2287 Richards Ave, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 2287 Richards Ave, Atco, NJ 08004

Property Summary

Property Type	Single Family Home
Details	924 sqft · built 1900
Lot Size	1.06 acres (46,609 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (May 2016)
Tax Bill	$7,045 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-03501-0000-00039`

Property Details

APN / Parcel Number

Primary APN	`35-03501-0000-00039`
Alternative APN	`3500143000000039`

Interior

Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	46,609 sqft

Location & Zoning

Old Parcel Number	3500143000000039
Street Address	2287 RICHARDS AVE
City	ATCO
State	NJ
Zip	08004-1262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	3501
Legal Lot Number	39
Jurisdiction	CAMDEN NJ
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3002
Census Tract	608903

Owner

2287 Richards Ave is owned and occupied by an individual who bought it in May 2016.

Source: Camden County and Waterford Township records, as of July 1, 2026

Owner of Record	Individual Name on File
Mailing Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2016 · Amount on File
Deed Sale	May 5, 2016 · Amount on File
Prior Sale	Feb 2, 2016
Deed Document Number	201638208
Deed Book / Page	10403 / 334
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262

Mortgage

Document Number	0000064915
Date	Jul 1, 2022
Book Page	12125/1991
Instrument	2022064915

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 3, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262

Mortgage

Document Number	0000014630
Date	Feb 28, 2023
Book Page	12299/949
Instrument	2023014630

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	Other
Max Rate	10.8%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	EQUITY NATL TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041100
Date	Jun 8, 2017
Book Page	10645/1045
Instrument	2017041100

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 4, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMDEN NJ
Recording Date	Mar 31, 2017
Property Address	2287 RICHARDS AVE, ATCO, NJ 08004-1262
Document Number	0000024810
Book / Page	010605 / 001068
Instrument Date	Nov 21, 2016
Instrument	24810
Transaction Type	Transfer
Record Updated	May 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2287 RICHARDS AVE ATCO NJ 080041262, ATCO, NJ 08004-1262

Tax Assessment & Valuation

The 2025 property tax bill for 2287 Richards Ave was $7,045, up 3.5% from the year before.

Source: Camden County and Waterford Township assessment roll, as of July 1, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Camden County
County Subdivision	Waterford Township
Unified School District	Waterford Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$154,500 (-) Land $50,200 Building $104,300	$154,500 (-) Land $50,200 Building $104,300
2025	$7,045.00 (+3.5%)	$154,500 Land $50,200 Building $104,300	$154,500 Land $50,200 Building $104,300
2024	$6,807.00
2023		$154,500 (-) Land $50,200 Building $104,300	$154,500 (-) Land $50,200 Building $104,300
2022	$6,343.00 (+11.4%)	$154,500 Land $50,200 Building $104,300	$154,500 Land $50,200 Building $104,300
2021	$5,694.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2287 Richards Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2287 Richards Ave is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · above 75% of New Jersey
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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