All meetings at the Clubhouse at 7 PM
December - No Meeting
DID YOU KNOW...
At the April HOA meeting, approxi-
mately eight people (not a typo) de-
cided how to spend $80,000 of the
community budget.....Please join us for
the next meeting!
The playground has been a project isting smaller wooden piece of The equipment is made by GAME
that the community has put as a equipment and is designed for -TIME, sold to us by West Recrea-
priority. Last year we replaced younger kids, ages three through tion, and installed by Custom Park
the larger wooden playground ﬁve 5. The new piece is made by Services. The total cost, including
equipment with a maintenance t h e s a m e m a n u f a c t u r e r, a n d installation, was $6,985.68. We
free piece designed for kids ages matches, color wise, the larger hope you and the Chapman Farm
six through twelve. This summer piece installed last year. A new families get a chance to enjoy the
we replaced the smaller piece. (see layer of wood chips was installed new equipment for years to come.
above picture) It replaces the ex- for safety reasons.
CHAPMAN FARM HOME OWNERS ASSOCIATION MANAGEMENT COMPANY
Professional Community Management, Inc. - PROCOM
Scott Davis - CMCA, AMS
1111 Benﬁeld Blvd. Suite 110
Millersville, MD 21108
410-721-0777 ext. 106
Visit our website for directions: Procomgt.com
ARE WAREHOUSE STORES SAVING YOU MONEY?
COSTCO, SAMS CLUB, AND BJ’S all have local include paper goods, beverages, pharmaceuticals,
stores in our area. Are they really saving us money? electronics, and canned goods.
The answer is maybe, but only if you’re a smart In terms of perishables like meat and vegetables,
shopper. Many consumers pay annual membership you’re better oﬀ taking advantage of in−store sales at
fees to warehouse stores in hopes of saving money the market. If there’s a great deal on sirloin at the
through buying in bulk and reducing their visits to store, buy it in bulk and freeze it. And don’t forget,
the grocery store. However, bulk items are not al- clipping coupons is a big help; but only if you use
ways cheaper; and the need for certain perishables them for items you’d buy anyway.
will still result in trips to the supermarket.
What’s the solution? Visit warehouse stores with a
shopping list, and do your best to stick to it. Con-
centrate on items which are usually good buys. These
ARE UTILITIES COSTING YOU EXTRA?
tions available that are not only Then visit a website such as
easy, but inexpensive as well. w w w. s a v e o n p h o n e . c o m or
www.phonedog.com and see if you
Begin by gradually replacing all can ﬁnd a better long distance
light bulbs with long−lasting en- rate.
ergy savers. Next, replace all
shower heads with low−ﬂow ver- Lastly, most utility companies of-
sions. Make a concerted eﬀort to fer online audits explaining many
turn oﬀ electrical appliances like of the money−saving options avail-
The BG&E rate increases have
lights, TVs, and computers–or able. If your company doesn’t, log
eﬀected all of us. It is important
even just the computer moni- on to http://hes.lbl.gov for a simi-
that we do everything we can to
tor–when not in use. The idea that lar audit. Believe it or not, making
save money each month.
it uses more energy to turn on an the above changes can save you
appliance is false. hundreds of dollars each year.
Many of us are spending far more
on our utility bills than we should. Also, you may want to take a good
The good news is there are solu- look at your next telephone bill.
MINI VACATIONS, MAXIMUM SAVINGS!
Vacations are an essential part of life. If budget and time constraints are keeping you from getting away, why
not try a mini vacation? They last anywhere from 1 to 3 days and require fewer resources. A one day trip is
limited only by your imagination and can include picnics, hikes, and trips to neighboring cities or attrac-
tions. Entertainment in the form of museums, carnivals, and art fairs usually cost very little and can be fun
for the whole family. Two to three day trips are slightly more involved but oﬀer even greater possibilities. If
you’re spending a night in a hotel, consider ordering an in−room movie. It’s less expensive than taking the
family to the theater, and there’s a range of genres to choose from. During the day, take advantage of things
like complimentary breakfasts and discounts oﬀered by the hotel. Lastly, when choosing your destination,
consider moving in the opposite direction of the crowds. A trip to the mountains in the summer, or the
beaches in the fall or spring, is a good place to begin when looking for a great deal.
SELLING YOUR HOME IN THE NEAR FUTURE.
Real Estate has drastically when selling your home. The campaigns. Another important
changed in Chapman Farm and same house in better condition fact when listing your home with
Crofton over the past year. There will always sell faster. Location. an agent is negotiating the
was a time when all a seller had to A house in a better location in the commission. In the past a 6%
do was put a sign in their yard and neighborhood will sell faster. commission was standard. Due to
the next week their house was Upgrades and Improvements. competition and other factors
under contract for asking price or A home that has upgrades and commission in Chapman Farm has
more. Those times have changed. improvements will sell faster than been closer to 5% than 6% over
There are currently homes listed one that doesn’t. Price. The most the past few years.
for sale in Chapman Farm for important factors that aﬀect your If you opt to sell your home on
more than 120 days and the ability to sell your home is price. your own some agents including
average time on the market is over The price of the property will myself will be glad to give you
95 days. This can really cause the always aﬀect the ability to sell some material to help you with
sellers some stress if they have your home. If a home is over your endeavor.
purchased a new home non priced it will not sell and if a house
contingent. It is important if you in underpriced it should sell fast. Selling your home can be a
are buying a home that you take very stressful process if you do not
If you opt to use a Realtor to have professionals helping you
into account the fact that your list your home, make sure that you
home may be on the market for w i t h e v e r y s t e p . Ma ke t h e
use one that has all of the tools to decision that best suits your needs
longer than you thought and you sell your home. Some of the tools
might not net as much cash out. and desires.
that we use at Re/Max Prestige are
There are a few things that M L S l i s t i n g , Vi s u a l To u r s , Call me if you have any Real
will eﬀect your ability to sell your C o m c a s t T V a d v e r t i s i n g , Estate question. Susan Martyn at
home faster than the average. brochures, call capture, local 410-974-4733 or on my cell phone
Condition. Property condition m a g a z i n e a d v e r t i s i n g , o p e n 443-790-7595.
is always a very important factor houses, and agent to agent email
1.5 % Listing Certiﬁcate
List your home or property with Susan Martyn and Re/Max Prestige and get full time, full service
real estate services while saving thousands. Why pay 2.5% to 3% for the same service? I use all
of the tools that top Realtors use to sell homes. Call me and let me compete for your listing.
Re/Max Prestige and Susan Martyn
Ofﬁce: 410-974-4733 or Cell: 443-790-7595
Diﬀerent commission rates, fees, and listing and marketing services may be oﬀered
by other Re/Max franchises and Sales Associates serving this market area.
Re-districting is a topic that is in the news in Anne Arundel County this year. The School Board is
thinking about re-districting the current public schools in our area. It is important that you are aware of
this because the school district that our children go to, most importantly aﬀects your children, but also can
have an eﬀect of the value of our homes. We need your help. We are looking for volunteers for a new
Education Committee to attend all School Board, County, and Community Education Forums.
We Need to Voice Our Opinions on
Arundel Middle School
Crofton Middle School
HOA Board is seeking to create an Education Committee.
We need a chair and other volunteers to attend meetings.
The Severna Park area is being heard!
Shouldn’t we have a voice in what happens
to our kids education and our home values!
Call Scott at Procom to volunteer.
In an eﬀort to continue to ensure safety within the Community, the Chapman Farm Traﬃc
Committee continues to work with the Counties Traﬃc Engineering Department. The
County Traﬃc Engineering Department has completed the traﬃc speed data collection re-
quested by Chapman Farm Traﬃc Committee. The County collected speed measurements
at ﬁve locations using road tubes. The tubes were put in place on April 24, 2006 and picked
up on May 1, 2006. The results are as follows:
Price Road between Clarks Court and Turneys Court
50-percentile speed - 28 mph
85-percentile speed - 34 mph
Pearl Avenue between Maynard and Price
50-percentile speed - 28 mph
85-percentile speed - 30 mph
Maynard between Pearl and Walden Drive
50-percentile speed - 24 mph
85-percentile speed - 28 mph
Pearl between Shawn and Elton
50-percentile speed - 27 mph
85-percentile speed - 30 mph
Chapman Road between Brite and Sabra
50-percentile speed - 28 mph
85-percentile speed - 33 mph
The data reveals that traﬃc speeds in these areas do not exceed the 50-percentile speeds
above 5 mph of the posted speed limit (25 mph) required to warrant speed humps. The
Traﬃc Committee will continue to work with the County to ensure the safety of the resi-
dents of the community.
**Please remember school has started, children will be at the bus stops,
crossing the streets, and playing in our community more often - Please
slow down. We would hate to see a tragedy in our Neighborhood**
Over the past few years, homes in Chapman Farm have tremendously increased in value. This increase in
value has given many homeowners opportunities that they never have had in the past. The ability to use the
equity in your home has allowed homeowners to consolidate bills, perform home improvements, and buy
cars. These very important features are all well and good, however the most important thing that is missing
is the ability to be safe if something catastrophic happens to your ﬁnancial situation and your ability to pay
Many homeowners believe home equity is a convenient nest egg from which they can always access cash
when needed. However, in a time that you really need it, many of you will suddenly realize that, no matter
how much equity you have, it is not as liquid as you thought. Safety is one of the most important reasons
why you should open up an equity loan.
Please review this real life example. Mr. and Mrs. Jones live in Crofton, he works and she takes care of their
two children. They have seen their property values more than double in the last 8 years. They bought
their home for $235,000 in 1998 and it is now worth $650,000. They currently have a mortgage payment of
$1,650 with a balance of $200,000. ($415,000 in home equity) They currently only have a ﬁrst mortgage on
the property (no equity loans). Mr. Jones has just been notiﬁed that his job of 10 years has been eliminated
and has four weeks severance pay. They have about $7,000 in savings and $70,000 in his 401k. This is very
scary considering not only do they have a ﬁrst mortgage payment, but they also have 2 credit cards and a car
loan. The amount that they have in savings will last them about 3 months. If they would go to a mortgage
company or bank now to try to get an equity loan, they would be turned down due to no job, hence no abil-
ity to pay the monthly payments. This all could have been avoided if they had taken out a home equity line
of credit for $100,000 when things were normal. Thus giving them the ability to pay all the bills for a long
period of time, allowing Mr. Jones to ﬁnd the job of his choice, and not having to take a job he doesn’t like
out of necessity. Making the wise decision to open a no cost home equity loan, not using it until you have
to, could save you in times of need.
Managing your equity allows you to be in a position where you can act upon opportunities, rather than be
forced to react to situations. I believe that everyone that has equity in their home should have an equity
line, whether you think you need it our not. It doesn’t cost anything to get and could be a life saver if you
ever need to use it. If you currently have an equity loan now, it is the perfect time to increase your equity
line to be more protected.
Call me, Rick Gloekler of Fairway Mortgage, at 410-721-3300 x11 today or apply online at RickGloekler.com
and GET PROTECTED! Fairway Mortgage is a Crofton Mortgage Company with great FREE Home Eq-
VISIT OUR COMMUNITY WEBSITE
Find out what is going on in our neighborhood!
Message boards for community comments!
The Chapman Farm Social Committee has a new chair. Carrie Scheidt has volunteered to head the
committee. Thank you Carrie for volunteering. The Social Committee meeting will be held on Octo-
ber 9, 2006 at 7:00PM at the club house. Any Chapman Farm residents that would like to help out are
welcome. The social committee tried to have a movie night at the end of the summer, but unfortu-
nately the weather did not cooperate with us. The committee will try to do this again at a later date.
Chapman Farm will have its HALLOWEEN SPOOKTAKULAR on Sunday, October 29th. The
fun starts at 3:30PM at the club house parking lot with a short parade followed by a few fun fall crafts at
the club house. If weather prohibits the parade, crafts will still be done at the clubhouse. All are wel-
come to attend. If any one wants to contact Carrie, she can be reached by email at
The fence replacement project is currently underway. It should be close to completion by the time that
you get this newsletter. Mid Atlantic Deck and Fence, a local company, has been contracted to do the
work. The cost of this project is $74,090. The fence is being replaced due to a maintenance issue. The
Association would have to spend approximately $22,000 every 2-3 years to paint a wood fence. Replac-
ing it with a vinyl fence will require only a power washing every 6-7 years. This project should make the
entrance to our community look much better than it has ever looked.
The community was monitored for adult mosquitos every Monday after 7:00P.M this summer. It ap-
pears that the Mosquito program is working, due to the lack of complaints about mosquitos at the
board meetings. If this is not correct, please come to the meetings and let your voice be heard so that
we can use other means to help with the problem.
HOA COMMITTEE OPENINGS
Is there a speciﬁc community concern that you have? There is probably a committee designed to ad-
dress it! Please consider volunteering for one of the many committees currently in need of chairman-
ship and members. Contact any member of the current Chapman Farm HOA Board of Directors to
volunteer for the following committees:
We are also looking for additional Board Members to ﬁll the vacancies.
NEW TODDLER PLAY GROUP
A new Chapman Farm Toddler Play Group is being formed. It will be held on Thursdays from 9:30 -
11:30AM. It will be held at Jen McKee’s home at 2712 Bains Court. Please contact her to let her know
who will be attending. Her information is as follows: Email: email@example.com, Home phone
410-451-6460 and cell phone 410-353-3350.
SUPPORT YOUR NEIGHBORS
Fairway Mortgage Corporation Diplomat Cleaners
Purchases and Reﬁnances For all of your Dry Cleaning needs.
Debt Consolidation FREE Dry Cleaning Pick-up and
Home Improvement Delivery in Chapman Farm
410-721-3300 x ll
Tastefully Simple Advanced Tele-Com
The nation’s original home taste-testing company! Tastefully Business Telephone Systems
Simple offers over 30 upscale, easy to prepare gourmet
food for people who like to eat - even if they don’t Sales, Service and Repair
necessarily like to cook. Voice Mail Systems
Taste-testing parties are fun, free, and a wonderful way to Voice Over IP
get together with friends. Career Opportunities.
Voice & Data Cabling
Sherriel Sullivan 301-261-3315
Tastefully Simple Independent Consultant Ed Twomey
Re/Max Prestige Creative Memories
Chapman Farm Listing Special Nancy Kobel
List your home for only 1.5%
Calculate the savings.
Susan Martyn - Realtor
If you are interested in advertising in The Chapman Farm Newsletter,
please contact any HOA Board Member for information.
Chapman Farm Home Owners Association
Current Board Members
Member at Large:
Chapman Farm Police
AA Co. Western District
410-222-6155 - Ask for Sgt. Peterson’s Voicemail
410-222-8610 - Non-emergency
To report vandalism or a crime not currently in progress.