home|design, September 23, 2017

“It’s like living a vacation at home with all of the yearround activities, vibrant towns and friendly people. I just love living here.”

C H A R L O T T E

Real Estate News

home design

page 6

dedicated to showcasing charlotte’s distinctive homes

—Julie Cash, J. Cash Real Estate

laid-back lake life From luxury to rustic, Lake Norman has it all - story on page 6

design trends

straight talk

window shopping p16

buyers’ prep p20

homes.charlo+e.com

design inspiration

design instyle

home & garden

destination charlotte p22

box moldings p26

fall flowers p28

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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NATIONAL

Act Now! Final Home Sites Now Selling!

Luxury single-family homes on 1-acre wooded home sites.

From the upper $500,000s | (704) 845-2040

SALES EVENT SEPTEMBER 9–OCTOBER 1, 2017 Selling Fast! Act Now for the Home Site of Your Choice.

Award-winning Marvin Ridge School District Estate homes on 2/3 – 1-acre wooded home sites.

From the low $600,000s | (704) 243-3069

Decorated Model Home Now Open!

Newly completed clubhouse with fitness center, pool and tot lot! Located in the highly desirable Weddington area with first-class schools and low taxes!

Single-family homes in a park-like setting.

From the low $600,000s | (704) 845-8655

PERSONALIZE YOUR HOME WITH LIMITED-TIME INCENTIVES *

New Home Sites Released!

State-of-the-Art Clubhouse Now Open!

Luxury ranch-style homes offering low maintenance living.

A Toll Brothers Active Living® Community!

From the low $300,000s | (704) 504-3939

TollSalesEventNC.com/CHO AN ACCLAIMED PAST. A BRIGHT FUTURE.

Open Sun–Mon 1pm–6 pm, Tues–Sat 10 am–6 pm. Brokers welcome. Homes available nationwide. Prices subject to change without notice. Photos are images only and should not be relied upon to confirm applicable features. *Offer, if any, is valid for new buyers who purchase a home in a participating community in Charlotte and deposit between 9/9/17 and 10/1/17, sign an agreement of sale, and close on the home. Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions, including but not limited to the availability of home sites. Toll Brothers reserves the right to change or withdraw any offer at any time. Not valid with any other offer. See sales representative for details. This is not an offering where prohibited by law.

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COMING SOON! Single-family ranch-style and two-story luxury homes in Indian Land, SC. Enjoy living in a park-like setting just outside of Charlotte with low Lancaster County taxes and award-winning schools!

Join the VIP list to receive more info at TollBrothersAtBentCreek.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

homes.charlo+e.com

Quick Move-in Homes Austin’s Creek in Palisades | Charlotte,NC From the upper $200s

Anniversary C E L E B R AT I O N Purchase a Quick Move-In Home on a contract signed between September 1, 2017 and September 30, 2017 and closes by December 29, 2017 and receive:

Up to $5,000* Toward Closing Costs When financing with our affiliate lender, CalAtlantic Mortgage and using our preferred closing agent PLUS

Whirlpool® Washer, Dryer and Refrigerator** PLUS

PLAN

HOMESITE #

BED/BATH/GARAGE

SQ. FT.

SALE PRICE

Appraisal provided without additonal cost*** When financing through our affiliate lender, CalAtlantic Mortgage

Executive Collection Rockwell

42

5/3/2

2,689

$330,810

PLUS

Dickson

43

4/3/2

2,554

$326,850

No deposit on eligible long-term rate locks****

Rockwell

45

4/3/2

2,689

$328,535

When financing through our affiliate lender, CalAtlantic Mortgage

Pemberton

167

4/3/2

2,976

$364,205

Pemberton

213

4/3/2

2,976

$353,520

Legacy Collection

For more info, please contact: Linda McLendon E-mail: Linda.McLendon@CalAtl.com | Phone: 704.726.1667

CalAtlanticHomes.com

Available only on the purchase of a quick move-in home in the Charlotte market which can close by December 29, 2017, when you sign a contract on or between September 1, 2017, and September 30, 2017. Receipt of up to $4500 toward closing costs credit is subject to limits and is contingent upon buyer making loan application with CalAtlantic Mortgage by October 7, 2017 and closing a loan by December 29, 2017 with our affiliated lender, CalAtlantic Mortgage or, where permitted by seller, another seller preferred lender. Receipt of up to $500 of the closing cost credit is subject to limits is contingent upon buyer using Costner Law, Purser and Glenn or Griffin, Brunson and Wood as the closing agent for the transaction. Any incentive tied to use of CalAtlantic Mortgage may not exceed 3% of sales price. The offer to pay closing costs does not include payment of prepaid taxes, property or mortgage insurance, or mortgage installments.The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which buyer qualifies. Buyer should ask his or her lender about the impact of such limits. Prices, plans and terms are effective on the date of publication and subject to change without notice.Appliance offer includes the following Whirlpool® products: 4.3-cu ft Top Load Washer – WTW5000DW, 7.0-cu ft Dryer WED5000DW, 25-cu ft Side-by Side Stainless Steel Refrigerator WRS325FDAM.Appliances available only through Seller.Approximate value: $2,500 (includes installation).Availability of models may vary by community. Whirlpool® is a registered mark of Whirlpool U.S.A., is not affiliated with Seller, and does not sponsor, endorse, approve or have any responsibility for this promotional offer. No cost appraisal and no deposits required for eligible long-term rate locks are offered by CalAtlantic Mortgage only for purchases of quick move-in homes pursuant to contracts written 9/1/2017 through 9/30/2017 and upon buyer making loan application with CalAtlantic Mortgage by October 13, 2017. Please see CalAtlantic Mortgage representative for more details. Depictions of homes or other features are artist conceptions. Hardscape, landscape and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary. This ad contains general information about a new home community in North Carolina and South Carolina it is not an offer or the solicitation of an offer for the purchase of a new home. This information is not directed to residents of any other state that requires registration or permit issuance prior to the publication of such information. CalAtlantic Mortgage, Inc., NMLS# 203897 holds a North Carolina Mortgage Lender license # L-155709 and branch licenses in Morrisville, NC, L-155709-105; Scottsdale, AZ L-155709-104: and two locations in Charlotte, NC L-155709-102 and L-155709-106. CalAtlantic Mortgage, Inc., NMLS# 203897 holds a South Carolina Mortgage Lender/Servicer license #MLS 203897; Charleston, SC MLB-1020765; Scottsdale, AZ MLB-767026; and two locations in Charlotte, NC MLB- 996700 and MLB-1588642. CACLT345

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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|real estate news

what’s new? compiled by Whitney Berongi

TAYLOR MORRISON HIRES JEFF LEAR AS VP OF PURCHASING FOR CHARLOTTE DIVISION National homebuilder and developer Taylor Morrison has named Jeff Lear vice president of purchasing for its Charlotte division, where he will oversee the procurement of materials and labor for its communities in the region. Lear is an industry veteran who spent more than 18 years working at PulteGroup, one of the nation’s largest homebuilders. Most recently, Lear served as division director of operations for PulteGroup in St. Louis. Prior to that he held various high-level procurement and purchasing roles with the company in Chicago.

In his new role at Taylor Morrison, Lear will work to ensure that the Charlotte division continues to deliver high-quality new homes and upgrade options at the forefront of market trends.

WEICHERT, REALTORS - REBHAN & ASSOCIATES WELCOMES NEW TEAM MEMBERS Weichert, Realtors - Rebhan & Associates recently announced that Selam Eshetu, Ashton Binkley, Samantha Hannah and Tiana McKinney have joined its team. The new Weichert affiliated agents will be assisting home buyers and sellers in the greater Charlotte area with all of their real estate needs.

Weichert, Realtors - Rebhan & Associates offers a complete menu of real estate services including a fully staffed Relocation, Property Management, REO and Short Sale division, as well as its Senior Preferred Services Division. For more information about Weichert, Realtors - Rebhan & Associates, located at 6000 Fairview Road, Suite 104, in Charlotte, contact Kathleen Rebhan at 704553-7777 or visit weichertrebhan.com.

M/I HOMES OPENS NEW PHASE IN BLUME COMMUNITY IN HARRISBURG M/I Homes is expanding its popular Blume community in Harrisburg with a new phase called The Irises. Prices begin in the mid $300,000s, with 38 homesites available.

The community features generously sized, two-story home plans from M/I’s Courtyard Collection. Homebuyers can

choose among five different home plans with up to six bedrooms and up to four bathrooms, including some with the master suite on the main floor. Plans range from 2,400 square feet to more than 4,000 square feet. Hardwood floors flow through much of the main level in these open layouts. Kitchen options include stainless steel appliances, a kitchen island, and extra counter and cabinet space. Exteriors are brick with stone and HardiePlank accents. Find out more by calling 704-286-6498 or visiting mihomes.com/blume.

DAVID WEEKLEY HOMES TO HOST DOG WASH EVENTS David Weekley Homes will host two dog wash and adoption events in Charlotte-area communities to benefit local charities. Visitors and their dogs are invited to stop by the model homes in Massey or Parkside at Skybrook North between 1-4 p.m. on Saturday, Sept. 23, for dog baths, treats, to meet adoptable rescue pets and tour Weekley’s model homes. A minimum donation of $5 per dog wash is appreciated, and proceeds will benefit Halfway There Rescue and Catering to Cats and Dogs.

Situated on a 70-foot homesite, Massey’s model home, The Daughtrey, features five bedrooms and 4.1 bathrooms. The fully-furnished home is located at 1994 Felts Parkway in Fort Mill. Located in Huntersville, the Skybrook at Park North model home, The Salvadore, is at 10409 Ambercrest Court. This home showcases five bedrooms and four full bathrooms on an 85-foot homesite.

Same-day adoptions won’t be available without pre-approval from the respective charities. Visitors interested in adopting a rescue pet should email Kaily Ransom at kransom@dwhomes.com to complete the approval process prior to the event.

For more information about David Weekley Homes in Charlotte, call 800-3939968.

Email real estate news to homedesign@charlotteobserver.com.

home|design Section published by The Charlotte Observer • P.O. Box 32188, Charlotte, NC 28232.

Editorial material in this section is the responsibility of the Observer Content Studio, 704-358-5305.

It did not involve the news staff of The Observer.

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Coordinator/Designer

Christina Darnell

Melissa Kennelly

For Agent info contact

For New Home Builder info contact

Buck Brice at bbrice@charlotteobserver.com

Suzanne Parker at sparker@charlotteobserver.com

Director Digital Sales & Strategy Beautiful color change!

$

Editor

Phyllis Weber, 704-358-5345

Is there a neighborhood you’d like to see featured?

Do you know of a new design trend on the rise?

Did you use one of our ideas for your own home or home purchase?

We’d love to hear from you. homedesign@charlotteobserver.com

facebook.com/TheCharlotteObserverHomeDesign *Copyright 2017 by The Charlotte Observer. All rights reserved. No part of this publication may be reproduced or reprinted without written permission.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

homes.charlo+e.com

Low-Maintenance, Ranch Homes Ready Now Complete with Beautiful Private Courtyards Huntersville | 704-576-0556

Stallings | 704-635-5082

Huntersville | 704-439-7023

Portico Bonus Suite 9-10419 Passau Path Drive $422,920 3 br, 3 bth, den, Bonus Suite, private courtyard, screened porch off owner’s suite Available October

Palazzo Bonus Suite 1-7905 Parknoll Drive $375,790 3 br, 3 bth, private garden courtyard, sitting room off owner’s suite, Bonus Suite Available November

Portico w/ Lower Level 61-1323 Garden Vista Drive $465,885 Walk-out lower level, deck, 3 br, 3 bth, sitting room off of owner’s suite, den Available Now

Portico 12-10407 Passau Path Drive $386,380 2 br, 2 bth, den, private garden courtyard, screened porch off owner’s suite Available October

Promenade 5-7921 Parknoll Drive $438,885 2 br, 2 bth, 4-seasons rm, sitting room off owner’s suite, private courtyard Available Now

Portico w/ unfin Lower Level 63-1315 Garden Vista Drive $454,120 Deck, 2 br, 2 bth, screened porch off of owner’s suite, den, unfinished lower level Available Now

Promenade Bonus Suite 56-9211 Edelweiss Lane $459,050 3 br, 3 bth, 4-seasons rm, Bonus Suite, private courtyard, covered porch off owner’s suite Available October

Palazzo 37-14937 Dewpoint Place $364,800 2 br, 2 bth, 4-seasons rm, sitting room off owner’s suite, private courtyard Available November

Portico w/ Lower Level 64-1311 Garden Vista Drive $485,135 Walk-out lower level w/ basement kitchenette, deck, 2 br, 2 bth, screened porch off of owner’s suite, den Available Now

The Courtyards on Lake Norman Cornelius | 704-685-0818

Palazzo Bonus Suite 39-17009 Courtside Landing Drive $454,515 3 br, 3 bth, Bonus Suite, 4-seasons rm, private courtyard, screened porch off owner’s suite Available Now Promenade Bonus Suite 50-15016 Courtside Cove Lane $584,315 & Lower Level Available Now

Portico w/ Lower Level 48-8234 Parknoll Drive $454,512 3 br, 3 bth, deck, walk-out lower level, den, screened porch Available Now

The Courtyards of Marvin Marvin | 704-635-5082

Promenade with Bonus Suite & Walk-Out Lower Level 31-1239 Restoration Drive $599,900 4 br, 4 bth, upstairs Bonus Suite, walk-out lower level, deck, sitting room off owner’s suite Available Now

Change your life today.

Locate your dream home at www.myepconhome.com/charlotte

Copyright 2017 Epcon Communities, Franchising, Inc.

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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|living in Lake Norman

DID YOU KNOW? Recent statistics show that more than 50 percent of homebuyers looking to buy in Lake Norman during the summer months come from out of state.

From luxury to rustic, Lake Norman has it all

by Julie Cooper

EAT North Harbor Club This upscale restaurant in the Davidson Creek area offers the best “dock and dine” experience around with nine complimentary slips, a generous waterfront patio with inviting sunny yellow umbrellas and crave-worthy steaks and seafood.

northharborclub.com

PLAY My Aloha Paddle and Surf, Inc. Get your “Aloha Flow” on during a standup paddleboard (SUP) yoga class on Lake Norman at this Cornelius waterfront company offering lessons, rentals, fitness classes and more.

standuplkn.com

EXPLORE Jetton Park Located in Cornelius, this 104acre waterfront park is a great place to spend the day making castles in the sandy beach area, perusing the paved trails and enjoying a nice picnic while watching the boats pass by.

mecknc.gov

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C

harlotte’s laid-back northern suburbs beckon with a breathtaking waterfront magic all their own. Luring those from across town, out of state and even around the world with an almost magnetic pull from Lake Norman—the largest manmade body of fresh water in North Carolina—this highly sought after area provides the ultimate escape from the hustle and bustle of daily life.

“People are attracted to Lake Norman for the lifestyle,” says Julie Cash with J. Cash Real Estate, who relocated to Mooresville from Winston-Salem in 2012 and hasn’t looked back. “It’s like living a vacation at home with all of the year-round activities, vibrant towns and friendly people. I just love living here.”

Unsurprisingly, that sentiment rings true for a lot of residents. “People love the lifestyle Lake Norman offers along with its great proximity to Charlotte and our international airport,” says Jessica Simpson with Ivester Jackson Distinctive Properties. “This area is attracting buyers from all over the country and even the world.”

Spanning four counties and nearly a dozen townships along more than 500 miles of shoreline, even the most discerning buyers are sure to find their dream home in Lake Norman.

“There is absolutely an area for every type of buyer,” says Simpson. “From large planned country club communities such as The Point, to neighborhoods large and small and more rural areas—whatever you desire, Lake Norman has it.”

For instance, according to Cash, Denver is the place to be for a “rustic, off-the-beaten-path setting,” Davidson is a hot area thanks to its charming, walkable downtown and Iredell County is a hit for those looking for a high-performing school system and lower taxes. But, if the buyer is a “9-to-5 in Charlotte,” she advises looking at Cornelius and Huntersville for an easier commute.

However, if waterfront living is at the top of the list, choices range from condos to new developments, fixeruppers and teardowns. “I’m finding that a lot of my clients are looking to buy on the lake,” says Cash. “They’re exploring their options, whether teardowns or large-scale renovations, just to be on the water, and they’re not settling for outdated homes.”

“Sisters Cove is a new lakefront neighborhood in Mooresville that’s doing well,” adds Reed Jackson with Ivester Jackson Distinctive Properties. “Homes can be built with private

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

docks, there are lakeside walking paths and every home in the community has a water view.”

Of course, one doesn’t have to live on the water to enjoy it. There are a number of ways to enjoy this beautiful lake, from waterfront parks to golf courses, boating to fishing and lakeside restaurants. “The Blue Parrot Grill is a great spot to unwind after a hectic week and then, Port City in Cornelius is always nice,” says Cash. “And we also have all kinds of fitness classes, paddleboard classes and even yoga on the lake—I’m very interested in trying that!”

With its laid-back vibe, charming towns and picture-perfect setting, the numbers have it—life is better at the lake. “The real estate market has been strong all around the lake,” says Jackson. “We’ve recently had an uptick in homes going under contract for more than $2 million in The Point, the Cornelius area has been strong all year in all price segments and Davidson and the West Shore have both been very active in the $500,000 to nearly $1 million range.

From being out on the lake, walking Jetton Park and Saturday mornings at the Davidson Farmers’ Market, the lifestyle here can’t be beat.”

homes.charlo+e.com

Lake Homes Realty LakeHomes.com

LAKE HOMES REALTY is pleased to announce ERICA WILSON-VAUGHAN as YOUR Lake Norman expert!

WANT YOUR LAKE HOME TO BE EASILY FOUND ONLINE??

LakeHomes.com is the easiest way for Buyers to Find YOUR Lake Home in the sea of Online listings!

Call us today and we can show you the stats to prove it!!

ERICA WILSON VAUGHAN BROKER AT LAKE HOMES REALTY 704-467-6673 ERICA@ERICAVAUGHAN.COM WWW.ERICAVAUGHAN.COM 628 Lakeview Shores Loop, Mooresville, NC 28117 Price: $2,200,000 MLS: 3228828 Listing Agent: Erica Wilson Vaughan, Lake Homes Realty, 704-467-6673, erica@ericavaughan.com This exquisite waterfront home is poised on 300 feet of Lake Norman shoreline. The expansive estate boasts breathtaking rooms and incredible views. The bright and open floor plan hosts fine finishes that create a soothing aesthetic conducive to both grand entertaining and casual gatherings. Features include impressive walls of windows and glass doors that lure you out to the sparkling waters in multiple outdoor living spaces, a posh master retreat, kitchens on all three floors, a home theater, four-car garage, wine cellar and more.

NEW PRICE $2,200,000 Lake Norman ~ Mooresville

300ft of Shoreline | MLS# 3228828 | 628 Lakeview Shores Loop | 4BD, 5.5BA | 8,300SQFT NEW PRICE $2,600,000 Mediterranean ~ The Peninsula

STUNNING VIEWS | MLS# 3251693 | 18432 Harbor Light Blvd | 6BD, 5.5BA | 8,494 SQFT $379,900 River Hills ~ Lake Wylie

Golf Course Views | MLS# 3306404 | 10 Timberidge Ct | Clover, SC | 4BD, 3BA | 2,580 SQFT homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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|living in Lake Norman 186 Mayfair Road, Mooresville, NC 28117 Price: $882,000 MLS: 3290801 Listing Agent: Patti Betts, J Cash Real Estate, 704-798-5959, pattibetts@ jcashrealestate.com This amazing five-bed, six-bath home sits on a private, partially treed lot. Features include a huge front porch, great room with coffered ceiling and stone fireplace and a chef’s kitchen with stainless steel appliances and an island. Enjoy the separate reading room off the owner’s suite, a giant walk-in closet and soaking tub. Have some fun on the expansive back patio, complete with fireplace and built-in barbecue. Take a stroll on the walking trail just behind the home or play at the lake for the day.

117 Windy Knoll Lane, Mooresville, NC 28117 Price: $439,000 MLS: 3318310 Listing Agent: Julie Cash, J. Cash Real Estate, 704-799-5407, juliecash@ jcashrealestate.com This updated home includes a deeded boat slip in The Harbour at The Point.

