The Real Estate Book of Champaign-Urbana-Savoy, IL Volume 31, Issue 5 by Todd Thorstenson

CREATIVE LIVING TIPS INSIDE

Volume 31, Issue 5

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 RBHJNRJ 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: Rose Price Landmark Real Estate 217.202.8843 roseprice@champaignrose.com www.youtube.com/c/champaignrose Stunning, contemporary 5 BDR, 4.5 BA home in the beautiful, quiet, wellmanicured Stone Creek subdivision! See page 8 for details.

GET ZAPPAR

Realty Associates

ZAP THE CODE

Call 217-352-5700 Text Madeline to 52187 for all your real estate needs!

Each Office Independently Owned and Operated.

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LIS TIN G!

803 Ayrshire Cir, Champaign ~ $283,500 Nicely sized ranch, well kept, and in move-in condition. You'll love the storage this beautiful home offers with walk-in closets galore plus built-in storage. Well planned kitchen comes with lots of cabinetry with pull-outs, with access to a lovely eating area overlooking a very private back yard. Living room will hold lots of furniture. Master bedroom has its own private bath. Oversized garage has a whole wall of built-in kitchen cabinetry plus four additional closet spaces and epoxied floor for ease of cleaning. Spacious deck. Beautiful fenced-in yard. Thoughtful landscaping and more. Hurry! This won't last long. MLS:11350933 Text RBHSGRM to 52187

Realty Associates Each Office Independently Owned and Operated

DianeDawson@remax.net #1 INDIVIDUAL RE/MAX REALTY AGENT FOR 2021!

2021

Diane Dawson

EXPERIENCE, SERVICE... RESULTS!

CALL! (217) 373-4812

APRIL’S FEATURED LISTING:

ICONIC HOME IN FANTASTIC LOCATION ... CERTAINLY HAS THE “HIP-FACTOR”! Charm & Character absolutely abound in this classic stucco bungalow at Union and Fair. Extremely well maintained & updated with the best workmanship & top quality materials. The oversized, corner lot is a perfect park-like setting, has mature trees, a brick patio & a cozy front veranda. The painted brick fireplace has original candle lights along with the hardwood floors give the main living space feel warm & welcoming. Arched doorways to the dining room & updated kitchen w/stainless steel appliances. 2 bedrooms with shared bath. Lovely built-ins & details throughout. The large windows are simply delightful interior expressions of the architecture. This home is sure to capture your heart and provide a very special connection to history. The dry, totally usable basement was just recently finished/updated with a half bath, laundry room & activity room, workshop & storage. All appliances plus newer washer & dryer convey. 1 car stucco garage w/garage opener is designed with the home. Recently repainted. Hi-eff furnace. This great home that’s sure to sell quickly, so call for your showing today! Text RBHSBSV to 52187 $175,000

SOLD! FEATURED LISTINGS: Call Diane! ...Your Home Featured & SOLD! Next! MARCH

SOL

IN 1 DAY

FEBRUARY

SOL

AT LIST!

JANUARY

SOL

IN 3 DAYS

JANUARY

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IN 2 DAYS

DECEMBER

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IN 3 DAYS

Page 4 - Get More Details At www.realestatebook.com - Vol. 31, No. 5

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EXCITING CUSTOM HOME LOADED with extras, open floor plan, kit. family and sun room combo, fenced rear yard w/dog run, vaulted ceiling in master suite, basement offers recreation room, office/4th bedroom, custom oak cabinetry, built-in china cabinet, built-in bookcases in family room, oversized 3 car garage, door allows for larger SUV vehicles, garage is heated and has a floor drain, Pella windows, JennAire range, must see home in an established neighborhood.

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Three bedroom 1.5 bath, 2nd story unit offering vaulted ceilings, fireplace, dining room, attached garage. Immediate possession offered.

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ING PEND

SALISBURY/GARDNER HOUSE , this fine and ornate Queen Anne Residence, standing on an acre of ground, was built in 1894 by Thomas M. Salisbury. Salisbury established Tolono's first bank in 1869. Queen Anne (Painted Lady) style with many Classical elements from the past. Interior boasts grand spaces and large rooms, incorporating Birdseye maple woodwork on the first floor and stairway. Grand Victorian has many updates that were made with meticulous focus on keeping with the styling of the period, making it move-in ready.

Well maintained ranch offering new flooring including carpeting and Pergo, Spacious living room with gas fireplace, accent shelving and a large picture window overlooking back yard. Cabinetry in the family room & utility room! Its vacant and ready for a new buyer.

Judy Fejes

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

Text JUDY for a showing today at 217-621-8003!

