96 Prospect St, Caldwell, NJ 07006 Property Records

Essex County and Caldwell Borough property record for 96 Prospect St, Caldwell, NJ 07006

Property Summary

Property Type	Single Family Home
Details	1,952 sqft · built 1955
Lot Size	0.174 acres (7,564 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jun 2020)
Tax Bill	$13,360 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00042-0000-00004-10`

Property Details

APN / Parcel Number

Primary APN	`03-00042-0000-00004-10`
Alternative APNs	`03000420000000040010` `00001166`

Interior

Building Area	1,952 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	7,564 sqft (0.174 acres)
Lot Dimensions	124 ft deep x 61 ft wide

Location & Zoning

Account Number	00001166
Street Address	96 PROSPECT ST
City	CALDWELL
State	NJ
Zip	07006-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	61X124 IRR
Legal Block	42
Legal Lot Number	4.10
Jurisdiction	ESSEX NJ
Township / Civil Division	CALDWELL
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	96 PROSPECT ST, CALDWELL, NJ 07006-5506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 5, 2020	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2020 · Amount on Record
Deed Sale	Jun 5, 2020 · Amount on Record
Deed Document Number	202053400
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	96 PROSPECT ST, CALDWELL, NJ 07006-5506
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021119816
Date	Sep 30, 2021
Instrument	2021119816

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	Jun 5, 2020
Property Address	96 PROSPECT ST, CALDWELL, NJ 07006-5506
Document Number	0000053400
Instrument Date	Jun 3, 2020
Instrument	53400
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	ACQUIRED TITLE SERVICES LLC, ACQUIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
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	96 PROSPECT ST CALDWELL NJ 070065506, CALDWELL, NJ 07006-5506

Mortgage

Document Number	53401
Date	Jun 5, 2020
Instrument	53401

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

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		$410,200 (-) Land $235,600 Building $174,600	$410,200 (-) Land $235,600 Building $174,600
2025	$13,360.00 (+2.3%)	$410,200 (-) Land $235,600 Building $174,600	$410,200 (-) Land $235,600 Building $174,600
2024	$13,060.00 (+5.32%)
2023		$410,200 Land $235,600 Building $174,600	$410,200 Land $235,600 Building $174,600
2022	$12,400.00

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 94% of the US · lower than 83% 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 416 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

May also be available: AT&T, Optimum.

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