Bergen County and Lodi Borough property record for 86 Prospect St, Lodi, NJ 07644
| Property Type | Single Family Home |
|---|---|
| Details | 2,506 sqft · built 1915 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Mar 2011) |
| Tax Bill | $12,089 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00092-0000-00030 |
| Primary APN | 31-00092-0000-00030 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,506 sqft Living Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Construction Type | Frame |
| Lot Area | 4,400 sqft (0.101 acres) |
| Lot Dimensions | 88 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Account Number | 187200 |
|---|---|
| Street Address | 86 PROSPECT ST |
| City | LODI |
| State | NJ |
| Zip | 07644-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 50X88 |
| Legal Block | 92 |
| Legal Lot Number | 30 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | LODI |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30300 |
Source: Bergen County and Lodi Borough records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 86 PROSPECT ST, LODI, NJ 07644-2334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage MUNICIPAL CU |
| Sep 19, 2022 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2011 · Amount on Record |
| Deed Sale | Mar 28, 2011 · Amount on Record |
| Deed Document Number | 20117071728 |
| Deed Book / Page | 707 / 1728 |
| Last Transfer Date | Aug 9, 2022 |
| Transfer Doc | 0048111549 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 86 PROSPECT ST, LODI, NJ 07644-2334 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 86 PROSPECT ST 2, 2, LODI, NJ 07644-2334 |
| Document Number | 0056141293 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | 5614/1293 |
| Instrument | 2025067998 |
| Name | MUNICIPAL CU |
|---|---|
| Type | Credit Union |
| Address | NEW YORK, NY 10007 |
| Amount | Amount Recorded |
|---|---|
| Term | 117 Months |
| Due | Jul 25, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 19, 2022 |
| Property Address | 86 PROSPECT ST, LODI, NJ 07644-2334 |
| Document Number | 0048111549 |
| Book / Page | 4811 / 1549 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 2022092335 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 86 PROSPECT ST, 86, LODI, NJ 07644-2334 |
| Name | Verified Name |
|---|---|
| Address | 86 PROSPECT ST, LODI, NJ 07644-2334 |
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 | $341,500 (-) Land $140,200 Building $201,300 | $341,500 (-) Land $140,200 Building $201,300 | |
| 2025 | $12,089.00 (+5.61%) | $341,500 (-) Land $140,200 Building $201,300 | $341,500 (-) Land $140,200 Building $201,300 |
| 2024 | $11,447.00 (+2.7%) | ||
| 2023 | $341,500 Land $140,200 Building $201,300 | $341,500 Land $140,200 Building $201,300 | |
| 2022 | $11,146.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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