Passaic County and Wayne Township property record for 721 Ratzer Rd, Wayne, NJ 07470 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2,004 sqft · built 1964 |
| Lot Size | 0.631 acres (27,486 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $622,000 (Sep 2023) |
| Tax Bill | $12,506 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-02329-0000-00006 |
| Primary APN | 14-02329-0000-00006 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,004 sqft Living Area |
|---|
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Bi-Level |
| Lot Area | 27,486 sqft (0.631 acres) |
| Old Parcel Number | 1400594000000021 |
|---|---|
| Street Address | 721 RATZER RD |
| City | WAYNE |
| State | NJ |
| Zip | 07470-4155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TOWNSHIP/WAYNE |
| Legal Block | 2329 |
| Legal Lot Number | 6 |
| 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 14-02329-0000-00006
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 | 721 RATZER RD, WAYNE, NJ 07470-4155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CITADEL SERVICING CORPORATION |
| Sep 07, 2023 | Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2023 · Amount on Record |
| Deed Sale | Sep 07, 2023 · Amount on Record |
| Prior Sale | Aug 19, 2004 · Amount on Record |
| Deed Document Number | 202328725 |
| Deed Book / Page | 4583 / 87 |
| Prior Transfer Date | May 14, 1999 |
| Prior Transfer Doc | 0000060244 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 721 RATZER RD, WAYNE, NJ 07470-4155 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | NU WORLD TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 721 RATZER RD, WAYNE, NJ 07470-4155 |
| Document Number | 0000015789 |
|---|---|
| Date | May 12, 2025 |
| Book Page | M19379/238 |
| Instrument | 2025015789 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Sep 07, 2023 |
| Property Address | 721 RATZER RD, WAYNE, NJ 07470-4155 |
| Document Number | 0000028725 |
| Book / Page | D4583 / 87 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 2023028725 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | HERITAGE ABSTRACT COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 TRAVELER WAY, BYRAM TOWNSHIP, NJ 07821 |
| Name | Verified Name |
|---|---|
| Address | 721 RATZER RD, WAYNE, NJ 07470-4155 |
| Document Number | 0000028726 |
|---|---|
| Date | Sep 07, 2023 |
| Instrument | 2023028726 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2053 |
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 | $208,500 (-) Land $100,000 Building $108,500 | $208,500 (-) Land $100,000 Building $108,500 | |
| 2025 | $12,506.00 (+0.88%) | $208,500 (-) Land $100,000 Building $108,500 | $208,500 (-) Land $100,000 Building $108,500 |
| 2024 | $12,397.00 (+5.17%) | ||
| 2023 | $208,500 (-) Land $100,000 Building $108,500 | $208,500 (-) Land $100,000 Building $108,500 | |
| 2022 | $11,788.00 (+0.1%) | $208,500 Land $100,000 Building $108,500 | $208,500 Land $100,000 Building $108,500 |
| 2021 | $11,776.00 |
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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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, rainfall accumulation, Hurricane Irene |
| Claims By Storm |
|
| Wildfire Risk | Low above 4% of the US · above 10% 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; 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 · Published October 2026 · based on 226 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Optimum Communications | Fiber | 8,000 / 8,000 |
| Verizon | Fiber | 980 / 880 |
| Optimum Communications | Cable | 940 / 35 |
May also be available at this address: T-Mobile USA, AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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