Bergen County and Edgewater Borough property record for 45 Myrtle Ave, Edgewater, NJ 07020
| Property Type | Single Family Home |
|---|---|
| Details | 2,051 sqft · built 2016 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,150,000 (Oct 2020) |
| Tax Bill | $20,265 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00026-0000-00038-0000-C000A |
| Primary APN | 13-00026-0000-00038-0000-C000A |
|---|
| Units | 2 Units |
|---|---|
| Building Area | 2,051 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Condo/Apartment |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Street Address | 45 MYRTLE AVE, A |
|---|---|
| City | EDGEWATER |
| State | NJ |
| Zip | 07020-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 25X100 0.11478 |
| Legal Subdivision | 45 MYRTLE AVE CONDO |
| Legal Block | 26 |
| Legal Lot Number | 38 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EDGEWATER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 13002 |
45 Myrtle Ave is owned and occupied by two individuals who bought it in October 2020.
Source: Bergen County and Edgewater Borough records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 MYRTLE AVE, A, EDGEWATER, NJ 07020-1404 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2020 | Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Aug 19, 2020 | Deed of Trust, Mortgage HSBC BK USA NA |
| Jun 9, 2017 | Grant Deed, Transfer CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2020 · Amount on File |
| Deed Sale | Oct 6, 2020 · Amount on File |
| Prior Sale | Jun 9, 2017 · Amount on File |
| Deed Document Number | 202098530 |
| Deed Book / Page | 3749 / 1591 |
| Prior Transfer Date | May 31, 2017 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Oct 6, 2020 |
| Property Address | 45 MYRTLE AVE # A, A, EDGEWATER, NJ 07020-1404 |
| Document Number | 0037491591 |
| Book / Page | 3749 / 1591 |
| Map Reference | MB V2595 PG 1840 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 20-098530 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2021 |
| Title Company | ZWIREN TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 HUDSON AVE, 18, EDGEWATER, NJ 07020-1305 |
| Name | Verified Name |
|---|---|
| Address | 45 MYRTLE AVE # A, A, EDGEWATER, NJ 07020-1404 |
| Document Number | 20098531 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | 20-098531 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.72% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.72% |
| Index | 1-Year LIBOR |
| Max Rate | 7.72% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 45 MYRTLE AVE # A, A, EDGEWATER, NJ 07020-1404 |
| Document Number | 0037491597 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 MYRTLE AVE #A EDGEWATER NJ 070201404, A, EDGEWATER, NJ 07020-1404 |
| Document Number | 0037491597 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 003749/001597 |
| Instrument | 98531 |
| Name | HSBC BK USA NA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.72% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 9, 2017 |
| Property Address | 45 MYRTLE AVE # A, A, EDGEWATER, NJ 07020-1404 |
| Document Number | 0026341377 |
| Book / Page | 002634 / 001377 |
| Instrument Date | May 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 MYRTLE AVE #B EDGEWATER NJ 070201404, B, EDGEWATER, NJ 07020-1404 |
| Document Number | 26341386 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 002634/001386 |
| Name | CITIBANK |
|---|---|
| Type | Federal Savings Bank |
| Address | 1000 TECHNOLOGY DR, O FALLON, MO 63368-2239 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 45 Myrtle Ave was $20,265, up 13.9% from the year before.
Source: Bergen County and Edgewater Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Edgewater Borough |
| Unified School District | Edgewater Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,320,500 (+7.19%) Land $315,000 Building $1,005,500 | $1,320,500 (+7.19%) Land $315,000 Building $1,005,500 | |
| 2025 | $20,265.00 (+13.88%) | $1,231,900 Land $297,500 Building $934,400 | $1,231,900 Land $297,500 Building $934,400 |
| 2024 | $17,795.00 | ||
| 2023 | $1,087,400 Land $275,000 Building $812,400 | $1,087,400 Land $275,000 Building $812,400 | |
| 2022 | $17,079.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Myrtle Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 1 in force |
| Nearby Flood Claims | 2 (1981–1989) |
| Most Recent Claim | May 1989 · rainfall accumulation |
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.
The area around 45 Myrtle Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 310 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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