Bergen County and Oakland Borough property record for 71 Spear St, Oakland, NJ 07436
| Property Type | Single Family Home |
|---|---|
| Details | 1,956 sqft · built 1960 |
| Lot Size | 0.742 acres (32,322 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $601,000 (May 2020) |
| Tax Bill | $14,723 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Oct 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-03703-0000-00005 |
| Primary APN | 42-03703-0000-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,956 sqft Living Area |
| 1st Floor Area | 1,956 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Lot Area | 32,322 sqft (0.742 acres) |
| Lot Dimensions | 308 ft deep x 97 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 42033010200019 |
|---|---|
| Street Address | 71 SPEAR ST |
| City | OAKLAND |
| State | NJ |
| Zip | 07436-3216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Description | 0.742 AC |
| Legal Subdivision | BETTER HOME SITES INC |
| Legal Block | 3703 |
| Legal Lot Number | 5 |
| 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 June 29, 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 | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| May 4, 2020 | Deed of Trust, Mortgage · Conventional with PMI HOMEBRIDGE FIN'L SVCS INC |
| May 22, 2020 | Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 30, 2017 | Deed, Transfer · FHA Mortgage CLASSIC NY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2020 · Amount on Record |
| Deed Sale | May 22, 2020 · Amount on Record |
| Prior Sale | May 30, 2017 · Amount on Record |
| Deed Document Number | 202051358 |
| Deed Book / Page | 3605 / 470 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0050610367 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 5061/367 |
| Instrument | 2023053792 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 4, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048491127 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | 4849/1127 |
| Instrument | 2022104354 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Document Number | 0036050474 |
| Instrument Date | May 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Address | 71 SPEAR ST OAKLAND NJ 074363216, OAKLAND, NJ 07436-3216 |
| Document Number | 0036050474 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 003605/000474 |
| Instrument | 20051359 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 22, 2020 |
| Property Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Document Number | 0036050470 |
| Book / Page | 3605 / 470 |
| Instrument Date | May 4, 2020 |
| Instrument | 20-051358 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,195.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 GROVE ST, 104, OAKLAND, NJ 07436-2507 |
| Name | Verified Name |
|---|---|
| Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Document Number | 20051359 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 20-051359 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 30, 2017 |
| Property Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Document Number | 0026230852 |
| Book / Page | 02623 / 0852 |
| Map Reference | MB 7970 PG 312 |
| Instrument Date | May 9, 2017 |
| Instrument | 17-041354 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,105.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 71 SPEAR ST, 71, OAKLAND, NJ 07436-3216 |
| Name | Verified Name |
|---|---|
| Address | 71 SPEAR ST, OAKLAND, NJ 07436-3216 |
| Document Number | 0026230858 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 02623/0858 |
| Instrument | 17-041354.01 |
| Name | CLASSIC NY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MAYWOOD, NJ 07607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
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 | $733,500 (+8.86%) Land $347,500 Building $386,000 | $733,500 (+8.86%) Land $347,500 Building $386,000 | |
| 2025 | $14,723.00 (+2.54%) | $673,800 (+18.65%) Land $330,000 Building $343,800 | $673,800 (+18.65%) Land $330,000 Building $343,800 |
| 2024 | $14,358.00 (+9.34%) | ||
| 2023 | $567,900 Land $283,400 Building $284,500 | $567,900 Land $283,400 Building $284,500 | |
| 2022 | $13,131.00 |
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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