427 Orange Rd, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 427 Orange Rd, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,694 sqft · built 2015
Lot Size	0.917 acres (39,923 sqft)
Owner	2 Individual Names on File
Last Sale	$464,900 (Feb 2015)
Tax Bill	$20,266 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03904-0000-00016-02`

Property Details

APN / Parcel Number

Primary APN	`13-03904-0000-00016-02`

Interior

Building Area	2,694 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	39,923 sqft (0.917 acres)

Location & Zoning

Street Address	427 ORANGE RD
City	MONTCLAIR
State	NJ
Zip	07042-4329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	39921SF
Legal Block	3904
Legal Lot Number	16.2
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2003
Census Tract	17200

Owner

427 Orange Rd is owned and occupied by two individuals who bought it in February 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	427 ORANGE RD, MONTCLAIR, NJ 07042-4329
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit XCEL FCU
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2015 · Amount on File
Deed Sale	Feb 11, 2015 · Amount on File
Deed Document Number	20159129
Prior Transfer Date	Aug 10, 2011
Prior Transfer Doc	0011073898
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	427 ORANGE RD, MONTCLAIR, NJ 07042-4329
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021139328
Date	Nov 22, 2021
Instrument	2021139328

Lender

Name	XCEL FCU
Type	Credit Union
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	427 ORANGE RD, MONTCLAIR, NJ 07042-4329
Document Number	0000051147
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	HUNTER TITLE AGENCY, HUNTER TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	427 ORANGE RD MONTCLAIR NJ 070424329, MONTCLAIR, NJ 07042-4329

Mortgage

Document Number	0000051147
Date	May 29, 2020
Instrument	51147

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 427 Orange Rd was $20,266, up 3.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$576,400 (-) Land $195,900 Building $380,500	$576,400 (-) Land $195,900 Building $380,500
2025	$20,266.00 (+3.32%)	$576,400 Land $195,900 Building $380,500	$576,400 Land $195,900 Building $380,500
2024	$19,614.00
2023		$576,400 Land $195,900 Building $380,500	$576,400 Land $195,900 Building $380,500
2022	$18,952.00

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

Flood

FEMA maps place 427 Orange Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	25 (1991–2023)
Claims Outside the SFHA	3 of 25
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 6 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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

Wildfire risk around 427 Orange Rd is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 658 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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