Remodeled Waterfront with separate 2 BR remodeled cottage.

Perfection!

Severna Park Waterfront home with

Separate 2 BR remodeled Cottage

989,000

You must see the virtual tour with all photos and information, then contact me to buy this splended waterfront home.

There is waterfront and then there is perfection. You don’t have to do a thing to move into this beauty. Fully remodeled by current owner with the intention on staying. Beautiful finishes throughout with attention to all the details.  This Severna Park Waterfront has great views of Cattail Creek and beyond.

You might be an impulse buyer, but when it comes to buying a home, you’ll need to fight your impulses and make the best investment. Buying a home can be extremely exciting, but it can also be very scary if you don’t know everything you need to know before you start the process. While you will learn new information as you go, there are things you’ll need to know before you start calling real estate agents and setting up an appointment to look at a house. Here are 5 things you must know before you place an offer on any home, no matter how perfect it may be.
Know Your Budget
You probably have an idea of how much you’re willing to pay for a home, but do you know how much the lenders think that you can afford to pay? Lenders use very strict equations to calculate how much a borrower can afford to pay based on their debt and their income. Make sure you apply for pre-approvals, see how much the banks are really willing to lend to you, and stay within this price range when you’re viewing properties.
Know the Demand
If you’ve been viewing Cincinnati real estate and you found a property that has potential, knowing how long the house has been on the market can be very helpful. If demand is low and the property has been sitting stale without interest, you have the power to make a lower offer that will seriously be considered. On the other hand, if the house has been on the market for just days, you’ll need to come in with a stronger offer to compete with others.
Know About Real Estate Trends in the Neighborhood
Recent sales data in a neighborhood will speak volumes about its reputation. When your buying a home, you should be prepared to compare the sales prices in the neighborhood to the list price of the home you’re interested in. This will give you bargaining power and may even help you get concessions that other sellers in the community have offered to close a deal.
Know About the Home’s Condition
You should never purchase a home without first having it inspected. Most lenders require you to get an inspection after an offer is made and before you close, but get one even if it’s not a requirement. Find out if there are hidden issues, how much repairs might cost you, and even get the power to make counter offers to have the seller remedy the problem before you take ownership. If you don’t know problems exist, the transaction may become a major headache.
Know How Much Improvements Will Cost
Your dream home might not be perfect when you buy it, but it will be once you are done with improvements. If you’re willing to buy a home that you need to improve, you need to price the cost of all of the improvements before you buy. The cost of renovations can quickly add up. Have a contractor actually walk through the property, quote the projects, and determine if it’s worth all of the work.

If you ask the right questions and do your homework, you’ll make the best investment. Be sure to build a team of professionals who will all contribute in the process. With the right team and the right knowledge, you’ll find a great home at a great price.

Submitted as a guest post by Casey Haslem

Great Value! Worthington Mews at Cromwell Fountain End unit Town home.

Arnold, MD

Cozy Cottage, End of Street

Waterviews abound!

$325,500.00

Water views from all Master bedroom windows, Rear and side of house look out onto Chase Creek. Adorable cottage, bank owned, some remodeling done incl; geaming hardwood floors, newer furnace, ready for a new owner.

Here is a link to the virtual tour  or view below

         9815 Empire Ct.

         Apple Green

         Dunkirk MD

Priced to Sell at $409,900.00

Perfect, Private Setting with beautifully updated, improved, four bedroom, two and one half bath colonial. You won’t believe the beautiful hardwood floors throughout, the new gourmet kitchen with large breakfast island.  New, Improved master bathroom with ceramic floors, granite tops and customized walk-thru master closet.

Must see this new listing in Dunkirk, Home For Sale and priced to sell.

See tour link or view here; 

View the Tour

Homes in Heritage Harbour Annapolis are moving quickly.  There was a lull in sales for several months where things were not moving quickly.  If you are considering a purchase of a Heritage Harbour home this fall or winter, now is the time to watch, look and buy.  There are a number of house types to chose from.  There is probably one to fit your needs.  We have Condo’s in Heritage Harbour that have water views, high rise buildings that are secure and more modern than others, yet spacious.  There are single level Town homes that range from 1200 to almost 1500 square feet. Some of those are considered condominiums, they have a separate fee that covers snow removal and lawn service as well as a master insurance policy. There are two level town homes in Heritage Harbour that are over 2400 square feet offering traditional colonial layouts with a first floor master bedroom and 2 or 3 additional bedrooms upstairs. Then we have nice single family homes, mostly with 3 Bedrooms, 2 Baths, your own yard to care for and some have basements.  So, you can see there is a lot to chose from in the homes offered for sale in Heritage Harbour.

The amenities are fabulous, no wonder it’s so popular.  A beautiful community center houses meeting rooms, a library, an indoor pool and hot tub, wood shop, exercise facility, card rooms, training rooms and so much more.  The sidewalks run throughout the community offering great areas to walk and walk and walk.  My wife and I are blessed to live on Bridgeport Way, our neighbors are wonderful, made us feel welcome from day one and always greet us with smiles and waves.

Below are some statistics regarding homes sold in Heritage Harbour in the past 6 months ending 9/30/2012.

For six months ending September 30th, 2012  68 residential homes were sold in Heritage Harbour Annapolis. The minimum sales price was $136,500.00 for a condominium on Shipmaster and as high as $524,900 for one of the large condo units on Astern Way. The average sales price was$291,731.00.  The average days properties were on the market was 122 days.

16 Townhomes or attached duplex homes were sold, 20 single family homes sold and 27 Condo homes were sold according to the multiple listing services.

Get moving, there are only 27 total homes for sale today in the community.  That translates into about 3 months of inventory.  During the last 6 months approximately 11 homes sold per month, with only 27 on the market that’s actually less than 3 months of inventory.  

If searching for a home in the community, I suggest you save the link to this page and click on it anytime.  It will take you to a page showing all active listings within the community.  If you would like a list of sold properties simply contact me and I will forward that to you. It’s nice to know what the sales prices are for various home types so you can make an informed decision when buying a home here.

I live here, am passionate about the community and all it has to offer. I’ve been helping people buy and sell homes in the Annapolis real estate market for 15 years.  Read what my fans say about my services and read about my qualifications. I am the person you need to chose when buying or selling in Heritage Harbour Annapolis.

Because I have specialized in the listing of foreclosed homes I have a great interest in knowing what the real statistics are.  If you read the main stream media news sources, many say there has been and continues to be a huge decline in foreclosures. I believe they are basing their research on the process of foreclosure and not the reality of the number of delinquent mortgages.  You see the process begins with an “intent to foreclose” letter and court filing in many states. That becomes public record for all to see. Before this is done it’s not considered to be in the foreclosure process.  Once the process starts, it can take months and months to complete. If the property sells back to the bank for the unpaid loan balance, it can still take months before that property is assigned to a real estate agent.

What I do know is that since the robo signing “scandal” there has been a tremendous slowdown in new listings issued to agents that sell foreclosed properties for major lending institutions.  I ask myself did the governments intervention in the process cause such confusion and fear within the banking system that they are just sitting on the properties and not taking them through the process. I don’t know and honestly cannot find out.  I’ve asked my asset managers at the large institutions I represent, they say, “until they land on our desk, we don’t know what we have” .  In other words, lips are sealed but the foreclosures or those somewhere in the delinquent process are just sitting.  The current occupants may be hounded to pay but they are not being foreclosed upon.  This is considered by some as a conspiracy theory.  Sorry.

The federal government is sitting on about 200,000 foreclosed homes according to realtor magazine.  In this article they also indicate some criticism of Mitt Romney’s white paper on the subject.  They say he is not specific enough in the outline of his plan.  Well we or I should say  many homeowners are fully aware that the HAMP and HARP programs initiated by the treasury department haven’t been very successful in assisting owners with refinancing or foreclosure processes.   The programs, I’ve written often about have basically failed and were poorly run by people who don’t understand the process.  Mr. Romney’s program is in the development stage, and as far as the criticism regarding the lack of detail, I think it’s great.  If a politician says he or she is going to do exactly xy and z they are most likely lying.  In a dictatorship they can do that but in a democracy they can’t.  Remember there are other branches of government in the process.  We know one thing for sure, HAMP and HARP, in my opinion and others have been jokes.

If I ever get to the bottom of the facts (something hard to find) I will certainly share them with you.

In the meantime, if facing foreclosure, get the facts, communicate directly with your lender. Spend your time trying to modifiy and work out the loan repayment.  It’s a long frustrating process, it takes time but remember, while you are working on the loan you have a place to live.  The banks won’t stop calling, openly discuss your situation with them, consult with a foreclousre attorney to understand all your options.

Should you decide to try and short sell your home, feel free to contact me, I’ll be happy to discuss your situation with you.

Maybe it was my upbringing, my work ethic or my thirst for knowledge.  Whatever it is, I get great pride in helping others with their real estate transactions.  All agents are not created equal and good agents have a huge impact on the outcome of a buying or selling transaction.

Heritage Harbour has been my home since the end of May 2012, in just a few short months I have been instrumental in helping several families move happily into the community, including my wife and myself.  Real estate sales and happy customers are not new to me. I’ve worked over 15 years in this industry and I don’t have a bad review to date.  

Why don’t you join the ranks of those who have sought out my professional services and been happy they did?  There is nothing I want more than to have your comments added to my About Page for the work I do in Heritage Harbour real estate sales.

Call me, email me, sign up for my blog with over a thousand real estate articles or just browse my website page featuring Heritage Harbour Homes For Sale.  I live 5 min. from all 1500+ homes in Heritage Harbour community.

I look forward to our conversation.

Let’s start with the pristine setting, mature landscaping, nature, walks, waterfront, pools, community center, golf course, wood shop, college classes, dining club and so much more.

If you buy a home in Heritage Harbor you will have plenty to enjoy.  This month alone there are trips, festivals, music and dinners.  I am sitting in my Heritage Harbour Home reviewing the monthly Harbour Lights magazine, here is a glance at some of the items offered to residents.

Oktoberfest; Music, cafe, German sausages, sauerkraut, a live auction, silent auctions.  The Alpine Dancers perform, they have a Kid’s Corner and all for just a $10.00 admission fee.

Heritage Harbour bus trips to mention a few; Trip to National Gallery of Art, Kennedy Center concert, South County Concert and the National Air and Space Museum.

Visits by local councilman for question and answer session.

A play performed by the Heritage Harbour Drama Club.  If your a new resident of Heritage Harbour you can attend the New Resident social to meet some of your great new members.  How about the Friday night Halloween Dance, costume party.  You could chose to see a movie, visit a meditation group, attend a flu shot clinic (what fun), Go on a shopping extravaganza, go to a craft swap day, attend a financial focus group, join the New York club and take a trip to New York.

You get the idea, I am on page 17 out of a 40 page newsletter so you can find anything that meets your fancy.

One way to get started enjoying the benefits and fun at Heritage Harbour is to contact John Day, me, the real estate agent and neighbor to buy a home today.

         See Homes For Sale in Heritage Harbour and get started now.