SVM-SS1_11062014

Real Estate Weekly A Marketing Feature of Sauk Valley Media

Thursday, November 6, 2014

www.saukvalley.com

Sauk Valley Media • C1

THIS WEEK’S FEATURE

210 N Brinton Ave, Dixon

Open Sunday 12-2 pm

Classic brick beauty! Large living room with fireplace, formal dining, vaulted 4 season room, & a beautiful kitchen with tile floor, cherry cabinets, Corian counters & pantry highlight the main floor. Upstairs are 4 bedrooms & an awesome bath that has the original black & white inlaid glass tile. Partially finished basement has a family room, laundry & nice storage. This home is here to stay- it is an all steel & concrete construction. The picture is completed by the winding brick driveway to the 2 car garage, and gorgeous landscaping. Call today!

$234,900

Call Nancy Fritts: 815-440-3369

Member of Sauk Valley Association of Realtors

www.heartlandrealtyonline.com

John Rosengren Broker/Owner 815-631-8550

815 288-4648

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

(815) 284-4663

110 E. Lynn Blvd., Sterling, IL 61081

516 N. GALENA AVE., DIXON

SaukValleyRealEstate.com SaukValleyOpenHouse.com

(815) 625-3722

www.SaukValleyRealEstate.com

$159,900

#8736780

Great potential for a large single family home that is set up for in-law apartment or duplex with income producing possibilities. Great views of Dixon park!

3-4 bedrooms, 2 bath, high ceilings, some beautiful hardwood. Call Me!!

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

Edson Cox

$59,900

#08752575

$89,900

#8750442

815-499-0821 www.edsoncox.com edsoncox@gmail.com

edsoncox@gmail.com #123148

$179,000

BEAUTIFUL 5 BEDROOM HOME Completely redone from studs up. 5 bedroom, 4 bath, all the bells & whistles.

Excellent location.

$124,900

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edsoncox@gmail.com

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$271,000

#122197

$147,000

#123776

GORGEOUS 4 BEDROOM FAMILY HOME

Country beauty has it all including pool.

2 fireplaces, vaulted ceilings, situated on 2+ acres. 3 car garage. All the bells & whistles. Bring an Offer.

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edsoncox@gmail.com

GREAT RURAL FARM HOUSE

3+ bedroom, above ground pool. Pole shed. Owner says bring an offer.

edsoncox@gmail.com #08740592

3 bedroom in Northeast Sterling with covered patio. No steps.

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

www.FrankMurphyRealtor.com

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413 4TH AVE., ROCK FALLS

Move in ready 2 bedroom. Large rooms, full basement.

#08606508

OPEN SATURDAY 2-3 217 Avenue D, Rock Falls $65,000 #08683008 Hosted by Jerry Bartlett

#08683123

TIRED OF NEIGHBORS?

3 bedroom offers 2 great outbuildings.

72x36; 32x26 both with steel roofs. Room to breathe in the 120’s.

See it now @ www.briancorwell.com

#08760973

$51,900

Price reduced on this lovely home. Very well cared for ranch. Full basement has family room with 3rd bedroom. Wood flooring, remodeled bath. Sun-room.

Call Lee Bardier 815-716-3604

$149,900

HOMESTEAD HERE

4 bedrooms, 2 baths on 2+/- acres.

5 outbuildings, front porch & rear deck with forever views. New roof.

Priced below market value. www.briancorwell.com

NEW LISTING!

Wonderful 1872 classic “Italianate” on Morrison’s historic “Lincoln Highway”. Tastefully refurbished inside and out with attention paid to classic details, including wall coverings.

Home includes 4 original “Coal Grate” burning fireplaces, updated kitchen featuring Quarter Sawn Oak Cabinetry & a carriage house with loft.

#08740368

$199,900

#08762184

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FREE 1 YEAR HOME WARRANTY!

Charming 3 bedroom, attached garage, corner lot, fenced in backyard.

See @ www.BardierTeam.com

www.BardierTeam.com

John Rosengren

UPDATES GALORE!

#120409

john@jrosengren.com www.jrosengren.com

ONLY $3,950 PER ACRE

67.04 acres with income from the tillable acres and CRP, Bureau County.

$178,900

#123618

$51,500

#08644442

$264,808

815-631-8550

This spacious home features many updates, including: Exterior paint (2013), driveway paved (2007), new kitchen and appliances (2006) and a new roof (2004). The windows have been replaced and basement waterproofed. The lower level offers a large family room and kitchen area.

Huge Back Porch!

815-772-4850 • www.BarbKophamer.com #08586354

$67,500

918 MARY AVE, DIXON

www.BardierTeam.com $179,900

$119,000

#08667403

CLOSE TO SCHOOLS & HOSPITALS Main floor has 2 bedrooms, upper is all one bedroom, full basement, large side yard.

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

815-499-1590

OPEN SATURDAY 11:30-1 OPEN SATURDAY 1:30-3 413 4th Avenue, Rock Falls 208 E. Miller Road, Sterling $62,000 #8752447 $149,900 #8763909 Hosted by Frank Murphy Hosted by Frank Murphy

$120’s

#08601517

edsoncox@gmail.com

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OPEN SATURDAY 11:30-1 $62,000

208 E. MILLER RD., STERLING

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

#8752447

3-4 bedroom ranch with lots of updates and private yard.

edsoncox@gmail.com

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OPEN SATURDAY 1:30-3 $149,900

$60’s

BELOW ASSESSED VALUE

815-440-0689

#8763909

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3 bedroom ranch on 4 acres close to Montmorency School.

This Morrison home is surrounded by farmland and offers an endless rural view but is minutes from downtown. Features include updated mechanicals, steel siding, a new roof and a well maintained interior. Completely remodeled bath, 3 bedroom, a 5x12 storage room, 2 car garage, covered porch and a patio.

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

Suzi VanOosten #8762040

BEST OF BOTH WORLDS

GORGEOUS SETTING

See My Visual Tours Online!

$64,250

www.SaukValleyOpenHouse.com BIG HOUSE FOR A LITTLE $$$ 3 bedroom, 2 bath home.

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

BIG HOUSE FOR LITTLE MONEY

Large 3 or 4 bedrooms, 2 baths, finished basement, now listed on www.auction.com.

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

www.garycorwell.com • www.garycorwell.com

MOVE RIGHT INTO....

this spacious country ranch featuring 4 bedrooms and 2.5 baths. The large kitchen includes appliances & pantry. There is a finished walk out basement, insulated and heated 2.5 car garage, above ground pool & located just north of Sterling. www.18177PenningtonRd.com

www.jrosengren.com

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www.jrosengren.com

C2 • Sauk Valley Media

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Thursday, November 6, 2014

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 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.

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

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.

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

815-288-3303

View all area listings: www.ucburkerealty.com

Burke Realty Thompson

vicky-turner.com

New y Listing b!

Vicky

Ted Hvarre

Kevin Considine

3782151

7398155

Broker Associate

9735548

4408002

New y Listinginb!

Kev

$69,900

MLS# 08763995 NEW LISTING

609 LOGAN AVE., DIXON

Looking for a small starter home with BIG house amenities? Home has a spacious living room and kitchen with 3 GREAT sized bedrooms including a beautiful backyard with a HUGE deck. Very well maintained home - clean, pet & smoke-free! Call to see it TODAY!!

$29,900

MLS#08546681

MLS# 08762728 NEW LISTING

$239,000

693 BLOODY GULCH RD., DIXON

Looking for a beautiful home just a little ways out? See this great 3 bedroom 2.5 bath on almost an acre. Main floor laundry, 3 car garage, nicely landscaped, park like yard. This is an impressive home! Call today!

MLS#08527543

$120,000

MLS# 08762250 NEW LISTING

$199,900

387 WOODSIDE PL., DIXON

3 bedroom 2 bath ranch home, 2 x 6 construction, 9 ft ceilings. Large kitchen w/ breakfast bar. Enjoy the deck and the partially fenced yard. Main floor laundry and a 3 car garage.

MLS#08687792

$89,000

Jim Smith

Realtor Auctioneer

Broker Associate

2886229

807 S. COLLEGE AVE., DIXON

Large four bedroom home with some newer windows and nice open floor plan.

MLS#08678416

$299,900

910 HEMLOCK AVE., DIXON

Nice home with loads of storage space.

All 3 bedrooms with double closets and hardwood floors.

MLS#08616096

$159,900

833 N OTTAWA AVE, DIXON

3 bedroom 2 full bath home offers main floor laundry, office, and sunny front porch, 1 car garage and an expansive, privacy fenced yard with patio great for entertaining.

MLS#08755334

$85,000

New y Listing b!

Vicky

RANCH - EDGE OF DIXON Ranch Modular/Mobile Homes 1.9 acres edged with trees, 2+ car garage. Open floor plan- large kitchen, dining area & large living room with fireplace. Master bedroom with double closets, Master bath with garden tub, separate shower and sink. 2nd bedroom plus full bath with tub/shower and walk-in closet. Main floor laundry. Den with built in and glass french doors.

Virtual Tour @ www.UCBurkeRealty.com

3 bedroom home close to town on a beautiful large lot with fenced back yard. Nice screened porch & a 30x14 back deck. Additional garage/ workshop with a screened porch area attached to it. Bring the kids, nice playground set up in the fenced back yard.

MLS#08758924

MLS#08763176

$74,900

815-285-3444, 124 E. Boyd Street, Dixon

Broker/Owner

CRS, GRI, Broker

Broker Associate

www.CrawfordRealtyOnline.com

LLC

Jim Burke National Advertising - Local Expertise

Vicky Turner

Sharon U.

closing costs, but mortgage insurance costs as well. These initial costs can be several thousands of dollars.

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

CONVENIENT RURAL SETTING

QUALITY 4 BEDROOM HOME

Very well maintained 4 bedroom, 2.5 bath home with large eat-in kitchen with quartz countertops & cherry cabinetry, formal dining room, main floor laundry and a ½ bath just off kitchen/garage. Home has lots of storage.

The garage is clean and insulated. Beautiful fenced back yard with nice mature trees and a relaxing patio.

Virtual Tour @ www.UCBurkeRealty.com

$147,000 MLS#08746185 $237,500

8156 S DELAWARE ST., DIXON

Move in Ready Colonial home located in Historic Grand Detour just 1 block from the Rock River.

$90,000

MLS#08751613

331 OLD MILL ROAD, FRANKLIN GROVE

Special care has been taken on this raised ranch home. Beautiful Oak Cabinets, Trim and 6 Panel Doors through out. Call Listing Agent for a Private Tour. Hosted by Barb Davis MLS#08750548

$74,900

215 E 3RD ST., DIXON

This home features 2 good sized bedrooms, a large 2 car garage and a full basement. All this and a great location! Call today!

MLS#08741146

$124,900

New y Listing b!

Vicky

TURN KEY READY!

Updated home with newer kitchen cabinets & countertops-new flooring, freshly painted & new windows. 2 bedrooms on main floor with full bath + lower level easily finished off with plenty of room for additional bedrooms and or family room-plus 1/2 bath already in place. Oversized yard, deck & firepit.

Detached garage & fenced yard. Great condition.

Virtual Tour @ www.UCBurkeRealty.com

MLS#08765904

jb

$61,900

cs

PRICE REDUCTION!!

Spacious 2 story home with 3 bedrooms, 1.5 baths, updated kitchen, dining area, large living room with french door to one of 2 decks and mud room. Full bath with separate shower and tub and bonus room in finished attic area. 2 car garage & over sized barn style shed on large corner lot.

Virtual Tour @ www.UCBurkeRealty.com

New Price

WATERFRONT - LAKE HOME

Perfect turn key condition in private coveted lakefront location. Open floor plan with tremendous views & living room with fullwall of windows,beautiful sun room, finished lower level with added electrical panel & tiered patio overlooks lake. For more information on the Lost Lake Community go to www.discoverlostlake.org Virtual Tour @ www.UCBurkeRealty.com MLS#08747134

$69,900 MLS#08746895 $359,000

Judy Beveroth Realtors

815-626-2761 or 815-499-0140

Carol Schryver

Brick - Hardwood Floors - 3 Baths!

Plus a John Martin Kitchen like new. 2 bedrooms, the 3rd bedroom was made into a laundry/ bath. Hardwood floors in bedrooms, hall and laundry. Very nice partially finished full basement. Large 2 car garage and all on 1.5 lots with a fenced backyard.

Call Carol 441-2981

$99,900 #123785

MLS#08733265

815-441-2981 or 815-626-0958 Price Reduced!

Nice Ranch - Full Basement

Cute & Clean 3 bedroom ranch with many updates including high efficiency furnace and central air, all windows except picture windows, plus more.

One bath, eat-in kitchen and nice living room, garage and cozy back yard.

Call Carol 441-2981 $72,000 #123898

$134,900

635 2ND AVE, DIXON

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

Large Price Reduction

MLS#08738601

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!!

Email: beveroth@comcast.net

Email: cschryver@cin.net

1254 SOUTH ST., DIXON

Very nice 2 story home located in Nachusa. Completely remodeled with new carpet and new vinyl flooring in kitchen & bathrooms.

Open Saturday 1-2 PM

23486 Troy Rd., Sterling

3 bedroom ranch on 1.3 acres, with an eat-in kitchen with many oak cupboards, large living room, 1.5 bath, large main floor laundry, full usable basement, 2 car attached garage plus a 1 car detached garage. A large yard with garden area. Call Carol 441-2981 $120,000 #123334

$125,000

611 S. 6TH ST., OREGON Large 4 bedroom home on corner lot has 2 garages, a 2 car detached garage and a 1 car detached garage, fenced yard and above ground pool.

MLS#08714438

$79,500

1043 HIGHLAND AVENUE, DIXON

RECENTLY ADDED 1 CAR GARAGE! Large updated kitchen with bonus area used as pantry, dining room area with wood flooring, extra large main floor bathroom with laundry area.

MLS#08736744

$28,900

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#08725500

$120,000

506 TRACY AVE, ASHTON

MOVE IN READY! 3 bedroom ranch has lots of room!

The large living room is off the open kitchen/dining area for easy entertaining and the finished basement has recently remodeled bathroom and second kitchen area.

MLS#08491430

$74,000

Take a closer look at this brick ranch.

These are 2-3 bedrooms, attached garage, fenced yard & full basement.

Call Judy today for a private showing!

$52,900 #118374

Care-free living here. Fully equipped kitchen, 2 bedrooms, main floor laundry all on private street. There is a large living room/dining room for holiday entertaining.

Call Judy Today! $99,900 #118725

Room for everyone in this ranch on 3 acres. You will love the finished basement and the garage has room for 3+ autos and all the toys.

Call Judy Today!

$320,000 #121396

Kirsten Crawford Tim Crawford Managing Broker 815-535-3444 815-973-0841

MLS#08736511

$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. Hosted by Barb Davis

MLS#08714553

$249,000

1221 LONG STREET, DIXON

WOW FACTOR! Master Suite 26x18 - vaulted ceilings, reading area, huge walk-in closet & bath with double sinks & large soaking tub.

Too much to mention MUST SEE! MLS#08530970

$59,900

1209 PRESCOTT STREET, DIXON

510 E MCKENNEY STREET, DIXON

Adorable craftsman style home with loads of character. The home features natural woodwork throughout and beautifully refinished hardwood floors. Seller has done many updates.

1516 TILTON PARK DR, DIXON

Move-in ready 3 bedroom, 1.5 bath, great neighborhood on the edge of town. Newer flooring, a remodeled bathroom, outdoor shed, and a 2 car attached garage.

927 N. DEMENT AVENUE, DIXON Cute, 3 bedroom, 1.5 bath, Call Today!

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

Barb Davis Vickie Gutierrez Kathy Yount Patti Schoemaker CynthiaAdcock Andrea Ragan 815-441-0900 815-973-4444 815-973-1770 815-994-8794 815-677-0934 815-973-4033

Piper Grazulis 815-631-4446

Thursday, November 6, 2014

www.saukvalley.com

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.

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.

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.

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New on Market - 8.22 Acre Farmette

News that starts with you.

To subscribe call 815-625-3600 | 815-284-2222 www.birdrealtysells.com

Call Ed Ebersohl Realty (815) 626-9337

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Laurie Sandoval

Broker Associate 815-499-1587

Eric Bird

Managing Broker 815-973-6768

3 Bedroom 2.5 Bath

Rhonda Weitzel Broker Associate 815-440-2943

Broker Associate 815-718-0956

Montmorency Schools Di

NEW LISTING

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NEW LISTING

www.birdrealtysells.com • www.birdrealtysells.com

$60,000

15 Acre Estate

Updated Home on 1.27 Acres ri s

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$229,900

Fixer Upper!

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Turn Key Opportunity xo

MLS#123200

Wonderfully Remodeled Home Po

MLS#122234

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MLS#122453

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Office Space For Rent

MLS#123253

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Come & view this beautiful home located on 2 wooded secluded acres complete with golf course and lake access. Large beautiful open floor plan with 4 bedrooms & enclosed porch. Call Laurie at 815-499-1587 for details.

$299,900

$49,900

MLS#122887

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Great visibility and traffic count, private entrance, bath and much more. Only $500 a month. Call Eric 815-973-6768. $500/month MLS#122268

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MLS#122822

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MLS#122926

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Nicely updated 6 bedroom, 3.5 bath home offering huge master suite, original woodwork, main floor laundry & a full basement. There are also several outbuildings and approximately 6.5 tillable acres. Agent owned.

$289,900

MLS#123906

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Nearly50acresinOgleCountybetweenSterling & Polo. Offering Buffalo Creek frontage. The elevation changes on the parcel offer exciting views and excellent building sites. Deer, turkey andotherwildlifearethrivingonthisrareparcel.

CallEricat815-973-6768orgotoBirdrealtysells. com for details.

$4,900/ Acre

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PRICE REDUCED!

2-three bedroom, 1.5 bath units, both currently rented, all utilities separate. Great cash flow. Call Eric at 815-973-6768 or go to Birdrealtysells.com for more details.

$84,900

MLS#123280

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$100,000 PRICE REDUCTION!

$75,900

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Golf and Lake Access!

$229,900

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See all the new improvements done to this home in 2013 including new kitchen, baths, windows, paint, flooring, furnace/AC and much more!

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

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Clean move-in ready 3 bedroom with brand new carpeting, paint, bath remodel, newer roof, windows, central air, water heater PLUS all new appliances. Realtor owned. Call Laurie at 815-499-1587 for details.

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SOLD AS-IS! Has potential, huge home, corner lot, must see! Call Eric at 815-973-6768 or go to Birdrealtysells.com for more details.

