38 Chestnut St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 38 Chestnut St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	2,798 sqft · built 1900
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$642,000 (Mar 2021)
Tax Bill	$15,095 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00025-0000-00042`

Property Details

APN / Parcel Number

Primary APN	`31-00025-0000-00042`
Alternative APNs	`310002500042` `049500`

Interior

Stories	1 Story
Building Area	2,798 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Account Number	049500
Street Address	38 CHESTNUT ST
City	LODI
State	NJ
Zip	07644-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X100
Legal Subdivision	HASBROUCK TERRACE MAP 5
Legal Block	25
Legal Lot Number	42
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	5
Census Block	5002
Census Tract	30300

Owner

38 Chestnut St is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 CHESTNUT ST, LODI, NJ 07644-2155
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	Mar 1, 2021 · Amount on File
Deed Sale	Mar 1, 2021 · Amount on File
Prior Sale	Feb 8, 2007 · Amount on File
Deed Document Number	202127497
Deed Book / Page	3984 / 346
Record Updated	Oct 29, 2026

March 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 1, 2021
Property Address	38 CHESTNUT ST, LODI, NJ 07644-2155
Document Number	0039840346
Book / Page	3984 / 346
Instrument Date	Dec 9, 2020
Instrument	2021027497
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,630.20
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	78 BOGART AVE, 78, GARFIELD, NJ 07026-3164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CHESTNUT ST, LODI, NJ 07644-2155

Mortgage

Document Number	2021027498
Date	Mar 1, 2021
Instrument	2021027498

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 38 Chestnut St was $15,095, 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		$426,400 (-) Land $160,000 Building $266,400	$426,400 (-) Land $160,000 Building $266,400
2025	$15,095.00 (+5.62%)	$426,400 Land $160,000 Building $266,400	$426,400 Land $160,000 Building $266,400
2024	$14,292.00
2023		$426,400 Land $160,000 Building $266,400	$426,400 Land $160,000 Building $266,400
2022	$13,917.00

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

Flood

FEMA maps place 38 Chestnut St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	106 (1979–2024)
Claims Outside the SFHA	12 of 106
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 9 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 11 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 14 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

Wildfire risk around 38 Chestnut St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 475 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

May also be available: AT&T, T-Mobile.

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