104 Franklin St, Dumont, NJ 07628 Property Records

Bergen County and Dumont Borough property record for 104 Franklin St, Dumont, NJ 07628

Property Summary

Property Type	Single Family Home
Details	1,646 sqft · built 1955
Lot Size	0.154 acres (6,695 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Sep 2024)
Tax Bill	$13,399 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-00323-0000-00001`

Property Details

APN / Parcel Number

Primary APN	`10-00323-0000-00001`
Alternative APNs	`100032300001` `420800`

Interior

Building Area	1,646 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	6,695 sqft (0.154 acres)
Lot Dimensions	93 ft deep x 72 ft wide

Location & Zoning

Account Number	420800
Street Address	104 FRANKLIN ST
City	DUMONT
State	NJ
Zip	07628-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	72X93
Legal Subdivision	DELONG GARDENS DUMONT BERGEN C
Legal Block	323
Legal Lot Number	1
Jurisdiction	BERGEN NJ
Township / Civil Division	DUMONT
Census Block Group	1
Census Block	1001
Census Tract	10100

Owner

104 Franklin St is owned and occupied by two individuals who bought it in September 2024.

Source: Bergen County and Dumont Borough records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 28, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
May 18, 2022	Intrafamily Transfer, Transfer · FHA Mortgage ADVISORS MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	May 18, 2022
Deed Document Number	202453713
Deed Book / Page	5317 / 869
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Apr 17, 2026
Property Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302
Document Number	0000025774
Book / Page	5775 / 675
Instrument Date	Mar 9, 2026
Instrument	202625774
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302

Mortgage

Document Number	0000025774,
Date	Apr 17, 2026
Book Page	5775/675
Instrument	202625774

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Apr 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302

Mortgage

Document Number	0050251376
Date	Jun 28, 2023
Book Page	5025/1376
Instrument	2023042453

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	May 18, 2022
Property Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302
Document Number	0046850479
Book / Page	4685 / 479
Instrument Date	Mar 16, 2022
Instrument	2022051936
Transaction Type	Transfer
Record Updated	Jun 28, 2022
Title Company	SURE TITLE COMPANY LLC, SURETY TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 BIRCH ST, 40, PORT WASHINGTON, NY 11050-4319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 FRANKLIN ST, DUMONT, NJ 07628-1302

Mortgage

Document Number	2022051937
Date	May 18, 2022
Instrument	2022051937

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 104 Franklin St was $13,399, up 5.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$617,400 (+7.82%) Land $355,800 Building $261,600	$617,400 (+7.82%) Land $355,800 Building $261,600
2025	$13,399.00 (+5.58%)	$572,600 Land $324,200 Building $248,400	$572,600 Land $324,200 Building $248,400
2024	$12,691.00
2023		$311,400 Land $171,000 Building $140,400	$311,400 Land $171,000 Building $140,400
2022	$12,091.00

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

Flood

FEMA maps place 104 Franklin 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.

Wildfire

Wildfire risk around 104 Franklin St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Jan 2021
Monitoring and Reporting	None 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 621 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

May also be available: T-Mobile.

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