46 Locust Dr, Summit, NJ 07901 Property Records

Union County and Summit City property record for 46 Locust Dr, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	1,714 sqft · built 1921
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,485,000 (Sep 2025)
Tax Bill	$13,806 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`18-02709-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`18-02709-0000-00004`
Alternative APNs	`1800065000000010` `180270900004`

Interior

Stories	2 Stories
Building Area	1,714 sqft Living Area

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,975 sqft (0.229 acres)

Location & Zoning

Old Parcel Number	1800065000000010
Street Address	46 LOCUST DR
City	SUMMIT
State	NJ
Zip	07901-2442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	2709
Legal Lot Number	4
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1006
Census Tract	37900

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	46 LOCUST DR, SUMMIT, NJ 07901-2442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 16, 2018	Loan Modification, Mortgage · Conventional Mortgage SPENCER SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Oct 26, 1999 · Amount on Record
Deed Document Number	202549426
Deed Book / Page	6595 / 2116
Record Updated	Sep 20, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Sep 16, 2025
Property Address	46 LOCUST DR, SUMMIT, NJ 07901-2442
Document Number	0065952116
Book / Page	6595 / 2116
Instrument Date	Aug 22, 2025
Instrument	49426
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,293.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 DRUID HILL RD, SUMMIT, NJ 07901-3224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 LOCUST DR, SUMMIT, NJ 07901-2442
Investor	Possibly a Property Investor

Mortgage

Document Number	0000083104
Date	Sep 16, 2025
Instrument	83104

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NJ
Property Address	46 LOCUST DR, SUMMIT, NJ 07901-2442
Document Number	0144120220
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 LOCUST DR SUMMIT NJ 079012442, SUMMIT, NJ 07901-2442

Mortgage

Document Number	0144120220
Date	Mar 1, 2018
Book Page	014412/000220
Instrument	654356

Lender

Name	SPENCER SVGS BK
Type	Federal Savings Bank
Address	ELMWOOD PARK, NJ 07407

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 28, 2033

Interest

Rate Type	Fixed Rate
Rate	3.5%

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		$338,800 (+9.72%) Land $185,200 Building $153,600	$338,800 (+9.72%) Land $185,200 Building $153,600
2025	$13,806.00 (+2.64%)	$308,800 (-) Land $185,200 Building $123,600	$308,800 (-) Land $185,200 Building $123,600
2024	$13,451.00 (+1.71%)
2023		$308,800 Land $185,200 Building $123,600	$308,800 Land $185,200 Building $123,600
2022	$13,225.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	12 (1979–2021)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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 98% of the US · lower than 94% 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.

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 321 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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