46 Thomas St, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 46 Thomas St, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,398 sqft · built 1924
Lot Size	0.18 acres (7,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jul 2022)
Tax Bill	$12,253 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00043-0000-00004-08`

Property Details

APN / Parcel Number

Primary APN	`03-00043-0000-00004-08`
Alternative APNs	`03000430000000040008` `00001187`

Interior

Building Area	1,398 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Lot Area	7,850 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide

Location & Zoning

Account Number	00001187
Street Address	46 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	OUTLOOK HOTEL CO
Legal Block	43
Legal Lot Number	4.8
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	46 THOMAS ST, CALDWELL, NJ 07006-5613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 15, 2017	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Aug 15, 2017 · Amount on Record
Deed Document Number	202265325
Prior Transfer Date	Jul 31, 2017
Prior Transfer Doc	0000071883
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 12, 2022
Property Address	46 THOMAS ST, CALDWELL, NJ 07006-5613
Document Number	0000065325
Instrument Date	Jun 25, 2022
Instrument	2022065325
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 THOMAS ST, 46, CALDWELL, NJ 07006-5613

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	46 THOMAS ST, CALDWELL, NJ 07006-5613

Mortgage

Document Number	0000065326
Date	Jul 12, 2022
Instrument	2022065326

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Aug 15, 2017
Property Address	46 THOMAS ST, CALDWELL, NJ 07006-5613
Document Number	0000071883
Instrument Date	Jul 31, 2017
Instrument	2017071883
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 THOMAS ST, 46, CALDWELL, NJ 07006-5613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 ACADEMY RD APT 2K1, 2K1, CALDWELL, NJ 07006-5448

Mortgage

Document Number	0000071888
Date	Aug 15, 2017
Instrument	2017071888

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	46 THOMAS ST, CALDWELL, NJ 07006-5613
Document Number	0000032649
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Jun 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 THOMAS ST CALDWELL NJ 070065613, CALDWELL, NJ 07006-5613

Mortgage

Document Number	0000032649
Date	Apr 17, 2018
Instrument	32649

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

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		$376,200 (-) Land $240,500 Building $135,700	$376,200 (-) Land $240,500 Building $135,700
2025	$12,253.00 (+2.3%)	$376,200 (-) Land $240,500 Building $135,700	$376,200 (-) Land $240,500 Building $135,700
2024	$11,978.00 (+5.33%)
2023		$376,200 Land $240,500 Building $135,700	$376,200 Land $240,500 Building $135,700
2022	$11,372.00

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.

Nearby Properties on Thomas St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures