446 Willow Ave, Scotch Plains, NJ 07076 Property Records

Union County and Scotch Plains Township property record for 446 Willow Ave, Scotch Plains, NJ 07076

Property Summary

Property Type	Single Family Home
Details	1,298 sqft · built 1920
Lot Size	0.201 acres (8,751 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,000 (Dec 2009)
Tax Bill	$7,805 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`16-00503-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`16-00503-0000-00014`
Alternative APNs	`160050300014` `29200`

Interior

Stories	1 Story
Building Area	1,298 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	8,751 sqft (0.201 acres)
Lot Dimensions	175 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	29200
Street Address	446 WILLOW AVE
City	SCOTCH PLAINS
State	NJ
Zip	07076-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3A
Legal Description	INCL BLK 4 LOTS 34 & 35
Legal Subdivision	GRAND VIEW PARK
Legal Block	503
Legal Lot Number	14
Jurisdiction	UNION NJ
Township / Civil Division	SCOTCH PLAINS
Census Block Group	5
Census Block	5013
Census Tract	38400

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	446 WILLOW AVE, SCOTCH PLAINS, NJ 07076-1610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2009 · Amount on Record
Deed Sale	Dec 8, 2009 · Amount on Record
Prior Sale	Jun 15, 2006 · Amount on Record
Deed Document Number	2009210776
Deed Book / Page	5794 / 118
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	446 WILLOW AVE, SCOTCH PLAINS, NJ 07076-1610
Transaction Type	Mortgage
Record Updated	Feb 14, 2024
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC R

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151722175
Date	Feb 28, 2022
Book Page	15172/2175
Instrument	32866

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

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		$63,200 (-) Land $20,000 Building $43,200	$63,200 (-) Land $20,000 Building $43,200
2025	$7,805.00 (+4.95%)	$63,200 (-) Land $20,000 Building $43,200	$63,200 (-) Land $20,000 Building $43,200
2024	$7,437.00 (+4.28%)
2023		$63,200 Land $20,000 Building $43,200	$63,200 Land $20,000 Building $43,200
2022	$7,132.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	23 (1992–2025)
Claims Outside the SFHA	19 of 23
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 6 claims Severe Storms And Flooding, Oct 1996 · 6 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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 602 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
T-Mobile Fixed Wireless	100 / 20