SWGA HOMES 01/14/2018

4C • SUNDAY, JANUARY 14, 2018

albanyherald.com

SWGA SELLING TEAM

JEAN SHIVER 229-347-0221 Jeanshiver@gmail.com BLAKE WILLIAMS 229-560-4068 Blake.williams@era.com

1806 Regalwood Drive, Albany, GA, 31721 • $174,900

Immaculate Brick home in Northwest Albany! 4 Bedrooms and 2 Baths... Great room with Specialty Ceilings and corner Fireplace with gas logs... Light and Airy Kitchen with Breakfast nook area and tons of counter space... Separate Dining Room....Split Bedroom Design....Nice size Master Bedroom with specialty ceilings and Master Bath features garden tub, separate tiled shower, ceramic tile and double sink vanity. Entertaining size screened porch perfect for a large gathering or just relaxing... Fenced backyard...Double garage with tons of storage plus large floored attic area above garage. Located in Award winning Lake Park School District.

Convenient to Shopping, Dining, Medical Facilities, and minutes from Bypass. Move In Ready!

525491-1

Jamie Finlayson 449-2153

LAKE BLACKSHEAR Valhalla 181 N V alhalla Dr Large Family Home 2.39 Acres On Lake Blackshear, Blackshear, Br, 3.5 Ba, 4 Br, Pool & Poolhouse $342,000 Chuck Call Chuc k 886-2521

LAKE BLACKSHEAR 631 Flintside Dr 2 Acres On Main Lake Water, Over 200 Feet On W ater, Double Boathouse, 4 Bedrooms, 3 Ba $311,000 Call Allan 886-2828

LAKE BLACKSHEAR 2143 Lakeshore Ct Large Lot On Main Lake!

1.24 Acres With 105 Feet On The W ater, 2 Br, Br, 2 Ba, Water, Hardwood Floors, Double Boathouse $410,000 Call Allan 886-2828

LAKE BLACKSHEAR 124 Spring p g Creek Worth W orth County 3 Bedroom 2 Bath, Excellent Location, 1500 Square Ft, Dock With Boathouse $279,900 Call Allan 886-2828

LAKE BLACKSHEAR A Wolf Wolf Thick Rd Lot 155A Prime Lot In Crisp County County,, 110 Feet On W ater, Cleared, 110 Water, 0.585 Acres, County W ater Water Available Available $195,000 Call Allan 886-2828

LAKE BLACKSHEAR Lot 159A A Wolf Wolf Thick Rd County,, Prime Lot In Crisp County Over 110 110 Ft On Water, Water, Views Of Main Lake, Great Views 0.633 Acres $175,000 Call Allan 886-2828

LAKE BLACKSHEAR 643 Smoke Bridge g Circle

LAKE BLACKSHEAR 488 Lakeshore Way Way y 75 Feet On The Water Water t With Excellent Views!

Views! Nice Double Bathouse, Seawall, Screen Porch And Lots Of Decking, 3 Br Br,, 2 Ba, 1512 Square Ft $285,000 Call Allan 886-2828

LAKE BLACKSHEAR 209 Flintside Lot L t In I Pecan P Slough With 94 Feet Of Seawall Frontage, Boathouse With New Roof, Fenced And Ready T To o Build $169,900 Call Allan 886-2828

LAKE BLACKSHEAR 597 Flintside Dr

LAKE BLACKSHEAR Lot 8 Cannon Branch S/D

LAKE BLACKSHEAR 349 Flintside Dr Main Lake M i L k 2 Bedroom B d 2 Baths, New Dock / Boathouse, Large Metal Storage Buildings 100 Ft On Water Water $299,000 Call Allan 886-2828

Large 2.36 Acre Lot In W Worth orth Co With 140 Feet On W ater, 3 Br, Br, Water, Very 2 Ba, V ery Nice Dock / Boathouse

$275,000 Call Allan 886-2828

LD

AMERICUS 498 Hwy y 27

O LEESBURG EES S 105 Ducker

Large Home On 8 Acres, 4 Br Br,, 3 Ba, Inground Pool, Hardwood Floors, 3400 Square Ft $208,900 Call Allan 886-2828

Lee County Close To To Br,, 2 Ba, 1520 Schools, 3 Br Square Ft, Brick Home $101,000 Call Allan 886-2828

ALBANY 3621 Mayfair y Northwest Albany Brick Duplex, Great Investment Opportunity! 2500 Square Ft, Each Unit 3BR, 2BA. $129,000 Call Allan 886-2828

ALBANY Northwest Albany y Lot 2009 Beattie Rd. Prestigious Gated Community On 8.2 Acres, Wooded, Wooded, Fronts A Lake Call Allan 886-2828

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LD

Main M i L Lake k With 154 Ft On Water, W ater, 3 Br, Br, 2 Ba, Double Boathouse, Updated With Hardwood Floors, Large 1.1 Acre Lot, Sunroom

$329,000 Call Allan 886-2828

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Crisp County County,, 1.11 1.11 Acres, 281 Feet On Water, Water, Restrictive Covenants $119,900 Call Allan 886-2828

LEESBURG ESBURG 244 Winship Quail Pines Winship i pQ S/D Lee County on 2.72 Acres, 4 bedrooms 4BA, 5400 Square Ft. $320,900 Call Allan 886-2828

TERRELL ERRELL 6455 D Doverell Hwy, Hwy H y, Dawson D

LEESBURG 110 110 Brasstown

T errell County On 2 Acres, Terrell Br,, 2 Ba, Built In 2006 3 Br With 1700 Square Ft $77,500 Call Allan 886-2828

County, Grover Park Lee County, S/D, 3 Br, Br, 2 Ba,1550 Square Ft, Lots Of Privacy, Privacy, Double Garage, Large Living Room Call Allan 886-2828

NORTHWEST ALBANY 2604 Dawson Heights g New Roof And New Heat And Air Unit, 3 Br Br,, 2 Ba, 1560 Square Ft, Fenced Yard, Lots Of Upgrades!

Yard, $115,000 Call Allan 886-2828

NORTHWEST ALBANY Westgate g 3120 Westgate Dr

ALBANY 1804 Slappey ppey

3 Bedroom 3 Bath T Townhouse, ownhouse, 2046 Square Ft Built In 1990, Hardwood Floors And Tile Tile $119,900

Albany, Albany, Zoned Commercial, 1000 Square Ft, Great /RFDWLRQ 2I¿FH 6SDFHV $89,900 Call Allan 886-2828

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Call Allan 886-2828

SMITHVILLE 928 Airport p Rd Smithville On 50 Acres, 4 Bedrooms, 2 Baths, Two T wo Ponds, Built In 2006 With 2388 Square Ft, Shop / Storage $280,000 Call Allan 886-2828

LESLIE 119 119 Seaboard Warehouse Large Building / Warehouse With 6000 Square Ft, Next T o Dollar General, To High Ceilings $159,500 Call Chuck Chuck 886-2521

SUNDAY, JANUARY 14, 2018 • 5C

albanyherald.com

Daily Real Estate News | Thursday, January 11, 2018 With steep competition, some buyers are scrambling to come up with larger down payments to gain a competitive edge.

On luxury homes, buyers are bringing even more money to closing. In the third quarter of 2017, the median down payment on a financed home purchase over $1 million was $385,500, or 28.2 percent of the median sales price.

“In many purchase situations, there are multiple offers, and the buyers who have the bigger down payment are more likely to win out,� Daren Blomquist, ATTOM Data Solutions’ senior vice president, told The Wall Street Journal.

“If you want to play in the high-end market, you have to be able to pony up a bigger down payment,� Blomquist told The Wall Street Journal.

The median down payment for home purchases that were financed in the third quarter of 2017 soared to a high of $20,000, or 7.6 percent of the median sales price of $263,000, according to ATTOM, a real estate data firm. That is up from 6.1 percent in the third quarter of 2016.

Not all jumbo-mortgage lenders require large down payments, however. For example, BBMC Mortgage in Chicago allows qualified borrowers to put down as little as 5 percent on a jumbo

mortgage up to $650,000. For loans up to $1 million, the lender has programs available that allow 10 percent down.

Mortgage rates are expected to increase in 2018 and that will impact how much buyers can afford. Lawrence Yun, chief economist at the National Association of REALTORSŽ, predicts the 30-year fixedrate mortgage rate will rise to 4.5 percent by the fourth quarter of 2018—and to 4.8 percent by the end of 2019.

Source: “Get Smart on Down Payments,�

The Wall Street Journal (Jan. 9, 2018) [Log-in required.]

HOMES FOR SALE 2117 SSunrise 217 Suunrise nrise rise ris se 3BR B 1.5BA BR 1.5BA 5BA BA $50,000 50,000 ,00 000 00

120 20 Muckalee Muc ucka kalee kale lee CCr Creek rreek eeek ekEN ek RDND RD (mobile ((m mooobbbil m biDIN iilllee hho home) ome ome) mN ee)) 44B 4BR BBRR 2BA 22BA $31,800 $$331 31,80 800 00 PENDING PEN PE P E N D IN I NG G

111 Northampton Nor ortrtha r hampton hampton pton pton on 4BR 4BR R 2BAA Pool, Poool, $185,000 Po $1185,000 855,00 0000 000

397 39 3972 9772 Hwy Hwy wy 822 4BR B 3BA BR BA $59,900 BA 59,900 ,90 900 900

5601 560 556 601 01 IIronwood roonw nw nwoo wood ood (vacant (vvacant vacant ant nt lot) lot lo ot)t)) 3.34 3.3 .34 344 acres, acr cres ess,, $55,000 $5555,000 $55 000 000

120 1204 2044 Leee St S 3BR 3BR BR 1BA BAA $20,000 $20 20,000 0,00 000 000

2008 SS. JJe 208 Jefferson efffe fers ferson erson rson son on (commercial (commer (com (c omme omm mer erccia iial all bldg) bld bld ldg) ddggg)) 3505 505 05 SF, SF SF $45,000 45,000 45,000 000 000

290044 Dove 29 2904 Doove ve AAve ve (V (Va (Vacant Vaacant ccant ant nt LOT) LO LOT OT) 0.96 OT 0.96 9 AC 96 A $10,000 1 000 10,000 00

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2990044 AAveritt 2904 veritt veritt ritt rit ittt 3BR 3BR BR 2BA BA $90,000 BA $90 $9 90,000 000 00

3BR B 2BA BR BA $15,900 BA $155,900 900 900

120 1207 2077 H Hampton aampton mpton pton pto oon Ct Ct 22BR BR 1.5BA BR 5BAA $38,000 388,000 38,000 000 000

1605 1160 605 055 Gillespie G Gilillespie Gi lespie lespie spi pie p e 3B 3BR BR 1.5BA 1.5BA 5BA BA (income (inc (i(in ncome com omee unit uni un nitit in i rrear) eaar)r) $55,000 ea $55 $$5 55,00 55, 5 000 00

5006 50 500 006 06 GAA Hwy wy 300 3000 (vacant (vvacant vacant ant ntt land) and nd) d)) 3 acr acres cres es $27,500 $27 $2 27,500 7 500 500

2731 7311 YYorktown 73 ork oor orktown rktown rkt kktow oown wn 3BR 3BBR 1 ba bath bath thh $4 $45,000 $45 455,00 45,000 000 00

311022 TTreasure 3102 rreasur eaasu sur ureENDING (Mobile ((M MoN M oobbile bile leD home) hoom ho m me) me eN e) ) 3BR 3B BR R 22BA BA $8,900 BA $8,9900 900 PENDING PE P E END NDIN ND DI IN I NG G

315-317 315-317 155-3 -31 3117 Highland-Restaurant ighland-Restaurant ghl gh hlaand and-Restaurant ndd-R -Re Restaurant estaurant staurant taurant aur ura rant nt $600,000 $6600 6000, 0,00 000 000

525488-1

4115 JJanes 415 Jaane nes eP s Ln LnE ((O (Ochlochnee) Occchlochnee) O hllooocchnee) cD hhnee) nnee) eee) e)N e) 33BR BR B RG 22BA BA $$143,000 BA 143 433,000 ,000 000 PENDING PE PEN EN N ND DI IN I NG

OPEN HOUSE SUNDAY 2-4 PM

OPEN HOUSE SUNDAY 1-3 PM

2019 HIDDEN COURT

469 Stocks Dairy Road

Ledo Rd towards Palmyra Rd. Turn Right onto Wilmar Ln. Turn Left onto Hidden Ct. Home is on your left.

