738 Central St, #40, Plainfield, NJ 07062 Property Records

Union County and Plainfield City property record for 738 Central St, #40, Plainfield, NJ 07062

Property Summary

Property Type	Single Family Home
Details	1,536 sqft · built 1931
Lot Size	0.219 acres (9,537 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2021)
Tax Bill	$9,720 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-00627-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`12-00627-0000-00002`
Alternative APNs	`120062700002` `07534000`

Interior

Stories	2 Stories
Building Area	1,536 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Construction Type	Frame
Lot Area	9,537 sqft (0.219 acres)
Lot Dimensions	190 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	07534000
Street Address	738 CENTRAL ST, 40
City	PLAINFIELD
State	NJ
Zip	07062-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	ADDITIONAL LOTS: 1536 SQ FT
Legal Subdivision	GARDEN STREET LTS
Legal Block	627
Legal Lot Number	2
Jurisdiction	UNION NJ
Township / Civil Division	PLAINFIELD
Census Block Group	1
Census Block	1002
Census Tract	39200

Owner

738 Central St, #40 is owned by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	738 CENTRAL AVE, PLAINFIELD, NJ 07060-2309
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 18, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 30, 2021	Deed, Transfer · Conventional Mortgage FAMILY FIRST FUNDING LLC
Jul 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	Oct 10, 2007 · Amount on File
Deed Document Number	20219983
Deed Book / Page	6432 / 476
Prior Transfer Date	Sep 20, 2021
Prior Transfer Doc	0064320476
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	738 CENTRAL ST # 40, 40, PLAINFIELD, NJ 07062-1819
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 CENTRAL ST, PLAINFIELD, NJ 07062-1819

Mortgage

Document Number	0154742317
Date	Mar 18, 2024
Book Page	15474/2317
Instrument	62955

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 3, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Sep 30, 2021
Property Address	738 CENTRAL ST # 40, 40, PLAINFIELD, NJ 07062-1819
Document Number	0064320476
Book / Page	6432 / 476
Instrument Date	Sep 20, 2021
Instrument	9983
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2036 W BROAD ST, 2036, SCOTCH PLAINS, NJ 07076-4755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 CENTRAL ST, PLAINFIELD, NJ 07062-1819

Mortgage

Document Number	0000022050
Date	Sep 30, 2021
Instrument	22050

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Jul 27, 2021
Property Address	738 CENTRAL ST # 40, 40, PLAINFIELD, NJ 07062-1819
Document Number	0064222789
Book / Page	6422 / 2789
Instrument Date	Jul 23, 2021
Instrument	7384
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 CENTRAL ST, PLAINFIELD, NJ 07062-1819

Mortgage

Document Number	0000017396
Date	Jul 27, 2021
Instrument	17396

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 738 Central St, #40 was $9,720, 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		$108,900 (-) Land $41,100 Building $67,800	$108,900 (-) Land $41,100 Building $67,800
2025	$9,720.00 (+2.22%)	$108,900 Land $41,100 Building $67,800	$108,900 Land $41,100 Building $67,800
2024	$9,509.00
2023		$108,900 Land $41,100 Building $67,800	$108,900 Land $41,100 Building $67,800
2022	$9,211.00

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 738 Central St, #40 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1998–2016)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Feb 2016 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 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 738 Central St, #40 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 97% of the US · lower than 92% 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 446 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

May also be available: Optimum.

Nearby Properties on Central St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures