45 Spruce Ter, Wayne, NJ 07470 Property Records

Passaic County and Wayne Township property record for 45 Spruce Ter, Wayne, NJ 07470 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Architecture Style	Colonial
Year Built	Built 1955
Square Footage	1,380 sqft Living Area
Lot Size	11,718 sqft (0.269 acres)
Last Sale	$475,000 (2019)
Tax Bill	$10,509.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`14-01707-0000-00003`
Alternative APNs	`1400516000000005` `140170700003`

Interior

Building Area	1,380 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial Style
Lot Area	11,718 sqft (0.269 acres)

Location & Zoning

Old Parcel Number	1400516000000005
Street Address	45 SPRUCE TER
City	WAYNE
State	NJ
Zip	07470-4350
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Subdivision	PACKANACK LAKE ALPS SEC
Legal Block	1707
Legal Lot Number	3
Jurisdiction	PASSAIC NJ
Minor Civil Division	WAYNE
Census Blockgroup	2
Census Block	2013
Census Tract	246202

Owner

Source: Passaic County and Wayne Township records · APN 14-01707-0000-00003

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	Company Name on File
Mailing Address	45 SPRUCE TER, WAYNE, NJ 07470-4350
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Date	Document
Feb 03, 2025	Deed of Trust, Mortgage · Line of Credit VISIONS FCU
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) PENNYMAC
Dec 17, 2019	Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) PENNYMAC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 17, 2019 · Amount on Record
Deed Sale	Dec 17, 2019 · Amount on Record
Prior Sale	Apr 11, 2013 · Amount on Record
Deed Doc Number	201958664
Deed Book / Page	3713 / 280
Record Refreshed	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	45 SPRUCE TER, WAYNE, NJ 07470-4350
Transaction Type	Mortgage
Record Updated	Nov 03, 2025
Title Company	BESPOKE TITLE AND SETTLEMENT SERVICES LLC, BESPOKE TTL & STLMT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SPRUCE TER, WAYNE, NJ 07470-4350

Mortgage

Document Number	0000003842
Date	Feb 03, 2025
Book Page	M19246/79
Instrument	2025003842

Lender

Name	VISIONS FCU
Type	Credit Union
Address	OSWEGATCHIE, NY 13670

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	45 SPRUCE TER, WAYNE, NJ 07470-4350
Document Number	0000030998
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	EVIDENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	45 SPRUCE TER WAYNE NJ 074704350, WAYNE, NJ 07470-4350

Mortgage

Document Number	0000030998
Date	Jul 13, 2020
Book Page	016266/000066
Instrument	30998

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASSAIC NJ
Recording Date	Dec 17, 2019
Property Address	45 SPRUCE TER, WAYNE, NJ 07470-4350
Document Number	0000058664
Book / Page	003713 / 000280
Instrument Date	Oct 10, 2019
Instrument	58664
Transaction Type	Transfer
Record Updated	Jan 17, 2020
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	45 SPRUCE TER WAYNE NJ 074704350, WAYNE, NJ 07470-4350

Mortgage

Document Number	58669
Date	Dec 17, 2019
Book Page	015893/000261
Instrument	58669

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

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		$175,200 (-) Land $105,000 Building $70,200	$175,200 (-) Land $105,000 Building $70,200
2025	$10,509.00 (+0.88%)	$175,200 (-) Land $105,000 Building $70,200	$175,200 (-) Land $105,000 Building $70,200
2024	$10,417.00 (+5.17%)
2023		$175,200 Land $105,000 Building $70,200	$175,200 Land $105,000 Building $70,200
2022	$9,905.00

45 Spruce Ter, Wayne, NJ 07470 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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