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RE-Weekly.com REAL ESTATE IN SKAGIT, ISLAND AND WHATCOM COUNTIES

INSIDE

ThisIssue Issue This

Tally AVOID GETTING The Real SOAKED CosTs of P. 4 ReloCaTing P. 4

Q & A: Ask Our TheBroker aRT of youR Deal P. 8

P. 8-9

6Q RULES & a: FOR ask TODAY’S BUYERS ouR BRokeR

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Classifieds ClassifieDs FEATURE HOME:

SEE PAGE 5 FOR MORE

$625,000 360.610.0120 1573496

14175 CoVe CouRT, anaCoRTes Cynthia aanestad, Windermere Re anacortes Properties

P.P.10 -11 10-11

a supplement to the skagit Valley herald and the anacortes american

February 17 – 23,2016 2017 xxxxx- xxxxx, 1573496


Re-Weekly content sponsored by: Northwest Fine Furnishings

TABLE OF CONTENTS Avoid getting soaked.............................. P. 4 Q & A: Ask our Broker.............................. P. 8 6 rules for today’s buyers........................ P. 9 Classifieds.........................................P. 10-11

To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2016 by Skagit Publishing LLC | All rights reserved.

All real estate advertised in Real Estate Weekly is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising which is in violation of the law. All persons are hereby informed that

all dwellings advertised are available on an equal opportunity basis. For further information call HUD Toll Free at 1-800-669-9777. All Houses subject to prior changes without notice. Neither advertisers nor Skagit Publishing are responsible for any errors in the ad copy. Skagit Publishing reserves the right to refuse any advertising, which we deem unsuitable for our

2025 Riverside Drive, Suite D Mount Vernon, WA 98273 (360) 755-9596

OPEN HOUSE SAT. FEB. 18TH 1-3PM Mount Vernon $215,000 Great townhouse in Mount Vernon. End lot with private fenced yard. Property backs to a greenbelt and creek. 2 BR, 2.5 BA. Built in 2003. Don’t miss out! MLS #1070203 Call Elizabeth, 708-8800

Call Call Elizabeth, Elizabeth, 708-8800 708-8800

Bow

$364,500

Beautiful 2 story home in desirable area. 3 BR, 2 ¼ BA. Lg. living room & fireplace. Kitchen w/eating space. 2 bonus/rec/ family rooms. Attached 2 car garage & attached 2 vehicle/RV/ boat carport. New roof, gutters & paint. Fully fenced yard on corner lot. MLS #1013958

Call Jim, 708-1681

Wilma Louia Designated Broker/Owner 661-1631

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Charlie & Jeannie Boon 708-9645

Mount Vernon

Jim Stransky 708-1681

$699,000

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Mount Vernon

$250,000

Rambler style home on 1.24 acres on Fir Island. 3 BR, 1.5 BA, 2,495 SF. Gas fireplace, almost new 100 yr roof and septic system. Lots of room for farm animals & gardening. Garage was converted to a professional sound proof recording studio. Just a few miles west of I-5 from Conway. MLS #1067313

Call Kirk, 770-7470 or Debbie, 708-8780

3,634 SF, 3 BR, 3 ½ bath view home on 1 acre. Living, dining, nook, family, den & Rec. rooms. 3 minutes from 1-5, S. Mount Vernon. Fabulous kitchen, gas range, granite, eating bar. 2 decks, patio, hot tub, RV parking, garden space. All natural gas, well insulated, tons of extra storage. 3 car finished garage. Olympic mountain view & amazing sunsets. MLS #1014213

Call Kirk, 770-7470

www.SkagitValleyRealEstate.com

North Puget Sound Association of REALTORS® 2016 Award of Excellence Recipients

D CE DU E R

$432,900

publication. Unless otherwise noted, all photographs, artwork and ad designs printed are the sole property of Skagit Publishing and may not be duplicated or reprinted without express written permission. Skagit Publishing is not responsible for typographical or production errors or the accuracy of information provided by advertisers.

MOUNT VERNON

320 S Burlington Blvd Burlington, WA 98233 (360) 755-9494

Dir: From Highway 9, north into Nookachamps Hills, east on Sockeye. Amazing home just under 1/3 acre. 4 BR, 3 BA, 2,600 SF. Kitchen with granite counters & custom cabinets. Main floor master suite w/huge walk-in closet & bathroom. Grounds & garden must be seen to appreciate. Storage throughout. Terrific location. MLS #1052463

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Samish Island

$750,000

Pvt. Samish Island home w/145’ low bank waterfront. .88 acre lot. Breath-taking views. 2,330 SF, 2+ BR, 2.5 BA. Recently updated kitchen w/granite & newer appl. Enjoy clamming, crabbing & boating. Only 20 min. off I-5. MLS #385906

Call Charlie, 708-1415 or Jeannie, 708-9645

Elizabeth Detillion 708-8800

Ivana Wood 770-3550

Mike Welling 540-1341

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Laura Kaestner, Elizabeth Detillion, Wilma Louia, Ivana Wood, Debbie Benjamin & Charlie Boon

Debbie Benjamin 708-8780

Corinne Cartwright 202-2397

Laura Kaestner 441-5099

Jennifer Ohlsen 540-0717

Traci Erickson Property Manager 755-5555

1573018

1573354

SKAGIT PUBLISHING

BURLINGTON

17084 Sockeye Drive, Mount Vernon

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Bedroom sets, entertainment centers, round sofas, coat racks & wooden coat trees, chimney cabinets, pharmacy lamps, painted benches, wooden toys, bar stools and much more!!!

Territory NW T

INSIDE

February 17, 2017


Feature Home From cover:

GOOD NEIGHBORS MAKE GREAT LENDERS

14175 Cove Court, AnACortes

Umpqua’s loan officers are local experts equipped with an array of options for your purchase, refinance or new construction. Plus, we’ll stick with you every step of the way—because that’s what good neighbors do.

Windermere indermere real estate/anac estate/anacortes Properties 3018 commercial ave. anacortes, Wa 360.293.8008 www.anacortesrealestate.com

Contact your friendly Skagit Valley area loan officer today!

Travis Brewer

Piero Rodriguez

Home Lending Sales Manager NMLS 487442 CALL 360-230-2246 UmpquaBank.com/SDeVries

Home Loan Officer NMLS 55324 CALL 360-230-2248 UmpquaBank.com/TBrewer

Home Loan Officer NMLS 1172408 CALL 360-230-2241 UmpquaBnak.com/PRodriguez

Loan products subject to credit approval.

Member FDIC Equal Housing Lender

NMLS #401867

HLD16Q4.1125

1573497

Brown McMillen Real Estate

360.757.6013 800.869.7084 S

BIG

INCOME PROPERTY…Large commercial building

located in Sedro Woolley with 5 tenants and good rental history. A real money maker at just $325,000 #1078482

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SEDRO WOOLLEY…Great location just off Hwy 20. Includes 1.41 level acres of Industrial Zoned land fronting on a paved street with sidewalks, & all utilities available. Older 4 BR home on front of property that needs updating or possibly used as office space. $249,500 #1030907

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Kristen Tuttle Yvonne Brown Galen Kindred Holly Hilts

February 17, 2017

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VACANT LAND…Very nice 1 acre lot that is cleared pasture with wonderful views of mountains near Big Lake area. Surrounded by newer homes with horse stable nearby. Wonderful lot to build, or put a manufactured home on. $150,000 #927385

708-8392 840-4375 770-7083 661-5538

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LOCATED IN CLEAR LAKE…This almost 4,000 SF home has 3 BR, & 2.5 BA. Master on main level, granite countertops, finished daylight basement. Views of Clear Lake, & mountains. In floor heating, 2 car garage, plus 2 bay shop as well. $589,500 #1039790

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BUILD YOUR DREAM HOME…1/3 acre lot with great views of Big Lake & surrounding mountains. Close to golf course, all utilities including natural gas are in the street. Property has slight slope down to the road. Don’t miss out! $75,000 #598013

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Jeff Ingman Shelah Inman Jodi Dynes Fritz Inman

QUALITY CONSTRUCTION…One level home on the 6th fairway of Skagit Golf & Country Club! 2 bedrooms, 2.5 baths, & just over 1,600 SF. Open floor plan, loads of storage, & wood fireplace. New roof 2011, exterior painted 2 yrs. ago, and private backyard. $330,000 #1024702

202-2859 661-0145 333-7783 661-0147

Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

391-5587 661-1500 770-6013 661-4533

SPRING IS NEAR… SO HAVE NO FEAR… LET US HELP YOU WITH YOUR HOME… JUST PICK UP THE PHONE AND CALL US TODAY FOR YOUR

FREE MARKET ANALYSIS Tod LeHecka Jan Scally Dale Owenby

333-1032 421-5160 913-8662

1573527

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w w w. b r o w n m c m i l l e n . c o m • 235 W. Rio Vista Avenue, Burlington

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CYNTHIA AANESTAD 360.610.0120

Seaview home on .72 acre. Classic elegance includes living room with vaulted ceilings & formal dining area. Roomy kitchen adjoins comfy family room. Floor to ceiling windows provide lots of light and frame the lovely view of the rolling front yard & distant water view. Spacious master includes sitting area with cozy fireplace, master bath with jetted tub & oversized walk-in closet. Large patio for outdoor enjoyment. 3 car garage. Del Mar membership includes private beach access. offered at $625,000 / MLs# 1053145

