Real Estate Weekly 12.06.2012

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Real Estate Weekly www.cAAr.com

CAAR

vol. 21 no. 49 n december 6 - december 12, 2012

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A PublicAtion of the chArlottesville AreA AssociAtion of reAltors® Charlottesville, Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, Orange, Staunton, Waynesboro

Pleasant Grove Manor

luv anna’ F s Preserves its Rich History Historical society

By Celeste M. sMuCker, PhD

How to Improve Your Credit SCore

d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2 | I s s u e 21 - 4 9

Wishing You & Your Family a Warm and Wonderful Holiday Season!

1798 Monocan Drive

Exceptional 4 bedroom / 4 bath, one level brick home on a private, level lot. Superb craftsmanship, granite surfaces, skylights and separate guest suite/apartment equipped with kitchen and laundry. Many accessible features. Lovely stamped concrete driveway. Interior finish work is upscale. Energy Efficient. Fenced back yard and wooded lot. 1 Year Buyer Home warranty provided. Many upgrades. Built by ROBB CONSTRUCTION. MLS#499887 $499,000

357 White Cedar Road

Spacious home on a larger desirable nearly 1 1/2 acre lot with a large fenced backyard and an incredible front porch. The home features 4 BRs, 2 1/2 BAs, large living room with gas fireplace, spacious family room, elegant dining room and a sunny eat-in kitchen. Master suite includes an updated bathroom with a large shower and jetted tub. The master walk-in closet is spacious with built-in wardrobes and upgraded shelving. MLS 500830 $304,900

Cheryl Norman

Ginny Nelson

Ginny Nelson

434-962-0023 - Cell

434-466-8333 - Cell 434 817-9200 - Direct

434-466-8333 - Cell 434 817-9200 - Direct

cherylnorman@realestateiii.com www.cherylnormanhomes.com

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

247 River Crest Road

Exquisite home on a beautiful, level lot. Two story living room with galley walk. Loads builtins, huge multi-level deck, delightful front porch, on-grade 2 car garage, partially finished basement with sauna. Come and discover this wonderful area only 13 miles from Pantops!

Close to Zion Crossroads shopping. Four bedrooms, finished bonus room with bath, home office or studio. Featured in The Hook’s November 22 issue. MLS 503390 $279,900

3676 Toms Road

Like New One Level Home on 2.20 Acres with Views. Located minutes from NGIC and near “Rivanna Station”. Great Room and Master Bedroom with vaulted ceilings.Kitchen with custom Hickory cabinets.3 Spacious Bedrooms, Master Bath with Whirlpool,Ceramic Tile, Shower. Oak Floors in Foyer, Great Room,Dining and Kitchen. Bonus Room/Office. Large walk-out Basement w/roughed-in plumbing. MLS 474390 $259,000

re3gnelson@embarqmail.com

207 Willow Drive

Quality, custom home offers one level living with an expansive unfinished basement for storage or future expansion. Large great room with fireplace and built-in bookcases, eat-in kitchen with hickory cabinets, and spacious dining room. Private master suite with walk-in closet and luxury bathroom. The floor plan features “split bedroom design.” Great outdoor living space on the porch/ expansive deck that overlooks private yard. MLS 504220 $424,900

re3gnelson@embarqmail.com

3521 Marlboro Court

Move-in ready and well maintained home in desirable Carrsbrook! Located on a cul-de-sac w/over an acre and a half of land. Large wrap around front porch. Spacious living room with hardwood floors, over-sized windows, and fireplace. Large master bedroom with bath featuring double sinks, soaking tub, and separate shower. Full unfinished walk-out basement has tall ceilings, multiple windows and roughed in plumbing. MLS 504451 $299,900

Thelma Bailey

Roger Mahloch and Todd McGee

434-981-3290 - Cell 434.817.9200 - Office

Cell: 434-242-2686 mahloch@me.com RogerMahloch.com

tbailey1@aol.com

Cell: 434-882-1327 tmcgee@embarqmail.com BuyCharlottesvilleHome.com

www.RealEstateIII.com 29 North 434.817.9200 • Crossroads 434.589.0777 • Downtown 434.977.3003 • Faulconer Drive 434.817.9300 Glenmore 434.817.9600 • Rio Square 434.817.9800 • Toll Free 877.979.7464

I s s u e 21 - 4 9 | d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2

Principal Broker, ABR, SRES, SRS

Patsy@StrongTeam Realtors.com

Kari Rothamel 434-962-7265

REALTOR®, ABR, SRES

Kari@StrongTeam Realtors.com

Daniel Rothamel 434-962-7305

$172,500

$158,000

5 Longwood PLace

41 woodLawn drIVe

23 ashton road

20 Forest drIVe

4 BR | 2 BA | 2276 FIN. | 1088 UNFIN.

New CoNstRUCtIoN to Be Completed by April.

3 BR | 2.5 BA | 1700 FIN.

3 BR | 2 BA | 1400 FIN. | 336 UNFIN.

1308 sf fin, Garage, Vaulted Greatroom w/Gas-log FP, Hardwoods, Open Kitchen w/Breakfast Bar, Brushed Nickel Finishes, Tilt Formica/Granite Countertops, Maple Cabinetry, Double-door walk-in Closet in Master, Deck.

Move-in Ready Contemporary with lrg. 1st Fl Master. Beautiful Rustic Heartpine Flooring in Vaulted Greatroom and Home Office/Den--Mexican Terracotta Tile in Kitchen & Dining Rm. MLS# 504506

Lovely Vaulted Rancher w/Screened Porch on Level Homesite - With Lots Of Backyard Privacy! Large Open Kitchen w/Built-in Desk, Breakfast Bar, Pantry - plus Full Walk-in Laundry Rm off Kitchen MLS# 504484

$245,000

$485,000

$314,000

Gorgeous colonial on .72/Acre with seasonal waterviews & lots of Southern charm! Open Greatroom w/brick FP, Sunroom/Home Office w/Views.

Open Kitchen w/Maple CabinetryBreakfast Bar. MLS# 504840

New to the Market in

REALTOR®, ABR, SRES

Daniel@StrongTeam Realtors.com

Work with Fluvanna County/ Lake Monticello’s

Top ReaL esTaTe TeaM:

$158,500

Fluvanna County!

1

#

in Homes Listed & Sold Since 2002

1

#

in Buyers Again in 2012

40 robIns court

20 VIne rIdge drIVe

144 otter court

3 BR | 2.5 BA | 1996 FIN. | 1472 UNFIN.

3 BR | 3 BA | 3164 FIN. | 600 UNFIN.

5 BR | 3 BA | 3400 FIN. | 484 UNFIN.

No One Knows This Market Better Or Sells More Homes Here!

sycamore square! Open Greatroom w/Gas FP, Morning Rm off Kitchen, Granite Countertops, Pantry, Hardwoods, Mud-Coat Rm at Garage, Nice Master Suite, Large Unfin Basement MLS# 504303

waterfront! Stunning All-Brick Rancher with Finished Basement & Gentle Walk To Water! Over 105-ft of Waterfrontage-Dock! Vaulted ceilings, Open Foyer w/Skylight, 2 FPs, Lrg.Vaulted Master. MLS# 503803

Beautiful Rancher w/spacious 2nd Fl for guests. 1st Fl Master w/2 addl BRs on Main Level plus 2 BRs Upstairs. HardiPlank & Brick Exterior, Split Bedroom Main Level for added Privacy MLS# 503582

Watch Our Websites For Daily New Listings - Be The First To See Them:

www.StrongTeamRealtors.com • www.LakeMonticelloProperties.com

CAAR Real Estate Weekly | www.cAAR.com

Patsy Strong 434-996-4606

$238,500

d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2 | I s s u e 21 - 4 9

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417 Park Street, Charlottesville, VA 22902 2%$&)%,$3

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FREE

Real Estate Weekly

vol. 21 no. 49 n december 6 - december 12, 2012

www.cAAr.com

CAAR

.

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2

A PublicAtion of the chArlottesville AreA AssociAtion of reAltorsÂŽ Charlottesville, Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, Orange, Staunton, Waynesboro

luvanna’s FPreserves its Rich History

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Historical society

By Celeste M. sMuCker, PhD

How to Improve Your Credit SCore

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Sonja Casero, (434) 981-3523 Multi-Million Dollar Top Producer for over 20 years Consistent Award Winner Hall Of Fame

Over $13 Million Sold in 2010 Native of Charlottesville with over 25 years of local Real Estate Experience. Hall Of Fame

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By Celeste M. sMuCker, PhD

Issue: ). %6%29

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CAAR Real Estate Weekly | celebrating 20 years 1992-2012

Call Sharon, (434) 981-7200

luv annaâ&#x20AC;&#x2122; F s

Homes for Sale in Every Price Range ............ 7

feature

Fluvannaâ&#x20AC;&#x2122;s Historical Society Preserves its Rich Historye ......................... 12

By Celeste M. sMuCker, PhD

home finance

How to Improve Your Credit Score ............... 22 By roger a. varner, II

Home Sales Stats........................................ 23 Advertisers Index......................................... 23

PAGE

22

How to Improve Your

Credit

SCore By roger a. varner, II

I s s u e 21 - 4 9 | d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2

Roy Wheeler Realty Co. Celebrating Over 85 years of Trust, Tradition, and Market Leadership Ednam Hall • 1100 Dryden Lane • Charlottesville, VA 22903 • (434) 951-5155 • Fax (434) 951-5190

Email: homes@roywheeler.com

www.RoyWheeler.com

OPEN HOUSES Sunday, december 9th

28 acre Lane

600 Peachcroft Lane

1215 temPLeton circLe

EARLYSVILLE CONTEMPORARY on almost 4.5 acres. Light-filled home features bay window in the dining area, eat-in kitchen, wet bar in the great room, vaulted ceilings in living and master bedroom, steam bath in master bath, bath plumbed in the unfinished basement and much more. Short walk to the reservoir. $458,000.

WONDERFUL CAPE COD with 1st floor master, 2 good-sized bedrooms and bath upstairs, home office in the bonus room over 2 car garage, many recent improvements. Adjoining buildable lot has a fantastic garage/workshop, truly a hobbyist’s dream. Minutes to shopping, NGIC, Hollymead Town Ctr. $524,900.

QUALITY-BUILT RANCH at “The Acres” at Lake Monticello offers one-level living at its finest! Open floor plan, finished sun room, hardwood floors, vaulted ceiling, kitchen with breakfast nook, luxury master suite. Immediate occupancy possible. Located on a private, 1 acre lot. $234,200.

Directions: From Hydraulic, take Earlysville Rd., left on Woodlands, right on Reas Ford Rd. cross over bridge and left on Peachcroft Lane, bear right to house on hill.

Directions: Earlysville Road (743) past the reservoir to right on Rio Mills Road (just past Bedford Hills), left on Templeton Circle.

Directions: From LM Main Gate, left on Jefferson Drive approx. 3.5 miles, L on Turkey sag, R on Acre lane, home on the right. Bring this ad for admittance at gate.

2539 a&B WoodLand drive

37 Wexford ridge road

Time: 1-3 pm Hosting Agent: Kathy Markwood

www.MaupinGroup.com Warren Maupin, 962-8939. (504661)

Time: 1-4 pm Hosting Agent: The “YES” Team

The “YES” Team, Yonna & Keith Smith.

531-0817/531-0795. (504844)

Time: 1-4 pm Hosting Agent: Mike Peters UVA DUPLEX. Near Grounds, Hospital and bus line this attractive side-by-side duplex is rented on one side and newly remodeled on the other. Perfect for student housing and investment. Each unit has 4/5 bedrooms, 2.5 baths, hardwood floors, and finished basements. Live on one side, income on the other! $419,900.

Mike Peters 951-5119/981-3995. (504749) Directions: From JPA turn on Cleveland to right on Woodland to property on right. INCLEMENT WEATHER CANCELS.

Time: 2-4 pm Hosting Agent: Matthew Woodson DECEMBER COMPLETION. This upgraded “Berkshire” model has hardwood floors, granite counters, gas fireplace, built-in cabinets, 9’ ceilings, stainless steel appliances, 4 bedrooms and 2.5 baths - the list goes on and on. $399,000.

MatthewWoodsonProperties.com 960-5187.

(501463) Directions: U.S. Rte. 29 North to Left on Fray’s Mill Rd (SR 641) for half mile to Right on Spring Hill Rd (SR 606) for one mile. Left into Wexford, stay right at Y, Home on right.

80 turkey trot court Time: 12-5 pm Hosting Agent: Susan Stewart

A SPECIAL OPPORTUNITY to tour the Spring Creek Community. Spring Creek is rated one of Virginia’s best golf communities with deluxe amenities to include gated entrance, golf club, fitness center, pool & tennis. A variety of home sites are now available at reduced prices. Appointments necessary, call for an available time. susanstewart76@gmail.com Susan Stewart 434-242-3550.

Directions: I-64 to Zion Crossroads exit, North on 15 to Spring Creek entrance on Left.

CAAR Real Estate Weekly | www.cAAR.com

FI O N W A N N E C R IN G

www.KathyMarkwood.com 985-6454. (504815)

Time: 2-4 pm Hosting Agent: Warren Maupin

Open Houses

A Virginia Tradition Since 1927

Open Houses

d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2 | I s s u e 21 - 4 9

open

6733 WELBOURNE LN OLD TRAIL DET MLS# 502527 $579,900 3 PENDOWER LN GLENMORE PDT MLS# 495984 $519,900

house

1119 CAMBRIDGE HILL LN GLENMORE PDT MLS# 498157 $826,825

quick search december

8 th

&

9 th

911 DEVILS KNOB LOOP WINTERGREEN MOUNTAIN VILLAGE DET MLS# 503394 $499,000

SUNDAY

12.9.12

646 BAYWICK CIR OLD TRAIL ATH MLS# 491033 $628,925

Albemarle

SATURDAY

2057 AVINITY LOOP AVINITY ATH MLS# 500083 $288,200

2461 PENDOWER LN GLENMORE DET MLS# 503423 $799,900

101 WICKHAM POND DR WICKHAM POND PAT MLS# 503520 $217,990

Albemarle

2293 WHITTINGTON DR PAVILIONS AT PANTOPS ATH MLS# 502237 $294,900

6782 WELBOURNE LN OLD TRAIL DET MLS# 502962 $898,525

5 BRIARWOOD DR RIVERWOOD PDT MLS# 486184 $301,990

augusta

126 WHISPERING HOLLOW LN PAVILIONS AT PANTOPS PAT MLS# 499900 $222,990

12.8.12

101 WICKHAM POND DR WICKHAM POND PAT MLS# 503520 $217,990 126 WHISPERING HOLLOW LN PAVILIONS AT PANTOPS PAT MLS# 499900 $222,990 103 SILK WOOD CT RIVERWOOD PAT MLS# 498752 $234,990

1080 OLD TRAIL DR OLD TRAIL ATH MLS# 494797 $308,277 2 WICKHAM WAY WICKHAM POND PDT MLS# 498367 $319,990

Open hOuse

13 GLEN VALLEY DR OLD TRAIL PAT MLS# 501091 $353,800

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

Nelson

open sunday, december 9th 1-3 pm 375 Westfield road As you enter this completely updated manor home, you experience a spacious LR, DR & Kitchen with cathedral ceilings, oak flooring, rich looking 42” natural cherry kitchen cabinets, stone tile backsplash w/tile glass accents, new appliances, gas fp in a spacious downstairs FR. This manor home has an unusually large sunny yard for gardening & play. A small playground is across the street. Ideally located near all services & 1 block to bus line. MLS# 503996 $234,000 linda broadbent 434-960-0375 • lmbroadben@embarqmail.com hosted by: Genevieve strong directions: Commonwealth (at Comcast) to Westfield. First house on left facing Westfield

5506 SUMMERDEAN R WESTHALL PDT MLS# 501683 $360,225 2819 SHANNON GLEN CT WILLOW GLEN DET MLS# 502381 $429,900 5623 UPLAND DR OLD TRAIL ATH MLS# 484463 $394,900

Open Saturday December 8th - 10

11 FOREST CT WINTERGREEN MOUNTAIN VILLAGE DET MLS# 504789 $895,000

Charlottesville 102 LONGWOOD DR LONGWOOD ATH MLS# 484693 $239,900

fluvanna

1489 ASHLAND DR FOREST LAKES SOUTH ATH MLS# 503477 $244,900 2057 AVINITY LOOP AVINITY ATH MLS# 500083 $288,200

203 AUGIE ALLEY SYCAMORE SQUARE PAT MLS# 487523 $159,990

2293 WHITTINGTON DR PAVILIONS AT PANTOPS ATH MLS# 502237 $294,900

83 JUSTIN DR SYCAMORE SQUARE PDT MLS# 463625 $239,990

5 BRIARWOOD DR RIVERWOOD PDT MLS# 486184 $301,990

GREENE

1080 OLD TRAIL DR OLD TRAIL ATH MLS# 494797 $308,277

130 LONGFORD DR WEXFORD DET MLS# 495549 $398,000 59 LARCHMONT CIR GREENECROFT PDT MLS# 504005 $274,990

louisa

Home just remodeled and shows like new. Upgrades include: 30 yr. shingles, siding, gutters, walkway, driveway, porch area, doors, flooring, paint, double hung windows, fixtures and stainless steel appliances. Fenced back yard for your pet. The almost one acre lot is one of the nicest lots in Twin Lakes. Year round mountain views. A must see, move in ready and will sell fast. $157,650 Directions: From Rt. 29 to Rt. 33 W. to left on Rt 633(Amicus Rd). Go 2.3 miles on Amicus and take a right into Twin Lakes(E. Daffodil). Take E. Daffodil to stop sign and take a Right onto Geranium. House is 2nd. on Left.

David Dunahoo

EXIT CORNERSTONE REALTY

15367 Brandy road, Suite a • CuLPePer, Va • (540) 825-9898

137 TURKEY TROT LN SPRING CREEK PDT MLS# 493439 $304,990 137 TURKEY TROT LN SPRING CREEK PDT MLS# 493546 $334,990

1119 CAMBRIDGE HILL LN GLENMORE PDT MLS# 498157 $826,825 646 BAYWICK CIR OLD TRAIL ATH MLS# 491033 $628,925 2461 PENDOWER LN GLENMORE DET MLS# 503423 $799,900 6782 WELBOURNE LN OLD TRAIL DET MLS# 502962 $898,525

Charlottesville 102 LONGWOOD DR LONGWOOD ATH MLS# 484693 $239,900 104 BAYLOR PL CARTERS VIEW DET MLS# 502518 $379,900 2539 WOODLAND DR NONE ATH MLS# 504872 $419,900

fluvanna 83 JUSTIN DR SYCAMORE SQUARE PDT MLS# 463625 $239,990

GREENE 59 LARCHMONT CIR GREENECROFT PDT MLS# 504005 $274,990 96 PINE TREE DR PREDDY CREEK DET MLS# 504894 $325,000

2 WICKHAM WAY WICKHAM POND PDT MLS# 498367 $319,990

130 LONGFORD DR WEXFORD DET MLS# 495549 $398,000

13 GLEN VALLEY DR OLD TRAIL PAT MLS# 501091 $353,800

37 WEXFORD RIDGE RD WEXFORD DET MLS# 501463 $399,000

56 BEAR ISLAND PKWY SPRING CREEK DET 5506 SUMMERDEAN RD PDT MLS# 492369 WESTHALL am-3 pm $497,300 MLS# 501683 $360,225

60 Geranium Road, Ruckersville

Phone: (540) 825-9898 Cell: (540) 219-3874 Fax: (540) 825-2081 Dave@ExitCornerstone.com

103 SILK WOOD CT RIVERWOOD PAT MLS# 498752 $234,990

3 PENDOWER LN GLENMORE PDT MLS# 495984 $519,900

2819 SHANNON GLEN CT WILLOW GLEN DET MLS# 502381 $429,900 600 PEACHCROFT LN NONE DET MLS# 504815 $458,000 5623 UPLAND DR OLD TRAIL ATH MLS# 484463 $394,900 6733 WELBOURNE LN OLD TRAIL DET MLS# 502527 $579,900

louisa 56 BEAR ISLAND PKWY SPRING CREEK DET MLS# 492369 $497,300 137 TURKEY TROT LN SPRING CREEK PDT MLS# 493439 $304,990 137 TURKEY TROT LN SPRING CREEK PDT MLS# 493546 $334,990

All information deemed accurate as of 10:00 a.m.

Tuesday, December 4th 2012 as per CAAR MLS Open House data.

ATH=Attached • CND=Condominium • DET=Detached FRM=Farm PDT=Proposed Detached PAT=Proposed Attached PCD=Proposed Condominium

I s s u e 21 - 4 9 | d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2

Open Houses

HOMES FOR THE

3775 E RIVER ROAD COLUMBIA - FLUVANNA

First-Time H OMES

$ 25 0 , 0 0 0

&

UN D ER

LEWIS JOHNSON 434-842-3556

5406 Union Mission Lane CRoZeT - FoR saLe BY oWneR

Hollymead Square Just renovated, 3 bedroom, town home style condo in a great location between Forest Lakes North and South. Close to schools and shopping. Great investment opportunity or first home buyer. Financing available with as little as 5% down. Offered at $149,000.

MLS 496873.

Affinity Group

www.CharlottesvilleMoves.com (434) 296-0007

1770 Timberwood Blvd. Suite 101 • Charlottesville, VA 22911

434.466.4634

Homes in every

For Price Sale Range!

BLUE RIBBON REALTY, INC.

Lovely 4 Bedroom, 2.5 Bath Cape Cod on 1/2 acre in the country. Approx 2200 s.f. First Floor Master has 2 skylights.

Hardwood floors & brick Fireplace with nice insert. Full bsmt makes a GREAT gameroom. Landscaped patio with water garden. Large garage. BEST VALUE IN CROZET. $209,000

CARYS CREEK RoAd foRK union Beautiful & private 200 acres fronting Carys Creek Rd. Approx. 100 acres of crop and pasture land. Bold Martins Branch crosses the property. Property located just down stream from the old Hughes Gold Mine tract. Possible gold deposits on this tract. Also, Dept. of Minerals maps show extensive area of slate deposits on the Eastern portion of property. Elevated building site near middle of tract. Level to rolling terrain. Miles of gravel road & old railroad bed for riding . MLS# 495821, $585,000

HERITAGE HARold PAYnE 434-981-0071

LAnd CompAny realtors®

CAAR Real Estate Weekly | www.cAAR.com

Home Buyer

NOW ONLY $185,000! 3 Bedroom home situated on 1.996 Acres with 2 fireplaces, Florida Room, lots of windows, plenty of closets, hardtop drive, beautifully landscaped setting.

MLS # 504380

d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2 | I s s u e 21 - 4 9

CAAR REAL ESTATE WEEKLY

NEWS 6)%73 Aging In The “Village” While close to 90 percent of Americans 65 and older report that they want to remain in their own homes as they age, the realities of home maintenance and the personal challenges of aging can make this only a wish. One successful model for overcoming these obstacles is currently gaining acceptance nationwide -- the “Village.”

To help to create awareness for the Village system within local communities, the Jefferson Area Board for Aging (JABA) is working to connect those interested with the information and resources needed to get started.

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

The Village Model At its simplest, a Village is an organized network of volunteers dedicated to helping older neighbors re-

main in their homes. Each is unique, with a business model tailored to the needs of the community. Most charge an annual fee, for which members receive help managing tasks such as household repairs and maintenance, errands, pet and yard care, transportation and referrals to vetted service providers. Some Villages are run entirely by volunteers, while others have a paid staff.

“We have seen just how effective the Village model can be,” says JABA’s Manager of Volunteer Services Martha Williams. “But, to be successful it must be from the grassroots.

This is not a top-down approach but one that is created from the ground up by like-minded neighbors who are looking at options for aging in place in their own home and in their own neighborhood. We know that there is a lot of interest locally and this is very exciting. In response we are helping to make available information on the Village system and to facilitate the formation of neighborhood

Holiday Deadlines

Real Estate Weekly

What’s Happening Around Town?

CAAR

news & Views

Issue 2152: On the Stands December 27th, 2012

Issue 2201: On the Stands January 3rd, 2013

Reservations: Thurs, December 13th, 5pm

Reservations: Thurs, December 20th, 5pm

Materials: Friday, December 14th, 5pm

Materials: Friday, December 21st, 5pm

Final Corrections: Thurs, December 20th, 5 pm

Final Corrections: Thurs, December 27th, 5 pm

Offices Closed December 24th & 25 And December 31st & January 1st

groups. We’re encouraging people to contact us if they think this would be right for their neighborhood.”

Those interested in learning more about the Village model and what is happening in the Charlottesville area should contact Martha Williams at mwilliams@jabacares.org, (434) 8175245.

JABA (the Jefferson Area Board for Aging) serves the city of Charlottesville, and the counties of Albemarle, Fluvanna, Greene, Louisa and Nelson. JABA cares about all aspects of senior and intergenerational welfare. The nonprofit organization works to promote, establish and preserve sustainable communities for healthy aging that benefit individuals and families of all ages.

For information on JABA and answers to other aging related questions, contact JABA at (434) 8175222 or visit the website www.jabacares.org. News about JABA can also be found on Twitter @JABAcares, on Facebook at JABA Charlottesville and the JABA blog at www.jabacares. wordpress.com.

Oakland School’s 23rd Annual Horse Holiday An Oakland tradition for over 20 years, Horse Holiday is a unique event that honors our equestrian friends for their work and dedication to Oakland. This year Horse Holiday will be held on December 11 at 3:00 p.m. at Oakland School, Boyd Tavern, 128 Oakland Farm Way, in Keswick.

Dressed in festive holiday attire, the horses and riders parade from the barn to the schoolyard where a holiday tree adorned with carrots and apples awaits. Horse Holiday is a tradition that serves as a way for students to give thanks to their equine friends for all that they do through-

out the year to make the equestrian program at Oakland a truly wonderful experience. Student riders learn responsibility and build their self-esteem and confidence in the program.

Oakland School is a small day and boarding school for bright girls and boys ages 6 to 14 with learning differences or who struggle in a traditional learning environment.

Oakland School offers individualized academic programs that incorporate multi-sensory teaching, daily one-to-one instruction and small class sizes (5:1 student to teacher ratio) to ensure the success of each student. In addition to academics, students participate in a wide variety of recreational activities including horseback riding, sports, art, music and nature activities. All teachers are certified by the Commonwealth of Virginia and 75 percent have master’s degrees or higher. Oakland is located just east of Charlottesville near Keswick, Virginia. The tranquil setting and historic 450-acre property make Oakland School an ideal learning environment.

To find out more about Oakland School, visit www.oaklandschool.org

GOT NeWS?

Email your news related topics to joannedimaggio@ embarqmail.com

I s s u e 21 - 4 9 | d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2

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ooking for total privacy, nature and “roughing it without roughing it”? Then this unique 11.18-acre “camp” is perfect for you.

Located in Wintergreen's back country parcels and bordered by a very bold Stoney Creek, this amazing cabin has it all. Size is 24 X 32 including front and side porch with 1 BR on the first floor plus a second floor BR with an extra sleeping balcony. Great room has a masonry fireplace. There is a large, secured storage area underneath. Spring-fed water, propane kitchen and heaters. Wood flooring. 10 x 16 guest cabin plus a bath house between the cabins. Great mountain views. Furnished. Tools and equipment convey, as well as a 1990 Blazer for getting there!

Listen to and see Shingle Creek from the front porch. No electric or well but does have an old generator that conveys and an ingenious filter hook-up for gravity-fed water from the spring.

Wonderful getaway family compound or hunting camp. Minutes to Nellysford for shopping or dining yet totally off the grid. Owner financing could be available with an acceptable offer. $189,000

frY SPringS nEigHBorHood

201 clEvEland avEnuE 325,000 Close to UVa and downtown, this charming 3-bedroom bungalow, circa 1938 on a large, lovely wooded lot, with hardwood floors, central heat and air, a new roof, 200 amp electric service, a detached garage, on the bus line and walking distance to UVa and downtown. MLs# 503765

Joan JaY desk & voicemail 434-295-1806 mobile 434-906-1806 • joanjayrealtor@gmail.com

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MITCHELL RD, CuLPEPER CO. 2 Bedroom, 2 Bath Bungalow 3.23 Fairly Level Acres Property Sold “As Is” MLS# 504555 $60,000 JuLIE HOLbROOk, 434/989-4415

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Classic 50’s Brick Rancher Two/Three Spacious Bedrooms Lg Living Room & Eat-in Kitchen, Family Rm w/FP Hardwood Flrs, Freshly Painted Interior Nearly Level Lot. MLS# 503836 $216,500 robertr@charlotteramsey.com

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CARODON - CONVENIENT LOCATION Private Lot, 2 Car Garage Well Maintained 3 BR, 2.5 BA Home on 1.05 AC Fam Rm w/FP, Home Office, Eat-in Kit Well Landscaped Back Yard – Nearly Level & Great for Entertaining MLS# 503345 $223,500

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GREAT OPPORTuNITy TO OWN yOuR FIRsT HOME! Good Condition and Move-In Ready 1790 Finished Sq Ft. 3 BR, 2 Full Baths Open Living Rm & Lg Kitchen, Woodburning FP All on 1.42 Acres. Close to Shopping & Amenities MLS# 504757 $67,900

bEAGLE GAP RD, GREENWOOD! Homeowner or Investment Opportunity 3 BR, 1 Full Bath & 2 Half Baths Living Rm, Dining Rm Full Basement w/Family Rm Fenced Yard. Extensive Decking MLS# 503958 $112,500

JuLIE HOLbROOk, 434/989-4415

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4 BR, 2.5 BA, LR, 1st Floor Master, 2nd Story Family Rm Full Unfin Basement w/Outside Access. 5.18 Acres Bright & Spacious and Move-in Ready MLS# 504124 $188,000

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ONE LEVEL LIVING - 3 bR, 2.5 bA Spectacular Views of Greene Hills Golf Course & Blue Ridge Mtns. Stunning Hdwd Flrs Throughout Spacious Updated Kitchen. Situated on Nearly 2 Acres Oversized Detached Garage W/Finished 2nd Level Private Swimming Pool w/Pool Hse & Separate Bath MLS# 498075 $299,000

bEAuTIFuL A-FRAME HOME ON NEARLy 4 ACs 3 BR, 2 BA Plus Lg Great Rm, Eat-in Kit, Den/Fam Rm Private Master Suite Upstairs. Full Walk-out Bsmt Wide Wrap Around Porch. Easy Commute to Ch’ville MLS# 503481 $215,000.

JuLIE HOLbROOk, 434/989-4415

MARGARET RAMsEy, 434/953-7057

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sPACIOus uPGRADED MODEL IN PREDDy CREEk!

3 BR, 2 Full BA, Hdwd Floors, Ceramic Tile Bsmt Storage w/Outside Entrance Oversized City Lot. Mountain Views Easy Access to I-64, Rts 250 & 340 New Roof & Plumbing in 2008 MLS# 503665 $149,000

Prime UVA Area Triplex Charming Brick Cape Cod 2 Apartments in Main House Plus Detached Garage Apartment Leased For 2012-2013 School Year MLS# 497364 $399,900 robertr@charlotteramsey.com

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RObERT RAMsEy, 434/242-2280

5 BR, 3.5 BA. Wonderful Finished Bsmt & Garage Large Deck. Fenced Yard w/Picnic Area & Playground Amish Blt Shed. Easy Access to Schools, Shopping, NGIC & Airport. NO HOA! MLS# 503134 $325,000

MARGARET RAMsEy, 434/953-7057

CAAR Real Estate Weekly | www.cAAR.com

1434 PLyMOuTH ROAD

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www . M ontague M iller. com New to the Market

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WeSTeRN ALBeMARLe

3.36 acres! Views from porch! Lg foyer, formal DR, home office, great room, 1st floor MBR suite, 3 lg BRs upstairs, screened porch! 2 car garage w/bonus unf storage space! MLS# 504884, $600,000.

