Bergen County and Lodi Borough property record for 32 Charles St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 1,920 sqft · built 1900 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Company Name on Record |
| Last Sale | $514,900 (Sep 2022) |
| Tax Bill | $10,974 (2025) |
| Deeds & Mortgages | Jul 2023 Construction Loan Sep 2022 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00009-0000-00041 |
| Primary APN | 31-00009-0000-00041 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,920 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Account Number | 021900 |
|---|---|
| Street Address | 32 CHARLES ST |
| City | LODI |
| State | NJ |
| Zip | 07644-1583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 25X100 |
| Legal Subdivision | BOROUGH/LODI |
| Legal Block | 9 |
| Legal Lot Number | 41 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 30201 |
Source: Bergen County and Lodi Borough records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 338 BALDWIN TER, HASBROUCK HEIGHTS, NJ 07604-2305 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 18, 2023 | Deed of Trust, Mortgage · Construction Mortgage CITADEL SERVICING CORPORATION |
| Sep 21, 2022 | Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC SERIES 37090 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2022 · Amount on Record |
| Deed Sale | Sep 21, 2022 · Amount on Record |
| Prior Sale | Apr 23, 2003 · Amount on Record |
| Deed Document Number | 202293021 |
| Deed Book / Page | 4814 / 6 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 32 CHARLES ST, LODI, NJ 07644-1583 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 338 BALDWIN TER, HASBROUCK HEIGHTS, NJ 07604-2305 |
| Document Number | 0050390468 |
|---|---|
| Date | Jul 18, 2023 |
| Book Page | 5039/468 |
| Instrument | 2023046839 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 21, 2022 |
| Property Address | 32 CHARLES ST, LODI, NJ 07644-1583 |
| Document Number | 0048140006 |
| Book / Page | 4814 / 6 |
| Instrument Date | Jun 9, 2022 |
| Instrument | 2022093021 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 18, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,319.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 CLIFF ST, 449, FAIRVIEW, NJ 07022-1262 |
| Name | Verified Name |
|---|---|
| Address | 338 BALDWIN TER, HASBROUCK HEIGHTS, NJ 07604-2305 |
| Document Number | 2022093022 |
|---|---|
| Date | Sep 21, 2022 |
| Instrument | 2022093022 |
| Name | LOAN FUNDER LLC SERIES 37090 |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Jun 14, 2023 |
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 | $310,000 (-) Land $128,500 Building $181,500 | $310,000 (-) Land $128,500 Building $181,500 | |
| 2025 | $10,974.00 (+5.61%) | $310,000 (-) Land $128,500 Building $181,500 | $310,000 (-) Land $128,500 Building $181,500 |
| 2024 | $10,391.00 (+2.7%) | ||
| 2023 | $310,000 Land $128,500 Building $181,500 | $310,000 Land $128,500 Building $181,500 | |
| 2022 | $10,118.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 25 units insured incl. 20 condo units |
| Nearby Flood Claims | 8 (2007–2024) |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
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.
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 614 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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