97 Summer St, Passaic, NJ 07055 Property Records

Passaic County and Passaic City property record for 97 Summer St, Passaic, NJ 07055

Property Summary

Property Type	Duplex
Details	2,444 sqft · built 1910
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on File
Last Sale	$720,000 (Jul 2025)
Tax Bill	$12,391 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-04106-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`07-04106-0000-00007`
Alternative APN	`070410600007`

Interior

Units	2 Units
Stories	2 Stories
Building Area	2,444 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Location & Zoning

Street Address	97 SUMMER ST
City	PASSAIC
State	NJ
Zip	07055-8611
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-3
Legal Block	4106
Legal Lot Number	7
Jurisdiction	PASSAIC NJ
Township / Civil Division	PASSAIC
Census Block Group	3
Census Block	3002
Census Tract	175401

Owner

97 Summer St, a duplex, is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 SUMMER ST, PASSAIC, NJ 07055-8611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His 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
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jul 15, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage METRO CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on File
Deed Sale	Jul 15, 2025 · Amount on File
Prior Sale	Jul 31, 2019 · Amount on File
Deed Document Number	202523406
Deed Book / Page	4933 / 148
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	97 SUMMER ST, PASSAIC, NJ 07055-8611
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	MEYMAX TITLE AGENCY/OH LLC, MEYMAX TITLE AGCY OF OH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013539
Date	Mar 4, 2022
Book Page	M17851/205
Instrument	2022013539

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jul 15, 2025
Property Address	97 SUMMER ST, PASSAIC, NJ 07055-8611
Document Number	0000023406
Book / Page	D4933 / 148
Instrument Date	Jun 26, 2025
Instrument	2025023406
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	EVERGREEN LAND TITLE SERVICES INC, EVERGREEN LAND TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 AVENUE F, LODI, NJ 07644-1910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 SUMMER ST, PASSAIC, NJ 07055-8611

Mortgage

Document Number	0000023407
Date	Jul 15, 2025
Instrument	2025023407

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8.25%
Index	1-Year T-Bill
Margin	5
Max Rate	12.2%

Tax Assessment & Valuation

The 2025 property tax bill for 97 Summer St was $12,391, up 3.3% from the year before.

Source: Passaic County and Passaic City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Passaic City
Unified School District	Passaic City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$291,000 (-) Land $59,400 Building $231,600	$291,000 (-) Land $59,400 Building $231,600
2025	$12,391.00 (+3.28%)	$291,000 Land $59,400 Building $231,600	$291,000 Land $59,400 Building $231,600
2024	$11,998.00
2023		$291,000 Land $59,400 Building $231,600	$291,000 Land $59,400 Building $231,600
2022	$11,302.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 97 Summer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 97 Summer St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 982 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	2,300 / 2,300

May also be available: AT&T, T-Mobile.

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