181 Oak Ridge Ave, Summit, NJ 07901 Property Records

Union County and Summit City property record for 181 Oak Ridge Ave, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	4,116 sqft · built 2005
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,499,999 (Mar 2026)
Tax Bill	$44,437 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-04801-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`18-04801-0000-00006`
Alternative APNs	`1800094A00006` `180480100006`

Interior

Stories	2 Stories
Building Area	4,116 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	15,594 sqft (0.358 acres)
Garage Type	Attached

Location & Zoning

Old Parcel Number	1800094A00006
Street Address	181 OAK RIDGE AVE
City	SUMMIT
State	NJ
Zip	07901-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	COMMONWEALTH LAND CO
Legal Block	4801
Legal Lot Number	6
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2008
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	2 Individual Names on Record
Mailing Address	181 OAK RIDGE AVE, SUMMIT, NJ 07901-3216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed, Transfer · Conventional Mortgage PNC BANK NA
Apr 21, 2023	Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2026 · Amount on Record
Deed Sale	Mar 4, 2026 · Amount on Record
Prior Sale	Apr 21, 2023 · Amount on Record
Deed Document Number	202653211
Deed Book / Page	6612 / 2032
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Mar 4, 2026
Property Address	181 OAK RIDGE AVE, SUMMIT, NJ 07901-3216
Document Number	0066122032
Book / Page	6612 / 2032
Instrument Date	Feb 27, 2026
Instrument	53211
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 RIDGE RD, SUMMIT, NJ 07901-2916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 OAK RIDGE AVE, SUMMIT, NJ 07901-3216

Mortgage

Document Number	0000089774
Date	Mar 4, 2026
Instrument	89774

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Apr 21, 2023
Property Address	181 OAK RIDGE AVE, SUMMIT, NJ 07901-3216
Document Number	0065052788
Book / Page	6505 / 2788
Instrument Date	Apr 12, 2023
Instrument	28252
Transaction Type	Transfer
Record Updated	May 4, 2023
Title Company	CORTES AND HAY TITLE AGENCY INC, CORTES & HAY TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 GARDEN AVE, CHATHAM, NJ 07928-2260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 OAK RIDGE AVE, SUMMIT, NJ 07901-3216

Mortgage

Document Number	0000051127
Date	Apr 21, 2023
Instrument	51127

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.65%
Type Change Date	May 1, 2030
Change Frequency	Monthly
Min Rate At Change	3.95%
Max Rate At Change	10.9%
Index	1-Year T-Bill
Max Rate	10.9%

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		$1,023,000 (+2.93%) Land $358,000 Building $665,000	$1,023,000 (+2.93%) Land $358,000 Building $665,000
2025	$44,437.00 (+2.64%)	$993,900 (-) Land $358,000 Building $635,900	$993,900 (-) Land $358,000 Building $635,900
2024	$43,294.00 (+1.71%)
2023		$993,900 Land $358,000 Building $635,900	$993,900 Land $358,000 Building $635,900
2022	$42,568.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1999–2021)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.02% 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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