January 2022 Real Estate Guide

Real Estate

THE COASTAL COASTAL REAL REAL ESTATE ESTATE RESOURCE RESOURCE Coastal Coastal Association Association of of Realtors/Ocean Realtors/Ocean City City Today Today THE

JANUARY DECEMBER 2022 2021

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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

Real Estate

JANUARY 2022

INDEX OF ADVERTISERS

THE COASTAL REAL ESTATE RESOURCE Coastal Association of Realtors/Ocean City Today

Published by Ocean City Today for the Coastal Association of Realtors.

Advertising in this publication is limited to members and affiliated members of the Association.

The COASTAL ASSOCIATION OF REALTORS® (CAR) is a trade organization for real estate professionals in Wicomico, Worcester and Somerset Counties on the Eastern Shore of Maryland. Its membership consists of more than 1,000 REALTORs® and affiliate members serving the home-buying and home-selling needs of the public since 1957.

The term REALTOR® is a registered collective membership mark, which may be used only by real estate professionals who are members of the NATIONAL ASSOCIATION OF REALTORS® and subscribe to its strict Code of Ethics.

The COASTAL ASSOCIATION OF REALTORS is located at 314 Franklin Avenue, Suite 106 • Berlin, MD 21811. Phone: 410-641-4409. On the Web: www.coastalrealtor.org OCEAN CITY TODAY is the leading newspaper publisher on the Maryland coast, with Ocean City Today publishing weekly on Friday, Bayside Gazette and Ocean City Digest publishing on Thursdays and Real Estate, the Coastal Real Estate Resource publishing key weekends throughout the year.

On the Web: www.oceancitytoday.com Editor .........................................................................Stewart Dobson Managing Editor............................................................... Lisa Capitelli Account Managers ................... Mary Cooper, Vicki Shrier, Amanda Shick Classifieds/Legals/Production Manager .................... Nancy MacCubbin Senior Designer .............................................................. Susan Parks

Nanette Pavier/Holiday Real Estate .................................Page 2 Northrop Real Estate.........................................................Page 3 ERA Martin/Shamrock Division ......................................Page 4 Resort Rentals/OC Vacations............................................Page 5 Berkshire Hathaway PenFed Realty/Ocean Pines............Page 6 Berkshire Hathaway PenFed Realty/Ocean Pines............Page 7 Susan Fleming/EXIT Realty .............................................Page 8 RTI Solutions.....................................................................Page 8 Neda Howell/ReMAX Realty ............................................Page 9 Long & Foster...................................................................Page 10 Hileman Real Estate.........................................................Page 11 Scott Donnelly/High Tech Inspections ...........................Page 12 Kati Smart/Brennan Title ................................................Page 12 CAR Affiliates ...................................................................Page 12 George Rines/Coldwell Banker Realty ............................Page 13 Jennifer Cropper-Rines/Coldwell Banker Realty ...........Page 13 Coastal Association of Realtors .......................................Page 14 Sheppard Realty ...............................................................Page 15 Jamie Caine/Coldwell Banker Realty..............................Page 16

Graphic Artist ................................................................... Kelly Brown Publisher..................................................................... Christine Brown Admin. Assistant................................................................... Gini Tufts

410-641-0039 WWW.OCEANCITYTODAY.COM It’s Time To Own A Beach Home!

Nanette Pavier Cell: 443-235-3498

Main Office: 7700 Coastal Hwy., Ocean City, MD 410-289-8888

Your Delmarva Resort Specialist Licensed in Maryland & Delaware

For Updated Prices & More Listings: Call 443-235-3498 Scan code or Visit my Website WWW.OCEANCITYMDCONDOS4SALE.COM

NAR Designated Pricing Strategy Advisor

Heron Harbour Isle Sales Center 120th St Open Friday to Monday 11-4 208 N Heron Dr #4 Seascape & Slip #20 - 2 Bedroom 2 Bath Top Floor Corner Unit

MLS- MDWO 2003270

Bright open floor plan with cathedral ceilings, double slider doors in living area with transom windows, remodeled kitchen with granite counter tops & custom cabinets. Large south facing deck with views overlooking the sanctuary & out to bay. Bring your boat, includes Boat slip #20. Great amenities: 2 outdoor pools including a lap pool, indoor year round pool, fitness center, tennis courts, sauna & kayak rack

37558 Pine Rd Water Front Home in Keen-Wik Selbyville DE Water Front Custom Built Home with 4 Bedrooms 2.5 Baths– 2,800 Sq Ft and Private Dock Well-designed 2 story split level, 2,800 sq ft, water front home on beautiful lot with private pier located in Keen-Wik community. Large water front family room with fireplace that leads to a spacious screened in porch, a separate water front living room, eat-in kitchen & formal dining room. The upper level offers a private master suite with a deck overlooking the water & bay view bedrooms at the front. Huge back yard to create a wonderful outdoor entertainment area.

E UND

CT A R NT O C R

MLS- DESU 2000531

JANUARY 2022

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

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JANUARY 2022

Looking ahead

Easing inflation, higher rates on loans, slowing appreciation foreseen for 2022 by experts

WASHINGTON – Expect slower housing price appreciation, easing inflation and rising interest rates in 2022, according to a survey of more than 20 top U.S. economic and housing experts.

Lawrence Yun, NAR chief economist and senior vice president of research, unveiled the consensus forecast in mid-December during NAR's third annual year-end Real Estate Forecast Summit.

For 2022, the group of experts predicted that annual median home prices will increase by 5.7 percent, inflation will rise 4 percent and the Federal Open Market Committee will twice increase the federal funds rate by 0.25 percent.

"Overall, survey participants believe we'll see the housing market and broader economy normalize next year," Yun said.

"Though forecasted to rise 4 percent, inflation will decelerate after hefty gains in 2021, while home price increases are also

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expected to ease with an annual appreciation of less than 6 percent. Slowing price growth will partly be the consequence of interest rate hikes by the Federal Reserve."

Yun forecasts U.S. GDP to grow at the typical historical pace of 2.5 percent, barring any major, widespread transmission of the omicron covid-19 variant.

He expects the 30-year fixed mortgage rate to increase to 3.5 percent as the Fed raises interest rates to control inflation but noted this is lower than the pre-pandemic rate of 4 percent.

The housing market performed better than it has in 15 years in 2021, with an estimated 6 million existing-home sales.

As mortgage rates tick up slightly, Yun predicts existing-home sales will decline to 5.9 million in 2022.

He also forecasts a modest increase in housing starts to 1.67 million as the pandemic's supply chain backlogs subside.

Over half (.58) an acre!

Over half (.58) an acre of peace and quiet in the desirable Beaver Pond Estates community. Situated in the back of the neighborhood near the cul-de-sac, this lot offers ample privacy in the countryside of Harrington. Easy access to downtown Harrington and Milford. Beaver Pond Estates, a private residential community, offers an opportunity for you to build your dream home. You will love this quiet country setting - still close to local beaches to enjoy a hot summer day. So come out w/your spec home plan and check out this beautiful setting for your dream home. Soil evaluation and survey on file. Septic design to be completed. Price includes cost of septic installation.

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JANUARY 2022

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

for a NEW Ren ntal

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Without you, the property ownerr,, we w would not be in business. While we cconsistently deli er great ccu ustomer stomer service ice to our o guests, (just check our google revieews), we never lose deliver sight of the facct that you are the m most important person to our company.

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Direct deeposit of owner checcks available, no cost Monthly M thl / yearly financial staatements Accidentaal Damage Protectioon / Security Deposit Program Flexible, full week, or mini w week program In a period of massive m national, corpporate consolidation in the Ocean City vacaation rental market, Resort Rentals, LLC stands apart as the t local professionals who know Ocean C City and personally care for your propertty. We have never wannted to be the biggest on the beach, just the best! Call us to find out more about our program, or checck us out online at www.ocvacations.com. Big where it matters, small where it ccounts.

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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

Refinancing: the good, the bad and the maybe Historically low interest rates have made now a good time to be a homeowner.

According to the Federal Home Loan Mortgage Corporation, also known as Freddie Mac, the average interest rate on a 30-year fixed-rate mortgage in mid-September 2021 was 2.86. Just 10 years earlier, the average rate was 4.09.

That’s a significant dip, and one that’s saving today’s homeowners tens of thousands of dollars on their mortgages.

Interest rates dipped during the pandemic and have remained low ever since.

That’s unlikely to last forever, which has given many homeowners a sense of urgency regarding refinancing.

Refinancing can be financially advantageous, but there are some things homeowners should know prior to contacting their lenders.

It’s hard to blame homeowners who jump at the chance to refinance their

JANUARY 2022

JANUARY 2022

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

Refinancing not free mortgages. Refinancing is often associated with significantly lower monthly payments, and such savings can be used to finance home improvements, pay for tuition or build retirement nest eggs.

However, homeowners won’t necessarily save money over the long haul if they’re refinancing an existing 30-year mortgage with another 30-year mortgage.

The mortage experts at Mortgage Calculator note that a Change Terms mortgage refinance is characterized by a shift to a loan charging a lower interest rate.

The initial savings with such a refinance are undeniable, but changing from one 30-year to another 30-year restarts the mortgage clock, which

can add years to the time homeowners will be repaying their debt.

As a result, homeowners may end up paying more interest over time than they might have had they just kept their initial mortgage.

Homeowners interested in a Change Terms refinance may want to look into switching from a 30year to a 15-year mortgage.

A shorter term mortgage will increase the monthly payment, but the loan will reach maturity much faster, greatly reducing the amount of interest homeowners will pay over the life of the mortgage.

Lower monthly payments might be the number that catches homeowners’ eyes as they look to refinance, but it’s important that homeowners recognize that refinancing is not free.

In fact, the personal finance experts at Kiplinger note that refinancing incurs many of the same costs

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that homeowners had to pay when they signed their initial mortgage papers.

That includes fees, taxes and appraisal costs.

These costs are sometimes paid up front, but they also might be rolled into the loan balance.

In the latter instance, homeowners could be paying interest on their refinancing costs. Homeowners who are refinancing solely because of lower interest rates should know that some lenders raise interest rates to compensate for refinancing costs.

That can negate the savings and end up costing homeowners more money than the original mortgage.

Refinancing is an option for homeowners who want to save money. Homeowners can speak with a financial advisor to determine if this is the best way to save money over the long haul or if refinancing will ultimately cost them more over the life of the mortgage.

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

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11002 Manklin Meadows Lane #3 Ocean Pines, MD 21811 410-208-3948

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JANUARY 2022

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JANUARY 2022

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GEE DUNSTEN 410-251-8233 Gee@gee-dunsten.com

MARK HALL

ADVANTAGE REALTY 11551 Coastal Hwy Ocean City MD 21842 410-723-3600

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PAGE 10

Multiple ways you can get that loan

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

JANUARY 2022

If you’re buying, look at all possibilities for financing The decision to buy a home is significant. Real estate is the biggest investment the average person will make in his or her lifetime, which underscores just how significant the home buying decision can be.

The real estate experts at Zillow recently reported that the national median price of a home in the United States is $272,446.

However, since the National Association of Realtors reported a record low housing inventory late in 2020, the average house price has been rising rapidly nationwide.

The Federal Reserve Bank of St. Louis estimates the median home sales price at $374,900, and certain states have much higher prices.

WOWA, a real estate and finance

technology company, says the average sale price of a home in Canada was $679,051 in July 2021.

Most people do not have $300,000 to $600,000 in savings on hand to purchase a home in cash. If they did, they probably already own a home.

That means most buyers also need to obtain some kind of financing to

pay for their homes.

Conventional lending Conventional lending refers to when a bank or another financial institution loans a home buyer money to buy a home.

This is one of the most common ways to fund a home purchase. Per-

sonal credit score as well as credit history help determine eligibility and interest rates for conventional loans.

Availability of assets as well as income level are some additional determining factors.

Conventional loans are traditionally 10-, 15- or 30-year notes and will require a certain percentage as the down payment to secure the loan.

LONG & FOSTER REAL ESTATE, INC. 11701 Coastal Hwy | Ocean City Square Shopping Center | 410-524-1700

WE HAVE BUYERS IF YOU WISH TO SELL GIVE US A CALL TODAY! NEW LISTING

LOT FOR SALE 12902 ASSAWOMAN DRIVE OCEAN CITY

38841 TYLER AVE SELBYVILLE, DE

KAREN RUSSO CELL: 410-262-7320 $1,195,000 (DESU2008628)

MARY MCCRACKEN CELL: 410-430-7302

Waterfront 4BR/3.5 BA Stucco Colonial w/5 Decks & One Car Attached Garage in Sought-After Cape Windsor. Stunning features, Bonus Upper-Level Room, Sliding Glass Access to Expansive 30 x 9 Upper-Level Waterfront Deck w/Spectacular Views of The Canal, Bay And Ocean City/Fenwick Skyline. As Well As Upper-Level Master Suite, Bedroom 3 w/Sliding Glass Access to Private 14 x 6 Upper Level Balcony. Exterior Of Residence is an Outdoor Waterfront Oasis w/Waterfront Covered Rear Patio 9x27 Composite Deck w/Vinyl Railings, Lower Level 25x28 Composite Sun Deck, Vinyl Fenced Rear Yard, Boat Dock w/Electric Boat Lift, Landscaping, Paver Sidewalk and 8x6 Vinyl Shed to Store Your Boat & Beach Toys All Perfect for Outdoor Entertaining and Waterfront Fun. Furniture Negotiable. HOA Amenities Include Community Pool and Boat Ramp.

Rarely available lot in prime, sought-after location with utilities available. The approximately 50 x 100 lot previously housed a 4 unit building with some ocean views. Steps from the beach & convenient to many goods & services. All information by the county/city.

$835,000 (MDWO114874)

NEW LISTING

NEW LISTING

NEW LISTING

CENTURY I UNIT #411 OCEAN CITY

THE QUAY UNIT #706 OCEAN CITY

THE PLAZA UNIT #1601 OCEAN CITY

Appraisal on hand for $540,000!!

2BR/2BA bi-level condo on the direct oceanfront w/stunning views of the ocean and bay on 4th floor location. Large living room has floor to ceiling/wall to wall sliders offers picture perfect views of the ocean.

