1076 Prospect St, Hillside, NJ 07205 Property Records

Union County and Hillside Township property record for 1076 Prospect St, Hillside, NJ 07205

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 1929
Lot Size	0.055 acres (2,405 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (May 2015)
Tax Bill	$8,490 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-01218-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`07-01218-0000-00029`
Alternative APNs	`070121800029` `00445000`

Interior

Stories	2 Stories
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Construction Type	Frame
Lot Area	2,405 sqft (0.055 acres)
Lot Dimensions	65 ft deep x 37 ft wide

Location & Zoning

Account Number	00445000
Street Address	1076 PROSPECT ST
City	HILLSIDE
State	NJ
Zip	07205-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	INCL BLK 1218 LOTS 29 & 93-14
Legal Subdivision	SAYBROOK
Legal Block	1218
Legal Lot Number	29
Jurisdiction	UNION NJ
Township / Civil Division	HILLSIDE
Census Block Group	5
Census Block	5003
Census Tract	32500

Owner

1076 Prospect St is owned and occupied by two individuals who acquired it in July 2020.

Source: Union County and Hillside Township records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1076 PROSPECT ST, HILLSIDE, NJ 07205-2750
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAS MORTGAGE LENDER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2015 · Amount on File
Deed Sale	May 5, 2015 · Amount on File
Prior Sale	Oct 9, 2008 · Amount on File
Deed Document Number	2015260928
Deed Book / Page	6056 / 399
Last Transfer Date	Jul 18, 2020
Transfer Doc	0063762477
Record Updated	Oct 29, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Aug 30, 2021
Property Address	1076 PROSPECT ST, HILLSIDE, NJ 07205-2750
Document Number	0064270471
Book / Page	6427 / 471
Instrument Date	Jul 20, 2021
Instrument	8730
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	PRESTIGE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,359.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 PAVONIA AVE, 490, JERSEY CITY, NJ 07306-1372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 PROSPECT ST, HILLSIDE, NJ 07205-2750

Mortgage

Document Number	19719
Date	Aug 30, 2021
Instrument	19719

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Aug 4, 2020
Property Address	1076 PROSPECT ST, HILLSIDE, NJ 07205-2750
Document Number	0063762477
Book / Page	6376 / 2477
Instrument Date	Jul 18, 2020
Instrument	326546
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 PROSPECT ST, HILLSIDE, NJ 07205-2750

Mortgage

Document Number	695996
Date	Aug 4, 2020
Instrument	695996

Lender

Name	AMERICAS MORTGAGE LENDER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1076 Prospect St was $8,490, up 7.8% from the year before.

Source: Union County and Hillside Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Hillside Township
Unified School District	Hillside Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,400 (-) Land $45,000 Building $50,400	$95,400 (-) Land $45,000 Building $50,400
2025	$8,490.00 (+7.84%)	$95,400 Land $45,000 Building $50,400	$95,400 Land $45,000 Building $50,400
2024	$7,873.00
2023		$95,400 Land $45,000 Building $50,400	$95,400 Land $45,000 Building $50,400
2022	$7,573.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1076 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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

The area around 1076 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 950 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

May also be available: Optimum, T-Mobile.

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