House & Home: June 24, 2023

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Cover home presented by Crysta Metzger and Bruce Emmens Coldwell Banker See details on page E-2 Saturday, June 24, 2023

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SANTA BARBARA NEWS-PRESS REAL ESTATE

SATURDAY, JUNE 24, 2023

CONTENTS A Note From The SBAOR President: In the end, it’s all about family, friends & memories..................................4 HOA Homefront / Readers Questions: Be prepared for the possibility of election by acclamation.........................4 Finance: What to know about solar purchase agreements .........................................5 On Gardening: Heart to Heart ignites a fiery revival in caladiums .....................................6 Santa Barbara County Sales ........................................................................8 Real Estate Q&A: Should I cosign home loan for boyfriend with lousy credit? ......................9 How should I handle major flood damage caused by neighbor ................11

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CLASSIFIED Real Estate ............................................................ E-11 Residential Property .............................................. E-11 Commercial Property.. .......................................... E-11 Rentals................................................................... E-11

AROUND TOWN Calling All Realtors

Tell us your news! We want the community to hear about your fundraisers, charity work, events, accolades and accomplishments.

Please email cswiatek@newspress.com so we can include your good news in the “Around Town” section in the House & Home publication inserted into the Weekend edition of the Santa Barbara News-Press.

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Wendy McCaw .......................................................... Co-Publisher Arthur Von Wiesenberger.......................................... Co-Publisher To appear in House & Home, Contact our staff at realestate@newspress.com House & Home is a product of the Classified Advertising Department of the Santa Barbara News-Press. newspress.com newspress.com is a local virtual community network providing information about Santa Barbara, in addition to the online Association of the Santa Barbara News-Press. ©2023 Santa Barbara News-Press All rights are reserved on material produced by the News-Press, including stories, photos, graphics, maps and advertising. News-Press material is the property of Ampersand Publishing, LLC. Reproduction or nonpersonal usage for any purpose without written permission of the News-Press is expressly prohibited. Other material, including news service stories, comics, syndicated features and columns may be protected by separate copyrights and trademarks. Their presentation by the News-Press is with permission limited to one-time publication and does not permit other use without written release by the original rights holder.

Views expressed in the articles of House & Home are the views of the author, and do not necessarily reflect the views of the Santa Barabara News-Press.

REAL ESTATE

SATURDAY, JUNE 24, 2023

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A Note From The SBAOR President

HOA Homefront Reader Questions

Be Prepared for the Possibility of Election

By Acclamation

By Todd Shea President of the Santa Barbara Association of REALTORS®

In the End, it’s all about Family, Friends & Memories With the race to always be better, to push and grind, to constantly make changes. JUST FOCUS ON BUSINESS; you will be where you want to be. Add in some social pressures, social media where “everyone is doing so well and is successful,” and then throw in aging, pandemics, and the unknown.

I am offering a newly reminded perspective and an exercise that is very valuable for those of any age.

This past weekend I attended a family funeral back east for our favorite uncle in Virginia. I am 47 and went with my brother, who is 44, and my parents, both now in their upper 70’s. This phase of our lives with my brother and I is right in the middle of it all with work, kids, businesses, aging parents, etc. And my parents, both in their upper 70s with successful careers behind them, and now friends and loved ones pass on and attend funerals more frequently.

At the funeral of our uncle, who passed away in their upper 80s, we were reminded of what is important at the end and what people remember you by. Our uncle Wendell started and owned a multi-million dollar business, was super successful, and has now passed that business along to his son Mark. The whole company was there to support, and family and friends from all across the country and other countries attended. It was a fantastic celebration of life.

At the event, a couple of things stood out for me, and my family and I discussed for the remainder of the trip.

First was that those things talked about at the funeral were of course, quickly recognizing the successes, but more so the people that Wendell and the business had helped over the 50+ years the company has been in business. It was the stories of how Wendell and his wife went to dinner almost every night as they did not like to cook. And how they picked a family out at each restaurant they ate at, maybe one that looked like they were celebrating something, or one that maybe looked tired and overwhelmed, or just ones that they connected with. They would ask the waiter for their bill and pay it, not asking to let them know who did this. Amazing as this is already to spread kindness, my favorite part was how sometimes they had friends with them or the people found out who did this, and now they also do this from

time to time when out eating.

Something I am looking to do as well and again, its not about the recognition, but it’s about the thought and effort, in this day and age of posting every accolade or good deed on a social media platform.

It was this more old school but amazing way of doing things to do them and truly out of the kindness of the heart.

The second was that everyone spoke about how Wendell would always make them laugh, how he always had a story.

How he always made people feel special and gave them the time to be heard. Again, something that in this day of a million distractions, short attention spans, and wanting instant gratification. It was a great reminder to slow down, spend time with people, talk, make eye contact, and don’t rush. Things will still be there. Of course, Wendell had a knack for being memorable; some people have that in spades, and this was Wendell. But either way, you can always be more intentional and aware of trying and really seeing people and going beyond the surface level that is so easy to just to stay at that level and move on in day-to-day encounters.

Lastly was that life is all about memories created, the things you do and experience, and those around you doing life with you. No one talked about wow, he made this much money, he had this many followers, the company was this big, or really and truly anything material. But instead, the trips, the adventures, the stories, what brought Wendell and those around him joy.

I enjoyed this exercise they did at the funeral, and you can do this right now.

Take a moment and close your eyes (Of course, at the end after reading the rest, haha). Think of yourself at 95 years old.

Family and friends surround you and are on your last few breaths. What are the conversations you are talking about with your family, and what guidance would you give the younger generations of your family?

I always love being reminded of some basics and clarity on what matters most. I will leave you with a quote from Wendell.

By Kelly G. Richardson, Esq. CCAL Last year HOAs received a very helpful new tool with the enactment of Civil Code Section 5103 – election by acclamation. This allows HOAs to cancel their balloting and declare the candidates to be elected to the board if certain qualifications are met. However, the acclamation procedure is not automatic, and the HOA must meet all of the requirements of this new statute.

fore the nominations deadline, so if your HOA usually allows a 30 day nominations period, the first notice must go out at least 60 days prior to the opening of nominations. The second notice is a reminder notice that must be sent between 7 and 30 days before nominations close, so if the HOA uses a 30 day nominations period, this notice could be combined with the call for candidates.

Number of nominated candidates: The number of nominated candidates must be equal to or less than the number of open seats. So, for example, if 3 seats are up for election, and 1, 2, or 3 members are nominated, then acclamation could be used.

Notifications to nominators and nominees: The HOA must respond by mail or email within 7 days with an acknowledgement to the nominator and an announcement to the nominee. If the nominee is ineligible, that must be explained to the nominee in the notification.

At least 1 successful election in prior 3 years: Per Civil Code Section 5103(a), there must have been one completed election during the three years prior to the voting in the current election process.

If the HOA meeting has failed for lack of quorum three or more years in a row, acclamation will be unavailable until there is a successful election.

Acclamation is not automatic: Per Civil Code 5103(e), the board may vote to consider the candidates elected by acclamation. Acclamation still requires a board vote to complete the process, and the published agenda for that meeting must include the name of each qualified candidate who will be seated if acclamation is approved.

Two notifications to members (5103(b)): Two new notices must be given to the membership, each notice stating the number of open seats in the upcoming election, the nominations deadline, how nominations are submitted, and that the board might seat the candidates by acclamation if the number of candidates does not exceed the number of open seats. The second notice to members must also list any candidates already nominated at the time of the second notice. Both notices must be individually sent to all membersso preserving the acclamation option requires two additional postal mailings (except for members who have consented to electronic communications). The first notice must be sent at least 90 days be-

HOAs may also want to consider updating their election rules to add the acclamation process and deadlines.

“Everyman (person) is the maker of his own fortune, and fortune comes in many ways.”

– Wendell P

Todd Shea Specializing in Luxury Buyer & Seller Representation 3FBMUPS 1BSUOFS ] ;JB (SPVQ t 1PXFSFE CZ F9Q 3FBMUZ %3& t t *OTUBHSBN!UPEETIFBSFBMUPS t UPEE![JBHSPVQ DPN

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HOAs should plan their election calendar at least six months before the annual election date, to preserve the option of election by acclamation. Counting backwards, the HOA needs at least: 30 days for voting, 30 days for nominated candidates announcement, 30 days for call for candidates, and 60 more days before the call for candidates for the first election announcement under Section 5103(b) – that is a total of 5 months. So, plan ahead to preserve the potential benefits of election by acclamation.

SANTA BARBARA NEWS-PRESS

REAL ESTATE

Kelly G. Richardson, Esq. is a Fellow of the College of Community Association Lawyers and Partner of Richardson Ober DeNichilo LLP, a law firm known for community association advice.

Submit questions to Kelly@rodllp.com.

Past columns at www.HOAHomefront.com. All rights reserved®.

SATURDAY, JUNE 24, 2023

What to know about solar power purchase agreements ceive the financial benefits from solar incentives. Solar developers profit from selling you solar energy, as well as claiming renewable energy credits and incentives — including the 30 percent federal solar tax credit.

Homeowner As the homeowner, you provide a location for developers to install solar panels to power your home. You do not own the panels but you pay a fixed rate for the kWh of energy generated. The rates are usually lower than retail electricity rates, saving you money on energy costs. However, you are responsible for the the generated cost. If you use less energy than the system generates, you may be overpaying for electricity. Ask your installer how net metering benefits work in your PPA contract.

Utility grid Many states require solar systems to stay connected to the grid. You will still have power when your solar panels produce less energy, like at night or in winter. Excess energy generated by the solar systems, without an optional battery, returns to the utility grid. The solar developer receives any energy credits from solar energy renewable credits (SRECs).

Benefits of a solar power purchase agreement (PPA)

There are many solar financing options to choose from to work with any budget when installing solar panels.

Photo courtesy Dreamstime/TNS

By Faith Foushee Bankrate Installing solar panels provides many financial benefits and reduces your home’s carbon footprint, but the upfront costs of solar might turn you away. Fortunately, there are many solar financing options to choose from to work with any budget.

The entire solar installation process can be overwhelming.

Picking a company, choosing solar panels, contacting installers and working through tax documents (on top of your everyday life) may cause stress. Power purchase agreements (PPA) are an alternative method for obtaining solar energy without much of the busy work.

What is a solar power purchase agreement?

A solar power purchase agreement is a contract between the user (you) and supplier (solar developer) for solar energy.

Similar to a cell phone bill where you pay for the data used, and your provider installs and maintains phone lines. In a solar PPA, you pay the developer for the energy your panels generate. The solar developer is in charge of designing, installing and maintaining your solar panel system. The developer pays for the materials and you pay a monthly fixed rate per kilowatt-hour (kWh) of energy used. Rather than relying on your local utility company to provide your power, you generate your own energy using solar panels and pay the developer for the green energy generated. PPAs can reduce the financial risks of solar because you are not the owner and not responsible for the upfront costs. Instead, you can enjoy lower energy bills while powering your home with green energy. PPAs may also be a good solar option if you do not have the ability to claim the lucrative incentives or tax credits.

How does a solar power purchase agreement work?

After deciding to go solar through a PPA, you will sign a contract with a developer. Solar panels can last beyond the standard 25-year warranty, so the contracts may extend up to 25 years, too. Similar to other solar processes, design approval, permitting and inspections are all necessary steps before the solar system can be installed. The whole solar installation process can take up to six months, depending on the installer SANTA BARBARA NEWS-PRESS

and your local utility.

Instead of relying solely on the traditional electricity grid for your energy, you will use energy generated by the solar system installed on your roof to power your home. A key point to remember is you will be charged for the energy generated, whether you use more or less. The rate usually is less than you would pay for traditional electricity, resulting in immediate savings on your energy bills.

While the solar company is responsible for solar panel upkeep and maintenance, you benefit from using clean energy and a reduced carbon footprint. At the end of your contract, you have the option to extend the PPA, purchase the solar panels at market value, or cancel and have the solar panels removed. Review your contract to evaluate all purchase options and terms.

Understanding your PPA You need to be comfortable with the agreement term before you sign a PPA. The rate you pay for solar energy in a PPA may be the same or less than what you might pay for retail electricity. If the expected monthly rate in a PPA is higher than your typical electricity bill, a different solar panel financing option may be a better fit for you.

While contracts may include fixed rates, read the fine print about annual price increases, called elevators, are often part of PPAs. Rising inflation and utility operation costs can further impact your savings or break-even point. With fixed rates, you expect the rate to remain the same for the contract length, but agreement details will include information about potential rate increases. Consider asking solar developers or current PPA customers about their experience with rate increases before deciding whether a PPA fits your budget.

Three key entities are involved in a PPA: you (the homeowner), a solar developer and the utility grid. Everyone must agree to the terms of the PPA before solar can be installed and activated.

Solar developer The solar developer is responsible for designing, coordinating, building and maintaining the solar panels. They pay the upfront costs and own the panels. The developer will also reREAL ESTATE

Purchasing a solar system outright is not for every budget, and tax incentives are not beneficial to every homeowner. If you’re searching for another solar option, explore the benefits of a PPA. t 11"T BSF BO PQUJPO UP BWPJE FYQFOTJWF VQGSPOU TPMBS DPTUT and pay a monthly bill instead of paying for solar panels and other equipment like solar batteries. t ɨF TPMBS EFWFMPQFS JT SFTQPOTJCMF GPS NBJOUFOBODF GPS the duration of the contract. t :PV FOKPZ FDP GSJFOEMZ FOFSHZ BOE MPXFS NPOUIMZ FOFSHZ costs. t 3FEVDF ZPVS DBSCPO GPPUQSJOU

PPA considerations There are additional factors to consider before entering a PPA. Review the following before signing a contract. t *G UIF TPMBS TZTUFN JOTUBMMFE EPFT OPU DPWFS QFSDFOU PG your energy needs, you may end up paying two bills, one to the solar developer and another to your utility. t %FQFOEJOH PO UIF BWBJMBCMF JODFOUJWFT JO ZPVS TUBUF ZPV may have to pay higher property taxes due to solar panel installation. t :PV BSF OPU UIF PXOFS PG UIF TPMBS QBOFMT TP ZPV DBO OPU benefit from tax incentives or rebates.

Solar PPA FAQs What’s the difference between a solar PPA and a solar lease?

PPAs and solar leases are similar, but the main difference is the monthly fee. In a solar lease, you pay a fixed monthly payment to the solar developer. In a PPA, you pay a fixed rate per kWh of energy generated.

Am I eligible for solar incentives under a solar PPA? No. In a solar PPA, you do not qualify for incentives because you do not own the panels.

What happens when my PPA contract ends?

When your PPA contract ends, you have three options.

You can terminate the PPA and the solar developer will remove the panels. If you want to keep the panels, you can sign a new contract. The third option is to purchase the solar system at its current value, which is much less than typical upfront costs because of the system’s age. Some PPAs may offer a buyout after a certain period of time before the contract is over. Read over the contract to fully understand your options. ©2023 Bankrate.com.

Distributed by Tribune Content Agency, LLC.

SATURDAY, JUNE 24, 2023

E5

On Gardening:

Heart to Heart ignites a fiery revival in caladiums

By Norman Winter The last few years have been like a revival of the gardening spirit when it comes to The Gardening Guy and caladiums. In the ‘90s I went bonkers planting caladiums and impatiens as partners, and suddenly I stopped. I can’t even remember why. Now I am clowning around with caladiums.

That was a little tongue and cheek — the truth is that I have discovered Heart to Heart Clowning Around caladiums. When my bulbs came in, I repeated my process from last year. I got my Twist ‘n Plant auger attached to my cordless drill and planted 40 bulbs in just a couple of minutes.

If you ever try this auger — not only with bulbs, but also with the pots most petunias and such are grown in — you will be hooked.

The old saying “a watched pot never boils” can also be reworked to “a watched caladium bulb never sprouts.” I said to myself, “Now I know

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SANTA BARBARA NEWS-PRESS

what they were named Clowning Around. They are down in my bed playing caladium games.”

The real reason is soil temperatures stayed cool for a lot longer than normal, which delayed the sprouting. They are now growing like they are on steroids.

Heart to Heart Clowning Around is considered a shade to part shade caladium. It is a fancy-leaf variety with clear bright rose-pink veins, cream orange areas surrounding and between veins with olive green, often raised areas on the edge giving the plant an interesting, textured appearance similar to one of its parents, Twist and Shout.

Producers will tell you caladiums are like Forrest Gump’s reference to how “life was like a box of chocolates; you never know what you’re gonna get.” Over a long season of shifting light, temperatures and maturity, caladiums have a lot of looks to enjoy in the growing experience. That being said, my Heart to Heart Clowning Around

REAL ESTATE

SATURDAY, JUNE 24, 2023

CALADIUMS continued on page 10

Saturday’s

Sunday’s

Open Homes Open Homes To view this weekend’s Open Home Guide and all other Real Estate for sale or rent go to: newspress.com – click on RESPONSES – click on OPEN HOMES

To view this weekend’s Open Home Guide and all other Real Estate for sale or rent go to: newspress.com – click on RESPONSES – click on OPEN HOMES

GOLETA NORTH

HOPE RANCH

6141 La Goleta 3/2 2-4 $1,549,000 This single-level residence offers 1,618 sq. ft. of living space.

Situated on a generous 8,712 sq. ft. lot, this well maintained home presents a wonderful canvas awaiting your personal touch. You’ll appreciate the manicured front yard.

Mike Richardson, Realtors Kyle Richardson 805-680-3131 # 01902531

HOPE RANCH

1-4 $5,575,000 700 Via Hierba 4/2.5 Elegant Hope Ranch estate with pool, tennis-pickle ball, spa, updated kitchen, ready for summer entertainment.

Market Ready Properties Alden Fairbanks 805-455-7416

# 00952941

LA CUMBRE

1-4 $5,575,000 700 Via Hierba 4/2.5 Elegant Hope Ranch estate with pool, tennis-pickle ball, spa, updated kitchen, ready for summer entertainment.

1-4 $1,150,000 4152 Via Andorra #A 3/2 Remodeled townhouse style condo with large fenced yard. New Kitchen & Baths, Living room with fireplace, private laundry room and 1 car garage.

Market Ready Properties Alden Fairbanks 805-455-7416

Coldwell Banker Realty Lizette Pedroza 323-500-7537

# 00952941

# 02160420

LOMPOC

LA CUMBRE 1-4 $1,150,000 4152 Via Andorra #A 3/2 Remodeled townhouse style condo with large fenced yard. New Kitchen & Baths, Living room with fireplace, private laundry room and 1 car garage.

218 S I Street 3/2 11-2 $549,000 Discover tranquility in this spacious, 1925 Spanish-style home!

Coldwell Banker Realty Lizette Pedroza 323-500-7537

Zia Group | eXp Realty of California, Inc. Shamanta Cruz 805-266-5001 # 02131762

# 02160420

LOMPOC

MONTECITO - LOWER VILLAGE

218 S I Street 3/2 10-1 $549,000 Discover tranquility in this spacious, 1925 Spanish-style home!

Zia Group | eXp Realty of California, Inc. Rafael Mora 805-729-6912 # 02080380

MONTECITO - LOWER VILLAGE

3/2 1560 N Jameson Lane 1-3 $3,850,000 An enchanting San Ysidro Ranch style 3BR+office home awaits.

Enter this lush, serene gated paradise, with an ample yard, a charming detached structure, plus a garden shed. Situated within the beloved Hedgerow, across from the Rosewood Miramar Resort.

Coldwell Banker Realty Taylor & Tara Toner 805-451-4999 # 01957054

MONTECITO - UPPER VILLAGE

3/2 1560 N Jameson Lane 1-3 $3,850,000 An enchanting San Ysidro Ranch style 3BR+office home awaits.

Enter this lush, serene gated paradise, with an ample yard, a charming detached structure, plus a garden shed. Situated within the beloved Hedgerow, across from the Rosewood Miramar Resort.

Coldwell Banker Realty Taylor & Tara Toner 805-451-4999 # 01957054

4/6.5 12-3 1439 Irvine Lane $11,250,000 Spectacular and tranquil ocean views from this classic Mediterranean estate designed by renowned architect Don Nulty. Newly refreshed and beautifully staged!

Berkshire Hathaway HomeServices California Properties J.J. Gobbell 805-403-5785 # 02063124

MONTECITO - UPPER VILLAGE 4/4.5 1-4 839 & 841 Summit Road $8,500,000 Beautiful ranch-style ocean view home with the opportunity to create a magical estate.

To Place Your Real Estate Ad

Berkshire Hathaway HomeServices California Properties Rick Sawyer 805-680-7425 # 00868222

email: realestate@newspress.com

OPEN HOUSE DIRECTORY We no longer take submissions via e-mail, instead an easy-to-use form can be found at newspress.com Click on “RESOURCES” then click on “TO PLACE AN OPEN HOMES AD” Deadline is 5 p.m. on Wednesdays for the following Friday & Weekend publications.

If you have any questionsplease e-mail: openhomes@newspress.com

or contact us at 805-564-5247 SANTA BARBARA NEWS-PRESS

REAL ESTATE

SATURDAY, JUNE 24, 2023

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Santa Barbara County Sales This is a partial list of all recorded residential sales in Santa Barbara County from June 5 thru June 9, 2023.

While these recordings are public record, the News-Press receives this information from an outside source. This list does not represent all sales that occurred over this time period. Consult your REALTOR® for further information regarding home sales in your area of interest.

AREA

ADDRESS

SELLER

BUYER

PRICE

DATE

BUELLTON / SOLVANG

371 SCANDIA WAY

GLAUS MICHELLE EA

FITZGERALD DEANNA

$100,500

6/9/2023

CARPINTERIA

701 LINDEN AVE

BENNETT WILLIAM EA

701 LINDEN LLC

$5,650,000

6/5/2023

GOLETA

7386 CALLE REAL 35

MCKNIGHT LAURIE

VIRGEN JORGE EA

$740,000

6/9/2023

679 MAYRUM ST

KELLY ALLAN

MOAS AVI

$895,000

6/5/2023

697 ROSSMORE RD

YOUNG JOHN EA

COLE TAYLOR EA

$1,175,018

6/9/2023

5134 CATHEDRAL OAKS RD

LOFTUS THOMAS EU

NATHAN SANDRA EU

$2,600,000

6/8/2023

4897 VIA LOS SANTOS

LOCKHART DEENA EA

MONARCA GROUP EA

$2,900,000

6/9/2023

GUADALUPE

4443 ELM ST

MASALTA DIANE

GOMEZ HECTOR EA

$555,000

6/9/2023

LOMPOC

1323 CROWN CIR

METZGER JOHN EU

FIGUEROA LUIS

$360,500

6/7/2023

112 S N ST

LINET LETICIA

RODRIGUEZ MARVIN

$460,000

6/9/2023

205 N SEVENTH ST

ORTEGA SAUL EU

NAVARRO ENICBERTO EA

$515,000

6/9/2023

916 W ANTHONY WAY

SOLORIO ROBERT EA

PEREZ JOSE EU

$565,000

6/8/2023

800 E OCEAN AVE

EPSTEIN SYDNEY EA

MONTFORT JOHN EA

$600,000

6/8/2023

213 S FOURTH ST

FLLER THEODORA

VOYLES JAMES EU

$750,000

6/5/2023

1420 W NORTH AVE

LOMPOC CA SENIOR PROPERTY

1420 W NORTH LLC

$7,996,500

6/9/2023

231 MIDDLE RD

SVOBODA SANDRA EA

LEE HANNA EA

$5,300,000

6/7/2023

1212 EAST VALLEY RD

BENDY CONRAD EA

NICOLAS PAUL EA

$6,100,000

6/7/2023

420 TORO CANYON RD

REIHENTAL DORIT

CARONE PAUL EA

$8,950,000

6/7/2023

2035 CREEKSIDE RD

VANDEVER MELISSA EU

WATHEN CAROL EA

$10,250,000

6/8/2023

2648 STATE ST 25

YANG QIN EU

BARTAL DANIEL EA

$972,500

6/5/2023

4012 INVIERNO DR A

BASHIRI SHADI EU

DUNCAN ROBERT EA

$1,250,000

6/9/2023

1824 GRAND AVE

CASTELLARIN ALESSANDRO EA

SOFRIN WILLIAM EA

$1,680,000

6/7/2023

20 ABIGAIL LN

WILEY STEPHEN EA

MCHUGH JOHN EA

$2,275,000

6/8/2023

1011 RINCONADA RD H

TEMPLE JOHN

AFSHAR MICHAEL EA

$2,500,000

6/6/2023

1917 BATH ST

PARKER GREGORY EA

KENT JILL EA

$2,850,000

6/6/2023

630 FLORA VISTA DR

MONARCA GROUP LLC

MILLER LINDSAY

$3,100,000

6/7/2023

438 EL CIELITO RD

THORSEN HENNING EA

SUDDLESON M KENNETH EA

$4,250,000

6/5/2023

1403 ALAMEDA PADRE SERR

HABRA JACQUES

POWER JUSTIN EU

$4,465,000

6/7/2023

506 S LINCOLN ST

HALL CHRISTOPHER EA

YOUNGBLOOD JESSA

$245,000

6/6/2023

3420 SANTA MARIA 205C

WANG RUI

CIBRIAN DIANA

$330,000

6/9/2023

MONTECITO

SANTA BARBARA

SANTA MARIA

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SANTA BARBARA NEWS-PRESS

REAL ESTATE

SATURDAY, JUNE 24, 2023

Santa Barbara County Sales AREA

ADDRESS

SELLER

BUYER

PRICE

DATE

SANTA MARIA

501 E HERMOSA ST

BARRAGAN MARIO EU

BARRAGAN-ROGRIGUEZ ELISABETH $415,000

6/7/2023

1124 VIA MAVIS

LAPIZ KIMBERLY

COFFIE JALEN

$450,000

6/6/2023

2823 S STARDUST DR

RUFFINO-KIES VICTORIA EA

COTHRAN MANNY EU

$615,000

6/6/2023

1853 S FLORA WAY

RAZO, HUGO R

BECERRA ELIJAH EA

$625,000

6/6/2023

922 W ANTHONY PL

ROQUE JUSTIN EU

MONTANO JANELY EA

$675,000

6/6/2023

4484 VIA SANTA MARIA

WYNN ROBERT

CHILDRESS AMBER EU

$780,000

6/9/2023

SUMMERLAND

3375 FOOTHILL RD 134

STERN CAROLINE

BOIKESS RICHARD

$1,850,000

6/6/2023

UNICORP

MISSION DR

2210 HILL HAVEN INC

RESIDENCE 10 LLC

$475,000

6/9/2023

MISSION DR

2220 HILL HAVEN INC

RESIDENCE 20 LLC

$475,000

6/9/2023

305 CRYSTAL CIR

URIBE VIVIANA EU

CABRERA SAMUEL EA

$610,000

6/6/2023

600 COLEMAN DR

HENDRICKS NATHANAEL

ORTEGA SAUL EU

$615,000

6/9/2023

540 MARIOTT RD

RUFFINO-KIES VICTORIA EA

MCGOVERN KELLY EA

$674,000

6/7/2023

221 VICTORY DR

IBSEN CLAUDIA

RHODA JOHNSON REALTY

$697,500

6/8/2023

341 MEDINAH LN

SKOGEBO JOAN EA

SICAT DONALD EU

$700,000

6/9/2023

133 GALAXY WAY

KULP DONALD

UNRUE ROBERT EA

$730,000

6/7/2023

716 CARINA DR

ONDRIZEK ROBERT EA

URIBE ARMANDO EU

$759,000

6/6/2023

733 MERCURY AVE

LANCHONEY CHRISTOPHER EU

FINNERAN CLARA EU

$850,000

6/7/2023

2138 ARROWHEAD DR

ESGUERRA-LEVINSON EA

GRABAU LOREN

$879,000

6/9/2023

3476 WILLOW ST

UCLA FOUNDATION

LOUNSBURY HANNAH EU

$1,000,000

6/9/2023

Real Estate Q&A:

Question: My long-term boyfriend has lousy credit but makes a good living and wants to buy a house and stop renting. I make less money but have much better credit. We are being told that I will need to cosign the loan for it to be approved. I trust him, but should I be concerned?

