http://www.deepcreeklake.com/RealEstate/JayFerguson/detail.aspx?id=GA8028863
| Great value at Roman Ridge! Enjoy unobstructed views of Deep Creek Lake & State Park from the deck & walking distance to morning coffee & newspaper at nearby cafe (w/ WiFi). Instant income, established vacation rental. Dock rentals available across the street. Call for more details or for rental history. Close to ski slopes, too! |
“41% of Americans expect home prices to rise over the next 12 months…”
By Jeff Brown 02/12/13 – 12:36 PM EST
In fact, a survey from Fannie Mae indicates that more and more potential buyers are getting ready to move off the sidelines. As people see reports of rising home prices they lose their worries, so prominent in the past few years, about buying a home that will fall in value. And, of course, when prices are rising, potential buyers want to move before prices go up even more.
Fannie Mae’s survey of 1,003 Americans found that 41% expect home prices to rise over the next 12 month, while only 10% expect prices to fall.
By CNBC | Posted Mar 13th 2013 12:00PM
Sometimes financial terms sound complicated and arcane; other times they sound exactly like what they are. That’s the case with a jumbo mortgage. CNBC explains:
What is a jumbo mortgage?
A jumbo mortgage is a home loan whose value is larger than that of a conventional mortgage. A conventional mortgage is one that can be purchased by government-sponsored entities Fannie Mae and Freddie Mac. These two entities set the maximum value of loans they will purchase.
At what value does a mortgage become jumbo?
The current maximum value for a conventional loan is generally $417,000, but after the housing crash the limit was raised in certain designated “high cost” areas. At first it was raised to $729,750; but then in October 2011, it was reduced to $625,500.
Recently renovated charming home with plenty of elbow room conveniently located close to town, schools, parks, etc. This lovely brick and siding rancher also boasts of a completely fenced in back yard and an oversized attached garage as well as a full basement. Call today to schedule a showing.
| 105 B ST OAKLAND, MD 21550 http://www.deepcreeklake.com/RealEstate/JayFerguson/detail.aspx?id=GA8028128
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| Recently renovated charming home with plenty of elbow room conveniently located close to town, schools, parks, etc. This lovely brick and siding rancher also boasts of a completely fenced in back yard and an oversized attached garage as well as a full basement. Call today to schedule a showing. |
  $124,500
Listing # GA8028128
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http://deepcreeklake.com/RealEstate/JayFerguson/detail.aspx?id=GA8023150
| Vintage cottage on the Southern most point of Deep Creek Lake. Level lakefront lot, type A dock & unobstructed panoramic view with Western exposure. Sale contingent upon the approval of Garrett County, Maryland Circuit Court. Property Disclaimer / Trustee Sale. |
  $449,000
Listing # GA8023150
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Victorian Home Zoned for Commercial use renovated close to original condition. Attention to detail throughout bringing back the character of the era. Hardwood floors, turned stair case, 9′ ceilings, wrap around covered porch & finished 3rd floor. Much work has been done for business use making this the perfect place for a shop, cafe, office or a wonderful warm home. A MUST see!
http://realty.railey.com/deepcreekrealestate/detail.aspx?id=GA8017246
| Contact Jay Ferguson @ 301-501-0420 or DeepCreekLaker@Gmail.com for more information or to setup a private showing for this property. |
| Listing # GA8017246
$219,000
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The Garrett County commissioners on Tuesday unanimously approved three amendments to the county’s 10-year Solid Waste Management and Recycling Plan (2004–2014). As required by the Maryland Department of the Environment (MDE), the new regulations pertain to methods for recycling in public schools, recycling light bulbs, and recycling electronics.
Manager Dave Baker, Garrett County Department of Solid Waste and Recycling, noted that though the amendments are new state requirements, his department has already implemented them.
“They’ve been up and running for some time,” Baker said.
Kim Madigan noted that one of her first jobs as recycling coordinator for Garrett County was to start a school program.
“We’ve been recycling since 2005 in our schools,” she said.
Working in conjunction with school and board of education personnel, Madigan said it took her a little over a year to get the initiative up and running. She described the end result as “excellent.”
“I’m very proud of that program,” Madigan said.
The 10-year plan calls for Garrett County schools to collect, but are not limited to collecting, #1 and #2 plastics, cardboard, mixed paper, tin cans, aluminum cans, magazines, and newspaper. The Board of Education is responsible for picking up the materials biweekly from each school.
Garrett College is also required to collect office paper, #1 plastics, aluminum cans, toner cartridges, light bulbs, motor oil, tires, and batteries.
Madigan said her department also came up with a strategy to collect fluorescent light bulbs (4-inch lamps, 8-inch lamps, and U-tubes), compact fluorescent light bulbs (CFLs), and non PCB ballasts for recycling. That program has been in place since May 2010.
Currently the program is limited to individuals (Garrett County residents), not businesses. In addition, because of potential mercury exposure, bulbs (unbroken) are only accepted at the county landfill. The bulbs must be given to a landfill employee, who then places them in a properly ventilated 10-foot by 10-foot shed. The materials are stored in the MDE approved shed until they are ready for shipment to a recycling contractor for processing and recycling.
In the event of bulb breakage, landfill staff must contact MDE and follow guidelines set forth in the Mercury Spill Emergency Response Manual.
Baker indicated that it is currently cost prohibitive for the county to construct bulb collection sheds at all of the county’s refuse collection sites.
The county has also been accepting electronics for recycling for several years. This initiative started as a pilot program through a grant from MDE. Madigan noted that electronics are accepted at four of the county’s refuse collection/recycling sites.
More information about recycling in Garrett County is available at garrettcounty.org or by calling Madigan at 301-387-0322.
The Garrett County Department of Public Utilities will resume work on the Thayerville Water Project on Monday, March 11. Construction will occur between the hours of 7 a.m. and 5 p.m., Monday through Friday.
The contractor assigned to the project will be installing a water line along the section of Glendale Road from the Glendale Bridge to Route 219/Garrett Highway beginning Monday.
“The county apologizes for any inconvenience this construction may have for anyone who needs to travel this route,” said county administrator Monty Pagenhardt.
The anticipated completion date of the work on Glendale Road is Friday, May 3. Any deviations of this projected completion date is contingent on weather conditions.
During the time of construction, the roadway will be closed to traffic and detours will be posted. However, public access will be permitted to residences and businesses in the work zone, but delays may be experienced.
For more information, persons may contact the Department of Public Utilities at 301-334-6983.
Gov. Martin O’Malley and the Board of Public Works yesterday approved Program Open Space funding for a recreational project in Garrett County. A $22,000 grant was awarded to the Avilton Community Association to install additional playground equipment and to construct a new pavilion at the community’s public playground.
“Whether your children play sports at their community ball field, your family bikes at their local park, or you play tennis with friends at a nearby court, Program Open Space projects benefit all of us,” said O’Malley.
Since 1969, Program Open Space has provided funding for the state to preserve 362,737 acres for open space and recreation areas. Of this, 41,697 – more than 10 percent – have been preserved within the past five years under the O’Malley-Brown administration.
The three-member Board of Public Works comprises O’Malley (chair), Treasurer Nancy Kopp, and Comptroller Peter Franchot. The BPW is authorized by the General Assembly to approve major construction and consultant contracts, equipment purchases, property transactions, and other procurement actions.
The Garrett County Commissioners have adopted a program whereby the County will grant to Deep Creek lakefront property owners a $1600 incentive for new completed shore erosion projects in fiscal year 2013. The program is designed to help property and real estate owners with the costs of construction of shore erosion structures along the lake shoreline. The funding applies to both structural (e.g. rip-rap) and nonstructural (e.g. vegetative) control measures.
DNR estimates that there are 8 to 10 projects that might be eligible for the funds. The project must be completed and inspected by both DNR and MDE in order for the property owner to be eligible for the incentive.
The program is part of a broader package of policies that the county is looking at for the protection of the watershed. This is a pilot year for the program and no decision has been made as to if it will be made available in the next county fiscal year.
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