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King Mattress Set $299.07

Washer/Dryer Set $399.07

2 THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com

5 simple tips to prepare your home for flood season The No. 1 natural disaster in the U.S. is floods: Is your home ready?

(BPT) - After a winter of frigid temperatures and record snowfalls, the nation now faces the spring thaw and long, rainy months. Flood season is officially here – is your home ready for it? Floods are the most common natural disaster in the United States. Over the past five years, the average flood insurance claim was more than $35,000, according to FEMA.gov. If you

or someone you know has ever experienced a flood, you know that cleanup can require a massive effort. The best defense against flooding is a proactive approach. Consider these flood tips to prepare your home and family for flood season: 1. Get a shop vac Every home that is susceptible to water and moisture should have a reliable shop vac. This type of vacuum

435-1717

www.lakeblackshear.com

Vonnice Brown 344-4700

Chuck Willcox 435-1717

Allan Willcox 435-1717

Jennifer Blount 349-0929

2031 N. Slappey Blvd Albany, GA

Mandy Chambers 886-1853

Tippin Heiden 395-0199

Paul Powell 347-9829

Kathy Slaughter 347-8650

Betty Townsell 881-2665

sucks up water quickly and efficiently. Keep in mind, flood cleanup must be done quickly within the first 48 hours to avoid mold growth and extensive property damage. 2. Test your sump pump Take the time now to test your sump pump. Simply lift the float on the side of the pump and listen for the pump to turn on; that noise indicates your pump is working correctly. Next, install a water alarm that will let you know if water is accumulating in your basement. An alarm like AdvanTEXT from WAYNE Pumps sends text messages to up to three people in the event of power outages or high water levels. If you are away from home or even out of town, you can take immediate action to protect your property, rather than unknowingly coming home to a flooded basement. Visit www.waynepumps.com/preventflooding for more information.

3. Seal cracks Seal the cracks in the basement floor and foundation to prevent water seepage when the water table gets too high. Similarly, if you have concrete walls, be sure to seal those cracks as well. This is a simple DIY task that can be done using a variety of affordable sealant materials available at home improvement stores. 4. Prepare and protect Irreplaceable items and heirlooms should always be kept on high shelving. Additionally, keep important documents in a safe place like a waterproof container. If you live in a flood-prone area, consider raising electrical sockets, fuse boxes and wiring 12 inches or more above the flood elevation. Finally, make sure gutters and downspouts are clear of debris so water can flow freely away from your home. See Floods, page 4

Lake Blackshear, Great Come live at the lake! Excellent Location! Furniture Come enjoy the lake! Dock Circle - Large lot with Dock Great Weekend Place! 1800 Square FT, 3 Bedroom Views on High Bluff! New $245,000, included 3 Bedroom 2 Bath, with boat lifts, 90 Feet on the and Boathouse, over 100 2 BA, Boat ramp and dock, roof and paint, 3 BR, 2 2 Bedroom, 1 Bath, Sunroom, Dock with boat & water, 2 Bedroom, 2 Bath, feet on water, 3 Bedroom, Large Family Room with BA, garage, 300 ft on Dock / Seawall, jet ski lifts, Screened Porch, Tiled floors, Metal roof. Seawall , $395,000 high ceilings, $350,000 water $395,000

$345,000

MLS# 130666 $329,000

MLS# 129728

Call Chuck 886-2521 MLS# 130667

Large Sunroom,

MLS# 130535

MLS# 130577

REDUCED

Huntingdon S/D $145,000, 1730 Square FT, 4 Bedroom, Double Garage

MLS# 130865

REDUCED! Foreclosure in Leesburg, 3br/2ba brick home. $259,900, 4 or 5 Bedroom, 3 Baths, 3500 Square FT, Specialty ceilings, fireplace, formal dining room, eat in Double Garage kitchen, fenced yard. $168,500 MLS# 130324

Leesburg - $89,900, completely updated! On 1 acre, All appliances, 3 BR 2 BA, eat in kitchen, brick home, carport plenty of cabinets space and storage.

$177,900 Leesburg, North Highland Lee County beautiful brick Crossing S/D, 3 Bedroom, home in Doublegate SD. 3br 2.5ba, fireplace, screened 2 Bath over 1600 Square FT, Updated, $139,900 porch, fenced yard, on one acre lot! MLS #130027

883-6100

Dianne Barlow 886-4777

Lisa Bartlett 214-0005

Judy Bowles 449-8710

Mark Daniels 347-3454

Thomasine Dye-Thomas

432-5527

Mike Flynn 376-2361

Susie Hardin 291-3977

William Jackson 344-3029

Terri Kerrey 894-3050

Erica Nepote 395-6861

Raines Watkins 291-5303

Kristy Wingate 343-4663

MLS# 130799

MLS # 130108

PENDING

Reduced Great Investment! $36,900 3 bedroom 1 bath, 1400 Square ft

Northwest Albany Foreclosure, $99,900, 2031 Square FT, 3 Bedroom, Fenced

Northwest Albany, 3 Bedroom 2 BA, 1962 Square FT, Formal Dining Room, Large Family RM, Den $125,000

Foreclosure Northwest Albany! $77,500, 3 Bedroom, 2 Bath, 1530 Square FT

MLS# 130363

MLS# 130824

MLS# 130534

MLS# 130306

Lake Park, $107,000, 1798 SQ. FT. 3 BR, 2 BA

Beautiful brick home 4br 2.5ba with bonus room, fireplace, granite counters, eat in kitchen, pool, hot tub, wet bar, 2 car garage & more! $194,900 MLS#130576

$149,000 3BR / 2BA 1773 SF Blt in Entertainment Area Split BR Design, Large Kitchen

$479,000 4BR / 4BA 4395 SF 10FT Ceiling,Huge Master Suite Large Gameroom / Office

$138,900 3BR / 2BA 1617 SF Vaulted Ceiling in Greatroom Nice walk in Pantry,Garage

MLS # 129503

MLS # 130740

MLS # 130091 Owner / Agent

$54,900 3BR / 2BA 1155 SF New Roof, Freshly painted Fireplace, Eat in Kitchen

$69,000 On the Square In Cuthbert 1550 SF Retail Location Chock full of Character

$8,000 Nearly 1 Acre lot Affordable Residential Location Utilities in Area

MLS # 125024

MLS # 130528

MLS # 130269

LOTS FOR SALE LAKE BLACKSHEAR 100 ft. on the Water. Great Views Call Chuck 886-2521

150 ft. Right on the Water. Call Allan 886-2828

Open lot with more than 120 ft. of waterfront property. Includes dock.

150 ft. of Water Front 1.11 acres w/more than Property, Well or City 280 ft. Overlooking Water. Very Good Water Location. 196 ft. Water Front. Water, Sep. Tank

Call Allan 886-2828

Several Lots in New Subdivision. Restrictive Covenants, Excellent Neighborhood. Water Front Lots Start at .

130 ft. on Main Lake. Call Chuck 886-2521

1.16 acre,

100 ft. Water Front, 0.8 Acre

THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com 3

WHO’S WHO IN MORTGAGE LENDING NATIONAL BANK Member FDIC

Jamie Parker 364-4121

Mortgage Loan Originator

Jamie.Parker @abtgold.com NMLS: 215724

www.abtgold.com

Marilyn Odum 886-0137

Marilyn.Odum@abtgold.com NMLS: 510529

2815 Meredyth Avenue, Albany, GA

(229) 446-2265

©Regions Bank, Member FDIC. Regions is a registered service mark of Regions Asset Company and is used under license. Subject to qualification, required documentation and credit approval. Certain exclusion may apply. Loan terms and availability subject to change. The Annual Percentage Rate on all adjustable rate mortgages is subject to change after consummation period. 3/29/11

Patrick Williams

Your Mortgage Specialist Here

Loan Officer

Mortgage Specialist

2609 Ledo Road ~ Albany, GA 31707 T: (229)436-9000 F: (229)483-9003 Cell: (229)395-3051 pwilliams@colonybank.com NMLS #740704 www.colonybank.com

2910 MEREDYTH DRIVE ALBANY, GA - (229) 903-1400

Lisa Cannon

Loan Officer ~ Office Manager

Contact

Debi Griffin today for Next Sunday 888-7653

137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (229)759-2808 lcannon@colonybank.com NMLS #740761 www.colonybank.com

Lay the Foundation for a Financially Secure Future with the Right Mortgage

4 THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com

Floods

Continued from page 2

5. Update insurance Homeowners and renters insurance typically do not cover losses due to flooding. You must purchase additional insurance or riders specific to flood coverage, if available to you, in order to protect your property from this type of water damage. Call your insurance agent today to discuss options, and keep in mind it typically takes 30 days

Call us 24/7 for the Agent on Duty!

after the purchase of flood insurance before it goes into effect. In addition to preparing your home against floods, it’s smart to prepare your family as well. Make sure all members know how to react to water within the house. For homes with the AdvanTEXT alarm system, make sure those who receive text warnings communicate with each other and have a plan for checking the home and cleaning up excess water, if necessary, before it damages the property.

of albany, inc.

A gated community in Leesburg that is great for . Offers security and convenience for all needs.

EQUAL HOUSING OPPORTUNITY

RENTALS • OFFICE SPACE • RETAIL SPACE FOR LEASE

CrossKeys Shopping Center

1023 Broad Ave

Retail Store Front 1,700 SF - Owner is a licensed Real Estate Agent in the state of Georgia MURRAY M. WEBB & ASSC. 0-229-446-8802 / C-229-343-0243

5,000 SF - Excellent Location Owner is a licensed Real Estate agent in the State of Georgia MURRAY M. WEBB & ASSC. 0-229-446-8802 / C-229-343-0243

FOR SALE OR LEASE

Information Center: 173 Peach Avenue~Leesburg, Georgia Monday-Saturday: 11:00 a.m. - 6:00 p.m. Sunday: 1:00 p.m. - 6:00 p.m. Call 229-886-3006 • 229-881-0434 • 229-343-1412 www.plantationbuilders.com

FOR LEASE

COMMERCIAL LISTINGS $

1604 Oakridge Drive

5,700 SF, 2.5 AC, Loading dock, easy Access to Newton Road and Us Hwy 19. Owner is a licensed Real Estate agent in the state of Ga. MURRAY M. WEBB & ASSC. 0-229-446-8802 / C-229-343-0243

15.00

Call Debi Griffin today for next Sunday 229-888-7653

THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com 5

INSURANCE COSTS PROPERTY TAXES Home Value

Contents Value

Monthly Premium

$100,000

$80,000

$24

125,000

100,000

150,000

120,000

175,000

140,000

200,000

160,000

225,000

180,000

250,000

200,000

Home Value $

Based on 1999 Brick Veneer home in Albany. Includes replacement contents with $300,000 Liability. Has $500 deductible. Compliments of Copelan Insurance Agency, Inc.

60,000

Lee

Dougherty

7581

7539

6749

7249

5949

5319

80,000

10468

10052

8999

9666

7932

7092

100,000

13086

12565

11249

12082

9915

8866

150,000

19629

18848

16873

18124

14873

13299

200,000

26172

25131

22498

24165

19831

17732

250,000

22165

327

314

281

302

247

Calculations based on 2002 mileage rate -- monthly payments multiply value of home times 40%, multiply answer time mileage rate divide by twelve for monthly payment These are ESTIMATED tax rates. They are based upon 2002 millage rates for each city and county and include school tax. The Homestead Exemption discount is not included.

HOW MUCH HOUSE CAN YOU AFFORD? Monthly Gross Income

Maximum • Mortgage Payment

Maximum •• Monthly Debt

MORTGAGE RATES

Mitchell

Albany Leesburg Smithville County County County

House Value † 30 Year Mortgage

House Value‡ 15 Year Mortgage

Subject To Change Upon Short Notice

LENDER AB&T National Bank 229-446-2265

3.875

3.50

Ameris 229-434-4555

4.25

3.375

3.875

3.25

Colony Bank 229-436-9000

4.125

3.25

3.75

3.125

4.125 3.125

3.75

3.25

Flint Community Bank 229-903-1400

4.125

3.25

4.00

3.375

Heritage Bank 229-878-2021

4.25

3.375

3.75

3.25

4.125 3.125

3.990

Regions Mortgage Inc. 229-434-6817

4.375

3.50

4.125

3.50

4.125

Suntrust Mortgage Inc. 229-430-5494

4.30

3.20

3.875

3.25

3.875

Synovus Mortgage 229-430-7037

4.25

3.25

3.75

3.25

EMG Mortgage 229-420-9364

65,164

50,028

648

73,309

56,281

2,000

560

720

81,455

62,535

2,200

616

792

89,600

68,788

2,400

672

864

97,745

75,042

2,600

728

936

105,891

81,295

2,800

784

1,008

114,036

87,549

Northside Mortgage 229-878-1499

3,000

840

1,080

122,182

93,802

12844 NML 166305 166418 28262

3,200

896

1,152

130,327

100,056

3,400

952

1,224

138,473

106,309

3,600

1,008

1,296

146,618

112,563

3,800

1,064

1,368

154,764

118,816

4,000

1,120

1,440

162,909

125,070

4,200

1,176

1,512

171,055

131,323

4,400

1,232

1,584

179,200

137,577

4,600

1,288

1,656

187,345

143,830

4,800

1,344

1,728

195,491

150,084

5,000

1,400

1,800

203,636

156,337

5,200

1,456

1,872

211,782

162,591

5,400

1,512

1,944

219,927

168,844

5,600

1,568

2,016

228,073

175,098

5,800

1,624

2,088

236,218

181,351

INTERNET PROVIDERS AT&T (Dial-up 800-436-8638) (DSL 800-263-0241) www.att.com Plantel 1-800-342-7564 SurfSouth 878-6008 RECYCLING

Keep Albany-Dougherty Beautiful 430-5257

SCHOOL INFORMATION Dougherty County Public School System Lee County School System 431-1264 229-903-2100 DAILY NEWSPAPER (circulation dept.) 888-9322 OTHER IMPORTANT NUMBERS Driver’ s License Bureau 430-4251 Automotive Tag Office 431-3255 Voter Registration 431-3247 Correct Time 436-6121 Albany-Dougherty Chamber of Commerce 434-8700

To Advertise in the Real Estate Showcase contact Debi Griffin at 888-7653 or debi.griffin@albanyherald.com

30 yr.

576

AT&T Residential 888-757-6500 Business 866-620-6000

Rate

504

www.att.com

Rate

Cap

448

TELEPHONE

Cap

3.375

1,800

ELECTRICAL & NATURAL GAS COMPANIES City of Albany Georgia Power Mitchell EMC Sumter EMC 883-8330 436-3304 436-0070 759-2291

(No Points) (No Points)

4.25

$1,600

• Determined by multiplying gross wages by .28, a common method used by lending institutions. •• Determined by multiplying gross wages by .36, a common method used by lending Institutions. † Based on an average interest rate of 7.5% ‡ Based on an average interest rate of 7.25% This table is intended only as a guide. For more specific information, contact a local lending institution.

30-YEAR 15-YEAR 1-YEAR ADJUSTABLE RATE (No Points) FHA and/or VA (30-Year) FHA and/or VA (15-Year) FIXED FIXED Life of USDA RATE Rate Annual Loan Margin 30 yr. Points 15 yr. Points 100% RATE

4.125

Rates can be reduced with discount points. Rates are subject to change upon short notice, and discount points could change frequently. One discount point is equal to one percentage point of the loan amount and is paid when the loan is closed. Most lenders have a variety of programs. ORIGINATION FEE IS NORMALLY ONE ADDITIONAL POINT, BUT CAN VARY. Maximum amount for conventional loan is $417,000. To Participate in the column, call 888-9333. For information on specific mortgage programs call The Lender.

MORTGAGE PAYMENTS CALCULATOR Monthly interest, interest payments for 30-year, fixed rate mortgage. Escrow payments for taxes, insurance not included. Payments are rounded to the nearest dollar.

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

$252 309 365 422 479 536 593 649 706 763 820 876 933 990 1047 1104

260 317 373 430 487 544 601 657 714 771 828 884 941 998 1055 1112

268 325 381 438 495 552 609 665 722 779 836 892 949 1006 1063 1120

276 333 389 446 503 560 617 673 730 787 844 900 957 1014 1071 1128

284 341 397 454 511 568 625 681 738 795 852 908 965 1022 1079 1136

292 350 409 467 525 584 641 700 759 817 875 934 992 1050 1109 1167

$300 360 420 480 540 600 660 719 779 839 899 959 1019 1079 1139 1199

$308 369 431 493 554 616 677 739 800 862 924 985 1047 1108 1170 1231

$316 379 442 506 569 632 695 758 822 885 948 1011 1075 1138 1201 1264

6 THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com

LAND & LOTS FOR SALE

Dougherty Co 147+/- acres Great HUNTING TRACT $323,400, 15 +/- ac planted pines, 85+/- ac hardwoods, 10+/- ac lowlands, and 35+/-ac open fields Just off of the bypass on US 82 and Ashwood St. Bob Dutton 894-7373

VIEW HOMES AND OTHER SPECIAL SECTIONS ON THE WEB AT WWW.ALBANYHERALD.COM

Dougherty Co 15.8+/- acres Zoned Residential $359,900 Beautiful grass lot with some 25+/- pecan trees. on Byron Plantation Rd Bob Dutton 894-7373

Adjacent to 3 Shopping Centers 2.13 Acres, Already zoned for Duplexes and Triplexes by the City of Americus $225,000.

Linda Turpin ~Realtor

(229) 434-1600 Consecutive Gold (229) 317-4330 Direct Life Member Presidential (229) 881-1529 Cell Achievement Society Lcturpin@att.net / Lindaturpin.com

Lee County, 5 acres, 5 bedrooms, 5 baths, hardwood, tile and carpet in bedrooms which all were replaced in 2011. The kitchen was remodeled in 2003, family room with fireplace, a sunroom/study, double garage & screen porch! 3 bedroom, 2 bath in the main house and 2 bedroom, 2 bath in the Guest house that is attached to the main house. The 5th bath is on the guest house that opens to the outside. The guest house has a great screen porch full kitchen. Outside is a great wired workshop. $239,000

1500

EACH

OPEN HOUSES

2- SU 4 N pm

2719 N. DOUBLEGATE West On Old Dawson, Right On North Doublegate, House On Left

$174,900 MLS#129334, 2 BR/1 BA, 129920 SF Picture Pefect Home - Formal LR & DR, Family Room w/FP, Beautifully Landscaped & Priv. Backyard PAT TRIQUET 886-3427 RE/MAX OF ALBANY 434-1600 2- SU 4 N pm

2310 PEMBROKE

175 HANK DRIVE

1611 NORTHWOOD DRIVE

$349,000 MLS#128926, 5 BR/3.5 BA, 4200 SF

$124,900 MLS#129987, 3 BR/2 BA, 1478 SF, Move-in ready! Cute house w/HW floors & many updates ALICE JOLLEY 869-900 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

Whispering Pines Rd Left On Doncaster Right On Pembroke House On Left.

From Hwy 82 W, Right On Hickory Grove, Right On Hank

$$115,000 MLS# 131110, 4 BR/2 BA, 2002 SF, Everything To Perfection And Priced @ $57.44 Sq Ft What A Deal LAVONDA PAULK 881-0818 REAL ESTATE BROKERS GROUP 888-5646

Drastic Reduction! A Must See House in Pebble Ridge S/D

OPEN HOUSE LISTINGS

2- SU 4 N pm

CHRIS FAULK / BLAKE WILLIAMS 886-3285 / 560-4068 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

Starting at

15.00

From Westover, Right On Westgate, Right On Northwood

2- SU 4 N pm

1706 11TH AVENUE

Turn Left On Hilltop From Whispering Pines, Left On 11th Ave

$159,500 MLS#131017, 3 BR/3 BA, 1952 SF Character galore! Updated kit, MA suite w/FP, huge deck & fenced back yard MARCI LANGLEY 349-3229 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

207 HANK DRIVE

From Hwy 82 W, Right On Hickory Grove, Right On Hank

$369,900 MLS#130567, 4 BR/3 BA, 3159 SF Executive home w/pool & pool house CHRIS FAULK / BLAKE WILLIAMS 886-3285 / 560-4068 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

