Life and Homes Austin

Life and

Homes Austin, Texas

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February

2012

We’ve Got Your Home Exclusive House Selling Strategies

Premier Local Listings

Complete Real Estate Listing Directory @ LifeandHomes.com

Life and

Welcome!

Homes

Thank you for picking up this premier issue of Austin LifeandHomes™ where you'll find some of the greatest local real estate deals on the market.

LifeandHomes™ is an innovation in real estate marketing.

We bring the entire community together through our Open Market Listing System™ (OMLS) where Realtors®, For Sale

By Owners, investors, builders and the general public come together in one easy-to-access print piece and web site.

Additionally, we offer relevant articles, real estate listings, broker information, industry related directories, online website at www.lifeandhomes.com, and lifestyle advertisers.

Austin, TX Edition

Published By Pablo Holdings LLC Publication Franchisor Davi d P. L isi Corporate Editor Kim Lisi Kim@LifeandHomes.com

Austin, TX Franchise

John Zavala , RMC 940-595-0184

We're committed to promoting and supporting the local area john@lifeandhomes.com and businesses. If we haven't yet met you, we look forward to doing so. LifeandHomes™ is distributed each month for FREE in the Austin area at many of the fine restaurants, grocery stores, doctor offices, hospitals, personal care and other retailers. Please share our magazine with your friends and encourage them to go online at www.LifeandHomes.com/atx to view our complete inventory of real estate listings.

Whether you are buying or selling, we invite you to begin your search at LifeandHomes™ and LifeandHomes.com for local and new-to-the-market listings. If you'd like to include your real estate information in the next issue, give us a call at 940.595.0184.

Thank you for your support and for your patronage of our local advertisers.

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Pablo Holdings, LLC

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Austin, TX

foras Lowas

The Most Affordable Way to Promote Your Listings Call 940-595-0184

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For franchise information call, 1-800-961-0420 Life and Homes is published monthly by Tack4 Solutions LLC. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2012 Pablo Holdings LLC.

Moisture on

Windows?

It is difficult to completely eliminate moisture on windows. Inefficient windows or high moisture with inadequate ventilation can result in condensation, frost, or pools of water on windows and sills.

Moisture in the air condenses when it touches a cold surface. (The same effect causes a glass of ice tea to “sweat” on a hot humid day.) Continued excess moisture can lead to mold, mildew, and deterioration of your windows and sills.

To reduce humidity levels in your home: • Use ventilation fans in kitchens and baths to control moisture.

• Vent clothes dryers directly to the outside.

Make sure the vent is attached securely to the dryer and free of lint. Clean the vent at least once a year.

• If you have single pane windows, especially with metal frames, install storm windows or consider replacing your existing windows with ENERGY STAR labeled windows.

• If you can’t afford to add storm windows or replace your windows now, purchase and install a shrink film or polyethylene sheet, window insulation kit from a home center or hardware store.

• If you have a humidifier, check it regularly for proper operation. It could be adding too much moisture to your indoor air. (Energystar.gov) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Austin to leave your thoughts on this and other articles.

* Never “max out” or exceed the limit on your credit card. Over-the-limit fees can raise your interest rate, make it difficult to paydown your debt, and will reflect negatively on your credit report. * Avoid using your credit card for cash advances.

The fees and interest on such transactions are excessively high. Keep credit card receipts to verify the charges on your statement. Contact your credit card company immediately if there are any errors.

You must dispute the errors within 60 days of the billing statement by sending copies of any documents supporting your claim. You may withhold payment for what is in dispute while it is being investigated. (The creditor must resolve the dispute in 90 days, or within two complete billing cycles, whichever is earlier.) * Eliminate the temptation to open a new card by calling 1-888-5-OPTOUT. This will remove your name from marketing lists and prevent companies from sending you prescreened and pre-approved credit offers. (dos.ny.gov) Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Austin to leave your thoughts on this and other articles.

Average Home Loan Amounts Vary With mortgage rates continuing to be near record lows, LendingTree.com, an online lender exchange and personal finance resource, recently released data highlighting the average loan amount on residential real estate purchases for all 50 states and Washington D.C. for the year.

By Nancy Kruschke McKinney Has paper taken over your desk, shelves, table, floor, and maybe even the hallway? Does it seem to multiply over night? Then it's time to trim the F.A.T. Try this simple system: File, Act, Toss- to handle the piles of papers on your desk and watch them begin to disappear.

To use this simple system, pick up each piece of paper and take one of the following steps: File - If the paper needs to be kept for future reference, then file it. File it immediately in the correct folder or place it on the "to be filed" shelf. If you don't already have a special place to put papers "to be filed" (such as a separate shelf or folder), set one up immediately! This is an essential tool in any office or home.

Act - Does the paper require action? Who needs to do it? If you need to do the action and you can handle it in two minutes or less, then do it now. If it will take longer than two minutes, pull out your calendar or "To Do List" and schedule time. If you don't need to handle it, pass it on to the person who does.

Toss - Is it junk mail? Out of date? Does someone else in your workplace keep a copy? Or will you be able to retrieve the information elsewhere if you should need it in the future? If the answer is "Yes" to any or all of these questions, then toss it!

Use the F.A.T. system on a daily basis and you'll notice that suddenly YOU are controlling the papers-the papers aren't controlling you.

Happy Trimming!

Nancy Kruschke, owner of Successful Organizing Solutions (S.O.S.) is an organizing coach, consultant, and speaker.

Nancy can be reached at 608-441-6767 or Nancy@SOSorganize.net or visit www.SOSorganize.net.

Join the Conversation: Go to www.facebook.com/ pages/LifeandHomes-Austin to leave your thoughts on this and other articles. www.Life and Homes .com

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Hawaii, by far, leads the nation with an average home loan amount of $677,299, followed by Washington D.C. at $393,453, New Jersey at $344,240 and New York at $340,124. The states with the lowest average home loan amounts are Mississippi at $137,182 and Nebraska at $137,515. The national average for a home loan is $222,261. (RealEstateRama)

Trim the F.A.T.!!!

■

* Only spend what you can afford. Remember that credit is a LOAN — not a gift. Credit card companies make their money when you don’t pay your bill in full at the end of the month. “Borrowing”

money from your credit card company can be more expensive than borrowing from a bank.

February

How To Avoid Credit Card Debt

newsShorts

Fixing Your Credit is Doable If you find yourself with less-than-good credit, you are not alone. Business Insider, an online business news website, reports that one in 50 households owes more than $20,000 in credit card debt. Coinciding with this alarming figure, the site further states that more than 2 million Americans look to credit counselors each year to avoid bankruptcy.

Before your finances fall into the bankruptcy category, you can take steps to help turn your bad credit around. Just ask James Cheslek, dean of academic affairs at Brown Mackie College Albuquerque. Cheslek is a retired corporate and trial law attorney who helps college students with bad credit get back on track.

"If you want to be successful, it is important to not let credit card debt get out of control," Cheslek says. "Many people get frustrated because their credit is not up to par. They don't realize how easy it is to fix. It may take some time, but it is doable."

Step one: Request a free copy of your credit report.

Every American is entitled to a free copy of their credit report under the Fair Credit Reporting Act (FCRA). Each of the three reporting agencies Equifax, Experian, and TransUnion - is required to provide it once every 12 months, if you ask for it. To order your free copy, visit annualcreditreport.com, or call (877) 322-8228.

Step two: Read your credit report carefully for inaccuracies.

Step three: Dispute inaccuracies.

The FCRA further states that a reporting agency must correct any inaccuracies on your report. To dispute an item, notify the reporting agency of the inaccurate information. "They must investigate by forwarding your information to the company that provided the disputed item," says Cheslek.

"When any information proves incorrect, the FCRA calls for all three reporting agencies to remove it from your credit report."

