Facebook
X
Pinterest
Copy Link
About Coldwell Banker Chesapeake
With over 50 agents, three conveniently located offices, and the ability to serve clients anywhere, Coldwell Banker Chesapeake is your go-to for exceptional real estate services. Whether you’re in Easton, Chestertown, or Chesapeake City, our local experts are ready to assist. As Maryland’s top-ranked Coldwell Banker, we’re committed to providing top-tier service. Visit www.cbchesapeake.com for your real estate needs, or explore career opportunities at www.cbchesapeakecareer.com.
Buying A Home •
March 26, 2025
Buying a Waterfront Home?
Here’s What You Need to Know
Dreaming of waking up to sunrise views over the water or spending your evenings on a private dock? Buying a waterfront home on Maryland’s Eastern Shore or in coastal Delaware is a lifestyle choice that offers serenity, recreation, and breathtaking scenery. But before diving into this type of real estate, it’s important to understand the unique considerations that come with waterfront living.
In this guide, we’ll walk you through what you need to know before buying a waterfront property—from location and flood insurance to long-term value.
Location, Location, Waterfront Location
Waterfront properties vary greatly in terms of access, water type (river, bay, ocean, lake), and proximity to town centers. In Maryland, areas like Chestertown, Rock Hall, and Easton offer a mix of river and bayfront homes. Chesapeake City and Cecil County provide unique canal and riverfront opportunities. In Delaware, explore options near the Delaware Bay.
Understand the Shoreline and Property Rights
Be sure to check if the property includes riparian rights, private dock access, or shared use. This affects how you access the water and your privacy.
Insurance & Flood Zones
Many waterfront homes fall in designated flood zones and require specific insurance. Request the flood zone map for any property and get estimates for flood insurance and potential windstorm or hurricane insurance.
Maintenance and Weather Impact
Salt air, storms, and humidity can cause faster wear on coastal properties. Be prepared for dock repairs, corrosion, and higher maintenance costs. Look for materials made for coastal durability.
Lifestyle and Recreation
Do you love boating, fishing, or kayaking? Some properties offer deep-water access for yachts, while others suit paddleboards or kayaks. Confirm water depth, dock permits, and HOA rules.
Resale Value and Investment
Waterfront real estate can be a great investment. However, market conditions, erosion risk, and zoning regulations impact resale value. Work with a local expert for long-term insight.
Work with a Local Waterfront Specialist
Coldwell Banker Chesapeake Real Estate has agents in Chestertown, Easton, and Chesapeake City who specialize in Eastern Shore waterfront homes. From tide tables to dock permits, we help guide you through every step of the process.
Ready to Find Your Perfect Waterfront Home?
Explore our listings or connect with one of our experienced agents to learn more about buying waterfront property on the Eastern Shore. Whether you’re seeking a weekend retreat or a year-round residence, we’re here to help you navigate every tide and turn.
Coldwell Banker Chesapeake Real Estate – Guiding You Home, Wherever the Shore Leads.
Lifestyle •
March 5, 2025
Get Ready for Chesapeake City’s Annual St. Patrick’s Day
Get Ready for Chesapeake City’s Annual St. Patrick’s Day Parade and Pub Crawl!
Coldwell Banker Chesapeake Real Estate invites you to join the celebrations on Saturday, March 15th, 2025, from 10:00 AM to 4:00 PM at Pell Gardens!
St. Patrick’s Day Parade:
The parade kicks off at Noon, starting at the old elementary school with lineup beginning at 10:00 AM. Watch as it makes its way down Bohemia Ave and around Pell Gardens, featuring vibrant floats and local artisans.
- Pub Crawl: After the parade, stop by any (or all) of the local bars for adult festivities and explore vendors set up in Pell Gardens.
- Meet Us at Coldwell Banker Chesapeake! Visit our office at 200 Bohemia Avenue during the festivities to meet our friendly agents, learn about our real estate services, and enjoy complimentary snacks!
- Experience Chesapeake City’s Charm: Whether you’re a longtime resident or a first-time visitor, this St. Patrick’s Day is the perfect way to experience the town’s warm hospitality and lively spirit.
We can’t wait to celebrate with you! For more information, visit Coldwell Banker Chesapeake.
About Us
With a team of over 50 dedicated agents and three conveniently located offices in Easton, Chestertown, and Chesapeake City, Coldwell Banker Chesapeake is your trusted partner for all your real estate needs. Our local expertise and commitment to exceptional service ensure a personalized experience, whether you’re buying or selling a home on Maryland’s Eastern Shore or in Southern Chester County, PA.
Explore our comprehensive online resources and listings at www.cbchesapeake.com to discover how we can help make your real estate journey seamless and successful.
Lifestyle •
March 5, 2025
Celebrate St. Patrick’s Day in Downtown Easton!
Get ready to wear your green and join the festivities in Easton, MD, on March 17, 2025! The annual St. Patrick’s Day Celebration, hosted by the Easton EDC, promises a lively evening filled with music, laughter, and a whole lot of community spirit.
The parade kicks off at 5:30 PM, featuring lively bands, creative floats, and decorated golf carts parading through downtown. Keep an eye out—you might even spot some familiar faces from Coldwell Banker Chesapeake joining the fun!
The excitement doesn’t end with the parade! Stick around for the fan-favorite St. Patrick’s Day Potato Race, hosted by the Talbot County Young Professionals, immediately following the parade. This quirky and fast-paced event is sure to bring plenty of laughs and cheer.
Whether you’re a longtime resident or just visiting, this is the perfect way to embrace the luck of the Irish and enjoy an evening of community fun. We hope to see you there—don’t forget to wear your green!
Happy St. Patrick’s Day from all of us at Coldwell Banker Chesapeake! 💚
Buying A Home •
February 27, 2025
Historic Home Buying Guide
Your Guide to Buying a Historic Home on the Eastern Shore
Maryland’s Eastern Shore is home to some of the most charming and historic properties in the region. If you’ve ever dreamed of owning a piece of history, buying a historic home in Kent County, Queen Anne’s County, Talbot County, or Cecil County might be the perfect choice for you. From colonial estates in Chestertown to waterfront homes in Easton, the Eastern Shore offers a variety of unique real estate opportunities. However, purchasing a historic property comes with its own set of considerations. Here’s what you need to know before making your investment.
1. The Charm and Appeal of Historic Homes
Historic homes offer timeless elegance, showcasing craftsmanship that’s hard to find in modern construction. From intricate moldings and original hardwood floors to stately fireplaces and wraparound porches, these properties provide character and unique architectural details. Many homes in Chesapeake City and Middletown, DE, reflect the rich history of the region while offering breathtaking views of the Chesapeake Bay.
2. Understanding Historic Preservation Laws
Many historic homes on the Eastern Shore fall under local or national historic district regulations. If a property is listed on the National Register of Historic Places or is located in a protected district, homeowners may need to follow specific guidelines for renovations and restorations. Before purchasing, it’s essential to research local preservation laws and ensure you’re prepared for any restrictions.
3. Inspections Are a Must
Buying a historic home requires a specialized home inspection. Many older properties may have outdated wiring, plumbing, or structural issues that require repairs. Hiring an inspector experienced with historic real estate can help identify potential challenges and costs before you commit to a purchase.
4. Financing and Insurance Considerations
Financing a historic home may differ from a traditional mortgage. Some buyers may qualify for renovation loans or historic preservation grants to assist with repairs. Additionally, insurance for historic homes can sometimes be more expensive, so it’s crucial to work with an insurer familiar with older properties.
5. Tax Incentives and Grants
The good news is that many historic homeowners may qualify for tax credits or grants to offset renovation costs. Maryland and Delaware both offer incentives for preserving and restoring historic properties. Working with a real estate agent familiar with local programs can help you take advantage of these benefits.
