54 Gray St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 54 Gray St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	1,382 sqft · built 1917
Lot Size	0.152 acres (6,630 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Oct 2020)
Tax Bill	$16,838 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-04510-0000-00030`

Property Details

APN / Parcel Number

Primary APN	`13-04510-0000-00030`
Alternative APN	`130451000030`

Interior

Stories	2 Stories
Building Area	1,382 sqft Living Area

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	6,630 sqft (0.152 acres)
Lot Dimensions	102 ft deep x 65 ft wide

Location & Zoning

Old Parcel Number	130451000030
Street Address	54 GRAY ST
City	MONTCLAIR
State	NJ
Zip	07042-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	65X102 IRR
Legal Block	4510
Legal Lot Number	30
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	1
Census Block	1004
Census Tract	16500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Glen Ridge Historic District (Boundary Increase) listed 1988 · 510 contributing resources · NRIS 88002155

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	54 GRAY ST, MONTCLAIR, NJ 07042-5026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 27, 2020	Grant Deed, Transfer · Conventional with PMI HARBORONE MTG LLC
Aug 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 12, 2019	Grant Deed, Transfer · FHA Mortgage NJ LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2020 · Amount on Record
Deed Sale	Oct 27, 2020 · Amount on Record
Prior Sale	Nov 12, 2019 · Amount on Record
Deed Document Number	2020106246
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	54 GRAY ST, MONTCLAIR, NJ 07042-5026
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021096938
Date	Aug 9, 2021
Instrument	2021096938

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Oct 27, 2020
Property Address	54 GRAY ST, MONTCLAIR, NJ 07042-5026
Document Number	0000106246
Instrument Date	Oct 14, 2020
Instrument	106246
Transaction Type	Transfer
Record Updated	Nov 13, 2020
Title Company	SURETY TITLE SERVICES/FL INC, SURETY TITLE SVCS/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$635.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GRAY ST MONTCLAIR NJ 070425026, MONTCLAIR, NJ 07042-5026

Mortgage

Document Number	106247
Date	Oct 27, 2020
Instrument	106247

Lender

Name	HARBORONE MTG LLC
Address	MANCHESTER, NH 03101

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	54 GRAY ST, MONTCLAIR, NJ 07042-5026
Document Number	0000089832
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GRAY ST MONTCLAIR NJ 070425026, MONTCLAIR, NJ 07042-5026

Mortgage

Document Number	0000089832
Date	Sep 16, 2020
Instrument	89832

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Nov 12, 2019
Property Address	54 GRAY ST, MONTCLAIR, NJ 07042-5026
Document Number	0000106229
Instrument Date	Oct 25, 2019
Instrument	106229
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 GRAY ST MONTCLAIR NJ 070425026, MONTCLAIR, NJ 07042-5026

Mortgage

Document Number	106230
Date	Nov 12, 2019
Instrument	106230

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

Source: Essex County and Montclair Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Montclair Township
Unified School District	Montclair Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$505,500 (+5.55%) Land $334,400 Building $171,100	$505,500 (+5.55%) Land $334,400 Building $171,100
2025	$16,838.00 (+3.33%)	$478,900 (-) Land $334,400 Building $144,500	$478,900 (-) Land $334,400 Building $144,500
2024	$16,296.00 (+3.49%)
2023		$478,900 Land $334,400 Building $144,500	$478,900 Land $334,400 Building $144,500
2022	$15,746.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 548 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
AT&T Fixed Wireless	100 / 20

May also be available: Optimum, T-Mobile.

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