Are all condos on LBI in large buildings?

Not at all. Many condos on Long Beach Island are actually side-by-side or freestanding homes that simply share a lot. These setups may look like townhomes or single-family houses but are legally classified as condominiums due to the shared land ownership.

What’s the difference between a freestanding condo and a single-family home?

Even though a freestanding condo looks like a detached house, it shares a lot with at least one other property and is part of a condominium structure. This means ownership is limited to the defined unit itself, and certain responsibilities—like insurance or exterior maintenance—might be shared with the neighboring property.

Do these types of condos have HOA fees?

Sometimes. Many 2-unit condo setups on LBI don’t have a formal homeowners association or monthly fee. Instead, owners typically share expenses like liability insurance or exterior maintenance as needed. However, in more traditional condo complexes, you may see regular HOA dues that cover things like landscaping, flood insurance, liability insurance, or common utilities.

Will I need special insurance for a condo?

Yes. Most condo owners on LBI carry their own interior (or “walls-in”) insurance policy, while shared structures—like a roof or siding—are often covered under a joint liability policy with the other unit owner(s). In some cases, flood insurance may also be shared, especially in side-by-side units.

Can I finance a condo just like a house?

In many cases, yes—but financing a condo can come with additional steps. Lenders may request condo documents, a review of the association’s financials (if applicable), or information on how many units are owner-occupied. Freestanding and side-by-side condos sometimes avoid these hurdles, but it depends on the lender.

Can I make changes to the exterior of my condo?

It depends on the condo’s governing documents. In many multi-unit setups, any exterior changes—like paint colors, decks, or additions—need agreement from the other owner(s) since the exterior is usually considered a shared element.

What’s a “limited common element”?

That’s a shared area—like a driveway, yard, or deck—that’s assigned for the exclusive use of one unit but still legally part of the condo’s common property. You don’t own it outright, but you have the right to use it.

Is it harder to resell a condo than a single-family home?

Not necessarily. Many buyers on LBI look specifically for low-maintenance, condo-style living—especially in walkable areas like Beach Haven. What matters most is location, condition, and how the shared responsibilities are structured.

Can I rent out a condo on Long Beach Island?

That depends on the rules set by the condo’s governing documents or association. Some allow short-term or seasonal rentals with minimal restrictions, while others may limit or prohibit them altogether. It’s important to review the condo bylaws or speak with the association before purchasing if you plan to rent.

Are pets allowed in LBI condos?

It varies. Some condo associations have pet restrictions—such as limits on size, breed, or number of pets—while others are more flexible or leave it entirely up to the unit owner. Always check the association rules before assuming pets are permitted.

Who takes care of exterior maintenance and repairs?

In a traditional condo complex, the association usually handles exterior maintenance. In a two-unit setup (like a side-by-side or freestanding condo), responsibilities are typically shared between the owners, and handled jointly as needed. This includes things like roofing, siding, and sometimes landscaping or driveways.