5 James St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 5 James St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,840 sqft · built 1913
Lot Size	0.058 acres (2,526 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Feb 2022)
Tax Bill	$9,162 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00094-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`31-00094-0000-00005`
Alternative APNs	`310009400005` `189300`

Interior

Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Brick
Construction Type	Brick
Lot Area	2,526 sqft (0.058 acres)
Lot Dimensions	101 ft deep x 25 ft wide

Location & Zoning

Account Number	189300
Street Address	5 JAMES ST
City	LODI
State	NJ
Zip	07644-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	25X101
Legal Subdivision	MERCER CO MAP #1
Legal Block	94
Legal Lot Number	5
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	3
Census Block	3010
Census Tract	30300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	5 JAMES ST, LODI, NJ 07644-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Prior Sale	Aug 18, 2006 · Amount on Record
Deed Document Number	202225311
Deed Book / Page	4599 / 639
Record Updated	Sep 20, 2026

February 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 28, 2022
Property Address	5 JAMES ST, LODI, NJ 07644-2305
Document Number	0045990639
Book / Page	4599 / 639
Instrument Date	Feb 24, 2022
Instrument	2022025311
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	BELMONT TITLE AND SETTLEMENT SERVICES, BELMONT TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,119.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 BIRCHWOOD DR, 178, ELMWOOD PARK, NJ 07407-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 JAMES ST, LODI, NJ 07644-2305

Mortgage

Document Number	2022025312
Date	Feb 28, 2022
Instrument	2022025312

Lender

Name	PANORAMA MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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		$258,800 (-) Land $128,500 Building $130,300	$258,800 (-) Land $128,500 Building $130,300
2025	$9,162.00 (+5.63%)	$258,800 (-) Land $128,500 Building $130,300	$258,800 (-) Land $128,500 Building $130,300
2024	$8,674.00 (+2.69%)
2023		$258,800 Land $128,500 Building $130,300	$258,800 Land $128,500 Building $130,300
2022	$8,447.00

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