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When looking to buy a home in the Beach Haven West real estate market, it is important to understand what the overall cost of owning a home will be. The cost of ownership in the Beach Haven West real estate market is different from many other primary and secondary home markets and understanding these differences can help to avoid an expensive mistake.
Your mortgage will most likely be the largest expense you incur. The mortgage will be dependent on the amount of money a buyer puts down and their interest rate. For a loan with less than a 20% down payment, private mortgage insurance is typically required.
Beach Haven West is a part of Stafford Township and the tax rate is based on Stafford's municipal code. Property taxes are determined based on the home, the location, and the improvements. It is important to have an understanding of the area property taxes to make sure that are affordable both now and in the future.
Beach Haven West is serviced by New Jersey Natural Gas, Atlantic City Electric and municipal water. In addition cable and phone services are available through Verizon or Comcast.
Flood insurance is one of the largest variables in the Beach Haven West real estate market. For a home that meets the current code, flood insurance is very expense. For a home that is below base flood elevation, the cost can be surprisingly high. It is important to understand how flood insurance is rated and what determines the costs before buying any home in the Beach Haven West real estate market.
Homeowner's Insurance is available through many primary and secondary carries however be aware that some of the larger insurance companies no longer write policies in ANY coastal area, Beach Haven West being one of them.
A home on the water will often require additional repairs and upkeep. Be sure to budget for this, especially if you have an older bulkhead that may need replacement.
Learn about the different areas that make up the Beach Haven West NJ real estate market.
Read the latest about flood insurance in the Beach Haven West real estate market.
C: 609.290.4293 | O: 609.492.1511 | E: ncolmer@vandykgroup.com