Essex County and Bloomfield Township property record for 46 Prospect St, Bloomfield, NJ 07003
| Property Type | Single Family Home |
|---|---|
| Details | 3,462 sqft · built 1900 |
| Lot Size | 0.06 acres (2,631 sqft) |
| Owner | Company on Record |
| Last Sale | $275,000 (Dec 2008) |
| Tax Bill | $11,863 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Oct 2021 Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 02-00125-0000-00021 |
| Primary APN | 02-00125-0000-00021 |
|---|---|
| Alternative APN |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 3,462 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Multi-Family |
| Lot Area | 2,631 sqft (0.06 acres) |
| Lot Dimensions | 94 ft deep x 28 ft wide |
| Old Parcel Number | 020012500021 |
|---|---|
| Street Address | 46 PROSPECT ST |
| City | BLOOMFIELD |
| State | NJ |
| Zip | 07003-3254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2B |
| Legal Description | 28 X 94 |
| Legal Block | 125 |
| Legal Lot Number | 21 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | BLOOMFIELD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 15600 |
Source: Essex County and Bloomfield Township assessment roll, 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 | Company on Record |
|---|---|
| Mailing Address | 159 RIDGE AVE, BLOOMFIELD, NJ 07003-3862 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Feb 5, 2019 | Deed of Trust, Mortgage · ARM NEW PENN FINANCIAL LLC |
| Oct 21, 2021 | Intrafamily Transfer, Transfer · Construction Mortgage FLATIRON REALTY CAPITAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2008 · Amount on Record |
| Deed Sale | Dec 16, 2008 · Amount on Record |
| Deed Document Number | 20088109977 |
| Deed Book / Page | 12170 / 6110 |
| Last Transfer Date | Sep 30, 2021 |
| Transfer Doc | 2021126530 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 46 PROSPECT ST, BLOOMFIELD, NJ 07003-3254 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Title Company | PRIMETIME TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000010740 |
|---|---|
| Date | Feb 5, 2019 |
| Instrument | 2019010740 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.1% |
| Type Change Date | Jan 1, 2026 |
| Index | 1-Year LIBOR |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Oct 21, 2021 |
| Property Address | 46 PROSPECT ST, BLOOMFIELD, NJ 07003-3254 |
| Document Number | 2021126530 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021126530 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | NU WORLD TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 PROSPECT ST, 46, BLOOMFIELD, NJ 07003-3254 |
| Name | Verified Name |
|---|---|
| Address | 159 RIDGE AVE, BLOOMFIELD, NJ 07003-3862 |
| Document Number | 2021126531 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021126531 |
| Name | FLATIRON REALTY CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Bloomfield Township |
| Unified School District | Bloomfield Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $340,000 (-) Land $45,700 Building $294,300 | $340,000 (-) Land $45,700 Building $294,300 | |
| 2025 | $11,863.00 (+2.87%) | $340,000 (-) Land $45,700 Building $294,300 | $340,000 (-) Land $45,700 Building $294,300 |
| 2024 | $11,532.00 (+5.93%) | ||
| 2023 | $340,000 Land $45,700 Building $294,300 | $340,000 Land $45,700 Building $294,300 | |
| 2022 | $10,886.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 50 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 50 in force |
| Nearby Flood Claims | 79 (1984–2026) |
| Claims Outside the SFHA | 8 of 79 |
| Most Recent Claim | Jun 2026 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 602 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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