28 Spruce Ter, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 28 Spruce Ter, Wayne, NJ 07470 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,428 sqft · built 1950
Lot Size	0.268 acres (11,674 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Nov 2014)
Tax Bill	$11,006 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-01706-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`14-01706-0000-00015`
Alternative APNs	`1400515000000028` `140170600015`

Interior

Building Area	1,428 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Lot Area	11,674 sqft (0.268 acres)

Location & Zoning

Old Parcel Number	1400515000000028
Street Address	28 SPRUCE TER
City	WAYNE
State	NJ
Zip	07470-4352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1706
Legal Lot Number	15
Jurisdiction	PASSAIC NJ
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2007
Census Tract	246202

Owner

Source: Passaic County and Wayne Township records · APN 14-01706-0000-00015

Assessment roll updated July 8, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	28 SPRUCE TER, WAYNE, NJ 07470-4352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 06, 2014 · Amount on Record
Deed Sale	Nov 06, 2014 · Amount on Record
Prior Sale	Aug 09, 2012 · Amount on Record
Deed Document Number	201447970
Deed Book / Page	2545 / 159
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	28 SPRUCE TER, WAYNE, NJ 07470-4352
Transaction Type	Mortgage
Record Updated	Nov 03, 2025
Title Company	UNKNOWN, BCHH TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036196
Date	May 28, 2021
Book Page	M17164/149
Instrument	2021036196

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Passaic County and Wayne Township records · Assessment roll updated July 8, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$183,500 (-) Land $105,000 Building $78,500	$183,500 (-) Land $105,000 Building $78,500
2025	$11,006.00 (+0.88%)	$183,500 (-) Land $105,000 Building $78,500	$183,500 (-) Land $105,000 Building $78,500
2024	$10,910.00 (+5.16%)
2023		$183,500 Land $105,000 Building $78,500	$183,500 Land $105,000 Building $78,500
2022	$10,375.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Passaic County (34031C), updated May 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340312462022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Nearby Flood Claims	15 (1980–2021)
Most Recent Claim	Sep 2021, rainfall accumulation, Remnants Of Hurricane Ida
Flood Events	Hurricane Irene (Aug 2011), 2 claims Severe Storms And Flooding (Mar 2010), 3 claims Hurricane Floyd Major Disaster Declarations (Sep 1999), 2 claims

Wildfire

Wildfire Risk	Low above 5% of the US · above 14% of New Jersey
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.