10 Michael Ln, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 10 Michael Ln, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	4,142 sqft · built 2025
Lot Size	0.732 acres (31,886 sqft)
Owner	2 Individual Names on File
Last Sale	$2,294,250 (Dec 2025)
Tax Bill	$20,995 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-14501-0000-00024`

Property Details

APN / Parcel Number

Primary APN	`16-14501-0000-00024`
Alternative APNs	`161450100024` `651800`

Interior

Stories	2 Stories
Building Area	4,142 sqft Living Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Mobile Home
Construction Type	Frame
Lot Area	31,886 sqft (0.732 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	651800
Street Address	10 MICHAEL LN
City	SCOTCH PLAINS
State	NJ
Zip	07076-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1D
Legal Subdivision	EDWARDS FARM ESTATES
Legal Block	14501
Legal Lot Number	24
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	2
Census Block	2001
Census Tract	38602

Owner

10 Michael Ln is owned and occupied by two individuals who bought it in December 2025.

Source: Union County and Scotch Plains Township records, as of August 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 MICHAEL LN, SCOTCH PLAINS, NJ 07076-2508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NYS
Dec 2, 2025	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 18, 2023	Sheriff's Deed, Foreclosure EXECUTIVE ABSTRACT TITLE AGENCY LLC, EXECUTIVE ABSTRACT TTL AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on File
Deed Sale	Dec 2, 2025 · Amount on File
Prior Sale	Dec 18, 2023 · Amount on File
Deed Document Number	202551158
Deed Book / Page	6602 / 2781
Prior Transfer Date	Apr 12, 2007
Prior Transfer Doc	0056530402
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Recording Date	Aug 14, 2026
Property Address	10 MICHAEL LN, SCOTCH PLAINS, NJ 07076-2508
Document Number	0000095991
Book / Page	15844 / 2372
Instrument Date	Aug 7, 2026
Instrument	202695991
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	LAND TITLE, ACRES LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MICHAEL LN, SCOTCH PLAINS, NJ 07076-2508
Investor	Possibly a Property Investor

Mortgage

Document Number	0000095991,
Date	Aug 14, 2026
Book Page	15844/2372
Instrument	202695991

Lender

Name	CITIBANK NYS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Dec 2, 2025
Property Address	10 MICHAEL LN, SCOTCH PLAINS, NJ 07076-2508
Document Number	0066022781
Book / Page	6602 / 2781
Instrument Date	Nov 18, 2025
Instrument	51158
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ABSOLUTE SETTLEMENT COMPANY, AABSOLUTE SETTLEMENT CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,123.45
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 PEACH TREE LN, MOUNTAINSIDE, NJ 07092-2211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MICHAEL LN, SCOTCH PLAINS, NJ 07076-2508
Investor	Possibly a Property Investor

Mortgage

Document Number	0000085773
Date	Dec 2, 2025
Instrument	85773

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	SOFR Average 30-Day
Max Rate	11.2%

December 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	UNION NJ
Recording Date	Dec 18, 2023
Property Address	10 MICHAEL LN, SCOTCH PLAINS, NJ 07076-2508
Document Number	0065312615
Book / Page	6531 / 2615
Instrument Date	Dec 15, 2023
Instrument	34488
Transaction Type	Foreclosure
Record Updated	Mar 21, 2024
Title Company	EXECUTIVE ABSTRACT TITLE AGENCY LLC, EXECUTIVE ABSTRACT TTL AGCY

Transaction

Amount	Amount on Record
Tax	$5,874.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 PEACH TREE LN, MOUNTAINSIDE, NJ 07092-2211

Tax Assessment & Valuation

The 2025 property tax bill for 10 Michael Ln was $20,995, up 4.9% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Scotch Plains Township
Unified School District	Scotch Plains-Fanwood Regional School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$368,400 (+116.71%) Land $67,000 Building $301,400	$368,400 (+116.71%) Land $67,000 Building $301,400
2025	$20,995.00 (+4.94%)	$170,000 Land $67,000 Building $103,000	$170,000 Land $67,000 Building $103,000
2024	$20,006.00
2023		$170,000 (-) Land $67,000 Building $103,000	$170,000 (-) Land $67,000 Building $103,000
2022	$19,184.00 (+0.17%)	$170,000 Land $67,000 Building $103,000	$170,000 Land $67,000 Building $103,000
2021	$19,152.00

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 10 Michael Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (1978–2025)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Jul 2025 · 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

Wildfire risk around 10 Michael Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 162 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 · Fiber in parts of the area	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

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