March Issue

Check out this months magazine!

Issue 06

CURRENT LISTINGS, RECIPES, DECOR TIPS AND MORE! INSIDE THE MARCH ISSUE

The Payne Team RE Direct: (410) 936-0055 Office: (410) 543-4545 ThePayneTeamRE.com

Poultry Farms Single Family Homes Unimproved Land Commercial Properties & More!

Want to see your AD here? Call us today 410-936-0055

1

Rob Payne Team Lead-REALTOR

The Payne Team understands that your real estate needs are among the largest financial decisions 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.

Angela Payne REALTOR

Aaron Bergeron REALTOR

Ryan Basch REALTOR

Trey Shaw REALTOR

Rachael Fritts Marketing Mgr/Admin

Why Choose Coldwell Banker?

#1 NATIONWIDE

Realogy Brokerage Group LLC has been the #1 residential real estate brokerage in the U.S. for 24 years, successfully bringing together home buyers and sellers from across the country.

Company

Sales Volume

1. 2. 3. 4. 5. REALOGY BROKERAGE GROUP LLC Compass Home Services of America Inc. EXP Realty Redfin

$184 Billion $151 Billion $150 Billion $72 Billion $37 Billion

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

GUIDING YOU HOME SINCE 1906

BEHIND THE SCENES

Shawn Hunt LOAN OFFICER-THE HUNT TEAM

Rachael Fritts DESIGNER AND EDITOR

SVP, Area Manager NMLS ID# 1098459 M: (443) 783-0910

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.

shunt@cmghomeloans.com www.HuntTeamMortgage.com CMG Home Loans | NMLS ID# 1820

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 multi-national companies.

CONTENTS MARKET INSIGHT FEATURED LISTINGS

EASTER EVENT IMPROVING YOUR HOME CMG HOME LOAN BANANA CAKE RECIPE RECENTLY SOLD CALENDAR PUZZLES

31 DAY ORGANIZATION SHEPHERD'S PIE RECIPE REVIEWS CURRENT LISTINGS DAVE RAMSEY ARTICLE

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!

CHECK OUT OUR HOME BUYING PROGRAM!

This program is to help you realize your dream and how we can help make it a reality. We will work with you one on one during and after the program to ensure that you have all the helpful tools you need to buy a home. We are looking forward to setting you up for success! To sign up for the seminars- Scan the QR Code below. If you aren't able to make it in person, sign up and we will send you a zoom link the day of the program.

Mid Atlantic Settlement- 1121 S Salisbury Blvd. Salisbury, MD 21801

MARCH 12TH 1-3pm Mid atlantic Settlement

Know you're BIG why, Setting Goals, Home Financing Options, Understanding Credit, Credit Repair. Etc.

MARCH 26TH 1-3pm Mid atlantic Settlement

Financial Planning, Budgeting & Saving, Home Equity/Investing, Home Maintenance and Care. Etc.

MARKET INSIGHTS APPLYING DATA SCIENCE TO BETTER UNDERSTAND OUR LOCAL MARKET It’s hard to believe it’s March of 2023 already and there has been plenty of activity in the real estate market this year so far. Pricing stubbornly is holding fairly stable and the number of homes sold continues to decrease. This is primarily because there is still insufficient inventory in the market to meet demand. Let’s take a closer look… All transaction data & data visualizations are based on information from Bright MLS for the period 1/1/2018 to 1/31/2023 Unless otherwise noted, data includes “Active” or “Closed” transactions from Wicomico, Worcester, Somerset, Dorchester and Sussex Counties

Overall, home prices in our region continue to hold steady.

AVERAGE SOLD PRICE The average price of a home has stayed fairly flat through 2022 and there is no sign of that changing yet as 2023 kicks off. For the last 12 months, it has hovered right around $450,000. Note this is about a 50% increase compared to 2018/2019. And even when we look by county, the pricing per square foot of homes sold tells a similar story. One could argue that there may be a slight decrease evident in Wicomico, Worcester and Sussex from a peak in Q3 2022.

The chart to the left shows the actual sold price compared to the list price for homes sold since January 2022. It average above 100% in April of last year, but has steadily declined since. It was down to 96% in January 2023. This could be an indication that sellers are still a bit optimistic in pricing their homes for sale, while buyers have gained a little more leverage in the negotiations of their offer.

# OF HOMES SOLD

Sales in January were at the lowest level in the last 5 years. The number of homes sold was down 35% compared to the same month last year. January typically has the fewest homes sold. So we expect to see a rebound as we enter spring and homebuyers who started shopping again after Thanksgiving and Christmas start to close on their new homes. However, we will still see the market constrained by the lack of inventory available for sale.

I discussed the current state of inventory in the 2022 review in last month’s issue, so I will not re-hash those points, but the inventory continued to slide lower through the month of January. There are currently about 1,750 homes for sale in the 5- county region. Hopefully, this will bottom out in February and then we will start to see supply increase again ahead of the spring market cycle. With some stability in interest rates and continued demand for homebuying, it is still a good to time to sell.

Featured Listing

3960 Oyster Shell Ln, Bivalve, MD 21814 5 BD 3.5BTH 4,407SqFt OFFERED AT $945,000 Rare Opportunity to own this gorgeous property located on the Nanticoke River at the mouth of the Chesapeake Bay. This spectacular home offers over 4400 Sq Ft , featuring 5 large bedrooms, 3.5 baths, a second living space and ample storage. Having an upgraded kitchen with Stainless appliances, granite countertops and LVP flooring. The first- floor primary suite will be your private oasis, having 2 large walk -in closets, and an updated ensuite bath with a large walk-in shower, a soaking tub, and a double sink vanity. The massive family room has panoramic views of the river. The outdoor spaces are just as impressive as the indoors. Having your own private dock with boat lift, inground swimming pool with pool house and outdoor kitchen. There is also a detached two car garage, second outbuilding. And if that's not enough, check out the 54x75 Morton Building with 5 roll up doors, loft and insulated room with a small kitchen. You will love the gracious layout and generously sized rooms for living and entertaining. This home was built for making memories!!

Angela Payne 443-359-0350 Angela.Payne@cbmove.com

In Ground Pool

Boat Lift

Dock

Outdoor Kitchen Pool Room 2 Car Garage

5 Bay Building

Organize your home in Days! DAY 1: Set timer for 30 min and try to eliminate 3 bags of clutter from your home 31 DAY 2: Set timer for 30min and clean out the food in your kitchen pantry. DAY 3: Look at your seasonal storage spaces and clear out those items. DAY 4: Clear out the toys- whether it is from your kids, pets, adults, or gaming systems. DAY 5: Declutter the clothes in your closet today! DAY 6: Work on the shoes for all the members of your family today DAY 7: Finish up the clothes by conquering the drawers and any other clothes storage. DAY 8: Jewelry, purses, belts, scarves, and more! If it accessorizes, it is fair game today! DAY 9: Dig deep into those night stands today and organize what's inside DAY 10: If you store any items under any of the beds in your home. Now is the time to dig it out! DAY 11: Set timer for 30min and concentrate on surfaces (table tops, shelves, counters, etc) DAY 12: Get your drop zone in order. Anywhere you drop things when you walk in the door. DAY 13: Sort the mail in those piles and develop a system to deal with it in the future DAY 14: Declutter your media (Books, Magazines, Movies, Music, Games etc.) DAY 15: Today we are going to tackle any office supplies that you have in your home.

DAY 16: Where is paper hiding? It is time to organize and sort your drawers full of lose papers DAY 17: Do you have electronic clutter? Old cell phones, printers, cameras, and more! DAY 18: It is time to dig deep into the refrigerator and freezer DAY 19: Set timer for 30min and start grabbing obvious clutter in your kitchen DAY 22: Today we are going to tackle those spices. Did you know that your spices can expire? DAY 20: What is hiding in your kitchen drawers? Today we are going to find out DAY 21: Wherever you store your food in your kitchen. Today is the day to tackle it! DAY 23: You can easily make your kitchen feel less cluttered. Just look around at the counters DAY 24: Today you need to work on any cabinets that you have yet to declutter DAY 25: Dig deep into every corner of every bedroom of your home and try to reduce the clutter DAY 26: Organize the bathroom to make sure that you can keep it looking as good as possible DAY 28: Declutter your cleaning supplies (cleaners, vacuums, sponges, mops, and more) DAY 29: Time to move into the space where you tackle your laundry DAY 27: Look at the clutter in your linen closets DAY 30: Work on the mud room or the space where your drop shoes and coats when coming in the door DAY 31: Take a tour of your home. Write down every little area that you have not looked into yet. Tackle those next!

SHEPHERD'S PIE Published: Apr 3, 2022 / Updated: Apr 18, 2022

2 pounds of potatoes, peeled and cut into big chunks 4 tablespoons butter ¼ cup sour cream ¼ to ½ cup milk Salt and pepper to taste For the Mashed Potato Topping

For the Filling

1 pound of ground beef 1 small onion, diced 2 cloves of garlic, minced 2 cups of frozen peas, carrot, corn medley 2 tablespoons flour ½ cup beef broth 1 tablespoon tomato paste 1 tablespoon Worcestershire sauce 1 teaspoon rosemary ½ teaspoon thyme 1 bay leaf

How to Make Shepherd's Pie

1.

In a large pot, boil the potatoes in water to cover until fork tender, and then drain the water. Add the butter, sour cream, milk, salt, and pepper to taste. Mash the potatoes with a potato masher or mixer until you reach your favorite mashed potato consistency. Set aside. In a large skillet, brown the ground beef along with the onions and garlic. Drain any excess grease. To the same skillet, add 2 cups of frozen vegetables, then cook for about 5 to 7 minutes, stirring occasionally. Sprinkle the flour over the meat and veggies and stir to mix. Add the tomato paste and stir to mix it in. Then add the beef broth, Worcestershire sauce, rosemary, thyme, and bay leaf. Bring to a simmer and then reduce heat to low. Cook uncovered for 10 minutes, adding additional broth if necessary to prevent the meat from drying out. Remove from heat. Spread the meat mixture in an even layer in a 9×13-inch baking dish that has been sprayed with nonstick spray. Make sure to remove the bay leaf before adding the beef mixture to the dish. Top the meat with the mashed potatoes, making an even layer of potatoes. Line a baking sheet with parchment paper and set your casserole dish on the baking sheet in case anything bubbles over as the shepherd’s pie is cooking. Place the dish in the oven and bake at 350°F. Bake for 30 minutes until golden brown and bubbly. After baking, you can place the dish under the broiler for a few minutes to brown the potatoes more if necessary.

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Recipe by: Salt & Lavender- Natasha Bull

FIVE STAR SERVICE. EVERYTIME.

What our clients are saying

Ryan Basch 443-614-4327 Ryan.Basch@cbrealty.com

Ryan Basch was phenomenal! His patience, followup and follow through made the difference in us being able to close on our home. He was very knowledgeable about waterfront homes and walked us through every step. He ensured that critical timelines and milestones were met and helped us work through questions from our lender. I highly recommend Ryan to support you with your home purchase!

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Thank You!

3960 Oyster Shell Ln. Bivalve, MD 21814 5 BD - 3.5 BA - 4,407SF OFFERED AT $945,000

202 Williams Ave. Fruitland, MD 21826 3 BD - 2 BA - 1,572 SF OFFERED AT $220,000

10012 Birch St. Laurel, DE 19956 3BD - 1BA OFFERED AT: $64,990

Want to see your home here? Call us today for a FREE Market Analysis on your home! Direct: (410) 936-0055

Office: (410) 543-4545

Check out our land listings!

0 Legacy Ln. Crisfield, MD 21817 OFFERED AT $284,900

4177 Lawson Barnes Rd. Crisfield, MD 21817 OFFERED AT $14,900

0 Rockawalkin Ridge Rd. Salisbury, MD. 21801 OFFERED AT $61,900

Check out our Farm listings!

6560 Old Westover Marion Rd. Westover, MD 21871 OFFERED AT $65,000

31262 Morris Leonard Rd. Parsonsburg, MD 21849 3 BD - 2 BA - 2,304 SF 16.55 Acres OFFERED AT $599,000

5542 Watson Rd. Laurel, DE 19956 3 BD - 2 BA - 2,018 SF 10.02 Acres OFFERED AT $1,350,000

9060 Taylor Rd. Delmar, MD 21875 OFFERED AT $700,000

23864 Ocean Gateway. Mardela Springs, MD 21837 OFFERED AT $725,000

Whether you’re here because it’s the new year and you’re ready to get better with your money in 2023 or you’ve just hit an “I’ve had it” moment with your finances, hear this: You can change your actions and your outcomes when it comes to money—any time of year! And a great way to get started doing just that is by getting more organized with your money. Think about it: When you get more organized at home or in the office, you cut through the clutter, put everything in its place, and create a plan for moving forward. The same is true with your finances! So, let’s do this. Organize your money so you can have less clutter and more progress. Trust us: Following these nine tips will bring you more peace than the tidiest room or desk in the world.

Budget.

Budgeting is our very first tip for organizing your money. Imagine a room with things scattered all over the place. You know the birthday card you bought your favorite uncle is somewhere in the mess, but you just can’t find it. The thing disappeared, right? Get Rachel Cruze's new book to learn why you handle money the way you do! Well, no . . . but that’s what it feels like! And guess what, the same idea rings true with your money when you don’t have a budget. You know you made money, but you have no idea where it went. Listen, a budget is a plan for your money—pure and simple. And when things feel out of control and all over the place with your finances, budgeting is the absolute best way to take control. It’s putting every dollar you make into a budget line and saying, “This is where you belong, and this is how you’ll work for me, thank you very much.”

