89 Central Ave, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 89 Central Ave, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	836 sqft · built 1924
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (May 2021)
Tax Bill	$9,181 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-00032-0000-00004-07`

Property Details

APN / Parcel Number

Primary APN	`03-00032-0000-00004-07`
Alternative APNs	`03000320000000040007` `00000768`

Interior

Building Area	836 sqft Living Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	150 ft deep x 40 ft wide

Location & Zoning

Account Number	00000768
Street Address	89 CENTRAL AVE
City	CALDWELL
State	NJ
Zip	07006-4843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	40X150 IRR
Legal Block	32
Legal Lot Number	4.7
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1001
Census Tract	21701

Owner

89 Central Ave is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	89 CENTRAL AVE, CALDWELL, NJ 07006-4843
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
May 7, 2021	Deed, Transfer · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC
Jul 7, 2020	Deed of Trust, Mortgage · Line of Credit CONNECTONE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on File
Deed Sale	May 7, 2021 · Amount on File
Prior Sale	Jul 2, 2008 · Amount on File
Deed Document Number	202158389
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	May 7, 2021
Property Address	89 CENTRAL AVE, CALDWELL, NJ 07006-4843
Document Number	2021058389
Instrument Date	Apr 15, 2021
Instrument	2021058389
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	METRO TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2885 STELLAR LOOP, 2885, MYRTLE BEACH, SC 29577-9001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CENTRAL AVE, CALDWELL, NJ 07006-4843

Mortgage

Document Number	2021058390
Date	May 7, 2021
Instrument	2021058390

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	89 CENTRAL AVE, CALDWELL, NJ 07006-4843
Document Number	0000066791
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	89 CENTRAL AVE CALDWELL NJ 070064843, CALDWELL, NJ 07006-4843

Mortgage

Document Number	0000066791
Date	Jul 20, 2020
Instrument	66791

Lender

Name	CONNECTONE BK
Type	Bank
Address	UNION, NJ 07083

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 19, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 89 Central Ave was $9,181, 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		$281,900 (-) Land $207,000 Building $74,900	$281,900 (-) Land $207,000 Building $74,900
2025	$9,181.00 (+2.3%)	$281,900 Land $207,000 Building $74,900	$281,900 Land $207,000 Building $74,900
2024	$8,975.00
2023		$281,900 Land $207,000 Building $74,900	$281,900 Land $207,000 Building $74,900
2022	$8,521.00

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

Flood

FEMA maps place 89 Central 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 89 Central 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 98% of the US · lower than 94% 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 655 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

May also be available: Optimum.

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