188 Summit Ave, Montclair, NJ 07043 Property Records

Essex County and Montclair Township property record for 188 Summit Ave, Montclair, NJ 07043

Property Summary

Property Type	Single Family Home
Details	2,095 sqft · built 1905
Lot Size	0.184 acres (8,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,600 (May 1998)
Tax Bill	$24,710 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-02607-0000-00027`

Property Details

APN / Parcel Number

Primary APN	`13-02607-0000-00027`
Alternative APN	`130260700027`

Interior

Stories	2 Stories
Building Area	2,095 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Lot Area	8,024 sqft (0.184 acres)
Lot Dimensions	136 ft deep x 59 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	130260700027
Street Address	188 SUMMIT AVE
City	MONTCLAIR
State	NJ
Zip	07043-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	59X136
Legal Subdivision	SUMMIT AVE
Legal Block	2607
Legal Lot Number	27
Jurisdiction	ESSEX NJ
Township / Civil Division	MONTCLAIR
Census Block Group	3
Census Block	3006
Census Tract	16300

Owner

Source: Essex County and Montclair Township records, as of July 2, 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	188 SUMMIT AVE, MONTCLAIR, NJ 07043-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 1998 · Amount on Record
Deed Sale	May 12, 1998 · Amount on Record
Prior Sale	Jan 6, 1997 · Amount on Record
Deed Book / Page	5536 / 399
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	188 SUMMIT AVE, MONTCLAIR, NJ 07043-1817
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021118792
Date	Sep 28, 2021
Instrument	2021118792

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	188 SUMMIT AVE, MONTCLAIR, NJ 07043-1817
Document Number	0000006911
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATLANTIC TITLE AND SETTLEMENT SV, ATLANTIC TITLE & SETTLEMENT SV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SUMMIT AVE MONTCLAIR NJ 070431817, MONTCLAIR, NJ 07043-1817

Mortgage

Document Number	0000006911
Date	Jan 20, 2021
Instrument	6911

Lender

Name	BOND STREET MTG
Type	Mortgage Company
Address	PARAMUS, NJ 07652

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

Tax Assessment & Valuation

Source: Essex County and Montclair Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Montclair Township
Unified School District	Montclair Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$702,800 (-) Land $365,100 Building $337,700	$702,800 (-) Land $365,100 Building $337,700
2025	$24,710.00 (+3.32%)	$702,800 (-) Land $365,100 Building $337,700	$702,800 (-) Land $365,100 Building $337,700
2024	$23,916.00 (+3.5%)
2023		$702,800 Land $365,100 Building $337,700	$702,800 Land $365,100 Building $337,700
2022	$23,108.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	159 units insured incl. 154 condo units
Nearby Flood Claims	8 (1978–2021)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 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 96% of the US · lower than 89% 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	MONTCLAIR WATER BUREAU serves 40,150 people · EPA ID NJ0713001
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
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 567 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
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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