19 12th Street, Union City
technical data · neighborhood and transit
Quick answers
- What is the 2026 conforming loan limit in Hudson County?
- $1,209,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 3, low potential.
- What natural disasters is 19 12th Street at risk for?
- FEMA's National Risk Index rates the area very low overall.
Safety and environment
FEMA natural hazard risk
Very Low
No single natural hazard ranks high for this area.
FEMA National Risk Index, census tract
Superfund site
1.1 mi
Grand Street Mercury (Deleted NPL Site). Check groundwater and vapor reports on the EPA site page.
EPA National Priorities List
Leaking fuel tanks
12 within 1,650 ft
Nearest: Delta Station, 1200 Kennedy Blvd (550 ft), open. 5 still open. Ask whether groundwater or soil vapor testing was done.
EPA UST Finder, leaking underground storage tank releases
Toxic release facility
2,250 ft
Compac Industries Inc and 5 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Radon potential
Low
Geology here keeps indoor radon low on average.
EPA and USGS Geologic Radon Potential Map
Nearest public schools
650 ft
Veterans' Memorial Elementary School (650 ft), John F Kennedy Elementary School (1,000 ft), Sara M. Gilmore Academy (1,400 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Major airport
8.2 mi
Newark Liberty (EWR). Aircraft may be audible under approach paths.
FAA large-hub airports
Conforming loan limit 2026
$1,209,750
Hudson County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
Property tax after you buy
$7,000 a year
About $583 a month at New York's 1.40% median effective rate.
In New York City, small homes are capped at 6% a year (20% over five years), and the cap stays with the property through a sale.
Rough estimate. U.S. Census ACS median effective rates. Your county assessor sets the final bill.
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The money at this address
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Loan calculator for this address
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Rough estimate, with a fixed rate. The bank's offer may include fees and insurance.
More on 12th Street
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
- Check the condition of the fence, yard, and sidewalk out front: who is responsible for upkeep, and whether there are any boundary disputes with neighbors.
- Check the roof, gutters, and downspouts for signs of leaks or recent repairs, especially if it has rained recently.
- Ask to see the construction documents (permit, sign-off) and check for visible cracks on the facade or in the attic/basement.
- Check exactly where you'd park: a spot in the yard or garage, or street parking, and how crowded the street gets in the evening.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.