Camden County and Waterford Township property record for 345 Sapling Way, Atco, NJ 08004
| Property Type | Single Family Home |
|---|---|
| Details | 2,138 sqft · built 1997 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Nov 1996) |
| Tax Bill | $10,082 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-00503-0000-00002 |
| Primary APN | 35-00503-0000-00002 |
|---|---|
| Alternative APN |
|
| Building Area | 2,138 sqft Living Area |
|---|
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 10,193 sqft (0.234 acres) |
| Old Parcel Number | 3500403000000013 |
|---|---|
| Street Address | 345 SAPLING WAY |
| City | ATCO |
| State | NJ |
| Zip | 08004-1956 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Subdivision | GIBERSON TR |
| Legal Block | 503 |
| Legal Lot Number | 2 |
| Jurisdiction | CAMDEN NJ |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 608901 |
Source: Camden County and Waterford Township records, 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 Record |
|---|---|
| Mailing Address | 345 SAPLING WAY, ATCO, NJ 08004-1956 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| May 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 1996 · Amount on Record |
| Deed Sale | Nov 7, 1996 · Amount on Record |
| Prior Sale | Oct 31, 1996 · Amount on Record |
| Deed Book / Page | 4852 / 569 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Property Address | 345 SAPLING WAY, ATCO, NJ 08004-1956 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | CITY ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0000010120 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 11615/1630 |
| Instrument | 2021010120 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Property Address | 345 SAPLING WAY, ATCO, NJ 08004-1956 |
| Document Number | 0000035342 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 345 SAPLING WAY ATCO NJ 080041956, ATCO, NJ 08004-1956 |
| Document Number | 0000035342 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 010886/000637 |
| Instrument | 35342 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | PHILADELPHIA, PA 19102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 4.99% |
|---|
Source: Camden County and Waterford Township assessment roll, as of July 1, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Camden County |
| County Subdivision | Waterford Township |
| Unified School District | Waterford Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,100 (-) Land $46,000 Building $175,100 | $221,100 (-) Land $46,000 Building $175,100 | |
| 2025 | $10,082.00 (+3.5%) | $221,100 (-) Land $46,000 Building $175,100 | $221,100 (-) Land $46,000 Building $175,100 |
| 2024 | $9,741.00 (+7.3%) | ||
| 2023 | $221,100 Land $46,000 Building $175,100 | $221,100 Land $46,000 Building $175,100 | |
| 2022 | $9,078.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 | 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 |
| 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.
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 Fixed Wireless | 100 / 20 |
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