91 Summit Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 91 Summit Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,512 sqft · built 1900
Lot Size	0.074 acres (3,223 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Nov 2022)
Tax Bill	$4,600 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-00809-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`19-00809-0000-00010`
Alternative APNs	`190080900010` `03006380` `1027`

Interior

Stories	2 Stories
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	3,223 sqft (0.074 acres)
Lot Dimensions	130 ft deep x 25 ft wide

Location & Zoning

Account Number	1027
Street Address	91 SUMMIT AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-2455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	PHILLIPSBURG TOWNSHIP
Legal Block	809
Legal Lot Number	10
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	1
Census Block	1010
Census Tract	30700

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

91 Summit Ave is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	91 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2455
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 1, 2022	Deed, Transfer · FHA Mortgage BANK OF AMERICA NA
Jan 20, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
May 9, 2019	Loan Modification, Mortgage · FHA Mortgage HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on File
Deed Sale	Nov 1, 2022 · Amount on File
Prior Sale	Aug 2, 2010 · Amount on File
Deed Document Number	2022584456
Deed Book / Page	3307 / 12
Prior Transfer Date	Dec 30, 1997
Prior Transfer Doc	0000085911
Record Updated	Oct 29, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Nov 1, 2022
Property Address	91 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2455
Document Number	0003307/12
Book / Page	3307 / 12
Instrument Date	Sep 30, 2022
Instrument	2022-584456
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$696.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1380 ORANGE AVE, 1380, UNION, NJ 07083-5261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2455

Mortgage

Document Number	2022584457
Date	Nov 1, 2022
Instrument	2022-584457

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	91 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2455
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2455

Mortgage

Document Number	0007272/26
Date	Jan 20, 2022
Book Page	7272/26
Instrument	2022-569428

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jun 1, 2049

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WARREN NJ
Property Address	91 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2455
Document Number	0000513708
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SUMMIT AVE PHILLIPSBURG NJ 088652455, PHILLIPSBURG, NJ 08865-2455

Mortgage

Document Number	0000513708
Date	Jul 29, 2019
Book Page	006733/000281
Instrument	513708

Lender

Name	HOUSING FIN AGCY
Address	637 S CLINTON AVE, TRENTON, NJ 08611-1811

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 91 Summit Ave was $4,600, 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		$98,400 (-) Land $23,600 Building $74,800	$98,400 (-) Land $23,600 Building $74,800
2025	$4,600.00 (+2.86%)	$98,400 Land $23,600 Building $74,800	$98,400 Land $23,600 Building $74,800
2024	$4,472.00
2023		$98,400 Land $23,600 Building $74,800	$98,400 Land $23,600 Building $74,800
2022	$3,766.00

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 91 Summit Ave in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2004.

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	2 in force
Nearby Flood Claims	11 (2004–2006)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Jun 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2006 · 11 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

Wildfire risk around 91 Summit Ave 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.

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 741 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

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

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