Essex County and Montclair Township property record for 40 Union St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,516 sqft · built 1875 |
| Lot Size | 0.422 acres (18,400 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $192,500 (Jun 1986) |
| Tax Bill | $16,838 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jun 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-03108-0000-00019 |
| Primary APN | 13-03108-0000-00019 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,516 sqft Living Area |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1897 |
| Construction Type | Frame |
| Lot Area | 18,400 sqft (0.422 acres) |
| Lot Dimensions | 200 ft deep x 92 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130310800019 |
|---|---|
| Street Address | 40 UNION ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-3321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 92X200 IRR |
| Legal Block | 3108 |
| Legal Lot Number | 19 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 17000 |
40 Union St is owner-occupied and held in a trust since May 2026.
Source: Essex County and Montclair Township records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 40 UNION ST, MONTCLAIR, NJ 07042-3321 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jun 1, 2026 | Deed, Transfer CSC DOCUMENT RECORDING |
| May 27, 2026 | Deed, Transfer CSC DOCUMENT RECORDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 1986 · Amount on File |
| Deed Sale | Jun 19, 1986 · Amount on File |
| Deed Book / Page | 4926 / 359 |
| Last Transfer Date | May 21, 2026 |
| Transfer Doc | 0000035161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Oct 5, 2026 |
| Property Address | 40 UNION ST, MONTCLAIR, NJ 07042-3321 |
| Document Number | 0000065183 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202665183 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Document Number | 0000065183, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 202665183 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jun 1, 2026 |
| Property Address | 40 UNION ST, MONTCLAIR, NJ 07042-3321 |
| Document Number | 0000036114 |
| Instrument Date | May 21, 2026 |
| Instrument | 202636114 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 40 UNION ST, MONTCLAIR, NJ 07042-3321 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 27, 2026 |
| Property Address | 40 UNION ST, MONTCLAIR, NJ 07042-3321 |
| Document Number | 0000035161 |
| Instrument Date | May 21, 2026 |
| Instrument | 202635161 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 40 UNION ST, MONTCLAIR, NJ 07042-3321 |
The 2025 property tax bill for 40 Union St was $16,838, 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 | $478,900 (-) Land $179,500 Building $299,400 | $478,900 (-) Land $179,500 Building $299,400 | |
| 2025 | $16,838.00 (+3.33%) | $478,900 Land $179,500 Building $299,400 | $478,900 Land $179,500 Building $299,400 |
| 2024 | $16,296.00 | ||
| 2023 | $478,900 Land $179,500 Building $299,400 | $478,900 Land $179,500 Building $299,400 | |
| 2022 | $15,746.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Union St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 40 Union St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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