23 Espy Rd, Apt B7, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 23 Espy Rd, Apt B7, Caldwell, NJ 07006

Property Summary

Property Type	Condominium
Details	1,304 sqft · built 1988
Lot Size	0.016 acres (693 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Nov 2023)
Tax Bill	$8,752 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00036-01-00002-07`

Property Details

APN / Parcel Number

Primary APN	`03-00036-01-00002-07`
Alternative APNs	`03000360001000020007` `00000916`

Interior

Building Area	1,304 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Lot Area	693 sqft (0.016 acres)

Location & Zoning

Account Number	00000916
Street Address	23 ESPY RD, B7
City	CALDWELL
State	NJ
Zip	07006-4855
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RD
Legal Description	CONDO
Legal Subdivision	RIDGE/CALDWELL CONDO
Legal Block	36.1
Legal Lot Number	2.7
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1005
Census Tract	21701

Owner

23 Espy Rd, Apt B7 is owned by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	23 ESPY RD, B7, CALDWELL, NJ 07006-4855
Owner Type	Individual
Vesting	Single Man

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 15, 2023	Deed, Transfer · Conventional Mortgage BUILDERS CHOICE MORTGAGE LLC
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2023 · Amount on File
Deed Sale	Nov 15, 2023 · Amount on File
Prior Sale	Feb 9, 2007 · Amount on File
Deed Document Number	202368402
Record Updated	Oct 29, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Nov 15, 2023
Property Address	23 ESPY RD APT B7, B7, CALDWELL, NJ 07006-4855
Document Number	0000068402
Instrument Date	Oct 30, 2023
Instrument	2023068402
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	HERITAGE ABSTRACT COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$887.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 PORTER PL, BLOOMFIELD, NJ 07003-5013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ESPY RD APT B7, B7, CALDWELL, NJ 07006-4855

Mortgage

Document Number	0000068403
Date	Nov 15, 2023
Instrument	2023068403

Lender

Name	BUILDERS CHOICE MORTGAGE LLC
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	23 ESPY RD APT B7, B7, CALDWELL, NJ 07006-4855
Document Number	0000002013
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ESPY RD #B7 CALDWELL NJ 070064855, B7, CALDWELL, NJ 07006-4855

Mortgage

Document Number	0000002013
Date	Jan 7, 2021
Instrument	2013

Lender

Name	CARDINAL FIN CO
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 23 Espy Rd, Apt B7 was $8,752, 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		$268,700 (-) Land $100,000 Building $168,700	$268,700 (-) Land $100,000 Building $168,700
2025	$8,752.00 (+2.3%)	$268,700 Land $100,000 Building $168,700	$268,700 Land $100,000 Building $168,700
2024	$8,555.00
2023		$268,700 (-) Land $100,000 Building $168,700	$268,700 (-) Land $100,000 Building $168,700
2022	$8,122.00 (+5.03%)	$268,700 Land $100,000 Building $168,700	$268,700 Land $100,000 Building $168,700
2021	$7,733.00

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

Flood

FEMA maps place 23 Espy Rd, Apt B7 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

The area around 23 Espy Rd, Apt B7 has no burnable land within ember reach, so its wildfire risk is not rated.

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	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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