Travel East on Stocks Dairy Rd. approx 2 miles, house on the left.

1625 Devon Dr, Albany GA 31721

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SWGA SELLING TEAM

527781-1

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BLAKE WILLIAMS 229-560-4068 JEAN SHIVER 229-347-0221

JANICE WESTER 869-8822 COLDWELL BANKER WALDEN AND KIRKLAND, INC. 436-8811

Subject T To o Change Chan nge Upon Short Notice Notiice

LENDER ER AB&T 229-446-22655

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Last Update 12/14/17 4/17

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To T o Advertise in n SWGA Homes contact Ashanti Smith Sm mith at 888-9340 or ashanti.smith@albanyherald.com ashanti.smitth@albanyherald.com

30-YEAR 15-YEAR 1-YEARR ADJUST ADJUSTABLE TABLE RATE RAATE (No Points) FHAA and/oror VA VA (30-Y (30-Year) Year) FHAA and/or VA VA (15-Y (15-Year) Year) FIXED FIXED of 30 yr yr.. Po yr.. Points USDA RARATE ATE RAATE Rate Annual Life RATE Points oints 15 yr Loan Margin 100%

(No Points) (No Points)

3.75

Cap

Cap

Rate

Rate

yr..

30 yr

3.25

-

-

-

-

3.75

0

0

0

0

3.875 3.25

-

-

-

-

3.375

0

3.125

0

3.625

4.00 3.625

-

-

-

-

3.75

0

3.625

0

3.75

3.875 3.625

-

-

-

-

3.625

-

3.375

-

-

Last Update 06/22/2017 /2017

Synovus Mortgage age 229-430-70377 Last Update 01/11/18 1/18

Bank of Camilla lla 229-294-20688 Last Update 07/20/17 0/17

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MORTGAGE M ORTGAGE PAYMENTS PAY YMENTS MENTS CALCULATOR CALCU CALCULA ULA ATOR

For Mor More e Informatio Information on t Check out our Who’ Who’s s Who Lenders s page and Contact one of these expert ert more lenders for mor e information

KYLA STANDRING 229-809-0494 ERA ALL IN ONE REALTY 229-888-6670

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To place your Open House call Ashanti Smith, Multimedia Representative Albany Herald 888-9340

To place your Open House call Ashanti Smith, Multimedia Representative Albany Herald 888-9340

HOW MUCH HOU HOUSE USE CAN YOU AFFORD? USE AFFOR RD? RD?

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Westover to Westgate, left onto Devon into Devon village

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526852-1

GRI

436-6628

FOR RENT: 414 Johnny Williams 3BR 2BA $650 mo $720 Deposit.

527780-1

OPEN HOUSE SUNDAY 2-4 PM

Ann Thomas

Monthly inter interest, es st, interest interest payments for 30-year, 30-yearr, fixed xed rate mortgage. Escrow Escrow payments nts for taxes, insurance not included. Payments are dollar.. are rrounded ounded to the nearest nearest dollar

$50,000 60 000 60,000 70,00 80,000 90,00 100,000 110,000 120,000 130,000 140,000 150,000 160,000 170,000 180,000 190,000 200,000

3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 3 5.00 0% 5.25% 5.50% 239 247 263 271 284 232 255 27 71 277 278 303 319 327 287 295 311 319 332 325 355 37 75 387 335 345 365 375 398 371 403 42 23 442 382 393 413 423 455 417 458 48 86 497 430 444 472 486 512 478 492 520 534 512 464 506 53 34 497 526 542 574 590 568 510 558 59 90 553 573 591 627 645 625 556 609 64 45 608 621 641 681 700 682 603 661 70 00 663 669 689 729 749 739 649 709 74 49 718 717 738 782 804 795 695 760 80 04 774 764 788 836 860 852 741 812 86 60 829 812 836 884 908 909 788 860 90 08 884 860 886 938 964 966 834 912 96 64 939 908 936 992 1020 1079 880 964 102 20 1050 955 984 1044 1067 1136 927 1011 106 67 1105

6C • SUNDAY, JANUARY 14, 2018

albanyherald.com

compromises than luxury home buyers, the survey found. Mainstream buyers’ main household projects tend to favor brightly painted kitchen cabinets and big-box lighting solutions rather than custom “Housing availability and affordability remain installations. They also place a premium on energy-efficiency improvements.

Daily Real Estate News | Thursday, January 11, 2018 a serious issue, and it’s reflected in these findings,” Quint says.

Luxury owners sought to upgrade high-end The lack of affordable and buildable lots is outdoor fireplaces and furniture, start a hampering housing production, according to Further, 65 percent of consumers surveyed say they don’t believe it will be any easier in bathroom renovation that included a spa a survey released by the National shower or free-standing bathtub, and add 2018 to find a home in their price bracket, Association of Home Builders this week at kitchen upgrades, such as built-in wine according to the survey. the NAHB International Builders’ Show in coolers and warming ovens.

Orlando, Fla. Home owners are staying in their homes Source: National Association of Home Seventy-nine percent of prospective buyers longer than they used to, averaging about Builders 12 to 13 years, the NAHB says. say they can only afford half the homes in their markets.

Homeowners who are staying put longer are “These potential buyers see a problem with sprucing up their properties, such as freshening up the paint colors (48 percent), housing availability,” says Rose Quint, assistant vice president of survey research changing their flooring (43 percent), and making improvements to the kitchen, for the NAHB. bathroom, or outdoor spaces, according to Housing starts in 2017 rose 9 percent over separate consumer surveys conducted by 2016, but the characteristics of new homes Better Homes and Gardens. remained mostly the same, the NAHB Mainstream home buyers are more likely to notes. The average home size was 2,627 square feet in 2017, essentially the same as do house projects themselves and to make

the 2,622-square-foot average in 2016.

Forty-six percent of homes had four bedrooms or more in 2017 compared to 45 percent in 2016.

DON’T

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525997-1 526003-1

Erin K. McDonald nald E roirtgage Er Erin ngage K g eMcDonald MB McDo c Do oker na nald arl d Mo M Mortgage gK. Banker anker nker Morgage orgage rgage g a g e Banker B n k ker e er r N ML NMLS#658957 LS#658957 L S#658957 S #658957 # 5 8957 957 957 N:M2 NMLS#658957 L2 S9#658957 6758957 957 57 229.878.2065 8658957 88957 2 2065 065 O O: 22 29 878 0 675 65 O O: : 2 22 229.878.2065 2 9 9.878.2065 .878.2065 8 7 78.2065 .2065 2065 2 065 F: 229.329.4057 F 29.329.4057 9 329 3 2 9 405 4 0 57 565 F : 12 229.329.4057 2N 29.329.4057 329.4057 3 29.4057 .4057 4e 0sstover 057 5tover 57 Westover 7F: 721 North o.329.4057 orth th hW We estover t Boulevard 7 721 2 1 N No North ort orth o rth h W e es estover s stover e7r 07 B Boulevard ard d Westover bany eor rgia Albany, A Albany lb b a nyy, Georgia Ge G orgi or rg g ia at o31707 3v1er 0Bo 7o ulevard A Albany lb bany am an nyycdonald@renasant.com G e g@renasant.com a renasant.com 31707 3e1n7a 0s7a Albany, erin.mcdonald@renasant.com e rin.mcdonald@renasant.com nany c,dGeorgia oeo no arrg d@renasant.com @ asant.com ant.com eerni nasantbank.com erin.mcdonald@renasant.com mcdonald@renasant.com cdonald@renasant.com onald@renasant.com o nald@renasant.com ald@renasant.com d com d@renasant.com @ renasant.com e nasant.com enasant.com asant.com sant.com ant.com t c om t.com m rrenasantbank.com a.santbank.com ndonald@renasant.com ntbank.com bank.com ank.com nk.com kd@ c@renasant.com m renasantbank.com tb k com

All loans Al All bjeec c loa loans subject All A lolo aan nns sssubject ssu uub bbject cct ct to credit to dit approval. l

DEBBIE K. SUTTON Mortgage Loan Officer

BANK OF CAMILLA

525999-1

2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net

137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (800)807-0205 Lcannon@colonybank.com NMLS #740761 www.colonybank.com 525998 1 525998-1

526006-1

Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658

Leslie Lesl ie Collins 733.0373 73 33.0373

526005-1

526000-1

Leslie.Collins@abtgold.com Leslie.Collins@abtgold.com NMLS: NML LS: 851247

525996-1

2815 Meredyth Drive, Albany, Albany y, GA

(229) 4 446-2265 46-2265

526001-1

Call Ca all 888-9340 888-9 9340 to pla place plac pl lacce c your your Mortgage Mort tgage tg age Company Com Comp pany anyy Ad Here

6C • SUNDAY, JANUARY 14, 2018

albanyherald.com

compromises than luxury home buyers, the survey found. Mainstream buyers’ main household projects tend to favor brightly painted kitchen cabinets and big-box lighting solutions rather than custom “Housing availability and affordability remain installations. They also place a premium on energy-efficiency improvements.

Daily Real Estate News | Thursday, January 11, 2018 a serious issue, and it’s reflected in these findings,” Quint says.

Luxury owners sought to upgrade high-end The lack of affordable and buildable lots is outdoor fireplaces and furniture, start a hampering housing production, according to Further, 65 percent of consumers surveyed say they don’t believe it will be any easier in bathroom renovation that included a spa a survey released by the National shower or free-standing bathtub, and add 2018 to find a home in their price bracket, Association of Home Builders this week at kitchen upgrades, such as built-in wine according to the survey. the NAHB International Builders’ Show in coolers and warming ovens.

Orlando, Fla. Home owners are staying in their homes Source: National Association of Home Seventy-nine percent of prospective buyers longer than they used to, averaging about Builders 12 to 13 years, the NAHB says. say they can only afford half the homes in their markets.

Homeowners who are staying put longer are “These potential buyers see a problem with sprucing up their properties, such as freshening up the paint colors (48 percent), housing availability,” says Rose Quint, assistant vice president of survey research changing their flooring (43 percent), and making improvements to the kitchen, for the NAHB. bathroom, or outdoor spaces, according to Housing starts in 2017 rose 9 percent over separate consumer surveys conducted by 2016, but the characteristics of new homes Better Homes and Gardens. remained mostly the same, the NAHB Mainstream home buyers are more likely to notes. The average home size was 2,627 square feet in 2017, essentially the same as do house projects themselves and to make

the 2,622-square-foot average in 2016.

Forty-six percent of homes had four bedrooms or more in 2017 compared to 45 percent in 2016.

DON’T

Who’s W ho’ss W Who h ho Mortgage Lending IIn nM ortgage g L ending e end i ing Lay L ay tthe he F Foundation oundation ffor or a Fi Financially inanciallly Secure Securee Future Futuree w with ith the the Right Right M Mortgage ortga age

525997-1 526003-1

Erin K. McDonald nald E roirtgage Er Erin ngage K g eMcDonald MB McDo c Do oker na nald arl d Mo M Mortgage gK. Banker anker nker Morgage orgage rgage g a g e Banker B n k ker e er r N ML NMLS#658957 LS#658957 L S#658957 S #658957 # 5 8957 957 957 N:M2 NMLS#658957 L2 S9#658957 6758957 957 57 229.878.2065 8658957 88957 2 2065 065 O O: 22 29 878 0 675 65 O O: : 2 22 229.878.2065 2 9 9.878.2065 .878.2065 8 7 78.2065 .2065 2065 2 065 F: 229.329.4057 F 29.329.4057 9 329 3 2 9 405 4 0 57 565 F : 12 229.329.4057 2N 29.329.4057 329.4057 3 29.4057 .4057 4e 0sstover 057 5tover 57 Westover 7F: 721 North o.329.4057 orth th hW We estover t Boulevard 7 721 2 1 N No North ort orth o rth h W e es estover s stover e7r 07 B Boulevard ard d Westover bany eor rgia Albany, A Albany lb b a nyy, Georgia Ge G orgi or rg g ia at o31707 3v1er 0Bo 7o ulevard A Albany lb bany am an nyycdonald@renasant.com G e g@renasant.com a renasant.com 31707 3e1n7a 0s7a Albany, erin.mcdonald@renasant.com e rin.mcdonald@renasant.com nany c,dGeorgia oeo no arrg d@renasant.com @ asant.com ant.com eerni nasantbank.com erin.mcdonald@renasant.com mcdonald@renasant.com cdonald@renasant.com onald@renasant.com o nald@renasant.com ald@renasant.com d com d@renasant.com @ renasant.com e nasant.com enasant.com asant.com sant.com ant.com t c om t.com m rrenasantbank.com a.santbank.com ndonald@renasant.com ntbank.com bank.com ank.com nk.com kd@ c@renasant.com m renasantbank.com tb k com

All loans Al All bjeec c loa loans subject All A lolo aan nns sssubject ssu uub bbject cct ct to credit to dit approval. l

DEBBIE K. SUTTON Mortgage Loan Officer

BANK OF CAMILLA

525999-1

2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net

137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (800)807-0205 Lcannon@colonybank.com NMLS #740761 www.colonybank.com 525998 1 525998-1

526006-1

Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658

Leslie Lesl ie Collins 733.0373 73 33.0373

526005-1

526000-1

Leslie.Collins@abtgold.com Leslie.Collins@abtgold.com NMLS: NML LS: 851247

525996-1

2815 Meredyth Drive, Albany, Albany y, GA

(229) 4 446-2265 46-2265

526001-1

Call Ca all 888-9340 888-9 9340 to pla place plac pl lacce c your your Mortgage Mort tgage tg age Company Com Comp pany anyy Ad Here

ALB_011418_class_re_Layout 1 01/11/18 7:18 PM Page 7

albanyherald.com

Lots 229 Cemetery for Sale

REAL ESTATE

202 Houses for Sale 3BR 2BA About 2 acres, in Albany, fenced back yard large storage building in back CALL FOR INFORMATION 229-588-0955 3BR 2BA 5 BAKER COUNTY ACRES FENCED YARD 25X75 FT SHED 229-343-0744 Owner financing LEE COUNTY 3BR 2 BA gargage, fireplace, and appliances 229-759-9004

Homes & 210 Mobile Lots for Sale 3BR 2BA $650 mo $350 dep 229776-3020 or 229-881-6012 BEST DEALS on New, Used & Repo’d Mobile Homes, Call 229436-7108 or 229-364-5517

240 Houses for Rent

BURIAL PLOTS at Floral Memory Gardens and Crown Hill Call for more informatiion 706-836-7598 Leave a message

248 Apt/Dupl/Condo/ T’homs for Rent

240 Houses for Rent 2 STORY BRICK W/ POOL; 4BR 2.5BA; 3900 sq ft; 2407 Pheasant, Lake Park, Heart pine fl; gas f/p, $1,650 Call 229-395-6712 FOR LEASE 1BR/1BA House, Very nice, Quiet, 1 acre lot, Older Tenant Preferred, Homestead Ave in Albany, $535/MO, $535 Dep, NO PETS, NO GRAFA, Call 229-436-2647

Homes & 256 Mobile Lots for Rent

267 Commercial Rentals

LEE : 123 Northbrook 3/2 $975 102 A Sweetwater Ct, dplx 3/2, $725 The Wright Co 229-435-0654

14 WIDE, Furnished 2BR, Spring Flats Rd., CH&A, $400/mo + dep. Call 776-3962

LEE CO 3 & 4BR/2BA, Fireplace, Appl. & garage 229-759-9004

1999 GATEWAY 16x80 3BR 2BA recently remodeled new AC $600/mo OR for sale $21K gated community Call 229-888-0068

LUXURIOUS HOME (Hickory Grove Double garage, Subd)3BD 2BA $1400 mo $1400 dep 361 Willow Lake 229-881-2619

REAL ESTATE

SUNDAY, JANUARY 14, 2018 • 7C

1BR/1BA NO pets $260/mo $260 dep; 3BR/2BA $400/mo, $270 dep.

229-349-0271

DEPOSIT IS SAME AS RENT

W. ALBANY, 3BR/2BA, CH&A, W/D hookup, Fenced backyard, Very Nice Quiet Area. 229-886-6488

Middle Bldg. 3,000 sqft Drive-in Roll Up Doors Rent $750/mo

1208-A EAGER 1BR/1BA $345/MO

1, 2, 3 BR. Furnished, $85/wk. Utilities Included. Unfurnished $225-$375/ mo, appliances. 435-7646

136 N MAGNOLIA/ 4 ROOM OFFICE $375/MO

MOBILE HOME 4 SALE! 4BDRM 2 BA w/ garden tub 2 3/4 acres of land on lake Eufala 229-402-2309 OR 229-402-2349

Rear Bldg/Front Side 5,000 sqft Drive-in Roll up door Split Bldg with Mechanic in back, Rent $750/mo

weekly real estate guide appearing every

1508 E ROOSEVELT 2BR/1BA $295 ELECTRIC HEAT

Main Bldg - 30,000 sqft Three (3) roll up doors Wide Open Shop w/parts shelving & Inventory area.

10,000 sqft of Showroom & Office. Rent $5,500/mo (Will Divide Up)

SUNDAY

834-B ODOM 2BR/1BA $275/MO

in

Right Side Parking Lot Space to put a portable office on 3+ acres. (Possibly Car Lot Opposite side.) Land Lease Only. Rent $500/mo

1213-B 5TH AVE 2BR/1BA $395/MO Farms, Lots & 214 Acreage for Sale

2304-A DOMINION CT. 4BR/3BA $895/MO

1BD/1 BA. Living room, kitchenette combo, Furnished. Quiet area. Utlitites.$750 mo. 229-3952624

CALHOUN COUNTY 90+/- acres good hunting and fishing w/ half interest in a large pond, planted pines, paved road frontage $28.50 per acres LEE COUNTY 5+/- White Pond road 3BDRM 2BA Horton Homes double wide, 2 wells 82,000 owner wants offers. Farm and Plantation Realty Incorporated 229-446-0600 OR call/text 229-349-1991

430 TIFT AVE. Old Consolidated Loan Office Space only. Two (2) story, 5,000 sqft, Six (6) private offices with kitchen and 3 bathrooms and board room.

Great for Law Firm or small Doctor’s office.

Rent $3,500/mo

229-888-5843

2BR 2BA NW ALBANY $650 229446-7557 2BR/1BA 2409 Lake Shore Cozy yellow cottage in the rear, across from Riverwalk/boat landing; stove, refrigerator $495/ mo $495 dep.

229-438-7629

COTTON MILL 509 11th Ave., Bldg #10 5,000 sqft, Two (2) roll up doors, Warehouse Space only with loading dock. Rent $600/ mo.

2BR/1BA, 1009 N Mckinley Apt A, CH&A, Fridge, Stove $495/mo + Dep. Grafa Approved. Call 229-438-7629

2308 B Dominion 3BR/2BR $750/$450 2909 Gillionville #12 1BR/1BA $475/$300 3501 Staton 3BR/2BA $750/$750 119 Michael Circle 3BR/2BA $995/$500 (Lee Co) 125 A Ravenwood 3BR/2BR $825/$500 (Lee Co.) 1001 N Madison #6 2BR/1BA $395/$250 1202 B Westwood 3BR/2 BA $750/$450 812 Rosedale 3BR/1BA $550/$400 3100-G Crepe Myrtle 2BR/2BA $625/$400 141 Mayfield (Lee Co.) 3BR/2BA $1000/800 105 B National 3BR/2BA $725/$400 1401-B 9th A Ave ve 1BR/1BA $475/$300

128-B Old Mail Rd Worth Co 2BR/1BA $600/$600

25522-1

412 Bush 3BR/1BA $495/$495

TOWERING PINES APARTMENTS 2125 BEACHVIEW DRIVE , Albany, GA (229) 434-1155 3 BEDROOM duplex apartments available $500/Mo. $199 Move-In Special with $200 deposit.

TDD #711 This institution is an equal opportunity provider and employer.

0 ) DP SP 0 ) DP SP

MOVE-IN MOVE-IN READY READY

2BR/2BA 2BR/2BA Adjacent to to the the ASU ASU Adjacent Darton C ollege of of Darton College H ealth P rofessions Health Professions

4+%- 1+06' 4+%- 1+06'

in print and online www.albanyherald.com 2, 3, & 4 BR Clean w/AC, $300/ mo and up, $250 deposit Call 4367108

Nottingham North Apartments

CLASSIFIEDS 888-9333

Meadowlark 2391 Meadowlark Commons Cou rt Suite Suite 101 Commons Court

509 11th Ave., Bldg #5 7,500 sqft One (1) roll up door, Rent $900/mo

267 Commercial Rentals COMMERCIAL SPACE FOR RENT: 1104 N Slappey 229-809-0233

509 11th Ave, Bldg #14 46,000 sqft, Four (4) loading docks, One (1) drive ramp, Sprinkler/Fire system, 20’ ceilings with shipping office and restrooms, Rent $7,500/mo.

509 11th Ave., Bldg #2, 3, & 4 10,000 sqft warehouse with loading dock, Fire/Burglar Alarm, Sprinkler system, 3/ phase power with 3,500 sqft of office space, Rent $2,500/mo

Find it in the

3 BR Winter Special

ALBANY HERALD CLASSIFIEDS

229-888-9333

229-436-9096

2401 NOTTINGHAM WAY

1, 2 & 3/BR

APARTMENTS NOTTINGHAM APARTMENTS

229-432-9351

526864-1

A APARTMENTS PARTMENTS

Mo Move-in ve-in SPECIAL

2BR/1BA mo.

2B R/1BA $550 $550 m o.

1BR/1BA mo.

1B R/1BA $475 $475 m o.

Includes Includes cable, cable, water, water, sewer, sewer, & garbage garbage

WILLOWS APPARTMENTS 1401 Whispering Pines Rd

DUPLE DUPLEXES EXES &m ore online online at more www.MPMAlbany.com www.MPMAlbany.com 638-1597 638-1597

Albany y, GA

NG TO PAND AND D YOUR YOUR LOOKING TO EXP INV VESTM ST ENT PORTFOLIO?

