Housing Blog USA

Magnificent Views on the Chesapeake

Camille O'Donnell (O'Donnell Properties) — Thu, 17 Sep 2009 21:06:19 -0500

LIAR LIAR PANTS ON FIRE

Camille O'Donnell (O'Donnell Properties) — Sat, 22 Aug 2009 08:56:26 -0500

Why does a listing agent who assured me she had done many short sales before lie?

As we headed into the process it was evident the listing agent did not know what she was doing. Not only did she fail to be conscientious, her communications were sloppy with me so I can imagine how they were with the lender. I was constantly after HER to check, check, double check and check again with the lender on new developments. On top of this she was overhwelmed with being the major caretaker of her mother, and other times she was in a hospital with her sister who was an addict and another time she was out West admitting her sister into a addiction recovery center. Now you tell me how in the world would a professional real estate agent ever be able to offer her client the best service-especially a short sale. I finally had to get her broker involved. Enough, was enough, and to date because of her mistakes we are still waiting to go to settlement. Thank God, my buyers are very understanding and patient. I recently got an email from her thanking me for all my help and she admitted that I was the driving force to get this short sale to closing. I don't mind helping, and I did sympathize with her family setbacks, but an agent needs to realize when they need help!

Please, please, please Agents- if you are experiencing major life events in your life, please ask for help or alert your broker. This is not fair to everybody involved in a real estate transaction.

OPEN HOUSE MOTHER'S DAY 12- 3PM Stunning Waterfront!

Camille O'Donnell (O'Donnell Properties) — Thu, 07 May 2009 18:13:05 -0500

Photo Gallery

Description and Features

OPEN HOUSE MOTHER\'S DAY, 5/10/2009- 12-3pm. Welcome to this exclusive custom designed colonial home (2.77 acres) in a quiet cul de sac at the Landings at Mattapex community on Kent Island! You will love your gorgeous gourmet chef’s kitchen, complimented with a breakfast room/sitting room w/a cozy see thru fireplace with a splash of sunshine year round. Greet your guests in your formal parlor room with a historic fireplace. You will cherish your office with its rich built-in cherry cabinets with a pastoral backyard view. Cathedral ceilings overflow to the second floor to the sleeping quarters. The home boasts 3,478 sq. ft. of living space plus 2,416 sq. ft. walkout basement. Bring your horses, linger at the ponds, watch abundant wildlife and birds amongst the artistic sculpture. Also features a pier to party, crab, fish, enjoy sunsets by boat, comes with boat lift and 285 ft. of shoreline. Only five miles from the Chesapeake Bay Bridge Bridge and Rt. 50! Come and enjoy summer and throw a party for your friends and family now.

Bedrooms:	4
Bathrooms:	3.5
Parking Spaces:	6
Square Feet:	3478
Lot Size:	2.77
Year Built:	2001
Floors:	2
MLS #:	QA7041659

Location

Click to view map: 233 Mattapex Plantation Lane Stevensville MD 21666

Links

FEAR OR $8000 Credit

Camille O'Donnell (O'Donnell Properties) — Thu, 07 May 2009 10:40:56 -0500

Is FEAR keeping you on the fence about buying a home? Realtors hope a stimulus offer from Uncle Sam will help you make the move. But, as I talk to other agents it seems they're starting to notice an increased interest.

What is holding people back?
A big fear. Fear of losing their jobs, fear of the economy in general, fear of what's going on.

FEAR Is the perfect emotion!
Politicians use it all the time. In fact, I have seen special interest groups use it to the "max" to invoke a fear reaction to get an exaggerated response. I am not saying the government is using fear to prevent people from buying homes, but I am saying fear can move mountains.

Is the government helping the housing industry?
Yes, I think now, they are trying to stimulate sales for the first time homebuyer. But, it can be so confusing and people who bought before Jan. 1, 2009 are sounding off as being resentful. But they really shouldn't, because if the stimulus wasn't in place at all, their home values could possibly be falling even further. The $8000 credit helps stabilize the home values.

So who actually qualifies for the $8,000 tax credit?
The government is giving first time home buyers or people who haven't owned a home in three years, $8,000 if they buy between January 1 and December 1 of 2009. It certainly does give hope for what's happening in the housing market. It really would have helped if it would have applied to all home buyers.

Here's how the tax credit works:
1) The home you buy has to be your primary residence, it can't be a second home
2) It pays $8,000 or 10% of the purchase price, whatever is lower. If you buy a $65,000 home, you'd get $6,500.
3) The credit pays less if you are a single buyer who makes $75,000 or married buyers who make $150,000 or more.
4) You don't have to pay it back if you live there for three years or more.

Did you know you can amend this year's taxes?
If you already did your taxes and let's say you bought the home today you can go back and file an amended tax return and get the money now.

Example please..
If you owe $3,000 and buy a house, you'd get $5,000 back. If you buy a house and owe nothing on your taxes, you'd get the full amount of money.

No Down payment credit
Can't be used as a down payment because you can't get it at the closing table but you certainly can get it very soon after purchasing the home.

This is the time to buy, with historically low interest rates.

*Building Your Own, Pre-fab and Mobile Homes
If you're going with a pre-fab, or Design home type of purchase, builders say to qualify, you have to be living in the home by December 1, 2009. Mobile homes have to be on a piece of property, not in a park. If you want to build a home, you can get the tax credit, but you have to close on the sale of the home with your contractor by December 1, 2009. If you own land and are acting as a general contractor, I believe you have to be living in the home by Dec. 1, 2009. *

*Check with your accountant and state laws for building your own,to get the credit.

I Became a Broker!

Camille O'Donnell (O'Donnell Properties) — Fri, 01 May 2009 09:40:56 -0500

Guess what? I became a licensed real estate broker!! After several months and lots of expense, I have officially passed the Maryland and National broker test, said good bye to my former broker, opened up my escrow trust account, transferred my membership with the appropriate agencies, ordered my signs, stationary, cards and still have more to do. So, don't go looking for my website just yet, I am still working on that. Here's my other blog.

Why Did I Decide to Become a Broker? I love the independence, I love being my own boss, the challenge, I love keeping my own pace, making my own decisions and most of all I get to keep all of my commission. I realize there will be times, when I will have to stay in touch with my attorney for guidance, and there will be issues that will be complex. But we have a cornucopia of resources to turn to and my online friends at ActiveRain are incredibly knowledgeable. Thanks Guys.

What Was I Thinking? People say I am brave to make a change in this market and others seem to tilt their head and give me that, "Are you kidding look?" I think what people don't know about me, is where I have been, what I have mastered and accomplished and what I am made of.

The Making of a Broker Today It does take confidence, stability, conscientiousness and strong work ethics to become your own broker and boss. In fact, most entrepreneurs are very hard on themselves, work harder and longer hours and thrive in seeking new ventures.

Business Experience? I have had my own business in the past; so I do have some knowledge and experience of what it is like swimming in the big sea as a goldfish amongst sharks, jellyfish, thieves and crooks. We are in volatile times, and my theory is, if I make it as a broker and can still be standing five years from now- I will have beat the odds!!

Do You Plan to Hire Agents? Ahhhh, I have seen how other brokerages are set up and I am not keen on the responsibilities and risks involved when agencies have many agents. So, for now I am staying small, I really don't want to take the risks. Although, I am recruiting a couple of my family members to acquire their RE license, so I can offer dual agency. Besides, there are so many benefits to being your own broker, even if it's for your own personal real estate investments.

Where's Your Office? For now, I have renovated a room in my house as my office in Queenstown, Md. I have a temporary sign designating my agency and can't wait to see the sandblasted sign I am having made. One day, I will move my office to a commercial location, but there are advantages to working at home. And who knows, since the big change in real estate transferred over to the internet, most customers and clients hardly ever go into a real estate office. Everything is done online and I am very comfortable and tech savvy. But, just in case, I will have a satellite office if I need to meet clients for whatever reason.

Well, gotta go, I have a settlement in ten days and I am busy working with my buyers on the eastern shore and across the Bay Bridge. Please pass on any comments, suggestions, lessons to be learned and anything else.

href=http://1.bp.blogspot.com/_DW4naw928LA/Sfr-3VW_9fI/AAAAAAAABEU/XryTvln9dLI/s1600-h/cycle+of+real+estate.jpg

Buyers Waiting, Sellers Waiting, Banks Waiting in 2009

Camille O'Donnell (O'Donnell Properties) — Fri, 27 Feb 2009 10:47:41 -0600

Where are we going in real estate? I have a number of buyers and sellers who see things so different. And of course, each and everyone of them have their own justifications.

For instance, the sellers wholeheatedly believe the market is going to spike this Spring and prices will remain stable (God Bless them). So they are optimistic and believe we need to be patient, stay the track and talk up the good talk, so to speak.

Here is what has been happening: Sellers will withhold listings from the market or cancel listings that don't sell within 90 days. If they are smart, they will adjust their listing prices and have a good agent that can persuade them.

Still others will: 1. Ask themselves if they are better off selling their homes on a short sale, absorbing the hit to their credit reports and becoming renters for a few years. Many sellers will turn to a short sale or walk away than try to directly deal with mortgage lenders. 2. Sellers who are unwilling to take a hit on their sales prices will put their homes on the market as rentals

What concerns me is the hard data, the unemployment rate reflecting the recession of the 1980's and the bank trouble reflecting the depression of the 1930's. Going alittle big closer to home, our sold stats for Queen Anne's County are down almost by half. Our inventory right now is climbing, the closer we get to the warm weather(which I cannot wait for) the residential properties on the market for sale or rent hover around 700 plus.

And we have some 300 real estate agents who are registered with the Bay Area Association of Realtors and if you ask any of them (agents) they will tell you it is crazy market. Yes, I know we are supposed to say, "Everything is great and Unbelieveable," to avoid the downtrodden and rotten news about the market. That notion of accentuating the positive does work, but what happens when reality sits in?

Please do not get me wrong: I think this is a fantastic market and there are some really killer deals out there. But we are dealing with sellers who don't want to be realistic on setting their selling prices, buyers who think the market is a free for all and writing ridiculous low ball offers.

Then, you have the banks who say they want to sell their homes but, still don't want to budge on the listing prices and think they can get 90 cents on the dollar. You can't help but, ask yourself, "Do the banks really want to sell and do they understand what is going on in the market?" You would think the banks would jump at a reasonable offer and avoid the frog leaping, loop-jumping scenarios.

Okay buyers, yes it is a wonderful time, on the bright side, employed home buyers with good credit will find 2009 is an excellent time to buy. And of course, cash buyers will win every time over buyers who need financing.

Please do your homework and realize most properties have already been adjusted for the 20% reduction over the last year, the experts claim. Of course, it's a buyer's market and many think the prices are going to continue to drop, so they wait, and wait and wait some more.

Well, Mr. "Waiting" Buyer you can just wait, and hope that property does not get snatched up or you may be doomed watching the interest rate go up. And guess what? Not only may the price drop on the home, but if the interest rate goes up you will be paying more for that home. You see, if you would buy now while the interest rates are so low, you will save so much more instead of waiting for the listing price to drop. So don't wait, you're in control. Write your offer contingent upon the property appraising at the agreed upon sales price and on obtaining your loan.

Call me at 443-786-0200, I would be happy to sit down with you and crunch the numbers.

Frustration Over Housing Bailout??

Camille O'Donnell (O'Donnell Properties) — Tue, 24 Feb 2009 07:17:16 -0600

Obama's Recovery Housing Bill is full of help, or not???
To help you siphon through the legal jargon of the housing recovery aspects of the bill, I thought as a realtor, I would try to spell out exactly what that means for the home buyers or homeowners. Please let me know if you feel powerless or are you still confused over what you get out of this bill or if it hurts the responsible who lived within their means?

38% or MORE ON YOUR MORTGAGE

Get out your IRS tax statements or your W2's and take a pen to paper. To qualify for a benefit to lower your monthly payments, the bills requires that you have to be spending at least 38% of your monthly income on your mortgage. Makes you wonder if homeowners who become desperate will quit their jobs so they can qualify. I guess, that would work, as long as their spouse has a job. I mean this could make a difference if you walk. Now this doesn't apply to second homes or investment homes.

The way this works is you and me and your mortgage lender will help divvy up the costs of lowering your payments to 31% of your income. Can you imagine....that means you could have an interest rates as low as 2%. Or you may get the principal reduced. Plus, if you pay your mortgage on time, US taxpayers will pay off as much as $1,000 of your loan each year for five years. If you happen to have a mortgage payment less than 38% of their income - you my friend are out of luck.

REVERSE MORTGAGE LIMITS RAISED

If you are trying to help your parents or any senior citizen feeling the pinch , you may want to explore the reverse mortgage option, The limits for reverse mortgages backed by the Federal Housing Administration have been raised to $625,000 from $417,000.

