Bergen County and Lodi Borough property record for 78 Prospect St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 2,256 sqft · built 1885 |
| Lot Size | 0.084 acres (3,650 sqft) |
| Owner | Individual Name on File |
| Last Sale | $83,333 (Jul 2013) |
| Tax Bill | $11,838 (2025) |
| Deeds & Mortgages | Mar 2018 Transfer Jan 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00092-0000-00032 |
| Primary APN | 31-00092-0000-00032 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,256 sqft Living Area |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Exterior Material | Stucco |
| Lot Area | 3,650 sqft (0.084 acres) |
| Lot Dimensions | 88 ft deep x 5 ft wide |
| Account Number | 187400 |
|---|---|
| Street Address | 78 PROSPECT ST |
| City | LODI |
| State | NJ |
| Zip | 07644-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 41.5X88 |
| Legal Block | 92 |
| Legal Lot Number | 32 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30300 |
78 Prospect St is owned and occupied by an individual who bought it in July 2013.
Source: Bergen County and Lodi Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78 PROSPECT ST, LODI, NJ 07644-2334 |
| 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.
| Date | Document |
|---|---|
| Mar 26, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jan 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Mar 10, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2013 · Amount on File |
| Deed Sale | Jul 12, 2013 · Amount on File |
| Prior Sale | Jun 3, 2013 · Amount on File |
| Deed Document Number | 201376695 |
| Deed Book / Page | 1453 / 2464 |
| Prior Transfer Date | Dec 15, 2008 |
| Prior Transfer Doc | 0000201673 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 26, 2018 |
| Property Address | 78 PROSPECT ST, LODI, NJ 07644-2334 |
| Document Number | 0028902471 |
| Book / Page | 002890 / 002471 |
| Instrument Date | Feb 22, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 PROSPECT ST LODI NJ 076442334, LODI, NJ 07644-2334 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 78 PROSPECT ST, LODI, NJ 07644-2334 |
| Document Number | 0028551196 |
| Book / Page | 002855 / 001196 |
| Instrument Date | Jan 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 PROSPECT ST #1 LODI NJ 076442334, 1, LODI, NJ 07644-2334 |
| Document Number | 0028551196 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 002855/001196 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 10, 2017 |
| Property Address | 78 PROSPECT ST, LODI, NJ 07644-2334 |
| Document Number | 0025601681 |
| Book / Page | 02560 / 1681 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 17-022284 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 78 PROSPECT ST, LODI, NJ 07644-2334 |
| Document Number | 0025601688 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 02560/1688 |
| Instrument | 17-022284.01 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2037 |
The 2025 property tax bill for 78 Prospect St was $11,838, 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 | $334,400 (-) Land $135,500 Building $198,900 | $334,400 (-) Land $135,500 Building $198,900 | |
| 2025 | $11,838.00 (+5.61%) | $334,400 Land $135,500 Building $198,900 | $334,400 Land $135,500 Building $198,900 |
| 2024 | $11,209.00 | ||
| 2023 | $334,400 Land $135,500 Building $198,900 | $334,400 Land $135,500 Building $198,900 | |
| 2022 | $10,914.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Prospect St in Zone X, an area of minimal flood risk, though there have been 97 flood claims nearby since 1978.
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 File 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 |
|
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 78 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 |
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