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As people approach their retirement years, many dream about settling down in a place they’ve always dreamed of.

The problem is, many couples leave off important conversations till the last minute. While one spouse may think about retiring in a beach community, the other may envision settling in a rustic cabin in the woods. Couples need to have hard conversations on where to live out their golden years, and pre-plan carefully to avoid conflict and potential pitfalls. 

Kicking off a new phase of one’s life is always a challenge. Many retirees love the idea of a warm climate and great scenery, but soon find that these factors alone won’t guarantee a happy life after retirement.

If you’re thinking of moving to a different city or a state, you need to know what it is really like to live there permanently. Rent a home in the area you’re thinking of moving to for a few months.

Consider the area’s accessibility to hospitals, supermarkets, and loved ones like children, grandchildren, or your closest friends. It also makes sense to find a place that’s not too far away from the airport and the main city.

1. Buy a retirement home suitable for aging in place

Many of the newer constructions made for homeowners aged 55 and up are designed for ease of use. Single-level residences eliminate the need to climb stairs. Having everything on the same floor can also make things more convenient all around.

Wider doorways, ramps, and lower kitchen cabinets accommodate wheelchair users. And walk-in showers make things easier in old age.

2. Don’t sink all your cash into buying your home

While you may have a sizable nest egg, don’t tie it all up in your retirement home. Consider making a large down payment and then taking out a mortgage on the property. Better yet, review your options to get the best deal.

Set up an automatic payment system for your mortgage, utility bills, taxes, and other regular expenses so you don’t miss payments. And factor in unexpected and ongoing maintenance on your home.

With the needful in place, you can be free to enjoy your home and indulge in your pastimes and activities anytime you want to. You can travel, take up new hobbies, volunteer in community projects and advocacies, and continue ticking off items on your bucket list.  

3. Factor in taxes

Moving to a new state could change your tax bill, so consider how much you need to pay in taxes. Look into everything: taxes on your retirement income, real estate taxes, and sales taxes. While you may have more than enough to tide you over, consider using your pension and Social Security payments to defray costs. Think too of estate and inheritance taxes for any monies and property you plan to leave to your heirs.

The steps you need to take will only make the new phase in your life even better, especially when it comes to pursuing passion projects and living the life you always dreamed.

To better plan for the life that works best for you, consider taking a look at a Smith Mountain Lake retirement village in the  Roanoke Region of Virginia. You can also explore Smith Mountain Lake properties suitable for every stage of your life by calling me, Jane Horne, at 540.493.1690 or sending an email to Jane(at)JaneAtTheLake(dotted)com today.

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Boats can offer a lifestyle that you may have only dreamed about – one where weekends become incredibly relaxing and fun for your entire family. Just load your cooler up with refreshing drinks and sandwiches and speed off for a perfect day out on a deserted island or sandbar for a day of sun and fun.

Boats don’t come cheap, however. Top up the purchase price with maintenance costs and the time you’ll need to spend to keep the boat in top shape.

Is the ownership is worth the trouble? When you’re looking to buy a boat, you also need a fair bit of acumen and patience. It’s best to go through a few essential steps before you buy your boat.

1. Plan your purchase

If money is no object, you need to examine your reasons for buying a boat.  Ask yourself:

• What do I plan to use the boat for?

It is critical for you to pick out a boat that will work best for your needs. It could be for watersports, sailing, cruising, fishing, or multiple purposes. Take the time to figure out  the kind of boating activities you care most about to you to help streamline your search.

• What kind of boat should I buy?

There are trawlers and bass boats, yachts and cabin cruisers, fishing boats, deck boats, pontoons, ski boats, and many other options to suit your favorite water activities.

• Who is likely to be with me on regular boat trips?

How many people will you typically expect to have onboard?

2. Shop for boats

Once you’ve armed yourself with a good understanding of what you need, find a good boat dealer. They can help match you with a boat that meets your needs and specifications — one that has all the amenities to ensure you have fun on the water.

Factor in all the expenses associated with boat ownership: upfront purchase costs, docking or storage costs, maintenance costs, fuel costs, and insurance.
Set your budget.

3. Consider everything owning a boat entails

Once you’ve determined the best possible boat to buy, consider where you can safely dock it at the end of the day. Also, think about offseason storage options if you live in an area with freezing winters.

Maintenance for your boat, trailer, and motor must be taken into account as well. These can include oil changes, winterizing, washing the boat down after each use, keeping the boat covered between uses, and more.

Fuel costs can be considerable, too, so get your boat fitted with fuel-efficient motors to minimize fuel expenses. And, at the very least, get liability insurance coverage.

4. Test drive the boat

Before signing on the dotted line, make sure you take the boat out for a test drive. Ask the dealer to take you out for a spin to get a better feel for it.

If you’re thinking of buying a boat, consider a lakeside vacation home of your own as well. For the best options, call Jane Horne. She has been at the forefront of Smith Mountain Lake real estate in the idyllic Roanoke Region of Virginia for more than 30 years. Call 540.493.1690 or 800.858.4653 or  send an email to [email protected].

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Flooding is the most common and one of the costliest weather disasters in the US. Even so, most homes aren’t covered for this #1 natural disaster.

Following hurricanes Harvey, Irma, and Maria, all of which hit the US in September 2017, homeowners have apparently wisened up: flood insurance coverage increased to $1.33 million in 2018. This figure is up from $1.29 million in 2017, according to the Federal Emergency Management Agency (FEMA).

Do you live in an area where your home could be particularly susceptible to flooding? Then common sense dictates you be proactive with measures to prevent flood damage. Here’s how:

Assess your area

Start by evaluating the risk of flooding in the area where you live. Assess how well your home’s structure is likely to withstand flooding. Doing so will allow you to better prepare for any eventuality.

One excellent resource to determine the likelihood of a flood in your area is the Federal Emergency Management Agency (FEMA) Flood Map Service. You should also consult with a flood insurance adjuster to determine the specific flood level for your area. This data will enable you to build above the height at which floodwaters could rise.

Understanding your home’s overall risk of flooding will help you better flood-proof your home.

Take precautionary measures

Here are six measures you can take to protect your home from rising waters.

1. Raise your home’s flood level with stilts or piers. Raising your home above the flood level will substantially protect your home.
2. Use foundation vents to provide an outlet for floodwaters. This can prevent pressure buildup, which can damage walls or basement windows.
3. Sump pumps, which let you pump water out of your home, can be an excellent defense against flooding. Invest in a battery-powered sump pump instead of one powered by electricity to pump water out of your flooded basement even when the power is out.
4. Apply brush-on, waterproofing sealants, and coatings to your home’s foundation, walls, framing joints and floors to keep water from seeping in through cracks.
5. Place all circuit breakers and electrical outlets, sockets and switches at least one foot higher than expected flood levels.
6. Don’t let a flooded sewage system back up into your home. Have sewer or septic line check valves installed to seal against flood pressure and allow waste to flow only one way.

Contain the damage

To limit the possibility of damage when flooding has begun:

1. Clear out your gutters and downspouts to allow water to flow through freely.
2. Block off any gaps that can lead to flooding with sandbags.
3. Turn off your electrical system by shutting off your breakers.
4. Let air flow freely through your home by opening your windows (unless it’s raining).
5. Turn on your sump pump to remove water quickly.

By preparing for storms and floods before they happen, you can save your personal property from water damage. In case floodwaters enter your home, make sure to document the flooding to substantiate your flood insurance claims.

Want to find the best Smith Mountain Lake homes for sale? Contact me, Jane Horne, for lakeside luxury homes in the idyllic Roanoke Region of Virginia. Call 540.493.1690 or 800.858.4653 or send an email to Jane(at)JaneAtTheLake(dotted)com.

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Waterfront properties are highly prized and sought after in any real estate market. The monetary rewards are great, and the effects on your overall well-being are priceless. You can see why its allure is hard to resist.

Before you go on to buy waterfront real estate of your own, here are four things to consider. These will help you choose the right property to enjoy for the long run.

1. The overall cost

   The price tag of a waterfront home isn’t the only thing you should prepare for. Insurance is a must for properties like these, and since they’re often exposed to elements, maintenance bills can rack up over time.

   The activities you intend to do in the waterfront home also come with a cost. You may have to add boat ramps or certain additions to accommodate your hobbies and lifestyle preferences.

   Most of all, cost doesn’t just mean money. You’ll have to invest significant time and effort into maintaining a waterfront property (and managing it if you plan to turn it into a vacation rental).

2. Restrictions and by-laws

   Unfortunately, you can’t do everything you want in a waterfront home. So, before you buy, make sure you actually get what you want from that property.

   Ask the seller’s agent about the specifics on what you can and cannot do in and around the property. For instance, can you swim on the water or go fishing? For lakefront homes, ask if motorized watercrafts are allowed on the lake.

   If you found a waterfront property in a lovely, secluded area, inquire about the utilities available in the neighborhood. You might end up with no cell service or expensive utility bills.

3. The property’s purpose

   Think of how you want the waterfront home to be classified. If you’re going to live in it full-time, you might as well classify it as your primary residence. If you only plan to use it for vacations and holidays all while keeping primary home, it should be classified as a second home.

   If your sole intention to purchase waterfront property is to manage it as a full-time vacation rental, it is considered an investment property.

   The reason behind identifying the property’s purpose is to help you prepare for mortgage requirements. For instance, you’ll need a higher credit score if you’re buying a second home.

4. The market

   Say, you intend to use the property as a vacation rental. Do you have a market, and what is the market like? How often does the area receive tourists? When are the peak and low seasons? Understand the local rental market to ensure a profitable investment.

   If the waterfront property you intend to purchase is located in a neighborhood with a homeowner’s association, double-check the rules to make sure you won’t be breaking any.

If owning a lakefront home is your dream, visit Smith Mountain Lake and explore waterfront homes for sale with me. Get in touch with me today at 540.493.1690 or Jane(at)JaneAtTheLake(dotted)com to check out your real estate options in the area.

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Are you only just starting with your fishing hobby? Let’s pack your angler’s bag by going through the most essential fishing equipment you need. There is no need to aim for top-of-the-line gear yet— improve your skill level first and then upgrade when the need calls for it.

Fishing rod and reel

Two of the most important things you need are your fishing rod and reel. Without these, you would have to try and catch fish with your bare hands.

For beginners, here are a couple of things to consider when choosing your fishing rod:

• Material: Fishing rods made of graphite or fiberglass are durable and flexible.
• Strength or power: Start out with a medium-strength fishing rod. It’s responsive and powerful enough to help you catch different kinds of fish.
• Length: Ideally, a fishing rod should be about 30 centimeters or 11.8 inches taller than you. This will help you cast your fishing line farther.

Fishing line

To draw your catch, you need a fishing line. Always pack a couple of extras in your bag just in case, as lines often get tangled or bitten off by fish.

It’s also important to keep different types of fishing lines. Basic ones are good for most fish, but if you are angling for stronger game fish, special cords are needed. If you’re fishing in clear water, use thin and clear lines to avoid detection. Meanwhile, monofilament lines are tangle-free, all the time.

Hooks

Hooks are another must for catching fish. You should keep a variety, as they come in different types, mainly single, double, circle, and treble. They also come in a wide manner of sizes, starting from 32 to 19/0.

As a beginner, you will most likely use single hooks in your adventures, so keep yourself well-stocked with these.

Bait and lures

To attract fish to your line (and hook), you’ll need some bait and lure. Both are usually attached at the end of the fishing line.

Live bait is the best kind of bait, especially worms and small freshwater fish. If you don’t have access to live bait, you can use bread, corn, small bits of hotdog, and marshmallow.

Fish don’t eat lures. They are, however, attracted by them. It’s always useful to keep a handful of fishing lures in your bag so you still have something to attach to the line once you’ve ran out of bait.

Keep both light and dark-colored lures, as well as two-toned plastic worms, in a tackle box— these will help you adjust to the weather conditions.

Bobbers and sinkers

Bobbers and sinkers work in tandem to keep your bait stable and close enough to the surface. The former in particular acts as a signal fire for when a fish has taken your bait. If it bobs, get ready.

For bobbers, get a small one, preferably made with plastic. These are responsive and light enough to float near the surface. As for sinkers, keep a handful in various weights and materials.

Fishing is a great hobby to learn. Explore Smith Mountain Lake real estate with me so you can regularly enjoy the bounties of Smith Mountain Lake. Contact me today at 540.493.1690 or Jane(at)JaneAtTheLake(dotted)com.

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Are you looking for more ways to increase your property’s market value? Consider building a fish-friendly lake. As the old proverb goes, “Give a man a fish and he will eat for a day. Teach a man how to fish and you feed him for a lifetime.”

Most homeowners shy away from building or redesigning a lake as it can be a pricey investment. It is, however, worth every single penny. Here are five tips to consider when building a fish-friendly lake.

1. Depth
   On average, a fish-friendly lake should be at least six to eight feet deep. This will leave enough space for fish to grow and spawn. The deeper the water, the more your fish will be protected come the winter months.

 

2. Water quality
   The water’s pH level (which determines its acidity) and alkalinity (which helps neutralize the acidity) are important things to consider when determining the water quality.

   Try to keep the water’s pH level at a stable 6.5 or 7.5. Meanwhile, the alkalinity should be over 30.

 

3. Structure
   There is no such thing as a perfectly rounded lake. In fact, it’s advised to stray away from creating a perfect circle. Sit down and draw a rough sketch of the lake. Incorporate bends and curves, mounds, creek beds, and points. With a contoured lake, you’ll be able to mimic the fishing experience you usually enjoy at a natural lake.

   Since moving earth requires large machines and equipment, check with your local government and get the permits you need.

 

4. Spillways
   In order to keep the water in the lake from overflowing, especially during and after heavy downpours, your lake must have its fair share of spillways and drains. This will help you protect the dam and levees, if you have any, and start from scratch should you decide to redesign the lake in the future.

 

5. Forage and sport fish
   To keep a healthy and stable population of fish in your lake, there should be a balance between the forage and sport fish. Forage fish (also called bait fish) basically serve as the food your sport fish will feed on.

   There are many choices to choose from. If you’re going to keep largemouth bass as sport fish, supply at least 750 native bluegills per acre. Bluegill spawns regularly and can even become a sport fish once they’ve reached adulthood.

   You should also maintain supplemental populations of forage and sport fish to support the main group. If you’ve decided on bluegill as your forage fish, complement this species with redear sunfish. They won’t compete for food and, like bluegill, will also make a fine sport fish.

   Click here to read more about fish stocking.

A fish-friendly lake in your property can increase its value by up to 20 percent. And should you decide to resale, you can expect significant returns on your investment.

Find a suitable site for your project. Explore properties for sale in Smith Mountain Lake with me. Connect with me today at 540.493.1690 or Jane(at)JaneAtTheLake(dotted)com.

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For many people, living in a home right by the water is the ultimate dream. However, some extra work is required if you want to keep enjoying the breathtaking views, relaxing sounds, fun water activities, and all of the great benefits of living in a waterfront home. 

Maintaining your home

Any waterfront homeowner will tell you that living by the water requires more maintenance compared to living in a conventional home.

A waterfront home is more exposed to humidity, mist, and other elements (such as salt if it’s situated by the ocean) which can affect the grounds and the exteriors, and even furnishings, appliances, and other items inside. While this isn’t really something you should worry about, it just means you will need to allocate more of your budget towards maintaining your home and making sure everything’s in tip-top condition.

Here are several maintenance tips to keep in mind so you can take full advantage of your new property and enjoy it for years to come.

Doors and windows

Excess moisture and exposure to winds can make your doors and windows susceptible to dust and mineral buildup.

• Rinse all hinges and surfaces with fresh water regularly to prevent any particle buildup
• Use aluminum window frames if you’re installing new windows or replacing your old ones. Aluminum can withstand corrosion and rust due to the environment’s high moisture levels.
• Open and close all of your home’s windows from time to time to loosen up its sliders, knobs, and hinges.

Outdoor areas

Outdoor spaces such as patios, balconies, and sundecks are designed to take full advantage of the scenery and the picturesque environment. However, these parts are also more exposed to the outside elements, so you need to make sure they’re properly protected and maintained.

• Clean your decks and patios at least two or four times each year. Apply a clear stain on your wooden surfaces if needed.

• Use tiles with anti-skid and acid-proof properties such as mosaic or terracotta for your patios and balconies. These will help prevent accidents, and are easy to clean as well.

• Consider installing a bird feeder in your home’s outdoor areas. In addition to helping out the bird population in your area, attracting more birds can also eliminate spiders and large insects living in your outdoor spaces.

• Avoid cleaning outdoor furniture and surfaces with harsh cleaners, as it may lead to faster degradation. Look for cleaning solutions made of natural ingredients, or use a gentler type of cleaner, such as dishwashing soap.

Kitchens and bathrooms

Kitchens and bathrooms in waterfront homes can develop some issues because of the high amount of moisture in the area.

• Ensure proper ventilation in the kitchen and all bathrooms. Add dehumidifiers in case your kitchen or bathroom has insufficient ventilation, in case installing additional vents is not an option.

• Use protective wax coating on kitchen appliances such as your refrigerator, stove, and other expensive items to shield it from potential water or rust damage.

Want to find the best Smith Mountain Lake waterfront homes for sale? Call me today at 540.493.1690 or 800.858.4653! You can also send an email to Jane(at)JaneAtTheLake(dotted)com

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Purchasing a home is a complicated process, and it can become even more complex if the property you’re aiming for is a waterfront home.

But like buying any other type of property, arming yourself with the right information is key. When you know more about the process of buying a waterfront home, you’ll be able to make the right decisions that will get you closer towards your goal of owning a paradise right by the water.

If you’re in the market for the best Smith Mountain Lake waterfront homes for sale, here are a few tips for you to keep in mind:

Work with an agent who specializes in waterfront homes

Most agents do not possess extensive knowledge of waterfront homes in your area. This puts you at a disadvantage, as you need to work with someone who will be able to identify the best deals available.

Look for a home that matches your lifestyle

Try to find a property that caters to the lifestyle you’re looking for. Find out about the activities and destinations you can enjoy in the area, and see whether the home offers easy access to them.

If you’re looking forward to boating, kayaking, fishing, and other water-based recreational activities, gather more info on things such as boating restrictions, when the peak fishing season is, and other factors related to your activity.    

Look beyond the home’s structure and appearance

Some buyers make the mistake of buying a waterfront home based solely on its appearance, discovering later on that it’s situated in a subpar location. The views might not be that great, the home might not offer that much privacy, or it might be difficult to get to the water from the home – these are just some of the things that could bother you if fail to look past the home’s structure itself.

Remember that you can renovate and upgrade the home, but you can’t do anything about its location, so make sure you choose a property you’ll really love.  

Talk to other people in the neighborhood

You can get more detailed information about the area from people who are already living there. Ask them what they enjoy about the neighborhood, if they think there might be any issues with the home you’re looking to buy, or if they’ve encountered any waterfront-related problems in their own homes. 

Know your responsibilities as a homeowner

You’ll likely be part of a homeowner’s association, so be sure to find out if there are any maintenance and upkeep requirements from the homeowners’ association’s management company. Review the CC&Rs (conditions, covenants, and restrictions) and see whether you can accommodate and abide by all requirements set by the HOA.

Searching for the perfect waterfront home is exciting, but things can get out of hand if you don’t make the right decisions. Just remember to work closely with your agent, follow a strategy, and take some time before making any big decisions.

Want to find the best Smith Mountain Lake waterfront homes for sale? Call me today at 540.493.1690 or 800.858.4653! You can also send an email to Jane(at)JaneAtTheLake(dotted)com

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A lakefront home is a special place where you can unwind, enjoy the views, and spend quality time with loved ones.

While the picturesque views and the soothing sounds of the lake usually take center stage, you still want your home to match the mood. Whether you’re looking for an easy, affordable upgrade or a fresh renovation that will turn your home into the perfect lakeside paradise, here are a few decorating tips for you to consider:

Use muted color schemes

Vibrant, neon colors can brighten up most rooms, but avoid using them in spaces with a waterfront view. Softer and more natural color palettes work best, as these can further highlight the gorgeous view.

Try using cream shades, pastel blues and greens, soft purples, and other muted tones. You can also consider adding deeper and bolder shades as accents to create a look with more character.

White works well

Using a white palette for your interiors can add a fresh and sophisticated look to any lake house. To keep it from feeling too sterile, you can balance the look by using earthy tones and softening the room with some simple curtains.  

Spruce up your windows

Let more natural light flow through your lakefront home by using light-colored drapes, vertical blinds, or installing wood shutters for your windows. These are perfect for brightening up your interiors, and are easy to use as well.

Use pieces made from water-friendly materials

Furniture and décor made from water-friendly materials such as wicker, bamboo, or rattan are perfect for lakeside homes. In addition to withstanding humidity and wet swimwear, it also adds a natural touch to your interiors.

Rearrange your furniture

Take a look at your furniture’s current layout and see if you can position a few pieces to highlight the outdoor views. For example, sofas and other large pieces of furniture can be positioned in such a way that draws the eye towards the windows.

