Starved Rock Country Homes - August 2020

Count ry HOMES FREE

August 2020

Starved rock ®

®

INSIDE: Home buying during Covid-19 - Page 3 Chimney repair - Page 4 Installing home insulation - Page 6 AND MORE!

Listing by Chismarick Realty See more listings on page 5 1

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The Times - Starved Rock Country HOMES

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Home buying during the COVID-19 outbreak Homeowners know that the process of buying a home can be both exciting and nervewracking. The anxiety associated with buying a home has hit new heights during the outbreak of the novel coronavirus COVID-19.

Historically low interest rates and limited inventory has made 2020 an especially unique time to buy a home. It’s also a competitive and potentially expensive time to buy a home. While the economic consequences of COVID-19 have been severe, the Federal National Mortgage Association, also known as Fannie Mae, forecasted a significant increase in median home prices in March 2020. City dwellers have scrambled to buy homes outside of cities, where social distancing is more difficult and the risk of getting COVID-19 appears greater than it is in suburban or rural settings. That’s led to a lot of competition among prospective buyers.

Prospective home buyers willing to enter the hectic fray and shop for a home during the COVID-19 outbreak may benefit from knowing what to expect as they search for their next home.

• Get ready for virtual tours. Buyers might once have scoffed at the notion of buying a home they’d only seen in videos, but virtual tours have become the new normal in the wake of the pandemic. An April survey from the National Association of Realtors® found that home tours had declined sharply. While 98 percent of realtors reported taking clients on home tours as recently as February, that number had declined to 63 percent by April. As many regions pause their reopening plans, prospective home buyers should ready themselves for virtual tours as opposed to in-person home tours.

• Expect limited inventory. While home prices are up, many people are holding onto their homes. The NAR reports that total housing

inventory at the end of May 2020 was down nearly 19 percent from the end of May 2019. Buyers will have less inventory to choose from, so those intent on buying may need to prioritize what they need in a home and focus on finding properties that can fulfill those needs.

• Expect to move quickly. Realtors have seen homes sell within days of being listed, and that has put pressure on buyers to move quickly.

It also highlights the importance of finding a home inspector before your search begins as well as a lender who can handle quick closings.

Ask around for recommendations, but make sure you have these two important professionals lined up before beginning your search. Doing so will give you a better chance of buying in an unusual time.

• Make the best down payment you can afford. A high down payment makes buyers look better no matter the state of the economy.

An offer with a high down payment looks like a stronger offer, and that can make the difference between winning and losing a potential bidding war.

Buying a home during the COVID-19 outbreak presents some unique challenges to prospective buyers.

INDEX OF ADVERTISERS REAL ESTATE Chismarick Realty.........................................................................................................5 Starved Rock Realty....................................................................................................7 Real Estate Agent.......................................................................................................10

FINANCIAL & MORTGAGE AFFILIATES Eureka Savings Bank.....................................................................................................8 Financial Plus Credit Union......................................................................................9 First Federal Savings Bank.........................................................................................2 First National Bank of Ottawa...............................................................................9 First State Bank...............................................................................................................4 SOCU............................................................................................................................... 11 Streator Home Savings Bank............................................................................... 10 Wells Fargo Home Mortgage................................................................................6

LOCAL PRODUCTS & SERVICES Arrow Well & Pump................................................................................................12 Danchris Nursery - Contractor’s Grouping..............................................12 Diversified Sheet Metal - Contractor’s Grouping..................................12

Quality Care Cleaning................................................................................................ 8 Marseilles Sheet Metal............................................................................................. 12

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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Get ahead of chimney repair this season Woodburning fireplaces or fuel stoves can add warmth and ambiance to a home. These appliances are particularly coveted in the cooler months when people spend more time indoors. Maintenance is necessary in order for fireplaces and stoves to function safely, and that upkeep must include paying close attention to the functionality of the chimney.

Chimneys are designed to last for decades.

Cracks and spalling in brick chimneys are common concerns that can cause significant damage if left unchecked.

Chimney maintenance involves more than cleaning the flue. Rather than running the risk of costly repairs, which can cost several thousand dollars, homeowners can take some simple steps to keep their chimneys in tiptop shape. Certain components of chimney maintenance are do-it-yourself tasks, while others may be better left to the professionals.

• Start from the inside and ensure that dampers are working properly. When using fireplaces and other appliances, dampers need to be open to allow smoke to vent outside; otherwise, smoke will be trapped in the home and could lead to carbon monoxide buildup.

Dampers need to be fixed or replaced if they are not operational. Replacement fireplace

dampers should be snug and not have any gaps, states Vertical Chimney Care.

• Conduct a visual inspection of the chimney to check for any cracks or spalling.

Spalling is the wearing away of masonry due to water, weather and time. If enough of the material erodes, that erosion can adversely affect the structural integrity of the chimney.

