298 Tortoise Ln, Franklin Lakes, NJ 07417 Property Records

Bergen County and Franklin Lakes Borough property record for 298 Tortoise Ln, Franklin Lakes, NJ 07417

Property Summary

Property Type	Single Family Home
Details	3,282 sqft · built 1960
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (May 2022)
Tax Bill	$16,679 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-02304-0000-00002`

Property Details

APN / Parcel Number

Primary APN	`20-02304-0000-00002`
Alternative APNs	`200230400002` `22950`

Interior

Stories	2 Stories
Building Area	3,282 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	43,560 sqft

Location & Zoning

Account Number	22950
Street Address	298 TORTOISE LN
City	FRANKLIN LAKES
State	NJ
Zip	07417-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A40
Legal Description	1.0AC
Legal Subdivision	FRANKLIN G SEC 2
Legal Block	2304
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	FRANKLIN LAKES
Census Block Group	1
Census Block	1009
Census Tract	20200

Owner

Source: Bergen County and Franklin Lakes 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	2 Individual Names on Record
Mailing Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 5, 2022	Deed, Transfer · Conventional Mortgage HOMELAND LENDING LLC
Jun 30, 2021	Intrafamily Transfer, Transfer SURREY TITLE COMPANY, SURETY TITLE COMPANY
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage INVESTORS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2022 · Amount on Record
Deed Sale	May 5, 2022 · Amount on Record
Prior Sale	Jul 1, 2013 · Amount on Record
Deed Document Number	202248270
Deed Book / Page	4672 / 1998
Prior Transfer Date	Mar 8, 2021
Prior Transfer Doc	0042480276
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041430040
Date	May 13, 2021
Book Page	4143/40
Instrument	2021076104

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	May 5, 2022
Property Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332
Document Number	0046721998
Book / Page	4672 / 1998
Instrument Date	Feb 28, 2022
Instrument	2022048270
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	298 TORTOISE LN, 298, FRANKLIN LAKES, NJ 07417-2332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332

Mortgage

Document Number	2022048271
Date	May 5, 2022
Instrument	2022048271

Lender

Name	HOMELAND LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Jun 30, 2021
Property Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332
Document Number	0042480276
Book / Page	4248 / 276
Instrument Date	Mar 8, 2021
Instrument	2021106152
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	SURREY TITLE COMPANY, SURETY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	298 TORTOISE LN, FRANKLIN LAKES, NJ 07417-2332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035920547
Date	May 7, 2020
Book Page	3592/547
Instrument	20-046620

Lender

Name	INVESTORS BANK
Type	Bank
Address	MILLBURN, NJ 07041

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Franklin Lakes Borough
Elementary School District	Franklin Lakes Borough School District (KG - 08)
Secondary School District	Ramapo-Indian Hill Regional School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$876,000 (-) Land $450,000 Building $426,000	$876,000 (-) Land $450,000 Building $426,000
2025	$16,679.00 (+6.01%)	$876,000 (-) Land $450,000 Building $426,000	$876,000 (-) Land $450,000 Building $426,000
2024	$15,733.00 (+14.02%)
2023		$876,000 Land $450,000 Building $426,000	$876,000 Land $450,000 Building $426,000
2022	$13,798.00

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

Flood

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1978–2013)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2013 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 89% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: T-Mobile.

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