405 Spooner Ave, Plainfield, NJ 07060 Property Records

Union County and Plainfield City property record for 405 Spooner Ave, Plainfield, NJ 07060

Property Summary

Property Type	Single Family Home
Details	1,460 sqft · built 1931
Lot Size	0.139 acres (6,037 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Aug 2024)
Tax Bill	$16,085 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-00502-0000-00049`

Property Details

APN / Parcel Number

Primary APN	`12-00502-0000-00049`
Alternative APNs	`120050200049` `05713000`

Interior

Stories	2 Stories
Building Area	1,460 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Lot Area	6,037 sqft (0.139 acres)
Lot Dimensions	150 ft deep x 40 ft wide

Location & Zoning

Account Number	05713000
Street Address	405 SPOONER AVE
City	PLAINFIELD
State	NJ
Zip	07060-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	ADDITIONAL LOTS: 1460 SQ FT
Legal Subdivision	ELSTON M FRENCH
Legal Block	502
Legal Lot Number	49
Jurisdiction	UNION NJ
Township / Civil Division	PLAINFIELD
Census Block Group	1
Census Block	1007
Census Tract	39400

Owner

405 Spooner Ave is owned and occupied by two individuals who bought it in August 2024.

Source: Union County and Plainfield City records, as of October 19, 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 File
Mailing Address	405 SPOONER AVE, PLAINFIELD, NJ 07060-2032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed, Transfer · Commercial Mortgage CANDELARIA FINANCIAL SERVICES LLC
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UTILITIES EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2024 · Amount on File
Deed Sale	Aug 6, 2024 · Amount on File
Prior Sale	Sep 26, 2023 · Amount on File
Deed Document Number	202439604
Deed Book / Page	6552 / 596
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Sep 26, 2023
Property Address	405 SPOONER AVE, PLAINFIELD, NJ 07060-2032
Document Number	0065220450
Book / Page	6522 / 450
Instrument Date	Sep 18, 2023
Instrument	32394
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,091.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3338 ERIE ST SE, WASHINGTON, DC 20020-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 EAST STREET, PLAINFIELD, NJ

Mortgage

Document Number	0000056693
Date	Sep 26, 2023
Instrument	56693

Lender

Name	CANDELARIA FINANCIAL SERVICES LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	24 Months
Due	Sep 22, 2025

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	405 SPOONER AVE, PLAINFIELD, NJ 07060-2032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146040078
Date	Oct 9, 2019
Book Page	14604/0078
Instrument	679763

Lender

Name	UTILITIES EMPLOYEES CU
Type	Credit Union
Address	READING, PA 19610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Sep 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 405 Spooner Ave was $16,085, up 69.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,200 (-) Land $48,000 Building $132,200	$180,200 (-) Land $48,000 Building $132,200
2025	$16,085.00 (+69.32%)	$180,200 Land $48,000 Building $132,200	$180,200 Land $48,000 Building $132,200
2024	$9,500.00
2023		$71,400 (-) Land $24,000 Building $47,400	$71,400 (-) Land $24,000 Building $47,400
2022	$6,039.00	$71,400 Land $24,000 Building $47,400	$71,400 Land $24,000 Building $47,400

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 405 Spooner Ave in Zone X, an area of minimal flood risk, though there have been 3 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1996–1999)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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 405 Spooner Ave 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 99.1% of the US · lower than 97.3% 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 488 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

May also be available: Optimum, T-Mobile.

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