22 James Pl, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 22 James Pl, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,331 sqft · built 1949
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jan 2018)
Tax Bill	$10,401 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-00124-0000-00013`

Property Details

APN / Parcel Number

Primary APN	`31-00124-0000-00013`
Alternative APNs	`310012400013` `256400`

Interior

Stories	1 Story
Building Area	1,331 sqft Living Area
1st Floor Area	1,331 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	90 ft deep x 50 ft wide

Location & Zoning

Account Number	256400
Street Address	22 JAMES PL
City	LODI
State	NJ
Zip	07644-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X90
Legal Block	124
Legal Lot Number	13
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	2
Census Block	2006
Census Tract	30402

Owner

22 James Pl is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	22 JAMES PL, LODI, NJ 07644-3302
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit VISIONS FCU
Mar 5, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 25, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2018 · Amount on File
Deed Sale	Jan 25, 2018 · Amount on File
Prior Sale	Jun 18, 2003 · Amount on File
Deed Document Number	201818-006878
Deed Book / Page	2847 / 1526
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	22 JAMES PL, LODI, NJ 07644-3302
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048970408
Date	Jan 5, 2023
Book Page	4897/408
Instrument	2023001320

Lender

Name	NEW JERSEY HOUSING & MORTGAGE FIN AGENCY
Type	Government Agency
Address	TRENTON, NJ 08650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	22 JAMES PL, LODI, NJ 07644-3302
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 JAMES PL, LODI, NJ 07644-3302

Mortgage

Document Number	0045110764
Date	Dec 28, 2021
Book Page	4511/764
Instrument	2021187216

Lender

Name	VISIONS FCU
Type	Credit Union
Address	ENDICOTT, NY 13760

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	22 JAMES PL, LODI, NJ 07644-3302
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 JAMES PL, LODI, NJ 07644-3302

Mortgage

Document Number	0039970550
Date	Mar 5, 2021
Book Page	3997/550
Instrument	2021031269

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2050

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 25, 2018
Property Address	22 JAMES PL, LODI, NJ 07644-3302
Document Number	0028471526
Book / Page	2847 / 1526
Instrument Date	Jan 10, 2018
Instrument	00018-006878
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount 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	22 JAMES PL, LODI, NJ 07644-3302

Tax Assessment & Valuation

The 2025 property tax bill for 22 James Pl was $10,401, 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		$293,800 (-) Land $156,500 Building $137,300	$293,800 (-) Land $156,500 Building $137,300
2025	$10,401.00 (+5.62%)	$293,800 Land $156,500 Building $137,300	$293,800 Land $156,500 Building $137,300
2024	$9,848.00
2023		$293,800 Land $156,500 Building $137,300	$293,800 Land $156,500 Building $137,300
2022	$9,589.00

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

Flood

FEMA maps place 22 James Pl in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1999.

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
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	21 (1999–2021)
Claims Outside the SFHA	2 of 21
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 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 22 James Pl 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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