Cold weather changes the rhythm of our homes. We shift from open windows and outdoor evenings to warm fireplaces, hot tea, and the satisfying quiet of a winter night. Yet winter requires more than comfort. It asks that we protect what protects us. A thoughtful checklist now prevents emergencies later.
Protect Pipes from a Cold Night
Few things interrupt a peaceful winter evening like a frozen pipe. When water turns to ice, it expands and can burst pipes behind walls or beneath floors. The damage is both expensive and preventable. Insulate exposed pipes in garages and crawl spaces. Keep interior temperatures steady, especially overnight. If you plan to be away, leave the heat set above fifty-five degrees. A winter night is no time for the house to fend for itself.
Ice Dams and Rooflines
Snow on the roof is picturesque until warm air beneath melts it, and it refreezes at the eaves. The ice forms a dam, and water has nowhere to go except beneath shingles. It is the hidden kind of problem that appears in March when ceilings become discolored. Proper attic insulation and ventilation keep temperatures uniform. Clean gutters before the first snowfall, and if heavy snow arrives, use a roof rake from the ground. Let the roof stay cold. That is the goal.
Walkways and Concrete Surfaces
Salt seems like a winter necessity until one remembers that salt breaks down concrete. Over time, it erodes driveways and walkways. The better approach is calcium magnesium acetate or similar products that are kinder to surfaces. The real secret is prompt snow removal. The less ice forms, the less melting product you need.
Doors, Windows, and Storm Doors
Winter air knows how to slip inside. A loose latch or worn weather stripping can make a room feel twenty degrees cooler. Take a moment when you close storm doors. Listen for the latch. Check windows and sliding doors for small gaps that invite drafts. Replace worn seals. Secure latches. These are small details that make a noticeable difference on a January morning.
Fireplaces, Embers, and a Cautionary Note
A winter fireplace is one of life’s quiet luxuries: a chair nearby, a warm beverage, and the comfort of real heat. Yet fireplace ash carries a danger many homeowners underestimate. Hot embers can remain active for hours.
Never dispose of them outdoors or in the yard. A breeze can reignite ash and send embers toward siding, mulch, or wood structures. Always place ashes in a metal container with a lid, kept away from the house, until fully cooled. It is a simple precaution that prevents a house fire while everyone is asleep.
Winter Should Be Enjoyed
The purpose of preparation is not worry. It is confidence. Once the essentials are handled, winter can be what we hope it will be: evenings by the fire, comfort in familiar rituals, and the quiet pleasure of knowing the house is ready.
Here’s to enjoying the season prepared and protected.
This is the season when we spend more time indoors and our doors and windows remain closed for longer periods.
I am deathly allergic and toxic to mold. A three second exposure can make me ill for weeks and even months. I often laugh with my buyer clients that I am the official “mold meter” when we look at houses. There have been times that I detected mold even before opening the front door. I share my experience with my clients, and we leave as quickly as possible. Sick houses can be cleaned. My clients need not be the ones to do that.
Not everyone smells or reacts to mold. I believe that educating my clients is paramount. No sale is worth illness and maladies. I would rather walk away than knowingly let my clients buy into malaise, illness, and even life-threatening accidents. A mold reaction caused me to fall from my horse, breaking my ankle. My life changed. I have not been the same ever since.
While everyone has varying levels of reaction, if any, to mold in a property, it is important to understand how mold develops and where it can grow. It is not always the old basement, although it quite possibly can be. With weather changes and moisture changes, below is a list (not comprehensive but suggestive) where mold can grow:
Window casings and drywall around them
Doors – under sill plates and around the frames on the drywall
Under sink base cabinets
Under dishwashers
Under washing machines
Under HVAC condensate lines
Inside HVAC air handlers
Behind and under refrigerators (even those without water sources)
Bathrooms
Basements – under floors, wall bases, even ceilings
Your car!!
What can you do to prevent mold from taking root in your home or car?
Inspect window caulking regularly – recaulk as needed
Check door sill plates – especially at decks and patios
Look under sinks – look for evidence of moisture – attack and remediate
Look under your dishwasher for evidence of water and mold signs
Look under and behind washing machines
Have your HVAC serviced and inspected semi-annually – ask your tech to look for evidence of leakage and mold
Pull your refrigerator out – inspect the floor
Run the exhaust fan in your bathrooms while showering to prevent condensation build-up
Confirm that bathroom exhaust fans are operating properly
Change the air filter in your car
Keep all HVAC filters clean
Here are a few unsettling facts that I recently discovered:
Drywall in its manufacturing process has imbedded mold spores
Mold loves drywall. That is why after a water incursion event, mold grows on drywall very quickly.
New home construction can “build-in” mold during the construction process by allowing materials to get wet.
Your car’s trunk gasket can be allowing water incursion and harboring mold
Your car’s air filter can get damaged by mice – their deposits can sprout mold
Your car’s AC can leak into your dash – mold can sprout
These lists are just a few of the mold issues that can develop over time or quickly.
Mold has been associated with chronic fatigue syndrome, headaches, upper respiratory ailments, even ‘colds’ could be reactions to mold. Do not be lulled into security by a ‘new house.’
Last year, I walked through our basement bedroom for a split second. That was long enough for me to get sick. It lasted through January. Where was the mold? Our basement bath exhaust fan had stopped exhausting but sounded to be running just fine. My husband likes the shower there. The moisture from the shower traveled to the far corner of the room, settled on the cold tile floor under a night table, and sprouted a quarter-sized spot of mold.
As a precaution – I had the exterior walls’ drywall removed – luckily – all was dry including studs and base framing. The tile was dry with no evidence of water. I called a waterproofing company – they tried to sell me a $50,000 remediation system.
I decided to call on the home inspector who inspects my clients’ home purchases. He came armed with a moisture meter. He found none. Then, he suggested laying down and sealing a vapor barrier plastic sheet like that of a crawl space. He told us to leave it down for 7-10 days. If at the end of the period, there was moisture under the barrier – there is a water problem. If none, then it was a condensation problem. Luckily, it was the latter.
Our brilliant contractor figured out that the exhaust fan was not extracting the condensation. In with a new fan and lots of cleaning – all is well.
However, this episode required that I discard the entire contents of the room. I had my brand new furnace thoroughly cleaned and disinfected. Mold spores are airborne and had certainly settled on all fabrics and furnishings. All because an exhaust fan had malfunctioned. On that note – ask questions about the history of any resale furnishings that you are considering buying. Have you ever smelled mustiness in antique drawers . . . ?
Mold is toxic and for those who are sensitive, each episode increases that sensitivity and the reactions. While I am not a mold expert, here is a link to mold and its remediation on YouTube. The mold conversation begins around the 3 minute mark. It is a little long but could save you years of misery.
If you have questions or need resources, contact Krasi Henkel – TEXT – 703-624-8333. If you are planning to buy your next home, Text Krasi.
After attending the Loudoun County Chamber of Commerce ‘PolicyMaker Series: Postelection Aftermath’ I walked away with concerns and considerations. This blog is not intended to make or take a political stand, but to outline possibilities and current actions. Keeping you informed so that you can make the best possible decisions, is always my goal.
Politicians and analysts banter the term, affordable housing. Let’s unpack this concept and discover how, if at all, affordability can be affected.
The variables of affordability consist of the following obvious pieces:
The price of real estate
The mortgage interest rate
The mortgage term (number of years)
Cost to insure
Taxes
Income tax incentives (if any)
Housing supply and local zoning
To improve affordability, one or more of the above variables must be influenced as follows:
Private property values are subject to market forces.
Mortgage interest rates while variable, can be subsidized by jurisdictions or offset by tax savings
The term of the mortgage 15-30-50 affects the monthly payment
Insurance is partly environmental risk based, and partly determined by your desired value to insure and what to include.
Taxes – real estate taxes are based on jurisdictional assessments. You can appeal assessments. You can elect officials who would reduce tax rates.
The Federal government or even the state can make interest, taxes, etc. deductible at higher rates – AKA – subsidizing through deductibility.
Supply and demand shifts from scarcity to accessibility can partially be accomplished through thoughtful zoning and maybe expeditious reviews.
Below are possible solutions but will require bold federal and state participation.
Let’s clear one thing up – homeowners do not plan to decrease the asking prices for their houses in a scarcity scenario. Insurers have suffered massive losses and will likely not be reducing their rates, and their reinsurers will most likely not be doing the same.
