46 Howard St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 46 Howard St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,365 sqft · built 1947
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on File
Last Sale	$283,000 (Jan 2017)
Tax Bill	$11,681 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-00817-0000-00034`

Property Details

APN / Parcel Number

Primary APN	`02-00817-0000-00034`
Alternative APN	`020081700034`

Interior

Stories	1 Story
Building Area	1,365 sqft Living Area
1st Floor Area	1,365 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	108 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	020081700034
Street Address	46 HOWARD ST
City	BLOOMFIELD
State	NJ
Zip	07003-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	50 X 108
Legal Subdivision	TOWNSHIP/BLOOMFIELD
Legal Block	817
Legal Lot Number	34
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	1
Census Block	1006
Census Tract	15100

Owner

46 Howard St is owned and occupied by two individuals who bought it in January 2017.

Source: Essex County and Bloomfield Township records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912
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
Jun 29, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Mar 10, 2023	Deed of Trust, Mortgage · FHA Mortgage SPECIALIZED LOAN SERVICES LLC
Apr 4, 2022	Deed of Trust, Mortgage · FHA Mortgage SPECIALIZED LOAN SERVICES LLC
Dec 14, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 30, 2017	Grant Deed, Transfer GET A RATE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2017 · Amount on File
Deed Sale	Jan 30, 2017 · Amount on File
Deed Document Number	20178573
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Jun 29, 2026
Property Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912
Document Number	0000042616
Instrument Date	Jun 10, 2026
Instrument	202642616
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912

Mortgage

Document Number	0000042616,
Date	Jun 29, 2026
Instrument	202642616

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2051

Interest

Rate	6.36%
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912
Transaction Type	Mortgage
Record Updated	Apr 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912

Mortgage

Document Number	0000015272
Date	Mar 10, 2023
Instrument	2023015272

Lender

Name	SPECIALIZED LOAN SERVICES LLC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Jul 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912

Mortgage

Document Number	0000034264
Date	Apr 4, 2022
Instrument	2022034264

Lender

Name	SPECIALIZED LOAN SERVICES LLC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jul 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912
Document Number	0000003999
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HOWARD ST BLOOMFIELD NJ 070033912, BLOOMFIELD, NJ 07003-3912

Mortgage

Document Number	0000003999
Date	Jan 15, 2019
Instrument	3999

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 14, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jan 30, 2017
Property Address	46 HOWARD ST, BLOOMFIELD, NJ 07003-3912
Document Number	0000008573
Instrument Date	Dec 29, 2016
Instrument	8573
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ALL JERSEY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 HOWARD ST BLOOMFIELD NJ 070033912, BLOOMFIELD, NJ 07003-3912

Mortgage

Document Number	8574
Date	Jan 30, 2017
Instrument	8574

Lender

Name	GET A RATE LLC
Address	200 RIVERFRONT BLVD # 1, ELMWOOD PARK, NJ 07407-1037

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 46 Howard St was $11,681, up 2.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$334,800 (-) Land $135,000 Building $199,800	$334,800 (-) Land $135,000 Building $199,800
2025	$11,681.00 (+2.86%)	$334,800 Land $135,000 Building $199,800	$334,800 Land $135,000 Building $199,800
2024	$11,356.00
2023		$334,800 Land $135,000 Building $199,800	$334,800 Land $135,000 Building $199,800
2022	$10,720.00

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

Flood

FEMA maps place 46 Howard St 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	Remnants Of Hurricane Ida, Sep 2021 · 3 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 6 claims

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 46 Howard St 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 790 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: Optimum, T-Mobile.

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