Essex County and Montclair Township property record for 81 Christopher St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 2,825 sqft · built 1897 |
| Lot Size | 0.198 acres (8,607 sqft) |
| Owner | Individual Name on File |
| Last Sale | $660,000 (Jun 2011) |
| Tax Bill | $24,682 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04303-0000-00005 |
| Primary APN | 13-04303-0000-00005 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,825 sqft Living Area |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Construction Type | Frame |
| Lot Area | 8,607 sqft (0.198 acres) |
| Old Parcel Number | 130430300005 |
|---|---|
| Street Address | 81 CHRISTOPHER ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-4231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 8608SF |
| Legal Block | 4303 |
| Legal Lot Number | 5 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 16500 |
81 Christopher St is owned and occupied by an individual who bought it in June 2011.
Source: Essex County and Montclair Township records, as of July 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 81 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jan 22, 2026 | Intrafamily Transfer, Transfer |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2011 · Amount on File |
| Deed Sale | Jun 10, 2011 · Amount on File |
| Prior Sale | Apr 28, 1998 · Amount on File |
| Deed Document Number | 201143273 |
| Deed Book / Page | 12315 / 585 |
| Prior Transfer Date | Nov 30, 1992 |
| Prior Transfer Doc | 5252000678 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jan 22, 2026 |
| Property Address | 81 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4231 |
| Document Number | 0000005048 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 2026005048 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 81 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4231 |
| Name | Verified Name |
|---|---|
| Address | 81 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4231 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 81 CHRISTOPHER ST, MONTCLAIR, NJ 07042-4231 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 2021021434 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021021434 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 81 Christopher St was $24,682, 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 | $702,000 (-) Land $243,000 Building $459,000 | $702,000 (-) Land $243,000 Building $459,000 | |
| 2025 | $24,682.00 (+3.32%) | $702,000 Land $243,000 Building $459,000 | $702,000 Land $243,000 Building $459,000 |
| 2024 | $23,889.00 | ||
| 2023 | $702,000 Land $243,000 Building $459,000 | $702,000 Land $243,000 Building $459,000 | |
| 2022 | $23,081.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 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 81 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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