Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # A Home in Charlottesville ## Sitemaps - [XML Sitemap](https://ahomeincharlottesville.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [April and Billie](https://ahomeincharlottesville.com/april-and-billie/) - Amy Webb is, in a word, phenomenal!! We were first time homebuyers who were new to the area. She introduced us around Charlottesville and worked tirelessly to make certain we got into our perfect starter home, which turned out to be a new build. She stood by us throughout the 13-month (!!) process helping us - [Home Inspection Guide for Sellers](https://ahomeincharlottesville.com/home-inspection-guide-for-sellers/) - When you’re selling your home, one of the first and biggest hurdles in getting from “contract to closing” is the completion of the home inspection and the successful negotiation of a resolution to any issues which arise to the satisfaction of both the Seller and the Buyer. Here is a great list of suggestions from - [Request References for Amy and Kelly](https://ahomeincharlottesville.com/request-references-for-amy-kelly-and-deborah/) - There are lots of real estate success stories on this page but if you want to speak one on one with a prior client of ours, feel free to contact us anytime and we will happily provide references. - [What's the Best Way to Search for Homes?](https://ahomeincharlottesville.com/whats-the-best-way-to-search-for-homes/) - [Buyer Closing Costs - The Basics](https://ahomeincharlottesville.com/buyer-closing-costs-the-basics/) - [Considering a Move to Charlottesville?](https://ahomeincharlottesville.com/considering-a-move-to-charlottesville/) - Charlottesville is a great place to live, in a geographically beautiful part of the country, has a stable, vibrant economy, is home to a prestigious public university and is an attractive location for retirement. As a result, we talk to folks all the time who are contemplating a move to our part of the country - [Getting Your Home Ready for the Market](https://ahomeincharlottesville.com/getting-your-home-ready-for-the-market/) - Now, more than ever preparing your home effectively for the real estate market is critical to your likelihood of actually selling. Here are a few tips to get you started: Purge, de-clutter and organize: Getting ready to sell your home is a perfect excuse to purge, de-clutter and organize. Paperwork, magazines, outgrown clothing and toys, - [About Buyer Agency & the Buyer Broker Agreement](https://ahomeincharlottesville.com/about-buyer-agency-the-buyer-broker-agreement/) - Beginning in July 2012, Virginia code required that buyer broker agreements between real estate agents and their buyer clients be in writing and signed prior to any homes being shown to the buyer. More recently, written buyer broker agreements have been mandated nation-wide as an outcome of the 2024 settlement between the National Association of - [Good Old Fashioned Paper (and more)!](https://ahomeincharlottesville.com/good-old-fashioned-paper/) - For a small town, Charlottesville has more than it's share of newsfolk, investigative reporting and opinion givers! Here are links to a few local media outlets. Cville Weekly The Daily Progress NBC29 - WVIR CBS - Channel 19, ABC - Channel 16, and FOX - Channel 27 Charlottesville Radio Group Crozet Gazette The Cavalier Daily - [The 2024 Nest Midyear Market Report](https://ahomeincharlottesville.com/hot-off-the-presses-the-2024-nest-midyear-market-report/) - from NestRealty.com "For Charlottesville, Virginia, the market remains strong but has shown a decline in total sales, marred by a continued inventory shortage and higher interest rates. The number of properties sold decreased from 1,611 in the first half of 2023 to 1,482 in the same period of 2024, representing an 8.0% drop. The days - [Mortgage Basics - A Quick Introduction](https://ahomeincharlottesville.com/mortgage-basics-a-quick-introduction/) - Brush up on these mortgage basics to help you determine the loan that will best suit your needs. Mortgage terms. Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, you pay more interest overall if you borrow for a longer term. Fixed - [First Time Home Buyers: Start Here](https://ahomeincharlottesville.com/first-time-home-buyers-start-here/) - If you have never owned a home and are contemplating making the leap, the timing could not be better! The combination of low home prices, great inventory and super-low interest rates makes this an ideal time to become a "first time home buyer" in the Charlottesville market. Here are some resources to get you started: - [Tips for Working with a Lender](https://ahomeincharlottesville.com/tips-for-working-with-a-lender/) - Getting pre-qualified for financing is a critical part of the home buying process. Be prepared to discuss these critical questions with your lender: How long do you expect to stay in the house? How long do you expect to keep this mortgage? How much cash do you want to commit to this purchase? What size - [Charlottesville Area Lenders](https://ahomeincharlottesville.com/charlottesville-area-lenders/) - Working with a reliable local lender with expertise, experience and good communication skills will ease your home buying process tremendously. I recommend: Matt Hodges Gray Fox Mortgage matthodges@grayfoxmortgage.com 434-409-0797 Ty Smith Truist Mortgage ty.smith@truist.com 434-466-5293 Margo Jones UVA Credit Union (for CU members) margo.jones@memberoptions.com 434-987-8418 Katie Shiers Guild Mortgage Services Katie.Shiers@guildmortgage.com 434-260-0421 - [Health, Wellness and Fitness in Charlottesville](https://ahomeincharlottesville.com/health-wellness-and-fitness-in-charlottesville/) - Charlottesville is nationally recognized for the very excellent University of Virginia Health System and is also home to a wonderful community hospital: Martha Jefferson Hospital. Here are some additional resources for the health and wellness minded: Atlantic Coast Athletic Club The Boar's Head Sports Club CrossFit Charlottesville Yoga in Charlottesville Clay Fitness & Nutrition Cville - [Welcome to Charlottesville, Virginia](https://ahomeincharlottesville.com/welcome-to-charlottesville-virginia/) - Charlottesville, Virginia, home of the University of Virginia, Jefferson's Monticello and hub of Central Virginia's wine region combines urbane city style with small-town charm and all the benefits of living near a major center of learning. Whether you settle near our dynamic downtown area, in one of the many lovely city neighborhoods, beside the rolling - [Enjoying 36 Hours in Charlottesville](https://ahomeincharlottesville.com/enjoying-36-hours-in-charlottesville/) - There are quite a few posts on this site about how to make the most of visiting Charlottesville, but for those planning a weekend visit, here is our "Essential" Charlottesville Visitors Guide! IT'S ALL GOING DOWN AT THE DOWNTOWN MALL The Mall is the heart and soul of Charlottesville, where all the action is! Lined - [Get Outdoors: Hike, Bike & Climb!](https://ahomeincharlottesville.com/get-outdoors-hike-bike-climb/) - Central Virginia is blessed with great beauty and an enjoyable 4-season climate. It is a wonderful place for the recreation loving family, the hiker, biker, walker or runner. If you love to swim, climb, ski or white water raft, it is all within reach. The weather is superb and the City of Charlottesville and the - [What is meant by "Truth in Lending"?](https://ahomeincharlottesville.com/what-is-meant-by-truth-in-lending/) - Your lender must meet certain obligations under the Truth-In-Lending Act. The Purpose of the Act is to “... promote the informed use of consumer credit by requiring disclosures about its terms and cost. The regulation also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling, regulates - [Title Insurance - What and Why?](https://ahomeincharlottesville.com/title-insurance-what-and-why/) - Title insurance is a policy that protects a buyer and/or a lender against errors or omissions or defects in the title of the property. Title insurance will defend against a lawsuit attacking the title as it is insured, or reimburse the insured for the actual monetary loss incurred, up to the dollar amount of insurance - [This is a Great Place to Retire!](https://ahomeincharlottesville.com/this-is-a-great-place-to-retire/) - You can love living in Charlottesville whether you are young or just young at heart! Here are some great resources for the 60+ crowd: The Center of Charlottesville Other Area Senior Centers Jefferson Area Board for the Aging Olli at UVa Albemarle County Guide for Seniors City of Charlottesville Guide for Seniors and here are - [Attractions, Arts and Events Calendar](https://ahomeincharlottesville.com/attractions-arts-and-events-calendar/) - One thing that can be said for certain about our community: you’ll never be bored! In no particular order, here are some things you might find entertaining - Monticello - The Home of Thomas Jefferson Ash Lawn – Highland - The Home of James Monroe Albemarle County Historical Society Montpelier - The Home of James - [Charlottesville: a Foodie's Paradise!](https://ahomeincharlottesville.com/charlottesville-a-foodies-paradise/) - Charlottesville is a foodie paradise and we are lucky to be able to enjoy ingredients from our local region to a great extent. You can check out some of the best options in and around town at The Charlottesville29, or just read on for a few of our favorites! IN THE BELMONT NEIGHBORHOOD Lampo - - [Advice for Moving Day and Beyond!](https://ahomeincharlottesville.com/advice-for-moving-day-and-beyond/) - We've been real estate professionals for a long time and over the years we've developed and fine tuned hints and tips which we share with clients to make their home search and purchase process easier. Here is our advice for easing the stress of moving day and the weeks that follow. On Moving Day: - - [What to Know About the Appraisal Process](https://ahomeincharlottesville.com/what-to-know-about-the-appraisal-process/) - Once a home is under contract, the buyer's lender will send out an appraiser to make sure the purchase price is in line with the property’s value. Appraisals help guide mortgage terms. The appraised value of a home is an important factor in the loan underwriting process. Although lenders may use the sale price to determine the - [Charlottesville Dream Home Wish List](https://ahomeincharlottesville.com/charlottesville-dream-home-wish-list/) - Do you cruise the Charlottesville Area Home Listings daily, dreaming of your next home? Here is a prompt to help you decide what your wishlist priorities are: Neighborhood What neighborhoods or type of neighborhood do you prefer? Do you want to have neighbors in sight (the more the merrier?) or nobody else's home within view? - [Find the Perfect Neighborhood!](https://ahomeincharlottesville.com/find-the-perfect-neighborhood/) - Are you moving the the Charlottesville-Albemarle area and on the hunt for the perfect neighborhood? Think about these questions and considerations to find the perfect community to call home. Is it close to work? Is it close to shopping, services and facilities your family will need? How high of a priority if proximity? Is it - [Understanding your FICO Score](https://ahomeincharlottesville.com/understanding-your-fico-score/) - If you are in the market to buy a home in Charlottesville (or anywhere) this Spring, you need to have a solid understanding of how your credit score affects your ability to obtain financing (a mortgage) at a favorable rate. Check out this great resource from FICO with loads of information about "credit basics". Here - [About Credit Reports and Scores](https://ahomeincharlottesville.com/about-credit-reports-and-scores/) - When you are preparing to buy a home, or when you take out a personal, business or auto loan, or even if you are just reading the newspaper, you will come across the terms "Credit Report" and "Credit Score", but what do they mean? Simply put, a Credit Report is a collation of information that - [How Much Cash Do I Need to Buy a Home?](https://ahomeincharlottesville.com/how-much-cash-do-i-need-to-buy-a-home/) - If you're thinking about buying a home, you have a lot of financial decisions to make. Your Lender and your agent can assist you in "running" some numbers to figure out how much you can afford to pay monthly, what size mortgage you are comfortable taking, how much in closing costs you are going to - [Taking the Stress out of Home Buying](https://ahomeincharlottesville.com/taking-the-stress-out-of-home-buying/) - Are you considering buying a home in Charlottesville or the Central Virginia area? Here are some helpful thoughts about the home buying process that can make your Charlottesville Real Estate adventure a little more stress-free! 1. Find a real estate agent who you connect with. Home buying is not only a big financial commitment, but - [Ten To-Do's to Prepare for Home Ownership](https://ahomeincharlottesville.com/ten-to-dos-to-prepare-for-home-ownership/) - Decide what you think you can afford. Generally, you can afford a home equal in value to between two and three times your gross income, but that is just a very general guideline. There are many online calculators which can assist you with establishing a ballpark and the you can get a more specific idea - [Financial Fitness for First Time Home Buyers](https://ahomeincharlottesville.com/financial-fitness-tips-for-the-charlottesville-first-time-home-buyers/) - Are you a would be "FTHB" or First Time Home Buyer, thinking of purchasing a home in the Charlottesville Area? We have lots of good advice for you on this real estate website, but your first assignment will be to ensure you are financially fit before taking the leap. Here are some tips to get - [Home Buying Step-by-Step Guide](https://ahomeincharlottesville.com/home-buying-step-by-step-guide/) - Getting Started We will explain Buyer Representation and answer any initial questions you may have. discuss the requirements or parameters which guide your home search and set you up with our Client Collaboration site to receive home listings as soon as they hit the market. help you contact a lender who can assist you in - [Pricing Investment Property for Sale](https://ahomeincharlottesville.com/pricing-investment-property-for-sale/) - Pricing rental or investment property for sale is a specialized process which involves analyzing the property as a business, utilizing income and expense figures to establish the net operating income, and then extrapolate a market value for the property. This approach is combined with more traditional market analyses to determine the best price at which - [Questions to Ask When Choosing a Realtor](https://ahomeincharlottesville.com/questions-to-ask-when-choosing-a-realtor/) - Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs. The questions below are a good starting point for buyers and sellers alike. How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate — like - [Tips for Garage Sale Success!](https://ahomeincharlottesville.com/tips-for-garage-sale-success/) - If you're thinking of putting your Charlottesville area home on the market this year, we have lots of great tips for getting prepared to sell. But probably the biggest, most stressful part of the undertaking, whether you do it before you list the home or when you are under contract and packing to move, is - [What Happens if You Overprice Your Home?](https://ahomeincharlottesville.com/what-happens-if-you-overprice-your-home/) - What will happen if you overprice your home? You will not sell immediately and you will lose the excitement that a new listing generates: most activity on a listing comes within the first 30 days on the market. An initial high price can discourage buyers, causing you to miss out on pent up demand. You - [The CMA and Setting the Right Price](https://ahomeincharlottesville.com/the-cma-and-the-right-price/) - A Comparative Market Analysis (CMA) is the tool we use to figure out the value of your property. Performing a CMA, we consider YOUR PROPERTY’S FEATURES • Location • Square footage (finished and unfinished) • Standard features and room count • Overall condition • Uniqueness • Floor plans and flow • Quality of features ACTIVE - [Just Before We Go on the Market!](https://ahomeincharlottesville.com/just-before-we-go-on-the-market/) - If you decide to list your home for sale with The Front Porch Team , we will work with you during the pre-listing period to - decide what home improvements might be worth undertaking before selling - create a punch list for you to address prior to photographs - help you stage and prepare the home - [The Front Porch Team Marketing System](https://ahomeincharlottesville.com/the-front-porch-team-marketing-system/) - [Home Selling Step-by-Step Guide](https://ahomeincharlottesville.com/home-selling-step-by-step-guide/) - Our First Appointment One or two of our team will preview your property, tour the home and grounds, learning about any improvements and recent repairs you have made. We will discuss your reasons for selling, time frame, motivation and financial factors which may play a role in deciding how to price the home. You will - [Robin and Mark](https://ahomeincharlottesville.com/robin-and-mark/) - Amy was the best kind of Realtor we could imagine: smart, accessible, and, above all, looking out for our best interests. She advised us for over a year while we discussed selling our home, and where to move next. She was patient, honest and always guided us back to our goals. She helped keep us - [Public Schools in our Community](https://ahomeincharlottesville.com/public-schools-in-our-community/) - Here are links to the local public schools and school rating services. Charlottesville Albemarle Greene Fluvanna Nelson Here is a page from the Albemarle County Schools, put together specifically to help incoming residents learn about their systems with Facts Sheets on each Albemarle School and Albemarle Schools District Attendance Maps. School Report Cards from the - [A Guide to the Outer Counties](https://ahomeincharlottesville.com/a-guide-to-the-outer-counties/) - Greene County Population: 20,968 Median Household Income: $67,266 in 2021 Median Age: 38.5 Total Land Area: 157 square miles Real Estate Tax Rate - $0.82/$100 of assessed value Schools Website Primary Schools: 1 Elementary Schools: 2 Middle Schools: 1 High Schools: 1 Technical Education Center: 1 Fluvanna County Population: 27,723 Median Household Income: $82,983 in - [Buyer Closing Documents to Hold Onto](https://ahomeincharlottesville.com/buyer-closing-documents-to-hold-onto/) - On closing day, expect to sign a lot of documents and walk away with a big stack of papers and/or a promise from your settlement agent that these will be emailed to you within a week. Here’s a list of the most important documents you should file away for future reference. Your Closing Disclosure: This - [Fair Lending - A Basic Primer](https://ahomeincharlottesville.com/fair-lending-a-basic-primer/) - You have the right to fair lending. The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction. It applies to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts. The ECOA prohibits discrimination based on: • Race or color; • Religion; • National origin; - [1031 or "Like-Kind" Exchanges](https://ahomeincharlottesville.com/1031-or-like-kind-exchanges/) - A 1031 or "like-kind" exchange is a way for owners of business and investment real estate to sell property and buy other "like" property without paying the Capital Gains Tax upon the sale. Section 1031 of the Internal Revenue Code lays out in detail the procedure for completing a sale and purchase in accordance with - [Charlottesville Area Settlement Agents](https://ahomeincharlottesville.com/charlottesville-area-settlement-agents/) - At the appropriate time in the course of your home purchase or sale, we will help you make the choice of a Settlement Agent, either an Attorney or a Title Company to handle the closing for you. Some of the local professionals we recommend are: Royer Caramanis Chip Royer and Tim Kelsey 200-C Garrett Street Charlottesville, - [What is "Appraised Value" in Home Buying?](https://ahomeincharlottesville.com/what-is-appraised-value-in-home-buying/) - Appraisals provide an objective opinion of value, but it’s not an exact science so appraisals may differ. For buying and selling purposes, appraisals are usually based on market value — what the property could probably be sold for. Other types of value include insurance value, replacement value, and assessed value for property tax purposes. Appraised - [All About Septic Systems - Part 3 of 6](https://ahomeincharlottesville.com/all-about-septic-systems-part-3-of-6/) - What Are Common Issues Discovered in Septic Inspections? Most of the time, a well-installed and properly maintained septic system provides years of great service without the homeowner even thinking much about it. Systems are designed to be long lasting and when they are maintained, provide few problems. However, when systems are poorly installed, or improperly used, - [The Consumer Financial Protection Bureau](https://ahomeincharlottesville.com/the-consumer-financial-protection-bureau/) - If you're getting ready to buy a home and have been listening to or reading news recently, you might have heard mention of the Consumer Finance Protection Bureau. The CFPB was established as part of The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and is tasked with "watching out for American consumers - [Does Moving Up Make Sense for You?](https://ahomeincharlottesville.com/does-moving-up-make-sense-for-you/) - Are you keeping an eye on the Charlottesville home listings? Searching Zillow daily and dreaming about that forever home in Ivy or Keswick or perhaps walking distance to downtown Charlottesville? These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to - [10 Questions to Ask Your Home Inspector](https://ahomeincharlottesville.com/10-questions-to-ask-your-home-inspector/) - Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to make an informed decision. Ask these questions to prospective home inspectors: 1. Will your inspection meet recognized standards? Ask whether the inspection - [10 Tips for Moving with Your Pets](https://ahomeincharlottesville.com/10-tips-for-moving-with-your-pets/) - Moving to a new home can be stressful on your pets, but there are many things you can do to make the process as painless as possible. Experts at The Pet Realty Network in Naples, Fla., offer these helpful tips for easing the transition and keeping pets safe during the move. Update your pet’s tag. - [Tips for Saving on Homeowner's Insurance](https://ahomeincharlottesville.com/tips-for-saving-on-homeowners-insurance/) - If you're moving the the Charlottesville area from another part of the country, you may find that the cost of your Home Owner's Insurance Policy varies significantly from previous policies. Here are some tips for keeping costs under control! Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE - [The Bigger Picture - The Market Nationwide](https://ahomeincharlottesville.com/the-bigger-picture-the-market-nationwide/) - Here are some helpful resources for keeping current on the housing market nation wide: The National Association of Realtor Research and Statistics HUD National Housing Market Indicators Freddie Mac Research Inman Real Estate News - [Fair Housing - A Guide to Your Rights](https://ahomeincharlottesville.com/fair-housing-a-guide-to-your-rights/) - You may have noticed that all Realtors feature a little "house" symbol, the letters "EHO" or the phrase "Equal Housing Opportunity" in their advertising, but what does this mean to you? Simply put: You have the right to buy any home you can afford in any neighborhood. The Fair Housing Act (Title VIII of the Civil Rights - [Local Universities & Colleges](https://ahomeincharlottesville.com/local-universities-colleges/) - While Charlottesville is known nationally as the home of the University of Virginia, we do have other nearby institutions of Higher Learning and Virginia offers many great in-state options for a college level education: University of Virginia Piedmont Virginia Community College Mary Baldwin College and here is a comprehensive list of colleges and universities in - [Charlottesville City Schools](https://ahomeincharlottesville.com/charlottesville-city-schools/) - General Contact Information: 1562 Dairy Road Charlottesville, VA, 22903 434.245.2400 Visit the Charlottesville Schools Website The Charlottesville City School District is comprised of: 1 High School, 1 Middle School, 1 Upper Elementary School, 6 Elementary School. and 2 alternative education programs. Check School Ratings for Charlottesville City Schools on the "Great Schools" Website. Check the - [Charlottesville Area Private Schools](https://ahomeincharlottesville.com/charlottesville-area-private-schools/) - While our area has very finn public schools, we also have a wide array of private schools, each one unique in approach and atmosphere. Here are most of the options (though I will not promise I have them all), one of which might be the right fit for your scholar! Blue Ridge School Charlottesville Catholic - [Dance, Theater and Music in Charlottesville](https://ahomeincharlottesville.com/dance-theater-and-music-in-charlottesville/) - Charlottesville is home to vibrant musical and theatrical communities and host to performers from around the globe. Here is a list of our popular events and venues... John Paul Jones Arena Ting Pavilion The Paramount Theater Fridays After 5 (April through September) Charlottesville Opera Festival (July – August) The Charlottesville Chamber Music Festival (September) UVa - [The Art of Home Photography](https://ahomeincharlottesville.com/the-art-of-home-photography-2/) - It is that time of year again; the housing market is gearing up and almost in full swing. There are many factors that contribute to successful home selling, but one element remains critical to attracting buyers: superb home photos! It may seem like a simple aspect of the process, but there is an art to - [Mark](https://ahomeincharlottesville.com/mark/) - I had the pleasure of working with Amy to buy my home. She worked diligently to get at my motivation and needs and quickly grew to understand what properties would be most appropriate for me. Amy took my feedback and took the time to really listen and engage with me in the process of finding - [Nikki and Nate](https://ahomeincharlottesville.com/nikki-and-nate/) - Amy Webb smoothed the transition for my wife and I, who moved to the Charlottesville area from Denver, by providing her signature Charlottesville 101 tour well before we were in position to make a purchase. Once we were in position, Amy's knowledge of the area and her attention to our wish list made for an - [Dan and Nancy](https://ahomeincharlottesville.com/dan-and-nancy/) - My wife and I have purchased two homes and sold three homes over the past four years. Each sale and purchase was managed by Amy Webb. Amy brought to us all the attributes that one would expect from a realtor plus much more: she really made the process enjoyable! Amy is smart and thorough, she - [Sabrina and Matt](https://ahomeincharlottesville.com/sabrina-and-matt/) - We were very grateful for the guidance and assistance we received from Amy in finding our perfect home. We began looking for a home in early Spring, with several months to go on the home we were leasing. We were thrilled when, after just a few short weeks, we found what we thought was the - [Paula and Miguel](https://ahomeincharlottesville.com/paula-and-miguel/) - When we decided to buy a house in Charlottesville we asked friends about their experiences with real estate agents in town. Those who had bought homes were ultimately happy with what they had found but said that the process, starting with viewing homes through to the closing, had been frustrating at many points. But Amy - [Dawn](https://ahomeincharlottesville.com/dawn/) - Amy is a spectacular real estate agent who is extremely knowledgeable, professional, organized and experienced. Amy is a phenomenal communicator: she listens to your needs, responds appropriately, and connects you with what you want and need, whether you are a home buyer or a home seller. Amy sold my condo in Belmont and I am - [Jackie and Matt](https://ahomeincharlottesville.com/jackie-and-matt/) - Amy is exactly what you want in a Realtor – she is expert in her field (Charlottesville real estate), an excellent communicator (really focuses on what YOU the client want to see), has shrewd business acumen and a reliable network of other professionals that make the process as seamless as it can be. As out-of-state - [All About Septic Systems - Part 1 of 6](https://ahomeincharlottesville.com/all-about-septic-systems-part-1-of-6/) - What is a Septic System? Some home buyers hear the word "septic" and think it is synonymous with "poisonous". But when it comes to septic systems as private, on-site waste disposal, nothing could be further from the truth! If you have one, a septic system is an essential part of the infrastructure that supports the functionality - [The Realtor Code of Ethics](https://ahomeincharlottesville.com/the-realtor-code-of-ethics/) - REALTORS are real estate professionals who have chosen to join the National Association of Realtors and abide by its strict Code of Ethics. What does this mean to you? It means that any REALTOR with whom you work has voluntarily agreed to abide by a Code based on professionalism and protection of the public. The - [Checking Your Credit Reports](https://ahomeincharlottesville.com/checking-your-credit-reports/) - By federal law, each of the three major credit reporting agencies must provide your credit report to you once annually, for free. It is important to be aware that there are many so called "free credit report" services which may try to charge you for the information you are entitled to receive at no charge - [Charlottesville Area Home Inspectors](https://ahomeincharlottesville.com/charlottesville-area-home-inspectors/) - Obtaining the advice of a qualified, competent, professional home inspector is a critical step in the home buying process, and sometimes useful for homes sellers as well. We recommend: Robert Foster Trebor Home Inspections 540-460-4743 Randy Ryning Oliver Creek Home Inspections ‭434-995-9075‬ Martin Quarles ‭(434) 960-3656‬ - [Charlottesville Utilities and Homes Services](https://ahomeincharlottesville.com/charlottesville-utilities-and-homes-services/) - Here are some names and numbers which will come in handy for connecting services to your new home, or shutting them off when you are selling! Power: Virginia Dominion Power 888-667-3000 Central Virginia Electric Cooperative 434-589-8342 Rappahannock Electric Cooperative 800-572-2264 Water: Charlottesville Water 434-970-3211 for the City of Charlottesville Albemarle County Service Authority 434-977-4511 For - [Understanding Capital Gains in Real Estate](https://ahomeincharlottesville.com/understanding-capital-gains-in-real-estate/) - When you sell a stock, you owe taxes on your gain, meaning on the difference between what you paid for the stock and what you sold it for. The same holds true when selling a home (or a second home), but there are some special considerations. In real estate, capital gains are based not on - [All About Septic Systems - Part 2 of 6](https://ahomeincharlottesville.com/all-about-septic-systems-part-2-of-6/) - Getting a Septic System Inspected If you are considering purchasing a property which has an on-site septic system, it is important to get the system inspected by a professional company that specializes in septic installation and maintenance. A thorough inspection involves digging by hand or machine, depending on the age or placement, a visual inspection, possibly - [All About Septic Systems - Part 4 of 6](https://ahomeincharlottesville.com/all-about-septic-systems-part-4-of-6/) - What Happens Next if My Septic Inspection Reveals Problems? First, congratulate yourself on opting for an inspection. You may have just saved yourself from a big mistake! Septic Inspections are not required for buyers in Virginia, but buyers bear all of the risk once the transaction is closed, so there is no recourse for problems - [All About Septic Systems - Part 5 of 6](https://ahomeincharlottesville.com/all-about-septic-systems-part-5-of-6/) - The Difference between a Buyer's Septic Inspection and a Seller's Septic Inspection The last few posts have talked in detail about you, as a prospective home buyer, inspecting the septic system of the home you have a contract on. You may be confused because you recall that the Seller agreed, in the contract, to do and - [All About Septic Systems - Part 6 of 6](https://ahomeincharlottesville.com/all-about-septic-systems-part-6-of-6/) - How Do I Maintain My Septic System? Private septic systems are common in rural central Virginia, and all over the country. They are safe, effective, have been around for decades and are relatively easily to keep in good working order, providing years or decades of hassle-free service. But like any household system, knowing how to - [12 Tips for Hiring a Remodeling Contractor](https://ahomeincharlottesville.com/12-tips-for-hiring-a-remodeling-contractor/) - Thinking of sprucing up your Charlottesville home before listing it for sale, or just feathering the nest for your family to enjoy? Here are some tips for finding the right person for the job! 1. Get at least three written estimates. Friends, neighbors and family members - and your Realtor - may be able - [Charlottesville Insurance Agents](https://ahomeincharlottesville.com/charlottesville-insurance-agents/) - When the time comes to arrange for new Homeowner’s Insurance, I can recommend the following local providers: State Farm Greg Leffler 503 Faulconer Drive, Suite 1A Charlottesville, Virginia 22903 434-296-1010 Towe Insurance Beth Heck 304 East Jefferson Street Charlottesville, Virginia 22902 434.295-5191 Hanckel-Citizens 218 Third Street, NE Charlottesville, Virginia 22902 434-296-7191 - [Keeping up with the Local Market](https://ahomeincharlottesville.com/keeping-up-with-the-local-market/) - If you are all about keeping up with facts and figures, running the numbers and understanding the hard data, you are our kind of people! When it comes to real estate, it is nice to understand national trends and the macro picture, but what really matters is what is going on locally. You can always - [Business and The Job Market in Charlottesville](https://ahomeincharlottesville.com/business-and-the-job-market-in-charlottesville/) - Handy links if you’re looking to set up shop in Cville. Charlottesville/Albemarle Chamber of Commerce Thomas Jefferson Planning District Area Employers: The University of Virginia State Farm National Ground Intelligence Center Northrup Grumman GE Fanuc Klockner Pentaplast The County of Albemarle The City of Charlottesville Crutchfield Corporation Worldstrides Sentara Healthcare If you are relocating to - [Albemarle County in Brief](https://ahomeincharlottesville.com/albemarle-county-in-brief/) - The basic facts about Albemarle County. Albemarle County Population: 113,500 Median Household Income: $90,568 Median Age: 39.4 Total Land Area: 723 square miles Real Estate Tax Rate (2015) - $0.854/$100 of assessed value ($854 for every 100,000 of assessed value) Schools Website Elementary Schools: 16 Middle Schools: 5 High Schools: 4 Technical Education Center: 1 - [The City of Charlottesville in Brief](https://ahomeincharlottesville.com/the-city-of-charlottesville-in-brief/) - The Basics on the City of Charlottesville. City of Charlottesville (as of 2021) Population: 45,672 Median Household Income: $59,598 Median Age: 32.3 Total Land Area: 10.4 acres Real Estate Tax Rate - $0.95/$100 of assessed value ( or $950 for every 100,00 of assessed value ) Schools Website Elementary Schools: 5 Upper Elementary Schools: 1 - [The Benefits of Home Ownership](https://ahomeincharlottesville.com/the-benefits-of-home-ownership/) - The decision to buy a home is one of the biggest, most important ones you'll make in your lifetime, both financially and emotionally. Here is a summary of some of the benefit of (after careful consideration and with professional guidance) taking the leap: Tax breaks. The U.S. Tax Code lets you deduct the interest you - [Four Handy Lists Sellers Should Create](https://ahomeincharlottesville.com/four-handy-lists-sellers-should-create/) - When buyers show interest in your property, it’s a great sign…it means that your property has beat out a myriad of others in your area vying for buyers’ attention. If you want to "seal the deal" by wooing home buyers, consider assembling these four lists which we can use to market your home: This information - [Sharon and Dennis](https://ahomeincharlottesville.com/sharon-and-dennis/) - Our family of four moved to the Charlottesville area without knowing anyone -- Amy was fantastic not only in her knowledge of neighborhoods and builders in the area but also in introducing us to Charlottesville. I found Amy through searching realtor related web sites. What a great find!!! Amy listened and understood our preferences in - [Carolin and Andrew](https://ahomeincharlottesville.com/carolin-and-andrew/) - Last year, we were first time homebuyers and didn't know much about buying houses. We found Amy through the net, still living in California. I was very impressed how thorough and prompt she was, replying to my emails, and how she asked detailed questions about our priorities and what we wanted, so that she could - [Ken and Dawn](https://ahomeincharlottesville.com/ken-and-dawn/) - Amy is an outstanding, open and honest agent who is knowledgeable of the local area as well as the ins and outs of real estate. We've heard some experts say that you don't need a real estate agent when building, but we sure are glad we had Amy. Her guidance through the build process was - [Gigi](https://ahomeincharlottesville.com/gigi/) - Simply put, Amy is the best realtor anyone could ever hope for! I have moved over 15 times in my life and have worked with realtors from all over the country. I have never worked with anyone who has gone to the lengths Amy did to find us a home and make the deal happen! - [Karen](https://ahomeincharlottesville.com/karen/) - Kelly Ceppa is a fantastic agent. She knows the Charlottesville market incredibly well. She is very professional, responding quickly with clear and thorough information. Kelly puts her clients first, making herself available for showings, questions, or even just conversations that help people make good decisions. She goes the extra mile to get all the details - [Matthew](https://ahomeincharlottesville.com/matthew/) - When I wanted to purchase a home in Charlottesville, a friend could not speak more highly about Kelly and suggested that I reach out to her. I had recently moved to Charlottesville from New York and was not yet very familiar with the area. Working with Kelly was an extremely positive experience. She encouraged me - [Ruth](https://ahomeincharlottesville.com/ruth/) - Kelly Ceppa agreed to take us on as clients to explore the market for condos, even though we were not sure that we would want to buy one. She worked with us for a period of six months or more, keeping us informed about what was available and taking us to see a variety of - [Sharon and Jim](https://ahomeincharlottesville.com/sharon-and-jim/) - Kelly Ceppa and her team exceeded our very high expectations. Kelly was extremely meticulous and knowledgeable in helping us understand all the details and nuances of our property search. She was unfailingly patient and accommodating as our search proceeded, always responding quickly and helpfully to our inquiries. When it came time to make an offer, - [Fran](https://ahomeincharlottesville.com/fran/) - "In mid-life, I found myself alone with the task of buying a home for myself and my 2 sons. I needed an agent who not only understood the market, but also understood my situation. Amy was patient and so very professional. Along with sharing her knowledge of neighborhoods and builders, Amy was able to explain - [Sue](https://ahomeincharlottesville.com/sue/) - Kelly Ceppa of Nest Realty was invaluable in helping me to list and sell my condo. From the beginning she offered many pointers without forcing her opinions on me. She is very detail oriented and follows up on all related matters. She is pleasant and easy to work with. Kelly was so helpful in all - [Jan and Paul](https://ahomeincharlottesville.com/jan-and-paul/) - Kelly was instrumental in selling our Charlottesville home. An excellent negotiator, Kelly guided us through issues with new buyers that satisfied everyone. Her responsiveness and the responsiveness of her team was outstanding. - [Ellen](https://ahomeincharlottesville.com/ellen/) - Amy helped me sell one house and buy another, and provided excellent guidance throughout the process. Not only did she negotiate amazing deals on my behalf, she and her team did a beautiful job staging my old house so it sold for the expected price. She also succeeded in negotiating the price of the new - [Chip](https://ahomeincharlottesville.com/chip/) - Superlatives are the refuge of lazy writers. But in this case they are simply the best way to say how splendidly Kelly inducted us into the process of real-estate shopping in this year's superheated market. From mid-winter forward she found us many a house to investigate, and guided us to and through the many options - [Mandy and Cole](https://ahomeincharlottesville.com/mandy-and-cole/) - My husband and I worked with Kelly this past spring to buy our first home. While we interviewed several agents, Kelly was our ultimate choice and we are so grateful for our experience. As first-time buyers we had lots of questions. Kelly was endlessly patient and happy to explain, and re-explain, elements of the home ## Pages - [Homepage](https://ahomeincharlottesville.com/) - THE FRONT PORCH TEAM Kelly Ceppa and Amy Webb Let us help you buy or sell A HOME IN CHARLOTTESVILLE THE FRONT PORCH TEAM Kelly Ceppa and Amy Webb Let us help you buy or sell A HOME IN CHARLOTTESVILLE THE FRONT PORCH TEAM Kelly Ceppa and Amy Webb Let us help you buy or - [Our Services](https://ahomeincharlottesville.com/our-services/) - OUR SERVICESWhether you want to buy a property, sell a property, or both, we offer expert, energetic, effective representation to help you achieve a successful, stress-free outcome. Learn more below! Services for Home Sellers×Selling your home?Whether you’re six weeks away from listing or six months, or longer, we’ll guide you through the home preparation process - [Meet Kelly Ceppa](https://ahomeincharlottesville.com/meet-kelly-ceppa/) - MEET KELLY CEPPA A Virginian born and bred, Kelly has lived in Charlottesville since 1984 and knows this town well. She is a graduate of the University of Virginia where she studied meteorology and mathematics. She still likes to use her weather forecasting skills for snowstorms and property photos! Kelly serves her clients with a - [Selling](https://ahomeincharlottesville.com/selling/) - SELLINGYour property is likely your largest asset, but more than that, it may also be a beloved home, a treasured retreat or vacation spot, your quiet refuge or a monument to your independence! Or maybe it’s just where you landed for a few years. Whatever the case, we understand that selling is a big deal, - [Meet Amy Webb](https://ahomeincharlottesville.com/meet-amy-webb/) - MEET AMY WEBB Originally from Westchester County, New York, Amy arrived in Charlottesville in 1995 and happily calls it home. A Cornell graduate with many years experience as a small business owner and entrepreneur, Amy began her career in Real Estate in 2002, became a full time agent in 2004 and an Associate Broker in - [Why We’re a Team](https://ahomeincharlottesville.com/why-were-a-team/) - WHY WE'RE A TEAMAt the Front Porch Team, we pride ourselves on our experience and effectiveness. We’re committed to professional, ethical, results-oriented service and with 20+ years in the business each, building long-term client relationships is our goal. A shared approach to the practice of real estate, centered on excellence, empathy and transparency, brought Amy - [Agent Referrals](https://ahomeincharlottesville.com/agent-referrals/) - AGENT REFERRALSIf you are an agent in another geographic area who has clients moving to the Charlottesville area and you want to be sure their interests are well served, you can trust The Front Porch Team. We welcome your referrals. We live, eat, and breathe everything Charlottesville, and know what it takes to help buyers - [Instagram Links](https://ahomeincharlottesville.com/instagram-links/) - 4122 Green Creek RoadBuyer Closing Costs1719 Shady Grove Court727 Cairn Heights Court888 Wolf Trap Road1461 Butler StreetWhy We're a TeamREAD OUR SUCCESS STORIES Amy helped me sell one house and buy another, providing excellent guidance throughout the process. Not only did she negotiate amazing deals on my behalf, she and her team did a beautiful - [Real Estate 101](https://ahomeincharlottesville.com/real-estate-101/) - REAL ESTATE 101If you’re in the process of buying or selling or just exploring the possibilities, you’ll find plenty of useful advice here in our Real Estate Learning Center. We want to be your source for information about selling, buying, mortgages, the local market, how to own and care for a home, and more. If - [Buying](https://ahomeincharlottesville.com/buying/) - BUYINGWhether it’s your first time buying or your fifth, whether you’re looking for a starter home, a forever home, or an investment, purchasing a property is a big financial and a big emotional undertaking with a lot on the line. But you can relax, because we have the expertise to guide you through the process - [Contact](https://ahomeincharlottesville.com/contact/) - GET IN TOUCHDrop us a line here or call (434) 260-0425. ServiceBuyingSellingBuying and Selling SUBMITThank you! We'll be in touch soon.×There was an error trying to send your message. Please try again later.× - [Charlottesville Guide](https://ahomeincharlottesville.com/charlottesville-guide/) - DISCOVER CHARLOTTESVILLEDISCOVER CHARLOTTESVILLEHistoric and scenic, with a rich cultural life, vibrant arts scene, amazing culinary community, world class university and hospital and a stable economy, Charlottesville, Virginia and the surrounding area is a great place to live! Whatever your background, walk of life, or age, you can find a welcoming community here. This section of - [Home Search](https://ahomeincharlottesville.com/home-search/) - [The Home Selling Process](https://ahomeincharlottesville.com/the-home-selling-process/) - THE HOME SELLING PROCESS Getting Your Home Ready for the Market Home Selling Step-by-Step Guide Four Handy Lists Sellers Should Create The Front Porch Team Marketing System The CMA and Setting the Right Price Just Before We Go on the Market! Home Inspection Guide for Sellers What Happens if You Overprice Your Home? Tips for - [Blog](https://ahomeincharlottesville.com/blog/) - Getting Your Home Ready for the Market Gallery Getting Your Home Ready for the Market Home Selling Process, Real Estate 101, Real Estate Tips and Terms, Seller Tips and Terms, Selling a Home Getting Your Home Ready for the MarketNow, more than ever preparing your home effectively for the real estate market is critical to - [Buying A Home](https://ahomeincharlottesville.com/buying-a-home/) - BUYING A HOME Buyer Closing Costs – The Basics Considering a Move to Charlottesville? Questions to Ask When Choosing a Realtor Home Buying Step-by-Step Guide About Buyer Agency & the Buyer Broker Agreement Financial Fitness for First Time Home Buyers 12Next - [Discover Charlottesville](https://ahomeincharlottesville.com/discover-charlottesville/) - DISCOVER CHARLOTTESVILLE Considering a Move to Charlottesville? Welcome to Charlottesville, Virginia Enjoying 36 Hours in Charlottesville Charlottesville: a Foodie’s Paradise! Attractions, Arts and Events Calendar Dance, Theater and Music in Charlottesville 12Next - [Market Updates and News](https://ahomeincharlottesville.com/market-updates-and-news/) - MARKET UPDATES AND NEWS The 2024 Nest Midyear Market Report The Bigger Picture – The Market Nationwide Keeping up with the Local Market - [Seller Tips and Terms](https://ahomeincharlottesville.com/seller-tips-and-terms/) - SELLER TIPS AND TERMS Getting Your Home Ready for the Market Four Handy Lists Sellers Should Create The CMA and Setting the Right Price 12Next - [The Home Buying Process](https://ahomeincharlottesville.com/the-home-buying-process/) - THE HOME BUYING PROCESS Buyer Closing Costs – The Basics Questions to Ask When Choosing a Realtor Home Buying Step-by-Step Guide About Buyer Agency & the Buyer Broker Agreement Financial Fitness for First Time Home Buyers Taking the Stress out of Home Buying 12Next - [All Home Selling Posts](https://ahomeincharlottesville.com/all-home-selling-posts/) - ALL HOME SELLING POSTS Getting Your Home Ready for the Market Home Selling Step-by-Step Guide Four Handy Lists Sellers Should Create The Front Porch Team Marketing System The CMA and Setting the Right Price Just Before We Go on the Market! 12Next - [Mortgages and Financing](https://ahomeincharlottesville.com/mortgages-and-financing/) - MORTGAGES AND FINANCING Buyer Closing Costs – The Basics Financial Fitness for First Time Home Buyers Ten To-Do’s to Prepare for Home Ownership How Much Cash Do I Need to Buy a Home? The Benefits of Home Ownership Mortgage Basics – A Quick Introduction 12Next - [Houses and Home Ownership](https://ahomeincharlottesville.com/houses-and-home-ownership/) - HOUSES AND HOME OWNERSHIP Ten To-Do’s to Prepare for Home Ownership Tips for Saving on Homeowner’s Insurance 12 Tips for Hiring a Remodeling Contractor All About Septic Systems – Part 1 of 6 All About Septic Systems – Part 2 of 6 All About Septic Systems – Part 3 of 6 12Next - [All Home Buying Posts](https://ahomeincharlottesville.com/all-home-buying-posts/) - ALL HOME BUYING POSTS Buyer Closing Costs – The Basics Considering a Move to Charlottesville? Questions to Ask When Choosing a Realtor Home Buying Step-by-Step Guide About Buyer Agency & the Buyer Broker Agreement Financial Fitness for First Time Home Buyers 12Next - [Real Estate Tips and Terms](https://ahomeincharlottesville.com/real-estate-tips-and-terms/) - REAL ESTATE TIPS AND TERMS Getting Your Home Ready for the Market Buyer Closing Costs – The Basics Home Selling Step-by-Step Guide Four Handy Lists Sellers Should Create Just Before We Go on the Market! Home Inspection Guide for Sellers 12Next - [All Real Estate 101 Posts](https://ahomeincharlottesville.com/all-real-estate-101-posts/) - ALL REAL ESTATE 101 POSTS Getting Your Home Ready for the Market Buyer Closing Costs – The Basics Considering a Move to Charlottesville? Home Selling Step-by-Step Guide Four Handy Lists Sellers Should Create The Front Porch Team Marketing System 12Next - [Selling A Home](https://ahomeincharlottesville.com/selling-a-home/) - SELLING A HOME Getting Your Home Ready for the Market Home Selling Step-by-Step Guide Four Handy Lists Sellers Should Create The Front Porch Team Marketing System The CMA and Setting the Right Price Just Before We Go on the Market! 12Next - [All Charlottesville Guide Posts](https://ahomeincharlottesville.com/all-charlottesville-guide-posts/) - ALL CHARLOTTESVILLE GUIDE POSTS Considering a Move to Charlottesville? Welcome to Charlottesville, Virginia Enjoying 36 Hours in Charlottesville Charlottesville: a Foodie’s Paradise! Attractions, Arts and Events Calendar Dance, Theater and Music in Charlottesville 12Next - [Area Overview](https://ahomeincharlottesville.com/area-overview/) - AREA OVERVIEW Considering a Move to Charlottesville? Welcome to Charlottesville, Virginia Health, Wellness and Fitness in Charlottesville The City of Charlottesville in Brief Albemarle County in Brief A Guide to the Outer Counties 12Next - [A Great Place to Live](https://ahomeincharlottesville.com/a-great-place-to-live/) - A GREAT PLACE TO LIVE Welcome to Charlottesville, Virginia Enjoying 36 Hours in Charlottesville Charlottesville: a Foodie’s Paradise! Attractions, Arts and Events Calendar Dance, Theater and Music in Charlottesville Get Outdoors: Hike, Bike & Climb! 12Next - [Visiting Charlottesville](https://ahomeincharlottesville.com/visiting-charlottesville/) - VISITING CHARLOTTESVILLE Welcome to Charlottesville, Virginia Enjoying 36 Hours in Charlottesville Charlottesville: a Foodie’s Paradise! Attractions, Arts and Events Calendar Dance, Theater and Music in Charlottesville Get Outdoors: Hike, Bike & Climb! 12Next - [Privacy Policy](https://ahomeincharlottesville.com/privacy-policy/) - PRIVACY POLICY Your privacy is very important to us. The purpose of this privacy policy is to provide you with a description of the types of information we collect about you when you visit the ahomeincharlottesville web site (the “Web Site”), and how we use that information. By visiting or using the Web Site, you - [Terms of Use](https://ahomeincharlottesville.com/terms-of-use/) - [Client Success Stories](https://ahomeincharlottesville.com/client-success-stories/) - CLIENT SUCCESS STORIES KarenKelly Ceppa is a fantastic agent. She knows the Charlottesville market incredibly well. She is very professional, responding quickly with clear and thorough information. Kelly puts her clients first, making herself available for showings, questions, or even just conversations that help people make good decisions. She goes the extra mile [...] Jackie ## IDX Pages - [Property Search](https://ahomeincharlottesville.com/idx/listings/property-search/) - SEARCH PROPERTY FOR SALE IN CHARLOTTESVILLE, ALBEMARLE AND THE SURROUNDING COUNTIES Click in the "location" field below to choose additional filters. 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