Living In Picturesque Nelson County Virginia

Living In Picturesque Nelson County Virginia

Living in beautiful Nelson County Virginia means you are just minutes from some of the best area attractions in the Central Virginia region. 

Nelson county Virginia is home to Wintergreen Ski Resort offering skiing, snowboarding and snow tubing. Wintergreen also offers 45 holes of championship golf. Remember the popular Television show The Waltons? That's right! Nelson county is home to the famous Waltons Mountain. Writer Earl Hamner Jr wrote the series and is from Schuyler, a small area of Nelson County. He based the show on his personal experiences being the eldest son of his large family during the depression.

A favorite in the county, amoung local residents and visitors is the Nelson Farmers Market Coop in Nellysford. Even if you haven't yet moved to Nelson county this is well worth the drive to support your local farmers and area businesses. Get all the fresh local produce here and enjoy some live music while you shop for all of your fresh meats, cheeses, poultry and fine crafts.  The farmers market will begin May 11th and will be held every Saturday through October from 8AM until Noon. 

3079 Rockfish Valley Hwy Afton Va

Check out my featured Afton Virginia Home For Sale

Carefully restored with attention to details bringing this 1920's built classic back to life blending the new with the beauty of the old. Complementing the new are original pine flooring, solid wood interior doors with the vintage hardware, French doors, classic wood trim & door framing, arched entryways, leaded glass windows with transoms, 9' ceilings & spacious rooms throughout. Renovated kitchen w/granite, ceramic tile, custom cherry cabinetry & new appliances. Just minutes to Wintergreen and the Nellysford Farmers Market!

 Views from the covered Front Porch

Fenced  area on the 2.5 acres suitable for horses with a shed and run-in

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Sherry Hayward

Keller Williams Realty

Listing Specialist

(703) 655-2223

shayward@kw.com

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Buying vs. Renting Your Home

Is now the right time for you to buy a home? You have many options to consider and choices to make. Buying a home is a big responsibility, financially and emotionally, but, most people want to own a home. Homeownership often is referred to as "the American dream." Why is it so special? Among the reasons: Real estate often is an excellent investment, perhaps the number one source of wealth-building for families.

Owning a home has many benefits. When you make a mortgage payment, you are building equity - and that's an investment. Owning a home also qualifies you for tax benefits that may assist you in dealing with your new financial responsibilities - such as homeowners' insurance, real estate taxes, and upkeep - which can be substantial. But given the freedom, stability, and security of owning your own home, they are definitely worth it! Owning your own home also can be a great source of pride and stability.

But homeownership may not be for everyone. It's a big financial commitment - starting with the initial shock of your purchase (including a "down payment" and fees paid to a real estate agent, the lender and others) followed by years of monthly mortgage payments, real estate taxes, property insurance and maintenance costs. When you decide to purchase a home, you accept responsibility for paying for these expenses. They are additional costs to your monthly mortgage payment and should be included in your budget estimates: Property Taxes and Special Assessments, Home/Hazard Insurance, Utilities, Maintenance, Home Owner Association (HOA) Fee if applicable.

One of the advantages of renting is being generally free of most maintenance responsibilities and the flexibility of moving almost as soon as you decide. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for your housing needs. There are many considerations in choosing between renting and buying:

• Do you want to spend several years in a house and in a neighborhood?
• Do you enjoy lawn and garden work?
• Might you need to move suddenly to care for family?
• Do you want to keep your assets accessible in the bank, or do you want to invest long-term in a home?

There are tax advantages to homeownership in both the short and long terms. The mortgage interest and real estate taxes are tax deductible, which allows you to subtract part of your housing-related expenses from your taxable income, which could reduce your tax bill. In many cases, the amount of money a renter spends on rent can be about the same as or less than the amount a homeowner spends on a mortgage. With the tax benefit for homeowners, the savings can be significant.