631 E Central Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Alpha Borough property record for 631 E Central Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	683 sqft · built 2008
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual on Record
Last Sale	$300,000 (Oct 2021)
Tax Bill	$7,834 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00086-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`02-00086-0000-00007`
Alternative APN	`020008600007`

Interior

Stories	1 Story
Building Area	683 sqft Living Area
1st Floor Area	683 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Location & Zoning

Street Address	631 E CENTRAL AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-4746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Subdivision	BOROUGH/ALPHA
Legal Block	86
Legal Lot Number	7
Jurisdiction	WARREN NJ
Township / Civil Division	ALPHA
Census Block Group	1
Census Block	1005
Census Tract	32400

Owner

Source: Warren County and Alpha Borough assessment roll, 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 on Record
Mailing Address	631 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 15, 2021	Deed, Transfer · FHA Mortgage UNITED MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Sep 24, 2007 · Amount on Record
Deed Document Number	2021563386
Deed Book / Page	3205 / 65
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	631 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4746
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 E CENTRAL AVE, ALPHA, NJ 08865-4746

Mortgage

Document Number	007833/279
Date	Dec 12, 2025
Book Page	7833/279
Instrument	2025-630322

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Oct 15, 2021
Property Address	631 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4746
Document Number	3205/65
Book / Page	3205 / 65
Instrument Date	Sep 30, 2021
Instrument	2021-563386
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	MAX TITLE AGENCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 ANDERSEN RD, 187, MILFORD, NJ 08848-1643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 E CENTRAL AVE, ALPHA, NJ 08865-4746

Mortgage

Document Number	2021563387
Date	Oct 15, 2021
Instrument	2021-563387

Lender

Name	UNITED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Warren County and Alpha Borough assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$224,800 (-) Land $62,500 Building $162,300	$224,800 (-) Land $62,500 Building $162,300
2025	$7,834.00 (-4.36%)	$224,800 (-) Land $62,500 Building $162,300	$224,800 (-) Land $62,500 Building $162,300
2024	$8,191.00 (+74.02%)
2023		$224,800 Land $62,500 Building $162,300	$224,800 Land $62,500 Building $162,300
2022	$4,707.00

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	1 in force
Nearby Flood Claims	19 (1979–2011)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 6 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 Risk	Low lower than 95% of the US · lower than 87% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ALPHA MUNICIPAL WATER WORKS serves 2,530 people · EPA ID NJ2102001
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	12 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Service Electric Cable TV, Verizon.

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