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March 4, 2009 [11]

MARCH 2009

Your guide to Real Estate and home buying & selling A D V E R T I S I N G


March Home of the Month

Four Bedrooms Five Bathrooms 4,886 Square Feet Den, Fle x, Wine Media/Bonus 4-Car Garage 12,373 Lot Size 10217 NE 64th Street HOUGHTON Offered at $2,495,000 Learn more at kirklandst

Modern simplicity, organic fusion, intoxicating volume - extraordinary

lake views. Luxurious master with balcony, flex room, limestone-wrapped bath. Dream-inspired kitchen. Moon-lit covered deck with stone fireplace, 1058 sq. ft. rooftop deck, trio of extra bedroom suites, roomy 4-car garage. Smart wired for lights/ sound/media. Ultimate theatre room. Private, lush backyard & patio, backs to greenbelt. Custom designed by Robert Maloney Architects, expertly crafted by Duren Homes. Refresh. Recharge. Renew.

Contact: Natasha Bosch


Could YOU Use an Xtra $8,000? There’s a nice windfall for some homebuyers in the economic stimulus bill signed into by President Obama. First-time buyers can claim a tax credit worth $8,000 on their 2008 or 2009 taxes, starting in January 2009 thru November 2009. A big plus is that the credit does NOT need to be paid back and it is refundable, meaning tax filers see a refund of the full $8,000 even if their total tax bill - was less than that amount. For example, if a homebuyer is liable for $4,000 in income tax, he can offset that $4,000 with half of the tax credit and still receive a check for the remaining $4,000! Adam Billings of Kirkland wrote, “Debbie Walter “I will qualify as a first-time home Realtor - RE/MAX NW buyer, and I am currently set to get a small tax refund for 2008. Does that mean if I purchased now that I would get an extra $8,000 added on top of my current refund?” The short answer? Yes, Billings would get back the $8,000 plus what he’d overpaid. Remember a tax credit is very different than a tax deduction “a tax credit is equivalent to money in your hand, as opposed to a tax deduction which only reduces your taxable income.” This is CASH IN YOUR POCKET! Phase-Out Examples: The tax credit starts phasing out for couples with incomes above $150,000 and single filers with incomes above $75,000. Buyers will have to repay

the credit if they sell their homes within three years. To break down what this phase-out means to home buyers who are over those amounts, the National Association of Homebuilders (NAHB) offers the following examples: Example 1: Assume that a married couple has a modified adjusted gross income of $160,000. The applicable phase-out to qualify for the tax credit is $150,000, and the

[ more $8,000 TAX DEDUCTION page 14 ]

Clive Egdes 206-251-1680

Specializing in Kirkland Properties.

“Exceptional Service, Extraordinary Results” Windermere Real Estate/Central, Inc.



[12] March 4, 2009


Your guide to Real Estate and home buying & selling

Why listen to Len McAdams? Len McAdams

discussion my honest advice was to move. The addition, you see, would over improve their property, and people usually worry a lot about that. After a weekend of looking at other houses and talking about options, they called me back to go ahead with the remodel as soon as possible. You see, they wanted their daughter to have the new

Mountain Views in Houghton!

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ABR, CRS, e-PRO, SRES, GRI, Platinum Producer


Freshly updated, 2 bdrm top floor end unit condo ready for the new owner. Olympic Mt views and gorgeous sunsets are yours to enjoy from the private deck and dining room. A stones throw from new Google complex, Starbucks, PCC. Private BBQ Deck, vaulted ceilings & wood burning fireplace. Small & well managed 22 owner complex with huge pool, low dues, pet friendly. New Price-$265,000

Location + Value=Awesome Deal!

You won’t find a nicer, lower priced newer 2 bedroom in such a coveted location. Quiet & sunny condo facing the greenbelt and sunsets. Spacious living room, nice big kitchen, tons of windows & storage, oversized bathroom, master with walkin closet. Security building. 2 Car Tandem garage & additional huge, secure storage unit. Just down the street from new Google & Microsoft, Costco, Downtown Kirkland waterfront. ADA capable. ARCH Housing Program guidlines apply. $239,000

master bedroom and bathroom for her three years of high school, then they could move in after she graduated. Later, I saw the young woman honored at a Kiwanis function for outstanding youth and saw in her the character and love her parents had fostered. It isn’t always about property value, more often it is about real human values. There are lots more stories, some are funny, some are sad, and a few are best untold, but every tale is about the people. Remodeling of homes only exists because of the exciting and unpredictable nature of our human clients, some of whom have become good friends. Converting their dreams into physical reality composed of sticks and bricks, wood and concrete, is a delicate mixture of art and science. And even if we were to try, the recipe never comes out exactly the same way. So beware young man or young woman, be very careful around construction projects. One toke of the remodeling drug could be all it takes to find yourself looking back in 30 or 40 years on a lifetime of projects with a smile. When my Medicare card arrived in the mail, it just didn’t seem like the guy who set off to conquer the known world just a few years ago could already be eligible.

Just Listed in Downtown Kirkland The location you desire & the luxury you deserve! The most desired floorplan in this contemporary complex, an unmatched location in quiet courtyard for maximum privacy. 2 large West facing private patios take full advantage of the sun. Grand open, flowing floorplan designed to maximize entertaining. Stainless + Granite! Large Master Suite features Walk-in & spa inspired 5 piece salon w/giant spa tub to spoil you. 2nd bedroom is sizable w/walkin closet. 2 large full baths Den office w/built-in storage & shelves. $689,000

A New Year, a New Price....

Gorgeous newer 3 bdrm 2 bath, 2 car gar townhome at Taluswood super close to Microsoft, and Redmond Town Center. Brazilian Cherry Hardwoods, 9’+ ceilings, granite counters, stainless appl, fenced backyard with BBQ deck, hi tech wired & surround sound. Well managed & maintained complex, pet friendly. Location & Luxury in one place. New Price $359,900


ably, until we struck a deal to build the deck. No one ever saw a more efficient deck-building crew. My right hand carpenter at that time was a wizard with wood (whose life would be cut short by cigarettes) and I became the best lumber dragging, shovel pushing, broom wielding laborer on the planet. A few days and a couple of coats of stain later we left our first customer smiling; for me, it was a seminal experience. During the process my client let us know her husband had been diagnosed with cancer and she wanted him to spend his remaining days on the new deck. I was hooked on the intimacy of our craft and would be a remodeler for the rest of my working life. Our company survived that recession as design/build remodelers, and the one in 1996, and the one in 2001. We learned to do smaller jobs, turn down the heat in the office, and add a little effort to each task. Check back with me in 2011 about this downturn and expect the same report. And what fun we have had along the way! Some years ago a couple here in Kirkland asked me to build a new master suite on to their small home, and after some


My Medicare card came in the mail the other day - not such an earthshaking event, really, but the sort of thing that invites rumination. Then a friend from another line of work asked me, “How did you decide to go into the remodeling field?” More rumination: it wasn’t a decision, it was a simple twist of fate. You see, I started building new spec homes in 1980 on my own after several years working in a really well-organized local company. Then one day in 1982, with interest rates at 18 percent for a home mortgage, I was sitting on two finished houses boasting 22 percent construction loans. My days as a Kirkland builder were definitely numbered. In fact, the outlook was desperate! My lumber salesman, who knew how difficult our situation was, called one day with a lead for me. It seems he had taken a call that morning from a colorful lady who literally demanded he find her someone to build a deck on her home. The word she used was imperative - it was imperative she have a deck built immediately. Within hours, I was sitting in her living room listening to story after story, nodding my head agree-

March 4, 2009 [13]


Your guide to Real Estate and home buying & selling

Taking The Real Estate Investment Plunge

Realty Times

Just like buying a home to live in, taking the real estate investment plunge requires taking stock of your financial goals, planning and lifestyle before taking the plunge. Pretty much like buying any property. If you’ve got the time, the money and the lifestyle that lends itself to managing a real estate investment, you are just about half way there. However, both halves are pretty big halves. The National Real Estate Investors Association says you’ve still got a lot of work to do. Here’s what. Buy your own home first. Buying a home will not only put a roof over your head, but also teach you the true cost of property ownership beyond the monthly mortgage payment; give you a primer on financing; school you on how location and changing market conditions affect property values; give you the angle on tax and other home-owning benefits; help you learn about property maintenance; introduce you to a host of professionals who could prove invaluable when you really get into investments; and otherwise get you grounded for higher studies in real estate investments. Even before homeownership, the involved process of buying a home provides basic information that later could prove invaluable to you as an investor. What’s more, your first home could later become your first investment property, a property in a market with

which you are familiar. Go back to school. A booming real estate market that pushes your home value up by double digit percentages in the first year doesn’t make you a market mogul any more than a housing bust should scare you off. After you buy your own home, turn to the Internet, libraries of books by reputable authors, successful, credible investment groups, college and university level courses, even your state’s real estate license program. Become your own expert. You aren’t required to sell homes just because you take a real estate class, but what you’ll learn attending one will certainly give you a leg up on your investment moves. Individual real estate investors, your Realtor and others who you meet on the way to homeownership should also be valuable resources, both for information and perhaps as a mentor. Using more than one resource will help you cancel out the bad information and ferret out the good. The internet is a wonderful tool for beginning your foundation of information but don’t rely on it 100% as there is no control on the accuracy of the information you may be receiving. Get professional help. The same way you find any competent, trustworthy and honest professional is the same way to look for a mentor, investment partner with prior knowledge or investment group. Seek referrals from friends, family, professionals with whom you already conduct business, co-workers and others you trust who’ve recently had a satisfactory, successful experience investing in real estate.





Modern simplicity, organic fusion, intoxicating volume & extraordinary lake views. Tranquil & serene setting on rare, oversized lot along lush greenbelt, only two blocks to the waterfront.


Someone who already knows the ropes will come in handy when you are on the ropes. And chances are, no matter how hard you study, you’ll need professional help to acquire your investment and later, beyond the buying stage, when questions arise, property management issues surface or you get bogged down by your new endeavor. That’s particularly true if you invest from a distance and buy investments away from your primary residence. Learn your investment market. One market’s bubble could be one investor’s boom and another investor’s bust. A home in one market could give you vacation rental income in a half year sufficient to cover the cost of principal, interest, taxes, insurance, home owner association dues, upkeep and other costs, but still not appreciate. Another home in another market may not bring you sufficient rent in a year’s time to cover the cost of owning the property, but might appreciate more than enough to make up for your carrying costs over the long term. The variables are endless and you’ll need to measure your capacity for risk against market conditions. This is where education and professional help come in. Your education should teach you not only by rote, but also how to find the answers you need. The pro is your point person and backup to help you fill in the gaps with experienced guidance.

Bold, Sophisticated, Distinctive. Enjoy dramatic lighting, unique industrial accents, interesting angles, & fresh accent walls. Flexible den space, Downtown Kirkland at your doorstep.




[14] March 4, 2009


Your guide to Real Estate and home buying & selling

[$8,000 TAX DEDUCTION from page 13] couple is $10,000 over this amount. Dividing $10,000 by $20,000 yields 0.5. When you subtract 0.5 from 1.0, the result is 0.5. To determine the amount of the partial firsttime homebuyer tax credit that is available to this couple, multiply $8,000 by 0.5. The result is $4,000. Example 2: Assume that an individual home buyer has a modified adjusted gross income of $88,000. The buyers income exceeds $75,000 by $13,000. Dividing $13,000 by $20,000 yields 0.65. When you subtract 0.65 from 1.0, the result is 0.35. Multiplying $8,000 by 0.35 shows that the buyer is eligible for a partial tax credit of $2,800. Remember, these are general examples. You should always consult your tax advisor for information relating to your specific circumstances.

Homes that Qualify:

The tax credit is applicable to any home that will be used as a principle residence. Based on that guideline, qualifying homes include single-family detached homes, as well as attached homes such as townhouses and condominiums. In addition, manufactured or homes and houseboats used for principle residence also qualify.

Homes that Qualify:

More good news is there is an extension on the additional tier of conforming loan amounts which had been first established in 2008. This tier of home loans are those greater than $417,000, and with a maximum that depends on the area, but is not greater than $729,750. These loans will again be eligible for rates that are slightly higher than conforming loan rates, but less expensive than the standard jumbo loan rates. In our Puget Sound area, the dollar amount is $506,000.

