Passaic County and Wayne Township property record for 197 Ratzer Rd, Wayne, NJ 07470 · Last verified July 2026
| Property Type | Other > Exempt (Full or Partial) |
|---|---|
| Architecture Style | Cape Cod |
| Year Built | Built 1947 |
| Square Footage | 1,876 sqft Living Area |
| Lot Size | 1.35 acres |
| Last Sale | $900,000 (2025) |
| Tax Bill | $13,903.00 (2025) |
| Primary APN | 14-02406-0000-00062 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,876 sqft Living Area |
|---|
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Cape Cod Style |
| Lot Area | 59,111 sqft |
| Old Parcel Number | 1400593000000002A |
|---|---|
| Street Address | 197 RATZER RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-5440 |
| Property Usage | Other Property Usage |
| Type | Other > Exempt (Full or Partial) |
| Legal Subdivision | OFFICIAL TAX MAP/THE TOWNSHIP/ |
| Legal Block | 2406 |
| Legal Lot Number | 62 |
| Jurisdiction | PASSAIC NJ |
| Minor Civil Division | WAYNE |
| Census Blockgroup | 3 |
| Census Block | 3028 |
| Census Tract | 246201 |
Source: Passaic County and Wayne Township records · APN 14-02406-0000-00062
Assessment roll updated July 8, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 197 RATZER RD, WAYNE, NJ 07470-5440 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 29, 2024 | Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC |
| Oct 20, 2025 | Deed, Transfer · Veterans Administration Mortgage CMG MORTGAGE INC |
| Oct 14, 2021 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 20, 2025 · Amount on Record |
| Deed Sale | Oct 20, 2025 · Amount on Record |
| Prior Sale | Oct 14, 2021 · Amount on Record |
| Deed Doc Number | 202535334 |
| Deed Book / Page | 4986 / 176 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 197 RATZER RD, WAYNE, NJ 07470-5440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000026940 |
|---|---|
| Date | Aug 29, 2024 |
| Book Page | M19031/226 |
| Instrument | 2024026940 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 13, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Oct 20, 2025 |
| Property Address | 197 RATZER RD, WAYNE, NJ 07470-5440 |
| Document Number | 0000035334 |
| Book / Page | D4986 / 176 |
| Instrument Date | Oct 03, 2025 |
| Instrument | 2025035334 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 804 OWL CREEK DR, MURPHY, TX 75094-3882 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 197 RATZER RD, WAYNE, NJ 07470-5440 |
| Document Number | 0000035335 |
|---|---|
| Date | Oct 20, 2025 |
| Instrument | 2025035335 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Oct 14, 2021 |
| Property Address | 197 RATZER RD, WAYNE, NJ 07470-5440 |
| Document Number | 0000064820 |
| Book / Page | D4153 / 26 |
| Instrument Date | Oct 07, 2021 |
| Instrument | 2021064820 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ELITE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,682.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 70A HAZEN CT, 70A, WAYNE, NJ 07470-3212 |
| Name | Verified Name |
|---|---|
| Address | 197 RATZER RD, WAYNE, NJ 07470-5440 |
| Document Number | 0000064821 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 2021064821 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
Source: Passaic County and Wayne Township records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| County Subdivision | Wayne Township |
| Unified School District | Wayne Township School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $231,800 (-) Land $133,100 Building $98,700 | $231,800 (-) Land $133,100 Building $98,700 | |
| 2025 | $13,903.00 (+0.88%) | $231,800 (-) Land $133,100 Building $98,700 | $231,800 (-) Land $133,100 Building $98,700 |
| 2024 | $13,782.00 (+5.17%) | ||
| 2023 | $231,800 Land $133,100 Building $98,700 | $231,800 Land $133,100 Building $98,700 | |
| 2022 | $13,105.00 |
197 Ratzer Rd is in FEMA Zone A, inside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Passaic County (34031C), updated May 29, 2024
| FEMA Flood Zone | Zone A 1% annual chance, no base flood elevation determined |
|---|---|
| Special Flood Hazard Area | Yes flood insurance required for federally backed mortgages |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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