Midlothian, VA March 2022

The Home Issue

R E A L E S TATE

WH AT’ S U P I N TH E H OUSIN G M ARKET? HOME + DESIGN

INTIM ATE, M IN I M ALIST DECO R H O M E S E RV I C E S

RI CH M O N D H O M E SH OW RETU RNS

M A R C H 2 022

We’re

RELENTLESS in helping you find your dream.

@ Home is where you dream, grow and love— where everything seems to be right as rain.

Let @ Home find your next “just right.”

MIDLOTHIAN LUXURY HOME REPORT Address

Neighborhood

List Price

Sold Price

Sold Date

Sq. Ft.

Days on Market

15612 Willowmore Drive

Newmarket At Rountrey

$689,000.00

$720,000.00

January 28, 2022

3,401

2

2312 Mitchells Mill Drive

Hallsley

$604,900.00

$790,018.00

January 26, 2022

3,200

818

4000 Caddington Drive

Tarrington

$825,000.00

$813,000.00

January 24, 2022

3,799

7

13512 Kelham Road

Tarrington

$1,013,580.00

$1,140,839.00

January 24, 2022

4,142

93

14300 Country Walk Court

Woodlake

$775,000.00

$775,000.00

January 19, 2022

4,687

54

3654 Caddington Terrace

Tarrington

$719,000.00

$710,000.00

January 19, 2022

3,286

7

Founder’s Bridge

$945,000.00

$963,670.00

January 14, 2022

4,018

18

13100 Wheatley Court

Tarrington

$555,950.00

$751,392.00

January 14, 2022

2,800

470

5504 W Bay Court

Woodlake

$599,000.00

$700,000.00

January 10, 2022

4,385

3

11701 Spring Creek Drive

Reeds Hill

$825,000.00

$825,000.00

January 7, 2022

4,785

8

Reeds Landing

$899,950.00

$920,000.00

January 5, 2022

6,049

6

1706 Saville Chase Place

Hallsley

$848,500.00

$842,500.00

January 3, 2022

3,124

13

2531 Whitecastle Drive

Rosemont

$950,000.00

$935,000.00

January 3, 2022

5,400

93

14866 Michaux Valley Circle

3824 Dunleith Terrace

This information is published courtesy of the Richmond MLS service.

NAVONA HART Broker/Owner License: VA Lic #0225076822

(434) 390-4004 / navona@ahomewithhart.com 14321 Winter Breeze Dr., Midlothian, VA 23113

Connect with us and discover how we can help you find the perfect home.

LIFESTYLE LETTER

Happy March, Midlothian!

March 2022 PUBLISHER

Aaron Swart | aaron.swart@citylifestyle.com EDITOR

Mary Ellin Arch | maryellin.arch@citylifestyle.com

As we anticipate blustery days and the trees and flowers getting ready to bloom, we naturally think of spring cleaning, yard work, and lawn care — home.

As a kid, I was in charge of several of our orchard beds and absolutely loved digging in the dirt, planting, and manicuring many different flowers and shrubbery that we had around the yard. My favorites were hyacinths, impatiens, snapdragons, and lilac bushes. Believe it or not, I took pride in pulling weeds and making sure I did so “by the roots," as my mother would say! Our loved ones are those who give us roots to grow and wings to fly, and our chosen families help us to feel right at home.

Speaking of home, the 2022 Home Issue guarantees not to disappoint!

From expert advice surrounding the real estate market to decor trends, fix-up ideas, and tax tips, this issue was a delight to put together, and we hope you’ll enjoy it from cover to cover!

Spring is around the corner, and the smell of gardenias, lilies and the blooming dogwoods always remind me of Easter baskets, sunrise church services, and new beginnings. We’re hopeful that each of you and your families are safe, happy, and well.

ACCOUNT MANAGER

Steven Casupanan steven.casupanan@citylifestyle.com STAFF PHOTOGR APHER

Jacqui DePas | jacqui@jacquidepas.com SOCIAL MEDIA COOR DINATOR

JDP | melissa@jacquidepas.com PUBLISHER ASSISTANT

Meghan Butcher | thedirtyblondestylist@gmail.com AD DESIGNER

Matthew Endersbe LAYOUT DESIGNER

Jayme Emery CONTR IBUTING WR ITER

M. Katherine Fisher

Live inspired!

Corporate Team CHIEF EXECUTIVE OFFICER Steven Schowengerdt CHIEF SALES OFFICER Matthew Perry CHIEF FINANCIAL OFFICER DeLand Shore

A A R O N S W A R T, P U B L I S H E R @CIT YLIFEST YLEMIDLOTHIAN

CHIEF OPERATING OFFICER Randy Radosevich DIRECTOR OF SOCIAL MEDIA Mindy Hargesheimer ART DIRECTOR Sara Minor OPERATIONS DIRECTOR Janeane Thompson AD MANAGER Chad Jensen WEB APPLICATIONS Michael O’Connell

Learn how to start your own publication at: citylifestyle.com//franchise

Scan QR code to visit our Instagram CIT YLIFEST YLE.COM/MIDLOTHIAN |

Proverbs 3:5-6 Midlothian Lifestyle™ is published monthly by Lifestyle Publications LLC. It is distributed via the US Postal Service to some of the Midlothian area’s most affluent neighborhoods. Articles and advertisements do not necessarily reflect Lifestyle Publications’ opinions. No portion of this magazine may be reproduced in any form without written consent. Lifestyle Publications does not assume responsibility for statements made by advertisers or editorial contributors.

Information in Midlothian Lifestyle™ is gathered from sources considered to be reliable, but the

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L I F E ST Y LE LE T T E R

accuracy of all information cannot be guaranteed.

T H E

D I L L O N

G R O U P

R E A L

E S T A T E

Who are the agents behind the door?

With roots in Texas, Alabama, South Carolina, and Virginia, we at The Dillon Group pride ourselves in selling houses with a touch of Southern hospitality and making sweet tea with just the right amount of sugar. After our time together we hope you not only see us as your agents of choice, but also as friends you can call to join you when you go shopping or grab a cup of coffee. At The Dillon Group, we're always opening new doors. We invite you to kick your shoes off, come on in, and make yourself at home.

804.505.4274 13823 Village Place Dr. Midlothian, VA 23114 www.clocktowerrealtygroup.com

804.937.8016

MARCH 2022

inside the issue The Home Issue

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32

18

36

F E ATU R E D

D E PA RTM E NTS

18 Pared-Down Perfection

4

Lifestyle Letter

8

City Scene

10

Business Monthly

14

Local Experiences

18

Decor Trends

26

Expert Help

32

Financial Buzz

36

House Call

38

Eat Right

40

Events

46

Home Update

Nicole Rutledge has a passion for intimate, minimalistic design inspired by nature

26 Trends in Real Estate

Midlothian’s top performers offer insights on “what the bleep” is happening in the housing market

32 A Generous Spirit

Mark Baird’s helpful nature benefits clients as he finds ways to save on their taxes

36 Household Pests Don’t Stand a Chance

Justin Kendall embodies Pestmaster’s commitment to “protect people, places and planet”

O N T H E C OV E R

Photography: Harring Construction The living room in a Harring Construction model home, The Durham.

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HO ME + DES I GN

PR O FES S I O NA L S ERV IC E S FI NA NC E + LEGA L SE RV IC E S

HO ME S ERV I C ES

LI FE + C U LT U R E

S HO PPI NG

WANTED It is no secret we are in a major inventory shortage. Buyers are out in droves with nothing to see. If it is time to downsize, or you have outgrown your home, want more land or less, or want to move closer to amenities or further away...WE CAN HELP. We need your house to sell. We are seasoned realtors with over 23 years of combined experience.

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GREER JONES PROPERTIES

14321 Winterbreeze Drive | Midlothian, VA 23113 | www.greerjonesproperties.com (804) 938-7575 (O) | greer@greerjonesproperties.com

MARCH 2022

city scene

Where neighbors can see and be seen in the city.

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1: The Richmond Weddings Show, held in January at Main Street Station. 2: Painting a portrait at the winter Richmond Weddings show.

3: A table setting at the winter show. The Summer Show is set for July 17. 4: Attendees at the winter Richmond Weddings Show, held in January at Main Street Station. 5: Music at the winter weddings show, postponed for 2 years due to Covid. 6: Sampling a sweet treat at the winter weddings show. 7: Having fun at the Richmond Weddings winter show, held in January.

MJ MENDOZA PHOTOGRAPHY

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Tag your social media photos with @citylifestylemidlothian

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C I T Y SC E N E

From outside to

outstanding.

Scan to connect with us!

Transforming homes and expectations.

“

My experience with Paragon was everything I wanted. It makes me happy!

– T. Braun 804-744-8480 | Office@ParagonRVA.com | 12747 Oak Lake Court | Midlothian, VA

MARCH 2022

business monthly A round-up of exciting news from local businesses.

Photography Courtesy Chesterfield County

Chesterfield Acquires Properties Including Upper Magnolia Chesterfield.onpoint, a blog at chesterfield.gov, reported recently the county has finalized purchases of four properties: • Spring Rock Green shopping center, for redevelopment as a mixed-use development (Midlothian Turnpike at Chippenham Parkway) • Southside Speedway, to enhance sports tourism in the Genito Road corridor near River City Sportsplex • Two waterfront properties, to enhance residents’ access to the James and Appomatox rivers • Upper Magnolia, a 2,400-acre property under rezoning consideration to allow for an employment center, public facilities and residential.

Details: chesterfield.gov/CivicAlerts. aspx?AID=2486

If you want to be included, send us a message!

Visit CityLifestyle.com/Midlothian to get in touch.

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B USIN E SS M ON T H LY

WE'VE GOT MORE

In Store

Maple Street Biscuit Co. Coming to Midlothian Maple Street Biscuit Co. plans to open at 2061-A Huguenot Road in Huguenot Village Shopping Center in early spring, the company announced. It will join Maple Street’s first location in Virginia at the Promenade Shops in Short Pump, which was due to open in the winter. Richmond BizSense reported that the two RVA locations will round out the Tennessee-based company’s current plans for expansion in Virginia. maplestreetbiscuits.com

COMING SOON! 50,000 Additional Square Feet

Over 1 Million Square Feet of Flooring Available On-Site Custom Builder/Contractor and Design Centers Realtor Partner Programs

RVA Physical Therapy to be Burger Bach Landlord RVA Physical Therapy has acquired the building at 101 Heaths Way Road in Midlothian currently occupied by Burger Bach. RVA Physical Therapy will open a new office there, supplementing its existing office at 2620-A Gaskins Road, Henrico, while the burger restaurant remains as a tenant in its current footprint. Richmond BizSense reported that RVA Physical Therapy wanted a Midlothian location for the convenience of patients who live in Chesterfield County. rvaphysicaltherapy.com

CONTINUED >

(804) 464-4338 THEFLOORSTORERVA.COM

1281 CARMIA WAY, RICHMOND, VA 23235

B @THEFLOORSTORERVA V THEFLOORSTORERVA MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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MARCH 2022

business monthly A round-up of exciting news from local businesses.

Want to Develop a Podcast but Have No Idea Where to Start? Suffering From a Dying Social Media or YouTube Campaign?

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B USIN E SS M ON T H LY

Chesterfield Chamber Gala Set for March 31 The Chesterfield County Chamber of Commerce is holding its annual "Celebrating Excellence in Business" awards ceremony March 31. The gala will take place from 6-9:30 p.m. at the Perkinson Center for the Arts & Education, 11810 Centre St., Chester.

The event will begin with a red-carpet check-in and include raffles, silent auction, entertainment, and a selection of food and beverages. Member tickets are $99, non-member $129. For details, contact the Chamber at (804) 748-6364. chesterfieldchamber.com

If you want to be included, send us a message!

Visit CityLifestyle.com/Midlothian to get in touch.

New COVID Test Center Available A new Community COVID-19 testing center has opened in Chesterfield County. The Virginia Department of Health Chesterfield Health District has opened a satellite location at the Chesterfield Fairgrounds to provide free PCR testing for COVID-19.

The Chesterfield testing center will be open Monday through Thursday from 9 a.m. to 6 p.m. and will operate by appointment only. The Chesterfield Fairgrounds are located at 10300 Courthouse Road. vdh.virginia.gov/chesterfield

We Protect People, Places and the Planet.

Locally and veteran owned since 2005, Pestmaster® Services of Richmond has been punishing pests and protecting you. When we take your call, we

promise three crucial things: we’ll explain what we do, perform thorough treatments, and be knowledgeable

about your needs. It’s this detailed level of service that has earned us reviews as the one below.

I am so glad I decided to go with this company for my pest control needs. Justin and his team are knowledgeable and thorough. They take their time and explain everything they

New Hours at All Chesterfield Libraries All Chesterfield County libraries are now open longer! New hours at all Chesterfield County Public Libraries are: Monday-Thursday: 9 a.m. to 8 p.m.; FridaySaturday: 9 a.m. to 5 p.m. All libraries are closed on Sunday. The new hours apply to in-person library use and curbside materials pickup. library.chesterfield.gov

do. I will recommend them to everyone I know.

Brenda Jones | Midlothian, VA

Our knowledgeable and responsive staff is ready for you – call us!

Visit our website or give us a call to learn more about our services.

(804) 832-8611 www.richmond.pestmaster.com MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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MARCH 2022

local experiences Locals recommending the best places and things to do in the city.

When the weather gets warm, a homeowner’s thoughts turn to improvement projects. Look no further than our carefully curated list of spectacular spruce-up ideas created just for you. Reported by M. Katherine Fisher.

Home Decor & Design AR WOR KSHOP R ICHMOND: Check out some decor and craft DIY workshops like sign painting, as well to-go DIY kits, at AR Workshop. 9200 Stony Point Parkway, Richmond GR ACIE'S COTTAGE: Refurbish a piece of your furniture at a chalk paint workshop at Gracie's Cottage. 11529 Busy Street, North Chesterfield THE LAZY DAISY COUNTR Y GIFT STOR E: Looking for unique upcycled and restyled furniture and home decor? Go to The Lazy Daisy, with a couple of locations in Midlothian. 13110 Midlothian Turnpike and 4841 Commonwealth Center Parkway, Midlothian THE AR T LOUNGE: Decorate your home with your own masterpiece from a wine and paint party at The Art Lounge. 13473 Midlothian Turnpike, Midlothian THE AR T FACTOR Y & PAR TY PLACE: Create painted glass, wreaths, quilted flowers and more for your home while enjoying conversation and a beverage of your choice at The Art Factory. 4810 Market Square Lane, Midlothian

Scan for more photos and the full list.

Want to recommend a local experience?

Scan the QR code and message us on Instagram.

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LOCA L E X P E R IE N C E S

IN THIS REAL ESTATE MARKET, TALK IS CHEAP.

WITH OVER 20 YEARS OF EXPERIENCE, MELISSA MAKES HOMEOWNERSHIP HAPPEN! WE’RE GIVING BACK! FOR EVERY CLOSING IN 2022, WE’LL BE DONATING $500 TO YOUR FAVORITE CHARITY! CALL US TODAY!

540-761-8432 LINCHPINREALESTATE.COM 206 N 1ST ST, RICHMOND, VA 23219

Your Home. Your Inve stm ent .

Our E x p er tis e.

Katie Zacherle

804.464.4741 | NMLS ID#: 585129

250 Wylderose Commons, Suite 208 Midlothian, VA 23113

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend. Integrity Home Mortgage Corporation is licensed by Virginia State Corporation Commission License #MC-3599, also licensed in MD, and WV. NMLS ID #208516 (www.nmlsconsumeraccess.org)

PA R E D - D O W N PERFECTION

Nicole Rutledge has a passion for intimate, minimalistic design inspired by nature ARTICLE AND PHOTOGRAPHY BY JACQUI DEPAS

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D E C OR T R E N D S | HOM E + DE S I GN

Open concept living room

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4302 Grove Avenue

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D E C OR T R E N D S | HOM E + DE S I GN

Kitchen renovation

Nicole Rutledge is passionate about making spaces that feel personalized and cozy.

Nicole is a Certified Interior Designer with over a decade of commercial and residential design experience. After receiving her BFA in interior design from Virginia Commonwealth University, Nicole started making a name for herself nationally, taking her inspiration from the nature and the organic landscape of the dwelling.

In addition to designing customized, intimate spaces, Nicole strives to keep the look fresh and pared down. She adapts this same mindset when working in retail and public spaces such as building lobbies.

Nicole knew she wanted to be a designer at a young age. She would spend hours moving furniture and other objects around her bedroom - redecorating on the regular. The Sims – a life simulation video game set in a suburban household near a fictional city – captured her imagination, and she played it nonstop, building houses, decorating rooms, and tearing down designs to make them more captivating.

In high school, to get herself ready to apply to the VCU School of the Arts, Nicole took as many arts classes as she could fit into her schedule. Her strategy worked as she was accepted with early admission.

Now hard at work as a professional designer, Nicole lives in a 1926 bungalow in Fulton Hill with dog Rye and cat Pippa. In her spare time she gardens and continually works on renovating her older home, noting, “A home is never done!”

Nicole’s ideal client is anyone who recognizes the importance of the space they live in, and she works with all clients with different design needs. Her services range from online coaching to full 3-D design mockups to space planning and construction documents. For Nicole, it all comes down to her minimalistic design aesthetic and the details - all the way down to finishes, lighting, accessories, and art selections.

Her simple advice to clients and fellow decorators: Surround yourself with only the things that make you the happiest!

-Website: nicolerutledge.com Instagram: @nicolerutledgedesign Pinterest: pinterest.com/nrutledgedesign Houzz: Search for Nicole Rutledge Design, LLC CONTINUED > MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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8000 Stiles Road

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D E C OR T R E N D S | HOM E + DE S I GN

Nicole Rutledge

4302 Grove Avenue

Microblading Studio + Salon

2922 Parkwood Avenue

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A Taste of What’s to Come!

Catch an upcoming show this spring at The Perkinson Center for the Arts & Education’s 20,500 square-foot state-of-the-art performing and visual arts center. Don’t forget to enroll in a class or immerse yourself in local art at the Baxter and Elaine Perkinson Jr. Art Gallery!

Histories and Stories: A Special Province An art exhibit celebrating African American culture presented by BAAAR February 5 - April 2, 2022

CCPL Acoustic Series featuring toe-tapping Irish, Scottish, and American tunes from Fiddlin’ Mike Ferry March 16, 2022

For more information or to purchase tickets, view our event schedule online! perkinsoncenter.org | 804-748-5555 | 11810 Centre Street, Chester, VA 23831

Trends in

Real Estate

Midlothian’s top performers offer expert insights on “what the bleep” is going on in the housing market and mortgage lending 26

EXP E RT H E LP | PR OFESS I ONAL S E RVI CE S

Our panel of experts

It’ll be a sellers’ market through the end of this year, Midlothian Realtors agreed in a panel discussion sponsored by Midlothian Lifestyle magazine a few weeks ago.

The event, featuring five Realtors and one mortgage loan officer, was held at a model home in RounTrey with refreshments provided by magazine partners Ashton Creek Winery and Cameo Cakery & Café. The home was built by Homesmith Construction, with interior design

by Ami Williams of The Yeatman Group Design.

“There are more buyers than there are sellers, and a lack of inventory,” said Kyle Yeatman of The Yeatman Group. “There’s a lot of new construction, but very few ‘standing inventory’ homes out there.” Rhonda Carroll of Clocktower Realty Group added, “Builders stopped building spec homes after the market crashed, and so after 10+ years, it’s finally caught up with us.”

Navona Hart of Century 21 Realty @ Home said people used to buy a home and then trade up in 3 to 5 years, creating a steady churn of available inventory. “Now people stay in their homes for 10 to 15 years or longer,” she said – a trend that contributes to lower inventory.

Several agents said that the current rental market is bringing in more buyers. “Rents keep going up, up to 12%, and many renters are capable of owning,” Navona said. Melissa Oefelein of Linchpin Real Estate Group pointed out a current shortage in rental units as contributing to the large field of buyers, but she was hopeful that inventory would increase in the spring.

“Historically, the spring market starts right after Christmas,” Melissa said. “We did see an increase in inventory early in the year and after the weather breaks, we’ll see more.”

With the market so hot and homes often selling for over asking price, buyers are often concerned about rising real estate prices. “I’ve had this question a lot lately, but I think home prices will stabilize,” said Greer Jones of Greer Jones Properties.