(MDWO2001160) Gorgeous renovations in the updated kitchen w/cabinets, counters, and appliances. Both bedrooms have floor to ceiling/wall to wall sliders with views and a balcony. Gorgeous Bath Renovations w/ceramic tile showers, tile floors and updated cabinetry.

Century I is a premiere oceanfront building w/large indoor pool, exercise room, onsite management, and security. This condo has large private beach storage that can convey to buyers for $400 refundable fee.

$540,000

Lovely open floor plan in this spacious 2BR/2BA condo on the oceanfront makes this space perfect for all your friends and family. Large country kitchen opens to full dining room and large living room with double french sliding doors to balcony providing nice (MDWO2002750) ocean and bay views plus sunny southern exposure and coastal breezes. Spacious master bedroom with ensuite bath and dual closets. The Quay has extensive renovations over last few years including heater in outside pool, elevators, sprinkler system, fire alarms, caulked and resealed entire building, emergency generator, paved driveway and more. Enjoy all the amenities including Heated Outdoor Pool, Y/R Indoor Pool, Game room, Exercise Room, Shopping, Library, 24/7 Security and Loads of Extra Parking.

$450,000

Join Our Team At Long & Foster Ocean City!

Stan Zaremba Branch Manager 410-520-2707 • Stan.Zaremba@LNF.com

Gorgeous South End 3BR/2BA condo w/Large Oceanfront Balcony plus sprawling Bayside Patio plus Extra South Facing Window with Amazing Views. Over 1600s.f. Large Oceanfront Living Room w/balcony access offers spacious living, Full Dining Room w/Large Picture (MDWO2003334) Window and Fully Equipped Kitchen w/lots of Storage.

Oceanfront Master Suite also offers balcony access and Large Picture Window plus En Suite Bath. Second Bedroom has Large Sliders to Private Bayside Patio offering Views from the bay to the bridges. The Plaza is OC's Premiere Oceanfront Living w/Heated Outdoor Pool, Tiki Bar/Grill, Kiddie Pool, Y/R Indoor Pool, Hot Tub, Saunas, 5-Star Dining, 24/7 Security and Maintenance Staff. 2 Parking Spots and Private Beach Storage included in Sale.

$800,000

Please call or email me for a confidential Conversation on joining our team:

Interested in a career in real estate? Classes forming now! Visit www.longandfoster.com/careers

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

JANUARY 2022

The bank will determine the down payment requirement, which is typically somewhere between 3 and 20 percent.

FHA loan A Federal Housing Administration loan is issued by an FHA-approved lender.

These loans are designed for lowto-moderate-income borrowers, according to the financial guide Investopedia.

FHA loans require lower minimum down payments and lower credit scores than many conventional loans.

FHA loans also require mortage

insurance up front, plus annually for 11 years or the life of the loan depending on the length of the loan.

HELOC A Home Equity Line of Credit, commonly called a HELOC loan, borrows against the available equity in your home to create a line of credit, much like a credit card.

These funds can be used for large expenses or to consolidate higher-interest rate debt on other loans, according to Bank of America.

It may be possible to use a HELOC to secure funding to make improvements to a home for those who want to flip it as an investment property.

Private money lenders Individuals investing in real estate who do not intend to use a property as a primary residence may turn to private money lenders.

These investors can tap into capital from personal connections and lend at specified interest rates and payback periods, according to Fortune Builders, a real estate investing resource.

Keep in mind the interest rate will likely be higher with a private lender than through a conventional lender.

The repayment term also will be shorter.

VA-backed loan

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The U.S. Department of Veterans Affairs has a program for acquiring loans through conventional lenders that will be partially guaranteed against loss through the VA. This enables a lender to give better loan terms, such as the option to pay no down payment.

Interested parties need to qualify for a Certificate of Eligibility and then work with qualified lenders.

People have several options to finance the purchase of a home. These loans can help make the dream of home ownership a reality.

Potential buyers are urged to speak with mortgage professionals or financial planners to consider their options.

LIKE US ON

Neighbors Serving Neighbors - One Home at a Time 410-208-9200 • 800-337-7368 • 11065 Cathell Road, Ocean Pines • 8202 Coastal Highway, Ocean City • 410-723-9450 Licensed in MD, DE

• www.hilemanrealestate.com • e-mail: hilemanre@aol.com NEW LISTING

NEW LISTING!

Lynette

Bridges-Catha CRS, PMN, GREEN, SRES Licensed in MD, DE

443-497-3128 Cell Smilin4shore@comcast.net

1 Bedroom, 1 Bath Condo with Ocean Views, Private Parking & Indoor Pool! Take the elevator right out to the Beach and Boardwalk - walk to entertainment, shopping, dining & more. Remodeling has been completed, including Bamboo flooring, Granite Counter tops, & new Stainless Steel Appliances. $329,900

Hileman OWNER/BROKER GRI & CRS ONE OF A KIND! 443-235-5982 Cell Debbie@Hileman RealEstate.com

Kevin D.

home with 3 BRs, 2.5 Baths on a quiet cul-de-sac street. Vinyl Plank flooring, crown molding, large covered rear deck overlooking the spacious backyard with private boat dock & storage shed. Granite Countertops, Stainless Steel upgraded appliances. Must see to appreciate!!

Heselbach Associate Broker GRI, RSPS

Licensed in MD & DE

301-501-2463 Cell kheselbachHRE @gmail.com

$469,000

BEAUTIFUL OCEANFRONT LIVING!

Debora E. Licensed in MD, DE

BEAUTIFULLY RENOVATED WATERFRONT

Rare opportunity to own a Riverfront Island Home on 3.6 Acres with private bridge access. Spacious 4 Bedroom, 4.5 Bath home with nearly 4000 sq.ft. Enter into an impressive 2 story Great Room with 6 skylights. Each Bedroom has its own bath. Natural Shoreline includes a private boat dock with boat lift & 2 jet $1,950,000 ski lifts.

2nd floor fully furnished 1BR/1.5BA condo. Open living/kitchen area offers great natural lighting, breakfast bar, updated stainless steel appliances, quartz countertops, and access to a private balcony w/breathtaking ocean views. Other features include LVP flooring throughout, and a stackable W/D. Hall bath comes w/shower/tub combo w/tile surround.

Marigot Beach has great amenities such as an indoor pool, fitness center, and game room, as well as access to pool and fitness at the Clarion next door. W/only a short walk to the beach, and minutes from everything Ocean City has to offer! Schedule your tour today!

Terri

Bradford Associate Broker, GRI

Bethany

Drew

$395,500

Associate Broker, GRI

BREATHTAKING VIEWS

Tim

Ulrich Associate Broker 410-422-1441 Cell timrealestate9 @gmail.com

PERFECT OPPORTUNITY - DAGSBORO, DE

for an "In-Home" Business! Commercial Zoning with Direct access from Rt. 113 North. An addition offers a separate entrance into an office/studio, 4th bedroom, 2nd Bath, & laundry room.

Bright living room, large kitchen, & dining/family room with wall to ceiling brick wood-burning fireplace. Plenty of parking on the paved drive. Concrete walkway, rear deck and $369,900 storage shed.

Greg

Nohe

Licensed in MD & DE

Brenda

Nohe

REALtOR

®

Licensed in MD & DE

410-493-3847 BrendaSG1944 @icloud.com

BEAUTIFUL WATERFRONT DEAL ISLAND

Large Loft, BR/2BA. Experience Island Living, Rare Navigable Waterfront w/180 Ft. Bulkhead. Breathtaking Sunrises and Sunsets! Main Floor has Open Floor Plan - Living Room, Kitchen, w/New Granite Counters! Upper-Level Loft has 2 Spacious Rooms w/Fabulous Water Views of Tangier Sound!!

Watch Boaters Sail by from the Marina. Home has Laundry Room, Double Car Garage w/High Bay Doors to Store Extra Large Items!

Public Boat Ramp Less than 5 Minutes! Bring Your Boat, Jet Skis, Kayaks, Canoes. Owner Has More Renovations to Complete and will Work with Buyers to Choose Some Renovations of Their Choice! All Negotiations thru Listing Agent.

Don't Let This Pass You By!! $440,000

JUST MINUTES FROM OC!

Extra Large lot, sundeck, patio, & shed. Replaced in the past 2 years: Spare room addition, Roof, Flooring, Mini Split HVAC System, Water Heater, Blinds, Driveway with lots of parking, Microwave, Gas Stove, Front-Loading Washer/Dryer, SS Refrigerator, Bathroom with 5' shower. Most furniture conveys. Secure Gated Entry, Marina, Boat Ramp, Boat Storage, Large Swimming Pool & more! YOU OWN THE LAND, NO GROUND RENT! $199,000

Licensed in MD, DE

terri: 410-430-6875 Bethany: 410-430-2602 www.PO2team.com Powerof2@PO2team.com

Thank you to my clients & friends for your friendship and support this past year.

I wish you all happiness and good will this holiday season and always.

REALtOR®

443-413-3077 Archangelnohe @gmail.com

3BR/2BA rare end unit condo, freshly painted throughout w/brand new carpet. Kitchen has a lg island with a breakfast bar.

Open concept dining, kitchen, living room w/backdrop of the Tangier Sound. Primary bedroom features a lg master suite w/separate shower, soaking tub, and walk-in closet. Both the living room and the primary bedroom have lg patio doors that lead to the expansive balcony w/panoramic Bay views. Two additional bedrooms are bright w/windows and ample room for guests. Deep water boat slip #7 included in the sale (14' W x 34.37' L). So much to enjoy w/this unit by the bay!! See for yourself!! Call for your tour today! $269,500

Sonia

Zaffiris Associate Broker GRI, CRS

Licensed in MD, DE

410-251-6217 soniasez@aol.com

Cindy

Crockett REALtOR®, GRI Licensed in MD

410-430-0587 Cell Cindy@HilemanReal Estate.com

PAGE 12

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

JANUARY 2022

Real Estate Title Company seeks experienced Title Professional with at least two (2) years specific experience. This position is in the Ocean City area, where we provide settlement services for sale and refinance transactions in Maryland and Delaware.

