45 Lloyd Ave, Stanhope, NJ 07874 Property Records

Sussex County and Stanhope Borough property record for 45 Lloyd Ave, Stanhope, NJ 07874

Property Summary

Property Type	Single Family Home
Details	1,700 sqft · built 1930
Lot Size	0.174 acres (7,563 sqft)
Owner	Individual Name on File
Last Sale	$309,000 (Jun 2007)
Tax Bill	$9,781 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-10401-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`19-10401-0000-00017`
Alternative APN	`191040100017`

Interior

Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,700 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	7,563 sqft (0.174 acres)

Location & Zoning

Street Address	45 LLOYD AVE
City	STANHOPE
State	NJ
Zip	07874-2926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	ADDITIONAL LOTS: 22
Legal Subdivision	LAKE GROVE HEIGHTS
Legal Block	10401
Legal Lot Number	17
Jurisdiction	SUSSEX NJ
Township / Civil Division	STANHOPE
Census Block Group	3
Census Block	3003
Census Tract	374600

Owner

45 Lloyd Ave is owned and occupied by an individual who bought it in June 2007.

Source: Sussex County and Stanhope Borough records, as of July 6, 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	Individual Name on File
Mailing Address	45 LLOYD AVE, STANHOPE, NJ 07874-2926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 13, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2007 · Amount on File
Deed Sale	Jun 19, 2007 · Amount on File
Deed Document Number	200718212
Deed Book / Page	3149 / 321
Prior Transfer Date	Nov 2, 2001
Prior Transfer Doc	0026010235
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	45 LLOYD AVE, STANHOPE, NJ 07874-2926
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101230291
Date	Mar 18, 2022
Book Page	10123/291
Instrument	20220318010089250

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	45 LLOYD AVE, STANHOPE, NJ 07874-2926
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099450182
Date	May 13, 2021
Book Page	9945/182
Instrument	20210513010119980

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Lloyd Ave was $9,781 with a veteran's exemption, up 3.2% from the year before.

Source: Sussex County and Stanhope Borough assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Sussex County
Municipality	Stanhope Borough
Secondary School District	Lenape Valley Regional School District (09 - 12)
Elementary School District	Stanhope Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$495,200 (+135.92%) Land $279,700 Building $215,500	$495,200 (+135.92%) Land $279,700 Building $215,500
2025	$9,781.00 (+3.23%) Veteran's exemption	$209,900 Land $128,100 Building $81,800	$209,900 Land $128,100 Building $81,800
2024	$9,475.00
2023		$209,900 Land $128,100 Building $81,800	$209,900 Land $128,100 Building $81,800
2022	$8,826.00

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

Flood

FEMA maps place 45 Lloyd Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 45 Lloyd Ave 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 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	STANHOPE W DEPT serves 3,730 people · EPA ID NJ1919001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Optimum Fiber · Cable	8,000 / 8,000

May also be available: T-Mobile, Verizon.

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