Property taxes – you can evaluate your jurisdictional budgets and determine potential austerity measures with which to justify tax reductions. We all know that this is a long term project involving studies, hearings, and elections.
While on the topic of property taxes and local jurisdictions, one way to increase supply would be to loosen zoning regulations and shorten permit and inspection periods. All of that requires public hearings. Realistically, when was the last time a voting block voted to increase density?
Income tax deductibility or credits could be useful subject to income limits. This will require political maneuvering, bills, vetoes, and committees, and lots of talk and perhaps a little help.
Mortgage interest is a possible variant. When affordability is addressed, it is often addressed for first time home buyers. The US government, states, and local governments offer mortgage loans to offset cash down payments, and structure loans based on a variety of criteria. This is where creativity can set in and offers interesting options to consider.
Let’s look at Virginia for example. There are several assistance loan products including down payment and closing cost grants. After that there is Virginia Housing (formerly VHDA), which is funded through bonds and are not and do not affect the tax base. These loans come with quite a few strings and qualification can be onerous. Looking at today’s mortgage rate, I note that VHDA is offering their loan for 6.5%. Yet FHA, VA, USDA are all below 6%.
Another mortgage alternative is increasing the loan amortization terms from 30 to 50 years. Yes, the total interest paid will be higher, but the monthly payment can become affordable. Consider the example below:
$500,000 loan at 5.75%
30 year principal and interest (PI) payment: $2918
50 year principal and interest (PI) payment: $2540
The monthly savings will be: $ 378
That difference can make the difference in qualifying.
It will cost more over the life of the loan. The reality is that most people move every seven years. Loans can be refinanced if rates decline. I have met very few people who retained their original loan to its final payment. The 30-year mortgage was originally tied to the 30-year treasury bill. Though, the 10-year Treasury Note is a more direct benchmark. The 30-year treasuries are called “long bonds.”
Zoning:
Zoning adjustment measure has been on Virginia’s local jurisdiction radar for over five years. Since 2020 initiatives to modify local zoning to permit density increases have been proposed.
Last week, a circuit court judge recently ruled in favor of the City of Alexandria in the “Zoning for Housing” lawsuit, dismissing the case and allowing the city’s zoning reforms to stand.
The case had been brought by local property owners, Coalition for a Livable Alexandria, protesting the density changes and their perceived impact on their properties. This ruling allows the city’s “Zoning for Housing” ordinance to proceed.
A question: with the decision in place, can a developer now buy a single family house, tear it down and build a multi-family structure? What are the limits? What are the safeguards? Where will those residents park? How will the existing infrastructure support the additional density as far as education and traffic?
In Tysons, a similar initiative has been enacted. Click here to learn more about these and other Virginia measures.
While political promises abound, reality sets in. The recent election platform was heavy on affordable housing. When I inquired at the recent event, about the “how” of the promises, the moderator ‘ran out of time.’ I asked why VHDA loan rates outstrip all other loan rates. When I approached one of the State senators, he told me that they are “looking into it.” The urgency? Subject to interpretation. They seem focused on zoning changes as the primary solution.
There is no easy fix. Everyone must get involved and ask the hard questions: When politicians promise ‘affordable housing,’ ask them: Affordable to BUY, or affordable to RENT? Those are two very different things – one builds wealth and independence, the other creates permanent tenants beholden to landlords and government programs. The days of happy ambivalence are gone. You should pay close attention and make your decisions thoughtfully.
If you want to buy your first home, contact Broker Krasi Henkel. Her nearly 40 years of experience and exceptional lender network, produce dream-come-true scenarios. If you want to be one of the lucky few – text Krasi today – 703-624-8333.
Nestled in Virginia’s northwest corner, Western Loudoun County represents one of the region’s most distinctive real estate markets. Properties here offer a captivating blend of agricultural heritage and contemporary country living, with investment opportunities ranging from historic estates to luxury new construction. Rolling hills dotted with stone fences frame breathtaking Blue Ridge Mountain vistas, creating premium viewsheds that significantly enhance property values.
Western Loudoun real estate includes luxury new builds……historic estates……and charming small towns.
