Real Estate Weekly | January 2, 2015

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

INSIDE RE-Weekly This Issue A HOUSE DIVIDED P. 4

5 HOUSING PREDICTIONS FOR 2015 P. 8

Q & A: ASK OUR BROKER P. 9

Custom Fir Island Home FEATURE HOME:

SEE PAGE 5 FOR MORE

19195 Dry Slough Rd., MOUNT VERNON Bill and Jannette Krieger, Windermere Real Estate/Skagit

RealEstate weekly

A supplement to the Skagit Valley Herald and the Anacortes American

$524,900 (360) 421-4446

CLASSIFIEDS P. 1011

JANUARY 2 - 8, 2015

Re-Weekly content sponsored by: Heritage Bank

TABLE OF CONTENTS A House Divided

P. 4

5 Housing Predictions for 2015

P. 8

Q & A: Ask Our Broker

P. 9

Classifieds

4

P. 10-11

You Find It, We Fund It.

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Our home loans fit just about every need and they come with extremely competitive rates. For more information, stop by any Heritage Bank Office. Or just give us a call.

SKAGIT PUBLISHING

MEMBER FDIC

Anacortes (360) 299-4816 Burlington (360) 757-5073

PAGE

Mount Vernon (360) 757-5073 Sedro-Woolley (360) 757-5073

www.heritagebanknw.com

To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2014 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

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 S ERM information provided by advertisers.

RT

NE OW

Territory NW

Go to our website for a quick and easy way to search all listings!

320 S Burlington Blvd • Burlington www.SkagitValleyRealEstate.com (360) 755-9494 • (800) 775-0153

Thank you to everyone who made 2014 a huge success!

Wishing you a healthy & prosperous 2015!

Wilma Louia Designated Broker/Owner 661-1631

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Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

Corinne Cartwright 202-2397

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Maggie deSouza 610-8413

Ayla Contois 610-1652

Kenny Sides 982-3400

Shelley Sides 472-1873

Kristi Boyd 708-0332

Steph Vervaart Property Mgmt Assistant

Traci Erickson Property Manager 391-2969

January 2, 2015

SANDI RILEY

SMARTER. BOLDER. FASTER.

North Homes Realty Inc. 360.424.2100 • www.century21northhomes.com OPEN HOUSES SAT. & SUN. 12-3: 410 Manito Dr. Mt Vernon $264,500, 3 bdrm, 2.25 bth SUNDAY 12-3: 17334 Red Hawk Ct. Mt Vernon $329,900, 3 bdrm, 2.5 bth 40118 State Route #20, Birdsview $205,000, 3 bdrm, 2 bth For details & directions,

visit openhouse.com

$399,000

MLS#475271

• 5400 sq ft • Commercial property • I-5 visibility • Centrally located

$259,900

SOLD

410 MANITO DR, MOUNT VERNON

• Oversided lot • MIL potential • Lg extra bonus room • Lg deck & patio

$130,000

$244,900

MLS# 693355

OPEN HOUSE SAT. & SUN. 12:00-3:00 SHELLY C. 708-4377/ SANDI R. 770-8670

3719 SWAN ROAD, MT. VERNON

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OP

• Beautiful Craftsman • 2034 sq ft • .57 acre lot • 3 bdrms, 2.5 bths

$205,000

MLS#648036

• Shy 1.5 acres • Very nice 3 bdrm • Shop • Workshop • Mtn views Anita Kohl 961-7795 Arlene Vonachen 853-6429 Barb Gent 206-681-0909 Connie Moulaison 770-1341 Dawn Hardman 540-0058 Duane Gish 770-9299

$537,000

CALL SANDI R. 770-8670

Kick off your resolution right!

MLS#696032

• Stunning custom • 2700+ sq ft, 3 bdrms • Shop • Organic garden

George Herner 840-3743 Jackie Lindeman 770-9080 Karl Morse 395-5405 Larry Lundeen 982-0447 Margie Ernst 708-3198 Maria Mendoza 610-3309

$449,000

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$205,000

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OPEN HOUSE SUN. 12:00-3:00 CALL LARRY L. 982-0447

• ATTACHED HEATED SHOP + LG. DETACHED GAR/SHOP + DOUBLE CARPORT! • 3 BD., 2 BA. “MARLETTE” , COZY WOOD STOVE, F/A HEAT • PRIVACY PLUS W/1.44 ACRES, MTN. VIEWS

3770 SOUTH BAY DR., “LK. WHATCOM” ALGER/S.W. $695,000 SO

LD

!

MLS#671223

NEW YEAR, NEW CAREER!

MLS#726486

OP

OPEN HOUSE SUN. 12:00-3:00 CALL ARLENE V. 853-6429

2018 32ND. STREET, ANACORTES $244,500 H GS

40118 STATE ROUTE #20, “BIRDSVIEW” CONCRETE H 2S

• LOVELY NORTHWEST CRAFTSMAN , “REAL” WOOD FLOORS IN DINING & LIVING ROOM W/GAS FPL. • SPACIOUS KITCHEN W/ GRANITE COUNTER TOPS & STAINLESS APPLIANCES, ATTRACTIVE MASTER SUITE ON MAIN FLOOR • TOTAL OF 3 BEDROOMS, 2.5 BATHS, FAMILY RM. & 2 DECKS, GREAT COMMUTER LOCATION!

• 2 bdrm duplex • Coupeville area • Spotless • Private backyard

$329,900

LIS

• OVERSIZE DOUBLE GARAGE/SHOP + HUGE DETACHED NEWER SHOP! • 3 BD., 2.5 BA., 2000+ SQ. FT., GAS HEAT, 2 GAS FIREPLACES • PARKLIKE 1/3 ACRE W/CIRCULAR DRIVEWAY, R.V. PARKING

MLS# 664877

• Gated park • 3 bdrm + den • Newer roof • Patio and yard

$245,000

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Sandi Riley 770-8670

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MLS#713004

• Open floor plan • Updated kitchen • 1/3 acre • Finished basement

17334 RED HAWK COURT, MT. VERNON $329,900

MLS#714364

• Large sunny lot • New roof • Huge detached garage • Updated

$298,500

$264,500

OP

H GS

• 3 bedroom, 2 bth • Convenient location • Shop • Large lot

$58,000

770-8670

North Homes Realty Inc.

CALL SANDI R. 770-8670

• EXCELLENT SHOP/GARAGE, 2 MORE OUTBUILDINGS, LG. YARD • 3 BEDROOMS, 1.5 BATHS, BONUS/FAMILY ROOM • NEWER COMP. ROOF, NEWER GAS FURNACE, NEWER VINYL WINDOWS!

• APPROVED 1 BD., 1 BA. “IN LAW” APARTMENT + 3 BD., 2.5 BA. RAMBLER! • DETACHED HIGH DOOR R.V. GAR/ SHOP, ATTACHED 2 CAR GAR. • NEW BAMBOO FLRS., CARPETING & PAINT, 2 GAS FPL., MUCH MORE!

CLOSED SALE

9723 SAMISH ISLAND ROAD, “BOW” $225,000

2617 N. 34TH PLACE, MT. VERNON $244,500

2408 CROSBY DRIVE, MT. VERNON $327,500

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Call Today: (360) 542-2121

Marlene Deasy 661-6720 Mel Strickland 206-948-4392 Mike Newman 708-1419 Rick Kiesser 770-1195 Sandi Hocking 708-1523 Sandi Riley 770-8670

Sharon Stokes 661-6164 Shelley Camacho 708-4377 Tamara Cooper 630-9127 Traci Cypher 708-9481

CLOSED SALE

Veronica Lopez 420-0696

CLOSED SALE

Brown McMillen Real Estate

CLOSED SALE

360.757.6013 800.869.7084

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

SALMON FEVER..catch fish from your front yard! Nice 3 br Rambler w/lg fully fenced yard, fronting on the Samish River. $229,500 #654408

BURLINGTON RAMBLER..3 Br, 2 Ba & 9’ high ceilings. Spacious kitchen w/Island & granite countertops. $244,500. #725729

PARK LIKE SETTING..Beautiful 3 Br, 2872 sf Rambler on private 1 1/2 acres. Huge family room, lovely & spacious living/dining rm, 2 car garage. $325,000. #576444

COUNTRY CLUB RAMBLER W/SHOP..4 Bdrm, 1 3/4 Bath. 2483 sf home. Beautiful kitchen, maple cabinets.

Finished 1700 sf shop. $459,000 #473037

BURLINGTON OFFICE BLDG..great exposure one block from Brl Blvd., close to I-5. Cape Cod style, & remodeled offices, lg conference center. $385,000. #607656

PRIDE OF OWNERSHIP..gorgeous 2 story w/unfinished basement. Office w/french doors, high ceilings, painted millwork, granite counters, mstr on main. Great neighborhood $389,500. #714504

CUSTOM BUILT..Skyridge home..4802 sf 3 Br, 3 1/4 Ba, one level, fully finished daylight basement. Ceramic flrs, beautiful kitchen. Lg living & formal dining rm. Lots of privacy. $479,500. #678806

3 BEDROOM RAMBLER..built in 2003 w/new carpet just installed. Fully fenced yard & 5 min. from freeway. $199,950. #680073

LARGE MT. VERNON HOME..2600 sf edge of town living, wonderful sunset views of the River & Sound! 3 Br., 2 Ba, 2 car garage. $259,000. #709803

DUPLEX LOTS IN BURLINGTON..very nice 2 lots to build your own Duplex. Lot 2 & 3. $69,000. #694493

BUILDING LOT IN MT. VERNON..South end of Mt Vernon, Lg private lot at end of road. $49,000. #694415 LARGE MOUNT VERNON LOT!..edge of town living off Francis Rd., .32 acre lot has Sound and Island views to enjoy with your new home. $78,000. #709836 DOWNTOWN MOUNT VERNON..excellent 2 story office/ retail bldg. Separate entrances allow multiple tenants, great opportunity. $430,000. #658726 UNBELIEVABLE BARGAIN..for 60 acres of Timberland just 3 miles east of Sedro-Woolley. $89,500.#600933

Ron Wortham 661-1500 David Parsons 391-4008 Mary Jo Reitsma 770-6013

January 2, 2015

GENTLY SLOPING..full acre bldg site with valley and mountain views. PUD water available! $124,500 #722417

READY TO GO..This 33,750 sf level lot on Collins Rd. has an installed 3 Bedroom septic system & PUD water available. $92,500. #723271

GREAT PLACE TO BUILD..full acre lot at end of cul-desac with PUD water and nice views. Located near Big Lake $119,500. #722478

56 WOODED ACRES..w/paved road frontage . High land across from Skagit River w/beautiful views. $119,500. #601056

Shelah Inman Fritz Inman Terri Heyntsen

661-0145 661-0147 391-0938

Jodi Dynes Tim Reichert Tod Le Hecka

333-7783 391-5587 333-1032

RE-Weekly.com

Galen Kindred Holly Hilts

LEVEL 4 ACRE PARCEL..zoned Multi-family within the City of Mt. Vernon. Potential for various housing development, close to college, schools & medical. $180,000. #693883 GORGEOUS CUSTOM CRAFTSMAN home just completed on an acre on Bow Hill. Over 2500 sf, 3 Br, 2.5 Ba, lots of built-ins, beech cabinets + 3 car garage. $485,000. #409469

770-7083 661-5538

Jeff Ingman Jan Scally

202-2859 421-5160

3

A HOUSE DIVIDED Divorce can be a difficult process – especially when real estate is involved. Here are strategies to ponder If you’re planning to divorce and divvy up your properties

T

hey say breaking up is hard to do.

But it’s even harder when a couple seeking a split own a home. As a house obviously can’t be physically divided up 50/50 Solomon-style, it’s important to know what to expect regarding real estate matters during and following a divorce, say the experts.

Your goal is to come to a mutual agreement with your spouse on how divvy up your assets, including your house, without having to go to court – which can be messy and expensive and result in one or both parties feeling shortchanged.

In the beginning of the process, David Bulitt, an attorney in Rockville, Maryland, recommends 4

that each party should: Make a list of any real property (for example, the principal residence plus any vacation homes) that they and/or their spouse own.

Determine whether your real property is: • Marital, meaning it was acquired by one or both parties during the marriage • Non-marital, meaning the property was brought into the marriage by one party or acquired through gift or inheritance • Potentially a sort of hybrid – for example, if one spouse “gifted” the home to the other during marriage.

Locate the deed to these properties to learn how these properties are titled.

Gather any paperwork concerning loans – mortgage, home equity, etc.

– to review whose names are attached to the debt.

Next, it must be determined if the home will be sold or if one party wants to remain in the home, if able to. With the former option, if the home has a mortgage, monies from any equity accrued are usually split up equally after the home is sold and the lender is paid off. With the latter option, the spouse that remains usually has to buy out the other partner’s equity share, assume the mortgage (commonly done via a refinance), and then have the title signed over to him/her.

“If the party who wants to stay in the

home cannot afford to refinance, special factors need to be considered,” says Rebecca Zung, a Naples, Florida, attorney.

“That person can agree to be solely responsible for the mortgage payments, execute a hold harmless clause, and indemnify the other person if they don’t make the payments. “This way, if the first party defaults on payments, the second party has the option of making the payments and thus can preserve his or her credit rating and not have to worry about the bank coming after him or her and will have recourse to get reimbursed from the defaulting party.”

Nathan Embrey, a real estate agent in Cincinnati, notes that if the home

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is to be sold and there is not enough equity in the home to pay off the mortgage, both parties may want to pursue a short sale of the home.

“Lenders consider divorce a valid hardship and will allow a short sale, which can minimize damage to credit and resolve the unsold property issue quicker,” says Embrey.

Other property settlement aspects also will need to be carefully strategized by both parties and their representatives.

“Illustrate all settlement scenarios possible, and include all financial aspects, such as support issues, assets and liabilities including retirement plans, as well as the disposition of

the matrimonial home,” says Vickie Adams, a certified financial planner and divorce analyst in San Pedro, California.

“These include property equity, tax implications, and market conditions for possible sale, in addition to family living issues.

“Divorce is usually not fair,” Adams adds. “But once you are armed with all the financial facts, try to take a big picture view regarding your settlement. Decide what is most important to you, let your mediator or lawyer negotiate those items for you, and be prepared to let the rest go.”

January 2, 2015

FEATURE HOME FROM COVER:

NOW COULD BE THE TIME TO SELL A NEW HOME AND EARN A SLICE OF THE REAL ESTATE PIE Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people.

“When sellers are interviewing real estate agents to market their homes, their primary focus is usually on the advertising that the agent will offer them,” says Jessica Goodbody of Weichert Realtors.

Let us help you meet your marketing goals by advertising your listings in print and online with RE-Weekly.com.

19195 DRY SLOUGH RD, MOUNT VERNON

$524,900

Windermere Real Estate/Skagit 1030 E. College Way Mount Vernon, WA 360.424.4901 www.SkagitValleyHomes.com

Incredible home and 5-stall barn on 2+ acres! Sitting high on a rock ridge; no flood insurance required! This elegant home has a formal living room; a family room with a built-in media center; a dining room with coffered ceiling and a Butler’s pantry; a Chef’s kitchen with granite countertops and beautiful cabinetry; and a deluxe master suite. Paving stone patio, above ground pool, greenhouse and a pastured area; all with a spectacular valley and Mt. Baker views! MLS #719067

IN PRINT AND ONLINE

CALL OR EMAIL TODAY! 360.416.2180 ads@skagitads.com

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Bill & Jannette Krieger 360.421.4446

Custom Fir Island Home

Your Dream Home.

Our Skagit County Home Loan Team.

Brett Lloyd Anacortes NMLS# 493147

www.peoplesbank-wa.com/homeloans

January 2, 2015

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Carolyn Lloyd-Whitney Holly Peterson Mount Vernon Mount Vernon NMLS# 487364

NMLS# 526854

Jennifer Thompson Mount Vernon

Lynda Nelson Mount Vernon

NMLS# 487362

NMLS# 522402

5

www.WindermereSkagit.com RESIDENTIAL 41417 CENTER ST, CONCRETE

$102,000

2 parcels provide ample room & secluded privacy for this 1 bedroom cabin with a 12x16 guest cottage.

Cabela light fixtures, new roofs, hardy board siding, 200 amp panel, leaf relief gutters, & a security system. 10x14 shed on a concrete slab & a 12x16 Tuff Shed. Call Deborah McNeil, 707-8073 #680234

720 BINGHAM PL, SW

$179,900

23217 STATE ROUTE 9, MV

$269,500

Updated 3 bedroom home with newer windows, sliding glass doors, carpeting, appliances, light fixtures, beautiful free standing oil Godin stove & more. Huge fenced back yard with approx. 485 SF gazebo, mature evergreen trees & outbuilding.

New roof Sept. 2010. Call Linda Eastman, 202-4075 #718439

No-bank waterfront property. 4 parcels, 2 building lots. 1 bdrm, 1 bath park model w/ lots of storage.

Covered porch, bath house w/ shower & utility hook-ups, covered patio & 2 docks. More info at SkagitValleyHomes.com Call Bill & Jannette Krieger, 421-4446 #679914

Fannie Mae property is a home that was turned into a Day Care. Endless possibilities for this 1000+ SF property, use it as a Day Care, Office building, Salon or private residence. This property qualifies for HomePath Mortgage. Call Tasha Zahlis, 391-5075 or Karine Anderson, 421-1189 #677922

3120 HUDDLE RD, SW

47794 STATE ROUTE 20, CONCRETE

835 S. PINE ST, BURL

41701 NORTH SHORE LN, CONCRETE

44942 STATE ROUTE 20, CONCRETE

$119,900

$136,000

Sharp 2 bdrm home boasting a remodeled kitchen, spacious full bathroom, light, bright living room & a beautifully landscaped large yard. The large yard boasts beautiful mature trees. Detached 1 car garage w/ extra shop space & extra storage too. Call Sarah Minton, 770-3076 #713134

$179,900

Experience all the beauty & tranquility country living has to offer on this 5 acre lot nestled in the foothills outside of Sedro Woolley. 3 bdrms, 2 full baths, 1600+ SF. Home has an Interlock switch for generator power. Call Nathan Loeb, 333-7197 #656533

$195,000

River frontage with your own sandy beach. 3 decks & a fire pit. House is spacious with 1 large bedroom, 1.75 baths, & 1378 SF. nice size living room and kitchen, large garage/shop. Walk out onto the deck & enjoy the views. Call Becky Elde, 770-9427 #676257

We’re comitted to our community, and it shows.

1213 E SECTION ST, MV

$159,900

18219 MONTBORNE, MV

$227,500

Fannie Mae owned home, very nice large fenced back yard, nice sized deck off of dining room facing the lake. View for outdoor entertaining.

4 bedrooms 2.5 baths. New carpeting, & interior paint. Living room with cozy fireplace 2 car garage.

Call Karine Anderson, 421-1189 or Lee Ann Dean, 421-3082 #718941

46303 FOREST PLACE, CONCRETE

17289 COLONY RD, BOW

$167,000

Beautiful home w/ open floor plan, fir floors & original woodwork plus high ceilings. 3 bdrms, 1 bath, plus an office. Large patio entry. Unfinished basement, newer wood stove. Just over half an acre with fruit trees & a fenced yard. Call Becky Elde, 770-9427 #690095

121 N. BALL ST, SW

$178,950

Well maintained 3 bed, 1 bath rambler. This home is updated with new fixtures throughout. Open living room & kitchen, large back yard with a shop & carport. Back yard has fruit trees & plenty of space for a garden. Call Spencer Roozen, 708-0634 #689902

$250,000

Nice rambler on 1 full acre in Bow. 3 bdrms, 1 full bath, 1320 SF. Family room is extra-large with a fireplace. Kitchen looks out to the pasture. Call Becky Elde, 770-9427 #665369

16250 PENN RD, MV

2901 IROQUOIS DR, MV 98273

$259,950

Nice home on a shy .5 acre lot. New interior paint & carpet. 3 bdrm, 2 baths, 1644 SF. Living room w/ freestanding stove, kitchen w/ eating space, dining room & lg. mud/laundry room. Fenced yard w/ patio, garage, shop & garden shed/playhouse. More info at SkagitValleyHomes.com Call Bill or Jannette Krieger, 421-4446 #698871

$309,900

Completely remodeled Thunderbird rambler w/daylight basement! New roof, heating, electrical, plumbing & more. Property sits on a 1/3 acre in a quiet residential area. Cathedral ceilings, granite counters, ceramic, carpet & hardwood flooring. 2 bdrms & master up, 3 bdrms down, 2688 SF. Call Jim Glackin, 428-2828 #701486

1420 DIGBY PL, MV

Hilltop Mount Vernon- 2 bdrm & small bedroom/ office & bath on main floor & master bed/bath upstairs. Ceramic & hardwood flooring throughout. House features laundry, large kitchen with ample counter space, large detached garage with shop space & side yard with a playhouse. Call Jim Glackin, 428-2828 #712406

$279,900

2.26 acres w/ 2 homes, a detached apt, huge 4 car shop & numerous outbuildings. 1st home was built in 1993 3 beds, 2 baths, & 1532 SF, well cared for, new roof. 2nd residence is a 1920 1,100 SF home w/ 2 beds/ 1 bath, newer roof. Lastly a 720 sf 1 rm. apt. built in 1950. Covered RV parking. Call Tiffany or Shawn Danley, 360-298-4857 #711502

$315,000

End unit Townhome. 2 bedrooms, 1 full bath, one 3/4 bath & 1 half bath, 1920 SF. Floor to ceiling windows. Home boasts granite, hardwoods, tile new carpeting, pantry in kitchen, gas fireplace w/ slate surround, private stone patio & attached 2 car garage. Call Lee Ann Dean, 421-3082 #668197

300 N. OAK ST, BURL

$369,500

Turn of the century home offering beautiful millwork & character. Free standing gas stove, formal dining & living rooms. Lg. master suite. Wrap around deck, outbuilding & garage. Exterior access for large attached office w/ kitchen & bath. Great location for possible commercial Business or Residential usage. Plenty of parking. Situated on 3 1/2 city lots Call Linda Eastman, 202-4075 #713580

11369 FOXFIRE LN, SW

18416 VALENTINE RD, MV

17304 OLYMPIC PL, MV

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360-421-4111 360-770-9427 360-421-4446 360-941-9443 360-708-5030 425-319-7091

Deborah McNeal Dick Nord Donna Rowell Elizabeth Miller George Bellos Harry Ota

360-707-8073 360-661-6529 360-708-7984 360-420-3607 360-708-9762 360-708-3500

Jake Koetje Jamie Yantis Jannette Krieger Jeri Lee Jim Glackin Jim Koetje

360-466-8045 360-540-5264 360-708-0233 425-239-1382 360-428-2828 360-202-2500

15782 LARSON LANE, MV

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360-708-1010 360-840-9455 360-421-1189 360-202-5515 360-421-3082 360-202-4075

$565,000

3087 SF home on 9 acres. Chefs kitchen: granite, 5 star stove, 4 X 8 island. Travertine enhances FP, wet bar, & bathrooms. Expansive storage, radiant heat, den/office, 3 bdrms, 5 baths. Upper level bonus room can be possible 4th bdrm. 3 car garage. Call Warren Bingham, 770-2421 #678391

215 LILAC DR, MV

$739,900

Elegant home on .8 ac with full 2nd living quarters. 5 bdrms, 6 baths, 5212 SF. Upgrades include counter tops, refinished hardwood, paint, fixtures & more. Patio, upper view deck, sports court & 4 parking bays. More info at SkagitValleyHomes.com.

Call Bill & Jannette Krieger, 421-4446 #607213

3339 DEER TRAILS LN, BOW

$775,000

Park-like setting w/trails, ponds, & fire pit. Licensed as adult family home & retreat or could be B&B. Main floor has an apartment plus 3 rooms each w/deck access, chef’s kitchen. 10 bdrms, 6 baths, 6600+ SF. Shop & carport. Call Becky Elde, 770-9427 #667328

$450,000

Beautiful home in secluded area. Hardwood floors & the kitchen is very large & open to the dining area, lots of storage. Gazebo has cozy fire pit & power. Stone fireplace & pellet stove to keep you warm in the winter. Vaulted ceilings & large windows. 3 car garage. RV hook ups. Call Becky Elde, 770-9427 #724109

Josh Scott Karen Beckner Karine Anderson Kim Kelley Lee Ann Dean Linda Eastman

$549,500

Beautifully remodeled this well-designed, spacious home boasts westerly views framed by lovely mature landscaping. Gourmet kitchen, elegant master suite & much more. Great location in Skyridge neighborhood.

Call Sarah Minton, 770-3076 #579939

Accountability Matters at Win Call Amie Mani a

NMLS ID# 404665 | WA-CL 713524 Branch Manager / Mortgage Consultant Windermere Mortgage Services Series LLC/Skagit Valley

Windermere Real Estate/Skagit Valley • 1030 East College Way • Mount Vernon • (360) 424-4901 • 1-800-849-7939 Shawn Danley

Balisa Koetje Becky Elde Bill Krieger Cindy Sullivan Dave Patterson David Mani

$529,000

Beautiful 3500+ SF estate home on PRIVATE 5 acres overlooking the LaConner flats & Rainbow Bridge. Built in 1987, this 3 bedroom, 4.25 bath home features all the charm of yesteryear, plus the convenience & low maintenance of a new home.

LaConner school district, not in flood plain. Call Megan O’Bryan, 708-5817 #686925

Margy Furst Megan O’Bryan Nathan Loeb Rita Ingram Robin Lee Luif Sarah Minton

360-488-3458 360-708-5817 360-333-7197 360-708-8338 360-420-2026 360-770-3076

Sherry Johansen Spencer Roozen Tahlia Honea Tasha Zahlis Tiffany Danley Warren Bingham

360-856-4901 360-708-3636 360-708-0634 360-333-5815 360-391-5075 360-298-4857 360-770-2421

January 2, 2015

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www.AnacortesRealEstate.com RESIDENTIAL NE

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908 7TH ST, ANA 1314 33RD ST, ANA

$185,000

Wonderful home of 2 bedrms with new garage & carport. Very recent furnace, hot water tank & roof.

Major items completed & ready for added facelift by future owner. Great neighborhood & near main streets. Some items of furniture will be staying should there be an interest in keeping with the home. Yard is fenced except along driveway. Loft area in garage for storage.

Linda Macy 360.708.8284 MLS# 725967

4511 QUEEN ANN WAY, ANA

2202 10TH STREET, ANA PREMIER NEIGHBORHOOD, ANA

$1,500,000

Architecturally stunning custom estate in Anacortes with spectacular views! A unique, one-of-a-kind property. Thoughtfully designed in a U configuration w-doors that open onto outdoor courtyard. Secluded courtyard is a spectacular “outdoor room”, w-heated pool & outdoor FP! Leigh Zwicker 360.333.9975 MLS# 658245

3813 ROCK RIDGE PKWY, ANA

$373,000

Great large Skyline home features all main level living, beautifully remodeled kitchen with new cabinets, stainless appliances & granite counters. Living/ dining room combination w/ fireplace overlooks sunny south facing yard & has some view of Burrows Bay. Lots of storage.

Debbie Macy 360.391.2422 MLS# 705249704

483 ELDERBERRY, OH

$1,200,000

1920 Tudor Style Brick home overlooking the Guemes Channel. Large 37,570 sf lot w/204 ft on 10th St, allows for another building site. Many built-in features. 4 bd-3.5 ba, hardwood floors, wood-paneled study & views from almost every room. Privacy 12-ft Laurel hedge along the St. John Prosser Jr. 360.202.3891 MLS# 540524

6973 STATE RT. 20, ANA

$279,900

One level home on large corner lot w/Mt. Baker & sound views. Open kitchen, dining & family room w/ gas fireplace plus French doors to back patio where you will enjoy BBQ’s, garden & water views. Master bedroom w/large walk-in closet & door to private patio.

Sarah Jones 360.969.1560 MLS# 701023

1201 CHINOOK WAY. CENTER IS.

507 5TH STREET, ANA

ndermere Mortgage Services at (425) 268-7995

$395,000

Fun no-bank wtft cabin w/shared dock. Sunny & bright w/beautiful water & island views to the south and west. Upstairs loft, round window & cozy sleeping area. The separate studio makes a lovely, quiet master bedroom. Lot is private & has pretty mosscovered rocks & tall evergreens.

Sarah Jones 360.375.6142 MLS# 6244645078

$269,000

A mechanics dream! This property features a 3 bedroom home with a nice 1800 square foot shop/ garage all on 1.93 acres. Shop was built in 1994 and is in great condition with power, water hookup, concrete floors and a metal exterior. Open & sunny ... this acreage has been cleared and slopes gently uphill from Hwy 20. West half of the property is ideal for storing trucks, heavy machinery, boats, RV’s etc. Just minutes to downtown Anacortes & Whidbey Island.

Paul Necco 360.293.8008 MLS# 687097

Adorable bungalow in the heart of downtown.

Minutes to marina, town, & restaurants. Home is updated with new kitchen, paint (ext. & int.), windows, roof & carpet. Move in ready. 2 bedrooms 1 bath. Seller will give $1,700 credit to buyer for landscaping & fridge.

Gina Davis 360.708.7794 MLS# 700686

7404 GUEMES PL, GUEMES ISL.

$248,000

Enjoy island life! Affordable, turn-key, 1296 SF, 2 BD + den manufactured home built in 2007. Beautiful views of the Guemes Channel from most rooms in the house. Watch the boats go by from the covered deck. Great Southern exposure for gardening.

Close to ferry dock!

Margi Houghton 360.202.0041 MLS# 472919

$149,000

Surrounded by the coveted City of Anacortes forest lands, the Rockridge neighborhood enjoys a lush, forested setting with access to miles of trails just out the backdoor. 9,538 sq ft building site with all utilities is ready for your new home. Design to compliment the peaceful surroundings against the lush trees backdrop.

Colleen Craig 360.770.9638 MLS# 627197

1812 10TH ST, ANA

$207,000

$259,000

Rare 6,000 sq. ft. undeveloped parcel in vibrant downtown Anacortes’ Central Business District (CBD) is one-half block off Commercial Avenue.

CBD zoning permits mixed use development (residential above commercial/retail) up to a height of 50 ft. 7-car parking is off adjacent alley & soil test is complete. Be the 1st to execute a 21st Century mixed-use vision in a wonderful downtown environment. + 3,000 sq.ft. parcel w/small office is adjacent and could be incorporated in separate transaction.

Cheryl Frazier 360.202.4789 MLS# 613764

$175,000

Old Town level lot is 75 x 100 with great southern exposure for light and improved alley for additional access. Views are possible from a second story design on this lot! Great location with easy walking distance to town for shopping, dining and entertainment. Build your own home or as an investor consider a duplex on this lot, also allowed as a permitted use.

Colleen Sargent 360.202.2155 MLS# 554188

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291 Bill Robillard Buzz Ely Caroline Baumann Catherine Mers Cheryl Frazier

360-770-4707 360-202-4626 360-202-7327 360-982-6831 360-202-4789

January 2, 2015

Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy Gina Davis

360-770-9638 360-202-2155 360-610-0120 360-391-2422 360-708-7794

Jack Dixon Jackie Stone Jessica Notaro Joan Handelmann John Prosser

360-941-5000 360-661-2247 360-202-1441 360-202-4800 360-202-3891

Judy Moore Kathy Rogers Kristi Gabrielse Leigh Zwicker Linda Macy

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360-770-3515 360-941-4400 360-420-3319 360-333-9975 360-708-8284

Margi Houghton 360-202-0041 Nate Scott 360-708-2354 Paul Necco 360-770-5989 Paul Weisz 360-391-7281 Rebecca Chamberlain 360-421-5021

Rick Bennett 360-202-2630 Samantha Masaoka 360-421-5021 Sarah Jones 360-333-2783 Troy Williams 360-708-4923

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5 Housing Predictions for 2015

STAT PRICED OUT?

400,000 Estimated number of creditworthy borrowers priced out of the housing market in 2013 because of high FHA insurance premiums.

F

Source: National Association of Realtors

NORTH PUGET SOUND ASSOCIATION of REALTORS® 525 East College Way, Suite J

Mount Vernon, WA 98273

Tel. (360) 416-4902

Experts forecast what they see in the real estate market for the coming year

www.npsar.com

ollowing the Federal Housing Tax Credit that drove many new buyers into the market in 2009 and 2010, first-time homebuyers have seemingly gone into hiding.

Just 33 percent of buyers were first-time buyers in 2014 (the historical norm is around 40 percent).

But, housing experts are anticipating first-time buyers to return to the market in the coming year, according to realtor.com’s 2015 Housing Forecast.

“In 2015, increases in employment opportunities will empower younger buyers to return to the market and fuel the continued housing recovery, Jonathan Smoke, a chief economist, said in a statement. “If access to credit improves, we could see substantially larger numbers of young buyers in the market.”

Mission Statement: The Nor th Puget Sound Association of Realtor s advocates for Realtor s and their clients, provides services to help members prosper, and promotes the protection of property rights.

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Here, realtor.com’s Top 5 Housing predictions for 2015:

3. Home Prices Gain 4 to 5% Low inventory levels and high employment1. Millennials will drive driven demand will push household formations. up home prices in the Households headed next year. by millennials will grow significantly, reflecting 4. Mortgage Rates Will economic gains. Over the End the Year at 5% next five years, millenniMortgage rates will als will drive two-thirds increase midyear, as the of household formations. Fed increases its target In 2015, the addition of rate by at least 50 basis 2.75 million new jobs and points before the end of increased household for- the year. While still histormation will drive first-time ically low, rate increases buyer purchases. will affect affordability for first-time buyers.

2. Existing Home Sales Will Increase 8% 5. Housing Affordability Experts anticipate Will Decrease 5 to 10% year-over-year sales to be Affordability will similar to 2012, but with decline, based on homemore “normal” sales of price appreciation and properties and decreased increased mortgage-interlevels of distressed est rates. sales. The majority of activity will be driven by baby boomers prepping for retirement and sales to millennials, who will account for 65 percent of first-time buyer activity.

January 2, 2015

Q&A

ASK OUR BROKER

By Peter G. Miller

Will A New Lease Hurt My Loan?

In your particular situation you want to go from a loan payment to a lease payment and in the process reduce your monthly cost. That sounds like a good idea because the result should be less monthly debt and a lower debt-to-income ratio.

However, before going further, You recently wrote that mortgage ask your loan officer to check with borrowers should avoid new debt the underwriter to be sure the lease when applying for a mortgage. I’m is a good idea. If you get a ruling to eyeing a lease on a new car that go ahead, I suspect the underwriter will lower my monthly car payment will want evidence that the old auto and replace my existing auto loan. debt was paid off and a copy of the Should I wait on the lease car until new lease. after I refinance mortgage?

The reason the lender will want written verifications is that under the federal “ability to repay” rule it must show that the borrower has, In the eyes of loan underwriters, um, the ability to repay the loan. To car loans and car leases are pretty assure that the borrower is qualified much the same thing: regular at the time of application the lender monthly debts. That means such will want to have written evidence payments must be added to your debts for the purpose of calculating that backs up its underwriting decision. Why? Because if the loan your debt-to-income ratio. file is not adequate there are cases But, of course, with mortgage where the lender might be forced to rules there are always exceptions. buy back loans sold to investors.

For instance, the FHA tells lenders To give some idea of just how that “all applicable monthly liabilities strenuous the underwriting system must be included in the qualifying has become consider a recent ratio. Closed-end debts do not report from VirPack, a document have to be included if they will be management company. It found that paid off within 10 months and the 58 percent of all loan applications cumulative payments of all such now include at least 500 pages of debts are less than or equal to 5 material while 20 percent had not percent of the borrower’s gross monthly income. The borrower may less than 1,000 pages of contracts, tax returns and who knows what not pay down the balance in order to meet the 10-month requirement.” else.

Question:

Now could be the time to sell a new home and earn a slice of the real estate pie.

Answer:

Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people.

“When sellers are interviewing real estate agents to market their homes, their primary focus is usually on the advertising that the agent will offer them,” says Jessica Goodbody of Weichert Realtors.

Let us help you meet your marketing goals by advertising your listings in Real Estate Weekly.

Call 360.416.2180 Today!

RealEstate weekly In print and online

January 2, 2015

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goskagit.com

ads@skagitads.com

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On Lake Samish studio apt.

Avail. Jan. 1st-June 15th.

Lrg. kitchen, bath & living room/bdrm, closets, use of lawn, beach & dock. Furniture optional. No smoke/pets.

Refs. $595/mo 360-424-1695

1 - 4 Bdrm Rentals.

Piazza Realty Property Mgmt., Inc. 360-424-RENT (7368) www.prpmrentals.com MV 1 bdrm w/garage, W/S/G W/D provided. No smoke/ pets. $750. 360-708-2167 Our family home on 1/3 acre near Eaglemont. 3 bdrm with large living & family rooms, large fenced backyard. $1400 or ? 360-573-0467

OPEN HOUSE SAT., January 3rd 12 - 3PM

200 N Township, Sedro-Woolley $179,000 BRAND NEW TOWN HOMES! 1,385sf 3 bdrm, 2.5 bath. Great room w/gas frplc. Island kitchen, maple cabinets, stainless appliances. Engineered hardwood main floor. Own for less than rent.

ERIK PEDERSEN 360-391-1935

erikpedersengroup@gmail.com

1989 Fleetwood 28 x 36 Mobile Home, 55+ park, 515 Pacific Pl. #9, Mount Vernon. 3 Bdrm, 1 ½ Ba. $13,000. Call 360-3997488.

27'x54' manufactured home

KELLER WILLIAMS WESTERN REALTY

Image Copyright Monkey Business Images, 2013. Used under license from Shutterstock.com.

CLASSIFIEDS PINE CREEK Open House

4 new rambler models available for pre-sale ranging in size from 1843-2554 sq ft. Stop by the model at 3059 Pine Creek Drive to look at the floor plans!

Ramblers have no-step entry! 3-bedrooms and 3 car garages. Quality high end finishes. Great room & gas frplc.

Open House Saturday 12:00 – 3:00 Sunday 1:00 – 3:00 Or call Val Thomas Preview Properties at 360-333-0562 to set up an appt.

From I-5, E. on College Way, N (left) on N. 30th, 1/4 mi. to Pine Ck.

nurturing our community, together. providing meals, together. stirring the public to act, together.

WHY ADVERTISE IN THE SKAGIT VALLEY HERALD?

YOU HAVE TO FISH WHERE THERE ARE FISH.

WE’RE THE BIG POND. You should be advertising in these tough economic times.

50 million people face hunger in America, even though billions of pounds of food go unused every year. Together let’s work to close this gap.

Please join the Feeding America nationwide network of food banks this Hunger Action Month.

When you get involved, you become part of a national solution while making an impact on your local community. Learn how you can solve hunger today at FeedingAmerica.org.

together we can solve hunger.

TM

Put back into new condition on large Glenhaven lot.

Three bedrooms, 2 bathrooms. New cabinets, appliances, and flooring. 508 Hilltop, Sedro-Woolley. $115,000. Call 360-7088158

10 10- Jannuary 2, 2015

To advertise in the most powerful local media available, call us at 360.424.3251

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REAL ESTATE WEEKLY RE-Weekly.com January 2, 2015

REAL ESTATE RE-Weekly.com January 2, WEEKLY 2015

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January 2, 2015 11 - 11

1606 ALPINE CREST LP #C, MOUNT VERNON

$339,000

4900 MONARCH BLVD, MOUNT VERNON

$242,000

4725 MONTE VISTA PLACE, MOUNT VERNON

$372,500 2410 CRUSE RD, SEDRO-WOOLLEY

$399,900 17603 SKYRIDGE, MOUNT VERNON

$418,000

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Desirable Eaglemont Golf Course Community. 3 bedroom 2 1/2 bath plus office/den. Lovely Master Suite w/jetted tub on main floor. Bright kitchen w/slab granite, stainless steel John Hunter appliances, eating bar that opens to 360-202-3854 great room w/gas fireplace and door to outside deck with spectacular views. Unfinished downstairs w/ 1237 sq.ft is included in sq.ft has plumbing, bedroom & family room, ready to complete. MLS# 675913

2688 sq. ft. 3 BD, 2.5 BA home on corner Sandy Everett lot. Upscale neighborhood w/trails, 360-202-3706 sidewalks & play areas in a planned development.

Everything is close by. Utility rm (washer/dryer incl.) & full BAs upstairs; bonus rm w/gas fplace on main floor.

Kitchen w/all stainless appliances & pantry. Dbl garage.

MLS #668766

PRICE SIGNIFICANTLY REDUCED on this beautiful home in quiet neighborhood. Gorgeous landscaping, open floor plan, Juliet balcony overlooking sunken LR, vaulted ceiling, Fr. Doors to private balcony off Master. Must see!

MLS# 706814

3112 SOUTH BAY DR., BELLINGHAM

1087 DIGBY RD, MOUNT VERNON

Hey Check this out!

We forgot to tell you how to contact Carla Fischer!

$575,000

Approx. 270’ of South Lake Whatcom waterfront in quiet cove.

2 bdrm/ 1 bath cabin in need of TLC. New state of the art septic system.

New water pump. 10 min. from I-5. Suzanne Jenkins 360-941-2983 Has existing dock, with concrete bulkhead running the length of the property. Boat launch close by. close to Sudden Valley Golf course and Wildwood Resort. MLS# 726000

$434,000

Spacious, circular drive to patio, level entry. Quality built & designed w/ vaulted ceilings, covered deck.

