425 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 425 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	1,911 sqft · built 1930
Lot Size	0.036 acres (1,551 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Oct 2017)
Tax Bill	$9,900 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-00054-0000-00022-01`

Property Details

APN / Parcel Number

Primary APN	`13-00054-0000-00022-01`
Alternative APNs	`13000540000000220001` `1300054000000022`

Interior

Stories	2 Stories
Building Area	1,911 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Frame
Lot Area	1,551 sqft (0.036 acres)
Lot Dimensions	62 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	1300054000000022
Street Address	425 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X62
Legal Block	54
Legal Lot Number	22.01
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	2
Census Block	2006
Census Tract	13002

Owner

Source: Bergen County and Edgewater Borough records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	565 OSTRANDER RD, RICHFIELD SPRINGS, NY 13439-3130
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · SBA Mortgage FOUNTAINHEAD SBF LLC
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Jan 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Aug 21, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Oct 12, 2017	Deed, Transfer · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2017 · Amount on Record
Deed Sale	Oct 12, 2017 · Amount on Record
Prior Sale	Oct 31, 2016 · Amount on Record
Deed Document Number	201776546
Deed Book / Page	2749 / 2168
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278

Mortgage

Document Number	0047820693
Date	Aug 23, 2022
Book Page	4782/693
Instrument	2022083463

Lender

Name	FOUNTAINHEAD SBF LLC
Type	Non-Lending Institution
Address	LAKE MARY, FL 32746

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040841663
Date	Apr 16, 2021
Book Page	4084/1663
Instrument	2021058512

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031510539
Date	Jan 9, 2019
Book Page	3151/539
Instrument	19-002328

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036751387
Date	Aug 21, 2020
Book Page	3675/1387
Instrument	20-076002

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 12, 2017
Property Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278
Document Number	0027492168
Book / Page	02749 / 2168
Instrument Date	Sep 20, 2017
Instrument	17-076546
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	ACRES LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,079.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 UNDERCLIFF AVE, 425, EDGEWATER, NJ 07020-1278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1278

Mortgage

Document Number	0027492173
Date	Oct 12, 2017
Book Page	02749/2173
Instrument	17-076546.01

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

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		$631,900 (+5%) Land $323,100 Building $308,800	$631,900 (+5%) Land $323,100 Building $308,800
2025	$9,900.00 (+6.95%)	$601,800 (+7.45%) Land $305,700 Building $296,100	$601,800 (+7.45%) Land $305,700 Building $296,100
2024	$9,257.00 (+7.04%)
2023		$560,100 Land $279,800 Building $280,300	$560,100 Land $279,800 Building $280,300
2022	$8,648.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (2012–2021)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 2 claims Hurricane Sandy, Oct 2012 · 3 claims

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	Not rated no burnable land within 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.

Nearby Properties on Undercliff Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures