2039 Prospect Ave, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 2039 Prospect Ave, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	2,529 sqft · built 2008
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$694,000 (Dec 2008)
Tax Bill	$17,167 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-02802-0000-00026-02`

Property Details

APN / Parcel Number

Primary APN	`16-02802-0000-00026-02`
Alternative APNs	`16028020000000260002` `166500`

Interior

Building Area	2,529 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Account Number	166500
Street Address	2039 PROSPECT AVE
City	SCOTCH PLAINS
State	NJ
Zip	07076-1370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3A
Legal Subdivision	STANBERRY FARM
Legal Block	2802
Legal Lot Number	26.2
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	2
Census Block	2001
Census Tract	38400

Owner

2039 Prospect Ave is owned and occupied by two individuals who bought it in December 2008.

Source: Union County and Scotch Plains Township records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2039 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
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
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jun 1, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 27, 2018	Loan Modification, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2008 · Amount on File
Deed Sale	Dec 1, 2008 · Amount on File
Deed Document Number	2008200922
Deed Book / Page	5742 / 202
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	2039 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
Transaction Type	Mortgage
Record Updated	Oct 26, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154212526
Date	Oct 10, 2023
Book Page	15421/2526
Instrument	57150

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	2039 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	ELEVATED TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150512203
Date	Sep 8, 2021
Book Page	15051/2203
Instrument	20355

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	2039 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
Document Number	0147542454
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 PROSPECT AVE SCOTCH PLAINS NJ 070761370, SCOTCH PLAINS, NJ 07076-1370

Mortgage

Document Number	0147542454
Date	Aug 27, 2020
Book Page	014754/002454
Instrument	697542

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2050

Interest

Rate Type	Adjustable Rate

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NJ
Property Address	2039 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
Document Number	0145092331
Instrument Date	Oct 27, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 PROSPECT AVE SCOTCH PLAINS NJ 070761370, SCOTCH PLAINS, NJ 07076-1370

Mortgage

Document Number	0145092331
Date	Nov 27, 2018
Book Page	014509/002331
Instrument	665736

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2039 Prospect Ave was $17,167, up 5% 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		$139,000 (-) Land $24,500 Building $114,500	$139,000 (-) Land $24,500 Building $114,500
2025	$17,167.00 (+4.95%)	$139,000 Land $24,500 Building $114,500	$139,000 Land $24,500 Building $114,500
2024	$16,357.00
2023		$139,000 Land $24,500 Building $114,500	$139,000 Land $24,500 Building $114,500
2022	$15,686.00

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 2039 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	15 (1996–2025)
Claims Outside the SFHA	10 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 2039 Prospect Ave is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 199 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
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

Nearby Properties on Prospect Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures