182 Prospect St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 182 Prospect St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	2,334 sqft · built 1946
Lot Size	0.207 acres (8,999 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Sep 2015)
Tax Bill	$15,516 (2025)
Deeds & Mortgages	Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`31-00035-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`31-00035-0000-00001`
Alternative APNs	`310003500001` `073600`

Interior

Stories	2 Stories
Building Area	2,334 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,999 sqft (0.207 acres)
Lot Dimensions	100 ft deep x 90 ft wide

Location & Zoning

Account Number	073600
Street Address	182 PROSPECT ST
City	LODI
State	NJ
Zip	07644-2956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	90X100
Legal Subdivision	HASBROUCK TERRACE
Legal Block	35
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	4
Census Block	4004
Census Tract	30300

Owner

Source: Bergen County and Lodi Borough records, as of June 29, 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	182 PROSPECT ST, LODI, NJ 07644-2956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2015 · Amount on Record
Deed Sale	Sep 25, 2015 · Amount on Record
Deed Document Number	20157221902
Deed Book / Page	2059 / 1590
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	182 PROSPECT ST, LODI, NJ 07644-2956
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033801516
Date	Oct 21, 2019
Book Page	3380/1516
Instrument	19-070173

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$438,300 (-) Land $169,200 Building $269,100	$438,300 (-) Land $169,200 Building $269,100
2025	$15,516.00 (+5.62%)	$438,300 (-) Land $169,200 Building $269,100	$438,300 (-) Land $169,200 Building $269,100
2024	$14,691.00 (+2.69%)
2023		$438,300 Land $169,200 Building $269,100	$438,300 Land $169,200 Building $269,100
2022	$14,306.00

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
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	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

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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