HOUSING COLLAPSE WIPED OUT EQUITY

There maybe help for you. If you have been paying your mortgage, but because of the refi market and housing collapse that has wiped out your equity, you may benefit from the new refi assistance. So, the qualifications for the government to help you refinance your mortgage is: if you owe between 80% and 105% of your home's value. The downside is: this will only help those with mortgages owned by Fannie Mae or Freddie Mac get cut in. And it excludes many homeowners in Florida, Nevada, Arizona and California. This really stinks.

$8,000 TAX CREDIT or Really?

This one is an eyeopener or another government tease. You know how the government has been flirting with the $8000 tax credit for new home buyers, well the truth is: Anyone who hasn't owned a home for at least three years is entitled to a helpful tax credit, for up to 10% of the cost, up to $8,000, Did you get that: UP TO 10%. So for many of you who thought you would be getting the $8,000 tax credtit be careful and read the small print. And of course, you have to buy a home this year.
The good parts is it is a refundable credit - so if you don't pay $8,000 in taxes, or indeed any taxes at all, you get the rest as a check. Now, if you make a high income-you again are out of luck - the credit phases out above a modified adjusted gross income of $75,000 for one person.

CONFORMING LOAN LIMITS RAISED

The government just raised the "conforming loan" limits to $729,750 from $625,500, yea for those that can buy those expensive properties AND can qualify.

Now, I am not a mortgage banker or lender, just doing my homework. However, please comment, if you have additional information to the consumers that could help alleviate any concerns.

Rancher Cheap - Don't miss

Camille O'Donnell (O'Donnell Properties) — Wed, 28 Jan 2009 13:59:53 -0600

Heads Up!
Get a load of this: a beautiful six year old rancher for $299,900 located in Bridgetown Estates in Queen Anne's County.

Now, this is a deal - it's a three bedroom, two bath -1,482 square feet of living space on an acre of land with a garage. Short distance to the Bay Bridge and Annapolis and major routes. Call me: 443-786-0200 (Camille) Don't let this pass you by.

Take a Stab at 2009

Camille O'Donnell (O'Donnell Properties) — Thu, 01 Jan 2009 09:58:27 -0600

Who knows what 2009 will bring? I challenge you all to take a stab of what you can do to strengthen our country? There is frustration and it is growing. Here is how I read this: I saw this coming three years ago and only by the good fortune of my son who had his ear to the heart of this bubble. He was a mortgage banker then and kept trying to tell all of us, while I was bringing in the constant bucks.

With that said, what do we do, who do we blame and what can we expect? The only good thing is that the bubble did burst and now change has to happen and we are all being forced into change. The government is trying to limit pain, by injecting bailouts and still protecting the major players. Seriously and realistically, we need to have pain inflicted so we can have change. The band aid effect on a deep wound is not going to work...we are all going to have to become creative and resourceful until the market corrects itself. We are going to have be witnesses to a downturn in our economy, We will have to watch on the sidelines as businesses close down and our quality of life is going to suffer. Only then, will we see some stabilization and allow the market to reposition itself- that can take years. There is also an immediate imperative to restore some faith that society can survive the dreadful threats it now faces.

Am I scared? You bet, but that is where your faith comes into play. I'm not talking about the faith in our policy makers who got us into this mess and who we are expecting to get us out of this - this is absurd! I don't believe they have any great hunch of how to strategically manuever our way out of this deep black hole. Young adults under 30 do not remember a recession, people in their forties slight remember and if you are in your fifties you remember the "poor Great Depression stories" from your parents and grandparents. You could think I am being too much of a pessimistic, but what if it is true? That is why it is so important to become involved in your local and state government. Become involved and ask the questions so you don't sit around asking how did this happen and why this and why that.

What am I going to do? Utilize my god given skills and be extremely conscientious of every dollar I spend. i am going to think long and hard about every client I represent. All of this is a process and it will take time for the progress.

To hold out for disclosures will be like holding your breath. From a biblical sense, all of this is supposed to happen, but do not let it shake your faith. You know what you are made of and now you have to prove it. I know the distractions are many, but I believe it is time to take a journey in the unknown if you want the unusual, you have to do what's never been done. I believe, sometimes God takes people and things away from you so you can see things clearer.

I also believe there are more people like us than like them. That is where I am putting my strength- on the people who show gratitude and appreciation. And there are many!! This country was built from nothing and we can all build it up again. What a lesson we will have to pass on to our children: the privilege of displaying perseverance despite the state of our economy. Through our failures, whether we fess up to it or not, we had warnings we just chose to ignore. Even though we did not have a physical hand in creating the problems we are facing, we do live in a free market capitalism and freedom of speech. Why did I ignore my son's warnings? Could it be we were all living beyond our means? There were plenty of signs and many who knew of what was coming down the pipeline.

I believe in AR Angels

Camille O'Donnell (O'Donnell Properties) — Mon, 29 Dec 2008 09:26:07 -0600

The joy is here! Thank you Active Rain and the members who showed up at the Annapolis gathering on the 22nd at Famous Daves! You see, I buried my mother on Dec. 19th in New Mexico; after her long suffering with Alzheimer's. Many of you know I traveled to Dubai this past summer to bring her back to the US. She was visiting my sister in the middle east. It has been hard. but here's how my return to Maryland started last weekend. I flew home on the 21st and waiting for me via email was an Active Rain invite gathering from Margaret Romeand Pat Hommel. I hesitated for a bit, but something edged me to get out of bed despite my mourning to get myself dressed, and cover up for a cold brisk Dec. morning.

As I crossed the Bay Bridge I thought to myself, just turn around as the tears streamed down my cheeks. But somehow, I ended up at Famous Daves. To my surprise, I walked in and instantly was welcomed by some of the greatest AR members in the MD/VA market. Margaret Rome made me so welcome by introducing me one by one andwithout a hitch I was conversing about life, death, mothers, real estate, books, and shopping.

The thoughtfulness and consideration that shadowed over me was so warm and welcoming. I knew why I was there, I felt the camaraderie, I felt the empathy and I felt friendship especially during this difficult time for me. Yes, i could have stayed home, but I believe an angel put wings on me and whisked me over to be amongst other AR angels. Call me strange, but I do believe in Angels, and I needed the fondness of my new friends. My emotions were charged and fueled as I looked around the table, for a moment I felt the spirit of Christmas -they kept me smiling and I found myself bubbly and a sense of peace was evident. So, even though I am missing my mom terribly, I know I can always count on my new online AR friends. Thank you, thank you and here's wishing you all a Happy and safe New Year!

More Clips about our Annapolis gathering on the 22nd.

PS. CONGRATUALTIONS TO AUTHOR AND AR MEMBER MARGARET ROME FOR MAKING THE TOP TEN BOOK LIST on Trulia.com. Her book is titled:

Dubai Thru Our Eyes

Camille O'Donnell (O'Donnell Properties) — Sun, 21 Sep 2008 13:06:45 -0500

In the last few weeks I had the chance of a lifetime to visit Dubai, U.A.E. and also was summoned to bring my mother back to the states. You see, my mom who suffers from Alzheimer's was desperately wanting to come to her home in New Mexico. She had been with my sister who lives in Kuwait for the last year or so and they were vacationing in Dubai. Her condition was detioriating. I have included some pics and thought you all might enjoy the views.

We flew into Paris and then eventually 23 hours later we landed in Dubai city. I have to write about Dubai-it is absolutely fantastic to say the least. The architecture is incredibly amazing and the beautiful buildings go on forever. The very tall sky scrappers fill the horizon making it the "mother of all modern cities" in this universe.

Dubai, the city for the rich and famous is dripping with trend setters and the heartbeat of economic rumblings is every which way you look. The backdrop settings is the aqua colored water in the Persian/Arab gulf- the jewel of the city.
George, my husband and my brother in law, Bader came back from the Gulf looking like sun scorched lobsters after spending four hours in the bath temperature water. The beaches are beautiful and conservative and public displays of affection is forbidden. Even holding hands is looked upon as a sin and is hardly seen. The city is dry (no alcohol is allowed/sold)- so if you want to kick up your heals, the best bet is to catch a show, attend the theatres, dine out, take a boat ride in Dubai Creek or shop til you drop! While taking a boat ride, we were able to see the old Dubai of years past as the wooden boats and Bedouins lined the creek and old buildings. We visited the tourist attractions like the "Palm Jumeirah" and "The World" man made islands" and we drove past the tallest building in the world, Burj Dubai and Burj Al Arab, the tallest hotel in the world on a man made island. We also went into Ski Dubai an inside ski destination- part of the Mall of the Emirates --- unbelievable!! To think you can ski in the middle of the desert where it is 30 degrees inside and outside it is burning like hell, is unimaginable.
When we walked to the beach - 10 minutes away I felt like I had been baked inside and out. August is certainly not the time to visit Dubai, they say Feb. and March are the best times.

Now, this is a city that understands economic development---if only Queen Anne's County had such a glimpse. Anyway, my sister and her husband have a flat in Jumeirah ( a high rise) on the 18th floor next to the Palms. It features the promenade below offering four outdoor pools and a short walk to the private beach and designer stores line the walkway.

The many multi-cultured restaurants fill the downtown streets and most of the people you see are foreigners or tourists, like we were. During the days, the heat can climb up to 120 degrees, which is why Dubai looks like a ghost town during the day and by 6 pm the city comes to life!

The only people you see during the day are the low paid workers who work in that dreadful heat for pennies a day. Every mile or so you would see some fifty male workers lining up waiting for non air conditioned buses to take them to the trailers where they live in the desert.

One of the kewl things to see in Dubai are the glorious designs of the building. Under construction right smack in the city is the the mono rail that winds up and above and around the existing free ways and roads in the city.

One thing we learned for sure is you need to have plenty of cash or have the luxury of being a guest in Dubai. It was evident that we were among the very rich when coffee at Starbucks was $11 a cup, eight bananas were $6.00 and a twenty minute ride on a camel for two people was $100.00

A nite of lodging at a basic hotel in Dubai runs around $320.00 per person. Thank the Lord, my sister and brother in law insisted on paying for everything. In fact, we became spoiled as the maid took care of our cleaning, laundry and cooking.

I certainly checked out the real estate and as you guessed it, "We couldn't touch it" but, there is plenty of work for Realtors. However, there is talk that the build out maybe coming to an end in a couple of years. I thought of staying there and selling real estate, but that quickly passed when I realized I can only speak a dozen or so words in Arabic.

Although, most everyone there is fluent in English, except the workers. Dubai is so much more Americanized than Kuwait...and Kuwait has most of the franchises you would find here in the US, but Dubai takes the lead of the American influence.

Well, we brought my mother back on the plane- and that was quite an experience. If any of you, have ever cared for Alzheimer patients....... you know the kind of patience one must muster up.

Our plane ride to Paris was uneventful, but all hell broke loose when we boarded Air France to fly back to Dulles airport. Unfortunately, my mother became frightened and had a couple of bizarre episodes and started yelling, Help, Help and a few other rantings! She attracted a captive audience (some 500 passengers) in the middle of the Atlantic ocean and I was praying to God for a divine intervention. But it didn't happen right away, my mom royally embarrassed us by causing a scene to the point of having the airline security come and visit us.

I immediately informed them what her problem was and they tried ever so kindly to calm her down. (She was insisting on wanting to get off the plane and commenting how the people on board looked strange to her.) I was praying for her medicine to kick in and it did after about 15 minutes of appealing to her. We wanted to crawl up into a ball and disappear out of sheer humiliation. We were never so happy when the light switch went off in my mom's brain and she became docile again and returned to her seat. I think for the first time my husband hated me, and I couldn't have blamed him. Thank goodness, we did not know any of the passengers nor do we ever have to see those people again.

In hindsight, it was a frightening experience for my mom and can't imagine how scared or insecure she was feeling. When parts of the brain stop working, it must be unbearable to comprehend your surroundings and stay calm. Thank God we remained calm and everyone seemed to understand and tolerate her outbreaks.

I finally ended up taking my mom back to her home in Las Cruces, New Mexico a few weeks ago. For those that have parents with Alzheimer's my heart goes out to you - it is a daily chore.

Tech Savvy Classes Web 2.0

Camille O'Donnell (O'Donnell Properties) — Mon, 14 Jul 2008 15:31:08 -0500

How many people would take a an hour class to learn some of the new Web 2.0 and other kewl tech tools to make your job easier and to impress your clients? As the sellers and buyers of the world get more savvy, they will expect and demand more from their Realtors. I was amazed when I ran an ad/email to my fellow realtors in our association the last few months. I thought since the market had slowed down I would brush up on my marketing, I started showing some of my friends some of the online tools and they were intrigued and asked for me to setup classes. So I did and started a new side venture of conducting Tech Savvy classes (something I have had a passion for the last ten years). The best part is most of the tools are FREE!

