704 Spruce St, Roselle, NJ 07203 Property Records

Union County and Roselle Borough property record for 704 Spruce St, Roselle, NJ 07203

Property Summary

Property Type	Single Family Home
Details	1,205 sqft · built 1918
Lot Size	0.08 acres (3,498 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Sep 2021)
Tax Bill	$14,297 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-02102-0000-00019`

Property Details

APN / Parcel Number

Primary APN	`14-02102-0000-00019`
Alternative APNs	`140210200019` `1212`

Interior

Stories	2 Stories
Building Area	1,205 sqft Living Area

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,498 sqft (0.08 acres)
Lot Dimensions	100 ft deep x 35 ft wide

Location & Zoning

Account Number	1212
Street Address	704 SPRUCE ST
City	ROSELLE
State	NJ
Zip	07203-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	ADDITIONAL LOTS: DEED 8982.TOTAL REHA
Legal Subdivision	LINDEN TOWNSHIP
Legal Block	2102
Legal Lot Number	19
Jurisdiction	UNION NJ
Township / Civil Division	ROSELLE
Census Block Group	3
Census Block	3002
Census Tract	34400

Owner

704 Spruce St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	704 SPRUCE ST, ROSELLE, NJ 07203-2134
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
Sep 7, 2021	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 26, 2021	Grant Deed, Transfer ATS TITLE AGENCY, ATS TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Prior Sale	Jan 26, 2021 · Amount on File
Deed Document Number	20218982
Deed Book / Page	6428 / 2932
Prior Transfer Date	Dec 12, 1995
Prior Transfer Doc	0000023413
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NJ
Recording Date	Sep 7, 2021
Property Address	704 SPRUCE ST, ROSELLE, NJ 07203-2134
Document Number	0064282932
Book / Page	6428 / 2932
Instrument Date	Aug 30, 2021
Instrument	8982
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1030 LOUISA ST, 1030, ELIZABETH, NJ 07201-2134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 SPRUCE ST, ROSELLE, NJ 07203-2134
Investor	Possibly a Property Investor

Mortgage

Document Number	0150502750
Date	Sep 7, 2021
Book Page	15050/2750
Instrument	20304

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NJ
Recording Date	Jan 26, 2021
Property Address	704 SPRUCE ST, ROSELLE, NJ 07203-2134
Document Number	0063980606
Book / Page	006398 / 000606
Instrument Date	Jan 7, 2021
Instrument	897
Transaction Type	Transfer
Record Updated	Feb 8, 2021
Title Company	ATS TITLE AGENCY, ATS TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 LOUISA ST ELIZABETH NJ 072012134, ELIZABETH, NJ 07201-2134

Tax Assessment & Valuation

The 2025 property tax bill for 704 Spruce St was $14,297, 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		$156,300 (-) Land $52,300 Building $104,000	$156,300 (-) Land $52,300 Building $104,000
2025	$14,297.00 (+5.2%)	$156,300 Land $52,300 Building $104,000	$156,300 Land $52,300 Building $104,000
2024	$13,590.00
2023		$156,300 Land $52,300 Building $104,000	$156,300 Land $52,300 Building $104,000
2022	$13,341.00

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

Flood

FEMA maps place 704 Spruce St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1978–2025)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2025 · rainfall accumulation

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 704 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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