This home is in a flood zone however some of the homes on this street are not in a flood zone. Being a long time resident of the street (and ironically knowing the neighbor). 45 Carlos has not gotten any water (as per the owner)
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Nicola "Nick" Castelli
Upton Realty Group
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Fox HIll Road in Fairfield, NJ is considered a high risk flood area for flood insurance purposes. Hope this information helps. Good luck with your search and let me know if I can be of any further assistance.... more
This property is part of a high risk floord area. I can help you run this or any flood determination search for a fee of $15.00 I use a service for this which has accurate results which are fully insured.
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Fairfield is about 20 minutes from NYC. It is a very nice town, although there are some areas that flood. School statistics are available online, however most schools will not discuss what they have to offer unless you are already a resident of the town because the school districts don't want people shopping for the best school districts to move into.
I would ask parents of kids in each school district to get the pros & cons. I have noticed that some schools focus more on academics and some schools focus on sports, so that's one thing you might want to ask about.
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You may be thinking of insurance that is paid as part of your mortgage payment. Mortgage companies may set up an escrow account that you pay as part of your mortgage payment and they forward the insurance money to the insurance company. It is still your insurance policy even though the mortgage company sends the check.
Sometimes when homeowners let thier policies lapse the mortgage company will get a policy that is called "forced place insurance". Those polices are obtained by the mortgage company to protect thier interest in the house but you still pay for it. They will increase your mortgage payments to offset the cost. Remember, forced place insurance only protects the banks interest even if you are the one paying for it. It is always better and almost always less expensive to shop around and purchase your own policy. You get way better coverage for a lot less.
If you stop making payments, neither the mortgage company or servicer gets paid. The exception in most cases is the lender will continue to pay the property taxes and hazard insurance on the property if you fail to keep coverage.... more
I have found http://www.FreeFlood.net to be very accurate for a quick flood check. Although, you should always have a flood certification done before purchase.
There are different types of flood zones depending one how likely they are to flood and how much water they will get. However, a flood "zone X" does not require flood insurance because it has not flooded in at least 100 to 500 years, or maybe ever; it is just on the out-skirts of the actual flooding areas.
Best of Luck!
You have to make sure that they have DEP approvals to build. The property is in the flood zone and you cannot build the house with a baseme nt. It has to be built with either a crawl space or a slab. Also, when they get approvals from the DEP usually they gave the state plans for a particular house. If so, you can only build that house on that lot. With the approval you need to check to see if "fill credits" are included in the purchase price. This is an extra charge for fill (soil) that has to be purchased from a specific supplier.