231 E Central Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Alpha Borough property record for 231 E Central Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,548 sqft · built 1914
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Apr 2021)
Tax Bill	$6,179 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-00082-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`02-00082-0000-00003`
Alternative APN	`020008200003`

Interior

Stories	2 Stories
Building Area	1,548 sqft Living Area

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Construction Type	Frame
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide

Location & Zoning

Street Address	231 E CENTRAL AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-4738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-3
Legal Subdivision	BOROUGH/ALPHA
Legal Block	82
Legal Lot Number	3
Jurisdiction	WARREN NJ
Township / Civil Division	ALPHA
Census Block Group	1
Census Block	1054
Census Tract	32400

Owner

Source: Warren County and Alpha Borough assessment roll, 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 File
Mailing Address	231 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 12, 2019	Grant Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	2021549611
Deed Book / Page	3148 / 212
Prior Transfer Date	Oct 31, 2013
Prior Transfer Doc	0000417558
Record Updated	Sep 20, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Apr 1, 2021
Property Address	231 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4738
Document Number	3148/212
Book / Page	3148 / 212
Instrument Date	Mar 16, 2021
Instrument	2021-549611
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	SIMPLICITY TITLE LLC, SIMPLICITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	159 HUDSON ST, 159, PHILLIPSBURG, NJ 08865-2428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 E CENTRAL AVE, ALPHA, NJ 08865-4738

Mortgage

Document Number	2021549612
Date	Apr 1, 2021
Instrument	2021-549612

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Jul 12, 2019
Property Address	231 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4738
Document Number	0000512849
Book / Page	002976 / 000186
Instrument Date	Jul 8, 2019
Instrument	512849
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 E CENTRAL AVE ALPHA NJ 088654738, ALPHA, NJ 08865-4738

Tax Assessment & Valuation

Source: Warren County and Alpha Borough assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,300 (-) Land $67,700 Building $109,600	$177,300 (-) Land $67,700 Building $109,600
2025	$6,179.00 (-4.35%)	$177,300 (-) Land $67,700 Building $109,600	$177,300 (-) Land $67,700 Building $109,600
2024	$6,460.00 (+7.74%)
2023		$177,300 Land $67,700 Building $109,600	$177,300 Land $67,700 Building $109,600
2022	$5,996.00

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 · 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	1 in force
Nearby Flood Claims	19 (1979–2011)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 6 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	Not rated no burnable land within ember reach

Drinking Water

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

Water System	ALPHA MUNICIPAL WATER WORKS serves 2,530 people · EPA ID NJ2102001
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	12 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Service Electric Television.

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