Issuu

ISSUE 18

WHEN BUILDERS GO

BUST

MY CITY MORTGAGE HAS PLANTED ROOTS IN YOUR HOMETOWN Let Us Help Move Your Clients Through The Lending Process.

“ “ “

Thomas Jussila and his whole team are the best, most professional people I have ever worked with! They are always available to help with any questions and they make the borrowing process as easy as possible. You wont ﬁnd a better company anywhere. Two thumbs up. You have my business for life.

”

From the first conversation to the follow up after closing/funding I never had a doubt all needs, questions, concerns were absolutely met. Extremely personable and easy going Thomas was a breath of fresh air in searching out a cash out refi, never again would I look to a big lender knowing he's out there. All I can really say is thank you for making the process not only easy but enjoyable and simply put I can't recommend him enough for your housing industry financial needs. Thank you Thomas!!!!!

Thomas and his staff were knowledgeable and so very kind and friendly. I worked with Dean and Katelyn. They are both experienced and very well informed regarding reﬁnancing. Their vast skills enabled them to seamlessly and speedily expedite the process. Thomas called after closing to assure I was completely happy and satisﬁed, and to inform me, he would always be available for any future questions or problems. I would happily recommend Thomas and My City Mortgage! A big thank you to you all!!

Thomas Jussila

”

Branch Manager | NMLS# 194821 612-930-0731

gomycity.com Thomas@gomycity.com

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TH S SSUE 4-5 6-9 10-11 12-13 14-15 16-17 18

Holmes on Homes Adamson Design & Style Buyer Demand in the Current Market Home & Style Current Listings and Solds Q&A Crossword & Sudoku

HOLMES ON HOMES So what happens when builders go bust? You’re living through it.. it already happened. Don’t worry – I haven’t lost my sanity and suggesting that our current new construction market is doomed. I’m just trying to grab your attention. Did I get it? Are you listening? This is a continuation of the conversation I’ve had with many of you over the weeks and months.. a continuation of the articles I’ve written about over the last year on our inventory shortage, the boom in demand and where it’s all going. So grab your favorite beverage and sit back and enjoy some fresh new perspective on this topic… here we go! The beginning of this conversation is the current market trends.. super low inventory combined with high demand is making for a bat-shit crazy market. Homes have increased in value at an unsustainable pace. Buyers are fighting for homes in most cases - not all cases as I don’t want to paint too ugly of a picture – but you get it, you can’t miss it. It’s in the news, on tv, you hear it on the radio – crazy housing market, right? The question I always get and the conversation I have most often is - how did we get here and where are we going? The low inventory (and current market chaos) is driven by 2 main factors – builders that went bust and the current crazy high demand. Wait.. what do you mean builders went bust? Yes indeed.. this story starts around 2009. In order to know where you’re going – you need to take a look at where you’ve been. So let’s take a look back on builder inventory over the last 12 years. It’s a distant memory for some and for some current homeowners – they didn’t even own during the last crash. However, it’s still affecting us today. One of the main reasons we have low inventory today is because inventory was not being created at our normal pace for 4

the last 12 years. If you look at the average number of homes being built annually as an average over the last 20+ years, we just got back to that average in 2020. See Fig 1.

inventory to put back in place all the missing homes that weren’t built over the years. This will no doubt take some time. As you drive around the Twin Cities you can see it everywhere – new neighborhoods in just about every corner of the Cities. Minneapolis & St. Paul are also making changes to allow for higher density single family homes too. Instead of allowing only a single family home, Minneapolis is allowing for 2 & 3 unit options to allow for more growth. It’s there.. it’s coming.. but it will take time. So what about the other side of this conversation – the demand. The lack of inventory regardless of demand is certainly real as we just went over. However, the real monster in the room (and yes it’s not an elephant- it’s a monster sized tsunami with endless potential) is the demand.

Figure 1 is a snapshot of annual closed sales for new construction for the last 15 years in our 7-county metro area. Notice something? The bottom fell out in 2009 and continued for 7 straight years only getting back to a normal amount of inventory creation around 2019. Think of new construction as inventory creation. No new construction will eventually equal no inventory to sell. BOOM! As the kids say.. mic drop. Builders got pushed out of business in 2009. Nobody was buying new construction after the crash and there were a lot of people that went out of business. Small builders were done.. medium sized builders were done.. large national builders hung on and of course live to see another day. Today it’s a booming and thriving industry. Despite the costs of construction, people are buying new hand over fist – and it won’t stop regardless of the price (more on that later). So they’re back and it took until 2019-2020 to get to our normal, average annual count of new construction. This isn’t just a MN trend either. For our out of state readers – this happened to you too. This happened across the country. Ever wonder why every market in the country is going through the same inventory crunch?

Why is there such low inventory in a market with already low inventory – because the demand is at an all time high. In 2020 – pandemic year – a year in which the world was on pause.. anything but pause was going on in real estate. More conversation on this tsunami on page 10..

INTERESTED IN SELLING, BUYING, INVESTING or simply need a market analysis? Give us a call today at 651-379-1581

So how does that extrapolate though the years to come? Simply put.. not very well! It’s going to take time to get back available inventory at normal levels. If you look at the supply side alone on this story, it’s going to take several more years of booming new construction 5

FEATURE

ADAMSON

STYLE & DESIGN

ucked away in White Bear Lake is a secret known to some. The lucky few know him as a former football and hockey coach in White Bear Lake. Some are lucky enough to call him a friend! We’re one of the lucky ones here at the Holmes Group as we’ve been honored to be working with Bob Adamson for many years now. As a former custom home builder and owner of Robert Homes, Bob got his start in White Bear Lake in 1982 and built a home for he and his family. A growing family needed a larger home and Bob’s ambitions as a builder took off. He purchased about 20 acres of lake shore on the east side of Otter Lake in

Lino Lakes. Developing that neighborhood and building 6 homes on Otter Lake – Bob was off and running. From the early 80’s through the mid-2000’s, Bob built several small neighborhoods through White Bear Lake, Mahtomedi & Hugo along with several one of a kind homes. Today you can find him remodeling a home with his family or tinkering on a house for his kids. There’s always something to do and there’s no shortage of stories and nostalgia that come with it. It’s been a pleasure to work with him over the years and in this edition we’re going to celebrate his signature Adamson Style & Design.

Bob Adamson btadamsonwbl@aol.com | Cell: 651.387.6262 holmesgroupmn.com

BEFORE

1540 Riverside Ave, Sartell We recently listed this home for $875,000 and had 4 offers in the opening weekend. What a tribute to this beautiful home! This was a custom remodel project for Bob’s brother and sister-in-law with a great story behind it. A long search brought Dick & Mary Adamson to the shores of the Mississippi in 2007. Bob was excited to show them this one-story home in Sartell and the ‘vision’ he had for them. Armed with a roll of painters tape and his imagination, he walked the home and taped out all the changes he wanted to make – vaulting the entry, expanding roof lines, changing the main floor layout, creating a 2nd master suite and so on. Dick and Mary saw the vision and went for it creating this 3,000 square foot main floor estate with panoramic views and Mississippi shoreline. The barrel-vaulted front entry & large front porch open to a main floor drenched in natural light with 16’ ceilings, an open floor plan & panoramic river views. The gourmet kitchen features a pantry, stainless appliances, granite tops, custom lighting & fixtures, breakfast bar and barrel-vaulted ceiling with stone accents. Two main floor master suites each with private master baths provide ample space for family & guests. The floor-to-ceiling stone surround fireplace is double-sided providing the perfect setting for both the living room & sunroom. The main floor walks out to your private rear deck with walking paths, patios, fire pit and generous landscaping. Don’t miss the studio in the backyard with wine fridge or the over-sized detached garage large enough for boats, toys and fun. This home is truly one of a kind!!!

Bellaire Estates, White Bear Lake Just north of County Rd E on Bellaire Ave in White Bear lies Bellaire Estates. Built in 2005, this is a development of 8 side by side single level townhomes. Each had different custom features ranging from walkout basements, rounded windows, bar & entertainment areas and more. The design was ahead of its time with main floor living boasting an array of custom features and an association to take care of the exterior. Perfect for those wanting easy living and quick access to all things White Bear Lake – this neighborhood is still sought after today. Recent sales of these townhomes have values well above $500,000 with timeless design and features.

2501 Sky Blue Court

in Bellaire Estates, White Bear Lake

2500 Sky Blue Court

in Bellaire Estates, White Bear Lake

Family Remodeling Projects

107 Arcwood Ave, Mahtomedi

They say the apple doesn’t fall far from the tree and the Adamson Family is a great example. Son Garrett Adamson picked up on the family talent and remodels homes in addition to other real estate ventures. This project of Garrett’s in White Bear Lake sold at the beginning of 2020 and could only imagine the price today – just a year later.

The talent runs through the family and everybody has a role to play. The entire family dove in on this project in Mahtomedi in a stunning remodel from 2019 to 2020. With design and finishing touches by the Adamson ladies (Tami, Danielle & Ashley), this home is truly remarkable.

BEFORE

2347 Dorothy Ave, White Bear Lake

AFTER

BUYER DEMAND IN THE CURRENT MARKET

hanks for joining us again. Did you refresh that beverage yet? You should do that now as this story is going to get a bit weird and twisted. Ok.. back to the story of our current market chaos. As we discussed earlier, there is low inventory but the real story is the demand. 2020 was supposed to be a year on pause – the ability to hug your kids while you’re working from home or take a bike ride at 12pm to catch a break and then get back to “work” when you could. Well – as people were taking that pause, they took a look around and decided they wanted something different. The home took on a different function – more than ever before in our lives. We now think of our homes as our offices, our school rooms, our getaways, our recreation centers. When you can’t go anywhere and you’re stuck at home – odds are you’re going to want to change your home. Looking back, it makes sense. Having the vision to see it before it happened – impossible. Ask Poolside in Little Canada when you can get a pool installed. Head down to Polaris in Vadnais Heights to check out what’s available to buy for fun toys. Nothing is available and your pool install for 2022 better be scheduled or you may be out of luck. 10

Not only did people want decks, patios, landscaping, additions, recreation and more added to their home – they also wanted a new home. In 2020 – the year of doom and gloom – we had the most homes sold EVER in the state of Minnesota and in US history. I think that’s a sentence worth re-reading. Thought 2020 was busy – 2021 said sit back and watch this! We’re on pace to pass 2020 and have the most sales in MN history AGAIN and in the US too. Think about that for a moment. The most sales EVER recorded in MN history was 2020 and now again in 2021. See Figure 2 below. This is a graph of the total homes sold in our 7-county metro area over the last 15 years. Now look specifically at the last 2 years within that. Mind blown!!

What’s driving that is multiple factors and who’d have thought that a world-wide pandemic that was supposed to stop us in our tracks did anything but. It created the ability to work remotely.. it created the need to change what your home meant and that’s not slowing down or going away. I don’t think the evolution in living style that we just went through will ever go back to pre-pandemic living. I for one won’t look at my house the same way and I can’t imagine you will either. Not only is the demand through the roof but we’re also being enabled like we never have been before. Wait.. what? Money is super cheap to borrow. If you’ve worked with me as a buyer recently, you’ll recognize this concept: $100,000 at 3% on a 30-year fixed costs $420 per month. Yup.. for the price of some peoples’ monthly coffee & cig habits, you can afford an extra $100,000 value in your home. So let me ask you.. does

it matter if the home is $400k or $450k? The difference is $210 per month. For a buyer at $800k.. does it matter if it’s $800k or $900k? Not really.. it’s $420 per month. Don’t get me wrong, a couple hundred dollars monthly adds up but when we’re talking about house payments – it’s pretty darn manageable. So when will demand slow down? I don’t know and don’t be fooled by people saying they do. I do know the affects of pandemic life aren’t slowing down. The meaning of a person’s home I feel is going to change forever moving forward. Interest rates.. are they stable? Absolutely not but I don’t see rates making a difference anytime soon. In my opinion and feel free to ask Thomas Jussila – ad in the front inside cover – you won’t see rates edging higher anytime soon. If they do, will it matter? Remember the narrative above - $100k at 3% = $420/mo.. at 4%, it increases the payment by $56/mo. So it’ll take rates in the high 4% to make a dent in affordability. Is the buyer pool shrinking then once people buy? Is it growing with new buyers? Um yeah.. this is where it gets weird my friends. You’ve got a younger generation that didn’t buy per usual in their late 20’s.. they’re starting to get angry at rent prices and enter the market. Here’s the weird one.. Wall Street. Yeah, they’re coming for your home and it’s something that’s not talked about. Remember that you read it here first. There are 4 million single family home rentals in the US. The vast majority are owned by mom’s and pop’s owners.. people like me and you. 2% of those are owned by big money hedge funds and Wall Street power houses. That’s shifting.. and shifting fast! They want to up their 2% ownership stake to 20% plus. That means they’re literally coming for your home! Instead of owning a skyscraper with 1,000 units – they want to buy 1,000 single family homes and run it as one stable rental pool. Again.. mind blown. We’re not seeing this too heavily in Mpls/St. Paul but this is happening around the country and it’s coming for us too! So where does this leave us on our market of chaos? It leaves us with many questions still but you all know what to look for.. inventory creation, interest rates and buyers entering & leaving the market. Hang in there for the ride and let us know what we can do help along the way. It’ll certainly be an interesting few years ahead of us!! 11

HOME & STYLE

NATURE’S CANVAS

A new home and neighborhood near Stillwater prove that nature provides the best design direction.

arming 120 acres of land near Stillwater for 10 years— and mentoring immigrant farmers on the land for nearly 15 more—has given David Washburn an intimate understanding of nature’s nuances. “The views here are quite extraordinary,” says Washburn, the longtime owner of Minneapolis’s former Valcucine kitchen showroom. “Our goal has always been not to screw it up.”

ACKNOWLEDGE THE REALITIES OF WEAR AND TEAR Strom and his team planned the open kitchen, dining room, and family room for maximum function and fun. “This is where the family lives every single day—preparing meals, playing with toys, watching TV,” he says. Furnishings are comfortable and, perhaps surprisingly, mostly commercial. That allows for maximum wear- and stainresistance, says Frisk, and many of the pieces, including the dining room table and yellow family room chair, come from her showroom, Fuse, at IMS. “We knew not to treat this structure like a work of art,” Frisk says. “They’re going to live hard in these spaces.”

Builder and business partner Bob Appert jumped to join him in developing the farm, along with an adjacent 200 acres they acquired three years ago, to become a neighborhood called White Oaks Savanna. “I knew right away it was something special,” Appert says. They worked closely with landscape architect Travis Van Liere on

DON’T RULE OUT A LIVING ROOM, BUT MAKE IT LIVABLE Architect Christopher Strom was tempted to forgo a separate living room in the 3,500-squarefoot house, but the owners wanted a space where they could have a conversation while kids played in the family room. Here and elsewhere, “color is held back, which works well when a home isn’t too large,” interior designer Christine Frisk says, noting that main-level walls are all painted a SherwinWilliams beige called Drift of Mist. Pattern in the living room rug from Legacy Looms at IMS helps hide soiling, and the floors are white oak. “It’s such a hard-wearing material that can be easily refinished down the road,” Frisk says.

deciding how to site the houses. “They’re like cutouts in this preserved rolling prairie grassland,” Washburn says. Construction on the first one wrapped up in September. “It provides the perfect example of how we want to nestle all the houses into the landscape,” Washburn says. “You feel that right away—the house comes and goes and almost disappears as you drive down the road.” Here are a few other takeaways from the design team. 13

CURRENT LISTINGS 103 Kreekview Drive, Osceola WI 54020 $349,900

Adam Brunfelt Keller Williams Premier Realty

Welcome home to this wonderful 4BR/3BA rambler on a large corner lot in Osceola! The main floor of this home features three bedroom and two bathrooms including a master bedroom with a private 3/4 bath that has a spacious tile shower. The main living area of the home features maple hardwood floors, a cozy gas fireplace, and a nice open kitchen with maple cabinets and a large center island. The laundry is also on the main floor for great convenience. The finished lower level has attractive tongue and groove wood ceilings and brand new flooring and a nice size family room. The large 4th bedroom is also down here and it includes two closets to add to the generous storage apace found in the lower level. The backyard is fenced in with newer vinyl coated chain link fencing and the exterior of the home has fiber cement siding with brick on the front and brand new gutters all around. One year Home Warranty included! Nothing to do here but move in and enjoy!

780 Sextant Avenue W. Roseville, MN 55113 $339,900

1267 Paris Avenue N, Stillwater MN 55082 $1,695,000

Keller Williams Premier Realty

Joe Bryski Keller Williams Premier Realty

Welcome home to this adorable home located in the heart of Roseville! This multi-level home features gleaming hardwood floors, updated kitchen and baths, two wood burning fireplaces, massive 3 season porch and a huge yard!!!

