46 McCosh Rd, Montclair, NJ 07043 Property Records

Passaic County and Clifton City property record for 46 McCosh Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	1,372 sqft · built 1947
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$474,000 (Dec 2020)
Tax Bill	$12,283 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-00062-04-00011`

Property Details

APN / Parcel Number

Primary APN	`02-00062-04-00011`
Alternative APNs	`0200062000400011` `0200062400011`

Interior

Stories	1 Story
Building Area	1,372 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,999 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	0200062400011
Street Address	46 MCCOSH RD
City	MONTCLAIR
State	NJ
Zip	07043-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A1
Legal Block	62.4
Legal Lot Number	11
Jurisdiction	PASSAIC NJ
Township / Civil Division	CLIFTON
Census Block Group	3
Census Block	3003
Census Tract	124312

Owner

Source: Passaic County and Clifton City records, as of July 8, 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	46 MCCOSH RD, MONTCLAIR, NJ 07043-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2018	Deed of Trust, Mortgage · Commercial Mortgage FULTON BANK OF NEW JERSEY
Dec 30, 2020	Grant Deed, Transfer REALSAFE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Aug 30, 2010 · Amount on Record
Deed Document Number	202067638
Deed Book / Page	3935 / 15
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	46 MCCOSH RD, MONTCLAIR, NJ 07043-2104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030935
Date	Jul 16, 2018
Book Page	M15101/0160
Instrument	2018030935

Lender

Name	FULTON BANK OF NEW JERSEY
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Dec 30, 2020
Property Address	46 MCCOSH RD, MONTCLAIR, NJ 07043-2104
Document Number	0000067638
Book / Page	003935 / 000015
Instrument Date	Oct 27, 2020
Instrument	67638
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$474.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 MCCOSH RD CLIFTON NJ 07013, CLIFTON, NJ 07013

Tax Assessment & Valuation

Source: Passaic County and Clifton City assessment roll, as of July 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,400 (-) Land $120,900 Building $79,500	$200,400 (-) Land $120,900 Building $79,500
2025	$12,283.00 (+3.25%)	$200,400 (-) Land $120,900 Building $79,500	$200,400 (-) Land $120,900 Building $79,500
2024	$11,896.00 (+3.97%)
2023		$200,400 Land $120,900 Building $79,500	$200,400 Land $120,900 Building $79,500
2022	$11,442.00

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 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 Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	34 (1979–2021)
Claims Outside the SFHA	10 of 34
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 89% 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 196 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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