Bergen County and Lodi Borough property record for 4 Lorelei Ter, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 2,165 sqft · built 1951 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Aug 2026) |
| Tax Bill | $12,765 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00176-10-00008 |
| Primary APN | 31-00176-10-00008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,165 sqft Living Area |
| 1st Floor Area | 2,165 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Construction Type | Frame |
| Lot Area | 5,227 sqft (0.12 acres) |
| Account Number | 375500 |
|---|---|
| Street Address | 4 LORELEI TER |
| City | LODI |
| State | NJ |
| Zip | 07644-2020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .12AC |
| Legal Block | 176 |
| Legal Lot Number | 8 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 30100 |
4 Lorelei Ter is owned and occupied by two individuals who bought it in August 2026.
Source: Bergen County and Lodi Borough records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE |
| Aug 18, 2026 | Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| May 8, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE MORTGAGE INC |
| Mar 16, 2017 | Deed of Trust, Mortgage VALLEY NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on File |
| Deed Sale | Aug 18, 2026 · Amount on File |
| Deed Document Number | 202656998 |
| Deed Book / Page | 5877 / 614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 18, 2026 |
| Property Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Document Number | 0000056999 |
| Book / Page | 5877 / 621 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202656999 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000056999, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 5877/621 |
| Instrument | 202656999 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Aug 18, 2026 |
| Property Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Document Number | 0000056998 |
| Book / Page | 5877 / 614 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202656998 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Document Number | 0000056999, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 202656999 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0049881476 |
|---|---|
| Date | May 8, 2023 |
| Book Page | 4988/1476 |
| Instrument | 2023030754 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 24, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Title Company | HERITAGE ABSTRACT COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0044040927 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 4404/927 |
| Instrument | 2021153733 |
| Name | PINNACLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | EAST HANOVER, NJ 07936 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 4 LORELEI TER, LODI, NJ 07644-2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0025631741 |
|---|---|
| Date | Mar 16, 2017 |
| Book Page | 02563/1741 |
| Instrument | 17-023286 |
| Name | VALLEY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Mar 2, 2037 |
The 2025 property tax bill for 4 Lorelei Ter was $12,765, 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 | $360,600 (-) Land $166,800 Building $193,800 | $360,600 (-) Land $166,800 Building $193,800 | |
| 2025 | $12,765.00 (+5.61%) | $360,600 Land $166,800 Building $193,800 | $360,600 Land $166,800 Building $193,800 |
| 2024 | $12,087.00 | ||
| 2023 | $360,600 Land $166,800 Building $193,800 | $360,600 Land $166,800 Building $193,800 | |
| 2022 | $11,769.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4 Lorelei Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 | 5 in force |
| Nearby Flood Claims | 4 (1979–1999) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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.
The area around 4 Lorelei Ter 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 223 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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