786 Hemlock Ct, Franklin Lakes, NJ 07417 Property Records

Bergen County and Franklin Lakes Borough property record for 786 Hemlock Ct, Franklin Lakes, NJ 07417

Property Summary

Property Type	Single Family Home
Details	5,648 sqft · built 1982
Lot Size	0.986 acres (42,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,955,000 (Mar 2022)
Tax Bill	$28,556 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-02307-0000-00001-07`

Property Details

APN / Parcel Number

Primary APN	`20-02307-0000-00001-07`
Alternative APNs	`20023070000000010007` `24440`

Interior

Stories	2 Stories
Building Area	5,648 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	42,950 sqft (0.986 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	24440
Street Address	786 HEMLOCK CT
City	FRANKLIN LAKES
State	NJ
Zip	07417-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A40
Legal Description	.986 AC
Legal Subdivision	LENAPE HILLS SUB SEC 7
Legal Block	2307
Legal Lot Number	1.07
Jurisdiction	BERGEN NJ
Township / Civil Division	FRANKLIN LAKES
Census Block Group	1
Census Block	1034
Census Tract	20200

Owner

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	786 HEMLOCK CT, FRANKLIN LAKES, NJ 07417-2246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 27, 2019	Deed of Trust, Mortgage · ARM MORGAN STANLEY CREDIT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Aug 27, 1997 · Amount on Record
Deed Document Number	202235463
Deed Book / Page	4632 / 978
Prior Transfer Date	Dec 8, 2021
Prior Transfer Doc	0000184993
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 25, 2022
Property Address	786 HEMLOCK CT, FRANKLIN LAKES, NJ 07417-2246
Document Number	0046320978
Book / Page	4632 / 978
Instrument Date	Jan 24, 2022
Instrument	2022035463
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	ASSOCIATED TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,680.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 SPRING HOLLOW RD, 101, FAR HILLS, NJ 07931-2765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 HEMLOCK CT, FRANKLIN LAKES, NJ 07417-2246

Mortgage

Document Number	2022035464
Date	Mar 25, 2022
Instrument	2022035464

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	786 HEMLOCK CT, FRANKLIN LAKES, NJ 07417-2246
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032070341
Date	Mar 27, 2019
Book Page	3207/341
Instrument	19-019133

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Apr 1, 2026
Index	1-Year LIBOR

Tax Assessment & Valuation

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		$1,499,800 (-) Land $447,200 Building $1,052,600	$1,499,800 (-) Land $447,200 Building $1,052,600
2025	$28,556.00 (+6.01%)	$1,499,800 (-) Land $447,200 Building $1,052,600	$1,499,800 (-) Land $447,200 Building $1,052,600
2024	$26,936.00 (+6.53%)
2023		$1,499,800 Land $447,200 Building $1,052,600	$1,499,800 Land $447,200 Building $1,052,600
2022	$25,286.00

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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