415 Union Ave, Rutherford, NJ 07070 Property Records

Bergen County and Rutherford Borough property record for 415 Union Ave, Rutherford, NJ 07070

Property Summary

Property Type	Single Family Home
Details	1,600 sqft · built 1948
Lot Size	0.092 acres (3,999 sqft)
Owner	Individual Name on File
Last Sale	$552,000 (Mar 2023)
Tax Bill	$14,035 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56-00182-0000-00008-02`

Property Details

APN / Parcel Number

Primary APN	`56-00182-0000-00008-02`
Alternative APNs	`56001820000000080002` `5600182000000008B`

Interior

Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Brick
Construction Type	Brick
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide

Location & Zoning

Old Parcel Number	5600182000000008B
Street Address	415 UNION AVE
City	RUTHERFORD
State	NJ
Zip	07070-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	40X100
Legal Block	182
Legal Lot Number	8.2
Jurisdiction	BERGEN NJ
Township / Civil Division	RUTHERFORD
Census Block Group	6
Census Block	6002
Census Tract	51100

Owner

Source: Bergen County and Rutherford Borough assessment roll, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	415 UNION AVE, RUTHERFORD, NJ 07070-1416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Sep 26, 2022	Deed, Transfer · Stand-Alone First Mortgage LUIS AGUDO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 22, 2023 · Amount on Record
Deed Sale	Mar 22, 2023 · Amount on Record
Prior Sale	Sep 26, 2022 · Amount on Record
Deed Document Number	202320322
Deed Book / Page	4956 / 1040
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 22, 2023
Property Address	415 UNION AVE, RUTHERFORD, NJ 07070-1416
Document Number	0049561040
Book / Page	4956 / 1040
Instrument Date	Mar 17, 2023
Instrument	2023020322
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	EVERGREEN LAND TITLE SERVICES INC, EVERGREEN LAND TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,676.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 HILLSIDE AVE, TEANECK, NJ 07666-4060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 UNION AVE, RUTHERFORD, NJ 07070-1416

Mortgage

Document Number	2023020323
Date	Mar 22, 2023
Instrument	2023020323

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 26, 2022
Property Address	415 UNION AVE, RUTHERFORD, NJ 07070-1416
Document Number	0048171390
Book / Page	4817 / 1390
Instrument Date	Aug 23, 2022
Instrument	2022094177
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,793.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	76 MELROSE AVE, 76, NORTH ARLINGTON, NJ 07031-5918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 UNION AVE, RUTHERFORD, NJ 07070-1416

Mortgage

Document Number	2022094178
Date	Sep 26, 2022
Instrument	2022094178

Lender

Name	LUIS AGUDO
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 25, 2052

Interest

Rate	12%

Tax Assessment & Valuation

Source: Bergen County and Rutherford Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Rutherford Borough
Unified School District	Rutherford Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$438,600 (-) Land $232,200 Building $206,400	$438,600 (-) Land $232,200 Building $206,400
2025	$14,035.00 (+5.24%)	$438,600 (+2.64%) Land $232,200 Building $206,400	$438,600 (+2.64%) Land $232,200 Building $206,400
2024	$13,336.00 (+5.12%)
2023		$427,300 Land $232,200 Building $195,100	$427,300 Land $232,200 Building $195,100
2022	$12,686.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · 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 Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	15 (2007–2021)
Claims Outside the SFHA	15 of 15
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 10 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 4 claims

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Jan 2021
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 700 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
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum Communications.

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