31 Central Pl, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 31 Central Pl, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	3,304 sqft · built 1926
Lot Size	0.279 acres (12,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Mar 2004)
Tax Bill	$22,649 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-00032-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`03-00032-0000-00003`
Alternative APNs	`030003200003` `00000760`

Interior

Building Area	3,304 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1928
Lot Area	12,150 sqft (0.279 acres)
Lot Dimensions	150 ft deep x 81 ft wide

Location & Zoning

Account Number	00000760
Street Address	31 CENTRAL PL
City	CALDWELL
State	NJ
Zip	07006-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	81X150 IRR
Legal Block	32
Legal Lot Number	3
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1001
Census Tract	21701

Owner

Source: Essex County and Caldwell Borough records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 30, 2021	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2004 · Amount on Record
Deed Sale	Mar 11, 2004 · Amount on Record
Deed Book / Page	6052 / 517
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Jun 17, 2026
Property Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816
Document Number	0000040516
Instrument Date	Jun 11, 2026
Instrument	202640516
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816

Mortgage

Document Number	0000040516,
Date	Jun 17, 2026
Instrument	202640516

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 16, 2051

Interest

Rate	6.36%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816
Transaction Type	Mortgage
Record Updated	Nov 5, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC OH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816

Mortgage

Document Number	0000063902
Date	Oct 10, 2025
Instrument	2025063902

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	SERVICELINK HOME EQUITY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021055190
Date	Apr 30, 2021
Instrument	2021055190

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	31 CENTRAL PL, CALDWELL, NJ 07006-4816
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	WORLD CLASS ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021038137
Date	Mar 29, 2021
Instrument	2021038137

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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		$695,400 (-) Land $262,700 Building $432,700	$695,400 (-) Land $262,700 Building $432,700
2025	$22,649.00 (+2.29%)	$695,400 (-) Land $262,700 Building $432,700	$695,400 (-) Land $262,700 Building $432,700
2024	$22,141.00 (+5.33%)
2023		$695,400 Land $262,700 Building $432,700	$695,400 Land $262,700 Building $432,700
2022	$21,021.00

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

Flood

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 87% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 403 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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