Union County and Westfield Town property record for 303 Prospect St, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 3,087 sqft · built 1900 |
| Lot Size | 0.198 acres (8,638 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,570,000 (Jan 2026) |
| Tax Bill | $22,347 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jan 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-01004-0000-00018 |
| Primary APN | 20-01004-0000-00018 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,087 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 8,638 sqft (0.198 acres) |
| Lot Dimensions | 180 ft deep x 48 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2000109000000010 |
|---|---|
| Street Address | 303 PROSPECT ST |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TOWN/WESTFIELD |
| Legal Block | 1004 |
| Legal Lot Number | 18 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 36600 |
303 Prospect St is owned and occupied by two individuals who bought it in January 2026.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 10, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Jan 2, 2026 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Jul 8, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Aug 11, 2020 | Deed, Transfer · Conventional Mortgage MILLENIUM HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2026 · Amount on File |
| Deed Sale | Jan 2, 2026 · Amount on File |
| Prior Sale | Jul 8, 2022 · Amount on File |
| Deed Document Number | 202651927 |
| Deed Book / Page | 6606 / 2251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0153002396 |
|---|---|
| Date | Nov 10, 2022 |
| Book Page | 15300/2396 |
| Instrument | 45258 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jan 2, 2026 |
| Property Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Document Number | 0066062251 |
| Book / Page | 6606 / 2251 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 51927 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,172.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 SOUTH AVE # 354, 354, GARWOOD, NJ 07027-1235 |
| Name | Verified Name |
|---|---|
| Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Document Number | 0000087089 |
|---|---|
| Date | Jan 2, 2026 |
| Instrument | 87089 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jul 8, 2022 |
| Property Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Document Number | 0064712684 |
| Book / Page | 6471 / 2684 |
| Instrument Date | Jun 29, 2022 |
| Instrument | 19967 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | REALSAFE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 920 HIGHLAND AVE, WESTFIELD, NJ 07090-3074 |
| Name | Verified Name |
|---|---|
| Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Document Number | 0000039935 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 39935 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.25% |
| Index | Other |
| Max Rate | 9.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Aug 11, 2020 |
| Property Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Document Number | 0063770459 |
| Book / Page | 6377 / 459 |
| Instrument Date | Jul 25, 2020 |
| Instrument | 326823 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 CHETS LN, 107, SHOHOLA, PA 18458-2116 |
| Name | Verified Name |
|---|---|
| Address | 303 PROSPECT ST, WESTFIELD, NJ 07090-4007 |
| Document Number | 696515 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 696515 |
| Name | MILLENIUM HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 303 Prospect St was $22,347, up 1.8% from the year before.
Source: Union County and Westfield Town assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Westfield Town |
| Unified School District | Westfield Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $975,000 (-) Land $519,200 Building $455,800 | $975,000 (-) Land $519,200 Building $455,800 | |
| 2025 | $22,347.00 (+1.78%) | $975,000 Land $519,200 Building $455,800 | $975,000 Land $519,200 Building $455,800 |
| 2024 | $21,957.00 | ||
| 2023 | $924,000 Land $519,200 Building $404,800 | $924,000 Land $519,200 Building $404,800 | |
| 2022 | $19,958.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 303 Prospect St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 | 4 (1979–2021) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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.
The area around 303 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 379 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 |
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