As used in this chapter, the following terms shall have the meanings indicated:
Consistent with Section 3 of P.L. 2008, c. 86, a state-chartered bank, savings and loan association or any credit union, any person required to be licensed under the provisions of the New Jersey Residential Mortgage Lending Act,[1] and any entity acting on behalf of the Creditor named in the debt obligation, including, but not limited to, servicers.
[Added 11-21-2016 by Ord. No. 22-2016]
The title holder, any agent of the title holder having authority to act with respect to a vacant property, and foreclosing entity subject to the provisions of N.J.S.A. 46:10B-51 (P.L. 2008, c.127, Sec. 17) or any other entity determined by the Township of Westampton to have authority to act with respect to the property.
Any building used or to be used as a residence or business which is not legally occupied or at which substantially all lawful construction or business operations or residential occupancy has ceased, and which is in such condition that it cannot legally be reoccupied without repair or rehabilitation and at least two of the following conditions exist:
Overgrown or neglected vegetation, including, but not limited to, brush, weeds, dead or dying trees;
Infestation of insects, vermin, rats, or other pests;
The accumulation of newspapers, circulars, flyers, or mail on the property;
Disconnected gas, electric, or water utility services to the property;
The accumulation of hazardous, noxious, or unhealthy substances or materials on the property;
The accumulation of junk, letters, trash, or debris on the property;
The absence of window treatments such as blinds, curtains, or shutters;
The absence of furnishings and personal items;
Statements by neighbors, delivery persons, or government employees indicating that the residence is vacant and abandoned;
Windows or entrances to the property that are boarded up or closed off, or multiple windowpanes that are damaged, broken, and unrepaired;
Doors to the property that are smashed through, broken off, unhinged, or continually unlocked;
A risk to the health, safety, or welfare of the public or any adjoining or adjacent property owners, that exists due to acts of vandalism, loitering, criminal conduct, or the physical destruction or deterioration of the property;
An uncorrected violation of a municipal building, housing, or similar code during the preceding year, or any order by municipal authorities declaring the property to be unfit for occupancy and to remain vacant and unoccupied;
The mortgagee or other authorized party has secured or winterized the property due to the property being deemed vacant and unprotected or in danger of freezing;
A written statement issued by a mortgagor expressing the clear intent of all mortgagors to abandon the property; or
Any other reasonable indicia of abandonment.
[1]
Editor's Note: See N.J.S.A. 17:11C-51 et seq.