Chesapeake Lifestyles The Real Estate Book Maryland Vol. 33 Iss. 3 by Graphic Designs

Chesapeake Lifestyles HOME & LIFESTYLE GUIDE

Volume 33, Issue 3

Annapolis Waterfront RARE OPPORTUNITY See Page 10 for more information

REALESTATEBOOK.COM REQUEST FREE MAGAZINES ONLINE, OR CALL 800-841-3401 32001.33.3.001.indd 1

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LORI WOODS-FORTNEY

REALTOR®

Cell: 410.808.1469 Office: 410.827.7500 Home: 410.827.5128 LoriWoods@realtor.com Visit my new website www.loriwoods.ismyreagent.com

OYSTER COVE AT KENT NARROWS OYSTER COVE - Pricing from $375,000 - $539,000

ALL HOMES OVERLOOKING WATER! Community has 2 marinas, pool, lighted tennis courts,a jogging/walking path, and a club house! Walk to restaurants & tiki bars! Outlet shopping & golf just 5 min 50 min to Wash,DC & Baltimore, 20 min to Annapolis

At The Water’s Edge

#712 Lg 3 Bedrm 3 1/2 Ba with garage and 40’ slip- $469,000 #810 TH with garage - deck just 50 ft from water - $435,000.

KENT NARROWS, MD Pricing from Mid $700’s To Mid $800’s

GATED WATERFRONT COMMUNITY – NARROWS POINTE

Gated community of only 38 town homes surrounded by water! 3,000 square feet with 3 Bedrooms, 3.5 Baths, lofts, bonus/media room and 2 car garage. Open & airy with vaulted ceilings and dramatic use of windows to accentuate spectacular views! High-end

See the video tour online at: http://vimeo.com/80677396

custom finishes throughout! Backs up to Mears Marina with over 600 slips, pool, fitness center, restaurants and Cross County Trail just outside your back door. Only 20 min from Annapolis, 50 min from Baltimore & DC. 438 NARROWS POINTE DR ## 22 $798,000.

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Scan this code to view my listings

J.J. FEGAN

410-353-0956-CELL 800-368-3301-OFFICE Subscribe to my YouTube Channel. www.jjfegan.com or email me at: jj@jjfegan.com

LEADING EDGE !

T ON

R ATE

FOR MORE INFO TEXT R547930 TO 52187

$575,000 PICTURE N PERFECT SUNSETS 1 SL 0 R OVERLOOKING WEST 16TE RIVER-open flr planN U eat in kitchen, dble H oven, gleaming wood flrs-recessed lightingskylights in upstairs bathrooms-master BR has lg walk-in closetfishing pier & deep water pier w/ boat lift-water & electric- rip rapped shoreline-fenced yard FOR MORE INFO TEXT R547930 TO 52187 $439,900 UPDATED R COLONIAL IN LOCH HAVENTE A Recently renovated W kitchen w/upgraded cabsGE D corian tops, soft closing E drawers & SS appliancesnew tile flrs kit/hall-Master bedroom w/cathedral ceilings & private balcony overlooking woods-park like setting w/ deck, hot tub & fire pit-2 car deep gar w/ plenty of storageroom for boat & trailer/RV FOR MORE INFO TEXT R523718 TO 52187

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FOR MORE INFO TEXT R547928 TO 52187

$379,900 CAR BUFFS DREAM-4 CAR DETACHED GARAGE- huge kitchen w/ tons of cabinets,granite counters & double wall oven-cherry & oak hardwood ﬂoors pellet stove in LR-Large deck off kitchenseparate 2 BR 1BA w/ kitchenette-in law/teenager apt above garage-Ches Bay sandy beach comm w/ swim area-Watch gorgeous sunrises everyday

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FOR MORE INFO R429772 TO 52187

S OLI

FOR MORE INFO TEXT R357497 TO 52187 REAL ESTATE SETTLEMENT SERVICES

$185,000 GREAT INVESTMENT CONDO IN ANNAPOLISfenced in backyard w/ shed-basement can be converted into 3 Bedroom-within walking distance to community pool, clubhouse & playgroundconveniently located to RT 50 & downtown Annapolis

CAPITOL ◆ TITLE SINCE 1973

ATTORNEY OWNED & OPERATED AFFILIATED WITH GOLDSTEIN & LEVY, P.A., GENERAL COUNSEL

S OLI

FOR MORE INFO TEXT R455811 TO 52187

VID

ILL

V ON

FOR MORE INFO TEXT P107509 TO 52187

Views of the West River, Chesapeake Bay, Bay Bridge & Kent Island! $394,900 ONE LEVEL LIVING AT ITS FINESTSouth River Park Rancher w/ unﬁnished basement-Eat in kitchen w/ slider overlooking deck-Sep din roomFormal LR-2 car garage w/ lots of storageIdeal for Handyman/ Mechanic-Large lot-Water priv comm w/ boat ramp-ﬁshing pier on South River$258,500 BEST BUY IN ANNAPOLIS-Recently updated kitchen w/ white cabinets, stainless steel fridge, granite tops, tile back splash-Bathrooms have been updated as wellFinished basement could be used as 4th BR or fam room-Walkout to endless backyard-Owner is offering 1 year HMS Home Warranty-3 level townhouse waiting on their new owners!

$299,900 BEAUTIFUL 2.77 ACRE LOT IN DAVIDSONVILLE READY FOR YOUR NEW HOMELot can be purchased as is or w/ home to be built-Bring your builder or use ours!

PROFESSIONAL CLOSINGS WITH A PERSONAL TOUCH Annapolis Ofﬁce (410) 266-9708 | (800) 264-0228

Ofﬁces in: Columbia ◆ Rockville ◆ Suitland ◆ Washington, D.C. ◆ Dunkirk ◆ Crofton ◆ Severna Park

Visit us Online at www.capitoltitle.com

Settle On Our Experience

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JUST LISTED this spectacular totally renovated waterfront home in Deale Beach with beautiful Chesapeake views. Shows wonderful with many, many upgrades, 1st floor master, water views from almost every room, two car garage with an office, hardwood floors, great deck, three season room with amazing water views. Two zone HVAC, boat ramp next to the property. $642,500 Text R536628 to 52187

ELKS LANDING - First resale in this 25 home subdivision in Deale. Surrounded by open space this home features 3 finished levels with 5 BRs, 3.5 BAs, two car garage, two-zone HVAC, hardwood floors, gas fireplace, granite counters, center island, whole house sprinkler system, brand new deck perfect for entertaining, paved driveway and more. Vacant and easy to show. $439,900 Text R487694 to 52187

410-798-4455 32001.33.3.004.indd 1

LOVELY COLONIAL in sought after neighborhood of Glebe Heights. Wonderful kitchen w/new granite counter tops and ceramic backsplash. Family room w/fireplace. Four large bedrooms and large master suite with upgraded bath. Great front porch and large deck for entertaining in private backyard. Lots of upgrades -- your buyers will not be disappointed. $459,900 Text R547932 to 52187

BEST BUY in South County. Nice 3 BR home with new carpet, fresh paint, new roof, new kitchen and more. Ready to move into now. Oil heat, central air, large 16x16 shed on the bonus lot, L-shaped deck. Vacant and easy to show. Bring your best offer now. $224,900 Text R487693 to 52187

LEADING EDGE

1-800-381-2727

Cell 410-320-5033 10/11/17 1:12 PM

How to Decorate Your Home for Fall Fall is one of the best seasons for decorating your home in a tasteful way that’s both festive and functional. Some of the most popular fall decorating themes include pumpkins, gourds, fall foliage, and pinecones to name a few. It’s time to say goodbye to summer and welcome the changing of seasons by adding a few cozy touches around your house with these tips.

Refresh Your Front Door: Maximize your curb appeal by adding piles of pumpkins and gourds to create a cheery look. Get creative by painting your house numbers onto one of the larger pumpkins, or throw in some potted croton and mums to your décor to complete the look. For a finishing touch, place a fall-themed wreath on the door.

Warm Things Up: With cooler temperatures creeping in, give your open spaces a snug feel by swapping out your lightweight pillows and linens. Instead of cotton and linen, opt for velvet or burlap materials in darker colors. Add a few throw blankets into the mix, and you’ll be ready to welcome guests for nights spent by the fire.

Add Fall Flowers: Just because summer is over doesn’t mean that flowers have to go along with it. If you’re looking to brighten up your home, there’s no easier way than to do so with flowers. Sunflowers and alstromeria are both great choices because they both last for about a week. Remove all leaves below the water line and change your water every few days in order to keep your blooms fresh.

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Add a Rocking Chair: Pair a rocking chair with a plaid blanket outside on the porch for the ultimate fall look. All that you’ll be missing after that is a cup of pumpkin flavored coffee.

Bring Outside In: Fall leaves are ideal for sprinkling on the mantle or for pressing onto wax paper during an afternoon of crafts. Use backyard leaves to create streamers for fall-themed parties, or frame them for artwork around the house. The options are endless!

Turn on the Fire: Fireplaces take the center stage when it comes to the fall season. If you have a wood fireplace, now is the time to make sure that you have enough firewood for the rest of the season. If you’re using gas, don’t forget to turn it off when you leave to go somewhere. Nonetheless, a roaring fire paired with a comfy sofa and views of the changing leaves creates the perfect fall setup.

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Everyone wants a magic and immediate path to wealth. The bad news? The path doesn’t exist. Wealth is attainable through more conventional means. If you come to understand the real estate industry and if you deepen your own firsthand experience as you buy and sell investment properties, you’ll be on the road to success. Along the road, there are six core principles that will make or break each real estate investment deal. They are the most important concepts you will learn. I call them the Big Six. With each successive deal I negotiated, I grew to recognize the common elements. The Big Six are part of a sequenced step-by-step formula that enables you to identify and purchase the right income property at the right price. The elements of the Big Six Formula that will guide you into the basics of buying income properties are the following:

1. Location Location is the single most important component of any real estate deal. It is crucial in determining your investment success. Look for properties that are situated in an “A” location. Such locations include the socioeconomic levels of the people who live or work in a particular neighborhood, its proximity to shopping centers, public transportation, crime levels, the nearness of prestigious universities and medical facilities, traffic congestion, zoning restrictions, the quality of schools, fire and police protection, and even the reputation of the local government and its officials.

2. Building Quality & Design Efficiency Design efficiency interfaces with building quality. When you find an investment property you’d like to buy, you will need to scrutinize both elements. Look for properties that far exceed minimum construction requirements and that have useful and innovative design elements. This will not only make the property attractive to tenants but will add value to the property in the future. Design features on apartment complexes that stand the test of time include walk-in closets, large kitchens with windows, and his-and-her bathrooms. In an office building, a common area factor of 15 percent is desirable as well as a ratio of four parking spaces for every 1,000 square feet of rentable space.

3. Tenant Profile Tenants can represent either an asset or a liability in an investment. When you invest, your mission is to make sure your tenant profile is the former and not the

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latter. Just as you want a well-constructed and well-designed property, you’ll want stable tenants who are a good match for your property and have appropriate lease agreements. Find out how much rent is generated and whether it is at market rate or under market. You want to focus on finding an income property that offers the opportunity to increase rental income and, by doing so, multiply the value of the property so that you can resell it at a substantial profit.

4. Upside This fourth element refers to the cash flow growth possibilities offered by a particular property along with the likelihood that the property will increase in value. A property may cost $1,500,000 to construct, but if it brings in only the income of a $900,000 property, then it is worth only $900,000. The key to increasing value lies in buying a solid Class B property in an “A” location where the rents are under the market, the leases are short term, and there are no options to renew the leases.

5. Financing In the musical Cabaret, there is a song with the lyrics, “Money makes the world go around.” It could just as easily be used to describe real estate’s role in the economic landscape. The free flow of money and access to credit is what adds vibrancy to property investment. Before you get started, you’ll need to get a number of finance-related items in order. The first thing you should do before applying for a mortgage loan is to review your credit reports and your credit scores. Also, learn the terms, understand the components of a mortgage and how they interact, and be open to the full range of financing op-

tions available. Banks and other financial institutions make money from mortgages. They are willing to negotiate. Be creative—you may be surprised at the terms you’re able to obtain from a bank or insurance companies, especially in today’s low interest rate environment.

