2040 Prospect Ave, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 2040 Prospect Ave, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	2,170 sqft · built 2000
Lot Size	0.092 acres (3,999 sqft)
Owner	Individual Name on File
Last Sale	$552,550 (Dec 2018)
Tax Bill	$16,265 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-02803-0000-00005-02`

Property Details

APN / Parcel Number

Primary APN	`16-02803-0000-00005-02`
Alternative APNs	`16028030000000050002` `167001`

Interior

Building Area	2,170 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide

Location & Zoning

Account Number	167001
Street Address	2040 PROSPECT AVE
City	SCOTCH PLAINS
State	NJ
Zip	07076-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PROSPECT AVE
Legal Block	2803
Legal Lot Number	5.2
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	2
Census Block	2002
Census Tract	38400

Owner

2040 Prospect Ave is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	2040 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
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
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage MLD MTG
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage MLD MTG
Dec 17, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN FED'L MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on File
Deed Sale	Dec 17, 2018 · Amount on File
Prior Sale	Sep 28, 2000 · Amount on File
Deed Document Number	2018307938
Deed Book / Page	6300 / 2224
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	2040 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
Document Number	0147782808
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	QUALITY TITLE COMPANY, QUALITY TITLE & ABSTRACT AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 PROSPECT AVE SCOTCH PLAINS NJ 070761369, SCOTCH PLAINS, NJ 07076-1369

Mortgage

Document Number	0147782808
Date	Sep 30, 2020
Book Page	014778/002808
Instrument	699991

Lender

Name	MLD MTG
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	2040 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
Document Number	0146002227
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	QUALITY TITLE COMPANY, QUALITY TITLE & ABSTRACT AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 PROSPECT AVE SCOTCH PLAINS NJ 070761369, SCOTCH PLAINS, NJ 07076-1369

Mortgage

Document Number	0146002227
Date	Sep 30, 2019
Book Page	014600/002227
Instrument	679285

Lender

Name	MLD MTG
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Dec 17, 2018
Property Address	2040 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
Document Number	0063002224
Book / Page	006300 / 002224
Instrument Date	Dec 12, 2018
Instrument	307938
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	NEW JERSEY LAND TITLE INSURANCE RATI, NEW JERSEY LAND TITLE INS RATI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$552.55
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 PROSPECT AVE SCOTCH PLAINS NJ 070761369, SCOTCH PLAINS, NJ 07076-1369

Mortgage

Document Number	145162187
Date	Dec 17, 2018
Book Page	014516/002187
Instrument	666743

Lender

Name	AMERICAN FED'L MTG CORP
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2040 Prospect Ave was $16,265, 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		$131,700 (-) Land $27,800 Building $103,900	$131,700 (-) Land $27,800 Building $103,900
2025	$16,265.00 (+4.95%)	$131,700 Land $27,800 Building $103,900	$131,700 Land $27,800 Building $103,900
2024	$15,498.00
2023		$131,700 Land $27,800 Building $103,900	$131,700 Land $27,800 Building $103,900
2022	$14,862.00

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 2040 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 2040 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.

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