654 Prospect Ave, West Orange, NJ 07052 Property Records

Essex County and West Orange Township property record for 654 Prospect Ave, West Orange, NJ 07052

Property Summary

Property Type	Single Family Home
Details	2,112 sqft · built 1950
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Mar 2021)
Tax Bill	$17,935 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2200082A00007G`

Property Details

APN / Parcel Number

Primary APN	`2200082A00007G`
Alternative APNs	`22-00082-01-00007-07` `22000820001000070007`

Interior

Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	181 ft deep x 82 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2200082A00007G
Street Address	654 PROSPECT AVE
City	WEST ORANGE
State	NJ
Zip	07052-3220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	81.82X181
Legal Block	82.1
Legal Lot Number	7.7
Jurisdiction	ESSEX NJ
Township / Civil Division	WEST ORANGE
Census Block Group	4
Census Block	4000
Census Tract	17500

Owner

654 Prospect Ave is owned and occupied by two individuals who bought it in March 2021.

Source: Essex County and West Orange Township records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 PROSPECT AVE, WEST ORANGE, NJ 07052-3220
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed, Transfer · Conventional Mortgage US BANK NA
Nov 10, 2020	Grant Deed, Transfer · Conventional with PMI ABL TWO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on File
Deed Sale	Mar 30, 2021 · Amount on File
Prior Sale	Nov 10, 2020 · Amount on File
Deed Document Number	202138823
Record Updated	Sep 20, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Mar 30, 2021
Property Address	654 PROSPECT AVE, WEST ORANGE, NJ 07052-3220
Document Number	0000038823
Instrument Date	Mar 11, 2021
Instrument	2021038823
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 PROSPECT AVE, WEST ORANGE, NJ 07052-3220

Mortgage

Document Number	0000038824
Date	Mar 30, 2021
Instrument	2021038824

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Nov 10, 2020
Property Address	654 PROSPECT AVE, WEST ORANGE, NJ 07052-3220
Document Number	0000111552
Instrument Date	Sep 9, 2020
Instrument	111552
Transaction Type	Transfer
Record Updated	Nov 27, 2020
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	654 PROSPECT AVE WEST ORANGE NJ 070523220, WEST ORANGE, NJ 07052-3220

Mortgage

Document Number	111553
Date	Nov 10, 2020
Instrument	111553

Lender

Name	ABL TWO LLC
Address	JERSEY CITY, NJ 07302

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 654 Prospect Ave was $17,935, up 35.6% from the year before.

Source: Essex County and West Orange Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	West Orange Township
Unified School District	West Orange Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$682,700 (-) Land $307,500 Building $375,200	$682,700 (-) Land $307,500 Building $375,200
2025	$17,935.00 (+35.65%)	$682,700 Land $307,500 Building $375,200	$682,700 Land $307,500 Building $375,200
2024	$13,222.00
2023		$282,300 Land $109,300 Building $173,000	$282,300 Land $109,300 Building $173,000
2022	$12,525.00

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 654 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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	1 in force
Nearby Flood Claims	2 (2011–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2022 · rainfall accumulation

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 654 Prospect 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 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 - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	3 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	1 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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