SWGA HOMES 05/13/18 by Albany Herald

4C • SUNDAY, MAY 13 2018

HOMES albanyherald.com

Southwest Georgia

547096-1

SWGA Selling Team ERA All In One Realty Realtors

Jean Shiver 229-347-0221 Jeanshiver@gmail.com 547117-1

Blake Williams 229-560-4068 Blake.Williams@era.com

FEATURE HOME This Week’s

Allan Willcox Willcox Realty LLC Associate Broker

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229-435-1717 - Office 229-886-2828 - Cell allanwillcox@gmail.com www.willcoxrealty.com

Debbie Fulford

ReMax of Albany Inc. Associate Broker, CRS, ABR

1916 Devon Dr, Albany, GA 31721 3 beds 3 baths 2,656 sqft | $174,900

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229-317-4126 - Office 229-343-4200 - Mobile debfulford@gmail.com www.remaxofalbany.com

SWGA HOMES

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 OPEN HOUSES  YOUR HOMES  HOMES FOR SALE  RENTAL HOMES  MORTGAGE BROKERS  DAILY REAL ESTATE NEWS  CLASSIFIEDS

HOMES Southwest Georgia

• Albany • Americus • Bainbridge • Cordele • Moultrie • Sylvester • Tifton

SWGA

547098-1

TOP MORTGAGE BROKERS!

UPDATED MOVE-IN Condition in NW Albany with 2,656 sq. ft. of living space, 3 spacious bedrooms and 2.5 baths!

This home has been beautifully updated and is priced to SELL! Features include a 2 story great room w/ built-in’s and a fireplace. An unbelievable kitchen with TONS of cabinets and counter top space, updated appliances, counter tops, hardware and fixtures. Spacious eat-in dining that is semi-open to the great room. Spacious formal dining room with new lighting and hardwood floors. Downstairs master suite with luxury master bath, double closets, a double vanity, huge whirlpool tub and a separate shower. Huge upstairs bedrooms, both with DOUBLE walk-in closets. The upstairs bath is also very large! The open Spacious outdoor patio perfect for entertaining, a full sprinkler system and large side yard. Located in NW Albany’s LAKE PARK school district! This is a GREAT home for the price!

Amanda- 229-357-0489 Kyla- 229-809-0494 www.amandaandkyla.com

TEAM AMANDA & KYLA ERA All in One Realty

Simple ways to cut mortgage costs

(MCC) - Monthly mortgage payments are the biggest single expense for many homeowners. So it’s understandable why plenty of homeowners would love to trim those costs. A host of factors determine how much homeowners pay for their mortgages each month. The cost of the home, the amount of the initial down payment and property taxes, which are often folded into monthly payments, will factor heavily into the cost of home ownership. While homeowners may feel as though there’s little wiggle room to cut the costs of their mortgages, there are several ways to do just that and potentially trim years from the life of a home loan. • Make bi-weekly payments. Making bi-weekly instead of once-a-month payments can save homeowners substantial amounts of money. A

year’s worth of once-a-month payments equates to 12 payments per year. But homeowners who pay on a bi-weekly basis will make 26 half payments, or 13 full payments, per year. That extra annual payment can be applied directly to the principal, dramatically reducing how much homeowners pay in interest over the life of their loans. • Stop paying PMI. Homeowners whose initial down payments are less than 20 percent of the sale price will have to pay private mortgage insurance, or PMI. But once the balances on such mortgages falls below 80 percent, homeowners can cancel such insurance. Homeowners may also be able to stop paying PMI by having their homes reappraised. • Refinance the loan. Refinancing a loan also can save homeowners substantial amounts of money each month. Homeowners are typi-

cally eligible for lower interest rates when refinancing their loans, meaning they will pay less in interest each month. However, refinancing is not free, so homeowners should first check the going home interest rates and examine their credit scores to see if the interest rate they’re likely to get upon refinancing will save them money. The cost of refinancing might be more than homeowners can save. • Request a tax reassessment. Real estate values increase and decrease, and homeowners who feel their homes have decreased in value can request that their homes be reassessed. Homeowners whose homes are assessed at a value lower than the current value can expect to pay less each month in taxes. Homeowners hoping to cut mortgage costs have various options at their disposal.

JAN T. PHILLIPS “YOUR MORTGAGE MADE EASY” 113 North Westover Blvd. Albany, GA 31707 229.349.7138 jphillips@bankPFB.com NMLS# 658982 NMLS#500174

bank PFB.com

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DID YOU KNOW? Spring cleaning is a ritual that many people participate in as the last vestiges of winter disappear. Spring cleaning is a time to open windows, deep clean rooms and closets and take down and launder window treatments and linens. Others use spring cleaning as a time to sort and donate or discard clutter that might have accumulated over the winter. Even though spring cleaning seems like a modern invention, the act of spring cleaning is believed to have originated centuries ago. Some say that the ancient Chinese cleaned in preparation for their New Year as they hoped to wipe away any bad luck and misfortune from the previous year. Similarly, the ancient Hebrew practice of thoroughly cleansing a home before the springtime feast of Passover may have evolved into the spring cleaning we know today. Another possible connection is the tradition of “shaking the house clean” in Iran. Iranians celebrate Now Rouz (Persian New Year) with many different rituals, one of which involves buying new clothes and cleaning every corner of the family home to signify renewal.

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SUNDAY, MAY 13 2018 • 5C

5 tips for financing your next home improvement project

(BPT) - Whether it’s transforming a fixer-upper into your dream home or just giving a makeover to your kitchen or bathroom, home improvement projects are on the minds of many new homeowners across the country. While many things about renovating your home are flexible, your budget might not be. In general, not a single floor board is laid, or a new countertop installed without money, which is why every home renovation project should begin with careful financial planning. To help homeowners with their renovation projects, Marcus by Goldman Sachs(R) is working with home renovation expert, JoJo Fletcher, to share her budgetfriendly home renovation tips.

it’s important to explore your options to find the one that’s right for you. Below are five important tips to keep in mind when deciding how to fund your next home project.

you need to have a solid sense of what your “all in” budget number is. This should not only account for hard and soft costs for things like labor, materials and designers, it should also account for contingency costs. Experts typically recommend budgeting an additional 15 to 20 percent for unexpected scenarios that might arise. A thoughtful budget will help keep your priorities in front of you and prevent you from spending more than you want.

1. Shop around. The better you plan, the better chance you’ll save money. Before anything gets torn out or installed, you should spend time consulting with contractors and getting estimates. Look at the work they’ve done to see if they would be a good fit. Most importantly, don’t be afraid to ask a lot of questions to make sure you’re working with the right people and paying the right price.

4. Remember, this is an investment! Not all home renovations will pay off in the long term. It’s important to consider cost vs. value before you start making changes, especially for homeowners looking to sell in the near future. If you plan on putting your house on the market sooner rather than later, be sure to keep track of the top home features to get the best return on your investment.

2. Consider financing options. There are several options when financing a home improvement project and it is important to choose the right fit for you. Home equity loans and home equity lines of credit (HELOC) require you to borrow against the value of your home, with home equity loans offering a lump sum while home equity lines of credit provide you with a credit line you can borrow against. An unsecured home improvement loan can be used based on your creditworthiness and ability to pay, not tied to a piece of collateral.

“Think about small changes you can make if you don’t have the time to take on a big project right now, like freshening up any kitchen by refinishing your cabinets with a bright white coat of paint,” said JoJo Fletcher, ambassador for Marcus by Goldman Sachs(R). “When it comes to financing a larger project, however, I recommend homeowners explore all their options in order to get the most out JoJo Fletcher added, “I recommend homeowners consider a home improvement loan if they are looking of their budget.” There are several ways to finance these projects and

DID YOU KNOW?

Using reclaimed timber when building or renovating a home benefits the environment in various ways. According to GreenBusinessWatch.org, building and renovating with reclaimed timber helps to preserve forests by greatly reducing the need to cut down trees. In addition, when using reclaimed timber to build or renovate a home, contractors and homeowners tend to use locally sourced reclaimed wood, reducing the need to transport wood from afar to complete the projects. That reduced reliance on transportation reduces fuel consumption and air pollution. Processing reclaimed timber is often less taxing on the environment than processing virgin wood. However, reclaimed timber may provide more than just environmental benefits. Virgin timber typically comes from commercially grown trees that are not always afforded enough time to reach full maturity. Timber that is reclaimed from old buildings and vessels may very well have reached full maturity before it was cut down to use as building material. Reclaimed timber that grew to full maturity is likely stronger than virgin wood taken from commercially grown trees that were not given enough time to mature. Reclaimed timber also may prove more durable than virgin wood because the former has already dried out after years of contracting and expanding, making it less likely to warp and split than virgin wood that has yet to endure such exposure.

5. Work with a designer. This might sound like a luxury or an added expense, but in many cases, a designer could actually help save money by finding deals or providing suggestions for less expensive alternatives, such as using quartz or white concrete instead of marble. Above all, their expertise can help avoid costly mistakes that can often arise when people try to cut corners on their own.

to borrow money and have good credit. For instance, Marcus by Goldman Sachs offers no-fee, fixed rate home improvement loans up to $40,000, which could be a better option than putting renovation costs on a higher interest credit card, or borrowing against your home’s equity. Applying for a loan is easy and you can see your offers in as little as five minutes.”

With these tips, you should be better prepared to finance your home improvement project. When you’re ready to start, you shouldn’t have to wait weeks for a home appraisal to get your renovation project underway. You could see your home improvement loan options from Marcus by Goldman Sachs in as little as five minutes and once approved, most people see the funds in their bank accounts in as little as four days. With Marcus you could be one step closer to your dream home.

3. Create a budget. Because of the nature of remodels, things often end up costing more than you might think. No matter how big or how small the project,

MORTGAGE RATES Subject To Change Upon Short Notice

LENDER AB&T 229-446-2265

30-YEAR 15-YEAR 1-YEAR ADJUSTABLE RATE (No Points) FHA and/or VA (30-Year) FHA and/or VA (15-Year) FIXED FIXED of 30 yr. Points 15 yr. Points USDA RATE RATE Rate Annual Life Loan Margin 100%

(No Points) (No Points)

Cap

Rate

30 yr.

4.50

4.00

4.50

3.875

4.375

4.00

5.00

4.50

4.00

4.375

4.00

4.375

4.00

4.25

Last Update 05/03/18

Ameris 229-434-4555 Last Update 02/22/18

Synovus Mortgage 229-430-7037 Last Update 05/03/18

Bank of Camilla 229-294-2068 Last Update 02/22/18

Rates can be reduced with discount points. Rates are subject to change upon short notice, and discount points could change frequently. One discount point is equal to one percentage point of the loan amount and is paid when the loan is closed. Most lenders have a variety of programs. ORIGINATION FEE IS NORMALLY ONE ADDITIONAL POINT, BUT CAN VARY. Maximum amount for conventional loan is $417,000. To Participate in the column, call 888-9333. For information on specific mortgage programs call The Lender.

MORTGAGE PAYMENTS CALCULATOR

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Monthly interest, interest payments for 30-year, fixed rate mortgage. Escrow payments for taxes, insurance not included. Payments are rounded to the nearest dollar.

102 Nunnally Way, Leesburg,GA $569,000 • 6,857 Sq. Ft. • 5 BR, 5 BA

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Beautiful corner lot in Quail Pines subdivision! Breathtaking entry/foyer w/ formal dining room, large kitchen, office, formal living room, den, family room w/ fireplace, bonus room, w/ bar & pool table! Master BR w/ fireplace, 3 closets, & outside veranda overlooking the back yard. Master BA w/ Jacuzzi. 3 car garage w/storage closets.

HEWIS CROSS, 229-733-7000

$50,000 60,000 70,00 80,000 90,00 100,000 110,000 120,000 130,000 140,000 150,000 160,000 170,000 180,000 190,000 200,000

3.75% 232 278 325 371 417 464 510 556 603 649 695 741 788 834 880 927

4.00% 239 287 335 382 430 478 526 573 621 669 717 764 812 860 908 955

4.25% 247 295 345 393 444 492 542 591 641 689 738 788 836 886 936 984

4.50% 255 303 355 403 458 506 558 609 661 709 760 812 860 912 964 1011

4.75% 263 311 365 413 472 520 574 627 681 729 782 836 884 938 992 1044

5.00% 271 319 375 423 486 534 590 645 700 749 804 860 908 964 1020 1067

5.25% 277 327 387 442 497 497 553 608 663 718 774 829 884 939 1050 1105

5.50% 284 332 398 455 512 512 568 625 682 739 795 852 909 966 1079 1136

6C • SUNDAY, MAY 13 2018

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8 ways to start saving now

(MCC) - Saving money is difficult for many people across North America. According to a 2017 GoBankingRates survey, 57 percent of Americans have less than $1,000 in their savings accounts, and 39 percent have no savings at all. A recent Ipsos survey on behalf of the accounting firm MNP found that more than half of Canadians are living within $200 per month of not being able to pay all of their bills or meet their debt obligations.

With such little room for error, even minor unexpected bills can pave the way to financial hardship. Fortunately, many people do not have to make drastic changes to save more. Here are several ways to start saving more now. 1. Plan meals. Decide what you will make in advance and list all the ingredi-

ents, enabling you to shop for the lowest prices.

2. Cut the cord. Cutting ties with traditional cable television providers can save consumers substantial amounts of money. Streaming services like Netflix, Hulu, and Amazon Prime provide a slew of content for a fraction of the cost of mainstream cable. 3. Establish a goal. It’s easier to save when you have an end goal, whether it’s financing a vacation, buying a home or growing your family. Establishing a goal gives men and women something to strive for. 4. Make coffee at home. Make your daily coffee at home rather than paying several dollars per day for that morning cup of Joe.

5. Wait before checking out. Impulse buys can quickly add up. Store that online item in the shopping cart for a day or two to really think about if it is a necessity or just an impulse buy. 6. Shop quality not quantity. Bulk buys may seem advantageous, but not if the items break or wear out prematurely. When shopping, opt for quality merchandise that may cost more initially, but thanks to its durability, will save money in the long run. 7. Don’t worry about your neighbor. Trying to keep up with the Joneses, Smiths or Murphys is a recipe for overspending. Stick to your budget and make improvements or upgrades as you can afford them.

8. Rely on automatic deductions. Set up automatic deductions so a predeter-

mined amount of money is deposited

into a designated savings account each paycheck. Chances are you won’t miss it, and the savings will add up.

DID YOU KNOW?

TONS OF SPACE FOR THE GROWING FAMILY

2310 E DOUBLEGATE DRIVE

5104 BARRINGTON DRIVE

$219,900 DOUBLEGATE, DOUGHERTY 4BR / 2.5BA 2382 SQFT Beautifully landscaped, hardwood flrs, quartz countertops, fireplace, patio & more!

$234,900 HIDDEN LAKES, DOUGHERTY 4BR / 3BA 2,618 SQFT Fireplace, screened porch for entertaining, fence backyard!

BONNY DOROUGH 883-6100

DIANNE BARLOW 886-4777

ATTENTION INVESTORS

READY TO BUILD YOUR DREAM HOME?

MLS# 140778

3718 PLUMCREST AVE

MLS# 138294

1041 SPRING HILL DRIVE

$53,500 RADIAL, DOUGHERTY 3BR / 1.5BA 1,125 SQFT Great rental area close to Miller, P&G & Marine Corp Logistics Base!

$24,500 SPRING HILL, DOUGHERTY 3 ACRE LOT Quiet lot on round about in cul-de-sac! Abundant wildlife! Serene Setting! Sellers are lic GA Realtors.

MLS# 140732

MLS# 139706

BURTON NEWCOMB 886-1179

MIKE FLYNN 376-2361

GARDNER’S DREAM

140 BERKELEY RD

$147,900 NORTH BRENTWOOD, LEE CO 3BR / 2BA 1,576 SQFT Beautiful landscaping, sep well for irrigation, screened porch, deck, wired workshop & more!

HOMES FOR SALE

WILLIAM JACKSON 344-3029 MLS# 140365

NEW ON THE MARKET

JOHNSON ROAD

$35,000 TERRELL COUNTY 9.99 ACRES Country Living! Build your dream home here!

BURTON NEWCOMB 886-1179 MLS# 140733

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1916 Churchill 3BR 1.5BA $62,000

929 19S (Americus) (Mobile home) 3BR 2BA $21,200 SOLD

1808 S Madison 3BR 1.5 BA $23,750 SOLD

1204 Lee St 3BR 1BA $20,000

841 Dorsett 3Br 2BA $50,500

2904 Dove Ave (Vacant LOT) 0.96 AC $10,000

309 Enterprise 2BR 2BA $44,900 PENDING

2731 Yorktown 3BR 1 bath $45,000

217 Sunrise 3BR 1.5BA $50,000

315-317PENDING Highland-Restaurant $600,000

111 Northampton 4BR 2BA Pool, $185,000

118 Myrtle Springs (Americus) (Mobile home)

5601 Ironwood (vacant lot) 3.34 acres, $55,000

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STOP! LOOK!! NEW ON THE MARKET!

According to Investopedia.com, indexing is a passive form of investing that has traditionally outperformed many actively managed mutual funds. Index funds are mutual funds with portfolios constructed to match or track the components of market indexes such as the Standard & Poor’s 500 Index. Investors who prefer index funds do so for a variety of reasons, with many choosing the funds because they provide broad market exposure and low operating expenses. According to Vanguard®, which launched the first index fund for individual investors more than 40 years ago, index funds have low management and transaction costs because the funds hold investments until the index itself changes. Vanguard also notes that index funds are traded less frequently than actively managed funds, which further lowers expense ratios and makes index funds a tax-efficient option for prospective investors.

4BR 2BA $25,900

906 Holloway 3BR 1BA $45,000

Mobile Ave (vacant land) 10 acres $50,000

1207 Hampton Ct 2BR 1.5BA $38,000

508 8th Ave(Cordele) 3BR 2Ba $9,900.

275 Church St(Dawson) 2Br 1.5 bath $14,900.

1104 University 3Br 2BA $29,900.

Ann Thomas GRI

436-6628

FOR RENT: 313 Tremont 3BR 2BA $690 mo. $690 Deposit.

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WHO’S WHO In Mortgage Lending Lay the Foundation for a Financially Secure Future with the Right Mortgage

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Erin K. McDonald Erin K. McDonald Mortgage Banker Morgage Banker NMLS#658957 NMLS#658957 O: 229.878.2065 O: 229.329.4057 229.878.2065 F: F: 229.329.4057 721 North Westover Boulevard 721 North Westover Boulevard Albany, Georgia 31707 Albany, Georgia 31707 erin.mcdonald@renasant.com erin.mcdonald@renasant.com renasantbank.com renasantbank.com

Allloans loanssubject subject All tocredit creditapproval. approval. to

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Leslie Collins 733.0373

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Leslie.Collins@abtgold.com NMLS: 851247

2815 Meredyth Drive, Albany, GA

(229) 446-2265

Debbie K. Sutton Mortgage Loan Officer

Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658

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banK of Camilla

2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net

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137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (800)807-0205 Lcannon@colonybank.com NMLS #740761 www.colonybank.com

Call 888-9340 to place your Mortgage Company Ad Here

ALB_05132018_re_class_Layout 1 05/10/18 7:33 PM Page 7

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REAL ESTATE

3BR 2BA 1207 Tompkins Avenue den, owner can finance asking $45,000 229-395-4695

240 Houses for Rent

248 Apt/Dupl/Condo/ Tâ&#x20AC;&#x2122;homs for Rent

LEE CO 3 & 4BR/2BA, Fireplace, Appl. & garage 229-759-9004

1BR 1BA w/ appliances. 803D Rosedale $325/M. plus deposit. 436-7455 1BR/1BA AND 2BR/1BA, furnished kitchen, private, quiet, remodeled, $750/mo each + dep. 229-395-2624

122 Northbrook Ct., 4/2, Fenced $990 thewrightcompanyonline.com The Wright Co. 229-435-0654

2310-B SHARON (Near Sherwood School), 2BR/1BA, Seniors or First Responders prefâ&#x20AC;&#x2122;d. 1 yr lease, $490/ mo $490 dep. 881-0898 Gardner,, Whiting, & Malone 2BR/1BA $325/$150

FSBO 138 CANNON DR. LEESBURG, GA Professionally renovated home, 1600 sq. ft. 3/2 on a 1/2 acre lot. $154,000. 229-344-4652.

1621 JONES AVE - 3BD/1BA Huge Yard $675/M. & $675/Dep. NO GRAFA. Call (229) 434-0631

DOWNTOWN ALBANY. 1 BR. APPLIANCES. NO PETS. $250/ M + DEPOSIT. FLINT REALTY 888-2290

1219 F Parker 2BR/1BA $395/$250

ST. ANDREWS SUBDV.: 3BR/2BA $795/mo AND 2BR/2BA $695/mo. No Grafa, Call 229-432-7899

2810 B Partridge 3BR/2BA $685/$500

WEST ALBANY. 2 BR / 1.5BA; CH&A, Appliances. $495.00 / mo + dep. No Pets. Flint Realty 888-2290

1, 2 & 3/BR

114-A Acacia 3BR/2BA $695/$400-Lee Co. 132 B N. Doublegate 2BR 1.5BA $595/$400

HOUSE FOR SALE BY OWNER 1012 N WASHINGTON ST SYLVESTER, GA 31791 3BR/ 1BA, Eat in kitchen, ceramic tile, dishwasher, 1 BR can be used as a dining room, Hardwood floors (oak), single carport, concrete drive, sculptor shingles 30 yr roof - 3 yrs old, two storage buildings, CH&A, easy to heat & cool, lots of great features, closet space, laundry room inside, CLEAN and READY TO MOVE IN! CALL 229-777-0429, 229-288-1932 OR 229-206-5071

2712 A Homewood Drive 2/3 BR/1BA $495/$250

229-432-9351

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1900 A W W.. Broad Ave 2BR/1BA $375/$200

2 and 3 Bedroom Townhomes

1309-1015 N W Washington ashington 2BR/1BA $275/$150 546406-1

812 Rosedale 3BR/1BA $550/$400 127 D Winding W Way ay 3BR/2BA $695/$450-Lee Co. 1510 6th Ave 3BR/2BA $775/$775

2614-A Pointe North Blvd 2 BR/1 BA duplex in a very convenient part of town! 954 sqft & PET FRIENDLY! Available May 11th! $500 per month

1993 DOUBLEWIDE MOBILE HOME, 3BR/2BA, Great Room with F/P, $8,750. Call 229-886-3285

1344-C Hwy 19 South, Leesburg GA Commercial Office Space $1350 per month - 1895 sqft

3BR 2BA Used double wide for sell $19,500 cash Must Move yourself! 229-888-9285

817 Flint Ave Warehouse/Office Space - $650 per month 2625 sqft - 75 ft x 35 ft

BEST DEALS on New, Used & Repoâ&#x20AC;&#x2122;d Mobile Homes, Call 229436-7108 or 229-364-5517

2620-B Dawson Rd Commercial Office Space - $2125 per month Located behind Pier One Imports across From the Albany Mall Contact Larry Walden for details 229-343-3710

Farms, Lots & 214 Acreage for Sale

1901 Palmyra Rd, Albany Office Bldg - 2071 sqft 5BR/1BA/2 half baths for $1,800 per month

BEAUTIFUL RIVER POINTE subdivision lot for sale. Beautiful view of the lake. 18 hole gold course, 5 min from Phoebe Putney 706-588-8811 *Private Owner*

Rosebrier Gardens New Homes for Lease

804 Twenty First Ave. 4840 sqft - $1200.00 per month Business office/distribution or Church space ready 121 Northbrook Ct., Lee County 3 bed/2 bath - 1266 sqft - Built in 2007 Garage - No Pets - $1,000 per month 2507 Ridgewood Lane, Albany, GA 31707 4 bed/2.5 bath - 2244 sqft Lake Park subdivision $1,400 per month 4816 Mustang Drive 3 Bedroom 1.5 Bath - 1155 sqft $675 per month 2619 Whispering Pines 3 BR/1 BA - 1349 sq. ft. Pet friendly upon approval! Convenient location $795 per month

Near Marine Base 3BR-$825/month

248 Apt/Dupl/Condo/ Tâ&#x20AC;&#x2122;homs for Rent 1, 2, 3 BR. Furnished, $85/wk. Utilities Included. Unfurnished $225-$375/ mo, appliances. 435-7646

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WILLOWS APPARTMENTS 1401 Whispering Pines Rd Albany y, GA

2 & 3 BR Flats Starting at $495

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1, 2, & 3 BR Apartments 229-436-9096

Meadowlark 2391 Meadowlark Commons Cou rt Suite Suite 101 Commons Court 0 ) DP SP 0 ) DP SP

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2BR/2BA 2BR/2BA Adjacent Adjacent to to the the ASU ASU Darton College Darton C ollege of of Health Professions H ealth P rofessions

6HOOLQJ )URP %DUÂżHOG /DZ )LUP 56 Blakely Street, Cuthbert, Georgia

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2BR/1BA mo. 2B R/1BA $550 $550 m o. 1BR/1BA mo. 1B R/1BA $475 $475 m o. Includes Includes cable, cable, water, water, sewer, sewer, & garbage garbage DUPLEXES DUPLE EXES more &m ore online online at www.MPMAlbany.com www.MPMAlbany.com 638-1597 638-1597

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2401 NOTTINGHAM WAY

Beautiful Planted Pines Creek Frontage Loaded with Wildlife Ideal Weekend Retreat Extensive Interior Road System Great Investment Potential Several Pond Sites Do Not Miss this One of A Kind Property Offered Divided or As A Whole

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BARFIELD AUCTIONS, INC. P.O. BOX 370 SHELLMAN, GA 39886 229-679-2223

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FOR LEASE 1BR/1BA House, Very nice, Quiet, 1 acre lot, Older Tenant Preferred, Homestead Ave in Albany, $535/MO, $535 Dep, NO PETS, NO GRAFA, Call 229-436-2647

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View Property @ ZZZ EDUÂżHOGDXFWLRQV FRP CALL 1-229-679-2223 FOR BROCHURES

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240 Houses for Rent

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229-435-5216

944 South 3BR/1BA $500/$300

117 C-Mitchell Ave. 1 BR/1 BA - Close to ASU $375/month

B&B Rental Agency

2, 3, & 4 BR Clean w/AC, $300/ mo and up, $250 deposit Call 4367108

1303 B Lincoln 2BR/1.5BA $385/$200

1807 Spruce Lane Albany, GA, 31721 3 BR/2 BA - 1230 sq ft - Brick Home $1,000 per month

Mobile Homes & Lots for Sale

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ANNA S. VEILANDS

14 WIDE, Furnished 2BR, Spring Flats Rd., CH&A, $400/mo + dep. Call 776-3962

1208 C Maryland 2BR/1BA $395/$200

2007 Trowbridge Rd. 4 BR/2.5 BA home in Albany! 2528 sqft - Available May 18th! $1350 per month

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Homes & 256 Mobile Lots for Rent

412 Bush 3BR/1BA $650/$650

2010 Gary Avenue 3 BR/2 BA - 2194 sqft -Available June 1st! $1,000 per month

210

2507 Nottingham Way Northwest Albany â&#x20AC;&#x153;Call For More Infoâ&#x20AC;?

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LEE COUNTY Owner financing 3BR 2 BA gargage, fireplace, and appliances 229-759-9004

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NOTTINGHAM APARTMENTS

608 2nd Ave 3BR/1BA $595/$400

202 Houses for Sale

Your Online Connection To All Things Local

APARTMENTS

2806 Reeves 3BR/2BA $925/$500

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202 Houses for Sale

REAL ESTATE

SUNDAY, MAY 13, 2018 â&#x20AC;˘ 7C

2BR 2BA no pets CHA $385 rent $270 DEP 229-349-0271 3 BR 2 BA, Very Quiet area, $575 Month, $575 Deposit, No pets, NO GRAFA, Call 229-436-2647

8C • SUNDAY, MAY 13 2018

albanyherald.com

Exploring condos and townhouses

(MCC) - Individuals have many options when seeking places to call home. Among those options are condominiums and townhouses. While quite similar, condos and townhouses are different. Learning what sets these residences apart can help people find the right fit for them.

Condominiums Condos are private residences owned by an individual or family in a private building. According to Realtor. com, condos are similar to apartments. However instead of paying rent, condo dwellers own the space. Condos share common areas, such as pools, recreation rooms, gyms, and outdoors spaces. People may be attracted to condos because there is very little maintenance involved. Condos can be in large buildings similar to apartment buildings, and living spaces may be confined to one floor. High-rise condominiums may resemble skyscrapers, offers Coldwell Banker, which notes that a condo owner shares ownership of the land, the roof, the staircases, and the exterior

of the condominium complexes. The only thing the condo owner may own outright is his or her individual living space. Condo owners typically rely on maintenance companies and other contractors to handle the repairs and upkeep of the spaces outside of the interior of one’s specific condo. Residents typically pay condominium fees to a condo board to manage and cover these expenses. Because of the multiperson ownership, condos place strict restrictions on what can and can’t be done to the property.

Townhouses Townhouses are usually multileveled attached properties. Townhouses may fall within a row of other homes or be an end unit where only one side is attached. Many people are drawn to townhouses because of their various levels and architectural styles. Some also feel that townhouses provide more of a traditional home feel than condominiums. Townhouses may come with a small parcel of land, a driveway or a private

garage. Although there may be some community amenities accessible to owners of townhouses, such amenities are rare. However, because townhouse communities do not handle as much maintenance — exterior repair and roof maintenance may be the responsibility of the townhouse owner — homeowners association fees tend to be less expensive than those incurred by condo owners. Townhouse owners typically take

ownership of the home, the roof and the land that lies below it. However, both townhouse and condo owners are urged to read the bylaws of their communities, which should specifically list responsibilities of the owner versus the homeowner’s association or condo board. Condos and townhouses have similarities and differences, but both can be ideal places to live for those who desire help with maintenance and worryfree living.

Did you know? City dwellers looking to buy rather than rent an apartment may come across real estate listings categorized as “co-ops.” While co-ops can exist anywhere, Realtor.com notes that they are most common in big cities, comprising as much as 75 percent of the housing inventory in the borough of Manhattan in New York City. Co-op is short for “cooperative,” and people who buy into a co-op are not technically buying property but shares in an entity that owns the property where investors will ultimately live. The bigger the apartment in the building, the more shares the buyer will own. Residents of a co-op typically elect fellow residents to serve on the co-op board. That board is tasked with making a host of important decisions, including choosing who will and will not be allowed to join the cooperative. Co-op boards may require that applicants meet certain financial requirements. Unlike buying a single-family home, duplex, townhouse, or condominium, people interested in buying into a co-op may have put down no less than 20 percent the value of the apartment where they hope to live. Co-op dwellers will also be expected to pay monthly maintenance fees that go toward insurance, taxes and other building expenses.

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Jamie Finlayson 449-2153

LAKE BLACKSHEAR 181 N Valhalla Dr Large Family Home 2.39 Acres On Lake Blackshear, 4 Br, 3.5 Ba, Pool & Poolhouse $342,000 Call Chuck 886-2521

LAKE BLACKSHEAR 633 Flintside Dr Main Lake Home With Excellent Views! Large 1.67 Acre Lot, 3 Bedroom, 2 Bath, 1940 Square Ft, 170 Feet On The Water $309,900 Call Allan 886-2828

LAKE BLACKSHEAR 2143 Lakeshore Ct Large Lot On Main Lake! 1.24 Acres With 105 Feet On The Water, 2 Br, 2 Ba, Hardwood Floors, Double Boathouse $410,000 Call Allan 886-2828

LAKE BLACKSHEAR 124 Spring Creek Worth County 3 Bedroom 2 Bath, Excellent Location, 1500 Square Ft, Dock With Boathouse $279,900 Call Allan 886-2828

LAKE BLACKSHEAR 245 Flintside Cabin / Cottage With 2 Br 1 Ba, Two Gazebos On The Water, Dock, Hardwood Floors, Granite Tops $175,000 Call Allan 886-2828

LAKE BLACKSHEAR Lot 159A Wolf Thick Rd Prime Lot In Crisp County, Over 110 Ft On Water, Great Views Of Main Lake, 0.633 Acres $135,000 Call Allan 886-2828

LAKE BLACKSHEAR 643 Smoke Bridge Circle

LAKE BLACKSHEAR 488 Lakeshore Way 75 Feet On The Water With Excellent Views! Nice Double Bathouse, Seawall, Screen Porch And Lots Of Decking, 3 Br, 2 Ba, 1512 Square Ft $285,000 Call Allan 886-2828

LAKE BLACKSHEAR 209 Flintside Lot In Pecan Slough With 94 Feet Of Seawall Frontage, Boathouse With New Roof, Fenced And Ready To Build $169,900 Call Allan 886-2828

LAKE BLACKSHEAR 597 Flintside Dr

LAKE BLACKSHEAR 159 B TOMMY WARREN Located On Deep Water On Spring Creek - Dock And Boat Ramp, 2 Br 2 Full Baths, Screen Porch $169,900 Call Allan 886-2828

LAKE BLACKSHEAR 142 Valhalla New Upgrades, Dock And Nice Boathouse, 3 Br, 2 Ba, 1500 Square Ft, Large Lot With 100 Feet On The Water $244,500

LEESBURG 111 Northwood

LEESBURG 112 Garrett Lee County on 1 Acre, 3 Br, 2 Ba, Garage, Open Floor Plan, 1470 Square Ft Call Allan 886-2828

Large 2.36 Acre Lot In Worth Co With 140 Feet On Water, 3 Br, 2 Ba, Very Nice Dock / Boathouse

$275,000 Call Allan 886-2828

ALBANY 1807 Forest Glen Brick Home With Hardwood Floors, Kitchen Updated, New Appliances, 3 Bedrooms, 1.5 Baths, 1484 Square Ft $89,900 Call Allan 886-2828

NORTHWEST ALBANY 3433 Plantation Large Home With Upgrades, 3 Bedrooms, 2 Bath, 1745 Square Ft, Brick Home, Garage $124,900 Call Allan 886-2828

Close to Schools, 3 Br, 2 Ba, Fenced Yard Eat in Kitchen, Updated 1550 Square Ft $124,900 Call Allan 886-2828

Main Lake With 154 Ft On Water, 3 Br, 2 Ba, Double Boathouse, Updated With Hardwood Floors, Large 1.1 Acre Lot, Sunroom

$325,000 Call Allan 886-2828

LEESBURG LEESBURG 204 Saxton Place 423 Wiregrass Way Gated Community In Lee County 4 Or 5 Bedrooms With On A Pond!, Lots Of Upgrades, Inground Pool, Hardwood Granite Countertops, Hardwood Floors, Master Br Downstairs, Floors, 3 Bedrooms, 3 Baths, Large Open Family Room Double Garage, 2170 Square Ft 3570 Square Ft $220,000 $330,000 Call Allan 886-2828 Call Allan 886-2828

NORTHWEST ALBANY NORTHWEST ALBANY ALBANY 1720 Marbury 2206 Greenoch 1800 Stuart Lake Park Subdivision, New Roof And New Flooring, Completely Updated, Hardwood Floors, New Roof, Updated Bathrooms, 5 Bedrooms, All New Kitchen, New Cabinets And Heat And 3 Bedrooms, 2.5 Ba, 1912 Air Unit, Very Nice Shop Large Shop, 2483 Square Ft Square Ft, Shop, Fenced Yard 3 Br, 2 Ba, 2427 Square Ft $149,900 $135,000 $169,900 Call Allan 886-2828 Call Allan 886-2828 Call Allan 886-2828

ALBANY 1804 Slappey Albany, Zoned Commercial, 1000 Square Ft, Great Location, Office Spaces $79,000 Call Allan 886-2828

LEESBURG 225 Hawkstead Holly Plantation S/D, 3 Br, 2 Ba, Brick Home, Large Kitchen, Screened Porch 2316 Square Ft $199,500

NORTHWEST ALBANY 3120 Westagate Dr Townhouse New Upgrades! 4 Bedrooms, 3 Baths, Hardwood Floors, Master Bedroom Downstairs, Porch, New Roof $129,000 Call Allan 886-2828