20 Sturbridge Cir, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 20 Sturbridge Cir, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	2,970 sqft · built 1986
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (Aug 2019)
Tax Bill	$21,737 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-04105-0000-00189`

Property Details

APN / Parcel Number

Primary APN	`14-04105-0000-00189`
Alternative APNs	`1400605C00025` `140410500189`

Interior

Building Area	2,970 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Lot Area	35,284 sqft (0.81 acres)

Location & Zoning

Old Parcel Number	1400605C00025
Street Address	20 STURBRIDGE CIR
City	WAYNE
State	NJ
Zip	07470-8401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Subdivision	WATERVIEW ESTATES
Legal Block	4105
Legal Lot Number	189
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2005
Census Tract	246001

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	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Line of Credit ANDREWS FEDERAL CREDIT UNION
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit LOWER
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Aug 6, 2019	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	Aug 13, 2013 · Amount on Record
Deed Document Number	201933842
Deed Book / Page	3628 / 277
Prior Transfer Date	Sep 1, 2012
Prior Transfer Doc	0000001797
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Recording Date	Apr 15, 2026
Property Address	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401
Document Number	0000012978
Book / Page	19895 / 38
Instrument Date	Apr 3, 2026
Instrument	202612978
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401

Mortgage

Document Number	0000012978,
Date	Apr 15, 2026
Book Page	19895/38
Instrument	202612978

Lender

Name	ANDREWS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2046

Interest

Rate	6%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401
Document Number	0000064669
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 STURBRIDGE CIR WAYNE NJ 074708401, WAYNE, NJ 07470-8401

Mortgage

Document Number	0000064669
Date	Dec 10, 2020
Book Page	016663/000277
Instrument	64669

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 9, 2040

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401
Document Number	0000064668
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 STURBRIDGE CIR WAYNE NJ 074708401, WAYNE, NJ 07470-8401

Mortgage

Document Number	0000064668
Date	Dec 10, 2020
Book Page	016663/000277
Instrument	64668

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2050

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Aug 6, 2019
Property Address	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401
Document Number	0000033842
Book / Page	D3628 / 0277
Map Reference	MAP 3066
Instrument Date	Aug 1, 2019
Instrument	2019033842
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	BELMONT TTL & SETMNT SVCS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,273.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 STONE HILL RD, 8, WAYNE, NJ 07470-4196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 STURBRIDGE CIR, WAYNE, NJ 07470-8401

Mortgage

Document Number	0000033843
Date	Aug 6, 2019
Book Page	M15637/0081
Instrument	2019033843

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$362,400 (-) Land $155,400 Building $207,000	$362,400 (-) Land $155,400 Building $207,000
2025	$21,737.00 (+0.88%)	$362,400 (+3.13%) Land $155,400 Building $207,000	$362,400 (+3.13%) Land $155,400 Building $207,000
2024	$21,548.00 (+8.46%)
2023		$351,400 Land $155,400 Building $196,000	$351,400 Land $155,400 Building $196,000
2022	$19,868.00

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

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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: Verizon.

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