48 Spruce St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 48 Spruce St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	2,397 sqft · built 1880
Lot Size	0.183 acres (7,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$835,000 (Feb 2026)
Tax Bill	$13,677 (2025)
Deeds & Mortgages	May 2024 Mortgage Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-00276-0000-00026`

Property Details

APN / Parcel Number

Primary APN	`02-00276-0000-00026`
Alternative APNs	`020027600026` `BHD`

Interior

Stories	2 Stories
Building Area	2,397 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Multi-Family
Lot Area	7,980 sqft (0.183 acres)
Lot Dimensions	133 ft deep x 60 ft wide

Location & Zoning

Account Number	BHD
Street Address	48 SPRUCE ST
City	BLOOMFIELD
State	NJ
Zip	07003-3437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	60 X 133
Legal Block	276
Legal Lot Number	26
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	4
Census Block	4002
Census Tract	15400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bloomfield Green Historic District listed 1978 · 181 contributing resources · NRIS 78001757

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Essex County and Bloomfield Township records, as of October 19, 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	48 SPRUCE ST, BLOOMFIELD, NJ 07003-3437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 30, 2024	Deed of Trust, Mortgage · Commercial Mortgage MANASQUAN BANK
Feb 18, 2026	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2024	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Prior Sale	May 23, 2024 · Amount on Record
Deed Document Number	202610649
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	48 SPRUCE ST, BLOOMFIELD, NJ 07003-3437
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	ATLANTIC TITLE AND ESCROW SERVICES L, ATLANTIC TTL & STLMT SVC LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 ELMORA AVE, ELIZABETH, NJ 07202-1632

Mortgage

Document Number	0000030663
Date	May 30, 2024
Instrument	2024030663

Lender

Name	MANASQUAN BANK
Type	Bank
Address	MANASQUAN, NJ 08736

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Feb 18, 2026
Property Address	48 SPRUCE ST, BLOOMFIELD, NJ 07003-3437
Document Number	0000010649
Instrument Date	Jan 30, 2026
Instrument	2026010649
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	MEGA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,087.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	67 ELMORA AVE, ELIZABETH, NJ 07202-1632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SPRUCE ST, BLOOMFIELD, NJ 07003-3437

Mortgage

Document Number	0000010650
Date	Feb 18, 2026
Instrument	2026010650

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

May 2024: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ESSEX NJ
Recording Date	May 23, 2024
Property Address	48 SPRUCE ST, BLOOMFIELD, NJ 07003-3437
Document Number	0000029845
Instrument Date	May 2, 2024
Instrument	2024029845
Transaction Type	Foreclosure
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Tax	$485.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 ELMORA AVE, ELIZABETH, NJ 07202-1632

Tax Assessment & Valuation

Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Bloomfield Township
Unified School District	Bloomfield Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$392,000 (-) Land $155,700 Building $236,300	$392,000 (-) Land $155,700 Building $236,300
2025	$13,677.00 (+2.87%)	$392,000 (-) Land $155,700 Building $236,300	$392,000 (-) Land $155,700 Building $236,300
2024	$13,296.00 (+5.94%)
2023		$392,000 Land $155,700 Building $236,300	$392,000 Land $155,700 Building $236,300
2022	$12,551.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · 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 Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	25 (1978–2021)
Claims Outside the SFHA	13 of 25
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 claims

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Last State Inspection	Sep 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jul 2022 Lead service line replacement Jan 2022
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 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
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures