The Real Estate Book of North Florida

NEW LISTING

0.74 Acre. Own of piece on this spring-fed pristine river! This property has been in the same family since 1985. MLS#117907. $738,000

Text RBJMPKH to 52187

JENNINGS

Beautiful home plus bonus room! MLS#118812. $199,900

Text RBJKTGM to 52187

JASPER

Affordable Brick Ranch Home in North Florida! MLS#118260. $139,900

JASPER Brick Ranch Country Estate Close to Town!

Beautiful home features 3 bedrooms, 2.5 bathrooms, large kitchen, formal dining room, formal sunken living room & sunken den with wood-burning fireplace. Covered front porch with access to climate-controlled 2-car garage. Pavilion situated near pond. Treehouse. Chicken Coop. New Ceiling Fans. New Dishwasher. 2 New High End A/C Units (humidity control & Internet capabilities) & 1 New Mini Split Unit. Laundry located off Kitchen. Open Back Patio. Shared Paved Driveway. Access on 104th Place too. Public Water & Septic Tank. Well on property but not in use. Take a look today! MLS#118829 $365,000

Samantha PRUETER

REALTOR 2

FORT WHITE

Beautiful 10 Acres in Ft. White! Pick your spot to build your new home or manufactured home. Bring the horses too. MLS#118518. $110,000

386-623-1217

sales@uclifestyleproperties.com

352-256-3785

Office: 386-938-1300

1279 Hamilton Ave., Jennings, FL, 32053

Text RBJMPKJ to 52187

FORT WHITE

Text RBJJSBY to 52187

Text RBJLNSJ to 52187

2 bedrooms, 2 baths. 1112 sq ft. 1.95 acres

3 bedrooms, 2 baths. 1386 sq ft. 0.23 acre

540 WEST DUVAL ST., LAKE CITY, FL 32055 - (386) 755-6600

LAKE CITY. Home located close to downtown with a large Florida room. 3 bedroom 1 bath home. Living room. Kitchen. Oversized laundry room. 1 car covered carport. MLS#116767 $119,000. Tanya Shaffer 386-397-4766

LAKE CITY. Well maintained, solid 3/2 Fleetwood w/new HVAC, new metal roof, back steps & front deck/steps. Open plan, fenced corner lot in quiet subdivision convenient to Lake City, Gainesville & Fort White. Elevation survey completed & available to drastically reduce flood insurance premium. MLS# 118199 $145,000. Angel Rogers 386-288-9383

LAKE CITY. Cute home, needs a little handy man touch, large great room with fire place to enjoy your family. Kitchen has been remodel updated cabinets and counters. 6 lots almost a full block with access to four paved streets. Two carports and enclosed shed or workshop. MLS#117039 $175,000. Paula Lawrence 386-623-1973

LAKE CITY. Home sets back off of road for your privacy, with a gate entry, fresh water pond with fish in it between home and Blanton Rd. Fenced on all sides with 2 new wells. A covered front porch 72' X 12' for you sit on and enjoy the country scenery and fresh air. MLS#118725 $259,000. Paula Lawrence 386-623-1973

LAKE CITY. 3BR/2BA brick home on 1 acre lot. Plenty of storage. Home currently has tenant on month to month. New Flooring throughout. Information regarding rent/lease provided for serious inquiries. MLS#115424 $283,000. Koby Adams 386-623-7840

LAKE CITY. Lovingly well maintained and updated home. This 3/2 split plan sits on 5 acres. SS Appliances, gas range stove, and granite countertops. Large Florida room has views of a private backyard paradise. Wood Burning fireplace for those North Florida cool nights. MLS#117897 $378,000. Kay Priest 386-365-8888

TEXT RBJDMBP TO 52187

TEXT RBJKPWX TO 52187

TEXT RBJFKBT TO 52187

TEXT RBJMGXM TO 52187

TEXT RBJKFFP TO 52187

TEXT RBJJRKL TO 52187

TEXT RBJMLTK TO 52187

RETIREMENT COMMUNITY

Completely remodeled & move-in ready. Very desirable Eastside Village retirement community. Upgrades: Sidewalk pavers, cabinets & granite counter tops, all new flooring, handicap accessible tiled walk-in showers, whole house generator, newer A/C & newer roof 2019. $295,000. MLS#118800

TEXT RBJMJKG TO 52187

HISTORICAL HOME

Completely gutted & restored historic home in downtown White Springs. Everything was replace in 2018 from new windows, new plumbing, new electrical, new roof, new appliances, new A/C, & flooring. Large master w/walk in tiled shower. Large workshop. $259,900. MLS#118745

TEXT RBJLMKP TO 52187

LAKE CITY

Immaculate move-in ready home! 3/2 brick home on over 3.5 acres completely fenced w/paved circle drive, lrg workshop, & chicken coop. Whole house generator. Lrg bdrms/closets, granite counters, tiled showers, custom cabinets, & water softener. windows. $566,000. MLS#118505

HOME

ARE THESE DEAL BREAKERS?

After making an offer on a home, you'll enter a contract, part of which should always include getting a home inspection from a licensed professional. It is recommended that any homebuyer make an offer to purchase contingent upon a home inspection that allows you to withdraw your offer if there are any major issues discovered during an inspection.

More than likely, the home inspector will find problems that need to be fixed before closing. Major foundation issues and significant water damage are at the top of the list of signs to walk away from.

On the other hand, there are some home defects found during an inspection that don't have to be dealbreakers. Many of them can be fixed, and they can be used to negotiate with the seller for a lower price point or additional help with the closing costs.

LEAD-BASED PAINT

Lead-based paint was banned in 1978, but it's still possible that you could purchase a home that contains it if it was built before the ban. The sellers should disclose this, but the home inspector may find it, as well. It doesn't have to be a deal-breaker: you can hire a contractor who is certified to remove lead-based paint, and the home will be completely safe.

CONCRETE FLOOR CRACKS

Cracks in a concrete basement floor may seem like a structural problem, but this is natural and not indicative of significant damage. Small cracks occur in concrete because it's a porous substance. These cracks can be fixed at a relatively low cost and shouldn't be a reason for you to back out of a contract. Cracks in concrete walls, however, should give pause for concern.

MOLD

Mold is something that no one ever wants to see in a home you put an offer on, but a little bit of mold by the shower doesn't mean you need to back out of your offer— at least not immediately. If mold is found during the home inspection, have a qualified mold inspector look at it to determine if it is a deal breaker.

When problems arise during home inspections, it doesn't always mean you have to back out of your contract. Home inspectors will often find problems outside of their scope of expertise, so always get a second opinion from a specialist before making a final decision. In many instances, these problems are opportunities to negotiate with the seller. You can request that the seller do the repairs or ask for money to put towards repairs. Either way, hiring a licensed home inspector will put your mind at ease and help you make your final decision on a home.

This remodeled home boast engineered wood floors, new cabinets, new roof, new paint, tape & textured walls, and much more. All this on a paved road under majestic oaks. South of Lake City

MLS#117139

OF PEACEFULL COUNTRY VIEWS

FROM FRONT AND BACK PORCHES ARE SURE TO PLEASE ON THIS REMODELED AND READY- 4 BED/2BATH ON 4 ACRES- This home is convenient to Live Oak, Lake City, and the Rivers. Come and see the large Owners Suite, with vinyl plank flooring through-out, NEW paint, septic has been inspected. WALLS ARE TAPE AND TEXTURED.MLS#115602

ON DUVAL STREET (US 90)

TOTAL SQ FT 31754 OF COMMERCIAL OPPORTUNITY on a corner Paved parking and signage

MLS#117319

just off Highway 129 and/or County Road 252 in Suwannee County. MLS#117540 $100,000

TEXT RBJHDGP TO 52187

JASPER

200 ft on the Suwannee River consisting of 2 lots that total 1.49 acres. Great place to take the family camping or enjoy nature. Approx .5 miles from the mouth of the Alapaha & .5 miles from Gibson Park, where there is a public boat ramp. MLS# 118705 - $55,000

MINDY WILKISON 386-209-7658

LIVE OAK

Country living at its finest. This 11.64-acre homesite has a 2009 2B/2.5b home with 1344 sq ft w/two en suite bedrooms (master bedrooms each with full bathrooms and large walk-in closets) and approx. 912 sq ft in porches and carport. MLS#117908 - $370,000

ANITA HANDY 386-208-5877

MCALPIN

BRAND NEW NEVER LIVED IN beautiful cleared property (5 ac), all wood laminate floors, coffee bar, utility room, large living room/dining room, kitchen island with bar (4 stools), large walk in shower in master bath. MLS#118119 - $259,900

GLENDA MCCALL 386-208-5244

LIVE OAK

Owner is there part time PLEASE call listing Agent! Wow! This place has man caves, she-sheds and plenty of room for all your toys! Add a large site built home with inground pool and a pavilion off the pool area.

MLS# 117595 - $379,900

RIC DONOVAN 386-590-1298

We Serve Suwannee, Hamilton, Madison, Lafayette, & Columbia Counties

NEW TO THE MARKET this beautiful 3/2 home is situated on a corner lot. Porcelain tile thru out, beautiful stone fireplace in family room. New roof will be installed. MLS#118045

SPRAWLING, GORGEOUS 10 ACRE TRACT overlooking large pond and wildlife galore. DWMH has been remodeled , new roof, new flooring. Open floor plan . Fireplace, and french doors opening on to a deck overlooking the water. Front porch is covered. Property has a large barn 20X38 with concrete floor, water, power & sewer.

-

COMMERCIAL GENERAL / HOME (THEY CAN USE FOR EITHER OR BOTH) on Main Blvd (Hwy41) one block from Baya Ave. Completely renovated Handicap Accessible. Driveway offers access to Main or Alamo Dr. MLS#117910

$229,900

COMMERCIAL

$299,900

REDUCED - $254,900

Nancy Rogers Broker/Owner GRI 386-867-1271

Bill Howe Realtor 386-697-1917

Shellie Young Realtor 386-234-0233

Brooke Busscher Realtor 386-466-6381

THINK OUTSIDE THE BOX

EXPAND YOUR SEARCH

Find your next home by searching our network of over a million properties for sale or rent. Filter your results, find open houses, connect with trusted agents and more!

HOW TO

GO FROM RENTER TO HOMEOWNER

You’ve been saving for a while, and you’re finally ready to move out of your apartment and take the leap to home ownership. Becoming a first-time homeowner is both an exciting and a stressful process, but the payoff is well worth it once all the papers are signed and the keys are in your hands. Be sure to read on for some useful tips for preparing for home ownership and what to expect once you move in.

Chances are, you’ve been renting from a landlord who was on the hook for minor repairs and major upgrades, not to mention yardwork and a lot of other upkeep. Now, all those tasks fall on you.

Set Some Money Aside

A good rule of thumb is to set aside one percent of your home’s purchase price per year for maintenance. So, if for example, your home cost $300,000, you should put aside $3,000, or about $250 a month, for home repairs. If you’re buying a new construction home, you shouldn’t have major repairs right away and you’ll likely have a new home warranty covering any maintenance costs. By saving this money now, particularly if you’re moving into an existing home, you won’t have any surprises if a hot water heater breaks or if you need a new roof down the line.

Inspect Before You Buy

A proper inspection of your new home will alert you to problems that already exist. There shouldn’t be any issues in a new construction home, and, if anything, only minimal issues in an existing home, but an inspection can ensure that everything is installed properly or that you can negotiate with the seller for any minor repairs to be incorporated into the purchase price.

Stay on Top of Maintenance

This doesn’t just mean keeping up with yard work and cleaning, even though they’re important. You’ll want to do an annual survey of your major appliances and know what they look like when working properly. Keep your eye on the roof or visible pipes as well –

catching a problem early is key to preventing expensive repairs. Keep the name of trusted plumbers, HVAC repairmen, and electricians just in case.

Get a Hold of Your Finances

Finally, another major difference between renting and owning is the status of your finances. The first year you own a home, your taxes will become much more complex – so this might be the year you turn to a tax professional (if you don’t already do so). Second, start to budget. Chances are, you’re going to need to fill up your additional square footage with new furniture or electronics. Other things like lawn mowers, grills, and other seasonal products will be needed too, so make sure to comparison shop at the right time for a great deal.

MLS#118416 Text:

To: 52187

In scenic North Florida lies this beautiful 40-acre mixture of large live oaks & planted pines (5ac of 30yr slash pines; 35ac in 22yr longleaf pines); pine straw revenue is appx $5,000/annually.

$300,000 EVAN CRAPPS 386-209-4393

TWO (separated) lots in Three Rivers Estates with an HOA ($150/ Annual) that comes with keys to 7+ community parks, 2 with boat ramps, on the Santa Fe and Ichetucknee Rivers!

$25,000/Each DANIEL CRAPPS 386-397-3002

MLS#117220 Text: RBJFZWR To: 52187

PRIVACY & STUNNING LIVE OAKS! This picture-perfect 6.21-acre lot on private cul-de-sac would make a gorgeous setting for your sitebuilt home! HOA $60.00/Year

$80,000 DANIEL CRAPPS 386-397-3002

Like new 3BR/2BA mobile home in beautiful western Suwannee County, less than a mile from the Suwannee River. One owner, and they still have the matching spare paint. Move in ready!

$250,000 EVAN CRAPPS 386-209-4393

MLS#117116 Text:

LAKE CITY (COLUMBIA COUNTY)

To: 52187

Absolutely gorgeous lots off scenic Butler Glen for site-built homes only consisting of wood, masonry, brick, or hardy board; 30' easement required from front of property; 3 lots available.

$54,900/Each DANIEL CRAPPS 386-397-3002

MLS#117791 Text: RBJJFVJ To: 52187

WELLBORN

Beautiful 4.69-acre scenic lot in Pennington Oaks just off CR-252 south of Wellborn w/easy access to Lake City & Live Oak; Paved Road and underground electric is in place; $200 ANNUAL HOA. Mobile homes are allowed. $65,000 EVAN CRAPPS 386-209-4393

MLS#117242 Text: RBJGDFR To: 52187

LIVE OAK (SUWANNEE COUNTY)

Beautiful, fully remodeled 3BR/2BA mobile home in quiet Butterfield acres. Corian counter tops, luxury vinyl plank flooring, handicap modifications. Wheelchair Ramp. Shed and workshop have power. $200,000 EVAN CRAPPS 386-209-4393

LAKE CITY (COLUMBIA COUNTY)

93.6 ACRES of great exposure from I-10 and US-41! Appx 9.5 acres fronts the on ramp heading west (north side of I-10); the remainder fronts the off ramp heading east (south side of I-10) 65 interior acres zoned A-3; 28.6 acres fronting US-41 zoned CHI; AADT - 24,000. $2,808,000 DANIEL CRAPPS 386-397-3002

LAKE CITY (COLUMBIA COUNTY)

RBJLFML

RBJFQLT

BRANFORD (SUWANNEE COUNTY)

MLS#113648 Text: RBHKQMC To: 52187

(SUWANNEE COUNTY)

LAKE CITY (COLUMBIA COUNTY)

LIVE OAK (SUWANNEE COUNTY)

MLS#118447 Text: RBJLFMM To: 52187

MLS#118787 Text: RBJMKFX To: 52187

Daniel Crapps

(386) 397-3002

dcrapps@danielcrapps.com

Tom Eagle

(386) 961-1086

291 NW Main Blvd., Lake City, FL 32055 - 386-755-5110

MLS#117305 LAKE CITY (COLUMBIA COUNTY)

2-acre tract. This industrial subdivision’s convenient location is off Arrowhead Terr -with quick & easy access to SR-47 & I-75; all lots zoned ILW - perfect for variety of uses;

MLS#118194 LAKE CITY (COLUMBIA COUNTY)

This space could have many uses with CI zoning; this parcel is on the east side of existing parcel. $1,500/mo

LAKE CITY (COLUMBIA COUNTY)

FOR LEASE! 2,950 SqFt office or retail space on Main Blvd inside city limits

$2,950/Month

MLS#118877 LAKE CITY (COLUMBIA COUNTY)

Great exposure on Baya Dr! Extra lot in back of bldg; low rent can be increased as some tenants are month-to-month; 5 units on 1st floor; 2 units on 2nd floor; PRICED TO SELL due to its curb appeal and variety of professional uses $695,000

MLS#117906 LAKE CITY (COLUMBIA COUNTY)

EXTENSIVE EXPOSURE ON THE CORNER OF US-90 & NE HERNANDO AVE! First floor has 2,448 SqFt with several large open rooms and the second floor has 2,885 SqFt with over a dozen offices and common areas. $4,584/mo

LAKE CITY

COUNTY)

Prime commercial property with ample exposure on SR-247 just north of the I-75/SR-247 intersection; zoned CI & RMF-1

$599,000

tomeagle45@gmail.com Visit

LAKE CITY (COLUMBIA COUNTY)

Perfect area for development – 6.67 acre commercial lot, zoned Commercial Intensive, less than 1 mile to I-75/SR-47 interchange! $650,000

MLS#101088 LAKE CITY (COLUMBIA COUNTY)

COMMERCIAL PROPERTY ON US-90! Close to I-75, medical facilities, shopping centers, and banking facilities $699,000

MLS#113562

(COLUMBIA

MLS#114694

MLS#118276

Candice LAND

386-590-1373

candice@ucsmith.com

MCALPIN. MUST SEE!! Please call to discuss immediate occupancy if desired. Beautiful income producing, Airbnb rental property on 5 gorgeous acres w/ a fully furnished 2 bdrm 1 bath manufactured home. Turn key, Ready to go! Amazing 4.9 out of 5 star rating due to ALL wonderful reviews. 84% occupancy rate. Owners will transfer all upcoming rentals to new buyers. The next 6 months worth of rental income has already been secured!

MLS#118068 $149,900

JASPER. 3 bdrm 2 bath country home on 16 acres on a paved road. Approx 5 acres cleared,11 acres planted in 26 yr old slash pines (current value est. @$21K). Outside is a gardeners dream- many fruit trees/bushes, Camellia bushes & Japanese Magnolias this yard has been well maintained. Lrg irrigated area for a garden & pond for fishing! 3 sheds for storage. Inside you'll find beautiful hardwood floors in the formal living room. Large updated master bath w/ laundry area inside the bathroom! Family room/den off the kitchen is the perfect cozy spot! MLS# 118211 $385,000

Smith & Associates Inc.

O'BRIEN. 11.6 wooded acres in O'brien. Wooded with large oaks and some pines. Very few neighbors. Mobile homes allowed. No flood zone. No restrictions. Located on a private road with very minimal traffic. Farm animals allowed. MLS# 118069 $112,000

MAYO. 503.13 acres in Lafayette County, Florida. Approximately 18 acres planted in 5-6 year old pines, some wooded area, and majority of acreage has just been cleared and replanted in pines. Creek runs through front of acreage. Over 3 miles of roads that circle entire property, easily drivable. Great hunting area. No restrictions. PAVED road frontage. Located minutes from Dowling Park and the Suwannee River. MLS#118855 $2,500,000

WHITE SPRINGS. Private 10.47 acres of planted pines ready for your home, mobile home, camp, hunting or investment property. Pines are approximately 8 years old. Shed on property will convey- but no value given. Great area for hunting with plenty of deer and turkey. Historic town of White Springs with the Stephen Foster Folk Culture Center State Park and the Suwannee River are within minutes from this acreage. No restrictions so bring the farm animals and the family! Located minutes from I75. MLS#118327 $80,000

LEE. 21.05 acre parcel located in Lee, Florida with many possibilities. Farm, home site, or hunting property! Recently had some mowing and clearing completed. No restrictions, no flood zone. Mobile homes allowed. Great area for hunting with plenty of deer and turkey. Located just outside of the town of Lee. Minutes to I-10. Seller has survey. MLS#118306 $125,000

on 2.44 acres! 21x16 new deck overlooking the pond. New metal roof in 2022. New drain field system. Home is wired for emergency generator. NO HOA and NO restrictions. Located on a paved road less than 5 minutes from downtown Live Oak. MLS# 118461 $199,000

office

LIVE OAK. 21 acres with frontage on Lake Louise! This lake front acreage offers gorgeous views of the 100+ acre spring fed lake that's full of bass and bream. Bring the family to enjoy the views, fishing or boating! Entrance to the property is right off County Road 136 which is a paved road. Come build a home, mobile home, or use as recreational property. NO HOA and NO restrictions! Farm animals are allowed! Located about 5 minutes from downtown Live Oak. Acreage is approximately 21.7 acres. MLS#118397 $425,000

O'BRIEN. Country home on 1 acre! This two bedroom two bath home is located in a quiet neighborhood just outside of Branford. Updated kitchen cabinets and newer stainless appliances. Updated bathrooms and plenty of storage. Wood burning stove in the living room is perfect for winter days. Metal roof. Fenced in back yard is the perfect spot for pets. Located 25 minutes from Lake City or Live Oak. MLS#118580 $178,000

www.candicelandrealtor.com

LIVE OAK. Huge 2395 sq ft 4 bedroom 2 bath PLUS an

doublewide

5.07 acres high & dry check it out. MLS#88648. $89,900

4.95 acres consisting of 16 subdivided residential lots. MLS#115204. $89,000

FORT WHITE

3 bdrms, 2 baths. 1516 sq ft. 0.91 Acre MLS#117757. $159,000

3 bdrms, 2.5 baths. 992 sq ft MLS#117924. $139,900

LAKE CITY

Text RBCNLRK to 52187

LAKE CITY

Text RBHSVHM to 52187

Text RBJJBXJ to 52187

LAKE CITY

Text RBJJTMR to 52187

Wellborn

WELLBORN

4 Acre wooded corner lot located conveniently between Lake City and Live Oak.

MLS#118558

$43,500

Call Kellie 386-208-3847

Text: RBJLSQK To: 52187

LEE

Naturally treed 5 acres, located just off the paved road. Mfd homes and farm animals allowed.

MLS#118636

$50,000

Text: RBJMDKB To: 52187

STEINHATCHEE

3 bedrooms

2 baths

1440 sq ft 0.69 Acre

MLS#118686

$249,900

Call Anita 386-208-5877

LIVE OAK

2 bedrooms

2 baths

1040 sq ft

5 Acres

MLS#112509

Text: RBJMDJW To: 52187

Call Kellie 386-208-3847

Text: RBHCJWL To: 52187

$269,000 Call Anita 386-208-5877

TEXT RBJJTFD TO 52187

7 bedrooms, 2.5 baths. 4943 sq ft. 0.693 Acre

MLS#117923. $739,900

MLS#117733. $749,950

MLS# 355510 $750,000

Lee

NEW LISTING

JASPER. Beautiful wooded 41 acres in Hamilton County

MLS#118810 - $259,900

NEW LISTING

JASPER. Building wooded 40 acres located in Hamilton Co

MLS#118893 - $239,900

COMMERCIAL

JASPER.

Professional office building in Jasper

MLS#118894 - $160,000

COMMERCIAL

JASPER.

Commercial office building in the heart of Jasper MLS#118632 - $160,000

NEW LISTING

JASPER.

Beautiful wooded 40 acres in Hamilton County.

MLS#118861 - $159,900

NEW LISTING

JASPER.

11.1 secluded wooded acres in Hamilton County

MLS#118853 - $29,900

JASPER.

Remodeled doublewide on 4 acres

MLS#116323 - $118,000

JENNINGS.

Beautiful wooded 4 acres in Oak Woodlands

MLS#117940 - $40,000

www.HitsonRealty.com

TEXT RBJMPDL TO 52187

TEXT RBJMVYC TO 52187

TEXT RBHZYJL TO 52187

TEXT RBJJVRY TO 52187

TEXT RBJMTHZ TO 52187

TEXT RBJMSNW TO 52187

TEXT RBJMVYD TO 52187

TEXT RBJMDJK TO 52187

PERSONAL FINANCE RESOLUTIONS FOR HOMEBUYERS

home warranty?

By Ilyce R. Glink and Samuel J. Tamkin

By Ilyce R. Glink & Samuel J. Tamkin

If you need a little help getting your own financial train back on

Only you can design goals and rewards that meet your financial, emotional and psychological needs. But researchers say our intuitive need for achievement and self-esteem could be the reason setting specific, challenging financial goals helps us get over the finish line.

PAY DOWN YOUR DEBT.

Home warranties are replacement of a home's The basic plan typically plumbing and heating and with many appliances. All items from the list of things sure that you buy the right However, most home warranty add coverage for additional Some warranties will of a specific period of days, and you pay for a service days later, you won't have same problem.

With interest rates rising, carrying debt just got a lot more expensive. So, do yourself a favor and pay off your debt as quickly as possible.

Start with either the highest interest debt first or the smallest debt (which you can pay off quickly and then apply that amount toward the next smallest debt). Every dollar you prepay will effectively earn you that amount of interest, so consider each debt paid off a big win.

BUILD UP YOUR CREDIT HISTORY AND RAISE YOUR CREDIT SCORE.

Credit is the driver behind life's financial milestones. If you have good credit, you'll pay less to get what

So, pull a copy of your credit report from each of the three credit reporting bureaus, Equifax, Experian and Transunion. Look for errors and the reason why your score isn't higher. If you sign up on each bureau's website, you'll have access to tools and information that will help you better understand your credit and what you can do to improve it.

For example, if you pick may include additional freezers, pools and spas, appliances and home systems. specific costs for each additional plan. You may also encounter platinum, gold or silver) Be sure to read the fine specifically under each Keep in mind that home year and you'll pay around plan. But the home warranty working order on the date agreed to). They won't broken) at closing. So, if machine is on its very last buy a home warranty plan machine the week after Interestingly, for those plans now cover the cost locks. With this rekey benefit home will have new keys warranty from day one.

Before you whip out reviews about these companies, them online, check out long they have been in that do business in your minimum, their registrations should be current. When pay close attention to negative a pattern indicating potential

LEARN SOMETHING NEW ABOUT MONEY THIS YEAR.

If you're looking for your favorite internet search warranty companies." You'll comparisons of various ©2021 Ilyce R. Glink and Samuel J.

PsycNet shows that if you set specific and challenging goals, you'll achieve higher performance than if you set easy goals, "do your best" goals, or no goals at all. If you apply Goal Setting Theory to your finances, you'll save more money if you target a specific number that feels just out of reach.

The trick is to set challenging goals, but design a system of rewards that makes you feel great when you've achieved them. For example, if you save $2,500, you can spend a portion of that to attend your best friend's destination wedding.

Last year, we challenged you to learn something new about money, and suggested NFTs and cryptocurrency. This year may well be remembered as the year crypto cratered, with four trading platforms declaring bankruptcy, including the iconic FTX, and Bitcoin trading at a more than 50% discount from its high.

That doesn't mean you shouldn't learn something new this year. How about starting with the Secure 2.0 Act? It was included in the year-end spending bill, making it easier for many Americans to achieve our first financial resolution: saving more money.

We hope your closing goes well!

©2023 Ilyce R. Glink And Samuel J. Tamkin. Distributed By Tribune Content Agency, LLC.

WIN MORE LISTINGS.

ARE YOU WINNING LISTINGS IN THE CURRENT MARKET?

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BRANFORD

Natural woods & endless potential! Upstairs living area and downstairs living area. MLS#117046 $189,500

RBJKVLK to 52187

3 bedrooms, 2 baths. 1200 sq ft. 11.64 Acres MLS#118283. $329,000

RBJFRQG to 52187

BRANFORD

3 bedrooms, 2 baths. 1800 sq ft. 10.28 Acres MLS#117143. $359,000

RBHPTRN to 52187

WELLBORN

2 bedrooms, 2.5 baths. 1258 sq ft. 10.1 acres MLS#114563. $375,000

52187

FORT WHITE

Great location! Full bar facility w/outdoor bar & activity space, adjoining restaurant w/ full kitchen. MLS#113448. $379,000

RBJHNNS to 52187

3 bedrooms, 2 baths. 2460 sq ft. 27.96 Acres

MLS#117635. $499,000

BRANFORD

Jackie Taylor

386-752-4663

jackiegri@jackietaylorassociates.com

128 SW Birley Avenue

Lake City, FL 32024

Listings Shown By Appointment Only

Text: RBFTBPY To: 52187

Very nice commercial lots in Live Oak, Property is wonderful, close in and perfect for this fast-growing area. Seller prefers lots be sold together for an approximate total of 2.38 acres. MLS#108520. $249,900. Jackie Taylor McCrary 386-397-3479 or Becky Justice 386-590-3013

Text: RBHDWJT To: 52187

Site built subdivision only. beautifully wooded lot .52 a/c. MLS#112755. $42,000 adjoining lot available also MLS#112765. Becky Justice 386590-3013

Text: RBHTHQB To: 52187

Historic home located downtown Lake City, Near parks, shopping, restaurants. A must-see home 4/2 with lots of Island charm, landscaped to perfection. Large porch welcomes visitors inside. The home is being renovated 90% finished. Space for everyone including a home office. MLS#115326. $249,900. Jackie Taylor McCrary 386-397-3479

Text: RBHVLLW To: 52187

Great Investment opportunity. 58-unit Mobile home park,14 Unit mobile home park and 5-unit mobile home park plus additional properties all being sold in one package. Properties are in Jasper. MLS#115539. $3,300,000. Jackie Taylor McCrary 386-397-3479

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Beautiful 3/2 Home with 9-foot ceilings. Crown molding throughout. Freshly painted and remodeled. New stainless-steel appliances. Double living room with one being off the guest bedrooms. 1 acre with a shed. MLS#117104. $174,900 Jackie Taylor McCrary 386-397-3479 Or Becky Justice 386-590-3013

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Gorgeous 49.86 acres of pasture. It is located on US Hwy 90 with over 1000 feet of highway frontage. The perimeter is fenced. This would make great property for cows or horses. There is a well, and power established with no guarantees, small shed. MLS#117878. $650,000. Becky Justice 386-590-3013

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Beautiful and Unique Alpine Getaway on 9.49 acres on a paved road. Fenced and cross fenced with four pastures and in-ground pool. The home is two story with a unique staircase leading to the second floor. Owner has just installed a new metal roof costing $25,000. Come make this your home just needs some TLC. MLS#118096. $325,000. Jackie Taylor-McCrary 386-397-3479

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Rare Find, Marion St Historic home in Downtown Lake City. 3 bedrooms & 3 baths 2 story home with a Parlor, Sun Porches, formal dining and breakfast rooms, over 3600 sq feet with a metal roof. Would be great for offices or a B&B. Lots of Historical features. Near downtown Parks and Lakes in area. Shopping VA hospital. MLS#118724. $229,900. Jackie Taylor McCrary 386-397-3479

THE PROS AND CONS OF BOLD COLORS

the home three years before, and Dr. Larsen and his wife trusted me. Little did they know, I had no clue how to build the three simple walls needed for the small new bathroom.

By Tim Carter

DIo you want to build a new wall inside your home? Perhaps you're trying to create a new small space for a home office or hobby room, or maybe you have a bigger appetite and are transforming a dank basement into a finished living space. But you have no idea where to start. I've been there. I've experienced your anxiety.

've had the distinct pleasure of attending numerous editors' conferences over the years sponsored by different manufacturers. I've toured plants that heat-treat hand tools and factories that make everything from saw blades to small engines, to name a few. Each experience is like Christmas morning to me because I got to see new tools and products of my trade.

One of the most fascinating tours was of a paint factory on the West Coast. We got to see the early stages of making a batch of interior paint. I believe the size of the vat was at least 5,000 gallons, but it could have been as much as 10,000 gallons. You need a massive metal stirring paddle to blend all the ingredients. Forget about using a wood stick!

Every now and then it's interesting to go back in time. I clearly remember having to build my firstpartition wall insidea house. I was a soaking wet-behind-theears carpenter working for a small remodeling company. One of my college professors, Dr. Larsen, had asked me to install a half bathroom in his home. I had no idea what to do, so I told him that my boss could do the job.

The most interesting part of the tour for me was the session spent with the on-staff color expert. She explained all the nuances of color, how the slightest shades of color can affect how you feel – indeed, how certain colors can deeply affect your mood.

Once the simple plans were drawn and the contract signed, I was sentto my professor's houseto start the job. I had painted the outside of

If you have toured any open houses recently, you have almost certainly noticed the mania for gray paint. It's rare to find a house that doesn't have at leas one interior room done up in a shade of gray. Visit an art museum and you might not even notice that the walls are often painted gray. It's an interesting color that actually is the absence of color. It makes sense in an art museum: The walls are the background and shouldn't compete with the paintings and photographs.

Gray is most often created mixing pure white paint with some amount of black pigment. When most people think about color, they tend to think about every other color in the rainbow other than white or black. Gray provides a very interesting background for all other colors you might put in the rooms of your home just as it does in a museum.