The Big Six are part of a sequenced step-by-step formula that enables you to identify and purchase the right income property at the right price.

6. Price

The successful evaluation of a property’s price has more to do with how much information you can gather about a seller and the property than it does about the price tag on the real estate deal. You must look at the value of the property, which is not the same thing as its price. The crucial concern is not just how much the property costs, but what kind of income it can generate for you. A property may be architecturally perfect and engineeringly sound, but if you’re locked into long-term, under-market lease rates, the value will be eroded. If you master these principles, wealth will be within reach. However, it’s not enough to just understand and utilize the Big Six. You must execute them in order. That’s because they all fit together snugly to form your customized real estate formula.

9/21/17 8:53 AM

The Basics of Buying Investment Properties By Kenneth D. Rosen

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com.

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HOW TO BUY A HOME IN A TIGHT MARKET W

e all know the equation: low inventory means higher prices. Also known as a tight market, this setting can be stressful for buyers, who are trying to snap up their dream home yet keep running into competition. Attempting to purchase a house in this type of market can make the already complex process of buying a home even more overwhelming. The following ﬁve tips can help buyers successfully get through the buying process in a tight inventory market:

DETERMINE & STICK TO A BUDGET.

Before beginning the

house hunting process, prospective homebuyers should receive loan preapproval from one or more lenders to verify how

much they can borrow. Then, after taking into account additional costs of ownership such as taxes, utilities and insurance, buyers should determine a ﬁnal budget they can comfortably afford. When listings are scarce, bidding wars can drive up prices, so

buyers must be prepared to walk away if the asking price surpasses their budget.

IDENTIFY DESIRED NEIGHBORHOODS AND HOME WANTS VERSUS NEEDS. When housing inventory is tight, buyers may

need to compromise on what they believe they want from a

home. Certain wants, such as stainless steel appliances or hardwood ﬂoors, can be added later. However, if a buyer wants

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to be in a speciﬁc school district or have a decent sized back-

yard, those cannot be addressed later and must be taken into account during the house hunting process.

BE READY TO MAKE A DECISION QUICKLY.

In a seller’s mar-

ket, homes rarely stay on the market long, so when a house that is in their budget and checks off all of their needs come along,

buyers should not hesitate. Buyers should be ready to submit an

offer quickly, or they may risk missing out on the home altogether.

BID COMPETITIVELY AND LIMIT CONTINGENCIES.

It is

tempting to submit a low offer as a starting bid, but in a seller’s

market buyers need to put forward their highest offer from the very beginning or they are likely to lose out on the home. It is

also important to remember that in multiple bidding situations it is not always the highest offer that is most attractive to the seller

but the one with the fewest contingencies. Removing restrictions

related to the sale of a current home and being ﬂexible with things like the move-in date can make a bid stand out to a seller.

WORK WITH A REALTOR ®. All real estate is local, so it is im-

portant to work with an agent who is a Realtor®, a member of the National Association of Realtors®, and who is familiar with the areas and neighborhoods the homebuyers are considering. They can give buyers the competitive advantage needed in a tight market.

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ON THE COVER

Chesapeake Lifestyles HOME & LIFESTYLE GUIDE

CHESAPEAKE BAY REGION PUBLISHER Jeff Robinson Graphics & Production Amy Little/DﬂyDesigns CUSTOMER SUPPORT April Goodson MOBILE MARKETING Ariel Kelly To Advertise Contact: Jeff Robinson 410.263.3633 TREBJROB@aol.com

Annapolis Waterfront Peninsula

Rare opportunity to own a private waterfront peninsula in Annapolis situated on over 1 acre with approx. 310’ of riparian waterfront and 8’ MLW. A full service pier that accommodates multiple watercraft with 5 lifts. This 7,500 sq ft home with separate 350 sq ft pool house boasts a heated pool with waterfall. TEXT R486089 TO 52187

Chesapeake Lifestyles HOME & LIFESTYLE GUIDE

Volume 33, Issue 3

Annapolis Waterfront RARE OPPORTUNITY See Page 10 for more information

REALESTATEBOOK.COM REQUEST FREE MAGAZINES ONLINE, OR CALL 800-841-3401 32001.33.3.001.indd 1

10/11/17 1:10 PM

John Freeman Realtor 443-336-8366 cell

VETERAN OWNED BUSINESS P.O. Box 4156 Annapolis, MD 21403 Long and Foster Real Estate Inc. 320 Sixth St. Annapolis MD 21403

All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise “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.” We will not knowingly accept any advertising for real estate which is in violation of dwellings advertised are available on an equal opportunity basis.

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PRESENTING Diane’s NEWEST SELECTIONS...

ANNAPOLIS – JUST REDUCED Elegant contemporary renovation in wonderful water privileged “The Downs” Solid brick home w/6300sq ft. Chic Gourmet kitchen is home to designer Miele appliances & Quartz counters. New ﬂoors, new baths, new dual HVAC’s, new windows, new septic. New sunroom/deck/outdoor kitchen & hardscape. New whole house generator & lawn sprinklers. Newer roof. A grand Annapolis lifestyle w/2 marinas, beach, pool & clubhouse. Text R198981 to 52187

COMING SOON - ARNOLD/CANTERBURY VILLAGE Impeccable almost new home! Over 2,800 sq ft on the two main levels with 4 generous bedrooms and 3 1/2 baths! Beautiful wide open ﬂoor plan featuring hardwoods on entire main level. 42” White cabinets, granite, stainless steel appliances, main level ofﬁce, huge master shower and walk-in closet. Award winning Broadneck schools too! Text R278624 to 52187

NANJEMOY - Ahhh, such a Peaceful Retreat! Escape the city life & hideaway at this renovated Farm House from the 1800’s! Sited on 70 Acres just outside DC. Approximately 30 acres cleared w/the balance wooded land. Sit back on the massive wraparound porch & watch the swans on one of two ponds or ride horses through extensive wooded trails. Huge barn, several additional sheds/out buildings & 4 car carport. Text R198967 to 52187