More Help for Homeowners in the Future:

Another thing to keep an eye on in the coming weeks is President Obama’s plan to help struggling borrowers before they are faced with a default on their mortgage. According to reports, the Obama administration is discussing plans to help borrowers who are struggling to stay afloat, but who have not yet fallen behind on their payments. At this point, details are scarce; however, reports indicate that President Obama is looking to spend approximately $50 Billion to directly help homeowners before they face foreclosure and financial disaster. While this is good news for individual homeowners, it will likely be good for the housing industry as a whole. That is because, assisting struggling borrowers before they default should help stop the wave of foreclosures, which are estimated to top two million this year. That, in turn, will help stabilize home prices. The Economic Stimulus Plan is huge, and impacts a number of industries. I have highlighted just some of the major provisions that may impact you now and in the future. Did You Know That You Need A Job, A Good Credit Rating and Promise To Pay The Lender Back Before You Can Get A Loan? You must have heard about Fannie Mae and Freddie Mac? Because it’s important to me that you get the ‘Straight Talk” I thought I would take a minute and interpret for you exactly what it means and how it will impact you personally. First a little history: A few months ago the federal government took action to shore up Fannie Mae & Freddie Mac. So here’s what’s going on now: Freddie and Fannie have lost about $14 billion dollars year to date. Now the guys at the top of both companies are getting kicked out, and there have been some revelations

of poor management as well as the possibility of cooked books. So the Fed is stepping in, and putting the companies into conservatorship. Sort of like Chapter 11 reorganization. They’re going to buy around 100 billion dollars worth of Fannie and Freddie mortgage backed securities. This is a big deal, because not only does it show the government’s commitment to keeping these companies afloat, but also because it can have a positive effect on rates. What we can expect is more of what we’ve seen in the past year. Lenders have gotten away from the very loose underwriting guidelines of the last several years. Borrowers will really have to have their ducks in a row with good documentation, & credit issues dealt with in advance. So here’s the bottom line - Mortgages are going to continue to be available with good rates, but lenders are going to be very strict in their underwriting. Why am I sharing this? Because it is absolutely critical before you start looking at home ownership for FirstTimers and/or Move-Up Buyers, you want to connect with a reputable Mortgage Broker, Credit Union, Bank or Lender who can determine if and what you are qualified and preapproved to purchase. This will allow your skilled Realtor® to negotiate the very best deal for you! Good Luck and I encourage you to be VERY excited that we now have 8,000 additional incentives to participate in the many joys of home ownership! For further information or suggestions on future topics, please contact Debbie Walter @ or (206) 930-8699. Debbie is a REALTOR® with RE/MAX NW Realtors in Kirkland. Debbie is a member of the National Association of Realtors (a trade organization that promotes real estate information, education and professional standards).

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March 4, 2009 [15]


Your guide to Real Estate and home buying & selling

Struggling Market? Now Is the Time to Buy

(NewsUSA) - Maintenance costs are up, home values are falling and states are seeing more foreclosures than sales. But terrible times for homeowners make for terrific investment opportunities. Why? The market sees constant ups and downs. Buying when the market’s high means greater upfront costs. And because the market cannot rise indefinitely, property investors must constantly watch for the bubble to pop. In a down market, the question is not “if,” but “when” the market will improve. If investors can buy properties at rock-bottom prices, they can afford to maintain the home until the market improves. At that point, the investor can sell the home both to recoup their buying and operating costs

and to make a profit. Some companies are looking to profit on the down housing market. Deer Park Development Corporation, a Nevada-based company, is purchasing foreclosed homes in Arizona, Nevada, California and Florida, some of the areas most affected by the down market. Nevada, for example, sees more foreclosures than any other state; million-dollar properties can be bought for half their building costs. Between May and June, Californian banks foreclosed on 40 percent of the homes on the market. Deer Park Development Corporation’s agents and brokers draw on 35 years of experience; they have seen down markets before, so they can easily identify promising properties. When Deer Park Develop-

ment Corporation finds a home that it wants to acquire as an investment, it works with the homeowner or bank to purchase the home at a 50 percent discount. But the company does not profit at homeowner’s expense. It negotiates with homeowners so that people can rent their homes after the sale. When the original homeowner’s lease expires, Deer Park Development Corporation allows former homeowners to repurchase their properties for a predetermined price. In this way, the company invests in the down market while also helping down-and-out homeowners. Currently, the company is searching for investors. For more information,

Foreclosures Open Up New Market (NewsUSA) - To some, the current real estate market looks dismal. A weak labor market, rising mortgage rates and high energy prices have caused many American homeowners to lose their properties. To others, the real estate markets looks ripe for investment. Deer Park Development Corporation, a company with over 30 years of experience in the real estate market, has developed a new approach for investors hoping to purchase and resell foreclosed properties for profit. Foreclosed houses sell at lower prices, helping investors buy properties with less money upfront. In the past, housing prices reflected overinflation; as the market evens out, the mortgage crisis might actually help stabilize home prices. Marty O’Malley, CEO of Deer Park Development Corporation, noted that the current real estate market represents a once-in-alifetime opportunity for the astute buyer. “With one in every 360 homes in foreclosure nationwide, the opportunity to buy distressed property at significant discounts to their original appraisals is extensive,” said O’Malley. “In Clark County, Nev., one in every eighty homes

put our knowledge ON YOUR SIDE

Gary Penitsch

Teri Lane, ASP

is in foreclosure, and on top of those statistics, one in every two homes is underwater, meaning that it’s not worth the amount of money owed on it.” With this amount of inventory on the market, there are situations out there that present themselves as profitable ventures. Not all of the foreclosures are money-making deals, but with experience, professional investors know when and what to buy, so they can make successful ventures. Being an individual investor in the real estate market can be a dangerous proposition for the inexperienced. But investors, in tying themselves to a group of experienced real estate players, can use experts’ hard-earned knowledge to turn a profit in the down real estate market. “Allowing individual investors to participate in ownership through direct partnership creates a risk-free vehicle for foreclosure players to work with,” said O’Malley, For additional information, visit Deer Park Development Corporation’s Web site at or contact Capital Group Advisors at 954-297-0706.



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Lodge Living Off Market


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[16] March 4, 2009


Your guide to Real Estate and home buying & selling

Real Estate Sales in Kirkland, WA January 16, 2009 - February 28, 2009

Residential Housing in 98033 10439 NE 112th St 12106 NE 108th St 10710 NE 107TH Pl 11245 NE 100th St 1510 5th Pl 10608 NE 58th St 13126 NE 104th St 12316 NE 97th St 11228 NE 67th St 348 Slater St S 11322 106 Ave NE 325 6th Ave S 718 19th Ln W 712 19th Ln W 1002 State St 1006 5th St 181 Lake Ave W

$270,000 $275,000 $385,000 $440,000 $550,000 $550,000 $567,000 $650,000 $658,000 $685,000 $760,000 $899,950 $940,000 $950,000 $975,000 $1,200,000 $3,100,000

Residential Housing in 98034

8507 NE 135th St 12807 NE 144th Way 9425 NE 126th Pl 11224 NE 141st Pl 13919 101st Pl NE 12719 NE 135th St 13012 96th Pl NE 13122 86th Pl NE

$270,000 $286,000 $320,000 $325,000 $395,000 $435,000 $440,000 $468,890

Residential Housing Averages Average. List Price - $731,835 Average Sales Price- $671,794

Condos/Townhomes in 98033 11010 NE 68th St 521 7th Ave 919 5th Ave 11245 NE 100th 602 5th St

$130,000 $245,000 $299,960 St $440,000 $650,000

11228 NE 67th St


Condos/Townhomes in 98034 12505 NE 143rd St 12707 NE 120th Str 12515 NE 145th Pl 12744 116th Ln NE 12429 NE 130th Ct 11309 NE 128th St 13356 NE 134th Pl

$124,500 $125,000 $137,800 $177,000 $195,000 $230,000 $400,000

Condos/Townhomes Averages Average. List Price - $304,728 Average Sales Price- $293,251

Kirkland Real Estate Next Issue Date April 1, 2009


Get More Of Your Local News.



March 4, 2009 [17]

Real Estate Professionals G.G. Getz... Results!!!

Associate Broker, CRS, GRI, ABR, ALHS

425.822.5100 cell 206.915.7777

Prudential Northwest Realty Associates, LLC Fine Homes International Division

Bus 425-822-9600 Cell: 425-458-4142 5914 Lake Washington Blvd., Kirkland, WA 98033


Melinda Skogerson Vice President Fine Homes Specialist

An Independently owned and operated member of Prudential Real Estate Affiliates. Inc.

Windermere Real Estate/East, Inc


Laura Westlund Realty Inc “Kirkland’s realtor for 30+ years” 1320 Market Street, Kirkland 98033


Patrick O’Neil Sr. Account Manager Email:


Fax (425) 576-8187 14450 N.E. 29th Place • Bellevue, WA 98007


(206) 930-2202 Office

Realty Inc. and Assoc

STACY BOUSKA 425.891.8140




See my list of Kirkland’s Hottest Buys at!

