4 Phyllis St, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 4 Phyllis St, Wharton, NJ 07885

Property Summary

Property Type	Single Family Home
Details	1,584 sqft · built 1959
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jan 2023)
Tax Bill	$11,993 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2023 Sale & Mortgage + 2 more
APN	`39-02103-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`39-02103-0000-00002`
Alternative APN	`390210300002`

Interior

Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	125 ft deep x 85 ft wide

Location & Zoning

Street Address	4 PHYLLIS ST
City	WHARTON
State	NJ
Zip	07885-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Subdivision	WOODLAND HOMES SEC 03
Legal Block	2103
Legal Lot Number	2
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3004
Census Tract	45100

Owner

Source: Morris County and Wharton Borough records, as of July 9, 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	2 Individual Names on Record
Mailing Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 6, 2023	Deed, Transfer · FHA Mortgage AMERICAS MORTGAGE LENDER LLC
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 5, 2018	Deed of Trust, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2023 · Amount on Record
Deed Sale	Jan 6, 2023 · Amount on Record
Prior Sale	Oct 17, 2018 · Amount on Record
Deed Document Number	2023588
Deed Book / Page	24551 / 566
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Recording Date	Apr 30, 2026
Property Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420
Document Number	0000018785
Book / Page	25099 / 964
Instrument Date	Apr 10, 2026
Instrument	202618785
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420

Mortgage

Document Number	0000018785,
Date	Apr 30, 2026
Book Page	25099/964
Instrument	202618785

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	May 1, 2052

Interest

Rate	6.11%
Max Rate	-1%

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Jan 6, 2023
Property Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420
Document Number	0245510566
Book / Page	24551 / 566
Instrument Date	Nov 3, 2022
Instrument	2023000588
Transaction Type	Transfer
Record Updated	Jan 20, 2023
Title Company	TWO RIVERS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,551.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 OLD HIGHWAY 28, WHITEHOUSE STATION, NJ 08889-3609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420

Mortgage

Document Number	2023000589
Date	Jan 6, 2023
Instrument	2023000589

Lender

Name	AMERICAS MORTGAGE LENDER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0236470666
Date	Nov 1, 2019
Book Page	23647/0666
Instrument	2019062449

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2034

October 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	4 PHYLLIS ST, WHARTON, NJ 07885-2420
Document Number	0234331611
Instrument Date	Oct 5, 2018
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PHYLLIS ST WHARTON NJ 078852420, WHARTON, NJ 07885-2420

Mortgage

Document Number	0234331611
Date	Oct 17, 2018
Book Page	023433/001611
Instrument	58417

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2048

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		$488,100 (+12.49%) Land $165,200 Building $322,900	$488,100 (+12.49%) Land $165,200 Building $322,900
2025		$433,900 (+13.23%) Land $140,200 Building $293,700	$433,900 (+13.23%) Land $140,200 Building $293,700
2024	$11,993.00 (+17.41%)
2023		$383,200 Land $135,200 Building $248,000	$383,200 Land $135,200 Building $248,000
2022	$10,215.00

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

FEMA Flood Zone	Not on file

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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 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	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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