CONTRACT PENDING

COMING SOON - PASADENA - CHESTERFIELD Super Cute 3 Bedroom/3 Bathroom, one of the larger single family homes in the neighborhood. Numerous kitchen/bath/hardwood ﬂoor updates and fully ﬁnished basement. Shows extremely well! Screened porch, community pool and Chesapeake schools!! Text R413991 to 52187

GREENBELT CONDO Beautifully updated 2 bed/2 bath + Den unit. Impressive new Level III Granite counter tops, brand new Hardwoods in entire unit, Newer Kitchen Cabinets & New paint through out. Huge Master Bedroom w/walk-in closet. Clean, fresh, updated bathrooms. Condo fee covers ALL UTILITIES, 3 parking spaces, Community pool & Tennis. Walk to top rated high school & Metro Bus. Full size Washer/Dryer too! Text R415832 to 52187

DIANE GAVIN

PASADENA - ELIZABETHS LANDING - Beautiful Renovation w/WOW kitchen! Brand new 42’ White “Soft Close” Cabinets, Stainless Steel Appliances and Stunning Quart countertops. All new ﬂooring, New Baths, New Windows, Freshly Painted. Great lot, cul-de-sac, Walk to top rated Sunset Elem. Flagstone Patio and Fully fenced yard. Waterfront Amenities, Beach, Pier, Launch Ramp and Picnic area. Text R354012 to 52187

REALTOR®, CRS, SRES, SFR Anne Arundel County Master’s Club Member Long & Foster Gold Team Member

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Choptank River Choptank river

Wye Cambridge island Estate

Wye island Estate Wye island Estate

Chesapeake shoal Water Bay Cottage Choptank river Choptank river

Wye island Estate

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shoal Water Co

Choptank river

IMPLY EXQUISITE 5 bedroom 7 1/2 bath PORTSMAN’S PARADISE! Great Inland ICHAELS COVE - Stunning Waterhome with broad views,housE richly detailed & farmette with ponds, mature atErFront EstatE homeWoods with & xtraordinary offered rEathtaking a. M sterns front estate on 24 +robert acres. Showcasfield. Comfortable with(most 2/3 bed- elegantly appointed. 1st floor master suitesf ing spectacular first floor MBrFarmhouse suite, + 5 Br far below replacement cost. ~ 5,000 design Bay nantucket shingle style home. views. Elegantly detailed atErFront EstatE atErFront home with EstatE home xtraordinary with xtraordinary housE offered housE rEathtaking offered rEa rooms, two full baths , original hardwood w/his & hers master bathe & WIC. Gourmet ensuite), walls of glass showcasing the view. ideal for entertaining & casual living with 6400+Broad water views from every window. robert sf, 4 + BR, w/gourmet kitchen, floor MBr suite,chefs first +huge 5floor Brwater (most MBr suite, +Four 5 Br far (most below replacement far cost. below 5,000 sf cost. Creek, ~ design 5,000open sfnantucket desig floors, elevator, living room w/gas insert. kitchen w/butlers pantry, volcanic stone great includes, 3-carw/fireplace garage,first tennis court, views!. fireplaces, wood 5room, br~ replacement home on floor shingl 1st flr&Fishing master suite,water library, ensuite), walls of glass ensuite), showcasing walls the of glass view. showcasing ideal the for view. entertaining ideal & casual for entertaining living with casual Broad living with views Broad from e Charming guest Cottage w/full bedroom & floors, family room w/beamed ceilings rooms & fireheated pool, deep water, pier with lifts & floors, super master suite, gathering plan, gourmet kitchenloft, w/butler’s pantry, conservatory, game room, huge 3 seaincludes, elevator, 3-car includes, garage, elevator, tennis court, 3-car garage, tennis huge court, water views!. Four huge fireplaces, water views!. wood Four fireplaces, 5 br home wood on Fishing 5 br Cree ho bath. Hardwood floors throughout. Great place. 2 BR apartment w/ $1,200,000 fully equip boat ramp, sandy beach, gazebo, extensive galore plusquest office & studio. 1st flr MBr, loft, Brazilian cherry frs, gas songathering porch, multiple FP’s., balconies. Great heated pool, deep water, heated pier pool, with deep lifts water, & pier floors, with lifts super & master suite, floors, super master rooms suite, gathering plan, rooms gourmet go hunting farm! Property includes in-ground atErFront EstatE home with housE kitchen. Elevator, GHP basement w/wine cellandscaping, tree lined drive. also in-law www.ChoptankRetreat.com FP. xtraordinary Country Carpenters Barn w/offered 1kitchen Br plan,w/b spaces for entertaining. Pool, waterfall, pier boat ramp, quarters. sandy beach, boatgazebo, ramp, extensive beach, gazebo, galore extensive plus studio. plus office &replacement studio. pier 1st $1,200,000 flr MBr, loft, Brazilian gunite pool, multiple outbuildings-Barn, runfirst floor MBr suite, +cedar 5 Br office (most far350 below cost. ~ 5,000 sf 1st flr M lar. 40sandy KW gen, exercise room, closet &galore suite/apartment & caretaker apt.$1,200,000 ‘ shoreline, w/2 lift’s, sand & lift, rip rapped shoreline. $2,250,000 landscaping, tree lined landscaping, drive. also tree in-law lined drive. also www.ChoptankRetreat.com in-law www.ChoptankRetreat.com FP. Country Carpenters in shed, several storage sheds $399,500. ensuite), walls of glass showcasing the view. ideal for entertaining & casual living with 50 x15 heated pool, great porches- Total perwww.WyeIslandEstate.com $2,550,000 beach & deep water mooring. $929,000 FP. CoB Text R336897 to 52187 & suite/apartment caretaker quarters. & caretaker quarters. apt.fireplaces, 350 ‘ shoreline, pier35w Text R546471 to suite/apartment 52187 includes, elevator, 3-car garage, tennis court, huge water views!. Four wood apt. fection! $2,250,000 www.shoalwatercottage.com www.WyeIslandEstate.com www.WyeIslandEstate.com $2,550,000 $2,550,000 beach & deep water beach heated pool, deep water, pier with lifts & floors, super master suite, gathering rooms moor& boat ramp, sandy beach, gazebo, extensive galore plus office & www.shoalwatercottage.co studio. $1,200,000 www.sh Easton new England styleOxford Waterfront retreat! st. lined aubins Willows Saint101 Michaels landscaping, Cambridge tree drive. also in-law www.ChoptankRetreat.com suite/apartment & caretaker new England style new Waterfront England retreat! style Waterfront retreat! quarters. st. aubins st. aubins 101 Willows www.WyeIslandEstate.com $2,550,000

new England style Waterfront retreat!

st. aubins

ASTERS VILLAGE PERFECTION! ENOVATED COMMERCIAL BUILDATERFRONT LOT IN THE raCious on bath the home Warwick EdEraL styLE hoME circa circa 1803 orgEous oxFord CaPE Cod Large 4hoME Br 2 1/2 in the ING IN HISTORIC DISTRICTHEART OF HISTORIC ST. river w/ 3 Br in main house and in Easton gorgeous period home 3 Bedroom, 3 Bath with a first Easton Club. Open floor plan, featuring 1910. High traffic area w/great visibility. MICHAELS, buildable with bulkraCious hoME on raCious the hoME on the Warwick EdEraLmoldings styLE hoME EdEraL circa styLE 1803 hoME circa orgEous 1803 oxFord or 1 great bedroom guest 5 + acres. withWarwick original wood floors, floor bedroom and bathroom. includes room withhouse stoneonfireplace, eat in Zoned General Commercial. HUB ZONE heading and 4 deeded boat slips river w/ room 3 Br in river main& house w/fireplaces. 3 Br and in main house in Easton and gorgeous in Easton period home periodfront 3home Bedroom, 3 hardwood floors throughout, family Extensively renovated fireplace,gorgeous large kitchen, porch and 3 Bath kitchen, formal dining room, family room - Flemish Bond Brick building w/ high ceil1 bedroom guest house 1 bedroom on 5 guest + acres. house on 5 with + acres. original wood with floors, original moldings wood floors, floor moldings bedroom and floor bathro b with electric, in great in town low/FP, wrap office. around Master screened porch,suite ings, retaining the character of the home one-car garage. Close to Marina’s & & separate bedroom hardwood fl., 2 fireplaces, entry with rehardwood floors throughout, hardwood family floors room throughout, family & fireplaces. room Extensively & fireplaces. renovated Extensively fireplace, renovated large kitchen, fireplace fro cation. Close to St. Michaels harwaterside studio Screened and shed. in Private park modernarea, amenities. Property includes restaurants. Low Maintenance. $349,500 with balcony. porch, paver ception 4-5 office/rooms, studio, w/FP, wrap around w/FP,screened wrap around porch, with screened retaining the character retaining of themarinas, the home character withshops of thehoME one-car home restauwith garage. Close one-car to raCious hoME on porch, thesituated Warwick EdEraL styLE circa 1803 bor, and likepatio, settingextensive with mature landscaping, 80 ‘ large garage workshop. on www.101WillowsAve.com landscaping and 2 car 1.5 baths & kitchen. Ideal for office, stustudio and waterside shed. aPrivate studio and Private modern park amenities. Property amenities. includes Maintenan restaur riverinpark w/ 3shed. Br in main house and modern in includes Easton gorgeous period Low home $650,000 rant. Bring your Property plans!restaurants. piergarage. w/2 slips and 3 waterside + pool MLW. large town lot, close to downtown Community & $449,000 tennis court. dio, medical. Many possible uses. Owner like setting with mature like setting landscaping, with mature 80 ‘ landscaping, large garage 80 ‘ with workshop. large garage situated with workshop. on situated on 1 bedroom guest house on 5 + acres. with original wood floors, moldings www.101WillowsAve.com www.10 dining,Owner shops will & entertainment. $395,000 Text R353975 to 52187 www.3742Sunnyside.com $497,000 Text R538174 to 52187 Agent. consider lease to room own. pier w/2 slips and 3pier + w/2 MLW. slips $449,000 and 3floors + MLW. a $449,000 large in town lot,a close large to in town lot, closeExtensively to downtown hardwood throughout, family & downtown fireplaces. renovated www.105WillisAve.com $229,500. Textaround R546468 toshops 52187 dining, & entertainment. dining, shops $395,000 & entertainment. $395,000 w/FP, wrap screened porch, retaining the character of the home with www.3742Sunnyside.com www.3742Sunnyside.com waterside studio and www.105WillisAve.com shed. Private park www.105WillisAve.com modern amenities. Property includes like setting with mature landscaping, 80 ‘ large garage with workshop. situated on pier w/2 slips and 3 + MLW. $449,000 a large in town lot, close to downtown Benson & Mangold Real Estate dining, shops & entertainment. $395,000 www.3742Sunnyside.com 410.924.4814 cell | 410.882.1415 410.822.1415 office | 410.822.0877 fax 410.924.4824 www.105WillisAve.com Benson & Mangold Real Benson Estate& Mangold Rea kccamb@gmail.com | www.kathychristensen.com 410.924.4824 cell | 410.924.4824 410.882.1415 cell office | | 410.882.1415 410.822.0877 office fax | 410.822.0 31Oxford goldsborough st, Easton 21601 27999 Road, Oxford MD Md 21654. kccamb@gmail.com |kccamb@gmail.com www.kathychristensen.com | www.kathychristen 31 goldsborough st, 31 Easton goldsborough Md 21601st, Easton Md Page 14 Benson & Ma 410.924.4824 cell | 410.882.1415 office | 4 32001.33.3.010.indd 1 10/11/17 1:18 PM kccamb@gmail.com | www.kathy

kathy ChristEnsEn kathy ChristEnsEn kathy ChristEns

kathy Christ

Beautiful Severn River Waterfront HOME

8 BEDROOMS 8.5 BATHS 9800 SF $4,900,000

1932 Carrollton Rd Annapolis

The 10,000 sq ft waterfront estate situated on 3+acres with beach, pier w/slips and tram steps away from Naval Academy and downtown of Annapolis.This stunning home has a style that mixes unique rustic accents with functional comfort. The spacious ﬂoor plan with outdoor living space and the waterside pool make perfect setting for entertaining and relaxation along beautiful views of the Severn.. Text R267420 to 52187

http://www.1932carrolltonrd.com/

Shearwater/Annapolis Waterfront Condo Coming Soon!!! 3,000 sq ft, 3 level condo with a loft, 3 beds and 3.5 bath featuring hardwood ﬂoors, all new windows/ sliders, 2 wood burning ﬁreplaces, 2 Waterfront decks with beautiful water view and 40&#39; Boat Slip. Shearwater condominium offers: Marina, gated community with professionally landscaped grounds, Tennis/ Racquetball Courts and Pool. Minutes by water taxi, car or walk to best of Annapolis downtown/Eastport.

Cynthia L. Taylor-Hicks Associate Broker

301.377.2269 Realtor16@aol.com www.CLHicks.com

Agnes Kongas-Sawera REALTOR®

646.279.5551

agnes@sawerahomes.com www.sawerahomes.com 1641 Route 3 North, Suite #202 Crofton, MD 21114

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The ABC’s of Flood Insurance BY B A R B A R A P RO N I N Many home buyers are surprised to learn that while most standard homeowner’s insurance policies may cover water damage caused by a burst pipe within the home, they may not cover damage caused by an overflowing river. Because only a few inches of flood water can cause tens of thousands of dollars in damage, some lenders may require the purchase of flood insurance before closing – even if the property in question is not in a high-risk area. Lender requirements in this regard are communicated in their instructions to escrow when loan documents are issued. Who determines whether, or how much, flood insurance is required? What do agents and their clients need to know? The answers are as simple as ABC:

WHO M US T H AV E I T ?

W H O S ELLS IT A N D H O W MU C H DO ES IT C O S T?

WH AT DO ES IT COVER ?

With assistance from the U.S. Army Corps of Engineers and local flood control authorities, the Federal Emergency Management Agency (FEMA) maintains flood insurance rate maps for communities nationwide. The maps are divided into flood zones denoting high, moderate or low risk of flooding. It makes sense that mortgage lenders require flood insurance for coastal homes or homes in other high-risk areas. But historically, says the National Flood Insurance Program (NFIP), about one in every four flood claims comes from moderate or low-risk areas, where federal law does not require insurance. Hence, many lenders may require flood insurance in all flood zones, regardless of risk, especially for federally regulated or insured (such as FHA) loans.

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The NFIP, managed by FEMA, offers flood insurance to homeowners in participating communities, and provides small discounts to communities that take steps to mitigate flood risk. The actual policies are sold not by FEMA, but by private insurance companies. Since NFIP coverage tops out at $350,000 for one’s home and possessions (see C, below), ‘excess flood insurance’ may be purchased to cover claims above the NFIP limits. In many regions, state flood insurance plans offer perks such as a 15-day waiting period before coverage kicks in, as opposed to 30-days with NFIP plans. The cost is determined by such factors as the level of flood risk and the estimated cost to rebuild. While flood insurance premiums are government-regulated, homeowners can retain some control over their cost by varying the deductible amount.

Flood insurance generally covers direct losses caused by flood waters, but actual coverages will vary based on the specific facts of the incident and the provisions and exclusions in the applicable insurance policy. The maximum insurance amount allowed by law is $250,000 for the structure. (While people tend to associate floods with total loss, the average flood claim is about $30,000, according to NFIP.) Contents coverage for furnishings of up to $100,000 is optional. However, neither building nor contents flood insurance will most likely cover the loss of certain personal property (such as currency) or living expenses such as temporary housing while the home is being repaired.

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burglars entering a home through the first floor, whether through door or window, it’s especially important to keep the entirety of your property’s entryways covered. At the same time, trying to cover low locales, such as your doors and windows, may leave cameras in easy reach of criminals, thus completely negating their usefulness.

In the end, even poorly-placed cameras will offer better home security than not having any at all, but there’s no reason to leave proper home security to chance. Knowing how to place your first line of defense can keep you safe before and after any crime, and knowledge is always your best weapon.

If you find you have a lack of safe places to place a camera, consider looking into protective caging for your equipment to protect it from being knocked out of order while you aren’t looking. This is also a good time to contemplate what special tools you may need to complete your installation, so ensure you check your camera system to see its recommended outfitting requirements that might need special preparations. While losing a camera can mean losing important evidence to help identify vandals or thieves, there are clever ways to keep yourself safe that might goad a criminal into making a misstep. Placing a dummy camera in obvious sight not only deters crime by showing you keep your home under tight watch; it also gives an easy target to a potential burglar that can distract them from hidden cameras that catch them in the act. As an added bonus, dummy cameras are far cheaper to replace than expensive professional models. Most importantly, you must consider the features of each camera when placing it. Cameras cannot focus on multiple ranges and angles at once, so if you want to catch a trespasser’s face on video, mounting your camera up too high can miss their distinctive features, but a raised camera may have a better time picking up a car’s license plate when placed overlooking your driveway.

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H O ME SA F E T Y: BEST P L AC E S TO PU T S EC U R IT Y CAMER AS

you’ve decided to put up security cameras for your home for the first time or are considering widening your safety net, knowing the proper way to place and angle your cameras is vital to keeping your home as safe as it can be. Not only can proper camera placement catch important details of possible crimes in your area, simply placing them properly can deter a crime from happening in the first place. The most important factor in judging where to place a camera is simple: Your home is your home. You know what the layout is, you know where the most important rooms are, and you may be in the unfortunate position of knowing how someone entered your home without your permission in the past. Before you begin placing any equipment, consider some basic questions about your home’s surveillance needs. Some questions to consider include:

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•

What parts of your home are you most concerned about?

•

If someone has broken into your home before, even before you owned it, where did that occur?

•

Are there any spots on my property that aren’t plainly visible to the street or my neighbors?

•

Do you need to keep any local camera placement laws in mind?

