Bergen County and Edgewater Borough property record for 1538 River Rd, Edgewater, NJ 07020
| Property Type | Single Family Home |
|---|---|
| Details | 2,328 sqft · built 2013 |
| Lot Size | 0.02 acres (864 sqft) |
| Owner | Individual Name on File |
| Last Sale | $930,000 (Sep 2022) |
| Tax Bill | $15,632 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00003-0000-00011-0000-C0002 |
| Primary APN | 13-00003-0000-00011-0000-C0002 |
|---|
| Building Area | 2,328 sqft Living Area |
|---|
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Condo/Apartment |
| Lot Area | 864 sqft (0.02 acres) |
| Street Address | 1538 RIVER RD, 2 |
|---|---|
| City | EDGEWATER |
| State | NJ |
| Zip | 07020-1806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CROSS RIVER TWNHMS |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EDGEWATER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13002 |
1538 River Rd is owned and occupied by an individual who bought it in September 2022.
Source: Bergen County and Edgewater Borough records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1538 RIVER RD, 2, EDGEWATER, NJ 07020-1806 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK |
| Jan 10, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2022 · Amount on File |
| Deed Sale | Sep 28, 2022 · Amount on File |
| Prior Sale | Oct 22, 2014 · Amount on File |
| Deed Document Number | 202294743 |
| Deed Book / Page | 4819 / 1290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Sep 28, 2022 |
| Property Address | 1538 RIVER RD APT 2, 2, EDGEWATER, NJ 07020-1806 |
| Document Number | 0048191290 |
| Book / Page | 4819 / 1290 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 2022094743 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | BIG APPLE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,763.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 RUSSELL AVE, 449, EDGEWATER, NJ 07020-3134 |
| Name | Verified Name |
|---|---|
| Address | 1538 RIVER RD APT 2, 2, EDGEWATER, NJ 07020-1806 |
| Document Number | 2022094744 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 2022094744 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 1538 RIVER RD APT 2, 2, EDGEWATER, NJ 07020-1806 |
| Document Number | 0028451605 |
| Instrument Date | Jan 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1538 RIVER RD #2 EDGEWATER NJ 070201806, 2, EDGEWATER, NJ 07020-1806 |
| Document Number | 0028451605 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 002845/001605 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 22, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1538 River Rd was $15,632, up 9% from the year before.
Source: Bergen County and Edgewater Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Edgewater Borough |
| Unified School District | Edgewater Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,000,500 (+5.28%) Land $375,000 Building $625,500 | $1,000,500 (+5.28%) Land $375,000 Building $625,500 | |
| 2025 | $15,632.00 (+8.97%) | $950,300 Land $360,000 Building $590,300 | $950,300 Land $360,000 Building $590,300 |
| 2024 | $14,345.00 | ||
| 2023 | $875,100 Land $310,000 Building $565,100 | $875,100 Land $310,000 Building $565,100 | |
| 2022 | $13,340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1538 River Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.
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 | 1 in force |
| Nearby Flood Claims | 2 (1981–1989) |
| Most Recent Claim | May 1989 · 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 risk around 1538 River Rd is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 574 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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