Elva Hunter Main master w/dbl closet/BA & 2 360-202-3086 BR/2 BA + office. Down 2 BR/BA, lg fam. rm, could be MIL. Prof. landscaped. RV prkg.

Close to Golf, Medical, shy 1 acre. MLS# 524620

Remodeled. Open floor plan, newer windows, newer roof, new furnace, Suzanne Jenkins lots of room. Great for livestock and 360-941-2983 berry growing; cross fenced pasture; approx. 15 acres in hay; 2 barns, lower barn has tack room. 20x50 Green house w/power and water.

6 apple trees, 3 plum, 2 Asian pear, 1 peach tree, Shirley Bertholf raspberries and blueberries. MLS#710460 360-840-1863

Cell: 360-982-0010 Office: 360-424-0300 email: Carla@skagittraditionrealty.com

Build Your Dream!

XXX SHANNON LAKE RD, CONCRETE

$99,500 1802 BAKERVIEW CT, MOUNT VERNON

$129,000 XXX STATE ROUTE 9, BIG LAKE

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2930 ARAPAHO PL., MOUNT VERNON

$232,000

Custom built view home in gorgeous Skyridge community. Views of Valley, Puget Sound, San Juan Islands & more! Spacious rooms throughout w/abundant storage. Entertainment Elva Hunter great rm style w/cathedral ceiling, gas 360-202-3086 fireplace, large dining rm and main floor master suite & den.

Lower level w/2 lg bdrms, utility/hobby room, fitness area/ TV room. Carport w/attached 8 x 22’ shop. Steps away from Little Mountain hiking trails. Easy care .41 acre lot. Private location minutes to I-5. MLS# 706609

14678 STATE ROUTE 9, MOUNT VERNON

$278,000

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Remodel includes added formal dining area. Many upgrades inside.

Lower level features a recreation room with its own fireplace. Sandy Everett Beautiful, large, private yard 360-202-3706 includes a greenhouse, 2 2-car garages, deck and a great patio. Located at the end of a quiet cul-de-sac in a neighborhood of nice homes. Interior square footage to be verified by buyer. Appointment required with 24 hours notice. MLS# 641525

$95,000 1601 N WAUGH RD, MOUNT VERNON

R AC

Newer, well maintained modular home on acreage. Large Master bedroom with walk-in closet and en suite with soaker tub. Has two additional rooms that could be used as bedrooms, office Danya Wolf 360-708-8294 or other work areas. Home has a walk through laundry room with utility sink. Roughly three acres of land cleared and most of the rest could be.

Close to all amenities. MLS# 684195

$438,900 1 MOUNTAIN VIEW RD, MOUNT VERNON

$30,000

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HEAVEN ON EARTH! Price significantly reduced! Beautiful, peaceful setting. Imagine waking up each morning to spectacular views of Sauk Mountain, the Cascades, Skagit Shirley Bertholf River & the valley below... your own 360-840-1863 little piece of “heaven on earth!” Perfect for anyone who loves the gorgeous beauty of the great Pacific Northwest. Enjoy privacy in a park-like atmosphere w/panoramic views. Close to town. Close to Everett & Shannon Lakes for fishing. MLS # 175569

19551 BURKLAND RD, MOUNT VERNON

$575,000

EAGLEMONT Attractive, large lot in beautiful Eaglemont Golf Course community, close to brand new 20,000+ SF clubhouse Elva Hunter with fabulous views, dining 360-202-3086 and full fitness facilities.

Complete plans for a beautiful home on this lot are negotiable. MLS# 475295

1913 ARTHUR PLACE, MOUNT VERNON

MULTI-FAMILY Two four-plex tracts for $150,000 LAKE VIEW Danya Wolf each and one five-plex tract for Spectacular lake view and stunning $175,000.00 Building permit 360-708-8294 sunsets seen from this lot, located Sandy Everett on the east (sunny) side of the lake! 360-202-3706 ready for thirteen (13) units. Or,administrative conditional use potential for professional/medical Property is in an area of beautiful homes and is located directly north of Big Lake Bar & offices. All utilities; includes off-site, fenced storm Grill parking lot. Buyer to verify square footage and retention pond. (City sewer,garbage,and drainage district). MLS# 678254 utility availability. MLS# 670146

$155,000 3019 BRIARWOOD CIR., MOUNT VERNON $179,900 !

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28.9 Acres of Prime farmland in South Mount Vernon; currently leased to potato farmer. Replace existing farmhouse with YOUR dream home! MLS# 720124 28+ ACRES

Danya Wolf 360-708-8294

NOT A SHORT SALE. Rambler style home adjacent to 1911 Arthur Place, on the hill in Mount Vernon.

Generous sized, fenced yard. Zero lot line property shares wall with neighbor to the west (1911 Arthur Place). New roof. Two separate tax parcels.

MLS# 31941

Danya Wolf 360-708-8294

Lovely 3 bedroom, 2 bath home with wainscoting; lovely kitchen with stainless steel appliances (included), vaulted living room Danya Wolf ceiling; located in walking friendly 360-708-8294 neighborhood; offers Gazebo, lovely fenced yard and a Sauna! MLS# 642831

OWNER FINANCING Located just outside the Mount Vernon City limits, this wooded 1 acre plus lot could be a building Danya Wolf site for a stick built, modular, or 360-708-8294 manufactured home, with plenty of room. Tract has been surveyed (LeGro and Associates) and wetlands have been delineated (Oscar Graham and Pat Bunting). 1.27 acres With $10,000.00 down, sellers will consider contract. MLS# 678260

Welcome Keith Johnson!

Keith brings with him vast knowledge of Real Estate and of the Skagit Valley.

Many know the Johnson family has been involved in Real Estate and the development of Skagit Valley for 70+ years, beginning with Keith’s own father, Arthur Johnson.

Keith and his daughter, Danya Wolf, are excited to once again be working together!

Cell:360-420-3096 • Office:360-424-0300 • email:homes@skagittraditionrealty.com

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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