423 Spruce St, Plainfield, NJ 07060 Property Records

Union County and Plainfield City property record for 423 Spruce St, Plainfield, NJ 07060

Property Summary

Property Type	Single Family Home
Details	1,032 sqft · built 1931
Lot Size	0.108 acres (4,713 sqft)
Owner	Company Name on File
Last Sale	$165,000 (Jul 2006)
Tax Bill	$5,025 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-00502-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`12-00502-0000-00026`
Alternative APNs	`120050200026` `05690000`

Interior

Stories	2 Stories
Building Area	1,032 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Lot Area	4,713 sqft (0.108 acres)
Lot Dimensions	131 ft deep x 75 ft wide

Location & Zoning

Account Number	05690000
Street Address	423 SPRUCE ST
City	PLAINFIELD
State	NJ
Zip	07060-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	ADDITIONAL LOTS: 1032 SQ FT
Legal Block	502
Legal Lot Number	26
Jurisdiction	UNION NJ
Township / Civil Division	PLAINFIELD
Census Block Group	1
Census Block	1007
Census Tract	39400

Owner

423 Spruce St is owned by a company that bought it in July 2006.

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

Owner of Record	Company Name on File
Mailing Address	1346 CHETWYND AVE, PLAINFIELD, NJ 07060-3114
Owner Type	Company

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
Oct 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 3, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2006 · Amount on File
Deed Sale	Jul 13, 2006 · Amount on File
Prior Sale	Mar 8, 2002 · Amount on File
Deed Book / Page	5593 / 387
Prior Transfer Date	Oct 24, 2002
Prior Transfer Doc	0064880097
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	423 SPRUCE ST, PLAINFIELD, NJ 07060-2035
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	EVIDENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 SPRUCE ST, PLAINFIELD, NJ 07060-2035
Investor	Possibly a Property Investor

Mortgage

Document Number	0157032012
Date	Oct 7, 2025
Book Page	15703/2012
Instrument	83861

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Nov 3, 2022
Property Address	423 SPRUCE ST, PLAINFIELD, NJ 07060-2035
Document Number	0064880097
Book / Page	6488 / 97
Instrument Date	Oct 24, 2002
Instrument	23990
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1346 CHETWYND AVE, PLAINFIELD, NJ 07060-3114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1346 CHETWYND AVE, PLAINFIELD, NJ 07060-3114
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 423 Spruce St was $5,025, up 2.2% 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		$56,300 (-) Land $20,200 Building $36,100	$56,300 (-) Land $20,200 Building $36,100
2025	$5,025.00 (+2.22%)	$56,300 Land $20,200 Building $36,100	$56,300 Land $20,200 Building $36,100
2024	$4,916.00
2023		$56,300 (-) Land $20,200 Building $36,100	$56,300 (-) Land $20,200 Building $36,100
2022	$4,762.00	$56,300 Land $20,200 Building $36,100	$56,300 Land $20,200 Building $36,100

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 423 Spruce St 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 423 Spruce 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 98% of the US · lower than 94% 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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