1170 River Rd, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 1170 River Rd, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	3,461 sqft · built 2021
Lot Size	0.178 acres (7,749 sqft)
Owner	Individual Name on File
Last Sale	$1,900,000 (Jul 2023)
Tax Bill	$28,875 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-00029-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`13-00029-0000-00006`
Alternative APN	`130002900006`

Interior

Stories	2 Stories
Building Area	3,461 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Lot Area	7,749 sqft (0.178 acres)
Lot Dimensions	155 ft deep x 50 ft wide

Location & Zoning

Street Address	1170 RIVER RD
City	EDGEWATER
State	NJ
Zip	07020-1349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X155
Legal Subdivision	EDGEWATER REALTY CO & WO ROSS
Legal Block	29
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	2
Census Block	2000
Census Tract	13002

Owner

1170 River Rd is owned and occupied by an individual who bought it in July 2023.

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

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

Owner of Record	Individual Name on File
Mailing Address	1170 RIVER RD, EDGEWATER, NJ 07020-1349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage BBCN BANK
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Jul 10, 2020	Deed of Trust, Mortgage · Construction Mortgage UNITY BANK
Oct 15, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FREEDOM BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Oct 3, 2016 · Amount on File
Deed Document Number	202347042
Deed Book / Page	5039 / 1830
Prior Transfer Date	Sep 19, 2017
Prior Transfer Doc	0017079006
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	1170 RIVER RD, EDGEWATER, NJ 07020-1349
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 HUDSON CV, EDGEWATER, NJ 07020-1479

Mortgage

Document Number	0050391837
Date	Jul 19, 2023
Book Page	5039/1837
Instrument	2023047043

Lender

Name	BBCN BANK
Type	Bank
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	11.7%
Index	SOFR Average 30-Day
Margin	4
Max Rate	11.7%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	1170 RIVER RD, EDGEWATER, NJ 07020-1349
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045950630
Date	Feb 24, 2022
Book Page	4595/630
Instrument	2022023992

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	1170 RIVER RD, EDGEWATER, NJ 07020-1349
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036391718
Date	Jul 10, 2020
Book Page	3639/1718
Instrument	20-064540

Lender

Name	UNITY BANK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	23 Months
Due	Jun 16, 2022

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 15, 2019
Property Address	1170 RIVER RD, EDGEWATER, NJ 07020-1349
Document Number	0033751663
Book / Page	003375 / 001663
Instrument Date	Oct 10, 2019
Instrument	68574
Transaction Type	Construction Loan
Record Updated	Oct 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 OLD RIVER RD EDGEWATER NJ 070201692, EDGEWATER, NJ 07020-1692

Mortgage

Document Number	33751663
Date	Oct 15, 2019
Book Page	003375/001663
Instrument	68574

Lender

Name	FREEDOM BK
Type	Bank
Address	MAYWOOD, NJ 07607

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1170 River Rd was $28,875, up 6.1% from the year before.

Source: Bergen County and Edgewater Borough assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Bergen County
Municipality	Edgewater Borough
Unified School District	Edgewater Borough School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,841,100 (+4.89%) Land $460,000 Building $1,381,100	$1,841,100 (+4.89%) Land $460,000 Building $1,381,100
2025	$28,875.00 (+6.08%)	$1,755,300 Land $437,600 Building $1,317,700	$1,755,300 Land $437,600 Building $1,317,700
2024	$27,220.00
2023		$1,616,900 (+2.12%) Land $398,000 Building $1,218,900	$1,616,900 (+2.12%) Land $398,000 Building $1,218,900
2022	$25,524.00 (+282.04%)	$1,583,400 Land $393,000 Building $1,190,400	$1,583,400 Land $393,000 Building $1,190,400
2021	$6,681.00

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

Flood

FEMA maps place 1170 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (2012–2021)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Sandy, Oct 2012 · 3 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

The area around 1170 River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VEOLIA WATER NEW JERSEY HACKENSACK private · serves 792,713 people · EPA ID NJ0238001
Water Source	Surface water
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Jan 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 600 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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