21 Orchard St, Summit, NJ 07901 Property Records

Union County and Summit City property record for 21 Orchard St, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	1,670 sqft · built 1918
Lot Size	0.073 acres (3,180 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,875 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-04003-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`18-04003-0000-00003`
Alternative APNs	`1800020000000028` `180400300003`

Interior

Stories	1 Story
Building Area	1,670 sqft Living Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Construction Type	Frame
Lot Area	3,180 sqft (0.073 acres)

Location & Zoning

Old Parcel Number	1800020000000028
Street Address	21 ORCHARD ST
City	SUMMIT
State	NJ
Zip	07901-3962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	4003
Legal Lot Number	3
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2005
Census Tract	38000

Owner

21 Orchard St is owned and occupied by two individuals who acquired it in March 1993.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 ORCHARD ST, SUMMIT, NJ 07901-3962
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
Aug 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 30, 2018	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 1993
Deed Sale	Mar 18, 1993
Deed Book / Page	3939 / 325
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	21 ORCHARD ST, SUMMIT, NJ 07901-3962
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150442419
Date	Aug 27, 2021
Book Page	15044/2419
Instrument	19702

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	21 ORCHARD ST, SUMMIT, NJ 07901-3962
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148302591
Date	Dec 4, 2020
Book Page	14830/2591
Instrument	705184

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	21 ORCHARD ST, SUMMIT, NJ 07901-3962
Document Number	0148272737
Instrument Date	Nov 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 ORCHARD ST ELIZABETH NJ 072083603, ELIZABETH, NJ 07208-3603

Mortgage

Document Number	0148272737
Date	Dec 2, 2020
Book Page	014827/002737
Instrument	704861

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Dec 1, 2027

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	21 ORCHARD ST, SUMMIT, NJ 07901-3962
Document Number	0144742519
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	EQUITY NATIONAL TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 ORCHARD ST SUMMIT NJ 079013962, SUMMIT, NJ 07901-3962

Mortgage

Document Number	0144742519
Date	Aug 6, 2018
Book Page	014474/002519
Instrument	660909

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 21 Orchard St was $5,875, up 2.7% 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		$131,400 (-) Land $58,200 Building $73,200	$131,400 (-) Land $58,200 Building $73,200
2025	$5,875.00 (+2.66%)	$131,400 Land $58,200 Building $73,200	$131,400 Land $58,200 Building $73,200
2024	$5,723.00
2023		$131,400 Land $58,200 Building $73,200	$131,400 Land $58,200 Building $73,200
2022	$5,627.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21 Orchard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2020

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.

Wildfire

Wildfire risk around 21 Orchard St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 476 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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