Camden County and Waterford Township property record for 638 5th St, Atco, NJ 08004
| Property Type | Single Family Home |
|---|---|
| Details | 2,230 sqft · built 1974 |
| Lot Size | 0.459 acres (19,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Aug 2022) |
| Tax Bill | $8,919 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-02701-0000-00012 |
| Primary APN | 35-02701-0000-00012 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,230 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Frame |
| Lot Area | 19,998 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Old Parcel Number | 3500138000000019 |
|---|---|
| Street Address | 638 5TH ST |
| City | ATCO |
| State | NJ |
| Zip | 08004-1864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | TOWNSHIP/WATERFORD |
| Legal Block | 2701 |
| Legal Lot Number | 12 |
| Jurisdiction | CAMDEN NJ |
| Township / Civil Division | WATERFORD |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 608901 |
638 5th St is owned and occupied by two individuals who bought it in August 2022.
Source: Camden County and Waterford Township records, as of July 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 638 5TH ST, ATCO, NJ 08004-1864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed of Trust, Mortgage · Line of Credit POLICE AND FIRE FEDERAL CREDIT UNION |
| Aug 5, 2022 | Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2022 · Amount on File |
| Deed Sale | Aug 5, 2022 · Amount on File |
| Deed Document Number | 202274251 |
| Deed Book / Page | 12154 / 1610 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Recording Date | Jul 8, 2026 |
| Property Address | 638 5TH ST, ATCO, NJ 08004-1864 |
| Document Number | 0000042500 |
| Book / Page | 13127 / 751 |
| Instrument Date | May 20, 2026 |
| Instrument | 202642500 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 638 5TH ST, ATCO, NJ 08004-1864 |
| Document Number | 0000042500, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 13127/751 |
| Instrument | 202642500 |
| Name | POLICE AND FIRE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 27, 2046 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMDEN NJ |
| Recording Date | Aug 5, 2022 |
| Property Address | 638 5TH ST, ATCO, NJ 08004-1864 |
| Document Number | 0000074251 |
| Book / Page | 12154 / 1610 |
| Instrument Date | Jun 1, 2022 |
| Instrument | 2022074251 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,119.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 5TH ST, 638, ATCO, NJ 08004-1864 |
| Name | Verified Name |
|---|---|
| Address | 638 5TH ST, ATCO, NJ 08004-1864 |
| Document Number | 0121541616 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 12154/1616 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 638 5th St was $8,919, up 3.5% from the year before.
Source: Camden County and Waterford Township assessment roll, as of July 1, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Camden County |
| County Subdivision | Waterford Township |
| Unified School District | Waterford Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $195,600 (-) Land $45,000 Building $150,600 | $195,600 (-) Land $45,000 Building $150,600 | |
| 2025 | $8,919.00 (+3.49%) | $195,600 Land $45,000 Building $150,600 | $195,600 Land $45,000 Building $150,600 |
| 2024 | $8,618.00 | ||
| 2023 | $190,700 Land $45,000 Building $145,700 | $190,700 Land $45,000 Building $145,700 | |
| 2022 | $7,830.00 |
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 638 5th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 22, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 638 5th St is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 59% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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