All the agents cautioned buyers about getting too carried away with bidding over the asking price. Both Greer and Melissa said they’ve seen a lot of “back on markets” – homes that once had a pending offer but that returned to the market

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“If you’re preapproved for $325,000, let’s not look at houses at $325,000, because it’s going to go higher.”

-GREER JONES

Kyle Yeatman

Navona Hart

Rhonda Carroll

when something went awry with the closing process. “I’ve seen a lot of buyer’s remorse,” Greer said. “I try to educate my clients that it’s not about winning the bid, it’s about being comfortable with what you’re doing and what you’re getting.”

Other agents agreed; Kyle reminded sellers of an old real estate maxim: “Houses sell best if they’re priced reasonably.”

So if you’re a buyer or seller in this market, what should you do?

Rhonda urged potential sellers to talk to their agent right now. “It’s not always about how great your grass looks or how pretty your flower beds are,” she said.

“A lot of buyers have gotten their tax refunds back and have New Year’s resolutions to buy a home, so that just adds to the demand. You can often get a lot more money for your home in the earlier months of the year, so if you make an extra $20,000, who really cares how great your grass looks in your listing pictures?”

Navona stressed the importance of preparation, which means different things to different people, so an in-depth consultation

with an agent is critical. “Slow down and let us help you get prepared,” Navona said.

Kyle recommended creating a plan, and then a Plan B and a Plan C, to allow for changing market conditions. “People can buy emotionally and they can sell emotionally,” he said. “Get a preapproval and a loan commitment letter before even going out to view homes, as that could put you at an advantage over other unprepared buyers. For sellers, you also have to know where you’ll go once you sell. Homes are selling so quickly, you can’t always count on getting seller rent-back, so prepare a where-next plan.”

Rhonda advised sellers to obtain homeowners’ association materials prior to going on the market. “When the buyer is presented with the packet, there is a three-day window where the buyer has the full right to walk away for any reason,” she said. “If this packet is given within the last couple of weeks of the sale, there is a lot more time, energy, and money invested by everyone involved, but especially by the seller. By that time, sellers have already

found another home, hired movers, packed, possibly even moved completely, so no one wants to start over at that point over something that could have been prevented with proper planning.”

For buyers, “The probability is high that you’re going to be bidding,” Melissa said.

She encourages her clients to prepare for the disappointment of losing a sought-after home, noting it can take 4 to 8 offers to finally win one. Greer also recommended buyers look at homes just under their maximum budget number, to allow for bidding.

“If you’re preapproved for $325,000, let’s not look at houses at $325,000, because it’s going to go higher,” Greer said.

All the panelists advised buyers to select an agent with good relationships with other agents. “Many times it comes down to the relationship between the two agents,” Kyle said. Rhonda agreed that a collaborative spirit among agents can benefit all parties, but especially buyers. “I can’t tell you how many times we’ve won a bidding war even though we didn’t have the highest price, simply because the agent on

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EXP E RT H E LP | PR OFESS I ONAL S E RVI CE S

“We’re tracking around 4.5% by summer, maybe near 5% by the end of the year.”

-KATIE ZACHERLE

Greer Jones

Melissa Oefelein

Katie Zacherle

the other side knows we are professional and that we will get the deal across the finish line,” Rhonda said. “Working with an agent who has that credibility is crucial in this type of market.”

The sixth panelist, mortgage adviser Katie Zacherle, supplemented the Realtors’ comments with insights into the home lending landscape. The big question, of course: Will interest rates go up?

“I think it’s anyone’s guess,” Katie said.

“We’re tracking around 4.5% by summer, maybe near 5% by the end of the year.” She urged home buyers to be skeptical about ads touting mortgage interest rates as low as 1.9%.

While it is a sellers’ market, it’s still a good time to buy, she added. “You don’t necessarily have to put 20% down; that’s part of the beauty of loans right now,” she said. “There are zero percent down options. Three percent is common right now, as well as 3.5 percent. Ten percent is a strong option that could allow you to remove mortgage insurance from your monthly outlay and reduce your mortgage payment.” She cautioned that “zero

percent down” doesn’t mean nothing out of pocket – there are always closing costs in addition to a down payment to consider.

Katie also said that potential buyers shouldn’t underestimate their ability to win mortgage approval. “I never want to scare anyone away from trying to buy a home,” she said. “Don’t let a 640 credit score keep you from buying – you can own instead of rent. What’s important is your strategy.

There are many ways we can structure a loan to get a payment you can afford.”

Potential buyers should focus on building savings. “Sometimes the difference between getting an approval and not is having some assets,” she said. “Keep your credit card balances under 50 percent of what’s available to you. Pay credit cards down. That will set you up for success. Ask yourself: Are you someone you’d want to lend money to?”

A consultation with a local lender is key. Local lenders (as opposed to internet mortgage companies) know the local market and can be available on weekends, when bids on homes are usually made. “Talk to a lender and find out in advance what you can

do. It’s not black and white – there’s a lot of gray in mortgage lending,” she said.

Finally, Katie addressed the growing trend of buyers offering over the asking price, and what happens if that larger offer is more than the home’s appraised value.

“That is the scariest thing in the whole mortgage process,” she said, citing as an example one client who offered $40,000 over asking, and the appraisal came in at list price. “They didn’t get the extra from the sale of their house, and they had to come up with all $40,000,” she said.

“If we understand what your goal is and how long you want to stay in the house, we can advise you better,” she concluded. “Sit down with a loan officer and talk about options. Have a Plan A, B, and C. Know what you’re getting into.”

To contact our expert panelists: clocktowerrealtygroup.com greerjonesproperties.com linchpinrealestate.com reallivingcornerstone.com theyeatmangroup.com katie5000.com MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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A Generous Spirit ARTICLE BY MARY ELLIN ARCH | PHOTOGRAPHY BY CAROLINE MARTIN PHOTOGRAPHY

Mark Baird’s drive to help benefits his clients as he finds ways they can save on their taxes Mark Baird with Rotarians from the Mechanicsville club

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F IN A N CIA L BU Z Z | FIN ANCE + LE GAL S E RVI CE S

Mark Baird © Caroline Martin Photography

“In the Spring a young man's fancy lightly turns to thoughts of love.” - Alfred Lord Tennyson Everyone else’s turns to taxes.

And when that happens, Mark A. Baird of GRS Accounting Solutions is ready to help.

Mark is an accountant, but with an intense focus on delivering personal service and forging an individual relationship with each client.

“It’s not one-size-fits-all, not at all,” says Mark. “I’m always looking to how I can help each client.”

This means that especially for small business owners and 1099 contract workers, Mark starts each new interaction with a conversation about the client and his or her life. In addition to building a relationship and rapport, he’s also looking for clues to ways to reduce the client’s tax burden.

“Maybe they work from home, and some home expenses may be tax deductible,” he says. “Maybe they’re a 1099 delivery driver, so mileage may be deductible. I’m always looking to go the extra mile for that person to make sure they’re not overpaying their taxes.”

Mark’s clients benefit from his dedication to research. He has looked into tax regulations, tax changes, loopholes, and little-known ways to save a client’s money. For a client who regularly gets a big annual refund but admits living paycheck to paycheck, Mark will advise how to change withholdings to get the refund money spread out over the year.

Mark learned a lot in previous jobs, especially one in California, where he found bookkeeping in disarray and soon discovered tax and labor issues. After working there for about three years and putting everything in order, he knew he had enough experience to launch GRS Accounting

Solutions, nearly 20 years ago. Now he offers a range of services including: • Bookkeeping: Taxes, payroll, quarterly tax filings, and general bookkeeping.

• Taxes: Preparation of a variety of returns including individual, corporate, partnership, trust, estate tax, exempt organizations, and payroll; also preparing business license and personal property taxes, and assistance in responding to federal and state tax notices.

• Consulting: Researching client questions and circumstances, as well as changes in tax law and how it applies to clients’ personal or business returns.

His helpful nature extends to his community also.

Mark, a former foster parent and father of eight (two biological, six adopted), has a soft spot for charities involving children. He’s involved with Cobb Imprint, which works with at-risk and impoverished youth; Mechanicsville Rotary Club, which supports many community projects including children’s causes and Hanover Safe Place, a nonprofit working confidentially with people experiencing domestic or sexual violence; and Synapse, a networking group that connects businesses with nonprofits for mutual benefits. His Synapse group currently is working with Better2gether, a nonprofit that helps families of children with uncommon health disorders find vital resources and assistance.

Oh, and he’s raising his 8-year-old grandson, Adrian.

“I like working with kids,” he says. “I want to be the person who helps out.” grsaccountingsolutions.com | 804-387-5649

MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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HOUSEHOLD PESTS D O N ’ T S TA N D A C H A N C E ARTICLE BY MARY ELLIN ARCH PHOTOGRAPHY BY JACQUI DEPAS

Justin Kendall embodies Pestmaster’s commitment to “protect people, places and planet”

Justin Kendall has lived in nearly half of the 50 states - while working with pest control companies, serving in the military as an Army Intelligence Specialist, and doing church mission work.

Now the nomad existence for this Las Vegas native has ended as he’s put down roots in RVA and taken up ownership of the Pestmaster Services franchise serving Greater Richmond.

“I wanted to feel good about the service I offered,” said Justin. “I ultimately found the Pestmaster brand, whose values aligned with mine. When I heard this territory was still available, I set up shop.”

Justin got started in pest control working for a family friend in Las Vegas, doing sales. From there he moved often, either opening up pest control branches or, due to military orders while serving in the Army, living on bases.

The states he's called home include Arizona (where he met his wife), Illinois (where they married), Missouri, California, Texas, Georgia, and Ohio; he also spent a few years doing mission work in Mississippi, Arkansas and Louisiana.

Although Pestmaster Services was founded in 1979, Justin has locally owned and operated the Central Virginia location since the summer of 2018. During this time Justin has held contracts to service major customers such as the U.S. Coast Guard Base Portsmouth, the National Park Service historic homes in Yorktown and Jamestown, and the Hunter Holmes-McGuire Veterans Medical Center in Richmond, where he receives his own health care.

“I was protecting my country,” Justin says. “Now I’m protecting homes and the people who live in them here in my own community.”

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H OU SE CA LL | HOM E SERVI CE S

Interestingly, Justin discovered after 13 years in the business that he was allergic to stinging insects and has had to stop field work. Now he's even more passionate about protecting our community from public health concerns such as stinging insects and the diseases carried by mosquitoes and ticks.

“Just as important as the products and protocols we use in your home,” Justin says, ”is who we let in your home.” All Pestmaster employees undergo background checks, drug tests, and a review of their driving records, which helps ensure reputable field staff for customers’ peace of mind and fits the company’s goal of “protecting people, places and planet.”

The company serves residential and commercial customers as well as government facilities. Common protection plans include quarterly general pest control, Sentricon termite baiting, and seasonal tick and mosquito yard treatments. Specialty services include bedbugs and pantry pests.

Justin has so much experience and training that he’s become an Associate Certified Entomologist, which requires working in the industry for five years and passing a difficult test of knowledge. Pestmaster also employs a Ph.D. and board-certified entomologist, who oversees the franchises’ use of pest control materials.

When he’s not working, Justin and his wife enjoy spending time with their six children, being involved in their church, and volunteering for local nonprofits.

“We prayed for a new direction,” Justin says. “It brought us here.” richmond.pestmaster.com | 804-531-4940

MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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Photography Kensey Taylor

Daphne Oz: Beautiful Evenings at Home Emmy-winning TV Host & NY Times Bestselling Author Shares her Dinner Hosting Favorites

New York Times bestselling author Daphne Oz talks about her newest book, “Eat Your Heart Out: All-Fun, No-Fuss Food to Celebrate Eating Clean,” which launches in April.

CL: SHARE WITH US YOUR BACKGROUND AND WHERE YOU ARE TODAY. DO: I was born in Philly, raised in New Jersey, and now my husband and our four kids and I live in Florida. I spend a few days each week working in NYC taping our new syndicated talk show, The Good Dish, covering everything delicious in daytime.

CL: WHAT INSPIRED YOUR NEWEST COOKBOOK? DO: In “Eat Your Heart Out: All-Fun, No-Fuss

Food To Celebrate Eating Clean” I share the techniques I’ve used to get my mind, energy and body back on track after each pregnancy or anytime I’ve needed to reboot good habits.

It is a collection of 150 recipes free from gluten and refined sugar that have consistently helped me lose weight without ever disappointing my demanding taste buds.

For foolproof recipes and entertaining tips for your next dinner party, scan the QR code below.

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EAT R IGH T | L IFE + CU LTURE

For foolproof recipes and entertaining tips for your next dinner party, scan the QR code.

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MAR CH 2 0 2 2 | C I TYL I FE STYL E . C OM/M I D LOT HI A N

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MARCH 2022

events A curated selection of the most intriguing upcoming events in the city.

A L L M ON T H

Tsherin Sheroa: Spirits

VIRG IN IA MUS EUM OF FIN E ARTS Explore the captivating and sublime paintings and sculpture of Nepalese-born Tibetan-American contemporary artist Tsherin Sherpa. VMFA presents the global artist’s first solo museum exhibition as a focused retrospective. In this thought-provoking, participatory art experience, the works on view form a narrative arc of both autobiography and social commentary, addressing loss, struggle, and re-empowerment.. Times vary. vmfa.museum

E V E RY SAT U RDAY IN M A RC H

M A RC H 1 ST

Women’s History Month Guided Tours

JOHN MARS HALL HOUS E | 12: 0 0 P M Each Saturday in March at noon, join the John Marshall House for a special Women’s History Month guided focus tour adapted from our popular virtual tour, “Don’t Forget the Ladies: The Women in John Marshall’s Life.”

Spaces are limited, so online advanced purchase is recommended. preservationvirginia.org/upcoming-events

Film: “Sustainable”

MAYMON T R OBIN S N ATURE C E NT E R | 6 :30 P M Do you know the back story behind the food on your table? Join Maymont for a virtual screening of “Sustainable,” a documentary that investigates the economic and environmental instability of America’s food system.

The film profiles Marty Travis, a seventh-generation farmer. After the screening, stay for a panel discussion and Q&A. Free. Registration required. Till 8:30 p.m. maymont.org

M A RC H 1 ST

John Covert and American Dada

VIRG IN IA MUS EUM OF FIN E ARTS | 1 1 :0 0 A M As painter, photographer, and arts administrator, John Covert (1882–1960) made significant contributions to the development of American modernism. He was particularly active in the short-lived New York Dada movement of the late 1910s. This exhibition, John Covert: Dada Photographer, contains works from these years and shows the development of themes across media. 30 minutes, in-person or virtual options. vmfa.museum

M A RC H 2 N D

Couples Cooking: Irish Style

PUBLIX APRON S COOKIN G S C H O O L AT NUC KO L S P L AC E | 6 :0 0 P M Bring your partner and learn to make some delicious Irish delights. This is a hands-on class. Master new skills as you work together, side by side, with our chefs to create an amazing meal. Priced per couple. apronscookingschool.publix.com

M A RC H 5T H- 6T H

Introduction to Camping - “Mommy and Me”

DUTCH GAP CON S ERVATION A R E A An overnight camping trip in the Dutch Gap Conservation Area intended for mothers with children ages 7-12.

You'll discover the ins-and-outs of tent camping at this primitive wooded camping spot and enjoy a day hike Saturday afternoon. Fee includes guide, meals, and all camping gear except sleeping bags. 2 p.m. March 5 through 10 a.m. March 6. chesterfield.gov/1017/Outdoor-Adventure-Programs CONTINUED >

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MARCH 2022

events A curated selection of the most intriguing upcoming events in the city.

