Homes & Design/Home Buyer for January 2020

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No matter what kind of heating system you have, you can take steps to keep it working at

FEATURING

Homes & Design

HOME Buyer,Owner &Renter

CONSIDER UPGRADING YOUR HVAC SYSTEM If you have an older system that just can’t keep up or you live in a climate with extreme • continued on page 11 Above: Following just a few simple tips will make a big difference in helping your house feel cozy and warm, even during the most extreme cold temperatures of winter.

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Homes & Design featuring Home Buyer, Owner & Renter January 2020 Published by Southern Lakes Newspapers LLC 1102 Ann St. Delavan, WI 53115 262-728-3411

temps than it can handle

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

HELP YOUR HVAC SYSTEM WORK MORE EFFICIENTLY

its best: • Schedule annual heating tune-ups; • Change the furnace filter frequently; • Make sure ductwork dampers are open; • Check air vents – are they open? Are any blocked by furniture?; • If you have a home with radiators, make sure they aren’t blocked; and • Avoid wild temperature swings - set your thermostat for reasonable highs and lows at night and during the day, since extremely low temps could result in freezing pipes, and your system has to work extra hard to aim for higher

JAN. 2020

With the early arrival of winter, the grip of cold temperatures and snowfall that landed along with it, now is a good time to start thinking about keeping your home warm and cozy all season long.

This winter, consider the strategies below to keep your house warm, even during the most frigid days of the year.

STOCK PHOTO Homes

How to keep your house warm – even in freezing temperatures

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HOMES & DESIGN • HOME BUYER, OWNER & RENTER

JAN. 2020

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Mortgage insurance: A faster way into your first home

For many Americans, the biggest hurdle in buying a home is the down payment. According to a recent report, 49% of non-homeowners stated that not having enough money for a down payment and closing costs was a major obstacle to purchasing a home. Many people also mistakenly believe lenders require a 20% down payment to qualify for mortgage financing.

Data shows that by using private mortgage insurance, millions of homebuyers with down payments as low as 3% or 5% have been approved for affordable and well-underwritten mortgages.

In the past year alone, MI has helped more than 1.1 million borrowers purchase or refinance a mortgage. Nearly 60% were firsttime homebuyers, and more than 40% had annual incomes below $75,000.

HOW MI WORKS In addition to the other elements of the mortgage underwriting process - such as verifying employment and determining the borrower’s ability to afford the monthly payment – lenders require borrowers to commit some of their own money before approving their mortgage loan. This is where MI entered the system more than 60 years ago, to bridge the down payment gap and help creditworthy borrowers qualify for a mortgage without large down payments.

BENEFITS OF MI

MI product options for MI payment; the most common is paid monthly along with your mortgage until the MI cancels.

MI is a stable, cost-effective way to obtain a low down payment mortgage, and offers distinct benefits to borrowers. It’s been a cornerstone of the U.S. housing market since 1957, providing more than 30 million families with the opportunity to own homes despite financial barriers.

To learn more, visit LowDownPaymentFacts.org.

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Protect your most valuable asset

How to pick the right homeowners insurance

DWELLING PROTECTION This protection covers the cost of repairing or rebuilding your home if it’s damaged or destroyed. When you select the amount, keep in mind the cost to rebuild your home is different from its market value.

It’s important to get the dwelling coverage

right and to monitor it over time to make sure it keeps up with construction costs to rebuild.

Under most homeowners policies, if you file a claim and have underinsured your home, your payout may be reduced.

Some insurers will help you estimate the rebuilding cost. They take into account the features, materials and finishes that make your home unique.

See INSURANCE, Page 8

Page 5

If you’re like many Americans, your home may be your most valuable asset.

That’s why it’s so important to protect it with homeowners insurance. Plus, it’s probably a requirement of your mortgage.

Setting up your coverage the right way starts with understanding the major parts of a

homeowners policy.

Consider the following information and tips from the USAA Home Learning Center:

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

MI is temporary, leading to lower monthly payments down the road. MI can be cancelled once 20% equity is established, either through payments or home price appreciation.

Borrowers typically can cancel MI within the first five to seven years. This is not the case for the vast majority of mortgages insured by the Federal Housing Administration. FHA mortgage insurance premiums stay on the loan for the life of the loan.

Mortgage insurance provides several flexible payment options. Your lender can offer several

JAN. 2020

Mortgage insurance helps you buy a home sooner. On average it could take 20 years for a household earning the national median income of $61,372 to save 20%, plus closing costs, for a $262,250 home, the median sales price for a single-family home. MI helps borrowers qualify with as little as 3% down.

STOCK PHOTO Homes

When considering purchasing a home, it is important to understand your options, including your low down payment options.

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Weak inventory limits November sales Home sales down, but outlook remains optimistic

Home sales were down across the area last month in comparison to November 2018, according to the most recent analysis of the existing home market by the Wisconsin Realtors Association.

Tight inventories continue to be the key driver of Wisconsin’s housing market, officials with the WRA said.

Statewide, closed sales in November were slightly below those of November 2018, falling 0.8 percent, and median prices rose 6 percent to $194,000 over that same period.

In the Southern Lakes Area, sales in the same comparison were down in all three counties.

Sales in Racine County were down 19.3% (197 from 244). Sales were down a relatively moderate amount in Kenosha (-2.2%; 180 from 184) and Walworth (-2.5%; 157 from 161) counties.

Median sale prices were up in Kenosha (8.2%) and Racine (5.7%) counties and down in Walworth County (-6.8%).

On a year-to-date basis, home sales statewide trailed the pace established in the first 11 months of 2018 by just 1.4 percent, whereas median prices increased 6.9 percent to $197,500.

“As we close in on the year-end, it’s clear that

• Insurance

JAN. 2020 HOMES & DESIGN • HOME BUYER, OWNER & RENTER

– WRA Chairman Steve Beers

we are going to be very close to the sales levels we’ve seen the last couple of years, but the tight inventory levels have kept our growth in check,” said WRA Chairman Steve Beers of Keefe Real Estate in Lake Geneva.

Inventory levels do fluctuate on a seasonal basis, rising during peak sales periods in the summer and then falling during the winter period, according to the WRA. However, inventory levels peaked at 5.2 months of supply in June and July of this year, which is below

See SALES, Page 10

(Continued from page 5)

LIABILITY COVERAGE

Page 8

“

As we close in on the year-end, it’s clear that we are going to be very close to the sales levels we’ve seen the last couple of years, but the tight inventory levels have kept our growth in check.”

the six-month benchmark that characterizes a balanced market.

With November inventories falling to just four months of supply, the number of homes for sale has tightened over the past 12 months, keeping Wisconsin a seller’s market.

“The inventory problem is most pronounced in our large urban areas and homes selling at lower price points,” said Beers.

The counties that comprise metropolitan areas had just 3.3 months of supply in November compared to 6.8 months of supply in rural areas.

A review of the last 12 months shows that the tightest supply levels were for homes selling between $125,000 and just under $200,000, where there were just 3.1 months of supply.

“Starter homes sell quickly, so buyers and sellers need to be ready to move quickly once those homes hit the market,” Beers said.

“We’re experiencing the longest expansion in U.S. history, and it looks like it’s going to continue for a while longer,” said WRA President and CEO Michael Theo.

Real GDP growth was 3.1 percent for the first quarter of the year, and it has been in the

This is one of the most important and least appreciated forms of protection offered through homeowners coverage. It protects you if you’re found to be at fault for someone’s injury or property damage. It even covers you for non-automobile incidents away from your home. Generally, it also covers your legal costs associated with such claims against you.

As a rule, your liability coverage should at least be equal to the total value of your assets for both your homeowners and auto insurance.

If your assets are higher than the maximum coverage allowed under the policy, consider purchasing umbrella insurance to cover the difference. This is important to protect the savings and other assets you’ve worked hard to acquire.

DEDUCTIBLES As with other types of insurance, a deductible is the part of a loss that you’re responsible for covering out of your own pocket. The higher your deductible, the lower your monthly premium.

Choosing a higher deductible can save you money with a lower monthly premium but increases the risk you take. Consider the amount of cash you typically have on hand

in your emergency fund or checking and savings accounts. Make sure you can cover the deductible amount comfortably.

PERSONAL PROPERTY PROTECTION This protection covers your furniture, clothing and pretty much everything else inside your home. Most policies set the amount of personal property protection as a percentage of the dwelling coverage.

