2539 Smith St, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 2539 Smith St, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	1,824 sqft · built 1967
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Apr 2020)
Tax Bill	$9,534 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-06301-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`16-06301-0000-00008`
Alternative APNs	`160630100008` `322900`

Interior

Stories	2 Stories
Building Area	1,824 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	322900
Street Address	2539 SMITH ST
City	SCOTCH PLAINS
State	NJ
Zip	07076-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MAP/WESTFIELD MANOR
Legal Block	6301
Legal Lot Number	8
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	1
Census Block	1008
Census Tract	38500

Owner

2539 Smith St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2539 SMITH ST, SCOTCH PLAINS, NJ 07076-2034
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
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC HOME LOANS INC
Apr 27, 2020	Grant Deed, Transfer · Conventional Mortgage ATLANTIC HM LOANS
Nov 20, 2017	Grant Deed, Transfer · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2020 · Amount on File
Deed Sale	Apr 27, 2020 · Amount on File
Prior Sale	Nov 20, 2017 · Amount on File
Deed Document Number	2020324001
Deed Book / Page	6366 / 2558
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	2539 SMITH ST, SCOTCH PLAINS, NJ 07076-2034
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148962145
Date	Feb 26, 2021
Book Page	14896/2145
Instrument	5501

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Apr 27, 2020
Property Address	2539 SMITH ST, SCOTCH PLAINS, NJ 07076-2034
Document Number	0063662558
Book / Page	006366 / 002558
Instrument Date	Jan 27, 2020
Instrument	324001
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	COASTAL TITLE, COASTAL TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2539 SMITH ST SCOTCH PLAINS NJ 070762034, SCOTCH PLAINS, NJ 07076-2034

Mortgage

Document Number	146842956
Date	Apr 27, 2020
Book Page	014684/002956
Instrument	690518

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Nov 20, 2017
Property Address	2539 SMITH ST, SCOTCH PLAINS, NJ 07076-2034
Document Number	0062292001
Book / Page	006229 / 002001
Instrument Date	Nov 16, 2017
Instrument	293755
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2539 SMITH ST SCOTCH PLAINS NJ 070762034, SCOTCH PLAINS, NJ 07076-2034

Mortgage

Document Number	143662209
Date	Nov 20, 2017
Book Page	014366/002209
Instrument	649485

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2539 Smith St was $9,534, 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		$77,200 (-) Land $16,300 Building $60,900	$77,200 (-) Land $16,300 Building $60,900
2025	$9,534.00 (+4.95%)	$77,200 Land $16,300 Building $60,900	$77,200 Land $16,300 Building $60,900
2024	$9,084.00
2023		$77,200 Land $16,300 Building $60,900	$77,200 Land $16,300 Building $60,900
2022	$8,712.00

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 2539 Smith St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force

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 2539 Smith St is low, with less than 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 94% of the US · lower than 83% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 369 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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