PAM DENT

Jump into Greener Pastures


434-960-0161
[email protected]
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How Do You Prepare to Buy Your First Home in Charlottesville, VA?

The world of real estate can be daunting, but with enough preparation, anyone can make the dream of purchasing their first home a reality. 

To prepare to buy your first home in Charlottesville, VA, research the real estate market trends in the area. After that, you should contact a mortgage professional who will calculate how much you can spend on a down payment, monthly mortgage, and closing costs. Getting pre-approved for a home loan is essential for a smooth home buying process.

Finally, to guide you through the complicated journey of buying your first home, get in touch with an experienced local realtor in Charlottesville.

Home Buying Process Steps

What Is the First Step You Should Take Before Buying a Home for the First Time? 

The first thing you should do is learn about the available programs from the state Virginia Housing (formerly Virginia Housing Development Authority or VHDA). These programs are geared toward first-time homebuyers.

First-time homebuyers in Virginia have access to a wealth of benefits and grants (no pun intended) that make your  purchase possible:

  • Down payment grants 
  • Zero down payment
  • 30-year fixed-rate loans
  • Federal tax breaks

Eligibility is dependent on these criteria:

  • No history of homeownership in the past three years
  • Credit score of at least 620
  • Compliance with maximum income and loan limits
  • Property will serve as your primary residence
  • Completion of homeownership education class
Charlottesville, VA Homes

What Are the Steps in the Home Buying Process? 

If you’re looking into buying a home in Charlottesville, Virginia, it’s best to know and understand each step in the process first. 

1. Calculate What You Can Afford

Before you start shopping for a home, calculate how much you can spend on a house and your monthly mortgage. A mortgage professional is essential to assist you with this.

2. Get Pre-approved for a Mortgage

Getting pre-approved for a mortgage will let you know exactly how much money you can spend on purchasing a home.

Working With a Real Estate Agent

3. Come Up With a Wish List for Your Home 

Having a wish list with all the features and amenities you want will help narrow down your home options. However, remember that you might need to compromise according to your budget, particularly in the current low inventory real estate market.

4. Find an Experienced, Local Real Estate Agent

You don’t have to go blindly into buying your first home! Working with a local real estate agent will help make the home buying process smooth and efficient. 

5. Search for Charlottesville, Virginia Homes for Sale

A real estate agent will introduce you to homes that fit your budget and comply with your wish list.

6. Negotiate an Offer

A critical step in the home buying process is making the offer. Real estate agents specialize in negotiating the sale’s price, terms, and conditions in favor of their client.

Your trusted mortgage professional can give your specific advice for your situation….Learn more at https://t.co/U1NBwT1v5n pic.twitter.com/TIu3UGxjFj

— Pam Dent – REALTOR® (@pamdent) February 24, 2022

7. Get Mortgage Approval

Once you have a home under contract, get back to your lender to proceed with the mortgage.

8. Order a Home Inspection

Ordering a home inspection will help you identify whether any major repairs need to be made to the home and any potential or existing conditions that affect the property’s value.

An inspector should advise you on the necessary maintenance and upkeep.

9. Complete the Closing

Once all the above steps are done, expect to sign a lot of paperwork to complete the transaction.

Buying a Charlottesville, VA Home

What Do You Need to Buy a House for the First Time in Virginia?

Here are some things you need to do when buying a home in Virginia for the first time.

1. Do Your Research

To buy a house for the first time in Virginia, you need to do your research. 

Before settling in the city of Charlottesville in Central Virginia, make sure that the Charlottesville lifestyle is right for you. 

Charlottesville, VA is a thriving community that values arts and culture and innovation grounded in tradition. Residents get a balance of urban and rural living, as just beyond the city lines lie acres of family farms and rolling hills.

Before you hire a real estate agent, visit websites and read newspapers and magazines to get an idea of available real estate listings in Charlottesville. Follow all the homes you’re interested in, and check back to see how long they stay on the market. 

This will give you an idea of the current housing market in Charlottesville, VA.

2. Calculate Your Budget and Save Up

Buying a house means that you need cash to make a down payment. You’ll also need to save up for upfront costs such as:

  • Mortgage applications
  • Real estate agents
  • Lawyers
  • Home inspections
  • Moving expenses
  • Insurance
  • Closing costs (interest, property taxes)
  • Starting utilities
  • Emergency funds

Because of these many expenses, you need to figure out exactly how much you can afford, taking into consideration average home prices in Charlottesville, your income, expenses, and goals.

Down payments on homes range between 3.5% to 20% of the total cost of a property. This will depend on a homebuyer’s:

  • Mortgage interest
  • Credit score
  • Income
  • Current financial situation
  • Type of loan

To figure out the hypothetical downpayment for a home, find the average price for a home in Charlottesville, VA, and take 20% of that rate. According to Realtor.com, the median listing home price for Charlottesville, VA homes is $437,000. Or better yet reach out to a mortgage professional who can calculate how much you are able to spend and what loan product is best for you.

As for closing costs, they are calculated approximately 2% to 5% of the purchase price.

3. Attending Homeownership Education

Attending free homeownership classes is essential to not only qualifying for a home loan but will also help you understand your personal finances.

As a general rule of thumb, it’s recommended that buyers aim for a property that costs no more than  2.5 times their gross annual salary.

Homeownership education will also help you create a personal spending plan that works for your personal goals.

Buying a Charlottesville, VA Home

4. Preparing for a Mortgage

Since buying a home for the first time is a major investment, you will need to prove your financial capacity through your credit score, income, assets, and equity.

The credit score is used by lenders to determine the “creditworthiness” of borrowers or simply their capacity to repay the debt. A high credit score means that a person is financially trustworthy, while a person with a low credit score will have a more challenging time securing a loan.

