1280 Cushing Rd, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 1280 Cushing Rd, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	3,010 sqft · built 1780
Lot Size	0.929 acres (40,467 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Sep 2015)
Tax Bill	$15,005 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-15302-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`16-15302-0000-00001`
Alternative APNs	`161530200001` `693600`

Interior

Stories	2 Stories
Building Area	3,010 sqft Living Area

Exterior

Year Built	Built 1780
Effective Year Built	Effective 1780
Construction Type	Frame
Lot Area	40,467 sqft (0.929 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	693600
Street Address	1280 CUSHING RD
City	SCOTCH PLAINS
State	NJ
Zip	07076-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	NORMANDY SEC 06
Legal Block	15302
Legal Lot Number	1
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	1
Census Block	1001
Census Tract	38602

Owner

1280 Cushing Rd is owned and occupied by two individuals who bought it in September 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	1280 CUSHING RD, SCOTCH PLAINS, NJ 07076-2206
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 24, 2020	Deed of Trust, Mortgage · Line of Credit SPENCER SAVINGS BANK SLA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2015 · Amount on File
Deed Sale	Sep 28, 2015 · Amount on File
Prior Sale	Dec 14, 2009 · Amount on File
Deed Book / Page	6082 / 296
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1280 CUSHING RD, SCOTCH PLAINS, NJ 07076-2206
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149340157
Date	Apr 12, 2021
Book Page	14934/157
Instrument	9313

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1280 CUSHING RD, SCOTCH PLAINS, NJ 07076-2206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146680416
Date	Mar 24, 2020
Book Page	14668/416
Instrument	688914

Lender

Name	SPENCER SAVINGS BANK SLA
Type	Lending Institution
Address	ELMWOOD PARK, NJ 07407

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 14, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1280 Cushing Rd was $15,005, 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		$121,500 (-) Land $53,800 Building $67,700	$121,500 (-) Land $53,800 Building $67,700
2025	$15,005.00 (+4.94%)	$121,500 Land $53,800 Building $67,700	$121,500 Land $53,800 Building $67,700
2024	$14,298.00
2023		$121,500 Land $53,800 Building $67,700	$121,500 Land $53,800 Building $67,700
2022	$13,711.00

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 1280 Cushing Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	13 (1979–2025)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 claims

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 1280 Cushing Rd 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 473 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

May also be available: Optimum, T-Mobile.

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