Morris County and Netcong Borough property record for 5 Locust St, Netcong, NJ 07857
| Property Type | Single Family Home |
|---|---|
| Details | 1,339 sqft · built 1960 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Sep 2025) |
| Tax Bill | $8,502 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2026 Mortgage |
| APN | 28-00031-0000-00004 |
| Primary APN | 28-00031-0000-00004 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,339 sqft Living Area |
| 1st Floor Area | 1,339 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Street Address | 5 LOCUST ST |
|---|---|
| City | NETCONG |
| State | NJ |
| Zip | 07857-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Block | 31 |
| Legal Lot Number | 4 |
| Jurisdiction | MORRIS NJ |
| Township / Civil Division | NETCONG |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 46000 |
5 Locust St is owned and occupied by two individuals who bought it in September 2025.
Source: Morris County and Netcong Borough records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 LOCUST ST, NETCONG, NJ 07857-1410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2025 · Amount on File |
| Deed Sale | Sep 3, 2025 · Amount on File |
| Prior Sale | Jun 21, 2002 · Amount on File |
| Deed Document Number | 202535768 |
| Deed Book / Page | 24973 / 854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORRIS NJ |
| Property Address | 5 LOCUST ST, NETCONG, NJ 07857-1410 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5 LOCUST ST, NETCONG, NJ 07857-1410 |
| Investor | Possibly a Property Investor |
| Document Number | 0250710123 |
|---|---|
| Date | Mar 9, 2026 |
| Book Page | 25071/123 |
| Instrument | 2026009909 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORRIS NJ |
| Recording Date | Aug 18, 2026 |
| Property Address | 5 LOCUST ST, NETCONG, NJ 07857-1410 |
| Document Number | 0000037465 |
| Book / Page | 25160 / 1548 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 202637465 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 5 LOCUST ST, NETCONG, NJ 07857-1410 |
| Investor | Possibly a Property Investor |
| Document Number | 0000037465, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 25160/1548 |
| Instrument | 202637465 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Max Rate | -1% |
|---|
Source: Morris County and Netcong Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Morris County |
| Municipality | Netcong Borough |
| Secondary School District | Lenape Valley Regional School District (09 - 12) |
| Elementary School District | Netcong Borough School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $248,800 (-) Land $125,000 Building $123,800 | $248,800 (-) Land $125,000 Building $123,800 | |
| 2025 | $248,800 Land $125,000 Building $123,800 | $248,800 Land $125,000 Building $123,800 | |
| 2024 | $8,502.00 | ||
| 2023 | $248,800 Land $125,000 Building $123,800 | $248,800 Land $125,000 Building $123,800 | |
| 2022 | $8,071.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 5 Locust St; there have been 3 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1980–2005) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 2005 · Severe Storms And 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 risk around 5 Locust 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NETCONG WATER DEPT serves 3,342 people · EPA ID NJ1428001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Planet Networks Fiber | 10,000 / 10,000 |
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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