Bergen County and Fairview Borough property record for 46 Spruce St, Fairview, NJ 07022
| Property Type | Single Family Home |
|---|---|
| Details | 1,290 sqft · built 1955 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Jan 2017) |
| Tax Bill | $10,076 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00703-0000-00002 |
| Primary APN | 18-00703-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,290 sqft Living Area |
| 1st Floor Area | 1,290 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Old Parcel Number | 1800082000000177 |
|---|---|
| Street Address | 46 SPRUCE ST |
| City | FAIRVIEW |
| State | NJ |
| Zip | 07022-1031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 50X100 |
| Legal Subdivision | FAIR VIEW HOMES |
| Legal Block | 703 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FAIRVIEW |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 18200 |
46 Spruce St is owned and occupied by two individuals who bought it in January 2017.
Source: Bergen County and Fairview Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 SPRUCE ST, FAIRVIEW, NJ 07022-1031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage FIRST ALLIANCE HOME MORTGAGE LLC |
| Jan 19, 2017 | Deed, Transfer · FHA Mortgage FIRST ALLIANCE HOME MORGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2017 · Amount on File |
| Deed Sale | Jan 19, 2017 · Amount on File |
| Prior Sale | Aug 30, 2005 · Amount on File |
| Deed Document Number | 20176720 |
| Deed Book / Page | 2510 / 536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 46 SPRUCE ST, FAIRVIEW, NJ 07022-1031 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040761277 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 4076/1277 |
| Instrument | 2021056026 |
| Name | FIRST ALLIANCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CRANFORD, NJ 07016 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 310 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 19, 2017 |
| Property Address | 46 SPRUCE ST, FAIRVIEW, NJ 07022-1031 |
| Document Number | 0025100536 |
| Book / Page | 02510 / 0536 |
| Instrument Date | Dec 28, 2016 |
| Instrument | 17-006720 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 SPRUCE ST, 46, FAIRVIEW, NJ 07022-1031 |
| Name | Verified Name |
|---|---|
| Address | 46 SPRUCE ST, FAIRVIEW, NJ 07022-1031 |
| Document Number | 0025100541 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 02510/0541 |
| Instrument | 17-006720.01 |
| Name | FIRST ALLIANCE HOME MORGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WOODBRIDGE, NJ 07095 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
The 2025 property tax bill for 46 Spruce St was $10,076, up 2.4% from the year before.
Source: Bergen County and Fairview Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Fairview Borough |
| Unified School District | Fairview Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $471,700 (+6.5%) Land $277,500 Building $194,200 | $471,700 (+6.5%) Land $277,500 Building $194,200 | |
| 2025 | $10,076.00 (+2.36%) | $442,900 Land $267,500 Building $175,400 | $442,900 Land $267,500 Building $175,400 |
| 2024 | $9,844.00 | ||
| 2023 | $410,000 Land $245,000 Building $165,000 | $410,000 Land $245,000 Building $165,000 | |
| 2022 | $9,044.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Spruce St 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 December 8, 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| 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.
The area around 46 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001 |
|---|---|
| Water Source | Surface water |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement Jan 2021 |
| 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 759 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures