Union County and Summit City property record for 48 Bedford Rd, Summit, NJ 07901
| Property Type | Single Family Home |
|---|---|
| Details | 4,062 sqft · built 1988 |
| Lot Size | 0.383 acres (16,683 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,125,000 (Aug 2023) |
| Tax Bill | $36,890 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-01103-0000-00005 |
| Primary APN | 18-01103-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,062 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 16,683 sqft (0.383 acres) |
| Lot Dimensions | 167 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 1800137B00003A |
|---|---|
| Street Address | 48 BEDFORD RD |
| City | SUMMIT |
| State | NJ |
| Zip | 07901-1600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R25 |
| Legal Subdivision | CITY/SUMMIT |
| Legal Block | 1103 |
| Legal Lot Number | 5 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SUMMIT |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 37700 |
Source: Union County and Summit City records · APN 18-01103-0000-00005
Assessment roll updated July 8, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 08, 2022 | Deed of Trust, Mortgage · Line of Credit VALLEY BANK |
| Aug 09, 2023 | Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Dec 12, 2020 | Deed of Trust, Mortgage · Line of Credit VALLEY NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 09, 2023 · Amount on Record |
| Deed Sale | Aug 09, 2023 · Amount on Record |
| Prior Sale | Jun 28, 2004 · Amount on Record |
| Deed Document Number | 202331104 |
| Deed Book / Page | 6517 / 2240 |
| Prior Transfer Date | Jan 11, 1995 |
| Prior Transfer Doc | 0000012820 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Investor | Possibly a Property Investor |
| Document Number | 0151612202 |
|---|---|
| Date | Feb 08, 2022 |
| Book Page | 15161/2202 |
| Instrument | 31323 |
| Name | VALLEY BANK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Aug 09, 2023 |
| Property Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Document Number | 0065172240 |
| Book / Page | 6517 / 2240 |
| Instrument Date | Jul 24, 2023 |
| Instrument | 31104 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ACRES LAND TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $44,437.50 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1 FINERAN WAY APT 246, 246, SHORT HILLS, NJ 07078-2644 |
| Name | Verified Name |
|---|---|
| Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Investor | Possibly a Property Investor |
| Document Number | 0000054877 |
|---|---|
| Date | Aug 09, 2023 |
| Instrument | 54877 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Type Change Date | Aug 01, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 12.3% |
| Index | SOFR Average 30-Day |
| Max Rate | 12.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0146832906 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 14683/2906 |
| Instrument | 690417 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 48 BEDFORD RD, SUMMIT, NJ 07901-1600 |
| Document Number | 0148502380 |
| Instrument Date | Dec 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2021 |
| Title Company | FIRST JERSEY TITLE SERVICES INC, FIRST JERSEY TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 48 BEDFORD RD SUMMIT NJ 079011600, SUMMIT, NJ 07901-1600 |
| Document Number | 0148502380 |
|---|---|
| Date | Jan 04, 2021 |
| Book Page | 014850/002380 |
| Instrument | 188 |
| Name | VALLEY NAT'L BK |
|---|---|
| Type | Bank |
| Address | 1455 VALLEY RD, WAYNE, NJ 07470-2089 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Union County and Summit City records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Summit City |
| Unified School District | Summit City School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $775,100 (-6.06%) Land $169,900 Building $605,200 | $775,100 (-6.06%) Land $169,900 Building $605,200 | |
| 2025 | $36,890.00 (+2.64%) | $825,100 (-) Land $169,900 Building $655,200 | $825,100 (-) Land $169,900 Building $655,200 |
| 2024 | $35,941.00 (+1.7%) | ||
| 2023 | $825,100 (-) Land $169,900 Building $655,200 | $825,100 (-) Land $169,900 Building $655,200 | |
| 2022 | $35,339.00 (-0.79%) | $825,100 Land $169,900 Building $655,200 | $825,100 Land $169,900 Building $655,200 |
| 2021 | $35,619.00 |
Source: FEMA National Flood Hazard Layer as of September 24, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 325 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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