326 Sapling Way, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 326 Sapling Way, Atco, NJ 08004

Property Summary

Property Type	Single Family Home
Details	1,392 sqft · built 1996
Lot Size	0.236 acres (10,280 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Apr 2014)
Tax Bill	$7,711 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-00502-0000-00194`

Property Details

APN / Parcel Number

Primary APN	`35-00502-0000-00194`
Alternative APN	`3500401000000059`

Interior

Building Area	1,392 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	10,280 sqft (0.236 acres)

Location & Zoning

Old Parcel Number	3500401000000059
Street Address	326 SAPLING WAY
City	ATCO
State	NJ
Zip	08004-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Subdivision	GIBERSON TR SEC 02
Legal Block	502
Legal Lot Number	194
Jurisdiction	CAMDEN NJ
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2004
Census Tract	608901

Owner

Source: Camden County and Waterford Township assessment roll, as of July 1, 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 File
Mailing Address	326 SAPLING WAY, ATCO, NJ 08004-1933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 7, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage TD BANK NA
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 29, 2014 · Amount on Record
Deed Sale	Apr 29, 2014 · Amount on Record
Prior Sale	Oct 5, 2002 · Amount on Record
Deed Document Number	201428592
Deed Book / Page	9999 / 1798
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Recording Date	Jul 14, 2026
Property Address	326 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000044318
Book / Page	13133 / 1282
Instrument Date	Jun 24, 2026
Instrument	202644318
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SAPLING WAY, ATCO, NJ 08004-1933

Mortgage

Document Number	0000044318,
Date	Jul 14, 2026
Book Page	13133/1282
Instrument	202644318

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2036

Interest

Rate	6.53%
Max Rate	-1%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMDEN NJ
Recording Date	Feb 7, 2022
Property Address	326 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000013405
Book / Page	11967 / 1782
Instrument Date	Aug 27, 2021
Instrument	2022013405
Transaction Type	Transfer
Record Updated	Apr 5, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	326 SAPLING WAY, ATCO, NJ 08004-1933

Mortgage

Document Number	0119671789
Date	Feb 7, 2022
Instrument	11967/1789

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	326 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000083569
Book / Page	010756 / 001550
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	CITY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SAPLING WAY ATCO NJ 080041933, ATCO, NJ 08004-1933

Mortgage

Document Number	0000083569
Date	Nov 14, 2017
Book Page	010756/001550
Instrument	83569

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2047

Tax Assessment & Valuation

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		$169,100 (-) Land $43,500 Building $125,600	$169,100 (-) Land $43,500 Building $125,600
2025	$7,711.00 (+3.5%)	$169,100 (-) Land $43,500 Building $125,600	$169,100 (-) Land $43,500 Building $125,600
2024	$7,450.00 (+7.3%)
2023		$169,100 Land $43,500 Building $125,600	$169,100 Land $43,500 Building $125,600
2022	$6,943.00

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

Flood

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

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

Wildfire Risk	Low lower than 67% of the US · above 51% of New Jersey
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERFORD TOWNSHIP WATER DEPT. serves 1,300 people · EPA ID NJ0435003
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 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	2 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

326 Sapling Way, Atco, NJ 08004 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Sapling Way

Nearby Streets

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