The ideal candidate will be a good multi-tasker and have a customer service orientation.

Title Producer's License helpful but not required.

This is a great opportunity to build your CAREER in a company that values its employees and its community. Paid vacation and 401(k) retirement program.

Please send resume and salary requirements to ops@brennantitle.com

KATI SMART

Assistant Manager of Operations

Brennan Title Company Phone:

301-855-3340

Coastal Association Affiliate Members AnnieMac Home Larissa Luck David Bryce Adam Pradon Arrange the Change Sharon Knowles Bayshore Appraisals, Inc Janet Jones Blue Wave Environmental Consulting, LLC Dennis DiCintio Brennan Title Company John Brennan Daniel Erb Brumbley Appraisal Services Alfred Brumbley Caliber Home Loans Joel Bailey Capitol Title Insurance Agency Kathy Burton Maura Burton Pilar Burton William Splitgerber Chesapeake Remodeling Group Mike Davis Coastal Style Magazine Jon Westman Erin Westman Coates, Coates & Coates Thomas Coates W. Hank Fisher Community Settlement Group, LLC Scott Breza Cope Mediation, LLC Peter Copenhaver

DeChant Appraisal & Realty Srv Michael DeChant Deeley Insurance Group Laura Bren Jill Gormley Delmarva Appraisals LLC Beverly Wilson Direct Mortgage Loans Julia Keenan Draper & Kramer Mortgage Corp Matthew Patterson Eastern Title and Settlement Josh Greene Diana Dovel Elite Valuations, Inc Kathleen Hoffman Stephanie Rinck Embrace Home Loans Jason Cook First Shore Federal S & L Susan Vincent Randy Merritt Jr Debra Tingle Gary K. Marshall Insurance Agency David Galeone Gismondi Insurance Assoc Beth Gismondi Greater OC Chamber of Commerce Nancy Schwendeman Guaranteed Rate Affinity Paul Soule Hawkins Electric Jordan MacWha

CTW Real Property Appraisals C Terence Wittstadt

High Tech Home Inspections Scott Donnelly Christopher Lane

D3 Corp John Gehrig

House Master Kathy Hoffman

Davis, Bowen & Friedel, Inc Jennifer Skarren

Integrity Appraisals Karen Vara

L Turner Appraisals LeRoy Turner

MSC Homes Inspectors James Howard

Loan Depot Richard Proctor Danielle Caine Justin Kozera

Oracle Home Inspection Paul Vaillancourt

Marr Appraisals Inc Kenneth Marr Elizabeth Filgueras Maryland Department of Housing and Community Development Cecilia Weller Maryland Title Service Helene Parks Richardson Sean Lyons Joseph Raskauskas Chrissy Roberts McLean Mortgage Shawn Hunt Joanna Cherlariu Devon Eastlack Rebecca Harwell Beth Hunt Zach Hunt Aaron Jones Zach King Sam Kotzur Kristine Labert Metro Homes DMV, LLC Carlos Caraballo Mid-Atlantic Settlement Services Susan Lloyd Kelly Green Mortgage Network Hope Morgan Patrick Clark Joan Mulvaney Kaytlyn Senkbeil Motto Mortgage Liz Buckley

PrimeLending Rod Flowers Pro-Spect Inspection Services Tia Lipko Jonathan Fourquet-Laboy Tim Harriger Eric Hastings Bradley King Jay Mast Jared Mast Garr Owens Nicholas Strayer RTI - Solutions Stephen Gladwin Salisbury Neighborhood Housing Cheryl Meadows Amanda Smith Shorelock Home Inspections, LLC Jay Aydelotte Superior Appraisal Service Meggin Nicholson Beth Bittle Carrie Brown T & G Builders, Inc Gary James John Rego The Gold Standard Inspection Company Todd Williams Diana Bruce Vacasa, LLC Sherry Jenkins Wesbanco Laura Vest

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

JANUARY 2022

PAGE 13

Open floor plans neither new, nor answer for every owner Open-concept homes have become increasingly popular in recent years.

An open-concept home is one in which the rooms flow into one another with limited obstruction from walls or other barriers.

According to the National Association of Home Builders, 84 percent of new single-family homes have fully or partially open layouts.

While they may seem like a new trend, open floor plans are anything but. Early American homes featured open, often one- or two-room units built around the central kitchen/hearth.

This maximized warmth and functionality. Homes evolved as incomes grew, and soon homes had several smaller rooms with specialized functions.

What’s old has become new again.

