77 Spruce Dr, Fair Haven, NJ 07704 Property Records

Monmouth County and Fair Haven Borough property record for 77 Spruce Dr, Fair Haven, NJ 07704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,399 sqft · built 2010
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (May 2008)
Tax Bill	$26,741 (2025)
Deeds & Mortgages	Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-00071-0000-00014`

Property Details

APN / Parcel Number

Primary APN	`14-00071-0000-00014`
Alternative APN	`140007100014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,399 sqft Living Area
1st Floor Area	2,342 sqft
Upper Floors Area	1,286 sqft
Basement Area	1,771 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	571 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	18 sqft
Patio Area	404 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	77 SPRUCE DR
City	FAIR HAVEN
State	NJ
Zip	07704-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Subdivision	RIVER OAKS SEC 06
Legal Block	71
Legal Lot Number	14
Jurisdiction	MONMOUTH NJ
Township / Civil Division	FAIR HAVEN
Census Block Group	3
Census Block	3017
Census Tract	803700

Owner

Source: Monmouth County and Fair Haven Borough records · APN 14-00071-0000-00014

Assessment roll updated July 9, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	524 PROSPECT AVE, LITTLE SILVER, NJ 07739-1446
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 27, 2008 · Amount on Record
Deed Sale	May 27, 2008 · Amount on Record
Prior Sale	Jul 19, 2007 · Amount on Record
Deed Document Number	200859938
Deed Book / Page	8724 / 272
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONMOUTH NJ
Property Address	77 SPRUCE DR, FAIR HAVEN, NJ 07704-3615
Document Number	0000116581
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 SPRUCE DR FAIR HAVEN NJ 077043615, FAIR HAVEN, NJ 07704-3615

Mortgage

Document Number	0000116581
Date	Dec 05, 2018
Book Page	009323/006519
Instrument	116581

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 04, 2033

Tax Assessment & Valuation

Source: Monmouth County and Fair Haven Borough records · Assessment roll updated July 9, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
Municipality	Fair Haven Borough
Elementary School District	Fair Haven Borough School District (KG - 08)
Secondary School District	Rumson-Fair Haven Regional School District (09 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,036,300 (+8.67%) Land $1,005,100 Building $1,031,200	$2,036,300 (+8.67%) Land $1,005,100 Building $1,031,200
2025	$26,741.00 (+4.27%)	$1,873,900 (+11.19%) Land $840,100 Building $1,033,800	$1,873,900 (+11.19%) Land $840,100 Building $1,033,800
2024	$25,645.00 (-6.32%)
2023		$1,685,300 Land $671,100 Building $1,014,200	$1,685,300 Land $671,100 Building $1,014,200
2022	$27,375.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (2002–2026)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2026 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 427 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NJ AMERICAN WATER - COASTAL NORTH private · serves 377,613 people
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.