323 Prospect St, Westfield, NJ 07090 Property Records

Union County and Westfield Town property record for 323 Prospect St, Westfield, NJ 07090

Property Summary

Property Type	Single Family Home
Details	3,835 sqft · built 1900
Lot Size	0.322 acres (14,026 sqft)
Owner	2 Individual Names on File
Last Sale	$717,225 (Sep 2002)
Tax Bill	$24,997 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-01004-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`20-01004-0000-00014`
Alternative APNs	`2000109000000006` `200100400014`

Interior

Stories	3 Stories
Building Area	3,835 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Construction Type	Frame
Lot Area	14,026 sqft (0.322 acres)
Lot Dimensions	187 ft deep x 75 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2000109000000006
Street Address	323 PROSPECT ST
City	WESTFIELD
State	NJ
Zip	07090-4007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1004
Legal Lot Number	14
Jurisdiction	UNION NJ
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1012
Census Tract	36600

Owner

323 Prospect St is owned and occupied by two individuals who bought it in September 2002.

Source: Union County and Westfield Town records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	323 PROSPECT ST, WESTFIELD, NJ 07090-4007
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2002 · Amount on File
Deed Sale	Sep 3, 2002 · Amount on File
Prior Sale	Dec 7, 1993 · Amount on File
Deed Book / Page	5317 / 291
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	323 PROSPECT ST, WESTFIELD, NJ 07090-4007
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	SURETY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147122489
Date	Jun 17, 2020
Book Page	14712/2489
Instrument	693259

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 323 Prospect St was $24,997, 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		$1,090,600 (-) Land $568,800 Building $521,800	$1,090,600 (-) Land $568,800 Building $521,800
2025	$24,997.00 (+1.78%)	$1,090,600 Land $568,800 Building $521,800	$1,090,600 Land $568,800 Building $521,800
2024	$24,560.00
2023		$1,052,400 Land $568,800 Building $483,600	$1,052,400 Land $568,800 Building $483,600
2022	$21,420.00

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

Flood

FEMA maps place 323 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	Hurricane Irene, Aug 2011 · 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 323 Prospect 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 98% of the US · lower than 94% 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 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