Bergen County and Oakland Borough property record for 86 Spear St, Oakland, NJ 07436
| Property Type | Single Family Home |
|---|---|
| Details | 1,372 sqft · built 1956 |
| Lot Size | 0.539 acres (23,479 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $535,000 (Oct 2019) |
| Tax Bill | $11,937 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-03701-0000-00048 |
| Primary APN | 42-03701-0000-00048 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,372 sqft Living Area |
| 1st Floor Area | 1,372 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame |
| Lot Area | 23,479 sqft (0.539 acres) |
| Lot Dimensions | 145 ft deep x 162 ft wide |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 4203324000000010 |
|---|---|
| Street Address | 86 SPEAR ST |
| City | OAKLAND |
| State | NJ |
| Zip | 07436-3229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Description | 0.539 AC |
| Legal Subdivision | RAMAPO HILLS ESTATES SEC #1 |
| Legal Block | 3701 |
| Legal Lot Number | 48 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | OAKLAND |
| Census Block Group | 2 |
| Census Block | 2006 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 86 SPEAR ST, OAKLAND, NJ 07436-3229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Oct 2, 2019 | Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Apr 15, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2019 · Amount on Record |
| Deed Sale | Oct 2, 2019 · Amount on Record |
| Prior Sale | Apr 15, 2019 · Amount on Record |
| Deed Document Number | 201965136 |
| Deed Book / Page | 3364 / 671 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 86 SPEAR ST, OAKLAND, NJ 07436-3229 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 86 SPEAR ST, OAKLAND, NJ 07436-3229 |
| Document Number | 0041290605 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 4129/605 |
| Instrument | 2021071752 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 2, 2019 |
| Property Address | 86 SPEAR ST, OAKLAND, NJ 07436-3229 |
| Document Number | 0033640671 |
| Book / Page | 3364 / 671 |
| Instrument Date | Sep 3, 2019 |
| Instrument | 19-065136 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 SPEAR ST, OAKLAND, NJ 07436-3229 |
| Document Number | 1906513601 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 19-065136.01 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0033640671 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 3364/671 |
| Instrument | 19-065136 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Apr 15, 2019 |
| Property Address | 86 SPEAR ST, OAKLAND, NJ 07436-3229 |
| Document Number | 0032210010 |
| Book / Page | 003221 / 000010 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 23465 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $321.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 WHITTIER LN OAKLAND NJ 074363323, OAKLAND, NJ 07436-3323 |
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 | $582,300 (+6.59%) Land $314,700 Building $267,600 | $582,300 (+6.59%) Land $314,700 Building $267,600 | |
| 2025 | $11,937.00 (+3.29%) | $546,300 (+13.79%) Land $302,000 Building $244,300 | $546,300 (+13.79%) Land $302,000 Building $244,300 |
| 2024 | $11,557.00 (+5.06%) | ||
| 2023 | $480,100 Land $260,200 Building $219,900 | $480,100 Land $260,200 Building $219,900 | |
| 2022 | $11,000.00 |
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 83% 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.
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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