The Fortifying Financial Nature of Home Ownership in Nutley NJ

Home ownership in Nutley can be one of the most meaningful aspects of any person’s life. With a house and plot of land to call home, a family can feel secure, safe and comfortable. After a long day at work, a man or woman can relax in the solitude and quietness of their very own home. While those are all great perks of home ownership, when it comes time to pursue a loan of any kind, home ownership can show off one of its most valuable traits.

Applying for a loan is much like applying for a job. After looking through the various types of positions available, you submit a resume and hope to get the call to come in for an interview. Your credit report functions much the same for a loan application as a resume does for a job application. A lender can see your financial history, current condition and forecast from there a level of risk.

Just as a great reference can make your resume sparkle in the eyes of a potential employer, so too can home ownership make your financial history jump off the page for a potential lender. Home ownership implies a steady stream of income, financial stability, the intention to plant roots and most importantly, the ability to repay a sizable financial commitment. Naturally, missed mortgage payments can undo all of that benefit, so only a strong mortgage history will help you.

When a home owner investigates taking out a loan, most will go straight for home equity loans that borrow against the equity built up in the home, and rightfully so. A home equity loan can be a great financial solution for those that need additional funds and provides a host of benefits, all of which are accessible because of the benefits of home ownership.

Home equity loans, because they have the backing of a home, are available at lower interest rates and in greater amounts than unsecured loans that have no backing. Obviously, if you do not own a home, you are not eligible for a home equity loan, something that can be a vital financial tool used to keep a family afloat or pursue a new business or other dream.

Of course, not everyone is thrilled with putting their home in jeopardy when pursuing a loan and unsecured loans fill that void. Contrary as it may seem, home ownership can be a great benefit in that circumstance as well. While you may not see the low interest rates and favorable terms possible through a home equity loan, the rates and terms for an unsecured loan can be improved greatly through home ownership.

As a lender examines a particular person’s ability to repay an unsecured loan, a variety of traits are taken into account. For someone pursuing an unsecured loan without the benefit of home ownership, rates will be higher, payments will be more expensive and the loan term may be shorter. These can be significant barriers and for many people, they can be a complete roadblock to a needed loan.

So, as you go through the process of searching for a home in Nutley NJ, it is of course true that you will be providing security for yourself and a foundation for your future. However, you will also be gaining a significant financial advantage should the need arise to take out a personal loan of any kind. These situations are often sudden and surprising, so having the kind of safety net home ownership can provide is a significant benefit and one that should not be neglected through your pursuit of a home or even during the choice to even purchase a home or not.

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    Home For Sale in Nutley | Nutley Real Estate | Coldwell Banker

    Home For Sale in Nutley | Nutley Real Estate | Coldwell Banker

    This Home Is A One Of A Kind! Backed To Booth Park PRIVACY ABOUNDS!

    Home For Sale in Nutley NJ

    3 Bedrooms, 2 Baths, Living Room, Dining Room, Private Yard, Deck So much more…Call 973-846-0065 For more info.

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      The Best Agent in Nutley? How To Find Out If They Are Truly The Best Agent in Town.

      Finding The Best Real Estate Agent in Nutley? Here Are Some Simple Steps To See If Your Really Dealing With A Top Agent?

      1) Meet agents out in their working environment, not in their offices. Good agents spend very little time at their desks.

      2)Make sure the agent has closed many properties and has worked a few years at least. The average real estate agent closes only 1 or 2 houses a year. More closings mean more experience.

      3)A great place to meet agents is at open houses. Don’t worry that you are not interested in that particular property. The agent knows that open houses rarely produce a buyer for that home and use the open house as a tool to find buyers.

      4)Make sure your agent is online. Having a web savvy agent is very important today as over 85% of all buyers initially see their homes online. Great agents have laptops and often have moved to mobile technology to assist. A real estate agent in today’s world must email, text, and be available to buyers and sellers alike. Also must understand Search Engine optimization and not have to many assistants

      5)Look for signs that the agent is busy. A hard-working, go-getter of an agent is good. Be careful, sometimes they are too busy. A real estate agent can only effectively work with about a half-dozen buyers and a dozen sellers at any given time to properly give the time needed to a buyer. If they pass you to an “assistant”, move to another agent that will give their time to you.

      6)See how the agent’s MLS listings come up in searches. When listing in todays market, all listings from small to big should have professional photos – this is the first sign of a professional real estate agent who understands todays market.

      7)Check the references that an agent should be able to provide you. Ask the other real estate agents you interview if they know the other agent and if they respect them as a real estate agent. If they start bad mouting another agent move on.

      8)Ask “Can you recommend service providers who can assist me in obtaining a mortgage, making repairs on my home, and other things I need done?” Keep in mind here that a real estate agent should generally recommend more than one provider and shouldn’t receive any compensation (ethical issues tend to arise when this happens).

      9)Ask Who the agent is working for in the transaction, the buyer or the seller (a real estate agent selling a house almost always works for the seller and tend to spin things a sellers way)

      10)Ask “How will you keep me informed about the progress of my transaction? How frequently?” Using what media? Again, this is not a question with a correct answer, but that one reflects your desires.

      11) Last but not least find out what your agent is doing from Friday to Sunday, if they are not working two of those days I would look for another agent.

