Addison County Real Estate - Summer 2012
Scoping out property in Addison County? Check out our real estate section for some tips and tricks for purchasing a home, as well as stories and featured properties.
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According to the Northern New England Real Estate Information Network, the sales of single-family homes are up 8.75 percent from last year during the spring period (April through June). These same factors also make the current market rosier for sellers. Although this may seem like a drastic change from the dull prospects of previous years in the real estate market, the current buying and selling climate is a product of the nature of "The market is real estate, experts said. Bonnie Gridley, owner dynamic. of RE/MAX Champlain Valley Properties, said that Many people don't understand that every time a house comes onto the market or one goes under contract and sells, the market changes." -- Bonnie Gridley, owner of RE/MAX Champlain Valley Property situation and understand their buying potential. For sellers, brokers agree that it is worthwhile to invest in minor updates and time to clean and freshen the home before it is listed. They said sellers should be also realistic about the listing, always price to sell, and welcome any opportunity to show the property. Information like this can be crucial in of the market that many people forget. "The market is dynamic. Many people don't understand that every time a house comes onto the market or one goes under contract and sells, the market changes," said Gridley. "The availability of money and loans and the lending climate contributes to the market, as well as the local job market and economy of the area ... as well as the country and the world." In light of these constant changes, it is important for both buyers and sellers to note market strategies. Gridley said that the best move for buyers starting the process is to work with a lender to take advantage THE CURRENT COUNTY market is improving and offering positives for both buyers and sellers, according to local experts. Low inter- est rates and growing demand for properties are contributing to favorable conditions. Independent photo/Andrea Warren avoiding stressful found. It can be very "I think more and more and exhausting home disappointing for a buying or selling. people will rely on and use Bill Martin of Green technology in their everyday home only to have Tree Real Estate real estate transactions than someone else get it attributes buyers' ever before. Our profession in because you were not and sellers' recent Addison County needs more prepared." success to increased Martin predicts that knowledge of the way young tech-savvy people to there will be a steady real estate works, plus become involved." increase in the local -- Century 21 Jack Associates real estate market, preparation. broker Neil Mackey with gradual increases "More than ever buyers are educated in value. He believes about the home buying that Vermont and process," said Martin. "The vast majority of Addison County in particular are desirable buyers have also listened to Realtors' advice places to live and will work to boost a to be pre-approved with a lender. Both of market upturn. these are good for the buyers so that they As the market changes over the months will be ready when the right property is and years, so do the ways transactions are handled. Current technologies can make it easier for parties involved to buy or sell Associates broker Neil Mackey said that the trends in technology would continue to motivate market changes in the future. "I think more and more people will rely on and use technology in their everyday real estate transactions than ever before," said Mackey. "Our profession in Addison County needs more young tech-savvy people to become involved." In sum, while the buying and selling process is complex, it can be made easier by knowing the current real estate market. At the moment, there are advantages for buyers and sellers alike, and becoming educated in P Alyth Hescock, Certi ed General Real Estate Appraiser A , LLC A Special Publication of The Addison Independent, Monday, July 9, 2012 -- PAGE 3 PAGE 4 -- A Special Publication of The Addison Independent, Monday, July 9, 2012 Editors' note For all the prospective home buyers out there, take a minute to look at these interest rates -- homebuyers today can get a mortgage for, in some cases, less than 4 percent interest. According to the Federal Home Loan Mortgage Corporation's mortgage market survey, these rates are some of the lowest on record in the last two decades. Which means, for those whose work and family situation is fairly secure for the next few years, it may be a good time to buy a house. A conversation with a thinking about buying determine if now is the time. And for those selling a home, real estate professionals are telling us that that while the market has not returned to the glory days of a decade ago, it is certainly more active than it was two our three years ago in the depths of the recession. The National Association of Realtors recently reported that the number of people who signed contracts to buy previously occupied homes rose in May, matching the fastest pace in two years. Another real estate trade group currently tracking the market says that sales of single-family homes in Northern New England this past spring were up 8.75 percent from the same period last year. We hope readers will use this supplement as a guide to get started with buying or selling a house while interest rates are low and the market continues to turn around. Talk with family and friends who have been through the process, and don't forget that many real estate professionals have years of experience and resources that can help you buy or sell a home. -- The editors Dream house (Continued from Page 1) - thing perfect. They were on the search for a mod- Moving into an old home did not seem comfort- - ties they looked at seemed like great deals, but after calculating repairs and renovations needed resulting total cost suddenly fell from reach. When looking at houses built at the turn of the last century, they were unsure of the return those properties would yield. "Say the house is listed for $230,000, you get it for 220 or 225. That may seem like a pretty good deal," Colby Benjamin said. "But then you're looking at closing costs, a new roof, a new foun- dation, potentially other things that you want to change ... to me I was looking at those houses and going `Market value is 225, I have to sink 50,000 or 60,000 into it to get it up to where I want the house ... is it ever going to be worth 310 or 315? Am I ever going to make that money THIS HALLADAY ROAD home proved to be just right for homebuyers Monica and When they saw their current home, Benjamin Colby Benjamin, who found it after over a year of searching in Addison County. says he knew right away. Independent photos/Christy Lynn ourselves living in, and it was a price that we could afford," he said. They moved quickly to put in a bid, and got it. With an offer in only a couple of days after of seeing it, they had a contract the next week, and closed on the property six weeks later. Looking back at the process, Benjamin recalls most helpful advice he was given, he said, was to "make sure we were buying a house because we actually wanted to live here, and not just buying a house because we wanted a house." It sounds simple, but Benjamin says that once that friends and family provided along the way. they were able to answer "yes" to that question, As a son of a general contractor, and with more they were able to get serious about buying. Benjamin also recalls their decision to buy a Benjamin had many guides as a home buyer. The (See Benjamins, Page 12) Put the Sun to Work! Don't spend your hard earned money on making the hot water or electricity that you use today � SOLAR IS MORE AFFORDABLE THAN EVER! "I don't think that my on demand system has come on at all since the install... and this is the middle of winter. My kids are taking reasonable length showers without me complaining and I am using warm water to wash my clothes again, which I haven't done in years." Linda Knutson Go green with us � Bristol Electronics is now fully solar powered. "We've been thrilled. I open the basement door to listen for the sound of the pump when the sun shines. It's comforting to know... it's a good feeling." Nathan Burt We've been here for you for 40 years � Let us help you with your solar projects. 