46 Summit Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 46 Summit Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	2,094 sqft · built 1907
Lot Size	0.087 acres (3,790 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Oct 2018)
Tax Bill	$7,153 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-01401-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`19-01401-0000-00005`
Alternative APNs	`190140100005` `03005550` `2705`

Interior

Stories	2 Stories
Building Area	2,094 sqft Living Area

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,790 sqft (0.087 acres)
Lot Dimensions	98 ft deep x 43 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	2705
Street Address	46 SUMMIT AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	PHILLIPSBURG
Legal Block	1401
Legal Lot Number	5
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	4
Census Block	4006
Census Tract	30700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Morris Canal listed 1974 · 9 contributing resources · NRIS 74002228

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Warren County and Phillipsburg Town 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	2 Individual Names on Record
Mailing Address	46 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAMILY FIRST FUNDING LLC
Oct 4, 2018	Grant Deed, Transfer · FHA Mortgage TOWNE MTG
Apr 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage JOHN J GRAHAM
Mar 6, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Deed Document Number	2018499667
Deed Book / Page	2900 / 251
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	46 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2347
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00007276/1
Date	Jan 26, 2022
Book Page	7276/1
Instrument	2022-569765

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2047

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Oct 4, 2018
Property Address	46 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2347
Document Number	0000499667
Book / Page	002900 / 000251
Instrument Date	Sep 7, 2018
Instrument	499667
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
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	46 SUMMIT AVE PHILLIPSBURG NJ 088652347, PHILLIPSBURG, NJ 08865-2347

Mortgage

Document Number	499668
Date	Oct 4, 2018
Book Page	006630/000130
Instrument	499668

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	46 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2347
Document Number	0000478835
Book / Page	006473 / 000244
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 4945 CLINTON NJ 088090945, CLINTON, NJ 08809-0945

Mortgage

Document Number	0000478835
Date	Aug 1, 2017
Book Page	006473/000244
Instrument	478835

Lender

Name	JOHN J GRAHAM
Address	23 EBERSOHL CIR, WHITEHOUSE STATION, NJ 08889-4027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WARREN NJ
Recording Date	Mar 6, 2017
Property Address	46 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2347
Document Number	0000472047
Book / Page	002745 / 000302
Instrument Date	Nov 1, 2016
Instrument	472047
Transaction Type	Foreclosure
Record Updated	Jun 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 4945 CLINTON NJ 088090945, CLINTON, NJ 08809-0945

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$153,000 (-) Land $29,300 Building $123,700	$153,000 (-) Land $29,300 Building $123,700
2025	$7,153.00 (+2.88%)	$153,000 (-) Land $29,300 Building $123,700	$153,000 (-) Land $29,300 Building $123,700
2024	$6,953.00 (+9.57%)
2023		$153,000 Land $29,300 Building $123,700	$153,000 Land $29,300 Building $123,700
2022	$6,346.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Provider	Max Down / Up (Mbps)
Service Electric Cable TV Cable	1,000 / 40
Starlink Satellite	280 / 30

May also be available: Astound Broadband, AT&T, T-Mobile, Verizon, Xfinity.

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