Passaic County and Wayne Township property record for 48 Spruce Ter, Wayne, NJ 07470 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2,494 sqft · built 1958 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $775,000 (Oct 2023) |
| Tax Bill | $15,631 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Oct 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-01706-0000-00020 |
| Primary APN | 14-01706-0000-00020 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,494 sqft Living Area |
|---|
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Split Level |
| Lot Area | 17,424 sqft (0.4 acres) |
| Old Parcel Number | 1400515000000037 |
|---|---|
| Street Address | 48 SPRUCE TER |
| City | WAYNE |
| State | NJ |
| Zip | 07470-4352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PACKANACK LAKE INC |
| Legal Block | 1706 |
| Legal Lot Number | 20 |
| Jurisdiction | PASSAIC NJ |
| Township / Civil Division | WAYNE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 246202 |
Source: Passaic County and Wayne Township records · APN 14-01706-0000-00020
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 SPRUCE TER, WAYNE, NJ 07470-4352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 09, 2024 | Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Oct 06, 2023 | Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP |
| Sep 17, 2019 | Deed of Trust, Mortgage · Line of Credit KEARNY BANK |
| Feb 10, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 06, 2023 · Amount on Record |
| Deed Sale | Oct 06, 2023 · Amount on Record |
| Prior Sale | Jul 29, 2013 · Amount on Record |
| Deed Document Number | 202332309 |
| Deed Book / Page | 4599 / 204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 48 SPRUCE TER, WAYNE, NJ 07470-4352 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | ESQ TITLE AGENCY LLC, NEXUS TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 151 SHERMAN PL, GARFIELD, NJ 07026-1548 |
| Document Number | 0000014888 |
|---|---|
| Date | May 09, 2024 |
| Book Page | M18903/258 |
| Instrument | 2024014888 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Recording Date | Oct 06, 2023 |
| Property Address | 48 SPRUCE TER, WAYNE, NJ 07470-4352 |
| Document Number | 0000032309 |
| Book / Page | D4599 / 204 |
| Instrument Date | Sep 13, 2023 |
| Instrument | 2023032309 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | ESQ TITLE AGENCY LLC, NEXUS TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 RAYMAR LN, WAYNE, NJ 07470-5932 |
| Name | Verified Name |
|---|---|
| Address | 48 SPRUCE TER, WAYNE, NJ 07470-4352 |
| Document Number | 0000032310 |
|---|---|
| Date | Oct 06, 2023 |
| Instrument | 2023032310 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 48 SPRUCE TER, WAYNE, NJ 07470-4352 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041381 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | M15713/0297 |
| Instrument | 2019041381 |
| Name | KEARNY BANK |
|---|---|
| Type | Bank |
| Address | FAIRFIELD, NJ 07004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASSAIC NJ |
| Property Address | 48 SPRUCE TER, WAYNE, NJ 07470-4352 |
| Document Number | 0000010310 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 48 SPRUCE TER WAYNE NJ 074704352, WAYNE, NJ 07470-4352 |
| Document Number | 0000010310 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 014374/000282 |
| Instrument | 10310 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Passaic County and Wayne Township records · Assessment roll updated July 8, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Passaic County |
| County Subdivision | Wayne Township |
| Unified School District | Wayne Township School District (KG - 12) |
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 | $260,600 (-) Land $108,800 Building $151,800 | $260,600 (-) Land $108,800 Building $151,800 | |
| 2025 | $15,631.00 (+0.88%) | $260,600 (-) Land $108,800 Building $151,800 | $260,600 (-) Land $108,800 Building $151,800 |
| 2024 | $15,495.00 (+5.16%) | ||
| 2023 | $260,600 (-) Land $108,800 Building $151,800 | $260,600 (-) Land $108,800 Building $151,800 | |
| 2022 | $14,734.00 | $260,600 Land $108,800 Building $151,800 | $260,600 Land $108,800 Building $151,800 |
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
| 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 |
|
| 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.
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