Passaic County and Wayne Township property record for 3 Cosden Ln, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 2,828 sqft · built 1998 |
| Lot Size | 0.371 acres (16,161 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $890,000 (Feb 2023) |
| Tax Bill | $18,450 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage May 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-02320-0000-00023-01 |
| Primary APN | 14-02320-0000-00023-01 |
|---|---|
| Alternative APN |
|
| Building Area | 2,828 sqft Living Area |
|---|
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Lot Area | 16,161 sqft (0.371 acres) |
| Street Address | 3 COSDEN LN |
|---|---|
| City | WAYNE |
| State | NJ |
| Zip | 07470-5423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2320 |
| Legal Lot Number | 23.1 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 246201 |
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 | 3 COSDEN LN, WAYNE, NJ 07470-5423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 16, 2023 | Deed, Transfer · Conventional Mortgage FARMERS BANK & TRUST |
| May 5, 2022 | Deed of Trust, Mortgage · Line of Credit VAST BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2023 · Amount on Record |
| Deed Sale | Feb 16, 2023 · Amount on Record |
| Prior Sale | Feb 25, 2015 · Amount on Record |
| Deed Document Number | 20235521 |
| Deed Book / Page | 4480 / 133 |
| Prior Transfer Date | Jan 26, 2017 |
| Prior Transfer Doc | 0000008738 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Feb 16, 2023 |
| Property Address | 3 COSDEN LN, WAYNE, NJ 07470-5423 |
| Document Number | 0000005521 |
| Book / Page | D4480 / 133 |
| Instrument Date | Jan 23, 2023 |
| Instrument | 2023005521 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | MADISON TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16 LOWELL DR, WAYNE, NJ 07470-8406 |
| Name | Verified Name |
|---|---|
| Address | 3 COSDEN LN, WAYNE, NJ 07470-5423 |
| Document Number | 0000005522 |
|---|---|
| Date | Feb 16, 2023 |
| Book Page | M18377/179 |
| Instrument | 2023005522 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | GREAT BEND, KS 67530 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 3 COSDEN LN, WAYNE, NJ 07470-5423 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 COSDEN LN, WAYNE, NJ 07470-5423 |
| Document Number | 0000024781 |
|---|---|
| Date | May 5, 2022 |
| Book Page | M17976/295 |
| Instrument | 2022024781 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $307,600 (-) Land $112,200 Building $195,400 | $307,600 (-) Land $112,200 Building $195,400 | |
| 2025 | $18,450.00 (+0.88%) | $307,600 (-) Land $112,200 Building $195,400 | $307,600 (-) Land $112,200 Building $195,400 |
| 2024 | $18,289.00 (+5.16%) | ||
| 2023 | $307,600 Land $112,200 Building $195,400 | $307,600 Land $112,200 Building $195,400 | |
| 2022 | $17,391.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (2007–2011) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 98% of the US · lower than 94% 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 359 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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