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540 River Rd, Phillipsburg, NJ 08865 Property Records

Warren County and Pohatcong Township property record for 540 River Rd, Phillipsburg, NJ 08865

Property Summary

Property TypeSingle Family Home
Details1,144 sqft · built 1948
Lot Size0.51 acres (22,216 sqft)
Owner2 Individual Names on Record
Last Sale$240,000 (Jun 2025)
Tax Bill$7,147 (2025)
Deeds & MortgagesJun 2026 Mortgage
Nov 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN20-00096-0000-00045

Property Details

APN / Parcel Number

Primary APN20-00096-0000-00045
Alternative APN
  • 200009600045

Interior

Stories1 Story
Building Area1,144 sqft Living Area
1st Floor Area1,144 sqft

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1948
Architectural StyleRanch
Construction TypeFrame
Lot Area22,216 sqft (0.51 acres)

Location & Zoning

Street Address540 RIVER RD
CityPHILLIPSBURG
StateNJ
Zip08865-7516
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-4
Legal DescriptionADDITIONAL LOTS: LOT 46
Legal Block96
Legal Lot Number45
JurisdictionWARREN NJ
Township / Civil DivisionPOHATCONG
Census Block Group4
Census Block4031
Census Tract32300

Owner

Source: Warren County and Pohatcong 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 Record2 Individual Names on Record
Mailing Address540 RIVER RD, PHILLIPSBURG, NJ 08865-7516
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 8, 2026Deed of Trust, Mortgage · Conventional Mortgage
FIRST CMNWLT FEDERAL CREDIT UNION
Nov 2, 2022Deed, Transfer · Conventional Mortgage
PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 2, 2025 · Amount on Record
Deed SaleJun 2, 2025 · Amount on Record
Prior SaleNov 2, 2022 · Amount on Record
Deed Document Number2025621734
Deed Book / Page3502 / 325
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWARREN NJ
Recording DateJun 8, 2026
Property Address540 RIVER RD, PHILLIPSBURG, NJ 08865-7516
Document Number0000637733
Book / Page7912 / 164
Instrument DateMay 22, 2026
Instrument2026637733
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 RIVER RD, PHILLIPSBURG, NJ 08865-7516
InvestorPossibly a Property Investor

Mortgage

Document Number0000637733,
DateJun 8, 2026
Book Page7912/164
Instrument2026637733
Lender
NameFIRST CMNWLT FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMay 30, 2046
Interest
Rate TypeFixed Rate
Rate6.23%
Initial TypeFixed Rate
Max Rate-1%

November 2022: Deed, Transfer

Document TypeDeed
JurisdictionWARREN NJ
Recording DateNov 2, 2022
Property Address540 RIVER RD, PHILLIPSBURG, NJ 08865-7516
Document Number0003307/79
Book / Page3307 / 79
Instrument DateOct 20, 2022
Instrument2022-584497
Transaction TypeTransfer
Record UpdatedNov 17, 2022
Title CompanyREPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$609.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address539 RIVER RD, 539, PHILLIPSBURG, NJ 08865-7517

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 RIVER RD, PHILLIPSBURG, NJ 08865-7516

Mortgage

Document Number2022584498
DateNov 2, 2022
Instrument2022-584498
Lender
NamePROSPERITY HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyWarren County
County SubdivisionPohatcong Township
Unified School DistrictPohatcong Township School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$157,600 (-) Land $57,200 Building $100,400$157,600 (-) Land $57,200 Building $100,400
2025$7,147.00 (+4.06%)$157,600 (-) Land $57,200 Building $100,400$157,600 (-) Land $57,200 Building $100,400
2024$6,868.00 (+5.11%)
2023$157,600 Land $57,200 Building $100,400$157,600 Land $57,200 Building $100,400
2022$6,534.00

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 17 policies
Nearby Flood Policies17 in force
Nearby Flood Claims106 (1979–2021)
Claims Outside the SFHA26 of 106
Most Recent ClaimSep 2021 · Remnants Of Hurricane Ida
Claims by Event
  • Severe Storms And Flooding, Jul 2006 · 78 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 RiskLow
lower than 93% of the US · lower than 81% of New Jersey
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 59 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Service Electric Cable TV
Cable		1,000 / 40
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Astound Broadband, Xfinity.

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