645 S Main St, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 645 S Main St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	2,290 sqft · built 1900
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2023)
Tax Bill	$6,176 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-01903-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`19-01903-0000-00023`
Alternative APNs	`190190300023` `04002180` `3693`

Interior

Stories	2 Stories
Building Area	2,290 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	3,267 sqft (0.075 acres)
Lot Dimensions	150 ft deep x 22 ft wide

Location & Zoning

Account Number	3693
Street Address	645 S MAIN ST
City	PHILLIPSBURG
State	NJ
Zip	08865-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	TOWN/PHILLIPSBURG
Legal Block	1903
Legal Lot Number	23
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	2
Census Block	2021
Census Tract	30900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Morris Canal listed 1974 · 9 contributing resources · NRIS 74002228

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

645 S Main St is owned and occupied by an individual who bought it in November 2023.

Source: Warren County and Phillipsburg Town records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Nov 17, 2023	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMRES CORPORATION
Feb 1, 2022	Deed, Transfer · Conventional Mortgage AMRES CORPORATION
Apr 6, 2020	Grant Deed, Transfer · Conventional Mortgage CHRISTINE & ROBERT MILLER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	Feb 1, 2022 · Amount on File
Deed Document Number	2023599680
Deed Book / Page	3388 / 128
Prior Transfer Date	Jul 21, 1998
Prior Transfer Doc	0000092314
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007538/40
Date	Nov 17, 2023
Book Page	7538/40
Instrument	2023-599682

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 31, 2028

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Nov 17, 2023
Property Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Document Number	003388/128
Book / Page	3388 / 128
Instrument Date	Oct 30, 2023
Instrument	2023-599680
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	NORTH EAST TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 SOMERSET ST, ALPHA, NJ 08865-4565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117

Mortgage

Document Number	0007538/25
Date	Nov 17, 2023
Book Page	7538/25
Instrument	2023-599681

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	PRESTIGE TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007278/316
Date	Jun 9, 2022
Book Page	7278/316
Instrument	2022-577200

Lender

Name	AMRES CORPORATION
Type	Mortgage Company
Address	FEASTERVILLE TREVOSE, PA 19053

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Feb 1, 2052

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Feb 1, 2022
Property Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Document Number	0003236/81
Book / Page	3236 / 81
Instrument Date	Dec 13, 2021
Instrument	2022-570062
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	PRESTIGE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 DORAL CT, 28, NEW CITY, NY 10956-5536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117

Mortgage

Document Number	007278/316
Date	Feb 1, 2022
Book Page	7278/316
Instrument	2022-570063

Lender

Name	AMRES CORPORATION
Type	Mortgage Company
Address	LIONVILLE, PA 19353

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WARREN NJ
Recording Date	Apr 6, 2020
Property Address	645 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Document Number	0000526826
Book / Page	003050 / 000076
Instrument Date	Mar 22, 2020
Instrument	526826
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 N MAIN ST #303 NEW CITY NY 109563743, 303, NEW CITY, NY 10956-3743

Mortgage

Document Number	526827
Date	Apr 6, 2020
Book Page	006847/000105
Instrument	526827

Lender

Name	CHRISTINE & ROBERT MILLER
Address	237 HANCOCK AVE, BRIDGEWATER, NJ 08807-2656
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 645 S Main St was $6,176, up 2.9% from the year before.

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		$132,100 (-) Land $12,000 Building $120,100	$132,100 (-) Land $12,000 Building $120,100
2025	$6,176.00 (+2.88%)	$132,100 Land $12,000 Building $120,100	$132,100 Land $12,000 Building $120,100
2024	$6,003.00
2023		$132,100 (+7.66%) Land $12,000 Building $120,100	$132,100 (+7.66%) Land $12,000 Building $120,100
2022	$5,089.00 (+1.84%)	$122,700 Land $12,000 Building $110,700	$122,700 Land $12,000 Building $110,700
2021	$4,997.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 645 S Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 645 S Main St is low, with a 0.01% annual chance of 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	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	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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Service Electric Cable TV Cable	1,000 / 40
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Verizon.

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