Blog :: 10-2013

Check out all the Lakefront Listing in New Hampshire on our Website www.nhlakesrealty.com 

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Lake Winnipesaukee Real Estate

Sold Condo South Down Shores Winnipesaukee

 

We have over 20 years of experience in the NH Lakes Area helping families find or sell there dream homes, from luxury lakefront estates to seasonal cottages.  Paula and Carl can help you sell/list your home in the Lakes Region and if you are a buyer looking to purchase a lake property on any one of NH lakes we can help you.  On the selling / listings side we have an exclusive marketing program in place that will get your home viewed on over 200 websites, social media including blogs along with print media that includes newspapers and magazines.  Our specialty with buyers is lake homes and condo's.  Our expertise and knowledge of the lakes can assist you in finding a lake property that meets your budget and family needs.  We can help you find a condo with a dock on Lake Winnipesaukee to a cabin on a quiet non motor boating lake.  This year we sold homes on Ayers Lake, Barrington - Webster Lake, Franklin - Ossipee Lake, Freedom - Suncook Lake, Barnstead - Sunrise Lake, Alton - Sunset Lake, Middleton - Franklin Pierce Lake, Antrim - Pleasant Lake, Deerfield - Highland Lake, Stoddard - Winona, New Hampton - Winnisquam, Laconia - Lovell Lake, Wakefield - Ashuelot Pond, Washington - Merrymeeting Lake, New Durham - Lake Winnipesaukee, condo's - homes - land around the lake.

 

For additional information on lake homes or to list with us call Lady of the Lake Realty at 1-888-737-5550 or e-mail at info@nhlakesrealty.com  or visit our website to view similar lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today about listing your  home in the lakes region or finding your dream lake home.

 

lake winnipesaukee real estate

One of our listings an Executive Estate with over 6000 square feet of living space & Sugar Sand Beach

 

NH Economic recovery is the focus of Realtors? regional real estate forum October 2013

Encouraging figures: One message was that buyers need to be thoroughly informed and educated on home ownership.

BEDFORD " A panel discussion  left Realtors feeling  hopeful Friday about the New Hampshire real estate market and its recovery  from the recession.

While the latest figures are encouraging and show improvement, members of the panel warned the group that it's early in a process still redeveloping with new regulations and much more scrutiny from lenders before approving mortgages.

The message repeated most often during the Regional  Real Estate Report was that buyers need to be thoroughly informed and educated on home ownership  " what it means, takes to achieve and how to recover from past credit problems.

Dean Christon, executive  director of the New Hampshire Housing and Finance Authority, said public resources like housing counselors have increased as part of the collective recovery effort.

"It may be tough love. It may be simply telling them really there isn't much of a solution or it may be a path to a fix that will actually help them stay in their homes," said Christon, whose agency specializes in programs designed to assist lowand  moderate- income families.

"The important thing is that early on, it's important  for people to access this kind of independent information."

The Greater Manchester/  Nashua Board of Realtors  presented the event, which included six speakers  covering different aspects  of the market and recovery.

GMNBR president Gail Athas, who introduced each of the speakers, said after the meeting that the recovery is going to mean an increase in cooperation  throughout the various  parts of the industry.

She said Realtors can also be an asset with straight information from within the community that is much more reliable than online advice.

"They get on these websites  that they feel can provide all the information,"  Athas said. "Buyers and sellers get on there and you know what? The information is not accurate.  It's just simply the buzzwords that they know are going to make people pay attention."

Robert Adams, an assistant state attorney general, explained parts of the national mortgage settlement, which is already tremendously complicated and still developing, and its effect on New Hampshire residents who were victims when the mortgage system collapsed.

He said everybody involved  in the long process of home ownership needs to help the industry by being alert for signs of any of the problems that led up to the crash.

"At the end of the day, self-regulation is the best answer to this," Adams said.

Gladys White, president of the Mortgage Bankers and Brokers Association of New Hampshire, said buyers also need to be realistic  in how much they can afford and what they qualify for, depending on factors, including past credit and employment history.

Lenders are checking histories very thoroughly, and some red flags are not difficult to find, she said.

"You would not believe the amount of people that don't pay their taxes," she said.

White said those people are shocked to learn that will prevent them from getting a mortgage.

She said a credit history can mean much better interest  rates for people who have paid their bills on time.

It is much easier to build a good credit than rebuild it, she said.

"Now we're in a market we've never been in before,  which is the foreclosures  and the short sales," White said.

White said some are victims  of circumstance, but many cases came from borrowing more than they could afford.

"They still feel they want to come out now and buy housing, and that's an issue for all of us," she said.

It may be tough love .... It may be a path to a fix that will actually help them stay in their homes.

DEAN CHRISTON

Executive director of the New Hampshire Housing and Finance Authority

 

By  Credit to  DOUG ALDEN    New Hampshire Union Leader 

 

For information on lake homes in NH call Four Seasons | Sotheby's International Realty at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view  lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today

NH home sales numbers continue to improve in September 2013

The healthy pace of New Hampshire home sales continued in September, according to data released Thursday by the New Hampshire Association of Realtors.

It was the 22nd consecutive  month the number of residential sales exceeded the same month in the prior year. The 1,419 homes sold in September was 15 percent above the 1,230 sales in September 2012. The median price climbed again as well, a 12 percent jump from $190,000 in September  2012 to $213,000 in 2013. That added up to a 26 percent increase in September sales volume, meaning the total dollars exchanged in those transactions.

"To the extent that there is such a thing as a normal market, I would say we're just about there," said 2013 NHAR President Bill Weidacher,  in a news release. "You'll always find distinctions  in local markets, but from a statewide perspective,  things truly are returning  to normal."

To that end, the September  numbers are a fair reflection of the third quarter and 2013 as a whole. In the third quarter,  unit sales were up 17 percent, median price was ahead by 13 percent, and sales volume witnessed a 29 percent increase. Those numbers for the first nine months combined were a 13 percent increase for unit sales, 10 percent increase for median price and 19 percent increase for sales volume.

Average days on the market  dropped 14 percent for September and have fallen 13 percent year to date, while pending sales were ahead 5 percent in September  and 11 percent year to date.

And months' supply,  which measures the number of months it would take to sell off the current inventory of homes at the current pace of sales, was down to 10.5 percent in September, down from 13.5 in September 2012 and 17.4 in September 2011.

Condominium sales in New Hampshire, meanwhile,  trended similarly in September, ahead by 21 percent in closed sales, 11 percent in median price, and 36 percent in sales volume. Year to date, those numbers are 18 percent, 8 percent and 26 percent, respectively.

Locally, nine of the 10 New Hampshire counties saw residential unit sales increases in September " with Coos County level. Seven of 10 witnessed September median price increases as well, with only Belknap, Cheshire and Sullivan counties down. All 10 counties have seen unit sales and median price increases year to date.

Article taken from the October 25, 2013 Manchester Union Leader

If you are looking for a lake home in New Hampshire give us a call. For additional information on  homes call Four Seasons | Sotheby's International Realty at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view  lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today..

NH Lakefront Property, How do I know if my home is in a Flood Zone

Actual Flood Zone Map Two years ago FEMA went out and started surveying and plotting our New Hampshire lakes to determine if local properties were in danger of flooding. They teamed up with the National Flood Insurance Program.  This has turn into somewhat of a difficult situation for buyers and sellers this  year.  Our local real estate board has all sellers fill out a disclosure and one of the questions is?  Flood Zone?  Yes / No / Unknown.   You would think that the home owner would be aware that they are in a flood zone considering that the government sets the insurance rate and the typical home flood insurance coverage cost is somewhere between $2000 and $5000.

Sellers don't have a clue!  I worked with three buyers this year and on the disclosure " no " was checked for being in the flood zone.  The sellers had never paid for flood insurance and they were never notified by there insurance agent or mortgage company they were in a flood zone.  The new buyers were notified by the mortgage company that they needed flood insurance and the average cost for the year was $3000 for the flood insurance policy, not including typical coverage.  They can buy the insurance anywhere but  National Flood Insurance Program. is the only provider .  Either you buy it or you will not get the loan.

What can you do?  In all 3 of my sales the homes were not at water level and I told them to hire a surveyor to determine if they could get an elevation certificate.  With the certificate if granted they could move to a lower scale in the insurance rating or avoid the insurance totally.

I would have to say that in my opinion some of the maps are far from accurate.  The above map shows a row of condo's out on a peninsula and these homes are about 6 feet above the water level.  The home I was dealing with had only the deck in the flood zone but this home actually sat up on a hill 25 feet above the waterline.  My customer joked that the person drew the map with crayons and did no research at all.  The buyer had to hire a surveyor to get there new home  an elevation  certificate to avoid the $2500 insurance premium.

Please note that in Section 15 ( Due Diligence ) in the New Hampshire Purchase and Sales agreement there is a clause to review insurance.  The typical agreement has 10 to 15 days to do your Due Diligence.   Do it so you are not 2 days from the close stuck with an extra $3000 bill that may have been avoided by asking your insurance agent if your new lakefront purchase is in a flood zone.

Below are some additional questions from the National Flood Insurance Program taken from their website. http://www.floodsmart.gov/floodsmart

To be proactive about your insurance, you should ask your insurance agent the following questions:

  • What flood zone do I live in? What is my property's flood risk?
  • Is flood insurance mandatory for my property? Will the lender require it?
  • Even if flood insurance isn't required by my lender, do I still need it?
  • Do I qualify for a Preferred Risk Policy?
  • Does my community participate in the NFIP Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
  • What will and won't be covered against flood damage?
  • Will my flood insurance policy be backed by the federal government?
  • How much coverage should I get for my building and for my contents?
  • What options do I have to reduce my premium?
  • Are there additional expenses or agency fees I should be aware of?
  • Will my policy provide Replacement Cost Value or Actual Cash Value? And what is the difference between the two?
  • Who should I call if I have a flood claim?
  • How can I pay for my policy?
  • How will my policy be renewed?

Original post and more information can be found on FloodSmart.gov

For help in Purchase or Listing your home in the NH Lakes Region Call Carl or Paula for expert advice. For additional information on lake homes call Lady of the Lake Realty  at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view  lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today!

All-terrain wheelchair helps disabled get back on track

I was watching an outdoor program and I saw these units being used, please read this article and refer it to anyone who wants to share the outdoors.

 

all terrain wheelchair(CNN) -- Cpl. Michael Boucher will never forget June 12, 2011. He was on his second deployment with the Marines in Afghanistan. Another squad had been hit by two improvised explosive devices, and he was helping to clear the landing zone so a helicopter could pick up the casualties.

"An IED was set off, and at first I didn't realize it was me that was hit," he said. "I was in the air and looked down and realized both my feet were missing."

Lying inside the crater from the blast, Boucher began to tie a tourniquet around what was left of his right leg.

"Before I finished putting the tourniquet on, the doc got to me. He placed his hand on my shoulder and said, 'Don't worry brother. I got you,' " he recalled. "It was a blessing that I stayed conscious because I didn't have to wake up later and realize that both of my legs were missing."

At 22, Boucher was a double-leg amputee.

"The first two weeks were pretty hard. I struggled in my own head to try and picture the future of my life, and it was hard to see anything good out if it," he said.

Before the accident, Boucher loved to hunt and fish. But he questioned whether it would even be possible to do so without his legs.

"I was trying to figure out in my mind what I was going to be able to do and what I wasn't," he said.

Thanks to an all-terrain wheelchair, Boucher is one of a growing number of injured veterans and people with disabilities who are getting back to doing what they love outdoors.

Designed like a mini-tank, this wheelchair can go almost anywhere off road -- through mud, sand, snow and in up to a foot of water. It can even go up and down hills.

Tim Swenson created the Action Trackchair about 10 years after his son was paralyzed in a car accident.

"You don't ever want to get that phone call, but it happened," Swenson said. "But I always thought about how can I get Jeff back outdoors and off the hard surface?"

With 30 years' experience in the motorsports business, Swenson designed an off-road electric chair that could help more than just his son.

"We just started using some of the things I knew about snowmobiles and ATVs (all-terrain vehicles) ... along with electric wheelchair components. And we started building," he said. "The tracks we use are similar in design and quality to snowmobile tracks."

The chair is controlled by a joystick and can travel up to 4 mph. It can be tilted to maintain balance on uneven terrain.

"One of the biggest fears people in wheelchairs have is falling out of their chair," Swenson said. "The chairs all come with a tilt so if you're going up and down hills ... you can maintain your chair being level."

The size of the chair can be adjusted to fit both children and adults. Accessories such as trays, toolboxes and gun racks can also be mounted to them.

Swenson sold his first chair in 2009 from his factory in Marshall, Minnesota. About a year later, he began designing a second model -- one that allows paralyzed people to stand up.

"There are some standing units out there for people that are on concrete but nothing off road," Swenson said. "I started thinking about how can we help these people stand up and be outdoors or working."

On this chair, the joystick allows paralyzed people to rise up slowly from a sitting to a standing position. They are held in place with knee supports, a seat belt and an optional shoulder harness.

"When you can stand up, now you can go back working, you can paint the house, do some welding or build things outdoors," he said.

But mobility comes with a price. The standard chairs range from $10,000 to $12,000 and are not yet covered by insurance.

Boucher received his chair through the Semper Fi Fund, which provides aid to injured U.S. military members. It has allowed him to get back to doing what he loves most -- hunting and fishing.

"It turns your disability into an ability," he said. "It's made a huge difference ... and it's added that independence back to my life

Taken from CNN and credit to  Natalie Angley, CNN

NH Lakefront Inventory, Fall is in the air and Sales are Heating Up October 2013

nh lakefront property for saleNew Hampshire - USA. The state has  four wonderful seasons and is known as a great  location to retire and as a vacation destination.  NH does not have a sales or income tax and the mountains and lakes almost touch each other.  At the bottom you will find some information taken from nheconomy.com about our states environment  Currently the NH lakes area has over 527 year round lakefront homes available and 161 seasonal homes for those who would prefer spending the winter down south.  The busiest time of year for lake sales has traditionally been October and November but year to date 394 lakefront homes have been sold priced between $150,000 and $7 million for a luxury estate on Squam Lake.

Current lakefront Inventory for homes for sale on our lakes with over 3000 acres.

Squam - 10 homes available:  $429,000 to $3.7 million

Sunapee -  42 listing priced from $359,000 to $3.9 million, 11 of the home are priced over 2 million.

Winnisquam  - 22 homes priced from $229,000 to $1.5 million

Newfound - 9 homes available  from $449,000 to $1,2 million.  If a new listing appears on this lake jump on it right away, they sell quickly.

Wentworth - 2 homes priced at $529,000 and $659,000, this lake is a hidden gem in Wolfeboro.

Ossipee - 38 homes price from $300,000 to $1.1 million. Ossipee in my opinion has some of the best values of the larger lakes.

Winnipesaukee  our largest lake has 231 homes available priced from $399,000, 38 listings priced $2 million to $4 million and 24 over $4 million

For additional information on lake homes call Four Seasons | Sotheby's International Realty at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today to find your dream home?

 

New Hampshire protects individual liberty, financial freedom and is business friendly with:

  • Low tax burden and incentives
  • Available and skilled labor
  • Easy access to interstate highways, national and international airports
  • Limited government
  • Easy access government decision makers

As the Most Livable State in the U.S. since 2005 and ranked first again in 2011 (CQ Press), New Hampshire consistently ranks as one of the healthiest and safest states in the nation. New Hampshire offers exceptional quality of life:

  • Low crime rate
  • High quality health care
  • Excellent schools
  • Affordable housing
  • Open space
  • Cultural opportunities

New Hampshire's quality of life and lower cost of living attracts skilled labor and provides the opportunity to have a satisfying career.

Four-Legged Officer to Receive Bullet and Stab Protective Vest K-9

Keene, N.H. --The New Hampshire Fish and Game Department is pleased to  announce thatK9 Ruby and  Conservation Officer Handler William Boudreau, of the NH Fish and Game  Department Law Enforcement Division, will be receiving a bullet and stab  protective vest. This is  possible because of the efforts of Vested Interest in K9s, Inc., a Massachusetts based non-profit organization and Maine resident Madeleine Hamersley.

Mrs. Hamersley, 83, of Sorrento, ME,  a former New York Police Officer and lifelong animal lover, read an article in  a local newspaper about a police dog in her area that was to be outfitted with  a bullet and stab protective vest through Vested Interest in K9s, Inc. She  contacted the organization's founder, Sandy Marcal, to pledge a donation for a  K9 vest to a dog within her area. Mrs. Hamersley enjoyed a meet and greet with  Trooper Christopher Smith and his K9 partner, Winger, from Maine State  Police, just two days after the donation of the vest was made.  The vest  was donated in memory of her father "Ralph Hellum".  She was so  impressed with K9 Winger that she contacted Marcal to seek out additional dogs in  need of vests, as a result Mrs. Hamersley has selected 7 additional K9's as  vest recipients nationwide in memory of beloved family members. The vest  recipients are K9 Foster of the Maine State Police, K9 Ruby of the New  Hampshire Fish and Game Department, K9 Vader of Colonie New York Police  Department, K9's Vegas, Colt and Nero from the North Huntingdon Township Police  Department in Pennsylvania and K9 Rek of the  Laurel Police Department in Maryland.

