109 Headley Ter, Union, NJ 07083 Property Records

Union County and Union Township property record for 109 Headley Ter, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	built 1940
Lot Size	0.108 acres (4,687 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Feb 2026)
Tax Bill	$10,402 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-04108-0000-00012`

Property Details

APN / Parcel Number

Primary APN	`19-04108-0000-00012`
Alternative APN	`190410800012`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	4,687 sqft (0.108 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	109 HEADLEY TER
City	UNION
State	NJ
Zip	07083-6921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PROPERTY BELONGING TO ABNER HEADLEY
Legal Block	4108
Legal Lot Number	12
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	1
Census Block	1006
Census Tract	33000

Owner

109 Headley Ter is owned and occupied by two individuals who bought it in February 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	109 HEADLEY TER, UNION, NJ 07083-6921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 4, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage NAVY FCU
Sep 11, 2025	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO
Jun 1, 2018	Deed, Transfer · Conventional Mortgage WEICHERT FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on File
Deed Sale	Feb 4, 2026 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Document Number	202652669
Deed Book / Page	6609 / 2771
Prior Transfer Date	Jul 7, 2009
Prior Transfer Doc	0057710593
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	109 HEADLEY TER, UNION, NJ 07083-6921
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	UNKNOWN, NATIONAL LINK ORIGINATIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149282697
Date	Apr 5, 2021
Book Page	14928/2697
Instrument	8738

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	109 HEADLEY TER, UNION, NJ 07083-6921
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HEADLEY TER, UNION, NJ 07083-6921

Mortgage

Document Number	0156972215
Date	Sep 24, 2025
Book Page	15697/2215
Instrument	83410

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 24, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	UNION NJ
Recording Date	Feb 4, 2026
Property Address	109 HEADLEY TER, UNION, NJ 07083-6921
Document Number	0066092771
Book / Page	6609 / 2771
Instrument Date	Nov 14, 2025
Instrument	52669
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	ALL JERSEY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,026.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 ROBERT CT # CTD4, CTD4, WEST ORANGE, NJ 07052-6251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HEADLEY TER, UNION, NJ 07083-6921

Mortgage

Document Number	0000088288
Date	Feb 4, 2026
Instrument	88288

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Sep 11, 2025
Property Address	109 HEADLEY TER, UNION, NJ 07083-6921
Document Number	0065940255
Book / Page	6594 / 255
Instrument Date	Sep 5, 2025
Instrument	49279
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 HEADLEY TER, UNION, NJ 07083-6921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HEADLEY TER, UNION, NJ 07083-6921

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jun 1, 2018
Property Address	109 HEADLEY TER, UNION, NJ 07083-6921
Document Number	0062660133
Book / Page	6266 / 0133
Map Reference	MAP149-C
Instrument Date	May 29, 2018
Instrument	300511
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	WEICHERT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	96 TUSSEL LN, 96, SCOTCH PLAINS, NJ 07076-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HEADLEY TER, UNION, NJ 07083-6921

Mortgage

Document Number	0000657947
Date	Jun 1, 2018
Instrument	657947

Lender

Name	WEICHERT FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 109 Headley Ter was $10,402, up 4.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,600 (-) Land $20,400 Building $24,200	$44,600 (-) Land $20,400 Building $24,200
2025	$10,402.00 (+4.34%)	$44,600 Land $20,400 Building $24,200	$44,600 Land $20,400 Building $24,200
2024	$9,969.00
2023		$44,600 Land $20,400 Building $24,200	$44,600 Land $20,400 Building $24,200
2022	$9,328.00

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 109 Headley Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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 Claims	4 (1979–2007)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2007 · 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

The area around 109 Headley Ter 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 495 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: T-Mobile.

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