425 Prospect St, Nutley, NJ 07110 Property Records

Essex County and Nutley Township property record for 425 Prospect St, Nutley, NJ 07110

Property Summary

Property Type	Single Family Home
Details	2,228 sqft · built 1901
Lot Size	0.215 acres (9,360 sqft)
Owner	2 Individual Names on Record
Tax Bill	$16,861 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-04700-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`16-04700-0000-00019`
Alternative APN	`1600223000000021`

Interior

Building Area	2,228 sqft Living Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Lot Area	9,360 sqft (0.215 acres)
Lot Dimensions	156 ft deep x 60 ft wide

Location & Zoning

Old Parcel Number	1600223000000021
Street Address	425 PROSPECT ST
City	NUTLEY
State	NJ
Zip	07110-2257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	60X156 IRR
Legal Subdivision	PROSPECT & BEECH STREETS
Legal Block	4700
Legal Lot Number	19
Jurisdiction	ESSEX NJ
Township / Civil Division	NUTLEY
Census Block Group	1
Census Block	1003
Census Tract	13800

Owner

Source: Essex County and Nutley 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	2 Individual Names on Record
Mailing Address	425 PROSPECT ST, NUTLEY, NJ 07110-2257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage POLIFLY SVGS BK
Jul 7, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	425 PROSPECT ST, NUTLEY, NJ 07110-2257
Document Number	0000071941
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 PROSPECT ST NUTLEY NJ 071102257, NUTLEY, NJ 07110-2257

Mortgage

Document Number	0000071941
Date	Jul 31, 2020
Instrument	71941

Lender

Name	POLIFLY SVGS BK
Type	Federal Savings Bank
Address	WESTFIELD, NJ 07090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 30, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	425 PROSPECT ST, NUTLEY, NJ 07110-2257
Document Number	0000071947
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 PROSPECT ST NUTLEY NJ 071102257, NUTLEY, NJ 07110-2257

Mortgage

Document Number	0000071947
Date	Jul 31, 2020
Instrument	71947

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$624,700 (-) Land $259,500 Building $365,200	$624,700 (-) Land $259,500 Building $365,200
2025	$16,861.00 (+2.55%)	$624,700 (-) Land $259,500 Building $365,200	$624,700 (-) Land $259,500 Building $365,200
2024	$16,442.00 (-6.17%)
2023		$624,700 Land $259,500 Building $365,200	$624,700 Land $259,500 Building $365,200
2022	$17,523.00

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
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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	NUTLEY WATER DEPT serves 29,500 people · EPA ID NJ0716001
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jan 2025 Coliform assessment Oct 2023
Monitoring and Reporting	8 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 797 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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