322 Coldstream Ct, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 322 Coldstream Ct, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	3,086 sqft · built 2007
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$845,000 (Oct 2017)
Tax Bill	$3,470 (2025)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-06102-0000-00012-11`

Property Details

APN / Parcel Number

Primary APN	`16-06102-0000-00012-11`
Alternative APNs	`16061020000000120011` `316711`

Interior

Building Area	3,086 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	7,013 sqft (0.161 acres)

Location & Zoning

Account Number	316711
Street Address	322 COLDSTREAM CT
City	SCOTCH PLAINS
State	NJ
Zip	07076-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SCOTCH HILL ESTATES
Legal Block	6102
Legal Lot Number	12.11
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	1
Census Block	1007
Census Tract	38500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	322 COLDSTREAM CT, SCOTCH PLAINS, NJ 07076-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jan 10, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Oct 25, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2017 · Amount on Record
Deed Sale	Oct 25, 2017 · Amount on Record
Prior Sale	Sep 5, 2007 · Amount on Record
Deed Document Number	2017292796
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	322 COLDSTREAM CT, SCOTCH PLAINS, NJ 07076-2061
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 COLDSTREAM CT, SCOTCH PLAINS, NJ 07076-2061

Mortgage

Document Number	0150972074
Date	Nov 8, 2021
Book Page	15097/2074
Instrument	24574

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	861 Months
Due	Aug 20, 2093

Interest

Rate Type	Adjustable Rate
Rate	1.65%
Type Change Date	Dec 1, 2021
Change Frequency	Monthly
Index	1-Year LIBOR

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Jan 10, 2020
Property Address	322 COLDSTREAM CT, SCOTCH PLAINS, NJ 07076-2061
Document Number	0063550333
Book / Page	006355 / 000333
Instrument Date	Jan 6, 2020
Instrument	320960
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 COLDSTREAM CT SCOTCH PLAINS NJ 070762061, SCOTCH PLAINS, NJ 07076-2061

Mortgage

Document Number	146380167
Date	Jan 10, 2020
Book Page	014638/000167
Instrument	684845

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Oct 25, 2017
Property Address	322 COLDSTREAM CT, SCOTCH PLAINS, NJ 07076-2061
Document Number	0062230987
Book / Page	006223 / 000987
Instrument Date	Oct 17, 2017
Instrument	292796
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$845.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	322 COLDSTREAM CT SCOTCH PLAINS NJ 070762061, SCOTCH PLAINS, NJ 07076-2061

Tax Assessment & Valuation

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		$28,100 (-) Land $28,100	$28,100 (-) Land $28,100
2025	$3,470.00 (+4.93%)	$28,100 (-) Land $28,100	$28,100 (-) Land $28,100
2024	$3,307.00 (+4.29%)
2023		$28,100 Land $28,100	$28,100 Land $28,100
2022	$3,171.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	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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