21 E Sterling St, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 21 E Sterling St, Wharton, NJ 07885

Property Summary

Property Type	Single Family Home
Details	1,630 sqft · built 1960
Lot Size	0.267 acres (11,648 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jul 2021)
Tax Bill	$11,546 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Nov 2020 Sale + 1 more
APN	`39-01709-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`39-01709-0000-00002`
Alternative APN	`390170900002`

Interior

Stories	1 Story
Building Area	1,630 sqft Living Area
1st Floor Area	1,630 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	11,648 sqft (0.267 acres)
Lot Dimensions	112 ft deep x 104 ft wide

Location & Zoning

Street Address	21 E STERLING ST
City	WHARTON
State	NJ
Zip	07885-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Subdivision	WOODLAND HOMES SEC 03
Legal Block	1709
Legal Lot Number	2
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3002
Census Tract	45100

Owner

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

Source: Morris County and Wharton Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 E STERLING ST, WHARTON, NJ 07885-2121
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
Jul 12, 2021	Deed, Transfer · Conventional Mortgage PINNACLE MORTGAGE INC
Nov 9, 2020	Grant Deed, Construction Loan PALAIS TITLE COMPANY, PALAIS TITLE CO
Nov 17, 2016	Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Nov 9, 2020 · Amount on File
Deed Document Number	202160251
Deed Book / Page	24170 / 752
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Jul 12, 2021
Property Address	21 E STERLING ST, WHARTON, NJ 07885-2121
Document Number	0241700752
Book / Page	24170 / 752
Instrument Date	Mar 31, 2021
Instrument	2021060251
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,167.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 MATTHEW CT, 2, RANDOLPH, NJ 07869-1058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E STERLING ST, WHARTON, NJ 07885-2121

Mortgage

Document Number	2021060252
Date	Jul 12, 2021
Instrument	2021060252

Lender

Name	PINNACLE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2051

November 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MORRIS NJ
Recording Date	Nov 9, 2020
Property Address	21 E STERLING ST, WHARTON, NJ 07885-2121
Document Number	0239261722
Book / Page	023926 / 001722
Instrument Date	Aug 28, 2020
Instrument	81202
Transaction Type	Construction Loan
Record Updated	Nov 19, 2020
Title Company	PALAIS TITLE COMPANY, PALAIS TITLE CO

Transaction

Amount	Amount on Record
Tax	$204.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21 E STERLING ST WHARTON NJ 078852121, WHARTON, NJ 07885-2121

November 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MORRIS NJ
Property Address	21 E STERLING ST, WHARTON, NJ 07885-2121
Document Number	0230620622
Instrument Date	Nov 17, 2016
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E STERLING ST WHARTON NJ 078852121, WHARTON, NJ 07885-2121

Mortgage

Document Number	0230620622
Date	Jan 13, 2017
Book Page	023062/000622
Instrument	2922

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

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		$470,000 (+12.57%) Land $165,100 Building $304,900	$470,000 (+12.57%) Land $165,100 Building $304,900
2025		$417,500 Land $140,100 Building $277,400	$417,500 Land $140,100 Building $277,400
2024	$11,546.00
2023		$369,300 Land $135,100 Building $234,200	$369,300 Land $135,100 Building $234,200
2022	$10,221.00

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

Flood

FEMA has no flood map on file for 21 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 21 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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 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	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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