Real Estate Book of Champaign-Urbana-Savoy, IL Volume 31, Issue 1

CREATIVE LIVING TIPS INSIDE

Volume 31, Issue 1

Including: Arcola, Bement, Fisher, Mahomet, Monticello, Paxton, Philo, Rantoul, St. Joseph, Tolono, Tuscola, Villa Grove and Nearby Communities

CHAMPAIGN-URBANA-SAVOY, IL

Get more photos and details from your phone. Text RBHHDVZ to 52187.

TO ADVERTISE, CONTACT: Todd Thorstenson at 217-778-9052 or Todd@volomail.net

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401

Listing Agent: Brad Coats RE/MAX Choice (217) 819-4899 bradcoats@remax.net Rare Mahomet scenic find! 3 land parcels w/ravine & creeks, 1st floor master, fin daylight basement, 4,000 sq ft, 5-car gar, 2.5-acres!

See page 8 for details.

GET ZAPPAR ZAP THE CODE

Realty Associates Each Office Independently Owned and Operated.

Call 217-352-5700

Text Madeline to 52187 for all your real estate needs!

Sprawling one story with beautiful hardwood floors, close to campus with 3 Bedrooms, 2 Baths, and a partially finished basement. Expansive Living Room is great for entertaining. Spacious Dining Room will easily hold lots of guests. Fully equipped “U”-shaped Kitchen has tile floor and backsplash, under cabinet lighting, and a pantry closet nearby. Larger Mudroom has a ceramic tile floor for easy clean-up.

Basement Family room has plenty of space for everything and includes a wall of kitchen cabinets and sink. Unfinished room allows for additional options. Full Bath/ Laundry room just down the hall. Huge privacy fenced yard, garden, and flower beds with lots of perennials, plus a garden shed. MTD bus to campus stops on the corner. Good house with lots to offer!

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2402 BROOKENS CIRCLE, URBANA $284,900 Spacious two story in the Yankee Ridge Grade School area. Formal Living and Dining Rooms and kitchen island. Family room has a corner fireplace, and opens to a 2nd Family Room area. Second story has four Bedrooms, all with new hardwood floors. All new Anderson windows installed recently, and new window treatment added in 2021. This is a house you "must see to appreciate!!"

MLS:11146391 Text RBGXJWJ to 52187

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3905 LIBERTY CIRCLE, CHAMPAIGN $307,000 Ranch with a finished basement is ready for you to move in! Great kitchen with large center island - perfect place for a quick snack. Dining area opens to covered patio.

Relax and enjoy the sunsets. 3 bedrooms on main floor and an additional BDR, bath and family room in basement. Granite throughout.

Energy Star Home w "Smart Construction" 6 " exterior walls, Upgraded Energy Star Appliances Ready for you to call home!

MLS:11149439 Text RBHJMPQ to 52187

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Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 3

GET ZAPPAR ZAP THE CODE

Realty Associates Each Office Independently Owned and Operated.

Call 217-352-5700

Text Madeline to 52187 for all your real estate needs!

Standalone 1 story condo with spacious hot tub room addition, 3 bedrooms, 2 baths, wood-burning fireplace, living room/dining room combo, fenced in back yard, lit and floored attic with pulldown stairs for extra storage, 2 car garage. Condo includes access to the swimming pool, tennis courts, and access to clubhouse.

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2211 VAWTER STREET, URBANA $197,500 Spacious two story, located on a quiet street, not far from Yankee Ridge Elementary School - 4 nicely sized BDRs with good closet space, 2.5 baths, partially finished basement, deeper two car garage, situated on a larger lot. Spacious living room will hold lots of furniture. Formal dining room with beautiful chandelier, will easily seat several people.

MLS:11040911 Text RBGMWTH to 52187

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2002 MAX RUN DRIVE, CHAMPAIGN $395,000 Beautifully kept 1 story, built '19, in "Like New" condition! Foyer opens to formal LVR w/Cathedral ceiling & stone FPL w/ gas logs. KIT has eating bar, granite ctops, tiled backsplash, & upscale SS apps.

Master adjoins a well-planned full BA plus walk-in closet. Nicely finished bsmnt w/ kitchenette area plus room for TV, pool table, etc. 4th bdr w/egress window, plus 3rd full bath. 3-car garage & more!

MLS:10911715 Text RBFZHFR to 52187

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RE/MAXREALTY REALTYASSOCIATES ASSOCIATES RE/MAX

RE/MAX REALTY ASSOCIATES RE/MAX REALTY ASSOCIATES M A XM I T C H E L L ,C R S , G R I M A X M I T C H E L L ,C R S , G R I 475081183 475081183

(800) 537-0217 | | (217) (217)369-0376 369-0376 (800) 537-0217 maxmitchell@remax.net | | www.MoveWithMax.com www.MoveWithMax.com maxmitchell@remax.net 2009 Fox Dr Ste G, Champaign, IL 61820 2009 Fox Dr Ste G, Champaign, IL 61820 (217) 373-4804 (217) 373-4804 ©2021 RE/MAX, LLC. Each Office Independently Owned and ©2021 RE/MAX, LLC. Each Office Independently Owned and Operated.

20_302409 Operated. 20_302409

Judy Fejes

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 5

Sally Fejes

Broker, GRI, ABR

(217) 621-8003 judy@judyfejes.com

T eam

www.jfejes.coldwellhomes.com

Broker

(217) 552-0767

sfejes@coldwellhomes.com Each Office Independently Owned & Operated

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1605 SANDCHERRY COURT, CHAMPAIGN COMING SOON! Custom Ranch, 3 bedrm, formal dining + eat- kitchen, 3 full baths, 3 car gar w/elevator lift, finish basement w/wet bar, family/rec rms fenced yard w/pergola Electric Chair to basemt, Text RBHJRXR to 52187

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1502 JACOBS, CHAMPAIGN $575,000 Like New-3yr old. 6 bedrooms, 5.5 baths. Master Suite + 1st floor bedrm suite. Fin basement w/family/rec rm, theatre rm, 2nd kitchen, & 6th bedroom.

Text RBHJRXQ to 52187

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4411 TROSTSHIRE CIRCLE, CHAMPAIGN $1,175,000 Stunning custom built in desired Trails at Brittany. 5 BDRs + office. Spacious eat in kitchen. Amazing 2 story foyer. Beautiful 1st flr master w/2 way FP & 2nd master in day light basement! 2 tiered deck.

Text RBHGVJG to 52187

SOLD

3203 CYPRESS CREEK RD., CHAMPAIGN $369,900 If you want large rooms & large private fenced backyard-this is your home! 4 bedrooms, 3 full baths. 2-bedroom suites walkin closets. Over 4000 sq feet.

Large bonus room.

Text RBHFCGS to 52187

Welcome home.

Owning a home is a big deal, but getting your loan shouldn’t be.

We offer competitive rates and an easy-to-complete loan process that gets you the money you need.

Give me a call or quick email to get started.

Mike Sturdyvin Senior Mortgage Loan Originator msturdyvin@first-online.com 217.351.6620 NMLS # 657960

800.511.0045 first-online.bank

First Financial Bank

Member FDIC Equal Housing Lender NMLS# 401915

Serving Campus and Community Serving Campus and Community

Ask about our Rate Guarantee Program Matthew Waldrop AVP of Mortgage Matthew Waldrop Matthew Waldrop NMLS# 1066383 VP AVP of Mortgage of Mortgage NMLS# 1066383 NMLS# 1066383 217-278-7761 matthew.waldrop@ 217-722-0482 217-278-7761 uoficreditunion.org matthew.waldrop@ matthew.waldrop@ uoficreditunion.org uoficreditunion.org

Jenna Howe Mortgage Loan Officer Phil Dykstra Jenna Howe NMLS# 914296 Officer Mortgage Loan Officer NMLS# 914296 1466105 NMLS# 217-278-6870 jenna.howe@ 217-202-9236 217-278-6870 uoficreditunion.org phil.dykstra@ jenna.howe@ uoficreditunion.org uoficreditunion.org

Phil Dykstra Mortgage Loan Officer Garvin Gerdes Phil Dykstra NMLS# 1466105 Mortgage Officer Mortgage LoanLoan Officer NMLS# 2107094 NMLS# 1466105 217-239-3483 phil.dykstra@ 217-480-6794 217-239-3483 uoficreditunion.org garvin.gerdes@ phil.dykstra@ uoficreditunion.org uoficreditunion.org

Whether you’re buying for the first time, moving up, or downsizing, we can help!

Whether you’re buying for the first time, moving up, or downsizing, we can help!

uoficreditunion.org/loans/mortgages/ www.uoficreditunion.org uoficreditunion.org/loans/mortgages/

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 7

Max McComb REALTOR®, GRI, CDPE RE/MAX Realty Associates

217-373-4878 maxmccomb@remax.net Each Office Independently Owned & Operated

maxmccomb.com

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INCREDIBLE OPPORTUNITY to own secluded acreage in Oakwood school district backing up to Kennekuk County Park! 6.72 acres include large tracts of wooded and prairie areas rich with wildlife, a creek, and small pond. Huge living area that includes a sliding door to the back porch. 4 Bedrooms, 1.5 baths. Breakfast nook and another massive bonus living space. Master BDR includes a half bath, 2 smaller closets plus a large additional walk in closet. $215,000 Max (217)493-5450 or Text RBGYPYM to 52187

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TWO .9 ACRE LOTS offers all the amenities of town combined with the space and feeling of being in the country. All utilities, with the exception of a septic tank, are already on site. Situated at the northern tip of Pesotum in desirable Unit 7 schools, this future home site is also conveniently located near Route 45 and has easy access to I-57. Unobstructed views on both the front and back sides of the property so you can watch the fields as they're planted and harvested, and take in the sunrise and sunset. They can each be purchased for $40,000 each or you can purchase both further expand your open space. Covenants and plat are available. $40,000 Max (217)493-5450 or Text RBHGVND to 52187

On The COver ONE-OF-A-KIND MAHOMET ACREAGE PROPERTY...

Just listed & now ready for early private showings. A very special agent-owned property in Mahomet tied to sought-after Woodfield-West. This sale includes a total of 3 connected land parcels w/approx 2 ½ beautiful wooded acres w/2 creeks off the ravine that leads to the nearby Sangamon River. This ultra-rare find offers Mother Nature’s best scenery & wildlife as you walk off your backyard into the deep woods.

High-quality home now fully remodeled & updated with the floorplan opened up. Also added is a newly finished basement w/large daylight new Pella windows overlooking the scenic private backyard & beautiful forest. 1st-floor master suite wing. Over 4,000 finished sq ft. New architecturally matching extra 3-car garage w/ huge walk-up attic huge storage room along a w/attached lg 2-car garage. Neighborhood private pool & tennis amenities. There is not another property like this in town. Enjoy the peaceful serenity of your own private acreage grounds with beauty in every season change. $750,000 Text RBHHDVZ to 52187

Brad Coats - Broker

Choice, Champaign

(217) 819-4899

Email: bradcoats@remax.net

STAND OUT & GET RESULTS with Multimedia Marketing Packages for Real Estate Professionals

RealEstateBook.com

Want to see your home advertised in this magazine or featured online @ RealEstateBook.com?

Todd Thorstenson

Contact any of the top real estate professionals

LOCAL PRINT • DIRECT MAIL • WEB • SOCIAL • MOBILE

Phone: 217-778-9052 Email: Todd@volomail.net

13 issues per year distributed to over 700 points NEXT ISSUE SUBMISSION DEADLINE IS:

Tuesday, January 4, 2022

advertised in this issue

Request a FREE MAGAZINE from any market across North America at RealEstateBook.com.

FacebookRealEstateBook.com Twitter.com/RealEstateBook Blog.RealEstateBook.com

“All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise any perference, limitations, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preferences, limitation, or discrimination. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hearby informed that all dwellings advertised are available on an equal opportunity basis.”

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 9

Start the New Year in your new home!

New Year. New Beginnings.

New Home.

Diane Sullivan

VP, Mortgage Lender NMLS# 421698 1251 Woodfield Drive Savoy, IL dsullivan@firstmid.com

Visit us online and click on

to start the process!

Look for First Mid in these communities: Champaign | Urbana | Savoy Mahomet | Monticello Rantoul | Tuscola

NMLS #411170

firstmid.com

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 11

MEET OUR MORTGAGE LENDING TEAM Longview Bank has been deeply rooted in your community for several years.

Longview Bank offers a multitude of products and services to meet all your financial needs.

NEWMAN

ST. JOSEPH

ST. JOSEPH

VILLA GROVE

Michelle Barkley

George Nichols

Brad Krall

Dan Wright

NMLS #595910

NMLS # 712287

NMLS #663099

217-837-2404

217-469-8866

217-469-8866

NMLS # 2225109

217-832-8179

#1 Home Mortgage Services

“We Belong Together!”

Longview Bank Newman 2481 E. US Highway 36 • Newman Phone: 217-837-2404

Longview Bank St. Joseph 220 E. Grand • St. Joseph Phone: 217-469-8866

Longview Bank Villa Grove 6 E. Harrison • Villa Grove Phone: 217-832-8179

www.longviewbank.com

Start Your Home Search with an INB Home Loan.

Apply online or call 217-460-1588.

Denise Lindsay NMLS #327076

Weatherproof T Your Door for Winter

he Department of Energy tells us warm air leaking into your home during the summer and out of your home in the winter can waste a substantial portion of your energy dollars. You can save at least 10% on your energy bill by reducing those air leaks at the doors to your house, and it’s one of the easiest and least expensive projects you can do.

It’s a two-part job working on the door.

First, install weatherstripping around the perimeter of the door and then add a door sweep to the bottom of the door; both steps are effective ways to stop drafts and seal gaps that leak air.

We like bronze door weatherstripping, but you’ll also find the material that is wrapped foam with a metal or wood flange, which is easier to install than the bronze material. A door sweep seals gaps between the bottom of the door and the threshold keeping out air and insects. Choose one made of the door material and install with screws.

A carpenter or handyman will charge $145 to remove and replace a door’s weatherstripping and install a door sweep, but you can buy the materials for $70, do it yourself and save 52%. For tools you’ll need a tape measure, hacksaw, hammer, drill and screwdriver. No matter who does the job, you’re the winner with lower energy bills for years to come.

©2021 Gene and Katie Hamilton.

Distributed by Tribune Content Agency, LLC.

What to Do If Your Mortgage Application Was Rejected

B

eing turned down for a mortgage can be devastating, but you may still be able to achieve your dream of owning a home. Your lender should provide you with a letter explaining why you were denied. You can use that information to make changes to improve your chance of getting approved for a mortgage in the future, either with the same lender or with a different company.

Boost Your Credit Score One of the most important factors in a lender’s decision is a mortgage applicant’s credit score. You should’ve checked your credit report for errors before you submitted your loan application, but if you didn’t, check it now. Lenders frequently misreport or fail to report information, and data from different people’s reports sometimes gets mixed up. Errors in your credit report may have caused your application to be rejected through no fault of your own.

If your credit score is low because of high credit card balances or missed or late payments, work on bringing it up by paying down your balances to lower the percentage of available credit you’re using and by paying all your bills on time. If you have a foreclosure or bankruptcy on your credit report, those derogatory remarks could affect your credit score and your chance of obtaining a mortgage for years.

You may need to let some time pass and work on rebuilding your credit before buying a house.

Lower Your DTI A lender looks closely at an applicant’s debt-to-income (DTI) ratio, or the percentage of gross monthly income that’s used to pay credit card bills and loans. If a lender rejected your application because your DTI is too high, you can lower it by paying down your debts and/or by increasing your income. If you have high loan payments, you might be able to lower them by refinancing.

Put More Money Down If you want to make a small down payment and borrow most of the money for your dream home, the lender may consider your application too risky. You might be better off finding more money for a down payment or applying for a mortgage through a lender that routinely offers loans to borrowers with small down payments.

Stick With Your Job Most lenders want a mortgage applicant to have been in the same job for at least two years. That helps the lender be confident that an applicant is capable of holding down a job and is likely to repay the mortgage. If you recently started a new position, focus on impressing your boss and building a stable work history.

Reprinted with permission from RISMedia. ©2021. All rights reserved.

Page 14 - Get More Details At www.realestatebook.com - Vol. 31, No. 1

Open Year Round

Take a pint, quart, cake or pie to your next holiday party!

Located in Old Farm Shops • 1731 W. Kirby, Champaign facebook.com/tcbychampaign • www.tcbycu.com tcbychampaign@gmail.com • 217-607-5090

OR VISIT HQ TO Bill Craig

Managing Broker, ABR, GRI

217-373-4964

Darlia Orton

giaOrton rOrton CRealtor lliB Darlia Darlia 217-373-4898 IRG ,RBA ,rekorB gniganaM

Realtor Realtor Realtor DarliaOrton@gmail.com

4694-373-712 217-373-4898

217-373-4898

ten.xamer@giarClliB DarliaOrton@gmail.com DarliaOrton@gmail.com

Bill Craig rs Bill Craig 217-373-4964 Bill Craig 4 OR VISIT 217-373-4964 AY OR 0 HQ TO BillCraig@remax.net

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Managing Broker, ABR, GRI Managing Managing Broker, Broker, ABR, ABR, GRI GRI

BillCraig@remax.net 217-373-4964

Managing Broker, ABR, GRI BillCraig@remax.net BillCraig@remax.net BillCraig@remax.net

CALL ME TODAY OR VISIT PNC.COM/HOMEHQ TO LEARN MORE.

Michael Hogue Realtor, ABR, GRI

Michael Hogue H Michael 217-373-4838

Realtor, Realtor, ABR, ABR,Realtor, GRI GRI MHogue@champaign-homes ABR, GR

217-373-4838

Denise Zindars NMLS# 580824 CALL ME TODAY OR VISIT CALL ME TODAY OR 217-363-4160 PNC.COM/HOMEHQ TO VISIT

217-373-483

MHogue@champaign-homes.com MHogue@champaign-homes.com

LEARN MORE. PNC.COM/HOMEHQ TO LEARN MORE.

Denise Zindars Denise Zindars Elana Hassell NMLS# 580824 NMLS# 580824 217-363-4190 217-363-4160 NMLS# 1622953 217-363-4160 Elana Hassell 217-363-4190 NMLS# Jean 1622953 Crowley 217-363-4190 Elana Hassell NMLS# 1690887 217-363-4170 NMLS# 1622953 Kristina Huisinga 217-363-4190 NMLS# 867099 Elana Hassell 217-363-4103 NMLS# 1622953 217-363-4190

MHogue@champ

Page 16 - Get More Details At www.realestatebook.com - Vol. 31, No. 1

Call today 217-355-1000 8 Main Street Champaign, IL We Build Our Reputation on

GET ZAPPAR ZAP THE CODE

debbyauble@gmail.com • Visit online at champaign-urbanaauble.REALTOR Prime Downtown Champaign Development Property

Ring in the New Year with this Prime Development property in downtown Champaign! The Seed House consists of 2 parcels that are adjoining at 502 N. Hickory and 36 E. Washington, Champaign, located in a TIF District. The combined lot footprint is 60' x 133'. Zoned for mix use commercial and residential. It would make for an amazing space for any use. This is the last vintage, stand alone property - not adjoining any other structures - in Downtown Champaign. Total of 8840 sq. ft. Currently 2nd floor is owner-occupied loft. $899,900 Text RBCYQBL to 52187

308 N. Edwin, Champaign $159,900

You Won't Need Elves or a Workshop. So much to offer a new home owner. Inviting front porch with swing. 3 bedroom, 2 bath bungalow. Natural woodwork. Updated kitchen and mechanicals. Add your finishing touches to make this your perfect new home. Close to several parks.Text RBGDQNY to 52187

2110 Tamarack Ct., Champaign $184,900

SOLD Oh The Weather Outside is Frightful. The fireplace inside is delightful. Come spring, the patio and yard will beckon you outside. Flexible living space with 4 bedrooms and 2 full baths. Major component upgrades including siding, windows, roof, HVAC systems - see attached inspection report- combine with quality aesthetic upgrades making this offering a number 1 choice for any buyer and a rarity in today's market. Oversized 2 car garage adds storage without giving up space for vehicles, tools, and recreation equipment. Pre-inspected for peace of mind.Text RBHGCTL to 52187

2717 Madelynn, Champaign $229,900

SOLD Give Yourself a Gift! Ranch condo offers soaring cathedral ceilings & great windows flood interior spaces with natural light and offer great views day and night. Chef's delight kitchen w/ Corian countertops. 2 bedrooms, office, and sun room. Split bedroom design Fireplace. Added additional matching cabinetry in laundry & baths for extra storage.

Attic access with flooring, lights, electrical, and shelving. 8X12ft finished are in garage for workshop or hobbies. Clubhouse, pool & fitness center.Text RBHBXRL to 52187

506 S. Draper, Champaign $184,900

SOLD Watch the Snow gently Falling form the picture window of this solid, brick ranch with full basement. Wonderful wood floors, natural woodwork, lots of built-ins. 3 bedrooms, eat-in kitchen plus room for formal dining if desired. Family room in basement. Fenced yard. 1 car garage.Text RBGMSWN to 52187

WE ARE LOOKING FOR MOTIVATED, Melinda Helfer Designated Managing Broker

217-841-5373

PROFESSIONAL REAL ESTATE

Choice

Dan Gordon 217-493-5956

2919 Crossing Ct • Champaign

AGENTS WITH INTEGRITY. If you are looking for a career change, please call

Ernyse Blanson 217-766-8733

Bobbi Gordon 217-493-5959

Melinda Helfer at 217-359-3131.

PAXTON $68,900 IDEAL -INVESTOR 3 UNIT RENTAL PROPERTY. TENANTS PAY OWN UTILITIES. OWNER PAYS GARBAGE. EACH UNIT HAS HOT WATER BOILER, WATER HEATER, WASHER/DRYER HOOKUP, AND OUTSIDE STORAGE UNIT. 1.5 CAR GARAGE RENTED ALSO. Contact Rex Roy at 217-781-5337. Text RBGHSGL to 52187

(217)

359-3131

Outstanding Agents Outstanding Results®

PAXTON $95,000 1800 SQ FT 1 STORY BRICK VENEERED OFFICE BUILDING VERY ADAPTABLE TO A SINGLE FAMILY HOME IN A RESIDENTIAL NEIGHBORHOOD. FLOOR PLAN CURRENTLY BOASTS KITCHEN WITH QUALITY CABINETRY AND 2 HALF BATHS EASLIY COVERTABLE TO A FULL BATHROOM. SIX ADDITIONAL ROOMS ALOOW FLEXIBILITY FOR FAMILY, FLEX, AND BEDROOMS. NEWER ARCHITECHURAL ROOF SHINGLES AND UPDATED MECHANICALS. Contact Rex Roy at 217-781-5337. Text RBGDZYW to 52187

MELVIN $22,900 SPACIOUS 5 BDRS HOME PRIME FOR A RENOVATION. FIXER UPPERS AND INVESTORS ARE WELCOME. THIS HOME SITS ON A 100 FT WIDE LOT AND INCLUDES A 2 CAR ATTACHED GARAGE. PROPERTY IS BEING SOLD " AS IS ". Contact Rex Roy at 217-781-5337. Text RBHJTZS to 52187

Georgine Hembrough 217-377-4130

Jill Hess 217-417-8177

Brandon Moore 217-841-7048 Susan Frobish 217-202-4688

Rex Roy 217-781-5337

CHAMPAIGN $129,900 This 2 bedroom, 2 full bath with a 1 car attached garage is move-in-ready. Located literally across the street from Parkland College. Cozy condo with large open living space, cathedral ceilings, smart tech lighting, and private patio with lake views. Located less than a mile from shopping. Lake Views with walking paths. Contact Tim Hoss at 217-369-1670. Text RBHGSMM to 52187

CHAMPAIGN $88,900 Comfortable Unit in the Pembroke Building downtown Champaign - near campustown. This unit has open airy space with lots of natural light pouring through the double French Doors in Living Room. Exit French Doors to your own exterior patio. New professional paintjob by ShawLuxe Premier Renovations. Refinished hardwood floors. Kitchen has new vinyl plank flooring, brand new upper cabinets, brand new gas stove & refrigerator. This is one of the few units that includes a garage. Garage is in a good location of the property. Basement has free laundry & private 10 x 9 storage unit. This property includes 28 shares in the Pembroke Building Corporation. Monthly fee is $280 and covers, water, sewer, heat, trash, and common building maintenance and insurance. Contact Tim Jr. at 217-351-7653. Text RBHGTPQ to 52187

CHAMPAIGN $114,900 Well built home with back yard oasis. Garage Lovers Delight.

Extra large heated and insulated garage built 2017. New electrical in house and garage.

100 amp in House and 200amp in Garage.

Large lot with fenced yard and paved patio.

Updated kitchen. New Roof. New vinyl plank flooring on the first floor. Move-in Ready. 1 year Home Warranty Provided by Seller.

Contact Tim Jr. at 217-351-7653. Text RBHGTPR to 52187

Spencer Adams 217-819-7311 Laura Hatch 217-722-7026

Tim Hoss 217-369-1670

CHAMPAIGN $310,000 Retail business with 2 apartments above...Parking in back via alley Contact Susan Frobish at 217-202-4688. Text RBFLWVF to 52187

Lydie Maole 217-904-4070

We are always open!

Find your new home, with all the trimmings.

Check out open houses in your area on TREB.com

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 19

YOU LIVE HERE. WE LEND HERE.

Mitch Wilson

Anne Potter

217.872.7562 217.859.6123

217.872.7582 217.649.8248

mitch.wilson @hickorypointbank.com

anne.potter @hickorypointbank.com

Loan Originator Identifier: 1718980 Loan Origination Company Identifier: 433956

Loan Originator Identifier: 2041257 Loan Origination Company Identifier: 433956

Investing in the Champaign area one home at a time.

202 W. Park Avenue Champaign, IL 61820

HICKORYPOINTBANK.COM

TIPS FOR PROTECTING YOUR YARD THIS

Winter

A

s many extend the amount of time they’re spending at home, they’re extending the use of their outdoor living space as well, despite a drop in temperatures.

Getting outside, and breathing in fresh air, even when it’s chilly, is good for our mental and physical well-being. That’s why features like fire pits, outdoor heaters and enhanced lighting are on the rise as homeowners look to add warmth and ambience in winter.

In addition to crafting a cold-weather friendly outdoor space, it’s important to tend to your yard this winter as well. The Outdoor Power Equipment Institute offers these tips to keep your yard in top shape for winter use: Stop trimming your lawn once it freezes. Cutting your grass too short can leave it dry and exposes it to the elements, as well as insects and disease. Trim your grass to the height recommended for your lawn variety before it freezes.

Add a thin layer of mulch to your lawn. A thin layer of mulch can protect your grass roots from snow and frost. It can even prevent deeper layers of soil from freezing, making it easier for your lawn to bounce back in the spring.

Check your trees for dead or damaged limbs. Removing dead or damaged limbs before inclement weather arrives, is one way to protect your shrubs and yard from damage (not to mention people and pets!). Snow and ice can weigh heavily on dead branches and make them snap and fall. Remove any dead branches carefully with clippers, a chainsaw or pole pruner, following safety precautions. Consult an arborist for problematic trees.

Mark pathways to clear and beds to avoid. Mark the areas that you will need to clear of snow and ice, as well as areas you want to avoid, like flower beds, with stakes or sticks. This way, when it’s time to run your snow thrower, you won’t accidentally cut a path through the lawn. Always follow manufacturer’s safety procedures and never put your hand inside the snow thrower. Always use a clean out tool or stick to clear a clog.

Keep new (and old) plantings well-hydrated. Many people enhance their yard with trees and shrubs during the pandemic.

Caring for them in the winter is important, as plants and trees that are well-hydrated are more likely to survive a hard freeze.

Newly planted trees can only survive about two weeks in the winter without water, so be sure to water any new trees you’ve added to your landscape if they aren’t getting water naturally from rain or snow. If your outside hose is already shut off for the winter, then use a bucket and add five gallons to the area around the tree.

Continue watering plants and trees. Older plants and trees should enter winter well-hydrated, so continue watering even after the leaves have dropped. Even in the wintertime, hardy evergreen plants continue to lose moisture through their needles and if it’s a dry winter they need supplemental water too.

Reprinted with permission from RISMedia. ©2021. All rights reserved.

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Please Say You Saw It In The Real Estate Book - Vol. 31, No. 1 - Page 23 VOLUME

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e Real Estat Dallas IL 61822 Ryan paign, 00 | Cham 51-49 217-3 Fieldstone Rd. 4112C

BROKER

217-841-0068

Get Property Details!

Text Property Code to 52187 ou A Wishing Y

stmas

Merry Chri

email: kayecb99@yahoo.com X XR HH B :R XT TE

G DX HH B :R XT TE

Large 3028 sq. ft. home on extra large corner lot...features 3 lots. Large gar.

Fenced side yard. Beautiful Open staircase. Formal living rm; huge family room w/FP. Dining room w/new lighting and built in china cabinet. 4 BDRs, 2 Full BAs. Appliances stay. Floors redone on main level. Enjoy the home of yesteryear. Welcome home to Paxton. $189,900 Text RBHHDXG to 52187

Enjoying on the edge of town in Paxton - not far from the country area. On a nice corner lot with a shed on West side. Large living room area. The kitchen has totally been redone. Island, appliances in kitchen to remain. Laundry area in closet area. $84,900 Text RBHHXRX to 52187

GET ZAPPAR ZAP THE CODE

Each Office is Independently Owned & Operated

Y XR HH B :R XT TE

This home has great potential Large eat-in kitchen including all appliances.

Living rm large enough that one end could be used for dining. Patio doors looking back yard. Great home for investor looking for rental property or starter home for 1st time buyer Short distance to schools and near- by restaurants. Roof is less than 10 years old. $82,900 Text RBHHXRY to 52187

HOMEMA DE MEMORIES

with Prospect Bank Home Loans

Contact Ellen Reinhart (217) 352.0077 Apply Online BANKPROSPECT.COM NMLS 671824

SHOULD YOU PAY OFF YOUR MORTGAGE

BEFORE YOU RETIRE?

Your mortgage is probably your largest monthly expense. When you retire, you will have to get by on a fixed income. Eliminating your home loan payments before you stop working can make it easier to make ends meet after you retire. Before you decide to put extra money toward your mortgage, however, take a careful look at your entire financial picture to figure out if that’s the best option.

REASONS TO PAY OFF YOUR MORTGAGE EARLY

The average homeowner spends tens of thousands of dollars in interest over the life of a mortgage. Paying off the loan early can dramatically reduce the total amount you will spend on interest.

Many people find it difficult to adjust to living on a fixed income after they retire and realize that they underestimated their costs or didn’t save enough. Not having to worry about monthly home loan payments when you’re no longer working can give you peace of mind.

WHEN TO FOCUS ON RETIREMENT FIRST

If you started saving for retirement late, or haven’t saved as much as you would like, you may be better off putting more money in your retirement account than paying off your mortgage faster. A retirement account will benefit from compound interest. While it’s true that paying off your mortgage early can save you thousands of dollars in interest, the amount you can gain by investing in a retirement account may be greater.

