The Real Estate Book of North King & Snohomish Counties, WA Home & Lifestyle Guide. Volume 27, Issue

NORTH KING AND SNOHOMISH COUNTIES, WA

HOME & LIFESTYLE GUIDE Volume 27, Issue 4

Stunning Views HIGH-BANK WATERFRONT HOME Text R867894 to 52187

RealEstateBook.com To Advertise, Call Sharman @ 360-333-9566

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LORI CLARK 360-840-5214 Coldwell Banker Bain Cover home on page 6

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Snohomish Windermere

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SNOHOMISH - INCOME POTENTIAL! Rental, Business op, AirBnB?? Custom 3BD 2.5BA 2824sf rambler w/ den + office on 1.66 acres. Covered deck w/patio. 36x48 shop with RV door & charming Barn! Original 3BD 1.5BA farmhouse too!

Call 360-568-1537

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MARYSVILLE - SUNNY SHORES 50’ of sandy beach w/ saltwater + mountain + island views! 2950sf Cape Cod showstopper w/ high end materials, thoughtful layout & VRBO potential 2 master BDs + DEN +5 BA. Guest quarters.

Call 360-568-1537

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Windermere RE / Snohomish, Inc. • (360) 568-1537 • www.snohomishwindermere.com

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GOLD BAR - NEARLY 20 ACRES Bordering May Creek with plenty of trees for your privacy and enjoyment. As Built, lot status determined, wetlands delineation, corners marked. Power in the street. Create your own paradise!

Call 360-568-1537

OAK HARBOR - BUILD YOUR DREAM HOME Large lot with gorgeous views of Dugualla Bay and Cascades! Power and water at street. Beach access with great fishing, crabbing, a boat launch and the community clubhouse.

Call 360-568-1537

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MONROE - 37+ ACRE ESTATE PROPERTY 20+ acres of rolling pasture land with large historic barn that has been converted to shop with office. New well installed in 2016. Electricity to barn/shop. Great for equestrian or possible sub-division.

Call 360-568-1537

HISTORIC EVERETT - TONS OF CHARACTER 3BD 1.75BA fixer. The most expensive renovation work has been completed. New concrete foundation, furnace & roof done in ‘03 & ‘04. Large corner lot with garage on alley.

Call 360-568-1537

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LAKE STEVENS - OPULENCE Stately 4BD 3.5BA 3449sf on 1+ acre picturesque setting. Epicurean kitchen. Sunlit Master suite w/ spa-like bath. Extensive hardwood floors. Vast stamped concrete patio & captivating yard.

Call 360-568-1537

STANWOOD - 20 ACRES Amazing estate property for your dream home! Or consider the possibility of developing and building additional homes. Close to Kayak Pointe and many other lakes. Power in the street, marketable timer on property.

Call 360-568-1537

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425-921-2200 www.edmondsrealty.net

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EVERETT Shovel ready view lot. 12,632 SF lot w/ all permits in place and can be renewed. Includes plans for 2059sf home.

Views of Port Gardner. MLS:1267561 Text R769676 to 52187 00

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GRANITE FALLS Corner level 0.22 acre lot in Canyon Falls Park. Private, country atmosphere. Timber on lot may be marketable. MLS:1285054 Text R798654 to 52187

FOR RENT

SHORELINE Updated 3BD rambler.

Kitchen w/ eating bar, granite counter tops & SS appls. Hardwood floors throughout. 200sf outbldg. MLS:1308062 Text R867902 to 52187

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EDMONDS BOWL Build here! 1/4 acre hideaway. Tranquil site, with sounds of birds & Shell Creek. Surrounded by woods w/ view of creek. MLS:1289895 Text R811714 to 52187

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M A G N O L I A Top floor view condo.

New gorgeous kitchen/quartz counters, modern cabinetry, Leibherr frig, eating bar. Spectacular views! MLS:1266162 Text R768909 to 52187

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EDMONDS BOWL 2nd floor unit w/ peek a boo Sound/Ferry/sunset views.

Well maintained building & solid HOA. Updated baths + kitchen. MLS:1324324 Text R899553 to 52187

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EDMONDS Elegant, bright brand NEW 3BD 2.5BA 2267 sf luxury custom home.

Gourmet kitchen, pantry. Stone walkway, patio, fully fenced. MLS:1300086 Text R837649 to 52187

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KENMORE Uplake neighborhood 3BD 1.5BA gardener's paradise! Living room opens to inviting garden and patio area.

Northshore School District. MLS:1319723 Text R891622 to 52187 99

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EVERETT Custom 6BD 3.75BA 6966sf w/ fabulous Sound/Harbor/Mt Baker views. Luxurious interior. 3-stop elevator.

Gourmet kitchen. MLS:1295674 Text R859226 to 52187

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SNOHOMISH 3 outdoor living areas!

4BD 3.75BA 4200sf on 0.61 acres. Chef’s kitchen w/AGA range, wine fridge & granite. Outdoor kitchen. MLS:1293786 Text R820326 to 52187

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Dennis Howard Owner

E V E R E T T - C O M M E R C I A L Zoned B2 w/ 210’ frontage on Evergreen Way. Two buildings. Multiple development possibilities. MLS:1283636 Text R798619 to 52187

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EVERETT - COMMERCIAL Duplex w/ 70’ of Evergreen Way retail / commercial street frontage. Complete remodel! Mfg, medical, cafe, other uses! MLS:1285413 Text R107713 to 52187

Services offered Call 425-921-2200 • Operations • Maintenance • Collections & Accounts • Reporting • Yearly Budgets & More T REN www.EdmondsRealty.net/commercialresidential-rentals.html FOR COMMERCIAL & RESIDENTIAL

Edmonds Realty is fully equipped to meet all your needs, from helping you find a rental at the right price to managing your investment property.

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FREE HUD Home List Please call 360-454-0629 for a list of HUD homes today! or visit www.Hudhomestore.com

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For More Info Text R885062 to 52187 VILLAGE AT SNOHOMISH Updated condo w/ light filled open floor plan. Living room w/ large windows, spacious dining area. 2 assigned parking spaces. R650

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For More Info Text R879694 to 52187 SNOHOMISH Total remodel! 3BD 2.5BA rambler on 7.7 acres. 2nd kitchen for possible MIL. Large shop w/pit for the mechanic & RV parking with hook ups. R647

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For More Info Text R725200 to 52187 HAT ISLAND Open floor plan w/ 23' ceilings & loft. Large kitchen w/ Jenn-Air stove, living area w/ wood burning stove. Entertainment size yard w/ fire pit. R616

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For More Info Text R841533 to 52187 MUTINY BAY Charming beach cabin! Sandy private member only beach, tennis court and pool. Gorgeous sweeping views of Mutiny Bay, Olympic Mts & sunsets. R638

For More Info Text R883314 to 52187 SEDRO WOOLLEY 4BD 2BA rambler w/ vaulted ceilings and high windows. Updated flooring, doors, & trim. Master suite with soaking tub. Backs up to green belt. R651

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For More Info Text R871385 to 52187 ARLINGTON Sisco Hieghts 3BD 2BA rambler on 5+ acres.

Formal living room and family room with a gas fireplace.

Park like yard with a huge carport for RV parking. R645

For More Info Text R862649 to 52187

For More Info Text R862692 to 52187

FLOWING LAKE 75ft low bank waterfront w/ boat launch & dock. 3BD 3BA 3946sf w/ 7.02kW solar system on 1.63 acres. 2nd kitchen & hanging loft. R643

ARLINGTON Craftsman style 4BD 2.5BA 3040sf on 1 acre.

Granite counters in spacious kitchen. Downstairs master suite w/ fireplace. Office, loft space, RV parking. R642

Wendy Smith

(360) 454-0629 4salebywendy@gmail.com Page 4

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Karen Eckerson (425) 238-2023 www.karen.withwre.com

Windermere INVITING 2-STORY, MINUTES FROM BOEING! 3BD 2.5BA w/ open concept living area/kitchen ideal for entertaining.

New paint upstairs & down, new carpet, 6 mo new H2o tank, custom wainscoting & gas fireplace. Master w/ walk-in closet & private bath.

Open area at top of stairs for rec rm or office. Lg laundry leads to fenced yard w/covered deck, patio & garden spc. 2 car garage & ample off-street pkg. Outside hot H2o hookups for potential pet wash. Short walk to end of street dog park & Walter Hall golf course.

To see more photos & information, Text R901930 to 52187

RE / JS

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On The Cover

ANACORTES HOME WITH STUNNING WATER VIEWS

LORI CLARK Breathtaking water views - Look no further!

Your own private oasis. Enjoy the peacefulness of your surroundings in this high- (360) 820-5214 bank waterfront home with lush greenery around you. This rustic home has poten- loriclark@cbbain.com loriclark.cbbain.com tial for extra income. Main level has 2BD 2BA, floor to ceiling stone fireplace and walls of windows for enjoying the views. 1BD 3/4BA ADU w/a private deck and an updated MIL in lower level. Just under an acre. $745,000 To see more photos, Text R867894 to 52187

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DOUG WILLIAMS ABR, ABRM, CRS, EPRO, GRI

dwilliams@remax.net

425-418-9542 $795,950

Text R871392 to 52187

NEWCASTLE 3BD 2.5BA 2,608sf rambler on shy acre. Kitchen w/ granite, SS appliances. Large formal dining room, sunken formal living room with ďŹ replace, 3 decks + patio, craft room, & wine room. 3 car garage plus RV hookup.

Mature koi in the pond too!

$459,950

Text R839591 to 52187

DUTCH HILL 4BD 2BA 2100sf w/ mountain views. Large master w/ sitting room. 11 x 6 secure room for valuables. New paint inside & out. Separate driveway to 28x36 shop. Easy access to highway, schools, close to golf and shopping, but still has a country feel.

NORTHWEST REALTORS

$499,950

Text R827102 to 52187

STANWOOD 30+ acres w/ farmhouse & barn! Great soils and lots of privacy.

The farm house could be made a show piece. The large barn is in good shape with great timber. There are lots of possibilities, close to town, and parks. Two tax account parcels.

Please contact Stewart Woods at 425-343-5288 if you are interested in any of these properties.

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CINDY CHAVES Cell: 425-359-6629 www.1st2trust.com

#LuxuryLiving #LuxuryLiving #Choices

One-of-a kind waterfront estate on Lake Shoecraft Nearly 180’ of lakefront, large dock w/ boat & PWC lifts. Aprox.

1.27 acres of manicured grounds w/ waterfall, fire-pit, boat launch & circ drive. 4BD 3.5BA 6,722sf home w/ 10-20’ ceilings, 3 fireplaces, in-floor radiant heat + heat pump w/AC. High end home theater, full bar, more. Detached shop w/1,200sf Guest home. Adjacent 5 acre parcel also available. MLS:1312023 To see more photos, Text R910366 to 52187

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GET GREENER PLUMBING, TODAY You may be greening up your cleaning products or your eating habits, but have you stopped to consider your plumbing?

Read the following green plumbing tips, and reach out to your local, trusted plumber to help implement them.

INSULATE WATER PIPES. Heating water for homes can account for as much as 30 percent of residential energy consumption. By insulating the pipes and using high-grade pipe insulation, it can lower the energy expenditure needed to heat your water. Your plumber can install insulation on your pipes and save you money in the process.

INSTALL WATER SAVING FEATURES. In older homes, plumbing features such as faucets, showerheads and toilets are as historic as the homes themselves. By replacing these dated units with modern, energy-efficient counterparts, you can reduce leaks, conserve water and reduce your energy bill.

• Newer and more efficient toilets can cut down the amount of water used by as much as 80 percent. A low-flow toilet only uses 1.28 gallons of water per flush, whereas a full-flow toilet uses 3.5 gallons per flush. A dual-flush toilet uses only 1.6 gallons for solid waste and only 0.8 gallons for liquid waste. A

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newer toilet can translate to a potential savings of 10,000 gallons of water each year. Newer toilets essentially pay for themselves, so get your plumber to install one today.

• Install a tankless water heater, which uses much less energy than a standard water heater. Instead of wasting energy keeping a huge reservoir of hot water at all times, a tankless water heater heats the water only as it is needed.

• Replacing a traditional showerhead with a low-flow showerhead will reduce the traditional water usage by around 50-70 percent. The homeowner can also get their plumber to install an even greener shower product, the steam shower. While traditional showers use 25 gallons of water per shower, a steam shower uses around 1 gallon of water per shower.

INSPECT YOUR HOME PLUMBING FOR LEAKS. Detecting leaks can be a difficult task, and in some cases, small leaks can be unnoticeable to an untrained homeowner. Hire a professional to help you hunt down hard to spot leaks.

Contact your plumber today, and together you can implement these tips to save money and the environment. Your plumber might also have additional green plumbing solutions they can bring to your home.

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TOP 9 REVERSE

MORTGAGE MYTHS SEPARATING FACT FROM FICTION Recent headlines pointing to the detriments of reverse mortgages aren’t getting the story straight. A leading reverse mortgage lender, Generation Mortgage Company, wants to separate fact from fiction.

“Because so many Americans over the age of 62 are facing significant financial stress due to dropping retirement and savings account balances, as well as higher healthcare costs, many groups are targeting seniors under the guise of helping them,” said Scott Peters, CEO and President of Generation Mortgage. “HECM reverse mortgages are Federal Housing Administration-insured products and are heavily scrutinized by regulators and legislators looking to protect seniors’ best interests. As a result, more than 600,000 American seniors have obtained reverse mortgages that have enriched their lives by allowing them to stay in their homes and pay off their bills.”

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THE MOST COMMON REVERSE MORTGAGE MYTHS INCLUDE: Myth: If I take out a reverse mortgage the lender will own my home.

Fact: False. Homeowners still retain title and ownership to their homes during the life of the loan, and can choose to sell the home at any time.

As long as the house is maintained and property taxes and homeowners insurance are paid, the loan cannot be called due.

Myth: My children will be responsible for the repayment of the loan.

Fact: False. Reverse mortgages are non-recourse loans. That means, if the property is sold to pay-off the loan when the homeowner passes away or decides to leave the home for other reasons, there will be no mortgage debt for the family and heirs to repay. The maximum amount owed is the current market value of the house. If the homeowner’s heirs want to keep the home, they would pay the balance in-full to the reverse mortgage lender.

Myth: I can’t get a reverse mortgage if I have an existing mortgage.

Fact: False. With enough equity, you may be able to pay off your existing mortgage or other debt with the reverse mortgage. The reverse mortgage must be in a first lien position, so any existing mortgage must be paid off. Seniors who take out reverse mortgages are free to do anything they want with their reverse mortgage proceeds. Paying off an existing mortgage is the number one reason most seniors take out a reverse mortgage.

Myth: Only low-income seniors get reverse mortgages.

Fact: False. Although some seniors may have a greater need than others for the monthly proceeds or lump sum funds reverse mortgages offer, most simply prefer to be free of monthly mortgage payments. Without monthly mortgage payments, many homeowners find they can maintain their existing quality of life and build their savings to help with future expenses. A growing number of people who have no immediate need are taking out these loans so that they have a financial cushion for future expenses.

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Myth: If I outlive my life expectancy, the lender will evict me.

Fact: False. Reverse mortgage lenders put no time limit on how long seniors can stay in their homes. Since homeowners still own the property, lenders cannot evict them, provided they follow the program guidelines.

Myth: There are no objective advisors available to seniors trying to decide if a reverse mortgage suits their needs.

Fact: False. Borrowers are required to work with independent, third party counselors approved by the U.S. Department of Housing and Urban Development (HUD) in their local communities. This educational session helps them make the right decision for their unique situations.

Myth: There are restrictions on how reverse mortgage proceeds may be used.

Fact: False. There are no restrictions.

The cash proceeds from the reverse mortgage can be used for virtually any purpose and borrowers should be cautious of lenders attempting to cross sell other products. Many seniors have used reverse mortgages to pay off debt, help their kids, make ends meet or to have a financial reserve.

Myth: Reverse mortgage lenders take advantage of seniors.

Fact: False. Seniors who have been victims of reverse mortgage lending schemes are extreme exceptions and typically victims of unsavory lenders.

As a consumer, you should only work with lenders who are Better Business Bureau and National Reverse Mortgage Lenders Association (NRMLA) members and adhere to those organizations’ strict Code of Ethics and Standards for Trust.

Myth: I’ve heard I won’t qualify for a reverse mortgage because of my limited income.

Fact: Unlike a traditional mortgage where mortgage payments must be made each month, a reverse mortgage pays you. Because of this, many seniors who do not qualify for traditional financing are eligible for a reverse mortgage.

5/22/18 3:44 PM

STUDY REVEALS BEST TECHNIQUE FOR PRICING A HOME The best technique for pricing a home when listing it for sale is setting the asking price just below a round number, according to recent research published by the Journal of Housing Research.

These findings will help real estate professionals and anyone else selling their home develop more informed listing and marketing strategies to better suit sellers’ needs.

The results of this study take a lot of guess work out of the marketing of homes for real estate professionals.

The study looked at 1,000 buyers in Virginia considering a pool of more than 370,000 listings. The researchers were able to determine the impact of “rounded pricing” listing strategies versus “just below pricing” listing strategies.

“Our study suggests that by using the just below pricing strategy sellers can price their home slightly higher without driving away potential buyers,” says Eli Beracha, Ph.D., of Florida International University, who conducted the study with Michael J. Seiler, Ph.D., of The College of William & Mary. “As a result, they end up selling their house for more.”

How does dropping your asking price ever so slightly impact the final outcome?

“On average, buyers are more attracted to a house priced at $199,000 than to a house priced at $200,000 and it appears that ‘just

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below’ pricing works out favorably for sellers in terms of their bottom line,” Beracha explains. “Based on our research, the ‘just below’ pricing strategy yields a selling price that is, on average, roughly 2.5 to 3 percent higher, $5,000 to $6,000 on a $200,000 house, compared with a rounded pricing listing strategy.”

While residential real estate agents may disagree on the appropriate pricing strategy to use when listing residential real estate for sale, the researchers found that homebuyers more often prefer homes priced using a “just below” pricing strategy. This preference allows sellers to list their home for a higher initial listing price.

On the other hand, due to the demand effect, rounded priced homes typically have shorter time on the market and a lower discount relative to listing price. Their findings suggest that sellers’ ability to set higher listing prices for properties using a “just below” pricing strategy outweighs the lower discount and shorter time on the market associated with similar rounded priced strategy homes.

“We tested the age-old debate concerning the best technique to price a home when listing it for sale,” Seiler says. “We find that using a price just below a round number works best, particularly in connection to the left-most digit in the price. So, $199,000 works better than $200,000.”

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FABULOUS CUSTOM ON 5+ ACRES 4BD 2.5BA 4,200sf built with love and craftsmanship. Unique atrium w/ automatic watering systems & pond to spend relaxing evenings.Additional 624sf roughed in for another bedroom, living area & plumbed for bath & kitchen. Covered BBQ area, large patio, landscaping, fruit trees, garden space, creek, privacy & more!

To see more photos & information, Text R910362 to 52187

Text R834479 to 52187 - $279,900

Text R782871 to 52187 - $249,950

BURLINGTON 3BD 1.75BA Rambler on on large lot. Big living room with fireplace. Good size kitchen w/dining area. Fully fenced back yard w/covered patio.

SOAP LAKE Ideal coffee & Ice Cream location. Cook stove & dish washing station. Huge basement for storage & possible live on site option. 1 block to the Lake.

Text R825342 to 52187 - $450,000

Text R829682 to 52187 - $355,000

SNOHOMISH Rehab w/ sweat equity potential! Beautiful 8+ acres w/ moutnain views. Large 2 story w/ 3BD 2BA & loft.

Snohomish school district. As-Is.

ARLINGTON 3BD 1.75BA on 5 acres.Wooded trails, small fruit orchard & garden areas. Big shop garage & carport.

Large deck for entertaining. No CC&Rs! Page 9

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13 New Homes from the mid $400’s RAMBLERS & 2-STORIES 1630 to 2196 SF 2 - 3 Car Garages

OU T!

Open: Weds - Sun, 1 to 4

SO LD

PHASE 2 READY!

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(IN GREEN)

DIRECTIONS: I-5 Exit 227, East on College Way, Left on Martin to SummerSun Estates in Mount Vernon

STANWOOD 284th

9 NEW HOMES!

G PENDIN

G PENDIN

G PENDIN

FOR DIRECTIONS set your GPS to: 6915 284th St NW Stanwood

2206sf 3BD+Den 2BA Kitchen w/slab granite island. Covered patio. Landscaped and fenced yard. MLS:1254973 $550,000 Text R722443 to 52187

R E A L E S T A T E JOHN L SCOTT/SKAGIT

2301sf 3BD 2BA + Den Open concept vaulted great room w/gas fireplace. Hardwood in great room area. MLS:1254962 $570,000 Text R722435 to 52187

MODEL HOME 28406 69th Lane Stanwood WA

2813sf 4BD 2.5BA + Den + Bonus rm. Den on main level. Landscaped.

MLS:1276029 $590,000 Text R781085 to 52187

KIM WOODMANSEE 360-421-5469

kimwoodmansee@johnlscott.com

KimWoodmansee.JohnLScott.com

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EVERETT - SILVER LAKE

See Virtual Tour at https://bit.ly/2L806pz

BEAUTIFUL PRIDE OF OWNERSHIP King’s Ridge 3BD 2.5BA 2117sf home. New furnace, new roof & gutters 3 yrs old, new hardwood floors, new exterior paint. Wonderful layout with glass doors to the sanctuary back yard, with oversize decking and mature landscaping for great privacy. Beveled cedar siding. Koi-pond with waterfall. Sit by the waterfall on the deck and BBQ with friends.

Location is key and this is close to all amenities. $555,000 To see more photos & Information, Text R899536 to 52187

Michelle Torset Listing Specialist

Marketing-Production

CELL

w w w. T h e To r s e t Te a m . c o m

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Shana Hoople Owner/Broker

425-422-3949 www.premierhomes.today

Text R748319 to 52187

MARYSVILLE - Custom 3BD 3BA 2560sf rambler w/ formal living & dining rooms, office & large open floor plan. Great room/kitchen area features quartz counters, whirlpool appliances, vaulted ceilings & a travertine fireplace. Covered concrete patio. Shop/storage area under home. $649,500 Text R805610 to 52187

BOW - Here is the property you’ve been searching for! 5 gorgeous flat acres in a fantastic location. Private & secluded yet just minutes from I-5. Power, septic & well are already in! Slab is still there from the previous manufactured home. Bring in new MH or build! $299,000 Text R899465 to 52187

GRANITE FALLS - Beautiful evergreens surround this 5 acre building site. Sellers have paid for Geo Teck Engineer, LDA Engineer, permits for 2560sf House & 40x36 Shop, all approved. Well site review, 4BD Approved septic system. This is ready to build Today! $225,000

Cheryl Munn Owner/Designated Broker

425-422-6608

www.propertiesbycheryl.com

Text R906281 to 52187

GRANITE FALLS - 4BD 2.5BA 3,598sf w/ huge bonus & office w/ french doors. Maple overlay cabinetry w/ granite counter top has large island, walk in pantry, double oven.

Oversize master suite. Covered expansive deck for outdoor enjoyment. Motivated seller! $469,950 Text R855908 to 52187

GRANITE FALLS - Absolutely gorgeous views on the 8.45 acres with manufactured home & shop. On the river with a private pond & mountain views. Large shop for additional parking for cars, lawn machines and tools or work area.

Individual well and 3BD septic. $250,000 Text R769709 to 52187

GRANITE FALLS - Ever dreamed of a mountain retreat?

Just a 2 hour drive from the Seattle area and you arrive for fun filled times and adventures. Includes all generators and equipment. Located on a county maintained road so can access year around. $229,950

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RICHARD B. PERDUE 425.344.6857

RichardSellsSeattle@gmail.com

www.RichardSellsSnoCo.com

www.RichardSellsSeattle.com Hablo EspaĂąol Thinking about Selling and Saving $$$ - Call today!

Classic Craftsman Farmhouse & Iconic Big Red Barn!

ARLINGTON - Virtual Tour @ https://bit.ly/2JByOT9 "Bring Your Dreams to the Country!" This Perfect, All-Inclusive Estate Features- A Turn-key & Updated 1913 3-story Craftsman-Style Farmhouse & 8,000+ Sq. Ft. 'Iconic' Big Red Barn, plus a separate detached Cabin/MIL, Detached 3 Car-Garage! Already set up to accommodate 100+ people for your Events. #BringYourDreams... the possibilities are endless. Property Amenities Include: Zip-line over Pond & Your Own Fertile Farmland! Priced to sell! Located 1 hour North of Seattle. $750,000 To see more photos & information, Text R871412 to 52187

Iconic Barn Features:

Farmhouse Features:

Empire heater in south Studio Roller shades in north & south Studios Updates to some sills & windows Laundry room Brand new main doors!

New metal roof

3BD 1.75BA 2054sf Old growth cedar siding Covered country porch Bullnose brick masonry Bay windows Wood wrapped windows

Country kitchen w/ Art Deco Can-O-Matic Heated floors Master suite on 2nd floor Enclosed back porch/utility Fully finished attic/bonus rm

I'm Richard Perdue, a premier real estate expert in the Puget Sound area. Whether you're looking to buy or sell in Seattle, Everett, Marysville, Arlington or anywhere in-between, I look forward to working with you. In this fast paced market you deserve an experienced Agent who has the knowledge & tools to navigate for your best interests. Contact me so I can keep you updated on the latest real estate news in our area. I'm looking forward to answering your questions and helping with any real estate needs you may have.

Richard B. Perdue 425.344.6857 Page 15

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KNOW WHAT GOES INTO YOUR CREDIT SCORE You’re probably well aware of how important your credit score is. A good score grants you access to loans and favorable interest rates for a mortgage, and opens up many different possibilities for a healthy financial future.

But do you know how your credit score is determined? Be aware of the factors used in credit-scoring models so you can work towards achieving a higher credit score, and therefore a better interest rate from your lender. Here are some of the top factors:

ON-TIME PAYMENT PERCENTAGE

HARD INQUIRIES

This is the percentage of payments you’ve made on time during your credit history.

