609 Upper Mountain Ave, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 609 Upper Mountain Ave, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	1,613 sqft · built 1949
Lot Size	0.297 acres (12,925 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Sep 2022)
Tax Bill	$20,386 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-00906-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`13-00906-0000-00014`
Alternative APN	`130090600014`

Interior

Stories	1 Story
Building Area	1,613 sqft Living Area
1st Floor Area	1,613 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	12,925 sqft (0.297 acres)
Lot Dimensions	235 ft deep x 55 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	130090600014
Street Address	609 UP MOUNTAIN AVE
City	MONTCLAIR
State	NJ
Zip	07043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	55X235 IRR
Legal Block	906
Legal Lot Number	14
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	4
Census Block	4001
Census Tract	16100

Owner

Source: Essex County and Montclair Township assessment roll, 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 File
Mailing Address	609 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1622
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 20, 2020	Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L
Sep 25, 2019	Deed of Trust, Mortgage · VA Mortgage GARDEN ST HM LNS INC
Sep 11, 2018	Grant Deed, Transfer · VA Mortgage HOME FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 6, 2022 · Amount on Record
Deed Sale	Sep 6, 2022 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	202281498
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 6, 2022
Property Address	609 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1622
Document Number	0000081498
Instrument Date	Aug 26, 2022
Instrument	2022081498
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1425 COUNTY HIGHWAY 7, 1425, ROSCOE, NY 12776-2591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1622

Mortgage

Document Number	0000081499
Date	Sep 6, 2022
Instrument	2022081499

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	9.87%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	609 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1622
Document Number	0000107682
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NTC - KEY W

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431622, MONTCLAIR, NJ 07043-1622

Mortgage

Document Number	0000107682
Date	Oct 30, 2020
Instrument	107682

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	609 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1622
Document Number	0000094448
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431622, MONTCLAIR, NJ 07043-1622

Mortgage

Document Number	0000094448
Date	Oct 4, 2019
Instrument	94448

Lender

Name	GARDEN ST HM LNS INC
Address	CHERRY HILL, NJ 08003

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 11, 2018
Property Address	609 UPPER MOUNTAIN AVE, MONTCLAIR, NJ 07043-1622
Document Number	0000079008
Instrument Date	Aug 23, 2018
Instrument	79008
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$482.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 UPPER MOUNTAIN AVE MONTCLAIR NJ 070431622, MONTCLAIR, NJ 07043-1622

Mortgage

Document Number	79009
Date	Sep 11, 2018
Instrument	79009

Lender

Name	HOME FIN'L
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2048

Interest

Rate Type	Adjustable Rate

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		$579,800 (-) Land $328,300 Building $251,500	$579,800 (-) Land $328,300 Building $251,500
2025	$20,386.00 (+3.32%)	$579,800 (-) Land $328,300 Building $251,500	$579,800 (-) Land $328,300 Building $251,500
2024	$19,730.00 (+26.14%)
2023		$579,800 Land $328,300 Building $251,500	$579,800 Land $328,300 Building $251,500
2022	$15,641.00

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 (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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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