Positioning chairs and sofas directly in front of the windows also works, but strategically arranging your furniture is a terrific way to make scenic views the focal point of any room. You can use this same technique not just for your living room, but for dining rooms, bedrooms, home office, and other spaces as well.

Complement the environment

The lakefront views are already the main feature, so try to avoid using too much water-inspired décor. Instead, look for subtle ways to add to the look while using the views as your inspiration.

For example, you can add a coffee table made of driftwood, incorporate a sandy texture to your window treatments, decorate your space with lake stones, sea glass, and other water-inspired pieces that don’t feel too heavy-handed or overwhelming.

Install dark sky lighting

Head to your local light fixture retailer or hardware store and find out if they carry dark-sky lighting. These exterior lighting fixtures help minimize upward glare and light pollution effectively, giving you a better view of the stars and the night sky.

Want to find the finest Smith Mountain Lake real estate options? Call me today at 540.493.1690 or 800.858.4653! You can also send an email to Jane(at)JaneAtTheLake(dotted)com

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Watch the colors change by the banks of Smith Mountain Lake in fall. This is a season that is highly anticipated in this lakeside community due to its colorful calendar of activities. Check out a number of these:

1. SML Fall Chili & Craft Festival

   Celebrate all things hot and spicy at this fall festival, which brings some of the best chili cooks, craft beer vendors, and live bands in one place. Highlights include a chili cook-off, with chefs and cooks showing off their culinary skills using – you guessed it – chili. Outstanding participants bring home awards like the “Best Chili”, “People’s Choice”, and “Showmanship”.

   Sample some of the finest chili dishes in Moneta, listen to live music, and check out the vendors selling food, drinks, and other treats. The festival traditionally takes place at the lakeside right by the Bridgewater Plaza.

2. SML Wine Festival

   Wine lovers shouldn’t miss this annual fall tradition, which attracts the best wineries from all over Virginia. Last year’s festivities included 25 wineries and 80 craft vendors, with roughly 7,000 guests in attendance. Popular bands Worx, BurningBridges, and Barefoot provided live entertainment. Over 300 volunteers came together to make the event happen.

   Going to this two-day event is the perfect opportunity to meet local craft vendors, discover artisanal products, and sample wines from all over the state.

3. SML Antique & Classic Boat Festival

   This festival is a huge gathering of antique and classic boat owners from the East Coast. Organized by the local chapter of the Antique & Classic Boat Society (ACBS), the event is dedicated to the preservation and restoration of timeless boat models, as well as the promotion of antique and classic boating activities in SML.

   The festivities kick off with a public show where everyone can come and admire the beautiful boats on display. Last year’s festival took place in Mariner’s Landing and Conference Center.

4. Harvest Time of 1864

   This family-oriented event takes place at the Booker T. Washington National Monument. Guests are offered a glimpse of life in the mid-19th century by way of ranger-guided tours, activities, educational programs, wagon rides, and food vendors.

   This event is usually held in late September. Everyone was busy with harvest time at the plantation where Washington, a freed slave and renowned African-American educator, was born. Harvest Time of 1864 is depicted through living historical vignettes and farm work demonstrations during the festivities.

5. Oktoberfest

   Enjoy the best of German food and craft beer during Oktoberfest in SML. This event brings you amazing food, drinks, crafts, live music, and age-appropriate activities including face painting, animal adoptions, 5k trail races, and goat yoga.

6. Balloons & Tunes Festival

   This family-friendly festival is traditionally held in Downtown Moneta, where you’ll see dozens of brightly colored balloons rise into the air, and over Smith Mountain Lake in the distance. Hundreds of guests come here for the chance to enjoy a tethered hot air balloon ride, listen to live music, and watch countless balloons glow in the dusk.

7. SML Charity Home Tour

   This community fundraiser gives attendees access to eight of the most gorgeous waterfront homes in SML. Homeowners are present to discuss construction, décor, architecture, landscaping, and private art and antique collections on display. Volunteers also join these tours to answer questions about the home and assist guests who arrive by boat.

   Proceeds are divided among eight local charities. The event has raised $5 million to date.

Live close to these wonderful events. Let me, Jane Sullivan Horne, help you navigate the luxury real estate market. Call me at 540.493.1690 or send an email to Jane(at)JaneAtTheLake(dotted)com.

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