91 Central Ave, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 91 Central Ave, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	2,030 sqft · built 1900
Lot Size	0.2 acres (8,699 sqft)
Owner	2 Individual Names on File
Last Sale	$611,000 (Sep 2018)
Tax Bill	$14,070 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00032-0000-00004-08`

Property Details

APN / Parcel Number

Primary APN	`03-00032-0000-00004-08`
Alternative APNs	`03000320000000040008` `00000769`

Interior

Building Area	2,030 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,699 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 58 ft wide

Location & Zoning

Account Number	00000769
Street Address	91 CENTRAL AVE
City	CALDWELL
State	NJ
Zip	07006-4843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	58X150
Legal Block	32
Legal Lot Number	4.8
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	1
Census Block	1001
Census Tract	21701

Owner

91 Central Ave is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	91 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
Oct 9, 2020	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK
Sep 12, 2018	Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2018 · Amount on File
Deed Sale	Sep 12, 2018 · Amount on File
Prior Sale	Sep 13, 2007 · Amount on File
Deed Document Number	201879418
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	91 CENTRAL AVE, CALDWELL, NJ 07006-4843
Document Number	0000103560
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	VESTED LAND SERVICES LLC, VESTED LAND SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	91 CENTRAL AVE CALDWELL NJ 070064843, CALDWELL, NJ 07006-4843

Mortgage

Document Number	0000103560
Date	Oct 20, 2020
Instrument	103560

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 12, 2018
Property Address	91 CENTRAL AVE, CALDWELL, NJ 07006-4843
Document Number	0000079418
Instrument Date	Aug 29, 2018
Instrument	79418
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00
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	91 CENTRAL AVE CALDWELL NJ 070064843, CALDWELL, NJ 07006-4843

Mortgage

Document Number	79419
Date	Sep 12, 2018
Instrument	79419

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 91 Central Ave was $14,070, 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		$432,000 (-) Land $223,200 Building $208,800	$432,000 (-) Land $223,200 Building $208,800
2025	$14,070.00 (+2.3%)	$432,000 Land $223,200 Building $208,800	$432,000 Land $223,200 Building $208,800
2024	$13,754.00
2023		$432,000 Land $223,200 Building $208,800	$432,000 Land $223,200 Building $208,800
2022	$13,059.00

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

Flood

FEMA maps place 91 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 91 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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