Passaic County and Wayne Township property record for 46 Toms Lake Rd, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 3,875 sqft · built 2006 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $785,000 (May 2010) |
| Tax Bill | $23,680 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-02610-0000-00008 |
| Primary APN | 14-02610-0000-00008 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,875 sqft Living Area |
|---|
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Lot Area | 16,988 sqft (0.39 acres) |
| Old Parcel Number | 1400592B00005 |
|---|---|
| Street Address | 46 TOMS LAKE RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-5348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INCL BLK 261 LOTS 16 8 - 10 1 11 & 17 - 22 |
| Legal Block | 2610 |
| Legal Lot Number | 8 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 246201 |
46 Toms Lake Rd is owned and occupied by two individuals who bought it in May 2010.
Source: Passaic County and Wayne Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 TOMS LAKE RD, WAYNE, NJ 07470-5348 |
| 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 3, 2023 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 13, 2018 | Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2010 · Amount on File |
| Deed Sale | May 6, 2010 · Amount on File |
| Prior Sale | Dec 6, 2006 · Amount on File |
| Deed Document Number | 201020610 |
| Deed Book / Page | 1916 / 82 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 46 TOMS LAKE RD, WAYNE, NJ 07470-5348 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0000014558 |
|---|---|
| Date | May 3, 2023 |
| Book Page | M18469/166 |
| Instrument | 2023014558 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | May 1, 2025 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 46 TOMS LAKE RD, WAYNE, NJ 07470-5348 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0000016764 |
|---|---|
| Date | Apr 13, 2018 |
| Book Page | M14978/0019 |
| Instrument | 2018016764 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | May 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
The 2025 property tax bill for 46 Toms Lake Rd was $23,680, 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 | $394,800 (-) Land $92,200 Building $302,600 | $394,800 (-) Land $92,200 Building $302,600 | |
| 2025 | $23,680.00 (+0.88%) | $394,800 Land $92,200 Building $302,600 | $394,800 Land $92,200 Building $302,600 |
| 2024 | $23,474.00 | ||
| 2023 | $394,800 Land $92,200 Building $302,600 | $394,800 Land $92,200 Building $302,600 | |
| 2022 | $22,321.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Toms Lake Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2007.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (2007–2011) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 46 Toms Lake 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 98% of the US · lower than 94% 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 261 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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