1 Spruce Ter, Mount Arlington, NJ 07856 Property Records

Morris County and Mount Arlington Borough property record for 1 Spruce Ter, Mount Arlington, NJ 07856

Property Summary

Property Type	Single Family Home
Details	1,540 sqft · built 1999
Lot Size	0.026 acres (1,115 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Nov 2022)
Tax Bill	$7,934 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Aug 2019 Mortgage
APN	`26-00061-0000-00023-10-C4501`

Property Details

APN / Parcel Number

Primary APN	`26-00061-0000-00023-10-C4501`
Alternative APN	`26000610000000230010 C4501`

Interior

Building Area	1,540 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	1,115 sqft (0.026 acres)

Location & Zoning

Street Address	1 SPRUCE TER
City	MOUNT ARLINGTON
State	NJ
Zip	07856-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CHESAPEAKE TOWNHOME PHASE 10 SECTION 2 BLDG 45 UNIT 4501
Legal Subdivision	SEASONS GLEN/MOUNT ARLINGTON
Legal Block	61
Legal Lot Number	23.10
Jurisdiction	MORRIS NJ
Township / Civil Division	MOUNT ARLINGTON
Census Block Group	2
Census Block	2013
Census Tract	45403

Owner

1 Spruce Ter is owned and occupied by two individuals who bought it in November 2022.

Source: Morris County and Mount Arlington Borough records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 SPRUCE TER, MOUNT ARLINGTON, NJ 07856-2307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Sep 8, 2015 · Amount on File
Deed Document Number	202272440
Deed Book / Page	24524 / 1409
Record Updated	Oct 29, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MORRIS NJ
Recording Date	Nov 7, 2022
Property Address	1 SPRUCE TER, MOUNT ARLINGTON, NJ 07856-2307
Document Number	0245241409
Book / Page	24524 / 1409
Instrument Date	Sep 26, 2022
Instrument	2022072440
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,516.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 LANCE ST, 118, MOUNT HOLLY, NC 28120-1124

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 SPRUCE TER, MOUNT ARLINGTON, NJ 07856-2307

Mortgage

Document Number	2022072441
Date	Nov 7, 2022
Instrument	2022072441

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORRIS NJ
Property Address	1 SPRUCE TER, MOUNT ARLINGTON, NJ 07856-2307
Document Number	0235960761
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1 SPRUCE TER MOUNT ARLINGTON NJ 078562307, MOUNT ARLINGTON, NJ 07856-2307

Mortgage

Document Number	0235960761
Date	Aug 21, 2019
Book Page	023596/000761
Instrument	44948

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Morris County and Mount Arlington Borough assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Morris County
Municipality	Mount Arlington Borough
Unified School District	Mount Arlington Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$389,700 (-) Land $120,000 Building $269,700	$389,700 (-) Land $120,000 Building $269,700
2025		$389,700 Land $120,000 Building $269,700	$389,700 Land $120,000 Building $269,700
2024	$7,934.00
2023		$389,700 Land $120,000 Building $269,700	$389,700 Land $120,000 Building $269,700
2022	$7,639.00

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

Flood

FEMA has no flood map on file for 1 Spruce Ter; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 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 1 Spruce Ter is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 65% of New Jersey
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	MOUNT ARLINGTON BORO DPW MAIN private · serves 1,978 people · EPA ID NJ1426005
Water Source	Purchased groundwater from several systems
Last State Inspection	Jan 2026
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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