642 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 642 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	2,835 sqft · built 2017
Lot Size	0 acres (17 sqft)
Owner	Individual Name on File
Last Sale	$1,750,000 (Jun 2024)
Tax Bill	$25,570 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00028-0000-00022-01-C0642`

Property Details

APN / Parcel Number

Primary APN	`13-00028-0000-00022-01-C0642`

Interior

Building Area	2,835 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Condo/Apartment
Lot Area	17 sqft

Location & Zoning

Street Address	642 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	19,300 SF
Legal Subdivision	UNDERCLIFF 640 CONDOS
Legal Block	28
Legal Lot Number	22.01
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	1
Census Block	1003
Census Tract	13002

Owner

642 Undercliff Ave is owned and occupied by an individual who bought it in June 2024.

Source: Bergen County and Edgewater Borough records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	642 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jul 8, 2022	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 4, 2017	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2024 · Amount on File
Deed Sale	Jun 4, 2024 · Amount on File
Prior Sale	Jul 8, 2022 · Amount on File
Deed Document Number	202433233
Deed Book / Page	5252 / 1947
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Jul 8, 2022
Property Address	642 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Document Number	0047361558
Book / Page	4736 / 1558
Instrument Date	Jun 10, 2022
Instrument	2022068956
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	PENN LAND TRANSFER COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63 PARK ST, 63, TENAFLY, NJ 07670-1123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 UNDERCLIFF AVE # 642, 642, EDGEWATER, NJ 07020-1417

Mortgage

Document Number	2022068957
Date	Jul 8, 2022
Instrument	2022068957

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Apr 4, 2017
Property Address	642 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Document Number	0025791109
Book / Page	02579 / 1109
Instrument Date	Jan 18, 2017
Instrument	17-028257
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,596.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 MALTESE DR, 90, TOTOWA, NJ 07512-1403

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025791119
Date	Apr 4, 2017
Book Page	02579/1119
Instrument	17-028257.01

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 642 Undercliff Ave was $25,570, up 6.3% 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		$1,655,500 (+6.5%) Land $514,600 Building $1,140,900	$1,655,500 (+6.5%) Land $514,600 Building $1,140,900
2025	$25,570.00 (+6.33%)	$1,554,400 Land $490,000 Building $1,064,400	$1,554,400 Land $490,000 Building $1,064,400
2024	$24,047.00
2023		$1,457,700 Land $441,700 Building $1,016,000	$1,457,700 Land $441,700 Building $1,016,000
2022	$23,019.00

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

Flood

FEMA maps place 642 Undercliff Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

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	1 in force
Nearby Flood Claims	2 (1981–1989)
Most Recent Claim	May 1989 · rainfall accumulation

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 642 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 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 600 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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