2 & 3 BR Flats Starting at $495

229-436-9620

526874-1

180 Dunaway 3/4 BR/2 BA $950/$600 (Lee Co)

2507 Nottingham Way Northwest Albany “Call For More Info�

526868-1

2812-B Partridge 3BR/2BA $725/$400

3BR/2BA, LEE Village, No Grafa, 435-0604 or 881-6202

526879-1

115 T Tallulah allulah (Lee Co) 3BR/2BA $1000/$695

128 Wisteria Lane, Leesburg 4 bed 2 bath - 1661 sqft $1350 per month 1344-C Hwy 19 South, Leesburg GA Commercial Office Space $1350 per month - 1895 sqft 817 Flint Ave Warehouse/Office Space - $650 per month 2625 sqft - 75 ft x 35 ft 2620-B Dawson Rd Commercial Office Space - $2125 per month Located behind Pier One Imports across From the Albany Mall Contact Larry Walden for details 229-343-3710 197 Canal Street Leesburg GA 31763 3 bed/2 bath - Sqft 1425 $750 per month 1516 Westwood Dr. 3BR/2BA Home - 1540 sqft for $950.00 per month 1901 Palmyra Rd, Albany Office Bldg - 2071 sqft - 5BR/1BA/2 half baths for $1,800 per month 455 Henry Mitchell Dr NE, Dawson GA 39842 Log cabin style home - 3BR/2BA 1200 sqft for $650 per month 3123-B Crepe Myrtle Ct, Albany, GA 31721 3 bed/2 bath Duplex - 1231 sqft - No Pets $650 per month 804 Twenty First Ave. 4840 sqft - $1200.00 per month Business office/distribution or Church space ready 2615 East Doublegate Dr., Albany, GA 31721 4 bed/3 bath - $1,800 per month Backyard views of Doublegate’s golf course 117-C Mitchell Ave, Albany, GA 31705 1 bed/1 bath quadriplex unit - $375 per month Lawn care and water/sewer provided Close to Albany State University 117-D Mitchell Ave, Albany, GA 31705 1 bed/1 bath quadriplex unit - $375 per month Lawn care and water/sewer provided Close to Albany State University 2531 Brierwood Dr, Albany GA 3/2 House - 1269 sqft $650 per month 121 Northbrook Ct., Lee County 3 bed/2 bath - 1266 sqft - Built in 2007 Garage - No Pets - $1,000 per month 3833 Dominion Ct., Albany GA 3 Bed/2.5 Bath Duplex - 3200 sqft Pet Friendly - $1,000 per month Available Dec. 1st 2205 Old Dominion Rd, Albany, GA 31721 4 bed/2.5 bath - 2401 sqft $1,800 per month 190 Danbury Lane, Albany (Lee Co) GA 31721 3 bed/2 bath - 1844 sqft - Doublegate subdivision POOL - $1,700 per month 1813 Lullwater Rd, Albany, GA 31707 3 bed/2 bath - 1817 sqft - Pet Friendly Available by Jan. 1st - $1,200 per month 2507 Ridgewood Lane, Albany, GA 31707 4 bed/2.5 bath - 2244 sqft Lake Park subdivision Available by Jan. 1st - $1,500 per month 1600 Northwood Drive, Albany 3 bed 2 bath - 1540 sqft $1050 per month - NO PETS 431 S. County Line Road, Albany 4 bed 2.5 bath - 2462 sqft POOL - Pet Friendly - $1500 per month 2604-A Pointe North Blvd, Albany 2 bed 1 bath duplex - 985 sqft Pet Friendly - $500 per month 2758 McLain Lane, Albany Eagle Trace condo - 2 bed 2 bath 1092 sqft - $725 per month 1800 Northwood Drive, Albany 3 bed 2 bath - 1575 sqft Lake Park Area - $1200 per month 525489-1

Gardner,, Whiting, & Malone 2BR/1BA $325/$150

2 and 3 Bedroom Townhomes 526871-1

3BR 1.5BA 2609 POINTE NORTH Apt A $625/MO $625 dep fenced yard and appliances 229-431-0186

FULLER BROTHERS CALL FOR MORE INFORMATION 229-638-6421 The Old Wallace Chevrolet Building 1001 S. SLAPPEY BLVD.

839-A ODOM 2BR/1BA CH&A $335/MO

248 Apt/Dupl/Condo/ T’homs for Rent

COMMERCIAL PROPERTY FOR RENT

Commercial & Residential Assets IN LEE & DOUGHERTY COUNTIES 1.84 Acre Commercial Lot

CREEKRIDGE DRIVE - LOT A , LEESBURG, GEORGIA

6.15 Acre Commercial Lot

CREEKRIDGE DRIVE - LOT B, LEESBURG, GEORGIA

1.18Âą, 3.63Âą, and 3.64Âą Acre Lots 2115 RADIUM SPRINGS ROAD, ALBANY Y, GEORGIA

1.21Âą Acre Residential Lot 928 MERCEDES STREET T, ALBANY Y, GE GEORGIA

1.51 Acre Lot with 3BR, 2BA Home

Don’t miss thiss grreat eat oppor tunity ty to purrchase chase investment prroper op oper ties at prices Y YOU OU deterrmine. mine.

ONLINE AUCTION: TUESDAY, JANUARY 30

GA Lic # AU-C003060

2BR, 1BA, 972ÂąSF Home on .4Âą Acres 202 COLLINS AVENUE, ALBANY Y, GEOR GEO GIA

526910-1

48 Estate Owned Income Producing Properties Located in Albany any y, Georgia y,

2201 RADIUM SPRINGS ROAD, ALBANY Y, GEORGIA

3BR, 2BA, 1,115ÂąSF Home on .36Âą Acres 301 COLLINS AVENUE, ALBANY Y, GEOR GEO GIA

ONLINE A AUCTION: UCTION: THUR, FEBRU FEBRUARY ARY 1

GA Lic # AU-C003060

8C • SUNDAY, JANUARY 14, 2018

albanyherald.com untapped gold mine. Acevedo recalls someone who upped his property’s list price by $100,000 after renovating it.

But be judicious about which home upgrades you decide to factor into your list price.

By Wendy Helfenbaum | Jan 9, 2018 This might sound familiar: Your house is up for sale, people have come to see it, and then nothing but crickets. So the logical thing to do would be to drop your listing price, right?

Not necessarily. is a complex science that depends on a multitude of factors—all of which are changing on a seemingly daily basis. Conventional wisdom urges some restraint when it comes to pricing your home at top dollar, and that’s usually the right way to go. After all, you don’t want to alienate buyers.

Plus, if you price too high, you’ll be forced to do a reduction—which can create a nasty stigma around your home.

Katie K atie G Gatewood 229-43 229-436-0212 36-0212 (office) 229-881-0743 229-88 81-0743 (cell) katie.hughey@gmail.com katie.h ughey@gmail.com www.hugheyandneuman.com www w.hugheyandneuman.com .h hugheyandneuman.com

526888-1 888-1

Hughey Hu ghey & Neuman, Inc. Associate Asssociate Broker

Cindy C indy K Kissinger Parrker Real Estate Group Parker Ass sociate Broker Associate

526895-1

229-88 229-886-0234 86-0234 (cell) cindykissingerrealtor@gmail.com cindyki issingerrealtor@gmail.com www.parkerreg.com www w.parkerreg.com .p parkerreg.com

Scott S cott G Goodman

526890-1

Coldwell Co oldwell Banker Active Real Rea al Estate Associate Asssociate Broker 229-386 229-386-8161 6-8161 (office) 229-848-2378 229-848 8-2378 (cell) scott.goodman@coldwellbanker.com scott.goo odman@coldwellbankerr.com www.coldwellbankerare.com www w.co oldwellbankerare.com

526892-1

1. The Market Conditions Have Changed Since You First Listed You know that phrase “competition breeds desire”? It’s rarely more true than in a seller’s market. Buyers, in their frenzy to compete, often won’t hesitate to engage in bidding wars to score a home, and may perceive that a home priced a notch above the others as being more desirable.

