Homes & Design / Home Buyer April 2021

HOME IMPROVEMENT

A pril 2021

Homes & Design HOME Buyer,Owner &Renter FEATURING

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Amp up your spring cleaning routine with these hacks

touchups and cleaning saves tons of time.

“For super fast touchups, I keep a canister of cleaning wipes handy. I prefer naturally-derived Art of Green wipes because they seriously cut through scum, and the scents are amazing. Best of all, they’re safe for use around kids and pets and protect sensitive skin,” says Chase.

“Clean” your cleaning supplies.

2.

Deodorize your mop by adding 3/4 cups Pinalen Original to a gallon of water,

soak your mop for an hour, scrub and rinse.

“I switched to Pinalen Original because it is made with real pine oil, which makes it a powerful multipurpose cleaner. Plus, I love the scent,” adds Chase.

really disinfect and deep clean 3. Tonon-porous floors, add 1/3 cup of

CLORALEN Disinfectant Bleach to 1.5 gallons of water and mop or scrub and let dry. You’ll be surprised what comes off and how much they’ll sparkle.

To sanitize countertops, kitchen sinks 4. and the outside of appliances, mix 1 tablespoon of bleach with 1 gallon of water

and apply. Let stand for at least two minutes and dry.

To clean baseboards without bending 5. and crawling, rubber band a microfiber cloth over the bristles of a broom. Spray the cloth with your favorite cleaner and scrub.

No aching back!

To make an easy shower door scum 6. remover: mix four parts water to one part fabric softener like Ensueño Max, spray onto scum, wipe off with a sponge and rinse with warm water.

(STATEPOINT)

With a plan of attack and the right tools and strategies, your spring clean can be fast, efficient and painless.

PROSTOCK-STUDIO / ISTOCK VIA GETTY IMAGES PLUS Spring Home Improvement

Homes & Design Spring Home Improvement April 2021 Published by Southern Lakes Newspapers LLC 1102 Ann St. Delavan, WI 53115 262-728-3411

Homes & Design Spring Home Improvement featuring

Home Buyer

For advertising opportunities, call 262-725-7701, ext.

134, or email vicki@southernlakesnewspapers.com SPECIAL SECTIONS: Tracy Ouellette CREATIVE/PRODUCTION DIRECTOR: Heidi Schulz ADVERTISING: Vicki Vanderwerff SECTION DESIGNER: Jennifer DeGroot

APRIL 2021

Create cleaning caddies for every 1. bathroom, the kitchen and garage.

Having all of your supplies ready for quick

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

Spring is a great time to refresh your home. Whether you’re planning a major clean sweep or just giving problem areas a little extra TLC, experts say that a few simple strategies will make the job easier and the fruits of your labor last longer.

“When tackling your spring cleaning, checklists are key. The best thing you can do is to plan ahead and make sure you have everything you need to get the job done, which will save loads of time.

Second, work room by room until each area is clean. Jumping place to place makes accomplishments take longer and it’s harder to see big results,” says Erin Chase, founder of 5DollarDinners.com, mom of four and “Cleanfluencer” for AlEn USA. To make larger spring cleaning tasks easier and keep your house smelling fresh every day, Chase is sharing her top hacks to get the best results from those larger cleaning tasks:

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APRIL 2021

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Ready, set … refresh!

Revitalize your most-used spaces

away from clean utensils.

Simply, “lift and sift” to clean drawers.

Have the cold winter months left your home feeling a bit dirty, drab or disorganized? Are you feeling the urge to purge?

Then it’s time for some spring cleaning. With a few simple tips and tricks, your home – and mood – can be refreshed and revitalized.

For the biggest payoff for your efforts, focus spring cleaning in the areas of the home that are used most: the kitchen and bathroom.

Banish bathroom battles From towels to toiletries, bathrooms collect a lot of “stuff.” Keep the daily-use items and purge the rest. If you have limited shower space, use a suction shower basket or shower caddy to hold shampoo and soaps. Add an over-the-tank toilet paper holder to store extra bath tissue and keep it out of the way. Just like the kitchen, utilize small baskets or HEXA in-drawer organizers to keep everything from makeup to medicine easily accessible and in the right place.

Clear kitchen clutter According to research from the Mayo Clinic, de-cluttering can have a significant positive effect on your mental health and well-being. To start your refresh, toss anything that’s expired or no longer being used. Use a wall-mount spice rack to free up shelf space and keep ingredients within easy reach. Add sanity to the silverware drawer by giving all gadgets their own spaces with Spectrum HEXA In-Drawer Organizers.

HEXA organizers feature a unique, six-sided honeycomb base design that offers a sturdy foundation while allowing crumbs to fall through its base

Conquer cluttery cords Conquer cords and countertop clutter by utilizing vertical spaces. Add shelves to walls to hold towels or smaller items, and add over-the-cabinet accessory baskets to the insides of cabinet doors. These easy-toinstall organizers keep items like your blow dryer, straightener and curling iron out of sight, but within arm’s reach, for a faster morning routine.

For more organizational products, visit www. spectrumdiversified.com.

(STATEPOINT)

mitigate against wildfire risk if homeowners live in an area where these are common.”

Here are three additional tips O’Rourke recommends:

Mitigate wildlife risk Well-planned landscaping can help mitigate wildfire risk. Homeowners who live in areas with dry climates that are susceptible to wildfires should evaluate their landscaping – if laid out in a certain way, it might increase your home’s insurability.

“The plants surrounding a house have one of the greatest influences on its chances of survival,” said Douglas Kent, wildfire expert, author and professor of land management at California State Polytechnic University, Pomona.

Plants within the five feet closest to your home should be fleshy and moist, as they are reluctant to produce a flame. Instead,

they’ll sizzle and wilt when exposed to flames and heat. If properly maintained, these plants can catch and extinguish a firebrand.

O’Rourke notes that homeowners who don’t live in fire country can also take precautions to protect against fires.

“Trimming tree limbs so they’re at least 10 feet away from your home and pruning unruly bushes can help prevent fires caused by lightning strikes, for example, from jumping onto your roof or exterior walls,” he said.

Check your coverage Before hiring expert help, inquire about coverage. Some gardening jobs may take an expert to complete. However, this brings added exposure to a homeowner if they don’t check on coverage from the INSURANCE • CONTINUED ON PAGE 12

Regardless of how you may want to enhance your landscape to better showcase – and enjoy – your gardening prowess, it’s a good idea to speak with your insurance agent after making any significant changes to your property.

STOCK PHOTO Spring Home Improvement

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

Days are getting longer and warmer, inspiring many to want to spend more time outside. Lots of people enjoy gardening this time of year – it’s an outdoor activity families can do together, especially if parents are looking for ways to keep their children occupied. It’s also a great way to get some fresh air, light exercise, relieve stress and add to your home’s curb appeal.

“Sprucing up your landscaping with some new flower beds and shrubs can give your home a refreshed look,” said Christopher O’Rourke, vice president of property claims at Mercury Insurance. “A well-maintained yard can also help protect against common homeowners insurance claims like water and fire damage. For example, keeping gutters cleared of leaves and debris can help prevent blockages that might direct water into the home. Regularly mowing the lawn, pruning bushes and keeping the yard free of grass clippings and twigs is aesthetically pleasing and can help

APRIL 2021

Homeowners insurance tips to know before planting flowers or vegetables

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Attention: Local Area Home Owners To Get Opportunity of the Year…

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

APRIL 2021

Frustrated Contractor is “Giving Away” $3,151 Furnaces for $1,275 with Off-Season Central Air…

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(This is the ”Hottest AND Coolest Deal of the Year” … especially if your furnace is over 10 years old) Yes, it’s absolutely true. You can actually replace your old (and probably very inefficient) furnace and air conditioner as a package for at least $1,876 less than you would have to pay at any other time.

Let me explain. Every year, the months of January, February, March and April can “Kill” my business. I end up losing a ton of money during these “Killer” months and it can take me the remaining eight months to make up for them. And I’m looking for the same thing to happen this year.

My Problem Is Your Opportunity I’ve decided to give up trying to make a profit during the “killer” months. If I can only minimize my losses during January, February, March and April I will come out ahead in the other eight months.

Here’s how this (admittedly daring) offer came about. Every year, the big manufacturers of air conditioners have to guess how many to build to meet the demand. Of course, they’re never exactly right.

So, they always have some inventory they must hold over until the next summer season. I went to one of my distributors and they allocated 44 premier air conditioners and furnaces. And, because of the quantity and time of year, I was able to buy them at drastically reduced, dirt cheap, out-of-season prices. They are brand new 2020 models. And they are NOT the seconds or “blems” or standard “builder” models. They are factory-fresh, premier air conditioners and furnaces and have a full factory warranty.

Here’s How You Can Get A Furnace For Peanuts By putting this furnace and air conditioner package together (then “Jaw-Boning” the distributor) and committing to a do-or-die purchase agreement of these systems, I was able to buy both the furnace and the air conditioner for less than anyone should have a right to pay!

So, if you buy one of these normal new, premier air conditioners, I am “giving” you the furnace and all I ask for is the $1,275 it costs to have your furnace installed.

Here’s How Just call me at 262-248-2103 anytime. We will come out and measure your home (and determine the availability of the proper size).

Don’t forget, I only have a limited amount of matched systems. When they are gone, this remarkable offer ends also. I will show you the real world price on the air conditioner that fits your home. Then, I will show you the substantial savings now. And it will include all labor and installation materials. Nothing is left out.

The Concept Is Simple Really By letting you win big now, I will win at the end of the year. I’m betting that if I make you an offer that is “irresistible” (at least it should be if your furnace or air conditioner is over 10 years old) and I barely mark it up above the price I paid, I will accomplish two things: 1. I will cover my rent, utilities, insurance and taxes in the “killer” months.

2. I can pay my professional staff and technicians to work instead of paying them to sit at home.

If I can accomplish these two objectives, I will minimize my losses and the rest of the year, I can be a winner.

Keith Nissen King of Comfort

No Obligation Even after I completely explain the installation, there is absolutely no obligation. If you decide you don’t want to take advantage of the spectacular savings… that’s okay. I will give you a surprise gift worth $60 because you are kind enough to read this ad and give me a chance to solve my problem. I want you to think well of Master Services Plumbing, Heating & Cooling, even if you don’t buy.

You Can Buy With NO Cash You don’t even have to pay me right away. I have set up a bank rate financing plan. Consider this. If you decide to make monthly investments instead of paying cash the entire amount of your payments might be more than offset by the savings on your utility bills. It’s like “having your cake and eating it too”.

Ironclad Guarantee I’m so confident that you will save at least 25% on your cooling and heating bills (I’m projecting more like 35% +), that I will pay you Double The Difference for two years if you don’t! I’ll show you exactly how this works. There is no way you can lose. Your lower utility bills will help you save big. And I will even double your savings if you save less than 25%. If these premier systems were not among the best on the market, I couldn’t afford to make such a promise.

Why This Offer Can’t Last You must act before April 15th. Here are two reasons why.

1. I only have a limited amount of pieces of equipment. When all of the air conditioners are sold and all the furnaces are “given” away, that’s it. There are no more at this price.

2. If I have any of these systems that are left on April 15th (although I doubt I will), this offer still ends. Here’s why. The only reason I am making this virtually no-profit (for me) offer is because of the “killer months”. My business always picks up about May first. Since these furnaces cost me so little, I can sell them at last years prices next November and December and still come out ahead. Give me a call now at 248-2103 and I will set an appointment for your no-obligation survey.

Lake Geneva WI 262-248-2103

www.masterserviceslg.com “We Think You’re Kind of a Big Deal” © 2001 AT500

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Live, eat and play in style Streamline your outdoor living areas

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Cleanup and repairs Howard Clean-A-Finish Wood Soap easily breaks down grease, grime and wax on all wood surfaces. It effectively cleans without ammonia or bleach by using a traditional blend of gentle yet powerful, natural soaps. Use it also on plastics, upholstery, carpet and vinyl.

Blue Bear Paint and Urethane Stripper is Franmar Chemical’s effective, effortless and odorless coating remover made from soybeans and natural elements.

Briwax ChaiRX is an easy solution for

Build this comfy Swing Bed using a downloadable plan, tools and supplies from Woodcraft.

repairing loose chair joints. Inject ChaiRX into a small hole you drill in the joint, and the thin unique formulation will penetrate the wood cells to permanently swell the joints and bond them together. In 12 hours, the chair will be wiggle-free. For other gluing tasks, consider Titebond III Ultimate Waterproof Glue, a waterproof adhesive designed for interior and exterior use that has superior strength, is unaffected by finishes, and cleans up with water.

Ryobi handsaw from Gyokucho, also a powerful cutting tool, has ripping and crosscutting teeth on opposite sides and an adjustable pivot point for angled cutting in tight spaces.

Norton Hand Sanding Kits cover most sanding chores. Detail Sander fits well in hard-to-reach places. Finishing Block Sander makes general sanding quick and comfortable.

The Montana Brand 4-in-1 Drill and Driver comes in a 10-piece set that includes Building all you will need to drive No. 6, No. 8, No. 10, and No. 12 screws. Add the Montana For layout tasks, pick the Pinnacle Brand 3-Piece HD Self-Centering Plug Combination Square – blade, square Cutter Set – unique in the woodworking head and center finder. The 12-inch blade features extra fine graduations in 8ths, 16ths industry – and you are ready to build in the outdoors. and 32nds. Combination head has a scribe For fastening, consider the handy and spirit level.

Freeman 23-Gauge 1-inch Pinner and Saw wood to size with the Festool 2-inch Brad Nailer Combo Kit. CARVEX PS 420 EBQ-PLUS Jigsaw that can cut up to 4-3⁄4-inch wood beams, as OUTDOOR • CONTINUED ON PAGE 12 well as aluminum and steel. The Razorsaw

APRIL 2021

SUBMITTED PHOTO Spring Home Improvement

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

e ready when spring arrives to get busy sprucing up your home’s exterior and its outdoor living space. Invest family time to envision which projects would transform it into a more organized, inviting retreat from the hustle and bustle of everyday life.

Do doors, door frames, porches/railings, gates, decks, patios, and outbuildings need to be cleaned, repaired, repainted or replaced? Do you need more furniture, flower boxes or play equipment like cornhole boards?

Once a project list is made, visit your local Woodcraft store, go online at woodcraft.com, or use a Woodcraft catalog and call 800-225-1153 to stock up on all the tools, materials and supplies you need. Woodcraft store employees can help with advice about products and projects, technical support is available at 800-5354486, and woodcraft.com offers how-to articles and videos.

Woodcraft Magazine Classic Project Plans make it easy to build the inviting Swing Bed (pictured), as well as picnic tables, benches, hand grill carts, potting benches, Adirondack chairs, and much more.

Restoring Outdoor Projects, a Woodcraft blog, offers tips to make Adirondack chairs and other wood pieces and structures look new again.

Download the free PDF at www. woodcraft.com/blog_entries/restoringoutdoor-projects.

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Valid with this coupon only. Valid on Garden Center in-store purchase only.

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Valid with this coupon only. Valid on Garden Center in-store purchase only.

One coupon per customer. Not valid with other offers. Excludes gift cards.

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Serving All of Walworth County

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Cell: 262-215-4000 Office: 262-275-2185

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THANK YOU FOR YOUR BUSINESS IN 2020.

LOOKING FORWARD TO A GREAT YEAR IN 2021!

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HOMES & DESIGN • HOME BUYER, OWNER & RENTER

APRIL 2021

Call Me When Experience Matters!

A little seasonal maintenance can go a long way to a safer, more beautiful and more eco-friendly home.

ORANAT TAESUWAN / ISTOCK VIA GETTY IMAGES PLUS Spring Home Improvement

Outdoor upkeep • Wash window exteriors for a better view; • Clean gutters and downspouts to ensure proper water flow. Neglecting this task for too long can cause rot, mold and damage to your foundation; • Get your patio or deck in tip-top shape for outdoor living – wweep and hose it down, remove patio furnishings from storage, wipe down surfaces and vacuum cushions (or launder them if they’re machine washable); • Inspect lawn equipment and tools for needed maintenance, repair and fuel refills; • Mow the lawn. Trim the edges; and • After the next rainfall, inspect your yard for standing water, which can damage your home and invite mosquitoes. Consider hiring a landscaper to level out an uneven lawn.

HVAC maintenance • Change HVAC filters at least once each season (ideally monthly). Dirty filters make

equipment work harder and cause more wear and tear on equipment. They also increase your energy bill and lessen indoor air quality; • According to Energy Star, 20-30 percent of the air that moves through the duct system of a typical home is lost due to leaks, holes and poorly connected ducts. Consider professional duct sealing for improved energy efficiency and lower bills; • Check to see whether your furnaces and air conditioners bear the ENERGY STAR logo. If not, consider a new unit.

A properly-sized and installed ENERGY STAR air conditioner uses up to 20 percent less electricity than older models, and doing so may make you eligible for a Federal Tax Credit; • Have a technician give your home’s cooling system a pre-season tune-up so that everything is running efficiently by the time warmer weather arrives. You know the “personality” of your heating or cooling unit best, so be prepared to provide the technician with important information. No fact is insignificant, as it may help them diagnose and fix a problem; and • Be sure that all HVACR installation and maintenance is performed only by a qualified

professional. Read company reviews and ask the contractor if they have technicians certified by North American Technician Excellence (NATE). NATE-certified technicians have demonstrated knowledge of today’s increasingly sophisticated heating and cooling systems. To find a NATE-certified technician in your area, visit Natex.org.

Safety • Carbon monoxide, often referred to as the “silent killer,” is odorless, colorless and tasteless. Protect your family by changing the batteries on your carbon monoxide detectors and ensuring you have a detector on each level of your home. When changing a furnace filter, make sure the new filter is correctly positioned and the access panel is securely fastened. Have your home’s furnace inspected and serviced annually by a NATE-certified technician; • Likewise, test all the smoke alarms in your home and replace batteries as needed.

The National Fire Protection Association recommends smoke alarms on every level of the home, including every sleeping room and outside each separate sleeping area.