Call Debi Griffin today to place your new listing

229-888-7653

FEATURED HOME 2523 E Doublegate Dr, Albany

THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com 7

Article and Photos by JENNIFER KING jennifer.king@albanyherald.com ocated in the beautiful Doublegate subdivision on the 3rd fairway, this gorgeous brick home is filled to the brim with amenities. Situated on more than half an acre, this nearly 3,000 square foot home features three bedrooms and three and a half bathrooms. The lot is well-manicured and well-maintained both in front and in back. A sprinkler system keeps the lawn lovely and green. From the street, a brick path leads to the front door and a concrete drive leads to a double garage. The front door opens to a spacious foyer with a unique brick paver floor. To the left of the foyer through a set of french doors is the formal living room. This space is currently used as a home office. The walls feature judges paneling and wide

crown molding. On the opposite side of the foyer is the formal dining room. The lighting in this space together with the warm tone of the heart pine hardwood floors make the room glow. Two built-in china cabinets provide a decorative element and storage space. Like the formal living room, the walls here are graced with judges paneling and wide crown molding. Both rooms receive natural light from windows donned with plantation shutters. Straight ahead of the foyer is the den, which features a fireplace, hardwood floors, and built-in cabinets and shelving. A set of french doors at the rear of the room provide access to the back patio and pool. Adjacent to the den is the kitchen and breakfast nook. Both of these spaces feature the same unique brick

flooring that is found in the foyer. The kitchen has been updated to include stainless steel appliances and granite counters. The cabinets are a creamy white, and they make the room feel bright. A granite-topped bar provides plenty of casual dining space and divides the kitchen from the breakfast nook. Just off the nook, you will find a large laundry room with a sink set into a granite counter. The entrance to the double garage is nearby to which a private office has been added. Located on the opposite end of the home is the master suite. This suite has every feature you could want! Two large double closets provide plenty of clothing storage. The completely updated private bathroom has a double vanity with a granite counter, a large tiled rain

$299,000 shower head and body mister, and a tub for soaking. A glass brick window provides natural light. On the second floor of the home, there are two additional bedrooms with private bathrooms. Each bedroom features tons of closet space and dormers with window seats. Outside the home in the back is a large brick patio, which overlooks a gunite inground pool and the golf course. The backyard has a wooden fence, which makes it safe for kids and pets alike. If you would like more information about this home or to schedule a private tour, contact Katie Hughey Gatewood of Hughey & Neuman, Inc. at the office (229) 436-0212 or on her cell (229) 881-0743.

Den

Kitchen

Dining Room

Patio

Backyard Overlooking Golf Course

Gunite Pool

Back of Home

8 THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com

The do's and don'ts, how to prime your credit score before you house hunt

(BPT) - Spring is traditionally the busiest homebuying season of the year. And this year, with the housing market and economy finally starting to show signs of resurgence, many consumers are looking to buy. But although location, school district and the size of the home are important, many people overlook one of the most important factors of the home buying process – their credit scores. In fact, many people still don’t realize that lenders review credit scores when making decisions about the availability and pricing of credit, this according to a 2013 survey conducted by the Consumer Federation of America and VantageScore Solutions, a credit score model developer. If you are hoping to get into the real estate market this spring, follow these tips to help you improve your credit score the right way: * Reduce your credit card balances. If you’re looking to improve your credit scores quickly and legitimately, reducing your existing credit card debt is a great first step. According to VantageScore Solutions, its best to keep credit card balances at less than 30 percent of the maximum amount of credit allowed. * Check that the info that appears in your credit files is accurate and up-todate. You don’t want to miss out on a great loan because of an error in your credit reports. Be sure you check your reports at all three national credit reporting companies, which are Equifax, Experian and TransUnion, because most mortgage lenders will pull all three of your credit reports and credit scores. Consumers are entitled by Federal law to receive a copy of each of their credit reports once every 12 months at www.annualcreditreport.com. * Understand the reasons why your scores aren’t higher. When you receive your credit score disclosure notice, reason codes appear along with your credit scores, and they detail why your credit score isn’t higher. You can learn more about these reason codes and how to improve your credit score at the new consumer education website ReasonCode.org. While these are good strategies for score improvement, make sure to also avoid these pitfalls: * Taking on any new debt just before

