Bergen County and Englewood Cliffs Borough property record for 431 Summit St, Englewood Cliffs, NJ 07632
| Property Type | Single Family Home |
|---|---|
| Details | 2,961 sqft · built 1967 |
| Lot Size | 0.219 acres (9,518 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $12,224 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-00501-0000-00001 |
| Primary APN | 16-00501-0000-00001 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,961 sqft Living Area |
|---|
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Lot Area | 9,518 sqft (0.219 acres) |
| Lot Dimensions | 119 ft deep x 80 ft wide |
| Account Number | 051910 |
|---|---|
| Street Address | 431 SUMMIT ST |
| City | ENGLEWOOD CLIFFS |
| State | NJ |
| Zip | 07632-1715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Description | 80X119 |
| Legal Subdivision | SUMMIT HOMES |
| Legal Block | 501 |
| Legal Lot Number | 1 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | ENGLEWOOD CLIFFS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 16000 |
431 Summit St is owned and occupied by two individuals.
Source: Bergen County and Englewood Cliffs Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 SUMMIT ST, ENGLEWOOD CLIFFS, NJ 07632-1715 |
| 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.
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BANK |
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Feb 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 431 SUMMIT ST, ENGLEWOOD CLIFFS, NJ 07632-1715 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0043721978 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 4372/1978 |
| Instrument | 2021144137 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 431 SUMMIT ST, ENGLEWOOD CLIFFS, NJ 07632-1715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0036070228 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 3607/228 |
| Instrument | 20-052143 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 431 SUMMIT ST, ENGLEWOOD CLIFFS, NJ 07632-1715 |
| Document Number | 0028880991 |
| Instrument Date | Feb 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Title Company | FIRST JERSEY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 SUMMIT ST ENGLEWOOD CLIFFS NJ 076321715, ENGLEWOOD CLIFFS, NJ 07632-1715 |
| Document Number | 0028880991 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 002888/000991 |
| Name | COLUMBIA BK |
|---|---|
| Type | Bank |
| Address | FAIR LAWN, NJ 07410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2048 |
The 2025 property tax bill for 431 Summit St was $12,224, up 0.9% from the year before.
Source: Bergen County and Englewood Cliffs Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Englewood Cliffs Borough |
| Unified School District | Englewood Cliffs Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,049,300 (-) Land $688,000 Building $361,300 | $1,049,300 (-) Land $688,000 Building $361,300 | |
| 2025 | $12,224.00 (+0.87%) | $1,049,300 Land $688,000 Building $361,300 | $1,049,300 Land $688,000 Building $361,300 |
| 2024 | $12,119.00 | ||
| 2023 | $1,049,300 Land $688,000 Building $361,300 | $1,049,300 Land $688,000 Building $361,300 | |
| 2022 | $11,783.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Summit St 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 December 8, 2024 · 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 Claims | 1 (1981) |
| Most Recent Claim | May 1981 · rainfall accumulation |
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 risk around 431 Summit St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 409 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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