49 Spruce St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 49 Spruce St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,988 sqft · built 1900
Lot Size	0.094 acres (4,099 sqft)
Owner	Individual Name on Record
Last Sale	$685,500 (Apr 2024)
Tax Bill	$13,907 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-00277-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`02-00277-0000-00003`
Alternative APN	`020027700003`

Interior

Stories	2 Stories
Building Area	1,988 sqft Living Area
Gross Area	2,214 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Lot Area	4,099 sqft (0.094 acres)
Lot Dimensions	82 ft deep x 50 ft wide

Location & Zoning

Old Parcel Number	020027700003
Street Address	49 SPRUCE ST
City	BLOOMFIELD
State	NJ
Zip	07003-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	50 X 82
Legal Block	277
Legal Lot Number	3
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	4
Census Block	4001
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 July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	200 AUTUMN LN, 413, GARFIELD, NJ 07026-4606
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK
Aug 24, 2017	Deed of Trust, Mortgage PROVIDENT BANK
Aug 24, 2017	Deed of Trust, Mortgage PROVIDENT BANK
Apr 28, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2024 · Amount on Record
Deed Sale	Apr 4, 2024 · Amount on Record
Prior Sale	Feb 27, 2013 · Amount on Record
Deed Document Number	202419089
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Apr 4, 2024
Property Address	49 SPRUCE ST, BLOOMFIELD, NJ 07003-3436
Document Number	0000019089
Instrument Date	Nov 27, 2023
Instrument	2024019089
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	UNKNOWN, PHOENIX TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,713.75
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 SPRUCE ST, BLOOMFIELD, NJ 07003-3436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SPRUCE ST, BLOOMFIELD, NJ 07003-3436

Mortgage

Document Number	0000019090
Date	Apr 4, 2024
Instrument	2024019090

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	49 SPRUCE ST, BLOOMFIELD, NJ 07003-3436
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	JENN CURTIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075325
Date	Aug 24, 2017
Instrument	2017075325

Lender

Name	PROVIDENT BANK
Type	Subprime Lender
Address	ISELIN, NJ 08830

Agreement

Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	49 SPRUCE ST, BLOOMFIELD, NJ 07003-3436
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	JENN CURTIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075318
Date	Aug 24, 2017
Instrument	2017075318

Lender

Name	PROVIDENT BANK
Type	Subprime Lender
Address	ISELIN, NJ 08830

Agreement

Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	49 SPRUCE ST, BLOOMFIELD, NJ 07003-3436
Document Number	0000048925
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SPRUCE ST #A BLOOMFIELD NJ 070033436, A, BLOOMFIELD, NJ 07003-3436

Mortgage

Document Number	0000048925
Date	May 20, 2020
Instrument	48925

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

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		$398,600 (-) Land $125,400 Building $273,200	$398,600 (-) Land $125,400 Building $273,200
2025	$13,907.00 (+2.86%)	$398,600 (-) Land $125,400 Building $273,200	$398,600 (-) Land $125,400 Building $273,200
2024	$13,520.00 (+5.93%)
2023		$398,600 Land $125,400 Building $273,200	$398,600 Land $125,400 Building $273,200
2022	$12,763.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Low lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

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