232 Stiles Street, Elizabeth, NJ

Listing description

What the seller provided

Sheriff's foreclosure sale of 232 Stiles Street in Elizabeth, Union County, NJ. Case F01445023, sheriff's sale #CH-26002208. Proponent Federal Credit Union v. Eltia I. Montano Galarza, Felix J. Galarza, Midland Funding Llc, Trinitas Regional Medical Center. Sale 2026-11-04. Upset amount $234,511.90 (what the plaintiff is owed; it is not a minimum bid). Parcel BLOCK 160 FKA 13 LOT 18 FKA 1400. Plaintiff's attorney: Powers Kirn Llc. Sold to the public at the county sheriff's foreclosure auction — see the official listing for adjournments, deposit requirements and bidding terms.

How this sale works

Sheriff's foreclosure sale

A court-ordered auction, usually to satisfy a mortgage or other judgment. The plaintiff is the creditor that won the judgment; the defendant is the owner of record.

• The opening bid is commonly the judgment amount plus costs, set by the court file, not by the seller.
• Sales are typically held in person at a courthouse or sheriff's office on the scheduled date; some counties run them online.
• Expect to pay a deposit at the sale and the balance within days, and to take the property as-is with no interior inspection.
• Senior liens, taxes and occupants can survive the sale; a title search before bidding is the norm.
• In several states the borrower keeps a redemption right after the sale, which can delay possession.

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General information, not legal advice. The official sale notice controls.

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The public notice gives an address and a date. These outside tools fill in what it does not.

Record details

County

Union County

Parcel number

BLOCK 160 FKA 13 LOT 18 FKA 1400

Sale status

Scheduled

Case #

F01445023

Plaintiff

PROPONENT FEDERAL CREDIT UNION

Defendant

ELTIA I. MONTANO GALARZA, FELIX J. GALARZA, MIDLAND FUNDING LLC, TRINITAS REGIONAL MEDICAL CENTER

Sheriff's sale #

CH-26002208

ZIP

07201

Street address

232 Stiles Street

Upset amount

$234,511.90

Attorney

POWERS KIRN LLC

Legal notice

SUPERIOR COURT OF NEW JERSEY Superior-Union SHERIFF'S SALE NO. 26002208 DOCKET NO. F01445023 PLAINTIFF – PROPONENT FEDERAL CREDIT UNION DEFENDANTS- ELTIA I. MONTANO GALARZA, FELIX J. GALARZA, MIDLAND FUNDING LLC, TRINITAS REGIONAL MEDICAL CENTER Writ of Execution. By virtue of the above stated Writ of Execution to me directed and delivered I will expose for sale at public venue on Wednesday THE 4th DAY OF November 2026 between the hours of two and five o'clock in the afternoon of said day, that is to say at 2:00 P.M. prevailing time at Warinanco Ice Skating Center, 1 Park Drive, Roselle, New Jersey 07203 to wit: All that tract or parcel of land, situate, lying and being in the town of ELIZABETH, County of Union and State of New Jersey: Being known as: BLOCK 160 FKA 13 LOT 18 FKA 1400 PREMISES COMMONLY KNOWN AS: 232 STILES STREET ELIZABETH, NJ 07201 A more complete metes and bounds description can be found in the Office of the Union County Sheriff. Lien(s)/Taxes: DIMENSIONS OF LOT: 50’ x 130’ NEAREST CROSS STREET: Gibson Place SUPERIOR INTERESTS (if any): Any and all easements, covenants, restrictions and reservations of record; Any set of facts which an accurate survey and inspect…

Property note

DIMENSIONS OF LOT: x NEAREST CROSS STREET: Gibson Place SUPERIOR INTERESTS (if any): Any and all easunents, covenants, restrictions and reservations of record; Any set of facts which an accurate survey and inspection would disclose; All unpaid municipal taxes, assessments and liens; Any unpaid assessment and any outstanding tax sale certificate; Rights of any party in possession /rights protected by the NJ Anti-Eviction Act; All Local, County, State and Federal ordinances and regulations; Any condotninium Association dues or fees; Rights of the United States of America, if property is sold in its "AS IS" condition; Purchaser shall be responsible for Sheriffs costs, commission, deed recording fees and realty transfer fees. Property Registration Fees Exist - contact Director of Planning and Community Development at 908-820-4160 for details. Plaintiff's upset bid is $252,764.47 in accordance with the requirements of Section 12 of P.L. 1995, c. 244 (C,2A:5064) as amended. The property is reported to be owner occupied. The full legal description can be found in the Office of the Clerk of Union County in Mortgage Book Ml 2696 Page 480 . The Sheriff hereby reserves the right to adjourn t…

Sale date time

Nov 4, 2026

State

NJ

Status history

11/4/2026 · Scheduled