Union County and Westfield Town property record for 641 Elm St, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 3,768 sqft · built 1911 |
| Lot Size | 0.319 acres (13,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,591,000 (May 2021) |
| Tax Bill | $29,083 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Nov 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-01002-0000-00004 |
| Primary APN | 20-01002-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,768 sqft Living Area |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Architectural Style | Colonial |
| Construction Type | Frame |
| Lot Area | 13,874 sqft (0.319 acres) |
| Lot Dimensions | 185 ft deep x 75 ft wide |
| Garage Type | Detached |
| Old Parcel Number | 2000211000000003 |
|---|---|
| Street Address | 641 ELM ST |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-3100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PEARSALL CO |
| Legal Block | 1002 |
| Legal Lot Number | 4 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 36500 |
641 Elm St is owned and occupied by two individuals who bought it in May 2021.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 641 ELM ST, WESTFIELD, NJ 07090-3100 |
| 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 |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA |
| Nov 30, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 3, 2021 | Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2021 · Amount on File |
| Deed Sale | May 3, 2021 · Amount on File |
| Prior Sale | May 7, 2015 · Amount on File |
| Deed Document Number | 20214277 |
| Deed Book / Page | 6411 / 2231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Apr 29, 2026 |
| Property Address | 641 ELM ST, WESTFIELD, NJ 07090-3100 |
| Document Number | 0000091948 |
| Book / Page | 15794 / 2603 |
| Instrument Date | Apr 18, 2026 |
| Instrument | 202691948 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 641 ELM ST, WESTFIELD, NJ 07090-3100 |
| Document Number | 0000091948, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 15794/2603 |
| Instrument | 202691948 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 18, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 641 ELM ST, WESTFIELD, NJ 07090-3100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0151122103 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 15112/2103 |
| Instrument | 25958 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 13, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | May 3, 2021 |
| Property Address | 641 ELM ST, WESTFIELD, NJ 07090-3100 |
| Document Number | 0064112231 |
| Book / Page | 6411 / 2231 |
| Instrument Date | Apr 14, 2021 |
| Instrument | 4277 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | TITLE MASTERS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,636.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 BURNETT RD, MENDHAM, NJ 07945-3111 |
| Name | Verified Name |
|---|---|
| Address | 641 ELM ST, WESTFIELD, NJ 07090-3100 |
| Document Number | 0000011033 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 11033 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 641 Elm St was $29,083, 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 | $1,268,900 (-) Land $727,600 Building $541,300 | $1,268,900 (-) Land $727,600 Building $541,300 | |
| 2025 | $29,083.00 (+1.77%) | $1,268,900 Land $727,600 Building $541,300 | $1,268,900 Land $727,600 Building $541,300 |
| 2024 | $28,576.00 | ||
| 2023 | $1,268,900 Land $727,600 Building $541,300 | $1,268,900 Land $727,600 Building $541,300 | |
| 2022 | $27,408.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 Elm 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 641 Elm 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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