397 Mountain Ave, Caldwell, NJ 07006 Property Records

Essex County and North Caldwell Borough property record for 397 Mountain Ave, Caldwell, NJ 07006 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5,296 sqft · built 1967
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Sep 2022)
Tax Bill	$23,816 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jan 2024 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`15-01200-0000-00044`

Property Details

APN / Parcel Number

Primary APN	`15-01200-0000-00044`

Interior

Stories	2 Stories
Building Area	5,296 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	43,560 sqft

Location & Zoning

Street Address	397 MOUNTAIN AVE
City	CALDWELL
State	NJ
Zip	07006-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.00 AC
Legal Subdivision	BOROUGH/NORTH CALDWELL
Legal Block	1200
Legal Lot Number	44
Jurisdiction	ESSEX NJ
Township / Civil Division	NORTH CALDWELL
Census Block Group	5
Census Block	5012
Census Tract	21602

Owner

Source: Essex County and North Caldwell Borough records · APN 15-01200-0000-00044

Assessment roll updated July 2, 2026 · Last verified July 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 File
Mailing Address	397 MOUNTAIN AVE, CALDWELL, NJ 07006-4301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Jan 11, 2024	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Sep 19, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 26, 2021	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Prior Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	202285265
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	397 MOUNTAIN AVE, CALDWELL, NJ 07006-4301
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	TSI TITLE AND ESCROW, SILK TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002443
Date	Jan 12, 2026
Instrument	2026002443

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 01, 2045

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	397 MOUNTAIN AVE, CALDWELL, NJ 07006-4301
Transaction Type	Mortgage
Record Updated	Feb 05, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002162
Date	Jan 11, 2024
Instrument	2024002162

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 19, 2022
Property Address	397 MOUNTAIN AVE, CALDWELL, NJ 07006-4301
Document Number	0000085265
Instrument Date	Sep 09, 2022
Instrument	2022085265
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	INVESTMENT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 COLONIAL RD, 74, MIDLAND PARK, NJ 07432-1218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MOUNTAIN AVE, NORTH CALDWELL, NJ 07006-4301

Mortgage

Document Number	0000085266
Date	Sep 19, 2022
Instrument	2022085266

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 26, 2021
Property Address	397 MOUNTAIN AVE, CALDWELL, NJ 07006-4301
Document Number	2021091016
Instrument Date	Jun 25, 2021
Instrument	2021091016
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,272.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37 WOODLAND RD, 37, ROSELAND, NJ 07068-1219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MOUNTAIN AVE, NORTH CALDWELL, NJ 07006-4301

Mortgage

Document Number	2021091017
Date	Jul 26, 2021
Instrument	2021091017

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Essex County and North Caldwell Borough records · Assessment roll updated July 2, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,031,900 (-) Land $314,500 Building $717,400	$1,031,900 (-) Land $314,500 Building $717,400
2025	$23,816.00 (+2.21%)	$1,031,900 (-8.71%) Land $314,500 Building $717,400	$1,031,900 (-8.71%) Land $314,500 Building $717,400
2024	$23,300.00 (-5.4%)
2023		$1,130,400 Land $314,500 Building $815,900	$1,130,400 Land $314,500 Building $815,900
2022	$24,631.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (34013C), updated September 24, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340130216025, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 196 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Verizon	Fiber	2,300 / 2,300
Optimum Communications	Cable	940 / 35
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Mountain Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures