OTT_SRC HOMES_071319

Count ry HOMES FREE

July 2019

STARVED ROCK ®

®

INSIDE: The design trend that is coming back - Page 3 3 factors to consider when choosing a mortgage lender - Page 10 Exterior renovations that improve curb appeal - Page 14 AND MORE!

A publication of

441 Baker Avenue, LaSalle Listing by Starved Rock Realty See more listings on page 4

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THE

Times 7/5/19 10:46 AM

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Matt Mooneyham NMLS #1168291 +1 (815) 431-3968 mmooneyham@ffsbweb.com 633 Lasalle St, Ottawa, IL 61350

All loans are subject to credit and underwriting approval.

Certain fees and restrictions may apply. Mobile carrier fees may apply.

www.ffsbloans.com

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This design trend is coming back (MS) - Design trends come and go, but some have a funny way of resurfacing years after they first became popular. Homeowners who may have been considering renovating their home to remove a design element they believe to be passé might want to see if that feature has experienced a resurgence in popularity. In fact, one of the more derided home decor trends of yesteryear has slowly crept back into style, albeit in moderation.

Wood paneling is back and better than ever, advise many design professionals. It’s the formerly ugly duckling that filled homes starting in the 1950s, creating drab dens and faux-wood family rooms.

Paneling had long been an element of choice because it is relatively easy to install and can camouflage problem walls in a home, like those covered in boisterous wallpaper prints.

Wood paneling reach the peak of its popularity in the 1970s, and since then homeowners have been tearing down these faux offenders for years or masking them in paint to brighten up spaces.

However, the experts at Apartment Therapy report that wood paneling in shades of brown are making a comeback in cozy spots such as dens or studies. The warm tones of wood paneling elicit a retro vibe. But unlike their fake predecessors, today’s paneled walls are being outfitted in real wood, making them more eco-friendly and stylish than ever before.

Designers have flocked to reclaimed wood and veneer panelings to incorporate them into design elements. And while wood paneling used to be hung vertically, designers now experiment with hanging paneling.

Many people no longer use paneling to cover an entire space.

Paneling is used sparingly as an accent wall or another feature for character. Wood walls can be stained in a rich mahogany to look upscale or be weathered and rustic.

Homeowners ready to re-embrace wood paneling can choose to enhance one wall in a room. Think about the space above a fireplace or a strip of wall behind a sitting chair and side table. Paneling also can serve as a headboard behind a bed in a master suite. Painted horizonally, paneling can add dimension and texture to walls, even in a bathroom.

Wood paneling is slowly making a comeback, proving that no design trend every truly goes away.

INDEX OF ADVERTISERS REAL ESTATE C-21 Windsor Realty ...................................................................... 8-9 Remax Country ..................................................................................13 Starved Rock Realty ............................................................................ 4

FINANCIAL & MORTGAGE AFFILIATES Eureka Savings Bank.............................................................................. 7 Financial Plus Credit Union............................................................... 14 First Federal Savings Bank ................................................................... 2 First National Bank of Ottawa & Streator .................................... 11 Ottawa Savings Bank ............................................................................ 7 SOCU ...................................................................................................... 6 Streator Home Savings Bank .............................................................. 5 Wells Fargo Home Mortgage ........................................................... 10

LOCAL PRODUCTS & SERVICES Arrow Well & Pump- Contractor’s Grouping ............................ 15 Danchris Nursery - Contractor’s Grouping ............................... 15 Marseilles Sheet Metal - Contractor’s Grouping ....................... 15

Quality Care Cleaning...................................................................... 14 Turk Furniture.................................................................................... 16

All real estate advertising in this publication is subject to the Federal Fair Housing Act of 1968 it illegal to advertise “any preferences, limitation or discrimination based on race, color, religion, sex or national origin or an intention to make any such preference, limitation or discrimination.”

This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on any equal opportunity basis.

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What causes curled shingles?

No homeowner wants to look at the exterior of his or her home and see roof damage. Such damage may lead homeowners to think they need a new roof, a potentially costly expense that can quickly throw household budgets into a state of disarray.

According to the HomeAdvisor, the average homeowner spends a little more than $7,600 installing a new roof. Various factors, including the size of a home and the type of roof homeowners prefer, will affect the cost of a roof replacement. In addition, homeowners who see roof damage can rest assured that not all roof problems will necessarily require a replacement roof to be installed.

Curled shingles are a problem many homeowners have encountered. This particular problem is not always indicative that a roof is on its way out. In fact, the home improvement resource This Old House notes that, as asphalt shingles age, their corners often begin to curl downward or upward. Homeowners who notice this early enough can glue down the curled section of each shingle that’s beginning to curl.

Some shingles may be curling because they’re defective. Fortified Roofing, a New Jersey-based roofing company that specializes in the repairing and replacing of various roofing configurations, advises homeowners to contact a local roofing professional to diagnose the cause of the curling. Doing so quickly can prevent curled shingles from contributing to more widespread damage.

