48 James St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 48 James St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,640 sqft · built 1970
Lot Size	0.083 acres (3,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Sep 2022)
Tax Bill	$11,427 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00093-0000-00039-03`

Property Details

APN / Parcel Number

Primary APN	`31-00093-0000-00039-03`
Alternative APNs	`31000930000000390003` `188900`

Interior

Stories	2 Stories
Building Area	1,640 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Lot Area	3,598 sqft (0.083 acres)
Lot Dimensions	100 ft deep x 36 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	188900
Street Address	48 JAMES ST
City	LODI
State	NJ
Zip	07644-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	36X100
Legal Subdivision	ROBERT RENNIE
Legal Block	93
Legal Lot Number	39.3
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	3
Census Block	3011
Census Tract	30300

Owner

Source: Bergen County and Lodi Borough records, as of August 10, 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 Record
Mailing Address	48 JAMES ST, LODI, NJ 07644-2306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on Record
Deed Sale	Sep 9, 2022 · Amount on Record
Prior Sale	Feb 28, 2007 · Amount on Record
Deed Document Number	202289258
Deed Book / Page	4801 / 1695
Prior Transfer Date	Nov 17, 2018
Prior Transfer Doc	0031242404
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 9, 2022
Property Address	48 JAMES ST, LODI, NJ 07644-2306
Document Number	0048011695
Book / Page	4801 / 1695
Instrument Date	Aug 29, 2022
Instrument	2022089258
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	NOT AVAILABLE, FORENSIC TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,511.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 JAMES ST, 48, LODI, NJ 07644-2306

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	48 JAMES ST, LODI, NJ 07644-2306

Mortgage

Document Number	2022089259
Date	Sep 9, 2022
Instrument	2022089259

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

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		$322,800 (-) Land $150,200 Building $172,600	$322,800 (-) Land $150,200 Building $172,600
2025	$11,427.00 (+5.61%)	$322,800 (-) Land $150,200 Building $172,600	$322,800 (-) Land $150,200 Building $172,600
2024	$10,820.00 (+2.7%)
2023		$322,800 Land $150,200 Building $172,600	$322,800 Land $150,200 Building $172,600
2022	$10,536.00

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

Flood

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 Record 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

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