95 Spruce St, Paterson, NJ 07501 Property Records

Passaic County and Paterson City property record for 95 Spruce St, Paterson, NJ 07501

Property Summary

Property Type	Apartments (5+ Units)
Details	7,184 sqft
Lot Size	0.057 acres (2,461 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Aug 2023)
Tax Bill	$18,598 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-04712-0000-00017`

Property Details

APN / Parcel Number

Primary APN	`08-04712-0000-00017`
Alternative APN	`08H0869000000008`

Interior

Units	10 Units
Stories	3 Stories
Building Area	7,184 sqft Living Area

Exterior

Exterior Material	Brick
Construction Type	Brick
Lot Area	2,461 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	08H0869000000008
Street Address	95 SPRUCE ST
City	PATERSON
State	NJ
Zip	07501-1793
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	GFHD
Legal Block	4712
Legal Lot Number	17
Jurisdiction	PASSAIC NJ
Township / Civil Division	PATERSON
Census Block Group	3
Census Block	3006
Census Tract	181800

Owner

95 Spruce St, a residential property, is owned and occupied by an individual who bought it in August 2023.

Source: Passaic County and Paterson City records, as of July 8, 2026

Owner of Record	Individual Name on File
Mailing Address	95 SPRUCE ST, PATERSON, NJ 07501-1793
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Prior Sale	Jul 7, 2005 · Amount on File
Deed Document Number	202327132
Deed Book / Page	4575 / 192
Record Updated	Oct 29, 2026

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PASSAIC NJ
Recording Date	Aug 23, 2023
Property Address	95 SPRUCE ST, PATERSON, NJ 07501-1793
Document Number	0000027132
Book / Page	D4575 / 192
Instrument Date	Aug 8, 2023
Instrument	2023027132
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 MILL ST APT 3, 3, PATERSON, NJ 07501-4838

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	95 SPRUCE ST, PATERSON, NJ 07501-1793

Mortgage

Document Number	0000027134
Date	Aug 23, 2023
Instrument	2023027134

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 95 Spruce St was $18,598, up 4.7% from the year before.

Source: Passaic County and Paterson City assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Passaic County
Municipality	Paterson City
Unified School District	Paterson City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$690,900 (+98.19%) Land $137,500 Building $553,400	$690,900 (+98.19%) Land $137,500 Building $553,400
2025	$18,598.00 (+4.71%)	$348,600 Land $56,300 Building $292,300	$348,600 Land $56,300 Building $292,300
2024	$17,761.00
2023		$348,600 (-) Land $56,300 Building $292,300	$348,600 (-) Land $56,300 Building $292,300
2022	$16,182.00	$348,600 Land $56,300 Building $292,300	$348,600 Land $56,300 Building $292,300

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

Flood

FEMA maps place 95 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 29, 2024

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

Wildfire risk around 95 Spruce St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% 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	PASSAIC VALLEY WATER COMMISSION serves 310,483 people · EPA ID NJ1605002
Water Source	Surface water
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2021
Monitoring and Reporting	2 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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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