20 Joanna Way, Summit, NJ 07901 Property Records

Union County and Summit City property record for 20 Joanna Way, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	3,627 sqft · built 1960
Lot Size	0.399 acres (17,380 sqft)
Owner	2 Individual Names on File
Last Sale	$1,550,000 (Jun 2021)
Tax Bill	$27,649 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-05604-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`18-05604-0000-00007`
Alternative APNs	`1800094O00023` `180560400007`

Interior

Stories	2 Stories
Building Area	3,627 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	17,380 sqft (0.399 acres)
Garage Type	Attached

Location & Zoning

Old Parcel Number	1800094O00023
Street Address	20 JOANNA WAY
City	SUMMIT
State	NJ
Zip	07901-3111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	ROLLING HILL/SUMMIT SEC # 2
Legal Block	5604
Legal Lot Number	7
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3013
Census Tract	37900

Owner

20 Joanna Way is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111
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
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 28, 2021	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 26, 2017	Deed of Trust, Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Sep 6, 2011 · Amount on File
Deed Document Number	20216305
Deed Book / Page	6419 / 95
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111
Transaction Type	Mortgage
Record Updated	Dec 18, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111

Mortgage

Document Number	0154412515
Date	Dec 5, 2023
Book Page	15441/2515
Instrument	58996

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Nov 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jun 28, 2021
Property Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111
Document Number	0064190095
Book / Page	6419 / 95
Instrument Date	May 24, 2021
Instrument	6305
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111

Mortgage

Document Number	0000015331
Date	Jun 28, 2021
Instrument	15331

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	20 JOANNA WAY, SUMMIT, NJ 07901-3111
Document Number	0142810293
Book / Page	014281 / 000293
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jun 16, 2017
Title Company	TRG SETTLEMENT SERVICES, TRG SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 JOANNA WAY SUMMIT NJ 079013111, SUMMIT, NJ 07901-3111

Mortgage

Document Number	0142810293
Date	Jun 5, 2017
Book Page	014281/000293
Instrument	641275

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 20 Joanna Way was $27,649, 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		$635,500 (+2.77%) Land $290,000 Building $345,500	$635,500 (+2.77%) Land $290,000 Building $345,500
2025	$27,649.00 (+2.64%)	$618,400 Land $290,000 Building $328,400	$618,400 Land $290,000 Building $328,400
2024	$26,937.00
2023		$618,400 Land $290,000 Building $328,400	$618,400 Land $290,000 Building $328,400
2022	$26,486.00

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 20 Joanna Way in Zone X, an area of minimal flood risk, though there have been 3 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	3 (1999–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 20 Joanna Way 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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