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allREAL thingsESTATE


March, 2018

View more photos and information of this month’s featured home on pages 28 and 29

1264 Honeysuckle Lane, Vincennes

Serving Gibson, Knox, Pike, Vanderburgh and Warrick Counties in Indiana and Wabash County in Illinois.




Sunday, March 11, 2018


0-319 Fenced in 32x50 pole building with 2 rooms for office space, kitchen area, living room space, 1/2 bath, gas furnace & air, garage for repair work, also second 34x48 building on 2.3 acres more or less on road 450S in Somerville area. NEW PRICE $81,000.

Is now a good time to sell?


Our local inventory of homes is very low! This means that home buyers are constantly on the lookout for new homes listed to the market. Call today and let me lead you to SOLD!

If you’re thinking of selling your property, we have clients. Helping people to buy and sell since 1969. 510 W. Morton Hwy. 64 Oakland City


WE HAVE BUYERS We Need... • 2 Bedrooms • 3 Bedrooms • Building Sites • Small Acres Buying, Selling – “Call Us” James Broshears, Jr. ... (812) 749-3274

James Broshears, Jr. 812-749-3274

Jerry Basham 812-749-4446

Sunday, March 11, 2018

Spring is the prime selling season! Call us today to list your home!



1022 E. Broadway, Princeton See all our listings on and check us out on Facebook!


114 S. Main, Oakland City 2BR, 1BA remodeled home, open floor plan, hardwood floors. $67,900 MLS# 201643081

118 S. Main, Oakland City 2BR, 1BA home, fenced bk yard, 1.5 car det grg w/ workshop, many updates. $67,900 MLS# 201725889



Maple Street, Francisco Vacant wooded lot close to school and main road. $5,500 MLS# 201711051

1893 S. 1200 East, Oakland City Great 3BR home w/ detached garage & lg. lot in rear. Needs some TLC but lots of potential.

$27,500 MLS# 201806342



228 S. Lucretia St., Oakland City

543 W. Morton, Oakland City Nice 4BR, 2BA home on corner lot. Nice yard and so much space for a family of any size! $59,500 MLS# 201806113

Newly renovated 2BR, 1BA home w/ new floor coverings, paint and tile bathroom. MOVE-IN READY!

$74,900 MLS# 201806341

1150 East, Oakland City 10 tillable acres. $170,000 MLS# 201638011 4.09 acres of tillable land. $69,900 MLS# 201640725

$104,900 MLS# 201747699





1010 S. Main St., Princeton 5BR, 2BA home, front & back porches, 2 car carport, full bsmt. $94,900 MLS# 201654861

923 N. Main, Princeton 2BR, 1BA home on 0.23 acres, 1018 sq. ft. $34,500 MLS# 201638742


6289 S. 1150 West, Owensville 3BR, 2 BA barn-style home on 12 +/- acres. 3 income producing mobile homes on property. $160,000 MLS# 201704369

610 N. Hart St., Princeton Beautifully remodeled 3-4BR, 2BA home w/ many updates. Lg. det. garage. Covered front & rear patios. Move-in ready!

312 Washington St., Oakland City $12,000 MLS# 201806389 423 W. Washington St., Oakland City $6,000 MLS# 201806085 Either of these nice corner lots would make a great building location!

50 S. 725 East, Francisco 120+ acres in the East Gibson area. Owner wants an offer! $900,000


701 W. Broadway, Princeton 40+ individual storage units of various sizes and prices in 2 separate buildings located on busy West Broadway Street. Site has lots of options and room for future expansion.

$110,000 MLS# 201750655

River Road, Patoka 1.32 acre property great for camping or parking your RV. $10,000 MLS# 201701901


210 W. Morton, Oakland City Beautifully remodeled 2 bedroom, 1 bath home. This home is as neat and clean as they come. A nice easy, comfortable ans convenient place to live. $75,000 MLS# 201748143

211 W. Dale, Oakland City Great investment property!! 2BR, 1BA home features a nice kitchen with newer cabinets and large wooden deck. $44,900 MLS# 201749439

524 E. Water, Princeton Recently updated 3BR, 2BA home with spacious eat-in kitchen & appliances. Partial basement, covered front porch, 1.5 car attached garage, fenced back yard & root cellar. $119,500 MLS# 201754636

918 S. Gibson, Princeton Conveniently located 2BR, 1BA home features formal dining rm., eat-in kit., 2 car det. grg. and fenced in back yard. New roof & furnace. $64,900 MLS# 201801703

211 S. Madison, Oakland City Nice 2BR, 1BA home with detached garage on a corner lot. Many updates! $42,750 MLS# 201755009


Sunday, March 11, 2018

1011 N. Hwy. 257 Otwell, IN 812-354-2197 |

Selling modulars and new and used sectionals and single wides

  5   4    Have you met with your builder? Is the cost per square foot a little to high? The JOSEPH is a prefab home that was built to stick built standards. It is an 1800 sq. ft. 3 Bedroom, 2 Bath home on the main level and over 1000 sq. ft. upstairs to ďŹ nish out as you like. The plumbing, heating, cooling, and electric are run and ready to be ďŹ nished out. Give us a call and take a tour of the home to size up the quality of the workmanship. Go to to see the modular company that has been family owned and operated for the past 40 years. They specialize in modular homes and can customize a home to your liking. This home ďŹ gures out to $98.00 a square foot. Come check it out!! Rochester offers Ranch, Cape Cod and Two Story homes. for more information.

Sunday, March 11, 2018


Keeping it in the Family is a Century Home Builders’ Best Referral. “There is no better referral than a 2nd home for a Family Member” - Sky Epperson, Owner

Century Home Builders has built 32 homes to folks that are related Magill Family Nuefelder Son and parents Nix family Father and Daughter Morgan Family Brothers Gullett Family Whetstone Family Brothers Yancey Family Isaac Family Father and Son

Allen Family Father and Daughter Gard Family Mother and Son Hobbs Family Noblitt Family and Cousins Adamson Family and Cousins Morgan Family and Brothers Ramsey Family Father and Daughter Land Family and Cousins

Book now for July and August move ins


Sunday, March 11, 2018

d! e v o eM We’v our new Visit t 1105 S. a , office St., Ste A Main ceton, IN Prin



$32 Million in 2017

Sunday, March 11, 2018


Linda Folsom Broker Associate Cell 812.779.9293 Office 812.473.0123

F.C. Tucker Emge REALTORS® Independently Owned & Operated



NEW LISTING! 8930 S. 1125 West, Owensville

309 W. Montgomery St., Owensville

4767 W. 125 South, Princeton

Great 2BR, 1BA, 1,341 sq. ft. starter home on a large lot! Many updates.

Well maintained 3BR, 2BA home on a large corner lot in the country.

Covered front porch & back patio. Detached 2 car grg.

Three car attached garage. All kitchen appliances, washer and dryer stay.

$87,000 • MLS# 201747862

$109,900 • MLS# 201806122


3BR, 2BA manufactured home sitting on a nice, large 1.39 acre lot in the country. Wood burning stone fireplace in living room, eat-in kitchen with many cabinets, Master BR w/ lg. Master BA w/ jet soak tub and separate shower. 2-tiered wooden deck shaded by mature trees. Barn with loft and covered porch. Wooden yard shed.

$80,000 • MLS# 201803120

SOLD! SOLD! SOLD! 311 N. Center St., Francisco 3BR, 2BA well maintained manufactured home with 1,728 finished sq. ft. Home features an open floor and split bedroom plan. Detached pole barn garage build in 2016 by Graber is insulated with 110 amp service and has 2 insulated 10’x8’

409 N. Main St., Owensville

110 N. Third Ave., Oakland City

One level Victorian home features 3BR, 1BA. 2 fireplaces, many updates, detached garage, wrap-around front porch & so much more. Move-In Ready!

Move-In Ready 3BR, 2BA ranch home on a large corner lot. 40’x30’

$129,000 • MLS# 201807153

$132,000 • MLS# 201805853

detached garage w/ workshop area, many updates. Close to OCU.


Nice 3BR, 1BA country home on 3 acres. Many updates. Hardwood floors. 18’x20’ concrete garage & 24’x32’ pole building.

$69,900 MLS# 201740146

$137,000 • MLS# 201802302


704 N. Main St., Patoka

garage doors with openers and concrete floors.


• Most Sales Residential • Residential Sales Leader • Most Listings Represented • Most Buyers Represented • Executive Club • Presidents Club


Sunday, March 11, 2018

The Tim Mason Team Midwest Real Estate

Tim Mason Jan Mason

Offices in Princeton and Evansville

812-664-0845 812-664-2022

Each office independently owned and operated.



329 S. Seminary, Princeton $74,900 329 S. Sem inary, Princeton • 5BR, 1BA home $74on ,90nice 0 corner lot

914 N. Polk, Oakland City $85,500

788 S. 1150 East, Oakland City • Very clean 3BR, 1.5 BA home • New appli$178,900 ances •• Very Refinnice ishestone d wohome od &onla1.66 minaacres te • 3-4 bedrooms, 3 baths floors • Full, finished basement • Large lot • Detached 3 car garage MLS# 201754017

••5Large BR, 1front BA hporch ome on nice corner lot ••LFenced arge froback nt poyard rch ••FTotally enced bremodeled, ack yard fabulous kitchen ••TReplacement otally remodwindows eled, fabulous kitchen ••RCorner eplacelot ment windows • Corner loMLS# t MLS# 2201732345 01732345

• Swimming pool MLS# 201807516


230 E. Spruce St., Princeton $113,900 • Very nice 2BR, 2BA renovated home • Large corner lot • Completely remodeled • Spacious living rm., lg. open kitchen & dining room • Unfinished bsmt. & det. grg. MLS# 201750089



115 S. Broadview Circle, Princeton $89,700 • Nice 3-4BR, 1 full & 2 half BA ranch style home • Fenced back yard • Attached 1 car garage • Convenient location MLS# 201802869


706 E. Emerson, Princeton $109,900 • Nice 4BR, 2BA home • Large double lot • Fireplace • Sunroom • Large master suite with walk-in closet MLS# 201739184

5920 W. CR 200 North, Patoka $175,000 • Approximately 41 Acres • Good Farm & Recreational property • Remodeled 2BR 1993 Mobile Home MLS# 201729247



2254 S. 750 East, Francisco $188,500 • 4BR, 3BA home on 5 acres • 2 car attached garage • Newer roof, furnace, A/C & flooring • Large front porch MLS# 201803320

512 S. OldLISTING! Patoka Rd., NEW 512 S.Patoka Old Patoka Rd., $229,900 Patoka $ 229,900 • 3-4BR, 3BA brick ranch • 3-4BR, 3BA brick ranch • 2.75 acres • 2.75 acres Full,finished finished walkout basement walkout basement • •Full, • 2• 2car carattacted attactedgarage garage MLS# 201800963 MLS# 201800963


Sunday, March 11, 2018


AVAILABLE LAND C OMMERCIAL • F ARM & R ECREATIONAL • R ESIDENTIAL COMMERCIAL LAND • 4370 S. 100 E., Princeton–20.5 Acres, $615,000 (Behind Toyota) • 1000 US Hwy. 41 S, Princeton–5.10 Acres, $175,000 • 701 S. Second Ave., Princeton–38 Acres, REDUCED! $1,320,000

• NEW LISTING! 5218 S. 100 East, Princeton-34 Acres adjacent to Toyota plant, $1,088,000

FARM & RECREATIONAL LAND • 4235 S. Taleia Dr., Oakland City–23.5 Acres, Horse Farm, Home, Barn, Lake, $999,700 • 6100 Gish Rd., Poseyville–56.6 Acres, $368,400 • 200 Sotuh, 100 South, 550 West, Petersburg–169 Acres, $746,900 • 1644 Hunsaker Rd., Boonville–41 Acres, Home, Lake $840,000

Tim Mason 812-664-0845


Sunday, March 11, 2018

Real Estate Transfers GIBSON COUNTY Robert Barrett By John R. Barrett to Owensville Cemetery Association, 533 West Brummitt Street, Owensville, $70,000. Halfrack Properties LLC to The Church of God Inc d/b/a Tower Heights Church of God, 102 West State Street, Princeton, $0. Brian Sullivan to the City of Princeton, 321 N Second Street, Princeton, $0. Stephen L. and Amy L. Sork to Stacy Isaacs, 1250 West 1200 South, Haubstadt, $150,000. William Atkins to Matthew and Amy Humphrey, 4404 East 950 South, Oakland City, $1. Julie McGrew to Gary and Susan Schwartzlose, 3004 North 150 West, Patoka, $7,000. Estate of Norwood Adler to Steven and Patricia Adler, South 950 East, Mackey, $121,000. Jamie Moore to Jack and Mary White, 744 West 800 South, Fort Branch, $17,000. Les Sullivan to Randall Thomas, 712 W Broadway Street, Princeton, $5,000. George Michael and Janice Utley to Larry and Paula Whitehead, 307 W River Road, Patoka, $14,000. Emmitt and Sandy Williams to David

and Shirley Chamness, 122 N Lincoln Street, Oakland City, $4,000. John Ralph Short by Tammera B Richardson, Attorney-in-Fact to Gary and Sandra Crothers, West Whispering Creek Drive, Owensville, $7,500. Gerald Shackelford to Paul Daniel and Pennie Jean Ellis, 208 East Warrick Street, Owensville, $15,000. Bernadette Wargel to Richard and Sarah Kolley, 12919 East 1025 South, Lynnville, $22,000. Kasey and Timothy Seiler to Edwin and Jeannie Schultheis, 5742 West 500 North, Patoka, $5,000. Don Ray to James Rodgers, 5934 North 185 West, Patoka, $3,200. Horizon Property Holdings Llc to Larry Beatty, 609 South 9th Avenue, Haubstadt, $135,950. Horizon Property Holdings LLC to Ronald and Dorothy Grimes, 605 South Ninth Avenue, Haubstadt, $129,500. Ronald and Dorothy Grimes to Raymond and Phyllis Martin, 521 South 9th Avenue, Haubstadt, $165,000. Sycamore Homes Inc to Frances Hippensteel, 12 Finch Lane, Princeton, $162,000.

Kristen Fleetwood Zehr to Robert Gene Jr. and Robin Harnishfeger, 517 South 8th Avenue, Haubstadt, $119,000. David and Linnie Shelton to Teena Preske, 507 South 8th Avenue, Haubstadt, $118,000. Carl Abell to Jacob and Kimberly Dages, 809 West School Street, Francisco, $8,500. Midwest Development Inc. to Brymont Realty Llc, 429 East Water Street, Princeton, $35,000. Kenneth and Carole Schmits to Nathan Spindler, 306 N Church Street, Fort Branch, $25,000. John Conner to Sycamore Homes, Inc, 402 East Broadway, Princeton, $79,500. Safe Harbor Enterprises LLC to Michael and Kelly Hobson, 400 South Main Street, Fort Branch, $125,000. Robert, Richard and Jacob Graber to Kevin Wise, 5428 South State Road 165, Owensville, $115,000. Connie Sue Wilson to Timothy and Andrea Short, 4205 East 350 South, Princeton, $125,000. The Joint Irrevocable Income Only Trust of Phillips, Billy Gene and Mary Eliza to Adam and Paige Rowe, 2189 South 1150 East, Oakland City, $194,000.

Wayne Sharp Trust to Carley Lara, 7167 South State Road 165,Owensville, $139,500. George Frederick Hasselbrink, Executor to Blake Stevens, 3003 South 350 East, Princeton, $165,000. Roger Georges and Gloria Jean to Micheal and Glenda Schapker, 11490 East 900 South, Oakland City, $28,620. Dennis Alford to Ruth Lashbrook, 106 South Mary Ann Drive, Patoka, $200. Nesurk Enterprise LLC by Paul W Kruse to Korbin Karges, 4365 South 350 East, Princeton, $68,907. David and Maureen Greubel Trust to Mark and Jessica Miller, 2282 East Warrenton Road, Haubstadt, $492,519. Zachery and Melissa Maxheimer to Tyler and Abigail Boyle, 6126 West Old Princeton Road, Owensville, $104,000. Rayburn and Meda Dilbeck to Michael Richardson, 5245 South State Road 65, Owensville, $125,000. Darwin Zehner to Monte Joe and Emma Wilson, 6046 West 600 South,Owensville, $100,000. SEE TRANSFERS/PAGE 13

I’m proud to be a part of this community. See me to find your new home!

Ron Ackman Broker, Owner

FORMER BANK BUILDING CAN BECOME A BANK AGAIN! Located in downtown Bicknell, had over 29 million in deposits when closed recently. Everything there to start up again. Would make an excellent branch bank. 215 Washington St. Priced lower than you would imagine. Call Ron Ackman, White River Realty, 812 757 443



Ph 812 757 4434

Ron Ackman, Broker/Owner

Sunday, March 11, 2018


•Computerized Load Design •Residential & Light Commercial Sales & Service •Servicing All Brands 402 N. Hillcrest •Yearly Maintenance Agreements Fort Branch, IN 47648 •Computerized Record Keeping (812) 753-4535 •Family Owned & Operated Since 1968

Heating & Air



Sunday, March 11, 2018

2402 Hart Street Vincennes, Indiana 47591

Beth Meeks

Katie Dewig

Chelsea Meeks


Broker Associate

Broker Associate






812-291-4000 beth@

411 W. Spruce St., Princeton $134,900 This is the one you’ve been waiting for! Beautiful 3BR, 1.5BA home in a great location! New furnace and AC in October ‘17 with warranty. Newer roof, replacement windows and doors. Less than a block from pool, tennis courts, lake and park. MLS# 201752702


Located on Hillcrest Extension Road

1156 N. Fox Ridge Links 688 N. Bicknell Rd., Wheatland $199,900 Very nice 3BR, 2BA country home sitting on 4 acres. 2 car det. grg. & 1.5 att. grg. New metal roof in Dec ‘17, windows in ‘08. Appliances stay! Sun room, Koi pond, 2 grain bins, 2 pole barns and so much more! South Knox School District. MLS# 201801671

Condo Under Construction! This condo is Design B. Association fees only $94/mo. $234,150

! g Condo Under Construction! n i n d A. This condo e is Design P Association S a l e fees only $94/mo.

1154 N. Fox Ridge Links


Condominiums in Fox Ridge Links 1154 and 1156 N. Fox Ridge Links are now under construction and available for purchase! For an appointment for a private showing of an existing condo, call Beth at (812) 291-4000

Proudly insuring Vincennes, Princeton, Haubstadt and all of Indiana, Illinois and Kentucky!

2402 Hart St., Vincennes



118 N. Main, Princeton

402 E. SR 68, Haubstadt

Sunday, March 11, 2018





1-3 p.m. 688 N. Bicknell Rd. Vincennes ••• 3:30-5 p.m. 1264 Honeysuckle, Vincennes

1-3 p.m. 1154 N. Fox Ridge Links

1-3 p.m. 1154 N. Fox Ridge Links

Real Estate Transfers


Debra Elaman to John Mason Jr., 3147 East Top Hat Road, Princeton, $91,500. Sharon Falls to Corey and Media Gulledge, 11398 East Base Road, Oakland City, $164,000. Billy and Shon Perry to Keith and Patricia Hunt, 6627 North Sate Road 65, Hazleton, $155,000. William Ray Kifer to Todd Kifer, 5340 South 100 East, Princeton, $90,000. Ryan and Brooke Hart to Joshua and KaLee Rexing Elpers, 2940 West State Road 68, Haubstadt, $175,000. Michael Patterson to Gowri Murthy, 311 South Hall Street, Princeton, $65,800. Paul Carnahan to Charles and Janice Longabaugh, 8902 North Gray Lane, Hazleton, $5,000. Robert Scott and Chris Robling Partenheimer to Nicholas Lee and Whitney Christine Powers, 1209 South 1075 East, Oakland City, $142,000. Darin and Aimee Martin to Jeremy and Emily Seib, 2421 West 1025 South, Fort Branch, $405,000. Penny Mac Loan Services Llc to Bryan Heldt, 1025 West Owensville, $97,500. Darvin Hulfachor to Robert and Joshua Meeks, 7472 West 350 North, Patoka, $5,500. Aaron Wheaton and Mary Jo (Grubb) Barnard to Eric Wheaton, 7722 South 950 East, Elberfeld, $40,000. John Sherfield to Tony and Debra Wolfe, 6364 North Trippet Road, Patoka, $35,000. David and Tess Rumble to Don and Mary Jo Trust Rumble, 9867 West 1000 South, Cynthiana, $187,000.

Marvin Lee and Ronald Allen Grubb to William and Susan Gray, 726 East Christian Street, Princeton, $25,000. Steven Chamblee to Clayton Leek, 2846 West 1125 South, Haubstadt, $222,500. Travis Thompson to Dennis and Linda Lou Garwood, 5457 East 650 North, Hazleton, $30,000. Carolyn Wood to Shayne Ryan May, 424 South Seminary Street, Princeton, $20,000. David and Crystal Miller to Aaron and Songa Byrns, 8443 West 280 South, Owensville, $245,000. Larry Whitehead to John Frey, 9321 South State Road 165, Poseyville, $45,000. Daniel and Angela Hyatt to Andrew and Tara Ellerman, 1346 South Old State Road 65, Princeton, $259,125. Michael and Rebecca Mayer to Steven and Justine Mayer, 9066 South 225 West, Fort Branch, $69,266. Anthony Keil to Jay Viehe, 1415 East 950 South, Haubstadt, $107,000. Jerry Harrington to Gary and Belinda Cook, 11518 East 200 South, Oakland City, $132,000. Lance Blankenberger to Kurtis Dean Williamson, 9293 South 225 West, Fort Branch, $146,800. Dunning Revocable Living Trust to Benjamin Allen Halbig, 1134 North 550 East, Francisco, $290,500. Dixie Lee Life Estate and Larry Wira Roettger Jr. to Shyla and Ronald Perrie Polston, 6737 South 950 East, Oakland City, $85,000. Home Point Financial Corporation to Charles Martin, 106 South Main Street, Patoka, $50,000. Roger Conklin to Joshua Higgins, 3003 West 1050 South, Haubstadt, $260,000. Michael Schapker to American Land Holdings of Indiana LLC, 9998 South 1225

East, Oakland City, $260,000. Randall Thomas to Chelsea Rosignol, 801 South Prince Street, Princeton, $89,808. Dan and Kathy Clodfelter to Ryan and Brooke Hart, 4066 East 950 South, Haubstadt, $185,000. Richard Kolb to Randall Scales Sr., 2309 East Lake Road, Princeton, $30,000. Calvin James Davis to Jerico Miller and Kelsey Utley, 151 East 200 South, Princeton, $92,000. Vinod Gupta to Anna Gail and Sandra Gendren Ash, 402 West Main Street, Francisco, $32,000. Eagle Limited Liability Company to Stacy Pullins, 455 South State Road 57, Oakland City, $175,000. Wanda Whitehead to John and Brandi Vela, 2398 East State Road 64, Princeton, $250,000. Tristan Loveless to Flint Culbertson, 1161 North State Road 57, Oakland City, $110,000. N P Doge Jr NEI Global Relocation Company to Garrett Elpers, 11397 South 50 East, Haubstadt, $183,900. Robert and Alison Laine Pinkston to N P Doge Jr, 11397 South 50 East, Haubstadt, $183,900. Jerome Schmitt to Brandon Schmitt, 1419 East 950 South, Haubstadt, $50,000. Jeffrey and Tara McCullough to Eric Creek, 1162 East 350 South, Princeton, $161,500. Estate of Teddy L Morris, deceased to Angela Wilderman, 40 South 1150 East, Oakland City, $150,000.

WABASH COUNTY Kevin L Pixley to Roy M Berberich and Kelly D Berberich, WD, PT NW, Consideration, $230,435 Wabash Valley College Foundation to D & R Rentals LLC, WD, PT E/2 Inlot 170

Loyal E Anderson and Rick L Anderson to Luke E Baumgart and Jordan L Baumgart, WD, Lot 2 SW, Consideration, $312,900 Rita K Harness and Gary W Harness to Robert Rutledge and Rebecca Rutledge, WD, Pt Inlot 480, Consideration, $42,000 John D Potts and Kathleen M Potts to Raymond L Anderson and Janet K Anderson, WD, PT Block C Mt.Carmel Heights, Consideration, $98,000 Wabash Mine Holding Co to American Land Holdings of Illinois LLC, WD, Multiple parcels Micheal C McPherson and Michelle L McPherson to Mark C Brines Trust, WD, Lot c McPherson Place, Consideration, $295,000 Robert O Brown Trust and Marilyn S Brown Trust to Christopher L Collins, WD, PT NE NW (Pt Mesa Lake Dev), Consideration, $27,000 Linda F Canty to Michael W Bowdoin, WD, Mt.Carmel Inlots W/2 Inlot 449 Roger E White II to Ran M Murrell, WD, Lot 8 North Park Sub, Consideration, $167,000 James E Litherland Jr to James Litherland Jr. and Jeffery Scott Litherland, WD, Lot 14 Cherry Hills Sub Christopher L Collins to Cory L Gray and Ashley A Gray, WD, Pt NE NW (Pt Mesa Lake Dev), Consideration $27,000 Danny L Gray and Joyce M Gray to Cory L Gray and Ashley A Gray, WD, Pt NW NW Myrtle Carr McCarthy and Myrtle Faye McCarthy to Aaron J Winter and Bradley J Winter, WD, PT NE SE and PT NW SW, PT S/2 W/2 SW, Consideration, $19,000 Christopher F. Cusick to Christopher F Cusick, WD, Pt NW Janet S Townsend to Big Jons Lunch Box Inc., WD, Mt.Carmel Inlots, PT Inlot 162 and Lot 5 of inlot 164, Lot 2 of Sublot 2 of inlot 164, Consideration, $42,000


Sunday, March 11, 2018

QUALITY HOMES AT A GREAT PRICE! New Models Arriving Now and Start at $59,900!

*Subject to loan conditions

824 Niblack Blvd., Vincennes, IN


Sunday, March 11, 2018


415 N Market St, Mt Carmel, IL 62863 618-263-8622

7433 N. Mesa Lake, Mt. Carmel, IL

1227 N Market St, Mt. Carmel, IL

507 Easy St, Mt. Carmel, IL

1201 Oak St, Mt. Carmel, IL




Updated 4 Bedroom/3 Bath in Home in Great Location!!




11548 Sugar Creek Ave, Mt. Carmel, IL

11135 Sugar Creek Ave., Mt. Carmel, IL

720 W 1st St, Mount Carmel, IL 62863

320 E. 5th St., Mount Carmel, IL 62863


Newly built home traditional style home with beautiful lake view and access on 3/4 acre. Open concept!

This lovely ranch home sits in a quiet subdivision setting and offers a large fenced in back yard.

Updated historic home with striking character on two large lots.






Our Real Estate Agents Brandon Hodgson Managing Broker 618-263-8622

Jay Goodson Broker 618-262-3185

Kim Goodson Broker 618-262-3186

Jason Walker Broker 618-262-6164

Cecil Downing Broker 618-240-1346


Sunday, March 11, 2018

Right at home: Décor that’s perfectly imperfect BY KIM COOK THE ASSOCIATED PRESS

“Perfect imperfection” is a trend in furnishings and décor. “It’s a return to the artisanal and the crafted, with narrative and meaning to objects,” says Caroline Till, co-founder of the London design studio FranklinTill. “Fingerprints of process and technique are part of the aesthetic appeal of the finished item.” Her studio got together last year with trend researchers from across Europe and the United States to see what’s percolating in interior design, fashion and architecture. They displayed their findings at the recent international textile fair Heimtextil in Frankfurt, Germany, and a published compilation is being used by designers as inspiration for new products. “Perfect imperfection” was one of the design directions they identified. One pavilion at the fair featured artisans working on dyeing, weaving and other crafting methods. Barrels of inky blue dye stood next to wooden racks draped with cottons that had been given pattern or left to absorb the color naturally. Till says indigo is a lead player on the artisanal stage. “(It’s) embraced by a wave of contemporar y brands and designers as they revisit the craft, celebrating the imper fections and graduated hues,” she says. Indigo pieces can be found in abundance at retailers this season. Arhaus has floor poufs wrapped in indigo-dyed, mud-print-patterned cotton. Indigo and white brushstrokes add an abstract individuality to a classic Norfolk chair from Annie Selke. Houston designer Margaret Naeve is on board with the perfectly imperfect look. “From a messy bed to handmade ceramics and metalwork, I hope to see more people looking for pieces that aren’t necessarily manicured,” she says. “I love cur tains that are slightly wrinkled, and vintage African furniture that’s one of a kind, obviously handmade by an artisan. The idea of mixing pieces that aren’t perfect in a polished space excites me,” Naeve says. “There’s nothing more chic than a sophisticated room styled with loose

Sant’Agostino via AP

This undated provided by Sant’Agostino shows Sant’Agostino’s Blendart tile collection, which evokes the warm, worn look of vintage wooden floors. New technologies in digital printing and manufacturing allow makers to create ceramics that closely resemble other materials, like wood or textiles.

Reflin via AP

This undated photo provided by Reflin show’s Refin’s Voyager ceramic tile collection, which was inspired by the aged and Sant’Agostino via AP rusted metal bridges of Genoa, and the This undated provided by Sant’Agostino architectural elements of Victorian buildshows Sant’Agostino’s Blendart tile col- ings. lection, which evokes the warm, worn Perfectly imperfect also reflects a look of vintage wooden floors. 15th century Japanese aesthetic: wabi florals and a messy throw, adding a sabi. Loosely translated, it refers to an level of approachability to the formality appreciation of the effects of time, and of a carefully designed space.” the humble beauty found in things that

are impermanent, old, worn or incomplete. We see it in the charm of rustic recycled wood, wrinkly linens, and vintage pieces with patina. It’s also evident in unpredictable and unique finishes, like reactive or drip glazes, color-washed walls, antiqued pieces and distressed rugs. Anthropologie’s spring tabletop line includes ceramics from Portugal with painterly drip and wash glazes in gentle hues. Feathers inspired a set of rugs by Spanish maker Nanimarquina; the freeform rugs each have their own slight imperfections from the handmade process, and come in a soft palette of ivory, pale green and stone. Crate & Bar rel’s Bringham iron vases meld a simple sculptural shape with an aged-look finish of gray, bronze and silver. Grain-rich teak slabs are connected with black wire to create the Marcel wall art that’s organic and contemporary. A new wall art piece at West Elm is crafted of aluminum, with a textural indigo finish creating a wave pattern. Spring bedding collections includes flax linen and cotton linen covers in calming hues of pool, slate, blush and a gentle gold shade called horseradish. Inspired by an old wing chair stripped of its upholster y, furniture maker Van Thiel & Co.’s collection of deconstructed seating and ottomans at Restoration Hardware exposes the pieces’ walnut wood frames and burlap and cotton base covers. Michelle Lamb, a marketing consultant and trend forecaster for the home furnishings industr y, says she saw another aspect of the “imperfect” look at last fall’s High Point furniture market. “Fabrics that appear to have been repaired, sliced, cut-and-pierced or defectively woven show the mark of the maker in a very different way,” says Lamb, of The Trend Curve . This relaxed way of decorating also extends to other aspects of the home. Leigh Spicher, national director of design studios for the homebuilder Ashton Woods, in Roswell, Georgia, says it’s part of a “slow living” trend. “People are returning to a simpler lifestyle, and it’s affecting every aspect of life, including home design,” she said.

Sunday, March 11, 2018


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Questions to ask when buying new construction CONTENT COURTESY TIM MASON REMAX MIDWEST REAL ESTATE

Buying a new home is exciting. Buying a brand new home can be even more so with the realization of being the first owner and possibly being able to choose your own layout and finishes. The prospect of owning new construction is definitely exciting, but it doesn’t come without its own set of questions. If you’re in the market for a new home, and considering new construction, make note of the questions below when you begin your property search.


about the builder - if they’re well known and respected, it’s unlikely they’ll lose funding and the community will likely continue on as planned.

WHAT ARE THE HOMEOWNERS ASSOCIATION’S RULES AND REGULATIONS? Many new developments and master planned communities come with a set of rules and regulations set by a homeowners association. If you’ve never lived in a community with a HOA, it’s important to find out the rules before investing in it. The bylaws and the CC&Rs will let you know what is and isn’t allowed in the community (especially when it comes to the exterior of your home). You’ll also want to find out when the HOA fee begins — in some communities, it can start before the home is even finished.

Unless you’re looking at custom homes on acreage, it’s likely new construction in your area will be located in a new development or in a master planned community. With this in mind, feel free to ask about the plans for the community. If it’s DO YOU OFFER ANY BUYER a large area, find out if any subdivisions are OR FINANCIAL INCENTIVES? planned. If there are only a few houses built If the community or development is still so far, it’s likely to mean lots of construction in the early stages, there might be incentives in the months to come - which means a lot (like a buyer discount, builder upgrades or of noise and construction traffic. Also ask

other financial incentives or freebies) for buyers. Sometimes these offers come with a catch — where something is expected from the buyer in return for the incentive — but it’s important to ask about any offers that may be available, especially if the community is still up and coming.

CAN YOU CONNECT ME WITH SOME CURRENT HOMEOWNERS? Just as you would check reviews before buying an item online or booking a service, the same can be said for a home builder. Just because the product that’s being offered is a shiny new home doesn’t mean you shouldn’t do your due diligence and check references before making a large investment. While it’s likely that the builder will provide glowing reviews, checking reference and review websites and even knocking on the doors of current homeowners will provide additional information and give you a wider understanding of the builder and its practices. Talking to current homeowners will provide information about the actual community.

New construction is exciting, but you want to make sure you have all pertinent information before you go through with a home purchase. Your real estate agent will be able to help navigate the waters of new construction. Reach out to your agent with any questions you may have about buying new construction in your area.

DO YOU PROVIDE WARRANTIES? New homes often come with different warranties. Ask if a workmanship and structural warranty come with the home. A workmanship warranty (or builder’s warranty) is a warranty for newly constructed homes that offer limited coverage on workmanship and components of the home like windows, siding, roofs, doors, plumbing, electrical and HVAC. Traditionally a workmanship warranty will cover a one or two year period; another likely warranty is a structural warranty, which covers the structure of a home. If a warranty is provided, make sure you know exactly what is and isn’t covered and how much you’re responsible for in case of any issues.

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Sunday, March 11, 2018

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Sunday, March 11, 2018


Spring 2018 décor: a happy and relaxed refuge at home BY KIM COOK THE ASSOCIATED PRESS

The biggest trend in décor may be that there isn’t a big seasonal shift in style any more. In an era of democratic design, there’s a relaxed approach to home decorating that has put the notion of “in” or “out” on a back burner. We can decorate our homes more freely. There are furnishings, palettes and materials in the spotlight, to be sure. But we’re more inclined to decorate in a personal and emotional way, making home a happy refuge in an uncertain world.

WARM AND WELCOMING “Cozy seems to be the buzzword for 2018,” says Joan Craig, partner at Lichten Craig in Manhattan. “Every client this year has told us they want their home to be soft, warm, relaxed, luxurious ... and easy.” Craig said that for a few years now clients have wanted high-performance fabrics that can survive kids, pets and wine. “This is still the case, but now these textiles also have to be incredibly lush and soft,” she says. “We’ve started doing indoor/outdoor fabrics mixed with the most delicious mohairs and alpacas, combined with textured chenilles and weaves.” Miami-based designer Phyllis Taylor says her eponymous firm is getting many requests for ethanol-based fireplaces, which are easily retrofitted into homes because they don’t require venting. Taylor’s team is using the fireplaces as room dividers, and situating them in master baths, dining rooms and on television walls. “These fireplaces are a luxurious focal point, giving a space an unexpected touch of coziness and glamour.” Farmhouse sinks, like Stone Forest’s hammered-copper version, meld relaxed rusticity with modernity. Eclectic décor is part of this trend, too — a curated mélange of whatever makes your inner decorator’s heart beat. Pieces from different eras, travel souvenirs, favorite finds — the shelter magazines have embraced eclecticism for its ease and personality. Quiet color palettes are part of this aesthetic. Think muted sugar hues, deep limpid blues and fog. Hastings Tile & Bath’s new collection features handmade subway tiles with names like Duck Egg, Snow and Cloud.

vibrant hues, like Cherr y Tomato, a zingy red; Meadowlark, a bracing yellow; and their color of the year, Ultra Violet. Thorp is interested in avant garde Italian patterns now, too. “Cole & Son has some amazing Fornasetti wall coverings that will completely transform a room in unexpected ways,” he says. “Surreal pattern is so appropriate in these surreal times.” Floral and garden patterns are cropping up ever ywhere, especially exaggerated ones. “The wackier the better,” says Thorp. Dutch designer Ellie Cashman has drawn inspiration from her countr y’s ar t masters, creating oversize floral papers that look like they’ve been plucked from a moonlit garden. And British firm Graham & Brown has collaborated with musician Brian Amy Bartlam | Amy Sklar Design via AP Eno on a contemporary flower wallpaThis photo provided by Amy Sklar Design shows two chairs in a room with floral per full of kinetic energy. prints. “As a designer, I love bold floral prints that feel modern but wink to the classics,” says designer Sklar. “The profile of this particular chair is very traditional, so addIT’S THAT ‘70S SHOW ing a poppy pattern here makes it feel much more current, timeless and fun.” Mixing Midcentur y modern still has legs. styles is a hot trend now in décor and design. So does the hybrid style known as “We think greige is making a re-emer- ing calm and quiet, others are excited transitional. But interior design’s relagence in 2018,” says Los Angeles-based about the proliferation of imaginative, tionship with fashion and glamour has lighting, furniture and product designer interesting patterns, shapes and tex- placed new focus on the ‘70s and ‘80s. The look may not seem quite as au Brendan Ravenhill. “A mix of grey and tures. It’s a trend that allows personalicourant to those who grew up in the beige, the color brings warmth to wood ties to shine. “I think people are less afraid to use era, but the young and daring will find and whitewashed spaces.” Melissa Lewis of Lewis Giannoulias pattern in bigger spaces,” says L.A. Jonathan Adler’s new pieces chic and Interiors in Chicago says there’s a new designer Amy Sklar. “Patterned tiles for fun. Inspired by Studio 54, the famed way to tweak the perennially popular kitchen backsplashes and bathrooms ‘70s-era New York nightspot, the seatcombo of gray and white: Envelop the are going strong, and I’ve also been ing in the Bacharach collection comusing patterned runners for stairways bines velvet upholster y and brushed space. “Take the warm neutrals and paint and hallways. It’s a fun way to add a brass bases. And in Adler’s Ultra collecthem on everything — doors, trim, walls, little personality without overwhelming tion, mineral-hued velvet or black-andwhite printed upholster y dresses up etc. The unilateral color makes any space the space.” Bonnie Saland of the Los Angeles- an array of seating that blends Italian feel much more refined and welcoming,” based design studio Philomela has modernism and futurism. she says. Another feature of this ‘70s style? That refinement is also being rein- done a fabric collection based on rocks forced with touches of drama and tex- and minerals, as well as batik-style A palette of happy hues like daffodil, gumball pink, acid green and sky. ture, says Charlotte Dunagan of Duna- abstracts. You’ll see lots of kicky pop art prints “We’re enjoying the layering of patgan/Diverio Design Group in Coral Gables, Florida. The firm is using matte tern on textured ground, increasingly on textiles and wallpaper. Fab’s got One black accessories, light fixtures and dec- offering wallpapers on grass cloth,” she Bella Casa’s Eyelita throw pillow, with a cartoon eye repeated on vivid green. orative hardware in many of its projects. says. Pronounced weaves, knits and chan- Here too is the trippy, candy-colored Warm woods like walnut and warm paint colors generate an ambiance she calls neling are in soft accessory and uphol- geometric print of LiLiPi’s Pop pillow. So here we go, 2018. Some of us are stered furniture collections at many “classic modern.” “Bold materials and textures offset by retailers this spring, including www. ready to cozy up with Netflix and a faux relaxing neutrals create the ‘2018 equilib-, and fur throw in a quiet room wrapped in milk chocolate paint. Others want to rium,” she says. Los Angeles designer Raun Thorp enliven our space with a madcap array sees red coming back, in new versions of fun prints, a gold chandelier and the PLAYING WITH tunes turned up. and applications. PATTERN AND COLOR This year, it’s all good. Pantone’s new palette has several While many designers are embrac-


Sunday, March 11, 2018

1264 Honeysuckle Lane, Vincennes, Indiana MLS# 201746686 $294,900

WELCOME TO THIS BRAND NEW HOME!!! This beautiful vinyl and stone home features 3 bedrooms, 2 baths and a two car attached garage. The sidewalk and porch are textured concrete. Upon entering, you’ll come into the large living room area. The living room has a large open concept to the kitchen and dining room. The living room has a small coat closet and ceiling fan. The flooring in the living room, kitchen and dining room area features vinyl/ PVC mix. This type of flooring is waterproof, scratch proof and does not expand with temperatures.

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Sunday, March 11, 2018


2402 Hart Street Vincennes, Indiana 47591

This top of the line, amazing kitchen will knock you off your feet! Features include stainless steel appliances, granite countertops and an abundance of hard maple cabinets. A large, walkin pantry is a bonus to this show-stopping kitchen. There is a dining room area that has a set of doors, which accesses the back yard. There are two bedrooms on one side of the house, featuring a closet, a ceiling fan and carpeted floors. The guest/second bath has tile floors and a tub/shower combination. The other side of the house contains the master suite. The master bedroom has carpeted floors, a ceiling fan and a door to the textured concrete patio. The master bath has tile floors, walk-in tile shower, a tub, dual vanity and large walk-in closet. Off of the master suite is the laundry room with washer and dryer hookups and access to the two car attached garage. Off of the utility room is a door leading to a full, walkout, unfinished basement with poured walls. The basement already has plumbing for a potential 3rd bathroom. The basement also contains a storm shelter.

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Sunday, March 11, 2018

Four things vets, service members need to know when buying a home STATEPOINT

If you’re a veteran, reser vist or active duty service member, it’s important to know that there are special benefits you may be eligible for when buying a home. “Veterans and ser vice members have earned the opportunity to become homeowners, and it’s crucial that they are well-informed about the benefits and options available to them,” says Greg Murray, militar y mortgage program manager at Wells Fargo, who is also a U.S. Navy veteran. To help, Murray has identified the top four things to know when buying a home. • There are special financial education resources designed for militar y personnel and veterans. Take advantage of these free online resources so

you can be a savvier home shopper. For example, Wells Fargo’s Hands on Banking for Military, which offers courses on topics like banking basics and smart spending, also contains a comprehensive guide on home-buying. • Before assuming you won’t qualify for a loan, talk to a lender. Be sure to tell the lender that you have served or are currently ser ving in the militar y. They can inform you about the options available to you, such as a Veteran’s Administration (VA) loan. A VA loan is a home loan guaranteed by the federal government, designed to help those who’ve ser ved in the militar y obtain homeownership. They can sometimes be obtained with zero down payment. Gifts or grants can be used to help cover down payment and closing costs, subject to program requirements, and

no mortgage insurance is required. • A large portion of qualified buyers aren’t taking advantage of the lowto-no-down-payment mortgage options available through VA loans. Indeed, more than 21 million veterans and service members live in the U.S., however, over the past five years, a mere 6 percent of them bought a home using a VA home loan, according to the Department of Veterans Affairs. This may be due to the common myth that active duty service members, National Guard members and reser vists are not eligible for VA loans (in fact, they may be eligible). Many also are unaware that unmarried, surviving spouses of veterans who died as a result of service or servicerelated causes are also eligible. • Individual banks, not the Depart-

ment of Veterans Af fairs, of fer VA loans, allowing you to work with a lender who understands your needs and makes you feel comfortable. “A specialized team member who understands unique militar y needs, such as a Wells Fargo Militar y Lending Specialist, can help you make the most of the home loan benefits you’ve earned,” says Murray. Developing a relationship with this lender is also a good idea, as you may later choose to refinance through the VA Interest Rate Reduction Refinance Loan (IRRRL) program. To learn more, visit military. If homeownership seems daunting, remember that taking advantage of VA benefits can make it more financially and logistically viable.

When renting your first place, good credit can open doors BY CLAIRE TSOSIE NERDWALLET

When first-time renter Angelica FattuLogan, 20, started applying for apartments, she braced for rejection. But those rejections never came — in part because she had good credit. “I applied to about three or four different apartments, and they all accepted me right away,” says Fattu-Logan, a drugstore manager and college student from Peoria, Arizona, who recently moved into an apartment with her fiancee. “It was a pretty quick process, like two days. It was just a matter of picking which one I liked better.” She maintains her credit by paying for groceries with her credit card and paying off the balance right away. For young folks fearing rejection from landlords, Fattu-Logan’s positive experience is heartening. It also illustrates an important point: Good credit can be especially helpful for first-time renters.

BETTER CHANCES OF APPROVAL When you’re new to renting, good credit can make up for other shortcom-

ings in an application. “If (applicants) have a good credit score, even if they haven’t rented before, that means that they’ve handled their finances well and that they’re responsible,” says Laura Agadoni, a landlord and real estate writer based in Marietta, Georgia. That could be enough to make up for a lack of a rental history, otherwise a major factor in rental decisions, she says. “My bottom line is, I just want to get my rent on time,” she says. Requirements can vary, but Agadoni says many landlords look for credit scores of 640 or higher for renters. They also consider factors such as income, debt and employment. In some cases, those with good credit scores might not need to find a co-signer, a person — often a parent — who’s equally responsible for making payments. But Agadoni notes that she might still require a first-time renter with good credit to get a co-signer if they’ve worked at their job for less than a year and have limited savings, for example. “Every situation is different,” she says.



If you’re approved with good credit and meet all the landlord’s requirements, you’ll generally just have to pay the security deposit and rent described in the rental listing. But if you’re approved with bad credit, you may have to pay a premium — not just on rent, but potentially for utilities, too. “We’ve definitely seen consumers with more challenged credit having to put higher deposits down in order to rent a property,” says Jim Triggs, senior vice president of counseling at Money Management International , a nonprofit credit counseling agency. The firm offers counseling to renters, among other services. He adds that landlords sometimes also charge higher rents to these applicants. Many utility companies — such as electricity and gas providers — also charge upfront deposits to those with poor credit. “Normally, the better your credit, the better arrangements you’ll have with any of those utility companies, up to and including zero deposits,” Triggs says.

In cities where the rental market is extremely competitive — say, San Francisco or New York — having good credit is just table stakes. But in areas where landlords have trouble finding tenants, a good score can give you bargaining power. That’s because good credit is a crystal ball that tells landlords you’re reliable. “How you pay your bills is predictive of how you’re going to pay your bills in the future,” says credit expert John Ulzheimer . “That includes rent.” If a landlord is eager to find a renter and you have good credit, “the apartment (landlord) is absolutely going to want you to move in, and move in lickety-split, because they’re going to want to start getting paid,” Ulzheimer says. “And you can lean on them a little bit.” For example, he says, you may be able to negotiate a good parking spot or extra garage remote controls, even as a first-time renter. SEE RENTING/PAGE 38

Sunday, March 11, 2018


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Low profile, high style: kitchens that go with the flow BY KIM COOK THE ASSOCIATED PRESS

Kitchens tend to be designed as star players on the residential stage. Their role is often aspirational — pro chef’s lair, for example, or the country kitchen from that Italian movie you loved. But there’s a different story being played out by some kitchen designers today: kitchens that merge seamlessly into the rest of the main living space. Sometimes that’s because there are space limitations — a smallish apartment, for example, where the kitchen is cheekto-jowl with every other room. Or there may be plenty of space, but no walls, so each living zone looks into the next. Some new kitchens are nearly invisible; others employ decorative and design elements that assimilate them into the look of adjoining spaces. Cabinetry is the same style, color, material and finish as other furniture. The color palette is the same or complementary. Lighting and accessories echo those in the principal rooms. Flooring is consistent throughout. Appliances are integrated. Even the island and countertops reflect materials used in adjoining spaces. The Dunagan Diverio Design Group in Coral Gables, Florida, recently completed a Miami penthouse project with an open floor plan. The clients loved to cook and needed lots of space that functioned well. “But they also wanted the kitchen to have clean lines and be completely integrated into the home’s design,” says firm co-founder Charlotte Dunagan. “We created a kitchen that flowed directly as part of the great room and living space. The concept we aimed for was to conceal as many of the appliances as possible, even going so far as to find a white oven to blend into the white cabinets.” It was important to have the finishes all work together, says her partner, Tom Diverio. “The kitchen really becomes part of the space, especially with the neutral oak wood flooring that continues throughout the home,” he says. “We were also careful to select finishes that were warm and inviting, which appear to be more like furniture.” Pale walls in the open layout allowed for the residents’ art collection to carry through, further integrating the kitchen into the home. Architect Dan Brunn in Los Angeles says he, too, keeps flooring the same throughout an open-plan home. “The dining room and living room are

Marco Ricca for Drake | Anderson via AP

This undated photo provided by Drake/Anderson shows a kitchen in New York designed by the Manhattan-based firm Drake/ Anderson. They created this Tribeca kitchen to flow seamlessly into the main living space by repeating touches of color throughout, echoing the mosaic backsplash pattern in the chair upholstery and running the flooring continuously. typically connected to the kitchen, so we make the kitchen feel more ‘domesticated,’ less like a stainless steel lab,” he says. “One of my favorite things is to specify full custom-front appliances.” New York City designer Amir Khamneipur took a similar approach with his Park Avenue apartment. “I used flat-panel, semi-gloss-painted cabinetry throughout my kitchen,” he says. “The flat panels allow the kitchen cabinets to read as architectural elements. The geometry, symmetry and balance of lines created by the cabinetry seams were purposefully aligned with mirror work and fireplace height. These different elements coincide to create a harmonious look.” Khamneipur chose a cream-and-neutral color palette for the minimalist kitchen, reflecting the serene vibe of the apartment. And he added a few clever features, like furniture-style legs on the kitchen island to reflect the neoclassical lines of a sofa and pedestal table across from it.

Dunagan says the inspiration for the Florida penthouse came from yacht design, in which all available space is maximized. A coffee station got tucked behind pocket doors. A laundry room, service kitchen and Sub-Zero appliances are also concealed behind wood doors or cabinets in the kitchen. Modern materials and technology make “hiding” kitchen elements easy. Smart induction cooktops are nearly unnoticeable when not in use. Appliances that formerly sat on counters are now built into drawers. LED lighting can be installed virtually anywhere. Henrybuilt , a Seattle designer and maker of kitchen furniture and storage systems, offers solid-surface counters with drainage for the sink. Storage cubbies for tools, napkins and bread are built into milled wood counters, which are then extended to create eating tables. Knife blocks, utensil, spices, pantry items, and recycle and trash receptacles all fit neatly

out of sight in drawers and sliding cupboards. Pay attention to how you illuminate the kitchen, says Sheva Knopfler, creative director of Brooklyn, New York-based . “The easiest way to streamline a kitchen is to incorporate simple lighting fixtures that blend in or almost disappear,” she says. “And consider paring down the number of lighting elements, opting instead for fewer, brighter overhead fixtures.” Pick a style that suits you, and then create a visual flow with lighting in matching metallic finishes, she suggests. And it’s fine to tweak that plan by adding a piece that’s got some drama or playfulness. “A statement light allows you to add a bold dash of your personality. It becomes the ‘artwork’ of the space,” Knopfler says. Consider a large chandelier, or a grouping of pendant fixtures.

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Safe Home Solutions for Aging In Place There’s No Place Like Home Your home is a place of peace and safety, however, if you do not update your home as you age, the home can quickly become threatening. Ensuring your home is equipped to keep you safe is very important as you age. These updates may include grab bars, traction strips, stair lifts, walk·in tubs, and more! Williams Bros Pharmacy offers a variety of independent living solutions and accessible home modifications to assist with necessary updates to keep your home safe and welcoming to everyone.

Update Your Home for Safety and Comfort Williams Bros Pharmacy can assist with updates to your or your loved one’s home. Some of the most common home modifications include: • Grab bars in any room • Interior and exterior ramps • Doorway thresholds ramps for indoor and outdoor locations • Custom stair li fts, vertical platform lifts (VPLs) or home elevators • Walk- In tubs or showers with benches and hand-held shower heads • Curb-less or barrier-f ree showers • Ceiling lifts Don’t wait anot her day to be safe and independent in your home. Visit a Williams Bros. showroom to see products and accessible designs in person or contact the accessible home modification experts at Williams Bros. by signing up for a Free Home Safety Assessment in the left column or calling 800-264-0064 and ask for Safe Home Solutions now.


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Sunday, March 11, 2018

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Sunday, March 11, 2018


Local lenders, local decisions If you’re planning to buy or build a home, put my experience to work for you. Call or email me about mortgage options today!

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Sunday, March 11, 2018


For most Americans, being able to buy a home or proper ty with cash is not a reality. Because of this, banks and other lenders of fer mor tgage loans to those that qualify. A mor tgage loan isn’t a bad thing — for millions of Americans, it’s a way for them to have their own home. As with any popular subject, there are some common myths surrounding mor tgage loans. While not ever y buyer will need a mor tgage loan, it’s important to discern the myths from the facts when it comes to mor tgages in the United States.


This is probably one of the most popular myths surrounding mor tgage loans, and it’s also one of the most outdated. While it may have been a requirement generations ago, a buyer does not need to have 20 percent of a home’s purchase price in order to qualify for a mor tgage loan. While it may be financially better to put down 20 percent (the total loan amount will be less with a bigger down payment amount), there are a number of different loans and options that allow potential buyers to get a mor tgage with less than 20 percent down. An FHA mor tgage for first-time buyers requires 3.5 percent down; VA mor tgages allow for zero down; USDA home loans require nothing down; and a number of other programs allow buyers to put anything from 3 to 10 percent down. If you’re thinking of buying a home and you know you’ll need a mor tgage loan, don’t be fooled by the 20 percent down myth - there are way

more options out there now than there used to be.

ONCE YOU’RE PRE-QUALIFIED YOU’RE GUARANTEED THE LOAN It may seem like, with the steps you go through to get pre-qualified, that a mor tgage loan will be a sure thing. But that’s not the case. Prequalification is not pre-approval. Pre-qualification is the initial step in the mor tgage process, and while it’s an impor tant one as it can give a person an idea of a mor tgage loan amount they may receive from a lender, it is not the actual approval. Pre-qualification usually does not include a credit repor t analysis or an in-depth look into one’s ability to buy a home. Because of this, being pre-qualified is not a sure thing and it’s not a guarantee of a mor tgage loan. There have been buyers who have been pre-qualified only to be told they were not actually approved for the mor tgage loan itself. All of this being said - if you’re looking at homes and know you’ll need a mor tgage loan, get pre-approved before you decide to make any of fers. Even pre-approval comes with cer tain conditions, but is much better than a pre-qualification.

YOU NEED EXCELLENT CREDIT AND NO DEBT TO GET A LOAN There are a number of factors that go into mor tgage approval, and while creditwor thiness and debt-to-income ratio are both considered, you do not need to be “excellent” in either of these areas in order to get a mor tgage loan. The minimum credit score necessar y for a conventional loan is 620, and an FHA loan with 3.5 percent down requires a score of 580. With

the median FICO credit score in the U.S. at 700, a buyer doesn’t need to have excellent credit in order to qualify for a mor tgage loan. As for debt-to-income (DTI) ratio: while it’s best to have as little debt as possible when looking to purchase a home, Fannie Mae and Freddie Mac (gover nment-sponsored agencies that publish standards for conventional mor tgage approval) have the maximum allowable DTI at 50 percent, meaning those with current debt are not at a loss when it comes to qualifying for a mor tgage loan.

30-YEAR FIXED-RATE MORTGAGES ARE THE BEST OPTION The financial and housing crisis that occur red in the U.S. in the late 2000s left a sour taste in the mouths of many Americans when it comes to non-traditional mor tgage loans. Adjustable rate mor tgages and mor tgages other than fixedrate were seen as bad and predator y. While some lenders took advantage of hard working Americans and many people lost their homes, non-traditional mor tgage loans are not a bad thing, especially for certain buyers. A 30-year fixed-rate mor tgage is a gr eat option for someone that plans on staying in his/her home for many years, but for someone that knows they’ll likely move within five to seven years, an adjustable rate mor tgage might be a better option. Fixed rate loans also come in other than 30 year terms; shor ter lengths have a higher monthly payment but can save a lot of interest charges. Those buyers looking to retire soon may be better of f with a shor ter loan length than someone who is young-

credit reports and credit scores to see where you stand. Doing so is free and doesn’t hurt your scores. If you have good credit, you can walk into property FROM PAGE 30 viewings with confidence, knowing you’re set up for BEFORE RENTING, success. If you have bad or no credit, you can focus CHECK YOUR CREDIT on making improvements. Be upfront with landlords Before you go apar tment-hunting, check your about what steps you’re taking to work on your credit


er and still has many more years in the job force. If you’re in the market for a mor tgage, it might be wor thwhile to look at all the options available and see which one best aligns with your personal and career goals - it may not be the traditional mor tgage loan.


It’s often said if it’s too good to be tr ue, it generally is. The same can be said for mor tgage interest rates. When looking for a loan, interest rates will be listed online, in newspapers and wherever else they adver tise. Those adver tised rates will likely look great and will be incredibly low, but the reality is that most of the time, adver tised interest rates are only reser ved for those who have a per fect credit score, have an incredible debt-to-income ratio, and are likely putting down a ver y large down payment. Interest rates are influenced by a number of factors, which of course aren’t included in the adver tisement (just in the incredibly small fine print); because of this, take all adver tised interest rates with a grain of salt and go into the mor tgage loan process with the understanding that you may not receive the adver tised interest rate. Mor tgage loans can be confusing and intimidating, especially with the number of myths out there about them. If you still have questions, your agent can help or refer you to someone with more knowledge —they may even have a lender they’ve worked with and recommend. Buying a home with a mor tgage loan is still widely popular in the U.S. — don’t let the myths fool you out of achieving the goal of home ownership.

and, in the meantime, budget for a larger security deposit. It may take longer to find a space that’s right for you, but with persistence — and maybe some help from a co-signer — you’ll get there. This article originally appeared on the personal finance website NerdWallet. Claire Tsosie is a writer at NerdWallet. Email:

Sunday, March 11, 2018


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Sunday, March 11, 2018

A construction loan, tailored to your dreams. One-Step Construction loan program The Old National One-Step Construction loan is a great choice if you’re building your home, looking to lock in a fixed-rate for your construction and permanent term, and want to save on closing costs. • Enjoy interest-only payments during the construction period, up to 12 months • Choose from a variety of fixed-rate loan terms • Up to 90% financing available with lender paid mortgage insurance approval1 • Save money with convenient one-time closing • Available on loan amounts up to $1 million • Work with an experienced Old National construction specialist

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Latest apps for home layouts, inside and out BY KATHERINE ROTH THE ASSOCIATED PRESS

Planning out how to arrange furniture in your home — or plants in your garden — used to involve a pencil, graph paper, a measuring tape and a lot of imagination. The process has gotten easier — and way more streamlined — thanks to a burgeoning selection of home and garden apps. Fur nitur e companies, interior design firms and even landscapers have been rolling out a new generation of apps and online programs to make the process more foolproof for novices and pros alike, often using virtual and augmented reality technology. “Design apps are really great for generating ideas, and deciding on materials and sources for do-it-yourself projects,” says Margaret Mayfield, an architect in Los Osos, California. “And they’re also ver y helpful for communicating design ideas to contractors and architects.” The technology allows you to see what furniture would look like in your home before you buy it, using just the camera on your phone, for example, instead of dealing with the hassle — and back pain — involved in returning, say, an ill-chosen sofa. And the design apps do not stop at the door. With spring around the cor ner, there are landscaping apps to help take the guesswork out of deciding what to plant and where and when. Among the most popular home apps is Houzz, a free app with 40 million users around the world each month, according to Liza Housman, vice president of industr y and marketing for Houzz. Features include a huge database of design photos — searchable by style, countr y or color, for example — to create a personalized “idea book.” The site’s “Visual Match” feature allows visitors to order furniture and other products that are the same or similar to those seen in the magazinetype photos. You can work with a friend by using the “Invite a Collaborator” feature, or, through “Director y,” contact local designers, architects or landscapers. One of the newest features is “View in My Room 3D,” which invites you to

Houzz via AP

This March 2018 photo provided by Houzz shows different devices displaying the Houzz App. Houzz has more than 16 million photos of professionally designed interiors and exteriors to provide inspiration.

Houzz via AP

This March 2018 photo provided by Houzz shows its View in My Room 3D, an augmented reality tool in the Houzz app that lets people preview more than 1 million furniture and decor products from the Houzz Shop in 3D, within their homes, before they buy. photograph your room on your phone Other indoor design apps include and then — using augmented reality Hutch , Home Design 3D, and Home technology — place a selected piece Design 3D, Rooms, and interior of furniture in the room to see what it design apps from stores like IKEA would look like there. and

For outdoors, Houzz — which recently acquired the GardenWeb app and is integrating it into its own app — features ar ticles and advice from gardening pros, and a forum where home gardeners can share ideas and suggestions. Another popular landscaping app is iScape, which helps you visualize your garden, save and share ideas, and buy gardening products. As with all technology, though, the apps have a lear ning cur ve that in some cases is far greater than the old graph paper and pencil method of laying things out. And professionals warn that for major jobs, it’s still best to seek out a pro. Just don’t be surprised when your landscaper or designer pulls out their phone to consult an app. Matt McMillan, a landscape designer in Pound Ridge, New York, says, “My designs are ver y focused on drawing nature into the garden. So I frequently consult the Cornell Lab of Ornithology’s Merlin app. I also have apps for dragonflies, butter flies and mushrooms. I can’t live without the ‘Toolbox’ app in general, and specifically its compass.”

Sunday, March 11, 2018


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Sunday, March 11, 2018

How much home can you afford this spring? STATEPOINT

The chicken or the egg? Which came first continues to fuel philosophical debates. But when it comes to buying a home, experts are pretty clear about the proper order of things —agreeing you should fit your mortgage to your finances, not to a house. “Before you even start your search for a home this spring, it’s cr ucial to know how much you can af ford to pay each month,” says Freddie Mac Senior Vice President Christina Boyle, who stresses that there are a few important things to keep in mind

as you calculate this figure. Start by getting a handle on your finances. What do you earn? What do you spend? How much do you have in savings? Answering these questions will help you better understand how much home you can afford. Make a budget and use free online tools and calculators to determine how much you can afford. Remember that your monthly expenses go beyond mor tgage payments, so leave some room in your budget. Whether it’s a new roof or a leaking faucet, homeownership can mean unexpected expenses. Be prepared to pay for such items, as need-

ed. General maintenance, combined with utilities (an expense that can var y by home depending on its size and other factors), are added expenses to consider. Some neighborhoods also have homeowners’ association fees to cover the cost of upkeep of common spaces. Your lifestyle can also help you assess whether a particular home is right for you and your budget. Location is key in determining what you can afford. Some points to consider are whether you want to live in a suburban or urban setting, whether you need to be near specific schools and public transportation, and the potential

length of your commute. These factors can affect the cost of a home and you should determine your priorities in advance of home and mortgage hunting. Remember, getting pre–approved can help you act fast and make a confident offer, so talk to your lender now before you start shopping. A full rundown on all things homebuying, including free tools and resources, is available at This spring, be sure to prepare yourself for the homebuying experience by being well-informed and aware of what you can afford.

Sunday, March 11, 2018


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Sunday, March 11, 2018

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600 E. JOHN ST., FT. BRANCH Here’s your chance to own an entire city block! Over approximately 2 acres in the heart of town. This property has an over 16,800 sq. ft. building that has been used as a church and offices. Also includes a 2,131 sq. ft. residential 4BR, 1.5BA home with an unfinished basement and attached garage. Property also has a detached two car garage building. $375,000 MLS# 201749612

CARITHERS ROAD, PRINCETON This property is approximately 16 acres of heavily wooded land being divided from current 24 acre parcel. This property would make a fantastic site for your new country home. $128,000 MLS# 201755625

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All Things Real Estate, March 2018  
All Things Real Estate, March 2018  

All Things Real Estate, March 2018