34 James St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 34 James St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	2,121 sqft · built 1920
Lot Size	0.08 acres (3,467 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jan 2021)
Tax Bill	$10,733 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00093-0000-00036`

Property Details

APN / Parcel Number

Primary APN	`31-00093-0000-00036`
Alternative APNs	`310009300036` `188500`

Interior

Stories	2 Stories
Building Area	2,121 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	3,467 sqft (0.08 acres)
Lot Dimensions	102 ft deep x 34 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	188500
Street Address	34 JAMES ST
City	LODI
State	NJ
Zip	07644-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	34X102
Legal Block	93
Legal Lot Number	36
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	3
Census Block	3011
Census Tract	30300

Owner

34 James St is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	34 JAMES ST, LODI, NJ 07644-2306
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2021 · Amount on File
Deed Sale	Jan 27, 2021 · Amount on File
Deed Document Number	202111676
Deed Book / Page	3931 / 1098
Record Updated	Sep 20, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 27, 2021
Property Address	34 JAMES ST, SOUTH HACKENSACK, NJ 07606-1439
Document Number	0039311098
Book / Page	3931 / 1098
Instrument Date	Dec 10, 2020
Instrument	21-011676
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	NORTHERN NJ TTL SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,791.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 KIPP AVE, 117, LODI, NJ 07644-3036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 JAMES ST, LODI, NJ 07644-2306

Mortgage

Document Number	0021011677
Date	Jan 27, 2021
Instrument	21-011677

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 34 James St was $10,733, 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		$303,200 (-) Land $141,600 Building $161,600	$303,200 (-) Land $141,600 Building $161,600
2025	$10,733.00 (+5.61%)	$303,200 Land $141,600 Building $161,600	$303,200 Land $141,600 Building $161,600
2024	$10,163.00
2023		$303,200 Land $141,600 Building $161,600	$303,200 Land $141,600 Building $161,600
2022	$9,896.00

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

Flood

FEMA maps place 34 James St in Zone X, an area of minimal flood risk, though there have been 97 flood claims nearby since 1978.

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 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	97 (1978–2023)
Claims Outside the SFHA	8 of 97
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 12 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 15 claims Coastal Storms & Flooding, Apr 1984 · 12 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 34 James 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.

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 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