SVM-SS1

Real Estate Weekly A Marketing Feature of Sauk Valley Media

Thursday, December 22, 2016

www.saukvalley.com

Sauk Valley Media • C1

THIS WEEK’S FEATURE

COMFORTABLY ELEGANT COLONIAL

3785 W Rock Street, Grand Detour Wonderfully maintained to preserve the charm of an era gone by, yet updated for the age of convenience. Located in historic Grand Detour with a park-like atmosphere: 2 patios, lush yard with mature trees, plus an extra lot with garage & garden shed.

$195,000

SM-ST11465-1222

Call Patt Gjonola: 815-973-7997

We thank you for your valued business, and wish you and your loved ones a bounty of glad tidings this holiday season!

www.heartlandrealty.info

Member of Sauk Valley Association of Realtors

815 288-4648

MERRY CHRISTMAS TO YOU AND YOURS FROM

HEARTLAND REALTY!

745 N Ottawa Ave, Dixon

3BR 2BA home on a corner lot.

Spacious rooms, main floor bed & bath, enclosed porch. $59,000

Call Matt Hermes: 288-4648

709 Wiker Dr, Rock Falls

Spacious 3BR 2.5BA Tri-Level in great neighborhood. Many recent updates- come take a look! $119,900 Call Bill Dempsey: 631-4295

365 Lahman St, Franklin Grove 4 bedroom ranch w/partially finished basement. Heated &

insulated shed/workshop $99,000 Call Karen Didier: 973-2686

742 N Galena Ave, Dixon

inground pool. $189,900 Call Nancy Fritts: 440-3369

742 N Ottawa Ave, Dixon

Great commercial property w/fantastic exposure! Bright, open & versatile,

3 bedroom 2 story home in NE Dixon.

New carpet on main floor, shaded lot w/

plus parking in front & back- call today!

a great screened porch! $53,000 Call Diane Schnake: 440-4817

Call Matt Hermes: 288-4648

1195 Atkinson Rd, Harmon

2 S Mason Ave, Amboy

Well built 2BR brick ranch w/finished exposed basement on 6 acres.

Affordable family home, or great rental property. Vinyl siding, newer windows.

Attached & detached garages. $225,000

Great downtown location. $38,000 Call Nancy Fritts: 440-3369

Call Matt Hermes: 288-4648

SM-ST11462-1222

317 Fox Trot, Dixon

Spacious 2 story home on large corner lot. Huge master bedroom,

1405 W 1st St, Dixon

2 story duplex, each unit has 1BR 1BA. Nice investment or possible single family home.

$37,000 Call Nancy Fritts: 440-3369

1320 Sleepy Hollow Rd, Amboy Live like you’re on vacation everyday!

Immaculate 3BR 2BA home on 10 ac S of Amboy. $229,900 Call Nancy Fritts: 440-3369

113 E 10th St, Dixon

Great little 2BR starter w/ new roof, newer windows, hardwood floors, walkout basement. $59,900 Call Nancy Fritts: 440-3369

15715 1250 North Ave, Wyanet

Rural property w/beautiful 3BR 2.5BA home, stocked lake & outbuildings. Entire 82 ac, or 10 ac w/home- call for details!

Call Diane Schnake: 440-4817

624 N Galena Ave, Dixon

Huge duplex or single family home.

Hardwood floors, 2 fireplaces, deck, 2 year old roof. $60,000 Call Nancy Fritts: 440-3369

518 W 1st St, Dixon

Move in ready duplex w/maintenance free exterior. New carpet, main floor laundry. Priced to sell! $40,000 Call Nancy Fritts: 440-3369

992 Mile Rd, Dixon

3+BR 2.5BA rural ranch on 1 acre.

Move-in ready, finished basement, attached 2 car garage $109,000

Call Nancy Fritts: 440-3369

605 E. Webster St, Polo

110 W Webster St, Polo Quality 3 bedroom 3 bath ranch Spacious with open floorplan &

4BR 2BA in quiet neighborhood near the river.

New roof, huge yard, w/great views!

custom cabinetry throughout!. $159,900

Partially finished basement $137,900 Call Patt Gjonola: 973-7997

$77,900 Call Nancy Fritts: 440-3369

501 W Mason St, Polo

206 E Wasson Rd, Amboy

Quality 3BR 2.5BA ranch on a large lot.

