LET A PROFESSIONAL GUIDE YOU IN THE Highly Competitive Real Estate Market

Arecent post on Forbes.com noted that while 30-year fixedrate mortgages have increased modestly, the rate of inflation should gently decline over the course of 2023. “The prospect of lower mortgage rates for the remainder of the year should be welcome news to borrowers who are looking to purchase a home,” one economist was quoted as saying. The report noted that housing inventory has been a challenge since the 2008 crash, when the construction of new homes plummeted. It still hasn’t fully recovered—and probably won’t in 2023.

The report cautioned that trying to predict what might happen this year is not the best homebuying strategy. “Buyers sitting on the sidelines today in anticipation of lower prices tomorrow may end up disappointed,” said Neda Navab, president of the U.S. region at Compass, a real estate tech company.

Forbes reported that Navab “expects home prices in the hotter markets during the past few years to decrease somewhat, but she doesn’t expect a widespread, national price decline like what followed the 2008 financial crisis.”

Instead of waiting for lower prices, experts suggest buying a home based on your budget and needs. If you find a home you love in an area you love, and it also fits your budget, then chances are it might be right for you.

“Only the best prepared, with their financing lined up, a solid understanding of what they can afford, and constant checking of prices and listings will be successful in today’s highly competitive market,” said one economist.

That’s why it’s important to team up with a professional real estate agent or broker, someone who knows the local market and who has the expertise to guide you through the process of buying or selling your home here on the Chesapeake Bay. 

LUKE ANDREAE info@andreaegroup.com

866-761-8138

DiscoverPuntaGorda.com

Luke leads the team of real estate professionals known as The Andreae Group at RE/MAX Harbor Realty in Punta Gorda, Florida. Punta Gorda is located on the southwest coast of Florida between Naples and Sarasota, at the confluence of the Peace River and Charlotte Harbor. This area offers some of the best fishing and boating in the nation. The protected waters of Charlotte Harbor lead directly to the Gulf of Mexico and beyond. Keep your boat docked at your backdoor and let your adventures begin from your backyard. The Andreae Group specializes in waterfront properties – helping boaters and water lovers find their Florida home.

WILL HOOPER

Will.hooper@penfedrealty.com

240.561.3149

L♥veChesapeake.com

Chris McNelis is an Associate Broker/REALTOR® with Berkshire Hathaway HomeServices PenFed Realty and has over 30 years of experience in the Southern Maryland market. She is the team leader of McNelis & Associates, a team of seven superb professionals dedicated to serving the Chesapeake coastal region. Chris's specialties include waterfront properties, land, farms and luxury homes. Leasing and sales of commercial property is an integral part of the services offered by McNelis & Associates.

Will Hooper is the licensed Executive Assistant to Chris McNelis, Associate Broker/Team Leader of McNelis & Associates, BERKSHIRE HATHAWAY HOMESERVICES PenFed Realty. The eight-member team of full-time and dedicated REALTORS® is known for award-winning customer service. Will supports Chris’s specialty book of business to include marketing and sales of residential and commercial properties throughout the Southern Maryland region. Will’s role is essential for excellence in client care and team coordination. 

Chesapeake Lifestyle Experts

Denise Neitzke REALTOR®/Team Member

Chris McNelis Associate Broker/Team Leader

Ashley Burroughs REALTOR®/Operations Coordinator

Will Hooper REALTOR®/Executive Assistant

Announcing our new Team Member Megan Erickson REALTOR®

Look for her in our future ads!

O 410-394-0990

M 410-610-4045

Web: mcnelis.penfedrealty.com

Waterfront. Land and Farm. Condominium. Commercial.

Serving Southern Maryland and the Patuxent River region since 1992

Lacey Foerter REALTOR®/Team Member

Megan Erickson REALTOR®/Team Member

Kyle Antel REALTOR®/Team Member

Denise Neitzke REALTOR®/Team Member

Announcing our new Team Member Stefon White, REALTOR® Look for him in our future ads!

