Bergen County and Edgewater Borough property record for 475 Undercliff Ave, Edgewater, NJ 07020
| Property Type | Single Family Home |
|---|---|
| Details | 1,630 sqft · built 1992 |
| Lot Size | 2.81 acres (122,839 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (Apr 2012) |
| Tax Bill | $12,668 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00045-0000-00004-0000-C0475 |
| Primary APN | 13-00045-0000-00004-0000-C0475 |
|---|---|
| Alternative APN |
|
| Building Area | 1,630 sqft Living Area |
|---|
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Townhouse |
| Lot Area | 122,839 sqft |
| Street Address | 475 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 | PANARAMA 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 |
475 Undercliff Ave is owned and occupied by two individuals who bought it in April 2012.
Source: Bergen County and Edgewater Borough records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 475 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2012 · Amount on File |
| Deed Sale | Apr 25, 2012 · Amount on File |
| Prior Sale | Jul 9, 2003 · Amount on File |
| Deed Document Number | 20124020801 |
| Deed Book / Page | 1023 / 1280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 475 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1282 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0040020586 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 4002/586 |
| Instrument | 2021032717 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 475 Undercliff Ave was $12,668, up 5.5% 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 | $856,500 (+11.22%) Land $410,000 Building $446,500 | $856,500 (+11.22%) Land $410,000 Building $446,500 | |
| 2025 | $12,668.00 (+5.53%) | $770,100 Land $340,000 Building $430,100 | $770,100 Land $340,000 Building $430,100 |
| 2024 | $12,004.00 | ||
| 2023 | $738,400 Land $327,500 Building $410,900 | $738,400 Land $327,500 Building $410,900 | |
| 2022 | $11,675.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 475 Undercliff Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2012.
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 |
|---|---|
| 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 |
|
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 risk around 475 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.
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 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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