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2834 Venable Rd Kents Store VA 23084 | Central Virginia Country Property for Sal

Experience the best of country life in this beautifully-maintained country property with a picturesque pond! – We no longer have this property listed.

If you plan to settle in the country, this Central Virginia country property for sale is the perfect opportunity for you.

Perched on over 57 acres of scenic land, it has a gorgeous 3 bedroom, 1 bathroom log home, a large barn ready for your horses, cows, goats, and more, and a carport that can comfortably fit two cars.

Everything you need is on this Central VA farm, so make your move now.  Make it yours for ONLY $550,000.

Call me, Pam Dent, at (434) 960-0161 to schedule a showing.

Overview
Maps
Photos
Features
Description

Video
$550,000
Single Family Home
Main Features
MLS #: 580327
Location
2834 Venable Rd
Kents Store, VA 23084
USA

Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
pam@JumpintoGreenerPastures.com
https://www.jumpintogreenerpastures.com

      

Our recent listings

2834 Venable Rd Kents Store VA 23084 | Central Virginia Country Property for Sale | $550,000 | Kents Store, VA
Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
6058 Free Union Rd Free Union VA 22940 | Charlottesville Horse Farm for Sale | $395,000 | Free Union, VA
570 Wyndholm Rd Evington VA | Virginia Horse Farm for Sale | $1,995,000 | Evington, VA
6107 Horse Farm Rd Port Republic VA 24471 | Shenandoah Valley Horse Farm for Sale | $995,000 | Port Republic, VA
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Filed Under: Blog, Central Virginia Horse Farm for Sale, Central Virginia Real Estate Properties, Pam Dent Tagged With: Central VA Country Properties, Farm Homes for Sale in Central VA, Pam Dent

Charlottesville Horse Farms | Market Report for July 2018

Now is the time to fulfill your dream of owning a horse farm!

Live in the five star town of Charlottesville VA. Located on the upper Piedmont Plateau, in the foothills of the Blue Ridge Mountains, this town has recently ranked fifth in the 2018 Top 100 Best Places to Live by Livability. With its fascinating history and premier equestrian farms, it is no surprise that people from different places are drawn to Charlottesville.

The town is home to the University of Virginia, a university founded by Thomas Jefferson and known for its secret societies and impressive alumni. Majority of the city’s population is composed of well-educated young professionals, many of whom take part in civic causes that help make the community the best place to live.

Equestrian Properties in Charlottesville VA

Charlottesville is also a hub for all things outdoors. The gorgeous countryside, complemented by bountiful springs, streams and rivers, beckons anyone to come out and play. On land there’s hiking, disc golf, and horseback riding. If that doesn’t appeal to you, you can try the high ropes courses, skydiving and even go up on a hot air balloon. You can also escape to Shenandoah National Park and enjoy the cascading waterfalls, spectacular vistas, and quiet wooded hollows.

If you’re looking for gorgeous mountains and a breathtaking countryside to enjoy your time with the horses and still have the experience of a close community, the town of Charlottesville offers all of the amenities of a bigger city with excellent housing, shopping, dining and business.

Equestrian Property for Sale in Charlottesville VA

The city of Charlottesville boasts of a rich equestrian history and continues to attract buyers from all over the world. You’ll find hundreds of miles of beautiful, scenic trails, designed specifically for horseback riding. It’s also common to see horses grazing in open pastures with plenty of grass. In Charlottesville, horses run free and live with enough space to get adequate exercise.

Charlottesville VA Equestrian Properties

The area is also rich in activities for the horse enthusiast. There are horse shows and associations. There are also major competitions held at local Charlottesville horse farms and Central Virginia area facilities. Prominent venues in the area are available for training and schooling. You’d also be delighted to know that a number of horse farms are owned by top class riders and trainers in the classical dressage discipline.

You’ll find several well-planned properties on the market that have everything a horse farm buyer would desire.

Market Report for July 2018

There are currently 79 Charlottesville and Albemarle County Virginia farms for sale. The prices range from $410,000 to $27,000,000. Spaces vary from as much as 20 to 870 acres.

Horse Farms for Sale in Charlottesville VA

  • 79 Horse Farms for Sale – 79 Traditional Sales
  • 0 Short Sale
  • 0 Bank-Owned/REO Property

The median listing price of these horse farms is $ 1,575,000.

Click here for the current list of horse farms for sale in Charlottesville.

Call me, Pam Dent, at 434-960-0161. With my extensive knowledge of the Charlottesville area and the real estate market, I can help you find the best equestrian property that suits your lifestyle.

In case you can not view this video here, please click the link below to view Charlottesville Horse Farms | Market Report for July 2018 on my YouTube channel: https://www.youtube.com/watch?v=w237LxR0hOc&feature=youtu.be

Filed Under: Blog, Charlottesville VA Horse Farms for Sale, Pam Dent Tagged With: Best Real Estate Agent in Charlottesville, Blog, Charlottesville VA Horse Farms For Sale, market report, Selling an Equestrian Property in Charlottesville VA

2834 Venable Rd Kents Store VA 23084 | Central Virginia Farm for Sale

A property where dreams are fulfilled

Do you dream of owning a log cabin on a farm where you can get away from your city life and just bask in the peace and serenity of nature? Are you looking for a home where you can live your lifelong dream of growing your own vegetables or raising livestock? Are you in the market for a property which can help achieve your dream of being self-sustaining and living off organic foods?

If your answer to any of these questions is a “Yes”, this Central Virginia country property could be what you’re looking for.

Central VA Real Estate Properties for Sale

Set in the heart of Central Virginia, conveniently located between Richmond and Charlottesville, is a beautiful and inviting country property that’s both inspiring and scenic.

With over 57 acres of gently rolling land and wide open spaces, you’ll have all the space you need for your loved ones, your hobbies, and the livestock you plan to raise.

Farms for Sale in Central VA

It also features a picturesque pond located just beyond the home.

There’s nothing better than a beautiful water view to keep you inspired as you start your day. You’ll never tire of gazing at the reflections of this pond.

It’s not just for landscaping! This pond is filled with bass, brim, and carp so you can enjoy fishing.

This Central Virginia property is ready for you. It has a large barn that offers ample space for equipment or hay storage.

If you plan to take care of horses, you can convert it into a stable.

Central VA Country Properties

The past owners have had cattle on the property so the barn can provide storage where the hay from the fields is kept.

Raising livestock like cows and goats is not a problem because this barn has the potential for a run-in for your horses, cows, goats, etc.

A home of character and excellent craftsmanship

There are so many things to love about this farm, and one of those is its log home.

Featuring 3 bedrooms and 1 bathroom, this log home is well-kept and built to maximize the views on every side.

The front yard extends a warm welcome, and the porch which runs the length of the home’s front is cozy and well-spaced.

Furnish it with some comfortable chairs and you will have a wonderful relaxing spot for your mid-morning snacks while gazing over the front hay field.

Farms in Central VA Country

Step inside the main door and be greeted by an explosion of woodwork! From the laminate floors to the vaulted ceiling, gorgeous wood walls grace all sides of this interior, delivering a rustic, country appeal.

Central VA Country Properties for Sale

Drawing inspiration from the classic log cabin design, this home combines three generous living spaces that accommodate your everyday needs.

The foyer flows into a cozy living room that boasts of a pellet stove fireplace for  consistent and efficient warmth.

Central VA Farms for Sale

A few steps away from the living area is the spacious eat-in country kitchen which features quartz counters, wood cabinets, and a modern stove with the charm of yesterday. This kitchen also comes with a dishwasher, an electric range, a microwave, and a refrigerator.

Whether you’re preparing a simple home-cooked meal or catering a feast for a holiday gathering, this exquisite kitchen delivers.

Central VA Real Estate Properties

There’s also enough space for a six-seater dining table where your friends and loved ones can gather.

Central. VA Properties for Sale

Feast your eyes on the breathtaking outdoors in this home’s sunroom. Imagine having breakfast every day with such a view. That’s truly a great way to start the day!

Central VA Properties for Sale

Even the master bedroom has views of the pond. Warm and cozy, this bedroom features a walk-in closet with cedar built-ins.

Enjoy all the space in the master closet, which really helps to be more organized and can cut down your preparation time.

Farms for Sale in Central VA

The bathroom is spacious and features a tub/shower.

There’s also a large main floor laundry room that could be converted to a second main floor bathroom.

An ideal country home

If you think you’ve seen all, there’s more!

There’s also an unfinished walk-out basement you can use as a storage room or finish to convert into a family room or den.

This basement has a woodstove which will always keep you warm.

Central VA Properties for Sale

The roof is a 30-year warranty shingle and it’s only five or six years old. The furnace was bought in 2011. The carport can accommodate two cars.

This home even has Internet through satellite so you can stay connected to the rest of the world.

Scenic views, 57.11 acres of land, a gorgeous log home – everything that you can possibly want in a country home is in this special country property for sale in Central Virginia.

Make this incredible farm yours for ONLY $550,000.

THIS IS AN OPPORTUNITY YOU DON’T WANT TO MISS!

Call me, Pam Dent, at (434) 960-0161 and make an appointment to see this picturesque Central VA property.

Filed Under: Blog, Central Virginia Horse Farm for Sale, Central Virginia Real Estate Properties Tagged With: Central VA Properties for Sale, Horse Farms for Sale in Central VA, Pam Dent

SOLD! 1013 Linden Ave, Charlottesville, VA 22902

1013 Linden Ave, Charlottesville, VA is a vacant land home. It contains 0 bedroom. This home last sold for $257,500 in May 2018.


SOLD! 1013 Linden Ave, Charlottesville, VA 22902
Overview
Maps
Photos
$257,500
Single Family Home
Main Features
Lot: 0.99 acre(s)
Location
1013 Linden Ave
Charlottesville, VA 22902
USA

Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
pam@JumpintoGreenerPastures.com
https://www.jumpintogreenerpastures.com

      

Listed by: Pam Dent

Our recent listings

Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
6058 Free Union Rd Free Union VA 22940 | Charlottesville Horse Farm for Sale | $395,000 | Free Union, VA
570 Wyndholm Rd Evington VA | Virginia Horse Farm for Sale | $1,995,000 | Evington, VA
6107 Horse Farm Rd Port Republic VA 24471 | Shenandoah Valley Horse Farm for Sale | $995,000 | Port Republic, VA
Price Reduced! Central Virginia Equestrian for Sale | Historic Hopewell Estate | $989,000 | Gordonsville, VA

 

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Filed Under: Blog, Sold Listings Tagged With: real estate, Sold Listing, Vacant Land Home

SOLD! 7139 Wildon Grove Rd, Keswick, VA 22942

7139 Wildon Grove Rd, Keswick, VA is a single family home that contains 2,400 sq ft. It contains 3 bedrooms and 3 bathrooms. This home last sold for $875,000 in July 2018.


SOLD! 7139 Wildon Grove Rd, Keswick, VA 22942
Overview
Maps
Photos
Contact us for pricing
Single Family Home
Main Features
3 Bedrooms
3 Full Bathrooms
Interior: 2,400 sqft
Location
7139 Wildon Grove Rd
Keswick, VA 22942
USA

Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
pam@JumpintoGreenerPastures.com
https://www.jumpintogreenerpastures.com

      

Listed by: Pam Dent

Our recent listings

Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
6058 Free Union Rd Free Union VA 22940 | Charlottesville Horse Farm for Sale | $395,000 | Free Union, VA
570 Wyndholm Rd Evington VA | Virginia Horse Farm for Sale | $1,995,000 | Evington, VA
6107 Horse Farm Rd Port Republic VA 24471 | Shenandoah Valley Horse Farm for Sale | $995,000 | Port Republic, VA
Price Reduced! Central Virginia Equestrian for Sale | Historic Hopewell Estate | $989,000 | Gordonsville, VA

 

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Filed Under: Blog, Sold Listings Tagged With: home buying, Home Selling, real estate

SOLD! 5527 Via Ln, Crozet, VA 22932

Down a country lane you will find this all brick home with spectacular views. The 5 mostly open acres that back up to a creek provides the opportunity to have a horse or two. The home offers hardwood floors on the main level with three bedrooms and 1.5 baths. The walk-out terrace level offers the ability to have a separate apartment with an office/bonus room, full bath, and recreation room with wet bar. Plus there is ample unfinished space for storage or a workshop.


Country Lane Brick Home
Overview
Maps
Photos
Features
Description
Neighborhood
$295,000
Single Family Home
Main Features
3 Bedrooms
2 Full Bathrooms
1 Half Bathroom
Interior: 2,363 sqft
Lot: 5.00 acre(s)
Year Built: 1970
MLS #: 510664
Location
5527 Via Lane
Crozet, VA 22932
USA

Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
pam@JumpintoGreenerPastures.com
https://www.jumpintogreenerpastures.com

      

Listed by: Gayle Harvey

Our recent listings

Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
Price Reduced! Historic Caleb Stone House for Sale | 67 Cameron St Columbia VA 23038 | $229,900 | Columbia, VA
6058 Free Union Rd Free Union VA 22940 | Charlottesville Horse Farm for Sale | $395,000 | Free Union, VA
570 Wyndholm Rd Evington VA | Virginia Horse Farm for Sale | $1,995,000 | Evington, VA
6107 Horse Farm Rd Port Republic VA 24471 | Shenandoah Valley Horse Farm for Sale | $995,000 | Port Republic, VA

 

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Filed Under: Blog, Sold Listings Tagged With: home buying, Home for Sale, Sold Listing

SOLD! 205 Shadow Ridge Ln Raphine, VA 24472

This Braeshire Farm is a 15.65 acre home and horse farm for sale in Raphine, Virginia. A 3 bedroom home that offers a comfortable country living and an open floor plan. The property also features amazing views, multiple porches and decks, hot tub and a pretty in-ground pool. This home and horse farm in Virginia is just minutes away from Lexington Horse Center and a full schedule of equestrian activities.


Braeshire Farm, Raphine VA Home for Sale – 205 Shadow Ridge Ln
Overview
Maps
Photos
Features
$475,000
Single Family Home
Main Features
3 Bedrooms
2 Full Bathrooms
1 Half Bathroom
Interior: 3,609 sqft
Lot: 15.65 acre(s)
Year Built: 2005
MLS #: 523823
Location
205 Shadow Ridge Ln
Raphine, VA 24472
USA

Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
pam@JumpintoGreenerPastures.com
https://www.jumpintogreenerpastures.com

      

Listed by: Gayle Harvey Real Estate, Inc.

Our recent listings

Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
Price Reduced! Historic Caleb Stone House for Sale | 67 Cameron St Columbia VA 23038 | $229,900 | Columbia, VA
6058 Free Union Rd Free Union VA 22940 | Charlottesville Horse Farm for Sale | $395,000 | Free Union, VA
570 Wyndholm Rd Evington VA | Virginia Horse Farm for Sale | $1,995,000 | Evington, VA
6107 Horse Farm Rd Port Republic VA 24471 | Shenandoah Valley Horse Farm for Sale | $995,000 | Port Republic, VA

 

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Filed Under: Blog, Sold Listings Tagged With: home buying, Home Selling, real estate

SOLD! 5975 Free Union Rd, Free Union, VA 22940

This historic home and a 4.72 acre lot is located in the gently sloping hills of Free Union.It has 4 bedroom, 2.5 bathroom, 3,760 square foot home. This colonial style home merges historic charm with contemporary features and amenities, creating a residence perfect for modern living. It features gorgeous hardwood floors, large windows, a stunning kitchen, granite countertops, and as much space as you need!


Price Reduced! 5975 Free Union Rd Free Union VA 22940 | Country Home for Sale
Overview
Maps
Photos
Features

Video
$575,000
Single Family Home
Main Features
4 Bedrooms
2 Full Bathrooms
1 Half Bathroom
Interior: 3,760 sqft
Lot: 4.72 acre(s)
Year Built: 1900
MLS #: 572071
Location
5975 Free Union Rd
Free Union, VA 22940
USA

Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
pam@JumpintoGreenerPastures.com
https://www.jumpintogreenerpastures.com

      

Listed by: Pam Dent

Our recent listings

Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
Price Reduced! Historic Caleb Stone House for Sale | 67 Cameron St Columbia VA 23038 | $229,900 | Columbia, VA
6058 Free Union Rd Free Union VA 22940 | Charlottesville Horse Farm for Sale | $395,000 | Free Union, VA
570 Wyndholm Rd Evington VA | Virginia Horse Farm for Sale | $1,995,000 | Evington, VA
6107 Horse Farm Rd Port Republic VA 24471 | Shenandoah Valley Horse Farm for Sale | $995,000 | Port Republic, VA

 

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Filed Under: Blog, Real Estate Properties for Sale in Charlottesville VA Tagged With: home buying, Home Selling, real estate

Soil Quality For Your Horse Farm

Buying an Equestrian Property?  Don’t Overlook Soil Quality

It can be difficult to find the perfect piece of land for managing horses. However, it is possible to know more about critical factors, such as soil quality, that can impact the health of horses and the management of a property, including outbuildings and pasture. Buyers who do not pay attention to soil quality may have a more difficult time with horse management and may have to supplement feed with additional minerals and chemical options, as mineral-rich soil often equates to better foraging options.

Whether you currently own a farm or are in the process of searching for one, remember that the land itself is a consideration beyond location, acreage, and price. Especially if you are planning to grow horses, the vegetation, soil, water, and bedrock that serve as the foundation of the top layer of the ground affect the overall health and strength of your horses.

Considering that, where do you start to ensure that your horses get the most benefit from the land they live on?

Soil Quality Is Important

Soil quality can be easily overlooked as those looking for equine real estate draw up their wish list for a property. However, this factor can be important for a number of reasons. Some may want to have quality pasture for their horses and this is dependent upon the type of soil and the grasses that may be able to grow on a particular soil type. In addition, some soil types, such as a loamy soil can be problematic for paddocks when it rains.

It may be necessary to have different soil types, such as a well-drained soil with gravel for areas such as confinement areas or buildings. The type of soil in an area can make for fewer issues with mud and for a better pasture growth environment. Horse management becomes easier with the right type of soil in the right location.

Vegetation – A Clue to Soil Quality & Drainage

Before examining the soil, there can be clues in the vegetation as to the amount of water in an area and the type of soil drainage. The types of plants growing in an area can indicate a wet and marshy area. Plants such as hardhack, rushes, sedges, and skunk cabbage often grow in wet areas that are not suitable to use as a pasture. This can be important when creating a layout for buildings and pastures for horses or other animals.
The types of shrubs and trees that grow in an area are often dependent upon soil type and prospective buyers can use the existing vegetation to determine whether or not the property is suitable for one’s purposes. Additionally, anyone selling a farm or equestrian property should be aware of all of the various types of trees and shrubs on the property to address any buyer questions or concerns. More information about the type of soil required by different plants can be found at the conservation district, extension office or local library.

Desirable Soil Features & Qualities

Those checking out a site for their horses may want to take a soil sample. Costs for the test are minimal, when a charge exists. It may be necessary to send in multiple sample for analysis, depending on the previous purposes of the land. If the soil is lacking in certain nutrients needed for horses, it is easier to make changes to chemical management rather than attempting to alter the physical management of soils and grasses.
Good outcomes from positive soil samples are often better for horses raised on high phosphoric soils. Owners may want to look for the presence of natural springs and big trees as this can be indicative of high phosphorus levels and mineral-rich water. Soil that retains excessive amounts of water does not make for strong hooves. Owners want to look for soil that is nutrient-rich and that drains well to support the health of their horses.

Horse farms for sale in Charlottesville VA

How do you ensure that your horses get the most benefit from the land they live on?

First, take a soil sample and have it tested. The cost for testing will depend on how many facets of your soil you want to be analyzed and how many different samples you take.

Once the sample or samples are analyzed, you will receive a computer printout detailing the levels of nutrients present in your soil, including phosphorus, calcium, sulfur, the PH measure of acidity, and potassium. If your farm has been pieced together from an older farm and additional land that might not have been used previously for livestock, take samples from different portions of the farm.

Doing so will keep you from spending money on fertilizers that you do not need on the parts of your farm that are already blessed with minerals. It is also best that once you have the initial soil test done, you continue to monitor the nutrient levels every three to four years, and on land managed, for every two years.

Just like humans, horses also need basic levels of certain minerals and vitamins on a daily basis to maintain their health. When horses graze, they get some of those nutrients from the soil via the grasses that they eat.

If you are planning to grow horses in a horse farm, you must be aware of two nutrient requirements. The first is the nutrient requirements of the crop, and the other the nutrient requirements of the horse. Those two are not always the same.

The chemical management and additives to the grasses are far from the only option that you must consider. Some horse farmers think that they can balance their horse’s ration by feeding the grass. That is not true. The soil will not give the grass 100% of everything put on the soil, and it’s not economically efficient. If the soil is already rich enough to support good growth, you are only wasting your money putting more nutrients on the soil. If you self-impose an imbalance on the soil, it will only affect the crop and the horses.

If you have worked with your soil and the crops being produced are just enough, yet your horses are still lacking nutrients, you can do an analysis on the hay or pasture and find out what the horses are eating. You also need to make sure you are familiar with the nutrition information on any packaged feeds.

Beyond Soil Sampling

Soil sampling is the first step, but it is not the only step you will take if you want to produce the strongest horses possible in your farm. Prospective buyers of horse farms need to understand that not every piece of property is ideal for raising horses.

Equestrian Properties for Sale in Charlottesville VA

If you understand your farm and understand your nutrients, you can raise a good horse anywhere if you know the contents of your grass, hay, and what you are feeding them. Hence, when searching for a horse farm, make sure that you do not only look at what can be seen by the naked eye, but everything—from barns to bedrock. It’s good to ask for topographical maps detailing the types and depths of limestone under the surface, water and drainage patterns, prevalence of sink holes, and other factors that might affect the equine athlete.

As you evaluate a possible horse farm to purchase, look at the lay of the land. Big trees usually equal good land for raising horses. This is because trees benefit from high phosphorus levels in soil.

Other than trees, sinkholes also indicate the presence of caverns that are made of mineral-rich rock. The presence of natural springs is also a tip-off. Limestone bedrock usually forces water to travel across its layers, collecting minerals as it moves. When it reaches the surface in the form of natural springs, the result is clear and rich water. Remember though that too much water either sitting in a creek bed or retained in soil is bad, as wet hooves are not strong hooves.

Lay of the Land

Not everyone can be lucky enough to find or buy the perfect land. But if you decide to grow horses on a farm, you need to understand what the limitations are and make the soil more favored for the plants that you are to produce.

Soil is a manageable resource. When looking for a horse farm, don’t go for steep hillsides or boggy bottoms, but something that rests in between. Also, consider the logistics of the site, the size of the land, and the slopes.

Questions about buying or selling equine real estate?  Please contact me… I’m glad to answer your questions.

email: Pam@PamDent.com      434-960-0161

Source Attribution: Thank you to our guest blogger Dylan Snyder of The Snyder Group Real Estate in Jupiter FL.

Filed Under: Blog, Equestrian news, Virginia Horse Farms Tagged With: Central Virginia Equestrian properties, Central Virginia horse farms, farms, Virginia horse farms

☝ Guidelines for Buying a Home in Charlottesville VA

Purchasing a home in Charlottesville, VA is not an easy task. Since home buying involves a huge sum of money, you need to follow certain guidelines and ensure that you make the right decision before you dive in.

When buying a home, it doesn’t really matter whether you are an experienced real estate investor or a first-time homebuyer. Regardless of how many times you have invested in real estate, you need to put a lot of thought into this decision so you can safeguard your finances and avoid future regrets.

Here are some guidelines that you can follow if you are buying a home in Charlottesville:


Know the Type of Home You Can Afford

Since buying a home is a long-term commitment, you need to determine how much you can pay every month. Having to spend years paying your monthly home mortgage is not a joke, so it is imperative that you only get a home that you can afford. As you calculate, include the costs for regular maintenance, insurance and other upgrades that your home may need in the future.

Golf Course Homes for Sale in Charlottesville

Buying a home is one of the most crucial decisions that you will ever make. Not only does this provide a solid foundation for yourself, it also plays a huge role in your financial health.

When you buy a home, you help yourself build your net worth and achieve a level of financial freedom. However if you buy a home that is larger than you can afford, it could eventually become a major burden to you.

Here are some key signs that the house you are planning to buy is something you cannot afford:

It is outside your budget

While this may seem pretty obvious, in reality, you will be stunned at how many homebuyers tend to set a budget and end up going beyond it. There is a reason a budget exists. Going beyond it means you are stretching yourself past where you previously felt financially comfortable, so don’t take the risk of wanting something more than you can actually afford.

Determine your budget by calculating your current income and expenses on a monthly basis. To be safe, add in some cushion in case your expenses rise, but never assume that your income will go up. You also need to factor in how much you want to actually save and invest each month.

You make assumptions about your future income and expenses

Don’t be the kind of person who says, “I’m getting a larger and more expensive house because I will probably make more money in the future.” This thinking is disastrous because there’s a chance you or your spouse may never really get the raise you’re counting on. You may event lose your job entirely!

It is highly unlikely to predict your future income and expenses with real accuracy, so when you budget for a home, take a conservative approach based on your current income. Also, always assume that your expenses will go up if you plan to expand your family. Taking this approach will give you wiggle room to save money and invest in a home.

You are unable to place 20 percent down

Putting a sizable down payment on your dream home presents many key advantages. Aside from doing so will have you borrow less, you also get to start off with a larger piece of equity in your home. It also means lower interest payments overall.

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If you’re not able to save 20 percent for your down payment, then most likely, it will be hard for you to pay for your home in the long run. Rather than jumping into buying, try saving more for a larger down payment.

You have high interest rate

If your bank thinks you are a risky borrower, they are likely to impose high interest rates on you. If you have high debt, a low credit score, or both, you may end up with a higher-than-average interest rate, so your monthly mortgage payment will be higher.

Take a step back and examine why your interest rate is high, because that may be an indication that your finances are not in good shape. It may also mean you are trying to buy a house that is costlier than you can afford.

Your decision is emotion-driven

Say you chance upon a home that is the perfect embodiment of your dream home, but it’s expensive. It is expensive, but it is your dream home.

If you let your emotions to guide your decision, your dream home could end up being your worst nightmare. Remember that buying a home is more of a financial decision than an emotional decision. When you start having trouble making monthly payments after purchasing your expensive dream home, you might not appreciate all its beauty anymore.

You have weird mortgage terms

There are a lot of mortgage products out there, the most common of which is the one in which you place a certain amount of money down and obtain a loan with a fixed interest rate, then pay it back over an agreed period.

There are instances when you may not qualify for a fixed-rate mortgage. When such happens, banks will offer you different loan types. Don’t be lured to purchase a home that you ultimately cannot afford. If you are buying a home with a nontraditional mortgage—or if you do not understand the mortgage terms to begin with—you might take on more house than you can handle.

Your payments are more than 30 percent of your monthly income

Particularly in the U.S., renters and homeowners are advised to pay no more than 30 percent of their income in housing costs. While this is not a requirement or law, it is a helpful guide for determining if you may be overburdened by a mortgage.

If you have an average income, 30 percent is a safe target to stay under. If you have a high income, you may afford to spend more than that.


Obtain Financing

After figuring out how much you can afford to pay every month for your home, the next thing to do is find a lender and obtain financing. You can present to your lenders your credit score, recent tax returns and W-2 forms to verify your finances.

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Find a Reliable Real Estate Agent

The best way to go through the process of home buying is getting an experienced real estate agent to help you every step of the way. Especially if you are a first-time homebuyer and don’t know much about real estate investments, an agent can help you determine which communities have homes that suit your needs and can provide you with everything that you need to know about the homebuying process.

Whether this is your first real estate transaction or you are a veteran in real estate, having the right real estate agent is key to a smooth process. With millions of agents in the U.S. alone, however, how do you find the right agent for you?

The easiest way is by asking your friends and family for referrals in your area. Take into consideration their experiences and see if their names come up online. You can also check out reviews about those agents and go over these absolutely essential questions as you make your choice:

How long has she been in the business?

This question may sound basic, but it is crucial. While experience does not necessarily equal success, remember that real estate is a commission-based business and it would be difficult for any agent to survive the industry for a long time if she provides awful service. If an agent has been in the real estate business for many years, then most likely, she has already seen many different situations to be rattled should she encounter difficult clients down the road.

Does she have time for me?

Asking an agent about her average number of clients will also help you determine if she will have time for you should you hire her as your agent. As a potential client, you wouldn’t want to feel as if you’re thrown to the wayside while your agent is busy working with a dozen others.

If your agent is working with a high volume of clients, find out how she plans to remedy the situation should you hire her. If she has other team members who can help you, then that’s better.

Which specific areas does she cover?

As you look for an agent, you will likely encounter ones who are neighborhood experts and others who travel halfway across the country to find clients. If you want the best agent, find someone in the middle. Just because an agent covers an entire state doesn’t mean she has an intimate knowledge of all its local markets.

Is she part of a team?

While working with a team can have many benefits, you must clarify from the get-go the relationship you will have with the other members of the team. There will always be one who has more intimate knowledge of specific situations than another, so it’s better if you know if there’s a specific agent to work with you throughout the transaction or if you are going to meet with different people at different times.

Is she equipped to handle my unique situation?

Whether you are a long-time investor, a house flipper, first-time homebuyer, or seller, you will always encounter unique scenarios where you will need the assistance of an experienced real estate agent. Don’t just settle for someone who answers your question with, “Don’t worry, I’ve dealt with this before.” Instead, as the agent how specifically you are going to resolve and handle unique situations.

What type of communication do I expect from her?

At this point, you may have already noticed if you and your potential agent understand how each other communications. This is where you should set expectations for how often she needs to update you, the best communication methods to use, and how she’s going to keep you in the loop. Your agent’s priority must be what makes you feel most comfortable as her client.

Does she have a recommended vendors list?

You will know how experienced an agent is if she has a recommended vendors list. If she’s been in the business for a long time, she will have already developed trusted relationships with other industry professionals, from lenders and title companies to contractors and inspectors. She must be able to refer you to different sources who can assist you with your different needs during the process.


Search for Charlottesville Homes for Sale

If you want to find a home in Charlottesville golf communities, you can search all the available homes in the area and look for the one that meets your lifestyle and budget. Once you have found the home of your choice and have already decided to buy it, make an offer right away. Within 10 days after your offer gets accepted, order a home inspection.


Have an Appraiser Visit the Property

You can never underestimate the role of an appraiser in the home buying process. Appraising the property is a crucial part of the financing process because it is where the appraiser determines the fair market value of the property.


Have a Final Walk-Through of the Home

Before closing the deal with the seller, take a final visit to the property and make sure that it’s still in the same condition as when you made the offer to buy it. Have your real estate agent accompany you on this final walk-through so he can answer your queries.

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Close the Deal

As you close the deal, the other party will present all the closing documents for your review and signature. Make sure that you understand everything that’s written on these documents before signing. If you have questions, feel free to ask so you know all the details before moving into your new home.

While it is true that home buying is a truckload of work, you don’t necessarily have to stress yourself with everything. If you get the right real estate agent, you will be able to save time and money as you go through the process.

Contact me today at 434-960-0161 and let’s talk! I am Pam Dent, Charlottesville’s top Realtor®. Let me make this whole thing as easy as possible for you.

In case you can not view this video here, please click the link below to view Guidelines for Buying a Home in Charlottesville VA on my YouTube channel: https://www.youtube.com/watch?v=1QyxrtYRWEY&feature=youtu.be

Filed Under: Blog, Charlottesville, Charlottesville Golf Communities, Charlottesville Golf Community Homes, Charlottesville Homes for Sale, Charlottesville VA Homes Tagged With: Blogs, Charlottesville VA, Charlottesville VA Homes, Home Selling Tips, Homes for Sale, Homes for Sale in Charlottesville VA, Pam Dent

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Contact Pam

Pam Dent
Phone: (434) 960-0161
Email: Pam@PamDent.com
McLean Faulconer Inc.
503 Faulconer Dr. #5
Charlottesville, VA 22903


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