346 Central Ave, Caldwell, NJ 07006 Property Records

Essex County and North Caldwell Borough property record for 346 Central Ave, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	3,529 sqft · built 1972
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$421,000 (Jul 1994)
Tax Bill	$19,563 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-01106-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`15-01106-0000-00003`
Alternative APNs	`1501204000000017` `150110600003`

Interior

Stories	1 Story
Building Area	3,529 sqft Living Area
1st Floor Area	3,529 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Lot Area	43,560 sqft
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1501204000000017
Street Address	346 CENTRAL AVE
City	CALDWELL
State	NJ
Zip	07006-4246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1.00 AC
Legal Block	1106
Legal Lot Number	3
Jurisdiction	ESSEX NJ
Township / Civil Division	NORTH CALDWELL
Census Block Group	5
Census Block	5014
Census Tract	21602

Owner

346 Central Ave is owned and occupied by two individuals who bought it in July 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	346 CENTRAL AVE, CALDWELL, NJ 07006-4246
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
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Nov 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG
Sep 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1994 · Amount on File
Deed Sale	Jul 1, 1994 · Amount on File
Deed Book / Page	5318 / 281
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	346 CENTRAL AVE, CALDWELL, NJ 07006-4246
Document Number	0000032155
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 CENTRAL AVE CALDWELL NJ 070064246, CALDWELL, NJ 07006-4246

Mortgage

Document Number	0000032155
Date	Mar 25, 2020
Instrument	32155

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114-6043

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	346 CENTRAL AVE, CALDWELL, NJ 07006-4246
Document Number	0000115719
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	ELITE TITLE GROUP LLC, ELITE TITLE GRP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	346 CENTRAL AVE NORTH CALDWELL NJ 070064246, NORTH CALDWELL, NJ 07006-4246

Mortgage

Document Number	0000115719
Date	Dec 7, 2019
Instrument	115719

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	346 CENTRAL AVE, CALDWELL, NJ 07006-4246
Document Number	0000082299
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	346 CENTRAL AVE NORTH CALDWELL NJ 070064246, NORTH CALDWELL, NJ 07006-4246

Mortgage

Document Number	0000082299
Date	Sep 15, 2017
Instrument	82299

Lender

Name	COLUMBIA BK
Type	Bank
Address	FAIR LAWN, NJ 07410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 14, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 346 Central Ave was $19,563, 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		$847,600 (-) Land $356,400 Building $491,200	$847,600 (-) Land $356,400 Building $491,200
2025	$19,563.00 (+2.22%)	$847,600 Land $356,400 Building $491,200	$847,600 Land $356,400 Building $491,200
2024	$19,138.00
2023		$847,600 Land $356,400 Building $491,200	$847,600 Land $356,400 Building $491,200
2022	$18,469.00

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

Flood

FEMA maps place 346 Central Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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	5 in force
Nearby Flood Claims	7 (1979–2022)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Oct 2022 · other causes

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 346 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 94% of the US · lower than 85% 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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