747 Oak Ln, Franklin Lakes, NJ 07417 Property Records

Bergen County and Franklin Lakes Borough property record for 747 Oak Ln, Franklin Lakes, NJ 07417

Property Summary

Property Type	Single Family Home
Details	4,816 sqft · built 1977
Lot Size	0.918 acres (39,988 sqft)
Owner	2 Individual Names on File
Last Sale	$1,320,000 (Aug 2026)
Tax Bill	$22,600 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-02304-02-00016`

Property Details

APN / Parcel Number

Primary APN	`20-02304-02-00016`
Alternative APNs	`2002304000200016` `23250`

Interior

Building Area	4,816 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	39,988 sqft (0.918 acres)

Location & Zoning

Account Number	23250
Street Address	747 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	.918
Legal Block	2304
Legal Lot Number	16
Jurisdiction	BERGEN NJ
Township / Civil Division	FRANKLIN LAKES
Census Block Group	1
Census Block	1008
Census Tract	20200

Owner

747 Oak Ln is owned and occupied by two individuals who bought it in August 2026.

Source: Bergen County and Franklin Lakes Borough records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 11, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit VAST BANK NA
May 24, 2021	Deed of Trust, Mortgage VAST BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Deed Document Number	202655583
Deed Book / Page	5872 / 1224
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Aug 11, 2026
Property Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334
Document Number	0000055584
Book / Page	5872 / 1231
Instrument Date	Jul 23, 2026
Instrument	202655584
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	AMERICAN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 N WALNUT ST, RIDGEWOOD, NJ 07450-2629

Mortgage

Document Number	0000055584,
Date	Aug 11, 2026
Book Page	5872/1231
Instrument	202655584

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 11, 2026
Property Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334
Document Number	0000055583
Book / Page	5872 / 1224
Instrument Date	Jul 23, 2026
Instrument	202655583
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	CSC DOCUMENT RECORDING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334

Mortgage

Document Number	0000055584,
Date	Aug 11, 2026
Instrument	202655584

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334

Mortgage

Document Number	0042980894
Date	Jul 28, 2021
Book Page	4298/894
Instrument	2021121083

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	747 OAK LN, FRANKLIN LAKES, NJ 07417-2334

Mortgage

Document Number	0041640042
Date	May 24, 2021
Book Page	4164/42
Instrument	2021082358

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 747 Oak Ln was $22,600, up 6% from the year before.

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		$1,187,000 (-) Land $433,600 Building $753,400	$1,187,000 (-) Land $433,600 Building $753,400
2025	$22,600.00 (+6.01%)	$1,187,000 Land $433,600 Building $753,400	$1,187,000 Land $433,600 Building $753,400
2024	$21,318.00
2023		$1,187,000 Land $433,600 Building $753,400	$1,187,000 Land $433,600 Building $753,400
2022	$20,012.00

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

Flood

FEMA maps place 747 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	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

Wildfire risk around 747 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	None beyond ember reach

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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