Bergen County and Franklin Lakes Borough property record for 700 Oak Ln, Franklin Lakes, NJ 07417
| Property Type | Single Family Home |
|---|---|
| Details | 4,482 sqft · built 1980 |
| Lot Size | 0.918 acres (39,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $875,000 (Nov 2017) |
| Tax Bill | $16,660 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02304-03-00007 |
| Primary APN | 20-02304-03-00007 |
|---|---|
| Alternative APNs |
|
| Building Area | 4,482 sqft Living Area |
|---|
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 39,988 sqft (0.918 acres) |
| Account Number | 23640 |
|---|---|
| Street Address | 700 OAK LN |
| City | FRANKLIN LAKES |
| State | NJ |
| Zip | 07417-2309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A40 |
| Legal Description | .918AC |
| Legal Subdivision | DOWNS ACRES SEC 2 |
| Legal Block | 2304 |
| Legal Lot Number | 7 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FRANKLIN LAKES |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 20200 |
700 Oak Ln is owned and occupied by two individuals who bought it in November 2017.
Source: Bergen County and Franklin Lakes Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 700 OAK LN, FRANKLIN LAKES, NJ 07417-2309 |
| 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 |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA |
| Aug 16, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA |
| Feb 21, 2018 | Deed of Trust, Mortgage SANTANDER BK NA |
| Nov 22, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2017 · Amount on File |
| Deed Sale | Nov 22, 2017 · Amount on File |
| Prior Sale | Mar 5, 1998 · Amount on File |
| Deed Document Number | 201717-088766 |
| Deed Book / Page | 2792 / 562 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 700 OAK LN, FRANKLIN LAKES, NJ 07417-2309 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043780355 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 4378/355 |
| Instrument | 2021145679 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 700 OAK LN, FRANKLIN LAKES, NJ 07417-2309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | HUDSON ONE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0033240410 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 3324/410 |
| Instrument | 19-053698 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 700 OAK LN, FRANKLIN LAKES, NJ 07417-2309 |
| Document Number | 0028770772 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2018 |
| Title Company | HUDSON ONE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 700 OAK LN FRANKLIN LAKES NJ 074172309, FRANKLIN LAKES, NJ 07417-2309 |
| Document Number | 0028770772 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 002877/000772 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 22, 2017 |
| Property Address | 700 OAK LN, FRANKLIN LAKES, NJ 07417-2309 |
| Document Number | 0027920562 |
| Book / Page | 2792 / 562 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 00017-088766 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 700 OAK LN, FRANKLIN LAKES, NJ 07417-2309 |
The 2025 property tax bill for 700 Oak Ln was $16,660, 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 | $875,000 (-) Land $391,300 Building $483,700 | $875,000 (-) Land $391,300 Building $483,700 | |
| 2025 | $16,660.00 (+6.01%) | $875,000 Land $391,300 Building $483,700 | $875,000 Land $391,300 Building $483,700 |
| 2024 | $15,715.00 | ||
| 2023 | $875,000 Land $391,300 Building $483,700 | $875,000 Land $391,300 Building $483,700 | |
| 2022 | $14,752.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 700 Oak Ln 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 700 Oak Ln 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 95% of the US · lower than 87% 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.
Source: FCC Broadband Data Collection, based on 164 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 |
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