Passaic County and Wayne Township property record for 45 Tammy Ter, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 2,484 sqft · built 1967 |
| Lot Size | 0.291 acres (12,676 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $555,000 (May 2020) |
| Tax Bill | $14,635 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage Dec 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-01105-0000-00010 |
| Primary APN | 14-01105-0000-00010 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,484 sqft Living Area |
|---|
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Colonial |
| Lot Area | 12,676 sqft (0.291 acres) |
| Old Parcel Number | 1400186A00010 |
|---|---|
| Street Address | 45 TAMMY TER |
| City | WAYNE |
| State | NJ |
| Zip | 07470-2519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-B |
| Legal Subdivision | HILLTOP ESTATES SEC 2 |
| Legal Block | 1105 |
| Legal Lot Number | 10 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 246104 |
45 Tammy Ter is owned and occupied by two individuals who bought it in May 2020.
Source: Passaic County and Wayne Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 TAMMY TER, WAYNE, NJ 07470-2519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 4, 2020 | Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 10, 2019 | Grant Deed, Transfer · Line of Credit FINANCE OF AMERICA COM'L LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2020 · Amount on File |
| Deed Sale | May 4, 2020 · Amount on File |
| Prior Sale | Dec 10, 2019 · Amount on File |
| Deed Document Number | 202020133 |
| Deed Book / Page | 3792 / 278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | May 4, 2020 |
| Property Address | 45 TAMMY TER, WAYNE, NJ 07470-2519 |
| Document Number | 0000020133 |
| Book / Page | 003792 / 000278 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 20133 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2020 |
| Title Company | PASSAIC VALLEY TITLE SERVICES INC, PASSAIC VLY TITLE SVC INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 TAMMY TER WAYNE NJ 074702519, WAYNE, NJ 07470-2519 |
| Document Number | 20134 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 20134 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 3, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Dec 10, 2019 |
| Property Address | 45 TAMMY TER, WAYNE, NJ 07470-2519 |
| Document Number | 0000057306 |
| Book / Page | 003709 / 000019 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 57306 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2020 |
| Title Company | RMS TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2183 MORRIS AVE #C UNION NJ 070835926, C, UNION, NJ 07083-5926 |
| Document Number | 57312 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 015880/000138 |
| Instrument | 57312 |
| Name | FINANCE OF AMERICA COM'L LLC |
|---|---|
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 9, 2020 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Tammy Ter was $14,635, up 0.9% from the year before.
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 | $244,000 (-) Land $116,200 Building $127,800 | $244,000 (-) Land $116,200 Building $127,800 | |
| 2025 | $14,635.00 (+0.88%) | $244,000 Land $116,200 Building $127,800 | $244,000 Land $116,200 Building $127,800 |
| 2024 | $14,508.00 | ||
| 2023 | $244,000 Land $116,200 Building $127,800 | $244,000 Land $116,200 Building $127,800 | |
| 2022 | $13,795.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 45 Tammy Ter 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 | 1 in force |
| Nearby Flood Claims | 8 (1982–2021) |
| Claims Outside the SFHA | 6 of 8 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 45 Tammy Ter is low, with less than 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 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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.
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 172 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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