Real Estate Weekly August 28, 2020

INSIDE

This Issue CASH GRAB PAGE 5 FLOODING: COULD IT HAPPEN TO YOU? PAGE 7 CLASSIFIEDS PAGE 7

AUG. 28 - SEPT. 3, 2020

RE-Weekly.com

INSIDE

TABLE OF CONTENTS

PAGE

7

Q&A

Ask Our Broker.......................................................................P4

Cash Grab..............................................................................P5 Flooding: Could it happen to you?..........................P7 Classifieds............................................................................P7

RE-Weekly.com To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2020 by Skagit Publishing | 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

Sandi riley 770-8670

442 48TH STREET, MOUNT VERNON

17116 AVON STREET, MOUNT VERNON

$448,900

$596,900

SUN SET VIE WS

55+

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

*OPEN PLAN W/FRENCH DOORS TO PATIO W/’’SUNDOWNER’’ AWNING *UPGRADED ‘’WOODSIDE’’’ HOME W/LOVELY FENCED YARD *2 BEDROOMS, 2 LG. BATHS, GAS HEAT, A/C, GRANITE KITCHEN!

*ENJOY VALLEY & SUNSET VIEWS, QUIET COUNTRY LOCATION! *RUSTIC CHARM, LOVELY LOG HOME W/FULL UNFIN. BASEMENT *3 BEDROOMS, 2+ BATHS, LG. 650 S.F. GAR., + 24 X 36 SHOP W/R.V. COV. STORAGE!

2610 E. SECTION ST. ‘’LITTLE MTN. ESTATES’’ M.V.

$175,500

UN IT # 115

55+

YOUR HOME FEATURED HERE! CALL FOR A CURRENT ‘’MARKET APPRAISAL’’ SANDI RILEY 360-770-8670 2610 E. SECTION ST. ‘’LITTLE MTN. ESTATES’’ M.V.

$178,900

UN IT # 105

55+

1103 COURTNEY LANE, ‘’BURLINGTON HILL ESTATES’’ BRL.

*3 BEDROOMS, 2 BATHS, FAMILY ROOM + NEW MASTER BATH *LOVELY OUTSIDE LOT W/BIG BACK YARD + GREENHOUSE *A/C, NEW COVERED DECK, GARAGE + LARGE SHOP!!

*MARLETTE UPGRADES & QUALITY ! 3 BEDROOMS, 2 BATHS *A/C, ‘’EXTRA GOOD SENSE’’ HOME, BIG KITCHEN W/GORGEOUS CABINETRY *LOVELY FENCED ‘’’VIEW’’ YARD + PATIO, GARAGE + EXTRA PARKING!!

*GATED 55+ PARK NEAR BURLINGTON HILL, CLOSE TO ALL SERVICES *SPACIOUS 3 BEDROOM, 2 BATH + FAMILY ROOM ‘’FLEETWOOD’’ *BIG DOUBLE GARAGE, EXTRA PARKING, AFFORDABLE SPACE RENT!!

2610 E. SECTION ST.’’LITTLE MTN. ESTATES’’ MT. VERNON

10681 ALDER DRIVE, ROCKPORT

6932 STEELHEAD LANE, BURLINGTON

SOLD

$363,900

SOLD

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

*BACK OF PARK PRIVACY, ENJOY 55+ LIVING AT IT’S BEST! *’’SHY’’ 2000 SQ. FT. TRIPLEWIDE BEAUTY, 3 BEDROOMS, 2 BATHS *GAS HEAT, A/C, LG. DOUBLE GARAGE + HEATED SHOP & MORE!

*SAUK MTN. VIEW, MOSTLY WOODED 5 ACRES EAST OF CONCRETE

*R.V. COVERED PARKING, DOUBLE GARAGE, SHOP ++ RIVER FRONTAGE! *3 BEDROOMS, 2 BATHS, LG. FAMILY ROOM + SUN ROOM *NEWER VINYL WINDOWS, OPEN PLAN,..QUIET AREA

*ONE OF A KIND RETREAT W/RUSTIC CHARM, PRIVACY PLUS! *2+ BEDROOMS, 2 BATHS, 2600 + S.F. + LARGE BASEMENT

Christa Canell Freeland Escrow Manager/LPO 360.331.4838

Brandi Jensen Stanwood Escrow Manager/LPO 360.629.9737

Holly Mathers Island County Title Manager 360.675.2246

Katey Von Hagel Marketing Representative 360.707.1076

LAND TITLE AND ESCROW W

2031696

2

Shelley Miner Burlington Escrow Manager/LPO 360.707.2312

ING

CALL SANDI RILEY 360-770-8670

SOLD

Eldon Brown Skagit County Manager 360.707.2158

PEND

CALL SANDI RILEY 360-770-8670

$348,900

Cathy West Oak Harbor Escrow Manager/LPO 360.679.5055

$128,900

CALL SANDI RILEY 360-770-8670

$204,900

publication.

