REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000020222
Date
Feb 23, 2021
Instrument
2021020222
Lender
Name
PROVIDENT BANK
Type
Bank
Address
ISELIN, NJ 08830
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
359 Months
Due
Jan 1, 2051
August 2025: Deed, Transfer
Document Type
Deed
Jurisdiction
ESSEX NJ
Recording Date
Aug 27, 2025
Property Address
55 FERNDALE RD, CALDWELL, NJ 07006-3916
Document Number
0000054324
Instrument Date
Jul 30, 2025
Instrument
2025054324
Transaction Type
Transfer
Record Updated
Oct 16, 2025
Title Company
STEWART TITLE
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$1,775.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
151 W 42ND ST, NEW YORK, NY 10036-6563
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
55 FERNDALE RD, NORTH CALDWELL, NJ 07006-3916
Mortgage
Document Number
0000054325
Date
Aug 27, 2025
Instrument
2025054325
Lender
Name
UNITED WHOLESALE MORTGAGE
Type
Mortgage Company
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Sep 1, 2055
Interest
Rate Type
Adjustable Rate
Rate
5.99%
Type Change Date
Jan 1, 2031
Change Frequency
Annually
Min Rate At Change
4.99%
Max Rate At Change
6.99%
Index
1-Year T-Bill
Max Rate
6.99%
March 2022: Deed, Transfer
Document Type
Deed
Jurisdiction
ESSEX NJ
Recording Date
Mar 18, 2022
Property Address
55 FERNDALE RD, CALDWELL, NJ 07006-3916
Document Number
0000027827
Instrument Date
Mar 8, 2022
Instrument
2022027827
Transaction Type
Transfer
Record Updated
Apr 11, 2022
Title Company
ASSOCIATED TITLE AGENCY LLC
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$1,625.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
16 HIGHFIELD TER, 16, NORTH CALDWELL, NJ 07006-4711
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
55 FERNDALE RD, NORTH CALDWELL, NJ 07006-3916
Mortgage
Document Number
0000027833
Date
Mar 18, 2022
Instrument
2022027833
Lender
Name
CROSSCOUNTRY MORTGAGE LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Apr 1, 2052
March 2019: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
ESSEX NJ
Recording Date
Mar 4, 2019
Property Address
55 FERNDALE RD, CALDWELL, NJ 07006-3916
Document Number
0000019712
Instrument Date
Feb 27, 2019
Instrument
19712
Transaction Type
Transfer
Record Updated
May 28, 2019
Title Company
NOT AVAILABLE
Transaction
Amount
Amount on Record
Tax
$475.00
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
1 HAMILTON DR NORTH CALDWELL NJ 07006, NORTH CALDWELL, NJ 07006
Tax Assessment & Valuation
The 2025 property tax bill for 55 Ferndale Rd was $11,399, up 2.2% from the year before.
Source: Essex County and North Caldwell Borough assessment roll, as of July 2, 2026
Property Jurisdictions
Type
Name
State
New Jersey
County
Essex County
Municipality
North Caldwell Borough
Elementary School District
North Caldwell Borough School District (KG - 06)
Secondary School District
West Essex Regional School District (07 - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$493,900 (-)Land $251,000Building $242,900
$493,900 (-)Land $251,000Building $242,900
2025
$11,399.00 (+2.21%)
$493,900Land $251,000Building $242,900
$493,900Land $251,000Building $242,900
2024
$11,152.00
2023
$493,900Land $251,000Building $242,900
$493,900Land $251,000Building $242,900
2022
$10,762.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 55 Ferndale Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1989.
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
4 in force
Nearby Flood Claims
10 (1989–2021)
Claims Outside the SFHA
8 of 10
Most Recent Claim
Sep 2021 · Remnants Of Hurricane Ida
Claims by Event
Remnants Of Hurricane Ida, Sep 2021 · 2 claims
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 55 Ferndale Rd 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 93% of the US · lower than 81% 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
NORTH CALDWELL - HILLTOP serves 208 people · EPA ID NJ0715002
Water Source
Purchased surface water from ESSEX FELLS WATER HILLTOP SYSTEM
Lead
Under 1 ppb (2024–2026) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
1 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