PAM DENT

Jump into Greener Pastures


434-960-0161
Pam@PamDent.com

SOLD! 1385 Amber Ridge Rd, Charlottesville, VA 22901

Shows like a brand new Charlottesville VA home. Three level home in the popular western school district with 3 bedrooms and 2.5 baths. Amenities include hardwood floors though out. Very spacious eat in kitchen with cherry cabinets stainless appliances and recessed lighting. Two car garage and large basement which can easily be finished for additional square footage. Very close to all the Crozet has to offer, from the quant shops and restaurants to the family vineyards and breweries.

 

????What to Consider Before Buying a Home in Charlottesville VA

Buying a home has always been built into the American dream.

There are many advantages to having your own home. For one, you get to enjoy greater privacy. Homes also typically increase in value, build equity, and provide a nest egg for the future.

Owning a home can also give you a sense of pride and freedom you will never experience as a renter. When you buy your own Charlottesville VA home, you can maintain it however you want to. You can even adopt a pet if you have always wanted one but haven’t been able to due to your renting situation.

Real estate property for sale in Charlottesville VA

 

While buying a house can be a terrific investment, it is a decision that should never be taken lightly. It is a big financial decision so it is worth taking the time to consider the following things:

 

Affordability

Buying a house will have a significant impact on your finances, so how much you earn is a huge factor. Make sure you have the finances to afford the house you want to buy. A stable income is also critical to paying off a mortgage loan and will be a requirement from a lender.

You will find that the real estate market in Charlottesville VA offers an assortment of homes for sale in a variety of price ranges.

In addition, as a homeowner, you will be responsible for paying for all the repairs and utility costs, such as garbage and water. You will also need to pay for taxes and insurance related to your home.

 

Location

Choosing the right location is also an important consideration to make before buying a home. Think about your lifestyle, your needs, and the amenities that matter most to you.

While the condition and price of a home can be modified, you can never change a home’s location. Make sure to buy in an area that fits your lifestyle.

Other things to keep in mind include:

  • Safety
  • Schools available
  • Shopping
  • Walkability
  • Public transit access

 

So why choose Charlottesville?

Charlottesville is an attractive city nestled in the hills of the Blue Ridge Mountains. The city has received numerous awards including being ranked on the following lists:

  • Best Cities to Live in America
  • Best City to Retire
  • Best City to Retire Early
  • Best New Places to Drink Wine
  • Top Ten Places to Raise a Family
  • Top Ten Healthiest Cities for Women
  • Best Retirement City for Golfers
  • Best Small College Town

 

Wish List

Figure out exactly what you’re looking for in a house. Differentiate between the Must-Haves and the Nice-To-Haves.

Do you want a traditional single-family home? A townhouse? A condo? How many bedrooms and bathrooms will you need? Do you want extra space for a workshop or home office? Do you need a two-car garage?

While you may not find a house with absolutely everything on your wish list, identifying your top priorities is a good place to start.

 

Future Plans

Your future plans also dictate your priorities when buying a home.

How long do you plan to live in this home?

The general rule regarding the best time to buy a house is when you plan to live in the same area for at least the next five years. Otherwise, you’re probably going to take a hit financially.

 

Everyone deserves to find their dream home. The good news is you don’t have to go through the home buying process alone.

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 property that suits your lifestyle.

 

????What to Expect When Buying a Home in Charlottesville VA

Purchasing a home is a big deal.

The whole process can be even more daunting if you’ve never bought a house before. It’s not as simple as picking out a house, having a seller accept your offer, signing your name on a couple of dotted lines, and getting the keys to the property.

Expect these things when buying a home in Charlottesville VA

Buying a house can be a lengthy and complicated process that involves a lot of steps. It’s a serious commitment. You have to prepare yourself financially, emotionally, and mentally.

 

Home ownership can be a smart long-term move, but you want to know what you’re getting into. Here are some things that you should expect when buying a home:

Expect rigorous financial checks

One of the things that you should expect when buying a home in Charlottesville VA is that you will undergo some serious financial checks. In order to decide whether or not to offer you a loan, loan officers will have to take a look at your financial standing.

Knowing your credit score is also important because it determines the rate and conditions you receive on a mortgage loan. If your credit score is high, lenders will see you as a low-risk investment and offer you a low rate on your loan with good conditions.

 

Expect to make a down payment

You have to be prepared to make a down payment if you’re set on purchasing a Charlottesville home for sale. A down payment is a type of payment made in cash during the onset of the purchase of a home.

Many home buyers pay down payments equal to 10% to 20% of the total value of the home, while the bank or other financial institution covers the remainder of the costs through a mortgage loan.

 

Expect that you and the seller aren’t the only people involved

When you decide to purchase a home, you’ll come in contact with several individuals, each playing a significant role in your purchase journey. This typically involves the following:

  • Mortgage Lender
  • Mortgage Banker
  • Real Estate Agent
  • Seller’s Agent
  • Home Inspector
  • Appraiser
  • Home Insurance Agent
  • Title Company or Settlement Agent/Attorney

 

Expect that you have to be patient

Being patient is one of the key elements you need to have in order to make sure you are making all the right decisions when buying a home.

Don’t get easily frustrated when you can’t find your dream home in the first few days or weeks. This is part of the process so you have to give it some time.  Once you have found the right home, you have to keep in mind that it is yet another part of the process to get to the closing of the purchase of your soon-to-be new home.  

 

Buying a home is an exciting time! Making the smart move of choosing the best real estate agent will ensure that your new home and community will meet your needs.

 

Let me be of service to you!

With my experience, I can help you find the best house, for the best price, that checks off the majority of the items on your checklist. I will help you navigate all the questions and explain the process, each step of the way.

Call me, Pam Dent at (434) 960-0161. Together, we can find the home that best suits you and your family!

 

SOLD! 408 Welsh Run, Ruckersville, VA 22968

408 Welsh Run Rd. is a magnificent 2-storey equestrian home in Ruckersville VA. The home features 4 bedrooms, 4 full bathrooms and a 2-car garage. The den could be used as a formal dining room or a second master with an attached bath. The finished terrace level offers a spacious recreation room, a second full kitchen and a bath. For your horses, this property has run in sheds, a 3-stall stable, multiple pastures and all the space needed to enjoy the thrill of riding on horseback. A lot of features awaits!


Hunny Hill Farm – Ruckersville VA Home for Sale – 408 Welsh Run Rd
Overview
Maps
Photos
Features
$549,999
Single Family Home
Main Features
4 Bedrooms
4 Full Bathrooms
Interior: 3,818 sqft
Lot: 18.50 acre(s)
Year Built: 1960
MLS #: 540148
Location
408 Welsh Run Rd
Ruckersville, VA 22968
USA
Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
[email protected]
https://www.jumpintogreenerpastures.com

      

Listed by: Gayle Harvey Real Estate, Inc.
Our recent listings

 

Subscribe to our listing feed
See more Ruckersville, VA real estate for sale

SOLD LISTINGS

Powered by RealBird.com

Powered By RealBird.com

????How to Save for a Down Payment on a Charlottesville VA Home

Buying a home is the largest purchase most people will ever make.

If buying a home is one of your financial goals, it is best to begin preparing for it in advance as soon as possible. As with all major savings goals, the sooner you start setting aside money, the easier it will be.

How to Start Saving Down Payment for a Charlottesville VA Home

 

You’ve probably been thinking about how and where to save money for a down payment. While the amount can be daunting, it can be done with a basic understanding of how real estate financing works and how to create a savings plan.

What is a Down Payment

Basically, a down payment is the amount of money you spend upfront to purchase a home. It is usually combined with a home loan to fulfill the total purchase price of a home.

Homebuyers have to make a down payment because lenders generally won’t finance 100% of the purchase price. The bigger the down payment you can make, the less risky the loan is for the lender.

So how much down payment do you need in order to purchase a home for sale in Charlottesville VA?

That would depend on three things – your lender, the kind of loan you will get, and your financial situation. Typically you’ll have to pay a minimum of 5% to 20% of a home’s purchase price.

Here’s how to save for a down payment the smart way:

Determine your price range

Before you start saving money for a down payment, you need to determine first your price range. You don’t want to overspend on a home you can’t afford to keep, do you?

When deciding on a price range, be realistic and consider your financial situation. The often quoted rule of thumb is you can afford a house that costs up to 2 ½ times your annual gross income. If you are buying with your spouse, you should also consider his or her annual gross income to help you decide just how expensive a home you can buy.

Learn to prioritize

Saving for a home is all about priorities. Would you be willing to tighten your belt in order to save for the down payment of your dream home?

Identify areas in your life where you can cut back on expenses so you can put more money in your savings. The best way to do this is to create a budget.

You can also look for a cheaper way to do things. Do you take expensive vacations? You can try something less expensive or closer to home. You can save for a down payment without diminishing the fun in your life.

Put your savings on autopilot

If you’re really determined to buy a home for sale in Charlottesville VA, you could automate your savings into an account specifically for your down payment.

Having it automated makes sure that you don’t forget to make the deposit into your savings account. You can choose a fixed amount, like $300 per month. You can also specify a percentage of each paycheck. This way you can save more when you get a raise or bonus. 

 

Are you in the market for a home here in Charlottesville VA? Let me help you!

Call me, Pam Dent at (434) 960-0161. Let’s make sure that your real estate transactions go as smoothly and as stress-free as possible!

 

SOLD! 311 Maroon Creek Ct, Charlottesville, VA 22903

According to the Charlottesville public records, the property at 311 Maroon Creek Ct, Charlottesville, VA 22903 has approximately 3,118 square feet, 4 beds and 3 baths.

 

????How Do You Know When You’re Ready to Buy a Home in Charlottesville VA?

Getting ready to buy your first house?

 

Purchasing a house is one of the largest financial decisions you will make in your life and homeownership remains to be a goal for many. In fact, it is usually referred to as the great American Dream.

Having your own home means you will have a place to call your own where you’ll be creating equity and building towards the future. You will also have the freedom to decorate your home without having to get approval from someone else.

 

Purchasing a Charlottesville VA Home

 

Of course, there are also serious responsibilities. For one, you’ll have to pay for all the maintenance. You have to be sure that you are ready to take on the duties associated with home ownership.

So how do you know when you’re ready to buy a home in Charlottesville VA?

 

Your finances are in order

Before buying a home, you have to know both the upfront and the ongoing money you’ll need. Are you financially ready? How much credit card debt do you have?

How about your credit score? Your credit score will indicate how creditworthy you are. If your credit score is terrible, it may not be a good time to purchase a house. On the other hand, if you have excellent credit, it will be easier for you to get a mortgage at a low-interest rate.

 

You have saved enough down payment

Saving up a down payment may seem like a daunting task. However, it can be done if you go about it the right way.

If you have already saved enough money for a down payment, it is a good indication that you’re ready to buy a home. However, you also have to take into consideration the other expenses like closing costs, insurance, taxes, and repairs and furnishings to turn the house into a livable home.

If you can afford a down payment that allows room for breathing after the purchase, you are well on your way to home ownership.

 

You are ready to settle down

Before buying any home, make sure you’ll want to stay in that location for at least the next three to five years. Remember that your home is a long-term investment.

On average, home prices, appreciate around three percent per year. If you were to buy and have to sell in less than two years you’d likely lose money because there’s a chance that the increased value won’t even cover the closing costs you paid to buy the house.

 

You have the maturity to own a home

While homeownership is a major accomplishment, it also involves a great deal of responsibility. While you were renting, your landlord takes care of everything. Your duty was to pay your rent on time and to keep your unit clean. However, it is entirely different when you own a home.

Are you ready to do the maintenance work necessary to keep your home in good shape? Are you prepared to make all of your mortgage payments on time every time?

If you’re committed to taking on these responsibilities and more, then you’re ready to purchase your own home!

 

Are you in the market for a home here Charlottesville VA? Let me help you!

Call me, Pam Dent at (434) 960-0161. With my expertise and experience, I can help turn your real property dreams into a reality.

 

SOLD! 425 Meade Ave, Charlottesville, VA 22902 | Charlottesville VA Home For Sale

425 Meade Ave, Charlottesville, VA 22902 is a single family home built in 2011. This property was last sold for $330,000 in 2013 and currently has an estimated value of $374,500. The median sales price for the Martha Jefferson area is $359,000. The $374,500 estimated value is 4.03% greater than the median listing price of $360,000 for the Martha Jefferson area.

According to the Charlottesville public records, the property at 425 Meade Ave, Charlottesville, VA 22902 has approximately 2,009 square feet, 4 beds, 2 full and 1 half baths with a lot size of 5,009 square feet. Nearby schools include Burnley-Moran Elementary School, Buford Middle School and Charlottesville High School. Check this home for sale in Charlottesville VA.


SOLD! 425 Meade Ave, Charlottesville, VA 22902 | Charlottesville VA Home for Sale
Overview
Maps
Photos
Features
Description
$330,000
Single Family Home
Main Features
4 Bedrooms
2 Full Bathrooms
1 Half Bathroom
Interior: 2,009 sqft
Lot: 5,009 sqft
Year Built: 2011
Location
425 Meade Ave
Charlottesville, VA 22902
USA
Pam Dent - REALTOR® Pam Dent – REALTOR®

Gayle Harvey Real Estate, Inc.
(434) 960-0161
[email protected]
https://www.jumpintogreenerpastures.com

      
Our recent listings

 

Subscribe to our listing feed

Sold Listings and Properties
Powered by RealBird.com

Powered By RealBird.com

Charlottesville Horse Farms | Market Report for July-August 2017

Live in one of the happiest and healthiest places in the US!

Charlottesville is an attractive city in west Central Virginia situated within the upper Piedmont Plateau, at the foothills of the Blue Ridge Mountains and at the headwaters of the Rivanna River.

It is approximately 100 miles southwest of Washington D.C. and 70 miles northwest of Richmond, Virginia.

Tourists often flock to Charlottesville for beer tours, ballooning, and hiking. The city was home to Thomas Jefferson, James Madison, and James Monroe.

Discover what Charlottesville has to offer!

Charlottesville’s downtown is Albemarle County’s center of business. The area is home to the Downtown Mall, one of the longest outdoor pedestrian malls in the entire nation, with stores, restaurants, and civic attractions.

A few blocks from the Downtown Mall is the Court Square. Court Square, just a few blocks from the Downtown Mall, is the original center of Charlottesville and several of the historic buildings there date back to the city’s founding in 1762.

Charlottesville is also home to the University of Virginia, a public research university and the flagship for the Commonwealth of Virginia. It is a  community of undergraduate, medical, business, and law students as well as the faculty and staff.

You’ll find good schools and great amenities in the place Thomas Jefferson once called home.

Experience a lively city ripe with vineyards and breweries, as well as shops, restaurants, and parks. In summer, you’ll enjoy hiking, kayaking, and horseback riding. In winter, you can go skiing and snow-tubing.

Horse Farms for Sale in Charlottesville VA

There are also many rivers and lakes which provide the perfect setting for aquatic pursuits, such as sailing, swimming, fishing, kayaking, canoeing, and tubing. The lovely parks offer wonderful settings for sports, picnics, relaxation, and adventure.

If you want to take your adventure to the sky, you can try a hot air balloon or you can also paraglide over the scenic countryside.

You will love its temperate climate, comprehensive public health facilities, good food, and sophisticated cultural resources. In addition, it’s just two hours from Washington DC.

Golfers will surely love the spectacular sceneries and championship courses designed by some of the industry’s top architects.

Charlottesville offers quiet country retreats and horseback rides.

There are many horse farms and equestrian properties throughout Charlottesville. They are popular property choices because of the area’s gently rolling hills, lush green pastures, and the proximity to horse shows and fox hunting.

There are also hundreds of miles of beautiful, scenic trails, designed specifically for horseback riding.

James River State Park, nestled in the foothills of the nearby Blue Ridge Mountains, offers 20 miles of many different types of riding trails. If you prefer wooded riding along wooded trails, pay a visit to the George Washington National Forest.

Market Report for July-August  2017

There are currently 7 Charlottesville horse farms for sale. The prices range from $409,000 to $15,800,000. Spaces vary from as much as 1,160 sq. ft.  to 500 acres.

Horse Farms for Sale in Charlottesville VA

  • 7 Horse Farms for Sale — Traditional Sales
  • 0 Short Sale
  • 0 Bank-Owned/REO Property

The median listing price of these horse farms is $499,000.

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-August 2017 on my YouTube channel: https://www.youtube.com/watch?v=S-Q5b3JlAdM&feature=youtu.be

Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Central Virginia Country Property for Sale

Location is just one of the many amazing features of this home!

Designed to provide the ultimate comfort, this custom-built Virginia country home offers ample space, stunning views and lush foliage, ensuring the best of privacy and retreat.

Country Property for Sale in Central VA

Nestled upon a picturesque 6.45 acre lot, you will find this all brick 4 bedroom, 4.5 bath home with 5,665 square foot of living space a stunner!

It overlooks the rolling countryside from almost every angle so you get amazing views wherever you are.

It is a perfect haven and delivers a wonderful outdoor oasis, great for entertainment or private enjoyment. It is close to Montpelier, the market at Grelen, Orange and Charlottesville.

This Somerset home for sale leaves nothing to be desired.

It is the perfect ideal home for country lovers.

Live the life you long for in Somerset Virginia

If you long for outdoor adventure, tranquil nights, and the small town feel, you’ll get it in Somerset, located 22 miles northeast of Charlottesville.

This home is only 8 minutes away from historic Montpelier.

The Market at Grelen is practically its neighbor, you can walk there in 15 minutes.

Children in the Somerset area attend Orange Elementary School, Prospect Heights Middle School and Orange High School – all within a 14 minute drive from this home.

Be welcomed by this home’s enticing curb appeal

Enjoy the county’s scenic escape as you drive to this wonderful hideaway. The home is set back from the road so you will have a good drive before you reach the property.

A well-maintained expansive front lawn with beautiful landscaping welcomes you to this estately home.

Central VA Country Properties for Sale

A lovely brick floored, extra wide front porch which runs the entire length of the home’s front.

Step inside this home’s inviting living space and be impressed by the details and craftsmanship of this home.

Open this home’s elegant front door with sidelights and detailed windows to be greeted by a generous sized foyer with ceramic tile floors and neutral tone walls.

Central VA Country Property

Bright and airy, this foyer is perfect to show off any favorite collection or painting. It has enough space for any display you want to decorate it with.

Dine and entertain in this home’s formal dining room

To the right of the foyer is the formal dining room. Gorgeous maple floors on the floor enhance the warm and inviting feel of this room.

Central VA Country Properties

 

The massive window on one wall overlooks the front yard, giving you an amazing view of nature while you dine or entertain. It also allows natural light to flow easily into the room, making this room bright and welcoming.

This formal dining room is spacious and can easily accommodate a table for eight comfortably. Be it a catered gathering or a simple family get together, this dining space comes in convenient and handy.

Enjoy this home’s bright and cheerful living room

To the left of the foyer is this Somerset home for sale’s living room.  The large window allows light to stream in, giving the room sufficient brightness and warmth, further enhanced by the gleaming hardwood floor.

Country Properties in Central VA

The neutral tone walls and warmth of the wood floor makes it easy to find suitable seating styles. Along with a couple of paintings on the wall, this living room is the best place to have guests, or simply hang out and enjoy the view outside.

Experience the full benefit of this home’s super country kitchen

This home has a kitchen to be proud of. Featuring granite countertops, maple cabinetry, a pantry, a Bosch dishwasher, a Sub Zero refrigerator, a Thermador oven, a Jenn Air cooktop, a surface grill, a kitchen island and a breakfast bar, this kitchen is clearly designed with entertaining in mind.

Real Estate Properties for Sale in Central VA

Recessed lighting adds drama to this exceptional kitchen. A breakfast room is set beside this kitchen, overlooking the spacious backyard through the large picture windows.

Relax and entertain in the fabulous family room

When you need a bigger space, the family room of this home is the best place to entertain. Airy and spacious, your guests can easily mix and mingle in this room without a concern for space.

Country Property for Sale in Central VA

Featuring a fireplace, it is the spot to gather when you wanted to enjoy the warmth on cold nights. The gleaming hickory floors certainly add warmth to this room, along with the ceiling moldings and recessed lighting. It also has large windows, giving you stunning views of the countryside wherever you sit.

Fit for private entertaining and comfortable living, this functional yet sophisticated space invites the best of relaxation.

Own your private space in this home’s expansive master bedroom

The master suite, with its tray ceiling, wood floors and wide windows, is elegant and inviting. It is also super spacious, it can fit two large bedrooms inside.

Country Property in Central VA

This home for sale in Somerset’s master bedroom also has a sitting area that overlooks the back yard. It’s the perfect spot to relax or read a book.

Imagine waking up in the morning with the scenic view of your own front yard greeting you! Turn this room into a private retreat and surround yourself with everything that inspires you.

The master bathroom is practical and efficient, but with a touch of sophistication. With ceramic tile floors, double vanities,  a jetted tub and a walk-in shower, you will look forward to a nightly soak with your favorite bubble scent.

You’ll love the hand painted tiles with bluebonnets right by the tub. It is a personal touch that shows an artistic style.

Central VA Country Property for Sale

The other three bedrooms of this home are bright and well-appointed.

The second bedroom is called the Virginia room and its ensuite bathroom has tiles with dogwood flowers for the state of Virginia.

The third bedroom, on the second level, is called the Louisiana room and features tiles hand painted with magnolia blossoms.

The fourth bedroom is the Montana room, and its ensuite bathroom has tiles with hand painted bitterroot flowers.

More living spaces!

This home is truly exceptional and offers plenty of living space.

It has a well-spaced home office where you can setup cabinets and a table, so you can work more efficiently because it allows for privacy and security.

Country Properties for Sale in Central VA

There is also a large laundry room between the kitchen and the garage that offers plenty of cabinets for storage.

The landing on the second floor is large and can be used as a second living area, or a study place for the kids.

There is also an unfinished basement that measure 3,000 square feet. If you love DIY jobs, this is the best time for you to work on your skills. Or if you prefer to have it done as fast as possible, hire a handyman.

You can install a fireplace, a kitchen and a full bath. It can become a great entertainment area or a game area if you wish.

A 3-car attached garage rounds off the interior living spaces of this home.

Enjoy your very own outdoor oasis

Another treasure of this home is its paved patio in the backyard.

Set this patio up with some well-chosen outdoor seats and furnishings, and you will have the best spot for retreat and relaxation.

Invite your friends over and have wonderful parties and get-togethers on this patio with a spectacular view.

Central VA Real Estate Properties for Sale

Your children will surely love running and playing in this home’s splendid backyard.

This home is exceptionally maintained, one you shouldn’t let pass by!

All its amazing features and amenities are yours for ONLY $699,900.

If you would like to see more properties in this town and other surrounding areas, check out https://www.jumpintogreenerpastures.com.

In the market for a home here in Somerset or other Central Virginia counties? Call me, Pam Dent at (434) 960-0161. Let me help turn your real property dreams into a reality.

 

In case you can not view this video here, please click the link below to view 10118 Jacksontown Rd Somerset VA 22972 | Central Virginia Country Property for Sale on my YouTube channel: https://www.youtube.com/watch?v=AyGl7CAWX5A&feature=youtu.be

Social



Contact Pam

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


Real Estate Site Map