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A single-story home with a covered porch behind trimmed hedges, fading into a fine-line drawing of a clubhouse with a cupola, a gazebo and a path leading to the door

New Jersey Age-Restricted Adult Communities

Every age-restricted community across Monmouth and Ocean County on one map, and the help that matters when you buy or sell in one: the association documents, the age rules, the co-op approvals and the timing.

Areas We Serve

MonmouthOceanMiddlesexBurlingtonMercerSomersetCamdenGloucesterBergenEssex counties, New Jersey

See where we work

55+ And 62+ Communities

The Home, The Rules, The Clubhouse

A home in an age-restricted community is still a house, a condo or a co-op, with a roof, a furnace and a closing date. What's different is everything around it: an association with its own documents, an age rule the community has to verify, a monthly fee that covers some things and not others, and, in some communities, a co-op board that approves the buyer and doesn't allow a mortgage.

I'm Dennis Mark Interdonato, REALTOR® with Keller Williams Realty Ocean Living, and a former New Jersey home builder and residential remodeler. When you buy or sell in one of these communities, I get the documents and the rules in front of you early, read the house the way a builder does, and price it against that community's own sales. By the time we're done, you're not going to have any questions left.

Start with the map below. Pick a community to see its homes, clubhouse and amenities.

Preview only. 129 communities with their own page, and 4 listed by name as “to confirm” because only one listing site says they are age-restricted. Each of those needs a second, independent source before it gets a page.

Find A Community On The Map

Every adult community on the map. Pick a pin, or a town, to see its homes, amenities and fees.

Tap a red pin to open a community. Tap a shaded town to jump to its list. Town lines: U.S. Census Bureau.

Adult Communities By Town

Barnegat Township

Belmar

Berkeley Township

Brick Township

Brielle

Eatontown

Freehold Township

Hazlet Township

Holmdel Township

Howell Township

Jackson Township

Lacey Township

Lakewood Township

Little Egg Harbor Township

Little Silver

Long Branch

Manalapan Township

Manasquan

Manchester Township

Marlboro Township

Middletown Township

Neptune Township

Ocean Township (Waretown)

Ocean Township (Monmouth County)

Oceanport

Plumsted Township

Red Bank

Shrewsbury Borough

Spring Lake Borough

Stafford Township

Tinton Falls

Toms River Township

Union Beach

Wall Township

West Long Branch

Adult Communities Being Confirmed

We are confirming each of these with a second, independent source before it gets its own page. Ask Dennis Mark about homes, fees and availability in any of them.

Howell Township

Ocean Township (Monmouth County)

Upper Freehold Township

More Adult Communities

We work in these communities too. Ask Dennis Mark about homes, fees and availability in any of them.

Berkeley Township

Brick Township

Manchester Township

Marlboro Township

Age rules, fees and amenities change. Confirm details with each community’s association before you buy.

Talk to Dennis Mark About an Adult Community

Buying Or Selling In An Adult Community

Builder's Eye

A Builder's Read

I built and remodeled New Jersey homes before I sold them. Many of these communities were built decades ago, so I look at the roof, the mechanicals, the windows and any sunroom or patio enclosure, and whether that work had permits and the association's approval.

Documents First

Rules Before The Offer

The age policy, the budget, the rules and the reserve study come before an offer, not at the closing table. You know what the fee covers, what stays yours, and what the board has to approve.

Two Game Plans

Sell And Buy In Order

Buying in one of these communities often starts with selling the home you've had for years. You get two written game plans before you list, one for each order, so the decision is made before the offers arrive.

Pricing

Priced Against The Community

A home here is priced against its own community's sales: the same and similar models, closed in the past year, plus what's active and pending now. Then we launch it right, because the first two weeks on the market set the price.

Fair Housing

Marketing By The Rules

The listing describes the home: the model, the updates, what the fee covers and the clubhouse. It states the age rule the way the community's own documents do, and it never describes who lives there.

Network

I Got A Guy For Everything

Clean-outs, the trades for last-minute repairs, staging, photography and movers. What doesn't fit in the next home has to go somewhere, and I line up the people to handle it.

