Bergen County and Franklin Lakes Borough property record for 731 Oak Ln, Franklin Lakes, NJ 07417
| Property Type | Single Family Home |
|---|---|
| Details | 4,525 sqft · built 1979 |
| Lot Size | 0.918 acres (39,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Jan 2018) |
| Tax Bill | $19,040 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02304-02-00018 |
| Primary APN | 20-02304-02-00018 |
|---|---|
| Alternative APNs |
|
| Building Area | 4,525 sqft Living Area |
|---|
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 39,988 sqft (0.918 acres) |
| Account Number | 23270 |
|---|---|
| Street Address | 731 OAK LN |
| City | FRANKLIN LAKES |
| State | NJ |
| Zip | 07417-2334 |
| 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 | 18 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FRANKLIN LAKES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20200 |
731 Oak Ln is owned and occupied by two individuals who bought it in January 2018.
Source: Bergen County and Franklin Lakes Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 731 OAK LN, FRANKLIN LAKES, NJ 07417-2334 |
| 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 |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 16, 2018 | Grant Deed, Transfer NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2018 · Amount on File |
| Deed Sale | Jan 16, 2018 · Amount on File |
| Deed Document Number | 201818-003569 |
| Deed Book / Page | 2836 / 1197 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 731 OAK LN, FRANKLIN LAKES, NJ 07417-2334 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035781770 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 3578/1770 |
| Instrument | 20-042173 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | 42340 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 16, 2018 |
| Property Address | 731 OAK LN, FRANKLIN LAKES, NJ 07417-2334 |
| Document Number | 0028361197 |
| Book / Page | 002836 / 001197 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 731 OAK LN FRANKLIN LAKES NJ 074172334, FRANKLIN LAKES, NJ 07417-2334 |
| Document Number | 28361203 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 002836/001203 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 15, 2048 |
The 2025 property tax bill for 731 Oak Ln was $19,040, 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 | $1,000,000 (-) Land $433,600 Building $566,400 | $1,000,000 (-) Land $433,600 Building $566,400 | |
| 2025 | $19,040.00 (+6.01%) | $1,000,000 Land $433,600 Building $566,400 | $1,000,000 Land $433,600 Building $566,400 |
| 2024 | $17,960.00 | ||
| 2023 | $1,000,000 Land $433,600 Building $566,400 | $1,000,000 Land $433,600 Building $566,400 | |
| 2022 | $16,860.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 731 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 731 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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