Sasha Farmer, 434.260.1435

BARBOURSVILLe

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

2+ acres in a cul-de-sac! Hrdwd floors, kit w/island, cherry cabs, & ss appliances. Full FIN BSMNT w/rec rm, office/ library, & walkout. MBR w/ceramic tile, jetted tub. MLS# 503261, $584,900.

Sal Milione, 434.882.4000

GLeNMORe

Beautiful Two Story with european flair. 1st Level Master, guest rooms on 2nd level. Finished terrace level.

One of a kind & beautifully appointed MLS# 482587. $895,000. Glenmore Marketing Team, 434 .951.7160

GORDONSVILLe

Historic property renovated w/ attention to detail. Located near bank, Visitors Cntr, Town Hall. Owner financing possible. . Zoned B-1. MLS# 499697, $199,000. Yates Nobles, 434.227.4444

GLeNMORe

Gorgeous home boasts interior filled w/FPs, impressive Kit leading to 2-story great rm, screened porch, lg MBR/BA, upstairs play area w/4 BRs (3 w/att.

BAs) lg unfin bsmnt. MLS# 504812, $749,000 Rives Bailey, 434.227.4446

KeSWICK

Thoughtfully designed & beautifully maintained home on 27 wooded acres. Flowing floorplan w/high ceilings, 1st floor MA suite & study for one level living. Screened porch, deck & pool. MLS# 500562, $997,500. Rives Bailey, 227.4446

BARBOURSVILLe

5BR, 2.5 BA on a 4.56 acre lot, w/9FT ceilings on 1st flr, open floor plan, screened porch & wrap deck w/gas FP. Cherry cabinets, granite counters, FR w/ gas FP open to kitchen. MLS# 502670, $469,900. Carol Carder, 434.242.0459

HeART OF THe CITY !

Central to everything. All-brick home w/ wooded back, upgraded kit w/granite, island, stainless steel, & lg bump-out morning rm. FULL FIN BSMNT! In desirable CHeRRY HILL! MLS# 497842, $525,000.

Sasha Farmer, 434.260.1435 www.montaguemiller.com/openhouse

GRAVeS MILL FARM

664 acres. A blend of rolling pasture, hardwood forest, & best views in this area. 3 homes on property, barns, & homesite overlooking a stocked 5 acre lake. MLS# 503056, $4,900,000.

Carter Montague, 434.951.7156

GLeNMORe

Beautiful custom showcase home in an upscale-gated golf community. Built w/quality materials & craftmanship on nearly one acre. MLS# 485265. $935,000. Glenmore Marketing Team.

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NORTH GARDeN

Wonderful custom home on 21 wooded acres. Arts & Crafts detailing, heart pine floors, gourmet kit, generator. Maximum privacy. Mostly hardwood forest, natural area. MLS# 497585, $449,000. Carter Montague, 434.962.3419

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Immaculate property in Still Meadow.

5 BRs, 4.5 BAs w/ample living & storage space. Extensive landscaping w/views from screened porch. Spacious interior, renovated kit. MLS# 502811, $549,000. Rives Bailey, 434.227.4446

CHeRRY HILL

ALL BRICK end unit w/granite counters, 3 story bump-out (brkfast rm, MBR/BA, fin. bsmnt w/space for addâ&#x20AC;&#x2122;l BR) Spacious MA suite w/walk-in closet, sep soaking tub/shower. MLS# 503334, $309,000.

Sasha Farmer, 434.260.1435

PRIVACY IN W. ALBeMARLe

4 BR, 3 Full +2 half BA home nestled on 3+ acres of mature woodlands in Waverly. Bonus room with built-ins, Oak floors, generator backup, & great schools. MLS# 461096. $588,500.

Rives Bailey, 434.227.4446

HOLLYMeAD

Charming story & half w/5BRs/3BAs. Pond & lake views. Fenced back yard w/raised gardens. 2 decks. Fresh paint, ext. landscaping, 2 BRs on main w/full BA & laundry. MLS# 501058, $369,500.

Glenda Howard, 434.981.0839

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FANTASTIC VALUe! Contemporary w/ open floor plan, soaring stone FP, cathedral ceilings & clerestory windows!

Lower level has office, study, full BA, fam rm, 2 car garage. MLS# 486852, $249,000. Alice Nye Fitch, 981.4562

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RUCKeRSVILLe

Private view of woods w/deck & creek.

Neutral colors, tiled BAs & hrdwd flrs.

Wood stove, ss appliances. Family rm, full Ba, & utility rm on lower level. Unfin.area for workshop/storage. MLS# 502048, $205,000. Carla Myrtle, 434.962.8913

DR. TUCKeR HOUSe, C. 1820

An architectural treasure awaiting restoration in historic Buckingham Courthouse. Jeffersonian influences, wellproportioned rooms, 7 FPs, original mantels and flooring. MLS# 496270, $155,000.

Carter Montague, 434.951.7156

CHARLOTTeSVILLe

Extensively renovated 1920’s home near Dtown/UVA Hospital. Updated plumbing/ electric, refin. hrdwd flrs, new ext.decking/ stairs, new paint, appliances, water heater, & more. Off st prking MLS# 501791, $269,000. Rives Bailey, 434.227.4446

IN THe CITY

Unique opportunity! Open floorplan, hrdwd flrs. Upscale Kit. LR, DR, office on main level. 4 BRs/2 BAs on 2nd level, incl. HUGe MBR. Walkout bsmnt MLS# 502029, $295,000.

Rives Bailey, 434.227.4446

OLD BALLARD FARM

Custom Gaffney Home. 6 BR/5.5 BA w/ gourmet chef’s kit, cherry cabs, granite counters, lux MA suite w/FP, marble, heated floors. FR w/coffered ceilings & FP, 3 car garage on 2 acre lot. MLS# 500959, $999,900. Carol Carder, 242.0459

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WeSTeRN ALBeMARLe

Beautiful large country home on 2+ acres w/mtn views! 5 BRs, 4 BAs, huge walkout bsmnt. Hrdwd floors, crown moulding, recessed lights & upgrades. 2 car garage. MLS# 496953, $459,900.

Brian McCauley, 434.465.0696

L A N D O P P O RT U N I T I e S BLUe RIDGe MeADOW

Gem of a lot w/ gorgeous mtn & vista views! Large 21 acre lot in West. Alb nestled onto the side of Bear Den Mtn in Greenwood Highlands. MLS# 494918, $489,000. Carter Montague, 434.951.7156 FIRST TIMe HOMeBUYeRS! Near UVA & downtown, w/easy access to public transportation. Well maintained, freshly painted w/new heat pump, air handler & 10’X12’ storage shed. MLS# 500062, $118,500. S. Lisa Herndon, 434.566.5634

SOUTHeRN ALBeMARLe

ReDUCeD!! 4.8 acre parcel, minutes from Monticello, Ash Lawn-Highland, Trump Vineyards & Blenheim Vineyards. easy access to I-64, UVa, Downtown Cville. MLS# 497146, $90,000. edwina St.Rose, 434.284.0094

434.227.4444 866.435.9764 Charlottesville Downtown

CITY OF CHARLOTTeSVILLe

8 lot development ready to build-out.

2 of 8 lots front on Harris Rd, new road to be installed by developer.

Possible owner financing. Near Fry Springs neighborhoods. MLS# 501870, $450,000 Jamie White, 434.906.3944

GReeNWOOD

elevated mtn top nestled in Blue Ridge.

74.48 AC, 4.5 Miles from Crozet. Several bldg sites, springs, mature hrdwds.

Views to Greenwood/Crozet. Division rights. MLS# 495900, $799,900.

Doug Burke, 951-7122

PReMIeR UVA LOCATION

Bright & spacious, open foyer, formal DR w/bay window. Sunroom w/cathedral ceiling & lg windows, updated MBA, tile/ whirlpool tub, family rm w/FP, 2 acre lot, 2 car garage w/workshop. MLS# 496912, $399,900. Anita Dunbar, 434.951.7135

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OWeNSVILLe RD

elegant, casual 6,000 sq ft one owner custom home on 5+ ac. First floor MA suite.

Beautiful setting, near Meriwether Lewis. Extensive landscaping.

Pool. MLS# 498958, $1,425,000. Trish Owens, 434.825.5393. O/A

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CAAR Real Estate Weekly | celebrating 20 years 1992-2012

luv anna’ F s Preserves its Rich History Historical society

By Celeste M. sMuCker, PhD

In the 1600s when Virginia was still a colony, the King of England created eight local governing units, or shires. At that time, the area we know as Fluvanna was part of the shire of Henrico, now Henrico County. Over the years, this shire was subdivided several times making the area we know as Fluvanna part of Goochland and then Albemarle County before it became its own entity in 1777.

When it was created, the new county borrowed its name from the Fluvanna River, a section of the James named in honor of Queen Anne of England. Today Fluvanna’s history is preserved by the local historical society, which is managed by

full time director Judy Mickelson with the help of an active group of volunteers. The Society manages two museums and an impressive archive of historical documents that are carefully preserved for the benefit of residents, visitors and scholars of Virginia history.

Historical Society Started in 1964 Fluvanna’s Historical Society enjoys strong support from the Board of Supervisors and county residents and is unique in the scope of its acMaggie’s House in historic Palmyra is home to the Fluvanna County Historical Society

photo Courtesy of the fluvanna historiCal soCiety

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895 Jefferson Drive

Adorable 3 Bedroom, 3.5 Bath Cape Cod on corner lot outside of the gates of Lake Monticello.

First floor master suite, hardwood floors, living room w/ vaulted ceiling & fireplace, crown molding, tiled bathrooms, kitchen w/maple cabinetry, tiled counters & upgraded fixtures.

Finished basement w/large family room or rec room, full sized laundry rm. & 1 car garage. All gas home w/ gas range for cooking. Level backyard Built by R L BEYER CONSTRUCTION. MLS# 501270 $189,900

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CAAR Real Estate Weekly | celebrating 20 years 1992-2012

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14 tivities. Back in 1964 when the Society got its start, supporters obtained permission from the Board to use the Old Stone Jail as a museum and as an office. For the Society’s first 40 years, most of its work was conducted out of one of the old jail cells, Mickelson explained.

Over the years, however, they enjoyed exponential growth. In 2003, the late Ellen Miyagawa, with the help of Maggie Conrad, wife of the sheriff, helped secure and renovate a house. Called Maggie’s House, it is next door to the jail and now serves as the Society’s headquarters.

For the last seven years, the Society has been fortunate to have Mickelson’s full time efforts as the director, a benefit that is unusual for a historical society at the county level.

In her job as director, Mickelson has ultimate responsibility for all the organization’s different activities including archival research, operation of the two museums and administration. However she has high praise for the many others who assist her.

“I work with an exceptional group of volunteers,” she said. “We have excellent committee heads and docents. I would be nothing without them.”

A big part of what Mickelson and her volunteers do is care for and make available documents and related resources for historians and others conducting research on early Virginia history. “We have a wealth of documents, letters and photos from the late 18th and early 19th century,” Mickelson explained.

Archivists from the Smithsonian have been a big help teaching Society volunteers and staff how to work with and preserve historical documents. This expertise is something they in turn share with other counties.

“I love to collaborate,” Mickelson said. The Fluvanna Society has an especially active working relationship with Louisa County, which also has a historical society, and this collaboration has helped both of these organizations to grow and flourish, Mickelson added.

Society Enjoys Broad Popular Support Who are the main supporters of the Society? Joan White, a life long Fluvanna resident and REALTOR® with Monticello Country Realtors, believes the many retirees in her area are strong supporters because they have a genuine appreciation of and respect for history. White loves Fluvanna because of her large network of family and friends and enjoys the role the Society plays in helping residents

d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2 | I s s u e 21 - 4 9 Left: East side of the cabin with the chimney restored Below: Holland Page Place interior first floor

from this group to work part time for the Society during the summer.

Work at the Society is a joint effort, Mickelson explained. “The young volunteers bring expertise with computers and youthful energy, while those who are older and more mature bring a wealth of experience and time. Our volunteers range in age from 16 to 87 and they all work well together.”

In the past the Society has also reached out to the school system to bring history to the classrooms. Unfortunately, recent budget cuts have necessitated cutting back on this part of Mickelson’s efforts to involve and educate Fluvanna’s youngest residents.

Historical Society Offers Events and Educational Opportunities

photo Courtesy of the fluvanna historiCal soCiety

Visitors to Fluvanna can enjoy two different museums operated by the Historical Society as well as a walking tour of downtown Palmyra with its historic courthouse. For local people, visiting the Society is also a good way to learn about their ancestors, Mickelson said.

One of the museums is the Old Stone Jail in downtown Palmyra, which is adjacent to the courthouse

Today visitors can tour The Holland Page Place and experience a little of what life must have been like for people living on a farm in Fluvanna County just after the Civil War.

and visitors learn about the rich historical traditions of her county.

It’s not just retirees who enjoy the Society’s resources, however. Fluvanna’s Historical Society participates in a larger project called The Land Between the Rivers: Piedmont Virginia Digital History, which is in the process of digitizing historical documents from a variety of counties to make them available in one place to individuals who conduct online research.

To help with digitizing the Fluvanna collection, Mickelson recruits high school interns with an interest in history. She also selects one individual

photo Courtesy of the fluvanna historiCal soCiety

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Buying or selling property is the

most significant financial transaction that most people undertake in their lifetime. It is an exciting time, although the process may seem confusing and intimidating. If you’re not happy with our settlement services, we will refund your settlement fee – guaranteed.

photo Courtesy of the fluvanna historiCal soCiety

and next door to the Historical Society’s main office. Built in 1828 when it was determined that the area needed a “gaol,” it eventually became the first headquarters of the Historical Society in 1964. Today it houses documents and historic artifacts and features special exhibits. A recent such exhibit spotlighted early Fluvanna schools with insight on the lives and experiences of students and teachers. The Charlottesville Visitors Bureau website describes this brick and stone building as “a perfect setting for one of the best small museums in rural Virginia.”

Just three miles away is The Holland Page Place, an 1865 log cabin.

The cabin on eight acres was donated to the Historical Society in 1998 and, said Mickelson, was authentically restored using funds that were donated anonymously.

Today visitors can tour The Holland Page Place and experience a little of what life must have been like for people living on a farm in Fluvanna County just after the Civil War. In 2006 the Society received the Public Preservation Project of the Year Award from the Association for the Preservation of Virginia Antiquities for excellence in renovating and authentically restoring the cabin.

The museums’ regular visiting hours are posted at the Society’s website. Private tours are also available year round, and Mickelson said they have hosted such diverse groups

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The Old Stone Jail esterior and the 2nd floor exhibit of Early Education

as the Cub Scouts, the Porsche Club, and the Model A Club. You may also find Society properties featured on historic homes tours.

Another popular event sponsored by the Historical Society is Old Farm Day, which is always on the first weekend in October. Old Farm day celebrates Fluvanna’s rural roots and raises funds for a farm equipment museum. The event demonstrates old farming techniques and showcases antique farm equipment. Participants can also compete in a variety of different contests including the Animal Sounds Contest, Apple Pie Contest, Hay Bale Toss and Scarecrow

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Contest. Over 3,500 people attended the 17th annual event in 2012, which always takes place at Pleasant Grove, an historic tract of 1000 acres. The property is owned by Fluvanna County and was designated a preservation area by the Board of Supervisors.

As part of its education role the Society sponsors a lecture series and publishes books and history bulletins. A recent book entitled Virginia’s Palmyra is a photo essay that combines both historic and contemporary pictures.

History bulletins are short (most are less than 40 pages) essays, memoirs or collections of letters or lectures which cover a specific topic of interest. Some examples are bulletins about Fluvanna’s gold mines and the people who owned them, information about the development of roads and post offices, taverns and churches, the Fork Union Military Academy, Fluvanna’s role in the Revolutionary War, one about a visit from General LaFayette, and many more. Purchase them at the Society’s website.

Another annual event is a studio tour, which is a fundraiser for the Society’s endowment fund and supports Fluvanna area artists. Local artists exhibit their work in Palmyra, Bremo Bluff and in their own studios.

Fluvanna County Today In certain key respects life in today’s Fluvanna County is similar to the way it was back when this area

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

The Millinery - a Palmyra home that was once a hat shop.

was first developed. For example, although the population is much greater, 70 percent still live out in the country making it a primarily rural area. Further, agriculture continues to be an important industry, with over 95 percent of farms being operated by families or individuals.

Today, however, Fluvanna is part of the Charlottesville SMSA and is an active and growing place, which offers country living with easy access to town for work. Vicki Wilson, Principal Broker with Monticello Country Realtors, described Fluvanna as a place with an active real estate market. “It has definitely picked

up since the election. The number of homes on the market is half of what it was a year ago and with less than six months of inventory available it’s a great time to list,” she said.

Who are all these people moving to Fluvanna today? “We are seeing lots of first timers,” Wilson said, “because of the prices. We’re also seeing lots of retirees.” They are coming from all over, she continued, but mostly from New Jersey, New England, and Northern Virginia.

Fluvanna’s Historical Society is one way that newcomers can learn about the lives of early inhabitants.

Others are also lucky enough to live

Old Farm Day, held each October at Pleasant Grove, is sponsored by the Historical Society

in a piece of history. Wilson recently sold a home located in downtown Palmyra. Marketed as an “adorable historic home,” it was built in the early 1900s and called The Millinery as it was once a hat shop. It was inherited by the son of the original owners who listed the property with Wilson. The new owners were able to purchase their little piece of history for less than $100,000, and today enjoy living in a home and on a street with many echoes from the past.

Another historic Fluvanna property called Solitude recently received special recognition from the Historical Society. The Society presented the owners with a plaque honoring Solitude’s role in the formation of the Methodist Church in America. In 1779, Methodist circuit riders stayed at Solitude plantation, where lodging and meeting space were available.

Their efforts marked the beginning of an effort to separate themselves from the Church of England and create a new independent entity after the Revolutionary War. The Fluvanna Historical Society is fortunate to have a director who is passionate about her work there.

“I love the history and I love the people,” Mickelson said. She invites you to come visit Palmyra, which she calls a “unique and stunning little village” where you can learn about Revolutionary War and Civil War history as well as architecture, slavery, and much more.

Celeste Smucker is a writer, editor and author of Sold on Me, Daily Inspiration for Real Estate Agents. She lives near Charlottesville

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Tommy Brannock

Historic Downtown Office

new Price downtown

new Price FrY’S SPring

near

Charming home located on the lovely, sought-after Jefferson Park Circle. Total renovation just completed. Formal LR and DR, Rec Room plus 4 BRs and 4 full Bathrms including an Efficiency with private entrance in Terrace Level. Nice setting with off-street parking. Unique opportunity near UVA’s Medical Center. Won’t Last!

Charming 1920’s craftsman-style home on Poplar Street - walking distance to the Downtown Mall as well as Burnley-Moran Elementary. Wonderful yard - mature hedges create a private retreat in back plus winter Mountain views from front porch. Beautiful interior woodwork, 8 1/2’ ceilings and excellent storage. Unique opportunity!

BHG Real Estate III’s Top Producer for 2011

434-981-1486

renovation near uva Pristine Cottage situated on a fabulous yard with bridge across meandering stream. Minutes to UVA. Off-street parking potential on Mulberry Avenue. Recent improvements include new HVAC, new slate Patio, new Bridge and numerous cosmetic touches. Shows like a model home - don’t miss it!

Offered for $239,000 New Price of $254,000 New Price of $395,000 www.JeffersonParkCircle.com www.DowntownCvilleHome.com www.CherryAveNearUVA.com

great value in glenwood Station!

3-story brick home conveniently located off Rio Road near shopping, restaurants and Downtown. Community Pool. 3 BR’s, 3 ½ Baths, spacious Living Rm, Family Rm and Rec Rm. Over 3100 finished SF. Top quality finishes and full appliance package.

Fabulous home!

Offered for $399,000 www.976Glenwood.com

813 E. Jefferson Street • Office: 434-977-3033 Call Toll Free: 800-277-3033 www.RealestateIII.com • email: tbrannock@realestateiii.com

36 Red Gate Road | Syria, VA Beautiful Victorian farm home nestled in the foothills of the Blue Ridge. 4 beds/2 baths. Formal dining, living, parlor, and den. Country eat-in kitchen w/Corian, beams and fireplace. Back stair too! Hardwoods throughout. Crown molding, builtins, 9’ tin ceilings, bay windows. 25 level/ rolling acres w/frontage on Robinson River for great TROUT fishing. Near Graves Mt Lodge and walk to Syria Store. $449,000

staunton

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EXIT CORNERSTONE REALTY

Phone: (540) 825-9898 Cell: (540) 718-6609 Fax: (866) 295-2127 Mike@ExitCornerstone.com

15367 Brandy road, Suite a • CuLPePer, Va • (540) 825-9898

Call us at

434.817.9330

to Advertise Your Home!

CAAR

Real Estate Weekly

1421 Dogwood Road • Your chance to own a designers home! Currently featured in Better Homes & Gardens magazine for bathroom design!

• Stately brick home on a large shady lot loaded with outdoor spaces!

• Over 4200 sq ft including a 900 sq ft sunroom! Simply amazing home!

Call for your personal tour!

