Bergen County and Oakland Borough property record for 56 Spear St, Oakland, NJ 07436
| Property Type | Single Family Home |
|---|---|
| Details | 1,704 sqft · built 1958 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Company Name on Record |
| Last Sale | $462,000 (Nov 2016) |
| Tax Bill | $12,780 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Oct 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-03702-0000-00022 |
| Primary APN | 42-03702-0000-00022 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,704 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Construction Type | Frame |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 125 ft deep x 150 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 42033010400013 |
|---|---|
| Street Address | 56 SPEAR ST |
| City | OAKLAND |
| State | NJ |
| Zip | 07436-3230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Description | 0.430 AC |
| Legal Subdivision | BETTER HOME SITES INC |
| Legal Block | 3702 |
| Legal Lot Number | 22 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | OAKLAND |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 39300 |
Source: Bergen County and Oakland Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 56 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 11, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 21, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BOND STREET MORTGAGE LLC |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2016 · Amount on Record |
| Deed Sale | Nov 16, 2016 · Amount on Record |
| Deed Document Number | 20168814401 |
| Deed Book / Page | 2437 / 803 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 56 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0051900467 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 5190/467 |
| Instrument | 2024012859 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 15, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 56 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN LAND TITLE AFFILIAT |
| Name | Verified Name |
|---|
| Document Number | 0033792396 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 3379/2396 |
| Instrument | 19-070003 |
| Name | BOND STREET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 56 SPEAR ST, OAKLAND, NJ 07436-3230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0037051820 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 3705/1820 |
| Instrument | 20-085338 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PARAMUS, NJ 07652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2030 |
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 | $636,000 (+8.74%) Land $331,600 Building $304,400 | $636,000 (+8.74%) Land $331,600 Building $304,400 | |
| 2025 | $12,780.00 (+2.77%) | $584,900 (+14.13%) Land $314,500 Building $270,400 | $584,900 (+14.13%) Land $314,500 Building $270,400 |
| 2024 | $12,436.00 (+4.79%) | ||
| 2023 | $512,500 Land $269,100 Building $243,400 | $512,500 Land $269,100 Building $243,400 | |
| 2022 | $11,868.00 |
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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