1089 William St, Elizabeth, NJ 07201 Property Records

Union County and Elizabeth City property record for 1089 William St, Elizabeth, NJ 07201

Property Summary

Property Type	Single Family Home
Details	2,362 sqft · built 2009
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jul 2009)
Tax Bill	$11,319 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04 00009-0000-01398`

Property Details

APN / Parcel Number

Primary APN	`04 00009-0000-01398`
Alternative APNs	`04-00298-0000-00033` `040000901398`

Interior

Stories	2 Stories
Building Area	2,362 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Duplex Single
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	0400009000001398
Street Address	1089 WILLIAM ST
City	ELIZABETH
State	NJ
Zip	07201-2653
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	298
Legal Lot Number	33
Jurisdiction	UNION NJ
Township / Civil Division	ELIZABETH
Census Block Group	4
Census Block	4006
Census Tract	31200

Owner

1089 William St is owned and occupied by an individual who bought it in July 2009.

Source: Union County and Elizabeth City records, as of July 8, 2026

Owner of Record	Individual Name on File
Mailing Address	1089 WILLIAM ST, ELIZABETH, NJ 07201-2653
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 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 12, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2009 · Amount on File
Deed Sale	Jul 22, 2009 · Amount on File
Prior Sale	Oct 31, 2008 · Amount on File
Deed Document Number	2009206646
Deed Book / Page	5772 / 327
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1089 WILLIAM ST, ELIZABETH, NJ 07201-2653
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153992850
Date	Aug 17, 2023
Book Page	15399/2850
Instrument	55178

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1089 WILLIAM ST, ELIZABETH, NJ 07201-2653
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 WILLIAM ST, ELIZABETH, NJ 07201-2653

Mortgage

Document Number	0147542942
Date	Aug 28, 2020
Book Page	14754/2942
Instrument	697597

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2050

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NJ
Property Address	1089 WILLIAM ST, ELIZABETH, NJ 07201-2653
Document Number	0147542948
Instrument Date	Jul 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	CORELOGIC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 WILLIAM ST ELIZABETH NJ 072012653, ELIZABETH, NJ 07201-2653

Mortgage

Document Number	0147542948
Date	Aug 28, 2020
Book Page	014754/002948
Instrument	697598

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1089 William St was $11,319, up 4.8% from the year before.

Source: Union County and Elizabeth City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Elizabeth City
Unified School District	Elizabeth City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$561,200 (-) Land $157,500 Building $403,700	$561,200 (-) Land $157,500 Building $403,700
2025	$11,319.00 (+4.83%)	$561,200 Land $157,500 Building $403,700	$561,200 Land $157,500 Building $403,700
2024	$10,797.00
2023		$45,000 Land $11,000 Building $34,000	$45,000 Land $11,000 Building $34,000
2022	$13,760.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1089 William St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1089 William 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 - LIBERTY private · serves 134,000 people · EPA ID NJ2004001
Water Source	Purchased surface water from several systems
Lead	2 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 371 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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