All Things Real Estate, October 2019

October 2019

allREAL thingsESTATE

REAL ESTATE

View more photos and information of this month’s featured home on pages 16 and 17

The Timberlake Estate

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

CLARION REGISTER PRINCETON DAILY

MOUNT CARMEL

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Friday, October 11, 2019

RIGHT AT HOME

The look of hand-drawn art is hot in decor

BY KIM COOK THE ASSOCIATED PRESS

Hand-crafted is popular these days, and many home decorators are looking for unique textiles and other furnishings that feature the look of handdrawn art.

Items like the eclectic, playful wallpapers of Brooklyn-based artist Aimee Wilder , who designed for brands like DwellStudio, Martha Stewart and Vans before starting her own studio. She’s expanded the line beyond wallpaper to include rugs, pillows, fabrics and poufs, and collaborates with prominent design brands on showroom design and installations.

“I’ve been making graphic pieces since the early 2000s and I knew I wanted my own brand way back then,” Wilder recalls. “I just knew that my work was a good fit for home textiles, maybe filling a hole, since back then most interior stuff was pretty traditional or more globally inspired.”

In her Eudaimonia collection, named after a Greek word meaning happiness, she was interested in exploring how celestial bodies influence us. The moon’s phases are rendered in pastels and neutrals in the Earthlight pattern, while Pyramid du Soleil is named after Mexico’s Pyramid of the Sun in Teotihuacan.

Fantastic sea creatures make their way to and fro across her Mystic Lagoon wallpaper, an idea that came out of a trek through the Scottish Highlands. A trip to Indonesia was the jumping-off point for Bungalow, with exotic fruits and flora. And a line drawing Wilder received as a gift while collaborating with Los Angeles surf brand Mowgli Surf inspired her jaunty Swell wave print.

Another artist, Anna Bond of Winter Park, Florida, co-founded Rifle Paper Co., known for floral illustrations on stationer y, wallpaper, home decor and fashion accessories. Bond’s made a series of gouache paintings of destinations around the U.S., including Chicago, New York and San Francisco.

Betsy Olmsted had planned to become a naturalist, but after majoring in art, studying in India, and getting a master’s degree in textile design, she translated that early passion for living

things into a career as a designer with her own studio in Saratoga Springs, New York.

In her lighthear ted watercolor, gouache and ink drawings, a menagerie of foxes, hedgehogs, turkeys and other woodland creatures share the canvas with smatterings of flowers and leaves. She sells table linens, pillows, wallpaper and fabric by the yard.

One of her unusual wallpaper patterns: Curio, on which glass cloches hold beautifully rendered mushrooms, coral, antlers and moths, all surrounded by fungi and flora detailed with a delicate touch. It resembles a naturalist’s notebook writ large, and one can imagine it in a nursery.

The founders of The Farmhouse Project , artists Shawn Lang and Kris Prepelica in Hortonville, New York, create detailed drawings of vegetables and botanicals, which are printed on stonewashed linen table goods. The naper y has an authentic, historical charm that’s right on trend.

Fishs Eddy also offers dishtowels illustrated with pen and ink drawings, here of New York City bridges and tunnels.

And Brooklyn artist Claudia Pearson, whose work has appeared in children’s books and The New Yorker, has done a collection of tea towels available at West Elm that feature her quirky take on maps of cities all over the country.

Rifle Paper Co. via AP

Elizabeth Pedinotti Haynes | Betsy Olmsted Design Studio via AP

This photo provided by Betsy Olmsted Design Studio shows some of the Saratoga Springs, N.Y.-based artist and designer’s designs. Betsy Olmstead planned to become a naturalist. Now she translates that early passion for living things into a delightful collection of watercolor, gouache and ink drawings for table linens, pillows, wallpaper and fabric by the yard. There are woodland creatures like foxes, hedgehogs and turkeys on offer as tea towels, for example, as well as an intriguing wallpaper pattern called Curio on which glass cloches hold beautifully-rendered mushrooms, coral, antlers and moths as well as fungi and flora.

Rifle Paper Co. via AP

Rifle Paper Co. via AP

This photo provided by Rifle Paper Co. This photo provided by Rifle Paper Co. This photo provided by Rifle Paper Co. shows a gouache painting by Anna Bond shows a gouache painting by Anna Bond shows a gouache painting by Anna Bond of Wrigley Field in Chicago. of Rainbow Row in Charleston, S.C. of Chinatown in San Francisco.

Friday, October 11, 2019

$40,000

ALL THINGS REAL ESTATE 3

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Friday, October 11, 2019

Why many older home buyers are ‘smart sizing,’ not downsizing

BY MICHELE LERNER WASHINGTON POST FEATURES

Robin and Stefanie Wohnsigl, a couple who recently moved to the Four Seasons at Kent Island activeadult community in Chester, Mar yland, have been on a four-year journey to find the right place for their retirement.

“We sold our big house in Great Falls four years ago and downsized to an apartment in Reston, Virginia,” says Robin Wohnsigl, a retired Air Force colonel and airline industr y executive. “The apartment was great, it had indoor and outdoor swimming pools, and we loved Reston, but we had downsized too much plus we wanted a backyard for our dog.”

T h e Wo h n s i g l s m o v e d f r o m an 8,000-square-foot house to a 1,500-square-foot apar tment before their recent transition to a 3,700-square-foot single-family home on Kent Island.

“Not only did we want more space and wanted to get back to owning a home, but we realized that ever y time we crossed the Chesapeake Bay Bridge to visit our daughter in Dover, Delaware, we felt this complete decompression,” says Robin, who is 76. His wife, who retired about 20 years ago, is 74.

For empty nesters transitioning out of their longtime houses, making the choice of a new place to buy in a 55-plus community doesn’t always mean downsizing.

“Older home buyers today are ‘smart-sizing’ rather than just downsizing,” says Mollie Carmichael, a principal with Meyers Research, a housing r esearch fir m in Costa Mesa, California. “Af fordability is a big priority before and during retirement, so people think they need to downsize for financial security, but that’s not always true.”

In active-adult communities, where typically residents must be 55 or older, the average home size is 1,500 to 1,800 square feet, Carmichael says.

“We’ve found that about 30 per-

cent of people who move to age- dent and founder of Suburban Jungle, restricted communities move to a a national real estate advisory service larger place within the community based in New York City that recently after they’ve lived there for a while,” opened a “ReSizer” division aimed at Carmichael says. “They just want a people in their 50s and 60s. little extra space and yet want to stay “The people we work with aren’t in the neighborhood.” retiring yet, but they are in a ‘now When Kevin and Sue Hanrahan what’ phase where they can choose retired at age 55, they fully intend- where they want to be based on their ed to downsize from their lifestyle rather than on three-level house in Ash- “Older home their kids’ schools,” Berbur n, Virginia. But like buyers today are nstein says. “We talk to other older buyers, they ‘smart-sizing’ them about what they found something better want out of their next than downsizing: a “right- rather than just home and provide them downsizing. size” home. with free advice and then “Our priority was not hav- Affordability is a recommend our par ting three levels,” Sue Hanrareal estate agents to big priority before ner han says. “We would have help them find a specific been fine with a one-level and during home.” house with two bedrooms retirement, so Some of Ber nstein’s and two bathrooms, but we people think they clients stay in their same ended up buying a house that region to maintain close also has a lower level with need to downsize ties to friends and family, a third bathroom and the for financial while others are ready to option for a third bedroom.” security, but that’s move someplace where The Hanrahans pur- not always true.” it’s easier to travel and chased their home four experience new things. years ago to be closer to — Mollie Carmichael “We take a personal their two adult daughters. inventor y of what people a principal with The basement level is prihope to accomplish with Meyers Research marily used as a playroom their move, such as reducfor their three grandchiling their commute, elimidren. nating home maintenance or downsizRhea Jacobson downsized once ing to something less expensive so already and plans to downsize a little they can use their cash for something more. Her first move cut her living else,” Bernstein says. space in half. Her next move, into an That evaluation of finances as well active-adult community where she as emotional goals is an impor tant plans to live in a one-level condo, element for buyers and can help will reduce her space by about 150 them decide if they need to move to square feet. a smaller or larger home.

“I love my location, so I am happy Mark Ash, national director of to be moving just one block away,” design at PulteGroup, said consumshe says. “I really want to be all on er research helped it develop floor one floor instead of climbing stairs plans ranging from 1,400 to 3,000 ever y day.” Jacobson is also look- square feet. ing for ward to the social life in the “These new floor plans cater to active-adult community, the yoga all sor ts of buyers, including those room and an indoor swimming pool. who want to downsize, right-size Figuring out where to go and what and upsize,” Ash says. “They’re all to buy for the preretirement-into-retire- single-family homes designed with ment life phase can be complicated by large sliding-glass doors that link finances and careers as well as lifestyle to a covered patio, which addresses choices, says Alison Bernstein, presi- the need for more living space. And

these designs have the flexibility to accommodate families with aging parents or boomerang adults living with them.”

For Kari Peterson, a 62-year-old client who now rents a townhouse, the decision to move was triggered by her realization that her consulting business allows her to live anywhere.

She chose to be closer to her children and grandchildren.

“Having family nearby means a lot to me, but I also don’t want to just follow my kids ever ywhere,” she says. “I like being nearby but not involved in their daily life. I want to be happy in my own life.”

Peterson, who lives about four miles from her daughter, downsized from a larger home in an active-adult community in Atlanta into her townhouse, which has two bedrooms, three bathrooms and a garage.

“I right-sized to where I am now,” she says. “I found it liberating to get rid of things like lawn equipment, a desk and a fire pit. I plan to buy in a year or so.”

The right-size home depends on your family needs, budget and location.

“People need to figure out what they can af ford and what they can find in their market,” Carmichael says. “In Texas, for example, most 55-plus buyers choose something equal or bigger than their current home, but in more expensive markets like California you’re likely to see more people downsizing.”

For the Wohnsigls, the readjustment back to a home that’s more than double their apar tment but about half the size of their original home means sor ting through the belongings the couple had stored.

But they have plenty of time now that their lawn care - and future snow removal - will be handled by their homeowners’ association.

Then again, an active social life with their new neighbors at brunches and wine tastings has already kicked into high gear for the retirees.

Friday, October 11, 2019

ALL THINGS REAL ESTATE 5

BROSHEARS REALTY & AUCTION OAKLAND CITY, IN 812-749-3274 James Broshears Jr., Principal Broker WWW.BROSHEARSREALTY.COM

SOLD!

NEW LISTING!

0-332 Good location at 811 W. College Street in Oakland City. Home has good siding and roof.

Needs some remodeling on inside of home.

Could be nice home for your family! Nice lot.

Only $36,000.

0-337 Living room, 2 bedrooms, kitchen and dining area, bath, nice garage, good size lots in Somerville, Ind.

NEW LISTING!

If you’re thinking of selling your property, we have clients.

0-336 611 Polk St., Oakland City. 2 bedrooms with 3rd bedroom small, one bath. Large kitchen & living room, nice basement, two car garage, nice yard. Some updates: 4/06 new roof decking, 7/07 new furnace and central air, 12/11 new windows, 2013 new siding, gutters & roof; 11/13 UDI-Perma dry in basement.

