Bergen County and Lodi Borough property record for 285 Union St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 2,905 sqft · built 1920 |
| Lot Size | 0.144 acres (6,251 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Apr 2007) |
| Tax Bill | $14,436 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00125-06-00021 |
| Primary APN | 31-00125-06-00021 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,905 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 6,251 sqft (0.144 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 3 Parking Spaces |
| Account Number | 269100 |
|---|---|
| Street Address | 285 UNION ST |
| City | LODI |
| State | NJ |
| Zip | 07644-3255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 50X125 |
| Legal Block | 125 |
| Legal Lot Number | 21 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 30402 |
285 Union St is owned and occupied by two individuals who bought it in April 2007.
Source: Bergen County and Lodi Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 285 UNION ST, LODI, NJ 07644-3255 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2007 · Amount on File |
| Deed Sale | Apr 4, 2007 · Amount on File |
| Prior Sale | Feb 1, 2005 · Amount on File |
| Deed Book / Page | 9284 / 228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 285 UNION ST, LODI, NJ 07644-3255 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 285 UNION ST, LODI, NJ 07644-3255 |
| Document Number | 0047170940 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 4717/940 |
| Instrument | 2022062597 |
| Name | VALLEY BANK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 285 Union St was $14,436, up 5.6% from the year before.
Source: Bergen County and Lodi Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Lodi Borough |
| Unified School District | Lodi Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $407,800 (-) Land $168,800 Building $239,000 | $407,800 (-) Land $168,800 Building $239,000 | |
| 2025 | $14,436.00 (+5.61%) | $407,800 Land $168,800 Building $239,000 | $407,800 Land $168,800 Building $239,000 |
| 2024 | $13,669.00 | ||
| 2023 | $407,800 Land $168,800 Building $239,000 | $407,800 Land $168,800 Building $239,000 | |
| 2022 | $13,310.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 285 Union St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 285 Union 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.
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 |
| 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.
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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