Union County and Scotch Plains Township property record for 431 Jerusalem Rd, Scotch Plains, NJ 07076
| Property Type | Single Family Home |
|---|---|
| Details | 1,275 sqft · built 1947 |
| Lot Size | 0.757 acres (32,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Sep 2014) |
| Tax Bill | $13,387 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-04501-0000-00028 |
| Primary APN | 16-04501-0000-00028 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,275 sqft Living Area |
| 1st Floor Area | 1,275 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 32,975 sqft (0.757 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 270000 |
|---|---|
| Street Address | 431 JERUSALEM RD |
| City | SCOTCH PLAINS |
| State | NJ |
| Zip | 07076-2008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Subdivision | SCOTCH PLAINS TOWNSHIP |
| Legal Block | 4501 |
| Legal Lot Number | 28 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SCOTCH PLAINS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 38500 |
431 Jerusalem Rd is owned and occupied by two individuals who bought it in September 2014.
Source: Union County and Scotch Plains Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 JERUSALEM RD, SCOTCH PLAINS, NJ 07076-2008 |
| 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.
| Date | Document |
|---|---|
| Aug 15, 2022 | Deed of Trust, Mortgage · Line of Credit AFFINITY FCU |
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2014 · Amount on File |
| Deed Sale | Sep 17, 2014 · Amount on File |
| Prior Sale | Mar 14, 2002 · Amount on File |
| Deed Document Number | 2014254470 |
| Deed Book / Page | 6022 / 621 |
| Prior Transfer Date | Mar 1, 2002 |
| Prior Transfer Doc | 0052430275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 431 JERUSALEM RD, SCOTCH PLAINS, NJ 07076-2008 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0152632876 |
|---|---|
| Date | Aug 15, 2022 |
| Book Page | 15263/2876 |
| Instrument | 41775 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 431 JERUSALEM RD, SCOTCH PLAINS, NJ 07076-2008 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0149872102 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 14987/2102 |
| Instrument | 14330 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 431 Jerusalem Rd was $13,387, up 4.9% from the year before.
Source: Union County and Scotch Plains Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Scotch Plains Township |
| Unified School District | Scotch Plains-Fanwood Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $108,400 (-) Land $42,900 Building $65,500 | $108,400 (-) Land $42,900 Building $65,500 | |
| 2025 | $13,387.00 (+4.94%) | $108,400 Land $42,900 Building $65,500 | $108,400 Land $42,900 Building $65,500 |
| 2024 | $12,757.00 | ||
| 2023 | $108,400 Land $42,900 Building $65,500 | $108,400 Land $42,900 Building $65,500 | |
| 2022 | $12,232.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 431 Jerusalem Rd 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 risk around 431 Jerusalem Rd is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 544 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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