The region’s thriving agribusiness sector supports strong agricultural property demand, from century-old family farms to boutique agricultural ventures. Over 45 award-winning wineries have established Western Loudoun as Virginia’s wine country epicenter, driving specialized vineyard property values. The robust equestrian market features everything from modest hobby farms to world-class training facilities, with proximity to riding trails and hunt country commanding premium pricing.
Western Loudoun proudly preserves its rich foxhunting tradition through prestigious hunt clubs like Loudoun Hunt and Middleburg Hunt. Properties within established hunt territories often enjoy enhanced market appeal and stronger value retention, particularly among equestrian buyers.
The area boasts a robust equestrian community……award-winning wineries……and a rich foxhunting tradition.
Families invest here for top-rated public schools and prestigious private academies. The real estate market benefits from exceptional recreational amenities, charming historic towns, and proximity to Washington DC, creating a perfect balance of rural tranquility and metropolitan access that continues to attract discerning buyers seeking authentic country living without compromise.
If you are considering quality of life and a upscale rural lifestyle, contact our broker, long-term resident, and equestrienne, Krasi Henkel at 703-624-8333, to discuss your goals and options.
Here’s an amusing bit of architectural etymology trivia. What we know as a transom window is called “vasistas” in French. The origin of this term is quite funny: in the 1700s, French builders didn’t have a specific name for these small windows above doors. But whenever their German neighbors visited, they would point at the transoms and ask, “Was ist das?”—meaning “What is that?” The French assumed this was the window’s name and adopted the term. Ironically, the Germans didn’t have a name for it either—they were just curious!
What Are Transom Windows? Transom windows, often found above doors or larger windows, serve both functional and aesthetic purposes. Historically, they were a common architectural feature in homes before the widespread use of electricity and air conditioning. These small windows allowed light and air to flow between rooms, while maintaining privacy and security.
In older homes, transom windows often have intricate designs or stained glass, adding elegance and charm to any space. Though their use has evolved, transoms remain popular in modern construction, with homeowners and designers incorporating them as both a functional and decorative feature.
Functional Benefits of Transom Windows Light and Ventilation: In the days before electricity, transom windows helped circulate air and allowed light to pass between rooms. This natural ventilation kept homes cool during warmer months, while the positioning above doors preserved privacy. Even today, transoms can add extra light to dark hallways or interior rooms that may not have direct access to exterior windows.
Architectural Appeal: Transom windows provide an elegant design element to both traditional and modern homes. Their placement above doors or windows breaks up large wall spaces, adding character and style. Many homeowners choose decorative options, like stained glass or patterned grids, to make them stand out as a focal point.
Energy Efficiency: While today’s transom windows may not be used for ventilation as often, they still serve a purpose in energy conservation. High-quality, insulated transoms can help reduce energy costs by providing additional natural light, meaning you’ll need to rely less on artificial lighting during the day.
Modern transoms can be used to allow more light into a room or to make a statement.Transoms are often a stylistic choice in modern times.The versatility of transom windows makes them a popular feature in both contemporary and traditional homes
Modern Uses for Transom Windows While transoms were once a necessity, today they are more of a stylistic choice. In modern homes, transom windows are used to create a feeling of openness, particularly in areas with high ceilings. They can be installed above interior doors to connect spaces visually, or they can be used in exterior walls to make a statement in entryways or living rooms. The versatility of transom windows makes them a popular feature in both contemporary and traditional homes.
Transoms are often custom-designed, allowing homeowners to choose from a variety of shapes, styles, and materials to match their home’s architecture. Whether you want a clean, minimalist look or a more ornate design, transom windows are a great way to add both style and functionality to your home.
Whether you’re renovating a historic property or adding a modern touch to your home, transom windows are a feature worth considering. Their unique history and timeless appeal make them a charming addition to any space. If you’re thinking about incorporating transom windows or other architectural features in your home, or if you’re in the market to buy or sell, contact us Properties on the Potomac at 703-624-8333 today. We’re here to help you find the perfect home with all the features you love—or to guide you through renovations to make your home more beautiful and functional!
Ranch-style homes have been a popular choice for decades thanks to their practical single-story layouts and flexible spaces. While some home buyers may overlook older ranch houses in favor of newer construction, these modest homes actually offer great opportunities. With some creativity and wise investments, you can remodel a ranch house on a budget.
