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mid February 2018 301-665-2817 Frederick & Washington Co., MD Franklin, Fulton & Adams Co., PA Eastern Panhandle, WV

P E N - M A R F U L L C O L O R R E A L E S TAT E G U I D E

www.welcomehomesonline.com

Exceptional 5 BR, 3-1/2 BA Custom Home on over 2 Acres, Fairplay See ad on page 7 Call Jason Hose 301-491-2625 Mackintosh Realtors 800-727-7653 ext. 229


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240-420-2401 office 301-739-4800 x135 office 301-573-0827 cell

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Realtor® Associate Broker

RE/MAX

RE/MAX

RE/MAX

Achievers

®

222 E. Oak Ridge Dr., Suite 2000 Hagerstown, Maryland

HHH #1 Agent 1995-2014, 2016-2017 for RE/MAX Achievers HHH FARMETTE • 4.75 ACRES • $479,500

COUNTRY CLUB ESTATES • $389,900

WILLIAMSPORT AREA • $379,000

YOUR OWN MINI ESTATE. Renovations Complete – Brick Farmhouse, Bank Barn, working green house w/heated beds, small pond, 4.75 Acres, 4400 sq ft including 4-5 BRs, 3.5 baths, new granite kitchen & appliances, fabulous 2nd floor library, modern bathrooms, 2 fireplaces, recent roof, zoned heat, new central air. This is a gem. FL10047589

QUALITY BUILT & IT SHOWS - 3-CAR GARAGE TOO! Stone Cape Cod on almost half acre lot, 3,500 Sq ft finished with 9' ceilings, gourmet kitchen w/large island & walk-in pantry, sunken family room w/gas fireplace, tilt windows, lovely sun room with cathedral ceiling, 4 bdrms, 2.5 baths, LR, DR, full bsmt (plumbed for full bath), maintfree deck & fenced back yard. FL10127106

CLASSIC BRICK BEAUTY. Picture Perfect inside and outside... 4 bdrms, 2.5 baths, open floor plan, sunken sun room addition, family room w/gas fireplace, granite kitchen w/large island, hardwood & tile floors, nice den/home office, full bsmt, stampcrete patio & private back yard (fenced) with in-ground heated saltwater pool...sweet! WA10104942

BUILDER’S HOME • 3 ACRES • $565,000

FARM FOR SALE • $1,500,000

COMMERCIAL/RESIDENTIAL • $225,000

OPEN SUN., MARCH 4th • 2:00-4:00

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YOUR OWN MINI ESTATE. Renovations Complete – Brick Farmhouse, Bank Barn, working green house w/heated beds, small pond, 4.75 Acres, 4400 sq ft including 4-5 BRs, 3.5 baths, new granite kitchen & appliances, fabulous 2nd floor library, modern bathrooms, 2 fireplaces, recent roof, zoned heat, new central air. This is a gem. FL10047589

WEST OF TOWN • 40 ACRES • $359,900

BRING OFFER!

ZONED RO – MANY POSSIBLE USES. Live/Work Opportunity in this well kept all brick property, just a quick walk to downtown, 2,928 sq ft + full attic & basement, 10' ceilings, numerous fireplaces, newer roof and furnace, central air, 200 AMP electric service, wood floors, parking lot for approx 8 vehicles, formerly used as church. Call Shirley for details. WA10070232

REMODELED THROUGHOUT • $99,900 NEW

POSSIBLE IN-LAW SUITE. One-Owner Home - Comfortable brick home, 3 bdrms, 2 full baths, hardwood floors throughout, LR with corner fireplace, eat-in kitchen w/appls, large family room downstairs with fireplace & kitchenette, central air and efficient natural gas utilities. Plenty off-street parking from alley in rear. WA10112257

ESCAPE TO PEACE & QUIET, newer rancher style home on 40 acres (most wooded), 3 BRS, 2 full baths, freshly painted throughout, oak kitchen w/all appliances, full walk-out basement for expanding (plumbed for bath), deck & patio. Triple garage/workshop for the hobbyist. Just 5 min to river & I-70...sweet! WA10012995

BUDGET BEATER. 2-3 bedrooms, newer oak kitchen with all appliances, newer tilt windows, new lighting, new flooring, economical natural gas heat, new easy-care vinyl siding, full bsmt, rear patio, nice large storage shed/workshop. Where can you find a home like this for under $100k? WA10135864

CAPE COD+DOUBLE GARAGE • $154,900

FUNKSTOWN TOWNHOUSE • $89,900

WEST OF TOWN • $119,900 Extra Building Lot Included

NEW

COZY BUNGALOW Needs some cosmetic updates...3 BR, 1.5 baths (updated), newer kitchen cabinets, new electric box, new central air 2004, hardwood floors, wrap around porch, full basement, comes with extra building lot that has it's own separate well and septic in place! Close to Conococheague Creek...sweet! WA10085740

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BRICK & SIDING TOWNHOUSE - Open floor plan, 3 bedrooms, some hardwood floors, separate dining room, all appliances including washer/dryer, master bedroom has walk-in closet, fenced back yard, double pane windows, lot backs to woods. Convenient location just outside Funkstown, easy access to I-70. WA10149068

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CORNER LOT. 3-4 bedrooms, 2 full baths, replacement windows, eat-in kitchen with all appliances, new laminate floors, full basement with bonus room, recent roof, & fenced back yard. Detached double garage from alley in rear (has lift) ... ideal for the hobbyist. WA10131457

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NEAR CITY PARK • $149,900

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LIFETIME OPPORTUNITY - Large all brick rancher, hardwood floors, great room w/FP, solid wood doors, Andersen tilt windows. Finished walk-out bsmt has in-law suite with great room, hickory kitchen, bdrm, bath & garage. Part wooded lot, 3 porches, 50x60 Outbuilding ideal for the hobbyist. This is a gem! WA10128393

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172 Acres – Beaver Creek Area

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50x60 Outbuilding

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shirleybayer@remax.net Licensed in Maryland and Pennsylvania

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Tell your Realtor you found it in WELCOME HOMES

mid February 2018 Welcome Homes Pen Mar 1

Mike Haywood, Broker: 304-790-2820 Office: 800-651-5540/304-788-5540 Personalized...Not Franchised 459 South Mineral St. Keyser, WV

93 Acre Horse Farm Nr Winchester, VA With Low WV Taxes

BAKER, WV - UNIQUE OPPORTUNITY TO BUY INCOME PRODUCING FARM OR RECREATIONAL PROPERTY WITH 3 HOUSES AND 35 ACRES PASTURE/ HAYFIELDS. IMMACULATE 3 BEDROOM, 2 BATH RANCH STYLE HOUSE WITH ATTACHED T&G PINE SUNROOM, FULL (FINISHED) BASEMENT, POOL, GAZEBO, DETACHED GAREAG/SHOP, OUTBUILDINGS, BLACK BD FENCING, STREAM, POND AND 2 SEPARATE INCOME PRODUCING RENTAL HOMES. NEW $30K HAY BAR, ROAD SYSTEM TO ALL FIELDS AND LONG HARD SURFACE COUNTY ROAD FRONTAGE. COMPLETE PACKAGE ONLY $579,500.00

NOTE: OWNER WITLL SUBDIVIDE & SELL IN VARIABLE PARCELS. CALL MIKE HAYWOOD FOR MORE DETAILED INFO. OFFERED EXCLUSIVELY BY MIKE HAYWOOD, BROKER 800-651-5540 - (304) 790-2820/ www. mikehaywoodgroup.com


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1303 Pennsylvania Ave. Hagerstown, MD 21742

301-745-5500

MARY BETH HERRERA

BUY OR SELL FROM US ...

Licensed in PA & MD

301-991-1471 Email: marybeth@ sullivanselectllc.com

LUANN MATHESON Licensed in PA & MD

302-766-2995 Email: luann@ sullivanselectllc.com

We are here to help you every step of the way! com

ne. sonli

ome

eh t Listings m o c .wel y’s Hottes n Houses w w w da pe O To rch ming gent Sea o c p U e&A Hom

Welcome

Homes PEN-MAR REAL ESTATE GUIDE

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mid February 2018 Welcome Homes Pen Mar 33

Tell your Realtor you found it in WELCOME HOMES

H.A. “Pete” John

Broker/Owner

Cell: 717-658-1697 email: masondixon1@comcast.net • www.MasonDixonRealEstate.com Serving PA and Western Maryland

564 Lincoln Way East Chambersburg, PA 17201 Office: 717-263-7776

Our Services include: Residential Home Purchase and Sales Commercial Property Purchase and Sales • Raw Land Purchase and Sales

342 GRANT ST. CHAMBERSBURG

3747 SCOTLAND RD. SCOTLAND

Owner Financing

3897 Alfalfa Lane in Penn National Estates NATIONALLY KNOWN RETIREMENT & GOLF COMMUNITY

MANY UPGRADES in this lovely, one owner home in Fayetteville. Large master, nicely sized 2nd bdrm, 2 full baths. Wood flooring in family/dining/stairs to loft. Ceramic tile in kit/baths/laundry. Carpeting in bedrms. Loft has space for various room options, overlooking family room. Gas fireplace. Enjoy your private patio, with remote awning, located across golf course fairway. All appliances convey. Immediate possession. FL9896513 REDUCED!

30,000 Sq. Ft. Commercial Building Complex on 2 Acres in growing commercial section. Easy access & off street parking. GREAT opportunity for the “Investor with foresight”... Possible Brewery or Winery, both of which are expanding rapidly in region. FL9622860 NEW PRICE! $399,000

All Reasonable Offers Considered!

Great 3 Unit Commercial 2-story Property with 2 Rented Units. Brick and vinyl siding, zoned for business with great visibility. Located in the center of the square in Scotland with ample parking. Multi-use property. INVESTMENT RETURN: approx. $24K Gross... FL9711316 $209,900

SCHRACK REALTY 615 Washington Street, Huntingdon, PA 16652

(814) 643-6000 • Toll Free 1-888-277-0096 www.schrackrealty.com “We Sell The American Dream” NEW PRICE

LIKE NEW 3 BR, 2.5 BA HOME convenient to shopping/schools. HW floors/tile throughout, granite counters & SS appliances in kitchen. Vaulted ceiling, XLG walk-in closet in master BR. Granite vanities in baths; master BA w/ jetted tub/separate shower. 2-car garage, storage shed, Lg. covered porches. $262,900. #2814194

NEW LISTING

GREAT POTENTIAL

commercial location at the gateway to Seven Points Marina. Large, level, paved parking lot is adaptable to many uses. Large sanctuary space with lower floor at ground level can also be adapted to many potential uses. Boat parking, self-storage, flea market. auto dealership are all things that could be workable here. $350,000. #2814236

MARINERS COVE

CONVENIENT ONE STORY LIVING 2 BR, 1.5 bath newly remodeled brick rancher with beautiful hardwood floors in lg. LR & formal DR. Also features WB fireplace. Covered porch, nice 1/2 acre lot. New furnace, newer central air. 1 car garage. #2814136

Rare Opportunity. 6 lots with easy walk to Raystown Lake water's edge. Perc approved, ready for your dream home. Lots like this come on the market only a few times a decade, call now! $262,500$275,000. #2814179

NEW PRICE

NEW CONSTRUCTION!

Built in 2010 but never lived in. Be the 1st to enjoy living in this lovely 3 BR, 2.5 bath townhome. Features open floor plan, space for table in kitchen & open DR. Master BR with private full bath w/ceramic tile floor, 2nd floor laundry area. Back deck leads to back yard. $109,900. #2814165

GREAT POTENTIAL CASH FLOW THIS GREAT CAPE COD HOME

5-unit, totally renovated apartment building w/ample parking along Route 22. Property features its own water supply & sewage system as well as new wiring, a new heat pump with heat/AC, new plumbing, & new flooring, drywall, ceilings, doors & windows! $249,900. #2814115

has so much to offer. 4 bedrooms, 3.5 baths, 2 car attached & 2 car detached garages. Eat-in kitchen, 1st floor living w/master bedroom w/bath & laundry on 1st floor. 1.6 partially wooded acres. Close to State Game lands, Raystown Lake and Trough Creek State Forest. $279,900. #2814030.

EXQUISITE CUSTOM BUILT HOME

on 5.05 acres in Huntingdon Co. Features Great Rm., family rm w/stone fp, gourmet kitchen, lg. formal DR, Master BR w/vaulted ceiling, newly remodeled M bath ceramic tile, 2 other charming BR's, plus library w/built-in book shelves (or 4th bdrm) & bath. Lower Level rec room. $427,000. #2813734.


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Tell your Realtor you found it in WELCOME HOMES

PEN-MAR

Welcome

Homes

FULL COLOR REAL ESTATE GUIDE

mid February 2018

301.665.2817 Email: ads@welcomehomes.com www.welcomehomesonline.com

REALTORS

Maryland

Coldwell Banker Innovations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Long & Foster Real Estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11, 13, 15 Mackintosh Realtors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Front Cover, 7, 9 RE/MAX Achievers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Inside Front Cover Sullivan Select Real Estate Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2, 16 . . . . . . . . . . . . . . . . .Inside Back Cover & Back Cover

Pennsylvania

REALTORS Berkshire Hathaway Homesale Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Mason Dixon Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Schrack Realty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

West Virginia Express Modular . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 The Mike Haywood Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

New! Articles Debunking Homeownership Myths for Millennials . . . . . . . . . . . . . . . . . . . . .14 Do the Math: Homebuying Now May Save A Lot . . . . . . . . . . . . . . . . . . . . . . .10 Homeowners Liable for Snow and Ice Control . . . . . . . . . . . . . . . . . . . . . . . . .12 New Ways Renters Are Becoming Homeowners . . . . . . . . . . . . . . . . . . . . . . . . .8 *ADVERTISERS*

Ads for the mid-March 2018 issue are due January 26 thru March 2nd. Email: ads@welcomehomes.com or submit ads online at: www.welcomehomesonline.com


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mid February 2018 Welcome Homes Pen Mar

Tell your Realtor you found it in WELCOME HOMES


Jason Hose GRI, Realtor

Tell your Realtor you found it in WELCOME HOMES

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Call Me Directly at: (301) 491-2625 Toll Free: (877) 851-7557

1830 Dual Highway Hagerstown, MD 21740

O: (800) 727-7653 ext. 229 Email: jasonhose@machomes.com Website: www.jasonhose.com

Licensed in Maryland, West Virginia & Pennsylvania

FROM THE COVER

3 BR, 2-1/2 BATH COLONIAL ON 3+ ACRES with front porch & 2 decks for relaxing. Features: open kitchen/dining/family room with fireplace, master BR with doors to private deck, master bath with dual sinks & garden tub, partially finished basement, and 2 car attached garage. For additional information or to schedule your private showing call Jason at 301-4912625. Offered at $389,900. (CE12-107) Mackintosh Realty, Inc. - Lavon Thaxton Broker

EXCEPTIONAL 5 BR, 3+ bath custom home on over 2 acres, ready for new family to love! Three levels of living space includes gas fireplaces in living room, family room, & master suite. Gourmet kitchen features 11 ft. island. Extensive landscaping offers koi pond and woodburning fireplace for entertaining on lovely slate patio. Lower level walks out to gardens, perfect for in-law or teen suite. For add’l info or to schedule your private showing call Jason at 301-491-2625. Offered at $429,900. (KN18-107) 1878 CUSHWA CUSTOM BRICK TOWNHOUSE with endless amenities. Upgraded kitchen features 37 maple Wellborn USA cabinets, granite countertops/ island, Hearthstone woodstove w/25 ft stainless SS liner, new Kenmore SS energy efficient appliances, new CAC & heatpump. Entire house painted, fenced back yard expensively landscaped, 4 car parking lot in rear, close to C&O canal, I-81 & I-70. For add’l info or to schedule your private showing call Jason at 301-491-2625. Offered at $179,900. (PO26-107)

3 BEDROOM, 2 BATH MOVE-IN READY HOME ON 2.77 +/- ACRE LOT. Features: living room with gas fireplace, master BR with large walk-in closet & master bath, 2 car garage, 2 sheds for extra storage, 36x48 metal building with concrete floor & electric, and 1 year home warranty. For additional information or to schedule your private showing call Jason at 301-491-2625. Offered at $320,000. (LE27-107)

NEW LISTING

3 BEDROOM, 2 BATH RANCHER ON .42 +/ACRES. Features: living room with gas fireplace, laminate flooring in bedrooms and living room, detached shed for storage, and priced to sell. For additional information or to schedule your private showing call Jason at 301-491-2625. Offered at $95,000. (PI12-107)

NICE PRIVATE LOT. Almost an acre. Public water and sewer available. Mountain views. Convenient location. Close to I-70. For additional info, call Jason at 301491-2625. Offered at $54,900. (NA00-107) 3.33+/- ACRE LOT. Partially wooded lot. Large heated garage w/ utilities. Well and septic on property. Close to I-70. Ready for you to build on. For add’l info call Jason at 301-491-2625. Offered at $99,900. (NA13-107)

3 BEDROOM, 1 BATH FARMETTE on 4 +/- acres in Clear Spring. Features: separate dining room, attic for storage, metal roof, covered back porch, detached 1 car garage with 2 horse stables & hay loft, detached building for storage, and fenced pasture. For additional information or to schedule your private showing call Jason at 301-491-2625. Offered at $189,900. (NA13-107)

PERCED 2.07+/- ACRE CORNER LOT in Stonewood Sub division has hard road frontage on 2 sides. deal for building weekend getaway home or permanent residence. Close to Potomac River. Enjoy fishing or canoeing close to Rails & Trails. Close to I70. Close to Berkeley Springs. For add’l info call Jason at 301-491-2625. Offered at $65,000. (OF00-107) Mackintosh Realty Inc. Lavon Thaxton - Broker

NEW LISTING

BEAUTIFUL BRICK FRONT COLONIAL. 4 BR, 2-1/2 bath home in Hagers Crossing w/ 2 car garage. Open floor plan w/relaxing FP in LR, kitchen w/ granite, SS appliances, sunroom off kitchen leads Trex deck, separate DR, HW floors thru-out main level, sep laundry area, lg master suite w/ jacuzzi & walk -in closet, Close to shopping & commuter routes. Move in ready! For add’l info or to schedule your private showing call Jason at 301-491-2625. Offered at $329,900. (BE12-107)

1.44 +/- ACRES with 2 bedroom, 1 bath mobile home. Features: newer windows, newer roof, updated furnace, well pump recently replaces, covered deck, fenced rear yard, and within minutes of I-70, Potomac River, C&O Canal Rail & Trail, and more. For additional information or to schedule your private showing call Jason at 301-491-2625. (HO14-107) Offered at $69,900.

EXPERIENCED in Short Sales, Call Jason today at 301-491-2625


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Tell your Realtor you found it in WELCOME HOMES

GREAT NORTH END NEIGHBORHOOD Split foyer in North End (Potomac Heights) convenient to YMCA, Stone House Square shopping center, and Northern Ave./Eastern Blvd. with easy commuter access to I-70 or I-81. 4 BR, 2 BA, gas fireplace in living room upstairs, large family room downstairs w/ pellet stove. Sliding patio door in dining room leads to large deck. Kitchen, dining room, and lower level BR freshly painted. Above ground swimming pool (with heater) has 2nd deck. Oversized 2 car garage, 2 sheds, and fenced back yard. $189,900. Call Steve Rhyne at 240-625-4388.

NEW WAYS RENTERS ARE BECOMING HOMEOWNERS

he world that millennials have grown up in is a lot different than the world the Gen Xers and Baby Boomers knew. The digital Trevolution, widespread use of smartphones and adoption of (BPT) - Sponsored Content from Vanderbilt Mortgage and Finance, Inc.

disruptive technologies such as ride sharing and vacation rental apps are just a few of the factors that have altered the social landscape. Unfortunately, rising student debt, rising home prices and other economic factors have hit many millennials and left them to believe that they cannot afford a home. Many feel as though they have been priced out of the American dream and they will never be able to buy a home. But no matter what your age, there are plenty of ways to become a homeowner, you just have to think a little more creatively. The rise of the rental. Looking at current trends, a recent research study found that more U.S. households are now renting than at any time in the last 50 years. With a rising number of renters, many have worried that we are becoming a nation of renters rather than a nation of homeowners. This is most evident with the younger generation, people under 30, who the National Multifamily Housing Council have found now account for 50 percent of all renters in the U.S. They aren't renting because it's a more affordable option, either. As many residents know throughout the country, rents are going up and up. Between 2012 and 2015, the median gross rent has gone up 8.24 percent, rising to $959. When you combine that with the utilities, a deposit and first and last month's rent, it's a lot of money

to spend on something you will never own. So why do people choose to rent? One reason is that many don't realize that just like phones, cars and countless other things we use on a daily basis, homes have changed. New priorities mean a new solution. As demand for housing increases, and prices on new and existing homes continue to rise, manufactured housing has adapted to the standards of today's firsttime homebuyers and provides a solution for a market in short supply of quality, affordable options. In 2016, the average sales price for a manufactured home without land was around $70,600 - that's an average of $48.82 per square foot - making them an affordable solution to renters looking to become homeowners. "We believe manufactured homes offer a great solution for many households seeking affordable housing," says Vanderbilt Mortgage and Finance Inc. President Eric Hamilton. "We work with our customers to help find financing options that fit their needs and circumstances." Renters don't have to continue doling out a monthly check for something they'll never own. The housing market has changed and with this change, manufactured homes have brought forth new opportunities to become a homeowner.

NMLS Disclosure. Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), Illinois Residential Mortgage Licensee, Licensed by the NH Banking Department, MT Lic. #1561, Licensed by PA Dept. of Banking.


Tell your Realtor you found it in WELCOME HOMES

mid February 2018 Welcome Homes Pen Mar

Frank Getz USN (Ret.), Realtor (301) 992-9652 Cell (240) 420-6442 Direct fgetz@cbimove.com Licensed in MD & PA

1850 Dual Hwy. Hagerstown, MD 21740

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READY TO MAKE A MOVE?

(301) 745-1500 (o)

Greenhill Acres – No City Taxes! Spacious 3 BR, 3-1/2 BA home with one BR on main level, dual heating systems, hardwood floors, sunroom, updated kitchen, family room (new carpet), living room, dining room, new roof 2010. 2-story heated 3 car garage, CAC, appliances, atrium door to deck. Security system avail. if activated by buyer. $234,900 WA9991375 / 1000071201

Before you do... Call a REALTOR® and pick up a copy of

Welcome

Homes PEN-MAR REAL ESTATE GUIDE •Property Zoned RS (Allowing 2 units) •Brick Rancher –3 BRs, 2-1/2 baths •Walk-up attic for storage •Jacuzzi tub on lower level •Pebbled porches and walkways •2 car garage on lower level (openers). •Public water & septic (pumped & checked in 2016) •Located near hospital and college, interstates, shopping, and churches •Possible rental on lower level. •WA9948498

ROBINWOOD AREA

New Price! $199,900 GREENWICH PARK

•Call Charlie 301-790-1700 #5010

SHARPSBURG

R ! E D UN RACT T N O C

$319,900

R ! E D UN RACT T N O C

$109,900

Listings Needed! Now is the Time to Sell! Call Charlie at 240-329-5010

CHARLES ANGLE GRI, SRES • Licensed in PA & MD

1830 Dual Highway, Hagerstown, MD Each Office Independently Owned & Operated

301-790-1700 vm 5010 • 800-733-2121 240-329-5010 • charlesangle43@gmail.com


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DO THE MATH:

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Tell your Realtor you found it in WELCOME HOMES

Homebuying now may save a lot

(BPT) – It is a common misconception that a 20 percent down payment is required to buy a home. Advice to wait and save a large down payment is often based on the theory that the cost of mortgage insurance (MI), which is required when you buy with a smaller down payment, should be avoided. This may not be the best advice and is, in fact, not in line with market trends, considering 60 percent of homebuyers buy with a down payment of 6 percent or less, according to the National Association of Realtors. Yes, you can qualify for a conventional mortgage with a down payment as small as 3 percent of the purchase price. It is also true that you can reduce your monthly mortgage payment by paying for discount points at closing, but that can be 5 or 10 percent of the purchase price – not 20. And because every buyer’s situation is unique, it’s important to do the math. In today’s market, it could take a family earning the national median income up to 20 years to save 20 percent, according to calculations by U.S. Mortgage Insurers using a methodology developed by the Center for Responsible Lending; a lot can change during that time, in the family’s personal finances and in overall mortgage market trends.

How can buying now save you money later?

Consider you want to purchase a $235,000 home. A 5 percent down payment is $11,750 versus $47,000 in cash for 20 percent down. With a 740 credit score at today’s MI rates, your monthly MI payment would be about $110, which is added to your monthly mortgage payment until MI cancels. MI typically cancels after five years; therefore, you will only have this added cost for a short period of time versus waiting an average of 20 years to save for 20 percent. With home price appreciation, today’s $235,000 home will likely cost more in the years ahead and this will also have an impact on the necessary down

payment and length of time required to save for it. There are other variables in the equation too, such as interest rates. As federal rates rise, so too can the costs associated with financing a mortgage. The savings a borrower might calculate today could be altogether negated by waiting even a few more years. Another factor is that rents are on the rise across the nation, leading to a reduced capacity for many would-be homebuyers to save for larger down payments. If you decide to buy today with a low down payment mortgage option, it is true that MI is an added cost on top of mortgage principal and interest, but keep in mind that it is temporary and goes away. Again, it typically lasts about five years. Private MI can be cancelled once a homeowner builds approximately 20 percent equity in the home through payments or appreciation and automatically terminates for most borrowers once he or she reaches 22 percent equity. And when MI is cancelled, the monthly bill goes down. Importantly, the insurance premiums on an FHA mortgage – the 100 percent taxpayer-backed government version of mortgage insurance – cannot be cancelled for the vast majority of borrowers with FHA mortgages. So, do the math and let the numbers guide you. There are many online mortgage calculators that can help. Check out lowdownpaymentfacts.org to learn more.


Tell your Realtor you found it in WELCOME HOMES

mid February 2018 Welcome Homes Pen Mar

Licensed in MD, PA, WV & VA

Cell 240-675-5536 DeanLMartin@comcast.net

www.ListWithConfidence.com WEEKEND RETREAT CABIN Weekend Retreat Cabin on 3.66 Acres, nestled in the woods surrounded by mature trees. Insulated cabin has hardwood floor, wood stove and 200 amp electrical service. Plat available. WA10002502 New Price! $74,900

RIVERFRONT PROPERTY Riverfront Property with app. 120 feet joining the Scenic Potomac River. Fully wooded lot. Currently no Utilities or buildings on site. BE10024822 $39,900

R E A L

BACK ON THE MARKET

BORDERS BOTH SPIELMAN & FAIRPLAY ROADS. 44.07 acres of raw land w/ lg machinery shed. Road frontage on both Spielman & Fairplay Roads. Currently being farmed. Great location. Rare find. WA9898715 New Price! $399,750

RENOVATED BANK BARN

(O) 800-448-3105 1100 B Dual Hwy., Hagerstown, MD 21740 for more photos and listings go to

301-797-2300

www.SoldbyDeanMartin.com

I N C.

BRING THE HORSES OR BEEF CATTLE 117 +/- acre farm w/ newly renovated barn, boasts a stream, & new fencing. About 40 acres of pasture & 60 acres of corn & hay, about 10 acres of woods including a neat “private” picnic area. WA9515773 New Price! $695,750

E S TAT E ,

3.77 ACRES WITH MATURE TREES All Brick rancher, main level living, 4 bedrooms, 2 full baths, central air/heat pump, lots of mature trees, wooded area, spacious kitchen, located off dead end street. New metal roof. FL9978664 New Price! $237,500

44 ACRES W/ LARGE SHED

F O S T E R

PERKED BUILDING LOT

WEEKEND RETREAT

&

Bringing Buyers & Sellers Together Since 2001 Dean Martin Is My Name, Communication Is My Game!

L O N G

DEAN L. MARTIN

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Homeowners liable for snow and ice control mid February 2018 Welcome Homes Pen Mar

Tell your Realtor you found it in WELCOME HOMES

(BPT) - Whenever it snows, it is common to see shopping center employees and business owners out and about clearing pathways, parking spaces and entrances of snow and ice. But this isn’t just good business to help customers get in the door, it is also a liability issue should someone slip, fall and injure themselves. Homeowners, too, face similar, albeit more limited, liability if they fail to take adequate steps to remove such slippery hazards from their property.

Generally speaking, homeowners are responsible for limiting dangers on their property, but in some cases this can also extend to public sidewalks abutting the home. In some localities, Homeowners Associations (HOAs), and governments also require that homeowners clear snow and ice or face fines. A regional survey of county and municipal ordinances conducted by the Salt Institute found that 83 percent have written policies directing property owners to remove accumulated snow and ice “within 24 hours of the end of the snowstorm.” Penalties for property owners not complying can range from nominal tickets to misdemeanors punishable by up to 90 days in jail and fines of up to $500.

Shoveling snow is simple enough, but ice is another matter, and nothing works better to remove ice or prevent ice from forming than salt. Salt lowers water’s freezing point, the temperature at which it changes from a liquid to a solid and vice versa. Melting water that is already frozen is called deicing and is applied once ice appears. Preventing water from freezing in the first place is called anti-icing and is applied when a freeze is expected. Commercially available anti-icing materials include salt (sodium chloride), calcium chloride, magnesium chloride, potassium acetate and calcium magnesium acetate. Each has its advantages and disadvantages, but salt brine remains the best choice for anti-icing in

temperatures above 15 degrees F (minus 9.4 degrees C) and continues to work in temperatures as low as minus 6 degrees F. For extremely low temperatures, look for a mixture using calcium or magnesium chloride instead.

Laws regarding snow and ice clearing vary by state and locality, but most mandate that some action be taken within a reasonable time period after it stops snowing. For example, the Illinois Snow and Ice Removal Act states that any owner who “removes or attempts to remove snow or ice from sidewalks abutting the property shall not be liable for any personal injuries allegedly caused by the snowy or icy condition of the sidewalk resulting from his or her acts or omissions unless the alleged misconduct was willful or wanton.” The dangers from slips and falls should not be taken lightly, especially for the elderly. Each year thousands are rushed to emergency rooms as a result of icy falls with injuries that could have easily been prevented. One enterprising hospital, St. Vincent’s in Indianapolis, Indiana, even decided to give away road salt to local residents one winter to try and prevent such injuries and the resulting emergency room visits. In the end, the person who is most likely to slip and fall is the homeowner themselves.


mid February 2018 Welcome Homes Pen Mar 13

Rick Baker Salesperson/Realtor® Licensed in Maryland & Pennsylvania

Direct: 301-393-8338 / E-mail: Rick.Baker@Realtor.com

COMMERCIAL

WILLIAMSPORT — Multi use commercial building. Restaurant on main level. 5 unit apartment building. Apartments are each 2 bedrooms. Located at busy intersection & close to both interstates. Priced @ $379,999 WA9938584

HAGERSTOWN — 3 Bedroom, 1.5 Bath Well maintained, charming, and Move in condition. Features nice front porch, fenced rear yard with patio. Shed, Off street parking. Half bath in laundry room on main level. Large attic for storage and unfinished basement. Priced @ $139,900 WA1010930

HAGERSTOWN — 3 Bedroom, 1 Bath Interior townhouse in Antietam Homes being sold as is. Closed in porch could make nice sunroom, fenced rear yard and shed. Priced @ $89,900 WA101518911

HAGERSTOWN — Commercial property on main road. Includes small engine repair business and auto repair garage. Priced @ $279,999 WA9940797

HAGERSTOWN — 2 Bedroom, 1 bath Rancher on Corner lot. Shed for storage, carport and off street parking. Hardwood floors under carpet. Heat is Natural gas. Priced @ $94,900 WA10046307

HAGERSTOWN — 2 Bedroom, 1 bath ranch style home with detached garage. Being sold as is. All electric Priced @ $64,900 WA10093976

OLDTOWN — 17.31 acres of land in Oldtown Md with electric. Great for a weekend get away retreat. Priced @ $59,900 Al8123381

Long & Foster® Real Estate, Inc. Hagerstown Office: 301-797-2300 • 800-448-3105 1100 Dual Highway, Hagerstown 21740 • www.longandfoster.com

L O N G & F O S T E R R E A L E S TA T E , I N C .

Tell your Realtor you found it in WELCOME HOMES


DEBUNKING HOME OWNERSHIP MYTHS FOR MILLENNIALS

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mid February 2018 Welcome Homes Pen Mar

Tell your Realtor you found it in WELCOME HOMES

(BPT) - We’ve all been told, that owning a home is part of the American dream. It’s the biggest and most rewarding investment many people will make in their lives. Instead of paying rent every month and having nothing to show for it, paying a monthly mortgage builds equity and wealth. While most know the benefits of owning a home, for many millennials and young people, it can seem like a distant prospect. In fact, while 52 percent of millennials say they no longer want to pay rent, only 18 percent think they can afford a new home, according to a recent survey conducted by loanDepot.

What is the source of this disparity? There are many reasons, but part of the problem is a vast majority of young people think there is only one way to buy a home, or that certain strict criteria has to be met to qualify for a loan.

There are many myths surrounding home ownership. Let’s break some of them down. Misconceptions about the down payment

Many believe a down payment is the biggest obstacle that stands between them and home ownership. The accepted wisdom is that 20 percent of the home’s value is needed to make the down payment. This can be a rather substantial sum. Of those surveyed, 63 percent of people think they can’t afford a down payment; 43 percent believe poor credit history would prevent them from entering the housing market and 38 percent worry that too much existing debt would prevent them from doing so. The truth is, a down payment can be as little as 10, 5, or even 3 percent. Unfortunately, many people don’t know how to access these loan options. Rather than simply doing an online search, you should take a few minutes to explore your options and talk to a loan expert at loanDepot to fully explore what kinds of mortgages are available. Student loans don’t have to be a barrier

One of the biggest sources of financial stress for millennials is the amount of student debt they carry.

The effects of this debt can be paralyzing, and many believe they first need to pay off their loans before they can even think about owning a home.

The good news is that Fannie Mae recently announced several policy changes designed to help those with student debt qualify for home loans. Other lenders, like loanDepot, have special programs designed to help those with specific types of student loans, or even 40-year mortgage loan programs that have a 10-year interest-only initial repayment period, which can help borrowers tackle their student loan debt while they make lower mortgage payments. Streamline the process with technology

So where do you start? How can home seekers find the loan that’s right for them?

Many millennials think getting a mortgage is a complicated maze. But with loanDepot’s proprietary digital lending platform, future homeowners have access to a web-based consumer portal that provides a fully digital mortgage loan application experience. With these features, as well as access to licensed loan consultants in 180+ retail locations, homebuyers have the ability to explore options they may have never thought existed, and to find the home loan that fits their budget to buy the home of their dreams.


mid February 2018 Welcome Homes Pen Mar

Rose Greenawalt, CRS, GRI, ABR 301-393-8326 direct or 301-491-2880 cell office 301-797-2300 or 800-448-3105 rose.greenawalt@lnf.com

licensed in md, pA & Wv to better serve you!

00

9,5 $13

move-iN reAdy & priced to sell!! You can own this for less than rent and you don’t have to mow the grass or shovel the snow!! Open floor plan with great room, equip. kitchen, 2 bedrooms, 1-1/2 baths, private patio & garage with opener. You will love the quiet neighborhood & it is close to shopping, churches, hospital & doctors. Only call Rose to see this “GEM”. Only $139,500.

your satisfaction is my reputation ...“the best Never rest”

hot off the press 00

7,5 $15

the oNe you dreAm About. Spacious (1790 sq. ft.) One story all brick villa that is convenient for everything including 5 minutes to I-70. Enter the open foyer to the large “Great Room”, eqiup kitchen w/walk in pantry, laundry rm. 2 BRs, master 20x12, 2nd bedroom 16x14 plus 2 full bathrooms. Private rear patio. Lg single car garage too! All this plus more for Only $157,500. Don’t hesitate...Call Rose Today!

