5 Decker Rd, Phillipsburg, NJ 08865 Property Records

Warren County and Harmony Township property record for 5 Decker Rd, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,272 sqft · built 1970
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$408,300 (Jun 2026)
Tax Bill	$4,554 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00028-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`10-00028-0000-00023`
Alternative APN	`100002800023`

Interior

Building Area	1,272 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	26,136 sqft (0.6 acres)

Location & Zoning

Street Address	5 DECKER RD
City	PHILLIPSBURG
State	NJ
Zip	08865-8307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	28
Legal Lot Number	23
Jurisdiction	WARREN NJ
Township / Civil Division	HARMONY
Census Block Group	2
Census Block	2031
Census Tract	31800

Owner

Source: Warren County and Harmony Township records, as of July 10, 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	2 Individual Names on Record
Mailing Address	5 DECKER RD, PHILLIPSBURG, NJ 08865-8307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Aug 27, 2014 · Amount on Record
Deed Document Number	2026638534
Deed Book / Page	3581 / 332
Prior Transfer Date	Apr 3, 2000
Prior Transfer Doc	0000122941
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Jun 25, 2026
Property Address	5 DECKER RD, PHILLIPSBURG, NJ 08865-8307
Document Number	0000638534
Book / Page	3581 / 332
Instrument Date	Jun 17, 2026
Instrument	2026638534
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	AMERICAN LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,238.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 DECKER RD, PHILLIPSBURG, NJ 08865-8307

Mortgage

Document Number	0000638535,
Date	Jun 25, 2026
Instrument	2026638535

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$170,900 (-) Land $68,400 Building $102,500	$170,900 (-) Land $68,400 Building $102,500
2025	$4,554.00 (-1.66%)	$170,900 (-) Land $68,400 Building $102,500	$170,900 (-) Land $68,400 Building $102,500
2024	$4,631.00 (+7.72%)
2023		$170,900 Land $68,400 Building $102,500	$170,900 Land $68,400 Building $102,500
2022	$4,299.00

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

Flood

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 Policies	2 in force
Nearby Flood Claims	8 (1996–2023)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2006 · 2 claims

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

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