125 Prospect St, Summit, NJ 07901 Property Records

Union County and Summit City property record for 125 Prospect St, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	4,428 sqft · built 1993
Lot Size	0.496 acres (21,593 sqft)
Owner	Individual Name on Record
Last Sale	$1,660,000 (Sep 2018)
Tax Bill	$31,744 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-02802-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`18-02802-0000-00017`
Alternative APNs	`1800102000000004D` `180280200017`

Interior

Stories	2 Stories
Building Area	4,428 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Frame
Lot Area	21,593 sqft (0.496 acres)
Lot Dimensions	183 ft deep x 118 ft wide
Garage Type	Attached

Location & Zoning

Old Parcel Number	1800102000000004D
Street Address	125 PROSPECT ST
City	SUMMIT
State	NJ
Zip	07901-2473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	CITY/SUMMIT
Legal Block	2802
Legal Lot Number	17
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1002
Census Tract	37900

Owner

Source: Union County and Summit City 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	Individual Name on Record
Mailing Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 22, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 27, 2018	Deed, Transfer
Oct 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Sep 30, 2005
Deed Document Number	2018305209
Deed Book / Page	6288 / 486
Prior Transfer Date	Sep 29, 2005
Prior Transfer Doc	0055340619
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147072940
Date	Jun 9, 2020
Book Page	14707/2940
Instrument	692815

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	CLOSING USA LLC, CLOSING USA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148852893
Date	Feb 18, 2021
Book Page	14885/2893
Instrument	4354

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473

Mortgage

Document Number	0152522912
Date	Jul 22, 2022
Book Page	15252/2912
Instrument	40719

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 20, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Sep 27, 2018
Property Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473
Document Number	0062880486
Book / Page	6288 / 0486
Instrument Date	Aug 22, 2018
Instrument	305209
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount Recorded
Tax	$34,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 MORRISTOWN RD, 150, BERNARDSVILLE, NJ 07924-2626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NJ
Recording Date	Oct 10, 2017
Property Address	125 PROSPECT ST, SUMMIT, NJ 07901-2473
Document Number	0062200872
Book / Page	006220 / 000872
Instrument Date	Oct 2, 2017
Instrument	292235
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	150 MORRISTOWN RD #125 BERNARDSVILLE NJ 079242626, 125, BERNARDSVILLE, NJ 07924-2626

Tax Assessment & Valuation

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		$710,000 (-) Land $259,200 Building $450,800	$710,000 (-) Land $259,200 Building $450,800
2025	$31,744.00 (+2.64%)	$710,000 (-) Land $259,200 Building $450,800	$710,000 (-) Land $259,200 Building $450,800
2024	$30,928.00 (+1.71%)
2023		$710,000 Land $259,200 Building $450,800	$710,000 Land $259,200 Building $450,800
2022	$30,409.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	12 (1979–2021)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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 94% of the US · lower than 85% 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 - 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 321 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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