Unless otherwise noted, all photographs, artwork and ad designs printed are the sole property of Skagit Publishing and may not be duplicated or reprinted without express written permission.

Skagit Publishing is not responsible for typographical or production errors or the accuracy of information provided by advertisers.

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Shelley Nevitt Anacortes Escrow Manager/LPO 360.299.0565

Service you deserve with people you trust Visit any of our 5 locations in Oak Harbor, Burlington, Freeland, Stanwood and Anacortes

Ltco.com

2025889

August 28, 2020

STAT Real Estate Stat

682,000 The number of newly constructed homes sold in the U.S. in 2019 Source: U.S. Census Bureau

NORTH PUGET SOUND ASSOCIATION of REALTORS®

FEATURED HomE FRom covER:

525 East College Way, Suite J

1021 S 21St St., MOUNt VERNON

www.npsar.realtor

The Term REALTOR® The term REALTOR® is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics.

Local associations are required to enforce the code of ethics through a Professional Standards Council or Committee.

The REALTOR® Political Action Committee (RPAC) fights for Homeowner and property rights in Washington DC, Washington state and right here in your community.

Using a designated REALTOR® assures that your transaction in handled ethically, and that your rights will be protected now, and in your future as a homeowner.

To find a REALTOR® member in your area, visit www.npsar.realtor and view our member and affiliates lists.

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

August 28, 2020

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$330,000 Skagit Tradition Realty 3780 E. college Way mount vernon, WA 360-424-0300 www.skagittraditionrealty.com

Danya WOLF 3607088294

Nicely maintained Mount Vernon Hill rambler offers 3 beds and 1 bath in roomy 1300+ sq ft of living area. Garage has been converted to additional living space ( used as a 4th bedroom) can be easily returned to garage usage. Spacious, fully cyclone fenced yard has plum trees, a lovely place to enjoy, perhaps with a coffee in the morning or an iced tea in the afternoon. MLS# 1652584

2025918

Mount Vernon, WA 98273 (360) 416-4902

3

Need to get rid of debt?

Question:

We have been checking our credit reports and everything looks great. We’ve been lucky to keep our jobs during the past few months and always make the required payments on time. But we’re running as hard as we can to keep up with our bills and need to get off the merry-go-round. What’s the best way to reduce our debts?

Answer:

For most of us, non-mortgage debt falls into several categories. There’s credit card debt, auto debt, student loan debt, and “other” debt. Such non-mortgage debt totaled $4.2 trillion in the first quarter, a record, according to the Federal Reserve Bank of New York. The big increases have been in student debt and auto loans.

Mortgage debt also reached a historic high. It’s at $10.1 trillion, to touch over the $9.99 trillion we saw in 2008.

Given the huge increase in home values since 2008, it’s surprising that mortgage debt is not significantly higher.

You’re caught in the minimum payment trap. Your credit is fine, but what you see on paper is a distortion; it does not

reflect your worries that a job loss or reduced income could quickly make it impossible to keep up financially.

“It can be difficult to make a dent in your debt if you only pay the minimum balance every month,” explains the Consumer Financial Protection Bureau (CFPB). “If you have money left over in your budget to pay more than the minimum, there are two basic strategies for applying it.

“You can either pay your debts from smallest to largest or focus on repaying the ones with the highest interest rate first. One strategy isn’t better than the other – they each have pluses and minuses to consider.”

You already recognize that your debt situation is precarious. This is a huge first step. You’re not in denial.

So, in addition to a repayment strategy, there are several other steps to take.

Regardless of how much you make, there are always other households that make less. The idea is to live comfortably within our means. You surely can reduce monthly costs, and to do this most effectively, there are two big steps to take.

First, you need to make a list of your debts. All of your debts. The ones you pay electronically, the ones paid

Q&A

ASK OUR BROKER

By Peter G. Miller

automatically, the ones paid by check, and the bills paid with cash. Include household rent or monthly mortgage payments. Next, compare your debts with monthly household income – the money you earn before taxes.

The idea is to get recurring monthly payments below 43% of your gross monthly income. If you can reduce required monthly payments even more, that’s great because it means you’ll have more dollars for saving and debt reduction.

Second, take a look at your list and take a look at your lifestyle. There must be places where you can cut $5 or $10 a week. That may not sound like a lot, but it’s a good way to start. Take those savings and apply them to your debts. Be consistent. Things will seem slow at first, but if you start spending less every month, it will become more comfortable and your debts will go down.

Keep your list of debts and watch how the total balance goes down each month. If you apply your savings to small loans, they’ll fall off system one by one and your credit score will go up, signs that you’re beating the debt monster.

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August 28, 2020

da. “If there are no title issues, a cash sale can close in as little as 10 to 14 days, versus 30 to 45 days typically for a financed purchase.”

But paying entirely out of pocket may not be your best option.

“The biggest drawback to purchasing a home with cash is that you’re not able to use that money for other investments that could earn a higher rate of return than the interest rate you’d likely be paying if you get a mortgage loan—which is currently under 4%,” cautions Brinker. “Instead, financing a portion of the sale while using some or mostly cash can be a great way to diversify your money or build a rainy day fund for future expenses. In this uncertain market, keeping a reserve of cash for unexpected repairs and emergencies can give you better peace of mind.”

Plus, owning your home outright after paying cash “means you can’t deduct the interest you would have paid with a mortgage from your taxable income,” says Karen Parnes, an appraisal. Cash deals don’t broker/owner of NextHome

By Erik J. Martin require an appraisal, although Your Way in Rockville, MaryCTW Features What to expect when you plan to some cash buyers still get mortgage loan can land. purchase a home without financing them. And cash buyers also provide a lifeline for If you have ample liquid funds don’t have the same insurance shoppers seeking to “Cash is king, and most sellers in Fayetteville, Arkansas, today due to the economic available, with plenty of other requirements that a lender claim a home. But if you have would prefer a cash transaction notes. downturn, the truth is that dollars in reserve for emermay require, such as flood the means, you can cut the than dealing with a buyer de- Promising instant dollars it happens more often than insurance and different hazard gency expenses, you’re likely a financing middleman out pendent on getting a mortgage can also provide buyers with many realize. policy requirements,” adds good candidate for an all-cash of the equation and buy the loan, as there’s always a chance greater bargaining leverage; for Staruch.

“Across Arizona, Califorproperty outright with cash. home buy. example, the seller may accept Additionally, a cash purchase something could go wrong An all-cash offer can make you nia, Nevada, Oregon, and However, avoid literally paya lower price if they know the usually results in a quicker with the financing,” explains a more appealing candidate to Washington, cash purchases ing in dollars (don’t show up buyer can pay in cash.

Zachary Staruch, managclosing process. the seller and could fast-track accounted for about 19% of to the home for sale with a “In my market, if you have ing broker with Fort Myers, all home purchases over the “First, you make an all-cash the purchase process. two similar offers where one past few months,” says Robert Florida-based The Pelican offer. Then, the seller accepts, suitcase full of bills); count on First, consider that paying is a full price offer dependent possibly after further negoTeam Real Estate. having the funds transferred with cash isn’t as crazy or un- Taylor, owner of The Real Consider that one of the most on getting a mortgage while from a bank account or proptiation. Next, you have the popular as you may think. Per Estate Solutions Guy, a real the other is 10% lower but common causes of a sale fallhome inspected by a profesrecent National Association of estate investment company erly wired to the closing office. ing through is the buyer being all cash, most people would in Sacramento. “But as you sional inspector, which is Realtors data, 86% of recent “Verify the wiring details with unable to receive financing as accept the cash offer,” Staruch still recommended in a cash might expect, when home buyers financed their home your Realtor and the closing says. planned. prices rise as they have been, purchase. Your title company purchase, which means the agent before sending the monWhat’s more, paying in cash the percentage of cash buyers “But when you offer all cash, issues the title commitment, remainder bought with cash. you can waive your financing means not having to satisfy a tends to decline.” and the deal is ready to close,” ey. I’ve seen people lose their While it may be difficult for lender’s demands. contingency, which is attracThe advantages of using says Bruno Fernandez, broker/ life savings by wiring their many prospective purchasers funds to a scam artist instead founder of Imagine Realty tive to sellers,” Noah Brinker, “When you get a loan for a to fund residential transactions greenbacks instead of a loan LLC in Saint Petersburg, Flori- of a bank,” warns Staruch. entirely from their savings owner of Cash Homes NWA home, the bank will require are multifold.

Cash Grab

A

August 28, 2020

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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 Real Estate Weekly.

RealEstate weekly

Call 360.416.2180 Today!

In print and online goskagit.com ads@skagitads.com

6

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August 28, 2020

Flooding:

buy or sell it with classified ads!

RE-Weekly .com can classifieds CLASSIFIE DS

Could it happen to you?