Though you may come to a variety of conclusions and potential diagrams for your home security systems, consider the usual entry points for potential burglars when casing a home. Knowing the most common routes of entry can take a large portion of the workload off of you simply by observing recorded statistics. With over 80 percent of

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Create Privacy, Divided Zones. Escape the hustle and bustle while making a space feel more intimate with the use of barriers like large plants or trees, a pergola, or privacy panels. Designing distinct spaces with divided zones helps create the feel of a secluded getaway and gives each area purpose. Design for All the Senses. The best spaces are those that delight all the senses. In addition to designing a comfortable, beautiful space, consider adding outdoor speakers for music that sets the mood, or a water feature that eliminates street noise. Relax and enjoy the delicious smell of grilling or the experience of roasting marshmallows over an open flame. Consider adding fragrant bushes to fill the night with a sweet scent. Get creative.

Add Accents. Small touches can go a long way. Homeowners can personalize a space with items that define their style and personality or focus on a fun theme. Don’t be afraid to add bold pops of color—an outdoor living area is a great place to explore a more adventurous design than you might consider inside the home.

Are you looking to get more out of your outdoor spaces? Dreaming of days spent lounging al fresco with friends and family? You’re far from alone.

“The research shows the most loved areas of the home combine relaxation, socialization and functionality,” says Stephen Schroeter, Napoleon Products senior vice president of Sales and Marketing. “Outdoor spaces provide a great opportunity to accommodate all three, yet they are still vastly underutilized by most homeowners.” He has some top tips for creating the dream outdoor oasis:

Add an Outdoor Kitchen. Outdoor kitchens are growing in popularity, and for good reason. Not only do they meet a basic need, but they do so in a fun, engaging atmosphere. No one wants to be stuck inside preparing a meal when the party is out under the sun—or stars. The showpiece of every great outdoor kitchen is a quality, professional grill, either freestanding or built-in. Other culinary considerations include outdoor refrigerators or coolers to keep beverages cold and flowing freely, pizza ovens, and sinks for easy clean-up.

Establish a Gathering Place. One of the most important features of an outdoor space is an area for socialization. A central location with a variety of seating options creates a welcoming atmosphere. Consider a built-in fireplace or a fire pit to provide a focal point and enable the space to be used later into the season.

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LONG & FOSTER

RESIDENTIAL/COMMERCIAL REAL ESTATE • MORTGAGES • TITLE • INSURANCE

Severna Park Office

ANNAPOLIS $735,000 Stunning custom Built 4 Bedroom, 3.5 Bath Brick Front Property on Large wooded lot has many upgrades! Be a part of History when you buy this home with 2 structures on a 5+ acre lot. Only 11 years old. Sale also includes a historic log cabin. This property is also for Rent $2,896 (excludes Log Cabin) 997 Chesterfield Road (AA9967710/AA9974232) Call Bill Lambros at 443-995-3520. Text R566936 to 52187

ODENTON $445,000 Pristine Condition! 4/5 BRs, 3.5 BAs. Freshly painted thru-out! Gourmet kitchen w/Granite. Separate LR & DR. Family Room w/Fireplace. New Triple Pane French Doors to beautifully landscaped fenced yard. New HVAC & Roof. Finished Lower Level w/full BA. Lots of Storage (AA10017150) Call Rich Agar at 443-865-8045 Text R495487 to 52187

GLEN BURNIE $399,000 Welcome Home to this Beautiful Colonial. Prime Setting in desirable Point Pleasant. Features 4 Bedrooms/2.5 Bathrooms, 2 car garage, hdwd floors thru-out main level, eat-in kitchen w/new appliances, huge master suite, large lower level and fenced backyard. (AA10074537) Call Rich Agar at 443-865-8045 Text R566970 to 52187

EDGEWATER $329,000 This beautiful & well maintained townhome in River Oaks features an Open Floor Plan, Brazilian Walnut Wood Floors, Eat-in Kitchen, Newer appliances, Butcher block Island w/ storage, 5 Burner Gas Stove, Built-in Microwave, pantry, ceramic tile, recessed lights, new ceramic flooring in upper bathrooms, closet organizers, new larger HVAC & AV in 2015, deck & shed. (AA10018217) Call Stacy Early at 443-623-8116 Text R526720 to 52187

Federal Hill $279,900 Truly a Federal Hill Gem! This amazing home boasts 2 BRs & 1 full BAs along with original hdwd flrs thru-out. You can enjoy peace and tranquility off your MBR deck or private brick patio. New gas furnace. Home warranty included. (BA10015356) Call Emmett Ward at 301-928-8609 Text R495496 to 52187

LAUREL $1,750 Nice 3 level townhouse featuring 3 Bedrooms, 2 Baths and eat-in kitchen with slider to large deck. Master bedroom with large walk-in closet. Finished lower level with office and den. Russett Community amenities include pool, tennis courts & playground. (AA10060749) Call Emmett Ward at 301-928-8609 Text R566957 to 52187

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SEVERNA PARK

PASADENA

ARNOLD

EXCEPTIONAL AND UNIQUELY DESIGNED new construction in the heart of Severna Park! 4,833 sq ft of living space on 3 fully finished levels with 3 bay oversized garage, multiple decks, terraced landscape, views of the water and surrounding woodlands. Hardwood flooring, gourmet kitchen with dumbwaiter, luxury tiled baths, and rooms filled with natural lighting make this home a must see!! $799,000 AA9859036 Text R218440 to 52187

FABULOUS open ﬂoor plan with sunny morning room, granite and stainless kitchen with large island, formal living and dining spaces, large bedrooms, and spacious ﬁnished basement complete with areaway to back yard. Soft colors throughout will make this home move in ready! New roof and fence make this home a solid option with major components replaced! Community pool and tennis and more! $519,900 AA10034813 Text R511339 to 52187

GORGEOUS NEW HOME to be built by Whitehall Building and Co. Sited on 1.3 acres backing to woods, this new home will feature Maple cabinets, granite counters, stainless appliances,hardwood kitchen and gallery areas, tiled baths and accent moldings throughout. Photos are a sampling of builder’s work. Floor plans are for the Durham II model. $599,000 AA10053755 Text R532498 to 52187