This plays a big role in determining your creditworthiness, so just a couple of late payments could significantly impact your score for the worse. An easy way to avoid late payments? Set up automatic bill pay or create calendar reminders for bill due dates.

When you apply for a credit card, mortgage or auto loan, a hard credit inquiry is initiated on your credit report. One hard inquiry will usually have little impact, but multiple inquiries can have a larger impact. A soft inquiry is when you check your rate to see what you qualify for. If you’re unsure, check with your potential creditor or lender before applying to see if they will do a hard or soft pull.

CREDIT CARD UTILIZATION This is a percentage that is calculated by taking the total of your credit card balances and dividing that number by your total credit card limits. This will show creditors how much of your total available credit you are already using. The lower your credit card utilization, the higher your credit score.

TOTAL ACCOUNTS Consumers with more accounts (or more lines of credit) often have higher credit scores because it indicates that more lenders are willing to give them credit. Having a good mix of different types of credit is good for overall credit health as well. But be prudent: Only apply for credit you actually need.

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AVERAGE AGE OF OPEN CREDIT LINES The longer your credit history and the older your accounts the better. That’s why it’s a good idea to keep older cards open and active, and to start applying for credit at a young age.

DEROGATORY MARKS Derogatory marks are negative items on your credit report like collections, tax liens or bankruptcy. These records can stay on your credit report for 7 to 10 years. If you have one on your credit report, it can show a lender that you may have mismanaged your credit in the past. The best way to overcome derogatory marks is to start rebuilding healthy credit again. This will gradually weigh in your favor.

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FROM S G U B N A B E M O H R U O Y

HOW TO

While spiders and bugs are part of a natural ecosystem, when they invade your home, they’re often less than welcome. If you suspect something crawly is moving in, consider the following advice:

Caulking can go a long way to shoo bugs away. Seal tiny cracks and holes near your doors and windows and along baseboards with a strong tape that can be found at your local hardware store.

Store food in airtight containers (or keep it in the refrigerator). This is especially true for grains and sweets.

In addition, be sure to clean up after you cook so that there are no crumbs around to tempt bugs.

compost piles and yard waste. Never stack firewood against your home for the same reason.

Be aware of Federal laws that dictate that insecticidal products be registered. Guidelines allow the Environmental Protection Agency to evaluate a pesticide’s chemical toxicity to humans, pets and other organisms, as well as the pesticide’s environmental risks.

Follow instructions on product labels. In addition to always using the appropriate dose, take care to use the correct product for the job at hand. For instance, a pesticide registered for agricultural use wouldn’t be appropriate to use indoors.

And for those seeking a pesticide that doesn’t remain in the environment for Keep your yard free of debris. This will very long, a product containing essengo a long way toward ensuring that pests tial oils should be considered. don’t find shelter in your firewood stacks, Reduce clutter. Not only is clutter a nuisance, it can also provide shelter for insects. In addition to getting rid of clutter, take the time to clean kitchen and bathtub drains, as they can be another breeding place.

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Here are more specifics about certain types of pests to guide you.

Mosquitoes. Not only are mosquitoes incredibly annoying as they buzz about—and bite—but they can transmit serious pathogens that cause diseases like Zika and West Nile viruses. Eliminate all sources of standing or stagnant water. Empty and replace water in planters, bird baths and pet dishes.

Keep other water-prone areas like gutters clear. Finally, set up a perimeter around your home that you’ll spray to keep insects away during spring and summer months.

Termites. Keep the area under and around your house free from wood debris, above and below ground. Stack firewood away from the house and off the ground. Damp soil also puts your home at risk, as termites prefer moist soil. If you find termites in your yard, use a termite killer. If they manage to infest your home, call a professional to assess the damage, identify the termite species responsible, and eliminate the colony.

Ants. Not only can ants cause structural damage to your home, they can also be a nuisance and crawl inside in search of food. Ants tend to follow trails along the perimeter of the home (baseboards, the edges of countertops), and can use wires and pipes as a highway system within walls. Follow their trails to find and treat the nest. Like cockroaches, baits are also an effective strategy for killing ants.

Bed bugs. These pests are very hard to eliminate from the home. Treatment typically requires a multi-pronged approach including mechanical and chemical control, as well as preventative measures that help avoid a re-infestation. When traveling, make sure to check your luggage and clothes, as bed bugs are known to hitch a ride with you back home. Never put a suitcase on the bed in a hotel, just in case.

Houseflies. Flies are also a major carrier of more than 100 disease-causing Cockroaches. To prevent cockroaches, pathogens, collecting them on their legs store food in tightly-sealed contain- and mouth when feeding. Sanitation ers, seal cracks in your home and re- is the best way to prevent flies. Elimiplace torn window screens. Treat your nate breeding sites and sources of food, home’s perimeter with a spray, many of and make sure your trash can has a which will last up to 12 months. Baits tight-fitting lid and is cleaned regularly. are another effective strategy because Keep screens on your home’s windows cockroaches are nocturnal (often feed- and doors, and repair if damaged. If you ing at night) and may be difficult to con- see them near your home, you can kill tact during the day. The benefit of using them on contact with various products. bait is that the roaches do all the work, spreading the bait to kill other roaches By following these tips, and working in hiding. with your trusted pest-control provider, you will ensure that your house remains bug free.

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RETIRING? d n o y e b THINK THE BEACH Starting to think about where your post-career phase of life might take you?

