4 Spruce Rd, Caldwell, NJ 07006 Property Records

Essex County and North Caldwell Borough property record for 4 Spruce Rd, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	2,407 sqft · built 1961
Lot Size	0.576 acres (25,100 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Dec 2025)
Tax Bill	$15,261 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-01404-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`15-01404-0000-00001`
Alternative APN	`150140400001`

Interior

Stories	1 Story
Building Area	2,407 sqft Living Area
1st Floor Area	2,407 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Lot Area	25,100 sqft (0.576 acres)
Lot Dimensions	251 ft deep x 100 ft wide

Location & Zoning

Old Parcel Number	150140400001
Street Address	4 SPRUCE RD
City	CALDWELL
State	NJ
Zip	07006-4556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	100X251 IRR
Legal Block	1404
Legal Lot Number	1
Jurisdiction	ESSEX NJ
Township / Civil Division	NORTH CALDWELL
Census Block Group	2
Census Block	2001
Census Tract	21602

Owner

4 Spruce Rd is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 SPRUCE RD, CALDWELL, NJ 07006-4556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on File
Deed Sale	Dec 22, 2025 · Amount on File
Prior Sale	Oct 30, 2014 · Amount on File
Deed Document Number	202579950
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Dec 22, 2025
Property Address	4 SPRUCE RD, CALDWELL, NJ 07006-4556
Document Number	0000079950
Instrument Date	Dec 9, 2025
Instrument	2025079950
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	STEWART TITLE GUARANTY COMPA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	743 PASSAIC AVE, CLIFTON, NJ 07012-1826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SPRUCE RD, NORTH CALDWELL, NJ 07006-4556

Mortgage

Document Number	0000079951
Date	Dec 22, 2025
Instrument	2025079951

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 4 Spruce Rd was $15,261, 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		$661,200 (-) Land $387,000 Building $274,200	$661,200 (-) Land $387,000 Building $274,200
2025	$15,261.00 (+2.22%)	$661,200 Land $387,000 Building $274,200	$661,200 Land $387,000 Building $274,200
2024	$14,929.00
2023		$661,200 Land $387,000 Building $274,200	$661,200 Land $387,000 Building $274,200
2022	$14,407.00

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

Flood

FEMA maps place 4 Spruce Rd in Zone X, an area of minimal flood risk, though there have been 11 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	11 (1979–2021)
Claims Outside the SFHA	11 of 11
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 4 claims

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 4 Spruce Rd 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 96% of the US · lower than 89% 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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