Bergen County and Oakland Borough property record for 44 Spear St, Oakland, NJ 07436
| Property Type | Single Family Home |
|---|---|
| Details | 1,982 sqft · built 1959 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Feb 2013) |
| Tax Bill | $12,708 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-03702-0000-00020 |
| Primary APN | 42-03702-0000-00020 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,982 sqft Living Area |
| 1st Floor Area | 1,982 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 125 ft deep x 151 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 42033010400011 |
|---|---|
| Street Address | 44 SPEAR ST |
| City | OAKLAND |
| State | NJ |
| Zip | 07436-3230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Description | 0.450 AC |
| Legal Subdivision | BETTER HOMES SITES INC |
| Legal Block | 3702 |
| Legal Lot Number | 20 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | OAKLAND |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 39300 |
Source: Bergen County and Oakland Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 44 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage VISIONS FCU |
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VISIONS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2013 · Amount on Record |
| Deed Sale | Feb 13, 2013 · Amount on Record |
| Deed Document Number | 201316115 |
| Deed Book / Page | 1280 / 299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 44 SPEAR STREET, OAK RIDGE, NJ 07438 |
| Document Number | 0043981959 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 4398/1959 |
| Instrument | 2021152017 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Aug 13, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0037770808 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 3777/808 |
| Instrument | 20-106661 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 44 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Document Number | 0028822368 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 44 SPEAR ST OAKLAND NJ 074363230, OAKLAND, NJ 07436-3230 |
| Document Number | 0028822368 |
|---|---|
| Date | Mar 13, 2018 |
| Book Page | 002882/002368 |
| Name | VISIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ENDICOTT, NY 13760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 12, 2033 |
Source: Bergen County and Oakland Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oakland Borough |
| Elementary School District | Oakland Borough School District (KG - 08) |
| Secondary School District | Ramapo-Indian Hill Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $632,000 (+8.67%) Land $334,000 Building $298,000 | $632,000 (+8.67%) Land $334,000 Building $298,000 | |
| 2025 | $12,708.00 (+2.8%) | $581,600 (+14.17%) Land $316,800 Building $264,800 | $581,600 (+14.17%) Land $316,800 Building $264,800 |
| 2024 | $12,362.00 (+4.77%) | ||
| 2023 | $509,400 Land $271,100 Building $238,300 | $509,400 Land $271,100 Building $238,300 | |
| 2022 | $11,799.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1984–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Apr 2018 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 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 | OAKLAND WATER DEPT serves 12,754 people · EPA ID NJ0242001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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