Passaic County and Passaic City property record for 445 Howe Ave, Passaic, NJ 07055
| Property Type | Single Family Home |
|---|---|
| Details | 1,554 sqft · built 1935 |
| Lot Size | 0.108 acres (4,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Oct 2022) |
| Tax Bill | $8,865 (2025) |
| Deeds & Mortgages | Oct 2022 Sale Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-03280-01-00046 |
| Primary APN | 07-03280-01-00046 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,554 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 4,700 sqft (0.108 acres) |
| Lot Dimensions | 94 ft deep x 50 ft wide |
| Old Parcel Number | 0703280A00046 |
|---|---|
| Street Address | 445 HOWE AVE |
| City | PASSAIC |
| State | NJ |
| Zip | 07055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Block | 3280 |
| Legal Lot Number | 46 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | PASSAIC |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 175604 |
445 Howe Ave is owned and occupied by two individuals who bought it in October 2022.
Source: Passaic County and Passaic City records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 HOWE AVE, PASSAIC, NJ 07055 |
| 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 |
|---|---|
| Oct 28, 2022 | Deed, Transfer SUNNYSIDE TITLE |
| Oct 28, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on File |
| Deed Sale | Oct 28, 2022 · Amount on File |
| Prior Sale | Oct 28, 2022 · Amount on File |
| Deed Document Number | 202250949 |
| Deed Book / Page | 4422 / 87 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Oct 28, 2022 |
| Property Address | 445 HOWE AVE, PASSAIC, NJ 07055 |
| Document Number | 0000050949 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022050949 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2022 |
| Title Company | SUNNYSIDE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 445 HOWE AVE, PASSAIC, NJ 07055 |
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Oct 28, 2022 |
| Property Address | 445 HOWE AVE, PASSAIC, NJ 07055 |
| Document Number | 0000050948 |
| Book / Page | D4422 / 81 |
| Instrument Date | Oct 10, 2022 |
| Instrument | 2022050948 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2022 |
| Title Company | SUNNYSIDE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 MAYRUTH DR APT 21, 1600, DURHAM, NC 27713-8693 |
| Name | Verified Name |
|---|---|
| Address | 445 HOWE AVE, PASSAIC, NJ 07055 |
| Document Number | 0000050950 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 2022050950 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Number | 0000050951 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | M18242/267 |
| Instrument | 2022050951 |
| Name | CITY OF PASSAIC DEPARTMENT OF COMMUNITY |
|---|---|
| Type | Government Agency |
| Address | PASSAIC, NJ 07055 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 445 Howe Ave was $8,865, up 3.3% from the year before.
Source: Passaic County and Passaic City assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| Municipality | Passaic City |
| Unified School District | Passaic City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,200 (-) Land $94,700 Building $113,500 | $208,200 (-) Land $94,700 Building $113,500 | |
| 2025 | $8,865.00 (+3.27%) | $208,200 Land $94,700 Building $113,500 | $208,200 Land $94,700 Building $113,500 |
| 2024 | $8,584.00 | ||
| 2023 | $208,200 Land $94,700 Building $113,500 | $208,200 Land $94,700 Building $113,500 | |
| 2022 | $7,836.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Howe Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
Source: FEMA National Flood Hazard Layer, effective May 29, 2024 · 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 Policies | 3 in force |
| Nearby Flood Claims | 2 (2021–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2023 · rainfall accumulation |
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.
The area around 445 Howe Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2021 |
| Monitoring and Reporting | 2 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 667 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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