532 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 532 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	1,865 sqft · built 1910
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$998,000 (Aug 2025)
Tax Bill	$12,217 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-00036-0000-00008`

Property Details

APN / Parcel Number

Primary APN	`13-00036-0000-00008`
Alternative APN	`130003600008`

Interior

Stories	2 Stories
Building Area	1,865 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	125 ft deep x 36 ft wide

Location & Zoning

Street Address	532 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1310
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	8
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	3
Census Block	3000
Census Tract	13002

Owner

Source: Bergen County and Edgewater Borough assessment roll, 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 File
Mailing Address	532 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed, Transfer · Conventional Mortgage LOWER LLC
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jul 24, 2017	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 7, 2025 · Amount on Record
Deed Sale	Aug 7, 2025 · Amount on Record
Prior Sale	Sep 7, 2021 · Amount on Record
Deed Document Number	202554113
Deed Book / Page	5570 / 135
Prior Transfer Date	Feb 9, 1999
Prior Transfer Doc	0000050859
Record Updated	Sep 20, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Sep 7, 2021
Property Address	532 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Document Number	0043611838
Book / Page	4361 / 1838
Instrument Date	Aug 11, 2021
Instrument	2021140712
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	FOUNDATION TITLE, FOUNDATION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 GARDEN ST, 217, HOBOKEN, NJ 07030-3705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310

Mortgage

Document Number	2021140713
Date	Sep 7, 2021
Instrument	2021140713

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	532 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036180298
Date	Jun 8, 2020
Book Page	3618/298
Instrument	20-056161

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 24, 2017
Property Address	532 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Document Number	0026740770
Book / Page	002674 / 000770
Instrument Date	Jul 11, 2017
Transaction Type	Transfer
Record Updated	Aug 2, 2017
Title Company	ACRES LAND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$882.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 UNDERCLIFF AVE EDGEWATER NJ 070201310, EDGEWATER, NJ 07020-1310

Mortgage

Document Number	26740775
Date	Jul 24, 2017
Book Page	002674/000775

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 23, 2032

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		$821,700 (+10.64%) Land $408,000 Building $413,700	$821,700 (+10.64%) Land $408,000 Building $413,700
2025	$12,217.00 (+6.65%)	$742,700 (+7.61%) Land $388,500 Building $354,200	$742,700 (+7.61%) Land $388,500 Building $354,200
2024	$11,455.00 (+6.74%)
2023		$690,200 Land $355,000 Building $335,200	$690,200 Land $355,000 Building $335,200
2022	$10,732.00

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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: Starry.

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