473 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 473 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	Individual Name on File
Last Sale	$980,000 (Jan 2026)
Tax Bill	$12,928 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00045-0000-00004-0000-C0473`

Property Details

APN / Parcel Number

Primary APN	`13-00045-0000-00004-0000-C0473`
Alternative APN	`1300045000000004C0473`

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	473 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

473 Undercliff Ave is owned and occupied by an individual who bought it in January 2026.

Source: Bergen County and Edgewater Borough records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	473 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jan 14, 2026	Deed, Transfer · Conventional Mortgage LUMINATE BANK
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 18, 2018	Deed, Transfer · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2026 · Amount on File
Deed Sale	Jan 14, 2026 · Amount on File
Prior Sale	Dec 18, 2018 · Amount on File
Deed Document Number	20263210
Deed Book / Page	5702 / 1351
Prior Transfer Date	Nov 19, 2024
Prior Transfer Doc	0000015843
Record Updated	Sep 20, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 14, 2026
Property Address	473 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Document Number	0057021351
Book / Page	5702 / 1351
Instrument Date	Dec 17, 2025
Instrument	2026003210
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,343.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 N SUMMIT ST, TENAFLY, NJ 07670-1008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Investor	Possibly a Property Investor

Mortgage

Document Number	2026003211
Date	Jan 14, 2026
Instrument	2026003211

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	473 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037560669
Date	Oct 8, 2020
Book Page	3756/669
Instrument	20-100494

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	297 Months
Due	Jul 1, 2045

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Dec 18, 2018
Property Address	473 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282
Document Number	0031331348
Book / Page	3133 / 1348
Instrument Date	Nov 16, 2018
Instrument	18-088586
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	HUDSON ONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282

Mortgage

Document Number	0031331353
Date	Dec 18, 2018
Book Page	3133/1353
Instrument	2018-088586.01

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 473 Undercliff Ave was $12,928, 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		$873,300 (+11.12%) Land $410,000 Building $463,300	$873,300 (+11.12%) Land $410,000 Building $463,300
2025	$12,928.00 (+5.6%)	$785,900 Land $340,000 Building $445,900	$785,900 Land $340,000 Building $445,900
2024	$12,243.00
2023		$752,600 Land $327,500 Building $425,100	$752,600 Land $327,500 Building $425,100
2022	$11,896.00

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

Flood

FEMA maps place 473 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 473 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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