SVM-SS1_10022014

Real Estate Weekly A Marketing Feature of Sauk Valley Media

Thursday, October 2, 2014

www.saukvalley.com

Sauk Valley Media • C1

THIS WEEK’S FEATURE

New Construction

Brand new 3 bedroom 2.5 bath home with brick and stone exterior, cherry & maple cabinets in the kitchen with granite countertops & wood floors. Living room offers gas fireplace & vaulted ceilings. Master suite offers full bath with whirlpool tub & dual head shower. 3 car garage, full basement ready to be finished by the new owner and much more. Call Eric at 815-973-6768 or got to birdrealtysells.com for more information.

299,900

$

MLS#123159

Eric Bird

Managing Broker 815-973-6768

Sauk 1319 N. Galena Ave. Valley Dixon, IL 61021

(815) 284-4663

110 E. Lynn Blvd., Sterling, IL 61081

POLO RANCH

SaukValleyRealEstate.com SaukValleyOpenHouse.com

(815) 625-3722

www.SaukValleyRealEstate.com

Perfect 3 bedroom, 2 bath brick ranch with oversized garage, updated roof, windows, cabinets, HVAC & appliances.

Call or go to TraceyDeCrane.com for more information.

Call Tracey for Expert Guidance in Buying or Selling.

TRACEY DECRANE RE/MAX Sauk Valley (815)677-2164

815-677-2164 • www.TraceyDeCrane.com

Outstanding Agents - Outstanding Results $159,900

#123852

$214,900

#122394

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Edson Cox

$114,500

#123823

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John Rosengren Broker/Owner 815-631-8550

815-499-0821 www.edsoncox.com edsoncox@gmail.com See My Visual Tours Online!

edsoncox@gmail.com #120345

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$1,733,000

edsoncox@gmail.com

edsoncox@gmail.com

$271,000

#122893

Country beauty has it all including pool. 2 fireplaces, vaulted ceilings, situated on 2+ acres. 3 car garage. See the bells & whistles. Bring an offer.

#122010

edsoncox@gmail.com

$34,125

#123824

www.JenniferVanOosten.com

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$164,500

#121858

#123756

PARADISE ON THE RIVER

$66,900

3 BEDROOM HOME

Beautiful setting, 2 bedrooms, garage, bar, all the extras, pontoon boat & dock plus dock ramp. Move-in ready!

Kitchen area has breakfast nook, dining room, shed & deck. Garage.

Call Jill Ramirez (Hablo Espanol) 815-716-7379

815-226-3498

Dixon fixer with 4 bedrooms, serious buyers needed. YES, IT NEEDS TLC BUT PRICED TO SELL.

$68,000

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NEW LISTING!

Spacious home with many updates.

2012 - upstairs, 2011 - new gutters, chimney, some windows, 2 exterior doors, 2007 - hot water heater, new subfloor under laminate flooring.

www.SaukValleyOpenHouse.com

Call Brian 815-716-0772 www.briancorwell.com

Call Brian 815-716-0772 www.briancorwell.com

$39,500

#123839

$139,900

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$55,000

#123624

ROCK RIVER ESTATE

Immaculate 3 bedroom 1 3/4 bath mobile home. Attached enclosed 3 season porch. Deck, parking space for 2 cars.

Call Lee Bardier 815-716-3604

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3 BEDROOM RANCH

Northeast Sterling, newer carpets, fenced yard & garage.

See @ www.BardierTeam.com

www.BardierTeam.com

John Rosengren

#122644

$144,900

815-631-8550

BEAUTIFUL CRAFTSMANSHIP TOUCHES!

john@jrosengren.com www.jrosengren.com

Beautiful home situated on a corner lot with open stairway, specialty ceiling and wood floors. Detached garage offers 704 sq. ft. of additional space for workshop, studio apartment or art studio!

PRICE REDUCED

1517 sq.ft. 3 bedroom 2 bath home located in a quiet cul-de-sac not far from town. www.1808KellyCt.com

815-772-4850 • www.BarbKophamer.com #123303 #123521

$64,900

MOVE RIGHT IN

This 3 bedroom home has an extra large heated garage & located on a large corner lot.

Call Gary for more information 815298-1357 www.garycorwell.com

www.SaukValleyOpenHouse.com

CAN YOU FIX IT?

FIX-N-SAVE

www.BardierTeam.com

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OPEN SUNDAY 1-3 OPEN SATURDAY 12-1 300 E 9th Street, Rock Falls 227 Avenue D, Rock Falls $74,900 #123322 $39,000 #120420 Hosted by Louise Gibbons Hosted by Louise Gibbons

$14,500

#123843

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All the bells & whistles plus 24x32 pole shed. 3 bedroom open floor plan.

BEAUTIFUL HOME ON RIVER Completely updated 2 bedroom. Hickory kitchen & original hickory floors. Large game or rec room with wood stove.

edsoncox@gmail.com

Lee Center ranch with 3 bedrooms, full basement, great views.

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BEAUTIFUL SPACIOUS RANCH

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www.briancorwell.com • Direct: 815-716-0772

815-440-0689 $163,900

$67,358

JUST PLAIN AFFORDABLE Sharp 2 bedroom with newer windows, furnace & air. Brick and Vinyl exterior.

Get serious, get your landlord off your back.

Call Brian 815-716-0772 www.briancorwell.com

GORGEOUS 4 BEDROOM FAMILY HOME

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$142,900

edsoncox@gmail.com

#122197

Suzi VanOosten #122313

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Located in Prophetstown, this home has plenty to offer. 4 bedrooms, 2.5 baths & 1.99 acres of privacy. Kitchen is open to the dining area and the spacious living room features a fireplace. A large sun-room for enjoying wildlife from inside. Additional features include a building that has heat & electricity.

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LOCATION, LOCATION, LOCATION! Great commercial property, surveyed & ready to build. Buy an acre, buy entire parcel of 5 acres

AMAZING SETTING

NEW TO THE MARKET

This 3 bedroom home offers a spacious floor plan and is located on a beautiful wooded lot just minutes from town. Features include a formal living room & dining room, large family room with a bar and fireplace, an attached 2 car garage & a 3 season porch. Close access to the walking path and Sinnissippi Park.

#123601

$52,000

WORTH A LOOK

4 bedroom 2 bath ranch edge of town.

Call Gary for more information 815298-1357 www.garycorwell.com

www.garycorwell.com • www.garycorwell.com

$114,900

#121548

$55,000

YOU’LL FEEL AT HOME

Beautiful large family room addition, oak kitchen, 3 bedrooms & 2.5 baths. www.409NBarberAve.com

www.jrosengren.com

ONLY $55,000

1,500 sq. ft. church building with pews & baptistry plus a full basement.

• www.jrosengren.com

C2 • Sauk Valley Media

www.saukvalley.com

Pros and cons of reverse mortgages Chances are you have come across an advertisement for a reverse mortgage and have probably wondered what this type of mortage is all about. Geared toward seniors, reverse mortgages are growing in popularity and

Thursday, October 2, 2014

fear of mortgage payments. Because there are no payments being made during the life of the loan, borrowers do not have to meet income requirements or credit checks.

As long as the borrower continues to maintain residence in the home, he or she is still eligible for the monthly payments received through the reverse mortgage. This money can be used for any purpose and is tax-free. Borrowers can opt to modernize their homes or make safety

improvements. The funds can also be put toward medical expenses or travel or to help family with their own financial needs.

Because the government insures the reverse mortgage program, borrowers need not worry about receiving their payments. Should a lender fail to make a payment, the borrower is eligible for that money and a late fee as well.

Another benefit of reverse mortgages is they protect homeowners against falling home prices.

815-288-3303

View all area listings: www.ucburkerealty.com

Burke Realty Thompson

CRS, GRI, Broker

Broker Associate

vicky-turner.com

New y Listinginb!

Kev

MLS#123480

$1,700,000

BEAUTIFUL STONE HOME

New Price

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New Price

www.birdrealtysells.com

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$95,500

WATERFRONT RANCH HOME

4 bedroom, 3 bath, with walkout lower level & motherin-law quarters with kitchenette & full bath. Massive deck overlooks Rock River. Boat dock can stay plus in-ground pool is fenced, mature lot. Roof, gutters in 2013, well pump in 2011. Garage addition in 2011, 2 plus car garage. Site evaluation has been completed on this home. And has just been removed from flood plain. Documents.

Virtual Tour @ www.UCBurkeRealty.com

$189,000

MLS#122639

www.birdrealtysells.com

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www.birdrealtysells.com

Laurie Sandoval

Broker Associate 815-499-1587

Eric Bird

Managing Broker 815-973-6768 Jo Bryson

Broker Associate 815-946-3999

1901 4th Ave, Sterling St

NEW LISTING

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John Dorenbos

WWW.BIRDREALTYSELLS.COM

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NEW LISTING

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Rhonda Weitzel Broker Associate 815-440-2943

Broker Associate 815-718-0956

3 Bedrooms 2 Baths

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NEW LISTING

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Walk to school! 3-4 bedroom, 2.5 bath, newer roof, furnace, air, hot water heater & softener. 2 car attached garage. Come take a look. Call Jo for details 815-9463999.

From the large porch to the natural hardwood floors, woodwork & built in hutches... this home is just waiting for a buyer to make it their dream home. Call Laurie 815-499-1587.

This 3 bedroom 2 bath is in excellent condition & comes fully furnished as well. Move right in!! Motivated sellers.

Call Eric at 815-973-6768 or go to Birdrealtysells.com for details.

$105,000

$59,900

$23,900

MLS#123791

Cute 3 Bedroom

NEW LISTING

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This is a great value on a move-in ready 3 bedroom home featuring new paint, carpet & more.

Call Eric at 815-973-6768 or go to Birdrealtysells.com for details.

$42,900

Move Right In!

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For Sale or Rent!

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NEW LISTING

208 N Franklin Ave., Polo

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Clean & ready to move into. Lots of kitchen cabinets, large yard & steel siding make this home one of the best buys on the market. Call Laurie at 815-499-1587.

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3 bedroom, 2 bath, 2 car garage, clean basement & newer windows.

Call Jo Bryson to view 815-9463999 or go to Birdrealtysells.com for details.

Updated Home on 1.27 Acres

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NEW PRICE!

$60,000

$34,900

MLS#123835

NEW PRICE!

MLS#123826

MLS#123515

Montmorency Schools Ro

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www.birdrealtysells.com

www.birdrealtysells.com

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www.birdrealtysells.com

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www.birdrealtysells.com

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www.birdrealtysells.com

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www.birdrealtysells.com

COTTAGE ON THE RIVER

$269,000

MLS#123807

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Exceptionally nice and clean Rock Falls location home with enclosed front porch, fenced yard, open living room to dining room, newer bath and kitchen updating PLUS an extra finished room in the basement. Call Laurie at 815-4991587 or go to Birdrealtysells.com for more details.

$59,900

MLS#123487

www.birdrealtysells.com •

$156,900

MLS#121193

Commercial Opportunity Oh

$39,900

302 S. Barber Ave., Polo

Great Potential

$43,900

15 Acre Estate or

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1698 sq. ft. above grade. Large kitchen opens to great room with gas fireplace.

Sun room leads to patio with park like setting. 17x15 master bedroom with master bath & jetted tub. Finished basement just needs ceiling. 3 car heated garage. Irrigated lawn. Call John Dorenbos at 815-718-0956 or go to www.johndorenbos.com.

5 Wooded Acres

109 S. Thomas Ave., Polo

$169,900

MLS#123321

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$60,000

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MLS#122371

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3 bedrooms, 1.5 baths, large eat-in kitchen, separate dining room. 1st floor laundry, open stairway. 1 car detached heated garage, french doors, remodeled bath & enclosed porch. Call Jo for details 815-946-3999. $92,900 MLS#122061

Beautiful 4 Bedroom 2.5 Bath Home W at

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4-2 bedroom units in good condition, large parking lot, outstanding opportunity for any investor. Make an offer!! Call Eric today 815-973-6768 or go to birdrealtysells.com for details.

$82,500

MLS#123253

Po

MLS#122403

Am

$229,900

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Build your new home here in 2014!

Private wooded setting, close to Amboy on a hard surface road.

Call Eric 815-973-6768 or go to birdrealtysells.com for more details.

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MLS#121557

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Excellent Income Potential

Large home with finished walk out basement, open floor plan, many updates, privacy and seclusion on the 15 acre wooded lot.

Call Eric at 815-973-6768 or go to Birdrealtysells.com for details.

$229,900

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Inside & out. A must see for anybody looking in East Coloma area. 3 bedroom, 2 bath, finished basement, resort-like backyard with pool, hot tub, bar & multi-tiered deck. 2 car heated garage. Call John at 815-718-0956 for details.

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MLS#123667

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MLS#122296

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Large 3 bedroom home with 1 car+ garage and a huge lot. Needs TLC but has potential!! Call Eric at 815-9736768 or go to Birdrealtysells.com for more details.

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3 bedrooms, 2 baths, updated flooring, windows, furnace, air & hot water heater. New garage door. Large family room in lower level with dry bar. Come take a look. Call Jo Bryson to view 815946-3999.

$130,000

MLS#122789

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Expansive all brick 2 story, 4 bedroom, 2.5 bath home located in Waterman, IL offers cherry cabinets and floors, granite counter tops, huge master suite, finished basement and landscaped 1.7 acre lot. Call Eric at 815-973-6768 or go to Birdrealtysells.com for more details.

$384,900

MLS#123177

1688 Brandywine Lane, Dixon • Office (815) 288-0998 • Cell (815) 973-6768 • Email ericbird2004@yahoo.com www.birdrealtysells.com

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www.birdrealtysells.com

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www.birdrealtysells.com

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www.birdrealtysells.com

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www.birdrealtysells.com

www.birdrealtysells.com

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$74,900

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MLS#123460

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What a perfect place to build your next home offering rolling terrain, many trees and few neighbors. Call Eric today for details 815-973-6768 or go to Birdrealtysells.com

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1.196 acre lot, Route 26 frontage, 2 car garage and former restaurant available at a great price. Motivated seller.

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MLS#120426

www.birdrealtysells.com •

• www.birdrealtysells.com

Free appliances, handicap accessible with over 1,500 sq. ft., 2 bedrooms, 2 full baths, master bedroom with master bath & walk-in closet, 2 car attached garage, cement patio, & cement floor crawl space. No association fees! Call John Dorenbos @ 815-718-0956 or go to www.johndorenbos.com for details.

$125,500

Immaculate Home!

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MLS#123397

www.birdrealtysells.com •

• www.birdrealtysells.com

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Motivated Seller!!

$169,900

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www.birdrealtysells.com

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MLS#120026

3 bedroom 1.5 bath home on the edge of Rock Falls offering many updates in the past 3-4 years, nearly an acre lot, huge garage, large concrete slab for future development and much more. Call Eric at 815-973-6768 or go to Birdrealtysells.com

www.birdrealtysells.com

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$59,900

Completely remodeled 1 story home in Montmorency school district offering 3+ bedrooms & 1.75 baths, newer flooring & fireplace, partially finished basement on 1.27 acres. Two 2 car detached garages plus a 30x40 pole building. Call John at 815-718-0956 for details.

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New Construction Attached Single Family

Price reduced $20,000! Make an offer on this corner commercial property in Amboy. New furnace and is currently divided into several offices.

Also for rent at $500 per/month.

Call Eric at 815-973-6768 for details.

www.birdrealtysells.com

www.birdrealtysells.com

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Special offer good for seniors age 65 and older, proof of age required. Must be pre-paid.

Following restrictions apply: No Rummage Sales, Real Estate, Rental Ads or Business Ads. Items must be owned by senior citizen placing ad.

