864 Ratzer Rd, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 864 Ratzer Rd, Wayne, NJ 07470

Property Summary

Property Type	Single Family Home
Details	2,608 sqft · built 1968
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$247,200 (Jul 2011)
Tax Bill	$8,181 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-02208-0000-00010`

Property Details

APN / Parcel Number

Primary APN	`14-02208-0000-00010`
Alternative APNs	`1400487B00024` `140220800010`

Interior

Building Area	2,608 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Colonial
Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Old Parcel Number	1400487B00024
Street Address	864 RATZER RD
City	WAYNE
State	NJ
Zip	07470-3732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2208
Legal Lot Number	10
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	4
Census Block	4008
Census Tract	246103

Owner

864 Ratzer Rd is owned and occupied by two individuals who acquired it in September 2020.

Source: Passaic County and Wayne Township records, as of August 19, 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	864 RATZER RD, WAYNE, NJ 07470-3732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Sep 24, 2020	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Apr 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage KEARNY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2011 · Amount on File
Deed Sale	Jul 5, 2011 · Amount on File
Prior Sale	Feb 13, 2009 · Amount on File
Deed Document Number	201128901
Deed Book / Page	2067 / 99
Last Transfer Date	Sep 21, 2020
Transfer Doc	0000047571
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Recording Date	Jul 28, 2026
Property Address	864 RATZER RD, WAYNE, NJ 07470-3732
Document Number	0000025874
Book / Page	20056 / 163
Instrument Date	Jul 22, 2026
Instrument	202625874
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	TITLE ESCROW, SILK TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	864 RATZER RD, WAYNE, NJ 07470-3732

Mortgage

Document Number	0000025874,
Date	Jul 28, 2026
Book Page	20056/163
Instrument	202625874

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	864 RATZER RD, WAYNE, NJ 07470-3732
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	864 RATZER RD, WAYNE, NJ 07470-3732

Mortgage

Document Number	0000036867
Date	Jun 2, 2021
Book Page	M17173/130
Instrument	2021036867

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 17, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	864 RATZER RD, WAYNE, NJ 07470-3732
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010912
Date	Feb 12, 2021
Book Page	M16842/79
Instrument	2021010912

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PASSAIC NJ
Recording Date	Sep 24, 2020
Property Address	864 RATZER RD, WAYNE, NJ 07470-3732
Document Number	0000047571
Book / Page	003872 / 000020
Instrument Date	Sep 21, 2020
Instrument	47571
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	864 RATZER RD WAYNE NJ 074703732, WAYNE, NJ 07470-3732

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PASSAIC NJ
Recording Date	Apr 14, 2020
Property Address	864 RATZER RD, WAYNE, NJ 07470-3732
Document Number	0000017327
Book / Page	D3784 / 55
Instrument Date	Jan 13, 2020
Instrument	2020017327
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	MAX TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	864 RATZER RD, WAYNE, NJ 07470-3732

Mortgage

Document Number	0000017328
Date	Apr 14, 2020
Instrument	2020017328

Lender

Name	KEARNY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 864 Ratzer Rd was $8,181, up 0.9% from the year before.

Source: Passaic County and Wayne Township assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
County Subdivision	Wayne Township
Unified School District	Wayne Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,400 (-) Land $90,200 Building $46,200	$136,400 (-) Land $90,200 Building $46,200
2025	$8,181.00 (+0.88%)	$136,400 Land $90,200 Building $46,200	$136,400 Land $90,200 Building $46,200
2024	$8,110.00
2023		$136,400 Land $90,200 Building $46,200	$136,400 Land $90,200 Building $46,200
2022	$7,712.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 864 Ratzer Rd in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 864 Ratzer 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 97% of the US · lower than 92% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 226 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

May also be available: AT&T, T-Mobile.

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