623 Spruce St, Roselle, NJ 07203 Property Records

Union County and Roselle Borough property record for 623 Spruce St, Roselle, NJ 07203

Property Summary

Property Type	Single Family Home
Details	1,641 sqft · built 1922
Lot Size	0.092 acres (3,999 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Mar 2017)
Tax Bill	$7,665 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-02004-0000-00034`

Property Details

APN / Parcel Number

Primary APN	`14-02004-0000-00034`
Alternative APNs	`140200400034` `1114`

Interior

Stories	2 Stories
Building Area	1,641 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Frame
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide

Location & Zoning

Account Number	1114
Street Address	623 SPRUCE ST
City	ROSELLE
State	NJ
Zip	07203-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	ADDITIONAL LOTS: DEED 2286.
Legal Block	2004
Legal Lot Number	34
Jurisdiction	UNION NJ
Township / Civil Division	ROSELLE
Census Block Group	3
Census Block	3012
Census Tract	34100

Owner

623 Spruce St is owned and occupied by an individual who acquired it in February 2021.

Source: Union County and Roselle Borough records, as of July 8, 2026

Owner of Record	Individual Name on File
Mailing Address	623 SPRUCE ST, ROSELLE, NJ 07203-2131
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC
Mar 1, 2017	Grant Deed, Transfer · Conventional with PMI ATLANTIC HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2017 · Amount on File
Deed Sale	Mar 1, 2017 · Amount on File
Prior Sale	Jul 26, 2016 · Amount on File
Deed Document Number	2017283875
Last Transfer Date	Feb 27, 2021
Transfer Doc	0064032770
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NJ
Recording Date	Mar 5, 2021
Property Address	623 SPRUCE ST, ROSELLE, NJ 07203-2131
Document Number	0064032770
Book / Page	6403 / 2770
Instrument Date	Feb 27, 2021
Instrument	2286
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	MONUMENT TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 SPRUCE ST, ROSELLE, NJ 07203-2131

Mortgage

Document Number	6171
Date	Mar 5, 2021
Instrument	6171

Lender

Name	BOND STREET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Mar 1, 2017
Property Address	623 SPRUCE ST, ROSELLE, NJ 07203-2131
Document Number	0061750190
Book / Page	006175 / 000190
Instrument Date	Feb 24, 2017
Instrument	283875
Transaction Type	Transfer
Record Updated	May 25, 2017
Title Company	LAND TRANSFER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 CHESNURT AVENUE 2R JERSEY CITY NJ 07306, JERSEY CITY, NJ 07306

Mortgage

Document Number	142400540
Date	Mar 1, 2017
Book Page	014240/000540
Instrument	637381

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 623 Spruce St was $7,665, up 5.2% from the year before.

Source: Union County and Roselle Borough assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Union County
Municipality	Roselle Borough
Unified School District	Roselle Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$83,800 (-) Land $53,200 Building $30,600	$83,800 (-) Land $53,200 Building $30,600
2025	$7,665.00 (+5.2%)	$83,800 Land $53,200 Building $30,600	$83,800 Land $53,200 Building $30,600
2024	$7,286.00
2023		$83,800 Land $53,200 Building $30,600	$83,800 Land $53,200 Building $30,600
2022	$7,153.00

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

Flood

FEMA maps place 623 Spruce St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1992–2011)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

Wildfire risk around 623 Spruce St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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	NJ AMERICAN WATER - RARITAN private · serves 615,430 people · EPA ID NJ2004002
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 884 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

May also be available: Optimum, T-Mobile.

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