Essex County and Montclair Township property record for 40 Cross St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 1,980 sqft · built 1870 |
| Lot Size | 0.092 acres (3,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,230,000 (May 2026) |
| Tax Bill | $11,831 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02104-0000-00002 |
| Primary APN | 13-02104-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,980 sqft Living Area |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Construction Type | Frame |
| Lot Area | 3,999 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 130210400002 |
|---|---|
| Street Address | 40 CROSS ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-2602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 40X100 |
| Legal Block | 2104 |
| Legal Lot Number | 2 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 17000 |
40 Cross St is owned and occupied by an individual who bought it in May 2026.
Source: Essex County and Montclair Township records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 CROSS ST, MONTCLAIR, NJ 07042-2602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 6, 2026 | Deed, Transfer · Conventional Mortgage TD BANK |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on File |
| Deed Sale | May 6, 2026 · Amount on File |
| Prior Sale | Sep 20, 2010 · Amount on File |
| Deed Document Number | 202630560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 6, 2026 |
| Property Address | 40 CROSS ST, MONTCLAIR, NJ 07042-2602 |
| Document Number | 0000030560 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.30560 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | REALSAFE TITLE LLC, REALSAFE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $124,230.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 CROSS ST, MONTCLAIR, NJ 07042-2602 |
| Investor | Possibly a Property Investor |
| Document Number | 0000030561, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026.30561 |
| Name | TD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 40 CROSS ST, MONTCLAIR, NJ 07042-2602 |
| Document Number | 0000093927 |
| Instrument Date | Sep 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2020 |
| Title Company | NEW YORK METRO TITLE AGENCY INC, NEW YORK METRO TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 40 CROSS ST MONTCLAIR NJ 070422602, MONTCLAIR, NJ 07042-2602 |
| Document Number | 0000093927 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 93927 |
| Name | VALLEY NAT'L BK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 24, 2035 |
The 2025 property tax bill for 40 Cross St was $11,831, up 3.3% from the year before.
Source: Essex County and Montclair Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Montclair Township |
| Unified School District | Montclair Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $336,500 (-) Land $119,600 Building $216,900 | $336,500 (-) Land $119,600 Building $216,900 | |
| 2025 | $11,831.00 (+3.32%) | $336,500 Land $119,600 Building $216,900 | $336,500 Land $119,600 Building $216,900 |
| 2024 | $11,451.00 | ||
| 2023 | $336,500 Land $119,600 Building $216,900 | $336,500 Land $119,600 Building $216,900 | |
| 2022 | $8,548.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 40 Cross St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1987.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 18 (1987–2021) |
| Claims Outside the SFHA | 12 of 18 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 40 Cross St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTCLAIR WATER BUREAU serves 40,150 people · EPA ID NJ0713001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 495 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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