By Marilyn Kennedy Melia CTW Features omeowners and buyers should think more like professional real estate investment firms, and take a hard look at their possibility of flooding, believes First Street Foundation, a nonprofit aimed at making useful flood risk information available.

Mortgage lenders will require any borrower with a home in a designated flood hazard zone

by FEMA to purchase federal flood insurance.

(Although this insurance is from the government, it’s available for insurance agents.)

If they’re not required to purchase insurance, some owners can feel immune from risk.

The First Street Foundation’s free online tool, FloodFactor.com, which shows risk by specific address for 99 percent of homes in the contiguous United States, identifies some six million more homes at risk than the 8.7 million properties that FEMA maps designate as requiring hazard insurance.

The maps can and

H

August 28, 2020

buy or sell it with classififed ads!

Evergreen Manor Apartments Accepting applications for 1 Bedroom apartments. 62 years of age or older, or disabled adult.

Rent is based on income.

Income restrictions apply, call for details. 360-8538885 Relay: 711 The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis or race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and martial or familial status.

EHO

“This institution is an equal opportunity provider and employer.”

“We accept comprehensive reusable tenant screening reports as defined in RCW 59.18.030.”

Fircrest Apartments Accepting applications for 1 & 2 Bedroom apartments. 62 years of age or older, or disabled adult.

Rent is based on income.

Income restrictions apply, call for details. 360-4199804 Relay: 711 The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis or race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and martial or familial status.

EHO

“This institution is an equal opportunity provider and employer.”

“We accept comprehensive reusable tenant screening reports as defined in RCW 59.18.030.”

Villa Kathleen Apartments Accepting applications for 1 Bedroom Apartments. 62 years of age or older, or disabled adult.

Rent is based on income.

Income restrictions apply, call for details. 360-7559591 Relay: 711 The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities in the basis of race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and martial or familial status.

EHO

“This institution is an equal opportunity provider and employer.”

“We accept comprehensive reusable tenant screening reports as defined in RCW 59.18.030.”

de-junk your life... sell it with classifieds!

PUBLISHER'S NOTICE

All rental and real estate for sale advertising in this newspaper is subject to the Fair Housing Act which makes it illegal to advertise any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention, to make any such preference, limitation or discrimination Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18. This newspaper willclassifieds not knowingcheck the ly accept any advertising for the rental or sale of real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertising in this newspaper are available on check the classifieds! an equal opportunity basis.

To complain of discrimination call HUD at (206) 220-5170.

classifieds work for you! to place an ad call 424-4567

to place an ad call 424-4567 check the classifieds for great values!

should be used together, says Matthew Eby, executive director of First Street.

Consumers can explore FEMA information with an agent or online, learn where their home falls in relation to hazard zones, and explore 10 - January 29, 2019

the price of the federal insurance – which is available to owners outside of hazard zones.

Indeed, over the past few years, FEMA has received over one-third of its claims from owners outside of hazard areas.

The FloodFactor.com

tool is more nuanced than the FEMA maps, taking current data on temperatures, water levels and more. The tool will give a percentage chance of flooding over thirty years.

Owners who use the tool and find a result

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like, “This property has a ‘Minimal Flood Factor’” can ease their worry.

However, if your property reveals say a 55 percent chance of flooding at least once over the next 30 years, “then you get a clearer picture of

THE GLEN AT MAPLE FALLS Recreational lot in sunny Div., 4, renovated park model, covered deck, large gazebo, cedar lined bunkie, fire pit, covered parking for your golf cart & sizable storage shed. 2 pools, clubhouses, laundry, hiking trails including Mount Baker, fully equipped- $49,000. Call Ron at 858-688-0007

2 Bdrm house with loft on 1/4 acre, needs remodeled but is livable, asking cash out $149,500. To view call 520-221-1607 or 360840-3292.

the property,” says Eby. Purchasing insurance isn’t the only option, he adds.

“You might want to get pumps installed or talk with neighbors about what they’re doing, Eby concludes.

REAL ES

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63868 CaSCaDe PaRk PlaCe, DiV 1 lOt 59, MaRBleMOuNt

$227,000

Need to get away? This riverfront property has the serenity you’ve been looking for!

The 3 bed / 1 bath cabin is ready to be your vacation place or forever home, it’s up to you! Cabin has free standing stove to make for cozy evenings indoors, a beautiful deck to enjoy your morning coffee as you listen to the river go by, a fire pit to enjoy the evenings, roast a marshmallow or two! There is a very nice storage building that could be a ‘man-cave’ or a ‘she-shed’!

A must see! Don’t miss this one! Sherry Ruderman MLS# 1642568 360-540-1552

lOtS 2&3 lakeSiDe DRiVe, GleNHaVeN lakeS $49,900 Build your dream home on these two

22904 BuMBleBee laNe, MOuNt VeRNON $950,000

Coming Soon! your home here!

