Land · New Jersey tax sale guide

Caldwell borough tax lien sale, New Jersey

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Caldwell's most recent dated sale in its own words is an older one, and this page says so plainly. Borough Resolution 2-50, in the February 6, 2018 council booklet, recites that at the Borough of Caldwell tax sale held on December 22, 2016 a lien was sold for delinquent tax at a premium of $21,000.00. That date is nine years and more before this page, and it is the newest sale stated in words anywhere in the borough's own sources; the borough papers older December sales the same way, in 2015, 2014 and 2013. For the current programme, the borough's January 2, 2024 reorganization agenda carries a resolution authorising the borough to participate in an electronic tax sale, which states the mode and no date. The borough's own current budget papers do not render the Tax Collector's full name in a readable form, so no collector name is carried here. West Caldwell Township and North Caldwell borough are separate Essex County municipalities, and none of their paper appears here; West Caldwell has its own page in this set. Its 2020 census population is 9,027 (Census QuickFacts).

Selling office: Borough of Caldwell Tax Collector, Caldwell

Next sale: Thursday, December 22, 2016 (most recent dated sale published). The borough resolution gives that December day in held words, and no borough document behind this page states a newer sale day in words.

Read the Caldwell resolutions for the dated record, and ask the tax office for the current electronic sale day, because the borough papers its held sales and its online authorisation and no recent sale morning.

Dates and deadlines

The dated sale	Thursday, December 22, 2016, per borough Resolution 2-50 (February 6, 2018 council booklet), which recites a lien sold at the borough tax sale held on that date for delinquent tax, at a premium of $21,000.00. The resolution states no time, venue or mode for that sale, and the date's age is stated plainly: it is the most recent sale the borough states in words.
Supporting held sales	Borough resolutions recite the same December pattern for earlier years: a sale held on Wednesday, December 23, 2015, a sale held on Thursday, December 18, 2014, and a sale held on Friday, December 27, 2013, each proved by redemption resolutions for certificates sold at those sales.
The certificate note	The certificate numbers in the borough resolutions behind this page are identifiers for single liens. Each date above rests on the explicit held words in the borough's own resolutions. One premium figure in a borough resolution prints with extra zeros against its own arithmetic; the figure stands as the borough published it in that line and is not carried on this page.
The current programme	Borough Resolution 1-49, in the January 2, 2024 reorganization agenda, authorises the Borough of Caldwell to participate in an electronic tax sale. The authorisation states the mode for the current programme and no sale date.
Next sale	Not published as a specific date. No borough sale notice stating a sale day in words for any recent year appears in the borough sources read.
Sale track	Not published. No borough document read labels a Caldwell sale standard or accelerated.
Registration	Through the electronic sale provider, for sales run under the 2024 authorisation; no provider is named in the borough sources read.
Deposit	Not published in the sources read.
Bidding and payment	Not published for the 2016 sale in the sources read. For a borough sale itself the state frame governs, with the rate bid down from 18 percent and premium bidding below 1 percent, as set out below.
Redemption	Through the Tax Collector until a Superior Court judgment bars the right. The money side, interest at the bid rate, subsequent payments and the tiered penalty, is set out in the terms table below, on the state frame.
Struck off certificates	Nothing published in the sources read. Under the state frame a lien with no purchaser is struck off to the municipality at 18 percent and may later be assigned under 54:5-113 or sold at public sale under 54:5-114.1 and 54:5-114.2.
Format	Electronic sale authorised by borough resolution for the current programme; the 2016 sale's own format is not stated in the resolution.
Selling office	Borough of Caldwell Tax Collector, Caldwell, NJ, Licence T-8630 per the borough 2025 Municipal Data Sheet. The data sheet does not render the collector's full name in a readable form, and no name is carried from any county list.

Sources: Borough of Caldwell, council booklet of February 6, 2018 with Resolution 2-50, council booklets of 2014 to 2016, reorganization agenda of January 2, 2024 with Resolution 1-49, and the 2025 Municipal Data Sheet (caldwell-nj.com). NJ Division of Local Government Services, Elements of Tax Sales in New Jersey. Confirm with the selling office before relying on any date on this page: sales move, terms change, and parcels are pulled up to sale day.

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How New Jersey tax sales work

Nobody at the county sells anything. Under NJSA 54:5-19 the tax collector of each municipality sells. Counties in New Jersey assess nothing for this process and run no sale; every date, list, platform and deposit rule on these pages belongs to a town, not to the county named at the top.
What is sold is a certificate, a lien, not the property. The Division of Local Government Services states it plainly: at the tax sale, title to the delinquent property itself is not sold; what is sold is a tax sale certificate. The owner keeps the property and is not evicted.
Two sale tracks run on the statute's calendar. A standard sale is held in the fiscal year following the year of delinquency. An accelerated sale reaches charges in arrears on the 11th day of the eleventh month of the fiscal year, conducted no earlier than the last month of that year, which is why December accelerated sales exist. A municipality may run both.
Bidding is the rate down from eighteen percent, then premium. Under 54:5-32 the lien is struck off to whoever takes the lowest rate of interest, never above 18 percent. When a bidder offers less than 1 percent or no interest, premium bidding takes over: the winner pays the amount due plus the highest premium. The premium goes to the municipality, earns no interest, is returned if the owner redeems, and escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years.
Redemption runs through the collector until a court bars it. The owner, heirs, a prior certificate holder, a mortgagee or an occupant may redeem at any time until the right is barred by a Superior Court judgment (54:5-54, 54:5-86), paying the sale amount with interest at the bid rate, the holder's subsequent lien payments and expenses, and the tiered penalty in 54:5-61: 2 percent over 200 dollars, 4 percent over 5,000, 6 percent over 10,000.
Foreclosure has two clocks, and assignment moves you to the faster one. A private holder may file in Superior Court after two years from the sale; a municipality, or its assignee or transferee, may file after six months (54:5-86), and a municipality may proceed in rem where six months have run and 21 months of general land taxes remain unpaid (54:5-104.32, 54:5-104.34). Since July 10, 2024, P.L.2024, c.39 has revised the process so an owner can protect remaining equity, so foreclosure is no longer the automatic equity transfer older guides describe.
Unsold liens are struck off to the municipality at eighteen percent. The municipality may later sell those certificates by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. That assignment market is New Jersey's leftover channel, and it is municipal, never county run.

