Union County and Westfield Town property record for 830 Harding St, Westfield, NJ 07090
| Property Type | Single Family Home |
|---|---|
| Details | 2,589 sqft · built 1947 |
| Lot Size | 0.203 acres (8,838 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Jul 2020) |
| Tax Bill | $19,741 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-03402-0000-00019 |
| Primary APN | 20-03402-0000-00019 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,589 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Lot Area | 8,838 sqft (0.203 acres) |
| Lot Dimensions | 170 ft deep x 52 ft wide |
| Garage Type | Attached |
| Old Parcel Number | 2000457000000008 |
|---|---|
| Street Address | 830 HARDING ST |
| City | WESTFIELD |
| State | NJ |
| Zip | 07090-1332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3402 |
| Legal Lot Number | 19 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 36400 |
830 Harding St is owned and occupied by two individuals who bought it in July 2020.
Source: Union County and Westfield Town records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 830 HARDING ST, WESTFIELD, NJ 07090-1332 |
| 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 |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jul 15, 2020 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2020 · Amount on File |
| Deed Sale | Jul 15, 2020 · Amount on File |
| Prior Sale | Dec 5, 1996 · Amount on File |
| Deed Document Number | 2020326004 |
| Deed Book / Page | 6374 / 2527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 830 HARDING ST, WESTFIELD, NJ 07090-1332 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 830 HARDING ST, WESTFIELD, NJ 07090-1332 |
| Document Number | 0151042046 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 15104/2046 |
| Instrument | 25221 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 18, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 830 HARDING ST, WESTFIELD, NJ 07090-1332 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | REALSAFE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0150912554 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 15091/2554 |
| Instrument | 23996 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jul 15, 2020 |
| Property Address | 830 HARDING ST, WESTFIELD, NJ 07090-1332 |
| Document Number | 0063742527 |
| Book / Page | 6374 / 2527 |
| Instrument Date | May 26, 2020 |
| Instrument | 326004 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | REALSAFE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,609.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1006 W RIDGE DR, 1006, GOULDSBORO, PA 18424-9237 |
| Name | Verified Name |
|---|---|
| Address | 830 HARDING ST, WESTFIELD, NJ 07090-1332 |
| Document Number | 694911 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 694911 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 830 Harding St was $19,741, 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 | $861,300 (-) Land $500,900 Building $360,400 | $861,300 (-) Land $500,900 Building $360,400 | |
| 2025 | $19,741.00 (+1.78%) | $861,300 Land $500,900 Building $360,400 | $861,300 Land $500,900 Building $360,400 |
| 2024 | $19,396.00 | ||
| 2023 | $861,300 Land $500,900 Building $360,400 | $861,300 Land $500,900 Building $360,400 | |
| 2022 | $18,604.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 830 Harding St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 13 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 2 (2011–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2016 · other causes |
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 830 Harding 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 97% of the US · lower than 92% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 525 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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