Essex County and Bloomfield Township property record for 54 Prospect St, Bloomfield, NJ 07003
| Property Type | Single Family Home |
|---|---|
| Details | 1,152 sqft · built 1910 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jul 2017) |
| Tax Bill | $6,674 (2025) |
| Deeds & Mortgages | Apr 2022 Second Mortgage Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 02-00125-0000-00024 |
| Primary APN | 02-00125-0000-00024 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Old Parcel Number | 020012500024 |
|---|---|
| Street Address | 54 PROSPECT ST |
| City | BLOOMFIELD |
| State | NJ |
| Zip | 07003-3225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2B |
| Legal Description | 25 X 100 |
| Legal Block | 125 |
| Legal Lot Number | 24 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | BLOOMFIELD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 15600 |
54 Prospect St is owned and occupied by two individuals who acquired it in November 2023.
Source: Essex County and Bloomfield Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54 PROSPECT ST, BLOOMFIELD, NJ 07003-3225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Sep 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOME PT FIN'L |
| Oct 25, 2018 | Deed of Trust, Mortgage · FHA Mortgage HOME FIN'L |
| Jul 10, 2017 | Grant Deed, Transfer HOME PT FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2017 · Amount on File |
| Deed Sale | Jul 10, 2017 · Amount on File |
| Deed Document Number | 201759088 |
| Last Transfer Date | Nov 10, 2023 |
| Transfer Doc | 0000058814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 54 PROSPECT ST, BLOOMFIELD, NJ 07003-3225 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 54 PROSPECT ST, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000036849 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 2022036849 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 330 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 54 PROSPECT ST, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000012442 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2020 |
| Title Company | AMERICAN PREMIER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 54 PROSPECT ST BLOOMFIELD NJ 070033225, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000012442 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 12442 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 54 PROSPECT ST, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000095322 |
| Instrument Date | Oct 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2019 |
| Name | Verified Name |
|---|---|
| Address | 54 PROSPECT ST BLOOMFIELD NJ 070033225, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000095322 |
|---|---|
| Date | Nov 2, 2018 |
| Instrument | 95322 |
| Name | HOME FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jul 10, 2017 |
| Property Address | 54 PROSPECT ST, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 0000059088 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 59088 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2017 |
| Title Company | SAFELAND TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 54 PROSPECT ST BLOOMFIELD NJ 070033225, BLOOMFIELD, NJ 07003-3225 |
| Document Number | 59089 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 59089 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 9, 2047 |
The 2025 property tax bill for 54 Prospect St was $6,674, up 2.9% from the year before.
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 | $191,300 (-) Land $44,700 Building $146,600 | $191,300 (-) Land $44,700 Building $146,600 | |
| 2025 | $6,674.00 (+2.87%) | $191,300 Land $44,700 Building $146,600 | $191,300 Land $44,700 Building $146,600 |
| 2024 | $6,488.00 | ||
| 2023 | $191,300 Land $44,700 Building $146,600 | $191,300 Land $44,700 Building $146,600 | |
| 2022 | $6,125.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Prospect St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 54 Prospect St 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 | 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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