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Q ZV J

713 NORTH 1800 EAST ROAD, MILFORD $3,250,000 Amber Oaks, an Elegant Country estate on 68 acres of premium land w/wooded acreage w/over 3000 Oak trees. 3 acre lake and lazy river. Stately main residence boasts just under 14,000 sq ft of grand living space. 1st floor large bar, theater room, steam room, and gaming area. Large guest house with 2 master suites enjoying comparable views. Just 1 hour north of C-U and 1.5 hours south of Chicago. Reach out today for a private showing! Text RBHQZVJ to 52187

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4411 TROSTSHIRE CIRCLE, CHAMPAIGN $1,175,000 Stunning custom built in desired Trails at Brittany. 5 Bedrooms + office. 4 Full and 1 Half Bath. Spacious eat in kitchen. Amazing 2 story foyer. Beautiful 1st floor master with 2 way Fireplace & 2nd master in day light basement! 2 tiered deck. 3.5 car sideload garage. Text RBHGVJG 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 217.369.8500 NMLS # 657960

800.511.0045 first-online.bank

First Financial Bank

Member FDIC Equal Housing Lender NMLS# 401915

Settle into a home with LESS THAN 20% DOWN! Talk to us about the Down Payment Plus program.

You may be eligible for up to $6,000 in down payment assistance!

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. 5 - Page 7

Max McComb

REALTOR®, GRI, CDPE RE/MAX Realty Associates

217-373-4878 maxmccomb@remax.net maxmccomb.com

Each Office Independently Owned & Operated

B :R

RECENTLY REMODELED 3 bedroom, 1 bath ranch home has a spacious living room, an eat-in kitchen and a 2.5 car garage with one overhead door. Updates include a new electrical panel, new roof and some updated wiring. $96,000 Max (217) 493-5450 or Text RBHNGXJ to 52187

3 BEDROOM, 1 BATH RANCH HOME is located within walking distance to shopping, gas, food, bowling and is a few blocks from interstate access. This home has many recent updates in 2021 including a new tear off roof, electrical panel, windows, flooring and bath tub surround. You first enter into an open living room with a dining area off the kitchen. The kitchen has great cabinet storage options and leads to the spacious family room which gives you a large bonus space $79,900 Max (217)493-5450 or Text RBHNGXD to 52187

B :R

ROLL UP YOUR SLEEVES and strap on your tool belt! This property is loaded with potential. Renovations were started but there is a lot of work yet to do. Great for an investor or homeowner that wants to build their own equity through a bit of work. Home will not qualify for most mortgage programs, so buyer will need to have access to cash or other line of credit. Property sold "As is condition" $16,500 Max (217)493-5450 or Text RBHRYWL to 52187

B :R

THIS COMMONS LOT is located in the growing Plum Grove subdivision. The lot is not buildable however has access to the frontage road. It is a strip in between multiple existing homes. $25,000 Max (217) 493-5450 or Text RBHPSWN to 52187

Page 8 - Get More Details At www.realestatebook.com - Vol. 31, No. 5

On The COver

Situated in The Reserve neighborhood of Stone Creek! Expansive kitchen with Amish-built cherry cabinets and 7 ft island, granite countertops, stainless steel appliances, walk-in pantry, bar, and adjacent eat-in area. Arched entrance opens to 2-story family rm with impressive floor-to-ceiling stone FP with cherry cabinets, recessed lighting. Tranquil master suite features tray ceilings, bathroom with double vanity, jetted tub, and separate shower. Bright study with floor-to-ceiling bookcases. Upstairs features 3 BDRs, each with attached bath and walk-in closet. Partially finished basement w/BDR, walk-in closet, BA, and daylight windows. 3.5 car garage. Maintenance-free Trex deck on the sunken stone patio. $599,900 Text RBHJNRJ to 52187 FOR ADDITIONAL INFORMATION ON THIS HOME OR OTHER LISTINGS, CONTACT:

Rose Price Broker, Relocation Director, CRP, CIPS Landmark Real Estate 217.202.8843 roseprice@champaignrose.com www.youtube.com/c/champaignrose The Real Estate Book is proud to announce The Real Estate Book is proud to announce The Real Estate Book is proud to announce

The Real Estate Book is proud to announce The to The Real Real Estate Estate Book Book is is proud proud to announce announce AUGMENTED REALITY AUGMENTED REALITY AUGMENTED REALITY AUGMENTED REALITY AUGMENTED REALITY WE MAKE THE PRINTED PAGE COME ALIVE! WE MAKE THE PRINTED PAGE COME ALIVE! WE MAKE THE PRINTED PAGE COME ALIVE! WE MAKE THE PRINTED PAGE COME ALIVE! THE WE PRINTED COME MAKE THE DOES WE MAKE PRINTEDITPAGE PAGE COME ALIVE! ALIVE! HOW WORK?