$29,900

Remodeled 3 Bedroom

Price Reduced

Large Duplex

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MOTIVATED SELLER! Newer storage facility offering up to 48 units located in Dixon with over 2 acres of land for possible expansion. Great income potential. Call Eric at 815-9736768 or go to Birdrealtysells.com for details.

$189,900

MLS#123397

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MLS#08758724

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$159,900

Large 2 Story Home

Double lot, mostly brick, 4 bedroom 2.5 bath home with family room fireplace. Newer roof & furnace.

Sold as is. Call John at 815-718-0956 for details.

$79,900

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.

MLS#121193

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.

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$156,900

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2 wooded building sites, both are approximately 2.8 acres located near I-39, I-88 and US Rt. 30. Buy one lot or two for more privacy.

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

$32,900 EA. MLS#122686

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

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!

www.birdrealtysells.com

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$49,900

MLS#121557

• www.birdrealtysells.com

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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.

MLS#123791

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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 @ 815718-0956 or go to www.johndorenbos.com for details.

www.birdrealtysells.com •

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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.

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.

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This 3-4 bedroom home offers a 1 acre lot, full finished basement with wet bar, 3/4 bath, and bedroom, newer septic, updated paint and flooring, a 2 car attached garage and much more.

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

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Charm & Character

MLS#08763996

29890 Penrose Rd, Sterling

NEW PRICE!

$99,000

$119,900

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MLS#08761032

1901 4th Ave, Sterling

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$136,000

This updated 3 bedroom, 1.75 bath home offers large rooms, partially finished basement, 1.63 acre lot & much more. Call Eric at 815-9736768 or go to birdrealtysells.com for details.

www.birdrealtysells.com

This 3 bedroom, 2.5 bath condo in Dixon offers many updates, 3 levels of living space, 2 car garage, large deck, fireplace, main floor laundry and much more! Call Eric at 815-973-6768 or go to birdrealtysells.com for details.

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Country home, barn, machine shed & fenced pasture. Four bedrooms, 2 bathrooms, first floor laundry. John Martin Kitchen. Newer natural gas heat and central air. Broker owned.

www.birdrealtysells.com

26680 Fulfs Road, Sterling

HUNGRY?

C4 • Sauk Valley Media

www.saukvalley.com

Thursday, November 6, 2014

the

e t s a T 2014 - 2015

NOW AVAILABLE! TO RECEIVE YOUR FREE COPY EMAIL kweinstock@SaukValley.com WITH YOUR NAME & ADDRESS or call 815-625-3600 Ext. 5601

Thursday, November 6, 2014

www.saukvalley.com

Things to consider before downsizing your home

Sauk Valley Media • C5

retirement nest egg is not as substantial as you would like it to be, then it would seem as though downsizing to a smaller, more affordable home is a great opportunity for you to start catching up on your retirement savings. But that’s only true if your new home won’t incur any additional expenses that are already taken care of in your current home. For example, your current home may be fully furnished, while a new, smaller home may require you to buy all new furniture because your existing items simply won’t fit. The cost of such furnishings can be considerable. If you plan to move into a condominium, you can expect to pay monthly homeowners association fees, and such fees are often substantial. So while the condo itself might be smaller, the additional

expenses associated with the property may end up making the smaller home more expensive and prevent you from saving more money for retirement.

Real estate market There are seller’s markets and there are buyer’s markets, and ideally you would like to sell your home in a seller’s market. But keep in mind that this might be the same market in which you hope to buy a new home. The nature of the real estate market depends on a host of factors, including geography. If the city or town where you currently live is in the midst of a seller’s market and you are planning on moving to a location where buyers

Once their kids have left the nest, many men and women over 50 begin to consider downsizing their homes. Downsizing to a smaller home can be beneficial for a variety of reasons, including less home to clean and maintain, more affordable utility bills and lower property taxes.

But the decision to downsize is rarely black and white, and men and women often struggle with that decision.

Perhaps the most difficult part of the decision of whether or not to downsize to a smaller home concerns Tracy Jerry Dave Wes Merdita Debbie Dawn the sentimental DeVries Ratajczak Flannery DeVries Anderson Heald Nielsen REALTY Managing Broker 815-590-2077 815-973-0533 815-441-3515 815-499-5146 815-718-2272 815-564-8732 attachment many 815-441-1446 homeowners, 1201 1st Avenue, Rock Falls www.MyXtremeRealty.com especially those with OPEN HOUSE SATURDAY 2-3 NEW children, have to their FF OPEN HOUSE SATURDAY 2-3 Listing E E homes. The home A A might be too big for T T U U your current needs, but Great Starter Home 801 E 19th Street, Sterling Clean 2 Bedroom Coze Home - Small Town R R 2101 Dixon Ave., Rock Falls With full basement, heated 2-3 bedroom home with extra it also was the same 3 bedroom brick ranch featuring • 2 Bedrooms 2-3 bedrooms, 1.5 baths with a E E 2 car attached garage, fenced long lot for those backyard porch, hardwood floors in a full finished basement with 4th • Newer Appliances, Flooring lovers! 2 car garage, wood deck bedrooms.

Home has a newer place where your son yard & a 70x12 screened porch. bedroom, 2 full baths, fireplace & • Many Updates off back. Separate dining room furnace, roof & windows. Close floor plan includes eat-in H a fenced in yard.

H Open • Home Warranty & main floor laundry room. took his first steps and to schools & park. kitchen and 23x15 living room.

O SuperDaveHomes.com O MerditaServesYou.net Relax it’s...DebbieFlannery.com Tracy DeVries Tracy DeVries where your daughter 815-441-1446 M M 815-973-0533 815-564-8732 815-564-8732 E E $89,900 MLS#08756646 $49,900 MLS#08755690 $39,900 MLS#08766593 $149,900 MLS#08755655 $32,000 MLS#08756822 lost her first tooth.

Saying goodbye to a OPEN HOUSE SUNDAY 1-3 place that was home to so many memories isn’t easy. But there’s more Merditaservesyou.net than just sentimental Gorgeous 3+ Bedroom One of a kind, 2010 built, 4 possible Wolf Subdivision With 2.25 baths, 3 car 5 bedroom.

Open floor plan, kitchen value to consider when 15611 Wiilow Ct. Sterling Like new 2 bedroom. Master with center island/breakfast bar, large garage, full basement, bedroom has master bath & walkliving room with 3 sided fireplace. deciding whether or 4 bedrooms, 3 baths, bi-level with 2 car tucked under garage. Also double corner lot and a in closet, full basement, newly dry Master suite with walk in closet & full has another 2 car detached garage and deck overlooking nice yard walled, has 3rd bedroom, family bath. Main floor laundry, full basement. relaxing hot tub! not to downsize your room & 3/4 bath. wrap around porch. 2 out buildings an and a walkout lower level. Come see this one!

Call Tracy 815-564-8732 over 2 acres!! www.SeeDawnsHomes.com Jerry Ratajczak 815-590-2077 home after the kids 815-718-2272 815-441-3515 $149,900 MLS#08754552 $169,900 MLS#08758007 $219,500 MLS#0878338 $249,900 MLS#8754270 have grown up and moved out.

815-380-2500

Personal finances Your financial situation merits significant consideration when deciding if the time is right to downsize your home. If your

1,700 Sq. Ft. Montmorency Ranch

3 bedrooms, 2 baths, full basement, main floor family room overlooking beautiful enclosed walk through garden area. Master bath includes jacuzzi tub with separate shower.

www.SeeDawnsHomes.com

815-441-3515

$149,900

MLS#08753568

Christmas In The Country

Enjoy the Christmas season at this wonderful scenic rural location. Nice 3 bedroom ranch with attached garage and additional 24x32 shop building on 1.6 acres.

Wes Anderson 815-499-5146 $104,900 MLS#08756903

• Many updates • Nicely sized bedrooms • Original woodwork • Home Warranty

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

$85,000

N OPEday r Satu-4 PM 2:30

7208 S Ridge Rd, Dixon

Spacious 3 bedroom, 2 bath home with full finished basement on 2.5 acres in great rural location! $200,000

512 ASSEMBLY PL, DIXON

520 E FELLOWS ST, DIXON

Nice 3 bedroom 2 bath with large Charming cottage-style home gourmet kitchen, great location 2 bedroom 2 bath with hardwood with park off of back yard. floors, fireplace & attached $79,000 garage. $89,999

CALL NANCY FRITTS: 440-3369 CALL NANCY FRITTS: 440-3369

Call Diane Schnake: 440-4817

500 Countryside Ln, Dixon

Move in ready 2 bedroom, 2 bath duplex with vaulted ceilings, fireplace & 2 car attached garage. $134,900

Call Nancy Fritts: 440-3369

New 28x24 Garage

A Home For All Holidays

Spacious Home

MLS#08759517

Built in 2009, with a very clean 1 story home featuring 2 bedrooms, newer eat-in oak kitchen, full basement, and a privacy fenced yard!

Very spacious 3 bedroom home with newer siding, roof, trim, soffets and gutters. Tampico/ Prophetstown Schools.

Wonderful home being sold to settle the estate.

Wes Anderson 499-5146

$69,900

MLS#08754672

N OPEday r Satu PM 12-2

SuperDaveHomes.com 815-441-1446 $57,900 MLS#08758087

N OPE ay d Sun PM 12-2

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

863 Riverside Dr, Dixon

Lovely 3-4 bedroom 1.5 bath home in White Oaks. Lovely kitchen, New bath, 2-tier deck $185,000

Call Nancy Fritts: 440-3369

1302 Pump Factory Rd, Dixon

Spacious, well maintained 4 bedroom home on 1.9 ac. Large garage/shop with heat & AC. $177,500

Call Bill Gorski: 815-288-4648

408 S Prairie, Polo

Nice 4 unit apartment building with solid income & 3 long time tenants. $149,900

Call Patt Gjonola: 973-7997

E PRIC D UCE D E R

341 Rockyford Rd, Amboy

4 bedroom 2 bath home on 5 Acres with 4 outbuildings, approx 6 miles south of Amboy. $159,000

Call Nancy Fritts: 440-3369

705 W 5th St, Sterling

4 bedroom 2 story home with wood floors across from Wallace Park $28,500

Call Matt Hermes: 288-4648

1042 N Moose Rd, Mt. Morris

Unique & serene 4 bedroom 2 bath screened pavilion & 2-story barn-style workshop- must see! $249,900

Call Patt Gjonola: 973-7997

1308 Institute Blvd, Dixon

Ranch in NE Dixon with finished Basement with total of 4 bedroom 2 bath 1 car attached garage. $85,000

Call Diane Schnake: 440-4817

117 Fox Trot, Dixon

Magnificent 4 bedroom 2.5 bath custom-built home in Idle Oak. Bright & pristine, just move in! $389,000

Call Nancy Fritts: 440-3369

E PRIC D CE U D RE

506 W Wilson St, Polo

Spacious 3 bedroom 2.5 bath ranch with 2 car attached garage & outbuilding. $136,000

Call Matt Hermes: 288-4648

4216 N Timber Ln, Grand Detour

Private riverfront property! 4 bedroom 3 bath with 3.5 car garage & finished walkout basement. $349,500

Call Nancy Fritts: 440-3369

508 W Locust St, Polo

Spacious & well maintained 4 bedroom 1.5 baths with natural woodwork, newer roof, updated electric. $74,500

Call Patt Gjonola: 973-7997

908 W 6th St, Dixon

3 bedroom, 1 bath ranch on large corner lot. Hardwood floors, detached garage, priced to sell! $48,500

Call Matt Hermes: 288-4648

415 S Franklin Ave, Polo

Spacious 2 story on corner lot. Could be 2 apartments. 2 newer furnaces & water heaters, sold as is. $39,900

Call Patt Gjonola: 973-7997

509 E Bradshaw, Dixon

Well kept ranch in NE Dixon.

2 bedroom with 3rd in basement. 1 car detached garage - call today! $67,000

Call Matt Hermes: 288-4648

611 S Dixon Ave, Dixon

Move-in ready 2-3 bedrooms with open layout in quiet neighborhood Priced to sell! $74,500

Call Anne Hermes: 440-7370

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

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

1025 Long Rd, Harmon

Lovely 4 bedroom farmette with spa-like bath, large kitchen. 2.6 ac with pool & barn with man cave. $199,000

Call Bill Dempsey: 631-4295

1024 Myrtle Ave, Dixon

Lovely 3 bedroom 2 bath ranch with approx 100 ft of river frontage. Partially finished basement. $159,900

Call Bill Gorski: 285-0123

Anne Hermes 815-440-7370

Patt Gjonola 815-973-7997

Member of Sauk Valley Association of Realtors

C6 • Sauk Valley Media

www.saukvalley.com

Thursday, November 6, 2014

“...WHY PRINT WILL NOT ONLY SURVIVE, BUT THRIVE IN THE FUTURE.”

For the second year in a row, and the third time in five years, Sauk Valley Media has won the General Excellence competition among mid-sized newspapers in Illinois. The judges said:

“

All the top finishers in this closely contested division are examples of why print journalism still matters, and why print will not only survive, but thrive in the future. These three newspapers fulfill the most important mission of a community newspaper, which is to focus on the community they are in and put their emphasis on local people and issues. The Telegraph did this a little better than the others. The newspaper devoted its resources to local events and concerns – whether it was covering the complexities of a strike by local teachers, the debate over the need for a helmet law or the efforts to find a man who went missing in a river. The Telegraph's front page consistently contained nothing but well-written local stories, and it made excellent use of sidebars, charts and info boxes to better inform its readers.

“

True to Shaw Media's Brand Promise, the Telegraph and Daily Gazette are committed to advocating for the community in many ways, among them aggressive watchdog journalism, responsible editorial opinion, and responsive local coverage.

Or, as the judges described it, to “focus on the community they are in and put their emphasis on local people and issues.” That's what we do.

RELIABLE INFORMATION • MARKETING SOLUTIONS • COMMUNITY ADVOCACY

Thursday, November 6, 2014

www.saukvalley.com

Sauk Valley Media • C7

Your local printing and graphic design specialist!

Business Cards • Envelopes • Letterhead Carbonless Invoices • Full-Color Printing Contact Kris Sands Today!

815-632-6470 footage really is just upkeep you aren’t especially and women over 50 consider after their children interested in doing, then you would no doubt have moved out. Such a decision is rarely easy, so have the upper hand, then now might be a great like a cozier home that’s less of a responsibility to homeowners should take as much time as they time to move. But if you currently live in a buyer’s maintain. need before making a final decision to move or market and hope to move to a seller’s market, Downsizing a home is something many men stay put. then you may end up paying a steep price, even when downsizing to a smaller home. Things may even themselves out if you want to downsize to a smaller home within your current community, but do your homework nonetheless, researching the time of year when you’re most likely to get the most for your home and find the best deal on your next place. The advantage men and women considering downsizing have is that they are rarely in a rush to move out of their current home and into their next one. This gives them ample time to make the real estate market work Ed Hook Nichole Baker Judy Powell for them.

Jenni Dace Patty Martinez 815-716-7450

Space How much space do you really need? Once the kids have moved out, couples may feel like all of that extra space is going to waste. But that can be a knee-jerk reaction, and upon a more thorough examination of the space and your needs you may just find that you can put all of that extra square footage to good use after all. If you have always wanted your own art studio, then now might be the perfect time to make that a reality.

Always wanted a room devoted to home theater?

Get to work on converting your basement from an all-purpose game room to your own private movie theater. If, after considering the space in your home, you find that the extra square

ON-SITE REAL ESTATE AUCTION 2021 E. 7th St., Sterling, IL 3BR, 1ba. 860sq.ft Single Family Sale Date: Sat., Nov. 8th at 11:00 A.M. FREE BROCHURE 800-260-5846 auctionservicesintl.com Josh Orlan, Auctioneer Lic# 471.006701 Lic# FM444000425

5% Buyer's Prem.

815-716-7675

815-499-0721

NEW LISTING

Close to Schools!!! Updated inside and out including Hickory flooring and newer carpeting. Large open kitchen offers snack bar, ceramic floor and appliances. Living room has 2 sliding doors and stone fireplace.

Remodeled bath. Newer mechanicals, siding and windows. Deck and fenced yard.

Cute and charming describes this 2 bedroom Sterling home close to the Schools. Hardwood floors, updated bath, new roof, enclosed porch, shed and new privacy fenced backyard.

MLS# 08767805

MLS# 08767756

$89,900

NEW LISTING

Brick Ranch on almost an Acre outside of Rock Falls. 3 bedrooms, 2 bath with open floor plan. Dining room has sliding door to the deck. New water heater, sump pump, well and pump. Full basement and main floor laundry. Montmorency Schools.

Montmorency Schools – 4 bedroom ranch has great room offering remodeled kitchen, granite countertops, breakfast bar and open to the dining/living room. Solid oak 6 panel doors, vaulted ceilings, main floor laundry, Andersen windows and patio doors leading to the deck and pool. 2 car garage.

MLS# 08767796

MLS#08767630

$129,900

OPEN SATURDAY 12-1:30 PM

507 W 12th Street, Sterling 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.

$42,000

MLS#08752658

Edge of town Rock Falls This 2 bedroom is move in ready. ranch is cute and clean. 1 3/4 baths, eat-in oak kitchen with new countertops and newer 2 bedrooms, main floor appliances. Large living room with laundry, 1 car garage, patio fireplace. All new flooring. Central air. Basement with laundry and and storage shed.

3/4 bath. 1.5 car attached garage.

$51,000

Immediate possession.

MLS#08749366

All for only $14.00

CLASSIFIEDS SAUK VALLEY dailyGAZETTE

TELEGRAPH

815-625-3600 or 815-284-2222 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.

$199,000

PRICE REDUCED

PRICE REDUCED

$52,900

$137,500

MLS#08758190

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

$69,900

NEW LISTING

3 bedroom brick ranch in the Woodlawn area on a beautiful tree lined street. Large rooms, delightful kitchen with all the appliances. 2-1/2 baths, fireplace, full basement and 2 car attached finished garage. Patio and nice fenced backyard.

Very clean.

Sauk Valley Media would like to offer you a

815-757-5630

NEW LISTING

MLS#08754707

Good News

815-499-4848

Northeast Sterling ranch. Over 1,500 sq ft features 3 bedrooms, 1-1/2 baths, main floor family room with fireplace. Main floor laundry, appliances stay and fenced backyard.

$85,000

MLS#08754661

Cute Starter Home.....2 bedrooms, main floor laundry, basement. Newer siding and roof. Fenced backyard.

MLS#08749257

$36,500

Milledgeville -Two-story brick storefront contains 3,576 square feet of commercial space on two levels. Very well maintained.

$53,900

MLS#08749476

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!!!

$129,900

MLS# 08749030

NEW PRICE

Cute 2 bedroom updated Sterling home. Newer carpet, water heater and windows.

Enclosed porch and full basement.

$44,900

MLS#08754348

Milledgeville - Small Town Comfort - Kitchen has cherry cabinets and formal dining room with built-ins.

Hardwood floors, wood burning fireplace, main floor laundry, sliding doors. Steel roof and newer windows.

MLS#08748482

$69,900

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#08748351

$67,900

2009 Mobile Home offers three bedrooms, 2 bath, - master bath and large master bedroom. Open kitchen and living room. Shed and vinyl siding - clean, clean, clean!!

MLS#08760829

$26,000

FOR RENT

Hilltop Tudor on 2.5 Acres

Exceptional large home. 4 bedrooms and 2-3/4 baths. Hardwood floors (under carpet). Big eat-in kitchen with tons of cupboards. Enclosed front porch. Full basement. Steel siding and 2 car detached garage. Immediate possession MLS#08753921

$210,995

Quality throughout including 5 bedrooms, 2-1/2 baths, and over 3,000 sq ft.

Master suite with its own balcony. Modern kitchen with breakfast bar, built-ins and appliances. Beautiful full length sun room. Lower level has family room with fireplace, wet bar, and office. Additional rec room, heated inground pool, hot tub and multi-level decks for entertaining. Overlooking the Lake with lake access.

MLS#08751830

$315,900

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

C8 • Sauk Valley Media

www.saukvalley.com

(815) 625-3722 •

FEATURED BROKER

RE/MAX Sauk Valley Welcomes Broker Associate

Frank Murphy

To their Team!

Frank is licensed in Illinois & Iowa and has many years of Real Estate experience in the Sauk Valley & Quad City markets.

He also offers a strong background in rental & investment properties. Call with all your real estate needs.

815-499-1590

FEATURED BROKER

•

FEATURED BROKER • FEATURED BROKER

FEATURED BROKER • FEATURED BROKER

FEATURED BROKER

$207,000

SaukValleyRealEstate.com

SaukValleyOpenHouse.com

#113017

$5,000

$55,000

#122812

Frank Murphy 815-499-1590 SUPER BUILDING SITE - BEST OFFER

WAITING FOR YOU

Unbelievable price for 2 lots to build your own home, walk to the river, quiet area, good location & near the interstate.

Perfection throughout this 3 bedroom, 2 bath property. Large living room with dining area, kitchen filled cabinetry, separate laundry area, private deck & garden shed. Approximately 1,600 Sq. Ft. of living area. Call Louise 815-632-8942

Call Louise 815-632-8942

www.louisegibbons.com

•

#08759257

#08657573

#08736842

CENTRALLY LOCATED This building is in a great location downtown Sterling. A convenient home to any retail/ service business. There is approximately 6,862 Sq. Ft. divided into a finished office space, garage space and shop area.

$78,900

COZY AND AFFORDABLE This is a cozy 1.5 story 3 bedroom with great updates. New roof in 2011, six panel doors throughout, updated full bath. 2 car garage and fenced in back yard.

Call me for a showing today! Melissa 309912-2820.

Call Melissa or Jim for more information.

$28,500

Jill Ramirez 815-716-7379

THE BANK’S LOSS IS YOUR GAIN! Looking for a winter project? These properties need sprucing up! Both of these homes offer 3 bedrooms and good square footage.

Call Linda at 815-499-9461

#08543215

$234,000

ew e N ric P

NATURE AT YOUR DOOR!

Jerry Bartlett 815-535-8427

Chris King 815-499-8279

SINGLE LEVEL!

Dave Twining 815-499-6711

www.DaveTwining.com dtwining@comcast.net

Edson Cox 815-499-0821

Call Dave 815-499-6711. Visual tour @ www.davetwining.com

6711. Visual tour @ www.davetwining.com

www.davetwining.com

Suzi VanOosten 815-440-0689

View all listings all the time!

Comfortable 1 story, 2-3 bedroom home with large garage, near park, on a quiet street. Main floor laundry. All appliances stay.

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815-499-6711

SALUTING OUR VETERANS WHO GENEROUSLY GAVE OF THEMSELVES FOR OUR BENEFIT AND THE FAMILIES WHO WAITED AT HOME.

Dave Twining 815-499-6711

Keith Zoeller

815-622-1598 Jim King Jr. 309-716-6755 zoellerag.com

#08725505

Linda Sanders 815-499-9461

$17,500

GRANDVIEW DRIVE LOT

Deb Proctor 815-213-0164

Residential building lot in Hickory Hills #3.

Almost 1 acre in size with several trees and wildlife plantings.

Call Keith for a showing!

OPEN SATURDAY 2-3 $65,000

#08683008

217 AVENUE D, ROCK FALLS

This 3 bedroom home has been remodeled with the following new features in 2008: roof, furnace, central air, windows, wiring, plumbing, kitchen, bath, drywall, insulation & water heater. 2 car attached garage and main floor laundry. #08628273

$54,900

EDGE OF TOWN RANCH

Very nice 3 bedroom home with mostly new flooring, replacement windows, 2 car garage and fenced yard.

QUIET LOCATION!

STATELY BRICK HOME!

This beautiful 5 bedroom, 3.5 bath home offers 2 new furnaces, new appliances & 2 wood burning fireplaces. Hardwood floors throughout and 20x40 ft. in-ground pool. A TRULY UNIQUE PROPERTY!

$109,900

#08668444

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

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815-535-8427

$99,000

#08758011

BEST BUY!

Strawberry Fields Condo in a convenient location with 2 bedrooms & 2 baths. Great room with vaulted ceiling & skylight. Nice kitchen with large pantry & counter top seating. Large bedrooms each with their own bath. 6 panel doors & upgraded trim. Sun room with door to back patio. Handicap accessible.

No mowing or snow shoveling here! Call today!

Call Patti today or visit the visual tour @ www.FatherDaughtersTeam.com

$188,000

$275,000

#08642065

6TH AVENUE RANCH

www.FatherDaughtersTeam.com

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Barb Kophamer 815-772-4850

3 bedroom ranch home in Rock Falls with freshly painted interior, new roof & gutters, new water heater and more. Oak hardwood flooring updated kitchen & full basement.

