Bergen County and Closter Borough property record for 43 Union St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 1,129 sqft · built 1957 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Aug 2019) |
| Tax Bill | $12,469 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-00205-0000-00009 |
| Primary APN | 07-00205-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,129 sqft Living Area |
| 1st Floor Area | 1,129 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Construction Type | Frame |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Account Number | 068200 |
|---|---|
| Street Address | 43 UNION ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-1630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | 0.17 AC |
| Legal Subdivision | PROPERTY BELONG TO A E ZUCCARO |
| Legal Block | 205 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 7001 |
43 Union St is owned and occupied by two individuals who bought it in August 2019.
Source: Bergen County and Closter Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 UNION ST, CLOSTER, NJ 07624-1630 |
| 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.
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 16, 2020 | Deed of Trust, Mortgage · Line of Credit VISIONS FCU |
| Aug 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU |
| Aug 6, 2019 | Grant Deed, Transfer GARRET MOUNTAIN TITLE, GARRET MTN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2019 · Amount on File |
| Deed Sale | Aug 6, 2019 · Amount on File |
| Deed Document Number | 201951137 |
| Deed Book / Page | 3315 / 316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 43 UNION ST, CLOSTER, NJ 07624-1630 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0043260229 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 4326/229 |
| Instrument | 2021129851 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 43 UNION ST, CLOSTER, NJ 07624-1630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 43 UNION ST, CLOSTER, NJ 07624-1630 |
| Document Number | 0036241137 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 3624/1137 |
| Instrument | 20-058561 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 43 UNION ST, CLOSTER, NJ 07624-1630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0033321342 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 3332/1342 |
| Instrument | 19-056063 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 6, 2019 |
| Property Address | 43 UNION ST, CLOSTER, NJ 07624-1630 |
| Document Number | 0033150316 |
| Book / Page | 003315 / 000316 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 51137 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2019 |
| Title Company | GARRET MOUNTAIN TITLE, GARRET MTN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $410.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43 UNION ST CLOSTER NJ 07624, CLOSTER, NJ 07624 |
The 2025 property tax bill for 43 Union St was $12,469, up 4.6% from the year before.
Source: Bergen County and Closter Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Closter Borough |
| Elementary School District | Closter Borough School District (KG - 08) |
| Secondary School District | Northern Valley Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $677,000 (+12.5%) Land $480,000 Building $197,000 | $677,000 (+12.5%) Land $480,000 Building $197,000 | |
| 2025 | $12,469.00 (+4.61%) | $601,800 Land $432,500 Building $169,300 | $601,800 Land $432,500 Building $169,300 |
| 2024 | $11,919.00 | ||
| 2023 | $498,600 Land $337,500 Building $161,100 | $498,600 Land $337,500 Building $161,100 | |
| 2022 | $10,336.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Union St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1999.
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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (1999–2025) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Aug 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.
The area around 43 Union 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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