Real Estate Weekly | January 31, 2014

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

INSIDE RE-Weekly This Issue

TO BORROW OR NOT TO BORROW? P. 4

Q & A: ASK OUR BROKER P. 8

PRESERVE YOUR RESERVES FEATURE HOME: 787 BURLINGTON HEIGHTS DR., BURLINGTON Charlie & Jeannie Boon, RE/MAX Territory NW

RealEstate weekly

SEE PAGE 5 FOR MORE

$650,000 (360) 708-9645

A supplement to the Skagit Valley Herald and the Anacortes American

P. 9

CLASSIFIEDS P. 10-11

JAN. 31 - FEB. 6, 2014

Re-Weekly content sponsored by: Whidbey Island Bank

You Find It, We Fund It.

To Borrow or Not to Borrow?

P. 4

Q & A: Ask Our Broker

P. 8

Preserve Your Reserves

P. 9

Classifieds

P. 10-11

9

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TABLE OF CONTENTS

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

http://homeloans.wibank.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.

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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

W NE

D AN TL N CA VA

G TIN LIS

Sedro Woolley $89,500 42.94 Acres of level land. Partially fenced farm land/pasture. East of Sedro Woolley. County land use is open space, farm & agriculture.

MLS# 585729 Call Jim, 708-1681

W NE

G TIN LIS

Call Wilma, 661-1631

Wilma Louia Designated Broker/Owner 661-1631

2

Charlie & Jeannie Boon 708-9645

W NE

G TIN LIS

Burlington $139,500 Beautiful creek front property. 1+ acre level building lot. Septic plans complete. Well is drilled. Bring your home plans!

MLS# 444247

Mount Vernon $189,950 Cute bungalow office. Located in Prime Hill area of Mount Vernon. Large reception area

w/ fireplace. 2 office/exam rooms and kitchen.

Handicapped ramps/parking. MLS# 585829

Mount Vernon $249,950 Terrific opportunity for a wonderful home.

4 BD, 1.75 BA, 2105 sq. ft. Huge yard with garden area & deck. Updated roof, windows, and siding. MLS # 586659

Call Mike, 540-1341

Call Ron, 333-1045

Call Elizabeth, 708-8800

W NE

Burlington $259,000 Desirable condo in 55+ development in Burl.

Master w/ full bath, living rm w/ fireplace & den on main floor. Loft features guest bdrm, w/ full bath. Large bonus room. Views of mtns. & sports fields. MLS #585313

W NE

G TIN LIS

G TIN LIS

Burlington

$278,000

Great rambler in Bayhill. Fully fenced 0.30

acre. 1653 sq. ft., 3BD, 2BA. Kit. w/ granite counters. Slider off family rm. to large deck, great for entertaining! MLS# 586313

Call Debbie, 708-8780

GO SEAHAWKS!

Kirk Campbell 770-7470

AL NT RE

Burlington

$1500/month

Burlington commercial rental. Convenient location. Office or retail space with approx. 1600 sq. ft. Off street parking

Call Property Management, 755-5555

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

Jim Stransky 708-1681

Mount Vernon $197,000 Home on large corner lot. 4 BD, 1.75 BA.1892 sq. ft. Country kitchen. Origional wood floors. Detatched 1 car garage. MLS# 584344.

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

RE-Weekly.com

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Allen 708-8780

Steph Vervaart Property Mgmt Assistant

Traci Erickson Property Manager 391-2969

January 31, 2014

Brown McMillen Real Estate

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

EAGLEMONT 2 STORY… 3 bedroom, 2.5 bath, over 2500 square feet, hardwood floors, kitchen with granite, high end fixtures, high ceilings. Spacious upstairs, bonus room & den. $310,000. #574568

RIDGEMONT NEIGHBORHOOD… 3 bedroom, 1.75 bath, spacious living room, adjoining family room with wood fireplace. On a cul-de-sac, close to schools & town. $279,000. #551945

LOVELY CUL-DE-SAC LOCATION… for this 4 bedroom, 2.5 bath home. 2670 square feet of living space. Formal living & dining rooms, good sized family room, large patio & so much more. $385,000. #582124

EDGE OF MOUNT VERNON… enjoy this 1/2 acre, 4 bedroom, 3 bath, 1 story home with full daylight separate living area. Large 2 car shop with 200amp service. $429,500. #526039

VERY PRIVATE… cozy home on 1.65 acre. Parcel w/ adjoining 4.59 acre tract. 3 BR, 1.75 BA, shop & outbldgs, pond,. Call for details. $340,000. #267821 SAMISH ISLAND… one level, 3 BR, 1.75 BA, over 2700 sf., natural light, kitchen w/ oak cabinets, breakfast rm surrounded by windows. Private backyard. $335,000. #459127 LIKE NEW… in Brl Senior Park, open floor plan in a small Park close to all services. Lg tiled open kitchen, oversized 2 car garage. $124,500. #534335 WHAT A GEM!… 3 BR, 1530 sf home at end of a culde-sac, wonderful location. Lovely family rm, nice kitchen, fruit trees & shop. $205,000. #566037 LARGE SWAMP… Right in the middle of this 13.77 acre property near Kayak Golf Course. A real bargain at $74,500. #554649

CRAFTSMAN STYLE… on Mt. Vernon hill, covered front porch, 3 BR, 1.5 BA, appx 1600 sf. Living/dining rm w/ Pergo flooring. $159,000. #556674 JUST REDUCED..LARGE LOT… fruit trees, raised beds, garden shed, 3 Br, 1/5 Ba, Rambler, extra covered pkg $179,500. #523723 BUILDING LOT… shy half acre in Sedro-Woolley city limits. Utilities in street, some marketable trees. Lot line adjustment is all that is needed to turn parcel into 2 lots.$75,000. #576834 15 ACRES… excellent bldg site,great location, minutes to freeway & B’Ham. Shallow wells in area. Creek & Valley views. $180,000. #512840 LARGE DUPLEX… each unit is over 2,000 sf with 3 BR + den. Great Burlington location and only 2 years old. $334,500. #556307