425-803-0294 Real Estate Center


objective information = informed decisionsTM

Private tours of bank owned & short sale homes available.

Windermere Real Estate/East, Inc

(4 2 5 ) 7 6 6 -8 0 1 9 n a t a s h a @


twist of green.) 188891

(Traditional homes and those with a


REAL ESTATE PROFESSIONAL Your community newspaper!

206-390-9722 (Direct)

Windermere Real Estate/SCA, Inc.


Here are just a few of the many locations to pick up your copy Kirkland Reporter Office: 720 Market Street Kirkland Library: 308 Kirkland Ave. Kirkland Community Senior Center: 353 Kirkland Ave. Kirkland Downtown Association: 111 Park Lane North Kirkland Community Center: 12421 103rd Ave. N.E. For home delivery, email or call 1.888.838.3000.

To advertise, call Mike @ 425.822.9166


Your Local Advantage.

[18] March 4, 2009

Kirkland/Yarrow Bay Office 3933 Lake Washington Blvd NE, Suite 100


Windermere Real Estate/East, Inc.

Natasha Bosch 425-766-8019

G.G. Getz 206-915-7777

Heidi Bright 425-820-5343

Kathryne Green 425-766-1315





Kathy Magner 425-803-9457

Craig Gaudry 425-576-5555

Carlene Sandstrom 206-910-366



Piece-of -Art Contemporary with State-of-the Art View. Plunge yourself into the view & your toes into the lake! Seconds from Kirkland waterfront fun. 4010 sq ft of interesting curves & angles. 915 1st St S; Kirkland GG GETZ 206-915-7777


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Lowest price/sq ft of any new construction W. of market + largest lot by 2-3 times others-17,726 sq ft! Custom daylight rambler with Main Floor Master, Great Room, Den, Rec Rm & Media Room. GG GETZ 206-915-7777

Sunlight bathes this 4 bdrm charmer, nestled in a park-like setting w/amazing landscaped yard. Views of city, mtns, Lk WA & sunsets. Two-story entry, hdwds, media rm + den, A/C. 2 Car Garage Alley Access. KATHRYNE GREEN 425-766-1315





This West of Market luxury home is positioned in one of the best settings Kirkland has to offer taking full advantage of the panoramic views of Lk WA. Innovative design & luxuries for today’s lifestyles. CRAIG GAUDRY 425-576-5555

Marilyn Carroll 425-444-6910



This luxurious Marina Pointe condominium in downtown Kirkland offers stunning views of Lake Washington & marina. Spacious end unit features 2 bdrms, 2 ba, den/office & 2,015 sqft of living space. CRAIG GAUDRY 425-576-5555



Walk to Denny Park, gourmet chef’s kitchen, main floor master ste w/5 pc Bath, lower level ideal for wine cellar/media room. Perfect for the most discriminating buyer. KATHY MAGNER 425-803-9457



Fabulous Remodel. Kitchen, Baths, Windows, Textiles, Deck, Carpets & Paint! 4bed/2bth in the heart of Kirkland. Walk to award winning LK WA Schools. New Juanita village, shops, restaurants & beaches! Excellent access to 405,Microsoft & Google. CARLENE SANDSTROM 206-910-3662





First time on market in 65 years! Level, sunny, phenomenal location featuring 16,289 sq. ft. lot. Evergreen Point Road Estate-Quality property! More photos at: HEIDI BRIGHT 425-820-5343

New Price! Edgy & modern 1 bdrm + den at SoHo. Immaculate, 1st floor w/private patio in lush garden setting. 10’ ceilings, unique accents, walk-in closet, secure prkg/ entry. Dues only $189/mo! NATASHA BOSCH 425-766-8019 188522

Private home on rare 9,000 sq ft corner lot w/partial lake & mtn views. Chef’s kitchen opens to inviting family room w/stone fireplace. 4 bdrms, w/5th bonus or bdrm option upstairs & den downstairs. KATHRYNE GREEN 425-766-1315

Kirkland Real Estate March 2009  
Kirkland Real Estate March 2009  

Your Guide to Real Estate home buying & selling