Essex County and Montclair Township property record for 674 Grove St, Montclair, NJ 07043
| Property Type | Single Family Home |
|---|---|
| Details | 1,488 sqft · built 1885 |
| Lot Size | 0.205 acres (8,925 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Sep 2020) |
| Tax Bill | $16,792 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 13-02805-0000-00005 |
| Primary APN | 13-02805-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,488 sqft Living Area |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Construction Type | Frame |
| Lot Area | 8,925 sqft (0.205 acres) |
| Lot Dimensions | 105 ft deep x 85 ft wide |
| Old Parcel Number | 130280500005 |
|---|---|
| Street Address | 674 GROVE ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07043-2034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 85X105 IRR |
| Legal Block | 2805 |
| Legal Lot Number | 5 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 16200 |
674 Grove St is owned and occupied by two individuals who bought it in September 2020.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 674 GROVE ST, MONTCLAIR, NJ 07043-2034 |
| 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 |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 4, 2020 | Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2020 · Amount on File |
| Deed Sale | Sep 4, 2020 · Amount on File |
| Prior Sale | Sep 1, 1992 · Amount on File |
| Deed Document Number | 202086108 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 674 GROVE ST, MONTCLAIR, NJ 07043-2034 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000078991 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 2025078991 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 2, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Sep 4, 2020 |
| Property Address | 674 GROVE ST, MONTCLAIR, NJ 07043-2034 |
| Document Number | 0000086108 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 86108 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2020 |
| Title Company | PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 674 GROVE ST MONTCLAIR NJ 070432034, MONTCLAIR, NJ 07043-2034 |
| Document Number | 86119 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 86119 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2050 |
The 2025 property tax bill for 674 Grove St was $16,792, 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 | $505,100 (+5.76%) Land $315,900 Building $189,200 | $505,100 (+5.76%) Land $315,900 Building $189,200 | |
| 2025 | $16,792.00 (+3.32%) | $477,600 Land $315,900 Building $161,700 | $477,600 Land $315,900 Building $161,700 |
| 2024 | $16,252.00 | ||
| 2023 | $477,600 Land $315,900 Building $161,700 | $477,600 Land $315,900 Building $161,700 | |
| 2022 | $15,703.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 674 Grove St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (2007–2021) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 674 Grove 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 99.1% of the US · lower than 97.3% 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 344 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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