Union County and Westfield Town property record for 622 Prospect St, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 2,492 sqft · built 1913 |
| Lot Size | 0.273 acres (11,905 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,425,000 (Jul 2025) |
| Tax Bill | $21,802 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-01002-0000-00034 |
| Primary APN | 20-01002-0000-00034 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,492 sqft Living Area |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 11,905 sqft (0.273 acres) |
| Lot Dimensions | 186 ft deep x 64 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 2000211000000033 |
|---|---|
| Street Address | 622 PROSPECT ST |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-3931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INCL LOT 10 |
| Legal Subdivision | WESTFIELD |
| Legal Block | 1002 |
| Legal Lot Number | 34 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 36500 |
622 Prospect St is owned and occupied by two individuals who bought it in July 2025.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 622 PROSPECT ST, WESTFIELD, NJ 07090-3931 |
| 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 |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 19, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on File |
| Deed Sale | Jul 15, 2025 · Amount on File |
| Prior Sale | Jul 19, 2021 · Amount on File |
| Deed Document Number | 202547721 |
| Deed Book / Page | 6587 / 2916 |
| Prior Transfer Date | Jun 29, 1994 |
| Prior Transfer Doc | 0000006417 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 622 PROSPECT ST, WESTFIELD, NJ 07090-3931 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 622 PROSPECT ST, WESTFIELD, NJ 07090-3931 |
| Document Number | 0157132530 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 15713/2530 |
| Instrument | 84686 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 6.87% |
| Index | SOFR Average 30-Day |
| Max Rate | 9.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jul 19, 2021 |
| Property Address | 622 PROSPECT ST, WESTFIELD, NJ 07090-3931 |
| Document Number | 0064212795 |
| Book / Page | 6421 / 2795 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 7115 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 622 PROSPECT ST, WESTFIELD, NJ 07090-3931 |
| Name | Verified Name |
|---|---|
| Address | 622 PROSPECT ST, WESTFIELD, NJ 07090-3931 |
| Document Number | 0000016905 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 16905 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 622 Prospect St was $21,802, 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 | $951,200 (-) Land $673,700 Building $277,500 | $951,200 (-) Land $673,700 Building $277,500 | |
| 2025 | $21,802.00 (+1.78%) | $951,200 Land $673,700 Building $277,500 | $951,200 Land $673,700 Building $277,500 |
| 2024 | $21,421.00 | ||
| 2023 | $951,200 Land $673,700 Building $277,500 | $951,200 Land $673,700 Building $277,500 | |
| 2022 | $20,545.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 622 Prospect St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.
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 | 2 (2019–2021) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 622 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 96% of the US · lower than 89% 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 487 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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