428 Washington Ave, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 428 Washington Ave, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,224 sqft · built 1923
Lot Size	0.119 acres (5,200 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Feb 2021)
Tax Bill	$16,940 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Sep 2020 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`13-04003-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`13-04003-0000-00014`
Alternative APN	`130400300014`

Interior

Stories	2 Stories
Building Area	1,224 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Lot Area	5,200 sqft (0.119 acres)
Lot Dimensions	100 ft deep x 52 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130400300014
Street Address	428 WASHINGTON AVE
City	MONTCLAIR
State	NJ
Zip	07042-4343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	52X100 IRR
Legal Block	4003
Legal Lot Number	14
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2000
Census Tract	17200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Glen Ridge Historic District listed 1982 · 1,156 contributing resources · NRIS 82004784

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

428 Washington Ave is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 WASHINGTON AVE, MONTCLAIR, NJ 07042-4343
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
Feb 2, 2021	Deed, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC
Sep 1, 2020	Deed of Trust, Construction Loan · Construction Mortgage WINDSOR FNDG
Feb 8, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2021 · Amount on File
Deed Sale	Feb 2, 2021 · Amount on File
Prior Sale	Mar 2, 2020 · Amount on File
Deed Document Number	202112781
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Feb 2, 2021
Property Address	428 WASHINGTON AVE, MONTCLAIR, NJ 07042-4343
Document Number	2021012781
Instrument Date	Jan 15, 2021
Instrument	2021012781
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABSTRACT TTL AGCY LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,487.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5011 WALDO AVE, 5011, BRONX, NY 10471-3018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 WASHINGTON AVE, MONTCLAIR, NJ 07042-4343

Mortgage

Document Number	2021012782
Date	Feb 2, 2021
Instrument	2021012782

Lender

Name	BOND STREET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Sep 1, 2020
Property Address	428 WASHINGTON AVE, MONTCLAIR, NJ 07042-4343
Document Number	0000084857
Instrument Date	Sep 1, 2020
Instrument	84857
Transaction Type	Construction Loan
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5011 WALDO AVE BRONX NY 104713018, BRONX, NY 10471-3018

Mortgage

Document Number	0000084857
Date	Sep 1, 2020
Instrument	84857

Lender

Name	WINDSOR FNDG
Type	Funding / Finance Company
Address	TEANECK, NJ 07666

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 31, 2021

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	428 WASHINGTON AVE, MONTCLAIR, NJ 07042-4343
Document Number	0000018397
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 WASHINGTON AVE MONTCLAIR NJ 070424343, MONTCLAIR, NJ 07042-4343

Mortgage

Document Number	0000018397
Date	Mar 1, 2017
Instrument	18397

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 428 Washington Ave was $16,940, 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		$481,800 (-) Land $169,300 Building $312,500	$481,800 (-) Land $169,300 Building $312,500
2025	$16,940.00 (+3.32%)	$481,800 Land $169,300 Building $312,500	$481,800 Land $169,300 Building $312,500
2024	$16,395.00
2023		$481,800 Land $169,300 Building $312,500	$481,800 Land $169,300 Building $312,500
2022	$15,841.00

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

Flood

FEMA maps place 428 Washington Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 428 Washington Ave 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 563 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

May also be available: T-Mobile.

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