51 McCosh Rd, Montclair, NJ 07043 Property Records

Passaic County and Clifton City property record for 51 McCosh Rd, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	2,299 sqft · built 1948
Lot Size	0.62 acres (26,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (May 2023)
Tax Bill	$17,989 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00062-05-00056`

Property Details

APN / Parcel Number

Primary APN	`02-00062-05-00056`
Alternative APNs	`0200062000500056` `0200062500056`

Interior

Stories	2 Stories
Building Area	2,299 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood
Construction Type	Frame
Lot Area	26,998 sqft (0.62 acres)
Lot Dimensions	300 ft deep x 90 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	0200062500056
Street Address	51 MCCOSH RD
City	MONTCLAIR
State	NJ
Zip	07043-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A1
Legal Block	62.5
Legal Lot Number	56
Jurisdiction	PASSAIC NJ
Township / Civil Division	CLIFTON
Census Block Group	3
Census Block	3002
Census Tract	124312

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	51 MCCOSH RD, MONTCLAIR, NJ 07043-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Deed Document Number	202317468
Deed Book / Page	4531 / 102
Record Updated	Sep 20, 2026

May 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	May 26, 2023
Property Address	51 MCCOSH RD, MONTCLAIR, NJ 07043-2103
Document Number	0000017468
Book / Page	D4531 / 102
Instrument Date	May 21, 2023
Instrument	2023017468
Transaction Type	Transfer
Record Updated	Jun 23, 2023
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2101 MURRAY CT, PEARL RIVER, NY 10965-2940

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 MCCOSH RD, MONTCLAIR, NJ 07043-2103

Mortgage

Document Number	0000017469
Date	May 26, 2023
Instrument	2023017469

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.29%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	3.29%
Max Rate At Change	7.29%
Index	Prime Rate
Margin	1
Max Rate	11.2%

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		$293,500 (-) Land $154,600 Building $138,900	$293,500 (-) Land $154,600 Building $138,900
2025	$17,989.00 (+3.25%)	$293,500 (+1.8%) Land $154,600 Building $138,900	$293,500 (+1.8%) Land $154,600 Building $138,900
2024	$17,422.00 (+5.84%)
2023		$288,300 Land $154,600 Building $133,700	$288,300 Land $154,600 Building $133,700
2022	$16,461.00

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 98% of the US · lower than 94% 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 392 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