Bergen County and Lodi Borough property record for 81 Charles St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 2,714 sqft · built 1920 |
| Lot Size | 0.09 acres (3,929 sqft) |
| Owner | Individual Name on File |
| Last Sale | $570,000 (May 2005) |
| Tax Bill | $14,121 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00003-0000-00020-04 |
| Primary APN | 31-00003-0000-00020-04 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,714 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 3,929 sqft (0.09 acres) |
| Lot Dimensions | 77 ft deep x 51 ft wide |
| Account Number | 006700 |
|---|---|
| Street Address | 81 CHARLES ST |
| City | LODI |
| State | NJ |
| Zip | 07644-1022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 51X77 |
| Legal Block | 3 |
| Legal Lot Number | 20.04 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 30201 |
81 Charles St is owned and occupied by an individual who bought it in May 2005.
Source: Bergen County and Lodi Borough records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 81 CHARLES ST, LODI, NJ 07644-1022 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2005 · Amount on File |
| Deed Sale | May 11, 2005 · Amount on File |
| Prior Sale | Dec 19, 1996 · Amount on File |
| Deed Book / Page | 8810 / 190 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 81 Charles St was $14,121, 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 | $398,900 (-) Land $153,000 Building $245,900 | $398,900 (-) Land $153,000 Building $245,900 | |
| 2025 | $14,121.00 (+5.61%) | $398,900 Land $153,000 Building $245,900 | $398,900 Land $153,000 Building $245,900 |
| 2024 | $13,371.00 | ||
| 2023 | $398,900 Land $153,000 Building $245,900 | $398,900 Land $153,000 Building $245,900 | |
| 2022 | $13,020.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Charles St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 81 Charles 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 819 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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