407 Smith Ct, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 407 Smith Ct, Edgewater, NJ 07020 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,590 sqft · built 2000
Lot Size	0.016 acres (692 sqft)
Owner	Company Name on File
Last Sale	$640,000 (Sep 2022)
Tax Bill	$10,903 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-00085-01-00002-0000-CR407`

Property Details

APN / Parcel Number

Primary APN	`13-00085-01-00002-0000-CR407`
Alternative APN	`1300085000100002 CR407`

Interior

Building Area	1,590 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Lot Area	692 sqft (0.016 acres)

Location & Zoning

Street Address	407 SMITH CT
City	EDGEWATER
State	NJ
Zip	07020-1666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PKG 1116
Legal Subdivision	INDEPENDENCE HARBOR I
Legal Block	85.1
Legal Lot Number	2
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	1
Census Block	1003
Census Tract	13003

Owner

Source: Bergen County and Edgewater Borough records · APN 13-00085-01-00002-0000-CR407

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage PNC BANK NA
Mar 09, 2017	Grant Deed, Transfer · Conventional Mortgage EVERBANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Mar 09, 2017 · Amount on Record
Deed Document Number	202292912
Deed Book / Page	4813 / 1318
Prior Transfer Date	Oct 13, 2016
Prior Transfer Doc	0024810988
Record Updated	Sep 20, 2026

September 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 20, 2022
Property Address	407 SMITH CT, EDGEWATER, NJ 07020-1666
Document Number	0048131318
Book / Page	4813 / 1318
Instrument Date	Aug 30, 2022
Instrument	2022092912
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	GUARDIAN TITLE SERVICES, GUARDIAN TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,609.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1067 HARVARD PL, 1067, FORT LEE, NJ 07024-1628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SMITH CT, EDGEWATER, NJ 07020-1666

Mortgage

Document Number	2022092913
Date	Sep 20, 2022
Instrument	2022092913

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Sep 01, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 09, 2017
Property Address	407 SMITH CT, EDGEWATER, NJ 07020-1666
Document Number	0025580817
Book / Page	002558 / 000817
Instrument Date	Feb 28, 2017
Transaction Type	Transfer
Record Updated	May 01, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
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	407 SMITH CT EDGEWATER NJ 070201666, EDGEWATER, NJ 07020-1666

Mortgage

Document Number	25580822
Date	Mar 09, 2017
Book Page	002558/000822

Lender

Name	EVERBANK
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 08, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Bergen County and Edgewater Borough records · Assessment roll updated June 29, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$687,100 (+3.67%) Land $285,000 Building $402,100	$687,100 (+3.67%) Land $285,000 Building $402,100
2025	$10,903.00 (+6.04%)	$662,800 (+4.99%) Land $275,000 Building $387,800	$662,800 (+4.99%) Land $275,000 Building $387,800
2024	$10,282.00 (+2.75%)
2023		$631,300 Land $260,000 Building $371,300	$631,300 Land $260,000 Building $371,300
2022	$10,007.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030130031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 82 individual NFIP policies nearby
Nearby Flood Policies	1,164 units insured 1,082 under condo master policies
Nearby Flood Claims	9 (2010–2024)
Most Recent Claim	Jan 2024, river or lake flooding
Claims By Storm	Hurricane Sandy, Oct 2012 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually Listed	Ford Motor Company Edgewater Assembly Plant listed 1983 · 6 contributing resources · NRIS 83001507

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 129 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Spectrum	Cable	1,000 / 1,000
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Starry, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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