How buying works in Caldwell borough

Caldwell preparation separates the record from the current sale. The resolutions prove a long December cadence of premium-bearing sales; the 2024 authorisation proves the sale now runs electronically; the day and list for the current sale come from the tax office, because the borough's newest in-words date is from 2016 and this page does not dress it up as recent.

The rate is a giveaway on any lien worth having. On contested certificates the interest rate is bid to zero in the first minutes and the real bidding is the premium, which earns nothing and sits with the municipality for up to five years. The disciplined bid is set by the property and the foreclosure timeline, never by the rate.
Three Caldwells, three sales. Caldwell borough, West Caldwell Township and North Caldwell borough each sell through their own collector; a sale morning published by either neighbour belongs to that neighbour alone.

Terms: what a bid actually costs

Deposit, Caldwell borough	Not published. No borough sale notice carrying a deposit figure was found among the borough sources behind this page.
Payment, Caldwell borough	Not published in the sources read. A borough sale notice, when Caldwell publishes one, is the document that will govern payment.
What is sold	A tax sale certificate: a lien on the property for the taxes and municipal charges sold, recorded against the property. The property itself is not sold, the owner is not evicted, and the certificate holder's road to the property runs through redemption failing and a Superior Court foreclosure.
The interest ceiling	18 percent per year, the maximum in 54:5-32. Bidding opens at 18 percent and the rate is bid down. The rate the winner takes is the rate the owner pays on redemption, and on contested liens in the publishing towns the rate is routinely bid to zero, which is where the premium takes over.
The premium	When a bidder offers less than 1 percent or no interest, the lien is struck off to whoever pays the amount due plus the highest premium. The premium is paid to the municipality and held by it: it earns the buyer no interest, it is returned if the owner redeems, and it escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years. Model every premium dollar at zero percent, because that is what it earns.
Redemption money	The sum paid at the sale with interest from the sale date at the rate bid; after the certificate issues, plus the holder's expenses and subsequent municipal liens paid under 54:5-59 and 54:5-60; plus the tiered penalty in 54:5-61, 2 percent where the certificate exceeds 200 dollars, 4 percent above 5,000 dollars and 6 percent above 10,000 dollars. A municipality may separately fix a year end penalty up to 6 percent on delinquencies over 10,000 dollars under 54:4-67.
How long redemption really lasts	Until a Superior Court judgment bars it. There is no self expiring redemption date: the operative clocks are the foreclosure filing clocks, two years from the sale for a private holder, six months for a municipality or its assignee, plus the life of the court case. An owner facing a private holder has at least two years; an owner facing a municipal assignee may have far less.
The deed path	Foreclosure of the right of redemption in Superior Court, Chancery Division, or a municipal in rem action under 54:5-104.32 where its conditions are met. Since P.L.2024, c.39 (July 10, 2024) the process protects the owner's remaining equity, so the pre-2024 outcome, foreclosure simply transferring all equity to the holder, is not current law and no 2026 page should describe it as such.

The leftover channel: struck off certificates and municipal assignment

For Caldwell the borough sources behind this page publish nothing about struck off certificates or assignment sales beyond the redemptions recorded in the resolutions. Under the state frame a borough lien with no purchaser is struck off to the borough at 18 percent and may later be sold by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. The assignee of a municipal certificate inherits the municipality's six month foreclosure clock under 54:5-86, measured from the original sale date.

Before you bid

Start with the town, because there is no county list. Every fact that matters, the date, the list, the platform, the deposit, lives with one municipal tax collector. The county page tells you which towns publish and what they published; the towns that publish nothing are a telephone call, and no website, this one included, can substitute for it.
Redeem and pay only through the collector. Redemption money goes to the tax collector for the holder's use, and the collector's figure is the redemption figure. Never pay a certificate holder directly on their own number, and record your certificate with the county clerk within 90 days of the sale to protect the lien.
Know which clock your seller gives you. A certificate bought at the sale carries a two year wait before foreclosure; the same certificate bought by assignment from the municipality can be foreclosed on the six month municipal clock from the original sale date. The channel you buy through is a term of the deal, priced like one.
Set the maximum before the sale opens. The free Max-Bid Calculator below works backwards from your exit value to the highest bid you can pay, with the costs shown. In premium territory the maximum is a property decision, not a yield decision.

The municipal pages in this set

One page per selling office, each verified against its own municipal sources. New Jersey has 566 municipalities and every one sells through its own tax collector; this set is the four hundred seventy largest municipalities by population. The county's other municipalities are aggregated on the Essex County page.

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