Essex County and Montclair Township property record for 543 Upper Mountain Ave, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 2,390 sqft · built 1924 |
| Lot Size | 0.207 acres (8,999 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,150,000 (Jun 2022) |
| Tax Bill | $22,524 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00905-0000-00005 |
| Primary APN | 13-00905-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,390 sqft Living Area |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Construction Type | Frame |
| Lot Area | 8,999 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130090500005 |
|---|---|
| Street Address | 543 UP MOUNTAIN AVE |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 60X150 |
| Legal Block | 905 |
| Legal Lot Number | 5 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 16100 |
543 Upper Mountain Ave is owned by two individuals who bought it in June 2022.
Source: Essex County and Montclair Township records, as of August 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 543 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1608 |
| 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 |
|---|---|
| Jun 14, 2022 | Deed, Transfer · Conventional Mortgage USALLIANCE FCU |
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on File |
| Deed Sale | Jun 14, 2022 · Amount on File |
| Prior Sale | Jul 14, 2011 · Amount on File |
| Deed Document Number | 202257454 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jun 14, 2022 |
| Property Address | 543 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1608 |
| Document Number | 0000057454 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 2022057454 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2022 |
| Title Company | FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 DEAN RD, 7, MENDHAM, NJ 07945-1627 |
| Name | Verified Name |
|---|---|
| Address | 543 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1608 |
| Document Number | 0000057455 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022057455 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.25% |
| Index | Other |
| Max Rate | 9.25% |
| Document Number | 0000057456 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022057456 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | CHELMSFORD, MA 01824 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 543 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1608 |
| Document Number | 0000083175 |
| Instrument Date | Jul 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2020 |
| Title Company | SIMPLICITY TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 543 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431608, MONTCLAIR, NJ 07043-1608 |
| Document Number | 0000083175 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 83175 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 26, 2050 |
The 2025 property tax bill for 543 Upper Mountain Ave was $22,524, 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 | $640,600 (-) Land $310,500 Building $330,100 | $640,600 (-) Land $310,500 Building $330,100 | |
| 2025 | $22,524.00 (+3.33%) | $640,600 Land $310,500 Building $330,100 | $640,600 Land $310,500 Building $330,100 |
| 2024 | $21,799.00 | ||
| 2023 | $640,600 Land $310,500 Building $330,100 | $640,600 Land $310,500 Building $330,100 | |
| 2022 | $21,033.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 543 Upper Mountain Ave in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| 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 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2020 · Tropical Storm Isaias |
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 543 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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