8 Thomas St, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 8 Thomas St, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	2,794 sqft · built 1904
Lot Size	0.195 acres (8,481 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Apr 2016)
Tax Bill	$14,546 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00043-01-00019-01`

Property Details

APN / Parcel Number

Primary APN	`03-00043-01-00019-01`
Alternative APNs	`03000430001000190001` `00001223`

Interior

Stories	3 Stories
Building Area	2,794 sqft Living Area

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Construction Type	Frame
Lot Area	8,481 sqft (0.195 acres)
Lot Dimensions	160 ft deep x 53 ft wide
Garage Type	Detached

Location & Zoning

Account Number	00001223
Street Address	8 THOMAS ST
City	CALDWELL
State	NJ
Zip	07006-5612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	53X160
Legal Block	43.1
Legal Lot Number	19.1
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	2
Census Block	2004
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	Individual Name on Record
Mailing Address	8 THOMAS ST, CALDWELL, NJ 07006-5612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed, Transfer · Conventional Mortgage M & T BANK NA
Sep 28, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2016 · Amount on Record
Deed Sale	Apr 18, 2016 · Amount on Record
Prior Sale	Dec 14, 2006 · Amount on Record
Deed Document Number	201632543
Last Transfer Date	Sep 22, 2023
Transfer Doc	0000058448
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 16, 2026
Property Address	8 THOMAS ST, CALDWELL, NJ 07006-5612
Document Number	0000039968
Instrument Date	May 28, 2026
Instrument	202639968
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	TITLE ON DEMAND/NJ INC, TITLE ON DEMAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$94,435.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 THOMAS ST, CALDWELL, NJ 07006-5612

Mortgage

Document Number	0000039969,
Date	Jun 16, 2026
Instrument	202639969

Lender

Name	M & T BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESSEX NJ
Recording Date	Sep 28, 2023
Property Address	8 THOMAS ST, CALDWELL, NJ 07006-5612
Document Number	0000058448
Instrument Date	Sep 22, 2023
Instrument	2023058448
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	RESIDENTIAL COMMERCIAL TITLE AGENCY LLC, RESIDENTIAL COM TTL AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 ELMWOOD DR, LIVINGSTON, NJ 07039-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 THOMAS ST, CALDWELL, NJ 07006-5612

Mortgage

Document Number	0000058449
Date	Sep 28, 2023
Instrument	2023058449

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	8 THOMAS ST, CALDWELL, NJ 07006-5612
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CHURCHILL TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018190
Date	Feb 17, 2021
Instrument	2021018190

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

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

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		$446,600 (-) Land $244,100 Building $202,500	$446,600 (-) Land $244,100 Building $202,500
2025	$14,546.00 (+2.3%)	$446,600 (-) Land $244,100 Building $202,500	$446,600 (-) Land $244,100 Building $202,500
2024	$14,219.00 (+5.33%)
2023		$446,600 (-) Land $244,100 Building $202,500	$446,600 (-) Land $244,100 Building $202,500
2022	$13,500.00 (+5.03%)	$446,600 Land $244,100 Building $202,500	$446,600 Land $244,100 Building $202,500
2021	$12,853.00

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 99.1% of the US · lower than 97.3% 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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