985 Union Ter, Union, NJ 07083 Property Records

Union County and Union Township property record for 985 Union Ter, Union, NJ 07083

Property Summary

Property Type	Single Family Home
Details	1,111 sqft · built 1920
Lot Size	0.034 acres (1,469 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 2018)
Tax Bill	$8,420 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-02901-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`19-02901-0000-00003`
Alternative APN	`190290100003`

Interior

Stories	2 Stories
Building Area	1,111 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	1,469 sqft (0.034 acres)
Lot Dimensions	113 ft deep x 3 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	985 UNION TER
City	UNION
State	NJ
Zip	07083-6931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2901
Legal Lot Number	3
Jurisdiction	UNION NJ
Township / Civil Division	UNION
Census Block Group	1
Census Block	1000
Census Tract	33000

Owner

985 Union Ter is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	985 UNION TER, UNION, NJ 07083-6931
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
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 27, 2018	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Prior Sale	Jan 4, 1995 · Amount on File
Deed Document Number	2018307240
Deed Book / Page	6297 / 674
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	985 UNION TER, UNION, NJ 07083-6931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSIGHT TITLE SERVICEES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147302017
Date	Jul 17, 2020
Book Page	14730/2017
Instrument	695027

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Nov 27, 2018
Property Address	985 UNION TER, UNION, NJ 07083-6931
Document Number	0062970674
Book / Page	006297 / 000674
Instrument Date	Nov 16, 2018
Instrument	307240
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ELITE TITLE GROUP LLC, ELITE TITLE GRP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	985 UNION TER UNION NJ 070836931, UNION, NJ 07083-6931

Mortgage

Document Number	145100297
Date	Nov 27, 2018
Book Page	014510/000297
Instrument	665751

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 985 Union Ter was $8,420, 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		$36,600 (+1.39%) Land $14,800 Building $21,800	$36,600 (+1.39%) Land $14,800 Building $21,800
2025	$8,420.00 (+4.36%)	$36,100 Land $14,800 Building $21,300	$36,100 Land $14,800 Building $21,300
2024	$8,068.00
2023		$36,100 Land $14,800 Building $21,300	$36,100 Land $14,800 Building $21,300
2022	$7,550.00

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 985 Union Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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
Nearby Flood Claims	4 (1979–2007)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2007 · 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.

Wildfire

The area around 985 Union Ter 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 495 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

May also be available: T-Mobile.

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