Union County and Summit City property record for 46 Karen Way, Summit, NJ 07901
| Property Type | Single Family Home |
|---|---|
| Details | 2,786 sqft · built 2019 |
| Lot Size | 0.232 acres (10,106 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,300,000 (Feb 2020) |
| Tax Bill | $24,559 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Mar 2026 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00303-0000-00015 |
| Primary APN | 18-00303-0000-00015 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,786 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,106 sqft (0.232 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| Garage Type | Attached |
| Old Parcel Number | 1800123B00018 |
|---|---|
| Street Address | 46 KAREN WAY |
| City | SUMMIT |
| State | NJ |
| Zip | 07901-1605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Subdivision | SOUTHGATE SEC 4 |
| Legal Block | 303 |
| Legal Lot Number | 15 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SUMMIT |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 37700 |
46 Karen Way is owned and occupied by two individuals who bought it in February 2020.
Source: Union County and Summit City records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| 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 |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · Line of Credit US BANK |
| Mar 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK N A |
| Oct 2, 2018 | Deed of Trust, Mortgage · Commercial Mortgage UNITY BANK |
| Feb 14, 2020 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 24, 2018 | Deed, Transfer OLD REPUBLIC NATL TITLE INS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2020 · Amount on File |
| Deed Sale | Feb 14, 2020 · Amount on File |
| Prior Sale | Oct 24, 2018 · Amount on File |
| Deed Document Number | 2020322196 |
| Deed Book / Page | 6360 / 2039 |
| Prior Transfer Date | Oct 19, 1995 |
| Prior Transfer Doc | 0000021281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Oct 5, 2026 |
| Property Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0000098025 |
| Book / Page | 15866 / 2531 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 202698025 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0000098025, |
|---|---|
| Date | Oct 5, 2026 |
| Book Page | 15866/2531 |
| Instrument | 202698025 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 6, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0157762021 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | 15776/2021 |
| Instrument | 90486 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | May 12, 2026 |
| Property Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0000092388 |
| Book / Page | 15799 / 2976 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 202692388 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING |
| Name | Verified Name |
|---|---|
| Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0000092388, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 15799/2976 |
| Instrument | 202692388 |
| Name | JPMORGAN CHASE BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.09% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0144942448 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 14494/2448 |
| Instrument | 663491 |
| Name | UNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, NJ 08809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 17 Months |
| Due | Mar 28, 2020 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Feb 14, 2020 |
| Property Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0063602039 |
| Book / Page | 6360 / 2039 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 322196 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | SIMPLICITY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 335 MAIN ST, 335, MADISON, NJ 07940-2372 |
| Name | Verified Name |
|---|---|
| Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 686956 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 686956 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Oct 24, 2018 |
| Property Address | 46 KAREN WAY, SUMMIT, NJ 07901-1605 |
| Document Number | 0062920394 |
| Book / Page | 6292 / 0394 |
| Instrument Date | Aug 14, 2018 |
| Instrument | 306100 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | OLD REPUBLIC NATL TITLE INS |
| Amount | Amount on Record |
|---|---|
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 231 ASHLAND RD, 231, SUMMIT, NJ 07901-3221 |
| Name | Verified Name |
|---|---|
| Address | 335 MAIN ST, MADISON, NJ 07940-2372 |
The 2025 property tax bill for 46 Karen Way was $24,559, up 2.6% from the year before.
Source: Union County and Summit City assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Summit City |
| Unified School District | Summit City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $549,300 (-) Land $141,800 Building $407,500 | $549,300 (-) Land $141,800 Building $407,500 | |
| 2025 | $24,559.00 (+2.64%) | $549,300 Land $141,800 Building $407,500 | $549,300 Land $141,800 Building $407,500 |
| 2024 | $23,928.00 | ||
| 2023 | $549,300 Land $141,800 Building $407,500 | $549,300 Land $141,800 Building $407,500 | |
| 2022 | $23,526.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 46 Karen Way in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.
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 | 5 in force |
| Nearby Flood Claims | 6 (1978–2021) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 46 Karen Way is low, with less than 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 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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