36 Espy Rd, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 36 Espy Rd, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,239 sqft · built 1952
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$626,000 (Mar 2022)
Tax Bill	$14,279 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2017 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-00036-0000-00039`

Property Details

APN / Parcel Number

Primary APN	`03-00036-0000-00039`
Alternative APNs	`030003600039` `00000889`

Interior

Building Area	1,239 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide

Location & Zoning

Account Number	00000889
Street Address	36 ESPY RD
City	CALDWELL
State	NJ
Zip	07006-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	75X115
Legal Block	36
Legal Lot Number	39
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1004
Census Tract	21701

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	36 ESPY RD, CALDWELL, NJ 07006-4811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Apr 28, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING AND MORTGAGE FINANCE
Jan 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 4, 2022	Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC
Aug 20, 2021	Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Aug 20, 2021 · Amount on Record
Deed Document Number	202221028
Prior Transfer Date	Sep 18, 2008
Prior Transfer Doc	0008089607
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 10, 2026
Property Address	36 ESPY RD, CALDWELL, NJ 07006-4811
Document Number	0000045375
Instrument Date	Jun 27, 2026
Instrument	202645375
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,225.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 ESPY RD, CALDWELL, NJ 07006-4811

Mortgage

Document Number	0000045377,
Date	Jul 10, 2026
Instrument	202645377

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	36 ESPY RD, CALDWELL, NJ 07006-4811
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	BLANK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037783
Date	Apr 28, 2017
Instrument	2017037783

Lender

Name	NEW JERSEY HOUSING AND MORTGAGE FINANCE
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	36 ESPY RD, CALDWELL, NJ 07006-4811
Transaction Type	Mortgage
Record Updated	Aug 18, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000151
Date	Jan 4, 2021
Instrument	2021000151

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2050

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Mar 4, 2022
Property Address	36 ESPY RD, CALDWELL, NJ 07006-4811
Document Number	0000021028
Instrument Date	Feb 15, 2022
Instrument	2022021028
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,565.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 LAKE AVE, 513, LYNDHURST, NJ 07071-1140

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	36 ESPY RD, CALDWELL, NJ 07006-4811

Mortgage

Document Number	0000021029
Date	Mar 4, 2022
Instrument	2022021029

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

August 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 20, 2021
Property Address	36 ESPY RD, CALDWELL, NJ 07006-4811
Document Number	0000102924
Instrument Date	Jun 30, 2021
Instrument	2021102924
Transaction Type	Construction Loan
Record Updated	Aug 18, 2022
Title Company	VETS TITLE AGENCY LLC, ADVENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$666.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	155 CLINTON RD, 155, WEST CALDWELL, NJ 07006-6601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 ESPY RD, CALDWELL, NJ 07006-4811

Mortgage

Document Number	0000102925
Date	Aug 20, 2021
Instrument	2021102925

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$438,400 (-) Land $258,300 Building $180,100	$438,400 (-) Land $258,300 Building $180,100
2025	$14,279.00 (+2.3%)	$438,400 (+0.25%) Land $258,300 Building $180,100	$438,400 (+0.25%) Land $258,300 Building $180,100
2024	$13,958.00 (+5.59%)
2023		$437,300 Land $258,300 Building $179,000	$437,300 Land $258,300 Building $179,000
2022	$13,219.00

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	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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