Essex County and Montclair Township property record for 92 Union St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 4,427 sqft · built 2003 |
| Lot Size | 0.282 acres (12,301 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,900,000 (Nov 2021) |
| Tax Bill | $50,940 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02108-0000-00003-01 |
| Primary APN | 13-02108-0000-00003-01 |
|---|---|
| Alternative APN |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 4,427 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame |
| Lot Area | 12,301 sqft (0.282 acres) |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 13021080000000030001 |
|---|---|
| Street Address | 92 UNION ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-2613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 12300SF |
| Legal Block | 2108 |
| Legal Lot Number | 3.1 |
| Jurisdiction | ESSEX NJ |
| Township / Civil Division | MONTCLAIR |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 17000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 92 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Nov 3, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 1, 2017 | Grant Deed, Transfer HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2021 · Amount on Record |
| Deed Sale | Nov 3, 2021 · Amount on Record |
| Prior Sale | Sep 1, 2017 · Amount on Record |
| Deed Document Number | 2021131204 |
| Prior Transfer Date | Aug 15, 1994 |
| Prior Transfer Doc | 5329000146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 92 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000028549 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021028549 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.2% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.2% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Nov 3, 2021 |
| Property Address | 92 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000131204 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021131204 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 92 UNION ST, 92, MONTCLAIR, NJ 07042-2613 |
| Name | Verified Name |
|---|---|
| Address | 92 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000131205 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 2021131205 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 92 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 2021028549 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021028549 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.2% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.2% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | Sep 1, 2017 |
| Property Address | 92 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000078214 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 78214 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2019 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,655.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 92 UNION ST MONTCLAIR NJ 070422613, MONTCLAIR, NJ 07042-2613 |
| Document Number | 78216 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 78216 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | 7 EASTON OVAL, COLUMBUS, OH 43219-6010 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
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 | $1,448,800 (-) Land $286,400 Building $1,162,400 | $1,448,800 (-) Land $286,400 Building $1,162,400 | |
| 2025 | $50,940.00 (+3.32%) | $1,448,800 (+0.91%) Land $286,400 Building $1,162,400 | $1,448,800 (+0.91%) Land $286,400 Building $1,162,400 |
| 2024 | $49,302.00 (+0.96%) | ||
| 2023 | $1,435,800 Land $286,400 Building $1,149,400 | $1,435,800 Land $286,400 Building $1,149,400 | |
| 2022 | $48,833.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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 495 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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