406 Indian Rd, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 406 Indian Rd, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	2,950 sqft · built 1961
Lot Size	0.438 acres (19,079 sqft)
Owner	Individual Name on File
Last Sale	$908,000 (Jun 2026)
Tax Bill	$17,256 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-04604-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`14-04604-0000-00013`
Alternative APNs	`1400675C00004` `140460400013`

Interior

Building Area	2,950 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Lot Area	19,079 sqft (0.438 acres)

Location & Zoning

Old Parcel Number	1400675C00004
Street Address	406 INDIAN RD
City	WAYNE
State	NJ
Zip	07470-4914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADDITIONAL LOTS: DISABLED VET/FACILITY NAME: DISABLED VETERAN
Legal Subdivision	MUNICIPALITY/WAYNE TOWNSHIP
Legal Block	4604
Legal Lot Number	13
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	3
Census Block	3007
Census Tract	246002

Owner

406 Indian Rd is owned and occupied by an individual who bought it in June 2026.

Source: Passaic County and Wayne Township records, as of July 8, 2026

Owner of Record	Individual Name on File
Mailing Address	406 INDIAN RD, WAYNE, NJ 07470-4914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Sep 25, 2025	Deed of Trust, Mortgage RUSSELL CHARLES WHEELER
Sep 10, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Sep 10, 2021 · Amount on File
Deed Document Number	202619726
Deed Book / Page	5108 / 279
Prior Transfer Date	Dec 1, 2011
Prior Transfer Doc	0000055369
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jun 10, 2026
Property Address	406 INDIAN RD, WAYNE, NJ 07470-4914
Document Number	0000019726
Book / Page	5108 / 279
Instrument Date	Jun 3, 2026
Instrument	202619726
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,708.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 INDIAN RD, WAYNE, NJ 07470-4914

Mortgage

Document Number	0000019727,
Date	Jun 10, 2026
Instrument	202619727

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	406 INDIAN RD, WAYNE, NJ 07470-4914
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 INDIAN RD, WAYNE, NJ 07470-4914

Mortgage

Document Number	0000032299
Date	Sep 25, 2025
Book Page	M19577/236
Instrument	2025032299

Lender

Name	RUSSELL CHARLES WHEELER
Type	Private Party
Address	20 TIFFANY CT E, NESCONSET, NY 11767

Agreement

Amount	Amount on Record

September 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	Sep 10, 2021
Property Address	406 INDIAN RD, WAYNE, NJ 07470-4914
Document Number	0000057748
Book / Page	D4127 / 277
Instrument Date	Aug 11, 2021
Instrument	2021057748
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	HUDSON UNITED TITLE SERVICES LLC, HUDSON UNITED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 REIDS FERRY CT, 1, MEDFORD, NJ 08055-8613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 INDIAN RD, WAYNE, NJ 07470-4914

Mortgage

Document Number	0000057750
Date	Sep 10, 2021
Instrument	2021057750

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 406 Indian Rd was $17,256, up 0.9% from the year before.

Source: Passaic County and Wayne Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
County Subdivision	Wayne Township
Unified School District	Wayne Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$287,700 (-) Land $111,100 Building $176,600	$287,700 (-) Land $111,100 Building $176,600
2025	$17,256.00 (+0.88%)	$287,700 Land $111,100 Building $176,600	$287,700 Land $111,100 Building $176,600
2024	$17,106.00
2023		$287,700 Land $111,100 Building $176,600	$287,700 Land $111,100 Building $176,600
2022	$16,266.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Indian Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

Wildfire risk around 406 Indian Rd is low, with a 0.01% annual chance of 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	TOWNSHIP OF WAYNE serves 55,000 people · EPA ID NJ1614001
Water Source	Purchased surface water from N.J.D.W.S.C. - WANAQUE NORTH
Lead	3 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	None 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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