Retiring in Williamsburg Blog

Lifestyles, Community Information. Helping you find your new home

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Buy and Build BEFORE you retire – create your dream in baby steps

Build Your Retirement Home Before You Retire – in other words: Buy (or build) a vacation home now with an eye to retire there.

Buy and Build BEFORE you retire - create your dream in baby steps, Rolf Kramer, Real Estate Agent

By Jeffrey R. Kosnett, From Kiplinger’s Personal Finance, August 2013

Last February, Ken Means bought a 3,000-square-foot home built in the early 1990s on 80 acres of land. Located in the Ozarks near Cabool, Mo., it is six hours from Means’s home near Peoria, Ill., so he can’t go every weekend. But when he can spare a day or two, he works on projects such as building a pond to attract waterfowl. The property is ideal for Means not only because he is an avid hunter but also because all that land comes with a reasonably new house—as opposed to a wreck in need of restoration. Plus, shopping and other basic services are no more than 15 minutes away.

Means, who is 56 and owns a fire-equipment business, says that five years ago he started toying with the idea of buying a vacation home that he could eventually retire to. Now he says he may sell his business in as little as two years—so he can resettle sooner to his spread. Land is cheap in the Ozarks, so his new property set him back less than $300,000, house included. Property taxes of less than $1,000 a year are also low.

The Missouri Ozarks is a low-income area, so there aren’t many locals with the cash to bid up property values. Dollars aside, Means says the smartest thing he did before buying his house was to take the time to look at many properties and talk to residents and real estate agents. He knows he’ll be comfortable living there permanently when the time comes.

“You’ll want to buy something early enough to get it into shape before you do retire,” says Means. “You don’t want to retire and then work your butt off, because that defeats the point.” The remote property is unlikely to attract renters, so he’s not even thinking about a listing. Instead, he has opened the door to his family. His parents recently stayed for two weeks, and his sister and her family will vacation there for a week and a half.

When you’re ready to retire, there’s surely a manicured, gated subdivision with stair-free designs and an unchallenging golf course in your area. And the easiest (and perhaps least costly) decision is to stay in place and carry on, sans the commute (see The Benefits of Aging in Place). Some more adventurous retirees choose to move to a Sunbelt mecca or even to live overseas (see How to Retire Abroad).

But there’s another way: Buy or build a retirement home before you retire. You can enjoy it now for recreation and relaxation, years before you get the gold watch. You can use it as a weekend and holiday retreat, and you can expand or adapt it gradually so it can function as a permanent residence. The home doesn’t have to accommodate every luxury you’d ever want. The location and the lay of the land are the draw.

According to the National Association of Realtors, U.S. vacation-home sales were a relatively modest 469,000 in 2010, rose to 502,000 in 2011, grew to 553,000 last year and will rise again in 2013. Prices are still depressed from the peaks of 2005 and 2006, the two years when Americans bought more than a million second homes. Still, prices rose 24% last year, to a median of $150,000 for existing properties.

With real estate prices booming again, could desirable recreational and resort-area property sell so fast that if you wait even one year to buy, you’ll strike out? Stacy Matherly, the real estate agent who sold Means his acreage, says she is inundated with e-mail inquiries from distant “sofa surfers” who are eager to go home-and-land shopping. David Knudsen, a real estate agent in Liberty, N.Y., says the second-home market generally trails the primary market by six to 12 months. It is definitely on the rebound, if still in the early stages.

Half of all second-home buyers pay cash. But that stat may be misleading because the transaction counts as a cash sale if the buyers draw on a home-equity line on their main residence to pay for abode number two. If you need a mortgage, note that the standards for vacation homes are tougher than for the purchase of a primary home. You will need excellent credit and a down payment of at least 20%. Plan on paying an interest rate on the mortgage that’s a little higher than for a first home.

Brokers who sell property within 150 miles of New York City say that affordable real estate still exists in the region, and buyers are tapping stock market profits rather than taking out bank loans to pay for it. For example, in Sullivan County, in the Catskills two to three hours northwest of Manhattan, there are listings for three-bedroom houses on five acres ranging from $200,000 to $300,000. These houses are rustic enough that you would probably want to invest in some upgrades. Direct water access, whether to a lake or river, and sweeping views pad the price substantially.

Not all preretirees are interested in an existing house, however, especially a dated ranch or bungalow. If you want to build, David Weiner, a New York City architect known for his glass-walled weekend retreats in the Catskills and the Berkshires, says the first and hardest job is finding the land. It can take as long as two years to get local permits. You can also expect to deal with environmental quirks; water and septic conditions are all over the map in rocky places such as Maine and other mountainous regions. In remote southern Colorado, where Weiner has also designed custom homes, people will pay a premium for building sites where there will be 320 sunny days a year to power their off-the-grid solar units.

In the East and Midwest, you’ll pay a premium for proximity to skiing and hiking trails, good roads, and beautiful vistas. Land becomes less expensive about a three-hour drive from a major city. The farther you go, the more land you can get for less.

Some architects will design second homes as small as 1,500 square feet. Weiner says most of his clients prefer a smaller weekend place anyway, because the cost of construction keeps creeping up—especially in rural areas, where the climate can require that the construction withstand storms, floods and wind. The total cost to build can easily reach $250 per square foot; combined with the cost of the land and the architect’s plans, you could be looking at $750,000 for even a pocket-size luxury home in a high-cost region such as New England.

Weiner says you should budget for a 10% to 15% overrun in building costs because something will go wrong, whether it’s a drainage problem or new regulations that magnify the cost of installing utilities. Fortunately, once you’ve acquired land, no one can outbid you. If you decide not to go ahead with the project, you should be able to sell the tract for a profit.

If you’re not ready to cash in your current house, or if you don’t want to or cannot borrow enough against your equity to swing the deal, you may have to negotiate a construction loan with a bank. You can eventually roll the balance into a 15-year mortgage or even pay it off if you profit enough from the sale of your primary residence.

Rent it for income?

To defray the costs of maintaining two homes, you may be able to rent your lair to short-term visitors (see Tax Breaks for Second-Home Owners). Insiders say the rental business is booming in most places, citing a high volume of bookings and rising rents at HomeAway, Vacation Rentals by Owner, Airbnb and other agencies.

In a survey by the NAR last year, more than 90% of vacation-home buyers said they planned to rent their new property within one year, and three-fourths of them expected rents to cover at least half of their mortgage. That’s more realistic now than it was during the recession, but you’re taking a chance if you expect your vacation home to function as an ATM to make the cash-flow numbers work. It’s better to buy or build something you can afford from current resources and shop diligently for the right property and price—even if your heart is telling you to rush to closing right after a memorable vacation.

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rolf kramer, real estate, Williamsburg, VARolf Kramer, REALTOR®, ABR, SRES, e-PRO 757-564-4455 Licensed in Virginia with Liz Moore and Associates, 5350 Discovery Park Blvd, Williamsburg, VA 23188 Williamsburg has become a Mecca for retirees over the past dozen years because of its history, charm, vacation amenities, proximity to major cities and airports, and affordable cost of living. 

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Ready to Buy? Let Rolf Kramer Real Estate Agent Specializing in Retiring in Williamsburg HELP!

You probably have experience buying and selling real estate.  However, if it has been a long time since the last real estate transaction, you may need to learn about some of the things that have changed since your last transaction.  For example, disclosure laws, buyer representation, and reverse mortgage financing are all relatively new for buyers and sellers.  For those of you that may need a refresher, we can provide you with complete information about today’s home buying process.  Here is a great home buying guide to help you understand the current home buying process: “The Perfect Fit, Home Buying Guide“. You can also check out our Buyer ReportsFrequently Asked Questions, and Real Estate Glossary. Buyers no longer need to represent themselves during the home search and purchase, while all agents represent the seller. Smart home buyers today can receive undivided confidential representation by choosing a “Buyer’s Agent.”  Find out more about Buyer’s Agents and how we can represent you and protect your interests during your home purchasing process.

