45 Prospect Hill Ave, Summit, NJ 07901 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5,110 sqft · built 1928
Lot Size	0.716 acres (31,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,500,000 (Dec 2024)
Tax Bill	$44,710 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`18-03501-0000-00028`

Property Details

APN / Parcel Number

Primary APN	`18-03501-0000-00028`
Alternative APNs	`1800182E00011` `180350100028`

Interior

Stories	2 Stories
Building Area	5,110 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Stucco
Lot Area	31,202 sqft (0.716 acres)
Lot Dimensions	208 ft deep x 150 ft wide

Location & Zoning

Old Parcel Number	1800182E00011
Street Address	45 PROSPECT HILL AVE
City	SUMMIT
State	NJ
Zip	07901-3705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R25
Legal Block	3501
Legal Lot Number	28
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	2
Census Block	2014
Census Tract	37700

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	45 PROSPECT HILL AVE, SUMMIT, NJ 07901-3705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Deed Document Number	202443054
Deed Book / Page	6567 / 2774
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	45 PROSPECT HILL AVE, SUMMIT, NJ 07901-3705
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	OLD REPUBLIC TTL NATL TTL IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PROSPECT HILL AVE, SUMMIT, NJ 07901-3705

Mortgage

Document Number	0152532225
Date	Jul 22, 2022
Book Page	15253/2225
Instrument	40747

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,000,000 (-) Land $494,800 Building $505,200	$1,000,000 (-) Land $494,800 Building $505,200
2025	$44,710.00 (+2.64%)	$1,000,000 (-) Land $494,800 Building $505,200	$1,000,000 (-) Land $494,800 Building $505,200
2024	$43,560.00 (+1.7%)
2023		$1,000,000 Land $494,800 Building $505,200	$1,000,000 Land $494,800 Building $505,200
2022	$42,830.00

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	4 in force
Nearby Flood Claims	7 (1978–2021)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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	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 528 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