Call Keith for more information.

#08714877

Tracey DeCrane 815-677-2164

$78,900

SMALL TOWN LIVING!

Nice 1.5 story 3 bedroom in Coleta with extensive remodeling almost everything has been updated or remodeled. Good size yard, detached garage and much more.

Call Keith for more information or to see.

Melissa Ellefsen 309-912-2820

www.zoellerag.com 815-622-1598

#08705751

$107,500

Tim Rosengren 630-803-0320 Louise Gibbons 815-632-8942

ADORABLE CAPE COD!

3 bedroom, 1 3/4 bath with old fashion quality. Reflects original era with natural woodwork, wood floors, crown molding & arches. Brick & patio with privacy fence. It’s a must see, call today!

Call Patti today or visit the visual tour @ www.FatherDaughtersTeam.com #08742260

Brian Corwell 815-716-0772

$290,000 ce ed ri c P du e R

ce ed ri c P du e R

CHECK IT OUT!

in Colonial Acres subdivision, a 3 bedroom, OPEN 2.5 bath, 1.5 story home, chef’s delight kitchen. Spacious living room and family ? foyer with open room. Dramatic 2 story staircase. Master suite $ on # main level. 2 large bedrooms upstairs. 2+ car garage and so Hosted much more! Call Chris todayby or visit the visual www.debproctor.com tour @ www.FatherDaughtersTeam.com

Patti Sword 815-590-0130

$117,900

ce ed ri c P du e R

www.FatherDaughtersTeam.com

#08686251

#08691482

ce ed ri c P du e R

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

$239,900

#08629784

ce ed ri c P du e R

www.jimandtim.com

$77,500

#08613105

Escape to the country on 5 spectacular acres near Dixon. Beautifully updated 2 bedroom home has gorgeous wood work, a beautiful view from every room and 2 out buildings.

This property has it all! Call Dave 815-499-

QUALITY BUILT HOME

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Recently reduced to entice a sale!!

This very affordable 3 bedroom home is close to schools and features a nice eat-in kitchen with oak cabinetry and a main floor laundry room. Other amenities include a covered porch, deck & shed. Replacement windows.

www.LindaSanders.com • www.LindaSanders.com

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 and a beautiful landscaped yard.

Call Chris today or visit the visual tour www.debproctor.com • @ www.FatherDaughtersTeam.com

www.jimandtim.com

DON’T MISS THIS OPPORTUNITY

Why rent? Call Linda to take advantage of this offer!

www.jimkingjr.com • www.missyandjim.com

TEAM JIM CESAREK AND TIM McCASLIN See full listings, pictures and virtual tours at www.jimandtim.com • NEW PRICE: MLS: 08717565, $37,900, 110 S. Main St. Coleta, 1BR/1BA, 1.5 Story FEATURED LISTINGS • MLS: 08653219, $24,900, 706 W. 2nd St, Rock Falls, 3BR/1BA, Ranch • MLS: 08748450, $39,900, 1208 3rd Avenue, Sterling, Duplex, both units 3BR/1BA • MLS: 08641724, $42,900, 707 4th Ave, Sterling, 3BR/1.5BA, 1.5 Story • MLS: 08728798, $49,900, 809 W. 15th St, Sterling, 2BR/2.5BA, 1.5 Story • MLS: 08560940, $62,500, 30609 Woodside Dr, Rock Falls, 3BR/1BA, Multilevel • MLS: 08628306, $69,900, 104 8th Ave, Sterling, 2BR/1.5BA, 2 Story • MLS: 08661686, $69,900, 1403 Flock Avenue, Rock Falls, 3BR/1BA, Ranch • MLS: 08749940, $76,900, 110 N. Main St, Walnut, 3BR/3BA, 1.5 Story • MLS: 08632326, $81,900, 2101 E. 7th St, Sterling, 3BR/1BA, Ranch • MLS: 08676965, $87,500, 701 Avenue A, Rock Falls, 2R/2.5BA, 1.5 Story with numerous updates • MLS: 08659524, $94,900, 19530 Fairhaven Rd, Chadwick, 4BR/2.5BA, 1.5 Story • MLS: 08590840, $107,900, 219 E. 4th St, Milledgeville, 4BR/3BA Ranch • MLS: 08763272, $127,900, 1200 Lenore St, Rock Falls, 3BR/1.5BA, Ranch • MLS: 08633116, $144,900, 2310 5th Ave, Sterling, 5BR/2.5BA, Ranch • MLS: 08692095, $159,500, 27859 Knief Road, Rock Falls, 3BR/2.5BA, Ranch • MLS: 08604886, $169,900, 21459 Mathew Rd, Sterling, 4BR/3.5BA, 2 Story on 3.93 acres • MLS: 08702380, $249,900, 1714 Gregdon Shores Dr, 4BR/2BA, River 2 Story • MLS: 08565576, $525,000, 1002 Gregdon Shores Dr, Sterling, 4BR/3BA, River 2 Story

Lee Bardier 815-716-3604

$48,000

#08632351

ce ed ri c P du e R

$160,000

Gary Corwell 815-298-1357

www.louisegibbons.com

A FAMILY FAVORITE

#08719102

1319 N. Galena Ave. Dixon, IL 61021

Outstanding Agents Outstanding Results

Gorgeous 3-5 bedroom 3.5 bath ranch. eatin kitchen with oak cabinets and sliding doors looking out to a large deck, above ground pool, spacious fenced in back yard. This home also has a full finished basement with family room, 2 bedrooms & .75 bath. 3 car garage.

This is a home your whole family will enjoy.

Call Jim or Melissa today!

Or Visit MissyandJim.com/08566780

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

110 E. Lynn Blvd., Sterling, IL 61081

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

$30,000

MissyandJim.com

Sauk Valley

(815) 284-4663

Visit Us Online!!

FEATURED BROKER #08566780

Thursday, November 6, 2014

3 YEAR OLD RANCH

Custom built in 2011 with 2,425 Sq. Ft. 3 bedrooms and 3 baths. 12 ft. ceilings. Custom cherry cabinets in kitchen with granite sink and counters. Living room with fireplace.

Master suite with 2 walk-in closets and jetted tub. Design and quality throughout!

Call Chris for an appointment to see or visit visual tour @ www.FatherDaughtersTeam.com

www.FatherDaughtersTeam.com

Keith Zoeller 815-622-1598