129 Undercliff Ct, Ridgewood, NJ 07450 Property Records

Bergen County and Ridgewood Village property record for 129 Undercliff Ct, Ridgewood, NJ 07450

Property Summary

Property Type	Single Family Home
Details	1,968 sqft · built 1928
Lot Size	0.153 acres (6,665 sqft)
Owner	2 Individual Names on File
Last Sale	$599,800 (Aug 2005)
Tax Bill	$13,964 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-01509-0000-00023`

Property Details

APN / Parcel Number

Primary APN	`51-01509-0000-00023`
Alternative APN	`510150900023`

Interior

Stories	2 Stories
Building Area	1,968 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	133 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	129 UNDERCLIFF CT
City	RIDGEWOOD
State	NJ
Zip	07450-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	.153 AC (1509,25)
Legal Subdivision	RIDGEWOOD
Legal Block	1509
Legal Lot Number	23
Jurisdiction	BERGEN NJ
Township / Civil Division	RIDGEWOOD
Census Block Group	4
Census Block	4007
Census Tract	47100

Owner

129 Undercliff Ct is owned and occupied by two individuals who acquired it in July 2016.

Source: Bergen County and Ridgewood Village records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	129 UNDERCLIFF CT, RIDGEWOOD, NJ 07450-1623
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2005 · Amount on File
Deed Sale	Aug 12, 2005 · Amount on File
Deed Book / Page	8866 / 136
Last Transfer Date	Jul 13, 2016
Transfer Doc	0023302421
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	129 UNDERCLIFF CT, RIDGEWOOD, NJ 07450-1623
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047020702
Date	Jun 7, 2022
Book Page	4702/702
Instrument	2022057645

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	129 UNDERCLIFF CT, RIDGEWOOD, NJ 07450-1623
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045941679
Date	Feb 23, 2022
Book Page	4594/1679
Instrument	2022023862

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Nov 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	129 UNDERCLIFF CT, RIDGEWOOD, NJ 07450-1623
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036721971
Date	Aug 19, 2020
Book Page	3672/1971
Instrument	20-075175

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 129 Undercliff Ct was $13,964, up 0.7% from the year before.

Source: Bergen County and Ridgewood Village assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$483,200 (-) Land $233,800 Building $249,400	$483,200 (-) Land $233,800 Building $249,400
2025	$13,964.00 (+0.73%)	$483,200 Land $233,800 Building $249,400	$483,200 Land $233,800 Building $249,400
2024	$13,863.00
2023		$483,200 Land $233,800 Building $249,400	$483,200 Land $233,800 Building $249,400
2022	$13,205.00

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

Flood

FEMA maps place 129 Undercliff Ct 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
Flood Insurance Cost	Premium on File median of 40 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	82 (1984–2021)
Claims Outside the SFHA	15 of 82
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 5 claims Hurricane Irene, Aug 2011 · 37 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 29 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

Wildfire risk around 129 Undercliff Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 81% of New Jersey
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	RIDGEWOOD WATER serves 61,700 people · EPA ID NJ0251001
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2019
Monitoring and Reporting	7 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 362 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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