Union County and Summit City property record for 103 Orchard St, Summit, NJ 07901
| Property Type | Single Family Home |
|---|---|
| Details | 1,529 sqft · built 1913 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Company Name on File |
| Last Sale | $645,000 (Aug 2021) |
| Tax Bill | $7,811 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-03914-0000-00004 |
| Primary APN | 18-03914-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,529 sqft Living Area |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,492 sqft (0.172 acres) |
| Old Parcel Number | 1800023A00003 |
|---|---|
| Street Address | 103 ORCHARD ST |
| City | SUMMIT |
| State | NJ |
| Zip | 07901-4230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Subdivision | CITY/SUMMIT |
| Legal Block | 3914 |
| Legal Lot Number | 4 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SUMMIT |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 38000 |
Source: Union County and Summit City records, as of July 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 608 WASHINGTON AVE, KENILWORTH, NJ 07033-1250 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 9, 2021 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2021 · Amount on File |
| Deed Sale | Aug 9, 2021 · Amount on File |
| Prior Sale | May 21, 2015 · Amount on File |
| Deed Document Number | 20217931 |
| Deed Book / Page | 6424 / 302 |
| Prior Transfer Date | Jul 15, 1999 |
| Prior Transfer Doc | 0000069385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 103 ORCHARD ST, SUMMIT, NJ 07901-4230 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0157092676 |
|---|---|
| Date | Oct 22, 2025 |
| Book Page | 15709/2676 |
| Instrument | 84387 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 10, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Aug 9, 2021 |
| Property Address | 103 ORCHARD ST, SUMMIT, NJ 07901-4230 |
| Document Number | 0064240302 |
| Book / Page | 6424 / 302 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 7931 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,662.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 SUMMIT AVE, SUMMIT, NJ 07901-3519 |
| Name | Verified Name |
|---|---|
| Address | 608 WASHINGTON AVE, KENILWORTH, NJ 07033-1250 |
| Investor | Possibly a Property Investor |
| Document Number | 0000018310 |
|---|---|
| Date | Aug 9, 2021 |
| Instrument | 18310 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Union County and Summit City assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Summit City |
| Unified School District | Summit City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $174,700 (-) Land $68,000 Building $106,700 | $174,700 (-) Land $68,000 Building $106,700 | |
| 2025 | $7,811.00 (+2.64%) | $174,700 (-) Land $68,000 Building $106,700 | $174,700 (-) Land $68,000 Building $106,700 |
| 2024 | $7,610.00 (+1.71%) | ||
| 2023 | $174,700 Land $68,000 Building $106,700 | $174,700 Land $68,000 Building $106,700 | |
| 2022 | $7,482.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2014 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 94% 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 - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 528 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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