45 Espy Rd, Apt 15A, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 45 Espy Rd, Apt 15A, Caldwell, NJ 07006

Property Summary

Property Type	Condominium
Details	787 sqft · built 1964
Lot Size	0.024 acres (1,037 sqft)
Owner	Individual Name on File
Last Sale	$175,500 (Sep 2008)
Tax Bill	$5,527 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00036-01-00015-09`

Property Details

APN / Parcel Number

Primary APN	`03-00036-01-00015-09`
Alternative APNs	`03000360001000150009` `00000974`

Interior

Building Area	787 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Condo/Apartment
Lot Area	1,037 sqft (0.024 acres)

Location & Zoning

Account Number	00000974
Street Address	45 ESPY RD, 15A
City	CALDWELL
State	NJ
Zip	07006-4867
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RD
Legal Description	CONDO
Legal Subdivision	ESPY ROAD
Legal Block	36.1
Legal Lot Number	15.9
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1005
Census Tract	21701

Owner

45 Espy Rd, Apt 15A is owned and occupied by an individual who bought it in September 2008.

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

Owner of Record	Individual Name on File
Mailing Address	45 ESPY RD, 15A, CALDWELL, NJ 07006-4867
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
Oct 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2008 · Amount on File
Deed Sale	Sep 18, 2008 · Amount on File
Deed Document Number	20088086780
Deed Book / Page	12158 / 8937
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	45 ESPY RD APT 15A, 15A, CALDWELL, NJ 07006-4867
Transaction Type	Mortgage
Record Updated	Nov 22, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095762
Date	Oct 27, 2022
Instrument	2022095762

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	45 ESPY RD APT 15A, 15A, CALDWELL, NJ 07006-4867
Document Number	0000042295
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ESPY RD #15A CALDWELL NJ 070064867, 15A, CALDWELL, NJ 07006-4867

Mortgage

Document Number	0000042295
Date	May 16, 2017
Instrument	42295

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 15, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 45 Espy Rd, Apt 15A was $5,527, 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		$169,700 (-) Land $90,000 Building $79,700	$169,700 (-) Land $90,000 Building $79,700
2025	$5,527.00 (+2.3%)	$169,700 Land $90,000 Building $79,700	$169,700 Land $90,000 Building $79,700
2024	$5,403.00
2023		$169,700 Land $90,000 Building $79,700	$169,700 Land $90,000 Building $79,700
2022	$5,130.00

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

Flood

FEMA maps place 45 Espy Rd, Apt 15A in Zone X, an area of minimal flood risk.

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

The area around 45 Espy Rd, Apt 15A has no burnable land within ember reach, so its wildfire risk is not rated.

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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