Parkland Homes March 18, 2022

Friday, March 18, 2022

Parkland

HOMES

welcome home Find your dream home inside or online at

dailyjournalonline.com/homes

A Weekly Section From:

Daily Journal Weekly Real Estate PAGE R2 

Friday, March 18, 2022

HOMEWISE Light Up Your Exterior Real Estate Tips and Advice

By JOE SZYNKOWSKI | Green Shoot Media

BENEFITS OF OUTDOOR LIGHTING

Don’t underestimate the power that outdoor lighting has on curb appeal and the security of your home. Proper landscape lights can highlight architectural features on your building that might otherwise go unnoticed.

Give your exterior an update by taking advantage of affordable lighting systems.

You might think the extra electricity used to feed your outdoor lights will impact your utility bill negatively. The truth is that these low-voltage systems require a small amount of power, are relatively safe to work with and are less expensive to install.

There are several different reasons why lighting up the exterior of your home is a good idea. Consider the benefits you’ll gain when you make the investment.

BOOST CURB-APPEAL

HOW LOW-VOLTAGE LIGHTING WORKS

To understand how outdoor lighting systems operate, you should understand the different components working together.

Learn about the important pieces as reported by Popular Mechanics.

Transformer: This is the heart of the low-voltage system. It directly plugs into a GFCI-protected outlet and drops the house current from 120-volt down to just 12. It is rated to the maximum-wattage output, which is determined by the number of lights that will rely on the same transformer.

© ADOBE STOCK

SECURITY

REAL ESTATE 101 The Green Choice

If energy savings is your primary reason for choosing low-voltage lighting, consider these tips from the U.S. Department of Energy.

• Flood lights with motion sensors are a great security option that will save energy by not needing to be on all evening • Consider timers for decorative lighting or outdoor security lights • Use energy efficient LED or fluorescent lights in place of incandescent lights • Look for the ENERGY STAR rating in order to get the most energy-efficient lighting. options available.

A qualified landscaping professional can determine the safest way to install the proper components.

Low-voltage cable: This special cable is designed to be

Using accent fixtures to spotlight landscape features on your property, such as trees, flower beds or ponds, creates a beautiful image that will inspire guests to take notice. Another great way to add beauty to your yard is by creating a well-lit pathway leading to your door. Thanks to the ability to bury a low-voltage cable, you can be creative in how you make your display.

buried underground, making it possible to maintain the lawn around your lights without being obtrusive. They connect to the transformer and to each light fixture. A

low-voltage cable is offered in different thicknesses (or gauges), and the proper cable size depends on the wattage of the transformer being used.

An efficient way to deter thieves from attempting a break-in is to ensure your home is well lit. Motion, or floodlights near points of entry can dissuade someone with bad intentions since their actions may be easily witnessed by a neighbor.

SAFETY

Don’t forget your own safety. Traveling outside in the dark can create tripping issues, having the extra light to see where you’re going can save you from unseen hazards.

Your Real Estate Search

The dailyjournalonline.com/homes advanTages: • Enhanced mobile friendly site • Automatic feed from Maris Matrix

• Fast high performance searches • Large photo galleries

Call

431-1999 to subscribe to the

Find your dream home on dailyjournalonline.com/homes

Property of the Week....

122 Shepherd Mountain, Farmington Stunning 3 bedroom, 2 1/2 bath home with beautiful brick and stone accents on the front. The main level has 1857 square feet of living space with premium vinyl flooring throughout. An open floor plan with vaulted ceiling welcomes you into this lovely home. A gas fireplace for cool evenings will make your guests feel warm and cozy. The kitchen was designed to make cooking a pleasure, and has beautiful honed granite counter tops, custom wood, soft close cabinets & drawers, island, pantry and stainless appliances which include a gas range/oven. The large master bedroom with coffered ceilings, double walk in closets and master bath with custom tiled shower and free standing roman tub is the perfect space to end your day. From the custom front door to the large composite deck this is a place to call home. The home sits on a corner lot and has an unfinished walk out basement to provide additional living space to finish if your family grows.

Needing to sell call Vicky Crocker Realty TODAY!!!

573.747.8099 573.327.8300

CELL

$379,900

e I’ll do th you! for running

OFFICE

22010010

1136B N Desloge Dr. - Desloge

PAGE R3  Friday, March 18, 2022

- Over 79% of adults connect with the Daily Journal through our print and digital platforms* - Over 46% of internet users in our area are using dailyjournalonline.com* - 80% of adults in the market access the internet via tablets & mobile devices*



Your source for news is now your source for real estate marketing

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 fairhousing@lee.net.

Daily Journal Weekly Real Estate

Refine

(573) 207-3969

Friday, March 18, 2022 

PAGE R4

Daily Journal Weekly Real Estate

Daily Journal Weekly Real Estate

Local Lenders.

Local Decisions.



PAGE R5  Friday, March 18, 2022

Home Loans Whether you’re just starting out or building your dream home – we have a financing solution. Not to mention, our experienced lending team is ready to partner with you to help make the process quick and easy.

• Variety of loan programs for qualified buyers • Competitive rates and closing costs • Local decisions made by local lenders • Permanent Fixed-Rate financing

Bank NMLS# 412605 | Member FDIC | www.fscb.com

Contact a member of our lending team today!

Ruth Adams Bonne Terre NMLS #1906657 (573) 358-3388

Melinda Rae Desloge NMLS #1752366 (573) 431-9400

Brittany Jannin Farmington NMLS #2241964 (573) 705-3592

Adam Griffith Farmington NMLS #2241963 (573) 705-3394

Devan Skaggs Bonne Terre NMLS #467084 (573) 534-0236

Andrew Huhman Farmington NMLS #1559335 (573) 705-3322

Taylor Miller Farmington NMLS #1453285 (573) 454-3052

Austin Fridley Park Hills NMLS #1749341 (573) 454-3086

Daily Journal Weekly Real Estate PAGE R6 

Friday, March 18, 2022

HOMEWISE

Real Estate Tips and Advice

What are Closing Costs?

“Closing costs” is a term you’ll hear thrown around a lot during the homebuying process, and if this is your first time buying real estate, you may not exactly what closing costs are and how much they’ll be.

It can be a hard question to answer, since the fees differ based on the size and type of loan, your lender and what type of property you’re buying.

The Consumer Financial Protection Bureau has a breakdown of the basic closing costs and what to expect, and you can ask questions of your lender, real estate agent and title company representative to get harder numbers on how much you may be paying.

The title company will act as the arbiter of sorts throughout the whole process, balancing out who pays what to what other party. They will handle the money changing hands and get it to the right person, as well as filing the paperwork with the county.

WHAT GOES INTO CLOSING COSTS?

Title services fees: Some of these costs pay for the services of people who are actually helping you through the homebuying process. Title service fees, which include the title search fee, the premium for your lender’s title insurance policy (which protects you and

© ADOBE STOCK

REAL ESTATE 101 Closing Day Tips

Closing day can be overwhelming. The Consumer Financial Protection Bureau offers the following tips to help you close like a pro: • Before you sign, make sure you carefully read and understand all the loan documents. Don’t sign the loan documents if the loan is different from what you expected. Don’t sign the documents if you can’t make the payments, if you find any errors, or if you do not understand the loan terms.

• Be sure to understand how your payments may change over time. With an adjustable-rate mortgage, your payments may increase over time, and it is important to understand when the payment can change and by how much. Even with a fixed-rate mortgage, your total monthly payment may change due to changes in your taxes or insurance.

their investment if someone later sues, saying they have a claim against the home), and other costs related to the title company’s work, such as lend-

er’s endorsement, settlement and wire transfer fees.

In addition to title insurance for your lender, the buyer or seller may also choose to get

nation fee, as well as a small percentage of the loan amount for “points.” (Talk to your lender about what this means for you.) They may also charge a fee for locking in your interest amount past a certain period.

Your lender will also collect prepayment of some property taxes and homeowner’s insurance; if you are paying mortgage insurance, you also may pay some amount up front.

Other costs: The cost of the appraiser; any fees charged by the homeowner’s association; a fee for running a credit report on you (and a spouse or partner, if more than one of you are on the loan); tax-related service fee and recording fees all are part of closing costs.

For some of these costs, you or the lender can shop around and look for lower costs. Other costs, such as the appraisal and credit report fees, are set.

WHO PAYS THEM?

Most of the costs are paid by the buyer. You can include the seller paying closing costs as part of the deal; this may mean you’ll pay more for the home, but that cost will then be part of the loan instead of the coming out of your bank account.

You can also negotiate for the title insurance. Typically, that seller to pay a portion of the will be paid by whichever closing costs in exchange for party opts for it.

Lender fees: Financial insti- not making certain repairs tutions will charge a loan origi- around the house.

CELL OFFICE

e I’ll do th you! for running

#vickycrockerrealty

1136B N Desloge Dr. - Desloge

Bonne Terre / $329,900



Reduced

22005989

Experienced agents, personalized service, market expertise and user-friendly online search tools to help you find the perfect property.

T he Smartest Way To Make Your Move

Call or visit us online today to start your search!

Leadwood / $103,900

Reduced

1900’s historic home of Leadwood in desperate need of some TLC to bring it back to its glory days. Property has 4 bedrooms all located on the second floor and 2 bathrooms.

Great project for an investor or someone wanting to remodel a home with great bones and make it their own. This home sits on a corner lot in the center of town in close proximity to the park and school. House also includes a large, detached garage. Take this opportunity to breathe life back into a beautiful home full of character.

21084610

Needing to Buy or Sell?! Call Vicky Crocker Realty TODAY, and Let Us Do the Running For YOU!! www.facebook.com/vickycrockerrealty

PAGE R7  Friday, March 18, 2022

Don’t hesitate to call - the near perfect condition and great location of this home is very rare in today’s market. Enjoy peace and quiet on a park like setting. Step into the entry and you will notice the beautiful hardwood floors entering into the main living space, which includes a wood burning fireplace. Throughout the home you will find many updates. Bathrooms have been updated, kitchen includes quartz countertops and porcelain tile floor, newer furnace, water heater and roof! There is plenty of room with oversized bedrooms, including master en-suite and an oversized garage.

Daily Journal Weekly Real Estate

573.747.8099 573.327.8300

Daily Journal Weekly Real Estate Friday, March 18, 2022



PAGE R8

1114 Springbrook park

$399,000

22011819

Ranch, Brick, full basement, located in Springbrook Park what more do you need? Inviting floor plan offers on open feel from the moment you walk in the door. Vaulted ceilings in the living room as well as a gas fireplace and lots of natural lighting and the dining room to your left when you walk in. There’s a spacious eat-in kitchen with breakfast bar, pantry and the laundry just off the kitchen. The three bedrooms are down a private hall, master has his and hers closets, master bath has double bowl sink with vanity space as well as a tub and separate shower. The lower level has tons of room for you to finish your way!

Kim Hutson 573-760-9789

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