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Ready for that

new mortgage but still wondering

Who can you TRUST Maybe it’s time you got to know the folks at

BENCHMARK.

A top-ranked locally owned community bank, Benchmark has always been known for its responsible lending practices. Sub-prime loans have never been part of its plan and they never will. Benchmark mortgage officers work to get you the best rate and terms that they can while making sure you’ll be on solid ground for the life of the loan. In short, you can trust them to take you down the right path.

Call Kim at 392-9088

So if you’re thinking of buying a home or looking to refinance, call Benchmark. Located throughout Southside Virginia, www.BCBonline.com

there’s a branch near you. 3

Prince Edward~MLS#39332~$149,900

3 Bedrooms~2 Baths~1,400 sqft.~1.50 Acres Like-New Condition~Master Suite~Close to H-SC

Buckingham~MLS#38760~$325,000

3 Bedrooms~1 Bath~1,620 sqft.~197.84 Acres Getaway Cabin~Pond~Road Frontage

Farmville~MLS#38859~$179,900

3 Bedrooms~2 Baths ~1,694 sqft.~0.62 Acre New Build~Located in Jesses Ridge~Owner Agent

Lunenburg~MLS#39142~$149,000

3 Bedrooms ~2.5 Baths~1,536 sqft.~0.69 Acre Basement~Outbuildings~Corner Lot~Garden Area

Charlotte~MLS#38329~$159,950

1 Bedroom~1 Bath~689 sqft.~11.98 Acres Fronts 19AC-Lake~Hardwood Trees~Privacy

Farmville~MLS#38858~$159,900

3 Bedrooms~2 Baths~1,327 sqft.~0.45 Acre New Construction~Deck~Owner Agent

Cumberland~MLS#38925~$239,900

4 Bedrooms~2 Baths~2,648 sqft.~4.09 Acres Historic “Needham” House~ Great Details

Farmville~MLS#38900~$149,900

3 Bedrooms~2.5 Baths~1,460 sqft.~0.63 Acre Well Kept~Close to LU~Nice Decks~Owner Agent

Prince Edward~MLS#37816~$339,900

4 Bedrooms~3 Baths~3,666 sqft.~20 Acres Grand Staircase~Barn for Horses~Owner Agent

Farmville~MLS#38916~$3,500,000

3-Story Modern Professional Building~1.80 AC Across from Hospital~Long-term Tenants

Prince Edward~MLS#39116~$210,000

2 Bedrooms~2 Baths ~1,949 sqft.~1.50 Acres Large Rooms~Unfinished Upstairs~3-Car Garage

Charlotte~MLS#39226~$80,000

18,000+sqft. School Building~7.96 Acres Fronts Hwy 40~Parking Lot~ Basketball Court

Charlotte~MLS#38974 $75,000

2 Bedrooms~1.5 Baths~1,345 sqft.~1.33 Acres Recently Updated~Garage~Bonus Spaces

Cumberland~MLS#38564~$219,900

Prince Edward~MLS#38233~$679,000

5,000 sqft. Retail/Office Space~6.35 Acres Road Frontage~Commercial Entrance~Parking

Farmville~MLS#39143~$125,000

5 Bedrooms~4 Baths~3,161 sqft.~0.90 Acre Spacious~Full Basement~Great Location

4 Bedrooms~2 Baths~1,428 sqft.~0.78 Acre Great Rental Opportunity~ Close to Longwood U.

Cumberland~MLS#38803~$199,900

Prince Edward~MLS#39327~$79,900

2-Story Home Needs Restoring~54.10 AC Fields~Road Frontage~Nice Trees

Prince Edward~MLS#39284~$69,000

3 Bedrooms~2 Baths~1,296 sqft.~5.20 Acres Private Setting~ New Carpet & Paint

3 Bedrooms~1 Bath~1,240 sqft.~0.83 Acre Eat-In Kitchen Area~Enclosed Porch

Charlotte~MLS#39364~$78,000

Custom Log Home that Needs Finishing on 5 Acres. Great Weekend Project.

Prince Edward~MLS#33948~$169,900

3 Bedrooms~2 Baths~1,835 sqft.~2.22 Acres Large Rooms~Paved Drive~30’x50’ Shop

Lunenburg~MLS#38282~$110,000

1,540 sqft Retail Store~Located on Main St. Security System~Upgraded Electrical

Prince Edward~MLS#33286~$134,500

3 Bedrooms~2 Baths~1,816 sqft.~1.41 Acres Private Area~Spacious Rooms~Lg. Rear Deck

In South Central VA Sales!! Call State Wide Realty Co. TODAY to List Your Home, Land, Farm, or Commercial Property. Need an Auctioneer? We can HELP with that, TOO! 434-392-6163 5

Charlotte: 179.87 AC, Wooded, Borders Reservoir, 80’x180’ Metal Building. MLS#39100 $1,000,000

Prince Edward: Lots at Walnut Hill Estates. Sizes & Prices Vary. Owner Agent

●Lunenburg : 115 AC, Wooded, Trails, Bold Creek & Good Hunting. MLS#39098 $230,000

●Appomattox: 51.74AC, Fronts on 2 Rds, Nice Hunting Spot. MLS#38855 $104,900

●Prince Edward: 25.28 AC, Close to Town of Farmville, Great Development Potential. MLS#39167 $1,500,000

•Prince Edward 38.98 AC, Joins Briery Creek WMA. MLS#38112 $84,900

●Cumberland: 52.39 AC, Wooded & Private. MLS#37786 $99,950

●Buckingham: 8.51 AC, Wooded Lot, Convenient to Scottsville or Dillwyn. MLS#36795 $19,900

● Prince Edward: 45 AC, Close to High Bridge State Park, Borders Sayler’s Creek. MLS#39251 $124,900

●Buckingham: 12.05 AC, Wooded. MLS#37787 $38,900 Owner Agent

●Buckingham: 4.39 AC, Wooded, Perc Site, James River Access. MLS#37936 $29,900

●Halifax : 17 AC, Great Hunting Land ●Charlotte: 4.63 AC, Wooded, or House Site, Creek. Recreational Rights to 2 Lakes, Camper. MLS#38785 $34,000 MLS#39005 $29,900

Charlotte: 30.72 AC: Long Road Frontage, Pond, & Close to Keysville. MLS#39101 $99,000

●Amherst Co: 5.65 AC, Cleared Homesite, Great Mountain Views. MLS#38898 $21,000

●Buckingham:109.97 AC, Cabin, Next to State Forest. MLS#36920 $210,000

●Prince Edward: 4.93 AC, Wooded Lot, Overlooks a Pond MLS#37944 $18,500

•Bedford: 93.92 AC, Mostly Wooded Great Investment. MLS#36095 $206,624

•Charlotte: Building Lots on Staunton Hill Rd. 3 Lots Available $12,900 each.

●Prince Edward: 32.78 AC, Great Hunting Land, Not Buildable. Owner Agent MLS#34647 $39,900

•Halifax: 716 AC w/River Frontage & Mostly Wooded. MLS# 36429 $2,127,233

●Prince Edward: 8.40 AC, Wooded, Creek, & Homesite. MLS#36819 $19,900

•Buckingham: 32.66 AC, North River Frontage. MLS#34287 $69,900 Owner Agent

•Prince Edward: Lots on Watson Blvd. Prices Start at $12,900. Owner Agent.

•Prince Edward: 17.44 AC, Near Sandy River Reservoir. MLS#38226 $29,900 Owner Agent

Charlotte: 130.24 AC, Wooded, Interior Road & State Road Frontage. MLS#38646 $298,480

●Buckingham: Large Building Lots on Red Rd. Prices & Sizes Vary. Owner Agent

•Prince Edward: Wooded Building Lots, Goode’s Knoll Subdivision Prices Start at $16,900.

•Prince Edward: Building Lots At Lockett Creek West Prices Start at $17,900. Owner Agent

● Prince Edward: 7.60 AC, Road Frontage & Recently Planted in Loblolly Pines. MLS#38978 $24,900

Janet Miller

Real Living Cornerstone 238 N Main St. Farmville, VA

434 390-7977 JanetMillerHomes@gmail.com PRICE REDUCED

MLS 39273 FLUVANNA $99,900

NEW LISTING

MLS 39347 KENBRIDGE $95,000

MLS 39237 CLARKSVILLE $95,000

PRICE REDUCED

MLS 38994 DILLWYN $79,250

MLS 39290 CHASE CITY $78,500

MLS 39182 APPOMATTOX $69,000

MLS 38959 CREWE $41,100

MLS 39268 CLARKSVILLE $40,000

MLS 39271 VICTORIA $29,900

UNDER CONTRACT!

