48 E Sterling St, Wharton, NJ 07885 Property Records

Morris County and Wharton Borough property record for 48 E Sterling St, Wharton, NJ 07885

Property Summary

Property Type	Single Family Home
Details	1,752 sqft · built 1959
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$354,900 (Oct 2020)
Tax Bill	$11,173 (2024)
Deeds & Mortgages	Jul 2023 Second Mortgage Oct 2020 Sale
APN	`39-02104-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`39-02104-0000-00008`
Alternative APN	`390210400008`

Interior

Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,752 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	48 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	8
Jurisdiction	MORRIS NJ
Township / Civil Division	WHARTON
Census Block Group	3
Census Block	3015
Census Tract	45100

Owner

48 E Sterling St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	48 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
Jul 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 14, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Deed Document Number	202072232
Deed Book / Page	23899 / 930
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	48 E STERLING ST, WHARTON, NJ 07885-2439
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0246210636
Date	Jul 3, 2023
Book Page	24621/636
Instrument	2023024068

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2028

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MORRIS NJ
Recording Date	Oct 14, 2020
Property Address	48 E STERLING ST, WHARTON, NJ 07885-2439
Document Number	0238990930
Book / Page	023899 / 000930
Instrument Date	Sep 11, 2020
Instrument	72232
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$355.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 E STERLING ST WHARTON NJ 078852439, WHARTON, NJ 07885-2439

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		$459,000 (+12.69%) Land $163,000 Building $296,000	$459,000 (+12.69%) Land $163,000 Building $296,000
2025		$407,300 Land $138,000 Building $269,300	$407,300 Land $138,000 Building $269,300
2024	$11,173.00
2023		$357,500 Land $133,000 Building $224,500	$357,500 Land $133,000 Building $224,500
2022	$9,609.00

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 48 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 48 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.

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