510 W. Morton Hwy. 64 Oakland City

Call:

Helping people to buy and sell since 1969.

James Broshears, Jr. 812-749-3274

Jerry Basham 812-749-4446

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Friday, October 11, 2019

Voted Knox County’s Best Realtor

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Katie Dewig

Chelsea Meeks

REAL ESTATE

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Friday, October 11, 2019

ALL THINGS REAL ESTATE 7

Refinancing your home loan

BY KATHY ORTON WASHINGTON POST FEATURES

Mortgage rates have hovered near three-year lows recently, leading many homeowners to wonder if now is the time to refinance. I asked Craig Strent, CEO and co-founder of Rockville, Maryland-based Apex Home Loans, one of Washington’s largest independent mortgage banking firms, what they should keep in mind before refinancing their home loan. Our conversation has been edited for clarity and length.

Question: What should I consider when deciding whether to refinance my mortgage?

Answer: Consider how many years remain on the loan you have and how much longer you will stay in your home. From there, look at the costs of obtaining a new loan compared to the amount of interest it will save you.

Be careful not to base your analysis just on the cash-flow savings. Lowering your interest rate but resetting the loan to 30 years without having a plan to leverage the savings on the refinance may cost you more in the long run. A homeowner expecting to move in the next couple of years probably does not need to refinance. Homeowners in adjustable rate mortgage loans and those homeowners with private mortgage insurance may want to take advantage of low interest rates to reset their ARM, move into a fixed rate, and/or remove or reduce their mortgage insurance.

Q: What is the difference between a loan with closing costs and a “no cost” loan?

A: All loans have closing costs, it’s just a matter of who pays them.

There is no free lunch. In a standard refinance, the closing costs - costs associated with establishing a new loan such as appraisal, title and lender fees - are typically rolled into the loan.

An alternative is to opt for a “no cost” loan, which substitutes a slightly higher interest rate in lieu of costs.

This higher rate provides the lender a premium when they sell the loan and that premium is fronted by the lender to pay closing costs on behalf of the borrower. For homeowners who may not remain in their home for many years to come or for those who think they will perhaps refinance again

soon, a “no cost” refinance is a good way to take advantage of lower rates without losing any equity. Any time you can lower your rate and not lose any equity, it generally makes sense to do so. If it’s a long-term mortgage, the “no cost” option will generally cost you more over time than just opting for the lowest rate and paying standard costs.

Q: When should a homeowner consider an adjustable-rate mortgage or ARM? A: The most popular ARMs carry fixed rates for the first five, seven or 10 years and are based on a 30-year term.

Most homeowners choose a 30-year fixed-rate loan given their intention to stay in their home long term, though they often fail to consider how long they will hold onto the mortgage. Refinancing occurs for reasons besides lower rates, including removal of mortgage insurance, pulling cash out for home improvements, debt consolidation and combining a first and second mortgage.

Q: When is private mortgage insurance (PMI) required? How can I avoid it?

A: Private mortgage insurance is generally required when less than a 20 percent down payment is made on a home purchase or when the homeowner owes more than 80 percent of the appraised value (less than 20 percent equity) in the case of a refinance.

There are multiple ways to deal with PMI. Monthly payments is the most traditional. On conventional loans, which are loans backed by Fannie Mae and Freddie Mac, the monthly PMI drops off automatically when the loan balance equals 78 percent of the original value of the home at the time the mortgage was originated.

Homeowners can apply to remove the mortgage insurance sooner if they believe they have achieved 20 percent equity, though those applications are not always approved. Additional options to avoid PMI include paying the mortgage insurance premium in full upfront, accepting a slightly higher rate in lieu of mortgage insurance, or taking two mortgages to avoid PMI. Q: Should I finance the closing costs in a refinance?

A: Most homeowners choose to roll the closing costs into a refinance to avoid having to pay those costs out of

pocket. It’s usually a negligible difference in payment to roll the costs in.

The main drawback of rolling in closing costs is an increase in your principal balance.

Q: Why do I need to set up escrows for taxes and insurance?

A: When refinancing a mortgage, you’ll have settlement charges. There are two separate but distinct categories of settlement charges. The first is closing costs, which are the fees incurred to establish the new mortgage. The second is “pre-paids” or “escrows,” which are the moneys put aside upfront to account for future property tax and homeowner’s insurance liabilities. When you refinance, you establish a new escrow account for taxes and insurance. Once your old loan is paid off, your existing lender will send you a refund of the balance in your old escrow account approximately 30 days after closing.

Keep in mind that you will also skip a mortgage payment in the month immediately following your settlement.

For this reason, it is advisable that you bring the moneys required to establish the escrow account on your new loan to settlement if you can afford it.

Q: What should I consider when pulling out cash as part of my refinance? Will doing so cost me more?

A: If you have the equity to do so, pulling cash-out as part of your refinance can be an attractive option to finance home improvements, consolidate high-rate debt, or finance large expenses, such as college or weddings. Depending how deep into your home’s equity you borrow, pulling cash-out could negatively impact the rate you can obtain. If pulling some cash out will result in having to accept an elevated rate on your mortgage, you may want to refinance first and then add a home equity line of credit to extract equity from your home.

Q: I want a really low rate for my mortgage. How can I time it so I get the best rate possible?

A: Timing your mortgage lock is like timing the stock market, it’s a lost cause. The better approach would be to establish a target rate that justifies the cost of refinancing and then work with a professional that understands

the factors that impact mortgage rates daily to monitor that target rate for you and lock if/when it is achieved.

Q: How can I save on my closing costs?

A: You can opt for a slightly higher rate and a “no cost” option (see above). In terms of specific costs, title insurance can be one of the largest costs when refinancing. Most settlement companies will offer a “reissue” rate on your new lender’s policy of title insurance when you present the owner’s policy of title insurance that you obtained when you purchased your home. This savings can be as much as 30 percent to 40 percent of the premium required for the new policy.

Q: Rates are low. Is it worth it to pay points?

A: Points are essentially an upfront payment of interest in exchange for a lower rate. I’m generally not an advocate of paying points as they add to the sunk costs on a loan and extend your break-even point. Rates are surprisingly low right now. No one predicted they would be where they are and folks who paid points in recent years wasted their money in doing so. Mortgages rarely stay on the books as long as a homeowner thinks they will and paying points further impedes you from taking advantage of lower rates in the future. That said, when considering paying points, the two factors that should be in alignment are that you believe you will keep the mortgage a long time and that rates are at or near historical lows.

Q: Now that I have refinanced and saved money, what should I do with my savings?

A: To really maximize the impact of a refinance, consider redirecting the money you saved into other areas of your financial life. You could expedite your retirement date by adding more to your employer-sponsored retirement plan, establish or increase payments to a 529 savings plan for college, put the proper insurance policies in place for you and your family. If you’ve taken care of all that, you could choose to funnel the savings back into the principal on your new mortgage, pay it down sooner, and save thousands in interest, though of course there may be an opportunity cost in doing so.

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Friday, October 11, 2019

The Tim Mason Team Tim Mason

Jan Mason

(812) 664-0845 timmason@remax.net

(812) 664-2022 janmason@remax.net

See these properties and more online, anytime! www.TimMasonTeam.com NEW PRICE!

1816 Cottonwood Dr., Princeton • $234,700

308 S. White Church Rd., Princeton • $234,900 3 BR, 2BA home on 4.243 acres just outside of town.

Very nice totally remodeled 2-story 3BR, 2.5 BA home

Nice sunroom, spacious kitchen & dining area and large

in Northbrook Hills. Huge great room w/ fireplace. Large

family room. Attached 2 car garage, nice pole building & lot. 3 car attached garage.

second detached garage.

MLS# 201924849

MLS# 201937146 NEW LISTING!

411 W. Walnut, Princeton • $109,500

2477 W. 50 North, Princeton

• Large storage shed

• Nice 3BR, 2BA brick home • 21 acres • Additional 1 bedroom home and 2 Buildings in great condition • Part of property used for established turn-key paintball business also available for purchase

MLS# 201940555

MLS# 201834855

• 3BR, 2BA home w/ large living room • Private backyard • 1 car carport

231 W. Vine Street, Oakland City • $49,500

301 S. Third Ave., Haubstadt • $154,700

• 2BR home w/ large living rm, large dining rm

• Lovely 1.5 story 3BR, 1.5BA home on a corner lot.

• Fenced backyard • Nice out building & carport • Newer roof & A/C • Great location close to OCU

NEW PRICE!

Tim Mason (812) 664-0845 timmason@remax.net

MLS# 201919330 1133 S. 250 West, Princeton • $189,700 Great location right off White Church Road! 3BR, 2BA brick home features an office, spacious great room, large kitchen/ dining area, large attached garage and yard barn. MLS# 201930687

• Huge kitchen.

• 3 car detached garage.

MLS# 201925367 NEW PRICE!

Offices in Princeton and Evansville

214 E. Walnut, Princeton • $74,800 Nice 3BR home with detached garage. The great room and dining room is nice and open.

Per seller updates are: newer roof on house & garage, newer furnace & water heater, new windows and new carpet.

MLS# 201935139

Jan Mason (812) 664-2022 janmason@remax.net

Friday, October 11, 2019

ALL THINGS REAL ESTATE 9

Tim Mason (812) 664-0845 timmason@remax.net See these propertiesand and more more online, anytime!

See these properties online, anytime! www.TimMasonTeam.com www.TimMasonTeam.com

LAND • FARM • COMMERCIAL RESIDENTIAL LAND RESIDENTIAL LAND RESIDENTIAL LAND 400 S. Broadview Circle 701 S. Second Ave. 1137 N. Main St., Princeton Princeton Princeton 7 Acre 38 Acres 15 Acres $14, 500 per Acre $24,987 per Acre $22,500 per Acre COMMERCIAL LAND COMMERCIAL LAND COMMERCIAL LAND 1885 S. 100 West 4370 S. 100 E. 5218 S. 100 E. Princeton Princeton Princeton 34 Acres adjacent to Toyota 35.74 Acres 20.5 Acres $35,000 per Acre $29,869 per Acre $30,000 per Acre LAND COMMERCIAL BUILDING COMMERCIAL BUILDING 1000 US Hwy. 41 S. 1204 W. Broadway, 101 N. Hart St., Princeton Princeton Princeton 5.10 Acres $179,500 $549,000 $34, 314 per Acre FARM FARM COMMERCIAL BUILDING 200 North & 325 West 8300 E. 300 S. 201 E. Broadway, Petersburg Francisco Princeton 195 Acres 65.76 Acres $119,500 $5,200 per Acre $6,399 per Acre FOR LEASE 220 N. Hart St., Princeton $850 per Month

RESIDENTIAL 1644 Hunsaker Rd. Boonville 41 Acres, Home, Lake $820,000 COMMERCIAL LAND 6000 S. US Hwy. 41 North Ft. Branch 39.86 Acres $32,000 per Acre COMMERCIAL BUILDING 1103 W. Broadway, Princeton $194,000 FARM E. Steelman Chapel Rd., Patoka 65 Acres $3,676 per Acre

Ready to buy or sell? Call Tim Mason at (812) 664-0845 or email timmason@remax.net

Offices in Princeton & Evansville, IN

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Friday, October 11, 2019

4 bad reasons to keep clothes in the closet

BY NICOLE ANZIA WASHINGTON POST FEATURES

Fall is the optimal time to clean out your closet, and I’ve been helping a lot of people do just that in recent weeks. I’ve noticed that even when people feel motivated to purge, they still have a tough time par ting with clothes. They’ll often point to one of the following reasons as justification for why they just have to keep a par ticular item.

FOND MEMORIES

Many people will gaze at a dress or pair of shoes and wistfully tell me how they wore the dress on a fabulous vacation or that they bought a par ticular pair of shoes in a special stor e that doesn’t exist anymore — and for those reasons they feel compelled to keep the items. I get it; some belongings ar e special. A wedding dress and one or two other items are cer tainly OK to keep for sentimental reasons, but you can’t keep ever ything just because it reminds you of something. If we took this appr oach to cleaning, we would never get rid of anything. Your memories will remain with you. Focusing on upcoming events and the impor tance of creating space for what you might like to purchase is helpful when you’re attempting to free yourself from old clothes.

WHEN I LOSE WEIGHT

It’s OK to have the goal of losing weight to fit back into a certain pair of jeans, but if you lose weight, chances are that you’ll want to treat yourself to something new. Plus, unless it’s a pair of pants that’s so unusual you can’t find anything similar or a dress that you just can’t live without, I would argue that having a bunch of clothes in your closet that don’t fit might be depressing and counterproductive.

If you want to keep some clothes as motivation, perhaps they can be stored away from your daily wardrobe so you don’t feel deflated each time you see them. Additionally, and depending on how much weight you’d like to lose, it could

Fall is the optimal time to clean out your closet. You should only have pieces in your closets that you’ll actually wear. It makes getting dressed easier and faster. Also, getting rid of the excess can boost your overall attitude toward your appearance. take time before the garment will fit again. You can’t have a whole wardrobe of clothes you’d like to fit into someday taking valuable closet space away from what you wear now.

IT’LL BE FASHIONABLE AGAIN This is hard to argue with, especially when I look around today and see so many reminders of my youth and the trends that dominated the 1980s. But even though styles and cuts of clothing may come back into style, the old pieces don’t always translate to the new look. Updated fabrics and the cur rent fashion scene can make the vintage stuf f look less retro and more just old. And your body will likely change significantly

before the piece is back in style.

It’s so impor tant to tr y clothes on, especially older items, because they may not fit you the way you remember, and it can help you make a more informed decision.

However, there are some items that typically do stand the test of time and are wor th keeping if you love them, such as luxur y brand shoes, bags and accessories.

IT WAS EXPENSIVE It’s easy to feel guilty about having spent money on something that you don’t really like and won’t wear. But the money has already been spent. Keeping something just because you think you should wear it is a constant reminder of the ill-spent money. Better to give

the item to a friend or family member who may enjoy it, tr y to consign it, or just donate it and move on. Who hasn’t made a bad decision in a store and then dithered too long about whether to keep it until it was too late to return? Don’t beat yourself up about it — just let it go.

I’m not in favor of fast fashion and chur ning through clothes ever y couple of months, but I believe you should only have pieces in your closets that you’ll actually wear. It makes getting dressed easier and faster. Also, getting rid of the excess can boost your overall attitude toward your appearance. As is tr ue of all the stuf f in our homes, clothes ar e just clothes.

Friday, October 11, 2019

ALL THINGS REAL ESTATE 11

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12 ALL THINGS REAL ESTATE

Friday, October 11, 2019

What’s the history of your house?

Tracking down details can be rewarding

BY DARA ELASFAR WASHINGTON POST FEATURES

WASHINGTON — When her niece moved to an older home, Elizabeth Ratigan gave her an unusual housewarming gift. Instead of a plant, she presented her with the history of her home.

“You know it makes your house kind of come alive,” Ratigan said. “It becomes more of a person than just a house.”

Ratigan put together a bound book of photographs, documents and newspaper clippings with ever ything she found about the home and the neighborhood. In her research, she learned that her niece’s semi-detached house was built in the 1920s by a family of builders from Anacostia neighborhood.

“My niece’s house was owned by a woman who was a teacher in D.C. schools and who was very instrumental in campaigning for pensions for teachers. In fact, there is a school named after her today,” said Ratigan.

The house’s first owner was Anne Beers, the namesake of Beers Elementary School in Southeast Washington.

“Cleveland Park and other suburbs going north were becoming more popular because you didn’t have to have horses and buggy and all of that for transpor tation,” Ratigan said of the house’s location.

Ratigan’s research started by finding the building permit, commonly referred to by historians as the house’s birth certificate. Uncovering that onepage document is like winning the lottery, said Jerry McCoy, a special collections librarian in the Washingtoniana Division of the D.C. Public Librar y’s Mar tin Luther King Jr. memorial branch and the Peabody Room at the Georgetown branch.

This document describes how the house was built, its dimensions, the builder and, more importantly, the first owner. McCoy said that to this day, it pains him that he has not found the original building permit to his 1921 bungalow in Montgomer y County’s records. Building permits can be found at either the county or state archives.

Photo from Getty Images

Anne McDonough, the librar y and collections director at the Historical Society of Washington, uses the library’s database to find building permits in D.C. Even without a permit, there are various ways to track down information about a house.

“Tax assessments records is another great resource. Those are going to be tracing the owners of the house,” McDonough said. “Once you have found evidence of somebody who lived in your house, you can easily look them up and trace them through time.”

Looking through back issues of The Washington Post and Washington Star, Ratigan found advertisements the family placed to rent rooms in the house. That suggested to her the Beers family may have had financial troubles and may have made changes to the home to accommodate tenants. At this point in her research, she realized she was spending more time researching the family than the house. When she learned the builder was a fireman, she was curious whether he fought any interesting fires. At one point she went to a graveyard to see whether any of the Beers family was buried there.

“I think any kind of historic research takes you down various paths,” she

said. “And there comes a point at which you have to say, okay look, this is just a house history. This is not the history of the entire Beers family.”

When researching a house becomes overwhelming or you get stuck, a professional can help. Although not inexpensive — fees can run at least $2,500 — the expertise can uncover information you might not find otherwise.

Carlyn Swaim, vice president of exhibits and interpretive planning at History Associates, says her company helped a client restore family letters she found in her home in Washington that dated to the Civil War. “Ultimately, it’s often not the house with the compelling story, but the former residents inhabiting it. We are experts at uncovering the photographs, documents, deeds, maps, and stories of past occupants to keep the memory of bygone Washingtonians alive,” Swaim wrote in an email.

Michelle Carroll and Nina Tristani star ted N&M House Detectives in Washington about five years ago after researching the histor y of their own homes. They have uncovered the histories of about 30 houses and recently branched out to businesses.

“We get ver y wrapped up in these houses,” Carroll said. “Sometimes we get

more excited than the homeowners.”

They discovered that an owner of a house was the doorman at Ford’s Theatre the night President Lincoln was shot. Another house they researched was listed in the Green Book, a book used by African Americans when traveling in the Jim Crow South.

Carroll and Tristani, who spend about six weeks on each house, have uncovered the histories of more recent houses as well.

“Even if the house was built in the 1980s it still has a history to it, a history to the land,” Tristani said.

Copies of whatever documents they find related to a house are given to the homeowner. Some of those documents — such as the original deed — and photos are included in the hardback, glossy-page cof fee table book they present to their clients. Their $750 fee includes one copy of the book.

The Historical Society of Washington offers workshops in house history research with tips on how to find photographs, look through real estate atlases and track down an architect of a certain neighborhood.

“There is not one repositor y that has all the information you need; each one of the local histor y repositories will have a key, but to get the full set you’re going need to go ever ywhere — here at the Washington Historical Society, to the Washingtonia division of the D.C. Public Library, the National Archives or the Collector of Deeds,” McDonough said.

She r ecommends r esear chers decide beforehand how much they want to know. Ratigan’s gift to her niece took her about a year on and off to compile. It was a side project she enjoyed coming back to — so much so that it made her hungr y for more house history hunting. Today she volunteers at the Washington Historical Society providing research resources for Washington residents.

“I don’t think (the histor y of her house) was something that (her niece) ever really thought about,” Ratigan said. “It’s not a gift that one usually receives, but I think it is very interesting to learn about.”

Friday, October 11, 2019

ALL THINGS REAL ESTATE 13

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14 ALL THINGS REAL ESTATE

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ALL THINGS REAL ESTATE 15

Easements protect historic buildings, but at what cost?

BY NINA ZAFAR WASHINGTON POST FEATURES

WA S H I N G T O N — G a b r i e l l e Chodes owns a condo in a historic four-unit building in Nor thwest Washington’s West End neigh borhood. She is happy the circa1896 building has a preser vation easement with the L’Enfant Tr ust because she agrees with the trust’s mission of protecting historic buildings. The trust holds conservation easements on more than 1,100 historic proper ties in the District of Columbia.

“I wish D.C. would encourage more proper ty owners to put their buildings into a similar status in order to protect the character of the city,” Chodes said.

Many homeowners may not be familiar with easements, but they’re often an essential par t of a historic house.

A preser vation easement is a voluntar y legal agreement between a homeowner and a preser vation organization that ensures a property’s historic character is protected.

The easement remains on the proper ty regardless of who owns the proper ty after it’s put in place.

Easements can be a useful preser vation tool for both par ties — the owner who donates cer tain rights to an easement-holding organization, as well as the preser vation organization. By having regulator y control over changes that can be made to a building, a preser vation organization helps maintain a city’s architectural heritage. The property owner benefits from the federal income tax deduction for the value of the easement. Federal estate taxes may also be reduced.

Accor ding to Ross Bradfor d, deputy general counsel at the National Tr ust for Historic Preser vation, though the tax incentive is significant, most homeowners are concerned foremost about safe-

Photo by Getty Images

guar ding their house’s historic integrity.

“Most people see the easement as a way to maintain that proper ty after they’ve passed away or after they sell the proper ty,” he said.

“They know that it’s protected and won’t be changed and altered in a way that would be detrimental to its historic significance.”

Chodes recalls two Civil War-era rowhouses that once stood on her street. Neither had a historic easement, which allowed developers to demolish them and replace them with new, much larger buildings.

“The message seems to be that owners in huge new buildings can live in a lovely, historic neighborhood — but the ef fect is to change that neighborhood,” Chodes said.

“If you star t losing one, two, three houses, all of a sudden you do not live in a neighborhood of lovely, old buildings. So, I think it is ver y impor tant that ever y house be valued since par t of the charm comes from seeing them all together, as a neighborhood, as representative

of a dif ferent era, but still useful today.”

While Bradford echoes Chodes’ emphasis on the impor tance of neighborhood charm, he says preser vation can also lift proper ty values.

“If you have enough of these easements in a location, and the area is not already locally regulated, you maintain the integrity of the historic character of the neighborhood and generally speaking, that sor t of integrity increases proper ty values,” he said. “You don’t have a lot of insensitive alterations made to the buildings, and there’s a lot of local character.”

Easement-protected properties come with r esponsibilities and restrictions. Hannah Bergman lives on Capitol Hill in Washington and owns a rowhouse built in 1907. Because the previous owners donated it to the L’Enfant Tr ust, she gets none of the tax benefits, but is responsible for the costs of maintaining the proper ty.

“At the time I purchased the

house, I didn’t fully grasp what that would mean, and it’s cer tainly been a challenge to adapt my budget to the requirements any time there’s a renovation necessar y,” she said.

Bergman, who loves old homes and purposefully bought one with its original features, said she would have purchased the home regardless of the easement. But she now understands better what owning such a home entails. She said she normally wouldn’t have purchased the expensive vinyl windows that her home’s easement required.

“The most impor tant thing to consider is what renovations you plan to do and how the easement rules will af fect your budget, especially if you’re purchasing a proper ty after the donation has been made,” Bergman said.

Because of the various restrictions on easement-protected homes, the argument can be made that easements aren’t beneficial for proper ty value. Lauren McHale, president and CEO of the L’Enfant Tr ust, agrees with Bradford that maintaining historic charm is positive for a community, but she’s hesitant to say it increases proper ty values.

“If you look at it on a real individual basis, if you take two identical rowhouses and one has a conser vation easement on it and one does not, and they’re both for sale, a potential buyer is probably going to buy the one that doesn’t have an easement on it,” McHale said. “(An easement) is an added burden to the proper ty. If they want to replace their windows, if they want to repaint their house, if they want to build an addition, if they want a fence around their yard, they have to come to us for all of that.”

Easements are not for ever yone.

They are not for homeowners who SEE ESTATE/PAGE 30

16 ALL THINGS REAL ESTATE

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ALL THINGS REAL ESTATE 17

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Friday, October 11, 2019

The leak’s been fixed. So why does it still smell like mildew?

BY JEANNE HUBER WASHINGTON POST FEATURES

Q: Earlier this year, a downspout came loose, and water infiltrated my condo bedroom. It took the property manager 3 1/2 months to repair it, so a lot of water came in. After the repair, I waited five months for the walls to dry out, during which there was a strong mold/mildew smell. When I brought in a plasterer, he removed the damaged plaster. A worker applied a white sealant, Zinsser Odorless Oil-Based Stain Blocker, and returned to spray mold/mildew killer. That was five weeks ago.

After a few days, the smell was still as strong as before, so I bought the same product - it smells like Clorox - and sprayed the walls every third day. The mildew smell lessened only a small amount. I found a recommendation online to apply vinegar to kill the odor. I have done that three times over the past week.

The smell has lessened a bit, but I worry that if I proceed to get new plaster and paint, the mold/mildew will come through. How should I eliminate the odor?

A: Hire a licensed mold assessor to test your walls and the air to make sure the underlying issue - excessive moisture - has been addressed. A persistent smell hints that mold or mildew (the term for specific kinds of mold) may still be growing because moisture levels are high.

If you were to hire a company that does assessments as well as remediation and were told more remediation work needs to be done, you may wonder whether the advice was just a way to drum up more business. So hire a company that does mold assessments but not remediation work, suggested Joe Mulieri, owner of MoldGone in Silver Spring, Maryland. He said an assessment might cost a few hundred dollars.

Assuming you aren’t seeing any mold now, the smell could be coming from inside the wall cavities, perhaps

Photo by Getty Images

within insulation stuffed into the walls, with the smells then wafting into the room through gaps around trim and between the walls and flooring. These air gaps could also be allowing warm, moisture-laden air to settle on a cold surface, where it condenses and raises the moisture level enough to support mildew growth. If the room didn’t have a moldy smell before the gutter problem, it’s possible that 3 1/2 months of leaks soaked the insulation enough to compress it, allowing condensation to occur where it wasn’t an issue before.

Or mildew could be in the ceiling or the floor, perhaps in carpet padding.

If the walls in your condo were covered in drywall, the best solution prob-

ably would be to remove the damaged materials, see what’s going on inside the wall and start fresh. Replacing drywall makes sense because mildew can feed on the paper that covers both sides of drywall’s gypsum core and because drywall is relatively inexpensive to replace.

Plaster, however, is less prone to harboring mildew because it doesn’t provide food for mildew, and it is more expensive to replace. “Plaster is more dense and less absorbent than drywall,” Mulieri said.

Although it’s sometimes necessary to remove plaster to address hidden issues, it’s often sufficient - once a leak is plugged - to go with the procedure

your plasterer used: scraping off the outer layer, then apply an encapsulant.

Mulieri said he uses AfterShock, a sealant produced by Fiberlock Technologies that was designed to disinfect surfaces and prevent mold from regrowing.

Many contractors, like yours, encapsulate by using a less-expensive oilbased sealer, such as Zinsser Odorless Oil-Based Stain Blocker or Kilz Orignal.

But if you read the technical documents for these products, they don’t mention using them to encapsulate mildew. The Zinsser product sheet says only that it blocks stains from water, fire and smoke damage, while the Kilz sheet says it blocks stains from a longer list of sources and “seals pet, food and smoke odors.” There is no mention of mildew with either product.

That said, it’s possible that if the moisture issue has been corrected and the visible mold cleaned up, you could be ready to have the plaster repaired and painted. To know for sure, arrange for a visit from someone who understands mildew issues and can test the air and surfaces. There is no way to eliminate mildew - spores are always in the air - but the testing should reveal whether the wall and air have elevated levels.

There is a lot of confusion about how mildew grows and the risks it poses.

People often focus on “killing” mildew by spraying it with bleach or similar products. But that kills only mildew hit by the spray.

And if you inhale dead spores, the health risks are the same as if they were alive. That’s why the Environmental Protection Agency’s advice for do-it-yourself mildew cleanup focuses on wiping away mildew, using just water and detergent, on hard surfaces.

The EPA says consumers can generally clean up moldy areas of less than 10 square feet by following its safety advice, which you can read by typing “mold cleanup in your home” into the search box at EPA.gov. For larger areas, it recommends getting a pro one that is licensed.

Friday, October 11, 2019

ALL THINGS REAL ESTATE 19

Real Estate Transfers GIBSON COUNTY SALES REPORTS

III, 4669 East Dead Level Road, Hazleton,

White Bink LLC to Jerry and Teresa Overton, 2502 West Susan Drive, Princeton,

$215,000

$18,900

Jeremiah and Kelly Harris to Gregory Rockett, 110 South Campbell

White Bink LLC to Big Creek Farms Inc., 2550 West Susan Drive, Princeton, $0 Timothy Martin to Misti Bell, 214

Jeffery Barnerd to Stephen and Janet Akins, 67 East 200 South, Princeton,

West Walnut, Princeton, $74,900

Gary Harper Trust to Roy and Pamela Moore, 811 West College Street,

$156,500

Thomas Lashbrook by Ann Ice Personal Representative to Donald and Lisa Graper, 4914 South County Road

Blvd., Haubstadt, $185,000

350 East Princeton, $475,000

Avenue, Princeton, $132,000

Brian and Ranell Rexing to Lewis Enterprises LLC, 107 South McCreary, Fort

Kim and Mary Glavich to John and Gayle Stevens, 5633 South Ind. 57

South Mill Street, Owensville, $79,900

Branch, $52,300

Oakland City, $80,000

Ind. 57 Oakland City, $35,000

4151 East 625 North, Patoka, $75,000

John and Carolyn Pyle to Happy Dwellings LLC, 302 W. State Street/West

Clint and Megan Campbell to Nicholas and Andrea Michel, 2990 West

Dennis and Karen Burns to Melissa Blackburn, 1191 South Hoot Owl Lane,

Shawn and Jessica Kruse to Heath and Megan Howington, 706 Laurel Ridge

Street Princeton, $105,000

Ind. 68, Haubstadt, $380,000

Princeton, $110,000

Court, Haubstadt, $312,000

Bert and Yvonne Brittingham Life Estate to Treasurer Gentle Shepherd Church of God Inc, 8288 East 350 North

Barbara Wallace to Amanda Wojciechowski, Princeton, $89,900 Charles and Doris Egnew to Nicholas Maynard, 605 East Eisenhower

Mary Faith to James and Hyacinth Bickel, 1507 Hawthorne Court, Princeton,

Timothy Bottoms to Branch Banking and Trust Company, 1204

$235,000

South Prince Street, Princeton, $63,750.

Timothy Bottoms, Sheriff of Gibson County, to Elberfeld State Bank, 265 East 925 South, Haubstadt, $725,000 Timothy Bottoms, Sheriff of Gibson County, to Fifth Third Bank, 840 East State Street, Princeton, $28,642.

Francisco, $45,000

Frederick and Jonelle Tenbarge to Vertical Properties LLC, 3022 West Ind. 68 Haubstadt, $170,000.

Vinnie Scamman to Tyler Cushman, 1012 South Center, Fort Branch, $117,311

Jeffrey Thompson to Tristan Hope, 4737 North 775 East Francisco, $78,000.

Brian and Julie Stallings to Kimberly Carlile and Michael Hormick

Donald and Shirley Fritz to Jonathon Harper, 308 West Makemson

Lane, Haubstadt, $35,000

Sara Elliott to Mark Seibert and Abigail Hollis, Fort Branch, $123,900 White Bink LLC to Big Creek Farms Inc., 2533 West Susan Drie, Princeton, $18,900

Robert and Mary Fichtinger to Timothy and Sabrina Martin, 101 South Polk, Fort Branch, $169,900

Arthur and Charlene Nichols to Rodney and Ebra Rodriguez, 1245 South 50 East, Princeton, $525,000

David Evans to Woodrow Tindle, 305 William Atkins to Adam Poole, South

Allen and Deborah Grau to Sara and Chelsea Elliott, 11868 South 150 West Haubstadt, $335,000

Garren and Kimberly Hill to Matthew and Jenny McDaniels, 602 Kennedy Drive, Princeton, $157,500

DeWayne Dyson to Dwight Smith, 1426 East Taftown Road, Princeton, $30,000 Jason Brucks to Martha Ardis, 525 North Race, Princeton, $18,000

Oakland City, $28,000

Bradley and Casandra Anders to Jeffery and Kristina Barnerd, 262 East 780 South, Fort Branch, $270,000

Tony Schroeder to Larry Chandler,

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Friday, October 11, 2019

Real Estate Transfers Chris Marsh to Michelle Straw, 417

ESTATE

East Pinkney, Princeton, $79,900

Larry Chandler to Patricia Mullican,

Pamela Jean Beard Williams, Todd Cundiff, personal representatives, to Kenneth Yeryar, 560 Meadowlark Drie, Princeton, $130,000

Vine, Fort Branch, $100,000

Betty Lucas to Miriah and Aaron Logan, 601 South Gibson, Princeton,

FROM PAGE 19

223 South Race, Princeton, $79,900

Kelli Leavens, Ind. 57 Patoka, $275,000 Warren West to Jennifer L. Campbell, 1386 East Taftown Road,

Fred and Devon Kuester and Bernadine Read to Bred and Martha Kuester, South 175 East, Fort Branch,

Joshua Jones and Alodie Findley to Darrell and Rebeca Richrdson, 802

Franklin Douglas Estate to Cody and Shelden Ferguson, North Carithers Road,

North West Street, Princeton, $88,250

Princeton, $57,500

$125,714.

Virginia Rogers Trust to Brian and Patty Terry, 1912 East Taylor Avenue,

Twilla McConnell to Timothy and Ann Skipworth, 1054 South Old 65,

Princeton, $146,500

Princeton, $148,000

Jeffrey Nurrenbern to Michael and Katherine Oesterreich, East Poplar Street,

Jerry West and Keith Fisher to J. Koberstein Construction LLC, 202 South

Fort Branch, $195,900

Seminary, Princeton, $129,500

Morgan Young to Nathaniel and Abby Doyle, 6689 South 950 East, Oakland

Jerry West and Keith Fisher to J. Koberstein Construction, 127 East

City, $90,500

Monroe, Princeton, $129,500

Joseph and Harry Degenhart to John Small, 109 North Tennessee Street,

Kayce Bartell to Tyler and Kylie Windes, 617 North Main, Princeton,

East Water, Princeton, $9,975

Hazleton, $22,000

$142,500

Kenneth and Heather Popp to Brian and Jennifer Stallings, 265 South 1225

Kenneth Yeryar to Jacob and Sarah Bradley, 2308 East Top Hat Road, Princeton,

Betty Lou Harper to Martin Montgomery 322 South Gibson,

East, Oakland City, $155,000

$199,900

Oakland City, $137,200

Kelly and Melissa Foster to Jeffrey and Laura Nurrenbern, 12936 South

John and Ruth Dyer to Robert and Heather Beadles, 830 South Deerhaven

Sunset Drive, Haubstadt, $239,900

Drive, Princeton, $230,000

Edwin and Dorothy Weber to Kurt Kramer and Brandi Wagner, 306 East

Andrew and Jamie Braun to Kyla Krieg and Rodney Dowell, 815 South

Princeton, $0

Tony and Sara Dillon to Shawn and Jessica Krust, 12859 South Scottsdale Drive, Haubstadt, $427,000

Brian and Patty Terry to Bradley Terry, 1033 South Stormont, Princeton, $95,200

Celesta Thompson to Fred Kuester, South 175 East, Fort Branch, $62,857

Paul D. Henson Estate to Kathy Lance, 123 West Elm, Oakland City, $20,000 Ronald and Kathleen Hudson to Christopher and Jennifer Steward, 609 Cardinal Drive, Patoka, $20,000

The Money Source Inc. to Bert and Yvonne Brittingham, 206 East Main, Francisco, $35,000

Bonnie Cain by Amy Hill and Audrey Williams, AIF to Patricia Vanoven, 916 South Hall, Princeton, $95,900

SPM Development to Garren and Kimberly Hill, 405 West Garfield Avenue, Princeton, $155,440

Fannie Mae to 2019 Castle LLC, 612

Jeffrey R. and R. Star Black to Amy Jeffrey and Judith Blaydes to Joshua Greene, 107 East Spring, Patoka, $2,500 Morgan, 126 West Oak, Oakland City, Dusty and Kristofer Wilhite to Tyler $55,000 and Adrienne Brengman, 481 North Ellis Estates LLC to Bobby and Sara Malone, 516 East Brumfield, Princeton, $142,500 Spore Drive, Princeton, $350,000

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Friday, October 11, 2019

ALL THINGS REAL ESTATE 21

Real Estate Transfers Concord Drive, Princeton, $212,000

Richard Antrim to Brian Block, Ford

Eric Cook to Shawn Bottoms, South Vincennes lots 92 and 93

Road, Hazleton, $16,500

Kaleigh B. Parrish to Gary L. Johns,

Addition lot 209

City of Bicknell to Bicknell Bulldog Development Corporation, Wamplers

Alan Rex McGuire and Lisa Lynn McClure to David Adam Roach, Emison Addition, Busseron Township lot 21

50 off SE side of lot 421, Old Town et al

First Addition lot 7

Old National Wealth Management trustee, Margaret N. Taylor Trust and

City of Bicknell to Bicknell Bulldog Development Corporation, part SW ¼ NW ¼ section 21, T4N, R8W

Elberfeld, $45,000

Margaret N. Taylor Family Trust to Brady Development LLC, lots 1 and 2 Ball Park Addition, Bicknell

Estate of Marethea Elizabeth Davis to Lance Davis, 2350 West 50 North,

Vinod C. Gupta to Carl Liggett and Leona Liggett, part don 108, T3N, R8W,

31 division A

Princeton, $90,000

Steen Township

Ronald and Patricia Campbell to Megan and Ronald Campbell II, West

Jason Eric Thompson to Robert Derek Hedge, part don 99, T4N, R9W,

division B

300 South, Owensville, $80,000

Washington Township

Deckard, Harrison’s Addition lots 161 and 162

Kenny Griffin to Brian and Amanda Miskell, 5661 West 500 North, Patoka,

Levi C. Holscher to Sherman J. Liechty Trust and Elizabeth Gayle Liechty Trust, part of fraction section 19-20

Thomas W. Baker and Diana L. Baker Ryan Keith Guy to Jonna Leigh Guy, to Thomas W. Baker and Diana L. Baker, part lot 1 fraction section 3, T2N, R10W,

Paula Eagan Estate to Jamond Heldt, 6837 East 400 North, Francisco, $90,000

Paula Eagan Estate to Draven and Cady Pancake, 10343 South Ind. 57,

$4,000.

T1N, R10W et al

KNOX COUNTY REAL ESTATE TRANSFERS

Brian M. Kirwer and Brittney D. Kirwer to Beard Holdings LLC, part UPS

4, T3N, R10W, city of Vincennes et al

Amber Nicole Cummings fka Amber Nicole Kincaid to Cynthia Ann Wagoner, part don 23, T3N, R10W,

Vincennes Township

Larry F. Holscher and Kathy A. Holscher to Elizabeth Gayle Liechty Trust and Sherman J. Liechty Trust, part of section 20, T1N, R10W

City of Bicknell to Bicknell Bulldog Development Corporation, Eastside lot 68

City of Bicknell to Bicknell Bulldog Development Corporation, Oak Hill

Pamela Garrison to Jerry L. Neighbors, Edw M. Schmidt’s lot 10 part lot ELMSO LLC to Voyles Properties LLC, part lot 44, Vincennes Commons Lands G&R Trash Service, LLC to Kyle D.

part lot 182 Vincennes Commons Lands division B, T2N,R10W, transfer on death deed

Ronald B. Small to Jill A. Adams,

Sherwood N. Hicks Jr. and Sandy G. Hicks to Mark A. Rethlake, part lot 8, Freelandville

Mark A. Bilskie to Kaye Ellen Rish, Pickels Addition lot 8

Bradley Joseph Ruppel, personal representative and Thomas J. Ruppel Estate to Bradley Joseph Ruppel, LaPlante and Joice First lot 2 Cheryl A. Pryor to Frank E. Hambrick and Delinda S. Hambrick, Wright’s Addition lot 7 and 8

Johnson Township

Brad D. Pfoff and Matthew L. Hand and Tammy S. Hand, part don 119 and

Monroe City lot 49

122, T4N, R9W, Washington Township

Marilynn Westfall to the Vincennes University Board of Trustees, Old Town

Vincennes First Christian Church to Vincennes Community School Corporation, part UPS 16 and 17, T3N,

lot 50

Andrew D. Wagner and Elizabeth R10W et al N. Wagner to Andrew D. Wagner and Bradley F. Clark to Bradley F. Clark Elizabeth N. Wagner, Fox Ridge Subdivision SEE ESTATE/PAGE 22 section 1, lot 4, transfer on death deed

22 ALL THINGS REAL ESTATE

Friday, October 11, 2019

Real Estate Transfers Soultz to David Scott Holland, Old Town

ESTATE

lot 51 and 52

and Ashley S. Clark, part SE fraction ¼

Malcolm E. Dubbs Jr. and Ruth R. Dubbs to Malcolm E. Dubbs Jr. Revocable Trust and Ruth R. Dubbs Revocable Trust, Teschners Terrace lots 2

section 23, T5N, R9W, Widner Township et al

and 3

FROM PAGE 21

Jerry R. Coonrod and Georgianna L. Coonrod to Victory Tabernacle of the Apostles Faith Inc., Cochran’s Addition lot 122

Kenneth W. Tromley, Laura Hazelman, Susan Hedge, Brian Tromley, Denise Obermeyer, Amy Tromley, Marilyn Ann Redmon, Lawrence J. Schmidt, Kathryn Ann Anglin and Lisa Ann Smith to Cary Michael Keller, part survey 31, T2N, R10W, Johnson Township et al Robert D. Curry to John L. Curry, part fraction 35, T3N, R10W et al

Derick D. Donovan to Derick Donovan Trustee and Derick D. Donovan Trust, lot 5 Northfork Estates

Janet K. Young to Clark and Clark Farms Inc., part survey 29, T2N, R9W Frank Frisz and Theresa Frisz to Mauro Martinez, Manufacturers Subdivision lot 39

April D. Lewis to Kenneth F. Lewis, Piepers Henry lots 7 and 8

Janice K. Boyles to John M. Organ, Whitson Heights Subdivision lot 6

Amanda M. Wojciechowski to Jason Deffendoll, lot 58 Daleview Estates section 111

Linda Jean McMillan and Paul L. McMillan Jr. deceased to Stacey Ann McMillan and Anthony Paul McMillin, part NE ¼ NW ¼ section 21, T4N, R8W

Subdivision, Vincennes Township et al

Linda Jean McMillan to Stacey Ann McMillan and Anthony Paul McMillan,

Elaina W. Lavely to Joel Matthew Freund, part survey 17 and 19, T2N, R10W Rodney J. Soultz and Veronica L.

Tolson and Davis Subdivision, lot 4, part UPS 12, T3N, R10W Lester L. Martin, Sherman D. Martin,

Mona G. Noonan and Quentin C. Martin to David E. Neidige and Mary Jo Neidige, part lot 110, Edwardsport

Trustee, Tamara Small Evans Trustee and The Evans Family Living Trust, part location 103, T2N, R8W et al

Tabitha L. Dunn and Caleb E. Dunn to Simon Willis and Duangsuree Willis,

Knox County Sheriff and Christopher D. Pavelka to Gary R. Goodman, condo unit 1 Fox Ridge Links

McCarthy Subdivision lot 4, part lot 3

Brock D. Goodman and Sarah Anne Goodman to Brock D. Goodman, part don 27, T3N, R9W, Palmyra Township

Elmer E. Dobson Jr. to Mitchell A. Bath, Forest Park lots 55-57 Beverly D. Thomas to Beverly D. Thomas Trust, part lot 127, VCL division A, T3N, R10W

John Scarff to Bradley A. Bolenbaugh and Shannon J. Bolenbaugh, Aliceville lots 3 and 4 Kathryn Anglin to Jessica E. Guerrettaz and Nicholas Anthony Guerrettaz, Memerings Third Subdivision,

Condo Association

Knox County Sheriff and Bonnie E. Cooper to Daniel Provines and Karen Provines, part don 1, T3N, R10W Diana S. Russell, Tina M. Beaman, Douglas K. Stafford, Dexter K. Stafford and Dennis K. Stafford to Daniel K. Stafford, NW ½ N ¼ don 104, T3N, R8W et al

Doris A. Davis to Three D Holdings LLC, part NE fraction ¼ fraction section 14, T1N, R10W et al

Richard L. Stevens to James Watjen and Meaghan Watjen, lot 6 McCord and Bayard’s Addition

Jacquelyn M. Sievers, Raymond M. Sievers and Jacquelyn M. Sievers to Raymond M. Sievers and Jacquelyn M. Sievers, multiple properties, NE ¼ NW ¼ fraction section 31, Tamara Small Evans Trustee and The Evans Family Living Trust, N ½ SE ¼ NE ¼ section 23, T2N, R10W, Johnson Township et al, transfer on death deed T2N, R8W, et al Douglas E. Vantlin and Cathy L. Thomas L. Evans, Tamara Small Evans Vantlin to the Douglas E. Vantlin Trust, and Tamara R. Evans to Thomas Lee Evans

lot 7

Tamara Small Evans and Tamara R. Evans to Thomas Lee Evans Trustee,

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Friday, October 11, 2019

ALL THINGS REAL ESTATE 23

Real Estate Transfers part don 28, T3N, R9W Palmyra Township Mallory Lane to Kids Table LLC, part SE ¼ section 22, T2N, R8W et al Sydney Lane to Kids Table LLC, part SE ¼ section 22, T2N, R8W et al Kelsey Meyer to Kids Table LLC, part SE ¼ section 22, T2N, R8W et al Cal Meyer and Kids Table LLC, part SE ¼ section 22, T2N, R8W et al

Thomas J. Kirchoff and Terry R. Kirchoff to Kent A. Mundy and Kelly D. Mundy, part SW ¼ SW section 5, T5N, R8W Widner Township et al

and Miranda Lee Ann Harrell, part lot 45, Freelandville and Ritterskamp’s Addition Douglas J. Fehlinger and Janice E. Fehlinger to Jamie Fehlinger Fredrick and Stacy Wilson, NE ½ of lot 75 and part of SW ½ lot 76, Vincennes Commons lots division B

Knox County Sheriff and Jerry Pemberton to Federal Home Loan Mortgage Corporation, South Park

Subdivision lot 96, part UPS 14, 15 and 16

Bruce Kirchoff personal representative and Ona L. Jordan estate to Ona L. O’Dell estate, John Chuang and Lani Chuang, part lot 262 Old Town, city of Vincennes

and 119

35, Freelandville

Donald Cook and Lisa Cook to Khoi Quang Duong and Ngoc Lam, Williams

Eric Coats to Charles J. Mauer and Chelsie E. Mauer, part SE ¼ NE ¼ section

Subdivision lot 6

16, T4N, R8W, Vigo Township

Ronald E. Thomas and Betty L. Thomas to Thomas Family Irrevocable Trust, Four Lakes Third Subdivision lot 29 Sheila J. Cates and Gary R. Cates deceased to Sheila J. Cates Irrevocable Trust, Martin’s Addition lots 5 and 6 Patricia Lynn Walker to Dillon Read

Town, Vincennes et al

Donald R. Haubeil and Betty M. Haubeil to Carrie A. Clem, Utterbacks

Mark Beard to 1411 Willow Street LLC, part LPS 1, T3N, R10W et al Chester E. Stearns and Chester E. Stearns Jr., Utterbacks Subdivision lots 118

Miller to Deutsche Bank National Trust Company and Morgan Stanley ABS Capital I Inc., Columbis Subdivision lot 217 Knox County Sheriff and Lisa R. Watts to Deutsche Bank Trust Company Americas and Residential Asset Mortgage Products Inc., part lot 407 Old

Fourth Addition lots 47-49, 68-70

Vickie Marie Boultinghouse and Ronald Ray Boultinghouse to Vicki Marie Siewers, part lot 9 Hoffman’s First

Sherwood Hicks and Sandy Hicks to Vernon Daub and Betty S. Daub, part lot

Subdivision

Vickie Marie Boultinghouse and Ronald Ray Boultinghouse to Vicki Marie Siewers, part lot 9, Hoffman’s Subdivision

Bank of America NA to Athena D. Robert Daigle and Daigle Properties Moore, Joice and Risch’s Addition lot 10 to Crystal M. Martin, Buntings Addition Carol S. Myers, Brian J. Myers and lot 4

Dennis D. Ivers, Julie E. Ivers, Maurice G. Ivers and George M. Ivers to R.A.L. Farms, LLC, S ½ of section 29, T1N, R11W et al

Knox County Sheriff and Paul E.

Frederick L. Myers Trust to Margaret S. Myers and Margaret S. Myers Trust, part of SW ½ of NE ½ of don 179, T2N, R9W

Margaret S. Myers and Margaret S. Myers trust to Trace M. Jines and

Karley B. Jines, part SW ½ of NE 12 don 179, T2N, R9W

FLMSM Farms LLC to Trace M. Jines and Karley B. Jines, part of SW ½ NE ½ don 179, T2N, R9W

Georgia K. Spaetti to John W. Gartner, part survey 31 and 32, T2N, R10W Victor J. Klein and Priscilla Klein to Michael S. Allen, lot 1 in McCormicks Subdivision part lot 43 division A plus part of lot 12 Paula J. Adams co-trustee, Pamela J. Jones co-trustee, Robert J. Cardinal trust, Ina M. Cardinal trust and Gayle A. Crockett to John Jude Glass and Sherrie Lynn Glass, part done 120 and 186, T4N, R9W Washington Township Gayle A. Crockett co-trustee, Paula J. Adams co-trustee, Pamela J. Jones co-trustee, Robert J. Cardinal trust and Ina M. Cardinal trust to Curtis Kent Williams, part don 186, T4N, R9W, Washington Township et al Gayle A. Crockett co-trustee, Paula J. Adams trustee, Pamela J. Jones co-trustee, Robert J. Cardinal trust, Ina M. Cardinal trust and Gayle A. Crockett co-trustee to Brad D. SEE ESTATE/PAGE 27

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24 ALL THINGS REAL ESTATE

Friday, October 11, 2019

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323 N. Cherry St., Mt. Carmel

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1031 Poplar Court, Mt. Carmel

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Friday, October 11, 2019

ALL THINGS REAL ESTATE 25

400 Chestnut St. Mount Carmel, IL. 62863 • 618-263-3131

Commercial Listings

202 West 3rd Street

715 Chestnut Street

$89,900

$49,000

117 East 4th Street

1204 Oak Street

$125,000

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26 ALL THINGS REAL ESTATE

Friday, October 11, 2019

Mundy Real Estate has been Wabash county’s trusted real estate service since 1913. All of our agents will be happy to help you buy or sell your house in the area.

Colleen Litherland,Broker 618-263-8602 Georgia Vaught,Broker 618-262-1372

Robert E. Mundy II,President

Verlin Snow,Broker 618-263-8947

Darlene Underwood,Broker 618-263-7569

Dana Magee,Broker 618-263-3131

Kelly Schroeder,Managing Broker 618-263-8946

Michelle Banks,Broker 618-263-8515

Emily Teague,Broker 618-262-8948

Dave Wilderman,Broker 618-263-7795

Laura Wilderman, Broker 618-263-7795

Rosalind Nelson Wrye,Broker 618-262-8353

Josh Mortland,Broker 618-263-8925

Friday, October 11, 2019

ALL THINGS REAL ESTATE 27

Real Estate Transfers

ESTATE

Lawrence J. Cardinal and Lori A. Cardinal to Reginald Sandy, part LPS 1,

Stanczak to Rod Mullins, South Park

T3N, R10W, Vincennes

Mouzin Land Co. LLC to Michael J. Mouzin Revocable Trust, Michael J.

Fourth Addition lots 71-75

FROM PAGE 23

Collene Lee Anna Patten to Susan Pasker and Kevin Pasker, Bicknell

Pfoff, part don 120 and 186, T4N, R9W et al Gayle A. Crockett co-trustee, Paula J.

Freeman’s Addition lots 18 and 19

Mouzin trust and Michael J. Mouzin trustee, N ½ SE ¼ SE ¼ section 16, T1N, R11W et al

James L. Patrick to Jeffrey A. Worland and Donna J. Worland, Old

Michael J. Mouzin and Mike Mouzin to Michael J. Mouzin Revocable Trust,

Town lot 453

Michael J. Mouzin revocable trust and Michael J. Mouzin trustee, part SW fraction ¼ fraction section 36, T1N, R11W Decker Township et al

Adams co-trustee, Pamela J. Jones co-trustee, Robert J. Cardinal trust and Ina M. Cardinal trust to Rick A. Kerns and Brenda K. Kerns, part don 120 and 186, T4N, R9W, Washington Township et al

Knox County Development Corporation to Knox County Development Corporation, part lot 3 fraction section 9, T2N, R10W, Johnson Township

Urban C. Rupprecht and Beverly J. Rupprecht to William Miller Properties LLC, part lot 163 division B VCL, T3N, R10W Jo Ann V. Stevens, Robert R. Stevens and Jo Ann V. Stevens attorney-in-fact to Dennis L. Anthis and Linda S. Anthis, lot 1, 2 UPS 18, 19, T3N, R10W

Jason M. Collins to John Francis Bratton, part of lot 112 Old Town, Vincennes Raymond Hooten to Deborah Tiffany J. Kessler to Jessi J. Thompson, lots 30 and 31 Wamplers Nowaskie, part don 7, T2N, R9W Second Addition Jacqueline Foley and Donald Foley William J. Fox to Kristopher Choate to Christine Nycole Stevens and Roth and Tara Choate,Westside Bicknell lot 49 R and S Farms LLC to John C. Stevens Adam Stevens, part SE ½ SW ¼ section 28, T2N, R8W, Harrison Township et al and James L. Stevens, NW ¼ section 22, Steven E. Howder co-trustee, T1N, R11W, Decker Township et al Cynthia L. Howder co-trustee, Steven E. William B. Jones Jr. and Cecile M. Howder revocable trust and Cynthia L. Jones to Andrew H. Seibert, Fox Ridge Subdivision section 1 lot 10

Tom M. Dailey and Dana Lynn Dailey to Dana Lynn Dailey, Tom M. Dailey and Thomas R. Dailey, part don 3, T3N, R10W PMG Acquisitions, LLC to Patrick M. Carie, lots 308 and 331, Old Town, city of Vincennes et al

Wesley Dwight Roark and Mary Angela Roark to Frederic Lamarche Jr. and Nancy E. Lamarche, Daleview Estates Subdivision section 3A final plat lot 78

Donald W. Berry and Winifred Lee Berry to Donald W. Berry, Winifred Lee Berry, Krista Lee Meyer and Kimberly Jane Lane, part survey 39, T3N, R10W et al