That being said, you may be like my

I survived with the help of a few phone calls to my boss. It was a humbling experience as I discovered you don't know what

You can't always do this in an existing home, especially if the ceilings in the room are finished with drywall or plaster. As you tilt the wall up, it binds against the ceiling. If you're challenged by a finished ceiling, you'll most likely have to install your top and bottom plates, making sure the plates are

It's vital spaced so your center of a minimize the ofdrywall off so you can Sixteen inches standard for Don't fret opening for you just need My recommendation your new pre-hung it at your rough opening measurements

son. He bought a new home that came on the market last spring. The builder had already painted all the rooms a medium gray for the aforementioned reason. Yet when I toured the house with my son, he said: "Dad, what the heck? I don't want to wake up each day thinking I'm a sailor on a battleship. It's just way too much gray! How hard would it be to paint the rooms over?"

you don't know. Keep in mind this was decades before the Internet and YouTube. You have no idea what an advantage you now have when you have to educate yourself about how to repair and build things around your home. Count your blessings!

I recommend that if you're on the fence as to what colors to use in your home, simply buy a quart and paint one wall.

Building a new interior wall in an existing housecan bemuch different from doing it on a new home job site. When we carpenters build a wall for a new home, we typically build itflaton thefloor. Onceall the studs are nailed to the bottom and top plates, we tilt the wall up and secure it so it doesn't fall over.

I answered him that we could easily repaint half the rooms in the twobedroom house in just three days. I told him it depended on the colors he'd choose, as some lighter colors such as yellow might require two coats.

He decided he wanted to do an experiment and go with some very bold colors. I thought he was making a mistake. His mother and I both warned him that a color on a small strip of paper from the paint store may look much darker once that color is on the wall. This happens because there's just so much color hitting your eyes than when you're looking at a sample that's 2 inches wide and maybe 3/4-inch tall.

"Dad, paint isn't that expensive," he said, "and since you're helping and it doesn't take long I can always repaint the room."

Oh, how convenient that your dad can help you for the price of a free lunch! If you have children, I'm sure you've been conscripted to help with projects. To be honest, I loved working on his house.

The first room we painted was his living room. He chose a deep blue color. When I opened the can, I gasped as quietly as I could, thinking it was a huge mistake. The gray wall color happened to be a superb base, and the blue covered it in one coat with ease. It was a bright, sunny spring day, and, much to my surprise, after the first wall was finished it looked amazing. I had thought it would make the room appear too small, but I didn't get that feeling. The other benefit to blue is that it's a calming color.

plumb in the same plane. You'll then cut each wall stud to fit snugly between the plates and toenail them in place. Drill angled pilot holes in the ends of the wall studs for the nails. Use no less than 3-inch-long 16d sinker nails to connect the wall studs to the plates.

If there is no ceiling, you can tilt the wall up so long as you orient the wall in the same direction as thefloor joists above. You simply make sure the top of the wall rises up in between two parallel floor joists. Once the wall is vertical, you can then slide it into position under

The kitchen was painted a stunning yellow much like a sunflower, the dining room was transformed using a deep spicy reddish brown, and his rear sunroom was coated with a stunning medium green.

After we were finished, I had to his admit that the bold colors in t open-concept house not only looked spectacular, but they also didn't clash. Once he started to hang paintings and fabrics on the wall, the colors looked even better

I recommend that if you're on the fence as to what colors to use in your home, simply buy a quartand paint one wall. Understand that the color may look somewhat different at night than it does in the day. Experiment with flat paint vs. semi-gloss. You may find that makes a difference. No matter what, if you don't like the color, you can repaint a typical room in just hours.

Be brave! Try a bold color or two and you'll avoid that feeling that you're swabbing decks on a battleship when you mop your kitchen floor!

Measure of the door where the attached to the door. Add measurement. of your rough much the frame hang the door. In betrimming when you you want just between the the top of your You can height of the just one-quarter the factory Trustme, thefinished install over drywall will gap between and the bottom ©2021 Tim Carter. Content Agency,

©2023 Tim Carter. Distributed by Tribune Content Agency, LLC.

Building a new interiorwall in an existing house can be much different from doing it on a new home job site. When we carpenters build a wall for a new home, we typically build it flat on the floor.

PREPARE YOUR HOUSE NOW TO SELL IN SPRING

Spring is a popular time for selling homes, as buyers are eager to move in before the start of the summer. To make your home stand out in the market, here are some tips to get it ready for sale:

y Curb appeal: First impressions are crucial, so focus on improving the exterior of your home. Clean up the yard, plant flowers, and fix any broken or damaged items.

y Clean and declutter: Clean your home thoroughly, including windows, carpets, and upholstery. Declutter by removing personal items, knick-knacks, and excess furniture to make your home look spacious and open.

y Paint: Fresh paint can give your home a new look and make it feel more inviting. Choose neutral colors that will appeal to a wide range of buyers.

y Lighting: Make sure your home is welllit, both inside and outside. Replace any burned-out light bulbs and consider adding extra lighting in dark areas.

y Repairs: Make any necessary repairs, such as fixing leaky faucets, repairing holes in walls, and fixing squeaky doors.

y Staging: Consider staging your home to help potential buyers visualize how the space could be used. This can be as simple as rearranging furniture or as elaborate as hiring a professional staging company.

y Price: Set a competitive price for your home based on recent sales of similar properties in the area.

By following these tips, you can get your house ready to sell in the spring and attract potential buyers. Good luck with your sale!

Annette B. Land t/a Land Brokerage Realtor

P.O. Box 394 - Branford, FL 32008

SpecializinginsalesoflandintheSuwanneeRiverValley

Office: 386-935-0824 l 1-(800)-426-8369

Fax: 386-935-3539 l Cell: 386-208-2309

(386) 208-4248

Call Lawanna H.

at 386-208-4443

DIXIE COUNTY

571.12 Acres perfect for hunting planted timber tract. Priced at $2,650/Acre. An additional 283 acres can be purchased with this property at $2,650 per acre

Broker-Owner Call Annette B. Land for more information at 386-935-0824

1.69 Commercial Acres in the Town of Suwannee. Located directly on the river. REDUCED PRICE $998,000. Broker-Owner Call Annette B. Land for more information at 386-935-0824

SUWANNEE COUNTY

1 Wooded Acre in Suwannee County East of Branford $25,000. Call Annette Land 386.208.2309

Lots for sale in town of Mayo! Call Lawanna H. Gaylard for more information on several different properties 386-208-4443

1 Acre lot on Hollywood Boulevard. Priced at $15,000. Call Billy Shows for more information 386-208-8547

IF YOU ARE INTERESTED IN SELLING YOUR PROPERTY PLEASE CALL LAND BROKERAGE REALTOR

ANNETTE LAND,Realtor, GRI annette.land@land-company.com RAYMON J. LAND SR., Realtor

2 lots in Hatchbend near Boat Landing Call Laura Land

106 ACRE FARM ON 129 IN BRANFORD Cut Over Pines With As Is Homestead. Listed at $795,000.

Gaylard

5 Acres On Paved Road In O’Brien. Established easement. $55,000 Call Annette B. Land 386-935-0824

2 lots (6&7) Koogler Subdivision. Hatchbend on Suwannee River Price $405,000 - 10 Acres with Cabin Call Annette B. Land at 386-935-0824

7.98 Acres on Paved Road Just Outside Town Of Branford. $56,000. Call Lawanna H. Gaylard at 386-208-4443

1.5 ACRE RIVERFRONT CAMPERS DREAM IN BRANFORD Multiple Level Dock With RV Shelter and Concrete Pad, Well, Septic, and Outdoor Shower - Ready For You! Listed at $250,000. Call Lawanna Gaylard at 386-208-4443

Beautiful 15 acres on Golden Pond in Hatchbend, Lafayette County Florida Recently cleared and prepared for home overlooking pond in back. $150,000. Call Annette B Land at 386-935-0824

80

Unique listing! This beautiful property is surrounded by large acreage tracts! 1974 3/3 DW MH in great shape, 2 large metal storage buildings, camper shelter and concrete pad - Listed at $675,000 - Contact Lawanna Gaylard at 386-208-4443

SOLD!

UNDER CONTRACT

ONE LOT SOLD!

NORTHWOOD

Call Annette B. Land 386-935-0824

Call Lawanna H. Gaylard at 386-208-4443

IN MAYO LOTS AVAILABLE Call Lawanna H. Gaylard at 386-298-4443 or Billy Shows at 386-208-8547

SOLD!

5

Call Annette B. Land at 386-208-2309

Various

in Lafayette County Listed at $1,320,000. Call Annette B. Land at 386-208-2309

3.4

Close To Branford Listed at $22,500 Call Lawanna Gaylard at 386-208-4443

LAWANNA GAYLARD Realtor - Associate lawannahgaylard@gmail.com

LAURA LAND Realtor - Associate laura@landwatermelon.com

BILLY SHOWS Realtor - Associate landbrokerage@windstream.net

NORMA JOYNES - GRI Realtor - Associate casonbook@yahoo.com

MELISSA LAND Realtor - Associate Melissa2273@gmail.com

ACRES SECLUDED HOME WITH POND

MCALPIN - 159 Acres With Paved Road Frontage and 2 Pivots. $1,200,000

20 Acres On 129 Between O’Brien & Branford. Pasture with small tract of trees. $220,000.

ACRES

447 ACRES

Woodlands

Acres located on Hwy 27 in town of Branford, FL. Potentially suitable for Commercial.

Acres In Lafayette County

PROVIDENCE AREA

Just 1.5 miles from I75/441 Two homes for your extended family!

Doublewide has 4 bdrms & 2 baths. Singlewide has 2 bdrms & 2 baths. 1 well, 2 septics. All on 1.72 acres! MLS#118336. $259,000

LAKE CITY

3 bedrooms, 2 baths. 1839 square feet. 0.5 Acre

An immaculate and very nice brick home at the end of the street. MLS#118835. $325,000

LAKE CITY

4 bedrooms, 2 full & 2 half baths. 2946 sq ft. 5 Acres

Elegant & beautiful pool home on five acres with total privacy in the backyard. MLS#118516. $649,000

LAKE CITY

4 bedrooms, 2 baths. 1750 sq ft. 0.74 Acre

Introducing Our Newest Realtor

CALLIE HARRINGTON - (352) 339-8202

Born and raised in North Florida, Callie is familiar with the unique aspects of the local community as well as its more rural counterparts. She is a recent graduate with endless goals. She’s always enjoyed the outdoors and sports. She was a dedicated athlete. From softball, soccer, basketball, volleyball all the way to golf, Callie excelled and acquired much knowledge about hard work and integrity. She was on the golf course with her parents from the time she could walk. She then decided softball was a better fit and focused just with that. In the long run, golf started sparking her interest more and more. Nearly every weekend she was participating in junior tournaments at country clubs all over the nation. One of Callie’s favorite hobbies outside of sports is a good poker game. She is not afraid to call a bluff or raise the stakes higher and higher! She also has a supportive family with a keen sense of the construction business. This relationship offers Callie's customers a unique advantage. Contact this Realtor of Excellence for all your real estate needs.

Immaculate & charming, like new hardy board sided home, just minutes from I-75. MLS#118845. $395,000 GAIL

386-288-7612

386-344-4271

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