Call today!

7308 HOBSON RD., BOW

$235,000

7 cAr cOVereD PArKiNG 4969 HeleNa laNe #2C78, CONCRete

$89,500 Enjoy the fresh air and gorgeous view as you sip your morning cup of coffee on the porch of this newer park model. For $162/mo and any 210 days/year, this is a perfect get-away. Yet, still so much potential to make it your very own.

Make your way to the park amenities; pools, hot tubs, lake, tennis, basketball, mini-golf and so much more. Then, back to the cabin (roomy with bedroom and loft) and cozy up as you stare into the night sky where you can almost touch the moon and stars.

Sherry Ruderman MLS# 1627851 360-540-1552

44821 kaCHeSS tRail #2C27, CONCRete

$116,500 Want to get away? This piece of tranquility at Lake Tyee is quiet with peek-a-boos of the lake & gorgeous territorial views. The park model is roomy, well maintained & the room addition is extraordinary! You can hunker down and/or be great for entertaining. This beautiful property comes with many extras & is waiting for you to come see. Amenities include minigolf, tennis, basketball, volleyball, horseshoes, beaches, playgrounds, frisbee golf, hiking, etc. Dues $162/mo & 210 days/yr usage.

Sherry Ruderman 360-540-1552 MLS# 1646119

adjoining lots near Glenhaven community amenities: pool, clubhouse, tennis/basketball courts, outdoor exercise area, playground, enjoy nature with trails and trout stocked lake, 2 boat launches, community events; near several area lakes. Easy commute, 1/2 way between Mount Vernon and Bellingham.

New

17180 MeMORial HWy MOuNt VeRNON

MLS# 1628528 $425,000

Suzanne Jenkins

Carla Fischer

360-941-2983 360-982-0010

BuilD yOuR DReaM HOMe iN eaGleMONt!

Great location off of Bow Hill: lightly treed 4.27 acre tractonHobsonRoad,southofSamishHeightsRoad; and located on the west side of the street.

Level, beautifully treed building tract with wonderful sunsets. Power at road.

Danya Wolf 360-708-8294 MLS# 1572369 2xxx uRBaN aVeNue, MOuNt VeRNON

$600,000

New Price 6.98 acre tract zoned Rural Intermediate. Level acreage with great road access both from Memorial Highway and from Avon Allen Road. Stop light and curbs at the intersection. Special Use Permit potential. The Animal Hospital and an espresso stand is across the road to the west. 980 feet along Memorial Highway Danya Wolf (SR-536); 620 feet along Avon Allen Road. 360-708-8294

H StReet RD., BlaiNe New Price

$1,200,000

4629 BeaVeR POND DRiVe S. Eaglemont Golf Community offers an 18 hole Championship public golf course. All utilities are in the street and ready to build.

MLS# 1504177

$105,000

Elva Hunter

360-202-3086

Eighty (80) acres of mostly woods including Western Red Cedar and Douglas Fir, Cottonwood; Alder; and Birch; with onelargepondgreatforduckhuntingtowardthenortherly portion of the 80 acres, some meadows, one small beaver pond, plenty of walking trails or bring your ATV; and an old dug well near the old home site by the southerly edge of the property to the east of the gate. Future homesite/ Pasture land along the southwesterly edge of the property. Potential for up to 16 building sites. Shown by appointment.

Danya Wolf MLS#1568051 360-708-8294

Prime 1 acre level, commercial parcel, subject to boundary line adjustment. MLS#1649968

Danya Wolf

360-708-8294

VeteRaNS

Carla Fischer

360-982-0010

i am pleased and honored to offer a discount to our Military.

Special property on a very private 1.5 acres minutes from town. Custom handcrafted, Craftsman home featuring 2278 sqft, office main level master & second master upstairs. Dining & living room showcasing custom stain glass windows. Kitchen w/ granite counters, handcrafted cabinets. Beautiful oak floors. Detached MIL home 702 sq ft 1 bd & 1 bath w/2 car garage. Separate 1080 sqft. shop & Pond and Waterfall.

Total of 7 garage and shop parking spaces! Car lift included too!

Fabulous home! Danya Wolf Elva Hunter MLS# 1494916 360-708-8294 360-202-3086

for voting US “2019 Skagit’S BeSt” 2 YEArS BESt rEA rEAl EStAtE officE, MoSt coMMUnitY MindEd BUSinESS

360.424.0300

3780 E. College Way, Mount Vernon

www.skagittraditionrealty.com 2025899

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August 28, 2020