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THE COASTAL REAL ESTATE RESOURCE Coastal Association of Realtors/OC Today-Dispatch

NOVEMBER 2026

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

PAGE 2

Real Estate

NOVEMBER 2026

INDEX OF ADVERTISERS

THE COASTAL REAL ESTATE RESOURCE Coastal Association of Realtors - OC Today-Dispatch

Published by OC Today-Dispatch for the Coastal Association of Realtors. Advertising in this publication is limited to members and affiliated members of the Association. The COASTAL ASSOCIATION OF REALTORS® (CAR) is a trade organization for real estate professionals in Wicomico, Worcester and Somerset Counties on the Eastern Shore of Maryland. Its membership consists of more than 1,000 REALTORs® and affiliate members serving the home-buying and homeselling needs of the public since 1957. The term REALTOR® is a registered collective membership mark, which may be used only by real estate professionals who are members of the NATIONAL ASSOCIATION OF REALTORS® and subscribe to its strict Code of Ethics. The COASTAL ASSOCIATION OF REALTORS is located at 314 Franklin Avenue, Suite 106 • Berlin, MD 21811. Phone: 410-641-4409. On the Web: www.coastalrealtor.org OC TODAY-DISPATCH is the leading newspaper publisher on the Maryland coast, with OC Today-Dispatch publishing weekly on Friday, Bayside Gazette and Ocean City Digest publishing on Thursdays and Real Estate, the Coastal Real Estate Resource publishing key weekends throughout the year. On the Web: www.octodaydispatch.com

Editor ......................................................................... Stewart Dobson Executive Editor ................................................................ Steve Green Account Managers........................Renée Kelly, Mary Cooper, Terri French Classifieds/Legals ........................................................ Pamela Green Art Director....................................................................... Cole Gibson Senior Page Designer ....................................................... Susan Parks Senior Ad Designer ............................................................ Kelly Brown Publisher..................................................................... Christine Brown Administrative Assistant ........................................................ Gini Tufts

Nanette Pavier/Holiday Real Estate, Inc .........................................Page 2 Jamie Caine/Coldwell Banker Realty...............................................Page 3 The Mortgage Link............................................................................Page 4 Hileman Real Estate, Inc ..................................................................Page 5 Steve Green/Coastal Life Realty.......................................................Page 6 Buckley Property Services, LLC........................................................Page 6 Tim Meadowcroft/Long & Foster Real Estate, Inc ..........................Page 7 Berkshire Hathaway Home Services PenFed Realty .......................Page 8 Berkshire Hathaway Home Services PenFed Realty .......................Page 9 CMG Home Loans...........................................................................Page 10 MD Department of Housing & Community Development .............Page 11 Sandy Dougan/Berkshire Hathaway Home Services PenFed Realty ...Page 12 First Shore Federal..........................................................................Page 12 Reserve Studies of Delmarva ..........................................................Page 13 OCVacations ....................................................................................Page 15 Maryland Title Service ....................................................................Page 16

410-723-6397 WWW.OCTODAYDISPATCH.COM

7700 Coastal Hwy., Ocean City, MD

Coastal Area Specialist

410-524-7700 Accredited Buyer’s Agent

Nanette Pavier

Your Delmarva Resort Specialist Licensed in Maryland & Delaware

Cell: 443-235-3498

www.OceanCityMDCondos4Sale.com

NAR Designated Pricing Strategy Advisor

Heron Harbour Sales Center 120th St Open Friday-Monday 11-4 2 Outdoor Pools, Indoor Pool, Fitness Center, Tennis Courts, Sauna and Club House Bay Front 4 Bed 3.5 Bath Sanctuary Townhouse

216 N Heron Dr Unit #2 & Boat Slip

203 S Heron Dr #202A Baywatch III 2 Bed 2 Bath & Boat Slip 41

Best on the bay, beautiful 3 level townhouse with captivating bay views & private boat slip steps from your unit. Highly sought after floor plan that offers plenty room for friends & family with 4 bed rooms, 3 full & 1 half baths plus a first level bedroom/den. Enjoy the all-inclusive resort style amenities of Heron Harbour community which are rarely found blocks to Ocean City beaches. Great summer weekly fireworks views. MDWO2041986

Best of Resort living in this lovely water front 2 bed 2 bath Condo with boat slip #41 in front of the unit. Ready to enjoy with new luxury engineered wood flooring, freshly painted & new stainless-steel appliances. Relaxing water & bay views from the sunny deck. MDWO 2037054

Ocean Side 1 Bed 1 Bath Condo 6 87th St #305 Surf Haven Charming ocean view 1 bedroom 1 bath condo ideally located in mid-town on 87th St close to great restaurants and shopping. Relax on your deck watching the waves and listening to the ocean. Only a few steps to the beach. Furnished and ready to enjoy. Exterior refinished & painted in 2026 and unit 305 has new slider door and window. Just park your car for the weekend to enjoy life at the beach. MDWO2038432

NOVEMBER 2026

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

JAMIE CAINE

Associate Broker

410-726-0725 | JamieCOCMD@gmail.com

Search All Active Listings At: www.jamiecaine.com

Licensed in Maryland & Delaware 6301 ATLANTIC AVENUE UNIT 403 CARLY E OCEAN CITY 2-story luxury ABLY V E I L E B D UN PRICE Oceanside 2,300+ SF townhome recently renovated 2026! New carpeting, paint & elegant Italian Calacatta quartz kitchen countertops. 3 BRs & 3 full BAs. Wrap-around water view balconies. Modern kitchen flows to living area, hardwood cathedral ceilings & fireplace. Secure lobby, indoor pool & smarthome app-controlled fans & lights. Close to dining, bars & shopping.

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12207 D Coastal Highway Ocean City, MD 21842 410-524-1203

8663 BAT CREEK LOOP LANE UNIT 1 WEST OCEAN CITY

T UNI E ENDNHOM TOW

NOW $849,950

Beautiful spacious LIKE NEW townhome STILL under builder’s warranty!!!!! End unit 4 BR, 3.5 BA with additional den/Office space & 2-car garage. Community amenities include exercise facility, indoor & outdoor pools, kayak pier & crabbing pier! Minutes to Ocean City's beaches, dining, shopping, entertainment & short drive to Assateague Island. Property combines convenience, recreation & seaside charm. Perfect primary residence, vacation home, or investment. Simply the best of Eastern Shore living. NOW $449,900

13500 COASTAL HWY UNIT 202 • THE WAVE NORTH OCEAN CITY K BLOC N A OCE

702 BRADLEY RD UNIT 1002 CINNAMON BAY OCEAN CITY S! Beautifully VIEW R E T maintained 3 BR, A W

• Spacious 3 BR, 2 BA condo in solid masonry building • Indoor community pool & just moments to OC’s beaches. • Close to dining, shopping & entertainment. • Perfect primary residence, vacation getaway or investment opportunity. • Easy condo living, great amenities & space for family & guests. • Make lasting memories at the beach – from the comfort of your new coastal retreat! NOW $509,900

3.5 BA townhome just off 94th Street in North Ocean City. Enjoy water views from the spacious balconies & decks, perfect for relaxing with your morning coffee or unwinding after a day at the beach. Inside, you'll find a cozy fireplace & a home that has been exceptionally well cared for. Just minutes to the beach, shopping, restaurants, bars & the grocery store. The ideal combination of comfort, convenience & coastal living. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this townhome is one you won't want to miss! NOW $574,900

5 60TH STREET UNIT 1E OCEAN CITY K BLOC N A OCE

150 SANDYHOOK ROAD OCEAN PINES D ATE! V I T MO ELLER S

A MUST-SEE! 3 BR, 2 BA condo close to Ocean City's beautiful beaches & the Atlantic Ocean. Large oceanview balcony. Small, intimate 6-unit building with secure, locked lobby offers privacy & convenience. This building may also provide a financing advantage under current condominium lending guidelines, potentially simplifying the project review process compared with larger condominium developments. Great location, ocean views & beach living at its best $474,900 come see it!

Move-in ready 3 BR, 2 BA furnished home on .47-acre lot. New roof, vapor barrier & dehumidifier 09/08/26! Relax & entertain on screened-in porch. Oversized insulated garage with built-in cabinets plus room for vehicles, bikes, beach gear, tools & toys. On-demand hot water adds efficiency & convenience. Ideal year-round residence, 2nd home or coastal getaway. Amenities include multiple pools, golf, tennis, pickleball, marinas, parks, trails & access to Ocean Pines Beach Club in Ocean City. Bring your suitcase & start enjoying everything Ocean Pines & the Eastern Shore have to offer! BRING ALL OFFERS!! $10K CLOSING $410,000 COST/RATE BUY-DOWN CREDIT!!

