38 E Sterling St, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 38 E Sterling St, Wharton, NJ 07885

Property Summary

Property Type	Single Family Home
Details	1,404 sqft · built 1959
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Jan 2024)
Tax Bill	$10,860 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2022 Mortgage
APN	`39-02104-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`39-02104-0000-00003`
Alternative APN	`390210400003`

Interior

Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Location & Zoning

Street Address	38 E STERLING ST
City	WHARTON
State	NJ
Zip	07885-2439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Subdivision	WOODLAND HOMES SEC 02
Legal Block	2104
Legal Lot Number	3
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3015
Census Tract	45100

Owner

38 E Sterling St is owned and occupied by an individual who bought it in January 2024.

Source: Morris County and Wharton Borough records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	38 E STERLING ST, WHARTON, NJ 07885-2439
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024 · Amount on File
Deed Sale	Jan 17, 2024 · Amount on File
Prior Sale	Aug 25, 1999 · Amount on File
Deed Document Number	20241772
Deed Book / Page	24703 / 1812
Prior Transfer Date	Mar 25, 2022
Prior Transfer Doc	0245121529
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Jan 17, 2024
Property Address	38 E STERLING ST, WHARTON, NJ 07885-2439
Document Number	0247031812
Book / Page	24703 / 1812
Instrument Date	Jan 2, 2024
Instrument	2024001772
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	TITLE ON DEMAND/NJ INC, TITLE ON DEMAND OF NJ INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,887.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 ROLLING MEADOWS RD, SAYLORSBURG, PA 18353-9388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E STERLING ST, WHARTON, NJ 07885-2439

Mortgage

Document Number	2024001773
Date	Jan 17, 2024
Instrument	2024001773

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MORRIS NJ
Recording Date	Oct 18, 2022
Property Address	38 E STERLING ST, WHARTON, NJ 07885-2439
Document Number	0245121529
Book / Page	24512 / 1529
Instrument Date	Mar 25, 2022
Instrument	2022068573
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 E STERLING ST, 38, WHARTON, NJ 07885-2439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E STERLING ST, WHARTON, NJ 07885-2439

Mortgage

Document Number	2022068574
Date	Oct 18, 2022
Instrument	2022068574

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Morris County and Wharton Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Wharton Borough
Secondary School District	Morris Hills Regional School District (09 - 12)
Elementary School District	Wharton Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$438,000 (+12.83%) Land $163,000 Building $275,000	$438,000 (+12.83%) Land $163,000 Building $275,000
2025		$388,200 Land $138,000 Building $250,200	$388,200 Land $138,000 Building $250,200
2024	$10,860.00
2023		$347,800 (+7.71%) Land $133,000 Building $214,800	$347,800 (+7.71%) Land $133,000 Building $214,800
2022	$9,648.00 (+5.45%)	$322,900 Land $133,000 Building $189,900	$322,900 Land $133,000 Building $189,900
2021	$9,149.00

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

Flood

FEMA has no flood map on file for 38 E Sterling St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 38 E Sterling St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 94% 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	WHARTON WATER DEPT serves 6,342 people · EPA ID NJ1439001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	9 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 503 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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