Finished basement w/workshop &

Call Patt Gjonola: 973-7997

718 Woodlawn Dr, Prophetstown

207 Willett Ave, Dixon

4BR split level, great space for a reasonable price! Deck & a large

Well maintained & updated 4BR 3BA Victorian. Gorgeous woodwork &

Well kept 2,000 sq ft split level on a large corner lot. 4BR 2BA,

fully fenced yard. $79,900 Call Nancy Fritts: 440-3369

windows, 2.5 car garage. $118,500

attached 2 car garage. $132,000 Call Karen Didier: 973-2686

Call Patt Gjonola: 973-7997

Anne Karen Jim Bill Bill Nancy Diane Patt Matt Hermes Hermes Didier Smith Gorski Dempsey Fritts Schnake Gjonola Managing Broker 815-288-4648 815-441-4811 815-631-4295 815-440-3369 815-440-4817 815-440-7370 815-973-2686 815-288-6229 815-973-7997

815 288-4648 • www.heartlandrealty.info

Member of Hometown Association of Realtors

C2 • Sauk Valley Media

www.saukvalley.com

Thursday, December 22, 2016

LEONARD REAL ESTATE

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

815-625-7183

leonardre@essex1.com • www.leonardrealestate.net

“WHERE PERSONAL SERVICE IS #1”

Pat Leonard

Suzette Hanover

535-1274

718-1307

Managing Broker

Broker

www.CrawfordRealtyOnline.com 815-285-3444, 124 E. Boyd Street, Dixon $43,900

MLS#09396874

$52,000

MLS#09396293

$135,000

MLS#09396177

SEE OUR VIRTUAL TOURS ONLINE!

1702 W. 9TH ST., DIXON

1618 W. 4TH ST., DIXON

This small 720 sq. ft. 2 bedroom home is in need of a handy man! This home is on a corner lot and has a 2 car detached garage!

$107,900

MLS#09395452

Have a Happy and Warm Holida Season.

Holiday

MLS#09389342

Ready for one floor living this is a gorgeous 2 bedroom 2 bath ranch with screen porch and full basement

$116,500

SEE OUR VIRTUAL TOURS ONLINE!

$73,000

MLS#09388334

SEE OUR VIRTUAL TOURS ONLINE!

118 S. ELM ST., FRANKLIN GROVE

604 MARCLARE ST., DIXON

Charming 3 bedroom 2 bath home in Franklin Grove with attached garage plus 30x30 Wick building. Neat and tidy in and out. Attractively priced! AFC Schools.

3 bedroom, 1 bath home has hardwood floors, 1 car detached garage, partially fenced yard. Basement could be finished.

$96,500

MLS#09376844

SEE OUR VIRTUAL TOURS ONLINE!

309 SPRUCE ST., DIXON

Brick Ranch 3 bedrooms 2 baths in pristine condition with full finished basement.

$59,000

MLS#09388323

555 PINE MEADOW DR., DIXON

Cute and clean 2 bedroom, 1 bath ranch home has a 1 car detached garage with alley access. Living room has knotty pine walls, built in corner cabinet. Enclosed front porch.

$63,500

MLS#09356301

SEE OUR VIRTUAL TOURS ONLINE!

701 INSTITUTE BLVD., DIXON

LLC

www.CrawfordRealtyOnline.com 815-285-3444, 124 E. Boyd Street, Dixon

644 REYNOLDSWOOD RD., DIXON Must see ranch home on outskirts of town! This ranch home features 3 bedrooms on the main floor, large remodeled eat-in kitchen with sliding doors to deck, remodeled full bath and fenced back yard.

Home also features two car attached insulated and heated garage, and an additional 4th bedroom in the lower level with walk-in closet. Call today for a private showing!

MLS#09350231

Grand brick 2 story home. Complete with walk up attic, lots of character in the woodwork, moldings, fireplaces, and more.

An in-ground pool, large shed, approximate 2 acre parcel. Tremendous possibilities.

$119,900

$29,900

MLS#09343574

MLS#09221590

Two story home on corner lot. 3 bedrooms, 2 baths, covered front porch, back porch, new kitchen, hardwood floors and an open staircase.

Kitchen, dining room combo with island.

$175,000

SEE OUR VIRTUAL TOURS ONLINE!

1122 INSTITUTE BLVD., DIXON

320 FIELDSTONE LN., DIXON

440 RIVER BLUFF DR., DIXON

Space you need at a price you can afford. 3 bedroom 2 1/2 bath-main floor family room. Large master bedroom with walk-in closet and master bath. 1 1/2 lots in Idle Oak.

Unique home with balcony overlooking living room. This home features river views and access, 3 bedrooms, 2 baths, and 2 decks that are great for entertaining! Call today for a private showing!

$245,900

MLS#09183903

Happy Holidays

$164,900

from all of us at Crawford Realty, LLC

SEE OUR VIRTUAL TOURS ONLINE!

20213 HICKORY HILLS RD., STERLING

1501 1ST AVE., STERLING

One of a kind Victorian Queen Anne! Completely renovated, 3-story beauty, 3 bedrooms, 2 baths and a finished attic.

Original woodwork, pocket doors, pine floors, open staircase, back staircase and original light fixtures complete the charm.

Minutes from town on 1.8 acres with original out-buildings.

Kirsten Crawford Managing Broker 815-973-0841

SAUK VALLEY

daily GAZETTE TELEGRAPH SM-ST11463-1222

Dave DeVries Managing Broker 815-441-1446

REALTY

815-380-2500

Dawn Nielsen 815-441-3515

Beautiful home on corner lot in a very nice neighborhood in Sterling for sale. His and her Jacuzzi tubs. Laundry chutes. 2 master onsuites. 3 mounted smart flat screens stay with home. Security. Too much to list. Motivated seller.

Tim Crawford 815-535-3444

Cynthia Adcock 815-677-0934

Barb Davis 815-441-0900

Andrea Ragan 815-973-4033

Wes Anderson 815-499-5146

Vickie Gutierrez 815-973-4444

Piper Grazulis 815-631-4446

Merdita Heald 815-718-2272

Your friends at Xtreme Realty

$74,900

#09388952

Drew DeVries 815-909-8330

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

Best wishes for a wonderful holiday season and a new year filled with peace & happiness!

Tracy DeVries 815-564-8732 www.SuperDaveHomes.com

Patti Shoemaker 815-994-8794

Vicky Turner 815-973-5548

Tracy DeVries 815-564-8732

Peace on Earth

Se vende casa en lo privado de dueno con un entre de $20,000 y pagos comodos mensuales. Llame a Xtreme Realty 815-380-2500 para esta propiedad de 2 recamaras y un cuarto de storage que puede ser cuarto de niños, oficina en el primer piso, garaje de un carro, yarda muy grande y patio de madera y tabique. Llame parra hacer sita parra ver y para detalles o negociar su pago mensual.

$169,900

MLS#09215241

SEE OUR VIRTUAL TOURS ONLINE!

One Story Living in newer ranch home has a grand great room with fireplace, master bedroom suite plus much needed main floor laundry, two decks on 1.08 acres in Wild Cat Subdivision.

MLS#09200040

802 S. PEORIA AVE.

All brick ranch home with 3 bedrooms, wood burning fireplace, hardwood floors throughout home, cedar closets, nice yard, screened porch and a 2 car detached garage. New roof in 2015.

$109,900

MLS#09225519

Go to “Sauk Valley Jobs” in today’s classified section for helpful career information.

CLASSIFIED

815 4TH AVE., DIXON

109 S. SYCAMORE ST., FRANKLIN GROVE

Great Rental Opportunity! Main floor laundry, large room on main floor could be additional living area, large eat-in kitchen and full bath. Large lot with one car detached garage and alley access.

Point your Career in a New Direction...

GREAT FAMILY HOME IN PROPHETSTOWN

NEW KITCHEN ...

Quality built home with newer roof, vinyl siding, updated windows, and much more.

Large 2 car + heated garage. A very neat and clean property that has been well cared for.

and bath in this renovated 3 bedroom home with main floor laundry, fenced yard, and a 2 car garage.

$90,000

$74,900

Wes Anderson 815-499-5146

#09389106

Call Dave DeVries 815-441-1446 www.SuperDaveHomes.com

#09385808

LOTS OF UPDATES!

DEER GROVE

NEW YEAR – NEW HOME!

3 Possible 4 bedrooms. Eat-in kitchen, new wood laminate, carpet, windows, furnace 2015, water heater 2014. Freshly painted with many updates.

Three bedrooms, 2 full baths, newly remodeled – new siding, windows & roof.

Front & back porches, main floor laundry.

Start 2017 off right in this move-in ready 3 bedroom, 2 bath home with new laminate flooring in kitchen & main floor bath, and newer furnace. Main floor laundry, 20x12 covered patio, and 12x10 shed.

$69,900

$65,000

$62,900

www.MerditaServesYou.net Merdita Heald 815-718-2272

#09332413

www.MerditaServesYou.net Merdita Heald 815-718-2272

#09270022

Call Tracy DeVries 815-564-8732

#09378550

NEW LISTINGS $34,900 2 Bedrooms, Basement, Garage – Rock Falls $36,900 3 Bedrooms, Basement, Garage – Rock Falls $39,900 5 Bedrooms, Garage – Sterling

NEW LISTING

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

$42,000

MLS#09355241

526 E. MAIN ST., AMBOY

Very nice 2 bedroom, 1 bath home. The improvements are endless including roof, furnace, central air and many more. Call today!

Subject to seller finding home of choice.

$118,000

MLS#09176738

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

811 E. 3RD ST., DIXON

This home has a lot of potential but does need some TLC. This 2 story home has 4 bedrooms, 2 car detached garage with screened in porch.

4 Bedrooms, 2 baths, 2 car garage, extra large fenced in yard, high efficiency furnace with central air.

$43,900

Call Dawn Nielsen 815-441-3515 www.815home.com

#09400515

$59,900 6 Bedrooms, Basement, Garage – Rock Falls

Call Super Dave 815-441-1446 www.SuperDaveHomes.com

LET’S GO SNOWMOBILING! Lots of room on this 2 ½ acre property for the family to enjoy. Just 2 miles from town in Montmorency School area. Gas and electric to the property. Easy hard road access.

Wes Anderson 815-499-5146

$24,900

#08757352

Thursday, December 22, 2016

www.saukvalley.com

Sauk Valley Media • C3

How to save enough for a down payment on a house

Sauk Valley 110 E. LYNN BLVD. STERLING, IL 61081

(815) 625-3722

(MS)

A home is the most costly thing many people will ever buy. The process of buying a home can be both exciting and nerve-wracking. One way to make the process of buying a home go more smoothly is to save enough money to put down a substantial down payment.

Saving for a down payment on a home is similar to saving for other items, only on a far grander scale. Many financial planners and real estate professionals recommend prospective home buyers put down no less than 20 percent of the total cost of the home they’re buying. Down payments short of 20 percent will require private mortgage insurance, or PMI. The cost of PMI depends on a host of variables, but is generally between 0.3 and 1.5 percent of the original loan amount. While plenty of homeowners pay PMI, buyers who can afford to put down 20 percent can save themselves a considerable amount of money by doing so.

Down payments on a home tend to be substantial, but the following are a few strategies prospective home buyers can employ to grow their savings with an eye toward making a down payment on their next home.

• Decide when you want to buy. The first step to buying a home begins when buyers save their first dollar for a down payment. Deciding when to buy can help buyers develop a saving strategy. If buyers decide they want to buy in five years away, they will have more time to build their savings. If buyers want to buy within a year, they will need to save more each month, and those whose existing savings fall far short of the 20 percent threshold may have to accept paying PMI. Continued on page C4

The best news you’ll get all day.

Illinois Farm For Sale

Newng! i List

Soi l 135 PI

Ogle Co. - 419.99± acres

dailyGAZETTE Subscribe Today!

TELEGRAPH 815-284-2222

•

www.birdrealtysells.com

•

GARY CORWELL

815-298-1357 garycorwell@remax.net garycorwell.com

Information available at www.capitalag.com 22263 1365 North Ave., Princeton, IL 61356

www.birdrealtysells.com

•

www.birdrealtysells.com

Eric Bird

•

Jo Bryson

Laurie Sandoval

Broker Associate 815-946-3999

Broker Associate 815-499-1587

815-716-7379 jill@bardierteam.com bardierteam.com

JIM CESAREK

815-716-0976 sold@jimandtim.com jimandtim.com

HOMES • FARMS • COMMERCIAL • AUCTION SERVICE

WWW.BIRDREALTYSELLS.COM

John Dorenbos

1688 Brandywine Lane, Dixon, IL • 815-288-0998

Bigger Than It Looks!

NEW LISTING

xo

North Humphrey Ave.

Broker Associate 815-440-2943

LAKE FRONT

R Fa oc k lls

n

¾ Acre lot in East Coloma School District. 5 minutes from public access to the Rock River, Rock River Golf & Pool, and Interstate 88.

Reduced price! Call Jo for details 815-946-3999.

12 Acre Farmette

$13,500

MLS#09209250

Move-In Ready

R Fa oc k lls

R Fa oc k lls

This CLEAN lake front 2-story is waiting for you.

Currently set up as a duplex, but easily converted back to a single family – lots of possibilities! Live in one unit and have the other provide income, or as a single family you will have tons of space for everyone. All this with a large 2 car garage and a million dollar view. Call Laurie at 815-499-1587 or Eric at 815-973-6768 to view.

$159,900

MLS#09380260

Cute 2 bedroom, 1.5 bath bungalow in move-in condition.

Garage roof and water heater new in 2015. All appliances stay.

Call John at 815-718-0956 to see or go to johndorenbos.com for more information.

$56,900

MLS#09360375

TIM MCCASLIN

815-716-7653 sold@jimandtim.com jimandtim.com

JOHN ROSENGREN

815-631-8550 johnrosengren@gmail.com saukvalleyhomes.net

KEITH ZOELLER

815-622-1598 kjzoeller@gmail.com zoellerag.com

•

$10,500

Doug Weber

Broker Associate 815-222-5806

www.birdrealtysells.com

Not a drive-by – bigger than it looks. New roof going on right now! Major updates and improvements within the last 2-3 years including new baseboard heat, garage door opener, storm doors, bath, electric, flooring, paint, carpet, light fixtures, and more. Nice sized bedrooms, 2 bathrooms, one with a large shower. Enclosed back porch and good sized back yard. Eat-in kitchen. Large family room in the lower level. Lots of room! Call Kevin at 815-739-8155. $89,900 MLS# 09404389

Kevin Considine

Broker Associate/Auctioneer 815-739-8155

•

Di

Rhonda Weitzel

Broker Associate 815-718-0956

www.birdrealtysells.com

www.birdrealtysells.com

JILL RAMIREZ

•

•

Managing Broker 815-973-6768

www.birdrealtysells.com www.birdrealtysells.com

www.birdrealtysells.com

www.birdrealtysells.com

•

815-499-1590 fmurphy35@gmail.com frankmurphyrealtor.com

Call Timothy A. Harris, Managing Broker 815-875-7418

815-625-3600

www.birdrealtysells.com

FRANK MURPHY

406.04± FSA tillable acres - No Improvements Open Lease for 2017 2± mi. NE of Monroe Center, Secs. 11 & 14, Monroe Twp.

g

www.birdrealtysells.com

#08878834

Ne

Beautiful river front property.

This home offers 2-3 bedrooms with new carpet and paint, and hardwood floors under the living room carpet. Newer 1.5 bath, large 24x40 garage, and priced to sell!

Call Kevin at 815-739-8155.

MLS#09340446

$99,900

MLS#09381459

$114,900

$13,500

Di

xo

Room to roam & tons of updates. Nice fenced back yard, 10x15 deck, attached 24x21 garage, patio. “Newer” includes painted exterior, garage door & opener, windows 2 yrs. old, A/C 4 yrs. old, water heater new 2015. New upstairs bath 2013. Bonus 4th bedroom. New front half of roof 2013. Nice Northside location off Brinton Ave. Priced to Sell! Call Kevin at 815-739-8155.

1st parcel of 83.92 acres with a nice 2-story farm house with updates including new roof & updated electrical 2015. 50 acres tillable. Rolling high ground with great views. Farm is available for 2017. 2nd parcel of 2.56 acres is the current home of SRS Recycling Services.

Approximately 44,000 sq. ft. building, has a large bay building constructed in 1999 with loading docks.

Extensive electrical. City sewer & private well. A clean phase 1 completed in 2011. Call Kevin at 815-739-8155.

MLS#09278075

MLS#09402217

$119,900

w

ar

Am

k

MLS#08992721

$15,900

MLS#09070179

$269,500

$349,900

• www.birdrealtysells.com • www.birdrealtysells.com

ch

el

Starting at $13,970

MLS#08455180

Ha

MLS#09274886

rm

xo

MLS#09366892

Di

n

xo

n

MOTIVATED SELLER ENCOURAGES ALL OFFERS! 3 Bedroom home offering a large master bedroom, updated bath with whirlpool tub, eat-in kitchen, insulated 2 car garage and much more. Call Eric at 815-9736768 or go to BirdRealtySells.com for details.

Incredible 3 bedroom 2.5 bath home with large rooms, full basement, 2.5 car garage, large lot with many trees and lovely landscaping. Move in ready and quick possession possible. Call Eric at 815-973-6768 or go to birdrealtysells.com for details.

$59,900

$167,500

MLS#09091082

Motivated Seller

on

MLS# 09389911

60 Acres Class “A” Soils bo

St

y

3 Bedroom, 2 bath mobile home offering a master suite with walk-in closet and large garden tub. Large living room, storage shed, deck and much more! All appliances stay.

Lot rent includes water, sewer and garbage. Call Eric at 815-973-6768 or go to BirdRealtySells.com for more information.

$16,000

MLS#09336354

er

li n

g

60 Acres Class “A” Soils, all tillable and available to farm in 2017.

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

$13,900/acre MLS#09118546

SM-ST11460-1222

www.birdrealtysells.com

•

www.birdrealtysells.com

•

www.birdrealtysells.com

•

815-632-8942 lgibbons@cin.net lgibbons@illinoisproperty.com

PATTI SWORD

815-590-0130 psword@remax.net pattisword.com

SUZI VANOOSTEN

815-440-0689 suzzzie61064@yahoo.com svanoosten.com

TRACEY DECRANE 815-677-2164 traceyd@remax.net sellsaukvalley.com

BARB KOPHAMER

815-772-4850 bkophamer@yahoo.com barbkophamer.com

3 Bedroom 2.5 Baths

Am

Check out this 5 bedroom, 2 bath, 3-story home offering many updates including newer windows, roof, paint, baths, hardwood floors, and much more.

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

$169,900

Di

le

Gorgeous wooded lots in country subdivision with city sewer and community water. Call Eric at 815973-6768 for more details or go to BirdRealtySells.com.

on

This 3 bedroom home offers a large living room, vaulted ceilings, full basement, large deck, large wooded lot, and much more. Call Eric at 815-973-6768 or go to BirdRealtySells.com for details.

$99,900

Great NE Dixon Location

www.birdrealtysells.com

•

www.birdrealtysells.com

www.birdrealtysells.com

www.birdrealtysells.com

Ro

MLS#09397803

LOUISE GIBBONS

BRIAN CORWELL

815-716-0772 brian@briancorwell.com briancorwell.com

CHANDRA MEYER

www.birdrealtysells.com •

Or eg

Br We oo st kl yn

n

Move-in ready 3 bedroom, 3 bath with finished walk-out basement, 2 fireplaces, 2 pole buildings, and 2 acres. Mendota Schools. This 1 owner home has been well maintained and is ready for a new owner. Call Eric at 815-973-6768 for more details or go to BirdRealtySells.com.

Amazing Family Home

Wooded Lot PRICE REDUCED

xo

Here is a large lot in Castellan Subdivision ready for your new home!

This lot is approximately ½ acre in size and is not located in the 100 year floor zone. Call Eric at 815-973-6768 or go to BirdRealtySells.com for more information.

40 Rural Lots

MLS#09396556

#09104106

815-499-9461 linda@lindasanders.com lindasanders.com

www.birdrealtysells.com •

$119,900

$69,900

Immaculate Ranch

Ready To Build On Di

Here is your chance to purchase nearly 5 acres located close to I-39, I-80, and I-88. City utilities available. Exceptional opportunity!

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

Immaculate 3 bedroom, 3.5 bath custom home on over 2 acres, featuring oak flooring, doors and trim, 25x35 great room, wood burning fireplace, walkout lower level, 3.5 car attached heated garage plus a 2 car detached heated garage with shop. This home is one of a kind! Call Eric at 815-973-6768 or go to BirdRealtySells.com for details.

R Fa oc k lls

This 3 bedroom ranch offers a large family room, partially finished basement, game room, 2 car attached garage, fenced yard and much, much more. Call Eric at 815973-6768 for more details or go to BirdRealtySells.com.

P Pa aw w

LINDA SANDERS

•

East Coloma Ranch

$946,360

y

•

MLS#09123192

bo

5 Acre Building Site!!

DR Faixoock lls n

n

Breathtaking Home on 2.8 Acres

117.5 Acres with 111 tillable featuring Class A and B soils and a great location near Newark, IL. Great Investment! Call Eric today at 815-973-6768 or go to BirdRealtySells.com for details.

$8,569/acre

2 Parcels - Endless Possibilities

Priced to Sell

MLS#09284999

815-716-3604 lee@bardierteam.com bardierteam.com

www.birdrealtysells.com

www.birdrealtysells.com

New kitchen, remodeled baths, new flooring, freshly painted interior, new brushed nickel fixtures and hardware, all in 2016. Also new windows, spray painted siding, garage roof, garage door opener and blacktop driveway all in 2016. Hot water heater in 2014, furnace in 2008, new AC to be installed prior to closing. 1.5 car garage. Broker owned. Call John at 815-718-0956 to see or go to johndorenbos.com.

LEE BARDIER

•

•

117.5 Acres

n

It doesn’t get any better for the $$!!

CLEAN 2 bedroom, move-in condition, with partial river views in Rock River Estate. Coming with ALL appliances including a BRAND NEW stove. This sweet deal even includes the shed!

Call Laurie at 815-499-1587 or go to www.lauriesandoval.com for more info.

R Fa oc k lls

$169,900

g

xo

www.birdrealtysells.com

www.birdrealtysells.com

Great Income Potential!

Di

•

This all brick apartment building offers 4 units, each with 2 bedrooms, 1 bath, private laundry, and single car garage. Great location and rental history. Agent owned.

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

#09131714

li n

www.birdrealtysells.com

$224,900

n

RIVER FRONT HOME er

•

Hard to find Farmette with 12 acres m.o.l. North of Sterling with updated 3 bedroom home, large garage, approximately 8 tillable acres and some timber.

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

xo

St

815-632-7909 chandra@realestatebychandra.com realestatebychandra.com

DAVE TWINING

815-499-6711 dtwining@comcast.net davetwining.com

DEB PROCTOR

SM-ST11459-1222

li n

•

•

er

5 BEDROOMS! Di

www.birdrealtysells.com

www.birdrealtysells.com

•

St

815-213-0164 deb@debproctor.com debproctor.com

www.saukvalley.com

C4 • Sauk Valley Media

Thursday, December 22, 2016

Bird Realty is pleased to announce the addition of Doug Weber to our team. Doug brings with him 11 years of experience as a real estate broker associate.

Doug Weber 815-222-5806

CALL DOUG TO DAY !

DREAM IT. SEE IT. BUY IT. S

SM-ST11469-1222

ey!

Doug‘s Got the K

Buying or selling real estate in Northern Illinois?

Call Doug at 815-222-5806 for all your real estate needs! www.BirdRealtySells.com | 1688 Brandywine Lane, Dixon, IL | 815-288-0998

Your Local Source Continued from page C3

• Prequalify for a mortgage. Before buyers even look for their new homes, they should first sit down with a mortgage lender to determine how much a mortgage they will qualify for. Prequalifying for a mortgage can make the home buying process a lot easier, and it also can give first-time buyers an idea of how much they can spend.

Once lenders prequalify prospective buyers, the buyers can then do the simple math to determine how much they will need to put down. For example, preapproval for a $300,000 loan means buyers will have to put down $60,000 to meet the 20 percent down payment threshold. In that example, buyers can put down less than $60,000, but they will then have to pay PMI. It’s important for buyers to understand that a down payment is not the only costs they will have to come up with when buying a home.

dailyGAZETTE

TELEGRAPH

Closing costs and other fees will also need to be paid by the buyers.

• Examine monthly expenses. Once buyers learn how much mortgage they will qualify for, they will then see how close they are to buying a home. But prospective buyers of all means can save more each month by examining their monthly expenses and looking for ways to save. Buyers can begin by looking over their recent spending habits and then seeing where they can spend less. Cutting back on luxuries and other unnecessary spending can help buyers get closer to buying their next home.

GOING ON VACATION?

To subscribe call 815-625-3600 • 815-284-2222

511 E. 3rd Street, Sterling, IL 61081

815-626-7450

Judy Powell 815-716-7450

Jenni Dace 815-716-7675

Ed Hook

815-499-4848

NEW LISTING

Move Right In. Ranch offers full bath located in the hallway convenient to the 2 bedrooms. Kitchen has nice wooden cabinets with the stove and refrigerator. Replacement windows. Laundry in the full basement. Newer central air. 1 ½ car garage, alley in the back. Plus nice garden shed.

MLS#09342430

$62,900

Great starter or investment home.

Located on 2 lots in Sterling. 2 bedroom features newer windows, updated electric and 1.5 car garage with additional 18x22 storage shed.

MLS#08856052

$39,900

Keep in touch with the news of the Sauk Valley

Open floor plan with kitchen-dining-living room combination. 4 bedrooms and 3+ baths. Large master suite has sliding doors and large master bath. Unique gas log fireplace in the living room along with woodburning fireplace and 2 sets of sliding doors in the family room. Main floor laundry. Basement offers storage room with ½ bath and could be easily finished. Large patio and deck.

$144,900

Sparkling 2 bedroom home in Sterling.

Freshly painted interior and hardwood floors. New kitchen and bath. Full basement has waterproofing system.

Newer furnace and central air. New water heater. Garage/shed.

MLS#09388777

$46,900

Lake living at its best! 4 bedroom ranch home with a 4 car garage. Open floor plan with large kitchen overlooking the living room with fireplace. Finished basement has family room with fireplace, 4th bedroom, and storage. Large deck overlooking the large back yard and Lake.

Updated 2 bedroom ranch has a nice floor plan.

Full basement is partially finished. Possible 3rd bedroom, utility room, laundry and family room. New flooring throughout. 3 car garage is insulated and has alley access. Sump pump has back up system. Broker owned.

MLS#09399839

MLS#09313547

$159,900

$73,900

D L O S

BIG GARAGE …... 36x21 with workshop plus an extra 1 stall garage with loft area. 3 Large open floor plan with 4 bedrooms, 1 ½ baths, modern updated kitchen and Tree-Lined Acre Lot. Cape Cod bedrooms, oak kitchen with appliances, newer lots of counter space. Hardwood floors, main floor laundry, full basement, and 1 flooring, large full bath, 3-season room, newer 3-4 bedroom Montmorency home. water heater, chain link fenced backyard with car garage situated on 2 lots. Sterling Schools. multiple gates and alley access.

Everything is newer and top of the MLS#09388657 MLS#09372752

$76,000

$89,900

line quality. Custom Walnut kitchen (John Martin), dining room, formal

living room with fireplace. Main floor laundry. 2 updated modern baths. Walnut hardwood floors.

Replacement windows. Finished Unique Property with something for everyone. Ranch with acreage.

Sterling Schools. Full walk-out basement. 4 bedrooms, 2 baths, family room with woodburning fireplace. Gentleman’s building with workshop wired for machinery. Barn is sectioned off for small animals, loft for hay, along with electric and water. The entire property is fenced, sectioned and wired. Rolling hills and pond.

MLS#09326669

$169,900

basement. 2 ½ car attached

Craftsman Brick Home. 5 bedrooms, 2 new custom bathrooms with high-end fixtures. Original hardwood floors, wood burning fireplace, charming built-ins garage plus 16x22 detached and storage galore. Formal living room & dining room with crown molding.

Knotty pine breakfast nook. Full basement, patio, and gorgeous treed lot. 3 garage. One owner home. blocks from Sterling schools. Home has a radon mitigation system.

MLS#09368743 MLS#09353181

$149,900

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

$164,900