      To get a home sold in Nutley, Belleville, Clifton or Bloomfield NJ Call Matt@ 973-846-0065

      http://www.HomesInNutleyNJ.com

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        Picking A Real Estate Attorney in Nutley-BETTER THAN THE YELLOW PAGES

        PICK THE RIGHT REAL ESTATE ATTORNEY IN NUTLEY NJ

        For many buyers and sellers, a real estate agent is all that is needed to get through the buying or selling real estate process. A real estate agent can provide valuable advice on the current state of the market, the best way to stage your home for sale or good areas to look at when investigating a home purchase. What a real estate agent cannot do, however, is provide legal advice and in some situations, such advice is critical to the real estate transaction process.

        A real estate attorney can be a great way to not only get that valuable legal advice but to protect yourself every step along the way as well. A real estate purchase or sale is a complicated transaction impacted by countless laws and regulations. With a piece of merchandise so expensive changing hands, issues are bound to crop up and sometimes a real estate attorney is the best way to deal with those issues.

        So, you’ve convinced yourself that you need a real estate attorney and value the piece of mind a real estate attorney brings enough to spend the money to retain one. The question now becomes where to find one and rather than simply pick the real estate attorney with the nicest ad in the yellow pages, there are some better sources you can use to select the real estate attorney that is right for you.

        Referrals Help Generate Leads
        While that tenet may be universally true for sales, it is also true for the search of a solid real estate attorney. Randomly picking a real estate attorney can lead to communication problems later fostered by the incompatibility between you and your real estate attorney. Instead, it can be more beneficial to seek out recommendations from friends and other acquaintances that have gone through a home purchase or sale.

        However, many people simply don’t know a friend that has gone through the process of hiring a real estate attorney and thus have no one to ask. For those people, the Bar Association in your area can be a great resource for generating a list of potential real estate attorneys that have a positive standing with the Bar. Additionally, there a number of different directories that keep contact information for competent attorneys and many have subsections designed specifically for real estate attorneys.

        Interviewing Sorts Out Competition
        The best way to land a great real estate attorney is to be exhaustive in your search process. While few of us have time to interview 10 or 15 different attorneys, we can all probably spare the time to interview a handful of potential candidates to ensure that the fit is right between attorney and client. Many attorneys will charge for personal meetings, so asking the right questions on the phone may have to do in most cases.

        Be sure to get all of the financial requirements up front from a prospective real estate attorney. Many will also have particular areas of expertise, so ask about them to make sure that the expertise relates to your particular situation. Also, asking some general questions about the process each real estate attorney usually goes through on a property can help you learn about the process while still filtering out attorneys.

        While not every real estate transaction requires a real estate attorney, the added expense of hiring one can make sense for customers that want some extra security for the transaction or that envision complications along the way. Your real estate agent is perhaps your primary resource as you pursue a home sale or purchase, but a real estate attorney can be a sound, legal, additional resource to deliver the best possible real estate selling or purchasing experience.

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              When To Call In The Inspection Professional

              When To Call In The Inspection Professional

              Though home inspections are often part of the home buying process that is not the only time you may look to the abilities of a professional inspector for your needs. When making large additions to your home or trying to put your home on the market with accurate information about the state of things like your roof or furnace, professional inspectors can also offer their services.

              Foundations, roofs, major appliances and other aspects of your home can be subjected to professional inspection to ensure that they are in the proper working order. While the professional is usually the best decision in most cases where legal issues come into play such as a home sale or purchase and permitting for new structures on your land, simply doing a first inspection yourself can sometimes save you the hassle of having multiple inspections.

              Things To Take A First Look At
              Your roof is something that you can usually take a look at and pinpoint areas that need to be improved. Do you have shingles that are damaged or out of place? Is there anywhere on the roof where you can see through the outside shell? These may seem like common sense issues to address, but they are the kind of common sense issues that a professional inspector would point out as well.

              You don’t need to wait for a professional inspector to tell you to fix a broken roof. Take the initiative and make an effort to get your home in good shape before the professional inspector is called. During a home selling process, this can leave you with fewer issues to discuss later as part of a contract negotiation.

              In addition to the roof, there is certainly something to be said for simply eyeing the exterior of your piece of real estate. If there are cracks in any of the outside walls, especially near the base, those will need to be looked at and probably repaired. Again, these are common sense tips but steps that can often be overlooked during the frenzy of buying or selling a home.

              The Professional Inspector’s Role
              When legal agreements start to come into play, such as during a home-buying process, a professional inspector is usually required to come out to the home and look over the property in its entirety. During any deal when you purchase a home that is already built, there will inevitably be some issues that come up during inspection and it is then up to your realtor to work out a deal to remedy those situations.

              On the minor side, these inspections can turn up things like small cracks in interior walls or wood working that needs to be tended to, but they can also turn up big problems such a shaky foundation or substandard furnace. Furnaces tend to be a hotspot (no pun intended) for inspection issues because most people don’t have the knowledge to accurately appraise a furnace on their own.

              No matter what kinds of issues an inspector turns up, they are all then fair game for the negotiating process and often times an agreement will be hammered out as to what the seller must repair or replace before a deal can be consummated. Real estate transactions are themselves a long negotiation and the home inspection is just one step on that process.

              So, as you get ready to sell your home or perhaps undertake a smaller endeavor like periodic repairs, know that you can save some time and effort by going through and looking at the key parts of your piece of real estate yourself and remedying situations before professional inspectors ever need to get involved. The periodic upkeep of your property will yield dividends later when the professional shows up and has nothing to report. A blank inspector clipboard is the positive result of strong personal inspections and upkeep.

              For More Information about buying a home in Nutley NJ call: Matthew DeFede of Coldwell Banker Residential Brokerage at 973-846-0065

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                Short Sale in Nutley, Belleville & Clifton Avoid Foreclosure

                Short Sell Your House – 7 Steps That Will Help Avoid Foreclosure

                 Step 1 – Get Educated

                You need to know your options when it comes to your home. If you want to keep your house, but can’t make the payments and you owe more than your home is worth, you may look into filing bankruptcy. This will stay the foreclosure process (not forever) and may allow you to stay in your home and repay your lender under different terms.

                Deed in Lieu

                If you owe more than the home is worth, this is not an option for you. Deed in Lieu means that you give up the house to the bank and walk away. Ie, you give up the deed instead of facing foreclosure.

                Short Sale

                If you owe more than your home is worth, and don’t want to declare bankruptcy or face foreclosure, then a short sale of your home is the best option. A short sale does have potential tax implications.

                Step 2 – Get Some Help

                This is probably the biggest tip I would give to people who want to sell their home in a short sale. FIND AN EXPERIENCED REAL ESTATE AGENT WHO HAS DONE A SHORT SALE BEFORE. Your real estate agent will be able to deal and negotiate with the mortgage company(ies) on your behalf. An experienced short sale agent will give you a much better chance of successfully short selling your home.

                Because there is often so many different entities involved in a mortgage (1st mortgage, 2nd mortgage, the investor on the loan, etc) you really don’t want to do this on your own, with no experience. Plus, you’ll never have any out of pocket expenses to pay an agent, as everything is essentially paid by the lender.

                WARNING! Just because an agent says they specialize in “short sales” does not mean they have actually successfully done one! There are many classes agents attend regarding short sales, but nothing compares to real world experience.

                Step 3 – Get Started Now

                The longer you wait to get started with the short sale process the less chance you have of success. Every state is different with their foreclosure process. You need to decide quickly to start the short sale process if you’re getting behind on your payments, or have already received a notice of default.

                Step 4 – Follow Instructions Exactly

                An experienced short sale agent will tell you what you need to do to get the house ready to sell. Don’t get too hung up about the price. If the agent wants to set a low price on the house, there is a reason behind that.

                In my own short sale, we priced the house pretty low and got an offer very quickly. You need a buyer that is willing to stick around for a super long closing or changes to the agreement. In my case, it took almost 4 months from when we got the offer to when the closing took place. Don’t get hung up about the price, all you should care about is getting the place sold.

                Step 5 – Know The Tax Implications

                Congress recently passed and the president signed a law that likely releases you from any tax implications of a short sale.

                Talk to a qualified tax attorney or CPA about this for your particular situation. Your real estate agent should know about this! A good agent will have a quality referral for you to handle the tax implications of your short sale.

                Step 6 – Prepare to move quickly

                Because your closing date may not be set in stone, you need to be prepared to leave your home quickly if needed. You do not want to end up like me and live in your office for 2 months! Trust me, it’s not fun!

                A minimalist lifestyle is nothing to be ashamed of; in fact it should be venerated. Your possessions are just inanimate things; it’s the relationships in your life that really matter. OK, enough life advice! Sell anything you don’t need or haven’t used in the last 6 months on craigslist! The less you have to deal with on moving day the better.

                Step 7 – Prepare yourself emotionally

                If you are already in default, or have a foreclosure pending, this whole scenario and process of trying to short sell your home can be very emotionally draining.

                You will receive solicitations from everyone and their mother. You may have people stop by your home while you are still there. It can be a very difficult process.

                Make sure you have people in your life to talk to about your situation. You will need a support network to help through this time in your life. It will pass. And you are being proactive in seeking a short sale of your home. You are taking the right steps, and in time, everything will work out. I can’t promise it will be easy, but you will make it!

                You Need An Experienced Short Sale Agent!

                Call Matthew DeFede- 973-846-0065

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                  Stay Ahead of the Curve: Proactive Selling in Nutley, Belleville & Clifton NJ

                  Stay Ahead of the Curve: Proactive Selling in Nutley, Belleville & Clifton NJ

                  As with anything else in life, becoming proactive in your pursuit of a particular goal will ultimately pay off. Everyone has heard the stories of men and women that took the reigns of their career and were able to rise through the ranks of their profession to a position of power. We’ve also all have the friend who hates his or her job, complains constantly, but does nothing to change the situation. Don’t be that person.

                  Getting proactive in your attempt to sell your home in Nutley NJ is perhaps the most rewarding, effective step you can take. While many sellers are more than happy to let their real estate agent take over and supply periodic updates on the situation, more and more, sellers are getting actively involved in the process to push a home sale along better than a real estate agent alone.

                  Know Your Home’s Weaknesses
                  Too many sellers in Nutley these days are relying on the home inspection as part of the real estate process to tell them what needs to be fixed with a property and what the buyer might take an issue with. Don’t wait for an inspector to go through your home and point out problems after you’ve already accepted an offer. You run the risk of being surprised and having to negotiate a potential problem with an unhappy prospective buyer.

                  Instead, take it upon yourself to fix what needs to be fixed and perhaps commission your own appraisal. Getting your furnace or roof certified can speak volumes to a buyer that will appreciate not having to wait for an inspection to be sure that they are buying a quality home. If your personal inspection does turn something up, fix it and trumpet your new furnace or roof in your marketing materials for the home.

                  You can even go so far as to get an estimate for a repair that might be necessary and supply it as part of the materials you give to an interested buyer. Often times, that buyer will appreciate the fact that you have disclosed the true condition of the property and are willing to solve the problem over the course of a real estate negotiation. Getting this kind of information out in the open will only foster a stronger relationship between buyer and seller.

                  Follow Up With Interested Buyers
                  Your teacher may have told you that the best information you can get from a test you’ve taken is an understanding of the questions you got wrong. The same is true for showing a home, an exercise in dressing up your home in an attempt to give an interested buyer in the best possible view of your real estate in Nutley. Not every showing leads to a contract offer, obviously, and understanding what each one did not might help you better market your property.

                  It can be very easy to chalk up a fruitless showing to a less-than-committed buyer, but going the extra mile and getting information on why the home wasn’t up to snuff will help you later. You can contact the real estate agent of the interested buyer directly to get your reason. Don’t be pushy and certainly don’t be rude. Simply state that you’d like to know if there are steps you can take to make the home more inviting to the next interested buyer that takes a showing.

                  These steps can easily be taken in conjunction with a real estate agent that will likely appreciate the role you want to take in the selling process. Selling your home is often a team effort between you and your realtor, so bring a proactive nature to that team can help sell your home faster. Be that proactive person instead of the sit-back-and-take-it seller that is so common.

                  If your thinking about selling your Home in Nutley New Jersey, Call Matthew DeFede of Coldwell Banker [facebook_ilike]

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                    The History of Nutley New Jersey

                    The Township of Nutley is located in the Northern quadrant of Essex County and enjoys a unique picturesque suburban existence in close proximity to New York City. It is conveniently located near the Garden State Parkway, New Jersey Turnpike, Route 3 and Route 21. Even with a population of approximately 27,000, this bedroom community enjoys a small town ambience throughout its quiet, well-maintained tree lined streets.

                    The parks in Nutley are considered the “crown jewel” of the Essex County park systems. The Township prides itself in maintaining a commendable level of conservation while safeguarding this pristine natural resource from impending and unnecessary sprawl. The latest surveys list the Township as maintaining over 10,000 trees and over 100 acres of recreational land. No home in Nutley is more than one half mile from a park or playground.

                    Since the arrival of Robert Treat in 1666, the character of the men and women who have lived in Nutley in the past 300 plus years has influenced our town. Our forefathers quarried the brownstone from the mines along the Passaic River to provide the raw materials for expansion of our great cities, and they toiled in the mills that lay along the Third River to manufacture the basic necessities of life. Living in the Enclosure area, they created the paintings and authored the writings that contributed to our appreciation of the arts, and in more recent times they have established homes and schools, and created neighborhoods that give Nutley the characteristics of a small town in a metropolitan environment.

                    Nutley has been recognized as a town blessed with residents who take an active role in maintaining and improving the quality of life here. Although we may think this is something unique to modern times, a history of Nutley written in 1925 as part of the history of Essex County states “seldom can one find so deep a public spirit, so complete a participation in public affairs, so unselfish an affection for a place, as is shown by its people.”

                    This spirit of volunteerism has been demonstrated by many of Nutley’s distinguished residents. In 1894, Annie Oakley and Henry Cuyler Bunner, a renowned author and editor of the famous Puck magazine, spearheaded a community effort to benefit the American Red Cross with a performance of the Nutley Amateur Circus (See 1894 The Illustrated American magazine article) . Held at Eaton Stone Circus headquarters on Kingsland Road, prominent residents volunteered as performers and roustabouts. Later, in 1917, Col. H. G. Prout, editor of the Railroad Gazette, became the first president of the Nutley Red Cross when it became affiliated with the American Red Cross.

                    In the early 1900’s, John Bouvier, a successful New York trial lawyer, took an active role in Nutley organizations by serving as president of the Nutley Board of Education, president of the Nutley Field Club, trustee of St. Mary’s RC Church, and others. This characteristic of volunteerism was reflected in the life of his granddaughter, Jacqueline Bouvier Kennedy, and is similarly shown today in the lives of many people living here. Whether those families have lived in Nutley for generations or for a few years, the civic involvement here in Nutley is infectious.

                    Nutley derived its name from the large estate of the Satterthwaite family, established in 1844, which stretched along the banks of the Passaic River. In 1902, the quaint town of Franklin, New Jersey, once the northeast corner of Newark, changed its name to Nutley when a growth in population prompted a change in the form of government from Township to Mayor/Council. Prior to this event, the geographical area now called Nutley had a colorful 236 years of recorded history.

                    Since no photographs and little actual recorded data that describe life in Nutley in its earliest days are available, our knowledge dating back to 1666 must be inferred from other resources. These include paintings, old maps, wills, estate inventories, and most important, contemporary photographs of historic buildings in Nutley that survived the ages and today stand as a living and vibrant part of Nutley’s heritage. The fact that so many historic buildings exist bodes well for the people of Nutley and those in local government positions, for it is the Township of Nutley that has acquired ownership of three historic sites: Kingsland Manor, Van Riper House, Church Street School ( Nutley Museum). In addition to these the Vreeland Homestead and 12 homes within the Enclosure Historic District are listed on the State and National Register of Historic Places and are maintained by local homeowners.

                    The Lenni Lenape Indian tribe first inhabited the wilderness that greeted Robert Treat and a group of Puritans form Connecticut in 1666. They deeded to the Puritans a land filled with wildlife: pristine rivers and lakes stocked with abundant fish.

