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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

Farmville~MLS#38651~$975,000

15,000sqft.+ Historical Building ~0.198 Acre Excellent Location~Unlimited Possibilities

Prince Edward~MLS#38770~$205,000

3 Bedrooms~2 Baths~1,798 sqft.~1.51 Acres Lg Kit w/Island~Sunroom~Landscaped Yard

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

4

Charlotte~MLS#38329~$159,950

1 Bedroom~1 Bath~689sqft.~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 Throughout

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 Parking Lot~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

Buckingham~MLS#38760~$325,000

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

Cumberland~MLS#38564~$219,900

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

Cumberland~MLS#38803~$199,900

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

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

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

Buckingham~MLS#38780~$259,900

3 Bedrooms~3 Baths~2,010sqft.~11.50 Acres Master Suite~Full Basement~Addtâ&#x20AC;&#x2122;l Cabin Incl.

Farmville~MLS#38800~$64,900

1 Bedroom~1 Bath~576sqft.~0.50 Acre Great Rental Potential~Close to Longwood U.

Cumberland~MLS#38231~$369,900

4 Bedrooms~3.5 Baths~4,700 sqft.~6.06 Acres Custom Finishes~Private~2-Car Garage~Basement

Prince Edward~MLS#37605~$69,900

2 Bedrooms~1 Bath~1,362 sqft.~1.15 Acres Refinished Floors~ New Paint~Owner Agent

Charlotte~MLS#38974 $75,000

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

Prince Edward~MLS#33286~$134,500

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

5

Prince Edward County          

Lots at Walnut Hill Estates. Sizes & Prices Vary.

Owner Agent 25.28 AC: Close to Town of Farmville, Great Development Potential. MLS#39167 $1,500,000 38.98 AC: Wooded, Adjoins Briery Creek WMA. MLS#38112 $84,900 4.79AC: Wooded Lot , Fronts A Pond. MLS#38824 $22,500 32.78 AC: Great Hunting Land, Not Buildable.

Owner Agent MLS#34647 $39,900 8.40 AC: Wooded, Creek, & Homesite. MLS#36819 $19,900 17.44 AC: Close to PE State Forest & Sandy River Reservoir. Owner Agent MLS#38226 $29,900 7.60 AC: Road Frontage & Recently Planted in Loblolly Pines. MLS#38978 $24,900 4.59 AC: Building Lot in a Private Area, Close to Hwy 460. MLS#38047 $9,000 45 AC: Close to High Bridge State Park, Borders Sayler’s Creek. MLS#39251 $124,900

Appomattox County  

Buckingham County

51.74AC: Fronts on 2 Rds, Nice Hunting Spot.

MLS#38855 $104,900 1.15 AC: Wooded Building Lot, Close to State Forest MLS#36796 $14,900

      

109.97 AC Cabin, Next to State Forest. MLS#36920 $210,000 32.66 AC Fronts North River, Owner Agent.

MLS# 34287 $69,900 12.05 AC: Wooded Homesite, Perc Site, Owner Agent. MLS#37787 $38,900 Large Building Lots on Red Road. Sizes and Prices Vary. Owner Agent 8.51 AC: Wooded Lot, Convenient to Scottsville or Dillwyn. MLS#36795 $19,900 Lots at Apple Blossom Subdivision. Sizes and Prices Vary, Owner Agent.

3.01 AC: Residential Lot, Perk Approved, and New Survey. MLS#10796 $25,500

Charlotte County    

179.87 AC: Wooded, Borders Reservoir, 80’x80’ Metal Building. MLS#39100 $1,000,000 130.24 AC: Wooded, Interior Road & State Road Frontage. MLS#38646 $298,480 4.63 AC: Wooded, Recreational Rights to 2 Lakes, Camper. MLS#39005 $29,900 30.72 AC: Long Road Frontage, Pond, & Close to Keysville. MLS#39101 $99,000

Other Counties    

6

Lunenburg Co: 115 AC Wooded, Trails, Bold Creek & Good Hunting. MLS#39098 $230,000 Nelson Co: 51.10 AC: Pond, Private, Hardwoods & State Road Frontage. MLS#39060 $150,000 Halifax Co: 17 AC: Great Hunting Land or House Site, Creek. MLS#38785 $34,000 Amherst Co: 5.65 AC: Cleared Homesite, Great Mountain Views. MLS#38898 $21,000

* Let Our State Wide Realty Co. Agents Help YOU Find YOUR Dream Property!!

Janet Miller

Real Living Cornerstone 238 N Main St. Farmville, VA

434 390-7977 JanetMillerHomes.@gmail.com UNDER CONTRACT!

MLS 38765 CUMBERLAND $129,900

NEW LISTING

MLS 39273 FLUVANNA $104,900

PRICE REDUCED

NEW LISTING

MLS 39237 CLARKSVILLE $95,000

NEW LISTING

MLS 39290 CHASE CITY $78,500

NEW LISTING

MLS 39268 CLARKSVILLE $40,000

NEW LISTING

MLS 39209 VICTORIA. $27,999

MLS 38741 KEYSVILLE $99,900

MLS 38674 DILLWYN $87,500

PRICE REDUCED

MLS 39182 APPOMATTOX $78,000

NEW LISTING

MLS 39271 VICTORIA $29,900

NEW LISTING

MLS 39233 CREWE $22,500

MLS 38994 DILLWYN $79,250

PRICE REDUCED

MLS 38959 CREWE $41,100

NEW LISTING

MLS 39272 FARMVILLE $29,900

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

7

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9

Theresa Denaro Exclusive Listing Agent

(434) 390-4240 Cell

Lafoon Realty, Inc. 720 Oak St * Farmville * 392-6191

Theresa@lafoonrealty.com

www.LafoonRealty.com

Buckingham Co 5 minutes to Farmville 3 bedroom, 3 bath with Exceptional Views! Oversize two car garage.

MLS# 38393 $359,000

Farmville 5 bedroom, 3 bath home that over looks lake.

Newly remodeled. Full finished walkout basement. Two car garage. MLS# 38197 $245,000

Green Bay 2 bedroom, 1 bath Cape Cod. 2.45 acres. Custom Built 2012. Shed.

MLS# 39265 $109,000

Prince Edward County 2 bedroom, 1 bath.

4 acres. Full unfinished basement.

MLS# 38433 $79,000

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

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.

MLS# 37486 $179,950

Farmville 4 bedroom, 1 1/2 bath.

Walk to Longwood..

MLS# 39256 $74,900

Buckingham Multiple building lots available.

Contact me to buy one or all of them.

MLS# 37865, 66, 67, & 68 Lots start at $16,400

10

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

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 $289,000 54 acres, 34 wooded, river MLS# 39261 $172,800 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 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

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

Dillwyn Nice 3 bedroom, 1 1/2 bath home built 1984.

Second building. Storage shed with lean-too.

MLS# 39096 $139,900

Cumberland County 3 bedroom, 2 bath between Farmville and Cumberland C.H. Outbuilding. 3 acres open.

Priced to SELL MLS# 38847 $85,000

Cumberland County 89.475 acres, wooded MLS# 39135 $268,420 90 acres, wooded MLS# 39262 $225,000 8.42 acres, wooded MLS# 31755 $27,500 7.1 acres, wooded MLS# 35696 $26,000 3 acres, wooded MLS# 31752 $13,000 Nottoway County 1.25 acres, wooded MLS# 32562 $20,000 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

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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

12

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Rebecca P. Simpson $GYDQWDJH 3OXV 6RXWK 0DLQ 6WUHHW )DUPYLOOH 9$

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 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

16

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

Patriot Ridge Shopping Center Development. Rt. 60 Cumberland Co. 20.6 acres. Site plan w/ lots approved. $875,000

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

434-547-7263 Cell

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. $234,900 off the back. Property is surrounded storage area. Shed $182,000 by farmland. $169,000

MLS 38305 Buckingham Co. 3 Bedroom, 2 1/2 Bath Cape on 2 lots. 10X16 Shed with loft and electricity. Dog kennel w/lights & concrete.

Large Yard $169,900

MLS 38592 Farmville Like new 3 bedroom, 2 bath house with covered front porch, lg deck, patio and shed.

1.5 acres. $165,000

MLS 39016 Prospect MLS 39187 Buckingham Co. 3 bedroom, 2 bath home, Mini farm 5 Bedroom home with many new 37x35 Stable/barn/workshop, 24x40 upgrades. HUGE 30x35 shop 2 stall barn, Fenced fro horses. Gold fish pond. Large side porches and front with 200 amp service. This home is ready to move in! $149,900 porch. Private 4 acre setting. $149,900

MLS 38397 Charlotte CH Large 3 bedroom, 2 bath doublewide, 1.5 acres. Front and back decks. $84,900

MLS #36657 Several Beautiful Building Lots on 740 acre Sandy River Reservoir.

(Most lots Water Front) $75,000 to $99,000

MLS 38641 Farmville, PE Co New construction. 3 bedrooms, 2 baths, vaulted ceiling in living room, chair rail in dining area.

Attach 2 car garage. Can't beat the quality and the price! $167,900

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

MLS 39217 Meherrin, Lunenburg Co. 3 bedroom, 3 bath house has been remodeled to an open floor plan.

