151 Terrace Ave, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 151 Terrace Ave, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,766 sqft · built 1950
Lot Size	0.116 acres (5,049 sqft)
Owner	Company Name on File
Tax Bill	$11,622 (2025)
Deeds & Mortgages	Jun 2023 Construction Loan Feb 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`31-00033-0000-00032`

Property Details

APN / Parcel Number

Primary APN	`31-00033-0000-00032`
Alternative APNs	`310003300032` `071800`

Interior

Stories	1 Story
Building Area	1,766 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	5,049 sqft (0.116 acres)
Lot Dimensions	101 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	071800
Street Address	151 TERRACE AVE
City	LODI
State	NJ
Zip	07644-2904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Description	50X101
Legal Subdivision	HASBROUCK
Legal Block	33
Legal Lot Number	32
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	4
Census Block	4009
Census Tract	30300

Owner

151 Terrace Ave, a single family home, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	305 HIGHLAND AVE, A, PALISADES PARK, NJ 07650-1335
Owner Type	Company

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
Jun 29, 2023	Deed of Trust, Mortgage · Construction Mortgage RFLF 4 LLC
Feb 7, 2023	Bargain and Sale Deed, Construction Loan · Construction Mortgage RFLF 7 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	151 TERRACE AVE, LODI, NJ 07644-2904
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305A HIGHLAND AVE, PALISADES PARK, NJ 07650-2431

Mortgage

Document Number	0050271150
Date	Jun 29, 2023
Book Page	5027/1150
Instrument	2023043025

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60606

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

February 2023: Bargain and Sale Deed, Construction Loan

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 7, 2023
Property Address	151 TERRACE AVE, LODI, NJ 07644-2904
Document Number	0049261634
Book / Page	4926 / 1634
Instrument Date	Jan 13, 2023
Instrument	2023010761
Transaction Type	Construction Loan
Record Updated	Mar 2, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,740.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 HIGH ST, MAHWAH, NJ 07430-3117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 HIGHLAND AVE # A, A, PALISADES PARK, NJ 07650-1335

Mortgage

Document Number	2023010762
Date	Feb 7, 2023
Instrument	2023010762

Lender

Name	RFLF 7 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 151 Terrace Ave was $11,622, 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		$328,300 (-) Land $160,200 Building $168,100	$328,300 (-) Land $160,200 Building $168,100
2025	$11,622.00 (+5.62%)	$328,300 Land $160,200 Building $168,100	$328,300 Land $160,200 Building $168,100
2024	$11,004.00
2023		$328,300 Land $160,200 Building $168,100	$328,300 Land $160,200 Building $168,100
2022	$10,715.00

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

Flood

FEMA maps place 151 Terrace Ave in Zone X, an area of minimal flood risk, though there have been 30 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	2 in force
Nearby Flood Claims	30 (1978–2023)
Claims Outside the SFHA	13 of 30
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 8 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

The area around 151 Terrace 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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