35886 Coastal Highway, Fenwick Island, De 19944 | $3,495,000

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Property Details

Discover a coastal beauty overlooking the Little Assawoman Bay and the Atlantic Ocean! Breathtaking details abound in this spacious custom home with 7,660 square feet heated and 13,616 square feet total featuring multiple decks, a bayfront pool, sev
  • MLS Number: 713565
  • Status: Active
  • Price: $3,495,000
  • Property Type:
  • Area: Fenwick/Bethany East Of Canal
  • Community: Maisons Sur-Mer
  • School District: Indian River
  • Square Footage: 7,660
  • Year Built: 1998
  • Bedrooms: 7
  • Full Bathrooms: 6
  • Half Bathrooms: 3
  • Number of Stories: 4
  • New Construction: No
  • County Taxes: $3,656
  • Waterfront: Bay
  • Water View: Bay
  • Pool: Above Ground
  • Furnished: No
  • Lot Square Feet: 91,476
  • Lot Size Acres: 2.10
  • Lot Description: Landscaped, Water Access
  • Water: Private Central Water
  • Sewer: Public Central Sewer
  • Community Amenities: Beach, Water/Lake Privilege

Interior Features

  • Kitchen: Countertops - Marble, Island
  • Fireplace: Gas
  • Heating: Heat Pump(s)
  • Cooling: Central A/C, Heat Pump(s)
  • Flooring: Hardwood, Tile
  • Attic: Access Only
  • Security: Security System
  • Appliances: Dishwasher, Disposal, Dryer-Electric, Fridge w/Ice Maker, Garage Door Opener, Microwave, Oven/Range Gas, Refrigerator, Washer, Water Heater Electric
  • Interior Features: Built In Bookcases, Cable TV Prewired, Ceiling Fan(s), Fireplace-Gas, Screen(s), Two Master Bedrooms, Vaulted Ceilings, Walk-In Closets, Window Treatments

Exterior Features

  • Style: Coastal
  • Construction Type: Stick/Frame
  • Exterior Type: Cedar Siding
  • Roofing: Architectural Shingle
  • Foundation: Pilings
  • Garage: Attached
  • Garage Size: 4
  • Parking: Driveway/Off Street, Garage
  • Porch/Deck/Patio: Deck - Front, Deck - Rear, Three Season Room
  • Exterior Features: Irrigation System, Outside Shower, Pool-Above Ground, Storage Shed/Outbuilding

Listing Courtesy of OCEAN ATLANTIC SOTHEBY'S INTL REALTY

Fenwick Island Loans, Credit Scores—and “Invisible Ink” Sa

You may have wondered why there are credit repair companies out there, since the credit reporting agencies have to allow any Fenwick Island consumer to dispute incorrect line items on their own. The big Credit Reporting Agencies (“CRAs”) even have online systems for challenging erroneous information. The Agency must act speedily to investigate and correct any false information. Soooo, why pay someone else to just fill out their form?
The answer seems to be the same one that makes practitioners in the legal profession permanently in demand: it’s in the fine print. And in this case, it could be that some of that fine print is written in invisible ink.
As you can well imagine, speed is vital when a would-be Fenwick Island mortgage applicant finds a credit score that’s lower than expected. The mortgage companies will decide whether you qualify (and how much interest to charge) based largely on that credit score. The actual details about how speedily the CRA must act are all contained in the fine print located in the FDIC’s Consumer Protection regulations, “Procedure in case of disputed accuracy” (6500, § 611). Once you notify the CRA, they have to investigate the validity of your claim and (without charging you a dime) determine within 30 days whether the item is accurate. More fine print describe further protections you have—
PARAGRAPH 2: The CRA has but 5 days to notify the company or person who provided the information about your challenge.
PARAGRAPH 6: The CRA has to provide you the results of their investigation in writing, and, if you’ve asked for it, describe the steps they took to arrive at their decision.
PARAGRAPH 7: If you didn’t know that you had the right to receive the above description, they must furnish it within 15 days after you later request it.
Those sound like pretty solid protections—vitally important, since the CRA can’t just sweep your dispute under the rug, stall, or ignore you altogether. After all, they have to detail in writing how strenuously they worked to protect you! Right?
Except for one problem, which is in PARAGRAPH 8. If the CRA simply drops the disputed item from your current report within the first 3 days, that’s officially considered an expedited dispute resolution. Since the item has been dropped, that might seem to be a solid win. But PARAGRAPH 8 says that if the CRA does that, it no longer has to do anything demanded in Paragraphs 2,6, and 7! It’s as if those protections were written in invisible ink…so that next month, if the company or person just reports the same thing, voila! your credit report might once again go back to Square One. The CRA is supposed to notify you 5 days in advance; but let’s face it, the phrase ‘Catch-22’ comes to mind…or ‘Credit Score Whack-a-Mole’…
What can you do, short of hiring repair agency experts to fix your credit score? Most commentators are in agreement: just stay away from the online dispute forms. Send a registered letter with your dispute, because it usually takes the CRA longer than three days to act on it, so they can’t skip the protections.
And while you’re waiting, why not give me a call? We can start scouting for your new Fenwick Island home! Call/Text me Russell Stucki at (302) 228-7871, email me at russellstucki@remax.net, visit more listings at www.beachrealestate.com.

Delaware Relocation Tips: Nuts and Bolts of the Move

 If you go looking for new ideas to make a relocation to or from Delaware easier, it’s amazing how often the words “stress” and “relocation” appear in the same paragraph. The most universally agreed-upon method is to separate the two by hiring relocation professionals—not surprising since many of the most-read articles are authored by people involved in the industry. But the runners-up when it comes to relocation are either work-related (for those who are making the move to change jobs) or moving-related (the nuts and bolts of a household move).

Since I’m involved in moving-day drama reduction on behalf of my clients, some of the tips are those I’ve seen work wonders. The first one is something you can get started on long before any move is on the calendar:

  1. Stockpile cartons, bubble wrap, padding paper—even those peanut-shaped plastic fillers. More and more, Delaware residents are buying everyday items online, so the shipping cartons and packing materials inside are a lot easier to come by. The only issue is creating an area where you can hoard them.
  2. As relocation day nears, be sure to have the other basic packing materials on hand: those disposable heavy-duty Scotch shipping tape rollers and a couple of magic markers.
  3. Within reason, try to sell everything you can (they’re not called ‘moving sales’ for nothing). Especially if you are moving out of Delaware using professional movers, the weight saved can make a meaningful difference on the expense side. If you are fond of shopping, there’s even the bonus of replacing shopworn items with new ones at the other end of the move.
  4. Think forward; pack backward. Imagine the ideal order for unpacking (label an “open 1st” box, “open 2nd” box, etc.), then line them up backward, so that the “1st” box will be first to be unloaded and easiest to spot.
  5. In connection with that earlier “sell everything” tip, once ensconced in your new home, resist the urge to rush right out to complete every room’s decor. Experts agree that this is one of the most common reasons that relos wind up with expensive cost overruns. Relax for a few low-stress days as you unpack at a leisurely clip. Plan to give yourself ample time to figure out what’s really indispensable in your new environment.

The single extra “Top Tip” that most relocation counselors agree upon? It’s Number 6­­—to avoid falling into the trap of assuming that a simple Delaware-to-Delaware move doesn’t also take some degree of preparation. Above all, pack fragile items as carefully as if they were headed across the Delaware border!

 Please don’t hesitate to call me for local recommendations when it comes to a move from or to the area: I’ve spent years collecting a solid slate of proven Delaware resources! Call/Text me Russell Stucki at (302) 228-7871, email me at russellstucki@remax.net, visit more listings at www.beachrealestatemarket.com