Passaic County and Wayne Township property record for 22 Harmer Ter, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 2,632 sqft · built 1962 |
| Lot Size | 0.345 acres (15,028 sqft) |
| Owner | Company Name on Record |
| Last Sale | $835,000 (Dec 2023) |
| Tax Bill | $16,950 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Oct 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-01118-0000-00002 |
| Primary APN | 14-01118-0000-00002 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,632 sqft Living Area |
|---|
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Colonial |
| Lot Area | 15,028 sqft (0.345 acres) |
| Old Parcel Number | 1400187D00002 |
|---|---|
| Street Address | 22 HARMER TER |
| City | WAYNE |
| State | NJ |
| Zip | 07470-2869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1118 |
| Legal Lot Number | 2 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 246104 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 22 HARMER TER, WAYNE, NJ 07470-2869 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage VISIONS FCU |
| Oct 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE LOAN STORE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 7, 2023 · Amount on Record |
| Deed Sale | Dec 7, 2023 · Amount on Record |
| Deed Document Number | 202338880 |
| Deed Book / Page | 4630 / 293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 22 HARMER TER, WAYNE, NJ 07470-2869 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 99 CRYSTAL ST, NORTH ARLINGTON, NJ 07031-5613 |
| Document Number | 0000038881 |
|---|---|
| Date | Dec 7, 2023 |
| Book Page | M18726/257 |
| Instrument | 2023038881 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Max Rate | 12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 22 HARMER TER, WAYNE, NJ 07470-2869 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000034604 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | M18683/273 |
| Instrument | 2023034604 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | Apr 26, 2025 |
Source: Passaic County and Wayne Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| County Subdivision | Wayne Township |
| Unified School District | Wayne Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $282,600 (-) Land $121,000 Building $161,600 | $282,600 (-) Land $121,000 Building $161,600 | |
| 2025 | $16,950.00 (+0.87%) | $282,600 (-) Land $121,000 Building $161,600 | $282,600 (-) Land $121,000 Building $161,600 |
| 2024 | $16,803.00 (+5.16%) | ||
| 2023 | $282,600 Land $121,000 Building $161,600 | $282,600 Land $121,000 Building $161,600 | |
| 2022 | $15,978.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 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 |
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