83 ACRES… beautiful pasture land, some wooded areas. 3 BR, 2 BA Mfg home, 2 shops, horse barn, hay loft. Great for cattle ranch, equestrian use. $465,000. #284837 NEAR LAKE PADDEN… Nice 3 BR, 2 BA Mfg home located in park within walking distance of Lk Padden. $68,500 #494657 COMFORTABLE MFG HOME… 2 BR, 1.75 BA, dining area. Nice location on edge of town. Room to garden, shop, covered deck & carport. $105,000. #541077 ALGER & OLD 99… Corner of high traffic area across from Alger Tavern) rambler, lots of possibilities. Rural Village Commercial zoning! $179,000. #324553 VIEWS FROM EVERY DIRECTION… 5 acre parcel located on Bisquit Ridge! Great opportunity to build your custom home! $260,000. #379837

ACREAGE IN TOWN… 2.73 acres of level cleared land in middle of Concrete. Great location for new home or Mfg. home. $72,600. #582040 GOOD MOUNT VERNON INVESTMENT… solid home w/3 BR. Estate sale, a fixer upper but has promise.

Level lot, walking distance to hospital, schools & shops. #575827 $99,500.

INDUSTRIAL LAND… 3.53 level acres in Burlington Hill Industrial Park. Excellent location to open your new business. $595,000. #480718

Jodi Dynes Jeff Ingman Ron Wortham

333-7783 202-2859 661-1500

Tod LeHecka Terri Heyntsen Galen Kindred

333-1032 391-0938 770-7083

Tim Reichert 391-5587 Mary Jo Reitsma 770-6013 Jan Scally 421-5160

SEE US FOR ALL YOUR REAL ESTATE NEEDS Shelah Inman Fritz Inman Holly Hilts

661-0145 661-0147 661-5538

Your Next Home.

Our Team of Experts.

Let’s make it work.

Meet our Skagit County Home Loan Team www.peoplesbank-wa/homeloans Carolyn Lloyd-Whitney VP/Senior Real Estate Loan Officer, Mount Vernon (360) 848-7302

Real Estate Loan Officer Mount Vernon (360) 848-7307

AVP/Senior Real Estate Loan Officer, Mount Vernon (360) 848-7304

NMLS# 493147

NMLS# 487364

NMLS# 526854

NMLS# 487362

January 31, 2014

Holly Peterson

Jennifer Thompson

Brett Lloyd

Real Estate Loan Officer Anacortes (425) 385-2505

RE-Weekly.com

3

Home Equity: To Borrow or Not to Borrow?

With the growth in home equity, it can be tempting to borrow more. Learn more about what this means for your finances.

Many homeowners who were once underwater now find that not only are they high and dry, but that their home sits above a well of cash.

Home equity – defined as the difference between a home’s current value and the amount of principal owed on any mortgage – took a big, $2.2 trillion leap from 2012 to 2013, according to U.S. Federal Reserve statistics.

The recovery in housing prices means that many owners’ mortgage balances no longer loom above their home’s value, a situation known as being “underwater.” Many homeowners might be able to do the unthinkable a few, economically distressed years ago: Take a second mortgage.

Indeed, Moody’s Analytics predicts the dollar volume of equity credit will rise about seven to eight percent in 2014.

Right and Wrong

But just because you can doesn’t mean you should take on added mortgage debt, warns Ellen Schloemer of the Center for Responsible Lending, a nonprofit consumer protection group.

“Some reasons for borrowing from home equity are better than others,” adds Cleveland financial planner Kenneth Robinson. Spending on a home improvement that will provide a lasting boost to a home’s value could be a “better” use, he says.

On the other hand, says Dublin, Ohio-based financial planner Carol Friedhoff, if the borrowed funds are spent on something that’s quickly consumed – like a vacation – and doesn’t provide a lasting value, “then it’s ‘bad debt.’”

and don’t enable a borrower to fall into deeper debt. For example, Gjeldum says, “If someone is consolidating credit card debt, they may be told to bring in their statements and the credit card accounts will be paid at the closing.”

During the boom preceding the housing crisis, lenders didn’t worry much about what borrowers did with their funds. “One of the biggest reasons these loans went bad was because people said they were going to pay off a credit card but didn’t,” Gjeldum explains.

Now, lenders try to ensure borrowers aren’t able to get into more debt because of the equity credit. All debt shouldn’t exceed about 40 to 43 percent of a borrower’s income, Gjeldum says.

Still, lenders can’t know if borrowers might open new credit accounts later. Robinson advises using equity to consolidate credit cards only if people “have demonstrated – not resolved, but demonstrated – that they no longer use the credit cards for over-spending.”

Hold It There

Here’s another housing crisis lesson: If home values drop, so does the amount of equity an owner has, and a second mortgage could be the added debt that pushes an owner underwater.

Owners now need a relatively large amount of equity in a property to borrow against it, Gjeldum says. At least ten percent – usually 20 percent – of the value of a home should still be mortgage-free after the equity loan.

Most equity lending is in the form of a “line,” Gumbinger says. “Equity loans are harder to find.”

In the case of a home equity line, the borrower pays a variable interest rate on the money he or she has drawn. In contrast, an equity loan is one Truth Be Told lump sum usually with a fixed interest rate charge.

Consumers are somewhat protected from “bad” debt, since lenders In some cases, the lines require interest-only payments for an initial have a stake in ensuring the equity won’t sink their finances, says Keith period, like five years, and then the balance is due, says Charles Chedester, Gumbinger of mortgage data firm HSH.com. past president of the Mortgage Professionals of Iowa.

Expect questions on what the equity funds will be used for, says Dan Yes, lending rules are more restrictive, but consumers should still Gjeldum, senior vice president of mortgage firm Guaranteed Rate. be careful. “Anyone who doesn’t read the documentation could get a Then, lenders will try to ensure that funds are used for their stated purpose surprise,” Gumbinger says.