A hand holding a set of house keys on a small house-shaped key ring in a bright entryway

Who Can Buy, Who Can Live There

The Age Rule Is About Who Lives There

In New Jersey, the age rule in a 55+ community limits who occupies a home, not who owns it. In 2024 the Appellate Division upheld a ruling that struck down a township ordinance requiring owners in certain communities to be 55 or older, holding that federal and state law speak only to occupancy (New Jersey Realtors v. Township of Berkeley).

So the buyer doesn't have to be the one who lives there. What every buyer does at a resale is sign the state's one-page certification that the home will be occupied by someone who meets the age rule, and it's recorded with the deed.

Whether someone under 55 can live in the home is a separate question, and each community's documents answer it. Co-ops add their own application and board approval, so their documents get read first.

General information, not legal advice. Sources: New Jersey Realtors v. Township of Berkeley, App. Div. A-1384-22 (2024); N.J.S.A. 45:22A-46.2 and 46:15-6.2. Checked October 2026. Your attorney reviews the documents for your purchase.

Experience

Built Homes Before Selling Them

Before I sold homes, I built and remodeled them in New Jersey. That's the eye I bring to an older home in an adult community: which updates a buyer will pay for, which ones they won't, and which repairs belong to the association instead of you.

In 2025 I ranked in the top 1% of agents in New Jersey and in my Keller Williams region, according to Keller Williams, and in the top 1.5% in the U.S., according to RealTrends. I was the Number 1 agent at KW Ocean Living, and I've earned the NJ REALTORS® Circle of Excellence every year from 2022 through 2025.

One sale, for the numbers: a home in Howell with an accepted offer in the first seven days and six offers over asking. The rule is the same in every community: the first two weeks on the market set the price.

The Paperwork Association Documents

Every sale in an association comes with its own paperwork: the resale or disclosure package, the rules, the budget, and a certificate of any unpaid assessments, often called an estoppel letter. In a condo or planned development, New Jersey law gives an owner or a buyer the right to that certificate within 10 days of asking, and a buyer who relies on it is liable only for what it shows (P.L.2019, c.68).

Some communities also charge a capital contribution or a transfer fee when a home changes hands. And if the board funds its reserves at 85% of its plan, the seller has to hand the buyer the latest notice before the contract is signed. I ask the management office for all of it early, so the attorneys aren't waiting on it in the last week.

Your Next Home Starts With This One

If you own a home now, the budget for the next one starts with what this one sells for. So that's where we start: a real market evaluation, then two plans, sell as-is or make a few strategic updates first, with what each one should bring.

A couple in Beachwood chose the updates. They spent under $15,000 on updates I picked and supervised, and the sale brought $75,000 more in total. That's one sale, and every home is different, which is why you see both plans for yours.

Moving to a smaller home? The downsizing page covers selling and buying as one move.

Photo: Dennis Mark Interdonato

Adult Community Questions

What people search for most about New Jersey's age-restricted communities, answered plainly. Legal, tax and lending questions belong with your attorney, tax professional and lender.

What is a 55+ community in New Jersey?

It's a community that qualifies for the federal Fair Housing Act's exemption for housing for older persons, under the standards of the Housing for Older Persons Act of 1995. At least 80% of its occupied homes must have at least one occupant 55 or older, and it has to publish and follow policies that show it operates as 55+ housing (24 CFR 100.305 and 100.306). The homes themselves can be single-family houses, condos or co-ops.

What is the 80/20 rule in a 55+ community?

At least 80% of the occupied homes must have at least one occupant 55 or older. The community's own policy decides what happens in the remaining homes. Some never allow a home without an occupant 55 or older; others allow it within the 20%.

What's the difference between a 55+ and a 62+ community?

A 55+ community needs one occupant 55 or older in at least 80% of its occupied homes. A 62+ community must be occupied only by people 62 or older, with narrow exceptions (24 CFR 100.303).

Do you have to be 55 to buy in a 55+ community in New Jersey?

No. In 2024 the Appellate Division held that the age rules limit who occupies a home, not who owns it. At a resale, the buyer signs a certification that the home will be occupied by a person who meets the age rule, and it's recorded with the deed (N.J.S.A. 45:22A-46.2). Co-ops have their own application and board approval, so have your attorney read those documents before you rely on the ruling for a co-op purchase.

