Essex County and Bloomfield Township property record for 45 Bay Ave, Bloomfield, NJ 07003
| Property Type | Single Family Home |
|---|---|
| Details | 1,440 sqft · built 1937 |
| Lot Size | 0.117 acres (5,083 sqft) |
| Owner | Company Name on File |
| Last Sale | $510,000 (Oct 2026) |
| Tax Bill | $11,114 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Construction Loan May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-00811-0000-00004 |
| Primary APN | 02-00811-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Lot Area | 5,083 sqft (0.117 acres) |
| Lot Dimensions | 113 ft deep x 45 ft wide |
| Old Parcel Number | 020081100004 |
|---|---|
| Street Address | 45 BAY AVE |
| City | BLOOMFIELD |
| State | NJ |
| Zip | 07003-3707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | 45 X 113 |
| Legal Block | 811 |
| Legal Lot Number | 4 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | BLOOMFIELD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 15100 |
45 Bay Ave is owned by a company that bought it in October 2026.
Source: Essex County and Bloomfield Township records, as of October 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 47 S WILLOW ST, MONTCLAIR, NJ 07042-3309 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 5, 2026 | Deed, Transfer · Construction Mortgage LOAN FUNDER LLC |
| May 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2026 · Amount on File |
| Deed Sale | Oct 5, 2026 · Amount on File |
| Deed Document Number | 202665317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Oct 5, 2026 |
| Property Address | 45 BAY AVE, BLOOMFIELD, NJ 07003-3707 |
| Document Number | 0000065317 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202665317 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51,510.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 47 S WILLOW ST, MONTCLAIR, NJ 07042-3309 |
| Document Number | 0000065318, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 202665318 |
| Name | LOAN FUNDER LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 1, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 4, 2026 |
| Property Address | 45 BAY AVE, BLOOMFIELD, NJ 07003-3707 |
| Document Number | 0000030058 |
| Instrument Date | Jan 1, 2026 |
| Instrument | 202630058 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 BAY AVE, BLOOMFIELD, NJ 07003-3707 |
| Document Number | 0000030058, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 202630058 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.19% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 45 Bay Ave was $11,114, up 2.9% from the year before.
Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Bloomfield Township |
| Unified School District | Bloomfield Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $325,700 (-) Land $123,800 Building $201,900 | $325,700 (-) Land $123,800 Building $201,900 | |
| 2025 | $11,114.00 (+2.94%) Veteran's exemption | $325,700 Land $123,800 Building $201,900 | $325,700 Land $123,800 Building $201,900 |
| 2024 | $10,797.00 | ||
| 2023 | $325,700 Land $123,800 Building $201,900 | $325,700 Land $123,800 Building $201,900 | |
| 2022 | $10,178.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Bay Ave in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1991.
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 | 5 in force |
| Nearby Flood Claims | 14 (1991–2021) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 45 Bay 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 | BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001 |
|---|---|
| Water Source | Purchased surface water from NEWARK WATER DEPARTMENT |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2022 Lead service line replacement Jan 2022 |
| Monitoring and Reporting | 5 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 703 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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