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E M A I L U S AT N E W S T I P S @ A R I Z O N A R E P U B L I C . C O M O R C A L L U S AT 6 0 2 - 4 4 4 - N E W S ( 6 3 9 7 )

BIG-NAME VALLEY PROJECTS:

REAGOR ON REAL ESTATE

CENTERPOINT:

LENDER’S LOSSES LINGER

THEN: The condo towers in downtown Tempe were Mortgages Ltd.’s most expensive, high-profile project. The lender funneled at least $150 million into the two high-rises. NOW: Cleveland-based Zaremba Group paid $30 million for the partially built project in 2011, completed the towers, turned them into rentals and renamed it West 6th.

HOTEL MONROE:

Mortgages Ltd.’s nearly $1 billion crash led to foreclosures, investor deficits, lawsuits

THEN: The historic Luhrs building, which made a cameo in “Psycho” had been empty for decades when plans for it to become Hotel Monroe were announced during the boom. NOW: In 2013, Minneapolis-based CSM Loding paid $7.85 million for the building and turned it into a Hilton Garden Inn that opened last year.

The crash of Arizona’s biggest commercial lender Mortgages Ltd. is still a nightmare for many. The lender’s nearly $1 billion collapse and its CEO Scott Coles’ suicide in 2008 led to huge investor losses, too many foreclosures, a slew of lawsuits and fraud charges by regulators. High-profile projects stalled, from condo towers in downtown Tempe to the redevelopment of a downtown Phoenix historic hotel that had a cameo in “Psycho.” Many of the investors were well-known, including a few Phoenix Suns players and some high-profile CEOs, but there were also small investors who lost their life savings. I can remember talking to retirees who put all their money into Mortgages Ltd. and were living off the double-digit returns until it failed. Some couldn’t even pay their A/C bills that summer. Others lost homes and had to move in with their children. Developers lost properties and couldn’t pay employees. Regulators went after a big Mortgages Ltd. investor with the cheeky name Radical Bunny for selling interests in loans illegally. So many legal battles ensued from the lender’s collapse, lawyers are the only ones who really made any money. It’s been more than eight years since Coles died and Mortgages Ltd. ended up in bankruptcy court. Most of the high-flying lender’s projects have now been sold and revived.

PORTALES:

THEN: A much-anticipated condo project just north of Scottsdale Fashion Square was planned on the 10-acre site. NOW: Dallas-based developer JLB Partners got control of the land in 2011and developed the Moderne, a popular and pricey apartment complex, on the site.

CHATEAU ON CENTRAL:

THEN: The central Phoenix million-dollar brownstone home development was meant to draw luxury homebuyers. Mortgages Ltd. put almost $50 million into it NOW: In 2010, Wisconsin-based MSI West Investments paid $7 million for the 21 homes with elevators and completed them. Now the homes are selling for seven-digit prices.

See MORTGAGES, Page 2R

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Valley Home Values

Factors that affect home prices NERDWALLET

Median home sale prices have risen on a year-over-year basis for 52 consecutive months. In June, they reached yet another all-time high. Sure, from a macro view, we all understand that it’s a matter of supply and demand — not enough homes for sale in the major employment centers. But what about your house, or the house that you want, in the city where you live? What drives the price of a specific home in a specific place?

Three factors that matter most Rick Singh, the elected property appraiser for Orange County, Florida, says the price of a home hinges on three factors: location, product and timing. Product and location are intertwined, meaning “the right home in the right neighborhood,” Singh says. Timing, though, can be tricky, especially when it comes to selling your home. “You don’t want to list a home when there [are] 50 other homes on the block for sale, because the law of supply and demand will kick in,” Singh says. “You want to essentially list when there’s scarcity in the neighborhood.”

How appraisers value a home The last word on the value of a particular house comes from an official, inde-

pendent appraisal. After all of the buyerseller negotiation, it’s what banks require to do a deal. Appraisers value a house by beginning with a detailed physical inspection of “the main ‘bones’ of the house,” says Sam Heskel, president of Nadlan Valuation, an appraisal management company based in Brooklyn, New York. He says that means examining the roof, the boiler, the bathrooms and the kitchen — everything from front door to back, from floor to ceiling — all to get a feel for the condition of the home. Then an appraiser considers the neighborhood, he says, which includes comparing similar homes and recent sales to narrow down the value, adjusting the appraised price for similarities as well as differences.

in some areas. “It’s all market-driven,” he adds.

Home features in biggest demand

Buyers can fall into a trap, particularly in hot markets flush with bidding wars. In those situations, a would-be buyer might see a home fail to appraise for its contracted sale price, which means the sale might fall through. “People tend to buy with their stomach, not with their head,” Heskel says. “It becomes an emotional bidding war with no logic. The appraiser analyzes the market, the real sales — not emotionally — and it just doesn’t make sense; the numbers are not there.” It’s tough news to give to a client, their real estate agent — and their lender. “I see it a lot,” Heskel says.

That raises the question: Which home features have the most impact on the price of a home? “Granite countertops used to be the hot thing. I think today it’s becoming the norm,” Heskel says, adding that it’s a feature particularly used by investors looking to prepare a property for sale. He adds that interior colors have changed from beige and brown to shades of gray. But consumer preferences are determined by each individual real estate market, Singh says. For example, having a pool or second floor may not add value

Big-name Valley projects

Mortgages Continued from Page 1R

Many Mortgage Ltd. investors have received some of their money back. Real-estate attorney and former Arizona State Land Commissioner Mark Winkleman took on the arduous job of untangling ownership of the Mortgages Ltd. properties and selling them for the highest prices. “We have made about $100 million from property sales and another $100 million for investors from lawsuits,” he told me. “It hasn’t been easy, but we only have three properties left.”

Of course, Mortgage Ltd. failed partly because of the real-estate crash, and as the economy and real-estate market worsened, it became harder to sell the properties. Here’s a rundown of some of the biggest sales in Mortgages Ltd.’s portfolio (not all the purchase prices or financing details are available because the original deals were so convoluted and became mired in lawsuits): Centerpoint: The condominium towers in downtown Tempe were Mortgages Ltd.’s most high-profile project and most expensive. The lender funneled at least $150 million into the two high-rises. Cleveland-based Zaremba

How home sellers can add value Sellers looking to get the most for their home should be sure there’s no deferred maintenance. “You may put off fixing that dishwasher or that garbage disposal for four or five years, or whatever,” Singh says, “but when an inspection report comes in after you’ve listed the house, you’ll probably have to end up paying a premium to get it fixed.” That maintenance should include things like landscaping — “ensuring that your home is the nicest home on the block,” he says.

Value traps buyers should avoid

Group paid $30 million for the partially built project in 2011, completed the towers, turned them into rentals and renamed it West 6th. Main Street Glendale: A 150-acre parcel across from the Arizona Cardinals’ University of Phoenix Stadium in the West Valley that was touted as becoming a second downtown for Glendale is still vacant. Rightpath, led partly by former Danny’s Family Car Wash owner Danny Hendon, had plans to develop Main Street Glendale, but they fizzled. The prime site was sold to the Van Tuyl car dealership group for $7 million in 2012. Hotel Monroe: The redevelopment of the historic Luhrs building into a boutique hotel was going to be a big

Can homeowner prevent vehicles from parking on HOA’s streets? Question: The CC&Rs prohibit any parking at any time on the streets in our community in Goodyear. These streets are owned by our homeowners association. There are residents in our community who own police vehicles, APS trucks, and cable company trucks that park on our streets. Is there anything that we can do? Answer: A.R.S. §33-1809 authorizes parking of public service corporation vehicles on streets owned by a homeowners association, despite CC&Rs prohibiting the parking of vehicles on the streets. Although police vehicles and APS vehicles are probably public service corporation vehicles, vehicles operated by cable companies are probably not. Note: Your homeowners association can require that the official emblem of the public service corporation be displayed on the vehicle. Reach attorney Christopher Combs at azrep@combslawgroup.com.

coup for downtown Phoenix. The “Psycho” building had been empty for decades when plans for it to become Hotel Monroe were announced. The project failed when financing from Mortgages Ltd. stopped. In 2013, Minneapolisbased CSM Loding paid $7.85 million for the building and turned it into a Hilton Garden Inn that opened last year. Portales: The much-anticipated condo project, just north of Scottsdale Fashion Square, stalled almost 10 years ago. A big dust bowl on the 10-acre site was left until Dallas-based developer JLB Partners got control of the land in 2011. It developed the popular and pricey apartment complex called the MoSee MORTGAGES, Page 3R

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Flattered by a panorama of dramatic mountain and city lights views, this never-occupied home is surrounded by striking Sonoran desert-scape from its secluded perch in gated Tierra Rica in the rolling hills of East Mesa. Designed for easy-breezy indoor/outdoor living and entertaining, this big, bold beauty boasts a sun-dappled living room that opens to one of the home’s numerous alfresco patios. Perfect for hosting friends and loved ones, the pillar-framed dining room is around the corner from the stunning chef’s kitchen, a state-ofthe-art culinary delight dressed with a bevy of upscale appliances, gorgeous granite counters, an enticing sit-at breakfast bar/island and handsome staggered-height cabinetry topped with crisp crown molding.

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Featuring a blissful bedroom and a pampering private bath (with a relaxing jetted tub), the view-rich master retreat is conveniently located next to an office/ﬁfth bedroom. Meanwhile, the upper-level is where you’ll ﬁnd a wealth of impressive living spaces including a large family room, a game room, three spacious bedrooms, two guest baths and two expansive view-decks. Graced with a plethora of patios, the oasislike backyard shows off with sprawling sunlounge decks and a shimmering pool accented by a gently cascading boulder waterfall. All this plus an oversized garage and great access to the Loop 202 — very wow! Visit tourfactory. com/1563920. Offered at $799,000. (cul-de-sac lot; 5BD; 4BA; 4,255SF)

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AREA HIGHLIGHTS

DIRECTIONS

NEARBY SCHOOLS: Zaharis Elementary; Fremont Middle School; Red Mountain High School. NEARBY HOSPITALS: Banner Baywood Medical Center; Banner Heart Hospital. NEARBY SHOPPING: Superstition Springs Center; Mesa Riverview.

CROSS STREETS McDowell Road and Ellsworth. DIRECTIONS East on McDowell Road. North on 90th Street. Left on Omega to property.

CONTACT Sandra Baldwin and Kyle Caldwell, Launch Real Estate 602-397-4300 www.BaldwinTeam.com

MLS# 5438690

AR-0008601258-02

HAL BUNDRICK

CHRISTOPHER COMBS REAL ESTATE Q&A

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AZ Real Estate

Mortgages

problem was the amount Coles loaned on them.”

poration Commission, Hirsch said the “Attorney General” hadn’t contacted them about paying the judgement.

ELLIOTT POLLACK

Radical Bunny investor lost home

“It’s not that Mortgages Ltd.’s properties were bad, the

Continued from Page 2R

ARIZONA ECONOMIST WHO INVESTED IN MORTGAGES LTD.

derne on the site. Mosaic: In Tempe, another condo high-rise was planned with a $130 million financing promise from Mortgages Ltd. The site on the northwest corner of University Drive and Ash Avenue has sat empty for the past decade. In 2014, Colorado-based Alberta Development paid $6.1 million for the land. In July, the Tempe City Council approved a nine-story development with a Whole Food Market for the corner. Chateau on Central: Coles thought a central Phoenix million-dollar brownstone home development called Chateau on Central would draw luxury homebuyers. Mortgages Ltd. put almost $50 million into the project that sat half built and empty on Central Avenue during the crash. In 2010, Wisconsin-based MSI West Investments paid $7 million for the 21 homes with elevators and completed them. Now the brownstones are selling for seven-digit prices. “It’s not that Mortgages Ltd.’s properties were bad, the problem was the amount Coles loaned on them,” Elliott Pollack told me. The well-known Arizona economist invested in Mortgages Ltd. He said Coles would appraise a three-story building like it was a 20-story high-rise.

