54 Lawrence Ave, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 54 Lawrence Ave, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	1,496 sqft · built 1950
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Sep 2019)
Tax Bill	$12,057 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-00120-0000-00003`

Property Details

APN / Parcel Number

Primary APN	`31-00120-0000-00003`
Alternative APNs	`310012000003` `243400`

Interior

Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	1,496 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	243400
Street Address	54 LAWRENCE AVE
City	LODI
State	NJ
Zip	07644-3211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X115
Legal Subdivision	PROSPECT HILLS #2 SEC 2
Legal Block	120
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	3
Census Block	3002
Census Tract	30402

Owner

54 Lawrence Ave is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 LAWRENCE AVE, LODI, NJ 07644-3211
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW PENN FINANCIAL LLC
Sep 17, 2019	Deed, Transfer · Stand-Alone Refinance PNC BANK NA
Jun 1, 2018	Deed with Mortgage, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Document Number	201961382
Deed Book / Page	3350 / 1691
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	54 LAWRENCE AVE, LODI, NJ 07644-3211
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039431464
Date	Feb 4, 2021
Book Page	3943/1464
Instrument	21-015355

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	54 LAWRENCE AVE, LODI, NJ 07644-3211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032450613
Date	May 17, 2019
Book Page	3245/613
Instrument	19-030966

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 17, 2019
Property Address	54 LAWRENCE AVE, LODI, NJ 07644-3211
Document Number	0033501691
Book / Page	3350 / 1691
Instrument Date	Aug 1, 2019
Instrument	19-061382
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 LAWRENCE AVE, LODI BORO, NJ

Mortgage

Document Number	0033501696
Date	Sep 17, 2019
Book Page	3350/1696
Instrument	2019-061382.01

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Jun 1, 2018
Property Address	54 LAWRENCE AVE, LODI, NJ 07644-3211
Document Number	0029542108
Book / Page	002954 / 002108
Instrument Date	Apr 5, 2018
Instrument	38332
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 LAWRENCE AVE LODI NJ 076443211, LODI, NJ 07644-3211

Mortgage

Document Number	29542114
Date	Jun 1, 2018
Book Page	002954/002114
Instrument	38332

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 54 Lawrence Ave was $12,057, up 5.6% from the year before.

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		$340,600 (-) Land $165,400 Building $175,200	$340,600 (-) Land $165,400 Building $175,200
2025	$12,057.00 (+5.61%)	$340,600 Land $165,400 Building $175,200	$340,600 Land $165,400 Building $175,200
2024	$11,416.00
2023		$340,600 Land $165,400 Building $175,200	$340,600 Land $165,400 Building $175,200
2022	$11,117.00

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

Flood

FEMA maps place 54 Lawrence Ave in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 54 Lawrence Ave 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.

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 966 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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