It may not be enough, though. Homeowners’ plans set limits on certain high-value items. If you own expensive jewelry, art, guns, stamps, furs, cameras, computers, silver or collectibles, you’ll want to consider buying valuable personal property insurance. This is sometimes called a “personal articles floater.”

When you set up your homeowners policy, you may have to make an important choice about how to reimburse losses. There are two approaches: • Replacement cost – this coverage is the amount needed to replace the property with a comparable, new item; and • Actual cash value – this coverage considers depreciation in the value of your property. If your 10-year-old couch is destroyed, you’d receive what it was worth at the time of loss, not the money you’d need to buy a new one.

To make your recovery from a loss as smooth

as possible, replacement cost coverage is recommended.

WHAT MAY NOT BE COVERED Your policy’s basic coverage won’t cover some special risks.

• Floods. While a standard policy covers most weather-related events, floods aren’t one of them. Flood insurance is inexpensive and the federal government offers it through insurers. While it’s mandatory when you have a mortgage and live in a flood zone, you should give it strong consideration no matter where you live. Whether it’s a flash flood or a few inches of excess water, flooding can cause massive damage to your dwelling and its contents.

• Earthquakes. You can add coverage for earth movements to your policy with an extra premium. If you live in an area prone to earthquakes, consider reinforcing your home protection with this coverage.

• Home businesses. Homeowners plans provide limited coverage for business equipment. If you run your business from home or have expensive office equipment, you may need to consider additional coverage. Your homeowners policy may not cover injuries to someone if they’re related to your business.

For additional information on protecting your (BPT) home, visit USAA.com/Homeowners.

home and property sales RACINE COUNTY SINGLE-FAMILY HOMES

• 40 S Emmertsen Rd...............$ 219,999 • 1533 Old Fancher Rd.............$ 217,000 • 5145 Cynthia Ln......................$ 257,500 Sturtevant • 2828 91st St............................$ 126,400 • 9459 Broadway Dr..................$ 315,000 Waterford • 7826 Lakeview Rd..................$ 360,000 • 31520 Hickory Hollow Rd.......$ 380,000 Union Grove • 1348 Main St...........................$ 215,000 Wind Lake • 25913 Loomis W Rd...............$ 319,900 Caledonia • 12028 Eau Galle Rd...............$ 212,000 Franksville • 5017 Hwy 38...........................$ 200,000 • 9009 Meadow Park Ln............$ 299,900 Wind Point • 11 Ironwood Ct.......................$ 385,000

CONDOS Burlington • 220 Thorngate Ct....................$ 324,000 Mount Pleasant • 1450 West Ridge Ct 202.........$ 125,000 • 1439 Fox Tail Dr......................$ 120,000 • 5811 Chukar Ln 103...............$ 121,500 • 3134 Wood Rd 4.....................$ 135,664 • 5727 Cambridge Cir 1............$ 142,000 • 1103 Bedford Ct 102...............$ 155,000 Racine • 111 Eleventh St 6DN..............$ 175,000

VACANT LAND

WALWORTH COUNTY SINGLE-FAMILY HOMES

Lake Geneva • 1335 W Main St 5...................$ 115,800 • 1335 W Main St 4...................$ 115,800 • W3216 S Lakeshore Dr 106.....$ 90,000 • 564 Geneva National N Ave 6-53..................$ 130,000 Delavan • 2202 Landings Ln...................$ 155,000 • 1711 Birchwood St..................$ 165,000 East Troy • 1856 W Division St 4..............$ 109,000 Whitewater • 701 E Clay St C1....................$ 157,000 Williams Bay • 38 Willabay Dr 38A.................$ 266,000 Fontana • 940 Alpine Ct 02.....................$ 290,000

Page 9

Lake Geneva • N3195 Dandelion Rd..............$ 233,000 • 1150 Romin Rd.......................$ 225,000 • N3189 Uranus Rd...................$ 237,000 • W3913 Orchard Rd.................$ 245,000 • 416 W Miller Ct.......................$ 285,000 • 903 Platt Ave...........................$ 335,000

CONDOS

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

Burlington • 34605 Chestnut St....................$ 79,900 Mount Pleasant • Lt 21 Shady Oak Trl..................$ 54,000

Elkhorn • 123 S Washington St..............$ 172,000 • 625 W Estate Ct......................$ 185,000 • 328 N Broad St.......................$ 175,000 • N6572 Hickory Rd...................$ 188,900 • N6539 Peck Station Rd..........$ 205,000 • W5162 Strawberry Hill Rd......$ 201,000 • 324 W Hidden Trl.....................$ 218,000 • W5039 Aldona Ct....................$ 200,000 • 1048 W Court St.....................$ 223,500 • 276 W Rockwell St..................$ 232,000 Delavan • 4234 Central Blvd...................$ 175,000 • 209 Autumn Dr........................$ 212,500 • 113 Cedar Ave........................$ 230,000 Genoa City • N1180 Sandalwood Dr...........$ 210,000 • 447 Valley View Dr..................$ 244,900 Walworth • 123 Prairie Dr..........................$ 274,000 • 128 Knoll Rd...........................$ 178,400 East Troy • 3227 Superior Ave..................$ 230,000 • 1731 Steeple Dr......................$ 240,000 • 3258 Douglas Ave...................$ 240,000 • 1816 Kettle Ct.........................$ 250,000 • N9114 Maple St......................$ 273,000 Williams Bay • 135 Trail Ln..............................$ 420,000 Spring Prairie • N7082 County Road DD.........$ 300,000 JAN. 2020

Racine • 2015 Mount Pleasant St...........$ 85,000 • 2004 Kinzie Av..........................$ 60,000 • 1821 Superior St.......................$ 77,900 • 1931 West Blvd.........................$ 87,000 • 2125 Superior St.......................$ 92,500 • 1414 Monroe Ave......................$ 96,500 • 3610 Durand Ave....................$ 108,000 • 2047 Arthur Ave........................$ 87,500 • 2905 Green St........................$ 100,000 • 2901 Winthrop Ave....................$ 92,500 • 1900 Monroe Ave....................$ 105,000 • 1225 English St.......................$ 104,000 • 3348 Ninth Ave.........................$ 99,900 • 3208 Debra Ln..........................$ 87,000 • 1518 Holmes Ave....................$ 109,000 • 2611 Charles St......................$ 114,900 • 1638 Chatham St....................$ 116,000 • 2419 Thor Ave.........................$ 110,000 • 1307 Jones Ave......................$ 110,000 • 2710 20th St............................$ 105,000 • 2913 Dwight St.......................$ 114,000 • 1424 Orchard St.....................$ 115,000 • 1623 West Lawn Ave..............$ 119,000 • 1341 Indiana St.......................$ 120,000 • 5419 Wright Ave......................$ 110,000 • 2622 Rosalind Ave..................$ 136,000 • 2020 Deane Blvd....................$ 120,000 • 4904 Lindermann Ave.............$ 118,000 • 833 Blaine Ave........................$ 130,000 • 2418 Grove Ave......................$ 129,900 • 3833 Green St........................$ 135,000 • 614 Isabelle Ave.....................$ 132,424 • 1919 Jupiter Ave.....................$ 129,000 • 615 Thunderbird Dr.................$ 135,000 • 438 Romayne Ave..................$ 136,000 • 1605 4 Mile Rd........................$ 138,200 Burlington • 141 Chapel Ter........................$ 217,500 • 108 S State St.........................$ 233,900 • 4112 Lake St...........................$ 269,900 Mount Pleasant • 1209 Kenilworth Ave...............$ 160,000 • 935 Sycamore Ave..................$ 157,500 • 3521 Ascot Dr.........................$ 185,000 • 2118 Riviera Dr.......................$ 201,800

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.

home and property sales VACANT LAND Lake Geneva • Lts23-24 Washington Ave. Blk 4.$ 35,000 • 1450 Geneva Club Pl 18-29.....$ 40,000 East Troy • Lt3 E Hwy 20............................$ 60,000 Mukwonago • Lt11 Oakwood Ln....................$ 138,000 Fontana • Lt J7 Tarrant Dr.......................$ 156,500 • Lt1 Deer Valley Rd..................$ 450,000

KENOSHA COUNTY

Page 10

HOMES & DESIGN • HOME BUYER, OWNER & RENTER

JAN. 2020

SINGLE-FAMILY HOMES Kenosha • 1511 61st St..............................$ 72,000 • 5224 25th Ave...........................$ 86,750 • 1404 53rd St.............................$ 97,500 • 5501 37th Ave.........................$ 105,000 • 1415 69th..................................$ 57,000 • 1900 63rd St...........................$ 104,900 • 5521 61st St..............................$ 96,914 • 5803 32nd Ave........................$ 105,800 • 1815 48th St............................$ 116,500 • 2122 27th St............................$ 115,000 • 6225 32nd Ave........................$ 119,900 • 7017 18th Ave.........................$ 123,000 • 3610 19th Ave.........................$ 125,000 • 1332 30th Ave.........................$ 110,000 • 7705 19 Ave............................$ 140,000 • 6522 22nd Ave........................$ 135,000 • 6811 26th Ave.........................$ 139,900 • 3808 7th Ave...........................$ 151,000 • 2321 30th St............................$ 135,500

• 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.

• 415 8th St................................$ 139,900 • 4924 44th Ct...........................$ 137,000 • 5103 28th Ave.........................$ 134,950 • 7816 42nd Ave........................$ 156,000 • 2624 75th St............................$ 141,500 • 6023 32nd Ave........................$ 152,000 • 7555 32nd Ave........................$ 158,100 • 3707 75th St............................$ 161,400 • 6043 49th Ave.........................$ 161,000 • 7532 30th Ave.........................$ 153,000 • 7629 27th Ave.........................$ 165,000 • 7606 32nd Ave........................$ 159,900 • 8128 Cooper Rd.....................$ 149,000 • 7323 33rd Ave.........................$ 159,900 • 9509 60th St............................$ 177,000 • 7621 18 Ave............................$ 174,900 • 6612 43rd Ave.........................$ 162,500 • 7930 25th Ave.........................$ 169,900 • 2103 30th St............................$ 172,000 • 1815 22nd Ave........................$ 179,000 • 6331 59th Ave.........................$ 183,000 • 2222 26th Ave.........................$ 185,000 • 12165 224th Ave.....................$ 175,000 • 7317 5th Ave...........................$ 205,000 Twin Lakes • 1912 Swallow Rd....................$ 247,500 • 709 Ridge Cir..........................$ 265,000 • 1840 Esch Rd.........................$ 270,000 • 214 Wisconsin Ave Lt 3 Bk 11.$ 314,000 Salem • 6021 248th Ave.......................$ 180,000 • 24504 68th St.........................$ 179,500 • 8630 223rd Ave.......................$ 237,000 • 24640 81st Pl..........................$ 279,900 Pleasant Prairie • 8109 109th Ave.......................$ 239,900 • 10152 8th Ave.........................$ 284,900

• 3117 Springbrook Rd..............$ 339,900 • 10118 63rd Ave.......................$ 340,000 Trevor • 23816 126th Pl........................$ 224,900 Silver Lake • 210 E Chestnut St...................$ 160,000 Wheatland • 35323 54th St.........................$ 535,000

CONDOS Kenosha • 1429 28th Ct...........................$ 108,000 • 6935 70th Ct 302....................$ 112,000 • 4105 80th St............................$ 123,400 • 4008 81st St A........................$ 124,200 • 4010 81st St 1C......................$ 127,000 Pleasant Prairie • 6672 102nd St F.....................$ 155,000 Twin Lakes • 139 Lance Dr 202...................$ 405,000

VACANT LAND Kenosha • 4104 55th Ave...........................$ 32,500 Pleasant Prairie • Lt0 8th Ave................................$ 43,000 • Lt 10 24th Ct...........................$ 109,000 Randall • Lt11 391st Lt12.........................$ 25,000 Wheatland • Lt3 75th St.................................$ 73,500 • Lt12 Neumann Ln...................$ 122,000 Trevor • Lt29 Heritage Estates.............$ 119,900

(Continued from page 8)

low 2% range for the second and third quarters.

Early indication suggests that economic growth in the fourth quarter of this year will come at a pace close to the second and third quarters, according to the WRA. “We’ve also seen some promising signs that the trade disputes with Mexico and Canada are being resolved, and that will be a welcome development for the state economy,” said Theo.

The U.S.-Mexico-Canadian trade agreement is nearing ratification by Congress, which

should provide some relief for agricultural and manufacturing sectors, according to the WRA. “Even though home prices continue to rise at a robust pace, they were offset by improvements in income and lower mortgage rates, so our affordability has actually improved,” said Theo.

Mortgage rates are down significantly, dropping from 4.87% in November of last year to 3.7% last month. The Wisconsin Housing Affordability Index shows that fraction of the

median-priced home that the buyer with median family income can afford to purchase, assuming 20 percent down and the remaining balance financed using a 30-year fixed-rate mortgage.

Overall, the Wisconsin Housing Affordability Index increased to 213 in November, up from 201 in November of last year.

“There are still good opportunities out there, and the solid economy and low rates make this an ideal time to buy,” said Theo.

• Freezing temperatures from page 3 temperatures, consider upgrading to a new high-efficiency heating system. It may save you money and energy in the long run, while increasing your comfort level.

Thanks to advances in technology, today’s HVAC equipment can provide more consistent air flow and better maintain a constant temperature in every room. In the middle of winter, all of that adds up to a more comfortable and cozy home without the enormous utility bill.

For the latest and greatest in comfort technology for your winter upgrade, consider a duct-free split system equipped with LG’s newest heating technology, the compact and powerful LGRED° (Reliable to Extreme Degrees), designed for even the coldest of climates. With continuous heating capabilities down to -13 degrees Fahrenheit, LGRED° technology provides superior heating performance that will keep you warm all winter long.

This increased performance not only delivers heat when traditional HVAC systems are unable, but operates with top notch efficiency,

cutting energy costs and increasing savings.

Pair this technology with sleek indoor units, like the LG Art CoolTM lineup, for comfort without sacrificing style. An added plus is that LG systems can make one or many rooms perfectly toasty without tearing up walls or altering the home’s appearance.

BLOCK THE LEAKS If you have drafts or leaks in your home, you’re losing valuable heated air and letting in the cold.

Start by checking doors and windows for any drafts.

• Improve your doors’ weather stripping and use a draft blocker to further keep cold air out; • For windows, an insulation kit and heavy drapes can help you prevent leaks; • If you have an unused fireplace, install a fireplace plug to keep warm air from heading up the chimney; • Cover up mail slots or pet door flaps that may be leaking air, especially at night;

• Close vents and shut doors to rooms that are seldom used, so more warm air can be redirected to rooms in use; • Schedule an energy audit from your energy company to identify areas for improvement; and • Attic insulation is also recommended, since heat rises.

REVERSE CEILING FANS As heat does rise, ceiling fans set on low and adjusted to turn clockwise will help pull up cold air and draw down and circulate warm air that’s hanging out near

the ceiling.

WARM YOUR FLOORS When heat rises, don’t leave your floors out in the cold.

• If you’re interested in remodeling, radiant floor heating can help warm up a room, and has become especially popular for bathrooms; and • Invest in thick, plush rugs to help rooms feel warmer to your feet.

To learn more about ways to easily improve your home’s warmth this winter, visit LGHVAC.com.

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Lots/Acreage VACANT LAND - 1631 Lot 10 Nesting Way, 1605 Lot 7 Rookery Glen, Rochester, Wi. 4.15/4.59 Acres, Zoned A-2, Sng. Res. Beautiful setting for Executive Homes. 1 lot has a 14’ deep pond on it for stocking fish! Land near Environmental Corridor! Minimum building requirements: 2100 sq. ft. - 1 Story, 2500 sq. ft. - 2 Story. EACH LOT $189,000.

Hwy. 36 to Hwy. “D”, east to Rookery Landing Estates - East/West. Please call 262-492-7054.

Wanted to Buy INVESTOR BUYING HOUSES & ESTATES Any condition, no brokers, fast closings. Save this ad for a friend. 262989-7852

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2BR/1.5BA DUPLEX W/D, CA, 1 car GA, close to train, nice neighborhood. $1250 + lease/sec. dep. No pets. 847309-9102.

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WHITEWATER LAKEFRONT LUXURY New Townhouse. 3br/3ba, hardwood floors, granite counters, stainless appliances, washer/dryer, boat dock, very serene/private. $995 month. 262-9496997.

JAN. 2020

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