10 Spruce St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 10 Spruce St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,272 sqft · built 1850
Lot Size	0.064 acres (2,805 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jun 2020)
Tax Bill	$10,303 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00272-0000-00032`

Property Details

APN / Parcel Number

Primary APN	`02-00272-0000-00032`
Alternative APNs	`020027200032` `BHD`

Interior

Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Lot Area	2,805 sqft (0.064 acres)
Lot Dimensions	85 ft deep x 33 ft wide

Location & Zoning

Account Number	BHD
Street Address	10 SPRUCE ST
City	BLOOMFIELD
State	NJ
Zip	07003-3410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	33 X 85
Legal Block	272
Legal Lot Number	32
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	4
Census Block	4011
Census Tract	15400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bloomfield Green Historic District listed 1978 · 181 contributing resources · NRIS 78001757

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Essex County and Bloomfield Township records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10 SPRUCE ST, BLOOMFIELD, NJ 07003-3410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Jun 4, 2020	Grant Deed, Transfer · FHA Mortgage REAL EST MTG NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2020 · Amount on Record
Deed Sale	Jun 4, 2020 · Amount on Record
Prior Sale	Jan 20, 2012 · Amount on Record
Deed Document Number	202052782
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	10 SPRUCE ST, BLOOMFIELD, NJ 07003-3410
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SIMPLICITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043755
Date	Apr 9, 2021
Instrument	2021043755

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 4, 2020
Property Address	10 SPRUCE ST, BLOOMFIELD, NJ 07003-3410
Document Number	0000052782
Instrument Date	Apr 27, 2020
Instrument	52782
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	MCT TITLE SERVICES LLC, SCOTT TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SPRUCE ST BLOOMFIELD NJ 070033410, BLOOMFIELD, NJ 07003-3410

Mortgage

Document Number	52783
Date	Jun 4, 2020
Instrument	52783

Lender

Name	REAL EST MTG NTWK
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

Tax Assessment & Valuation

Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$295,300 (-) Land $110,400 Building $184,900	$295,300 (-) Land $110,400 Building $184,900
2025	$10,303.00 (+2.87%)	$295,300 (-) Land $110,400 Building $184,900	$295,300 (-) Land $110,400 Building $184,900
2024	$10,016.00 (+5.93%)
2023		$295,300 Land $110,400 Building $184,900	$295,300 Land $110,400 Building $184,900
2022	$9,455.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	25 (1978–2021)
Claims Outside the SFHA	13 of 25
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 claims

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

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

Wildfire Risk	Not rated no burnable land within 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	BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Last State Inspection	Sep 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jul 2022 Lead service line replacement Jan 2022
Monitoring and Reporting	5 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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