Passaic County and Clifton City property record for 40 McCosh Rd, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 1,817 sqft · built 1927 |
| Lot Size | 0.207 acres (8,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (Feb 2001) |
| Tax Bill | $13,404 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-00062-04-00010 |
| Primary APN | 02-00062-04-00010 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,817 sqft Living Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 8,999 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 0200062400010 |
|---|---|
| Street Address | 40 MCCOSH RD |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043-2104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-A1 |
| Legal Subdivision | CITY/CLIFTON |
| Legal Block | 62.4 |
| Legal Lot Number | 10 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | CLIFTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 124312 |
Source: Passaic County and Clifton City records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 40 MCCOSH RD, MONTCLAIR, NJ 07043-2104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2026 | Deed of Trust, Mortgage · Line of Credit FULTON BANK NA |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Dec 12, 2019 | Deed of Trust, Mortgage · Line of Credit FULTON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2001 · Amount on Record |
| Deed Sale | Feb 23, 2001 · Amount on Record |
| Prior Sale | Aug 12, 1996 · Amount on Record |
| Deed Book / Page | 209 / 296 |
| Last Transfer Date | Jul 28, 2015 |
| Transfer Doc | 0000038515 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 40 MCCOSH RD, MONTCLAIR, NJ 07043-2104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40 MCCOSH RD, MONTCLAIR, NJ 07043-2104 |
| Document Number | 0000001781 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | M19753/56 |
| Instrument | 2026001781 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | ROCKAWAY, NJ 07866 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 40 MCCOSH RD, MONTCLAIR, NJ 07043-2104 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0000021728 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | M16978/1 |
| Instrument | 2021021728 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 40 MCCOSH RD, MONTCLAIR, NJ 07043-2104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000057811 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | M15886/0045 |
| Instrument | 2019057811 |
| Name | FULTON BANK |
|---|---|
| Type | Bank |
| Address | ROCKAWAY, NJ 07866 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Passaic County and Clifton City assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| Municipality | Clifton City |
| Unified School District | Clifton City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $218,700 (-) Land $120,900 Building $97,800 | $218,700 (-) Land $120,900 Building $97,800 | |
| 2025 | $13,404.00 (+3.25%) | $218,700 (-) Land $120,900 Building $97,800 | $218,700 (-) Land $120,900 Building $97,800 |
| 2024 | $12,982.00 (+3.96%) | ||
| 2023 | $218,700 Land $120,900 Building $97,800 | $218,700 Land $120,900 Building $97,800 | |
| 2022 | $12,487.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 34 (1979–2021) |
| Claims Outside the SFHA | 10 of 34 |
| 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.
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 | PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2021 |
| Monitoring and Reporting | 2 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 392 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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