89 Prospect St, Lodi, NJ 07644 Property Records

Bergen County and Lodi Borough property record for 89 Prospect St, Lodi, NJ 07644

Property Summary

Property Type	Single Family Home
Details	2,484 sqft · built 1923
Lot Size	0.085 acres (3,698 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Apr 2018)
Tax Bill	$12,156 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00099-01-00003`

Property Details

APN / Parcel Number

Primary APN	`31-00099-01-00003`
Alternative APNs	`3100099000100003` `200200`

Interior

Stories	2 Stories
Building Area	2,484 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Frame
Construction Type	Frame
Lot Area	3,698 sqft (0.085 acres)
Lot Dimensions	100 ft deep x 37 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	200200
Street Address	89 PROSPECT ST
City	LODI
State	NJ
Zip	07644-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	37X100
Legal Subdivision	HUNTER
Legal Block	99.01
Legal Lot Number	3
Jurisdiction	BERGEN NJ
Township / Civil Division	LODI
Census Block Group	4
Census Block	4003
Census Tract	30402

Owner

89 Prospect St is owned by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	184 ERIE AVE, MIDLAND PARK, NJ 07432-1677
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2018 · Amount on File
Deed Sale	Apr 4, 2018 · Amount on File
Prior Sale	Mar 5, 1998 · Amount on File
Deed Document Number	201818-022208
Deed Book / Page	2898 / 673
Record Updated	Oct 29, 2026

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 4, 2018
Property Address	89 PROSPECT ST, LODI, NJ 07644-2339
Document Number	0028980673
Book / Page	002898 / 000673
Instrument Date	Mar 9, 2018
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 COLONA ST WYCKOFF NJ 074812722, WYCKOFF, NJ 07481-2722

Mortgage

Document Number	28980679
Date	Apr 4, 2018
Book Page	002898/000679

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 89 Prospect St was $12,156, up 5.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Lodi Borough
Unified School District	Lodi Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$343,400 (-) Land $151,300 Building $192,100	$343,400 (-) Land $151,300 Building $192,100
2025	$12,156.00 (+5.61%)	$343,400 Land $151,300 Building $192,100	$343,400 Land $151,300 Building $192,100
2024	$11,510.00
2023		$343,400 Land $151,300 Building $192,100	$343,400 Land $151,300 Building $192,100
2022	$11,208.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 89 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.

Wildfire

The area around 89 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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