120 Cedar St, Westfield, NJ 07090 Property Records

Union County and Westfield Town property record for 120 Cedar St, Westfield, NJ 07090

Property Summary

Property Type	Single Family Home
Details	2,740 sqft · built 1953
Lot Size	0.17 acres (7,401 sqft)
Owner	2 Individual Names on File
Last Sale	$1,142,000 (Jun 2022)
Tax Bill	$22,707 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-04908-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`20-04908-0000-00010`
Alternative APNs	`2000551000000004` `200490800010`

Interior

Stories	1 Story
Building Area	2,740 sqft Living Area
1st Floor Area	2,740 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,401 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 74 ft wide
Garage Type	Attached

Location & Zoning

Old Parcel Number	2000551000000004
Street Address	120 CEDAR ST
City	WESTFIELD
State	NJ
Zip	07090-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TOWNSHIP/WESTFIELD
Legal Block	4908
Legal Lot Number	10
Jurisdiction	UNION NJ
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1002
Census Tract	36800

Owner

120 Cedar St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 CEDAR ST, WESTFIELD, NJ 07090-1752
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
May 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 29, 2022	Deed, Subdivision Related Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 30, 2021	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on File
Deed Sale	Jun 29, 2022 · Amount on File
Prior Sale	Aug 30, 2021 · Amount on File
Deed Document Number	202219627
Deed Book / Page	6470 / 376
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	120 CEDAR ST, WESTFIELD, NJ 07090-1752
Transaction Type	Mortgage
Record Updated	Apr 11, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC OH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153662103
Date	May 19, 2023
Book Page	15366/2103
Instrument	52088

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 19, 2033

June 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jun 29, 2022
Property Address	120 CEDAR ST, WESTFIELD, NJ 07090-1752
Document Number	0064700376
Book / Page	6470 / 376
Instrument Date	Jun 23, 2022
Instrument	19627
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,713.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 CLIFTON ST, WESTFIELD, NJ 07090-1652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CEDAR ST, WESTFIELD, NJ 07090-1752

Mortgage

Document Number	0000039440
Date	Jun 29, 2022
Instrument	39440

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Aug 30, 2021
Property Address	120 CEDAR ST, WESTFIELD, NJ 07090-1752
Document Number	0064270414
Book / Page	6427 / 414
Instrument Date	Jul 29, 2021
Instrument	8721
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$3,839.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	689 SHADOWLAWN DR, WESTFIELD, NJ 07090-3360

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CLIFTON ST, WESTFIELD, NJ 07090-1652

Tax Assessment & Valuation

The 2025 property tax bill for 120 Cedar St was $22,707, 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		$990,700 (-) Land $371,600 Building $619,100	$990,700 (-) Land $371,600 Building $619,100
2025	$22,707.00 (+1.78%)	$990,700 Land $371,600 Building $619,100	$990,700 Land $371,600 Building $619,100
2024	$22,310.00
2023		$990,700 Land $371,600 Building $619,100	$990,700 Land $371,600 Building $619,100
2022	$21,399.00

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

Flood

FEMA maps place 120 Cedar St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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	4 in force
Nearby Flood Claims	2 (1999–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene

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 120 Cedar 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	Direct burnable vegetation

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 472 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

May also be available: Optimum, T-Mobile.

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