45 Finlay Pl, Newark, NJ 07106 Property Records

Essex County and Newark City property record for 45 Finlay Pl, Newark, NJ 07106

Property Summary

Property Type	Single Family Home
Details	4,478 sqft · built 1902
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Sep 2025)
Tax Bill	$7,542 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-04191-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`14-04191-0000-00027`
Alternative APN	`140419100027`

Interior

Stories	2 Stories
Building Area	4,478 sqft Living Area

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Construction Type	Frame
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	140419100027
Street Address	45 FINLAY PL
City	NEWARK
State	NJ
Zip	07106-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X100
Legal Block	4191
Legal Lot Number	27
Jurisdiction	ESSEX NJ
Township / Civil Division	NEWARK
Census Block Group	3
Census Block	3004
Census Tract	2000

Owner

45 Finlay Pl is owned and occupied by two individuals who bought it in September 2025.

Source: Essex County and Newark City records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 FINLAY PL, NEWARK, NJ 07106-1057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 1, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 10, 2025	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage VILLAGE CAP & INV LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Prior Sale	Dec 15, 2009 · Amount on File
Deed Document Number	202556926
Prior Transfer Date	Sep 18, 2009
Prior Transfer Doc	0009097075
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	45 FINLAY PL, NEWARK, NJ 07106-1057
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	MILESTONE SETTLEMENT LLC, MILESTONE SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000120464
Date	Oct 1, 2021
Instrument	2021120464

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Oct 1, 2048

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 10, 2025
Property Address	45 FINLAY PL, NEWARK, NJ 07106-1057
Document Number	0000056926
Instrument Date	Jul 20, 2025
Instrument	2025056926
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 S 4TH AVE, HIGHLAND PARK, NJ 08904-2625

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 FINLAY PL, NEWARK, NJ 07106-1057

Mortgage

Document Number	0000056927
Date	Sep 10, 2025
Instrument	2025056927

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	45 FINLAY PL, NEWARK, NJ 07106-1057
Document Number	0000053233
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	MILESTONE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 FINLAY PL NEWARK NJ 071061057, NEWARK, NJ 07106-1057

Mortgage

Document Number	0000053233
Date	Jun 5, 2020
Instrument	53233

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Finlay Pl was $7,542, up 5.2% from the year before.

Source: Essex County and Newark City assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
Municipality	Newark City
Unified School District	Newark City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$188,600 (-) Land $21,300 Building $167,300	$188,600 (-) Land $21,300 Building $167,300
2025	$7,542.00 (+5.16%)	$188,600 Land $21,300 Building $167,300	$188,600 Land $21,300 Building $167,300
2024	$7,172.00
2023		$188,600 Land $21,300 Building $167,300	$188,600 Land $21,300 Building $167,300
2022	$7,046.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 45 Finlay Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2021 · other causes

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

The area around 45 Finlay Pl 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEWARK WATER DEPARTMENT serves 294,274 people · EPA ID NJ0714001
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2020 Treatment failure resolved · Sep 2020 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jul 2022 Lead public education Mar 2019
Monitoring and Reporting	None 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 1,052 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: AT&T, T-Mobile.

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