Bergen County and Edgewater Borough property record for 396 Undercliff Ave, Edgewater, NJ 07020
| Property Type | Single Family Home |
|---|---|
| Details | 2,971 sqft · built 2015 |
| Lot Size | 0.072 acres (3,123 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,275,000 (Feb 2016) |
| Tax Bill | $23,464 (2025) |
| Deeds & Mortgages | Jun 2022 Transfer Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00055-0000-00016-0000-C0396 |
| Primary APN | 13-00055-0000-00016-0000-C0396 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,971 sqft Living Area |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 3,123 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Street Address | 396 UNDERCLIFF AVE |
|---|---|
| City | EDGEWATER |
| State | NJ |
| Zip | 07020-7251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 25X125 |
| Legal Subdivision | 396 UNDERCLIFF AVE CONDO |
| Legal Block | 55 |
| Legal Lot Number | 16 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EDGEWATER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 13002 |
396 Undercliff Ave is owned and occupied by an individual who acquired it in May 2022.
Source: Bergen County and Edgewater Borough records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 396 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251 |
| 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 |
|---|---|
| Jun 27, 2022 | Intrafamily Transfer, Transfer WESTCOR LAND TITLE INS CO |
| Jan 7, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2016 · Amount on File |
| Deed Sale | Feb 24, 2016 · Amount on File |
| Prior Sale | Jan 15, 2016 · Amount on File |
| Deed Document Number | 201615392 |
| Deed Book / Page | 2194 / 2093 |
| Last Transfer Date | May 31, 2022 |
| Transfer Doc | 0047220532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 27, 2022 |
| Property Address | 396 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251 |
| Document Number | 0047220532 |
| Book / Page | 4722 / 532 |
| Instrument Date | May 31, 2022 |
| Instrument | 2022064093 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 396 UNDERCLIFF AVE, 396, EDGEWATER, NJ 07020-7251 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 396 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jan 7, 2022 |
| Property Address | 396 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251 |
| Document Number | 0045250023 |
| Book / Page | 4525 / 23 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 2022002821 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251 |
| Document Number | 2022002822 |
|---|---|
| Date | Jan 7, 2022 |
| Instrument | 2022002822 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Dec 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.62% |
| Index | Other |
| Max Rate | 7.62% |
The 2025 property tax bill for 396 Undercliff Ave was $23,464, up 3.8% 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 | $1,519,500 (+6.53%) Land $361,300 Building $1,158,200 | $1,519,500 (+6.53%) Land $361,300 Building $1,158,200 | |
| 2025 | $23,464.00 (+3.81%) | $1,426,400 Land $343,100 Building $1,083,300 | $1,426,400 Land $343,100 Building $1,083,300 |
| 2024 | $22,602.00 | ||
| 2023 | $1,380,700 Land $313,800 Building $1,066,900 | $1,380,700 Land $313,800 Building $1,066,900 | |
| 2022 | $21,624.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 396 Undercliff Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.
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 | 6 units insured incl. 2 condo units |
| Nearby Flood Claims | 2 (2007–2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 396 Undercliff Ave 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 99.1% of the US · lower than 97.3% of New Jersey |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 371 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 |
May also be available: Starry.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures