12 Elmwood Ter, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 12 Elmwood Ter, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	1,016 sqft · built 1935
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$453,000 (Mar 2023)
Tax Bill	$8,379 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-01325-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`14-01325-0000-00009`
Alternative APNs	`1400500000000009` `140132500009`

Interior

Building Area	1,016 sqft Living Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Bungalow
Lot Area	6,229 sqft (0.143 acres)

Location & Zoning

Old Parcel Number	1400500000000009
Street Address	12 ELMWOOD TER
City	WAYNE
State	NJ
Zip	07470-4302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CEDARCLIFFE
Legal Block	1325
Legal Lot Number	9
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2014
Census Tract	246202

Owner

Source: Passaic County and Wayne Township records, as of July 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 ELMWOOD TER, WAYNE, NJ 07470-4302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
May 2, 2017	Grant Deed, Transfer · Conventional Mortgage MORTGAGE UNLIMITED

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	May 2, 2017 · Amount on Record
Deed Document Number	20237771
Deed Book / Page	4488 / 48
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Mar 7, 2023
Property Address	12 ELMWOOD TER, WAYNE, NJ 07470-4302
Document Number	0000007771
Book / Page	D4488 / 48
Instrument Date	Jan 23, 2023
Instrument	2023007771
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$453.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11337 SW 74TH TER, MIAMI, FL 33173-2601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ELMWOOD TER, WAYNE, NJ 07470-4302

Mortgage

Document Number	0000007772
Date	Mar 7, 2023
Instrument	2023007772

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	12 ELMWOOD TER, WAYNE, NJ 07470-4302
Document Number	0000052408
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	QUICK CLOSE SERVICES INC, QUICK CLOSE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 ELMWOOD TER WAYNE NJ 074704302, WAYNE, NJ 07470-4302

Mortgage

Document Number	0000052408
Date	Nov 16, 2018
Book Page	015292/000128
Instrument	52408

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	May 2, 2017
Property Address	12 ELMWOOD TER, WAYNE, NJ 07470-4302
Document Number	0000021879
Book / Page	003045 / 000140
Instrument Date	Apr 27, 2017
Instrument	21879
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	COLLEGIATE TITLE AND ABSTRACT AGENCY, COLLEGIATE TITLE & ABSTR AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 MANCHESTER CT WAYNE NJ 074703304, WAYNE, NJ 07470-3304

Mortgage

Document Number	21880
Date	May 2, 2017
Book Page	014464/000102
Instrument	21880

Lender

Name	MORTGAGE UNLIMITED
Type	Mortgage Company
Address	GARFIELD, NJ 07026

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Passaic County and Wayne Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
County Subdivision	Wayne Township
Unified School District	Wayne Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$139,700 (-) Land $96,400 Building $43,300	$139,700 (-) Land $96,400 Building $43,300
2025	$8,379.00 (+0.88%)	$139,700 (-) Land $96,400 Building $43,300	$139,700 (-) Land $96,400 Building $43,300
2024	$8,306.00 (+5.17%)
2023		$139,700 Land $96,400 Building $43,300	$139,700 Land $96,400 Building $43,300
2022	$7,898.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 29, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	15 (1980–2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Severe Storms And Flooding, Mar 2010 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 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	TOWNSHIP OF WAYNE serves 55,000 people · EPA ID NJ1614001
Water Source	Purchased surface water from N.J.D.W.S.C. - WANAQUE NORTH
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: T-Mobile.

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