12 Louisa Ct, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 12 Louisa Ct, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	1,626 sqft · built 1987
Lot Size	0.411 acres (17,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jun 2022)
Tax Bill	$16,189 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-01202-0000-00045`

Property Details

APN / Parcel Number

Primary APN	`14-01202-0000-00045`
Alternative APNs	`1400188G00017A` `140120200045`

Interior

Building Area	1,626 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Lot Area	17,903 sqft (0.411 acres)

Location & Zoning

Old Parcel Number	1400188G00017A
Street Address	12 LOUISA CT
City	WAYNE
State	NJ
Zip	07470-2875
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1202
Legal Lot Number	45
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1007
Census Tract	246104

Owner

Source: Passaic County and Wayne Township records, as of July 8, 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	12 LOUISA CT, WAYNE, NJ 07470-2875
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2022 · Amount on Record
Deed Sale	Jun 20, 2022 · Amount on Record
Prior Sale	Mar 9, 2009 · Amount on Record
Deed Document Number	202231831
Deed Book / Page	4333 / 165
Record Updated	Oct 29, 2026

June 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jun 20, 2022
Property Address	12 LOUISA CT, WAYNE, NJ 07470-2875
Document Number	0000031831
Book / Page	D4333 / 165
Instrument Date	Jun 13, 2022
Instrument	2022031831
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 LOUISA CT, 12, WAYNE, NJ 07470-2875

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LOUISA CT, WAYNE, NJ 07470-2875

Mortgage

Document Number	0000031832
Date	Jun 20, 2022
Instrument	2022031832

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.85%
Type Change Date	Jul 1, 2027
Change Frequency	6 Months
Min Rate At Change	6.85%
Max Rate At Change	8.85%
Index	Other
Max Rate	11.8%

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		$269,900 (-) Land $139,300 Building $130,600	$269,900 (-) Land $139,300 Building $130,600
2025	$16,189.00 (+0.88%)	$269,900 (-) Land $139,300 Building $130,600	$269,900 (-) Land $139,300 Building $130,600
2024	$16,048.00 (+5.16%)
2023		$269,900 Land $139,300 Building $130,600	$269,900 Land $139,300 Building $130,600
2022	$15,260.00

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	1 in force
Nearby Flood Claims	8 (1982–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 2 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	Not rated no burnable land within 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20