Union County and Westfield Town property record for 408 Summit Ave, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 2,892 sqft · built 1880 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $705,000 (Sep 2005) |
| Tax Bill | $13,596 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-03003-0000-00011 |
| Primary APN | 20-03003-0000-00011 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,892 sqft Living Area |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 150 ft deep x 54 ft wide |
| Garage Type | Detached |
| Old Parcel Number | 2000607000000003 |
|---|---|
| Street Address | 408 SUMMIT AVE |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-3217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3003 |
| Legal Lot Number | 11 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 36700 |
408 Summit Ave is owned and occupied by two individuals who bought it in September 2005.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 SUMMIT AVE, WESTFIELD, NJ 07090-3217 |
| 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.
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED NATIONS FCU |
| Mar 20, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED NATIONS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2005 · Amount on File |
| Deed Sale | Sep 1, 2005 · Amount on File |
| Prior Sale | Jan 12, 2001 · Amount on File |
| Deed Book / Page | 5527 / 532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 23, 2026 |
| Property Address | 408 SUMMIT AVE, WESTFIELD, NJ 07090-3217 |
| Document Number | 0000093898 |
| Book / Page | 15819 / 2806 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202693898 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 408 SUMMIT AVE, WESTFIELD, NJ 07090-3217 |
| Investor | Possibly a Property Investor |
| Document Number | 0000093898, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 15819/2806 |
| Instrument | 202693898 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 17, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 408 SUMMIT AVE, WESTFIELD, NJ 07090-3217 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0151452688 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 15145/2688 |
| Instrument | 29492 |
| Name | UNITED NATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | LONG ISLAND CITY, NY 11101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 408 SUMMIT AVE, WESTFIELD, NJ 07090-3217 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0144180984 |
|---|---|
| Date | Mar 20, 2018 |
| Book Page | 14418/0984 |
| Instrument | 655042 |
| Name | UNITED NATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | LONG ISLAND CITY, NY 11101 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2038 |
The 2025 property tax bill for 408 Summit Ave was $13,596, 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 | $593,200 (-) Land $272,000 Building $321,200 | $593,200 (-) Land $272,000 Building $321,200 | |
| 2025 | $13,596.00 (+1.78%) | $593,200 Land $272,000 Building $321,200 | $593,200 Land $272,000 Building $321,200 |
| 2024 | $13,358.00 | ||
| 2023 | $593,200 Land $272,000 Building $321,200 | $593,200 Land $272,000 Building $321,200 | |
| 2022 | $12,813.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 5 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
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 408 Summit Ave 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 499 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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