Bergen County and Lodi Borough property record for 5 Charles St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 2,638 sqft · built 2003 |
| Lot Size | 0.135 acres (5,876 sqft) |
| Owner | Company Name on File |
| Last Sale | $880,000 (Feb 2026) |
| Tax Bill | $15,930 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00013-0000-00008-02 |
| Primary APN | 31-00013-0000-00008-02 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,638 sqft Living Area |
|---|
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 5,876 sqft (0.135 acres) |
| Lot Dimensions | 113 ft deep x 52 ft wide |
| Account Number | 030700 |
|---|---|
| Street Address | 5 CHARLES ST |
| City | LODI |
| State | NJ |
| Zip | 07644-1503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 52X113 |
| Legal Block | 13 |
| Legal Lot Number | 8.02 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 30201 |
5 Charles St is owned by a company that bought it in February 2026.
Source: Bergen County and Lodi Borough records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5 CHARLES ST, LODI, NJ 07644-1503 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Feb 4, 2026 | Deed, Transfer · Conventional Mortgage UNITED LENDING TEAM INC |
| Nov 23, 2021 | Deed, Transfer · Conventional Mortgage BOND STREET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2026 · Amount on File |
| Deed Sale | Feb 4, 2026 · Amount on File |
| Prior Sale | Nov 23, 2021 · Amount on File |
| Deed Document Number | 20267791 |
| Deed Book / Page | 5717 / 833 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 4, 2026 |
| Property Address | 5 CHARLES ST, LODI, NJ 07644-1503 |
| Document Number | 0057170833 |
| Book / Page | 5717 / 833 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 2026007791 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | EVIDENT TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,183.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 73 HILLCREST AVE, LODI, NJ 07644-2958 |
| Name | Verified Name |
|---|---|
| Address | 5 CHARLES ST, LODI, NJ 07644-1503 |
| Document Number | 2026007792 |
|---|---|
| Date | Feb 4, 2026 |
| Instrument | 2026007792 |
| Name | UNITED LENDING TEAM INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 23, 2021 |
| Property Address | 5 CHARLES ST, LODI, NJ 07644-1503 |
| Document Number | 0044691643 |
| Book / Page | 4469 / 1643 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 2021173672 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | REALSAFE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,874.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 PONDS EDGE LN, 2, WARREN, NJ 07059-6849 |
| Name | Verified Name |
|---|---|
| Address | 5 CHARLES ST, LODI, NJ 07644-1503 |
| Document Number | 2021173673 |
|---|---|
| Date | Nov 23, 2021 |
| Instrument | 2021173673 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 5 Charles St was $15,930, 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 | $450,000 (-) Land $154,100 Building $295,900 | $450,000 (-) Land $154,100 Building $295,900 | |
| 2025 | $15,930.00 (+5.61%) | $450,000 Land $154,100 Building $295,900 | $450,000 Land $154,100 Building $295,900 |
| 2024 | $15,084.00 | ||
| 2023 | $450,000 Land $154,100 Building $295,900 | $450,000 Land $154,100 Building $295,900 | |
| 2022 | $14,688.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Charles St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2007.
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 | 25 units insured incl. 20 condo units |
| Nearby Flood Claims | 8 (2007–2024) |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 5 Charles 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 96% of the US · lower than 89% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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