1535460

Susie DeVries

$625,000

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Avoid Getting Soaked

Homeowners don’t want to end up under water, which makes flood insurance a must – here’s what you need

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onsumers purchase homeowners insurance to safeguard their property from a variety of perils, including fire, wind damage, theft, and vandalism. But they often incorrectly assume that a major water hazard – flooding – is included in their coverage. Not to worry, you may think: I don’t live in a coastal area, near a dam or levee, or a region affected by hurricanes. But truth be told, it can flood anywhere affected by precipitation. In fact, heavy rainfall, severe storms, and fast-melting snow are significant causes of flooding, as are wildfires and construction and development that can alter natural paths of drainage. Floods remain the country’s number one natural disaster, accounting for an average of more than $1.9 billion per year in total flood insurance claims between 2006 and 2015; the average flood-related claim today exceeds $46,000, and the top states for flood claims include Texas, South Carolina, Florida, Kentucky, Missouri, Oklahoma, Illinois, Louisiana, Washington, and Indiana. Whether you currently own or are considering purchasing a residence, experts strongly recommend investing in optional flood insurance, regardless of the area. “Typically, property insurance policies do not cover flood damage, and this exclusion is often highlighted in bold letters on the declarations page of each policy,” says Gina Clausen Lozier, Boca Raton, Fla., an associate at Berger Singerman law 4

firm. Therefore, in order to be covered for flood loss, property owners must obtain a separate flood insurance policy,” “Separate flood policies generally provide coverage for losses caused by storm surges of tidal water that result in flooding, or the overflow of water from an inland body of water.” Flood insurance may actually be required if three conditions are met: you buy a property located in a federally designated special flood hazard area, your community participates in the National Flood Insurance Program (NFIP), and your home is or was financed by a federally regulated lender or backed by Freddie Mac or Fannie Mae. Homes located in these high-risk areas have at least a one in four chance of flooding over the course of a 30-year mortgage; but even moderate-to low-risk areas submit more than one in five NFIP claims and receive one-third of Federal disaster assistance for flooding. Butch Kinerney, marketing and outreach chief for the Federal Insurance and Mitigation Administration (FIMA), which manages the NFIP, says NFIP flood coverage is offered by a number of private insurance companies or may be purchased directly from the Federal Emergency Management Agency (FEMA). “The first step should be to speak with your current insurance agent to determine if you can purchase flood insurance from them. You can also visit FloodSmart.gov to review a list of agents selling NFIP flood insurance in your area and to look up an estimate of the flood risk for your structure,” says Kinerney, who additionally suggests visiting msc.

RE-Weekly.com

fema.gov to review the Flood Insurance Rate Map for your area and Ready.gov to prepare your home and family against flood threats. The annual premium charged for NFIP flood coverage is based on the flood risk for your property: the more at-risk your structure, the higher the premium. The average policy premium was approximately $700 in 2015, per the NFIP. “Premiums in minimal to moderate flood zones start as low as $171 per year through a preferred risk policy (PRP). This would provide $20,000 in coverage on the building and $8,000 on the contents for residential buildings that house one to four families as a primary residence without a basement or enclosure,” says Cynthia DiVincenti, vice president of government programs for Aon National Flood Services in Kalispell, Mont. “In zone AE, a high-risk area, a flood policy providing maximum coverage of $250,000 on the building and $100,000 on its contents, for a primary residence, would currently be just under $1,200. This is based on a so-called ‘+1 elevation difference,’ which is the difference between the base flood elevation and the lowest floor elevation.” Kinerney adds that everyone – even when not obligated – should consider purchasing flood insurance. “It is incredibly important that homeowners and buyers understand the flood risk for their homes and businesses and what the cost of repairing and rebuilding after a flood would be,” he says. February 17, 2017


RE-Weekly.com VISIT RE-WEEKLY.COM TO EASILY SEARCH FOR LOCAL REAL ESTATE LISTINGS! EASY TO USE TOOLS & THE MOST UP-TO-DATE INFORMATION FOR FINDING LOCAL REAL ESTATE

american dream real estate services, inc. Rambler in Skyline #1071869 • $347,900 w Ne ting i Ls

Local Professionals Serving our Community

ltco.com

1-844-878-1519

310 Commercial Ave Anacortes 360-299-0565

1-800-870-8571

Trusted Service for over 76 years

5609 Rosario Way, Anacortes 1550045

111 E. George Hopper Rd Burlington Title: 360-707-2158 Escrow: 360-707-2312

Open House 2/18 • 11-2

Fantastic Fannie Mae Homepath Rambler in Skyline. This 4 bedroom 3 bath 1900 sqft house has been fully remodeled and is ready for new owners! NEW: Roof, Gutters, Exterior Paint, Interior Paint, Flooring, Stainless Appliances, Granite counters Fixtures, Water Heater, Furnace & Ductwork, and much more! All set on a large level quiet fenced lot in Skyline, walk to marina and all the amenities of Skyline HOA. Don’t miss this one!!!

1572958

“Fulfilling Northwest Family Dreams” Anacortes Office

1202 Commercial Ave Anacortes, WA 360-588-1515 • adrhomes.net

Like American Dream Real Estate Mount Vernon

February 17, 2017

RE-Weekly.com

Mount Vernon Office

2788 E College Way Mount Vernon, WA 360-416-6500 • adrskagit.com

www.adrhomes.net

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www.WindermereSkagit.com

WELCOME TO WINDERMERE!

WINDERMERE REAL ESTATE/SKAGIT VALLEY IS PROUD TO ANNOUNCE OUR NEWEST BROKER Terri Heyntsen (360) 391-0938 ~ theyntsen@windermere.com As a lifelong resident of Skagit Valley, Terri has a vast knowledge of its people, traditions and ever-changing real estate market. Coming from a background of 17 years in education, working with buyers and sellers as a Realtor made perfect sense. Known as a “people person”, Terri listens well to the wants and needs of her clients as they move toward their ultimate real estate goal, whether it be buying/selling a home, investing or developing, buying land, or finding the perfect vacation get-away.

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VACANT LAND

Highly involved in the community and service organizations, Terri believes in the Windermere Way: high standards for all agents involvement in the community, and giving back. In her leisure time, Terri enjoys cooking, music, traveling, and spending time with her 2 adult children, her husband of 34 years, her 2 cats and her friends and family.

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3434 LeAnne St, MV $398,000 Very lightly used 4,000+ SF, 5 bedroom home. Spacious kitchen w/eating area, granite counters, butler’s pantry & formal dining room. Main level hardwood floors. Covered outdoor living area w/gas fireplace & fully fenced yard is great for entertaining. Upper level features Master suite w/5 piece bath & his & hers walk-in closets, 3 additional bedrooms, laundry & bonus/media room. Call Jamie Yantis, 540-5264 MLS#1072119

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OPEN HOUSE Sun, February 19th, 12-2 OPEN HOUSE Sun, February 19th, 1-3 1218 Denny Place, MV $269,950 Move-in ready 3 bedroom home w/updated tile bath, plus add’l 3/4 bath in utility room. Hardwood floors in bedrooms. Large living room w/new carpet, wood-burning insert. Traditional eat-in kitchen w/nice storage & light. Rec room off kitchen has laminate floors. Immaculate yard both front & back. Fenced back yard, storage shed, and patio. Call Spencer Roozen, 708-0634 or Megan O’Bryan, 708-5817 MLS#1076883

31295 S. Skagit Hwy, SW $345,000 Room to roam. Beautiful 10 acre horse property/mini farm with a desirable 4 bed country home; old milk barn, horse stalls, round pen, outbuildings, detached garage with work space - all nestled in the peaceful North Cascades. Priced to sell fast and AS IS. Call Deborah McNeal, 707-8073 MLS#1074454

18415 25th Dr NW, Stanwood $589,985 Spacious 4 bed, 2.5 bath home w/huge bonus room, located on a 1 acre lot in quiet gated Cascade Peaks neighborhood. Hardwood floors in formal dining room, & kitchen, breakfast area. Formal & informal living rooms. Big, open kitchen w/ granite counters, ss appliances, including gas cooktop & hood. Big laundry/mudroom. French door to large cedar deck. Master suite w/walk-in-closet & tiled 5piece bath. 3 generously sized guest rooms & full bath w/double vanity. Attached 3 car garage. Level yard. Call Spencer Roozen, 708-0634 or Megan O’Bryan, 708-5817 MLS#1078241

Skagit Valley • 1030 E College Way • Mount Vernon • (360) 424-4901 April Axthelm Balisa Koetje Becky Elde Bette Thompson Bill Krieger Brett Johnson Cory Keihn Dave Patterson

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360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-661-3825 360-441-1760 360-708-5030

David Mani Dawn Hardman Deborah McNeal Dick Nord Don Neill Donna Rowell Elizabeth Miller

425-319-7091 360-540-0058 360-707-8073 360-661-6529 360-420-4444 360-708-7984 360-420-3607

George Bellos Geri Cole Harry Ota Hollie Del Vecchio Jake Koetje Jamie Yantis Jim Glackin

