Bergen County and Closter Borough property record for 49 Union St, Closter, NJ 07624
| Property Type | Single Family Home |
|---|---|
| Details | 1,516 sqft · built 1959 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Company Name on File |
| Last Sale | $650,000 (Oct 2025) |
| Tax Bill | $12,227 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Oct 2025 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-00205-0000-00008 |
| Primary APN | 07-00205-0000-00008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,516 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Stucco |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Account Number | 068190 |
|---|---|
| Street Address | 49 UNION ST |
| City | CLOSTER |
| State | NJ |
| Zip | 07624-1630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DISTRICTN |
| Legal Description | L25-27 100X100 |
| Legal Block | 205 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | CLOSTER |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 7001 |
49 Union St is owned by a company that bought it in October 2025.
Source: Bergen County and Closter Borough records, as of July 15, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 12-23 FAIRCLOUGH PL, FAIR LAWN, NJ 07410-2206 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MANUEL ORLANDO FERRO |
| Oct 15, 2025 | Deed of Trust, Mortgage · Construction Mortgage TVC FUNDING I LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2025 · Amount on File |
| Deed Sale | Oct 15, 2025 · Amount on File |
| Deed Document Number | 202570076 |
| Deed Book / Page | 5621 / 208 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 49 UNION ST, CLOSTER, NJ 07624-1630 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 12-23 FAIRCIOUGH PLACE, FAIR LAWN, NJ 07410-2206 |
| Document Number | 0056590710 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 5659/710 |
| Instrument | 2025081581 |
| Name | MANUEL ORLANDO FERRO |
|---|---|
| Type | Private Party |
| Address | 180 LAFAYETTE AVE APT 9A, PASSAIC, NJ 07055 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Nov 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 49 UNION ST, CLOSTER, NJ 07624-1630 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 12-23 FAIRCIOUGH PLACE, FAIR LAWN, NJ 07410-2206 |
| Document Number | 0056210213 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 5621/213 |
| Instrument | 2025070077 |
| Name | TVC FUNDING I LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BETHESDA, MD 20814 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 17 Months |
| Due | Mar 1, 2027 |
The 2025 property tax bill for 49 Union St was $12,227, up 4.4% 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 | $668,500 (+13.29%) Land $520,000 Building $148,500 | $668,500 (+13.29%) Land $520,000 Building $148,500 | |
| 2025 | $12,227.00 (+4.36%) Veteran's exemption | $590,100 Land $462,500 Building $127,600 | $590,100 Land $462,500 Building $127,600 |
| 2024 | $11,716.00 | ||
| 2023 | $480,500 Land $362,500 Building $118,000 | $480,500 Land $362,500 Building $118,000 | |
| 2022 | $9,646.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 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 49 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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