Enjoy this months E-Magazine! Filled with Current Listings, Recipes, Home Tips, and More!
Issue 01
CURRENT LISTINGS, RECIPES, HOME TIPS AND MORE! INSIDE THE OCTOBER ISSUE
The Payne Team RE Direct: (410) 936-0055 Office: (410) 543-4545 ThePayneTeamRE.com
WE SPECIALIZE IN Poultry Farms Single Family Homes Unimproved Land Commercial Properties & More!
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ad here? Call us today
C: (410) 936-0055 O: (410) 543-4545
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The Payne Team understands that your real estate needs are among the largest financial decision you will make in your life. We take that responsibility to heart, going the extra mile to ensure a smooth transaction. The Payne Team prides themselves with providing top notch real estate representation for our clients. We are local real estate experts, specializing in residential, commercial, farms, and unimproved land. Having come together as a team in 2021 it didn't take long for The Payne Team to have an impact on the local real estate community We have been constantly a top 20 performer in the Mid-Atlantic region for Coldwell Banker. The Payne Team was also a finalist in Coastal Style magazine as the Best Real Estate Team in Wicomico County.
MEET THE TEAM
Rob Payne Team Lead- REALTOR
Angela Payne REALTOR
Rachael Fritts Marketing Manger/Admin
Ryan Basch REALTOR
Aaron Bergeron REALTOR
Trey Shaw REALTOR
Coldwell Banker Realty 1131 S Salisbury Blvd Ste B Salisbury, MD 21801 Direct: (410) 936-0055
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Office: (410) 543-4545
Behind the Scenes
Rachael Fritts DESIGNER AND EDITOR
Shawn Hunt LENDER- THE HUNT TEAM VP Area Manager NMLS ID# 1098459 M: (443) 783-0910 O: (667) 330-1541 www.HuntTeamMortgage.com
Rachael graduated from Regent University with a Degree in Business Marketing in 2021. She has been with The Payne Team as a Marketing Manager since 2019.
Ryan Basch REALTOR- MARKET ANALYST Ryan holds a degree in Mechanical Engineering from the University of Delaware. He transitioned to real estate in 2021 to join the family business after 17 years in various technical and business leadership roles with multinational companies.
About The Coldwell Banker Brand
Fulfilling the Dream of Home Since 1906 For over a century, home has been our purpose. It defines us and everyone in our network. Our mission will never waver -- to deliver the treasure of home ethically and honestly.
Coldwell Banker Realty- Salisbury 1131 S Salisbury Blvd Ste B Salisbury, MD 21801 Direct: (410) 936-0055 Office: (410) 543-4545
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CONTENTS
8
Market update
12
featured listings
14
decluttering your home
18
current listings
20
business spotlight
22
diy craft
25
reviews
32
dinner recipe
26
28
upcoming events
31
recently sold
32
6 decor tips for fall
financing information
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36
diy board and batten
dessert recipe
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calendar
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puzzle
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Are you a First-Time Home Buyer?
Scan the QR Code for our FREE First-Time Home Buyer guide! Filled with everything you need to know about the home buying process & how to get pre-approved!
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MARKET INSIGHTS
As we head into Fall of ’22, the local market continues its transition from a strong seller’s market towards a more balanced one. Two years of high demand with historically low interest rates drove inventory down and prices up significantly. Much like the change in seasons, we are leaving a red-hot summer and starting to see signs of cooling. And while growing inventory brings some relief to buyers, the jump in interest rates has not. APPLYING DATA SCIENCE TO BETTER UNDERSTAND OUR LOCAL MARKET
Let’s take a closer look in this month’s Market Insights… All transaction data & data visualizations are based on information from Bright MLS for the period 1/1/2018 through 9/18/2022 Unless otherwise noted, data includes “Closed” transactions from Wicomico, Worcester, Somerset, Dorchester and Sussex Counties PRICING
Real estate prices have been the focus of much conversation across our nation both during and after the height of the pandemic. Average monthly pricing by county is above and shows what has happened in our local market. Average pricing across our region has increased 40 – 50% compared to 4 years ago. That has translated to a lot of equity gain in our communities! However, prices finally appear to be leveling off with even some instances of minor correction as buyers, already frustrated with high prices, re-assess their strategies after losing buying power due to the jumps in interest rates.
As another sign of balancing, fewer properties are selling at full asking. September dropped again with closed sales prices averaging 97.4% of the asking price. Unsurprisingly, variation is seen across the counties with Sussex holding closer to the full asking price.
The # of homes sold peaked in the 2nd half of 2020. Since then, the market has been steadily returning to more “normal” levels. With over 6,900 homes sold so far, 2022 is on pace for about a 20% reduction in the # of homes sold compared to 2020/2021
Eastern Sussex and Worcester have seen the most activity so far this year for fee simple (non-condo, non- land lease) home sales. Lewes holds the top spot, followed by Berlin & Millsboro. OC has the most sales (by a lot!) if you count condos. This doesn’t tell the whole story though. High prices in the east have driven buyers westward in search of more affordable options that still offer convenient access to higher demand areas. Some of the largest growth in sales compared to ’21 occurred in relatively smaller towns like: Snow Hill (+150%), Princess Anne (+80%), Greenwood (+40%) & Harbeson (+32%). WHERE HAS HE MARKET BEEN THE BUSIEST? # OF SALES IN 2022
WHAT’S NEXT?
Active Inventory is up ~14% since mid- June. More inventory means less competition among buyers. # of Closings > # Pending – Fewer homes are going under contract compared to closings, which means closings will decline in the next 30 – 90 days. While no one has a crystal ball, there are several metrics that are leading indicators of where the market might be heading. Here are a couple…
The data suggests COOLER conditions ahead, but overall the market is still active. Although buyers are gaining more leverage, sellers are still benefiting from the increased prices and solid underlying demand. Have a questions about the Market? Ask me! Email questions to Ryan.Basch@thepayneteamre.com
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As of 9/22, the 30-Year Fixed Rate averaged 6.36%. This is up from a low around 2.8% at the start of 2021. This has a substantial impact on the buyer’s budget as this translates to an increase of roughly $500 in the monthly payment on a $250,000 home.
While many buyers quickly (and understandably) calibrated their expectations based on the lower interest rates, the current interest rates are not abnormal in the context of historical trends.
The fact remains though that rates are running at a 14-year high, which is inevitably one of the main forces driving the cooling in the market
THE TYPICAL HOME SOLD IN 2022 WICOMICO COUNTY
The average # of Bedrooms is 3.3
The average # of Bathrooms is 2.3
% of Homes with a Garage
53%
% of Homes with a Basement
14%
% of Homes with a Fireplace
33%
The average Home is 1,759 Square Feet
YARD SIZE
23%
0.25-0.50 Acre
39%
9%
0-0.25 Acre
23%
1.0-2.0 Acre
0.50-1.0 Acre
4% 3% 2-5 Acre 5+ Acre
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FEATURED LISTING
4725 TYASKIN RD TYASKIN, MD 21865
4 BR / 2.5 BA / 3,321 SF OFFERED AT $449,000
Newly renovated from top to bottom. This 4 bedroom & 2 1/2 bath, 3,321sqft beauty has been upgraded with excellence in every room. This home feature a gourmet kitchen, open floor plan, and views of the water. Gorgeous entry level primary bedroom with walk-in shower and soaking tub. The upstairs features a huge open living space with wet bar, 3 additional nicely sized bedrooms, as well as a large bathroom. Need to work from home? This property comes complete with an office space with a separate entrance. As if that’s not enough, this home comes with a spacious mud room and an attached car garage for your storage needs.
Just a short stroll to Tyaskin Park and Warf, less than 2 miles from Cedar Hill Marina, you can be enjoying your water related activities in minutes. The west side community also features 2 more public beaches and a second marina as well. This home truly needs to be seen to be appreciated, Schedule your showing ASAP!
Angela Payne Direct: (443) 359-0350 Office: (410) 543-4545 Email: Angela.Payne@cbmove.com
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DECLUTTERING YOUR HOME
1 hour for 7 days
DAY ONE
Kitchen
Clean your fridge Throw away old food and expired condiments Make a list of any condiments or food you need to replace Wipe the inside of the fridge Clean your pantry and throw away any expired food Sell or donate any small kitchen appliance you don’t use Go through your junk draw and organize it
DAY TWO
Family Room, Dining Room, Entry
Go through dressers, drawers or bins. If you don’t LOVE something, sell or donate it Sell or donate shoes, coats, scarves, gloves, hats etc. that have been outgrown or arent worn Look around your room and if it feel cluttered donate or sell the decor that doesn’t bring you joy.