Moisture and poor ventilation may be contributing to curled shingles as well. Homeowners with attics in their home may see curled shingles on their roofs because moisture is building up in their poorly ventilated attics. In addition to causing damage such

as curled shingles, a poorly ventilated attic allows moisture to build up, potentially contributing to mold growth. Mold presents a host of additional problems, including some that can adversely affect the health of a home’s inhabitants.

Improper roof installation also may be the culprit behind curled shingles. When a roof is not installed correctly, shingles may not be aligned or nailed down in the right way. This might be what’s causing shingles to curl on recently installed roofs.

Curled shingles are unsightly and can pose a significant threat to a home if not addressed promptly. Homeowners can protect themselves and their roofs by working with skilled roofing professionals, who can diagnose issues like curled shingles and offer the right solutions

Starved Rock Realty 620 N. Division St. Utica

(815) 667-9990

www.starvedrockrealty.net

PUT THE STARVED ROCK REALTY TEAM TO WORK FOR YOU! Dee Barrera

Alice Green

Broker/Owner

Broker

(815) 252-9696

Jim Rice

(815) 488-9712

Broker

(815) 343-0831

1950 N. 2950th Rd. MLS # 10168695

3BR 2BA Manufactured home w/ summer house on the Fox River.

Offered by Dee Barrera $175,000 OTTAWA

Johanna Arkels Broker

(815) 252-8026

1131 Sycamore St. MLS # 10401200

3 BR/2 BA - Home Warranty included

Offered by Alice Green $131,500 OTTAWA

Larla Grandadam

Denisse Perez

(815) 883-1353

(815) 326-8513

Broker

Broker

2792 N. 2850th Rd. MLS # 10342974

3BR/5BA on 2 Acres

Offered by Alice Green $345,727 MARSEILLES

00 RT. 71

MLS # 10330185

25 Acres that includes camping area and many building sites bordered by thousands of feet of sandstone bluffs contiguous to Starved Rock State Park.

Offered by Dee Barrera

427 E. Church St MLS # 10428247

2 BR/1 BA “starter or rental home”

$350,000

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UTICA

Offered by Jim Rice $84,900 UTICA

420 Porter Ave

MLS # 10399395 2 BR/1.5 BA - 2 story

Offered by Larla Grandadam $72,500 GRAND RIDGE

313 S. 3rd St.

MLS # 10367679

2 BR/1 BA - Multiple Garages

Offered by Johanna Arkels $58,000 STANDARD

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STREATOR HOME SAVINGS BANK

You’ve Found the Right Home Let Us Find You the Right Loan Edward A. Mollo

ed.mollo@streatorhome.com NMLS #433934

Streator Home Savings Bank

Nicholas D. McFadden

nick.mcfadden@streatorhome.com NMLS #433932

132 S. Monroe St. Streator, IL 61364 815-673-5566 www.streatorhome.com

NMLS #421604 Member

FDIC

SM-CL1677146

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Why homeowners should add more exterior light to their properties READY TO BUY YOUR

Dream Home?

SOCU CAN HELP!

SOCU

APPLY ONLINE TODAY AT

www.socu.org

815-673-5577 Streator • Pontiac • Dwight • Morris All loans subject to credit approval. Certain restrictions may apply.

Maximum loan amount is 80% LTV. Closing costs may vary and range from $1,200-$3,000. Other costs may apply due to program specific circumstances. Federally insured by the NCUA. NMLS #421974

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SANDY NMLS# 442097

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(MS) - Homeowners are increasingly realizing the benefits of improving the exteriors of their home, which can be just as valuable as improving the interior spaces. As individuals design picturesque garden beds and cultivate lavish lawns or revamp exteriors with architectural features, they probably want to spotlight these improvements. This is where exterior lighting can be put to great use.

Exterior illumination can cast a glow on various features, but there are many other reasons to increase lighting around the exterior of a home.

• Safety: Trips and falls can occur at night when trying to traverse walkways and landscapes in the dark, as it can be difficult to see rocks, stairs and uneven pavement. Outdoor lighting can illuminate pathways, entryways and other areas for safer access for homeowners and their guests.

• Extend outdoor entertaining: Ample lighting can increase the amount of time one can use outdoor spaces and make them the perfect gathering spot. As autumn arrives, days become shorter.

However, patios, porches and more can get extended use with lighting.

• Safeguard security: A well-lit home may be less likely to be targeted by burglars than one swathed in darkness and shadows.

Lights can remain on all evening or be motion-triggered. Setting lights on timers also ensures that the home is illuminated whether residents are home or not.

• Create drama: Landscape lighting designers can establish focal points around the landscape and highlight the best features of a property. Uplighting in trees, silhouetting techniques to showcase plants and spotlights to show off architectural features are all options for homeowners to consider.

• Add value: The experts at Parker Homescape, a landscape design service, say that exterior lighting can add roughly 30 percent to the value of a home. They also indicate that 50 percent of all home buyers say that outdoor lighting is important when buying a home. If current residents are thinking about selling, now may be the time to invest in exterior lighting.

Improving a home’s exterior may be as simple as adding more lighting to improve functionality and beauty.

In-House Lending Rates The FIXED RATES your clients want with the SERVICE you and your clients deserve!!

NMLS #403014

Financing your dreams is a phone call away.

FIRST-LIEN OWNER-OCCUPIED (Single-Family or Duplex)

Rate 10 YEAR FIXED RATE: 15 YEAR FIXED RATE: 20 YEAR FIXED RATE: 30 YEAR FIXED RATE:

Monthly Principal & Interest Payment

3.000% 3.126% $772.49 3.500% 3.568% $463.97 3.750% 3.799% $370.49

• On-Line applications now available.

Se habla espanol

Dan Sabol NMLS#657953

NMLS#461071 250 Marquette St. LaSalle, IL. 61301 • 815-223-0700 *APR = Annual Percentage Rate APR is based on 80% Loan to Value, a 20% down payment on a purchase or 20% equity for a refinance, and a loan amount of $80,000. Monthly payments range from $46.31 to $96.56 per $10,000 borrowed. Subject to credit approval. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. The stated APR and terms are for illustrative purposes, and reflect representative credit terms currently available to present and prospective clients. Your APR and terms may be different, based on a SM-CL1677361 number of factors.

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Call Dan “The Mortgage Man” for financing opportunities.

3.125% 3.212% $557.29

Purchase • Refinance • Construction • VA • FHA Rehab • First Time Home Buyers • 100% Financing

Respected and Recommended Since 1871 SM-CL1677379

Mike Porter

APR*

Ottawa Savings Bank

925 LaSalle Street, Ottawa, IL 61350 815-433-2525

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North Ottawa Plaza 2715 N. Columbus

815-434-2122 1-800-310-2627

Windsor Realty NE W

Ottawa

NE W

$118,000

Move-in ready! Don’t miss out on this 3 bedroom ranch home with 1 full bathroom. Many updates - newer roof, siding, windows, air conditioner, and furnace with Nest thermostat. All appliances stay which include, refrigerator, over the range microwave, stove, dishwasher. #10407815

Century 21 Windsor Realty

815-434-2122

NE W

Marseilles

$32,000

815-488-6889

$168,500

Unique Riverfront Property! Enjoy tranquil country living in this log home with its beautiful water view. Kitchen furnished with newer stainless steel appliances. Newer carpet in the main floor bedrooms. Focal point in rustic living room with cathedral ceilings is wood burning stone fireplace. Finished walkout lower level includes family room, 3rd bedroom, office or 4th bedroom, and 1/2 bath. Main floor laundry. 2 car garage. $120 yearly community well fee. Lower tax rate 6.98%. Property in flood zone. #10421430

Kim Eddy

John Hettel

815-488-6889

Earlville

Don Fox

$58,000

Come see this three bedroom, one bath home with separate dining room. Huge upper level bedroom or would make a great playroom. Full basement and enclosed porch. Plus fenced yard and two car garage with alley access. #10313428

Lee Pearlman

R EDU C

815-252-7108

ED

Ottawa

$166,000

Jennie Lamb

815-252-0127

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ED

Streator

$400,000

Very unique highly proficient profitable business property.

This property is currently used as a parking facility and maintenance facility for housing 25 school buses, 20 electrical plugins in winter engine heater capability. A maintenance building that can hold 2 buses for maintenance work. The metal building has 2 overhead electrical doors 50’x40’ approximately and is heated. #10419250

Don Fox

815-488-8435

815-481-2160

ED

Ottawa

$99,500

Three bedroom updated ranch with attached garage conveniently located on a cul-de-sac lot north of downtown Ottawa. Improvements in the past three years include roof replacement, new central air unit, replacement windows except in living room. #10424261

Larry Windsor

815-228-6121

NE W

Ottawa

$21,970

Area

$30,000

815-488-6889

Don Fox

815-488-8435

Rare find... Dupleax lot in Ottawa. Parcel is zoned for a single family or duplex. This property is .55 acres. Located at the end of a cul-de-sac.

Convenient north side location, easy access to I-80. #10397905

Kim Eddy

S OLD

$93,000

Lot in cul-da-sac in Phase 2. Owner related to agent. #10415515

S OLD

Ottawa

$59,999

North side 4 bedroom, 1.5 story home. This home features hardwood flooring, full bathroom and two bedrooms on the main level with additional two bedrooms upstairs. Detached 20x24 garage. Large deck and spacious back yard. #10376654

Kim Eddy

815-488-6889

Ottawa

$199,500

Immaculate & charming 4 bedroom, 3 bath home!

Spacious eat-in kitchen has quartz counter tops, breakfast bar, & appliances. Family room opens off the kitchen with cathedral ceiling & fireplace. Main level master suite offers walk-in closet and full bath. Tasteful decor throughout and Move In Ready! #10382959

Kim Eddy

815-488-6889

S OLD

Ottawa

$129,500

Larry Windsor

815-228-6121

Three to four bedroom ranch in move in condition on a large 66’x140’ lot. Roof replaced in 2014. Two storage sheds. New garage door opener. Partially finished basement for family room or fourth bedroom. Backup electrical system. House built in 1940 with addition in 1973. Fenced yard. Finished garage with pull down stairs to additional storage. Stove and refrigerator included. #10311331

R EDU C

Many options for this property. Property consists of two homes on large lot. Main home has 4 bedrooms, living room, dining room, sun room, & full basement. New wiring, plumbing, and roof in 2017. New driveway in July 2018. Newer furnace & water heater. New roof in 2017 & some replacement windows. #10364973

$42,000

815-488-8435

Mary Wiesbrock

NE W

NE W

Newly updated 3 bedroom, 1 bath ranch. New roof completely tore to studs.

Kitchen has new cupboards, farm house sink and snack bar nicely done.

Seller will be providing a $3,000 credit at closing for appliances. Bathroom includes soaking tub with beautiful tile work, new flooring, vanity & stool.

Redone hardwood floors in dining room and living room. Enclosed front porch with heat and plenty of natural light! Freshly painted throughout and new carpet in bedrooms. New ceiling fans and new lighting. Plumbing redone. Alley access. Close to city park. #10358620

R EDU C

Streator

815-228-0277

2 bedroom mobile home with living room, kitchen, and bathroom. Natural gas, Ameren electrical, on shared well $75 yearly fee, has gas fire place in master bedroom. The mobile home sits on a lot 77x145 with a 2 car garage. With door opener.

Located in Harding. #10421413

R EDU C

NE W

Sheridan

$149,900

One story country cottage built in 1875. You have to see the original built-in cabinets that adorn the large kitchen with an island adjacent to the family room. The gas fireplace makes this home so cozy. Formal dining room with built-in china cabinet and pocket doors, large living room, master bedroom with double doors, master walk-in closet, and charming master bath with 2 pedestal sinks, tub with shower, and seperate room for stool with linen closet. 2 more bedrooms with closets and a full bathroom with tub shower combination.

Enclosed sunroom. New roof in 2019, furnace & water heater 2010, washer & dryer 2010, stove 2017. New garage doors are negotiable. Close to park & grade school. A must see!#10426222

NE W

Three bedroom, one bath home located on a 100x100 corner lot. Two bedrooms on main level with a large bedroom on upper level. Breezeway between home and 20x26 garage. Real Estate taxes based on a market value of $100,263. Home being sold as is. #10421430

Kim Eddy

Grand Ridge

NE W

Bette Pearlman Managing Broker

ED

Mendota

Century 21 Windsor Realty

AC C E P

Ottawa

$150,000

Mary Wiesbrock

815-481-2160

Brick ranch, 3 bedroom, 2 bath, 2 car attached w/large back yard partially fenced. Private Patio. Inside has large main floor laundry room w/utility sink. Basement has been water proofed and could be finished. Upstairs has storage galore with great size bedroom closet. Painting has been done. Hardwood floors are under most carpet. Room could be opened for an open concept. #10330644

$64,900

Spacious three bedroom, 1.5 bath home. Beautiful woodwork. Some hardwood floors, fireplace, eat in kitchen, fence, and sunroom. Building could be turned back into 1 car detached garage. Alley access. Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in AS IS condition.#10306720

T ED O F

Ottawa

815-434-2122

$93,500

Charming and move in ready! Don’t pass up the opportunity to own this custom built, one family home. This timeless ranch is set on a large yard with established perennial landscaping. Home feels spacious with 3 bedrooms and separate family room and living room. Thoughtful built-ins make closet storage even more functional. #10358565

Danielle Jackson

815-712-4351

Ottawa

$138,000

Lee Pearlman

815-252-7108

F ER

$309,000

Stunning 4 bedroom, 2.5 bath home. You’ll love the open floor plan. Kitchen has custom hickory cabinets and island. Family room offers cathedral ceiling and gas fireplace. Beautiful hardwood flooring. Main level master suite includes full bathroom with separate shower, double bowl vanity, walk-in closet. #10384302

Kim Eddy

Tonica

815-488-6889

Well maintained 1 owner 3 bedroom, 1 bath home on Ottawa’s south side. This tri-level features an eat-in kitchen, plus a family room with a wood burner converted to gas logs. McKinley School District. Located on a nice sized lot with a fenced-in back yard. A Must See! #10170088

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AC C E P

Ottawa

$110,000

Two unit conveniently located on a corner lot near downtown Ottawa. Roof and siding replaced approximately six years ago. Owner lived in updated downstairs unit with eat-in kitchen, large deck, central air, and 2 1/2 car garage. One bedroom upstairs unit with long term tenants rents for $500. #10372314

Larry Windsor

815-228-6121

S OLD

Ottawa

$70,000

815-712-4351

S OLD

Ottawa

Larry Windsor

815-228-6121

$39,900

Many possibilities in the two bedroom, 1 bath home on large lot(over 1/2 acre). Garage is a tear down. This property is eligible under the Freddie Mac First Look Initiative 05/08/2019 for owner occupied offers. Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in AS IS condition #10349007

Century 21 Windsor Realty

$163,500

815-434-2122

$99,000

Don Fox

815-488-8435

T ED O F

815-488-6889

Ottawa

$255,250

Lee Pearlman

815-252-7108

$124,500

Charming one level duplex with 3 bedrooms and 2 full baths. You’ll love the open, split floor design which features a large family room, dining, and kitchen area. With the split floor plan, the master suite is on one side of the unit and the additional two bedrooms and bath are on the other. Gleaming hardwood floors in the family and dining rooms, six panel doors throughout, plenty of closet and storage space. Kitchen offersabreakfastbar;familyroomincludesagasfireplace.Mainlevellaundry.Fullbasementwithroughin bathroom for future finishing. Well maintained and move in ready! #10349733

Kim Eddy

815-488-6889

$82,500

This two story home has four bedrooms, three baths and includes family room and separate dining room. Located in a small subdivision near Starved Rock State Park. Fireplace.

Porch. Patio doors to upper deck. Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in AS IS condition. #10172480

Century 21 Windsor Realty

815-434-2122

Oglesby

Ottawa

$200,000

$79,500

815-288-6121

$155,900

Danielle Jackson

815-712-4351

Ottawa

$280,000

Larry Windsor

815-228-6121

Bring your toys because this unique property is waiting for you. Nicely kept 3 bedroom, 2 bath home features a massive 3+ car garage / workshop that’s sure to keep any enthusiast happy. 16ft high garage door and high ceilings can easily accommodate boats, RV’s, enclosed trailers, an automotive lift or even a full semi cab with room to walk around. A spacious unfinished loft upstairs has separate accessbehindgarageandcould befinishedto suit yourneeds.Homehasscreenedin patio to enjoyviewsofbeautifully landscapedbluff.

Well laid outfloorplanfeels roomy&comfortable loftstyle bedroomupstairswould makeperfecthomeoffice.Conveniently locatedjust minutesfromI-80andcloseproximityto TheCliffsoffRoadridingpark,I&Mcanal, StarvedRockState Park&Il inois/Foxrivers.#10138047

Ottawa

$72,500

Updated two bedroom house on a corner lot.

Windows have been replaced, interior and exterior painted, and new flooring installed throughout the house. Large sunroom, main floor laundry, eat-in kitchen plus dining room. All appliances included. #10383309

Larry Windsor

815-228-6121

Four bedroom, three bath home on 1.61 acres in Terra Cotta Subdivision with 28’x30’ attached garage. Large eat-in kitchen with all appliances has sliding glass door to deck and patio. Stone fireplace in living room. Den, bedrooms, full bath and laundry room on first floor. Large foyer with floor to ceiling glass, wood ceiling, and open stairs to second floor. Sauna off upstairs ball bath. Master bedroom has walk-in closet and private deck.

Familyroominbasementwithbookshelvesandsecondfireplace.Basementalsohasa15’x29’recreationroom and additional paneled areas. Fireproof four drawer file cabinet will stay. Wallace School District. #10350710

Ottawa

$129,500

Larry Windsor

815-228-6121

Five bedroom, two bath attractive home conveniently located on a corner lot near downtown Ottawa. Large eat-in kitchen plus formal dining room. Living room has electric fireplace and access to a screened patio. Main floor family room with decorative fireplace. Washer and dryer hookups on main floor. Hot water heat. Appliances included. #09985100

Great opportunity to purchase this commercial building that includes an office, waiting room and restroom and attached to a 4 overhead door work space. 2 newer furnaces in work area. Great visible location on the N/W corner of Rt 6 and Rt 23. The business is not for sale. #10097422

Lee Pearlman

T ED O F

815-252-7108

Ottawa

$22,000

One acre building site in Brittany Woods, an established country subdivision just west of Ottawa. Wallace Elementary School and Ottawa Township High School. #10345648

Larry Windsor

815-228-6121

Meadow View Estates Marseilles $20,00 per lot

North Marseilles. Townhome lots and single family lots available. Separate water and sewer for each unit on townhome lots. Easy access to I-80. Agent Related.

Kim Eddy

815-488-6889

F ER

Ottawa

$62,500

Two bedroom home in move-in condition. Eat-in kitchen plus dining area combined with living room.

Exterior painted and roof replaced approximately six years ago. Furniture is negotiable. #09999926

Larry Windsor

T AC C E P

Ottawa

F ER

F ER

N

Come home to this well maintained five bedroom, 2 bath home located on 2.05 acres. Newer roof (50yr. shingles), windows, furnace, central air, and water heater.

Appliances stay. Three car insulated garage. Commercial grade 6” gutters. Pool table stays. 24x37 metal building.

A rare find in the Wallace School District. #10384362

Two unit in a residential area of Oglesby. Downstairs unit in one to two bedrooms with enclosed front porch, main floor laundry, and two car garage. Stove and refrigerator. Rent for $725 per month. Upstairs unit is one bedroom with a separate outside entrance and a one car garage.

Stove, refrigerator, washer, and dryer. Rent for $500 per month. Currently vacant. All utilities are separate and tenants pay them. #09277744

T ED O F

Marseilles

AC C E P

Ottawa

AUCTIO

Larry Windsor

Marseilles

AC C E P

Nice 3 bedroom 1 bath updated home in Marseilles.

Many new updates include freshly painted interior, and refinished stained living room hardwood floors.

Refinished and sealed other hardwood floors. Kitchen has new vinyl floors, new dishwasher, stove (2019).