Charity Cox

540-294-5682 www.homesweethome4u.net

$749,900

CAAR Real Estate Weekly | www.cAAR.com

Mike Butters

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McLean FauLconer Inc.

Farm, estate anD resiDential Brokers

FARMINGTON- Newly remodeled residence in quiet location. Traditional home recently expanded, features exceptional mostly one level floor plan: charming reception room with fireplace, spacious dining room with French doors to covered porch, new kitchen, top quality appliances large master suite. Traditional charm with great floor plan. $1,275,000. Jim Faulconer (434) 981-0076

IVY CREEK FARM - Spectacular 100+ acre estate with vineyard, guest cottage, pool, manager’s house, tennis courts, barns, sheds, workshops and unparalleled Blue Ridge Mountain views located less than 10 minutes west of Charlottesville & UVA! $6,950,000. MLS #482639 Steve McLean (434) 295-1131

RIVANNA RIVER FRONTAGE! Priced to sell! Nearly 100 acres of raw land has many possibilities. Conveniently located near Rt. 15, Palmyra, Lake Monticello, and only 20 mins from Charlottesville. Wildlife Abundant.

Steger Creek runs through property. In land use. $275,000. Call Will Faulconer (434) 987-9455.

MLS#502205

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

DOWNTOWN CLASSIC. Gracious 4BR brick residence, superb location just off Park Street within walking distance to Downtown Mall. This charming home is quality-built with well-proportioned rooms, large unfinished basement, detached 1car garage, private fenced-in backyard. $794,500 Steve McLean (434)981-1863 MLS#499564

EDGEHILL, circa 1893, is a spacious, comfortable antique home loaded with charming features, situated on a high knoll with panoramic pasture and mountain views. Only 1 mile to Lovingston & US29! Jim Faulconer (434)981-0076 $1,195,000 #497303

1905 Victorian Style on Lexington Ave. Original moldings, large windows, heart pine floors. Architecturally designed renovations. 4 bedrooms, 3 full baths. $559,000 MLS 499306 Call Punkie Feil, 434-962-5222 or Elizabeth Feil Matthews, 434-284-2105

KESWICK AREA- 12.8 ac. farm w/charming circa 1899 3 bedroom clapboard home.

This property offers privacy, lovely pastoral and mountain views, a barn and riding trails. Price: $695,000, MLS #499302. Call Jim Faulconer, 434-981-0076.

ENJOY LAKE FRONTAGE, FRONTAGE ON MECHUM’S RIVER & exceptional privacy from over 13 mostly wooded acres in Western Albemarle! Well-maintained 3BR/2.5BA contemporary-style residence.

Gorgeous views & superb location! $765,000 Steve McLean (434)981-1863 #497264

BLUE ACRE FARM - Award winning contemporary on an elevated homesite on 192 beautiful acres of rolling to hilly fenced pastures and hayfields, deep hardwood forests, stunning Blue Ridge Mtn. views, sunsets and pristine countryside! Spectacular setting 18 miles NW of Charlottesville. Improvements are in excellent condition. $2,750,000. Call Jim Faulconer 434-981-0076. See brochure at website:www.blueacrefarmvirginia.com

Delightful 3 bedroom, 2.5 bath home with finished basement. Living room has fireplace and adjacent dining area. Open kitchen with breakfast bar and walk in pantry.

Large master bedroom, bath with double sinks and walk in closet. Short walk to community pool and tennis. 172 Buttercup Lane, $237,500. Call Nancy Roche 98 -7873.

MLS #503211

FOX RIDGE FARM - Spectacular 200+ acre country estate offers extensive equestrian facilities, complete privacy, extensive frontage on Moorman’s River & sweeping Blue Ridge Mtn. views. Elegant brick manor home, pool, pool house, multiple residences/cottages. Numerous outbuildings, 6 ponds, trails. $12,950,000. MLS #503593 Steve McLean (434) 295-1131.

IMMACULATE CONDITION - 3 BR brick home, just south of town, on 1.27 acres, almost level yard, in “like-new” condition. Features include: formal living and dining rooms, spacious kitchen/family w fireplace. large deck, over 2,000 fin.sq.ft. and 2000 unfin.sq.ft. well priced, $369,000. MLS#498687.

Call Jim Faulconer (434) 981 0076

Remarkable home with more than enough space for the whole family! Quality built with private back yard and community access to the reservoir.

Walk out basement has kitchenette & full bathroom. Gail Hubbard (434)242-7073. #502934

503 Faulconer Drive - charlottesville, virginia 22903 Phone (434) 295-1131 Fax (434) 293-7377 email: homes@mcleanfaulconer.com - WeBsite: www.mcleanfaulconer.com

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McLean FauLconer Inc.

Farm, estate anD resiDential Brokers

SHEEP CREEK FARM - Spectacular mountain retreat situated on 96 acres adjacent to the Blue Ridge Parkway & Peaks of Otter. Gorgeous contemporary custom residence w/ multi-level decks overlooking a wonderful mnt. spring creek.

Andrew Middleditch (434)981-1410 or Charlotte Dammann (434)981-1250.

CISMONT STABLES â&#x20AC;&#x201C; 43 ac. horse farm, 14 stall stable, attached indoor arena, 4BR home, all great condition! Private homesite w/ mountain views.

Priced at appraisal: $1,844,000. Call Jim Faulconer (434) 981-0076. MLS#496688

COLTHURST FARM - Beautiful architect designed home on just over 3 ac. offers privacy & gorgeous mountain views, all within minutes west of Charlottesville! Wonderful open floor, large flat yard area, beautiful landscaping, huge stone terrace area. $985,000 Steve McLean (434)981-1863 MLS#500182

TUCKEDAWAY - Timeless character & charm are embodied in this early vernacular home on 9 acres. Truly tucked in an idyllic private valley with a meandering stream & beautiful rock outcroppings yet totally convenient to town. Lovingly maintained & first time on the market in 40 + years.

Charlotte Dammann (434)981-1250 $598,000

FREE UNION - Immaculate 4,400+ sq.ft. residence privately situated on 5+ acres features beautifully proportioned interior spaces for both entertaining & family living. Large rear deck, gorgeous landscaping, great location for UVA, Charlottesville, North Fork Research Park, NGIC & Airport. MLS #499264. $845,000. Steve McLean (434) 981-1863.

WOODCREEK DRIVE - Two homes nestled on over 3 acres within 6 miles of Pantops.

One home with 2BR/1BA, Great Room w/FP, Kitchen, hardwood flooring. Second home with 3BR/1BA, FR w/FP, Kitchen, large rear deck.

Great rental property opportunity! $219,000.

MLS #494161 Steve McLean (434) 295-1131.

Lovely, traditional brick home on 2 acres built in 1987 in Farmington.

Exquisite grounds w/rock retaining walls in back complemented by beautiful garden areas & a slate terrace. Living & dining rooms, library, family room, sunroom addition, bright & spacious kitchen, guest bedroom suite on 1st floor. Three bedrooms on 2nd floor plus dressing room/bonus room, room of closets & separate, spacious office or playroom. $1,750,000. Betsy Swett, 249-2922.

MLS#499712

STUNNING MOUNTAIN VIEWS!!! This 10.057 acre lot in the Reva area of Culpeper County is a rare find w/ breathtaking 180 degree mountain views to the west. Pastoral & protected setting .Up to 15 acres available. Conveniently located just over a mile from US-29. $162,500. Call Will Faulconer (434) 987-9455 MLS#502816

EXCELLENT INVESTMENT OPPORTUNITY - Wellmaintained triplex in prime location near downtown mall, hospitals, schools, shopping & U.Va. Two, 2-3BR/1BA units & one 1BR/1BA studio unit.

Great income potential. $465,000. MLS #482203 Steve McLean (434) 295-1131.

TO BE BUILT - Exquisite farmhouse-style residence, designed by Dalgliesh Gilpin Paxton Architects, set on 37+ acres w/unparalleled pastoral & mountain views at Bundoran Farm. Stunning 1st-floor master wing, soaring ceilings & attractive, high-quality finishes throughout. 1015 minutes south of Charlottesville & UVA. $3,995,000.

MLS #481487 Steve McLean (434) 295-1131.

ZIONS CROSSROADS, Louisa-6 Acre site, multibuilding warehouse/manufacturing complex with various tenants, PLUS plan for new additional free standing 26,000 office warehouse. Classic 1031 potential. Investor/user. $96,900 in annual rent roll from existing buildings! $999,999 #481537 Tim Michel (434)960-1124

Stony Point. 3 bedrooms, bonus terrace level master with jetted tub & shower. Two family rooms, two fireplaces. Beautiful kitchen with granite, stainless steel appliances. New HVAC, tankless water heater, whole house generator. Extensive outdoor living spaces, access to hiking trails. MLS# 502746. $279,000. Call Elizabeth Feil Matthews, 1-434-284-2105.

503 Faulconer Drive - charlottesville, virginia 22903 Phone (434) 295-1131 Fax (434) 293-7377 email: homes@mcleanfaulconer.com - WeBsite: www.mcleanfaulconer.com

CAAR Real Estate Weekly | www.cAAR.com

KESWICK COUNTRY CLUB-Spectacular new residence on golf course, PRICED TO SELL!!! 10,000 total square feet (7,794 finished), superb quality and craftsmanship, stone and stucco, slate roof, high ceilings, exceptional features: huge gourmet kitchen, spacious main level master suite, two family rooms, bonus room, much more.

Priced below tax assessment: $1,975,000. Jim Faulconer (434) 981-0076

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A Virginia Tradition Since 1927

Roy Wheeler Realty Co. Celebrating Over 85 years of Trust, Tradition, and Market Leadership Ednam Hall • 1100 Dryden Lane • Charlottesville, VA 22903 • (434) 951-5155 • Fax (434) 951-5190

Email: homes@roywheeler.com

www.RoyWheeler.com

QUIET LIVING IN FLUVANNA on almost a one acre lot just 11 miles to I-64! This home features two master bedrooms, an eat-in kitchen, living room with fireplace; full basement with 3rd bedroom option, living area and full bath. No homeowner’s association, NO DUES! $155,000. Anne Lasley Mykich, 953-9996/985-7561. (504595)

BARRY MEADE EARTHCRAFT HOME that will save you up to 30% on heating costs this winter. 4BR including master w/whirlpool & separate vanities, 2nd floor laundry, hardwood & ceramic floors, airy kitchen w/breakfast room, stainless/black appliances & more. Deck is 22x12. Located near the main and Riverside gates. $319,000. Simone Kerber Alley, 760-0076.

