Land · New Jersey tax sale guide

Union Township tax lien sale, New Jersey

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This Union Township is the Hunterdon County township, and its sale sits inside its own audit. The township Report of Audit for the year ended December 31, 2019 carries, in its schedule of tax title liens, interest and costs accrued by the tax sale of October 17, 2019, in the audit's own wording, with tax title liens receivable closing that year at $77,646.36. The date on this page rests on that audit line, quoted in its own terms; the audit does not use a held-on form, and none is put in its mouth here. The sale is a little over seven years back and is the latest dated sale found in the township's own sources; the township's current Tax Collector page confirms the living mechanism, the 2026 rate, quarterly due days with a ten day grace period and the same 8 and 18 percent interest steps. That page names no individual, payments being directed to the office alone, so no collector name is carried. Union Township in Union County, a far larger municipality elsewhere in this set, is a different township with its own office, and none of its paper appears here. Hunterdon County has no county page in this set. Its 2020 census population is 6,507 (Census QuickFacts).

Selling office: Union Township Tax Collector, Union Township

Next sale: Thursday, October 17, 2019 (most recent dated sale published). The township audit gives that October day in its own tax sale of wording in the liens schedule, and states no hour, venue or mode for the sale. No collector name is carried, for the reason stated below.

Read the township audit line for this Union Township, and ask the tax office for the next sale day and the collector's name, because the township papers the dated sale in its audit and names no individual on its current page.

Dates and deadlines

The dated sale	Thursday, October 17, 2019, per the township Report of Audit for the year ended December 31, 2019, whose schedule of tax title liens records interest and costs accrued by the tax sale of October 17, 2019, in the audit's own wording. The audit gives no hour, place or form for that sale.
The lien balances	The same schedule opens at $106,707.91 at the end of 2018, adds $6,384.76 transferred from taxes receivable and the $58.38 of interest and costs from the October 2019 sale, and closes at $77,646.36 at December 31, 2019. The township cash schedule shows tax title lien receipts of $35,504.69 in 2019.
The living mechanism	The township Tax Collector page states the 2026 tax rate, quarterly due dates with a ten day grace period, and delinquent interest at 8 percent on the first $1,500 and 18 percent above, with payments payable to the township Tax Collector office.
Next sale	Not published as a specific date beyond the October 2019 sale above. The audit line is the latest own source date found, not a claim that no later sale occurred.
Sale track	Not published. No township document read labels a sale standard or accelerated for this township.
Registration	Not published in the sources read for the 2019 sale.
Deposit	Not published in the sources read.
Bidding and payment	Not published for the 2019 sale in the sources read. The state frame governs a township sale itself, with the rate bid down from 18 percent and premium bidding below 1 percent, as set out below.
Redemption	Through the Tax Collector until a Superior Court judgment bars the right. The money side, interest at the bid rate, subsequent payments and the tiered penalty, is set out in the terms table below, on the state frame.
Struck off certificates	Nothing published in the sources read. Under the state frame a lien with no purchaser is struck off to the municipality at 18 percent and may later be assigned under 54:5-113 or sold at public sale under 54:5-114.1 and 54:5-114.2.
Format	Not stated for the 2019 sale in the township sources read.
Selling office	Union Township Tax Collector, Union Township, NJ. No collector name is carried on this page: the township's own current Tax Collector page names no individual, directing payments to the office alone.

Sources: Union Township (Hunterdon County), Report of Audit, year ended December 31, 2019 and Tax Collector page (uniontwp-hcnj.gov). NJ Division of Local Government Services, Elements of Tax Sales in New Jersey. Confirm with the selling office before relying on any date on this page: sales move, terms change, and parcels are pulled up to sale day.

Research Union Township parcels before you bid

A sale list gives you the parcels, the date, and the opening terms. It does not give you the owner, the value, or the rest of the picture: liens, foreclosure status, and parcel history. PropertyRadar is the data platform for that layer. It carries owner records, assessed and market values, foreclosure and tax data, and property history for parcels across Union Township, searchable by address, owner, or county, including parcels that never reach a sale list.

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How New Jersey tax sales work

Nobody at the county sells anything. Under NJSA 54:5-19 the tax collector of each municipality sells. Counties in New Jersey assess nothing for this process and run no sale; every date, list, platform and deposit rule on these pages belongs to a town, not to the county named at the top.
What is sold is a certificate, a lien, not the property. The Division of Local Government Services states it plainly: at the tax sale, title to the delinquent property itself is not sold; what is sold is a tax sale certificate. The owner keeps the property and is not evicted.
Two sale tracks run on the statute's calendar. A standard sale is held in the fiscal year following the year of delinquency. An accelerated sale reaches charges in arrears on the 11th day of the eleventh month of the fiscal year, conducted no earlier than the last month of that year, which is why December accelerated sales exist. A municipality may run both.
Bidding is the rate down from eighteen percent, then premium. Under 54:5-32 the lien is struck off to whoever takes the lowest rate of interest, never above 18 percent. When a bidder offers less than 1 percent or no interest, premium bidding takes over: the winner pays the amount due plus the highest premium. The premium goes to the municipality, earns no interest, is returned if the owner redeems, and escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years.
Redemption runs through the collector until a court bars it. The owner, heirs, a prior certificate holder, a mortgagee or an occupant may redeem at any time until the right is barred by a Superior Court judgment (54:5-54, 54:5-86), paying the sale amount with interest at the bid rate, the holder's subsequent lien payments and expenses, and the tiered penalty in 54:5-61: 2 percent over 200 dollars, 4 percent over 5,000, 6 percent over 10,000.
Foreclosure has two clocks, and assignment moves you to the faster one. A private holder may file in Superior Court after two years from the sale; a municipality, or its assignee or transferee, may file after six months (54:5-86), and a municipality may proceed in rem where six months have run and 21 months of general land taxes remain unpaid (54:5-104.32, 54:5-104.34). Since July 10, 2024, P.L.2024, c.39 has revised the process so an owner can protect remaining equity, so foreclosure is no longer the automatic equity transfer older guides describe.
Unsold liens are struck off to the municipality at eighteen percent. The municipality may later sell those certificates by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. That assignment market is New Jersey's leftover channel, and it is municipal, never county run.

