227 Irwin St, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 227 Irwin St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,328 sqft · built 1930
Lot Size	0.057 acres (2,483 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Mar 2018)
Tax Bill	$5,278 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-01304-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`19-01304-0000-00016`
Alternative APNs	`190130400016` `05004500` `2315`

Interior

Stories	2 Stories
Building Area	1,328 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,483 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	2315
Street Address	227 IRWIN ST
City	PHILLIPSBURG
State	NJ
Zip	08865-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Description	FACILITY NAME: WIDOW DISBABLED VET
Legal Subdivision	TOWN/PHILLIPSBURG
Legal Block	1304
Legal Lot Number	16
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	2
Census Block	2015
Census Tract	30700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Morris Canal listed 1974 · 9 contributing resources · NRIS 74002228

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	5 FELTON ST, NORWOOD, NY 13668-1401
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MTG
Mar 27, 2018	Grant Deed, Transfer · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2018 · Amount on Record
Deed Sale	Mar 27, 2018 · Amount on Record
Prior Sale	Jun 15, 1987 · Amount on Record
Deed Document Number	2018490521
Deed Book / Page	2845 / 36
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	227 IRWIN ST, PHILLIPSBURG, NJ 08865-2441
Document Number	0000536509
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	227 IRWIN ST PHILLIPSBURG NJ 088652441, PHILLIPSBURG, NJ 08865-2441

Mortgage

Document Number	0000536509
Date	Sep 30, 2020
Book Page	006939/000109
Instrument	536509

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Mar 27, 2018
Property Address	227 IRWIN ST, PHILLIPSBURG, NJ 08865-2441
Document Number	0000490521
Book / Page	002845 / 000036
Instrument Date	Mar 16, 2018
Instrument	490521
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	227 IRWIN ST PHILLIPSBURG NJ 088652441, PHILLIPSBURG, NJ 08865-2441

Mortgage

Document Number	490522
Date	Mar 27, 2018
Book Page	006562/000287
Instrument	490522

Lender

Name	WFB NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 26, 2033

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		$112,900 (-) Land $25,800 Building $87,100	$112,900 (-) Land $25,800 Building $87,100
2025	$5,278.00 (+2.86%)	$112,900 (-) Land $25,800 Building $87,100	$112,900 (-) Land $25,800 Building $87,100
2024	$5,131.00 (+9.57%)
2023		$112,900 (-) Land $25,800 Building $87,100	$112,900 (-) Land $25,800 Building $87,100
2022	$4,683.00 (+1.85%)	$112,900 Land $25,800 Building $87,100	$112,900 Land $25,800 Building $87,100
2021	$4,598.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 1,139 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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