40 Spruce Ter, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 40 Spruce Ter, Wayne, NJ 07470 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2,184 sqft · built 1960
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Sep 2023)
Tax Bill	$13,879 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-01706-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`14-01706-0000-00018`
Alternative APNs	`1400515000000033A` `140170600018`

Interior

Building Area	2,184 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Lot Area	9,365 sqft (0.215 acres)

Location & Zoning

Old Parcel Number	1400515000000033A
Street Address	40 SPRUCE TER
City	WAYNE
State	NJ
Zip	07470-4352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1706
Legal Lot Number	18
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 14-01706-0000-00018

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	40 SPRUCE TER, WAYNE, NJ 07470-4352
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 05, 2023 · Amount on Record
Deed Sale	Sep 05, 2023 · Amount on Record
Prior Sale	Apr 20, 2006 · Amount on Record
Deed Document Number	202328354
Deed Book / Page	4581 / 49
Record Updated	Sep 20, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Sep 05, 2023
Property Address	40 SPRUCE TER, WAYNE, NJ 07470-4352
Document Number	0000028354
Book / Page	D4581 / 49
Instrument Date	Aug 24, 2023
Instrument	2023028354
Transaction Type	Transfer
Record Updated	Nov 03, 2025
Title Company	US TITLE, MUNDUS TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,214.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1139 HAMBURG TPKE # 1103, 1103, WAYNE, NJ 07470-5055

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	40 SPRUCE TER, WAYNE, NJ 07470-4352

Mortgage

Document Number	0000028355
Date	Sep 05, 2023
Instrument	2023028355

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Sep 01, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6%
Index	SOFR Average 30-Day
Max Rate	10%

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 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		$231,400 (-) Land $101,800 Building $129,600	$231,400 (-) Land $101,800 Building $129,600
2025	$13,879.00 (+0.87%)	$231,400 (-) Land $101,800 Building $129,600	$231,400 (-) Land $101,800 Building $129,600
2024	$13,759.00 (+5.17%)
2023		$231,400 (-) Land $101,800 Building $129,600	$231,400 (-) Land $101,800 Building $129,600
2022	$13,083.00	$231,400 Land $101,800 Building $129,600	$231,400 Land $101,800 Building $129,600

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.