Union County and Union Township property record for 445 David Ter, Union, NJ 07083
| Property Type | Single Family Home |
|---|---|
| Details | 1,850 sqft · built 1970 |
| Lot Size | 0.16 acres (6,987 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Dec 2022) |
| Tax Bill | $11,988 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-02718-0000-00010 |
| Primary APN | 19-02718-0000-00010 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,850 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Frame |
| Lot Area | 6,987 sqft (0.16 acres) |
| Lot Dimensions | 100 ft deep x 87 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 445 DAVID TER |
|---|---|
| City | UNION |
| State | NJ |
| Zip | 07083-7326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | FLOYDS VILLAGE 15-B |
| Legal Block | 2718 |
| Legal Lot Number | 10 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 33200 |
Source: Union County and Union Township assessment roll, APN 19-02718-0000-00010, as of July 8, 2026 · Last verified July 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 | 445 DAVID TER, UNION, NJ 07083-7326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Sep 07, 2021 | Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 01, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 15, 2022 · Amount on Record |
| Deed Sale | Dec 15, 2022 · Amount on Record |
| Prior Sale | Sep 07, 2021 · Amount on Record |
| Deed Document Number | 202225165 |
| Deed Book / Page | 6492 / 2953 |
| Prior Transfer Date | Mar 23, 2021 |
| Prior Transfer Doc | 0064070391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Dec 15, 2022 |
| Property Address | 445 DAVID TER, UNION, NJ 07083-7326 |
| Document Number | 0064922953 |
| Book / Page | 6492 / 2953 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 25165 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2022 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,935.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1766 WALKER AVED, UNION, NJ 07083 |
| Name | Verified Name |
|---|---|
| Address | 445 DAVID TER, UNION, NJ 07083-7326 |
| Document Number | 0000046730 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 46730 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Sep 07, 2021 |
| Property Address | 445 DAVID TER, UNION, NJ 07083-7326 |
| Document Number | 0064282989 |
| Book / Page | 6428 / 2989 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 8996 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | TITLE GUARANTEE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,839.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 HALF MOON CIR # CIRG1, 106, HYPOLUXO, FL 33462-5488 |
| Name | Verified Name |
|---|---|
| Address | 445 DAVID TER, UNION, NJ 07083-7326 |
| Document Number | 0150512001 |
|---|---|
| Date | Sep 07, 2021 |
| Book Page | 15051/2001 |
| Instrument | 20325 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Apr 01, 2021 |
| Property Address | 445 DAVID TER, UNION, NJ 07083-7326 |
| Document Number | 0064070391 |
| Book / Page | 6407 / 391 |
| Instrument Date | Mar 23, 2021 |
| Instrument | 3209 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 DAVID TER, UNION, NJ 07083-7326 |
Source: Union County and Union Township assessment roll as of July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Union Township |
| Unified School District | Union Township School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,400 (-) Land $21,900 Building $29,500 | $51,400 (-) Land $21,900 Building $29,500 | |
| 2025 | $11,988.00 (+4.35%) | $51,400 (-) Land $21,900 Building $29,500 | $51,400 (-) Land $21,900 Building $29,500 |
| 2024 | $11,488.00 (+6.87%) | ||
| 2023 | $51,400 Land $21,900 Building $29,500 | $51,400 Land $21,900 Building $29,500 | |
| 2022 | $10,750.00 |
Source: FEMA National Flood Hazard Layer, Union County (34039C), as of September 24, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340390332003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 8 (2003–2021) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, 295 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
May also be available: AT&T, T-Mobile USA.
Source: EPA Safe Drinking Water Information System, water system NJ2004002, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - RARITAN private · serves 615,430 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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