(STATEPOINT)

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

As the weather warms, there are a few maintenance tasks every homeowner should consider completing. Use this checklist as your guide:

APRIL 2021

Spring maintenance checklist for homeowners

9

To place your ad call (262) 763-2575

SERVICE CORNER Visit Our Newly remOdeled shOwrOOm with OVer 50 wOrkiNg Fixtures 65+ years of experience in your neighborhood!

Many of the trends that shaped the market last year, especially historically low mortgage rates, will continue to drive housing activity in 2021. As you embark on your journey towards your home goals, be sure to have a firm understanding of today’s market conditions.

Complete Bathroom Remodeling

STOCK PHOTO Spring Home Improvement

117 MacArthur Dr., Mukwonago, WI • 262-363-7146 www.martensplumbing.com

Should you buy or sell a home in 2021?

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Here’s what to know

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While the roll-out of the COVID-19 vaccine has left a lot of question marks about the future of the U.S. economy at-large, analysts expect the housing market to remain strong and stable in the coming year.

“Despite the uncertainties of the pandemic, the housing market performed well in the second half of 2020,” says Sam Khater, Freddie Mac’s chief economist. “Low mortgage rates and the ability to work remotely continued to propel demand for housing, which is reflected in home sales reaching levels not seen in 15 years.”

Whether you’re a potential homebuyer, a current homeowner or considering selling, here are some of the biggest takeaways of Freddie Mac’s Quarterly Forecast:

4348 Dam Road, Delavan, Wisconsin 53115 Phone: (262) 728-6050 Fax: (262) 728-2107 arborvistanursery@att.net

APRIL 2021

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We want you to love your home!

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Interest rates are likely to remain low The average 30-year fixedrate mortgage hit a record low over a dozen times in 2020. The low interest rate environment is projected to continue through 2021, with the 30-year FRM expected to average below 3 percent.

Low rates are good news for buyers looking to purchase a home, and homeowners looking to reduce their mortgage payment through refinancing.

Home sales to remain high The demand for housing is expected to remain strong in 2021, creating a favorable market for sellers. Last year, low mortgage rates and the ability to work remotely drove up home sales (the measure of the number of homes sold every month). This year, home sales are expected to ride that wave, averaging 6.5 million for the year.

House prices to grow moderately In the second half of 2020, the high volume of home sales and low supply of housing drove up house prices. In 2021, house price growth is expected to moderate for the full year.

Refinances to start declining Low mortgage rates spurred refinance activity in 2020, BUY OR SELL • CONTINUED ON PAGE 12

SPRING AWAKENING

Start with a spring cleanup Spring cleaning isn’t just for the inside of your home. Your lawn has collected fallen leaves, sticks and other debris over the winter months. Leaving behind this plant matter can smother the growth of your lawn and leave behind unsightly dead patches on the turf. A cleanup will give your lawn room to breathe, so it can take in water and sunshine, as well as any fertilizer or weed control treatments.

Clean up the mower Spring is also time to dust off the

The return of crabgrass is not something to look forward to, however, the good news is, you can get these and other unsightly weeds under control by applying a treatment before they start popping up around your lawn. But keep in mind, it’s important to get the timing just right.

“Timing is critical when it comes to applying preventative weed treatments,” says Brian Feldman, TruGreen’s Director of Technical Operations – North. “Treatment should be applied under very specific soil and temperature conditions. Otherwise, it won’t work and you’ll end up wasting both product and effort.”

To take the guesswork out of weed control, consulting with a lawn care professional – such as TruGreen – can bring you peace of mind and deliver desired results.

Nourish your lawn Spring presents yet another important window of opportunity to achieve a thick, healthy lawn. After being dormant all winter, it will need a dose of food to help it spring back to life and start growing.

Because by summer, your turf will be facing many stresses – heat, drought, insects

Set a simple watering schedule Regular rainfall is optimal for healthy grass. But when the sun is beating down and it’s been more than a week since the last rainfall, you’ll need to supplement the lack of rain with a sprinkler. Luckily, you can keep it simple as most lawns will thrive and grow with one inch of water per week. To keep track, set a few empty tuna cans around the lawn. When they get full – indicating an inch of water – you can move the sprinkler to a different section. Trees and shrubs also need some watering TLC; keep them hydrated also, particularly when temperatures start to spike.

Call your local lawn professional and they’ll create a plan that’s tailor-made for your outdoor living space to get it into great shape this spring.

TruGreen prides itself on designing a lawncare experience founded on customer needs and rooted in science. To find a professional in your region, visit TruGreen.com.

(BPT) Every state and region has unique grass and plant types that present their own needs and challenges. Yet, a thick, green lawn you will feel proud of is closer than you think.

APRIL 2021

As a homeowner, now is the perfect time to start thinking about lawn care again. Spring is your first – and best – opportunity to get your outdoor living space in top shape for the warmer months ahead. And depending on where you live in the U.S., that window begins whenever the soil starts warming.

To help you get ready for a healthy, lush green lawn this spring, TruGreen, America’s No. 1 lawn care company, shares five things you should do:

Get a step ahead of weed growth

and disease. A light application of fertilizer can help your lawn take full advantage of spring growth and have it at its best. Don’t forget your trees and shrubs, too! The amount of fertilizer needed varies with the age and where your trees and shrubs are located, so contact a professional for expert treatment.

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

5 expert tips to renew your lawn

lawn mower, fill it with fresh fuel and get your first mow. The first mowing of the season removes dead blades of grass and encourages the lawn to start waking from its winter slumber.

STOCK PHOTO Spring Home Improvement

11

CALL US FOR ALL YOUR OUTDOOR

landscaping projects!

INSURANCE • CONTINUED FROM PAGE 5 contractor. With shovels, rakes and power tools being used, an accident could happen at any moment.

“Before signing a contract with a landscaper or gardener, ask them for their proof of insurance,” said O’Rourke. “If they don’t have coverage, you probably want to find one who does. In most cases, the contractor’s coverage will act as the primary insurance should one of their employees get injured while on the job.”

O’Rourke also recommends homeowners read their insurance policies in full, so they know what is and what isn’t covered in the event of a loss. “Knowledge is power, so understanding your policy is of utmost importance,” he adds. “Talk to your agent if you have questions. They’re also the best resource to help you determine if you have the right amount of coverage.”

Consult with your agent Consult with your insurance agent after hardscaping. Most gardens feature a combination of plants and decorative, non-living features or structures, like pathways, fencing or even fountains to help better define and add character to the space.

Many homeowners also like to indulge in the warm weather by expanding their outside living space, which can include anything from remodeling a patio to building a garden oasis for relaxing and entertaining.

“Our homes are typically where we spend the majority of our time, so it’s natural to want to customize them to our specific needs and wants. However, renovations – including those done outdoors – can increase a home’s replacement cost if it’s damaged or destroyed,” said O’Rourke. “Talking to your agent about enhancements you’ve made will help ensure you’re properly insured so you can enjoy the fruits of your labor for many years to come.”

(BPT)

OUTDOOR • CONTINUED FROM PAGE 7

Finishing

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

APRIL 2021

FULLY INSURED • RESIDENTIAL • COMMERCIAL

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3 Brick Pavers 3 Fertilization 3 Trucking & Deliveries 3 Mulching 3 Retaining Walls

3 Landscaping & Maintenance 3 Patio Installation & Repair 3 Bobcat Services 3 Snowplowing

3 Spring/Fall Cleanup 3 Complete Lawn Care Service

If color is a factor in painting an outdoor project, select General Finishes Milk Paint, available in 33 colors. This high-tech, waterbased acrylic paint is durable, easy to apply and rated for interior and exterior use. Colors may be mixed or used with General Finishes water-based Glazes and Wood Stains to create decorative finishes and effects.

Other coverings for outdoor projects include: • General Finishes Exterior 450 Varnish is for outdoor use. UV absorbers minimize fading, and mildewcides help retard mold and fungus growth. It is ready to sand in one hour.

• System Three Marine Spar Varnish is a urethane-enhanced film finish formulated to protect against the harshest salt water and marine environments, as well as protect outdoor projects.

To apply coverings by hand, consider Redtree Onyx White China Bristle Brushes (solvent-based finishes) or Redtree Matey Synthetic Bristle Brushes (water-based finishes).

For spraying, the HOMERIGHT Super Finish Max features a built-in 450-watt sprayer, eliminating the need for a hose or motor to move around. Spray milk paint, chalk-style paint, latex paint, enamels, primers, urethanes, stains and varnishes.

(METRO CREATIVE)

BUY OR SELL • CONTINUED FROM PAGE 11

KOCH KUTS LLC

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Office: 262.534.9509

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boosting mortgage originations (the process in which borrowers apply for a home loan) to historic highs. As mortgage rates rise modestly in 2021, refinance activity should start to slow. “While many homeowners took advantage of these low rates in last year, evidence suggests that many lower income homeowners still have the opportunity to strengthen their financial position by refinancing,” says Khater.

For more information, visit freddiemac.com/research. (STATEPOINT)

BBB offers tips for hiring a home inspector Buying a home can be one of the most important financial investments a person or couple will make in their lifetime. But if a new home has hidden structural issues and needs major repairs, buyers may be falling into a money pit and sleepless nights. A home inspection is one of the smartest ways to become educated about the physical condition of a property before buying, according to the Better Business Bureau.

A home inspection is a visual inspection of the physical structure and mechanical condition of a home – from roof to foundation.

The inspection is designed to identify problems, advise of repairs needed and, in some cases, provide preventive maintenance advice. A home inspection points out the positive aspects of a home, as well as the maintenance that will be necessary to keep it in good shape.

The BBB recommends hiring a home inspector who has experience, positive references and is known for being very comprehensive. While this may cost more upfront, hiring a great inspector will likely save money in the long run. If potential buyers don’t get a complete, accurate inspection, they may miss major problems and the chance to negotiate repairs with the seller.

Those seeking to find a home inspector should ask friends and acquaintances for

recommendations.

“Find someone familiar with your type of home and the issues you need to inspect.

Be sure your inspector specializes in homes, not commercial properties, and any issues you anticipate finding. For example, if you’re concerned about a home’s structure, consider hiring a professional engineer or architect who also does general home inspections. Also, be sure your agreement with the inspector covers the systems you most need to have examined,” the BBB advises.

Home buyers should ask prospective inspectors questions about their professional training, relevant experience and/or length of time in business. Find out if the inspector belongs to a professional association, such as the American Society of Home Inspectors, or the National Society of Professional Engineers.

Membership in professional associations may offer added assurance of an inspector’s qualifications and training.

Another tip is to make sure a home inspector is working in the buyer’s best interests.

“For example, many home inspectors rely on referrals from real estate agents for their business. This means that the inspector may be more interested in maintaining that relationship than providing you a thorough inspection.

They may be less inclined to identify major

repair issues that hold up the sale of your home. Also, be cautious about hiring a home inspector who is looking to get contracting work from you,” the BBB states.

Potential buyers should present during the inspection, as the majority of inspectors will allow those considering a home purchase to tour with them and ask questions during or after the inspection. Know that the inspection can last anywhere from two to five hours, depending on the size of the house.

Finally, it’s advised buyers ask how soon after the inspection will they receive a copy of the home inspection final written report.

“Carefully read your home inspection report and make a list of items that need correction.

Understand that the home inspection report records the condition of the home, both positives and negatives. This will help you to determine your future expenditures for repairs and maintenance. The report will contain useful information that serves as a reference for you in the future,” the BBB states.

“Ultimately, no inspection can guarantee that something won’t go wrong with a home, but getting a thorough inspection job can really help prevent expensive, nasty surprises.”

For more information, including seeing if a home inspector is a BBB Accredited Business and to read reviews, visit bbb.org/wisconsin or call 1-800-273-1002.

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Home prices continue upward trend

By Tracy Ouellette EDITOR

SUBMITTED PHOTO Spring Home Improvement

income in Burlington,” Lois said.

“You can extrapolate that datafrom any of the area municipalities and find much of the same,” he added.

will occupy them. Why not? Hitting this price point for these families creates opportunities and right now, we don’t have what they’re looking for,” he said.

Lois said until some of these changes WHAT CAN BE DONE? start to happen, people are going to be Lois said the answer to the housing priced out of the market. shortage isn’t new construction because of “The whole idea is we’re missing the the skyrocketing new-home construction middle here,” he said. “Entry-level homes costs, but instead creating “opportunities” and high-end homes you can find, but that to help the older generation find a place whole middle is what’s lacking. Not that that better suits their lifestyle. you have to build those, but you need to “So, if there is an opportunity for an create opportunity for people to move out assisted living or senior living facility for of those entry-level homes, that’s where that population to move into, or something there is a big gap.” like that, a lot of $300,000 homes would come on the market because many of the BE PREPARED IF BUYING people who are living in them are staying Lois said anyone entering the housing there because they simply don’t have market as a buyer should be prepared, another place to go,” Lois said. starting with getting pre-approval for a Another area that can help with young mortgage. families looking for their first home is “I know, it’s the dreary part, but it’s to lower expectations and be clear about an ugly process right now,” he said. what they want in a home.

“It’s really competitive and peers are “Are you able to verbalize what going up against each other. Buyers are you’re looking for?” Lois asked. “Are starting to take appraisals and inspection you willing to accept a smaller lot or a contingencies down and we’re seeing detached garage or would that be a deal people putting in offers and making killer?” deals and then having to deal with the On the other side of those questions, repercussions of that later; it’s ugly.”

Lois said when real estate associations Lois said he recognizes the challenges (national, state and local) look at land faced by the housing industry and how use regulations, they see that many much work needs to be done to make municipalities are not very welcoming purchasing a home more affordable. But to ideas such as smaller lot sizes and he also acknowledged that the market is detached garages. what dictates what a home is worth and “They ask, ‘Do we really want these right now, that means higher prices. tiny lots jammed in?’ and the answer to “Until we start changing some things, that is yes, if the people who want them there is no end in sight,” Lois said.

APRIL 2021

WHAT IS ‘AFFORDABLE’?

According to the Falling Behind report, “Workforce housing is the supply of housing in a community (a variety of housing types, sizes, locations and prices) that meets the needs of the workforce in that community.

“The report, which came out Labor Day 2019, talks a lot about how there is a workforce housing shortage, where young families making a good income can’t afford to buy a home where they live. A renter in this marketplace typically earns about 60% of the area’s median income and a typical homebuyer in the same area earns about 120% of the area’s median income,” Lois said.

“You do the math. For Burlington, which we have done the specifics on and talked to the city council about, we have a shortage of $1,000 a month apartments for rent and $300,000 homes based on the median

Bear Realty has this home on Kelly Lane in Elkhorn listed at $309,000. The home has three bedrooms, two bathrooms and a 2.75-car garage. The home is in the Elkhorn Area School District and features, hardwood floors in the kitchen and dining room and a low-maintenance deck along with a stamped concrete patio for outdoor entertaining.

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

As anyone looking to buy a house in 2021 knows, there is a continued shortage of affordable houses, especially for young families seeking at least a three-bedroom home.

Area Realtor Brad Lois, of Bear Realty, said there is a shortage of every type of housing and in Wisconsin, there is a shortage of about 15,000 housing units over the past decade.

“Prior to COVID, there were an average of 44 people a day migrating from Illinois to Wisconsin, that’s a net number,” Lois said. “Now, we’re bringing in more than that and we just don’t have the necessary housing.”

A recent Wisconsin Realtors Association special report, “Falling Behind – Addressing Wisconsin’s workforce housing shortage to strengthen families, communities and our economy,” outlines the reasons for the housing shortage.

“There are three main causes for this,” Lois said. “The first is Wisconsin hasn’t built enough homes to keep up with population and income growth. The second is construction costs have risen faster than inflation and income. And the third is outdated land regulation that drive up the cost of housing – large minimum lot sizes, lot prices, prohibitions on non-single family housing, parking requirements, long approval processes – all of these make it harder for people to find housing.”

Lois said addressing the housing shortage has led to conversations with area municipalities in an attempt to bring awareness to what constitutes “affordable housing.” He said there is a misconception that “affordable” means “low income or subsidized” housing, which isn’t the case.

15

Banking on the success of its customers First Citizens State Bank an option for first time buyers, refinancing

By Heather Ruenz

beneficial if customers set their priorities and decide what’s most When it comes to choosing a important to them, which can financial institution, including help them make a decision when for a mortgage loan, there is looking at a home,” she said. more to it than simply going For first-time buyers, Tincher said online and searching for rates, it might be wise to figure out an First Citizens State Bank ideal monthly payment that will President Nate Parrish said. work in their budget.

“Many times, purchasing a “For example, some customers home will be one of the biggest might increase their price range Nate Parrish financial decisions of your life and pay more up front so they and you want to work with don’t have renovation costs. Others someone you can trust,” Parrish may look to buy a home and do said. “By choosing a local, fullfuture remodeling projects and plan service bank with a long history for those costs,” she said. “Buying of helping the community, you a home that fits the customer’s know that we have your best long-term goals is important.” interest at heart.”

Tincher said it’s an exciting time Sara Tincher, a loan officer for a buyer when an offer made to recently promoted to assistant purchase a home is accepted. vice president at First Citizens, “We will work with the customer Sara Tincher said a great first step for anyone throughout the loan process to get thinking about purchasing their first home the necessary documentation needed for is to make an appointment with a lender. them to buy their home,” she said.

“I love the process of working with a Parrish said choosing a locally owned first-time homebuyer. Some people make community bank means the decisionappointments if they are thinking of buying making is local. a home right away, and others make an “You know who to call or where to appointment when they are thinking of go if you have questions or problems. A buying a home in one to two years. Having community bank can build a strong, longan initial discussion with the customer can lasting relationship that will help you meet answer any questions they might have,” she all of your financial goals, whether buying said. a first home, refinancing a home, opening Tincher said topics discussed initially deposit accounts or investing for you might include: credit history, items needed future,” Parrish said. to qualify, grant opportunities, products “We are here to help. Community First Citizens offers and the lending banks are committed to investing in process. She said some people like to their community and the success of their determine how much of a house they can customers,” he added. afford and how much they feel comfortable with spending.

About First Citizens “We are really here to help any step of First Citizens State Bank’s history dates the way,” she said. back nearly 160 years to 1863. Just months Tincher said getting pre-qualified is a after the National Banking Act of 1863 was smart move when entering the home-buying enacted First National Bank of Whitewater process, as it allows a customer to establish was granted a bank charter. a budget that best fits their needs.

The bank survived the Great Depression “After we go over a pre-qualification and in 1931 merged with the Citizens with a customer, they have a good idea State Bank, a savings bank in Whitewater, of what they can afford at that point in to form First Citizens State Bank of time,” she said, adding that typically, a Whitewater at the corner of First and Main pre-qualification would be good for 60 streets. days but noted every applicant’s situation is In 1964, the bank moved to a newly different. constructed, single story building at In response to the current market, 207 W. Main St. in Whitewater, which that of offers being submitted for homes was expanded in 2004 into a three-story sometimes within hours of listing – and building at that location. In 1998, a branch many selling above asking price – Tincher bank was acquired and opened at the corner said potential buyers should do their of Tratt and Main streets to expand services research. in the Whitewater community.

“They should research the area and The bank’s expansion continued in 2001 research the home. I also think it’s when a new branch office in East Troy.

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

APRIL 2021

STAFF WRITER

16

Getting pre-qualified for a mortgage loan is a smart move, according to Sara Tincher, assistant vice president/loan officer for First Citizens State Bank. The locally owned community bank has two locations in Whitewater and one each in East Troy and Palmyra.

FILE PHOTO Spring Home Improvement

That was follow by transitioning the sister bank of Palmyra State Bank into the First Citizens State Bank family in 2016.

During this growth process the latest in bank technology has been utilized to provide its customers the option to bank the way they choose – be it in person, online or from a mobile device, according to the website.

“Over the bank’s history it has served as a catalyst to promote economic development as well as having our staff personally involved as volunteers in their respective communities that we serve,” the website states.

The bank has earned an outstanding rating by the Federal Deposit Insurance Corporation for community service, and a 5-star rating by Bauer Financial.

“Our success and growth have been attributed to the outstanding community support and loyalty we have enjoyed from our customers and the communities we serve,” according to the website.

First Citizens State Bank’s locations are: (main office) 207 W. Main St., Whitewater, phone, 262-473-2112; 1058 W. Main St., Whitewater, ph. 262-473-3666; 2546 E. Main St., East Troy, ph. 262-642-2530; and 111 E. Main St. in Palmyra, ph. 262-4952101.

For more information, including specific hours at each of the bank’s locations, visit firstcitizensww.com.

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home and property sales Here is a listing of recent single-family home, condominium and vacant land sales in Kenosha, Racine and Walworth counties. The information is provided through the Multiple Listing Service.

RACINE COUNTY

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

APRIL 2021

SINGLE-FAMILY HOMES

18

Kansasville • 24925 Jackson St......................$ 130,000 Burlington • 33902 Hillcrest Dr......................$ 150,000 • 132 Randolph St........................$ 178,000 • 332 Henry St..............................$ 215,000 Sturtevant • 3325 Kennsington Sq Rd...........$ 160,000 Union Grove • 1025 13th Ave............................$ 180,000 Franksville • 3901 3 Mile Rd...........................$ 230,750 Waterford • 646 Aber Dr................................$ 245,000 • 468 Rivermoor Dr......................$ 265,000 • 2543 N River Rd........................$ 297,000 Racine • 1432 LaSalle St...........................$ 48,000 • 6126 Bel Mar Ave........................$ 63,500 • 2713 Wright Ave...........................$ 78,500 • 303 Belmont Ave..........................$ 79,000 • 1421 Chatham St.........................$ 79,900 • 1901 Marquette St.......................$ 85,000 • 2620 Coolidge Ave.....................$ 101,280 • 3202 Caledonia St.......................$ 81,000 • 4116 Washington Ave..................$ 99,900 • 1443 Summit Ave.......................$ 100,000 • 1621 Boyd Ave...........................$ 100,000 • 1653 Howe St............................$ 107,500 • 4405 Byrd Ave...........................$ 107,500 • 2029 Westlawn Ave...................$ 116,900 • 1435 Ohio St..............................$ 115,000

• 2034 Russet St..........................$ 124,900 • 404 Mertens Ave........................$ 126,900 • 1773 Virginia St..........................$ 125,000 • 1532 Kentucky St.......................$ 132,000 Mount Pleasant • 1639 Warwick Way.....................$ 118,650 • 4652 Spring St...........................$ 130,000 • 1724 Warwick Way.....................$ 159,900 Wind Point • 235 E Point View Dr...................$ 285,000

CONDOS Racine • 720 S Marquette St 313...............$ 79,900 Mount Pleasant • 6700 Mariner Dr 203..................$ 116,900 • 3208 Wood Rd 3........................$ 129,000 • 5749 Cambridge Cir 1...............$ 130,000 Waterford • 300 Foxwood Dr 140..................$ 132,000 Union Grove • 918 Park Cir...............................$ 195,000

VACANT LAND Racine • 1501 Yout St.................................$ 32,000 Mount Pleasant • Lt54 Carnation Ct.........................$ 41,900 Burlington • 28416 Coyote Cir.........................$ 95,000

WALWORTH COUNTY SINGLE-FAMILY HOMES Lyons • 1428 Sunrise Trl...........................$ 55,000

Bloomfield • W799 Washington Ave.................$ 80,500 Elkhorn • 107 S Eastown Manor.................$ 85,000 • 120 Devendorf St.......................$ 150,000 • 609 N Jackson St.......................$ 208,000 • 325 N Broad St..........................$ 210,000 Delavan • 1625 Jackson Park Dr..................$ 88,000 • 2804 Jones St..............................$ 85,000 • 310 N Fifth St...............................$ 80,000 Sharon • 151 George St...........................$ 118,000 • 240 Martin St.............................$ 150,000 Genoa City • W1035 Camelia Rd....................$ 127,000 • 344 Franklin St...........................$ 195,000 Whitewater • 840 E Clay St.............................$ 165,000 • N7574 Kettle Moraine Dr...........$ 217,900 Walworth • 224 Maple Ave...........................$ 166,000 East Troy • 2827 North St.............................$ 200,000 Lake Geneva • 480 Country Club Dr..................$ 250,500 • 1230 Center St...........................$ 234,000 • W3661 Springfield Rd................$ 255,000 Williams Bay • W4884 White Oak Rd................$ 218,000 • 54 Potawatomi Rd......................$ 265,000 Fontana • 148 Fontana Ave........................$ 240,000 Shore Rd......................................$ 315,000 Spring Prairie • W990 Ski Hill Dr.........................$ 483,000

