12 Oratio Pl, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 12 Oratio Pl, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	3,224 sqft · built 1974
Lot Size	0.165 acres (7,200 sqft)
Owner	Company Name on File
Last Sale	$525,000 (Sep 2018)
Tax Bill	$16,107 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00256-0000-00215`

Property Details

APN / Parcel Number

Primary APN	`31-00256-0000-00215`
Alternative APNs	`310025600215` `460700`

Interior

Stories	2 Stories
Building Area	3,224 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	100 ft deep x 72 ft wide

Location & Zoning

Account Number	460700
Street Address	12 ORATIO PL
City	LODI
State	NJ
Zip	07644-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	72X100
Legal Block	256
Legal Lot Number	215
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	2
Census Block	2004
Census Tract	30402

Owner

12 Oratio Pl is owned by a company that bought it in September 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	267 E 6TH ST, CLIFTON, NJ 07011-1741
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2018 · Amount on File
Deed Sale	Sep 10, 2018 · Amount on File
Prior Sale	Nov 26, 2008 · Amount on File
Deed Document Number	201818-063931
Deed Book / Page	3046 / 1714
Record Updated	Oct 29, 2026

September 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Sep 10, 2018
Property Address	12 ORATIO PL, LODI, NJ 07644-3309
Document Number	0030461714
Book / Page	003046 / 001714
Instrument Date	Aug 17, 2018
Instrument	63931
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	267 E 6TH ST CLIFTON NJ 070111741, CLIFTON, NJ 07011-1741

Mortgage

Document Number	30461719
Date	Sep 10, 2018
Book Page	003046/001719
Instrument	63931

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Oratio Pl was $16,107, 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		$455,000 (-) Land $175,800 Building $279,200	$455,000 (-) Land $175,800 Building $279,200
2025	$16,107.00 (+5.61%)	$455,000 Land $175,800 Building $279,200	$455,000 Land $175,800 Building $279,200
2024	$15,251.00
2023		$455,000 Land $175,800 Building $279,200	$455,000 Land $175,800 Building $279,200
2022	$14,851.00

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

Flood

FEMA maps place 12 Oratio Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	21 (1999–2021)
Claims Outside the SFHA	2 of 21
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 4 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

Wildfire risk around 12 Oratio Pl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.3% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 522 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