When most people set about finding their next home, their attention is occupied by how well the listed properties fulfill the family’s immediate housing needs. These include not only the state of the physical structure, but everything else—including well-nigh unclassifiable elements like style and taste and just how the place feels.

But there is at least an arguable school of thought that all of those elements can wait. This opinion has it that the house itself is the cart, and putting it “before the horse” is sometimes a mistake. In their view, this particular “horse” is the Milton, DE neighborhood in which the house is located. Regardless of just where the neighborhood should fit into the overall picture, some elements do belong high on the list:

SECURITY. Web listing crime rate statistics tell a story about safety. They can be unexpected based on proximity to high traffic areas, commercial developments, or public facilities. You might compare the statistics with those for your current neighborhood to get a better idea of what they represent.  

FINANCIAL. Daily expenses in different parts of Milton, DE may be greatly affected by such things as proximity to reasonably-priced grocery stores, simple highway access, etc. A ten-minute driving difference that seems insignificant when house-hunting can add considerably to transportation expenses over the years. 

COL. Similarly, easy neighborhood access to Cost of Living markers like healthcare providers and utility services can make a practical difference in keeping monthly budget numbers down. Recreation can be expensive or free, depending on nearby public facilities.

THE OTHER STUFF. A bustling Milton, DE neighborhood may be right for you, or a quieter, more secluded one—aspects that can vary from one street to the next. If seclusion and privacy appeal to you, opting for the perfect house on a busy street corner could well be a wrong call!

I’m here to help define the factors that point us in the right direction for finding the right Milton, DE house at the right price—ideally, in the perfect neighborhood for your family. Call me! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

It might seem that some actions are perfectly obvious—and that among them are the many things you shouldn’t do immediately before moving to a new Milton, DE home. Yet, as moving day approaches, the multiplicity of tasks that are left to be done have a way of filling up the brain space usually reserved for sound decision-making.

A good example has to do with the living room furniture. It’s definitely one thing you should NOT do before moving:   

1)      Forget to measure the living room.

Making the assumption that all of your present furniture will fit nicely in the new living room is fraught with peril. The movers will want to know where to put the second couch you’ve just paid to have moved.

Ten other leading not-to-dos before moving:     

2)      Buy a puppy (especially a big, energetic one).

3)      Put off notifying your old utilities/new utilities. (Unpacking by flashlight is ill-advised).

4)      Not bringing the flashlight.

5)      Wait until the last minute to notify the post office of your change of mailing address.

6)      Not labeling the cartons (all of them).

7)      Not bringing a marking pen to mark any unlabeled cartons after you’ve had to open them to see what’s inside.

8)      If you’re taking the refrigerator, defrosting it in advance.

9)      Neglecting to assemble a box of items you’ll need in the first 24 hours in your new home.

10)  Not keeping a close watch on valuables (jewelry, electronics, documents, and cash).

11)  Forgetting to take photos of the old place memorializing that it’s “broom clean.”

Moving to a new Milton, DE home is sure to be an adventure—but whether it’s one you’ll look back upon fondly is largely a function of preparedness. No matter which it turns out to be, I’ll be here awaiting your call re. your next Milton, DE real estate adventure! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

 Shopping for the best Milton, DE mortgage rates was supposed to have been made easier by requiring lenders to advertise more than just their interest rates, but in practice, the result doesn’t always work as well as intended. What it does do 100% of the time is to put consumers on notice that the cost of borrowing is not a simple matter.

Finding the best deal takes a little figuring.

If you’ve ever shopped mortgages, you know that you’ll see both the advertised “interest rates” and an “Annual Percentage Rate.” The APR is usually higher because it incorporates the additional loan charges and fees not shown in the nominal interest rate. The 1968 Truth in Lending Act required that the APR be included—and it would seem to be a fairer way to compare loans. If one lender requires you to pay 2% of the loan amount up-front, while another doesn’t, even if the latter has a slightly higher basic interest rate that might be more of a bargain. So going by the APR rather than just the nominal interest rate makes for a truer comparison, right?

But just as “all that glitters is not gold,” all consumer protection doesn’t necessarily work as planned. For one thing, not all APR calculations include the same costs. As thebalance.com points out, lenders have wiggle room. “Credit report fees, appraisal fees, and inspection fees may not be part of a given APR quote.”

Even more significant, APR calculations assume that a loan will be paid off over the full term of the loan. It spreads the other-than-interest costs equally over that term. For a standard 30-year Milton, DE mortgage that is paid off according to that plan, the APR is one thing. But if the median duration of homeownership in the U.S. is 13.3 years (probably an overstatement)—then a more likely APR would be significantly higher. Ditto for borrowers who refinance, because they pay off the original Milton, DE mortgage well short of the original term.

The upshot is that—like so many aspects of buying and selling a home—experience teaches that stepping back to take the full picture into account makes for better decision-making. When you give me the call, I’ll help you do just that! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

The game of golf remains a leading participation sport across Milton, DE—but over the past decade, its growth as an industry has rolled into a hazard. According to a sobering report in The Wall Street Journal, some unanticipated demographic factors have combined with legal problems to drive some golf-home property values out of bounds. Even Golf Operator Magazine calls golf’s decline “a perfect storm.” As a result, it’s fair to say that Milton, DE golfing enthusiasts who resisted the allure of some golf course community developments now have reason to celebrate their forbearance.

You didn’t have to have been a top-notch golfer to have appreciated the promise of life along the links. Especially in the 1980s and ‘90s, developers flooded the market with resort-like golf-course developments. There are 3,800 private clubs in the U.S.—a quarter of them built after 1970. Even non-golfers could appreciate the appeal of living near the wide-open green spaces of a beautifully kept private course—not to mention the anticipation of property value growth as the newly planted links matured into ever more desirable golf destinations.

Problems began to develop a few years back, as younger Americans failed to match their elders’ enthusiasm for the game. The National Golf Foundation counts 23.8 million active players, down from a 2001 peak of 30 million. The repercussions are many, but the dramatic falloff in revenue has caused the closure of 1,000 courses—with dire consequences for the real estate developments associated with them. For courses that continue to operate despite lower participation rates, homeowners’ association member fees can skyrocket (from $5,000 to $24,000 annually in one example). This can cause home sellers to find few buyers at any price—especially among younger people who are not interested in golf. Lawsuits have resulted—further weighing on property values. And when a course is shuttered, dried-up fairways and deserted clubhouses are scarcely an attraction.

Not mentioned in the Journal article is the possibility that the phenomenon could reverse at some time in the future, so the current trend could undergo a turnaround to the benefit of second- or third-wave buyers. But in the meantime, some area homeowners might take comfort that their homes lack a golf course connection. Their Milton, DE property values are rooted in their home’s condition and the health of the community—rather than an uncontrollable outside factor like the health of a sport. For all the latest Milton, DE real estate options, give me a call anytime! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com