Ashton Pointe Apartment Homes

100 Ashton Pointe Boulevard, Beaufort, SC 29906
Call: 844-820-6515 Email UsAshtonPointe.PropertySite.HHHunt@aptleasing.info View Map

Opens: Monday-Friday: 9A-6P | Saturday: 10A-5P | Sunday: 1P - 5P

$963-$1233

Apartment Homes Beaufort SC Blog

Downsizing to Apartments in Beaufort, SC

Joseph Coupal - Tuesday, January 17, 2017

Ashton Pointe apartments, Beaufort, SCIf you’re a retiree or empty-nester looking for a new home, you may be considering an apartment in Beaufort, SC. How do you know when it’s time to downsize and how do you do it the right way?

Retirees looking to downsize should consider the following:

1. Crunch the Numbers

The most important thing to consider when you’re deciding to rent is the cost. A smaller home often means smaller monthly payments or smaller maintenance costs.

2. Consider Your Lifestyle

If you’re retiring or an empty nester, you should ask yourself these questions – “What do I want to do?” “What do I enjoy doing in my free time? Golf, tennis, biking, and other outdoor activities?” “Do I prefer life in the city, with restaurants, theater, shopping, and cultural activities all within walking distance?” The answers may encourage you to find an apartment near the lifestyle you most want to enjoy.

3. Take Family into Account

Many people often choose to move or downsize because they want to be closer to family. If your family plays a big part in your daily lives it’s only fitting that you consider including them in your decision making process.

4. Simplify Your Stuff

Lastly, if you are seriously considering rightsizing, start going through your things now and declutter! This can be difficult, both emotionally and physically, especially if you’ve accumulated a lot of things over several years. It will help give you a better idea of what you need for space and storage in your next home. If you’re not sure how you’ll do in a smaller space, consider renting for a year or two to see how you like living in smaller quarters.

For more information on 2 bedroom apartments in Beaufort, SC, contact Ashton Pointe Apartments.

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KARE11


Should Millennials Buy Homes? Maybe Not - Beaufort, SC

Joseph Coupal - Tuesday, January 10, 2017

Ashton Pointe Apartments, Beaufort, SCAs the old saying goes, landlords get rich and renters stay poor. But this may not be true anymore.

On the other side of the debate are housing experts who have told The Wall Street Journal that, in the shadow of the Great Recession, the stigma of renting has faded.

It used to be that if you were an adult and didn’t own your own home, you were kind of a bum— but that image has been “blown into a million pieces.”

In an era of stagnant wages, tepid job growth and soaring student debt, just 35 percent of Americans under age 35 owned their homes in the third quarter of 2016.

Should you rent or own your home? It’s an age-old question that doesn’t always yield a straight answer.

The unsatisfying advice: It’s complicated. Perhaps the most important factor in the rent-vs-buy calculus is how long you plan to stay in one place.

The five-year rule: In general, housing experts say, if you plan to live in a property for less than five years, you’re wiser to rent. That’s because expenses such as closing costs and real estate commissions wipe out the modest appreciation you enjoy. If you’re going to stay for 10 years, you’ll almost certainly gain by owning.

Here’s a partial list of the cons of homeownership:

Con: You’re responsible for property taxes and insurance.

When you rent, those expenses are part of your monthly payment, and your landlord worries about them. While Florida’s property taxes are modest compared to other states, you can expect to pay about 2 percent of the value of your home every year.

Con: You’re on the hook for repairs.

Kitchens and bathrooms don’t last forever, and a kitchen redo can run into the tens of thousands of dollars. Roofs, windows and air conditioners wear out over time. Replacing these costs thousands of dollars. Appliances break, and you’re on the hook for them, too. If you’re a renter, maintenance is the landlord’s problem.

Con: Owning makes you less mobile.

If you’re tied down by a property here, you might not grab that lucrative job offer somewhere else.

Con: The financial benefits of owning are real, but they’re often overstated.

Here is a sobering example of paying $1,500 a month in rent for 30 years. You’ll blow $540,000 with nothing to show for it. How much will you have if you buy? Here’s a very rough example, with no adjustments for inflation and appreciation: Say you take the same $1,500 a month and apply it to a $250,000 house, with a $200,000 mortgage at 4.25 percent. You’ll spend $984 a month on principal and interest, and the other $516 a month might (or might not) cover property taxes, insurance, lawn care, pest control, the occasional pressure cleaning and those inevitable visits by plumbers, electricians and carpenters. Over the 30-year life of the mortgage, you’ll replace the roof twice, the AC twice, repaint the house three times, buy enough replacement appliances to fill a small warehouse, and you’ll renovate the kitchen and bathrooms, all of which’ll cost you $100,000. And don’t forget that $50,000 down payment you made back when you were young. You will have paid the same $540,000 over 30 years, and you’ll have a net gain of $100,000 to show for it. Not bad, but certainly not hedge fund money.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

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Real Time


Happy New Year 2017 from Ashton Pointe Apartments in Beaufort, SC!

Joseph Coupal - Thursday, January 05, 2017

Ashton Pointe Apartments in Beaufort, SCA fresh new year has arrived once again. It’s the time to be thankful for everything we have and for everything we have achieved in the past year. But it is also time to start new, start strong, and accomplish everything we want to do this year.

It is also time for us to say “Thank You” for our success last year. If you are an existing associate, we have enjoyed working with you. If we are just embarking on a new relationship with you in 2017, we look forward to the opportunity. We are excited for what we all can achieve in 2017.

The New Year stands before us, like a chapter in a book, waiting to be written. We can help write that story by setting goals. – Melody Beattie

Happy New Year from Ashton Pointe Apartments in Beaufort, SC!

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Finding the Ideal Place to Retire – Beaufort, SC

Joseph Coupal - Wednesday, December 28, 2016

Ashton Pointe Apartments in Beaufort, SCOnce you retire, you're free to head to the beach or golf course. In some cases, you can even dramatically reduce your cost of living or improve your quality of life with a single move. But you want to make sure that a retirement spot will continue to meet your needs as you age. Here are 10 tips for finding your ideal retirement spot:

Seek lower costs. If you can sell your house in an expensive city and move to a place where housing costs significantly less, you can use that influx of cash to help fund your retirement years. If the cost of living is lower, it can certainly let your retirement nest egg last a little longer.

Look for great amenities. Think about how you want to spend your retirement years, and make sure your retirement spot has the resources to allow you to do that. Look for golf courses, pools, fitness centers, parks or other amenities you would like to use. If you want to be pursuing your education, you might be looking for a college or other learning venues. If there are travel options you want to pursue, you are going to need to be near an airport or a train station.

Health care options are essential. Make sure any community you are considering has adequate medical facilities and doctors that are taking on new patients. If you have any ongoing medical condition, or propensity for a specific illness runs in your family, it can be useful to retire near medical professionals who specialize in treating it.

Calculate the tax impact. Taxes vary considerably by state, and you can often reduce your costs considerably by moving to a low-tax place. Take a look at how the state taxes pensions, Social Security and earned income, and also consider the sales tax, property tax and any special tax perks available for senior citizens. It's also important to realize that taxes pay for services, and there may be less help available to senior citizens in low-tax areas.

Aim for proximity to family and friends. Many people want to retire near their children and grandchildren. Family and friends can enrich your life in retirement and provide significant (and often free) help when you need it most. "If somebody has lived in the same place their whole life and that's where their social network is and where the people they depend on are, then it's much harder to pick up and build a new network of support where you don't know anybody and you have to start from scratch. If you do move to a new community away from your support system, you will need to create a new circle of friends. An activity like golf or bridge will get [you] into another social network.

Job opportunities. Americans are increasingly planning to work during the traditional retirement years. If a retirement career is part of your plan, you may want to line up a job opportunity before you make a move. A place that will enable you to do what you want to do with your post-retirement work career is very important. Some people have very portable skills where they could practice anywhere, while some people are more place-dependent.

Transportation options. Many seniors reach a point when they can't or no longer want to drive. Some cities have public transportation systems that give discounts or are even free for senior citizens, or low-cost van or cab services that will help seniors get to doctor's appointments.

Better weather. Some people seek retirement spots with warm weather so they can avoid winter, but you might find that you miss the change of seasons or that warm weather comes with its own challenges.

Test it out first. One way to be more certain that a retirement spot will be a good fit is to test it out by renting. When you first move to a place, it might seem wonderful, but once you have tried living in it, you might find that it doesn't really suit your needs. There's nothing like actually living in a place to know all its little eccentricities and ins and outs.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

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money.usnews.com


Happy Holidays from Ashton Pointe Apartments in Beaufort, SC

Joseph Coupal - Tuesday, December 20, 2016
Ashton Pointe apartments in Beaufort, SCIt is once again "end-of-year" blog post reflection time.  If you are reading this blog post, you care enough about us and our business to invest a minute or two reading here.  That means a lot to us.  The primary reason for this blog is to educate and inform our readers; as an ongoing act of giving thanks for the privilege of earning your continued trust and continued professional partnerships. So we're glad you're here.

We reflect today on the blessings that so many of you bring to both our personal and professional lives. Over the course of 2016, we hope that we have made a difference in many personal and professional lives. This is the true essence and a key measure of professional reward and business success.

It is our sincere wish that all of you bask in the joy of reflection and within the warm confines of family and friends throughout this Holiday season and throughout 2017. Cheers!

Happy Holidays!

-from all of us here at Ashton Pointe Apartments in Beaufort, SC.

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How to Decide Whether to Rent or Buy Your Home – Beaufort, SC

Joseph Coupal - Thursday, December 15, 2016
Ashton Pointe, Beaufort, SCHomeownership is commonly considered a sign of success, but in some cases, it can actually work against your financial goals. This is an article written by a financial planner that we thought we would share with you.

While buying and renting can both be good options under the right circumstances, I tend to believe people underestimate the hassle of owning and the benefits of renting because they are hardwired to do so.

Let's face it: most of us have a deep-rooted feeling that homeownership equals success and buying equals progress. Renting, on the other hand, is often seen as a form of failure—or even "settling." If you can't afford to buy, you just rent because you need a place to live, right?

I think this line of thinking is dangerous, and I share this opinion with my clients often.

Before you commit to buying, it's important to note why you're doing it in the first place. If you're considering a home purchase to appear successful, you're setting yourself up for failure. If you're shopping for a home because you feel like it's a natural next step, you're making a mistake.

The Case for Renting

Renting may not feel like progress, but that doesn't mean it's not the right move for you. The fact is, renting comes with a ton of huge benefits, including:

1. Flexibility. 

Maybe you prefer to move around, seeing new neighborhoods and cities. No matter what, it's hard to put a dollar value on that experience and enjoyment. In addition, if you anticipate a career or job change, renting might suit you better, as buying a home can hinder your flexibility to pick up and move.

2. Avoiding homeownership costs.

Homeowners are painfully familiar with unforeseen and often hefty costs such as furnishing, decorating, leaky pipes, landscaping, general maintenance—you name it. As a tenant, you enjoy the perks of your home without the worrisome financial burden.

3. Liquidity.

Generally, you can't turn a house into cash overnight. Many people invest their life savings into a home, putting the bulk of their net worth into an illiquid asset. Risk comes with tying up a large portion of your wealth in such an asset. Renting allows you flexibility and other investment options.

4. Building credit.

As consumers, we need a healthy credit score for pretty much everything we do, from getting a new cell phone plan to buying a car. While renting doesn't boost your credit rating like owning a home might, creating a history of on-time rental payments can, in some cases, help build your credit to qualify for a mortgage down the road. This history begins when (and if) your landlord reports your payment data to credit agencies. Third-party services can help you report this information on your behalf.

For more information on apartments in Beaufort, SC, contact Ashton Pointe Apartments.

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excerpts - Kiplinger


Advantages Of Renting Apartments in Beaufort, SC

Joseph Coupal - Tuesday, December 06, 2016

Ashton Pointe Apartments, Beaufort, SCWhile there are clearly benefits to buying a home, renting has some advantages that you should consider before you make a final decision to become a homeowner as a single parent.

Investment risk

While real estate is generally considered a good investment, there's no guaranteed profit. The value of your home depends on forces that you can’t control, like the job market, the supply of houses and zoning changes.

You can improve the worth of your home by taking care of it, and can increase your equity by paying down the mortgage balance, but if your home drops in value, you could lose money when you need to sell.

Maintenance

Renters benefit from the fact that the landlord is responsible for maintenance and repairs – both the cost and the hassle of hiring someone to take care of the property.

Buyers sometimes forget to budget for the inevitable cost of home repairs.

Flexibility to relocate

One of the biggest reasons to continue renting is the possibility that you may want to change jobs or transfer to a new location.

Or you may want to escape some awful new neighbors or decide you hate your commute.

Renters can more easily end a lease, while buyers need to sell their home or rent it out and become landlords themselves.

Fewer financial obligations

Of course, renters must pay rent, renter’s insurance and sometimes utility bills.

However, homeowners pay mortgage principal and interest, property taxes, homeowner’s insurance and utilities. There may also be homeowner’s association (HOA) fees and mortgage insurance.

In addition, single parent homeowners should budget about one percent of the property value each year for maintenance and repairs, or purchase a home warranty.

For more information on apartments in Beaufort, SC contact Ashton Pointe.

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Excerpts - themortgagereports.com


Downsizing and Renting Apartments in Beaufort, SC

Joseph Coupal - Tuesday, November 29, 2016

Ashton Pointe Apartments in Beaufort, SCPick up a design magazine or take a look at the real estate section of the paper and you’ll find something about downsizing. But the word means different things to different people. Downsizing often means moving into smaller, less expensive spaces, but some people are trading up and starting over.

However, according to the US Census, more than half of homeowners in the 55-to-64 age group are not buying new properties — luxury or otherwise. Some of them are staying where they are, but a growing number are selling their homes and moving into rentals like apartments in Beaufort, SC.

We have found a sharp swing toward moving to rental apartments compared to homeownership among the 55-plus population. During 2000, just over half (52.5 percent) of older recent movers moved to a rental. This proportion rose to 63 percent by 2013-14.

Regardless of whether they are looking to buy or to rent, downsizers are a highly visible group these days.

Whether downsizers sell and buy or sell and rent, there is one tax advantage, a “big one”.

US tax law generally allows an individual seller “to exclude from federal taxes the first $250,000 of gain on the sale of a primary residence ($500,000 for married couples filing jointly) that has been occupied for at least two of the five years preceding the sale”.

This can be a big windfall for people who are selling in anticipation of retirement. Also, the aforementioned rule applies to the house sale, no matter if a cheaper or more expensive home is acquired to replace the sold residence or if no replacement is made, e.g., the homeowner moves to a rental.

Either way, moving is a foreboding task, but you don’t have to go it alone.

Retirees can trade space for the lifestyle. Once you get to a certain point in your life, it becomes apparent what spaces — and stuff — you use and need, and then it’s time to ask yourself, “What do I do with the stuff?’ ”

For more information on 2 bedroom apartments in Beaufort, SC, contact Ashton Pointe.

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Boston Globe


Living in Beaufort, SC this Time of Year

Joseph Coupal - Tuesday, November 22, 2016

If you live in an apartment in Beaufort, SC there are some fun and festive events coming up around Beaufort! Here are just a few:

Ashton Pointe Apartments, Beaufort, SCFestival of Trees & A Night on the Town
December 2 - 4, 6pm-9pm,  Bay Street, Historic Downtown Beaufort

December 3

Christmas Taste of Gullah
December 3, 1PM-5PM — tickets sold at event
901 Craven Street, Historic Downtown Beaufort
Gullah Chefs strut their BEST Stuff with mouthwatering Holiday Soul Foods...Gullah Artist Marketplace & Live Entertainment... Historic Tabernacle Baptist Church.

9th Festival of Trees
December 3, — tickets sold at event
Tabby Place, 913 Port Republic St., Historic Downtown Beaufort

Boat Parade
December 3, 6PM
Henry Chamber's Waterfront Park, Bay Street, Historic Downtown Beaufort

December 4

Beaufort Annual Christmas Parade - Let it Snow
December 4, 3PM
Historic Downtown Beaufort

“Lowcountry is as much a philosophy as it is a place, and Beaufort is a place you visit as much for serendipity as for scenery.” — Charlotte Magazine

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Beaufortsc.org


Reasons to Keep Renting an Apartment in Beaufort, SC

Joseph Coupal - Wednesday, November 16, 2016

While there are pros and cons to renting and buying , the decision is ultimately personal. Here are some signs you should keep renting your apartment in Beaufort, SC.

1. Not Much Savings

Sometimes it’s tempting when you hear of low down payment options for buying a home. But if you don’t have an emergency fund yet, or if purchasing a home would drain all of your savings, you probably aren’t ready. Homeownership comes with expenses so you want to make sure you have money set aside for home repairs on top of the usual living expenses.

2. Uncertain Job Situation

Signing a mortgage means you are agreeing to pay money every month to own that home. If you have a stable job that you love, this can be great. But if you are unsure whether you will have your job for the next few years, you may want to wait. Even if you’ve just gotten a new job and you are very excited, it may be wise to get a feel for the company before you jump into homeownership. You’ll want to know whether the company is hiring or laying people off and what its financial outlook is to determine your own job security.

If you aren’t certain where you will be in a few years, or perhaps even months, you might want to keep renting for now.

3. No Time for Research

Buying a home is a big decision. You’ll want to learn what you can about the local housing market, including the pricing trends, the school district and the property taxes. Another thing to consider is how well you know the home itself. Sure, that roof looks good, but an expert may tell you it needs to be replaced soon. That’s not the kind of surprise you want after you’ve spent a lot on a down payment. Don’t rush into homeownership without doing your research.

4. Fear

If the thought of buying a home makes you so nervous that you are making yourself sick or having trouble sleeping, you need to explore the reasons before you move forward. Perhaps you aren’t sure this is the right time or the right house. Maybe you don’t want to take on a long-term loan like a mortgage or you worry about being tied to one location. Before you take on a mortgage, it might be best to determine what is truly bothering you.

For more information on renting an one bedroom apartment in Beaufort, SC, contact Ashton Pointe.

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Credit.com



Ashton Pointe Apartment Homes

100 Ashton Pointe Boulevard, Beaufort, SC 29906

Call: 844-820-6515
Email UsAshtonPointe.PropertySite.HHHunt@aptleasing.info
View Map

Opens: Monday-Friday: 9A-6P | Saturday: 10A-5P | Sunday: CLOSED

$963-$1233