860 Spruce St, Lawrence Township, NJ 08648 Property Records

Mercer County and Lawrence Township property record for 860 Spruce St, Lawrence Township, NJ 08648

Property Summary

Property Type	Single Family Home
Details	1,413 sqft · built 1923
Lot Size	0.049 acres (2,121 sqft)
Owner	Company Name on File
Last Sale	$230,000 (Nov 2025)
Tax Bill	$3,611 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-00101-0000-00054`

Property Details

APN / Parcel Number

Primary APN	`07-00101-0000-00054`
Alternative APNs	`0700149000000025` `070010100054`

Interior

Stories	2 Stories
Building Area	1,413 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Lot Area	2,121 sqft (0.049 acres)
Lot Dimensions	106 ft deep x 20 ft wide

Location & Zoning

Old Parcel Number	0700149000000025
Street Address	860 SPRUCE ST
City	LAWRENCE TOWNSHIP
State	NJ
Zip	08648-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	101
Legal Lot Number	54
Jurisdiction	MERCER NJ
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1019
Census Tract	3100

Owner

860 Spruce St is owned by a company that bought it in November 2025.

Source: Mercer County and Lawrence Township records, as of July 6, 2026

Owner of Record	Company Name on File
Mailing Address	860 SPRUCE ST, LAWRENCE TOWNSHIP, NJ 08648-4530
Owner Type	Company
Vesting	Limited Liability Partnership

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

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Commercial Mortgage RFLF 4 LLC
Nov 17, 2025	Deed, Transfer UNKNOWN, CATIC TITLE
Feb 21, 2017	Grant Deed, Transfer WESTCOR LAND TITLE INSURANCE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2025 · Amount on File
Deed Sale	Nov 17, 2025 · Amount on File
Prior Sale	Feb 21, 2017 · Amount on File
Deed Document Number	202541523
Deed Book / Page	6609 / 1300
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER NJ
Property Address	860 SPRUCE ST, LAWRENCE TOWNSHIP, NJ 08648-4530
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	UNKNOWN, CATIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 COLONIAL CT, SKILLMAN, NJ 08558-2222

Mortgage

Document Number	0000044213
Date	Dec 5, 2025
Book Page	12005/1333
Instrument	2025044213

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60606

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER NJ
Recording Date	Nov 17, 2025
Property Address	860 SPRUCE ST, LAWRENCE TOWNSHIP, NJ 08648-4530
Document Number	0000041523
Book / Page	6609 / 1300
Instrument Date	Oct 23, 2025
Instrument	2025041523
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	UNKNOWN, CATIC TITLE

Transaction

Amount	Amount on Record
Tax	$1,169.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	155 ROXBORO RD, LAWRENCE, NJ 08648-3926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 SPRUCE ST, TRENTON, NJ 08648-4530

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCER NJ
Recording Date	Feb 21, 2017
Property Address	860 SPRUCE ST, LAWRENCE TOWNSHIP, NJ 08648-4530
Document Number	0000008766
Book / Page	006277 / 000471
Instrument Date	Feb 8, 2017
Instrument	8766
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 SPRUCE ST LAWRENCE NJ 086484530, LAWRENCE, NJ 08648-4530

Tax Assessment & Valuation

The 2025 property tax bill for 860 Spruce St was $3,611, up 2.2% from the year before.

Source: Mercer County and Lawrence Township assessment roll, as of July 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$117,000 (+2.54%) Land $40,600 Building $76,400	$117,000 (+2.54%) Land $40,600 Building $76,400
2025	$3,611.00 (+2.18%)	$114,100 Land $40,600 Building $73,500	$114,100 Land $40,600 Building $73,500
2024	$3,534.00
2023		$114,100 Land $40,600 Building $73,500	$114,100 Land $40,600 Building $73,500
2022	$3,401.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 860 Spruce St in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1987.

Source: FEMA National Flood Hazard Layer, effective May 23, 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
Flood Insurance Cost	Premium on File median of 10 individual policies
Nearby Flood Policies	26 units insured incl. 16 condo units
Nearby Flood Claims	30 (1987–2021)
Claims Outside the SFHA	13 of 30
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Irene, Aug 2011 · 9 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 claims

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.

Wildfire

The area around 860 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.

Drinking Water

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

Water System	TRENTON WATER WORKS serves 217,000 people · EPA ID NJ1111001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Total trihalomethanes not recorded as resolved · Oct 2024 Turbidity resolved · Jul 2021 Haloacetic acids resolved · Jul 2018
Treatment and Procedure	Lead service line replacement currently in violation since May 2020 Corrosion control Jan 2021 Lead public education Jan 2019
Monitoring and Reporting	36 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 1,005 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

May also be available: AT&T, Optimum.

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