98 Summit Ave, Phillipsburg, NJ 08865 Property Records

Warren County and Phillipsburg Town property record for 98 Summit Ave, Phillipsburg, NJ 08865

Property Summary

Property Type	Single Family Home
Details	1,622 sqft · built 1920
Lot Size	0.057 acres (2,483 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Oct 2021)
Tax Bill	$5,231 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-00810-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`19-00810-0000-00026`
Alternative APNs	`190081000026` `03005740` `1071`

Interior

Stories	2 Stories
Building Area	1,622 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,483 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	1071
Street Address	98 SUMMIT AVE
City	PHILLIPSBURG
State	NJ
Zip	08865-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-50
Legal Subdivision	TOWN/PHILLIPSBURG
Legal Block	810
Legal Lot Number	26
Jurisdiction	WARREN NJ
Township / Civil Division	PHILLIPSBURG
Census Block Group	2
Census Block	2005
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	201 STRYKERS RD, 236, PHILLIPSBURG, NJ 08865-5400
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 1, 2021	Deed, Transfer · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2021 · Amount on Record
Deed Sale	Oct 1, 2021 · Amount on Record
Prior Sale	Jul 30, 2010 · Amount on Record
Deed Document Number	2021562420
Deed Book / Page	3200 / 318
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN NJ
Property Address	98 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2453
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007850/259
Date	Jan 21, 2026
Book Page	7850/259
Instrument	2026-631951

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 6, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN NJ
Recording Date	Oct 1, 2021
Property Address	98 SUMMIT AVE, PHILLIPSBURG, NJ 08865-2453
Document Number	003200/318
Book / Page	3200 / 318
Instrument Date	Aug 20, 2021
Instrument	2021-562420
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	160 LOWER OAK GROVE RD, 160, FRENCHTOWN, NJ 08825-4207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 SEMEL AVE, GARFIELD, NJ 07026-2168

Mortgage

Document Number	2021562421
Date	Oct 1, 2021
Instrument	2021-562421

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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		$111,900 (-) Land $23,300 Building $88,600	$111,900 (-) Land $23,300 Building $88,600
2025	$5,231.00 (+2.87%)	$111,900 (-) Land $23,300 Building $88,600	$111,900 (-) Land $23,300 Building $88,600
2024	$5,085.00 (+9.57%)
2023		$111,900 Land $23,300 Building $88,600	$111,900 Land $23,300 Building $88,600
2022	$4,641.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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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