CNA-SS-10-23-2015

YOUR home

Fall 2015

813 Quiet Harbor Creston

1714 W. Spencer Creston Everything is done and move in ready. This 4+ bedroom, 3 bath home has hardwood floors in the dining & living rooms. New countertops, open floor plan and a 3 car attached garage. Large family, theatre room down with lots of storage. New furnace and central air. Large storage shed.

This is an immaculate home, call for your showing now! See Stewart Realty on page 8.

Three bedroom home with two baths, two car attached garage and large deck. Energy efficient construction with many upgrades.

Open floor plan affords view from kitchen to living room. Schedule a showing to see this new, lovely home! Water, sewer, trash, lawn mowing and snow removal included in lot rent. See Stewart Realty on page 8.

Look inside to see what these following businesses have to offer: BNR Construction, LLC Boyd Appliance Center, Inc. Brad Waltz Construction, LLC Callahan Real Estate Carter Agency Cook Video & Appliance Creston Chamber of Commerce EllisPoore Real Estate Group First National Bank Green Valley Realty

ISSB J&A Flooring J&J Plumbing & Heating PCSB Bank Schroeder Plumbing & Electrical State Savings Bank Stewart Realty Vernie’s Window Fashions Zellmer’s Soft Water, LLC

Page 2c— Creston News Advertiser — Friday, October 23, 2015

Guide to replacing home siding Few home improvements can transform a home more than the installation of new siding. Replacing siding can be a costly venture, but the right siding will maintain its appeal for years to come.

Updated siding can improve home’s energy value by enabling owners to save on heating and cooling costs.

A new design and color also can improve a home’s property value and set it apart from neighboring properties.

According to the Professional Builder’s Home Exteriors Survey, exterior design and materials used are a top priority for new home buyers.

Project costs depend on the size of the home as well as which siding material homeowners choose. Considering new siding is a major renovation, it pays to get the job done right.

Choose a qualified contractor It is important for consumers to do their research when it comes to siding materials and contractors. A contractor who takes shortcuts or improperly installs the siding may void a manufacturer’s warranty. Always ask family members and friends for recommendations before

choosing a contractor, and check out each prospective contractor’s work for yourself. Interview more than one contractor and compare both their costs and what they offer. Ask plenty of questions of the contractors, and avoid those who try hard-sell methods. Questionable contractors may try strategies like a promise of a considerable discount if you “act now” or scare tactics that your home is unsafe in its present condition.

Be sure the contractor carries general liability insurance as well as workers’ compensation insurance for their subcontractors. Ask for a license number as well and verify its accuracy.

Select a durable material Siding comes in all types of materials — from wood to plastic to fiber cement — but vinyl is among the most popular due to cost and availability. Research how well particular brands of siding stand up to conditions and which are the least likely to crack, warp or discolor. Find this information from online reviews or through consumer advocacy groups. Also remember, vinyl and other synthetic materials have im-

proved and can now mimic the look of many other materials for a fraction of the cost.

Calculate how much you need Before you price out siding with contractors, estimate how much you will need for your house. Consumer Reports suggests multiplying the height times the width of each rectangular section of your house in feet, going by what you can measure from the ground, to determine their areas. Multiply the approximate height and width of gables and other triangular surfaces and divide each total by two. Then add all the totals. To allow for waste, don’t subtract for doors, windows or other areas that won’t be covered. Finally, divide the total square footage by 100 to estimate how many squares of siding you will need. A square represents 100 square feet. Knowing how much you need can save you money.

Vinyl siding can completely transform the look of a home and make it more energy efficient. Consumers who do their homework will get the best value for their investments.

We’re the right tool for your next project.

NMLS #479577

Let us help you with the next project on your list. Stop in and visit with our lending team and learn how you can put your home to work for you. Apply for a home equity line of credit today!

Paul Fuller NMLS #403056, Jeri Smith, Thad Sickels NMLS #544113, Sheila Brown NMLS #544108, Paul Lorenz, Jr. NMLS #544113 501 W. Taylor Street · Creston (641) 782-8482 · www.pcsbbank.com Finding a qualified contractor is an important component to any siding project.

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Creston News Advertiser — Friday, October 23, 2015— Page 3c

Coping with condensation and other home moisture issues Finding the right moisture balance in a home can be challenging. Too little moisture and a home can be plagued by static electricity and interior spaces that can feel dry and uncomfortable.

But too much moisture in a home may make it susceptible to mold, mildew and insect infestations. Moisture also can rot wood and cause unsightly stains on walls and ceilings.

Maintaining humidity in the optimal indoor range helps to keep the home safe, reduce energy consumption and keep a home’s occupants healthy. Damp conditions can lead to the growth of fungi, viruses and bacteria and may exacerbate people’s asthma and allergies.

The ideal relative humidity range of a home should be between 40 to 50, according to heating and cooling ex-

perts and the Environmental Prevention Agency. Humidity should be even lower in the winter to prevent condensation on windows and other surfaces. Lower relative humidity also reduces the out-gassing of volatile organic compounds, or VOCs. Measure humidity with a hygrometer to get an accurate assessment. If the humidity levels fall above or below the desired range, action should be taken. Homeowners dealing with excessive moisture can try these remedies.

• Ventilate areas of the home. Ventilation can be the first step to reducing indoor humidity. Target the areas that create the most moisture, such as kitchens and bathrooms. Turn on venting fans to remove moist air from the bathroom

during showers and baths.

Exhaust hoods can control humidity from cooking in the kitchen. When possible, open windows on dry days to help air out damp spaces.

• Rely on fans. Use fans to circulate the air and prevent moist air from pooling in certain locations. Fans also will help increase ventilation.

• Keep gutters and downspouts clean. Prevent water from pooling around the foundation of a home and infiltrating the basement or crawlspace. Direct gutter water further away from the house if possible, and keep gutters free of obstructions.

• Service HVAC systems regularly. Routine inspections of heating and cooling systems can identify any problems, such as clogged air-conditioning drain lines or faulty operation, that can

RECEIVE UP TO A

1500

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nate a great deal of moisture coming into the home.

• Address any plumbing leaks. Make sure you trace possible leaks to their sources and have them repaired.

Constantly dripping water can add to humidity levels and create other problems.

• Use a dehumidifier. If

all other efforts have been tried, a dehumidifier unit can help remove excess moisture from the air. Dehumidifiers are particularly helpful in basements where moisture can collect.

Controlling moisture in a home results in a safer and healthier space.

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contribute to moisture problems.

• Beef up insulation. Insulate cold water pipes and look into insulated toilet tanks that will help eliminate condensation issues. Sealing out moisture in a basement or crawlspace also can help.

Vapor barriers can elimi-

B

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Page 4c— Creston News Advertiser — Friday, October 23, 2015

Your Home Directory

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Green Valley Realty

105 S. Sumner Avenue • Creston Bill Callahan - Owner/Broker

641-782-2332 www.callahanrealestate.us

Diane Poore

Julia Ellis

Creston

Des Moines

641.202.0072 515.669.9447

Korina Loudon Broker/Owner

Pat Loudon

1016 W. Montgomery • Creston

RealtorTM

641-782-5134

Bill Callahan • 641-782-2404 Ken Callahan • 641-202-0406 Kim Whittington • 404-909-9327 Randy Miller • 641-782-2331 Aaron Finch • 515-370-1592 Gary Borcherding • 641-344-7455 Ryan Osterbrink • 641-247-1256

Let us assist you in buying or selling.

Ask for Marie or Dennis

Brad Waltz Construction, LLC The Bank That Service Built

602 Sheldon • Suite A • Creston • 641-782-7820 M-F 9am-3pm Lobby • M-F 8am-5pm Drive-Up SAT 8:30am-12pm Drive-Up

208 N. Maple, Creston, IA 50801 641-782-8516

www.carteragcy.com

Creston...

zwater@iowatelecom.net zellmers.culliganman.com

Vernie’s

701 W. Townline • Creston • 641-782-7771

A Great Place to Live CRESTON CHAMBER OF COMMERCE 208 W. Taylor/Hwy 34 • 641-782-7021

910 North Sumner Ave • Creston, Iowa 50801

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Creston News Advertiser — Friday, October 23, 2015 — Page 5c

Earth-friendly tips for autumn Autumn is upon us, and with the change of seasons comes the fall to-do list that must be completed before the arrival of winter weather. Many outdoor jobs are best completed before temperatures drop, while others can be tackled indoors to help save energy and prepare for increased time spent inside the home.

Outdoor cleanup Autumn means leaves are falling from trees and littering landscapes. Cleaning up leaves can be a timeconsuming task, but it’s necessary to promote the health of lawns and other plants. Grass that is completely matted down with leaves can become starved for light and moisture, and lawns may even rot when forced to spend winter beneath fallen leaves.

One eco-friendly time-

saver is to shred leaves with a mower (a manual mower is preferable) and leave them as topdressing for the lawn. As long as the grass blades can be seen within the leaves, the lawn should be fine. Shredded leaves will decompose and add necessary nutrients and organic matter to the soil naturally.

Leaves also can be used in annual flower and vegetable gardens to improve the soil. Mulch made from shredded leaves can be placed on the soil around trees and shrubs. This helps to reduce weed problems and protects root systems from harsh temperature fluctuations.

Clothing donations It’s time to pack away summer clothing and once again fill closets and drawers with sweaters and jeans.

Before packing away your summer wardrobe, conduct an inventory to determine if there are any items you no longer use. Donate these items or use them as rags when cleaning.

Keep some short-sleeved shirts accessible so you can layer them under sweatshirts and sweaters. The heat from layering will be trapped against your body and keep you cozier, reducing your reliance on HVAC systems to stay warm.

Home repairs Check the roof for any missing shingles. In addition, look for spots where animals or insects may be able to gain entry into your home. Seal these areas and repair any leaks. This will make your home more efficient later on when winter hits its stride.

Remove window air con-

ditioners for the winter. If they can’t be removed, seal them with caulking or tape and cover them with an airtight, insulated jacket.

If you have forced-air systems, move furniture away

from the vents so that air can flow better around the home and keep it comfortable.

Check weatherstripping around windows and doors and make the necessary

Your Comfort is our Calling! Experience

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adjustments. Installing additional insulation also can help reduce energy consumption.

A few tips can help homeowners prepare for autumn in eco-friendly ways.

Ty Rogers

MLO #544112

Now is a great time to get a mortgage while rates are at historic lows.

Our lending team has over 80 years of combined experience. Come in today to discuss our mortgage options.

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Iowa State Savings Bank Employee Owned Creston • Lenox • Corning • Diagonal

Member FDIC

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Page 6c— Creston News Advertiser — Friday, October 23, 2015

Maximize fall and winter energy savings with simple tips As temperatures decrease during the fall and winter months, energy usage and costs tend to climb. These five energy-saving tips for your home will ensure the comfort of your family and your wallet.

1. Adjust your thermostat.

Lower the heat on your thermostat while you are away from home and before you go to bed. Better yet, invest in a programmable thermostat so you don’t have to give it a second thought.

2. Seal gaps around windows and doors. Cracks and gaps around windows and doors can let cold drafts into your home. Weatherstripping or caulking will seal these problem areas and keep your home warmer, without having to turn up the heat.

3. Insulate well to protect

your home from the cold.

Add insulation to your basement walls, headers or attic to make a noticeable difference in the temperature of your home and its energy consumption. A mineral wool product specifically designed for thermal performance, such as Roxul Comfortbatt, is ideal. This type of batt insulation will also provide protection from fire, moisture and unwanted noise. Adding insulation is one of the simplest and most-cost effective ways to increase home energy efficiency.

4. Make use of natural sources of heat. Pull back your curtains to let natural light in. The sun can help to warm a room with its rays on a bright fall or winter day. If there are any large windows in your home that don’t receive much sunlight, keep the

curtains closed to form a barrier from the cold.