Vested Interest in K9s, Inc. is a  501c (3) all volunteer charity located in East Taunton, MA whose mission  is to provide bullet and stab protective vests for law enforcement dogs  throughout the United States. Each vest is valued at $950.00. The  nonprofit was established in 2009 to assist law enforcement agencies with this  potentially lifesaving body armor for their four legged K9 Officers. Through  private and corporate sponsorships, Vested Interest in K9s, Inc., has provided  over 437 law enforcement dogs with protective vests since their inception in  August of 2009. Over $415,000 in K9 vests have been donated in 37 states  including Alaska and Hawaii.

The organization orders the Armor  Express vests made in Central Lakes, MI exclusively from distributor Regency Police Supply in Hyannis, MA  who also does the custom embroidery on the body armor.

New K9 graduates, as well as K9's  with expired vests, are eligible to apply for the ballistic vests.

- For more information visit  vik9s.org or call 508-824-6978.   - Donations by mail to Vested  Interest in K9s P.O. Box 9 East   Taunton, MA 02718 or via the website. - If you would like to learn more  or help support the Fish and Game Department Conservation Canines through the  Wildlife Heritage Foundation of New Hampshire please visit our website at wildnh.com- Taken from the NH Fish and Game Website

Buying A New Hampshire Lakefront Home? Which Lake Fits Your Lifestyle?

 

lake winnipesaukee real estate

Mount Washington Cruising by one of the Meredith  homes

 

So you are interest in a lakefront vacation home and  you have chosen New Hampshire as your destination state.  NH was the easiest choice taking into account all the amenities the state has to offer.  Our office is in Meredith ,  we have over 250 lakes located within 40 minutes of our location, major ski resorts are right around the corner and we have tons of attractions from museums, golf courses to outlet stores.  As an example you could be water skiing on Lake Waukewan in the morning, hiking Mt. Lafayette in the afternoon and be back in Boston for a plane flight in less than 1 and 45 minutes.

Here is the typical call that I get almost daily. We have decided NH is our destination point for our lakefront home.  We want to be on Winnipesaukee, Sunapee or Squam.  Wonderful, are you familiar with the lakes, yes we saw the movie on Golden Pond or we were skiing at Gunstock or Mt Sunapee Ski Areas and saw the lake from the lift. It will be perfect for us.

Great tell me little bit about yourself, what your interest are and what your price range is.  Most people don't realize your minimum buy in on the Squam, Sunapee, Newfound and Winnipesaukee   for a year round home is about $1 million.  What my wife and I do is match lifestyles, budgets, wish lists to lakes that meet your criteria.  Basically give us your budget, what your interests are and we will go out and find a home that fits your family's lifestyle.

We get calls and e-mails all the time saying we want to see this home it looks perfect for us. Listing agents are masters of taking photo's to get you to view their home.  Photography sells homes.  We all run over to look at that perfect listing and you are totally disappointed. The home sits across the road on a busy street and the waterfront is a narrow strip of land, the beach in the picture is an association beach.

Just stop and let us help you.  We have over 10 years of experience helping buyers find home on quality lakes in NH Lakes Region including Sunapee and Ossipee markets.  The current lakes area inventory is about 600 homes priced from the mid $200,000 to 4 homes over $10 million. There is a lakefront home sitting there right now that fits your lifestyle, all you need to do is call us at 1-888-737-5550

Major Lakes in the area are Winnipesaukee, Squam, Sunapee, Winnisquam, Newfound , Ossipee, Wentworth, Waukewan, Merrymeeting, Great East, Silver in Madison. For additional information on lake homes call Lady or the Lake Realty  at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view  lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today!

Learn About Salmon Life Cycle at "Salmon Sunday" - November 10, 2013 - Melvin Village NH

CONCORD, N.H. -- Bring the kids and  explore the life cycle of landlocked salmon, fish prized by anglers on New Hampshire's big lakes, at the New Hampshire Fish and  Game Department's annual "Salmon Sunday" event on Sunday, November  10, 2013, from 1 to 3 p.m. at Pope Dam in Melvin Village. Pope Dam is nine miles north of Wolfeboro on Route 109 in the town of Tuftonboro, N.H.

