40 Willard Ave, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 40 Willard Ave, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	2,090 sqft · built 1908
Lot Size	0.121 acres (5,279 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Jun 2024)
Tax Bill	$11,849 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00332-0000-00021`

Property Details

APN / Parcel Number

Primary APN	`02-00332-0000-00021`
Alternative APN	`020033200021`

Interior

Stories	1 Story
Building Area	2,090 sqft Living Area
1st Floor Area	2,090 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Lot Area	5,279 sqft (0.121 acres)
Lot Dimensions	88 ft deep x 60 ft wide

Location & Zoning

Old Parcel Number	020033200021
Street Address	40 WILLARD AVE
City	BLOOMFIELD
State	NJ
Zip	07003-4862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	60 X 88 22
Legal Block	332
Legal Lot Number	21
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	3
Census Block	3004
Census Tract	15800

Owner

Source: Essex County and Bloomfield Township records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	40 WILLARD AVE, BLOOMFIELD, NJ 07003-4862
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 11, 2022	Deed, Transfer · Stand-Alone First Mortgage VISIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2024 · Amount on Record
Deed Sale	Jun 6, 2024 · Amount on Record
Prior Sale	Jul 11, 2022 · Amount on Record
Deed Document Number	202432294
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	40 WILLARD AVE, BLOOMFIELD, NJ 07003-4862
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLARD AVE, BLOOMFIELD, NJ 07003-4862

Mortgage

Document Number	0000056780
Date	Sep 9, 2025
Instrument	2025056780

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	May 1, 2054

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 11, 2022
Property Address	40 WILLARD AVE, BLOOMFIELD, NJ 07003-4862
Document Number	0000064919
Instrument Date	Jun 27, 2022
Instrument	2022064919
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	NEW HORIZON ABSTRACT INC, NEW HORIZON ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	165 BELMONT AVE # AVEA-222, 165, BELLEVILLE, NJ 07109-3764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLARD AVE, BLOOMFIELD, NJ 07003-4862

Mortgage

Document Number	0000064920
Date	Jul 11, 2022
Instrument	2022064920

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.5%
Index	1-Year CMT
Margin	3
Max Rate	8.5%

Tax Assessment & Valuation

Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Bloomfield Township
Unified School District	Bloomfield Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$339,600 (-) Land $103,100 Building $236,500	$339,600 (-) Land $103,100 Building $236,500
2025	$11,849.00 (+2.86%)	$339,600 (-) Land $103,100 Building $236,500	$339,600 (-) Land $103,100 Building $236,500
2024	$11,519.00 (+5.94%)
2023		$339,600 Land $103,100 Building $236,500	$339,600 Land $103,100 Building $236,500
2022	$10,873.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	9 in force
Nearby Flood Claims	43 (1978–2024)
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 13 claims Hurricane Irene, Aug 2011 · 11 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 14 claims

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Last State Inspection	Sep 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jul 2022 Lead service line replacement Jan 2022
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 713 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: AT&T, Optimum, T-Mobile.

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