Bergen County and Rutherford Borough property record for 189 Summit Cross, Rutherford, NJ 07070
| Property Type | Single Family Home |
|---|---|
| Details | 1,303 sqft · built 1920 |
| Lot Size | 0.125 acres (5,454 sqft) |
| Owner | Company Name on Record |
| Last Sale | $560,000 (Feb 2025) |
| Tax Bill | $8,800 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-00160-0000-00001 |
| Primary APN | 56-00160-0000-00001 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,303 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,454 sqft (0.125 acres) |
| Lot Dimensions | 101 ft deep x 54 ft wide |
| Street Address | 189 SUMMIT CROSS |
|---|---|
| City | RUTHERFORD |
| State | NJ |
| Zip | 07070-2513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 54X101 |
| Legal Subdivision | BOROUGH/RUTHERFORD |
| Legal Block | 160 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | RUTHERFORD |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 51400 |
Source: Bergen County and Rutherford Borough records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 7 GLENWOOD AVE, 418, EAST ORANGE, NJ 07017-1041 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC |
| Aug 11, 2021 | Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 24, 2020 | Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 9, 2017 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2025 · Amount on Record |
| Deed Sale | Feb 21, 2025 · Amount on Record |
| Prior Sale | Aug 11, 2021 · Amount on Record |
| Deed Document Number | 202512240 |
| Deed Book / Page | 5433 / 1326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 189 SUMMIT CROSS, RUTHERFORD, NJ 07070-2513 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 24 WINDSOR WAY, EAST HANOVER, NJ 07936-3905 |
| Document Number | 0056460961 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 5646/961 |
| Instrument | 2025077609 |
| Name | CORNERSTONE FIRST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 11, 2021 |
| Property Address | 189 SUMMIT CROSS, RUTHERFORD, NJ 07070-2513 |
| Document Number | 0043241144 |
| Book / Page | 4324 / 1144 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 2021129397 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2021 |
| Title Company | TITLE GUARANTEE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,962.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 89 SUSAN CT, 89, CLIFTON, NJ 07012-1021 |
| Name | Verified Name |
|---|---|
| Address | 189 SUMMIT CROSS, RUTHERFORD, NJ 07070-2513 |
| Document Number | 0043241149 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 4324/1149 |
| Instrument | 2021129398 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 24, 2020 |
| Property Address | 189 SUMMIT CROSS, RUTHERFORD, NJ 07070-2513 |
| Document Number | 0037260300 |
| Book / Page | 3726 / 300 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 2020091546 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Title Company | INSIGHT TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,791.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 125 PALISADE AVE, 125, CRESSKILL, NJ 07626-2258 |
| Name | Verified Name |
|---|---|
| Address | 189 SUMMIT CROSS, RUTHERFORD, NJ 07070-2513 |
| Document Number | 2020091547 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020091547 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 189 SUMMIT CROSS, RUTHERFORD, NJ 07070-2513 |
| Document Number | 0028180367 |
| Book / Page | 002818 / 000367 |
| Instrument Date | Dec 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 189 SUMMIT CROSS RUTHERFORD NJ 070702513, RUTHERFORD, NJ 07070-2513 |
| Document Number | 0028180367 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 002818/000367 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2047 |
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 | $444,700 (+61.71%) Land $252,300 Building $192,400 | $444,700 (+61.71%) Land $252,300 Building $192,400 | |
| 2025 | $8,800.00 (+2.53%) | $275,000 (-) Land $252,300 Building $22,700 | $275,000 (-) Land $252,300 Building $22,700 |
| 2024 | $8,583.00 (+5.13%) | ||
| 2023 | $275,000 Land $252,300 Building $22,700 | $275,000 Land $252,300 Building $22,700 | |
| 2022 | $8,164.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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