A lot of people look at warm weather locations like Florida or Myrtle Beach, S.C., where they can play golf or be near the beach. But what if a house on the golf course or a beach community isn’t what comes to mind when you think about retirement? Well, don’t worry, you’re not alone.

With about 4 million baby boomers retiring each year, it’s no surprise that the location options are expanding. While warm weather states such as Florida, Arizona, Texas and Georgia are still top choices, more and more of today’s retirees are opting for hardier climates - with states like Colorado, Pennsylvania and Maine making Forbes’ 2017 list of best places to retire.

Also growing in popularity are urban locations, as many retirees are choosing to stay in the city they’ve lived in for years or choosing to downsize by moving to an apartment in an urban center. Cities offer high walkability scores, boundless options for entertainment and culture, plenty of restaurants to go out to eat at or order out from, and quick access to affordable public transportation and plenty of quality healthcare.

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If city life is your option for retirement, do your research and talk to local real estate professionals to rate any city you’re considering on the following factors: AFFORDABILITY SAFETY CONVENIENCE AGING-FRIENDLY HOUSING OPTIONS ACCESS AND SAFETY OF PUBLIC TRANSPORTATION COMMUNITY ENGAGEMENT CULTURAL OFFERINGS

Of course, pedestrian-friendly streets and a strong local economy are important as well.

Some cites that meet these criteria are also in warmer locals, such as Florida cities Tampa, Orlando, and Miami. Scottsdale, AZ; Austin, TX; Atlanta, GA; and Denver, CO are also attractive choices. So retirees are able to live in a friendly climate, while also having all of the convenience that city life offers.

Remember, city life can be within your reach, no matter what your age. Consult The Real Estate Book in the locations you’re interested in living to find the perfect place to spend your golden years.

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This is why you move to America’s #1 Cities and work with the #1 team!

North Homes Realty, Inc

Lynn Curley

Connie Moulaison

Sandi Riley

360-708-3445 lynnchs@gmail.com

360.770.1341 moulaison.connie@ gmail.com

360.770.8670 SandiRiley@ Century21.com

MONTREAUX 55+ Gorgeous 3BD 2.5BA 2779sf by Landed Gentry. Open plan, no steps on main floor. Granite kitchen. Covered patio. $534,500 Text R796671 to 52187

SEDRO WOOLLEY Skagit Valley View Park. Immaculate w/ open style kitchen, living/dining room, heat pump w/ A/C. Covered parking. $67,900 Text R891644 to 52187

OAK HARBOR Great starter or investment! 3BD 1.75BA w/ nice kitchen & spacious living/dining. Large yard, lots of guest/RV parking. $164,500 Text R792749 to 52187

ARLINGTON TERRACE 3BD 2+BA 2006sf on private park like shy 5 acres.

New carpets, vinyl, new paint up. Large sun room w/hot tub. Private. $389,500 Text R759248 to 52187

SKYLINE 3BD 2.5BA 2102sf overlooking Burrows Bay & Skyline marina.

Maintenance free yard. Large deck to enjoy sunsets. Wired for gen. $579,900 Text R796681 to 52187

BURLINGTON 2 homes overlooking Gage’s Lake. 1200’+ frontage. 2 large shops on property with lots of room for work and/or storage. $975,000 Text R560924 to 52187

MOUNT VERNON 2BD 2BA 2016sf w/ walkout basement & office on 5.55 acres. Huge wrap-around deck. Oversize detached garage. $500,000 Text R904905 to 52187

MOUNT VERNON 3BD 2.5BA townhouse in Rosewood. Popular 2 story ‘’Cultus’’ plan w/ great rm. Fully fenced backyard. Nat gas F/A heat. $272,500 Text R867899 to 52187

MOUNT VERNON New laminate flooring in a spacious living room, full laundry room, eat-in kitchen & large level lot. 10x16 shop. $179,000 Text R871371 to 52187

LD SO

IN ND PE

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ND

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CONCRETE Park-like shy 1/2 acre w/circular drive. New comp roof, new paint inside & out.Bonus rm. 24x30 garage w/greenhouse area. $228,900 Text R881275 to 52187

G

PRESSENTIN CREEK 3BD 2BA open plan home w/ large covered deck + Skagit River nearby. Over 1/2 acre.

Ramp entry, level yard. $213,000 Text R820296 to 52187

MOUNT VERNON Move in Ready 3BD 2.5BA. Lg yard, lovely new deck, newer exterior paint. Formal living rm, family rm & dining area.

SOLD!

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Snohomish - $925,000

HARD TO FIND! 4BD Rambler w/ 3 car garage + shop + MIL quarters. 4.66 Acres w/ 32 x 56 detached shop w/ large theater room & extra office above, 3/4 bath w/ drive thru for a CLASS A motor home! RV full hook-ups.

To see more photos Text R906356 to 52187 Bothell- $265,000

ON THE BUS LINE! Great corner unit Condo filled will light.

Balcony looks out onto the sport court and cabana. Open floor plan with granite counter tops in kitchen, S/S appliances and small eating bar..

W/D included.

Text R903736 to 52187

Monroe - $375,000

CRAFTSMAN GEM Straight out of a Norman Rockwell painting! Stroll to local restaurants, shopping or hop a bus. Great main living w/ dining area. Main floor guest bedroom. Country kitchen w/ corner nook. Two car garage.

Text R901921 to 52187

Monroe - $399,950

LOW MAINTENANCE One-level 3BD 2BA w/ living room, dining room, family room & large kitchen. Generously sized Master Suite w/ jetted tub.

