413 Bergen St, Union, NJ 07083 Property Records

Union County and Union Township property record for 413 Bergen St, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	1,708 sqft · built 1951
Lot Size	0.166 acres (7,240 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Sep 2020)
Tax Bill	$11,568 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-01010-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`19-01010-0000-00001`
Alternative APN	`190101000001`

Interior

Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,708 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	7,240 sqft (0.166 acres)
Lot Dimensions	135 ft deep x 62 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	413 BERGEN ST
City	UNION
State	NJ
Zip	07083-8208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TOWNSHIP/UNION
Legal Block	1010
Legal Lot Number	1
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	4
Census Block	4004
Census Tract	33400

Owner

Source: Union County and Union Township records, as of October 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	413 BERGEN ST, UNION, NJ 07083-8208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 4, 2020	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	2020327697
Deed Book / Page	6380 / 2757
Prior Transfer Date	Jan 13, 1999
Prior Transfer Doc	0000064030
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Recording Date	Sep 22, 2026
Property Address	413 BERGEN ST, UNION, NJ 07083-8208
Document Number	0000097531
Book / Page	15860 / 2441
Instrument Date	Sep 16, 2026
Instrument	202697531
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 BERGEN ST, UNION, NJ 07083-8208

Mortgage

Document Number	0000097531,
Date	Sep 22, 2026
Book Page	15860/2441
Instrument	202697531

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 8, 2046

Interest

Max Rate	-1%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Sep 4, 2020
Property Address	413 BERGEN ST, UNION, NJ 07083-8208
Document Number	0063802757
Book / Page	6380 / 2757
Instrument Date	Sep 2, 2020
Instrument	327697
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	DEKEL ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,023.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 GALWAY DR, 24, HAZLET, NJ 07730-1157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 BERGEN ST, UNION, NJ 07083-8208

Mortgage

Document Number	698159
Date	Sep 4, 2020
Instrument	698159

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$49,600 (-) Land $20,900 Building $28,700	$49,600 (-) Land $20,900 Building $28,700
2025	$11,568.00 (+4.35%)	$49,600 (-) Land $20,900 Building $28,700	$49,600 (-) Land $20,900 Building $28,700
2024	$11,086.00 (+6.86%)
2023		$49,600 Land $20,900 Building $28,700	$49,600 Land $20,900 Building $28,700
2022	$10,374.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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