How buying works in Union Township

Union Township preparation starts with the audit and a call to the tax office. The audit proves the township sells and dates its last published sale; the current page proves the office and its terms are live; the next day, the list and the name of the person holding the office come from the township itself.

The rate is a giveaway on any lien worth having. On contested certificates the interest rate is bid to zero in the first minutes and the real bidding is the premium, which earns nothing and sits with the municipality for up to five years. The disciplined bid is set by the property and the foreclosure timeline, never by the rate.
Two Union Townships, two counties, two offices. The Union County township of the same name is nine times this township's size and sits elsewhere in this set with its own collector; a sale morning published there prices nothing in Hunterdon County.

Terms: what a bid actually costs

Deposit, Union Township	Not published. No township sale notice carrying a deposit figure was found among the township sources behind this page.
Payment, Union Township	Not published in the sources read for the 2019 sale. A township sale notice, when this Union Township publishes one, is the document that will govern payment.
What is sold	A tax sale certificate: a lien on the property for the taxes and municipal charges sold, recorded against the property. The property itself is not sold, the owner is not evicted, and the certificate holder's road to the property runs through redemption failing and a Superior Court foreclosure.
The interest ceiling	18 percent per year, the maximum in 54:5-32. Bidding opens at 18 percent and the rate is bid down. The rate the winner takes is the rate the owner pays on redemption, and on contested liens in the publishing towns the rate is routinely bid to zero, which is where the premium takes over.
The premium	When a bidder offers less than 1 percent or no interest, the lien is struck off to whoever pays the amount due plus the highest premium. The premium is paid to the municipality and held by it: it earns the buyer no interest, it is returned if the owner redeems, and it escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years. Model every premium dollar at zero percent, because that is what it earns.
Redemption money	The sum paid at the sale with interest from the sale date at the rate bid; after the certificate issues, plus the holder's expenses and subsequent municipal liens paid under 54:5-59 and 54:5-60; plus the tiered penalty in 54:5-61, 2 percent where the certificate exceeds 200 dollars, 4 percent above 5,000 dollars and 6 percent above 10,000 dollars. A municipality may separately fix a year end penalty up to 6 percent on delinquencies over 10,000 dollars under 54:4-67.
How long redemption really lasts	Until a Superior Court judgment bars it. There is no self expiring redemption date: the operative clocks are the foreclosure filing clocks, two years from the sale for a private holder, six months for a municipality or its assignee, plus the life of the court case. An owner facing a private holder has at least two years; an owner facing a municipal assignee may have far less.
The deed path	Foreclosure of the right of redemption in Superior Court, Chancery Division, or a municipal in rem action under 54:5-104.32 where its conditions are met. Since P.L.2024, c.39 (July 10, 2024) the process protects the owner's remaining equity, so the pre-2024 outcome, foreclosure simply transferring all equity to the holder, is not current law and no 2026 page should describe it as such.

The leftover channel: struck off certificates and municipal assignment

For this Union Township the township sources behind this page publish nothing about struck off certificates or assignment sales beyond the lien statements its audit records. Under the state frame a township lien with no purchaser is struck off to the township at 18 percent and may later be sold by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. The assignee of a municipal certificate inherits the municipality's six month foreclosure clock under 54:5-86, measured from the original sale date.

Before you bid

Start with the town, because there is no county list. Every fact that matters, the date, the list, the platform, the deposit, lives with one municipal tax collector. The county page tells you which towns publish and what they published; the towns that publish nothing are a telephone call, and no website, this one included, can substitute for it.
Redeem and pay only through the collector. Redemption money goes to the tax collector for the holder's use, and the collector's figure is the redemption figure. Never pay a certificate holder directly on their own number, and record your certificate with the county clerk within 90 days of the sale to protect the lien.
Know which clock your seller gives you. A certificate bought at the sale carries a two year wait before foreclosure; the same certificate bought by assignment from the municipality can be foreclosed on the six month municipal clock from the original sale date. The channel you buy through is a term of the deal, priced like one.
Set the maximum before the sale opens. The free Max-Bid Calculator below works backwards from your exit value to the highest bid you can pay, with the costs shown. In premium territory the maximum is a property decision, not a yield decision.

The municipal pages in this set

One page per selling office, each verified against its own municipal sources. New Jersey has 566 municipalities and every one sells through its own tax collector; this set is the four hundred seventy largest municipalities by population. Hunterdon County has no county page in this set; the New Jersey hub carries the county sets.

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