the real estate weekly 4.7.2016

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VOL. 25 NO. 14 n APRIL 7 - APRIL 13, 2016 WWW.CAAR.COM A PUBLICATION OF THE CHARLOTTESVILLE AREA ASSOCIATION OF REALTORS® FREE A PUBLICATION OF THE CHARLOTTESVILLE AREA ASSOCIATION OF REALTORS® Charlottesville, Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, Orange GETTING THE LOW- DOWN on Low-Down Mortgage Options C e n t r a l V i r g i nia C e l e b r a t e s BY KEN WILSON TASTE OF MONTICELLO WINE TRAIL FESTIVAL • TOM TOM FOUNDERS FESTIVAL ASH-LAWN HIGHLAND SHEEP SHEARING • CHARLOTTESVILLE EARTH WEEK ECO FAIR ROCKFISH VALLEY FOUNDATION KITE FESTIVAL • THE WAYNESBORO RIVERFEST

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  • VOL. 25 NO. 14 n APRIL 7 - APRIL 13, 2016 WWW.CAAR.COM

    A P U B L I C AT I O N O F T H E C H A R L O T T E S V I L L E A R E A A S S O C I AT I O N O F R E A LT O R S FREE

    A PUBLICATION OF THE CHARLOTTESVILLE AREA ASSOCIATION OF REALTORSCharlottesville, Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, Orange

    GETTING THE

    LOW- DOWN on Low-Down Mortgage Options

    Central Virginia CelebratesBY KEN WILSON

    TASTE OF MONTICELLO WINE TRAIL FESTIVAL TOM TOM FOUNDERS FESTIVAL ASH-LAWN HIGHLAND SHEEP SHEARING CHARLOTTESVILLE EARTH WEEK ECO FAIR

    ROCKFISH VALLEY FOUNDATION KITE FESTIVAL THE WAYNESBORO RIVERFEST

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    MHBR No. 3588 | Stanley Martin Homes | *Prices, features and availability subject to change without notice. Options and incentives do not apply to all communities, lots, and house types. Photos shown may be of similar homes. Certain restrictions apply. Please see a Neighborhood Sales Manager for details.

    200 Garrett Street, Suite B, Charlottesville, VA 22902

    StanleyMartin.com/Charlottesville50 866.324.0709

    The Morgan at Glenmore | 866.324.0709

    The Travis at Westlake at Foothill Crossing | 866.324.0709

    A new home is the purchase of a lifetime. From selecting your home, to choosing your interior finishes, all the way through the mortgage and settlement process - you can count on our outstanding service every step of the way.

    Visit StanleyMartin.com/Charlottesville50 to discover the Stanley Martin difference and ask about our

    50TH ANNIVERSARY SAVINGS EVENT!

    We really valued working with the designer. They gave us EXPERT ADVICE for every room in our home. Stanley Martin Homeowner

    STANLEY MARTIN HOMES

    DISCOVER THE STANLEY MARTIN DIFFERENCE

    GUIDING YOU through your

    HOME BUYING journey for over

    FIVE DECADES

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    And Our Professional Support Team!

    Patsy StrongBROKER, ABR, SRES, SRS

    434-996-4606 [email protected]

    Residential Marketing & Listing Specialist

    Kari RothamelABR, SRES, SRS

    434-962-7265 [email protected]

    Top-Producing Buyers Agent

    Daniel RothamelABR, SRES, SRS

    434-962-7305 [email protected]

    Top-Producing Buyers Agent

    Search All Homes or Get A Market Price On Your Current Home At: StrongTeamRealtors.com

    25 EAST POINT ROAD $235,000

    1987 sf - 4 BR - 2.5 BA - On .40 AcPopularBarryMeadeRadfordDesign2-storyEntrance-LovelyHardwoodsGreatroomw/Gas-logFireplaceVaultedMasterw/LuxuriousBathLrgYard-12x33Deckw/BenchSeating

    4 WESTHAM COURT$328,500

    3211 sf, 4 BR, 3 BA, Golf & Pond ViewsGolfAreaVaultedSplit-BRRancherOpenFloorPlanw/GasFP,HardwdsGraniteCountertops,SunroomIn-Law/GuestAptonTerraceLevel2-Kitchens-2Laundry-ScreenedPorch

    COMING SOON: Colonialonnearly1Ac-atendofcul-de-sac-$235,000

    Waterfrontw/GorgeousViews-1BlockfromClubhouse-Beach-$489,000

    ColonialwithFinBasement-BackstoAcreage-$224,500

    WaterfrontHomewithMainLakeViews-Over3000sf-Dock-$658,500

    Give Patsy A Call If You Would Like To See Your Home On Our

    Coming Soon List!

    Fluvanna County86 Joshua Lane

    Palmyra, VA 22963

    (434) 589-5800

    downtown Mall

    100 2nd Street NWCharlottesville, VA 22902

    (434) 234-3601

    BIG THINGS

    Happening At Strong Team Realtors!WeveExpandedOurServices!

    Now With A New Office On The Downtown Mall To Better

    Serve Our Clients!

    WhetherBuyingOrSelling, WeAreHEREToHelp!

    52 OAK GROVE ROAD $345,000

    2958 sf, 4 BR (incl 2 Masters), 3 BA, Golf FrontOn.93Ac-TotalPrivacywithRelaxingViewsSouthwesternStyledVaultedRancher-Com-pletelyRenovated

    SierraStoneFrontPorch&Patio,ScreenedPorch

    Hardwds,Granite,SSApp,2FPs,LotsofCherryBuilt-ins

    Fin.TerraceLevelw/HomeOffice,HugeFamRmw/BambooFls

    LuxuriousMasterw/TiledShower-GraniteVanity-Hardwds

    NewTraneHVAC,BoschAppl,PavedCircularDrive,Private

    36 OUT OF BOUNDS RD $334,500

    2736 sf - 4 BR - 2.5 BA - Golf FrontDramatic28-ftCeilings,Gas-logFPOpenDesignw/HardwoodLoftOffice/MediaRmVaultedScreenedPorch-2DecksBeautifulGolfViews

    409 RIVER RUN RD $384,500

    2463 sf fin / 1657 sf unfin, 4 BR, 2.5 BA, On 15 Ac.

    FormerParadeHome-9-ftCeilingsOpenGreatroomw/FP,HardwoodsSpaciousMasterw/Skylight,BonusRm(5thBR)

    UnfinBasement,ScreenedPorchOnAcreagewithRivannaRiverWaterfrontage

    30 POSSUM LANE WATERFRONT - $489,000 2572 sf fin / 1092 sf unfin, 4 BR, 3 BA,

    On .58 Ac163-FtWaterfrontage-Dock-EasyWalkToWater

    HardwoodsThroughout-OpenGre-atroomw/Walk-outstoWater

    NiceKitchenw/Granite-BrickFireplaceTrexDecking-Garage-NiceWater-viewsFromEveryRoom

    23 JEFFERSON DRIVE $218,500

    1856 sf, 4 BR, 3 BA, Water ViewsCompletelyRenovatedfromFloorUpGreatrmw/NewGasFP-HardwoodsOpenKitchenw/Granite-SSAppl-MapleCabinets

    2MasterStes(MainLevel&Fin.Basement)LrgFencedBackyard-NearMarina-AcrossfromLake

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    Whats Inside: A P R I L 7 - A P R I L 1 3 , 2 0 1 6

    IN EVERY Issue:Open Houses ............................. 4News & Views ......................... 6-7

    FEATURESpring Festivals: Central Virginia Celebrates ..................................10BY KEN WILSON

    HOME FINANCEGetting the Low-Down on Low-Down Mortgage Options ........20BY JANET THOMSON

    Home Sales Stats .................... 22

    20

    10

    VOL. 25 NO. 14 n APRIL 7 - APRIL 13, 2016 WWW.CAAR.COM

    A P U B L I C AT I O N O F T H E C H A R L O T T E S V I L L E A R E A A S S O C I AT I O N O F R E A LT O R S FREE

    A PUBLICATION OF THE CHARLOTTESVILLE AREA ASSOCIATION OF REALTORSCharlottesville, Albemarle, Fluvanna, Greene, Louisa, Madison, Nelson, Orange

    GETTING THE

    LOW- DOWN on Low-Down Mortgage Options

    Central Virginia CelebratesBY KEN WILSON

    TASTE OF MONTICELLO WINE TRAIL FESTIVAL TOM TOM FOUNDERS FESTIVAL ASH-LAWN HIGHLAND SHEEP SHEARING CHARLOTTESVILLE EARTH WEEK ECO FAIR

    ROCKFISH VALLEY FOUNDATION KITE FESTIVAL THE WAYNESBORO RIVERFEST

    Getting the Low-Down on LOW-DOWN MORTGAGE

    OptionsBY JANET THOMSON

    SPRING FESTIVALS

    Central Virginia CelebratesBY KEN WILSON

    www.countsauction.comVAAF93 Preview this auction on

    our web site!

    ABSOLUTE REAL ESTATE

    AUCTION

    1-800-780-2991

    Saturday, April 23 at 11am

    3BR, 3.5BA, 2,433SF House 1-Car Garage on .82 Acres

    & .84 Acre Building Lot52 Sunset Dr, ArringtonWalk up attic and a full unfinished walkout

    basement. Built in 1978 with central air & an oil fired baseboard hot water radiant heat system. Both properties are serviced by

    county water. The home is tax assessed at $249,700 and the taxes are $899 year and

    the adjoining lot is assessed at $20,000 and taxes are $72 a year.

    10% Buyers Premium added to high bid(s) to determine contract sales price(s). 10% deposit due on the day of the auction with the balance due at closing within 30 days. Full terms available online and displayed on day of the auction.

