Bergen County and Edgewater Borough property record for 496 Undercliff Ave, Edgewater, NJ 07020
| Property Type | Single Family Home |
|---|---|
| Details | 2,568 sqft · built 2020 |
| Lot Size | 0.058 acres (2,526 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $23,425 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00048-0000-00004-0000-C0002 |
| Primary APN | 13-00048-0000-00004-0000-C0002 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,568 sqft Living Area |
| 1st Floor Area | 2,568 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 2,526 sqft (0.058 acres) |
| Lot Dimensions | 101 ft deep x 25 ft wide |
| Street Address | 496 UNDERCLIFF AVE, 2 |
|---|---|
| City | EDGEWATER |
| State | NJ |
| Zip | 07020-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 25X101 |
| Legal Block | 48 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EDGEWATER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 13002 |
496 Undercliff Ave is owned and occupied by two individuals who acquired it in January 2021.
Source: Bergen County and Edgewater Borough records, as of October 13, 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 | 496 UNDERCLIFF AVE, 2, EDGEWATER, NJ 07020-1215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 12, 2021 |
| Transfer Doc | 0000032546 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Jun 23, 2021 |
| Property Address | 496 UNDERCLIFF AVE # 2, 2, EDGEWATER, NJ 07020-1215 |
| Document Number | 0042291872 |
| Book / Page | 4229 / 1872 |
| Instrument Date | Apr 28, 2021 |
| Instrument | 2021100727 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | HONEST TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 229 BERKELEY RD, RIVER EDGE, NJ 07661-1213 |
| Name | Verified Name |
|---|---|
| Address | 496 UNDERCLIFF AVE # 2, 2, EDGEWATER, NJ 07020-1215 |
| Document Number | 2021100728 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021100728 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 496 Undercliff Ave was $23,425, up 6.1% 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 | $1,519,800 (+6.73%) Land $340,900 Building $1,178,900 | $1,519,800 (+6.73%) Land $340,900 Building $1,178,900 | |
| 2025 | $23,425.00 (+6.11%) | $1,424,000 Land $323,300 Building $1,100,700 | $1,424,000 Land $323,300 Building $1,100,700 |
| 2024 | $22,076.00 | ||
| 2023 | $1,349,200 Land $295,800 Building $1,053,400 | $1,349,200 Land $295,800 Building $1,053,400 | |
| 2022 | $20,266.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 496 Undercliff Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.
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 | 6 units insured incl. 2 condo units |
| Nearby Flood Claims | 2 (2007–2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 496 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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