6. Work with a Local Real Estate Expert
Navigating the historic home-buying process requires the expertise of a knowledgeable real estate agent. At Coldwell Banker Chesapeake, our agents specialize in Eastern Shore real estate, including waterfront homes, historic estates, and charming colonial properties. We can help you find the perfect home while ensuring you understand the unique aspects of owning a historic property.
Find Your Dream Historic Home
If you’re considering purchasing a historic home in Maryland or Delaware, Coldwell Banker Chesapeake is here to guide you. Visit www.cbchesapeake.com to explore current listings and connect with a local expert who can help you every step of the way.
Lifestyle •
February 19, 2025
Sip and Stroll 2025
Join Coldwell Banker Chesapeake for Sip & Stroll in Historic Chesapeake City!
It’s time for the Chesapeake City Chamber of Commerce Sip & Stroll! Mark your calendars for February 22, 2025, from 1 PM to 4 PM and get ready for an afternoon of sipping, strolling, and discovering all that historic Chesapeake City has to offer!
Coldwell Banker Chesapeake is thrilled to be part of this exciting event, and we invite you to stop by our Chesapeake City office at 200 Bohemia Avenue, Suite 2 for food, fun, and refreshments while you enjoy the day. Whether you’re a local or visiting for the event, we’d love to meet you and chat about all things real estate on the Eastern Shore.
Historic Gem in the Heart of Chesapeake City. 306 Bohemia Avenue will be open for touring 2/22/25 Presented by Tinamarie Reamy.
While you’re in town, don’t miss the opportunity to tour a stunning historic home at 306 Bohemia Avenue, listed by our very own Tinamarie Reamy. This incredible property will be open for tours during Sip & Stroll—offering you a rare chance to experience its charm and character firsthand.
So grab your tasting glass, enjoy the event, and make sure to swing by Coldwell Banker Chesapeake for a warm welcome. See you there!
For more details, feel free to reach out to us at 410-885-2200 or visit www.cbchesapeake.com.
About Coldwell Banker Chesapeake
With over 50 agents, three conveniently located offices, and the ability to serve clients anywhere, Coldwell Banker Chesapeake is your go-to for exceptional real estate services. Whether you’re in Easton, Chestertown, or Chesapeake City, our local experts are ready to assist. As Maryland’s top-ranked Coldwell Banker, we’re committed to providing top-tier service. Visit www.cbchesapeake.com for your real estate needs, or explore career opportunities at www.cbchesapeakecareer.com.
Agent Profiles •
February 11, 2025
Lisa Raffetto Receives Lifetime Achievement Award
Elizabeth “Lisa” Purnell Raffetto Honored with BAAR’s 2025 Lifetime Realtor Award
Coldwell Banker Chesapeake Real Estate is thrilled to celebrate Elizabeth “Lisa” Purnell Raffetto, who was recently honored with both the 2025 Lifetime Realtor Award and the 2024 Diamond Award by the Bay Area Association of Realtors (BAAR). These prestigious accolades recognize Lisa’s exceptional career, unwavering dedication, and lasting impact on the real estate industry and the communities she serves.
An Afternoon of Recognition at the BAAR Ignite Event
Lisa was presented with these awards on February 10th at the BAAR Ignite Event at the Hyatt Place Kent Island in Grasonville, MD. Surrounded by fellow colleagues, brokers, and industry vendors, she was recognized for her outstanding sales performance and decades of leadership in real estate. The event was a testament to the admiration and respect Lisa has earned throughout her 35-year career.
A Legacy of Excellence in Real Estate
Lisa began her real estate career in 1989, establishing herself in the Eastern Shore market in 1991. She is known for her expertise in historic homes, waterfront estates, and farms, consistently ranking as a top producer.
- Past President of the BAAR Board
- Two-term District Vice President for the Maryland Association of Realtors (MAR), representing six counties
- Chair of the Grievance Committee for BAAR for over a decade
- Chair of the Education Committee for eight years
- Leadership roles in Fair Housing, Membership, and Leadership Academy committees for MAR
- Graduate of the Realtor Institute (GRI) certification (1994)
- Associate Broker designation (1996)
- Recipient of multiple BAAR honors, including:
- Rookie of the Year (1994)
- Realtor of the Year (1999)
- Distinguished Sales Associate (2000)
- J. Hurst Purnell Award for Integrity (2017)
Beyond Real Estate: A Champion for Community and Preservation
Lisa’s contributions extend far beyond her successful transactions. She is a passionate advocate for historical preservation, tourism, and civic engagement, with active involvement in:
- Kent County and Prince George’s County Garden Clubs
- Kent County Tourism Committee
- National Trust for Historic Preservation
- Kent and Queen Anne’s County Historical Societies
- Prince George’s Cultural and Historical Trust (Founding Member)
- Leadership roles at Shrewsbury Church, Kennedyville, including serving on the Vestry & Search Committee.
A Word from Coldwell Banker Chesapeake’s Broker
“Lisa Raffetto exemplifies professionalism, integrity, and service. Her contributions to the real estate industry, her clients, and our community have been nothing short of extraordinary. It is an honor to see her recognized with both the Lifetime Realtor Award and the Diamond Award—testaments to her hard work, leadership, and dedication over the years.”
– Hugh M. Smith, Broker/Owner, Coldwell Banker Chesapeake
A Lasting Legacy
Lisa Raffetto’s name is synonymous with excellence in real estate, and these latest awards reinforce her impact, passion, and commitment to her clients and peers. As she continues to shape the industry with her expertise and mentorship, this recognition is a well-earned milestone in an already remarkable career.
Please join us in congratulating Lisa Raffetto on these incredible achievements!
About Coldwell Banker Chesapeake
With over 50 agents, three conveniently located offices, and the ability to serve clients anywhere, Coldwell Banker Chesapeake is your go-to for exceptional real estate services. Whether you’re in Easton, Chestertown, or Chesapeake City, our local experts are ready to assist. As Maryland’s top-ranked Coldwell Banker, we’re committed to providing top-tier service. Visit www.cbchesapeake.com for your real estate needs, or explore career opportunities at www.cbchesapeakecareer.com.
© 2025 Coldwell Banker Chesapeake Real Estate | www.cbchesapeake.com
Lifestyle • Uncategorized •
February 3, 2025
Warm Up at Coldwell Banker Chesapeake
During the Chesapeake Fire & Ice Festival
Stop By Coldwell Banker Chesapeake
After taking in the festival’s highlights, stop by Coldwell Banker Chesapeake at 17B N Harrison Street to warm up! Our office is just around the corner from all the action, offering a cozy spot to rest and enjoy a snack. While you’re here, you can:
- Meet Our Agents: Our friendly, experienced agents are available to chat about real estate or just to say hello.
- Warm Up: Take a break from the cold and warm up with a hot drink and light snacks.
- Enjoy the Festival: We’re perfectly located for you to easily return to the festival’s activities.
Festival Highlights
- Ice Sculptures & Live Carvings: Marvel at the intricate ice sculptures displayed throughout downtown Easton, with live carving demonstrations on Friday evening and Saturday afternoon.
- Outdoor Ice Skating: Glide across the synthetic ice rink in the Visitor Center parking lot, open both Friday and Saturday.
- Fire Trail & Special Events: Explore the Fire Trail with festive offerings from local businesses, including live music, fire pits, and exciting sales like 50% off at Sailor and 40% off at The Mercantile.
- Family Fun: The Talbot County Free Library will host a special children’s icehouse, and Kiln Born Creations will offer a Kids Night Out for ages 6-12.
Details
Location: Coldwell Banker Chesapeake, 17B N Harrison Street, Easton, MD
Festival Hours:
- Friday, Feb 14: 5:00 PM – 9:00 PM
- Saturday, Feb 15: 11:00 AM – 8:00 PM
Stop by for a warm and welcoming break at Coldwell Banker Chesapeake during the Chesapeake Fire & Ice Festival!
