Essex County and Montclair Township property record for 521 Upper Mountain Ave, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 2,587 sqft · built 1962 |
| Lot Size | 0.281 acres (12,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $597,000 (Jan 2015) |
| Tax Bill | $24,390 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00803-0000-00030 |
| Primary APN | 13-00803-0000-00030 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,587 sqft Living Area |
| 1st Floor Area | 2,587 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Frame |
| Lot Area | 12,250 sqft (0.281 acres) |
| Lot Dimensions | 245 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 130080300030 |
|---|---|
| Street Address | 521 UP MOUNTAIN AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 50X245 IRR |
| Legal Block | 803 |
| Legal Lot Number | 30 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 16100 |
521 Upper Mountain Ave is owned and occupied by two individuals who bought it in January 2015.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 UP MOUNTAIN AVE, MONTCLAIR, NJ 07043 |
| 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.
| Date | Document |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2015 · Amount on File |
| Deed Sale | Jan 12, 2015 · Amount on File |
| Prior Sale | Jan 5, 2015 · Amount on File |
| Deed Book / Page | 12533 / 4115 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 521 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | VITAL ABSTRACT LLC |
| Name | Verified Name |
|---|
| Document Number | 0000016634 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 2021016634 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 521 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1506 |
| Document Number | 0000080838 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 521 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431506, MONTCLAIR, NJ 07043-1506 |
| Document Number | 0000080838 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 80838 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 26, 2049 |
The 2025 property tax bill for 521 Upper Mountain Ave was $24,390, up 3.3% from the year before.
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 | $693,700 (-) Land $324,900 Building $368,800 | $693,700 (-) Land $324,900 Building $368,800 | |
| 2025 | $24,390.00 (+3.32%) | $693,700 Land $324,900 Building $368,800 | $693,700 Land $324,900 Building $368,800 |
| 2024 | $23,606.00 | ||
| 2023 | $693,700 Land $324,900 Building $368,800 | $693,700 Land $324,900 Building $368,800 | |
| 2022 | $22,808.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Upper Mountain Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 521 Upper Mountain Ave is low, with less than a 0.01% annual chance of wildfire.
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 | None beyond ember reach |
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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