Bergen County and Oakland Borough property record for 51 Spear St, Oakland, NJ 07436
| Property Type | Single Family Home |
|---|---|
| Details | 2,020 sqft · built 1959 |
| Lot Size | 0.663 acres (28,880 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $885,000 (Apr 2026) |
| Tax Bill | $14,720 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-03703-0000-00009 |
| Primary APN | 42-03703-0000-00009 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,020 sqft Living Area |
| 1st Floor Area | 2,020 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Frame |
| Lot Area | 28,880 sqft (0.663 acres) |
| Lot Dimensions | 195 ft deep x 148 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 42033010200016 |
|---|---|
| Street Address | 51 SPEAR ST |
| City | OAKLAND |
| State | NJ |
| Zip | 07436-3215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Description | 0.663 AC |
| Legal Block | 3703 |
| Legal Lot Number | 9 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | OAKLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 39300 |
Source: Bergen County and Oakland Borough records, as of July 6, 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 | 51 SPEAR ST, OAKLAND, NJ 07436-3215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed, Transfer · Conventional Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Apr 6, 2026 | Deed, Transfer · Conventional Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on Record |
| Deed Sale | Apr 6, 2026 · Amount on Record |
| Prior Sale | Dec 6, 1995 · Amount on Record |
| Deed Document Number | 202622216 |
| Deed Book / Page | 5763 / 969 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 6, 2026 |
| Property Address | 51 SPEAR ST, OAKLAND, NJ 07436-3215 |
| Document Number | 0000022216 |
| Book / Page | 5763 / 969 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 2026.22216 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $89,385.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 SPEAR ST, OAKLAND, NJ 07436-3215 |
| Investor | Possibly a Property Investor |
| Document Number | 0000022217, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 2026..22217 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 6, 2026 |
| Property Address | 51 SPEAR ST, OAKLAND, NJ 07436-3215 |
| Document Number | 0057630969 |
| Book / Page | 5763 / 969 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 202622216 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $89,385.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 SPEAR ST, OAKLAND, NJ 07436-3215 |
| Investor | Possibly a Property Investor |
| Document Number | 0000022217, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202622217 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Bergen County and Oakland Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Oakland Borough |
| Elementary School District | Oakland Borough School District (KG - 08) |
| Secondary School District | Ramapo-Indian Hill Regional School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $733,900 (+8.94%) Land $359,600 Building $374,300 | $733,900 (+8.94%) Land $359,600 Building $374,300 | |
| 2025 | $14,720.00 (+2.6%) | $673,700 (+13.76%) Land $341,200 Building $332,500 | $673,700 (+13.76%) Land $341,200 Building $332,500 |
| 2024 | $14,347.00 (+4.78%) | ||
| 2023 | $592,200 Land $293,000 Building $299,200 | $592,200 Land $293,000 Building $299,200 | |
| 2022 | $13,693.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1984–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Apr 2018 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | OAKLAND WATER DEPT serves 12,754 people · EPA ID NJ0242001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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