4C • SUNDAY, MAY 14, 2017
albanyherald.com
163 Fairethorne Drive ~ Leesburg, Ga. 31763 3br/2ba 2200 sq ft. $215,000
484516-1
Kyla Standring • (C) (229) 809-0494 • 616 N Westover Blvd • Albany GA 31707 kyla.standring@era.com • www.kylastandring.com • ERA ALL IN ONE REALTY
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LAKE BLACKSHEAR 382 Lakeshore Dr
LAKE AKE BLACKSHEAR ACKSHEAR S 334 Spring 3 p g Creek ek
Excellent Location And Views! 0.84 Acres, Seawall, Views! 3 BR, BR 2 BA, BA Large Lot $230,000 Call Allan 886-2828
85 5F Feett On O The W ater, Water, Excellent Location! 2 BR, 1 5 Baths, Dock, Seawall 1.5 $269,000 Call Allan 886-2828
LAKE BLACKSHEAR 328 Swift Creek Rd
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
100 Feet On Lake Blackshear, Blackshear, Large Lot With A Dock, 2 Bedroom, 2 Ba, $159,900 Call Allan 886-2828
LEESBURG 208 L Lynwood ynwood y Laurelbrook S/D, 3 Bedroom, 2 Baths, 1667 Square FT $110,000 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
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LEESBURG 128 Blue Springs p g Br,, 2 Baths, Pool, 3 Br 1755 Square Ft $102,000 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
LAKE BLACKSHEAR 463 Flintside Weekend Place Or Great Weekend Rental Opportuinity! 2 Br 1 Bath, Dock With Boathouse, Seawall, Main Lake V iews Views $219,000 Call Allan 886-2828
LAKE BLACKSHEAR 496 Lakeshore Way Way y Lake Blackshear Main Lake With 160 FT On Water, Water, 5BR, 3.5BA, On 1.2 Acres!!! Dock With Boathouse, Boat Ramp. $550,000 Call Allan 886-2828
LAKE BLACKSHEAR y 880 Flournoy Great Location In W Worth orth County, County, 145 Feet On W ater, Dock, 3 Water, Bedroom, 2 Baths, Comes With Additional Lot $285,000 Call Allan 886-2828
LAKE BLACKSHEAR 356 Swift Creek
LAKE AKE BLACKSHEAR CKSHEAR 210 Drayton 2 y Loop p
Water On The W ater With A Dock! 3 Bedroom 2 Bath, 100 Feet On Water, Water, $128,000 Call Allan 886-2828
LAKE BLACKSHEAR 169 Flintside 0.93 Acres On The Water Water With Dock And Boathouse, our Fenced, Ready For Y Your Dream Home $75,000 Call Allan 886-2828
LEESBURG 244 Winship Quail Pines Winship pQ S/D Lee County on 2.72 Acres, 4 bedrooms 4BA, 5400 Square Ft. $369,000 Call Allan 886-2828
LEESBURG COUNTRY 174 COUNTR Y Leesburg on 8.56 Acres with a pond and dock, 3 bedrooms 2 bath, 1 164 Square Ft 1164 $115,000 Call Allan 886-2828
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NORTHWEST RTHWEST WEST T ALBANY B 0 W 10Th 1510 edrooms 2 Baths, 4 Bedrooms Inground Pool, 1620 Square ard Ft, Fenced Y Yard $88,800 Call Allan 886-2828
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DOUBLEGATE DOUBLEGA ATE 2622 Chelsea Ct On 1.21 Acres, 5 Bedroom, 3.5 Baths, 4200 Square Ft, Driveway,, New Roof And Driveway Double Garage $285,000 Call Allan 886-2828
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S Located On
River,, The Flint River 3 Bedroom , 2 Baths $125,000 Call Allan 886-2828
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LEESBURG EESBURG BURG G
O S 4 Br , 2 Bath
109 Crabapple pple $148,900
Call Allan 886-2828 Pending P ending g
ALBANY 911 91 1 Parrish 3 Bedroom 2 Baths, Yard, Fenced Y ard, 1500 Square Ft $89,900 Call Allan 886-2828
LAKE BLACKSHEAR 1200 Campers p Haven Located On Flint River River,, 3 Bedroom, 2 Ba, Plenty Of Storage , Dock $160,000 Call Allan 886-2828
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
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 $295,000 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
albanyherald.com
SUNDAY, MAY 14, 2017 • 5C to wash much easier before going to the grill.
DESIGNING STYLISH AND FUNCTIONAL OUTDOOR KITCHENS
Landing Space When you’re cooking, you need space at each workstation to set things down. One of the most frequent outdoor kitchen design shortcomings is insufficient counter space. Ideally, you should have open countertop space to each side of a sink, grill, cooktop and every other workstation. These open spaces are called landing zones.
Outside the Lines As homeowners want to spend more time in their outdoor kitchens, storage space is becoming increasingly important. At the very least, they will want to store cooking items like wood chips, charcoal, grilling gloves and brushes in outdoor cabinets for the season.
(Family Features) Just like the inside of a home, aesthetics are often the first thing you notice when stepping outside.
these products should work harmoniously. Get started with the basics of outdoor kitchen functional zones from Faulk.
An outdoor living space can be modern, traditional, rustic, coastal or even country farmhouse - the possibilities are endless. The look and feel it exudes is important, so figuring out a design that reflects your own personal style is a top priority in the planning stages.
Zoning Out
However, it’s not the only priority. You’ll also need to determine how to use the space. Some homeowners discover that one of the best ways to do so is with an outdoor kitchen. “We have seen designers and homeowners taking a more thoughtful and sophisticated design approach over time,� said Russ Faulk, chief designer and head of product for Kalamazoo Outdoor Gourmet, producer of premium culinary products for residential outdoor kitchens. “The result is a fully realized space with all of the parts working together - much more than a collection of furniture and cooking equipment.� To get the most out of your outdoor kitchen,
Many homeowners want a fully functional outdoor kitchen that operates independently from the indoor kitchen, which requires even more storage space to keep pots, pans, utensils and cutting boards outside.
Planning for each functional zone is necessary to maximize the effectiveness of the outdoor space for cooking and entertaining activities. Similar to the indoor kitchen, outdoor kitchens consist of functional zones, which include hot zones, cold zones, wet zones and dry zones.
Outdoor cabinetry needs to be ready to withstand the elements. To handle rain and keep items dry, weather-tight options are available. In addition to high durability, outdoor cabinetry options have become increasingly design-focused with various finishes that make an aesthetic statement. For example, Kalamazoo’s Arcadia Cabinetry Series comes in oiled ipe wood or powder-coated stainless steel panels available in more than 200 colors.
Hot zones include all cooking spaces, such as the grill, pizza oven and cooktops. Cold zones are made up of refrigeration and freezers. Wet zones are comprised of sinks Whether your space is big or small, the and adjacent workspace. Dry zones are prep design principles of a well-functioning counters and storage. outdoor kitchen remain the same. Do it right and your kitchen will not only look stylish, A truly effective outdoor kitchen involves all but it’ll function smoothly and may become four zones working together. Planning ahead your new favorite part of your home for can make prepping, cooking, serving and years to come. Find more information at cleaning go more smoothly. KalamazooGourmet.com. For example, the cold zone should be #13772 located next to the wet zone. This can make Source: Kalamazoo Outdoor Gourmet moving food from the refrigerator to the sink
HOW MUCH HOU HOUSE USE CAN YOU AFFORD? USE AFFOR RD? RD?
MORTGAGE MOR TGA AGE RA RATES ATES T
Determining how much “home you can af afford� a ford� depends on several important factors tors including:
Subject T To o Change Chan nge Upon Short Notice Notiice
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WBSJFT EFQFOEJOH PO DVSSFOU t Your Your credit credit history and score. score. :PVS :P PVS DSFEJU DSFEJU DBO BGGFDU BGGFDU ZPVS BCJMJUZ UP RVBMJGZ GPS GP PS B #FGPSF ZPV TIPQ GPS B IPVTF PS B NPSUHBHF NPSUHBH HF ýOE PVU NPSUHBHF BOE ZPVS NPSUHBHF SBUF #FGPSF XIBU ZPVS DSFEJU DSFEJU TDPSF TDPSF JT CZ WJTJUJOH XXX BOOVBMDSFEJUSFQPSU DPN X BOOVBMDSFEJUSFQPSU DPN PS DBMMJOH XXX Be sure surre to do this once on scorre can be negatively ne nce a year because your score egatively affected if pulled too often. F t Current Current mortgage rates. .PSUHBHF SBUFT DIBOHF DPOTUBOUMZ CBTFE PO UIF FDPOPNJD :PV GBDUPST UIBU BGGFDU BGGFDU UIF EFNBOE GPS NPSUHBHFT NP 'SFEEJF .BD . :P PSUHBHFT BNPOH JOWFTUPST MJLF 'SFEEJF PV DBO USBDL NPSUHBHF SBUF USFOET USFOET CZ GPMMPXJOH GPMMPXJJOH 'SFEEJF 'SFEEJF .BD T .BD T 1SJNBSZ .PSUHBHF .BSLFU .B 4VSWFZ BSLFU 4VSWFZ t The amount of your down payment. paymentt. :PV :P PV XJMM IBWF UP NBLF B EPXOQBZNFOU EPXOQBZNFOU PG BU MFBTU QFSDFOU PG UIF IPNF QVSDIBTF QVSDIBTF QSJDF 'SFEEJF .BD T .BD T QFSDFOU F UP RVBMJGZ GPS B NPSUHBHF UIBU NFFUT 'SFEEJF QFSDFOU SFRVJSFNFOUT BSF BCMF UP QVU EPXO E QFSDFOU PS NPSF NPSF ZPV DBO BWPJE SFRVJSFNFOUT *G ZPV BSF E IBWJOH UP QBZ QSJWBUF NPSUHBHF JOTVSBODF 1.* 1.** SFEVDJOH SFEVDJOH ZPVS NPOUIMZ NPSUHBHF QBZNFOU QBZN NFOU t The type of home your are are purchasing. purchas sing. *G ZPV BSF BSF MPPLJOH UP CVZ B DPOEPNJOJVN DPOEPN NJOJVN LFFQ BSF UZQJDBMMZ IJHIFSS GPS UIFTF MPBOT BOE ZPV MM IBWF UP CVEHFU CVEH GPS UIF JO NJOE UIBU SBUFT BSF HFU GPS DPTU PG ZPVS NPOUIMZ DPOEPNJOJVN GFF GF FF t Your Your current current lifestyle and future future plans. pla ans. :PV :P PV TIPVME DPOTJEFS ZPVS DVSSFOU DVSSFOU MJWJOH MJWWJOH TUBOEBSET TUBOEBSET BT XFMM BT BOZ GVUVSF GVUVSF NBKPS NBKP PS FYQFOTFT TVDI BT B XFEEJOH PS DPMMFHF DPMMFH HF UVJUJPO "OE SFNFNCFS C XIBU I U ZPV DBO DPNGPSUBCMZ D G U CM BGGPSE BGGGPS U E OPUU ýWF UPEBZ ý ZFBST GSPN OPX " E SFNFNCFS C CVZ G E UPEBZ G PN OPX GS t Fees and closing costs. 3FNFNCFSS UP GBDUPS JO UIF FYQFOTFT BOE GFFT ZPV XJMM JODVS GPS B IPNF BQQSBJTBM B IPNF JOTQFDUJPO JOTQFDUUJPO BOE PUIFS QSPGFTTJPOBM QSPGFTTJPOBM TFSWJDFT SFRVJSFE SFRVJSFE UP CVZ B IPNF
KEY RA RATIOS ATIOS LENDERS LENDE ERS USE
LENDER ER AB&T 229-446-2265 5
30-YEAR FIXED RAATE RATE
(No Points)
15-YEAR 1-YEARR ADJUST ADJUSTABLE TABLE RATE RAATE (No Points) FHAA and/or or VA VA (30-Y (30-Year) Year) FHAA and/or VA VA (15-Y (15-Year) Year) FIXED Life of USDA yr.. Po yr.. Points RAATE Rate Annual Loan Margin 30 yr RATE Points oints 15 yr 100%
(No Points)
Cap
Cap
Rate
Rate
yr.. 30 yr
3.875 3.125
-
-
-
-
3.125
0
3.375
0
3.625
4.25
3.625
-
-
-
-
3.75
0
3.50
0
3.875
4.125
3.50
-
-
-
-
3.75
0
3.50
0
4.20
3.25
-
-
-
-
3.80
-
-
-
0
3.875 3.250
-
-
-
-
3.625
0
3.375
0
3.75
4.25
-
-
-
-
3.75
-
3.50
-
-
Last Update 04/27/2017 /2017
Ameris 229-434-4555 5 Last Update 10/13/2016 /2016
Flint Community Bank 229-903-1400 0 Last Update 02/23/2017 /2017
Suntrust Mortgag Mortgage ge Inc. 229-430-5494 4 Last Update 05/04/2017 /2017
M t age Synovus Mortgage S 229-430-7037 7 Last Update 05/04/2017 /2017
Bank of Camilla lla 229-294-2068 8 Last Update 02/09/2017 /2017
3.375
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3BUFT DBO CF SSFEVDFE F FEVDFE XJUI EJTDPVOU QPJOUT 3B 3BUFT BUFT BS BSF F TVCKFDU UP DIBOHF VQP VQPO O TIPSU OPUJDF BOE EJTDPVOU DIBOHF GSFRVFOUMZ QFSDFOUBHF QPJOUT DPVME DIB BOHF GS FRVFOUMZ 0OF EJTDPVOU QPJOU Q JT FRVBM UP POF QFS DFOUBH HF QPJOU PG UIF MPBO BNPVOU XIFO MFOEFST QSPHSBNT ORIGINATION BOE JT QBJE XI FO UIF MPBO JT DMPTFE .PTU MF FOEFST IBWF B WBSJFUZ PG QS PHSSBNT ORIGINA ATION FEE IS NORMALLY POINT, VARY. BNPVOU NORMALL LY ONE ON NE ADDITIONAL POINT T, BUT CAN V AR RY. .BYJNVN BNPVO OU GPS DPOWFOUJPOBM MPBO JT To T o Participate P in the column, call 888-9333. For information on on specific mortgage programs The Lender. pr ograms call Th he Lender r.
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
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To T o Advertise in i SWGA Home contact Debi Griffin at 888-7653 3 or debi.griffin@albanyher debi.griffin@albanyherald.com rald.com a 486171-1
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 are rrounded ounded to the nearest nearest dollar included. Payments are 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% 232 255 27 71 277 239 247 263 271 284 278 303 319 327 287 295 311 319 332 325 355 37 75 387 335 345 365 375 398 371 403 42 23 442 382 393 413 423 455 417 458 48 86 497 430 444 472 486 512 464 506 53 34 497 478 492 520 534 512 510 558 59 90 553 526 542 574 590 568 556 609 64 45 608 573 591 627 645 625 603 661 70 00 663 621 641 681 700 682 649 709 74 49 718 669 689 729 749 739 695 760 80 04 774 717 738 782 804 795 741 812 86 60 829 764 788 836 860 852 788 860 90 08 884 812 836 884 908 909 834 912 96 64 939 860 886 938 964 966 880 964 102 20 1050 908 936 992 1020 1079 927 1011 106 67 1105 955 984 1044 1067 1136
6C • SUNDAY, MAY 14, 2017
albanyherald.com
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
DEBBIE K. SUTTON Mortgage Loan Officer Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658
Leslie Collins 733.0373 733 .0373 Leslie.Collins@abtgold.com @abtgold.com NMLS: 851247
BANK OF CAMILLA
284861-1
2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net
2815 Meredyth Drive, D Albany Albany, y, GA 284857-1
(229) 446-2265 46-2265
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284854-1
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284856-1
Jan Phillip Phillipss
284858-1
Call Debi Griffin @ 888-7653 to place your Mortgage Company Ad Here 284865-1
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284864-1
ALB_051417_Class_re_Layout 1 05/11/17 6:52 PM Page 7
HOMES HOMES Southwest Georgia
REAL ESTATE
202 Houses for Sale
albanyherald.com Display Ad Deadline: Wednesday, Noon Display - Debi Griffin 888-7653 Debi.Griffin@albanyherald.com Classified Ad Deadline: Friday, 10:00 a.m. Classified 888-9333
248 Apt/Dupl/Condo/ T’homs for Rent
240 Houses for Rent
Homes & 256 Mobile Lots for Rent
3BR, RADIUM Springs area, $795/ mo. Call 229-395-2692 NO PETS
3BR/1BA, LR, DR, Kitchen, on Kinchafoonee Creek, Fenced yard, $700/mo + deposit & retainer. No Grafa, 229-435-2316 Avail. 07/01/17 4BR/ 2BA in Merry Acres, close to Lake Loretta. New paint and carpet. $1150 per month. Call 229-894-9439
2, 3, & 4 BR Clean w/AC, $300/ mo and up, $250 deposit Call 4367108 3BR/2BA DW off Holly Drive, Call 229-854-0173 1208 WHISPERING PINES ALBANY,GA 31707 WWW.LIVEOAKPROPERTIES. NET MON-FRI 9AM-5PM 229-405-1400 CARRIAGE LANE DOUGHERTY COUNTY ALL NEW
2514 Toni Lynn (College Park), Albany. 4Bd 3ba, Brick. SBO $169,000 or lease for $1400/mo. Information @ www.RogerDSmith. com or call 888-1221
3BR/2BA, $525 East RTO Large Doublewide, remodeled. 888-2000
Roommate Wanted/ 262 Room for Rent ROOMMATE WANTED Share Expenses, 3BR House, Must have References. Call (229) 881-1377
304 B 2BD/2BTH, $525 STATION CROSSING ALL NEW 314 B 2BD/2BTH $500
323 A 2BD/2BTH $500.00 DEPOSIT $250.00 RENOVATED UNITS AVAILABLE SOON ON CARRIAGE LANE PRELEASE SPECIALS STARTING AT $500.00 2BD/2BTH, $525.00 3BD/2BTH DEPOSITS SPECIAL $250.00.
Dougherty Albany 1 / 2BR 1 BA Albany Spring Senior Apartment Senior Living +62 older Includes water, gas, light and sewage, Move-In Ready Call 229-438-9100 Dougherty Albany 3BR/2BA Large Newly Remodeled Duplex/3 Bedrooms & 2 Full-Bathrooms, Rent $650 and Security Deposit $650. Section 8 OK. Please contact Joe at 973-6683552 for more information or application.
Westover Gardens Apts.
DEPOSIT IS SAME AS RENT
918-A 4TH AVE 2BR/1BA CH&A $495/MO
Luxury 2 Bedroom $650/mth $500/Dep
915 3RD AVE 2BR/1BA $495 CH&A, APPLIANCES
136 N MAGNOLIA/ 4 ROOM OFFICE $375/MO 229-888-5843
B&B Rental Agency
229-435-5216 Homes & 210 Mobile Lots for Sale BEST DEALS on New, Used & Repo’d Mobile Homes, Call 229436-7108 or 229-364-5517
Farms, Lots & 214 Acreage for Sale 100 & 150 +- ACRES with excellent stands of timber and great hunting. ALLIED LAND. 759-1023
REAL ESTATE
240 Houses for Rent
1, 2 & 3/BR
2909 Gillionville #8 1BR/1BA $475/$350 115-D Winding Way Way 3BR/2BA $675/$400(Lee Co) 1505-B Eager 2BR/1BA $495/$250
APARTMENTS
160 T Tallassee allassee Trail 4BA/2BA $1300/$800 (Lee Co)
NOTTINGHAM APARTMENTS
229-432-9351
3100 E Crepe e Myrtle 2BR/2BA $595/$350
115 Northbrook, 4/2 $1300 131 Blue Springs, 4/2 $1300 The Wright Co. 229-435-0654
486214-1
925 Mercer 3BR/2BA $575/$350 902 1st Ave 2BR/1BA $595/$500
2614-B Colonial Dr. 2BR/1BA Duplex - 825 sqft for $950.00 per month 1201 Hiltop (in law suite) 1BR/1BA Home - 500 sqft for $600.00 per month 218 W Doublegate Dr 4BR/2.5 BA Home - 2304 sqft
1001 N. Madison #16 & #17 2BR/1BA $395/$250
2507 Nottingham Way Northwest Albany “Call For More Info�
503 N Cleveland 2BR/1BA $475/$475 1930-B Edgerly 2BR/1BA $425/$300
1139-A Eager 2BR/1BA $475/300
2809 Capers Ln
203 Telfair 2BR/1BA $375/$375
3BR/2BA Home - 1558 sqft
Meadowlark 2391 Meadowlark Commons Court Commons Cou rt Suite Suite 101 0 ) DP SP 0 ) DP SP
for $950.00 per month
for $800.00 per month 2012 Gail Ave 3BR/2BA Home - 1504 sqft
MOVE-IN MOVE-IN READY READY
1202 W. W. Lincoln 3BR/1BA $550/$350 1900-B W. W. Broad 2 BR/1BA $395/$200
520 Louis 3BR/1BA $495/$300
for $850.00 per month 2010 Twelfth Ave
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
3BR/2BA Home - 1533 sqft for
4+%- 1+06' 4+%- 1+06'
$950.00 per month
Warehouse Space available 3000 sqft $650.00 per month
248
1, 2, 3 BR. Furnished, $85/wk. Utilities Included. Unfurnished $225-$375/ mo, appliances. 435-7646
804 Twenty First Ave. 4840 sqft $1200.00 per month Business office/distribution or Church space ready
1BR & 2BR apts 1BA Beautifully updated in historic Rawson Circle $350$450/MO 229-344-3553 3609 MAYFAIR Ln. 3BR/2BA, $800/ mo $1600 dep. Call 703-772-0919
115 Force Dr. 2BR/1BA Home - 840 sqft
for $500 per month 132-A Joiner Dr.
Medical • Dental Fitness • Insurance Medical Supplies Pharmacy • Tips Education Training
Mo Move-in ve-in SPECIAL
2B 2BR/1BA R/1BA $ $550 mo. 550 m o. 475 m o. 1BR/1BA $475 mo. 1B R/1BA $ Includes cable, cable, water, water, Includes sewer, & garbage garbage sewer, DUPLEXES DUPLE EXES &m ore online online at more www.MPMAlbany.com www.MPMAlbany.com 638-1597 638-1597
FREE COPY TODAY SW GEORGIA S WG EORGIA
h e a l t h beat health beat MONTHLY M O N T H LY M AG A Z I N E MAGAZINE
Homes & 256 Mobile Lots for Rent
2BR/1BA Duplex - 1006 sqft for $550 per month
14 WIDE, Furnished 2BR, Spring Flats Rd., CH&A, $400/mo + dep. Call 776-3962
839 W Broad Ave Fully Equipped mechanic shop for $2300 per month 484836-1
A APARTMENTS PARTMENTS
Apt/Dupl/Condo/ T’homs for Rent
486217-1
1204 Toledo Dr.
1200 SF Office Space @ N Slappey, 6 offices, kitchenette, 4 baths, $600/ mo 229-317-0444
Pick Up Your
1511-A N. Monroe o 1BR/1BA $225/$225 84086-1
2221-B Bedford Ct
267 Commercial Rentals SPACES FOR LEASE, 1104 N. SLAPPEY. Call Lavon Nichols at (229) 809-0233
1406 S Van Van Bure en 3BR/1BA $450/$450
for $1600.00 per month
3BR/2BA Duplex - 1667 sqft
486215-1
2 and 3 Bedroom Townhomes
2708 Homewood Court #B 3BR/1BA $425/$300
2 & 3 Bedroom Mobile Homes for Rent in Lee County near Albany. (229)854-0173 LEE COUNTY ~ 3BD/2BA Duplex (229) 435-0604 or (229) 881-6202
When renting can be a smart decision
- The price-to-rent ratio is too high. Buying may seem like a wise idea, but it could be causing you to spend more than necessary, particularly if you check the price-to-rent ratio and find homes in your area are not fairly priced. Figuring a P/R ratio includes finding two similar houses (or condos or apartments) where one is for sale and the other is for rent. Divide the sale price of the first place by the annual rent for the second. The end result is the P/R ratio. So if a home sells for $300,000, and there is a house around the corner renting for $1,200 a month, divide $300,000 by $14,400 (the annual cost of renting). The ratio would be 20.8. A rent ratio above 20 means the cost of home ownership will exceed the cost of renting. The higher the P/R ratio, the more sense it makes to rent instead of buy.
Gardnerr, Whiting, & Malone 2BR/1BA $325/$150 The Willows Apartments 2BR/1BA-$515/$300 3BR/2BA-$595/$300
Ken Boler General Manager 888-9319
- You are young. The National Association of Realtors says the typical first-time home buyer is 31-years-old. People who are younger than that and uncertain about their futures should not feel pressured into buying simply because it is presumed to be the “adult� thing to do. Renting and feeling your financial way, which can include seeing how a job pans out or where your budget lies after paying off debts, might make more financial sense than buying.
1202 S HARDING APT A 1BR/1BA $220/MO
486643-1
204
Amber Jeffcoat Classified Sales Manager 888-9343
As with any financial decision, all of the options and circumstances need to be weighed before jumping in. Making a major purchase requires doing your homework. The following are some reasons why renting can be more beneficial than buying.
FSBO: 1019 NELMS RD., REDUCED, $135,500. 4BR/4BA, Kitchen, DR, Den, Formal LR, 2323 sqft, See Photos www.zillow. com or www.trulia.com 229-903-1725 OR Steve 931-2090213 or Debbie 931-209-4949
Apt/Dupl/Condo/ T’homs for Sale
Debi Griffin Multimedia Real Estate Rep 888-7653
(MCC) Conventional wisdom suggests buying a home makes more financial sense than renting. In many cases, this is true. However, renting is sometimes a smarter approach than buying.
318 B 2BD/2BTH $500.00
FSBO 730 W. GORDON, 4BR/2BA Brick Home, Fireplace, Selling AsIs, Serious Inquiries only. $30,000 OBO 229-888-0908
SUNDAY, MAY 14, 2017 • 7C
2BR, CH/A, appliances, in quiet park. $265/mo $250 deposit. 439-8841.
Reach Approximately 300,000 SW Georgia Readers in print & online CALL TODAY FOR DETAILS
229.888.9319
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- Home prices continue to rise. Some people find themselves being priced out of certain neighborhoods or cities. RealtyTrac recently analyzed median wage and home-price growth between 2012 and 2014, ultimately finding that, while the typical worker’s earnings increased a meager 0.3 percent during the study period, median house prices were up by 17 percent. Wages have not recovered from the Great Recession as quickly as home prices have, and some people may need to rent out of necessity. - A market shortage makes it harder to find an affordable home. The number of homes available for sale in many areas of the country has fallen below the number that realtors say is required for the market to be in balance. Therefore, even when a home becomes available, demand drives the price up to where it may not be affordable or fiscally smart to purchase. In such instances, renting may be the best option. - You don’t meet the buying criteria. Don’t buy a home based on market conditions or pressure from others. Instead, buy when you’re financially ready. This means being out of debt; having between three and six months of expenses in an emergency fund; enough cash for a 10 to 20 percent down payment on a fixed mortgage; and when your mortgage payment will be no more than 25 percent of your monthly take-home pay, according to financial expert Dave Ramsay. Renting can be a smart move in many instances. Only when individuals are financially and emotionally ready to buy should they begin searching for their first homes.
8C • SUNDAY, MAY 14, 2017
albanyherald.com
Photo courtesy of Getty Images
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FAMILY FEATURES
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MOSQUITOES’ FAVORITE HABITATS Because mosquitoes typically lay their eggs near water, places in the yard where water can pool up are often desired breeding grounds. These areas of stagnating water allow the mosquitoes a favorite spot, but there are some other areas around the house to be wary of as potential habitats: „
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Ornamental foliage. Keeping foliage like bushes and brush trimmed properly can help them maintain shape while also exposing them to more sunlight, helping to keep them dry. Low-hanging limbs. Trim limbs to a proper height so that they aren’t so close to the ground, which is more welcoming for mosquitoes. Ground covers. Certain plants, especially those with wide leaves, can sometimes hold water either on the leaf itself or in the axil, which is where the leaf meets the stem. Wood piles. Consider covering your wood pile tightly with a tarp to help block mosquitoes and other pests from invading. Mulched areas. Frequently disturbing mulch with a rake or other garden tool, especially when it’s wet after a rain, can deter mosquitoes from moving in by helping to dry out the underlying mulch. Hanging and potted plants. Just like other objects that can hold standing water, be sure to empty saucers underneath plants that could provide a water source.
NEW LISTING
NEW LISTING
NEW LISTING
1652 DISTRICT LINE RD
1702 SHARON AVE
2020 EVERGREEN
$152,500 RANDOLPH COUNTY 3BR / 2BA 1600 SQFT Hunter’s Dream! 10.5 Acres! RV Hook Ups, Custom built interiors! Possible 1000+acre hunting lease.
$109,900 GAILSHAR, DOUGHERTY 4BR / 2BA 2216 SQ FT Updated w/ new paint, appliances & flooring! New deck, fence & kennel.
$89,000 EVERGREEN, DOUGHERTY 3BR / 2BA 1464 SQFT Well maintained! Bonus room, patio w/ privacy wall, fence.
JUDY BOWLES 229-449-8710
DIANNE BARLOW 886-4777
MLS# 138483
MLS# 138492
NEW LISTING
NEW LISTING
DENISE BALLARD 364-0450 MLS# 138449
NEW LISTING
609 ARROWHEAD LN
1421 AVALON AVE
223 PHILEMA RD
$106,000 INDIAN CREEK, DOUGHERTY 3BR / 2.5BA 1812 SQFT ATTN 1ST TIME BUYERS! Privacy fence.
$40,000 AVALON, DOUGHERTY 3BR / 1BA 890 SQFT CALLING INVESTORS! Long term tenant!
$325,000 DOUGHERTY COUNTY 1.24 ACRES COMMERCIAL LAND WATERFRONT! Great location, lots of traffic!
BURTON NEWCOMB 886-1179
BURTON NEWCOMB 886-1179
MIKE FLYNN 376-2361
MLS# 138493
MLS# 138494
MLS#
484517-1
HOMES H OMES S FOR FOR SALE 217 Sunrise 3BR 1.5BA $57,000
91290 US Hwy 27N (Cuthbert) 3BR R 2BA $5,000
111 Northampton 4BR 2BA Pool, $185,000
188 Seabr Seabrook ook (vacant land, Sylvester) 11.6 1.6 AC $29,900
5601 IrIronwood onwood (vacant lot) 3.34 acres, acres, $55,0000
514 W Whitney h ney y 3BR 3ND 2BA 2 AI $16,990 $NG 16,990 ,990 9G PENDING P EN ND DI IN
Jefferson (commercial SF, 208 S. Jef fferson (commer cial bldg) 3505 SF F, $45,000 $445,000
4819 St Strawberry(Pelham) Straw aw wberry(Pelham) wberry(Pelham) rry(Pelham) rry( y(PPPelh elhham) aI am mNG m) ) 4Br BrG B 2BA $60,000 PENDING P ND N DI D IN N
906 Holloway 3BR 1BA $50,000
3972 Hwy 82 4BR 3BA $69,900
2904 AAveritt veritt 3BR 2BA $90,000
1321 AAugusta gusta uEN aND Dr 33BR D RI 22BA BN BA $80,900 $G P PENDING N D DI IN NG
1207 Hampton Ct 2BR 1.5BA $38,000
206 Barfield 4BR 1 BA $19,900
1209 Colquitt 2BR 1BA $17,900
142 Laurelbrook Laur aaur u eelbr elE b oooNDING ok 44BR BR 22B 2BA BN BA A $$107,000 1G 107,000 07,0000 PENDING P EN ND N D DI IN I NG
2931 Stonewater 3BR 2BA $100,000
126 White Horse 4BR 2.5BA $184,900 900
acres 5006 GA Hwy 300 (vacant land) 3 acr es $27,500 00
213 Lincoln incoln nco oln lEN n (Camilla) Camilla) C amiilD lla) la 3BR 3I 3B B BR R 1BA BG$$14,000 BA 4,000 PENDING P ND N DI IN NG N
3102 TTreasure reasure (Mobile home) 3BR 2BA $12,900 00
311 TTremont remont 3BR 1BA $20,000
Jeffery 1305 Jef eefPENDING ffery ryyEN (Bainbridge) (BaN ainbbridge) bD ggeI e)) N 3BR RG 2BA 2B BAA $69,000 PE P DI IN NG
2904 Dove AAve (Vacant ve (V Vacant LOT) 0.96 AC $10,000
484489-1
FOR RENT RENT:: 414 Johnny Williams lliams 3Br 2BA $720 mo $720 Deposit.
Ann A nn Thomas Thomas GRI
436-6628