42 Espy Rd, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 42 Espy Rd, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	900 sqft · built 1954
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Oct 2019)
Tax Bill	$9,781 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-00036-0000-00036`

Property Details

APN / Parcel Number

Primary APN	`03-00036-0000-00036`
Alternative APNs	`030003600036` `00000887`

Interior

Building Area	900 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide

Location & Zoning

Account Number	00000887
Street Address	42 ESPY RD
City	CALDWELL
State	NJ
Zip	07006-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	50X115
Legal Subdivision	RIDGE/CALDWELL CONDO BLDG F
Legal Block	36
Legal Lot Number	36
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	42 ESPY RD, CALDWELL, NJ 07006-4811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Oct 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 17, 2019	Grant Deed, Transfer · Conventional with PMI CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on Record
Deed Sale	Oct 17, 2019 · Amount on Record
Deed Document Number	201998952
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	42 ESPY RD, CALDWELL, NJ 07006-4811
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	EVIDENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074855
Date	Dec 3, 2025
Instrument	2025074855

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	42 ESPY RD, CALDWELL, NJ 07006-4811
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089118
Date	Oct 3, 2022
Instrument	2022089118

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	42 ESPY RD, CALDWELL, NJ 07006-4811
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021016143
Date	Feb 10, 2021
Instrument	2021016143

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Oct 17, 2019
Property Address	42 ESPY RD, CALDWELL, NJ 07006-4811
Document Number	0000098952
Instrument Date	Sep 10, 2019
Instrument	98952
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	SIMPLICITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
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	42 ESPY RD CALDWELL NJ 070064811, CALDWELL, NJ 07006-4811

Mortgage

Document Number	98956
Date	Oct 17, 2019
Instrument	98956

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

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		$310,900 (+3.53%) Land $235,500 Building $75,400	$310,900 (+3.53%) Land $235,500 Building $75,400
2025	$9,781.00 (+2.3%)	$300,300 (-) Land $235,500 Building $64,800	$300,300 (-) Land $235,500 Building $64,800
2024	$9,561.00 (+5.32%)
2023		$300,300 Land $235,500 Building $64,800	$300,300 Land $235,500 Building $64,800
2022	$9,078.00

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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