$74,900

www.birdrealtysells.com

TELEGRAPH

MLS#123813

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dailyGAZETTE

815-625-3600 or 815-284-2222

DOWNTOWN DIXON COMMERCIAL

These 2 buildings are for sale or lease. Corner lot (150x225), 2 brick buildings approximately 15,000 sq. ft. with 14 ft. ceiling height & 2 dock doors; second building has 11,250 sq. ft. with ceiling height of 16 ft.

Possible art gallery, Micro brew, Restaurant, Antique Mall, Offices or all of the above! Includes 50x150 lot for additional parking. Lease or buy. Being sold “As Is”.

www.birdrealtysells.com

CLASSIFIEDS SAUK VALLEY

SPACIOUS 2 STORY

3 bedrooms & 1.5 baths, great updated kitchen accented by breakfast bar, newer flooring & dining area. Large living room with french door to 1 of 2 decks & mud room. Full bath up with separate shower & tub plus bonus room in finished attic area. Large 2 car garage plus oversized barn styled shed on large corner lot that sits proudly on the hill.

Virtual Tour @ www.UCBurkeRealty.com

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All for only $14.00

New y Listinginb!

Kev

www.birdrealtysells.com

• 5 lines of ad copy •Ad runs for 5 days

www.birdrealtysells.com

$129,500

2886229

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Sauk Valley Media would like to offer you a

7398155

Broker Associate

www.birdrealtysells.com

Good News

3782151

Jim Smith

Realtor Auctioneer

Lovely 1 bedroom on Rock River with 60 ft. of frontage.

30’ x 7’ deck with beautiful view. 1 car garage. Lots of windows for viewing. Kitchen has lots of cabinets & counter space. Full bath with shower. Gas fireplace, modern septic system & well system with high quality water. Within walking distance to Moonlight Bay Marina Suitable for year round living. Impossible for home to flood. Realtor Owned. Virtual Tour @ www.

UCBurkeRealty.com MLS#123712 MLS#121748

This is a very nice well-kept home in move-in condition on Dixon’s NE Side. 3 bedrooms, 2 remodeled baths, 2 gas fireplaces, nice 3 season porch overlooking the park like backyard. Nicely finished lower level with family room & 2nd bath. Over $60,000 in improvements since March 2013. Complete list available with invoices.

Virtual Tour @ www.UCBurkeRealty.com

Pros A reverse mortgage enables seniors to live in their homes for the rest of their lives without

Kevin Considine

New y Listing b!

Vicky

MONEY MAKING BUSINESS 19 acres, 2,000 sq. ft. 4 bedroom ranch home, complete recycling operation including outbuildings, scales, shop, several acres of scrap yard. Complete list & appraisals of machinery & equipment. Appraisal of the real estate property and a market value of scrap on hand. Zoned heavy industrial district I-3.

For more information go to www.UCBurkeRealty.com

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Ted Hvarre

Broker Associate

9735548

4408002

www.birdrealtysells.com

Broker/Owner

Vicky Turner

Sharon U.

inspiring the curiosity of older homeowners.

A reverse mortgage is a loan offered to people over the age of 62 that enables borrowers to convert part of the equity in their homes into cash. People of retirement age may find that their limited income can make monthly expenses more difficult. Reverse mortgages were conceived as a method to helping people at this stage in life use the money they put into their homes to pay off debts or cover routine living expenses. The loan is dubbed “reverse mortgage” because instead of the homeowner paying money to a lender as is customary with a traditional mortgage, the lender makes payments to the borrower. What’s more, the borrower is not required to pay back the loan until the home is sold or vacated. As long as a person is living in the home he or she is not required to make any payments toward the reverse mortgage loan balance. However, the borrower must remain current on insurance and tax payments.

When a person takes out a reverse mortgage, he or she may borrow a portion of the market value on the home. As of 2012, the maximum loan amount available in the United States was $625,000. Any outstanding existing mortgages are paid off with the proceeds of the reverse mortgage, and either a lump sum of the balance or monthly payments are established. A homeowner may also opt for a line of credit with the reverse mortgage proceeds. Here is a more in-depth look at the pros and cons to reverse mortgages.

Jim Burke National Advertising - Local Expertise

October 2, 2014

Sauk Valley Media • C3

If the value of the home drops after the loan is negotiated, it will not affect the equity value assessed for the life of the loan.

REALTY

Cons One down side to reverse mortgages is that the loans have higher up-front fees than other types of financing. Borrowers have to pay not only an origination fee and closing costs, but mortgage insurance costs as well. These initial costs can be several thousands of dollars.

815-380-2500 Sterling Listing!

Motivated Seller!

All newly updated home sitting on two lots. One very large bedroom, full basement, above ground pool.

Gorgeous new flooring, brand new tiled bathroom, all freshly painted.

A must see!

MerditaServesYou.net $69,900 MLS#123604

1201 1st Avenue, Rock Falls • www.MyXtremeRealty.com

1004 Arland St., Rock Falls 5 car garage with a 3 bedroom ranch, 1.5 baths, central air & patio for the summer!

Tracy DeVries 815-564-8732

$69,900

MLS#123426

3 Bedrooms on main with additional 2 bedrooms in basement! Beautiful hardwood floors add to this open floor plan. Living room has fireplace, french doors off dining area to back 13x25 covered deck. Finished basement has game room, family room, .5 bath, laundry & more!

MerditaServesYou.net $199,900 MLS#123862

MerditaServesYou.net $249,900 MLS#123730

3 Bedroom Ranch 3 bedrooms with a partially finished basement, fenced in yard and an attached garage on a corner lot. New roof in 2013.

SuperDaveHomes.com 815-441-1446 $69,900 MLS#123199

Wes Anderson 815-499-5146

$98,000

625 High St, Dixon

Call Patt Gjonola: 973-7997

310 Poplar St, Dixon

Great investment! Very nice triplex in convenient location.

2 units currently rented. $89,900

Call Nancy Fritts: 440-3369

SuperDaveHomes.com 815-441-1446 $129,900 MLS#123846

MLS#123079

3 bedrooms, maintenance free exterior, privacy fenced corner lot, 2 car garage. www.SeeDawnsHomes.com 815-441-3515

$59,900

MLS#121692

www.SeeDawnsHomes.com

815-441-3515

$55,000

MLS#123827

Open Saturday 2-3 1101 6th Avenue, Sterling

3 bedrooms with open staircase.

Original woodwork, hardwood floors living room & dining room.

Stately home on corner lot. Full basement and floored walk-up attic. Seller will look at all offers.

Jerry Ratajczak 815-590-2077

$49,900

MLS#121090

Sterling Spacious 4 bedroom home on a corner lot with a 2 car garage and fenced in yard!

SuperDaveHomes.com 815-441-1446

$79,900

MLS#123364

• 2 bedrooms • 1 bath • Clean & updated interior

Home Warranty

Relax it’s ... DebbieFlannery.com 815-973-0533

$29,000

MLS#123744

LOOKS NEW ROCK FALLS RANCH

Newer roof, windows, siding, fixtures & more. Ready to move into home. Clean basement & 2 car garage. Motivated seller.

$69,900

MLS#123427

Like Hardwood Floors?

And natural woodwork? You will love this 3 bedroom home featuring a 2 car garage, full basement, fenced yard, and new furnace & central air 2007!

Many Upadates High traffic location.

For Sale, Lease or Lease purchase Option

SuperDaveHomes.com 815-441-1446

Relax it’s.....DebbieFlannery.com 815-973-0523

$250,000

MONEY MAKING RENTAL

Wes Anderson 499-5146

Furnished Restaurant

Close to Schools & Hospital

Keep in touch with the news of the Sauk Valley

MLS#123333

$59,900

MLS#121645

New g! n Listi

New g! n Listi

1714 RIVERVIEW DR, DIXON

117 S Elm St, Franklin Grove

Historic 2 story, currently a flower shop, could be 3 bedroom single family home. $59,000

Call Diane Roop: 440-1915

213 W Hawley St, Amboy

Perfect starter! Nice 3 bedroom with attached garage on private street close to schools. $75,000

Call Nancy Fritts: 440-3369

210 N Brinton Ave, Dixon

Gorgeous all brick 4 bedroom, 1.5 bath. Winding staircase, fireplace, Updated kitchen- must see! $234,900

Call Nancy Fritts: 440-3369

We’re your one-stop source offering professional designs, excellent print quality, fast turn-around times, friendly customer service and affordable pricing.

Contact Kris Sands at 815-632-6470 ksands@saukvalley.com 3200 E. Lincolnway, Sterling

$99,900 Call Patt Gjonola: 973-7997

904 4th Ave, Sterling

Move in ready 4 bedroom, 1.5 bath 2 story home near Sterling High School & hospital. $72,500

Call Diane Schnake: 440-4817

Wonderfully updated 3 bedroom Split-level in NE Dixon across from The Meadows. $92,000

3 bedroom with full basement & extra large back yard.

GOING ON VACATION?

Lovely 3-4 bedroom 1.5 bath Spectacular riverfront ranch. home in White Oaks. Lovely Beautiful 2,000 sq. ft. home with kitchen, new bath, 2-tier deck 600 ft river frontage & dock! $185,000 $325,000 Call Nancy Fritts: 440-3369 Call Nancy Fritts: 440-3369

Call Nancy Fritts: 440-3369

3 bedrooms, 2.25 baths, finished basement, in-ground pool, covered patio an attached 2 car garage. Ready for you to move into!

NICE LARGE COUNTRY HOME

1218 Adelheid, Dixon

2103 McGirr Rd, Ashton

MLS#122136

Up to 5 bedrooms to enjoy in this spacious country home. Comes also with a 4 car garage, barn & corn crib.

Great location.

Riverfront property at an affordable price! Remodeled 1-2 bedroom with boat launch!

Private country living! 3 bedroom home with 3 nice outbuildings in beautiful 5 acre setting. $139,000

East Coloma Area

1710 18th Ave., Sterling

Jerry Ratajczak 815-590-2077

NEW LISTING

604 W 12th Street, Rock Falls

Built in 2010!

Looking for that picket fence?

Look no more! 4 bedrooms, 2.5 baths, huge 21x21 master suite with fireplace. Open floor plan, gorgeous kitchen. Full basement, main floor laundry, 2 story foyer, wrap around porch. 2 outbuildings. Over 2 acres.

Many seniors often find reverse mortgages confusing. Seniors may unwittingly agree to a loan without fully understanding the scope of the reverse mortgage. It is adviseable to seek counseling on reverse mortgages before applying for one.

863 RIVERSIDE DR, DIXON

Open Sunday 1-3

Help with closing costs plus Home Warranty! 3 bedroom with fenced backyard. 2.5 car garage with 14x20 addition. Newer roof, windows, hot water heat. Game room with bar in basement. Large 13x18 master bedroom with 2 double closets. Sellers are very motivated price has just been reduced.

$89,500

Open Saturday 2-3

NEW LISTING

COUNTRY RANCH ON 2.09 ACRES!

Price Reduced

Open Saturday 2-3

Something many seniors may not be aware of with regard to reverse mortgages is that these loans can affect eligibility for some need-based programs. Although Social Security and Medicare are not affected, Medicaid and other government assistance programs can be affected if a senior has a surplus of funds from a reverse mortgage that are not spent during the month.

A reverse mortgage is a long-term solution.

People who are looking for a short-term fix will find that this type of loan probably doesn’t meet their needs. Furthermore, it is hard to be approved for reverse mortgages on newly purchased homes. Lenders usually like to see at least six months or a year chain of title on a property before issuing a reverse mortgage.

EQUAL HOUSING

OPPORTUNITY

NEW LISTING

Unlike a traditional mortgage, where the balance gets lower and lower over time, with a reverse mortgage, no payments are being made on the loan. This means the loan balance simply gets larger over time depending on how much money is drawn from the home’s equity. At the end of the loan, when the homeowner moves from the property or the premises is vacated upon the borrower’s death, the value of the estate decreases based on the pay-off value of the reverse mortgage loan. Heirs will pay off the mortgage by selling the home and will only inherit the remaining money after the reverse mortgage lender has the loan satisfied. This means men and women will be leaving less money for their heirs, but those heirs will not be personally liable if the home sells for less than the value of the mortgage. The mortgage lender has to claim a loss and request reimbursement from the Federal Housing Administration.

New g! n Listi

Tracy DeVries 815-564-8732 Jerry Dave Wes Merdita Debbie Tracy Dawn Ratajczak Flannery DeVries Anderson Heald DeVries Nielsen Managing Broker 815-590-2077 815-973-0533 815-441-3515 815-499-5146 815-718-2272 815-564-8732 815-441-1446

1020 S Galena Ave, Dixon

Cute 2-3 bedroom move-in ready ranch, part. finished basement, attached garage. $60,000

Call Anne Hermes: 440-7370

413 Heather Ln, Dixon

Lovely & spacious 3 bedroom, 1.5 bath in NE Dixon with great yard & attached garage. $119,900

Call Anne Hermes: 440-7370

501 N Division, Polo

Spacious, updated Victorian 3 bedroom, many improvements, corner lot- must see! $64,900

Call Patt Gjonola: 973-7997

New g! n Listi

231 Sterling Rd, Harmon

2,600 sq ft home with outbuildings on tranquil 4 acres.

Great project with endless possibility! $104,900

Call Diane Schnake: 440-4817

306 N Jefferson Ave, Dixon

Unique & stately riverfront home!

4 bedroom, 2 bath, updated kitchen, 5 fireplaces & so much more! $449,000

Call Nancy Fritts: 440-3369

607 S Dixon Ave, Dixon

Surprisingly spacious 3 bedroom 1 bath ranch with 2 car detached garage, sold “as is.” $54,500

Call Anne Hermes: 440-7370

315 Crawford Ave, Dixon

Stately 4 bedroom 2.5 bath brick home. Tastefully updated, great location Move in ready! $239,900

Call Nancy Fritts: 440-3369

1939 Ole Hickory Rd, Amboy

Impeccable 4 bedroom, 3.5 bath ranch with finished basement in Shades O’Green Sub. $285,000

Call Matt Hermes: 288-4648

Bill Bill Nancy Diane Matt Hermes Dempsey Fritts Roop Managing Broker Gorski 815-288-4648 815-285-0123 815-288-4901 815-440-3369 815-440-1915

815 288-4648 • www.heartlandrealtyonline.com

Diane Schnake 815-440-4817

305 S Elm St, Franklin Grove

Nice 3 bedroom ranch on a corner lot, large deck, newer furnace & A/C. $99,900

Call Patt Gjonola: 973-7997

601 W Colden St, Polo

Lovely, well maintained brick home. Spacious & ready to fit your needs. Take a look! $119,900

Call Patt Gjonola: 973-7997

1810 W 4th St, Dixon

Adorable 3 bedroom ranch on extra large lot, attached garage & 13x12 outbuilding. $79,500

Call Nancy Fritts: 440-3369

409 S 9th St, Oregon

Great 3 bedroom ranch in terrific condition. Many updates in past 8 years, on ¼ acre. $115,500

Call Patt Gjonola: 973-7997

512 Assembly Pl, Dixon

Nice 3 bedroom, 2 bath with large gourmet kitchen, great location with park off of back yard. $79,000

Call Nancy Fritts: 440-3369

Anne Hermes 815-440-7370

Patt Gjonola 815-973-7997

Member of Sauk Valley Association of Realtors

C4 • Sauk Valley Media

www.saukvalley.com

Thursday, October 2, 2014

HOW DO O

WE FIX X

ILLINOIS? ?

Please join Sauk Valley Media and Sauk Valley Community College for a community discussion with the authors of Fixing Illinois, which he proposes 90 changes in th workings of Illinois state government.

