Union County and Mountainside Borough property record for 1024 Charles St, Mountainside, NJ 07092
| Property Type | Single Family Home |
|---|---|
| Details | 2,167 sqft · built 1956 |
| Lot Size | 0.341 acres (14,854 sqft) |
| Owner | Individual Name on File |
| Last Sale | $650,000 (May 2006) |
| Tax Bill | $12,254 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00007-10-00001 |
| Primary APN | 10-00007-10-00001 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,167 sqft Living Area |
| 1st Floor Area | 2,167 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame |
| Lot Area | 14,854 sqft (0.341 acres) |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 1000007J00001 |
|---|---|
| Street Address | 1024 CHARLES ST |
| City | MOUNTAINSIDE |
| State | NJ |
| Zip | 07092-2103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Subdivision | CHARLES STREET MAP #4 |
| Legal Block | 7.10 |
| Legal Lot Number | 1 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | MOUNTAINSIDE |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 38300 |
1024 Charles St is owned and occupied by an individual who bought it in May 2006.
Source: Union County and Mountainside Borough records, as of August 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1024 CHARLES ST, MOUNTAINSIDE, NJ 07092-2103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITY BANK |
| Feb 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Jun 13, 2022 | Deed of Trust, Mortgage · SBA Mortgage UNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2006 · Amount on File |
| Deed Sale | May 19, 2006 · Amount on File |
| Prior Sale | May 19, 2003 · Amount on File |
| Deed Book / Page | 5582 / 509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jul 22, 2026 |
| Property Address | 1024 CHARLES ST, MOUNTAINSIDE, NJ 07092-2103 |
| Document Number | 0000095071 |
| Book / Page | 15833 / 2206 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202695071 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1024 CHARLES ST, MOUNTAINSIDE, NJ 07092-2103 |
| Document Number | 0000095071, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 15833/2206 |
| Instrument | 202695071 |
| Name | UNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 1024 CHARLES ST, MOUNTAINSIDE, NJ 07092-2103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1024 CHARLES STREET, NOUTAINSIDE, NJ |
| Document Number | 0157582630 |
|---|---|
| Date | Feb 9, 2026 |
| Book Page | 15758/2630 |
| Instrument | 88452 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 1024 CHARLES ST, MOUNTAINSIDE, NJ 07092-2103 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Title Company | GUARDIAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0152320605 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 15232/605 |
| Instrument | 38675 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1024 Charles St was $12,254, up 2.4% from the year before.
Source: Union County and Mountainside Borough assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Mountainside Borough |
| Unified School District | Mountainside Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $583,500 (-) Land $308,000 Building $275,500 | $583,500 (-) Land $308,000 Building $275,500 | |
| 2025 | $12,254.00 (+2.45%) | $583,500 Land $308,000 Building $275,500 | $583,500 Land $308,000 Building $275,500 |
| 2024 | $11,961.00 | ||
| 2023 | $583,500 Land $308,000 Building $275,500 | $583,500 Land $308,000 Building $275,500 | |
| 2022 | $11,652.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1024 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 7 (1999–2021) |
| Claims Outside the SFHA | 3 of 7 |
| 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.
Wildfire risk around 1024 Charles St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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