MLS 39272 FARMVILLE $29,900

MLS 39233 CREWE $22,900

NEW LISTING

MLS 39346 BOYDTON $24,500

PRICE REDUCED

MLS 39209 VICTORIA. $22,999

I HAVE SOME GREAT LAND LISTINGS AS WELL. PLEASE COME TO MY WEBSITE FOR PHOTOS AND ALL THE DETAILS!

To view more details and photos of all my listings, please visit: www.JanetMillerHomes.com

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Buckingham Co 5 minutes to Farmville 3 bedroom, 3 bath with Exceptional Views! Oversize two car garage. MLS# 38393 $359,000

Prince Edward Co. Custom Built 6 Bedroom, 3.5 Bath Rancher with a Finished Full Basement, Two-car Garage, Storage Shed, Carport, and Tree House! $279,900

Dillwyn Nice 3 bedroom, 1 1/2 bath home built 1984. Second building. Storage shed with lean-too. MLS# 39096 $139,900

Buckingham County Custom 3 bedroom, 3 bath, Unfinished second floor. Partially finished basement. 5 acres! MLS# 38810 $309,000

Farmville 4 bedroom, 3 bath, garage, and freeflowing interior. additional lot included MLS# 36966 $269,000

Charlotte County Custom 3 bedroom, 3 full bath on 16+ acres. POND! Basement. Deck extends the length of the house. MLS# 38008 $279,000

Green Bay Private 3 bedroom, 2 bath, 8 acres. Creek. 2 Car Garage. MLS# 39084 $179,950

Green Bay 2 bedroom, 1 bath Cape Cod. 2.45 acres. Custom Built 2012. Shed. MLS# 39265 $109,000

Cumberland County 3 bedroom, 2 bath between Farmville and Cumberland C.H. Outbuilding. 3 acres open. Priced to SELL MLS# 38847 $79,900

Buckingham Multiple building lots available. Contact me to buy one or all of them. MLS# 37865, 66, 67, & 68 Lots start at $16,400

Prince Edward County 2 bedroom, 1 bath. 4 acres. Full unfinished basement. MLS# 38433 $79,000

Prince Edward County 3 bedroom, 3 bath. Full basement, partially finished. Awesome master. Storage shed and lean-too. MLS# 38368 $169,000

Prince Edward County Investors! Town of Farmville! Tentative subdivision layout for 105 building sites. MLS# 34640 $272,000 67.28 acres, cut-over with creek. MLS# 38341 $129,500 3.5 acres, wooded MLS# 37612 $34,900 8.18 acres, wooded, stream MLS# 33745 $28,900 Buckingham County 54 acres, 34 wooded, river MLS# 39261 $172,800 26.67 acres, mostly open. MLS# 38383 $88,000 14.99 acres, wooded MLS# 38384 $51,100 7.9 acres, mostly open acres. Nice views. MLS# 38385 $43,500 12.08 acres, open MLS# 37804 $22,000

Hampden Sydney 4 bedroom, 3 bath. Newly Renovated. Guest Cottage MLS# 39289 $399,900

Dillwyn 3 stall horse barn w/tack room, 3 fenced in pastures. Dog kennel for 12. 2 sheds. 11+ acres, adjoins the Little Willis River. 4 bedroom, 2 bath home. 15 minutes to Farmville. MLS# 39195 $249,900

Farmville 5 bedroom, 3 bath home that over looks lake. Newly remodeled. Full finished walkout basement. Two car garage. MLS# 38197 $245,000

Cumberland County 89.475 acres, wooded MLS# 39135 $268,425 90 acres, wooded MLS# 39262 $225,000 7.1 acres, wooded MLS# 31755 $27,500 3 acres, wooded MLS# 31752 $13,000 Appomattox County 14.9 mostly wooded acres. MLS# 39063 $45,000 Lunenburg County 67.27 acres, wooded w/creek. Long road frontage. MLS# 38342 $169,000 Nottoway County 1.25 acres, wooded. MLS# 32562 $20,000

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Janice Huddleston 434-315-1231 Cell

janice@lafoonrealty.com www.lafoonrealty.com

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How Do You Make Your House Stand Out? Thousands of homes are listed every year, but not all of them are advertised the way they should be.

Tell your agent you want them to showcase your home in

Active Listings Real Estate Guide 11

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Patriot Ridge Shopping Center Development. Rt. 60 Cumberland Co. 20.6 acres. Site plan w/ lots approved. $845,000

MLS 36299 Farmville PE County Close to Town. Wood floors throughout! 3 bedroom, 2 1/2 bath home offers plenty of space to entertain. Basement. $263,900

MLS 37046 Charlotte CH 3 Bedrooms, 2 Baths, Formal LR & DR, 12.02 Acres. Pool, and Pool House, 4 Stall Run-in. $189,900

MLS #39112 Farmville 3 bedrooms and 2 full baths. Nice 12x12 deck. Two sheds, one with electric. PAVED DRIVEWAY!! Beautiful setting. $189,900

MLS 37040 Prospect 3 Bedrooms, 2 Baths, Triple wide on 1.6+ Acres. Like New. 1824 sq ft! $119,000

434-547-7263 Cell RebeccaSimpson@Remax.net Call Rebecca for ALL your Real Estate needs!

MLS 38887 Charlotte County 162.84 acres with 8/10 of a mile of road frontage. 45 acres open land, 30 acres timber (cruised a few years ago w/a value of $50, 000) and rest in planted pines. One lake, two ponds and creek. Single wide on permanent foundation offer 2 bedrooms and 2 baths. Completely redone in 1985. Beautiful views! $599,000

MLS 37526 Pamplin 5 bedroom, 3 1/2 bath log home nestled in woods w/ rights to a 25 acre lake. Fenced area for pets, two metal carports, generator. Additional 9.07 ac available. Basement $239,900

MLS 38718 Farmville (Cumberland Co) 4 Bedroom, 3 bath home, detached 2 car garage w/lean-to, Stage house w/half bath, Pavilion w/full kitchen. Two full camper hook-ups. Bath house w/sink & commode. Fruit trees. 7.32 acres of Possibilities! $249,900

MLS 39053 Cullen MLS 38640 MLS 38030 Rice Beautiful brick ranch with 2 car Farmville, Buckingham County Custom 3 Bedroom, attached garage, detached 20+ acres w/horse barn, 33x24 & 2 Bath home with hardwood garage/shop on 2.941 ac. This 24x24 buildings w/220 amp. Land backs up to STATE FOREST. Full quality built house offers 3 bedrooms floors throughout. Sunroom. and 2 full baths. It has a large deck Basement garage with stocked pond and a stream. 4 bedroom, 2 bath home. $229,900 off the back. Property is surrounded storage area. Shed $182,000 by farmland. $169,000

MLS 3857 Amelia. Service Station, Convenience Store, House, Apartment and shop. $450,000

MLS 38555 Brookneal 11 unit motel w/2 bedroom apartment. 6 units currently rented monthly for $3400 total. All rooms have microwave, refrigerator and cable TV. GREAT INCOME! Need some updating. $149,000

MLS 38305 Buckingham Co. MLS 39217 Meherrin, Lunenburg Co. 3 Bedroom, 2 1/2 Bath Cape on 3 bedroom, 3 bath renovated house. Basement is partially finished with 2 lots. 10X16 Shed with loft and electricity. Dog kennel w/lights & family room and full bath. Pool with deck. 2 sheds w/electric. $155,000 concrete. Large Yard $169,900

MLS 38397 Charlotte CH Large 3 bedroom, 2 bath doublewide, 1.5 acres. Front and back decks. $79,900

MLS #36657 Several Beautiful Building Lots on 740 acre Sandy River Reservoir. (Most lots Water Front) $75,000 to $99,000

MLS 36549 Drakes Branch 6800 Sq.Ft. retail/ professional business. Apartment in back. Assessed for $111,604. $99,900

MLS 39187 Buckingham Co. 5 Bedroom home with many new upgrades. HUGE 30x35 shop with 200 amp service. This home is ready to move in! $149,900

MLS 37429 Farmville 2 Bedrooms, 2 Baths, Renovated. Shed and Carport included. $64,900

MLS 32924 Keysville - Commercial Located on Highway 360! Great Traffic for Any Business! $99,900

MLS 37427 Dillwyn 3 bedroom, 1 1/2 bath home remodeled in 2010. 2 heat pumps. New large patio. Shed with electric. 1.4 Acres. $129,900

MLS #37428 Farmville 2 Bedroom, 2 bath with many updates. Shed. $49,900

Financing Country Living Since 1916 The Experts in Rural Finance Homes â&#x20AC;¢ Land â&#x20AC;¢ Construction â&#x20AC;¢ Livestock Barns â&#x20AC;¢ Outbuildings â&#x20AC;¢ Equipment

NMLS# 585525

800.777.8908

ColonialFarmCredit.com

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A DIFFERENT KIND OF MORTGAGE LENDER Whether itâ&#x20AC;&#x2122;s purchasing your first home, upgrading to a larger one or refinancing to lower your payment or pay off debt, Embrace Home Loans continues to help our neighbors finance their dreams. Call or apply today to get pre-approved and make your dream come true!

