15 E Sterling St, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 15 E Sterling St, Wharton, NJ 07885

Property Summary

Property Type	Single Family Home
Details	2,288 sqft · built 1975
Lot Size	0.769 acres (33,502 sqft)
Owner	2 Individual Names on File
Last Sale	$476,000 (Oct 2021)
Tax Bill	$13,313 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2021 Sale & Mortgage
APN	`39-01710-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`39-01710-0000-00004`
Alternative APN	`390171000004`

Interior

Stories	2 Stories
Building Area	2,288 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	33,502 sqft (0.769 acres)
Lot Dimensions	100 ft deep x 335 ft wide
Garage Type	Attached

Location & Zoning

Street Address	15 E STERLING ST
City	WHARTON
State	NJ
Zip	07885-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Block	1710
Legal Lot Number	4
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3002
Census Tract	45100

Owner

15 E Sterling St is owned and occupied by two individuals who bought it in October 2021.

Source: Morris County and Wharton Borough records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 E STERLING ST, WHARTON, NJ 07885-2102
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 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 20, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage ABSOLUTE HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Prior Sale	Aug 12, 2019 · Amount on File
Deed Document Number	202186687
Deed Book / Page	24250 / 349
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Recording Date	Sep 23, 2026
Property Address	15 E STERLING ST, WHARTON, NJ 07885-2102
Document Number	0000042867
Book / Page	25178 / 913
Instrument Date	Aug 16, 2026
Instrument	202642867
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common, 169
Address	15 E STERLING ST, WHARTON, NJ 07885-2102

Mortgage

Document Number	0000042867,
Date	Sep 23, 2026
Book Page	25178/913
Instrument	202642867

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 1, 2051

Interest

Max Rate	-1%

October 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MORRIS NJ
Recording Date	Oct 20, 2021
Property Address	15 E STERLING ST, WHARTON, NJ 07885-2102
Document Number	0242500349
Book / Page	24250 / 349
Instrument Date	Aug 18, 2021
Instrument	2021086687
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3485 NE 5TH ST # ST108, 3485, HOMESTEAD, FL 33033-7663

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	15 E STERLING ST, WHARTON, NJ 07885-2102

Mortgage

Document Number	2021086688
Date	Oct 20, 2021
Instrument	2021086688

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Morris County and Wharton Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Wharton Borough
Secondary School District	Morris Hills Regional School District (09 - 12)
Elementary School District	Wharton Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$520,500 (+8.57%) Land $178,400 Building $342,100	$520,500 (+8.57%) Land $178,400 Building $342,100
2025		$479,400 Land $153,400 Building $326,000	$479,400 Land $153,400 Building $326,000
2024	$13,313.00
2023		$421,800 Land $143,400 Building $278,400	$421,800 Land $143,400 Building $278,400
2022	$12,002.00

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

Flood

FEMA has no flood map on file for 15 E Sterling St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Wildfire risk around 15 E Sterling St is low, with less than 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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHARTON WATER DEPT serves 6,342 people · EPA ID NJ1439001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	9 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 503 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: T-Mobile.

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