The Benefits of Buying an Older Ranch:
Mail level primary bedroom(s)
Mature trees and landscaping
Established neighborhoods
Lower property taxes
Good value per square foot
Flexible floor plans
Hardwood floors or solid mid-century materials
The Blank Canvas:
BEFOREAFTER
The simple shapes of ranch homes make them perfect blank canvases to incorporate modern style. Minor changes can make ranch homes feel fresh and new without blowing the budget. Consider these economical updates:
New paint in contemporary hues
Swap dated lighting for streamlined fixtures
Replace builder-basic kitchens and baths with IKEA systems
Refinish hardwood flooring hidden under outdated carpeting
Knock down walls to create open-concept spaces
Add an addition
Kitchen BeforeKitchen AfterPrimary Bath BeforePrimary Bath AfterEntry BeforeEntry ConstrucitonEntry After
The above photos were a joint project with Anders Hurd – Faber Custom Builders, Inc. The project was incredibly successful and the property sold to the first buyer ho saw it!!
Big Style for Small Budgets
You don’t need expensive materials to give a ranch home an interior facelift. Use these design insider tips:
Shop for unique vintage details
Use bold wallpaper or paint instead of new cabinets
Stain concrete floors for an industrial look
Upgrade windows and patio doors even if you keep other structural elements
The single-level living and unused basement or attics in ranch homes present opportunities for expansion or converting unused areas into rental units for extra income.
Addition to a ranch home provides tall, open spaces with abundant views
Take a fresh look at older ranch houses. With an updated exterior paint color, strategic refreshes indoors, and your own custom vision, you can personalize a home to suit your needs and style for less than you might expect. The charm and practicality of ranch homes continue to win over buyers who see their outstanding potential.
One of my favorite ranch homes in a subdivision that I have sold many ranches and that I love to walk my dog!
As opinions have currency in real estate, the cultured credibility offered by a home library can sway buyers and add significant value to a house. Though e-readers and digital books are common, there remains strong appeal to the tangible permanence and character of print books lining built-in shelves.
More than a storage place for novels and non-fiction, the home library represents intellectualism and refined tastes which many affluent buyers seek in a residence. Beyond superficial decor, an elegant library signals the substance of both current and past owners. It communicates that interesting dinner conversations, music, and art have filled those rooms.
Built-in bookcases hold special weight over stand-alone shelving. They demonstrate forethought in the home’s original design and construction and cannot be easily moved or changed on impulse like furniture. As integral house features, custom built-in bookcases can add 10-15% of their initial cost to listing prices. Their fixed nature also means volumes collected over years remain on display.
The permanence, personalization, and intellectual substance embodied in a home library comprises a unique asset. For buyers seeking both image and lifestyle, rooms of books can add eight to fifteen percent in perceived worth…or perhaps prove literally priceless among competing listings.
In showcasing owners’ sophistication, libraries reveal character that cannot be fabricated. Where furniture and paint colors change on trends, libraries accumulate over lifetimes. They bestow cultured credibility more reliable than passing fashions. For buyers sharing such values, a house with a library makes tangible the intellectual and cultural traditions they wish to perpetuate.
If you’re in search of a home with a library, or perhaps a home with the perfect space to build the library of your dreams, we’re here to help! Call Properties on the Potomac at 703-624-8333 today.
This is our most frequently asked question. It is understandable given low inventory, rising interest rates, and homes often selling for over list price. Real estate headlines can seem daunting. Headlines notwithstanding, our market is still active. Home values climbed at about 3.5% in the first half of this year as demand continues to outpace supply.
The key to this market is being an educated buyer or seller. Now more than ever, working with the right agent is critical. Selecting a savvy, experienced agent who will give you expert guidance will make all the difference in this competitive market.
Our proven systems help our clients find the right homes and make the best offers. Our success speaks for itself. We leave no details to chance. Our sellers optimize their properties to attract the most qualified buyers who are ready to move quickly.
Today’s most successful real estate agents are taking advance reservations from qualified clients. By planning ahead and partnering with a top agent, buyers and sellers can still achieve their property goals, even in this fast-paced market.