Kitchen has lots of cabinet space with a bar. Basement is partially finished with family room and full bath. Pool with deck. 2 sheds w/electric. $155,000

MLS 38614 Appomattox 3 bedroom, completely remodeled.

Floored attic for possible storage or expansion. Hardwood floors, Nice yard. $124,900

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

103 A Paulette Circle Lynchburg, VA 24502

Embrace Home Loans, Inc. NMLS ID # 2184 (www.nmlsconsumeraccess.org) is licensed in VA.

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ZK< Z ' WWZ /^ > ttt͘ Ky K'ZKhW͘E d Z Ed >^ /E^hZ E

Call Now

434-983-9965 for more information on any property!

Shawn Bolden Principal Broker

to stay up-to-date with new listings! Facebook.com/UCTricounty Renovated Home in Farmville

Longwood University Alumni

US Marine Corps

Split Level Home in Crewe

3 bedroom, 2 bath home on 2 acres in Prince Edward County. Open floor plan, walk-in closets, Move-in ready! $115,900

3 bedroom, 2 bath home with partial unfinished basement.

Double lot convenient to US460 and US360 providing easy commute to Richmond, Farmville and Blackstone. $135,000

Historic Home on Main Street

111 Acres in Dillwyn w/2 Stocked Ponds

4 bedroom, 2 bath home in the town of Dillwyn on main street. Many upgrades. Original hardwood floors and 6 inch base molding.$149,900

If you are looking for privacy, you have found it!

2 stocked Ponds, creek, and plenty of planted pines with trails throughout. $185,000

UCTriCounty.com

Shawn@UCTriCountyRE.com Great Location in Buckingham

3 bedroom, 2 bath near the High School and Courthouse. Great Community. 2+ Acres. A Must See! $115,000

For Sale or Lease! PRICE REDUCED!

Many possibilities! 7+ Acres. 8 bedrooms, 4 full baths.

Full walk-out basement. 2 Garages. Zoned Commercial or Residential. $315,000

Auction Services Available!

Absolute or w/ Reserve:

Real Estate Resources like Timber and other assets Shawn Bolden VA Auctioneer #290800098 434-983-9965

United Country Real Estate - "National Marketing. Local Expertise"

*Call our office for details - Most offices independently owned - 17076 Oak Street, Dillwyn, VA 23936

27

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Kenbridge Office

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

Johnny Seamster 434-480-0122

www.MOPVA.com

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Rick Gina Robert Kelly Tetterton Carlo Raymond Chaney 434-480-0905 434-547-8185 434-247-9490 804-536-7126

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(434) 917-3955

SarahBrewerHall@gmail.com

Clarksville MLS 58694 5 bedrooms, 3 baths. Large Deck, Private Dock. $319,000

Clarksville MLS 58828 Waterfront Lots (4.12 Acres) on Buggs Island/ Kerr Lake main channel. $229,000

Halifax MLS 59520 3 bedrooms, 1 bath.

Quiet Neighborhood.

Heat Pump. $82,000

Chase City MLS 58041 2 bedrooms, 1 1/2 baths.

2.5 Acres. Attached Garage and Outbuildings. $70,100

Victoria MLS 59986 3 bedroom, 1 bath.

2.5 Acres. Full unfinished basement. $69,900

Chase City MLS 59102 2 bedrooms, 1 bath.

2.45 Acres.

Storage Building/Carport. $69,900

Chase City MLS 58803 23.83 Acres. Stream and Views. Possible Owner Financing. $69,900

Red Oak MLS 57497 12.12 Acres. Creek, Pond, 24X56 Metal Storage/Workshop. $60,000

503A East Atlantic St * South Hill, VA 23970 5192 Barnesville Hwy., Red Oak, Va. 23964

Chase City MLS 59949 3 bedrooms, 2 baths.

35.89 Acres. Hot tub, Garage. $199,900

Keysville MLS 60201 3 bedrooms, 3 baths.

1.9 Acres. Outbuilding.

Immaculate. $100,500

Chase City MLS 59749 3 bedrooms, 1 bath.

Almost 1 Acre. New Updates. Carport and Shed. $69,900

Chase City MLS 60356 5 bedrooms, 2 baths.

2600 sqft. Sunroom.

Workshop. $69,900

Boydton MLS 59985 3 bedroom, 1 bath.

Currently rented. Renter would like to stay! $50,000

Chase City MLS 60430 3 bedroom, 1 bath.

Nice Quiet Neighborhood.

Great Investment. $39,000

Keysville MLS 58907 .55 Acres. In town.

Public Utilities. $22,500

Clarksville MLS 57172 1 Acre. Great for walk-out basement.

Prestwould. $17,250

31

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