Conventional â&#x20AC;¢ USDA â&#x20AC;¢ FHA â&#x20AC;¢ Renovation VA â&#x20AC;¢ JUMBO â&#x20AC;¢ Manufactured Homes Virginia Housing Development Authority Larry Montecino Senior Loan Officer NMLS# 423572 ph cell

434.237.5111 x3399 540.521.3430

lmontecino@embracehomeloans.com

apply at www.embracehomeloans.com/larry-montecino

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&&KZ > ͊͊ dŚŝƐ ŝƐ Ă ƵŶŝƋƵĞ ŽƉƉŽƌƚƵŶŝƚǇ ƚŽ ŽǁŶ Ă >Kt D /Ed E E ŽŶĞ ůĞǀĞů ŚŽŵĞ ŽŶ Ă ƋƵŝĞƚ ǁŽŽĚĞĚ ůŽƚ ŝŶ ƚŚĞ ĐŽƵŶƚƌǇ͊ ^ŝŶŐůĞǁŝĚĞ ƚƌĂŶƐĨŽƌŵĞĚ ǁŝƚŚ Z/ < ĞǆƚĞƌŝŽƌ͕ dŚĞƌŵĂů tŝŶĚŽǁƐ͕ WŝƚĐŚĞĚ ŝŵĞŶƐŝŽŶĂů ^ŚŝŶŐůĞ ZŽŽĨ͕ ŽǀĞƌĞĚ KEZ d ƉŽƌĐŚ͕ ůĂƌŐĞ tKK <͕ , d WhDW͕ KĂŬ ĐĂďŝŶĞƚƐ͕ ƉƉůŝĂŶĐĞƐ ĂŶĚ ^ƚŽƌĂŐĞ ^ŚĞĚ͘ &ŝƌƐƚ ,ŽŵĞ͍ ŽǁŶƐŝǌͲ ŝŶŐ͍ ZĞŶƚĂů͍ D>^ͬ/ ͗ϭϲϮϱϴϱϭ Ψϲϵ͕ϵϱϬ

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ϴϬϰͲϴϯϯͲϱϯϱϭ

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ϰϯϰͲϱϴϭͲϭϴϰϮ

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Z Z K&& Z/E'͊͊ W Z& d &KZ & ZD ϭϬ ĐƌĞ WĂƌĐĞů ŝƐ DŽƐƚůǇ KƉĞŶ͘ ůĞǀĂƚĞĚ ƵŝůĚŝŶŐ ^ŝƚĞ͘ D>^ͬ/ ͗ ϭϲϭϮϬϯϮ Ψϲϵ͕ϱϬϬ

s/ ͞dZ/W͟ ^d W, E/ W d/dd WKKZ ϴϬϰͲϴϰϬͲϭϴϵϵ ϴϬϰͲϲϴϳͲϳϭϳϯ

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510 E. Third Street Farmville, VA 23901

434-392-4999 Office

Broker/Realtor

www.heartlandpropertiesva.com

Youâ&#x20AC;&#x2122;ll appreciate the tranquil county setting along with the adorable brick rancher resting on 59+/acres located in Charlotte Co. near Brookneal. PRICED TO SELL!

Charming 3 BR, 2 Bh home on nicely landscaped corner fenced lot. Great place to raise the kids and pets. You can have it all! BEAUTIFUL HOMEGREAT LOCATION!

If you love old homes you will love this 4-5 BR home with wood floors, fireplace & lg. workshop. ASKING $69,900 owner agent

Rachel Runion 434-603-1968 Cell

Youâ&#x20AC;&#x2122;ll love the 3 BR, 3Bh home with lg. back yard, carport & garage. Live in one side and rent out the other side to help with expenses. A MUST SEE!

Unique and full of character, this home begs to be restored to its original beauty! Convenient to Farmville and Blackstone, this turn of the century home has hardwood floors, four fireplaces and double stairways. A dream home that needs TLC.

Prince Edward: 1+/-ac. with well/septic $8,000 Lunenburg: 11.7+/-ac. MOTIVATED SELLER

Email me for more details or to list your home! Rachel@HeartlandPropertiesVA.com

Kenbridge Office

(434) 676-3329 124 S. Broad Street Kenbridge, Va 23944

Johnny Seamster 434-480-0122

www.MOPVA.com

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