85 Spruce St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 85 Spruce St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,727 sqft · built 1941
Lot Size	0.073 acres (3,193 sqft)
Owner	2 Individual Names on Record
Last Sale	$191,100 (Jan 2011)
Tax Bill	$13,813 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00286-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`02-00286-0000-00002`
Alternative APN	`020028600002`

Interior

Stories	2 Stories
Building Area	1,727 sqft Living Area
Gross Area	1,982 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Multi-Family
Lot Area	3,193 sqft (0.073 acres)
Lot Dimensions	76 ft deep x 42 ft wide

Location & Zoning

Old Parcel Number	020028600002
Street Address	85 SPRUCE ST
City	BLOOMFIELD
State	NJ
Zip	07003-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	42 X 76
Legal Block	286
Legal Lot Number	2
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	3
Census Block	3001
Census Tract	15400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bloomfield Green Historic District listed 1978 · 181 contributing resources · NRIS 78001757

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Essex County and Bloomfield Township records, as of July 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	85 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 5, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2011 · Amount on Record
Deed Sale	Jan 14, 2011 · Amount on Record
Deed Document Number	20114395
Deed Book / Page	12292 / 4987
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Jul 14, 2026
Property Address	85 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Document Number	0000046006
Instrument Date	Jul 3, 2026
Instrument	202646006
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 SPRUCE ST, BLOOMFIELD, NJ 07003-3514

Mortgage

Document Number	0000046006,
Date	Jul 14, 2026
Instrument	202646006

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 8, 2051

Interest

Rate	6.48%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	85 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 SPRUCE ST, BLOOMFIELD, NJ 07003-3514

Mortgage

Document Number	0000097732
Date	Oct 5, 2020
Instrument	2020097732

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	243 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

Source: Essex County and Bloomfield Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Bloomfield Township
Unified School District	Bloomfield Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$395,900 (-) Land $135,700 Building $260,200	$395,900 (-) Land $135,700 Building $260,200
2025	$13,813.00 (+2.87%)	$395,900 (-) Land $135,700 Building $260,200	$395,900 (-) Land $135,700 Building $260,200
2024	$13,428.00 (+5.93%)
2023		$395,900 Land $135,700 Building $260,200	$395,900 Land $135,700 Building $260,200
2022	$12,676.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020

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	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.

Drinking Water

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

Water System	BLOOMFIELD WATER DEPARTMENT serves 53,315 people · EPA ID NJ0702001
Water Source	Purchased surface water from NEWARK WATER DEPARTMENT
Last State Inspection	Sep 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2024 Treatment failure resolved · Nov 2020 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Corrosion control Jul 2022 Lead service line replacement Jan 2022
Monitoring and Reporting	5 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 444 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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