3 Summit Ave, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 3 Summit Ave, Wharton, NJ 07885

Property Summary

Property Type	Single Family Home
Details	1,604 sqft · built 1973
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Sep 2026)
Tax Bill	$8,386 (2024)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2018 Mortgage + 1 more
APN	`39-02007-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`39-02007-0000-00011`
Alternative APN	`390200700011`

Interior

Stories	2 Stories
Building Area	1,604 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3 SUMMIT AVE
City	WHARTON
State	NJ
Zip	07885-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Subdivision	FORD FARM
Legal Block	2007
Legal Lot Number	11
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3020
Census Tract	45100

Owner

3 Summit Ave is owned and occupied by two individuals who bought it in September 2026.

Source: Morris County and Wharton Borough records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 SUMMIT AVE, WHARTON, NJ 07885-2513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 3, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage AMERICAN TITLE COMPANY
May 17, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 17, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Dec 14, 2012 · Amount on File
Deed Document Number	202640355
Deed Book / Page	25170 / 1145
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MORRIS NJ
Recording Date	Sep 3, 2026
Property Address	3 SUMMIT AVE, WHARTON, NJ 07885-2513
Document Number	0000040355
Book / Page	25170 / 1145
Instrument Date	Aug 19, 2026
Instrument	202640355
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,540.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SUMMIT AVE, WHARTON, NJ 07885-2513

Mortgage

Document Number	0000040356,
Date	Sep 3, 2026
Instrument	202640356

Lender

Name	AMERICAN TITLE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	3 SUMMIT AVE, WHARTON, NJ 07885-2513
Document Number	0233631735
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SUMMIT AVE WHARTON NJ 078852513, WHARTON, NJ 07885-2513

Mortgage

Document Number	0233631735
Date	Jun 19, 2018
Book Page	023363/001735
Instrument	33624

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MORRIS NJ
Property Address	3 SUMMIT AVE, WHARTON, NJ 07885-2513
Document Number	0233631022
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SUMMIT AVE WHARTON NJ 078852513, WHARTON, NJ 07885-2513

Mortgage

Document Number	0233631022
Date	Jun 19, 2018
Book Page	023363/001022
Instrument	33494

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: Morris County and Wharton Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Wharton Borough
Secondary School District	Morris Hills Regional School District (09 - 12)
Elementary School District	Wharton Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$334,500 (+10.98%) Land $146,000 Building $188,500	$334,500 (+10.98%) Land $146,000 Building $188,500
2025		$301,400 Land $121,000 Building $180,400	$301,400 Land $121,000 Building $180,400
2024	$8,386.00
2023		$266,100 Land $111,000 Building $155,100	$266,100 Land $111,000 Building $155,100
2022	$8,055.00

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 has no flood map on file for 3 Summit Ave.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3 Summit Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	WHARTON WATER DEPT serves 6,342 people · EPA ID NJ1439001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	9 ppb (2022–2024) 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 503 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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