402 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 402 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	2,678 sqft · built 2016
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$1,290,000 (Feb 2018)
Tax Bill	$21,831 (2025)
Deeds & Mortgages	Oct 2025 Transfer Aug 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13-00055-0000-00012-0000-C0402`

Property Details

APN / Parcel Number

Primary APN	`13-00055-0000-00012-0000-C0402`

Interior

Stories	2 Stories
Building Area	2,678 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	6,251 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Location & Zoning

Street Address	402 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	50X125 0.1435
Legal Subdivision	PROPERTY/EDGEWATER
Legal Block	55
Legal Lot Number	12
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	3
Census Block	3000
Census Tract	13002

Owner

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	2 Individual Names on File
Mailing Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 22, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW JERSEY LENDERS CORP
Oct 18, 2019	Deed of Trust, Mortgage NJ LENDERS
Feb 27, 2018	Grant Deed, Transfer OTHER
Oct 19, 2017	Trustee's Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2018 · Amount on File
Deed Sale	Feb 27, 2018 · Amount on File
Prior Sale	Sep 14, 2015 · Amount on File
Deed Document Number	20181476101
Deed Book / Page	2874 / 1611
Last Transfer Date	Apr 11, 2022
Transfer Doc	0046600062
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Oct 29, 2025
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Document Number	0056321997
Book / Page	5632 / 1997
Instrument Date	Oct 13, 2025
Instrument	2025073578
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215

Mortgage

Document Number	0050510489
Date	Aug 2, 2023
Book Page	5051/489
Instrument	2023050663

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jul 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BERGEN NJ
Recording Date	Apr 22, 2022
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Document Number	0046600062
Book / Page	4660 / 62
Instrument Date	Apr 11, 2022
Instrument	2022044469
Transaction Type	Transfer
Record Updated	Jun 14, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 UNDERCLIFF AVE, 402, EDGEWATER, NJ 07020-1215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038000591
Date	Nov 2, 2020
Book Page	3800/591
Instrument	20-113469

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company
Address	LITTLE FALLS, NJ 07424

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Document Number	0034301234
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 UNDERCLIFF AVE EDGEWATER NJ 070201215, EDGEWATER, NJ 07020-1215

Mortgage

Document Number	0034301234
Date	Dec 6, 2019
Book Page	003430/001234
Instrument	84860

Lender

Name	NJ LENDERS
Address	LITTLE FALLS, NJ 07424

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 27, 2018
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Document Number	0028741611
Book / Page	002874 / 001611
Instrument Date	Feb 15, 2018
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$1,290.00
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	402 UNDERCLIFF AVE EDGEWATER NJ 070201215, EDGEWATER, NJ 07020-1215

October 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 19, 2017
Property Address	402 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Document Number	0027580666
Book / Page	002758 / 000666
Instrument Date	Sep 29, 2017
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	55 W 47TH ST #85 NEW YORK NY 100362852, 85, NEW YORK, NY 10036-2852

Tax Assessment & Valuation

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		$1,416,100 (+6.71%) Land $361,300 Building $1,054,800	$1,416,100 (+6.71%) Land $361,300 Building $1,054,800
2025	$21,831.00 (+6.48%)	$1,327,100 (+6.08%) Land $343,100 Building $984,000	$1,327,100 (+6.08%) Land $343,100 Building $984,000
2024	$20,503.00 (+5.16%)
2023		$1,251,000 Land $313,800 Building $937,200	$1,251,000 Land $313,800 Building $937,200
2022	$19,497.00

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

Flood

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

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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