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PAGE A1  Friday, February 2, 2018

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Daily Journal Weekly Real Estate

Friday, February 2, 2018

Daily Journal Weekly Real Estate

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Home of the Week.... 1570 Pine Ridge Trail, Park Hills

Beautiful 3 bedroom home with full walk out basement, 2 car attached garage, and 30 x 60 detached garage with concrete floor & electric. All this sitting on 5.39 acres just outside of town. The home has a spacious main floor with large living room, large kitchen with lots of cabinets, pantry, breakfast bar, stainless appliances and separate dining room. The lower level is just waiting for you to finish to your plans and add additional living space to this great home. The home has a large covered back deck giving you a great place to relax, enjoy the scenery or watch for wildlife. Many upgrades to this home include 3/4” oak wood floors, ceramic tile, 9’ ceilings, covered front porch, tank less water heater, energy efficient windows and more. From ending your day in the lovely master suite to spending time in the large detached garage or hanging out on the back deck or large front porch, this is a place to call home!


573.747.8099 573.327.8300



e I’ll do th you! for running


Friday, February 2, 2018  PAGE A2


In accordance with the federal Fair Housing Act,we do not accept for publication any real estate listing that indicates any preference, limitation, ordiscrimination based on race, color, religion, sex, disability, family status, or national origin. If you believe a published listing states such a preference, limitation, or discrimination, please notify this publication at

1136B N Desloge Dr. - Desloge


s a member of the military, your service grants you access to the VA loan guaranty program, an initiative that can mean major savings in your monthly home payments. The loan is guaranteed by the u.s. department of Veterans Affairs and may be issued by qualified lenders.

The interest rate reduction refinance loan (IRRRl) is designed to provide veterans a lower interest rate. To refinance into an IRRRl, you must already have a VA

PAGE A3  Friday, February 2, 2018

ReFInAncIng Fees And elIgIBIlIty

According to mortgage software company Ellie Mae, VA mortgage rates routinely beat “market” rates by more than a quarter of a percentage point. The company handles more than 3.7 million loan applications annually and has a solid handle on the loan marketplace. Consider these statistics from Ellie Mae: • In January 2017, for the 33rd straight month, VA mortgage rates beat rates for comparable mortgages via the FHA, and via Fannie Mae and Freddie Mac. • VA mortgage rates consistently beat conventional mortgage rates by 25 basis points (0.25 percent) or more on any given day. • By contrast, FHA mortgage rates now beat conventional rates by only 19 basis points (0.19 percent). • VA mortgages never require mortgage insurance, whether you put down 20 percent or nothing at all.

Daily Journal Weekly Real Estate

Is a VA loan Right for you?

mortgage. Here are some costs you can expect to pay, according to the VA:

• the funding fee on an IRRRl is 0.5 percent of the loan amount. • On a VA cash-out refinance, it’s 2.15 percent of the total loan, unless it isn’t your first VA loan. In that case, it’s 3.3 percent.

• If you served in the national guard or Reserves, the fee is 2.4 percent if it’s your first VA cash-out refi. • you don’t have to pay the VA funding fee if you have a service-related disability or if you’re the surviving spouse of a service member who died in the line of duty or from a service-related injury.

cOnsIdeR tHe InstItutIOn

If you decide to look into a VA loan for purchase or refinance, consider finding a mortgage lender that specializes in these types of programs. To qualify for a VA refinance, you must be an active-duty service mem-

ber, an honorably discharged veteran or the spouse of a current service member or veteran. These loans can still be considered a niche product, so research lenders who have experience structuring them. Call local banking institutions and credit unions to find the right fit for you.

Daily Journal Weekly Real Estate Friday, February 2, 2018  PAGE A4



Bonne Terre • $399,900

Unbelievable Investment Opportunity! FOUR big storage unit buildings, plus two rental homes on 5 acres. There’s still room for expansion! One rental home has 2 bedrooms, the other has 3 bedrooms.


Farmington • $179,900

Elegance and comfort throughout this turn of the century home. Beautiful custom kitchen, wood floors, lots of period woodwork and clawfoot tub adds character to one of the updated bathrooms.



