Monmouth County and Fair Haven Borough property record for 38 Spruce Dr, Fair Haven, NJ 07704
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,354 sqft · built 1950 |
| Lot Size | 0.299 acres (13,034 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $835,000 (Jul 2020) |
| Tax Bill | $26,853 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-00070-0000-00009 |
| Primary APN | 14-00070-0000-00009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,354 sqft Living Area |
| 1st Floor Area | 3,354 sqft |
| Upper Floors Area | 1,654 sqft |
| Basement Area | 1,700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 13,034 sqft (0.299 acres) |
| Lot Dimensions | 133 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 38 SPRUCE DR |
|---|---|
| City | FAIR HAVEN |
| State | NJ |
| Zip | 07704-3616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Block | 70 |
| Legal Lot Number | 9 |
| Jurisdiction | MONMOUTH NJ |
| Township / Civil Division | FAIR HAVEN |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 803700 |
38 Spruce Dr is owned and occupied by two individuals who acquired it in October 2020.
Source: Monmouth County and Fair Haven Borough records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 SPRUCE DR, FAIR HAVEN, NJ 07704-3616 |
| 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 |
|---|---|
| Nov 5, 2020 | Quit Claim Deed, Transfer SANTANDER BK NA |
| Jul 21, 2020 | Grant Deed, Transfer · Conventional Mortgage SANTANDER BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2020 · Amount on File |
| Deed Sale | Jul 21, 2020 · Amount on File |
| Deed Document Number | 202078091 |
| Deed Book / Page | 9428 / 1591 |
| Last Transfer Date | Oct 23, 2020 |
| Transfer Doc | 0094548756 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Nov 5, 2020 |
| Property Address | 38 SPRUCE DR, FAIR HAVEN, NJ 07704-3616 |
| Document Number | 0000130597 |
| Book / Page | 009454 / 000007 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 130597 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | PURE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38 SPRUCE DR FAIR HAVEN NJ 077043616, FAIR HAVEN, NJ 07704-3616 |
| Document Number | 130598 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 009454/008856 |
| Instrument | 130598 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 4, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONMOUTH NJ |
| Recording Date | Jul 21, 2020 |
| Property Address | 38 SPRUCE DR, FAIR HAVEN, NJ 07704-3616 |
| Document Number | 0000078091 |
| Book / Page | 009428 / 001591 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 78091 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2020 |
| Title Company | PURE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $835.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 SPRUCE DR FAIR HAVEN NJ 077043616, FAIR HAVEN, NJ 07704-3616 |
| Document Number | 78092 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 009428/001598 |
| Instrument | 78092 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
The 2025 property tax bill for 38 Spruce Dr was $26,853, up 4.9% from the year before.
Source: Monmouth County and Fair Haven Borough assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Monmouth County |
| Municipality | Fair Haven Borough |
| Elementary School District | Fair Haven Borough School District (KG - 08) |
| Secondary School District | Rumson-Fair Haven Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,046,000 (+8.73%) Land $1,006,700 Building $1,039,300 | $2,046,000 (+8.73%) Land $1,006,700 Building $1,039,300 | |
| 2025 | $26,853.00 (+4.95%) | $1,881,800 Land $841,700 Building $1,040,100 | $1,881,800 Land $841,700 Building $1,040,100 |
| 2024 | $25,587.00 | ||
| 2023 | $1,679,700 Land $672,700 Building $1,007,000 | $1,679,700 Land $672,700 Building $1,007,000 | |
| 2022 | $24,057.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2002.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 6 (2002–2026) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Aug 2026 · other causes |
| 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 38 Spruce Dr 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 99.8% of the US · lower than 99.5% 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 | NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people · EPA ID NJ1345001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Sep 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 427 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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