128 Prospect St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 128 Prospect St, Lodi, NJ 07644 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1954
Square Footage	1,650 sqft Living Area
Lot Size	5,001 sqft (0.115 acres)
Occupancy	Owner Occupied
Last Sale	$375,000 (2005)
Tax Bill	$10,985.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`31-00038-0000-00023`
Alternative APNs	`310003800023` `078000`

Interior

Building Area	1,650 sqft Living Area
1st Floor	1,650 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame Construction
Lot Area	5,001 sqft (0.115 acres)
Depth X Width	100 ft x 50 ft Depth x Width

Location & Zoning

Account Number	078000
Street Address	128 PROSPECT ST
City	LODI
State	NJ
Zip	07644-2953
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	50X100
Legal Block	38
Legal Lot Number	23
Jurisdiction	BERGEN NJ
Minor Civil Division	LODI
Census Blockgroup	4
Census Block	4007
Census Tract	30300

Owner

Source: Bergen County and Lodi Borough records · APN 31-00038-0000-00023

Assessment roll updated June 29, 2026 · Last verified July 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 File
Mailing Address	128 PROSPECT ST, LODI, NJ 07644-2953
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 07, 2005 · Amount on Record
Deed Sale	Feb 07, 2005 · Amount on Record
Prior Sale	Aug 07, 1996 · Amount on Record
Deed Book / Page	8788 / 955
Record Refreshed	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	128 PROSPECT ST, LODI, NJ 07644-2953
Transaction Type	Mortgage
Record Updated	Nov 08, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043950847
Date	Sep 28, 2021
Book Page	4395/847
Instrument	2021150905

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Bergen County and Lodi Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,300 (-) Land $160,000 Building $150,300	$310,300 (-) Land $160,000 Building $150,300
2025	$10,985.00 (+5.61%)	$310,300 (+0.71%) Land $160,000 Building $150,300	$310,300 (+0.71%) Land $160,000 Building $150,300
2024	$10,401.00 (+3.43%)
2023		$308,100 Land $160,000 Building $148,100	$308,100 Land $160,000 Building $148,100
2022	$10,056.00

Flood & Wildfire

128 Prospect St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Bergen County (34003C), updated December 8, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

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