There are several ways to improve your credit score to avoid any problems with securing a loan:

  • Paying your balances
  • Requesting a credit limit increase
  • Check for errors in your reports

Otherwise, another solution to buying a home with a poor credit score is to save up for a larger down payment. An additional option would be to apply for a Federal Housing Administration loan, which allows homebuyers a minimum credit score of 580 and a credit score of 3.5%.

To avoid any problems in the home buying process, get pre-approved by your lender. Remember that sellers do not tend to work with potential buyers who have not yet secured pre-approval.

Whether selling or buying your dream home, always hire the best real estate agent you can trust. 🏠💯

👩‍💼Pam Dent – REALTOR®
✅Gayle Harvey Real Estate Inc.
📞434-960-0161#PamDent #CentralVirginiaRealtor #QualitiesOfBestRealEstateAgent #TopCentralVirginiaRealtor pic.twitter.com/xSR3UmzMov

— Pam Dent – REALTOR® (@pamdent) February 24, 2022

5. Work With a Real Estate Agent

The best way to prepare for the intense journey of buying your first house is to get the guidance of a professional real estate agent. Working with an agent means that you’ll most likely find a home that suits your budget and needs from the get-go.

Buying a home can be complicated and overwhelming, especially if it’s your first time. A real estate agent will help you deal with legal paperwork, clean up your credit score, and find financing.

Since you’ll be working with an experienced professional, you’ll save hundreds of hours researching properties, the neighborhood, local zoning laws, and even assessing a property’s physical condition.


Final Thoughts

A real estate agent will work in your best interests to secure a deal in line with your price range and future goals. If you’re hoping to buy your first home in Charlottesville, VA, get in touch with me, Pam Dent, at 434-960-0161. 

Filed Under: Blog, Charlottesville, Charlottesville VA Homes Tagged With: Charlottesville real estate, Charlottesville VA Homes for Sale, Pam Dent

117 Middlebrook Rd Staunton VA 24401 | Virginia Historic Home for Sale

Enjoy the best country life in this gorgeous historic farm!

Own a historic home and 90+ acres of property in this Central Virginia property. With its 5 bedrooms, 3 full baths, 2 half baths, living room, dining room, country kitchen, den, recreation room, and more, you have everything you could wish for in a country home and farm. The rolling pastures and grasses are ready for your livestock. The land has a fenced-in pasture for cattle.

This historic property can be yours for $999,100.

Call me, Pam Dent at (434) 960-0161 to schedule a showing of your next country home.


Overview
Maps
Photos
Features




















$999,100
Single Family Home
Main Features
5 Bedrooms
3 Full Bathrooms
2 Half Bathrooms
Interior: 3,976 sqft
Lot: 3,956,990 sqft
Year Built: 1768
MLS #: 601196
Location
117 Middlebrook Rd
Staunton, VA 24401
USA

Pam Dent - REALTOR®

Pam Dent – REALTOR®

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

       




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In case you cannot view this video here, please click the link below to view 117 Middlebrook Rd Staunton VA 24401 | Virginia Historic Home for Sale on my YouTube channel: https://www.youtube.com/watch?v=zWfj1-NQGag&feature=youtu.be

Filed Under: Blog, Central Virginia Historic Homes, Pam Dent Tagged With: Historic Homes for Sale, Homes for Sale, Pam Dent

117 Middlebrook Rd Staunton VA 24401 | Virginia Historic Home _ Now SOLD

History and convenience meet in this ideally-located Virginia country property

Set amidst wide, open spaces is a stunning historic home that offers 90+ acres of gently rolling pastures and woodlands. It’s also in a great location just outside the Staunton city limits, giving you easy access to conveniences. Rarely does a property of this size and location come to the market!

Central VA Historic Homes

Built in 1768, this 2-story historic home’s stunning brick architecture is amazing. It features 5 bedrooms, 3 full baths, 2 half baths, and 5 fireplaces in its 3,976 square feet of living space. You’ll love the modern updates, graceful rooms, and high ceilings. 

Immediately surrounding the house is an idyllic setting with large trees and established landscaping, offering a relaxed and serene ambiance. 

This Historic property in VA has so much potential! The rolling pastures and grasses are ready for your animals. The land is also mostly in pasture fenced for cattle. 

If you’re looking for a conveniently-located country estate or a farm close to town, this property could be the one for you. 

Enjoy excellent craftsmanship and inviting living spaces in this historic Central VA home

Set just off of Middlebrook Rd, a long driveway leads you to the home. Surrounding tall mature trees provide privacy.

Central VA Historic Homes for Sale

Feel right at home as soon as you step into the large foyer which sets the tone for this gracious residence.

Historic Real Estate Properties in Central VA

Enjoy easy entertaining in the spacious living room that glows with the warmth of the hardwood floors. 

Large windows let in plenty of light, giving this room a cheerful and inviting appeal. The fireplace is ready to warm you up on cold nights. Off this room is a small garden that can be accessed through the French doors. 

Central VA Historic Real Estate Properties

The elegant dining room provides an exquisite setting for entertaining or holiday dinners. 

Are you expecting your friends and loved ones? Not to worry. The majestic scale of the dining room allows for a table large enough to seat family and guests. Imagine dining with the sparkle of candles on the table and the glow from the fireplace.

Central VA Farms

You’ll love the welcoming feel of the country kitchen. The beamed ceiling adds character, and the floor area provides more than enough space for you and your loved ones to gather. This kitchen comes with a lot of storage spaces and ample space for a breakfast area. Plus the fireplace adds to the casual atmosphere.

Farms in Central VA

The den with a fireplace and built-in bookshelves offers a cozy and inviting space to relax, enjoy your favorite drink, or curl up with a book in the evening. 

Farms in Central VA

This Virginia country home also has a spectacular recreation room with doors leading to the terrace. Set up a pool table or a game center. There’s enough space to enjoy your favorite activities. Off this room is a half bath for your convenience.

