465 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 465 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	$838,000 (Jul 2023)
Tax Bill	$12,913 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00045-0000-00004-0000-C0465`

Property Details

APN / Parcel Number

Primary APN	`13-00045-0000-00004-0000-C0465`
Alternative APN	`1300045000000004C0465`

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	465 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

465 Undercliff Ave is owned by a company that acquired it in November 2024.

Source: Bergen County and Edgewater Borough records, as of August 18, 2026

Owner of Record	Company Name on File
Mailing Address	465 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK
Jul 11, 2023	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	May 26, 2004 · Amount on File
Deed Document Number	202345037
Deed Book / Page	5033 / 1530
Last Transfer Date	Nov 19, 2024
Transfer Doc	0000015843
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Recording Date	Jun 26, 2026
Property Address	465 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253
Document Number	0000043346
Book / Page	5832 / 880
Instrument Date	Jun 10, 2026
Instrument	202643346
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	AMERICAN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253

Mortgage

Document Number	0000043346,
Date	Jun 26, 2026
Book Page	5832/880
Instrument	202643346

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 11, 2023
Property Address	465 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253
Document Number	0050331530
Book / Page	5033 / 1530
Instrument Date	Jun 27, 2023
Instrument	2023045037
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	SUNNYSIDE TITLE AGENCY, SUNNYSIDE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,707.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 CASTLE STUART CT, RIVER VALE, NJ 07675-6565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1253

Mortgage

Document Number	2023045038
Date	Jul 11, 2023
Instrument	2023045038

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 465 Undercliff Ave was $12,913, up 5.6% from the year before.

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		$872,500 (+11.15%) Land $410,000 Building $462,500	$872,500 (+11.15%) Land $410,000 Building $462,500
2025	$12,913.00 (+5.59%)	$785,000 Land $340,000 Building $445,000	$785,000 Land $340,000 Building $445,000
2024	$12,229.00
2023		$751,600 (+1.97%) Land $327,500 Building $424,100	$751,600 (+1.97%) Land $327,500 Building $424,100
2022	$11,882.00 (+5.29%)	$737,100 Land $325,000 Building $412,100	$737,100 Land $325,000 Building $412,100
2021	$11,285.00

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

Flood

FEMA maps place 465 Undercliff 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	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

Wildfire risk around 465 Undercliff Ave is low, with less than a 0.01% annual chance of 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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