45 Howard St, Newark, NJ 07103 Property Records

Essex County and Newark City property record for 45 Howard St, Newark, NJ 07103

Property Summary

Property Type	Condominium
Details	1,139 sqft · built 1990
Lot Size	5.55 acres (241,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2025)
Tax Bill	$6,162 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ABATED`

Property Details

APN / Parcel Number

Primary APN	`ABATED`
Alternative APNs	`14-00229-0000-00001-0000-C0920` `1400229000000009 20 C9T`

Interior

Building Area	1,139 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Lot Area	241,980 sqft

Location & Zoning

Street Address	45 HOWARD ST
City	NEWARK
State	NJ
Zip	07103-3446
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	241978 SF
Legal Subdivision	SOCIETY HILL/UNIV HEIGHTS I CO
Legal Block	229
Legal Lot Number	1
Jurisdiction	ESSEX NJ
Township / Civil Division	NEWARK
Census Block Group	1
Census Block	1008
Census Tract	6400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3125 TIBBETT AVE, 8C, BRONX, NY 10463-3820
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2025	Deed, Transfer · Conventional Mortgage ACTORS FCU
Aug 9, 2023	Deed, Transfer · Commercial Mortgage NEXTRES LLC
May 18, 2020	Grant Deed, Transfer · Conventional with PMI MORTGAGE UNLIMITED

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2025 · Amount on Record
Deed Sale	Apr 14, 2025 · Amount on Record
Prior Sale	May 18, 2020 · Amount on Record
Deed Document Number	202523757
Record Updated	Sep 20, 2026

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Apr 14, 2025
Property Address	45 HOWARD ST, NEWARK, NJ 07103-3446
Document Number	0000023757
Instrument Date	Mar 31, 2025
Instrument	2025023757
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9819 GROSVENOR POINTE CIR, WINDERMERE, FL 34786-5661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3125 TIBBETT AVENUE #8C # 8C, 8C, BRONX, NJ

Mortgage

Document Number	0000023758
Date	Apr 14, 2025
Instrument	2025023758

Lender

Name	ACTORS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 9, 2023
Property Address	45 HOWARD ST, NEWARK, NJ 07103-3446
Document Number	0000047707
Instrument Date	Jul 10, 2023
Instrument	2023047707
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9819 GRODSWENDER POINT CIR, WINDERMERE, FL 34786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9819 GROSVENOR POINTE CIR, WINDERMERE, FL 34786-5661

Mortgage

Document Number	0000047708
Date	Aug 9, 2023
Instrument	2023047708

Lender

Name	NEXTRES LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 18, 2020
Property Address	45 HOWARD ST, NEWARK, NJ 07103-3446
Document Number	0000048159
Instrument Date	Feb 28, 2020
Instrument	48159
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	VITAL ABSTRACT LLC, VITAL ABS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HOWARD ST NEWARK NJ 071033446, NEWARK, NJ 07103-3446

Mortgage

Document Number	48160
Date	May 18, 2020
Instrument	48160

Lender

Name	MORTGAGE UNLIMITED
Type	Mortgage Company
Address	GARFIELD, NJ 07026

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

Tax Assessment & Valuation

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		$154,100 (-) Land $35,000 Building $119,100	$154,100 (-) Land $35,000 Building $119,100
2025	$6,162.00 (+5.15%)	$154,100 (-) Land $35,000 Building $119,100	$154,100 (-) Land $35,000 Building $119,100
2024	$5,860.00 (+1.79%)
2023		$154,100 (-) Land $35,000 Building $119,100	$154,100 (-) Land $35,000 Building $119,100
2022	$5,757.00 (+0.05%)	$154,100 Land $35,000 Building $119,100	$154,100 Land $35,000 Building $119,100
2021	$5,754.00

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

Flood

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	3 in force
Nearby Flood Claims	5 (2008–2014)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2014 · 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.

Wildfire

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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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