2081 Prospect Ave, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 2081 Prospect Ave, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1957
Lot Size	0.211 acres (9,200 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Mar 2021)
Tax Bill	$9,682 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-02802-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`16-02802-0000-00019`
Alternative APNs	`160280200019` `165800`

Interior

Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Construction Type	Frame
Lot Area	9,200 sqft (0.211 acres)
Lot Dimensions	100 ft deep x 92 ft wide

Location & Zoning

Account Number	165800
Street Address	2081 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	STANLEY FARM
Legal Block	2802
Legal Lot Number	19
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	2
Census Block	2001
Census Tract	38400

Owner

2081 Prospect Ave is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2081 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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Jul 6, 2010 · Amount on File
Deed Document Number	20213178
Deed Book / Page	6407 / 2301
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Mar 31, 2021
Property Address	2081 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
Document Number	0064072301
Book / Page	6407 / 2301
Instrument Date	Mar 24, 2021
Instrument	3178
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	MEMBERS ALLIANCE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,359.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2081 PROSPECT AVE, 2081, SCOTCH PLAINS, NJ 07076-1370

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2081 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370

Mortgage

Document Number	8391
Date	Mar 31, 2021
Instrument	8391

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2081 Prospect Ave was $9,682, 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		$78,400 (-) Land $27,300 Building $51,100	$78,400 (-) Land $27,300 Building $51,100
2025	$9,682.00 (+4.94%)	$78,400 Land $27,300 Building $51,100	$78,400 Land $27,300 Building $51,100
2024	$9,226.00
2023		$78,400 Land $27,300 Building $51,100	$78,400 Land $27,300 Building $51,100
2022	$8,847.00

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 2081 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 2081 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
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 408 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