Just Steps to Boating Fun in Southern Shores!

32 Fairway Drive, Southern Shores, NCExcellent opportunity for comfortable one floor living. This solidly built brick home in Southern Shores, was a contractors home. 2 bedrooms share a bath on one end of the home, while the master bedroom, HUGE walk in closet and HUGE master bath with double sinks make up the opposite end. Oversized Master Bath shower with all tile and two shower heads. Extra large kitchen with eat in area, dining room and living room with an extra office AND media/TV area. The solid brick deck spans the entire back side of the home! Great for cookouts. Just a few steps away to the bulkheaded canal for all your boating fun. Tons of parking in addition to the 2 car garage.

Vacation Lease or Buy in time for Summer Fun at 889 Seafaring Crescent!!

New Price for 899 Seafaring Cresent

New Price AND Available to Lease for Summer Fun!

Actual ocean views, nice deck space, screened porch, sunny and bright interior, top floor bedroom, easy flow floor plan, awesome community amenities, hot tub, bright open kitchen, ground floor entrance, cul de sac location, laminate wood floors and a fantastic price round out the benefits of the “Sunflower” beach cottage.

Contact me today for available dates or more information!

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New Prices on these Southern Shores, Kitty Hawk and Corolla Properties!

If you were thinking about buying your home on the Outer Banks before the Summer Season, you may want to jump now …
Summer fun on the beach and at the Ocean is only a few months away.

Get ready now to enjoy the beach later!!
Call me today!!

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Location, location, location for this Ocean Sands Beach Home!

741 Sea Horse Court, Corolla, NC 1Straight shot down to the beach!

Location, location, location! Enjoy a straight shot down to the beach from this fantastic Ocean Sands beach home. With 5 bedrooms, 3 full baths, ample decking, large living area, screened porch, awesome ocean views, and excellent condition this home is a real gem. Guests love this place as evidenced by many returning year after year.

Extra large home on one of the most popular streets in Kitty Hawk!

4244 Poor Ridge Road, Kitty Hawk, NCYou will love coming home to this custom built extra large home on one of the most popular streets in Kitty Hawk.

So much attention to detail was paid when building this excellent family home. First floor master, HUGE bathroom, 2 closets, hall bath, gas fireplace with stone face, Australian Cypress floors, formal dining room, office area, pocket doors, pantry, large laundry area, huge eat in kitchen with Jenn-Air, wine cooler, butcher block island, granite countertops and stainless appliances all make up the first floor.

The extra large garage has 10 foot doors for taller vehicles.

Best Buys for the Week of March 18th, 2013

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Guests love this home and so will you!

889 Seafaring Crescent, Corolla, NC889 Seafaring Crescent, Corolla, NC 27927

Don’t miss out on this gem. Actual ocean views, nice deck space, screened porch, sunny and bright interior, top floor bedroom, easy flow floor plan, awesome community amenities, hot tub, bright open kitchen, ground floor entrance, cul de sac location, laminate wood floors and a fantastic price round out the benefits of the “Sunflower” beach cottage. This home has been well cared for and it shows. There are three bedrooms on the mid level with bright decor and furnishings. The top floor provides a nice living area, bedroom, kitchen and dining. Go out your choice of sliding doors, one to a screened porch or the other to a nice sun deck.
Guests love this home and so will you!

Extra Large Custom Built Home on the Outer Banks

4244 Poor Ridge Road, Kitty Hawk, NCYou will love coming home to this custom built extra large home on one of the most popular streets in Kitty Hawk. So much attention to detail was paid when building this excellent family home. First floor master, HUGE bathroom, 2 closets, hall bath, gas fireplace with stone face, Australian Cypress floors, formal dining room, office area, ocket doors, pantry, large laundry area, huge eat in kitchen with Jenn-Air, wine cooler, butcher block island, granite countertops and stainless appliances all make up the first floor. The extra large garage has 10 foot doors for taller vehicles

HOMEOWNERS INSURANCE RATE SETTLEMENT REACHED

Press Release from the Outer Banks Association of Realtors(r)

OBAR and OBHBA learned earlier today that NC Department of Insurance Commissioner Wayne Goodwin reached a settlement agreement with the NC Rate Bureau on the Homeowners Insurance Rate Filing that was submitted in October 2012. A public comment period was held on the filing shortly thereafter and over 9,000 comments were submitted. The NC Department of Insurance, upon reviewing of the filing and consideration of the comments, issued a Notice of Hearing on the filing to begin June 3, 2013. The Hearing will no longer be held. It would have been the first on a Homeowners Insurance Rate Filing since 1993 and would have given NCDOI the opportunity to further scrutinize the filing through testimony and evidence submitted by the NC Rate Bureau.

NC DOI called the hearing for numerous reasons:

  • “The data contained therein are so questionable that a property evaluation ……..is obstructed.
  • In many instances the filing lacks necessary data, documentation and explanations of methodology to meet the Bureau’s statutory burden of proof.
  • The filing is not clear, concise, internally consistent or readily understandable.
  • Due consideration has not been given to actual loss and expense experience within this State for the most recent three-year and five-year periods fo which such information is available.
  • The “net cost of reinsurance” provision in the filing appears to disregard the actual reinsurance experience in NC.
  • The filing appears to disregard the actual hurricane loss experience in NC.
  • The AIR computer model results are based upon outdated data and experience.
  • Evaluating the AIR Model is impeded by the fact that numerous assumptions, parameters, formulas, data and other components underlying that model have not been disclosed.”
  • and more!

To review the full Notice of Hearing go to:http://www.ncdoi.com/media/documents/NoticeOfHearingInTheFilingForRevisedHomeownersInsuranceRates.pdf

The NC Rate Bureau’s filing represented a 30% rate increase for eighteen NC coastal counties. Based on filing data however, indicated rates – those the Rate Bureau concluded were the actuarial sound rates needed – were as high as 119% more than current rates. The NC Rate Bureau capped the increase request at 30%.

This settlement agreement represents an overall statewide increase of 7% with the largest increases impacting coastal counties. The beach areas of the coast will see increases as of July 1, 2013 as high as almost 20%; inland coastal areas will see much lower increases. Homeowners insurance policyholders with NCIUA (Beach Plan) wind coverage will be impacted the greatest, since the largest portion of the rate is for wind coverage and NCIUA policies pay above the maximum approved rate. There are approximately 135,000 homeowners – wind only policyholders covered by the NCIUA.

The settlement agreement will cause rates to be higher than rates that have been in place since 1993 in Charlotte and 32 other NC counties. The increase in those areas is as much as 8.4% – an increase from $529 to $574, a difference of only $45 in twenty years. The below map outlines the impact of the increases on coastal North Carolina policyholders.

Check out the by North Carolina Homeowners Rate Revision Breakdown by Territory CLICKING HERE!

DEADLINE MARCH 15-  Homeowners Insurance Survey
NC Senate Majority Leader Harry Brown recently shared that he received more calls and complaints to his office about homeowners insurance than any other issue.  As noted above, rates are going up by as much as 17% in Dare, Currituck and Hyde counties and policyholders are facing even much flood insurance premiums due to Congressional NFIP reforms passed last year.
Please encourage those concerned about the rising costs to participate in a homeowners insurance survey. The survey has been developed by a multi-coastal-state coalition working to improve access to homeowners’ insurance coverage and the affordability of coverage for coastal policyholders.

MORE PARTICIPANTS ARE NEEDED! The survey deadline has been extended to March 15th. Please continue to share this survey with property owners, family and friends and encourage them to fill it out.

United Policyholders is hosting the survey. Their home page – www.uphelp.org – will have a pop-up window that will direct you to the survey or you can find it directly at http://www.uphelp.org/home-insurance-cost-and-quality-survey

140 Old Duck Rd in Duck Village has a New Price!

140 Olde Duck Road, Duck, NC 27949Own Right In Duck Village!

Easy floor plan with three bedrooms and a full bath on the mid level, larger bedroom, dining area, living room and kitchen on the top level. Lots of light, great sun deck, very short walk to the uncrowded beach. Right in Duck Village you’ll love hearing the ocean as you sip coffee on the deck in the mornings. Or watch the sun go down and smell the ocean spray with a glass of wine. Hardwood floors in the living room and large bedroom upstairs. Tile in the kitchen/dining/entry way. Decent sized closets and a laundry area inside the home.