12 Central Ave, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 12 Central Ave, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 1900
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Nov 2023)
Tax Bill	$12,696 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00028-0000-00005-01`

Property Details

APN / Parcel Number

Primary APN	`03-00028-0000-00005-01`
Alternative APNs	`03000280000000050001` `00000603`

Interior

Stories	3 Stories
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	170 ft deep x 50 ft wide

Location & Zoning

Account Number	00000603
Street Address	12 CENTRAL AVE
City	CALDWELL
State	NJ
Zip	07006-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	50X170 IRR
Legal Block	28
Legal Lot Number	5.1
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1009
Census Tract	21701

Owner

12 Central Ave is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 CENTRAL AVE, CALDWELL, NJ 07006-4802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Nov 1, 2023	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 20, 2020	Grant Deed, Transfer · Conventional Mortgage CREDIT UNION/NJ

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2023 · Amount on File
Deed Sale	Nov 1, 2023 · Amount on File
Prior Sale	May 20, 2020 · Amount on File
Deed Document Number	202365847
Record Updated	Sep 20, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Nov 1, 2023
Property Address	12 CENTRAL AVE, CALDWELL, NJ 07006-4802
Document Number	0000065847
Instrument Date	Sep 25, 2023
Instrument	2023065847
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 BIRDSEYE GLN, VERONA, NJ 07044-2304

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12 CENTRAL AVE, CALDWELL, NJ 07006-4802

Mortgage

Document Number	0000065848
Date	Nov 1, 2023
Instrument	2023065848

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2053

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 20, 2020
Property Address	12 CENTRAL AVE, CALDWELL, NJ 07006-4802
Document Number	0000048917
Instrument Date	Apr 14, 2020
Instrument	48917
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ALL AHEAD TITLE AGENCY LLC, ALL AHEAD TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CENTRAL AVE CALDWELL NJ 070064802, CALDWELL, NJ 07006-4802

Mortgage

Document Number	48918
Date	May 20, 2020
Instrument	48918

Lender

Name	CREDIT UNION/NJ
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12 Central Ave was $12,696, 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		$389,800 (-) Land $217,400 Building $172,400	$389,800 (-) Land $217,400 Building $172,400
2025	$12,696.00 (+2.3%)	$389,800 Land $217,400 Building $172,400	$389,800 Land $217,400 Building $172,400
2024	$12,411.00
2023		$389,800 (-) Land $217,400 Building $172,400	$389,800 (-) Land $217,400 Building $172,400
2022	$11,783.00 (+5.04%)	$389,800 Land $217,400 Building $172,400	$389,800 Land $217,400 Building $172,400
2021	$11,218.00

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

Flood

FEMA maps place 12 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 12 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 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	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 542 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
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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