632 E Central Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Alpha Borough property record for 632 E Central Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,271 sqft · built 1889
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Jan 2021)
Tax Bill	$6,008 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-00080-01-00005`

Property Details

APN / Parcel Number

Primary APN	`02-00080-01-00005`
Alternative APN	`0200080000000005`

Interior

Stories	2 Stories
Building Area	1,271 sqft Living Area

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Exterior Material	Stucco
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	125 ft deep x 125 ft wide

Location & Zoning

Old Parcel Number	0200080000000005
Street Address	632 E CENTRAL AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-4747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Subdivision	BOROUGH/ALPHA
Legal Block	80.1
Legal Lot Number	5
Jurisdiction	WARREN NJ
Township / Civil Division	ALPHA
Census Block Group	1
Census Block	1009
Census Tract	32400

Owner

Source: Warren County and Alpha Borough 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	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 14, 2021	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jan 22, 2021	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 3, 2020	Grant Deed, Construction Loan · Construction Mortgage ECF FUND I LLC
Jan 31, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	2021544687
Deed Book / Page	3129 / 208
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747

Mortgage

Document Number	007248/227
Date	Dec 10, 2021
Book Page	7248/227
Instrument	2021-567137

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747
Document Number	0000544688
Instrument Date	Jan 14, 2021
Transaction Type	Mortgage
Record Updated	May 25, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 E CENTRAL AVE PHILLIPSBURG NJ 088654747, PHILLIPSBURG, NJ 08865-4747

Mortgage

Document Number	0000544688
Date	Jan 22, 2021
Book Page	007021/000075
Instrument	544688

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Jan 22, 2021
Property Address	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747
Document Number	0000544687
Book / Page	003129 / 000208
Instrument Date	Jan 12, 2021
Instrument	544687
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 E CENTRAL AVE ALPHA NJ 088654747, ALPHA, NJ 08865-4747

Mortgage

Document Number	544688
Date	Jan 22, 2021
Book Page	007021/000075
Instrument	544688

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2051

August 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Aug 3, 2020
Property Address	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747
Document Number	0000532864
Book / Page	003077 / 000336
Instrument Date	Aug 3, 2020
Instrument	532864
Transaction Type	Construction Loan
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 STRYKERS ROAD 19-234 PHILLIPSBURG NJ 08865, PHILLIPSBURG, NJ 08865

Mortgage

Document Number	532865
Date	Aug 3, 2020
Book Page	006904/000001
Instrument	532865

Lender

Name	ECF FUND I LLC
Address	PO BOX 2026, FLINT, MI 48501-2026

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	WARREN NJ
Recording Date	Jan 31, 2020
Property Address	632 E CENTRAL AVE, PHILLIPSBURG, NJ 08865-4747
Document Number	0000523612
Book / Page	003034 / 000154
Instrument Date	Dec 27, 2019
Instrument	523612
Transaction Type	Foreclosure
Record Updated	Feb 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

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		$172,400 (-) Land $72,600 Building $99,800	$172,400 (-) Land $72,600 Building $99,800
2025	$6,008.00 (-4.36%)	$172,400 (-) Land $72,600 Building $99,800	$172,400 (-) Land $72,600 Building $99,800
2024	$6,282.00 (+7.75%)
2023		$172,400 (-) Land $72,600 Building $99,800	$172,400 (-) Land $72,600 Building $99,800
2022	$5,830.00 (+1.83%)	$172,400 Land $72,600 Building $99,800	$172,400 Land $72,600 Building $99,800
2021	$5,725.00

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 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 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	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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Service Electric Cable TV.

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