3 Lake St, Stanhope, NJ 07874 Property Records

Sussex County and Stanhope Borough property record for 3 Lake St, Stanhope, NJ 07874

Property Summary

Property Type	Single Family Home
Details	1,870 sqft · built 1958
Lot Size	0.303 acres (13,199 sqft)
Owner	Company Name on Record
Last Sale	$176,000 (Oct 1997)
Tax Bill	$14,222 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-11106-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`19-11106-0000-00016`
Alternative APN	`191110600016`

Interior

Stories	1 Story
Building Area	1,870 sqft Living Area
1st Floor Area	1,870 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide

Location & Zoning

Street Address	3 LAKE ST
City	STANHOPE
State	NJ
Zip	07874-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	ADDITIONAL LOTS: 17
Legal Block	11106
Legal Lot Number	16
Jurisdiction	SUSSEX NJ
Township / Civil Division	STANHOPE
Census Block Group	3
Census Block	3015
Census Tract	374600

Owner

Source: Sussex County and Stanhope Borough records, as of August 17, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3 LAKE ST, STANHOPE, NJ 07874-2902
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit PICATINNY FEDERAL CREDIT UNION
Sep 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED POLICE FCU
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PICATINNY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 1997 · Amount on Record
Deed Sale	Oct 6, 1997 · Amount on Record
Deed Document Number	199717346
Deed Book / Page	2244 / 324
Last Transfer Date	Dec 23, 2010
Transfer Doc	00326600778
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Recording Date	Aug 3, 2026
Property Address	3 LAKE ST, STANHOPE, NJ 07874-2902
Document Number	0000014727
Book / Page	10472 / 943
Instrument Date	Jul 24, 2026
Instrument	202614727
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 LAKE ST, STANHOPE, NJ 07874-2902

Mortgage

Document Number	0000014727,
Date	Aug 3, 2026
Book Page	10472/943
Instrument	202614727

Lender

Name	PICATINNY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	3 LAKE ST, STANHOPE, NJ 07874-2902
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0104031587
Date	Sep 8, 2025
Book Page	10403/1587
Instrument	2025016183

Lender

Name	UNITED POLICE FCU
Type	Credit Union
Address	PERTH AMBOY, NJ 08861

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	3 LAKE ST, STANHOPE, NJ 07874-2902
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	AMERICAN TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098560409
Date	Sep 30, 2020
Book Page	9856/409
Instrument	20200930010204400

Lender

Name	PICATINNY FCU
Type	Credit Union
Address	DOVER, NJ 07801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Sussex County and Stanhope Borough assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Sussex County
Municipality	Stanhope Borough
Secondary School District	Lenape Valley Regional School District (09 - 12)
Elementary School District	Stanhope Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$659,200 (+115.99%) Land $320,600 Building $338,600	$659,200 (+115.99%) Land $320,600 Building $338,600
2025	$14,222.00 (+3.23%)	$305,200 (-) Land $140,300 Building $164,900	$305,200 (-) Land $140,300 Building $164,900
2024	$13,777.00 (+4.4%)
2023		$305,200 Land $140,300 Building $164,900	$305,200 Land $140,300 Building $164,900
2022	$13,196.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of New Jersey
Wildfire Likelihood	Under 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	STANHOPE W DEPT serves 3,730 people · EPA ID NJ1919001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fixed Wireless	300 / 20

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