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OT: Real Estate Question - Toms River/Brick and area

In Wilmington- part of the higher DE tax cost is that they do have the largest FD in the State, one of the largest PD's etc...I am looking at a HOA that does do the garbage collection. HOA is only $300 a year.
Self-contained neighborhood- restaurants, stores, etc - the only downside is that the lots are very small. But the homes have a ton of character. It feels like you walked into a X-Mas movie.
For you two, as it's what you're used to. For others, I bet it's fine.

And I linked all those things for others in the thread. Every agency is paid, not volunteer.

So even if you weren't in a HOA or a gated community...your trash gets picked up, a cop drives by your house and if you have something else, a fire or a medical emergency, your wait time will be reasonable.

Not bad for $4K a year.
 
Don't say I didn't warn you. HOA stands for Horrific Overreacting Autocrats.

Good luck with that. Never again. I'd rather live in a slum than a place run by an HOA.
Like most things in life, it depends on individual experiences
My parents moved down to FL and have been in 2 separate neighborhoods w/HOA's

Both have been great, good people running them, and nobody gets out of line, yentas kept to a minimum
Yards look pristine, houses in order, nobody parking on the street, trash comes at 8am and cans have to be in by noon

Annoying at times, but like a certain organization that flourished until Guiliani came along, as long as everybody stays in line and plays by the rules, there's no issues

The elephant in the room are twofold - new leadership which will eventually come in, and the monthly costs

like taxes, the monthly HOA costs only go up - and unlike taxes, you can't write them off
And you're not getting more bang for your buck - they still cut the lawn 1/x week, trim trees 1/quarter, etc.

If new leadership comes in and starts w/their own agenda, it could spell trouble

Those are the two great unknowns
What is known though is the neighborhood will always be neat and orderly, without any idiots mucking things up
 
For you two, as it's what you're used to. For others, I bet it's fine.

And I linked all those things for others in the thread. Every agency is paid, not volunteer.

So even if you weren't in a HOA or a gated community...your trash gets picked up, a cop drives by your house and if you have something else, a fire or a medical emergency, your wait time will be reasonable.

Not bad for $4K a year.
In Sedona, we have all of the above.
Never seen a police officer drive through our neighborhood. Rarely see them anywhere.
Fire stations are fairly spread out and response times vary.
Nearest hospital is quite a distance from most of Sedona, and if you need a doctor for a medical emergency, that makes a difference.
The last one is our bigggest concern.

Not sure about Wilmington.
 
Myself- I have no issue with the Orthodox and their religion. (OK- nothing to do with religion (as it is more of a hostile take over business to them)but some of the lifestyle is bothersome) But, if I am going to purchase a home- the market does get affected by what happens in areas they target to take over. The local government also gets taken over completely. Public Parks and lands also become mismanaged.
I just wouldn't want to spend $500k + and have the headache of it all and then, not be able to sell.
Problem is they are awful drivers and lack car insurance so going that direction plan to play bumper cars. My wife's cousin & my friend from work live side by side in Anchorage section lagoon by the bay. It's very nice there. Are the biker gangs/section 8' still in that area
 
In Sedona, we have all of the above.
Never seen a police officer drive through our neighborhood. Rarely see them anywhere.
Fire stations are fairly spread out and response times vary.
Nearest hospital is quite a distance from most of Sedona, and if you need a doctor for a medical emergency, that makes a difference.
The last one is our bigggest concern.

Not sure about Wilmington.
So can you shoot the javelinas yourself if needed?
 
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In Sedona, we have all of the above.
Never seen a police officer drive through our neighborhood. Rarely see them anywhere.
Fire stations are fairly spread out and response times vary.
Nearest hospital is quite a distance from most of Sedona, and if you need a doctor for a medical emergency, that makes a difference.
The last one is our bigggest concern.

Not sure about Wilmington.
Not really an issue vs. the Wild West and the space.
 
For you two, as it's what you're used to. For others, I bet it's fine.

And I linked all those things for others in the thread. Every agency is paid, not volunteer.

