You won't hurt your credit score by checking your own credit, and you're entitled to check it for free once a year. You can use a site like Credit Karma or go directly to the credit bureau... it's your chose.
I wrote a best selling book on how to buy a home without getting ripped off. You can read it free on Amazon Prime. Follow the links below.
Don't Let Them Make a Monkey Out of You! Follow the links below.
The question in regard to the home listed at 432 Twin Oaks Lane is easy to respond; however to further assist you with considering purchasing in the Charlottesville Virginia area; that will take more communication. Call me at 434-9+81-8730.
I would be more then happy to assist you with painting the picture of our area; and see if it's something that would be conducive to your family or lifestyle.
This home in particular is constructed in a part of the county of Fluvanna that is more rural. The quality of the construction materials is actually very high end (almost too high end for the retained value from this original owner- makes it a Steal for the next homeowner!).
Specific pieces were brought from custom designers; and the structure is triple secure quality materials. Literally; you could roll a bull dosser over the floors and not see or feel a single creek, or budge!
The external porch rails appear not as fancy as what you may be expecting; however that is not where the bulk of the money and value are located.
I am genuinely curious as to why you feel the materials are low grade; and that will assist me with answering your questions or concerns more accurately.
IF you could take this EXACT home; pick it up and drop it on a 1/4 acre lot in the "Meadowbrook Heights" neighborhood of Charlottesville; it would (as is) be valued at around $850,000.00 and would have to be on a lot that is LESS then 1/2 acre.
The Charlottesville area is traditionally followed by the Northern Virginia Housing market. The last 2 years we are experiencing MUCH BETTER statistics then Northern Va. This Charlottesville area is full of HIGH price residential based on location. IF you go outside of the 15 mile zone from Charlottesville (Louisa, Fluvanna, Greene, Orange, Scottesville, Madison, etc)...you get 10 acres and a 1/2 million dollar home for less then $450k! There are properties that are 3-5,000 square feet that are just as affordable where in the city you can spend 1million for a 2 bedroom Downtown condo. It's just the demand for location and lot size.
Hope this helps and look forward to answering any specifics you may have!
FYI- The owners are considering a price reduction to draw attention; keep posted in the next week if they decide to reduce!
If it is heated living space it can be added as sq footage. An appraiser, or realtor, will assign different values to finished space depending on where it is. Basement finished space has less value than the space above ground, for example.... more
I have noticed prices in Mineral/Louisa steadily dropping. Might this also be in relation to the most recent earthquake, considering the epicenter was in that area? I am very hesitant to even consider properties in that area, though most of the type of home I seek (2+ bedroom, 2 bath, garage on 2+ acres) happens to be in or near those areas.... more
The most recent sale was for a lot with a deeded boat slip. It sold for $70,000. Access lots anywhere on the lake that do not have deeded boat slips sell for less and take considerably longer to sell. One of the communities here at Lake Anna that does not have enough slips for all of the access lots allowed owners to buy multiple lots at one time. These owners have since sold them for thousands of dollars more than they paid for them. Lots that originally sold for $12,000 have sold for as much as $20,000. This gives you some idea of how valuable a deeded boat slip is and why those lots that have them sell faster and for more. Wish I'd seen your question sooner.... more