534 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 534 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	2,197 sqft · built 1910
Lot Size	0.072 acres (3,123 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (Oct 2023)
Tax Bill	$13,570 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00036-0000-00009`

Property Details

APN / Parcel Number

Primary APN	`13-00036-0000-00009`
Alternative APN	`130003600009`

Interior

Stories	3 Stories
Building Area	2,197 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	3,123 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Location & Zoning

Street Address	534 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	25X125 0.0717
Legal Subdivision	HUDSON RIVER REALTY CO SE
Legal Block	36
Legal Lot Number	9
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	3
Census Block	3000
Census Tract	13002

Owner

534 Undercliff Ave is owned and occupied by two individuals who bought it in October 2023.

Source: Bergen County and Edgewater Borough records, as of June 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	534 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 14, 2022	Deed, Transfer · Commercial Mortgage ABL RPC RESIDENTIAL CREDIT ACQUSITI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on File
Deed Sale	Oct 19, 2023 · Amount on File
Prior Sale	Jul 14, 2022 · Amount on File
Deed Document Number	202368983
Deed Book / Page	5108 / 1960
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Oct 19, 2023
Property Address	534 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Document Number	0051081960
Book / Page	5108 / 1960
Instrument Date	Oct 16, 2023
Instrument	2023068983
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	NORTH BERGEN TITLE AGENCY INC, NORTH BERGEN TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,517.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	541 VALLEY BROOK AVE, LYNDHURST, NJ 07071-1931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Investor	Possibly a Property Investor

Mortgage

Document Number	2023068984
Date	Oct 19, 2023
Instrument	2023068984

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 14, 2022
Property Address	534 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Document Number	0047401861
Book / Page	4740 / 1861
Instrument Date	Mar 7, 2022
Instrument	2022070364
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ELITE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,415.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	145 AMES AVE, LEONIA, NJ 07605-2001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1310
Investor	Possibly a Property Investor

Mortgage

Document Number	2022070365
Date	Jul 14, 2022
Instrument	2022070365

Lender

Name	ABL RPC RESIDENTIAL CREDIT ACQUSITI
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 534 Undercliff Ave was $13,570, 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		$863,700 (+4.7%) Land $361,200 Building $502,500	$863,700 (+4.7%) Land $361,200 Building $502,500
2025	$13,570.00 (+6.68%)	$824,900 (+3.05%) Land $343,100 Building $481,800	$824,900 (+3.05%) Land $343,100 Building $481,800
2024	$12,720.00 (+5.21%)	$800,500 (+55.56%) Land $331,500 Building $469,000	$800,500 (+55.56%) Land $331,500 Building $469,000
2023	$12,090.00 (+37.45%)	$514,600 (-5.7%) Land $313,700 Building $200,900	$514,600 (-5.7%) Land $313,700 Building $200,900
2022	$8,796.00 (-1.48%)	$545,700 Land $298,700 Building $247,000	$545,700 Land $298,700 Building $247,000
2021	$8,928.00

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

Flood

FEMA maps place 534 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 534 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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