538 Edward St, Phillipsburg, NJ 08865 Property Records

Warren County and Lopatcong Township property record for 538 Edward St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,429 sqft · built 2011
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jul 2022)
Tax Bill	$7,480 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`15-00085-04-00004`

Property Details

APN / Parcel Number

Primary APN	`15-00085-04-00004`
Alternative APN	`1500085000400004`

Interior

Stories	1 Story
Building Area	1,429 sqft Living Area
1st Floor Area	1,429 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	538 EDWARD ST
City	PHILLIPSBURG
State	NJ
Zip	08865-1987
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	ADDITIONAL LOTS: BRITTANY MP3
Legal Subdivision	DELAWARE XING/MORRIS PARK AMD
Legal Block	85.4
Legal Lot Number	4
Jurisdiction	WARREN NJ
Township / Civil Division	LOPATCONG
Census Block Group	4
Census Block	4024
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	Company Name on Record
Mailing Address	538 EDWARD ST, PHILLIPSBURG, NJ 08865-1987
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 20, 2018	Grant Deed, Construction Loan · Construction Mortgage BERKSHIRE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	2022578693
Deed Book / Page	3276 / 335
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Jul 8, 2022
Property Address	538 EDWARD ST, PHILLIPSBURG, NJ 08865-1987
Document Number	003276/335
Book / Page	3276 / 335
Instrument Date	Jul 7, 2022
Instrument	2022-578693
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CORTES AND HAY TITLE AGENCY INC, CORTES & HAY TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1250 STATE ROUTE 28101, BRANCHBURG, NJ 08876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 EDWARD ST, PHILLIPSBURG, NJ 08865-1987
Investor	Possibly a Property Investor

Mortgage

Document Number	2022578694
Date	Jul 8, 2022
Instrument	2022-578694

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Jun 20, 2018
Property Address	538 EDWARD ST, PHILLIPSBURG, NJ 08865-1987
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		$245,900 (-) Land $97,800 Building $148,100	$245,900 (-) Land $97,800 Building $148,100
2025	$7,480.00 (+1.84%)	$245,900 (-) Land $97,800 Building $148,100	$245,900 (-) Land $97,800 Building $148,100
2024	$7,345.00 (+4.78%)
2023		$245,900 Land $97,800 Building $148,100	$245,900 Land $97,800 Building $148,100
2022	$7,010.00

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 303 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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