Warren County and Phillipsburg Town property record for 7 River St, Phillipsburg, NJ 08865
| Property Type | Single Family Home |
|---|---|
| Details | 1,719 sqft · built 1915 |
| Lot Size | 0.028 acres (1,220 sqft) |
| Owner | Company Name on File |
| Last Sale | $130,000 (Jan 2024) |
| Tax Bill | $2,202 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-01503-0000-00018 |
| Primary APN | 19-01503-0000-00018 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,719 sqft Living Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Construction Type | Frame |
| Lot Area | 1,220 sqft (0.028 acres) |
| Lot Dimensions | 34 ft deep x 37 ft wide |
| Account Number | 3307 |
|---|---|
| Street Address | 7 RIVER ST |
| City | PHILLIPSBURG |
| State | NJ |
| Zip | 08865-3012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-4 |
| Legal Block | 1503 |
| Legal Lot Number | 18 |
| Jurisdiction | WARREN NJ |
| Township / Civil Division | PHILLIPSBURG |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 30900 |
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.
7 River St is owned by a company that bought it in January 2024.
Source: Warren County and Phillipsburg Town records, as of July 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 145, STEWARTSVILLE, NJ 08886-0145 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 8, 2024 | Deed, Transfer · Commercial Mortgage HOWARD SPENCER |
| Apr 7, 2021 | Deed of Trust, Mortgage · Commercial Mortgage US EAGLE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2024 · Amount on File |
| Deed Sale | Jan 8, 2024 · Amount on File |
| Prior Sale | Jan 4, 2016 · Amount on File |
| Deed Document Number | 2024601490 |
| Deed Book / Page | 3399 / 134 |
| Prior Transfer Date | Mar 7, 2014 |
| Prior Transfer Doc | 2543/153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN NJ |
| Recording Date | Jan 8, 2024 |
| Property Address | 7 RIVER ST, PHILLIPSBURG, NJ 08865-3012 |
| Document Number | 003399/134 |
| Book / Page | 3399 / 134 |
| Instrument Date | Dec 27, 2023 |
| Instrument | 2024-601490 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Title Company | CORTES AND HAY TITLE AGENCY INC, CORTES & HAY TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 DERVIN LN, GLEN GARDNER, NJ 08826-3813 |
| Name | Verified Name |
|---|---|
| Address | 103 CANAL XING, STEWARTSVILLE, NJ 08886-2006 |
| Document Number | 2024601491 |
|---|---|
| Date | Jan 8, 2024 |
| Instrument | 2024-601491 |
| Name | HOWARD SPENCER |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Dec 31, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN NJ |
| Property Address | 7 RIVER ST, PHILLIPSBURG, NJ 08865-3012 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 404 DERVIN LANE, BETHLEHEM, NJ |
| Document Number | 7072/208 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 7072/208 |
| Instrument | 2021-549974 |
| Name | US EAGLE FCU |
|---|---|
| Type | Credit Union |
| Address | ALBUQUERQUE, NM 87109 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 7 River St was $2,202, up 2.8% from the year before.
Source: Warren County and Phillipsburg Town assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Warren County |
| Municipality | Phillipsburg Town |
| Unified School District | Phillipsburg Town School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $47,100 (-) Land $13,100 Building $34,000 | $47,100 (-) Land $13,100 Building $34,000 | |
| 2025 | $2,202.00 (+2.85%) | $47,100 Land $13,100 Building $34,000 | $47,100 Land $13,100 Building $34,000 |
| 2024 | $2,141.00 | ||
| 2023 | $47,100 (-) Land $13,100 Building $34,000 | $47,100 (-) Land $13,100 Building $34,000 | |
| 2022 | $1,953.00 (+1.82%) | $47,100 Land $13,100 Building $34,000 | $47,100 Land $13,100 Building $34,000 |
| 2021 | $1,918.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 7 River 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 risk around 7 River 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 238 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, Verizon, Xfinity.
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