Union County and Westfield Town property record for 418 Prospect St, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 1,632 sqft · built 1961 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $905,000 (Jan 2023) |
| Tax Bill | $16,427 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-01003-0000-00020 |
| Primary APN | 20-01003-0000-00020 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,632 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 196 ft deep x 60 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2000210000000017 |
|---|---|
| Street Address | 418 PROSPECT ST |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-4053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1003 |
| Legal Lot Number | 20 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 36600 |
418 Prospect St is owned and occupied by an individual who bought it in January 2023.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 418 PROSPECT ST, WESTFIELD, NJ 07090-4053 |
| 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 |
|---|---|
| Oct 20, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 17, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage BERKSHIRE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2023 · Amount on File |
| Deed Sale | Jan 17, 2023 · Amount on File |
| Prior Sale | Nov 18, 2016 · Amount on File |
| Deed Document Number | 202325949 |
| Deed Book / Page | 6496 / 2642 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 418 PROSPECT ST, WESTFIELD, NJ 07090-4053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0150840070 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 15084/70 |
| Instrument | 23297 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jan 17, 2023 |
| Property Address | 418 PROSPECT ST, WESTFIELD, NJ 07090-4053 |
| Document Number | 0064962642 |
| Book / Page | 6496 / 2642 |
| Instrument Date | Nov 3, 2022 |
| Instrument | 25949 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | CLEAR SKIES TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,473.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 SHADOWLAWN DR, WESTFIELD, NJ 07090-3349 |
| Name | Verified Name |
|---|---|
| Address | 418 PROSPECT ST, WESTFIELD, NJ 07090-4053 |
| Document Number | 0000047709 |
|---|---|
| Date | Jan 17, 2023 |
| Instrument | 47709 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
The 2025 property tax bill for 418 Prospect St was $16,427, up 0.3% 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 | $735,200 (+2.58%) Land $524,800 Building $210,400 | $735,200 (+2.58%) Land $524,800 Building $210,400 | |
| 2025 | $16,427.00 (+0.25%) | $716,700 Land $524,800 Building $191,900 | $716,700 Land $524,800 Building $191,900 |
| 2024 | $16,386.00 | ||
| 2023 | $679,000 Land $524,800 Building $154,200 | $679,000 Land $524,800 Building $154,200 | |
| 2022 | $14,666.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 418 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.
Wildfire risk around 418 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.
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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