642 Winchester Ave, Union, NJ 07083 Property Records

Union County and Union Township property record for 642 Winchester Ave, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	1,672 sqft · built 1956
Lot Size	0.157 acres (6,826 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Sep 2021)
Tax Bill	$12,338 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-01104-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`19-01104-0000-00005`
Alternative APN	`190110400005`

Interior

Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,672 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	6,826 sqft (0.157 acres)
Lot Dimensions	105 ft deep x 65 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	642 WINCHESTER AVE
City	UNION
State	NJ
Zip	07083-7628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SPRING GARDENS SEC 2
Legal Block	1104
Legal Lot Number	5
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	3
Census Block	3007
Census Tract	33501

Owner

642 Winchester Ave is owned and occupied by an individual who bought it in September 2021.

Source: Union County and Union Township records, as of July 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	642 WINCHESTER AVE, UNION, NJ 07083-7628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2021 · Amount on File
Deed Sale	Sep 27, 2021 · Amount on File
Deed Document Number	20219776
Deed Book / Page	6432 / 103
Record Updated	Oct 29, 2026

September 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	UNION NJ
Recording Date	Sep 27, 2021
Property Address	642 WINCHESTER AVE, UNION, NJ 07083-7628
Document Number	0064320103
Book / Page	6432 / 103
Instrument Date	Aug 23, 2021
Instrument	9776
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,791.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 LAKE RD, 245, BRICK, NJ 08724-3454

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	642 WINCHESTER AVE, UNION, NJ 07083-7628

Mortgage

Document Number	21726
Date	Sep 27, 2021
Instrument	21726

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 642 Winchester Ave was $12,338, up 4.4% from the year before.

Source: Union County and Union Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Union Township
Unified School District	Union Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,700 (+3.4%) Land $21,700 Building $33,000	$54,700 (+3.4%) Land $21,700 Building $33,000
2025	$12,338.00 (+4.36%)	$52,900 Land $21,700 Building $31,200	$52,900 Land $21,700 Building $31,200
2024	$11,823.00
2023		$52,900 Land $21,700 Building $31,200	$52,900 Land $21,700 Building $31,200
2022	$11,064.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 642 Winchester Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2021.

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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	4 (2021)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 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 642 Winchester 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 719 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