Some repairs can be made by patching up cracks or replacing missing bricks. Chimney tuckpointing is the process of repairing mortar.

• Think about waterproofing the chimney to prevent damage. A water sealant applied to the outside of the chimney can prevent moisture from breaking down the masonry.

• Inspect and replace the chimney cap if it is worn out. A chimney cap is a contraption that sits atop the chimney to allow the smoke to vent while also preventing critters and water from going inside the flue, helping to extend the flue life. The chimney cap attaches to the flue liner, so outside dimensions should be taken to ensure the cap is the right size for the chimney.

• Have the chimney swept. Sweeping helps remove the soot and debris that clings to the inside of the flue, known as creosote. The

amount of time the fireplace is used will determine how often the chimney must be cleaned.

Generally speaking, the chimney liner needs to be cleaned if it has 1⁄8-inch or more of soot.

Regular inspection and maintenance can help keep a chimney working safely for decades. For those who do not like working at such an elevation, leave exterior chimney repair to a certified professional.

Opening Doors.

Closing Loans.

Bringing You Home.

EXCELLENT RATES • QUICK LOCAL DECISIONS PERSONALIZED SERVICE • INDIVIDUAL ATTENTION

TARA STEFANICH

Mortgage Originator 815.433.3727 Ottawa tstefanich@firststatebank.biz NMLS#688620

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ASHLEY RZASA

Mortgage Originator 815.673.4381 Streator arzasa@firststatebank.biz NMLS #1900504

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Jennifer Bliss

Patrick Chismarick

Jenny Gura

Gigi Lansford

815-674-5483

815-257-2076

815-257-8910

815-674-7656

BROKER

1803 S. Bloomington St, Streator Website: www.chismarickrealty.com

BROKER

BROKER

BROKER

Beckie Chismarick DESIGNATED MANAGING BROKER

815-257-3183

123 Carriage Ln, Streator

318 Court St, Streator

908 N Park St, Streator

108 W 12th St, Streator

3 bed | 2 bath | Mobile Home MLS# 10781957 $19,500

2 bed | 1 bath | 1257 Sq Ft MLS# 10024297 $39,900

2 bed | 1 bath | 1451 Sq Ft 2 car garage | MLS# 10740710 $44,000

2 bed | 2 bath | 1144 Sq Ft MLS# 10749139 $55,000

801 W 2nd St, Streator

1406 E Kent St, Streator

308 S Everett St, Streator

213 E Livingston Rd, Streator

1 bed | 1 bath | 1200 Sq Ft MLS# 10495302 $65,000

6 bed | 1.1 bath | 1936 Sq Ft 2 car garage | MLS# 10737809 $65,000

2 bed | 1 bath | 1027 Sq Ft 2 car garage | MLS# 10607037 $69,900

2 bed | 1 bath | 1040 Sq Ft 2 car garage | MLS# 10594635 $70,000

COMMERCIAL PROPERTY 1714 N Franklin St, Streator 3 bed | 1 bath | 1165 Sq Ft 2.5 car garage | MLS# 10612738 $75,000

1115 N Park St, Streator MLS# 10649524 $650/mo

601 E Main St, Streator MLS# 10618761 $62,000

510 E 12th St, Streator MLS# 10503390 $100,000

201 Danny’s Dr #1, Streator MLS# 09376531 $1300/mo

212 E Main St, Streator MLS# 10617080 $89,000

109 E Elm St, Streator MLS# 09979437 $289,000

1210 E Main St, Streator 3 bed | 1 bath | 1247 Sq Ft 2 car garage | MLS# 10795534 $85,000

1804 Golfview Dr #4, Streator

1500 Manhattan Dr, Streator

411 S Sterling St, Streator

307 E Hickory St, Streator

3 bed | 1.1 bath | 1424 Sq Ft 1 car garage | MLS# 10797582 $85,000

4 bed | 2 bath | 2508 Sq Ft 1 car garage | MLS# 10795273 $95,000

Office Bldg | Apt |Extra lot 2 car garage | MLS# 10358726 $99,000

320 W Main St, Grand Ridge

7068 E 3000 North Rd, Manville

2123 E 1075th Rd, Oglesby

00 E 1251st Rd, Ottawa

3 bed | 2 bath | 1292 Sq Ft 5 car garage | MLS# 10630715 $129,500

3 bed | 1.1 bath | 1726 Sq Ft 2 car garage | MLS# 10600076 $134,900

2 homes | 1950 Sq Ft | 1750 Sq Ft 10 acres | MLS# 10121181 $495,000

Land near Catlin Nature Preserve 10+ acres | MLS# 10053120 $170,000

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2 bed | 2 bath | 1150 Sq Ft Condo 1 car garage | MLS# 10718668 $125,000

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Types of home insulation and where to install them When thinking about renovating their homes, homeowners may imagine changing wall colors, expanding room sizes or upgrading appliances and fixtures. However, unless people take inventory of the less glamorous components of the home, such as structure, plumbing, heating and cooling, and insulation, other improvements may be for naught.

A home insulation project certainly doesn’t offer the wow factor of a kitchen remodel, but insulation serves a vital function in the house that helps keep people comfortable and reduces energy consumption. Insulation is typically placed in areas where air escapes, such as between the stud cavities inside the walls and in the attic, and serves to slow and reduce heat transfer.

The U.S. Department of Energy says between 50 and 70 percent of the energy used in homes is for heating and cooling.

By improving home insulation, homeowners can make their homes more comfortable, consistent and efficient. In fact, the ENERGY STAR program overseen by the U.S. Environmental Protection Agency says homeowners stand to save an average of 15 percent on heating and cooling costs

by adding proper insulation. To do so, homeowners can take a crash course in home insulation and find the products that fit their needs.

Blanket batts and rolls Blanket batts and rolls typically are constructed with fiberglass, so proper safety gear, such as a mask and gloves, is needed when handling them. Installing this type of insulation is relatively easy since the materials are designed to fit the standard width between studs, rafters and floor joists.

Loose fill Loose fill is usually made of fiberglass or cellulose (recycled paper fiber). It is blown or sprayed into place with pneumatic equipment, according to The Home Depot. Loose fill can be ideal for hard-to-reach areas in attics or inside wall cavities. It’s good for adding insulation to irregularly shaped areas. Since it requires special equipment, this is a job best left to professionals.

Sprayed foam Sprayed foam is just as the name implies, a foam made from polyurethane, polyisocyanurate, cementitious, or other materials that are applied by a spray container.

DIYers who need only small applications can use canned products . Large quantities are pressure-sprayed by professionals.

Foam board/rigid foam panels Ideal for unfinished walls, such as basement or foundation walls, floors and ceilings, these are boards of polyurethane or polystyrene. Foam boards tend to reduce energy consumption more effectively than other types of insulation.

Homeowners considering upgrading their insulation or amending existing insulation should do their homework on the type of insulation that will be most effective for their homes.

Helping you finance your happily ever after Whatever your home financing needs may be, I’m here to help you. With access to a broad selection of products and programs, homebuyer resources, and my support, you can feel confident that the home financing you choose will work through years of homeownership.

I look forward to working with you throughout a lifetime of homeownership.

Contact me today.

Geoff VeZain

CS5218

Home Mortgage Consultant Phone: 815-433-3715 Cell: 815-258-7772 geoff.vezain@wellsfargo.com NMLSR ID 413494

Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2017 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801.

REV 3/18 108193-2 -

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Starved Rock Realty

620 N. Division St. St Utica

(815) 667-9990 667 9990

www.starvedrockrealty.net www starvedrockrealty net

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

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bedroom, 2 bath, 1 car attached garage with main floor

landscaped yard - oversized 2 car heated garage with

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wonderful workshop and several 220 outlets for heavy

Tenant pays utilities - Like Brand New! $1450 Fully

tools.

Furnished.

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MLS # 10677263

130 Mill St.

MLS # 10687630 Cash in on the average 2.5 Million annual visitors to Starved Rock Area & the local residents by owning the only Grocery store in Historic Downtown Utica.

Currently a grocery with available space for deli and butcher shop. Wonderful Walk-in freezer & walk-in refrigerator that opens to many refrigerated display cases. Nearly 4000 sq ft of commercial space.

Currently Rented. A great opportunity for a steady rent.

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671 N. 2101st Rd, Tonica $47,000 409 Esmond Dr, Utica $295,000 303 E. Prospect Ave, Ottawa $124,900 1910 Ottawa Ave, Ottawa $103,500 1914 LaSalle St, Ottawa $102,500 846 Chartres St, LaSalle $52,500

1620 Kansas St, Ottawa $58,750 741 Westwood Dr, Ottawa $81,000 707 Erica Dr, Utica $290,000 2038 N. 31st Rd, Ottawa $130,000 808 Kimberly Ln, Ottawa $238,500 Saturday, August 8, 2020

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Signs your gutters are in need of repair Fall is a great time to tackle projects around the house. The weather each fall allows homeowners to make improvements to their homes’ exteriors without worrying about extreme heat or cold, while interior projects like painting are made easier because homeowners can open the windows to allow for proper ventilation.

Fall also marks a great time to prepare for upcoming projects that can make winter work that much easier. For example, fall is a great time to take stock of your gutters so you can address any issues before leaves begin to fall or the first snowstorm touches down. Compromised gutters can contribute to water issues in basements and adversely affect a home’s foundation if not addressed immediately, so it behooves homeowners to learn the signs that gutters are in need of repair or replacement.

• Gutters hanging off the home: Gutters were once installed predominantly with spikes. However, many industry professionals now install gutters with hanger brackets. Why the change? Spikes loosen over time, leading to the gutters hanging off the home. That can contribute to serious issues if left untreated. Gutters hanging off the home need not necessarily be replaced, but rather secured to the home, ideally with hanger brackets instead of spikes. Brackets hook into the front of the gutter and are then screwed into the fascia of a home. A professional who specializes in gutter

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repair can perform this task relatively quickly, and it’s an inexpensive yet highly effective solution.

• Gutter separation: Gutters that are no longer fastened together can leak and contribute to issues that affect the home’s foundation, siding and appearance. Clogs and the accumulation of debris can cause gutters to separate because they are not designed to hold too much weight. Replacement of separated gutters may or may not be necessary depending on how big the problem is and the condition of the existing gutters. If replacement is not necessary, separated gutters may be remedied by securing the joints, another relatively simple and inexpensive fix.

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• Peeling exterior paint: Paint that appears to be peeling off of your home may indicate that water is seeping over the edge of the gutter closest to your home. When that happens, water is coming down the side of the house, causing the paint to peel. In such instances, replacing the gutters is often necessary.

• Basement flooding: Not all signs of deteriorating gutters are outside a home. Many a homeowner has been flummoxed by flooding in their basements, and such flooding can be caused by aging, ineffective gutters. That’s because deteriorating gutters sometimes allow water to leak near the foundation of a home, contributing to basement flooding.

Fall is an ideal time to inspect gutters and have any issues fixed before leaves begin to fall or harsh winter weather arrives.

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Did you know?

Dog owners often find that having a fenced-in space gives pets an opportunity to run around off-leash and enjoy time outdoors and can make it easier for pets to go out on bathroom breaks. Still, pet owners must recognize that inquisitive dogs can get into trouble even in seemingly safe yards. One potential danger is ingestion of potentially toxic mushrooms. It is essential for homeowners to check their yards for mushrooms all year long, but especially during wet springs and in the fall. Mushrooms can pop up overnight. Depending on the type of mushroom and the size of the dog, ingesting even a small amount can result in gastrointestinal distress or more dire circumstances, like liver failure. Certain mushrooms give off a fishy smell and they may entice dogs who are prone to indiscriminate eating. According to the animal care resource Preventative Vet, signs of mushroom toxicity include vomiting, salivating, yellowing of the skin and “whites of eyes,” coma, seizures, and loss of balance. Other dogs may experience diarrhea or refuse to eat. Any pet owner who has suspected a dog has eaten wild mushrooms should consult a veterinarian.

Early treatment can help and prevent more serious organ damage or death. Pet owners who cannot trust their dogs unattended in the yard should bring their pups out on leashes or keep careful watch on them while they’re outdoors.

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If interested to run on this page Call your Advertising Representative or (815) 433-2002 and our support team can help you 10

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5 tips to prepare for window replacement Winter is coming, and for millions of people who reside in areas of the country that see the mercury drop considerably between December and March, that means prioritizing staying warm. Inefficient or aging housing materials may compromise your ability to do just that.

Drafts from doors, poorly protected attics and basements and aging windows may force heating systems to work extra hard to maintain interior temperatures.

Replacing old windows can make a home quieter by blocking out exterior noises.

Consumer Reports also notes that new windows are often easier to clean and maintain than older varieties.

Many homeowners are interested in replacing their windows, but may not know where to start. These guidelines can help the process along.

1. Get several estimates. Ask for recommendations from neighbors or other people in your area on which companies they used to install their replacement windows.

When you interview the prospects, ask several questions about how they go about installing the windows. Questions can include: • How long will the project take?

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• Will I need to remain home during the process?

• Do you discard of old debris?

• What is the protocol for installation during inclement weather?

2. Research permits. Most home renovation projects need to be approved by the local municipality.

Go to the permit office and find out the requirements. Some window contractors will include securing permits in the cost of the project. After the project is completed, an inspector will come by and ensure the work was done according to code.

3. Change up the appearance. Look at the type of hardware you have around the home and other fixtures. Choose windows that have locks or latches that can match those features for continuity of style. Think about choosing a different style or frame color of the window, or a different type of window to improve efficiency and function.

4. Research top window manufacturers.

It’s tempting to purchase windows based on price alone, but replacement windows are often a decision that only has to be made once or twice for the life of the home. Invest in

durable windows that will have staying power.

Consumer Reports offers unbiased reviews on various window brands and can help homeowners make sound decisions.

5. Prepare for installation. Clear pathways, remove window treatments and disconnect window alarm systems. Plan for one to two days of installation, advises Andersen Windows and Doors. Keep pets and children away from work areas.

Replacement windows can be a smart investment. New windows can improve the look of a home, reduce heating costs and can keep interior spaces comfortable.

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