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Margaret Woda, Maryland REALTOR

Choosing an Active Adult Community in Piney Orchard

Whether you're relocating to Anne Arundel County for a second career, or trading in your current home for an "active adult" lifestyle,  you have many nearby options. 

You'll find that Anne Arundel County Rolls out the Red Carpet for Active Adults, and there is no shortage of options.  To help narrow down the list and focus on the communities that are right for you, I suggest these five steps:

1.  Select a location or area to focus your search.  What do you want to be near?  Work... friends or family... shopping?

2.  Make a list of your "wants" - the features and amenities you would have in your next home and community if price were no object.  For example, how many bedrooms and baths?  Fireplace?  Garage?  Community facilities and activities? 

3.  Separate your "needs" from your "wants" by identifying the features and amenities you can't live without.  Focus on "needs" first!   Ask yourself, could you live without a third bedroom or fireplace?  How important is a community fitness center and pool?

4.  Determine your price range based on cash investment up front, monthly mortgage payment, and community fees.  Do you plan to sell your home or cash in some investments?  What's included in the community fee(s)?

5.  What will you do about your current home?  Sell it, keep it as an investment to rent out, live in it part time (if you're a "snowbird," for example). 

Since I recently listed a beautiful 3-bedroom penthouse condo in the active adult community of Cedar Ridge at Piney Orchard, you can look forward to a future blog with all the details about it.  In the meantime, here's a 30-second video about the community:

Urgent - If You Own Property in Anne Arundel County Maryland -

I just learned about a hearing that's going on right now before Anne Arundel County Council in Annapolis. Even if these bills don't affect you directly, they do affect you indirectly if you own property here.

Bill 66-08 chips away at private property ownership rights in this county, and your property could be next! It takes 50 feet off EVERY property that backs to a park or trail - without any compensation.

Bill 71-08 is a HUGE increase in Impact Fees - those are the fees that builders, developers, (their buyers... maybe you...) and homeowners building an addition to their home pay for County infrastructure improvements. In a down market, when home sellers and owners, plus the entire construction industry in this county, are suffering financially, this is no time to impose new fees.

County residents should contact the office of their council member:

Cathleen M. Vitale - District 5 (Chairman)
Assistant - Diane Jennings
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: cvitale@aacounty.org
Email: d.jennings@aacounty.org

Edward R. Reilly - District 7 (Vice Chairman)
Assistant - Joyce Maloney
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: ereilly@aacounty.org
Email: jmaloney@aacounty.org

Daryl Jones - District 1
Assistant - Linda Harris
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: daryl.jones@aacounty.org
Email: linda.harris@aacounty.org

C. Edward Middlebrooks - District 2
Assistant - Rose Brooks
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: emiddlebrooks@aacounty.org
Email: rbrooks@aacounty.org

Ronald C. Dillon - District 3
Assistant - Beth Jones
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: rdillon@aacounty.org
Email: beth.jones@aacounty.org

James Benoit - District 4
Assistant - Veronica Jagoe
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: james.benoit@aacounty.org
Email: veronica.jagoe@aacounty.org

Joshua J. Cohen - District 6
Assistant - Gail Smith
44 Calvert Street, 1st Floor
Annapolis, MD 21401
(410) 222-1401
Email: joshua.cohen@aacounty.org
Email: gail.smith@aacounty.org

Please do this tonight or tomorrow. Let your council member know you oppose both of these bills which negatively impact Anne Arundel County private property rights and property values. It's important!

3 Simple Steps to Owning a Home in Anne Arundel County, Maryland (LOCALISM FEATURED)

Included in Your Online Relocation Package for Anne Arundel County, Maryland - Home of Fort George G. Meade, NSA, Northrop Grumman, BWI, and the U.S. Naval Academy.

Buying a Crofton home

ATTENTION HOME BUYERS!

No need for you to worry about the countless details involved in finding and buying a home in Anne Arundel County, Maryland - It's MY job to handle them on your behalf.

Yet I know you have questions about what to expect, so I created this handy reference guide for you.

