550 Elder Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 550 Elder Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,226 sqft · built 1976
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Tax Bill	$8,845 (2025)
Deeds & Mortgages	Nov 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-00612-0000-00011`

Property Details

APN / Parcel Number

Primary APN	`19-00612-0000-00011`
Alternative APNs	`190061200011` `06002260` `773`

Interior

Stories	1 Story
Building Area	1,226 sqft Living Area
1st Floor Area	1,226 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Brick
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Account Number	773
Street Address	550 ELDER AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	TOWN/PHILLIPSBURG
Legal Block	612
Legal Lot Number	11
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	3
Census Block	3072
Census Tract	30600

Owner

Source: Warren County and Phillipsburg Town 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	Individual Name on Record
Mailing Address	550 ELDER AVE, PHILLIPSBURG, NJ 08865-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH FCU
May 4, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 1997
Deed Sale	Oct 31, 1997
Prior Sale	Dec 27, 1993 · Amount on Record
Deed Document Number	199783861
Deed Book / Page	1540 / 98
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	550 ELDER AVE, PHILLIPSBURG, NJ 08865-1508
Transaction Type	Mortgage
Record Updated	Nov 23, 2022
Title Company	OLD REPUBLIC TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007410/276
Date	Nov 4, 2022
Book Page	7410/276
Instrument	2022-584666

Lender

Name	FIRST COMMONWEALTH FCU
Type	Credit Union
Address	ALLENTOWN, PA 18106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	550 ELDER AVE, PHILLIPSBURG, NJ 08865-1508
Document Number	0000528312
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 ELDER AVE PHILLIPSBURG NJ 088651508, PHILLIPSBURG, NJ 08865-1508

Mortgage

Document Number	0000528312
Date	May 11, 2020
Book Page	006860/000333
Instrument	528312

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	828 Months
Due	May 10, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.94%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	550 ELDER AVE, PHILLIPSBURG, NJ 08865-1508
Document Number	0000528311
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 ELDER AVE PHILLIPSBURG NJ 088651508, PHILLIPSBURG, NJ 08865-1508

Mortgage

Document Number	0000528311
Date	May 11, 2020
Book Page	006860/000319
Instrument	528311

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	828 Months
Due	May 10, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.94%

Tax Assessment & Valuation

Source: Warren County and Phillipsburg Town assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Warren County
Municipality	Phillipsburg Town
Unified School District	Phillipsburg Town School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,200 (-) Land $43,000 Building $146,200	$189,200 (-) Land $43,000 Building $146,200
2025	$8,845.00 (+9.21%) Senior Citizen's exemption Widower's exemption	$189,200 (-) Land $43,000 Building $146,200	$189,200 (-) Land $43,000 Building $146,200
2024	$8,099.00 (+10.22%)
2023		$189,200 Land $43,000 Building $146,200	$189,200 Land $43,000 Building $146,200
2022	$7,348.00

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 Policies	3 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jan 1996 · river or lake 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

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.

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 487 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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