526 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 526 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	3,100 sqft · built 1920
Lot Size	0.717 acres (31,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (May 2022)
Tax Bill	$14,608 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00036-0000-00005`

Property Details

APN / Parcel Number

Primary APN	`13-00036-0000-00005`
Alternative APN	`130003600005`

Interior

Stories	1 Story
Building Area	3,100 sqft Living Area
1st Floor Area	3,100 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Lot Area	31,250 sqft (0.717 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Location & Zoning

Street Address	526 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	25X125 0.7174 ACRES
Legal Subdivision	HUDSON RIV REALTY CO SEC
Legal Block	36
Legal Lot Number	5
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	526 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed, Transfer · Conventional Mortgage UNITY BANK
Aug 16, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	202250622
Deed Book / Page	4680 / 1693
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	May 12, 2022
Property Address	526 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0046801693
Book / Page	4680 / 1693
Instrument Date	Mar 30, 2022
Instrument	2022050622
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	TWO RIVERS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 ROOSEVELT AVE # 2, 125, CRANFORD, NJ 07016-2617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	2022050623
Date	May 12, 2022
Instrument	2022050623

Lender

Name	UNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	7%
Index	Other
Margin	4
Max Rate	11%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Aug 16, 2017
Property Address	526 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0026961428
Book / Page	002696 / 001428
Instrument Date	Jul 28, 2017
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	526 UNDERCLIFF AVE EDGEWATER NJ 070201593, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	26961433
Date	Aug 16, 2017
Book Page	002696/001433

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

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		$929,500 (+4.67%) Land $361,300 Building $568,200	$929,500 (+4.67%) Land $361,300 Building $568,200
2025	$14,608.00 (+8.35%)	$888,000 (+8.76%) Land $343,100 Building $544,900	$888,000 (+8.76%) Land $343,100 Building $544,900
2024	$13,482.00 (+57.39%)
2023		$816,500 Land $313,800 Building $502,700	$816,500 Land $313,800 Building $502,700
2022	$8,566.00

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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