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Old 01-22-2010, 05:00 PM
 
17 posts, read 32,375 times
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Hi all!

My husband and I are seriously interested in Roesville...do any of you live there now, and would you be interested in being 'interviewed' by us when we make our way down to the area in a few weeks (on a Saturday) to look, yet again, at the Riverdale?

I think the nail was hit right on the head (in a previous post): it doesn't matter how great the floor plan, the 'community' is definitely what matters!

It seems that those of you choosing CC, love the planes, the school. the buzz around you...and, God bless you for having found your niche. AND EACH OTHER, I am more than a little jealous! We should be so blessed!

We have lived in a lovely neighborhood that time forgot, with our neighbors only leaving by dying, all our married life...not being in each neighbor's hair, but always sure that we could turn to each other for help, or support, or a little gossip. The fear of the unknown is a strange and powerful thing, and probably the number one obstacle that we have to face as a couple.

Family will adjust to us moving, we'll adjust to a retirement budget, and being in each other's space...but, after such a critical and important move, will we adjust to our neighbor's and vice versa?!

I would love to meet some of you, and test the waters...!
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Old 01-22-2010, 10:17 PM
 
4,130 posts, read 13,303,291 times
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]Hi Takin'theplunge,

We liked Roesville very much too, in fact the same model as you. To my knowledge, no one from that community has posted on the forum, possibly b/c only a few homes have been sold (although we haven't visited since the summer). While the homes were beautiful and we really liked them, we're also very hesitant in moving to a community with no clubhouse or pool etc since we're in the same boat as you and others here who basically know no one (or very few), at this point it would probably be a dealbreaker (what if it's never built or if it takes many years before more homes are sold?, times arent good and anything is possible). Also, it's a bit of a remote location which is fine for now but will we feel that way in the years to come (if it remains the same)

When our kids were small and we moved, it was easy to meet people thru them (school, activities etc), with this move I don't really foresee a problem as we're friendly and pretty easy going etc but having a clubhouse sure makes it easy (while we're lived here many years and have fairly nearby neighbors, we very seldom see them as everyone comes and goes, it has its advantages in some ways but at this point in time, I'd like a little more in our next abode <G>). It's certainly neat that so many from the forum are settling in CC and the surrounding area, it IS a small world ;-)

We have yet to see CC and some other communities in DE and will be checking them out as well, hopefully in the next few months, possibly sooner if we take a spur-of-the-moment trip there (which we may), depending on a few things (anyone want to dogsit - ? <G>).

Am unsure about the planes as when I was a kid growing up on LI, many planes flew overhead from JFK Airport and we didnt even live very close to there, it was just the traffic pattern, I can remember my parents having company in the summer and some would actually take pictures of the planes flying overhead, there were some pretty low jets ;-0.

As far as schools, we live very close to an elementary school and there's been no problems aside from cars parking a little too close to our driveway once in a great while and manuvering getting in/out of the driveway can be a hassle but honestly, that's only when they have parents visiting and is very seldom, it's hardly worth mentioning ;-), it might be interesting living near a HS (have taken many evening classes at ours, crafts, cooking, foreign languages, etc) although a private HS probably differs from a public HS in size, etc but bottom line, I don't think it would bother me at all.

Another important criteria for us is that we want to be fairly close to a good hospital, we have to get oriented to where things are in DE as we've mostly just driven thru it and not spent much time there.

Am not apprehensive about actually moving although I sure hope the transition goes smoothly, people move every day and while we havent moved in a # of years, I think it'll almost be a relief when the time finally comes, right now just the thought can be overwhelming - but it's time (soon), we dont' want to stay here and change is good ;-).

We do like the change in seasons but are also considering other states, in fact tomorrow are going to a Live South show in our area (have been many times before and they're always informative and interesting, we end up w/ a ton of literature and lots of email, LOL).

Am also up for a meetup some time, might be nice for all of us to meet when the weather warms up.
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Old 01-22-2010, 10:28 PM
 
1,230 posts, read 1,556,314 times
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Default Condos in DE

Quote:
Originally Posted by kc50down View Post
Has anyone on this thread visited any 55plus condominiums in Delaware or know of any. I have visited most of the communities mentioned here but am wondering if a condo may be an option too.
KC50down,

Being a "single" I am looking for a condo where I can age in place. While not a 55+ community I am very interested in the Vineyards at Nassua Valley which is about 5 miles west of Lewes DE. It will be completely wheelchair accessable and grocery stores, resturants etc. are all within walking distance. A place where you could choose to do without a car as you got older - without losing your independence.

I visited last August when they were just starting construction. The first building is due to be occupied in Mar 2010. The next building is set for completion the end of 2010 and a third due to be completed the end of 2011. I will be spending a week in Lewes in May to become more familiar with the area and take a walk through of the first building and view their model unit.

Since my retirement date is Jan 2014 it will probably be mid to late 2011 when they start taking pre construction deposts for their buildings to be completed by the end of 2012 and 2013. That gives me about 18 - 24 months to watch the progress of this community and make a decision if it will be the right one for me.

While I am visiting Lewes in May I will have an opportunity to visit a few of the 55+ communities mentioned in the forum and compare then to the condo option.

Mary2014
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Old 01-23-2010, 06:45 AM
 
Location: PA
53 posts, read 102,279 times
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Mary
Thanks for the condo information. I too am concerned about down the road when I may not be able to drive and having the stores in walking distance would be nice. I will look into the Lewes area.
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Old 01-23-2010, 07:25 AM
 
7,351 posts, read 10,790,288 times
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Quote:
Originally Posted by kc50down View Post
Mary
Thanks for the condo information. I too am concerned about down the road when I may not be able to drive and having the stores in walking distance would be nice. I will look into the Lewes area.
About walking to stores - Check Longacre Village, near Camden (Kent County). It has it's own very nice shopping villa and there's continuous local bus transportation to and from the subdivision to Dover, Camden, shopping areas and casinos. The Kent County Library is relocating to their shopping villa very soon.
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Old 01-23-2010, 12:03 PM
 
17 posts, read 32,375 times
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Are any of you familiar with a senior citizen home near Roesville?
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Old 01-23-2010, 04:01 PM
 
7,351 posts, read 10,790,288 times
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Quote:
Originally Posted by takin'theplunge! View Post
Are any of you familiar with a senior citizen home near Roesville?
Hello, TTP,
Roesville is a new community, as you know, because you are quite familiar with it. There is a Roesville Road, which leads to that community and other communities. So, people around here don't really think of Roesville as a "place", as in a "town". Probably you mean "around" the Town of Felton, or "around" the City of Harrington, but I'm just guessing. My point is, the non-shopper for a 55+ community probably never heard of Roesville. Harrington has a senior home, but it may be a nursing home. I'll see what I can find out. Now, in the City of Dover, there's quite a selection of senior citizen homes, and many assisted living homes. There are also senior citizen apartments, one brand new complex on Forest Avenue/Saulsbury Road in Dover. Dover is only about a 15-18 minute trip from the Roesville community. Sorry for all this detail. I tend to over-think things.
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Old 01-23-2010, 04:55 PM
 
Location: Southern Maryland
124 posts, read 237,309 times
Reputation: 126
Weather permitting, we're going to DE on Monday to check out our new basement in CC. We'll have some extra time available and we really haven't seen much in the Dover area (except active adult communities!) Does anyone have any recommendations for a favorite restaurant, shop, park, or place of interest that would help us become more familiar with our new "home" area? Thanks to all of you who've already been so generous in sharing local information with us. It's taking some of the "scary" out of moving to a new area as a mature adult (me mature? never!) vs. a young family. Like Honeycrisp said when we moved all those times as a military family we always met lots of other families very quickly because of all our kids. I feel so blessed to already have "friends" (even though we're only web friends now) already in our new home area and those who will be arriving in a stagered timeline after us. It would be interesting to put all of us on a timeline and see what that looks like. Sounds like we're all the way up to four years from now for some of us to retire and move. I'm so impressed by those of you who are doing so much advance planning; you will be so prepared that you will be able to make an excellent decision on your retirement destination when your time comes. We just kinda jumped on the bandwagon last fall and "did it" but we feel like a retirement move to DE was THE best decision we could have/would have made even if we'd continued to research the states of DE/PA/NC/SC/VA for several more years. After the stressful week I've had with some of my clients if I wasn't already planning to retire this year I would have torn my real estate license into a thousand tiny pieces, thrown it in one particular person's face, and just quit cold turkey! What part don't some home sellers understand that in today's home selling market it is NOT "their way or the highway!" (My seller told me that five times in one phone conversation - just before he shouted at me and then hung up on me). Folks it's ALL about the buyers; what few there are who can actually qualify for a mortgage these days. If you haven't already heard, this week HUD raised the downpayment on FHA loans again (to 5%), plus increased the amount of MIP. They just keep making it harder and harder to obtain a mortgage. But I did get my client's overpriced, overimproved house sold (yeah) to a non-contingent buyer, no less. Now we sweat out the VA appraisal. Welcome to my world (but not for long, thank heavens!). I truly won't know what to do without a cell phone attached to my body!

Last edited by cant wait to retire; 01-23-2010 at 05:04 PM..
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Old 01-24-2010, 08:12 AM
 
1,230 posts, read 1,556,314 times
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Default How do all of you plan to pay for your retirement home?

[quote= " If you haven't already heard, this week HUD raised the downpayment on FHA loans again (to 5%), plus increased the amount of MIP. They just keep making it harder and harder to obtain a mortgage. [/quote]

Can't wait to retire,

I value your insight regarding the housing market - is it really a bad thing for the downpayment to go up to 5% and that there is an increase in MIP?

I bought my house in 1980 when 20% down was required and the interest rate was at 12.5%! Isn't the no money down so you can buy more house than you can actually afford what got us into this housing mess? Personally I would much prefer that potential home owners learn how to save up for a downpayment by living on a budget for a few years- before they jump into home ownership.

That brings me to the question regarding how our 55+ crowd plan to pay for our new homes. Since I still have 4 years before I can retire my plan is to look at a condo that is priced approximately 10% less than the current value of my home. I paid off my home 7 years ago - so the money I presently earn that would normally be used to pay rent or my monthly mortgage is going to be stashed away for the next 4 years to cover closing costs,moving costs and items I expect to buy new for my new home.

I think that this stratagy should allow me to break even - so that with the "extras" that always seem to increase the price, I should be able to move into my retirement home debt free. Since my goal is to be able to live on just my social security income when I retire - being completely debt free is part of my retirement plan.

Would like to know how others are determining how much house they can afford and if you expect your present home to cover the cost of your retirement home - or do you plan on having a mortgage?

Mary2014
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Old 01-24-2010, 10:45 AM
 
19,922 posts, read 9,986,006 times
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Quote:
Originally Posted by Mary2014 View Post
Would like to know how others are determining how much house they can afford and if you expect your present home to cover the cost of your retirement home - or do you plan on having a mortgage?
We'll be selling our home in New York and buying our home at Champions Club using the proceeds from that sale. We'll hope to spend the balance at Delaware's restaurants, stores, theaters, museums, casinos, parks, beaches, stadiums and more. No mortgage is planned.
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