409 Bergen St, Union, NJ 07083 Property Records

Union County and Union Township property record for 409 Bergen St, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	1,134 sqft · built 1952
Lot Size	0.119 acres (5,201 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Feb 2020)
Tax Bill	$10,449 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-01010-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`19-01010-0000-00017`
Alternative APN	`190101000017`

Interior

Stories	1 Story
Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	5,201 sqft (0.119 acres)
Lot Dimensions	100 ft deep x 52 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	409 BERGEN ST
City	UNION
State	NJ
Zip	07083-8208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BUILDING SITES/FAIRVIEW PARK
Legal Block	1010
Legal Lot Number	17
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	4
Census Block	4004
Census Tract	33400

Owner

409 Bergen St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	409 BERGEN ST, UNION, NJ 07083-8208
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
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEAPACK GLADSTONE BANK
Feb 18, 2020	Deed, Transfer · Conventional Mortgage PEAPACK GLADSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2020 · Amount on File
Deed Sale	Feb 18, 2020 · Amount on File
Deed Document Number	2020322261
Deed Book / Page	6360 / 388
Prior Transfer Date	Mar 10, 2001
Prior Transfer Doc	0051000294
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	409 BERGEN ST, UNION, NJ 07083-8208
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 BERGEN ST, UNION, NJ 07083-8208

Mortgage

Document Number	0154532738
Date	Jan 12, 2024
Book Page	15453/2738
Instrument	60203

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	409 BERGEN ST, UNION, NJ 07083-8208
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149840080
Date	Jun 9, 2021
Book Page	14984/80
Instrument	14046

Lender

Name	PEAPACK GLADSTONE BANK
Type	Bank
Address	BEDMINSTER, NJ 07921

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Feb 18, 2020
Property Address	409 BERGEN ST, UNION, NJ 07083-8208
Document Number	0063600388
Book / Page	6360 / 388
Instrument Date	Feb 10, 2020
Instrument	322261
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 ROSETTA PL, 433, UNION, NJ 07083-8210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 BERGEN ST, UNION, NJ 07083-8208

Mortgage

Document Number	687069
Date	Feb 18, 2020
Instrument	687069

Lender

Name	PEAPACK GLADSTONE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 409 Bergen St was $10,449, up 4.4% 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		$44,800 (-) Land $20,300 Building $24,500	$44,800 (-) Land $20,300 Building $24,500
2025	$10,449.00 (+4.35%)	$44,800 Land $20,300 Building $24,500	$44,800 Land $20,300 Building $24,500
2024	$10,013.00
2023		$44,800 Land $20,300 Building $24,500	$44,800 Land $20,300 Building $24,500
2022	$9,370.00

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 409 Bergen St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	1 (2021)
Claims Outside the SFHA	1 of 1
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 409 Bergen St 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 542 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

May also be available: T-Mobile.

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