O 410-394-0990

M 410-610-4045

Web: L veChesapeake.com

Waterfront. Land and Farm. Condominium. Commercial.

GORGEOUS JUTLAND CREEK near Historic St. Mary’s City hosts this very special artisan cottage on 21.9 acres. The home and property offer a very special experience. Privacy, wildlife, hiking and kayaking, fishing and crabbing. A beautiful waterfront world. Discover now!

CUCKOLD CREEK

A member of the franchise system of BHH Affiliates, LLC

Will Hooper REALTOR®/Executive Assistant

Chris McNelis

ASSOCIATE BROKER/ Team Leader

Serving Southern Maryland and the Patuxent River region since 1992

2.3 acre estate property on Half Pone Point is available for summer! 5548 SF brick contemporary with 5BR/4BA + office/den is move-in ready. New pier, rip-rapped shoreline, in-ground pool. Spectacular deep water, wide views. Don’t miss it!

BEVERLY SHULTZ beverly@beverlyshultz.com

804.436.4000 shultzrealtors.com

Beverly started in real estate in 1991 in the Northern Neck of Virginia with Bowers, Nelms & Fonnville. She was named Rookie of the Year and started her successful career in real estate. Beverly was awarded the top awards from Northern Neck Association of Realtors and gained a high referral base. In 2004, Beverly became a top sales agent and associate broker for the Long &Foster Bay/River office. She joined the Long & Foster Gold Team, comprised of the highest producing agents for the entire brokerage and in 2014 was inducted into the Gold Team Hall of Fame for consecutive years of the highest level of production. Beverly works with the Shultz Team and they have been the top agents with Long & Foster for the Northern Neck & Middle Peninsula for the past 10 years. She is focused on serving her clients with the highest level of attention and ethics.

Neill Shultz

neill@shultzrealtors.com

804.580.0476 shultzrealtors.com

Neill Shultz started in real estate in 2012, joining his wife and mother on a real estate team. Neill’s family moved to the Northern Neck when he was 8 years old. He was raised in the Northern Neck and was a member of the Boy Scouts of America, earning his Eagle Scout Award. Neill enjoys the lifestyle of the Northern Neck, from the small towns, close personal relationships, sailing, boating and fishing. These passions are shared with his family and clients. His wealth of knowledge about the area is invaluable to buyers and sellers. The Shultz Team has grown to five agents. For the past 10 years, the team has been honored as the top agents for Long & Foster in the Northern Neck and Middle Peninsula of Virginia. Neill’s high standard of ethics, market knowledge and genuine personality are why his clients not only value him but love him.

Forrest Dameron

Forrest.dameron@longandfoster.com

804.580.1246 shultzrealtors.com

LISA

Shultz

lisa@shultzrealtors.com

804.724.1587 shultzrealtors.com

Lisa Shultz is a native of Virginia and started in real estate in 2012, joining her husband and mother-in-law in a real estate team. Lisa has two young children and encourages them to enjoy everything that the river area has to offer. Lisa was a member of the Girls Scouts of America for 12 years. That love for the outdoors is what draws her to Virginia’s River Realm. The Shultz Team has grown to be the top agents with Long & Foster for The Northern Neck & Middle Peninsula of Virginia for the past 10 years. Lisa has been awarded the Long & Foster Service Award for the Bay/River Office twice. Lisa prides herself in her care and communication with her clients. Her knowledge of the area and the tributaries of the Chesapeake Bay are valuable tools to market her listings and educate her buyer clients.

DAWN PARRISH dawn.parrish@longandfoster.com

804.833.5351 shultzrealtors.com

Dawn began in the real estate industry in 1997. Beginning in the property management side of the industry, she serviced the needs of 200+ residents at multiple properties. After the sale of her first home, She became interested in the buying-and-selling side of the industry and earned her license in 2006. She has found great passion and pride in walking the path of home ownership with many clients throughout the years. Dawn and her husband, Shane, have been married since 2002. They have three children and three fur babies. After enjoying part–time river life, they decided to make the Northern Neck their full-time home. Dawn joined the Shultz Team in 2018 and has proven to be a valued addition. Dawn loves spending time with her family and friends getting together for dinner and cards, riding ATVs, or going for boat rides along the beautiful waterways.

