Cynthia Hash’s Blog

Integrity and service is my motto professionally and personally.  To find out more go to http://findhomesincharlottesville.com/about-cynthia-hash.asp .  Lately, I’ve been trying to help clients who are struggling, (1) owing more on their house than what the market value is, (2) financial distress due to unexpected medical bills that have made them unable to pay their mortgage payment, (3) retirees and/or divorcees who have lost loved ones who were the bread-winners of the family and can no longer afford their house payment, (4) unexpectedly unemployed folks who’ve exhausted their savings and can’t pay their mortgage any longer, etc.  Times, they are “a-changin”.  During the real estate boom, buyers were buying in a seller’s market.  Now, in a buyers’ market when buyers SHOULD be buying, they’re not.  Supply and demand has dictated the pendulum swing.  Too much demand during the boom sellers’ market has now swung the market pendulum to the complete opposite which is too much supply.  The market is correcting itself and a normal market may not be in sight for another year or so, no one really knows for sure.

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

On Tuesday, June 9, the Commerce Department said wholesalers reduced their inventories by 1.4% in April following a 2.4% drop in March. Economists had forecast a 1.1% decrease in April. It was the eighth straight monthly decline. Sales at the wholesale level fell 0.4% in April after a 2.4% decline in March.

According to the ICSC-Goldman Sachs index, store sales rose 0.2% in the week ending June 6 compared to the previous week.

The Commerce Department reported Wednesday that the trade deficit rose 2.2% to $29.2 billion in April, from a revised $28.5 billion in March. The deficit is running at an annual rate of $361.1 billion compared to $695.9 billion in 2008.

Retail sales rose 0.5% in May following a revised 0.2% decline in April. The gains were largely fueled by auto purchases and the rising cost of gasoline. The May report was the largest increase since retail sales rose 1.7% in January following six straight monthly declines.

Initial claims for unemployment benefits fell by 24,000 to 601,000 in the week ending June 6 from a revised figure of 625,000 in the previous week. The number of people continuing to claim jobless benefits in the week ending May 30 rose 59,000 to 6.82 million. Also, the previous estimate for the week ending May 23 was revised from a drop of 15,000 to an increase of 6,000.

The Commerce Department reported that total business inventory decreased 1.1% in April following a revised 1.3% drop in March. It was the eighth straight monthly decline as retailers, manufacturers and wholesalers sought to cut inventory. Sales fell 0.3% in April, pulling the stock-to-sales ratio down to 1.43.

Upcoming on the economic calendar are reports on the housing market index on June 15, housing starts and industrial production on June 16, and consumer inflation on June 17.

Compliments of Mike Platt, Prospect Mtg, (434) 295-1944.

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

On Monday, June 1, the Commerce Department reported total construction spending unexpectedly rose 0.8% in April. Economists had expected a 1.2% decline. It was the biggest gain since August 2008 and marked the second straight month that construction spending has risen after a 0.4% increase in March.

The Institute for Supply Management reported the monthly index of manufacturing activity rose in May to 42.8 from 40.1 in April. Though any reading below 50 signals contraction, it was the fifth consecutive monthly increase from a record low of 32.9 in December. Most importantly, the index of new orders rose to 51.1. This is the first expansion since November 2007, one month before the recession began.

The National Association of Realtors reported that its pending home sales index, a forward-looking indicator based on signed contracts, rose 6.7% to 90.3 in April from 84.6 in March. It was the biggest monthly jump since October 2001 and the third consecutive monthly increase after the index hit a record low in January. The reading is 3.2% above the April 2008 level.

The Commerce Department reported factory orders rose 0.7% in April, after a revised 0.9% drop in March. The report reflected increased demand for automobiles, electrical equipment and construction machinery.

The Institute for Supply Management reported the monthly index of non-manufacturing activity rose in May to 44 from 43.7 in April. Economists had expected a reading of 42. Figures below 50 indicate contraction.

Initial claims for unemployment benefits fell by 4,000 to 621,000 in the week ending May 30 from a revised figure of 625,000 in the previous week. The number of people continuing to claim jobless benefits in the week ending May 23 fell to 6.74 million. It was the first decrease in almost five months of uninterrupted weekly gains.

Upcoming on the economic calendar are reports on wholesale trade on June 9, retail sales on June 11 and consumer sentiment on June 12.

Compliments of Mike Platt at Prospect Mortgage (434) 295-1944.

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

Zero-down programs are few and far between these days, but one stalwart just got an upgrade!

USDA Guaranteed Rural Development loans offer 100% financing with no monthly Private Mortgage Insurance. Seriously, did you hear me? I said NO monthly PMI. While there are some geographic limitations on this program, more houses qualify than you realize, so you need to take notice.

Although income restrictions for this program are determined based on the number of people living in a household, these limits were loosened beginning April 20, 2009. As a result, more of your buyers may now qualify and be able to afford higher value homes under this program.

Previously, the income limitations were based on the exact number of people living in the home. For example, the limit for two people was different from the limit for one person; the limit for three people was different from the limit for two people, etc.

As of April 20, 2009, however, the household income limitations are grouped into two categories: 1-4 Person Households and 5-8 Person Households. This is great news!  It means that higher income earners with fewer people in the household may be more likely to qualify.

In non high-cost counties, where 1-4 people reside in a home, the income limit will now be $70,750. In homes where 5-8 people reside, the limit is $93,400. While these figures serve as a guide, there are certain formulas to arrive at these numbers where people can earn more and still qualify.

Now just because you see the word “rural” in the program name, it doesn’t mean we’re talking farmland here. No, you don’t have to raise cattle or chickens to qualify. Rural generally is defined as areas that are not densely populated and have fewer neighborhoods – but you might be surprised at how many neighborhoods qualify. To check if a property qualifies, click this link:
Is my property eligible for USDA Guaranteed Rural Housing financing?  or copy and paste this URL address into your web browser:  http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11

I’m very excited about what this can represent to the real estate market. More buyers will have the ability to buy a home without a down payment. Also, when it comes to USDA Rural Housing loans, the seller can pay closing costs up to 6%. When you combine these benefits with the available tax credit of up to $8,000 for first time home buyers, helping more people get into the home of their dreams is suddenly a lot easier.

Compliments of:  Tammy Wilt, 571.212.4548 or 434.242.0046, Tammy@TammyWilt.com – if you contact her, please tell her Cynthia Hash sent you!Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!To receive daily tips and updates like this one go to:http://www.findhomesincharlottesville.com//cynthias-blog.aspclick on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”. THANK YOU!Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com  GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org  ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net  WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org  Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901Matthew 7:12 is NAR Golden Rule

On Tuesday, May 26, the Conference Board reported that its consumer confidence index rose to 54.9 in May from an upwardly revised 40.8 in April. It was the biggest increase in six years. Economists had expected an increase to 42.3. The index was benchmarked at 100 in 1985, a year chosen because it was neither a peak nor a trough in consumer confidence.

The Standard & Poor’s / Case-Shiller 20-city housing price index dropped 18.7% from March 2008 to March 2009. It was the second straight month the index didn’t post record drops, indicating that the slump in home values might be easing.

The National Association of Realtors said existing home sales rose 2.9% in April to a seasonally adjusted annual rate of 4.68 million from 4.55 million in March. Economists had expected an annualized rate of 4.66 million homes.

Orders for durable goods, items expected to last three or more years, rose 1.9% in April after a revised lower 2.1% drop in March. This was the second increase in the last three months after having recorded six straight declines. Economists had anticipated orders for durable goods to rise only 0.5%.

Initial claims for unemployment benefits fell by 13,000 to 623,000 in the week ending May 23 from a revised figure of 636,000 in the previous week. The number of people continuing to claim jobless benefits in the week ending May 16 rose to 6.78 million, a record-high figure for the 17th straight week.

New home sales rose 0.3% in April to a seasonally adjusted annual rate of 352,000 from a downwardly revised rate of 351,000 in March. Economists had expected a sales pace of 360,000 units.

Upcoming on the economic calendar are reports on construction spending on June 1, pending home sales on June 2 and factory orders on June 3.

Compliments of Mike Platt, Prospect Mtg.

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

This was an extremely volatile week for interest rates. There were two major auctions of US treasuries this week that caused extreme fluctuations in mortgage rates.  By Wed afternoon rates had spiked to the 5.5% range for 30 yr fixed rates. Fortunately by yesterday they had settled back down to 5.125% range and market conditions were still improving so if the trend continues on Monday those rates should drop even further.  Buyers … urgent … now is the time to buy because these rates will not be around forever.  Compliments of Mike Platt at Prospect Mortgage 434-295-1944.

Don’t forget … home buyers who haven’t owned a home in the last 3 years must buy before 12/1/09 or loose the up to $8000 tax credit opportunity.  There are rumors that the Feds are going to put more limitations on that tax credit, too, for instance, possibly only allowing it for borrowers who are getting FHA loans.  Don’t procrastinate!

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

Here’s a great article about the first time home buyer $8000 tax credit coming available as cash down payment assistance.  That’s wonderful news! 

http://www.dailyprogress.com/cdp/news/local/article/homebuyer_tax_credit_could_help_local_sales/40563/

I’m wondering about the semantics of this process.  How is this $8k going to come in fast enough from the government in order to go to settlement in a real estate transaction? 

For instance, it’s taking 45 days now instead of 30 days to close due to the new law in place regarding the appraisal process.  Loan officers are not allowed to order the appraisal any longer as of May 1st.  Loan officers in brokerage firms are required to order appraisals through a third party Appraisal Management Company (AMC) online.  Among other problems, this process makes the borrower have to pay for the appraisal outside of closing with a credit card so the roughly $400 appraisal fee is not rolled into closing costs at settlement; result is more out of pocket expense to the consumer.  The third party AMC is sending appraisers in from outside of the local areas who are unfamiliar and some don’t even have access to all the Multiple Listing Services (MLS) that apply to the subject property’s area, thus causing inaccurate appraisal results and a lack of decent comparables.  Having to order from the third party AMC is causing a bottle-neck, resulting in loan commitment deadlines being missed because instead of taking 2 weeks, it’s taking 3-4 weeks to get loan commitment. 

So, I wonder if a buyer is waiting for the $8k in cash to come in as their down payment before closing, how long will it take to get to the settlement table from contract to close?  What will happen to the $8k if something goes wrong just before settlement?  I suppose we will just have to tune in later for the details! 

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:

http://www.findhomesincharlottesville.com//cynthias-blog.asp

click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!

Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty

FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com

GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org 

ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net 

WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org 

Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com

Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901

Matthew 7:12 is NAR Golden Rule

Quit Claim Deed vs. Warranty Deed:
A Difference Indeed

A quit claim deed is the legal way that one person (the grantor) transfers real property, such as a house or land, to another person (the grantee). As an example, a divorcing husband may quit claim his interest in certain real estate to his ex-wife. While the concept is simple and straightforward — relinquishing all ownership claims to a particular property — it’s also important to note what a quit claim can’t do.

In renouncing claim, the grantor makes no guarantee or promise that the property is free of debt. Another important distinction is that the grantor makes no promise that no one else claims to own the property. Tracing its origin to Anglo-Norma times (circa 1,000 AD), the quit claim deed says, in effect, that the grantor is signing over whatever ownership he or she may have in the property. It does not even guarantee that the grantor has any ownership interest at all. By accepting such a deed, the grantee assumes all the risks.

Furthermore, many title companies are reluctant to insure title when a quit claim deed was used previously to transfer title, and therefore, recommend use of a warranty deed instead. A warranty deed conveys full title to the property and warrants that title against defects such as tax liens, legal judgments and unpaid debts.

Compliments of Mike Platt at Prospect Mortgage, affiliated with Keller Williams Realty.

Can you think of anyone who is in distress regarding the need to sell their house?  If so, I have a number of alternatives, please contact me!  Can you think of anyone who may be considering buying, selling, or investing in real estate?  If so, please let me know … I value referrals and do them nationwide!  Can you think of anyone who’d like to pay off their mortgage in a fraction of the time?  If so, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

Home repair shows might convince some Americans to tackle big projects, but when it comes to plumbing, do-it-yourself projects aren’t always a smart idea.

Plumbing errors can lead to messy problems, the kind that destroy personal property and eat up insurance claims. If you cause more problems than you fix, your plumber will have to spend more time repairing your mistakes, raising his price.

Here are some tips for Americans trying to decide which plumbing projects require a professional: Insulating pipes. Installing installation is an easy project, so if you have the time and don’t mind bending into cramped lofts, go ahead and insulate your own pipes and water heater. You can use different materials - jackets, boards, moldings, tapes and mats. So, ask people at the home repair store to talk you through the different materials.

Replacing valves and hoses. Even the most un-handy Americans can replace showerheads and washing machine hoses, but when it comes to valve replacement, it’s better to hire a professional.You do not want to install a shut-off, shower or tub valve incorrectly, unless you enjoy cleaning up after floods.

Installing a water heater.Water heaters are expensive and important pieces of equipment, so call in a pro. A typical water heater lasts 15 to 20 years, so even though water heaters can be expensive to install, they are largely a one-time expense.

Leaks. Even small leaks cause considerable damage, so you shouldn’t chance a do-it-yourself job. If you see a flood, turn off the water supply and call a plumber.

Ed Begley Jr., a movie and television actor whose credits include “A Mighty Wind” and “Batman Forever,” used to get laughs for his so-called extreme eco-friendly practices, including riding a bike to gala events. Today, Begley, who embraced the green movement in 1970, seems to have had it right all along.

As a result of his convictions, Begley created “Begley’s Best,” a line of natural, non-toxic household cleaning products, and recently published “Living Like Ed: A Guide to the Eco-Friendly Life.”  In 1988, Begley moved into a house built in 1936 and has transformed it into an example of his dedication to energy conservation.

Begley’s roof hosts a wind turbine and more than 6 kilowatts of solar panels that provide the majority of his home’s energy as well as power his car. Begley says he only pays about $300 a year in electric bills. Despite his extensive efforts, Begley realized his environmentally friendly house still had room for improvement after a home energy performance evaluation. An infrared camera showed leaks where heat was escaping in the winter, and cool air was seeping out in the summer. After sealing off his basement, Begley’s home required a water heater that could operate in such an environment.

Most standard and tankless water heaters operate at about 80% thermal efficiency, meaning at least 20 cents of every dollar spent on energy to heat water is wasted.With the Vertex 100 operating at 96% thermal efficiency, this amounts to a substantial difference in lost energy and money over the life of a water heater.  Providing higher output with more efficient combustion to produce hot water at lower operating costs, the Vertex 100 will also help reduce Begley’s heating bill in the winter - pushing him one step closer to total sustainability.

If you or anyone you know is thinking about buying, selling, or investing in real estate, please let me know … I value referrals and do them nationwide!  Or if you know someone who’d like to pay off their mortgage in a fraction of the time, please let me know!

To receive daily tips and updates like this one go to:
http://www.findhomesincharlottesville.com//cynthias-blog.asp
click on “RSS” at the bottom of a blog, click on “subscribe to this feed”, click “subscribe”.

THANK YOU!
Cynthia Hash, Realtor/SRES/GRI/AHA, Keller Williams Realty
FULL SERVICE REALTOR .. www.FindHomesInCharlottesville.com
GET HELP THRU CAREGIVERS LIBRARY .. www.AgingYourWay.org
ALWAYS WANTED A LOG HOME? .. www.CedarLogStructures.net
WANT TO PAY OFF YOUR HOUSE? .. www.PayOffYourHome.org
Cell: (434) 531-5351 ~ Fax: (801) 681-0286 ~ Email: hash@kw.com
Ofc: 1885 Seminole Trail, Ste 100, 2nd Floor, Charlottesville VA 22901
Matthew 7:12 is NAR Golden Rule

Check out this new Farm or Ranch property that I just posted on my Web site. It is at 927 Old White Bridge Rd in Waynesboro. This Farm or Ranch property has 3 bedrooms and 2 baths. 6+ acre farm with beautiful vista year ’round Blue Ridge & Appalachian mountain views! All one level living with country appeal & city convenience. Huge 4 stall barn with hoisting mechanism & about 30′ ceilings is listed below as 3 car garage. Great for veterinarian or any animal lover. 4 fenced pastures. 2 pole barns. New kitchen w/downdraft JenAir convection oven. New master suite w/whirlpool tub. Ceramic tile & wood floors throughout.