13 Elmwood Ter, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 13 Elmwood Ter, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	1,657 sqft · built 1951
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$867,000 (Jul 2026)
Tax Bill	$12,476 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-01324-0000-00004`

Property Details

APN / Parcel Number

Primary APN	`14-01324-0000-00004`
Alternative APNs	`1400499000000004` `140132400004`

Interior

Building Area	1,657 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Lot Area	9,365 sqft (0.215 acres)

Location & Zoning

Old Parcel Number	1400499000000004
Street Address	13 ELMWOOD TER
City	WAYNE
State	NJ
Zip	07470-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	INCL BLK X LOT 8 1/2 OF LOT 9
Legal Subdivision	ALPS SEC/PACKANACK LAKE
Legal Block	1324
Legal Lot Number	4
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2011
Census Tract	246202

Owner

Source: Passaic County and Wayne Township records, as of August 13, 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	13 ELMWOOD TER, WAYNE, NJ 07470-4301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 6, 2017	Grant Deed, Transfer · Conventional Mortgage COLDWELL BANKER HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Prior Sale	Apr 6, 2017 · Amount on Record
Deed Document Number	202624420
Deed Book / Page	5128 / 177
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jul 15, 2026
Property Address	13 ELMWOOD TER, WAYNE, NJ 07470-4301
Document Number	0000024420
Book / Page	5128 / 177
Instrument Date	Jul 9, 2026
Instrument	202624420
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	AMERICAN LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,567.00
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	13 ELMWOOD TER, WAYNE, NJ 07470-4301
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024421,
Date	Jul 15, 2026
Book Page	20037/133
Instrument	202624421

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	13 ELMWOOD TER, WAYNE, NJ 07470-4301
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050366
Date	Aug 5, 2021
Book Page	M17337/116
Instrument	2021050366

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	13 ELMWOOD TER, WAYNE, NJ 07470-4301
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	MAIN STREET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021509
Date	May 15, 2020
Book Page	M16154/1
Instrument	2020021509

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Apr 6, 2017
Property Address	13 ELMWOOD TER, WAYNE, NJ 07470-4301
Document Number	0000017551
Book / Page	003029 / 000039
Instrument Date	Mar 31, 2017
Instrument	17551
Transaction Type	Transfer
Record Updated	Apr 20, 2017
Title Company	BERKSHIRE ABSTRACT AND TITLE AGENCY, BERKSHIRE ABST & TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13 ELMWOOD TER WAYNE NJ 074704301, WAYNE, NJ 07470-4301

Mortgage

Document Number	17552
Date	Apr 6, 2017
Book Page	014430/000205
Instrument	17552

Lender

Name	COLDWELL BANKER HM LNS
Type	Funding / Finance Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 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		$208,000 (-) Land $101,800 Building $106,200	$208,000 (-) Land $101,800 Building $106,200
2025	$12,476.00 (+0.87%)	$208,000 (-) Land $101,800 Building $106,200	$208,000 (-) Land $101,800 Building $106,200
2024	$12,368.00 (+5.17%)
2023		$208,000 Land $101,800 Building $106,200	$208,000 Land $101,800 Building $106,200
2022	$11,760.00

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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