Drawn by double digits Mortgages Ltd. had been around for

decades and steadily drew investors who could rely on returns of 10 percent or more from the hard-money lender. Its investor list was impressive: » Dial Corp. CEO Malcolm Jozoff. » Former Phoenix Suns players Penny Hardaway, Mark West and Eddie Johnson. » Professional golfer Jeffrey Quinney. » Montana mega-rancher Billy Hawkins. » Real-estate developer Paul Rhodes. » Harold Christ, who built Gold Canyon in the East Valley. » Gerald Appell, co-owner of the Arizona Weight Watchers. But its biggest investor, Radical Bunny, is the one that drew regulators’ ire. When Coles started to run into financial problems, he began to rely on the group that included his personal accountant Tom Hirsch as well as Harish Shah, Howard Walder and Berta “Bunny” Walder. So we at least know where the “Bunny” part of the group’s name came from. Coles began paying Radical Bunny

13 percent on almost $200 million in loans, while Mortgages Ltd. investors were getting 10 percent. It was a house of cards that cost many, particularly the 900 individual Radical Bunny investors who thought they were investing in Mortgages Ltd. properties but weren’t. And because of that, they aren’t entitled to money from the recent sales. The Securities and Exchange Commission filed security-fraud charges against Phoenix investment firm Radical Bunny and its four principals. And the Arizona Corporation Commission found Radical Bunny fraudulently sold unregistered securities to its investors and ordered the group to pay back almost $190 million to them as well as penalties. That hasn’t happened, according to a Corporation Commission official. I reached Hirsch by phone at his office on Thursday, and he told me he “wasn’t aware” of owing the money. He acknowledged Radical Bunny unsuccessfully tried to appeal the judgment two years ago. When asked why he didn’t think he and the rest of the Radical Bunny principals owed the fines levied by the Cor-

One Radical Bunny investor, who I talked to for stories on the debacle in the past, was about to retire a decade ago and live on her income from the big lender. She lost her home to foreclosure five years ago and is now working two jobs. When I talked to her Monday, she asked that I not use her name now because “it’s too heartbreaking to go through the nightmare again.” For years she was hopeful regulators would get back some of her money. The SEC didn’t respond to my questions about the status of the case. But Angie Holdsworth of the Corporation Commission told me “we have a judgement (against Radical Bunny) and are attempting to collect on it.” It’s been a convoluted and complicated process to try to unwind Mortgages Ltd.’s operations and help the thousands of investors who were hurt. Pollack believes Mortgages Ltd. investors got the highest prices buyers were willing to pay for the properties during a tough economic time. Still, he’s not happy. “As an investor, I am still pretty upset with Scott Coles,” he said. “It was the amounts he loaned that caused the disaster. He (Coles) got carried away with the bubble.” Mortgages Ltd. still keeps a lot of people up at night.

CHARTING THE MARKET

FRESH ON THE MARKET

MEDIAN LISTING PRICE

DAYS ON THE MARKET

12 thousand

300 thousand

3500

250

3000

200

New listings per month

6 4

Sept. ‘14 8,614

Sept. ‘15 9,238

Median price per month

Sept. ‘16 9,612

2500

Sept. ‘14 $224,800

Sept. ‘15 $239,900

Sept. ‘16 $254,900

2015

Source: Arizona Regional Multiple Listing Service Inc.

2016

3,237 houses 771 houses

1000

50 2014

2000 1500

100

2 0

150

For single-family home sales in September

500 2014

2015

2016

1-30

31-60

61-90

91-120

121+

ALEX GREGORY/THE REPUBLIC

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Walk to Westgate! Lots of custom amenities! 1 & 2 bedrooms from $960 Pillar at Westgate 623-385-0119

Car Shopping? azcentral.com Click on “Autos”

3070

Scottsdale Homes

3018

Cave Creek Homes

3018

Cave Creek Homes

AR-0008601033-01

3018

Cave Creek Homes

7/1 ARM

3.000

0.000

20% 3.240

480-633-7800

Fees: $3

30 yr FHA

2.875

0.000

$0 3.5% 3.115

www.mesamortgage.com

Rate: 3.375

15 yr fixed

2.750

0.000

20% 2.751

Points: 0.000

10 yr fixed

2.750

0.000

20% 2.751

602-688-2938

Fees: $0

30 yr FHA

3.250

0.000

$0 3.5% 3.442

www.AchieversMortgage.com

% Down: 20%

NMLS# 166778

3541

Phoenix Apartments

1 Bedrooms from $550, 2 Bedrooms from $650. *OAC Las Ventanas Apartments Call 602-246-9166 ALL UTILITIES INCLUDED! Rates as low as $639/mo. Pets are welcome - BelCourt (602) 648-9859 RENTS STARTING AT $589!* Gated, Pet Friendly. North Mountain Village 602-648-9877

2-BED $650!!

$0 Deposit. Pets Welcome Canyon Point (602) 266-7221

2Br $650, 1Br $525

$0 Deposit. Nice! Vista Del Prado (602) 242-0237

ALL UTILITIES INCLUDED! Stu. 1, 2, 3 bdrms from $613 Banyantree Apartments Call Now! 602-648-9885

FREE UTILITIES!!

2b $775 1b $675. Nice, Gated, balcony 602-246-4330

WEEK TO WEEK FURNISHED APARTMENTS 3 Locations - 602-385-1204 www.4RentWeekly.com

Beautiful 3 BD + Office/Den 2.5 BA 3250 SqFt, 3 CG, appx ½ac south backyard that sides a subdivision park. Built in ’96, 2 new a/c units & new roof. Impeccable. Priced $699,000. Seller open to Jan close.

Roger Malcolm 602-430-0285 Realty Executives

3703

FURNISHED PHX STUDIO APTS FREE Utilities, Move In READY FLEX PAYMENTS-NO LEASE REQ CALL NOW! 602-833-7334

Check out our New Look and New Name !!!!!! Residences at Camelback West - Call 602-841-4551

3569

2 bedrooms from $1005, 3 Bedrooms from $1182, 4 Bedrooms from $1374, W/D included*. Allure at Tempe 480-682-1493

$349 M-I by ASU

FREE UTILITIES! SHORT TERM & CORP SUITES AVAIL STU & 1BS FROM $599/MO! Sierra Grande 602-648-9884

$35 Holding Fee! 1BR’s from $875, 2Br’s from $975. No Security Deposit. LA ESTANCIA 480-467-2985

Spacious 1, 2 & 3 bds Gated, Mountainside Community Green Leaf Promontory Pointe (602) 748-1719

ASK ABOUT LOOK-N-LEASE!* Flat rate electric and gas! Call for Pricing. Flagstone 480.467.2982

3549

Campus Court Apartments Walk to ASU, 1 Br $650, 2Br $750 and Casitas $750. Some Util. Incl. 480-516-0433

Phoenix-Northwest Apartments

Phoenix-South Apartments

Newly Renovated Great Spaces A BOLD NEW CHANGE AWAITS! 1, 2 & 3 Br’s from $865. Sterling Point 602-903-2895

1st Mo+ Sec Dep*. 1-2Brs fr $675. Hidden Glen 480-516-0438

Coronado Apartments Call for current specials! 1 & 2 Bd’s from $797 480-327-4835 FREE CABLE! 1-2-3Br from $700. FREE Water, Sewer, Trash. Rural/Baseline College Park (480) 516-0981 FREE UTITILITIES. ON LIGHT RAIL. 1 Br’s from $755* ARBOUR PARK, 1901 East Apache Blvd. 480-682-1990

Phoenix-West Apartments

INCREDIBLE PRICES!! Tempe Luxury! Great 1 & 2Brs starting at $649* Location! Starting at $985 $249 M-In! oac (subject to San Portella 480-385-3075 change) FREE Water, Sewer, Trash. Villa Del Sol 623-385-0017 MINUTES TO ASU! Spacious floorplans. 1Br fr $649*, 2Br fr $709*. 1, 2, 3 Bds from $817/mo. $249 M-In! oac (subject to Highland Park 480-385-0229 change) 59Ave/McDowell (623) 209-7423 Park View 1, 2, and 3 Bedrooms Avail. CREDIT FRIENDLY! FurnishPETS WELCOME! ed. FREE UTILITIES & NO CALL NOW! 480-385-0230 LEASE from $509/mo. Chateau Gardens (623) 937-0128 PET LOVER’S SPECIAL! St - $730, 1Br - $800, FURNISHED PHOENIX APTS 2Br - $910. EASTRIDGE APTS Studio/2 bdrm great rates Call 480-682-1494 FREE utilities, Move in today Call now 623-688-3928 TEMPE PARK PLACE! 1 & 2 BD’s from $929. UTILITIES LOOK-N-LEASE SPECIAL! INCLUDED! MINUTES TO select units. ASU! (480) 516-0104 1Br $669; 2 Br $749! Casa Anita û 623-792-9092

3650 MOVE-IN AS LOW AS $199!* 1 & 2 Bedrooms from $559 Water, Sewer, & Trash Incl. San Marina 623-792-9117 Palm Crest @ Station 40 1, 2 & 3 BD’s from $642 Extreme Property Makeover 623-385-0109

Scottsdale Apartments

Phoenix Northeast Homes

OPEN HOUSE SAT & SUN 10AM - 5PM TERRAZA TUSCAN

BEST LOCATION IN SCOTTSDALE! Call for specials. 1, 2 & 3 Bd’s from $1250! Crown Court 480.682.1988

10089 E Ridgerunner Dr, Scottsdale, AZ 85255

PhoenixCentral Condo/ Townhome Rentals

Tempe Condo/ Townhome Rentals

3br 2ba, 17301 E. Alta Loma, Fountain Hills - Available 12/1 - One of the key locations in the gated neighbor of Arriba del Lago, across the street from the Fountain Park. This unfurnished home offers an unobstructed view of the Fountain and a lovely arroyo running alongside. The 3rd bedroom is built-out as a beautiful office with wood floors. The large patio was professionally enclosed and air conditioned for maximum year-round enjoyment. New tile and carpet throughout the home. New granite kitchen countertops and stainless steel appliances. Outdoors is a fenced backyard and patio within close proximity of the community heated pool and spa. Enjoy the Lakeside Village Lifestyle from this very convenient location to the park and downtown area. Owner pays association fee. Tenant pays all utilities. Credit check required. Small pets ok. Facts Available 12/1 Lease: One Year Deposit & fees: 1995 Lot: 10,189 sqft Pets: Small dogs Laundry: In Unit Parking: Garage - Attached, On street Single Family Cooling: Central Heating: Forced air Washer Dryer Refrigerator (2 - 1 in Kitchen & 1 in Garage) Range/Oven Microwave Dishwasher Garbage Disposal Reverse Osmosis Water System Water Softener Retractable awning on back patio Retractable sun shades on back windows Close to Private Community Heated Pool 2 minute walk to Fountain Park and Fountain Overlook Trail 17301 E. Alta Loma, Fountain Hills AZ 85268 $1,995 per month. 937-212-9508

3733

Glendale Residential Rentals

∂3Bd 2Ba 2G, 67Av/Bell, 1200sf, Block Fence. Only $895 APT HUNTERS 602.863.7676

Great M/I Spec*

LUXURY BILTMORE CASITA Mesa Lrg 2BR, granite counters, Residential Rentals custom appls & flrs, private yard. Camelback & 32nd St. $1150/mo. 602-956-0146 Gated 55+ Mesa Patio Home 2br+den 2ba, 2cg, new paint & appls. Pvt bkyard. Unfurn. Heated comm pool & hot tub. Next to Albertsons, walking distance to hospi3683 Phoenix-NW Condo/ tal. Must see. 480-986-9004

Townhome Rentals

2BR 2BA condo for rent Newly remodeled 35th Ave & Glendale. $750/month. 602-318-7477

3694

Scottsdale Condo/ Townhome Rentals

1br 1ba, very fully furnished Scottsdale Shadows resort facilities $1000/mo on 12 mo lease $1800/mo 4 mo winter. 480-443-4360

Exceptionally priced $1,349,995 MOVE-IN READY

3566

Home Site #90 | MLS 5474007 480-596-7305 | WindgateRanchScottsdale.com

*Photos are images only and should not be relied upon to confirm applicable features. This is not an offering where prohibited by law. Prices subject to change without notice. Listing Broker Toll Brothers Real Estate, Inc..

3700

Unique 2 & 3 story TH’s. Great Scottsdale Location! 1, 2 & 3 Br’s! Inspiration at Frank Lloyd Wright 480-385-3406

Surprise Apartments

ACT FAST!* Free Applications!! Pets OK. 1 bedroom from $829! Harmony at Surprise Call 623-209-7422

Surprise Condo/ Townhome Rentals

Queen Creek Residential Rentals

4BR 2BA 2CG, 1600sqft, single story, vaulted ceilings, walk to school, near shopping. Ironwood & Ocotillo. $950/mo. 602-380-9047

3766

Scottsdale

3787

55+ Living

1Br’s - $2325, 2Br’s - $3349 Renaissance Luxury Living in Sun Lakes Call 480-682-1499

55+ Community Pet Friendly Apts On-site Beauty Salon 9-Hole Putting Green Fitness, Pool, Spa Studios, 1, 2 & 3 Bds Starting at $675 GREAT M-IN SPECIALS Mesa Royale 480-682-4618 1825 N. Stapley, Mesa ûûûûûû

FREE RENT. 2 & 3Brs fr $750 No Common Wall. Gtd, pets, social activitites. Contempo Tempe (480) 422-0204

3790

Furnished Rentals

FREE UTILITIES! NO LEASE. FURNISHED! Studios & 1Brs from $549. Stapley & Brdwy. La Petite (480) 327-4840

3853

Manufactured Home Rentals

2BR 2BA fix up. Great loc. Quiet park. Tombstone, AZ.

$450/mo 602-535-1218

Glendale, 55+, Pool, Quiet, Well Maintained, 2/1 $550 . Includes water, trash, sewer. RV Spaces available $275 602-615-6174 / 623-934-3878

3868

Resort and Vacation Rentals

Park City Wyndhem 5 star resort, 2BR deluxe, 7 nights. Check in Nov 18th, check out Nov 25. $2000. Call Sal 602-292-1124

3872

Rental Share

$600 moves you in, 2 rms avail, pvt full bthrm avail, mnthly ok, nice clean home, M/F welcome. $500 mo. El Mirage area. 480-738-6459 Chandler, master w/private bath to rent. Separate AC & heat included. $400, month to month. Dog ok - extra $50 a month. 480-284-0344 Roommate only-no pets, private bath/bedroom. Share 2100sf furnished single family 2 story home. N. Central Phx. Drug & credit chck req. $800/mo, $600 refundable dep. Call / text 602-228-2121

3749

Phoenix-North Central Residential Rentals

Roommate to share 2br, 2ba condo in gated community, cov’d parking, 27th Ave & Bethany $350/mo. includes 7th Ave/Bell. Gorgeous 2br, utilities. 602-246-9388 2ba, 2cg. Private comm., tile/new carpet, custom shutters, all appls. Lrg yard w/patio! $1175 623-561-6917

3751

Phoenix-East Residential Rentals

Live Well at the Equestrian.. 1 Trio Of Clean, Freshly Painted Awesome Location! Thomas & 61st Pl. Newly re- 2 & 3 Bedroom Homes From 1 & 2 Br’s from $747. modeled spacious 2br 1½ba $875/mo. Call 602-265-6490 Equestrian 480-327-4855 w/plenty of closet space. Pool, Jacuzzi, cov’d parking. For 2 tenants $600 each or Luxury living! 1Bds From 1 tenant $1100. 480-255-2966 3760 $900, 2 Bds from $1100, Phoenix-West 3Bds from $1350. Franks On Residential Rentals Shea 480-682-1492

4,919 sq. ft., 5 BD, 3.5 BA with theater room, study, bonus room and 2-car garage • Great location across from community park and backs to common area with view fencing • Gourmet kitchen features granite countertops, center island, Jenn-Air® stainless appliances and walk-in pantry • Spectacular backyard with two covered patios, pool with water feature, fire pit, and covered pergola!

3763

Residential Rentals 48th St & Broadway. 3BR 2BA townhouse, nice patio, pets ok. Close to shopping and Tempe. $675/month. Pima & Happy Valley. Sensational home, perfectly re602-488-1349 modeled with outstanding views of Pinnacle Peak & city lights. 3BR 3½BA 4000sf 3727 pool, 3CG, $4800/mo. Lease Fountain Hills option available. Mark, ReResidential Rentals alty One Group 602-619-3737

3739

64St/Indian School. FREE UTILITIES. Studios from $750, 1Brs from $890 Great downtown location, near Old Town. Scottsdale 5th Ave (480) 748-2943

LOVE WHERE YOU LIVE! Rents Start at $696! UTILITIES INCLUDED! SienaVillage 602-648-9879

Chandler Condo/ Townhome Rentals

L A R G E 2 story 2BR 2BA townhome for rent. Quiet gated comm w/heated pool, jacuzzi, gas BBQ grills. $995, 1yr lease. 480-963-6323

3675

WEEK TO WEEK FURNISHED APARTMENTS 3 Locations - 602-385-1204 www.4RentWeekly.com

GREAT MOVE-IN SPECIALS 4 pools/spas + 1 wading pool! 1 bdrm $751, 2 bdrm $855. Vaseo 602-748-1727

3057

Tempe Apartments

CREDIT FRIENDLY! FREE UTILITIES! NO LEASE. FURNISHED! FROM $529/MO 37Av/Northern 602-648-9935

3560

Phoenix Northeast Homes

Tolleson Apartments

2 Bedrooms from $785/mo W/D in every home. Mountain View Casitas Call 602-648-0332

96th/Shea. BEAUTIFUL! 1Br $915, 2Br $1055. FREE water, sewer, trash. Anacosta (480) 327-4828

3057

Tolleson Condo/ Townhome Rentals

3568

Phoenix-North Apartments

3554 $250 DEPOSIT oac! 1Bds from $620, 2Bds from $719. Gated, pool & sport courts. Villa de Cortez 623-385-0151

3702

3548

3551

Phoenix-Central Apartments

Surprise Apartments

M an ag er ’ s $199 Move-In Special! Call for Avails and Details. 623-385-0405 Siegel Suites Tolleson

NEWLY RENOVATED UNITS! $99 MOVE-IN!(oac) Studio, W/D IN EVERY APT! All 1 & 2 Bedrooms from $425 Remodeled. Free Water, Paloma Village 602-385-1228 Sew, Trash. 1 & 2Br fr $675. Belleview TH’s 602-682-9657 WEEK TO WEEK FURNISHED APARTMENTS 3 Locations - 602-385-1204 www.4RentWeekly.com

3566

Call For Specials! 1, 2 & 3 Br’s from the $834. Villas at Mountain Vista Ranch 623-385-0027

Studios $569, 1 bdrm $719, 2 bdrm $889! Instant Approval! Some utilities included. Daybreak Place 602-648-9865

CREDIT FRIENDLY! Furnished. FREE UTILS & NO LEASE from $529/mo. Northern Chateau 602-973-1362

OPEN SUNDAY 1-4 PM 8713 E. Voltaire Scottsdale, 85260

Phoenix-East Apartments

1&2br $625 & $725. Fantastic comm. Gated, pool, cov’d parking. Awesome move-in Close to 101 & I-17! special. Crest Apts, great One and Two Bedrooms From $585/month. central loc. 480-416-0170 Avalon Hills 602-682-9674

Phoenix-North Central Apartments

AR-0008611521-01

MB0905740

LOCAL! 20 years experience! OPEN SAT & SUN, VA & JUMBO

1 & 2 Bds at GREAT Rates. Upgraded appl, counters, cabinets & window coverings. Bella Sera 602-748-1679

Peoria Apartments

Move In Ready For December!

Exceptionally priced $696,995 Call (480) 595-2800 or Montevista@TollBrothers.com 5519 E. Windstone Trail | Cave Creek, AZ 85331

MB-0903024

30 YRS. EXPERIENCE!

% Down: 20%

*oac. 2-3 Br’s $864-$1189/mo. Quiet, green comm. Near Schls, shopping & Bus Lines. The Vintage (480) 748-2944

Luxury single-level living with large front porch and 20 ft. multi-slide door that opens to patio perfect for indoor/outdoor entertaining • 2,896 sq. ft. • 3 bedrooms • 3 baths • den and formal dining room• 3 car garage • spacious gourmet kitchen and more!

NMLS # / License #

Points: 0.000

OPEN HOUSE SUNDAY 12PM - 4PM MONTILLA DESERT PRAIRIE

AR-0008618285-01

Phone / Website

20% 2.990

3543

Phoenix Northeast Homes

APR

Great Move-In Specials! 1Bd $1000, 2Bd $1100, 3Bd $1395. Townhomes Avail. Pillar Bella Vista - 623-385-0096

602-397-4300 | www.BaldwinTeam.com

3057

%Down

0.000

Loft, 1 Br, 2 Br & 3Br from $580! Quiet, pool, patio, fitness room. Call 602-249-6244

SAN ANDRA BALDWIN N

LUSH EQUESTRIAN MANOR Located in the exclusive guard-gated community of Equestrian Manor, this beautiful contemporary enjoys incredible formal spaces with views across the gorgeous grounds. Pampering private master suite w/romantic bath, two spacious closets, adjacent office. Two bedrooms pivot around a ﬂex room. Resort backyard w/sparkling pool and spa area, sun-decks, ramada, outdoor kitchen. Guest house w/own garage.

Fees

2.750

Rentals

3542

LOVE WHERE YOU LIVE! UTILITIES Included! Rents Start at $600 Ridgeway Village 623-385-0137

Points

15 yr fixed

3545

3539 3528

$35 APPLICATION FEE! *oac. Studios, 1 & 2 Br’s from $560. Cambridge Square 623-385-0009

Rate

Rate: 3.500

3500-3999

Glendale Apartments

W/D in 2-BRS. Weekly & Monthly. 1, 2 & 3Br. $0 Security Dep (active military). Free WIFI area. 623-385-0008

1 & 2 Bdrms from $635 Pets welcome! Acacia Pointe CALL NOW! 623-385-0146

Product

Legend: The rate and annual percentage rate (APR) are effective as of 11/3/16. © 2016 Bankrate, LLC . http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. 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 $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. 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. 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. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, LLC . does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, LLC . does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. • http://azcentral.interest.com

Scottsdale Homes

Home tour at tourfactory.com/1633401 7BD/5.75BA in 6,259 SF MLS#5401426 Offered at $1,999,000

30 yr Fixed

3.740%

Sunflower Apartments PETS WELCOME! Close to GCC Campus. Starting from $520. Call 623-792-9089

Luxury Homes, $750,000 & Up

30 yr APR

Chandler Apartments

SPACIOUS TOWNHOMES! 2BR’s starting from $915 Acoma Thunderbird û 602-648-9900 û

Across From Intel 1Br’s - $800, 2Br’s - $1,000 Cornerstone Ranch 480-467-2940 Call for Great Specials! 1 BDR $885, 2 BDR $1,080, 3BDR $1,285. Pillar at Taviano - 480-422-5186

Luxury Homes, $750,000 & Up

Institution

3336

Property For Trade 21ac Kingman, near town, pano view, water + power onsite, splitable in 5’s, borders BLM. $125K. Call Bill 818-613-6510

3518

Check rates daily at http://azcentral.interest.com

Apartments Willo Historic District, brick duplex, 1000sf - 1200sf. Both units leased. Owner occu- 1,2&3 Br apt homes from $885*! pied. $460,000. 602-257-4308 EXTRA LRG floorplans!! Lakeside living! Limited time offer! Serena Shores 480-385-3416

3221

3187

3001

Resort Vacation Property For Sale

Apache Junction mobile home for sale or rent in a 55+ RV park. Well maintained, bright, many upgrades. $6,750 + remaining lot rent. 503-516-6983

Phoenix North Homes

Dynamite Mtn Rnch Move-in Ready 4br, 2ba, 2cg. 1782sf. Many upgrades, new appls, lndscpd/Jacuzzi. pvt bkyrd. Must see! Open house Sun. 11-4. 27618 N. 24th Ln, Phx, 85085 $320,000 602-550-4746 See photos homefinder.com

3200

Prime lot on Elephant Rock golf course, Williams, AZ. .56 acre on signature hole pond, beautiful views, trees and ready to build. This is a dream lot! $79,999 7028453434

3317

Peoria Homes RENT TO OWN 3BR 2BA, huge lot. 67th Ave & Bell $2495/mo www.AZInvest.org Call Chris 623-628-0057 Photos can be seen on Homefinder.com

Land For Sale/Lease

Northern Arizona

Fountain Hills Homes

PANORAMIC 20 mile views! Prestigious Eagle Mtn Golf 3718sf, 5br, 3.5ba, lrg bonus room, spiral staircase, stone frplc, 45ft deck, 24hr guardgated. 9626 N. Indigo Hill Dr. $664,900. Open Sun. 1-4pm.

3196

3272

3201

All Area Homes

Arizona Republic

Make your next yard sale a success! 4 Lines. 2 Days. Call 602-444-4444 $23 The one that works.

AR-0008601868-01

Northeast Valley

55 Ave / Thomas

NEWLY REMODELED 4br 2ba 2 car carport, new stainless appls $1250. 623-935-2606

2BR 1BA condo Sun Village 55+ gated community. 134th Ave & Bell Rd. 12 month lease. $925/mo + electricity. 760-799-3774

Call 602-444-4444

Place your ad

NOW!

