3 Midland Ter, Summit, NJ 07901 Property Records

Union County and Summit City property record for 3 Midland Ter, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	2,514 sqft · built 1939
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on File
Tax Bill	$23,804 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-04708-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`18-04708-0000-00001`
Alternative APNs	`1800095E00001` `180470800001`

Interior

Stories	2 Stories
Building Area	2,514 sqft Living Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Brick
Construction Type	Frame
Lot Area	7,579 sqft (0.174 acres)
Garage Type	Attached

Location & Zoning

Old Parcel Number	1800095E00001
Street Address	3 MIDLAND TER
City	SUMMIT
State	NJ
Zip	07901-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Subdivision	MIDLAND TERRACE
Legal Block	4708
Legal Lot Number	1
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1022
Census Tract	37900

Owner

3 Midland Ter is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205
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 14, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MANASQUAN BANK
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Recording Date	Aug 14, 2026
Property Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205
Document Number	0000095972
Book / Page	15844 / 2098
Instrument Date	Jul 30, 2026
Instrument	202695972
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TOP PRIORITY TITLE, PRIORITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205

Mortgage

Document Number	0000095972,
Date	Aug 14, 2026
Book Page	15844/2098
Instrument	202695972

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2056

Interest

Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205
Transaction Type	Mortgage
Record Updated	Apr 7, 2023
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205

Mortgage

Document Number	0150313089
Date	Aug 12, 2021
Book Page	15031/3089
Instrument	18572

Lender

Name	US BANK NA
Type	Bank
Address	WOODBRIDGE, NJ 07095

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205
Transaction Type	Mortgage
Record Updated	Apr 7, 2023
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150313066
Date	Aug 12, 2021
Book Page	15031/3066
Instrument	18571

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	7.5%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS FIRST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148272146
Date	Dec 2, 2020
Book Page	14827/2146
Instrument	704820

Lender

Name	MANASQUAN BANK
Type	Bank
Address	MANASQUAN, NJ 08736

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	3 MIDLAND TER, SUMMIT, NJ 07901-3205
Document Number	0142920606
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MIDLAND TER SUMMIT NJ 079013205, SUMMIT, NJ 07901-3205

Mortgage

Document Number	0142920606
Date	Jun 28, 2017
Book Page	014292/000606
Instrument	642374

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 27, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 Midland Ter was $23,804, 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		$532,400 (-) Land $197,400 Building $335,000	$532,400 (-) Land $197,400 Building $335,000
2025	$23,804.00 (+2.64%)	$532,400 Land $197,400 Building $335,000	$532,400 Land $197,400 Building $335,000
2024	$23,191.00
2023		$567,400 Land $197,400 Building $370,000	$567,400 Land $197,400 Building $370,000
2022	$24,301.00

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

Flood

FEMA maps place 3 Midland Ter in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1979.

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	9 in force
Nearby Flood Claims	12 (1979–2021)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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 3 Midland Ter 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	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 427 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: AT&T.

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