Electric has been brought up to code. #10379166

AC C E P

Coal City

F ER

S OLD

You’ll be impressed and must see this 4 bedroom, 2 bath home. Bright and open kitchen / dining area layout with cathedral ceiling. All appliances included. Recent updates include painted interior, washer and dryer 2015, dishwasher 2018, refrigerator 2013, water heater 2016, and reverse osmosis 2016. Wonderful vinyl fenced back yard with patio, deck, and 21 ft. 2017 heated pool. Heated 2 car garage. Convenient location near shopping, restaurants, park, and river. Charming inside and out! #10337842

Kim Eddy

$99,500

Five bedroom, two bath renovated home conveniently located near downtown Ottawa. Room listed as a family room upstairs could be a possible six bedroom. Floors are mostly hardwood or laminate. Large front porch. Gas hot water heat. Property was once a two unit and could be converted back to a two unit if desired with outside stairs for private entrance to upstairs.#10332293

S OLD

Come see the potential in this unique west side property. 2 beds / 2 baths on main level with a one bedroom / 1 bath apartment upstairs with separate exterior access. Main level could potentially be divided into 2 efficiency apartments. Large 2 car garage with loft is an added bonus. Home is in process of being cleaned out - current owners moving. Both levels need finishing work. Don’t let this opportunity pass you by! #10339266

Danielle Jackson

Ottawa

T ED O F

ED O F F

815-228-6121

ER

Ottawa

$142,000

Larry Windsor

815-228-6121

Three bedroom, two bath completely rehabbed home with a two car garage. Roof, siding, windows, and doors, including sliding glass door from dining area, have all been replaced within the past year as well as all new plumbing and most of the wiring.

New deck off dining area. #10402086

Crooked Creek Estates II Ottawa $30,000 per lot

Country living, near town location, 6 miles north of Ottawa. 2 creek lots available. Close to Rt. 23/I80.

Agent related. Lower tax rate.

Kim Eddy

815-488-6889

WINDSOR REALTY Kim Eddy 815-488-6889

SRC HOMES 07.13.19.indd 9

John Hettel 815-228-0277

Jennie Lamb 815-252-0127

Linda Jones 815-712-7204

Lee Pearlman 815-252-7108

Mary Wiesbrock 815-481-2160

Larry Windsor 815-288-6121

Don Fox 815-488-8435

Danielle Jackson 815-712-4351

7/5/19 10:46 AM

The Times - Starved Rock Country HOMES

10 Saturday, July 13, 2019

3 factors to consider when choosing a mortgage lender

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7/5/19 10:46 AM

The Times - Starved Rock Country HOMES

Saturday, July 13, 2019 11

The Right Mortgage for You

A home is the most significant purchase many people will ever make.

Perhaps because of that, many buyers, particularly those purchasing a home for the first time, are understandably nervous about the homebuying process. The decision regarding which home to buy warrants ample consideration, but so, too, does the buyers’ choice of lender.

Mortgage lenders can be found all over the internet, and the sheer volume of lender options can make it hard for home buyers to find the right fit for them. Couple that with lending-related terminology that many first-time buyers may be unfamiliar with, and it’s easy to see why prospective homeowners can feel overwhelmed about the process of borrowing money to buy their homes.

When looking for a mortgage lender, prospective homeowners should never forget that the choice of lender is, in most cases, entirely theirs to make. When making that decision, a host of variables should be considered. The following are three such factors that, upon ample consideration, may help buyers rest easy knowing they did their due diligence when looking for lenders.

1. Reputation/recommendation Just like other businesses, lenders have reputations, and oftentimes those reputations can be determined via some simple online research.

Peruse online reviews to determine what past buyers felt about a given lender. If possible, ask friends, family or colleagues who they worked with to secure a mortgage.

2. Fees Fees vary from lender to lender. Fees should not be mistaken for interest rates, which change daily and are typically dictated by the financial industry and prospective buyers’ credit history and financial standing. When speaking with potential lenders, ask for a rundown of their fees, and the services those fees include, and closing cost estimates in writing, then compare and contrast fees and costs of various lenders before making a final decision. Some lenders may charge considerably more in fees than others, so buyers should put in the effort necessary to comparison shop.

3. Personal interaction Buyers, especially those who have never before purchased a home, will likely have lots of questions. This is where personal interaction with a prospective lender should be noted. Securing financing for a home purchase can sometimes seem like an impersonal process, but it doesn’t have to be, and many lenders are happy to answer buyers’ questions. Lenders who answer questions quickly and clearly can make buyers more comfortable about the home buying process. Buyers may want to avoid lenders who seem evasive or unwilling to answer questions in writing.

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Low interest rates and low down payments, we make it easy to get into the home of your dreams with mortgages that fit your needs and lifestyle.

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THE FIRST NATIONAL BANK of OTTAWA 701 LaSalle St. • 815-434-0044

STREATOR NATIONAL BANK 409 Bridge St. • 815-672-2941 * Streator National Bank is a full service banking facility of The First National Bank of Ottawa SM-CL1678598

7/5/19 10:46 AM

12 Saturday, July 13, 2019

The Times - Starved Rock Country HOMES

Secrets to making your home look like you hired a design pro

Photo spreads in home design magazines can be awe-inspiring.

