Cheryl Fleming - RE/MAX Executive Realty



253 Riverlin, Millbury, MA 01527

Single-Family

$292,500
Price

7
Rooms
4
Beds
1/1
Full/Half Baths
This fully dormered traditional 4 bdrm cape has plenty of room for the whole family! As you enter this home a convenient cozy nostalgic pine wood mud room offers additional space for relaxing. The eat-in kitchen has a bright new ceramic tile floor. The family room has a trio of windows offering ample natural light. Lovely original natural wood work throughout the house is in wonderful condition. Detailed swirled pattern ceilings add extra charm to this home. Hardwood floors are located on first and second floor. Huge bedrooms on second floor. New carpet runner on stairs. Updated windows, hot water tank, 2016, oil tank replaced 2015. This property is in a prime commuter location minutes to the Commuter train, Mass Pike, Route 20, 290 and 146.
Open House
No scheduled Open Houses

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Home values continue to rise. Many people use their home equity in order to get a bit more financial security. The home equity line of credit can have many different benefits for you. From home improvement projects to a much-needed vacation, you can get the funds that you need for whatever you wish. Turn to your home equity with some careful thought, however. You could end up owing more than your home is worth, which defeats the purpose of tapping into your home equity to begin with. 


Make Your Decision Smart


Your home equity can be a good thing to tap in to if you’re not planning on spending like crazy. Maybe you just want a little extra cash on hand for emergencies. You’ll be prepared for anything unexpected. This could be a smarter decision than just blowing a bunch of money on a vacation, for example. 


Some smart things that you can use your home equity for include:


  • Home renovations
  • Emergency funds
  • College education funds
  • Cash advance


These ideas are investments that can help you to achieve other goals. You should be sure that you’re able to pay the money back. These projects or financial endeavors are much more suited to smart spending than just randomly spending money, buying a car, or other things that will put you in serious debt.


Home Equity Fluctuates


As the market changes, the amount of home equity that you’ll have to tap into does as well. The state of the housing market can actually dictate to you how much money you’ll be able to get. If the market isn’t good, you could end up in the negative financially, so do your research. 


How To Get Your Home Equity


There are a few ways that you can draw from your home’s equity. The first rule that you should understand is that you cannot borrow more than 80% of what your home is worth. Take a full remortgage your home, giving you the full 80% amount that your home is worth in order to take a lump sum. Alternatively, you can take a cash-out refinance where you set the amount of money you’d like to take out of your home’s equity as you refinance the home. You can also take out what’s called a “home equity line of credit,” which allows you to use the amount of your home’s worth as a credit card of sorts. You borrow money as you need it.     


The biggest issue with refinancing is that of planning. It’s important to know why you’re refinancing and what you’re planning on doing with the money. Used wisely, home equity can really be a great financial tool.



9 Deernolm St, Grafton, MA 01536

North Grafton

Single-Family

$294,900
Price

7
Rooms
3
Beds
2
Baths
This vintage Cape Cod home is loaded with charm and personality. Featured in this home is a classic white kitchen with original hardware and original light fixtures. The dining room has two built in china cabinets. Lovely arches add architectural detail to this classic style home. The family room has a light and bright picture window and masonry fireplace great for those chilly nights. Also, located on the first floor is a convenient office, bedroom and full bath. This fully dormered cape offers two large bedrooms on the second floor with an additional full bath. Hardwood floors and updated windows throughout. Peerless boiler and hot water tank replaced 2013. A wonderful enclosed porch and recent privacy fence adds enjoyment to this home. This property is in a desirable commuter N. Grafton location minutes to the Mass Pike, Commuter train, Route 146, 290 and 495!
Open House
Sunday
October 01 at 11:00 AM to 1:00 PM
Stop by to take a look at this affordable vintage cape located in this wonderful N. Grafton location minutes to the Mass Pike, Tufts, Commuter train and Route 20, 290 and 146. This house is move in ready with updated windows, hardwoods throughout, fireplace, 2 full baths, garage and sun porch. Great yard with recent fence. Heated basement would make a wonderful playroom!
Cannot make the Open Houses?
Location: 9 Deernolm St, Grafton, MA 01536    Get Directions