M A RC H 1 7 T H

Acoustic Concert Series: Mike Ferry

PER KIN S ON CEN TER FOR THE A RTS & E DUCAT I O N | 7 :30 P M Mike Ferry is an internationally-known fiddler, songwriter, author, and teacher who lives here in RVA. He has performed both as a solo artist and as a member of classical, pop rock, alt-country, Irish traditional, and liturgical ensembles. Free. All ages. chesterfield.evanced.info M A RC H 1 8T H- 2 0 T H

M A RC H 2 4 T H

GalaxyCon

T HE G R EATER RICHMON D CON V E NT I O N C E NT E R GalaxyCon Richmond is more than a comic-con! It's a three-day "festival of fandom" with celebrities, creators, voice actors, cosplayers, comic books, anime, entertainers, fan groups, gamers, panelists, wrestlers - people like you! Enjoy more than 300 hours of events including Q&As, photo ops, live cosplay wrestling, costume contests, fan panels, workshops, speed friending, and so much more. Times vary. galaxycon.com/pages/richmond

Melissa Aldana Quartet

MODLIN CEN TER, CAMP CON C E RT H A L L | 7 :30 P M The first female and the first South American musician to win the Thelonious Monk International Jazz Saxophone Competition, Chilean saxophonist Melissa Aldana intended for the alto to be her axe, but an encounter with the music of the legendary Sonny Rollins led to a switch to tenor. Since then, she’s been crafting a legend of her own.modlin.richmond.edu/events M A RC H 2 4 T H

Virginia Governor’s Cup Celebration

MAIN STR EET STATION | 5:00 P M For the first time, the 2022 Virginia Governor’s Cup® Celebration will be open to the public. This one-of-akind event offers a unique chance to taste 50+ top Virginia wines produced across the Commonwealth and witness the unveiling of this year’s Governor’s Cup® Case, Cup & Best in Show Cider winners. Auction proceeds benefit cancer research. virginiawine.org CONTINUED >

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MARCH 2022

events A curated selection of the most intriguing upcoming events in the city.

MAR CH 26TH

River City Spring Craft Beer Festival

STO NY P O I NT FAS H I O N PA RK | 1 1 :0 0 A M Come on out for an amazing day with unlimited sampling from local breweries, live music, food, wineries, distilleries and more! Come early and stay late to enjoy all the day has to offer. Till 5 p.m. eventbrite.com

MAR CH 26 -27

Church Hill Irish Festival

HISTORIC CHURCH HILL | 10:00 AM Traditional Irish musicians, bagpipers and dancers will perform throughout the weekend. In addition to great entertainment, there will be plenty of family fun, including children’s games, face painting and Irishthemed crafts. More than 30 Irish vendors will be in attendance! Food and refreshments will also be available. Till 10 p.m. rvairish.com

We are cake all day & so much more..

Home of the original “Savory Cake,” come experience Cameo Cakery & Cafe, right in the heart of The Shops at Libbie and Grove, Westhampton.

Relax outside in the inviting atmosphere of our hand-laid red brick patio, come inside and lounge around the soft and sophisticated indoor cafe tables, or sit and savor the luxurious Italian-inspired marble counter top bar.

MAR CH 26 -27

Self-Care Weekend Getaway

R I C H MO ND MA R R I OT T S H O RT P UMP Come unwind with a massage, paint night, food, and more. You will leave relaxed, rejuvenated, and refreshed.

Noon Saturday to 2 p.m. Sunday. 21 and older. Woman's Self Care Weekend Getaway Short Pump Edition at eventbrite.com

Premium Cakes | Savory Delectables | Coffee Bar Wine, Beer & Spirits | Private Events | Live Music | Art

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Spring Fix-Up

f o r Yo u r H o u s e

ARTICLE BY MARY ELLIN ARCH PHOTOGRAPHY BY SHUTTERSTOCK

If you own a home, you won’t want to miss the Richmond Home + Garden Show March 4-6 Richmond Raceway Complex is the place to be in March as the Richmond Home + Garden Show returns March 4-6.

This year, in addition to 200+ indoor and outdoor living exhibitors, Pottery Barn will have an “Ask a Designer” exhibit where homeowners can get free personalized consultations and home styling tips. As of presstime, Schultz Lawnscapes had been announced as one of several creative landscape design displays.

Other themes at this year’s show include a focus on solar power and energy efficiency within the home, heating/cooling systems, and how homeowners can get their next home improvement project started.

Don’t miss it – come spend the day!

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H OM E U P DAT E | SHOPPI NG

SHOW DATES + HOURS: Friday, March 4, 11 a.m.-8 p.m.

Saturday, March 5, 10 a.m.-8 p.m.

Sunday, March 6, 10 a.m.- 5 p.m.

TICKETS: Adult: $9 at the door, $7 if purchased online.

Senior (60+): Free on Friday, March 4, only.

Must show valid ID at the box office.

Child: Age 12 & under free.

LOCATION: Richmond Raceway Complex, 600 E Laburnum Ave, Richmond, VA 23222.

Parking is free.

WEBSITE: richmondhomeandgarden.com

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