During the nineties I was an online editor and learned how to manipulate from the behind the scenes. Now, I am no programmer, but there is alot of tools we should all be using on our blogs or websites. For example, in my class we explore the latest trends in online marketing and advertising, including terminology, features, strategies, business models, tools and technologies. Some of what I will show them will be exciting, some things may overwhelm them, but for the most part you will be exposed to some new technology that will get you ahead of the curve. Just to let you know how fast technology is advancing: some 5000 photos are loaded down per minute to Picaso (an online public/private photo storage service). And according to google CEO, Eric Shidmt, there's over 70 million blogs. And for a little bit of fun, if you assume the current growth rates... by 2019, you will be able to watch 85 years of video on a device in your purse/pocket.

Some of the topics I discuss include:Real Estate Portal Sites (classified online postings) , eFlyers, Single Property Websites, Listing Syndication (to portals-classifieds), RSS Feeds/Feedreader/Feedburner, Blogging,Vblogging , Social Networking, Data/Analytics/Statistics, IDX, Active Agent, Google Maps, Widgets and Wiki's and Google Alerts and of course ActiveRain!!

Technology is advancing so quickly and the Web is wonderful. Right now we are in the midst of seeing a major shift in audience and drawing viewer engagement. The marketing principles are changing and eventually, you will be able to track your precise targeted customer base by designing one correctly targeting ad- that will be so compelling.

The underling online theme in this kind of advertising is known as geotargeting and the birth of this service is the analytic tools! Data:more measurable mechanisms!! Today, very few buyers initially walk into an office. They'll do their research online.

If you know of any association or broker that would like to sponsor a class, please contact me at: 443-786-0200 or visit my blog at: www.qachousingmarket.com I promise you will be intrigued and feel it was worth your time.

Camille

Sailing on The Chesapeake Bay with Capt. Dave

Camille O'Donnell (O'Donnell Properties) — Wed, 23 Apr 2008 06:54:46 -0500

Sailing on the Chesapeake can be relaxing and peaceful. You can slowly drift down the Bay while sunning yourself on the deck. The gentle rocking of the waves is enough to put you to sleep. It can also be exciting and challenging. You could be hoisting sails and trimming lines while fighting strong gusts of wind. A day on the water offers many different experiences and emotions.

It takes an experienced and knowledgeable Captain to provide you with a complete sailing experience. The Captain must make sure that your party learns the appropriate sailing knowledge to pass the tests required by the American Sailing Association for certification. A good Captain will also ensure that you enjoy your time on the boat while maintaining safety as the number one priority.

Captains Dave and Penny Renoll have been sailing the Chesapeake Bay for 30 years. Their business, R&R Charters and Sail School, has been helping experienced and novice sailors learn the fine points of sailing over 7 years. I recently spoke to Captain Dave about his Sail School.

Kevin: You've been sailing for a long time. What qualifications do you have as a sail instructor?
Dave: I hold a USCG Master's License, have ASA instructor certifications up to Advanced Coastal Cruising including Radar Instructor and Instructor Evaluator. In addition, I have extensive sailing along the East coast and have cruised in Greece and the Caribbean.
Kevin: Why would someone want to learn how to sail?
Dave: Taking sail instruction will improve everyone's skills and help everyone feel safer on the water.
Kevin: Are you able to offer a different experience for novice and experienced sailors?
Dave: For the beginning sailors, we do day sailing on the Chester River, which is more protected; intermediate cruising students will do a four day cruise from St. Michaels to Annapolis and Baltimore; advanced students will do a Delmarva circumnavigation or sail to Norfolk and back.
Kevin: How does having a Husband-and-Wife team make your sail school different?
Dave: We will often team-teach a class so that the women will have the input from another woman. Additionally, most couples would like to cruise together and they can see how a couple can work together without one person dominating the other.

I can say that, sailing is an incredible experience that will test your mind and your muscle. Sailing is something that you can do for yourself, and something that you can share with your family.

If you'd like to know more, visit Captain Dave's website: http://www.randrchartersandsailschool.net/ or contact him directly at: Seasharp80@yahoo.com!

Going Once, Sold

Camille O'Donnell (O'Donnell Properties) — Thu, 10 Apr 2008 10:17:07 -0500

Perhaps, real estate brokers may want to take a look at auctions as a sideline service. I was reading how auctions are misunderstood and are beneficial in creating a competitive frenzy.

Now, I might not know what the heck I am talking about, but someone is making some money. My take is, if we are supposed to be offering solutions to our clients, why not open up the possibility of auctions? According to the National Association of Auctioneers-The auction is a power tool to open doors -you have something that your competitor doesn't have. Since we
are responsible for offering our sellers the best tools available...we should at least be telling them about all of the options. They deserve it. That means we could invite FSBO's, expired's, and
withdrawn's! Read more here: The Broker Auction Advantage or the Gavel is Powerful.

Homes Sales Down 50%

Camille O'Donnell (O'Donnell Properties) — Thu, 10 Apr 2008 10:14:32 -0500

Queen Anne's County home sales are down almost fifty percent, okay exactly 46.67% for the month of March 2008 compared to last March 2007. Yikes.....or hmmm?

Although, I sent out an email with the Queen Anne's County home sales for the month of March 2008, what I forgot to state is that was for All sales, not just for residential sales. So, if the number looked pretty good, you now may be disappointed. Here's what the MRIS stats show:
Click on the image below to enlarge.

Since, foreclosures and auctions are on the rise, you may want to take a peek at the only real estate website listing real estate auctions in a multiple listing style format.
This service by the National Auctioneers Association allows you to search by categories for many types of real estate set to be auctioned soon. Eventually, it will include land auctions. For now, click on the See upcoming Auctions link and it takes you to a map. Click on Maryland.

Sell Your Home or Ignore the Facts

Camille O'Donnell (O'Donnell Properties) — Fri, 04 Apr 2008 09:29:05 -0500

It seems we have come to a crossroad of two kinds of home sellers--- the ones that are facing the housing market straight up and pricing their homes to sell and the others who are simply ignoring the facts and digging in their heals.

Now, we can talk about this subject til the cows come home, but I'd rather cut to the chase and make things happen. The problem is everyone in the media is an expert in real estate and whatever position you take, it is human nature to tune into people who say what you want to hear.

Although, if you are like me, we need to become better informed on how to tell people that their house is not worth alot more than what the market is calling for.

We need to take a lesson from Walmart, "Low prices are one of the surest ways to beat the competition". Called ``drama pricing" or ``energy pricing," it is a drastic measure for difficult times. Although, your clients will be disappointed, we must share the information of other competitive listings and sold inventory that are seen by consumers as a perception of value. That is human nature.

The experts tell us to lay out the facts on how tough it would be to sell at the suggested owner's listing price. However, we must adhere to the rules and ethics as Realtors and understand the bottom line is the owner's decision.