– Kelly

Should I cosign home loan for boyfriend with lousy credit?

Answer: In my law practice, I have seen the situation you describe go wrong many times. While it is true that no one consults with a lawyer to tell them that everything worked out OK, you are right to be concerned.

While it is important to help the people you care about, whether a love interest or a family member, you should also treat such help with a critical eye and take reasonable precautions.

Fortunately, you can do some specific things to protect yourself in this situation.

Your best protection is having an ownership interest in anything you cosign a loan to buy. Make sure your name is put on the deed as a co-owner of the new home.

By owning part of the property, you have some control over it, and if things go wrong in your relationship, you can force its sale to pay off the mortgage.

When you own part of a home, it comes with the typical responsibilities of ownership. Taxes will need to be paid, landscaping performed, and repairs made. Whenever someone owns property with someone other than a spouse, they should have a written co-ownership agreement drawn up.

This agreement, often called a “cohabitation agreement,” deals with a wide range of details, including designating who is responsible for maintenance, what happens if one of the co-owners wants to sell while the other does not, what happens if someone passes away, and how the equity is split when the property is sold.

The importance of drafting this agreement is two-fold: it makes you think through the ramifications of owning a home together and sets out solutions for everyday problems before the stress of dealing with those problems sets in.

By Gary M. Singer

Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. He practices real estate, business litigation and contract law from his office in Sunrise, Fla. He is the chairman of the Real Estate Section of the Broward County Bar Association and is a co-host of the weekly radio show Legal News and Review. He frequently consults on general real estate matters and trends in Florida with various companies across the nation. Send him questions online at www.sunsentinel.com/askpro or follow him on Twitter @GarySingerLaw. ©2023 Distributed by Tribune Content Agency, LLC.

SANTA BARBARA NEWS-PRESS

REAL ESTATE

SATURDAY, JUNE 24, 2023

E9

CALADIUMS continued from page 6 caladiums are in a little more sun, and they’re absolutely electrifying.

I have them partnered with Surefire Cherry Cordial begonias, Royal Hawaiian Maui Gold elephant ears and Luminary Sunset Coral tall garden phlox. I referenced it on my Facebook post as “Good Laudy This is Getting Gaudy.” It is, and it is so fun and colorful.

I am also growing another one that’s new to me: Heart to Heart Raspberry Moon caladium. Right now, it is another that is not exactly what I had pictured — it’s better, and I think I have fallen head over heels for it.

It is another fancy-leaf type recommended for shade to part shade. By fancy-leaf I am talking elephant ear-shaped versus the other class, called strap-leaf. The strap-leaf types are beautiful but have more narrow leaves.

Heart to Heart Raspberry Moon leaves are described as light green with raspberry pink centers. Be still my heart. Mine are light or pale lime green with artist-like strokes of dark green and slightly more brush-like strokes of dark raspberry. These seem like random colors, as if unplanned and never to

be duplicated. I have mine paired with the award-winning Shadowland Coast to Coast host with chartreuse leaves, Shadowland Empress Wu with blue leaves and a 4-foottall golden leaf evergreen anise.

The Heart to Heart Collection now has 29 varieties. The breeders have already done more than I could have ever dreamed. The Heart to Heart Burning Heart with red foliage defies logic. It is breathtaking in the sun, where it looks on fire, or in the shady part of the day when the red darkens and looks like it was found in the jungle.

Next year, a new variety, Heart to Heart Rain or Shine, will debut with color that is indescribable. I was trying to figure out what I would write and then found the Proven Winners description. It reads: “large heartshaped leaves emerge in dramatic shades of deep bronze pink-red with soft pink speckles and black veining. In certain lights you might detect a hint of purple, too.” I can’t wait!

All I can say is, jump in and get your feet wet with Heart to Heart caladiums. The 29 varieties will take your breath away.

Photos courtesy Norman Winter/TNS Previous page, upper right: Heart to Heart, Rain or Shine caladium makes its debut in 2024. Look closely and see the colorful leaves are almost indescribable.

Previous page, center: Heart to Heart, Clowning Around caladiums add sizzle to this colorful bed that also contains Surefire Cherry Cordial begonias, Royal Hawaiian Maui Gold elephant ears, and Luminary Sunset Coral tall garden phlox.

Upper left: Heart to Heart, Raspberry Moon caladium looks hand-painted by an artist in this planting with Shadowland Coast to Coast hosta with chartreuse leaves, Shadowland Empress Wu with blue foliage and a golden leafed shrubby anise.

Upper right: Heart to Heart, Burning Heart caladiums display their shady colors in an almost jungle-like look at The Garden Guy’s house.

Each one shows their versatility growing in containers.

Norman Winter, horticulturist, garden speaker and author of “Tough-as-Nails Flowers for the South” and “Captivating Combinations: Color and Style in the Garden.” Follow him on Facebook @NormanWinterTheGardenGuy. ©2023 Tribune Content Agency, LLC

E10

SANTA BARBARA NEWS-PRESS

REAL ESTATE

SATURDAY, JUNE 24, 2023

Real Estate Q&A:

How should I handle major flood damage caused by neighbor?

REAL ESTATE BUSINESS

BUSINESS

BUSINESS OPPORTUNITY

Gina M. Meyers (805) 898-4250 gmeyers@cbcworldwide.com Local Knowledge - Global Network 3820 State St., Santa Barbara, CA 93105 CalRE#00882147

Houses

Montecito

Local Fixer Upper Needed!!

