178 Bell Ave, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 178 Bell Ave, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,332 sqft · built 1951
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Nov 2018)
Tax Bill	$11,009 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2018 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`31-00106-02-00008`

Property Details

APN / Parcel Number

Primary APN	`31-00106-02-00008`
Alternative APNs	`3100106000200008` `220900`

Interior

Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Location & Zoning

Account Number	220900
Street Address	178 BELL AVE
City	LODI
State	NJ
Zip	07644-3261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75X100
Legal Subdivision	PROSPET HILLS SEC 2
Legal Block	106.2
Legal Lot Number	8
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	4
Census Block	4005
Census Tract	30402

Owner

Source: Bergen County and Lodi Borough records, as of August 18, 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 Record
Mailing Address	178 BELL AVE, LODI, NJ 07644-3261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit PROVIDENT BANK
Nov 1, 2018	Deed, Transfer · Stand-Alone Refinance FREEDOM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Nov 2, 2000
Deed Document Number	201818-078146
Deed Book / Page	3097 / 2442
Prior Transfer Date	Nov 12, 2012
Prior Transfer Doc	0012310512
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jun 18, 2026
Property Address	178 BELL AVE, LODI, NJ 07644-3261
Document Number	0000041258
Book / Page	5825 / 1310
Instrument Date	May 29, 2026
Instrument	202641258
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 BELL AVE, LODI, NJ 07644-3261

Mortgage

Document Number	0000041258,
Date	Jun 18, 2026
Book Page	5825/1310
Instrument	202641258

Lender

Name	PROVIDENT BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 3, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Nov 1, 2018
Property Address	178 BELL AVE, LODI, NJ 07644-3261
Document Number	0030972442
Book / Page	3097 / 2442
Instrument Date	Oct 22, 2018
Instrument	00018-078146
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 BELL AVE, LODI, NJ 07644-3261

Mortgage

Document Number	0030972447
Date	Nov 1, 2018
Book Page	3097/2447
Instrument	2018-078146_01

Lender

Name	FREEDOM BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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		$311,000 (-) Land $160,000 Building $151,000	$311,000 (-) Land $160,000 Building $151,000
2025	$11,009.00 (+5.6%)	$311,000 (-) Land $160,000 Building $151,000	$311,000 (-) Land $160,000 Building $151,000
2024	$10,425.00 (+2.7%)
2023		$311,000 Land $160,000 Building $151,000	$311,000 Land $160,000 Building $151,000
2022	$10,151.00

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

Flood

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	1 in force

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

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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