45 Michigan Ave, Summit, NJ 07901 Property Records

Union County and Summit City property record for 45 Michigan Ave, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	1,737 sqft · built 1963
Lot Size	0.157 acres (6,839 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Oct 2020)
Tax Bill	$7,811 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-04102-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`18-04102-0000-00008`
Alternative APNs	`1800026000000016B` `180410200008`

Interior

Stories	2 Stories
Building Area	1,737 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,839 sqft (0.157 acres)

Location & Zoning

Old Parcel Number	1800026000000016B
Street Address	45 MICHIGAN AVE
City	SUMMIT
State	NJ
Zip	07901-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Block	4102
Legal Lot Number	8
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3012
Census Tract	38000

Owner

45 Michigan Ave is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 MICHIGAN AVE, SUMMIT, NJ 07901-3808
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Deed Document Number	2020329647
Deed Book / Page	6387 / 2768
Record Updated	Oct 29, 2026

October 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	UNION NJ
Recording Date	Oct 30, 2020
Property Address	45 MICHIGAN AVE, SUMMIT, NJ 07901-3808
Document Number	0063872768
Book / Page	6387 / 2768
Instrument Date	Sep 10, 2020
Instrument	329647
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	ALL AHEAD TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,607.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 PARK LN, 5, BERNARDSVILLE, NJ 07924-2208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MICHIGAN AVE, SUMMIT, NJ 07901-3808

Mortgage

Document Number	702427
Date	Oct 30, 2020
Instrument	702427

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 45 Michigan Ave was $7,811, up 2.7% 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		$174,700 (-) Land $74,700 Building $100,000	$174,700 (-) Land $74,700 Building $100,000
2025	$7,811.00 (+2.65%)	$174,700 Land $74,700 Building $100,000	$174,700 Land $74,700 Building $100,000
2024	$7,609.00
2023		$174,700 Land $74,700 Building $100,000	$174,700 Land $74,700 Building $100,000
2022	$7,482.00

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 maps place 45 Michigan Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · other causes

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 45 Michigan Ave 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 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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