Sussex County and Andover Borough property record for 10 Smith St, Andover, NJ 07821
| Property Type | Single Family Home |
|---|---|
| Details | 1,824 sqft |
| Lot Size | 0.259 acres (11,282 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jul 2018) |
| Tax Bill | $8,181 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jul 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-00018-0000-00017 |
| Primary APN | 01-00018-0000-00017 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,824 sqft Living Area |
| Architectural Style | Ranch |
|---|---|
| Construction Type | Frame |
| Lot Area | 11,282 sqft (0.259 acres) |
| Lot Dimensions | 141 ft deep x 80 ft wide |
| Garage Type | Attached |
| Street Address | 10 SMITH ST |
|---|---|
| City | ANDOVER |
| State | NJ |
| Zip | 07821-4538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | GREAT GORGE VILLAGE SOUTH CONDOS BLDG G-2 UNIT 4 |
| Legal Block | 18 |
| Legal Lot Number | 17 |
| Jurisdiction | SUSSEX NJ |
| Township / Civil Division | ANDOVER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 373500 |
10 Smith St is owned and occupied by two individuals who bought it in July 2018.
Source: Sussex County and Andover Borough records, as of July 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 SMITH ST, ANDOVER, NJ 07821-4538 |
| 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.
| Date | Document |
|---|---|
| May 22, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jul 5, 2018 | Grant Deed, Transfer · Conventional Mortgage AMERICAN NBRHD MTG ACCPTNC |
| Nov 2, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2018 · Amount on File |
| Deed Sale | Jul 5, 2018 · Amount on File |
| Prior Sale | Jan 27, 2004 · Amount on File |
| Deed Document Number | 2018702010135900 |
| Deed Book / Page | 3482 / 505 |
| Prior Transfer Date | Jan 21, 2004 |
| Prior Transfer Doc | 0027930057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX NJ |
| Property Address | 10 SMITH ST, ANDOVER, NJ 07821-4538 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0098090740 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 9809/740 |
| Instrument | 20200522010094790 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUSSEX NJ |
| Recording Date | Jul 5, 2018 |
| Property Address | 10 SMITH ST, ANDOVER, NJ 07821-4538 |
| Document Number | 0034820505 |
| Book / Page | 003482 / 000505 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 137610 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2018 |
| Title Company | ALLIED TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 33 PATERSON PL NEWTON NJ 078602321, NEWTON, NJ 07860-2321 |
| Document Number | 96170920 |
|---|---|
| Date | Jul 5, 2018 |
| Book Page | 009617/000920 |
| Instrument | 137620 |
| Name | AMERICAN NBRHD MTG ACCPTNC |
|---|---|
| Type | Mortgage Company |
| Address | MT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 4, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUSSEX NJ |
| Property Address | 10 SMITH ST, ANDOVER, NJ 07821-4538 |
| Document Number | 0095540040 |
| Instrument Date | Nov 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 SMITH ST ANDOVER NJ 078214538, ANDOVER, NJ 07821-4538 |
| Document Number | 0095540040 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 009554/000040 |
| Instrument | 253970 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10 Smith St was $8,181, up 1.5% from the year before.
Source: Sussex County and Andover Borough assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| Municipality | Andover Borough |
| County | Sussex County |
| Unified School District | Andover Regional School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $247,900 (-) Land $95,200 Building $152,700 | $247,900 (-) Land $95,200 Building $152,700 | |
| 2025 | $8,181.00 (+1.51%) | $247,900 Land $95,200 Building $152,700 | $247,900 Land $95,200 Building $152,700 |
| 2024 | $8,059.00 | ||
| 2023 | $247,900 Land $95,200 Building $152,700 | $247,900 Land $95,200 Building $152,700 | |
| 2022 | $7,533.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Smith St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 risk around 10 Smith 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ANDOVER BORO WATER DEPT serves 606 people · EPA ID NJ1901001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2021–2023) 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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Planet Networks Fiber | 10,000 / 10,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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