Bergen County and Franklin Lakes Borough property record for 992 Scioto Dr, Franklin Lakes, NJ 07417
| Property Type | Single Family Home |
|---|---|
| Details | 3,490 sqft · built 1976 |
| Lot Size | 2.71 acres (118,483 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $630,000 (Dec 2019) |
| Tax Bill | $17,136 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage May 2026 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-02101-10-00026 |
| Primary APN | 20-02101-10-00026 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,490 sqft Living Area |
| 1st Floor Area | 3,490 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Frame |
| Lot Area | 118,483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 19860 |
|---|---|
| Street Address | 992 SCIOTO DR |
| City | FRANKLIN LAKES |
| State | NJ |
| Zip | 07417-2830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.72 AC |
| Legal Subdivision | LAND USE RESIDENTIAL AAA |
| Legal Block | 2101 |
| Legal Lot Number | 26 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | FRANKLIN LAKES |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 20200 |
Source: Bergen County and Franklin Lakes Borough records, as of October 15, 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 | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION |
| May 21, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Jul 22, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 10, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 23, 2019 | Deed, Transfer · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Jan 22, 2018 | Deed in Lieu of Foreclosure, Foreclosure STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on Record |
| Deed Sale | Dec 23, 2019 · Amount on Record |
| Prior Sale | Jan 22, 2018 · Amount on Record |
| Deed Document Number | 201989649 |
| Deed Book / Page | 3446 / 1603 |
| Prior Transfer Date | Nov 8, 2017 |
| Prior Transfer Doc | 0028430099 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 16, 2026 |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Document Number | 0000064419 |
| Book / Page | 5900 / 1582 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202664419 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Document Number | 0000064419, |
|---|---|
| Date | Sep 16, 2026 |
| Book Page | 5900/1582 |
| Instrument | 202664419 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | May 21, 2026 |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Document Number | 0000033900 |
| Book / Page | 5802 / 193 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202633900 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000033900, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 5802/193 |
| Instrument | 202633900 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 26, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 992 SCIOT0 DRIVE, FRANKLIN LAKES, NJ 07417 |
| Document Number | 0047481306 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 4748/1306 |
| Instrument | 2022072663 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 29, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0038620921 |
|---|---|
| Date | Dec 10, 2020 |
| Book Page | 3862/921 |
| Instrument | 20-132012 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Mar 10, 2020 |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Document Number | 0035400029 |
| Book / Page | 003540 / 000029 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 20028944 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 992 SCIOTO DR FRANKLIN LAKES NJ 074172830, FRANKLIN LAKES, NJ 07417-2830 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Dec 23, 2019 |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Document Number | 0034461603 |
| Book / Page | 3446 / 1603 |
| Instrument Date | Nov 5, 2019 |
| Instrument | 19-089649 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 BROOKSIDE AVE, DEMAREST, NJ 07627-2027 |
| Document Number | 0034461608 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 3446/1608 |
| Instrument | 2019-089649.01 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 22, 2018 |
| Property Address | 992 SCIOTO DR, FRANKLIN LAKES, NJ 07417-2830 |
| Document Number | 0028430099 |
| Book / Page | 002843 / 000099 |
| Instrument Date | Nov 8, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 2, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $894.46 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 1 HOME CAMPUS MAC F2303-03R DES MOINES IA 50328, DES MOINES, IA 50328 |
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 | $900,000 (-) Land $772,000 Building $128,000 | $900,000 (-) Land $772,000 Building $128,000 | |
| 2025 | $17,136.00 (+6.01%) | $900,000 (-) Land $772,000 Building $128,000 | $900,000 (-) Land $772,000 Building $128,000 |
| 2024 | $16,164.00 (+6.52%) | ||
| 2023 | $900,000 Land $772,000 Building $128,000 | $900,000 Land $772,000 Building $128,000 | |
| 2022 | $15,174.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 51% 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 52 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 |
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