103 CHANNEL BUOY RD CAINE KEYS II OCEAN CITY T FRONK! R E T WA th DOC wi

Bring your boat & beach chairs & start enjoying the Ocean City lifestyle! Well-maintained 4BR, 3 BA home lovingly cared for by the owners. Living room gas fireplace & cathedral ceilings. Well-appointed kitchen with SS appliances. Large rear deck & updated roof. Private dock & updated fiberglass bulkheading. Ideal for relaxing, fishing, or heading out on the water. Close to Ocean City's beautiful beaches & the Atlantic Ocean. Enjoy waterfront living without giving up the convenience of being near everything Ocean City has to offer.

NOW $999,995

The property information herein is derived from various sources that may include, but not limited to, county records and the Multiple Listing Service and it may include approximations. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. Real estate agents affiliated with Coldwell Banker Realty are independent contractor agents and are not employees of the Company. ©2026 Coldwell Banker Realty LLC. All Rights Reserved. Coldwell Banker Realty LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker, the Coldwell Banker logo, Coldwell Banker Previews International and the Previews logo are registered service marks owned by Coldwell Banker Realty LLC. 07/15

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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

NOVEMBER 2026

How to track down the right Realtor for you Buying and selling a home are multifaceted processes that often are made much easier with the help of a qualified real estate professional. Indeed, the complexity of a housing transaction inspires the vast majority of buyers and sellers to seek expert assistance. Data from the National Association of Realtors 2025 Profile of Home Buyers and Sellers indicates that 88 percent of buyers and 91 percent of sellers use a real estate agent to facilitate their transactions. However, one must first navigate the vast landscape of licensed professionals, and selection of the right professional is crucial. Here’s how to do just that. Seek personal referrals One of the first places to start is with friends, neighbors or family members. Housingwire says about 40 percent of people find their agents through a referral. A personal referral typically offers insight about real estate pros that can inform if the person is communicative and reliable. Superior negotiation skills also might be best advertised by former clients than online profiles. Prioritize experience A professional’s level of experience is important. The market often is saturated with part-time or inexperienced intermediaries because the industry typically has low barriers to

entry and relies on fixed commission structures. Although there are some anomalies, veteran real estate pros who have been active for many years tend to close sales more successfully than novices. HomeLight data suggests top-performing professionals can sell homes for up to 10 percent more than average. Look through online platforms Rely on platforms like Zillow, Realtor.com and others to review sales history, specialties and client feedback. Also read online biographies to narrow down prospects who seem like they will be the right fit. Prepare questions It’s wise to interview a couple of professionals before settling on one. The NAR urges individuals to prioritize experience, honesty and trustworthiness. When interviewing, ask about current client load, marketing strategies, experience, and how a professional handles challenges like bidding wars or low inventory. Pay attention to details to determine if a pro has a handle on local market knowledge, including current trends. Trust your instincts Sometimes buyers and sellers ultimately go with what their gut is telling them. If a professional gives off the right vibes and seems to gel with your style and goals, then that

FILE PHOTO/METRO

Matching up with the right Realtor for your home search can make the process go smoothly.

may be the person for you. In short, buying and selling a home is made more manageable with

the guidance of a real estate professional who will be there every step of the way.

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

NOVEMBER 2026

PAGE 5

LIKE US ON Licensed in MD, DE

Neighbors Serving Neighbors - One Home at a Time

BUY • SELL • RENT

11065 Cathell Road Ocean Pines

LONG TERM RENTALS 410-208-9200 Ext. 3 800-337-7368

www.HilemanRealEstate.com

BUYING VS. RENTING A HOME: WHICH IS RIGHT FOR YOU? CALL US AT 410-208-9200

Debbie Hileman OWNER/BROKER, GRI & CRS Licensed in MD, DE

HOME LOOKS STRAIGHT DOWN the 3RD FAIRWAY of the OCEAN PINES GOLF COURSE!

NEW CONSTRUCTION by GEMCRAFT HOMES

EXCELLENT INCOME - PRODUCING PROPERTY

277 WINDJAMMER ROAD OCEAN PINES

104 FRANKLIN AVENUE • BERLIN

Home offers a screened porch and is located on an extra-large cul-de-sac lot DebbieHileman07 overlooking the Golf Course! The @gmail.com "Nottingham" is a ranch-style home with 3 bedrooms, 2 baths, and a 2-car garage. The expansive Great Room area has 9' ceilings and gas fireplace. An open dinette and large kitchen island offer an abundance of space for informal dining. The private Owner’s Suite includes a luxurious Venetian Owner's Bath with a Granite Vanity Top, Rectangular Sink Bowls, and a Tall Vanity with Drawer Base. Excellent location and community!

Located in the quaint town of Historic Berlin! The extra-large lot creates a beautiful rear yard with mature shade trees. Each level contains a 3-bedroom, 1 bath apartment, totally renovated within the past 10 years. Large storage barn. Driveway parks 8 vehicles. Walk to all of the amazing attractions that Berlin offers. Both units are fully leased through Feb. & Mar. of 2027!

Walk to the golf club to start your tee time or grab a bite to eat! One level living with a single car garage, rear deck and a fantastic Sun Room with its own mini-split heat pump. Features include LVP flooring, Stainless Steel appliances, large breakfast bar, double pantry & a front loading washer and dryer.

$624,990

NOW $576,000

NOW $429,900

Cell:

443-235-5982

COMING SOON

YOU'LL FEEL LIKE YOU'RE in the MOUNTAINS

17 SUNDIAL CIRCLE • OCEAN PINES

COMMERICAL LEASE

Seller is installing new kitchen cabinets, stainless steel appliances, LVP flooring and more! French Doors lead from the dining area to rear deck and yard. Guest bath includes ceramic tile floors, walls, and glass block. Primary bath features a tiled shower stall. Fresh paint, storage shed, vinyl siding and front entry deck. Located in the amenity-filled community of Ocean Pines.

This Extra Large 2900 sf Home is on an ExtraLarge lot that backs to Park land! The second level contains the kitchen, living room with 2 story ceilings, balcony ac850 OCEAN PKWY • OCEAN PINES cess, a 16x12 Bedroom and 11x8 Bath. The 3rd level has a loft area, 2 bedrooms and a full bath. Accommodate the in-laws in the Lower-Level living quarters! A one car garage will store all of your beach gear, toys, and tools! Sold in As-Is condition.

Entire Commercial building for lease. First level is a candy store, upper level is office space with full kitchen (Stainless Steel Appliances, Quartz Coun19 ATLANTIC AVE • OCEAN VIEW, DE tertop, Island), 2 private offices (12.5x13.5 and 12.5 x 11), waiting area/office (27x12.5), and full bath with 4' shower (10x9). Rent includes trash removal. Business also for sale.

$349,900

NOW $325,000

$4,000 MONTH

W NE ING T S LI

! ING RS BROFFE L AL

98 WHITE HORSE DRIVE • OCEAN PINES

Terri Bradford Associate Broker, GRI

410-430-6875

Bethany Drew Associate Broker, GRI

410-430-2602

210 TRIMPER AVE #7 SAND & FOAM OCEAN CITY

122 SKIPJACK CIRCLE WHITE HORSE PARK

2 BR, 1.5 BA CONDO –2 BLOCKS to the BEACH!

FURNISHED with Lynette Midtown Ocean City 2 BR, Cindy Crockett 3 BEDROOMS Bridges-Catha 1.5 BA condo within walking White Horse Park boasts and ideal waterfront location just minutes to Ocean City, with the resort area’s most affordable vacation and investment properties! This hard-to-find 3-bedroom double loft home comes fully furnished with new LVP flooring, vaulted ceilings, eat-in kitchen w/newer appliances, bath skylight, concrete patio, shed & brand-new HVAC. The location allows for privacy in the rear. You own the land and never pay ground rent! Numerous well-kept amenities & low HOA fee!

$326,560

NOW $169,900

Cell: 443-497-3128

5034 SPENCER RD SNOW HILL • 4 BR, 3.5 BA, including 2 primary suites, 1 on each level • 1.37 private acres with outdoor pool, multiple decks & retractable awning • 760 sq. ft. of heated & cooled bonus space above oversized 2-car garage • Flexible living areas, including a 1st floor bonus room & 2nd level great room with a gas fireplace

NOW $629,000 Licensed in MD, DE • PO2Team.com • Powerof2@PO2Team.com

REALTOR®, GRI Licensed in MD

distance to shopping, dining, bus stop, Convention Center Smilin4shore@comcast.net & the Beach! This 2nd floor unit has hardwood floors & a new HVAC unit. Building features nice patio area, laundry facilities & assigned parking. Buyers should do their own due diligence to measure property & confirm all information to their satisfaction including but not limited to schools, sizes & tax information. CRS, PMN, GREEN, SRES Licensed in MD, DE

Cell: 410-430-0587

CindyCrockett7@ gmail.com

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REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

NOVEMBER 2026

House hunting? Start with square footage

Shopping for a new home is an exciting experience. As prospective buyers shop around and attend open houses, they are likely to fine-tune their list of what they need and what they want in their next home. One choice buyers will be faced with is how much home to buy. Determining how much square footage an ideal home should have can be difficult. While many home buyers can envision themselves enjoying a palatial estate, square footage is a significant variable in regard to home prices. When trying to determine how much home to buy, prospective home buyers can ask themselves a range of questions to help make that decision. How much can I afford? Home buyers’ budgetary considerations should extend beyond the asking price of a home and into what they will be able to afford should they purchase a particular property. Projected monthly mortgage payments can be easy to determine, but utilities can fluctuate considerably from home to home. Energy prices are fluid, but the more square footage a home has, the higher utility bills are likely to be. When determining how much home you should buy, you first need to identify what you can afford, and that mock budget should include estimates regarding monthly utilities. In addition, upgrading and renovat-

FILE PHOTO/METRO

Asking yourself how much space you’ll really need in a new home is a good first step.

ing a larger property is likely to cost more, so that’s another budget-related variable to consider when determining how much home to buy. How much home can I take care of? Seasoned homeowners know that the work required to own a home never ceases. First-time buyers must keep that in mind when shopping for a home. A home with lots of square footage will require more daily and long-term maintenance than a smaller home. If you don’t have the time, the means or the will to keep up with

maintaining a property, then perhaps a home with a small footprint in terms of square footage is for you. If taking care of the home is not a concern, then extra square footage may not be a deterrent. How important is ZIP code when selling a home? Another variable to consider when determining square footage is the ZIP code of a home. Selling might not be foremost on the minds of prospective buyers, but a large home in a town with a poor

Steve Green Realtor®

410 430 6799 stevegreen@coastallifeoc.com website: stevegreen.coastallife.com

school district and safety concerns is unlikely to generate as great a return on investment as a smaller home in a town with a reputation for great schools and little crime. However, the real estate market is forever in flux, so prospective buyers who prefer a larger home but don’t want to break the bank to purchase one are urged to work with a real estate professional to identify areas that might be up-and-coming and offer the best of both worlds. That’s no small task. How much home do I need? Of course, how much home a buyer needs is a unique and important variable. But this also is a difficult question to answer. Buyers who plan to grow their families will need enough space to accommodate everyone who eventually lives under their roof. Couples buying a home together who discuss how big a family they want to have can use that discussion to inform how large a home to buy. Buyers who like to get out and about can ask how much time they’re likely to spend at home and use that to determine how much square footage they need at home. The ideal amount of square footage in a home varies from buyer to buyer. Determining what suits you may come down to how you answer a variety of questions.

FALL BUCKLEY PROPERTY SERVICES LLC. RESIDENTIAL & COMMERCIAL APPRAISALS

CoastalLifeOC.com • 443 552 7579

INVESTMENT OPPORTUNITY

DUPLEX or SINGLE-FAMILY HOME POTENTIAL

SPACIOUS 7 BR, 3 BA CORNER PROPERTY with NO HOA

103 120th Street, Suite B Ocean City, MD 21842

FABULOUS!

BUCKLEY PROPERTY SERVICES, LLC. A Real Estate Appraisal Company

Refinancing, Negotiating a Contract or Financing Your Mortgage? We Can Help with All Your Appraisal Needs • Full-Service Commercial & Residential Real Estate Appraisal Company • Insurable Value, Appraisals & Estate Appraisals

5 CHURCH STREET • BERLIN

Unique opportunity in the heart of Berlin, Maryland – 1 of Americas Coolest Small Town & recently named an Official Christmas Town by Hallmark. This spacious whole duplex has approximately 2,768 SF, providing plenty of room & potential for the right buyer. Built in the 1920s, this historic property is full of character & is ready for some love & updates to bring it back to its full potential. Whether you're looking to renovate for rental income, create a multigenerational living setup, or add a distinctive property to your investment portfolio, the possibilities are here. Property is currently connected by an internal doorway through the kitchens on each side. Each side also features a finished attic space with closets & windows, adding valuable flexible space. With NO HOA fees, you'll enjoy added freedom & flexibility! Spacious backyard provides endless landscape & relaxation opportunities. A short walk to downtown Berlin's popular coffee shops, boutiques, restaurants & local events & a quick car ride to Assateague Island, Ocean City’s beaches & famous Boardwalk. 2 spacious residences have a prime location on Tripoli & Church streets on just under a half-acre lot. Significant potential makes this a great opportunity for $ an investor or buyer ready to bring new life to a classic property.

470,000

• Certi!ed & Licensed Appraisal Process Team from Start to Finish • Family-Owned & Operated • Serving Ocean City, the Surrounding Areas & Sussex County, Delaware

Pam Greer Buckley Owner and Chief Appraiser

Certi"ed General Appraiser-MD & DE HUD Approved for FHA-MD & DE

Phone: 410-524-7123 Fax: 410-524-7124

of&ce@buckleypropertyservices.com www.BuckleyPropertyServices.com

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

NOVEMBER 2026

PAGE 7

Did You Know? Predicting mortgage rates is no small task and involves consideration of a wide range of variables, some of which are impossible to anticipate. Mortgage rates became volatile upon the beginning of the conflict in Iran in late winter 2026, and that volatility continued throughout the spring. That volatility came after years of high mortgage interest rates, which the Consumer Finance Protection Bureau notes had dipped to 2.65 percent in January 2021 but rose to 7.79 percent in October 2023. All that volatility may have some in the market for a new home wondering

if rates are due to drop. Near the end of spring 2026, mortgage interest rates hovered around 6.5 percent for a 30year fixed rate mortgage, according to data from the lender FreddieMac. Mortgage interest rates are key variables for potential buyers to consider, and Yahoo! Finance projects that interest rates will remain around 6 percent for years to come but steadily decline between 2026 and 2030, by which time the forecasted rates are 5.7 percent. While those rates are always affected by both predictable and unpredictable variables, a dip in interest rates over the next half decade could benefit buyers.

FILE PHOTO/METRO

Calculating your mortgage can be tricky when rates are sometimes influenced by world events.

Top 100 in the Region & Chairman’s Club Member

Tim Meadowcroft Cell:

Realtor®, MD & DE Shore

443-235-7266

Office: 800 992 7777 x 1104 • Fax: 410 524 1423 Tim.Meadowcroft@lnf.com

11701 Coastal Hwy • Ocean City Square Shopping Center 410-524-1700

E-Pro, A-REO, "At Home With Diversity" • 2011-25 #1 Office Agent • 2018-2025 REAL Trends Top 100 MD Agent • 2025 Coastal Real Producers Top 100 • GOLD TEAM & Founders Club

TURN-KEY OCEAN FRONT 3 BR, 2 BA CONDO with OCEAN & BAY VIEWS! 11500 COASTAL HWY T J U S E D! UNIT 1000 T S LI SEA WATCH OCEAN CITY Resort-style living with spectacular ocean-to-bay views! Beautifully updated 3BR/2BA beach 144” wraparound balcony has 2,574 SF of outdoor living space, accessible from every east-facing room through 7 newer sliders. Updated kitchen highend appliances, granite counters & wet bar/beverage center with wine chiller. Custom closets & upgrades throughout. Amenities: 6 elevators, seasonal shops, 24/7 year-round security, on-site management & maintenance + 5-level parking garage. Great rental potential - comparable properties reportedly generating $50K-$70K+ gross annually. Rare opportunity to own exceptional beach retreat! $ Estate Sale, Sold as is.

1,325,000

CE MEN PRIROVE IMP

IMPECCABLY MAINTAINED 4 BR, 3 BA COLONIAL 38523 BLUE HEN DR LIGHTHOUSE CROSSING SELBYVILLE, DE

6 years young home in desirable community. 2-story foyer. Kitchen & great room with gas fireplace. White kitchen cabinets, granite counters, island & breakfast bar, SS appliances: side-by-side refrigerator, dishwasher, natural gas 5-burner range. Laundry room accesses attached extra-large 2.5 car garage. Great room windows overlook fenced backyard + has sliders to deck. 1st-floor primary suite new LVP flooring, walk-in closet & ensuite BA dual vanities & walk-in shower. 2 other 1st-floor BRs opposite side of home share full hall BA. Upstairs loft has door - ideal for media, game room or 2nd living area. Upper-level 4th BR & full BA. Part of loft can be 5th BR. Wide streets, beautiful common areas, fishing ponds & pool. Minutes to DE's beaches, shopping, $ dining & recreation.

NOW 575,000

4 BR, 3.5 BA DIRECT OCEAN FRONT TOWNHOME 5305 T J U S E D! ATLANTIC T S LI AVE #3 SEA SPLASH OCEAN CITY Direct ocean front Midtown townhouse with beautiful views from the 3 ocean front decks. Great rental opportunity or vacation getaway for all of your family and friends. This location puts you close to restaurants, shopping, the boardwalk, and all of the area's amenities. $

Offered at 1,150,000

FURNISHED 2 BR, 2 BA CONDO with BOAT SLIP! 615 SALT SPRAY RD UNIT 3A HIDEOUT OCEAN CITY Southern views from covered, top floor balcony. Personal boat slip directly below unit in wide canal. 3rd floor allows views of fireworks, airshow & OC skyline. Wet bar, new stack washer/dryer & assigned parking. Less than a mile to restaurants, groceries & beach! Ocean City activities cover much of Spring & Fall seasons, giving you more to year-round experiences. Make this your main getaway from the world across the bridge. $420,000 This perfect beach place awaits.

NEW LOWER PRICE

WALK TO THE BEACH! 39968 W OLIVER CIRCLE FENWICK ISLAND, DE Cute beach getaway with 2 BRs & 1 BA behind Fenwick Island lighthouse in seasonal park. Owners have loved this place for years but are ready to pass it along to another owner. Must be approved by Park. Park is open from April through mid-November. Make this your little Beach paradise! $

119,900

ED IVAT MOTELLER! S

EXCEPTIONAL PRIVATE WATERFRONT 4 BR, 3 BA COLONIAL OPEN HOUSE SATURDAY 1-3PM 803 SEABREEZE ROAD CAMBRIDGE, MD Waterfront retreat end of private street on Brooks Creek. Panoramic water, wildlife & waterfowl views from virtually every room! Approx. 120’ of pier w/multiple boat lifts, bulk-headed shoreline, boat ramp, small sandy beach & lawn with mature landscaping. Updated kitchen granite counters & SS appliances. Hardwood floors main living areas. Open concept dining & living areas. Family room gas fireplace, bar & walls of windows. 3 main-level BRs. Upstairs, private primary suite gas fireplace, cathedral ceilings & floor-to-ceiling windows. Primary en-suite BA garden tub, walk-in shower & walk-in closet. Screened porch & large patio. 2 storage sheds – 1 w/2 refrigerators – great for boating, fishing & gatherings. Dual driveways & lots of parking for multiple vehicles, boats & trailers. Boat access to Tilghman Island, St. Michaels, mid-shore's waterfront towns’ restaurants, marinas & boutiques. Ideal full-time residence, weekend escape or ultimate $ waterfront lifestyle.

799,900

2 BR, 1.5 BA GETWAY in HEART of DOWNTOWN OC 110 10TH STREET W N E I N G! UNIT 1 T LIS OCEAN CITY Furnished 1st floor condo with 2BRs, 1 full BA & 1 half BA. Convenient in-unit laundry area. Start the morning on the covered porch, then head to beach & Boardwalk just about 1 block away. Off-street parking space makes it easy to leave the car behind while you explore nearby restaurants, shops & entertainment. Whether you're looking for a place to enjoy with family & friends or a beach property to rent when you're away, this condo puts the best of Ocean City within easy reach. $

299,000

2 BEACH GETAWAYS - SUMMERTIME PARK, FENWICK, DE 39993 N. CROPPERS CIRCLE #7250 REMODELED & RE-VAMPED 2 BR, 1 BA New siding, roof, windows & decking. Brand new kitchen stone counters & SS appliances. Newly upgraded BA, LVP flooring throughout. Coastal style furnished & $ move-in ready!

185,000

39997 N CROPPER CIRCLE BAYSIDE 2 BR, 1 BA IN QUIET LOCATION Quaint unit conveys fully furnished & ready to enjoy. Close to Fenwick Island & Bethany. Sold As Is. Ground lease $10,200 annually.

NOW $119,900

in a Career in Real Estate? Classes Forming Now! Join Our Team At Long & Foster Ocean City! Interested Visit www.longandfoster.com/careers

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

PAGE 8

5000 Coastal Hwy. Ocean City MD 21842 410-524-7000

NOVEMBER 2026

9748 Stephen Decatur Hwy. #109 West Ocean City MD 21842 410-520-2600

11001 Manklin Meadows Lane Ocean Pines MD 21811 410-208-3500

$39,313,481 in Volume Sold in Ocean Pines and $95,007,831 in Worcester County, MD in 2025 “In any operation join up with the best—you will gain from the strengths of those around you. Who else in the real estate brokerage business has the resources of a company that has billions of dollars of net worth? And we’re growing. So get on a train that’s going 80 miles per hour; don’t get stuck on the sideline.” /BHHSPFROceanPines

~ Warren Buffett, chairman and CEO, Berkshire Hathaway Inc. MID-TOWN OCEAN BLOCK CONDO

W NE ING T S LI

2 BR, 2 BA CONDO 2815 TERN DR #21602 OCEAN CITY

11 36TH STREET UNIT 402 SUNCHASER OCEAN CITY

Jeffrey Messick

BOAT SLIP INCLUDED with this furnished 2nd floor 2 BR, 2 BA condo. Coastal-inspired décor, tile flooring & living/dining area to private balcony. Well-equipped kitchen has lots of cabinet & counter space. Boat slip has separate tax ID but conveys with sale. 2 reserved parking spaces. Perfect weekend getaway, vacation home, rental investment, or your place at the beach. Perfect combination: furnished condo + boat slip + 2 reserved parking spaces = an Ocean City opportunity you don't want to miss!

Inviting 2 BR, 2 BA 1,022 SF condo with elevator, 1 car garage and in-unit full size stacked washer & dryer. Ocean views from balcony. Pet friendly too! Perfect beach getaway, 2nd home or investment opportunity.

REALTOR®,

Cell: 410.251.2196

jeffreymessick.bhhspfrconnect.com

$499,900

$329,900

OCEAN BLOCK UPDATED 2 BR, 2 BA CONDO

3rd floor mid-town condo with ocean views! Fully furnished updated unit including appliances. Accessible by elevator. Ideal beach retreat, investment or year-round getaway. Steps to beach & easy access to dining, entertainment, shopping, attractions & Ocean City Convention Center. Bring your beach chairs & start enjoying the coastal lifestyle!

Amy Coy REALTOR® Luxury Collection Specialist Licensed in MD & DE

Direct: 302-841-1105

12 42 ND STREET #303 MYSTIC POINT • OCEAN CITY

$454,900

9005 HORSESHOE LANE • NEWARK

REALTOR® Licensed in MD & DE

4209 SF home on 2.18 acres with basement & 3 car attached garage. En-suite bath for every bedroom, huge rear deck. Great location just outside of Berlin.

Direct: 410-726-3506

sallytoddrealtor@yahoo.com sallytoddstout.com

YOUR FOREVER AGENT ... Call Today!

OPEN HOUSE SATURDAY 10AM-NOON

REALTOR®

Direct: 410-726 6557

Sdouganrealtor@yahoo.com

121 MAPLE DR • BERLIN

4 bed 2 bath home with attached garage. Walk to downtown Berlin. MLS# MDWO2041320

$349,000

NEW INCREDIBLE PRICE at RIVER RUN!

41 HINGHAM LN • OCEAN PINES

1644 SQ feet w/ 3 beds, 2.5 baths and office/flex space 2-car attached garage and 3 season room. 1st floor owner’s suite. MLS# MDWO2041830

$419,900

INCREDIBLE CONDO at HARBOUR ISLAND

RIVER RUN CUSTOM HOME

TWO BUIL DUDES DER S

Licensed in MD & DE

Sandy Dougan

$519,900

W NE ING! T LIS

NOW $599,000

HOME of THE WHITE MARLIN OPEN!

Well-maintained home in amenity-rich community. 1st floor has 10’ & vaulted ceilings. Double fireplace connects living areas. 1st floor primary BR ensuite BA soaking tub & walk-in closet + 2nd BR & full hall BA. 2nd floor BR full BA. Kitchen SS appliances. Formal living & dining areas. Rear yard patio. Short drive to beach, restaurants & historic Berlin’s shops & events.

1 COLUMBIA AVE • THE PARKE • OCEAN PINES DESIRABLE PREMIER 55+ COMMUNITY

G MIN CO OON S

ICE N PR CTIO DU E R

Sally Todd Stout

3 BR, 3 BA HOME with DOUBLE FIREPLACE

403 14 STREET UNIT 13 OCEAN CITY 3 BR + BONUS SPACE, 3.5 BA TOWNHOME BEAUTIFUL RENOVATIONS & IMPROVEMENTS BOAT SLIP OPTIONS AVAILABLE TH

NOW $1,249,000

ESQUE PICTURWS! VIE

DECEMBER ‘26-JANUARY ‘27 COMPLETION!

12021 RIVER RUN LANE ON WINDMILL CREEK 5 BR, 3.5 BA 3,200 SF HOME

PRICE NOW $1,069,000

401 S 14TH STREET UNIT 4 OCEAN CITY

2 BR, 2.5 BA 1,206 SF CONDO BOAT SLIP OPTIONS AVAILABLE

NOW $739,900

UDES TWO D ERS BUILD

LOT 166 RIVER RUN LANE AT #10 TEE BOX 4BR, 3BA

$985,000

Buying or Selling? Call The Pros To Know

Debbie Bennington

at Berkshire Hathaway HomeServices PenFed Realty BHHS Luxury Home Collection Specialists

OCEAN PINES

Debbennington4@gmail.com 410-603-8065 3 BR, 2 BA HOME on PRIVATE LOT

EL EV 1-LIVING L

63 CHATHAM COURT • THE PARKE OCEAN PINES PREMIER 55+ ACTIVE ADULT COMMUNITY

$499,000

• Beautifully maintained Royal Tern model home. • Freshly painted interiors, hardwood floors & ceramic tile • Dining room built-in cabinets & Office has built-in storage. • Upgraded kitchen: cabinets with pull-outs, granite counters, newer appliances 2020 & 6 pendant lights. • Sunroom double-sided fireplace & access to rear deck with awning. • Primary suite has painted ceiling artwork, hardwood floors & walk-in closets with custom closet organizers. • Primary BA spa-style jetted tub, double-sink vanity & space to unwind. • Laundry room with front-load washer/dryer & laundry tub. • Oversized garage with 4’ extension, storage shelving & extra refrigerator. • HVAC improvements: new AC system & furnace 2024 & home dehumidifier. • Energy efficient solar panels help reduce utility costs. • Ideal blend of privacy, convenience, community & coastal living.

LET ME FIND THE HOME OF YOUR DREAMS! CALL FOR YOUR PRIVATE SHOWING! DECORATOR-DESIGNED 2 BR, 2 BA HOME WOODED RETREAT!

ICE N PR CTIO U D RE

6 BRIARCREST DRIVE NORTH GATE OCEAN PINES

$379,000

• Charming, lovingly cared-for, 1-owner home in safe, desirable community. • Minutes to Ocean City, Rehoboth & Assateague beaches, dining & entertainment. • Nearby medical facilities, schools, yacht club & golf course. • Spacious loft can be converted to 3rd BR, office, or flex space. • Great Room cathedral ceilings, wood beams, wood-burning stove & wraparound deck access from double sliders. • Laminate hardwood flooring throughout main living areas. • Tiled kitchen has SS refrigerator. • 1st-floor BR slider leads to vinyl-tech enclosed screened porch. • Outdoor shower, storage shed & U-shaped driveway. • Major updates: Roof & HVAC system approx. 5 years old. • Pull down attic stairs & encapsulated crawl space.

LIVE the COASTAL DREAM in this WATERFRONT 2 BR, 2 BA HOME

NT FRO TER A W

38 PINTAIL DRIVE PINTAIL ISLE • OCEAN PINES

NOW $749,000

• Canal & bay views plus boating from private dock. • Remodeled kitchen: granite counters, SS appliances & cabinets. • 3-season room’s windows bring in the outdoors. • Oversized deck for dining, entertaining, or relaxing. • Spacious primary suite newer walk-in tiled shower. • Freshly painted throughout & new BR carpets. • New laminate kitchen, great room & 1st level family room floors. • 1st level family room could be 3rd BR. • Oversized 2-car garage has storage & workroom. • Oversized driveway for guests, boats & coastal toys. • Energy-efficient central oil-fired hot-water heat. • Move-in ready & roof is only 4 years old!

©2026 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire HomesServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. Equal Housing Opportunity.

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

NOVEMBER 2026

5000 Coastal Hwy. Ocean City MD 21842 410-524-7000

9748 Stephen Decatur Hwy. #109 West Ocean City MD 21842 410-520-2600

PAGE 9

11001 Manklin Meadows Lane Ocean Pines MD 21811 410-208-3500

~ Warren Buffett, chairman and CEO, Berkshire Hathaway Inc.

WATERFRONT TOWNHOME with BOAT SLIP, JET SKI & 10K LBS BOAT LIFT

Ed Balcerzak, Jr. Associate Broker, REALTOR®, ABR, CRS, GRI

Direct: 443-497-4746 opsales@comccast.net

13031 HAYES AVE UNIT 9 NW OCEAN CITY

NEW

REALTOR®, ABR, CRS, GRI

Direct: 410-430-9988 Cindy@OCconnection.com OCConnection.com

Be Picky, Call Mickey!

Mickey Lobb Realtor®, GRI

Licensed in MD

Direct: 443-880-2064

mickey.lobb@penfedrealty.com mickeylobb.penfedrealty.com

12514 WHISPERING WOODS DRIVE WEST OCEAN CITY

• Well-maintained 4 BR, 3 BA + bonus room & office • Great location w/private wooded setting • New Quartz kitchen counter & walk-in pantry • Beautiful remodeled primary bath • Fenced back yard, rear deck & hot tub

NOW $739,900

7 PORTSIDE COURT OCEAN PINES

• 3 BR, 2 BA on quiet cul-de-sac. • Private canal dock & access to open water. • Granite kitchen counters & SS appliances. • Sunroom, rear deck & attached workshop. • Sold partially furnished. • Amenity-rich community.

$599,900

NEW

CE PRI

10 JOCKEY COURT TRIPLE CROWN ESTATES | OCEAN PINES

• 5 BR, 3.5 BA + Bonus Room • Two Spacious Primary Suites • 2 Bedrooms Conveniently Located on 1st Floor • Open Floorplan & Beam- Accented Vaulted Ceilings

NOW $799,900

4 BR, 3 BA HOME & MOTIVATED SELLER! 3 BR, 2 BA HOME WITH LOFT Spacious Sandpiper model 4 BR, 3 BA Well-maintained contemporary home CE home in 55+ community of The Parke tucked away in the heart of Sherwood P RRI O P D in Ocean Pines. Lots of upgrades inThis 3BR, 2BA home with a loft comes clude new roof, HVAC system, Leaf partially furnished and features numerous Filter gutter guards, gas hot water upgrades, including a new heat pump, heater, washer/dryer, Pella windows, electric hot water heater, newer roof, new skylights, Silestone counters, LVP in siding, and a front deck with an awning. Kitchen & new LG refrigerator. Enjoy Inside, enjoy Silestone countertops, SS added privacy & natural surroundings apps, plus a beautifully updated bathwith all-season porch overlooking priroom with a walk-in shower, vanity & LVP vate back yard. Well-maintained propflooring. Outside, you'll find an enclosed erty ready for its next owners. outdoor shower, paved driveway, and a 7 LONG POINT CT • THE PARKE 17 KING RICHARD RD Motivated seller says: Make this your SHERWOOD FOREST • OCEAN PINES shed with electric - perfect for storage or OCEAN PINES next home in Ocean Pines! projects. Make this your next home! NOW $525,000 $379,900

OCEAN BLOCK 4 BR, 2 BA CONDO

Opening Doors Taylor'd to You....

NG ISTI

$275,000

NEW CONSTRUCTION

WATERFRONT LIVING

Sold fully furnished, the 931 SF Condo was built in1940 & is located in the heart of downtown Ocean City. Open floorplan kitchen, living & dining area. Tile flooring throughout. Private balcony. Short walk to beach, boardwalk, 3rd Street playground & Town of OC seasonal events. Nearby schools include OC Elementary, Berlin Intermediate, Stephen Decatur Middle & Stephen Decatur High.

404 SAINT LOUIS AVE UNIT 13 PARROT BAY • OCEAN CITY

$520,000

PEACEFUL WOODED SETTING E RIC WP

Cindy Poremski

3 BR, 1 BA CONDO with POOL

Beautifully updated open floor plan 3 BR, 2.5 BA home in highly desirable location with NO Town of OC Taxes! Kitchen white cabinets, granite counters, SS appliances & breakfast bar. Sliders to new composite deck overlooks canal. Easy access to open bay for fishing, waterskiing, crabbing, tubing, swimming, or waterfront dining. Upstairs primary suite w/ensuite BA, 2 BRs & guest BA.

ED IVAT MOTELLER S

18 41ST STREET UNIT 103 OCEAN CITY

REFRESHED 3 BR, 2 BA RANCH-STYLE HOME ! 36 FAIRWAY LANE ING OCEAN PINES LIST NEW • Comfortable & functional

REFRESHED 3 BR, 2 BA RANCH-STYLE HOME

$459,000

$495,000

105 TAIL of the FOX DRIVE OCEAN PINES

home with new roof, carpet • Spacious home with & fresh paint. approx.1,980 SF of living • Fully renovated • Open flow to living, dining space. 2024 with modern & kitchen areas. • 2 Primary Suites; 1 has 2 finishes. • Single-level home with sky closets. • Open living & lights. • Cathedral ceilings & new flooring. dining areas & • Cozy gas fireplace in main living space. • New refrigerator & center island with storage & cooking space. oversized balcony. • Primary suite walk-in closet & private BA. • Lovely porch to enjoy the surroundings. • Kitchen quartz counters & SS appliances. • Screened porch & deck. • Attached garage, storage shed, new washer & dryer. • Primary suite custom-tiled BA. • Attached 2-car garage & concrete driveway for lots of parking & storage. • Amenities: pools, parks, playgrounds, golf, marinas, walking REALTOR® • Pool, elevator, assigned parking & secure storage. • Amenities: pools, parks, sports courts, walking & biking trails, & biking trails + more! Direct: (410) 952-2940 • Near Convention Center, restaurants & beach. golf, marinas, Beach Club with pool & parking in Ocean City • Neutral paint for backdrop to fit any style This home is ready to welcome its next owners. This home is ready to welcome its next owners. Taylor.Fowlkes@Penfedrealty.Com • Standout retreat, great investment & rental history.

Taylor M. Fowlkes

NOW $648,900

4 BR | 3.5 BA in GATED GOLF & WATERFRONT COMMUNITY

CASTING HOMES

Mechelle Nichols

Do you have a stunning home that’s ready to SELL? Properties would be featured on NATIONAL TELEVISION – including exclusive spotlight on the Travel Channel! Contact me for details.

REALTOR® Licensed in MD & DE

Direct: 410-430-1575

mnichols@luxuryshoreliving.com www.luxuryshoreliving.com

Amy Coy Ocean Pines

TOP LISTINGS Carol Katie Proctor Quinn Ocean City West

Ocean City

11635 MAID AT ARMS LANE • WEST OC / BERLIN 2 MAIN LEVEL BEDROOM SUITES

SEPTEMBER Sherry Waskey

Joyce M Husman

Laurel

Ocean Pines

TOP CONTRACTS John Kim Wells Heaney

Ocean City West

Ocean City

Pam Price

Margo Sarbanes

TOP SETTLEMENTS Celeste Carol Dodson Proctor

Laurel

Ocean Pines

Ocean City West

Ocean City

Pam Price Laurel

PAGE 10

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

NOVEMBER 2026

Photo far left: Pictured (L to R) are Kate Deckenback, Michelle Macia, Mac McGraw and Bilonna Dilling with the Coastal Association of Realtors. Veronica Bishop photo. Photo near left: Realtors collected food and backpacks in a community event in Berlin. Veronica Bishop photo. SUBMITTED PHOTO/OC TODAY-DISPATCH

CAR fills up car with networking food drive The Coastal Association of Realtors (CAR) demonstrated the power of community collaboration during its Networking for a Cause Backpack Food Drive, held Oct. 13, at CounterClox in downtown Berlin. Members and supporters came together for an evening of networking, generosity, and community service, collecting enough nonperishable food donations to fill a car and help provide meals for local children in need. The event was organized by the CAR Membership Networking Committee, co-chaired by Kate Deckenback and Pilar Burton, as part of the association’s commitment to creating meaningful opportunities for members to connect while giving back to

the communities they serve. Committee member Michelle Macia played an instrumental role in identifying the charitable organization in need of food donations, helping turn a networking opportunity into a community outreach initiative benefiting local children. Attendees were encouraged to bring prepackaged, nonperishable food items suitable for children to prepare and enjoy independently, without refrigeration or cooking. The overwhelming response demonstrated the generosity and compassion of CAR members, who arrived ready to make a difference. The Coastal Realtors Foundation supports charitable initiatives and

nonprofit organizations serving Worcester, Wicomico, and Somerset counties, helping strengthen the communities where CAR members live and work. “The success of this event is a wonderful reminder that Realtors do more than help people find homes. They are neighbors, volunteers, and advocates who genuinely care about the well-being of their communities,” said Terrence McGowan, President of the Coastal Association of Realtors. “When our members come together for a cause, especially one that supports local children, their generosity speaks volumes.” CAR extends its sincere appreciation to the Networking Committee,

particularly co-chairs Kate Deckenbach and Pilar Burton and committee member Michelle Macia, for their leadership and dedication in planning the event. Special thanks go to CounterClox for hosting the gathering, the event sponsors for their support, and every member and guest who attended and contributed food donations. CAR also recognizes Gussie Sholtis for her generous raffle contribution. The association looks forward to continuing its Networking for a Cause initiatives, combining professional connections with opportunities to make a lasting, positive impact throughout Maryland’s Lower Eastern Shore.

NOVEMBER 2026

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

PAGE 11

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

PAGE 12

Don’t Overpay For Your Mortgage Bankrate compared 3.2 million loans against the lowest rates available in our marketplace at the time to measure the scale of mortgage overpayments. We found mortgage overpayment is a widespread issue across the country: 87% of borrowers overpay for their home loans, regardless of their credit score, income or where they live. The borrowers most likely to overpay are conventional loan holders, middleto-upper-income earners ($100,000 to $199,000), those with lighter debt loads and refinancers over 55. Our research finds that they’re losing thousands of dollars every year to inflated mortgage costs. It stems from a common scenario among mortgage borrowers: failing to shop around. Nearly half of buyers consider only one lender, according to a 2025 National Survey of Mortgage Originations. If you’re planning to buy, you can avoid overpaying by comparing mortgage rates and negotiating with your preferred lender if you see a lower offer, according to Joel Berner, a senior economist at Realtor.com. “If you don’t, you can find yourself overpaying,” he says. If you’re already a homeowner, you may be able to save money by refinancing if rates drop in the future — as long as you can avoid the costly mistakes of other borrowers. Bankrate’s research shows that bor-

rowers with less debt, higher earners and conventional loan holders overpay at the highest rates because they typically fall into at least one of three common traps: failing to compare lenders, relying solely on a lender referral from a real estate agent or sticking with a previous lender out of loyalty or convenience. They may feel less pressure to hunt for deals than borrowers who feel more financially pinched. Refinancers, particularly those who are 55 and older, are hit just as hard by mortgage overpayments – even without the pressure of a tight closing deadline. Bombarded by lenders eager for business amid slowing demand, most choose the easy route and stick with their current lender. That convenience comes at a price, costing them nearly $2,400 a year. One quick data caveat: Expect some overlap across these groups. Federal Reserve research finds a moderate correlation between higher incomes and stronger credit scores, and high earners and creditworthy borrowers are more likely to opt for conventional loans. Lower-income buyers, on the other hand, are more likely to turn to FHA loans for their flexible credit rules and lower down payments. Higher-income borrowers Making a comfortable income doesn’t mean you’re automatically offered a competitive mortgage rate. Households

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7420 RICHARDSON STREET WILLARDS, MD

Fully permitted duplex in Town. Each level has 3 bedrooms and 1 full bath. Completely renovated and ready for you! Great location near schools. You could live in one and rent the other! 15 minutes to OC Beaches, 10 minutes from town of Berlin & short drive into Salisbury. Don’t miss it, now at a great $399,900 price of $399,900

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36392 HEARN STREET WILLARDS, MD

Mobile in the small town of Willards to rehab & live or build your own new home. Being sold as is - no appliances/no HVAC. Fix up and use as rental or tear down and build!! Subdivision process complete.

80,000

BUSINESS PROPERTY with SINGLE-FAMILY HOME

37107 HUDSON ROAD / LIGHTHOUSE ROAD SELBYVILLE, DE

FOR SALE: Unique property at corner of Hudson Rd/Lighthouse Rd presents an incredible investment opportunity, featuring a substantial lot size of 0.97 acres. REASONABLE OFFERS WILL BE CONSIDERED! Located here is a SFH, Detached Garage, Large Pole Barn, and a Mechanic Shop with a 5 Ton Lift. Run a Business & rent out the house!! So many possibilities! Contact list agent with any questions.

HUGE PRICE REDUCTION!

sandy dougan REALTOR®, Licensed in MD & DE

NOW $1,149,000

Contact Me Today! 410.726.6557 Sdouganrealtor@yahoo.com

11001 Manklin Meadows Lane • Ocean Pines MD 21811 410.208.3500 Office

earning $100,000 to $199,000 have a 90% likelihood of overpaying for their mortgage — the highest rate of any income bracket. Upper-income earners ($200,000 to $500,000) aren’t far behind, at an 89% overpayment rate, while lower-income buyers (under $50,000) fare better at 82%. Over the life of a mortgage, that adds up. Six-figure earners pay between $82,323 and $192,626, on average, in excess fees and interest over a 30-year mortgage. Housing experts say these differences likely come down to shopping habits. Lower-income buyers may be shopping around aggressively out of necessity and a fear of getting denied. Higher earners, however, may be prioritizing convenience and heavily relying on real estate agent referrals and trusting in their current bank. “People who don’t shop likely have an existing [lender] relationship or have the income to where a small difference in the mortgage rate really doesn’t mean that much to them,” Berner says. Borrowers with lower debt-toincome ratios Borrowers with less debt, or healthier cash flow, are more likely to overpay – with 92% of them locking in above-market rates. Mortgage overpayment costs borrowers with lower debt-to-income ratios (defined as 33.1% to 38% of

NOVEMBER 2026

monthly income going toward debt) an extra $3,876 every year on average. For borrowers with lower DTIs, getting approved may feel like a more sure thing and, in turn, they may feel less urgency to compare offers. What debt-to-income ratio do you need for a mortgage? Lenders usually stick to the 28/36 rule, capping your housing costs at 28% of your income and total debt at 36%. If you have a lot of cash reserves, it can push that ceiling up to 50%, but keeping your debt low is still the easiest way to qualify and potentially score a lower rate. High-debt borrowers (DTIs between 45.1% and 65%) overpay 85% of the time, compared to the 91% to 92% of borrowers with lighter debt loads. This isn’t because higher-debt applicants snag better interest rates. Rather, they more often secure the best rate available for their risk tier, which keeps their chances of overpaying a little lower. “It’s completely plausible that they request more quotes as opposed to someone who is super prime and is probably going to get a reasonable quote at the first place they call,” says Alexei Alexandrov, a mortgage industry researcher and former chief economist of the Federal Housing Finance Agency. Conventional loan borrowers Nearly 70% of buyers choose conventional mortgages, according to a 2026 report from the National Association of Realtors. But borrowers who opt for this type of mortgage are also more likely to overpay, Bankrate’s research finds. Conventional loan borrowers are

NOVEMBER 2026

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

PAGE 13

Strong credit earns a good rate slightly more likely to overpay for their loans compared to the general population (89% versus 87%), spending nearly a quarter (23%) of their loan total on unnecessary rates and fees over time. That’s significantly higher than FHA borrowers (83% overpay, losing 17%) or VA borrowers (81% overpay, losing 18%). Housing experts say the gap comes down to who each loan program is designed for, how those borrowers behave and how each program prices risk. Buyers on tighter budgets have the least financial room to absorb inflated costs, giving them every reason to shop around for their mortgage. Buyers with lower incomes, less wealth and lower credit scores are also more likely to opt for FHA or VA loans because of their flexible credit and down payment rules, according to the Urban Institute. Unlike conventional loans, government-backed loans are exempt from risk-based fees known as loan-level price adjustments (LLPA). That means interest rates are more uniform for government-backed loans, though they still come with their own costs (mortgage insurance premiums and the VA funding fee). “Rates will vary across different mortgage companies, but within the same lender, there is no reason they should charge you more for a 645 credit score versus an 800 [for an FHA loan],” Alexandrov says, referring to government loans’ exemption from LLPAs. Conventional loans work differently. Their risk-based pricing trigger fees based on credit score, debt-to-income ratio, property type and down payment. Lenders tend to pass those costs to buyers as higher interest rates. So while a solid credit score will save you money on any mortgage, it plays an even bigger role if you’re opting for a conventional mortgage. Pre-retirement refinancers Millions of homeowners refinanced between 2022 and 2025, and the majority of them (79%) overpaid for that refinance. Refinancers 55 and older overpay at a slightly higher rate (81%) — a problem magnified by the fact that older adults now make up the majority of American homeowners. In theory, refinancing should come with a bit more breathing room than buying a home. You don’t have to jump on the perfect house, so you can set your own timeline, shop around for multiple quotes and push back on an initial rate. Yet older borrowers often stick with their current lender and don’t comparison shop, according to housing experts. “If I had to guess, a bunch of people who are refinancing are just refinancing with their current lender or servicer, and they don’t even think about it twice,” Alexandrov says. “So, from that perspective, I would expect them to shop less.” When asked what matters when picking a mortgage, nearly 6 in 10 buyers said having a prior relationship with the

lender was important, according to a 2025 National Survey of Mortgage Originations. That loyalty often comes with a significant price tag, especially when lenders and mortgage brokers count on long-time customers not pushing back. Older refinancers’ shopping behaviors can be especially influenced by aggressive sales tactics, according to Bankrate’s watchdog reporting. After speaking with more than a dozen loan officers, Bankrate found a consistent pattern: Older refinancers are often targeted by mortgage professionals using deeply personal sales tactics to coax them into expensive deals. “Being a full-commission loan officer, you’re just so driven to, ‘How can I get these deals closed? How can I take a deal from another loan officer?,” said Loretta Cetkovic, a loan officer who has worked for a retail lender, a bank and a brokerage during her career. “And how do I find the kind of loopholes that are going to let me close this deal?’” 1. Shop with at least three lenders. Most buyers accept the first rate they are offered, often out of habit or convenience with their bank. But interest rates and fees vary significantly from one lender to the next. Gathering at least three preapprovals from a mix of lenders – like a commercial bank, a credit union and an online lender – is the only reliable way to know what the market can actually offer you. Be sure to request your preapprovals on the same day for the exact same loan type to get an accurate comparison. As long as you cluster your preapprovals within 14 to 45 days, credit bureaus will treat them as a single inquiry, according to the Consumer Financial Protection Bureau. 2. Look past the advertised interest rate The annual percentage rate factors in most loan-related costs, giving you a full view of what you’re actually paying. With mortgage rates elevated, watch out for quotes that sit well below national averages – there’s usually fine print requiring you to buy discount points upfront to get that rate. If a mortgage rate looks too good to be true, it likely is. 3. Consider refinancing if rates drop Refinancing isn’t free; closing costs usually run between 2% and 5% of the total loan balance, even on deals marketed as having no-closing-cost. To figure out if a refinance makes sense, divide your total closing costs by your expected monthly savings to find your break-even point in months. Your break-even point (in months) = closing costs ÷ monthly savings If you won’t stay in the home long enough to recover those upfront costs – ideally within 18 to 24 months – a refinance won’t pay off. And watch out for the clock reset: refinancing into a new 30-year term lowers your payment partly because you’re stretching the loan out longer.

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In his 25-plus years' experience, Eugene knows what is important for his clients. Contact Eugene to discuss the Level of Reserve Study that is most appropriate for the goals of your community.

