486 S Main St, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 486 S Main St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	996 sqft · built 1900
Lot Size	0.073 acres (3,180 sqft)
Owner	Company Name on File
Last Sale	$101,000 (Dec 2021)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Aug 2023 Construction Loan Dec 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`19-02004-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`19-02004-0000-00017`
Alternative APNs	`190200400017` `02002240` `3784`

Interior

Stories	2 Stories
Building Area	996 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	3,180 sqft (0.073 acres)
Lot Dimensions	175 ft deep x 18 ft wide

Location & Zoning

Account Number	3784
Street Address	486 S MAIN ST
City	PHILLIPSBURG
State	NJ
Zip	08865-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-4
Legal Block	2004
Legal Lot Number	17
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	2
Census Block	2013
Census Tract	30900

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

486 S Main St is owned by a company that bought it in December 2021.

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

Owner of Record	Company Name on File
Mailing Address	229 SOMERSET ST, PHILLIPSBURG, NJ 08865-4565
Owner Type	Company

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
Aug 9, 2023	Deed of Trust, Mortgage · Construction Mortgage BPL MORTGAGE TRUST LLC
Dec 22, 2021	Deed, Construction Loan · Construction Mortgage ECF FUND I LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Aug 2, 2016 · Amount on File
Deed Document Number	2021567842
Deed Book / Page	3225 / 323
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	486 S MAIN ST, PHILLIPSBURG, NJ 08865-3031
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	PRESTIGE TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 W WESTFIELD AVE, ROSELLE PARK, NJ 07204-1841

Mortgage

Document Number	00007500/1
Date	Aug 9, 2023
Book Page	7500/1
Instrument	2023-595434

Lender

Name	BPL MORTGAGE TRUST LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Dec 22, 2021
Property Address	486 S MAIN ST, PHILLIPSBURG, NJ 08865-3031
Document Number	003225/323
Book / Page	3225 / 323
Instrument Date	Oct 26, 2021
Instrument	2021-567842
Transaction Type	Construction Loan
Record Updated	Jan 18, 2022
Title Company	PRESTIGE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 STUART LNMAIN, 42, FLUSHING, NY 11363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 SOMERSET ST, ALPHA, NJ 08865-4565

Mortgage

Document Number	2021567843
Date	Dec 22, 2021
Instrument	2021-567843

Lender

Name	ECF FUND I LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 486 S Main St was $1,795, up 2.9% from the year before.

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		$38,400 (-) Land $11,700 Building $26,700	$38,400 (-) Land $11,700 Building $26,700
2025	$1,795.00 (+2.87%)	$38,400 Land $11,700 Building $26,700	$38,400 Land $11,700 Building $26,700
2024	$1,745.00
2023		$38,400 Land $11,700 Building $26,700	$38,400 Land $11,700 Building $26,700
2022	$1,505.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 486 S Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 486 S Main 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	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 404 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
T-Mobile Fixed Wireless	100 / 20

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

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