128 White Oak Ter, Belleville, NJ 07109 Property Records

Essex County and Belleville Township property record for 128 White Oak Ter, Belleville, NJ 07109

Property Summary

Property Type	Single Family Home
Details	1,313 sqft · built 1942
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$589,000 (Sep 2026)
Tax Bill	$11,773 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-07302-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`01-07302-0000-00011`
Alternative APNs	`010030900021` `00004075`

Interior

Stories	2 Stories
Building Area	1,313 sqft Living Area

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	00004075
Street Address	128 WHITE OAK TER
City	BELLEVILLE
State	NJ
Zip	07109-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50X150
Legal Block	7302
Legal Lot Number	11
Jurisdiction	ESSEX NJ
Township / Civil Division	BELLEVILLE
Census Block Group	1
Census Block	1002
Census Tract	14300

Owner

128 White Oak Ter is owned and occupied by two individuals who bought it in September 2026.

Source: Essex County and Belleville Township records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	128 WHITE OAK TER, BELLEVILLE, NJ 07109-2834
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Sep 3, 2026	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Mar 19, 2020	Deed of Trust, Mortgage · Conventional with PMI SIERRA PACIFIC MTG
Jul 6, 2017	Grant Deed, Transfer · FHA Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Jul 6, 2017 · Amount on File
Deed Document Number	202658630
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 3, 2026
Property Address	128 WHITE OAK TER, BELLEVILLE, NJ 07109-2834
Document Number	0000058630
Instrument Date	Aug 21, 2026
Instrument	202658630
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	RELIANT TITLE AGENCY LLC, RELIANT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,489.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 WHITE OAK TER, BELLEVILLE, NJ 07109-2834

Mortgage

Document Number	0000058631,
Date	Sep 3, 2026
Instrument	202658631

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	128 WHITE OAK TER, BELLEVILLE, NJ 07109-2834
Document Number	0000034013
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 WHITE OAK TER BELLEVILLE NJ 071092834, BELLEVILLE, NJ 07109-2834

Mortgage

Document Number	0000034013
Date	Apr 2, 2020
Instrument	34013

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 6, 2017
Property Address	128 WHITE OAK TER, BELLEVILLE, NJ 07109-2834
Document Number	0000058144
Instrument Date	Jun 19, 2017
Instrument	58144
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ADVENT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 WHITE OAK TER BELLEVILLE NJ 071092834, BELLEVILLE, NJ 07109-2834

Mortgage

Document Number	58148
Date	Jul 6, 2017
Instrument	58148

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 128 White Oak Ter was $11,773, up 3.1% from the year before.

Source: Essex County and Belleville Township assessment roll, as of July 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$283,200 (-) Land $161,000 Building $122,200	$283,200 (-) Land $161,000 Building $122,200
2025	$11,773.00 (+3.08%)	$283,200 Land $161,000 Building $122,200	$283,200 Land $161,000 Building $122,200
2024	$11,421.00
2023		$283,200 Land $161,000 Building $122,200	$283,200 Land $161,000 Building $122,200
2022	$10,906.00

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 128 White Oak Ter in Zone X, an area of minimal flood risk, though there have been 3 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	3 (1979–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 128 White Oak 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	BELLEVILLE WATER DEPT serves 35,129 people · EPA ID NJ0701001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Haloacetic acids resolved · Oct 2019 Total trihalomethanes resolved · Jul 2019 Treatment failure resolved · Oct 2016
Treatment and Procedure	Lead service line replacement currently in violation since Jul 2021 Corrosion control Jan 2023 Coliform corrective action Jan 2020
Monitoring and Reporting	19 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 721 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: Optimum.

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