Union County and Westfield Town property record for 646 Downer St, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 1,998 sqft · built 1915 |
| Lot Size | 0.2 acres (8,699 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Jun 2022) |
| Tax Bill | $11,703 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02710-0000-00021 |
| Primary APN | 20-02710-0000-00021 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,998 sqft Living Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,699 sqft (0.2 acres) |
| Lot Dimensions | 145 ft deep x 60 ft wide |
| Old Parcel Number | 2000725000000014 |
|---|---|
| Street Address | 646 DOWNER ST |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-4115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HARRIS & OSBORN/WESTFIELD |
| Legal Block | 2710 |
| Legal Lot Number | 21 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 36600 |
Source: Union County and Westfield Town records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 646 DOWNER ST, WESTFIELD, NJ 07090-4115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Dec 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BANK |
| Sep 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BANK |
| Jun 19, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2022 · Amount on Record |
| Deed Sale | Jun 21, 2022 · Amount on Record |
| Prior Sale | Jun 14, 2004 · Amount on Record |
| Deed Document Number | 202219309 |
| Deed Book / Page | 6469 / 2122 |
| Prior Transfer Date | Apr 12, 2013 |
| Prior Transfer Doc | 0059580314 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jun 21, 2022 |
| Property Address | 646 DOWNER ST, WESTFIELD, NJ 07090-4115 |
| Document Number | 0064692122 |
| Book / Page | 6469 / 2122 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 19309 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2022 |
| Title Company | REALSAFE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 646 DOWNER ST, 646, WESTFIELD, NJ 07090-4115 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 646 DOWNER ST, WESTFIELD, NJ 07090-4115 |
| Document Number | 0000039013 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 39013 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 646 DOWNER ST, WESTFIELD, NJ 07090-4115 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0151192016 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 15119/2016 |
| Instrument | 26684 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 646 DOWNER ST, WESTFIELD, NJ 07090-4115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST JERSEY TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0145970160 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 14597/0160 |
| Instrument | 678789 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 646 DOWNER ST, WESTFIELD, NJ 07090-4115 |
| Document Number | 0142960272 |
| Book / Page | 014296 / 000272 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 646 DOWNER ST WESTFIELD NJ 070904115, WESTFIELD, NJ 07090-4115 |
| Document Number | 0142960272 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 014296/000272 |
| Instrument | 642720 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 4, 2047 |
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 | $510,600 (-) Land $330,200 Building $180,400 | $510,600 (-) Land $330,200 Building $180,400 | |
| 2025 | $11,703.00 (+1.77%) | $510,600 (-) Land $330,200 Building $180,400 | $510,600 (-) Land $330,200 Building $180,400 |
| 2024 | $11,499.00 (+4.78%) | ||
| 2023 | $510,600 Land $330,200 Building $180,400 | $510,600 Land $330,200 Building $180,400 | |
| 2022 | $10,974.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 587 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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