461 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 461 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	1,630 sqft · built 1992
Lot Size	2.81 acres (122,839 sqft)
Owner	Company Name on File
Last Sale	$685,000 (Apr 2009)
Tax Bill	$12,599 (2025)
Deeds & Mortgages	Mar 2020 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00045-0000-00004-0000-C0461`

Property Details

APN / Parcel Number

Primary APN	`13-00045-0000-00004-0000-C0461`
Alternative APN	`1300045000000004C0461`

Interior

Building Area	1,630 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Townhouse
Lot Area	122,839 sqft

Location & Zoning

Street Address	461 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.82 AC
Legal Subdivision	PANORAMA EAST
Legal Block	45
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	2
Census Block	2003
Census Tract	13002

Owner

Source: Bergen County and Edgewater Borough assessment roll, 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	Company Name on File
Mailing Address	461 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2009 · Amount on Record
Deed Sale	Apr 27, 2009 · Amount on Record
Prior Sale	Jan 13, 2005 · Amount on Record
Deed Document Number	2009912244
Deed Book / Page	91 / 2244
Last Transfer Date	Nov 19, 2024
Transfer Doc	0000015843
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	461 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253
Document Number	0035581147
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	461 UNDERCLIFF AVE EDGEWATER NJ 070201253, EDGEWATER, NJ 07020-1253

Mortgage

Document Number	0035581147
Date	Apr 1, 2020
Book Page	003558/001147
Instrument	20035157

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	461 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253
Document Number	0029591028
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	461 UNDERCLIFF AVE EDGEWATER NJ 070201253, EDGEWATER, NJ 07020-1253

Mortgage

Document Number	0029591028
Date	Jun 6, 2018
Book Page	002959/001028
Instrument	39650

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2048

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		$851,900 (+11.23%) Land $410,000 Building $441,900	$851,900 (+11.23%) Land $410,000 Building $441,900
2025	$12,599.00 (+5.51%)	$765,900 (+4.26%) Land $340,000 Building $425,900	$765,900 (+4.26%) Land $340,000 Building $425,900
2024	$11,941.00 (+2.8%)
2023		$734,600 Land $327,500 Building $407,100	$734,600 Land $327,500 Building $407,100
2022	$11,616.00

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

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 USA Fixed Wireless	100 / 20

May also be available: Starry.

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