7 Spruce St, Passaic, NJ 07055 Property Records

Passaic County and Passaic City property record for 7 Spruce St, Passaic, NJ 07055

Property Summary

Property Type	Single Family Home
Details	918 sqft · built 1890
Lot Size	0.068 acres (2,975 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jun 2025)
Tax Bill	$6,642 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-02185-01-00032`

Property Details

APN / Parcel Number

Primary APN	`07-02185-01-00032`
Alternative APN	`0702185A00032`

Interior

Stories	2 Stories
Building Area	918 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood
Construction Type	Frame
Lot Area	2,975 sqft (0.068 acres)
Lot Dimensions	119 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	0702185A00032
Street Address	7 SPRUCE ST
City	PASSAIC
State	NJ
Zip	07055-3113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Block	2185
Legal Lot Number	32
Jurisdiction	PASSAIC NJ
Township / Civil Division	PASSAIC
Census Block Group	3
Census Block	3009
Census Tract	175502

Owner

Source: Passaic County and Passaic City assessment roll, as of July 8, 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	7 SPRUCE ST, PASSAIC, NJ 07055-3113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 27, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage NAVY FCU
Oct 21, 2022	Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 11, 2025 · Amount on Record
Deed Sale	Jun 11, 2025 · Amount on Record
Prior Sale	Oct 21, 2022 · Amount on Record
Deed Document Number	202519272
Deed Book / Page	4912 / 194
Prior Transfer Date	Nov 13, 2023
Prior Transfer Doc	0000037617
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASSAIC NJ
Property Address	7 SPRUCE ST, PASSAIC, NJ 07055-3113
Transaction Type	Mortgage
Record Updated	Apr 22, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SPRUCE ST, PASSAIC, NJ 07055-3113

Mortgage

Document Number	0000008859
Date	Mar 15, 2024
Book Page	M18843/155
Instrument	2024008859

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	478 Months
Due	Jan 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PASSAIC NJ
Recording Date	Nov 27, 2023
Property Address	7 SPRUCE ST, PASSAIC, NJ 07055-3113
Document Number	0000037617
Book / Page	D4623 / 283
Instrument Date	Nov 13, 2023
Instrument	2023037617
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	NOT AVAILABLE, EXPERT TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 SPRUCE ST, PASSAIC, NJ 07055-3113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SPRUCE ST, PASSAIC, NJ 07055-3113

Mortgage

Document Number	0000037618
Date	Nov 27, 2023
Instrument	2023037618

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2026
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Margin	2
Max Rate	10%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	PASSAIC NJ
Recording Date	Oct 21, 2022
Property Address	7 SPRUCE ST, PASSAIC, NJ 07055-3113
Document Number	0000049979
Book / Page	D4417 / 233
Instrument Date	Oct 5, 2022
Instrument	2022049979
Transaction Type	Transfer
Record Updated	Nov 14, 2022
Title Company	NOT AVAILABLE, MYTITLEDIRECT COM

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1556 CENTER AVE # AVEB1, 1556, FORT LEE, NJ 07024-4614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 BURGESS PL, PASSAIC, NJ 07055-3230

Mortgage

Document Number	0000049980
Date	Oct 21, 2022
Instrument	2022049980

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Passaic County and Passaic City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Passaic City
Unified School District	Passaic City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,000 (-) Land $64,900 Building $91,100	$156,000 (-) Land $64,900 Building $91,100
2025	$6,642.00 (+3.28%)	$156,000 (+14.29%) Land $64,900 Building $91,100	$156,000 (+14.29%) Land $64,900 Building $91,100
2024	$6,431.00 (+21.32%)
2023		$136,500 (-) Land $64,900 Building $71,600	$136,500 (-) Land $64,900 Building $71,600
2022	$5,301.00	$136,500 Land $64,900 Building $71,600	$136,500 Land $64,900 Building $71,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 1,057 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: AT&T, T-Mobile USA.

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