Bergen County and Franklin Lakes Borough property record for 402 Jay Ct, Franklin Lakes, NJ 07417
| Property Type | Single Family Home |
|---|---|
| Details | 4,627 sqft · built 2002 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,900,000 (Jun 2007) |
| Tax Bill | $30,296 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02205-0000-00003-01 |
| Primary APN | 20-02205-0000-00003-01 |
|---|---|
| Alternative APN |
|
| Building Area | 4,627 sqft Living Area |
|---|
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 41,818 sqft (0.96 acres) |
| Street Address | 402 JAY CT |
|---|---|
| City | FRANKLIN LAKES |
| State | NJ |
| Zip | 07417-2235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A40 |
| Legal Description | .96 AC |
| Legal Subdivision | OAK-MONT ESTATES |
| Legal Block | 2205 |
| Legal Lot Number | 3.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FRANKLIN LAKES |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 20200 |
402 Jay Ct is owned and occupied by an individual who bought it in June 2007.
Source: Bergen County and Franklin Lakes Borough records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 JAY CT, FRANKLIN LAKES, NJ 07417-2235 |
| 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.
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 24, 2019 | Deed of Trust, Mortgage · Balloon Mortgage VALLEY NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2007 · Amount on File |
| Deed Sale | Jun 1, 2007 · Amount on File |
| Prior Sale | Aug 9, 2002 · Amount on File |
| Deed Document Number | 200762544 |
| Deed Book / Page | 9325 / 404 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 402 JAY CT, FRANKLIN LAKES, NJ 07417-2235 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041560618 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 4156/618 |
| Instrument | 2021080062 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 402 JAY CT, FRANKLIN LAKES, NJ 07417-2235 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033561124 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 3356/1124 |
| Instrument | 19-063021 |
| Name | VALLEY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 402 Jay Ct was $30,296, up 6% from the year before.
Source: Bergen County and Franklin Lakes Borough assessment roll, as of June 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,591,200 (-) Land $419,900 Building $1,171,300 | $1,591,200 (-) Land $419,900 Building $1,171,300 | |
| 2025 | $30,296.00 (+6.02%) | $1,591,200 Land $419,900 Building $1,171,300 | $1,591,200 Land $419,900 Building $1,171,300 |
| 2024 | $28,577.00 | ||
| 2023 | $1,591,200 Land $419,900 Building $1,171,300 | $1,591,200 Land $419,900 Building $1,171,300 | |
| 2022 | $26,827.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Jay Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.
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 |
|
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 risk around 402 Jay Ct is low, with 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 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 78 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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