35222 Seaport Loop, Lewes, De 19958 | $459,000

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Property Details

Beautifully upgrade single level living opportunity in desirable Bay Crossing, a 55+ community. Exquisite 4 bedroom, 3 bath home boasts upgraded kitchen cabinets, granite counters, appliances, and a professionally tiled backslash. Imported wood-look
  • MLS Number: 724694
  • Status: Active
  • Price: $459,000
  • Property Type:
  • Area: Lewes And Rehoboth Hundred
  • Community: Bay Crossing
  • School District: Cape Henlopen
  • Square Footage: 4,237
  • Year Built: 2014
  • Bedrooms: 4
  • Full Bathrooms: 3
  • Number of Stories: 1
  • New Construction: No
  • County Taxes: $1,512
  • Association Fee: $3,200
  • Furnished: No
  • Lot Square Feet: 7,841
  • Lot Size Acres: 0.18
  • Lot Description: Landscaped
  • Water: Public Central Water
  • Sewer: Public Central Sewer
  • Community Amenities: 55+ Community, Bocce Court, Community Center, Fitness Center, Game Room, Lawn Care, Pool-Outdoor, Sidewalks, Tennis - Outdoor

Interior Features

  • Kitchen: Breakfast Bar, Countertops - Granite, Eat In, Kitchen/Family Room Combo, Pantry
  • Fireplace: Gas
  • Heating: Forced Air, Gas - Natural
  • Cooling: Central A/C
  • Flooring: Carpet, Slate, Tile
  • Basement: Basement - Full
  • Attic: Access Only
  • Security: Monitored System, Security System
  • Appliances: Dehumidifier, Dishwasher, Dryer-Electric, Fridge w/Ice Maker, Garage Door Opener, Instant Hot Water, Microwave, Oven/Range Gas, Range Hood, Refrigerator, Washer, Water Filtration Unit, Water Heater Gas, Water Heater Tankless
  • Interior Features: Bedroom-Entry Level, Cable TV Prewired, Ceiling Fan(s), Fireplace-Gas, Insulated Door(s), Insulated Window(s), Insulation, MBED-Full Bath, MBED-Separate Shower and Tub, Screen(s), Storm Door(s), Walk-In Closets, Window Treatments

Exterior Features

  • Style: Rancher/Rambler
  • Construction Type: Stick/Frame
  • Exterior Type: Stone, Vinyl Siding
  • Roofing: Architectural Shingle
  • Foundation: Poured Concrete
  • Garage: Attached
  • Garage Size: 2
  • Parking: Garage, Garage Door Opener
  • Porch/Deck/Patio: Patio - Rear, Porch - Enclosed, Porch - Front, Three Season Room
  • Exterior Features: Irrigation System

Listing Courtesy of COLDWELL BANKER RESORT REALTY - R

Earlier is Better for Securing an Ace Credit Score

Your credit score will have a major impact when it comes to the cost you wind up paying for a Lewes mortgage. A buyer with a high credit score of 750 or above will qualify for the most competitive interest rates available; but today’s tightened lending standards mean that some borrowers with scores under 600 may not qualify for a mortgage at all. And no matter what, a low credit score can mean paying an extra 3%-4% interest charge on every payment.

There is nothing permanent about a credit score. Lewes homebuyers who realize its importance—and who take early steps to improve their own—can save literally thousands of dollars.

  1. You can’t improve your credit score until you know what you are working with. Your first step is to obtain your credit reports. They are available for free once a year from each of the three major reporting agencies: Equifax, Experian and TransUnion.
  2. The fastest way to improve your credit score is to correct any inaccuracies. Because this takes time – anywhere from 30 days to as long as six months, the earlier you begin the process, the better. To remove items that are incomplete or inaccurate, verify the correct information using the dispute procedure on the agency’s website. The creditor has 30 days in which to validate the debt; if the credit agency does not receive a response to your claim, they are required by law to remove the entry from your report. Remember that there are three major agencies, so an incorrect item may appear on all three— and all three need to be contacted.
  3. If you have an older credit card that you haven’t been using for a while, it’s a good idea not to cancel it; even to use it now and again, paying the balance in full. This will mean that the issuer keeps reporting information to the credit bureau, which can be valuable. A longer credit history improves your credit score.
  4. A low credit utilization ratio measures how much of your available credit you are using. In order to improve your credit score, keep your credit utilization ratio below 20%. One way to quickly improve a utilization score is to move credit card debt onto cards with higher limits. While this will not make a difference to the amount that you owe, it will alter individual cards’ credit utilization ratios.
  5. Consider a Personal Loan. If you have a family member or friend that you can borrow from, consider taking out a loan in order to pay down a portion of existing debt. By removing some of that debt, you can give your credit score a boost.
  6. Moving away from being measured as a poor credit risk has the biggest impact on whether a future mortgage is approved—and how much interest you wind up having to pay. Your credit score in Lewes really matters! If you would like an introduction to a mortgage broker to begin the conversation about the home loan your current credit score qualifies you for, contact me today.

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.

Tax Proposal Overture Could Affect the Delaware Audience

During the overture to the film version of The Sound of Music, before the hills come alive with Julie Andrews, the camera first flies us high above the Alpine peaks. Ever since its premiere in 1965, Delaware audiences have been thrilling to the feeling of being suspended over those mountaintops before ultimately swooping down as Fraulein Maria whirls around for her opening song. It’s a warm-up that works every time—one of the most crowd-pleasing exercises in applied movie magic ever.   

Right now, a dissimilar overture is tuning up in Washington. The cameras aren’t allowed to swoop down into the congressional conference rooms, and Rodgers and Hammerstein are nowhere in sight. Whatever your political views, it’s a possibility that when the first words are sung out, the sound won’t be the sound of music so much as the sound of Delaware homeowners howling in dismay. At least that’s what the National Association of Realtors® is trying to prevent.

The current state of affairs are, as is inevitable, shrouded in mystery. That isn’t because of Congressional skullduggery so much as necessity: while you’re putting together tax changes, if you publicize every separate provision before the whole package is formulated, the whole thing won’t ever get to be formulated. But the original starting provisions are on the record.

What the NAR is not objecting to is one provision that Delaware homeowners will be happy to hear: nobody is suggesting that the tax deduction for mortgage interest payments be eliminated, or even scaled back. It’s going to be retained in its entirety. As one of the financial plusses that encourages homeownership by making buying and selling more affordable, it’s certain to be part of any tax reform package.

The main proposal that has raised the real estate industry’s ire is one that would eliminate state and local tax deductions. That could include Delaware real estate taxes, resulting in what amounts to double taxation. Since U.S. homeowners already pay between 80%-90% of federal income taxes, the NAR is crying “foul.” 

They aren’t alone. The New York Times cites a “raft of organizations”—including the National Governors Association, U.S. Conference of Mayors, and the National Conference of State Legislatures—which have united to denounced the measure.

At any rate, it’s going to take a while before the Hill is Alive with the sound of anything that’s nailed down for certain. I’ll keep an ear out, and let you know. In the meantime, as the busy Delaware spring selling season heads into what looks to be an equally lively summer, I’ll be by the phone, ready to answer your real estate queries! Call/Text me Russell Stucki at (302) 228-7871, email me at russellstucki@remax.net, visit more listings at www.beachrealestatemarket.com