Home Buying in Pennsylvania>Question Details

Matt, Home Buyer in Baltimore, MD

I am looking into moving into the Pa area right over the border from MD. What are the property and school?

Asked by Matt, Baltimore, MD Thu Feb 28, 2008

taxes in York County? Also has anyone heard anything good/bad about Keystone Custom Homes?-

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You are probally right, but the builder implied that they were taking care of situation and because of other situations which the builder took full advantage of couldn't afford an attorney. ALSO, there are alot of other problems with the structrue but didn't want to sound petty!
0 votes Thank Flag Link Thu Jun 5, 2008
The article linked below represents the view of one dissatisfied homebuyer who has a problem not with the structure of the property but rather the builder. She should have sued immediately for breach of warranty. Even if there is no express warranty, there is a common law implicit warranty, that the builder warrants a property from latent defects. It looks like someone should have consulted a lawyer!
0 votes Thank Flag Link Tue Jun 3, 2008
Hi Matt,

It has been several days since you asked your question. Have you found a Realtor to serve as your buyers agent? That might be the best place to start. Your agent will help you get specific answers on the taxes in the area that you plan to purchase. Before you write an offer on any home you will want to know what your monthly tax burden will be because that will have a pretty big impact on the price you can pay for your home.
Pennsylvania property taxes have three parts; school tax, county tax and municipal tax. York COUNTY taxes are the same across the county, but you will see large tax differences from one school district to another, and also from one municipality to another within the school district. It would be nice if you could use the tax rate as an indication of how good the schools are, but I am afraid that line of reasoning just won't hold up.
Another thing your buyers agent will do is to help you find a trusted local lender. A local lender knows what taxes you will have to include in your monthly mortgage payment. My experience has been that out-of-state lenders often don't get that right. If you don't know the tax cost you might be looking at the wrong homes for your budget.
Another thing to think about is your drive time, but probably more important these days, the cost of your commute. Your lender is not going to ask if you have budgeted for gasoline, so you will have to estimate for yourself what that is going to cost, and how it effects your ability to pay your monthly bills.
York is a beautiful county to live in. You can live on a lake or river, in a townhome or on ten acres of your own woodland, in a new home or one that somebody else has loved for a while. Lots of good choices to be made! Have fun; we would love to see you here in our neck of the woods.
0 votes Thank Flag Link Tue Jun 3, 2008
Keystone has a nice product. You will hear all types of good and bad. just go see for yourself. I can also connect you with other builders and deal about the area. Let me know. The taxes in york county are based on school districts. I can forward you a link to view them if you give me your e mail address. In PA you pay school tax, county, and and a township tax. If you work in MD and live in PA at tax time in April you will have to pay a 1% income local tax if your employer does not take it out of your check.
Let me know if you want some local listings in the area or if you want to find some buiders and new communitys. I am happy to help you....
0 votes Thank Flag Link Thu May 29, 2008
Do NOT buy a Keystone Custom Home. Jeff Rutt doesn't stand by his product. Shody work, to many sub-contractors and nobody protecting the homeowners interest.
0 votes Thank Flag Link Thu May 29, 2008
Keystone Custom Homes is a reputable company, based in Lancaster County (as am I). The buyers that I have worked with to purchase a KCH home have been pleased, and it has been a good experience. PA does honor buyer agency, and should not cost you anything, so I agree - find a reputable agent who is looking out for YOU in ANY real estate purchase in PA.

Southern York county has some great offerings and is a convenient commute. Southern Lanc. Co. is another locale that works for Baltimore commuters (though this is more of an I-95 commute, vs. I-83)

Best of luck to you! Welcome to PA! :)
0 votes Thank Flag Link Mon Mar 10, 2008
Hi Matt,
Keystone has been around for a long time.I have only heard good things about them.The taxes in York are reasonable compared to other counties in PA.Keep in mind New construction is always valued at a higher percentage rate.If you do buy there.Make sure you apply within 30 days to have it reassessed.It should lower it a tad in most cases.I have sold a few clients homes up that way and they are very happy.
0 votes Thank Flag Link Sun Mar 2, 2008
I have sold many Keystone Custom Homes both new and resales to my clients and would be happy to answer all your questions. We may want to start by looking at resale homes as there are several resale Keystone Custom Homes currently on the market and then compare pricing with the new homes. Please feel free to contact me anytime.
0 votes Thank Flag Link Thu Feb 28, 2008
Pa is Great. keystone builds a nice home. Be careful to use a buyers agent to protect you from builder whoes. This will cost you nothing. Buyers agents are paid by the seller of the property.As far as taxes it all depends on which school district you are in. We pay school tax in Sept. County and Mun in July. You can go onto the york county web site and look at the millage rates to judge which school taxes are lower.If you have a property in mind I would be better able to tell you exactly what the taxes would be. A great site for schoool is http://www.schoolmatters.com or citydata.com. There are plenty of things for kids to be involved in here after school activities, ymca, hanover scoccer club. just to think of a few.
Run for the border and take a break from BGE!!! Let me know if you have other questions. Good luck...
0 votes Thank Flag Link Thu Feb 28, 2008
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