12 Charles Ct, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 12 Charles Ct, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	2,640 sqft · built 1942
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$254,900 (Jun 1999)
Tax Bill	$13,898 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00277-0000-00021`

Property Details

APN / Parcel Number

Primary APN	`31-00277-0000-00021`
Alternative APNs	`310027700021` `502200`

Interior

Stories	2 Stories
Building Area	2,640 sqft Living Area

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Account Number	502200
Street Address	12 CHARLES CT
City	LODI
State	NJ
Zip	07644-3701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.13 AC
Legal Subdivision	GRANDVIEW COURT SEC 1
Legal Block	277
Legal Lot Number	21
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	2
Census Block	2010
Census Tract	30100

Owner

12 Charles Ct is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 CHARLES CT, LODI, NJ 07644-3701
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
Aug 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 1999 · Amount on File
Deed Sale	Jun 9, 1999 · Amount on File
Deed Document Number	199997115
Deed Book / Page	8175 / 774
Last Transfer Date	Jun 4, 2021
Transfer Doc	0043230737
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Aug 10, 2021
Property Address	12 CHARLES CT, LODI, NJ 07644-3701
Document Number	0043230737
Book / Page	4323 / 737
Instrument Date	Jun 4, 2021
Instrument	2021129040
Transaction Type	Transfer
Record Updated	Jun 23, 2023
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 CHARLES CT, LODI, NJ 07644-3701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CHARLES CT, LODI, NJ 07644-3701

Mortgage

Document Number	2021129041
Date	Aug 10, 2021
Instrument	2021129041

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Jul 1, 2041

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	12 CHARLES CT, LODI, NJ 07644-3701
Document Number	0026031144
Book / Page	002603 / 001144
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 12, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CHARLES CT LODI NJ 076443701, LODI, NJ 07644-3701

Mortgage

Document Number	0026031144
Date	May 5, 2017
Book Page	002603/001144

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 4, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 12 Charles Ct was $13,898, up 5.6% from the year before.

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		$392,600 (-) Land $164,600 Building $228,000	$392,600 (-) Land $164,600 Building $228,000
2025	$13,898.00 (+5.61%)	$392,600 Land $164,600 Building $228,000	$392,600 Land $164,600 Building $228,000
2024	$13,160.00
2023		$392,600 Land $164,600 Building $228,000	$392,600 Land $164,600 Building $228,000
2022	$12,814.00

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

Flood

FEMA maps place 12 Charles Ct in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1978.

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
Nearby Flood Claims	40 (1978–2021)
Claims Outside the SFHA	13 of 40
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 2 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

The area around 12 Charles Ct 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.

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 504 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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