28 Grove Ter, Summit, NJ 07901 Property Records

Union County and New Providence Borough property record for 28 Grove Ter, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	2,200 sqft · built 1928
Lot Size	0.447 acres (19,471 sqft)
Owner	2 Individual Names on File
Last Sale	$925,000 (Jul 2022)
Tax Bill	$15,364 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-00122-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`11-00122-0000-00016`
Alternative APNs	`110012200016` `00119500`

Interior

Stories	2 Stories
Building Area	2,200 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	19,471 sqft (0.447 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	00119500
Street Address	28 GROVE TER
City	SUMMIT
State	NJ
Zip	07901-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	122
Legal Lot Number	16
Jurisdiction	UNION NJ
Township / Civil Division	NEW PROVIDENCE
Census Block Group	3
Census Block	3002
Census Tract	38101

Owner

28 Grove Ter is owned and occupied by two individuals who bought it in July 2022.

Source: Union County and New Providence Borough records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 GROVE TER, SUMMIT, NJ 07901-4102
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
Jul 8, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC
May 16, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on File
Deed Sale	Jul 8, 2022 · Amount on File
Prior Sale	Apr 18, 2005 · Amount on File
Deed Document Number	202219970
Deed Book / Page	6471 / 2701
Record Updated	Oct 29, 2026

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	UNION NJ
Recording Date	Jul 8, 2022
Property Address	28 GROVE TER, SUMMIT, NJ 07901-4102
Document Number	0064712701
Book / Page	6471 / 2701
Instrument Date	Jun 28, 2022
Instrument	19970
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	HILLTOP TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,705.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 SUTPHIN PNES, 27, YARDLEY, PA 19067-3427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GROVE TER, SUMMIT, NJ 07901-4102

Mortgage

Document Number	0000039939
Date	Jul 8, 2022
Instrument	39939

Lender

Name	FM HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	28 GROVE TER, SUMMIT, NJ 07901-4102
Document Number	0145742779
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GROVE TER SUMMIT NJ 079014102, SUMMIT, NJ 07901-4102

Mortgage

Document Number	0145742779
Date	Jul 16, 2019
Book Page	014574/002779
Instrument	675506

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 28 Grove Ter was $15,364, up 1.6% from the year before.

Source: Union County and New Providence Borough assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	New Providence Borough
Unified School District	New Providence Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$293,100 (-) Land $133,000 Building $160,100	$293,100 (-) Land $133,000 Building $160,100
2025	$15,364.00 (+1.55%)	$293,100 Land $133,000 Building $160,100	$293,100 Land $133,000 Building $160,100
2024	$15,129.00
2023		$293,100 Land $133,000 Building $160,100	$293,100 Land $133,000 Building $160,100
2022	$14,473.00

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 28 Grove Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	19 (1978–2025)
Claims Outside the SFHA	9 of 19
Most Recent Claim	Jul 2025 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 claims Hurricane Irene, Aug 2011 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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 28 Grove Ter 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 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 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 273 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

May also be available: T-Mobile.

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