406 Hardwick St, Belvidere, NJ 07823 Property Records

Warren County and Belvidere Town property record for 406 Hardwick St, Belvidere, NJ 07823

Property Summary

Property Type	Single Family Home
Details	1,824 sqft · built 1850
Lot Size	0.198 acres (8,638 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Sep 2005)
Tax Bill	$7,505 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00037-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`03-00037-0000-00002`
Alternative APNs	`030003700002` `8602`

Interior

Stories	2 Stories
Building Area	1,824 sqft Living Area

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Construction Type	Frame
Lot Area	8,638 sqft (0.198 acres)
Lot Dimensions	192 ft deep x 45 ft wide

Location & Zoning

Account Number	8602
Street Address	406 HARDWICK ST
City	BELVIDERE
State	NJ
Zip	07823-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R50
Legal Subdivision	TOWN/ BELVIDERE
Legal Block	37
Legal Lot Number	2
Jurisdiction	WARREN NJ
Township / Civil Division	BELVIDERE
Census Block Group	3
Census Block	3016
Census Tract	31700

Owner

406 Hardwick St is owned and occupied by two individuals who bought it in September 2005.

Source: Warren County and Belvidere Town records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 HARDWICK ST, BELVIDERE, NJ 07823-1820
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
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit IRCO COMMUNITY FCU
May 19, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IRCO COMMUNITY FCU
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit IRCO CMNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2005 · Amount on File
Deed Sale	Sep 14, 2005 · Amount on File
Deed Document Number	2005262689
Deed Book / Page	2030 / 216
Prior Transfer Date	Aug 10, 2001
Prior Transfer Doc	0017620314
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	406 HARDWICK ST, BELVIDERE, NJ 07823-1820
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	PRO PROPERTY ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006775/232
Date	Jun 10, 2022
Book Page	6775/232
Instrument	2022-577288

Lender

Name	IRCO COMMUNITY FCU
Type	Credit Union
Address	PHILLIPSBURG, NJ 08865

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	406 HARDWICK ST, BELVIDERE, NJ 07823-1820
Transaction Type	Mortgage
Record Updated	Jun 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007336/224
Date	May 19, 2022
Book Page	7336/224
Instrument	2022-576147

Lender

Name	IRCO COMMUNITY FCU
Type	Credit Union
Address	PHILLIPSBURG, NJ 08865

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	406 HARDWICK ST, BELVIDERE, NJ 07823-1820
Document Number	0000518601
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	PRO PROPERTY ABSTRACT, PRO PROP ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 HARDWICK ST BELVIDERE NJ 078231820, BELVIDERE, NJ 07823-1820

Mortgage

Document Number	0000518601
Date	Oct 28, 2019
Book Page	006775/000232
Instrument	518601

Lender

Name	IRCO CMNTY FCU
Type	Credit Union
Address	PHILLIPSBURG, NJ 08865

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 406 Hardwick St was $7,505, up 3.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$227,300 (-) Land $46,000 Building $181,300	$227,300 (-) Land $46,000 Building $181,300
2025	$7,505.00 (+3.73%)	$227,300 Land $46,000 Building $181,300	$227,300 Land $46,000 Building $181,300
2024	$7,235.00
2023		$227,300 Land $46,000 Building $181,300	$227,300 Land $46,000 Building $181,300
2022	$6,654.00

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

Flood

FEMA maps place 406 Hardwick St in Zone X, an area of minimal flood risk, though there have been 50 flood claims nearby since 1996.

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	50 (1996–2011)
Claims Outside the SFHA	18 of 50
Most Recent Claim	Sep 2011 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2006 · 45 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 406 Hardwick St is low, with 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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	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	NJ AMERICAN WATER - BELVIDERE private · serves 2,854 people · EPA ID NJ2103001
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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	None 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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