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69 Charles St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 69 Charles St, Lodi, NJ 07644

Property Summary

Property TypeSingle Family Home
Details2,332 sqft · built 1925
Lot Size0.034 acres (1,481 sqft)
OwnerCompany Name on Record
Last Sale$400,000 (Dec 2019)
Tax Bill$10,496 (2025)
Deeds & MortgagesNov 2025 Mortgage
Dec 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-00005-0000-00023-02

Property Details

APN / Parcel Number

Primary APN31-00005-0000-00023-02
Alternative APNs
  • 31000050000000230002
  • 012200

Interior

Stories2 Stories
Building Area2,332 sqft Living Area

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Exterior MaterialBrick
Construction TypeBrick
Lot Area1,481 sqft (0.034 acres)

Location & Zoning

Account Number012200
Street Address69 CHARLES ST
CityLODI
StateNJ
Zip07644-1080
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description.034AC
Legal SubdivisionBOGART HEIGHTS
Legal Block5
Legal Lot Number23.02
JurisdictionBERGEN NJ
Township / Civil DivisionLODI
Census Block Group1
Census Block1005
Census Tract30201

Owner

Source: Bergen County and Lodi Borough records, as of October 13, 2026

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

Owner of RecordCompany Name on Record
Mailing Address204 MARKET ST, GARFIELD, NJ 07026-2525
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2025Deed of Trust, Mortgage · Commercial Mortgage
VELOCITY COMMERCIAL CAPITAL LLC
Dec 2, 2019Deed with Mortgage, Transfer · Conventional Mortgage
OLIVIO & NYDIA BARARDO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 2, 2019 · Amount on Record
Deed SaleDec 2, 2019 · Amount on Record
Prior SaleDec 2, 2019 · Amount on Record
Deed Document Number201983228
Deed Book / Page3425 / 279
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address69 CHARLES ST, LODI, NJ 07644-1080
Transaction TypeMortgage
Record UpdatedDec 9, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address204 MARKET ST, GARFIELD, NJ 07026-2525

Mortgage

Document Number0056481681
DateNov 18, 2025
Book Page5648/1681
Instrument2025078309
Lender
NameVELOCITY COMMERCIAL CAPITAL LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

December 2019: Deed with Mortgage, Transfer

Document TypeDeed with Mortgage
JurisdictionBERGEN NJ
Recording DateDec 2, 2019
Property Address69 CHARLES ST, LODI, NJ 07644-1080
Document Number0034250279
Book / Page003425 / 000279
Instrument DateOct 25, 2019
Instrument83228
Transaction TypeTransfer
Record UpdatedDec 17, 2019
Title CompanyACRES LAND TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$400.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address204 MARKET ST GARFIELD NJ 070262525, GARFIELD, NJ 07026-2525

Mortgage

Document Number34250286
DateDec 2, 2019
Book Page003425/000286
Instrument83228
Lender
NameOLIVIO & NYDIA BARARDO
Address9 AIDA CT, LODI, NJ 07644-2511
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueDec 1, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityLodi Borough
Unified School DistrictLodi Borough School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$296,500 (-) Land $121,800 Building $174,700$296,500 (-) Land $121,800 Building $174,700
2025$10,496.00 (+5.6%)$296,500 (-) Land $121,800 Building $174,700$296,500 (-) Land $121,800 Building $174,700
2024$9,939.00 (+2.71%)
2023$296,500 Land $121,800 Building $174,700$296,500 Land $121,800 Building $174,700
2022$9,677.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemPASSAIC VALLEY WC LODI WD
serves 24,136 people · EPA ID NJ0231001
Water SourcePurchased surface water from PASSAIC VALLEY WATER COMMISSION
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 819 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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