327 Spruce Aly, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 327 Spruce Aly, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,012 sqft · built 1925
Lot Size	0.029 acres (1,263 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Dec 2023)
Tax Bill	$2,707 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-01903-0000-00025`

Property Details

APN / Parcel Number

Primary APN	`19-01903-0000-00025`
Alternative APNs	`190190300025` `04004090` `3695`

Interior

Stories	2 Stories
Building Area	1,012 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	1,263 sqft (0.029 acres)
Lot Dimensions	54 ft deep x 24 ft wide

Location & Zoning

Account Number	3695
Street Address	327 SPRUCE ALY
City	PHILLIPSBURG
State	NJ
Zip	08865-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Block	1903
Legal Lot Number	25
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	2
Census Block	2021
Census Tract	30900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Morris Canal listed 1974 · 9 contributing resources · NRIS 74002228

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Warren County and Phillipsburg Town 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 Record
Mailing Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · VA Mortgage NONE LISTED ON DOCUMENT
Dec 18, 2023	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 16, 2022	Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Dec 16, 2022 · Amount on Record
Deed Document Number	2023600829
Deed Book / Page	3394 / 185
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Recording Date	May 5, 2026
Property Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121
Document Number	0000636322
Book / Page	7897 / 239
Instrument Date	Apr 28, 2026
Instrument	2026636322
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121

Mortgage

Document Number	0000636322,
Date	May 5, 2026
Book Page	7897/239
Instrument	2026636322

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Dec 18, 2023
Property Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121
Document Number	003394/185
Book / Page	3394 / 185
Instrument Date	Dec 11, 2023
Instrument	2023-600829
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	CORTES AND HAY TITLE AGENCY INC, CORTES AND HAY TTL AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	657 COLUMBUS AVE, PHILLIPSBURG, NJ 08865-3307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121

Mortgage

Document Number	2023600830
Date	Dec 18, 2023
Instrument	2023-600830

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Dec 16, 2022
Property Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121
Document Number	0003316/59
Book / Page	3316 / 59
Instrument Date	Nov 9, 2022
Instrument	2022-586239
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	PLS TITLE AND SETTLEMENT, PLS TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	713 MACOPIN RD, WEST MILFORD, NJ 07480-2608

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	327 SPRUCE ALY, PHILLIPSBURG, NJ 08865-3121

Mortgage

Document Number	2022586240
Date	Dec 16, 2022
Instrument	2022-586240

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

Source: Warren County and Phillipsburg Town assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,900 (-) Land $13,100 Building $44,800	$57,900 (-) Land $13,100 Building $44,800
2025	$2,707.00 (+2.85%)	$57,900 (-) Land $13,100 Building $44,800	$57,900 (-) Land $13,100 Building $44,800
2024	$2,632.00 (+19.1%)
2023		$57,900 (+8.63%) Land $13,100 Building $44,800	$57,900 (+8.63%) Land $13,100 Building $44,800
2022	$2,210.00 (+1.84%)	$53,300 Land $13,100 Building $40,200	$53,300 Land $13,100 Building $40,200
2021	$2,170.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	AQUA NJ - PHILLIPSBURG private · serves 26,686 people · EPA ID NJ2119001
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2025
Monitoring and Reporting	3 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Service Electric Cable TV Cable	1,000 / 40
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Verizon.

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