108 Central Ave, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 108 Central Ave, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,648 sqft · built 1900
Lot Size	0.243 acres (10,600 sqft)
Owner	2 Individual Names on File
Last Sale	$341,500 (Jul 2013)
Tax Bill	$11,256 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00030-02-00003-01`

Property Details

APN / Parcel Number

Primary APN	`03-00030-02-00003-01`
Alternative APNs	`03000300002000030001` `00000686`

Interior

Building Area	1,648 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	10,600 sqft (0.243 acres)
Lot Dimensions	212 ft deep x 50 ft wide

Location & Zoning

Account Number	00000686
Street Address	108 CENTRAL AVE
City	CALDWELL
State	NJ
Zip	07006-4842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	50X212 IRR
Legal Block	30.2
Legal Lot Number	3.1
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1000
Census Tract	21701

Owner

108 Central Ave is owned and occupied by two individuals who bought it in July 2013.

Source: Essex County and Caldwell Borough records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 CENTRAL AVE, CALDWELL, NJ 07006-4842
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

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Dec 23, 2016	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2013 · Amount on File
Deed Sale	Jul 18, 2013 · Amount on File
Deed Book / Page	12450 / 5753
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	108 CENTRAL AVE, CALDWELL, NJ 07006-4842
Transaction Type	Mortgage
Record Updated	Jul 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CENTRAL AVE, CALDWELL, NJ 07006-4842

Mortgage

Document Number	0000021538
Date	Apr 6, 2023
Instrument	2023021538

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 3, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	108 CENTRAL AVE, CALDWELL, NJ 07006-4842
Document Number	0000000696
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 CENTRAL AVE CALDWELL NJ 070064842, CALDWELL, NJ 07006-4842

Mortgage

Document Number	0000000696
Date	Jan 4, 2017
Instrument	696

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	300 Months
Due	Jan 3, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 108 Central Ave was $11,256, up 2.3% from the year before.

Source: Essex County and Caldwell Borough assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
Municipality	Caldwell Borough
Unified School District	Caldwell-West Caldwell School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$345,600 (-) Land $220,500 Building $125,100	$345,600 (-) Land $220,500 Building $125,100
2025	$11,256.00 (+2.3%)	$345,600 Land $220,500 Building $125,100	$345,600 Land $220,500 Building $125,100
2024	$11,003.00
2023		$345,600 Land $220,500 Building $125,100	$345,600 Land $220,500 Building $125,100
2022	$10,447.00

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

Flood

FEMA maps place 108 Central Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 108 Central Ave 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 98% of the US · lower than 94% 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	CALDWELL WATER DEPT serves 9,027 people · EPA ID NJ0703001
Water Source	Purchased surface water from ESSEX FELLS WATER DEPT
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 655 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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