Step four: Request verification of debt.

The Fair Debt Collection Practices Act (FDCPA) gives consumers rights against debt collectors.

"Here's the deal," Cheslek continues. "Debt collectors buy old debt for pennies on the dollar.

They call and tell you they are collecting on behalf of another company. However, the company that originated the debt has written it off and retired the file."

This may be the best kept secret in America. The FDCPA entitles you to write to the original company and ask for verification of the debt.

They have 30 days to complete the process.

Usually, they can't find the file or verify the amount," says Cheslek . "You may need to send follow-up letter to the credit reporting agencies to say, 'Take this off.'"

Step five: Once your credit is fixed, keep it fixed.

Cheslek offers the following rules of thumb to follow in the interest of keeping a good credit score: * Pay bills on time. Late payments add fees to the balance owed. * Change the payment due date if the current one is inconvenient. * Pay more than the minimum due, even if just a little. * Do not skip any payments. Skipped payments lead to bad credit. * Do not close old accounts. Creditors look at how long you've had credit. * Keep one account with no balance. * Do not apply for loans you don't need. Every loan request shows on your credit report for two years; a denial becomes a negative mark.

Austin, TX

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"Spend some time figuring out what all the symbols mean. Learn what's good and what's bad," Cheslek says. "Reporting companies get information from creditors. They simply take the information and add it to your report."

Sales Experience Required

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Enjoy Austin and stay a night at the beautiful Comfort Suites in Pflugerville where you don’t have to spend a fortune!

Relax and Get Recharged February

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s Real Estate as Real Estate

LifeandHomes.com Austin

$209,000

4202 Dauphine DR 4 Bedrooms / 3.0 Baths

Marguerite Craig • 512-610-5000

Marguerite Craig • 512-610-5000

Visit www.LifeandHomes.com Type in Quick Search #140525

Visit www.LifeandHomes.com Type in Quick Search #152678

Austin

Austin

$2,385,000

Realtor • margueritecraig@austin.rr.com

8910 Black Oak ST

5 Bedrooms / 5.0 Baths

3 Bedrooms / 2.0 Baths

Lou Cartwright • 512-610-5000

Susie Kang • 512-480-8384

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #140555

Austin

Joa Realty

Realtor • Susie@JoaRealty.com

$224,900

Austin

8102 Flashpan CV

814 Emerald Wood DR

4 Bedrooms / 3.0 Baths

3 Bedrooms / 1.0 Baths

Lou Cartwright • 512-610-5000

Bill Lanfer • 512-535-4472

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #140561

Austin

$122,900

Solutions Real Estate Texas Realtor • bill@billlanfer.com

Visit www.LifeandHomes.com Type in Quick Search #141999

$149,900

Austin

4903 Powder River RD

2313 University Club DR

4 Bedrooms / 2.0 Baths

4 Bedrooms / 4.0 Baths

Lou Cartwright • 512-610-5000

Bill Lanfer • 512-535-4472

Avalar Austin

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #140553

Austin

$154,000

Visit www.LifeandHomes.com Type in Quick Search #136372

Avalar Austin

$596,900

Solutions Real Estate Texas Realtor • bill@billlanfer.com

Visit www.LifeandHomes.com Type in Quick Search #157372

$375,000

Burnet

4204 Love Bird LN

$449,000 285 Mcreynolds Ranch RD

3 Bedrooms / 3.0 Baths

4 Bedrooms / 3.0 Baths

Lou Cartwright • 512-610-5000

George DeVillar • 512-930-2000

Avalar Austin

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #140560

Austin, TX

Avalar Austin

2701 Bartons Bluff LN Avalar Austin

■

$194,900

1+ acre Building Lot Realtor • margueritecraig@austin.rr.com

L i f e and H o m e s

Austin

3411 Pearce Avalar Austin

Austin

Coldwell Banker United REALTOR Realtor • george@devillarproperties.com

Visit www.LifeandHomes.com Type in Quick Search #137604

$324,900

Del Valle

$150,000

3102 Stardust DR

12301 Sky Harbor DR

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

Lou Cartwright • 512-610-5000

Genesis Webb • 5125016416

Avalar Austin

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #158089

8

Open Market Listing Service™

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

TMAX International Realty Real Estate Broker • genesis@tmaxrealty.com

Visit www.LifeandHomes.com Type in Quick Search #163595

Open Market Listing Service™ Elgin

LifeandHomes.com

$175,000

Killeen

0 ALBERT VOELKER RD

$1,200,000 4013 E Stan Schlueter LOOP

Building Lot

Mini Storage Unit

Genesis Webb • 5125016416

Susie Kang • 512-480-8384

TMAX International Realty Real Estate Broker • genesis@tmaxrealty.com

Visit www.LifeandHomes.com Type in Quick Search #164429

Georgetown

Joa Realty

Realtor • Susie@JoaRealty.com

Visit www.LifeandHomes.com Type in Quick Search #136370

$100,000

Leander

0 S County Rd 289

$85,000 122 S Old County Road 180

4+ Acre Building Lot

Building Lot

Denise Arndt • 512-930-2000

Lou Cartwright • 512-610-5000

Visit www.LifeandHomes.com Type in Quick Search #137546

Visit www.LifeandHomes.com Type in Quick Search #140534

Coldwell Banker United REALTOR Realtor • darndt@coldwellbankerunited.com

Georgetown

$369,900

Avalar Austin

Realtor • lou@cartwrightgroup.biz

Pflugerville

104 Katie Marie CT

$119,900 1519 MISS ALLISONS WAY

4 Bedrooms / 4.0 Baths

3 Bedrooms / 2.0 Baths

Denise Arndt • 512-930-2000

Lou Cartwright • 512-610-5000

Coldwell Banker United REALTOR Realtor • darndt@coldwellbankerunited.com

Visit www.LifeandHomes.com Type in Quick Search #137597

Georgetown

Avalar Austin

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #156724

$435,900

Round Rock

116 Ten Oaks

104 Nicole Cv

4 Bedrooms / 3.0 Baths

Duplex in Cul de Sac

George DeVillar • 512-930-2000

Susie Kang • 512-480-8384

Coldwell Banker United REALTOR Realtor • george@devillarproperties.com

Visit www.LifeandHomes.com Type in Quick Search #137564

Georgetown

$179,000

Joa Realty

Realtor • Susie@JoaRealty.com

Visit www.LifeandHomes.com Type in Quick Search #136369

$429,000

Round Rock

204 Copper Leaf CT

1309 Westcott

4 Bedrooms / 4.0 Baths

Duplex w/ Carport

George DeVillar • 512-930-2000

Susie Kang • 512-480-8384

Coldwell Banker United REALTOR Realtor • george@devillarproperties.com

Visit www.LifeandHomes.com Type in Quick Search #137585

$169,000

Joa Realty

Realtor • Susie@JoaRealty.com

Visit www.LifeandHomes.com Type in Quick Search #136368

February

Round Rock

114 Mossy Rock CV

$199,900 9004 Magic Mountain LN

3 Bedrooms / 2.0 Baths

3 Bedrooms / 3.0 Baths

Genesis Webb • 5125016416

Lou Cartwright • 512-610-5000

TMAX International Realty Real Estate Broker • genesis@tmaxrealty.com

Visit www.LifeandHomes.com Type in Quick Search #163594

Avalar Austin

Realtor • lou@cartwrightgroup.biz

Visit www.LifeandHomes.com Type in Quick Search #160486

www.Life and Homes .com

9

L i f e and H o m e s

$151,000

■

Hutto

The Price Is Right –

Your Best House Selling Strategy You've decluttered the garage and repainted the kitchen, bathroom and hallways. You took your realtor's advice about improving your house's curb appeal, and the lawn has never looked better. Yet your house still has a "For Sale" sign in front, and potential clients aren't clamoring to see the inside. What's the problem?

Probably the most common problem shared by many sellers in today's real estate market is an inflated price. It's easy to make the mistake of zealously setting an idealistic price. You know exactly what money you've spent as well as the many hours of weekend "sweat equity" over the years....but clinging to that less than practical figure can cost you in the long run.

What's the best way to set a fair price? Savvy buyers have a comparable market analysis

(CMA) conducted on the house (or houses) they are most interested in. As a seller, you should do the same so that you're prepared to negotiate. A good realtor can walk you through this step.

Another strategy is to know your competition is there an open house that's sounds similar to yours in the MLS? Check it out! Is that seller asking more or less than you? After visiting, you may discover that the other guy's floor plan doesn't compare favorably to yours. Or that family has incredible storage space that may be a huge draw for many clients.

What if I go too low? Talk to your real estate agent, but in many cases, a price that's a little lower than your competition can be a terrific strategy. More than once, I've seen such a situation generate a bidding contest that brought the price up above the original asking price.

If the price is fair, shouldn't I expect to get the asking price? The answer to that one is: it depends. In today's market, many buyers are quick to make an offer that's lower than what you're asking. Don't be intimidated by a back and forth discussion, and take your time to consider your options. If you notice "For Sale" signs around town with "Price Reduced" toppers on them, you may be in the middle of a rapidly declining market, and prices may need to be reset. A good realtor can advise you of your best plan in the current situation.

Of all the potential pitfalls of selling a home, pricing the house fairly is by far the most common one - and the one issue many clients are reluctant to discuss. Yet the right price can make the difference of selling now or much, much later.

If you're looking to sell your home in the Chapel Hill/Durham area, contact Crazy Viv Olkin at http://www.crazyvivhomes. com. She's the REALTOR who can help you say "The price is right!" and sell your home sooner instead of later.

(BiggerPockets)

COMMERCIAL LENDING CONSULTANTS ASSISTING WITH: • Construction Financing • Permanent Financing • Hospitals • Hotels Austin, TX

• Retirement Centers

L i f e and H o m e s

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L O N G - T E R M F I N A N C I N G F O R C O M M E R C I A L P R O P E RT I E S

• Resorts

We help companies find financing at or lower rates than what is available in the marketplace. We provide

• Shopping Centers

construction, renovation and refinancing.

• Student Housing

consulting services for commercial properties regarding issues of finance, development, acquisition,

940-595-0184 OR EMAIL JOHN@LIFEANDHOMES.COM 10

• Multi-Family Units

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

shoreline Real Estate - Rockport, Port Aransas, Aransas Pass

Rockport

$129,900

Home to be built. Nice building lot with builder plans for a 2 bedroom, 2 bath plus bonus room/ study. Plans can be modified and explanded per buyer’s needs. MLS# 6550660 GoSecondHomes.com

Rockport

$189,500

Watch stunning sunsets over Copano Bay from your own private deck of this charming home with water views of Copano Bay, Salt Lake and Canal. MLS# 9198304 GoSecondHomes.com

Rockport

$249,900

Historic building in Rockport’s downtown Heritage District - completely remodeled in 2007 including a new roof, fire and security system.

Large front display window. MLS# 4601313 GoSecondHomes.com

Port O’Connor

$377,900

3 Bedrooms, 2,096 sq ft, .26 Acres, central air.

MLS# 3330762 GoSecondHomes.com

Rockport

$129,900

Home to be built. Nice building lot with builder plans for a 2 bedroom, 2 bath plus bonus room/ study. The plans can be modified and expanded per buyer’s needs. MLS# 5046689 GoSecondHomes.com

Rockport

$199,000

Nicely remodeled unit with that cosmopolitan feel. 1 bedroom, 1,230 sq ft.

MLS# 3392119 GoSecondHomes.com

Rockport

$249,900

2 Bed, 1,178 sq ft. Waterfront. Central air.

MLS# 5423200 GoSecondHomes.com

Port O’Connor

$382,900

3 Bedrooms, 2,096 sq ft, .25 Acres, central air.

MLS# 5453386 GoSecondHomes.com

Rockport

$136,900

Lush trees surrounding beautiful staged home.

Welcome entry w/ a bedroom or office with it’s own bath. Spacious kitchen with all appliances included. MLS# 9855238 GoSecondHomes.com

Rockport

$208,900

We have a fully furnished 3 BR, 2 Bath Modular home available NOW…all you need is your PJ’s and toothbrush at Redfish Bay Club Estates in Rockport, TX. MLS# 7497315 GoSecondHomes.com

Rockport

$260,000

Fantastic views of the IntracoastalWaterway and Redfish Bay abound from this canal front home site located in the exclusive, gated La BuenaVida subdivision. MLS# 8120684 GoSecondHomes.com

Port O’Connor

$399,900

This To Be Built home represents the best of all - Great Subdivision, Seasoned Builder and a price that cannot be beat. If you are thinking of a house at the Texas Coast. MLS# 5335977 GoSecondHomes.com

Rockport

$139,900

The huge living room includes a woodburning fireplace, ceiling fan and laminate flooring. Adjacent you’ll find a large dining area and bright kitchen. MLS# 3370950 GoSecondHomes.com

Rockport

50x150 lot MLS# 5323948

$239,900

GoSecondHomes.com

Rockport

$279,000

Key Allegro Condominiums- 3 bedrooms, 1,402 sq ft. MLS# 9151167 GoSecondHomes.com

Port O’Connor

$399,900

4 Bedrooms, 2,627 sq ft, .25 Acres, central air.

MLS# 7853649 GoSecondHomes.com

Rockport

3 Bedrooms, 1,173 sq ft.

MLS# 5310624

$159,000

GoSecondHomes.com

Rockport

$239,900

50x150 lot on Water Street near corner of Water and First. MLS# 5777223 GoSecondHomes.com

Rockport

$185,000

Rockport

$245,000

Here it is, furnished, just move in! Step inside to a wonderful wide open living area,beautifully renovated and tastefully furnished too .

MLS# 9044311 GoSecondHomes.com

2 Bedrooms, 1,320 sq ft MLS# 3214636

GoSecondHomes.com

Rockport

$299,900

Rockport

$349,000

Port O’Connor

$419,900

Rockport

$443,500

HALF ACRE LOT offering great views of the intercoastal and Estes Flats. This great beachy floor plan offers a large covered patio to enjoy the Bayfront breeze. MLS# 3827329 GoSecondHomes.com

5 Bedrooms, 2,689 sq ft, .23 Acres, central air.

MLS# 6041572 GoSecondHomes.com

Wonderful home on Swan Lake has 20 ft. ceilings, walls of windows facing the lake & surrounding oak trees, and an incredible focal point fireplace. MLS# 9215026 GoSecondHomes.com

This Bahia Bay home in Rockport, TX has been renovated with new kitchen counter tops and backsplash, new cooktop, dishwasher, tile floors throughout except bedrooms.

MLS# 3964860 GoSecondHomes.com

February

www.Life and Homes .com

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(361) 729-7900 GosecondHomes.com

Now you don’t have to settle.

Austin, TX

Build the home you’ve always wanted on your lot or ours.

From the high $200’s

L i f e and H o m e s

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Orchid Homes: Custom Homes 1805 Camino Viejo Austin TX 78758 (Tanglewild Sub) 12332 Cedar Bend Cove Austin TX 78758 ( Cedar Bend Sub)

512-833-0404

Deborah Yates

Urban Properties 512-289-4500 deborahdyates@aol.com

Avalar Austin Real Estate 512-923-8477 larryhatzfeld@gmail.com

w w w. o r c h i d h o m e s . n e t 12

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Larry Hatzfeld