RE Guide February 2014

Owatonna Area

REAL ESTATE GUIDE

February 2014 This photo is for illustration only.

This is not an actual listing.

Owatonna.com

Page 2 Real Estate Guide

February 2014

WINTRUST MORTGAGE

Want to know about us?

A History

Who We Are

It has been my mission to not only guide our clients through their entire home buying process, but to be as up-front and honest as possible so that they understand everything from the beginning to the end and thereafter. I want my clients to feel confident as they make choices about the many options available for their financing strategy.

And know that I do not just disappear after closing. My team and I are there to assist every step of the way. You will hear it classified as your biggest investment, your biggest liability, but in reality it is your home. I want you to feel comfortable with the payment, and program you choose, and understand how it works. As a Mortgage Consultant with Wintrust Mortgage, I have access to numerous lenders with a wide array of programs. This allows us to be creative when the need arises; getting more people into homes. Much of my business is from repeat customers and their referrals. I pride myself on this customer satisfaction that has allowed my business to continue growing on its own so that I have the time to concentrate on giving you the best service possible. On behalf of my team, we look forward to working with you!

Wintrust Mortgage was created to assist in the realization of the American dream of home ownership. Our large volume and the ability to lend in all 50 states makes us one of the largest mortgage bankers in the country. In 2013 alone, we originated over $3 billion in loans. Our large volume means better rates for our borrowers. Wintrust Mortgage is a part of Wintrust Financial Corporation, a diverse financial services company with nearly $18 billion in assets. Wintrust Mortgage is not like other mortgage providers. For us, it’s not just about products and price. It’s about service. Service to our customers and our community Wintrust Mortgage is not like other mortgage providers. For us, it’s not just about products and price. It’s about service. Service to our customers and our community. Whether you’re buying your first home or refinancing, Wintrust Mortgage is your calm, clear and experienced guide through the mortgage process.

Scan this QR Code

for contact info and links.

Mark Meier Mortgage Consultant NMLS# 533156

124 N. Cedar Ave. Owatonna, MN 55060

Office: 507.390.5626

Cell: 507.363.0030 eFax: 855.727.2909 MMeier@WintrustMortgage.com www.WintrustMortgage.com

(Requires Smart phone QR Reader)

Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Wintrust NMLS# 449042 – © 2013 Wintrust Mortgage

AAW 019

February 2014

Real Estate Guide Page 3

INDEX

Owatonna Area

REAL ESTATE GUIDE

WinTrust Mortgage ................................2 The Owatonna Area Real Estate Guide is a monthly ERA Gillespie Real Estate....................7, 8 Profinium Mortgage ...............................4 Wells Fargo .............................................5

publication distributed in the Owatonna People’s Press and at select area locations in Owatonna. It is endorsed by the Owatonna Multiple Listing members.

A special project of The Owatonna People’s Press 135 W. Pearl St., Owatonna, MN

507-451-2840 • Fax 507-444-2382 Publisher RON ENSLEY Advertising Director DEBBIE ENSLEY

email: densley@owatonna.com Media Consultants

Owatonna.com

BETH BARRETT, RACHEL EBBERS,

All advertising contained herein is the responsibility of the advertisers.

DAVID WEEKS

The Owatonna Area Real Estate Guide retains the publication rights to all contents produced or supplied by the Owatonna Area Real Estate Guide. Use of material without written consent of Real Estate Guide is prohibited. All Rights Reserved © 2014

BETTY FROST, DIANE GENGLER,

Advertising Design NIKKIE GILMORE, NAOMI KISSLING, KEELEY KREBSBACH, JENINE KUBISTA,

EQUAL HOUSING

OPPORTUNITY

EQUAL HOUSING OPPORTUNITY

KELLY KUBISTA, PAUL RISTAU

All real estate advertising in this publication is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or any intention to make such preferences, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free phone number for the hearing impaired is 1-800-927-9275.

Page 4 Real Estate Guide

February 2014

See us for an amazing experience with your

HOME LOAN! See Jenny or Matt for details for fast and local service on your home loan. We’ll look out for your best interest!

Owatonna 328 N Cedar 507.444.0101

Jenny

NMLS# 1033034

Mankato 507.389.8900 | Fairmont 507.235.5538 | Truman 507.776.2311

www.profinium.com | NMLS 402979 Member FDIC

Matt

NMLS# 402979

February 2014

Real Estate Guide Page 5

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Whether you are interested in new purchase, refinance, or home equity financin with your mortgage needs.

Whether you are interested in new purchase, refinance, or home equity financing, mortgage needs. Whether you are interested in new purchase, refinance, or home equity financing, Wells Fargo Home Mortgage finding a program that your unique goals.

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visit your local team today.

Call or visit your local team today. visitCall youror local team today.

Jannell Tufte Jannell TufteTufte Jannell TufteJannell

Home Mortgage Consultant Home Mortgage Consultant Home Mortgage Consultant Home Mortgage Consultant Office: 507-455-7516 Office: 507-455-7516 Office: 507-455-7516 Cell: 507-456-5946 Office: 507-455-7516 101 N Cedar Avenue Cell: 507-456-5946 Cell: 507-456-5946 Cell: 507-456-5946 Owatonna, MN 55060 101 North Cedar Avenue 101 North Cedar Avenue 101 North Cedar Avenue janell.d.tufte@wellsfargo.com Owatonna, MN 55060 Owatonna, MN 55060 NMLSR ID 402028 Owatonna, MN 55060

Matthew G LeTourneau Matthew G LeTourneau Matthew G LeTourneau Kelly Ratzloff Matthew G LeTourneau Home Mortgage Consultant Home Mortgage Consultant Home Mortgage Consultant Home Mortgage Consultant Home Mortgage Consultant Office: 507-444-2260 Office: 507-455-6784 Office: 507-444-2260 Office: 507-444-2260 Cell: 507-339-2193 Office: 507-444-2260 1400 South Oak Ave. 101 N Cedar AvenueCell: 507-339-2193 Owatonna, MN 55060 Cell: 507-339-2193 Cell: 507-339-2193 Owatonna, MN 55060 kelly.i.ratzloff@wellsfargo.com 101 N Cedar Avenue 101 N Cedar Avenue 101 N Cedar Avenue matthew.g.letourneau@wellsfargo.com NMLSR ID 1102316 MN 55060 MN 55060 NMLSR ID 404642 Owatonna, MNOwatonna, 55060 Owatonna,

jannell.d.tufte@wellsfargo.com matthew.g.letourneau@wellsfargo.com jannell.d.tufte@wellsfargo.com matthew.g.letourneau@wellsfargo.com matthew.g.letourneau@wellsfargo.com jannell.d.tufte@wellsfargo.com NMLSR ID 402028 NMLSR ID 404642 NMLSR ID 402028 ID 404642 NMLSR ID 402028 NMLSR ID 404642 NMLSR

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THE BENEFITS

OF

PROPER PRICING

When you determine your home’s price, beware of the pitfalls of overpricing. Logically, you would think that the higher the price of your house the more money you will receive for it, but there is a fine line between supply and demand. Potential buyers who see your home’s listing price may bypass even looking at it without considering making a lower offer.

Concurrently, buyers who are looking only in a specific price range that is less than the cost of your house will never have the opportunity to view your home, leaving you with less

marketability. On the flip side, those who could afford to purchase your home will inevitabley be drawn to better values that are offered elsewhere.

The perils of overpricing can be negated by the benefits of proper pricing. Below are just a few of the many benefits that can be reaped with proper pricing: • Higher offers accompany a fair market value.

• Real estate agents will be more likely to show your home enthusiastically if he/she believes it is a good market value. A reasonably-priced home will generate competing offers among potential buyers.

• A well-priced home will attract more qualified buyers, ensuring that its marketability remains.

Page 6 Real Estate Guide

February 2014

If your home isn’t listed with a Realtor,

it might as well be You have a home for sale but no one is seeing it. Maybe because it isn’t listed with a professional Realtor. Realtors make it easy for you to buy or sell your home. They have access to a pool of serious home buying prospects... and a Multiple Listing Service that can offer buyers the affordable home of their choice. They do the legwork, the paperwork, and the hard work to help you sell your home quickly.

Look for the Realtor logo to find the commitment and full services of a real estate professional.

REALTOR

®

February 2014

Real Estate Guide Page 7

122 N. Cedar • Owatonna 507.451.7488 800.658.7056 www.erahome.com email: era@erahome.com EQUAL HOUSING

OPPORTUNITY

save money • save time • simplify your life

NEW

CE!

PRI

$179,000

$469,000

VISUAL TOUR #3035145

SPECTACULAR HOME IN GOLF & LAKE COMMUNITY! • Two story home with 4 bedrooms & 4 baths • 1.66 beautiful acres with lake & golf views • “Rare” granite throughout entire house • Formal & informal dining • 4 season porch, two patios • Family room, wet bar & rec room in lower level • Beautiful master suite with private bath Contact Connie Knutson.

MLS #4044646

VISUAL TOUR #3152014

RANCH ON QUIET CUL-DE-SAC! • 3 bedrooms, 3 baths • Master bath with dual vanities • 2 main floor laundry areas • Huge lower level family room • Lots of storage space • Oversized insulated & heated garage • Nice size mature backyard with deck Contact Nancy Sletten.

MLS #4048288

$112,000

VISUAL TOUR #3147438

IT’S JUST RIGHT! • Three bedrooms, 2 baths • Upper level den/office • Finished basement with family room • Oversized heated two car garage • Great yard with patio, pond & fire pit Contact Connie Knutson.

MLS #4048162

$150,000

VISUAL TOUR #3161145

VISUAL TOUR #3223127

WELL MAINTAINED 4 BEDROOM HOME! • 4 bedrooms, 2 baths • Quiet street near shopping & restaurants • Newer windows & roof • Open floor plan • Finished lower level family room Contact Connie Knutson.

MLS #4048581

$95,000

VISUAL TOUR #3205063

ALL ON ONE FLOOR! • Ranch style home • Three bedrooms all on main floor • Double attached garage • Nice deck • Park-like backyard • All appliances stay Contact Connie Knutson.

MLS #4050172

$79,900

$89,900

VISUAL TOUR #3025076

VISUAL TOUR #3067413

ALL THE WORK IS DONE! • Three bedrooms • New kitchen • New windows, roof & siding • Future expansion in basement level • Patio & one stall garage • OWNER/AGENT Contact Connie Knutson.

MLS #4049783

$119,900

NICE RAMBLER MOVE-IN READY! • Large yard and deck • Appliances included • Single stall garage • Paved driveway, vinyl siding • OWNER/AGENT Contact Connie Knutson.

MLS #4045698

NICE & AFFORDABLE! ENJOY LIFE IN A SMALL TOWN! • Three bedroom, 2 bath, 1-1/2 story in Ellendale • Double detached garage • Newer roof, steel siding • Fenced yard, 3 season porch Contact Connie Knutson.

MLS #4044294

Our Team of Professionals

507.676.2708

Ryan@owatonnamortgageloans.com

Nancy Sletten Broker Associate GRI, SRES

Matt Gillard Realtor GRI

Erin Gillespie Broker Associate GRI, ERS

Connie Knutson Broker Associate CRS, GRI, ERS ABR

Barry Gillespie CRB, CRS, ePRO

Sid Schroeder Realtor GRI, ERS

Stephanie Woodrich Realtor

Melinda David Realtor

Justin Ohnstad Realtor

Ryan Jirele Mortgage

Lud Gillespie 1925-2011

Mark Woodrich Realtor

Page 8 Real Estate Guide

February 2014

Nancy Sletten Cell: 507-363-9368 nancysletten@gmail.com 122 N. Cedar • Owatonna Broker Associate 507.451.7488 • 800.658.7056 Realtor, GRI, SRES www.erahome.com $179,000

VISUAL TOUR #3152014

RANCH ON QUIET CUL-DE-SAC!

• 3 bedrooms, 3 baths • Master bath with dual vanities • 2 main floor laundry areas • Huge lower level family room • Lots of storage space • Oversized insulated & heated garage • Nice sized mature backyard with deck MLS #4048288

$379,000

VISUAL TOUR #3190173

5 ACRES...2007 BUILT RANCH...STYLE & LUXURY!

$125,500

VISUAL TOUR #3198405

BIGGER THAN IT LOOKS!

• 3 bedrooms, 2 full bath ranch • Newer furnace, vinyl siding & windows • Fenced yard • Family room, bedroom & bath in basement • 2 car garage • First time home OR downsize!

MLS #4049617

$150,500

EQUAL HOUSING

OPPORTUNITY

$299,000

VISUAL TOUR #3190757

CONTEMPORARY HOME ON 2.5 ACRES!

• 2.5 acre lot to be created from 9.99 acres • Built in 2004, over 3000 sq ft finished • 4 bedrooms, 2.5 baths • Family room with fireplace & wet bar • Fabulous master suite!

• Just a short drive from Owatonna • Additional land with shed negotiable MLS #4049402

$279,900

$78,500

VISUAL TOUR #3187635

MUST SEE TO APPRECIATE! MOVE-IN CONDITION!

• 3 bedrooms, 1+ car garage • Detached 3 season porch • Nice backyard • Spacious kitchen • Vinyl siding & more!

• Easy access to downtown MLS #4049375

$79,900

VISUAL TOUR #2392065

VISUAL TOUR #3179627

VISUAL TOUR #3168574

4 BEDROOM, 2 BATH HOME!

PRISTINE CONDITION - LOWER LEVEL OPTIONS!

5+ WOODED RURAL ACRES • 2 bedrooms, 1.5 bath with main floor laundry • 2 parcels sold together = 5.77 acres • Lots of future potential • Second parcel across road • Attached two car garage • Outbuildings need attention • Nice setting 4 miles from town MLS #4048777

• Open updated floor plan • Kitchen with custom cabinets, • 5 bedrooms, 3.5 baths stainless appliances • Heated triple 1147 sq ft garage • Lower level with family room, 2 bedrooms • Lovely kitchen, breakfast bar, open & bath floor plan • New carpet in main floor bedroom • Master bedroom suite - 3 main floor • Private fenced backyard with storage shed bedrooms • Walk-out lower level, large, beautiful patio area • 2 car garage, quiet NE location • 2 basement windows being replaced • Huge family room with wet bar MLS #4048116 • Beautiful country views MLS #4049413

$139,900

Save Money… Save Time… Simplify Your Life

$73,499

• Quality built with 3 bedrooms, 2.5 baths • Spacious sunroom with in-floor heat • Attached 3 car garage • Custom built kitchen, 6 panel doors & more!

• Main floor formal living & family room with fireplace, 2nd floor laundry • Master bedroom suite with walk-in closet, whirlpool tub, dual sinks • Pretty landscaping, large patio & decorative curbing MLS #4049138

$169,900

$38,000

SOLD VISUAL TOUR #3147118

RANCH STYLE FOUR BEDROOM HOME! • Established neighborhood • 2 car attached garage • Finished basement family room • Easy access to Hwy I-35 • Near park & schools • Future 2nd bath in basement MLS #4048151

VISUAL TOUR #2749387

DRIVE A LITTLE...SAVE A LOT! • Main floor laundry, bedroom & office • New Pergo floor in kitchen, living & dining room • Huge kitchen with lots of cupboards, counters & breakfast bar • Newer roof, furnace, siding & hot water heater • Two car garage with 220 wiring • Large treed lot!

MLS #4049220

VISUAL TOUR #3221349

2009 BUILT - COMPARE TO NEW! • 4 bedrooms, 2 baths • Kitchen island with breakfast bar • Maple kitchen cabinets • Stainless steel appliances • Finished lower level with walk-out • 2 car insulated & sheeted garage • Newer landscaping & more!

MLS #4050138

1.36 BUILDABLE LOT

BY CANNON LAKE • Now is the time to design & build your dream home • Located near Cannon Lake & Warsaw MLS #4050219