4C • SUNDAY, OCTOBER 1, 2017
albanyherald.com
Stunning custom built Southern Living plantation home on private 2.87 acres in Nine Oaks! For the family with good taste and a desire for quality surroundings! Double foyer entry leads your guests to inviting living and great room. Be comfy cozy by the fireplace in beautiful 12’ ceiling great room with built-ins and cabinets. Offering spaciousness, the formal dining, with high ceilings and beautiful crown moldingsÉjust right for special moments. Great room and kitchen are perfect for the cook who does not want to be separated from family fun and guests. Large sunny backporch overlooks lovely yard with its natural woodsy background and fenced in acreage. Playroom or 5th bedroom and bath upstairs. Main bedroom suite provides a soothing oasis of special conveniences and comforts at day’s end. This 5 BR, 4 BA home has gourmet kitchen, with granite counters, stainless appliances and inviting breakfast area. Hardwood floors in most of home.....A rare beauty that is waiting to make your family a home that will create memories galore.
510832-1
COLDWELL BANKER WALDEN & KIRKLAND • Patsy Martin • (C) (229) 343-8197 • (H) (229) 883-3080 601 N. Slappey Drive • Albany GA 31701 • patsycmartin@aol.com • patsymartin.com
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 251 Mill Branch 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
LAKE BLACKSHEAR 356 Swift Creek
New C N Construction t tion On Lake Worth Blackshear W orth County, County, Excellent Fishing Area, 2 Bedrooms, Dock / Boathouse, Water, 100 Feet On W ater, Deck
$179,900 Call Allan 886-2828
LEESBURG 1387 Lovers Ln
LEESBURG 105 Ducker
2 Acres In Leesburg, 3 Br, Br, 2 Ba, Hardwood Floors, Fenced $113,500 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
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 2166 Lakeshore Ct 2 Bedroom 2 Baths, 1200 Views Square Feet, Great V iews In Water, Crisp County! 125 Ft On W ater, Nice Dock, Built In 2010 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 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
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
Crisp County County,, 1.11 1.11 Acres, 281 Feet On Water, Water, Restrictive Covenants $119,900 Call Allan 886-2828
L LEESBURG 244 W Winship Quail Pines i inship pQ S/D Lee County on 2.72 S/D Acres, 4 bedrooms 4BA, 5400 Square Ft. $320,900 Call Allan 886-2828
TERRELL 6455 Doverel Hwy, Hwy y, Dawson
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
ALBANY 1706 Devon
ALBANY 1804 Slappey ppey
Northwest Albany, Albany, 4 Br, Br, 3 Ba, Hardwood Floors, 1917 Square Ft, Double Garage $135,000 Call Allan 886-2828
Albany, Albany, Zoned Commercial, 1000 Square Ft, Great /RFDWLRQ 2I¿FH 6SDFHV $89,900 Call Allan 886-2828
P
EN
D
IN
G 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
albanyherald.com
SUNDAY, OCTOBER 1, 2017 • 5C
Homeowners Face Tax Hike Under ‘Big 6’ Plan Daily Real Estate News | Thursday, September 28, 2017
would mainly affect wealthier taxpayers, the outline would eliminate the alternative minimum tax and the estate tax.
Homeownership would no longer be a priority in the tax code if a reform plan released Wednesday by the Trump administration and congressional Republicans becomes law. The “Tax Reform Unified Framework,� known as the “Big 6� tax reform plan, is being touted as a way to cut taxes for the middle class. But it could hurt residential real estate by eliminating most itemized deductions in return for an increase in the standard deduction. Although on its face, the change would seem to help many taxpayers by nearly doubling the standard deduction to $12,000 for single taxpayers and $24,000 for married couples, most middle-income homeowners who currently itemize would likely pay higher taxes, according to National Association of REALTORSŽ estimates. That’s because the repeal of most itemized deductions, including the deduction for state and local taxes, would exceed what people would gain under the higher standard deduction—even if the deductions for mortgage interest and charitable contributions are left in place, which the outline calls for. In addition, the personal and dependency exemptions that taxpayers take today would be folded into the higher standard deduction, eradicating their
For corporations, the framework calls for lowering the top rate to 20 percent from 35 percent and lowering the top tax rate for socalled “pass-through entities� to 25 percent. Pass-through entities are taxed through the individual code and include limited liability companies, S corporations, and partnerships such as law firms and investment groups. Rules would be drawn up to prevent people from classifying personal income as business income to get the 25 percent pass-through rate. Other provisions call for immediate expensing of depreciable business assets except structures, limited to five years, and limiting the deductibility of interest on business loans for corporations.
benefit. NAR President William E. Brown said in a statement that REALTORSŽ favor tax reform without hurting homeownership and the transfer of real property, which are the backbone of the economy. “We have always said that tax reform—a worthy endeavor—should first do no harm to homeowners. The tax framework released by the Big 6 missed that goal. It recommends a backdoor elimination of the mortgage interest deduction for all but the top 5 percent, who would still itemize their deductions. When combined with the elimination of the state and local tax deduction, these efforts represent a tax increase on millions of middle-class homeowners.� The framework calls for lowering the top individual tax rate from 39.6 percent to 35 percent and consolidating all other tax brackets into two, one with a tax rate of 25 percent and the other with a rate of 12 percent. A fourth bracket of above 35 percent could be added for the highestincome households, but the details of that weren’t specified. There are currently seven tax brackets in the code. In changes that
HOW MUCH HOU HOUSE USE CAN YOU AFFORD? USE AFFOR RD? RD?
LENDER ER AB&T 229-446-22655
t Current Current mortgage rates. rates .PSUHBHF SBUFT DIBOHF DPOTUBOUMZ CBTFE PO UIF FDPOPNJD F GBDUPST UIBU BGGFDU :PV PSUHBHFT BNPOH JOWFTUPST MJLF 'SFEEJF PV DBO BGGFDU UIF EFNBOE GPS NPSUHBHFT NP 'SFEEJF .BD . :P USBDL NPSUHBHF SBUF USFOET BSLFU 4VSWFZ USFOET CZ GPMMPXJOH GPMMPXJJOH 'SFEEJF 'SFEEJF .BD T .BD T 1SJNBSZ .PSUHBHF .BSLFU .B 4VSWFZ
Last Update 09/21/17 1/17
t The amount of your down payment. paymentt. :PV :P PV XJMM IBWF UP NBLF B EPXOQBZNFOU EPXOQBZNFOU PG BU MFBTU QFSDFOU QFSDFOU PG UIF IPNF QVSDIBTF QVSDIBTF QSJDF F UP RVBMJGZ GPS B NPSUHBHF UIBU NFFUT 'SFEEJF 'SFEEJF .BD T .BD T SFRVJSFNFOUT QFSDFOU SFRVJSFNFOUT *G ZPV BSF E IBWJOH UP BSF BCMF UP QVU EPXO E QFSDFOU PS NPSF NPSF ZPV DBO BWPJE QBZ QSJWBUF NPSUHBHF JOTVSBODF 1.* 1.** SFEVDJOH SFEVDJOH ZPVS NPOUIMZ NPSUHBHF QBZNFOU QBZN NFOU
Ameris 229-434-45555
t Your Your ans. :PV :P PV TIPVME DPOTJEFS ZPVS DVSSFOU WJOH o current current lifestyle and future future plans. pla DVSSFOU MJWJOH MJW TUBOEBSET TUBOEBSET BT XFMM BT BOZ GVUVSF PS FYQFOTFT TVDI BT B XFEEJOH PS DPMMFHF HF UVJUJPO GVUVSF NBKPS NBKP DPMMFH "OE SFNFNCFS BGGPSE SFNFNCFS CVZ XIBU ZPV DBO DPNGPSUBCMZ D BGGPSE UPEBZ UPEBZ OPU ýWF ZFBST GSPN GS G PN OPX OPX 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 5P 5 P EFUFSNJOF IPX NVDI ZPV DBO BG BGGPSE GPSE E JU JT IFMQGVM UP GPMMPX UIF HVJEBODF BOE E LFZ SBUJPT MFOEFST VTF SFDPNNFOE UIBU ZPVS NPSUHBHF QBZNFOU t Housing Expense Ratio. -FOEFST SFDPNNFOE QSJODJQBM JOUFSFTU JOUFSFTU UBYFT BOE NPSUHBHF NPSUHBHF JOTVSBODF CF MFTT UIBO QFSDFOU QFSDFOU PG P ZPVS NPOUIMZ HSPTT HSPTT JODPNF t Debt-to-Income Ratio -FOEFST MPPL L UP TFF UIBU BMM ZPVS PUIFS EFCUT DSFEJU DSFEJU DBSET DBSET TUVEFOU MPBOT BMJNPOZ BMJNPOZ DIJME TVQQPSU TVQQPSUU DBS MPBOT BOE IPVTJOH FYQFOTFT BSF BSF MFTT MF FTT UIBO QFSDFOU QFSDFOU PG ZPVS NPOUIMZ HSPTT HSPTT JODPNF
љђŃ?ŃĄŃ&#x;Ń–Ń?ŃŽŃ™ љђŃ?ŃĄ Ń&#x;Ń–Ń?ŃŽŃ™ Ó• юѥѢŃ&#x;ŃŽŃ™ юѥѢŃ&#x;ŃŽŃ™ ŃŽŃ ŃœŃšŃ?юћіђŃ
Â’Â?¢ ˜Â? •‹Š—¢ ŞŞřȏŞřřŖ
Ž˜›Â?’Š ˜ Ž› ˜  Ž› Ĺš ĹšĹ™ĹœČŹĹ™Ĺ™Ĺ–Ĺš
Â’Â?Œ‘Ž•• ž–Â?Ž› ž– –Â?Ž› Ĺ?Ĺ› Ĺ›Ĺ&#x;ČŹĹ˜Ĺ˜Ĺ&#x;Ĺ— ĹšĹ™ĹœČŹĹ–Ĺ–Ĺ?Ĺ– Ĺ?Ĺ›Ĺ&#x;ČŹĹ˜Ĺ˜Ĺ&#x;Ĺ— ђљђŃ?Ń•ŃœŃ›Ń’ AT&T AT&T Residential 888-757-6500 Â Â Â ÇŻÂŠÄ´ÇŻÂŒÂ˜Â– žœ’—Žœœ ĹžĹœĹœČŹĹœĹ˜Ĺ–ČŹĹœĹ–Ĺ–Ĺ–
ћѥђŃ&#x;ћђѥ ћѥ Ń’Ń&#x; Ń&#x;ћђѥ Ń&#x;ŃœŃŁŃ–Ń‘Ń’Ń&#x;Ń
Ç Ç Çť ’Š•ȏž™ ĹžĹ–Ĺ–ČŹĹ˜ĹžĹžČŹĹ˜Ĺ– ĹžĹ–Ĺ–ČŹĹ˜ĹžĹžČŹĹ˜Ĺ–Ĺ˜Ĺ–Çź Ĺ–Ĺ˜Ĺ–Çź Çť ĹžĹ–Ĺ–ČŹĹ˜ĹžĹžČŹĹ˜Ĺ–Ĺ˜Ĺ–Çź Â Â Â ÇŻÂŠÄ´ÇŻÂŒÂ˜Â– Â Â Â ÇŻÂŠÄ´ÇŻÂŒÂ˜Â– •Š—Â?Ž• •Š—Â?ŽŽ• Ĺ—ČŹĹžĹ–Ĺ–ČŹĹ™ĹšĹ˜ČŹĹ?Ĺ›ĹœĹš Ń’Ń?ŃŚŃ?љіћє ŽŽ™ •‹Š •‹Š—¢ȏ ˜žÂ?‘Ž›Â?¢ Š—¢ȏ ˜žÂ?‘Ž›Â?¢ ŽŠžÂ?Â’Â?ž• ĹšĹ™Ĺ–ČŹĹ›Ĺ˜ ĹšĹ™Ĺ–ČŹĹ›Ĺ˜Ĺ›Ĺ? Ĺ˜Ĺ›Ĺ?
Ń?Ń•ŃœŃœŃ™ Ń?Ń•ŃœŃœ ŃœŃ™ Ń›Ń“ŃœŃ&#x;ŃšŃŽŃĄŃ–ŃœŃ›
˜žÂ?‘Ž›Â?¢ ˜ž—Â?¢ ž‹•’Œ Œ‘˜ Œ‘˜˜• ˜˜• Â˘ÂœÂ?Ž– ÂŽÂŽ ˜ž—Â?¢ Œ‘˜˜ Œ‘˜˜• ˜• Â˘ÂœÂ?Ž– ĹšĹ™Ĺ—ČŹĹ—Ĺ˜ĹœĹš Ĺ˜Ĺ˜Ĺ&#x;ČŹĹ&#x;Ĺ–Ĺ™ČŹĹ˜Ĺ—Ĺ–Ĺ– Ĺ˜Ĺ˜Ĺ&#x;ČŹĹ&#x;Ĺ–Ĺ™ČŹĹ˜Ĺ— Ĺ–Ĺ– юіљь Ń’Ń¤Ń Ń?ŃŽŃ?Ń’ Ń’Ń¤Ń Ń?ŃŽŃ?Ń’Ń&#x; Ń’Ń&#x; ÇťÂŒÂ’Â›ÂŒÂžÂ•ÂŠÂ?’˜— Â?Ž™Â?ÇŻÇź Â?Ž™Â? Çź ŞŞŞ ŞŞŞȏĹ&#x;Ĺ™Ĺ˜Ĺ˜ Ĺ&#x;Ĺ™Ĺ˜Ĺ˜
ŃĄŃ•Ń’Ń&#x; Ńš ŃšŃ?ŃœŃ&#x;ѥюћѥ ŃšŃ?ŃœŃ&#x;ѥюћѥ ѢњŃ?Ń’Ń&#x;Ń Ń˘ŃšŃ?Ń’Ń&#x;Ń
›’Â&#x;ÂŽÂ›Č‚Âœ Â’ÂŒ ›’Â&#x;ÂŽÂ›Č‚Âœ ’ŒŽ—œŽ ŒŽ—œŽ ž›ŽŠž ĹšĹ™Ĺ–ČŹĹšĹ˜Ĺ›Ĺ— ž žÂ?˜–˜Â?Â’Â&#x; Â&#x;ÂŽ ŠÂ? ŠÂ? ĜŒŽ ĹšĹ™Ĺ—ČŹĹ™Ĺ˜Ĺ›Ĺ› žÂ?˜–˜Â?Â’Â&#x;ÂŽ ÂŽÂŽÂ?Â’ÂœÂ?›ŠÂ?’˜— ĹšĹ™Ĺ—ČŹĹ™Ĺ˜ĹšĹ? ˜Â?Ž› ÂŽÂ?Â’ÂœÂ?›ŠÂ?’˜— •‹Š—¢ȏ ˜žÂ?‘Ž›Â?¢ ‘Š–‹Ž› ˜Â? ˜––Ž›ŒŽ ŚřŚȏŞĹ?Ĺ–Ĺ–Ĺ–
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 511462-1 51 1462-1
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 Life of USDA yr.. Po yr.. Points RARATE ATE RAATE Rate Annual Loan Margin 30 yr RATE Points oints 15 yr 100%
(No Points) (No Points)
3.75
Cap
Cap
Rate
Rate
yr.. 30 yr
3.00
-
-
-
-
3.5
0
0
0
0
3.875 3.25
-
-
-
-
3.375
0
3.125
0
3.625
3.75 3.125
-
-
-
-
3.625
0
3.375
0
3.625
3.875 3.625
-
-
-
-
3.625
-
3.375
-
-
Last Update 06/22/2017 /2017
Synovus Mortgage age 229-430-70377 Last Update 09/21/17 1/17
Bank of Camilla lla 229-294-20688 Last Update 07/20/17 0/17
3BUFT DBO CF SSFEVDFE FEVDFE XJUI EJTDPVOU QPJOUT 3BU 3BUFT UFT BS BSF F TVCKFDU UP DIBOHF VQPO O TIPSU OPUJDF BOE EJTDPVOU QPJOUT DPVME DIB BOHF GS FRVFOUMZ 0OF EJTDPVOU Q PJOU JT FRVBM UP POF QFS DFOUBHF F QPJOU PG UIF MPBO BNPVOU DIBOHF GSFRVFOUMZ QPJOU QFSDFOUBHF BOE JT QBJE XIF FO UIF MPBO JT DMPTFE .PTU MF FOEFST IBWF B WBSJFUZ PG QS PHSB BNT ORIGINA ATION FEE IS XIFO MFOEFST QSPHSBNT ORIGINATION NORMALL LY ONE E ADDITIONAL POINT T, BUT CAN V AR RY. .BYJNVN BNPVO OU GPS DPOWFOUJPOBM MPBO JT NORMALLY POINT, VARY. BNPVOU T o Participate P p in the column,, call 888-9333. For information on on specific p mortgage g g To pr ograms call The e Lender r. programs Lender.
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
—Robert Freedman, REALTORŽ Magazine
Subject T To o Change Chan nge Upon Short Notice Notiice
tY Your our annual gr gross oss income. : :PV PV DBO P O HFU B WFSZ SSPVHI PVHI FTUJNBUF PG ZPVS BG BGGPSEBCMF GPSEBCMF E IPNF QSJDF SBOHF CZ NVMUJQMZJOH ZPVSS BOOVBM HS PTT JODPNF CZ 'PS FYBN QMF JG ZPVS HSPTT FYBNQMF BOOVBM HSPTT HSPTT JODPNF JT ZPV NBZ CF BCMF UP BGGPSE BGGPSE B IPNF XPSUI UIJT WBSJFT EFQFOEJOH PO DVSSFOU DVSSFOU JOUFSFTU JOUFSFTU SBUFT ZPVS EFCU BOE DSFEJU DSFEJU IJTUPSZ
IJTUPSZ
t The type of home your are are purchasing. purchas sing. *G ZPV BSF BSF MPPLJOH UP CVZ B DPOEPNJOJVN DPOEPN NJOJVN LFFQ JO NJOE UIBU SBUFT BSF HFU GPS BSF UZQJDBMMZ IJHIFSS GPS UIFTF MPBOT BOE ZPV MM IBWF UP CVEHFU CVEH GPS UIF DPTU PG ZPVS NPOUIMZ DPOEPNJOJVN GFF GF FF
The outline is the starting point for drafting legislation that lawmakers will eventually vote on. Sen. Orrin Hatch (R-Utah), chair of the Senate Finance Committee, said at a hearing last week that he wants the process to be as bipartisan as possible. At that hearing, Iona Harrison, a real estate practitioner in Upper Marlboro, Md., testified that real estate must be protected because it’s essential to communities and economic growth. “We want to be sure the economic engine of homeownership and the transfer of real property in this country remain unfettered,� she said at the hearing.
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:
t Your Your :P PVS DSFEJU DSFEJU DBO BGGFDU PS B o credit credit history and score. score. :PVS BGGFDU ZPVS BCJMJUZ UP RVBMJGZ GPS GP NPSUHBHF BOE ZPVS NPSUHBHF SBUF #FGPSF #FGPSF ZPV TIPQ GPS B IPVTF PS B NPSUHBHF NPSUHBH HF ýOE PVU 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 nce a year because your score scorre can be negatively ne egatively affected if pulled too often.
Among credits that are singled out for preserving—rather than repealing—is the low-income housing tax credit, which gives businesses an incentive to invest equity in housing developments that are affordable to low-income renters. The plan laid out no details on the fate of 1031 like-kind exchanges. However, the document specifies that many, if not most, business deductions will be curtailed or repealed.
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 71 277 278 303 319 327 287 295 311 319 332 335 345 365 375 398 325 355 37 75 387 371 403 42 23 442 382 393 413 423 455 430 444 472 486 512 417 458 48 86 497 478 492 520 534 512 464 506 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, OCTOBER 1, 2017
albanyherald.com
Builders: Green Homes Are Going Mainstream Daily Real Estate News | Thursday, September 28, 2017
chairman. “It is no longer a niche business; our members recognize the value of building green and are incorporating these elements into their standard business practices.”
Green home construction has moved into the mainstream among single-family and multifamily home builders, according to the new report “Green Multifamily and Single Family Homes 2017 SmartMarketBrief.” The report was conducted by Dodge Data & Analytics in conjunction with the National Association of Home Builders.
Builders report the top drivers to building more green has been due to customer demand, greater availability and affordability of green products, the prospect of producing a higher quality home, and appraisers recognizing the greater value in green homes.
At least one-third of builders surveyed say green building is a significant share of their overall activity (more than 60 percent of their portfolio), according to the report. By 2022, this number is expected to increase to nearly one half in both the single-family and multifamily sectors.
The most common method of improving the performance of a green home is increasing a home’s energy efficiency, followed by creating a healthy indoor living environment, according to the report.
of this factor continue to grow,” says Steve Jones, Dodge’s senior director of industry insights research. Builders report an increase in customer demand for net zero homes too. More builders are reporting developing net zero homes or have plans to build one soon. Twenty-nine percent of singlefamily home builders say they’ve built a net zero home in the past two years; 44 percent plan to do so in the next two years. Builders are becoming less concerned about the higher startup costs of building a green home. More builders believe consumers will pay more for a green building.
“These findings show that green building “As consumers become more familiar has become an established part of the residential construction landscape,” says with the impact that their homes can have on their health and well-being, we Granger MacDonald, the NAHB’s
Source: “Green Multifamily and Single Family Homes 2017,” National Association of Home wouldn’t be surprised to see the influence Builders (Sept. 27, 2017)
W ho’ss W h ho Who’s Who IIn nM ortgage g L ending e end i ing Mortgage Lending L ay tthe he F oundation ffor or a Fi inanciallly Secure Securee Future Futuree w ith the the Right Right M ortga age Lay Foundation Financially with Mortgage
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 0373 Leslie.Collins@abtgold.com @abtgold.com NMLS: 851247
510843-1
Call 888-9340 to place your Mortgage Company Ad Here
510844-1
BANK OF CAMILLA
2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net
2815 Meredyth Drive, D Albany y, GA Albany,
(229) 446-2265 6-2265
137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (800)807-0205 Lcannon@colonybank.com NMLS #740761 www.colonybank.com 510842 1 510842-1
510840-1
Ca all Call 510841-1
510845-1
Call 888-9340 to place your Mortgage Company Ad Here 510847-1
Call 888-9340 to place your Mortgage Company Ad Here 510848-1
to pl lace la ce place yyour our Mortgage our Moortg ortgage age Com Comp pany a Ad Company He re Here 510846-1
510839-1 51 5 510839 10839 1 1
888-9 9340 888-9340
ALB_100117_class_re_Layout 1 09/28/17 7:18 PM Page 7
albanyherald.com
REAL ESTATE
240 Houses for Rent
240 Houses for Rent
SUNDAY, OCTOBER 1, 2017 • 7C
248 Apt/Dupl/Condo/ T’homs for Rent
SH HARE YOUR HAPPY PPY NEW E S! Announce your wedding in The he Albany Herald
nouncement nt nt $20 - Announcement
202 Houses for Sale
Write-up Onlyy,, No Photo
nouncemen nt $35 - Announcement
3BD 3BA in River Point (on the golf course) $245k 229-395-2692
Small Photo with Write-up
nounceme t $50 - Announcement
Farms, Lots & 214 Acreage for Sale
Large Photo o with W
1203 WHISPERING PINES ALBANY, GA 31707 AV MORE A VAILABLE WWW.RENT TALBANYGA.COM MON-FRI 9AM-5PM
LEE COUNTY---PRICED REDUCED! 85 acres in great location for big bucks. Cabin, food plots and & CRP income. Allied Land 759-1023.
AT TTN We or em
eadline adl dlliin d ne for ffo or Sunday’ Su S unday’ nday’ day’ d ay y’’’ss p y pu publication ub blication lication icca ation tion ion on is n no llater ater te er than tth ha an Monday onday nday day ay at a noon noo n oo on prior riio or to t The T he de tthe he S Su Sunday unday nday day d ay y of of desir de d essiirred ed insertion. iin nsse errti tiio on n. All All announcements nno no ou uncements nce ce em me en ntts must ust st be pr prepaid. aid. id d.
DUPLEXES/ TRIPLEXES / QUADS 519-B Flint A Av ve. 1BR/1BA $375/$300 (SPECIAL) 401-B Lucille St. 2BR/1BA $455/$355 (SPECIAL) 428-B KINGSWOOD 2BR/1BA $575/$40 0(SEPCIAL)
Call Amber for all your Classified Advertising needs 888-9343
1108-B 4TH Ave 2BR/1BA $450/$350(SPECIAL)
220 Commercial Property for Sale
Gardner,, Whiting, & Malone 2BR/1BA $325/$150
109-A MAGNOLIA 3BR/2BA $825/MO $80 0 dep.(SPECIAL)
The Willows Apartments 2BR/1BA-$515/$300 3BR/2BA-$650/$300
101 A & B National 3BR/2BA $70 0/$60 0(SPECIAL)
1603 Northwood Dr r.. 3BR/2BA $975/$500
APARTMENTS
CHURCH FOR Sale 1111 5th avenue 17,680 sqft. 42 pews, balcony, banquet and board room, large wing for school, courtyard, and fully equipped kitchen. $279k FIRM 229-894-2404 OR 229-869-3554
SOUTH COUNTY LINE ROAD AT THOMAS ROAD DOUGHERTY COUNTY, GA
151-B Ravenwood Ct 3BR/2BA $800/$500 (Lee Co.)
FOR INFORMATION CONTACT: HALSTEAD FORESTRY & REALTY, INC. RONALD HALSTEAD, BROKER 229-336-6046 RONHALSTEAD@ CAMILLAGA.NET
1, 2 & 3/BR
412 Bush 3BR/1BA $495/$495
1900-B W W.. Broad 2BR/1BA $395/$200
896 Crawford-Dawson 2BR/1BA $425/$350
Near Marine Base 3BR-$825/month
10816-1
APARTMENTS
CALL TODAY FOR DETAILS
229.888.9319
Sponsored by: SCNI - Southern Community Newspapers, Inc.
229-432-9351
511375-1
Nottingham North Apartments
B&B Rental Agency 197 Canal Street Leesburg GA 31763 3 bed / 2 bath - Sqft 1425 $900 per month
320Âą Acres
1,2,3 Bedroom Lofts, Flats & Townhomes
2221-A Bedford Ct. 3BR/2BA Duplex - 1667 sqft for $850.00 per month
1052 Wrights Chapel Rd, Worth County, GA
Č— 3 '' )/ - /$*) ' & Agricultural Tract Č— 0) )/ -*+' ) ) $( -' ) Č— --$*- - & -*)/ " #-*0"#*0/ Č— - # )/ ' $) ) Hardwood Timber
1516 Westwood Dr. 3BR/2BA Home - 1540 sqft for $950.00 per month
511377-1
229-435-5216
Reach Approximately 300,000 SW Georgia Readers in print & online
NOTTINGHAM APARTMENTS
229-436-9096
2401 NOTTINGHAM WAY
509183-1
2616 Lansing Dr. 3BR / 2BA - 1662 sqft For $1,100 per month 1900 Jones Ave 3BR / 1BA - 1456 sqft For $650 per month *includes washer and dryer*
Ends Thurs., October 12th 800.323.8388 | RowellAuctions.com A MarkNet Alliance ( - Č— 10% BP Č— GAL AU-C002594
1901 Palmyra Rd, Albany Office Bldg - 2071 sqft 5BR / 1BA / 2 half baths for $1,800 per month 1201 Hiltop (in law suite) 1BR/1BA Home - 500 sqft for $600.00 per month 455 Henry Mitchell Dr NE, Dawson GA 39842 Log cabin style home 3BR/ 2BA - 1200 sqft for $650 per month 1204 Toledo Dr. Warehouse Space available 3000 sqft $650.00 per month 804 Twenty First Ave. 4840 sqft $1200.00 per month Business office/distribution or Church space ready
2 and 3 Bedroom Townhomes 2507 Nottingham Way Northwest Albany “Call For More Info�
511380-1
240 Houses for Rent
New Homes for Lease
Medical Dental Fitness Insurance Medical Supplies Pharmacy Tips Education Training
3516 Moss Island Ct. 3BR/2BA $1085/$10 0 0 (SPECIAL)
1700 A Avalon valon 2BR/1BA $435/$300
511007-1
MID-TOWN ALBANY: 2 BR/1 BA Coach house with large storage area. $525/Mo. Call RMS @ 229-639-0171
COPY TODAY
3131 Cane Mill 3BR/2BA $1125/$1025(SPECIAL)
503 N. Cleveland 2BR/1BA $475/$475
3100-U Crepe Myrtle 1BR/1BA $495/$495
FREE
3709 Countryside Dr. 3BR/2BA $725/$625(SPECIAL)
812 Rosedale 3BR/1BA $550/$400
Rosebrier Gardens
Pick Up Your
125 Alder Dr. 3BR/2BA $1285/$120 0 (SPECIAL)
1112-B Auburn 2BR/1BA $475/$250
REAL ESTATE
3BR, RADIUM Springs area, $795/ mo. Call 229-395-2692 NO PETS
2535 Bascom 3BR/2BA $895/$795 ( SPECIAL)
2205 Kirkwood 3 BR/3BA $800/$500
SELLER RETAINS THE RIGHT TO REFUSE AND REJECT ANY AND ALL BIDS.
2BD 1BA CHA kitchen, dining room, den, & wash room $435 for rent and dep $20 app. fee 961 South Street (Albany) 229-894-1417
230 Glade Lane 3BR/2BA $885/$80 0 (SPECIAL)
3102 W ax Myrtle Wax 3BR/2BA $980/$550 2208-A Stuart Ave 2BR/1.5BA $475/$250
M O N T H LY M AG A Z I N E MONTHLY MAGAZINE
*HOUSES*
160 Tallassee Trail 4BA/2BA $1300/$800 (Lee Co)
OCTOBER 20, 2017 10:30 A.M. ON SITE
h e a l t h beat health beat
515-B Seventh A Av ve. 2BR/1BA $495/$395 (SPECIAL)
2909 Gillionville #16 1BR/1BA $475/$300
SEALED BID SALE 231.98 ACRES 170+/- ACRES UNDER PIVOT
SW G EORGIA SW GEORGIA
1112-F Wingate Av Ave. 3BR/1BA $285/$200 (SPECIAL)
940 West St (Sylvester) 3/2BR/1BA $600/$400
226 Real Estate Auctions
240 Houses for Rent
2024 OGLETHORPE #18 2BR/1BA $495/$40 0 (SPECIAL)
180 Dunaway 3/4 BR/2 BA $1150/$850 (Lee Co)
Let THE ALBANY HERALD CLASSIFIEDS Work for You! Remember to place your yard sale!
Roommate Wanted/ 262 Room for Rent FURNISHED ROOMS starting at $490/mo Includes WG&L, Internet, CHA, Cable, W&D, Alarm (near ASU) 229-881-2333
Call (229) 888-9333 or E-mail: class@albanyherald.com
909 River Pointe Dr. 3BR/2.5BA - 2,492 sqft for $2,000/month 2606-B Pointe North Blvd 2 bed/1 bath Duplex $500/month
509427-1
2615 East Doublegate Dr. Albany, GA 31721 4 bed/3 bath $1,800 per month Backyard views of Doublegate’s golf course
510830-1
117-D Mitchell Ave Albany, GA 31705 1 bed/1 bath quadriplex unit $350 per month Lawn care and water/sewer provided Close to Albany State University
Planning a yard sale? Boost your profits with an Ad in the Classifieds!
8C • SUNDAY, OCTOBER 1, 2017
albanyherald.com
homeowners more happy. Eighty-one percent of remodeling consumers surveyed said they had a greater desire to be at home since completing their kitchen upgrade project, and 81 percent felt a major sense of accomplishment after the renovation. The following interior projects REALTORS® ranked highest to lowest as remodeling projects that would appeal to home buyers (listed along with project estimate costs and the potential return on investment at resale): 1. COMPLETE KITCHEN RENOVATION Cost estimate: $65,000 REALTORS® estimated cost recovered: $40,000 Percent of value recovered from the project: 62% 2. KITCHEN UPGRADE Cost estimate: $35,000 REALTORS® estimated cost recovered: $20,000 Percent of value recovered from the project: 57% 3. BATHROOM RENOVATION Cost estimate: $30,000 REALTORS® estimated cost recovered: $15,000 Percent of value recovered from the project: 50%
Homeowners looking for a remodeling project may be smart to tackle a kitchen renovation—that is, if they’re looking for projects with the strongest buyer appeal and high returns on their investment at resale. Kitchen renovations and upgrades are among the top remodeling projects most likely to add value to a home at resale and most likely to appeal to home shoppers, according to the 2017 Remodeling Impact Report, conducted by the National Association of REALTORS®. The report takes a look at the cost of the most common exterior and interior remodeling and replacement projects and gauges how much appeal they have to buyers at resale. Fifty-four percent of REALTORS® surveyed reported suggesting to sellers that they complete a kitchen upgrade before attempting to sell. Twenty-three percent of real estate pros also said a kitchen renovation helped to close a sale. The Remodeling Impact Report estimates that homeowners stand to recover 57 percent—or $20,000—of the $35,000 or so of the cost to take on a kitchen upgrade. The kitchen upgrade might include adding new energy-efficient appliances, sink, faucet, and vinyl flooring; repainting the walls and ceiling; and refacing cabinets with cherry veneer and new hardware. Kitchen upgrades don’t just offer the potential for some bang for your buck at resale but also have been found to make
4. NEW WOOD FLOORING Estimated cost: $5,500 REALTORS® estimated cost recovered: $5,000 Percent of value recovered from the project: 91% 5. ADD NEW BATHROOM Cost estimate of project: $59,000 REALTORS® estimated cost recovered: $29,750 Percent of value recovered from the project: 50% 6. HARDWOOD FLOORING REFINISH Estimated cost: $3,000 REALTORS® estimated cost recovered: $3,000 Percent of value recovered from the project: 100% 7. NEW MASTER SUITE/OWNERS’ SUITE Cost estimate: $125,000 REALTORS® estimated cost recovered: $65,000 Percent of value recovered from the project: 52% 8. HVAC REPLACEMENT Estimated cost: $7,475 REALTORS® estimated cost recovered: $5,000 Percent of value recovered from the project: 67% 9. BASEMENT CONVERSION TO LIVING AREA Cost estimate: $40,000 REALTORS® estimated cost recovered: $25,000 Percent of value recovered from the project: 63% 10. CLOSET RENOVATION Estimated cost: $3,750 REALTORS® estimated cost recovered: $2,000 Percent of value recovered from the project: 53% 11. INSULATION UPGRADE Estimated cost: $2,100 REALTORS® estimated cost recovered: $1,600 Percent of value recovered from the project: 76%
WHAT A VIEW
POOL & CREEK SIDE
COUNTRY LIVING
1007 MILFORD
734 CREEKSIDE DRIVE
128 ASCOT WAY
$222,900 DUGAN, BAKER 4BR / 2BA 1,728 SQFT ON THE CREEK! Deck, dock, walkways! Separate Guest House!
$195,000 PINE ACRES, LEE COUNTY 3BR / 3BA 1,988 SQFT Kayakers’ Dream! Priced Below Appraised Value!
$182,900 TERRELL COUNTY 3BR / 3.5BA 2,212 SQFT 4.05 ACRES! Quiet Neighborhood!
WILLIAM JACKSON 344-3029
Terri Kerrey 894-3050
MARK DANIELS 347-3454
MLS # 137530
MLS# 135017
MLS # 139065
HIGH VISIBILITY
HORSES WELCOME
PRE-INSPECTED & REPAIRS MADE!
PHILEMA ROAD
2802 FORRESTER ROAD
3602 PARR ROAD
$170,000 LEE COUNTY 17.1 ACRES ZONED AGRICULTURAL!
$139,900 DOUGHERTY COUNTY 27.33 ACRES Wooded lot! Great place to build your dream home!
$95,000 PARR-TOLBERT, DOUGHERTY 3BR / 2BA 1,370 SQFT New HVAC, windows, vinyl siding, shutters, roof & more!
MIKE FLYNN 376-2361
DIANNE BARLOW 886-4777
ERICA NEPOTE 395-6861
MLS# 138373
MLS# 139397
MLS# 139395
510811-1
12. ATTIC CONVERSION TO LIVING AREA Estimated cost: $75,000 REALTORS® estimated cost recovered: $40,000 Percent of value recovered from the project: 53%
HOMES H OMES S FOR FOR SALE 217 Sunrise 3BR 1.5BA $50,000
1204 Lee St 3BR 1BA $20,000
111 Northampton 4BR 2BA Pool, $185,000
remont mont m onttEN RN BD BA $$20,000 $220,000 0NG 0,000 , 0G 311 TTremont 3BR 1BA PENDING PE PENDIN P ND DI I IN
5601 IrIronwood onwood (vacant lot) 3.34 acres, acres, $55,0000
ve (V Vacant LOT) 0.96 AC $10,000 2904 Dove AAve (Vacant
Jefferson (commercial SF, 208 S. Jef fferson (commer cial bldg) 3505 SF F, $45,000 $445,000
7967 Slash aPENDING sshh R Rd d ((Camilla) C Camilla) m milla) illa) l a) I 33BR BNG BR 2BA 2G BA PE P EN N ND D DI IN
906 Holloway 3BR 1BA $50,000
(Mobile home) on 6 AC
2904 AAveritt veritt 3BR 2BA $90,000
2200 Oakridge 3BR 2.5BA $49,000
1207 Hampton Ct 2BR 1.5BA $38,000
valon 3BR 2BA $49,000 1703 AAvalon
415 Janes Ln (Ochlochnee) 3BR 2BA $155,0000
2511 Big Oak (Mobile Home) 4BR 2BA $40,000
5006 GA Hwy 300 (vacant land) 3 acr es $27,500 00 acres
1605 Gillespie 3BR 1.5BA (income unit in rrear) ear) $55,000
3102 TTreasure reasure (Mobile home) 3BR 2BA $8,9000
226 Pineknoll kknoll n lll OL Rd R (Sylvester) ((SL S lvester) ve ter) 4BR 2BA $57,200 vester) SO SOLD S LD
714 Graves Springs (Leesbur (Leesburg) g) 3BR 1BA $55,200
142 Katie LLynn ynn (Leesburg) (Leesburg) 3BR 1BA $60,000. 0,000.
GRI
3972 Hwy 822PENDIN 4BR 4B BEN BR 3BA 33B BA $69,900 $$69, 69,,900 99000 0NG 0 PENDING P PE ND N DI D IN ING N
667 Pineview vview ew EN NE N (Dawson) ((D Daw D ws wson) son) )I 3BR 3BBR BNG 2BA BG$23,999 BA $223,999 PE PENDING P ND N D DI IN N
436-6628
510818-1
FOR RENT RENT:: 414 Johnny Williams lliams 3BR 2BA $650 mo $720 Deposit.
Ann A nn Thomas Thomas