Union County and Summit City property record for 12 Clark St, Summit, NJ 07901
| Property Type | Single Family Home |
|---|---|
| Details | 1,368 sqft · built 1961 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Oct 2024) |
| Tax Bill | $8,437 (2025) |
| Deeds & Mortgages | Nov 2023 Reverse Mortgage Nov 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-03602-0000-00013 |
| Primary APN | 18-03602-0000-00013 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,368 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Construction Type | Frame |
| Lot Area | 5,706 sqft (0.131 acres) |
| Old Parcel Number | 1800010000000002A |
|---|---|
| Street Address | 12 CLARK ST |
| City | SUMMIT |
| State | NJ |
| Zip | 07901-4020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Block | 3602 |
| Legal Lot Number | 13 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 38000 |
Source: Union County and Summit City records · APN 18-03602-0000-00013
Assessment roll updated July 8, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 12 CLARK ST, SUMMIT, NJ 07901-4020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 08, 2023 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Nov 08, 2023 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 2024 · Amount on Record |
| Deed Sale | Oct 17, 2024 · Amount on Record |
| Deed Document Number | 202441319 |
| Deed Book / Page | 6559 / 2948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 12 CLARK ST, SUMMIT, NJ 07901-4020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Title Company | CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 12 CLARK ST, SUMMIT, NJ 07901-4020 |
| Document Number | 0154322511 |
|---|---|
| Date | Nov 08, 2023 |
| Book Page | 15432/2511 |
| Instrument | 58159 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 701 Months |
| Due | Apr 02, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.83% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 01, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 12 CLARK ST, SUMMIT, NJ 07901-4020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Title Company | CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 12 CLARK ST, SUMMIT, NJ 07901-4020 |
| Document Number | 0154322497 |
|---|---|
| Date | Nov 08, 2023 |
| Book Page | 15432/2497 |
| Instrument | 58158 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 701 Months |
| Due | Apr 02, 2082 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.83% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 01, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.8% |
Source: Union County and Summit City records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Summit City |
| Unified School District | Summit City School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $188,700 (-) Land $85,700 Building $103,000 | $188,700 (-) Land $85,700 Building $103,000 | |
| 2025 | $8,437.00 (+2.64%) | $188,700 (+11.86%) Land $85,700 Building $103,000 | $188,700 (+11.86%) Land $85,700 Building $103,000 |
| 2024 | $8,220.00 (+17.85%) | ||
| 2023 | $168,700 Land $85,700 Building $83,000 | $168,700 Land $85,700 Building $83,000 | |
| 2022 | $6,975.00 |
Source: FEMA National Flood Hazard Layer as of September 24, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1982–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Wildfire Risk | Low lower than 98% of the US · lower than 94% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Based on FCC filings for 528 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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