Passaic County and Wayne Township property record for 31 Spruce Ter, Wayne, NJ 07470 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,292 sqft · built 1945 |
| Lot Size | 0.252 acres (10,977 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Apr 2021) |
| Tax Bill | $10,664 (2025) |
| Deeds & Mortgages | Jun 2024 Line of Credit Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-01707-0000-00006 |
| Primary APN | 14-01707-0000-00006 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,292 sqft Living Area |
|---|
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Colonial |
| Lot Area | 10,977 sqft (0.252 acres) |
| Old Parcel Number | 1400516000000011 |
|---|---|
| Street Address | 31 SPRUCE TER |
| City | WAYNE |
| State | NJ |
| Zip | 07470-4350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WAYNE |
| Legal Block | 1707 |
| Legal Lot Number | 6 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 246202 |
Source: Passaic County and Wayne Township records · APN 14-01707-0000-00006
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 | Individual Name on File |
|---|---|
| Mailing Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 05, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 06, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 14, 2018 | Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 06, 2021 · Amount on Record |
| Deed Sale | Apr 06, 2021 · Amount on Record |
| Prior Sale | Aug 14, 2018 · Amount on Record |
| Deed Document Number | 202123596 |
| Deed Book / Page | 4007 / 175 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Document Number | 0000017845 |
|---|---|
| Date | Jun 05, 2024 |
| Book Page | M18935/21 |
| Instrument | 2024017845 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 13, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Apr 06, 2021 |
| Property Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Document Number | 0000023596 |
| Book / Page | D4007 / 175 |
| Instrument Date | Apr 02, 2021 |
| Instrument | 2021023596 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | CLEAR SKIES TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,662.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Name | Verified Name |
|---|---|
| Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Document Number | 0000023597 |
|---|---|
| Date | Apr 06, 2021 |
| Instrument | 2021023597 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Aug 14, 2018 |
| Property Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Document Number | 0000036965 |
| Book / Page | D3379 / 0258 |
| Map Reference | MAP2395 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 2018036965 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2021 |
| Title Company | ALL AHEAD TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 SPRUCE TER, 31, WAYNE, NJ 07470-4350 |
| Name | Verified Name |
|---|---|
| Address | 31 SPRUCE TER, WAYNE, NJ 07470-4350 |
| Document Number | 0000036966 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | M15152/0135 |
| Instrument | 2018036966 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2048 |
Source: Passaic County and Wayne Township records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| County Subdivision | Wayne Township |
| Unified School District | Wayne Township School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $177,800 (-) Land $104,600 Building $73,200 | $177,800 (-) Land $104,600 Building $73,200 | |
| 2025 | $10,664.00 (+0.88%) | $177,800 (-) Land $104,600 Building $73,200 | $177,800 (-) Land $104,600 Building $73,200 |
| 2024 | $10,571.00 (+5.16%) | ||
| 2023 | $177,800 Land $104,600 Building $73,200 | $177,800 Land $104,600 Building $73,200 | |
| 2022 | $10,052.00 |
Source: FEMA National Flood Hazard Layer, Passaic County (34031C), updated May 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
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