4 Lines. 2 Days.

$23 Call 602-444-4444 The one that works

Home Site #215 | MLS 5419001

CHECK OUT THESE SHORT-TERM LIVING SPECIALS!

*Photo shown is for representation purposes only. Prices subject to change. This is not an offer where prohibited by law. Listing Broker Toll Brothers Real Estate, Inc.

3051

Peoria Homes

3051

Peoria Homes

WEEK TO WEEK

The views will last forever, but this opportunity won’t…

MONTH TO MONTH

Final Phase Toll Brothers at Blackstone Gorgeous Golf Course Home Sites Just Released!

www.4rentweekly.com Furnished Studios & 1 Bedrooms

Featured Home Site: #21 Exceptionally priced at $120K MLS# 5499929

PHOENIX NORTHWEST

PHOENIX WEST

PHOENIX CENTRAL

wkly from

$214.95 $204.95 $219.95

NO CREDIT REQUIREMENT 4 Wkly Meals NO 2 Wkly Meals INCOME REQUIREMENT 602.748.1674 602.682.9677 602.648.9942

Come tour our award winning models and discover your new dream home. Select from six different single-story home designs that range from approximately 2,400sqft to approximately 4,000sqft. Work with our professional designers and make the home of your dreams come true! Homes from the mid-$400,000s TollBrothersatBlackstone.com

AR-0008618325-01 01

30636 North 117th Drive, Peoria, AZ 85383 | 623-398-6241

Text NORTHWEST

Text WEST

TEXT CENTRAL

2541 W Georgia Phoenix

4323 N 27th Ave Phoenix

1350 E Thomas Rd Phoenix

TO 602-300-7423 TO 602-300-7423 TO 602-300-7423 FOR LIVE INFO! FOR LIVE INFO! FOR LIVE INFO!

Photos are images only and should not be relied upon to confirm applicable features. Prices subject to change. Toll Brothers reserves the right to change or withdraw any offer at any time. This is not an offering where prohibited by law. Listing Broker Toll Brothers Real Estate, Inc.

Accepted at all locations. Rates subject to change without notice. Taxes not included. Some restrictions apply.

AR-0008600206-01

Get AZRentals magazine delivered right to your door! AZRentals magazine is the Valley’s premier full-color glossy guide to apartment living. Featuring a full-color trifold map of the metro Phoenix area & color-coded geographical sections to help make your apartment search easier.

To get AZRentals magazine delivered to your door call 602-444-4971 or visit www.azcentral.com/advert/reprentals

|| S U N D AY , N O V E M B E R 6 , 2 016

WWW.AZCENTRAL.COM

|| 5 R

CHECK OUT THESE SENIOR LIVING SPECIALS! Mesa Royale PET-FRIENDLY APARTMENTS FOR INDEPENDENT SENIORS 55 OR BETTER

Studio, 1, 2 & 3 Bedrooms Available

Get AZRentals magazine delivered right to your door!

STARTI NG @ $700 • Dishwasher • Washer / Dryer • Pool & Hot Tub • Clubhouse • Business Center • Elevators • Fitness Center • Theater • Daily Activities

Arizona real estate from Arizona’s real estate experts.

AZRentals magazine is the Valley’s premier full-color glossy guide to apartment living. Featuring a full-color trifold map of the metro Phoenix area & color-coded geographical sections to help make your apartment search easier.

To get AZRentals magazine delivered to your door call 602-444-4971 or visit www.azcentral.com/advert/reprentals

1825 N. Stapley • Mesa, AZ 85203

480-682-4618

Catherine Reagor, azcentral.com real estate columnist.

www.MesaRoyaleAZ.com

*Prices subject to change

Because for information you can trust, you turn to the Valley’s most trusted source.

A F F O R DA B L E

Nobody knows the local housing market like StreetScout.com. Home to unique insights and must-have info from Arizona Republic and azcentral.com insiders like Catherine Reagor, this real estate website does more than help you find a place to live. It guides you in making one of life’s most important decisions.

S E N I O R

L I V I N G ! • Near Public Transportation • Free Wi-Fi Available • Planned Social Activities • Videophone Secured Entry • Strobe Light Indicators

• All Utilities Included • Free Parking • No Pet Fees • $20 High Speed Internet Available • An ASL Friendly Community

C EKO ][XW aRRVYaWO K[]O TaIVaWJ[\X C `VJPOX W[ WKO DaIIOGFX QN \OJLK_[YK[[PX C S\XJLKWX MY[] I[RaI YOaI OXWaWO OHZOYWX C ^[]OX M[Y XaIO C DJPO[XU ]aZX a\P ][YO

Get real market info from local experts. Visit StreetScout.com today!

AR-0008600267-01

2428 E. Apache Blvd.

Glendale Apartments

3527

Glendale Apartments

NO LEASE ,C />.9> FREE UTILITIES <;>> 475/575>9 CREDIT #6%%% FRIENDLY! 9A>*5./$ FURNISHED <4;,598>( Rent ;F!? from EDH" $509 #0-&

3533

Mesa Apartments

2 BEDROOMS FROM $790 CALL FOR GREAT MOVE-IN SPECIALS! WATER, SEWER & TRASH INCLUDED!

DARTMOOR APARTMENTS

Chateau Gardens *@3?F3= :3DGF!B 6105 N. 59th Ave. -21'&1+'%62) 623-937-0128

310 N. ALMA SCHOOL RD., MESA, AZ 85204

480-327-4849

AR-0008589434-01

3527

3533

Glendale Apartments

3527

Glendale Apartments

3548

Phoenix-North Apartments

3548

PREFERRED UNDER NEW EMPLOYER PROGRAMS* MANAGEMENT CALL FOR DETAILS

Located inside Westgate City Center! • Granite counter tops • Black appliances • Cherry wood cabinetry • Washer/Dryers • 24 hour Fitness Center • Pet friendly

TOWNHOMES AVAILABLE!

Check Out Our New Look & New Name!

SLASHING PRICES!!!!!

Phoenix-North Apartments

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AR-0008589436-01

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Phoenix-West Apartments

San Marina

Check Us Out For Our FALL DEALS! MOVE-IN Free After School Learning Center SPECIAL

UTILITIES INCLUDED 1x1 (small) from $615 SLASHED to $590 1x1 (medium) from $640 SLASHED to $615 1x1 (large) from $674 SLASHED to $649 2x2 from $874 SLASHED to $849

Phoenix-Northwest Apartments

NO LEASE FREE UTILITIES CREDIT FRIENDLY FURNISHED Rent from $529 Northern Chateau 3708 W. Northern 602-973-1362 Phoenix-West Apartments

AR-0008557825-03

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3569

Tempe Apartments

Villa Del Sol (623) 209-7423

LIGHT RAIL

STOP #25

6231 W. McDowell Road, Phoenix Se Habla Español. *Prices subject to change

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Tempe Apartments

$399 Move-In Special!

