Union County and Westfield Town property record for 320 Highgate Ave, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 2,895 sqft · built 1957 |
| Lot Size | 0.217 acres (9,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,550,000 (May 2026) |
| Tax Bill | $21,162 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02811-0000-00028 |
| Primary APN | 20-02811-0000-00028 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,895 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Split Level |
| Lot Area | 9,431 sqft (0.217 acres) |
| Lot Dimensions | 115 ft deep x 82 ft wide |
| Old Parcel Number | 2000748000000027A |
|---|---|
| Street Address | 320 HIGHGATE AVE |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-4403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2811 |
| Legal Lot Number | 28 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 36700 |
320 Highgate Ave is owned and occupied by two individuals who bought it in May 2026.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 HIGHGATE AVE, WESTFIELD, NJ 07090-4403 |
| 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 |
|---|---|
| May 5, 2023 | Deed of Trust, Mortgage · Line of Credit AFFINITY FCU |
| Feb 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY FCU |
| May 6, 2026 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A |
| Apr 10, 2017 | Loan Modification, Mortgage · Conventional Mortgage SANTANDER BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on File |
| Deed Sale | May 6, 2026 · Amount on File |
| Prior Sale | Dec 3, 1998 · Amount on File |
| Deed Document Number | 202654591 |
| Deed Book / Page | 6617 / 2694 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 320 HIGHGATE AVE, WESTFIELD, NJ 07090-4403 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0153602726 |
|---|---|
| Date | May 5, 2023 |
| Book Page | 15360/2726 |
| Instrument | 51605 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 320 HIGHGATE AVE, WESTFIELD, NJ 07090-4403 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0148922774 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 14892/2774 |
| Instrument | 4980 |
| Name | AFFINITY FCU |
|---|---|
| Type | Credit Union |
| Address | BASKING RIDGE, NJ 07920 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Feb 1, 2036 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | Other |
| Max Rate | 7.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | May 6, 2026 |
| Property Address | 320 HIGHGATE AVE, WESTFIELD, NJ 07090-4403 |
| Document Number | 0000054591 |
| Book / Page | 6617 / 2694 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 2026.54591 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | REALSAFE TITLE LLC, REALSAFE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156,550.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 HIGHGATE AVE, WESTFIELD, NJ 07090-4403 |
| Document Number | 0000092208, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 15797/2594 |
| Instrument | 2026.92208 |
| Name | JPMORGAN CHASE BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 320 HIGHGATE AVE, WESTFIELD, NJ 07090-4403 |
| Document Number | 0143452128 |
| Book / Page | 014345 / 002128 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 320 HIGHGATE AVE WESTFIELD NJ 070904403, WESTFIELD, NJ 07090-4403 |
| Document Number | 0143452128 |
|---|---|
| Date | Oct 10, 2017 |
| Book Page | 014345/002128 |
| Instrument | 647471 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | FLINT, MI 48501-2026 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 9, 2057 |
The 2025 property tax bill for 320 Highgate Ave was $21,162, 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 | $923,300 (-) Land $539,800 Building $383,500 | $923,300 (-) Land $539,800 Building $383,500 | |
| 2025 | $21,162.00 (+1.77%) | $923,300 Land $539,800 Building $383,500 | $923,300 Land $539,800 Building $383,500 |
| 2024 | $20,793.00 | ||
| 2023 | $923,300 Land $539,800 Building $383,500 | $923,300 Land $539,800 Building $383,500 | |
| 2022 | $19,943.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Highgate Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 risk around 320 Highgate 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 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.
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 554 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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