176 S Main St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 176 S Main St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,264 sqft · built 1951
Lot Size	0.13 acres (5,650 sqft)
Owner	Company Name on File
Last Sale	$260,000 (Jun 2017)
Tax Bill	$8,284 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00026-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`31-00026-0000-00005`
Alternative APNs	`310002600005` `049700`

Interior

Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Lot Area	5,650 sqft (0.13 acres)
Lot Dimensions	113 ft deep x 50 ft wide

Location & Zoning

Account Number	049700
Street Address	176 S MAIN ST
City	LODI
State	NJ
Zip	07644-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR
Legal Description	50X113
Legal Subdivision	HASBROUCK TERRACE MAP 3
Legal Block	26
Legal Lot Number	5
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	5
Census Block	5003
Census Tract	30300

Owner

176 S Main St is owned by a company that bought it in June 2017.

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	176 S MAIN ST, LODI, NJ 07644-2115
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jun 7, 2017	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2017 · Amount on File
Deed Sale	Jun 7, 2017 · Amount on File
Deed Document Number	201743617
Deed Book / Page	2631 / 146
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	176 S MAIN ST, LODI, NJ 07644-2115
Document Number	0033800145
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	176 S MAIN ST LODI NJ 076442115, LODI, NJ 07644-2115

Mortgage

Document Number	0033800145
Date	Oct 21, 2019
Book Page	003380/000145
Instrument	70024

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2049

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jun 7, 2017
Property Address	176 S MAIN ST, LODI, NJ 07644-2115
Document Number	0026310146
Book / Page	02631 / 0146
Instrument Date	May 31, 2017
Instrument	17-043617
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	MAIN STREET TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	176 S MAIN ST, 176, LODI, NJ 07644-2115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 S MAIN ST, LODI, NJ 07644-2115

Mortgage

Document Number	0026310151
Date	Jun 7, 2017
Book Page	02631/0151
Instrument	17-043617.01

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 176 S Main St was $8,284, 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		$234,000 (-) Land $154,200 Building $79,800	$234,000 (-) Land $154,200 Building $79,800
2025	$8,284.00 (+5.62%)	$234,000 Land $154,200 Building $79,800	$234,000 Land $154,200 Building $79,800
2024	$7,843.00
2023		$234,000 Land $154,200 Building $79,800	$234,000 Land $154,200 Building $79,800
2022	$7,637.00

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

Flood

FEMA maps place 176 S Main St 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	106 (1979–2024)
Claims Outside the SFHA	12 of 106
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 9 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 11 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 14 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 176 S Main St 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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