Essex County and Montclair Township property record for 515 Upper Mountain Ave, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 2,150 sqft · built 1930 |
| Lot Size | 0.368 acres (16,043 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $786,000 (Jan 2019) |
| Tax Bill | $21,128 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00803-0000-00027 |
| Primary APN | 13-00803-0000-00027 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,150 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 16,043 sqft (0.368 acres) |
| Lot Dimensions | 263 ft deep x 61 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130080300027 |
|---|---|
| Street Address | 515 UP MOUNTAIN AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 61X263 IRR |
| Legal Block | 803 |
| Legal Lot Number | 27 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 16100 |
Source: Essex County and Montclair Township records, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 515 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE AFFINITY LLC |
| Jan 18, 2019 | Grant Deed, Transfer · Conventional Mortgage CITIZENS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2019 · Amount on Record |
| Deed Sale | Jan 18, 2019 · Amount on Record |
| Prior Sale | Nov 1, 2001 · Amount on Record |
| Deed Document Number | 20195255 |
| Prior Transfer Date | Apr 16, 1993 |
| Prior Transfer Doc | 5258000222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 515 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|
| Document Number | 0000078219 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022078219 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | CHELMSFORD, MA 01824 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 515 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1506 |
| Document Number | 0000008078 |
| Instrument Date | Dec 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 515 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431506, MONTCLAIR, NJ 07043-1506 |
| Document Number | 0000008078 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 8078 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 20, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jan 18, 2019 |
| Property Address | 515 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1506 |
| Document Number | 0000005255 |
| Instrument Date | Dec 16, 2018 |
| Instrument | 5255 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $786.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 515 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431506, MONTCLAIR, NJ 07043-1506 |
| Document Number | 5256 |
|---|---|
| Date | Jan 18, 2019 |
| Instrument | 5256 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 17, 2049 |
| Document Number | 5257, |
|---|---|
| Date | Jan 18, 2019 |
| Instrument | 5257 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Amount | Amount Recorded |
|---|
Source: Essex County and Montclair Township assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Essex County |
| County Subdivision | Montclair Township |
| Unified School District | Montclair Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $689,400 (+14.73%) Land $338,400 Building $351,000 | $689,400 (+14.73%) Land $338,400 Building $351,000 | |
| 2025 | $21,128.00 (+3.33%) | $600,900 (-) Land $338,400 Building $262,500 | $600,900 (-) Land $338,400 Building $262,500 |
| 2024 | $20,448.00 (+3.5%) | ||
| 2023 | $600,900 Land $338,400 Building $262,500 | $600,900 Land $338,400 Building $262,500 | |
| 2022 | $19,757.00 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 8 (1999–2022) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Apr 2022 · river or lake flooding |
| 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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