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Arbour Park 1901 E. Apache Blvd., Tempe, AZ

480-682-1990 Free Utilities!

Videos that make apartment hunting a

snap!

99 FREE CABLE Free Water, Sewer & Trash

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7002 W. Indian School Phoenix, AZ 85033

4001 W. Camelback Rd. Phoenix, AZ. 85019 602-841-4551

3554

480-382-6507 Videophone users call 480-305-0221

1 Bedrooms from $559 2 Bedrooms from $639 2 Bedroom/2 Bath from $659

Residences at Camelback West 6610 N. 93rd Ave. Glendale, AZ 85305 623-385-0119

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Please Call:

(Apache Blvd & Lebanon, just east of 101) ApacheAslTrails.com Email: lrussell@cardinalcapital.us

623-792-9117

1Brs$ from

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900

Tour interiors, amenities, neighborhoods and more.

College Park Apts | (480) 516-0981 401 E. Dunbar Dr., Tempe (N. of Baseline/College)

RENTER’S Legal Q & A Attention property managers and owners! The Arizona Multi housing Association invites you to attend one of the monthly Apartment Coalition meetings located throughout the valley. We currently offer 8 coalitions in the Phoenix-metropolitan area including: Central Phoenix Canyon Corridor (I-17) North Phoenix Glendale

Mesa Maryvale West Valley Tempe

Question: Is a notice from a landlord

Editor’s note:

good if it is taped to my front door?

Readers who have non-emergency, general landlord-tenant, fair housing or multi-housing real estate questions can mail them to:

Answer: Generally no.

If the renter

acknowledges receipt of the notice, then it is good. If the landlord desires

The mission of these coalitions is to lay a foundation of community awareness & involvement by providing educational meetings and networking to better address the needs of your residents as well as provide professional development. By attending these monthly meetings you’ll ﬁnd: Information of general interest to all involved in managing properties as well as speciﬁc information pertinent to the location of your property Insight from guest speakers on how to improve your property’s performance Information from local police on what’s happening in your area Free Q&A with AMA Member attorneys Legislative updates that affect property owners and managers Networking opportunities to support you in your community FREE LUNCH

Whether you own or manage, you CANNOT afford to miss these Apartment Coalition meetings. ALL area owners and managers are welcome to attend. For more information, contact Stephanie Garcia at sgarcia@azama.org to ﬁnd out about the next meeting in your area!

notice to be good, the landlord must either; personally serve an occupant of the apartment who is (1) of suitable age (fourteen and older), (2) suitable discretion; and (3) actually lives in the apartment unit, or send the notice by

The Arizona Republic c/o Rental Team, 200 E. Van Buren Street, Second Floor, Phoenix, AZ 85004. While all cannot be answered in this weekly column, we will attempt to publish those questions that would be of interest to most readers. For specific or urgent advice, consult your own legal advisors before making a decision. Legal Q&A participating attorneys:

certiﬁed mail (return receipt requested)

Scott Clark (602) 957-7877

Matt Koglmeier (480) 962-5353

which will typically add ﬁve days to the

Andy Hull (602) 230-0088

Mark Zinman (480) 994-4732

time when the notice becomes effective..

AR-0008600174-01

You’re in! With Insider, you’re part of the story with unique access to news and other content. The Insider program provides members with access to valuable Deals, special Events, and unique Extras. It’s one more way The Arizona Republic and azcentral. com take you inside what’s happening in Phoenix.

If you have a subscription, then you’re an Insider! Visit azcentral.com/insider to log-in and start taking advantage of your Insider perks today.

|| S U N D AY , N O V E M B E R 6 , 2 016

|| T H E A R I Z O N A R E P U B L I C

AZRentals TOM SIMPLOT RENT SMART

Be careful with holiday decor in apartment communities It’s always fun to meet all of the kids in our community on Halloween. When I lived in a high-rise, residents enjoyed decorating their entries with pumpkins and spooky decor. We’ve all walked or driven by that home or apartment where the resident has decided to see how long it will take for the pumpkin to disintegrate, or they have simply forgotten about the vegetable and it makes a mess at their front door. It’s unsanitary as it attracts bugs

and critters that will eventually come to feast. The holidays in the coming weeks mean many of us will start to transform our homes with door wreaths, lights, blowups and more. For renters, there may be additional considerations related to where and for how long one can hang decorations. Many communities keep strict guidelines about the lights and decorations permitted on outdoor spaces like balconies. Lights that blink on and off all night may disturb your neighbors. Blowups or motion sensor holiday deco-

rations may need to be set on timers to limit the hours they entertain your neighbors. Most of the rules in a community tend to be practical and are meant to be “good neighbor” policies. Hanging holiday lights inside, particularly near curtains, should be carefully monitored to be sure they aren’t touching fabric or anything that could become a fire hazard.

Check your vote this weekend There’s no greater responsibility that

participating in elections. Tuesday’s election will be historic, regardless of who you support, and this is your opportunity to make your voice heard. If you aren’t sure where your polling place is, check out these online resources. The Secretary of State has a new website where you can easily find your polling place for Election Day voting. You can even check to be sure that your early ballot has arrived: http:// www.arizona.vote/home#1678087066 Tom Simplot is president and CEO of the Arizona Multihousing Association.

We invite you to be our guest for lunch and a tour of our friendly Village.

Thank Heaven for Volunteers Wooddale Village is located in “The City of Volunteers”.

Welcome Home to Wooddale Village, A Sun City Retirement Community Wooddale Village is a beautiful resort-style retirement community located in Sun City, offering the ﬁnest in services, amenities and healthy lifestyle. This community offers spacious one and two bedroom apartment homes with views of lush, green courtyards lined with trees, water features and ponds. Residents who choose Wooddale Village as their home enjoy the freedom of living a carefree, active lifestyle that keeps them young at heart.

Wooddale Village SUN CIT Y

623-933-1313

18616 North 99th Avenue, Sun City (Just North of Union Hills)