4

RE-Weekly.com

January 31, 2014

FEATURE HOME FROM COVER:

NOW COULD BE THE TIME TO SELL A NEW HOME AND EARN A SLICE OF THE REAL ESTATE PIE

787 Burlington Heights Dr., BURLINGTON

$650,000

RE/MAX Territory NW Burlington, WA 360.708.9645 www.theboonteam.com Charlie&JeannieBoon

360.708.1415 360.708.9645

This 4159 SF home offers 5 BR, 3.75 BA & gorgeous Brazilian cherry wood floors. Kitchen w/ slab granite counters, maple cabinets & SS appliances. Master suite w/ large walk-in closet & a large BA w/ double vanity sinks, jetted tub & separate glass enclosed shower. Lower level offers family room w/ wet bar & gas fireplace, home theatre room, a BR, a 3/4 BA plus a powder room. Decks to take in the panoramic views of the valley.

2 car attached garage plus a 16’ x 50’ RV garage. A must see!

MLS#565465

ELEGANT & SPACIOUS HOME ON BURLINGTON HILL

IN PRINT AND ONLINE 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

STAT A LEG UP

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.

CALL OR EMAIL TODAY! 360.416.2180 • ads@skagitads.com

RE-Weekly.com January 31, 2014

36.1 Percentage of winning offers in bidding wars that included a cover letter from the potential buyer to the home seller.

RE-Weekly.com

Source: Redfin’s Real-Time Bidding Wars Report, Jan. 22, 2014

5

www.WindermereSkagit.com RESIDENTIAL 2610 E SECTION #24, MV 64,500 55+, popular park location! 3 bedrooms, 2 bathrooms, 2 car garage. Open floor plan, large family room, formal living & dining rooms, tons of built-ins & storage! Private backyard with garden space. Call Sarah Minton at 770-3076. #571511 19031 CEDARDALE RD, MV $107,000 Bring your toolbox & take advantage of this diamond in the rough. 2000+ SF, 4 bedroom home with garage & outbuildings. Nearly new furnace & heat pump. A good basic house that needs some TLC. Call Jim Glackin at 428-2828. #579905 8276 Lusk Rd, CNC $117,900 Country rambler featuring 2 bedrooms & 1.5 baths on 1 acre. Several large outbuildings, some fencing & room for all your toys. Bring your imagination. Call Karine Anderson at 421-1189 or Lee Ann Dean at 421-3082. #538386 22054 STATE ROUTE 9, MV $124,900 Great opportunity for the handyman, home sits on 1.12 acres in the Lake McMurray area. It is not on the lake, 2 bedrooms & 1 bathroom. Call Karine Anderson at 421-1189 or Lee Ann Dean at 421-3082. #555721

414 N 4th ST, MV $229,500 Gracious traditional home built in 1903 boasts 3+ bedrooms, 3 bathrooms, formal dining & living room, cozy den with built-ins, charming kitchen, wonderful original fixtures, front porch, garage.

Call Sarah Minton at 770-3076. #365313 26909 138TH AVE NE, ARL $306,600 Fannie Mae owned home on 5 acres! Wonderful home features 4 bedrooms, 2.5 bathS with hardwoods, tile, fruit trees & all fenced Call Karine Anderson at 421-1189 or Lee Ann Dean at 421-3082. #555687 20317 CHRISTIE PL, BRL $319,000 Nice 1-level home. 3 bedrooms, den/office, living room with gas fireplace, kitchen with gas cooktop & eating area. Fenced yard, paved RV pad & garage. All fresh interior paint. Photos at SkagitValleyHomes.com. Call Bill & Jannette Krieger at 421-4446. #579003 1032 LIGHTENING WAY, CAMANO $319,900 Beautiful views of Port Susan, Cascade Mountains & Mt Baker. 3000+ SF, 3 bedrooms, office, open kitchen & family room. Call Karine Anderson at 421-1189 or Lee Ann Dean at 421-3082. #535298

6010 WORLINE, BOW $132,500 Fannie Mae owned home, great Bow location.

Boasting 3 bedrooms & 1.75 baths. New stove & hood, fresh interior paint. Must see this home!

Call Karine Anderson at 421-1189 or Lee Ann Dean at 421-3082. #560889 24494 POLTE RD., SDW $149,900 Updated farm-style home on 1/2 acre. Newer flooring, freestanding gas stove, 3 bedrooms & approx. 1100 SF. Covered front porch, garden space, studio outbuilding. Greenhouse & outbuildings. Call Linda Eastman at 202-4075. #547152 608 CEDAR TREE DR, SDW $212,000 1 level home on large fenced lot, garden space & 2 car garage. Vaulted ceilings give a spacious feel to the open floor plan with 3 bedrooms & 2 full baths. Newer roof, RV parking, 2 decks and all appliances included! Call Linda Eastman at 202-4075. #556261

4900 RONEY RD, BOW $355,500 Contemporary home in good condition. 2 bedrooms, 1.75 baths. Metal roof, slate/tile flooring throughout. Bay & mountain views, waterfront access to community shared beach & shop. Call Karine Anderson at 421-1189 or Lee Ann Dean at 421-3082. #565768

Go...

93 SAMISH PL, LAC $399,950 Beautiful Shelter Bay Home! Living/dining & kitchen capture views of mountains, marina, sound & Rainbow Bridge. Trex deck w/glass view panels. More info & photos at SkagitValleyHomes.com. Call Bill & Jannette Krieger at 421-4446. #572091

303 E. JONES RD, SDW $399,950 Immaculate custom 3 bedroom, 2.25 bath home.

2 car garage, 30x20 shop & 60x36 shop both with heat. Located on .86 acre with additional 1.33 acres adjoining with development potential. Call Linda Eastman at 202-4075. #345096 1312 N 43RD ST, MV $424,900 Custom 4 bedroom home with beautiful detail throughout. Coffered ceilings, main floor master suite with jetted tub & shower. Large gourmet kitchen with walk-in pantry. 3 upstairs bedrooms & huge rec room & wet bar. Call Donna Rowell at 708-7984. #528255

15175 DESCHUTES CT, MV $449,950 Just completed! Beautiful 4 bdrm, 3 bath, 3170 SF home. Hardwood floors, fireplace & SS appls.

Enjoy the view from your full length deck. 1 acre lot. More info. at SkagitValleyHomes.com. Call Bill & Jannette Krieger at 421-4446. #585533 4811 BEAVER POND DR, MV $469,900 Extraordinary living in this custom built Eaglemont Golf community residence. Brilliant open design offering 3194 SF; 5 bedrooms & 2.5 baths.

Call Elizabeth Miller at 420-3607. #568174 18589 W. BIG LAKE BLVD, MV $485,000 Waterfront home & shop on 1.08 acre. 3 bedrooms, 3 baths. Gorgeous lake/mountain views from kitchen/dining/great room. 50’ dock, 70’+/- waterfront. Huge 36x40 shop. Call Megan O’Bryan at 708-5817. #491092 12899 WAYWARD WAY, CL $519,000 Beautiful home on 6.5+ acres. 3,579 SF., 3 bedrooms, 3 baths. Fruit trees, green house, Koi pond & super cool chicken coop. 44’x22’RV garage with 14’ door. Call Jake Koetje at 466-8045. #552986 17304 OLYMPIC PL, MV $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 at 770-3076. #579939 7544 MERGANSER LN, BOW $589,950 Enjoy glistening sunsets & watching the eagles soar. Superb acreage residence in Sunset Creek offers over 3000 SF of light filled living. Call Elizabeth Miller at 420-3607. #555909

4935 PRAIRIE LN, SDW $759,900 Gaze at the stars & take in the wonders of nature.

Stunning 5 acre homestead wrapped in a picturesque private setting. Barn, shops & more! Call Elizabeth Miller at 420-3607. #550645

COMMERCIAL Quantum Ln., Anacortes Warehouse spaces with offices, several sizes, in a quality business park. Three-county access. Call Jim & Balisa Koetje at 421-4111.

2025 RIVERSIDE DRIVE, MV $12/SF NNN 2 office/retail suites with tremendous exposure.

One plumbed for hair salon. Both spaces are approx. 1,450 SF. Contact Balisa or Jim Koetje 421-4111.

302-306 S. 1ST ST., MV Downtown MV office or retail space; 1750 SF for $1100/mnth or 3890 SF for $2150/mnth. Call Dick Nord at 661-6529. #523171 0 WILLIAM WAY, MV $49,900 Some of the last undeveloped building lots in this area of Mount Vernon. Other prof offices nearby. Call Jim Glackin at 428-2828. #431726 1331 S. 3RD ST, MV $164,000 Stand-alone office building. Approx. 1272 SF with reception area, several offices, on-site parking & street frontage. Call Dave Patterson at 708-5030. #548662 0 PARKER WAY, MV $177,700 Commercial lot in area of prof.offices. Purchase lot or will build to suite. Call Warren Bingham at 770-2421. #27209053 320 ELEANOR LANE, MV $196,000-$1,210,000 7 lots available in the commercial industrial plat in S. MV. Sizes from approx. 28,000 SF – 249,000 SF. Contact Jim or Balisa Koetje 202-2500.

17582 STATE ROUTE 536, MV $399,000 Approx. 1.87 acre site with 3 buildings. Approx.

3,920 SF warehouse. Modular office & mobile home rented for $1,350/mo. Contact Jim or Balisa 202-2500.

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 Bill Krieger Cindy Sullivan Deborah McNeal Donna Rowell Elizabeth Miller 6

360-421-4446 360-941-9443 360-707-8073 360-708-7984 360-420-3607

George Bellos Jake Koetje Jamie Yantis Jannette Krieger Jim Glackin

360-708-9762 360-466-8045 360-540-5264 360-708-0233 360-428-2828

Karen Beckner Karine Anderson Kim Kelley Lee Ann Dean Linda Eastman

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

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

RE-Weekly.com

206-755-8406 360-708-5817 360-333-7197 360-708-8338 360-420-2026

Sarah Minton Sherry Johansen Tasha Zahlis Warren Bingham

360-770-3076 360-708-3636 360-391-5075 360-770-2421 January 31, 2014

www.AnacortesRealEstate.com RESIDENTIAL W NE

2115 PENNSYLVANIA CT, ANA $429,900 New 1-level Craftsman home in desirable Keystone neighborhood. 3bd 2ba, vaulted ceilings, fireplace, kitchen w/ stainless appliances, maple cabinets, & granite counters. Lrg covered deck, perfect backyard for entertaining. Leigh Zwicker 360-333-9975 MLS#582751 NE

W

2812 MORRISON CT, ANA $495,000 Dynamic views from main level living home. 4bd 3.5 ba, 3294 SF. Features exposed beam work; gorgeous kitchen w/ granite counters; Master suite w/ walk-in closet & sophisticated bath. Moments from WA Park & Skyline Marina. Colleen Craig 360-770-9638 MLS#580855 NE

W

2202 19TH ST, ANA $424,000 Spacious Windward Village home in Cape Cod style. 5bd, 2.75ba, 3200 SF. Open floor plan, formal living/dining, & gleaming gourmet kitchen. Hardwood floors, vaulted ceilings, private courtyard, island & mtn views, 2-car garage. Near town & forest lands. Colleen Craig 360-770-9638 MLS#581360

ndermere Mortgage Services at (425) 268-7995

13885 SEAVIEW WAY, ANA $519,000 Western views & Burrows Bay w/ 2618 SF, 3BR 2.5 BA. Quality & elegance throughout. Margi Houghton 360-202-0041 MLS#523546 2614 WASHINGTON BLVD, ANA $444,900 Lovely Sunset Cove home w/ vaulted ceilings, formal dining, nice kitchen w/ eating space, & large deck. Master suite w/ walk-in closet. Wonderful level fenced yard. Walking distance to beautiful Anacortes waterfront park. Debbie Macy 360-3912422 MLS#543406 4205 FIDALGO BAY RD, ANA $1,980,000 Spectacular property along Tommy Thompson Trail. Approx. 1,700 ft of waterfront beautifully landscaped. 3bd 4.5ba, 4,188 SF home w/ garage parking for 45’ Motor Coach, plus smaller caretakers residence/RV. Great views toward Mt Baker.

38.18 acres includes approx. 35 acres of tidelands.

John Prosser 360-202-3891 MLS#543801 9773 DAN ST, LC $568,000 Contemporary 3,155 SF, 3bd 2.5ba home with panoramic views of Similk Bay and the Olympic Mountains. Margi Houghton 360-202-0041 MLS#560560 8625 EVERGREEN LANE, ANA $350,000 96’ of waterfront, breathtaking views, & .33 acres of land on Guemes. Charming art studio & cozy cabin surrounded by water on all sides. Potential home site on upper property. Kathy Rogers 360941-4400 MLS#561085 14820 GIBRALTER RD, ANA $2,289,000 Spectacular equestrian opportunity. 5,407 SF home w/ fenced pastures surrounded by forest atop 9 view acres. 5bd 4ba w/ Similk Bay & Hope Island views. 21,000 SF arena includes 9 stalls, prof. dressage area, heated wash space, tack room, laundry, & bath. John Prosser 360-202-3891 MLS#546426

CONDOS

NE

W

2400 SKYLINE WAY #18 H-44, ANA $67,500 Great Skyline moorage. 30’ + 6’ overhang w/ 11’7” beam. Gated entry for security. Features dockmaster, clubhouse, restroom/shower & laundry facility. $225.00 semi-annual dues. Skyline Beach Club (HOA) dues $125.00 for amenity use. Water available at no cost. John Prosser 360-202-3891 MLS#584767

NE

W

NE

2415 T AVE CT #A-22, ANA $110,000 Single 60’ boat slip located in desirable Anacortes Marina. Convenient location near businesses, restaurants, & shops. Margi Houghton 360-2020041 MLS#585330

VACANT LAND

NE

NE

4149 & 4171 POINT WILLIAMS PLACE, BOW $700K - $1,200,000 SPECTACULAR waterfront acreage on desirable Samish Island! 6.5 AC-w-450’ of high bank water frontage, including tidelands. In gated area w/ private cove & path to water. Beautiful views of Bay & Mount Baker. Unique gem of a site. Build your Island dream home! Leigh Zwicker 360-3339975 MLS#582418; 582471; 582495

W NE

NSN 18TH ST, MV $299,000 19,000 SF level building lot. Zoning for Professional Building. Will build to suit. Will look at a trade.

Rick Bennett 360-202-2630 or Buzz Ely 360-202-4626 MLS#584818 W

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2104 PENNSYLVANIA CT, ANA $160,000 Build your dream home in lovely neighborhood of quality homes! Architecturally designed floor plan available for 2600 SF daylight basement style, customized to your specifications. Reliable builder ready, or bring your own. Model home completed on plat. Leigh Zwicker 360-333-9975 MLS#582940 NE

9440 MARSHALL RD, BOW $299,000 1.53 acres on Samish Island. W-2 tracts of tidelands waiting to build your dream home. Partial views of Padilla Bay. N & E views of Samish Bay & Chuckanut Mnts. Lot certified, corners staked.

Water shares available. Electric, cable, phone in street. Steps to tidelands or public beach. Leigh Zwicker 360-333-9975 MLS#582905

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4633 35,37 ANACO BEACH RD, ANA $795,000 No bank oceanfront property. Cleared, subdivided into 3 lots and ready to build on. Includes tidelands, w/ seawall and boat launch ramp.

All utilities in place. Faces West, great sunsets, expansive beach. Rick Bennett 360-202-2630 MLS#583917

Hawks!

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291 Becky Strickland Bill Robillard Breta Malcom Buzz Ely Caroline Baumann

360-770-0197 360-770-4707 360-391-0441 360-202-4626 360-202-7327

January 31, 2014

Catherine Mers Cheryl Frazier Colleen Craig Colleen Sargent Cynthia Aanestad

360-982-6831 360-202-4789 360-770-9638 360-202-2155 360-610-0120

Debbie Macy Duane Holden Gina Davis Jack Dixon Jackie Stone

360-391-2422 360-305-9806 360-708-7794 360-941-5000 360-661-2247

Jessica Notaro Joan Handelmann John Prosser Judy Moore Kathy Rogers

360-202-1441 360-202-4800 360-202-3891 360-770-3515 360-941-4400

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Leigh Zwicker Linda Macy Margi Houghton Nate Scott Paul Necco

360-333-9975 360-708-8284 360-202-0041 360-708-2354 360-770-5989

Paul Weisz 360-391-7281 Sarah Jones Rebecca Chamberlain 360-421-5021 Troy Williams Rick Bennett 360-202-2630 Rita Grant 360-770-8006 Samantha Masaoka 360-421-5021

360-333-2783 360-708-4923

7

LATE PAYMENT CALLERS Question:

obnoxious, this is a case where you can save money by listening to your callers.

The Department of Veterans’ Affairs says that lenders must have a “reasonable” grace

Q& A

ASK OUR BROKER

By Peter G. Miller

period before a late fee becomes due. Typically, mortgage payments are due on the 1st of the

We have always paid our VA mortgage just before the third Wednesday of the month, since

month but there is a 15-day grace period in case

that’s when the bulk of our money arrives. I have

payments are delayed in the mail. After the grace

always added the extra interest with payment

period, the borrower may then face a late fee.

whether it fell on the 16th or after. This is my

By paying on the third Wednesday of each

question: Are the banks now forced by the

month you apparently are making payments far

government to start calling the mortgage holder

past the grace period. The result is that, unless

from 8:00 in the morning to 9:00 at night every

waived, you are paying needless and costly late

1.5 hours from the 16th of the month until the

fees.

current monthly check is deposited by the bank?

How can this problem be solved?

One option is to speak with the mortgage

Answer:

servicer and ask if the payment schedule can be

If you get a “yes,” make sure the new payment schedule is confirmed in writing.

The best solution is to change your timetable so that payments are made earlier in the month, a choice that will be tough the first month but easy thereafter. This is the quickest, easiest and surest way to make your unwanted callers and financial penalties go away.

Also, ask your lender if you can make payments online. This may result in a faster credit to your account and the avoidance of monthly penalties.

changed to accommodate your monthly finances.

The government is not forcing lenders to

This may not be possible, but it can’t hurt to ask.

call. While the mortgage servicer’s behavior is

AMERICAN DREAM REAL ESTATE SERVICES, INC. Stunning View Home! #560719 • $735,000

#476197 • $1,524,000

Paradise Awaits!

Something for Everyone! #555275 • $180,000

Northwest contemporary view home in premier Anacortes neighborhood. This 3,071 SF home offers 4 BR, 3.5 BA, including 2 master suites! Gourmet kitchen, upgraded amenities w/stainless appliances & granite counters, Brazilian cherry floors, french doors, private garden, patios, decks & balcony.

Gated “Ocean View Estates” features this 4500 sq ft waterfront home on 2 1/2 ac w/views of the Olympics, the Sound & the San Juans. AC, high-end finishes of granite, slate, stone & hardwood. Radiant floor heat, 4 fireplaces + a 6 car garage. Two slate patios & a tram leads to a private waterside deck for entertaining!

Located in desirable Shelter Bay, near clubhouse, tennis, swimming pool and playground. 4+BR, 1.75BA & 2064SF. Kitchen opens to liv rm. Mstr & off on main. Perfect for entertaining, lg wrap around deck overlooks park, peek-a-boo of marina & lovely mtn views. Metal roof, greenhouse, garden space.

Exquisite Estate Home #457118 • $759,000

Beautiful 2380 SF Home! #570830 • $264,950

Quiet Street in Mount Vernon #585799 • $139,000

Wonderful views of Big Lake! This rare home offers amazing amenities incl. carved brick artwork of Mt. Baker, eucalyptus flooring, chef’s kitchen with S/S & granite counter tops, 4.77 ac of pristine landscaping, incredible heated shop w/car lift & 5 bays, greenhouse, ponds - the list is endless, this is a MUST SEE HOUSE!

Desirable Glenhaven community (pool, playgrounds, priv. stocked lake, tennis & bball courts). Open style flr plan w/vaulted ceilings, kitch w/stainless appls, bfast bar, hdwds. Mstr w/walk-in closet & ba, 2 addt’l BRs, ba & util rm on main. Downstairs offers lg fam rm w/ cozy pellet stove, office & den/guest rm. Fenced yard.

Nice 1 level home located on a quiet street in Mount Vernon. This house features gas fireplace, bath off master, nice well lit kitchen, large 2 car garage with work area. Fenced private back yard with covered deck off dining area and second sun deck, fenced garden area and R.V. parking. Short Sale.

“Fulfilling Northwest Family Dreams” Anacortes Office

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

Like American Dream Real Estate Mount Vernon

8

Mount Vernon Office

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

www.adrhomes.net

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January 31, 2014

Preserve Your Reserves

Seventy percent of homeowner associations are underfunded, and homeowners will feel the pinch.

A

nyone who lives in a townhouse or a condominium relies upon a homeowner association (HOA) to manage and maintain the building and common areas. Unfortunately for homeowners, a new study shows that most HOAs are drastically underfunded.

While regular HOA assessments go toward monthly maintenance and regular fees, the association also is expected to hold a reserve fund that can be drawn upon for emergencies.

But the majority of HOAs don’t have the reserve funds to deal with problems like a leaky roof or burst pipe. A recent study

by Association Reserves, a study company that works with HOAs nationwide, reveals that 70 percent of HOA reserves are underfunded.

That number doesn’t surprise Richard Monson, president and CEO of California Association of Homeowner’s Associations Inc. “It’s fairly common knowledge that people move around,” he explains. “If you were living in a condominium association and your work was going to take you someplace else in

January 31, 2014

a few years, you aren’t going to want to put your money into reserves for the future benefit of someone else in the association.”

If the reserve fund falls short, a potential buyer or lender might steer clear. However, “other than that, there’s not too many consequences” for the association itself, Monson says.

The most significant consequences fall upon current homeowners.

When the building or community requires the emergency repair or unexpected expense, the association can choose to charge a special assessment (one lump-sum payment) or increase the monthly payments to the association.

First-time homebuyers should always be thorough when researching prospective homes, but they should take special care in learning about their HOA. Rathbun says prospective homebuyers should be proactive in their research.

“Is the association financially solvent?... Has the community seen a lot of special assessments in recent past?” Those questions must be considered, Rathbun says.

Put simply, he says, “In other words, do your homework.”

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CLASSIFIEDS Burlington. Newly updated 2 bdrm, 1 ba, $800/mo. $1000 dep. No smoke/pets. $50 app fee. 360-770-6273 Fairhaven Manor 757-2149 Norris Place 757-3060 2 & 3 Bdrm Apts. W/S/G pd.

Great location, some restriction apply. Call or stop in today.

Murdock Court Apts.

123 N. Murdock St., SedroWoolley 2 bdrm available starting $710. Call 360-8564944; TDD 711

COLONIAL PARK/ MV 55 – COMMUNITY. 1982, 60x14, 2 bdrm, 1 bath, $630/month includes mortgage, space rent, sewer, garbage and cable. Purchase price $12,000. (You own it.) Owner financing.

Keith Johnson, 360-424-8498

OPEN HOUSE Sat., 1:00-3:00 4504 San Juan Ave. Anacortes, WA

SW 1 bdrm, upstairs, quiet area, no smoke. $650 + $400 dep. 856-6737

1 - 4 Bdrm Rentals.

Piazza Realty Property Mgmt., Inc. 360-424-RENT (7368) www.prpmrentals.com 2 Bdrm, 2 Ba, hot tub, all applcs., nice view of water & yard, near Anacortes. No pets. $1000/mo., $200 cleaning dep. 360-202-9518

RENTALS

Houses & Apartments.

See our listings at www.skagitrentals.com Remax Property Mgmt.

823 N. 4th, Mount Vernon 360-424-3198

2 bdrm, 2 ba condo, MV, 55+ secure bldg., all applcs. $1100/mo. 360-856-6566

Newly remodeled Duplex 2 bdrm, 2 ba, no smoke/pets, $900/mo. 360-708-0316 or 360-856-4172

10 10- January 31, 2014

Hosted by Barb Adams Gent Immaculate hard to find 4 bdrm, 2.5 bath home on large level lot! 2254 sq ft with granite and tile upgrades, formal living and dining room, kitchen that opens to a family room.

Come and take a look!!

MLS#576210. $375,000.

For showing appointment call: Valerie Thomas, Listing Agent Preview Properties Skagit 360 333 0562

PINE CREEK Open House

6 new homes OPEN for viewing!