Lifestyle •
February 3, 2025
Why People Are Moving to the Eastern Shore
The Eastern Shore: A Hidden Gem for Homebuyers
The Eastern Shore of Maryland and Delaware is quickly becoming a top choice for homebuyers. With beautiful waterfront properties, charming small towns, and a relaxed coastal lifestyle, it’s no surprise that more people are making the move.
Whether you’re looking for a vacation home, a retirement retreat, or a fresh start, the Eastern Shore offers a perfect blend of affordability, natural beauty, and community charm.
Top Reasons People Are Moving to the Eastern Shore
1. Affordable Waterfront Living
Compared to other coastal areas like Annapolis or the Outer Banks, the Eastern Shore offers affordable waterfront homes with stunning views and private docks.
2. Small-Town Charm & Tight-Knit Communities
From St. Michaels to Chestertown, the Eastern Shore is full of historic small towns with friendly communities, farmers’ markets, and waterfront dining.
3. Outdoor Recreation & Coastal Living
Residents enjoy:
- Boating & Sailing on the Chesapeake Bay
- Fishing & Crabbing in world-class waters
- Hiking & Biking through scenic trails
- Birdwatching & Wildlife Exploration in the wetlands
4. Lower Cost of Living & Taxes
Compared to big cities like Washington, D.C., Baltimore, and Philadelphia, the Eastern Shore offers:
- Lower property taxes
- More affordable real estate
- A lower overall cost of living
5. A Slower, More Relaxed Pace of Life
Life on the Eastern Shore is peaceful—no traffic jams, just stunning sunsets, waterfront views, and friendly neighbors.
6. A Booming Real Estate Market
With more people working remotely, demand for homes on the Eastern Shore is increasing. Home values are rising, making it a smart investment for buyers and investors.
Should You Move to the Eastern Shore?
If you’re looking for:
- A beautiful waterfront home without the high price tag
- A friendly, small-town community
- A slower pace of life with outdoor adventure
- Lower taxes and cost of living
Then the Eastern Shore might be your perfect destination!
Ready to make the move?
Let our Coldwell Banker Chesapeake real estate experts help you find the perfect home.
About Coldwell Banker Chesapeake
With over 50 agents, three conveniently located offices, and the ability to serve clients anywhere, Coldwell Banker Chesapeake is your go-to for exceptional real estate services. Whether you’re in Easton, Chestertown, or Chesapeake City, our local experts are ready to assist. As Maryland’s top-ranked Coldwell Banker, we’re committed to providing top-tier service. Visit www.cbchesapeake.com for your real estate needs, or explore career opportunities at www.cbchesapeakecareer.com.
Lifestyle •
January 29, 2025
Luxury Real Estate Trends
in the Chesapeake Bay Region
The Changing Landscape of Luxury Homes in Chesapeake Bay
Luxury real estate in the Chesapeake Bay area is evolving. From historic waterfront estates to modern coastal retreats, buyers are looking for homes that blend charm, convenience, and cutting-edge amenities.
At Coldwell Banker Chesapeake, we specialize in luxury real estate. Our team includes 11 Coldwell Banker Global Luxury Specialists, elite agents trained to handle high-end properties with expertise and global reach.
Top Luxury Real Estate Trends in Chesapeake Bay
1. High Demand for Waterfront Homes
Luxury buyers continue to seek waterfront properties with private docks, panoramic views, and easy access to boating and water activities. Popular areas include Annapolis, St. Michaels, Easton, North East, Oxford, and Chestertown.
2. Smart Homes & High-Tech Features
Luxury homes in Chesapeake Bay are embracing technology. Smart security systems, automated lighting, and remote-controlled climate settings are now standard features. Buyers want homes that provide convenience, efficiency, and top-tier security.
3. Sustainability & Eco-Friendly Design
Green living is a priority for today’s luxury buyers. Features like solar panels, energy-efficient appliances, and eco-friendly building materials are in demand. Many waterfront homeowners are also investing in living shorelines to prevent erosion while protecting the environment.
4. Home Offices & Multi-Purpose Spaces
The rise of remote work has increased demand for dedicated home offices, fitness rooms, and entertainment spaces. Buyers want homes that provide comfort, privacy, and flexibility.
