The Fair Share Report

40 Broad St

Summit, NJ 07901

The town corrects for market drift once a year — but only on average. This report measures whether this house drifted with the herd or away from it.

Step 1 · Market value

≈ $1,030,608

Likely range $821,441 – $1,151,306, from 12 comparable Summit sales in the past 18 months (home size estimated from assessor data — range widened).

Step 2 · The Director's Ratio

30.81%

The state's official measure of how far Summit assessments sit below market value — republished every October, applied town-wide. A $1,030,608 home should be assessed near $317,530.

Step 3 · Assessed value

$122,900

Set at the last town-wide revaluation and mostly frozen since. That's $194,630 below what the ratio math suggests (61.3%).

Step 4 · The tax rate — same for every Summit home

$4.470 per $100 assessed

$2.335 Schools · 52% $1.092 County · 24% $1.043 Town · 23%

Summit also levies a Special Improvement District charge inside its district boundaries — the county roll doesn't say which homes are in it, but a bill's "IMPROVEMENT DISTRICT" line does. District homes pay $4.654 per $100 all-in (+$0.184).

Step 5 · The bill

$5,495/yr
Public schools$2,870
Union County$1,342
Town of Summit$1,282
Summit average$19,697

This home vs. every recent Summit sale · assessed ÷ market

Town median 26.5%
This home · 11.9%

5%41%

Keep quiet and enjoy it

This home's assessment ratio sits below the Summit pack — the frozen assessment is treating it kindly. It pays less than a fresh look would charge.

The evidence · comparable sales (SR1A usable-sale records)

AddressSoldPriceSq ftRatio
40 ORCHARD STREET2025-02$618,0001.1%
10 HARVEY CT2025-09$1,212,0001,36227.1%
24 GREENFIELD AVENUE2025-11$869,0001,52228.0%
4 MIDLAND TERR2025-11$1,485,0001,47622.3%
16 LOWELL AVE2025-12$1,130,0001,62521.5%
31 MIELE PL.2025-09$650,0001,26428.2%
10 WOODFERN RD2025-04$990,0001,41429.7%
16 EDISON DR2025-11$1,368,0001,78730.6%
172 COLONIAL RD2025-10$1,100,0001,45822.6%
127 BUTLER PKWY2026-02$890,5991,39824.3%
53 MADISON AVE2025-07$1,150,0001,54421.3%
55 HIGH ST2025-08$1,436,1351,50420.4%

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Estimates from public records — NJ MOD-IV assessments, SR1A usable sales, and Treasury/DCA rate tables. Your house has a history. Write the next chapter on Plotline →