2142-2774 sq ft, 1 & 2 level homes. Ramblers have nostep entry! 3-5+ bdrms. 3 car garages. Quality high end finishes. Great room & gas frplc.

OPEN HOUSE Friday, 12 – 2:30 Saturday, 12 – 3:00 or by appointment.

Go to 3015 Pine Creek Dr. during Open House to view any of the homes! 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, ¼ mi. to Pine Ck. PINE CREEK Open House

6 new homes OPEN for viewing!

2142-2774 sq ft, 1 & 2 level homes. Ramblers have nostep entry! 3-5+ bdrms. 3 car garages. Quality high end finishes. Great room & gas frplc.

Open House Friday, 12:00 – 2:30 Saturday 12:00 – 3:00 Go to 3015 Pine Creek Dr. during Open House to view any of the homes! Or call Val Thomas Preview Properties at 360-333-0562 to set up an appt. From I-5, E. on College Way, N (lt) on N. 30th, 1/4 mi. to Pine Ck.

Samish Island WATERFRONT

SKAGIT COUNTRY CLUB 16412 Fairway Drive, Burlington. Main: 3 bedrooms, 2 baths, living, family, dining rooms. Basement: large room, full bath, storage, 2nd garage. Gas furnace, fireplace, air conditioning, deck, vaulted ceiling, southern exposure.

See on zillow.com 360757-3238 $349,500

PRICE REDUCED! SEDRO-WOOLLEY (ESTATE SALE!) 1 ½ acres with rambler style 3 bdrm, with full basement. Attached 1 car garage, 4 bay workshop in back yard. Room for horse.

Property is subdividable and can be turned into city building lots just on North edge of Sedro-Woolley city limits. Will hold owner contract with large down payment or large discount for cash! $235,000. Call 360336-8648 for details, leave message will call back as soon as possible.

10529 Samish Is. Rd. $675,000.

Price reduced!!! Sensational custom one level home on 1.54ac w/access road to beach. 3 bdrm, 3 ba, open floor plan, hardwood floors, two car attached garage plus 1890 sq. ft. detached garage/workshop perfect for RV/boat/equip storage.

Separate guest house with it's own living, dining, bdrm, ba. Circular drive, no hassle with ferries. Just drive onto Samish Island.

MLS#486866 Call Terry Smiley 425-985-9643 Champions Real Estate

Find your bargain today!

Smart shoppers know about the bargains hidden within the Classified pages. In the Classifieds, you can track down deals on everything from tickets to trailers.

It’s easy to place an ad or find the items you want, and it’s used by hundreds of area shoppers every day.

Call 424-4567 to place an ad.

WHY ADVERTISE IN THE SKAGIT VALLEY HERALD? EVERY DOLLAR COUNTS. CHOOSE A PROVEN SOURCE FOR

RETURN ON INVESTMENT. You should be advertising in these tough economic times.

FOR RESULTS

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

Call Tim L. Good 360-708-3828 timgoodrealestate.com RSVP Real Estate

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REAL ESTATE WEEKLY RE-Weekly.com January 31, 2014

Anyway You Like it

WE DELIVER Print + Online + eEdition If you need assistance accessing the online or eEdition, call 1.800.683.3300

Online + eEdition (digital replica of newspaper) access is available at NO EXTRA COST to Skagit Valley Herald Subscribers.

REAL ESTATE January 31,WEEKLY 2014 RE-Weekly.com

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January 31, 2014 11 - 11

WHO WE ARE… Skagit Tradition Realty, a family owned and operated real estate firm, has been serving the Skagit, Whatcom and Snohomish counties for more than 70 years. We are a full service real estate office highly proficient in a variety of fields, which include residential, commercial, property management, international transactions, first time home buyers and other real estate investments.

404/406 E. FAIRHAVEN AVE., BURLINGTON $389,000 OERTEL DR., BLAINE

Danya Wolf, Designated Broker .......... 360-708-8294 Jessie Cavazos, Hablo Espanol ............ 360-770-5623 Celia Miller........................................... 360-391-6065 Suzanne Jenkins................................... 360-941-2983 Brett Tacke........................................... 360-840-7931 Sandy Everett ...................................... 360-202-3706 JoAnn Boudreau .................................. 360-391-0746 Richard Dickman .................................. 360-420-3155 Elva Hunter .......................................... 360-202-3086 John Hunter ......................................... 360-202-3854 Donna Kurras ....................................... 360-770-7596 Chris Miller........................................... 360-333-1868 Russ Lanker .......................................... 360-708-1117 Dayna Telidetzki................................... 360-708-8452 Linda Dietrick....................................... 360-840-6771 Patricia Box, Office Manager ............... 360-424-0300

$299,000 1806 BAKERVIEW CT., EAGLEMONT

36493 CAPE HORN RD, SEDRO WOOLLEY

$149,950

1560 WILDFLOWER WAY, SEDRO WOOLLEY $105,000

Spacious living, all on 1 level!

Plenty of space (1ac) comes with this lovely home at the end of a long driveway. Large rooms Sandy Everett complete with nice carpeting are 360-202-3706 found throughout. Home is right across the street from the River and property has great garden potential. MLS# 447728

Just $105,000 for this 2 bedroom, 1 bath cottage with a covered porch and detached garage.

Forced air heat, all kitchen Danya Wolf appliances included. Wall to 360-708-8294 wall carpet and double pane/storm windows.

Patio and perfect as an investment with long term tenants hoping to stay! MLS# 584984 13046 JANICKI RD., SEDRO WOOLLEY $168,000

$599,000

ICE

W NE

PR

Wonderful open fl plan, w/ lg master suite on main level, Great central location Beautiful low bank 53’ walk-in closet, lg kitchen downtown. Two retail/office waterfront lot. Spectacular granite counters/gas fireplaces, spaces! Appx. 2800 sf. Both w/ sunsets and views of the Straits sliding doors to covered deck Elva Hunter current long term tenants. One of Georgia and White Rock. to outdoor entertaining! Den/ 360-202-3086 side dance studio & offers small Danya Wolf Great crabbing and clamming. Suzanne Jenkins office w/ French doors. Downstairs 2 bedrooms, kitchenette & ½ BA, laminate 360-708-8294 Just the place for your dream 360-941-2983 full bath, large rec room & plenty of storage. 2 floors. Other side Optometrist office also w/ ½ home on Semiahmoo Bay. MLS# 440315 plans to choose from or work with builder for BA. MLS# 535417 your special design features! MLS# 475304 1508 LINDSAY LOOP #105, MOUNT VERNON $210,000

8191 MAPLE AVE, LYMAN

$149,950

Beautiful Condo 2 bd. plus a den.