This symposium will explore solutions for an effective, honest state government that n can restore public faith in Illinois’ institutions and revive a sense of citizenship and state pride.

The authors’ remarks will be followed by a panel discussion, then comments and questions from the audience.

The program is free and open to the public.

When: Wednesday, Oct. 8

Where: Sauk Valley Community College Schedule: 5:30 p.m. – Reception, East Mall 6:30 p.m. – Program, Jerry Mathis Theatre

Books available for loan at : Telegraph

113 S. Peoria Ave., Dixon

Daily Gazette

3200 E. Lincolnway, Sterling

JAMES D. NOWLAN served two terms in the Illinois House of Representatives and worked under three governors. He is the co-author of Illinois Politics: A Citizen's Guide.

J. THOMAS JOHNSON was director of the Illinois Department of Revenue and is President Emeritus of the Taxpayers' Federation of Illinois.

Reliable Information • Marketing Solutions • Community Advocacy

Thursday, October 2, 2014

www.saukvalley.com

Sauk Valley Media • C5

Financing a home improvement project After years of funny financing and few limitations on loans, banks and other lenders have tightened up their lending policies. As a result, homeowners considering a home improvement project might need to look elsewhere to secure financing.

There are no certainties in the real estate markets. Though statistics suggest marked improvement in home sales over just a few months ago, many homeowners remain weary about selling their home to try to move up to something bigger and better. The National Association of Home Builders says many people are choosing to stay put in their homes and remodel or make renovations to transform the house into something more comfortable.

While there are many worthwhile home renovation projects, the NAHB recommends projects that bring your home up to par with the neighbors’. It doesn’t pay to transform your home into the most expensive on the street -- unless you plan to live there for the rest of your life. Real estate experts recommend that a remodeling investment increases the value of your house by no more than 10 to 15 percent above the median sales price in your neighborhood.

When it comes time to finance a remodel or renovation, you may not know where to start.

Credit restrictions on home mortgages that have troubled many would-be buyers have also plagued individuals looking to finance home improvements. However, homeowners hoping to finance a project do have options, and not all of them require stellar credit ratings. * Borrow against a retirement plan. Many retirement plans, such as a 401(k), allow plan members to take out a portion of the savings to put toward a home loan. This does not mean you are taking money out of the account permanently. Rather, you are borrowing against yourself, with repayment necessary in a certain timeframe. Because these loans often offer very low interest rates, and essentially the interest is being paid back to you, they might be a good option for men and women who cannot secure a traditional loan. However, if you have been laid off, there may be a shorter repayment period.

Also, the interest on these loans is not taxdeductible. * Borrow against other investments. CDs, bonds or mutual funds can provide the collateral you need and earn you a lower interest rate. Fixedincome investments are more stable options to borrow against, as their value won’t have a chance to decline. * Apply for a home equity loan. Many people have heard of a home equity loan, and it is usually the first choice when borrowing funds for renovations. Essentially a home equity loan is taking out a second mortgage on your home

L

k Local!

( !

)

!

Jenni Dace 815-716-7675

NEW LISTING

Ed Hook 815-499-4848

$49,900

MLS#123883

VALUE‌‌.

TLC is needed for this 3 bedroom home, natural woodwork, doors and hardwood floors (under carpet). Enclosed front porch, full basement and 2 car detached garage with alley.

507 W 12th Street, Sterling MLS#123849 $45,000

NEW PRICE!

NEW LISTING

Edge of town Rock Falls ranch is cute and clean. 2 bedrooms, main floor laundry, 1 car garage, patio and storage shed.

$51,000

MLS#123876

Sprawling brick ranch‌‌3 large bedrooms and 2 baths. Open Living room with fireplace and formal dining. Eat-in kitchen with lots of cabinets. Basement and back enclosed porch. Patio, fenced backyard and alley access.

$129,900

MLS#122263

NEW LISTING

NEW PRICE!

6 Acres North of Sterling with 2.41 ACRES 35x68 Metal building and electric Newer ranch home in the country. 3 bedroom, 3 bath all handicap accessible. Open floor plan, main floor laundry room and master suite available.

MLS#123867

Nichole Baker 815-757-5630

NEW LISTING

Edge of town Sterling home on 1 acre with 2 car detached garage and additional 1 car garage.

$44,000

has luxurious bath with jetted tub. Large basement - maintenance free home!!

$179,900

MLS#123822

Three bedroom home with large lot, alley access, big two car garage, fenced yard, pool, deck, and patio with lots of updates.

MLS#123535

$78,000

NEW PRICE!

4 bedrooms. Hardwood floors and natural woodwork. Eat-in kitchen with oak cabinets and lot of countertops. Sliding glass doors to the large deck. Basement, 2 car garage with alley access and fenced backyard.

MLS#123560

Check out the Sauk Valley Service Directory for all your service needs including: Home Improvement, Landscaping, Seasonal, General Contracting and more!

Patty Martinez 815-499-0721

Judy Powell 815-716-7450

$63,900

Excellent Condition — 3 bedroom ranch on a large lot in NE Sterling.

Main floor family room, oak kitchen with many cupboards and built-in dishwasher. Finished basement includes large rec room and lots of storage. 1 car attached garage.

MLS#122696 $105,000

Edge of town ranch offers 5 bedrooms and 2 baths. Brand new roof and newer furnace. Garage is insulated and heated with workbenches.

Family room has Wood burning fireplace and sliding door to the deck, gazebo and private yard with creek bordering. One owner home!!!

MLS# 122101

$129,900

Luxury Brick Home On Golf Course has open floor plan throughout with over 2,200 sq. ft. Bright and airy with vaulted ceilings, skylights, master suite with luxurious master bath. High tech kitchen with appliances, island and 4-season room. Professionally landscaped with lush gardens..... perfect for outside entertainment. Private cul-de-sac. Tastefully designed and decorated.

MLS#122971

$239,900

Three bedroom brick ranch situated on a deep lot with creek running through and large deck. Large kitchen with plenty of cupboards. Two full baths (one remodeled with ceramic tile shower).

Finished basement offers family room with fireplace.

New furnace. Two car garage and Sterling schools.

MLS#122691

$129,900

Nice family home with three bedrooms and 1-3/4 baths. Open living room and dining room.

Nice kitchen with wood cabinets.

Main floor laundry, 1 car garage and large utility shed. Well kept.

MLS#122775

$67,900

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Completely remodeled ranch offers all new flooring, oak kitchen with lots of cabinets and new roof. Vinyl siding.

New electrical service.

Fenced backyard.

MLS#123775

$59,900

Rare Find - Family Home - On the Rock River

This quality home boasts over 2,600 sq ft and offers a 50x20 garage with walk-up attic and 10 ft overhead door (heated & finished). Cement Seawall, Inground Sprinkler System on a 200 ft deep lot. John Martin kitchen with breakfast bar, appliances and amenities galore. Formal living room, dining, family room and 4-season room. So many conveniences to list.

MLS#122849

$294,900

Northeast Sterling Ranch offers natural woodwork and hardwood floors. Newer furnace and water heater.

Main floor laundry and nice backyard.

MLS#123753

$49,900

Located Daily in the Classified Section of the Daily Gazette, Telegraph and saukvalley.com!

Also in The Review located throughout the Sauk Valley on newstands!

START HEREâ&#x20AC;Śâ&#x20AC;Ś Sterling Cape Cod has 3 bedrooms, combination living and dining room. Full basement, covered front porch, CA, fenced backyard and 1 car garage.

MLS#123760

$44,900

Edge of town ranch located on a nice large corner lot. Only 16 years old, offering newer flooring, 3 skylights, nice bright oak kitchen with appliances and pantry. Main floor laundry and newer 3-season room.

Master suite has its own bath with 5 ft. shower. Oversized (furnace negotiable) 2 car garage. Move-in ready, neutral colors throughout and immaculate.

MLS# 123073

$119,900

Close to School

Refinished hardwood floors, remodeled kitchen. Newer roof, gutters, water heater and windows.

Walk up attic and insulated garage.

