22 municipalities. Every one has its own guide, and any address in Essex County can be checked free — the recorded history and the verdict come back with no card.
| Parcels on file | 26,846 |
| Sold in the low-rate era (Jan 2015 – Feb 2022) | 10,741 |
| Deed dates span | Jun 2018 – Jun 2026 |
| Recorded mortgages held by | Essex County Register of Deeds and Mortgages, Newark |
A parcel in the low-rate era is one whose deed date falls inside the window when mortgage rates sat far below today's. Those are the loans worth asking about — it does not mean the loan is assumable, which depends on whether it is FHA, VA or conventional.
Whether a mortgage can be assumed is decided by the note itself, and the note is on file with the Essex County Register of Deeds and Mortgages in Newark. FHA and VA loans are assumable by law; a conventional loan carries a due-on-sale clause and generally is not. Until somebody reads that document, the loan type is estimated from the deed date, and every report says so on its face.