1089 Prospect Ave, Mountainside, NJ 07092 Property Records

Union County and Mountainside Borough property record for 1089 Prospect Ave, Mountainside, NJ 07092

Property Summary

Property Type	Single Family Home
Details	2,969 sqft · built 1971
Lot Size	0.723 acres (31,494 sqft)
Owner	Individual Name on Record
Last Sale	$910,000 (May 2019)
Tax Bill	$17,243 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00005-01-00004`

Property Details

APN / Parcel Number

Primary APN	`10-00005-01-00004`
Alternative APN	`1000005A00004`

Interior

Stories	1 Story
Building Area	2,969 sqft Living Area
1st Floor Area	2,969 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Lot Area	31,494 sqft (0.723 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1000005A00004
Street Address	1089 PROSPECT AVE
City	MOUNTAINSIDE
State	NJ
Zip	07092-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Subdivision	SKETCH/MOUNTAINSIDE
Legal Block	5.1
Legal Lot Number	4
Jurisdiction	UNION NJ
Township / Civil Division	MOUNTAINSIDE
Census Block Group	3
Census Block	3005
Census Tract	38300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1089 PROSPECT AVE, MOUNTAINSIDE, NJ 07092-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 13, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	2019312661
Deed Book / Page	6321 / 2269
Prior Transfer Date	Apr 10, 2013
Prior Transfer Doc	0059480680
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1089 PROSPECT AVE, MOUNTAINSIDE, NJ 07092-1508
Document Number	0148392840
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	FIRST AMERICAN TITLE IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 PROSPECT AVE MOUNTAINSIDE NJ 070921508, MOUNTAINSIDE, NJ 07092-1508

Mortgage

Document Number	0148392840
Date	Dec 17, 2020
Book Page	014839/002840
Instrument	706107

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	May 13, 2019
Property Address	1089 PROSPECT AVE, MOUNTAINSIDE, NJ 07092-1508
Document Number	0063212269
Book / Page	006321 / 002269
Instrument Date	May 10, 2019
Instrument	312661
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	CLEAR SKIES TITLE AGENCY, CLEAR SKIES TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 PROSPECT AVE MOUNTAINSIDE NJ 070921508, MOUNTAINSIDE, NJ 07092-1508

Mortgage

Document Number	145552878
Date	May 13, 2019
Book Page	014555/002878
Instrument	672559

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

Tax Assessment & Valuation

Source: Union County and Mountainside Borough assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Mountainside Borough
Unified School District	Mountainside Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$821,100 (-) Land $350,200 Building $470,900	$821,100 (-) Land $350,200 Building $470,900
2025	$17,243.00 (+2.75%)	$821,100 (+0.31%) Land $350,200 Building $470,900	$821,100 (+0.31%) Land $350,200 Building $470,900
2024	$16,781.00 (+2.65%)
2023		$818,600 Land $350,200 Building $468,400	$818,600 Land $350,200 Building $468,400
2022	$16,347.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Policies	1 in force

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 237 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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