514 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 514 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	2,610 sqft · built 2015
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,000 (Jan 2017)
Tax Bill	$23,509 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00042-0000-00004-0000-C0514`

Property Details

APN / Parcel Number

Primary APN	`13-00042-0000-00004-0000-C0514`

Interior

Stories	1 Story
Building Area	2,610 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	192 ft deep x 25 ft wide

Location & Zoning

Street Address	514 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	25X192
Legal Subdivision	514-516 UNDERCLIFF AVE
Legal Block	42
Legal Lot Number	4
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	3
Census Block	3000
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	2 Individual Names on Record
Mailing Address	514 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Deed of Trust, Mortgage UNITED SECURITY FINANCIAL CORP UNITED SECURITY FINANCIAL CORP
Jan 24, 2017	Deed, Transfer · Conventional Mortgage USALLIANCE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2017 · Amount on Record
Deed Sale	Jan 24, 2017 · Amount on Record
Prior Sale	Jan 4, 2016 · Amount on Record
Deed Document Number	2017798201
Deed Book / Page	2514 / 1825
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	514 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0036771336
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	514 UNDERCLIFF AVE EDGEWATER NJ 070201593, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	0036771336
Date	Aug 24, 2020
Book Page	003677/001336
Instrument	76587

Lender

Name	UNITED SECURITY FINANCIAL CORP UNITED SECURITY FINANCIAL CORP
Type	Bank
Address	MURRAY, UT 84121

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jan 24, 2017
Property Address	514 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0025141825
Book / Page	02514 / 1825
Instrument	17-007982.01
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 UNDERCLIFF AVE, 514, EDGEWATER, NJ 07020-1593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	0025141831
Date	Jan 24, 2017
Book Page	02514/1831
Instrument	17-007982.02

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	WOBURN, MA 01801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	8.12%
Index	Prime Rate
Max Rate	8.12%

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		$1,343,800 (-5.97%) Land $418,200 Building $925,600	$1,343,800 (-5.97%) Land $418,200 Building $925,600
2025	$23,509.00 (+6.17%)	$1,429,100 (+6.02%) Land $398,400 Building $1,030,700	$1,429,100 (+6.02%) Land $398,400 Building $1,030,700
2024	$22,142.00 (+4.92%)
2023		$1,348,000 Land $364,000 Building $984,000	$1,348,000 Land $364,000 Building $984,000
2022	$21,104.00

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
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

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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