Bergen County and Edgewater Borough property record for 686 Undercliff Ave, Edgewater, NJ 07020
| Property Type | Single Family Home |
|---|---|
| Details | 1,300 sqft · built 1914 |
| Lot Size | 0.018 acres (775 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,753 (2025) |
| Deeds & Mortgages | Oct 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-00024-02-00001-01-C0686 |
| Primary APN | 13-00024-02-00001-01-C0686 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,300 sqft Living Area |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Stone |
| Construction Type | Stone |
| Lot Area | 775 sqft (0.018 acres) |
| Street Address | 686 UNDERCLIFF AVE |
|---|---|
| City | EDGEWATER |
| State | NJ |
| Zip | 07020-1454 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | EDGEWATER LOOMS CONDO |
| Legal Block | 24.02 |
| Legal Lot Number | 1.01 |
| Jurisdiction | BERGEN NJ |
| Township / Civil Division | EDGEWATER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 13002 |
Source: Bergen County and Edgewater Borough records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 686 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 686 UNDERCLIFF AVE, EDGEWATER, NJ 07020-1454 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0048250791 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 4825/791 |
| Instrument | 2022096515 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 906 Months |
| Due | Apr 12, 2098 |
Source: Bergen County and Edgewater Borough assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Edgewater Borough |
| Unified School District | Edgewater Borough School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $565,700 (+6.31%) Land $318,300 Building $247,400 | $565,700 (+6.31%) Land $318,300 Building $247,400 | |
| 2025 | $8,753.00 (+6.47%) | $532,100 (+7.6%) Land $302,500 Building $229,600 | $532,100 (+7.6%) Land $302,500 Building $229,600 |
| 2024 | $8,221.00 (+5.25%) | ||
| 2023 | $494,500 Land $277,100 Building $217,400 | $494,500 Land $277,100 Building $217,400 | |
| 2022 | $7,811.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 89% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 310 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 |
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