Central VA Farms

The best part of the day is when you get to rest and relax in the elegant first-floor master suite of this country home. This roomy master suite offers a sitting area, plenty of windows, and an ensuite bathroom.

Central VA Farms for Sale

The generous proportions continue on the second floor which offers 4 additional bedrooms and 2 more full baths.

Historic Estates for Sale

Do you require a study area? This home has an ample-sized landing ideal as a study space or additional sitting space. 

A laundry room, slate terrace for serene summer suppers, and a lovely yard with a small garden and fish pond complete the features of this Virginia farm. 

A Virginia farm that has everything you want

This is a home you don’t want to miss! It’s a complete package, offering you everything you’ve dreamed of. 

This farm is conveniently located less than three miles from Staunton, giving you easy access to shops, retail stores, schools, the Woodrow Wilson Presidential Library, museums, and more!

Enjoy ultimate privacy, serenity, space, and lovely country views in this Central VA farm. 

Call me, Pam Dent, at (434) 960-0161 to set a showing of this historic farm today.

In case you cannot view this video here, please click the link below to view 117 Middlebrook Rd Staunton VA 24401 | Virginia Historic Home for Sale on my YouTube channel: https://www.youtube.com/watch?v=zWfj1-NQGag&feature=youtu.be

Filed Under: Blog, Pam Dent, Staunton VA Historic Home for Sale Tagged With: Historic Home for Sale, Pam Dent, real estate properties for sale

What Do You Do If Your House Isn’t Selling?

Do you feel discouraged when your home stays on the market for a long time and can’t even get a single buyer to make an offer on it? Are you worried that your Charlottesville VA home for sale may become an expired listing soon?

In this article, you will discover the actions you can take when your house doesn’t sell. 

There is no need to panic when your Charlottesville VA home doesn’t sell. Changing your sales strategy, selling for less, and considering a short sale are just some of the things you can do when your property doesn’t sell immediately. When your timing isn’t right, you may even consider waiting to sell.

Keep reading to learn more about your options when your house doesn’t sell and turn your disappointment into a sigh of relief!

Why is your Charlottesville home not selling?

In a perfect world, home selling is a predictable process where you put your house on the market and get an offer after scheduling a bunch of showings. Unfortunately, it doesn’t always work that way.

Probably, you are reading this article because you are one of those sellers who are left wondering why your Charlottesville VA home just won’t sell, no matter how much you try to get the word out and get offers. Here are some of the possible reasons your house isn’t selling:

·         It’s not the right market

When you sell your home, consider the time of year you are listing and whether it’s a buyer’s market or a seller’s market. These real estate market trends play major roles in how fast a home sells.

If you want to avoid a stagnant sale process due to bad timing, it’s imperative that you are strategic when you list. Sometimes, it’s even better to wait and get on the market when you know your chances for a quicker sale are already high than to put your home on the market too early and let your listing get stale.  In the Central Virginia area our hottest market when there is the largest number of people looking at homes is in the spring. However, during the winter there are usually fewer homes on the market and therefore less competition.

·         Your home for sale in Charlottesville is priced too high

If your home is priced well above the comps in the neighborhood, expect potential homebuyers to pass it over. Since purchasing a home is a huge financial investment, buyers generally don’t take an interest in homes that are overpriced. If other homes in the neighborhood are selling but yours isn’t, that’s a tell-tale sign that your home is priced too high.  

·         Your listing is either insufficient or out-of-date

Sometimes, the reason why your home isn’t selling is that your listing is not doing your Charlottesville VA home justice. Remember, your listing is where potential homebuyers go first when they’re interested in your property. If your listing is insufficient or outdated, that can be a huge turn off for buyers.  Having good photographs that show your home in its best light is key. Most buyers start their home search online, looking at listings and photographs. Depending on what they see they will then contact an agent and give them a list of properties that they want to see. Without good photographs they will never make the decision to see your home in person.

·         Your home is in poor condition

One of the most common reasons a home doesn’t sell is its lack of aesthetics. Homebuyers can easily spot if your home needs repairs and some deep cleaning, in the same way that they can spot if your home is decorated too boldly.

Buyers are only interested in turnkey homes, or at least those that won’t cost them a lot for repairs and design. If your home isn’t selling, then it’s probably because you have failed to present it in its best light before putting it on the market.  Remember that you only have one chance to make a firs impression.

What can you do when your home isn’t selling?

When you think you’ve already tried to do everything right but your home still won’t sell, it’s time to get the ball rolling and think about what you can do to boost buyer interest in your property. When the waiting period for your property to sell is already much longer than you expect, then the situation dictates that you finally need to take action.

Here are some of the things you can do when your house isn’t selling:

·         Get an up-to-date professional valuation and price your home right

The price is a major swing factor for potential buyers. Most of the time, even if a Charlottesville home ticks all the boxes—from a great neighborhood to good schools, if it’s overpriced, chances are buyers will rather opt for something else nearby.

If you don’t want homebuyers to pass your home over, get a property valuation and make sure that your property falls in a more realistic price bracket.  You may either opt to contact a real estate agent for a broker price opinion or hire a licensed appraiser.  

·         Put your Charlottesville VA home on the auction block

If you’ve done all you can but still can’t get offers on your home,  you may consider auctioning it off. Property auctions are usually transparent and secure and have no hidden catches, making them an appealing sales channel. During a property auction, the buyer and the seller exchange contracts inside the auction room with other investors and developers around. As long as you price your property right, there’s a huge chance for your home to be sold by the end of the bidding.  One thing that I have noticed is that the majority of the properties that go to auction end up selling for a significantly discounted price.

·         Host an open day

Hosting an open day may be an effective way to drum up sales interest in a property. This especially rings true for sellers who have struggled for some time without compromising too much on the price. You can ask your professional real estate agent to set up this event for you and use her expertise to attract interest and to guide your visitors around.  This tactic works best for a home in a neighborhood where there is a lot of drive by traffic.  

·         Offer incentives to buyers

Another good way of boosting buyer interest in your property is by putting a considerable amount of money into the transaction, including state or county transfer taxes and lender and settlement attorney fees offered to buyers. Sometimes, these fees serve as stumbling blocks for potential buyers. Other incentives that we see are allowances for repairs or remodeling.

If you offer to pay up some of these expenses, it might help remove what’s holding buyers back from buying your home and ultimately they will agree to close the deal with you.  

·         Rent out your home

If you have already moved to your new home but your old home is still on the market, then you may have already grown tired of paying two mortgages at the same time. If this is your case, you may want to rent out your home so you can buy some time and save money until you decide it’s time to put your Charlottesville VA home on the market again.  If you decide to go this route, and you still want your home to be shown to buyers, it is necessary to put something into your rental agreement outlining the terms under which the tenants will be required to allow your home to be shown.  

·         Target buyers who are looking for rent-to-own homes

If homebuyers aren’t biting despite all your marketing efforts, then it might be time to target people who are looking for rent-to-own properties instead. Although this process isn’t as clean and financially secure as selling the property outright, it can help you speed up the process of selling your home, only that you’re selling it to a buyer who is looking for an alternative to purchasing with a mortgage. This is a more complicated process so it will be helpful to have the guidance of a real estate professional who is knowledgeable with the ins and outs of this type of transaction.

The advantage of choosing this option is that even if you don’t get the full purchase price of your home at the time of the sale, you can be assured that you will still have a steady flow of income as the tenant-owner makes his monthly payments.  

·         Wait to sell

Sometimes, no matter how much effort you put into winning the interest of homebuyers, you just can’t get them to want to buy your home. If that’s the case, then the problem might be the timing of your sale. 

You might be selling your home during a period of excess inventory, so buyers are inundated with options that are drowning out yours.

When this happens, the best thing to do is to discuss with your real estate agent if taking your home off the market for a bit will help. With the help of your agent, find out what the current inventory in your market is and ask her when the peak seasons are. 

Once you realize your timing is off, better un-list your home temporarily and try putting it back on the market at a more optimal time. Always keep in mind that when it comes to home selling, timing is everything. That’s why sometimes, the best approach is to take a step back and try again at a different time.

While I know how frustrating a stalled-out sale can be, I know there are options to ease the pain while you wait for the best offer on your Charlottesville VA home. Call me, Pam Dent, at 434-960-0160 and I will help you decide on a new strategy that will better help you close the deal. I know the Charlottesville VA market inside out and I can be your eyes and ears throughout the home selling process.

Filed Under: Uncategorized Tagged With: Home Selling, Homes for Sale in Charlottesville VA, Pam Dent

Do You Have to Pay Taxes on the Sale of Your Charlottesville VA Home?

Whether you are moving into a bigger home after outgrowing your starter home or downsizing, selling your home in Charlottesville VA is just as major a life decision as buying a new home. Selling the place you’ve called home for many years is a huge deal, especially when you start figuring out the taxes involved in a home sale.

If you are selling a home for the first time, you probably are wondering if you have to pay taxes on the sale of your home. Knowing how much taxes you need to pay—if there’s any—is important when selling a home because it will impact your finances for the many years to come.

In this article, you will discover everything you need to know about the taxes on selling a house, including tax breaks, reduced exclusions, reporting your home sale on a tax return, and determining the total profit of your home sale.

When you sell your home, you may be required to pay taxes on the money you earn from the sale. The good news, however, is that there are certain exceptions that may result in you paying very little or no tax at all.

Read on if you want to know if you owe taxes on the sale of your home.

Are You Required to Pay Taxes When Selling Your Home in Charlottesville VA?

As I said, there’s a chance you will have to pay taxes out of the money you earn from your home sale after you’ve sold your home. However, there’s also a chance for you to pay very little or nothing at all.

If you have lived in your home for two of the five years directly before you decided to sell it, the first $250,000 of whatever profit you make on the home sale is free of tax. This amount increases to $500,000 if you are married and you and your spouse file a joint tax return.

Note, however, that what we are talking about here is the first $250,000 (or $500,000) of the profit you make and not the income, so that means the tax is based on what you gain from the home sale and not on the total amount of money you make from the home sale.

There’ll be quite a bit of difference if you sell your Charlottesville golf home for less than $250,000 more than you purchased it for and if you’ve lived there for at least two of the previous five years. In that case, you don’t owe any taxes on your home sale.

How do you determine the profit on your home sale?

Now that you know when you need to pay taxes on your home sale, the next question is how do you determine the profit you make from selling your home? Remember, calculating your profit is necessary to determine if you owe taxes on your home sale. It may sound easy as pie, but calculating profit from a home sale is not as simple as subtracting the price paid from the sale price.

To determine your profit, the first thing you need to do is to figure out the cost basis for your home. As you do this, consider not only the total amount that you spent when you bought your home but also the amount you spent on renovations and improvements. If you spent an additional $20,000 when you added an extra room, then you need to add $20,000 to your cost basis.

Once you’ve calculated that, the next thing to take note of is how much you sold your home for. To get that amount, you need to deduct all the fees you paid, including the closing costs and realtor fees when you sold it. That means if you sold your home for $300,000 and paid $10,000 in closing costs and realtor fees, then the amount you earned on your home sale should be $290,000.

Now that you know how much you earned from your home sale, the next thing to do is to subtract your cost basis from this amount. In our example, your profit is $70,000 because that’s the result you get when you subtract $220,000 from $290,000.

Based on the rule, if the amount is less than $250,000, you won’t owe any taxes on your home sale. In this case, $70,000 is less than $250,000, so there is no need for you to pay taxes on your home sale.

How do you qualify for home selling tax breaks?

If we look at the example above, it may look like it’s so easy to sell a home and not to have to pay taxes at all. Actually, there are three basic requirements you need to meet if you want to qualify for the above tax break. Only when you meet these three qualifications will you be eligible for the tax break. Here are the requirements:

·         You must have been the owner of the home you are selling for at least two years. If you’ve been the owner of that home for less than that, then you cannot qualify for the tax break.

·         The home you are selling must have been your primary residence for at least two of the past five years. This is the reason why vacation homes and rental properties usually don’t qualify for tax breaks.

·         You must not have used this tax break for the sale of another home within the past two years. Tax breaks can only apply to one property, so it doesn’t really matter if you are selling multiple properties at the same time.

How do you qualify for a reduced exclusion?

If you don’t meet all of the requirements to qualify for home selling tax breaks, there’s still hope. Through a reduced exclusion, you still get to claim part of the tax break even if you are not totally eligible for the tax break. For instance, if the requirement is that you’ve lived for at least two years in the house you’re selling but you’ve only lived in your home for one year, you could still be exempt—but only for $125,000 of any profit you make from your home sale.

It isn’t that easy to qualify for a reduced exclusion though. To qualify for this benefit, you need to present a valid reason for not being qualified for the tax break. Examples of valid reasons include employment change, health reasons, or any unforeseen circumstance that leaves you with no other choice but to put your home on the market sooner than expected.

How do you report the sale on your tax return?

Unless you assure your real estate closing company that you will not owe taxes on your profit, you will receive a Form 1099-S when you make your home sale. Here is where you will report your home sale. If you happen to receive this form even when you are qualified for the tax exemption, you’ll need to report your home sale even if it doesn’t necessarily mean you owe taxes. Any profit that goes above or does not qualify for the exemption is taxed as a capital gain. 

So how do you avoid capital gains tax on your home sale?

Considering the factors needed to qualify for a tax break, here are the three important things you need to do to avoid having to pay taxes on your home sale:

1.   Live in your home for at least two years before selling it

This is easy to do, since the two years don’t necessarily have to be consecutive. Selling in less than a year will cost you a lot because you could be subject to the short-term capital gains tax, which is higher than the long-term capital gains tax.

2.   Verify whether you actually qualify for an exception.

If you have a taxable gain on the sale of your home, you can still exclude some of it if you have a valid reason for selling your home sooner than anticipated.

3.   Keep all the receipts for your home improvements.

Remember that the cost basis of your home does not only include what you paid to buy it, but also the improvements you have made over the years. The higher your cost basis is, the lower your exposure to the capital gains tax is. Examples of things that can cut your capital gains tax are remodels, new windows, new driveways, air conditioning installs, expansions, etc.

In conclusion, the question of whether or not you need to pay taxes on the sale of your home depends on your qualifications. While it’s possible you’ll need to pay taxes on your home sale, chances are you won’t have to, if you meet all the three requirements we’ve discussed.

By meeting just a few simple requirements, you can get up to $250,000 of your profit from your home sale tax-free, and this can even jump to $500,000 if you and your spouse file jointly. 

Please be sure to check with your financial advisor, CPA or tax consultant to see how the sale of your home best fits in with your financial plan and what tax benefits you may qualify for.

If you are selling your home in Charlottesville VA and you need someone to assist you with your home sale, call me, Pam Dent, at 434-960-0161 today.

Filed Under: Uncategorized Tagged With: Home Selling, Homes for Sale in Charlottesville VA, Pam Dent

What Should You Do Before Selling A House?

Selling a house is a process so complex that whether you are a first-time home seller or not, you will probably have a bunch of questions as to how to go about it. In this article, you will learn the answers to those questions and more as I prepare you for your home sale.

What are the things you need to know before selling your home?

When it comes to selling, knowing the value of your house and exercising patience and restraint are crucial. Before you put your house on the market, get it appraised by a licensed appraiser and/or a broker price opinion from a real estate agent so you can price it right. If you don’t want complications during your sale, you may also deem a home inspection necessary. As you discover issues during the pre-sale home inspection, you will have more control over how to handle these problems.  Many sellers choose to fix those deficiencies before putting the home on the market as they may come up later during the buyer’s home inspection.

If you uncover problems with your home during a home inspection, it is essential that you familiarize yourself with the disclosure laws in your state to avoid future litigation. While these laws generally require sellers to disclose either verbally or in writing, the presence of hazardous materials in your home or flaws in construction, they vary from state to state. It would be best if you consult a real estate agent, a lawyer, or your local housing authority if you are not sure of what you need to disclose to potential homebuyers.

Another thing you need to remember as a seller is that patience is key. I won’t argue that agents like us express concern that homes can go stale after lingering on the market for too long because that means they are not attractive enough to draw interested buyers. However, a stale sale usually results from a seller overvaluing his or her home. In some cases, the opposite can occur: in a rush to find a buyer, a home is undervalued. That’s the last thing I will ever wish to happen to you.

Lastly, if you’re able, try marketing your home and getting it under contract before you buy a new one. This is because if you buy a new one without having a sure buyer for your previous home, you may end up paying two mortgages at the same time.  Also many sellers will not accept a contract with a home sale contingency, but will accept one that is contingent on the successful closing of the buyers home that is currently under contract.

Do you need a real estate agent to help you sell your home?

Now that we’ve gone over the basics of selling a home, let’s consider an old debate: Do you need a real estate agent to assist you with your home sale?

If you’re selling your home this year, you’re lucky. Every passing day, the internet makes it much easier to sell a home without an agent. Despite that, however, most successful home sales are still done with the help of a real estate agent usually resulting in more money for the seller.

If you are selling a home in Charlottesville, VA, here are the many reasons why you should hire an agent.

·         Education and experience

RealtorsⓇ like us understand how complicated home selling can be. If you are new to home selling, you may be overwhelmed by the process and all the paperwork involved, so it helps to have someone experienced to assist you every step of the way.

·         Saves time and energy

If you have an agent, you will not have to do everything by yourself. This will help you save time and energy since you won’t have to spend time scheduling and conducting tours of your home, which usually cut into your work or weekends.

·         Discerning serious from non-serious buyers

Since we are experienced in real estate, we can easily distinguish between serious homebuyers and not. If you sell your home without an agent, it may be difficult for you to discern whether a buyer is really interested in buying your home or is simply looking.

·         Understanding  the market

As a seller, it is imperative that you understand the market before you sell your home. A good agent knows the market and understands trends, so rest assured that I can help your bottom line.

·         Negotiation

Not all home sellers have the ability to negotiate. Negotiation is a skill, more than anything else. If you hire me as your agent, you can take advantage of my negotiating skills to help you get the best price for your home.

·         Professional network

Selling a home is a multifaceted process, and it usually takes more than just an agent to make the transaction successful. My contacts with other real estate industry professionals like contractors, inspectors, landscapers, and the like can help you solve whatever problem you may encounter as you go through the home selling process.

·         Realtor only open houses

Agents like us conduct open houses just for buyer agents. During these events, buyer agents come often in groups and check out the house. Because this is usually just a quick process, it is more convenient for the seller than conducting a traditional open house.  The agents are looking at the home to decide which of their clients could be a good fit for your property.

What should you do before selling a house?

Whether you are relocating for work, making room for your growing family, downsizing, or moving to a more desirable neighborhood, you will need to take steps to ensure that your house is ready to sell. Regardless of the season or current economic conditions, there are several strategies you can use to help sell your home fast. Here are the things you need to do as you prepare to sell your home:

·         Research your local housing market

If you’ve lived in your current home for a long time, then you probably have a general idea of the housing prices in your neighborhood. Despite that, it’s still best to do some research on housing activity in your area. One good source for local and regional housing statistics is the National Association of Realtors (NAR).

As you do your research, search for comparable homes in your neighborhood so you’ll have a general idea of what the competition looks like. Examining the number of bedrooms and bathrooms and other features are essential when seeking out comparable properties. You can also visit open houses if you want to go the extra mile in reviewing similar properties.  Your real estate agent can also perform a comparable market analysis to assist with pricing.

·         Boost your curb appeal

As a seller, remember that for homebuyers, first impressions always last. Although significant landscaping updates are not really a major factor in a homebuyer’s decision making, it helps avoid anything that could detract him or her from that positive first impression.

·       Declutter

Getting rid of the clutter includes removing all personalized photos and other knickknacks. This step does not necessarily require a major renovation of your home—just a fresh coat of paint and some minor repairs are enough. Also decluttering and perhaps removing some items of furniture can contribute to making the rooms seem more spacious. Remember that your goal is to leave potential buyers with a good first impression, so don’t set a showing unless you are confident that your property looks clean, fresh, and well-kept.

·         Set a reasonable asking price

Pricing your home right from the start is important if you want to attract buyers instantly. Do not make emotional decisions by anchoring your asking price to the previous value of your home. Instead, stick within reasonable price limits to attract more offers.

·         Prepare all necessary documents

Preparing for a home sale isn’t just about preparing your home for sale but preparing yourself for future inquiries as well. Because of this, you must be ready to present all the documents that potential buyers, your listing agent, or lawyer may request down the road.

Marketing is important

Marketing your home for sale is more than just putting a sign in the yard.  You will need professional quality photographs. Buyers will be looking at your home on the internet before making the decision to come see it in person.  Good photographs are key. You may also want to have aerial photos or a drone video depending on the property. Your real estate agent will be able to put your property into the mls and will market it to other real estate agents.  It is important that all of the area agents are familiar with your home so that they will show it to their clients. In addition to the mls, your home will be added to numerous internet sites.

·         Market your home on social media

Giving your home as much social media exposure as possible is necessary to reach potential buyers. You can expose your home to potential buyers by listing it on popular real estate websites, uploading YouTube videos of your home, joining Pinterest groups, and blogging. Facebook is also a valuable site if you want to get the word out that you are selling your home.

While it is true that selling a home can be stressful, there are things you can do before selling your home that will definitely make it easier for you to seal the deal. These things require very little effort, but only if you have a trusted real estate agent behind you. If you need a real estate agent you can trust in Charlottesville, VA, feel free to contact me, Pam Dent, at 434-960-0161 today.

Filed Under: Uncategorized Tagged With: Home Selling, Homes for Sale in Charlottesville VA, Pam Dent

NOW SOLD! 1100 Mill Pond Rd Faber VA 22938 | Historic Central Virginia Country Home for Sale

Own a piece of history in this Central VA historic country home!

This property has been sold!

Gorgeous wooded views, vintage architecture, beautiful updates, and ultimate privacy are yours in this meticulously updated historic home for sale in Central VA. Located on more than 24 acres, this 2-story Colonial home features 3 bedrooms, 2.5 bathrooms, 6 fireplaces, 12′ ceilings, and more. 

Entertaining is easy in its light-filled sitting rooms. There’s also an English basement, a spacious kitchen, loft bedrooms, a recreation room, an outdoor shed for an office and additional storage, and more!

Don’t miss this chance to own a historic home in Central VA!

Make it yours for ONLY $520,000.

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




Overview
Maps
Photos
Features




















$520,000
Single Family Home
Main Features
3 Bedrooms
2 Full Bathrooms
Lot: 1,065,478 sqft
Year Built: 1755
MLS #: VANL100306
Location
1100 Mill Pond Rd
Faber, VA 22938
USA

Pam Dent - REALTOR®

Pam Dent – REALTOR®

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

       




Our recent listings
Single Family Residential | $1,190,000 | Mount Crawford, VA
Price Reduced! 10118 Jacksontown Rd Somerset VA 22972 | Elegant Virginia Country Home for Sale | $699,900 | Somerset, VA
Brightly | $1,175,000 | Goochland, VA
Single Family Residential | $1,175,000 | GOOCHLAND, VA
Single Family Residential | $549,000 | CHARLOTTESVILLE, VA

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In case you cannot view this video here, please click the link below to view 1100 Mill Pond Rd Faber VA 22938 | Historic Central Virginia Country Home for Sale on my YouTube channel: https://www.youtube.com/watch?v=mXJ42LV6RZo&list=PL3hDkaZjN1QA2cULxmPqMbw0zY7Cbba-N&index=7&t=0s

Filed Under: Blog, Historic Central Virginia Country Home for Sale, Pam Dent Tagged With: Historic Country Home for Sale, Pam Dent

NOW SOLD! 1100 Mill Pond Rd Faber VA 22938 | Historic Central Virginia Country Home for Sale

Stunning Central VA historic estate offers exceptional value, lovely nature views,  privacy, and space –

This home has been SOLD.

Welcome to your dream historic home in Central Virginia! 

Located 25 minutes to Charlottesville is a meticulously updated 18th century estate that offers privacy, space, and the vintage charm you’re looking for.

This historic property in Central VA is set in a glorious setting of over 24 mostly open acres, perfect as a country retreat, a summer getaway, or a primary residence. 

Life is easy in this gorgeous country estate. Its expansive land means you get to enjoy long walks in summer and spring, go on hikes, and indulge in your favorite outdoor activities with your loved ones. There are also plenty of opportunities to observe wildlife. 

Cove Creek runs along this estate so you can go fishing or simply enjoy the relaxing sound of rushing waters. 

If you’ve been looking for a country property that offers a relaxed and laid-back lifestyle, this is the home for you. 

Delight in the excellent workmanship and updates of this historic country manor in Central VA

At the heart of the property is a two-story Colonial home. Built in 1755, this home was meticulously updated with all new systems in 2008. It boasts of superb period workmanship, the charm and character of a historic home, an English basement, 6 fireplaces, welcoming covered porches, 12 ft ceilings. and much more.

Thanks to its generous 3,358 square feet of living space, you get to enjoy 3 bedrooms, 2.5 bathrooms, and light-filled sitting spaces ideal for rest, relaxation, and entertainment. 

Feel right at home as soon as you step on the front porch leading to a gorgeous front foyer with a wooden staircase. 

Invite guests into the spacious living room with gleaming hardwood floors, large windows, tray ceiling, and a brick fireplace that’s ready to warm you up on cold nights. 

The windows let in plenty of natural light, flooding the living room with warmth. Your eyes will be drawn to the serene nature views awaiting outdoors. 

The library offers a bright and cheerful space. Two cabinets provide additional storage for your books and other mementos. On cold days, cozy up to the red brick fireplace as you sip your favorite drink and read your favorite book. 

The spacious master bedroom on the main level offers privacy and personal space. It also has an attached handicap accessible bath and a fireplace to keep you warm. 

Upstairs are two more loft bedrooms designed to accommodate your needs conveniently.

On the lower level is a spacious English basement that houses the updated kitchen. Enjoy generous floor space, stainless steel appliances, a large island for additional counter space, and plenty of storage spaces in this historic home’s country kitchen. A fireplace offers additional source of warmth in the winter. 

Adjacent to the kitchen is a spacious dining room that also features a door leading out to the deck. 

This large dining area is bright yet cozy, a great place for holiday celebrations and dinners with family and friends. It is spacious enough to accommodate an ten-seater table.

Having a recreation room ensures there’s plenty of space to entertain and unwind. A billiard or table tennis table are great additions to this space. 

If you like the idea of a media room, you can convert this room into an entertainment space and have a dedicated place where you can watch your favorite movies. 

An outdoor building contains a home office with attached storage, completing the features of this historic property. 

A conveniently-located Central VA  historic property

In addition to this home’s historic interest, it is also located just half an hour away from Charlottesville, placing you close to shops, transportation, and restaurants. Trinity is also surrounded by area wineries, cideries, and breweries, so there’s plenty of opportunity to go on taste-testing visits. 

Clearly, the relaxed and serene country lifestyle you long for is yours in this exceptional Central VA historic estate!

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

In case you cannot view this video here, please click the link below to view 1100 Mill Pond Rd Faber VA 22938 | Historic Central Virginia Country Home for Sale on my YouTube channel: https://www.youtube.com/watch?v=mXJ42LV6RZo&list=PL3hDkaZjN1QA2cULxmPqMbw0zY7Cbba-N&index=7&t=0s

Filed Under: Blog, Historic Central VA Home, Pam Dent Tagged With: Historic Central Virginia Home, Historic Virginia Home for Sale, Pam Dent

Price Reduced! 2218 Polo Grounds Rd Charlottesville VA 22911 | Home for Sale

Peace and serenity in a beautifully-located country home

Enjoy the best country life in this well-maintained and renovated home that offers ample space and scenic views. Situated on over a 3-acre lot, enjoy 4 bedrooms, 2 full baths, 2 half baths with 4,080 square feet of living space. 

Fall in love with this home’s bright living spaces, multiple decks and porches, cozy family room, office space, recreation room, and more.

This three-story Georgian home offers the best of country living and the convenience of being close to airport, dining, and shopping options. 

Make it yours for  ONLY $499,000. 

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




Overview
Maps
Photos
Features




















$499,000
Single Family Home
Main Features
4 Bedrooms
2 Full Bathrooms
2 Half Bathrooms
Interior: 4,080 sqft
Lot: 131,116 sqft
Year Built: 1990
MLS #: 593246
Location
2218 Polo Grounds Rd
CHARLOTTESVILLE, VA 22911
USA

Pam Dent - REALTOR®

Pam Dent – REALTOR®

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

       




Our recent listings
Single Family Residential | $575,000 | CHARLOTTESVILLE, VA
Polo Grounds | $575,000 | Charlottesville, VA
Single Family Residential | $425,000 | BARBOURSVILLE, VA
Single Family Residential | $1,175,000 | GOOCHLAND, VA
Lot 16 Forest Ct Louisa VA 22942 | Spring Creek Golf Community Lot for Sale | $146,000 | Louisa, VA

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In case you cannot view this video here, please click the link below to view 2218 Polo Grounds Rd Charlottesville VA 22911 | Home for Sale on my YouTube channel: https://www.youtube.com/watch?v=RlQw4NReQdY&list=PL3hDkaZjN1QDMSI27MS7VOcl72O0N-zNG&index=2&t=0s

Filed Under: Blog, Charlottesville Homes for Sale, Pam Dent Tagged With: 4 Bedroom home for sale, Homes for Sale, Pam Dent

Price Reduced! 2218 Polo Grounds Rd Charlottesville VA 22911 | Home for Sale

Welcome to your dream country home in Charlottesville

Nestled in the heart of a country neighborhood and surrounded by scenic nature views is a spacious Georgian home that offers the best of country living and the convenience of being close to airport, dining, and shopping.


Meticulously cared for and beautifully renovated, the home features 4,080 square feet of living space with 4 bedrooms, 2 full baths, 2 half baths, 3 decks, an office space, a bonus room, a recreation room, and an oversized car garage.

Built on more than 3 acres of land, this Charlottesville home offers the privacy and space you long for. The spacious surroundings of the property allow you to have space where you can plant a garden or keep your pets.

If you’ve been looking for a spacious country home that offers convenience and elegant living indoor and out, this home for sale in Charlottesville is what you’ve been looking for.

Own a country home in Charlottesville!

Charlottesville VA Homes

This home is set off the street with a large front yard, framed by two well-sized trees.

Charlottesville VA Homes for Sale

A bright formal living room welcomes family and friends. Its large front window offers plenty of natural light, brightening the space while making it warm and inviting.

You’ll love the wood-burning fireplace and the warm glow of hardwood floors. A door leads to the side deck, giving you the option to open the door to create an extension to your living space when you have a lot of guests.

Homes for Sale in Charlottesville VA

The formal dining room is located at the front of the home off the foyer and is perfect for large gatherings, intimate dinner parties, and celebrations.

Charlottesville VA Real Estate Properties

Enjoy preparing sumptuous meals for family and friends in the spacious kitchen of this Albemarle County home which boasts of granite counters, breakfast bar, and wood cabinets painted in a modern gray shade. This light-filled kitchen is enhanced by under the counter and top of cabinet lighting.

Real Estate Properties in Charlottesville VA

The large breakfast room is directly off the kitchen, and can easily accommodate a six-seater table. This breakfast area has access to a covered porch, providing the perfect spot for summer dinners.

Country Homes in Charlottesville VA

This Polo Grounds property showcases a huge family room located between the living room and the breakfast room, offering more seating spaces when you are entertaining or room for the entire family to gather.

Charlottesville VA Country Homes

You’ll also find that this Charlottesville property has a convenient home office with a separate entrance to the side deck, giving you privacy and quiet.

In addition, the main level has a large powder room that can accommodate a shower if you need one. 

A beautiful master suite for that ultimate retreat

Need a private sanctuary? This country home has got you covered!

Charlottesville VA Country Homes for Sale

The master bedroom is large and offers amazing views of the grounds. Large windows, vaulted ceiling, and a private balcony are yours in this spacious master bedroom.

Country Homes for Sale in Charlottesville VA

The well-appointed master bathroom sports a large whirlpool tub, a walk-in shower, double vanities, and a wall of closets so you have enough space for your bags, shoes, and other belongings.

More living spaces on the third level and basement!

If you think you’ve seen it all, think again! This home has more surprises in store for you.

The third floor holds so many possibilities. You can convert it into a playroom, a studio, a hobby room — the choice is yours.

Charlottesville VA Real Estate Properties

The basement features a large recreation room with space for all your games. There’s enough room for a billiard table or a home theater. Off of this are a half bath and a mudroom with access to the outside and the garage.

Outdoor living spaces for entertaining

Enjoy peace and serenity on any of the multiple porches and deck. The large backyard deck is the best spot to set-up your outdoor grill and enjoy fun-filled barbecue parties with friends and loved ones.

Real Estate Properties in Charlottesville VA

An oversized 2 car garage with considerable room for a workshop with an array of outlets to accommodate all your power tools complete the features of this amazing home on Polo Grounds Rd.

Own this amazing home in Albemarle County!

This Charlottesville property is set in a great community located near Hollymead Town Center, Charlottesville Fashion Square, Hollymead Elementary School, Mortimer Y. Sutherland Middle School, and many more conveniences.

Experience privacy, retreat, and the best of country living in this magnificent real estate property in Charlottesville.

Call me, Pam Dent, at (434) 960-0161 to set a private showing of this stunning country property.

In case you cannot view this video here, please click the link below to view 2218 Polo Grounds Rd Charlottesville VA 22911 | Home for Sale on my YouTube channel: https://www.youtube.com/watch?v=RlQw4NReQdY&list=PL3hDkaZjN1QDMSI27MS7VOcl72O0N-zNG&index=2&t=0s

Filed Under: Blog, Charlottesville Homes for Sale, Pam Dent Tagged With: Homes for Sale, Pam Dent, real estate properties for sale

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Contact Pam

Pam Dent
Phone: (434) 960-0161
Email: [email protected]
Gayle Harvey Real Estate Inc.
198 Spotnap Rd, #C-5,
Charlottesville, VA 22911


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