448 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 448 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	3,269 sqft · built 2020
Lot Size	0.085 acres (3,690 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,400,000 (Mar 2025)
Tax Bill	$28,993 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00049-0000-00009-0000-C0448`

Property Details

APN / Parcel Number

Primary APN	`13-00049-0000-00009-0000-C0448`

Interior

Units	2 Units
Stories	2 Stories
Building Area	3,269 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Lot Area	3,690 sqft (0.085 acres)
Lot Dimensions	123 ft deep x 30 ft wide

Location & Zoning

Street Address	448 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	30X123 0.2066
Legal Block	49
Legal Lot Number	9
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	448 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage YELLOW FUNDING CORP
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit UNITY BANK
Mar 24, 2021	Bargain and Sale Deed, Transfer NOT AVAILABLE, KEY SETTLEMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2025 · Amount on Record
Deed Sale	Mar 12, 2025 · Amount on Record
Prior Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	202517626
Deed Book / Page	5450 / 229
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	448 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215

Mortgage

Document Number	0042181968
Date	Jun 17, 2021
Book Page	4218/1968
Instrument	2021097375

Lender

Name	YELLOW FUNDING CORP
Type	Non-Lending Institution
Address	NEW YORK, NY 10019

Agreement

Amount	Amount Recorded
Term	80 Months
Due	Feb 1, 2028

Interest

Rate	4%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	448 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041820727
Date	Jun 2, 2021
Book Page	4182/727
Instrument	2021087682

Lender

Name	UNITY BANK
Type	Bank
Address	CLINTON, NJ 08809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Apr 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 24, 2021
Property Address	448 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215
Document Number	0040321758
Book / Page	4032 / 1758
Instrument Date	Jan 29, 2021
Instrument	2021042246
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	NOT AVAILABLE, KEY SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Tax	$30,846.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	153 FORT LEE RD, TEANECK, NJ 07666-3984

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	448 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1215

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		$2,100,200 (+19.16%) Land $380,500 Building $1,719,700	$2,100,200 (+19.16%) Land $380,500 Building $1,719,700
2025	$28,993.00 (+14.44%)	$1,762,500 (+14%) Land $361,800 Building $1,400,700	$1,762,500 (+14%) Land $361,800 Building $1,400,700
2024	$25,335.00 (+5.09%)
2023		$1,546,000 Land $330,700 Building $1,215,300	$1,546,000 Land $330,700 Building $1,215,300
2022	$24,107.00

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 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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