90 Spruce St, Freehold, NJ 07728 Property Records

Monmouth County and Freehold Township property record for 90 Spruce St, Freehold, NJ 07728

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,546 sqft · built 1973
Lot Size	0.6 acres (26,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$651,000 (Sep 2021)
Tax Bill	$12,971 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-00085-01-00006`

Property Details

APN / Parcel Number

Primary APN	`17-00085-01-00006`
Alternative APNs	`1700085000100006` `4054000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,546 sqft Living Area
1st Floor Area	1,286 sqft
Upper Floors Area	1,260 sqft
Basement Area	364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	26,123 sqft (0.6 acres)
Lot Dimensions	209 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Patio Area	572 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4054000
Street Address	90 SPRUCE ST
City	FREEHOLD
State	NJ
Zip	07728-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-25
Legal Subdivision	WOODCREST SEC 3
Legal Block	85.1
Legal Lot Number	6
Jurisdiction	MONMOUTH NJ
Township / Civil Division	FREEHOLD
Census Block Group	1
Census Block	1008
Census Tract	810505

Owner

Source: Monmouth County and Freehold Township records, as of July 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	90 SPRUCE ST, FREEHOLD, NJ 07728-2915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 10, 2019	Grant Deed, Transfer TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on Record
Deed Sale	Sep 8, 2021 · Amount on Record
Prior Sale	Jan 10, 2019 · Amount on Record
Deed Document Number	2021135347
Deed Book / Page	9541 / 7915
Record Updated	Sep 20, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Sep 8, 2021
Property Address	90 SPRUCE ST, FREEHOLD, NJ 07728-2915
Document Number	0095417915
Book / Page	9541 / 7915
Instrument Date	Aug 10, 2021
Instrument	2021135347
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	OCEANSIDE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 SPRUCE ST, 90, FREEHOLD, NJ 07728-2915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 SPRUCE ST, FREEHOLD, NJ 07728-2915

Mortgage

Document Number	2021135348
Date	Sep 8, 2021
Instrument	2021135348

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONMOUTH NJ
Recording Date	Jan 10, 2019
Property Address	90 SPRUCE ST, FREEHOLD, NJ 07728-2915
Document Number	0000003345
Book / Page	009330 / 004119
Instrument Date	Dec 21, 2018
Instrument	3345
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	TRIDENT ABSTRACT TITLE AGENCY LLC, TRIDENT ABS TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	90 SPRUCE ST FREEHOLD NJ 077282915, FREEHOLD, NJ 07728-2915

Tax Assessment & Valuation

Source: Monmouth County and Freehold Township assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Monmouth County
County Subdivision	Freehold Township
Secondary School District	Freehold Regional School District (09 - 12)
Elementary School District	Freehold Township School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$787,600 (+3.35%) Land $318,500 Building $469,100	$787,600 (+3.35%) Land $318,500 Building $469,100
2025	$12,971.00 (+0.93%)	$762,100 (+16.48%) Land $308,500 Building $453,600	$762,100 (+16.48%) Land $308,500 Building $453,600
2024	$12,852.00 (+8.64%)
2023		$654,300 Land $255,900 Building $398,400	$654,300 Land $255,900 Building $398,400
2022	$11,830.00

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 18, 2026 · 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
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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.

Drinking Water

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

Water System	FREEHOLD TWP WATER DEPT serves 29,831 people · EPA ID NJ1316001
Water Source	Purchased surface water from VEOLIA WATER NEW JERSEY MATCHAPONIX
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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