Bergen County and Lodi Borough property record for 55 Prospect St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 1,924 sqft · built 1900 |
| Lot Size | 0.092 acres (3,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $106,000 (Jan 1999) |
| Tax Bill | $12,609 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00101-0000-00002 |
| Primary APN | 31-00101-0000-00002 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,924 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 3,999 sqft (0.092 acres) |
| Lot Dimensions | 80 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 207600 |
|---|---|
| Street Address | 55 PROSPECT ST |
| City | LODI |
| State | NJ |
| Zip | 07644-2337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 50X80 |
| Legal Block | 101 |
| Legal Lot Number | 2 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 30402 |
55 Prospect St is owned by an individual who bought it in January 1999.
Source: Bergen County and Lodi Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 53 PROSPECT ST, 55, LODI, NJ 07644-2337 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2017 | Deed of Trust, Mortgage HOMEBRIDGE FIN'L SVCS INC |
| May 2, 2017 | Grant Deed, Transfer · FHA Mortgage MORTGAGE UNLIMITED |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 1999 · Amount on File |
| Deed Sale | Jan 21, 1999 · Amount on File |
| Deed Document Number | 199911640 |
| Deed Book / Page | 8138 / 265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 55 PROSPECT ST, LODI, NJ 07644-2337 |
| Document Number | 0028271030 |
| Book / Page | 002827 / 001030 |
| Instrument Date | Dec 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2018 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 53 PROSPECT ST LODI NJ 076442337, LODI, NJ 07644-2337 |
| Document Number | 0028271030 |
|---|---|
| Date | Jan 5, 2018 |
| Book Page | 002827/001030 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 4, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 2, 2017 |
| Property Address | 55 PROSPECT ST, LODI, NJ 07644-2337 |
| Document Number | 0026002091 |
| Book / Page | 002600 / 002091 |
| Instrument Date | Nov 16, 2016 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 53-55 PROSPECT ST LODI NJ 076442337, LODI, NJ 07644-2337 |
| Document Number | 26002096 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 002600/002096 |
| Name | MORTGAGE UNLIMITED |
|---|---|
| Type | Mortgage Company |
| Address | GARFIELD, NJ 07026 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 55 Prospect St was $12,609, 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 | $356,200 (-) Land $154,100 Building $202,100 | $356,200 (-) Land $154,100 Building $202,100 | |
| 2025 | $12,609.00 (+5.61%) | $356,200 Land $154,100 Building $202,100 | $356,200 Land $154,100 Building $202,100 |
| 2024 | $11,939.00 | ||
| 2023 | $356,200 Land $154,100 Building $202,100 | $356,200 Land $154,100 Building $202,100 | |
| 2022 | $11,626.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 Prospect St 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.
The area around 55 Prospect St 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures