108 Prospect St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 108 Prospect St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,804 sqft · built 1915
Lot Size	0.078 acres (3,402 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Apr 2006)
Tax Bill	$11,551 (2025)
Deeds & Mortgages	Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`31-00091-0000-00018`

Property Details

APN / Parcel Number

Primary APN	`31-00091-0000-00018`
Alternative APNs	`310009100018` `183600`

Interior

Stories	2 Stories
Building Area	1,804 sqft Living Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	3,402 sqft (0.078 acres)
Lot Dimensions	100 ft deep x 34 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	183600
Street Address	108 PROSPECT ST
City	LODI
State	NJ
Zip	07644-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	34X100
Legal Block	91
Legal Lot Number	18
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	3
Census Block	3013
Census Tract	30300

Owner

Source: Bergen County and Lodi Borough records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 PROSPECT ST, LODI, NJ 07644-2335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2006 · Amount on Record
Deed Sale	Apr 7, 2006 · Amount on Record
Prior Sale	Nov 22, 2004 · Amount on Record
Deed Book / Page	9052 / 307
Last Transfer Date	Jul 1, 2021
Transfer Doc	0043931638
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Sep 27, 2021
Property Address	108 PROSPECT ST, LODI, NJ 07644-2335
Document Number	0043931638
Book / Page	4393 / 1638
Instrument Date	Jul 1, 2021
Instrument	2021150412
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 PROSPECT ST, LODI, NJ 07644-2335

Tax Assessment & Valuation

Source: Bergen County and Lodi Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Lodi Borough
Unified School District	Lodi Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$326,300 (-) Land $148,200 Building $178,100	$326,300 (-) Land $148,200 Building $178,100
2025	$11,551.00 (+5.6%)	$326,300 (-) Land $148,200 Building $178,100	$326,300 (-) Land $148,200 Building $178,100
2024	$10,938.00 (+2.7%)
2023		$326,300 Land $148,200 Building $178,100	$326,300 Land $148,200 Building $178,100
2022	$10,650.00

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 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	97 (1978–2023)
Claims Outside the SFHA	8 of 97
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 12 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 15 claims Coastal Storms & Flooding, Apr 1984 · 12 claims

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 614 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20