Angela Barmes to Gel Edison Valenzuela and Lyndee Ann Valenzuela, part don 8, T2N, R9W, Second Principle Meridian Harrison Township Terri Legg to Terri Legg, Trena Taylor, Thomas Legg and Timothy Legg, lot 47 LaPlante and Joice’s Second Subdivision

Lynette D. Vogel personal representative and Donna D. Beeson deceased to Angela M. Cambron, Joice and Risch’s Addition lot 30

Diana K. Arnold to Jessica L. Elpers, Baker and Emison Subdivision lot 5 Keevin W. Biggs, Karen L. Sampson, Karleen G. Biggs n/k/a Karleen G. Nichols to Jeffrey A. Worland and Donna J. Worland, part don 36, T2N, R9W et al

Howder revocable trust to Scott A. Haygood, Brandenburgs Subdivision lot 6, lot 52 division A VCL Linda L. Edgin, Deana L. Bottoms, Greg A. Edgin and Michelle A. Tranbarger to Linda L. Edgin and Deana L. Bottoms, part of survey 56, T3N, R10W

Linda L. Edgin and Larry D. Edgin deceased to Linda L. Edgin and Deana L. Bottoms, part survey 56, T3N, R10W David M. Tripp to Stephen W. Coomer and Deborah J. Coomer, Hillcrest Subdivision lots 21 and 22

Timothy E. Skipworth and Ann M. Skipworth to Jourdan Hakes, lot 18 Old Town, Monroe City

Trace M. Jines and Karley B. Jines to Jacob A. Benson, part survey 2, T2N, R9W Body Tanning LLC to B and L Dawson Enterprises LLC, Vincennes Old Town lot 24

Angela Dawn Dreiman to Vickie Jean Neveu and Judy Jo McCoy, lot 2 Johnson’s Addition

LLC, part fraction section 34, T3N, R10W, Vincennes Township

Terrie L. Decker personal representative and Steven L. Decker Estate to Dustin M. Perry, part don 49 and 72, T4N, R9W, Washington Township

Troy A. Woodruff and Melissa D. Woodruff to Michael Ellis Dreiman and Rebecca Dreiman, part of survey 48, T3N,

R9W

T and B Land Company LLC to Paul David Singleton and Barbara Jean Singleton, part don 97, T4N, R9W,

West Est Subdivision phase 1

Washington Township

David L. Miller personal representative, Joyce Mollenkopf

Deeanna J. Haynes to Small Town Homes LLC, multiple properties Jessica Renee Jackson and Sara Rebecca Borders to Rebecca A. Siebe,

David L. Justen to Kimberly Bullock, Stanley Stanczak and Margo

R10W

Jared Wayne Maier and Nancy M. Shoulders Maier to CAST Property LLC, North Park Manors Etta Boberg, Kenneth Ray Boberg deceased and Jeffrey Boberg to Derek Keasling, part SE ¼ of SW ¼ of section 34, T5N, R8W, second principal meridian, Widner Township

Anthony A. Castner and Margaret E. Castner to Hecht Farms LLC, part survey 45, T2N, R10W, second principal merdian, Johnson Township

Grant G. Utt and Julia A. Utt to Travis S. Rogers and Madison L. Utt, lot 28

Stephen D. Fugate trustee and Stephen D. Fugate trust to Nathanial Adam Burton, section 2, Daleview Estates Double H. Enterprises, LLC to ELMSO,

Logan C. Vieck and Hailee E. Daniel Vieck to Jacqueline A. Foley and Donald R. Foley Jr., lot 1 in Graybrook

Johnson Heights lot 22

Judith A. Koby Miller to CAS Environmental, LLC, part UPS 17, T3N,

Addition

T3N, R10W et al

Johnson’s Second Addition lot 4

Janice A. Blubaum, Max E. Barmes and Mary R. Barmes to James L. Sievers and Diane B. Sievers, part of lots 141 and 142, Vincennes Commons lots division B

Susan J. McMillin to Susan J. McMillin, NE ¼ NW ¼ section 9, T5N, R8W,

R10W

Sharon R. Speth to Richard L. Smith,

of Vincennes

Vickie Jean Neveu and Judy Jo McCoy to Angela D. Dreiman and Martin L. Dreiman, lot 1 Johnson’s

Christopher R. Arnold to Stephen Kyle Boatman and Jessica Lynn Boatman, part lot B, part survey 51 and 52,

deceased and Joyce Mollenkopf estate to Benjamin R. Lindsey and Meredith Ann Spitz, lot 51 Herbert J. Bluebaum’s Second Subdivision, Vincennes Township

to Scott A. Hagood, part lot 443, Old Town Tax Lien Strategies LLC to Bailey Elise Niehaus, part UPS 4, T3N, R10W, city

Anson Grain and Livestock Inc. to DME Anson Farms, Inc., part don 31, T3N,

Tewalts Subdivision

Evelyn Imogene Luzzi, Helen May Carroll, Rosalie Ann Hedge, Sandra Kay Hittle, Berl Lennis Adams and Tamer Lee Adams to Darrell O. Adams, lot 2 fraction section 36, T2N, R9W et al Victor J. Klein and Priscilla A. Klein

transfer on death deed

Eastgate Second Subdivision

Nathan A. Rupprecht to Paul D. Glosser and Michele L. Glosser, Government Subdivision

Nancy D. Smith aka Nancy D. Stem to Kevin J. Pasker and Susan A. Pasker, part NE ¼ NW ¼ section 21, T4N, R8W

Governing Board of the Knox County Hospital dba Good Samaritan Hospital to Old National Bank, multiple properties

Lawrence Cardinal and Lori Cardinal to Sabrina C. Raney and Justin S. Johnson, Lost Acres Subdivision Stephen D. Combs and Erica L. Combs to Stephen Bruce Duke and Shea Nicole Duke, Bartlett Farms Subdivision lots 3 and 4, part don 24, 25, T3N, R10W Knox County Sheriff, Virginia Reynolds, Virginia R. Reynolds, Sheldon P. Reynolds and Sheldon Reynolds to Paul R. Powell and Monical L. Powell, Manufacturers Subdivision

Myra E. Smith to Elizabeth J. Brand, condo unit 10-B, Franklin Commons Condo Phase II

Steven D. Turney to Sarah E. Turney, Malotts Addition lot 16

Denny Slater to Raymond Hooten, SEE ESTATE/PAGE 28

28 ALL THINGS REAL ESTATE

Friday, October 11, 2019

Real Estate Transfers

ESTATE

Donald G. Brown and Carolyn R. Brown to William T. Byrer and Karen D. Byrer, part of lots 13 and 22 in Ritterskamp

Corder, Willys Addition lot 68 Donald Scott Vermilya to Jason C. Fossmeyer and Stesha L. Fossmeyer,

Burnett Heights Extension lot 5

FROM PAGE 27

Addition

Hillcrest Acres Subdivision lot 4

Rhonda L. Carie and Kimberly Colyer to William Helderman and Elaine Helderman, condo unit 13A

Rita K. Reel to Jason Edward Meuser and Michelle Leigh Meuser, part don 61

representative and Daniel Ivers deceased to Jarold L. Evans and Angela N. Evans, Lewis H.R. Longsdorff, lot 15, Vincennes Commons lot 60 division A

Franklin Commons Condo Development Phase I et al

Knox County Sheriff to Christopher A. Ramey and Jackson E. Niehaus, part

Mitchell J. Byrd and Molly F. Byrd deceased to Mitchell J. Boyd, part of SE

lots 86, 87, 89 and 90, Vincennes Commons Lands division B T3N, R10W et al

¼ of NE ¼ section 32, T2N, R8W

Sandra Beaman to Harley Beeman and Jayne Ann Beeman, Snapps J C First

Maplewood Addition lots 186-190 Rusty Slater to Raymond Hooten, Maplewood Addition lots 186-190

James Hooten to Raymond Hooten, Maplewood Addition lots 186-190

Shannon Morgan to Raymond Hooten, Maplewood Addition lots 186-190 McCormick Exchange LLC to Donald Raymond McCormick and Cheryl Ann McCormick, section 16, T5N, R10W David A. Carpenter and Susan M. Carpenter to Jeffrey Weber and Rebecca Weber, Old Town lot 304 Susan Kay Lang to Janet S. Davis, condominium unit 14A, Franklin Commons Condo Phase I

Janet D. Memering to Kathi A. Memering, S ½ SE ¼ section 15, T4N, R8W, second principal meridian et al

Kathi A. Memering to Walter J. Memering, S ½ SE ¼ section 15, T4N, R8W, second principal meridian et al

James S. Junkin to Ronald L. Junkin and James S. Junkin, part of S ¼ of don 44, T3N, R9W

First Robinson Savings Bank NA to Knox County Hospital and Good Samaritan Hospital, part of survey 24, T3N, R10W

Cathleen Ann Harris to M and M Parks LLC, part lots 145, 144 and 143 Vincennes Commons Lands division b, T3N, R10W et al Knox County Sheriff, Mark E. Eakins and Carol Ann Eakins to Keit Tuan Le, Harrison Addition lots 160 and 161

Luke A. Yochum to Jonathan Tyler

and 62, T2N, R8W, Harrison Township et al

Addition lots 39-41

Rosemary Harder to Ellermann Real Estate LLC, part NW ¼ fraction section 15, T1N, R10W, Johnson Township

David L. Meyer to David L. Meyer, part don 164 and 165, T2N, R9W, Harrison Township et al, transfer on death deed

Michael Lambert personal representative, Joseph Hartigan personal

Christine G. Deck to Aaron M. Westfall, Wamplers Second Addition lot 47 Roger Steven Darrough and Susan L. Cardinal attorney in fact to Thomas Reeves Beaman and Norma Danielle Beaman, part location 261, T5N, R10W Jeremy C. Kaetzel to Donald Cook and Lisa Cook, lot 6 Williams Subdivision, Vincennes

Bill J. Fox to Kristopher Choate and Tara Choate, Westside Bicknell lot 102 Michael B. Doudt and Judith A. Doudt to Brian James Boger, Eberwines

Sherry Cummins to Kelly K. Cummins, Bolks Subdivision lot 4 William R. Batman to Keith E. Debord and Jeanette A. Debord, don

lots 161 and 162

227, T2N, R8W, Harrison Township et al

R8W

John P. MCCarty to John H. Ostendorf and Carole Ann Ostendorf,

Barbara A. Vanmeter to Barbara A. Vanmeter, part don 151, T4N, R8W,

Michael D. Risley and Donna G. Risley to David E. Smith Sr. and Mary J. Smith, part of E ½ of NE ¼ section 20, T4M,

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Friday, October 11, 2019

ALL THINGS REAL ESTATE 29

Real Estate Transfers Washington Township et al

Schuckman, lot 58 Theodore Charles Charles E. Hendrix Jr. and Denise K. Subdivision et al Hendrix to Adam Schenk and Kourtney Janet R. Diekman to Holly J. Marchino, Fox Ridge Estates Subdivision McKinnon and Deborah L. Worthen,

to Travis Heath, lot 49 Daleview Estates,

section 2

NW ¼ of NW ¼ section 35, T5N, R9W

David W. Elkins and Angie R. Elkins to David Pennell and Susan Pennell,

Janet R. Diekman and Robert L. Diekman deceased to Luke A. McKinnon, part of section ¼ of NW ¼ of

Lakeview Conservation Association Inc to Lake Conservation Association Inc. and Indian Lake Conservation Association Inc., part UPS 3 and 4, T3N,

fraction section 35, T5N, R9W

R10W

Patricia A. Ridge to Vincennes Rentals LLC, Jessups Addition Subdivision

Cheryl S. Noland personal representative and J. Evelyn Alexander Regions Bank and Regions Bank Estate to John Paul Alexander, part E ½ Mortgage to Michele A. Canchola and of SW ¼ of section 16, T4N, R8W Noel Canchola, all of lot 81, Ash St., in Etty L. Richardson to Linda Dean Strodtman’s Second Subdivision Richardson, part of location 184, T5N, R9W Van Harper and Tonya Harper Paul Stephen McCullough to to Elaina Lavely and Christopher R. Peaches Marie Cress, S ½ of lots 75 and Lavely, part survey 19, T2N, R10W 94, Edwardsport Mark Hansen Goodrich and Kelly Jeremy McCarter and Mary Jo Goodrich to Adam H. Goodrich and McCarter to Gerald R. Barner and Abby Goodrich, SW ½ lot 75 division B, Audrey Barner, part survey 18, T2N, R9W, Vincennes Commons Lands, T3N, R10W Johnson Township Kasey Haney to John Scarff, Aliceville Barry Lee Brown and Deborah Jordan Lee Wonning, Laure Marie Lynn Brown to Beverly Diane Harmon, Dreiman and Laura Marie Wonning to Justin

North Wheatland lots 19 and 20

Barry Scott and Amandia Butler to Paul Apple, lots 130 and 131, Oak Hill Addition, Bicknell

Malcolm E. Dubbs Jr., Ruth R. Dubbs, Malcolm E. Dubbs III and Kellie J. Dubbs to Mark Adam Memering and Milly Ann Phillips Memering, Fox Ridge Estates Subdivision section 5

lots 13 and 14

lot 4 Tobitha Johnson’s Addition, Monroe City

Henry, part don 107, T3N, R8W

Cindy D. Malone to Cindy D. Malone and Mark M. Malone, part of don 185,

Judith Kay Ketcham Bolt to Judith Kay Ketcham Bolt Trust, part S ¼ of

T4N, R9W

addition don 223, T2N, R8W

William H. Chattin and Janet M. Chattin to Amanda R. Brown and Nicholas W. Durnil, SW line don 1.22 acres Dwight E. Deckard to Larry

Judith Kay Ketcham Bolt to Judith Kay Ketcham Bolt Trust, east ½ of SE ¼ of

Allan R. Metzler Jr. and Mary R. Metzler to Beth Sweinimer, lot 14 Country Acres First Subdivision

Benjamin E. Berry and Linda K. Roxanna M. Turner to Michael Aaron Berry to Lane Michael Bird, part SW ½ of Steimel, Old Town lot 335 lot 461, Old Town Thomas L. Johnson and Melissa F. Tod A. Long, Judith K. Long, Tracy A. Johnson to Pickett Construction LLC, Henry and Charles Henry Jr. to Jarryd W.

section 14, T2N, R8W

Erica L. Heath and Travis A. Heath

Sokeland

section 2

Brandon K. Burress to Al K. Burress, part don 1-3N-10W

Longview Acres

Michael L. Morrison to Aaron T. Hartzburge, part E ½ SE ¼ of section 4, T1S, R11W

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Tara Lynn Steimel Roe trustee and Max B. Steimel Trust to Edison Homes, LLC, lot 2 Eastside Subdivision

Jacob M. Ringenberg and Carly A. Ringenberg to Van A. Harper and Tonya J. Harper, Hendron Hill Drive Subdivision

Sherry Lee Wells to Andrew Carie, part of lot 98 division B, Vincennes Commons Land

Franklin Swain, part don 47, T3N, R9W, Palmyra Township SEE ESTATE/PAGE 30

30 ALL THINGS REAL ESTATE

Friday, October 11, 2019

ESTATE

Real Estate Transfers

ESTATE

Dale E. Boyer to Johnny E. Newberry and Debra I. Newberry,

FROM PAGE 29

part don 163, T2N, R9W, Harrison Township

David J. Adams, Ronald L. Adams, Deborah A. Phegley, Sandra L. Potter and Hubert D. Adams deceased to Keith D. Adams and David J. Adams, part don 163, T2N, R9W, Second Principal Meridian, Harrison Township

Robert Hansen Jr. trustee and Mary Ann Hansen trust to Kenneth Michael McClure Revocable Trust and Susan Jean Memering McClure Revocable Trust, Memerings Second Subdivision

Principal Meridian et al

Charles Dale Lambert to Philip J. Hardesty, part don 184, T4N, R9W et al Randall J. Lane, Sandra G. Lane

Second Addition

and Sandra Gail Lane trustee to Randall Joseph Lane trustee, Randall Joseph Lane Revocable Trust and Sandra Gail Lane Revocable Trust, part lot 116 division B, Vincennes Commons Lands

Rose Ann Heath to Johnny E. Newberry and Debra I. Newberry, part survey 2, part survey 3, T2N, R9W, Harrison Township

Vincennes and Palmyra Township John D. Nash, Priscilla Dianne Timmerman, Nancy Lynn Redick, Jaime L. Davis and Rufus Willard Davis Jr. trust to Charles Willard Davis and Maggie May Davis Trust, 25 acres of N end of NE ¼ of NE ¼ section 1, T5N, R9W et al

Ryan Mattern to Nicole J. Haynes, part lot 2, section 26, T3N, R10W

Robert G. McKee to Gary W. Rose II, Windgate Properties LLC to Michael part UPS 4, T4N, R10W Daniel A. Wilson to Joseph Denman Buchanan, Snapps JC First Addition Foster Sr. and Barbara Jean Foster, lot Danny K. Leigh to Charles Dale Lambert, part don 184, T4N, R9W, Second 3 Lamor Acres Subdivision part don 2, T3N, R10W

Baltzell, part don 23, T3N, R9 and 10W,

Glen R. Whitson and Mary C. Whitson to David G. Whitson, Johnsons

Brooke D. Johnson fka Brooke D. Schlomer to Nathan James Gunder and Cheyanne Leigh Gunder, part don 228, T2N, R8W, Harrison Township

Richard L. Martin and Barbara J. Martin to Robert R. Turner and Janis M. Turner, part don 2, T3N, R10W Sandra A. Brocksmith and Cathy A. Ellingwood to Brian K. Brocksmith,

Marilyn Westfall Personal Representative and Julia Ann Marchino deceased to Marilyn S. Westfall, 53 feet SE side of lot 51, Old Town SD Real Estate Investments, LLC to

part SW ¼ NW ¼ section 25, T4N, R10W et al

Eric Tyler Prose, part location 28, T2N, R9W, Harrison Township

Mary C. Whitson POA, Glen R. Whitson and Mary C. Whitson to Vincennes University Board of Trustees, lot 5 block 15, Tindolph and Greens Subdivision

Fox Ridge Development LLC to Beau French Baltzell and Jenna Marie

Knox County Sheriff and Allen Rocky Street to Glen R. Whitson and Mary C. Whitson, lot 5 block 15, Tindolph and Greens Subdivision

FROM PAGE 15

prefer complete freedom to make changes to their homes. But for homeowners such as Bergman and Chodes, who appreciate character-driven proper ties, they offer a way to protect their home’s historic legacy. Although they admit the restrictions can be an additional hurdle, they don’t mind the extra steps.

“I think historical easements ar e an impor tant tool to protect proper ties and are key to preser ving the character of the city,” Bergman wrote in an email. “Whether it makes sense for any one person to own a house with an easement really depends on the state of the house, how much investment and upkeep are needed, and what an owner’s financial situation looks like. ... It seems to me that the biggest benefits for preser vation come when the easements are available outside of the already existing historic districts.”

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Friday, October 11, 2019

ALL THINGS REAL ESTATE 31

Closing costs must-knows

mate third-party fees for you upfront but will not have those actual fees until Cash needs for a down payment are they receive final fees from the title company. These fees are variable and a big focus for many first-time buyers, subject to change. You will also be but closing costs also require cash from buyers. We asked Shelby McDan- offered an owner’s title policy from the title company. The cost for the appraisal iels, executive director of corporate is set by a third-party appraisal managehome lending at JPMorgan Chase, to explain the ins and outs of closing costs ment company and can vary depending on the property. for buyers.

You’ll also make prepayments, which Q. What are closing costs? are composed of prepaid interest from A. Closing costs are a combination of lender fees - such as origination, pro- the date you close through the first of the following month and escrows, cessing and tax service fees as well as third-party fees such as your appraisal, which are your homeowners insurance and property taxes. Homeowners insurtitle insurance and closing - and fees ance is paid for a full year in advance charged by your state or county for and then a few months are collected recording fees or transfer taxes. for your escrow account. Property Q. What fees can you expect at taxes paid at closing are determined closing?

A. In addition to the fees mentioned by the title company and depend on when taxes are due and if you are in a above, you’ll be making your down state where taxes are paid in arrears or payment at the closing. You may also ahead. If you’re establishing an escrow be paying for “rate discount points” to lower your mortgage rate. Lenders esti- account, your lender will also collect

BY MICHELE LERNER

WASHINGTON POST FEATURES

money to make sure you have enough in your account for when your taxes and homeowners insurance payments are due.

Q. Who pays closing costs?

A. The buyer and the seller both pay some closing costs. Sometimes buyers can negotiate with the seller to pay some of their closing costs. In some cases, a buyer may be offered a loan with no closing costs, which generally means the closing costs are built into the interest rate. You’ll pay a slightly higher interest rate and the lender will cover some of your closing costs. When determining the amount of closing costs you should pay, you should always consider the amount of time you plan on being in the home. If you’re only planning on living in the home for a few years, it might make more sense to take a higher interest rate that covers your closing costs, as you will not recoup those costs in inter-

est savings. However, if you plan on keeping the home for five years or more, it is generally best to pick the lower rate. Your lender can help you determine the best choice for you.

Q. What are some ways that buyers can lower their closing costs?

A. Besides negotiating with the seller and asking your lender about wrapping some closing costs into a higher rate, you should shop for title services, title insurance and homeowners insurance with multiple companies to compare their costs. Some buyers and properties are eligible for certain loan programs that give home buyers grants.

Q. Anything else that may help with paying closing costs?

A. Get quotes or work sheets from multiple lenders and evaluate the mortgage rate and fees. Check with your employer, state, city and even credit card company to see if they offer any home-buying incentives.

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32 ALL THINGS REAL ESTATE

Friday, October 11, 2019

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THANKFUL FOR OUR AMAZING CLIENTS AND FRIENDS for voting Tim & Jan Mason 2019 Best Realtors in Gibson County

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REVOLUTION REAL ESTATE Tim Mason 812 812-664-0845 664 0845

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