44 Thomas St, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 44 Thomas St, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,614 sqft · built 1920
Lot Size	0.18 acres (7,850 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,950 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00043-0000-00004-05`

Property Details

APN / Parcel Number

Primary APN	`03-00043-0000-00004-05`
Alternative APNs	`03000430000000040005` `00001184`

Interior

Building Area	1,614 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	7,850 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide

Location & Zoning

Account Number	00001184
Street Address	44 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 Subdivision	OVERLOOK HOTEL CO
Legal Block	43
Legal Lot Number	4.5
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	2
Census Block	2006
Census Tract	21702

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	44 THOMAS ST, CALDWELL, NJ 07006-5613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	44 THOMAS ST, CALDWELL, NJ 07006-5613
Transaction Type	Mortgage
Record Updated	May 10, 2021
Title Company	CROSSCOUNTRY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021042396
Date	Apr 7, 2021
Instrument	2021042396

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	44 THOMAS ST, CALDWELL, NJ 07006-5613
Document Number	0000102691
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	CROSS COUNTY ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	41 THOMAS ST CALDWELL NJ 07006, CALDWELL, NJ 07006

Mortgage

Document Number	0000102691
Date	Nov 27, 2017
Instrument	102691

Lender

Name	TOTAL MTG SVCS
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional 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		$366,900 (-) Land $240,500 Building $126,400	$366,900 (-) Land $240,500 Building $126,400
2025	$11,950.00 (+2.29%)	$366,900 (-) Land $240,500 Building $126,400	$366,900 (-) Land $240,500 Building $126,400
2024	$11,682.00 (+5.33%)
2023		$366,900 Land $240,500 Building $126,400	$366,900 Land $240,500 Building $126,400
2022	$11,091.00

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 · 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

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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