Priv Pty wants rough single

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home or up to 4 units NOW! via Lease @ Option or seller will carry finan; great credit!

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Large Single–Story home with 4-Car Garage, Guest Cottage, Pool & Spa, Tennis Court, Orchard, Roses Private Gated Entry On Two Large Lots $8,500,000.

RICK SAWYER 805-680-7425 (#00868222) BROKER

Call now to price your business

GARAGE SALE WEAR YOUR MASKS AND BE CAREFUL!

Photos courtesy Colleen Swiatek, Dreamstime

By Gary M. Singer Question: I read with interest your recent article about the condo-dweller damaged by his neighbor’s leaky toilet. In that situation, the damage was minor. We had a situation where our upstairs neighbor had a major flood that severely damaged our apartment.

Should we address this differently?

- Janet Answer: Yes, addressing a small leak that causes minor damage can be different from dealing with more significant damage.

However, some parts of dealing with the problem remain the same.

When dealing with an issue such as this or any legal issue, ensure the damage is well documented. Write down what happened while it is still fresh in your mind. Take a lot of pictures.

When helping people in my law practice, I want as much information as possible, and you never know which picture or data point will help me win your case. Keep taking detailed notes throughout the process, including who you speak with and when. Then discuss the problem with your neighbor and report it to your community association manager.

Your next step is to make a claim with your insurance company. While most condominium associations carry insurance, it usually only covers the building and common areas. Unit owners must get coverage for their units and their contents.

While many people forego this coverage to save money, I strongly recommend that every condo unit owner get an individual insurance policy. This insurance should cover the damage to your ceiling, walls, and floor, as well as your cabinets, fixtures and personal items.

As part of this process, your insurer will want you to be “subrogated” for the claims, meaning they will try to collect the money they paid you for the damage from your neighbor who caused the problem.

You may not be able to go after your neighbor for any damage the insurance did not pay you for, so speak with your insurance company about this if you think you may want to go this route.

Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. He practices real estate, business litigation and contract law from his office in Sunrise, Fla. He is the chairman of the Real Estate Section of the Broward County Bar Association and is a co-host of the weekly radio show Legal News and Review. He frequently consults on general real estate matters and trends in Florida with various companies across the nation. Send him questions online at www.sunsentinel.com/askpro or follow him on Twitter @GarySingerLaw.

WHAT SHOULD YOU NOT SELL? ࠮ 0[LTZ TPZZPUN ZHML[` WHY[Z ࠮ <U\ZLK WYLZJYPW[PVU KY\NZ VY TLKPJH[PVUZ ࠮ 7LYZVUHS O`NPLUL P[LTZ ࠮ /HSVNLU ÅVVY SHTWZ ࠮ 6SK IHI` JYPIZ VY WSH`WLUZ PUJVTWSL[L JOPSK ZHML[` ZLH[Z

ADVERTISING WHAT SELLS BEST? ࠮ ;LSS `V\Y MYPLUKZ MHTPS` VY ࠮ ;VVSZ! .\`Z SV]L P[ HSS HU` RPUK JV ^VYRLYZ HIV\[ `V\Y ZHSLZ ࠮ )HI` P[LTZ LZWLJPHSS` >VYK [YH]LSZ JSV[OPUN UV[ JYPIZ WSH`WLUZ VY ࠮ 7SHJL H JSHZZPÄLK HK PU [OL PUJVTWSL[L JOPSK ZHML[` ZLH[Z :HU[H )HYIHYH 5,>: 79,:: ࠮ *SV[OPUN! 2PKZ HUK HK\S[Z 9LTLTILY [V JOLJR [OL ࠮ 2P[JOLU HWWSPHUJLZ W\ISPJH[PVU»Z KLHKSPUL ࠮ 0U `V\Y HK NP]L SV[Z VM KL[HPSZ GATHERING ITEMS 0UJS\KPUN HKKYLZZ KH` Z ࠮ ;LZ[ HU` LSLJ[YPJHS P[LTZ [V [PTL VM `V\Y ZHSL THRL Z\YL [OL` ^VYR ࠮ *VSSLJ[ `V\Y P[LTZ HUK SIGNS ZVY[ P[ I` [`WL ࠮ *OLJR `V\Y SVJHS VYKPUHUJLZ JSV[OPUN [V`Z [VVSZ L[J ࠮ 3PZ[ HKKYLZZ HUK ZHSL KH[L VU ࠮ ;HRL [PTL [V JSLHU VY YLWHPY HSS ZPNUZ ࠮ 3PZ[ THQVY P[LTZ Z\JO HZ ¸3V[Z `V\Y P[LTZ VM RPKZ JSV[OLZ ¹ ࠮ >HZO HSS [OL JSV[OLZ ZV [OL ࠮ 7VZ[ ZPNUZ H[ THPU ZTLSS MYLZO PU[LYZLJ[PVUZ ࠮ 2LLW H SPZ[ VM ^OLYL `V\ WHAT SELLS BEST? WVZ[LK `V\Y ZPNUZ ࠮ ;VVSZ! .\`Z SV]L P[ HSS HU` RPUK ࠮ )HI` P[LTZ VM HSS RPUKZ LZWLJPHSS` JSV[OPUN ࠮ 2P[JOLU HWWSPHUJLZ ࠮ *SV[OPUN! 2PKZ HUK HK\S[

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Skateboard Park Opening Soon!

Nearby Sports Shop $89K Rent $2410. Owner nets $60-80K Includes $60K inventory

NEW: $599K - Absent Owner earns $165K Beach style Breakfast/Lunch restaurant.

Exc. location on tourist path from beach.