Having lived in Northumberland County all of his life, Forrest Dameron has a vast knowledge of the area. Forrest knows the waters of the Great Wicomico and Chesapeake Bay well from crabbing and oystering. He is a licensed boat captain and also holds his commercial pilot certificate. He enjoys spending time on the water with his wife and children, boating and fishing when he can. Connecting with clients and showing them what the area has to offer is one of the reasons he loves being a realtor. Forrest’s attention to detail is unmatched and he always works hard for the clients he represents. Whether you are purchasing or selling, Forrest strives to make your real estate experience seamless and enjoyable. When Forrest is your agent, you become part of the Shultz team which has over 60 years of combined real estate experience.  www.CorrotomanRiver.com

YOU CAN HAVE IT ALL!

This property is a river playground offering big water views, pier with boat lift, two waterside decks, a screened gazebo, detached garage and room to spread out. The property comprises two waterfront lots and an additional off-water lot for a total of 3.84 acres and over 300 ft. of water frontage. It is elevated out of the flood zone but offers an easy walk to the pier and waterside. The Corrotoman River gives you access to the Rappahannock River and The Chesapeake Bay.

3 BR, 2 BA, 1714 Sq.ft.

$899,000

The Northern Neck and Middle Peninsula of VA have the most beautiful waterfront and fantastic small towns on the entire East coast! Let us help you navigate buying your waterfront getaway. With over 60 years of combined experience, our family of Realtors has intimate knowledge of the rivers and roadways and can help you find the home or property that best suits your goals. That’s why we have been the top producing agents in Long & Foster for the Northern Neck and Middle Peninsula since 2013. We are passionate about the Chesapeake Bay Lifestyle and are eager to share it with you!

Please visit our property websites to view interactive floor plans, aerials, maps and more!

804.724.1587 • ShultzRealtors.com

David Dew

David@HorsleyRealEstate.com

804.436.3106 horsleyrealestate.com

Managing broker David Dew started his real estate career more than 20 years ago and knows the market extensively. A native of Richmond, Virginia, David has prior experience as a loan officer and a branch manager. David and Katie have made a successful team together earning many years the Top Realtor Awards and Diamond Awards for their dedication and exceptional commitment to their careers. Now running the family firm together with his wife Katie, Isabell K. Horsley Real Estate is proud to be large enough to deliver the best real estate services, yet small enough to care for the company and clients they serve.

Sandi Lent

Sandi@HorsleyRealEstate.com

804.694.6101 horsleyrealestate.com

With a career that spans more than 20 states and thousands of transactions, Sandi has devoted her career to residential real estate. Whether a waterfront estate or cozy condominium, Sandi’s analytical perspective and negotiating skills are ideal in guiding her clients to fulfill their real estate goals. Named a Top Virginia Realtor, she provides white glove service in every type of residential sale. When she and husband Tim chose the Piankatank River in Hartfield as their new home in 2001, Sandi put this knowledge to work. She appreciates and understands all the amazing benefits of life in Virginia’s Chesapeake Bay region.

Katie Dew

KatieDew@HorsleyRealEstate.com

804.361.9141 horsleyrealestate.com

Growing up in the family firm, Katie continues the tradition as third principal broker following the legacy that originated with her grandmother, founder of Horsley Estate and father, former principal broker. As a husband-and-wife team, David and Katie continue to carry on the cornerstones of this well-established firm by blending strong work ethic, creative marketing skills, enthusiasm toward market trends and eagerness to meet and exceed client’s needs, positioning them as an outstanding family firm. David and Katie reside on Dymer Creek, making them the ideal candidates for representing all your waterfront estates and homes throughout the Northern Neck and Middle Peninsula areas of Virginia's Chesapeake Bay.

