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From Mansion To Crack Shack In 4 Hours Or Less.

I want it stated, for the record, and despite all evidence to the contrary, that I’m actually looking forward to moving to Virginia.

North Carolina, it’s been real. I can’t deny you’re a gorgeous state

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But it’s hard for a person to grow without change, and even a 4-hour change is better than no change at all.

Four hours, surprisingly, is actually affording more change than I’d originally expected. After all, we’re only moving one state away. In Europe, that distance could easily be the difference between country and currency and language. But here? We’ll still be south of the Mason-Dixon — still, I imagine, a land of southern accents and boiled peanuts and where I’ll definitely be a doodle. Of course, I already knew I’d have to do the typical annoying military spouse things like get a new driver’s license, find a new hairdresser, and spend hours manually searching for the perfect classic rock radio station. (What? The Tracker doesn’t have a “search” feature and I’m too cheap for satellite.) But now that I’ve had some time to absorb the news, some other changes have started to sink in.

1) Location, location, location!

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We are going to be on the coast, guys. I mean, I know North Carolina is a coastal state too, but I can count on one hand the number of times we’ve packed up and headed a couple of hours to the beach. But soon? We’ll be living on an actual peninsula surrounded on three sides by the blue stuff. And while I’m not technically a “beach goer,” per se, there’s something undeniably peaceful about water.

Except. Does anyone know how much flood insurance costs?

2) Location, location, location! Again!

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We’ll be four hours closer to parts of the U.S. I’m dying to explore. Just a hop to Richmond, a skip to D.C. and a jump to Philly and on up to New YorkAnd I’ve never been northeast of there.

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I hear they serve lobster on buns.

3) Business Opportunities.

You’ve probably guessed by now that I don’t make a lot of money. I officially started this whole “self employment” thing just over a year ago, and I’m just now getting settled with regular gigs. I have a small network of local realtors who hire me to photograph their listings, and I’ve been getting regular assignments from a local magazine for articles and photos. These things take time to ramp up — a friend tells a friend who tells a friend who tells a friend — and it takes even longer when you’re not really trying. Mentally, this whole time, I knew we’d be moving soon and that I’d have to start over. In a few months? I won’t have that excuse.

It will also be time to start focusing this blog a bit more. I want to do more food and travel (see numbers 1 and 2 above). I want to find ways to generate an income that justify the time I spend here. The time I love to spend here. Perhaps some sidebar advertising and finally linking up with Amazon Affiliates. I shop on Amazon like… all of the time. It saves me from going out into the world. And I’d love to start sharing some of these things with you guys, but in North Carolina I’m not allowed to participate in the affiliate program. But after a 4-hour move north to Virginia? We’re good to go.

MattressPad

For example, we’re the recent proud owners of this extra plush mattress pad supposedly used in Marriott hotels. I had to throw away our foam topper, which was about ten years old and disgusting because humans are disgusting creatures, and I opted for this because it’s rumored to be cooler than foam and my husband schwitzes like Richard Simmons after a leg lift. The verdict? Loving it. It’s still a bit warm, as any plush surface is expected be, but the price is right, it’s washable, and it’s made in the U.S. and supplied by a veteran-owned company called Exceptional Sheets Co. There was even a hand-written thank you note inside the box. And by purchasing through Amazon, I saved over $100.00 on what they’re charging on their website. I’d love to be able to tell you about these deals and get a little sumpin’ sumpin’ in return. Win-win for everyone! Amazon and Exceptional Sheets Co. did not compensate me for this endorsement. Thank you.

4) Culture.

Never before have I lived so close to a place where people go on vacation. While my sister has lived in Miami and now Chicago, my mother lives in Colorado, my aunt and uncle have lived in Hawaii, and Justin’s aunt and uncle in northern California, I’ve always lived in places like Omaha. And Valdosta. And Fayetteville. And while there’s really nothing wrong with these places (Omaha has an incredible restaurant scene, FYI), they’re not typically places people go out of their way to visit when they have time off from work.

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But Colonial Williamsburg has actual tourists. And I’ve always wanted to be a local who complains about the tourists.

5) Housing Costs.

I’m just now realizing the mistake I made in my assumption that housing costs there would be comparable to housing costs here. After all, I figured we’re moving from a “military town” to a “military town.” I hadn’t considered factors 1-4 coming into play and affecting home prices. And while there is certainly affordable and nice housing available in the areas immediately surrounding the Air Force Base, I’d kind of gotten my eager little heart set on Williamsburg because hellotricornes.

Tricorne

But the reality is that factors like a desirable location and expanded business opportunities actually do affect the cost of living, hence —

What I thought we’d be able to buy in Williamsburg:

Dream House

What we’re actually able to buy in Williamsburg:

Reality House

And okay. I need to explain so you can see I’m not as shallow as you think I am. The second house is actually quite nice by world standards — and by my standards. Inside, it’s absolutely adorable. But the location is not prime, and it’s obviously cookie cutter construction, which is a huge peeve of mine. It’s priced way above tax value, which would make it nearly impossible to re-sell in three years. And that, kids, is the real deal breaker.

SadHouse

The first house, on the other hand, is a gorgeous brick ranch in a pretty suburban setting, just minutes though from great grocery stores and local attractions. It has a large backyard for the mutts, and plenty of space between neighbors. However, the inside could still use some cosmetic work. Unless you actually like dark wood paneling, that is. The first house would be our dream purchase in that area, but it’s already priced — and fairly — at the top of our budget, leaving us little money to spend on the fun stuff.

SadHouse2

*Of course, the actual location within Williamsburg and the financial situation of the seller can skew this reality, so I’m staying optimistic that we’ll be able to find something that works for us and falls within the realm of affordability without making us house-poor. There are also compromises we could make, like perhaps considering a town home or moving outside of Williamsburg and closer to the military base. Because #1 and #2 in my list above are very — very — important to me, and I want to be able to take advantage of our proximity to some really cool nearby restaurants and attractions.

In the end, what’s important is finding that perfect balance of a comfortable home we’re not financially tied to in a location we’re excited to explore.

Us

I whined about it on Facebook yesterday and Stephanie, who lives in Vancouver, put it into perspective for me by having me take this quiz called “Crack Shack or Mansion?” The object of the game is to guess, among a series of relatively small and mostly run-down looking homes, which cost over a million dollars and which are certified “crack shacks.” My first-time results aren’t surprising:

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Thanks for the crack house upbringing, Mom.

(Kidding!)

But it was Jeannine who said the magic words I seemingly need to remind myself of about every issue on every day. She said, “It will work out, it always does.”

And you know what?

It always does.

Have you ever been in sticker shock about a move?

Katie

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Comments

Stephanie
Reply

Ok, you just inspired me to do some research on Williamsburg real estate. Apparently I could get a brand new 4 bedroom 3000 sqft house for less than my 2 bedroom 1000 sq ft 1977 condo. Not that I have any need for a house, but I’m actually a little stunned. I have always watched TV and movies and thought, “This is ridiculous. A teacher and a housewife (or whatever) could not afford this house unless they were also high level drug dealers on the side or had won the lottery.” Honestly, I have always found people’s homes the most distracting and unrealistic part of TV and movies. But apparently, I just live in the wrong market.

Sorry for making this about me. I really am just shocked right now.

Your friend is right. It will be fine. I’m sure you’ll find something you like. And yeah, I’d lean to the nicer town. Then again, clearly I’m willing to pay for location. :)

Katie
Reply

You could get a literal mansion for the price of your condo. Though you probably wouldn’t be making as much money, either. ;) Suburban tv shows tend to be spot on with the McMansions – it’s the shows that take place in a city that are usually unrealistic!

I agree, though – location is worth paying for. Here’s hoping that location doesn’t include crack. :)

shelly@ohshellsbells
Reply

I’m in the throes of trying to buy my first home. I’m scared to death, I hate big decisions. And given the fact that I live in Cleveland, it is highly likely I will be looking at some actual crack shacks. Good luck with your house hunt, and loved the little illustrations.

Katie
Reply

Don’t worry, it will all be okay! :) My brother lives in Cleveland though, so I know what you’re talking about. Crack is cleanable, and with a little paint, you could spiff any place right up. Just don’t compromise on safety when it comes to your final decision. ;) I’m excited for you!!

Tamara
Reply

Here’s an idea.. Don’t move! :)
Stay here with me!

Katie
Reply

Haha, okay. How do you feel about harboring AWOLs? ;)

Meg
Reply

When it comes to real estate its ALWAYS location, location, location. Even if the better house isn’t exactly what you want, you aren’t putting down the roots of an oak here. Go for the one that will be the least hassle to re-sell even if you cant do all the renovating you want. As someone who works in real estate, I can tell you that even the nicest house in a crappy area, is still in a crappy area and will take forever to sell. A good location trumps renovation every time. And if its available in your area GET AN OWNER’S POLICY from the title company. Its worth every single extra penny!!

Katie
Reply

Ooh, good stuff here. What’s an owner’s policy??

Meg
Reply

In my state (Wisconsin) an Owner;s Policy is insurance that you pay extra for from the Title Company(when you close on your house) that guarantees that you have A) a clear title with no outstanding mortgages or liens, easements or other factors, and B) that there has been full disclosure regarding defects such as a leaking roof, insect damage, foundation issues, etc. These policies are underwritten by the Title Company and are for the full purchase price of the property. This is why your lender will insist on an inspection – the LENDER ALAWAYS gets a Lender’s Policy from the Title Company. And BEWARE if anyone tells you not to get one or you don’t need it. In that case you should walk away from the deal coz there is something rotten in Denmark.

And just FYI – mortgages are valid for 30 years, so anything less than a 30 year check (a search for unsatisfied mortgages that goes back to at least 1983) is questionable.

Penny
Reply

Katie, what Meg is talking about, you may know as Title Insurance. I’ve always thought that it was a huge rip-off because you pay a title company good money to do the title work for you – I don’t think you should then have to buy insurance to make sure they did their job correctly. However, mortgage lenders do require it and you have to buy it. I will say though, this is the 6th house I’ve owned, and I never had an owner’s policy. And in the 13 years I did in real estate, I never had a client ask for it and none of them ever had a title problem. But it does happen.

Meg
Reply

Penny, you were very lucky not to have had any expensive issues that stuck you for the big bucks that can come with a problem house.

What you need to understand about title insurance is that there can be many thing that have gone wrong with a property that not even the title company can discover. There may have been a utility easement that got left off of a survey map, but its still valid as far as the utility company is concerned. Now the foundation of your house is 3 feet into where the new sewer line is going. Its not the sewer line that’s going to be doing the moving. All the wiring inside the walls of your house may be out of code and now your little lighting project is going to cost hundreds or maybe thousands of dollars becoz it all has to be re-done. Title insurance is NOT just about what you can see. It protects you from things you cant see or that might have been withheld from you AND the title company by the previous owner(s) – the sweet little old lady that owned the house and is now senile and in a nursing home, never mentioned the termites under the kitchen floor to anyone. Its one of those things that if you don’t need it – it seems like money wasted, but if you DO need it and don’t have it, you will be kicking yourself for a long time.

Also, the policy the lenders require is not for you. Its for THEM becoz they know these thing happen and are protecting THEIR interest in the property, NOT yours. That policy is completely separate from any Owners policy you would have. These are costs that may be negotiable with the sellers when it comes to making an offer.

Katie
Reply

Ughhh maybe we should just rent. :)

Katie
Reply

Ha! Right?!

And thank you. :)

Lo
Reply

We lived in Norfolk , right next to vab a few years ago and my only advice about location is to consider if you have to commute through the tunnel on rt 64. Don’t do it! The traffic is horrendous. But loved living there, there is always a festival of some sort or race going on. The aquarium is awesome and if you like baseball, tides stadium is really great. Enjoy!!!!

Katie
Reply

Ha, great advice! I’m definitely trying to confine the search to the peninsula — Hampton, Newport News, or Williamsburg. I’m so glad to hear you liked it there. I keep hearing a lot about the crime rate in Hampton, etc. so it’s always good to hear something positive. Wish us luck!! :)

AndiAndi
Reply

I have moved from various places in super-expensive California to super expensive Geneva and the super-expensive French town behind Geneva. But family members get sticker shock when they learn what our mortgage, property taxes and HOA fees total.

Katie
Reply

Haha! I don’t even want to know! The trade-off, of course, is that those are some pretty incredible places to live. :)

[…] As people who sold — by owner — our DIY house within two weeks and managed even to turn a modest profit (you know, if you don’t count all of the money we poured into that sucker), we had high expectations when it came to purchasing our second home. At first, we wanted something that didn’t even need updating. No hard projects — maybe some paint and a little wallpaper removal, but that was it. It didn’t take long to realize, however, that a non-fixer-upper just wasn’t in the cards for us. Anything that didn’t need work was either way too cookie cutter for our tastes, too expensive for our budget, or not in a great location. […]

Meg
Reply

ossamples – are you stoned? :)

Katie
Reply

Hahaha, that’s a spammy comment that slipped through. I’m deleting it. ;)

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