528 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 528 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	1,723 sqft · built 1915
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Aug 2019)
Tax Bill	$11,444 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00036-0000-00006`

Property Details

APN / Parcel Number

Primary APN	`13-00036-0000-00006`
Alternative APN	`130003600006`

Interior

Stories	2 Stories
Building Area	1,723 sqft Living Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	125 ft deep x 36 ft wide

Location & Zoning

Street Address	528 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	36X125
Legal Subdivision	HUDSON RIV REALTY CO SEC
Legal Block	36
Legal Lot Number	6
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	3
Census Block	3000
Census Tract	13002

Owner

528 Undercliff Ave is owned and occupied by two individuals who bought it in August 2019.

Source: Bergen County and Edgewater Borough records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	528 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 23, 2019	Deed with Mortgage, Transfer · Conventional with PMI LOANDEPOT.COM LLC
Jul 3, 2017	Grant Deed, Transfer · Conventional Mortgage PINNACLE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2019 · Amount on File
Deed Sale	Aug 23, 2019 · Amount on File
Prior Sale	Dec 12, 2007 · Amount on File
Deed Document Number	201955412
Deed Book / Page	3330 / 333
Prior Transfer Date	Oct 16, 2007
Prior Transfer Doc	0094620205
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	528 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038110715
Date	Nov 10, 2020
Book Page	3811/715
Instrument	20-116858

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Oct 1, 2045

August 2019: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Aug 23, 2019
Property Address	528 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0033300333
Book / Page	003330 / 000333
Instrument Date	Jul 29, 2019
Instrument	55412
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
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	528 UNDERCLIFF AVE EDGEWATER NJ 070201593, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	33300339
Date	Aug 23, 2019
Book Page	003330/000339
Instrument	55412

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 3, 2017
Property Address	528 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1593
Document Number	0026551757
Book / Page	002655 / 001757
Instrument Date	Jun 1, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	KCT ABSTRACT LLC, KCT ABS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
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	528 UNDERCLIFF AVE EDGEWATER NJ 070201593, EDGEWATER, NJ 07020-1593

Mortgage

Document Number	26551762
Date	Jul 3, 2017
Book Page	002655/001762

Lender

Name	PINNACLE MTG
Type	Mortgage Company
Address	EAST HANOVER, NJ 07936

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Mortgage

Document Number	26551781,
Date	Jul 3, 2017
Book Page	002655/001781

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 528 Undercliff Ave was $11,444, up 6.7% 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		$728,300 (+4.69%) Land $408,000 Building $320,300	$728,300 (+4.69%) Land $408,000 Building $320,300
2025	$11,444.00 (+6.67%)	$695,700 Land $388,500 Building $307,200	$695,700 Land $388,500 Building $307,200
2024	$10,728.00
2023		$645,800 Land $355,000 Building $290,800	$645,800 Land $355,000 Building $290,800
2022	$10,034.00

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

Flood

FEMA maps place 528 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 528 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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