However, before diving head first into a new home purchase or a big renovation to realize an open-concept dream, consider the pros and cons of this type of setup to determine if it’s really right for you.

Advantages Open floor plans facilitate the flow of natural light throughout a space and can promote air flow, helping to

reduce warm or cool pockets of air in otherwise closed-off rooms.

Open homes make socializing easier, even when people are doing different things.

While someone is cooking dinner in the kitchen, he or she can still interact with someone else playing video games in the family room or paying bills in the home office. Entertaining also is easier, as mingling with guests is much more convenient when walls are not getting in the way.

A smaller home can feel much larger if it employs an open concept.

The square footage is not divided into smaller quarters, which sometimes are rooms (such as formal dining rooms) that are only used a few times per year.

This eliminates underused spaces and opens up sight lines in the layout and makes small areas seem more spacious The value of real estate has risen dramatically since the onset of the covid-19 pandemic, and prospective buyers may prefer an open-concept plan because it can help them minimize building costs.

Disadvantages Open layouts are not for everyone.

2 0 2 2 PU B L I S H I N G SCHEDULE Dates are listed as the Friday Publishing Date of Paper

FEB. ISSUE

JULY ISSUE

MARCH ISSUE

EARLY AUG. ISSUE

APRIL ISSUE

SEPT. ISSUE

February 18th President’s Weekend

March 11th St. Patrick’s Day Parade

July 1st 4th of July

September 2nd Labor Day Weekend

MAY ISSUE

OCT. ISSUE

May 6th Springfest

September 30th Sunfest

EARLY JUNE ISSUE

DEC. 2022 ISSUE

MID-JUNE ISSUE June 17th OC Air Show

The same sense of space that occurs when walls are taken down may make rooms feel cavernous and less cozy, particularly in homes with ample square footage.

In addition, privacy can be hard to come by when all rooms feed into one another.

When the kitchen is not separate from the family room space, that makes it easy for noise to compromise the area’s comfort levels.

There is no hiding from noise in an open floor plan, as sounds from voices, television shows and appliances tend to echo and blend together.

GEORGE RINES Lice censed in MD

And if the home is a single-story layout, those noises from the main living areas also may carry to adjacent bedrooms.

Smoke and smells are another thing to consider. When something on the stove spills over, a small range hood will not be practical for clearing smoke from a large space.

Though the aroma of freshly cooked food is enticing, it can make it hard for cooks to keep guests out of the kitchen.

Open-concept homes are popular, but homeowners should weigh the pluses and minuses to see if this trend is truly right for them.

JEN NNIFER CRO OPPER --RINES

Licensed in MD Cell - (443) 614-6215 je ennifer@cropperrines.com

Cell - (410) 603-6382 george@cropperrines.com

CrropperRines.com 64th Street | 410-524 4-6111 | ColdwellBanke erHomes.com

August 5th White Marlin Open

April 15th Easter

May 27th Memorial Weekend

Sometimes the way an open floor plan looks is not the only consideration in home design.

November 25th Thanksgiving

JAN. 2022 ISSUE December 30th New Year’s Weekend

Dates are subject to change

The property information herein is derived from various sources thatt may include, but not limited to, county records and the Multiple Listing Service and d it may include approximations. Although the information is believed to be accurate, it is not warranted and you shhould not rely upon it without personal verification. Real estate agents affiliated with Coldwell Banker Residential Brokerage are independent contractor agents and are not employees of the Companny. ©2021 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker Real R Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker, the Coldwell Banker logo, Coldwell Bankeer Previews International and the Previews logo are registered and unreg gistered service marks owned by Coldwell Banker Real Estate LLC. 10771BALT_07//15

PAGE 14

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

JANUARY 2022

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

JANUARY 2022

PAGE 15

SERVING THE MARYLAND AND DELAWARE BEACHES LOCAL EXPERIENCED TRUSTED TWO LOCATIONS TO SERVE YOU BETTER 19 N MAIN ST BERLIN, MD 21811 410-629-0200

Associate Broker Delaware Broker Jenny H. Sheppard Maryland

20+ MILLON SOLD SO FAR IN 2021!

443-783-0299

7802 COASTAL HWY OCEAN CITY, MD 21842 410-723-7077

sheppardrealty.com REAL ESTATE 10430 GEORGETOWN ROAD • BERLIN, MD

One-of-a-kind home minutes from Downtown Berlin, Ocean City Beaches, and Assateague Island!

