4 Stephens Ave, Wanaque, NJ 07465 Property Records

Passaic County and Wanaque Borough property record for 4 Stephens Ave, Wanaque, NJ 07465

Property Summary

Property Type	Single Family Home
Details	1,331 sqft · built 1940
Lot Size	0.223 acres (9,696 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,764 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00216-0000-00016`

Property Details

APN / Parcel Number

Primary APN	`13-00216-0000-00016`
Alternative APN	`130021600016`

Interior

Stories	1 Story
Building Area	1,331 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	9,696 sqft (0.223 acres)
Lot Dimensions	96 ft deep x 101 ft wide

Location & Zoning

Street Address	4 STEPHENS AVE
City	WANAQUE
State	NJ
Zip	07465-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	216
Legal Lot Number	16
Jurisdiction	PASSAIC NJ
Township / Civil Division	WANAQUE
Census Block Group	3
Census Block	3015
Census Tract	236604

Owner

Source: Passaic County and Wanaque Borough 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	2 Individual Names on Record
Mailing Address	4 STEPHENS AVE, WANAQUE, NJ 07465-2311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 22, 2021	Intrafamily Transfer, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Oct 17, 2019	Deed of Trust, Mortgage · Commercial Mortgage LAKELAND BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2021
Deed Sale	Jul 22, 2021
Prior Sale	Nov 16, 2010 · Amount on Record
Deed Document Number	202147705
Deed Book / Page	4090 / 42
Prior Transfer Date	Jul 8, 2021
Prior Transfer Doc	0000047705
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	4 STEPHENS AVE, WANAQUE, NJ 07465-2311
Transaction Type	Mortgage
Record Updated	May 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013486
Date	Apr 24, 2023
Book Page	M18457/285
Instrument	2023013486

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PASSAIC NJ
Recording Date	Jul 22, 2021
Property Address	4 STEPHENS AVE, WANAQUE, NJ 07465-2311
Document Number	0000047705
Book / Page	D4090 / 42
Instrument Date	Jul 8, 2021
Instrument	2021047705
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ADVANTAGE TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 STEPHENS AVE, 4, WANAQUE, NJ 07465-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 STEPHENS AVE, WANAQUE, NJ 07465-2311

Mortgage

Document Number	0000047706
Date	Jul 22, 2021
Instrument	2021047706

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	4 STEPHENS AVE, WANAQUE, NJ 07465-2311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047499
Date	Oct 17, 2019
Book Page	M15777/0113
Instrument	2019047499

Lender

Name	LAKELAND BANK
Type	Bank
Address	OAK RIDGE, NJ 07438

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Passaic County and Wanaque Borough assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Wanaque Borough
Secondary School District	Lakeland Regional School District (09 - 12)
Elementary School District	Wanaque Borough School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$193,000 (-) Land $94,000 Building $99,000	$193,000 (-) Land $94,000 Building $99,000
2025	$8,764.00 (+5.29%)	$193,000 (-) Land $94,000 Building $99,000	$193,000 (-) Land $94,000 Building $99,000
2024	$8,324.00 (+4.23%)
2023		$193,000 Land $94,000 Building $99,000	$193,000 Land $94,000 Building $99,000
2022	$7,986.00

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 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (2011–2023)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2023

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 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.01% 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	WANAQUE W DEPT. serves 10,266 people · EPA ID NJ1613002
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2022
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Aug 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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