Essex County and Montclair Township property record for 96 Union St, Montclair, NJ 07042
| Property Type | Single Family Home |
|---|---|
| Details | 5,026 sqft · built 1989 |
| Lot Size | 0.335 acres (14,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,803,750 (Jun 2013) |
| Tax Bill | $44,259 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02108-0000-00002 |
| Primary APN | 13-02108-0000-00002 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 5,026 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 14,600 sqft (0.335 acres) |
| Lot Dimensions | 146 ft deep x 100 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 130210800002 |
|---|---|
| Street Address | 96 UNION ST |
| City | MONTCLAIR |
| State | NJ |
| Zip | 07042-2613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 100X146 IRR |
| Legal Subdivision | ELMBROOK CLUB ESTATES |
| Legal Block | 2108 |
| Legal Lot Number | 2 |
| 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 | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · Line of Credit COASTALSTATES BANK |
| Nov 5, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 24, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Feb 24, 2020 | Loan Modification, Mortgage · Conventional Mortgage US BK |
| Oct 12, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Apr 29, 2018 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2013 · Amount on Record |
| Deed Sale | Jun 6, 2013 · Amount on Record |
| Prior Sale | Jun 6, 2013 · Amount on Record |
| Deed Document Number | 201313050354 |
| Deed Book / Page | 12438 / 2180 |
| Prior Transfer Date | Sep 23, 2011 |
| Prior Transfer Doc | 0011071776 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Recording Date | May 11, 2026 |
| Property Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000031372 |
| Instrument Date | May 1, 2026 |
| Instrument | 202631372 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SAFECO LAND TITLE, SAFE LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000031372, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 202631372 |
| Name | COASTALSTATES BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 15, 2046 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 2021133090 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 2021133090 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Oct 20, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000027151 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 96 UNION ST MONTCLAIR NJ 070422613, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000027151 |
|---|---|
| Date | Mar 10, 2020 |
| Instrument | 27151 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 9, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000027153 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 96 UNION ST MONTCLAIR NJ 070422613, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000027153 |
|---|---|
| Date | Mar 10, 2020 |
| Instrument | 27153 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000111561 |
| Instrument Date | Oct 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2020 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 96 UNION ST MONTCLAIR NJ 070422613, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000111561 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 111561 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NJ |
| Property Address | 96 UNION ST, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000042521 |
| Instrument Date | Apr 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2018 |
| Name | Verified Name |
|---|---|
| Address | 96 UNION ST MONTCLAIR NJ 070422613, MONTCLAIR, NJ 07042-2613 |
| Document Number | 0000042521 |
|---|---|
| Date | May 15, 2018 |
| Instrument | 42521 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,258,800 (-) Land $294,500 Building $964,300 | $1,258,800 (-) Land $294,500 Building $964,300 | |
| 2025 | $44,259.00 (+3.32%) | $1,258,800 (-) Land $294,500 Building $964,300 | $1,258,800 (-) Land $294,500 Building $964,300 |
| 2024 | $42,836.00 (+3.5%) | ||
| 2023 | $1,258,800 Land $294,500 Building $964,300 | $1,258,800 Land $294,500 Building $964,300 | |
| 2022 | $41,389.00 |
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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