Bergen County and Franklin Lakes Borough property record for 686 Ginger Ln, Franklin Lakes, NJ 07417
| Property Type | Single Family Home |
|---|---|
| Details | 5,195 sqft · built 2002 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $23,937 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02309-02-00002-04 |
| Primary APN | 20-02309-02-00002-04 |
|---|---|
| Alternative APNs |
|
| Building Area | 5,195 sqft Living Area |
|---|
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 44,867 sqft (1.03 acres) |
| Account Number | 24860 |
|---|---|
| Street Address | 686 GINGER LN |
| City | FRANKLIN LAKES |
| State | NJ |
| Zip | 07417-2208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A40 |
| Legal Description | 1.03 AC |
| Legal Subdivision | POINT VIEW SUB SEC 01 |
| Legal Block | 2309 |
| Legal Lot Number | 2.04 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FRANKLIN LAKES |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 20200 |
Source: Bergen County and Franklin Lakes Borough records, as of October 13, 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 | 686 GINGER LN, FRANKLIN LAKES, NJ 07417-2208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 29, 2013 |
| Transfer Doc | 0013112343 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 686 GINGER LN, FRANKLIN LAKES, NJ 07417-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0039001865 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 3900/1865 |
| Instrument | 21-002534 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 1, 2035 |
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 | $1,257,200 (-) Land $453,000 Building $804,200 | $1,257,200 (-) Land $453,000 Building $804,200 | |
| 2025 | $23,937.00 (+6.01%) | $1,257,200 (-) Land $453,000 Building $804,200 | $1,257,200 (-) Land $453,000 Building $804,200 |
| 2024 | $22,579.00 (+6.52%) | ||
| 2023 | $1,257,200 Land $453,000 Building $804,200 | $1,257,200 Land $453,000 Building $804,200 | |
| 2022 | $21,196.00 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% 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.
Source: FCC Broadband Data Collection, based on 132 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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