5 Elm St E, Highland Lakes, NJ 07422 Property Records

Sussex County and Vernon Township property record for 5 Elm St E, Highland Lakes, NJ 07422

Property Summary

Property Type	Single Family Home
Details	1,080 sqft · built 1950
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Jul 2023)
Tax Bill	$6,575 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`22-00444-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`22-00444-0000-00005`
Alternative APN	`22001570200007`

Interior

Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	130 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	22001570200007
Street Address	5 ELM ST E
City	HIGHLAND LAKES
State	NJ
Zip	07422-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLC
Legal Block	444
Legal Lot Number	5
Jurisdiction	SUSSEX NJ
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1039
Census Tract	371503

Owner

5 Elm St E is owned and occupied by two individuals who bought it in July 2023.

Source: Sussex County and Vernon Township records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 26, 2023	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Apr 7, 2022	Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 29, 2019	Grant Deed, Transfer GREENWAY MTG FNDG
Jul 18, 2018	Grant Deed, Transfer · Conventional Mortgage BETTER MTG
Apr 28, 2017	Grant Deed, Transfer ALL PRO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on File
Deed Sale	Jul 26, 2023 · Amount on File
Prior Sale	Apr 7, 2022
Deed Document Number	202313015
Deed Book / Page	10259 / 1462
Prior Transfer Date	Jul 13, 2015
Prior Transfer Doc	0033820634
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUSSEX NJ
Recording Date	Jul 26, 2023
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Document Number	0102591462
Book / Page	10259 / 1462
Instrument Date	Jun 15, 2023
Instrument	2023013015
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	ALLIED TITLE LLC SUITE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319

Mortgage

Document Number	2023013016
Date	Jul 26, 2023
Instrument	2023013016

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0102591483
Date	Jul 26, 2023
Book Page	10259/1483
Instrument	2023013017

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 12, 2028

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Transaction Type	Mortgage
Record Updated	Nov 2, 2022
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319

Mortgage

Document Number	0102060096
Date	Oct 17, 2022
Book Page	10206/96
Instrument	20221017010285400

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUSSEX NJ
Recording Date	Apr 7, 2022
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Document Number	0036290768
Book / Page	3629 / 768
Instrument Date	Mar 10, 2022
Instrument	20220407010116560
Transaction Type	Transfer
Record Updated	May 13, 2022
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 ELM ST E, 5, HIGHLAND LAKES, NJ 07422-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319

Mortgage

Document Number	20220407010116570
Date	Apr 7, 2022
Instrument	20220407010116570

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	FIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319

Mortgage

Document Number	0100190163
Date	Aug 31, 2021
Book Page	10019/163
Instrument	20210831010269890

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	339 Months
Due	Nov 1, 2049

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX NJ
Recording Date	Oct 29, 2019
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Document Number	0035360435
Book / Page	003536 / 000435
Instrument Date	Oct 11, 2019
Instrument	213860
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 EFM ST E HIGHLAND LAKES NJ 07422, HIGHLAND LAKES, NJ 07422

Mortgage

Document Number	97500074
Date	Oct 29, 2019
Book Page	009750/000074
Instrument	213870

Lender

Name	GREENWAY MTG FNDG
Type	Mortgage Company
Address	MIDDLETOWN, NJ 07748

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX NJ
Recording Date	Jul 18, 2018
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Document Number	0034830770
Book / Page	003483 / 000770
Instrument Date	Jun 29, 2018
Instrument	145930
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	MAX TITLE AGENCY LLC, MAX TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ELM ST E HIGHLAND LAKES NJ 074221319, HIGHLAND LAKES, NJ 07422-1319

Mortgage

Document Number	96210495
Date	Jul 18, 2018
Book Page	009621/000495
Instrument	145940

Lender

Name	BETTER MTG
Type	Mortgage Company
Address	NEW YORK, NY 10013

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUSSEX NJ
Recording Date	Apr 28, 2017
Property Address	5 ELM ST E, HIGHLAND LAKES, NJ 07422-1319
Document Number	0034250428
Book / Page	003425 / 000428
Instrument Date	Mar 31, 2017
Instrument	87750
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	ALL PRO TITLE

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 TREMONT CT HUNTINGTON STATION NY 117464547, HUNTINGTON STATION, NY 11746-4547

Tax Assessment & Valuation

The 2025 property tax bill for 5 Elm St E was $6,575, up 5.4% from the year before.

Source: Sussex County and Vernon Township assessment roll, as of July 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$280,400 (-) Land $171,400 Building $109,000	$280,400 (-) Land $171,400 Building $109,000
2025	$6,575.00 (+5.42%)	$280,400 Land $171,400 Building $109,000	$280,400 Land $171,400 Building $109,000
2024	$6,237.00
2023		$253,800 (+10.83%) Land $151,400 Building $102,400	$253,800 (+10.83%) Land $151,400 Building $102,400
2022	$6,455.00 (+8.56%)	$229,000 Land $130,700 Building $98,300	$229,000 Land $130,700 Building $98,300
2021	$5,946.00

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

Flood

FEMA maps place 5 Elm St E in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding

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 5 Elm St E 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Alteva of Warwick Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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