186 W Summit St, Somerville, NJ 08876 Property Records

Somerset County and Somerville Borough property record for 186 W Summit St, Somerville, NJ 08876

Property Summary

Property Type	Single Family Home
Details	2,248 sqft · built 1910
Lot Size	0.193 acres (8,398 sqft)
Owner	Company Name on File
Last Sale	$550,000 (Apr 2022)
Tax Bill	$12,429 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-00142-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`18-00142-0000-00013`
Alternative APN	`180014200013`

Interior

Stories	2 Stories
Building Area	2,248 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	8,398 sqft (0.193 acres)
Lot Dimensions	150 ft deep x 56 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	186 W SUMMIT ST
City	SOMERVILLE
State	NJ
Zip	08876-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	142
Legal Lot Number	13
Jurisdiction	SOMERSET NJ
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2006
Census Tract	50100

Owner

186 W Summit St is owned by a company that bought it in April 2022.

Source: Somerset County and Somerville Borough records, as of July 7, 2026

Owner of Record	Company Name on File
Mailing Address	186 W SUMMIT ST, SOMERVILLE, NJ 08876-1411
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Sep 25, 2006 · Amount on File
Deed Document Number	202217256
Deed Book / Page	7441 / 529
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET NJ
Recording Date	Apr 29, 2022
Property Address	186 W SUMMIT ST, SOMERVILLE, NJ 08876-1411
Document Number	0000017256
Book / Page	7441 / 529
Instrument Date	Mar 11, 2022
Instrument	2022017256
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 AUTUMN RIDGE DR, 4, HOPKINTON, MA 01748-2778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 W SUMMIT ST, SOMERVILLE, NJ 08876-1411

Mortgage

Document Number	0000017257
Date	Apr 29, 2022
Instrument	2022017257

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 186 W Summit St was $12,429, up 3.2% from the year before.

Source: Somerset County and Somerville Borough assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Somerset County
Municipality	Somerville Borough
Unified School District	Somerville Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$304,700 (-) Land $124,100 Building $180,600	$304,700 (-) Land $124,100 Building $180,600
2025	$12,429.00 (+3.2%)	$304,700 Land $124,100 Building $180,600	$304,700 Land $124,100 Building $180,600
2024	$12,044.00
2023		$304,700 Land $124,100 Building $180,600	$304,700 Land $124,100 Building $180,600
2022	$11,459.00

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

Flood

FEMA maps place 186 W Summit 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 3, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	10 (1996–2021)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 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

Wildfire risk around 186 W Summit 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 93% of the US · lower than 81% 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 - 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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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