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656 Garden St, Union, NJ 07083 Property Records

Union County and Union Township property record for 656 Garden St, Union, NJ 07083

Property Summary

Property TypeSingle Family Home
Details2,045 sqft · built 1960
Lot Size0.131 acres (5,711 sqft)
OwnerIndividual Name on Record
Last Sale$685,000 (Jan 2026)
Tax Bill$13,271 (2025)
Deeds & MortgagesJan 2026 Sale & Mortgage
Sep 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN19-03709-0000-00001

Property Details

APN / Parcel Number

Primary APN19-03709-0000-00001
Alternative APN
  • 190370900001

Interior

Stories1 Story
Building Area2,045 sqft Living Area
1st Floor Area2,045 sqft

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleCape Cod
Construction TypeFrame
Lot Area5,711 sqft (0.131 acres)
Lot Dimensions70 ft deep x 59 ft wide
Parking Spaces1 Parking Space

Location & Zoning

Street Address656 GARDEN ST
CityUNION
StateNJ
Zip07083-6622
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block3709
Legal Lot Number1
JurisdictionUNION NJ
Township / Civil DivisionUNION
Census Block Group2
Census Block2017
Census Tract32902

Owner

Source: Union County and Union Township records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address656 GARDEN ST, UNION, NJ 07083-6622
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2026Deed, Transfer · Conventional Mortgage
VALLEY NATIONAL BANK NA
Sep 8, 2022Deed, Transfer · Conventional Mortgage
FIRST ALLIANCE HOME MORTGAGE LLC
Oct 12, 2021Intrafamily Transfer, Transfer
Oct 16, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 12, 2026 · Amount on Record
Deed SaleJan 12, 2026 · Amount on Record
Prior SaleSep 8, 2022 · Amount on Record
Deed Document Number202652142
Deed Book / Page6607 / 2367
Prior Transfer DateOct 16, 2005
Prior Transfer Doc0055450952
Record UpdatedOct 29, 2026

January 2026: Deed, Transfer

Document TypeDeed
JurisdictionUNION NJ
Recording DateJan 12, 2026
Property Address656 GARDEN ST, UNION, NJ 07083-6622
Document Number0066072367
Book / Page6607 / 2367
Instrument DateDec 30, 2025
Instrument52142
Transaction TypeTransfer
Record UpdatedJan 29, 2026
Title CompanyATS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,086.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15 AVALON WAY, UNION, NJ 07083-2501

Transferred To (Grantee/Buyer)

NameVerified Name
Address656 GARDEN ST, UNION, NJ 07083-6622

Mortgage

Document Number0000087401
DateJan 12, 2026
Instrument87401
Lender
NameVALLEY NATIONAL BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2056

September 2022: Deed, Transfer

Document TypeDeed
JurisdictionUNION NJ
Recording DateSep 8, 2022
Property Address656 GARDEN ST, UNION, NJ 07083-6622
Document Number0064802453
Book / Page6480 / 2453
Instrument DateJun 12, 2022
Instrument22126
Transaction TypeTransfer
Record UpdatedSep 26, 2022
Title CompanyREPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,715.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address121 LAKESIDE AVE, 121, AVON BY THE SEA, NJ 07717-1329

Transferred To (Grantee/Buyer)

NameVerified Name
Address656 GARDEN ST, UNION, NJ 07083-6622
InvestorPossibly a Property Investor

Mortgage

Document Number0000042722
DateSep 8, 2022
Instrument42722
Lender
NameFIRST ALLIANCE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term358 Months
DueJul 1, 2052

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionUNION NJ
Recording DateOct 12, 2021
Property Address656 GARDEN ST, UNION, NJ 07083-6622
Document Number0064340030
Book / Page6434 / 30
Instrument DateSep 30, 2021
Instrument10297
Transaction TypeTransfer
Record UpdatedOct 25, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address656 GARDEN ST, 656, UNION, NJ 07083-6622

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address121 LAKESIDE AVE, AVON BY THE SEA, NJ 07717-1329

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionUNION NJ
Recording DateOct 16, 2017
Property Address656 GARDEN ST, UNION, NJ 07083-6622
Document Number0062220147
Book / Page006222 / 000147
Instrument DateSep 19, 2017
Instrument292437
Transaction TypeTransfer
Record UpdatedNov 23, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address121 LAKESIDE AVE AVON BY THE SEA NJ 077171329, AVON BY THE SEA, NJ 07717-1329

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyUnion County
County SubdivisionUnion Township
Unified School DistrictUnion Township School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$56,900 (-) Land $20,100 Building $36,800$56,900 (-) Land $20,100 Building $36,800
2025$13,271.00 (+4.35%)$56,900 (-) Land $20,100 Building $36,800$56,900 (-) Land $20,100 Building $36,800
2024$12,718.00 (+6.86%)
2023$56,900 Land $20,100 Building $36,800$56,900 Land $20,100 Building $36,800
2022$11,901.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims5 (1981–1999)
Claims Outside the SFHA5 of 5
Most Recent ClaimSep 1999 · Hurricane Floyd Major Disaster Declarations

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemNJ AMERICAN WATER - RARITAN
private · serves 615,430 people · EPA ID NJ2004002
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 686 locations within half a mile, as of December 31, 2025

ProviderMax 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

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