647 S Main St, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 647 S Main St, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,542 sqft · built 1900
Lot Size	0.044 acres (1,917 sqft)
Owner	2 Individual Names on File
Last Sale	$206,000 (Mar 2023)
Tax Bill	$2,950 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-01903-0000-00033`

Property Details

APN / Parcel Number

Primary APN	`19-01903-0000-00033`
Alternative APNs	`190190300033` `04002190` `3703`

Interior

Stories	2 Stories
Building Area	1,542 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	1,917 sqft (0.044 acres)
Lot Dimensions	84 ft deep x 23 ft wide

Location & Zoning

Account Number	3703
Street Address	647 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	33
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

647 S Main St is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	647 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
Mar 24, 2023	Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
May 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on File
Deed Sale	Mar 24, 2023 · Amount on File
Prior Sale	Dec 10, 2012 · Amount on File
Deed Document Number	2023589850
Deed Book / Page	3336 / 21
Prior Transfer Date	Mar 18, 2020
Prior Transfer Doc	0000528764
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Mar 24, 2023
Property Address	647 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Document Number	0003336/21
Book / Page	3336 / 21
Instrument Date	Feb 10, 2023
Instrument	2023-589850
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	FIRST UNITED LAND TRANSFER INC, FIRST UNITED LAND TRANSFER I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 E WASHINGTON AVE, WASHINGTON, NJ 07882-1849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 S MAIN ST, PHILLIPSBURG, NJ 08865-3117

Mortgage

Document Number	2023589851
Date	Mar 24, 2023
Instrument	2023-589851

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

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

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WARREN NJ
Recording Date	May 18, 2020
Property Address	647 S MAIN ST, PHILLIPSBURG, NJ 08865-3117
Document Number	0000528764
Book / Page	003058 / 000266
Instrument Date	Mar 18, 2020
Instrument	528764
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	178 E WASHINGTON AVE WASHINGTON NJ 078821849, WASHINGTON, NJ 07882-1849

Tax Assessment & Valuation

The 2025 property tax bill for 647 S Main St was $2,950, 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		$63,100 (-) Land $10,800 Building $52,300	$63,100 (-) Land $10,800 Building $52,300
2025	$2,950.00 (+2.9%)	$63,100 Land $10,800 Building $52,300	$63,100 Land $10,800 Building $52,300
2024	$2,867.00
2023		$63,100 (-) Land $10,800 Building $52,300	$63,100 (-) Land $10,800 Building $52,300
2022	$2,617.00 (+1.83%)	$63,100 Land $10,800 Building $52,300	$63,100 Land $10,800 Building $52,300
2021	$2,570.00

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 647 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 647 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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