191 Summit Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 191 Summit Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,384 sqft · built 1921
Lot Size	0.039 acres (1,699 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Sep 2025)
Tax Bill	$6,840 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-00808-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`19-00808-0000-00007`
Alternative APNs	`190080800007` `03006670` `978`

Interior

Stories	2 Stories
Building Area	1,384 sqft Living Area

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Brick
Construction Type	Brick
Lot Area	1,699 sqft (0.039 acres)
Lot Dimensions	68 ft deep x 25 ft wide

Location & Zoning

Account Number	978
Street Address	191 SUMMIT AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-2454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Block	808
Legal Lot Number	7
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	1
Census Block	1004
Census Tract	30700

Owner

Source: Warren County and Phillipsburg Town records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jan 22, 2020	Deed of Trust, Mortgage MERCHANTS BK/BANGOR
Nov 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 17, 2018	Grant Deed, Transfer OTHER
May 18, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	2025626876
Deed Book / Page	3527 / 202
Prior Transfer Date	Nov 21, 2018
Prior Transfer Doc	0000502284
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Sep 29, 2025
Property Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454
Document Number	003527/202
Book / Page	3527 / 202
Instrument Date	Sep 16, 2025
Instrument	2025-626876
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	UNKNOWN, VIGILANT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$737.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 MORRIS ST, PHILLIPSBURG, NJ 08865-2400

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454

Mortgage

Document Number	2025626877
Date	Sep 29, 2025
Instrument	2025-626877

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454
Document Number	0000523704
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	333 MORRIS ST PHILLIPSBURG NJ 088652400, PHILLIPSBURG, NJ 08865-2400

Mortgage

Document Number	0000523704
Date	Feb 3, 2020
Book Page	006820/000282
Instrument	523704

Lender

Name	MERCHANTS BK/BANGOR
Type	Bank
Address	BANGOR, PA 18013

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 2, 2040

Interest

Rate Type	Adjustable Rate

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN NJ
Recording Date	Nov 30, 2018
Property Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454
Document Number	0000502284
Book / Page	002915 / 000276
Instrument Date	Nov 21, 2018
Instrument	502284
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	333 MORRIS ST PHILLIPSBURG NJ 088652400, PHILLIPSBURG, NJ 08865-2400

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Aug 17, 2018
Property Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454
Document Number	0000497411
Book / Page	002886 / 000289
Instrument Date	Jul 6, 2018
Instrument	497411
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$41.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	333 MORRIS ST PHILLIPSBURG NJ 088652400, PHILLIPSBURG, NJ 08865-2400

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WARREN NJ
Recording Date	May 18, 2018
Property Address	191 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2454
Document Number	0000492952
Book / Page	002859 / 000291
Instrument Date	May 7, 2018
Instrument	492952
Transaction Type	Foreclosure
Record Updated	Jul 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10790 RANCHO BERNARDO RD SAN DIEGO CA 921275705, SAN DIEGO, CA 92127-5705

Tax Assessment & Valuation

Source: Warren County and Phillipsburg Town assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Warren County
Municipality	Phillipsburg Town
Unified School District	Phillipsburg Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,200 (+7.45%) Land $22,500 Building $134,700	$157,200 (+7.45%) Land $22,500 Building $134,700
2025	$6,840.00 (+2.87%)	$146,300 (-) Land $22,500 Building $123,800	$146,300 (-) Land $22,500 Building $123,800
2024	$6,649.00 (+8.33%)	$146,300 (-) Land $22,500 Building $123,800	$146,300 (-) Land $22,500 Building $123,800
2023	$6,138.00 (+1.15%)	$146,300 Land $22,500 Building $123,800	$146,300 Land $22,500 Building $123,800
2022	$6,068.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2011 · 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	2 in force
Nearby Flood Claims	11 (2004–2006)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Jun 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2006 · 11 claims

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

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	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	AQUA NJ - PHILLIPSBURG private · serves 26,686 people · EPA ID NJ2119001
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2025
Monitoring and Reporting	3 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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Service Electric Cable TV Cable	1,000 / 40
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Xfinity.

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