360-708-9762 360-391-1614 360-708-3500 360-525-5538 360-466-8045 360-540-5264 360-428-2828

25473 Morford Ct, SW $649,888 Stunning custom home features 4 beds, 3.5 baths, 4,473 SF on 1 acre surrounded by 14 acres of rural reserve. Main level living w/open floor plan, charming kitchen w/pantry, great room, formal dining, & spacious master suite w/double sided fireplace & 5 pc spa bath. Vaulted ceilings, white oak floors, granite, stainless appliances & maple cabinets. Theater room, bonus room, gym, & wet bar. Wrap around. 3 car garage/RV prk. Call Nicole Ganske, 941-8999 MLS#1063718

12413 Downey Rd, La Conner $2,188,000 135 plus acres of prime farm land, with the building rights in place, located north of the City of La Conner. The property is improved with a 4 bed brick home & 2 warehouses. Call Jim or Balisa Koetje, 202-2500 MLS#956070

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Terri has had 15 years of experience in the real estate industry, and extensive real estate education. She has received designations as a Certified Residential Specialist (CRS), an E-Pro, an Accredited Buyer Representative and is a Graduate of the Realtor Institute (GRI).

RESIDENTIAL NE

1600 Alpine Crest Loop, MV $354,000 Beautifully finished Eaglemont cond. End unit features territorial & golf course views & large private deck. Beautiful stainless appliances, hardwood flooring, large master suite on main level. This view condo has 1,890 SF on main & upper levels - large unfinished lower level waiting for a custom build out - all electrical & plumbing in place for large rec room & 2 additional beds. Call Jim Glackin, 428-2828 MLS#1039782

Jim Koetje Karen Beckner Karen Peirolo Karine Anderson Leah Hines Linda Eastman Megan O’Bryan

RE-Weekly.com

360-202-2500 360-840-9455 360-348-0480 360-421-1189 360-428-3012 360-202-4075 360-708-5817

999 Glacier Lane, SW $189,000 River Valley Estates! A five lot plat of app. 10 acres each - this 10 acre property offers a level, cleared 2 to 4 acre building area with an approved drilled well, easy access off of Prairie Road with a private driveway, remainder of the 10 acre property forested, soil logs completed, CC&R’s in place, privacy. Build your estate quality home! Call Jim Glackin, 428-2828 MLS#1067296

Dike Road, MV $228,000 11.7 beautiful acres of level, productive Skagit Valley farmland with Lot Certification! Rare opportunity to build in a picturesque setting providing majestic Mount Baker and peaceful pastoral views as your backdrop. Power, Public Water & Natural Gas in street. Call Elizabeth Miller, 420-3607 or Travis Miller, 420-7291 MLS#940749

Farm to Market Rd, Bow $350,000 Bayview area 10 acre parcel of level pasture land with many allowable uses. A pleasant rural setting & out of flood plain. Minutes to I-5, schools, walking/biking trails, & Padilla/Bayview State Park. This property has 2 development rights as per Skagit County Planning Department buyer to verify. Call Warren Bingham, 770-2421 MLS#1077908

12481 Persons Rd, Bow $779,000 Breathtaking 8.94 view acres featuring PUD water, power, 4 bed septic permit & completed critical area review. Western sunsets, views of Padilla Bay, Olympics & the San Juan Islands are just a few of the magnificent features. Build your estate on one of Skagit County’s prime locations. Call Linda Eastman, 202-4075 MLS#1035765

North Cascades • 520 Cook Road Nathan Loeb Nicole Ganske Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Shelly Hanson Spencer Roozen

360-333-7197 360-941-8999 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-420-2565 360-708-0634

Tahlia Honea Tasha Zahlis Terri Heyntsen Tessa Jarvis Tiffany Danley Travis Miller Warren Bingham

360-333-5815 360-391-5075 360-391-0938 360-503-1939 360-298-4857 360-420-7291 360-770-2421

February 17, 2017


www.AnacortesRealEstate.com RESIDENTIAL

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3829 Copper Pond, Anacortes

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floor plan with 3 beds, 2 baths and an open and airy floor plan. Designed around a great room concept with vaulted ceilings, an oversized kitchen w/large island counter and ample

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storage space, dining area with gas fireplace and a light and bright living room. Master

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suite with walk-in closet and full bath. Two car garage with built-in shelving and an optional/

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Navigating the rental market can be overwhelming. Let Windermere Property Management alleviate your worry. We offer full-service property management with a strong commitment to quality and accuracy. Or, do you need a tenant but don’t want full-time management? Ask us about our lease only services as well!

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www.RentalsWPM.com Anacortes (360) 588-6016 | Mount Vernon (360) 428-3012 Sedro-Woolley (360) 503-1939

d • Sedro-Woolley • (360) 856-4901 Bill Robillard Bob Hyde Carla Keel Caroline Baumann Catherine Mers Christine Cleland-McGrath Cheryl Frazier Colleen Craig

February 17, 2017

360-770-4707 360-661-0756 360-770-0743 360-202-7327 360-982-6831 360-708-0267 360-202-4789 360-770-9638

394 Chilkat Pl, La Conner $245,000 Very desirable private tucked away lot at end of cul-de-sac. Light and lovely single level home built in 2003 with skylights & 10’ ceilings. Spacious gourmet kitchen open to dining room with french doors to back patio. Large master suite with door to patio & large walk-in closet; bath features jetted tub & bidet. 3rd bedroom has been used as den. 660 square foot garage with shop area. Enjoy Shelter Bay amenities including golf, swimming pools, clubhouse, tennis courts, parks, and marina. Jackie Stone 360.661.2247 MLS# 1073735

10989 Josh Green Ln #4, La Conner $750,000 Rare opportunity to own this one of a kind premier boathouse at the Gateway to the San Juans. Unique & impressive design, the interior well is 85 X 24 and can accommodate up to 90+-’ yacht or several smaller boats. Top of the line galvanized steel construction, concrete float design, private gangway access, remote control roll-up boat doors plus mezzanine level that can be finished into office. Located at the jumping off point to the best cruising waters in the US & Canada. Debbie Macy 360.391.2422 MLS# 964734

1812 40th Ct, Anacortes $469,000 Nelson Meadows is centrally located near schools, forest lands, and easy access to Whidbey. A brand new craftsman home with plenty of space. Open floor plan with a master suite on the main level. Two bedrooms, a full bathroom, plus a bonus room located upstairs. Gas fireplace, wood floors, granite counters, and stainless appliances. This home has it all. A large level lot with plenty of sunlight. Come see it, and choose those final finishes. Christine Cleland-McGrath 360.708.0267 MLS# 1076991 1018 Longview Ave, Anacortes $269,000 Great potential! This 3 bedroom, 2 bath home sits on a 9000 square foot lot in a great location. Spacious master, bath and walkin closet are newer additions to the home. Kitchen has also been updated. Large deck off kitchen, fully fenced and basement/shop area with outside access. Garage sits on platted City street and needs repair - do not enter. Home is an estate and being sold as-is. Bring your remodeling skills and return this vintage home to its original charm. Cynthia Aanestad 360.610.0120 MLS# 1038220 2011 Skyline Way #TD042, Anacortes $219,000 Skyline Marina secure moorage for 70 foot open condo slip 60 foot long with a 10 foot overhang x 28’ wide. easy access to this slip. Bow in Starboard side tie. Wide open approach for easy maneuvering. Secured gate access, electricity (30 amps) & water available at dock. Laundry, showers, boat lift, repair facility, store & gas dock in marina. Kathy Rogers 360.941.4400 MLS# 904269

removable ramp for easy access. Glass slider opens to the private backyard. Colleen Craig 360.770.9638

MLS# 1047425

LAND NHN March’s Pt Rd, Anacortes

$135,000

110 feet of frontage along South March’s Point Road. This parcel has lot certification with Skagit County and is in the City of Anacortes Urban Growth Area. Utilities in the street. If annexed into the city, sewer would be available. Zoned Heavy Manufacturing. PSE has easement for overhead power lines. John Prosser 360.202.3891 157 Center Isl, Center Isl

MLS# 962976 $65,000

Very pretty, private lot in a great location with a possible expanded water view. All utilities are on site and a nice cleared building area is ready to go. The sunny site is ringed by beautiful fir trees and a decorative curved driveway hides you from the road. For a full-priced offer, seller will also include a licensed mooring buoy. Located above the community center with easy access to docks, clubhouse, caretaker, airstrip and beaches; and only a 25 min boat ride from Anacortes! DSL avail Sarah Jones 360.333.2783

MLS# 977465

Anacortes • 3018 Commercial Ave • Anacortes • (360) 293-8008 Cynthia Aanestad Debbie Macy Donna Cunningham Gina Davis Jack Dixon Jackie Stone Jeannine Reinig Jessica Notaro

360-610-0120 360-391-2422 770-335-7513 360-708-7794 360-941-5000 360-661-2247 360-724-8555 360-202-1441

Joan Handelmann John Prosser Judy Moore Kathy Rogers Kristi Gabrielse Kim Wilson Leigh Zwicker Linda Macy

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360-202-4800 360-202-3891 360-770-3515 360-941-4400 360-420-3119 360-333-2490 360-333-9975 360-708-8284

Margi Houghton Nate Scott Paul Weisz Rebecca Chamberlain Rick Bennett Rob Skelton Sarah Jones Tracy Peterson-Foy

360-202-0041 360-708-2354 360-391-7281 360-421-5021 360-202-2630 360-488-3776 360-333-2783 360-708-1833

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$395,000

Efficient Copper Pond rambler boasts an open

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Too Thin to Buy? Question:

My lender says we have a “thin” credit file and because of that cannot be considered for many mortgage programs. Apparently we are being penalized for avoiding debt and paying cash. What is “thin credit” and how do we make it, um, fatter?

Answer:

Lenders are in the business of making mortgages, but they have a dire fear of risk so before they write a check, they want to be certain borrowers are financially qualified. This is done in large measure by looking at a number of standard factors such as income, debts, assets, and credit. For most of us, credit is proven with credit reports and credit scores. However, a large number of individuals are outside the credit scoring system. According to the Consumer

Financial Protection Bureau, about 45 million people are credit invisible or credit un-scorable. By “credit invisible” the government means people who don’t have a credit report and are off the credit grid. “Credit un-scorables” are individuals who have credit reports, but the data is so old or sparse that it can’t be scored. Because un-scorables present so little data their credit reports are said to be “thin.” There are several ways around the problem of thin credit reports. First, get a few credit cards – say from a gasoline company or a department store. Pay the balance in-full and on-time each month. Second, ask lenders about non-traditional credit options. The fact that someone lacks a full credit report does not necessarily mean they’re a poor credit risk. Maybe they prefer to pay bills with cash. Maybe they don’t trust banks. Maybe they believe avoiding debt is the route to sound finances. Or, imagine someone with a good job who lives with their parents – there may not be any visible rent or utility payments. Borrowers may be able to document credit

Q& A

ASK OUR BROKER By Peter G. Miller

by using 12 consecutive months of canceled checks to show regular payments for such things as rent, insurance, childcare, utilities, cell phones, and cable TV. To meet the underserved market represented by those without credit standing the lending industry is increasingly open to non-traditional credit. For example, last summer Fannie Mae said when two people jointly purchase a property the “borrower with a credit score will no longer be required to contribute more than 50 percent of the qualifying income,” meaning that a borrower without a credit score now can be the bigger wage earner. Nontraditional lending standards are evolving and becoming more broad-minded; so don’t panic if you have a thin credit file. For additional information speak with local lenders.

I AM A REALTOR®

And an active part of my community.

Allen Workman

John L Scott Real Estate, Anacortes

Recipient of the NPSAR Monthly “I AM A REALTOR®” Award As the current President of the Kiwanis Sunrisers and before as a member, you can find Allen selling coupon books at The Market, and working tirelessly at the Kiwanis Christmas tree lots each December. He serves on the Anacortes Chamber of Commerce Board of Directors and he volunteers his time where needed, including serving on the Economic Development Committee. Allen also served on the Citizens Advisory Committee for the Anacortes High School, putting in countless hours towards the remodel of Anacortes High School and the completion of the new stadium. Outside of the organized efforts, he fills bags of food for the Salvation Army “A Simple Gesture” program, a non-profit volunteer driven organization with the goal of feeding the hungry in Anacortes. Besides having 5 grandchildren whom he would do anything for, Allen never passes kids selling lemonade, Girl Scouts, Campfire Girls, Boy Scouts or any kids selling anything without supporting their causes! You never know, sometimes the smallest gesture, can go the longest way. “I love my community, and I am a REALTOR®”

Allen Workman

North Puget Sound Association of REALTORS®

525 E College Way, Suite J • Mount Vernon, WA 98273 • 360-416-4902 Mission Statement: North Puget Sound Association of REALTORS® advocates for REALTORS® and their clients and promotes the protection of property rights.

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Rules for Today’s Buyers

Author and expert Ilyce Glink offers her top tips for smart buying Whether you’re a first-time buyer or ready to trade-up, Ilyce Glink, author of “100 Questions Every First-Time Homebuyer Should Ask, 3rd Ed.” (Three Rivers Press, 2014), offers these must-follow rules for buying a home in today’s market:

1

Understand the relationship between income and house price Look beyond your income when buying a house; you also have to assess the incomes of homeowners in the neighborhood of choice, which will help determine where the housing prices in the area are going.

2

Learn to forecast your income As a potential homeowner, you must consider all possibilities when it comes to your income. It may rise, but it also may stay flat.

3

 uy your house as a B home to be lived in, not an asset to be leveraged Due to economic uncertainty, your home may not enjoy any appreciation over the next five to 10 years, so make sure when you buy your home, you’ll enjoy living there.

February 17, 2017

4

 ocus on income if you F want to invest in real estate It’s important to focus on how much income an investment property will generate, and not solely on price appreciation or the tax loss you’ll generate from depreciation.

5

Rethink the concept of location Over the next few years, it may not pay to be a traditional real estate pioneer, settling in a new or regenerating neighborhood with the expectation of outsized returns at sale. Rather, pick those close-in neighborhoods that will see their return and grow more quickly.

6

 now that all new K construction is not created equal It may not make financial sense to pay a higher price for a nearly new home rather than paying much less for an existing home that can be fixed up.

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2009 wOODRiDgE AVENUE, MOUNT VERNON

Custom, 3 bed/1.75 bath beautifully appointed 1,600+ sq.ft. home featuring, ceramic tile backsplash in kitchen, tile floors in entry and bath; vaulted ceilings, skylights, hardwoods and walk-in closet. Fully fenced and walk-in closet. Fully fenced yard offers covered deck, garden space and fruit trees. Garage with 200 amp service, extra storage and work bench. Danya Wolf MLS#1073807

ICE

R WP

NE

$368,500 63 willOw lANE, MOUNT VERNON CE

RI WP

NE

$250,000 Permit-able for inhome business. Roomy, 1,700 sq. ft. 3 bedroom, 1 3/4 bath 1 1/2 story home on spacious 1/3 acre lot in convenient location. Updated interior, country kitchen, charm of yesteryear. Easy access to everything! Shopping, schools, bus line and medical. Zoned for possible in-home business. Plenty of parking, including for RV. Nicely fenced back yard with fruit tree and other trees. MLS #1008048

Danya Wolf

360-708-8294

360-708-8294

23786 kAMlOOp cT., MOUNT VERNON

$150,000

1238 TOlEDO ST, BElliNghAM

Large lot in Nookachamp Hills Community. Beautiful country setting overlooks a private lake for you to enjoy. Less than 10 minute drive to the city of Mount Vernon. All utilities are stubbed to the Yolanda Sakuma lot. MLS #1059504 360-421-0435

13813 STATE ROUTE 9, MOUNT VERNON (5 AcRES)

1804 BAkERViEw cOURT, EAglEMONT

Mount Baker view from one of the premier large lots (10,972 Sq. Ft.) in beautiful Eaglemont! Builder/Owner will build for you or bring your own builder! All utilities are in and ready for you to build. Complete set of plans for a beautiful home on this lot is negotiable. Builder completed 1806 and 1808 Bakerview Ct. MLS #848246

360-391-0746

$239,000

Beautiful view property, ready for you to build your dream home. PUD water, power and 3 bedroom septic surrounded by a circular driveway or continue on to another wonderful building site - cleared, level, and with spectacular mountain view! New gravel road is partially paved. Good access from Highway 9 for easy driving i n t o proper ty. I-5 minutes a w a y. Watch for Carla Fischer Celia Miller signage. 360-982-0010 360-391-6065

$359,950 Partial bay and city view. 4 bedrooms, 2 full bathrooms. Master bath has walkin handicap tub and extra vanity, tile floor at bath and kitchen, stainless appliances, dishwasher, range, refrigerator, washer and dryer stay with house. Gas fireplace, Oak floors, 2 large decks, storage building at back of house. Located near schools, event locations and shopping. Joan Boudreau MLS #1040211

17714 kiNgFiShER cOVE lANE, Big lAkE

Congratulations on Your New Home!!

$165,000

John Hunter

360-202-3854

$950,000

Waterfront home with 75 ft of lake frontage with private dock! Custom Spanish Style home w/ sweeping staircase up to luxurious master suite. Kitchen with granite and sub-zero refrigerator; radiant heat; skylights; vaulted ceilings; surround sound; built in vac; rec room and bonus/storage room. Fantastic views from choice of 3 decks!. MLS#1007986

Danya Wolf

Carla Fischer

360-708-8294 360-982-0010 Danya Wolf 360.708.8294 Suzanne Jenkins 360.941.2983 Brett Tacker 360.840.7931 Sandy Everett 360.202.3706 JoAnn Boudreau 360.391.0746 Celia Miller 360.391.6065 Donna Kurras 360.770.7596 Elva Hunter 360.202.3086 John Hunter 360.202.3854 Russ Lanker 360.708.1117 Shirley Bertholf 360.840.1863 Carla Fischer 360.982.0010 Yolanda Sakuma 360.421.0435 Patricia Box 360.941.9186

3780 E. College Way, Mount Vernon

MLS #1014931 360.424.0300

www.skagittraditionrealty.com 12

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