322 Brainards Rd, Phillipsburg, NJ 08865 Property Records

Warren County and Harmony Township property record for 322 Brainards Rd, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	2,160 sqft · built 1987
Lot Size	2.01 acres (87,991 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Dec 2020)
Tax Bill	$7,251 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00034-0000-00005-07`

Property Details

APN / Parcel Number

Primary APN	`10-00034-0000-00005-07`
Alternative APN	`10000340000000050007`

Interior

Stories	2 Stories
Building Area	2,160 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	87,991 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	322 BRAINARDS RD
City	PHILLIPSBURG
State	NJ
Zip	08865-8006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SITUATE/HARMONY TOWNSHIP
Legal Block	34
Legal Lot Number	5.7
Jurisdiction	WARREN NJ
Township / Civil Division	HARMONY
Census Block Group	3
Census Block	3017
Census Tract	31800

Owner

322 Brainards Rd is owned and occupied by an individual who bought it in December 2020.

Source: Warren County and Harmony Township records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	322 BRAINARDS RD, PHILLIPSBURG, NJ 08865-8006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2020 · Amount on File
Deed Sale	Dec 30, 2020 · Amount on File
Prior Sale	Aug 31, 1989 · Amount on File
Deed Document Number	2020542926
Deed Book / Page	3122 / 25
Record Updated	Sep 20, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Dec 30, 2020
Property Address	322 BRAINARDS RD, PHILLIPSBURG, NJ 08865-8006
Document Number	0000542926
Book / Page	003122 / 000025
Instrument Date	Dec 22, 2020
Instrument	542926
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 BRAINARDS RD PHILLIPSBURG NJ 088658006, PHILLIPSBURG, NJ 08865-8006

Mortgage

Document Number	542927
Date	Dec 30, 2020
Book Page	007003/000206
Instrument	542927

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 322 Brainards Rd was $7,251, down 1.7% from the year before.

Source: Warren County and Harmony Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Warren County
County Subdivision	Harmony Township
Unified School District	Harmony Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$272,100 (-) Land $75,200 Building $196,900	$272,100 (-) Land $75,200 Building $196,900
2025	$7,251.00 (-1.65%)	$272,100 Land $75,200 Building $196,900	$272,100 Land $75,200 Building $196,900
2024	$7,373.00
2023		$272,100 Land $75,200 Building $196,900	$272,100 Land $75,200 Building $196,900
2022	$6,846.00

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

Flood

FEMA maps place 322 Brainards Rd in Zone X, an area of minimal flood risk, though there have been 173 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	173 (1986–2011)
Claims Outside the SFHA	68 of 173
Most Recent Claim	Sep 2011 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2006 · 134 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

Wildfire risk around 322 Brainards Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct 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 26 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
T-Mobile Fixed Wireless	100 / 20