(504393)

WOODED BUILDING LOT within walking distance to Greene Hills Club; located in a quiet, established neighborhood. Convenient to Routes 29 and 33, quick trip to NGIC, Research Park, many amenities. Mature trees on 1+ acre lot allow for privacy in a desirable setting. $61,500. Ginny Barefoot, 531-7864. (504629)

A HOME THAT WILL IMPRESS from the moment you walk through the door, with extravagant features like a sauna, walk-in tile shower, hardwood floors, crown molding, chair rail…..contact Susan for the long list of features! $274,900. susanstewart76@gmail. com Susan Stewart 434-242-3550. (504685)

OPPORTUNITY TO PURCHASE 13 acres in Southern Albemarle.

According to County of Albemarle, potential exists for up to 5 division rights. Home on property is a tear down and is being sold as is.

Drive out and take a look at the potential this land offers. $149,900. www.DeniseRamey.com Denise Ramey 434-960-4333. (496840)

STARFIELD COTTAGE. Older Cape Cod of 2763 square feet with full basement (wine cellar) situated under tall oaks on 4.5 acres overlooking pond. Adjoining building lot securing ownership of pond also available. (See mls# 444215) Reduced to $220,000.

JimBonner.com 951-5102. jim@jimbonner.com (491168)

s s ho a r l t e

co u ns n tr d e uc r ti on

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

N

EW

LI S

TI N

G AT THE END OF A QUIET COUNTRY ROAD is this beautifully renovated custom home with total privacy, yet only 6 miles to town. The land is shaded by century-old hardwoods but could offer extraordinary Blue Ridge views with minimal clearing. Gourmet kitchen, wall to wall windows and cathedral skylights, wraparound rear deck. $584,900. Lance Hoover, 989-4187. (503379)

LIKE NEW TOWNHOME in excellent location.

Upgrades include hardwood flooring, powder room on main level, maple cabinets, gas range, granite, ceiling fans, privacy fence in backyard. Master suite has separate tub/shower/ walk-in closet. Great location near 29N workplaces, airport, loads of restaurants and shopping. $230,000.

Christy and Rod Phillips, 434-987-6388. (504528)

DON’T MISS THIS GREAT OPPORTUNITY to own a brand new home at a great price in Needham Village. Special offer includes a garage, deck and hardwood floors, upgrades valued at over $30,000. Many plans from which to choose. Enjoy the benefits of home ownership, call today! From $149,900. susanstewart76@gmail.com Susan Stewart 434-242-3550. (498640/42/44, 504598)

GREENE ACRES, an established subdivision located at the foot of the KESWICK HORSE FARM. 50 acres of open fields surround a VALUE PRICED corner lot in beautiful Spring Creek! Buy Blue Ridge Mtns. Enjoy all the amenities this community has to offer: center isle 16-stall stable with a nice apartment, 3BR home and ridand build or we have a custom builder ready to buy the lot for swimming, fishing, boating. Modest HOA fees. The private beach area ing ring. Within 1-2 hours of numerous “AA” Hunter/Jumper shows you. Come on out and experience the new premier golf course also features a covered pavilion, play area, even WIFI. One acre wooded including the Virginia Horse Center & Commonwealth Park, over community in the area! $47,990. Maury Atkins 540-223-2719. lot, walking distance to the lake. $19,900. Ginny Barefoot, 531-7864.

11 Foxhunts, Eventing & Dressage shows and trail riding. 5 division (503872) (501742) rights. $1,125,000. Ginger Ashcom 978-1066. (484292) This information, although deemed accurate at the time of publication, is not guaranteed.

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A Virginia Tradition Since 1927

Roy Wheeler Realty Co. Celebrating Over 85 years of Trust, Tradition, and Market Leadership Ednam Hall • 1100 Dryden Lane • Charlottesville, VA 22903 • (434) 951-5155 • Fax (434) 951-5190

www.RoyWheeler.com

MINUTES TO LAW/B-SCHOOL. Reduced $5000! Owner wants SOLD by end of year. Five-minute walk to the Barracks Road Shopping Center and a two-minute car ride to the Law School, Darden Business School, JAG School. Strong leasing history, excellent swimming pool and community laundry facility. Now $60,000. Contact the Chase Team www.TheChaseTeam.com 296-9860.

LANGDON WOODS. New Rural Preservation Development in No. Albemarle of 19 lots, 2-8+ acres, priced $147K and up. A majority of lots are a mixture of hardwood and pine that offer privacy. Others enjoy pastoral or community lake views. Call for a personal tour. www.MaupinGroup. com Warren Maupin, 962-8939.

GREAT PRICE FOR A BUILDABLE LOT in beautiful Greene Acres subdivision. Four lots available for purchase together. Bring your new home plans. Near restaurants and shopping. Community lake and beach. $12,000. Christy and Rod Phillips, 434-987-6388. (501350)

SPRING BROOK. Each room of this meticulously restored 19th century Traditional Virginia Farmhouse exudes charm and elegance. Located in the heart of Somerset’s Estate area. Construction of a bygone era is visible in one of the large renovated barns perfect for gatherings and entertaining. Guest cottage, pool, pole barn and mountain views. $1,995,000. Rick Reed, 409-2745. (498753)

56+ ACRES IN FREE UNION, Albemarle County. Build your dream home and have panoramic mountain views of the Blue Ridge Mountains and the Shenandoah National Park. The property features pasture, fencing, border creek and 6 division rights. $895,000.

Lucy Watkins, 962-5829/589-2611. (497266)

BEAUTIFUL LOT with great views. Largest lot in Pauls Creek.

Driveway is already roughed in. Not far from the Rockfish Community Center. Build your home at the foot of the ridge, or go to the top of the ridge and have fantastic views year round. $55,000.

Mandy Yancey, 760-1882. (494018)

KESMONT. Keswick equestrian estate features 54 acres with board fenced pastures, 10 stall barn, riding arena, pond. Residence is beautifully landscaped with gunnite pool and guest cottage. (13) potential division rights make it a good conservation easement candidate. $1,495,000.

JimBonner.com 951-5102. jim@jimbonner.com (499845)

POPULAR WESTERN ALBEMARLE neighborhood & schools. 2level home newly updated w/granite counters, refinished wood floors, new appliances & more. Open floor plan w/high ceilings AND 1st floor master suite. Large, elevated lot with fenced yard, large patio, mature plantings & storage area. $185,000. www.DeniseRamey.com Denise Ramey 434-960-4333. (496218)

52 ACRES minutes to Zion Crossroads. Mountain views, pond, mature hardwoods, rolling pastures, bring the horses or cattle, endless opportunities. Several ideal home sites. $199,900. Proposed home with 4BR/3BA, basement, garage, 1st floor master and more by Southern Development for $545,000; or bring your own builder. susanstewart76@gmail.com Susan Stewart 434-242-3550. (494720)

GREAT OPPORTUNITY to own a quality home built by one of the area’s most respected builders. Built with American made products by award-winning Southern Development Homes. Many floor plans and options available. Great neighborhood with nature trails, fitness center and short walk to shops. An opportunity not to be missed! susanstewart76@gmail.com Susan Stewart 434-242-3550.

WITHIN WALKING DISTANCE to the new Stonefield complex and not far from the University Grounds. Second floor, all new laminate flooring, new windows, new refrigerator. HOA covers all exterior maintenance, basic cable, gas (heat). Second story condo for $89,900. Mandy Yancey, 760-1882. (496904)

ENDLESS POSSIBILITIES! Remarkable, sprawling 4BR/4BA Cape Cod with a flexible floor plan. Many interior upgrades including bamboo floors, roomy kitchen with granite countertops and cherry cabinets and finished basement. Situated on a well-landscaped 2 acre lot. 5149 finished square feet. $384,900. Ginny Barefoot, 531-7864. (503581)

This information, although deemed accurate at the time of publication, is not guaranteed.

CAAR Real Estate Weekly | www.cAAR.com

co un n d tr e a r ct

Email: homes@roywheeler.com

A

CAAR Real Estate Weekly | celebrating 20 years 1992-2012

home finance

22

credit score is derived from one or more credit reports in an attempt to mathematically represent one’s creditworthiness. Mortgage lenders will use an applicant’s credit score to determine the risk of extending credit to that individual and will adjust the interest rate on a loan accordingly. The lower the credit score, the higher the credit risk and therefore the higher the interest rate on the loan and vice versa.

The first step to improving a credit score is to understand how the score is calculated. FICO scores are used in the majority of lending decisions and will range between 300 and 850. This score breaks down into 35 percent payment history, 30 percent amounts owed, 15 percent length of credit history, 10 percent new credit and 10 percent types of credit used.

The majority of the credit score comes from payment history as it is the single most significant risk indicator. The credit score will look at seven years of payment history and give greater weight to the most recent history. The way to improve a credit score here is to begin making payments on time. If a credit report shows there are already late payments, then only time will improve the credit score by pushing those further into the past.

The amount of credit owed consists of the amount owed on all accounts, the amount owed on different types of accounts, how many accounts have balances and the percentage of credit being utilized. Even if making payments in full, a credit report will show the account as having a balance equal to the last billing balance. Having many accounts with a balance will indicate a higher risk of over-extension. To improve one’s credit score, try to consolidate many small credit balances into one balance so the number of accounts with a balance is decreased. The utilization ratio is the amount of credit used divided by the amount of credit available. The higher the ratio, the closer

d e c e m b e r 6 - d e c e m b e r 1 2 , 2 0 1 2 | I s s u e 21 - 4 9

How to Improve Your

Credit SCore By roger A. VArner, ii

the person is to maxing out their credit capacity, which will reduce their credit score as their risk profile increases. Paying down the amount of credit owed also will improve one’s credit score.

The length of credit history will count towards how long the individual has been able to manage their credit. This will look at the age of the oldest account, newest account and average of all accounts. Credit applicants who have little to no credit history are more of a mystery and will be assigned a slightly higher risk

than an application that has credit accounts spanning decades. Young people should be encouraged to open a credit account to demonstrate that they responsibly can manage their credit for a period of time. It is hard to improve a credit score here other than waiting, but there are steps on how not to damage one’s credit. Do not consistently open new credit lines while closing the older ones, as it will decrease both the average age of credit and credit score.

Types of credit in use will look at the credit mix of credit cards, install-

ment loans and mortgage accounts to name a few. Demonstrating that one can manage revolving credit accounts and installment types of accounts will go further to improving one’s credit score than only having experience with one or the other. The types of credit used will not only look at what is currently open, but will look at the credit mix over the past seven years.

New credit looks at how many new credit accounts recently have been opened and how many recent inquiries are on the credit report. A credit report that shows many accounts that are opened over a short period of time represents a greater risk as it might be a sign of the individual living beyond their means.

The number of recent inquiries on a credit report will also impact the credit score, but vary on how much, if any, impact they have. Three important items to take away about inquiries are that they usually have a small impact, some types of inquiries are ignored, and rate shopping is taken into account. To improve one’s credit score, do not apply for credit that is not needed. Many types of inquiries are simply ignored, as they are viewed as not having an impact on creditworthiness. When applying for a car loan or mortgage it is good to look around for the best rate as credit scorers will look at multiple inquiries that are made in a short period of time as if they were just one.

