Passaic County and Wayne Township property record for 451 Ratzer Rd, Wayne, NJ 07470 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Architecture Style | Colonial |
| Year Built | Built 1984 |
| Square Footage | 3,052 sqft Living Area |
| Lot Size | 15,333 sqft (0.352 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $273,000 (1996) |
| Tax Bill | $18,492.00 (2025) |
| Primary APN | 14-02326-0000-00007 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,052 sqft Living Area |
|---|
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial Style |
| Lot Area | 15,333 sqft (0.352 acres) |
| Old Parcel Number | 1400593A00045 |
|---|---|
| Street Address | 451 RATZER RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-4101 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | HARMONY HILLS SEC 3 |
| Legal Block | 2326 |
| Legal Lot Number | 7 |
| Jurisdiction | PASSAIC NJ |
| Minor Civil Division | WAYNE |
| Census Blockgroup | 3 |
| Census Block | 3023 |
| Census Tract | 246201 |
Source: Passaic County and Wayne Township records · APN 14-02326-0000-00007
Assessment roll updated July 8, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 451 RATZER RD, WAYNE, NJ 07470-4101 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · Commercial Mortgage ALMA BANK |
| Oct 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Jan 09, 2018 | Deed of Trust, Mortgage ALMA BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 1996 · Amount on Record |
| Deed Sale | Jul 15, 1996 · Amount on Record |
| Deed Book / Page | 145 / 11 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 451 RATZER RD, WAYNE, NJ 07470-4101 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2023 |
| Title Company | MADISON TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 451 RATZER RD, WAYNE, NJ 07470-4101 |
| Document Number | 0000001662 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | M18336/85 |
| Instrument | 2023001662 |
| Name | ALMA BANK |
|---|---|
| Type | Bank |
| Address | ASTORIA, NY 11102 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 451 RATZER RD, WAYNE, NJ 07470-4101 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Title Company | INSIGHT TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000050559 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | M18238/290 |
| Instrument | 2022050559 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 451 RATZER RD, WAYNE, NJ 07470-4101 |
| Document Number | 0000002415 |
| Book / Page | 014856 / 000232 |
| Instrument Date | Jan 09, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2018 |
| Title Company | MADISON TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 451 RATZER RD WAYNE NJ 074704101, WAYNE, NJ 07470-4101 |
| Document Number | 0000002415 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 014856/000232 |
| Instrument | 2415 |
| Name | ALMA BK |
|---|---|
| Type | Bank |
| Address | 2831 31ST ST, ASTORIA, NY 11102-2132 |
| Amount | Amount Recorded |
|---|
Source: Passaic County and Wayne Township records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| County Subdivision | Wayne Township |
| Unified School District | Wayne Township School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,300 (-) Land $94,600 Building $213,700 | $308,300 (-) Land $94,600 Building $213,700 | |
| 2025 | $18,492.00 (+0.88%) | $308,300 (-) Land $94,600 Building $213,700 | $308,300 (-) Land $94,600 Building $213,700 |
| 2024 | $18,331.00 (+5.16%) | ||
| 2023 | $308,300 Land $94,600 Building $213,700 | $308,300 Land $94,600 Building $213,700 | |
| 2022 | $17,431.00 |
451 Ratzer Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Passaic County (34031C), updated May 29, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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