All, we can and must do is educate them. And I must admit, I need to brush up on my skills.
The point is if you start too high, buyers forget about your property -- it doesn't matter how beautiful it is. As a home seller, you may prefer to wait out the market, if you don't really need or want to sell. Now, some agents won't agree with me, but I just think the more inventory we have of homes, the harder it is for everybody. Especially, the sellers who need to sell.

Today, we must focus on what is not selling and persuade our sellers to look at the prices of active listings that are indeed selling.

Queen Anne's County Active Listings

Camille O'Donnell (O'Donnell Properties) — Mon, 17 Mar 2008 22:46:54 -0500

As of today, March 17, 2008 the following active listings are displayed below and are broken down into the towns in Queen Anne's County:

Barclay: 7
Centreville: 136
Chester: 80
Chestertown: 42
Church Hill: 50
Crumpton: 6
Grasonville: 90
Ingleside: 5
Millington: 26
Price: 1
Queen Anne: 6
Queenstown: 57
Stevensville: 154
Sudlersville: 22

Queen Anne's County Homes Outlook

Camille O'Donnell (O'Donnell Properties) — Mon, 17 Mar 2008 22:44:52 -0500

You need to be an informed seller or buyer, it is imperative to know what is happening in the current Queen Anne's County market- www.qachousingmarket.com. There are many factors to determining the proper price when listing a home for sale. There are just as many factors to help you decide whether you are getting good value for your dollar when you purchase a home. (click on graphic to enlarge).

It appears that the bottom dropped out for 2008 according to the stats below for the last couple of years. The million dollar question is when is this market going to turn around?

Here is the breakdown, so far, for 2008 and for the month of Feb.:

Total Sold Dollar Volume for 2008: Jan. & Feb.	$ 8,677,250
Total Sold Dollar Volume for 2007: Jan. & Feb.	$16,563,362
Total Sold Dollar Volume for 2006: Jan. & Feb.	$19,909,555
Total Sold Dollar Volume for 2005: Jan. & Feb.	$15,193,661
Total Sold Dollar Volume for 2004: Jan. & Feb.	$10,634,166
To discuss your particular property and to get a more detailed idea of what your property is worth in our current market, including a free comparative market analysis, please call Camille O'Donnell: 443-786-0200. Good deals go quickly!
Sold Listings for Feb. 2008	24
Average Price	$ 361,552
Median Price	$ 307,500
Average Days on Market	239
New listings for the month	134
Active Listings for the month	666
Source: Metropolitan Regional Information Systems Information is deemed reliable, but not guaranteed.

Repeal Maryland's Homestead Property Tax Credit

Camille O'Donnell (O'Donnell Properties) — Tue, 29 Jan 2008 11:33:55 -0600

Heads up......If you are a homeowner in Maryland you need to take notice and understand that you are now being required to submit an application to receive the state Homestead Property Tax Credit (capping at 10%). This is a credit on your property tax credit bill.

On Jan. 30th at 1 pm in Annapolis, SB 239 (sponsored by many Democrats and Republican senators including our own Senator EJ Pipken) will be heard to repeal the requirement (to file an application to the State Department of Assessments and Taxation to qualify) and take the burden off of the homeowners.

If you are like me, one may wonder why was the process changed? When I inquired, the reason I was given was that there have been many property owners who were not eligible to receive the credit. Here's a look at the new application, and I can assume how cumbersome this will be for homeowners or if you forget to file or become confused by the new requirement, or try to file electronically and can't find your access number and simply do not file for fear of being in violation.

In 2007, the Maryland General Assembly enacted legislation that required homeowners to fill out a one-time application for the Homestead Credit. The legislation takes effect with the 2008 assessments. If the property is designated as you principal residence, an application was included with your tax assessment notice. Even homeowners who have previously received the credit must fill out the application or apply online. This form is due by April 1. For more information call 410-767-2165.

Please attend the hearing on 1/30/08. Here is the address below that you can submit your support of the bill.
The Honorable Ulysses Currie, Chair
Senate Budget and Taxation Committee
3 West Miller Senate Office Building
Annapolis, MD 21401

GDP"Godfather of Indicator

Camille O'Donnell (O'Donnell Properties) — Thu, 10 Jan 2008 13:47:01 -0600

Homes for sale with "price reduced" signs are beginning to be a common sight in Maryland. When you talk to sellers, the frustration is mounting and it doesn't seem to be getting any better.

You can blame it on the sub prime meltdown, the equity boom, the war in Iraq-how we have overstretched our military, the unemployment, the dependence on foreign oil, the outsourcing of manufacturing jobs to China and India, the injections of money into major US corporations from foreign nations or whatever, but it doesn't matter how we got here. We are here, and the lessons to learn are many and unfortunately they will be painful.

I believe you and me, need to look this straight in the eye and deal with it. But first, lets talk about recession. Or are we heading into a recession? Definition of recession in a short version: two consecutive quarters of negative GDP growth. What that means to you and me, is that the US is in the "red" and that, is not good. In other words, we are not making any money. According to the experts, some say "yes" while other predict the signs:

Growth in construction dropped to a 14-month low while home prices fell to a six-year low. And we haven't reached bottom yet.

Experts predict zero gross domestic product growth for the first quarter ending in March. Our strong export numbers can't overcome weakening domestic end product demand.

With all the rising housing inventories - it is evident customers aren't buying--an early danger signal of recession, according to experts. This is weakening the market nationwide. Some economic real estate experts say to sell your home in this market, the seller has to find the five lowest priced homes in your comparative market and list yours 10% below that number and you are sure to sell!!

Unemployment is holding up so far, but we're only 100,000 away from a shaky grounds. Employment growth has eased to a nine-month low and unemployment is steadily increasing-expect big layoffs in banking and housing.

Looking at the nation, experts say recession will develop in Florida and other states first. On top of all this we have the media pounding away with negative financial economic turmoil. This is all difficult to stomach. Plus, the psychology of it is making sentiment bad because housing prices have fallen, and without equity the consumers cannot borrow money to make consumer goods purchases.

Unfortunately, the massive injections of credit and lower interest rates have not solved the subprime debacle and the freezing up of credit markets. The financial services index has dipped to a 14-year low. It's not clear easy money can save us from a recession. They say, keep an eye on January sales to see if consumer goods are leaving the stores.

Here in QAC, we were down almost 43% for the total dollar volume for the month of Dec. 2007 compared to Dec. 2006.

We are down 38% in total units sold for the month of Dec. 2007 compared to Dec. 2006. FYI, some 31 homes sold for the month of December in QAC compared to 50 homes in December 2006.

You can see other stats by clicking on the chart twice to enlarge. To see homes that sold for Dec. 2007, click here for details.
Read more information at my personal blog: www.qachousingmarket.com

K. Hovnanian's Four Seasons Gets Fair Day in Court-Judge shames Governor O'Malley

Camille O'Donnell (O'Donnell Properties) — Tue, 18 Dec 2007 22:43:02 -0600

It was a bad day in Queen Anne's County circuit court today, Dec. 18th for the state's Board of Public Works, particularly for Governor Martin O'Malley and Comptroller Peter Franchot as the honorable Judge John W. Sause Jr. laid down the law!

Judge Sause started out saying, that this case is intensely complex as John Zink, attorney for K. Hovnanian challenged the state's board of public works (BPW) claiming, for the first time the BPW refused a wetlands permit beyond the Dept. of the Environment. Zink added, that the law looks out for the people's riparian rights.

Judge Sause stated, "This is unconstitutional and preposterous for the Board of Public Works-the notion that a board may do what they want and is not accountable to anyone is dead wrong and bad law! According to Judge Sause, the BPW blatantly exceeded its authority that was granted by the legislature. They circumvented local planing and zoning departments and several state agencies.

Judge Sause was referring to the BPW (Gov. O'Malley, Comptroller Franchot and Treasurer, Nancy Kopp who voted 2-1) who denied K. Hovnanian, the developer of the Four Seasons project in QAC, Md. a permit to build a small bridge, a community pier and storm water system on May 23rd, 2007.

Treasurer Kopp dissented from the majority because she believed K. Hovnanian had met the letter of the law. The two issues under the purview of the BPW was dredging and filling in the wetlands area of which they addressed neither in their ruling, according to Sause.

Zink continued saying, "The denial is unprecedented on the basis of approval far beyond delegated authority and never before in the history had a Board of Public Works utilized judicial powers. K. Hovnanian have fought this battle nearly a decade to win regulatory approval.

According to Zink, they have gained the approval of the state Critical Area Commission and the Army Corps of Engineers -and have agreed to restore 24 acres back to working wetlands. The project meets all current environmental standards. Both Secretary of the Environment Shari T. Wilson and Secretary of Planning Richard Hall said the development met state guidelines.

Sause sounded off stating, "It's a cruel hoax that a landowner can spend millions of dollars to develop a plan, but in the end you are found to be completely ignored as a matter of law. BPW made it their business and this is bad common sense!" Sause continued, "There is nothing to suggest there's some super powers over all the rest of the agencies and without considering any of the criteria which would be necessary to do so. What is the purpose of zoning? The BPW can only act in boundary by the general assembly."

The lawyers from the attorney general's office argued that the BPW ruled in the best interests of the state, and the BPW has exclusive authority to the project to meet environmental standards.

Judge Sause shot back stating, "Are you telling me that an administrative agency has authority to make legislation? I am not going to sit here and listen to you try and tell me that advancing a regulation somehow becomes a valid regulation and expect me to turn a blind eye to the interpretation of the law."

The lawyers of the attorney general's office reminded the court that it is not solely a wetlands issue and the BPW is the screening legislature to maintain a balance for society and to look out for the detrimental effects to society.

Judge Sause interjected, "Ahhhh, they did not weigh it-they don't tell us why or what isn't aesthetically pleasing over Cox Creek."

The state argued that it's the only agency (BPW) to decide whether the project gets to utilize state wetlands. Judge Sause added, "They have to operate as a government power, not as individuals."

The state argued, "We are not persuaded that it is the best interest of the state." Sause concluded, that the BPW did not address one of the four issues that affect the wetlands.

The state asked if the court would entertain the rights of the BPW and requested to submit a statue of regulations of the BPW. Judge Sause granted their wish and asked that a five page response be submitted by January 15th. Judge Sause will hold up the decision til the end of January 2008.

Clearly, Judge Sause's comments throughout the hearing were based on the facts and merit of the Four Season's project and not intangled in political gamesmanship.

More information.

HOPE NOW a SOS Signal??

Camille O'Donnell (O'Donnell Properties) — Fri, 07 Dec 2007 19:58:44 -0600

I figured you should know the new buzz word for distressed homeowners is HOPE NOW, the White House mortgage plan, but they should also have a sidebar called Another Hopeless SOS Website.

If you went to the website, you would most likely find it to be cumbersome and particularly not helpful. There's alot of resources listed (or so it seems) but only a couple of working links to some press releases.
On top of that problem, the administration if having difficulty finding qualified housing counselors. Apparently, the phones are ringing off the hook and without enough counselors to answer the phones, much less having face to face meetings, thus, the process is becoming a nightmare.
I tried calling but, was put on hold and since I was calling to just to see what would happen if I needed help, I hung up after waiting five minutes. Makes me wonder, should all the real estate agents who have extra time of their hands call the government and apply to become a housing counselor? I read somewhere that the Alliance believes that the best counselors would be real estate agents and lenders. Hmmmmmm. Oh yea, be careful which HOPE NOW website you go to- there's a few other non-profits called Hope Now!

The White House Mortgage plan will provide relief to some 1.2 million homeowners who will be facing ARM resets that are scheduled to start in January 2008 through 2009. To start the process a homeowner needs to call the hotline (1-888-995-HOPE).

Unfortunately, the plan is not a silver bullet but a step in the right direction. A more meaningful plan for homeowners (who aren't eligible for this plan), the million or so that have been hoodwinged by lenders and others who are facing foreclosure would have been great.
The biggest misconception about this plan is that the government is bailing out consumers, although the truth is; I believe a bailout of Wall Street. Hopefully, the need to make predatory lenders responsible is enforced and consumers protected is high up on the radar screen.
Eligible homeowners mostly include minorities with low to moderate incomes according to US Treasurer, Anna Escobedo Cabral. HOPE NOW was designed to help subprime borrowers who can at least afford the current, starter rate on a subprime loan, but will not be able to make the higher payments once the interest rate goes up. HOPE NOW members have agreed on a set of new industry-wide standards to provide systematic relief to these borrowers in one of three ways:

Refinancing an existing loan into a new private mortgage;
Moving them into an FHA Secure loan; or
Freezing their current interest rates for five years.

Members of HOPE NOW include lenders, investors, mortgage providers and other servicers who cover 84% of currently outstanding subprime mortgages. The reason the alliance was formed back in August was due to the high volume of work that would've been required to evaluate the standard loan-by-loan process. Instead, the industry needed a streamlined approach to address this increased volume.

