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Reserve studies in Bergen County

Bergen County mixes high-rise condos along the Palisades with garden-style condos and townhouse HOAs further west. Every one of those associations needs a reserve study; only the concrete, masonry and steel buildings add the structural inspection.

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978,641

residents in July 2024 made Bergen the most populous county in New Jersey.Source: Census Bureau estimates via NJ Department of Labor

Towers on the cliffs

Fort Lee, Edgewater and Cliffside Park have many condo and co-op towers built from the 1960s onward. Most passed the 15-year mark long before 2024, so their first structural inspection fell due by January 8, 2026. If yours has not had one, put it at the top of the board agenda.

Garden condos and townhouses

Further inland, much of the condo stock is wood-frame garden apartments and townhouse communities. They usually fall outside the inspection rules but still need a study at least every five years, with roofs, siding, paving and drainage at the center of the component list.

Check the $25,000 line carefully

Small Bergen associations sometimes assume they are exempt. The exemption only applies under $25,000 in common area capital assets, which a shared roof or private road can pass on its own.

Legal points summarize P.L.2023, c.214 as amended by P.L.2025, c.132; see the law in questions for sources. Not legal advice.

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Three short screens. The ZIP code and the kind of building first, then how to reach you, then a few taps about the association.

This site does not prepare studies itself. Our job is to find one firm active near your association, name it to you, and forward your details only with your go-ahead.

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Where is the association, and what is it?

What kind of building?

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