522 Edward St, Phillipsburg, NJ 08865 Property Records

Warren County and Lopatcong Township property record for 522 Edward St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,430 sqft · built 2006
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$358,000 (May 2024)
Tax Bill	$7,410 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Jun 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`15-00085-05-00014`

Property Details

APN / Parcel Number

Primary APN	`15-00085-05-00014`
Alternative APN	`1500085000500014`

Interior

Building Area	1,430 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	522 EDWARD ST
City	PHILLIPSBURG
State	NJ
Zip	08865-1985
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	ADDITIONAL LOTS: CHRISTIE MP5
Legal Subdivision	DELAWARE XING/MORRIS PARK AMD
Legal Block	85.5
Legal Lot Number	14
Jurisdiction	WARREN NJ
Township / Civil Division	LOPATCONG
Census Block Group	4
Census Block	4025
Census Tract	32200

Owner

Source: Warren County and Lopatcong Township records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	522 EDWARD ST, PHILLIPSBURG, NJ 08865-1985
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage PNC BK
Jun 20, 2018	Grant Deed, Construction Loan · Construction Mortgage BERKSHIRE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2024 · Amount on Record
Deed Sale	May 23, 2024 · Amount on Record
Prior Sale	Jun 12, 2019 · Amount on Record
Deed Document Number	2024606804
Deed Book / Page	3426 / 293
Record Updated	Sep 20, 2026

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Jun 12, 2019
Property Address	522 EDWARD ST, PHILLIPSBURG, NJ 08865-1985
Document Number	0000511317
Book / Page	002968 / 000014
Instrument Date	Jun 5, 2019
Instrument	511317
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 EDWARD ST PHILLIPSBURG NJ 088651985, PHILLIPSBURG, NJ 08865-1985

Mortgage

Document Number	511318
Date	Jun 12, 2019
Book Page	006715/000173
Instrument	511318

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2049

June 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Jun 20, 2018
Property Address	522 EDWARD ST, PHILLIPSBURG, NJ 08865-1985
Book / Page	006592 / 000292
Instrument Date	Jun 12, 2018
Instrument	494468
Transaction Type	Construction Loan
Record Updated	Jul 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1250 STATE ROUTE 28 #101 BRANCHBURG NJ 088763389, 101, BRANCHBURG, NJ 08876-3389

Mortgage

Document Number	0000494468
Date	Jun 20, 2018
Book Page	006592/000292
Instrument	494468

Lender

Name	BERKSHIRE BK
Type	Bank
Address	30 S PEARL ST, ALBANY, NY 12207-3427

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$243,600 (-) Land $97,500 Building $146,100	$243,600 (-) Land $97,500 Building $146,100
2025	$7,410.00 (+1.84%)	$243,600 (-) Land $97,500 Building $146,100	$243,600 (-) Land $97,500 Building $146,100
2024	$7,276.00 (+4.77%)
2023		$243,600 Land $97,500 Building $146,100	$243,600 Land $97,500 Building $146,100
2022	$6,945.00

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

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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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	0.01% 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.

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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Service Electric Cable TV Cable	1,000 / 40

May also be available: AT&T, Verizon.

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