304 E Central Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Alpha Borough property record for 304 E Central Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,190 sqft · built 1889
Lot Size	0.051 acres (2,198 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Mar 2021)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-00077-01-00003`

Property Details

APN / Parcel Number

Primary APN	`02-00077-01-00003`
Alternative APN	`0200077000000003`

Interior

Stories	2 Stories
Building Area	1,190 sqft Living Area

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Construction Type	Frame
Lot Area	2,198 sqft (0.051 acres)
Lot Dimensions	125 ft deep x 18 ft wide

Location & Zoning

Old Parcel Number	0200077000000003
Street Address	304 E CENTRAL AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-4741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-3
Legal Subdivision	BOROUGH/ALPHA
Legal Block	77.1
Legal Lot Number	3
Jurisdiction	WARREN NJ
Township / Civil Division	ALPHA
Census Block Group	1
Census Block	1044
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	Individual Name on File
Mailing Address	304 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 23, 2021	Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 23, 2021 · Amount on Record
Deed Sale	Mar 23, 2021 · Amount on Record
Deed Document Number	2021548791
Deed Book / Page	3145 / 152
Prior Transfer Date	Sep 28, 1998
Prior Transfer Doc	0000094747
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Recording Date	Apr 28, 2026
Property Address	304 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4741
Document Number	0000635986
Book / Page	7894 / 78
Instrument Date	Apr 22, 2026
Instrument	2026635986
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4741
Investor	Possibly a Property Investor

Mortgage

Document Number	0000635986,
Date	Apr 28, 2026
Book Page	7894/78
Instrument	2026635986

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 18, 2046

Interest

Rate	6.38%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	304 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4741
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007312/258
Date	Mar 30, 2022
Book Page	7312/258
Instrument	2022-573545

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Mar 23, 2021
Property Address	304 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4741
Document Number	3145/152
Book / Page	3145 / 152
Instrument Date	Feb 25, 2021
Instrument	2021-548791
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	SUNRISE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$472.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	944 PURSEL ST, 944, ALPHA, NJ 08865-4211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E CENTRAL AVE, ALPHA, NJ 08865-4741
Investor	Possibly a Property Investor

Mortgage

Document Number	2021548792
Date	Mar 23, 2021
Instrument	2021-548792

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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		$92,800 (-) Land $31,800 Building $61,000	$92,800 (-) Land $31,800 Building $61,000
2025	$3,234.00 (-4.38%) Disabled Person's exemption	$92,800 (-) Land $31,800 Building $61,000	$92,800 (-) Land $31,800 Building $61,000
2024	$3,382.00 (+7.78%)
2023		$92,800 Land $31,800 Building $61,000	$92,800 Land $31,800 Building $61,000
2022	$3,138.00

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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