Real Estate
THE COASTAL REAL ESTATE RESOURCE Coastal Association of Realtors/OC Today-Dispatch
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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Real Estate
INDEX OF ADVERTISERS
THE COASTAL REAL ESTATE RESOURCE Coastal Association of Realtors - OC Today-Dispatch
Published by OC Today-Dispatch for the Coastal Association of Realtors. Advertising in this publication is limited to members and affiliated members of the Association. The COASTAL ASSOCIATION OF REALTORS® (CAR) is a trade organization for real estate professionals in Wicomico, Worcester and Somerset Counties on the Eastern Shore of Maryland. Its membership consists of more than 1,000 REALTORs® and affiliate members serving the home-buying and homeselling needs of the public since 1957. The term REALTOR® is a registered collective membership mark, which may be used only by real estate professionals who are members of the NATIONAL ASSOCIATION OF REALTORS® and subscribe to its strict Code of Ethics. The COASTAL ASSOCIATION OF REALTORS is located at 314 Franklin Avenue, Suite 106 • Berlin, MD 21811. Phone: 410-641-4409. On the Web: www.coastalrealtor.org OC TODAY-DISPATCH is the leading newspaper publisher on the Maryland coast, with OC Today-Dispatch publishing weekly on Friday, Bayside Gazette and Ocean City Digest publishing on Thursdays and Real Estate, the Coastal Real Estate Resource publishing key weekends throughout the year. On the Web: www.octodaydispatch.com
Editor ......................................................................... Stewart Dobson Executive Editor ................................................................ Steve Green Account Managers....................... Renée Kelly, Mary Cooper, Terri French Classifieds/Legals ........................................................ Pamela Green Art Director....................................................................... Cole Gibson Senior Page Designer ....................................................... Susan Parks Senior Ad Designer ............................................................ Kelly Brown Publisher..................................................................... Christine Brown Administrative Assistant ........................................................ Gini Tufts
410-723-6397 WWW.OCTODAYDISPATCH.COM
7700 Coastal Hwy., Ocean City, MD
Coastal Area Specialist
410-524-7700 Accredited Buyer’s Agent
SEPTEMBER 2026
Nanette Pavier/Holiday Real Estate, Inc ................................Page 2 Jamie Caine/Coldwell Banker Realty ......................................Page 3 Buckley Property Services, LLC...............................................Page 4 CMG Home Loans....................................................................Page 4 Kevin Heselbach/Engel & Volkers Real Estate .......................Page 5 Reserve Studies of Delmarva ...................................................Page 6 Steve Green/Coastal Life Realty ..............................................Page 6 First Shore Federal...................................................................Page 7 Terri Moran/Coldwell Banker Realty ......................................Page 7 Berkshire Hathaway Home Services PenFed Realty...............Page 8 Berkshire Hathaway Home Services PenFed Realty...............Page 9 Wertz Construction & Inspections.........................................Page 10 The Mortgage Link .................................................................Page 10 Hileman Real Estate, Inc ........................................................Page 11 Rob & Anne-Marie Bouse/ReMax/Advantage Realty ...........Page 12 Tim Meadowcroft/Long & Foster Real Estate, Inc................Page 13 Long & Foster Real Estate, Inc., Sales & Vacation Rentals ...Page 13 MD Department of Housing & Community Development ....Page 15 Maryland Title Service ...........................................................Page 16
Nanette Pavier
Your Delmarva Resort Specialist Licensed in Maryland & Delaware
Cell: 443-235-3498
www.OceanCityMDCondos4Sale.com
NAR Designated Pricing Strategy Advisor
Heron Harbour Sales Center 120th St Open Friday-Monday 11-4 2 Outdoor Pools, Indoor Pool, Fitness Center, Tennis Courts, Sauna and Club House 220 N Heron Dr Unit #1 & Boat Slip 3 Bed 2.5 Bath End Unit Sanctuary Townhouse
SOLD
Beautiful 3-bedroom Sanctuary end unit townhome with stunning panoramic bay views & steps to your boat slip. One of a kind, unique open floor plan townhome accented with coastal décor, decorative lighting, extensive custom woodwork, engineered flooring, gas fireplace & upgraded well-appointed kitchen. Multiple decks to enjoy sunsets & summer fireworks. Best of Heron Harbour. MDWO2039254
203 S Heron Dr #202A Baywatch III 2 Bed 2 Bath & Boat Slip 41
Best of Resort living in this lovely waterfront 2 bed 2 bath Condo with boat slip #41 in front of the unit. Spacious open floor plan with waterfront master bedroom. Ready to enjoy with new luxury engineered wood flooring, freshly painted, new stainless-steel appliances, new slider doors & windows. Relaxing water & bay views from the large sunny deck. MDWO2037054
28008 King Farms Rd Laurel DE 4 Bed 2.5 Bath 2,500 Sq Ft & 2 Car Garage
6 87th St Unit 305 Surf Haven 1 Bed 1 Bath
Charming 4-bedroom coastal home with 2 car garage on beautiful lot with large, fenced yard in a peaceful relaxing setting in the community of King Farms. Wonderful 1st level layout featuring a open floor plan kitchen & family room with gas fireplace, formal dining room and den. Great scenic location between Routes 13 & 113 with easy drive to Laurel, Salisbury, Georgetown, Millsboro & Selbyville. Affordable $400 annual HOA fees. DESU 2108840
Charming ocean view 1 bedroom 1 bath condo ideally located in mid-town on 87th St close to great restaurants and shopping. Relax on your deck watching the waves and listening to the ocean. Only a few steps to the beach. Furnished and ready to enjoy for the summer. Exterior refinished & painted in 2026 and unit 305 has new slider door and window. Just park your car for the weekend to enjoy life at the beach. MDWO2038432
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
JAMIE CAINE
Associate Broker
410-726-0725 | JamieCOCMD@gmail.com
12207 D Coastal Highway Ocean City, MD 21842 410-524-1203
Search All Active Listings At: www.jamiecaine.com
Licensed in Maryland & Delaware 6301 ATLANTIC AVENUE UNIT 403 CARLY E OCEAN CITY 2-story luxury ABLY V E I L E B D UN PRICE Oceanside 2,300+ SF townhome recently renovated 2026! New carpeting, paint & elegant Italian Calacatta quartz kitchen countertops. 3 BRs & 3 full BAs. Wrap-around water view balconies. Modern kitchen flows to living area, hardwood cathedral ceilings & fireplace. Secure lobby, indoor pool & smarthome app-controlled fans & lights. Close to dining, bars & shopping.
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8663 BAT CREEK LOOP LANE UNIT 1 WEST OCEAN CITY
T UNI E ENDNHOM TOW
NOW $899,999
Beautiful spacious LIKE NEW townhome STILL under builder’s warranty!!!!! End unit 4 BR, 3.5 BA with additional den/Office space & 2-car garage. Community amenities include exercise facility, indoor & outdoor pools, kayak pier & crabbing pier! Minutes to Ocean City's beaches, dining, shopping, entertainment & short drive to Assateague Island. Property combines convenience, recreation & seaside charm. Perfect primary residence, vacation home, or investment. Simply the best of Eastern Shore living. NOW $449,900
112 WILLOW OAK AVE. UNIT G BEAR TRAP DUNES OCEAN VIEW, DELAWARE CE! PRI W NE
702 BRADLEY RD UNIT 1002 CINNAMON BAY OCEAN CITY S! Beautifully VIEW R E T maintained 3 BR, A W
• 2 BR, 2 BA home in desirable community. • Well-maintained unit with open floor plan. • Gas fireplace & spacious kitchen with maple cabinets & ceramic tile flooring. • Oversized screened porch. • Amenities include community pool & beach shuttle to nearby DE beaches. • Comfort, style & resort-style living - just minutes from the coast! NOW $325,000
3.5 BA townhome just off 94th Street in North Ocean City. Enjoy water views from the spacious balconies & decks, perfect for relaxing with your morning coffee or unwinding after a day at the beach. Inside, you'll find a cozy fireplace & a home that has been exceptionally well cared for. Just minutes to the beach, shopping, restaurants, bars & the grocery store. The ideal combination of comfort, convenience & coastal living. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this townhome is one you won't want to miss! $584,900
10900 COASTAL HWY #1302 GOLDEN SANDS NORTH OCEAN CITY ED DUC E R RICE
13487 BELLA VISTA LANE UNIT 9 PORTOFINO NW OCEAN CITY E HOMOL N W TO TH PO WI
Direct Oceanfront 2-BR, 2-BA condo in very clean, good condition. Resort-style amenities: indoor pool, outdoor pool, fully equipped exercise room, meeting room, tennis court & volleyball court. Close to popular restaurants, bars & shopping. Excellent choice for vacation home, rental investment, or year-round residence.
• Charming water-access community off Route 54. • Approx 1 mile to Ocean City & Fenwick Island beaches. • Beautifully maintained 3 BR, 2.5 BA coastal townhome. • Open main level living area with fireplace, flows to dining space & kitchen. • Upstairs-3 BRs including primary suite, 2 full BAs & laundry area • Sunroom & private patio offer $509,900 additional living space.
P
NOW $529,900
13500 COASTAL HWY UNIT 202 THE WAVE NORTH OCEAN CITY K BLOC N A E
OC
• Spacious 3 BR, 2 BA condo in solid masonry building • Indoor community pool & just moments to OC’s beaches. • Close to dining, shopping & entertainment. • Perfect primary residence, vacation getaway or investment opportunity. • Easy condo living, great amenities & space for family & guests. • Make lasting memories at the beach – from the comfort of your new coastal retreat!
NOW $509,900
The property information herein is derived from various sources that may include, but not limited to, county records and the Multiple Listing Service and it may include approximations. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. Real estate agents affiliated with Coldwell Banker Realty are independent contractor agents and are not employees of the Company. ©2026 Coldwell Banker Realty LLC. All Rights Reserved. Coldwell Banker Realty LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker, the Coldwell Banker logo, Coldwell Banker Previews International and the Previews logo are registered service marks owned by Coldwell Banker Realty LLC. 07/15
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH
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BUCKLEY PROPERTY SERVICES LLC. RESIDENTIAL & COMMERCIAL APPRAISALS
HAPPY LABOR DAY, AMERICA!
103 120th Street, Suite B Ocean City, MD 21842
BUCKLEY PROPERTY SERVICES, LLC. A Real Estate Appraisal Company
Refinancing, Negotiating a Contract or Financing Your Mortgage? We Can Help with All Your Appraisal Needs • Full-Service Commercial & Residential Real Estate Appraisal Company • Insurable Value, Appraisals & Estate Appraisals • Certi!ed & Licensed Appraisal Process Team from Start to Finish • Family-Owned & Operated • Serving Ocean City, the Surrounding Areas & Sussex County, Delaware
Pam Greer Buckley Owner and Chief Appraiser
Certi"ed General Appraiser-MD & DE HUD Approved for FHA-MD & DE
Phone: 410-524-7123 Fax: 410-524-7124
of&ce@buckleypropertyservices.com www.BuckleyPropertyServices.com
SEPTEMBER 2026
CAR Honors Jamie Caine for 40 years in local real estate The Coastal Association of REALTORS® is proud to recognize James “Jamie” B. Caine, Jr. for achieving REALTOR® Emeritus Status, an honor recognizing his 40 years of continuous membership with the association and his longstanding contributions to the coastal Jamie Caine, Jr. real estate industry. Jamie has been selling real estate in Ocean City, Maryland, and the Delaware beaches since 1983. His connection to the local real estate industry began much earlier, growing up watching his father, Jim Caine, help transform North Ocean City from open sandy beaches into thriving residential communities. The Caine family’s impact remains visible throughout North Ocean City in communities including Caine Woods, Montego Bay, Caine Harbor Mile, Caine Keys I in the 94th Street area, and Caine Keys II in the 106th Street area and beyond. Throughout his career, Jamie has carried forward his family’s legacy while building a distinguished record of service to his clients and the coastal real estate community. His original membership records document his
Happy Labor Day America!
early involvement with the Greater Ocean City Board of REALTORS® and his longstanding commitment to the REALTOR® profession. Under the Coastal Association of REALTORS® Policies and Procedures, members who have maintained 40 years of continuous membership with the association qualify for Emeritus Status, and their annual local dues are waived. Jamie has now achieved that milestone, earning this well-deserved recognition. “Jamie represents an important part of the history and legacy of real estate in the Ocean City area,” said Bernie Flax, CEO of the Coastal Association of REALTORS®. “His career spans more than four decades, and his family’s contributions to the development of North Ocean City are woven into the communities we know today. We are proud to recognize Jamie for his dedication, professionalism, and many years of service to our industry and community.” The Coastal Association of REALTORS® congratulates Jamie on achieving REALTOR® Emeritus Status and thanks him for his many years of commitment to the REALTOR® profession and the communities he has served.
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH
SEPTEMBER 2026
Different financing options to suit your home renovation
A RESERVE SPECIALIST TO ASSIST YOUR COMMUNITY IN PLANNING FOR THE FUTURE
Provide a Comprehensive Report Detailing Reserve Funding Recommendations to Help Your Condominium, Homeowners Association and/or Marina Make Informed Decisions & Obtain Financial Insights To Protect Your Valuable Assets.
Reserve Studies of Delmarva is led by Eugene Jubber, a certified Reserve Specialist through CAI (Community Association Institute) with a PCAM Designation (Professional Community Association Manager). His goal is to reduce unnecessary and/or unforeseen special assessments.
Homeowners want to make their properties their own, and that may involve a lengthy list of renovations to improve both the inside and outside of the property. When it comes to funding these renovations, homeowners have different options. The right choice may come down to how much equity a person has in their home and how one prefers to receive and pay back the money. • Home equity line of credit (HELOC): A HELOC uses a home's equity as collateral and functions like a credit card, says NerdWallet. Borrowers are approved for a maximum credit limit and can get money during a "draw" period and only pay interest on what they use during that period. The draw period is usually 10 years. This makes it a viable option for ongoing renovations. It's important to note that although a HELOC is highly flexible and a person only pays for what they use, these loans can feature variable interest rates. • Cash-out refinance: When current market interest rates are lower than the rate on a person's existing mortgage, a cash-out refinance can free up money for high-cost renovations. Essentially, a borrower replaces their current mortgage with a new, larger mortgage and takes the difference between the two loans in cash at closing to fund the renovations. Since the loan is usually locked in with a fixed rate, the monthly payment remains
the same, says Chase Bank. • Home improvement loan: People who have smaller projects or no home equity can work with a bank to get an unsecured loan that will provide a lump sum. These loans do not require a home as collateral, but will be based on credit score and other factors, and typically carry higher interest rates. U.S. Bank says funding can happen quite quickly, instead of waiting for a refinancing situation that requires a new closing. • Credit cards: Some people may choose to finance renovations on a credit card. This is best for minor, do-it-yourself projects that can be paid off quickly and on cards with an introductory zero percent APR offer. This means the borrowing is free if paid off on time. Borrowers who use cards with higher interest rates (often 20%) should pay off the balance or face steep interest charges. • Government-backed loans: Borrowers may want to investigate loans that are backed by the government. These are issued for safety upgrades or when buying a fixer upper to revitalize a neighborhood. The Federal Housing Administration offers an FHA 203(k) loan to borrowers with lower credit scores. Fannie Mae HomeStyle Renovation Loan is an alternative to the FHA loan that allows for more luxury upgrades but requires a higher credit score.
Steve Green Realtor®
410 430 6799 stevegreen@coastallifeoc.com website: stevegreen.coastallife.com
In his 25-plus years' experience, Eugene knows what is important for his clients. Contact Eugene to discuss the Level of Reserve Study that is most appropriate for the goals of your community.
START YOUR COMPLETE, COMPREHENSIVE ANALYSIS TODAY!
EUGENE JUBBER RESERVEDMV@GMAIL.COM VISIT US AT WWW.RESERVEDMV.COM 410.390.2251
LOOKInG TO BUY OR SELL AT THE BEACH? I will work with you every step of the way sharing my expertise about buying and selling real estate on the shore….just as I helped Anthony and Alison. "Working with Steve was a pleasure. His deep market knowledge, sharp negotiation skills, and data-driven approach helped us through the procession from listing to settlement. Thanks to his guidance, I was able to meet mytarget return on investment with a smooth, hassle-free transaction. Steve handled everything with a high level of professionalism, grace and integrity — exactly what you want in a trusted partner. I highly recommend his services and will certainly utilize him again.” AnTHOnY W. On RECEnT SALE OF OCEAn BLOCK MID-TOWn COnDO AT 96% OF ORIGInAL LISTInG PRICE.
?
Our financial insight will help your association make informed financial decisions to protect your valuable assets.
CoastalLifeOC.com • 443 552 7579
“Steve spent an entire day with me while my husband underwent training at a new job that requires us to relocate to the coast. As soon as we sell our home in Virginia, we will be following up with Steve to help us facilitate the buying process. We look forward to working with him, as he gained my confidence after the first showing. I don’t know many agents who would dedicate an entire day showing me properties. Not even rain could dampen his spirits, while others would view the search day as a waste of time. He has earned our business.” ALISOn L. On SECURInG BUYER AGEnT SERVICES FOR An UPCOMInG PURCHASE In THE COASTAL REGIOn.
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH
Which projects will yield the most value for your house? Home renovations are a significant part of homeownership. Naturally, people want to make their own personal marks on the homes they buy and ensure that their properties fit their needs and wants. People who are remodeling primarily to increase equity for future sales may want to consider exterior projects and basic kitchen improvements. While many renovations add value to a home, some offer more value than others. When allocating dollars to renovations, particularly when finances are tight, homeowners may want to direct their efforts to those projects that will offer the highest rate of return on investment. Each year Zonda Home, in conjunction with Remodeling magazine, puts together a list of high-return projects. Exterior projects drive the most value for owners who are selling their homes, and they consistently top the list of high-ROI improvements. Here are five projects offering a strong ROI that homeowners may want to consider. Garage door replacement is part of the curb appeal improvements homeowners can consider. At an average cost of $4,672, it offers a recouped cost of 267.7 percent according to the 2025 Zonda report. Steel door replacement is a wise
choice for homeowners who want to drive up the value of their homes – look for a 200% return on investment! Manufactured stone veneer is a manmade masonry product that looks like natural stone but is lightweight and easier to install. It can offer a recouped cost of 207.9 percent on an estimated $11,000 investment. Fiber-cement siding replacement: Homeowners in the market for new siding can consider fiber-cement siding, which will see the investment recoup slightly more than 100 percent of its cost. Minor kitchen remodel: Kitchens are the heart of a home, and a minor remodel offers a 113 percent return. Inside the home the golden rule is to keep things simple. Minor remodels tend to offer a better rate of return than major ones. Buyers will pay for movein ready and updated, but sellers likely will not recoup the costs for luxury upgrades or over-the-top renovations. It's important to note that 2025 was the first time a practical backup generator made the list of top improvements. Falling into the number seven spot, the generator averaged a return of 95.3 percent, which underscores how homeowners are gearing improvements toward the changing climate and unpredictable weather.
Terri Moran
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REALTOR ® , ABR, GRI
M: 443.235.5467 O: 410.524.1203 tmoran@cbmove.com TerriMoranRealtor.com
12207 Coastal Hwy • Ocean City, MD
SUNCOAST 101 • 5105 ATLANTIC AVE
Rare find — mid-town intimate 4-unit condominium with private keyed elevator to your private lobby, entrance door and rooftop sun deck. Spacious 3 beds and 3 baths. Living room & main bedroom have access to oceanfront balcony. Over 1800 sq. ft. of fine living. $1,190,000 Beautifully furnished. OUR PLACE AT THE BEACH 307F 119 OLD LANDING RD
Spacious and open 2 bed, 2 bath bay side condo with many upgrades. Original owners never rented. Large private balcony overlooks the outdoor pool. On-site management. Furnished.
340,000
$
BLUEWATER EAST 203N • 13400 COASTAL HWY
Located in the north building, this unit grossed over $17,000 in 2025. Overlooking the outdoor pool and just a half block to the Ocean. Perfect investment or summer home. Fully-furnished.
A Best Buy at $259,999 SKYHAVEN 307 • 9 138TH STREET
Steps from the beach, this 1 bed, 1 bath in masonry building with electric fireplace has been enjoyed by owner and family for years. Slider in living room and bedroom window replaced in 2026.
NOW $287,500 OUR PLACE AT THE BEACH 201B • 119 OLD LANDING RD
Enjoy easy coastal living in this bright and breezy 2 bed, 2 bath bay side condo. On-site mgmt. and large outdoor pool. Fabulous south and westerly views from screened balcony.
Offered at $405,000 We are a subsidiary of Anywhere LLC
Real estate agents affiliated with Coldwell Banker Residential Brokerage are independent contractor sales associates and are not employees of Coldwell Banker Residential Brokerage. © 2026 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered service mark licensed to Coldwell Banker Real Estate LLS. An Equal Opportunity Company. Equal Opportunity. Operated by a subsidiary of NRT LLC.
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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
SEPTEMBER 2026
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH
SEPTEMBER 2026
For a listing that stands out, be unique and memorable Buying a Property? An Inspection Should Be a Crucial Part of Your Investment! Residential, Commercial, Apartment, Condo or Rental Unit Inspections
Inspection Services Radon Gas Thermal Imaging Mold & Mildew Inspection Electrical Roof Chimney Plumbing Septic & Much More!
1st Time Home Buyer? As a certified HUD Renovation Consultant, I can help you avoid pitfalls & make better decisions through the purchase process
To Book Your Inspection Call 443.253.5428 or go to www.wertzinspect4u.com Ask about Veteran’s Discounts! Licensed in PA, MD, DC and DE MHIC 71328 / MREAC 34114 / PAHIC 041901 / H4-0010269 InterNACHI 20021138 / DEP3526 #A8275 AARST Indoor Environments Association
The popularity of real estate listing websites like Zillow, Trulia, and Redfin has made it easier than ever for buyers to find properties for sale. But those sites feature so many listings that it's not always easy for sellers to make their properties stand out. With that in mind, homeowners can work with their real estate agents or realtors to tailor a listing that's sure to draw the attention of buyers. Identify what makes your property unique. Homeowners can take a tour of their properties with their real estate representative to identify what makes their homes and grounds unique. Details like the number of bedrooms and bathrooms and the total square footage certainly draw the attention of buyers, but neighborhoods tend to feature similarly sized properties. But an emphasis on unique features, whether it's a fully finished basement or a recently remodeled outdoor living space, can make a listing stand out. Read a listing as if you were a prospective buyer. In addition to emphasizing the unique features of your home, you can read a draft of your listing to see if it would appeal to you if you were a buyer. Does the listing adequately convey what makes your property special? Is there enough information about the property? Does the listing get into specifics or is the description generalized? Buyers will look at an assortment of
listings, and it can be easy to confuse one with another. Be concise but detailed. Emphasize key characteristics in bullet points. A listing that's too wordy may not be read in full, but work with your real estate representative to identify points of emphasis and even list those as bullet points to make the listing more reader-friendly. Give it to ‘em straight. Honesty is the best policy for listings, period. No buyer wants to read a listing and then feel as if they've been misled upon visiting a property. While it may seem as though everyone wants a move-in ready home, many buyers will not scoff at a listing that notes DIY potential. At the same time, if a home is indeed move-in ready, emphasize that so buyers who don't want to swing any hammers know they won't have to if they buy your home. An honest characterization will attract buyers, while a misleading description of the property will come across as a red flag. Highlight the area as well. Buyers aren't just investing in a home, they're investing in a place to set down roots. Consider the town where you live and use the listing to highlight its strong points. If your town is a walkable locale with a thriving local shopping and food district, emphasize that in your listing. If the town boasts a top-notch school system, be sure to allude to that in the listing.
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH
SEPTEMBER 2026
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Should you consider refinancing your home? Refinancing a home may be on the minds of many as mortgage interest rates continue to drop from the heights they reached just a short while ago. Data from the Freddie Mac Primary Mortgage Market Survey showed average 30-year fixed mortgage rates hovering around 6.51 % as of late May 2026. The rates are a notable step down from the almost 8% peaks in late 2023. Homeowners who bought during the post-pandemic peak are recognizing that small shifts are now opening opportunities to refinance and save money. Consideration of various factors can help
homeowners determine if now is the time to refinance. Before determining if it's the right time to refinance, homeowners should assess why they want to. First Savings Mortgage Corporation says people refinance for various reasons. For some, they want to shorten the loan term to save on overall interest. Others need access to cash and use a cash-out refinance to tap into their home equity. Someone who has an adjustable-rate mortgage may want to refinance to switch to a fixed-rate one. People who need relatively fast access to cash may be looking
to refinance more quickly than those who are doing so to switch a mortgage type or shorten terms. An interest rate reduction of just 0.75% to % is often enough to justify a refinance. On a $400,000 loan balance, dropping the rate from 7.5% to 6.5% can cut roughly $260 off the monthly principal and interest payment. So, even though rates aren't historically low, if they are lower than when the original loan was initiated, it may be prudent to refinance. A refinancing comes with certain costs. Closing costs typically range be-
tween 3% and 6% of the total loan amount, and include title searches, property appraisals, loan origination, and underwriting. Timing a refinance should occur at the break-even point, or the exact month when the homeowner's accumulated monthly savings surpasses the upfront costs of securing the new loan, says Norada. Conventional borrowers will have the PMI removed once they have reached 20 % equity, but others may want to refinance to have the PMI removed sooner if the home's value has risen significantly since purchase.
LIKE US ON Licensed in MD, DE
Neighbors Serving Neighbors - One Home at a Time
BUY • SELL • RENT
11065 Cathell Road Ocean Pines
LONG TERM RENTALS 410-208-9200 Ext. 3 800-337-7368
www.HilemanRealEstate.com
SHOULD I SELL MY HOUSE OR RENT IT OUT? CALL US AT 410-208-9200
Debbie Hileman
1036 OCEAN PARKWAY OCEAN PINES
OWNER/BROKER, GRI & CRS Licensed in MD, DE
HOME LOOKS STRAIGHT DOWN the 3rd FAIRWAY of the OCEAN PINES GOLF COURSE!
EXCELLENT INCOME - PRODUCING PROPERTY
STUNNING RANCH-STYLE HOME ON A BEAUTIFULLY LANDSCAPED LOT
104 FRANKLIN AVENUE • BERLIN
This home is over 1,500 sq. ft. featuring 3 BRs and 2 baths. The expansive kitchen is complete with an island, SS appliances, and a cozy breakfast bar. Major renovations in 2024, including new roof, interior paint, doors, fixtures, lighting, and appliances. The primary suite features a tray ceiling, walk-in closet and a spa-like bathroom. From the light-filled sunroom, step outside to discover a covered porch, fire pit, extensive hardscaping, pea gravel, a hot tub, and multiple patios.
Located in the quaint town of Historic Berlin! The extra-large lot creates a beautiful rear yard with mature shade trees. Each level contains a 3-bedroom, 1 bath apartment, totally renovated within the past 10 years. Large storage barn. Driveway parks 8 vehicles. Walk to all of the amazing attractions that Berlin offers. Both units are fully leased through Feb. & Mar. of 2027!
Walk to the golf club to start your tee time or grab a bite to eat! One level living with a single car garage, rear deck and a fantastic Sun Room with its own mini-split heat pump. Features include LVP flooring, Stainless Steel appliances, large breakfast bar, double pantry & a front loading washer and dryer.
NOW $524,900
$595,000
NOW $439,900
Cell:
443-235-5982 DebbieHileman07 @gmail.com
17 SUNDIAL CIRCLE OCEAN PINES
101-123RD ST #384 JOCKEY BEACH CLUB OCEAN CITY
Terri Bradford Associate Broker, GRI
410-430-6875
Bethany Drew Associate Broker, GRI
410-430-2602 2301 PHILADELPHIA AVE #406 WESTWARD HO OCEAN CITY • Charming studiostyle end unit in the Western Ho building. • Ideally situated just moments from beach, dining, entertainment & bayfront activities. • Interior features a stylish tile shower, solid surface countertops & newer water heater installed just 1 year ago.
$197,000 Licensed in MD, DE • PO2Team.com • Powerof2@PO2Team.com
Lynette Bridges-Catha
43 BIRDNEST DRIVE OCEAN PINES
EXCELLENT LOCATION FOR THIS AFFORDABLE 1-BEDROOM CONDO!
Cindy Crockett REALTOR®, GRI Licensed in MD
WALK TO HUNTINGTON PARK
Just 2 blocks to the beach to Smilin4shore@comcast.net enjoy the sun, surf and sand! A top-floor unit with access to the private balcony from the living room, offering a canal view! Enjoy a breakfast bar, brand new range, bonus 2nd level with a 14’ x 14’ BR and a full bath. Just 500' from beautiful Northside Park, where the Town of OC features many events all season long! The perfect destination for vacation rentals and coastal getaways!
Check out this 3 BR, 2 BA getaway with happy vibes on a quaint street within walking distance to 6.6acre Park. Engineered hardwood floors, vaulted ceilings, split bedroom floor plan, granite countertops & a large center island are featured in the spacious and bright kitchen. The showcase of this home is definitely the huge rear 20’ x 14’ screened porch! Furnishings are negotiable.
NOW $239,900
$369,900
CRS, PMN, GREEN, SRES Licensed in MD, DE
Cell: 443-497-3128
Cell: 410-430-0587
CindyCrockett7@ gmail.com
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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SEPTEMBER 2026
CHARMING 4 BR, 2.5 BA CAPE COD-STYLE HOME NE
W
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IN
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ELEVATE YOUR EXPERTISE. EARN YOUR CALS CERTIFICATION. Gain in-depth knowledge of the local real estate market and stand out as the go-to professional for coastal properties in Somerset, Wicomico & Worcester Counties.
COURSE SCHEDULE WEDNESDAY
WEDNESDAY
SEPTEMBER 23, 2026
22 CAPETOWN ROAD NORTH OCEAN PINES Cape Cod-style home in quiet neighborhood setting yet still just 10-15 minutes to Ocean City beaches! Recently expanded home has plenty of space & flexibility. Added 4th BR & 1 full BA is perfect for guests, family or home office. Fresh interior paint & new carpet upstairs allow the next owners to move right in & make it their own. Huge pantry & storage space keeps everything organized. Enjoyable front porch & spacious backyard patio & fenced in yard great for cookouts, entertaining, pets or relaxing among the trees. Separate storage shed for beach gear, bikes, tools & outdoor equipment. Additional room along the side of the home to park boat or RV. Amenity-rich community with pools, playgrounds, tennis, recreation facilities, parks & more! Plus, residents have access to Ocean Pines Beach Club in Ocean City for extra beach parking options. $424,900 This home offers a little bit of everything!
Anne-Marie: 443-783-7654
ambouseoc@gmail.com Rob: 443-783-6655 Robbouseoc@gmail.com
DAY 1
OCTOBER 7, 2026
9:00 AM - 4:15 PM
DAY 2
(Check-in begins at 8:15 AM)
Location: CAR Training Room 314 Franklin Ave., Suite 106, Berlin, MD
9:00 AM - 4:15 PM (Check-in begins at 8:15 AM)
Location: CAR Training Room 314 Franklin Ave., Suite 106, Berlin, MD
Complete both sessions to earn your Coastal Area Specialist (CALS) Certification!
KNOW THE MARKET. OWN THE SHORE. BE CALS CERTIFIED
Licensed in MD & DE
RE/MAX Advantage Realty
Office: 410-723-3600 1551 Coastal Hwy • Ocean City MD 21842
QUESTIONS? CONTACT THE CAR OFFICE 410-641.4409 | info@coastalrealors.org
Coastal Association Affiliate Members A2Z Inspection Services Daniel Wine
Coastal Law Office, LLC Peter Buas
Atlantic Exposure, LLC Krista Valliant
Coastal Lending Team of Luminate Bank Michelle Watts Macia
Authority Inspections John James
Coastal Real Producers Colleen Rippey
Bartlett Tree Experts Michael Nerud
Community Title Network Danielle Dennis Steve Greenwood Colton Lohnas
Bay Acquisitions Inc Harry Hammel III Bay Capital Mortgage Connor Saulsbury Black Oak Title, LLC Trisha Seitz Blackwater Home Inspections Bradley Delbridge Howard Alperstein Daniel Morris Brennan Title Company John Brennan Peter McGough Bright Title and Settlement Services, LLC Sam Greenfeld Daniel Erb Capitol Title Kathy Burton Maura Burton Pilar Burton Capturing Horizons Ashlyn McGuigan Cardinal Settlements Matt Chance Mac McGraw CK Capital Management Corp Bill McCormick CMG Home Loans Shawn Hunt Aaron Jones Samuel Kotzur
D3 Corp John Gehrig CrossCountry Mortgage, Inc. Susanne Montague Martha Pfeiffer Meghan Shockley DeChant Appraisals & Realty Srv Michael P. DeChant Deeley Insurance Group Laura Bren Jill Gormley Delmarva Appraisals LLC Beverly Wilson Direct Mortgage Loans-Philldephia Ave Billy Apostolou Tom Ford Ashley Turbutt Eastern Title and Settlement Josh Greene Kathleen Taylor Elite Valuations, Inc Kathleen Hoffman Stephanie Rinck Embrace Home Loans Jason Cook Fairly Dave Vincent Finley Appraisals Gary Finley
First Shore Federal S & L Susan Vincent Anthony Hall Randy Merritt Jr Karla Shenk Ed Henderson Diane Turner Jennifer Johnson Christina Fuller Ray Perdue Paula Brown Fogle’s Water Treatment & Well Services – Delmarva Division Jennifer Dawicki Goosehead Insurance Melissa Geeslin Greater OC Chamber of Commerce Olive Mawyer Guaranteed Rate Affinity Paul Soule High Tech Home Inspections Scott Donnelly House Master Alan Hoffman House of Townsend Veronica Townsend Integrity Appraisals Karen Vara L.O.H Drone Services Laird Grinnell L Turner Appraisals LeRoy Turner Lakeside Title Company Diana Dovel Landmark Insurance – Financial Group Colleen Nichols Marr Appraisals Inc Kenneth Marr Elizabeth Filgueras Maryland Department of Housing and Community Development Maddy Ciulu Maryland Title Service Karen Graham Chrissy Roberts Gina Williams
Mid-Atlantic Settlement Services Susan Lloyd
Realty Exchange Corporation William Horan
MillerDodson Associates, Inc. Peter Miller
Reserve Studies of Delmarva, LLC Eugene Jubber
Movement Mortgage - Ocean City Joe Brach Liz Buckley Justin Kozera Kenneth Lee Kenny Parr Jason Shoff Pam Rocco Movement Mortgage - Salisbury Hope Morgan Patrick Clark Hamilton Morgan Nock Insurance Agency, Inc. Emily Nock
River Run Hunt Crosby RTI-Solutions Stephen Gladwin Sage Title Group, LLC Jennifer Thompson Salisbury Neighborhood Housing Cheryl Meadows Seagull Disposal Andrew Duley Shore United Bank Rene Adkins
OC Real Estate Services, Inc. William O’Donnell
Shorlock Home Inspections, LLC Jay Aydelotte Cody Aydelotte
Oracle Home Inspection Paul Vaillancourt
Superior Appraisal Service Carrie Brown
Osprey Title & Escrow Devin Holland Caitlyn MacWha
T & G Builders, Inc John Rego
Payneless Financial Services with Edge Allen Payne
The Gold Standard Inspection Company Todd Williams
Presidential Bank Mortgage Mike Bradley Terry Kernan
The Mortgage Link, Inc Chrissy Summers
PrimeLending Rod Flowers Pro-Spect Inspection Services Nicholas Strayer Connor Clevenger Tyler Eck Jonathan Fourquet-Laboy Bradly King Kevin Klakring (Sean) Bilonna Dilling R.E. Appraisal Service Ryan Ellerman
Tidemark FCU Edward Horan To the Max Junk Removal Max Sieg Wertz Construction & Inspection Lewis Wertz Whitecap Mortgage Delmarva Jocelyn Succarotte Whitehead Rental Management Austin Whitehead Micki Rickards
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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Need Help with 2nd Season Vacation Planning? Sweet September... Let Us Help You Find Your Next Home!
Ocean City Sales & Vacation Rentals Sun, Sand & Sea - We Have All 3!
Book Your Long & Foster Vacation Today in Ocean City! 11701 Coastal Hwy Ocean City Square Shopping Center Ocean City, MD
410-524-1700
1-800-THE-BEACH (843-2322) LFVacations.com
PAGE 14
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
SEPTEMBER 2026
SEPTEMBER 2026
REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH
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SEPTEMBER 2026
Happy Labor Day Weekend!
Full Service Real Estate Settlements Serving the Resort Area since 1989
Phone: 410-723-2000
MarylandTitle@BeachSettlements.com
contact
Chrissy Roberts
Chrissy@beachsettlements.com
Gina Williams
Gina@beachsettlements.com
11500 Coastal Hwy. #7 • Ocean City, Maryland 21842