Passaic County and Wayne Township property record for 45 Ludlum Rd, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 1,924 sqft · built 1973 |
| Lot Size | 0.465 acres (20,255 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $635,000 (Dec 2023) |
| Tax Bill | $14,497 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-04400-0000-00023 |
| Primary APN | 14-04400-0000-00023 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,924 sqft Living Area |
|---|
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Bungalow |
| Lot Area | 20,255 sqft (0.465 acres) |
| Old Parcel Number | 1400640A00023 |
|---|---|
| Street Address | 45 LUDLUM RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-6248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HOPPER REALTY & INV CO MAP 2 |
| Legal Block | 4400 |
| Legal Lot Number | 23 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 246003 |
Source: Passaic County and Wayne Township records, as of July 22, 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 | 45 LUDLUM RD, WAYNE, NJ 07470-6248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2023 | Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Feb 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Aug 31, 2018 | Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2023 · Amount on Record |
| Deed Sale | Dec 26, 2023 · Amount on Record |
| Prior Sale | Dec 4, 2014 · Amount on Record |
| Deed Document Number | 202340645 |
| Deed Book / Page | 4639 / 215 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Dec 26, 2023 |
| Property Address | 45 LUDLUM RD, WAYNE, NJ 07470-6248 |
| Document Number | 0000040645 |
| Book / Page | D4639 / 215 |
| Instrument Date | Dec 19, 2023 |
| Instrument | 2023040645 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2024 |
| Title Company | NOT AVAILABLE, NEXUS TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,587.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 528 52ND ST # ST201, ST201, WEST NEW YORK, NJ 07093-5640 |
| Name | Verified Name |
|---|---|
| Address | 47 LEVITT AVE, BERGENFIELD, NJ 07621-1906 |
| Document Number | 0000040646 |
|---|---|
| Date | Dec 26, 2023 |
| Instrument | 2023040646 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 45 LUDLUM RD, WAYNE, NJ 07470-6248 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45 LUDLUM RD, WAYNE, NJ 07470-6248 |
| Document Number | 0000010187 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | M17814/137 |
| Instrument | 2022010187 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 45 LUDLUM RD, WAYNE, NJ 07470-6248 |
| Document Number | 0000041865 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 45 LUDLUM RD WAYNE NJ 074706248, WAYNE, NJ 07470-6248 |
| Document Number | 0000041865 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 000735/000273 |
| Instrument | 41865 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 12, 2048 |
| Rate | 4.75% |
|---|
Source: Passaic County and Wayne Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| County Subdivision | Wayne Township |
| Unified School District | Wayne Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $241,700 (-) Land $99,200 Building $142,500 | $241,700 (-) Land $99,200 Building $142,500 | |
| 2025 | $14,497.00 (+0.88%) | $241,700 (+24.72%) Land $99,200 Building $142,500 | $241,700 (+24.72%) Land $99,200 Building $142,500 |
| 2024 | $14,371.00 (+31.16%) | ||
| 2023 | $193,800 (-) Land $99,200 Building $94,600 | $193,800 (-) Land $99,200 Building $94,600 | |
| 2022 | $10,957.00 | $193,800 Land $99,200 Building $94,600 | $193,800 Land $99,200 Building $94,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Dec 1983 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 182 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 | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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