863 Seneca Rd, Franklin Lakes, NJ 07417 Property Records

Bergen County and Franklin Lakes Borough property record for 863 Seneca Rd, Franklin Lakes, NJ 07417

Property Summary

Property Type	Single Family Home
Details	5,021 sqft · built 2024
Lot Size	0.92 acres (40,075 sqft)
Owner	Company Name on Record
Last Sale	$900,000 (Jul 2021)
Tax Bill	$41,446 (2025)
Deeds & Mortgages	Jun 2022 Construction Loan Jul 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20-02101-15-00012`

Property Details

APN / Parcel Number

Primary APN	`20-02101-15-00012`
Alternative APNs	`2002101001500012` `19140`

Interior

Stories	1 Story
Building Area	5,021 sqft Living Area
1st Floor Area	5,021 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Frame
Lot Area	40,075 sqft (0.92 acres)

Location & Zoning

Account Number	19140
Street Address	863 SENECA RD
City	FRANKLIN LAKES
State	NJ
Zip	07417-2824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A40
Legal Description	.92 AC
Legal Subdivision	URBAN FARMS SEC 3A
Legal Block	2101
Legal Lot Number	12
Jurisdiction	BERGEN NJ
Township / Civil Division	FRANKLIN LAKES
Census Block Group	2
Census Block	2011
Census Tract	20200

Owner

Source: Bergen County and Franklin Lakes Borough records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	863 SENECA RD, FRANKLIN LAKES, NJ 07417-2824
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Jul 13, 2021	Deed, Construction Loan · Construction Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	2021112191
Deed Book / Page	4267 / 1707
Last Transfer Date	Feb 23, 2023
Transfer Doc	0000015829
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	863 SENECA RD, FRANKLIN LAKES, NJ 07417-2824
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047200156
Date	Jun 23, 2022
Book Page	4720/156
Instrument	2022063420

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.12%
Index	Other
Margin	3
Max Rate	8.12%

July 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 13, 2021
Property Address	863 SENECA RD, FRANKLIN LAKES, NJ 07417-2824
Document Number	0042671707
Book / Page	4267 / 1707
Instrument Date	May 14, 2021
Instrument	2021112191
Transaction Type	Construction Loan
Record Updated	Oct 30, 2025
Title Company	CENTURION TITLE GROUP INC, CENTURION TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$8,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 TICHENOR PL # 1, 1, MONTCLAIR, NJ 07042-2428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	863 SENECA RD, FRANKLIN LAKES, NJ 07417-2824

Mortgage

Document Number	2021112192
Date	Jul 13, 2021
Instrument	2021112192

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

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		$2,150,100 (-1.23%) Land $507,300 Building $1,642,800	$2,150,100 (-1.23%) Land $507,300 Building $1,642,800
2025	$41,446.00 (+332.13%)	$2,176,800 (+307.64%) Land $534,000 Building $1,642,800	$2,176,800 (+307.64%) Land $534,000 Building $1,642,800
2024	$9,591.00 (+6.53%)
2023		$534,000 Land $534,000	$534,000 Land $534,000
2022	$9,003.00

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	4 (2007–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2022 · rainfall accumulation

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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: AT&T.

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