5. Use ceiling fans to your advantage. In the winter, set the fan to rotate clockwise.

The blades will pull the air up and around, redirecting warm air that rises back down into the living space. The effect can help you lower your thermostat by two degrees in the winter. While cutting back on energy may seem more challenging as the weather gets colder, it doesn’t have to be.

There are many no- or lowcost methods to conserve energy that can provide consistent savings over time.

Scott McGillivray is the award-winning TV host of the hit series Income Property on HGTV Canada, a full-time real estate investor, contractor, author, and educator. Follow him on Twitter @smcgillivray.

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Creston News Advertiser — Friday, October 23, 2015 — Page 7c

How to insulate your home against a deadly fire (MS) — As fire prevention awareness efforts gear up across North America, the National Fire Protection Association and insulation company, Roxul Inc., are spreading the word to Americans from coast to coast about the importance of fire preparedness.

Through the “Hear the BEEP where you SLEEP” campaign and Roxul’s “When Seconds Count” initiative, Americans are reminded that simple steps can cut their chances of dying in a fire in half.

Here are some measures you can take to dramatically reduce your risk: • Be sure to have a smoke alarm on every story of your home and outside sleeping areas.

• Develop a fire escape plan and practice it.

• Use non-combustible

materials when renovating.

The choice of insulation can make a big difference. Opt for a product with the highest fire resistance possible, like Roxul mineral wool insulation, which, in the event of a fire, will not produce harmful gases, toxic smoke or promote the spread of flames.

• Purchase a multi-use fire ladder for each bedroom in your home and practise using it.

• Place fire extinguishers within reach throughout your home.

• In the event of a fire, leave through the closest exit.

Do not stop to collect belongings and never reenter a home once safely outside.

Additional fire safety tips are available at nfpa.org.

You can also improve your fire safety knowledge, with a contest incentive, by visiting roxul.com.

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Page 8c— Creston News Advertiser — Friday, October 23, 2015

Crest Plaza/701 W. Townline, Creston Office 641-782-7197 Broker: Stew Stewart www.stewartrealtyia.com “The Real Estate People”

See all our listed properties, pictures and details at... stewartrealtyia.com

Let us show you the way to your next home!

— Residential Homes — 429,900

This property is being sold in AS IS CONDITION. Priced at assessed value for quick sale. Three bedroom, 1-1/2 bath on a corner lot close to downtown, school and post office. All offers will be considered.

Take a look at this clean home, located near the schools, at 503 West Townline, here in Creston. This two bedroom ranch home has a full basement with one room finished. One of the main floor bedrooms has been converted into an extra room off the kitchen and could easily be returned to make the third bedroom on the main floor. This home has a great patio area and fenced-in back yard and a newer storage shed.

Looking for an affordable two bedroom home? Take a look at this two bedroom, one bath home with two car detached garage. Newer roof, furnace and kitchen remodel. Neat home, that is move in ready. Hardwood floor in living room and carpet included in sale, for both bedrooms. Washer/ dryer, stove and refrigerator included.

Need a cozy 2 bedroom home with all appliances including washer and dryer? Take a look at this bungalow. Large bathroom with large walk-in shower, large living room.

2 bedrooms with walk through closet. Lots of storage area and no basement to worry about water issues! Great 1 1/2 car det. garage with lots of storage. Newer steel roof on the garage and newer shingle roof on the home. Don’t pass this up!! Close to uptown

4 BR on the main floor w/huge living room. Large dining room open to kitchen, overlooking the park & lake. 2 full BA & 2 half BA. Large master bedroom w/walk-thru closet & large master bath w/whirlpool tub & double shower. A complete custom remodel w/new siding, windows & floor heat w/central air. Mature trees & landscaped areas on 1 1/2 acres.

408 N. Maple St. • Creston

718 N. Elm St.• Creston

118 N. East St. • Orient

915 N. Spruce St. • Creston

PENDING

905 W. Jefferson • Creston

84,900

46,500

$

$

$

Looking for a fixer-upper then come take a look at this large 4 bedroom home. Features newer roof, newer furnace and central air, and also newer windows. Very unique woodwork with open staircase to upper level.

