38 Stirling Ln, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 38 Stirling Ln, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	2,326 sqft · built 1964
Lot Size	0.354 acres (15,420 sqft)
Owner	Individual Name on Record
Last Sale	$865,000 (Dec 2025)
Tax Bill	$17,154 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-00925-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`14-00925-0000-00010`
Alternative APNs	`1400458B00010` `140092500010`

Interior

Building Area	2,326 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Lot Area	15,420 sqft (0.354 acres)

Location & Zoning

Old Parcel Number	1400458B00010
Street Address	38 STIRLING LN
City	WAYNE
State	NJ
Zip	07470-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	925
Legal Lot Number	10
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1023
Census Tract	246203

Owner

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	Individual Name on Record
Mailing Address	38 STIRLING LN, WAYNE, NJ 07470-4502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 15, 2025	Deed, Transfer VISIONS FCU
Jun 29, 2018	Deed of Trust, Mortgage · ARM VISIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Mar 6, 1996 · Amount on Record
Deed Document Number	202542496
Deed Book / Page	5018 / 7
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	38 STIRLING LN, WAYNE, NJ 07470-4502
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010809
Date	Feb 22, 2022
Book Page	M17820/58
Instrument	2022010809

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Dec 1, 2041

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Dec 15, 2025
Property Address	38 STIRLING LN, WAYNE, NJ 07470-4502
Document Number	0000042496
Book / Page	D5018 / 7
Instrument Date	Dec 1, 2025
Instrument	2025042496
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,887.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 COOLIDGE AVE, SEASIDE HEIGHTS, NJ 08751-1604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 STIRLING LN, WAYNE, NJ 07470-4502

Mortgage

Document Number	0000042497
Date	Dec 15, 2025
Instrument	2025042497

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Max Rate	10.5%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	38 STIRLING LN, WAYNE, NJ 07470-4502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029035
Date	Jun 29, 2018
Book Page	M15082/0267
Instrument	2018029035

Lender

Name	VISIONS FCU
Type	Credit Union
Address	ENDICOTT, NY 13760

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Jun 1, 2033
Change Frequency	Annually
Index	10-Year TN
Margin	3
Max Rate	5.99%

Tax Assessment & Valuation

Source: Passaic County and Wayne Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
County Subdivision	Wayne Township
Unified School District	Wayne Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$286,000 (-) Land $131,400 Building $154,600	$286,000 (-) Land $131,400 Building $154,600
2025	$17,154.00 (+0.88%)	$286,000 (-) Land $131,400 Building $154,600	$286,000 (-) Land $131,400 Building $154,600
2024	$17,005.00 (+5.16%)
2023		$286,000 Land $131,400 Building $154,600	$286,000 Land $131,400 Building $154,600
2022	$16,170.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	4 in force
Nearby Flood Claims	23 (1979–2012)
Claims Outside the SFHA	9 of 23
Most Recent Claim	Jul 2012 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 9 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims Coastal Storms & Flooding, Apr 1984 · 4 claims

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.

Wildfire

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

Wildfire Risk	Low lower than 93% of the US · lower than 81% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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