When you work with me, the home-buying process boils down to these 3 simple steps:

1. Pre-Purchase Consulting
2. Shopping for your Home
3. Buying your Home.

Are you ready to get started?

1. PRE-PURCHASE CONSULTING

Before we actually go out to look at homes, we'll invest some time together so you feel confident about the entire home-purchase process and your choice of me as your REALTOR®.

  • You'll share with me some information about what you're looking for in a home, your hobbies and special interests, your concerns about location, transportation, schools, etc. You'll tell me what you do and don't like about your current home, and show me photos of homes that catch your eye. Together, we'll identify your "wants" and "needs".
  • You'll share with me some details about your financial situation, including your income, debts, and cash on-hand. You'll tell me what amount you expect to spend on a monthly mortgage payment, and how much cash you wish to invest "up-front". Together we'll determine the price-range of your next home.
  • I'll explain financing options that suit your situation. Together, we'll choose a local lender so you can make application right away.
  • I'll provide information about real estate customs and laws, including penalties for non-compliance. Together, we'll review brochures such as "What Everyone Should Know About Equal Opportunity in Housing" and standard disclosure forms.
  • I'll explain the relationships between home buyers, sellers and agents.

2. SHOPPING FOR YOUR HOME

Now that you've decided what you're looking for and what you can afford in a home, we can get started.

  • Using the Metropolitan Regional Information Services (MRIS®) database and other sources, I'll research homes that are currently available for sale. Together, we'll choose homes that meet your requirements.
  • I'll make appointments for us to inspect the selected homes at a convenient time, and I'll point out their assets and drawbacks as we go through them.
  • When you see a home you like, I'll estimate your closing costs and monthly payment.
  • I'll conduct the necessary research to determine answers to your questions about the homes and communities we inspect, and provide them to you in a timely manner.
  • If none of the homes we inspect satisfy your requirements, we'll discuss options such as adjusting your "wants" and "needs" or simply waiting for other homes to come on the market. And we'll begin this step again another day-as many times as it takes to find you the right home.

3. BUYING YOUR HOME

When you choose a home, I'll represent your best interests in negotiations and follow-up.

  • Using standard forms, I'll prepare a Contract of Sale and all related paperwork on your behalf, and explain your rights and obligations to you. (However, keep in mind that I'm not an attorney, and my explanations are not a "legal opinion")
  • I'll advocate strongly for you with the property owner and the owner's agent, and help you evaluate any counter-offer.
  • After you and the property owner reach agreement and initial any changes to the Contract of Sale, I'll assist you in selecting a settlement attorney and home inspectors.
  • I'll accompany you to the home inspection and pre-settlement inspection, and notify the property owner of any discrepancies.
  • I'll follow-up with the property owner, lender, appraiser, surveyor, settlement company, inspector and others to assure that all contract conditions and all deadlines are satisfied.
  • In the meantime, there are some things you need to do: Contact your insurance agent to make arrangements for a hazard insurance policy, confirm that you have provided all requested documentation to your lender, notify all utility companies, and obtain a certified or cashier's check in the amount estimated by your lender.
  • I'll accompany you to settlement, review the settlement sheet, and advocate strongly for you if there are any disagreements. Then, I'll proudly hand you the keys to your next home.

Whether you're relocating around the world or just moving across town, I'll handle the details so you don't have to. I consider it a privilege to help you through each of these steps so together we can create a real estate success story for you and your family!

PHOTO: Istockphoto.com
VIDEO: MWoda

3 Simple Steps to Owning a Home in Anne Arundel County, Maryland
Copyright 2008. Margaret Woda. All rights reserved.

Anne Arundel County Church Picnic - Mark Your Calendar


Elks Camp Barrett, in Crownsville, wil be the site for this year's Parish picnic on September 7.

Be sure to mark your calendar if you're a parishioner at Holy Family in Davidsonville, Our Lady of Perpetual Help in Edgewater, or Our Lady of Sorrows in West River.

Mass begins at 11:30, followed by fun for the whole family including the camp's pool, playground, swings, basketball, volleyball, and more.

PHOTO: Istockphoto

Detour to Crofton - Kentucky, not Maryland

Thinking of relocating to Crofton Maryland? Don't get it confused with Crofton Kentucky, because there's a world of difference!

En route home from Texas last week, my husband and I decided to take a 160-mile detour off our route across Kentucky to visit another Crofton, one of three in the United States (Kentucky, Maryland and Nebraska). Unfortunately, we didn't get there 'til nearly dusk so our photos aren't the greatest, but you'll see Crofton Kentucky and Crofton Maryland have very little in common.

Crofton Kentucky

Crofton Maryland

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There's very much of a rural small-town feel to Crofton Kentucky, with a single blinking stop-light. And yet, there are 14 places of worship.

In Crofton Maryland, as you drive into the community you see the Village Green with its shops and professional offices, Crofton Country Club with its large clubhouse, Olympic-size pool and championship golf course that winds through the community, and two of the community's five places of worship - all within a block.

Crofton KentuckyCrofton Baptist Church

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Crofton Diner is located on Main Street in Crofton Kentucky, one of six dining out options listed on the town's website. A pretty impressive number, I think, for a population that numbered under 1000 people in the 2000 census.

Crofton Maryland's population, by contrast, was over 20,000 in the same census. Sly Horse Tavern, located on Crofton Maryland's Village Green, is one of our dining out options.

Crofton Diner

Sly Horse Tavern in Crofton

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Crofton Kentucky does not have a library, but it has a Post Office and Fire House in the downtown area. There are two schools, Crofton Elementary and Crofton Amish Parochial School.

In Crofton Maryland, we too have a Post Office - plus 3 elementary schools and a middle school. Pictured here is the Crofton (Maryland) Library.

Crofton Kentucky post office

Crofton Library (Maryland)

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Other interesting facts:

  • Crofton Kentucky covers an area that is only .6 sq. miles, whereas Crofton Maryland is 5 sq. miles.
  • Income in Crofton Kentucky averages $25,625; in Crofton Maryland, it is $75,046.
  • Average age in Crofton Kentucky is 37; it is 35 in Crofton Maryland.
  • Crofton Kentucky's average family size is 2.37; in Crofton Maryland, it's 2.69.

What about leisure time, you may ask.

squirrelThe only references to leisure time in Crofton Kentucky on the town's website are a link to Gordon Park - featuring tennis courts, a driving range, picnic pavilions, basketball court and an air-conditioned building - and a link to the announcement about squirrel hunting season, including a place for residents to post photos of their catches.

In case you're interested, the season opens this weekend, August 16, and runs through February 28, except November 8 and 9. (???) There is a daily limit of 6, with a possession limit of 12. The announcement includes a reminder to request permission before hunting on someone else's land and a reminder to always treat a gun as if it were loaded.

There are plenty of squirrels on Crofton Maryland's two golf courses, but no hunting allowed! In addition to golf, there is swimming, fishing, and tennis, as well as several parks and athletic fields. Commercial recreational opportunities include Skate Zone, Capital Raceway, and Crofton Go-Cart Raceway.

Not to mention we're less than a half hour from the Chesapeake Bay and its numerous tributaries for boating, fishing and beaching.

Obviously, I'm partial to Crofton Maryland - that's where I live and work. Yet I'm sure most Crofton Kentucky residents wouldn't trade their town or lifestyle for ours. The world would be a very boring place if we all liked the same things, and if every community and person looked alike.

That being said... I hope you enjoyed this little detour. It was probably the highlight of our drive home to Crofton, Maryland.

If you're curious about Crofton Real Estate - Crofton Kentucky AND Crofton Maryland - be sure to visit www.FocusOnCrofton.com tomorrow, August 15, when I'll show a comparison of what you can buy for $280,000 in the two Croftons.

PHOTOS: Squirrel by Istockphoto; all others by MWoda

Detour to Crofton - Kentucky, not Maryland
Copyright 2008. Margaret Woda. All rights reserved.