12 Summit Rd, Cranford, NJ 07016 Property Records

Union County and Cranford Township property record for 12 Summit Rd, Cranford, NJ 07016

Property Summary

Property Type	Single Family Home
Details	built 1952
Lot Size	0.485 acres (21,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Dec 1997)
Tax Bill	$21,744 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Aug 2023 Second Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`03-00208-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`03-00208-0000-00018`
Alternative APNs	`030020800018` `1851001`

Interior

Stories	1 Story

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,140 sqft (0.485 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	1851001
Street Address	12 SUMMIT RD
City	CRANFORD
State	NJ
Zip	07016-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	208
Legal Lot Number	18
Jurisdiction	UNION NJ
Township / Civil Division	CRANFORD
Census Block Group	3
Census Block	3011
Census Tract	37000

Owner

Source: Union County and Cranford Township 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	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JERSEY CENTRAL FCU
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 1997 · Amount on Record
Deed Sale	Dec 19, 1997 · Amount on Record
Prior Sale	Jul 30, 1997 · Amount on Record
Deed Document Number	199747507
Deed Book / Page	4609 / 91
Prior Transfer Date	Jul 23, 1997
Prior Transfer Doc	0000042273
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154532959
Date	Jan 12, 2024
Book Page	15453/2959
Instrument	60219

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 2, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153992485
Date	Aug 17, 2023
Book Page	15399/2485
Instrument	55139

Lender

Name	JERSEY CENTRAL FCU
Type	Credit Union
Address	CRANFORD, NJ 07016

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 1, 2033

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150582644
Date	Sep 16, 2021
Book Page	15058/2644
Instrument	20995

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0142200972
Date	Jan 17, 2017
Book Page	14220/0972
Instrument	635195

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	READING, PA 19601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 29, 2046

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Document Number	0146582242
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 SUMMIT RD CRANFORD NJ 070161932, CRANFORD, NJ 07016-1932

Mortgage

Document Number	0146582242
Date	Feb 27, 2020
Book Page	014658/002242
Instrument	687562

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	12 SUMMIT RD, CRANFORD, NJ 07016-1932
Document Number	0146582506
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 SUMMIT RD CRANFORD NJ 070161932, CRANFORD, NJ 07016-1932

Mortgage

Document Number	0146582506
Date	Feb 27, 2020
Book Page	014658/002506
Instrument	687596

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

Tax Assessment & Valuation

Source: Union County and Cranford Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
County Subdivision	Cranford Township
Unified School District	Cranford Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$300,000 (-) Land $123,100 Building $176,900	$300,000 (-) Land $123,100 Building $176,900
2025	$21,744.00 (+6.92%)	$300,000 (-) Land $123,100 Building $176,900	$300,000 (-) Land $123,100 Building $176,900
2024	$20,337.00 (+2.53%)
2023		$300,000 Land $123,100 Building $176,900	$300,000 Land $123,100 Building $176,900
2022	$19,836.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 146 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 in force
Nearby Flood Claims	556 (1978–2024)
Claims Outside the SFHA	52 of 556
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Irene, Sep 2011 · 154 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 123 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 104 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

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.

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 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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