"Salmon  Sunday is a great chance for everyone to get a close-up look at landlocked  salmon from Lake Winnipesaukee in their fall  spawning colors," said Don Miller, fisheries biologist for the Lakes  Region.  "Kids love to see the big  salmon, averaging about three pounds each, and watch biologists collect the  eggs."

During  the event, fisheries biologists will be busy harvesting, or  "stripping," eggs and milt from adult salmon. Standing knee-deep in  the cold water of the Melvin   River, scientists  expertly relieve the colorful adult female salmon of their eggs by stroking  their stomachs. Milt from the male fish is obtained in the same way, and mixed  with the gold-colored eggs to fertilize them.

This  activity is all part of the work N.H. Fish and Game carries out each year, with  support from the Federal Aid in Sport Fish Restoration Program, to maintain the  landlocked salmon population in New    Hampshire's big lakes.       Salmon  used for the stripping demonstration are netted from Lake   Winnipesaukee during October and early November.  They are returned to the lake after their  eggs and milt have been collected.  The  fertilized eggs are taken to Powder Mill Hatchery in New Durham, where they  will hatch in three to four months.  The  salmon are raised in the hatchery for about 18 months, then stocked into Lake  Winnipesaukee and other New Hampshire  lakes.

Fish  and Game staff will be on hand to answer questions about salmon, the  egg-stripping process and the stocking program that ensures these beautiful  fish continue to be available in the lakes for anglers to catch.  Salmon Sunday is a "rain or shine"  event.  Dress warmly. If you have  questions about Salmon Sunday, call 603-744-5470.

Please  note that the event date is listed incorrectly in the 2013 NH Fish &  Wildlife Calendar.  The correct date for  the event is November 10, 2013.  Hope to see  you there!

The  New Hampshire Fish and Game Department is the guardian of the state's fish,  wildlife and marine resources.

For additional information on lake homes with easy access to our NH Salmon Fishery call Four Seasons | Sotheby's International Realty at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view  lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

 

What Questions Should I be Asking when Purchasing a Lakefront Home?

 

 

newfound lake real estate

Sunset at Newfound Lake

 

Your getting ready to buy a lake home ?  What should you be looking for? What Questions should I be asking to protect my future investment.  Who is going to help me?   Don't let this wonderful experience of shopping for a lake home turn into a disaster.   You may think that you can navigate this purchase on your own but in reality the listings agent works for the seller and he is looking out for their best interests! To complicate the purchase in New Hampshire we also have The Shoreland Water Quality Protection Act, who is going to guide you through this maze. You need your own representation otherwise your dream home maybe turn into a show of horrors.  My first recommendation is buy the lake and the location on the lake first. You can always change the home but would will never be able to change the shoreline. Some basic questions should be asked and get some of the answers in writing.

1. What size lake are you looking for?   Do you really need a 4000 acres lake or is 150 acres plenty?

2. Ask if the lake allows motor boats or are there boating restrictions only allowing kayaks and canoes or limited HP motors.

3. Is the lake bottom sandy? What is the shoreline material? Mud?

4. What is the exposure for sunrises and sunsets?

5. Ask if the home is seasonal or year round?   Do you want to use the home in the winter?

6. Is the home in a flood zone?  Flood insurance is expensive!

7. Tell me about the well and septic?  Is the septic a state approved system? Any failures?

8. What is the clarity of the water and are there any weeds?  What is the rating on the lake, Mesotrophic - Uutrophic - Oligotrophic

9. Who maintains the road, is the road plowed in the winter?

10. Are there any services on the lake?  Gas - Restaurants - Marinas

11. What about easements or covenants in the deed?

12. How deep is the lake overall and how deep is in front of the home you are interested in.

13. Can I add a deck or add onto the home?

14. Can I put in a dock or make changes to the existing dock?

If you are looking for a lake property in the New Hampshire area call us so we can add you to one of our many satisfied customers. We have over 600 lakefront homes in inventory from $250,000 to $12 million for a luxury home on Winnipesaukee.

For additional information on lake homes call Lady of the Lake Realty at 1-888-737-5550 or e-mail at info@nhlakesrealty.com or visit our website to view  lake homes in New Hampshire at www.nhlakesrealty.com or www.lakeorskirealestate.com.

Contact us today!