76 Elm St, Summit, NJ 07901 Property Records

Union County and Summit City property record for 76 Elm St, Summit, NJ 07901

Property Summary

Property Type	Single Family Home
Details	2,892 sqft · built 1900
Lot Size	0.311 acres (13,547 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Nov 1995)
Tax Bill	$21,219 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-03204-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`18-03204-0000-00004`
Alternative APNs	`1800075000000004` `180320400004`

Interior

Stories	2 Stories
Building Area	2,892 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	13,547 sqft (0.311 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1800075000000004
Street Address	76 ELM ST
City	SUMMIT
State	NJ
Zip	07901-3472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	3204
Legal Lot Number	4
Jurisdiction	UNION NJ
Township / Civil Division	SUMMIT
Census Block Group	5
Census Block	5006
Census Tract	38000

Owner

Source: Union County and Summit City records · APN 18-03204-0000-00004

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	76 ELM ST, SUMMIT, NJ 07901-3472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 1995 · Amount on Record
Deed Sale	Nov 16, 1995 · Amount on Record
Deed Document Number	199522154
Deed Book / Page	4316 / 58
Prior Transfer Date	Aug 01, 1995
Prior Transfer Doc	0000018742
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NJ
Property Address	76 ELM ST, SUMMIT, NJ 07901-3472
Transaction Type	Mortgage
Record Updated	Apr 07, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151452265
Date	Jan 18, 2022
Book Page	15145/2265
Instrument	29446

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jan 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

Tax Assessment & Valuation

Source: Union County and Summit City records · Assessment roll updated July 8, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$474,600 (-) Land $111,600 Building $363,000	$474,600 (-) Land $111,600 Building $363,000
2025	$21,219.00 (+2.64%)	$474,600 (-) Land $111,600 Building $363,000	$474,600 (-) Land $111,600 Building $363,000
2024	$20,673.00 (+1.7%)
2023		$474,600 Land $111,600 Building $363,000	$474,600 Land $111,600 Building $363,000
2022	$20,327.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1978–2021)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

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 · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 399 locations within half a mile of this property.

Drinking Water

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

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 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.