494 Union Ave, Rutherford, NJ 07070 Property Records

Bergen County and Rutherford Borough property record for 494 Union Ave, Rutherford, NJ 07070

Property Summary

Property Type	Single Family Home
Details	2,432 sqft · built 1932
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Individual Names on File
Last Sale	$217,500 (Jun 1995)
Tax Bill	$14,006 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`56-00211-01-00037`

Property Details

APN / Parcel Number

Primary APN	`56-00211-01-00037`
Alternative APNs	`5600211000100037` `5600211A00037`

Interior

Stories	2 Stories
Building Area	2,432 sqft Living Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Frame
Construction Type	Frame
Lot Area	10,367 sqft (0.238 acres)

Location & Zoning

Old Parcel Number	5600211A00037
Street Address	494 UNION AVE
City	RUTHERFORD
State	NJ
Zip	07070-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.238
Legal Subdivision	BROADWAY DEV CORPORATI
Legal Block	211
Legal Lot Number	37
Jurisdiction	BERGEN NJ
Township / Civil Division	RUTHERFORD
Census Block Group	5
Census Block	5003
Census Tract	51100

Owner

494 Union Ave is owned and occupied by two individuals who bought it in June 1995.

Source: Bergen County and Rutherford Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	494 UNION AVE, RUTHERFORD, NJ 07070-1305
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 1, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 1995 · Amount on File
Deed Sale	Jun 2, 1995 · Amount on File
Deed Book / Page	7792 / 918
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	494 UNION AVE, RUTHERFORD, NJ 07070-1305
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043140201
Date	Aug 5, 2021
Book Page	4314/201
Instrument	2021126098

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	494 UNION AVE, RUTHERFORD, NJ 07070-1305
Document Number	0030661016
Instrument Date	Sep 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 11, 2018
Title Company	ISGN RECORDING DEPT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 UNION AVE RUTHERFORD NJ 070701305, RUTHERFORD, NJ 07070-1305

Mortgage

Document Number	0030661016
Date	Sep 28, 2018
Book Page	003066/001016
Instrument	69244

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 494 Union Ave was $14,006, up 2.5% from the year before.

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		$437,700 (-) Land $227,100 Building $210,600	$437,700 (-) Land $227,100 Building $210,600
2025	$14,006.00 (+2.53%)	$437,700 Land $227,100 Building $210,600	$437,700 Land $227,100 Building $210,600
2024	$13,660.00
2023		$437,700 Land $227,100 Building $210,600	$437,700 Land $227,100 Building $210,600
2022	$12,995.00

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

Flood

FEMA maps place 494 Union Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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	6 (1989–2011)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 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

The area around 494 Union Ave 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.

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 456 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

May also be available: Optimum.

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