386 Sapling Way, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 386 Sapling Way, Atco, NJ 08004

Property Summary

Property Type	Single Family Home
Details	1,496 sqft · built 1998
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$233,000 (May 2020)
Tax Bill	$8,130 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`35-00502-0000-00233`

Property Details

APN / Parcel Number

Primary APN	`35-00502-0000-00233`
Alternative APN	`3500401000000029`

Interior

Building Area	1,496 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	9,801 sqft (0.225 acres)

Location & Zoning

Old Parcel Number	3500401000000029
Street Address	386 SAPLING WAY
City	ATCO
State	NJ
Zip	08004-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Subdivision	GIBERSON TR SEC 02
Legal Block	502
Legal Lot Number	233
Jurisdiction	CAMDEN NJ
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2004
Census Tract	608901

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 Record	Individual Name on Record
Mailing Address	276 FORKED NECK RD, SHAMONG, NJ 08088-9569
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI RUSSELL & LINDA SPOTTS
May 27, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Jul 13, 2010 · Amount on Record
Deed Document Number	202040698
Deed Book / Page	11411 / 1865
Prior Transfer Date	Jul 25, 2007
Prior Transfer Doc	0000081613
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	386 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000050460
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SAPLING WAY ATCO NJ 080041933, ATCO, NJ 08004-1933

Mortgage

Document Number	0000050460
Date	Jul 9, 2020
Book Page	011442/000099
Instrument	50460

Lender

Name	RUSSELL & LINDA SPOTTS
Address	207 SKYLAR CT, SHAMONG, NJ 08088-9684

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

Interest

Rate	3.5%

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAMDEN NJ
Recording Date	May 27, 2020
Property Address	386 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000040698
Book / Page	011411 / 001865
Instrument Date	May 18, 2020
Instrument	40698
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$233.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SAPLING WAY ATCO NJ 080041933, ATCO, NJ 08004-1933

Tax Assessment & Valuation

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		$178,300 (-) Land $45,400 Building $132,900	$178,300 (-) Land $45,400 Building $132,900
2025	$8,130.00 (+3.5%)	$178,300 (-) Land $45,400 Building $132,900	$178,300 (-) Land $45,400 Building $132,900
2024	$7,855.00 (+7.29%)
2023		$178,300 Land $45,400 Building $132,900	$178,300 Land $45,400 Building $132,900
2022	$7,321.00

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 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

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

Wildfire Risk	Low lower than 66% of the US · above 52% of New Jersey
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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