43 Howe Ave, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 43 Howe Ave, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	2,318 sqft · built 1925
Lot Size	0.096 acres (4,199 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (May 2019)
Tax Bill	$19,999 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01903-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`13-01903-0000-00027`
Alternative APN	`130190300027`

Interior

Stories	2 Stories
Building Area	2,318 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	4,199 sqft (0.096 acres)
Lot Dimensions	100 ft deep x 42 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130190300027
Street Address	43 HOWE AVE
City	MONTCLAIR
State	NJ
Zip	07042-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	42X100
Legal Block	1903
Legal Lot Number	27
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	2
Census Block	2005
Census Tract	16900

Owner

43 Howe Ave is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	43 HOWE AVE, MONTCLAIR, NJ 07042-1649
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 3, 2020	Deed of Trust, Mortgage FREEDOM MTG
May 16, 2019	Grant Deed, Transfer FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on File
Deed Sale	May 16, 2019 · Amount on File
Prior Sale	May 26, 2009 · Amount on File
Deed Document Number	201945496
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	43 HOWE AVE, MONTCLAIR, NJ 07042-1649
Document Number	0000118260
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	MAIN STREET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 HOWE AVE MONTCLAIR NJ 070421649, MONTCLAIR, NJ 07042-1649

Mortgage

Document Number	0000118260
Date	Nov 25, 2020
Instrument	118260

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 16, 2019
Property Address	43 HOWE AVE, MONTCLAIR, NJ 07042-1649
Document Number	0000045496
Instrument Date	Apr 29, 2019
Instrument	45496
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 HOWE AVE MONTCLAIR NJ 070421649, MONTCLAIR, NJ 07042-1649

Mortgage

Document Number	45506
Date	May 16, 2019
Instrument	45506

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 43 Howe Ave was $19,999, 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		$568,800 (-) Land $171,000 Building $397,800	$568,800 (-) Land $171,000 Building $397,800
2025	$19,999.00 (+3.32%)	$568,800 Land $171,000 Building $397,800	$568,800 Land $171,000 Building $397,800
2024	$19,356.00
2023		$568,800 Land $171,000 Building $397,800	$568,800 Land $171,000 Building $397,800
2022	$18,702.00

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

Flood

FEMA maps place 43 Howe Ave in Zone X, an area of minimal flood risk, though there have been 5 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	5 (1979–2023)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Apr 2023 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 43 Howe 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 95% of the US · lower than 87% 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 324 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

May also be available: T-Mobile.

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