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2048 Prospect Ave, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 2048 Prospect Ave, Scotch Plains, NJ 07076

Property Summary

Property TypeSingle Family Home
Details1,943 sqft · built 1955
Lot Size0.172 acres (7,501 sqft)
Owner2 Individual Names on File
Last Sale$360,000 (Nov 2008)
Tax Bill$15,018 (2025)
Deeds & MortgagesNov 2021 Mortgage
Feb 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN16-02803-0000-00007

Property Details

APN / Parcel Number

Primary APN16-02803-0000-00007
Alternative APNs
  • 160280300007
  • 167200

Interior

Stories1 Story
Building Area1,943 sqft Living Area
1st Floor Area1,943 sqft

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Architectural StyleCape Cod
Exterior MaterialBrick
Construction TypeBrick
Lot Area7,501 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
Garage TypeDetached
Parking Spaces2 Parking Spaces

Location & Zoning

Account Number167200
Street Address2048 PROSPECT AVE
CitySCOTCH PLAINS
StateNJ
Zip07076-1369
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3A
Legal Block2803
Legal Lot Number7
JurisdictionUNION NJ
Township / Civil DivisionSCOTCH PLAINS
Census Block Group2
Census Block2002
Census Tract38400

Owner

2048 Prospect Ave is owned and occupied by two individuals who bought it in November 2008.

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

Owner of Record2 Individual Names on File
Mailing Address2048 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 19, 2021Deed of Trust, Mortgage · FHA Mortgage
WELLS FARGO BANK NA
Feb 10, 2020Loan Modification, Mortgage · Conventional with PMI
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 20, 2008 · Amount on File
Deed SaleNov 20, 2008 · Amount on File
Deed Document Number2008200729
Deed Book / Page5741 / 186
Prior Transfer DateApr 9, 2003
Prior Transfer Doc5367000458
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NJ
Property Address2048 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
Transaction TypeMortgage
Record UpdatedDec 15, 2021
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2048 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369

Mortgage

Document Number0151062948
DateNov 19, 2021
Book Page15106/2948
Instrument25466
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term340 Months
DueMar 1, 2050

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionUNION NJ
Property Address2048 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1369
Document Number0146612560
Instrument DateFeb 10, 2020
Transaction TypeMortgage
Record UpdatedMay 20, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2048 PROSPECT AVE SCOTCH PLAINS NJ 070761369, SCOTCH PLAINS, NJ 07076-1369

Mortgage

Document Number0146612560
DateMar 5, 2020
Book Page014661/002560
Instrument687958
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueMar 4, 2050
Interest
Rate3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 2048 Prospect Ave was $15,018, up 4.9% from the year before.

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyUnion County
County SubdivisionScotch Plains Township
Unified School DistrictScotch Plains-Fanwood Regional School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$121,600 (-) Land $26,200 Building $95,400$121,600 (-) Land $26,200 Building $95,400
2025$15,018.00 (+4.95%)$121,600 Land $26,200 Building $95,400$121,600 Land $26,200 Building $95,400
2024$14,310.00
2023$121,600 Land $26,200 Building $95,400$121,600 Land $26,200 Building $95,400
2022$13,722.00

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 2048 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims15 (1996–2025)
Claims Outside the SFHA10 of 15
Most Recent ClaimJul 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 2048 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 RiskLow
lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood0.01% annual chance
ExposureIndirect
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 SystemNJ AMERICAN WATER - RARITAN
private · serves 615,430 people · EPA ID NJ2004002
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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