516 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 516 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 File
Last Sale	$1,340,000 (Apr 2026)
Tax Bill	$23,509 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00042-0000-00004-0000-C0516`

Property Details

APN / Parcel Number

Primary APN	`13-00042-0000-00004-0000-C0516`

Interior

Building Area	2,610 sqft Living Area

Exterior

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

Location & Zoning

Street Address	516 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	UNDERCLIFF AVE CONDO
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

516 Undercliff Ave is owned and occupied by two individuals who bought it in April 2026.

Source: Bergen County and Edgewater Borough records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 13, 2026	Deed, Transfer · Conventional Mortgage WELLS FARGO
Apr 13, 2026	Deed, Transfer · Conventional Mortgage WELLSFARGOBANKNA
Oct 20, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Prior Sale	Oct 20, 2021 · Amount on File
Deed Document Number	202624081
Deed Book / Page	5769 / 1379
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 13, 2026
Property Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0057691379
Book / Page	5769 / 1379
Instrument Date	Mar 27, 2026
Instrument	202624081
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	TITLE LINES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135,340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	0000024082,
Date	Apr 13, 2026
Instrument	202624082

Lender

Name	WELLS FARGO

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 13, 2026
Property Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0000024081
Book / Page	5769 / 1379
Instrument Date	Mar 27, 2026
Instrument	2026.24081
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	TITLE LINES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135,340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	0000024082,
Date	Apr 13, 2026
Instrument	2026..24082

Lender

Name	WELLSFARGOBANKNA

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 20, 2021
Property Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0044220235
Book / Page	4422 / 235
Instrument Date	Sep 15, 2021
Instrument	2021159064
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	RIVERVIEW TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 PIER LN, 89, FAIRFIELD, NJ 07004-2110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	2021159065
Date	Oct 20, 2021
Instrument	2021159065

Lender

Name	NEW JERSEY LENDERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 516 Undercliff Ave was $23,509, up 6.2% 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		$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 Land $398,400 Building $1,030,700	$1,429,100 Land $398,400 Building $1,030,700
2024	$22,143.00
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

FEMA maps place 516 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

Wildfire risk around 516 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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