54 Mountain Ave, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 54 Mountain Ave, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,660 sqft · built 1900
Lot Size	0.403 acres (17,550 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jul 2022)
Tax Bill	$12,510 (2025)
Deeds & Mortgages	Jul 2022 Sale & Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-00007-01-00001-02`

Property Details

APN / Parcel Number

Primary APN	`03-00007-01-00001-02`
Alternative APNs	`03000070001000010002` `00000131`

Interior

Building Area	1,660 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	17,550 sqft (0.403 acres)
Lot Dimensions	390 ft deep x 45 ft wide

Location & Zoning

Account Number	00000131
Street Address	54 MOUNTAIN AVE
City	CALDWELL
State	NJ
Zip	07006-5308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	45X390 IRR
Legal Block	7.1
Legal Lot Number	1.2
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	2
Census Block	2002
Census Tract	21701

Owner

54 Mountain Ave is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308
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
Jul 6, 2022	Bargain and Sale Deed, Transfer · Line of Credit EMBRACE HOME LOANS INC
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage GARDEN ST HM LNS INC
Jun 15, 2020	Quit Claim Deed, Transfer GARDEN ST HM LNS INC
Sep 4, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Sep 4, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on File
Deed Sale	Jul 6, 2022 · Amount on File
Prior Sale	Sep 4, 2018 · Amount on File
Deed Document Number	202263406
Prior Transfer Date	Jun 7, 2020
Prior Transfer Doc	0000055625
Record Updated	Oct 29, 2026

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ESSEX NJ
Recording Date	Jul 6, 2022
Property Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308
Document Number	0000063406
Instrument Date	Jun 30, 2022
Instrument	2022063406
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	CLEAR SKIES TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,212.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1720 VALLEY RD, 1720, MILLINGTON, NJ 07946-1606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308

Mortgage

Document Number	0000063407
Date	Jul 6, 2022
Instrument	2022063407

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308
Document Number	0000055626
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	HUNTER TITLE AGENCY, HUNTER TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 MOUNTAIN AVE CALDWELL NJ 070065308, CALDWELL, NJ 07006-5308

Mortgage

Document Number	0000055626
Date	Jun 15, 2020
Instrument	55626

Lender

Name	GARDEN ST HM LNS INC
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 15, 2020
Property Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308
Document Number	0000055625
Instrument Date	Jun 3, 2020
Instrument	55625
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	HUNTER TITLE AGENCY, HUNTER TITLE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 MOUNTAIN AVE CALDWELL NJ 070065308, CALDWELL, NJ 07006-5308

Mortgage

Document Number	55626
Date	Jun 15, 2020
Instrument	55626

Lender

Name	GARDEN ST HM LNS INC
Address	CHERRY HILL, NJ 08003

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 4, 2018
Property Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308
Document Number	0000076811
Instrument Date	Aug 22, 2018
Instrument	76811
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.00
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	54 MOUNTAIN AVE CALDWELL NJ 070065308, CALDWELL, NJ 07006-5308

Mortgage

Document Number	76850
Date	Sep 4, 2018
Instrument	76850

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 4, 2018
Property Address	54 MOUNTAIN AVE, CALDWELL, NJ 07006-5308
Document Number	0000076806
Instrument Date	May 22, 2018
Instrument	76806
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 MOUNTAIN AVE CALDWELL NJ 070065308, CALDWELL, NJ 07006-5308

Tax Assessment & Valuation

The 2025 property tax bill for 54 Mountain Ave was $12,510, 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		$384,100 (-) Land $267,200 Building $116,900	$384,100 (-) Land $267,200 Building $116,900
2025	$12,510.00 (+2.3%)	$384,100 Land $267,200 Building $116,900	$384,100 Land $267,200 Building $116,900
2024	$12,229.00
2023		$384,100 Land $267,200 Building $116,900	$384,100 Land $267,200 Building $116,900
2022	$11,611.00

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

Flood

FEMA maps place 54 Mountain Ave 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

Wildfire risk around 54 Mountain Ave 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	Direct burnable vegetation

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 240 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
Optimum Cable · Fiber in parts of the area	940 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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