C&C Title & Settlement, LLC

09/06/2026

🏡 NEW REAL ESTATE AUCTION | MECHANICSVILLE, VA
Historic Home on 10.41± Acres
👉 Browse the property photos, review the auction information, and register to bid: https://bid.grindstaffauctions.com/ui/auctions/168670

Looking for acreage, character, and a property you can make your own? This one deserves a look.

Located at 8406 McClellan Rd in Mechanicsville, this circa-1900 home offers 2,370± SF, 3 bedrooms, 2 full baths, and 10.41± acres in Hanover County.

The home is currently in various stages of renovation, but take a look at the details that remain: hardwood floors, fireplaces and mantels, decorative columns, substantial millwork, tall windows, exposed brick, a wide covered front porch, and plenty of the character you simply don't find in newer construction.

For the right buyer, there's a LOT of potential here. Restore it. Renovate it. Put your own vision into it. And with more than 10 acres, you're getting much more than just the house.

👀 OPEN HOUSES
Friday, September 25 | 12:00–2:00 PM
Saturday, September 26 | 12:00–2:00 PM

⏰ ONLINE BIDDING ENDS
Friday, October 2 at 12:00 NOON

📍 8406 McClellan Rd, Mechanicsville, VA 23111

👉 Browse the property photos, review the auction information, and register to bid: https://bid.grindstaffauctions.com/ui/auctions/168670

If you've been waiting for a Mechanicsville property with acreage and historic character, don't overlook this one.

Grindstaff's Auction Marketing Group

09/04/2026

Office closing at noon and will be closed thru Monday!

08/31/2026

🧱 A home can pass to your heirs six ways, and each one handles probate, the step-up in basis, and Medicaid estate recovery differently.

A will is the default, but a home that passes by will alone goes through probate, which is public, can take 6 to 18 months, and costs 3% to 7% of the estate in many states.

A revocable trust avoids probate and keeps the full step-up, and whether it shields the home from Medicaid recovery depends on your state: about half reach only probate assets, and the rest can reach assets held in a revocable trust.

Joint tenancy avoids probate but the step-up is only partial, on the deceased owner's share, except in the nine community property states, where a married couple can get a full step-up on both halves.

A transfer-on-death deed names a beneficiary on the deed, passes outside probate with a full step-up, can be revoked anytime, and is available in about 30 states, while a Lady Bird deed does the same and may reduce recovery risk in about five states, including Florida, Michigan, and Texas.

An irrevocable trust can keep the home out of both probate and Medicaid recovery, but you give up control, the transfer starts a 5-year lookback for Medicaid eligibility, and the step-up survives only if the trust is drafted to keep the home in your taxable estate.

The step-up matters more than most people expect: a home bought for $150,000 and worth $450,000 at death passes with a $450,000 basis if the step-up applies, and without it the heir faces $300,000 in taxable gain on a sale.

Which of these have you actually set up, or are you still counting on a will?

P.S. Once a week, I email the best money article I read, with my take on this week's top Facebook posts and what's new on the Ways to Wealth blog. It's free, and you can sign up on the Ways to Wealth home page.

R.J. Weiss, CFP®



The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.

08/21/2026

08/01/2026

One extra mortgage payment each year won’t cut your loan in half, but it could still save you more than $100,000 in interest.

Using a $400,000 mortgage at 6.5% over 30 years, the normal principal-and-interest payment is about $2,528 per month.

Without extra payments, you’d pay roughly $510,000 in interest over the life of the loan.

Add one extra full payment each year and direct it to principal, and the mortgage could be paid off in about 24 years instead of 30.

That’s roughly six years of payments erased and around $116,000 in interest avoided.

The key is making sure your lender applies the extra money to principal rather than simply advancing your next payment due date.

You could make one lump-sum payment each year or divide the amount across all 12 months. In this example, that would mean adding about $211 to each monthly payment.

Paying extra isn’t automatically the best move for everyone.

If you have high-interest debt, no emergency fund, or a very low mortgage rate, those dollars may have a better job elsewhere.

But for homeowners who value a guaranteed reduction in interest and want to enter retirement without a mortgage, one additional payment each year can make a meaningful difference.

You don’t need to double the payment.

You need a consistent strategy and a lender that applies it correctly.

07/13/2026

Thomas Jefferson's boyhood Virginia home near Richmond is now for sale, listed for $17 million ⬇️ Details in comments.

07/01/2026

Our office will be closed Friday, July 3rd in observance of July 4th.