46 Highland Ave, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 46 Highland Ave, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	4,037 sqft · built 1924
Lot Size	0.677 acres (29,480 sqft)
Owner	2 Individual Names on File
Last Sale	$1,745,000 (May 2021)
Tax Bill	$53,443 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00407-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`13-00407-0000-00012`
Alternative APN	`130040700012`

Interior

Stories	2 Stories
Building Area	4,037 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Lot Area	29,480 sqft (0.677 acres)
Lot Dimensions	220 ft deep x 134 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130040700012
Street Address	46 HIGHLAND AVE
City	MONTCLAIR
State	NJ
Zip	07042-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	134X220 IRR
Legal Block	407
Legal Lot Number	12
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	4
Census Block	4007
Census Tract	16400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mountain District listed 1988 · 144 contributing resources · NRIS 86002970

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

46 Highland Ave is owned and occupied by two individuals who bought it in May 2021.

Source: Essex County and Montclair Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 HIGHLAND AVE, MONTCLAIR, NJ 07042-1910
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 11, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 1, 2018	Grant Deed, Transfer CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on File
Deed Sale	May 11, 2021 · Amount on File
Prior Sale	May 1, 2018 · Amount on File
Deed Document Number	202159683
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	46 HIGHLAND AVE, MONTCLAIR, NJ 07042-1910
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HIGHLAND AVE, MONTCLAIR, NJ 07042-1910
Investor	Possibly a Property Investor

Mortgage

Document Number	0000069251
Date	Jul 22, 2022
Instrument	2022069251

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ESSEX NJ
Recording Date	May 11, 2021
Property Address	46 HIGHLAND AVE, MONTCLAIR, NJ 07042-1910
Document Number	2021059683
Instrument Date	Mar 28, 2021
Instrument	2021059683
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	FIRST EQUITY ABSTRACT CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63 BORDEN PL, 63, LITTLE SILVER, NJ 07739-1726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HIGHLAND AVE, MONTCLAIR, NJ 07042-1910

Mortgage

Document Number	2021059684
Date	May 11, 2021
Instrument	2021059684

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 1, 2018
Property Address	46 HIGHLAND AVE, MONTCLAIR, NJ 07042-1910
Document Number	0000038084
Instrument Date	Apr 25, 2018
Instrument	38084
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,675.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HIGHLAND AVE MONTCLAIR NJ 070421910, MONTCLAIR, NJ 07042-1910

Mortgage

Document Number	38086
Date	May 1, 2018
Instrument	38086

Lender

Name	CITIZENS BK NA
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 46 Highland Ave was $53,443, up 3.3% from the year before.

Source: Essex County and Montclair Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Montclair Township
Unified School District	Montclair Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,520,000 (-) Land $518,900 Building $1,001,100	$1,520,000 (-) Land $518,900 Building $1,001,100
2025	$53,443.00 (+3.32%)	$1,520,000 Land $518,900 Building $1,001,100	$1,520,000 Land $518,900 Building $1,001,100
2024	$51,725.00
2023		$1,520,000 Land $518,900 Building $1,001,100	$1,520,000 Land $518,900 Building $1,001,100
2022	$49,977.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Highland Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	4 in force
Nearby Flood Claims	3 (1978–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 46 Highland Ave is low, with less than 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 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	MONTCLAIR WATER BUREAU serves 40,150 people · EPA ID NJ0713001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
Monitoring and Reporting	1 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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

Nearby Properties on Highland Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures