23307 Carriage Spring, Milton, De 19968 | $379,000

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Property Details

This young residence has had many extras added since being built in this small, quiet neighborhood just 3 1/2 miles south of downtown Milton. The upgrades include magnificent wood bookcases in the living room, kitchen tiles and backsplash, hot tub,
  • MLS Number: 723543
  • Status: Active
  • Price: $379,000
  • Property Type:
  • Area: Broadkill Hundred
  • Community: Estates At Carriage Springs
  • School District: Cape Henlopen
  • Square Footage: 1,998
  • Year Built: 2011
  • Bedrooms: 3
  • Full Bathrooms: 2
  • Number of Stories: 1
  • New Construction: No
  • County Taxes: $626
  • Association Fee: $700
  • Furnished: No
  • Lot Dimensions: 125x285
  • Lot Square Feet: 35,284
  • Lot Size Acres: 0.81
  • Lot Description: Corner, Irregular Shape, Landscaped
  • Water: Well
  • Sewer: Gravity Septic

Interior Features

  • Kitchen: Breakfast Bar, Countertops - Granite, Pantry
  • Heating: Heat Pump(s)
  • Cooling: Central A/C, Heat Pump(s)
  • Flooring: Hardwood, Tile
  • Basement: Crawl Space-Conditioned
  • Attic: Access Only
  • Appliances: Dishwasher, Fridge w/Ice Maker, Garage Door Opener, Instant Hot Water, Microwave, Oven/Range Gas, Oven-Self Cleaning, Range Hood, Washer/Dryer Hookup Only
  • Interior Features: Built In Bookcases, Cable TV Prewired, Ceiling Fan(s), Insulated Door(s), Insulated Window(s), MBED-Full Bath, Screen(s), Vaulted Ceilings, Walk-In Closets, Window Treatments

Exterior Features

  • Style: Rancher/Rambler
  • Construction Type: Stick/Frame
  • Exterior Type: Vinyl Siding
  • Roofing: Architectural Shingle
  • Foundation: Poured Concrete
  • Garage: Attached
  • Garage Size: 2
  • Parking: Garage, Garage Door Opener
  • Porch/Deck/Patio: Patio - Rear
  • Exterior Features: Hot Tub/Spa, Outside Shower, Satellite Dish, Storage Shed/Outbuilding

Listing Courtesy of JACK LINGO LEWES

Getting a Mortgage in Milton Means Weighing the Alternatives

A vital part of buying a Milton home is getting a Milton mortgage. But not all mortgages are the same. There are two general classes of mortgages; fixed rate mortgages keep the same interest rate for the full duration of the debt. The interest rates for adjustable-rate mortgages (ARMs) change every year after an initial period expires. You also choose the duration of the loan.

That’s the easy part. When it comes to choosing those details, coming up with the right option for your family can be a brain-twister (especially when you realize how big a difference different future scenarios might present). When you go about getting a Milton mortgage, you need to account consider the major factors -

· Affordability. Your budget for month-to-month payments is the largest single element to gauge when getting a mortgage in Milton. If you want to ensure lower monthly payments and minimize the risk of increases, tilt toward a longer-term fixed rate mortgage. If you can afford to risk a higher interest rate, a short-term ARM might be best.

· Future Rates. This can be a key issue when choosing between a fixed-rate mortgage and an ARM. If you suspect interest rates will decrease over time, you might tilt toward the ARM, since those mortgage payments will eventually decrease along with interest rates. If interest rates are headed up over the long haul, a fixed rate lets you to lock in today’s lower rates.

· Permanence. If you plan to live in your new home for just a short period, your choice for getting a mortgage may be less complicated. ARMs usually start out at a lower rate than do fixed-interest mortgages, and if you move before the adjustment period begins, you can take advantage of the lower initial rate and avoid the future possible payment increase.

Like all financial decisions, getting a mortgage in Milton should be carefully undertaken: always keeping in mind your long-term financial goals. I’m here to help clarify the many issues that enable my clients’ success: call me today if you are thinking about a move this spring!

Buying a Home: What About Flood Insurance?

It can be perplexing—and not least because it’s one of the least-discussed details you run into when buying a home. The issue is flood insurance, and it’s sometimes first brought to the fore when you are buying a home in Sussex County that you would not have thought was on a “flood plain.” If it is, it’s going to require flood insurance before the bank will sign off on a loan.

As we only see from time to time, devastating floods can strike when and where least expected: sometimes, in areas where that ruinous flooding is unprecedented. In 2005, when FEMA paid out over $17 billion in flood claims, it once again became clear why flood insurance is absolutely necessary. Here’s what you need to know about flood insurance if the home you are looking at is in a flood plain.

The Zone Matters

FEMA assigns different zones within a single flood plain. For example, homes that are located on the bank of a creek may be assigned to Zone A, (floods highly likely). Homes that are further away from a water source may be assigned to Zone Z, (lower risk). Naturally, Zone Z premiums are a good deal more affordable than premiums for Zone A. In fact, if your home is in a Z zone, you may even qualify for a special price break for two years before full premium goes into effect.

Figuring Out the Cost

Unlike car or home insurance, you won’t find a better rate on flood insurance by shopping around. The federal government sets flood premium rates based on factors like the zone, the home’s value, and the value of its contents. You may choose to insure the home only, but it’s seldom a good idea to leave contents without coverage. Any Sussex County insurance agent specializing in flood insurance will be able to assist you in determining the cost of the policy; they will also answer any questions you may have about the process.

Making Your Decision

Buying a Sussex County home that turns out to be on considered within a flood plain means factoring in some added insurance expense, and possibly even potential risk to your personal items. But when the house is right, and your heart is absolutely set on the property, it’s a dollars-and-cents calculation. I’m always at the ready to help my clients clarify this and all other the other details that go into buying a home in Sussex County.

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.