To be clear, we’re not talking major increases here.

Sometimes you can open the door to more buyers just by bumping up to the next price category.

For example, pricing a home at $199,900 will catch buyers looking at listings up to $200,000. But if they’re looking between $200,000 and $250,000, your home may not show up, Paulson explains.

Broker,, CRS, ABR Broker A Associate

“If you’re at one of those psychological break points, then it does make sense to blow that barrier so that you reach a different demographic without drastically changing the price,” he says.

229-317-4126 - Office 2 - Mobile 2 229-343-4200 d debfulford@gmail.com w www .remaxofalbany y.com www.remaxofalbany.com

SWGA S WGA S Selling Team T eam ERA All In One Realty E R Realtors

Jean n Shiver 229-347-0221 Jeanshiver@gmail.com Jean nshiver@gmail.com Blak ke Williams 229-560-4068 Blake Blak ke.Williams@era.com Blake.Williams@era.com

526800-1 800-1

Hughey Hu ghey & Neuman, Inc. Associate Asssociate Broker 229-43 229-436-0212 36-0212 (office) 229-34 44-5261 (cell) 229-344-5261 callie.h hughey@gmail.com callie.hughey@gmail.com www w.hugheyandneuman.com .h hugheyandneuman.com www.hugheyandneuman.com

In other words: If someone is looking for a home between $250,000 and $300,000 and you change your list price from $249,900 to $251,000, you’ll reach a whole new segment of buyers—who may see your home as a bargain for this category.

2. Your House Has Features Its Newly Listed Counterparts Do Not In a competitive market, you want to stand out from the pack. Keep an eye on new listings in your area to make sure you haven’t undervalued your home. If the new listings are comparable with your home for sale— but you have more features to tout—you may want to increase your list price.

Buyers comparing similar homes—say, with the same floor plan or square footage—might be willing to pay more for additional features such as an in-ground pool, says Ramonita Acevedo, a Realtor® with Coldwell Banker Residential Real Estate in Miramar, FL.

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“Often a price increase could be justified in that case, because two identical three-bedroom homes may sell at different price points because one has something that gives it more value,” she says.

3. You Upgraded Your Home After It Was Listed If you installed new hardwood floors or replaced your kitchen cabinets and your list price doesn’t reflect these improvements, you could be sitting on an

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And make sure you know which features today’s buyers are clamoring for before you go swinging a sledgehammer and relisting your home. For example, revamped kitchens and bathrooms add the most value to a property. Some renovations, on the other hand, such as a garage converted to an office, might turn off clients.

And if you’re thinking of passing along all your remodeling costs to potential buyers, think again.

“Buyers look for something that’s move-in ready and not a money pit, so if you’ve got a house with a very dated kitchen and all the neighbors have renovated ones, it’s probably time to do that,” Paulson says. “But you don’t always get a dollar-for-dollar return, so be very careful how you spend your money.”

4. You Want To Pique Interest By Relisting If you take your home off the market and then list it at a higher price, you could draw in buyers who haven’t had the chance to visit it yet.

“You don’t even have to delist it; you can just edit it,” Paulson says. “Because in our automated world, if you like my listing and you favorited it, and I change that price point by a dollar, the system will flag it and let you know there’s been a change in the listing you liked. It gives your house that top-of-mind awareness If you’re noticing that comparable properties near you are selling for more than your sticker price, raising your to buyers.” price just might pique buyers’ interest, says Jim 5. The Appraisal Value Comes In Higher Paulson, owner/broker at Progressive Realty Than Your Current Listing Price Corporation in Boise, ID. Usually, buyers pay for an appraisal after an accepted offer to justify the sales price for the bank. But sellers “Typically, the time to raise the price is when the laws can also hire a certified appraiser early in the process of economics with client demand warrant it—that is, if and use the report to justify increasing the listing prices are rising quickly and inventory is dropping,” price, says Dustin Harris, a residential real estate Paulson says. (The good news? For most of the appraiser and president of Appraisal Precision and country, that time is now.)

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But in some situations, it might actually make sense to increase the list price to get buyers’ attention. Sounds crazy, right? Well, here are six scenarios where you could be justified in increasing your asking price after you’ve listed your home.

“It has to be something major, such as a new roof, because a home’s value won’t go up much higher just because you put in a granite countertop,” Acevedo says.

“The few dollars invested in hiring a third-party, unbiased appraiser is a drop in the bucket compared to what can be lost by selling a property incorrectly,” Harris explains. “If an appraisal comes back higher than the perceived listing price, trust it.”

Of course, if you’re going to shell out for an appraisal, it’s best to do this before you list your home, so that you have the right price from the start. But, Harris adds, sellers can and should make changes when necessary.

“Adjusting a listing price to better reflect market value is better than selling it for too little and risk losing money,” he says.

6. Serendipity Steps In Once in a while, conditions you may never have expected can swing housing prices, Paulson says.

“For example, last winter in the Boise area we had a very extreme winter, so we couldn’t dig any foundations or build new houses effectively for about two months,” he recalls. “That depleted our inventory, because we can’t replenish with new supply, and it created an opportunity for sellers to increase prices because we had decreased our supply.”

Just be sure your home is still priced fairly and that you have the data to back it up. Otherwise your strategy could backfire, Harris says.

“Marketing is about perception,” Harris says. “Will there be questions if a listing price is raised after the fact? Sure, but the answer is, ‘We employed (professionals) who understand the market and assisted us in properly listing it.’ That’s all you need.”

Wendy Helfenbaum is a journalist and TV producer who covers real estate, architecture and design, DIY, gardening, and travel. Her work has appeared in Woman’s Day, Metropolis, Costco Connection, Garden Collage, Parenting, Canadian Living, Canadian Gardening, and more. Follow @wendyhelfenbaum

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