Camden County and Waterford Township property record for 355 Sapling Way, Atco, NJ 08004
| Property Type | Single Family Home |
|---|---|
| Details | 2,413 sqft · built 1997 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $287,000 (Jul 2018) |
| Tax Bill | $10,866 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-00503-0000-00001 |
| Primary APN | 35-00503-0000-00001 |
|---|---|
| Alternative APN |
|
| Building Area | 2,413 sqft Living Area |
|---|
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 10,193 sqft (0.234 acres) |
| Old Parcel Number | 3500403000000012 |
|---|---|
| Street Address | 355 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 SEC 1 |
| Legal Block | 503 |
| Legal Lot Number | 1 |
| 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 | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
| Apr 26, 2021 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Jan 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 8, 2019 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG |
| Jul 30, 2018 | Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2018 · Amount on Record |
| Deed Sale | Jul 30, 2018 · Amount on Record |
| Prior Sale | Nov 20, 1996 · Amount on Record |
| Deed Document Number | 201853115 |
| Deed Book / Page | 10934 / 907 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Property Address | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Title Company | SURREY TITLE COMPANY, SURETY TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000055994 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 12425/597 |
| Instrument | 2023055994 |
| Name | NEW JERSEY HOUSING & MORTGAGE FIN AGENCY |
|---|---|
| Type | Government Agency |
| Address | TRENTON, NJ 08650 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Property Address | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Title Company | VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000038067 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 11702/495 |
| Instrument | 2021038067 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Property Address | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0000007088 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 10565/1960 |
| Instrument | 2017007088 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Property Address | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Document Number | 0000052114 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | VANTAGE PT TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 355 SAPLING WAY ATCO NJ 080041956, ATCO, NJ 08004-1956 |
| Document Number | 0000052114 |
|---|---|
| Date | Aug 2, 2019 |
| Book Page | 011182/001305 |
| Instrument | 52114 |
| Name | CLEARPATH LNDG |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Recording Date | Jul 30, 2018 |
| Property Address | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Document Number | 0000053115 |
| Book / Page | 10934 / 0907 |
| Map Reference | MAP830-2 |
| Instrument Date | Jul 2, 2018 |
| Instrument | 2018053115 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | TITLE CONSULTING SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,613.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 WINFIELD DR, 17, BERLIN, NJ 08009-9611 |
| Name | Verified Name |
|---|---|
| Address | 355 SAPLING WAY, ATCO, NJ 08004-1956 |
| Document Number | 0000053116 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 2018053116 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
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 | $238,300 (-) Land $45,200 Building $193,100 | $238,300 (-) Land $45,200 Building $193,100 | |
| 2025 | $10,866.00 (+3.5%) | $238,300 (-) Land $45,200 Building $193,100 | $238,300 (-) Land $45,200 Building $193,100 |
| 2024 | $10,499.00 (+7.31%) | ||
| 2023 | $238,300 Land $45,200 Building $193,100 | $238,300 Land $45,200 Building $193,100 | |
| 2022 | $9,784.00 |
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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