1095 Overlook Ter, Union, NJ 07083 Property Records

Union County and Union Township property record for 1095 Overlook Ter, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	built 1940
Lot Size	0.076 acres (3,302 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Oct 2014)
Tax Bill	$8,909 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-04209-0000-00034`

Property Details

APN / Parcel Number

Primary APN	`19-04209-0000-00034`
Alternative APN	`190420900034`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	3,302 sqft (0.076 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1095 OVERLOOK TER
City	UNION
State	NJ
Zip	07083-3607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	COLONIAL HEIGHTS
Legal Block	4209
Legal Lot Number	34
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	6
Census Block	6001
Census Tract	33100

Owner

1095 Overlook Ter is owned and occupied by two individuals who bought it in October 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	1095 OVERLOOK TER, UNION, NJ 07083-3607
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
Mar 3, 2026	Deed of Trust, Mortgage · FHA Mortgage STOCKTON MORTGAGE CORP
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2014 · Amount on File
Deed Sale	Oct 30, 2014 · Amount on File
Deed Document Number	2014255708
Deed Book / Page	6029 / 76
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1095 OVERLOOK TER, UNION, NJ 07083-3607
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 OVERLOOK TER, UNION, NJ 07083-3607

Mortgage

Document Number	0157672237
Date	Mar 3, 2026
Book Page	15767/2237
Instrument	89725

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1095 OVERLOOK TER, UNION, NJ 07083-3607
Transaction Type	Mortgage
Record Updated	May 12, 2023
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153472634
Date	Mar 29, 2023
Book Page	15347/2634
Instrument	50387

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1095 OVERLOOK TER, UNION, NJ 07083-3607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147632030
Date	Sep 10, 2020
Book Page	14763/2030
Instrument	698405

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Aug 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Overlook Ter was $8,909, 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		$38,200 (-) Land $13,200 Building $25,000	$38,200 (-) Land $13,200 Building $25,000
2025	$8,909.00 (+4.35%)	$38,200 Land $13,200 Building $25,000	$38,200 Land $13,200 Building $25,000
2024	$8,538.00
2023		$38,200 Land $13,200 Building $25,000	$38,200 Land $13,200 Building $25,000
2022	$7,989.00

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 1095 Overlook 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 Policies	3 in force
Nearby Flood Claims	4 (1979–1983)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 1983 · 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 1095 Overlook 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 954 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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