Compare the average rate of return on your retirement investments to the interest rate on your mortgage. If the percentage you can earn by investing in an IRA or a 401(k) is larger than the percentage you can save on mortgage interest, focusing on retirement first may pay off more in the long run.

If your mortgage has a prepayment penalty, paying it off early can cost you money. The amount of a penalty may significantly reduce any benefit you could get by making extra loan payments.

If you don’t spend enough on mortgage interest to itemize your tax deductions, you may be better off putting money into your retirement account. Some types of retirement accounts will allow you to defer paying taxes on money you contribute, which can help you financially right now.

WHAT SHOULD YOU DO?

There is not one answer that applies to everyone in every situation. Carefully consider your mortgage balance and interest rate, how much you already have saved for retirement, your return on investment and when you plan to stop working. A financial advisor can help you choose the best option for your circumstances.

Reprinted with permission from RISMedia. ©2021. All rights reserved.

Reprinted with permission from RISMedia. ©2021. All rights reserved.

To our valued readers, clients, friends, family and associates:

We wish you a Holiday Season filled with health, happiness, good cheer and the warmth of those you find dear.

HOME & LIFESTYLE GUIDE

Shop with confidence using the PrimeLending Float Down Option.

You deserve one less thing to worry about when buying a home. With PrimeLending’s Float Down Option*, you can lock a rate with confidence, knowing if rates fall, your rate will be adjusted. We want to help you find the perfect house without worrying about interest rates.

Contact us to learn more about this unique program.

David Gillon

Sharon Roth

Thomas Roth

Ted Trulock

Loan Originator NMLS: 1678146

Loan Originator NMLS: 1558512

Production Manager NMLS: 528125

Loan Originator NMLS: 560037

PrimeLending - Champaign

217-355-3800

2009 Fox Drive, Suite A | Champaign, IL 61820

Home Loans Made Simple

®

*Float down option may require additional fees and restrictions. Please contact your PrimeLending loan officer for more details.

All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender. © 2016 PrimeLending, a PlainsCapital Company. PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a statechartered bank and is licensed by: Illinois Residential Mortgage Licensee.

and Save Money With These Heating Tips Year after year, many homeowners find themselves surprised when their first heating bill arrives. Now that colder weather has arrived, it’s time to find some ways to stay warm while saving money. The frugal-minded tend to turn to extra blankets and multiple layers in lieu of paying expensive heating bills, but at the end of the day, you should be comfortable in your own home.

With a little knowledge and a few behavior tweaks, you can heat your home much more efficiently, without sacrificing your comfort or your hard-earned paycheck:

By setting your winter thermostat to 68 degrees while you’re awake and setting it lower while you’re asleep or away from home, you can save up to 10 percent a year on heating costs.

Just simply turn your thermostat back anywhere from 7-10 degrees for approximately eight hours a day.

year on heating costs! If you have pets in your home, your filters are probably even dirtier - changing them once a month is recommended. Taking this step will not only save you money, but also likely prolong the life of your furnace. Have your local heating and air company regularly service your furnace to make sure things are running properly.

CHANGE YOUR FILTERS

SEAL CRACKS AND DUCTS

Dirty air filters restrict airflow and increase your energy use. Changing the filters on your furnace or heating unit at least every three months can save you anywhere from 4-6 percent a

Windows and doors account for a large amount of heat loss in homes. In fact, installing weather-stripping or caulking leaky doors and windows can save you up to 10 percent on heating

TURN DOWN THE TEMPERATURE

costs. Ducts are another culprit of heat loss, accounting for 25-30 percent of heating costs in the average home.

Consider having your HVAC company inspect everything before the really cold weather hits to test the tightness of your ducts and repair any leaks or restrictions.

USE YOUR FAN

While ceiling fans are excellent tools for staying cool in the summer, they can also be adjusted to help you stay warm in the winter. Many fan models have a switch that allows the blades to spin clockwise, which will push warm air that rose to the ceiling back down into the room.

KEEP YOUR CHIMNEY CLOSED

If your home has a fireplace, remember to keep the damper closed when it’s not in use. Consider a chimney balloon (an inflatable device that goes in the chimney) to further keep the cold air out and the warm air from escaping.

Follow these tips and reach out to your local heating and air company to give your system a cold weather check-up to save money and stay warm this season.

Realty Associates Each Office Independently Owned and Operated

DianeDawson@remax.net

HAPPY CLIENTS!

...The Best Advertising Money Can’t Buy

“Diane’s exceptional energy & responsiveness made us certain she’d be the one to list our home. We were impressed with her enthusiasm thoughtful advice & zealous, focused marketing that sold our home in just 12 days for near full price!” Mitch F. 09/30/20 “Diane’s absolutely awesome!She’s much more than a realtor. She’s skilled in staging, design, upgrades & more! She took an unattractive 70’s home to a updated, stylish showcase that was featured on HGTV! I vote her #1 in Illinois!” Craig H. 12/02/18 “Diane’s an excellent Realtor! She’s very knowledgeable in the business & sold my house in record time!! Wow! Amazing!!!Her personality is engaging that made me feel comfortable right away.

Thank you Diane!!! You are the queen of Realtors!” Arsum 08/31/19 “If you’re thinking of buying or selling, call Diane Dawson. She is amazing! She understands what buyers want, knows the market & will work hard for you. You will think you are her ONLY client. Do yourself a favor and call Diane!” Bob D. 08/22/20 “Diane was a joy to work with. She’s knowledgeable, responsive, professional. Great realtor & even better person! Diane loves what she does & it shows thru her passion!”

Caroline B. 07/03/19

SOLD! FEATURED LISTINGS:

DECEMBER

D!

SOL

IN 2 DAYS

DECEMBER

D!

SOL

IN 3 DAYS

NOVEMBER

D!

SOL

IN 7 DAYS

OCTOBER

D!

SOL

IN 4 DAYS

SEPTEMBER

PRE D! SOL

2021

Diane Dawson

EXPERIENCE, SERVICE... RESULTS!

CALL! (217) 373-4812

“Diane is UNBELIEVABLY AMAZING!!! She worked so hard to help me get the perfect home! Everyone will love her! She was kind & helpful & I’m blessed to have met her. Thank you Diane...You’re my angel!”

S.Nelson 04/17/18 “Diane’s the BEST Realtor there ever was! Going ABOVE & BEYOND doesn’t begin to say how much work she puts in. She sold our house & is the reason we landed our dream house! She is such a positive force. Buying or Selling...Diane’s your girl!!!” Jackie H. 06/18/20 “Simply the best! If you want someone who is equally knowledgeable, professional, energetic you should work with Diane. Her work ethic is incredible! She worked just as hard to sell my tiny condo as she would a luxury home!” Jen C. 01/10/20 “Diane is so optimistic & energetic & immensely reduced the normal stress of both buying & selling!

We’ve worked w/so many realtors & Diane is the by far the best. Most organized, w/a plan to execute that got results...Absolutely recommend!” MaryJane R. 06/30/19 “We are so very grateful for Diane’s kindness & dedication to help our family. She’s honest, hardworking & always available. She helped guide us to our new home & even after to get established. Highly recommended!” Jesus P. 07/19/20

AWARDS *PLATINUM CLUB: 2017-2020 *HALL OF FAME: 2018 *100 PERCENT CLUB: 2016 *EXECUTIVE CLUB: 2012-2015 2021 RE/MAX Realty Associates: #1 YTD Individual local area Realtor 2020 RE/MAX Realty Associates: #1 Individual Realtor & Southern Region 4th Place 2019 Southern Region: 2nd Place Individual local area Realtor 2018 RE/MAX Realty Associates: #1 local area Realtor, Volume & Transactions 2017 Southern Region: 6th Place Individual Realtor

Call Diane! ...Your Home Featured & SOLD! Next!

SEPTEMBER

D!

SOL

IN 1 DAY

AUGUST

D!

SOL

IN 1 DAY

AUGUST

D!

SOL

IN 3 DAYS

JULY

D!

SOL

IN 2 DAYS

JUNE

D!

SOL

IN 6 DAYS

- broker

(217) 819-4899 Email: SOLD@bradcoats.com

$750,000 One-of-a-Kind Mahomet scenic acreage-property!

Mahomet’s Woodfield-West. 3 connected land parcels w/2 ½ wooded acres w/2 creeks, scenery & wildlife! As you walk off your backyard into the deep woods. Remodeled & updated w/floor-plan opened up & newly finished daylight basement overlooking the scenic private backyard & forest. 1st-floor master. Over 4,000 fin sq ft. Matching new 3-car garage w/huge walk-up attic and w/attached lg 2-car garage. Agent owned properties. Enjoy the peaceful serenity of your own private grounds with beauty in every season change.

$335,000 Newer Mahomet ranch w/Finished Basement in ‘Country-Ridge’ by the Park!

Don’t miss out on this quality Signature-built ranch just listed in popular Country Ridge close to the neighborhood park. Just a few years old, wonderful open kitchen, split-bedroom design for a private master suite, covered porch with patio & newly fenced yard, fully finished basement w/family room, game room, 4th bedroom, full bath & huge storage/shop area plus a rare 3-car garage.... Priced right! Call Brad today before this nice off-season buy is history! (217) 819-4899

$110,000 Mahomet ranch price-point Coming-Soon!

Do not miss out on this one…. 3 bedrooms, 2 baths, corner lot, 1.5-car garage plus an oversized garden shed, ‘Country-Chic’ updated large kitchen, new wood floors, cozy fireplace w/stone surround, corner lot & more. Legendary Mahomet schools & parks. Priced for a quick & clean-cut sale to qualified buyers…. Great home purchase opportunity, call Brad today! (217) 819-4899

$25,000 Investors Look!

That is no typo on the price.... drive a little and get a much better monthly positive cash-flow return.

Tenants in place for this 3-bed as-is but functional house near the park.

Offered at a fantastic price for the sharp/able/cash investor buyer for a quick sale. Call your Broker today!

$160,000 Coming-Soon…Mahomet ranch w/2-car garage Plus a huge newer workshop garage!

Very nice updated home, remodeled kitchen, covered front porch w/new stone façade, nice layout, clean as can be, attached lg 2-car garage plus a huge newer workshop building/garage on the other side of this big corner lot perfect for your toys, shop or business equipment w/separate access off the main road. Very close to Lake of the Woods Park & trails too… Wow!

Your RE/MAX broker for over 20 years... Dedicated to Successful Results for You