Moving to Lakes Region later this summer

Oregonrain · 03-06-2014, 03:14 PM

Hi all! I've been reading through the forums since my husband and I decided to move to the Lakes Region. My husband is a Lynn, MA native. I've grown up in the great Pacific Northwest. I have lived in some states back east, but as that was when I was less than 5 years of age, I don't think it counts... besides I lived in Air Force bases that are no longer in commission.

We are planning to move later this summer as there is a lot that needs to be done here before we can make the move. We've been looking at all of the Lakes Region, but I find myself drawn to Ossippee and Wolfeboro the most. I love being able to watch the Weirs Cam every day as this allows me (a rainy Pacific Northwest woman) to see what kind of weather you get back there. I must say the amount of snow is rather intimidating... right now, we have trees leafing out and daffodils blooming and you're still under a ton of snow!!

When does the first snow fall? I'd like to be moved and settled before then. Thanks everyone for the forum and all the wonderful information on it!

camp guy · 03-06-2014, 03:24 PM

If I remember right (and that is questionable), we had 2 feet on Hallowe'en 2 years ago. Of course, this was very unusual.

I guess I would have to suggest being all moved by the end of October, just in case the weather did do something silly like snow.

Since you have been reading the postings on this site about moving, you should have a pretty good idea about some things. Good luck to you.

Merrymeeting · 03-06-2014, 03:49 PM

Yes, it does happen that it snows in October, and some in November. But when that happens, it usually doesn't last, and that is not the norm.

I'd say you want to be here by Oct 1st. But that's only because Fall here is beautiful and you would be here for the foliage that many travel from all over to see.

But if avoiding snow during a move is the concern, most years you would be ok at least through Thanksgiving.

Jeanzb1 · 03-06-2014, 05:10 PM

Welcome to the Lakes Region! We are originally from North Andover, MA but moved into our Florida condo back in 2008. We spent six months in Florida and six months renting on the Big Lake and LOVED every single day! Finally, we decided last year that we would sell the Florida condo and buy a year-round house up here, which we did. We bought the house in August but didn't move in until October. We're in Gilford with water access, only a stone's throw from the lake. Yes, we liked Wolfeboro, too, but Meredith and Gilford were so much more convenient as far as groceries, Lowe's, etc. etc. My recommendation would be to rent a place for a year or so before you buy a home in a town that you're not very familiar with. That way you will find your niche before you buy! I wish you well!

RLW · 03-06-2014, 05:19 PM

Oregonrain, I just noticed that you are fairly new to posting on the forum and glad you have joined us. Have fun and enjoy the Winni Forum while making many new friends.

I believe you will enjoy your decision on coming to the lake region.

Irish mist · 03-06-2014, 05:59 PM

You might want to take Jeanzb1's advice and look at renting for a year before you buy. Until you are in the area it's difficult to get a feel for what each town is like. Good luck

MAXUM · 03-06-2014, 06:31 PM

Do yourself a favor and watch the tax rates in each town. Some are far worse than others.

tis · 03-06-2014, 06:58 PM

Quote:

Originally Posted by MAXUM

Do yourself a favor and watch the tax rates in each town. Some are far worse than others.

Yes, Oregonrain, you mentioned Ossipe and Ossipee is a higher tax town.

Mr. V · 03-06-2014, 07:00 PM

Have you been back to the Lakes Region yet?

I fly back to visit family every couple of years, and am always startled by how different things are in NH than "back home" in the Pac NW.

For example, there are few old cars and trucks, as they rust out quickly.

Many more American cars than imports, unlike out west.

Nice place to visit.

Oregonrain · 03-09-2014, 02:18 PM

Quote:

Originally Posted by Mr. V

Have you been back to the Lakes Region yet?

I fly back to visit family every couple of years, and am always startled by how different things are in NH than "back home" in the Pac NW.

For example, there are few old cars and trucks, as they rust out quickly.

Many more American cars than imports, unlike out west.

Nice place to visit.

I've never been to the Lakes Region. My husband used to camp there when he was younger.

Oregonrain · 03-06-2014, 08:55 PM

Quote:

Originally Posted by MAXUM

Do yourself a favor and watch the tax rates in each town. Some are far worse than others.

I've been watching the tax rates. Are there storage buildings in the area? If so, about how much would they be? Thank you all for the welcome and the information. I appreciate it!

Jeanzb1 · 03-06-2014, 10:09 PM

There are so many considerations that you reallllllly need to think about before you commit to buying a home. Yes, certainly, financial issues are number one. But one thing that we thought about was "the other six months of the year." Summer on the lake is THE BEST, but then there is winter. I mention this because we had the opportunity to buy a small place right on the lake, surrounded by summer camps, and we almost jumped at it, but then we had to think about what life would be like six months a year without our wonderful summer neighbors. We are very much people-people, so we decided that it would be too desolate half of the year. Wolfeboro is definitely a year-round community, but I'm not so sure about Ossipee. Can someone more knowledgable chime in here?

Oregonrain · 03-06-2014, 10:29 PM

My husband and I are people people as well, but we also like some quiet time. Are there any wood workers or wood working groups in the LR?

tis · 03-07-2014, 09:27 AM

Quote:

Originally Posted by Oregonrain

My husband and I are people people as well, but we also like some quiet time. Are there any wood workers or wood working groups in the LR?

I don't know about groups, but there are plenty of wood workers. We have some excellent wood workers here.

Chaselady · 03-06-2014, 11:04 PM

Quote:

Originally Posted by Jeanzb1

There are so many considerations that you reallllllly need to think about before you commit to buying a home. Yes, certainly, financial issues are number one. But one thing that we thought about was "the other six months of the year." Summer on the lake is THE BEST, but then there is winter. I mention this because we had the opportunity to buy a small place right on the lake, surrounded by summer camps, and we almost jumped at it, but then we had to think about what life would be like six months a year without our wonderful summer neighbors. We are very much people-people, so we decided that it would be too desolate half of the year. Wolfeboro is definitely a year-round community, but I'm not so sure about Ossipee. Can someone more knowledgable chime in here?

We settled in Tuftonboro and are very happy with the town. I find Ossipee a little lacking in things off season. I didn't realize how high the tax rate was in Ossipee!
Tuftonboro is much more reasonable, yet close to Wolfeboro for things to do. Moultonboro is also nice. One thing I have noticed is on this side of Winni we are an hour from any serious shopping. On-line shopping is really a necessity for Christmas and holidays. It really depends what kind of activities you want. I like peace and quiet, but I do find the winters can be a bit lonely.

upthesaukee · 03-06-2014, 11:22 PM

Alton and Alton Bay (two zip codes, one town. Alton) has low tax rate, is 20 mins to Wolfeboro, 20 mins to Gilford or Laconia, less than an hour to the Seacoast, 40 minutes to Concord, less than an hour to Manchester, and about 40 minutes to the Tilton Outlet Mall.

We have lived here since 1996, and love the feel of a small town, lots of nice friendly people, and good hiking areas in town. Scenic areas to live or just visit.

Take a look and give it a try.

And Welcome to the Forum.

riverat · 03-07-2014, 08:44 AM

Quote:

Originally Posted by upthesaukee

Alton and Alton Bay (two zip codes, one town. Alton) has low tax rate, is 20 mins to Wolfeboro, 20 mins to Gilford or Laconia, less than an hour to the Seacoast, 40 minutes to Concord, less than an hour to Manchester, and about 40 minutes to the Tilton Outlet Mall.

We have lived here since 1996, and love the feel of a small town, lots of nice friendly people, and good hiking areas in town. Scenic areas to live or just visit.

Take a look and give it a try.

And Welcome to the Forum.

I second Alton area. And a couple of storage facilities with an average of 150.00/mo for a 10'X20'

tis · 03-07-2014, 09:31 AM

Quote:

Originally Posted by Chaselady

We settled in Tuftonboro and are very happy with the town. I find Ossipee a little lacking in things off season. I didn't realize how high the tax rate was in Ossipee!
Tuftonboro is much more reasonable, yet close to Wolfeboro for things to do. Moultonboro is also nice. One thing I have noticed is on this side of Winni we are an hour from any serious shopping. On-line shopping is really a necessity for Christmas and holidays. It really depends what kind of activities you want. I like peace and quiet, but I do find the winters can be a bit lonely.

Have you ever noticed fatlazyless's signature? livin'on that walmart side of the lake? I think that sums it up. You have to decide what you want.

DickR · 03-07-2014, 10:31 AM

Quote:

Originally Posted by Jeanzb1

... But one thing that we thought about was "the other six months of the year." Summer on the lake is THE BEST, but then there is winter. ....but then we had to think about what life would be like six months a year without our wonderful summer neighbors.

Much of how one views life in the quieter times of the year depends on the individual. One can feel utterly alone and isolated in New York City or completely surrounded by human warmth in a very rural, sparsely populated community. There certainly is plenty to do up here in the Lakes Region throughout the year, from all types of outdoor activity to indoor groups of folks with common interests. Sometimes it can be an effort not to become "overbooked." It's all up to the individual to make it happen.

Oregonrain · 03-07-2014, 11:53 AM

Thank you everyone for all the information! I think moving there is going to be good. It's going to be a wonderful adventure and will add many new friends to my life!

I look forward to meeting fellow wood workers and learning from them. I just started wood working and there's much to learn. I also look forward to getting involved in a good church group.

There is much to be done before the move so I will sign off (for now... hehe) and start doing what needs to be done so we can move sooner rather than later...

If we had our way, we'd be there this weekend!!

Chaselady · 03-07-2014, 12:19 PM

It's definitely a beautiful place to live.
You also need to take into account what kind of health care you will require. Take note of distances to major medical centers and availability of doctors.

Cindido · 03-07-2014, 01:20 PM

I'll be the 3rd vote for the Alton area - having just moved to the Wolfeboro side of Alton Bay in October. We're 7 miles into downtown Wolfeboro, approximately 15 miles to Gilford (for Lowes, TJ Maxx, Walmart, etc) and 5 miles to the Alton circle for a 1.5 hour trip to Boston. Low taxes too. I love this side of the lake! Renting is a great idea since all the lake towns are beautiful and different in their own way. Happy Packing !!!

Oregonrain · 03-07-2014, 02:06 PM

Has anyone in Ossipee seen this house, on 100 Moultonville? http://www.beangroup.com/homes/NH/Os...le/2134329378/

SunsetPointWentworth · 03-07-2014, 03:35 PM

Quote:

Originally Posted by Oregonrain

Has anyone in Ossipee seen this house, on 100 Moultonville? http://www.beangroup.com/homes/NH/Os...le/2134329378/

It looks like a nice place. Makes me skeptical of what they don't list. $99,900 seems low.

HellRaZoR004 · 03-07-2014, 04:13 PM

I would be skeptical of a house that old. You would pay for more in utilities over the life of the house then buying something a little newer. Especially this past winter

Lakesrider · 03-08-2014, 08:30 AM

Quote:

Originally Posted by SunsetPointWentworth

It looks like a nice place. Makes me skeptical of what they don't list. $99,900 seems low.

Yeah and look at the taxes. $2300 for a $99,000 house? My house is worth $223,000 and I don't pay that much for taxes in Moultonborough.....

SAMIAM · 03-09-2014, 10:11 AM

Quote:

Originally Posted by SunsetPointWentworth

It looks like a nice place. Makes me skeptical of what they don't list. $99,900 seems low.

Also.....only has 100amp service. Don't run the toaster and the hair dryer at the same time.
A lot of house for the money, though. Just needs a few upgrades.

Ropetow · 03-09-2014, 02:32 PM

Quote:

Originally Posted by Oregonrain

Has anyone in Ossipee seen this house, on 100 Moultonville? http://www.beangroup.com/homes/NH/Os...le/2134329378/

I would hate to see the heating bills for that place….

CateP · 03-10-2014, 10:43 AM

Hi OregonRain-
As many forum members know I pretty much documented my whole relocating experience here in the forum. Tons of odd questions answered by the exceedingly patient forum members. You can read my threads here:

http://www.winnipesaukee.com/forums/...8&pp=25&page=2

Start around page 2 and go backwards through pages 3 and 4.

Good luck with your search. It really is fun looking at all the different towns and locations. An in-person scouting trip is essential, but many of us have inside info on pros and cons of various towns. For example, Alton is a fantastic location, but they are prone to power outages and high bandwidth internet is not available in some areas.

Smokienorm · 04-02-2014, 12:10 AM

Quote:

Originally Posted by Oregonrain

I've been watching the tax rates. Are there storage buildings in the area? If so, about how much would they be? Thank you all for the welcome and the information. I appreciate it!

Yes, there are various self storage unit warehouses in the Lakes Region. We chose a 10' x 10' at Landmark Self Storage across the street from the Laconia Police Dept.. The unit is inside and heated and rents for a little over $100 per month on auto billing. We have had it for 2 years or so and have been very satisfied. And the Water Street Café is also just down the street- good food as well.

As far as towns go, we moved to Gilford from South Florida 2 years ago and have never regretted it- only wish we had moved here sooner. Gilford has a great public library, with free foreign films once a month, as well as lots of other resources. Good police dept. as well.

CAVU · 03-19-2014, 12:22 PM

I have lived in two different towns in NH. Tamworth and Moultonborough.. Each has their own appeal.. Tamworth for the record, is near Ossipee and Sandwich.
Tamworth was/is a beautiful small NH town. Not much has changed since the 50's. There is no zoning which means pretty much no rules!! This benefited me in building my home, I didn't have to worry about building inspectors, etc. It was easy. However, I was a bit younger less informed at the time when I purchased the land. What killed me about Tamworth were two issues. The property taxes and services. The home I built, I was hoping it was going to be worth somewhere in the neighborhood of 115-120k, well it turned out to be worth 183k!! Well more than I thought, that had me paying what would have been close to $3500 in property tax. That was well above what I could afford!! Hence, I got it on the market sold before my first $1700 property tax bill came..
Second issue I had with Tamworth was the services issue, meaning road mtx, and plowing. I had bought a nice 1.35ac lot in a quiet little development with community water. The water cost I knew which was $125 each quarter, what I never knew was that it didn't include plowing!! I thought the town plowed the road, after all with the high property taxes I thought it was given.. Again, I'm just chocking this up to being young and naive

Well, we had to hire someone to plow the road. Unfortunately, with no association only half the people would pay and the other half would get a "free ride".
So in the end if you chose to live an area like Tamworth, I would personally recommend buying a road that is maintained and plowed in the winter. I would also recommend if you can take advantage of buying large acreage and putting it in current use. That will save money on property tax.
Now, I built a home in Moultonborough. I paid more for the land however, my home is worth 245k vs 183k and I pay $1552 a yr in property tax. Much more affordable for me!! I live in Suissevale, its a large association. It can be a little busy in the summer but, I live in a quiet area, 4 homes on the road, and I can walk to the lake. I love it here. The dues are $850 a yr but, the town plows the road, it includes community water, I don't ever have to worry about drilling a new well someday or testing my own water. I'm paying for piece of mind. Its still much cheaper than Tamworth. It all about exchanging one thing for the other. One thing I didn't realize about Moultonborough is that it had zoning and setback rules. I knew Suissevale had rules. What I didn't realize was Moultonborough trumps Suissevale's rules. Sooo, I had to get a little creative in setting a Cape style home with a garage on .25ac lot. I made it work and it looks great..
When it comes to living in a place like Moultonborough with all the rules, you just have to play the game. I'll admit I built wood shed to go with my house. I heat with wood. I was a little shocked that I got charged a building permit fee for it. Apparently I was suppose to file a building permit to build 4X10 wood shed.. Go figure, it seems they really don't care what you build, it more about revenue generation more than anything.
Anyway, sorry for the long winded reply, I just my experience might help you in someway..

Oregonrain · 03-19-2014, 05:47 PM

Quote:

Originally Posted by CAVU

I have lived in two different towns in NH. Tamworth and Moultonborough.. Each has their own appeal.. Tamworth for the record, is near Ossipee and Sandwich.
Tamworth was/is a beautiful small NH town. Not much has changed since the 50's. There is no zoning which means pretty much no rules!! This benefited me in building my home, I didn't have to worry about building inspectors, etc. It was easy. However, I was a bit younger less informed at the time when I purchased the land. What killed me about Tamworth were two issues. The property taxes and services. The home I built, I was hoping it was going to be worth somewhere in the neighborhood of 115-120k, well it turned out to be worth 183k!! Well more than I thought, that had me paying what would have been close to $3500 in property tax. That was well above what I could afford!! Hence, I got it on the market sold before my first $1700 property tax bill came..
Second issue I had with Tamworth was the services issue, meaning road mtx, and plowing. I had bought a nice 1.35ac lot in a quiet little development with community water. The water cost I knew which was $125 each quarter, what I never knew was that it didn't include plowing!! I thought the town plowed the road, after all with the high property taxes I thought it was given.. Again, I'm just chocking this up to being young and naive

Well, we had to hire someone to plow the road. Unfortunately, with no association only half the people would pay and the other half would get a "free ride".
So in the end if you chose to live an area like Tamworth, I would personally recommend buying a road that is maintained and plowed in the winter. I would also recommend if you can take advantage of buying large acreage and putting it in current use. That will save money on property tax.
Now, I built a home in Moultonborough. I paid more for the land however, my home is worth 245k vs 183k and I pay $1552 a yr in property tax. Much more affordable for me!! I live in Suissevale, its a large association. It can be a little busy in the summer but, I live in a quiet area, 4 homes on the road, and I can walk to the lake. I love it here. The dues are $850 a yr but, the town plows the road, it includes community water, I don't ever have to worry about drilling a new well someday or testing my own water. I'm paying for piece of mind. Its still much cheaper than Tamworth. It all about exchanging one thing for the other. One thing I didn't realize about Moultonborough is that it had zoning and setback rules. I knew Suissevale had rules. What I didn't realize was Moultonborough trumps Suissevale's rules. Sooo, I had to get a little creative in setting a Cape style home with a garage on .25ac lot. I made it work and it looks great..
When it comes to living in a place like Moultonborough with all the rules, you just have to play the game. I'll admit I built wood shed to go with my house. I heat with wood. I was a little shocked that I got charged a building permit fee for it. Apparently I was suppose to file a building permit to build 4X10 wood shed.. Go figure, it seems they really don't care what you build, it more about revenue generation more than anything.
Anyway, sorry for the long winded reply, I just my experience might help you in someway..

I truly appreciate all the information. Everything seems so different there than here, but I'm sure if I looked into rules and regulations here it would most likely be the same. I'm just used to this area. I like the idea of low taxes. I'm not too hip on associations mostly because of our dogs and all the added rules they have. I've found several places that I like. We're just going to have to make a trip out there before long and look at the places.

Lakeboater · 03-19-2014, 07:02 PM

I agree with you about the rules that go with associations. But they are a good way to get waterfront. There are some associations that are just for the lakefront area.....the restrictions and rules just apply to the waterfront.

Weekend Pundit · 03-28-2014, 12:26 PM

Reading the various responses to Oregonrain's query has shown me that for the most part everyone has forwarded good info and advice. More than a few have mentioned the property tax rates for the various towns, but I have to add that the tax rates in and of themselves aren't quite as important as the assessment of the various homes along with the tax rates. (I have seen some towns with higher tax rates than others that have lower property taxes because of the valuation of the properties being taxed.) I have to strongly agree that renting might be a good strategy before buying as there are a number of really great towns here in the Lakes Region. What is great for some folks might not be for others. It all comes down to what makes you feel like you're in the right place. Renting will at least give you a feel for what a town is like before you decide to "pull the trigger" and buy a home there. Every town has its own character and you'll find some will fit better than others. I'm in Gilford and for me it's a good fit. I have also resided in Laconia (Lakeport), Alexandria, and Plymouth. (Yeah, I know Plymouth isn't really Lakes Region, but it still counts towards my experiences.) Each has had its pluses and minuses. If I could no longer reside in Gilford, Alton would be my next choice. (Again, that would be my personal preference based upon my time spent there, the people I know there, and the business my wife and I used to own there.) All I can suggest is take your time. There's no rush. Each and every town has its own character, strengths, and weaknesses. Find the one that fits you and then revel in it! Oh, one more thing: I am also a ham and have enjoyed it for years! There are quite a few active clubs in the area so you'll have another resource to fall back on. The clubs are active in events all year round, and help with a number of local public events throughout the year.

Oregonrain · 03-28-2014, 08:06 PM

I understand the validity of renting for a while before buying, but coming from someone (me, before I married my husband) who has moved 8 times in 2012-2013, I don't really want to move that many more times. We've a LOT of stuff to move and I don't want to move it any more times than what I absolutely have to, not to mention the outlandish cost it will be to make the move from here to there. **sigh** sometimes I'm overwhelmed!!

oak grove · 03-29-2014, 01:22 PM

Oregonrain, I grew up in Barnstead, NH, just south of the LR, but moved to Oregon in 1985. The longer I'm in Oregon, the more I miss NH. When I lived in NH, we never went to the LR, but for the past 12 years I've gone back to NH to visit nearly every year and the first thing I do is go to the Lake. I spend as much time around bodies of water as possible!

Even areas away from the Lake, like Barnstead, are great, too, but -- as so many have said -- check the rules and regs for each town. Find out what you're allowed to do on your land. If you live for the water, then by all means check out the LR towns, but if rural with access to the Lake from time to time is all you need, there are so many great towns within 30 minutes of the Lake. You have the Santiam and Foster Lake, but now imagine that you have a few more rivers and a few more lakes in that same area to choose from. That's what much of what NH is like. There's so much more water to play in and, unlike the green water in OR, the water in NH is soooo much clearer!

The people are nicer in NH than they are in OR, in general. NH is laid back but energetic all at the same time. In OR, it seems that everyone is rushing about, but NH has a pace all its own. It's hard to explain.

Oregonrain · 03-29-2014, 04:26 PM

Quote:

Originally Posted by oak grove

Oregonrain, I grew up in Barnstead, NH, just south of the LR, but moved to Oregon in 1985. The longer I'm in Oregon, the more I miss NH. When I lived in NH, we never went to the LR, but for the past 12 years I've gone back to NH to visit nearly every year and the first thing I do is go to the Lake. I spend as much time around bodies of water as possible!

Even areas away from the Lake, like Barnstead, are great, too, but -- as so many have said -- check the rules and regs for each town. Find out what you're allowed to do on your land. If you live for the water, then by all means check out the LR towns, but if rural with access to the Lake from time to time is all you need, there are so many great towns within 30 minutes of the Lake. You have the Santiam and Foster Lake, but now imagine that you have a few more rivers and a few more lakes in that same area to choose from. That's what much of what NH is like. There's so much more water to play in and, unlike the green water in OR, the water in NH is soooo much clearer!

The people are nicer in NH than they are in OR, in general. NH is laid back but energetic all at the same time. In OR, it seems that everyone is rushing about, but NH has a pace all its own. It's hard to explain.

Rural is good with me. Being able to grow most of our own food is appealing as is having chickens. I want the freedom to do what ever I want on my property, from raising Ham antenna towers, to raising small farm animals, to making a hobbit home if I so desire. Being near water is fun, but I don't have to be on the edge of the lakes, just near them.

One thing Cavo mentioned about property taxes makes me wonder about how often you pay them. He said he sold his first house before the first $1700 tax payment was made, but his taxes at the time was close to $3500 (?) (I'm trying to remember so my numbers might be off a bit.) Aren't property taxes paid once a year there?

wifi · 03-29-2014, 04:31 PM

Quote:

Originally Posted by Oregonrain

,,, Aren't property taxes paid once a year there?

The towns I own property in NH collect in June and December, June is half of last years and December is the difference between the total tax that year and what you paid in June

Grandpa Redneck · 03-29-2014, 04:33 PM

Property taxes are paid twice a year half in June half in December,

Merrymeeting · 03-29-2014, 06:32 PM

Quote:

Originally Posted by Grandpa Redneck

Property taxes are paid twice a year half in June half in December,

It depends on the town. Most are twice a year as has been mentioned. But some are moving to quarterly payments.

Keep in mind that the bill is still (supposedly) for an annual budget, and quarterly payments are only intended to spread out the needed payments.

camp guy · 03-29-2014, 06:40 PM

Paying taxes semi-annually also spreads out the income to the Towns so that they don't have to borrow up front. The so-called TANs (tax anticipation notes) were necessary when taxes were paid at the end of the year. To meet the distribution needs of the budget, Towns had to borrow money in anticipation of taxes to make those distributions. By paying taxes semi-annually, this isn't necessary and the Towns save the interest charged on the Notes.

Oregonrain · 03-29-2014, 09:59 PM

Here, our house payments include the property taxes. Do you pay them separately there? It sounds to me like it may be separate.

Flylady · 03-29-2014, 11:16 PM

Most mortgage lenders give you the option to include your taxes in each house payment then they pay it for you. Still they will pay it twice a year if that is what the town bills for.

tis · 03-30-2014, 07:30 AM

I hope they don't move to quarterly taxes. Twice is bad enough.

BTW, June payments ARE half of December but the December bills are the rate set by the state (but of course depends on what the town is spending) for that year. So you don't know what the December bill is going to be until you get it.

Winnisquamguy · 03-30-2014, 09:40 AM

Quote:

Originally Posted by Oregonrain

Here, our house payments include the property taxes. Do you pay them separately there? It sounds to me like it may be separate.

In order to pay them on your own you need to have 20% down for deposit and not be paying for PMI.

tis · 03-30-2014, 10:39 AM

Or not have a mortgage on your property.

Oregonrain · 03-30-2014, 11:19 AM

Quote:

Originally Posted by tis

Or not have a mortgage on your property.

If you don't have a mortgage on your property (not making house payments) you don't pay property taxes? Or do you mean renting? Because renting is sounding better and better...

Slickcraft · 03-30-2014, 11:26 AM

Quote:

Originally Posted by Oregonrain

If you don't have a mortgage on your property (not making house payments) you don't pay property taxes? Or do you mean renting? Because renting is sounding better and better...

No, you misread the post. If no mortgage you pay property taxes directly to the town, not to a mortgage holder.

03-06-2014, 03:14 PM	#1
Oregonrain Senior Member Join Date: Mar 2014 Location: For now I live in Lebanon, OR, but this summer I'll be living somewhere in the Lakes Region Posts: 144 Thanks: 199 Thanked 26 Times in 19 Posts	Moving to Lakes Region later this summer Hi all! I've been reading through the forums since my husband and I decided to move to the Lakes Region. My husband is a Lynn, MA native. I've grown up in the great Pacific Northwest. I have lived in some states back east, but as that was when I was less than 5 years of age, I don't think it counts... besides I lived in Air Force bases that are no longer in commission. We are planning to move later this summer as there is a lot that needs to be done here before we can make the move. We've been looking at all of the Lakes Region, but I find myself drawn to Ossippee and Wolfeboro the most. I love being able to watch the Weirs Cam every day as this allows me (a rainy Pacific Northwest woman) to see what kind of weather you get back there. I must say the amount of snow is rather intimidating... right now, we have trees leafing out and daffodils blooming and you're still under a ton of snow!! When does the first snow fall? I'd like to be moved and settled before then. Thanks everyone for the forum and all the wonderful information on it!

03-06-2014, 03:24 PM	#2
camp guy Senior Member Join Date: Apr 2004 Location: formerly Winter Harbor, still Wolfeboro Posts: 1,193 Thanks: 302 Thanked 528 Times in 295 Posts	Moving to Lakes region later this summer If I remember right (and that is questionable), we had 2 feet on Hallowe'en 2 years ago. Of course, this was very unusual. I guess I would have to suggest being all moved by the end of October, just in case the weather did do something silly like snow. Since you have been reading the postings on this site about moving, you should have a pretty good idea about some things. Good luck to you.

03-06-2014, 05:19 PM	#5
RLW Senior Member Join Date: Jul 2002 Location: Alton Bay on the mountain by a lake Posts: 2,023 Thanks: 563 Thanked 444 Times in 311 Posts	*Oregonrain,* I just noticed that you are fairly new to posting on the forum and glad you have joined us. Have fun and enjoy the Winni Forum while making many new friends. I believe you will enjoy your decision on coming to the lake region. __________________ There is nothing better than living on Alton Mountain & our grand kids visits.

03-06-2014, 11:22 PM	#16
upthesaukee Senior Member Join Date: Jan 2003 Location: Alton Bay Posts: 5,602 Blog Entries: 2 Thanks: 2,466 Thanked 1,983 Times in 1,083 Posts	Just gotta do it.... a plug for Alton. Alton and Alton Bay (two zip codes, one town. Alton) has low tax rate, is 20 mins to Wolfeboro, 20 mins to Gilford or Laconia, less than an hour to the Seacoast, 40 minutes to Concord, less than an hour to Manchester, and about 40 minutes to the Tilton Outlet Mall. We have lived here since 1996, and love the feel of a small town, lots of nice friendly people, and good hiking areas in town. Scenic areas to live or just visit. Take a look and give it a try. And Welcome to the Forum. __________________ I Live Here... I am always UPTHESAUKEE !!!!

03-07-2014, 11:53 AM	#20
Oregonrain Senior Member Join Date: Mar 2014 Location: For now I live in Lebanon, OR, but this summer I'll be living somewhere in the Lakes Region Posts: 144 Thanks: 199 Thanked 26 Times in 19 Posts	Thank you everyone for all the information! I think moving there is going to be good. It's going to be a wonderful adventure and will add many new friends to my life! I look forward to meeting fellow wood workers and learning from them. I just started wood working and there's much to learn. I also look forward to getting involved in a good church group. There is much to be done before the move so I will sign off (for now... hehe) and start doing what needs to be done so we can move sooner rather than later... If we had our way, we'd be there this weekend!! Last edited by Oregonrain; 03-07-2014 at 11:55 AM. Reason: wanted to add a bit more

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03-06-2014, 03:49 PM	#3
Merrymeeting Senior Member Join Date: Mar 2003 Location: Merrymeeting Lake, New Durham Posts: 2,226 Thanks: 302 Thanked 800 Times in 368 Posts	Yes, it does happen that it snows in October, and some in November. But when that happens, it usually doesn't last, and that is not the norm. I'd say you want to be here by Oct 1st. But that's only because Fall here is beautiful and you would be here for the foliage that many travel from all over to see. But if avoiding snow during a move is the concern, most years you would be ok at least through Thanksgiving.

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03-06-2014, 05:10 PM	#4
Jeanzb1 Senior Member Join Date: May 2009 Location: Gilford Posts: 555 Thanks: 631 Thanked 176 Times in 95 Posts	Welcome to the Lakes Region! We are originally from North Andover, MA but moved into our Florida condo back in 2008. We spent six months in Florida and six months renting on the Big Lake and LOVED every single day! Finally, we decided last year that we would sell the Florida condo and buy a year-round house up here, which we did. We bought the house in August but didn't move in until October. We're in Gilford with water access, only a stone's throw from the lake. Yes, we liked Wolfeboro, too, but Meredith and Gilford were so much more convenient as far as groceries, Lowe's, etc. etc. My recommendation would be to rent a place for a year or so before you buy a home in a town that you're not very familiar with. That way you will find your niche before you buy! I wish you well!

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03-06-2014, 05:59 PM	#6
Irish mist Senior Member Join Date: Dec 2006 Posts: 686 Thanks: 128 Thanked 85 Times in 49 Posts	You might want to take Jeanzb1's advice and look at renting for a year before you buy. Until you are in the area it's difficult to get a feel for what each town is like. Good luck

03-06-2014, 06:31 PM	#7
MAXUM Senior Member Join Date: Apr 2004 Location: Kuna ID Posts: 2,755 Thanks: 246 Thanked 1,942 Times in 802 Posts	Do yourself a favor and watch the tax rates in each town. Some are far worse than others.

03-06-2014, 07:00 PM	#9
Mr. V Senior Member Join Date: Jun 2004 Location: the left coast (Portland)and West Alton Posts: 1,415 Thanks: 65 Thanked 260 Times in 178 Posts	Have you been back to the Lakes Region yet? I fly back to visit family every couple of years, and am always startled by how different things are in NH than "back home" in the Pac NW. For example, there are few old cars and trucks, as they rust out quickly. Many more American cars than imports, unlike out west. Nice place to visit.

03-06-2014, 10:09 PM	#12
Jeanzb1 Senior Member Join Date: May 2009 Location: Gilford Posts: 555 Thanks: 631 Thanked 176 Times in 95 Posts	There are so many considerations that you reallllllly need to think about before you commit to buying a home. Yes, certainly, financial issues are number one. But one thing that we thought about was "the other six months of the year." Summer on the lake is THE BEST, but then there is winter. I mention this because we had the opportunity to buy a small place right on the lake, surrounded by summer camps, and we almost jumped at it, but then we had to think about what life would be like six months a year without our wonderful summer neighbors. We are very much people-people, so we decided that it would be too desolate half of the year. Wolfeboro is definitely a year-round community, but I'm not so sure about Ossipee. Can someone more knowledgable chime in here?

03-06-2014, 10:29 PM	#13
Oregonrain Senior Member Join Date: Mar 2014 Location: For now I live in Lebanon, OR, but this summer I'll be living somewhere in the Lakes Region Posts: 144 Thanks: 199 Thanked 26 Times in 19 Posts	My husband and I are people people as well, but we also like some quiet time. Are there any wood workers or wood working groups in the LR?

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03-07-2014, 12:19 PM	#21
Chaselady Senior Member Join Date: Sep 2012 Location: Melvin Village Posts: 309 Thanks: 150 Thanked 105 Times in 73 Posts	It's definitely a beautiful place to live. You also need to take into account what kind of health care you will require. Take note of distances to major medical centers and availability of doctors.

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03-07-2014, 01:20 PM	#22
Cindido Senior Member Join Date: Sep 2013 Location: Wolfeboro Posts: 157 Thanks: 222 Thanked 57 Times in 32 Posts	Moving to Lakes region later this summer I'll be the 3rd vote for the Alton area - having just moved to the Wolfeboro side of Alton Bay in October. We're 7 miles into downtown Wolfeboro, approximately 15 miles to Gilford (for Lowes, TJ Maxx, Walmart, etc) and 5 miles to the Alton circle for a 1.5 hour trip to Boston. Low taxes too. I love this side of the lake! Renting is a great idea since all the lake towns are beautiful and different in their own way. Happy Packing !!!

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03-07-2014, 02:06 PM	#23
Oregonrain Senior Member Join Date: Mar 2014 Location: For now I live in Lebanon, OR, but this summer I'll be living somewhere in the Lakes Region Posts: 144 Thanks: 199 Thanked 26 Times in 19 Posts	Has anyone in Ossipee seen this house, on 100 Moultonville? http://www.beangroup.com/homes/NH/Os...le/2134329378/

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03-07-2014, 04:13 PM	#25
HellRaZoR004 Senior Member Join Date: May 2012 Location: Litchfield/Gilford Posts: 828 Thanks: 233 Thanked 224 Times in 131 Posts	I would be skeptical of a house that old. You would pay for more in utilities over the life of the house then buying something a little newer. Especially this past winter

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03-10-2014, 10:43 AM	#29
CateP Senior Member Join Date: Jan 2011 Location: Wolfeboro Posts: 868 Thanks: 584 Thanked 540 Times in 210 Posts	A Moving Experience Hi OregonRain- As many forum members know I pretty much documented my whole relocating experience here in the forum. Tons of odd questions answered by the exceedingly patient forum members. You can read my threads here: http://www.winnipesaukee.com/forums/...8&pp=25&page=2 Start around page 2 and go backwards through pages 3 and 4. Good luck with your search. It really is fun looking at all the different towns and locations. An in-person scouting trip is essential, but many of us have inside info on pros and cons of various towns. For example, Alton is a fantastic location, but they are prone to power outages and high bandwidth internet is not available in some areas.

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03-19-2014, 12:22 PM	#31
CAVU Senior Member Join Date: Aug 2013 Posts: 98 Thanks: 0 Thanked 41 Times in 19 Posts	I have lived in two different towns in NH. Tamworth and Moultonborough.. Each has their own appeal.. Tamworth for the record, is near Ossipee and Sandwich. Tamworth was/is a beautiful small NH town. Not much has changed since the 50's. There is no zoning which means pretty much no rules!! This benefited me in building my home, I didn't have to worry about building inspectors, etc. It was easy. However, I was a bit younger less informed at the time when I purchased the land. What killed me about Tamworth were two issues. The property taxes and services. The home I built, I was hoping it was going to be worth somewhere in the neighborhood of 115-120k, well it turned out to be worth 183k!! Well more than I thought, that had me paying what would have been close to $3500 in property tax. That was well above what I could afford!! Hence, I got it on the market sold before my first $1700 property tax bill came.. Second issue I had with Tamworth was the services issue, meaning road mtx, and plowing. I had bought a nice 1.35ac lot in a quiet little development with community water. The water cost I knew which was $125 each quarter, what I never knew was that it didn't include plowing!! I thought the town plowed the road, after all with the high property taxes I thought it was given.. Again, I'm just chocking this up to being young and naive Well, we had to hire someone to plow the road. Unfortunately, with no association only half the people would pay and the other half would get a "free ride". So in the end if you chose to live an area like Tamworth, I would personally recommend buying a road that is maintained and plowed in the winter. I would also recommend if you can take advantage of buying large acreage and putting it in current use. That will save money on property tax. Now, I built a home in Moultonborough. I paid more for the land however, my home is worth 245k vs 183k and I pay $1552 a yr in property tax. Much more affordable for me!! I live in Suissevale, its a large association. It can be a little busy in the summer but, I live in a quiet area, 4 homes on the road, and I can walk to the lake. I love it here. The dues are $850 a yr but, the town plows the road, it includes community water, I don't ever have to worry about drilling a new well someday or testing my own water. I'm paying for piece of mind. Its still much cheaper than Tamworth. It all about exchanging one thing for the other. One thing I didn't realize about Moultonborough is that it had zoning and setback rules. I knew Suissevale had rules. What I didn't realize was Moultonborough trumps Suissevale's rules. Sooo, I had to get a little creative in setting a Cape style home with a garage on .25ac lot. I made it work and it looks great.. When it comes to living in a place like Moultonborough with all the rules, you just have to play the game. I'll admit I built wood shed to go with my house. I heat with wood. I was a little shocked that I got charged a building permit fee for it. Apparently I was suppose to file a building permit to build 4X10 wood shed.. Go figure, it seems they really don't care what you build, it more about revenue generation more than anything. Anyway, sorry for the long winded reply, I just my experience might help you in someway..

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03-19-2014, 07:02 PM	#33
Lakeboater Senior Member Join Date: Nov 2013 Posts: 394 Thanks: 20 Thanked 131 Times in 94 Posts	I agree with you about the rules that go with associations. But they are a good way to get waterfront. There are some associations that are just for the lakefront area.....the restrictions and rules just apply to the waterfront.

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Oregonrain (03-20-2014)

03-28-2014, 12:26 PM	#34
Weekend Pundit Senior Member Join Date: Mar 2006 Location: Gilford Posts: 347 Thanks: 26 Thanked 69 Times in 42 Posts	A Lot Of Good Info Reading the various responses to Oregonrain's query has shown me that for the most part everyone has forwarded good info and advice. More than a few have mentioned the property tax rates for the various towns, but I have to add that the tax rates in and of themselves aren't quite as important as the assessment of the various homes along with the tax rates. (I have seen some towns with higher tax rates than others that have lower property taxes because of the valuation of the properties being taxed.) I have to strongly agree that renting might be a good strategy before buying as there are a number of really great towns here in the Lakes Region. What is great for some folks might not be for others. It all comes down to what makes you feel like you're in the right place. Renting will at least give you a feel for what a town is like before you decide to "pull the trigger" and buy a home there. Every town has its own character and you'll find some will fit better than others. I'm in Gilford and for me it's a good fit. I have also resided in Laconia (Lakeport), Alexandria, and Plymouth. (Yeah, I know Plymouth isn't really Lakes Region, but it still counts towards my experiences.) Each has had its pluses and minuses. If I could no longer reside in Gilford, Alton would be my next choice. (Again, that would be my personal preference based upon my time spent there, the people I know there, and the business my wife and I used to own there.) All I can suggest is take your time. There's no rush. Each and every town has its own character, strengths, and weaknesses. Find the one that fits you and then revel in it! Oh, one more thing: I am also a ham and have enjoyed it for years! There are quite a few active clubs in the area so you'll have another resource to fall back on. The clubs are active in events all year round, and help with a number of local public events throughout the year. Last edited by Weekend Pundit; 03-28-2014 at 03:57 PM.

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03-28-2014, 08:06 PM	#35
Oregonrain Senior Member Join Date: Mar 2014 Location: For now I live in Lebanon, OR, but this summer I'll be living somewhere in the Lakes Region Posts: 144 Thanks: 199 Thanked 26 Times in 19 Posts	I understand the validity of renting for a while before buying, but coming from someone (me, before I married my husband) who has moved 8 times in 2012-2013, I don't really want to move that many more times. We've a LOT of stuff to move and I don't want to move it any more times than what I absolutely have to, not to mention the outlandish cost it will be to make the move from here to there. sigh sometimes I'm overwhelmed!!