138 Central Ave, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 138 Central Ave, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	2,368 sqft · built 1947
Lot Size	0.142 acres (6,199 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Dec 2024)
Tax Bill	$14,889 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-00049-0000-00015`

Property Details

APN / Parcel Number

Primary APN	`31-00049-0000-00015`
Alternative APNs	`310004900015` `096200`

Interior

Stories	2 Stories
Building Area	2,368 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Brick
Construction Type	Brick
Lot Area	6,199 sqft (0.142 acres)
Lot Dimensions	100 ft deep x 62 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	096200
Street Address	138 CENTRAL AVE
City	LODI
State	NJ
Zip	07644-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	62X100
Legal Subdivision	HASBROUCK TERRACE
Legal Block	49
Legal Lot Number	15
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	1
Census Block	1010
Census Tract	30401

Owner

138 Central Ave is owned and occupied by two individuals who bought it in December 2024.

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	2 Individual Names on File
Mailing Address	138 CENTRAL AVE, LODI, NJ 07644-3017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Dec 5, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on File
Deed Sale	Dec 26, 2024 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Document Number	202476537
Deed Book / Page	5391 / 854
Prior Transfer Date	Oct 31, 2019
Prior Transfer Doc	0034291217
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	138 CENTRAL AVE, LODI, NJ 07644-3017
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CENTRAL AVE, LODI, NJ 07644-3017

Mortgage

Document Number	0046671742
Date	Apr 29, 2022
Book Page	4667/1742
Instrument	2022046716

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2052

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 5, 2019
Property Address	138 CENTRAL AVE, LODI, NJ 07644-3017
Document Number	0034291217
Book / Page	3429 / 1217
Instrument Date	Oct 31, 2019
Instrument	2019-084577.01
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CENTRAL AVE, LODI, NJ 07644-3017

Tax Assessment & Valuation

The 2025 property tax bill for 138 Central Ave was $14,889, 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		$420,600 (-) Land $168,800 Building $251,800	$420,600 (-) Land $168,800 Building $251,800
2025	$14,889.00 (+5.6%)	$420,600 Land $168,800 Building $251,800	$420,600 Land $168,800 Building $251,800
2024	$14,099.00
2023		$420,600 Land $168,800 Building $251,800	$420,600 Land $168,800 Building $251,800
2022	$13,728.00

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

Flood

FEMA maps place 138 Central 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 138 Central 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 966 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

May also be available: Xfinity.

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