22 Garden Rd, Summit, NJ 07901 Property Records

Union County and Summit City property record for 22 Garden Rd, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	3,759 sqft · built 2020
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$921,000 (Aug 2008)
Tax Bill	$34,565 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-04711-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`18-04711-0000-00002`
Alternative APNs	`1800096F00031` `180471100002`

Interior

Stories	2 Stories
Building Area	3,759 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Old Parcel Number	1800096F00031
Street Address	22 GARDEN RD
City	SUMMIT
State	NJ
Zip	07901-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Block	4711
Legal Lot Number	2
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4004
Census Tract	37900

Owner

22 Garden Rd is owned and occupied by two individuals who bought it in August 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 GARDEN RD, SUMMIT, NJ 07901-3029
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
May 2, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 21, 2019	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Apr 27, 2020	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2008 · Amount on File
Deed Sale	Aug 13, 2008 · Amount on File
Prior Sale	Jul 29, 1998 · Amount on File
Deed Document Number	2008197932
Deed Book / Page	5726 / 729
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	22 GARDEN RD, SUMMIT, NJ 07901-3029
Transaction Type	Mortgage
Record Updated	May 20, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152102769
Date	May 2, 2022
Book Page	15210/2769
Instrument	36566

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	22 GARDEN RD, SUMMIT, NJ 07901-3029
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149812902
Date	Jun 7, 2021
Book Page	14981/2902
Instrument	13866

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	22 GARDEN RD, SUMMIT, NJ 07901-3029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146070905
Date	Oct 21, 2019
Book Page	14607/0905
Instrument	680355

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	22 GARDEN RD, SUMMIT, NJ 07901-3029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146842719
Date	Apr 27, 2020
Book Page	14684/2719
Instrument	690486

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

Tax Assessment & Valuation

The 2025 property tax bill for 22 Garden Rd was $34,565, 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		$773,100 (-) Land $225,000 Building $548,100	$773,100 (-) Land $225,000 Building $548,100
2025	$34,565.00 (+2.64%)	$773,100 Land $225,000 Building $548,100	$773,100 Land $225,000 Building $548,100
2024	$33,676.00
2023		$773,100 Land $225,000 Building $548,100	$773,100 Land $225,000 Building $548,100
2022	$33,111.00

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

Flood

FEMA maps place 22 Garden Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2004.

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	7 in force
Nearby Flood Claims	11 (2004–2026)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Jul 2026 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 5 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 22 Garden Rd is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% 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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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