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97 Cooper Ave, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 97 Cooper Ave, Montclair, NJ 07043

Property Summary

Property TypeSingle Family Home
Details2,859 sqft · built 1924
Lot Size0.321 acres (13,980 sqft)
Owner2 Individual Names on Record
Last Sale$865,000 (Aug 2020)
Tax Bill$29,373 (2025)
Deeds & MortgagesMar 2024 Line of Credit
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN13-03507-0000-00028

Property Details

APN / Parcel Number

Primary APN13-03507-0000-00028
Alternative APN
  • 130350700028

Interior

Stories2 Stories
Building Area2,859 sqft Living Area

Exterior

Year BuiltBuilt 1924
Effective Year BuiltEffective 1924
Construction TypeFrame
Lot Area13,980 sqft (0.321 acres)
Lot Dimensions233 ft deep x 60 ft wide
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number130350700028
Street Address97 COOPER AVE
CityMONTCLAIR
StateNJ
Zip07043-2218
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description60X233 IRR
Legal Block3507
Legal Lot Number28
JurisdictionESSEX NJ
Township / Civil DivisionMONTCLAIR
Census Block Group4
Census Block4000
Census Tract16300

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 Record2 Individual Names on Record
Mailing Address97 COOPER AVE, MONTCLAIR, NJ 07043-2218
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 7, 2024Deed of Trust, Mortgage · Line of Credit
JACKSON FLAGSTAR CENTRE OFFICE
Jul 27, 2020Deed of Trust, Mortgage · Conventional with PMI
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 7, 2020 · Amount on Record
Deed SaleAug 7, 2020 · Amount on Record
Prior SaleAug 10, 1993 · Amount on Record
Deed Document Number202075078
Record UpdatedSep 20, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionESSEX NJ
Property Address97 COOPER AVE, MONTCLAIR, NJ 07043-2218
Transaction TypeMortgage
Record UpdatedOct 16, 2025
Title CompanyBESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000013310
DateMar 7, 2024
Instrument2024013310
Lender
NameJACKSON FLAGSTAR CENTRE OFFICE
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 1, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionESSEX NJ
Property Address97 COOPER AVE, MONTCLAIR, NJ 07043-2218
Document Number0000075079
Instrument DateJul 27, 2020
Transaction TypeMortgage
Record UpdatedAug 24, 2020
Title CompanyEVIDENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address97 COOPER AVE MONTCLAIR NJ 070432218, MONTCLAIR, NJ 07043-2218

Mortgage

Document Number0000075079
DateAug 7, 2020
Instrument75079
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 6, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyEssex County
County SubdivisionMontclair Township
Unified School DistrictMontclair Town School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$861,800 (+3.16%) Land $395,000 Building $466,800$861,800 (+3.16%) Land $395,000 Building $466,800
2025$29,373.00 (+3.32%)$835,400 (-) Land $395,000 Building $440,400$835,400 (-) Land $395,000 Building $440,400
2024$28,428.00 (+3.5%)
2023$835,400 Land $395,000 Building $440,400$835,400 Land $395,000 Building $440,400
2022$27,467.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims4 (1983–2021)
Claims Outside the SFHA4 of 4
Most Recent ClaimAug 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMONTCLAIR WATER BUREAU
serves 40,150 people · EPA ID NJ0713001
Water SourcePurchased surface water from several systems
Last State InspectionSep 2024
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jan 2024
Monitoring and Reporting1
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

ProviderMax 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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