54 Silver Lake Dr, Summit, NJ 07901 Property Records

Union County and Summit City property record for 54 Silver Lake Dr, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	3,314 sqft · built 1956
Lot Size	0.508 acres (22,128 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Sep 1994)
Tax Bill	$30,179 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-05104-0000-00021`

Property Details

APN / Parcel Number

Primary APN	`18-05104-0000-00021`
Alternative APNs	`1800094I00018` `180510400021`

Interior

Stories	1 Story
Building Area	3,314 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	22,128 sqft (0.508 acres)
Garage Type	Attached

Location & Zoning

Old Parcel Number	1800094I00018
Street Address	54 SILVER LAKE DR
City	SUMMIT
State	NJ
Zip	07901-3252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Subdivision	WYNNWOOD
Legal Block	5104
Legal Lot Number	21
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3000
Census Tract	37900

Owner

54 Silver Lake Dr is owned and occupied by two individuals who acquired it in June 1998.

Source: Union County and Summit City records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 SILVER LAKE DR, SUMMIT, NJ 07901-3252
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Aug 8, 2019	Grant Deed, Transfer US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 1994 · Amount on File
Deed Sale	Sep 6, 1994 · Amount on File
Deed Document Number	19948681
Deed Book / Page	4151 / 146
Last Transfer Date	Jun 5, 1998
Transfer Doc	0000053166
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	54 SILVER LAKE DR, SUMMIT, NJ 07901-3252
Document Number	0148450307
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 SILVER LAKE DR SUMMIT NJ 079013252, SUMMIT, NJ 07901-3252

Mortgage

Document Number	0148450307
Date	Dec 28, 2020
Book Page	014845/000307
Instrument	706821

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Aug 8, 2019
Property Address	54 SILVER LAKE DR, SUMMIT, NJ 07901-3252
Document Number	0063342309
Book / Page	006334 / 002309
Instrument Date	Jun 28, 2019
Instrument	315812
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 SILVER LAKE DR SUMMIT NJ 079013252, SUMMIT, NJ 07901-3252

Mortgage

Document Number	145822670
Date	Aug 8, 2019
Book Page	014582/002670
Instrument	676696

Lender

Name	US BK
Type	Bank
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 54 Silver Lake Dr was $30,179, up 2.6% from the year before.

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		$675,000 (-) Land $432,400 Building $242,600	$675,000 (-) Land $432,400 Building $242,600
2025	$30,179.00 (+2.64%)	$675,000 Land $432,400 Building $242,600	$675,000 Land $432,400 Building $242,600
2024	$29,403.00
2023		$675,000 Land $432,400 Building $242,600	$675,000 Land $432,400 Building $242,600
2022	$28,910.00

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

Flood

FEMA maps place 54 Silver Lake Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.

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	3 in force
Nearby Flood Claims	3 (1999–2012)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 54 Silver Lake Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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