Bergen County and Franklin Lakes Borough property record for 856 Shadow Ridge Rd, Franklin Lakes, NJ 07417
| Property Type | Single Family Home |
|---|---|
| Details | 3,862 sqft · built 1978 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,600,000 (Dec 2022) |
| Tax Bill | $19,487 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage May 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-01607-04-00005 |
| Primary APN | 20-01607-04-00005 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,862 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Lot Area | 43,560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 17230 |
|---|---|
| Street Address | 856 SHADOW RIDGE RD |
| City | FRANKLIN LAKES |
| State | NJ |
| Zip | 07417-1516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A130 |
| Legal Description | 1.0 AC |
| Legal Subdivision | WINTON GAIT SEC 1 |
| Legal Block | 1607 |
| Legal Lot Number | 5 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FRANKLIN LAKES |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20100 |
856 Shadow Ridge Rd is owned and occupied by two individuals who bought it in December 2022.
Source: Bergen County and Franklin Lakes Borough records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 856 SHADOW RIDGE RD, FRANKLIN LAKES, NJ 07417-1516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Dec 8, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| May 3, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 26, 2020 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2022 · Amount on File |
| Deed Sale | Dec 8, 2022 · Amount on File |
| Prior Sale | Feb 26, 2020 · Amount on File |
| Deed Document Number | 2022113463 |
| Deed Book / Page | 4878 / 1801 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 8, 2022 |
| Property Address | 856 SHADOW RIDGE RD, FRANKLIN LAKES, NJ 07417-1516 |
| Document Number | 0048781801 |
| Book / Page | 4878 / 1801 |
| Instrument Date | Nov 8, 2022 |
| Instrument | 2022113463 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2023 |
| Title Company | CB TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 80 KNICKERBOCKER RD, DEMAREST, NJ 07627-1431 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 856 SHADOW RIDGE RD, FRANKLIN LAKES, NJ 07417-1516 |
| Document Number | 2022113464 |
|---|---|
| Date | Dec 8, 2022 |
| Instrument | 2022113464 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.6% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.6% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 856 SHADOW RIDGE RD, FRANKLIN LAKES, NJ 07417-1516 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 0046701606 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 4670/1606 |
| Instrument | 2022047598 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 8, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Feb 26, 2020 |
| Property Address | 856 SHADOW RIDGE RD, FRANKLIN LAKES, NJ 07417-1516 |
| Document Number | 0035200189 |
| Book / Page | 003520 / 000189 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 20022751 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2020 |
| Title Company | ATTORNEYS' TITLE SERVICES LLC, ATTORNEY TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $634.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 856 SHADOW RIDGE RD FRANKLIN LAKES NJ 074171516, FRANKLIN LAKES, NJ 07417-1516 |
| Document Number | 35200196 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 003520/000196 |
| Instrument | 20022752 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2050 |
The 2025 property tax bill for 856 Shadow Ridge Rd was $19,487, 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 | $1,023,500 (-) Land $400,000 Building $623,500 | $1,023,500 (-) Land $400,000 Building $623,500 | |
| 2025 | $19,487.00 (+6.01%) | $1,023,500 Land $400,000 Building $623,500 | $1,023,500 Land $400,000 Building $623,500 |
| 2024 | $18,382.00 | ||
| 2023 | $634,000 Land $400,000 Building $234,000 | $634,000 Land $400,000 Building $234,000 | |
| 2022 | $10,689.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 856 Shadow Ridge Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1980.
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 | 3 in force |
| Nearby Flood Claims | 9 (1980–2021) |
| Claims Outside the SFHA | 6 of 9 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| 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 856 Shadow Ridge Rd is low, with a 0.02% annual chance of 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 | 0.02% 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 64 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 |
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