EMPIRE TITLE AGENCY/AZ LLC, EMPIRE TITLE AGENCY LLC
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$6,420.50
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
321 TUTTLE AVE, SPRING LAKE, NJ 07762-1539
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
3 LAUREL CT, CALDWELL, NJ 07006-4181
Mortgage
Document Number
0000043688
Date
Jul 24, 2023
Instrument
2023043688
Lender
Name
MORGAN STANLEY PRIVATE BANK NA
Type
Bank
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Aug 1, 2053
May 2021: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
ESSEX NJ
Property Address
3 LAUREL CT, CALDWELL, NJ 07006-4181
Transaction Type
Mortgage
Record Updated
Jun 9, 2021
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
2021059616
Date
May 11, 2021
Instrument
2021059616
Lender
Name
CITIZENS BANK NA
Type
Bank
Address
PROVIDENCE, RI 02903
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
299 Months
Due
Apr 20, 2046
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
October 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
ESSEX NJ
Property Address
3 LAUREL CT, CALDWELL, NJ 07006-4181
Document Number
0000100826
Instrument Date
Oct 7, 2019
Transaction Type
Mortgage
Record Updated
Nov 8, 2019
Title Company
ENDURANCE ABSTRACT LLC, ENDURANCE ABS LLC
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
3 LAUREL CT NORTH CALDWELL NJ 070064181, NORTH CALDWELL, NJ 07006-4181
Mortgage
Document Number
0000100826
Date
Oct 23, 2019
Instrument
100826
Lender
Name
BNY MELLON NA
Type
Bank
Address
BOSTON, MA 02108
Agreement
Amount
Amount on Record
Term
360 Months
Due
Oct 22, 2049
Interest
Rate Type
Adjustable Rate
Rate
2.25%
March 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
ESSEX NJ
Property Address
3 LAUREL CT, CALDWELL, NJ 07006-4181
Document Number
0000031405
Instrument Date
Mar 25, 2019
Transaction Type
Mortgage
Record Updated
Jun 3, 2019
Title Company
NOT AVAILABLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
3 LAUREL CT NORTH CALDWELL NJ 070064181, NORTH CALDWELL, NJ 07006-4181
Mortgage
Document Number
0000031405
Date
Apr 5, 2019
Instrument
31405
Lender
Name
BNY MELLON NA
Type
Bank
Address
BOSTON, MA 02108
Agreement
Amount
Amount on Record
Term
360 Months
Due
Apr 4, 2049
Interest
Rate Type
Adjustable Rate
Rate
3.62%
Tax Assessment & Valuation
The 2025 property tax bill for 3 Laurel Ct was $34,308, up 2.2% from the year before.
Source: Essex County and North Caldwell Borough assessment roll, as of July 2, 2026
Property Jurisdictions
Type
Name
State
New Jersey
County
Essex County
Municipality
North Caldwell Borough
Elementary School District
North Caldwell Borough School District (KG - 06)
Secondary School District
West Essex Regional School District (07 - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$1,486,500 (-)Land $436,000Building $1,050,500
$1,486,500 (-)Land $436,000Building $1,050,500
2025
$34,308.00 (+2.21%)
$1,486,500Land $436,000Building $1,050,500
$1,486,500Land $436,000Building $1,050,500
2024
$33,565.00
2023
$1,298,800 (-)Land $436,000Building $862,800
$1,298,800 (-)Land $436,000Building $862,800
2022
$28,300.00 (-0.22%)
$1,298,800Land $436,000Building $862,800
$1,298,800Land $436,000Building $862,800
2021
$28,361.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 3 Laurel Ct in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1989.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone X minimal risk
Flood Insurance Requirement
Not required lenders may require it
Nearby Flood Policies
4 in force
Nearby Flood Claims
10 (1989–2021)
Claims Outside the SFHA
8 of 10
Most Recent Claim
Sep 2021 · Remnants Of Hurricane Ida
Claims by Event
Remnants Of Hurricane Ida, Sep 2021 · 2 claims
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire
Wildfire risk around 3 Laurel Ct 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 97% of the US · lower than 92% 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
NORTH CALDWELL WATER DEP serves 6,000 people · EPA ID NJ0715001
Water Source
Purchased surface water from several systems
Lead
4 ppb (2024–2026) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
3 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 175 locations within half a mile, as of December 31, 2025