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Welcome to Crestwood
Village Four Co-Op

A Thriving 55+ Community in Whiting, NJ

Crestwood Village Four is a welcoming and affordable 55+ co-op community nestled in the heart of Whiting, NJ. Whether you’re looking to downsize, enjoy maintenance-free living, or become part of a vibrant and friendly neighborhood, Crestwood Village Four offers the perfect balance of comfort, convenience and affordability.

Resident Alerts:

INFORMATION REGARDING THE UPCOMING ELECTION:

1.) ALLOCATION OF VOTING RIGHTS: THE “ONE VOTE PER UNIT” RULE IS MANDATORY AND EXCLUSIVE:

 The restriction of one vote per unit is mandatory, legally sound, and required under New Jersey law:

  • The Cooperative By-Laws: Article IV, Section 8 explicitly states: “Each certificate holder, either in person or by proxy, shall have the right to cast one (1) vote. If a certificate is registered in more than one (1) name, the persons named thereon shall have only one (1) vote between them.”
  • The Planned Real Estate Development Full Disclosure Act (“PREDFDA” / “Radburn Act”): Under N.J.S.A. 45:22A-45.2(c)(9), New Jersey law expressly codifies a strict statutory limitation:

“An association shall not provide for an allocation of votes other than one vote for each unit, or such larger number of equal votes per unit as may be provided in the governing documents…”

  • New Jersey Nonprofit Corporation Act: Under N.J.S.A. 15A:5-10 and N.J.S.A. 15A:5-16 (“Memberships held jointly or as tenants in common”), joint owners are treated as a collective single membership interest and do not possess independent, duplicative voting rights.

Permitting multiple certificate holders of a single cooperative unit to cast separate ballots would directly violate N.J.S.A. 45:22A-45.2(c)(9) by unlawfully weighting and multiplying that unit’s vote over single-owner units. The Cooperative’s Absentee Ballot Instruction providing that “only one ballot may be submitted for each eligible unit or household, not per member” is legally correct and strictly mandatory.

2.)FINANCIAL DELINQUENCY AND VOTER ELIGIBILITY:

Delinquent certificate holders possess no inherent or automatic right to vote under either the By-Laws or New Jersey statutes:

  • The Cooperative By-Laws: Article IV, Section 8 provides without qualification: “No member shall be eligible to vote if the book or management account of the Co-Op indicates such member to be more than thirty (30) days delinquent in payment to the Co-Op.”
  • PREDFDA (“Good Standing” Requirement): Pursuant to N.J.S.A. 45:22A-43 and N.J.S.A. 45:22A-45.2(a), membership voting rights in board elections are expressly limited to members in “good standing.”
  • Department of Community Affairs (DCA) Regulations: N.J.A.C. 5:26-8.8(c) explicitly defines “good standing” as being current in the payment of common assessments/carrying charges, or in compliance with an active payment plan, court judgment, or pending Alternative Dispute Resolution (ADR) proceeding.

The Cooperative’s governing documents and New Jersey statutory law strictly align: a certificate holder delinquent in their carrying charges is disqualified from voting.

3.) Additionally:

  • Binding Contractual Status: Under settled New Jersey jurisprudence, the certificate of incorporation and by-laws of a residential cooperative constitute a binding contract between the corporation and its members (Highland Lakes Country Club & Cmty. Ass’n v. Franzner, 186 N.J. 99, 111 (2006); Papalexiou v. Tower West Condominium, 167 N.J. Super. 516, 527 (Ch. Div. 1979)).
  • Harmonious and Integrated Interpretation: New Jersey law mandates that governing documents must be construed as an integrated whole, giving sensible effect to every clause while ensuring no provision is rendered superfluous or meaningless (Cumberland Farms, Inc. v. N.J. Tpk. Auth., 365 N.J. Super. 238, 252 (App. Div. 2003); Roach v. BM Mot. Lodge Assocs., 84 N.J. 507, 514 (1980)).

Article V, Section 2 directs that Trustees “shall be elected by the membership at a regularly scheduled election”. Article V does not define who constitutes an eligible voting member, nor does it define joint ownership voting rights or general qualifications. Those fundamental definitions are established corporately in Article IV, Section 8. Article V merely supplies election-specific mechanics (such as the number of vacancies, secret balloting, and candidate resumes). Isolating Article IV, Section 8 strictly to floor votes taken during open meetings violates the structural unity of the By-Laws and would render the Cooperative powerless to verify voter qualifications during an election.

4.) The Cooperative’s double-envelope system is lawful, necessary, and designed to preserve the integrity of the vote:

  • Secrecy Mandate: By-Law Article V, Section 2 requires that “Voting shall be by secret ballot.”
  • Administrative Rules: DCA regulations mandate that associations verify the eligibility of each voter (N.J.A.C. 5:26-8.9(h)(1)) while strictly ensuring that “all ballots shall be cast in an anonymous manner” (N.J.A.C. 5:26-8.9(h)(3)).
  • Judicial Endorsement: In CAI-NJ v. DCA, Docket No. A-2241-21 (App. Div. Feb. 23, 2024), the New Jersey Appellate Division affirmed the Department of Community Affairs’ election regulations, recognizing the double-envelope procedure (outer certification envelope/card to verify eligibility; inner blank secrecy envelope to hold the ballot) as the standard, approved mechanism to satisfy both voter verification and absolute ballot anonymity.

 

A MESSAGE FROM THE GENERAL LANDSCAPING:

Leaf cleanup will begin Monday, November 9, 2026, weather permitting.

Our leaf cleanup service includes removing leaves from lawns and foundation planting beds, moving leaves to curb, and vacuuming them from the street for disposal.

IMPORTANT REMINDER: 

General Landscaping will not be responsible for damage to lawn ornaments, holiday decorations, solar lights, gazing globes, or other personal items left in the work areas.

Please removed these items from your lawn and landscape beds before our crews arrive to help prevent accidental damage and allow us to perform a thorough cleanup.

Thank you for your cooperation!

GENERAL LANDSCAPING, INC.

General Landscaping – leaf cleanup_20261026132810

 

 

 

 

 

HOPA Forms 2026 – October 28, 2026 Deadline

This is a reminder to all residents that the deadline to submit the HOPA forms is OCTOBER 28, 2026.
These surveys are mandatory under the The Housing for Older People Act* (HOPA) which was signed into law by President Bill Clinton on December 28, 1995, following approval by the Senate and House of Representatives  (Public Law  104-76). This federal legislation was designed to protect residents of 55+ communities, ensuring those communities are exempt from the Fair Housing Act** (42 U.S.C. § 3601 et seq.) which allows people of any age to purchase property within a planned retirement residential common interest community. This federal law requires communities (including co-ops) to verify that at least 80% of their occupied units contain at least one person aged 55 or older and which explicitly orders housing providers to develop reliable procedures for verifying the ages of occupants through surveys or forms at least once every two years.   However, if the number of persons age 55+ in a given community falls below the 80% threshold, the community could lose its age-restricted status (and loss of such status would be permanent).
Furthermore, New Jersey State Regulation: N.J.A.C. Title 13, Chapter 15 coordinates its anti-discrimination and housing policies with federal law through the New Jersey Law Against Discrimination (NJ LAD). To clarify how age-restricted communities must operate under state law, the New Jersey Division on Civil Rights established clear and precises rules under the New Jersey Administrative Code (N.J.A.C. § 13:15-1.1 et seq.) entitled Housing for Older Persons.
  • New Jersey rules depend heavily on these regular verification surveys to protect the community from civil rights lawsuits regarding housing discrimination.
 
Why the Form is “Mandatory” even for Co-op Residents

The federal and state statutes do not print a standardized “Government HOPA Form”; rather, they mandate that the Co-op Association collect the age data.

Remember, federal and state statutes always prevail.

What does this mean for Crestwood Village Four?
Without HOPA, for those who bought homes here in CV4 with intentions of enjoying your retirement among peers, losing our 55+ status could change everything that you enjoy socially and economically.
If you haven’t turned one in yet, you can obtain one from the main office or from the website under the FORMS tab or attached here.  If you are unsure if you filled out the form, call the office or email – reception@crestwoodvillagefour.com to confirm.

Thank you for your anticipated cooperation.

HOPA – 2026 Age Verification Survey Form – FILLABLE

Bus Schedule

Bus Schedule

Stay mobile with our free community bus service! Check out the latest schedule and routes to nearby shopping centers, healthcare facilities and other key destinations. Ocean Ride available in addition to community bus.

Events

Events

Get involved with our vibrant community events! From social gatherings to holiday celebrations, find out what’s happening next in Crestwood Village Four.

Work Order Requests

Work Order Requests

Need maintenance assistance? Submit a work order request easily through our Work Order form. Our team is here to ensure your home remains in top condition.

Resident Portal & Online Payments

Resident Portal & Online Payments

Manage your co-op payments and access community resources through our secure Portal. Pay online with ease and stay connected.

Buying & Selling a Home in Crestwood Village Four Co-op

Buying & Selling a Home in Crestwood Village Four Co-op?

We make the process simple and stress-free. Learn more about our co-op ownership process and resale guidelines by visiting our guide.

Get to Know Us. Board Members and Office Staff

Get to Know Us. Board Members and Office Staff.

Meet the dedicated team that helps manage Crestwood Village Four. Our board members and office staff are here to assist residents and ensure our community runs smoothly.

Why Choose Crestwood Village Four?

✅ Affordable, well-maintained homes in a peaceful setting
✅ Convenient access to shopping, healthcare and major highways
✅ Active community with social events, clubs and recreational opportunities
✅ Hassle-free co-op living with maintenance services included
✅ Located in beautiful Ocean County, close to the Jersey Shore, Pine Barrens, Atlantic City and Philadelphia
Why Choose Crestwood Village Four?

A Lifestyle You’ll Love

At Crestwood Village Four, there’s always something happening! Residents enjoy a variety of activities, including:
  • Social clubs and community events
  • Game nights, fitness classes and hobby groups
  • Beautiful outdoor spaces for walking and relaxation
Join a community where neighbors become friends and every day brings new opportunities to enjoy life!
A Lifestyle You’ll Love
Explore the Area

Explore the Area

Conveniently located in Ocean County, Crestwood Village Four offers easy access to:

  • Healthcare facilities and medical centers
  • Shopping, dining and entertainment
  • Parks, golf courses and the Jersey Shore
  • Public transportation and major roadways for easy travel

Explore Our Home Models

Discover the variety of home models available at Crestwood Village Four.
Browse through our selection to find the perfect fit for your lifestyle and click to view floor plan.

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