86 Cooper Ave, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 86 Cooper Ave, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	2,675 sqft · built 1924
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$749,000 (Aug 2017)
Tax Bill	$27,537 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-03506-0000-00024`

Property Details

APN / Parcel Number

Primary APN	`13-03506-0000-00024`
Alternative APN	`130350600024`

Interior

Stories	2 Stories
Building Area	2,675 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	160 ft deep x 55 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130350600024
Street Address	86 COOPER AVE
City	MONTCLAIR
State	NJ
Zip	07043-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	55X160
Legal Block	3506
Legal Lot Number	24
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	4
Census Block	4001
Census Tract	16300

Owner

86 Cooper Ave is owned and occupied by an individual who acquired it in November 2020.

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	86 COOPER AVE, MONTCLAIR, NJ 07043-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Dec 14, 2020	Quit Claim Deed, Transfer FLAGSTAR BK
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BK
May 12, 2018	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BK
Aug 23, 2017	Grant Deed, Transfer · Conventional Mortgage CLASSIC NY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2017 · Amount on File
Deed Sale	Aug 23, 2017 · Amount on File
Prior Sale	May 21, 1998 · Amount on File
Deed Document Number	201775098
Last Transfer Date	Nov 6, 2020
Transfer Doc	0000125008
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	86 COOPER AVE, MONTCLAIR, NJ 07043-2219
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	TITLE 365- NLSE, TITLE 365 NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073956
Date	Aug 8, 2022
Instrument	2022073956

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 14, 2020
Property Address	86 COOPER AVE, MONTCLAIR, NJ 07043-2219
Document Number	0000125008
Instrument Date	Nov 6, 2020
Instrument	125008
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	SERVICELINK EAST ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	86 COOPER AVE MONTCLAIR NJ 070432219, MONTCLAIR, NJ 07043-2219

Mortgage

Document Number	125009
Date	Dec 14, 2020
Instrument	125009

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	86 COOPER AVE, MONTCLAIR, NJ 07043-2219
Document Number	0000103827
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 COOPER AVE MONTCLAIR NJ 070432219, MONTCLAIR, NJ 07043-2219

Mortgage

Document Number	0000103827
Date	Dec 3, 2018
Instrument	103827

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2048

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	86 COOPER AVE, MONTCLAIR, NJ 07043-2219
Document Number	0000046341
Instrument Date	May 12, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 COOPER AVE MONTCLAIR NJ 070432219, MONTCLAIR, NJ 07043-2219

Mortgage

Document Number	0000046341
Date	May 29, 2018
Instrument	46341

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 28, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 23, 2017
Property Address	86 COOPER AVE, MONTCLAIR, NJ 07043-2219
Document Number	0000075098
Instrument Date	Aug 4, 2017
Instrument	75098
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$749.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	86 COOPER AVE MONTCLAIR NJ 070432219, MONTCLAIR, NJ 07043-2219

Mortgage

Document Number	75104
Date	Aug 23, 2017
Instrument	75104

Lender

Name	CLASSIC NY MTG
Type	Mortgage Company
Address	MAYWOOD, NJ 07607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 86 Cooper Ave was $27,537, up 3.3% from the year before.

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		$783,200 (-) Land $369,000 Building $414,200	$783,200 (-) Land $369,000 Building $414,200
2025	$27,537.00 (+3.32%)	$783,200 Land $369,000 Building $414,200	$783,200 Land $369,000 Building $414,200
2024	$26,652.00
2023		$783,200 Land $369,000 Building $414,200	$783,200 Land $369,000 Building $414,200
2022	$25,751.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 86 Cooper Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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	5 in force
Nearby Flood Claims	4 (1983–2021)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2021 · 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

Wildfire risk around 86 Cooper Ave is low, with 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 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	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.

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 436 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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