Essex County and Montclair Township property record for 408 Upper Mountain Ave, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 5,123 sqft · built 1912 |
| Lot Size | 0.725 acres (31,588 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,600,000 (May 2018) |
| Tax Bill | $45,613 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00706-0000-00030 |
| Primary APN | 13-00706-0000-00030 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 5,123 sqft Living Area |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Construction Type | Frame |
| Lot Area | 31,588 sqft (0.725 acres) |
| Lot Dimensions | 298 ft deep x 106 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130070600030 |
|---|---|
| Street Address | 408 UP MOUNTAIN AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 106X298 IRR |
| Legal Block | 706 |
| Legal Lot Number | 30 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 16100 |
408 Upper Mountain Ave is owned and occupied by two individuals who bought it in May 2018.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK |
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BK |
| May 1, 2018 | Grant Deed, Transfer FIRST REPUBLIC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2018 · Amount on File |
| Deed Sale | May 1, 2018 · Amount on File |
| Prior Sale | Oct 25, 2016 · Amount on File |
| Deed Document Number | 201838034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 408 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1438 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021103019 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 2021103019 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 408 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1438 |
| Document Number | 0000061180 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | BETA ABSTRACT/NJ LLC, BETA ABS/NJ LLC |
| Name | Verified Name |
|---|---|
| Address | 408 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431438, MONTCLAIR, NJ 07043-1438 |
| Document Number | 0000061180 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 61180 |
| Name | FIRST REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 1, 2018 |
| Property Address | 408 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1438 |
| Document Number | 0000038034 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 38034 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431438, MONTCLAIR, NJ 07043-1438 |
| Document Number | 38037 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 38037 |
| Name | FIRST REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | 111 PINE ST, SAN FRANCISCO, CA 94111-5602 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 30, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.9% |
The 2025 property tax bill for 408 Upper Mountain Ave was $45,613, 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 | $1,297,300 (-) Land $381,100 Building $916,200 | $1,297,300 (-) Land $381,100 Building $916,200 | |
| 2025 | $45,613.00 (+3.32%) | $1,297,300 Land $381,100 Building $916,200 | $1,297,300 Land $381,100 Building $916,200 |
| 2024 | $44,147.00 | ||
| 2023 | $1,206,500 Land $381,100 Building $825,400 | $1,206,500 Land $381,100 Building $825,400 | |
| 2022 | $39,669.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Upper Mountain Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 3 in force |
| Nearby Flood Claims | 3 (1979–2007) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2007 |
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 408 Upper Mountain Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 81% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% 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 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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