Have budget meetings.

And here’s how to make sure you make a budget every single month: Get yourself an accountability partner and set up regular budget meetings. At these meetings, look back on the previous month to see what was great, and what wasn’t so great. Then, look forward to make sure you’re including any month-specific expenses that could be coming your way. If you’re married, you’ve got an automatic, built-in accountability partner! If you aren’t, find someone who will both motivate and challenge you through the year. Don’t skip this. Accountability and routine are key to getting new habits to stick and making goals actually come true!

Track your transactions.

Ready for a big budgeting secret? You have to track your transactions. All of them. When you make money, track that into your income. When you spend money, track that into the right budget line. Your budget isn’t a robot vacuum. You can’t hit an on switch and forget about it. (Or maybe it is like a robot vacuum. Because if you don’t do a lot of work before you hit that on switch, you know it’ll suck up every doll shoe and Lego in the house.) The point is this: You can’t just set and forget your budget. You’ve got to get in there and keep up with it. Know where you stand on your spending and keep things organized by tracking your expenses. All month long.

Have a miscellaneous budget line.

Even when you’re planning out your budget every month with the absolute best intentions, let’s face it—surprises pop up. Also we’re human, so we forget stuff! One great way to stay ahead of both of these truths is to have a miscellaneous line in your budget. When your kid brings home a field trip permission slip and needs $25 to go to the local owl sanctuary, you can use that miscellaneous line. Or when it’s 3 a.m. and you remember you signed up to bring the apple pie to celebrate Pi Day at work, just hit the store on the way in and track the expense to that miscellaneous line. It might be hard to spell, but the miscellaneous line is easily one of the best ways to keep your budget from going off track when things don’t go 100% according to plan.

Direct deposit your savings. Here’s another helpful tip for organizing your finances: Set up a direct deposit for your savings! Now, this depends on what Baby Step you’re on—because if you’re busy paying off debt, that’s your financial focus right now. But if you’re putting money away for your emergency fund or retirement investments, it makes life a whole lot easier if you set up a direct deposit. No moving money over (and maybe forgetting about it). Just a streamlined, organized process for getting ahead on your savings goals!

Pay your bills online.

Speaking of forgetting things, have you ever forgotten to pay a bill on time? And then had to pay late fees? Yuck. Life gets busy—but setting up automatic payments for your online bills is a wonderful way to, once again, streamline your finances! Just make sure you know when the payments will hit your bank account so you’ve always got enough in there to cover it all. You don’t want to pay overdraft fees. Double yuck.

Use the envelope system.

Have you heard about the envelope system? It’s a fantastic way to (literally) organize money. With the envelope system, you put cash for different budget lines in envelopes (or an accordion folder or a wallet with dividers—whatever works for you!). You can see, right in front of you, how much is left for groceries after that Aldi run. You’ll know if you can afford brunch and goat yoga with friends, because you’ve got the cash right in front of you. You don’t have to make an envelope for every single budget line (remember those autopay bills, for example), but it’s a fantastic way to keep your spending organized and under control.

Stop using credit cards.

Do you use credit cards to cash flow your spending? This is when you charge normal monthly expenses and then pay off the balance at end of the month. If so, stop. This is one heck of a poor money management system. You might think you’re in the clear because you aren’t racking up interest, but you know what else you aren’t doing? Tracking where your money is actually going. So you’re still unorganized and you’re still not the one in control here. Instead, make that budget—with the money you actually have. Right now. And track those transactions as you spend the money you actually have. Right now. This will bring you so much clarity. You’ll see spending habits you didn’t even realize you had. When you pay a lump sum at the end of the month, it’s easy to ignore that daily triple bean burrito habit you’ve developed. When you track everything, your expenses can’t hide from you. Take ownership of your spending throughout the month with money you actually have. Right now. Stop using credit cards.

Pay off debt.

Having debt is like running backward in a marathon—your goals are getting farther away every day. When you’ve got debt, you’re using a part of this month’s income to pay off a purchase from last month (or even last year or last decade). It’s hard to get organized and cover what’s happening now when your finances are living in the past. Listen: Americans with credit card debt carry an average balance of $5,474. The average student loan debt per borrower is $39,487. And the average new car payment is $667 a month. This. Is. Heavy. But there’s good news. You don’t have to keep going backward. You don’t have to keep paying for the past. And you don’t have to carry the weight of all that debt each month. Pay off your debt. Then you can start organizing your money to pay for your present—and building security (and even wealth!) for the future.

Organizing Money Starts Here.

. . . with a budget. This is the first step toward organizing your finances. Hey, you work hard for your money—not even one dollar should get lost in clutter or chaos. You need a plan. You need to budget! If you want this budgeting and money organization thing to get even simpler, use a budgeting app. And know this: You don’t need a degree in finance to be good with finances. You just have to be willing to do what it takes. And you’ve got what it takes to get your money, and your life, in order. Start using these tips, and make it happen!

WAYS TO IMPROVE YOUR HOME UNDER $100 Paint a Piece of Furniture Spray paint light fixtures for a more updated look

Refresh your grout

Shop your house and rotate home decor

Declutter and organize kitchen cabinets

Organize your laundry room

Change out your bathroom mirror for something more modern

FIRST Stop: College... NEXT Stop: Buying a House!

Set yourself up for a BRIGHT financial FUTURE! Get help with your DOWN PAYMENT

As you close the door on your college years, take this opportunity to open the door to your First Home.

Family and friends can give you money towards your first home purchase (no fees, no back statements)

You can get started NOW and use the funds you gather later (you can receive gifts for yours if you need to)

You can also use our propriety online shopping feature UpIt and earn rebate pledges towards down payment dollars when you purchase items online at stores like Target and Best Buy

EXAMPLE 15 Family Members x $200= $3,000 $2,000 HomeFundIt Grant $5,000 towards your home purchase!

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Invite your family and friends to visit (via email, or QR code)

Collect down payment gifts online

Get a 2-to-1 match, up to $2,000 towards purchase

Shop with Upit and earn rebate pledges that go directly to your down payment!

Even if the ink isn't dry on your diploma yet, taking on homeownership could be a GREAT move

Shawn Hunt Loan Officer – The Hunt Team SVP, Area Manager NMLS ID# 1098459 M: (443) 783-0910 www.HuntTeamMortgage.com CMG Home Loans | NMLS ID# 1820

Published: March 16, 2021 : Updated: April 18.2022 by Together As Family

Banana Bread Cake topped with the fluffiest cream cheese frosting! Garnish with fresh banana slices and chopped walnuts. This banana cake is the perfect way to use up old browned bananas. Super moist, fresh banana flavor, and it bakes up perfectly each time. PREP & COOK TIME SERVINGS CALORIES 50MIN 18 PIECES 320 KCAL

INGREDIENTS

Banana Cake

Cream Cheese Frosting

½ cup (1 stick) butter softened 1½ cups granulated sugar 2 large eggs 1 cup sour cream full-fat is best

½ cup (1 stick) butter softened 1 bar (8 oz) cream cheese full-fat is best 1 teaspoon vanilla extract 3 cups powdered sugar 2 tablespoons heavy whipping cream

1 teaspoon vanilla extract 2 cups all-purpose flour 1 teaspoon baking soda ¼ teaspoon salt 1 cup mashed bananas about 3 bananas

INSTRUCTIONS

1.

Heat oven to 350°. Prepare a 9x13 baking dish and spray with cooking spray. Set aside. In a large bowl with a hand mixer, or use a stand mixer with a paddle attachment, cream butter and sugar together until light and fluffy. The mixture will look crumbled but beat it for a couple minuntes and it will start to look fluffy. Add eggs, sour cream, and vanilla. Blend together until combined and creamy. Add flour, baking soda, and salt. Blend on low speed just until combined. Add mashed banana and gently stir together. Dump batter into the baking dish and spread out evenly. Cook for 25-35 minutes or until toothpick inserted in middle comes out with moist crumbs or nothing at all. If a toothpick comes out with wet batter then you need to cook it slightly longer. The edges and top will be light browned. Let cake cool completely before frosting. Once cake is cooled you can either frost it right away and serve OR cover it tightly with tin foil and let it sit at room temperature overnight and then frost it before serving. In a large bowl, beat butter and cream cheese together until combined. Add in vanilla extract, powdered sugar, and heavy cream. Beat together, starting on low speed and increase as needed, until frosting forms. Add more powdered sugar and/or milk until desired frosting consistencey is reached. I never have to add more milk or powdered sugar than what's called for. You want the frosting really thick so it will cut nice. * NOTE: If you use anything other than heavy whipping cream start with 1 tablespoon and work from there. Heavy cream is so thick that you need more of it, lower fat milks you will need less of. Cut into squares and garnish each piece with banana slices and walnuts.

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SOLD at $430,000

SOLD at $230,000

SOLD at $158,500

SOLD at $320,000

Your home could be here! Give us a call! Direct: (410) 936-0055 Office: (410) 543-4545

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MARCH PARADE

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1131 S Salisbury Blvd Ste B. Salisbury MD 21801 O: (410) 936-0055 CB: (410) 543-4545

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