MLS#123731

www.judypowellrealty.com View ALL area listings on our website

$87,000

C6 • Sauk Valley Media to pay for the work you want to have done, which is based on the equity, or the difference between the home’s fair market value and the outstanding balance of all liens on the property.

The interest on these loans is tax-deductible, which can make this financing option quite popular. * Secure a home equity line of credit. A home equity line of credit, or HELOC, is another type of home equity loan. Instead of receiving a lump sum to use toward renovations like you would with a traditional home equity loan, a HELOC is sort of a credit card type scenario based on the equity in your home. You are given a line of credit, against which you can buy items.

This is good for intermittent needs, when one large sum is not needed. HELOCs have a draw period, during which the borrower can use the credit, and a repayment period, during which it must be repaid. HELOCs generally have lower mortgage fees at the start and are generally subject to the same tax incentives as regular home equity loans. * Consider refinancing. Interest rates on mortgages are at historic lows. You may qualify to do a cash-out refinance, where you borrow against the value of your home and create an entirely new mortgage at the lower rate.

Although you will start your mortgage all over from day 1 and have to pay closing fees, this type of refinancing can be more advantageous to homeowners with significant equity in their homes. * Apply for a government-sponsored loan.

The government may offer programs aimed at helping individuals who are underwater on their home loans borrow money to make necessary improvements. While the funding cannot be used to purchase luxury items, such as a swimming pool, it can be used for necessities.

Residents of the United States can explore FHA 203(k) refinance options and an FHA title 1 improvement loan.

www.saukvalley.com

Thursday, October 2, 2014

LEONARD REAL ESTATE 901-1/2 W. Route 30 • Rock Falls, IL 61071

815-625-7183

leonardre@essex1.com www.leonardrealestate.net

$45,000 #123703

5 ACRES

Peaceful unimproved 5 acres on 2 parcels. Level land – one parcel has trees and the other parcel is grassy area. Great location to build a house and have a pasture.

www.suzettehanover.com

$49,900 #123786

AFFORDABLE ROCK RIVER HOME

Between Sterling and Dixon. Features include seawall, screen house with amazing view, 2 bedrooms and 2 baths. Great location for fishing, boating and enjoying the spectacular scenery! www.suzettehanover.com

$65,000 #123636

$73,500 #123505

MOVE IN CONDITION

Spacious 1300 sq.ft. 3 bedroom ranch all remodeled since 2009!

Vaulted ceiling in living room, large bedrooms, sliding door to a deck in a fenced backyard. New since 2009: siding, wiring, plumbing, floors, kitchen and bath remodel. Not a drive by!

www.suzettehanover.com

GREAT LOCATION!

Wonderful curb appeal in this 3700 sq.ft. brick building with ample parking. Currently set up as dance studio with a reception area, waiting area and dance floor. Plenty of storage, kitchen area and bathrooms.

www.suzettehanover.com

$239,000 #116869

$159,900 #122929

COUNTRY LIVING AT ITS BEST

This 5-acre farmette offers 4-bedroom country home with updated kitchen and bathrooms. Big main floor laundry room and a main floor bedroom. Lovely 3 season sunroom off of the kitchen with a great view of the countryside. 2-½ car attached garage and a corn crib. Call Dave for details.

NORTHLAND HILLS HOME

Nice subdivision East of Sterling is where this 2 story home is located.

Two sets of pocket doors leading into a lovely main floor family room with a gas fireplace. Big living room with woodburning fireplace. Master bedroom has a ¾ bath and his & her closets. Finished basement, 3 car attached garage. Main floor laundry. Call Dave for your showing.

THINKING OF SELLING?

Wondering what the 1st step is?

CALL ME!

FOR LEASE

This property sits on US Route 30 in Rock Falls with high traffic count, off-street parking and alley access. Put your name on the lighted 2-sided sign, great advertising! Approximately 1500 sq. ft.

Broker owned. Call Dave 815-535-4200 for more details.

I’ll guide you every step of the way.

Pat Leonard 815-535-1274

“WHERE PERSONAL SERVICE IS #1” Pat Leonard Managing Broker

535-1274

Dave Leonard Broker/Owner

Suzette Hanover

535-4200

Broker

718-1307

Ladies Night Out

, 6 1 r e b o t c O , y a d s r u h When: T 2014 . m . p 8 4 : Time 2 e t u o R • e n i w y d n a r Location: B 5 $ : n o i s s Admi

Shop fabulous finds from your favorite boutiques, sample delicious hors d'oeuvres and enjoy the company of your favorite girl friends!

Tickets available at the door

Call 815-625-3600, ext. 5681 for more details.

Sponsored by: Sauk Valley Media and Brandywine

Thursday, October 2, 2014

jb

www.saukvalley.com

Judy Beveroth Realtors

cs

Let us turn your Landscaping

U p s i d e DDown ow n Upside

815-626-2761 or 815-499-0140 Email: beveroth@comcast.net

530 W. 10th Street, Rock Falls, IL 61071

Carol Schryver

815-441-2981 or 815-626-0958

by giving it a FRESH new look!

Email: cschryver@cin.net

Call 815-626-4422

Open Saturday 1-2 PM

One Owner - All Brick!

Features: John Martin Kitchen, 2 bedrooms, 3rd bedroom was made into a main floor laundry and full bath. Hardwood floors in bedrooms, hall & living room under carpet.

Full basement with office area & lots of storage PLUS a full bath. Home sits on 1.5 lots with a fenced backyard! Won’t last!

Call Carol 441-2981

$110,000 #123785

Open Sunday 1-2 PM

Sauk Valley Media • C7

Enjoy Country Living!

Nice 3 bedroom ranch on 1.13 acres!

Large eat-in kitchen with many oak cuboards, large living room, main floor laundry, 1.5 baths, full basement, 2 car attached garage plus a one car detached garage. Also a wonderful garden area!!

Call Carol 441-2981 $120,000 #123334

313 East 10th Street, Rock Falls

Home features a 27x13 living room, 3 large bedrooms, 1 full bath plus .5 bath in the finished basement that includes a kitchen, family room & den. Shop in back of the house. 2 car garage plus another 1 car garage off the alley. VERY NICE HOME! Call Carol 441-2981 $94,900 #122575

www.CrawfordRealtyOnline.com

New Price!

LLC

815-285-3444, 124 E. Boyd Street, Dixon MLS#123864

15561 Highland Drive, Sterling

Join us for a closer look at this edge of town home. All the appliances are included as well as a large family room with fireplace, open stairway to loft and master bedroom.

Possession is negotiable.

Call Judy Today! $112,400 #123474

Attention investors

This building is available and fully occupied. You will enjoy a very nice return with little effort. Downtown location.

Call Judy Today! $195,000 #120898

Looking for a site for your business or office? We have a spot in a high traffic area among other established restaurants and shops. Don’t wait on this opportunity.

NEW LISTING

Call Judy Today!

$195,000 #121840

Get More From A healthy lifestyle NOW AVAILABLE HEALTH & WELLNESS

635 2ND AVE, DIXON

4 Bedroom, 2.5 Bath Tri-Level home has 2 wood burners, open kitchen/dining room leading to patio in back. This is a great family home!!

MLS#123847 NEW LISTING

2014-2015

$129,900

4247 W MUD CREEK RD., MOUNT MORRIS

Newly remodeled home on 5 acres. This property is zoned R-2. Completely upgraded kitchen and dining area. Freshly painted throughout and some new carpeting. Don’t wait, CALL NOW!

MLS#123529

PROFESSIONALS DIRECTORY

$134,900

$74,900

1014 IDLEWILD DRIVE, DIXON

Immaculate kept 2 bedroom home with hardwood floors located in Idle Oak Run.

MLS#123320

$69,900

MLS#123858 NEW LISTING

$128,500

606 CRAWFORD AVE, DIXON

4 bedroom,1-1/2 bath home, 2 car detached garage, open floor plan, eat-in kitchen, french doors to patio, walk up attic, partially finished basement, and a patio deck with built in benches.

MLS#123724

$385,000

2063 LOWELL PARK RD., DIXON

SERIOUS HUNTERS CHECK OUT THESE 5 ACRES! 4 bedrooms, 2.5 baths, finished basement, large outbuilding with office,bath,complete kitchen and walk-in cooler.

MLS#123425

$69,900

309 W. GROVE ST., STERLING

Open floor plan, 4 bedrooms, 1.5 lot, 4 car garage, many updates!

MLS#123050

$241,900

MLS#123851 NEW LISTING

$31,900

1113 S GALENA AVE, DIXON

Enjoy cookouts on the deck in the fenced in back yard or relax on the enclosed front porch. 3 bedroom home has lots of space but needs a little TLC. Fannie Mae Homepath property in the First Look program until November 13, 2014.

MLS#123599

$66,000

910 W. 1ST STREET, DIXON Adorable 2 bedroom home that is affordable!

2 car detached garage, large enclosed back porch, and fenced yard.

MLS#123327

$48,900

912 4TH AVENUE, STERLING

Good 3 bedroom home with garage and fenced yard.

MLS#122851

$106,900

2014-2015

H E A LT H WELLNESS

&

1111 W. 6TH STREET, DIXON

Adorable home with large fenced lot and large heated two car garage plus 3 bedrooms and 1.5 baths.

PROFESSIONAL

S DIRECTORY

MLS#122802

$104,900

808 6TH AVENUE, DIXON

3 bedroom home has large open floor plan, living, dining and eat in kitchen, hardwood floors and 2 car attached garage.

Subject to Bank Approval.

MLS#122454

$59,900

1209 PRESCOTT STREET, DIXON

Adorable MOVE-IN ready! 2 bedroom home with fenced yard and 1 car garage. Newly refinished hardwood floor and main floor laundry.

MLS#121225

$112,000

2232 PINE BLUFF DRIVE, DIXON

4 bed 3.5 baths, main floor master suite with walk in closet. Family room in lower level has an additional kitchen, partially wooded lot, large deck plus above ground pool with new liner and heater!

MLS#122801

$69,000

408 W FULTON ST, POLO

French doors in dining room/living area, large eat in kitchen, wrap around porch, remodeled upstairs has skylights. Extra wide lot, alley access, 2 car garage.

MLS#122413

$69,900

1605 BONNIE AVE, DIXON

4 bedrooms, newer carpet, living room, and large family room, walk-out to large beautiful backyard in quiet neighborhood.

MLS#123736

$99,000

5299 S. HARLAN DRIVE, ROCHELLE

2 Bedroom, 1 Bath and attached Garage.

Remodeled and move-in ready. Kitchen has stainless steel refrigerator, dishwasher and stove. Kitchen cupboards are a must see.

MLS#122772

$39,900

703 W 5TH ST, DIXON

2 Bedrooms with hardwood floors, pocket door, some new windows on main floor and two car garage on corner lot.

MLS#122357

$48,900

402 N FRANKLIN AVE, POLO

Beautiful 3 Bedroom, 2 bath, 2 car attached garage, full basement on corner lot.

MLS#123726

$85,900

To receive your free copy email kweinstock@SaukValley.com

410 N. DEMENT AVE, DIXON

With your name, address

or call

Location! 5 bedroom, 2 bath, original woodwork, full finished attic

1213 S PEORIA AVE, DIXON

Adorable Bungalow style home with loads of character! The 2nd story is one large master bedroom with 4 separate closets and two dormers with window seats.

802 CHICAGO AVE, DIXON

4 bedroom eat-in kitchen, formal living room, den with patio doors to deck, 1st floor master bedroom plus large laundry/bonus room.

815-625-3600 Ext. 5601

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www.saukvalley.com

(815) 625-3722 •

FEATURED BROKER

BROKER ASSOCIATE

TRACEY DECRANE 815-677-2164

TraceyD@Remax.net TraceyDecrane.com 1319 N. Galena Ave., Dixon

815-284-4663 Tracey offers 14 years experience in real estate sales & investing Experience. She resides in Polo covers Ogle, Lee, Whiteside, Carrol and Stephenson Counties. Expert guidance in buying a home and helpful insight & tips on getting your home sold in today’s market.

Making your Real Estate Experience Enjoyable and Stress Free!

FEATURED BROKER

•

FEATURED BROKER • FEATURED BROKER

FEATURED BROKER • FEATURED BROKER

FEATURED BROKER

$75,000

Sauk Valley

(815) 284-4663

110 E. Lynn Blvd., Sterling, IL 61081

Jim Cesarek Tim McCaslin Managing Broker Broker/Owner 815-716-0976 815-716-7653

Visit Us Online!!

1319 N. Galena Ave. Dixon, IL 61021

Outstanding Agents Outstanding Results

SaukValleyRealEstate.com

SaukValleyOpenHouse.com

OPEN SUNDAY 1-3 $74,900

OPEN SATURDAY 12-1 $39,000

#123322

#120420

300 E 9TH ST., ROCK FALLS

227 AVE D, ROCK FALLS

Well built 1 story original owner home on 2 lots. Pleasant living room, remodeled kitchen, 2 bedrooms, partly finished lower level, detached garage plus 3 car detached garage (Alley Access) Great Value.

2 bedroom charmer, good location, glassed front porch, large living room & dining area with galley kitchen. Lots of new- immediate possession.

Call Louise 815-632-8942

Call Louise 815-632-8942

www.louisegibbons.com

FEATURED BROKER #123104

Thursday, October 2, 2014

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Tracey DeCrane 815-677-2164

EASY ACCESS - HIGH VISIBILITY

2 family property, lots of remodeling throughout. Close to shopping, schools & downtown area. Good income potential.

Large off street parking.

Jennifer VanOosten 540-226-3498

Call Louise 815-632-8942

www.louisegibbons.com

$89,500

#122885

$59,900

#119459

$185,000

#123170

ew e N ric P

Tim Rosengren 630-803-0320

HUGE PRICE REDUCTION!

Plenty of space in this freshly painted & carpeted 3 bedroom 2 bath home. You’ll love the large eat-in kitchen with a walk in pantry. Main floor also includes living room, dining room & den. Nice backyard with patio for family gatherings & 3 car garage.

Call Melissa Ellefsen or visit visual tour at MissyandJim.com/123104

MissyandJim.com Melissa Ellefsen Jim King Jr. 309-912-2820 309-716-6755

#123532

$190,000

#123850

$78,900

$148,750

#123244

ew ng N sti Li

QUALITY BUILT HOME You will find the condition of this home is like new. Gorgeous oak trim throughout this 3 bedroom 2.75 bath ranch. Vaulted ceiling in the spacious living room, formal dining room, large kitchen with oak cabinets. 3 car attached garage & a beautiful landscaped yard.

LOOK NO MORE! This is the home you’ve been looking for...1.5 story 3 bedroom with great updates. New roof in 2011, 6 panel doors throughout, updated full bath. 2 car garage & fenced backyard. Call me for a showing Call Melissa for a showing today!

309-912-2820

Visual Tour @MissyandJim.com/123532

FALL IN LOVE!

Super clean and move-in ready, this 3 bedroom, 2 bath ranch boasts many improvements including shingles, windows, doors, floor coverings & more! Vaulted ceilings in living & dining rooms. Finished basement. Patio. 2 car garage.

Located in Snavely Subdivision on .58 acre. See it at: www.LindaSanders. com Seller will contribute to Buyers closing costs.

3BR/1.5BA, 2 Story Neighborhood Stabilization Home, call Jim or Tim for more details • NEW LISTING: MLS: 123842, $159,900, 900-906 5th Avenue, Rock Falls, Two one story Duplexes, All units are 2BR/1BA, 750sq/ft/unit • NEW PRICE: MLS: 121155, $114,900, 2204 11th Ave, Sterling, 3BR/1.75BA, Ranch, All new carpeting throughout FEATURED LISTINGS • MLS: 121566, $35,900, 1211 W. 21st St, Rock Falls, 3BR/1BA, Ranch

View all listings all the time!