CONDOS Fontana • 269 Fontana Blvd 2663................$ 71,000 • 227 Dewey Ave 309...................$ 124,900 Lake Geneva • 225 Country Club Dr 3A..............$ 75,000 • 111 Center St 263........................$ 77,000 • 205 Country Club Dr 1A..............$ 89,900 East Troy • 1828 Division St 6......................$ 104,000 Delavan • 509 Lawson School Rd 3...........$ 110,000

VACANT LAND Delavan • Lt3 Lake Rd................................$ 155,000

KENOSHA COUNTY SINGLE-FAMILY HOMES Trevor • 28630 107th St............................$ 91,000 Pleasant Prairie • 6527 126th St............................$ 128,500 • 116 115th St...............................$ 155,000 • 10608 82nd St...........................$ 150,000 • 12521 Timber Ridge Dr.............$ 173,900 Salem • 24923 69th St............................$ 147,500 • 6402 236th Ave..........................$ 213,000 • 7110 250th Ave..........................$ 197,500 Twin Lakes • 963 Legion Dr............................$ 174,900 • 1605 Sunset Dr..........................$ 214,250

Randall • 8735 380th Ave..........................$ 230,000 Silver Lake • 111 E Depot St..........................$ 231,000 Bristol • 8414 199th Ave..........................$ 319,900 Kenosha • 3004 41st St.................................$ 33,000 • 6113 13th Ave..............................$ 51,000 • 6621 11th Ave..............................$ 85,000 • 4906 17th Ave............................$ 105,000 • 7833 16th Ave............................$ 115,000 • 1808 19th Ave............................$ 145,000 • 6212 32nd Ave...........................$ 122,000 • 1606 78th St...............................$ 134,000 • 4823 17th Ave............................$ 130,000 • 4317 29th Ave............................$ 125,000 • 1421 50th St...............................$ 145,750 • 7951 23rd Ave............................$ 140,000 • 5218 32nd Ave...........................$ 135,000 • 4127 18th Ave............................$ 152,700 • 6109 51st Ave............................$ 144,900 • 3023 Roosevelt Rd....................$ 149,900 • 1907 28th St...............................$ 161,000 • 4724 60th St...............................$ 147,000 • 5111 19th Ave............................$ 158,000 • 7402 30th Ave............................$ 155,000 • 2600 100th Ave..........................$ 153,900

CALL 262.728.3411 TO PLACE YOUR AD FOR RENT Twin Lakes Apartments 2 BEDROOM LAKEFRONT, Deck, Beach & pier. 18 min. to 120/31. $995 mo. + sec. 847826-0987.

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Houses/Town/Condos 2BR, 1BA HOME in Wind Lake on the lake. $1,500. mo + sec. text only. 414-828-4886.

REAL ESTATE

CONDOS Kenosha • 2880 11th Pl 609........................$ 142,000 Pleasant Prairie • 8581 Lexington Pl 8...................$ 162,500 Twin Lakes • 512 Bay View Ave 3...................$ 206,000

Commercial Real Estate DELAVAN WI, OFFICE SPACE approx. 720 sq ft. light industrial area. Min 1 year lease. $400/mo. Heather 262-299-8088

APRIL 2021

Here is a listing of recent single-family home, condominium and vacant land sales in Kenosha, Racine and Walworth counties. The information is provided through the Multiple Listing Service.

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APRIL 2021

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Martin’s Hardware -

Quality for Less...Since 1902

262-883-9494

www.RoesingFurniture.com 390522

www.carpetsplusoutlet.com

Pets Welcome on a Leash!

HUGE Pet Department We REPAIR Storms & Screens.

3288 Main St., East Troy Hours: M-F 7:30-7 • Sat. 7:30-5 • Sun. 9-4

262-642-3344 martins3344@gmail.com www.martins3344.doitbest.com

Family Owned & Operated

392517

392516

PLUMBING Complete Bathroom Remodeling

2720 Buell Drive East Troy, WI 53120

262-723-4955

117 MacArthur Dr., Mukwonago, WI

www. westennheatandair.com Since 1969

392519

HEATING & AIR CONDITIONING

639 Baxter Dr., Mukwonago 262-363-8466 www.boldthvac.com

A Family Owned & Operated HVAC Company Since 1976

392520

www.martensplumbing.com

392522

(262) 642-7747

www.lakesareagaragedoor.com

BOLDT

Professional. Honest.

Value.

262-363-7146

ELKHORN (262) 742-3159 WHITEWATER (262) 473-3400

CONTRACTORS INC.

Heating & Air Conditioning

www.olearyplumbingandheating.com

P.O. Box 406 Elkhorn, WI 53121

HEATING & AIR CONDITIONING

65+ years of experience in your neighborhood!

392521

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

1241 22nd Avenue Kenosha, WI

BoB Roesing Hwy. 36 & 20 Waterford, WI

Rental & Pet

392523

APRIL 2021

(262) 534-3131

(262) 537-4988

262.534.2170 390517

(262) 878-1214

Call

390519

1024 10th Ave. Union Grove, WI 53182

SANITARY SERVICE

392514

22

TRULY LOCAL QUALITY SERVICE FAST PREAPPROVALS

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NMLS #1802853

ProVisor, Inc. WI license 1802853BA & 1802853BR ProVisor, Inc. DBA ProVisor Mortgage in the State of Illinois license MB6761428

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NMLS #1802853 392076

STOP IN AND SEE OUR

Smart Home Showroom

www.lylestv.com • Online Parts & Service

The Appliance Store with So Much More

Stop in & Shop Our

Fully S tocked

SHOWROO M

392381

17 S. Washington Elkhorn (262) 723-3477