NEW: Profitable Dog Grooming $149K Fully equipped. Exc. location w/parking Only open part time & Nets $75,000!

NEW: Do you do Tile/Stone Biz? $399K Expand your company & net $175K !

NEW: SB Fast Food $200K On target for $1 Mil Gross!15’ Hood Hi traffic corner. Big delivery/pickup biz.

NEW : Rest. at UCSB $175K+inv.

Owner nets $120K. Franchise.

A passive income possibility.

Brkfst/Lunch Rest $240K Popular Fixture in coveted location. Rent only $4900!

129 E. Anapamu Bldg $1.9 M or include Type 47 Liquor Lic valued at $350K $2.2. Dwntwn SB. Remodeled.

SOLD SOLD: Art’s Corner Cafe Vta SOLD: Le Cafe Stella SB SOLD: Laundromat $599K SOLD: Mailing Franchise $499K SOLD: 2 Wine Bars (SB/SY)

www.SBBusinessBrokers.com Sharon@SBBusinessBrokers.com

1FUT Do you need to find a good home for your pet? %PHT t $BUT t (VJOFB 1JHT t )BNQTUFST 3BCCJUT t #JSET t &WFO )PSTFT t %JE * NFOUJPO ĕTI 5SZ PVS DMBTTJĕFE TFDUJPO JO UIF 4BOUB #BSCBSB /FXT 1SFTT FNBJM DMBTTBE!OFXTQSFTT DPN

©2023 Distributed by Tribune Content Agency, LLC.

SANTA BARBARA NEWS-PRESS

BEFORE YOUR SALE ࠮ 7YLWHYL [V Z[HY[ LHYS` *VSSLJ[VYZ HUK HU[PX\L KLHSLYZ SPRL [V ZOV^ \W LHYS` PU [OL TVYUPUN ࠮ 6I[HPU H WLYTP[ PM YLX\PYLK ࠮ *SLHU \W `V\Y ZWHJL 7LVWSL SPRL JSLHU HUK ULH[ WSHJLZ ࠮ .H[OLY SV[Z VM ZOVWWPUN IHNZ

805-899-2919 Se Habla Espanol Call for FREE Consultation

REAL ESTATE

SATURDAY, JUNE 24, 2023

E11

OPEN SUN 1-4

HOME IS OUR FAVORITE DESTINATION

4156 Vista Clara Rd | Santa Barbara | 5BD/3BA DRE 01751940/01985594 | Offered at $2,849,000 Bowe/Aljian 805.698.1971

OPEN SAT 1-4

914 Medio Rd | Santa Barbara | 4BD/3BA DRE 01509445 | Offered at $2,895,000 Aaron Gilles 805.895.1877

20 Camino Alto | Santa Barbara | 4BD/5BA DRE 02082960 | Offered at $7,999,000 Elizabeth Slifirski 805.222.0147

4305 Via Presada | Santa Barbara | 4BD/4BA DRE 01463617 | Offered at $6,895,000 Knight Real Estate Group 805.895.4406

1493 Sycamore Canyon Rd | Santa Barbara | 5BD/7BA DRE 01509445 | Offered at $4,995,000 Aaron Gilles 805.895.1877

2101 Mountain Ave | Santa Barbara | 6BD/6BA DRE 00978392 | Offered at $4,300,000 Sener Jones Associates 805.969.8900

6572 Stagecoach Rd | Santa Barbara | 5BD/3BA DRE 01440068 | Offered at $2,495,000 Crawford Speier Group 805.683.7335

3375 Foothill Rd 1114 | Carpinteria | 3BD/2BA DRE 00835438 | Offered at $2,400,000 Jackie Walters 805.570.0558

OPEN SAT 12-2 SUN 12-3

OPEN SAT/SUN 1-3

OPEN SAT 12-3 SUN 2-4

1523 Marquard Terrace | Santa Barbara | 3BD/2BA DRE 02199747 | Offered at $1,590,000 Elena Abel 805.681.8800

244 Ranch Rd | Buellton | 4BD/2BA DRE 01921235 | Offered at $995,000 Michelle Glaus 805.452.0446

45 Dearborn Pl 44 | Goleta | 1BD/1BA DRE 00768348 | Offered at $555,000 Jane Runyen 805.689.5564

2175 Mora Ave | Santa Ynez | 20.23± Acres DRE 00753349 | Offered at $2,995,000 Carey Kendall 805.689.6262

4755 Sweeney Rd | Lompoc | 40± Acres DRE 01775462/02105209 | Offered at $895,000 Jordano/Eurich 805.680.9060

981 Coyote Rd | Montecito | 1± Acres DRE 01775462/02105209 | Offered at $795,000 Jordano/Eurich 805.680.9060

LOTS AND LAND

3718 Modena Way | Santa Barbara | 4BD/3BA DRE 00558827 | Offered at $1,950,000 Carla Reeves 805.689.7343

OPEN SAT 2-5

OPEN SAT/SUN 12-3

1970 Lemon Ranch Rd | Montecito | 3BD/5BA DRE 00914713 | Offered at $10,000,000 Tim Walsh 805.259.8808

OPEN SUN 1-4

2170 Ortega Ranch Ln | Montecito | 4BD/6BA DRE 01447045 | Offered at $16,250,000 Riskin Partners Estate Group 805.565.8600

1505 Camino Meleno | Santa Barbara | 556± Acres DRE 02044576 | Offered at $40,000,000 Cavaletto Group 805.452.7246 Exclusive Member of

All information provided is deemed reliable, but has not been verified and we do not guarantee it. We recommend that buyers make their own inquiries.

E12

SANTA BARBARA NEWS-PRESS

REAL ESTATE

SATURDAY, JUNE 24, 2023