643 Elm St, Roselle, NJ 07203 Property Records

Union County and Roselle Borough property record for 643 Elm St, Roselle, NJ 07203

Property Summary

Property Type	Single Family Home
Details	1,017 sqft · built 1951
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Aug 2021)
Tax Bill	$9,147 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-00505-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`14-00505-0000-00015`
Alternative APNs	`140050500015` `1840`

Interior

Stories	1 Story
Building Area	1,017 sqft Living Area
1st Floor Area	1,017 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Account Number	1840
Street Address	643 ELM ST
City	ROSELLE
State	NJ
Zip	07203-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	ADDITIONAL LOTS: DEED 8375.
Legal Subdivision	ROSELLE MANOR
Legal Block	505
Legal Lot Number	15
Jurisdiction	UNION NJ
Township / Civil Division	ROSELLE
Census Block Group	1
Census Block	1002
Census Tract	34100

Owner

643 Elm St is owned and occupied by two individuals who bought it in August 2021.

Source: Union County and Roselle Borough records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	643 ELM ST, ROSELLE, NJ 07203-1548
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Sep 30, 2013 · Amount on File
Deed Document Number	20218375
Deed Book / Page	6426 / 2490
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Aug 19, 2021
Property Address	643 ELM ST, ROSELLE, NJ 07203-1548
Document Number	0064262490
Book / Page	6426 / 2490
Instrument Date	Aug 6, 2021
Instrument	8375
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	VINTAGE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 MAPLE AVE, LINDEN, NJ 07036-2826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 ELM ST, ROSELLE, NJ 07203-1548

Mortgage

Document Number	0000019098
Date	Aug 19, 2021
Instrument	19098

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 643 Elm St was $9,147, up 5.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Roselle Borough
Unified School District	Roselle Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,000 (-) Land $60,000 Building $40,000	$100,000 (-) Land $60,000 Building $40,000
2025	$9,147.00 (+5.2%)	$100,000 Land $60,000 Building $40,000	$100,000 Land $60,000 Building $40,000
2024	$8,695.00
2023		$100,000 (-) Land $60,000 Building $40,000	$100,000 (-) Land $60,000 Building $40,000
2022	$8,536.00	$100,000 Land $60,000 Building $40,000	$100,000 Land $60,000 Building $40,000

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 643 Elm St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1987.

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 17 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	125 units insured incl. 108 condo units
Nearby Flood Claims	20 (1987–2021)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 3 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 643 Elm 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.

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 352 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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