Passaic County and Pompton Lakes Borough property record for 45 Howard St, Pompton Lakes, NJ 07442
| Property Type | Single Family Home |
|---|---|
| Details | 1,314 sqft · built 1930 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Jul 2024) |
| Tax Bill | $9,055 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00400-0000-00008 |
| Primary APN | 09-00400-0000-00008 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,314 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 133 ft deep x 30 ft wide |
| Street Address | 45 HOWARD ST |
|---|---|
| City | POMPTON LAKES |
| State | NJ |
| Zip | 07442-1138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Subdivision | CAP WORKS VILLAGE |
| Legal Block | 400 |
| Legal Lot Number | 8 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | POMPTON LAKES |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 196403 |
45 Howard St is owned and occupied by an individual who bought it in July 2024.
Source: Passaic County and Pompton Lakes Borough records, as of July 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 HOWARD ST, POMPTON LAKES, NJ 07442-1138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2024 · Amount on File |
| Deed Sale | Jul 12, 2024 · Amount on File |
| Prior Sale | Nov 5, 1997 · Amount on File |
| Deed Document Number | 202421993 |
| Deed Book / Page | 4738 / 108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 45 HOWARD ST, POMPTON LAKES, NJ 07442-1138 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000013198 |
|---|---|
| Date | Apr 23, 2024 |
| Book Page | M18886/193 |
| Instrument | 2024013198 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | POMPTON LAKES, NJ 07442 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 45 Howard St was $9,055, up 4.8% from the year before.
Source: Passaic County and Pompton Lakes Borough assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| Municipality | Pompton Lakes Borough |
| Unified School District | Pompton Lakes Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $219,200 (-) Land $109,200 Building $110,000 | $219,200 (-) Land $109,200 Building $110,000 | |
| 2025 | $9,055.00 (+4.77%) | $219,200 Land $109,200 Building $110,000 | $219,200 Land $109,200 Building $110,000 |
| 2024 | $8,643.00 | ||
| 2023 | $219,200 Land $109,200 Building $110,000 | $219,200 Land $109,200 Building $110,000 | |
| 2022 | $8,342.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 45 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
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 risk around 45 Howard St is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POMPTON LAKES MUA serves 11,435 people · EPA ID NJ1609001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 27 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 299 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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