105 S BayShore, Milton, De 19968 | $499,000

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Property Details

Can’t decide between a beach house or a home in the mountains? If you have always dreamed of a UNIQUE home at the beach this is it! This distinctive Lindal Cedar post home features views of the bay and PrimeHook wildlife refuge. 3 bedrooms, 2 full
  • MLS Number: 728276
  • Status: Active
  • Price: $499,000
  • Property Type:
  • Area: Broadkill Hundred
  • Community: Broadkill Beach
  • School District: Cape Henlopen
  • Square Footage: 2,200
  • Year Built: 1998
  • Bedrooms: 3
  • Full Bathrooms: 2
  • Number of Stories: 3
  • New Construction: No
  • County Taxes: $786
  • Dock Type: Other See Remarks
  • Furnished: No
  • Lot Square Feet: 4,792
  • Lot Size Acres: 0.11
  • Lot Description: Zero Lot Line
  • Water: Public Central Water
  • Sewer: Mound Septic
  • Community Amenities: Beach

Interior Features

  • Kitchen: Breakfast Bar, Countertops - Granite, Kitchen/Dining Room Combo
  • Fireplace: Gas
  • Heating: Heat Pump(s)
  • Cooling: Central A/C, Heat Pump(s)
  • Flooring: Hardwood, Tile, Vinyl
  • Attic: Access Only
  • Appliances: Cable TV Pre Wired, Dishwasher, Oven/Range Electric, Refrigerator, Washer, Water Heater Electric
  • Interior Features: Bedroom-Entry Level, Cable TV Prewired, Ceiling Fan(s), Vaulted Ceilings, Walk-In Closets

Exterior Features

  • Style: Cabin/Bungalow,Coastal
  • Construction Type: Post & Beam
  • Exterior Type: Cedar Siding
  • Roofing: Architectural Shingle
  • Foundation: Pilings
  • Parking: Driveway/Off Street
  • Porch/Deck/Patio: Deck - Front, Deck - Rear
  • Exterior Features: Storage Shed/Outbuilding

Listing Courtesy of RE/MAX REALTY GROUP REHOBOTH

Ending Ocean View Mortgage Turndowns via Credit Report Action

For anyone who has looked into to buying a Ocean View home several times—but kept getting discouraged every time because of a negative credit report—read on!

You probably already know that you are not alone—but so what?—it’s small consolation, especially when you consider how much financial ground you lose every year you continue to pay rent (the entire amount of which has zero tax deductibility). Many people mishandle credit in their teens and 20s, not knowing how it can come back to bite them when credit reports determine their credit worthiness. In Ocean View, we see the fallout in the form of mortgage application turndowns or discouraging interest rate proposals.

But that just makes it all the more important that you stop letting past errors continue to keep you from getting the loans and rates you want. You can choose to take action now to clean up that credit score. Not only will it speed the moment when you become eligible for the significant benefits of home ownership—the actions you take now will serve to set you in the driver seat when it comes to credit management. You will become aware of any apparently minor oversights that can depress your credit score for years to come. It will put you ‘in the game’ of credit report management, instead of continuing to be a passive outsider.

Steps Ocean View consumers can take now:

Review your credit file for accurate information

The credit reporting bureaus’ job is to report the most accurate information possible, but in the past the Federal Trade Commission has found that 5% of reports have at least one mistake. Get your current credit report from any number of services (start with a free one: you can always subscribe to a paid service later). Check all the accounts and verify that the amounts reported and the account statuses are correct. If a creditor reported your information incorrectly, file a dispute through the credit bureaus’ online sites to get the inaccuracy fixed. The same FTC report says that 13% of consumers who reported an error saw a boost in their credit score.

Get old negative accounts removed

Credit reports carry negative information like missed payments or a collection account for seven years, but are required to delete it after that. If an account is lingering past the seven year mark, use the dispute tools available on credit bureaus’ websites to mark the account as too old for reporting. Note that the seven-year time period is calculated from the date of first delinquency, not the date the account was first opened.

Talk to collection companies about their input

Even when you pay off collection accounts, that history continues to hurt your credit score. Some lenders look solely at those details when starting the process, so even paid collections can disqualify you for a loan. Instead of dealing with this frustrating problem, while you are negotiating with collection agencies to pay off a debt, ask that they put in writing that they will remove their report as part of their part of the bargain for your satisfaction of the debt. Some agencies will and some won’t (but it can’t hurt to ask).

Once you have acted, and begun to see the negatives dropping off your current credit report, your path to local home ownership will open up markedly. Then it’s time to give me a call!

Sussex County Real Estate Reflected Overall 2013 Up Trends

It’s time for Sussex County real estate observer to tackle the New Year’s roundup of the Year in Real Estate (along with the traditional disclaimer that, since the actual statistics won’t be tallied until 2014, this has to be a lot more sizzle than steak!) But this is one time in the year when we local residents get to take pause to relax, perhaps put a bottle of bubbly in the fridge for later on, and take a sweeping view of the general direction of things across the land.

If you’ve been reading here throughout the year, you already know that 2013 Sussex County real estate activity might easily justify chilling a superior vintage champagne: it’s been a pretty darn good year! A smattering of last week’s press reports confirms it:

  • From the East Coast to Oahu (where there was a “1 in 3 chance” that if you sold a house, it was for more than the asking price), reports were of steadily rising prices.
  • The Business Insider reported that the Big Apple “managed to shatter several real estate records in 2013.” One of the records was a tidy listing for a modest little 62,000 sq. ft. private coop residence. Sure, $130 million may sound a little steep to us here in Sussex County, but that might be because so few of our digs have 82-foot swimming pools or tennis courts…at least not indoors, inside our five-story apartment atop a skyscraper.
  • More down to earth might be NAR’s assessment that “Housing prices rose faster than expected” — with a lot of credit given to the fact that “affordability remained high.”
  • Another factor: “More first-time buyers” were entering the market due to “rising rents and pent-up demand.”
  • Following suit, the Dallas News was touting a local home market that “came roaring back in 2013;” one that had “builders rushing to keep up with demand for new houses.”
  • The Realtor® web awarded credit for the strong real estate year to “Low mortgage rates, all-cash buyers, and tight inventories” that sustained the housing market recovery. Our Sussex County real estate saw much of the same.  
  • There was one notably bleak spot: “ACT real estate hit hard by election” the Times reported. “Uncertainty” about election politics had created “subdued performance during the year” and some “negative house price growth.” The best news: this was the Canberra Times – and the country was Australia!

So let’s wish those Down Under a quick turnaround; then, after a relaxing day watching the Rose Parade and a bowl game or two, let’s get ready to charge into an equally dynamic 2014.

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.