Passaic County and Wayne Township property record for 631 Ratzer Rd, Wayne, NJ 07470 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Architecture Style | Colonial |
| Year Built | Built 1994 |
| Square Footage | 3,612 sqft Living Area |
| Lot Size | 24,699 sqft (0.567 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $865,000 (2022) |
| Tax Bill | $18,516.00 (2025) |
Source: Passaic County and Wayne Township records · APN 14-02329-0000-00014
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 | Individual Name on File |
|---|---|
| Mailing Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · Stand Alone Second Mortgage DISCOVER BANK |
| Apr 19, 2022 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 15, 2017 | Deed of Trust, Mortgage · Line of Credit VALLEY NATIONAL BANK |
| Jul 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Jun 12, 2018 | Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 19, 2022 · Amount on Record |
| Deed Sale | Apr 19, 2022 · Amount on Record |
| Prior Sale | Jun 12, 2018 · Amount on Record |
| Deed Doc Number | 202221655 |
| Deed Book / Page | 4290 / 270 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000030691 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | M18641/268 |
| Instrument | 2023030691 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Apr 19, 2022 |
| Property Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Document Number | 0000021655 |
| Book / Page | D4290 / 270 |
| Instrument Date | Apr 07, 2022 |
| Instrument | 2022021655 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,027.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2900 1ST AVE # AVEN101, AVEN101, SEATTLE, WA 98121-1030 |
| Name | Verified Name |
|---|---|
| Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Document Number | 0000021656 |
|---|---|
| Date | Apr 19, 2022 |
| Instrument | 2022021656 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000060886 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 2017060886 |
| Name | VALLEY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE AUTHORITY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000031953 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | M16276/115 |
| Instrument | 2020031953 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Jun 12, 2018 |
| Property Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
| Document Number | 0000025923 |
| Book / Page | D3328 / 0076 |
| Instrument Date | May 31, 2018 |
| Instrument | 2018025923 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 631 RATZER RD, 631, WAYNE, NJ 07470-4154 |
| Name | Verified Name |
|---|---|
| Address | 631 RATZER RD, WAYNE, NJ 07470-4154 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,700 (-) Land $102,800 Building $205,900 | $308,700 (-) Land $102,800 Building $205,900 | |
| 2025 | $18,516.00 (+0.88%) | $308,700 (-) Land $102,800 Building $205,900 | $308,700 (-) Land $102,800 Building $205,900 |
| 2024 | $18,355.00 (+5.17%) | ||
| 2023 | $308,700 Land $102,800 Building $205,900 | $308,700 Land $102,800 Building $205,900 | |
| 2022 | $17,453.00 |
Source: FEMA National Flood Hazard Layer, Passaic County (34031C), updated May 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 2% of the US · above 6% of New Jersey |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 14-02329-0000-00014 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,612 sqft Living Area |
|---|
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial Style |
| Lot Area | 24,699 sqft (0.567 acres) |
| Old Parcel Number | 1400594000000016 |
|---|---|
| Street Address | 631 RATZER RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-4154 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 2329 |
| Legal Lot Number | 14 |
| Jurisdiction | PASSAIC NJ |
| Minor Civil Division | WAYNE |
| Census Blockgroup | 3 |
| Census Block | 3001 |
| Census Tract | 246201 |
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