Bergen County and Rutherford Borough property record for 188 Summit Cross, Rutherford, NJ 07070
| Property Type | Single Family Home |
|---|---|
| Details | 2,975 sqft · built 1900 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $655,000 (Dec 2021) |
| Tax Bill | $17,510 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-00159-0000-00003 |
| Primary APN | 56-00159-0000-00003 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,975 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 188 SUMMIT CROSS |
|---|---|
| City | RUTHERFORD |
| State | NJ |
| Zip | 07070-2554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 50X100 IRR |
| Legal Block | 159 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RUTHERFORD |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 51400 |
Source: Bergen County and Rutherford Borough records, as of June 29, 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 | 34 ROCKAWAY VALLEY RD, BOONTON, NJ 07005-9021 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| May 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NJ LENDERS |
| Jul 1, 2019 | Deed with Mortgage, Transfer · Conventional Mortgage NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on Record |
| Deed Sale | Dec 10, 2021 · Amount on Record |
| Prior Sale | Jul 1, 2019 · Amount on Record |
| Deed Document Number | 2021179075 |
| Deed Book / Page | 4487 / 332 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 10, 2021 |
| Property Address | 188 SUMMIT CROSS, RUTHERFORD, NJ 07070-2554 |
| Document Number | 0044870332 |
| Book / Page | 4487 / 332 |
| Instrument Date | Oct 30, 2021 |
| Instrument | 2021179075 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | SUNNYSIDE TITLE AGENCY, SUNNYSIDE TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,768.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 CANDLESTICK LN, 4, UPPER SADDLE RIVER, NJ 07458-1535 |
| Name | Verified Name |
|---|---|
| Address | 188 SUMMIT CROSS, RUTHERFORD, NJ 07070-2554 |
| Document Number | 2021179076 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 2021179076 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 188 SUMMIT CROSS, RUTHERFORD, NJ 07070-2554 |
| Document Number | 0035991610 |
| Instrument Date | May 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2020 |
| Title Company | PRESTIGE TITLE AGENCY INC, PRESTIGE TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 188 SUMMIT CROSS RUTHERFORD NJ 070702554, RUTHERFORD, NJ 07070-2554 |
| Document Number | 0035991610 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 003599/001610 |
| Instrument | 20049278 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2050 |
| Document Type | Deed with Mortgage |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jul 1, 2019 |
| Property Address | 188 SUMMIT CROSS, RUTHERFORD, NJ 07070-2554 |
| Document Number | 0032811510 |
| Book / Page | 003281 / 001510 |
| Instrument Date | May 31, 2019 |
| Instrument | 41679 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $566.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 188 SUMMIT CROSS RUTHERFORD NJ 070702554, RUTHERFORD, NJ 07070-2554 |
| Document Number | 32811516 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 003281/001516 |
| Instrument | 41679 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2049 |
Source: Bergen County and Rutherford Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Rutherford Borough |
| Unified School District | Rutherford Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $547,200 (-) Land $251,000 Building $296,200 | $547,200 (-) Land $251,000 Building $296,200 | |
| 2025 | $17,510.00 (+2.53%) | $547,200 (-) Land $251,000 Building $296,200 | $547,200 (-) Land $251,000 Building $296,200 |
| 2024 | $17,078.00 (+5.12%) | ||
| 2023 | $547,200 Land $251,000 Building $296,200 | $547,200 Land $251,000 Building $296,200 | |
| 2022 | $16,246.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| 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.
Source: FCC Broadband Data Collection, based on 497 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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