Passaic County and Pompton Lakes Borough property record for 32 Spruce Rd, Pompton Lakes, NJ 07442
| Property Type | Single Family Home |
|---|---|
| Details | 1,768 sqft · built 1950 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $540,000 (Sep 2021) |
| Tax Bill | $13,612 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-07802-0000-00011 |
| Primary APN | 09-07802-0000-00011 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 1,768 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Frame |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 109 ft deep x 75 ft wide |
| Street Address | 32 SPRUCE RD |
|---|---|
| City | POMPTON LAKES |
| State | NJ |
| Zip | 07442-2323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Subdivision | PAMPTON GARDEN |
| Legal Block | 7802 |
| Legal Lot Number | 11 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | POMPTON LAKES |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 196401 |
32 Spruce Rd is owned and occupied by an individual who bought it in September 2021.
Source: Passaic County and Pompton Lakes Borough records, as of July 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32 SPRUCE RD, POMPTON LAKES, NJ 07442-2323 |
| 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 |
|---|---|
| Sep 16, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Mar 13, 2019 | Special Warranty Deed, Transfer · FHA Mortgage FIRST ALLIANCE HOME MORTGAGE LLC |
| Sep 17, 2018 | Deed of Trust, Mortgage REPUBLIC BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2021 · Amount on File |
| Deed Sale | Sep 16, 2021 · Amount on File |
| Prior Sale | Oct 4, 2018 |
| Deed Document Number | 202159052 |
| Deed Book / Page | 4132 / 221 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Sep 16, 2021 |
| Property Address | 32 SPRUCE RD, POMPTON LAKES, NJ 07442-2323 |
| Document Number | 0000059052 |
| Book / Page | D4132 / 221 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2021059052 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 419 RATZER RD, 419, WAYNE, NJ 07470-5403 |
| Name | Verified Name |
|---|---|
| Address | 32 SPRUCE RD, POMPTON LAKES, NJ 07442-2323 |
| Document Number | 0000059053 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021059053 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 32 SPRUCE RD, POMPTON LAKES, NJ 07442-2323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLEAR SKIES TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000021084 |
|---|---|
| Date | May 13, 2020 |
| Book Page | M16150/77 |
| Instrument | 2020021084 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Mar 13, 2019 |
| Property Address | 32 SPRUCE RD, POMPTON LAKES, NJ 07442-2323 |
| Document Number | 0000011015 |
| Book / Page | D3534 / 0071 |
| Map Reference | MAP 1232 |
| Instrument Date | Feb 26, 2019 |
| Instrument | 2019011015 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | CARNEGIE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 451 7TH ST SW, 451, WASHINGTON, DC 20410-0001 |
| Name | Verified Name |
|---|---|
| Address | 58 4TH ST, PASSAIC, NJ 07055-7405 |
| Document Number | 0000011016 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | M15435/0123 |
| Instrument | 2019011016 |
| Name | FIRST ALLIANCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CRANFORD, NJ 07016 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 32 SPRUCE RD, POMPTON LAKES, NJ 07442-2323 |
| Document Number | 0000043660 |
| Instrument Date | Sep 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 205 AUTUMN CT LITTLE FALLS NJ 07424, LITTLE FALLS, NJ 07424 |
| Document Number | 0000043660 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 015212/000123 |
| Instrument | 43660 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | PHILADELPHIA, PA 19102 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 23, 2048 |
The 2025 property tax bill for 32 Spruce Rd was $13,612, up 4.8% from the year before.
Source: Passaic County and Pompton Lakes Borough assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| Municipality | Pompton Lakes Borough |
| Unified School District | Pompton Lakes Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $329,500 (-) Land $118,800 Building $210,700 | $329,500 (-) Land $118,800 Building $210,700 | |
| 2025 | $13,612.00 (+4.77%) | $329,500 Land $118,800 Building $210,700 | $329,500 Land $118,800 Building $210,700 |
| 2024 | $12,992.00 | ||
| 2023 | $329,500 Land $118,800 Building $210,700 | $329,500 Land $118,800 Building $210,700 | |
| 2022 | $12,540.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Spruce Rd 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 May 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 78 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 78 in force |
| Nearby Flood Claims | 493 (1978–2024) |
| Claims Outside the SFHA | 62 of 493 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| 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 32 Spruce Rd 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 97% of the US · lower than 92% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POMPTON LAKES MUA serves 11,435 people · EPA ID NJ1609001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 27 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 343 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 |
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