START YOUR COMPLETE, COMPREHENSIVE ANALYSIS TODAY! Our financial insight will help your association make informed financial decisions to protect your valuable assets. EUGENE JUBBER RESERVEDMV@GMAIL.COM VISIT US AT WWW.RESERVEDMV.COM 410.390.2251

PAGE 14

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS /OC TODAY-DISPATCH

Seasons, schools influence the best time to sell a home Identifying the optimal time to sell a home involves careful consideration of seasonal trends, market conditions and shifting economic indicators. Home equity represents the largest component of personal wealth for most households, and miscalculating the market by even a few days or weeks can result in a substantial financial loss. Although there is no perfect moment to sell a home, the National Association of Realtors indicates data-driven insights can help maximize profits and minimize stress. The following are some factors that can determine the most advantageous time to sell a home. • The seasons are a strong influencer. According to a Realtor.com analysis of trends from 2018 to 2025, spring consistently is the strongest period for sellers. Mid-spring is a popular time to list a home because it brings higher buyer demand and lower competition. • The school year matters. Families looking to move will want to get into their new homes before the school year starts. The summer is a peak time for home sales, particularly when buyers can close on properties and move in before the kids start classes. The NAR says homes sell fastest in spring and summer, often in 31 to 35 days, with sales rising through June.

• Timing is localized, too. Some markets do not follow the typical seasonal trajectory. For example, home sales in San Jose, Calif., peak during the first two weeks of February, according to Zillow. The Silicon Valley market and surrounding areas feature chronically low inventory, so this early selling window allows sellers to capture highly motivated buyers. Other markets around the country challenge conventional wisdom as well, and relying on a knowledgeable real estate profession can help sellers list at the best time in their markets. • Financial and market factors play roles. Market conditions will often matter more than the calendar when it comes to the real estate market. The NAR forecasted a 14 percent increase in existing home sales for 2026 due mortgage rate stabilization and an increase in inventory. Sellers benefit most when inventory is tight and buyer demand is solid. Zillow says 78 percent of sellers cite major changes like job relocation, family size shifts or lifestyle needs as driving decisions to move and buy. Ultimately the right time to sell a home is when personal needs coordinate with reasonable market strength. Analysis of local data and reliance on local professionals can help homeowners sell on their terms.

NOVEMBER 2026

COASTAL ASSOCIATION OF REALTORS

REAL ESTATE GUIDE 2026-2027 PUBLISHING SCHEDULE

DECEMBER ISSUE

MARCH 2027 ISSUE

November 27th

March 19th

JANUARY 2027 ISSUE

APRIL-MAY 2027 ISSUE

THANKSGIVING WEEKEND

ST PATRICK’S PARADE WEEKEND

NEW YEARS WEEKEND

SPRINGFEST WEEKEND

January 1

April 23rd

FEBRUARY 2027 ISSUE

JUNE 2027 ISSUE

BOAT SHOW, VALENTINE’S, PRESIDENT’S DAY WEEKEND February 12th

MEMORIAL WEEKEND May 21st

JULY 2027 ISSUE INDEPENDENCE DAY WEEKEND July 2nd

Dates are listed as the Friday Publishing Date of Paper Dates are subject to change

Coastal Association Affiliate Members A2Z Inspection Services Daniel Wine

Coastal Real Producers Colleen Rippey

Atlantic Exposure, LLC Krista Valliant

Community Title Network Danielle Dennis Steve Greenwood

Authority Inspections John James Bartlett Tree Experts Michael Nerud Bay Acquisitions Inc Harry Hammel III Bay Capital Mortgage Connor Saulsbury Black Oak Title, LLC Trisha Seitz Blackwater Home Inspections Bradley Delbridge Howard Alperstein Daniel Morris

Greater OC Chamber of Commerce Olive Mawyer

CrossCountry Mortgage, Inc. Susanne Montague Martha Pfeiffer Meghan Shockley

Guaranteed Rate Affinity Paul Soule

DeChant Appraisals & Realty Srv Michael P. DeChant Deeley Insurance Group Laura Bren Jill Gormley Delmarva Appraisals LLC Beverly Wilson Direct Mortgage Loans-Philldephia Ave Billy Apostolou Tom Ford Ashley Turbutt

Bright Title and Settlement Services, LLC Sam Greenfeld Daniel Erb

Eastern Title and Settlement Josh Greene Kathleen Taylor

Capturing Horizons Ashlyn McGuigan Cardinal Settlements Matt Chance Mac McGraw CK Capital Management Corp Bill McCormick CMG Home Loans Shawn Hunt Aaron Jones Samuel Kotzur Coastal Law Office, LLC Peter Buas Coastal Lending Team of Luminate Bank Michelle Watts Macia

Goosehead Insurance Melissa Geeslin

D3 Corp John Gehrig

Brennan Title Company John Brennan Peter McGough Chuck Youngbar

Capitol Title Kathy Burton Maura Burton Pilar Burton

Fogle’s Water Treatment & Well Services – Delmarva Division Jennifer Dawicki

Elite Valuations, Inc Kathleen Hoffman Stephanie Rinck Embrace Home Loans Jason Cook Fairly Dave Vincent Finley Appraisals Gary Finley First Shore Federal S & L Susan Vincent Anthony Hall Randy Merritt Jr Karla Shenk Ed Henderson Diane Turner Jennifer Johnson Christina Fuller Ray Perdue Paula Brown

High Tech Home Inspections Scott Donnelly

Movement Mortgage - Ocean City Joe Brach Liz Buckley Justin Kozera Kenneth Lee Kenny Parr Jason Shoff Pam Rocco Movement Mortgage - Salisbury Hope Morgan Patrick Clark Hamilton Morgan

River Run Hunt Crosby RTI-Solutions Stephen Gladwin Safe Haven Home and Property Watch Nick Davidson Sage Title Group, LLC Jennifer Thompson Salisbury Neighborhood Housing Cheryl Meadows

Nock Insurance Agency, Inc. Emily Nock

Seagull Disposal Andrew Duley

OC Real Estate Services, Inc. William O’Donnell

Shore United Bank Rene Adkins

Oracle Home Inspection Paul Vaillancourt

Shorlock Home Inspections, LLC Jay Aydelotte Cody Aydelotte

L.O.H Drone Services Laird Grinnell

Osprey Title & Escrow Devin Holland Caitlyn MacWha

Superior Appraisal Service Carrie Brown

L Turner Appraisals LeRoy Turner

Payneless Financial Services with Edge Allen Payne

Lakeside Title Company Diana Dovel Neely James

Presidential Bank Mortgage Mike Bradley Terry Kernan

Landmark Insurance – Financial Group Colleen Nichols

PrimeLending Rod Flowers

House Master Alan Hoffman House of Townsend Veronica Townsend Integrity Appraisals Karen Vara

Marr Appraisals Inc Kenneth Marr Elizabeth Filgueras Maryland Department of Housing and Community Development Maddy Ciulu Maryland Title Service Karen Graham Chrissy Roberts Gina Williams

Pro-Spect Inspection Services Nicholas Strayer Connor Clevenger Tyler Eck Jonathan Fourquet-Laboy Bradly King Kevin Klakring (Sean) Bilonna Dilling

T & G Builders, Inc John Rego The Gold Standard Inspection Company Todd Williams The Mortgage Link, Inc Chrissy Summers Tidemark FCU Edward Horan To the Max Junk Removal Max Sieg VueStay Vacations Kelly Grube Marsha Cooper Rob Beasley

R.E. Appraisal Service Ryan Ellerman

Wertz Construction & Inspection Lewis Wertz

Mid-Atlantic Settlement Services Susan Lloyd

Realty Exchange Corporation William Horan

Whitecap Mortgage Delmarva Jocelyn Succarotte

MillerDodson Associates, Inc. Peter Miller

Reserve Studies of Delmarva, LLC Eugene Jubber

Whitehead Rental Management Austin Whitehead

NOVEMBER 2026

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

PAGE 15

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PAGE 16

REAL ESTATE RESOURCE: COASTAL ASSOCIATION OF REALTORS/OC TODAY-DISPATCH

NOVEMBER 2026

Celebrate Sunfest

Full Service Real Estate Settlements Serving the Resort Area since 1989

Phone: 410-723-2000

contact

Chrissy Roberts

Chrissy@beachsettlements.com

Gina Williams

Gina@beachsettlements.com

11500 Coastal Hwy. #7 • Ocean City, Maryland 21842