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23157 HUFF RD, Milton, Delaware 19968 | $249,000

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Nature Lovers Dream. Great Quiet Secluded Rancher on 1.5 Acre Partially Wooded Parcel.Open Floor Plan w/2.5 Car Garage,Mud Room,Outdoor Patio,Screened In Porch,Selected Custom Features Throughout.Centrally Located Between Milton & Georgetown w/Short Drive to Shopping & All Beaches.Well & Septic.

Property Details

  • MLS Number: 609545
  • Status: Active
  • Price: $249,000
  • Property Type: Single Family Home
  • Area: Broadkill Hundred
  • School District: Cape Henlopen
  • Square Footage: 1,700
  • Year Built: 2001
  • Bedrooms: 3
  • Full Bathrooms: 2
  • Number of Stories: 1
  • New Construction: N
  • County Taxes: $830
  • Furnished: N
  • Lot Size Acres: 1.50
  • Lot Description: Irregular Shape, Partially Wooded
  • Water: Well
  • Sewer: LPP Septic
  • Last-modified:
23157 HUFF RD, Milton, DE
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Interior Features

  • Kitchen: Breakfast Bar, Kitchen/Family Room Combo, Pantry
  • Heating: Forced Air, Gas
  • Cooling: Central A/C, Whole House Fan
  • Flooring: Carpet, Vinyl
  • Basement: Crawl Space,Sump Pump
  • Attic: Other See Remarks
  • Appliances: Dishwasher, Dryer, Exhaust Fan, Fridge w/Ice Maker, Oven-Self Cleaning, Oven/Range Gas, Range Hood, Washer, Water Heater-Gas
  • Interior Features: Bedroom-First Floor, Cable TV Prewired, Ceiling Fan(s), Insulated Door(s), Insulated Window(s), Insulation, MBED-Full Bath, MBED-Separate Shower, MBED-Separate Tub, Pull-Down Attic Stairs, Walk-In Closets
  • Other Rooms: Great Room, Laundry/Utility Rm 1st Fl, Mud Room

Exterior Features

  • Style: Contemporary,Rancher/Rambler
  • Construction Type: Stick/Frame
  • Exterior Type: Vinyl Siding
  • Roofing: Asphalt Shingle
  • Foundation: Concrete Block
  • Garage: Attached
  • Garage Size: 2
  • Parking: Driveway/Off Street, Garage
  • Porch/Deck/Patio: Patio(s), Rear, Screened
  • Exterior Features: Irrigation System, Storage Shed/Outbuilding

Listing Courtesy of RE/MAX REALTY GROUP REHOBOTH

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A Sussex County Foreclosure Is Often Less Than Inevitable

Even though national foreclosure rates have continued to drop, the threat of becoming another Sussex County foreclosure statistic is still very real for some homeowners. It’s at least somewhat reassuring to understand that most banks don’t really want a foreclosure — so for homeowners who take an early proactive approach with their lender, losing their home does not have to be inevitable.

Mortgage Restructuring

For anyone who has fallen behind on payments, Job One is to discuss the situation with your banker. If a mortgage restructuring is possible, you may have an opportunity to refinance at a lower rate with more manageable payment amounts. In some cases, it may be possible to alter other terms of your agreement — for example; you might arrange to postpone any delinquent payments to the end of the loan’s term. You have to ask.

Payment Deferral Options

If payment failure has been caused by losing a job, a medical condition one of the other more common causes, some banks will work out payment deferral options. If you have prepared documentation to back up your hardship claim, it is more likely that the lender will be able to offer an agreement to defer your payments while you get back on track. 

Short Sale

If the financial situation is such that you know you can no longer sustain regular payments, it may be best to consider a short sale — the option where the bank agrees to accept sale to a third party for a sum that falls short of the loan’s balance. It means loss of the property, but results in a better credit history than does a Sussex County foreclosure.

A foreclosure in Sussex County becomes inevitable if the reality of a tough financial situation isn’t recognized and addressed. If you take positive steps once you realize you are going to miss a payment, you put yourself in the best position to open options that are less problematic than full foreclosure. If you find you could benefit from a strictly confidential price evaluation on your home, call me ­— sometimes a property can be worth more than you think!  

Savvy shoppers and sellers; don’t sit on the sidelines, call/text 302-228-7871 or email me, Russell Stucki, REALTOR® of Beach Real Estate Market to provide detailed information on Delaware homes for sale, investment and commercial properties, luxury and  waterfront homes, condos/townhomes, new construction, lots and land, farms and equestrian properties located in but not limited to Bethany, Bethel, Bridgeville, Dagsboro, Delmar, Ellendale, Fenwick Island, Frankford, Georgetown, Greenwood, Harbeson, Laurel, Lewes, Lincoln, Milford, Millsboro, Millville, Milton, Ocean View, Rehoboth Beach, Seaford, Selbyville, Delaware.

Sussex County Seller Financing: a Powerful Inducement

The recent Mortgage Credit Availability Index shows a slight relaxation in lending standards — but as most Delaware home buyers and sellers will agree, getting a mortgage is still difficult. With mortgage availability benchmarked at 100, although it’s currently at  111 ½, compared with the 800 it stood at in 2007, today’s is still a tough environment.

That’s why Delaware seller financing is being considered by more homeowners. When a home is owned outright, seller financing can draw a higher selling price (with future interest payments as a bonus). But before making such an offer, Delaware homeowners need to consider all of the ramifications: there is more involved than just the assumption of added risk.

Of course, ordering and examining a buyer’s credit report is the starting point. If the story it tells needs too many explanations, it’s time to walk away. Foreclosing on a seller-financed home can be more difficult than through a traditional foreclosure —particularly if the financing documents are substandard.

At first blush, seller financing might seem to simplify the whole transaction, but in fact some details usually handled by a bank must be hammered out:

  • Who will pay for the appraisal; who for the inspection?
  • Who is going to be responsible for property taxes and upkeep?
  • Will the deed be transferred to the buyer right away, or only after the home is paid off? 

Those issues point out why a “handshake deal” can’t be recommended for a Delaware seller financing arrangement. Just consider the last two points: if the deed hasn’t been transferred and taxes are in arrears, whose credit is harmed?

A good attorney will draft an agreement that nails down responsibilities and penalties for a buyer default as well as a detailed payment structure. A well-drafted seller financing agreement protects both parties by preventing misunderstandings and providing an unambiguous inducement for good behavior.

Given the right buyer, clear communicating and a framework cemented by the proper paperwork, Delaware seller financing can provide the missing element that makes a sale possible. If you will be listing your own Delaware home, give me a call /text 302-228-7871 or email me, Russell Stucki, REALTOR® of Beach Real Estate Market to provide detailed information on Delaware homes for sale, investment and commercial properties, luxury and  waterfront homes, condos/townhomes, new construction, lots and land, farms and equestrian properties located in but not limited to Bethany, Bethel, Bridgeville, Dagsboro, Delmar, Ellendale, Fenwick Island, Frankford, Georgetown, Greenwood, Harbeson, Laurel, Lewes, Lincoln, Milford, Millsboro, Millville, Milton, Ocean View, Rehoboth Beach, Seaford, Selbyville, Delaware.