Bottom line: real estate remains an essential need and purchases are happening every day. With the right preparation and guidance, your real estate goals can absolutely become reality. The key to our clients’ success are our well-honed systems.
Do you have real estate plans for 2024? Connect with Properties on the Potomac at 703-624-8333 to start strategizing for your next move!
While scam artists have always been around, modern technology has made their work easier and more effective. Readily accessible public records are fodder for them.
Recently, I received a text with the look and feel of an authentic inquiry. The writer inquired about commissions and timing. When I called the writer, he answered the phone. Our dialogue was typical of a potential seller. They responded with an Outlook email address to my request for their email address. The property address and description matched as well as the name given during our conversation.
The potential “seller” knew about the property’s features, details, and general acquisition information. My intuition had an initial twinge when I learned that the caller was out of town and wanted to sell as soon as possible. My scam antennae were on mild alert. I was planning identity verification measures before concluding the initial conversation.
The property in question was a vacant lot of substantial value. Fortunately, I am familiar with the area and the associated lots. My former investigator self was devising plans to verify the veracity of the caller.
Upon my return to my office, I dug deeper into the owner. I discovered phone numbers that did not match the one from which the text was sent. A phone call to the newly discovered phone number confirmed my suspicions. The caller/texter was a scam. The actual property owner confirmed that they had not spoken to me or asked to sell their lot. The owner was naturally upset. Was he being targeted, was someone trying to steal the lot, or was the texter trying to “tunnel” into my computer network?
How can someone other than the actual owner sell a property? There are many ways. One of the easiest ways is a gullible agent. Forged documents, identity theft, an absentee owner, an owner’s death, and many other scenarios can separate a rightful owner from their property.
What can a property owner do to protect the titles to their properties? Here are some ways:
If closing on a new purchase, buy owner’s title insurance. However, enhanced title insurance is typically not available for vacant land.
Another option is to subscribe to an identity protection service with a title monitoring option.
If you own investment property or vacant land, visit your properties, introduce yourself to the neighbors and ask them to alert you to any suspicious activities or strange or repeated visitors, visits or unexpected surveys.
At Properties on the Potomac, Inc., we are implementing new and higher levels of security to safeguard our community from this form of theft. We are educating our agents, working with professionals, and designing stringent security measures. The increased security measures might seem invasive to callers to our office and agents. Please know that we intend to protect property owners’ rights and never be duped to the contrary.
Through our affiliation with the National Association of Realtors, Northern Virginia Association of Realtors, and the Greater Capital Area Association of Realtors, we have available sophisticated resources and research tools with which we can help protect our clients and our community. If you have questions or concerns about real estate scams, call Properties on the Potomac at 703-624-8333.
Loudoun County, Virginia is the wealthiest and fastest growing county in the country. While these statistics may bring to mind McMansions crowding the landscape, those visions couldn’t be farther from the truth. In fact, the western portion of the county is actually very rural, with breathtaking views. The rolling hillsides are dotted with horses grazing, cows, grape vines, and countless fields of hay, corn, and other crops. Loudoun County is known for horses, horse shows, fox hunting, and multidisciplinary horseback riding from children’s lead line to world class show jumping, Olympic level eventing and dressage. With robust real estate demand, Loudoun is where technology and rural pursuits blend.
And so it makes sense that the Loudoun County Department of Economic Development recently hosted a Farm Exchange event. As the name suggests, participants discovered, or “exchanged,” resources, suppliers, and service providers related to agribusiness. Those who participated are right here in the community and offer valuable services that can help our clients achieve their agribusiness goals in the upcoming season.
As the only real estate services provider present, we promoted our farm property listings as well as upcoming custom homes. In addition to representing our services, we also forged valuable connections that we can utilize for our clients, including mortgage lenders, barn builders, insurance companies, landscape and tree services, soil and water management, farm equipment sales, rentals, and service, and a number of other businesses that would make any new farm owners’ business and recreation activities more pleasant and efficient.
This was the first such “exchange” and it was well received. Properties on the Potomac was honored to participate, and we look forward to additional events where we can make even more connections for our clients.
Whether you are looking to acquire raw land for development or an existing horse farm, our contacts and recourses can assist with every aspect of land acquisition and development. Contact Properties on the Potomac at 703-624-8333today!
Properties on the Potomac, Inc. 