20 Union St, Stanhope, NJ 07874 Property Records

Sussex County and Byram Township property record for 20 Union St, Stanhope, NJ 07874

Property Summary

Property Type	Single Family Home
Details	2,247 sqft · built 2016
Lot Size	0.488 acres (21,257 sqft)
Owner	Individual Name on File
Last Sale	$349,900 (Sep 2016)
Tax Bill	$12,881 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-00008-0000-00621`

Property Details

APN / Parcel Number

Primary APN	`04-00008-0000-00621`
Alternative APN	`040000800621`

Interior

Stories	1 Story
Building Area	2,247 sqft Living Area
1st Floor Area	2,247 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	21,257 sqft (0.488 acres)

Location & Zoning

Street Address	20 UNION ST
City	STANHOPE
State	NJ
Zip	07874-3429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	ADDITIONAL LOTS: L622 THRU 625
Legal Subdivision	BROOKWOOD MUSCONETCONG RIVER E
Legal Block	8
Legal Lot Number	621
Jurisdiction	SUSSEX NJ
Township / Civil Division	BYRAM
Census Block Group	2
Census Block	2010
Census Tract	374200

Owner

20 Union St is owned and occupied by an individual who acquired it in September 2020.

Source: Sussex County and Byram Township records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	20 UNION ST, STANHOPE, NJ 07874-3429
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 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Apr 14, 2022

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2016 · Amount on File
Deed Sale	Sep 15, 2016 · Amount on File
Prior Sale	Dec 11, 2015 · Amount on File
Deed Document Number	201610172390
Deed Book / Page	3402 / 820
Last Transfer Date	Sep 4, 2020
Transfer Doc	0036300912
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	20 UNION ST, STANHOPE, NJ 07874-3429
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	MAX TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0104051971
Date	Sep 17, 2025
Book Page	10405/1971
Instrument	2025016893

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	20 UNION ST, STANHOPE, NJ 07874-3429
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101080936
Date	Feb 24, 2022
Book Page	10108/936
Instrument	20220224010057060

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	20 UNION ST, STANHOPE, NJ 07874-3429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098300676
Date	Jul 27, 2020
Book Page	9830/676
Instrument	20200727010142020

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

April 2022:

Jurisdiction	SUSSEX NJ
Recording Date	Apr 14, 2022
Property Address	20 UNION ST, STANHOPE, NJ 07874-3429
Document Number	0036300912
Book / Page	3630 / 912
Instrument Date	Sep 4, 2020
Instrument	20220414010126410
Record Updated	May 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 UNION STREET, 20, BYRAM, NJ

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 UNION STREET, BYRAM, NJ

Tax Assessment & Valuation

The 2025 property tax bill for 20 Union St was $12,881, up 4.9% from the year before.

Source: Sussex County and Byram Township assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Sussex County
County Subdivision	Byram Township
Elementary School District	Byram Township School District (KG - 08)
Secondary School District	Lenape Valley Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$320,500 (-) Land $100,700 Building $219,800	$320,500 (-) Land $100,700 Building $219,800
2025	$12,881.00 (+4.94%)	$320,500 Land $100,700 Building $219,800	$320,500 Land $100,700 Building $219,800
2024	$12,275.00
2023		$320,500 Land $100,700 Building $219,800	$320,500 Land $100,700 Building $219,800
2022	$11,730.00

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

Flood

FEMA maps place 20 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 20 Union 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	Direct burnable vegetation

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	BROOKWOOD MUSCONETCONG RIVER POA private · serves 1,087 people · EPA ID NJ1904001
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 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	4 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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