Fear of the Unknown

Camille O'Donnell (O'Donnell Properties) — Fri, 23 Nov 2007 10:59:08 -0600

People sitting on the fence is evident from the east coast to the west coast. The negative publicity about real estate has made the reluctant buyer a nationwide phenomenon.

Although prices around the country have slumped, here in QAC the average (sold) price of $450,202 in October 2007 sold 11.3% less than October 2006 while the median (sold) price of $352,000 in October 2007 sold 5.35% less than October of 2006, albeit at a slower rate. That means that people holding out for bargains here may be disappointed.

People are trying to time the market, with the mindset: "If I buy now, the price could decline in the short run." It seems that a major factor in this housing market is fear.

Fear of the unknown, fear of making a mistake of buying too high, only to find the exact home is dropped another $10,000.
Fear of not buying now, and missing the low interest rate.
Fear of buying today thinking they won't qualify for a mortgage and afraid the builder will lower the price so they may "lose" their down payment because their house is worth less.
Fear felt by the contingency buyer. If their home does not sell, they will surely miss out on some of the best deals in years!

And as far as that goes, many buyers who won't get off the fence will surely miss out on perhaps a chance of a lifetime.

Some builders have raised the bar around here, by offering cars as incentives! That will get somebodys attention, you would think?

The National Association of Home Builders said that until a year ago, customers used to make two visits to sales offices before buying. Now they're making four or more visits.

QAC Sewer Increase Hearing

Camille O'Donnell (O'Donnell Properties) — Sun, 11 Nov 2007 13:43:47 -0600

QAC Sewer Increase Hearing Talking Points for the Sewer Rate Increase
Below are some ideas and talking points to address the County Commissioners prior to the Nov. 12th Monday evening public hearing at Kent Island High school in Stevensville at 7 pm, or if you decide to make public comment at the hearing.

The hearing has been set for the public to address the Queen Anne's County commissioners on why the users are facing a possible sewer rate increase.

1.Where's the $10 million dollars going to come from to pay for the new Kent Narrows, Stevensville, Grasonville wastewater treatment plant (KNSG)? No one knows for sure?

2. How did we arrive at this dilemma? Originally, back in the fall of 2002, the new KNSG sewer plant was going to cost approximately $28 million dollars. It was to be secured by a $10 million dollar grant from the state and approximately $10 million from K. Hovnanian and the balance to be bonded and paid for by new customers. (See History below)

3. What will happen if Four Seasons doesn't go through? If Four Seasons (K. Hovnanian) does not go through, the customers of the sanitary district will have to foot a $10 million dollar bill.

4. How will this affect the homeowners who are hooked up to public sewer in the Stevensville, Chester and Grasonville areas? Homeowners in Stevensville, Chester and Grasonville could be faced with an increase of approximately 28% on their quarterly county user fee bills for years to come. The scenario could play out like this: To pay for the wastewater sewer plant, the commissioners will have to secure a bond and the citizens will have to bear the debt service on the bond. Now, if there isn't enough money generated on Kent Island, Grasonville, and Chester, the worst case scenario would mean the money would come from the general fund and every citizen in QAC will be paying for this service. THIS IS NOT FAIR! Why should you have to pay for a service that you are not using!

5. Why are the commissioners asking homeowners (users) to pay for the new sewer plant construction costs? Typically, an enterprise styled account is paid for by the users (customers) of the sanitary district. But, NEVER in the history of this County have user fees gone to pay for capital costs in regards to the sanitary district.

6.Why did we need a new wastewater treatment plant? The Kent Narrow, Stevensville, Grasonville (KNSG) wastewater treatment plant was desperately needed since the nitrogen had never been treated since the former plant was built in 1981. The new plant will reduce the nitrogen that has been flowing into the Chesapeake Bay, plus ensure viable economic development for future sewer allocations.

7.The new wastewater treatment plant was opened several months ago, it was upgraded from 2 million gallons per day to 3 million gallons per day, because we needed to reduce the nitrogen and we were running out of sewer allocations to offer to residential homes and commercial projects. Keep in mind, the County would run out of sewer allocations if we did not upgrade.

History
How did we get here? Today, the KNSG sewer plant costs the county $32 million.-- FOUR MILLION DOLLARS more than the original bid after eliminating $6 million dollars worth of efficiency upgrades.
Why? The last set of commissioners overlooked and disregarded the original bid/plan in 2002 and appealed the discharge permit to halt the progress. In the meantime, pollution continued to flow into the Bay for 2 years while the last set of commissioners sought out other ways to build the wastewater treatment plant. Including two additional engineering studies costing the taxpayers.

There are two costs associated with the wastewater treatment plant: 1. The Capital improvements--- the construction costs to build the plant. 2. The operational-labor costs of hiring men and women to maintain the plant. Quarterly fees have only been used to pay for operational costs NOT capital costs.

What are the solutions?

Queenstown Home For Sale

Camille O'Donnell (O'Donnell Properties) — Sat, 10 Nov 2007 18:29:50 -0600

Camille B. O'Donnell | ERA Weese Realty | cdove@atlanticbb.net | 443-786-0200

104 Rutledge Road, Queenstown, MD

Country living relax with nature, and peaceful settings in Queenstown--- one level rancher!

4 Bdrm Single Family House

offered at $364,678

Year Built	1977
Sq Footage	2,030
Bedrooms	4
Bathrooms	2 full, 0 partial
Floors	Unspecified
Parking	4
Lot Size	20,212 sqft
HOA/Maint	$0 per month

DESCRIPTION

Relax by the fire on a cold winter's night or slip out to the patio for cool breezes and watch nature at its best! You will luv, luv, luv this home on a cul de sac tree-lined neighborhood! This well-kept one level rancher features three or four bedrooms, two new bathrooms, a contemporary new kitchen with granite countertops, space galore, new cabinetry and appliances. The graceful dining room will charm your family dinners and the backyard can be your own oasis. Mornings here offer a chance to see and hear owls, an array of birds, rabbits, squirrels, deer and opens to a field destined forever. Catch a glimpse of the Wye River on a clear day and pull out your binoculars to see the action.

Major routes and shopping are only minutes away.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
Tile floor	Family room	Living room
Office/Den	Dining room	Dishwasher
Refrigerator	Stove/Oven	Granite countertop
Attic	Washer	Dryer
Laundry area - inside	Balcony, Deck, or Patio	Yard

ADDITIONAL PHOTOS

Seller contact info:

Camille B. O'Donnell

ERA Weese Realty

cdove@atlanticbb.net

443-786-0200

For sale by agent/broker

Equal Opportunity Housing

Posted: Nov 10, 2007, 2:19pm PST