Rolf Kramer, Real Estate

Financing Your Home

The first step has not changed much.  You need to know how much you want to spend. Will you get the money from the resale of your current home? How much can you afford or qualify for?  In today’s financing process it is critical to check your credit report to know your credit worthiness.  Clear up problems, if any, before going to a lender.  A good credit rating will result in you receiving lower interest rates.  Your credit rating will also affect the rates for the property insurance on your new home.  Read more about the New Reality of Property Insurance.

Get pre-approved for a mortgage from a mortgage broker or lender, with a commitment to fund your mortgage in writing.  Ask about the various types of mortgages to find the one that may be right for you.  There are many more options than there were even five years ago.  Once pre-approved for a loan, you will know your price range to begin shopping for real estate.

Finding the Right Lifestyle, Neighborhood and Home

Check out the various lifestyles that Williamsburg has to offer.  Whether you choose an active adult community, a golf course or country club community, waterfront living, urban condominium, suburban single family, or if continuing care is needed, you will find them here.

Determine the type of neighborhood you are looking for.  Do you prefer a neighborhood with lots of trees, one in the middle of town or out in the country?  Would you like to have easy access to a highway?  Do you prefer a community with a Home Owners Association or one without?

Make a wish list of all the specifications you want in your home.  Prioritize the list based on your wants and needs.  Next, mark out those aspects that you are willing to compromise on, in case you need to.  Then start searching for your home. You can search the Williamsburg MLS right from our website, or you can have us do it for you.
Review the property listings that meet your needs.  Select properties to see in person and then tour them with us, your Buyer’s Agent.  Once you have selected the property that best meets your needs, we will generate a Comparative Market Analysis to determine the market value of the property.  We will then write and negotiate an offer to purchase the property.

Closing the Deal

Once the contract is ratified we will continue to represent you and assist you throughout the post-contract procedures.  This will include participating in a professional home inspection, selecting your settlement attorney, obtaining property insurance, contacting utility companies, conducting the pre-settlement walk-through, and the Settlement at your attorney’s office.

rolf kramer, real estate, Williamsburg, VARolf Kramer, REALTOR®, ABR, SRES, e-PRO 757-564-4455 Licensed in Virginia with Liz Moore and Associates, 5350 Discovery Park Blvd, Williamsburg, VA 23188 Williamsburg has become a Mecca for retirees over the past dozen years because of its history, charm, vacation amenities, proximity to major cities and airports, and affordable cost of living. Check out for information about the Williamsburg community, lifestyles available, and search for homes for sale.

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Serious Errors when Retiring – don’t make these mistakes!

The 10 Worst Retirement Mistakes was an article written in August of 2011, for Top Retirement’s magazine. It got so many comments, they revised it, and then revised it, again, down to the Top Six. Then, this month, they came out with a further whittled down list of the Top 6 Mistakes – below are the highlights, adapted from these three articles – read and learn! Then, contact me and let’s see what Williamsburg Communities have to offer the retiree!

The Top 10 Worst Retirement Mistakes, Rolf Kramer, Real Estate Agent, Williamsburg, VA

Don’t make mistakes, when you retire—make it the best year of your life!

The 6 worst retirement mistakes you can make:

  1. Don’t build a dream house. There were several laments in one of our previous surveys from members who found it all too easy to get into building or buying a retirement dream house that got out of control. Only too late did they realize that what they were building was too big for the reality of their retirement. Too big means hard to maintain, heat/cool, and pay taxes on. It might not be set up with enough Universal Design features like one-floor living, no steps, accessible counters, door levers instead of handles, ability to add an elevator, etc. Children or grandchildren don’t come to stay as often as you thought they might, so don’t buy for them. Think about a house with at most 3 bedrooms, with one of those set up as an office. Or better yet, have an office that easily converts to the 2nd bedroom. Use the money you save to take the kids on a cruise. Just for fun, buy or rent the movie, “Tiny, A Story about Living Small“, on Netflix. It’s about the popular movement to very tiny (just over 100 to 300 sq.ft.) houses. While they are probably not for most people over 60, it does show you why you don’t need as much as you think.
  2. Don’t retire too soon. We’ve learned that way too many folks can’t wait to step into retirement, only to realize they miss work. If work is really important to you and you enjoy your job, why should you stop? If you truly hate your job or your boss, make a career shift instead.
    Others find they don’t miss the job so much, but don’t have enough money to enjoy a comfortable retirement. The advice we hear is to postpone your retirement as long as you can – it will give you more time to save more money and build your Social Security benefits – which will give you more money to enjoy in your retirement.
  3. Don’t do any retirement planning before you retire. Sure, it seems like a lot to ask to concentrate on retirement planning while you are still working and have so many irons in the fire. But taken in small doses, you can accomplish important spade work that can improve your future retirement happiness. Here are 2 things that are easy to do along that line. First, take the quizzes in our Free Baby Boomer Guide eBook. We’ve had tremendously positive feedback from members who have used them as a starting point to tease out their own retirement priorities, as well as discuss them with their spouse or significant other. Second, devote a fraction of your existing vacation, weekend, and business trips for retirement scouting. Every time you travel, investigate the towns on your route as a potential “best place to retire”. Look around, ask people questions, take a tour through any active adult communities that might be in the area. Take notes, and even consider a plus and minus spread sheet you can refer back to.
  4. Don’t put your adult children ahead of your retirement needs. You’ve probably made a lot of sacrifices for your children, including putting them through college. They might or might not have turned out as successful as you had hoped, but now your retirement security is more important. Don’t cosign on a loan that jeopardizes your financial future. Don’t give them gifts or loans that are more than you can afford. If you don’t save everything you can now it might mean you have to struggle on a poverty level Social Security benefit. It might be difficult to draw the line, but if you don’t take care of yourself now, no one else is going to.
  5. Don’t buy before you live there. We hear this so often – “If I had just lived there for a while I would have realized….” Sure it’s easy to get caught up in the excitement of a community that seems to meet your every need and desire. But once the reality of living there comes, it might be too late to realize that it’s too far to drive for a quart of milk, that your neighbors have political views very different from yours, that the nearest town doesn’t have the amenities you wish it had, or that the medical resources are scant and far away. It can be difficult, but not impossible to live in a place before you buy. But if you can’t, make multiple visits, read local newspapers online, interview your neighbors and friend who might live there already, and at least take a “Stay and Play” package. Otherwise it is just too risky.
  6. Don’t take care of your health. You’ve heard the expression, if you don’t have your health you don’t have anything. Sometimes it takes a bad accident or sudden heart attack to realize that. But your retirement dreams can go out the window in a second with the diagnosis of a life-threatening illness, or a medical condition that proscribes the activities you want to do. Not to mention the extra expense and hassle that dealing with the condition entails. So for goodness sake, protect your health. Go to the doctor and get the examinations and preventative tests you should. Follow a regular exercise program that your health permits. Cut down your risks: lose the extra weight, stop the smoking, keep drinking within the recommended limits. And we hope that translates into a long and happy retirement for you!

NOTE: When thinking about Number 5, I wanted to mention that Colonial Heritage has a Discovery Package – a weekend in one of the homes so that you can experience the property, the lifestyle, and your neighbors. If you would like to book a Discovery Package, please do so with me; I would love to help you get started with the “before you live here!”

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rolf kramer, real estate, Williamsburg, VA



Rolf Kramer, REALTOR®, ABR, SRES, e-PRO 757-564-4455 Licensed in Virginia with Liz Moore and Associates, 5350 Discovery Park Blvd, Williamsburg, VA 23188 Williamsburg has become a Mecca for retirees over the past dozen years because of its history, charm, vacation amenities, proximity to major cities and airports, and affordable cost of living. Check out for information about the Williamsburg community, lifestyles available, and search for homes for sale.

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$$ Save Money $$ in Colonial Williamsburg

How long have you lived in Williamsburg? Just move here? Planning on moving here? Been living here forever and keep saying that you’ll get down to Colonial Williamsburg to do the tourist thing? Don’t wait any longer! Being a tourist in your own town is very fun and very affordable! This article is about how to save money in Colonial Williamsburg!

Fife & Drum, Williamsburg, Virginia, Rolf Kramer, Real Estate Agent, Williamsburg

Visit Colonial Williamsburg, all year! Be a tourist in your own town – affordably


  • You are a “Local,” now! So, as long as you live within the following zip codes (23089, 23090, 23127, 23168, 23185, 23186, 23187, 23188) you are eligible for a Good Neighbor Pass for just $10—for an entire year!
  • Are you a William & Mary parent or alumni? Get the Collegiate Pass
  • Of course, there is a Seniors Pass
  • When friends are visiting, buy an Annual Pass to get the best value (and admission for an entire year, so they can come visit, again! ) with additional perks like special behind-the-scenes tours and discounts on most evening programs.

Got Visitors Coming?

  • Count on getting the best available rate at official hotels.
  • Hotel packages are another great option–with rates and inclusions (think everything from tickets to ghost tours to golf and spa) that vary seasonally.

Save on Meals

  • Celebrate Williamsburg Restaurant Month with amazing deals on dining in the Terrace Room and Traditions.
  • With your Good Neighbor Pass, ? Itake a 10% discount at select dining and snack locations, within Colonial Williamsburg.
  • Be a tourist in your own town! Take advantage of Taste of a Tavern hotel package and get stay, admission tickets, daily breakfast, and a two-course tavern dinner for one great rate.
  • Purchase a 2015 Souvenir Refillable Mug for $13 and enjoy coffee and soda – unlimited refills of hot and cold beverages throughout the Revolutionary City (excludes alcohol).

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rolf kramer, real estate, Williamsburg, VARolf Kramer, REALTOR®, ABR, SRES, e-PRO 757-564-4455

Licensed in Virginia with Liz Moore and Associates, 5350 Discovery Park Blvd, Williamsburg, VA 23188

Williamsburg has become a Mecca for retirees over the past dozen years because of its history, charm, vacation amenities, proximity to major cities and airports, and affordable cost of living. Check out retiringinwilliamsburg.comfor information about the Williamsburg community, lifestyles available, and search for homes for sale.

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Mortgage Mystery Unraveled

You have finally decided on where to buy, when to buy, and that you are READY. Now is the time to secure your mortgage. Mortgages are probably the most crucial piece to buying, selling, or just plain OWNING a home.

And, honestly, they are not as hard to understand as you might think. With a little homework, you can make the best financial decisions.

house money

Definition of Mortgage: A mortgage is a loan, with your house and land used as security; if you don’t pay back the loan, the lender forecloses on your home. The loan is secured by a lien (the “mortgage”) against the property:  your buildings (improvements) and land. The lender doesn’t own the house, you do. They just have the lien with your house as their collateral (i.e., the security). The bank (and I can give you a good idea of this figure) will help you figure out what you can actually afford and what you can borrow. The lender (the bank) is not going to look at how much your discretionary spending is a month or what amount you’ll be comfortable in spending a month. Most lending institutions are very willing to loan you MUCH more than you think you can spend, on your mortgage. Only you know how much flexibility your lifestyle or spending has. The lender looks at 1) your income 2) your debt 3) your savings and 4) your credit history. These things tell the lender your RISK potential (how likely you are to stop paying, pay late, etc).  After assessing the risk, the lender then looks at the value of the property you are looking to buy and then assigns an interest rate depending on 1) your risk 2) how much you are putting down (your down payment) and 3) value of the property.

So many kinds of mortgages; why? Don’t get confused. Ask yourself: Is this your forever home? Will you trade up in 5 years? Then, you can narrow your mortgage choices.

Why does how long I will live there matter? Because once you narrow your choices of mortgage types, it will help you decide if you want to pay down points (interest points), upfront – this can lower your monthly cost, but it will increase the money that you have to bring to the table (the closing table) and it won’t be part of the down payment.

So, for instance:

  • If you are going to stay in your house and pay off your mortgage over its lifetime, get a fixed-rate loan (payments will not change)
  • If you won’t be in the house that long, you could consider an Adjustable Rate Mortgage, as those usually start at a much lower rate.
  • If you think your income potential will go up, there is an option of a hybrid ARM that is fixed for, say, five years, and then adjusts annually.

Points Demystified. The lender may charge points (each point is equal to 1% of your home loan amount), and required third parties charge for their services, which increases the cost of the loan. If you sell your home in a few years and have paid points to get a better interest rate, you may not recoup the cost of those fees. And your equity in the house will be minimal, but you are betting the home will appreciate enough to cover the fees, or that the money you save in interest will balance out the additional cost of the loan. If you stay in the house longer than you expect, you take the risk that you can’t afford the higher payments as the interest rates adjust, or you risk not being able to refinance. It is EITHER higher rates with lower points or lower rates with higher points. The key is to compare different types of loans to see what works for your needs. NOTE: Never pay more than 1 to 1-1/2 points to a lender (unless you have bad credit or you are buying a great interest rate.)

Find today’s rates by checking Zillow Mortgage Marketplace, which offers rate quotes for free, and anonymously. And, you may not qualify for some of the “teaser rates” that you’ll see advertised, online.

Talk to at least two different lenders to see who has the better loan program for you and who listens to your needs. If you do not understand something, ask your loan officer to explain it to you. Then, keep asking until understand it. When the lenders quote you rates, it will be for interest only, so ask to see the Annual Percentage Rate (APR) as rates are shown as a percentage and an APR adds up the interest, points and fees in an effective annual rate. Then, compare the APR on two identical loans and choose the one with the lesser rate.

Definition of Amortization: Amortization is a true measure of what you are paying per year against your loan. A loan has a life of 15 or 30 years and you pay in installments. The principal (the loan amount) decreases, each month, until the loan is paid off at the 30th year. Each payment is even and spread over the 30 years, with the interest payment of each payment being much higher than the principal (at the beginning) and the principal making up the majority, by the end of the term. The Amortization Schedule shows the payments for the life of the loan, including interest. NOTE: If you pay your house payment every two weeks, instead of monthly, it results in 26 payments per year, one more payment annually than if you just paid monthly. The re-amortized loan will eventually result in more of the payment paid on principal and less on interest. The extra payments go to pay down the principal on the loan.

With all these tips, you have to now ask about Prepayment Penalties, because I hope you are able to pay off the loan before maturity and save interest payments. Some lenders charge a penalty if you pay off early, which could be as high as six months of interest! Why would you consider a loan with a prepayment penalty? Because some lenders will offer you a much lower interest rate if they know you’ll be sticking around for a full 30 years. And, there are situations where accepting a prepayment penalty on a loan can save you thousands of dollars in interest.

Finally, what is mortgage insurance? and do you need it? If you are making a 20% down payment, you’ll have to have Private Mortgage Insurance (or PMI), which ensures that the lender is guaranteed, by the mortgage insurer, 80 percent of the loan if you default. NOTE: If you are getting an FHA or VA loan, those are backed by the government and you may not pay monthly mortgage insurance on them.

In the end, getting the mortgage paperwork out of the way, a little earlier (before shopping for a home) can make life easier for everyone. Once you find your home, you can close faster because you are already conditionally approved and have been through underwriting. This makes you stand out in a highly competitive market. It also helps me narrow down the choices of what to show you and what to be searching for.  Let’s start working together, soon. Contact me, today, and let’s find you your home!

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rolf kramer, real estate, Williamsburg, VA



Rolf Kramer, REALTOR®, ABR, SRES, e-PRO 757-564-4455 Licensed in Virginia with Liz Moore and Associates, 5350 Discovery Park Blvd, Williamsburg, VA 23188 Williamsburg has become a Mecca for retirees over the past dozen years because of its history, charm, vacation amenities, proximity to major cities and airports, and affordable cost of living. Check out for information about the Williamsburg community, lifestyles available, and search for homes for sale.

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Where to buy consignments, in Williamsburg – Summer 2014

Below is a listing the various antique and consignments shops available in the greater Williamsburg area, from the July issue of Williamsburg Magazine. Many of these shops will keep a look out for requests in future consignments.  One I recommend a lot to my retiring in Williamsburg clients is Classic Consignments Furniture and Accessories.

  • Aladdin Consignment & Rugs Come browse our eclectic mix of furniture and accessories. You’re sure to find that focal piece to transform your room from fine to fabulous. 7131 Merrimac Trail, Williamsburg. 757 206-1665.
  • Antique & Estate Items of Williamsburg  Joe and Wilma McFaden are 25 year veterans in the antique business. They have seen fads come and go, but good antiques are never out of fashion. The store specializes in furniture, antique tools, guns, knives and military items from pre-Civil War to World War II, glassware, china, silver, primitive quilts, crocks, old shutters, fireplace items and more. 7405 Richmond Rd., Suite B & C, Williamsburg. 757 565-3553.
  • Charlie’s Antiques and Consignments invites you to visit their 8000 sq.ft. showroom featuring antique and oriental furniture Charlie has handpicked from his travels to Asia. 6500 Richmond Rd., Williamsburg, VA 757-566-8300. Visit our 7766 Richmond Rd., Toano location for Garden Statuary and exotic natural landscaping stones.
    Chickadees offers a delightful array of furniture, accents and home décor. New items arrive daily. Chickadees is located in the Pavilion Shops at 6514 Richmond Rd. 757 645-3365.
  • Classic Consignments Furniture & Accessories offers a changing selection of transitional and traditional wood and upholstered furniture, lamps, accessories, china, glassware, artwork and carpets. Open Mon.–Sat., 10am- 5pm. The Village Shops at Kingsmill. 757 220-1790.
  • The Clothes Tree We sell new or slightly used women’s and men’s clothing in a variety of sizes. Name brand purses, jewelry, scarves, hats, belts & shoes. CONSIGNMENTS BY APPT. 170A Second St., Williamsburg. 757 220-2119. Hours Mon.-Sat. 10-5, Sun. 11-4. We handle estate sales by appt.
  • DoveTail Antiques  Voted one of the “Best of Williamsburg” for the last 6 years with the finest selection of formal/country furniture, porcelain, glassware and accessories in Williamsburg. DoveTail always carries 150+ antique clocks, radios, music boxes and pocket-watches. We buy quality antiques. Visit us at 6588 Richmond Rd, 757-565-5600.
  • Elegantly Eclectic, is a consignment shop mixing a complimentary eclectic style, an elegant vibe to any home décor. 7191 Richmond Rd. Unit A, Williamsburg. 757 603-6662. Like us on Facebook – Look for Elegantly Eclectic.
  • Heritage Antiques This beautiful antique store is filled with furniture from end to end! You will find antiques dating from 1800s on up. Many accessories fill the store, including a large array of Period Lighting. Open Thursday through Saturday, other days by appointment. 903 S. Church St., Smithfield. 757 356-1055.
  • High Cotton, Ltd. Specializing in turn-of-the century antiques and estate linens. Bedroom and dining room displays of furniture, crystal, china, silver and fine linens. Offering European Laundry Service for all your fine linens. 1490-5I Quarterpath Road, Williamsburg 757 258-3300.
  • Merle Norman, Wigs & Handbags Stop in for a complimentary makeover or just a new lipstick!  Browse our selection of over 200 consignment handbags including Coach, Dooney & Bourke, Vera Bradley, etc.  Check out our wigs, turbans, hair wraps, etc.  Ear piercing is $29.99.  M-F – 10 – 5:30, S 10 – 3.  757-220-0053
  • Mermaid Books, Since 1977, has been known for new, used, rare books, antiques and ephemera. Featuring; Virginia and colonial history, poetry, art, cookbooks & children’s books. Open Daily; 10 to 5 and Sundays noon to 5. 421-A Prince George Street, 757-229-3603
  • Oriental Rug Mart- Persian Rugs Save 50-75% on over 1,200 new and antique handmade oriental rugs. Wool and silks from Persia, India, Pakistan and China. Sizes from 2’ X 3’ up to 12’ X 18’. The BEST prices in town! 6516 Richmond Rd. Route 60, Williamsburg. 757 565-2065.
    Stick, Stone and Bone has wonderful gifts to soothe body, mind and spirit with a delightful blend of tumbled stones, sterling jewelry, votives, sage & dreamcatchers. We also have antique and vintage heirlooms. Come in…be surprised…discover your secret treasure.1675 Richmond Road, Williamsburg  757 258-8810
  • Sugar & Spice Consignment Boutique Children’s, Juniors & Maternity Clothing, Toys, Baby Furniture & Accessories, Gifts, Books, School Uniforms & Everything Nice. Children’s play area. Thank you for  voting us one of “The Best of Williamsburg.” Hours: Mon-Sat 10am-5pm. Richmond Rd in the Pavilion Shops  757 220-1661.
  • Toano General Store/Thrift Depot Side by side @ 7960 Richmond Rd. & 100 Depot St. in Toano 757-566-3696 & 757-566-1616. Stop by for everyday supplies- ammunition/bait/tackle/gardening/snacks/soda & candy to Vintage Goods & antiques.
  • The Vintage Rabbit Home Décor & Consignment. We consign quality furniture and home décor, and are dedicated to making your consignment or purchase a pleasant one. 240 McLaws Circle, Suite 117. Marketplace Shops at Kingsmill. 757 903-4083. Find us on Facebook.
  • West Point Antiques Seven blocks down Main Street in historic West Point, you’ll find a diverse array of antiques and collectibles. Over 35 dealers. Our 4,000 sq.ft. shop showcases antiques, retro items, glassware, china, furniture, and more. Open daily. 706 Main St. I-64 Exit 220, West Point. 804 843-4369.
  • Williamsburg Antique Mall One of Eastern Virginia’s largest antique centers, featuring 45,000 square feet of space & 300+ dealers. A one-story facility with easy handicap accessibility. La Petite Tea Room. Centrally located just off the Route 199 Bypass near the Pottery Factory and outlet centers. Open Mon.-Sat., 10 a.m.-6 p.m.; Sun., Noon-5 p.m. Visa and MasterCard accepted. 500 Lightfoot Rd.,Rt. 646. 757 565-3422.

Copyright © 2014, Williamsburg Magazine

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rolf kramer, real estate, Williamsburg, VA



Rolf Kramer, REALTOR®, ABR, SRES, e-PRO 757-564-4455 Licensed in Virginia with Liz Moore and Associates, 5350 Discovery Park Blvd, Williamsburg, VA 23188 Williamsburg has become a Mecca for retirees over the past dozen years because of its history, charm, vacation amenities, proximity to major cities and airports, and affordable cost of living. Check out for information about the Williamsburg community, lifestyles available, and search for homes for sale.