187 Rutgers Ave, Berkeley Heights, NJ 07922 Property Records

Union County and Berkeley Heights Township property record for 187 Rutgers Ave, Berkeley Heights, NJ 07922

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1957
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Dec 2000)
Tax Bill	$13,278 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-01703-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`01-01703-0000-00002`
Alternative APN	`010170300002`

Interior

Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Stucco
Lot Area	19,994 sqft (0.459 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	187 RUTGERS AVE
City	BERKELEY HEIGHTS
State	NJ
Zip	07922-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	BERKELEY HEIGHTS PARK MAP 01
Legal Block	1703
Legal Lot Number	2
Jurisdiction	UNION NJ
Township / Civil Division	BERKELEY HEIGHTS
Census Block Group	1
Census Block	1011
Census Tract	38202

Owner

187 Rutgers Ave is owned and occupied by two individuals who bought it in December 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	187 RUTGERS AVE, BERKELEY HEIGHTS, NJ 07922-1938
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
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARBERONE MORTGAGE LLC
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2000 · Amount on File
Deed Sale	Dec 6, 2000 · Amount on File
Deed Document Number	200088610
Deed Book / Page	5057 / 262
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	187 RUTGERS AVE, BERKELEY HEIGHTS, NJ 07922-1938
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146872817
Date	Apr 30, 2020
Book Page	14687/2817
Instrument	690749

Lender

Name	HARBERONE MORTGAGE LLC
Type	Non-Lending Institution
Address	MANCHESTER, NH 03101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	187 RUTGERS AVE, BERKELEY HEIGHTS, NJ 07922-1938
Document Number	0143740449
Book / Page	014374 / 000449
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 RUTGERS AVE BERKELEY HEIGHTS NJ 079221938, BERKELEY HEIGHTS, NJ 07922-1938

Mortgage

Document Number	0143740449
Date	Dec 5, 2017
Book Page	014374/000449
Instrument	650242

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 187 Rutgers Ave was $13,278, up 2.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$301,700 (-) Land $157,500 Building $144,200	$301,700 (-) Land $157,500 Building $144,200
2025	$13,278.00 (+2.67%)	$301,700 Land $157,500 Building $144,200	$301,700 Land $157,500 Building $144,200
2024	$12,933.00
2023		$301,700 Land $157,500 Building $144,200	$301,700 Land $157,500 Building $144,200
2022	$12,668.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 187 Rutgers Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	4 (1996–2025)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jul 2025 · 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

Wildfire risk around 187 Rutgers Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	3 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	1 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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