388 Sapling Way, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 388 Sapling Way, Atco, NJ 08004

Property Summary

Property Type	Single Family Home
Details	1,584 sqft · built 1998
Lot Size	0.347 acres (15,115 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jan 2026)
Tax Bill	$8,919 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-00502-0000-00234`

Property Details

APN / Parcel Number

Primary APN	`35-00502-0000-00234`
Alternative APN	`3500401000000028`

Interior

Building Area	1,584 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	15,115 sqft (0.347 acres)

Location & Zoning

Old Parcel Number	3500401000000028
Street Address	388 SAPLING WAY
City	ATCO
State	NJ
Zip	08004-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	INCL BLK 401 LOTS 28 & 12
Legal Subdivision	GIBERSON TR SEC 02
Legal Block	502
Legal Lot Number	234
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	388 SAPLING WAY, ATCO, NJ 08004-1933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage U S POSTAL SERVICES FCU
Jan 28, 2026	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	Dec 4, 2007 · Amount on Record
Deed Document Number	20266249
Deed Book / Page	13010 / 1210
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	388 SAPLING WAY, ATCO, NJ 08004-1933
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 SAPLING WAY, ATCO, NJ 08004-1933

Mortgage

Document Number	0000028934
Date	Apr 27, 2023
Book Page	12340/726
Instrument	2023028934

Lender

Name	U S POSTAL SERVICES FCU
Type	Credit Union
Address	CLINTON, MD 20735

Agreement

Amount	Amount Recorded

Interest

Rate	8%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMDEN NJ
Recording Date	Jan 28, 2026
Property Address	388 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000006249
Book / Page	13010 / 1210
Instrument Date	Jan 13, 2026
Instrument	2026006249
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NATIONAL INTEGRITY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	471 WATEFAROS EAGLE CT, ATCO, NJ 08004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 SAPLING WAY, ATCO, NJ 08004-1933

Mortgage

Document Number	0130101216
Date	Jan 28, 2026
Instrument	13010/1216

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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		$195,600 (-) Land $47,700 Building $147,900	$195,600 (-) Land $47,700 Building $147,900
2025	$8,919.00 (+3.49%)	$195,600 (-) Land $47,700 Building $147,900	$195,600 (-) Land $47,700 Building $147,900
2024	$8,618.00 (+7.31%)
2023		$195,600 Land $47,700 Building $147,900	$195,600 Land $47,700 Building $147,900
2022	$8,031.00

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 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

Nearby Properties on Sapling Way

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