91 Spruce St, Bloomfield, NJ 07003 Property Records

Essex County and Bloomfield Township property record for 91 Spruce St, Bloomfield, NJ 07003

Property Summary

Property Type	Single Family Home
Details	1,551 sqft · built 1908
Lot Size	0.113 acres (4,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,000 (Aug 2021)
Tax Bill	$11,835 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-00286-0000-00007`

Property Details

APN / Parcel Number

Primary APN	`02-00286-0000-00007`
Alternative APN	`020028600007`

Interior

Stories	1 Story
Building Area	1,551 sqft Living Area
1st Floor Area	1,551 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Lot Area	4,901 sqft (0.113 acres)
Lot Dimensions	114 ft deep x 43 ft wide

Location & Zoning

Old Parcel Number	020028600007
Street Address	91 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	43 X 114
Legal Block	286
Legal Lot Number	7
Jurisdiction	ESSEX NJ
Township / Civil Division	BLOOMFIELD
Census Block Group	3
Census Block	3001
Census Tract	15400

Owner

Source: Essex County and Bloomfield Township records, as of July 2, 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	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jun 23, 2021	Deed of Trust, Mortgage · Line of Credit LAKELAND BANK
Oct 5, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Aug 30, 2021	Deed, Transfer · FHA Mortgage FAMILY FIRST FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Deed Document Number	2021106645
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Apr 24, 2026
Property Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Document Number	0000027712
Instrument Date	Mar 17, 2026
Instrument	202627712
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514

Mortgage

Document Number	0000027712,
Date	Apr 24, 2026
Instrument	202627712

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Sep 1, 2051

Interest

Rate	6.01%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076842
Date	Jun 23, 2021
Instrument	2021076842

Lender

Name	LAKELAND BANK
Type	Bank
Address	OAK RIDGE, NJ 07438

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514

Mortgage

Document Number	0000059953
Date	Oct 5, 2023
Instrument	2023059953

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Sep 1, 2051

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 30, 2021
Property Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514
Document Number	0000106645
Instrument Date	Aug 18, 2021
Instrument	2021106645
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ALL JERSEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 WHISPER WAY E # E9, E9, LEDGEWOOD, NJ 07852-2134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRUCE ST, BLOOMFIELD, NJ 07003-3514

Mortgage

Document Number	0000106648
Date	Aug 30, 2021
Instrument	2021106648

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$339,200 (-) Land $127,700 Building $211,500	$339,200 (-) Land $127,700 Building $211,500
2025	$11,835.00 (+2.87%)	$339,200 (-) Land $127,700 Building $211,500	$339,200 (-) Land $127,700 Building $211,500
2024	$11,505.00 (+5.93%)
2023		$339,200 Land $127,700 Building $211,500	$339,200 Land $127,700 Building $211,500
2022	$10,861.00

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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