40 E Sterling St, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 40 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	$318,000 (Sep 2019)
Tax Bill	$10,543 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Sale & Mortgage
APN	`39-02104-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`39-02104-0000-00004`
Alternative APN	`390210400004`

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	40 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 2
Legal Block	2104
Legal Lot Number	4
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3015
Census Tract	45100

Owner

40 E Sterling St is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	40 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
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 19, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2019 · Amount on File
Deed Sale	Sep 19, 2019 · Amount on File
Prior Sale	Nov 16, 1998 · Amount on File
Deed Document Number	201952436
Deed Book / Page	23617 / 1972
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	40 E STERLING ST, WHARTON, NJ 07885-2439
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	1ST RATE TITLE AND SETMNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0238711248
Date	Sep 11, 2020
Book Page	23871/1248
Instrument	2020062775

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MORRIS NJ
Recording Date	Sep 19, 2019
Property Address	40 E STERLING ST, WHARTON, NJ 07885-2439
Document Number	0236171972
Book / Page	023617 / 001972
Instrument Date	Aug 20, 2019
Instrument	52436
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 E STERLING ST WHARTON NJ 078852439, WHARTON, NJ 07885-2439

Mortgage

Document Number	236171977
Date	Sep 19, 2019
Book Page	023617/001977
Instrument	52437

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2049

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		$429,700 (+12.84%) Land $163,000 Building $266,700	$429,700 (+12.84%) Land $163,000 Building $266,700
2025		$380,800 Land $138,000 Building $242,800	$380,800 Land $138,000 Building $242,800
2024	$10,543.00
2023		$338,000 Land $133,000 Building $205,000	$338,000 Land $133,000 Building $205,000
2022	$9,286.00

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 40 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 40 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.

Nearby Properties on E Sterling St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures