471 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 471 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 Record
Last Sale	$375,000 (May 2001)
Tax Bill	$12,520 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00045-0000-00004-0000-C0471`

Property Details

APN / Parcel Number

Primary APN	`13-00045-0000-00004-0000-C0471`
Alternative APN	`1300045000000004C0471`

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	471 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1282
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 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	Company Name on Record
Mailing Address	471 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST 2ND MORTGAGE CO OF NEW JERSEY INC
Jul 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Mar 30, 2017	Deed, Transfer · Conventional Mortgage 1ST 2ND MORTGAGE CO OF NEW JERSEY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2001 · Amount on Record
Deed Sale	May 21, 2001 · Amount on Record
Prior Sale	Sep 8, 1998 · Amount on Record
Deed Book / Page	8368 / 938
Last Transfer Date	Nov 19, 2024
Transfer Doc	0000015843
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	471 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	SAND LANE TITLE AGENCY LLC, SAFE LAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044301267
Date	Oct 27, 2021
Book Page	4430/1267
Instrument	2021161617

Lender

Name	1ST 2ND MORTGAGE CO OF NEW JERSEY INC
Type	Mortgage Company
Address	CRESSKILL, NJ 07626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	471 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033050453
Date	Jul 26, 2019
Book Page	3305/453
Instrument	19-048370

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Mar 30, 2017
Property Address	471 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Document Number	0025760938
Book / Page	02576 / 0938
Instrument Date	Dec 15, 2016
Instrument	17-027298
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	STEWART TITLE GUARANTY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	471 UNDERCLIFF AVE, 471, EDGEWATER, NJ 07020-1282

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282

Mortgage

Document Number	0025760945
Date	Mar 30, 2017
Book Page	02576/0945
Instrument	17-027298.01

Lender

Name	1ST 2ND MORTGAGE CO OF NEW JERSEY INC
Type	Mortgage Company
Address	CRESSKILL, NJ 07626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Jan 1, 2042

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		$846,800 (+11.26%) Land $410,000 Building $436,800	$846,800 (+11.26%) Land $410,000 Building $436,800
2025	$12,520.00 (+5.48%)	$761,100 (+4.23%) Land $340,000 Building $421,100	$761,100 (+4.23%) Land $340,000 Building $421,100
2024	$11,870.00 (+2.79%)
2023		$730,200 Land $327,500 Building $402,700	$730,200 Land $327,500 Building $402,700
2022	$11,548.00

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	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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