Can someone under 55 live in a 55+ community?

Only if the community's documents allow it. Federal rules leave the homes outside the 80% to each community's own policy, so the documents and the board's written answer are the only reliable source. Ask for them before you sign.

Can you get a mortgage in a 55+ community?

Yes. An age restriction by itself doesn't stop a mortgage: Fannie Mae treats age-restricted projects as eligible unless they require a lifetime care contract (Selling Guide B4-2.1-03). The ownership type decides the rest: a condo has to pass the loan program's project rules, and a co-op needs a lender that makes share loans and a co-op that allows them. Some co-ops around Whiting are cash only.

What does the monthly fee cover in a 55+ community?

Whatever the community's documents make the association responsible for, and that varies a lot. It can be as little as the clubhouse and grounds, or as much as the lawn, snow, trash, bus service and roof replacement; in some co-ops it includes property taxes, water and sewer. Fees change with every budget, so ask the association, or ask me, for the current figure.

What is an estoppel letter in New Jersey?

It's the common name for the association's certificate of any unpaid assessments on a home. In condominiums and planned developments, an owner or a buyer can require one, and the association has to provide it within 10 days of the request (P.L.2019, c.68). Co-ops work under their own documents, so ask the co-op what it issues for a sale.

What paperwork do I need to sell a home in a 55+ community?

Everything a normal New Jersey sale needs, plus the association's resale documents and balance, any buyer application, the latest reserve-funding notice if there is one, and the buyer's age certification, which is recorded with the deed. I ask the management office for the list before the home goes on the market.

Can I back out of a new construction contract in a NJ 55+ community?

For a development registered under New Jersey's Planned Real Estate Development Full Disclosure Act, you can cancel without cause by written notice by midnight of the seventh calendar day after you sign, and your deposit is refunded in full (N.J.S.A. 45:22A-26). The contract has to say so above your signature.

Do co-op owners get New Jersey property tax relief?

They can. The NJ Division of Taxation says a resident shareholder of a cooperative housing complex who paid property taxes on the unit is considered a homeowner for ANCHOR, if the other requirements are met (NJ Division of Taxation). Keep the co-op's statement showing your share of the taxes, and confirm your own eligibility with the Division.

Which adult communities do you cover?

Every community on the map above, across Monmouth and Ocean County, for buyers and sellers. If you're looking at a community that isn't listed, ask me about it.

This page describes my general approach to buying and selling homes in age-restricted communities. It is not legal, tax or lending advice. Please speak with your attorney, lender or tax professional about your own situation, and confirm age rules, fees and amenities with each community's association before you buy.

Sources, checked October 2026: the Housing for Older Persons Act (42 U.S.C. 3607(b)) and HUD's rules at 24 CFR Part 100, Subpart E; New Jersey Realtors v. Township of Berkeley (App. Div. 2024); N.J.S.A. 45:22A-26, 45:22A-44.3 and 45:22A-46.2, and N.J.S.A. 46:15-6.2; P.L.2019, c.68; the NJ Department of Community Affairs; the NJ Division of Taxation; and Fannie Mae's Selling Guide. Details about a named community come from that community's own documents and site. Rankings: Keller Williams (New Jersey and Keller Williams region, 2025) and RealTrends (U.S., 2025). The photos on this page are licensed stock images, not photos of any community listed here.

Insider Insights

Buying, selling and living by the rules in New Jersey’s adult communities, for Monmouth and Ocean County.

Success Stories

Real stories from the people we've helped buy and sell their homes.

I would 10/10 recommend him to anyone!!!

Dennis helped us buy our current house and has both professional work ethic and is extrememly knowledgeable. He was always there to answer any questions we had and was very patient with us in the process. I would 10/10 recommend him to anyone and he will continue to be our agent for any future needs.

SPENCER & SARAH RAITT-FOREST

57 Google reviews as of October 2026. Read them all on Dennis Mark’s Google Business Profile.

Start With The Number

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Have Questions About Adult Communities? Contact Us Below

Tell me which communities you're looking at, or about the home you're selling, and I'll answer your questions. Want to read more first? See the Adult Communities Guide, how I sell homes, or how I help buyers.

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