38 Decker Ave, Elizabeth, NJ 07208 Property Records

Union County and Elizabeth City property record for 38 Decker Ave, Elizabeth, NJ 07208

Property Summary

Property Type	Single Family Home
Details	2,278 sqft · built 1932
Lot Size	0.12 acres (5,240 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jun 2025)
Tax Bill	$9,579 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`04 00013-0000-00289`

Property Details

APN / Parcel Number

Primary APN	`04 00013-0000-00289`
Alternative APNs	`04-00093-0000-00005` `040001300289`

Interior

Building Area	2,278 sqft Living Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Lot Area	5,240 sqft (0.12 acres)
Lot Dimensions	131 ft deep x 40 ft wide

Location & Zoning

Old Parcel Number	0400013000000289
Street Address	38 DECKER AVE
City	ELIZABETH
State	NJ
Zip	07208-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CITY/ELIZABETH
Legal Block	93
Legal Lot Number	5
Jurisdiction	UNION NJ
Township / Civil Division	ELIZABETH
Census Block Group	1
Census Block	1002
Census Tract	31801

Owner

38 Decker Ave is owned and occupied by two individuals who bought it in June 2025.

Source: Union County and Elizabeth City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 DECKER AVE, ELIZABETH, NJ 07208-1703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jan 19, 2022	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jan 7, 2020	Deed, Transfer NEW HORIZON ABSTRACT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2025 · Amount on File
Deed Sale	Jun 11, 2025 · Amount on File
Prior Sale	Jan 7, 2020 · Amount on File
Deed Document Number	202546864
Deed Book / Page	6584 / 2216
Prior Transfer Date	Nov 15, 2019
Prior Transfer Doc	0063540806
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	38 DECKER AVE, ELIZABETH, NJ 07208-1703
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 DECKER AVE, ELIZABETH, NJ 07208-1703

Mortgage

Document Number	0151462244
Date	Jan 19, 2022
Book Page	15146/2244
Instrument	29564

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jan 7, 2020
Property Address	38 DECKER AVE, ELIZABETH, NJ 07208-1703
Document Number	0063540806
Book / Page	6354 / 0806
Instrument Date	Nov 15, 2019
Instrument	320819
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	NEW HORIZON ABSTRACT

Transaction

Amount	Amount on Record
Tax	$2,831.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 DECKER AVE, ELIZABETH, NJ 07208-1703

Tax Assessment & Valuation

The 2025 property tax bill for 38 Decker Ave was $9,579, up 4.8% from the year before.

Source: Union County and Elizabeth City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Elizabeth City
Unified School District	Elizabeth City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$545,500 (+14.87%) Land $196,000 Building $349,500	$545,500 (+14.87%) Land $196,000 Building $349,500
2025	$9,579.00 (+4.84%)	$474,900 Land $196,000 Building $278,900	$474,900 Land $196,000 Building $278,900
2024	$9,137.00
2023		$34,500 Land $10,200 Building $24,300	$34,500 Land $10,200 Building $24,300
2022	$10,549.00

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 38 Decker Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1979–1986)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 1986 · river or lake flooding

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

The area around 38 Decker Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 - LIBERTY private · serves 134,000 people · EPA ID NJ2004001
Water Source	Purchased surface water from several systems
Lead	2 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Optimum, T-Mobile, Verizon.

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