SEVERNA PARK

CAPE ST . CLAIRE

PASADENA

STATELY CHARTWELL HOME features 5 bedrooms, 2.5 baths with over 2500 sqft of ﬁnished living space above grade. Beautiful location, yard backs to golf course. Meticulously maintained original condition, this house has a great footprint and bones! Additional 1,000+ sqft of unﬁnished space in lower level. Attached 2-car garage, detached 2-car garage, and screened rear deck too. Ready for renovation. $635,000 AA10046207 Text R522118 to 52187

NEW CONSTRUCTION with all the bells and whistles. Granite kitchen, wood ﬂoors, tiled baths and more! 1 of 2 homesites available. Don’t miss this opportunity for a new build in water privileged Cape St Claire. Plans and specs available under matrix docs. MHBR#5647 $435,000 AA9859044 Text R218441 to 52187

FABULOUS, newly renovated rancher in beautiful water priv. Chelsea Beach! Tons of updates including new roof &gutters, new septic, new windows, new kitchen w/granite & stainless steel appliances, new carpet, refinished hw flrs, new fin.bsmnt w/ 4thBR or large den, spacious rec room, fresh paint! Master BR w/ priv. bath &sliding door to deck. Huge backyard w/ large shed. Chesapeake Schools! $399,900 AA10037752 Text R513659 to 52187

SHADY SIDE

CENTREVILLE

GLEN BURNIE

ENJOY WATER VIEWS in this beautiful new construction in Snug Harbor! 4 BD, 2.5 BA, stunning kitchen w/granite counters, 42” solid wood cabinetry, island w/breakfast bar, room for table space, huge pantry & stainless steel appliances. Gorgeous great room w/ gas ﬁreplace & sliding glass door to rear deck. Large master BD w/ attached full bath & private deck. Finished fam room & 2 single car garages! $399,000 AA9858969 Text R218437 to 52187

BEAUTIFUL 5 BD, 2.5 BA brick front colonial with over 2700 sq ft of living space and 2 car garage in Centreville! Updated appliances, granite counters & morning room off of the kitchen. Hardwood ﬂooring, 2 zoned HVAC, updated hardware & lighting ﬁxtures. Huge deck with pergola, inground pool, fully fenced yard sited on largest lot in the neighborhood. No HOA! A stunning home you MUST SEE! $343,000 QA9971736 Text R410474 to 52187

FEATURE rich 3 bedroom, 2.5 bath Colonial with 1 car garage in Point Pleasant. Hardwood ﬂoors throughout main level, stunning kitchen with SS appliances, granite counters, shaker style cabinets, and breakfast bar. Large master bedroom with attached full bath. Finished basement with family room and stairs to backyard. Large rear deck with hot tub and in-ground pool too! Walk to dock bars!! $319,900 AA10020198 Text R479016 to 52187

ARNOLD

LINTHICUM

BALTIMORE

THIS WONDERFUL 3-LEVEL TOWNHOUSE was beautifully renovated in 2015! Spacious kitchen boasts GRANITE countertops, upgraded cabinets, STAINLESS STEEL appliances & ceramic tile ﬂrs. Other updates include HARDWOOD ﬂoors, bathrooms, water heater, windows & doors! New HVAC in 2017. Finished walkout basement. Enjoy beautiful wooded views from large deck or cozy front porch. Broadneck School District. $279,500 AA10007731 Text R459676 to 52187

SMALL SUBDIVISION in Linthicum with 4 lots available and ready to build. Great location! Bring your plans or we can build for you. Package deal available for multiple lot purchase. Plats available upon request. $145,900 AA9968898 Text R380922 to 52187

NICELY RENOVATED and spotless 2 bedroom 1.5 bath rowhouse in Marble Hill. Updated mechanicals, plumbing, electric, HVAC, roof, & windows. Updated kitchen with granite countertops, ceramic tile ﬂoor, and newer appliances, kitchen/dining room combo. Beautiful hardwood ﬂooring in the rest of the house! Rare main level half bath! Would make a perfect rental property, a great value & a MUST SEE! $77,500 BA8691152 Text P107575 to 52187

443-995-2297 TOLL FREE

1-888-436-1094 E-MAIL

ASSOCIATE BROKER

deedee@longandfoster.com

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TRANQUIL WATERFRONT CONTEMPORARY has it all! End of cul-de-sac location boasts 3400+ sqft living space, acreage, 3 bedrooms, 2.5 baths, 3 wood-burning ﬁreplaces, private dock, beach, waterfront gazebo, composite decking, & in-ground pool. Beautiful gourmet kitchen w/SS appliances, granite counters, breakfast room, & pantry. Separate dining room, expansive great room with cathedral ceiling, and main level master bedroom suite all w/water views. $1,175,000 BC10044406 Text R495395 to 52187

MIDDLE RIVER

Sought after Annapolis Waterfront Location! Take the water taxi to town from your own private pier or sail off on the Bay. Remodeled original cottage, expanded to 5800 sqft and uniquely designed for outdoor entertaining with indoor pool opening to waterfront veranda. Coffee or cocktails by the waterfront will make every day feel like a vacation! $1,295,000 AA9691825 Text P107590 to 52187

EASTPORT

ANNAPOLIS

GORGEOUSLY REMODELED RANCH in coveted community of Amberley. Spacious 5 BD, 2 BA home w/2700 sqft above grade. Chef’s KIT w/Viking appl. including 48” cooktop, double wall ovens, flushmount microwave, marble counters, & island. HW floors, dual zoned, rear deck & stone patio, firepit, w/lighting, & prof. landscaping, 1 car garage. Vacation at home with water access and boating in the community! $739,900 AA10030296 Text R495423 to 52187

FABULOUS 4 bedroom, 2.5 bath colonial with 2,000+ sq ft in the heart of Annapolis! Large kitchen w/SS appliances, top of the line granite counters, and center island, formal living & dining rooms, cozy family room w/wood burning FP. Master bedroom with cathedral ceiling & attached brand new spa bath! Large fenced yard, detached garage & off street parking, very rare features! Simply Charming! $529,000 AA9977245 Text R409046 to 52187

443-995-2297 TOLL FREE

1-888-436-1094 E-MAIL

ASSOCIATE BROKER

deedee@longandfoster.com

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