648 Undercliff Ave, Edgewater, NJ 07020 Property Records

Bergen County and Edgewater Borough property record for 648 Undercliff Ave, Edgewater, NJ 07020

Property Summary

Property Type	Single Family Home
Details	3,075 sqft · built 2015
Lot Size	0.182 acres (7,924 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Feb 2019)
Tax Bill	$25,065 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-00028-0000-00022-03-C0648`

Property Details

APN / Parcel Number

Primary APN	`13-00028-0000-00022-03-C0648`

Interior

Building Area	3,075 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Condo/Apartment
Lot Area	7,924 sqft (0.182 acres)

Location & Zoning

Street Address	648 UNDERCLIFF AVE
City	EDGEWATER
State	NJ
Zip	07020-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	7925 SF
Legal Subdivision	640 UNDERCLIFF AVE CONDO
Legal Block	28
Legal Lot Number	22.03
Jurisdiction	BERGEN NJ
Township / Civil Division	EDGEWATER
Census Block Group	1
Census Block	1003
Census Tract	13002

Owner

648 Undercliff Ave is owned and occupied by two individuals who bought it in February 2019.

Source: Bergen County and Edgewater Borough records, as of October 13, 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	648 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2019	Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Aug 9, 2018	Deed of Trust, Mortgage 648 UNDERCLIFF AVE FNDG ASSOCS
Jun 22, 2018	Deed of Trust, Mortgage GELT LLC
Jul 6, 2018	Deed with Mortgage, Transfer GELT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2019 · Amount on File
Deed Sale	Feb 15, 2019 · Amount on File
Deed Document Number	201911302
Deed Book / Page	3180 / 2438
Prior Transfer Date	Jun 22, 2018
Prior Transfer Doc	0029880452
Record Updated	Oct 29, 2026

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BERGEN NJ
Recording Date	Feb 15, 2019
Property Address	648 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Document Number	0031802438
Book / Page	3180 / 2438
Instrument Date	Feb 1, 2019
Instrument	19-011302
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1454

Mortgage

Document Number	1901130201
Date	Feb 15, 2019
Instrument	19-011302.01

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0031802438
Date	Feb 15, 2019
Book Page	3180/2438
Instrument	19-011302

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	648 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Document Number	0030501049
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018
Title Company	MAIN STREET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 NEWPORT PKWY #1710 JERSEY CITY NJ 073101545, 1710, JERSEY CITY, NJ 07310-1545

Mortgage

Document Number	0030501049
Date	Sep 13, 2018
Book Page	003050/001049
Instrument	64991

Lender

Name	648 UNDERCLIFF AVE FNDG ASSOCS
Address	133 PARKWAY RD, BRONXVILLE, NY 10708-3605

Agreement

Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERGEN NJ
Property Address	648 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Document Number	0030290963
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	MEISTER ABSTRACT CORPORATION, MEISTER ABSTRACT CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 NEWPORT PKWY #1710 JERSEY CITY NJ 073101545, 1710, JERSEY CITY, NJ 07310-1545

Mortgage

Document Number	0030290963
Date	Aug 16, 2018
Book Page	003029/000963
Instrument	58987

Lender

Name	GELT LLC
Address	139 FULTON ST # 300, NEW YORK, NY 10038-2537

Agreement

Amount	Amount on Record

July 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	BERGEN NJ
Recording Date	Jul 6, 2018
Property Address	648 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1417
Document Number	0029880452
Book / Page	002988 / 000452
Instrument Date	Jun 22, 2018
Instrument	47735
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	NEW JERSEY LAND TITLE INSURANCE, NEW JERSEY LAND TITLE INS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 NEWPORT PKWY #1710 JERSEY CITY NJ 073101545, 1710, JERSEY CITY, NJ 07310-1545

Mortgage

Document Number	29880458
Date	Jul 6, 2018
Book Page	002988/000458
Instrument	47735

Lender

Name	GELT LLC
Address	139 FULTON ST # 300, NEW YORK, NY 10038-2537

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 648 Undercliff Ave was $25,065, up 6.1% 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		$1,620,900 (+6.38%) Land $473,100 Building $1,147,800	$1,620,900 (+6.38%) Land $473,100 Building $1,147,800
2025	$25,065.00 (+6.11%)	$1,523,700 Land $450,200 Building $1,073,500	$1,523,700 Land $450,200 Building $1,073,500
2024	$23,622.00
2023		$1,436,300 Land $408,500 Building $1,027,800	$1,436,300 Land $408,500 Building $1,027,800
2022	$22,696.00

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

Flood

FEMA maps place 648 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 648 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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