Middlesex County and South Brunswick Township property record for 3 Spruce Ln, Princeton, NJ 08540
| Property Type | Single Family Home |
|---|---|
| Details | 2,028 sqft · built 1973 |
| Lot Size | 0.467 acres (20,351 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $589,900 (Oct 2021) |
| Tax Bill | $13,191 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-00097-14-00002 |
| Primary APN | 21-00097-14-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 2,028 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Lot Area | 20,351 sqft (0.467 acres) |
| Lot Dimensions | 185 ft deep x 110 ft wide |
| Old Parcel Number | 2100097N00002 |
|---|---|
| Street Address | 3 SPRUCE LN |
| City | PRINCETON |
| State | NJ |
| Zip | 08540-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 110X185 |
| Legal Subdivision | KINGSTON CORP |
| Legal Block | 97.14 |
| Legal Lot Number | 2 |
| Jurisdiction | MIDDLESEX NJ |
| Township / Civil Division | SOUTH BRUNSWICK |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 8504 |
3 Spruce Ln is owned and occupied by two individuals who bought it in October 2021.
Source: Middlesex County and South Brunswick Township records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 SPRUCE LN, PRINCETON, NJ 08540-9585 |
| 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 |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 21, 2021 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on File |
| Deed Sale | Oct 21, 2021 · Amount on File |
| Prior Sale | Jun 12, 2015 · Amount on File |
| Deed Document Number | 2021133008 |
| Deed Book / Page | 18683 / 507 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Property Address | 3 SPRUCE LN, PRINCETON, NJ 08540-9585 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000030284 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 19217/528 |
| Instrument | 2023030284 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MIDDLESEX NJ |
| Recording Date | Oct 21, 2021 |
| Property Address | 3 SPRUCE LN, PRINCETON, NJ 08540-9585 |
| Document Number | 0000133008 |
| Book / Page | 18683 / 507 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 2021133008 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,079.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 5 ROANOKE RD, BELLE MEAD, NJ 08502-5824 |
| Name | Verified Name |
|---|---|
| Address | 3 SPRUCE LN, PRINCETON, NJ 08540-9585 |
| Investor | Possibly a Property Investor |
| Document Number | 0000133009 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021133009 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 3 Spruce Ln was $13,191, up 4.2% from the year before.
Source: Middlesex County and South Brunswick Township assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Middlesex County |
| County Subdivision | South Brunswick Township |
| Unified School District | South Brunswick Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $231,100 (-) Land $111,000 Building $120,100 | $231,100 (-) Land $111,000 Building $120,100 | |
| 2025 | $13,191.00 (+4.2%) | $231,100 Land $111,000 Building $120,100 | $231,100 Land $111,000 Building $120,100 |
| 2024 | $12,659.00 | ||
| 2023 | $231,100 Land $111,000 Building $120,100 | $231,100 Land $111,000 Building $120,100 | |
| 2022 | $11,816.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3 Spruce Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 8 (2007–2021) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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.
Wildfire risk around 3 Spruce Ln is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SOUTH BRUNSWICK TWP W DI serves 45,450 people · EPA ID NJ1221004 |
|---|---|
| Water Source | Purchased surface water from NJ AMERICAN WATER - RARITAN |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2022 |
| Monitoring and Reporting | 6 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 138 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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