It is hard to improve one’s credit score without knowing how credit scores are calculated. The FICO score is the most commonly used credit score used in 90 percent of all lending decisions. Before thinking about buying a home, it is a good idea to get your finances in order, which includes maximizing your credit score.

Be wary of any companies that promise a quick fix credit score or that repairs credit histories, especially if they ask for money upfront. The best way to improve one’s credit report is to use credit responsibly by paying on time every time.

Types of credit in use will look at the credit mix of credit cards, installment loans and mortgage accounts to name a few. Demonstrating that one can manage revolving credit accounts and installment types of accounts will go further to improving one’s credit score.

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Better Homes & Gardens Real Estate III Charity Cox........................ 17 Cheryl Norman..................... 2 Cheryl Sprangel.................. 13 Ginny Nelson....................... 2 Linda Broadbent................... 6 Roger Mahloch..................... 2 Thelma Bailey...................... 2 Todd McGee......................... 2 Tommy Brannock................ 17 Blue Ribbon Realty.................... 7 Charlotte Ramsey Realtors......... 9 Court Square Title................... 15 Craig Builders........................... 7 Exit Cornerstone Realty David Dunahoo..................... 6 Mike Butters...................... 17 Frank Hardy Inc., Realtors........ 15 Sharon Donovan................... 4 Sonja Casero....................... 4 Heritage Land Company............. 7 Intrastate Pest Control............... 3

The REAL ESTATE WEEKLY is published weekly by the CAAR Real Estate Weekly, Inc., a wholly owned subsidiary of the Charlottesville Area Association of RealtoRsÂŽ, Inc. Copyright All rights reserved. Reproduction in whole or in part without permission of the publisher is strictly prohibited.

All advertising published in the REAL ESTATE WEEKLY is believed to be truthful and accurate. No advertising will be published in the Real Estate Weekly if it is known to be inaccurate or untruthful, but this publication does not warrant, nor is it liable for, the accuracy or truthfulness of the advertising placed within this publication. Neither the CAAR Real Estate Weekly, Inc., nor its corporate parent, the Charlottesville Area Association of RealtoRsÂŽ, Inc., assume any responsibility and shall have no liability whatsoever for errors, including without limitation, typographical errors or omissions in the REAL ESTATE WEEKLY. Any reference made to the CAAR Real Estate Weekly, Inc. or the Charlottesville Area Association of RealtoRsÂŽ, Inc. is not to be construed as making any representation, warranty, or guarantee by the corporations concerning the information on properties advertised in the REAL ESTATE WEEKLY. The content of all ads contained herein are solely the responsibility of the advertiser. The opinions and statements contained in advertising or elsewhere in this publication are those of the authors of such opinions and are not necessarily those of the CAAR Real Estate Weekly, Inc., or the Charlottesville Area Association of RealtoRsÂŽ. the CAAR Real Estate Weekly, Inc. reserves the right to edit or refuse any advertising it deems inappropriate or misleading. No advertising will be published in the Real Estate Weekly if it is known to be inaccurate or untruthful. Every effort has been made to assure accuracy, but this publication does not warrant, nor is it liable for the advertising placed within this publication. This publication will not accept advertising that refers to or attempts to establish fees or rates of commissions charged for services rendered.

Information on advertising placement may be obtained by calling 434-817-9330.

Loring Woodriff Real Estate Joan Jay.............................. 9 McLean Faulconer, Inc.........18-19 Montague Miller & Co..........10-11 Monticello Country Realtors..... 13 Mountain Area Realty................ 9 RE/MAX Affinity......................... 7 Roy Wheeler Realty Co.........20-21 Byrd Abbott....................... 13 Jim Bonner........................ 24 Open House......................... 5 Tom Noelke........................ 15 Strong Team Realtors................ 3

Itâ&#x20AC;&#x2122;s

WISE to Advertise!

All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise â&#x20AC;&#x153;any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation, or discrimination.â&#x20AC;? Virginia Fair Housing Law also makes it illegal to discriminate because of elderliness (age 55 and over).

For The week eNdiNG 11-23-12

There were

27 sales in the seven-county area. â&#x20AC;˘ Twelve were in

albemarle with an average price of $655,623

â&#x20AC;˘ Five were in

1404 beaverdam road

Charlottesville with an average price of $392,730

â&#x20AC;˘ Two

were in Fluvanna with an average price of

â&#x20AC;˘ Three were in Greene with an average price of

$281,333

â&#x20AC;˘ Two

were in louisa with an average price of $300,431

â&#x20AC;˘ Three were in Nelson with an average price of

3

12

240

64

3

Orange 15

29 20

Crozet 250

Scottsville

5

Louisa

22

33 53

20

6

33

Gordonsville

231

Charlottesville 29

6

15

33

Albemarle

151

Nelson

Madison

Greene

15

64

Fluvanna 6

2

18 Trillium plaCe

WiNTeRGReeN mOuNTaiN villaGe $194,000 $140 per fin. square foot On market for 302 days

local Government Information

$349,667

250

2

Sample

Sales:

(Note: Real estate tax information gathered from local government Web sites and is believed but not guaranteed to be accurate as of publication date. Towns may assess real estate taxes in addition to those charged by each county.)

CiTy oF CharloTTesville www.charlottesville.org real estate tax rate: $.95 per $100 of assessment albemarle CouNTy www.albemarle.org real estate tax rate: $.762 per $100 of assessment FluvaNNa CouNTy www.co.fluvanna.va.us real estate tax rate: $0.5981 per $100 of assessment GreeNe CouNTy www.gcva.us real estate tax rate: $.69 cents per $100 of assessment louisa CouNTy www.louisacounty.com real estate tax rate: $.65 per $100 of assessment madisoN CouNTy www.madisonco.virginia.gov real estate tax rate: $.59 cents per $100 of assessment

Call 434.817.9330 to place YOUR ad!

CAAR Real Estate Weekly )S PRINTED ON RECYCLED PAPER

Real Estate Weekly

CAAR

e-mail: ads@caar.com Send your news and/or press releases to editorrew@gmail.com

RiDGeWaY FaRm | FluvaNNa $290,000 $107 per fin. square foot On market for 155 days

$217,500

We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

308 E. East Main Street Charlottesville, VA 22902 Tel.: 434-817-9330 â&#x20AC;˘ FAX: 434-817-2714

508 13Th sTreeT

PResTON HGTs | cHaRlOTTesville $105,000 $79 per fin. square foot On market for 368 days

2774 CriCklewood CourT FOResT lakes | albemaRle $319,000 $141 per fin. square foot On market for 41 days

NelsoN CouNTy www.nelsoncounty.com real estate tax rate: $.60 per $100 of assessment oraNGe CouNTy http://orangecountyva.gov real estate tax rate: $.72 cents per $100 of assessment

CAAR Real Estate Weekly | www.cAAR.com

CAAR

Real Estate Weekly

G TI N LI S EW N

C U O N N D TR E AR C T

R SIG E N D IF U IC C A T N IO T N

Homes and Land of Charlottesville Virginia

McConnell Angus Farm

Heathcote, c. 1915

Kincora

Minutes to town, this 22 acre parcel fronts on Rt. 29 South, and features open meadow, a wooded elevated plateau, year round stream, mountain views, and (2) small lot development rights.

Well priced at $295,000.

MLS#495949

Spectacular 350+/- acre showcase cattle farm in the heart of Somerset. Grand, new brick home and cattle show barn. Finest soils, fencing, lake and beautiful views of the Blue Ridge Mountains. Adjoins Montpelier. $5,250,000.

MLS#497826

Gracious country manor of 16+ acres in the heart of Keswick. Old oaks, boxwood, guest home, 3 car-garage with workshop, fenced pastures. 4 bedroom, 4 bath home with 6 fireplaces, completely renovated and restored. $1,495,000.

MLS#495458.

Private Keswick property of 31+ acres featuring a beautiful Cyprus sided farmhouse with in-ground pool, workshop. Lovely grounds with vegetable and herb gardens, bluestone terraces and wrap around Ipe decking, wooded trails. Includes Cedar log guest cabin. $985,000. MLS#504205

Arrowhead Mountain

White Horse Farm

Bear Crossing

Vacation At Home!

Just minutes down Rt. 29 South, this exceptional tract of 410 acres of hardwood timber features rolling to steep topography, springs, cascading streams, miles of trails, mountain views, and beautiful rock outcroppings.

Offered at less than $2,500 an acre. $995,000. MLS#495947

The ultimate sportsman’s estate on 279 acres in Albemarle County.

Grand manor home c. 1780, gardens, ponds, board fenced pastures, riding arena, 6 stall center aisle barn, indoor basketball, batting cage, gym and miles of private, groomed trails. In excellent condition. $3,095,000. MLS#498902.

Rustic elegance just north of Crozet.

5 bedrooms, 4.5 baths on 34 acres with mountain views, pond, privacy and 4 stall center aisle stable.

Ride the trails of adjacent new 600 acre county park. Many new updates and freshly painted. $775,000.

MLS#497949

Absolutely private and immaculate log home overlooking private lake on 20 acres of hardwood forest.

Features include stone fireplaces, pine floors, in-law suite, heavenly porch. Near Scottsville. Swim, fish, hunt, or just relax. $435,000.

MLS#499607

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Arrowhead Meadow

Bellvoir

Idyllic Nelson Cabin

Kesmont

Seven Oaks

A fine equestrian estate of 43 acres in the heart of Keswick.

Newly renovated brick manor home, guest cottage, 4 stall center aisle barn, board fenced pastures. Privately situated with poolside gardens and Southwest mountain views. $2,450,000. MLS#504340

This is the mountain getaway you’ve always wanted. Charming chestnut cabin c.1812 on nearly 100 acres near the Blue Ridge Parkway. Fall asleep to the sound of the cascading waterfall, fish in the pond. $395,000 MLS#498621

Keswick equestrian estate features 54 acres with board fenced pastures, 10 stall barn, riding arena, pool, pond and guest cottage. (13) potential division rights make it a good conservation easement candidate. $1,495,000 MLS#499845

Beautiful 5 bedroom, 3 bath home with terrace level apartment.

Heart pine floors. Private 8+/- acres for horses with 2 stall barn and board fencing. Private and in excellent condition. Priced well under assessment at $425,000.

MLS#498120.

Jim Bonner The Top Producing Agent 20 consecutive years.* Since 1998 sales volume in excess of $340,000,000 including over 37,000 acres.

www.jimbonner.com (434) 951-5102 jim@jimbonner.com Ednam Hall • 1100 Dryden Lane • Charlottesville, VA 22903