Passaic County and Wayne Township property record for 25 Cottonwood Rd, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 1,804 sqft · built 1950 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Jul 2020) |
| Tax Bill | $15,307 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-04311-0000-00005 |
| Primary APN | 14-04311-0000-00005 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,804 sqft Living Area |
|---|
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Lot Area | 9,975 sqft (0.229 acres) |
| Old Parcel Number | 1400660A00016 |
|---|---|
| Street Address | 25 COTTONWOOD RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-5048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 4311 |
| Legal Lot Number | 5 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 246002 |
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 | 25 COTTONWOOD RD, WAYNE, NJ 07470-5048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Jul 14, 2020 | Bargain and Sale Deed, Transfer · FHA Mortgage HARBORONE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2020 · Amount on Record |
| Deed Sale | Jul 14, 2020 · Amount on Record |
| Prior Sale | Aug 10, 2010 · Amount on Record |
| Deed Document Number | 202031208 |
| Deed Book / Page | 3827 / 244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 25 COTTONWOOD RD, WAYNE, NJ 07470-5048 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Title Company | DOWTOWN TITLE AGENCY, TOWN TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000064295 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | M17509/273 |
| Instrument | 2021064295 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Jul 14, 2020 |
| Property Address | 25 COTTONWOOD RD, WAYNE, NJ 07470-5048 |
| Document Number | 0000031208 |
| Book / Page | D3827 / 244 |
| Instrument Date | Jun 19, 2020 |
| Instrument | 2020031208 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,662.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 36 BALSAM RD, 36, WAYNE, NJ 07470-5047 |
| Name | Verified Name |
|---|---|
| Address | 25 COTTONWOOD RD, WAYNE, NJ 07470-5048 |
| Document Number | 0000031209 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 2020031209 |
| Name | HARBORONE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
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 | $255,200 (-) Land $117,500 Building $137,700 | $255,200 (-) Land $117,500 Building $137,700 | |
| 2025 | $15,307.00 (+0.88%) | $255,200 (+31.89%) Land $117,500 Building $137,700 | $255,200 (+31.89%) Land $117,500 Building $137,700 |
| 2024 | $15,174.00 (+38.7%) | ||
| 2023 | $193,500 Land $117,500 Building $76,000 | $193,500 Land $117,500 Building $76,000 | |
| 2022 | $10,940.00 |
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 | 2 in force |
| Nearby Flood Claims | 4 (1983–2005) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2005 · rainfall accumulation |
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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 209 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 |
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