Quite often homeowners wish they could lift the looks right off the pages of magazines and transform their own homes into picture-perfect retreats.

accents, such as couches and chairs, and then a third color that pops in accessories such as flowers, pillows and collectibles.

These can be any colors, but the most muted tends to be the more abundant shade.

It takes an eye for design to pull a room together — even with inspiration — and make it both functional and attractive. While hiring an interior designer is one way to go, homeowners can use some of the tricks and techniques the designers employ to do a remarkably good job of improving the interiors of their homes without such help.

Add a bit of bling Glittery items and metallics can add a touch of luxury feel to any space. A shiny table lamp, mirrors, a sparkling chandelier, and the like are easy ways to produce a high-end feel. Reflective surfaces also will cast light around the room, giving the illusion of a larger space.

Embrace texture The colors used in a home can add impact, but designers often utilize various textures to create aesthetic appeal. A single color scheme can be enhanced by various fabrics. Consider a leather sofa made more cozy with chenille pillows next to a rustic side table. Figure out ways to incorporate a few different textures to add depth to the room.

Choose a big statement piece Many homeowners make the mistake of filling a room with several small pieces of furniture that only contribute to clutter. Instead, look for a statement piece, which can be a cabinet, armoire or chaise. Mix and match large and small elements for a sense of balance.

Be careful with color Many high-end homes showcase neutral shades that are enhanced by pops of color. If you like a rich, royal purple, leave room for other colors as well. Add touches of purple in vases, throw pillows and other accessories.

Also, many designers work in shades of three for room colors.

There may be one main color for walls, another color for larger

SRC HOMES 07.13.19.indd 12

Accessorize Finish the room with accessories and flowers. When placing and hanging knickknacks and wall art, odd-numbered groupings often look the most cohesive and interesting. Experiment with different scales and heights for even more dimension.

When inspiration hits, take some cues from interior design pros to make spaces look like they belong on the pages of your favorite magazines.