DAY THREE
Bathrooms
Clean out all drawers and under the sink Throw away all expire make-up or toiletries Throw away make-up or toiletries that you dont like or use Wipe your draws down Put things back in an organized manner- Use draw organizers for a clean look
DAY FOUR
Bedrooms
Go throughcloset/dresser and donate or sell clothing and shoes that do not fit or you have not worn in the last year Donate or sell kids toys that are no
longer being used Clean under beds
Organize books and toys and donate or sell anything that is no longer wanted Clean surfaces and mirrors
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DAY FIVE
Office
Go through you "pile" and don't stop until the pile is gone! File away papers you need to keep Throw away old papers, fliers, magazines etc that you no longer are using Decutter the deaask space as much as possible
DAY SIX
Garage
Go through any bins and organize it all Donate or sell things that you no longer need/ want/ use Go through kids outdoor toys, only keep what your children use, love and what fits them
DAY SEVEN
Basement and Attic
If you dont have a basement or atic you get the day off! Wahoo! otherwise... Look in every box, bin and corner If it does not bring you joy, throw it away or donte it If it does not fit, if you do not use it, or if it does not have sentimental value, throw it away or donate it
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CURRENT LISTINGS
34556 Pitts Ave, Pittsville MD 21850 3 BD - 2 BA - 1,326 SF OFFERED AT $199,900
7385 Walston Switch Rd, Parsonsburg, MD 21849 OFFERED AT $1,395,000
4725 Tyaskin Rd, Tyaskin MD 21865 4 BD - 3 BA - 3,321 SF OFFERED AT $449,000
20669 Nanticoke Rd, Nanticoke, MD 21840 OFFERED AT $355,000
THE PAYNE TEAM REAL ESTATE THE
(410) 936-0055 (410) 543-4545
8680 Shadow Ln, Delmar, MD 21875 4 BD - 3 BA - 2,356 SF OFFERED AT $399,000
28947 Ponderosa ave #44340, Laurel, MD 19956 3 BD - 2 BA - 1,120 SF OFFERED AT $65,000
20549 Nanticoke Rd, Nanticoke MD 21840 4 BD - 2 BA - 2,304 SF OFFERED AT $239,000
0 Rockawalkin Ridge Rd, Salisbury MD 21801 OFFERED AT $61,900
29203 Pond Run Rd, Westover, MD 21871 3 BD - 2 BA - 1,760 SF OFFERED AT $269,000
1 Hammock Point, Crisfield MD 21817 Waterview Land OFFERED AT $68,000
Want to see your home here? Call us today for a FREE Market Analysis on your home! Direct: (410) 936-0055 Office: (410) 936-0055 19
LOCAL BUSINESS SPOTLIGHT
27000 Ocean Gateway, Hebron MD 21830
(443) 859-8349
www.baywatertrading.com
Baywater Trading Co. offers farm fresh produce and baked goods using locally sourced family recipes and produce from local farmers. Shop with peace of mind, knowing where your food comes from and that you are supporting your farming neighbors
The Payne Team took a trip to Baywater training- One our favorite bakery's on the shore. You just can't ride by without stopping for one of their HUGE Donuts! they are absolutely delicious. Besides their yummy bakery goods, they offer fresh produce, recipe options, local products like homemade soaps, jams, dog treats, mugs and more! Check out Baywater Trading today, you won't be disappointed!
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Toilet Paper Pumpkins
This toilet paper roll pumpkin takes minimal craft supplies and even less time to make! This would also make for a great craft club idea. The few supplies you will need are as follows:
TOILET PAPER ROLLS- no need for the soft fancy stuff the cheap stuff is just fine! FABRIC- an 18in. x 18in, square works best! A fat quarter will make one pumpkin or half a hard will make two! CINNAMON STICKS– we used 2-3 cinnamon sticks per pumpkin. You can order these from Amazon or find them at any craft store. We used unscented ones but either will work. EUCALYPTUS LEAVES– optional but we loved the addition of some green leaves! You can also use fall leafs instead. TWINE– optional but fun! You will have plenty left over for other crafts!
