394 Sapling Way, Atco, NJ 08004 Property Records

Camden County and Waterford Township property record for 394 Sapling Way, Atco, NJ 08004

Property Summary

Property Type	Single Family Home
Details	1,600 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$253,000 (Sep 2020)
Tax Bill	$8,404 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-00502-0000-00237`

Property Details

APN / Parcel Number

Primary APN	`35-00502-0000-00237`
Alternative APN	`3500401000000025`

Interior

Building Area	1,600 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Old Parcel Number	3500401000000025
Street Address	394 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 LOT 25 & BLK 401-12 LOT 25-02
Legal Block	502
Legal Lot Number	237
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	394 SAPLING WAY, ATCO, NJ 08004-1933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC
Sep 29, 2020	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Jan 11, 2010 · Amount on Record
Deed Document Number	202072908
Deed Book / Page	11506 / 617
Prior Transfer Date	Nov 26, 2012
Prior Transfer Doc	0000092227
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NJ
Property Address	394 SAPLING WAY, ATCO, NJ 08004-1933
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 SAPLING WAY, ATCO, NJ 08004-1933

Mortgage

Document Number	0000031054
Date	Mar 17, 2022
Book Page	12023/1201
Instrument	2022031054

Lender

Name	DOVENMUEHLE MORTGAGE INC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Sep 1, 2050

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMDEN NJ
Recording Date	Sep 29, 2020
Property Address	394 SAPLING WAY, ATCO, NJ 08004-1933
Document Number	0000072908
Book / Page	11506 / 617
Instrument Date	Aug 7, 2020
Instrument	2020072908
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,348.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 ROBIN WAY, 8, MEDFORD, NJ 08055-9721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CARDINAL DRIVE, BROWNS MILLS, SC

Mortgage

Document Number	0011506623
Date	Sep 29, 2020
Instrument	11506/623

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$184,300 (-) Land $45,700 Building $138,600	$184,300 (-) Land $45,700 Building $138,600
2025	$8,404.00 (+3.5%)	$184,300 (-) Land $45,700 Building $138,600	$184,300 (-) Land $45,700 Building $138,600
2024	$8,120.00 (+7.31%)
2023		$184,300 Land $45,700 Building $138,600	$184,300 Land $45,700 Building $138,600
2022	$7,567.00

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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