Doe Run • $115,000

All electric 3 bedroom, 2 bath home in Farmington. Like new! Built in 2011. Very affordable utilities. Make an appointment soon to see this lovely ranch style home.



Farmington • $169,900

Super Neat and Clean Brick Ranch Style Home.Wood floors and open floor plan featured in this 3 bedroom, 3 bath home with finished basement. Sprinkler system keeps the front lawn looking lush all summer long.


Desloge • $132,900

Newly built 2 bedroom / 2 bath home in Desloge. Big Pantry, vaulted ceilings, big rooms, deck and ready for occupancy. Corner lot.

Farmington • $147,500

Nice 2 bedroom home with walk-out basement on 4 acres with two car attached garage, carport and two sheds for storage. Cozy and comfortable home with over 1600 sq feet of living area. Must see!

Farmington • $139,900

Home Sweet Home! Big Beautiful kitchen in this 3 bedroom brick ranch in established neighborhood. Wood Flooring throughout. Oversized 2 car garage. Corner lot. Covered 12x19 patio. Must see!


Park Hills • $78,900

Multi family rental complex - 2 bedroom home with four 1 bedroom apartments - Excellent investment.


Bismarck • $650,000

Peaceful Retreat! Ranch style home has over 2000 sq ft of living space, fireplace, wrap around covered porch and 6 outbuildings on 82.5 acres.

Doe Run • $395,000

80 Acres m/l with a lake & pavilion overlooking the lake with a mountain view. 1500 sq ft home with a deck overlooking the lake. 4 car detached garage. 4 Acres m/l of vineyards, berries and 2000 sq ft building with attached greenhouse. All set for a winery!




Farmington • $660,000

Gorgeous Farm Land! 170 Acres with lots of pasture, fenced, cross fenced, 6 ponds and a 2 bedroom Cabin. Great building sites. Fabulous cattle farm.


Farmington • $129,900 The Price is RIGHT! Two Bedroom Condo in 55+ Community in very convenient location. 18x12 Screened patio. Pantry plus lots of cabinets & counter space in kitchen.

Mary Hagan, GRI 573-701-1690 E-mail me at:


Park Hills • $99,900

Investor Wanted! Two rentals on one property. Corner lot. Neat and Clean 3 bedroom/2 bath home has 1260 sq ft and rents for $650 month. Guest home has 1 bedroom & 1 bath and rents for $350

View ALL Listings...

Farmington • $424,900

Designer kitchen with stainless appliances and copper farmhouse sink, hand-scraped wood floors, great room with vaulted ceiling and stone fireplace. Full finished basement.

Mary Gilliam GRI, ABR 573-760-6480 E-mail me at:


32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711


f you cringe every time you send an online payment or check to your bank for your mortgage, you’re not alone. We all want to live debt free, right? even if you had access to a large chunk of money that could completely pay off your mortgage, would it be wise to do so?

Should you be sending double or even triple your minimum payment amount every month in an effort to pay down your mortgage? The answer depends on your financial goals and future. Consider the following questions when putting together your mortgage payoff plan:

PAGE A5  Friday, February 2, 2018

WhaT IS Your oTher DebT? With 30-year fixed mortgages still relatively low, a mortgage offers a great solution for you to build credit and invest in your future. Consider the rates for other debt, such as your credit cards. The financial website bankrate reports that the average variable interest rate for credit cards stands at around 16.28 percent. If you have extra money to pay down some debts, your best strategy is probably to focus on knocking down your highest-interest debt. This helps get you out of “bad credit” situations that can affect your credit score. Lenders like to see that you have low balances on credit cards. Paying more than the minimum pay-

ment can help you cut into these debts in a big way. once you have these under control, it makes sense to move on to your

Daily Journal Weekly Real Estate

Paying off a mortgage early

mortgage payments.

years? Speak with your finanIS ThIS Your cial advisor or local accountant for better Forever home? What sense does paying ways to place your extra off your mortgage make if money in low-risk investyou’re just going to be ments. moving in a couple of This will help your

money grow as you continue in your career. If you plan to stay in your home forever, paying it off makes a lot of sense. by paying a extra each month, you can shave thousands of dol-

lars off the amount you’ll pay in interest over the life of your mortgage. This can lead to a more financially secure future in retirement and beyond.


Daily Journal Weekly Real Estate Friday, February 2, 2018 ď Ž PAGE A6

573.747.8099 573.327.8300

e I’ll do th you! for running New lisTiNg

1136B N Desloge Dr. - Desloge

New lisTiNg


New lisTiNg



Bonne Terre/Desloge / $189,900

Park Hills / $32,500

Desloge / $64,900

Spacious home with attached garage, full walk out basement sitting on .95 acres. This lovely home has a large covered front porch, large entry way which leads to a 25x18 living room, kitchen with lots of cabinets, eat at the breakfast bar or adjoining dining area or for more formal get together enjoy the separate dining room.

If you are looking for a great home to owner occupy or possible investment property. This 3 bedroom, two bath home with off street parking is all electric and comes with range & newer refrigerator. The current owner made several upgrades including some sub floors being replaced, all new flooring, upgrades to master bath, and some electrical in the last few months.

Charming 2 bedroom home on large corner lot . From the large covered front porch to the spacious living room you will enjoy time with family and friends in this great home. The home is all electric and has a newer roof and water heater. Looking for a cozy place to call home, call for a showing today!!


large loT

MusT see



Bonne Terre / $329,900

Upon arrival you will be in awe of this beautiful brick/stone home which has been beautifully landscaped.Large stone pillars draw immediate attention to the amazing detail of this home & set the stage for the entrance to your dream home. Fabulous approx 4600 sq ft home sits on 4.68 secluded acres just outside Terre Du Lac & has the convenience of Terre Du Lac access & utilities.

Pilot Knob / $113,900

Well cared for 2 bedroom, 2 bath home on large lot with detached garage and 2 car carport. This home features a covered front porch and large deck with privacy fence. The 2,000 square feet of living space includes a large living room, family room with fireplace and spacious sun room, giving you plenty of options to entertain family, friends or just relax.

17079752 Park Hills / $69,500

Unique 3 bedroom home with large living room and family room. The home has a large kitchen with separate dining room. The Multi levels provides plenty of space for all family members and lots of room to spend time with those near and dear to you. Additional features include a partial basement, storage building, attached garage, carport, large yard and cottage which is currently rented.


BuilDiNg for sale

17072273 Potosi / $249,900


Stunning 2 story home sitting on 3.1 acres with heated above ground pool. The main level has a beautiful entry foyer, large living room with fireplace, spacious kitchen with lots of cabinets, island/breakfast bar, dining area, so much space to prepare & serve meals for family & friends.The kitchen has an adjoining dining area & a separate formal dining room to fit all your needs.

Park Hills / $269,000

Existing business, with all retail inventory, outside digital sign, some office equipment, cutting table, security/camera systems and much more. The current owners have worked hard to establish a large client data base and connections with suppliers that will make your take over much easier. There is a large demand for the products this business offers which makes this a great business to take over.

17069306 Park Hills / $124,900

Prime location to start a business or branch location from an existing business. Currently the building is being used for a retail business but has endless opportunities. Approximately 2250 square foot building with a roof approximately one year old. The building was framed for 2 overhead doors on the front when originally built if that is needed in your business plan.

Let Vicky Crocker Realty do the running for you!


Farmington • $199,900


Leadington • $234,900

Full brick, wrap around porch, open living area and walk-out basement on 2 acre lot.

Edge of town. 3 acre mini farm with beautifully remodeled house and horse barn.

Perryville • $240,000

Price reduced! 100 wooded acres loaded with wildlife.

Daily Journal Weekly Real Estate



French Village • $235,000

Farmington • $249,900

Woods, pasture, huge outbuilding and 2,000 sq ft home on 12 acres in North County schools.



No step entry from garage and front door. Fabulous kitchen and fantastic outdoor living space under covered patio.


Farmington • $179,900

Lake, pool, walking paths, clubhouse... Beautiful Villa with walk-out basement.



Knob Lick • $59,500

Country home in country town. Corner lot within walking distance of local grocery store.


Park Hills • $87,500

Income opportunity! 3 bedroom rental. Would also be a great home. Centrally located.


Bismarck • $104,900

Brick home, walkout basement, covered porch, covered deck, fireplace on corner lot.


Farmington • $64,900

Cute Ranch Style priced to sell FAST. Wood floors and fenced yard in convenient location.

Bonne Terre • $295,000

View ALL Listings...

Farmington • $129,900

Big home with 4 bedrooms, 2.5 baths adn fenced yard. Updated and nicely finished.


31 acre Farm in North County schools. 4 bedroom, 3 bath home with pond and outbuildings.

Mary Hagan, GRI 573-701-1690 E-mail me at:

Fredericktown • $177,900

20 minute commute to Farmington. 2 staircases, fireplace, sunroom, bonus room and located on cul-de-sac.

Farmington • $127,000

Recently renovated 3 bedroom/2 bath home. Located close to elementary and middle schools. Farmhouse style door, glass cabinet doors & laminate flooring.

Ronda Barks 631-1663


32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711

PAGE A7  Friday, February 2, 2018


Daily Journal Weekly Real Estate Friday, February 2, 2018  PAGE A8

A-1 ReAlty 6419 Dunn Rd. • Desloge, MO 63628

573-431-1700 or Toll Free: 1-877-876-SOLD


Park Hills • $41,600 4 BEDS 2 BATH Agent: Sharon Keathley • 330-1423


Park Hills • $19,900 2 BEDS 1 BATH Agent: Doug Gunder • 631-4970


Desloge • $149,950 4 BEDS 3 BATH Agent: Doug Gunder • 631-4970


Mineral Point • $55,000

3 BEDS 2 BATH Agent: Sharon Keathley • 330-1423


French Village • $110,900 2 BEDS 2 BATH Agent: Sharon Keathley • 330-1423


Farmington • $258,000

4 BEDS 3 BATH Agent: Linnae Thomas • 631-8578



Farmington • $179,900 4 BEDS 2 BATH Agent: Doug Gunder • 631-4970


Park Hills • $7,500

Large Corner Lot Agent: Darrell Biri • 701-3948


Bonne Terre • $315,000 4 BEDS 3 BATH Agent: Darrell Biri • 701-3948

For Agent or Listing Information please call 431-1700

f you haven’t been through a home sale or purchase, you might not be prepared for the extra costs you could incur during the process. While realtors and other involved parties will do their best to guide you along the way, there will likely be expenses that you aren’t expecting. Don’t let them get in the way of you closing a deal.

If you’re buying a home, make sure you sit down with your budget to understand exactly how much money you can devote to the transaction. This includes your down payment, title costs and moving expenses. Don’t forget any extra purchases you’ll need to make after moving in. Even if your new home is fully furnished, there are hidden costs that you will want to prepare to cover. If you’re selling a home, be prepared to give and take a bit on your final asking price. Once a buyer hires an inspector to assess the home, there might be items you will be asked to either pay for or fix. This can lead to unforeseen expenses.

PAGE A9  Friday, February 2, 2018

Up-frOnT COsTs The website has put together a helpful chart for home buyers to consider before signing the dotted line on a mortgage. Use it to calculate the minimum you should save for your home purchase and estimate what the upfront costs could be on the high end. Cost category

Low estimate

High estimate

Down payment

3.5% of purchase price

20% of purchase price

Home inspection



Closing costs

2% of purchase price

5% of purchase price

Cash reserves

2 months of payments

6 months of payments

Daily Journal Weekly Real Estate


set aside Cash for ‘Extras’

that can help float any extra costs.

TraCk yOUr spEnDIng The good news is that there are easy ways to quickly stockpile extra cash for your home purchase or sale. The first step is tracking

your spending. Here are a few tips: By taking these figures into con• Assess your expenses. Two sideration, you can help stay on top of your required costs, while also of the largest spending categobuilding an amount on the side ries for a typical household are

housing and transportation costs. Consider moving to a cheaper unit while you save for your down payment. go to a one-car household if you can feasibly do so. This will cut down on your car payments, insurance costs and gas and maintenance expenses. • Reduce your bills. How much are you paying for your

monthly satellite TV and video streaming services? Make some cuts to free up a little cash for your real estate fund. • Pay off debt. A great way to increase your cash flow is to pay off debts that is taking up a big portion of your budget. get those high-interest credit cards under control and watch your savings account grow.

Friday, February 2, 2018 ď Ž PAGE A10

Daily Journal Weekly Real Estate

U r p e d Or e e s n i m o N

Best Serving Up the Second Helping of

of the Parkland

Get ready for the

2nd Annual Daily Journal Best Of Contest!

Nominate your favorite business from

February 12 -March 3

Voting begins March 24th!

Realtor® Broker Associate


Cell: 573-225-0374



GeoffreY McdoweLL

Cell: 314-223-0488

Cell: 573-783-0260

Cell: 314-808-0449

Realtor® Sales Associate

Realtor® Broker Associate

Realtor® Sales Associate




16.94 Wooded acres @ Lost Valley Lake. All wooded with 1200 ‘ of road frontage and corners the common area around the lake. Would make a great week end getaway.

Established, high traffic, commercial location in down town Fredericktown. Over 14,000 sq. ft. under roof with a mix of storefront, office, shop/warehouse space with seven overhead doors. Property includes a separate 672 sq. ft. office building, a tremendous amount of parking and a secure fenced area. Many possibilities here, from its most recent use as an automotive dealership to light manufacturing and anything in between.

#18002716 • Madison 9230 • FREDERICKTOWN


#17017527 • 140 South Main St • FREDERICKTOWN

49.53 ACRES

#16023926 • Off Hwy F • FREDERICKTOWN


$19,900 #17072766 • 1012 Hwy OO • FREDERICKTOWN




49.53 wooded acres joins government land, has electric available and over 1000’of black top frontage on a state hwy. This property is located 5 miles east of Fredericktown, minutes from castor river and many other local attractions. If your looking for a great home site, hunting, and recreational opportunity this might be the one!

1791 sq. ft., 3 bedrooms, 3 baths and many updates. Expansive living room with fireplace, lots of kitchen cabinets, breakfast room, large dining room and a private master suite. Full, walk up basement features a 2nd kitchen, bathroom and tons of built in storage. Outside you will find an expansive deck, carport, workshop and oversized one car garage. Located on a large half acre corner lot with partial fencing, alley access and mature trees.



#13020461 • 9 Arrowhead Drive • FREDERICKTOWN

$21,350 6.10 acre wooded lot at Cherokee Hills. Private setting for that new home only minutes from town. Black River Electric, & mild restrictions for your protection. several lots available.

#17046352 • Madison 537 • FREDERICKTOWN

Call today to see how we can give your property the marketing exposure it deserves!

$449,900 489 +/- acres of rugged & secluded recreational land. Ridges & hollows full of mature timber, wet weather creeks and unique geological features accessed by a mile long deeded easement set the stage for an adventurous getaway. Miles of ATV trails and signs of abundant wildlife show the promise of a true hunting haven with a little work.

PAGE A11  Friday, February 2, 2018


16.94 ACRES

Daily Journal Weekly Real Estate

Gabe Swinford


573.747.8099 573.327.8300


Daily Journal Weekly Real Estate Friday, February 2, 2018  PAGE A12

e I’ll do th you! for g n i n n ru

1136B N Desloge Dr. - Desloge

Vicky Crocker Realty is a top producing non franchised Real Estate office in the Mineral Area, helping clients buy and sell property within St. Francois County and surrounding Counties. We are dedicated to achieving results and providing exceptional service. If you are in the market to buy or sell a home, we’ve helped hundreds of families reach their real estate goals, and we want to help you too! Whether you are buying or selling, contact us today 573-327-8300, we have full time agents eager to help you!

Vicky Crocker 573-747-8099

I’ll Do The Running For You!

Abe Aubuchon



Giving You Peace of Mind!

Amanda Lewis 573-915-2462

Moving You Forward!

Parkland Homes - February 2, 2018