422 Edward St, Phillipsburg, NJ 08865 Property Records

Warren County and Lopatcong Township property record for 422 Edward St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,706 sqft · built 2014
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jul 2022)
Tax Bill	$7,057 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-00085-03-00042`

Property Details

APN / Parcel Number

Primary APN	`15-00085-03-00042`
Alternative APN	`1500085000300042`

Interior

Building Area	1,706 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	422 EDWARD ST
City	PHILLIPSBURG
State	NJ
Zip	08865-1984
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	ADDITIONAL LOTS: ASHLEY MP1
Legal Subdivision	DELAWARE XING/MORRIS PARK AMD
Legal Block	85.3
Legal Lot Number	42
Jurisdiction	WARREN NJ
Township / Civil Division	LOPATCONG
Census Block Group	4
Census Block	4026
Census Tract	32200

Owner

Source: Warren County and Lopatcong Township records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	422 EDWARD ST, PHILLIPSBURG, NJ 08865-1984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORPORATION
Jul 20, 2022	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on Record
Deed Sale	Jul 20, 2022 · Amount on Record
Prior Sale	Mar 6, 2014 · Amount on Record
Deed Document Number	2022579372
Deed Book / Page	3280 / 120
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Recording Date	Apr 1, 2026
Property Address	422 EDWARD ST, PHILLIPSBURG, NJ 08865-1984
Document Number	0000634881
Book / Page	7882 / 238
Instrument Date	Mar 26, 2026
Instrument	2026634881
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 EDWARD ST, PHILLIPSBURG, NJ 08865-1984
Investor	Possibly a Property Investor

Mortgage

Document Number	0000634881,
Date	Apr 1, 2026
Book Page	7882/238
Instrument	2026634881

Lender

Name	COMMUNITY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Jul 20, 2022
Property Address	422 EDWARD ST, PHILLIPSBURG, NJ 08865-1984
Document Number	003280/120
Book / Page	3280 / 120
Instrument Date	Jul 14, 2022
Instrument	2022-579372
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	NUCO TITLE INSURANCE AGENCY INC, NUCO TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 SAUNDERS LN, 11, HACKETTSTOWN, NJ 07840-5525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 EDWARD ST, PHILLIPSBURG, NJ 08865-1984

Mortgage

Document Number	2022579373
Date	Jul 20, 2022
Instrument	2022-579373

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Warren County and Lopatcong Township assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Warren County
County Subdivision	Lopatcong Township
Unified School District	Lopatcong Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$232,000 (-) Land $98,300 Building $133,700	$232,000 (-) Land $98,300 Building $133,700
2025	$7,057.00 (+1.83%)	$232,000 (-) Land $98,300 Building $133,700	$232,000 (-) Land $98,300 Building $133,700
2024	$6,930.00 (+4.78%)
2023		$232,000 Land $98,300 Building $133,700	$232,000 Land $98,300 Building $133,700
2022	$6,614.00

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, 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
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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

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	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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Service Electric Cable TV Cable	1,000 / 40
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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