RealEstateBook.com LOCAL PRINT • DIRECT MAIL • WEB • SOCIAL • MOBILE

TEXT CODES...All you have to do is text the code to 52187 You will get all the information on that listing!

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

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

Tuesday, April 26, 2022

HOW HOW 1. HOW HOW 1. Text ZAPPAR 1. Text ZAPPAR 1. to 52187 Text ZAPPAR 1. to 52187 Text ZAPPAR to ZAPPAR 52187 Text Text to ZAPPAR 52187 to to 52187 52187

DOES IT WORK? DOES IT WORK? DOES 2. IT 3. DOES IT WORK? WORK? 3. 2. Download & open Hold your device 2. 3. Download & open Hold your device 2. 3. the Zappar over the Zap 2. & app 3. device Download open Hold your the Zappar app over the Zap Download & open Hold your device Code & scan the Zappar Download & open Download & app open the Zappar app the the Zappar Zappar app app

over the Zap Hold your device Code & scan Hold your device over the Zap Codethe & scan over Zap over Zap Codethe & scan Code Code & & scan scan

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Request a FREE MAGAZINE from any market across North America at RealEstateBook.com. FacebookRealEstateBook.com Twitter.com/RealEstateBook 18TREB013-062218 Blog.RealEstateBook.com 18TREB013-062218 18TREB013-062218 18TREB013-062218

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“All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise1 any perference, limitations, or discrimination based on race, color, 18TREB013-Zappar_Digest.indd 7/6/18 3:53 PM 18TREB013-Zappar_Digest.indd 1 7/6/18 3:53 PM 1 7/6/18 religion, sex, handicap, familial status, or national origin, or intention to make any such18TREB013-Zappar_Digest.indd preferences, limitation, for PM 18TREB013-Zappar_Digest.indd 1 or discrimination. We will not knowingly accept any advertising 7/6/18 3:53 3:53 PM 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. 5 - Page 9

Longview bank has been deeply rooted in our community for several years. Longview Michelle Barkley Brad Krall George Nichols Dan Wright Bank offers a multitude of products and services to meet all your financial needs. Aaron LoebDavis #1 Home Aaron Loeb Avery NMLS# 2225109 NMLS#Mortgage 712287 NMLS# 595910 NMLS# 663099 MEET OUR MORTGAGE LENDING TEAM Services 217-832-8179 217-688-3150 217-837-2404 217-469-8866

www.longviewbank.com George Nichols NMLS# 595910 217-837-2404

Michelle Barkley Brad Krall Dan Wright Aaron Loeb Aaron Loeb Avery Davis NMLS# 2225109 NMLS# 712287 NMLS# 663099 217-832-8179 217-688-3150 217-469-8866

Avery

Longview Bank Newman Longview Bank Villa Grove Longview Bank St. Joseph Longview Bank Sidney 220 E. Grand 414 W Main Street 6 E. Harrison 2481 E. US Highway 36 www.longviewbank.com Phone: 217-837-2404 Phone: 217-832-8179 Phone: 217-469-8866 Phone: 217-688-3150 Longview Bank Newman 2481 E. US Highway 36 Phone: 217-837-2404

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

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

Longview Bank Sidney 414 W Main Street Phone: 217-688-3150

Home Equity Line of Credit

NO CLOSING COSTs

Kick off your home projects with PROSPECT BANK

Apply Online @ bankprospect.com or Contact Ellen Reinhart (217) 352.0077 NMLS 671824 Scan Here Apply for a HELOC with us now Until June 1, 2022

*Subject to credit approval. Term of loan is maximum of 7 years. Borrowers required to make a monthly interest Only Payment (Minimum Payment of $50/mo).Annual Fee of $35.00. Additional requirements may apply. May result in a balloon payment. **Closing costs are various expenses or outside fees incurred when a borrower closes a new loan. These expenses / fees may include the cost of a mortgage title policy or search, charges for preparation and recording of mortgage or security documents, appraisal fees, application fees, credit report charges and other similar real estate related expenses.

BUYING IN THE FUTURE? STA RT SAV I N G TODAY By Suzanne De Vita

With inventory low and prices rebounding, affordability has become one of the foremost housing issues—both for buyers entering the market, and homeowners looking for a new, but practically priced property after selling. According to new research, accumulating enough for a down payment can take over seven years—and even longer in pricey spots. If the average buyer earning the median national income saved 10 percent of it per month, it would take 7.2 years to amass a 20 percent down payment on the average home in the U.S., according to an analysis recently released by Zillow. Buyers in California are in for the longest savings stretch: 18.4 years in Los Angeles; 18.3 years in San Francisco; and 21.8 years in San Jose—the longest of the markets in the report. Buyers have an easier path in Pittsburgh, where it takes 4.8 years, and in Cincinnati, Indianapolis and St. Louis, where it takes 5.1 years. The disparity between earnings growth and home prices is substantial, the analysis shows. Incomes have increased 52.6 percent in the past 20 years, while appreciation has hit 98.6 percent. “The simple fact that home values have far outpaced income growth, lengthening the time needed to save for a down payment, contributes to millennials’ struggles to enter homeownership,” says Skylar Olsen, director of Economic Research at Zillow. “Saving up

for a down payment can be tough, especially when the cost of everyday life outpaces the money you put into the bank. It requires good budgeting and long-term planning. It’s one reason why more and more first-time home buyers are looking to family and friends for financial help when coming up with their down payment.” While 20 percent down is ideal by many measures, it’s not a requirement; in fact, borrowers can be eligible for as low as 3 percent, depending on the loan and their situation. For guidance, contact your REALTOR®. “Even if you don’t have plans to buy a home in the next year or two, it’s not a bad idea to start setting aside savings for a future home purchase,” Olsen says. “It’s also important to remember that there are many options for mortgages requiring less than 20 percent down.” Suzanne De Vita is RISMedia’s online news editor. Email her your real estate news ideas at sdevita@rismedia.com. Reprinted with permission from RISMedia. ©2018. All rights reserved.

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 5 - Page 11

AFFORDABLE WAYS TO ADD STORAGE TO YOUR KITCHEN

t doesn’t matter how big your kitchen is. Since we tend to spread out and use however much storage space we have, sooner or later, everyone runs out of space. If your kitchen is short on storage options, there’s no need to embark on a renovation. Instead, consider these great ideas from Consumer Reports for adding more options for stashing kitchen supplies and groceries. A ROLLING KITCHEN CART You might be considering installing a swanky kitchen island, but that can cost big bucks. Instead, invest in a stylish rolling cart that provides many of the same advantages at a fraction of the cost. When it comes to carts, you can get as fancy as you’d like—many have fold-down tables and hideaway stools, for example, providing you with extra seating options when needed.

CABINET ORGANIZERS You can get more mileage out of your existing cabinet space by retrofitting them with organizers. Install a Lazy Susan in a corner, for example, so you don’t lose track of items buried in the back. Roll-out drawers in base cabinets allow you to pack more in and easily access whatever you may need. If you’ve got a large pantry, install tiered shelves to give you an at-a-glance view of kitchen staples like canned goods, spices and baking supplies. TOE-KICK DRAWER These secret hiding spots can be placed at the base of your cabinets and open with just the push of your foot. Use them to store school and office supplies, gift wrap supplies, first-aid items or whatever else you may not need on a daily basis. Adding these space-saving organizers to your kitchen will not only make your life easier, but will surely appeal to prospective homebuyers when it comes time to put your home on the market. Reprinted with permission from RISMedia. ©2021. All rights reserved.

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

Spring Into Action Thinking about SELLING? Call us

We have pre-approved buyers ready to purchase in all price ranges. We have an excellent track record and references. If you want the best real estate services in Champaign County call 217.355.1000 today - you’ll be SOLD!

Coming Soon! 2010 Broadmoor, Champaign

Plant Your Roots! Freshly updated ranch with full basement sited on a double lot. You'll admire the attention to detail you'll find.Hardwood floors, 1 full bath, 1 half bath off master bedroom, and additional shower in basement. 1.5 car deep garage. Dining area has full view door that leads to deck and patio overlooking the lot filled with mature trees and plantings. Text RBHMBBQ to 52187

1905 Robert Dr., Champaign $209,900

SOLD

You Snooze, You Loose! 3 bedroom/2 bath brick ranch. Fireplace, basement with laundry and mechanicals plus additional finished rec room. Screened porch to enjoy the soon to be arriving warm weather months. Fenced yard with outbuilding storage. Great HVAC systems - hot water heat and central air! New roof. Close to parks, restaurants, and retail including Art Mart, Sun Singer and more! Easy access to U of I.Text RBHPTBG to 52187

Coming Soon! 1607 Eagle Rd., Champaign

Better than New 1 story home! Open living/ kitchen/dining areas. Full view doors lead to covered porch overlooking generous sized fenced yard. Split bedroom design with owner's suite plus 2 more bedrooms and full bath. Partially finished basement area with family room, kitchenette w/ wet bar, 4th bedroom & third full bath. Large unfinished area makes for great storage or future expansion. The laundry room and landing zone with built-ins adds every day convenience. 3 car garage.Text RBHRYQT to 52187

Coming Soon! 506 S. Draper, Champaign

Watch Spring Unfold from the front porch of this solid, brick period 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.

Choice

Melinda Helfer 217-841-5373

(217) Ernyse Blanson 217-766-8733

Bobbi Gordon 217-493-5959

Brandon Moore 217-841-7048

Rex Roy 217-781-5337

Laura Hatch 217-722-7026

URBANA COMING SOON! Contact Bobbi Gordon at 217-493-5959. Text RBHRVPR to 52187

359-3131

Outstanding Agents Outstanding Results®

SOLD

RANTOUL $179,900 Beautiful 2 story home with 3 generously sized bedrooms and 2 1/2 bath in Rolling Acres subdivision on cul-de-sac. Home has been freshly painted and new flooring throughout. Kitchen has brand new stainless steel appliances with all new hardware on kitchen cabinets. Fully fenced large backyard with area to entertain. The backyard has large above ground pool with brand new liner and hot tub with brand new pump and control panel on patio. You will feel right at home and will not want to miss this one! Contact Daniel Gordon at 217-359-3131. Text RBHRNMB to 52187

URBANA $199,900 Very well maintained Myra Ridge Ranch in lovely cul-de-sac. 3 bedrooms with 3 full baths. Deep backyard that is fenced in and leads to a walking path. Walking distance to South Ridge Park and Atkins Park. This is one you don't want to miss! Contact Daniel Gordon at 217-359-3131. Text RBHRNMC to 52187

204 E Southline Dr Tuscola (217)

253-6978

Georgine Hembrough 217-377-4130

Jill Hess 217-417-8177

CHAMPAIGN $64,900 Great opportunity to pick up a 2BR/1.5BA condo for a great price! 12 x 20 private patio. Susan Property to sell in as/is Frobish condition. Contact Bobbi Gordon at 217-493-5959. 217-202-4688 Text RBHPWWK to 52187

Choice

Tim Hoss 217-369-1670

Ryann Dixon 217-418-3110

Dan Gordon 217-493-5956

2919 Crossing Ct Champaign

Designated Managing Broker

Spencer Adams 217-819-7311 HOMER 144900 Welcome home to this updated 3BR/1.5BA/1CAR home on a corner lot in Homer. Everything was new in 2011 (roof, siding, front porch, deck, drywall, flooring, HVAC, kitchen, bathrooms, light fixtures and more). Nice open floorplan with wood flooring, oversized kitchen with bar area and stainless appliances, separate laundry room and spacious back deck overlooking fenced yard. Hot water heater-2021. Freshly painted and ready for you! Contact Bobbi Gordon at 217-493-5959.

Lydie Maole 217-904-4070

Neal Wood 217-232-9665 RIDGE FARM $189,000 RIDGE FARM $189,000 This is a well established bar and grill and is perfect for anyone wanting to own their own business! The venue features a banquet hall, outdoor seating area, and gaming options. The Ridge is located directly on Route 1--15 miles south of Danville; and convenient enough to service Eastern Illinois and Western Indiana. Contact Neal Wood at 217-253-6978.

Matt Cinnamon 217-714-9657

Page 14 - Get More Details At www.realestatebook.com - Vol. 31, No. 5

4 ITEMS YOU MAY WANT TO INSURE BEFORE MOVING

Even when everything goes according to plan, moving is pretty much guaranteed to be a stressful process. If something gets lost or damaged, however, it’s only going to get worse. That’s why it’s important to make sure that certain luxury items are insured before they’re packed and transported to your new home. While homeowners insurance will usually cover you in the event of a break-in or natural disaster, such as a fire or hurricane, you could still be liable for anything that happens while moving. Moving companies, on the other hand, can be held liable to replace or fix a damaged item if you purchase full-value protection, though you’re not guaranteed to receive full compensation because you’re usually only covered up to a certain amount. For items of extraordinary value, which are defined as being worth more than $100 per pound, it can be a good idea to purchase separate insurance to cover you while moving. Here are a few items that luxury homeowners frequently opt to add coverage to.

JEWELRY

ARTWORK AND ANTIQUES

TECHNOLOGY

For a valuable art collection, it’s quite common to purchase property insurance in addition to your homeowners policy. Even if you’ve already done this, though, you’ll want to check and see if it covers moving, as it’s entirely possible that damage that occurs in the back of a truck is not included.

A state-of-the-art home entertainment setup, complete with an ultra-high-definition television and high-fidelity audio system, can easily set you back tens of thousands of dollars. These items are far from indestructible, but they are replaceable. With insurance, you can enjoy peace of mind should anything happen en route to your new abode.

Perhaps the easiest item to “mysteriously disappear,” it’s always important to take proper precautions with your jewelry collection when moving. Be sure to have highvalue pieces appraised beforehand and, for items that are truly irreplaceable, you may want to hire a special jewelry shipping service, or carry it with you.

WINE All it takes is a bump in the road or a slam on the brakes, and a rare bottle of wine could be lost to the move. Hopefully, you won’t find yourself unpacking any winesoaked boxes at your new home, but, given the fragile nature, it’s smart to insure a valuable collection.

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 5 - Page 15

TAX TIME:

5 BENEFITS OF BUYING A HOME Tax time is here and many people, when they see their tax bills, will be wondering what they can do to pay less next year. Buying a home continues to provide great tax benefits as well as other advantages for Americans looking to build wealth. Below, top-ranked national real estate expert and consumer advocate Rhonda Duffy shares five benefits of buying a home. “If you’re caught in a renting rut or uncertain about joining the ranks of homeowners, you should consider the benefits of buying a home,” says Duffy. “Although home prices are slowly inching upward, now is still an excellent time to buy. This is especially true if you’re a first-time homebuyer. Here are five benefits of homeownership:” Tax advantages: “When tax time rolls around, homeowners are entitled to deduct certain expenses related to their mortgage payments and owning a home. Mortgage interest is typically deductible. In the early years of your loan, this is a sizable amount because a large portion of your mortgage payment is interest. You can deduct mortgage points, which are fees you pay to receive a lower interest rate. You can also deduct your property tax, and you might be eligible to deduct your private mortgage insurance.” Appreciation: “When you rent, your money goes to someone else. There’s no benefit to you other than a roof over your head. When you buy, you earn appreciation as the value of your home goes up. Instead of paying rent, you’ll pay a mortgage and invest in future returns. For example, if you buy a house for $150,000 and five years later, it’s valued at $200,000, you have a $50,000 return on your investment.”

Catching an upswing in home values: Although the increase in home prices nationally slowed last year, prices are expected to continue to rise this year. “If you want to buy before you’re priced out of the market, now is the time to make your move,” Rhonda says. Low interest rates: “While mortgage interest rates are creeping upward, they remain at relatively low levels, especially compared to rates that were in the 8 to 9 percent range 20 years ago. Even as recently as 2007, rates were in the 6 percent range. Pride of ownership: “Perhaps the most satisfying of all the beneﬁts of buying a home is the sense of gratiﬁcation you feel when you relax in your own home. You can remodel and update as you please, you don’t have to rely on a landlord for repairs, and you have a sense of stability.” Reprinted with permission from RISMedia. ©2018. All rights reserved.

MAY 8TH WITH

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rs 4 OR VISIT AY OR 0 HQ TO

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

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Elana Hassell NMLS# 1690887 Kristina Huisinga 217-363-4170 NMLS# 1622953 NMLS# 867099 217-363-4190 217-363-4103 Elana Hassell NMLS# 1622953 217-363-4190

TIPS FOR A NO-STRESS MOVE

ow that the weather is getting warmer, more people are moving. Moving can lead to new, exciting possibilities, but it also means leaving behind the people and places you love. While some sentimental items can be taken to your new place, many memories just aren't transportable. To ensure that everything with your move goes smoothly and that your treasured belongings arrive safely to your new home, prepare with these stress-free tips.

cannot require you to pay more than 110 percent of the price given in a non-binding estimate in order to get your property from them. It prevents movers from holding your property for ransom. If you’re moving intrastate, most states have a similar rule for those movers.

1. RESEARCH YOUR MOVER Look at publicly-available information. All interstate movers are required to be both licensed and registered with the US Department of Transportation’s Federal Motor Carrier Safety Administration. That site will also have complaint reports for registered movers. Your local Better Business Bureau also tracks complaints.

3. INSURANCE Make sure that your mover is insured, and don’t work with one that isn’t. Federal law requires interstate movers to offer liability coverage for any damage to your property at no cost. However, the baseline coverage is 60 cents per pound per item, regardless of the item’s value. Most movers also offer additional coverage for a fee, which you should consider after reviewing the terms. Before declining such additional coverage, think of how much your items are worth, and if 60 cents per pound is enough to make it right if something happens.

2. GET AN ESTIMATE You need an estimate based on a walk-through. If the mover refuses to do so, or insists that you sign a contract (or make a deposit) before doing so, find someone else. This is a big deal because of the “110 Percent Rule”, which says interstate movers

Note that there’s an exception from the federal 110 Percent Rule for services incurred after the estimate is signed.

4. MAKE ROOM FOR NEW MEMORIES Taking every item of sentimental value with you to your new home is not always

Please Say You Saw It In The Real Estate Book - Vol. 31, No. 5 - Page 19

possible. Moving is the perfect opportunity to organize and purge items you don't need or won't use in your new residence. To lessen the load on moving day, hold a garage sale or donate unwanted items to a local charity. If you're trying to sell your current home, the less clutter the better. 5. ORGANIZE, DON'T AGONIZE Starting the process early can help avoid nerve-wracking, last-minute packing, and give you time to be a bit nostalgic. Before you begin boxing things up, take videos and photos of each room to preserve your memories of that space. Don't forget to include outdoor areas like a backyard tree house or handprints in the patio cement. 6. PROTECT DELICATE POSSESSIONS To ensure your belongings arrive safely, it's essential to pack possessions with extra care. Safeguard breakables with wrapping materials designed to protect fragile goods, such as bubble wrap cushioning, for the best protection. Next, have your movers pack items in clean, sturdy containers in a variety of sizes. Large boxes should be used for bulky, yet lighter furnishings, such as pillows and

blankets, and heavier objects should be in smaller boxes to avoid unnecessary strain. Make sure boxes are sealed securely. Be sure to label boxes clearly, marking them on the sides of the boxes, not the top. This step makes it obvious what's inside, even if they're stacked. You also can use different colored or printed packaging tapes to color code each room - red for the bedroom, blue for the kitchen. 7. HAVE HELP ON HAND If you’re moving to a location close to your old home, recruit friends and family to help with unloading and unpacking. You'll love showing off your new place, and it'll help with the transition to see that loved ones aren't too far away to make the trip. Put together an "open me first" box with the gear you'll need immediately, such as tools to assemble furniture, cleaning supplies and shelf liner for drawers, closets and kitchen cabinets. Reprinted with permission from RISMedia. ©2018. All rights reserved.

Real Estate Deal-Breakers & How to Fix Them Efficiently BY B RO O K E C H A P L A N

The real estate sales process can be stressful and seemingly complicated. Even a relatively smooth process can take ample negotiations and may require weeks to pass before you can close on the transaction. Some deals are increasingly complicated, and major roadblocks may develop that threaten the entire project. These are a few of the more significant factors that buyers and sellers may run into during the real estate sales process that could potentially prevent the deal from going through as planned.

Unpleasant Decor Unpleasant decor is something that buyers notice immediately, and some will only make an offer on the home contingent to some decorative updates being completed before closing. For example, some buyers may detest bold paint colors on the walls or may feel that the decor in the kitchens and bathrooms is too outdated; however, sellers may believe that the home is priced appropriately for the as-is condition and that they should not make concessions because of decor. Both real estate agents need to review sales comps in the area to determine if other homes selling in this price range have similar decor or if they have recently been upgraded. The agents should make the buyer and seller aware of realistic expectations based on market conditions, and one or both parties may need to make concessions based on a sales price and property condition that is justified by the market.

Major Repair Issues Home repair issues may be known by both parties before a property inspection is complete, but the inspection report can potentially reveal more issues that have not been discussed. Many buyers may try to negotiate to have repair work completed before closing. You may consider taking a course on renovations (like Rules of Renovation) and other significant home improvement projects be-

fore you agree to take on any huge projects as a buyer or a seller. These courses can help you to better estimate the cost and time it will take to complete the work that is needed.

A Low Appraised Value Many buyers will apply for a home loan to pay for their purchase. Mortgage lenders typically offer a loan amount that is a percentage of the sales price or appraised value, and they will take the lesser of these two figures into consideration. This means that an appraised value that comes in lower than the sales price could reduce the loan amount to an uncomfortable amount for the buyer. More than that, the buyer may not want to pay more money for a house than it is worth. The feasible options are for the seller to lower the sales price or to work with the appraiser to increase the appraised value.

Title Issues It is customary to review the title history on a property before finalizing a purchase, and this is a required step for anyone who is applying for a mortgage loan. This process essentially determines if the seller clearly holds title to the property or what obstacles need to be cleared before the seller can convey title to the buyer at closing. Some issues are minor and can easily be dealt with prior to closing by the title company and the seller. In some cases, however, a real estate lawyer needs to be contacted to resolve the matter. Many real estate deals will close without a hitch, but many others will develop one or several of these issues. Many issues can be overcome when the buyer and seller work together and when enough time and patience is given to resolve the issues. You may also have to use third-party services, such as a title company or real estate lawyer, to address the issue properly.

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

Kaye Harper (Ramona)

Get Property Details! Text Property Code to 52187

BROKER

217-841-0068 email: kayecb99@yahoo.com

In process of sorting, packing, and ready for kids to come get a few items; therefore excuse our boxes/ packing at this time. Enjoy the long lane to this 3/4 BDR home. Front porch area would be a delight to grab a chair or swing morning, noon, or night. Bath on both levels. Property has survey with 8.257 acres. Front door leads into spacious living rm area. Dining room area. Large BA on main level. Kitchen right off this dining are. Mostly hardwood flooring throughout with a couple BDRs with carpet. Full basement area. Large barn. Enjoy living in the country. $249,900 Text RBHSCZZ to 52187

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Owner is ready to show this... Come see this three bedroom home on a corner lot. Attached garage; detached garage. Storage shed to remain. Irregular size lot. Spacious living room area. Some updates have been completed in 2021. Galley type kitchen Refrigerator and stove conveyed as is. Laundry room off kitchen area - no washer and dryer in home. Three bedrooms, two baths. $132,000 Text RBHLZHR to 52187

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GET ZAPPAR ZAP THE CODE

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Each Office is Independently Owned & Operated

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. $180,000 Text RBHHDXG to 52187 Three bedroom, two bath ranch home on corner lot. Newer carpet in spacious living room. Separate dining room. Galley style kitchen. Laundry in closet by back door. Little porch area off back door. Nice master suite. Two other bedrooms. Corner lot. This could be your next home. Storage shed will be moved. Belongs to someone else. Enjoy your new address. $80,000 Text RBHQKFT to 52187

Serving Campus and Community Serving Campus and Community

Ask about our Rate Guarantee Program Matthew Waldrop AVP of Mortgage Matthew Waldrop Matthew Waldrop 1066383 VP NMLS# of Mortgage AVP 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 Mortgage Loan Officer 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/

- broker

SOLD

(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.

$300,000 3.2-Acre incredible updated Oakland country home w/2 buildings! Coming soon.... drive a little & save a lot! Secluded Oakland home set on over 3 private acres just 18 miles from Tuscola. Fully remodeled, amazing new addition, cozy 1.5-story fireplace w/new gas-log, master w/private deck, ultra efficient geo-thremal HVAC, country eat-inkitchen w/quality cabinetry, 2 full baths, 1-level living, convenient attached garage plus an extra 3+ car garage building w/storage lofts, & another building w/office, workshop & 4 horse stalls & tack room! This property is a rare find, and priced right, offered to qualified or cash buyers for a later May/June availability. Wow! Call Brad for more details about this nice property, (217) 819-4899

RACT CONT ING PEND $169,800 Champaign Ranch Coming-Soon! This is the one! Nice 1-level 3bed/2Full bath home, popular Parkland-Ridge, eat-in-kitchen, cool corner fireplace, rare 2.5-car garage w/ workshop. Sale includes all new roof shingles scheduled to be installed too! Priced right for an advanced sale to qualified buyers for spring/early summer closing. Great home - Great buy!

$25,000 Investors Look! What a deal.... Drive a little and get a lot more! Month to month tenants in place now. 3-bed house, functional now but with loads of potential for renovation. Near the park too. Low price for the sharp able cash buyers, call your Realtor today!

$125,000 Champaign Zero-lo-line Home Cute 2-bedroom zero-lot-line home in Champaign, just 5 blocks from Morrisey Park, though you have your own park w/scenic backyard, creek & long extended side-yard! Cute as can be, all remodeled & ready for you. Convenient attached garage w/storage bump-out, private deck overlooks the beautiful backyard, awesome updated kitchen & more... this one checks all the boxes!

$415,000 Amazing Prairie-Meadows Ranch w/Finished Basement Coming Soon! Coming soon.... upscale ranch home with all of the upgraded features you’ve been waiting for in this excellent Savoy neighborhood, very close to Colbert Park & Lake. Nicely sized at 2,835 total finished sq feet with 4 bedrooms, 3 Full baths, big 3-car garage & fully fenced in backyard. Dream kitchen, granite, stainless, fine cabinetry, great-room has a cozy corner stone fireplace, huge family/rec room in fully finished basement w/ bonus bedroom, full bath, theater room plus extra storage space. This one has it all - call your agent today!

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