So even if you weren't in a HOA or a gated community...your trash gets picked up, a cop drives by your house and if you have something else, a fire or a medical emergency, your wait time will be reasonable.

Not bad for $4K a year.
many of the lots are under .23 acre...and the houses are large. They do their best to make sure the neighbor does not have a window space directly in your outside space. It isn't what I am used to but this specific neighborhood has so much unique character, it may be worth it.

The HOA is literally $30 a month. And they don't restrict too much. Certain types of fences. Any after build addon's do need to fit the footprint of the "lot" and what could have been an option on the new construction. These are brand new homes, so you have already pretty much selected most things you want anyway.
 
many of the lots are under .23 acre...and the houses are large. They do their best to make sure the neighbor does not have a window space directly in your outside space. It isn't what I am used to but this specific neighborhood has so much unique character, it may be worth it.

The HOA is literally $30 a month. And they don't restrict too much. Certain types of fences. Any after build addon's do need to fit the footprint of the "lot" and what could have been an option on the new construction. These are brand new homes, so you have already pretty much selected most things you want anyway.
Even if it went up 10x in the next ~15 years, it's still feasible and that (along with your property taxes in DE) would be a fraction of what you'd be paying in NJ
Win/win in my book
 
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Yeah, they are relegated to the West Belmar and Collingswood sections. And it's a good thing too- they are there to catch the neighborhood bank robbers who use their bicycle as their escape vehicle to peddle 2 blocks homes. This is brilliant planning on the part of Wall's town fathers and mothers!!!

As far as the Route 18- extension to the old Brielle Circle (now the Wall Interchange) would have been wasted money. Plus, the traffic on 35 South of Old Bridge Road going over the Manaquan River bridge is already bottlenecked enough.


Is the average price of homes there affordable to those making 5 figures....I doubt it....

I think it would help to keep the traffic off of 34/35/local roads. And it would provide a needed alternative to the GSP.
 
You move/live where you can afford to go.

* A lot of parents do that. The facilitate part.

Right. And if I am the child of a Wall cop or teacher who takes up the same job, I guess then I am just hoping my parents give me their home, or I should live very far away?

Doesn't seem like a great solution.

I don't get the objection to building an affordable home that will have preference for locals. Wealthy towns needs low wage workers; low wage workers need a place to live.
 
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Government I agree complaining about
But overall, I don't get trashing a place where you've lived for the majority / your entire life (not you, but people in general) once you move out
Makes zero sense to me

I am more annoyed at the people who stay and complain.

It is one thing to grow up here, hate it and leave. It's another to love it and stay.

Unless you're caring for an ill loved one, I am not sure why the number of adults (literal not figurative) on this board who whine about NJ don't leave, especially when they all claim to be so successful. In the current environment can't they just leave and work remotely, or, since they want poor folks not to live in their communities, live in a place like PA or DE with much different rules, and commute?

Personally, if I was going to leave, I would just leave the US altogether for part of the year. I love NJ, and having traveled a lot, the taxation and cost is pretty fair for what you get in return for the most part.

I am a big believer in capitalism, the crux of which is supply and demand. Where the demand is higher- more people want to live in NY/NJ/CA- cost will be higher. Where demand is low- like MS or WV- costs will be bargain basement. I don't know how people with RU degrees wouldn't get it.
 
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Right. And if I am the child of a Wall cop or teacher who takes up the same job, I guess then I am just hoping my parents give me their home, or I should live very far away?

Doesn't seem like a great solution.

I don't get the objection to building an affordable home that will have preference for locals. Wealthy towns needs low wage workers; low wage workers need a place to live.
What do you think the average Wall cop and teacher take home. I went down that rabbit hole when the police Sgt. was arrested. His wife is a middle school teacher. Between the 2 pensioned incomes they were taking home well over $300k in salary. Civil servants are not hurting especially in Monmouth County.
 
What do you think the average Wall cop and teacher take home. I went down that rabbit hole when the police Sgt. was arrested. His wife is a middle school teacher. Between the 2 pensioned incomes they were taking home well over $300k in salary. Civil servants are not hurting especially in Monmouth County.

How old are they? And that is two incomes.

A senior cop making 200 and teacher 100, sure.

How about those in their 20s and 30s just starting out?

I went to HS in Monmouth County and there are teachers in their 40s-60s earning about 100k.
 
Is the average price of homes there affordable to those making 5 figures....I doubt it....

I think it would help to keep the traffic off of 34/35/local roads. And it would provide a needed alternative to the GSP.
West Belmar was the final frontier of affordability. No more. The issue over there is when the wind changes direction and SMRSA odors permeate.

Disagree on 18. Not being parochial about it either. Route 34 from the Parkway down to the Route 35 Bridge over the Mansaquan RIver is bad enough as it is. Can't imagine dumping more traffic on the interchange--it gets particularly clogged from the interchange to the river because it chokes down to 2 lanes and gets forced through down town Point Pleasant Beach. No easy solution.

But IIRC, where 18 was supposed to go through will now be the site of a lot of affordable housing in the area bounded by 34/Lakewood/35 and Valley Park Professional Center. Careful what you wish for, I guess.
 
How old are they? And that is two incomes.

A senior cop making 200 and teacher 100, sure.

How about those in their 20s and 30s just starting out?

I went to HS in Monmouth County and there are teachers in their 40s-60s earning about 100k.
What kids starting out can afford southern Monmouth County. You move where you can afford. Not everyone needs to have a $750k starter home. After college I had roomates and lived a greater distance from my job because I could not afford to live in NYC/. One year of commuting into the city. I decided my time was more important and moved into the city. There are sacrifices. I am all for affordable housing. But it does not need to come at a ridiculous mandate.

I have many family members that are police. 2 in their mid to late 20's with less than 5 years on. They are both taking home greater than 100k.
 
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Right. And if I am the child of a Wall cop or teacher who takes up the same job, I guess then I am just hoping my parents give me their home, or I should live very far away?

Doesn't seem like a great solution.

I don't get the objection to building an affordable home that will have preference for locals. Wealthy towns needs low wage workers; low wage workers need a place to live.
They don’t need to live where they work.

They need to live where they can afford to live.
 
They don’t need to live where they work.

They need to live where they can afford to live.
Very few Rumson police officers live in town. Guessing the same for Sea Girt and Spring Lake. Plenty of housing in Middletown, Highlands, Atlantic Highlands, Union Beach, Howell, Farmingdale, Point Pleasant, Brick, etc- all perfectly nice and fine towns.
 
Yeah, they are relegated to the West Belmar and Collingswood sections. And it's a good thing too- they are there to catch the neighborhood bank robbers who use their bicycle as their escape vehicle to peddle 2 blocks homes. This is brilliant planning on the part of Wall's town fathers and mothers!!!

As far as the Route 18- extension to the old Brielle Circle (now the Wall Interchange) would have been wasted money. Plus, the traffic on 35 South of Old Bridge Road going over the Manaquan River bridge is already bottlenecked enough.

That bank robbery story is crazy. I was talking to one of the bankers at the Brielle branch about it. The freaking guy was a regular at the Wall location. They knew him by name. Apparently he was a realtor in the area and had some issues with his partners and trust accounts.
 
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How old are they? And that is two incomes.

A senior cop making 200 and teacher 100, sure.

How about those in their 20s and 30s just starting out?

I went to HS in Monmouth County and there are teachers in their 40s-60s earning about 100k.
Ocean county teachers pay is crap. I think 1 or 2 districts in the entire county pay decent.
 
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They don’t need to live where they work.

They need to live where they can afford to live.
They need to live near where they work.

Pricing the necessary workforce out of an entire area is a problem not solved by "live where you can afford, bro." And it's not just a problem for the workers.
 
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They need to live near where they work.

Pricing the necessary workforce out of an entire area is a problem not solved by "live where you can afford, bro." And it's not just a problem for the workers.
That’s the way the world works.

Especially when the inventory doesn’t exist in the first place.

Commuting is not a four letter word. But it seems to be turning into one.
 
That’s the way the world works.

Especially when the inventory doesn’t exist in the first place.

Commuting is not a four letter word. But it seems to be turning into one.
Yep, problems do arise in the world. Then, sometimes, the world works to solve them. Just like it seems to be doing - slowly but surely.

Commuting is just fine when it's viable, but it isn't always. The work still needs doing, though. In fact, the "live where you can afford" crowd will be the first to complain if it isn't getting done.
 
Yep, problems do arise in the world. Then, sometimes, the world works to solve them. Just like it seems to be doing - slowly but surely.

Commuting is just fine when it's viable, but it isn't always. The work still needs doing, though. In fact, the "live where you can afford" crowd will be the first to complain if it isn't getting done.
It is reality though. And the work does get done.

You, the individual, have to decide whether it works or doesn’t work for you.
 
It is reality though. And the work does get done.

You the individual has to decide whether it works or doesn’t work for you.
What I said is reality, absolutely. That's why I said it.

The work stops getting done when there are worker shortages owing to a lack of affordable places to live. And then you get more affordable housing.

We're really talking about two parts of the same process.
 
What I said is reality, absolutely. That's why I said it.

The work stops getting done when there are worker shortages owing to a lack of affordable places to live. And then you get more affordable housing.

We're really talking about two parts of the same process.
I can see this happening in resort communities. Like ski places.

But if there is no room to build (for whatever reason - land, inventory, etc.), then I can see something happening down the road.

My Parents commute was an hour each way for ~40yrs. It got longer as they did better and moved to places they wanted to be. Mine is similar for almost 30.

If you want to live where you work or be close to it, decisions have to be made.
 
I can see this happening in resort communities. Like ski places.

But if there is no room to build (for whatever reason - land, inventory, etc.), then I can see something happening down the road.

My Parents commute was an hour each way for ~40yrs. It got longer as they did better and moved to places they wanted to be. Mine is similar for almost 30.

If you want to live where you work or be close to it, decisions have to be made.
Yes, it's a big problem in resort communities. It has been for a long time but has seemed to really come to a head in recent years. It gets worse over time as communities 45 minutes or an hour down the road that were once affordable price workers out and they have nowhere viable to go. At some point it's not worth it for an entire workstaff to commute that far, often through sketchy conditions. Worker shortage ...then, resorts race to find/build affordable housing.

There are affordable housing issues all over now, though, getting worse before better. "Move where you can afford" is a band aid that rips off and lets more problems fester. Hence, affordable housing going up all over the place.

Not always my favorite thing, either, but it's not going to reverse via outdated platitudes.
 
That bank robbery story is crazy. I was talking to one of the bankers at the Brielle branch about it. The freaking guy was a regular at the Wall location. They knew him by name. Apparently he was a realtor in the area and had some issues with his partners and trust accounts.
Former firefighter. My younger brother knows people he hung out with in high school.
 
Yes, it's a big problem in resort communities. It has been for a long time but has seemed to really come to a head in recent years. It gets worse over time as communities 45 minutes or an hour down the road that were once affordable price workers out and they have nowhere viable to go. At some point it's not worth it for an entire workstaff to commute that far, often through sketchy conditions. Worker shortage ...then, resorts race to find/build affordable housing.

There are affordable housing issues all over now, though, getting worse before better. "Move where you can afford" is a band aid that rips off and lets more problems fester. Hence, affordable housing going up all over the place.

Not always my favorite thing, either, but it's not going to reverse via outdated platitudes.
Well it’s also a problem when there is the one road in and one out set up.

If there isn’t the ability (say because of geography) to branch off, it’s a problem.

The Hamptons has Montauk Highway, and that’s it.

When I visit family out there once we get to their house we don’t drive anywhere. Boat to get somewhere or just stay on the compound.

But…everything still gets done.
 
Right. And if I am the child of a Wall cop or teacher who takes up the same job, I guess then I am just hoping my parents give me their home, or I should live very far away?

Doesn't seem like a great solution.

I don't get the objection to building an affordable home that will have preference for locals. Wealthy towns needs low wage workers; low wage workers need a place to live.
Aren't Wall cops making six figures?
 
Some towns require or at least used to require PD and FD to live in town for a certain amount of years when hired.
 
