398 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 398 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	2,971 sqft · built 2015
Lot Size	0.072 acres (3,123 sqft)
Owner	2 Individual Names on File
Last Sale	$1,399,500 (Apr 2020)
Tax Bill	$23,464 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-00055-0000-00016-0000-C0398`

Property Details

APN / Parcel Number

Primary APN	`13-00055-0000-00016-0000-C0398`
Alternative APN	`1300055000000016`

Interior

Stories	2 Stories
Building Area	2,971 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Condo/Apartment
Lot Area	3,123 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	1300055000000016
Street Address	398 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

Owner

398 Undercliff Ave is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	398 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.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Apr 28, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2020 · Amount on File
Deed Sale	Apr 28, 2020 · Amount on File
Deed Document Number	202043497
Deed Book / Page	3582 / 1449
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	398 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CATIC TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035881505
Date	May 4, 2020
Book Page	3588/1505
Instrument	20-045538

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2035
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 28, 2020
Property Address	398 UNDERCLIFF AVE, EDGEWATER, NJ 07020-7251
Document Number	0035821449
Book / Page	003582 / 001449
Instrument Date	Mar 14, 2020
Instrument	20043497
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	398 UNDERCLIFF AVE EDGEWATER NJ 070207251, EDGEWATER, NJ 07020-7251

Tax Assessment & Valuation

The 2025 property tax bill for 398 Undercliff Ave was $23,464, up 3.6% 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		$1,519,500 (+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 (+3.6%)	$1,426,400 Land $343,100 Building $1,083,300	$1,426,400 Land $343,100 Building $1,083,300
2024	$22,648.00
2023		$1,383,600 Land $313,800 Building $1,069,800	$1,383,600 Land $313,800 Building $1,069,800
2022	$21,670.00

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

Flood

FEMA maps place 398 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

Wildfire risk around 398 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.

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 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.

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