Essex County and Montclair Township property record for 89 Porter Pl, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 3,582 sqft · built 1897 |
| Lot Size | 0.404 acres (17,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,150,000 (Jan 2026) |
| Tax Bill | $35,431 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01203-0000-00020 |
| Primary APN | 13-01203-0000-00020 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,582 sqft Living Area |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Construction Type | Frame |
| Lot Area | 17,600 sqft (0.404 acres) |
| Lot Dimensions | 160 ft deep x 110 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130120300020 |
|---|---|
| Street Address | 89 PORTER PL |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RO |
| Legal Description | 110X160 IRR |
| Legal Subdivision | MONTCLAIR TOWNSHIP |
| Legal Block | 1203 |
| Legal Lot Number | 20 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 16900 |
89 Porter Pl is owned and occupied by two individuals who bought it in January 2026.
Source: Essex County and Montclair Township records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 PORTER PL, MONTCLAIR, NJ 07042-2037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 25, 2025 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC |
| Jan 14, 2026 | Deed, Transfer · Conventional Mortgage FIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2026 · Amount on File |
| Deed Sale | Jan 14, 2026 · Amount on File |
| Prior Sale | Nov 5, 2008 · Amount on File |
| Deed Document Number | 20263071 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 89 PORTER PL, MONTCLAIR, NJ 07042-2037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000039878 |
|---|---|
| Date | Jun 25, 2025 |
| Instrument | 2025039878 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 14, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Jan 14, 2026 |
| Property Address | 89 PORTER PL, MONTCLAIR, NJ 07042-2037 |
| Document Number | 0000003071 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 2026003071 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2026 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 WASHINGTON ST, MONTCLAIR, NJ 07042-4521 |
| Name | Verified Name |
|---|---|
| Address | 89 PORTER PL, MONTCLAIR, NJ 07042-2037 |
| Document Number | 0000003072 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 2026003072 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 10.8% |
The 2025 property tax bill for 89 Porter Pl was $35,431, 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 | $1,007,700 (-) Land $344,600 Building $663,100 | $1,007,700 (-) Land $344,600 Building $663,100 | |
| 2025 | $35,431.00 (+3.32%) | $1,007,700 Land $344,600 Building $663,100 | $1,007,700 Land $344,600 Building $663,100 |
| 2024 | $34,292.00 | ||
| 2023 | $1,007,700 Land $344,600 Building $663,100 | $1,007,700 Land $344,600 Building $663,100 | |
| 2022 | $33,133.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 89 Porter Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1994.
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 (1994–2021) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 89 Porter Pl 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 95% of the US · lower than 87% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 194 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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