MCKANN PAYNE

Mckann@HorsleyRealEstate.com

804.815.4192 horsleyrealestate.com

McKann Payne is a native of Urbanna on the Middle Peninsula. She is uniquely suited for success in real estate with her in-depth understanding of the region and her can-do attitude. Designated as a Top Virginia Realtor, she goes the extra mile for her clients and her team. Prior to entering real estate, McKann was an accomplished master educator for nearly 20 years with superior communication skills, which she has carried into real estate. A graduate of James Madison University, McKann resides with her husband, Chad, and their son in White Stone on beautiful Carters Creek.

Neena Rodgers

Neena@HorsleyRealEstate.com

804.436.2326 horsleyrealestate.com

Neena has been a top producer and consistent Platinum Award recipient since joining the Horsley firm in 2003. She is proud to have been named a Top Virginia Realtor 6 years in a row. A Cum Laude graduate of American University, Neena and her husband moved to “The River” in 2001 for the wide-open spaces and uncluttered waterways, and her family relishes their time cruising and sailing. Neena’s clients love her tenacity and integrity, and she attributes her success to hard work, an extensive knowledge of the waterways and care and concern for every client. Neena manages the Horlsey office in Deltaville.

Bernadette La Casse

Berni@HorsleyRealEstate.com

804.384.7740 horsleyrealestate.com

Bernadette La Casse has lived on the Chesapeake Bay since 2005 and loves the unique charm and laid-back pace of the region. She has been involved in real estate since 2014, and looks forward to helping you navigate your real estate needs. Bernadette is proud to consistently be voted one of the top agents in Virginia, and works closely with her team as broker for the busy Mathews/ Gloucester branch office of Horsley Real Estate. She is dedicated to providing the critical local and regulatory information necessary for her clients’ success.

ANDREA HOLT

AndreaHolt@HorsleyRealEstate.com

804.854.9530 horsleyrealestate.com

Andrea Holt moved to the Chesapeake Bay area from Fairfax, Virginia in 1997 when she and her family purchased a marina in Deltaville on the Piankatank River. Andrea has combined experience in marketing, general construction knowledge, and above all, a passion for the Bay and rivers of the Northern Neck and Middle Peninsula. She is a consecutive platinum sales award winner with the Northern Neck Association of Realtors. Today Andrea lives on a 20-acre farm, in Wake, one mile from the Rappahannock River.

Diana Wolfson

dianawolfson@horlseyrealestate.com

804.567.8348 horlseyrealestate.com

Diana Wolfson a native of Potomac Maryland and grew up on the Chesapeake Bay sailing with her father every weekend. In 2013 she and her husband and two sons relocated to White Stone, Virginia, full time and opened up Northern Neck Burger Company in Kilmarnock 2013-2022. Now her family owns and operates Small Town Burger in Kilmarnock, which opened in December 2022. Diana became a Realtor in Virginia in 2017. She has had great success with Isabell Horsley Real Estate working out of White Stone and Urbanna offices. Diana works mainly by referral. “I have an amazing career serving my clients helping them facilitate their real estate transactions.”

Rosemary Griffith

Rosemary@HorsleyRealEstate.com

804.387.1807 horsleyrealestate.com

Rosemary and her husband have lived in the Bay area since 2009 after building their waterfront home in Mathews. Originally from McLean and Richmond, she knows that waterfront living is buying into a lifestyle that she loves sharing. She has been a full time realtor since 2014 after many years in the film business and owning a local food shop in Mathews. She works very hard for her clients to ensure a pleasant and positive experience.

John Mecke

John@HorsleyRealEstate.com

804.577.0363 horsleyrealestate.com

John Mecke began his time on the Northern Neck in 1998, but began his love of the Chesapeake in the 1950’s sailing on his father’s Star Class boat, Flying Cloud on the northern Chesapeake Bay. An active member of the community, he combines his in-depth knowledge of the local real estate market with 38 years as a sales and marketing executive to offer the skill and business acumen needed to successfully fulfill the needs of his many clients.

