Passaic County and Wayne Township property record for 651 Ratzer Rd, Wayne, NJ 07470
| Property Type | Single Family Home |
|---|---|
| Details | 2,112 sqft · built 1965 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Dec 2007) |
| Tax Bill | $14,659 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Sep 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-02329-0000-00011 |
| Primary APN | 14-02329-0000-00011 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,112 sqft Living Area |
|---|
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Lot Area | 50,094 sqft |
| Old Parcel Number | 1400594000000018B |
|---|---|
| Street Address | 651 RATZER RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-4154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2329 |
| Legal Lot Number | 11 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 246201 |
Source: Passaic County and Wayne Township records · APN 14-02329-0000-00011
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 | 651 RATZER RD, WAYNE, NJ 07470-4154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2023 | Deed of Trust, Mortgage · Line of Credit LAKELAND BANK |
| Sep 06, 2022 | Deed of Trust, Mortgage · Line of Credit LAKELAND BANK |
| Feb 12, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage COLUMBIA BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 14, 2007 · Amount on Record |
| Deed Sale | Dec 14, 2007 · Amount on Record |
| Deed Document Number | 200790887 |
| Deed Book / Page | 1543 / 116 |
| Last Transfer Date | Feb 07, 2020 |
| Transfer Doc | 0000008605 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 651 RATZER RD, WAYNE, NJ 07470-4154 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | SEARCHTEC INC |
| Name | Verified Name |
|---|
| Document Number | 0000033604 |
|---|---|
| Date | Oct 18, 2023 |
| Book Page | M18673/225 |
| Instrument | 2023033604 |
| Name | LAKELAND BANK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 651 RATZER RD, WAYNE, NJ 07470-4154 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | SEARCHTEC INC |
| Name | Verified Name |
|---|
| Document Number | 0000043443 |
|---|---|
| Date | Sep 06, 2022 |
| Book Page | M18168/111 |
| Instrument | 2022043443 |
| Name | LAKELAND BANK |
|---|---|
| Type | Bank |
| Address | OAK RIDGE, NJ 07438 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 03, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Feb 12, 2020 |
| Property Address | 651 RATZER RD, WAYNE, NJ 07470-4154 |
| Document Number | 0000008605 |
| Book / Page | D3754 / 117 |
| Instrument Date | Feb 07, 2020 |
| Instrument | 2020008605 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2021 |
| Title Company | FIRST JERSEY TITLE SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 RATZER RD, WAYNE, NJ 07470-4154 |
| Document Number | 0000008606 |
|---|---|
| Date | Feb 12, 2020 |
| Instrument | 2020008606 |
| Name | COLUMBIA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2035 |
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 | $244,400 (-) Land $125,100 Building $119,300 | $244,400 (-) Land $125,100 Building $119,300 | |
| 2025 | $14,659.00 (+0.87%) | $244,400 (-) Land $125,100 Building $119,300 | $244,400 (-) Land $125,100 Building $119,300 |
| 2024 | $14,532.00 (+5.17%) | ||
| 2023 | $244,400 Land $125,100 Building $119,300 | $244,400 Land $125,100 Building $119,300 | |
| 2022 | $13,818.00 |
Source: FEMA National Flood Hazard Layer, Passaic County (34031C), updated May 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340312462013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 226 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: AT&T, T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOWNSHIP OF WAYNE serves 55,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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