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Old New England homes are rich in history and character. The style of many modern houses in the region is heavily influenced by English colonial homes of the early 1700s. It was in colonial times when lead pigment was first used. By the 1920s lead paint usage was at its peak. The paint was strong, it covered a lot of surface area, and it made vibrant colors, all very appealing to home homeowners at the time. The health hazards of lead paint are many. Although, unlike other home hazards like fire or carbon monoxide, they reveal themselves slowly over many years, making them especially dangerous for children. According to WebMD, high levels of lead paint exposure can cause the following:
  • Damage to the brain and nervous system
  • Kidney damage
  • Behavior and learning problems, such as hyperactivity
  • Slowed growth
  • Poor muscle coordination
  • Hearing problems
  • Headaches
  • Bone marrow problems
Scary stuff, right? But don't panic... Here's what you need to know about detecting and eliminating lead paint in your home. If your house was built before 1978, there's a chance it has lead paint. It was in 1978 that the federal government banned the consumer use of lead paints. Since usage reached its peak in the 1920s, the older your house the higher the likelihood of it having lead paint. This puts old New England homes at greater risk. To test for lead paint you should seek out a licensed inspector. Most state websites have resources for locating an inspector near you (mass.gov for example). Inspection can cost anywhere from $150-$400 and will depend on the size of your home, rates in your area, and other factors. Once tested, you will be given options and a risk assessment and can then decide how you'd like to proceed. Some ill-advised homeowners take the situation into their own hands, scraping paint and mopping up the dust. This is exactly what NOT to do. Dispersing all of those lead particles into the air will contaminate your home and yard, seeping into the ground outside. Many people share anecdotal stories about removing lead paint themselves, insisting, "I did it myself and I'm still alive." It's important to remember, however, that those who are truly at risk are the children who will grow up in that house facing longterm exposure to lead. Young children are particularly vulnerable to lead poisoning for three reasons:
  1. Toddlers tend to put objects into their mouths such as paint chips or other objects that may have traces of lead. This causes a high level of lead absorption
  2. Children's bodies are developing rapidly and absorb lead faster than adults
  3. They can spend decades in a home, developing the symptoms listed above that can then become chronic, lifelong illnesses
To completely remove the lead from your home you'll need to seek out a lead abatement contractor. View the Lead Safe List for your area to find contractors and receive quotes. If you have attempted to remove lead yourself, or performed recent renovations that may have dispersed lead paint and are worried that your children may have been exposed you should bring them to their pediatrician. Testing for high levels of lead can be detected by a simple blood test.  


253 Riverlin, Millbury, MA 01527

Single-Family

$299,500
Price

7
Rooms
4
Beds
1/1
Full/Half Baths
This fully dormered traditional 4 bdrm cape has plenty of room for the whole family! As you enter this home a convenient cozy nostalgic pine wood mud room offers additional space for relaxing. The eat-in kitchen has a bright new ceramic tile floor. The family room has a trio of windows offering ample natural light. Lovely original natural wood work throughout the house is in wonderful condition. Detailed swirled pattern ceilings add extra charm to this home. Hardwood floors are located on first and second floor. Huge bedrooms on second floor. New carpet runner on stairs. Updated windows, hot water tank, 2016, oil tank replaced 2015. This property is in a prime N. Grafton commuter location minutes to the Commuter train, Mass Pike, Route 20, 290 and 146.
Open House
Saturday
September 23 at 10:00 AM to 11:45 AM
This 4 bedroom cape has plenty of room to spread out. Hardwoods throughout, new ceramic tile kitchen. Sun porch and garage. Great Millbury location minutes to the Mass. Pike, Commuter Train, Tufts, Route 146, 290 and 495!
Cannot make the Open Houses?
Location: 253 Riverlin, Millbury, MA 01527    Get Directions

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