Large deck and patio.

Detached tandem 4 car garage and RV parking.

Text R899443 to 52187

Snohomish - $425,000

FARMHOUSE 3BD + bonus area/ sewing room. Country kitchen with Larder Pantry and built-in flour sifter. Vintage barn has no real value, but could be reclaimed. Large gardens, fruit trees, outbuildings.

Text R899442 to 52187

Camano Island - $449,950

ISLAND LIVING 3BD 3BA w/ main floor office, living room with wood burning fireplace, dining room, eating bar and amazing kitchen!

Large master suite.

Detached garage + 2 car ports. RV parking.

2/3 acre lot.

Text R875764 to 52187

Marysville - $475,000

DUPLEX Located on a quiet, private dead end street. Both units have fully fenced yards.

New interior paint, flooring in kitchen & new carpet.All appliances are included and each has a 1 car garage. Great units!

Text R906366 to 52187

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Jenifer Murrweiss

ELITE

Broker & Realtor Master Certified Negotiation Expert Certified Short Sale Negotiator Seniors Real Estate Specialist

425-422-7243

www.snohomishcountyhomesinc.com

CANYON PARK Is there any land left in Bothell? Yes, there is!

Redevelop this 2.5 acre parcel

by Crystal Creek Town-homes.

Great location close to I-5 Seattle, I-405 and right off Bothell/ Everett Hwy. Northshore School District. Zoned RACOPLI (light industrial/residential/office).

Text R900016 to 52187

$5 09 ,9 50 ,9

50

TULALIP 4BD 2BA 2022sf on 1+ acre in private gated community of 9 homes on acreage.

Skylights, heat pump, granite in kitchen & baths, SS appl, gorgeous hardwoods, new high end carpet in bedrooms. Family rm offers built in pellet stove. Backs to a NGPA area.

Text R899552 to 52187

89

$8

50

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00

EVERETT Seattle Hill 3BD 2BA 2012sf rambler. Open inviting floor plan w/ updated kitchen, new backsplsh, granite & island.

Great room features gas fireplace & built-in TV niche. Formal dining/front room w/ new engineered wood flooring. King size master retreat w/ sitting area.

Text R910328 to 52187

www.pugetsoundheroes.com

$4

$5 24 ,9 50

• Firefighters • Law Enforcement • Military (Active, Reserve & Veterans) • Healthcare Professionals • EMS • Teachers

EVERETT Silver Lake 3BD 2.5BA w/den & flex room. Open kitchen w/granite, quartz, LED lighting & SS appl. Open to entertainment & dining Room.

Large Master suite w/ private deck. Family Room downstairs w/1/2 bath & laundry. A/C, heat pump. Newer roof.

Text R879718 to 52187

Jill Bartoletti | NMLS# 173243

11255 Kirkland Way, Suite 100 Kirkland, WA 98033 P: 425-979-5261 Jill.Bartoletti@caliberhomeloans.com www.jillbartoletti.com

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Michelle Torset Managing Broker

President, The Torset Group

CELL

w w w. T h e To r s e t Te a m . c o m Marysville

Call Michelle 425-233-5188 Mukilteo

425-233-5188

CUSTOM SPANISH INSPIRED ESTATE 3BD 4.5BA 4542sf on 1.5+ acres. Mountain Ridge Views w-pastel color skies. Corner lot, level top yard & circular drive. Covered patio, 2 car garage w-tons of parking for RV, boats. Shed + large out building. New heat pump,100 year tile roof. MIL down.

Text R899521 to 52187 Camano Island

Ready to Buy?

Contact our Team of Buyer’s Specialists

Call Michelle 425-233-5188 ELEGANT Mediterranean style villa 6BD 6BA 8223sf w/ spectacular views. Venetian plaster & classic fixtures. Landscaped courtyard w/ fountain. Rooftop deck.

Text R796659 to 52187 Snohomish

Call Michelle 425-233-5188 OUTDOOR LIVING'S FINEST! Wooded 19+ acres w/ mountain & sunset vistas. 3BD 3BA 3816sf in gated private community.

Amazing entertaining decks. Studio w/loft.

Text R895169 to 52187 Arlington

Call Ben 360-540-4834 NEAR LAKE KI 3BD 2BA w/ large family room, vaulted ceilings, skylight, partially fenced yard & 7 Lakes location. Master w/ soaking tub. Office & mudroom.

Text R785437 to 52187

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Call Rick 425-344-2971 OVER AN ACRE 4BD 2.5BA 3589sf w/ 7 covered parking spots. Hardwood floors. Potential for MIL down. Huge bonus room w/ wet bar. Gorgeous Sound views.

Text R876265 to 52187 Mukilteo

Call Michelle 425-233-5188 LOCATION! 4BD 1.75BA fully remodeled and painted. New decks front & back, new 30 year roof, freshly painted. Newly updated electrical and plumbing.

Text R879702 to 52187

LaDon Torset

Buyer’s Specialist

206-786-8021

Ben Cole

Listing & Buyer Specialist

360-540-4834

Marysville

Call Ben 360-540-4834 REMODELED 3BD 1.75BA 2080sf rambler on large corner lot. Beautiful updated kitchen!

Garden sitting areas & outbuildings. Easy access to I-5 and Route 9.

Text R883280 to 52187

Rick Vannoy

Listing & Buyer Specialist

425-344-2971

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