7/5/19 10:46 AM

The Times - Starved Rock Country HOMES

Saturday, July 13, 2019 13

Country

Kim Kettman

815-257-8910

815-670-0131

BROKER

1803 S. Bloomington St, Streator Phone: 815.672.9099 Fax: 815.673.5099 Website: www.countryil.com #10121181

Jenny Gura

BROKER

Gigi Lansford Jennifer Bliss DeAnna Carlson BROKER

815-674-7656

BROKER

815-674-5483

BROKER

815-488-6611

Beckie Chismarick

Debbie Spangler

815-257-3183

815-674-3098

BROKER

MANAGING BROKER

2123 E 1075th Rd

Oglesby

$555,000

#10426970 1207 E Hickory St

Streator

#10278064 1151 N 1850th Rd

Streator

$425,000

#10376019 308 S Everett St

Streator

$75,000

#09484986 1099 E Livingston Rd

Streator

$290,000

#10166883 1404 S Jackson St

Streator

$73,900

#10113992 146 W Bluff St

Streator

$205,000

#10168660 212 W MORRELL St

Streator

$68,000

#10434655 827 IL Rt 17

Wenona

$190,000

#10399759 1112 S Bloomington St Streator

#10051446 2586 E 1251st Rd

Ottawa

$160,000

#10263086 1517 N Baker St

Streator

$65,000

#10400545 1 S Maplewood Ave

Streator

NEW

$159,900

#10377815 909 Madison St

Streator

$55,900

#10427408 144 W 1st St

Streator

NEW

$130,000

#10334903 210 S 2nd Ave

Streator

$54,900

#10427258 33 Sequoia Dr

Streator

NEW

$129,000

#10433370 110 Lasalle St

Streator

#10414699 38 Ridge Rd

Streator

NEW

$118,000

#10057526 512 E Stanton St

Streator

$47,500

#10344207 912 Taylor St

Streator

$105,000

#10024297 318 Court St

Streator

$47,000

#10295930 1013 E Livingston St

Streator

$105,000

#10098484 119 Oak St

Streator

$45,000

#10399223 1107 E Elm St

Streator

NEW

$99,900

#10053441 209 Sangamon St

Streator

$37,900

#10399878 203 W Larue St

Streator

NEW

$94,500

#10378240 613 N Shabbona St

Streator

$37,500

#10371291 214 S Park St

Streator

$89,500

#10338093 114 7th St

Streator

$35,000

#10258439 1415 E Hickory St

Streator

$87,000

#10322036 113 W Kent St

Streator

$25,000

#10258266 47 Manhattan Dr

Streator

$85,000

#10310987 803 N Bloomington St Streator

$21,000

#10424990 1506 E Hickory St

Streator

$78,500

#10393059 406 Carriage Lane

NEW

NEW

Streator

NEW

NEW

NEW

NEW

$76,400

$67,500

$49,900

$17,000

Commercial - Multi Units - Condos - Land #09979437 109 E Elm St

Streator

COMM

$309,000

#10412481 513 Oakley Ave

Streator

CONDO

$97,500

#10358726 307 E Hickory St

Streator

COMM

$220,000

#10412546 515 Oakley Ave

Streator

CONDO

$97,500

#10054314 810 W Bridge St

Streator

COMM

$118,000

#10171697 550 Golf Rd 5B

Streator

CONDO

$80,000

#10410153 1115 N Park St

Streator

COMM

$110,000

#10053120 0 E 1251st Rd

Ottawa

LAND

$190,000

#10295933 404 Powell St

Streator

COMM

$105,000

#10051034 1941 N 3051st Rd

Ottawa

LAND

$72,900

#10273624 104 E Main St

Streator

COMM

$95,000

#10249429 801 W Second St

Streator

LAND

$115,000

#09376531 201 Dannys Dr #1

Streator

CommRental $1,300

#10410920 4 Timber Ridge St Streator

LAND

$65,000

#10167993 2 Michael St

Streator

MULTI

$675,000

#10411305 404 N Bloomington St Streator

LAND

$65,000

#10359667 112 S Vermillion St Streator

MULTI

$180,000

#09909276 1013 Hoyne St

LAND

$12,000

Streator

Each Office is Independently Owned and Operated

SRC HOMES 07.13.19.indd 13

7/5/19 10:46 AM

The Times - Starved Rock Country HOMES

14 Saturday, July 13, 2019

Exterior renovations that improve curb appeal

(MS) - Neglecting a home’s exterior can be a disservice to homeowners, particularly those looking to increase the value of their homes. Curb appeal is important, as a home’s appearance can greatly affect prospective buyers’ perceptions.

Knowing which projects can offer the most bang for their remodeling buck can help homeowners make the right choices when improving the exterior of their homes. The following are some areas where homeowners can direct their focus if their end goal is a great-looking home with added value, as determined by the 2019 “Cost vs. Value Report” from Remodeling magazine. This report compares the average cost of 22 remodeling projects with the value those projects retain at resale across 136 markets.

• Garage door replacement: Homeowners can recoup 97.5 percent of their investment on a new garage door. This remodel tops the list for good looks and value. The average cost of $3,611 is for replacing an existing two-car garage.

• Manufactured stone veneer: Replacing a portion of vinyl siding with stone veneer can greatly improve curb appeal, adding style that can set a home apart. Homeowners can expect to recoup a 94.9 percent return on their investment.

• Wood deck addition: A wooden deck on the rear or side of a home enhances homeowners’ ability to enjoy the outdoors year-round. A wood deck addition recoups 75.6 of the cost of homeowners’ initial investment.

• Siding replacement: Not only does old or weathered siding look unsightly, it can impact the energy efficiency of a home. Even though a siding replacement project is costly — at roughly $16,000 — it offers a 75 percent return and peace of mind that the home is being well-protected from the elements.

• New entry door: Replacing an existing door with a 20-gauge steel door complete with clear dual-pane half-glass panel, jambs and an aluminum threshold with composite stop gets homeowners 75 percent of their initial investment back at resale. Improving the door isn’t all about good looks, either. A door that isn’t well-insulated or secure can be problematic.

In addition to these improvements, homeowners would be wise to focus on some upgraded landscaping, an upgraded roof, new windows, and improved exterior lighting as surefire ways to add curb appeal and potential value to their homes.

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SRC HOMES 07.13.19.indd 14

717 Bellevue Ave., Ottawa Call 815-313-5892 tami@illinoisvalleyradon.com www.illiniosvalleyradon.com

7/5/19 10:46 AM

The Times - Starved Rock Country HOMES

Saturday, July 13, 2019 15

Local Contractors DiversiďŹ ed Sheet Metal

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SRC HOMES 07.13.19.indd 15

7/5/19 10:46 AM

The Times - Starved Rock Country HOMES

16 Saturday, July 13, 2019

Comfort Meets Style. Quality Meets Value.

DIGBY STATIONARY LIVING ROOM GROUP BY FLEXSTEEL Experience casual elegance with the Digby collection. Chic track arms, sleek tapered feet and long horizontal lines characterize this living room seating collection with bold contemporary style. Accent an existing seating arrangement with a chair and ottoman set, or adorn your entire living room with a coordinating sofa, loveseat or sectional. With a selection of more than 1,000 available fabrics and leathers, the Digby collection has the versatility to fit into any home.

QUEEN 11” TEMPUR-ADAPT MEDIUM HYBRID MATTRESS AND TEMPUR-ERGO ADJUSTABLE BASE The TEMPUR-Adapt Medium Hybrid Mattress, introduces a softer, better feel, at a value price point for a premium TEMPUR Mattress. Topped with a CoolTo-Touch Cover, with Premium Knit Technology which stretches allowing you to get the full benefit from the Tempur Material. The top layer of TEMPUR-ES Comfort Layer, provides a softer feel working with the TEMPUR Support Layer for personalized comfort and support. The support core is made up of over 1,000 premium spring coils independently encased, designed in house to work best with the Tempur materials. A dense foam encasement borders the coils providing a firm edge support.

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Rt. 23 (N. LaSalle St.) & Jefferson St.

815-433-8875 OPEN 7 DAYS A WEEK

turkfurniture.com FINANCING AVAILABLE SM-CL1675517

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