121 Headley Ter, Union, NJ 07083 Property Records

Union County and Union Township property record for 121 Headley Ter, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	1,581 sqft · built 1951
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Nov 2021)
Tax Bill	$10,938 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-04108-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`19-04108-0000-00009`
Alternative APN	`190410800009`

Interior

Stories	1 Story
Building Area	1,581 sqft Living Area
1st Floor Area	1,581 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	6,251 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	121 HEADLEY TER
City	UNION
State	NJ
Zip	07083-6921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ABNER HEADLEY
Legal Block	4108
Legal Lot Number	9
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	1
Census Block	1006
Census Tract	33000

Owner

121 Headley Ter is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	121 HEADLEY TER, UNION, NJ 07083-6921
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
Nov 3, 2021	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 23, 2017	Grant Deed, Transfer · Conventional with PMI FAMILY FIRST FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2021 · Amount on File
Deed Sale	Nov 3, 2021 · Amount on File
Prior Sale	Aug 23, 2017 · Amount on File
Deed Document Number	202111163
Deed Book / Page	6437 / 2264
Prior Transfer Date	Dec 20, 2010
Prior Transfer Doc	0058470749
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Nov 3, 2021
Property Address	121 HEADLEY TER, UNION, NJ 07083-6921
Document Number	0064372264
Book / Page	6437 / 2264
Instrument Date	Sep 14, 2021
Instrument	11163
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	NU WORLD TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,647.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 MERION DR, 9, LINCROFT, NJ 07738-1213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 HEADLEY TER, UNION, NJ 07083-6921

Mortgage

Document Number	24137
Date	Nov 3, 2021
Instrument	24137

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Aug 23, 2017
Property Address	121 HEADLEY TER, UNION, NJ 07083-6921
Document Number	0062100079
Book / Page	006210 / 000079
Instrument Date	Jul 26, 2017
Instrument	290331
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 HEADLEY TER UNION NJ 070836921, UNION, NJ 07083-6921

Mortgage

Document Number	143210413
Date	Aug 23, 2017
Book Page	014321/000413
Instrument	645172

Lender

Name	FAMILY FIRST FNDG
Type	Funding / Finance Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 121 Headley Ter was $10,938, 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		$46,900 (-) Land $20,900 Building $26,000	$46,900 (-) Land $20,900 Building $26,000
2025	$10,938.00 (+4.34%)	$46,900 Land $20,900 Building $26,000	$46,900 Land $20,900 Building $26,000
2024	$10,483.00
2023		$46,900 Land $20,900 Building $26,000	$46,900 Land $20,900 Building $26,000
2022	$9,809.00

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 121 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 121 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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