                    As the Village of Newark developed, its inhabitants did not wander far from their settlement and the town grew slowly, with few men, known as planters, acquiring land as far north as the Third River where Nutley is located today. However, at this same time, the Dutch began to settle along the Passaic River just north of the Third River at Acquackanonck (now Passaic) and established farms, saw mills and gristmills. The earliest recorded presence of a Dutch planter in the Nutley area was recorded in the minutes of the Newark town meeting held March 5, 1693, which admitted Bastian Van Giesen. The Van Giesen home, which still stands today on Chestnut Street (The Women’s Club) exhibits the characteristic masonry of the Bergen County Dutch, while the façade and floor plan embody the influence of the English settlers of Essex County. This combination, extremely rare among the 219 stone houses in the area, highlights the use of transitional building features in a transitional geographical location.

                    In 1695, John Treat acquired land adjacent to VanGiesen, and in 1698 Thomas Stagg purchased another adjacent lot. These transactions signified the beginning of land development in Nutley in which people of different nationalities could live and work together.

                    Although it is not known when the first quarry was opened in the Nutley area, the existence of stone houses dating back to the early 1700’s gives credence that quarry operations had begun at that time. Located close to the Passaic River, which provided a mode of transportation for the stone, the quarries became the first major industry. Unfortunately, as the quarries were dug ever deeper, water seepage caused them to become uneconomical and they were abandoned in the early 1900’s.

                    A recently discovered map (drawn in 1792) of property along the Third River in an area now known as Memorial Park I, shows the beginning g of a small industry to meet the growing need of local inhabitants. It pictures a dam and pond; a home, gristmill, sawmill and a log yard operated by John and Thomas Speer. Mills located along the Third River became the second major industry in the mid 1800’s Joseph Kingsland operated a paper mill near Kingsland Road that produced a high grade safety paper used by banks throughout the world. Henry Duncan built mills at several locations, the largest being the Essex Mills located near Chestnut Street. Here he built his own home and helped to establish the quaint village of Franklinville. It consisted of about 30 small homes, a bakery, boarding house for bachelor workers, and the Franklin Hotel, later called Military Hall. Today only one of the original circa1850 mill structures exists, which has been adapted for use as our town hall. Workers spent 12 hours per day, six days a week eking out a living. In 1884, the lowering of tariffs against imported woolens destroyed the mill’s major business and ended this industry in Nutley.

                    In 1870, railroad service came to Nutley with three stations located within the town’s borders: Franklin Avenue station on High Street, Nutley station on Highfield Lane and Walnut Street station on Walnut Street.

                    With the advent of the railroad to towns surrounding New York, came a need for a true suburban home for commuters. William Lambert, president of the Nutley Realty and a noted architect and author of a book entitled Suburban Architecture, met this need. He is credited with giving Nutley much of its unique character. Lambert’s style, beauty, originality and reasonable cost met this need as exemplified by the 500+ homes he built in sections of town known as Prospect Heights, Nutley Park and Nutley Heights. Other structures included St. Paul’s Congregational Church, Nutley Post Office (now Starbucks) and High Street railroad station (now demolished). As the mills and quarries were phased out as the town’s major industries, these homes enabled Franklin/Nutley to become a haven for New York commuters, and a new spirit of camaraderie was born.

                    Another 19 th century land developer in Nutley was James Hay, who, in 1873, purchased the circa 1812 John Mason house located by Cotton Mill Pond, now known as the “Mudhole” in Memorial Park I. This house, which stands today, is of Federal design and is one of Nutley’s most architecturally significant buildings. It is now part of the Enclosure Historic District that was placed on the National Register of Historic Places in 1973.

                    Mr. Hay was instrumental in enticing scores of artists, authors and magazine editors to make the Enclosure and its environs their home.. Among the list of notables who lived in Nutley were painters Frank Fowler, Frederic Dorr Steele, Frederick Dana Marsh and his wife, Alice Randall, Albert Sterner, Arthur Hoeber, Earl Stetson-Crawford and his wife, Brenetta and Ferdinand Lungren; authors Frank Stockton, Henry C. Brunner, and editors of such prominent magazines as Puck, Century, Judge and The Railroad Gazette. Even the famous sharp shooter Annie Oakley took up residence in 1892 in a house on Grant Avenue (since demolished). In 1894, she and Henry C. Butler, the editor of Puck magazine, with many other town residents, volunteered their services to produce the Nutley Amateur Circus on the grounds of the Eaton Stone Circus Headquarters on Kingsland Road to benefit the American Red Cross. Special trains arrived from New York bringing in people to witness the event. (The spirit shown by these people lives on today as shown by the benevolent work of today’s residents).

                    Starting in the latter part of the 19 th century and continuing throughout the 20 th century, civic groups were organized to help enhance the quality of life for the residents of Franklin/Nutley. Some organizations were purely recreational and catered to the social elite, while others were conceived solely to solve social and economic problems of the day.

                    Typical of the latter was the Yanticaw Improvement Association, organized in the spring of 1892. It strove to interest property owners and tenants in beautifying their residences, including such mundane concerns as the disposition of garbage and debris. Apparently the objectives were met, for the Association gave out yearly monetary awards for the best kept grounds in the town, and garbage dumping became regulated at sites like the large dump on John Street. Also, several old barrack structures on Washington Avenue near Grant Avenue, which housed quarry workers were in such deplorable condition that 200 citizens of Franklin attacked the buildings with disinfectant solutions in March 1893. They later raised enough money to purchase the structures and apply the kindling torch. Such was the character of our forefathers and their concern in maintaining a high standard of living.

                    Together with the Nutley Civic Society, both organizations strongly opposed buggy racing on Washington Avenue, the nuisance created at the Masonic Hall by boys loafing around the corner of Franklin and High Streets, the number of saloon licenses issued, slot machines in candy stores and whiskey drops on sale to minors, to name just a few of the turn-of-the-century social concerns. Question: were they successful? Answer: do we still have these problems?

                    The first of another type of organization in pre 1902 Nutley concerned the welfare of residents was the Granite Council No. 51, Order of United Friends that held its meetings in Rusby Hall, located on the second floor of Rusby’s grocery store. Founded in 1882, it was the only lodge at the time for mutual benevolent purposes. Today we have numerous groups that car4ry on the work started over 100 years ago.

                    Social organizations started with the Franklin Archery Club organized in June 1878. With the advent of tennis, the club evolved into lawn tennis and eventually became the Nutley Field Club located between the railroad tracks and what is now Tennis Place. The clubhouse became the focal place for the social events among the rich and famous of the day. Among the presidents of the Nutley Field Club was John Bouvier, grandfather of Jacqueline Bouvier Kennedy, who commuted to New York via the Erie train and lived on Nutley Avenue in the estate named Woodcroft.

                    Other civic groups also dedicated to improving life in Franklin/Nutley have disappeared over the years, including the Nutley Association, Nutley Civic & Improvement Association, First Ward Association, North End Association, Men’s Civic Association and the Fortnightly Club, whose altered clubhouse still stands on Franklin Avenue.

                    As would be expected of a town with such a spirit of volunteerism, in 1894 an all volunteer fire department was organized. Named the Yantacaw Hose and Truck Co., it was housed in the west end of our present town hall. In 1895 the Avondale Company was formed and in 1898 its headquarters was built on Park Avenue in a building still standing today. In later years, the Nutley Sun wrote: “Manned by men who not only had a sense of civic duty, but also the adventurous spirits of firefighters, the companies have been centers of neighborhood activities since the beginning of the town’s history.” An example of such neighborliness has been demonstrated over the years by the long hours firemen spend repairing broken toys for several months before Christmas. Remembering the events of 9 -11-01, we salute and thank all of our police and firefighters for the humanitarian efforts shown each and every day.

                    With the end of the 19th century and the start of the 20th, came a time of change like to other in the history of man. No millennium change had caused as much stress and apprehension. Events had occurred and were occurring that would affect man socially and environmentally in profound ways.

                    In America, the 1890 census called the frontier closed: all of the lands explored claimed and settled. The death of Queen Victoria in 1901 was not only the end of a monarch but also an end to the era named for her. By 1911 the earth’s north and south poles would be reached. The end of the 19th century closed the first great chapter in American history.

                    Just six months before the township of Franklin, NJ changed its name to Nutley the world was shocked by the assassination of President William McKinley. He was succeeded by Teddy Roosevelt, a charismatic man with boundless energy and progressive politics. In the years prior to 1902, Nutley was a blue collar community whose major industries were stone quarries, woolen mills and paper manufacturing. With the advent of the railroad in the late 1860’s, the town became a town of commuters. The caliber of its residents created the need for independence from the more provincial town of Belleville. The division established the Township of Franklin in 1874 and the geographical boundaries we have today.

                    The statistics of 1902 present a start contrast to conditions 100 years + later:

                    Total U.S. population was 76,100,000

                    Nutley population 3,600

                    The average worker made $200-$400 per year

                    Only 8% of homes had a telephone

                    Only 14% of homes in the U.S. had a bathtub.

                    Coffee cost 15 cents per pound

                    Sugar cost 4 cents per pound

                    The average life expectancy was 47 years

                    Such were the times when on March 5, 1902, the town council adopted a resolution to officially re-name our town from Franklin to Nutley.

                    1902 – 1912

                    By 1902, we had a new name and a population growth from 1500 in 1874 (our first year as a separate town, Franklin) to 3,600 in 1902. This trend continued during the ensuing years. This fact, along with the passing of the Walsh Act in 1911, which regulated and provided for the government of towns, specifically the commission form, kept our town fathers busy. The next ten years would be spent building streets and sidewalks, extending the water mains and metering the water use, collecting taxes and water bills, licensing saloons and dogs and peddlers. In addition to changing our entire form of local government in 1912, other services and organizations were established. Firehouses, churches and new schools would also be built. It was also during this time through the persistent efforts of two local men, John F. Clark and Dr. Thomas E. Satterthwaite, that the town commissioners stopped the private development of properties along the Third River. This made way for the Parks system through the center of town that we enjoy today.

                    Yantacaw School 1902

                    The Friday Afternoon Club 1904

                    Capalbo’s Fruit Baskets 1906

                    First Baptist Church 1906

                    The Bank of Nutley 1906

                    West Nutley Fire Hose #2 1906

                    First Police Department 1908

                    Grace Church built 1908

                    Holy Family Roman

                    Catholic Church 1909

                    Vincent Methodist Church 1910

                    Windheim Plumbing 1911

                    Washington School 1911

                    Viola Brothers 1912

                    Nutley Elks Lodge 1290 1912

                    Women’s Club of Nutley 1912

                    1913 – 1922

                    The 1910 census reported Nutley’s population at 6009; almost double the amount from ten years prior. With this growth the next decade would see the construction of three additional new schools, the second addition to the Park School and the Free Public Library. Civic involvement would also continue. With the groundwork laid out the previous decade, the development of the park system would take place along the third river.

                    In 1913, the cornerstone of the Public School Library, later named the Free Public Library was laid. 1913 also brought the lobby of town women to sit on the School Board and discussions of the women’s suffrage movement. In a special section of the Nutley Sun (1913) the attributes of life in Nutley are detailed. Noted were: it is within the heart of things; transportation facilities are splendid; life of paradise outside of metropolis; population 7,000; occupies larger area than most towns with as many people; has miles and miles of splendidly laid sidewalks of concrete construction; miles and miles of cement curbing and gutters; macadamized roadways; most roadways are beautifully shaded with elm and chestnut trees; the lawns are well kept; there is an abundance of open fields for children to play; all schools have spacious grounds which present a very neat appearance throughout the year and extensive parks are being built by the Essex County Parks Commission.

                    1915 brought one of the largest graduating classes of Nutley High School – 21 students. In that same year, the Nutley Family Service Bureau was formed. In addition, this era brought the following:

                    Spring Garden School ground breaking 1916

                    County Park (Centre to Chestnut) 1917

                    Gary’s Pharmacy 1917

                    Nutley Abundant Life 1918

                    Nutley Post 70 American Legion 1919

                    Memorial Parkway 1920

                    Stuart E. Edgar Post 493 1920

                    St. Mary’s School 1921

                    Zinicola’s Bakery 1921

                    Knights of Columbus 1922

                    Nutley Chapter Rotary International 1922

                    1923 – 1932

                    In America, the 1920’s were a time of economic boom, population growth and great social optimism following the first Great War. However, in a short time the Great Depression would take hold and the generation of that time would receive a formidable experience that would shape them and our country for the next 60 years. Nutley experienced its greatest population growth during this time, from 9,421 in 1920 to 20,572 in 1930. New developments included:

                    Holy Trinity Lutheran Church 1924

                    Kingsland Park 1924

                    Franklin Men’s Shop 1925

                    League of Women Voters 1925

                    Nutley Lions Club 1925

                    Mt Carmel Roman Catholic Church 1925

                    Franklin School 1927

                    Franklin Theatre 1927

                    Nutley Branch AAUW 1927

                    Hoffman La Roche 1929

                    Public Safety Building 1930

                    Nichols Park 1930

                    Booth Park 1931

                    Nutley Park Shop Rite 1932

                    1933 – 1942

                    The Depression and World War II would dominate America during this period. Like the rest of the country, the citizens of Nutley would pull together for each other and for their country. A Civil Defense film was made depicting Nutley’s efforts at home during the war. The film was borrowed by other communities in the US to use in developing their own programs and finally made its way back to Nutley in 1975 from a town in North Dakota. Like the rest of America during the war, Nutley citizens did all they could . Scrap drives, food rationing, and blood drives were just a few of the activities that took place. This era also established the following:

                    George T. Bowes Realtors 1933

                    Recreation Center at Lincoln School 1933

                    Nutley Velodrome 1933

                    Nutley Little Theatre 1934

                    Oilways Fuel Corporation 1935

                    Janette Nutley Center 1936

                    NBC Auto 1937

                    Holy Family Church 1938

                    Third Half Club 1939

                    J & N Service Center 1939

                    1943 – 1952

                    With the end of World War II in 1945, the Township experienced returning GI’s intent on partaking of the American dream. After years of fighting for freedom, they got buys with the post war economic boom, the baby boom and the building of their communities and families. The proposal of the Garden State Parkway in 1953 and Route 3 in 1949 would be part of an expansion of highways and interstates that would contribute to the continued density growth of the areas surrounding Nutley. The challenge became to maintain our small town character while still being progressive. Beginning with the 1944 commission election, names such as Lucy, Chenoweth, Jernick and DeMuro would remain at the helm for much of the next 40 years. We would continue to experience this trend of longevity in later years with the addition of Commissioners Carmen Orechio and Frank Cocchiola. The Commissioners oversaw much of our growth during this period, introducing a Master Plan, zoning requirements and seeing to the development of many of the garden apartment complexes we have today. Life in post-war Nutley also brought the following:

                    ITT 1943

                    Richards Florist 1945

                    Nutley Amvets 1946

                    Riverside Community Church 1946

                    Nutley Old Guard 1947

                    Recreation Department 1948

                    Town Hall 1948

                    Nutley Historical Society and Museum 1948

                    Russo Insurance 1948

                    Golden Age Club 1949

                    Bethel Assembly 1949

                    Holy Family School 1950

                    S.W. Brown Funeral Home 1950

                    Griffith Shade Company 1950

                    Temple B’nai Israel expansion 1950

                    Nutley Chapter – Unico International 1951

                    1953 – 1962

                    Some would call this period the golden age of suburban life: Dad at work and Mom at home with the children. Though we had the Cold War, the focus was on family life. The baby boom was still on, television was well entrenched, the interstate highway system enable greater mobility, malls were just emerging and we still had Ma Bell.

                    Halfway through Nutley’s first 100 years, the landscape had changed dramatically. Development leveled off substantially. 3.5 square miles were almost completely developed. With no more farms and the street system complete, we were left with the responsibility of maintenance. However, community spirit thrived.

