1004 Harding St, Westfield, NJ 07090 Property Records

Union County and Westfield Town property record for 1004 Harding St, Westfield, NJ 07090

Property Summary

Property Type	Single Family Home
Details	2,308 sqft · built 1949
Lot Size	0.234 acres (10,202 sqft)
Owner	2 Individual Names on File
Last Sale	$738,000 (Mar 2005)
Tax Bill	$18,288 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-03601-0000-00029`

Property Details

APN / Parcel Number

Primary APN	`20-03601-0000-00029`
Alternative APNs	`2000459000000021` `200360100029`

Interior

Stories	2 Stories
Building Area	2,308 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Colonial
Exterior Material	Stucco
Lot Area	10,202 sqft (0.234 acres)
Lot Dimensions	170 ft deep x 60 ft wide

Location & Zoning

Old Parcel Number	2000459000000021
Street Address	1004 HARDING ST
City	WESTFIELD
State	NJ
Zip	07090-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FAIRVIEW GARDENS
Legal Block	3601
Legal Lot Number	29
Jurisdiction	UNION NJ
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1014
Census Tract	36400

Owner

1004 Harding St is owned and occupied by two individuals who bought it in March 2005.

Source: Union County and Westfield Town records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1004 HARDING ST, WESTFIELD, NJ 07090-1218
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
Apr 1, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2005 · Amount on File
Deed Sale	Mar 21, 2005 · Amount on File
Deed Book / Page	5491 / 957
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1004 HARDING ST, WESTFIELD, NJ 07090-1218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145430960
Date	Apr 1, 2019
Book Page	14543/0960
Instrument	670882

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	1004 HARDING ST, WESTFIELD, NJ 07090-1218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148192872
Date	Nov 20, 2020
Book Page	14819/2872
Instrument	704052

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1004 Harding St was $18,288, up 1.8% from the year before.

Source: Union County and Westfield Town assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Westfield Town
Unified School District	Westfield Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$797,900 (-) Land $510,200 Building $287,700	$797,900 (-) Land $510,200 Building $287,700
2025	$18,288.00 (+1.78%)	$797,900 Land $510,200 Building $287,700	$797,900 Land $510,200 Building $287,700
2024	$17,968.00
2023		$797,900 Land $510,200 Building $287,700	$797,900 Land $510,200 Building $287,700
2022	$17,234.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1004 Harding St 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2011–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2016 · other causes

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 1004 Harding 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 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 592 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: T-Mobile.

Nearby Properties on Harding St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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