795 203rd Lane NE East Bethel MN 55011 $344,000

Keller Williams Premier Realty

This exquisite timeless home has custom details inside and out. There is extensive landscaping, a deck overlooking the St. Croix Valley, and a gorgeous paver patio and driveway. There are dramatic entertaining spaces, grand staircases and show-stopping lighting. Enjoy cooking in the beautiful kitchen with vegetables, fruits & eggs from your own backyard! The recently remodeled office is eloquent & sophisticated. The home boasts intimate family quarters and a large private master retreat. A few other unique items you do not want to miss include the barrel vault ceilings, extensive granite & marble, hardwood floors, home theater, loft, full bar with kitchen, exercise room, in-floor heat, central vacuum, cherry cabinets, 3 level window wall, expansive windows & natural light throughout.

This home is the one! With over 1 acre and pristine setting with mature oaks & maples, this home is a must see. Newly updated with luxury vinyl plank flooring, carpet and paint throughout – this open floor plan is turnkey and ready for any buyer. The kitchen features enameled cabinets, granite tops and new fixtures. The main floor walks out to your over-sized deck with private rear views, generous landscaping & retaining walls. The lower level has custom ash paneling, stone surround wood burning fireplace with hearth & mantle and provides tons of storage. Don’t miss the custom cabinet & storage under the stairs, large laundry room & more. This home is a must see and set to impress.

Joe Holmes joeholmes@kw.com holmesgroupmn.com Office: 651.379.1581 | Cell: 651.491.2151

Bob Adamson btadamsonwbl@aol.com holmesgroupmn.com Cell: 651.387.6262

CURRENT LISTINGS 1790 Johnson Drive, Stillwater, MN 55082 $599,900

Keller Williams Premier Realty

Fantastic opportunity to own a home on the 8th tee box in the premier Oak Glen Golf Course! This meticulously maintained, stylish 2 story home is sure to impress. Step inside into a beautiful foyer, bright and open living room and formal dining room with panoramic golf course views, family room with gas fireplace, kitchen with SS appliances. On the upper level you will find a large loft, large 2nd & 3rd bedrooms and full bath, luxurious master bedroom with lots of natural light, a huge ensuite bath, his/hers walk-in closets & sinks and your very own balcony to enjoy your morning coffee on. In the lower level you will love the family room with it’s own dining room & kitchenette great for entertaining year round, large bonus room area and 4th bedroom and storage room. Step outside to a beautifully landscaped yard with a waterfall feature in the backyard, small fish pond, sitting area and gorgeous views. Location, space and amenities, this home has it all.

Heather Pederson hlpederson@kw.com holmesgroupmn.com Cell: 612.964.2524

3989 Goodwin Avenue N, Oakdale MN 55128 $349,000

9320 Niagara Lane N, Maple Grove MN 55369 $374,000

Keller Williams Premier Realty

Fantastic 4 bedroom / 2 bath home that’s been very well maintained and in turnkey condition. Enjoy the bright & open floor plan with informal dining, kitchen peninsula and private rear views. The master suite features a large walk-in closet. The lower level boasts a stand-alone gas fireplace with built-in surrounds & tons of storage. The private back yard features a patio, generous landscaping, storage shed, firepit and pond views.

Fantastic one-story home with lower-level walkout located on a quiet cul-de-sac. Enjoy the open floor plan with updates inside and out. The main floor features luxury vinyl plank flooring, family room with floor-to-ceiling brick surround fireplace, sunroom accented with barn doors and gourmet kitchen. The gourmet kitchen has it all – corian tops, center island with drop-in sink, stainless appliances, custom fixtures, backsplash and tons of storage. The lower level features a theater room perfect for entertainment, a bedroom with built-in quad beds and so much more.

Jay Mangine jaymangine@kw.com holmesgroupmn.com Cell: 612.865.0400

Q A

Can a seller keep a buyer’s earnest money?

Joe answers questions he received from clients. Feel free to submit your own question.

Email us: joeholmes@kw.com

Great question and many tangents would be needed to really do this justice. The short answer is that it is certainly possible. Earnest money funds are typically non-refundable after all the buyer’s offer contingencies are satisfied. If the buyer doesn’t close per the offer terms, it’s possible they’re in breach and could lose their earnest funds. However, in MN in order to cancel a purchase agreement, both parties need to sign the cancellation document. Within that document it states where the earnest money goes. So if it’s supposed to go to the seller but the buyer refuses to sign, you have potential for issues. There’s a statutory process that would need to play out and that can take months. So in the end, even though the seller may have the right to do so, actually getting the funds may be difficult. See what I mean.. tangents can fly on this question!

How long will this current real estate market frenzy last? Well this is certainly the # 1 question we get as realtors and dedicated 4 pages of this magazine on the topic. Nobody knows for certain but the factors to watch are still the basics.. supply vs. demand. I think the market imbalance will ease up a bit in 2022 and we’ll see appreciation slowing down and to normal levels. I think it’ll take 2-3 years to start to see inventory counts up around more balanced levels. Remember that it’s still a crazy huge seller’s market if it takes 30-60 days to sell a home. That’s still a HUGE seller’s market but think of how strange that will feel when we get there.

Mortgage Insurance – should I put more money down to avoid it?

How long does it take to buy a home?

Any buyer that’s worked with us has heard this before.. It depends. You have to buy into a financial theory and stick with it… and to each their own on what that could be. Here’s mine: money is cheap to borrow it, so I’m a fan of borrowing it. To avoid mortgage insurance, you have to put 20% down or more. If you’re buying a $500,000 home.. putting $50,000 vs. $100,000 can be significant! That’s an extra $50k out of pocket. What’s not significant is the mortgage insurance payments these days. Chat with your lender to confirm but the MI payment on that would be $125 (appx) per month. Not too bad and that allows extra funds for the move and all that comes with it!!

Typically a buyer will ask for a closing date 3045 days out from the date of the offer. At times you see offers with shorter or longer time frames depending on what both parties are looking for. Cash offers can close fairly quickly but still need some time for title work to be completed… on the short side about 10-14 days. As for a buyer just starting their search, we recommend getting out on showings with us no shorter than 3 months prior to when you want to buy and close on a sale.

Why is my tax value different than my actual value? Good question! The tax assessment comes from your county. Each county has a different method of calculating value and designed for the purposes of tax collection. That’s completely irrelevant when it comes to market value. Market value would be described simply by what a buyer is willing to pay. You know my soapbox. The more buyers there are for the home the more it could be worth. I say “could” because those buyers need to know it’s for sale too. That’s where we come in!

Have a Question? CALL US TODAY! 651-379-1581

OnlineCrosswords.net This is the Daily Crossword Puzzle #1 for Aug 7, 2021

Find the solution at https://onlinecrosswords.net/1550

CROSSWORD SUDOKU Puzzle A

Across 1. Not bare 5. Type of shop 9. Sarah's son 14. Function 15. Sword with a guard 16. Purple shade 17. Georgia locale 18. Bonneville deposit 19. ___-Deetoo of "Star Wars" 20. British dish 23. Nine-digit ID 24. Shaker or Bklyn. 25. Comparative suffix 26. "Whether ___ nobler ..." 27. Contemplated 32. Luxurious sheet material 35. MC, numerically? 36. Logging tool 37. German dish 41. Byron's daughter 42. Moose relatives 43. Actress Witherspoon 44. Bank figures 47. Display monitor on an ATM 48. Norwegian rug 49. That boat 50. Spare hair 53. Italian dish 58. Hobbit Baggins 59. Injure seriously 60. Express audibly 61. Bushed 62. Give the once-over 63. Twiddling one's thumbs 64. Badlands plateaus 65. Neither raises nor folds 66. Auctioneer's call

8 3 7 5 6 1 8 9 2 2 3 8 3 5 2 6 1

Puzzle B

4 9

7 1 3 2 9 5 6 1 6 8

7 2

5 4 8 2

9 6 3

3 5 7

8 5 7 2 4 9 1 2 1

Issue 17 Sudoku Solutions Puzzle A

8 5 1 7 6 2 4 9 3 18

7 3 2 4 9 1 8 5 6

6 9 4 3 5 8 1 2 7

Puzzle B

3 1 7 5 8 4 9 6 2

4 6 8 9 2 3 5 7 1

9 2 5 6 1 7 3 8 4

2 7 9 1 3 5 6 4 8

5 8 3 2 4 6 7 1 9

1 4 6 8 7 9 2 3 5

8 6 7 9 4 2 1 3 5

5 1 4 8 7 3 6 9 2

9 3 6 1 5 6 8 7 4

4 5 8 7 9 1 2 6 3

6 7 1 3 2 4 5 8 9

2 9 3 5 6 8 4 1 7

7 4 5 6 8 9 3 2 1

1 2 6 4 3 7 9 5 8

3 8 9 2 1 5 7 4 6

Down Across Down 1. Maryland specialties 45. Peninsula near the 22. Drapery material 1. Not bare 1. Alley Maryland specialties Red Sea 2. Takes it on the chin 26. ___ Pan 5. Type of shop 2. Takes it on the chin 46. They may be nude 3. Completely 27. Afro combs 9. Sarah’s son 3. Completely unfamiliar unfamiliar 47. Set of bells 28. ___ and aahs 14. Function 4. Unhearing 4. 49. Your umbrella, 29. Bring5. down the constantly 15. Unhearing Sword with a guard Troubles perhaps? 5. constantly house? 6. Girasols 16. Troubles Purple shade Emerson's middle 6. 30. Former 17. Girasols Georgia locale 7. spouses Farmer’s place, in50. song name 18. Farmer's Bonnevilleplace, depositin 8. Himalayan creature a typo 7. 31. Remove 19. -Deetoo of “Star Wars” 32. Ear cleaner 9. Pictured mentally51. Counting everything song 20. Himalayan British dish creature 10. about “Beingan and Nothingness” 52. Likewriter heaven's 8. 33. Opera 23. Nine-digit ID 11. Private transport entrance Ethiopian slave girl 9. Pictured mentally 24. Shaker or Bklyn. 12. Cosmetics brand 53. Anagram and 34. Popular game bird 10. "Being and 25. Comparative suffix 13. Top exec synonym of evil Nothingness" writer 35. Gilligan's spot 26. “Whether nobler ...” 21. Caterwaul 11. Private transport 38. News22. windup 27. Contemplated Drapery material54. Architectural add-ons 12. Cosmetics brand of verb (Abbr.) 32. Luxurious sheet material 39. Kind 26. Pan Alley 55. Cookie magnate 56. Fume 35. MC, Afro combs 13. Topnumerically? exec 40. Hanoi27. observance 36. Logging tool 28. and aahs 57. Nile wader 21. Caterwaul 37. German dish 29. Bring down the house? 58. "Batman" sound 41. Byron’s daughter 30. Former spouses 42. Moose relatives 31. Remove a typo 43. Actress Witherspoon 32. Ear cleaner 44. Bank figures 33. Opera about an Ethiopian slave girl 47. Display monitor on an ATM 34. Popular game bird 48. Norwegian rug 35. Gilligan’s spot 49. That boat 38. News windup 50. Spare hair 39. Kind of verb (Abbr.) 53. Italian dish 40. Hanoi observance 58. Hobbit Baggins 45. Peninsula near the Red Sea 59. Injure seriously 46. They may be nude 60. Express audibly 47. Set of bells 61. Bushed 49. Your umbrella, perhaps? 62. Give the once-over 50. Emerson’s middle name 63. Twiddling one’s thumbs 51. Counting everything 64. Badlands plateaus 52. Like heaven’s entrance 65. Neither raises nor folds 53. Anagram and synonym of evil 66. Auctioneer’s call 54. Architectural add-ons 55. Cookie magnate 56. Fume 57. Nile wader 58. “Batman” sound

SOLD

139 126th Avenue NW, Coon Rapids MN 55448

SOLD

906 Galtier Street, Saint Paul MN 55117

SOLD

2653 Bloom Road, White Bear Twp MN 55110

SOLD

511 Moline Loop NW, Isanti MN 55040

SOLD

1584 Woodbridge Street, Saint Paul MN 55117

SOLD

742 Lake Ridge Dr, Woodbury MN 55129

SOLD

1981 Blue Jay Street, Shakopee MN 55379

SOLD

5131 Winchester Lane, Brooklyn Center MN 55429

Easy. Simple Real Estate.