This 1900's Rustic Farm is the perfect mixture of farmhouse living and modern upgrades awaits in this spacious home with 2 acres. Step inside to find a home filled w/charm, from flowing hardwood floors to a fully remodeled kitchen w/modern farmhouse style. There is plenty of room to spread out w/a family room off the kitchen, bright sunroom, spacious living room w/wood stove for chilly evenings, and a great loft bonus room perfect as a home office, game room, or theater. Relax on the rear sundeck or enjoy summer campfires around the firepit. You'll find all the storage space you need in the detached three-car garage w/space for a work bench and a full second floor. An adorable hen house and all the outdoor living you can imagine yet close to all the wonderful towns and $585,000 amenities that beach living has to offer! – 5BR/3BA. (MDWO2000021)

0 SALISBURY ROAD • OCEAN CITY

LOT 38 WHISPERING WOODS DRIVE • OCEAN CITY

Beautiful building lot in West Ocean City

Possibly the last building lot

on Salisbury Rd. Great views of the

available in the beautiful

stunning sunsets as the lot is almost to

development of Whispering

the end of Salisbury Rd. The lot is 50 ft

Woods! Close to Ocean City

across the front and 40 feet Deep. Build

beaches and Assateague Island.

up and catch glimpses of Herring Creek – 0.210 Acres.

$119,900 (MDWO122016)

RENTALS

VIP Property Management YOUR LOCAL RENTAL CONNECTION Kelly Brown, MBA 302-420-0708 kelly@sheppardrealtyrentals.com

15% FULL SERVICE LISTING FEE!

IF YOU NEED A NEW RENTAL COMPANY LOOK NO FURTHER...

WE ARE YOUR LOCAL REAL ESTATE CONNECTION We are now accepting properties for the 2022 rental season!

Local agents will give your guest the most memorable vacation experience that will keep them coming back year after year!

Our personal customer service in a boutique brokerage with competitive rates will allow you to get he most return from your investment.

www.sheppardrealty.com/owners Please call Kelly today at 302-420-0708 for your FREE Rental Property Assessment! kelly@sheppardrealtyrentals.com

Once it's gone.... it’s gone!

LOT 38 – 0.230 Acres.

$189,900 (MDWO122016)

Are your property management rates rising?

Call us!

• Owner Online Portal • Financial Oversight • Day-to-Day Property Management • Monthly Off-Season Property Checks • Post Storm Management Checks • Individualized Property Welcome Book • Personal Communication • Targeted Marketing • Special Gift for Guests

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OCEAN CITY TODAY

PAGE 16

JAMIE CAINE

Associate Broker

410-726-0725 | 410-723-8520 | JamieCOCMD@gmail.com

Search All Active Listings At: www.jamiecaine.com

LIST with a

JANUARY 2022

12207 D Coastal Highway Ocean City, MD 21842 410-524-1203

LEADER

Knowledge • Experience • Dedication

• Long History of Selling Ocean City • Handled over 97 Transactions in 2020 • Personalized Hands-On Service

LIST With Me To Get

Your Property SOLD!

225 N HERON DRIVE • HERON HARBOUR ISLE • OCEAN CITY • 4BA/2 Full BA/1 Half BA • Located In Heron Harbour Isle • Open Floor Plan • Lg 1st Floor Primary Br • Custom Built • Private Boat Dock

$1,399,999 LOT 34- SOUTHHAMPTON DRIVE • LIGHTHOUSE SOUND

735 BRADLEY ROAD UNIT 208 • OCEAN CITY

• 0.47 Acres

• Clean 2BR/2BA

• Bay Views

• Bay Views

• Picturesque

• Pool Access

• Desirable Oc Location

• Private Balcony

• Close To Beach

• Community Patio & Boat Docks

• Possible Owner Financing

• Masonry Construction

$545,000 1101 PHILADELPHIA AVENUE UNIT 15 • OCEAN CITY

$364,900 LOT 9 - SEA BISCUIT ROAD • SNOW HILL

• 2BR/1BA

• Estate size lot

• Downtown Oc Location

• Quiet & quaint

• Private Balcony

• Near Chincoteague Bay

• Bay & Boardwalk Views

• Bay views

• Close To Beach

• Close to Public Landing

• Close To Shopping/Dining

$209,900 121 81ST STREET, UNIT 205 • OCEAN CITY

$69,990 9552 WHALEYVILLE ROAD • BISHOPVILLE

UNDER CONTRACT

UNDER CONTRACT

• 3BR/3BA • XL Bayview Balcony • Close to Beach • Locked Lobby area • Ample Parking w/Parking Garage • Non-Rental Building

$799,999

• Approx. 26-acre Farmette • Architect drawn house plans to county codes w/permits • New, inspected well and septic • 24x48 Detached Garage/Pole Barn w/Heat/AC • Remote-controlled Iron Gate • Close to Beach

$499,999

The property information herein is derived from various sources that may include, but not limited to, county records and the Multiple Listing Service and it may include approximations. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. Real estate agents affiliated with Coldwell Banker Realty are independent contractor agents and are not employees of the Company. ©2021 Coldwell Banker Realty LLC. All Rights Reserved. Coldwell Banker Realty LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker, the Coldwell Banker logo, Coldwell Banker Previews International and the Previews logo are registered service marks owned by Coldwell Banker Realty LLC. 07/15