Union County and Union Township property record for 481 Thoreau Ter, Union, NJ 07083
| Property Type | Single Family Home |
|---|---|
| Details | 1,767 sqft · built 1939 |
| Lot Size | 0.126 acres (5,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Oct 2021) |
| Tax Bill | $11,335 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Oct 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-02510-0000-00006 |
| Primary APN | 19-02510-0000-00006 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,767 sqft Living Area |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Cape Cod |
| Construction Type | Frame |
| Lot Area | 5,502 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 481 THOREAU TER |
|---|---|
| City | UNION |
| State | NJ |
| Zip | 07083-7829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2510 |
| Legal Lot Number | 6 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 33300 |
481 Thoreau Ter is owned and occupied by an individual who bought it in October 2021.
Source: Union County and Union Township records, as of July 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 481 THOREAU TER, UNION, NJ 07083-7829 |
| 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 |
|---|---|
| May 10, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Oct 15, 2021 | Correction Deed FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on File |
| Deed Sale | Oct 15, 2021 · Amount on File |
| Prior Sale | May 10, 2021 · Amount on File |
| Deed Document Number | 202110510 |
| Deed Book / Page | 6435 / 2022 |
| Prior Transfer Date | Apr 23, 2021 |
| Prior Transfer Doc | 0064352022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | May 10, 2021 |
| Property Address | 481 THOREAU TER, UNION, NJ 07083-7829 |
| Document Number | 0064122273 |
| Book / Page | 6412 / 2273 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 4502 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | GOOD TO BE HOME TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2410 SENECA RD, 2410, SCOTCH PLAINS, NJ 07076-4534 |
| Name | Verified Name |
|---|---|
| Address | 481 THOREAU TER, UNION, NJ 07083-7829 |
| Document Number | 0149572579 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 14957/2579 |
| Instrument | 11534 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Oct 15, 2021 |
| Property Address | 481 THOREAU TER, UNION, NJ 07083-7829 |
| Document Number | 0064352022 |
| Book / Page | 6435 / 2022 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 10510 |
| Record Updated | Nov 2, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 2410 SENECA RD, 2410, SCOTCH PLAINS, NJ 07076-4534 |
| Name | Verified Name |
|---|---|
| Address | 481 THOREAU TER, UNION, NJ 07083-7829 |
The 2025 property tax bill for 481 Thoreau Ter was $11,335, up 4.4% from the year before.
Source: Union County and Union Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Union Township |
| Unified School District | Union Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,600 (-) Land $20,300 Building $28,300 | $48,600 (-) Land $20,300 Building $28,300 | |
| 2025 | $11,335.00 (+4.35%) | $48,600 Land $20,300 Building $28,300 | $48,600 Land $20,300 Building $28,300 |
| 2024 | $10,862.00 | ||
| 2023 | $48,600 Land $20,300 Building $28,300 | $48,600 Land $20,300 Building $28,300 | |
| 2022 | $10,165.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 481 Thoreau Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.
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 Claims | 2 (1981–1982) |
| Most Recent Claim | Jan 1982 · tidal / storm surge |
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 481 Thoreau Ter 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 779 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 Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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