LOCATION, LOCATION!

www.DaveTwining.com dtwining@comcast.net

Large 3 bedroom, 2 story home with a great river view! Hardwood floors in kitchen & dining room. Open staircase, floored attic & full basement. Newer front deck & electric service. Across from Seward Park.

Call Dave 815-499-6711.

www.davetwining.com

www.jimandtim.com

•

www.jimandtim.com

Call Dave 815-499-6711.

Visual tour @ www.davetwining.com

Jill Ramirez 815-716-7379

Keith Zoeller

QUALITY HAS AN ADDRESS ...in this 2,900 sq. ft. home. Perfect for family & entertaining, every room of this house shows touches of excellence, with marble bathroom floors, cathedral ceilings, a floor to ceiling stone fireplace & even a lighted basketball court. 3 bedrooms, 3.5 baths & a whole lot of WOW! Qualified buyers, only please.

Jerry Bartlett 815-535-8427

Chris King 815-499-8279 #120532

$79,900

Suzi VanOosten 815-440-0689

Check out the pictures at www.DebProctor.com

BRICK CAPE COD

Nice 3 bedroom, 1.5 story brick home that is close to the schools & is well maintained.

Full basement, large bedroom upstairs plus a 2 car garage with alley access.

Call Keith for more information.

$139,900

#123819

$54,900

#123119

#123471

Edson Cox 815-499-0821

$6,000

Dave Twining 815-499-6711 LYNDON LOTS!

BEAUTIFUL RANCH GREAT LOCATION!

$239,900

STATELY BRICK HOME!

This beautiful 5 bedroom, 3.5 bath home offers 2 new furnaces, new appliances & 2 woodburning fireplaces. Hardwood floors throughout & 20x40 ft. in-ground pool.

A TRULY UNIQUE PROPERTY!

EDGE OF TOWN RANCH!

Very nice 3 bedroom home with mostly new flooring, replacement windows, 2 car garage & fenced yard. QUIET LOCATION!

HIGH TRAFFIC LOCATION!

Commercial building on a corner lot located on IL Route 40. New roof in 2007. 2 bays with hoists.

AN OPPORTUNITY TO OWN YOUR OWN BUSINESS!

www.jerrybartlett1.com

Patti Sword Chris King 815-590-0130 815-499-8279

$109,900

#123408

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815-535-8427

$67,500

#123656

Two 50x140 Lots in the Village of Lyndon adjacent and selling as one unit. City water, electric & gas. Ready to be built upon.

Call Keith for location!

#114730

Jim King Jr. 309-716-6755

$155,000

Linda Sanders 815-499-9461

FARMETTE NEAR POLO

Large 2 story farm house with 4 or more bedrooms & lots of space. Includes 4.75 acres of land, 3 outbuildings, apple orchard & more!

Call Keith for a showing!

www.zoellerag.com 815-622-1598

#123157

Deb Proctor 815-213-0164

Patti Sword 815-590-0130

$229,900

www.FatherDaughtersTeam.com

MOVE RIGHT IN!

This neat 3 bedroom, 1 3/4 bath home is in great condition! Country kitchen. Large living room with new flooring. Master bath too! Plenty of garage space. Nothing to do but move in!

Call Patti today or visit the visual tour @ www.PattiSword.com #123683

$199,900

$34,900

#123326

BE THE ENVY..

of friends & neighbors in this gracious ranch style home. Spacious bedroom wing.

Open living room/dining room. Main floor family room. Double fireplace. Finished basement too! Quality throughout.

Call Patti today or visit the visual tour @ www.PattiSword.com www.debproctor.com •

BEAUTIFUL VIEWS RIVER HOME

80 feet of river frontage with this 4 bedroom, 3 bath home. Great boating, fishing, river fun! Beautiful yard with deck, patio & many hardy perennials. Spacious home. Call today for your private showing!

Call Patti 815-625-2241 or visit the visual tour @ www.FatherDaughtersTeam.com #123418

$300,000 ew e N ric P

River 3 Story

Spacious 4 bedroom, 1.5 bath, bi-level home with attached garage on a corner lot. Has large yard, 13x13 deck, patio & extra wide driveway.

815-499-6711

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• MLS: 123100, $659,000, 1003 Shore Acres Rd, Rock Falls, 9BR/8BA, Historic

Lee Bardier 815-716-3604

4 BEDROOM HOME!

zoellerag.com

#122205

Road, Sterling, 3BR/2.5BA, 2 Story • MLS: 123134, $239,900, 1212 Locust St, Sterling, 3BR/3.25BA, 1.5 Story

$71,900

#122970

Gary Corwell 815-298-1357

815-622-1598

• MLS: 121622, $54,900, 109 5th Avenue, Sterling, Triplex • MLS: 123691, $74,900, 1720 & 1722 Ave C, Sterling, Duplex with Two 2BR/1BA

• MLS: 123795, $99,900, 3206 Woodlawn Rd, Sterling, 3BR/1.5BA, Ranch • MLS: 122780, $179,900, 1606 Reno

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$230,000

#123841

Spacious 3-5 bedroom home with 2.5 baths, newer roof, family room & sun room. Remodeled kitchen & main bath, oversized 2 car garage & MUCH MORE!

• MLS: 123130, $81,900, 2101 E. 7th St, Sterling, 3BR/1BA, Ranch • MLS: 123339, $82,900, 1312 S. Peoria Avenue, Dixon, 3BR/2BA, 2 Story

Keith Zoeller 815-622-1598

See it at: www.LindaSanders.com

815-499-6711

• MLS: 123486, $54,900, 208 E. 12th St, Sterling, Duplex, 2BR/1BR

units

$63,900

#123103

Dave Twining

Brian Corwell 815-716-0772

ew ng N sti Li

• MLS: 121984, $39,900, 1505 14th Ave, Rock Falls, 3BR/1BA, Ranch • MLS: 8711006, $42,900, Briar Knoll Road, Amboy, 5 acres of vacant wooded land south of Amboy

This well maintained and clean family sized home features 5 bedrooms & 3.5 baths. Spacious rooms throughout. Master bedroom suites on both levels. Main floor laundry. Beautiful treed lot on 3 acres with 24x36 metal building/barn & fenced pasture which is zoned Ag. This property is special!

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• NEW LISTING: MLS: 123844, $108,900, 606 3rd Ave, Sterling,

GOT GROWING PAINS? SPREAD OUT HERE!

www.LindaSanders.com • www.LindaSanders.com

www.jimkingjr.com • www.missyandjim.com

TEAM JIM CESAREK AND TIM McCASLIN See full listings, pictures and virtual tours at www.jimandtim.com

Louise Gibbons 815-632-8942

STARTING OUT OR SCALING DOWN? Comfortable 3 bedroom brick home in Sterling. 3/4 bath with stackable washer/ dryer on the main floor & also laundry hook-ups in the basement. Enclosed sun porch. Garage.

Great location in the Woodlawn area.

See it at: www.fatherdaughtersteam.com/122885

AFFORDABLE & ADORABLE!

Great place to OPEN start in this 2 bedroom home located near Centennial Park in Rock Falls. Nice kitchen with ? appliances & large living room. Partial basment & pretty yard $ # pay rent? with deck & carport. Why Call Chris today or by visit the Hosted www.debproctor.com visual tour @ www.FatherDaughtersTeam.com

www.FatherDaughtersTeam.com

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11 YEAR OLD RANCH

Quality with unbelievable features...3 fireplaces, 5 car garage, master suite that’s awesome with its own fireplace. Jack & Jill bath with 2 large bedrooms. Walk-out finished basement & also much more! 1.2 acres. Roof in 2014. Call Chris today or visit the visual tour @ www.FatherDaughtersTeam.com

www.FatherDaughtersTeam.com

Melissa Ellefsen 309-912-2820

Barb Kophamer 815-772-4850