46 Raphael Rd, Totowa, NJ 07512 Property Records

Passaic County and Totowa Borough property record for 46 Raphael Rd, Totowa, NJ 07512

Property Summary

Property Type	Single Family Home
Details	2,616 sqft · built 1988
Lot Size	0.126 acres (5,502 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Jan 2020)
Tax Bill	$16,469 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-00082-0000-00022`

Property Details

APN / Parcel Number

Primary APN	`12-00082-0000-00022`
Alternative APNs	`120008200022` `00001577`

Interior

Stories	1 Story
Building Area	2,616 sqft Living Area
1st Floor Area	2,616 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	5,502 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	00001577
Street Address	46 RAPHAEL RD
City	TOTOWA
State	NJ
Zip	07512-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	82
Legal Lot Number	22
Jurisdiction	PASSAIC NJ
Township / Civil Division	TOTOWA
Census Block Group	4
Census Block	4004
Census Tract	223802

Owner

46 Raphael Rd is owned and occupied by two individuals who bought it in January 2020.

Source: Passaic County and Totowa Borough records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 RAPHAEL RD, TOTOWA, NJ 07512-2013
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on File
Deed Sale	Jan 8, 2020 · Amount on File
Prior Sale	Jul 31, 2014 · Amount on File
Deed Document Number	20201132
Deed Book / Page	3727 / 148
Prior Transfer Date	Jan 27, 2014
Prior Transfer Doc	0000031811
Record Updated	Sep 20, 2026

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Jan 8, 2020
Property Address	46 RAPHAEL RD, TOTOWA, NJ 07512-2013
Document Number	0000001132
Book / Page	D3727 / 0148
Instrument Date	Dec 18, 2019
Instrument	2020001132
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,939.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 SUNNYDALE LN, 6, MANCHESTER TOWNSHIP, NJ 08759-7336

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	46 RAPHAEL RD, TOTOWA, NJ 07512-2013

Mortgage

Document Number	0000001133
Date	Jan 8, 2020
Book Page	M15928/0041
Instrument	2020001133

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 46 Raphael Rd was $16,469, up 8.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$561,300 (-) Land $168,400 Building $392,900	$561,300 (-) Land $168,400 Building $392,900
2025	$16,469.00 (+8.23%)	$561,300 Land $168,400 Building $392,900	$561,300 Land $168,400 Building $392,900
2024	$15,217.00
2023		$561,300 Land $168,400 Building $392,900	$561,300 Land $168,400 Building $392,900
2022	$13,684.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Raphael Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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 Claims	4 (1983–1984)
Most Recent Claim	Apr 1984 · Coastal Storms & Flooding

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 46 Raphael Rd 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	None beyond ember reach

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	TOTOWA W DEPT serves 10,804 people · EPA ID NJ1612001
Water Source	Purchased surface water from PASSAIC VALLEY WATER COMMISSION
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 774 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
AT&T Fixed Wireless	100 / 20