Bergen County and Lodi Borough property record for 101 Prospect St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 1,372 sqft · built 1920 |
| Lot Size | 0.092 acres (3,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $413,000 (Dec 2022) |
| Tax Bill | $9,349 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Feb 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00099-02-00003 |
| Primary APN | 31-00099-02-00003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,372 sqft Living Area |
| 1st Floor Area | 1,372 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 3,999 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Account Number | 202100 |
|---|---|
| Street Address | 101 PROSPECT ST |
| City | LODI |
| State | NJ |
| Zip | 07644-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 40X100 |
| Legal Block | 99.02 |
| Legal Lot Number | 3 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 30402 |
101 Prospect St is owned and occupied by an individual who bought it in December 2022.
Source: Bergen County and Lodi Borough records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 101 PROSPECT ST, LODI, NJ 07644-2327 |
| 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.
| Date | Document |
|---|---|
| Dec 7, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage AURA HOME LOANS INC |
| Feb 3, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 7, 2022 · Amount on File |
| Deed Sale | Dec 7, 2022 · Amount on File |
| Prior Sale | Nov 6, 1989 |
| Deed Document Number | 2022113086 |
| Deed Book / Page | 4877 / 1419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 7, 2022 |
| Property Address | 101 PROSPECT ST, LODI, NJ 07644-2327 |
| Document Number | 0048771419 |
| Book / Page | 4877 / 1419 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 2022113086 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | FOUNDERS TITLE COMPANY, FOUNDER TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,550.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 KNOX TER, WAYNE, NJ 07470-2317 |
| Name | Verified Name |
|---|---|
| Address | 101 PROSPECT ST, LODI, NJ 07644-2327 |
| Document Number | 2022113087 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 2022113087 |
| Name | AURA HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 101 PROSPECT ST, LODI, NJ 07644-2327 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 101 PROSPECT ST, LODI, NJ 07644-2327 |
| Document Number | 0045671208 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 4567/1208 |
| Instrument | 2022015374 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 477 Months |
| Due | Nov 20, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 101 Prospect St was $9,349, up 5.6% from the year before.
Source: Bergen County and Lodi Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Lodi Borough |
| Unified School District | Lodi Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $264,100 (-) Land $153,000 Building $111,100 | $264,100 (-) Land $153,000 Building $111,100 | |
| 2025 | $9,349.00 (+5.61%) | $264,100 Land $153,000 Building $111,100 | $264,100 Land $153,000 Building $111,100 |
| 2024 | $8,852.00 | ||
| 2023 | $264,100 Land $153,000 Building $111,100 | $264,100 Land $153,000 Building $111,100 | |
| 2022 | $8,370.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Prospect St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
The area around 101 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PASSAIC VALLEY WC LODI WD serves 24,136 people · EPA ID NJ0231001 |
|---|---|
| Water Source | Purchased surface water from PASSAIC VALLEY WATER COMMISSION |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 966 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
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