Bergen County and Fairview Borough property record for 20 Spruce St, Fairview, NJ 07022
| Property Type | Single Family Home |
|---|---|
| Details | 1,664 sqft · built 1955 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Feb 2020) |
| Tax Bill | $11,341 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Feb 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 18-00702-0000-00005 |
| Primary APN | 18-00702-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 1,664 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 162 ft deep x 50 ft wide |
| Old Parcel Number | 1800082000000183 |
|---|---|
| Street Address | 20 SPRUCE ST |
| City | FAIRVIEW |
| State | NJ |
| Zip | 07022-1017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 50X162 |
| Legal Subdivision | FAIR VIEW HOMES |
| Legal Block | 702 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FAIRVIEW |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 18200 |
20 Spruce St is owned and occupied by an individual who bought it in February 2020.
Source: Bergen County and Fairview Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 SPRUCE ST, FAIRVIEW, NJ 07022-1017 |
| 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.
| Date | Document |
|---|---|
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK |
| Feb 27, 2020 | Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Jan 30, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2020 · Amount on File |
| Deed Sale | Feb 27, 2020 · Amount on File |
| Deed Document Number | 202023084 |
| Deed Book / Page | 3520 / 1957 |
| Prior Transfer Date | Jan 4, 2017 |
| Prior Transfer Doc | 0025192294 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 20 SPRUCE ST, FAIRVIEW, NJ 07022-1017 |
| Document Number | 0035201963 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2020 |
| Title Company | SUNNYSIDE TITLE AGENCY, SUNNYSIDE TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 SPRUCE ST FAIRVIEW NJ 070221017, FAIRVIEW, NJ 07022-1017 |
| Document Number | 0035201963 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 003520/001963 |
| Instrument | 20023085 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 27, 2020 |
| Property Address | 20 SPRUCE ST, FAIRVIEW, NJ 07022-1017 |
| Document Number | 0035201957 |
| Book / Page | 3520 / 1957 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 2020023084 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | WESTCORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 SPRUE ST, FAIRVIEW, NJ 07022-1017 |
| Document Number | 2020023085 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 2020023085 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 30, 2017 |
| Property Address | 20 SPRUCE ST, FAIRVIEW, NJ 07022-1017 |
| Document Number | 0025192294 |
| Book / Page | 002519 / 002294 |
| Instrument Date | Jan 4, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 20 SPRUCE ST FAIRVIEW NJ 070221017, FAIRVIEW, NJ 07022-1017 |
The 2025 property tax bill for 20 Spruce St was $11,341, up 2% from the year before.
Source: Bergen County and Fairview Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Fairview Borough |
| Unified School District | Fairview Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $530,100 (+6.34%) Land $307,900 Building $222,200 | $530,100 (+6.34%) Land $307,900 Building $222,200 | |
| 2025 | $11,341.00 (+2.02%) | $498,500 Land $297,900 Building $200,600 | $498,500 Land $297,900 Building $200,600 |
| 2024 | $11,116.00 | ||
| 2023 | $464,100 Land $275,400 Building $188,700 | $464,100 Land $275,400 Building $188,700 | |
| 2022 | $10,274.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Spruce St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 20 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 759 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 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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