INSTRUCTIONS
place the toilet paper in the middle of the fabric begin by lifting the fabric and stuffing it in the center of the toilet paper roll till you have gone all the way around the roll to keep fabric in place tie your cinnamon sticks with twine and put it in the center of the toilet paper. Add eucalyptus leaves. If fabric needs to be more secure, put hot glue on the side of the cinnam Sticks going in the center. All Done!
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DIRECT: (410) 936-0055 OFFICE:(410) 543-4545
what our clients are saying
I have bought and sold multiple properties with Rob. Rob has been great to work with and is always prompt to answer any questions or take care of any issues that arise. I would recommend him to anyone looking to buy or sell their home
I was referred to Angela by a neighbor. The referral was sterling. Contracting with Angela to sell my home was a pure pleasure. She took over the entire process. Told me what I needed to do as a minimum and what I could do that would increase the value (without substantial costs). She listed the home and sold it "at the asking price" in very short order. If you are selling your home you will not find a more knowledgeable or friendly realtor.
Great experience with Ryan - he was very straightforward, and helped us very quickly place and offer and win the bid. Happy to have found Ryan, he was extremely helpful.
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Servings- 8 People
Ingredients
4 large russet potatoes ¾ teaspoon salt 6 slices thick cut bacon 1 large yellow onion 3 cloves garlic, minced 2 Tablespoon butter ¼ cup flour
3 cups Chicken broth 2 cups half and half
¾ cup sour cream ½ teaspoon pepper 2 cups shredded cheddar cheese 1/8 cup chives, finely diced
Instructions
Cut the bacon into 1-inch squares with kitchen shears. Cook in a large pot over low heat, rotating occasionally. Remove and set aside once crisp. Leave 2 Tablespoons of drippings in the pot. While the bacon cooks, peel the potatoes and cut them into 1-inch cubes. Add to a stock pot and cover the potatoes with 1 inch of water. Add the salt and boil gently for 20 minutes or until very fork tender. Drain, then gently mash. Set aside. Add the diced onion to the pot with the bacon drippings and cook until softened, about 5 minutes. Add garlic and butter and cook 1 more minute. Whisk in flour, use a silicone spatula to stir as the flour cooks for 1 full minute to remove the raw flour taste. Add the chicken broth. Use a silicone spatula to loosen any bacon remnants from the bottom of the pot, this will add flavor. Slowly add the half and half. Bring to a boil, then reduce to a simmer. Stir in the potatoes, then mix in the sour cream, and pepper. Remove from heat. Gradually sprinkle with shredded cheese and stir until combined. The soup will continue to thicken as it sits. Garnish with green onions and bacon, serve!
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OCTOBER 9TH
SUNDAY, OCTOBER 9TH FROM 12PM-4PM
Come out and celebrate BayWater Trading’s 1-year anniversary!
Flannery’s Food Truck Petting Zoo & Pony Rides Bounce House
Touch-A-Tractor Pumpkin Painting Face Painting Kids Games & activities Local Vendors & SO much more!!
Admission is free Children's wristbands will be available for $5,and include access to all of the games, activities, bounce houses, petting zoo, etc. Costume contest to be held at 3:45pm, with winner receiving a prize! COME SEE US!
OCTOBER 23RD
10-12PM LOCATION: TRAP POND, LAUREL DE
This event is named after Lainey Mitchell, who died in utero at 34 weeks gestation. Unfortunately, many other families have experienced the awful tragedy of losing a child. In fact, 23,500 babies are stillborn each year in the United States. Prevention methods and education are desperately needed. On Sunday, October 23rd, please join us to celebrate the lives of babies gone too soon. You can register as an individual, create a team (many teams are in honor of a baby), or join a team. You can also register to volunteer at the event. The schedule on October 23rd is: 9:30-10:30 Check in 10:30 Welcome including reading of baby names 11:00 5k Run or Walk
Scan the QR Code to Register or Donate
This event benefits Count the Kicks, a stillbirth prevention campaign that educates expectant parents about the importance of tracking baby movements to prevent stillbirth. Research shows that a change in movement is sometimes the only indication that a baby is in distress. This is an evidence based solution that is saving babies NOW!. Count the Kicks is saving 1 in 3 at risk babies in Iowa, where the campaign began. We want to see that happen across the country so 7,500 babies can have a Healthy Birthday!
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Join us virtually on November 17-24th for our annual "7 Days of Thankfulness"
Event is held on our Facebook Page @ThePayneTeamRE Be sure to follow us so you don't miss out on all the Giveaways, Activites, and More! Check out last years "7 Days of Thankfulness"
Scan the QR to go to our Facebook Page!
RECENTLY SOLD
545 Wellington Rd, Crisfield MD 21817 3 BD - 2 BA - 1,420 SF SOLD AT $445,000
20670 Nanticoke Rd, Bivalve Md 21814 3 BD - 2 BA - 1,367 SF SOLD AT $799,000
35025 Old Stage Rd, Delmar DE 19940 SOLD AT $1,600,000
7948 Pintail Dr, Parsonsburg, MD 21849 3 BD - 3 BA - 2,310 SF SOLD AT $380,000
26951 S Tourmaline Dr, Hebron MD 3 BD - 2 BA - 1,232 SF SOLD AT $249,900 603 E Pine St, Delmar MD 21875 3 BD - 1 BA - 1,154 SF SOLD AT $149,000 Your home could be here! Give us a call Direct: (410) 936-0055 Office (410) 543-4545 31
6 Tip to Decorate
Pick a Color Scheme Decorating using a color scheme creates a great flow throughout your home. To incorporate color in your decor you can use throw pillows, blankets, fabric pumpkins, faux fall stems, and rugs. If you’d like a bigger change, you can add furniture like an accent chair. Pumpkins and more Pumpkins Nothing screams fall more than our old friend the pumpkin. Adding this element to your fall decor is a must and its so much fun decorating with them. There are just so many options out there. Different size and colors, you can choose to decorate with faux or real ones. They are great for indoor and outdoor spaces. When it comes to decorating with pumpkins, the opportunity is endless. You can paint, carve or simple leave them natural. Smells like fall Fall scents are reflected by the activites of the season. Pumpkin carving, raking leaves, apple picking, baking a pie, and everything else you’ll likely be doing this season. These scents will bring back memories, lift your spirits and calm your mind. Incorporating them into your decor with candles will make a space feel warm and inviting. The options are endless, you can create a beautiful centerpiece for your dining and coffee table using candles and pumpkins. Another great idea to add fall candles to you decor is by using a lantern. One of the favorite places to decorate for fall is the mantel. You can add candle holders, candles, garland, gourds, pumpkins, faux fal stems in beautiful vases among so many other elements.
your Home for Fall
Bring in some texture Adding texture to your decor means creating visual interest. You can do that in many different ways. The key here is diversity. Throw pillows are a great way to experiment with texture. Decorating with throw pillows and blankets will make the room feel extra cozy. Another great way to incorporate texture into your fall decor is by adding some layers. For example, if you have a floating shelf, try to add different wall art, instead of using one singular piece. Use 2 or 3 different sizes, layer them in different directions, these elements will create visual interest. Step into fall Its super easy to give your front porch a seasonal refresh with fall decor. Besides creating a warn and inviting entry for your guests, you’ll also be improving your home's curb appeal. It doesn’t matter if you have a beautiful front porch with a seating area or a small stoop. Adding the right amount of fall decor will transform your space. Start with a weath. If you already decided on your color scheme, you can continue it in your outdoor decor as well. A fall theme front door mat is always fun to have. Here you can add texture again if you layer a different mat underneath. It can be a plaid mat or whatever you’d like. By doing this you will create more visual interest in your front porch. Having fall flowers like mums are always a good idea. Place them in ceramic flower pots or galvanized buckets for a farmhouse look. There are so many cute options out there.
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Pre-Qualification Vs. Pre-Approval
When you hear Pre-Qualification and Pre-Approval, you may thing the terms are interchangeable, but they have different meanings when it comes to the home buying process.
Heres what you need to know:
Pre-Qualification
Pre-Approval
A best guess of what you can possibly afford Can be based of of a verbal statement of income May not always be reliable
An actual extimate of how much you can afford Has been verifies by an underwriter through documentation Significantly more reliable
While a Pre-Qualification may get you started thinking about your options, a Pre- Approval will tell you exactly what you can afford.
DIFFERENT LOAN PROGRAMS
It helps to knowthat there are programs available to help reach your goal. these programs are designed to assist homebuyers achieve the American dream of ownership.
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Board and Batten DIY
Board and Batten is a easy Way to freshen up your entryway. Follow these steps below to recreate this look!
Measuring Your Space The first step for creating this board and batten wall is to measure out your space, and decide how high you want the top horizontal board to be on the wall. begin by marking off some possible measurements for the height, and stand back to see how it will look. After you settle on a height, use a long metal ruler and a level to draw a level line across the entire wall. Next measure out your wall and determined how far apart you want the vertical battens to be. (Shown in picture- 17 inches apart starting with the first batten being flush against the wall).Next, mark off your spacing between each board.
Measure and cut the 1x4 vertical boards. After making all the cuts, nail them into the wall using the level again as well. After all the boards we nailed to The wall, add caulk to the places where the wood met the wall. This creates a seamless look after the paint is applied. Add wood filler to fill the nail holes in the wood and to any knots to smooth the surface. After the wood filler dries, sand down with a Fine grit sandpaper until the surface feels smoth to the touch and even with the surface of the wood. Cutting & Installing The Boards Next start measuring and cutting your boards. Start by installing the horizontal top and bottom boards 1x4 common board. Make sure the boards are level before nailing them in, and then add a 1x2 common board on top to create a ledge.
Painting & Adding Storage Lastly, Paint the boards and the wall space betweenthem with the color of your choosing (color shown- Old Celadon by Behr). Add some black metal hooks for some much needed storage space!
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FOR PUMPKIN COOKIES:
3 cups all-purpose flour 1 teaspoon salt 1 teaspoon baking soda 1 teaspoon baking powder 2 ½ Tablespoons Pumpkin Pie Spice 1 cup granulated sugar 1 cup dark brown sugar, firmly packed 1 cup vegetable oil 3 cups chilled pumpkin puree 2 large eggs 1 teaspoon vanilla extract
FROSTING:
3 cups powdered sugar ½ cup unsalted butter 8 ounces cream cheese 3 Tablespoons maple syrup 1 teaspoon vanilla extract
Pumpkin Whoopie Pies
MAKE PUMPKIN COOKIES:
preheat the oven to 350° F. Line two baking sheets with parchment paper In a large bowl, whisk together flour, salt, baking soda, baking powder, and spices; set aside. In a separate large bowl, whisk sugars and oil together. Add pumpkin puree and whisk to combine thoroughly. Whisk in eggs and vanilla until combined. Sprinkle flour mixture over pumpkin mixture and whisk until completely combined Use a cookie scoop with a 1.5-2 tablespoons capacity to drop dough onto prepared baking sheets, about 1 inch apart. Baking 1 cookie sheet at a time, bake 10-12 minutes, or until a toothpick inserted into the center of a cookie comes out clean. Remove from the oven and cool on pan for about 10 minutes.
MAKE FROSTING:
In the bowl of an electric mixer fitted with the paddle attachment, beat butter until smooth Add cream cheese and beat until combined. Add powdered sugar, maple syrup, and vanilla and beat until smooth. Be careful not to overbeat filling or it will thin out. If you think the filling is too loose, put it in the fridge for about 30 minutes to firm up.
ASSEMBLE:
Turn half of the cooled cookies upside down. Pipe filling onto the flat side of cookies. Place another cookie, flat side down, on top of filling. Refrigerate at least 1 hour before serving.
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Social
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OCTOBER 2022 EVENT CALENDAR
5K- Lainey's
Baywater 1 year
Halloween Happening
Halloween Happening
CLIENT APPRECIATION WEEK
Fall Fest
EMMANUEL TRUNK OR TREAT
HALLOWEEN
10/9 Baywater Trading 1 Year Anniversary: 12-4pm 10/15 Halloween Happening- 10am - The Salisbury Zoo 10/17-10/21 Client Appreciation Week 10/22 Lainey's Lap of Love 5K: 11-1pm Halloween Happening- 12pm -The Salisbury Zoo 10/23 Fall Fest& Trunk or Treat: 4pm- Pemberton Park & Funny Farms Petting Zoo 10/30 Emmanuel Church Salisbury Trunk or Treat: 6:30-8:30pm
We will be attending
For more events check our our Facebook Page @ThePayneTeamRE
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WE'D LOVE TO HEAR FROM YOU GIVE US A CALL
Direct: (410) 936-0055 Office: (410) 543-4545
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