Shelley@HorsleyRealEstate.com

301.717.5157 horsleyrealestate.com

Shelley has developed an eye for homes through a background in real estate staging, visual merchandising, interior design and sales. This makes Shelley a great asset in finding you a home or a buyer for your property. Working with clients in the home furnishing fields, Shelley came to appreciate the deep connection between people and their houses. In today’s world, we are spending more time at home than ever before. Our house has become a home office, our favorite restaurant, and center of family entertainment. Whether you are a buyer or seller, Shelley’s keen eye and creativity can work for you.

VIRGINIA STOUGHTON

Virginia@HorsleyRealEstate.com

804.577.3584 horsleyrealestate.com

Virginia has deep family roots in Lancaster County, where her great-grandparents settled in the last century. She was born in White Stone, moved out of the area, and returned in 2006 to raise her three boys. Since starting her real estate career, she has earned the loyalty of numerous clients due to her exceptional customer service and knowledge of the area. Virginia is excited to exceed your expectations. 

82 Bellows Drive West, White Stone

On Dymer Creek with views out to the Chesapeake Bay, 6+’ MLW at the private pier with two boat lifts, private Sand Beach, Pool & Entertaining Areas with an outdoor Fireplace & built-in Grill make this an iconic place to play outside! Gorgeous 5 Bedroom, 4.5 Bath Home with all Open Entertaining areas plus a detached garage with a full bathroom & a huge bonus room upstairs. Comes Completely Furnished - Move in Right Away & Start to Play! $2,450,000

6-7’ MLW on Carters Creek with a Private 8’ wide Pier, Boat Lift, & minutes off the Rappahannock River to the Chesapeake Bay. Charming 1940’ Farmhouse that has been completely redone with 4 Bedrooms, 4 Full, 2 Half Baths, gorgeous finished & water views. In the heart of a Golf-Cart Friendly Area. The Village of Irvington with shops, dining, community activities & more. Comes with an Extra Buildable Lot and room for a pool. $2,400,000

Margaret Eppes Curtis

Margaret@HorsleyRealEstate.com

804.435.2919 horsleyrealestate.com

Margaret, a Richmond, Virginia native, attended St. Catherine’s School. She worked for 46 years and retired from Bank of Lancaster as vice president and head of the residential lending department. She specialized in portfolio and secondary market home mortgages as well as coordinating construction loans with owners and builders. After retirement, she became licensed realtor in 2011. She has been married 55 years and enjoys fishing on their charter boat Gypsy Charters with Captain Ted Curtis, sailing, gardening and Mah Jongg.

Shyann Lewis

SLewis@HorsleyRealEstate.com

804.338.0483 horsleyrealestate.com

Shyann moved to the Middle Peninsula area in 2009 after spending most of her summers on the Rappahannock River and the Chesapeake Bay. She started her journey with Horsley Real Estate in 2017, when she became an agent's assistant. Since then, she has assisted with more than 100 closings and earned her real estate license while also completing a degree in business management. Shyann enjoys showing off the unique lifestyles of the Northern Neck and Middle Peninsula and she’s ready to serve you at the Horsley office located in Urbanna.

Hunter Law

HunterLaw@HorsleyRealEstate.com

804-480-0269 horsleyrealestate.com

Hunter Law is a native of Fauquier County and a graduate of Wakefield and the College of Charleston. As a child, Hunter spent most of his time fishing, crabbing and boating on the Rappahannock River and the Chesapeake Bay. After graduation, Hunter was fortunate to move to the Rappahannock River and make the area his home. Hunter is still an avid outdoorsman and spends most of his free time on the water. He became a realtor with Horsley in 2010 and received the Platinum sales award his first year and every year since, plus he has earned the Diamond award in sales for 2016-2022 plus Top Realtor awards. You can find Hunter in Horsley’s Urbanna office location.

$1,300,000