42 Thomas St, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 42 Thomas St, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,432 sqft · built 1921
Lot Size	0.18 acres (7,850 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Sep 2020)
Tax Bill	$10,719 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00043-0000-00004-01`

Property Details

APN / Parcel Number

Primary APN	`03-00043-0000-00004-01`
Alternative APNs	`03000430000000040001` `00001180`

Interior

Building Area	1,432 sqft Living Area

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Lot Area	7,850 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide

Location & Zoning

Account Number	00001180
Street Address	42 THOMAS ST
City	CALDWELL
State	NJ
Zip	07006-5613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	50X157
Legal Block	43
Legal Lot Number	4.1
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	2
Census Block	2006
Census Tract	21702

Owner

42 Thomas St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	42 THOMAS ST, CALDWELL, NJ 07006-5613
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHFIELD BANK
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L
Sep 24, 2020	Grant Deed, Transfer · Conventional Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	May 26, 2010 · Amount on File
Deed Document Number	202093263
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	42 THOMAS ST, CALDWELL, NJ 07006-5613
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044217
Date	May 3, 2022
Instrument	2022044217

Lender

Name	NORTHFIELD BANK
Type	Bank
Address	WOODBRIDGE, NJ 07095

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 2, 2042

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	42 THOMAS ST, CALDWELL, NJ 07006-5613
Document Number	0000093264
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	EVIDENT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	42 THOMAS ST CALDWELL NJ 070065613, CALDWELL, NJ 07006-5613

Mortgage

Document Number	0000093264
Date	Sep 24, 2020
Instrument	93264

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 24, 2020
Property Address	42 THOMAS ST, CALDWELL, NJ 07006-5613
Document Number	0000093263
Instrument Date	Sep 8, 2020
Instrument	93263
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	EVIDENT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
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 THOMAS ST CALDWELL NJ 070065613, CALDWELL, NJ 07006-5613

Mortgage

Document Number	93264
Date	Sep 24, 2020
Instrument	93264

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 42 Thomas St was $10,719, up 2.3% from the year before.

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		$329,100 (-) Land $240,500 Building $88,600	$329,100 (-) Land $240,500 Building $88,600
2025	$10,719.00 (+2.3%)	$329,100 Land $240,500 Building $88,600	$329,100 Land $240,500 Building $88,600
2024	$10,478.00
2023		$329,100 Land $240,500 Building $88,600	$329,100 Land $240,500 Building $88,600
2022	$9,948.00

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

Flood

FEMA maps place 42 Thomas St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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

Wildfire risk around 42 Thomas St 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	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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