46 N Summit Ave, Chatham, NJ 07928 Property Records

Morris County and Chatham Borough property record for 46 N Summit Ave, Chatham, NJ 07928

Property Summary

Property Type	Single Family Home
Details	2,084 sqft · built 1946
Lot Size	0.141 acres (6,151 sqft)
Owner	2 Individual Names on File
Last Sale	$1,783,000 (Jul 2025)
Tax Bill	$14,678 (2024)
Deeds & Mortgages	Jun 2018 Mortgage Aug 2021 Mortgage
APN	`04-00054-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`04-00054-0000-00013`
Alternative APNs	`040005400013` `20410002`

Interior

Stories	2 Stories
Building Area	2,084 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Frame
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	123 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	20410002
Street Address	46 N SUMMIT AVE
City	CHATHAM
State	NJ
Zip	07928-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Subdivision	BOROUGH/CHATHAM
Legal Block	54
Legal Lot Number	13
Jurisdiction	MORRIS NJ
Township / Civil Division	CHATHAM
Census Block Group	1
Census Block	1020
Census Tract	42700

Owner

46 N Summit Ave is owned and occupied by two individuals who bought it in July 2025.

Source: Morris County and Chatham Borough records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jun 7, 2018	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on File
Deed Sale	Jul 30, 2025 · Amount on File
Prior Sale	Feb 19, 2015 · Amount on File
Deed Document Number	202530448
Deed Book / Page	24956 / 576
Prior Transfer Date	Mar 26, 2013
Prior Transfer Doc	0222900225
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	46 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	NEW JERSEY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233571518
Date	Jun 7, 2018
Book Page	23357/1518
Instrument	2018031396

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	46 N SUMMIT AVE, CHATHAM, NJ 07928-2539
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0242030483
Date	Aug 27, 2021
Book Page	24203/483
Instrument	2021071392

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2031
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	12-Month MTA
Max Rate	7.75%

Tax Assessment & Valuation

Source: Morris County and Chatham Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Chatham Borough
Unified School District	The Chathams School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$906,600 (-) Land $542,300 Building $364,300	$906,600 (-) Land $542,300 Building $364,300
2025		$906,600 Land $542,300 Building $364,300	$906,600 Land $542,300 Building $364,300
2024	$14,678.00
2023		$906,600 Land $542,300 Building $364,300	$906,600 Land $542,300 Building $364,300
2022	$12,729.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 46 N Summit Ave; there have been 8 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1978–2021)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

Wildfire risk around 46 N Summit Ave 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 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	CHATHAM WATER DEPT serves 8,962 people · EPA ID NJ1404001
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	1 ppb (2022–2024) 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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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