402 Prospect St, Westfield, NJ 07090 Property Records

Union County and Westfield Town property record for 402 Prospect St, Westfield, NJ 07090

Property Summary

Property Type	Single Family Home
Details	3,769 sqft · built 1900
Lot Size	0.228 acres (9,910 sqft)
Owner	Company Name on File
Last Sale	$1,755,000 (Jan 2022)
Tax Bill	$25,015 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-01003-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`20-01003-0000-00017`
Alternative APNs	`2000210000000014` `200100300017`

Interior

Stories	2 Stories
Building Area	3,769 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Lot Area	9,910 sqft (0.228 acres)
Lot Dimensions	168 ft deep x 59 ft wide
Garage Type	Detached

Location & Zoning

Old Parcel Number	2000210000000014
Street Address	402 PROSPECT ST
City	WESTFIELD
State	NJ
Zip	07090-4053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1003
Legal Lot Number	17
Jurisdiction	UNION NJ
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1007
Census Tract	36600

Owner

402 Prospect St is owned by a company that bought it in January 2022.

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

Owner of Record	Company Name on File
Mailing Address	402 PROSPECT ST, WESTFIELD, NJ 07090-4053
Owner Type	Company
Vesting	Borrower in Default

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	Name on Deed
Last Sale	Jan 13, 2022 · Amount on File
Deed Sale	Jan 13, 2022 · Amount on File
Prior Sale	Oct 30, 1987 · Amount on File
Deed Document Number	202213766
Deed Book / Page	6447 / 91
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jan 13, 2022
Property Address	402 PROSPECT ST, WESTFIELD, NJ 07090-4053
Document Number	0064470091
Book / Page	6447 / 91
Instrument Date	Dec 28, 2021
Instrument	13766
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	PRESTIGE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,260.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2868 CROTON RD, MELBOURNE, FL 32935

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	402 PROSPECT ST, WESTFIELD, NJ 07090-4053

Mortgage

Document Number	0000029251
Date	Jan 13, 2022
Instrument	29251

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 402 Prospect St was $25,015, 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		$1,091,400 (-) Land $531,200 Building $560,200	$1,091,400 (-) Land $531,200 Building $560,200
2025	$25,015.00 (+1.78%)	$1,091,400 Land $531,200 Building $560,200	$1,091,400 Land $531,200 Building $560,200
2024	$24,578.00
2023		$1,091,400 Land $531,200 Building $560,200	$1,091,400 Land $531,200 Building $560,200
2022	$21,237.00

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

Flood

FEMA maps place 402 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 402 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 99.1% of the US · lower than 97.3% 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