649 Prospect St, Westfield, NJ 07090 Property Records

Union County and Westfield Town property record for 649 Prospect St, Westfield, NJ 07090

Property Summary

Property Type	Single Family Home
Details	4,078 sqft · built 2017
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$1,284,000 (Jan 2018)
Tax Bill	$29,954 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-01001-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`20-01001-0000-00014`
Alternative APNs	`2000127000000005` `200100100014`

Interior

Stories	2 Stories
Building Area	4,078 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Construction Type	Frame
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	2000127000000005
Street Address	649 PROSPECT ST
City	WESTFIELD
State	NJ
Zip	07090-3906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TOWNSHIP/WESTFIELD
Legal Block	1001
Legal Lot Number	14
Jurisdiction	UNION NJ
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3000
Census Tract	36500

Owner

649 Prospect St is owned and occupied by two individuals who bought it in January 2018.

Source: Union County and Westfield Town records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	649 PROSPECT ST, WESTFIELD, NJ 07090-3906
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2018 · Amount on File
Deed Sale	Jan 3, 2018 · Amount on File
Prior Sale	Jun 30, 2016 · Amount on File
Deed Document Number	2018295285
Prior Transfer Date	Jun 3, 2013
Prior Transfer Doc	0059550828
Record Updated	Sep 20, 2026

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Jan 3, 2018
Property Address	649 PROSPECT ST, WESTFIELD, NJ 07090-3906
Document Number	0062370895
Book / Page	006237 / 000895
Instrument Date	Nov 16, 2017
Instrument	295285
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	STEWART LENDER SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,284.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 PROSPECT ST WESTFIELD NJ 070903906, WESTFIELD, NJ 07090-3906

Mortgage

Document Number	143880136
Date	Jan 3, 2018
Book Page	014388/000136
Instrument	651650

Lender

Name	CAPITAL ONE NA
Type	Funding / Finance Company
Address	7933 PRESTON RD, PLANO, TX 75024-2302

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 649 Prospect St was $29,954, up 1.8% from the year before.

Source: Union County and Westfield Town assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Westfield Town
Unified School District	Westfield Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,306,900 (-) Land $692,000 Building $614,900	$1,306,900 (-) Land $692,000 Building $614,900
2025	$29,954.00 (+1.78%)	$1,306,900 Land $692,000 Building $614,900	$1,306,900 Land $692,000 Building $614,900
2024	$29,431.00
2023		$1,306,900 Land $692,000 Building $614,900	$1,306,900 Land $692,000 Building $614,900
2022	$28,229.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 649 Prospect St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (2010–2012)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 649 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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