89 Union St, Montclair, NJ 07042 Property Records

Essex County and Montclair Township property record for 89 Union St, Montclair, NJ 07042

Property Summary

Property Type	Single Family Home
Details	3,650 sqft · built 1922
Lot Size	0.233 acres (10,160 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jan 2009)
Tax Bill	$24,784 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-02202-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`13-02202-0000-00010`
Alternative APN	`130220200010`

Interior

Stories	2 Stories
Building Area	3,650 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Frame
Lot Area	10,160 sqft (0.233 acres)
Lot Dimensions	127 ft deep x 80 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	130220200010
Street Address	89 UNION ST
City	MONTCLAIR
State	NJ
Zip	07042-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	80X127 IRR
Legal Block	2202
Legal Lot Number	10
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	3
Census Block	3001
Census Tract	17000

Owner

Source: Essex County and Montclair Township records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	89 UNION ST, MONTCLAIR, NJ 07042-2612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 20, 2021	Quit Claim Deed, Transfer GUARANTEED RATE
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2009 · Amount on Record
Deed Sale	Jan 6, 2009 · Amount on Record
Prior Sale	Oct 22, 1993 · Amount on Record
Deed Document Number	20098114650
Deed Book / Page	12173 / 978
Last Transfer Date	Dec 15, 2020
Transfer Doc	2021007052
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	89 UNION ST, MONTCLAIR, NJ 07042-2612
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049003
Date	Aug 15, 2023
Instrument	2023049003

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ESSEX NJ
Recording Date	Jan 20, 2021
Property Address	89 UNION ST, MONTCLAIR, NJ 07042-2612
Document Number	0000007052
Instrument Date	Dec 15, 2020
Instrument	7052
Transaction Type	Transfer
Record Updated	Mar 31, 2021
Title Company	TITLE ON DEMAND/NJ INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 UNION ST MONTCLAIR NJ 070422612, MONTCLAIR, NJ 07042-2612

Mortgage

Document Number	7053
Date	Jan 20, 2021
Instrument	7053

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	89 UNION ST, MONTCLAIR, NJ 07042-2612
Document Number	0000007053
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE ON DEMAND/NJ INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 UNION ST MONTCLAIR NJ 070422612, MONTCLAIR, NJ 07042-2612

Mortgage

Document Number	0000007053
Date	Jan 20, 2021
Instrument	7053

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

Tax Assessment & Valuation

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		$704,900 (-) Land $261,500 Building $443,400	$704,900 (-) Land $261,500 Building $443,400
2025	$24,784.00 (+3.32%)	$704,900 (-) Land $261,500 Building $443,400	$704,900 (-) Land $261,500 Building $443,400
2024	$23,987.00 (+3.49%)
2023		$704,900 Land $261,500 Building $443,400	$704,900 Land $261,500 Building $443,400
2022	$23,177.00

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

Flood

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	2 in force
Nearby Flood Claims	18 (1987–2021)
Claims Outside the SFHA	12 of 18
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 claims Hurricane Irene, Aug 2011 · 3 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 480 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

May also be available: AT&T.

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