10 Spruce St, Tenafly, NJ 07670 Property Records

Bergen County and Tenafly Borough property record for 10 Spruce St, Tenafly, NJ 07670

Property Summary

Property Type	Single Family Home
Details	1,780 sqft · built 1934
Lot Size	0.135 acres (5,889 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Sep 2021)
Tax Bill	$13,937 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`61-00109-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`61-00109-0000-00013`
Alternative APNs	`6100078000000014` `610010900013`

Interior

Stories	2 Stories
Building Area	1,780 sqft Living Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Exterior Material	Aluminum/Vinyl
Lot Area	5,889 sqft (0.135 acres)
Lot Dimensions	137 ft deep x 43 ft wide

Location & Zoning

Old Parcel Number	6100078000000014
Street Address	10 SPRUCE ST
City	TENAFLY
State	NJ
Zip	07670-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R9
Legal Description	43X137
Legal Block	109
Legal Lot Number	13
Jurisdiction	BERGEN NJ
Township / Civil Division	TENAFLY
Census Block Group	3
Census Block	3002
Census Tract	55202

Owner

10 Spruce St is owned and occupied by two individuals who bought it in September 2021.

Source: Bergen County and Tenafly Borough records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 SPRUCE ST, TENAFLY, NJ 07670-1520
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Deed Document Number	2021140555
Deed Book / Page	4361 / 776
Record Updated	Oct 29, 2026

September 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 7, 2021
Property Address	10 SPRUCE ST, TENAFLY, NJ 07670-1520
Document Number	0043610776
Book / Page	4361 / 776
Instrument Date	Aug 5, 2021
Instrument	2021140555
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATS TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 TWIN PENINSULA AVE, 91, WAKEFIELD, RI 02879-6714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SPRUCE ST, TENAFLY, NJ 07670-1520

Mortgage

Document Number	2021140556
Date	Sep 7, 2021
Instrument	2021140556

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10 Spruce St was $13,937, up 4.6% from the year before.

Source: Bergen County and Tenafly Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Tenafly Borough
Unified School District	Tenafly Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$468,800 (-) Land $279,400 Building $189,400	$468,800 (-) Land $279,400 Building $189,400
2025	$13,937.00 (+4.65%)	$468,800 Land $279,400 Building $189,400	$468,800 Land $279,400 Building $189,400
2024	$13,318.00
2023		$468,800 Land $279,400 Building $189,400	$468,800 Land $279,400 Building $189,400
2022	$12,681.00

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

Flood

FEMA maps place 10 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 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
Nearby Flood Policies	2 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 10 Spruce St 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 99.1% of the US · lower than 97.3% 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	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Jan 2021
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 618 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	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20