190 Oak Ridge Ave, Summit, NJ 07901 Property Records

Union County and Summit City property record for 190 Oak Ridge Ave, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	4,906 sqft · built 1927
Lot Size	0.542 acres (23,610 sqft)
Owner	2 Individual Names on File
Last Sale	$2,325,000 (Jul 2019)
Tax Bill	$44,714 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-04803-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`18-04803-0000-00005`
Alternative APNs	`1800094000000066` `180480300005`

Interior

Stories	2 Stories
Building Area	4,906 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Stucco
Lot Area	23,610 sqft (0.542 acres)

Location & Zoning

Old Parcel Number	1800094000000066
Street Address	190 OAK RIDGE AVE
City	SUMMIT
State	NJ
Zip	07901-4316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	PROPERTY/COMMONWEALTH LAND CO
Legal Block	4803
Legal Lot Number	5
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2000
Census Tract	37900

Owner

190 Oak Ridge Ave is owned and occupied by two individuals who bought it in July 2019.

Source: Union County and Summit City records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	190 OAK RIDGE AVE, SUMMIT, NJ 07901-4316
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 12, 2019	Grant Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2019 · Amount on File
Deed Sale	Jul 12, 2019 · Amount on File
Prior Sale	Aug 4, 2006
Deed Document Number	2019314823
Deed Book / Page	6330 / 851
Prior Transfer Date	Jul 31, 2006
Prior Transfer Doc	0055970906
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	190 OAK RIDGE AVE, SUMMIT, NJ 07901-4316
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	CB TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148562413
Date	Jan 11, 2021
Book Page	14856/2413
Instrument	778

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Jul 12, 2019
Property Address	190 OAK RIDGE AVE, SUMMIT, NJ 07901-4316
Document Number	0063300851
Book / Page	006330 / 000851
Instrument Date	Jun 27, 2019
Instrument	314823
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 OAK RIDGE AVE SUMMIT NJ 079014316, SUMMIT, NJ 07901-4316

Mortgage

Document Number	145740015
Date	Jul 12, 2019
Book Page	014574/000015
Instrument	675365

Lender

Name	GUARANTEED RATE
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 190 Oak Ridge Ave was $44,714, up 2.6% from the year before.

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		$1,000,100 (-) Land $398,300 Building $601,800	$1,000,100 (-) Land $398,300 Building $601,800
2025	$44,714.00 (+2.64%)	$1,000,100 Land $398,300 Building $601,800	$1,000,100 Land $398,300 Building $601,800
2024	$43,564.00
2023		$1,000,100 Land $398,300 Building $601,800	$1,000,100 Land $398,300 Building $601,800
2022	$42,834.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 190 Oak Ridge Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1999.

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

Wildfire risk around 190 Oak Ridge Ave is low, with a 0.02% annual chance of 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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