38 N Summit Ave, Chatham, NJ 07928 Property Records

Morris County and Chatham Borough property record for 38 N Summit Ave, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	1,972 sqft · built 1950
Lot Size	0.141 acres (6,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$777,000 (Sep 2020)
Tax Bill	$15,058 (2024)
Deeds & Mortgages	May 2024 Line of Credit Jul 2020 Mortgage + 2 more
APN	`04-00054-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`04-00054-0000-00017`
Alternative APNs	`040005400017` `20414002`

Interior

Stories	1 Story
Building Area	1,972 sqft Living Area
1st Floor Area	1,972 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	123 ft deep x 50 ft wide

Location & Zoning

Account Number	20414002
Street Address	38 N SUMMIT AVE
City	CHATHAM
State	NJ
Zip	07928-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	BOROUGH/CHATHAM
Legal Block	54
Legal Lot Number	17
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	1
Census Block	1020
Census Tract	42700

Owner

Source: Morris County and Chatham Borough records, as of July 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Sep 2, 2020	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 6, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Mar 10, 2005 · Amount on Record
Deed Document Number	202060193
Deed Book / Page	23863 / 1819
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	38 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0247460663
Date	May 9, 2024
Book Page	24746/663
Instrument	2024016458

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	CHELMSFORD, MA 01824

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	38 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Document Number	0238631824
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 N SUMMIT AVE CHATHAM NJ 079282539, CHATHAM, NJ 07928-2539

Mortgage

Document Number	0238631824
Date	Sep 2, 2020
Book Page	023863/001824
Instrument	60194

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Sep 2, 2020
Property Address	38 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Document Number	0238631819
Book / Page	23863 / 1819
Instrument Date	Jul 14, 2020
Instrument	2020060193
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,061.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 MAIN ST # ST5D, 540, CHATHAM, NJ 07928-2129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 N SUMMIT AVE, CHATHAM, NJ 07928-2539

Mortgage

Document Number	2020060194
Date	Sep 2, 2020
Instrument	2020060194

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	38 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Document Number	0230701799
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 N SUMMIT AVE CHATHAM NJ 079282539, CHATHAM, NJ 07928-2539

Mortgage

Document Number	0230701799
Date	Jan 27, 2017
Book Page	023070/001799
Instrument	6304

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Chatham Borough
Unified School District	The Chathams School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$930,100 (-) Land $542,300 Building $387,800	$930,100 (-) Land $542,300 Building $387,800
2025		$930,100 (-) Land $542,300 Building $387,800	$930,100 (-) Land $542,300 Building $387,800
2024	$15,058.00 (+22.15%)
2023		$930,100 Land $542,300 Building $387,800	$930,100 Land $542,300 Building $387,800
2022	$12,327.00

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1978–2021)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 87% 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	CHATHAM WATER DEPT serves 8,962 people · EPA ID NJ1404001
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	1 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 563 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	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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