Essex County and Montclair Township property record for 74 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 3,264 sqft · built 1912 |
| Lot Size | 0.294 acres (12,798 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,270,000 (Jan 2018) |
| Tax Bill | $34,270 (2025) |
| Deeds & Mortgages | Jan 2018 Line of Credit Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-03309-0000-00014 |
| Primary APN | 13-03309-0000-00014 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,264 sqft Living Area |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Construction Type | Frame |
| Lot Area | 12,798 sqft (0.294 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130330900014 |
|---|---|
| Street Address | 74 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 80X160 |
| Legal Block | 3309 |
| Legal Lot Number | 14 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 16500 |
74 Christopher St is owned and occupied by two individuals who bought it in January 2018.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 74 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4228 |
| 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 |
|---|---|
| Jan 12, 2018 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Jan 18, 2018 | Grant Deed, Transfer LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on File |
| Deed Sale | Jan 18, 2018 · Amount on File |
| Prior Sale | Oct 12, 2004 · Amount on File |
| Deed Document Number | 20184745 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 74 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4228 |
| Document Number | 0000004761 |
| Instrument Date | Jan 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 74 CHRISTOPHER ST MONTCLAIR NJ 070424228, MONTCLAIR, NJ 07042-4228 |
| Document Number | 0000004761 |
|---|---|
| Date | Jan 18, 2018 |
| Instrument | 4761 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | WOBURN, MA 01801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jan 18, 2018 |
| Property Address | 74 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4228 |
| Document Number | 0000004745 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 4745 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,270.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 74 CHRISTOPHER ST MONTCLAIR NJ 070424228, MONTCLAIR, NJ 07042-4228 |
| Document Number | 4754 |
|---|---|
| Date | Jan 18, 2018 |
| Instrument | 4754 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 17, 2048 |
The 2025 property tax bill for 74 Christopher St was $34,270, 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 | $974,700 (-) Land $264,100 Building $710,600 | $974,700 (-) Land $264,100 Building $710,600 | |
| 2025 | $34,270.00 (+3.32%) | $974,700 Land $264,100 Building $710,600 | $974,700 Land $264,100 Building $710,600 |
| 2024 | $33,169.00 | ||
| 2023 | $934,100 Land $264,100 Building $670,000 | $934,100 Land $264,100 Building $670,000 | |
| 2022 | $30,713.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 74 Christopher St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.
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 | 4 in force |
| Nearby Flood Claims | 3 (2011–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2024 · rainfall accumulation |
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 74 Christopher 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 578 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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