Union County and Summit City property record for 88 Elm St, Summit, NJ 07901
| Property Type | Single Family Home |
|---|---|
| Details | 1,776 sqft · built 1959 |
| Lot Size | 0.118 acres (5,140 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $690,000 (Apr 2018) |
| Tax Bill | $13,981 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-03212-0000-00018 |
| Primary APN | 18-03212-0000-00018 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,776 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,140 sqft (0.118 acres) |
| Old Parcel Number | 1800077000000019A |
|---|---|
| Street Address | 88 ELM ST |
| City | SUMMIT |
| State | NJ |
| Zip | 07901-3473 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Block | 3212 |
| Legal Lot Number | 18 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SUMMIT |
| Census Block Group | 5 |
| Census Block | 5013 |
| Census Tract | 38000 |
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 | 88 ELM ST, SUMMIT, NJ 07901-3473 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2022 | Deed of Trust, Mortgage · Line of Credit KEARNY BANK |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INVESTORS BANK |
| Apr 11, 2018 | Deed, Transfer · Conventional Mortgage INVESTORS HOME MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2018 · Amount on Record |
| Deed Sale | Apr 11, 2018 · Amount on Record |
| Prior Sale | Jul 22, 2004 · Amount on Record |
| Deed Document Number | 2018298616 |
| Deed Book / Page | 6256 / 157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 88 ELM ST, SUMMIT, NJ 07901-3473 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0153022994 |
|---|---|
| Date | Nov 16, 2022 |
| Book Page | 15302/2994 |
| Instrument | 45490 |
| Name | KEARNY BANK |
|---|---|
| Type | Bank |
| Address | FAIRFIELD, NJ 07004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 88 ELM ST, SUMMIT, NJ 07901-3473 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0147782305 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 14778/2305 |
| Instrument | 699952 |
| Name | INVESTORS BANK |
|---|---|
| Type | Bank |
| Address | MILLBURN, NJ 07041 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Apr 11, 2018 |
| Property Address | 88 ELM ST, SUMMIT, NJ 07901-3473 |
| Document Number | 0062560157 |
| Book / Page | 6256 / 0157 |
| Instrument Date | Apr 2, 2018 |
| Instrument | 298616 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | NRT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,139.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 SWEETBRIAR RD, 30, SUMMIT, NJ 07901-3256 |
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 88 ELM ST, SUMMIT, NJ 07901-3473 |
| Document Number | 655870 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 655870 |
| Name | INVESTORS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
Source: Union County and Summit City assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Summit City |
| Unified School District | Summit City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $312,700 (-) Land $96,900 Building $215,800 | $312,700 (-) Land $96,900 Building $215,800 | |
| 2025 | $13,981.00 (-2.94%) | $312,700 (+56.9%) Land $96,900 Building $215,800 | $312,700 (+56.9%) Land $96,900 Building $215,800 |
| 2024 | $14,405.00 (+68.76%) | ||
| 2023 | $199,300 Land $96,900 Building $102,400 | $199,300 Land $96,900 Building $102,400 | |
| 2022 | $8,536.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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 |
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: 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 399 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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