40 Central Ave, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 40 Central Ave, Lodi, NJ 07644 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2,429 sqft · built 1973
Lot Size	0.1 acres (4,373 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Aug 2021)
Tax Bill	$14,857 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00040-0000-00043`

Property Details

APN / Parcel Number

Primary APN	`31-00040-0000-00043`
Alternative APNs	`310004000043` `081800`

Interior

Stories	2 Stories
Building Area	2,429 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	4,373 sqft (0.1 acres)

Location & Zoning

Account Number	081800
Street Address	40 CENTRAL AVE
City	LODI
State	NJ
Zip	07644-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4375 SF
Legal Block	40
Legal Lot Number	43
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	4
Census Block	4008
Census Tract	30300

Owner

Source: Bergen County and Lodi Borough records · APN 31-00040-0000-00043

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	40 CENTRAL AVE, LODI, NJ 07644-2911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 06, 2021 · Amount on Record
Deed Sale	Aug 06, 2021 · Amount on Record
Prior Sale	Nov 30, 2005 · Amount on Record
Deed Document Number	2021127182
Deed Book / Page	4317 / 1167
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 06, 2021
Property Address	40 CENTRAL AVE, LODI, NJ 07644-2911
Document Number	0043171167
Book / Page	4317 / 1167
Instrument Date	Jul 22, 2021
Instrument	2021127182
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,556.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 E RUBY AVE, 315, PALISADES PARK, NJ 07650-1915

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	40 CENTRAL AVE, LODI, NJ 07644-2911
Investor	Possibly a Property Investor

Mortgage

Document Number	2021127183
Date	Aug 06, 2021
Instrument	2021127183

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Bergen County and Lodi Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$419,700 (-) Land $155,500 Building $264,200	$419,700 (-) Land $155,500 Building $264,200
2025	$14,857.00 (+5.61%)	$419,700 (-) Land $155,500 Building $264,200	$419,700 (-) Land $155,500 Building $264,200
2024	$14,068.00 (+2.69%)
2023		$419,700 Land $155,500 Building $264,200	$419,700 Land $155,500 Building $264,200
2022	$13,699.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030303004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	30 (1978–2023)
Claims Outside the SFHA	13 of 30
Most Recent Claim	Dec 2023, rainfall accumulation
Claims By Storm	Hurricane Irene, Aug 2011 · 8 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 614 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Verizon	Fiber	2,300 / 2,300
Optimum Communications	Cable	940 / 35
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.