    Agent On Site: Sundays, April 3 & 17 (1-2pm)Sale Manager: George McDaniel (434) [email protected]

    Tract 1 Tract 2

    Charlittesville Real Estate Week ly

    Thrusday, March 31Sundays, April 7, 14, 21

    1/4 page = $170xs 4 run(s) = $680434.989.6769 Cell434.951.5148 Office

    [email protected]

    KATHRYN HALL

    BENTLEYREALTOR

    Timeless classic, perfect blend of updates added to the original charm & quality youll love. Ample space - 4BR/3 full baths + fin. terrace level fam rm & flex space on 2nd level. 1st floor master w/bath en suite. Newly updated kitchen w/ granite counters, new stainless appl, tile back splash & fresh paint. Breakfast room leads to elegant living room. Formal dining w/FP & upgraded trim/molding. Fabulous fam room w/built-ins leading to brick patio. Brick column & wrought-iron fence enclose the magical gardens in the back yard. Laundry & workshop terrace level. Walk to Greenway Loop & YMCA. Close to I-64. MLS#543003, $319,900

    WAYNESBORO

    OPEN HOUSE SUNDAY, APRIL 10, 1-4PM

    CROZET HISTORICAL DISTRICT NEAR MINT SPRINGS PARK

    Country classic, 4BR/2BA On one half acre only 1 mile from beautiful downtown Crozet ... you will love the Golden glow of the original hardwood floors . Large bright kitchen with five windows, office, large utility room. Central air & heated with high efficien-cy gas furnace. Flue for wood stove with beautiful rock & mantel in LR. Bountiful landscaping surround large deck off the kitchen. Man Cave garage with Electric and woodstove. Qualifies for 100% financing. $239,000

    434.466.4634

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    4$729K . 3200 SQ FT . 21 ParTially Wooded & PaSTured acreS

    oPen HouSe every SaTurday and Sunday From 95Pm

    5105 BlenHeim road, cHarloTTeSville 22902

    PleaSe conTacT: milicenT loeHr lyncH | vP oF SaleS & marKeTing (434)566-5562 | [email protected]

    WWW.THeFarmSaTTurKeyrun.com

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    Local Real Estate NewsCAAR Receives Grant to Support 2016 AHIP Safe at Home Campaign

    The Charlottesville Area Association of REALTORS(r) (CAAR) received a $1,000 Virginia Association of REAL-TORS(r)(VAR) Community Engage-ment Grant to support the Albemar-le Housing Improvement Program (AHIP) 2016 Safe at Home campaign.

    Receiving this grant means a lot to the association and its members, said CAAR President Donna Patton. It clearly indicates that VAR values CAARs longstanding partnership with AHIP, and supports the activities planned for this year.

    Last year, over 50 CAAR members volunteered their time and energy to AHIP activities and fundraisers. Whether you volunteer with AHIP or make a monetary donation, rest as-sured that your contribution is making a positive impact on our community, said CAAR Communications Master Group Chair Jack Crocker. Its amaz-ing to watch a homeowners expression transform from worried to relieved knowing that AHIP is there to support them in their time of need.

    This years campaign, which is en-ergized by AHIP, CAAR and the Blue Ridge Home Builders Association (BRHBA), hopes to increase AHIP awareness and raise $100,000 by De-cember 31, 2016 through various fund-raiser events and volunteer activities.

    Wednesday, April 13 Kendra Scott, The Shops at Stonefield From 5 - 8 p.m. 20 percent of sales do-nated to AHIP through Roy Wheeler Realty client appreciation event.

    Thursday, April 14Kardinal Hall From 5 - 8 p.m. a portion of sales donated to AHIP.

    Tuesday, April 19The CAAR Young Professionals Net-work (YPN) will volunteer for an AHIP build day. A build day can consist of building ramps, replacing siding, in-stalling flooring, painting, etc. for an individual or family in need.

    Friday, April 22 - Saturday, April 23CAAR and BRHBA members will vol-unteer for an AHIP build day. A build

    day can consist of building ramps, replacing siding, installing flooring, painting, etc. for an individual or family in need.

    Friday, May 20BRHBA Golf Tournament, Meadowcreek Golf CourseTournament proceeds donated to AHIP.

    Friday, June 24- Saturday, June 25 CAAR and BRHBA members will join together and volunteer for an AHIP build day. A build day can consist of building ramps, replacing siding, in-stalling flooring, painting, etc. for an individual or family in need.

    Friday, August 19 Best of C-VILLE Party, Ix Art Park Nonprofit beneficiary of net proceeds of annual Best of C-VILLE awards party.

    Friday, September 30AHIP House Party, Verulam Farm10th annual fundraiser to benefit local families in need of critical home repairs with live and silent auctions, sit-down dinner, live music, AHIP Housing Hero Award, and more.

    About CAAR The Charlottesville Area Associa-

    tion of REALTORS(r) serves more than 1,000 real estate professionals and af-filiate members throughout the City of Charlottesville and the counties of Albemarle, Fluvanna, Greene, Louisa and Nelson. Widely recognized as the leading voice for real estate in Central Virginia since 1925, CAAR members bring professionalism and high ethical standards to every business transac-tion. The Association advocates for the protection of private property rights and provides tools and technology for members to achieve expertise in serv-ing the needs of customers and clients. The CAAR membership is committed to enriching the regions neighbor-hoods by engaging in a variety of ed-ucational programs as well as commu-nity service events each year. For more information, visit www.caar.com.

    About AHIP AHIP, Charlottesville and Albe-

    marles home repair non-profit, helps keep our neighbors in need safe, warm and dry in their homes. For more than 35 years, AHIP has helped thou-sands of families with critical home

    repairs-small, urgent repairs, on up to large home rehabilitations and replace-ments. AHIP can build a handicap ramp for a senior citizen or a replace-ment home for a family living without indoor plumbing-and everything in between. For more information, visit www.ahipva.org.

    About BRHBA The Blue Ridge Home Builders As-

    sociation (BRHBA) is a professional trade association organized in 1964 to unite the builder/developer with the allied trade industries, businesses and professions that have interest in the building industry. BRHBA works to consolidate resources and build co-alitions that will develop the industry and the community. BRHBA is part of a federation of local home building associations throughout the United States and is affiliated with the Na-tional Association of Home Builders (NAHB) and the Home Builders Asso-ciation of Virginia (HBAV). For more information, visit www.brhba.org.

    Whats Happening Around Town?

    The UVA Percussion Ensemble presents the Rhythms of Brazil

    The UVA Percussion Ensemble in-vites you to experience the rhythms of Brazil at 8pm on Friday, April 8, at their Night of Percussion featuring guest artist, Fernando Rocha in Old Cabell Hall. There will be a preview performance at 7:30pm on the steps of Old Cabell Hall.

    The concert features visiting profes-sor Fernando Rocha from the Federal University of Minas Gerais in Brazil, and the U.Va. Percussion Ensemble, directed by I-Jen Fang. The group will perform an eclectic mix of Brazilian

    music, showcasing arrangements of traditional pieces as well as original contemporary works for percussion ensemble. Highlights include Entran-do pelo Canos (roughly up a creek without a paddle), written by the fa-mous Brazilian jazz musician Hermeto Pascoal originally for metal tubes and performed here on PVC pipe, and Ta-cho, a famous melody by the same composer and arranged by Rocha. The ensemble will also perform Onze, a largely improvisational piece that uses geometric shapes instead of traditional notation to represent the number of beats. The concert will conclude with a traditional samba batucada, with drum rhythms typical of Carnaval in Rio de Janeiro.

    In addition to these pieces, a per-cussion quartet will perform Choose by CCT graduate student Kristina War-ren. The work explores repetition and nontraditional notation as the players improvise through its structure. The whole ensemble will also perform Lind-say Stirlings Transcendence, arranged by the groups own Emily Milan. As the only graduating 4th year, she will also feature on marimba for Ney Rosauros Marimba Concerto No. 1.

    Fernando Rocha is professor of per-cussion at the Federal University of Minas Gerais (UFMG), in Brazil. He is spending the 2015/16 academic year at the University of Virginia as a Visiting Scholar at the McIntire Department of Music, sponsored by Brazilian Agency CAPES.

    Members of the U.Va. Percussion Ensemble are Brandon Burton, Natie Hara, Julianna Lee, Ryan Lerner, Greg-ory Lewis, Vivian McCoy, Emily Milan, Mark Panetti, Shaun Spisak, Laura Tracy, and Crystal Triplett.

    CAAR REAL ESTATE WEEKLY

    NEWS & VIEWS

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    Tickets are $10 for the general pub-lic, $9 for UVA faculty and staff, free for UVA students in advance and for those under 18, and $5 for UVA students on the night of show. Tickets can be pur-chased by calling the UVA Arts Box Of-fice at 434.924.3376 or by visiting www.artsboxoffice.virginia.edu.

    Food Events for 2016 Tom Tom Showcase Region as Locavore Hotspot

    Tom Toms fifth annual Founders Festival includes a robust food pro-gramming lineup featuring dozens of restaurants, bars, food trucks, and farms. Inspired by Charlottesvilles vibrant local food scene, the weeks programming aims to celebrate and showcase our chefs, artisans, local food advocates, and innovators

    Building on the food programming from previous festivals, new events in 2016 include a week-long Craft Cock-tail Competition and a Food Business Summit, an educational event for small food business entrepreneurs in the Charlottesville region.

    Charlottesville is a leading light in the national locavore movement, com-mented Paul Beyer, the Festivals Direc-tor. Thanks to our farmers and chefs, Charlottesville has unparalleled access to fresh, local food. Tom Tom wants to highlight that; through our Farm to Ta-ble Restaurant Week, food trucks, com-petitions, and other events, we hope to show that eating local food can be the standard, not the exception.

    Farm-to-Table Restaurant WeekPresented with Charlottesville Restaurant Week

    Sixteen of Charlottesvilles finest restaurants create specialty menus for the week of April 11 17 that high-light local farms, local distribution, and craft preparation. In addition to many local favorites, there are several new participants in this years Farm to Table Restaurant Week. Restaurant list available online: http://tomtomfest.com/events/farm-to-table-restaurant-week-2016/

    Craft Cocktail CompetitionFor the first year, Tom Tom Found-

    ers Festival is hosting a city-wide Craft Cocktail Competition from April 11 17 that tasks the Citys top mixol-ogists with creating a Virginia-based cocktail. Two awards will be given, a Judges Choice and a Crowd Favorite. Mixologist list available online: http://tomtomfest.com/events/craft-cock-tail-competition/

    Iron Chef CompetitionPresented by the Charlottesville City Mar-ket and Cavalier Produce

    The Iron Chef Competition chal-lenges six professional chefs to come up with a dish that is 100% local-ly-sourced. Racing through the Sat-urday Farmers Market, the six contes-tants have just over an hour to source, prepare and present a dish to a formi-dable panel of local food celebs. The winner takes home a cash prize and the title of Charlottesvilles Iron Chef. More information online: http://tom-tomfest.com/events/iron-chef/

    Food Business SummitPresented with the Community Investment Collaborative, and the Central Virginia Small Business Development Center

    Local artisans and entrepreneurs gather at the Paramount Theater on Tuesday, April 12, 2016 from 9am 4pm to share insights into starting and sustaining a food business. Morn-ing sessions focus on advice for start-ups, and afternoon sessions will focus on more established entrepreneurs. Tickets are available online: http://tomtomfest.com/events/food-busi-ness-summit/

    Making Local First For All Luncheon

    During the Founders Summit on Friday, April 15, Brookville Restaurant will host the Making Local First For All luncheon. This discussion brings together Charlottesville communi-ty food justice advocates working to build health and equity across the food system. Panelists explore innovations aimed at building local food health for everyone. Tickets are available online: http://tomtomfest.com/events/found-ers-luncheons/

    Food TrucksDuring Tom Toms signature block

    parties, we welcome fourteen local food truck vendors. The participants have been hand-selected to showcase the best of Charlottesvilles thriving food truck industry.Gypsy.Juicelemonades,icedteas,

    and juicesKonaIceshavediceSmojoSmoothiesjuice,smoothies,

    and healthy snacksTwoBrothersSouthwesternGrill

    tacosLittleManilaFilipinofoodMorselCompasstacosMouthWideOpensliders,wrapsBlueRidgePizzaCo.pizzaGotDumplingsdumplings,fried

    rice, and other Chinese cuisineBavarianChefBratsandpretzelsYumYumpiroshkis,kebabs,bakla-

    vas, domas

    CONTINUED ON PAGE 21

    Each Office is Independently Owned and Operated 417 Park Street Charlottesville, VA 22902

    RAYS FORD CIRCLEThis rustic, custom contemporary style home is all on one level . The many unique fea-tures are, Cedar and stone exterior, large stone fireplaces, vaulted ceilings with exposed beams and absolutely gorgeous sun room looking out over deck and woods. Three bed-rooms 2.5 bathrooms, hardwood floors and extensive decking. Master bedroom is very large. Quality construction on 2 very private acres, just beyond the Reservoir. $348,000. Ring Sonja 434-981-3523

    RING SONJA

    SONJA CASERO434.981.3523

    Multi-Million Dollar Top Producer for over 20 years.

    NEW LISTING, EARLYSVILLE

    WOODTHRUSH LANECustom designed and custom built by European Homes. 5 bedrooms and 4 1/2 baths. 2 car garage. Large open spaces. Extensive porches, decking and terraces extend the living and entertaining areas. Beautiful landscaping makes the yard a delight. Play areas and gardens front and back. A delightful home in a quiet neighborhood north of town. Smart Home system installed for safe, easy living. $650,000

    WILLOW LAKE DRIVEQuality new construction in Willow Lake. Fine finishes and a flexible floor plan make this house a true home. Fireplaces in master bedroom, living room and family room add a cozy touch on winter nights. Granite and maple cabinets adorn a cooks kitchen and you get to choose your appliances! During warmer weather enjoy your rooftop deck with incredible views of the mountains and lake while being five minutes from town. In law suite in basement has separate entrance and would be perfect for company as well. Easy access to UVa, Martha Jeff, State Farm, CFA and SNL. $449,000

    SHARON DONOVAN434.981.7200Native of C-ville with 25+ years of local Real Estate Experience.

    CALL SHARON

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    P A S S I O N, E X P E R I E N C E, I N N O V A T I O N

    W W W . M O N T A G U E M I L L E R . C O M

    Westview - Charlottesville Highly desirable neighborhood for graceful in-town living with remarkable privacy. This classic home is just a few minutes walk to Barracks Rd Shopping & an easy walk to UVA. Home has significant renovations, two master suites.

    www.montaguemiller.com/mls=544039$998,000 Yates Nobles: 434.996.0888

    Charlottesville - Ednam ForestRecently renovated and almost completely rebuilt in Ednam Forest with top of the line finishes and a new roof. Lots of architectural elements including skylights, vaulted ceilings, and picture windows make this elevated home feel like a treehouse.

    www.501rookwood.com $840,000 Sasha Farmer Team: 434.260.1435

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    Charlottesville - WinstonFANTASTIC LOCATION and HUGE POTENTIAL! Rare offering

    on Winston Rd. This solidly built home with great bones

    awaits your vision. Beautiful woodwork throughout.

    anneb.montaguemiller.com/mls=544650$665,000 Anne Burroughs: 434.422.2242

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    Charlottesville - BelvedereCome see this immaculate & beautifully detailed home

    located in the desirable Belvedere community offering quick

    access to downtown, 29 north, parks, & shopping.

    www.montaguemiller.com/mls=544572$595,000 Rives Bailey Associates: 434.227.4446

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    Zion Xroads - Spring CreekLooking for a home with an open concept that also provides

    space for separate formal entertaining? This is the house

    for you! Immaculately maintained 5-bedroom home.

    htowe.montaguemiller.com/mls=544442$445,000 Heather Towe: 434.327.2600

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    Troy - Mountain Brook20 minutes to town. 4BR/3.5 BA home. Family room has

    cherry floors and gas fireplace. 1st floor MBR, hardwood

    floors, carpeted BRs. Kitchen has stainless steel appliances.

    dburke.montaguemiller.com/mls=544474$434,000 Doug Burke: 434.996.6791

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    Charlottesville - AvinityBEST LOCATION IN AWESOME AVINITY! This end unit has

    180 degrees of mountain views plus you will overlook the

    future park w/ pond.

    pmcartor.montaguemiller.com/mls=544421$349,000 Paul McArtor: 434.305.0361

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    Ruckersville - NorthridgeThis wonderful home is located minutes from C'ville with a

    quick commute to NGIC, DIA, & UVA Research Park. Kitchen

    upgrades include granite counter tops.

    pmcartor.montaguemiller.com/mls=544718$347,000 Paul McArtor: 434.305.0361

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    500 Westfield Rd Office 434.973.5393 | 245 Ridge-McIntire Rd - Downtown Office 434.227.4444

    Land For SaleNEW! ALBEMARLE - Northern Albemarle 3.7ac ready for your home plans to take shape. Building site is well off the road on a gentle knoll with mature hardwood forest views.www.montaguemiller.com/MLS=544512$150,000 Joe Porterfield: 434.906.1616

    NEW! BELMONT - Rare opportunity to build your own custom home in the heart of Belmont. Lot is on the desirable 'tree' streets. Just minutes from your favorite restaurants.www.montaguemiller.com/MLS=544512$120,000 Jamie White: 434.906.3944

    LOUISA-10 acre eastern mixed-forest lot, part of an old plantation (some ruins still evident), easy commute to both Cville & RVA. Paved public road frontage, culvert in place. www.montaguemiller.com/MLS=538588$59,900 Brad Williams: 434.989.7721

    Cville - Stoney RidgeEnjoy Blue Ridge views, sunsets & city light from outstand-

    ing 1.5 story home in sought after Stoney Ridge. 2100+

    SqFt light & bright living spaces & 9' ceilings on 1st floor.

    afitch.montaguemiller.com/mls=544440$289,900 Alice Nye Fitch: 434.981.4562

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    Scottsville - TapscottCome home to peace and quiet, fish in your own stocked

    pond fed by 3 springs. swim in your in-ground pool. Perfect

    floor plan with cathedral ceilings and dream kitchen.

    carolcostanzo.montaguemiller.com/mls=544555$285,000 Carol Costanzo: 434.962.1419

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    Cville - Forest HillsFeatures 4 bedrooms, 2 bathrooms and hardwood floors

    throughout. Sunny kitchen opens onto light-filled living

    room. Walking distance to UVA/Med Ctr & Forest Hills Park.

    www.montaguemiller.com/mls=544502$265,000 Jamie White: 434.906.3944

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    Cville - Avon ParkGorgeous like-new home in the desirable Avon Park neigh-

    borhood. Truly convenient lifestyle- minutes from 250, 64,

    UVA, the Hospital, groceries, and more!

    www.1956tudor.com$255,000 Sasha Farmer Team: 434.260.1435

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    Louisa -Hunters LandingHardwood floors in open-plan first floor. LR gas FP and 9' ceilings. SS kit appliances, brkfast bar, Corian counters; elegant study with wainscoting, arched doorway, tray ceiling.

    www.montaguemiller.com/MLS=542530 $289,000 Jamie White: 434.906.3944

    CVILLE-Completely move-in ready with 2 bed-rooms & 2 full baths. Desirable Pantops area.www.1065weybridge.com$169,000 Sasha Farmer Team: 434.260.1435

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    LAKE MONTICELLO-Meticulously maintained 3BR w/ wood-burning fireplace & fenced back yard.ccox.montaguemiller.com/mls=544711$150,000 Candice Cox: 434.960.1077

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    NELSON COUNTY-Cute cottage home sitting on a private-wooded 5 acre lot.kolson.montaguemiller.com/mls=544692$145,000 Kyle Olson: 540.649.4131

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    CVILLE-1 level w/MBR/BA & walk-in closet. 2nd BR/BA, eat-in Kit, pantry, LR skylight. Sunroom & deck.www.montaguemiller.com/MLS=543878$182,500 Pat L. Sury: 434.760.2999

    SCOTTSVILLE-2BR, LR, family rm, den, W/D, ceiling fans, dog door, deck w/gates. 2 wells. Level yard.www.montaguemiller.com/MLS=542027$150,000 Shann Whited: 434.962.4741

    LOUISA-Open land, pastoral vistas-great opportunity. LR cathedral ceiling, 3BR/2BA, 2 bonus rooms. www.montaguemiller.com/MLS=539118$169,000 Brad Williams: 434.989.7721

    CVILLE-Roomy balcony with nice views & lots of natural light. Walk to D'town, shops, restaurants. www.montaguemiller.com/MLS=539411$172,500 Brad Williams: 434.989.7721

    VILLAS AT SOUTHERN RIDGE-2BR/2BA. Top floor, wonderful deck views. Pool, tennis exercise room.www.montaguemiller.com/MLS=541138$115,000 Kyle Olson: 540.649.4131

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    FEATURE W

    armer weather and warm weather sights and smells herald springtime, and springtime gatherings are extra sweet. Food and wine, music and technol-ogy, fishing and kite fly-ing . . . here in Central Virginia we have much to

    celebrate and many ways to celebrate it. Here is a look at some upcoming area celebrations in Charlottesville and beyond.

    Taste of Monticello Wine Trail Festival

    The Commonwealth of Virginia is the fifth largest wine producer in the country, which means more and more discriminating drinkers are repeating the slogan make mine Virginia wine. More than 25 Central Virginia wineries and vineyards will offer sips and sam-ples at the 2016 Taste of Monticello Wine Trail Festival, Thursday, April 7 through April 9 at the nTelos Wireless Pavilion in downtown Charlottesville.

    Ever expanding attendance is fast making the Festival a spring tradition; last years record crowd came close to the Pavilions capacity. This years win-eries include Gabrielle Rausse, Glass House, Grace Estate, Jefferson Vine-yards, Horton, Keswick, Kilauwren, King Family, Loving Cup, Pippin Hill Farm, Reynard Florence, Stinson, Veri-tas and Stone Mountain. Local pianist and singer/songwriter Adrian Duke will entertain with New Orleans-style blues, funk, R&B, and jazz reminis-cent of Crescent City greats like James Booker, Dr. John and Professor Long-hair.

    General admission tickets are $35.00. Designated Driver admissions are $10.00. Special VIP passes entitle pass holders to hors doeuvres from C&O, a wider choice of wines, access to a seating area, private restrooms, and the chance to speak with local vintners.

    Tom Tom Founders FestivalThomas Jefferson was a visionary,

    kick starting the American Revolution by penning the Declaration of Inde-pendence. Thomas Jefferson was an innovator, ceaselessly experimenting and improving on Monticello. Thom-as Jefferson was a music lover, calling music the favorite passion of my soul and encouraging musical activity in the New World.

    Named for the patron saint of Charlottesville, and very much in his inquisitive spirit, the annual Tom Tom Founders Festival is a week of music, art, and innovation held in the shad-ow of Monticello. Tom Tom brings together hundreds of bands, start-ups,

    artists, and visionaries to celebrate creative founding, launch creative ventures, and re-imagine the city as a creative stage, impacting the city long after the partys over. Over 26,200 peo-ple and 400 community organizations took part in last years festival, which had an estimated economic impact of $1.5 million on the region.

    The week-long 2016 Tom Tom Founders Festival is set for April 11 April 17, with 30 events, most of them free, at nearly 60 Charlottesville ven-ues. Throughout the week, the City as Canvas Mural Project will engage local, regional, and national artists to create murals, lead art workshops, and stage multi-disciplinary performances. On Friday, April 15 at noon Second Street Gallery will host Tom Toms second annual art luncheon, in which state-wide arts experts will speak on sustain-

    able arts careers in the Old Dominion. The Friday Block Party in Lee Park

    will feature world beats, good eats, a New Belgium craft beer garden, and a diverse lineup of hip-hop dance crews, Afro-pop ensembles, raucous brass bands, and soul and funk dance crews. On April 16 the Fourth Annual Satur-day Block Party will take over Lee Park, the Downtown Mall, and the Farmers Market with more music and dance, lo-cal food competitions, business show-cases, pitch competitions, and art per-formances. Saturday will also be Picnic Day in Lee Park, with attendees invited to bring their own potluck dishes or buy lunches from ten local food trucks ringing the park. Saturdays Sunset Concert at 6:00 p.m. will feature the blues, rock and funk of Sister Sparrow & the Dirty Birds and the funk and reggae of The Big Takeover.

    Central Virginia CelebratesBY KEN WILSON

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    Join AHIP in celebrating 40 years of work in the Charlottesville community. The critical home repairs we make have provided safe, secure, and healthyhomes for thousands of local families.

    Collaborating with CAAR and BRHBA supports quality, affordable housing for neighbors in need. Learn more online about our upcoming activities.

    2127 Berkmar Drive, Charlottesville VA 22901

    Like Follow

    AHIP + CAAR + BRHBA | AHIPVA.org434 817 2447

    Children

    Neighbors

    Seniors

    20 Sawmill Creek Water and mountain views! Great valuepriced below assessment. Custom-built 5 BR, 3.5 BA home withhigh ceilings and open flow. Marvel at lake views throughouthome and in the gourmet kitchen with breakfast nook, familyroom with floor-to-ceiling stone fireplace, and 1st floor mastersuite. Enjoy the large parcel with fenced back yard and outdoorliving space with decks and screened porch with lake views andprivacy. Ample room for guests with upstairs bedrooms or terrace-level family rooms. Oversizedgarage with workshop, front porches, hardwood floors, dual heat system. $519,900

    400 Foothills Drive Well-maintained, custom-built homewith 3 BR, 2.5 BA on nearly 2 acres. Open floor plan offersa spacious great room with vaulted ceilings and gasfireplace, quality kitchen with cherry cabinets and stainlesssteel appliances, first-floor master suite with tiled shower,office and living areas in the lower level, and abonus/storage room above the 2-car garage. Lot is partially

    fenced for pets. Centrally located to all amenities in Stoney Creek. $399,000

    Stoney Creek

    (800) 361-5155 (434) 361-2440

    www.MountainAreaRealty.com

    2788 Rockfish Valley Highway Nellysford, VA 22958

    411 Cedar Glen Close Well-maintained 3 BR, 3 BA home withextrasopen flow; gourmet kitchen with island; breakfast nookand great room with fireplace; first floor master with 2 walk-inclosets and private bath, water closet, jetted tub, and shower; fullbasement with family room with wood stove and built-ins, homeoffice, bedroom, bath, and exercise room. Great outdoor livingspace with covered entry porch and rear screened porch, deck, and patio. Mountain views, lowmaintenance landscaping, private back yard, paved drive, garage, and storage. $399,000

    carole c. saunders, gricell 434.981.3089 | office 434.946.5522 | [email protected]

    P A S S I O N, E X P E R I E N C E, I N N O V A T I O N

    93 WOODSIDE DRMotivated Seller! Well maintained, hardwood floors, cathedral ceiling, open kitchen/dining area + large LR. Huge master w/ trey ceiling, 2 closets & private BA. Maint. free trex board deck, custom built 12'x 16' Shed w. elect. Level yard, nicely landscaped & backs up to quiet wooded area.

    GAAR MLS#67900 $167,900

    41 EMERALD HILL DRFishersville - 6 BR, 4 BA. Gourmet kit.: granite counters, stainless appl., hdwd floors. Formal dining w. wainscoting, chair rail & crown molding. Open floor plan, gas FP w/ marble hearth. Gleaming oak hardwood & custom trim throughout. 1st & 2nd floor master BR w/BA. Elevated pastoral view.

    GAAR MLS#66763 $318,000

    1336 ROSSER AVEAll Brick, 1 level in park like setting. Close to shopping, schools & short commute to Charlottesville, Staunton, & Harrisonburg. Great floor plan, arched doors between LR & DR, 2 FP, beautiful hardwood floors, large kitchen w/ center island. Screened porch & mature landscaping.

    GAAR MLS#68098 $158,000

    Experience the Valley!

    Kyle Olson 540.649.4131 [email protected] O L S O N . M O N T A G U E M I L L E R . C O M

    www.CaroleSaundersRealEstate.com

    2,348 fin. sq. ft., 3 BR., 2 1/2 BA., Cedar home w/garage on 15.52 ac. Amenities: Wainscoting, chair rail & 12x40 Deck, custom features w/ oak & ceramic floors, 14x23 fully-equipped Kit. w/ cooktop/grill in center aisle, custom oak cabinetry w/ adj 12x13 Dining Rm. FP w/ oak bookcases in the 16x18 Living Rm. Full walk-out heated basement w/ beam & truss system. Stream w/ Tye River access close by for recre-ation & fishing. MLS#543789 $299,500

    Charming brick 3 BR., 2 BA., Cape Cod on .88 ac. located in Lovingston. RENOVATED! County wa-ter & sewer, high ceilings & crown molding, FP in Living Rm., formal 12x 12 Dining Rm. w/ chair rail, 11x12 Eat-in Kitchen w/ pine breakfast bar & all appl. convey. Enclosed rear porch, 12x13 Master BR. on main level w/ BA, Paved drive to 18x36 Garage/Workshop. 20x30 Outbuilding w/elec-tric. Landscaped, level yard to enjoy cookouts w/own barbecue pit. $169,900 MLS 538405

    Serene mountain views on this 15.12 Ac. in the village of Lovingston with a 3,374 sq. ft., 4 BR., 2.5 BA., Contemporary home w/ All New Updates. Privately situated on a knoll overlooking a spring fed pond & land-scaped w/ flowering shrubs, perennials & fruit trees. 14x25 Great Rm. w/Cathedral ceiling & stone FP, wood Stove on lower level Plus 13x28 Garage. Detached 24x28 Workshop. $345,000 MLS 540567

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    FEATURE

    Not every Grammy Award winning rock group has a charismatic violinist, but the Dave Matthews Band would be unimaginable without Boyd Tinsely. On Tuesday, April 12 at 8:30 p.m. at the Paramount Tinsley will introduce one of his recent extra-curricular proj-ects, a brainchild of a band named Crystal Garden that hes put together featuring musicians from Francisco, Seattle and Toronto. The concert will be free. Tinsley will play.

    Celebrating Jeffersons Birthday

    Jefferson lived to be 83, but he was remarkably private about the day he was born. The only birthday I ever commemorate is that of our Indepen-dence, the Fourth of July, he once wrote. Disapproving myself of trans-ferring the honors and veneration for the great birthday of our republic to any individual, he wrote on another occasion, . . . I have declined letting my own birthday be known, and have engaged my family not to communi-cate it. Jefferson famously died on the birthday of the republic he helped to found, and it wasnt but four years later that his own birthday was first publicly celebrated, at the Indian Queen Tavern in Washington. Virginia Congressman John Roane presided over the more than 150 attend-ees. Monticello will celebrate the 273rd anniversary of Jeffersons birth on Wednesday, April 13 at 10:00 a.m. with a ceremony on the West Lawn featuring a keynote address by childrens rights activist Marian Wright Edelman, 2016 recipient of the Thomas Jefferson Foundation Medal in Citizen Leadership.

    Ash-Lawn Highland Sheep Shearing

    Ash Lawn-Highland back in Presi-dent James Monroes day was a work-ing plantation, where guests would have seen sheep, and may have seen those sheep shorn and their wool card-ed. Virginia Tech Agriculture Exten-sion Agent Tom Stanley began work-

    ing with sheep as a nine-year-old boy in Southwest Virginia, caring for an or-phaned lamb. At 14 he began shearing, and today hes a weekend sheep farm-er with a flock of 40 that lamb each April. Stanley will demonstrate the New Zealand shearing method, easi-ly the most commonly used pattern of shearing in the U.S. today, during Ash Lawns annual Sheep Shearing Day fes-tivities, Saturday, April 16, beginning at 11 a.m. Traditional wool carding, spinning demonstrations, and other family activities will follow. This is also the day to meet Ash Lawn-Highlands newest lambs. Tickets are $5. Monroes Farm Friends members get in free. Vis-itors are encouraged to picnic on the grounds, bringing their own lunches or choosing from a selection of fresh sandwiches at the Museum Shop.

    Folklife Program at Ash-Lawn Highland

    This year, for the first time, Ash-Lawn Highland will partner with the Virginia Folklife Program to host the annual Virginia Folklife Apprentice-ship Showcase. This free, family-friend-ly event will take place on Sunday, May 15 from noon to 5:00 p.m.

    For more than twenty-five years, the Program has documented the Commonwealths music and material traditions and shared those histories through hands-on workshops, perfor-mances, exhibitions, audio and video recordings, and apprenticeships across Virginia. Now in its thirteenth year, the Showcase highlights the Common-wealths folk masters and apprentices from the Virginia Folklife Apprentice-ship Program, celebrating traditional Virginia music, crafts, and food, and in-

    troducing the public to the master art-ists and apprentices who keep the tradi-tions alive. An expected crowd of more than 500 people will enjoy live music and demonstrations of everything from bluegrass picking to oyster shucking.

    Charlottesville Earth Week Eco Fair

    The Charlottesville Earth Week Eco Fair aims to bring local communities together in ways that promote aware-ness of the value of the natural world and encourage the public to learn about the environment, with the goal of creating strong, engaged steward-ship. This years Fair takes place Sun-day, April 24 from 11:00 a.m. to 5:00 p.m. on the Downtown Mall and at the nTelos Wireless Pavilion.

    Preceding Festival Day, Barbara Kingsolver will host an Earth Day con-versation at the Paramount Theater on Friday, April 22 at 7:00 p.m. All pro-ceeds will benefit the grassroots com-munity organizing work of Virginia

    Organizing. Tickets are $48 and $32 and $25 for students. Nature lovers will gather at 420 Quarry Road in Charlot-tesvilles Quarry Park for an Earth Day River Cleanup, 10:00 a.m. to noon on Saturday, April 23. Snacks and water will be provided for volunteers. A Ri-vanna River Sojourn And Paddle will be held on Sunday, April 24 from 10:00 a.m. to 2:00 p.m.

    Earth Week Staunton Stauntons 10th Anniversary Earth

    Day Celebration is scheduled for Saturday, April 16 from 9 a.m. to 12 noon in the Sunspots Studio Pavilion in Downtown Staunton. The event

    will include hands-on exhibits and activities for the whole family, native plant sales, free sapling giveaways, live native wildlife programs by the Wild-life Center of Virginia, face painting and more. Celebrants can make wild-flower seed bombs, participate in a bee dance, and observe a live bee hive. Ad-mission is free.

    Wild Virginias Wild & Scenic Film Festival takes place on Sunday, April 10 at 7:00 p.m. at Stauntons Visulite Theater with a selection of films about the planet, its wilderness areas, and

    the people and communities who love them, play in them, and defend them. Their films are intended to inspire wonder, highlight issues and solutions, and provoke action.

    Kites and Critters Day, Sunday, April 17 from 1:00 to 5:00 p.m. at Moore Farm on Bells Lane in Staunton, will give families an opportunity to enjoy the outdoors and see the conservation and farming that go on in the citys agricultural district. Kids young and old can watch big kites or fly their own, release a trout, plant a tree, take a hab-itat walk, identify stream critters, pet a lamb, and much more. Tours and activ-ities will start at the barn. Visitors may enter the farm from Route 262.

    The Waynesboro Riverfest is a free annual event in Waynesboros Consti-tution Park. This years fest on Satur-day, April 30 from 10:00 a.m. to 4:30 p.m. will include a stream safari, a fish and fun rodeo, a farmers market, canoe rides, kids arts and crafts, stream elec-tro-fishing, and presentations by the

    Wildlife Center of Virginia and Reptile World. The day will be capped off by the Great South River Duck Race.

    Nelson CountyThe eighth annual Rockfish Val-

    ley Foundation Kite Festival will take place in Bold Rock Cidery Field behind the Rockfish Valley Foundation Nat-ural History Center in Nellysford on Sunday, April 10 from 11:00 a.m. to 3:00 p.m. This free event will include kite flying instructions, demonstra-tions by Richmond Air Force, Games, the Rockfish River Duck Race for kids, parachute races, music by Jim and Kimbo Cary, and a magic show by Bri-an Bence. The first 200 kids will get free kites. Kites and food will be available for purchase. Attendees are also invited to bring their own kites and their own picnic lunches.

    Up at Wintergreen, May 27 to 30 will be Blues, Brews & BBQ time. The long Memorial Day weekend will include a mi-cro-brew festival, blues music, an arts and crafts fair, a block party. Lake Monocan will open for the season, and The Winter-green Tread & Trail Series and The Cliff-hanger Mountain Bike Race And Trail Run will hold their first races. n

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    D I S C O V E RSuperior craftsmanship that stands the test of time.

    For more information visit www.dominioncustomhomes.com

    or call us at 434-975-1166.

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    MCLEAN FAULCONER INC.Farm, Estate and Residential Brokers

    WWW.MCLEANFAULCONER.COM

    503 Faulconer DriveCharlottesville VA 22903p: 434.295.1131 f: 434.293.7377e: [email protected]

    CEDAR SPRING 35 acre, NW Albemarle County estate with privacy, Blue Ridge views, and a stunning residence. Prop-erty includes a creek, river, pool, spa, pastures, woods, trails, and a 1840s log cabin. MLS#529384 Jim Faul-coner 434.981.0076

    SOUTH IVY Classic, brick Georgian on 3 acres moments from Murray Elementary. Superbly built, 4-bedroom home showcases a family-friendly floor plan with premium finishes, and great outdoor spaces. MLS#540799 $1,585,000 Steve McLean 434.981.1863

    RALEIGH MOUNTAIN TRAIL World-class Blue Ridge views 10 minutes to town from this extraordinary Jim Tuley designed contem-porary. On 11.5+ private acres, this beautiful home is truly one-of-a-kind! MLS#533291 $1,145,000 Steve McLean 434.981.1863

    EDGEWOOD LANE Country French home on a 0.37 acre lot in a Uni-versity of Virginia neighborhood. Formal rooms, gourmet kitchen, fireplace, hardwood floors, with 6 bedrooms and 3 baths. MLS#529646 $995,000 Judy S. Campbell 434.466.6688

    FARMINGTON Traditional, remodeled, 5 BR, 2 FP, great kitchen/FR, spacious light-filled sunroom and large deck. Hardwood floors, many custom built-ins, terrace level apartment. MLS#543809 $995,000 Betsy Swett 434.249.2922 or Jim Faulconer 434.981.0076

    OUT THERE FARM Charming, immaculate, 4-bedroom farmhouse in a private valley on 106 acres at the base of the his-toric Southwest Mtns. Stunning views of open fields, small lake and mountains. MLS#530554 $1,950,000 Charlotte Dammann 434.981.1250

    CHESTNUT HILL Dramatic Blue Ridge views from this qual-ity 34 bedroom home with c. 1800 log ad-dition and heart pine flooring and stone fire-place. On 28 acres 20 minutes from Barracks Rd. MLS#528425 $885,000 Steve McLean 434.981.1863

    THE GLEN Beautiful, 370 acre estate next to the Blue Ridge Mountains. The circa 1900 farmhouse is completely restored and enlarged. Farm is also in excellent condi-tion with a great lake! MLS#529756 $4,500,000 Jim Faulconer 434.981.0076

    REAS FORD ROAD Enjoy comfortable living in this well-maintained, all-brick home with 3 bedrooms and 2 baths. Located on over an acre of level land, there is a generous amount of living space including: a living room with fireplace; hardwood floors; windows recently replaced; a new architectural single roof in 2011; and a spacious family room on lower level with 2nd fireplace. Only 3 miles to Hydrau-lic and Rio roads. MLS#544482 $275,000 Betsy Swett 434.249.2922

    RABBIT RUNBrick and slate residence sited on 3.5 serene and private acres in interior Farmington. Designed and renovated by noted local architect and landscape architect showcasing formal living room, light-drenched sunroom, first floor master suite, and a stunning, professional kitchen. The property is park-like with invit-ing gardens, rolling lawns, pavilion with fireplace, and a 3-car garage. A must see! MLS#453292 $3,400,000 Steve McLean 434.981.1863

  • MCLEAN FAULCONER INC.Farm, Estate and Residential Brokers

    WWW.MCLEANFAULCONER.COM

    503 Faulconer DriveCharlottesville VA 22903p: 434.295.1131 f: 434.293.7377e: [email protected]

    ST. CHARLES AVENUE4 bedroom, 3 bath, brick home in excellent location and neighborhood convenient to Downtown, UVA, Pantops. Great starter home, rental, or 2-family home with in-law/rental unit in basement. MLS#537069 $329,000 Steve McLean 434.981.1863

    BEAR BRANCH FARMMagnificent mountain views from this high end resi-dence on 208 acres. This 4 bedroom home is bright, airy, and perfect for full-time living or the ultimate family retreat. MLS#532232 $1,650,000 Charlotte Dammann 434.981.1250

    FRYS PATH73+/- acre estate parcel in Southern Albemarle. Gently rolling pastures, magnificent Blue Ridge Mountain & pastoral views, gorgeous rural setting, privacy, excel-lent building sites, with pond & creek. MLS#536922 $1,200,000 Steve McLean 434.981.1863

    JAMES RIVER FRONTAGE 11.61 acres, 3 bedroom, 3.5 bath contemporary resi-dence perfectly sited on a bluff overlooking the river. Stunning great room and huge deck with magnifi-cent views! MLS#530515 $435,000 Will Faulconer 434.987.9455

    BLENHEIM FARM This stately Georgian boasts 5,400 finished sq. ft., 5 bedrooms, 4 full & 1 half baths, 18 min. from Charlot-tesville on 25+ private acres of open and wooded land. 1st floor master suite, finished walkout terrace level. MLS#495948 $749,000 Jim Faulconer 434.981.0076

    SECRETARY SANDS RD. Private 354+ acres of gently rolling land in an area of estate properties located 25 minutes south of Char-lottesville. 100+ open acres, year round streams, pond, log home. MLS#534895 $1,770,000 Steve McLean 434.981.1863

    SIMMS ROAD Stunning Mountain Views! Move-in ready, 3 bedroom, 2.5 bath home on 21.2 acres with renovated kitchen, covered porch, pool, pool/guest house, on Green/Madison line. MLS#544538 $495,000 Tim Michel 434.960.1124 or Will Faulconer 434.987.9455

    FOXBROOKLarge home near Charlottesville High School offering spacious rooms, 4 bedrooms, 3 baths, updated kitchen, screened porch and so much more in 3,000 finished square feet. Easy access to Downtown. MLS#542996. $605,000 Nancy Roche, 434.981.7873

    GARTH ROADFARM AND ESTATE PARCELS Two 21-acre tracts with favorable topography and mountain views in Western Albemarle County, off Garth Road. MLS#543670 $500,000 per parcel. Tim Michel 434.960.1124

    LAUREL HILLS Superb location mile from Downtown Crozet. Two, very level lots to build on (0.5 or 0.46 acres) or combine them! Dont miss this fantastic opportunity! MLS#523365 & 523367 $45,000 per lot Will Faul-coner 434.987.9455

    HEART OF FREE UNION 5,500+/- sq. ft. home situated on 5+ acres in Free Union. Bright, open floor plan and full walk-out basement. Beautiful setting. MLS#518256 $795,000. Steve McLean 434.981.1863

    JAMES RIVER ROAD Great opportunity to purchase 6.9 acres minutes west of Scottsville. Perfect area to build. First time this property is on the market for several generations. Take advantage of this very affordable parcel. MLS#540811 $69,000 Charlotte Dammann 434.981.1250

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    THE BELVEDERE c.1876. On nearly 5 acres, divisible into (2) parcels and located between the reservoir and the airport, the old Roberts Estate is an extraordinary proper-ty featuring an old but serviceable home with (3) modest bedrooms, (2) baths, wood floors and exposed beams. The land is a mix of open, board fenced meadow and woods for privacy. $295,000. JimBonner.com 951-5102. (537852)

    BEAUTIFUL, QUALITY, CUSTOM BUILT HOME in desirable area and convenient to Charlottesville, UVA, Richmond, medical facilities. This is the builders personal home with many amenities. Enjoy your privacy while being minutes away from shopping facilities, the mountains, his-torical homes and many types of entertainment. $459,000. Lee Wyatt, 540-718-3065. (534565)

    SPECTACULAR BOARD & BATTEN and native stone close to 8000 sq ft residence on 6 acres located in the Historic Shenandoah Valley. 30+ ceilings in the great room and dining area with massive stone FP, 2 master suites with stone fireplaces, large rec room in basement and com-plete privacy. $985,000. [email protected] Steve White, 242-8355. (542818)

    SPACIOUS ONE LEVEL HOME with 3 bedrooms and 2 baths on a corner lot in Four Seasons over 55 adult com-munity with clubhouse, pool and so much more. Two car garage, 9 foot ceilings, lots of light, open floor plan with formal and informal spaces. Come and relax in this resort style community! $290,000. Fiona Tustian, 540-661-9089. [email protected] (537568)

    CRAFTSMAN STYLE HOME in Vista View. To be built, the Washington offers a rear deck to view the Blue Ridge Mountains, 1st floor master, breakfast room, study, gourmet kitchen with granite counters, family room with vaulted ceiling & gas FP, addl 3BR/2BA upstairs, unfin-ished basement and 2 car garage. $650,000. Matthew-WoodsonProperties.com 960-5187. (526185)

    A CHARMING ENGLISH country style house on 2+ acres in beautiful NW Albemarle. The floorplan boasts 1st floor master suite with tray ceiling, great room with gas FP, built-ins & large deck, eat-in area adjoining the modern kitchen & enclosed porch and a large bonus room over the garage. Priced below assessment and irresistible at $499,500. Erika Buckman, 981-1868/951-5166. (527537)

    NORTHERN ALBEMARLE. ABINGTON PLACE at Hollymead Town Center- 3BR/2.5BA townhome w/2-car garage..mtce-free living! 3 finished levels, light-filled open floor plan, 3-sided gas log FP between LR & DR, large eat-in kitchen w/island. The lower level includes a multi-pur-pose room, half bath & laundry. $239,000. Dan Conquest 434-242-8573 [email protected] (542736)

    OUTSTANDING VIEWS. Enjoy glorious views of mountains and river from several rooms and the gazebo. Common space on two sides provide great privacy. First floor master suite. Finished lower level is almost complete-ly out of the ground. Glenmore amenities include tennis, swimming and golf, which you only pay for if you use them. $895,000. [email protected] 434-962-3420. (542961)

    ENJOY THE VIEWS from either of your decks, its beau-tiful! 2BR/2BA home in Madison County has a loft that could be used as a 3rd bedroom or office. Open floor plan with lots of windows and natural light, hardwood floors and large cooking friendly kitchen. 3.52 acres on a corner lot. $189,900. www.TammiCampbell.com 985-2348/882-5403. (528315)

    WELCOME TO a new kind of neighborhood and a new kind of lifestyle. A place where you can bike or walk. Where a short stroll brings you from the shop to your home. Where home means shade trees, green walkways, inviting porches and architect designed abodes in the craftsman style. From $465,900. The YES Team, Yonna & Keith Smith. 531-0817/531-0795.

    SMALL COTTAGE with nice views over Dyke, VA. 2 bedrooms, 1 bath, eat in kitchen, screened back porch, covered front porch. Great value! From Ruckersville, 33 West to Right on Dyke Rd. (Rte. 810) follow to Dyke, Right on Bacon Hollow Rd., go 1/2 mile to Snow Hill Rd. House at top of hill. $140,000. MatthewWoodsonProper-ties.com 960-5187. (537130)

    CUSTOM BUILT golf course community home WITHOUT ANY HIGH HOA FEES! Walking dis-tance to shops, banks, restaurants AND close to Lake Anna! Four bedrooms, 3.5 baths, hardwood floors, full basement. Includes one year buyers warranty. $309,500. Maury Atkins 540-223-2719. (542550)

    FANTASTIC BLUE RIDGE and water views from this beautifully updated 3BR home. Equally well-suited as a full-time residence or weekend retreat. Clean and bright with an open floorplan, the home sits on almost 1.5 private acres with more than 150 ft. of water frontage. 2 sheds for storage. Meriwether Lewis Elementary. Come take a look! $324,900. Lance Hoover, 989-4187. (544305)

    BEAUTIFUL ESTATE PROPERTY situated on 3 pri-vate acres with no HOA fees in an established neighbor-hood. 1st floor master, open floor plan, hardwood floors, beautiful chefs kitchen with all the upgrades & an up-graded trim package throughout. Maintenance free deck, 3 car garage. $449,900. [email protected] Susan Stewart 434-242-3550. (542173)

    Celebrating Over Eighty-Eight Years

    A Virginia Tradition Since 1927Ednam Hall Dryden Lane Charlottesville, VA 22903

    Ph (434) 951-5155 F (434) 951-5190

    [email protected] www.roywheeler.com

    ESTATE AREA OF CARTERS BRIDGE, nearly new and in excellent condition, privately situated and beauti-fully positioned on an elevated plateau surrounded by ma-ture woods. Bright open floor plan. Maple cabinets, granite counters, 2 car garage. An additional 2.99 acre adjoining lot available, see mls# 534503. $449,000. JimBonner.com 951-5102. [email protected] (534739)

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    HORSE LOVERS ALERT. This beautiful home is walk-ing distance to the new Rustling Meadows Stable. A per-fect family home to entertain in with a magnificent chefs kitchen, in ground pool w/pool house, Blue Ridge views, 2 mi. from Stonefield and mins to downtown Charlottesville! 5/6BR, 4 baths, generator, 100-year tin roof & buyers war-ranty. $987,000. Sandra Collins, 222-6645. (530439)

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    Trust, Tradition & Market Leadership

    MAKE YOUR DREAMS COME TRUE by bringing your builder with all your wishes for a new home. This 4 acre wooded lot can offer privacy if you so desire or open to a large yard. Enjoy the spring fed creek running through the property. The location is an easy commute to Char-lottesville for work or pleasure. Come see today. $69,900. MatthewWoodsonProperties.com 960-5187. (539521)

    FIRST TIME ON THE MARKET in 75 years! Multiple gorgeous building sites with Blue Ridge Mountain views. Rolling Piedmont topography offers robust stream with amazing pond site. Long road frontage on Celt Rd. and Beazley Rd. for potential land divisions. Mostly open land with some wooded areas at the back of property. $599,000. MatthewWoodsonProperties.com 960-5187. (536701)

    WATERFRONT LOT IN GREAT LOCATION in Greene Mountain Lake subdivision! Owner financing available. Lot has a gentle slope down to the water. Own-er to do partial clearing. Just 5 minutes from the charm-ing town of Stanardsville in beautiful Greene County. 15 minutes from Ruckersville and 20 minutes from NGIC. $69,300. Susan Reres, 953-5552. (532522)

    60+/- ACRES. Perfect beginning, very nice home site, abundant pasture, several streams, no restrictions, 3 division rights, yet still only 10 minutes to shopping. Come take a look! Priced $50,000 under current tax value. $499,900. Warren Maupin, 962-8939. (522614)

    THIS IS A RARE OPPORTUNITY offering a residen-tial lot overlooking one of the ponds at Greene Hills Club. Backing up to hole #6 pond, this lot offers fantastic golf course and mountain views. Access from state maintained Dundee Road and only 30 minutes to Charlottesville. $129,900. MatthewWoodsonProperties.com 960-5187. (528100)

    WESTERN ALBEMARLE COUNTY GEM. Gorgeous private elevated building site set amongst mature hard-woods just minutes from Crozet, schools and within 20 minutes of downtown Cville. Parcel will have winter views and with some clearing. Below the building site is a nice stream. Additional acreage available. $179,500. [email protected] Steve White, 242-8355. (541350)

    GENTLY ROLLING WOODED PARCEL conve-nient to Keswick or Gordonsville. Bring your builder and create your next home. With some clearing you can have a view of the neighbors pond. This property was originally two lots that have been combined into one lot. $119,900. www.GerriRussell.com 531-9581. (540678)

    ON THE ROAD to Barboursville you find this 2.31 acre building parcel located in Southwind Estates in NE Albe-marle Cty. Parcel is elevated with spectacular year round views of the Blue Ridge Mountains along with the South-west Mountains serving as the backdrop. 15 minutes from Cville and UVa this parcel is priced to sell. $189,000. [email protected] Steve White, 242-8355. (537702)

    GORGEOUS PRIVATE ALMOST 10.5 ACRE PAR-CEL located just off Owensville Rd. features beautiful hardwood forest with winter views of the Blue Ridge and with some clearing full time views possible. Adjacent to large farm so if looking for privacy close to town this could be the one for you. $334,500. [email protected] Steve White, 242-8355. (544274)

    WESTERN ALBEMARLE. Two wooded building lots located in a peaceful and private setting adjoining orchards and the Blue Ridge Mountains. Soil work and surveys complete. 5.15 acres for $165,000 and 2.14 acres for $130,000. Call your Realtor today! Mike Pe-ters 951-5119/981-3995. (532640, 642)

    HEAVENLY PLATEAU of 7.79 acres, ready to build. Well drilled, soils perked, paved access. Stream could make perfect pond site. Albemarle near Barboursville. $349,500. (533956). Two addl, beautiful 2 and 2+ acre lots are also available. $249,500. (533948) and $195,500 (533955) These 3 lots have phenomenal Blue Ridge views! JimBon-ner.com 951-5102.

    ALL LOTS - $34,900 EACH or $135,000 for all lots, ready to build on with perc sites. Close to Cul-peper, Fredericksburg and all points North in Mer-ry Meadows Subdivision. Lots range from 2.0277 acres to 2.4371 acres. Lee Wyatt, 540-718-3065. (516261)

    PRICE REDUCED! This property of 71.996 acres has beautiful mountain views and stream. This is a working cattle farm that is fenced and has multiple po-tential building sites in a highly desirable area of Madi-son County. Property is being re-surveyed and marked. $419,000. Lee Wyatt, 540-718-3065. (529510)

    RIVANNA RIVER VIEWS! Located in the established Riverbluff subdivision overlooking a wide portion of the Rivanna, this special and rare city building lot is the ideal place to build your next home. Surrounded by earth friend-ly contemporary homes with green living in mind you will enjoy the sweeping views and sounds of river. $174,000. Mike Peters 951-5119/981-3995. (539711)

    CLEARED VACANT LAND with possible divi-sion rights. 6.495 acres conveniently located near Louisa, Charlottesville and Short Pump. Close to Zion Crossroads, medical facilities, restaurants and shopping. Enjoy the country life! $44,900. Lee Wy-att, 540-718-3065. (539974)

    WHAT A BEAUTIFUL HILLTOP in the woods await-ing your new home plans! This 3.9 acre lot has been recent-ly soil tested with a great elevated spot for a private home and 3 bedroom conventional septic system. Small stream near the front and the lot rises nicely as you get back to the house site. Borders all recently flagged, so easy to check it out! $39,000. Maury Atkins 540-223-2719. (539287)

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    KESWICK ESTATE HOME: All brick with ~8 of 43 acres of grassland fence-able for pasture to accommodate horses, etc. Home features a slate roof, 7 full masonry fireplaces, 2-story center hall, swimming pool. Property has long road frontage offering substantial potential to divide without jeopardizing the quality of the manor home parcel. $1.295M. www.TheChase-Team.com 296-9860. (543692)

    TRIPLE J & J RANCH. Situated along the banks of the Tye River, this beautiful and very private 108 +/- acre farm is comprised of 4 parcels. Enjoy a mile of frontage along the Tye River along with your own island! Land is a mix of elevated sites set amongst mature hardwoods, with year round views of the river. $799,500. Steve White, 242-8355. [email protected] (538189)

    A UNIQUE OPPORTUNITY. A very special 13+ acres with lovely Blue Ridge views, significant hardwoods and beau-tiful protected knolls located just three miles from Barracks Road Shopping Center. Accessed through a charming neigh-borhood the site enjoys an idyllic setting overlooking a beauti-ful rolling countryside. $395,000. Frank Quayle, 951-5100 and Steve White, 242-8355. (529071)

    EVENING FARM. Southern Albemarle farm of 40 acres with long frontage on Green Creek and (2) state maintained roads. Ready for horses or livestock, with fencing in place and 4/6 stalls in the stable. Plenty of water, with spring and (2) ponds. Comfortable single level 3BR home with open floor plan ex-panded, renovated, and updated in recent years. $545,000. JimBonner.com 951-5102. (530611)

    WHITE HALL. Magnificent mountain views NW of Charlottesville! Great living spaces, separate apartment over 3 car garage, rooftop porch, large deck, & lovely pool & hot tub all with great views during the day & starlight nights. Almost 36 fairly level acres would provide for a sta-ble, pastures &/or vineyard. $1,475,000. Ginger Ashcom 978-1066. (530702)

    MERRIE MILL FARM. Historic manor home of 6114 sq. ft. built c.1860 featuring artistic entablature of fret-ted cornice and fluted columns. Magnificent grounds, a charming board and batten guest cottage, farm managers cottage and a third guest/tenant cottage. Farm improve-ments also include a 5 stall stable. $3,950,000. JimBonner.com 951-5102. [email protected] (509871)

    MAPLE GLEN. Come and enjoy the history of this grand property which originally held the Walnut Grove Mill. The main house was built in 1880 and was remodeled over the years. Enjoy the Rapidan River that winds through the property. There are 2 additional homes on the property and many outbldgs. Perfect for those looking for vineyard land. $3,000,000. www.GerriRussell.com 531-9581. (541182)

    A Virginia Tradition Since 1927Ednam Hall Dryden Lane Charlottesville, VA 22903

    Ph (434) 951-5155 F (434) 951-5190

    [email protected] www.roywheeler.com

    PRIVATE ELEVATED HOME SITE within minutes of Nellysford enjoys frontage along VSH 151. Parcel consists of mostly hardwoods but with some clearing some mountain view would be available. Great price on a parcel on the road that has tons of attractions including Wintergreen and multiple breweries, vineyards, and distilleries. $49,500. [email protected] Steve White, 242-8355. (539421)

    Foothill Crossing from the low $500s

    HillBrookOne Level Living off Rio Rd.

    Hyland Ridge from the low $600s

    Old Trail Creekside from the low $600s

    Old Trail Villasfrom the mid $400s

    Out of BoundsElevator Townes from the $500s

    Belvedere One Level Living from the $500s

    Avinity Rooftop Terrace Townhomes

    Cascadia Coming Soon!

    Old Trail Village Homes from the low $400s

    CRAIGBUILDERS.NET | 434 .973-3362

    MODEL HOMES OPEN DAILY 12-5

    Decorated model available for tour please call (434) 218-2352 to scheduleHalf-acre homesites in western Albemarle from the low $500s

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    ROCKY GLENEmbracing a classic Albemarle chestnut log cabin c. 1821, this artfully crafted 5BR home features natural materials, excellent craftsmanship, top of the line appliances, library, and luxurious heated soaking tub in 2nd floor master. 63 acres,

    guest cottage, stable, and pond.$1,100,000. MLS#530112

    The Belvedere, c.1876Excellent location between the reservoir and the airport, this old estate home on 5+ dividable acres, is ideal for new home and renovated guest cottage. Magnolia, boxwood, dogwood and holly from bygone years. Board fenced meadow

    and woods for privacy. $295,000 MLS#537852

    SHENANDOAH TREASURE111 acres, just 6 miles south of Staunton, Antique log and stone, with (3) bedrooms, 1 1/2 baths, stone fireplaces, dependencies, newer (2) car garage, overlooking pond and creek with falls. Private, quiet, and peaceful. Surrounded by large, prosperous farms.

    $995,000 MLS#543855

    FRAYS RIDGE ESTATEExquisite Albemarle Mansion of over 10,000 sq. ft. (9)BR, (11)BA, (4)kitchens. Elevator, theater, pool, pool house, separate guest quarters, and pond on 21 acres. Convenient Earlysville

    location.$2,950,000 MLS#513246

    ESTATE AREA OF CARTERS BRIDGE

    5BR, 3 1/2BA, nearly new and in excel-lent condition, 3.5 acres privately situ-ated and beautifully positioned on an elevated plateau surrounded by mature woods. Bright open floor plan. Maple cabinets, granite counters, 2 car garage.

    $449,000 MLS#534739

    CLASSIC CAPE CODExtraordinary brick cape cod, near Keene on 3 acres. New kitchen and baths, Exciting indoor and outdoor living spaces. Charming guest

    cottage. Excellent Value!$445,000 MLS#537494

    MERRIE MILLc. 1860, Virginia manor home of classic antiquity and prominent historic significance. Consisting of 6,114+ square feet, with timeless architectural details, magnificent grounds, a charming guest cottage, additional dependencies, barns, and stone walled

    gardens on 400+ gently rolling acres.$3,950,000. MLS#509871

    INCOME POTENTIALUnder/Over. Brand new oak and ceramic tile floors, carpet and paint. Mature landscaping, private lawn. Convenient to UVA Research

    Park, and Chris Greene Lake.MLS#540843 $239,500

    CLASSIC BRICK SPLIT FOYER2 acres, just a mile from Scottsville in Albemarle County. Five bedrooms, gleaming new hardwood floors, 2 car garage, wired for generator, detached shop and chicken house. Excellent garden area and private lot. Priced under

    assessment. $275,000. MLS#530143

    EVENING FARMSouthern Albemarle 40 acre farm, ready for horses or livestock, with a spring and 2 ponds, fenced pasture, and stables. Comfortable, updated, open floor plan 2 bedroom home, with guest quarters.

    $545,000. MLS#530611

    SWIFT RUN FARMRich in character, c.1880. Private, featuring 3 bedrooms, an elevator and backup generator. Old boxwoods, springs, barns and fencing on 32 acres in Advance Mills. Open and wooded,

    frontage on Swift Run.

    $589,000. MLS#533186

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    The resurgence of low-down financ-ing seems dangerous on the surface. However, since the 2008 recession, things have drastically changed, in-cluding requirements regarding down payments. Whats different this time? According to Karen Dowell of Real Estate Solutions (www.karendowell.com), the primary difference is the underwriting criteria. Although there are still some low credit score types of programs out there, most lenders and the government have restricted their programs to something a little more reasonable. For example, credit scores of 620 and above is generally the fa-vorite amount, but you can find some programs with credit scores below that but they are generally non-traditional and not safe vehicles, Dowell adds.

    USDA Loans (also known as Rural Development Loans)

    If a first-time buyer is looking for 100 percent financing, the go-to prod-uct is usually a Rural Development Loan, which is offered through the Department of Agriculture, according to Dowell. These loans are demograph-ically restricted to rural areas, and anything outside the city in our demo-graphic qualifies as a rural area, says Dowell. According to the USDA Loan

    Eligibility website, USDA loans allows for all closing costs to be paid for by the seller or financed into the loan. The factors that determine eligibili-ty are: credit worthiness, income and where you live. When a buyer is being considered for a USDA loan an under-writer is looking for a good paying his-tory. If you have past blemishes, they can be overlooked as long as you have reestablished your credit over the past 12 months. A buyer will need to show a two-year history of employment or steady income, but there are some ex-ceptions. Lastly, in order to qualify, the property must be located in the desig-nated demographics.

    Federal Housing Administration (FHA) Loans

    If a Rural Development Loan doesnt meet the specifications for a new buyer, and they are looking for 100 percent financing, there is another option, says Dowell. Lenders can offer buyers a government backed Feder-al Housing Administration (FHA) loan that offers a 3.5 percent down payment, if its a traditional FHA loan. In addition, lenders can also offer 100 percent financing when they partner with the Virginia Housing Develop-ment Authority (VHVA) for lower

    interest rates, and a second mortgage to cover the down payment and clos-ing cost giving a buyer 100 percent financing. To qualify for a FHA Loan, a buyer must demonstrate a solid credit performance history. If your credit his-tory is blemished by late payments and delinquent accounts, its best to clean up those issues before approaching any lender. If you plan to purchase a sin-gle-family home in Albemarle County, the FHA limits for 2015 is $437,000, according to www.fha.com.

    Department of Veterans Affairs (VA) Loans

    The Department of Veterans Affairs (VA) loan program is a government program available to qualified military veterans, reservists, active duty person-nel, or eligible family members. The loan is available in a variety of fixed and adjustable rate options. In addi-tion, borrowers are allowed to use gifts or grants towards their closing costs. The VA loan takes into consideration sporadic residency, which allows for deployment issues, and doesnt auto-matically disqualify those who have filed for bankruptcy or experiencing credit issues. In fact, it doesnt require monthly mortgage insurance, and there is the potential for minimal out-of-pocket expenses with seller contri-butions, according to wellsfargo.com. However, buyers can typically expect to pay a one-time VA funding fee that can be financed into the loan amount.

    What about Private Mortgage Insurance (PMI)

    Although low-down payment loans are appealing to most potential buyers,

    there are some who are concerned with having to pay Private Mortgage Insur-ance (PMI). PMI protects lenders in case buyers default on their loan pay-ments. For this reason, the Rural De-velopment Loan is the go-to product, said Dowell. The Rural Development Loan has whats called the funding fee - and this fee is structured with a 2 percent upfront (cash or financeable) component, which is financed some-where in the ballpark of 1 to 1 per-

    cent. In addition, theres a monthly component of .40 percent of the outstanding balance that is spread

    out over 12 months, and adjusted each year. Dowell believes that this is the cheapest way to give buyers 100 percent financing with the lowest pay-ment, which is why this product fits the needs of most buyers.

    Make 2015 the Year of Homeownership

    According to money.cnn.com, 2015 is the year for the home buyer to get into the housing market. In some markets, rents are continuously rising higher than wages. Now that down payment requirements are lower, po-tential buyers can finally afford to get into a home. Borrowers with steady employment, income and good credit history, but not enough money in the bank, will find it easier to buy a home. With the resurgence of low-down pay-ment options, prospective homebuyers have the opportunity to finally stop renting and purchase the home theyve always wanted. n

    Janet Thomson is a freelance writer, copywriter and military wife residing in Charlottesville.

    Sources:KarenDowell,

    Karen Dowell Real Estate Solutions- 434-531-6948 [email protected]

    http://eligibility.sc.egov.usda.gov/eligi-bility/welcomeAction.do

    http://www.fha.com/lending_limits_state?state=VIRGINIA

    http://www.fha.com/fha_requirements_credit

    http://www.bankrate.com/finance/mort-gages/the-basics-of-private-mortgage-in-surance-pmi.aspx

    https://www.wellsfargo.com/mortgage/loan-programs/fha-va-loans/

    http://money.cnn.com/2015/02/16/real_estate/low-down-payment-mortgages/

    GETTING THE

    Low-Down on Low-Down MORTGAGE OptionsBY JANET THOMSON

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    NEWS & VIEWSCONTINUED FROM PAGE 7

    SouthForkSouthernclassicsSpikedSlidersgourmetbooze

    infused foodPieGuymeatandvegetablepies

    Downtown Chili ShowdownPresented by Monticello Media & Red Shoe Cville

    The Chili Showdown features homegrown and professional chefs vying for Crowd Favorite and Judges Choice awards. The event raises mon-ey for the Ronald McDonald House of Charlottesville. Tickets available online: http://tomtomfest.com/events/down-town-chili-showdown-brew-ha-ha/

    Community PicnicFrom 1 3PM on April 17, during

    the Sunday Picnic Day block party at Lee Park, dozens of local organizations set up in front of the stage for a com-munity-wide meal. Organizations in-clude: Barefoot Bucha, Morven Kitch-en Garden, Rebeccas Natural Food, Madison House, Relay Foods, C-VILLE Weekly, Local Food Hub, Girl Scout

    Troop 226, Paradox Pastry, Piedmont Family YMCA, Indoor Biotechnologies, Charlottesville Derby Dames, Persian Cultural Society, Virginia Department of Veteran Services, Better World Betty, among others. Sign up for the Commu-nity Picnic online:

    http://tomtomfest.com/events/community-picnic/

    About Tom Tom Founders Festival

    The 5th Annual Founders Festival is a week of concerts, talks, competitions and public art that connect hundreds of bands, startups, and visionaries, this April 11-17 in Charlottesville, Va. Tom Tom is a nonprofit that hosts dozens of events each year to celebrate and empower the founders of creative, civ-ic, and entrepreneurial ventures. In 2015, Tom Tom had attendance of over 26,200, showcased over 400 communi-ty organizations, and had an economic impact of $1.5M on the community of Charlottesville. n

    BATESVILLE3+ HILLTOP ACRES

    Elevated site overlooking Mechum River. Nice distant views. 3BR, 2BA oakwood mobile home. Electricity, drilled well, and septic field for a four bedroom house in place. Only 1.5 Miles from beautiful downtown Bates-ville. $109,000.434.466.4634

    WESTERN ALBEMARLE

    CROZET HISTORICAL DISTRICT NEAR MINT SPRINGS PARK

    Country classic, 4BR/2BA On one half acre only 1 mile from beautiful downtown Crozet ... you will love the Golden glow of the original hardwood floors . Large bright kitchen with five windows, office, large utility room. Central air & heated with high efficiency gas fur-nace. Flue for wood stove with beautiful rock & mantel in LR. Bountiful landscaping surround large deck off the kitchen. Man Cave garage with Electric and woodstove. Qualifies for 100% financing. $239,000434.466.4634

    CROZET COUNTRY SETTING

    Lovely 4 Bedroom, 2 Bath Cape Cod on half acre in the country. Approx 2100 square feet. First Floor Master has two skylights. Hardwood floors & brick Fireplace with nice insert. Full basement makes a GREAT gameroom. Land-scaped patio with water garden. Large garage. $239,000.

    THIS HOME QUALIFIES FOR 100% VHDA RURAL HOME FINANCING

    434.466.4634

    4658 Advance Mills Rd, Earlysville $695,000 MLS# 52329452 acres plus a two-acre deeded parcel. The rolling pastoral land with mountain views & several streams provide an unparalleled beginning for your future estate, equestrian property, small farm or vineyard. Large amount of road frontage and up to five division rights also make this exquisite piece

    of land ideal for development as well. Conveniently located off of Rt. 29 close to the airport and Hollymead shopping center.

    ExcEptional advancE Mills propErty For salE

    Call to arrange a showing of this fine property

    434.981.1421 [email protected]

    Moving to an unfamiliar city? Let me connect you with a Certified Residential Specialist (An experienced REALTOR). Because you deserve a REALTOR who will go the extra mile when youre moving the extra mile.

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    HOME SALES STATS FOR WEEK ENDING MARCH 25, 2016

    HOMES SOLD

    4570 BETHEL HOLLOW LNCOVESVILLE

    1304 NUNLEY STREETCHARLOTTESVILLE

    1109 FOX RIDGE DRIVEEARLYSVILLE

    3271 LONG ACRE ROADPALMYRA

    86 THACKER ROADMINERAL

    102 RAINBOW DRIVEARRINGTON

    LOCALGOVERNMENT(Note: Real estate tax information gathered from local government Web sites and is believed but not guaranteed to be accurate as of publication date. Towns may assess real estate taxes in addition to those charged by each county.)

    CITY OF CHARLOTTESVILLEwww.charlottesville.orgReal estate tax rate: $.95 per $100

    ALBEMARLE COUNTYwww.albemarle.orgReal estate tax rate: $.819 per $100

    FLUVANNA COUNTYwww.co.fluvanna.va.usReal estate tax rate: $.899 per $100

    GREENE COUNTYwww.gcva.usReal estate tax rate: $.75 per $100

    LOUISA COUNTYwww.louisacounty.comReal estate tax rate: $.68 per $100

    MADISON COUNTYwww.madisonco.virginia.govReal estate tax rate: $.68 per $100

    NELSON COUNTYwww.nelsoncounty.comReal estate tax rate: $.72 per $100

    ORANGE COUNTYwww.nelsoncounty.comReal estate tax rate: $.804 per $100

    There were 45 homes sold in the seven-county area

    n Twenty-three were in Albemarle with an average price of $332,997.

    n Eight were in Charlottesville with an average price of $234,300.

    n Four were in Fluvanna with an average price of $245,260.

    n One was in Greene with a price of $174,000.n Five were in Louisa with an average price of

    $271,700.

    n Four were in Nelson with an average price of $288,725.

    The REAL ESTATE WEEKLY is published weekly by the CAAR Real Estate Weekly, Inc., a wholly owned subsidiary of the Charlottesville Area Association of RealtoRs, Inc. Copyright All rights reserved. Reproduction in whole or in part without permission of the publisher is strictly prohibited.

    All advertising published in the REAL ESTATE WEEKLY is believed to be truthful and accurate. No advertising will be published in the Real Estate Weekly if it is known to be inaccurate or untruthful, but this publication does not warrant, nor is it liable for, the accuracy or truthful-ness of the advertising placed within this publication. Neither the CAAR Real Estate Weekly, Inc., nor its corporate parent, the Charlottesville Area Association of RealtoRs, Inc., assume any responsibility and shall have no liability whatsoever for errors, including without limitation, typographical errors or omissions in the REAL ESTATE WEEKLY.

    Any reference made to the CAAR Real Estate Weekly, Inc. or the Charlottesville Area Association of Realt