Parker and Emmie - End of Summer 2011



 Can't Keep Emmie Out of the
Rain Water







 







Emmie Will Pick Every Flower!



            Parker and Emmie
     My Youngest Grandchildren! 




They Really Do Like Each Other!



Playing in the Rain Water!

                           

Are You Outgrowing Your Present Home?

Are you outgrowing your present home?


I realize that you may be waiting for the market to improve before you sell your home! Did you know it is actually advantageous to buy a larger home in a down market? You might get less for the home you are selling but you can get a larger home for less too. It just may be time for you to make the move to that larger home while interest rates are at record lows.

If you or someone you know is in the market to buy or sell a home I would love to exceed your expectations!

Call Eunice Waller at 540-842-1061  anytime…I am a full time realtor with PRUDENTIAL SIMPSON & ASSOCIATES and It’s What I Do!

Just Say NO to RADON!

Just Say NO to RADON!



Radon is a naturally occurring, invisible, odorless, tasteless gas that is dispersed in outdoor air, but which can reach harmful levels when trapped in buildings. Scientists have long been concerned about the health risk of radon, but there has been overwhelming proof that exposure to elevated levels of radon causes lung cancer in humans.

The U.S. Environmental Protection Agency and the Surgeon General's Office estimates that radon is responsible for more than 20,000 lung cancer deaths per year. Radon is the second leading cause of lung cancer in the U.S. after smoking and the leading cause of lung cancer among non-smokers. Breathing it over prolonged periods can present a significant health risk to families. However you can’t see or smell radon, people tend to downplay the health effects and ignore the possibility that there might be a silent killer in their homes.

A family whose home has radon levels of 4 pCi/l is exposed to approximately 35 times as much radiation as the Nuclear Regulatory Commission would allow if that family was standing next to the fence of a radioactive waste site.

Testing homes for elevated levels of radon is simple and inexpensive. Radon test kits can be purchased at your local hardware and home improvement stores or directly from radon testing companies. They are reasonably priced. Radon problems can be fixed by qualified contractors for a cost similar to that of many common home repairs such as painting or having a new water heater installed.

If you or someone you know is purchasing a home you may want to consider having the home tested by a qualified contractor when you do your inspections.

Eunice

USDA FUNDS

USDA Funds

With the re-funding of the USDA’s lending program, housing sales in rural and suburban markets should see some revitalization. This is good news for both buyers and sellers!


Benefits of the program include:

*No-money-down financing
* No mortgage insurance (a onetime funding fee is financed into the loan at closing)
* Expanded underwriting guidelines
*Interest rates comparable to standard FHA and Conventional financing

This is good news for buyers and sellers in rural and some suburban markets that qualify for USDA funding!

There are limits on both buyers’ income and loan amounts:

Income limits are set by the property location and will vary from county to county.

If you are interested in learning more about USDA funding and whether you and the property you are interested in qualify, please let me know. I can put you in touch with a trusted mortgage loan officer who can help answer your questions.

Eunice Waller

Prudential Simpson & Assoc.

540-842-1061

http://www.fredericksburghomesource.com/

http://eunicewaller.blogspot.com/

Real Estate Assesments

Real Estate Assessments


As I have been going about my travels in Locust Grove Va for the past few days I have noticed the county assessment car so I thought I would give you a more indepth explaination about real estate assessment.

A real estate assessment is conducted periodically by your local government to assign a value to your home for taxation purposes. An assessment isn’t the same as a private appraisal, and the assessed value of your home isn’t necessarily how much you could sell it for today. Real estate assessment notices are mailed to homeowners every two to three years, depending on where you live.

Your notice will include some information about your property, such as lot size or a legal description as well as the assessed value of your house and land. Some additional details like the number of bedrooms or date of construction can often be found in the property listing on your local government’s website. Your property tax bill will usually be calculated by multiplying your home’s assessed value by the local tax rate, which will vary from town to town or county to county.

If you think your home’s assessment is higher than it should be, challenge it immediately. The clock starts ticking as soon as the notice goes out. You generally have less than 30 days to respond but the procedure is usually outlined on the back of the notice.

If you want to know your homes current market value I would be happy to provide you with a Market Analysis.

Eunice Waller

Prudential Simpson & Assoc.

540-842-1061

http://www.fredericksburghomesource.com/


http://eunicewaller.blogspot.com/

Prudential - Highest Overall Satisfaction for Home Sellers

When you have good news you just have to share it!

Selling your home...I will exceed your expectations!

 Eunice Waller

Prudential Simpson & Associates

Call or Text  540-842-1061

NO ONE Knows Real Estate Better ~ "Helping Families Since 1984!"

www.FredericksburgHomeSource.com

                                              

Coming Soon...Under Total Renovation!

Statistics for Orange County VA 22960

Statistics for Orange, VA 22960

General Information:

Latitude: 38.231526

Longitude: -78.079231

Population: 9443

Density: 81.34

(people per square land mile)

Housing Units: 3972

Land Area: 116.09 sq. mi.

Water Area: 0.76 sq. mi.

Social Indicators

Educational Achievement: Marital Status:
(among people 25 years or older) (among people 15 years or older)
Less than 9th grade: 12.9% Never married: 26.6%
9th-12th grade (nongrad): 18.3% Married: 53.3%
High school graduate: 34.7% Separated: 3%
Some college: 13.7% Widowed: 8.8%
Associate degree: 3.7% Divorced: 8.3%
Bachelors degree: 10.3% Stability/Newcomer Appeal:
Graduate/Professional: 6.5% Same home 5+ years: 59.8%
High school or higher: 68.8% Social and economic indicators
based on 2000 Census sample data.
Bachelors or higher: 16.7%
Green = Above U.S. Avg Red = Below U.S. Avg
Red bkg. = Above U.S. Avg Green bkg. = Below U.S. Avg

Economic Indicators
Household Income Occupation
<$10,000 14.3% (among employed persons over 16) $10,000-$14,999 5.9% Mgt./Professional 25.9% $15,000-$24,999 13% Service 17.3% $25,000-$34,999 14.1% Sales/Office 25.1% $35,000-$49,999 18.3% Farm/Fishing/Forestry 1.3% $50,000-$74,999 18.5% Construction/Extraction/Maint. 12.8% $75,000-$99,999 8.6% Production/Transportation 17.6% $100,000-$149,999 5% Unemployment/Poverty $150,000-$199,999 1% Unemployed 1.6% $200,000+ 1.3% Below Poverty Line 14% Median Household Income: $36,486 Race
Hispanic/Latino: 1.3%
White*: 76.3%
Black*: 21.1%
Native American*: 0%
Asian*: 0.2%
Hawaiian/Pacific Islander*: 0%
Other*: 0.1%
Multiracial*: 0.8%
* Does not include individuals
in this racial group
who identify as Hispanic/Latino.

Age
Male Female Both
% of Males % of All % of Females % of All % of All
0-9 years: 13% 6.2% 11.6% 6% 12.2%
10-19 years: 13.4% 6.4% 13% 6.7% 13.2%
20-29 years: 12% 5.8% 9.8% 5.1% 10.9%
30-39 years: 16.1% 7.7% 14% 7.3% 15%
40-49 years: 16.1% 7.8% 14.8% 7.7% 15.5%
50-59 years: 10.8% 5.2% 11.2% 5.8% 11%
60-69 years: 9.3% 4.5% 10% 5.2% 9.6%
70-79 years: 6.3% 3% 8.5% 4.4% 7.4%
80+ years: 3% 1.5% 7.1% 3.7% 5.1%
All Ages: Male: 48.1% Female: 51.9%
Median Ages: 37.5 yrs. 41 yrs. 39.2 yr

Are You Considering Buying or Selling a Home...No One Knows Orange County Better!

Eunice Waller ~ "Helping Families Since 1984!"

Prudential Simpson & Associates