MNA - Your Next Home - June 2022

FIND THE HOME OF YOUR DREAMS...

FREE June 2022 Residential

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your Next Home W E S T

Commercial

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Rentals

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Vacant Land

M I C H I G A N ■

Waterfront

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Farms

SEE OUR DIRECTORY ON PAGE 4 FOR A FULL LIST OF REALTORS AND BUSINESSES. A MONTHLY PUBLICATION OF THE MANISTEE NEWS ADVOCATE & BENZIE COUNTY RECORD PATRIOT

Benzie, Manistee & Mason Counties

Lighthouse Realty 360 E. Parkdale Ave. Manistee

231-398-3800 www.goLighthouseRealty.com

Sales & Property Management

231-299-1180

www.MIEssentialRealEstate.com

www.dwellingrealty.com hello@dwellingrealty.com Caliber Home Loans, Inc., NMLS 15622. Copyright 2021. Equal Housing Lender.

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Your Next Home • June 2022

In This Issue REAL ESTATE AGENCIES & REALTORS..................................PAGE Dwelling Realty............................................................... 1 (Cover) Essential Real Estate........................................................ 1 (Cover) Lighthouse Realty........................................................... 1 (Cover) MOM Board of Realtors...............................................................2 Coldwell Banker: Jamie Gray.......................................................5 Real Estate One: Kathy Neveu......................................................6 Century 21: Kari King..................................................................7 Lighthouse Realty: Kerri Mackey..................................................9 Essential Real Estate............................................................. 12-13 Lighthouse Realty: Heather & Casey..........................................15 Century 21: Gini Pelton.............................................................20 Lighthouse Realty......................................................................24 FINANCIAL INSTITUTIONS Caliber Home Loans: Mindy Sedelmaier........................ 1 (Cover) Genisys: Meghan Kirker.............................................................16 Shelby State Bank......................................................................19 Metro Mortgage.........................................................................21 HOME IMPROVEMENT/ DECOR COMPANIES West Michigan Kitchen Studio.....................................................3 Pamela’s Interior Designs............................................................5 Somsel Lumber Co.......................................................................7 Carter Lumber............................................................................11 REDEEMED.................................................................................19 Holden's Home Emporium, Inc.................................................23 INSURANCE COMPANIES State Farm Insurance Agency: Mary Sturdevant........................21 MISCELLANEOUS Business Directory.......................................................................4 Real Estate Transactions.............................................................17 ADVICE FOR THE HOME Turn your yard into a vacation-worthy oasis.................................6 How to protect your home when you're away..............................8 Easily overlooked safety hazards around the house..................10 Guide to outdoor lighting..........................................................14 What is a HELOC...........................................................................18 Did you know? - Smoke Detectors..............................................20 Key components of 3 popular home interior styles...................22 June 2022 • Your Next Home

3 LOCATIONS wmkitchenstudio.com LUDINGTON

5752 W. US 10, Ludington, MI 49431

231-480-1200 BYRON CENTER 7440 Clyde Park Ave. SW Byron Center, MI 49315 616-281-6684

FOREST HILLS 850 Forest Hills Ave., Suite C Grand Rapids, MI 49546 616-727-0909

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Business Directory ■

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Caliber Home Loans: Mindy Sedelmaier 231-233-0963

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Carter Lumber 231-757-9000 www.carterlumber.com Century 21: Kari King 231-651-0923 www.C21Northland.com Century 21: Gini Pelton 231-690-0852 gini@c21boardwalk.com Coldwell Banker: Jamie Gray 231-499-1430 Dwelling Realty www.dwellingrealty.com

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Essential Real Estate 231-942-9334 Therran Ferguson, Broker/Owner 231-510-1790 Michael Kruse 231-690-8882 Jenna Mahoney 231-942-9334

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Genisys: Meghan Kirker 231-233-0241 genisysmortgage.com/mkirker Holden’s Home Emporium, Inc 231-757-8733 www.holdenshomeemporium.com

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Lighthouse Realty Manistee 231-398-3800 www.goLighthouseRealty.com Heather Barker 231-510-5505 Shirley Barker 903-681-6102 Cathy French 231-233-3268 Leah Gannon 517-607-5347 Jeremy "Ox" Glenn 812-929-9289 John Hanson 231-510-5543 Bill LaBelle 239-887-1037 Leanne LaBelle 239-887-0998 Kerri Mackey 231-510-8380 Emily Pomeroy 231-510-1303 Dale Smith 231-794-9122 Cheryl Staszczak 248-805-3802 Casey Tennant 231-233-7613 Mason Oceana Manistee Board of Realtors www.momboard.com Metro Mortgage 231-425-5555 www.metromtg.com Pamela’s Interior Design 231-723-8688 PamelasInteriors.net Real Estate One: Kathy Neveu 231-342-0921 Redeemed 231-887-4222 Shelby State Bank www.shelbybank.com Somsel Lumber Co. 231-362-3103 State Farm Insurance Agency Mary Studevant 231-723-9905

■ West Michigan Forest Products

www.wmkitchenstudio.com Ludington 231-480-1200 Byron Center 616-281-6684 Muskegon 231-246-7184 Forest Hills 616-727-0909

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Your Next Home • June 2022

For Kitchens and Bath Cabinets, Countertops, Installation and Design Come See 433 River Street, Manistee, MI (Open by Appointment - Call today) residential commercial

Pamela Schindlbeck interior/kitchen/bath designer

PamelasInteriors.net

231-723-8688

#1 SELLING AGENT* CONTACT US TODAY!

231-499-1430 *Of all agents at Benzonia, MI office

June 2022 • Your Next Home

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Turn your yard into a vacation-worthy oasis

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arm weather means more time to relax outdoors. For those homeowners lucky enough to have entertaining spaces outside, spring and summer provides plenty of opportunities to enjoy fresh air under the sun or stars.

Over the last few years, families have become especially familiar with what works about their yards and where there is room for improvement. Pandemic-related travel restrictions and early stay-at-home mandates resulted in plenty of time spent in backyards on staycations. Even though many such restrictions have been lifted, homeowners may have seen the benefits of having functional respites right outside their doors.

A backyard renovation can cost anywhere from $5,000 to $50,000. The American Society of Landscape Architects suggests homeowners budget the cost of a major landscaping project at between 5 and 10 percent of their home’s value. Large or small, here are ways to make an outdoor oasis at home.

Create living privacy Living in close proximity to neighbors may make privacy harder to come by. Wood or vinyl fences, however effective, may not provide the all-natural look many people desire. Vertical gardening, which trains easy-care vines like English ivy, Clematis or various climbing roses to grow on trellis or fencing adds greenery and privacy. Hedges and fast-growing shrubs also can be used for natural barriers.

Install a pool Pools are the ultimate spots to cool off on hot days. An elaborately shaped inground pool can blend in with the landscape and offer the ultimate hang-out zone. However, above-

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ground pools also serve the purpose and are more budget-friendly. Stock tank pools are popular among those who want minimal pool expenditure or have small spaces to work with. Stock tanks are metal vessels traditionally used as watering holes for livestock.

They also can be “adult kiddie pools” when combined with some plumbing. Galvanized steel frames make them sturdy. With floats and other accessories, they can become the perfect oasis.

Provide outdoor atmosphere Create a bespoke bistro vibe by using freestanding planters and posts along with hanging lights to make an intimate outdoor hangout spot at night. For those with permanent structures, like a deck or a gazebo, lights can be strung across the area or on railings or edging.

Extend the living space Decks and patios can help make outdoor entertaining areas more comfortable by eliminating the need to sit on the grass or gravel. Plus, they add another “room” to the home. When paired with weatherproof patio furniture, such as sofas, loungers and tables, a private seating area can be crafted and utilized for any number of entertaining desires.

Hang a hammock Few things evoke feelings of relaxation better than a hammock. Fitted between two trees (or two posts if trees are sparse), a hammock is an ideal place to grab a nap or read a book.

Additional oasis-inspired ideas include outdoor kitchens, letting up lanterns, cascading water features, and bird feeders to attract the sounds of nature.

Your Next Home • June 2022

VACANT LOTS IN THE PEACEFUL AND FRIENDLY NEIGHBORHOOD OF GATEWAY HEIGHTS ATOP GATEWAY HILL ENTERING FRANKFORT

00 FRAN AVENUE • FRANKFORT 000 FRAN AVENUE • FRANKFORT HALF-ACRE + HALF-ACRE CORNER LOT Both lots adorned with mature trees and bushes. Gateway Heights subdivision includes paved and public maintained roadways, underground utilities, natural gas and is located in Crystal Lake Township. Close to schools, hospital, shopping, and restaurants in Frankfort, Lake Michigan, Crystal Lake, Betsie River and other area attractions that make northern Michigan a beautiful place to call home.

MLS# 1889717

MLS# 1889716

VACANT BUILDING SITES WITH CRYSTAL LAKE ACCESS READY FOR THE UP NORTH HOME OF YOUR DREAMS

4060 SPRING VALLEY ROAD BEULAH Exceptional opportunity to build with seasonal views of Crystal Lake. Prime location within Crystal Highlands Association and access to the Spring Valley Swim Beach, including 2 docks, a deck, and much more. MLS #1886905

000 HIGHLAND DR. • BEULAH .69 ACRE This gently sloping building site is prepped and ready for your home with underground electric, natural gas and cable internet/TV. This lot provides all of the opportunities to enjoy northern Michigan lake life to the fullest. MLS #1890771

PRIME COMMERCIAL VACANT LAND IN CITY OF FRANKFORT

000 MAIN STREET FRANKFORT Rare opportunity in the downtown area of the City of Frankfort. Six vacant 50'x150' lots on Main Street close to M22. Many possibilities for a future buyer to grow a business in this flourishing harbor town.

MLS #1889534

231.651.0923 KARIKINGHOMES.C21.COM

June 2022 • Your Next Home

KariKing@C21Northland.com 408 Main St. • Frankfort, MI 49635 Each office independently owned and operated.

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How to protect your home when you’re away V acation often serves as a well-deserved break from the hustle and bustle of daily life. When relaxing and recharging away from home, the last thing vacationers want to think about is the safety of their homes and everything inside them. However, the National Council for Home Safety and Security and Statistics Canada estimate that more than two million burglaries occur in the United States and Canada every year. That underscores the importance of protecting your home at all times, including when you’re not there.

• Create the impression that someone is home. Just because you’re heading off for parts unknown doesn’t mean you can’t create the impression that life is carrying on as usual within the walls of your home. Smart home technology now enables homeowners to set timers on lights and even home electronics like televisions and radios. Homeowners

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also can ask neighbors to pick up their mail or halt delivery until they return from their trips. Nothing says “no one’s home” as definitively as an overflowing mailbox.

• Keep quiet on social media. A Credit Sesame survey of former burglars in the United Kingdom found that 78 percent acknowledged monitoring social media platforms such as Facebook and Twitter as they try to find homes to burglarize.

Individuals about to go on vacation should avoid sharing that on social media.

• Stay silent while you’re away as well.

Social media silence should be continued while you’re on vacation as well. No matter how tempting it may be to share photos from an exotic location, such posts could catch the attention of all the wrong people. A recent report from MetLife indicated that 35 percent of

Americans between the ages of 18 and 34 check in from their locations via social media. That can alert criminals that no one is manning the fort back home.

• Switch from a traditional lock and key to a lockbox. Individuals who travel frequently can take a page from the realtor notebook and switch from a traditional lock and key lock system to a lockbox.

Lockboxes require that a code is entered before a box containing a key can be unlocked. Homeowners who want this added measure of protection don’t even need to put a key inside the lockbox, which typically covers a lock, making it extremely difficult for potential thieves to pick the lock.

Before leaving for vacation, individuals can implement various strategies and safety measures to protect their homes and their belongings while they’re away.

Your Next Home • June 2022

June 2022 • Your Next Home

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Easily overlooked safety hazards around the house A ccidents happen. While even the most cautious individuals are not immune to accidents, that doesn’t mean it’s not in everyone’s best interest to do everything they can to reduce their risk of accident and injury, particularly around their own homes.

Homes are often seen as safe havens, but they’re also where many individuals suffer preventable injuries. Data from the National Safety Council indicates that about 14 out of every 100 people suffered preventable injuries in their homes or a community venue in 2020.

A home’s status as a sanctuary can make it easy to overlook various safety risks. The following are some safety hazards that can be prevented when homeowners make a concerted effort to make their homes as safe as possible.

• Scalding: Scalding injuries pose a significant threat to anyone.

Data from the Consumer Product Safety Commission indicates that more than 375,000 scald burn injuries associated with various household appliances and products were treated in emergency rooms between 2013 and 2017. More than one-fifth of those injuries affected children four years old and younger. To prevent scalding injuries, make sure the temperature on your water heater is set no higher than 120 F. The American Burn Association advises parents to avoid giving children responsibilities above their developmental ability. For example, don’t let children bathe siblings, cook, wash dishes, or use appliances like toasters or microwaves until they’re able to recognize and understand the dangers of scalding and burns.

• Trips and falls: The National Floor Safety Institute indicates that falls account for more than eight million emergency room visits each year. Seniors seem to be especially vulnerable, as the National Institute on Aging indicates 30 percent of individuals age 65 and over will sustain a fall each year, with 10 percent of those falls resulting in serious injury. These injuries are easily avoided by routinely cleaning up to ensure walking paths like hallways and staircases inside the home and exterior walkways are clear of obstructions and debris. Carpeting and throw rugs also can pose a falling/tripping hazard, so promptly address carpet that is peeling up and utilize non-slip rug pads for throw rugs and floor mats throughout the home.

• Unstable furniture injuries: The CPSC indicates that every year more than 11,000 children suffer injuries that require emergency room visits due to tip-over incidents involving home furnishings

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like televisions. And kids aren’t the only ones vulnerable to these injuries, as 56 percent of tip-over-related ER visits involve patients over the age of 18. Mount or anchor all flat-screen televisions in your home to reduce the risk of tip-over injuries. In addition, replace any unstable furnishings, such as wobbly dining room chairs or well-worn armchairs that are no longer stable. Such furnishings pose a significant injury risk to anyone, but especially kids who love to climb on couches and chairs.

It’s easy to overlook safety hazards around the house. But a little bit of attention can go a long way toward preventing potentially serious injuries.

Your Next Home • June 2022

At Carter Lumber in Ludington, we make the transition into a new home as painless as possible. We have years of experience helping new residents turn their new homes into the permanent home of their dreams.

From kitchen and bath designs to decking, we make the remodeling and building process easy. We’ve been rooted in the community for decades and are proud to welcome you to our beautiful lakeside community.

For more information on how we can help you, visit us in-store or online.

Welcome to the neighborhood!

June 2022 • Your Next Home

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16954 Caberfae Hwy Wellston

$475,000 #22019638

This fully functioning gas station is right on M-55. 4 pumps and a rec fuel tank sit on just under an acre with store front space totaling 2250sq’ of combined retail, commercial kitchen, freezer and cooler space (complete with new compressors).

$825,000 #22019639

231 W Parkdale Ave Manistee 1800 sq ft

$245,000 #22017239

$23,400 #21107443

$30,000 #22016152

$32,000 #22017112

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Gitchegumee Dr Buckley, MI This quarter acre lot has a view of lake Gitchegumee and is home to a small selection of hardwoods. In the portion of the subdivision where no mobile homes are allowed, this lot offers you wonderful potential for a primary or vacation home.

17640 Forest Rd Wellston 2 beds, 1 bath, 650 SF This is a mobile home with a small addition to it. The main portion of the home sits under a roof structure that will require a revamping soon. These sellers have not been up to the property in a long time, thus their reason for selling.

$35,900 #22003589

Potter Rd Bear Lake Huge 24 x 20 greenhouse equipped with underground power on 4 large lots in Bear Lake. A short trip to Bear Lake or Lake Michigan, this is the perfect spot to build your forever home.

Lots 17-20 total just under an acre for your use.

Local River Adventure Sports Business with an endless amount of opportunity! Home & Business Combined! Manistee Paddle Sport Adventures has a huge following for all the Big & Little Manistee River summer activities including kayaking, river tubing, canoeing, bike and scooter rentals.

Lots 1-9 Cranberry St. Wellston This gorgeous cluster of lots offers wonderful potential for seclusion and relaxation.

Sat on just over one acre on quiet Cranberry Lake, these lots wrap around the south west side of the lake and offers you distance from neighbors as the buildable location is in the center of the 9 lots.

$19,500 #21019465

5450 Carlson Rd Manistee 7 beds, 3 baths, 3180 SF

$950,000 #21116571

Opportunities like this, simply don’t happen every day! Sprawling 80 acre resort on Anderson Bayou of the Big Manistee River.

Extremely well maintained 7 bedroom, 3 full bath home, with combined guest house separated by an attached garage, as well as a 24’ x 24’ bunkhouse style cabin right on the bayou!

$295,000 #22010703

$68,000 #22016471

$125,000 #21007049

Vacant Lot Clinton Bear Lake Two lots on Clinton street totaling +/- .7 acres. This lot is buildable and close to Bear Lake in a quiet neighborhood off of South Shore Drive. This lot has wonderful potential.

Pine trees currently growing up which could be kept or cleared to suit your needs.

271 7th St Manistee 4 beds, 2 baths, 1235 SF This home is has gorgeous sun room entry ways on the front and back of the house.

Complete with a large open dining area off the main living, 2 bedrooms on the main floor and 2 upstairs. All appliances have been updated beginning 2016 or later.

Your Next Home • June 2022

16992 Caberfae Hwy Wellston

$825,000 #22019639

This beautiful campground and RV park has 65 sites in total! 20 with full hook up, 45 with electricity only.

Complete with a 4 bath bath house WITH laundry service and 2 cute cabins available for primary living or rental!

721 Warfield Rd Wellston 3 beds 2 baths 2,060 SF

$299,000 #22019580

This beautiful 13 acre parcel is adjoining thousands of acres of federal land on the south west corner and is perfectly situated in the heart of Manistee County’s recreation wonderland. Fishing, hunting, hiking and endless ORV and Snowmobile trails make this a prime time destination for an outdoor euthenist.

#22016471

$125,000 #21007049

ant Lot Clinton Bear Lake ots on Clinton street +/- .7 acres. This lot ble and close to Bear a quiet neighborhood uth Shore Drive. This wonderful potential. ees currently growing ch could be kept or d to suit your needs.

271 7th St Manistee s, 2 baths, 1235 SF ome is has gorgeous m entry ways on the d back of the house. ete with a large open g area off the main 2 bedrooms on the or and 2 upstairs. All ces have been updatinning 2016 or later.

7019 W 20 Rd Mesick A rare gem surrounded on all four sides by the Huron-Manistee National Forest. This property has DIRECT and private access to the area’s most loved trails. The forest offers an abundance of wildlife, ideal for a hunter and trapper.

$99,000 #22019941

$425,000 #22017755

17016 Sixth St Wellston

0 Steinberg Rd Wellston

$68,000

This well kept and recently updated home is situated on 14+ acres, complete with a large 40x72 pole barn, separately metered (653 Warfield Rd) with its own well and septic (not hooked up), a 20x12 detached garage and a 12x18 carport perfect for storing your winters wood.

13604 Caberfae Hwy Wellston 4600 Sq Ft This is the perfect setting for someone looking to take over a booming vacation rental business. With limited openings left for the season, this 5 bed 2 bath house, 4 unit motel and 3 cabins make plenty of room for any occasion.

$33,500 #21110266

$89,900 #22017981

These two lots are situated across from Wellston’s most popular swimming spot and rec area. With many planned improvements to the community area, this lot could provide a wonderful vacation home or weekend renal to anyone who can appreciate the play area, basketball courts, picnic area and lake across the street.

0 Niemi Rd Kaleva This 20 acre lot is situated in the heart of the forest, the gorgeous drive out here over the nearby bridges through the winding forest roads you’ll find the perfect spot to build your dream home or start your hunting and fishing head quarters. This lot is full of pines

Mary St Wellston

$25,000 #22012443

This cluster of lots totals just under an acre with endless potential. Zoning allows for camping up to 90 days with no permit and will allow an additional 30 WITH a permit.

There is a old his and hers outhouse on the lot and an old power pole in place.

Pueblo Trail Buckley

$12,000 #22016716

This open lot inside the beautiful Gitchegumee Subdivision offers year round enjoyment. Owners have access to the private boat launch and play area at the lake, for the small annual HOA of $150. This lot boarders one of the common areas of the subdivision AND is just down the block from hundreds acres of public land.

9632 Pouzar Road Interlochen Here is a beautiful 15+ aces in Grant township, right in gorgeous Grand Traverse county. WIth a cleared spot to build your dream home, and a usable driveway in, you have all you need right here. A variety of hardwoods and wildlife make this the ideal property for huting and recreational joy.

198 Cleveland St Manistee, MI 3 beds, 1 bath, 1215 SF

$77,000 #22005782

Fixer Upper. 1,200 sq. ft. 3 bedroom, 1 bath home with main floor laundry. Home could you extensive remodeling. Was utilized as a long term rental by the current owner for many years.

With some elbow-grease and a bit of vision, this home could be brought back into nice shape.

June 2022 • Your Next Home

Sales & Property Management

231-299-1180

www.MIEssentialRealEstate.com 13

Guide to outdoor lighting

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ighting is an essential component of interior and exterior home design.

Not only does lighting add style and make spaces more appealing, when done correctly, it also makes a home safer and more functional.

Homeowners who plan to utilize outdoor spaces like backyards, front porches and walkways to the fullest should think carefully about lighting. These guidelines can assist with selecting outdoor lighting fixtures.

Security lighting Flood lights and security lights are a good investment for those who want to beef up visibility and security around the home. These lights are high-intensity and designed to illuminate large areas. The brightness and reach can serve as a preventive measure to keep animals and even criminals away. Motion-sensor lights will immediately engage if something crosses the path of the sensor.

Some lights will remain on from dusk until dawn. Lowes Home Improvement suggests using the correct wattage on outdoor security lights so they flood an area thoroughly without affecting neighboring properties.

Wall, post and ceiling lights Outdoor lighting fixtures beyond security options come in a variety of styles, according to Lamps USA. Wall lights are mounted to the outdoor wall of the home. These typically flank doorways or the garage. Post lights are often installed on the posts of decks and porches, or are free-standing on properties, providing visibility but also style. Ceiling-mounted lights may be above doorways or installed in any structure that has an overhead area. Warm-colored temperature

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bulbs in these fixtures can create an inviting atmosphere that is not too bright and jarring, especially when multiple lighting fixtures are working together. When selecting lighting for wall-mounted fixtures, experts suggest sizing up if you are not sure of the size to pick, as lights will look much smaller in scale from a distance.

as bright.

Accent and landscape lighting A bevy of accent lighting choices are available. Accent lighting is designed to enhance the mood and appearance of certain elements of a landscape. Accent lighting is not intended to add bright light. For example, upward-directed lights can be cast on trees or shrubs to accentuate their shapes. Accent lighting also may call out a structure, such as a garden or a fountain. While accent lighting may be hard-wired, homeowners who want the luxury of changing lighting can opt for solar fixtures, which are more mobile but not

Furthermore, ensure that any fixtures that are being used are safety-rated for outdoors.

Wet-rated fixtures are designed to withstand direct exposure to outdoor elements, advises the design experts at Schoolhouse, a lighting and lifestyle goods company. Damp-rated fixtures are built for outdoor locations protected from harsh weather. Look for the product details or work with an electrician to choose the right lighting choices.

Additional pointers When shopping for bulbs, consider the number of lumens. A standard 100-watt bulb produces around 1,600 lumens. Security lights should range from 700 to 1,300 lumens for optimal brightness. Other lights needn’t be so bright.

Lighting can transform outdoors spaces for the better.

Your Next Home • June 2022

g Heather Barker (231) 510-5505

9115 Johnson Rd, Kaleva

2 Bedrooms, 1 Bath on 1.08 Acres with 28x32 Garage and 100ft of Chief Lake Frontage

heather@golighthouserealty.com

Offered at $382,000!

CALL HEATHER TO GET YOUR HOME SOLD!

Casey Tennant (231) 233-7613

casey@golighthouserealty.com

18265 Northwood Hwy, Arcadia

4 Bedrooms, 2 Baths + Pole Barn on 1 Acre. Close to Lake Michigan

Offered at $325,000!

June 2022 • Your Next Home

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Serving Northern Michigan Since 1999

NMLS# 162651

Whether you are looking to buy or build, let Genisys Mortgage Professionals guide you home!

Meghan Kirker LOAN OFFICER

231.233.0241 mkirker@genisysmortgage.net NMLS# 1189571 GENISYSMORTGAGE.COM/MKIRKER

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Your Next Home • June 2022

Manistee News Advocate Recorded Sales for the Month of: April 2022 518 E KOTT RD, MANISTEE 7 BOWERMAN RD, MANISTEE

$340,000 $45,000

366 FOURTH ST, MANISTEE

$243,500

15732 HARLAN RD, COPEMISH

$111,000

7 BRIDGE AVE, MANISTEE

$125,000

V/L CHIEF RD, BEAR LAKE

$455,000

492 PARKDALE AVE, MANISTEE

$319,000

265 MATHISEN RD, MANISTEE

$652,000

677 & V/L SNYDER RD, WELLSTON

V/L SAINT PIERRE RD & V/L FREDERICK RD, ARCADIA

$380,000

1400 VINE ST, MANISTEE

$65,000 $167,500

V/L ELK RUN ST, BRETHREN

$13,000

523 SECOND ST, MANISTEE

$255,000

V/L LAVERNE RD, WELLSTON

$23,000

V/L LAKE BLUFF DR, ARCADIA

$115,000

3027 GREBE CT, ARCADIA

$770,000

18936 CADILLAC HWY, COPEMISH

$450,000

3924 & V/L CHIPPEWA HWY, MANISTEE

$400,000

3375 THIRTEEN MILE RD, BEAR LAKE

$268,939

602 FAIRVIEW AVE, MANISTEE

$197,500

1110 SEAMAN RD, WELLSTON

$180,000

3468 PORTAGE POINT DR, ONEKAMA

$499,000

3556 LINDEMAN RD, MANISTEE

$170,000

V/L RICE RD, COPEMISH

$21,000

8520 S PORTAGE POINT DR #36, ONEKAMA

$165,000

369 RIVER ST, MANISTEE

$317,500

3280 HIGH BRIDGE RD, BRETHREN

$285,000

441 S SEAMAN RD, WELLSTON

$15,000

309 THIRD ST, MANISTEE

$74,900

213 EIGHTH ST, MANISTEE

$95,000

V/L CHERRY RD, MANISTEE

$78,000

711 DIVISION ST, EASTLAKE

$230,000

328 FOURTH ST, MANISTEE

$137,000

243 FIFTH AVE, MANISTEE

$30,000 $363,000

9654 NORCONK RD, BEAR LAKE

$220,000

511 FOURTH ST, MANISTEE

1967 OLSON RD, MANISTEE

$352,000

V/L FERNDALE DR, ONEKAMA

$12,000

2608 MANISTEE ST, MANISTEE

$216,000

1506 VINE ST, MANISTEE

$93,000

240 SIXTH AVE, MANISTEE

$60,000

721 MERKEY RD, MANISTEE

$212,000

614 CYPRESS ST, MANISTEE

$34,500

V/L BURNHAM DR, ARCADIA

$165,000

V/L ERDMAN RD, BEAR LAKE

$18,500

4430 RIVER RD, MANISTEE

$186,000

5413 S COUNTY LINE RD, FREE SOIL

$292,000

V/L LITZEN RD, COPEMISH

$24,000

14970 PETERS FARM RD, IRONS

$209,500

5005 CHIPPEWA HWY, MANISTEE

$260,000

280 SEVENTH ST, MANISTEE

$184,900

V/L S BAKER RD, WELLSTON V/L NORCONK, BEAR LAKE

June 2022 • Your Next Home

$9,000

1209 TWENTY-THIRD ST, MANISTEE

$130,000

4748 FOX FARM RD, MANISTEE

$140,000

V/L STEINBERG RD, MANISTEE

$83,900

$2,400

V/L FARNSWORTH RD, MANISTEE

$90,000

$58,000

V/L BITTERSWEET DR, MANISTEE

$34,900

V/L ELEVEN MILE RD, BEAR LAKE

$115,000

V/L MOUNTAIN VIEW DR, THOMPSONVILLE

V/L STARLIGHT RIDGE CIR, ONEKAMA

$23,000

26 EAST ST, MANISTEE

$38,000

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HELOC?

What is a H

omes symbolize many different things, including an investment in one’s future.

Bank of America says a home equity line of credit, often referred to as a HELOC, is a line of credit secured by your home. It is a revolving credit line that can be used for various expenses. The Credit Union of Southern California reports that a HELOC credit line is issued by a lender and has a limit and variable interest rate that is secured by the equity in your home.

A HELOC is similar to a credit card in that they both provide revolving credit. Investopedia says revolving credit is an agreement that permits an account holder to borrow money repeatedly up to a set dollar limit while also repaying a portion of the current balance due in regular payments over time. But unlike credit cards that may have high interest rates, the interest rates of HELOCs often are lower — a significant advantage when paying off large amounts of borrowed money.

Home equity accessed through a HELOC can be a great source of value for future renovations, large purchases such as cars, education-

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al expenses, and alternative debt repayment.

The credit limit of a HELOC depends on your credit standing and unpaid debts. It also is determined by the market value of the home and how much you owe on your mortgage. According to Credit Karma, banks tend to limit the amount borrowed to no more than 85 percent of the appraised value of the home, minus what is owed on the mortgage.

HELOC terms also vary, but they can run for as long as 30 years.

Even though there are many benefits to HELOCs, there is a downside to using a home as collateral. Investopedia says home equity lenders place a second lien on the

home (in addition to the first mortgage lien).

Defaulting on HELOC payments can result in legal action and a home being repossessed.

Another potential pitfall is a lender may reduce or freeze your credit line after missed payments. Even though banks attempt to limit how much can be borrowed through HELOCs to help avoid potentially negative situations, they are not without risk.

Borrowers considering a HELOC have other options, including home equity loans. Homeowners can speak with financial advisors to learn more about their options for maximizing equity in their homes.

Your Next Home • June 2022

?

231-887-4222

172 Memorial Dr. • Manistee (Next to Family Dollar)

Over 50 Vendors! Stop In Today!

June 2022 • Your Next Home

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Did you know?

T

he Electrical Safety Foundation International reports that home electrical fires account for an estimated 51,000 fires each year. Those fires exact a significant human and financial toll, causing roughly 500 deaths and more than 1,400 injuries while leading to $1.3 billion in property damage. Smoke detectors are an important safety feature that may not prevent fires, but they can prevent deaths caused by home fires. In fact, the ESFI reports that 65 percent of home fire deaths result from fires in homes with no working smoke detectors.

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Your Next Home • June 2022

Give your home the protection it deserves.

Your home is where you make some of your best memories, and that’s worth protecting.

Mary Sturdevant Ins Agcy Inc Mary Sturdevant, Agent

I’m here to help.

LETS TALK TODAY.

306 Parkdale Ave Manistee, MI 49660 Bus: 231-723-9905 June 2022 • Your Next Home

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3

Key components of popular home interior styles

C

onsiderable thought goes into designing a home’s interior. From which color to paint the walls to the size of the living room couch, homeowners must make a variety of decisions when planing their home interiors.

One way to simplify interior design decisions is to choose a style. Interior design styles run the gamut from traditional to modern, and each style has its own unique look and feel.

Though homeowners need not feel beholden to any particular item associated with a given style, three of the more popular styles, traditional, modern and farmhouse, each have certain key components that can ensure a home ends up with a look homeowners are aiming for.

1. Traditional Homes with a traditional interior style give a formal yet welcoming feel. Many individuals

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associate crown molding and wainscotting with traditional interiors, so that’s something homeowners aiming for this style should keep in mind. Minimal or modern furniture pieces don’t fit with the traditional style, which tends to utilize period pieces made from real wood.

2. Modern Modern interiors may differ depending on which style of modern homeowners are aiming for. Midcentury modern typically features unique furnishings that some might see as retro. However, many companies now offer updated takes on midcentury modern that call to mind a bygone era but don’t make individuals feel as though they’re living in a museum. Urban modern is another popular modern style, and home interiors fashioned in this style tend to be light, airy and not crowded with furnishings. Calm, soft tones are a go-to with urban modern interiors, helping

to create the serene settings many homeowners are hoping to create with this style.

3. Farmhouse Farmhouse has become very popular in recent years. In fact, a recent survey from the interior design service Modsy found that farmhouse was the most popular design style in 26 states. Farmhouse is beloved for a variety of reasons, not the least of which is its association with a simpler lifestyle. The rustic charm of the countryside is never far from the mind when in a home with a farmhouse-inspired interior. Traditional farmhouse and modern farmhouse are different styles, but natural materials and bright colors, particularly white walls, are elements shared by both.

Traditional, modern and farmhouse are three popular home interior styles. Each has its own unique components, and homeowners can supplement their favored style as they see fit.

Your Next Home • June 2022

Come visit us!

As you all know, these past few years have seen many changes in business, both large and small. We have truly been blessed with great, loyal customers during this time! We will continue serving you throughout this year with quality furniture at great prices. On a happy/sad note, Roy and I are planning on retiring the end of 2022. It has been a rewarding ride and we will miss each and every one of you.

Sales will be going on all year so stop on by.

HOLDEN’S HOME EMPORIUM

From our Home to your home 119 S. Main St., Scottville, MI | 231-757-8733 Tues-Fri 9am-5:30pm • Sat 9am-4:30pm www.holdenshomeemporium.com June 2022 • Your Next Home

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Let the Lighthouse Team work for you in 2022!

9213 Aura St, Kaleva 2,120 sqft. Commercial or Office Building with 720 sqft. Garage

Offered at $100,000

Kerri Mackey • 231-510-8380

13788 Brethren Heights Rd, Brethren 2 Bedrooms, 1 Bath on 6.75 Acres with Outbuildings

Offered at $99,900

Leanne LaBelle • 239-887-0998

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14021 9 Mile Rd, Kaleva Fully Equipped Commercial Restaurant on 2.44 Acres

Offered at $175,000 Heather Barker • 231-510-5505

264 5th Ave, Manistee 4 Bedrooms, 1 Bath + Attached Garage.

Close to downtown and Lake Michigan Beaches.

Offered at $194,900

John A. Hanson • 231-510-5543

Your Next Home • June 2022