10 James St, Stanhope, NJ 07874 Property Records

Sussex County and Stanhope Borough property record for 10 James St, Stanhope, NJ 07874

Property Summary

Property Type	Single Family Home
Details	1,575 sqft · built 1961
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Sep 2022)
Tax Bill	$11,016 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-11602-0000-00024`

Property Details

APN / Parcel Number

Primary APN	`19-11602-0000-00024`
Alternative APN	`191160200024`

Interior

Stories	1 Story
Building Area	1,575 sqft Living Area
1st Floor Area	1,575 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	115 ft deep x 100 ft wide

Location & Zoning

Street Address	10 JAMES ST
City	STANHOPE
State	NJ
Zip	07874-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Subdivision	PENNYTON HOMES SEC 05
Legal Block	11602
Legal Lot Number	24
Jurisdiction	SUSSEX NJ
Township / Civil Division	STANHOPE
Census Block Group	2
Census Block	2003
Census Tract	374600

Owner

10 James St is owned and occupied by two individuals who bought it in September 2022.

Source: Sussex County and Stanhope Borough records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 JAMES ST, STANHOPE, NJ 07874-2703
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
Sep 26, 2022	Deed, Transfer · FHA Mortgage MORIA DEVELOPMENT INC
Oct 28, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2022 · Amount on File
Deed Sale	Sep 26, 2022 · Amount on File
Prior Sale	Oct 27, 2006 · Amount on File
Deed Document Number	202210271200
Deed Book / Page	3650 / 740
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX NJ
Recording Date	Sep 26, 2022
Property Address	10 JAMES ST, STANHOPE, NJ 07874-2703
Document Number	0036500740
Book / Page	3650 / 740
Instrument Date	Sep 22, 2022
Instrument	20220926010271200
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	TITLE AMERICA AGENCY CORPORATION, TITLE AMERICA AGENCY CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1532 RALSTON RD, 1532, BETHLEHEM, PA 18018-1849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 JAMES ST, STANHOPE, NJ 07874-2703

Mortgage

Document Number	20220926010271210
Date	Sep 26, 2022
Instrument	20220926010271210

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	10 JAMES ST, STANHOPE, NJ 07874-2703
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100530455
Date	Oct 28, 2021
Book Page	10053/455
Instrument	20211028010338710

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Aug 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10 James St was $11,016, up 3.2% from the year before.

Source: Sussex County and Stanhope Borough assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Sussex County
Municipality	Stanhope Borough
Secondary School District	Lenape Valley Regional School District (09 - 12)
Elementary School District	Stanhope Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$444,400 (+87.99%) Land $190,800 Building $253,600	$444,400 (+87.99%) Land $190,800 Building $253,600
2025	$11,016.00 (+3.23%)	$236,400 Land $118,200 Building $118,200	$236,400 Land $118,200 Building $118,200
2024	$10,671.00
2023		$236,400 Land $118,200 Building $118,200	$236,400 Land $118,200 Building $118,200
2022	$10,221.00

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

Flood

FEMA maps place 10 James St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2014 · 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

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 10 James St is low, with a 0.01% 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	0.01% 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	STANHOPE W DEPT serves 3,730 people · EPA ID NJ1919001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

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