5. Historic Homes with Modern Upgrades
Chesapeake Bay is known for its historic charm. Many buyers are looking for renovated historic homes that feature original hardwood floors, fireplaces, and colonial architecture, but with modern updates like gourmet kitchens and spa-like bathrooms.
Why Choose a Coldwell Banker Global Luxury Specialist?
Luxury real estate requires expert representation. At Coldwell Banker Chesapeake, we are proud to have 11 Coldwell Banker Global Luxury Specialists—agents who have completed exclusive training to serve high-end buyers and sellers.
Meet Our Luxury Experts:
- Tinamarie Reamy
- Joseph Ciganek
- Terri Kulp
- Mary Carlisle
- Mary Fielding
- Lisa Raffetto
- Tracy Stone
- Chata Smith
- Hugh Smith
- Gwen Eskridge
- Juliet Wells
What Sets a Global Luxury Specialist Apart?
- Exclusive Training & Certification – Expertise in high-end real estate.
- Luxury Marketing & Global Reach – Access to an international network of affluent buyers.
- Personalized Service – Tailored strategies to showcase luxury homes.
The Future of Chesapeake Bay’s Luxury Market
Luxury real estate in Chesapeake Bay is strong and growing. The region’s waterfront lifestyle, historic charm, and modern amenities make it a prime destination for high-end buyers.
Thinking About Buying or Selling a Luxury Home?
Let our Coldwell Banker Chesapeake Global Luxury Specialists guide you.
About Coldwell Banker Chesapeake
With over 50 agents, three conveniently located offices, and the ability to serve clients anywhere, Coldwell Banker Chesapeake is your go-to for exceptional real estate services. Whether you’re in Easton, Chestertown, or Chesapeake City, our local experts are ready to assist. As Maryland’s top-ranked Coldwell Banker, we’re committed to providing top-tier service. Visit www.cbchesapeake.com for your real estate needs, or explore career opportunities at www.cbchesapeakecareer.com.
Main Street Home Loans •
January 22, 2025
Ready to Buy a Home?
Here’s Your Pre-Approval Checklist
By Trent Riggs, Loan Originator with Main Street Home Loans
Why Is Pre-Approval Important?
Getting pre-approved for a mortgage is the first step in your home-buying journey. It allows lenders to verify your financial health and determine how much you can borrow. A pre-approval letter shows sellers and real estate agents that you’re a serious buyer, which can give you an edge in a competitive market. To ensure the process is as smooth and stress-free as possible, it’s helpful to gather all necessary documentation ahead of time.
Pre-Approval Checklist: What You’ll Need
- Income Verification
- Recent pay stubs or a profit-and-loss (P&L) statement if you’re self-employed.
- Tax returns from the past two years to provide a comprehensive look at your financial history.
- Benefits Statements (if applicable)
- Social Security or disability income documentation.
- Pension statements if you’re retired or receiving a pension.
- Asset Verification
- Bank statements for the past two to three months to verify your savings and cash reserves.
- Retirement account statements (401(k), IRA, etc.) if applicable.
- Personal Identification
- A copy of your driver’s license or state-issued ID to verify your identity.
- Legal Documents (if applicable)
- Divorce decree if you’ve gone through a divorce and it impacts your finances.
- Bankruptcy discharge papers if you’ve previously filed for bankruptcy.
Tips for a Smooth Pre-Approval Process
- Be Organized: Have all your documents readily available to avoid delays.
- Be Honest: Provide accurate information about your income, assets, and debts.
- Communicate with Your Loan Officer: Stay in touch with your loan officer to quickly address any questions or additional requirements.
Ready to Get Started?
If you’re ready to take the next step toward homeownership, I’m here to help! At Main Street Home Loans, we work closely with Coldwell Banker Chesapeake to ensure a seamless experience from pre-approval to closing.
Visit my website or contact me today to get started on your pre-approval process. Let’s make your dream home a reality!
