120 Orchard St, Summit, NJ 07901 Property Records

Union County and Summit City property record for 120 Orchard St, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	1,469 sqft · built 1922
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Feb 2021)
Tax Bill	$8,155 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-03909-0000-00032`

Property Details

APN / Parcel Number

Primary APN	`18-03909-0000-00032`
Alternative APNs	`1800003A00018` `180390900032`

Interior

Stories	2 Stories
Building Area	1,469 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Old Parcel Number	1800003A00018
Street Address	120 ORCHARD ST
City	SUMMIT
State	NJ
Zip	07901-4214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	3909
Legal Lot Number	32
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2009
Census Tract	38000

Owner

120 Orchard St is owned and occupied by two individuals who bought it in February 2021.

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	2 Individual Names on File
Mailing Address	120 ORCHARD ST, SUMMIT, NJ 07901-4214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on File
Deed Sale	Feb 5, 2021 · Amount on File
Prior Sale	Jun 22, 2015 · Amount on File
Deed Document Number	20211278
Deed Book / Page	6400 / 178
Prior Transfer Date	Aug 10, 2005
Prior Transfer Doc	0055230643
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Feb 5, 2021
Property Address	120 ORCHARD ST, SUMMIT, NJ 07901-4214
Document Number	0064000178
Book / Page	6400 / 178
Instrument Date	Jan 19, 2021
Instrument	1278
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	ASSOCIATED TITLE AGENCY LLC, ASSOCIATED TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,814.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 SEQUOIA TRL, ROSELLE, IL 60172-1047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ORCHARD ST, SUMMIT, NJ 07901-4214

Mortgage

Document Number	0000003543
Date	Feb 5, 2021
Instrument	3543

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 120 Orchard St was $8,155, up 2.6% from the year before.

Source: Union County and Summit City assessment roll, as of July 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,400 (-) Land $71,200 Building $111,200	$182,400 (-) Land $71,200 Building $111,200
2025	$8,155.00 (+2.64%)	$182,400 Land $71,200 Building $111,200	$182,400 Land $71,200 Building $111,200
2024	$7,945.00
2023		$182,400 Land $71,200 Building $111,200	$182,400 Land $71,200 Building $111,200
2022	$7,812.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 120 Orchard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 120 Orchard 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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