Union County and Scotch Plains Township property record for 2097 Prospect Ave, Scotch Plains, NJ 07076
| Property Type | Single Family Home |
|---|---|
| Details | 1,260 sqft · built 1952 |
| Lot Size | 0.154 acres (6,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Sep 2013) |
| Tax Bill | $9,695 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-02802-0000-00015 |
| Primary APN | 16-02802-0000-00015 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 6,700 sqft (0.154 acres) |
| Lot Dimensions | 100 ft deep x 67 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Account Number | 165400 |
|---|---|
| Street Address | 2097 PROSPECT AVE |
| City | SCOTCH PLAINS |
| State | NJ |
| Zip | 07076-1370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2802 |
| Legal Lot Number | 15 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SCOTCH PLAINS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 38400 |
2097 Prospect Ave is owned and occupied by an individual who bought it in September 2013.
Source: Union County and Scotch Plains Township records, as of July 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2097 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2013 · Amount on File |
| Deed Sale | Sep 20, 2013 · Amount on File |
| Prior Sale | Dec 11, 2012 · Amount on File |
| Deed Document Number | 2013244923 |
| Deed Book / Page | 5972 / 668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 2097 PROSPECT AVE, SCOTCH PLAINS, NJ 07076-1370 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FOUNDATION TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0148172158 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 14817/2158 |
| Instrument | 703761 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BROOKLYN, NY 11210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 2097 Prospect Ave was $9,695, up 5% from the year before.
Source: Union County and Scotch Plains Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Scotch Plains Township |
| Unified School District | Scotch Plains-Fanwood Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,500 (-) Land $25,500 Building $53,000 | $78,500 (-) Land $25,500 Building $53,000 | |
| 2025 | $9,695.00 (+4.96%) | $78,500 Land $25,500 Building $53,000 | $78,500 Land $25,500 Building $53,000 |
| 2024 | $9,237.00 | ||
| 2023 | $78,500 Land $25,500 Building $53,000 | $78,500 Land $25,500 Building $53,000 | |
| 2022 | $8,858.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2097 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 |
|
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 risk around 2097 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.
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 |
| 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.
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 |
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