Lots of room in this three bedroom ranch home located on a corner lot. This home has a large family room and has recently been fully insulated. Nice cherry wood cabinets. Newer hot water heater. Extra storage space in back of garage and also has a fenced in back yard.

Well maintained two story home with one car detached garage. Lots of living space and sellers are motivated!

914 N. Oak • Creston

701 N. Elm • Creston

PENDING 3 bedroom home close to uptown. Needs furnace and CA and work on the interior. Natural wood work, fireplace, open stairway.

69,000 $

35,000 $

Your new home, located in Quiet Harbor Estates. This Manufactured Home Community provides lawn mowing, snow removal, water, sewer and trash removal included in the lot rent, for simple living. This new home has 1056 Square Feet of open living space and has two bedrooms and one bath and a large one car attached garage. Enjoy the large deck that overlooks the lake!

In like new condition, this two bedroom, one bath home has everything to move in and live. All appliances, washer/dryer/stove and refrigerator stay and the huge attached carport allows for the extra car, and also has a one car attached garage. New installation of a rear deck and sliding door, allows for view of lake and access to your own privacy area.

Located in Quiet Harbor, a Manufactured Home Community, mowing, snow removal, trash, water and sewer are included in the lot rent.

Come take a look at this cute little ranch home. Move in ready. Features newer furnace and central air. Large pantry off kitchen and also has large utility room with plenty of storage. Excellent starter home or great home for someone ready to downsize. All appliances included.

807 Flagship• Creston

$

PENDING Two bedroom, one bath home with lots of living space, located in Quiet Harbor.

This home has an enclosed, one car, carport with handicap ramp which leads to the large enclosed sunroom. Open living room and kitchen floor plan. This home is in very good condition and will make someone a great home, for a great price!

COMMERCIAL PROPERTIES 75,000

Main St. bldg. w/new facade, paint & tuck pointing, new roof coating in 2013.

Rental business at this location, also.

Wood frame building currently being used as a church & fellowship hall. Meeting hall on the main floor, with offices & 2 BR. Full finished basement with full kitchen, four separate rooms and large open area. Two bathrooms down and separate room, about 720 SqFt. Parking on main level and walkout basement to paved parking lot on lower level. Many improvements are already done.

SOLD

98,500

$

Acreage w/updated home, large deck, detached shed w/concrete floor & partially insulated for shop or extra Great acreage with newer 2-1/2 car garage & nice 2 out buildings for club calves or horses. Great views from garage space. Home has new kitchen floor & dishwasher. Updated bathroom, new paint. Lots of yard space the hilltop, 2 miles to school, approx. 12 miles to shopping, hospital & many amenities. Home has structural for a garden or play area. Come take a look at this cute bungalow and make an offer. issues & selling as is with no warranties or guarantees expressed or implies.

64,500

$

SOLD

704 Hickory St. • Creston

417 Wyoming Ave • Creston

700 Davis St. • Corning

$

1927 Redwood Ave • Afton

59,900

69,900 $

SOLD

SOLD

29,900

72,000

Beautifully designed three bedroom home with two baths, two car attached garage and large deck. This new home comes with kitchen stove and microwave and dishwasher. Energy efficient construction and efficient furnace and central air. Open floor plan affords view from kitchen to living room. Huge kitchen and living room for entertaining. Spacious is the word that describes this home.

Located in Quiet Harbor, this manufactured home community provides lawn mowing, snow removal,water,sewer and trash removal with the lot rent.

ACREAGES & FARMS 3136 167th St. • Thayer

908 N. Division St. • Creston

829 Quiet Harbor St. • Creston

833 Quiet Harbor St. • Creston

$

108,000

813 Quiet Harbor St. • Creston

REDUCED

$

— Retirement Living —

89,900

$

PENDING

133,000

Two bedroom, den and two baths with your own fenced patio off the dining area. Kitchen cabinets by Bolton Custom Cabinets and new granite countertops. Dave Long built with quality fixtures. Custom floors throughout. Lots of storage with one car, attached garage, and overhead attic. Kitchen stove and refrigerator included. Association dues are $75./ Mo. for easy living.

