Union County and Cranford Township property record for 75 Spruce St, Cranford, NJ 07016
| Property Type | Single Family Home |
|---|---|
| Details | 1,516 sqft · built 1955 |
| Lot Size | 0.263 acres (11,474 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Aug 1996) |
| Tax Bill | $15,127 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-00158-0000-00004 |
| Primary APN | 03-00158-0000-00004 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,516 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Frame |
| Lot Area | 11,474 sqft (0.263 acres) |
| Parking Spaces | 1 Parking Space |
| Account Number | 0917001 |
|---|---|
| Street Address | 75 SPRUCE ST |
| City | CRANFORD |
| State | NJ |
| Zip | 07016-1729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MAP/ORCHARD PARK SEC 01 |
| Legal Block | 158 |
| Legal Lot Number | 4 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | CRANFORD |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 37100 |
75 Spruce St is owned and occupied by two individuals who bought it in August 1996.
Source: Union County and Cranford Township records, as of July 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 75 SPRUCE ST, CRANFORD, NJ 07016-1729 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 1996 · Amount on File |
| Deed Sale | Aug 14, 1996 · Amount on File |
| Deed Document Number | 199630817 |
| Deed Book / Page | 4418 / 327 |
| Prior Transfer Date | Jul 15, 1994 |
| Prior Transfer Doc | 0000006901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 75 SPRUCE ST, CRANFORD, NJ 07016-1729 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0147300164 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 14730/164 |
| Instrument | 694980 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2045 |
The 2025 property tax bill for 75 Spruce St was $15,127, up 6.9% from the year before.
Source: Union County and Cranford Township assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| County Subdivision | Cranford Township |
| Unified School District | Cranford Township School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $208,700 (-) Land $97,600 Building $111,100 | $208,700 (-) Land $97,600 Building $111,100 | |
| 2025 | $15,127.00 (+6.93%) | $208,700 Land $97,600 Building $111,100 | $208,700 Land $97,600 Building $111,100 |
| 2024 | $14,147.00 | ||
| 2023 | $208,700 Land $97,600 Building $111,100 | $208,700 Land $97,600 Building $111,100 | |
| 2022 | $13,799.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 75 Spruce St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 54 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 152 (1979–2021) |
| Claims Outside the SFHA | 38 of 152 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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.
The area around 75 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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