                    Nutley Volunteer First Aid Squad 1953

                    Nutley Chamber of Commerce 1953

                    Nutley Masonic Lodge No. 25, F &AM (current home) 1953

                    Park Foods ( 411 Franklin Avenue, Now Nutley Shop Rite) 1953

                    Nutley Museum Dedication 1954

                    Jernick Insurance 1954

                    Garden State Parkway 1955

                    Radcliffe School 1955

                    Nutley Jaycees 1955

                    Town Flag designed 1956

                    Father Glotzbach Park 1956

                    Flora Louden Park 1957

                    Delgen Press 1957

                    Kiwanis Club 1958

                    Nutley Senior High School 1959

                    Ralph’s Pizzeria 1961

                    1963 – 1972

                    Beginning with the assassination of President Kennedy in 1963, lie in America would dramatically change during the next decade. The Vietnam War and the Civil Rights Movement would have a profound impact on America’s psyche. Social unrest would reshape the country’s identity.

                    However, life in Nutley would again remain relatively stable. With a population of almost 32,000 in 1970 the township would see growth of the High School and continued improvements of the park system. Recreation programs in town would also grow substantially.

                    Glotzbach Little League Field 1966

                    First Official Girls Basketball Team 1968

                    Biondi Funeral Home 1968

                    Franklin Floors 1969

                    Eight Ciccolini Brothers 1969

                    DeMuro Park Improvements 1969

                    NHS Addition 1971

                    Mattia Service Award established 1972

                    Tour of Nutley Bike Race 1972

                    1973 – 1982

                    By 1973, the post-war economic boom was over and America was facing uncertainty. The Vietnam War would end with the Communists in control. In Iran, the US embassy would be overthrown and Americans taken hostage. At home, high unemployment, high inflation, gas shortages at the hands of foreign powers and the Watergate scandal would cause an unprecedented identity crisis for America. The phrase, “The Me Generation”, would come to describe the population. Thoushwe would celebrate the country’s bicentennial in 1976, faith in government was shaken. Reaganomics would begin to stimulate the economy again but the accelerated pace of change in the world would force a redefining of social, political and economic approaches. In Nutley, what were becoming identifiable characteristics, stability and progress, though certainly slowed, continued. There were expansions of the Parks and Recreation building, the Public Library and the development of the 22 acre Monsignor Owens/Glotzbach Park. Civic pride and involvement also continued.

                    Kingsland Manor purchase 1973

                    Enclosure Historical Site designation 1974

                    Creation of Special Young Adults 1975

                    Burial of Bicentennial Time Capsule 1976

                    Girls Basketball State Champs 1977

                    Organization of St. Patrick’s Parade 1978

                    Expansion of Parks & Rec Building 1981

                    1983 – 1992

                    During this time in America we would see the construction of the Vietnam Memorial in Washington D.C. Finally we would have reconciliation, putting to rest America’s struggle with the dividing experience that the war produced. The Cold War would end in 1985 and the Berlin Wall demolished in 1989, changing the world landscape. New words would come into our language: Yuppies, Aids and Reaganomics. The resurgent US space program and the American people would suffer the Challenger Shuttle disaster.

                    In Nutley, civic pride continued. The first designation as Tree City took place. A new housing project would be built for the senior population and one of the largest volunteer projects in township history would give our children a fun place to play.

                    Parkside Senior Citizen Complex 1978

                    Formation of town recycling program 1984

                    Boys Basketball State Champs 1984

                    Demolition of Franklin Ave. train station 1985

                    Improvements to Mudhole 1986

                    First Female Police Officer 1987

                    Public Library Expansion 1987

                    First Designation Tree City USA 1987

                    Building of Creative Playground 1992

                    1993 – 2002

                    As the township closed the first 100 years we saw the explosion of the Internet and dot.com companies, Y2K concerns and, of course, 9/11, which will be remembered as one of the most significant dates in our generation’s and our country’s history. The tragic events of 9/11 provided an awakening to the common bond we individuals share as Americans, this country’s freedom. We were all attacked (many more directly than others), not as individuals but as a people. Nutley lost three of its citizens on that fateful day. But like so many other Americans, Nutley responded heroically. All of our police, firemen and Rescue Squad staff were mobilized immediately in the hours following the attacks in New York. Ordinary citizens gave their time, money and efforts in any way possible. In this time period, the Township will see the last large land development take place. ITT Avionics moved out of its 93 acre site on Washington Avenue, making way for the Cambridge Heights development. Across the border, Clifton saw a huge retail development and our own end of Franklin Avenue was revitalized with restaurants and coffee shops.

                    Town Hall named Harry W. Chenoweth Building 1994

                    Van Riper House saved from demolition 1995

                    Ice Hockey added to HS athletic program 1998

                    Building plan approved – Cambridge Heights 1998

                    Rehab of World War II Memorial 1999

                    Lacrosse added to HS athletic program 1999

                    Roller Rink built 2000

                    Senior Citizen addition to Parks & Rec Building 2001

                    New Senior Housing Complex Built 2002

                    9/11 Memorial dedicated 2002

                    Gazebo donated by Rotary to township 2002

                    2002 noted the 100 th anniversary of the Township of Nutley commemorated by a year’s worth of historic events planned by the Centennial Celebration Committee formed under the direction of Mayor Peter Scarpelli and Chaired by Commissioner Joanne Cocchiola.

                    As the Township of Nutley enters its second century a lot has changed. But our civic pride and our citizens’ involvement are as strong as ever. The events of 9/11 only strengthened our commitment to our freedoms, our country and our community There will be debates, there will be mistakes but in the end it is the love of this town that will sustain Nutley for the next century

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