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381 Sapling Way, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 381 Sapling Way, Atco, NJ 08004

Property Summary

Property TypeSingle Family Home
Details1,600 sqft · built 1998
Lot Size0.207 acres (8,999 sqft)
Owner2 Individual Names on Record
Last Sale$230,000 (Apr 2018)
Tax Bill$8,928 (2025)
Deeds & MortgagesJan 2020 Mortgage
Apr 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN35-00504-0000-00016

Property Details

APN / Parcel Number

Primary APN35-00504-0000-00016

Interior

Building Area1,600 sqft Living Area

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Lot Area8,999 sqft (0.207 acres)
Lot Dimensions120 ft deep x 75 ft wide

Location & Zoning

Street Address381 SAPLING WAY
CityATCO
StateNJ
Zip08004-1955
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4
Legal SubdivisionGIBERSON SEC 2
Legal Block504
Legal Lot Number16
JurisdictionCAMDEN NJ
Township / Civil DivisionWATERFORD
Census Block Group2
Census Block2006
Census Tract608901

Owner

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 Record2 Individual Names on Record
Mailing Address381 SAPLING WAY, ATCO, NJ 08004-1955
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 30, 2020Deed of Trust, Mortgage · Conventional with PMI
ADVISORS MTG
Apr 10, 2018Deed, Transfer · Conventional Mortgage
ADVISORS MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 10, 2018 · Amount on Record
Deed SaleApr 10, 2018 · Amount on Record
Prior SaleFeb 10, 1998 · Amount on Record
Deed Document Number201825153
Deed Book / Page10859 / 1175
Record UpdatedSep 20, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAMDEN NJ
Property Address381 SAPLING WAY, ATCO, NJ 08004-1955
Document Number0000016863
Instrument DateJan 30, 2020
Transaction TypeMortgage
Record UpdatedMar 11, 2020
Title CompanyHUNTER TITLE AGENCY, HUNTER TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address381 SAPLING WAY ATCO NJ 080041955, ATCO, NJ 08004-1955

Mortgage

Document Number0000016863
DateFeb 28, 2020
Book Page011339/000332
Instrument16863
Lender
NameADVISORS MTG
TypeMortgage Company
AddressOCEAN, NJ 07712
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 27, 2050

April 2018: Deed, Transfer

Document TypeDeed
JurisdictionCAMDEN NJ
Recording DateApr 10, 2018
Property Address381 SAPLING WAY, ATCO, NJ 08004-1955
Document Number0000025153
Book / Page10859 / 1175
Map ReferenceMAP830-3
Instrument DateMar 22, 2018
Instrument2018025153
Transaction TypeTransfer
Record UpdatedNov 2, 2021
Title CompanyTITLE AMERICA AGENCY CORP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,169.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address381 SAPLIBNFWAY, 381, ATCO, NJ 08004

Transferred To (Grantee/Buyer)

NameVerified Name
Address381 SAPLIBNFWAY, ATCO, NJ 08004

Mortgage

Document Number0000025154
DateApr 10, 2018
Instrument2018025154
Lender
NameADVISORS MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term357 Months
DueJan 2, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyCamden County
County SubdivisionWaterford Township
Unified School DistrictWaterford Township School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$195,800 (-) Land $45,400 Building $150,400$195,800 (-) Land $45,400 Building $150,400
2025$8,928.00 (+3.5%)$195,800 (-) Land $45,400 Building $150,400$195,800 (-) Land $45,400 Building $150,400
2024$8,626.00 (+7.3%)
2023$195,800 Land $45,400 Building $150,400$195,800 Land $45,400 Building $150,400
2022$8,039.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 67% of the US · above 51% of New Jersey
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemWATERFORD TOWNSHIP WATER DEPT.
serves 1,300 people · EPA ID NJ0435003
Water SourceGroundwater
Last State InspectionJul 2025
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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