45 Summit Trl, Sparta, NJ 07871 Property Records

Sussex County and Sparta Township property record for 45 Summit Trl, Sparta, NJ 07871

Property Summary

Property Type	Single Family Home
Details	2,373 sqft · built 1940
Lot Size	0.406 acres (17,672 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Apr 2024)
Tax Bill	$11,092 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-04013-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`18-04013-0000-00002`
Alternative APN	`1800048000000002`

Interior

Stories	2 Stories
Building Area	2,373 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Lot Area	17,672 sqft (0.406 acres)
Lot Dimensions	137 ft deep x 129 ft wide

Location & Zoning

Old Parcel Number	1800048000000002
Street Address	45 SUMMIT TRL
City	SPARTA
State	NJ
Zip	07871-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	ADDITIONAL LOTS: L3
Legal Subdivision	LAKE MOHAWK SEC SIXTEEN
Legal Block	4013
Legal Lot Number	2
Jurisdiction	SUSSEX NJ
Township / Civil Division	SPARTA
Census Block Group	3
Census Block	3005
Census Tract	373100

Owner

Source: Sussex County and Sparta Township records, as of July 6, 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 SUMMIT TRL, SPARTA, NJ 07871-1430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP
Nov 12, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 6, 2020	Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 3, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Sep 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	May 6, 2020 · Amount on Record
Deed Document Number	20246222
Deed Book / Page	10306 / 1707
Prior Transfer Date	Jan 24, 2000
Prior Transfer Doc	0000002431
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX NJ
Recording Date	Apr 15, 2024
Property Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430
Document Number	0103061707
Book / Page	10306 / 1707
Instrument Date	Apr 10, 2024
Instrument	2024006222
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TSG TITLE AGENCY INC, ATS TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,127.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 CHANGEBRIDGE RD # RDC6, RDC6, MONTVILLE, NJ 07045-9115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430

Mortgage

Document Number	2024006223
Date	Apr 15, 2024
Instrument	2024006223

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	SURETY LENDER SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100620318
Date	Nov 12, 2021
Book Page	10062/318
Instrument	20211112010357370

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX NJ
Recording Date	May 6, 2020
Property Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430
Document Number	0035550013
Book / Page	3555 / 13
Map Reference	MAP 175-C
Instrument Date	Apr 17, 2020
Instrument	1008210
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	886 BELMONT AVE # BB, 886, NORTH HALEDON, NJ 07508-2573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430

Mortgage

Document Number	20200506010082110
Date	May 6, 2020
Instrument	20200506010082110

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SUSSEX NJ
Recording Date	May 3, 2018
Property Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430
Document Number	0034740769
Book / Page	003474 / 000769
Instrument Date	Mar 12, 2018
Instrument	91390
Transaction Type	Foreclosure
Record Updated	Jun 4, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	45 SUMMIT TRL SPARTA NJ 078711430, SPARTA, NJ 07871-1430

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUSSEX NJ
Recording Date	Sep 27, 2017
Property Address	45 SUMMIT TRL, SPARTA, NJ 07871-1430
Document Number	0034460904
Book / Page	003446 / 000904
Instrument Date	Nov 27, 2015
Instrument	203920
Transaction Type	Transfer
Record Updated	Nov 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 FRANKLIN PL MORRIS PLAINS NJ 079502204, MORRIS PLAINS, NJ 07950-2204

Tax Assessment & Valuation

Source: Sussex County and Sparta Township assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Sussex County
County Subdivision	Sparta Township
Unified School District	Sparta Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$302,400 (-) Land $141,400 Building $161,000	$302,400 (-) Land $141,400 Building $161,000
2025	$11,092.00 (+2.2%)	$302,400 (-) Land $141,400 Building $161,000	$302,400 (-) Land $141,400 Building $161,000
2024	$10,853.00 (+6.71%)
2023		$302,400 Land $141,400 Building $161,000	$302,400 Land $141,400 Building $161,000
2022	$10,171.00

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, effective October 2, 2014 · 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	1 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2016 · 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

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	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	SPARTA TWP WATER UTILITY - LAKE MOHAWK serves 17,625 people · EPA ID NJ1918004
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2026) action level 15 ppb
Copper	1.36 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jul 2023 Lead public education Jan 2021
Monitoring and Reporting	5 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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