12 Madison Ave, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 12 Madison Ave, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,764 sqft · built 1909
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2018)
Tax Bill	$14,064 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2018 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-00045-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`31-00045-0000-00023`
Alternative APNs	`310004500023` `090800`

Interior

Stories	2 Stories
Building Area	1,764 sqft Living Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Construction Type	Brick
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	090800
Street Address	12 MADISON AVE
City	LODI
State	NJ
Zip	07644-3111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X100
Legal Subdivision	HASBROUCK TERRACE
Legal Block	45
Legal Lot Number	23
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	1
Census Block	1005
Census Tract	30401

Owner

12 Madison Ave is owned and occupied by two individuals who bought it in October 2018.

Source: Bergen County and Lodi Borough records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 MADISON AVE, LODI, NJ 07644-3111
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
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 1, 2018	Deed, Transfer
Jul 12, 2017	Grant Deed, Transfer · FHA Mortgage ATLANTIC HM LOANS
Feb 21, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on File
Deed Sale	Oct 1, 2018 · Amount on File
Prior Sale	Jul 12, 2017 · Amount on File
Deed Document Number	201818-069579
Deed Book / Page	3067 / 1653
Prior Transfer Date	Oct 10, 2016
Prior Transfer Doc	0025410054
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	12 MADISON AVE, LODI, NJ 07644-3111
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	INSIGHT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044660357
Date	Nov 19, 2021
Book Page	4466/357
Instrument	2021172540

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 1, 2018
Property Address	12 MADISON AVE, LODI, NJ 07644-3111
Document Number	0030671653
Book / Page	3067 / 1653
Instrument Date	Sep 17, 2018
Instrument	00018-069579
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MADISON AVE, LODI, NJ 07644-3111

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 12, 2017
Property Address	12 MADISON AVE, LODI, NJ 07644-3111
Document Number	0026622370
Book / Page	002662 / 002370
Instrument Date	Jun 26, 2017
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$428.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MADISON AVE LODI NJ 076443111, LODI, NJ 07644-3111

Mortgage

Document Number	26622376
Date	Jul 12, 2017
Book Page	002662/002376

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 21, 2017
Property Address	12 MADISON AVE, LODI, NJ 07644-3111
Document Number	0025410054
Book / Page	002541 / 000054
Instrument Date	Oct 10, 2016
Transaction Type	Foreclosure
Record Updated	Mar 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31A JAMES ST LODI NJ 076442305, LODI, NJ 07644-2305

Tax Assessment & Valuation

The 2025 property tax bill for 12 Madison Ave was $14,064, 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		$397,300 (-) Land $160,000 Building $237,300	$397,300 (-) Land $160,000 Building $237,300
2025	$14,064.00 (+5.6%)	$397,300 Land $160,000 Building $237,300	$397,300 Land $160,000 Building $237,300
2024	$13,318.00
2023		$397,300 Land $160,000 Building $237,300	$397,300 Land $160,000 Building $237,300
2022	$12,967.00

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

Flood

FEMA maps place 12 Madison Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 12 Madison Ave 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 747 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

May also be available: T-Mobile.

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