1. Home
  2. New Jersey
  3. Sussex County
  4. Highland Lakes
  5. Cold Spring Dr

3 Cold Spring Dr, Highland Lakes, NJ 07422 Property Records

Sussex County and Vernon Township property record for 3 Cold Spring Dr, Highland Lakes, NJ 07422

Property Summary

Property TypeSingle Family Home
Details1,913 sqft · built 1987
Lot Size0.607 acres (26,441 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Aug 2022)
Tax Bill$8,494 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Feb 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN22-00138-0000-00010

Property Details

APN / Parcel Number

Primary APN22-00138-0000-00010
Alternative APN
  • 22001040500002

Interior

Stories1 Story
Building Area1,913 sqft Living Area
1st Floor Area1,913 sqft

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area26,441 sqft (0.607 acres)
Lot Dimensions132 ft deep x 200 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number22001040500002
Street Address3 COLD SPRING DR
CityHIGHLAND LAKES
StateNJ
Zip07422-1025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePLC
Legal DescriptionADDITIONAL LOTS: L 3
Legal SubdivisionBARRY LAKES BLUE RDG LAKES INC
Legal Block138
Legal Lot Number10
JurisdictionSUSSEX NJ
Township / Civil DivisionVERNON
Census Block Group1
Census Block1005
Census Tract371503

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address3 COLD SPRING DR, HIGHLAND LAKES, NJ 07422-1025
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2022Deed, Transfer · Conventional Mortgage
UNMB HOME LOANS INC
Feb 24, 2017Deed of Trust, Mortgage
GSL SVGS BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 24, 2022 · Amount on Record
Deed SaleAug 24, 2022 · Amount on Record
Prior SaleJan 13, 2016 · Amount on Record
Deed Document Number202210248140
Deed Book / Page3647 / 396
Prior Transfer DateMar 10, 2008
Prior Transfer Doc0031980533
Record UpdatedSep 20, 2026

August 2022: Deed, Transfer

Document TypeDeed
JurisdictionSUSSEX NJ
Recording DateAug 24, 2022
Property Address3 COLD SPRING DR, HIGHLAND LAKES, NJ 07422-1025
Document Number0036470396
Book / Page3647 / 396
Instrument DateAug 17, 2022
Instrument20220824010248140
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyNEW HORIZON ABSTRACT INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,102.50
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address4311 KENNEDY BLVD, NORTH BERGEN, NJ 07047-2737

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 COLD SPRING DR, HIGHLAND LAKES, NJ 07422-1025
InvestorPossibly a Property Investor

Mortgage

Document Number20220824010248150
DateAug 24, 2022
Instrument20220824010248150
Lender
NameUNMB HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUSSEX NJ
Property Address3 COLD SPRING DR, HIGHLAND LAKES, NJ 07422-1025
Document Number0094790017
Instrument DateFeb 24, 2017
Transaction TypeMortgage
Record UpdatedMay 20, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 COLD SPRING DR HIGHLAND LAKES NJ 074221025, HIGHLAND LAKES, NJ 07422-1025

Mortgage

Document Number0094790017
DateMar 3, 2017
Book Page009479/000017
Instrument48050
Lender
NameGSL SVGS BK
TypeFederal Savings Bank
AddressGUTTENBERG, NJ 07093
Agreement
AmountAmount Recorded
Term120 Months
DueMar 2, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountySussex County
County SubdivisionVernon Township
Unified School DistrictVernon Township School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$362,200 (-) Land $201,100 Building $161,100$362,200 (-) Land $201,100 Building $161,100
2025$8,494.00 (+4.59%)$362,200 (+22.82%) Land $201,100 Building $161,100$362,200 (+22.82%) Land $201,100 Building $161,100
2024$8,121.00 (+0.42%)
2023$294,900 Land $151,100 Building $143,800$294,900 Land $151,100 Building $143,800
2022$8,087.00

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 October 2, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2007)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 2007 · Severe Storms And Inland And Coastal Flooding

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 RiskLow
lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Planet Networks
Fiber		10,000 / 10,000
Alteva of Warwick
Fiber		1,000 / 1,000
Optimum
Cable		940 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cold Spring Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures