357 Gardens Ave, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 357 Gardens Ave, Atco, NJ 08004

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1920
Lot Size	0.93 acres (40,502 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Sep 2020)
Tax Bill	$6,142 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-00901-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`35-00901-0000-00006`
Alternative APN	`3500038000000011`

Interior

Stories	1 Story
Building Area	1,196 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	40,502 sqft (0.93 acres)
Lot Dimensions	405 ft deep x 100 ft wide

Location & Zoning

Old Parcel Number	3500038000000011
Street Address	357 GARDENS AVE
City	ATCO
State	NJ
Zip	08004-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	LOUISE ROBINSONS PLACE
Legal Block	901
Legal Lot Number	6
Jurisdiction	CAMDEN NJ
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3021
Census Tract	608901

Owner

357 Gardens Ave is owned and occupied by an individual who bought it in September 2020.

Source: Camden County and Waterford Township records, as of July 1, 2026

Owner of Record	Individual Name on File
Mailing Address	357 GARDENS AVE, ATCO, NJ 08004-1504
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK
Sep 10, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 17, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Deed Document Number	202066133
Deed Book / Page	11487 / 1950
Prior Transfer Date	Aug 8, 2012
Prior Transfer Doc	0000066847
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	357 GARDENS AVE, ATCO, NJ 08004-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016755
Date	Feb 28, 2020
Book Page	11338/1815
Instrument	2020016755

Lender

Name	COLUMBIA BANK
Type	Bank
Address	FAIR LAWN, NJ 07410

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CAMDEN NJ
Recording Date	Sep 10, 2020
Property Address	357 GARDENS AVE, ATCO, NJ 08004-1504
Document Number	0000066133
Book / Page	11487 / 1950
Instrument Date	Jul 27, 2020
Instrument	2020066133
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	SURETY TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 GARDENS AVE, 357, ATCO, NJ 08004-1504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 GARDENS AVE, ATCO, NJ 08004-1504

Mortgage

Document Number	0114871957
Date	Sep 10, 2020
Instrument	11487/1957

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Mortgage

Document Number	0000066135
Date	Sep 10, 2020
Book Page	11487/1978
Instrument	2020066135

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	59 Months
Due	Aug 14, 2025

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	357 GARDENS AVE, ATCO, NJ 08004-1504
Document Number	0000050015
Book / Page	010669 / 000140
Instrument Date	Jun 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 9, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 GARDENS AVE ATCO NJ 080041504, ATCO, NJ 08004-1504

Mortgage

Document Number	0000050015
Date	Jul 19, 2017
Book Page	010669/000140
Instrument	50015

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WINSTON-SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 18, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 357 Gardens Ave was $6,142, up 3.5% from the year before.

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		$134,700 (-) Land $46,700 Building $88,000	$134,700 (-) Land $46,700 Building $88,000
2025	$6,142.00 (+3.51%)	$134,700 Land $46,700 Building $88,000	$134,700 Land $46,700 Building $88,000
2024	$5,934.00
2023		$134,700 Land $46,700 Building $88,000	$134,700 Land $46,700 Building $88,000
2022	$5,292.00

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

Flood

FEMA maps place 357 Gardens Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 357 Gardens Ave is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 64% of New Jersey
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gardens Ave

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