38 Pine Grove Ave, Summit, NJ 07901 Property Records

Union County and Summit City property record for 38 Pine Grove Ave, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	3,640 sqft · built 1926
Lot Size	0.386 acres (16,819 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,425,000 (Jul 2020)
Tax Bill	$28,480 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-02804-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`18-02804-0000-00026`
Alternative APNs	`1800101000000024` `180280400026`

Interior

Stories	2 Stories
Building Area	3,640 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	16,819 sqft (0.386 acres)
Lot Dimensions	121 ft deep x 139 ft wide

Location & Zoning

Old Parcel Number	1800101000000024
Street Address	38 PINE GROVE AVE
City	SUMMIT
State	NJ
Zip	07901-2433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Block	2804
Legal Lot Number	26
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1003
Census Tract	37900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 PINE GROVE AVE, SUMMIT, NJ 07901-2433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 24, 2020	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Jul 24, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	May 14, 2014 · Amount on Record
Deed Document Number	2020326300
Deed Book / Page	6375 / 2646
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	38 PINE GROVE AVE, SUMMIT, NJ 07901-2433
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150582075
Date	Sep 15, 2021
Book Page	15058/2075
Instrument	20952

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Jul 24, 2020
Property Address	38 PINE GROVE AVE, SUMMIT, NJ 07901-2433
Document Number	0063752646
Book / Page	6375 / 2646
Instrument Date	Jul 24, 2020
Instrument	326300
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,967.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2408 LOXFORD LN, 2408, ALPHARETTA, GA 30009-8753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PINE GROVE AVE, SUMMIT, NJ 07901-2433

Mortgage

Document Number	695493
Date	Jul 24, 2020
Instrument	695493

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	38 PINE GROVE AVE, SUMMIT, NJ 07901-2433
Document Number	0147352087
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PINE GROVE AVE SUMMIT NJ 079012433, SUMMIT, NJ 07901-2433

Mortgage

Document Number	0147352087
Date	Jul 24, 2020
Book Page	014735/002087
Instrument	695494

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 23, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$637,000 (-) Land $237,200 Building $399,800	$637,000 (-) Land $237,200 Building $399,800
2025	$28,480.00 (+8.25%)	$637,000 (+5.46%) Land $237,200 Building $399,800	$637,000 (+5.46%) Land $237,200 Building $399,800
2024	$26,310.00 (+1.7%)
2023		$604,000 Land $237,200 Building $366,800	$604,000 Land $237,200 Building $366,800
2022	$25,869.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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