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522 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 522 Undercliff Ave, Edgewater, NJ 07020 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details1,656 sqft · built 1920
Lot Size0.066 acres (2,875 sqft)
Owner2 Individual Names on File
Last Sale$725,000 (Aug 2019)
Tax Bill$10,776 (2025)
Deeds & MortgagesOct 2020 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN13-00036-0000-00003

Property Details

APN / Parcel Number

Primary APN13-00036-0000-00003
Alternative APN
  • 130003600003

Interior

Stories1 Story
Building Area1,656 sqft Living Area
1st Floor Area1,656 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleRanch
Construction TypeFrame
Lot Area2,875 sqft (0.066 acres)
Lot Dimensions125 ft deep x 23 ft wide
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address522 UNDERCLIFF AVE
CityEDGEWATER
StateNJ
Zip07020-1593
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description23X125 0.066
Legal Block36
Legal Lot Number3
JurisdictionBERGEN NJ
Township / Civil DivisionEDGEWATER
Census Block Group3
Census Block3000
Census Tract13002

Owner

Source: Bergen County and Edgewater Borough records · APN 13-00036-0000-00003

Assessment roll updated June 29, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address522 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Aug 23, 2019Deed with Mortgage, Transfer · Conventional with PMI
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 23, 2019 · Amount on Record
Deed SaleAug 23, 2019 · Amount on Record
Prior SaleJan 14, 1998 · Amount on Record
Deed Document Number201955234
Deed Book / Page3329 / 1389
Record UpdatedSep 20, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBERGEN NJ
Property Address522 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Transaction TypeMortgage
Record UpdatedAug 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037670897
DateOct 15, 2020
Book Page3767/897
Instrument20-103756
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

August 2019: Deed with Mortgage, Transfer

Document TypeDeed with Mortgage
JurisdictionBERGEN NJ
Recording DateAug 23, 2019
Property Address522 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number0033291389
Book / Page003329 / 001389
Instrument DateJul 17, 2019
Instrument55234
Transaction TypeTransfer
Record UpdatedSep 06, 2019
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$725.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address522 UNDERCLIFF AVE EDGEWATER NJ 070201593, EDGEWATER, NJ 07020-1593

Mortgage

Document Number33291397
DateAug 23, 2019
Book Page003329/001397
Instrument55234
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 22, 2049

Tax Assessment & Valuation

Source: Bergen County and Edgewater Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew Jersey
CountyBergen County
MunicipalityEdgewater Borough
Unified School DistrictEdgewater Borough School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$695,800 (+6.21%) Land $352,700 Building $343,100$695,800 (+6.21%) Land $352,700 Building $343,100
2025$10,776.00 (+6.79%)$655,100 (+7.52%) Land $334,800 Building $320,300$655,100 (+7.52%) Land $334,800 Building $320,300
2024$10,091.00 (+6.86%)
2023$609,300 Land $306,200 Building $303,100$609,300 Land $306,200 Building $303,100
2022$9,443.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 340030130023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies6 units insured
2 under condo master policies
Nearby Flood Claims2 (2007–2012)
Most Recent ClaimOct 2012, tidal / storm surge, Hurricane Sandy

Wildfire

Wildfire RiskLow
above 2% of the US · above 6% of New Jersey
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
VerizonFiber2,300 / 2,300
SpectrumCable1,000 / 1,000
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, Spectrum, Starry. Availability varies by address; speeds are provider-advertised maximums, not measured.

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