3 BR, 2 BA & laundry on main level. Fourth large BR w/1/2 BA upstairs.

Kitchen w/stainless steel appliances & custom cabinets Huge living room w/log burning fireplace. Attached heated garage. New Furnace, A/C & dishwasher in 2013.

$

Beautiful ranch home on just over a half acre creating a piece of country but still in town. This is a 3 bedroom and 1 & 3/4 bathroom home. Cozy all season sunroom with gas fireplace.

Main floor laundry and one car detached garage with garden shed. Includes blinds, stove, refrigerator, dishwasher and microwave.

Nice hardwood floors, open stairway, some updates. Take a look at this home w/3 BR & full bath on upper level & large living room, formal dining room & 1/2 BA on main level. Outstanding 3 car garage. No warranties or guarantees expressed or implied. Selling as is.

62,500

1201 Country Club Dr. #7 • Creston

PENDING

SOLD

3 BR, 1 3/4 BA home is ready to move in & live. Lots of upgrades, including kitchen counter tops, kitchen floor & large remodeled main floor bath. This home has a large living room, hardwood floors in bedrooms & lots of storage on the main floor. Full basement w/lots of space to use for rec room or living space. Single car attached garage & one car detached garage in rear. All appliances included.

202 S. Stone • Creston

907 W. Jefferson St. • Creston

$

802 N. Lincoln • Creston

$

$

Take a look at this beautiful Bungalow home. Two bedrooms with remodeled kitchen and bath. Original wood floors and woodwork has been restored and many upgrades have been done, including new furnace, new countertops and backsplash and privacy fence. All appliances included. Great sunroom and appliances can be up or down.

140,500

24,900

74,500

$

Kitchen w/bamboo flooring, new dishwasher & stove. Master bedroom on first floor. BA & laundry on main level. New Siding in 2014. Shed is 14x22 w/2 levels of storage. Garage is 20X30 w/door opener. New roof in 2010 & the electrical is updated. Central air.

$

SOLD

404 S. Main St. • Leon

105,000

84,000

45,000

$

Two-story Colonial home on double corner lot with large yard and large deck recently refinished. New windows on 2nd story and attic in 2013. Two-car detached garage with new overhead door in 2013. South side of the house is a shared driveway to the original one-car garage with a shared wall. Now suitable only as a shed for storage.

SOLD

$

35,000 This two story frame home has three bedrooms, one bath and a two car detached garage. This is a solid home that is in need of updating and is being offered as is. This home has a newer furnace and central air and has a large dining room and living room. Full length, enclosed front porch and full basement. If you are thinking of a home to remodel or update, take a look!

93,500

$

SOLD

REDUCED

614 N. Mulberry St. • Creston

$

24,200

SOLD

$

42,000 $

4+BR ranch home w/3 car attached garage. This 3 BA home has hardwood floors in dining & living room, new countertops & open floor plan. 4BR’s up & 2+in basement. Large family, theatre room down w/lots of storage. Lots of upgrades including new furnace/central air.

87,900

63,000

104 S. Park • Creston

$

502 N. Division St. • Creston

$

505 N. Chestnut St. • Creston

$

249,500

503 W. Townline • Creston

216 S. Elm St. • Creston

$

1714 W. Spencer St. • Creston

SOLD

Looking for investment property? Take a look at this four unit apartment complex. 2-Two bedroom units and 2-one bedrooms with four car attached garage, located in west Creston, near shopping centers.

Lots of room to expand or get view to Highway 34.

Call to take a look and see what the possibilities are.

Stew Stewart

Jewel Baseley

Becky Barker

Donna Marlin

Gay Lynn Owens

Roger Saxton

641-344-1347

641-344-6058

641-202-6655

515-401-8057

641-782-0077

641-202-1260