I am more annoyed at the people who stay and complain.

It is one thing to grow up here, hate it and leave. It's another to love it and stay.

Unless you're caring for an ill loved one, I am not sure why the number of adults (literal not figurative) on this board who whine about NJ don't leave, especially when they all claim to be so successful. In the current environment can't they just leave and work remotely, or, since they want poor folks not to live in their communities, live in a place like PA or DE with much different rules, and commute?

Personally, if I was going to leave, I would just leave the US altogether for part of the year. I love NJ, and having traveled a lot, the taxation and cost is pretty fair for what you get in return for the most part.

I am a big believer in capitalism, the crux of which is supply and demand. Where the demand is higher- more people want to live in NY/NJ/CA- cost will be higher. Where demand is low- like MS or WV- costs will be bargain basement. I don't know how people with RU degrees wouldn't get it.
most people in nj want to stay here but people like gov murphy make it difficult . if we can replace him with someone competent then many will want to stay. simple really
 
Some towns require or at least used to require PD and FD to live in town for a certain amount of years when hired.
My late Dad had that in Jersey City.

Luckily for my siblings and I he decided to leave for Middletown (and eventually Sea Girt) when we were little.

He and the other guys who decided to leave got involved with their local state level pols and eventually got it changed.

I think new hires in Newark have to stay.
 
most people in nj want to stay here but people like gov murphy make it difficult . if we can replace him with someone competent then many will want to stay. simple really
It isn’t the politics. It is when you say you have low property taxes at only 10k. It is a 2k sqft home with .25 acre at $750k
How does any middle class retire here
 
How old are they? And that is two incomes.

A senior cop making 200 and teacher 100, sure.

How about those in their 20s and 30s just starting out?

I went to HS in Monmouth County and there are teachers in their 40s-60s earning about 100k.
What cop is making 200K I'll wait
 
It isn’t the politics. It is when you say you have low property taxes at only 10k. It is a 2k sqft home with .25 acre at $750k
How does any middle class retire here
But it is politics. Voting for the same Trenton pols that keep raising state taxes and even worse passing unfunded mandates that hit counties and towns (causing property taxes to skyrocket) is dumb as hell.

Christie's last budget was $35.5B
Murphy's current budget is $56.6B

Anyone see a problem? LOL. And let's not forget about the $150B+ in debt and liabilities (3rd worse per capita in the nation).
 
But it is politics. Voting for the same Trenton pols that keep raising state taxes and even worse passing unfunded mandates that hit counties and towns (causing property taxes to skyrocket) is dumb as hell.

Christie's last budget was $35.5B
Murphy's current budget is $56.6B

Anyone see a problem? LOL. And let's not forget about the $150B+ in debt and liabilities (3rd worse per capita in the nation).
But this isn’t something new. People have talking about leaving NJ because of higher taxes for decades. I’m not a fan of Murphy but this isn’t just on him. I remember this same discussion back from the 80s.
 
Sounds delightful in Delaware. Once they force upgrades to a public sewer system, the taxes and expenses will rise.

We built a house in far western NY many years ago with a septic system. The engineer who designed our system also happened to be the town official who approved the design. After we sold, there was an issue with the septic system and the buyer called for some information and was incredulous that the approval was by the same person who designed the system. It really stinks!

 
But this isn’t something new. People have talking about leaving NJ because of higher taxes for decades. I’m not a fan of Murphy but this isn’t just on him. I remember this same discussion back from the 80s.
And people have been leaving NJ for the past several decades due to taxes (which is why we keep bleeding congressional seats). So yes, it's not new but the morons in Trenton now are actually accelerating the problem. They are not even pretending to give a crap about solving it.
 
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Sounds delightful in Delaware. Once they force upgrades to a public sewer system, the taxes and expenses will rise.

We built a house in far western NY many years ago with a septic system. The engineer who designed our system also happened to be the town official who approved the design. After we sold, there was an issue with the septic system and the buyer called for some information and was incredulous that the approval was by the same person who designed the system. It really stinks!

This is the 21st century, never buy a home on septic or well water.
 
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