1 Vermont # stems ater Sy W Solar Hot 2011 with installer in llations! sta over 100 in BRISTOL ELECTRONICS 802-453-2500 KEEP IT LOCAL A Special Publication of The Addison Independent, Monday, July 9, 2012 -- PAGE 5 Vermont (Continued from Page 1) percent increase from last year. The median sale last year. More homes have been introduced price of homes in the area is $185,900, which is to the market in recent months, generating a 13.5 percent decrease from last year. Despite the fall in home prices so far, experts do expect greater activity. Broker Neil Mackey of Century 21 Jack them to rise this year due to the low interest Associates said that one consequence of this rates and growing demand. In spite of some negative trends in the increase in options is that local buyers have regional and national markets, higher expectations. "The buyers have more inventory "I expect from the recently lower costs of to choose from," said Mackey. "I recently had buyers that looked the market mortgage funds. In April, Federal Reserve policy makers said they at 18 different properties before may slow making an offer that went under in the next intended to keep interest rates low for the foreseeable future. contract." Due to factors like mortgage Mackey said challenges could few years as interest rates and the general economy, the Addison County market has seen a wants of buyers and sellers. He said while sellers usually expect to get rates start sudden spike in activity. However, not all experts predict it will grow. more than their property is worth, to climb Geri Reilly Real Estate agent Jill buyers are looking for bargain prices. back up." Fraga interprets this spring as Bringing these two sides together -- Geri Reilly "stable" and believes that the local determines the fair market value and Real Estate area market is not necessarily on the -- if it happens at the current rate -- agent Jill Fraga rise because rates may not stay low boosts creates a more active market. forever as demand rises. Higher selling activity can "I expect the market may slow in the next be partially attributed to Vermont's low unemployment rate. Vermont boasts the few years as interest rates start to climb back lowest jobless rate among New England's six up," said Fraga. While Fraga has a slightly less optimistic states, and Addison County's relatively stable economic situation has boosted real estate outlook, she also says that area trends have demand, according to the experts and the stats. been positively focused around sustainable Addison County's pending listings have risen living. More and more attention has been paid by 29 percent this year, and homes have spent to sustainable aspects in homes and has become an average of 64 days on the market, a dramatic a popular point of interest for buyers in the area, something that may offer another positive view decrease from last year's average of 211 days. According to Coldwell Banker Hickok and of the current state of our state. "Buyers seem to be paying more attention to Boardman's Northwest Vermont early spring 2012 market report, Addison County recorded 65 residential sales from January to April, a 14 size, age or systems of the home," said Fraga. Straightforward Advice from Real Estate Professionals Choose the Right REALTOR� A Realtor with experience and knowledge will be able to provide you with the guidance you need to make informed decisions. Make sure you choose wisely. Prioritizing Your Needs List When people decide to start looking for that perfect home, most have a vague idea of what they want. While it's helpful to not have things set in stone, it will be a plus for you and your Realtor to make a list of what features you have to have in your next home. Is the kitchen the center of your universe at home? If it is, a great kitch- you spend a lot of time outside? You'll want to have some outdoor living space such as a deck or patio. Love to work out? You'll need space for your exercise equipment. Once you know what you can and can't live without, prioritize. What if the house doesn't have the perfect indoor gym space? Is there room to create it or is this a compromise you're not willing to make? Once you have the list, communicate with your Realtor. They can make your wants and needs a reality with a little help from you! The Right Questions to Ask A REALTOR� How long have you been in the business? Experience is key when hiring a Realtor, especially when it comes to guidance during negotiations. When selling a home, A Realtor's con- tacts are invaluable and can reduce the time your home is on the mar- ket. When buying a home, A Realtor's knowledge of the marketplace can save you time and help you avoid looking at homes that don't meet your needs. What's your best strategy to help me achieve my goals? If you're selling: How will you sell my home? What tools will you use to approach the sale of my home? Will you focus on one form of market- ing, or is your approach to marketing multi-faceted? If you're buying: How will you help me during the Purchase pro- cess? What services can I expect? Do you have references, and would you be willing to let me con- tact your former clients? Ask former clients/customers what their experience with the Realtor was like, how they handled details and how their team worked together. What haven't I asked you that I need to know? There will always be questions. How a Realtor answers them can tell you a lot about their knowledge and how you will interact. You want a Realtor who hears you, addresses your concerns and deals head-on with any questions you may have. Location Location, location, location! How many times have you heard this? It still holds true, and always will. You can re-model, re-design and land- scape but you can't change the location. Where you buy the home is just as important as the home, if you've got appreciation of value in mind. Home Inspections A home inspection is a sound investment -- it could save you thou- sands of dollars! A professional home inspector will examine structural, mechanical, electrical, plumbing and heating as well as other systems, and can help you make informed decisions. Your Lender and Your Loan best for you. Choose your lender wisely and make sure the loan program is appro- Buy a Home You Can Afford Use a lender's guidelines and your family budget to decide how much house you can afford. You want to get the most house for your money without over extending yourself. Buy a Home You Like Buying a home can be an emotional decision for you and your fam- ily. Think it through and weigh the pros and cons. It's OK to garner input from family and friends, just remember that you're the one that www.middvermontrealestate.com Ingrid Punderson Jackson Real Estate 44 Main Street Middlebury, VT 05753 802-388-4242 PAGE 6 -- A Special Publication of The Addison Independent, Monday, July 9, 2012 Low rates, programs seen helping many homebuyers By LAUREN DAVIDSON - ures demonstrate, individuals in the home- has proved to be beneficial to Addison The Addison Independent recently vice president and loan de- have been around for a while available for - the current area real estate mar- question and answer outlines - spective on home Q: What have you no- ticed about the real estate mar- Q & A - Q: In the past months, what is there new and different A: There has been purchase and re- - tions and extremely - this observation is relative to - Q: A tax credit was available for first- THE BENJAMINS ENJOY the kitchen in their new home. The open layout and mod- ern design of this 10-year-old home was one of many selling features for this young couple. Independent photo/Christy Lynn - A: I am not aware of any current tax Delightful Country Home e Blake House between Rutland and Middlebury. Myriad architectural details of historical significance, but also new custom kitchen, updated bathrooms, and new furnace. 6 picturesque acres. It is gracious, spacious, altogether gorgeous and offered at the reasonable price of $565,000. Call Betty Ann Martin 802-747-7100 877-208-0222 toll free c. 1830 Stone Manor Green Mountain Realty A Special Publication of The Addison Independent, Monday, July 9, 2012 -- PAGE 7 PAGE 10 -- A Special Publication of The Addison Independent, Monday, July 9, 2012 By MARCY GORDON WASHINGTON (AP) -- The average The number of people who signed contracts to buy previously occupied homes rose in May, matching the fastest pace in two years, the National Association of Realtors reported June 27. 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R P ed ric uc e ed ! acre lot. 3 car garage/workshop, R P ed ric uc e ed ! East Middlebury � Immaculately maintained 3 BR 2 bath home on Middlebury � Spacious well maintained 3 BR, 2 bath home on a lovely landscaped 1 acre lot. LAKE FRONT Orwell � Tradi- tional NE fully dormered cape w/ screened porch with panoramic 3BR, 2 bath home on 1.5 acres 2 midvthomes.com car garage w/workshop basement awaits your custom b o n n i e @ m i d v t h o m e s . c o m midvthomes.com $250,000 PAGE 12 -- A Special Publication of The Addison Independent, Monday, July 9, 2012 Benjamins (Continued from Page 4) home that was move-in-ready, rather than to buy a home that needed more serious work. - time," he said. - said. - - ect, and it turns out to be a nightmare," he added. that goes into owning a house and make sure when your furnace breaks down, or something - ways know." - have to go onto a credit card with a high interest for it." In the end, it seems to have been worth the - - aging search, "but it was fun, too. And now it THE BENJAMINS' NEW pool offers a great summer refuge as the weather stays warm in Addison County. Independent photo/Christy Lynn Check Out This Bristol Gem! Vintage Village Greek Revival. 3 bedroom, high ceilings, restaurants & schools. Great backyard, plenty of off-street parking. Currently used as a 2-family w/ upstairs apt. rental. MLS#4150962 $204,999 VINYL SIDING & ROOFING Lake Dunmore � Camp Winona Camp Winona, one of the original cottages of the famous Lake Dunmore Hotel. Renovated with an upstairs kitchen and living area. Direct river frontage, deeded land, lake frontage directly across the road. Lake and mountain views from upper deck and screened-in lower porch. Some furnishings included. Currently being used as a 2 family cottage. MLS #4156428, New price $329,500 Al LeMay ALSO TREE WORK Susan Gulrajani, Realtor 802.989.9717 SusanG@HickokandBoardman.com MyHomeinVermont.com A Special Publication of The Addison Independent, Monday, July 9, 2012 -- PAGE 13 Vermont: Greater Burlington, St. Albans, Middlebury, Vergennes, Fairlee, Londonderry, Lyndonville, Manchester, Norwich, Rutland, Woodstock New Hampshire: Hanover, West Lebanon, Grantham Opening New Doors Every DayTM FR ON T FR ON T LA KE LA KE PR IC E FERRISBURGH 4 br, 3 bath home on 20.13� acres $749,000 MLS 4138598 PANTON 2 br, 2 bath home on .85� acres $529,000 MLS 4144775 FERRISBURGH 3 br, 1 bath home on .10� acres $525,000 MLS 4158512 VERGENNES 6 br, 3 bath home on 4.129� acres $379,000 MLS 3071034 FERRISBURGH 3 br, 3 bath home on 2.1� acres $349,000 MLS 4152760 NEW HAVEN 3 br, 2 bath home on 1.1� acres $335,000 MLS 4155672 NE W BR AN D VERGENNES 3 br, 2 bath home on .3� acres $279,000 MLS 4062117 ADDISON 3 br, 2 bath home on 5.01� acres $254,900 MLS 4163897 TW O UN IT VERGENNES 5 br, 3 bath home on .18� acres $242,000 MLS 4113935 ADDISON 4 br, 3 bath home on 5.07� acres $229,000 MLS 4081282 FERRISBURGH 2 br, 2 bath home on .5� acres $212,000 MLS 4153229 BRISTOL 3 br, 2 bath home on .92� acres $189,950 MLS 4070538 FR ON T ADDISON 3 br, 2 bath home on 1� acres $185,000 MLS 4084225 VERGENNES 3 br, 2 bath home on 1.14� acres $184,900 MLS 4151138 ADDISON 3 br, 2 bath home on 10.10� acres $177,800 MLS 4140565 ADDISON 6 br, 5 bath home on 71.79� acres $895,000 MLS 4143347 LA KE BRIDPORT 3 br, 3 bath on 11.46� acres $692,500 MLS 4164501 LA KE ADDISON 3 br, 3 bath home on 12.3� acres $595,000 MLS 4154979 FR ON T MIDDLEBURY 4 br, 3 bath home on .3� acres $409,000 MLS 4144782 NEW HAVEN 4 br, 4 bath home on 15.45� acres $398,000 MLS 4081508 BRIDPORT 4 br, 3 bath home on 20.21� acres $398,000 MLS 4139510 NEW HAVEN 6 br, 3 bath home on 3.45� acres $395,000 MLS 4141197 WEYBRIDGE 2 br, 2 bath home on 13.68� acres $395,000 MLS 4018459 MIDDLEBURY 4 br, 2 bath home on .21� acres $379,900 MLS 4146168 MIDDLEBURY 3 br, 2 bath home on 2.52� acres $329,000 MLS 4126217 CORNWALL 4 br, 2 bath on 23.10� acres $324,900 MLS 4116292 MIDDLEBURY 4 br, 3 bath home on .86� acres $292,000 MLS 4163316 SHOREHAM 3 br, 2 bath home on .61� acres $267,500 MLS 4123916 VERGENNES 4 br, 2 bath home on .4� acres $249,000 MLS 4160503 LA KE VI EW S BRIDPORT 2 br, 2 bath home on 11.44� acres $245,000 MLS 4098134 LEICESTER convenience store $320,000 MLS 4135845 VERGENNES Commercial/Residential on Main Street $199,000 MLS 4035962 NEW HAVEN 14 guest room motel near Middlebury $649,000 MLS 4128837 FERRISBURGH Light manufacturing/retail space on Route 7 $448,346 MLS 4151761 BRISTOL $299,900 MLS 4093611 VERGENNES Turn-key ice cream shop with rental space $449,000 MLS 4028157 COMMERCIAL PROPERTIES Lang McLaughry Spera Middlebury Connie Houston Manager Broker January Stearns REALTOR�/Broker Courtney Houston REALTOR�/Broker 66 Court Street Middlebury, Vermont 05753 802-388-1000 800-856-7585 802-388-7115 (fax) 268 Main Street Vergennes, Vermont 05491 802-877-3232 800-577-3232 802-877-2227 (fax) Christine Fraioli REALTOR� Nancy Larrow REALTOR� OT TE R VERGENNES 5 br, 4 bath home on .45� acres $329,000 MLS 4051260 ADDISON 3 br, 2 bath home on 10.09� acres $187,500 MLS 4109391 CORNWALL 4 br, 4 bath home on 12.6� acres $529,000 MLS 4124501 WALTHAM 4 br, 3 bath home on 7.84� acres $379,000 MLS 4164205 BRISTOL 4 br, 3 bath home on .75� acres $236,900 MLS 4084345 Liz Marino REALTOR� Donna LaBerge Nancy Ryan REALTOR�/Broker REALTOR�/Broker Karla Huinzenga REALTOR� Richard Esty REALTOR� Karen Merrill REALTOR� John Nelson REALTOR� NE W CR EE K PAGE 14 -- A Special Publication of The Addison Independent, Monday, July 9, 2012 National market picks up How does Vt's education property tax system work Editor's note: In Vermont, the state sets the education property tax rate, along with local school boards. All homeowners pay property tax to pay for public schools based on the value of their home and land, and many receive a discount based on their income. The Department of Taxes provided this FAQ about the education property tax rate. How are the education tax rates set? Americans bought new homes in May at the fastest pace since April 2010, according to the Commerce Department. Sales rose 7.6 percent in May from April to a seasonally adjusted annual rate of 369,000 homes. How does the spending level voted in my town affect the homestead education tax rate? What is the purpose of the common level of appraisal? (See Property taxes, Page 15) Kittredge Land Surveying, PLLC Seth W. Kittredge, L.S. Boundary Retracement � Subdivisions Boundary Line Adjustments Replacement of Missing Corner Monuments Vermont Land Records Research Expert Witness Services Topographic/Site Surveys Construction Layout Phone: 802-870-7028 Cell: 802-989-1625 28 Thomas Circle - Vergennes, Vt. 05491 email: firstname.lastname@example.org George Brewer Mirjam Brett Brian Valley Friendly & Comprehensive Service for Buyers & Sellers in Addison County and Beyond 2337 Rt. 7 South Middlebury, VT www.acrevt.com A Special Publication of The Addison Independent, Monday, July 9, 2012 -- PAGE 15 Property taxes (Continued from Page 14) $13,900 per pupil. � (Base Spending) 8,723 = (District Spending Adjustment) 1.55050 or The homestead tax rate will be $1.4182. That's = 1.85246 155.050%. $0.89 times the district spending adjustment. Rate becomes: (Locally Approved per Pupil Spending) (District spending adjustment) 1.85246 The effective homestead tax rate is now calcu- $13,900 x (Base rate) $0.89) lated in the following way: � (Base Education Spending) $8,723 � CLA (Base Homestead Rate) $0.89 = (District Spending Adjustment) 1.59349 If the CLA is 85%, the homestead rate is: x (District Spending Adjustment) 1.55050 (District spending adjustment) 1.85246 = (Effective Homestead Tax Rate) $1.3799. (Base Homestead Rate) $0.89 x (Base Rate) $0.89) x (District Spending Adjustment) 1.59349 � (CLA) .85 If the CLA in your town is 90.00%, your = (Effective Homestead Tax Rate) $1.4182. = $1.9396 homestead education rate to be applied to home- In this example, the excess spending adjust- stead properties becomes $1.0409. The nonresidential tax rate is $1.38. ment adds about 7 cents to the homestead rate. (Effective Homestead Rate) $1.3799 � (CLA) 0.9000 Of course, both these rates would then be ad- - = (Tax Rate Paid by Homestead Properties) justed by the CLA. $1.5332 - Keep in mind that some town districts are also school districts. In those instances, the tax rate is a combination of the individual rates of the dif- Yes. If a town has "excess spending," then the ferent districts of which you are a member. Department of Education includes that excess Is the nonresidential tax rate of $1.38 ad- twice in the computation of its district spend- - ing adjustment. Excess spending means the per- pupil spending (less eligible construction costs) No. The rate for nonresidential property is the is in excess of 125 percent of the excess spend- same for all property in Vermont. It is adjusted ing base. For tax year 2012 (FY13), the excess only by the common level of appraisal. If the spending base is $11,873. So the threshold is CLA is 90.00% the rate becomes: $14,841 (1.25 x $11,873). Let's look at an ex- (Nonresidential Tax Rate) $1.38 ample: � (CLA) .9000 Your school district spends $15,500 per pupil. = (Effective Nonresidential Tax Rate) $1.5333. The excess spending base is $11,873. 125% of - $11,873 is $14,841. Your per-pupil spending exceeds the threshold by $659. ($15,500 � $14,841. This is your school Yes. In towns with per pupil spending in district's excess spending. excess of $13,526 the homestead rate will be The district spending adjustment is: [(District spending) 15,500 + (Excess spend- 2013. Consider a school district with spending of ing) 659] - The selectboard determines the amount to be total municipal grand list established by the list- ers. There is no adjustment for the common level of appraisal as there is no need to adjust the mu- nicipal values to a single point in time. This is not a state tax requiring equalization across towns. There is a property tax adjustment worksheet on the Tax Department website. It can used to estimate the property tax adjustment credit. Visit the link below: www.state.vt.us/tax/propertyadj.shtml assures that a Vermont resident will not pay more than the statutorily established percent- age of household income for property taxes on Yes. In those towns that have reappraised for his or her housesite (house and up to two acres). 2012, the common level of appraisal used to The difference between the taxpayer's property calculate the rates will be the ratio of the reap- tax bill and the property tax based on house- praised 2012 education grand list to the equal- hold income is paid by the State in the form of a property tax adjustment credit. The money is 2012. The Director of PVR is charged by statute paid directly to the Town. The Town then is- with determining whether a reappraisal has oc- sues the homeowner a property tax bill for the curred that warrants a new CLA.. net due. The property tax adjustment calculation uses prior year household income and prior year property taxes. - - No. Municipal taxes that pay for highways Call the Taxpayer Services Division at 802- and other municipal services are levied on the 828-2865 or toll free in Vermont at 866- 828- municipal grand list. With the exception of the 2865. few communities that have different rates in ac- You can also send e-mail to: schooltax@state. cord with their charter, municipal taxes are not vt.us. For Sale by Owner Middlebury Cape Convenient and well-kept three bedroom house in Middlebury. In-town on spacious .41 acre lot. Easy walk to schools, downtown. Hardwood floors, bay window, brick fireplace with wood stove, finished basement with workshop, two-car garage. Recently renovated kitchen and upstairs bath, lovely new back porch. $310,000. BillBeck.com CURIOUS ABOUT THE MARKET? Much has been written about the real estate market over the past ve years. While the number of sales has decreased, values in Vermont have not decreased by double digits as they have in other parts of the country. If you would like a CURRENT MARKET EVALUATION of your property re ecting recent sales in Addison County, please contact us to schedule a complimentary analysis with no obligation. Coldwell Banker Contact Steve Abbott: (802) 377-7762 or email@example.com. JIPNER HOME INSPECTIONS, LLC A HOME INSPECTION SERVICE COMPANY Inspecting ne homes since 2000 VAUGHN JIPNER LICENSED, INSURED & CERTIFIED firstname.lastname@example.org JIPNERHOMEINSPECTIONS.COM Easy to read computerized electronic reports -- PDF Format. Bill Beck Real Estate 802-388-7983 Email: email@example.com PAGE 16 -- A Special Publication of The Addison Independent, Monday, July 9, 2012