Features include modern neutral finishes, new hardwoods, carpet, new kitchen/ bath/lighting/fixture updates, a main-level office, kitchen with an island and a great room with a fireplace. The screened porch overlooks the private backyard. This stunning renovation is in a prime location in one of the most desirable waterfront communities on Lake Norman.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

homes.charlo+e.com

The Point 171 Easton Drive · Waterfront

Featured Listing · The Point

LUXURY LIVING ON

BEGINS WITH J.CASH REAL ESTATE

The Point 167 Vineyard Drive · Waterfront

Living On

The Point 105 Brownstone Drive Drive · Deeded Boat Slip 167 Vineyard · Mooresville

LAKE NORMAN BEGINS WITH J.CASH REAL ESTATE When you live at The Point, you are on a permanent vacation. The country club lifestyle and the many amenities offer year-around enjoyment to residents of every age.

Many homes offer water views, while others are nestled along the golf course. Just north of Charlotte and minutes from I-77, The Point is one of Lake Norman’s most popular lakefront communities.

The Point 144 Old Post Road · Deeded Boat Slip

The Point 138 White Horse Drive · Waterfront

The Point 109 N. Longfellow Lane · Deeded Boat Slip

JULIE CASH

Proudly Representing Fine Homes In The Lake Norman Region

Managing Broker 704.799.5407

J. Cash Real Estate · The Hatler House on The Point · www.JCashRealEstate.Com Corner of Brawley School Road and Chuckwood Road, Mooresville, North Carolina 28117

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

J CASH R E A L

E S T A T E

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Harbor Realty Inc.

TERRIE HAYES

Ranked #1 in Cornelius Condo Volume for 2016!

RECENTLY REDUCED IN POPULAR SCHOONER BAY

REDUCED TO $304,900 ~ END UNIT with 180 DEGREE WATER VIEWS MLS# 3300986 | Ground Floor | 3BD, 2BA | 18840 Nautical Drive, Unit #55 Cornelius, NC

RARE WATERFRONT TOWNHOME ON LAKE NORMAN

REDUCED TO $440,000 ~ SUNSET VIEWS ~ AMENITIES GALORE MLS# 3301439 | 4BD, 3BA, 1,676 SQFT | $440K | 18724 Nautical Drive Unit #3, Cornelius, NC

UNDER CONTRACT

UNDER CONTRACT

MLS# 3315992 | 3BD, 2.5BA, 1,836SQFT | $497K 18716 Nautical Drive Unit #6, Cornelius, NC

MLS# 3311326 | 2BD, 2BA, 1,075SQFT | $189K 18736 Nautical Drive Unit #106, Cornelius, NC

18840 Nautical Drive Unit 55, Cornelius, NC, 28031 Price: $304,900 MLS: 3300986 Listing Agent: Terrie Hayes, Harbor Realty, 704-953-8844, harbor4sale@att.net This ground floor end unit is perfectly situated inside the highly sought after Schooner Bay. Boasting an unparalleled 180-degree water view, this three-bedroom, two-bathroom, 1,362-square-foot condo is just what you’re looking for. Features include new kitchen cabinets, neutral paint colors throughout and a fireplace with gas logs. Enjoy the amenities with a pool, clubhouse, sauna and boat slips available for purchase.

TERRIE HAYES Broker / Owner

Harbor Realty Inc.

704.953.8844 Harbor4Sale@att.net | www.Harbor4Sale.com | 707 Peninsula Dr, Davidson, NC 28036

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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living in Lake Norman| 132 Chasestone Lane, Mooresville, NC 28117 Price: $2,246,750 MLS: 3296345 Listing Agent: Monica Besecker, Keller Williams Realty Mooresville, 704-724-6726, monicabesecker@kw.com Surrounded by water, this impressive Lake Norman waterfront home boasts views of three counties with 630 feet of rip-rap shoreline. Designed to spotlight views throughout this open floor plan, its other features include wood flooring, shiplap walls, clear cedar ceilings, main-level master and in-law suites, two upper level bedrooms with water views, a large bonus room with a balcony, a captain’s watch room, six-car garage and a kitchen with a large island that opens to the great room.

Enjoy a second kitchen on the covered dock with a slip and lift.

Monica Besecker Besecker Homes Team

704.724.6726 MonicaBesecker@KW.com

www.MonicaBesecker.com

123 MOORS END | MLS 3276072

131 WINDY KNOLL LN | MLS 3288954

108 WILDIRIS DR | MLS 3301586

111 JIB LANE | MLS 3319075

3 level Waterfront | The Point

Basement with Slip | The Harbour at the Pointe

Deeded Boat Slip | The Harbour at the Pointe

Lake Access | Fernbrook

128 WILD HARBOR RD | MLS 3266928

3754 MILL RUN | MLS 3280255

119 SUNSET BAY DR | MLS 3301875

198 RIVERWOOD RD | MLS 3286530

Basement Home with Slip | The Point

Waterfront | 2 Story/Basement

Nearby LKN State Park| Sunset Bay

Front Lakeviews | 5 BR home

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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|living in Lake Norman 839 Hudson Place, Davidson, NC 28036 Price: $1,299,000 MLS: 3313598 Listing Agent: Lori Ivester, Ivester Jackson Distinctive Properties 704-996-5686, lori@ ivesterjackson.com This stunning Artisan Custom Homes new build hosts more than 4,400 heated square feet of custom features with six bedrooms and four baths. Features include a barrel vault foyer ceiling with wood inlay, custom doors to the walk-in pantry and brick floor drop zone, a gourmet chef’s kitchen with Thermador appliances, gorgeous granite counters throughout, an elegant dining area with custom lighting and vaulted ceiling and a stone paver patio with fireplace— great for outdoor entertaining.

7509 Webbs Chapel Cove Court, Denver, NC 28037 Price: $799,000 MLS: 3285937 Listing Agent: Susan Dolan, Ivester Jackson Distinctive Properties, 704-5607201, susand@ivesterjackson.com This private executive home is nestled on 2.5+ acres with more than 100 feet of water frontage. The dramatic entry boasts a grand staircase, and the two-story great room hosts a fireplace and custom built-ins.

The gourmet kitchen offers a large center island, gas range, built-in fridge and large breakfast area. The master suite is the entire right wing of the home with a walkthrough shower, custom closet and sitting area. The bonus room and four secondary bedrooms are on the second level. No dock allowed.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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living in Lake Norman| 19125 Peninsula Point Drive, Cornelius, NC 28031 Price: $3,899,900 MLS: 3031440 Listing Agent: Reed Jackson, Ivester Jackson Distinctive Properties, 704-7133623, reed@ivesterjackson.com This remodeled transitional Simonini Estate boasts panoramic views of Lake Norman’s main channel and the Blue Ridge foothills beyond. Features include a stunning 30foot great room with palladium windows and a travertine stone hearth, a gourmet kitchen with an eight-burner gas Wolf stove and dual SubZero refrigerators, a spacious owners retreat with a Roman shower and a lake level with a sunken wet bar, plus theater and billiards rooms. Enjoy the lakeside fitness room with a sauna and steam room. Outside, relax by the resort style saltwater pool and spa with a kitchen and stone fireplace.

114 N Longfellow Lane, Mooresville, NC 28117 Price: $1,985,000 MLS: 3310056 Listing Agents: Doris Nash, 704-2013786, doris@ivesterjackson.com; Jessica Simpson, 704-787-3330, jessica@ ivesterjackson.com; Ivester Jackson Distinctive Properties This charming European-style home is located on a beautiful waterfront lot with its own private pier. Features include a four-car garage, front sitting porch, an open floor plan, huge kitchen with a double island, two-story great room with limestone-surround fireplace, main-level master with in-wall fireplaces and huge double closets and an upper level with two bedrooms, a built-in study area, bonus room, study/office and professional “Mr. Steam” Turkish steam room. The lake level hosts a theater room, bar, fireplace, guest suite and office.

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|design trends

window shopping From patterns and textures to materials and hardware, designers share their secrets for choosing the perfect window treatments

by Taylor Arnold

Photo courtesy of Lauren Clement

W

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hether you’re looking to refresh your current decor or you’re starting from scratch, the right window treatments can transform a room.

From drapes to shutters to shades, there’s no shortage of options. To help select the best window treatment, our designers are sharing some basic parameters for choosing the ideal size, shape and style for your space.

“The first thing you always have to address is function,” says Traci Zeller, owner of Traci Zeller Designs.

“What do you need these window treatments to do?

Do they just add softness, filter the light, or block out the light completely? Consider the look you’re trying to achieve. Consider the shape of the window, how much space you have above or on each side and the width of the panels, because this affects what type of window treatment will fit.”

Also keep in mind that every window is different.

“Have them custom measured, and figure out what your best option is,” says Lauren Clement, owner of Lauren Nicole Designs. “You don’t want to buy anything fabric-wise that doesn’t work, because it’s not inexpensive. It’s better to be calculated about it the

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Photo courtesy of Tracie Zeller / Photographer Justin Peck

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first time.”

Next, you’ll need to determine what colors, patterns or textures you favor.

“People are still going for that linen look, and geometric patterns are still holding strong,” Clement says. “We’ve seen a huge resurgence in bold floral patterns. Like everything, there’s always a time and a place so they’re not for everybody—but a lot of these big blooming florals are coming back in a modern way, and they can add a playful element to a space.”

With any intricate pattern you’ll generally have a lot of colors, so you can easily create your palette for the room based on that one fabric. “If the fabric is pleated or a roman shade, it can give you depth and movement instead of pattern, pattern, pattern,” Zeller says. “If you have a husband who maybe doesn’t want a whole chair or tons of pillows covered in floral, the drapes aren’t shouting at you. Instead you get this pretty movement and sense of color.”

If you’re looking for a simple or inexpensive way to punch up your existing curtains or shades, there are a number of ways to

do this, too. “If you have something solid, add decorative tape. This is a fun way to give it a custom feel,” Clement says. “If you like your fabric, you can also change out the hardware since there are lots of options with metallic finishes.” And while many ready-made drapery panels come with a rod, Zeller suggests swapping this piece out.

“Use drapery hooks or rings and give them a pleated look,” she says. “This makes them look a lot more expensive.”

If your style is a bit more on the unconventional side, however, you don’t need to be limited to traditional drapes. “I’m seeing people opt for lightweight materials or even a mesh screen shade,” Clement says. “With those you can do a roller shade that can visually go away and offer more blackout capability. Lightweight, natural linen products work best on the main level in a laundry room or kitchen where you want some privacy but don’t want to block out all the light.

Stylistically, those give a nice casual feel, while still letting sun in.”

Screen shades are another great alternative because they can be tucked under a

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Photo courtesy of Lauren Clement

valance without distracting from your view. “More people are moving away from plantation shutters, because you really can’t get your view unless the panels are open,” Clement adds. “People are realizing they’re more obtrusive and heavy. I’m taking them off quite a bit. If we’re starting from scratch, they’re typically not a popular option.”

While oversized or oddly shaped windows can be a challenge to address, there are plenty of solutions. “If there’s an arch, I love framing it and calling attention to the curvature,” Clement says.

“If you’re trying to cover it, your options are more limited. It could be you have to do a shaped shade.

Layering shades and draperies is great if you need the coverage. Big windows require more from a window treatment, so sometimes less is more.”

In the world of window treatments, most designers will agree they add an element to your design that nothing else can. “It takes a very specific type of architecture and a very specific type of home to not need window treatments,” Zeller says.

“Window treatments are like your jewelry,” Clement adds. “You have a statement piece, a little black dress, and what a window treatment can do is really tie a space together.”

Chestnut at Blowing Rock 364 Chestnut Drive Blowing Rock, North Carolina 28605

chestnutatblowingrock.com Ashley Hutchens and Jerry Hutchens 828.964.5438 ashley.hutchens@premiersir.com jerry.hutchens@premiersir.com

LOCATED ON THE BLUE RIDGE Parkway atop the Eastern Continental Divide, in the idyllic village of Blowing Rock, North Carolina, awaits Chestnut at Blowing Rock – a private enclave of 23 single-story luxury residences surrounded by lush natural scenery, unmatched views and modern conveniences. Redefining luxury living, Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas of Moses Cone Memorial Park and Grandfather Mountain State Park. The quaint and charming shops and restaurants of Main Street are minutes from your doorstep. Discover elegant living in a casual setting at Chestnut at Blowing Rock.

UNMATCHED VIEWS. UNPARALLELED LIFESTYLE. Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas.

Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated.

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Photo courtesy of Tracie Zeller / Photographer Justin Peck

Choosing the right hardware for your window treatments

Come and celebrate the

Grand Opening of Carolina Orchards’ new Amenity Center!

LAUREN CLEMENT’S TOP TIPS: 1. Bigger is Better! Measure your space above the windows first, and then if it will fit, challenge yourself to choose a 2-inch diameter pole—or even 2.5-inch. Your finials or end caps will be larger and to scale, which provides more interest and allows your hardware to make more of a statement.

2. Bring the Bling! Finials and end caps are a great way to add jewelry to your windows. A hot trend is Lucite—it’s the perfect amount of bling paired with a more classic metal pole for a nice balance.

3. Material Matters. Consider what else is in the room. If you have a lot of wood pieces, think about selecting metal hardware for balance and lightening up the space. If your space needs to be cozier, look at a larger wood pole. Balancing materials in a room is key.

TRACI ZELLER’S TOP TIPS: 1. Leave Room for the Stackback. Make sure the rod you order is long enough to have room for the “stackback” (the drapery when it is pleated down to the sides of the window). I prefer to mount my drapery right underneath any crown molding and outside the window casings. You want to leave enough room for the “stackback” to fall completely outside the window itself so as not to block natural light.

2. Think Outside the Box. Even off-the-shelf rod pocket panels can be hung with drapery pins and rings; it instantly upgrades the look!

3. Make it Sturdy. Consider the weight of the window treatment before choosing your hardware. Especially if the drapery panels are functional, they can get heavy. You may need to use additional support brackets or a sturdier rod.

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SATURDAY, OCTOBER 7TH | 11AM – 1PM

11–Noon: Swing Dancing Demo on Back Patio

Join us for Guided Tours of the Carolina Orchards Amenity Center • Live Music • Food • And More!

11–Noon: Pickleball Clinic 11–1pm: Club n' Grub/ Vendor Fair 11–1pm: Bocce Ball Tournament

CAROLINA ORCHARDS Can’t make it that weekend?: Join us Oct 14 & 15 for your personalized tour.

RSVP to 803.228.6230 • DelWebb.com/CarolinaOrchards *At least one resident must be 55 years of age or older, no one under 19 (18 in certain communities) in permanent residence, and additional restrictions apply. Some residents may be younger than 55. Lot tours are subject to terms, conditions and rules as Del Webb may establish. Prices shown are estimated base prices, do not include lot premiums or options and are subject to change without notice. Home photograph depicts a model containing features or designs that may not be available on all homes or that may be available for an additional cost. The photos are not an actual representation of a particular feature or amenity available at this community. Some programs and amenities may also require payment of additional fees. Community Association fees required. Del Webb reserves the right to make changes to floor plans or options offered at any time without notice. See sales associate for complete details. This material shall not constitute a valid offer in any state where prior registration is required or if void by law. ©2017 Pulte Home Corporation. All rights reserved.

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|straight talk

buyers’ prep If you’re a homebuyer in Charlotte’s sellers’ market, be ready to play ball

by Allen Norwood

T

he Charlotte area’s booming real estate market has pushed inventory down and average prices up. But the sale price isn’t the only thing negotiated. Sellers often are asked to help with buyers’ closing costs and, of course, might be asked to make repairs or improvements after the home inspection.

Have sellers, who are in control in this market, slammed their wallets shut?

Not entirely—but they are getting stingier, says veteran agent Keith Stewart, who’s with Berkshire Hathaway HomeServices Carolinas in Ballantyne. “Our inventory problem has affected sellers.

They’re less negotiable on all things.”

How stingy depends on the price range and type of request.

Here’s a quick glimpse at that inventory problem.

A six-month supply of homes is generally considered balanced between buyers and sellers. According to the August report from Carolina Multiple Listing Ser-

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vices, the entire region has a 2.6-month supply. The supply in Charlotte and Mecklenburg County is less than two months. Homes in the city are selling for more than 98 percent of asking price.

That’s a tough market to crack, and Stewart says some first-time buyers are still getting help with closing costs when purchasing the most affordable homes.

The reason is pretty simple: They must have that help. Without it many cashstrapped first-time buyers can’t buy, and, of course, the seller can’t sell.

Those buying move-up homes priced at, say, $400,000 or more don’t ask for help. They don’t need it.

Repairs and improvements after the inspection? Well... “Those sellers are more likely to play hardball,” says Stewart, a 23-year real estate veteran. “I tell my buyers, ‘Don’t get too frisky. Don’t ask for the moon. They will say no.’”

Stewart recommends that his buyers negotiate an allowance in this tight mar-

ket instead of arguing about specifics.

“I tell buyers, ‘You haven’t asked for closing costs up front. We’ve had the inspection.’ Now I go to the seller and say, ‘Mr. Seller, give me $3,000 in lieu of any and all repairs.’

“Mr. Seller might say, ‘I’ll give you $2,000.’

“I go back to my buyer and say, ‘You might want to do that. There is a buyer right behind you who’ll take this deal.’”

For most conventional loans, Stewart says, lenders aren’t sticklers that repairs be made. That’s up to the seller. Sellers typically will fix the most glaring problems, though, and turn down requests to make cosmetic upgrades.

The seller, with the help of his listing agent, probably handled some improvements before the house went on the market. Painted the front door, perhaps, and cleaned the carpets. Eliminated clutter, for sure.

If the inspection shows water in the

crawlspace? “(Sellers) don’t have to repair it, but I tell my sellers it’s the prudent thing to do. If those kinds of things are revealed on inspection, it’s hard for sellers to ignore.”

If the buyer doesn’t like the color of the walls in the great room?

Well, he can repaint it himself after he closes the deal.

The most competitive slice of the market, Stewart says, is from about $250,000 to $400,000. There’s more inventory above that range, but buying in that sweet spot is what he calls a “wild goose chase.”

And when buyers get their hands on that elusive goose, they’d better be ready. “I ask them, ‘Are you ready to pay full price? If you find something you like, are you ready to buy it today?’”

If not, it will slip away.

Allen Norwood: homeinfo@charter.net

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|design inspiration

Destination Charlotte A Charlotte couple forgoes plans for a mountain home to create a vacation spot right in their own yard.

by Blake Miller | Photos by David Ramsey Photography

F

or Peter and Mary Beth Hollet, it was all about finding a vacation home. The couple had toyed with the idea of buying a North Carolina mountain getaway for several years until it dawned on them: why not create their own vacation right here at the house they love in Charlotte?

Situated on the golf course at Quail Hollow, the

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Hollets’ side yard boasted much more potential than what it was currently being utilized for: a pool and indoor/outdoor cabana. “We knew all along that we could do so much more with the side yard than what we had in place,” says Peter.

The Hollets approached architect Chris Byers of the

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DILWORTH OPEN HOUSE THIS SATURDAY 1-3PM WALK TO FREEDOM PARK 1705 Lombardy Circle. 3br, 2.5 ba, 1,830 sq ft, 2 story.

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RBA Group Architecture & Interiors to help design an outdoor living space and adjacent pool house that met their needs—a 25-yard lap pool for Peter, competitive swimmer, to train; a heated and air conditioned dwelling that the couple could use for creating their artwork as well as to entertain; and an outdoor area to serve as a place to relax as well as have friends over to enjoy.

To put the design into motion and bring it to fruition rested in the hands

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of project manager Brian Storm of the general contractor firm, Andrew Roby.

“The key was to make sure that the existing home and new construction fit seamlessly as though they were built at the same time,” says Storm. This proved to be a challenge as the home boasts modern architecture with many straight lines and angles, which are often more difficult to create exactly and precisely than a more traditional home with curves and molding.

Undeterred, Storm and his team

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309 Keswick Avenue. Renovated bungalow 1825 Truman Road. 4 bedrooms and 2.5 baths. in Lockwood on the north side. 20 blocks from Heart of Midwood on huge lot with 655 sqft“car guy” Center city. 3 bedrooms, 2 baths & large rear yard. garage. Like new 2 story craftsman built in 2013.

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N O SO G IN M CO

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tackled the project head-on and built what the Hollets say surpassed what they had envisioned for the space.

The two-story pool house is sleek and modern, a mirror image of the Hollets’ existing home. Reclaimed barn wood from Gastonia is featured on the stair treads while blonde wood lines the ceiling just as it does in the main home. The dwelling also features ample natural light, a result of the addition of several floor-to-ceiling windows including a trifold, which allows for a seamless indoor-outdoor

transition. An adjacent breezeway, which was added due to code restrictions, turned out to be a blessing in disguise as it provides a shady spot for relaxing and afternoon lunches and early evening dinners.

The Hollets could not be more pleased with how things turned out with their new “vacation” home. “We love our home and where we live so it made so much sense to stay here and create exactly what we were looking for,” says Peter. And that is exactly what they did.

These stunning, low-maintenance 40’ ranch style homes feature side courtyards that seamlessly blend indoor and outdoor space. Enjoy activities and relaxation in our Community Clubhouse, Swimming Pool, and Walking Trails.

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Photos courtesy of T.Botero Galleries / tbotero.com / Designed by Jack Fhillips Design

|design instyle

Box Moldings Tips for choosing artwork that shines within this elegant molding

by Vicki Payne

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T

raditional style is expressed in many ways. The most impressive is the use of wood moldings. Crown molding turns an ordinary room into one of elegance and style. Wider baseboards and door and window moldings take a home from builder’s standard to custom.

One of my favorite types of molding is box molding. These are the individual square or rectangular shapes created out of picture frame-style moldings applied to the walls that divide it into sections.

Most often, box molding is used in formal spaces such as the dining room, foyer and living room.

To keep the style traditional, I recommend painting the walls and moldings, especially the box molding, all the same color. I prefer white, but I’ve seen impressive rooms painted all black, red or navy.

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$18,000,000 Cindy Barnes Over in sales in 2016 (704) 367-7203

Fresh, bright SouthPark townhome w/2 BDRMS’s plus flexroom. Modern kitchen, pretty courtyard, spacious rooms throughout. 3522 Kylemore Court - MLS# 3313519 - $375,000

UNDER CONTRACT

Ronda Avenue MLS# 3264020 | $120,000

NEW PRICE Builder opportunity in popular Stonehaven!

Most homeowners of traditional homes love the look but find it challenging to display art. It’s virtually impossible to find artwork that fits evenly within the box frames. One solution is to have existing artwork reframed, but this can be expensive.

The easiest solution is to follow some simple rules. First, keep the wall space an equal distance on each of the vertical sides of the artwork. If your box molding is 18 inches wide, select artwork that fits inside the box and yields at least 3 inches on each vertical side of the picture frame. Any smaller distance will look like the artwork is crammed into the box molding dimensions.

Height doesn’t matter. When hanging art, you always follow the 57-inch rule regardless of the type of molding—that’s regarded as eye level.

If you are hanging a pair or group of pictures, the center of the arrangement should still be 57 inches. Keeping all your artwork at this central height creates harmony throughout

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your home.

The second rule is balance. If you are hanging large art, it is fine to let it span across two or three sections of box molding. The first rule still applies when you cross over multiple sections. The vertical space on the sides of the artwork remains equal distance from the box molding.

It is very impressive to fill each section of box molding with a collection of equal-sized pieces of art. It’s best to treat either one wall in this fashion or do all four walls. You never want to do just two walls because it makes the room look out of balance.

Box molding is classy. Treat it with respect. Honor it by selecting the right- sized artwork that will do it the justice it deserves.

Vicki Payne Donatelli is an interior designer, project coordinator and popular speaker for renovation and new construction projects. She is the host of the national PBS series, For Your Home.

Visit her blog at ForYourHome.com.

Updates galore in this SouthPark area beauty!

New kitchen, updated master bathroom, beautiful lot in swim/tennis neighborhood.

2721 Whiffletree Rd. - MLS# 3306533 - $375,000

Large lot, ideal for basement

Considering downsizing?

Overwhelmed?

If you need a place to start, call me for a practical, step-by-step approach.

HAND IT OVER Cindy.Barnes@allentate.com

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|home & garden

freshen up your landscape with fall flowers

by Nancy Brachey

C H A R L O T T E

home design - dedicated to showcasing distinctive homes all over the southeast OUT-OF-MARKET FEATURE

ASHEVILLE, NORTH CAROLINA SATURDAY, SEPTEMBER 30th 2017

C H A R L O T T E

home design - dedicated to showcasing distinctive homes all over the southeast -

Charlotte’s premier real estate publication viewed by 339,500 readers weekly!

Space Reservation: Wednesday, 9/27/17

Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com

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he season has surely turned to fall when pansies, violas and chrysanthemums show up in garden centers. It makes me so happy to see them—and clear away all thoughts of this summer’s heat and humidity.

The fresh look and lovely colors these plants bring are worth every bit of time and effort you put into them.

While a few summer plants such as begonias and impatiens remain good looking, they do not possess the seasonal significance of new fall flowers.

Plus, these fall flowers have staying power. Mums put into containers in place of summer flowers and given regular water should look good for many weeks. The pansies and violas will probably be with us until next May when they give way to summer annuals.

Pansies and their smaller-flowered cousins, violas, work well both in the ground and in containers. The choices in colors are huge and there is something for all tastes, from white and pastels to rich and vivid tones of orange,

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purple and red and even beautiful color combinations.

With a nice, mild, sunny winter, they should bloom fall to spring with just a bit of hesitation here and there.

Basically, pansies have larger, bolder blooms and violas have more numerous, smaller flowers, all atop good-looking green leaves. Both can go solo in a bed or container or used as an edging for a flowerbed. Pansies and violas look especially vibrant when mixed with a planting of daffodils or tulips in artful color combinations. Making these color choices is one of the delights of gardening.

Some gardeners may opt for pastels.

Others aim for the boldest possible look. Orange pansies are popular in fall because the color is seasonal, particularly when combined with burgundy.

How fall is that? Even so, I admire them still in spring, and they seem perfectly suited to create a bright spot. With yellow daffodils or purple tulips, this is dynamite and easy to accomplish.

Chrysanthemums are fall’s flower.

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Pansies put fresh, new life into a container

People tend to use them most often in large pots set on decks or patios or beside the front door.

At this stage, most are sold as wellbudded plants destined to unfold over days and weeks. However, close attention to watering the plants is essential, especially while it remains more warm than cool these days. If you have a

choice, give these plants cool, morning sun instead of hotter, afternoon sun.

Without water, a mum will wilt rapidly, shortening its beauty.

Check the pot daily while temperatures remain on the warm side. If you set the potted plant on a saucer or tray to catch water, drain it after rain so the plant does not sit in water a long time.

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November is a good time to plant them since the ground will be cooler and you will probably be caught up by then with lawn renewal and shrub planting.

Nancy Brachey: nbrachey@charlotteobserver.com

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MrrogersLifetimeGuarantee.com *up to 25% discount applied by retailer representative at time of contract execution and will vary based on number of windows and/or doors purchased. **0% financing available to well qualified buyers on approved credit only. not all customers may qualify. higher rates apply for customers with lower credit rating. Promotional offer and financing not valid with other offers, prior purchases or project estimates. interest accrues during the promotional period but all interest is waived if the purchase amount is paid in full within 12 months. renewal by Andersen retailers are independently owned and operated retailers, and are neither brokers nor lenders. Any finance terms advertised are estimates only, and all financing is provided by third party lenders unaffiliated with renewal by Andersen retailers, under terms and conditions arranged directly between the customer and such lender, all subject to credit requirements. renewal by Andersen retailers do not assist with, counsel or negotiate financing, other than providing customers and introduction to lenders interested in financing. “renewal by Andersen” and all other marks where denoted are marks of Andersen corporation. ©2017 Andersen corporation. All rights reserved.

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Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!

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Mountain Property for Sale

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Reader Notice - All Real Estate advertised herin is subject to the Federal Fair Housing Act which makes it illegal to indicate any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination.

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All persons are hereby informed that all dwelling advertised are available on an equal opportunity basis.

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Call Sun Homes (888) 275-5219 www.4meadowbrook.net Expires 9/28/17 •EHO

Lots for Sale Many Lots for mobile or modular homes. Some with well and septic. Low DP. EZ terms. Any Size. Bryant Realty 704-567-9836 www.bryantrealty.org

Mountain Property for Sale ASHE CO. 45 acrs. 37 acrs. in Timber, 8 acrs. in Pasture, stream thru property, nearby trout stream. Great view! $140,000. 336-385-6693, 336-620-2174

MOUNTAIN INVESTMENT 10 unit condo complex at Mt Mitchell Golf Club, (8) 2BR2BA (2) 3BR3BA, $120,000 gross yearly guaranteed.

Call Owner/Broker for viewing/ inspection 828 675-4923 $1,320,000

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Roommate Wanted

HOME TO SHARE Beaut Furn. Room.

Nice Location. TV/Cable, Internet.

Private BA. All included 704.756.7002 LOOKING FOR ROOMMATE In super nice neighborhood on Busline.

Call for more info: 704-890-1894 AUCTION-OCT. 21 10AM FANTASTIC FURNISHED HOME -8 ACRES/ PIEDMONT VIEWS, FANCY GAP, VA. OPEN HOUSE OCT.1, 2-4.

695 Morning Side Trail, Fancy Gap, Va. aldermanauction.com 276-236-3335 ALDERMAN AUCTION #VAAF794 EXCEPTIONAL MTN VALUE Almost three private acres with new 1,312 sf cabin near Lake Lure. Vaulted ceilings, fpl, hwd floors. Only $169,900 Call (828) 286-2981

Farms/Acreage 140 acres w/cabin includes 100 ac of long leaf pine adjoining to Sandhill Game Land off Derby Rd. $5000/ acre will not divide Call after 8pm 910-281-0302 FSBO, 1.2 acres, H2O, perk test, mowed easy to walk, surrounded by forest, 5 min’s to town, $15,700 financing available 704 535 4100 easy directions

FSBO Beech Mountain Lots $20,000$55,000. Estate Sale - 50 Beech Mountian Lots $750,000. Club Memberships Available. Call 843-651-4545

South Meck Free Rent to Oct 1 3BR/2 BA homes $1029 On Select Units $599 M oves You In ($400 Dep + $199 closing fee) No App Fee Incl all Appls + W/D Call 888.275.6141 www.4meadowbrook.net Expires 9/28/17 ∂ EHO

Lake Norman — Rent FABULOUS 3 BEDROOM 2.5 BATH HOME FOR RENT IN TANNERS CREEK COMMUNITY IN HUNTERSVILLE $1200/MTH 718-614-6804

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Apartments for Rent AFFORDABLE APARTMENTS 2 & 3 Bedrooms starting @ $ 695/mo.

Hardwoods, central air, appls, W/D hookup, ceiling fans, gas heat.

2814 Marlowe Ave. 704-393-8047

GARDENING. You want to know.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, SEPTEMBER 23, 2017

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Mortgage Guide Institution

30 yr APR

The Charlotte Observer

30 yr Fixed

Product

30yr Fixed APR

Points

Fees

% Down

APR

Phone Number / Website

Rate: 3.500

15 yr fixed

2.750

0.000

$885 20% 2.824

Points: 0.000

7/1 ARM

3.000

0.000

$885 20% 3.500

704-412-9131

Fees: $885

30 yr jumbo

3.875

0.000

$885 20% 3.907

www.mecklenburgmortgage.com

% Down: 20%

Free Prequalification Letters and Rate Quotes 7 days a week

3.552% Mecklenburg Mortgage

Rate

NMLS # / License #

NMLS #: 1190352 LIC# 161067

TO PARTICIPATE IN THIS FEATURE, CALL SALES DEPARTMENT @ 773-320-8492 Savings Update

Buying long-term CDs? Learn what smart CD shoppers look for

By Sabrina Karl For anyone wanting to sock away savings untouched for a few years, long-term CDs can be a smart move since they pay the highest guaranteed interest rates. But since these certificates keep your money locked up for a relatively long period (generally 4 to 7 years), some extra caution is required to make a smart CD choice.

years’ worth. Even worse, some charge a flat fee or percentage, leaving you at risk of losing some of your principal – a scenario to be avoided at all costs.

If you want to keep your options open to cash out early, either because you might need the money for something else or because the Fed has caused rates of new CDs to rise, you’ll want to stick to certificates with a penalty of 6 months of less. If instead you’re tempted by a CD with a chart-topping rate, but also a hefty early withdrawal penalty, you’ll want to avoid it unless you have very high confidence you can hold the certificate to maturity.

All CD banks and credit unions stipulate an “early withdrawal policy” in their terms, informing the saver before they open a certificate what penalty they’ll incur should they cash out before the CD matures. The penalty is generally a forfeiture of interest the bank would have paid you (it does not trigger any tax penalties Incurring an early withdrawal penalty is not itself a mistake. by the IRS).

Cashing out prematurely can be your best move for a number Savvy savers pay attention to the early withdrawal policy of reasons. The mistake is not knowing beforehand what a CD’s because the penalties vary widely. Some banks charge as little penalty will be, leaving you prone to a losing proposition. as 3 to 6 months’ interest, while others take back as much as 2

Rate Criteria: The rates and annual percentage rate (APR) are effective as of 9/19/17. All rates, fees and other information are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. The institutions appearing in this table pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $424,101. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insurance. The APR may increase after consummation and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or origination. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, call 773-320-8492.

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AT THIS MOMENT LIGHT ENHANCES DESIGN CH A RLOT T E , N O R T H CA RO LI N A 6: 2 3 P. M .

PREMIERSIR.COM/ID/3309933

704.248.0243

Contact us today for a consultation on how your home can be marketed in the Carolinas and around the world.

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Blowing Rock | 828.295.0776 Asheville | 828.277.3238

Charlotte | 704.248.0243

Linville Ridge | 828.898.5151

Banner Elk | 828.898.5022

Lake Norman | 704.727.4170

Uwharrie Lakes | 704.727.4170

Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated. Equal Housing Opportunity. Property information herein is derived from various sources including, but not limited to, county records and multiple listing services, and may include approximations. All information is deemed accurate.

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