35 Prospect St, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 35 Prospect St, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,473 sqft · built 1941
Lot Size	0.201 acres (8,751 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Mar 2021)
Tax Bill	$13,119 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-00041-01-00017`

Property Details

APN / Parcel Number

Primary APN	`03-00041-01-00017`
Alternative APNs	`0300041000100017` `00001106`

Interior

Building Area	1,473 sqft Living Area

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Lot Area	8,751 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide

Location & Zoning

Account Number	00001106
Street Address	35 PROSPECT ST
City	CALDWELL
State	NJ
Zip	07006-5530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	70X125
Legal Subdivision	CALDWELL
Legal Block	41.1
Legal Lot Number	17
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	2
Census Block	2002
Census Tract	21702

Owner

Source: Essex County and Caldwell Borough records, as of July 2, 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	35 PROSPECT ST, CALDWELL, NJ 07006-5530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PICATINNY FCU
Mar 26, 2021	Deed, Transfer · Conventional Mortgage MORTGAGE UNLIMITED
May 22, 2019	Deed of Trust, Mortgage · VA Mortgage WINTRUST MTG
Aug 16, 2018	Grant Deed, Transfer · VA Mortgage WINTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Aug 16, 2018 · Amount on Record
Deed Document Number	202137722
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	35 PROSPECT ST, CALDWELL, NJ 07006-5530
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042865
Date	Jul 18, 2023
Instrument	2023042865

Lender

Name	PICATINNY FCU
Type	Credit Union
Address	DOVER, NJ 07801

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 1, 2030

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Mar 26, 2021
Property Address	35 PROSPECT ST, CALDWELL, NJ 07006-5530
Document Number	2021037722
Instrument Date	Jan 15, 2021
Instrument	2021037722
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	REALSAFE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 SPRINGDALE RD NE, 1020, ATLANTA, GA 30306-2654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 PROSPECT ST, CALDWELL, NJ 07006-5530

Mortgage

Document Number	2021037723
Date	Mar 26, 2021
Instrument	2021037723

Lender

Name	MORTGAGE UNLIMITED
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	35 PROSPECT ST, CALDWELL, NJ 07006-5530
Document Number	0000051439
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35 PROSPECT ST CALDWELL NJ 070065530, CALDWELL, NJ 07006-5530

Mortgage

Document Number	0000051439
Date	Jun 6, 2019
Instrument	51439

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 16, 2018
Property Address	35 PROSPECT ST, CALDWELL, NJ 07006-5530
Document Number	0000071680
Instrument Date	Aug 9, 2018
Instrument	71680
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35 PROSPECT ST CALDWELL NJ 070065530, CALDWELL, NJ 07006-5530

Mortgage

Document Number	71684
Date	Aug 16, 2018
Instrument	71684

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

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		$402,800 (-) Land $243,700 Building $159,100	$402,800 (-) Land $243,700 Building $159,100
2025	$13,119.00 (+2.29%)	$402,800 (-) Land $243,700 Building $159,100	$402,800 (-) Land $243,700 Building $159,100
2024	$12,825.00 (+5.33%)
2023		$402,800 Land $243,700 Building $159,100	$402,800 Land $243,700 Building $159,100
2022	$12,176.00

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 · 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	2 in force
Nearby Flood Claims	4 (1983–2022)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2022 · tidal / storm surge

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

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	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 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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