00

5,5 $15

Not A mispriNt!! oNly $155,500 for this immaculate 3 BR, 2-1/2 BA Townhouse with over 1700 sq. ft. of comfortable living. Bright & cheerful living room, equip kitchen w/pantry, breakfast nook, half bath. Enjoy the lower level rec room & walkout to the patio & fenced yard. Extra shelving means EX-STORAGE. Lg single garage w/opener. USDA, VA & FHA financing options. Low Taxes!! If you wait, you lose...Call Rose today! (BE10138893)

$165,000

gArAges & more gArAges...if you love gArAges, you Will fAll iN love With this oNe! Comes with a real nice 3 bedroom, 3 bath brick home with over 2,068 sq ft of living space!!! Offered at only $165,000. Quick Occupancy! Call ROSE today for a personal tour

,900

00

8,9 $11

5 $13

bArgAiN huNter’s delight!!! Check out this “2008” rancher featuring 2 bedroom, bath, large living room, equipped kitchen & dining area, off street parking. Close to shopping, golf course & minutes to the city of Hagerstown’s Entertainment Center. Possible No $$$ down! Call Rose today. WA10127802

best buy iN toWN! Completely renovated 3 bedroom, 2 bath home. Equipped country kitchen, “pella” windows, plumbing, wiring, water heater, heat pump and central air. Conveniently located near shopping, bus service and minutes to I-70. Nice backyard with ample parking. ASK ROSE ABOUT THE SPECIAL FINANCING. WA10092223

der uN rAct Nt co

Are you lookiNg for “ole time chArm” With todAy’s coNveNieNce & yesterdAy’s price... Take a look at this Charming 1919 home with 3 BRs, 2-1/2 BAs and equipped kit is every cook’s dream. This all brick home has been completely renovated from the new 35 year architectural roof to the bottom basement flr. NEW WINDOWS, WIRING, and HEATING AC. Features lg rms & natural woodwork. 2x11 building in the rear with off-street parking on a concrete slab. Enjoy the covered front porch and a screened in back porch. ALL THIS PLUS MORE FOR ONLY $174,900 WA10073076 SEE ROSE FOR SPECIAL FINANCING.

Long & Foster® Real Estate, Inc. Hagerstown Office: 301-797-2300 • 800-448-3105 1100 Dual Highway, Hagerstown 21740 • www.longandfoster.com

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L O N G & F O S T E R R E A L E S TA T E , I N C .

Tell your Realtor you found it in WELCOME HOMES


16

mid February 2018 Welcome Homes Pen Mar

Tell your Realtor you found it in WELCOME HOMES

CYNTHIA’S HOT PROPERTIES! 20 Magnolia Ave. WA10145594 • $179,900

NEW LISTING!

Two story brick colonial in convenient North End location, convenient to shopping and schools. Living room on main with wood-burning fireplace, separate dining room, kitchen, half bath on main. 3 BRs and full bath upstairs. Hardwoods newly finished throughout, vinyl floors in kitchen & baths. Full partially finished walkout bsmt & large back yard. 30 Redwood Dr. • WA10045395

BRIGHTWOOD ACRES

SLASHED $299,900 $274,999 Brick Rancher features 4 BR, 3 BA w/ huge private yard in a park-like setting. Large eat-in kitchen has cherry cabinets, separate DR, fireplace in LR, built ins, w-w carpet w/ hardwood under, lots of closet space. Walkout LL has rec rm w/ FP, laundry, 1 BR. Two-car side load garage w/workshop, screened porch & side covered porch. Come see!!

Cynthia Moler Sullivan Assoc. Broker, ABR, GRI

Office: 301-745-5500 Cell: 301-988-5115

626 Franklin Mills Rd., Warfordsburg FU10016258 • $299,000 $239,900

9 ACRES!

All Brick Rancher Meticulously Maintained w/ 3 BRs and 2.5 Full BAs. Open Kitchen w/ sep dining rm! Enjoy nature while relaxing in sunrm! Full Bsmt w/ plenty of storage! Premium Lot backing to trees! Perfect for horses, farming, nature walks, etc.! Shed/Stable/Garage for extra necessities/animals! Must See! 1024 Kasinof Ave. WA10010767 • $165,000 Well-maintained property centrally located with easy access to I81 & I70. Real hardwood floors, lg unfinished bsmt plumbed for easy conversion to a finished basement. The windows and doors have been professionally tented to reduce glare and increase efficiency. Spacious lot that backs up to wooded property.

CONVENIENT LOCATION

cynthia@sullivanselectllc.com

Top 10 Real Estate Agents in Maryland 2015-2016-2017

As Published by American Institute of Real Estate Professionals

When it comes to real estate,

NEAR CITY PARK

Great opportunity to live near Hagerstown City Park! Traditional brick home is in need of a little TLC. Has 3 BRs, 1 full bath, eat in kitchen and huge dining room. A 1/2 bath already started for you on the main level and the concrete patio with private backyard and mature landscaping provide serenity right at home. Separate garage with off street parking. Sold As-Is.

SELECT the BEST!

• Years of experience as a National Award Winning top producer • Superior Marketing Strategies • Proven Success System with hundreds of millions settled!

520 Brown Avenue WA10047327 • $135,000

INVESTMENT POTENTIAL!

1134 Potomac Avenue WA9970782 SLASHED $199,900 $179,900 Stately all brick 3 BR, 2 full & 2 half bath 2400+ sq ft Colonial on maturely landscaped lot, convenient North End location. Wood floors thru-out, gas fireplace in large living room, updated kitchen & baths and 2-car garage. Master suite features walk-in closet, Jacuzzi tub & separate shower. Great investment! Currently rented with 2 year lease.


CYNTHIA’S HOT PROPERTIES! OVERLOOKS 17TH TEE FOUNTAINHEAD

13018 Hawkins Circle WA10152215 • $339,900 Gorgeous Spacious Villa in Great Location! Everything you could desire with gourmet kitchen, double sided fireplace, hardwoods throughout main level. 3 BR, 3 BA with 2 BR, 1 BA on main and additional BR with HUGE walk-in closet and full bath on walkout lower level. Oversized attached 2 car garage. Backs to trees, so private, yet walk to shopping! Must see!

NEW LISTING!

NEW LISTING!

12904 Woodburn Dr. • WA10095772 Price Upon Request Builder’s own masterpiece overlooking 17th tee of Donald Ross golf course. Over 6000 sq ft of luxury w/ every upgrade imaginable! Attention to every detail from fabulous pub room to incredible atrium overlooking nature’s best! Updated gourmet kitchen, private courtyard, wine cellar, hardwoods, built-ins, 3 fireplaces, well for irrigation & other ultra posh amenities are a few of the spectacular features of this 6 BR, 4-1/2 BA home!

Shimpstown Rd., Mercersburg FL10140115 • $265,000 15 Acres with Million Dollar Views, just 5 minutes from Whitetail Ski & Golf Resort! Secluded, gently rolling land, with beautiful views of mountains & valleys. Perc test & approved for three 5-acre bldg lots. Just 90 minutes from DC & Baltimore.

PRIVATE LOT

OVERSIZED LOT!

WILLIAMSPORT SCHOOLS

13836 Exeter Ct. • WA10042106 SLASHED $497,000 $484,000 Quality Built Colonial on a Gorgeous, Private lot at the end of a cul-de-sac. Less than $75 per sq ft - a great value! Home Boasts Grand, Two Story Foyer, 6 BRs, 4.5 baths, Gourmet Kitchen w/ Morning Rm, Cozy Gas FP in living rm, Main level Master suite w/sitting area & 2 walk in closets. Walkout, Finished Basement w/ 2nd kitchen! Enjoy new deck (in 2016) & large yard w/ a firepit, patio & pond! 13221 Glendale Dr.•WA10122249 SLASHED $459,900 $399,900 Fantastic contemporary on an oversized lot on a cul-de-sac in Fountainhead. Totally remodeled top to bottom, state-ofthe-art kitchen, 4 BR, 3-1/2 BA with new master bath and other bathrooms remodeled. Vaulted ceilings, fireplace, finished lower level and much more! Also available to lease at $2500/mo. Call Cynthia to see! 10712 Lynn Ct., Williamsport WA10045395 • $239,000 $230,000 4 BR, 2 BA Split Foyer, includes Master w/ hdwd, crown molding, 2 closets. Sep DR w/ new sliding door to deck, leads to fenced back yard. Kitchen has SS appliances, Corian counters, garbage disposal, Kohler faucets & pantry (could be eat-in area). Lots of closets/storage. Walk out bsmt includes rec room w/ carpet & gas FP, utility closet. Hot tub stays (as is).

Cynthia Moler Sullivan Assoc. Broker, ABR, GRI

Office: 301-745-5500 Cell: 301-988-5115 cynthia@sullivanselectllc.com

Top 10 Real Estate Agents in Maryland 2015-2016-2017

As Published by American Institute of Real Estate Professionals

When it comes to real estate,

SELECT the BEST!

• Years of experience as a National Award Winning top producer • Superior Marketing Strategies • Proven Success System with hundreds of millions settled!


CUSTOM BUILT!

22200 Troy Lane • WA10096786 • $589,900 Perfection Abounds in this fabulous custom built all brick colonial on 2+ acres! Everything your heart desires including custom kitchen with Hess cabinets & cozy hearth room, huge master suite on main level with large master bath & walk-in closet, formal two-story Living Room with fireplace upstairs bedrooms with private baths, all on beautiful lot overlooking mountains. 3 finished levels with attention to every detail make this property a rare find!

Cynthia Moler Sullivan

MANY UPGRADES!

Assoc. Broker, ABR, GRI

9008 Cynthia Ct. • WA10109132 • $699,900 Gorgeous Colonial on 1.75 acre lot on quiet cul-de-sac in community close to I-70. Many upgrades, grand entrance w/ curved staircase, state-of-the-art kitchen, sunroom, 4 BRs, 3 full & 2 half BAs, family room w/ gas FP, hardwood & tile on main level, walkout level bsmt, & 3 car garage. Extensive landscaping w/ 4-season interest & hardscape w/ outdoor built-in FP. Beautiful setting w/ East-West exposure for gorgeous sunrises and sunsets. The list goes on!

Office: 301-745-5500 Cell: 301-988-5115

HAGERSTOWN’S FINEST!

cynthia@sullivanselectllc.com

Top 10 Real Estate Agents in Maryland 2015-2016-2017

As Published by American Institute of Real Estate Professionals

When it comes to real estate,

SELECT the BEST!

• Years of experience as a National Award Winning top producer • Superior Marketing Strategies • Proven Success System with hundreds of millions settled!

12906 Lance Circle • WA10151799 • $1,999,000 Custom Mansion in quiet cul de sac with all the bells & whistles! Over 10,000 sq. ft. w/ 10-1/2 BA, 9 BR, 7 car garage on double private lot. Outdoor covered patio, In-ground pool w/ pool house. State of the art Pub room w/wine cellar & attached Theater room, 2 in-law suites, 4 floor elevator w/garage access. Numerous Top Line Amenities! Qualified Buyers Only. Call Cynthia 301-988-5115!

MUST SEE!

26 Grove Creek Circle, Smithburg • $479,900 Beautiful 5 BR, 3.5 BA Custom Built Brick Colonial on 1.42 acres with Magnificent Views backing up to Smithsburg schools!! Custom cabinetry throughout! Gourmet kitchen w/Sub zero refrigerator/ freezer, granite counters. Remodeled luxurious Master BR & Master Bath, Three fireplaces! Too many amenities to list. This place has it all! Must see to appreciate! Call Cynthia 301-988-5115!

Mid Feb 2018 Welcome Homes Pen Mar  

Full Color Real Estate Guide serving tristate area including Franklin Co., PA and surroundings; Washington & Frederick Co., MD; Eastern Panh...

Mid Feb 2018 Welcome Homes Pen Mar  

Full Color Real Estate Guide serving tristate area including Franklin Co., PA and surroundings; Washington & Frederick Co., MD; Eastern Panh...

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