Page 1

Owatonna Area

REAL ESTATE GUIDE

November 2012 This photo is for illustration only. This is not an actual listing.

Owatonna.com


November 2012

Page 2 Real Estate Guide

Bankof ofAmerica America Home Home Loans® Loans® guidance guidance Bank yourreal realestate estateprofessional professional ++your homebuying buyingmade made clear clear ==home

Rely on our experience and guidance to help you find the loan option that’s right for your financial Rely on our experience and guidance help you find the loan option right for your financial circumstances. Combined with yourtoreal estate professional’s localthat’s market knowledge, you may be able circumstances. Combined with your real estate professional’s local market knowledge, you may be able to go from home shopper to homeowner. to go from home shopper to homeowner. The first step is easy: We’ll be happy to review your goals and provide you with a prequalification that can The first step is how easy: We’llyou be can happy to review afford your goals and provide you with a prequalification information, you can thenthat can help determine much comfortably to borrow. With that help determine howreal much youprofessional can comfortably afford to borrow. Withforthat information, can then consult with your estate to find a home that’s right you. And when you apply, you’ll consult with your estate professional to find a home right for whenkey youterms apply,ofyou’ll benefit from ourreal exclusive Clarity Commitment® loanthat’s summary thatyou. will And highlight your loan benefit from our exclusive Clarity Commitment® loan summary that highlight key terms of your loan in easy-to-understand language. In the meantime, you may wish to will explore our valuable Home Loan in Guide, easy-to-understand language. In the meantime, you may wish explore ourthe valuable HomeGuide Loan which provides home financing tools and calculators. Youtocan access Home Loan Guide, which home financing tools and calculators. You can access the Home Loan Guide directly fromprovides our website. directly from our website. Add it up — the expertise of your local real estate professional, coupled with all that Bank of America Home has to offer, couldlocal be your for home buying success. Add it upLoans® — the expertise of your real formula estate professional, coupled with all that Bank of America Home Loans® has to offer, could be your formula for home buying success. To get started, or for the name of a local real estate professional, contact us today. To get started, or for the name of a local real estate professional, contact us today. Kristin Meier Mortgage Loan Officer Kristin MeierCell (507) 213-9797 (507) 446-1181 Office Mortgage Loan Officer 102(507) N. Cedar AvenueCell 213-9797 Owatonna, MN 55060 (507) 446-1181 Office

102 N. Cedar Avenue

Kristin.Meier@BankofA merica.com

Owatonna, MN 55060 http://mortgage.bankofamerica.com/kristinmeier

Mark Meier Mortgage Loan Officer Mark Meier (507) 363-0030 Cell (507) 446-0080 Office Mortgage Loan Officer 102 N. Cedar Avenue Cell (507) 363-0030 Owatonna, MN446-0080 55060 Office (507)

102 N. Cedar Avenue

Mark .Meier@BankofAmerica.com

Owatonna, MN 55060 http://mortgage.bankofameri ca.com/markmeier

Mark .Meier@BankofAmerica.com Mark.Meier@BankofAmerica.com Kristen.Meier@BankofAmerica.com Kr istin.Meier@BankofA merica.com http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofameri ca.com/markmeier The Clarity Commitment® summary is providedhttp://mortgage.bankofamerica.com/kristinmeier as a convenience, does not serve as a substitute for a borrower’s actual loan documents and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. NMLS 533156 NMLS 533094 The Clarity Commitment® summary is provided as a convenience, does not serve as a substitute for a borrower’s actual loan documents and is not a commitment to lend. ©2010 Bank of America Corporation ARV225F1 Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided.

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to©2010 lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America Corporation ARV225F1 Bank of America, N.A., Member FDIC. Equal Housing Lender. Protect recycling this document. Credityour and personal collateralinformation are subjectbefore to approval. Terms and conditions apply. This is not a commitment

to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC. Equal Housing Lender. Protect your personal information before recycling this document.


November 2012

Real Estate Guide Page 3

Owatonna Area

REAL ESTATE

INDEX Bank of America................................ 2 ERA Gillespie Real Estate................. 5,8 Federated Insurance Co. ................... 6 HomeTown Credit Union .................. 4 Owatonna Public Utilities .................. 7 Profinium Mortgage ......................... 4 Wells Federal Bank ............................ 3

Owatonna.com EQUAL HOUSING

OPPORTUNITY

EQUAL HOUSING OPPORTUNITY

GUIDE

The Owatonna Area Real Estate Guide is a monthly publication distributed in the Owatonna People’s Press and at select area locations in Owatonna. It is endorsed by the Owatonna Multiple Listing members. A special project of The Owatonna People’s Press 135 W. Pearl St., Owatonna, MN

507-451-2840 • Fax 507-444-2382

Publisher RON ENSLEY Advertising Director DEBBIE ENSLEY

email: densley@owatonna.com

Media Consultants BETTY FROST, LUKE BROWN, DIANE GENGLER, RACHEL EBBERS, DEB THEISEN Advertising Design JENINE KUBISTA, KELLY KUBISTA, PAUL RISTAU, SUE SCHUSTER All advertising contained herein is the responsibility of the advertisers.

The Owatonna Area Real Estate Guide retains the publication rights to all contents produced or supplied by the Owatonna Area Real Estate Guide. Use of material without written consent of Real Estate Guide is prohibited. All Rights Reserved © 2012

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


November 2012

Page 4 Real Estate Guide

We Do FHA Mortgages! Purchases

FHA • VA • Conventional

Refinances

Lower Your Rate Lower Your Payment Get Cash Out

Eric Miller, MLO# 642739 507-455-6735 Direct 507-456-8987 Cell emiller@hometowncu.coop

Your Trusted Partner for Financial Success

Serving those who live, work, worship or attend school in Dodge, Rice, Steele and Waseca Counties

www.hometowncu.coop

WANT A LOWER MORTGAGE PAYMENT? ACT NOW WHILE RATES ARE LOW! See the Profinium mortgage staff for an appointment to lower your payment or shorten your mortgage term!*

OWATONNA LOAN PRODUCTION OFFICE

328 North Cedar Ave.

507-444-0101

Equal Housing Lender

www.profinium.com Member FDIC *Qualifications may apply.

Jennifer Svien NMLS # 663481

Matt Walerius NMLS # 663358


November 2012

Real Estate Guide Page 5

Save Money… Save Time… Simplify Your Life

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

$375,000

$248,500

VISUAL TOUR #2871080

LOADED WITH UPSCALE AMENITIES AND UNEXPECTED SURPRISES! • 5 bedroom, 3 bath ranch overlooking wildlife pond & woods • Brazilian floors, fireplace, cherry cabinets, granite counters • Finished lower level with walk-out & wet bar • Huge extension to lower level with 1000 sq ft bonus space! MLS #4040018

NEW $173,900 PRICE

BRAND NEW, BRIGHT AND SPACIOUS TOWNHOME • South facing ranch style with open floor plan & 9’ ceilings • 3 bedrooms, 2 baths, main floor laundry • Extra deep attached 2 car garage • Handicap accessible - No steps! • Sodded, landscaped, sprinkler system & patio MLS #4039951

NEW $184,900 PRICE

VISUAL TOUR #2835419

A GREAT PLACE TO GROW KIDS! • Wooded lot behind provides beauty & privacy • Near school and walking path in Medford • Open floor plan with fabulous kitchen & dining • Sunken great room & walk-out lower level • 4 bedrooms, 3 baths, 3 car garage & more... MLS #4038970

$159,000

VISUAL TOUR #2870210

NEW $139,900 LISTING

EQUAL HOUSING

OPPORTUNITY

VISUAL TOUR #2685590

DO YOU LIKE THE “SPARKLE OF NEW”? • Design it to meet your needs! • 2 bedroom, 2 bath • Open floor plan with fireplace • Attached 2 car garage • Lots of nice amenities MLS #4034463

NEW $129,500 PRICE

NEW $174,900 PRICE

VISUAL TOUR #2801896

VISUAL TOUR #2795938

4 BEDROOM, 3 BATH RANCH GREAT NE LOCATION! • Main floor laundry • Master bath • Family room with fireplace • Deck and backyard pool • Newer roof & central air MLS #4038101

ACREAGE IN THE COUNTRY, MUST SEE TO APPRECIATE! • 3.56 acres, pasture land & barn • Fantastic condition inside & outside • 4 bedrooms, 3 baths, attached 2 car garage • Low maintenance native plant gardens • New roof, siding, doors, retaining wall & more... MLS #4037896

NEW $143,900 LISTING

VISUAL TOUR #2890014

4 BEDROOM, 2.5 BATH RANCH LOADED WITH EXTRAS! • Large lot and fenced backyard • Updated kitchen & main floor laundry • Newer windows and roof • Attached garage and carport • Big rooms, lots of storage & built-ins MLS #4040540

$125,000

$139,900

VISUAL TOUR #2794281

COSTLY IMPROVEMENTS...DONE!! • 4 bedroom, 2 bath, multi-level home • 2 car garage • Updates include roof, steel siding, windows, furnace • Newer driveway & garage door • Close to schools & churches MLS #4037815

NEW $119,000 LISTING

VISUAL TOUR #2897906

VISUAL TOUR #2852709

VISUAL TOUR #2852805

VISUAL TOUR #2889963

AFFORDABLE PRICE - LIKE NEW! • Fresh interior paint • New stainless steel kitchen appliances • Nice deck and 2 car garage • Easy to finish the lower level • Near school and walking path in Medford MLS #4040738

FILLED WITH SURPRISING AMENITIES!! • 3 bedrooms, 2.5 baths • Large master bedroom with master bath • Fantastic updated kitchen, main floor laundry • Dry basement, newer windows, updated electrical • Deck, permanent siding, newer landscaping & great curb appeal! MLS #4039407

MOVE-IN READY 3 BEDROOM RANCH IN NEW RICHLAND! • One owner home • Large living room with bow window • Formal dining room • Lower level family room with 2nd kitchen • Lower level bedroom with egress window • Steel siding, new roof MLS #4039438

UP-TO-DATE...NOTHING TO DO! • Completely remodeled • 3+ bedroom, 1.5 bath • New kitchen with stainless steel appliances • New 2 car garage • Main floor laundry & huge front porch MLS #4040538

$89,900

VISUAL TOUR #2859922

GREAT POTENTIAL! • Desirable main floor plan • 4 bedrooms, 1 bath • Breezeway, lots of storage • Future expansion in lower level • Fenced backyard MLS #4039708

NEW $79,900 LISTING

VISUAL TOUR #2892822

FANTASTIC RANCH POTENTIAL • 3 bedroom, 1 bath • Hardwood floors • Main floor laundry possibility • Backyard deck & patio • Desirable established SE neighborhood MLS #4040545

$79,000

VISUAL TOUR #2841952

SMALL TOWN BEAUTY WITH LOTS OF UPDATES! • Affordable home in New Richland • 3 bedrooms, 2 baths • Main floor laundry & huge kitchen • Two level deck with access to backyard from both floors • Newer roof, windows, siding • 2 car garage MLS #4039125

$55,000

VISUAL TOUR #2793683

HAS IMPROVEMENTS, NOW NEEDS A FEW MORE! • Steel roof, permanent siding & good windows • Preserved character • King sized rooms • 2 car garage • Nice backyard with mature trees MLS #4037801


November 2012

Page 6 Real Estate Guide

Minnesota’s best kept secret is out!

Federated Insurance Personal Lines offers quality homeowners, renters, auto, and personal umbrella coverage exclusively to Minnesota residents! Headquartered in Owatonna, we’ve been your neighbor for more than 100 years. Let our experienced, local representatives provide the personal attention you deserve.

Call Federated Insurance Personal Lines at

507-455-5600

or E-mail Your Declarations Pages to federatedpersonallines@fedins.com for a Quote Today! Monday – Friday, 8 a.m. to 5 p.m.

Federated Mutual Insurance Company Owatonna, Minnesota 55060 • Phone: (507) 455-5200 www.federatedinsurance.com/personal ©2012 Federated Mutual Insurance Company


November 2012

Real Estate Guide Page 7

E SKY, H T M O R MILES F ILTER, F 2 T D E O P O -F DROP A 1,300 H G U O THR YMENT. D O J E S N S E A R P OR YOU F D E L L I AND CH

Owatonna residents might be surprised to learn that we have some of the best drinking water in the country. Our deep well ensures that every drop of water you get from your tap has gone through one of the best filtration systems in the world. Cheers!

A TAP FULL OF GREAT TASTE.

(507) 451-2480 www.owatonnautilities.com


November 2012

save money • save time • simplify your life

Page 8 Real Estate Guide

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

OPPORTUNITY

$169,900

$199,000

NEW

VISUAL TOUR #2849414

VISUAL TOUR #2740778

UNIQUE SW OWATONNA MULTI-LEVEL! • 4 bedroom, 2 bath, 4 level home • Vaulted ceiling, large rooms • Lower level & basement level walk-out • Dining room opens to large deck • Newer roof Contact Sid Schroeder. MLS #4039366

ENJOY THE COUNTRY! • Easy access to Hwy 35 • Newer home, open floor plan • Several shops, .98 acres • Attached & detached 6 car garage • 4 bedrooms, 3 baths • Upper level family room Contact Connie Knutson. MLS #4036204

$144,900

$115,000

VISUAL TOUR #2816632

SMALL TOWN CHARMER IN MEDFORD! • 3 bedrooms, 2-1/2 baths • 1/2 acre lot, 2 porches, mature trees • Double attached garage • Larger kitchen island, lots of cupboard space • Newer windows, high efficiency furnace • Ceramic floors & high ceilings Contact Connie Knutson. MLS #4038453

VISUAL TOUR #2804537

FRESHLY DECORATED! • 3 bedrooms, 2 baths • Nice basement with family room • Hardwood floors • Updated kitchen & baths • Quiet area, fenced yard Contact Connie Knutson. MLS #4038125

CE!

PRI

$149,900

VISUAL TOUR #2774097

NEW CONSTRUCTION AT ITS FINEST! • Split-level floor plan • Open kitchen, living & dining room • Cherry cabinets, kitchen island, 6 panel doors • Very large 2+ stall garage • Walk-out lower level ready to finish Contact Matt Gillard. MLS #4037229 NEW

! ING

LIST

NEW

G! STIN

LI

VISUAL TOUR #2890036

WELL MAINTAINED ONE OWNER RANCH! • 3 bedrooms, 2 baths • Finished basement • 2 fireplaces, nice oak woodwork throughout house • 4 season porch • Large yard Contact Connie Knutson. MLS #4040513

$89,900

$95,000

VISUAL TOUR #2886548

SMALL TOWN RANCH ON .45 ACRE! • 3 bedrooms, 2 baths in Ellendale • Finished lower level with family room, bath, bedroom and den/office • Large yard • Lots of storage Contact Connie Knutson. MLS #4040443

$148,600

VISUAL TOUR #2793253

AFFORDABLE & NEWER! • 3 bedrooms, 1 bath • Freshly updated • All appliances • Vinyl siding • House qualifies for rural housing financing • Owner/Agent Contact Connie Knutson. MLS #4037764

LOTS WITH LOTS OF OPTIONS! • Prime & daylight lots • Semi private & patio home lots • Very affordable • Open to all builders! Contact Matt Gillard.

Our Team of Professionals Nancy Sletten Broker Associate GRI, SRES

Matt Gillard Realtor GRI

Erin Gillespie Broker Associate GRI, ERS

Sid Schroeder Realtor GRI, ERS

Stephanie Woodrich Realtor

Melinda David Realtor

Mark Woodrich Realtor

Justin Ohnstad Realtor

Connie Knutson Broker Associate CRS, GRI, ERS ABR

Ryan Jirele Mortgage

Barry Gillespie CRB, CRS, ePRO

Lud Gillespie 1925-2011

November RE Guide  

November RE Guide

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