2087 Prospect Ave, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 2087 Prospect Ave, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	1,948 sqft · built 1984
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$649,900 (Jun 2022)
Tax Bill	$11,893 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-02802-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`16-02802-0000-00017`
Alternative APNs	`160280200017` `165600`

Interior

Stories	2 Stories
Building Area	1,948 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	165600
Street Address	2087 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	BUILDING LTS AT SCOTCH PLAINS
Legal Block	2802
Legal Lot Number	17
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	2
Census Block	2001
Census Tract	38400

Owner

2087 Prospect Ave is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2087 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	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Prior Sale	Aug 25, 2006 · Amount on File
Deed Document Number	202219658
Deed Book / Page	6470 / 2487
Prior Transfer Date	Aug 23, 1999
Prior Transfer Doc	0000071254
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jun 30, 2022
Property Address	2087 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370
Document Number	0064702487
Book / Page	6470 / 2487
Instrument Date	Jun 27, 2022
Instrument	19658
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	NOT AVAILABLE, A ABSOLUTE SETTLEMENT CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1451 COOPER RD, 1451, SCOTCH PLAINS, NJ 07076-2860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2087 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370

Mortgage

Document Number	0000039489
Date	Jun 30, 2022
Instrument	39489

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2087 Prospect Ave was $11,893, 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		$96,300 (-) Land $24,400 Building $71,900	$96,300 (-) Land $24,400 Building $71,900
2025	$11,893.00 (+4.95%)	$96,300 Land $24,400 Building $71,900	$96,300 Land $24,400 Building $71,900
2024	$11,332.00
2023		$96,300 Land $24,400 Building $71,900	$96,300 Land $24,400 Building $71,900
2022	$10,867.00

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 2087 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 2087 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