2 ba. rooms, Granite counter tops, vaulted ceilings, large tile master shower, Great floor plan.

All on one floor w/ no steps. 2 Nicely remodeled home w/ new car garage wi/ auto sheet rock, wiring, plumbing, opener. insulation, windows, hot water MLS# 394504 heater, Pergo flooring, vinyl Jo Ann Boudreau 360-391-0746

WELCOME HOME! SHANNON LAKE RD, CONCRETE

$130,000 17706 RAY PAUL LANE, LA CONNER

$85,000

Completely remodeled cabin with beautiful mahogany deck.

Marble countertop. One of a kind bathroom shower has view of Olympics. Slate tile and Suzanne Jenkins hardwood floors. 12x12 newer 360-941-2983 outbuilding plus 10x10 outbuilding. $9000 lease. 50ft waterfront. MLS# 560216

Sandy Everett 360-202-3706

OPEN HOUSE SATURDAYInvited!

FEB 1, 24PM You’re 3619 Join TRUMPETER PLACE, MOUNT VERNON $315,000 1601 N.Seminar WAUGH RD, Please Us for a First Time Homebuyer education ! MOUNT VERNON W NE

Donna Kurras 360-770-7596

!

ICE PR

,2 Y1 BU

OR

Great 2980Join sq.ft.Ushome largeTime Homebuyer education Seminar !

Please for w/ a First wrap around deck. 4 bdrm Danya Wolf and 3 bath. Bright and sunny Elva Hunter (360)708-8294 Fourplex tract(s) for $160,000 Danya Wolf kitchen has beautiful cabinets 360-202-3086 (Tract 6) and $170,000 (Tract 5); 360-708-8294 and granite tile counter, lg dining rm. Huge and one five plex tract (Tract 4) for $180,000.00 family room downstairs, bedroom, bath & Building permit ready for thirteen (13) units. utility. Huge garage w/ work/shop area. Great Or,administrative conditional use potential for neighborhood,close to School & College! professional/medical offices. MLS# 574059 MLS# 564724 Danya Wolf (360)708-8294

Carol Harris of PrimeLending is pleased to offer this free Housekey Homebuyer seminar. Please make plans to attend this informative first step to home ownership!

Please call Carol Harris or Danya Wolf Please Us for a First Time Homebuyer education Seminar ! Homebuyer education Seminar ! toJoin Reserve your Place!

Please Join Us for a First Time 3780 E. College Way | Mount Vernon| WA | 98273 Carol(425) 478-1638 Danya(360)708-8294

You’re Invited!

You’re Invited!

Spacious, circular drive to patio, level entry. Quality built & designed w/ vaulted ceilings, Elva Hunter covered deck. Main master w/ 360-202-3086 dbl closet/BA & 2 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

Skagit Tradition Realty in collaboration Carol Harris/ Senior Loan Originatorwith Carol Harris of PrimeLending is pleased to offer PrimeLending this free Housekey Homebuyer seminar. Please make plans to attend this informative first step 5010 Grove Street to homeMarysville, ownership!

WA 98270 Please call Carol Harris or Danya Wolf Cell: 425.478.1638 NMLS: 518858 to Reserve your Place! charris@primelending.com Carol(425) 478-1638 Danya(360)708-8294

February 8, 2014 Senior 10 a.m.

3 p.m.

Carol Harris/ Loanto Originator

Held at : 3780 E. College Way PrimeLending

5010 Grove Street Marysville, WA 98270 Cell: 425.478.1638

Mount Vernon

Danya Wo

(360)708-8

Danya Wolf | Mount Vernon| WA | 98273

3780 E. College Way

(360)708-8294

Skagit Tradition Realty in collaboration with Carol Harris of PrimeLending is pleased to offer this free Housekey Homebuyer seminar. Please make plans to attend this informative first step to home ownership!

Please call Carol Harris or Danya Wolf to Reserve your Place!

Carol(425) 478-1638 Danya(360)708-8294

3780 E. College Way, Mount Vernon

360.424.0300

NMLS: 518858

charris@primelending.com

February 8, 2014 10 a.m. to 3 p.m. www.skagittraditionrealty.com 3780 E. College Way

| Mount Way Vernon|Mount WA | 98273 Held at : 3780 E. College Vernon

12

$475,000

L3 AL

You’re Invited!

siding and a 24 x 24 shop/garage. Also an attached 12 x 24 carport Stainless appliances included in sale. This is a really sweet home located on a quiet dead-end street. MLS# 3780 E. College Way | Mount Vernon| WA | 98273 578151 1087 DIGBY RD, MOUNT VERNON $449,000 Skagit Tradition Realty in collaboration with

T! ON FR R TE WA

Spectacular views of Sauk Mountain, Cascades, Skagit River & valley below close to Everett & Richard Dickman Shannon lakes for fishing. Enjoy 360-420-3155 privacy in a park like atmosphere w/panoramic views. Nice hiking through forest w/ cedar groves. Close to town MLS# 175569.

Custom 2 bedroom, 2 bath cabin on 1.72 acres on Clear Lake Hill.

Open floorplan, skylights, vaulted ceiling, propane fireplace, updated, tiled kitchen and bath floors, jetted tub. Washer/dryer hookups.

MLS# 550105

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Carol Harris/ Senior Loan Originator PrimeLending

5010 Grove Street Marysville, WA 98270 Cell: 425.478.1638

NMLS: 518858 charris@primelending.com

February 8, 2014 10 a.m. to 3 p.m.

Skagit Tradition Realty in collaboration with Held at : 3780 E. College Way Mount Vernon Carol Harris of PrimeLending is pleased to offer

January 31, 2014