8 Spencer St, Stanhope, NJ 07874 Property Records

Sussex County and Stanhope Borough property record for 8 Spencer St, Stanhope, NJ 07874

Property Summary

Property Type	Single Family Home
Details	2,386 sqft · built 1995
Lot Size	0.635 acres (27,661 sqft)
Owner	2 Individual Names on File
Last Sale	$718,000 (May 2026)
Tax Bill	$16,105 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-10901-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`19-10901-0000-00016`
Alternative APNs	`1910901000000116` `191090100016`

Interior

Stories	2 Stories
Building Area	2,386 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	27,661 sqft (0.635 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1910901000000116
Street Address	8 SPENCER ST
City	STANHOPE
State	NJ
Zip	07874-2885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MLR
Legal Subdivision	SAGAMORE WOODS SEC 02
Legal Block	10901
Legal Lot Number	16
Jurisdiction	SUSSEX NJ
Township / Civil Division	STANHOPE
Census Block Group	2
Census Block	2000
Census Tract	374600

Owner

8 Spencer St is owned and occupied by two individuals who bought it in May 2026.

Source: Sussex County and Stanhope Borough records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8 SPENCER ST, STANHOPE, NJ 07874-2885
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
Apr 25, 2023	Deed of Trust, Mortgage VALLEY BANK
May 11, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	Dec 21, 1995 · Amount on File
Deed Document Number	20268667
Deed Book / Page	10454 / 74
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUSSEX NJ
Property Address	8 SPENCER ST, STANHOPE, NJ 07874-2885
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 SPENCER ST, STANHOPE, NJ 07874-2885
Investor	Possibly a Property Investor

Mortgage

Document Number	0102430230
Date	Apr 25, 2023
Book Page	10243/230
Instrument	2023007202

Lender

Name	VALLEY BANK
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SUSSEX NJ
Recording Date	May 11, 2026
Property Address	8 SPENCER ST, STANHOPE, NJ 07874-2885
Document Number	0000008667
Book / Page	10454 / 74
Instrument Date	Apr 19, 2026
Instrument	2026.8667
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	TITLE ONE AGENCY, TITLE BOND AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,518.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 SPENCER ST, STANHOPE, NJ 07874-2885

Mortgage

Document Number	0000008668,
Date	May 11, 2026
Book Page	10454/79
Instrument	2026.8668

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 8 Spencer St was $16,105, up 3.2% from the year before.

Source: Sussex County and Stanhope Borough assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Sussex County
Municipality	Stanhope Borough
Secondary School District	Lenape Valley Regional School District (09 - 12)
Elementary School District	Stanhope Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$668,100 (+93.32%) Land $221,700 Building $446,400	$668,100 (+93.32%) Land $221,700 Building $446,400
2025	$16,105.00 (+3.24%)	$345,600 Land $131,400 Building $214,200	$345,600 Land $131,400 Building $214,200
2024	$15,600.00
2023		$345,600 Land $131,400 Building $214,200	$345,600 Land $131,400 Building $214,200
2022	$14,943.00

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 8 Spencer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2014 · 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

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

Wildfire risk around 8 Spencer 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	STANHOPE W DEPT serves 3,730 people · EPA ID NJ1919001
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	10,000 / 10,000
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

Nearby Properties on Spencer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures