A Spot On The Water


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About Joanne Jacobs

I have a background in administrative and accounting positions; but my dream was to become a realtor.

30 years ago, that dream came true, and I embarked on my new profession with enthusiasm. This has worked for me. I reached very high sales levels; but that is not what is important to you.

My communication skills make me an outstanding realtor. I also devote my life to servicing my clients; and I have many happy customers. I give service; I follow up with the detail work from the time the contract is written until it has successfully closed. NEVER too busy to answer my telephone. My work is My life. It is also a profession that I truly love.
My clilents are happy with my services - I hope to have the opportunity to prove this to you when you need the services of a Professional Realtor.

Charles Rutenberg Realty

Joanne Jacobs Charles Rutenberg Realty

Joanne Jacobs


Real Estate Glossary Terms

  • Key Indication Series

    Measures looking at the past, current a future direction of the economy. They may have an impact on the real estate market. Each month government bodies, including the Federal Reserve System and several economic institutions publish economic indicators. These consist of the following general categor ...

  • Reversion

    The definition of reversion in real estate is the return of property or assets to their original owner after a prespecified event or occurrence. This real estate term is used primarily in documents pertaining to estates and their execution, but can also be used in other circumstances. In the followi ...

  • Principal

    The portion of the monthly payment that is used to reduce the loan balance. ...

  • Claims Occurrence Basis Liability Coverage

    Method of determining whether or not coverage is available for a specific claim. If a claim arises out of an event during the period when a policy is in force, the insurance company is responsible for its payment, up to the limits of the policy, regardless of when the business submits the claim. Exp ...

  • Financed Insurance

    Same as term Final insurance: premiums paid out of funds borrowed from the cash value of a life insurance policy. ...

Real Estate Advice


Homebuyer Tips

Timeshare Units - Owning A Property Part-time Or Full Time

Timeshare Units - Owning A Property Part-time Or Full Time

Timeshares have been a huge success in the US for a few decades, starting in 1965, when the first hotel-condominium was built in Hawaii. How did timeshares come into being? Well, real estate developers who wanted to speed up the sale of their condos invented partial ownership and thought of selling the right to live in their apartments for one week every year. The ...

Homebuyer Tips

Waterfront Properties For Sale In Pasadena, MD

Waterfront Properties For Sale In Pasadena, MD

There are many places where you can find the most amazing waterfront properties in the U.S. but let’s take a look at the options available in Maryland. Between the Patapsco and Magothy Rivers, you will find the small town of Pasadena, MD with its many estuaries that offer countless possibilities for properties down by the river, but not only. Looking for ...

Homebuyer Tips

Living In Cape Coral Florida

Living In Cape Coral Florida

When people start talking about Florida they mostly focus on Orlando, Miami, maybe Naples or The Villages if they are focused on places to retire, but most overlook Cape Coral, FL. There are many reasons why people do this as it isn’t a major city in Florida, but far more reasons why they shouldn’t. Located in Southwestern Florida, the city of Cape Coral, ...

Homebuyer Tips

Living In Charlotte, NC Pros And Cons

Living In Charlotte, NC Pros And Cons

The most populous city of North Carolina, Charlotte is also the county seat for the county of Mecklenburg. The city is considered to be a relatively new city that is still developing as many of the people living in Charlotte, NC aren’t sure if that’s a pro or a con. Its population is still growing having surpassed 873,000 residents as of 2018 which is also ...

Home Seller Tips

When A Friend Lists For Sale By Owner

When A Friend Lists For Sale By Owner

Being a real estate agent kinda makes you the go-to person for friends and family who are looking into buying or selling a house. When you find out that a friend of yours is going about selling their house on their own, of course you know what this means. Aside from the tips and tricks that they might come to you for help with, it’s also the fact that you know ...

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