or during the underwriting period. Keep in mind that lenders may pull a credit report and score more than once during the mortgage approval process including just before closing on the loan. Buying a new boat or car during this time could impact the total amount of debt you owe. Credit score models factor the amount of debt you owe into your credit score. Additionally, owing more debt on new loans will impact your debt-to-income ratio. While your debt-toincome ratio is not a part of your credit score, it will be considered by your mortgage lender. If you are planning to apply for a mortgage or refinance, hold off on that new car or boat until after you have closed your home loan. * Soliciting credit repair services. You’ll find numerous services on the Internet that say they can help you “repair” your credit quickly. These should be avoided. They often overpromise and under-deliver. Federal laws prohibit credit repair companies from charging fees upfront, and consumer advocates agree that you should think twice before paying these companies to do what you can do on your own and at no cost. Remember, improving your credit score, like many other things in life, requires hard work, dedication and discipline but if you stick to the plan you’ll see the benefits in the end. To get a true picture of your credit status, it’s best to review your credit reports and credit scores from multiple sources. Test your knowledge about credit scores at http://www.CreditScoreQuiz.org, which was created by VantageScore Solutions along with its partner, Consumer Federation of America. Both the online quiz and a corresponding brochure are available in Spanish at www.creditscorequiz.org/Espanol.

Three bad-mouthed building materials you won't believe are really eco-friendly (BPT) - More homeowners are keeping Mother Nature in mind when undertaking a renovation, addition or new construction. They’re seeking building practices and materials that are energy-efficient and environmentally friendly. If you’re among these groups, you may choose to avoid construction materials you’ve come to think of as “not green.” The truth, however, is that some maligned materials are actually more environmentally safe than alternatives that may seem more natural. Here are three popular materials that are greener than you may think: Plastic pipe You would probably have a hard time thinking of a material more universally reviled as bad for the environment than plastic. While it’s true that plastic doesn’t break down in landfills, certain types of plastics, when used correctly and in the right applications, are eco-friendly thanks to their sheer durability. They’ll last longer, which requires less consumption of other materials and resources to manufacture replacements, and they’ll reduce the waste stream. PEX (cross-linked polyethylene) pipe is a good example. Used in hotand cold-water plumbing, residential fire sprinkler systems and radiant floor-heating systems, PEX is

actually a better option than copper, another material commonly used for the same applications. “The processes used for mining and refining copper, and turning it into pipe, consume a great deal of natural resources,” says Dale Stroud, senior director of offerings/marketing for Uponor North America, which uses PEX in its plumbing, heating and residential fire sprinkler systems. “Like all metal, it will eventually corrode and wear out. Replacing it can be costly and labor-intensive, and discarded piping is not always recyclable.” PEX, however, is created through less energy-intensive means, and its durability ensures that it will virtually never wear out. Its use in new construction or renovation pretty much ensures the homeowner will never have to replace the product, meaning fewer resources consumed for repair, removal, reinstallation and disposal of discarded piping. PEX piping delivers clean, healthy water for household uses, including drinking, cooking and bathing, and can even help conserve water and energy compared to leaky, lessefficient metal pipes. When used in radiant floor heating and cooling systems, PEX is energy-efficient, and improves the overall temperature comfort of a home or a commercial building. “While PEX is made from crude oil and natural gas, if you consider See Green, page 12

JOHN ANDERSON

BROKER/OWNER APPRAISER

881-3331

TOMMY YORK MOBILE

347-3381

CAROL YORK MOBILE

347-3433

www.ugottamove.com

229-883-3000

Nice 3 BR, 2 BA.1801 sq. ft. with beautiful hardwood floors. A great find!!

2025 W. Broad, Albany Cute and convenient home with 3BR, 1.5BA, screened porch, wired workshop and fenced rear yard.

2015 Old Dominion DR Immaculate and spacious 4 BR, 2 BA, remodeled with split floor plan, situated on 2.7 ac. Large laundry room. Double garage. Allots of extras.

2808 Reeves Lane Cute & well maintained, 3 BR, 2 BA, 1308 sq. ft. Call agent today for appt.

THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com 9

Display Ad Deadline: Wednesday, Noon

Display - Debi Griffin 888-7653 Debi.Griffin@albanyherald.com

Classified Ad Deadline: Friday, 10:00 a.m.

Debi Griffin Multimedia Real Estate Rep 888-7653

Classified 888-9333

Mobile Homes

For Rent.......................................600 For Sale.......................................601 Lots for Rent................................602 Lots for Sale................................603 Supplies/Equipment.....................604

600

MOBILE HOMES FOR RENT

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

2, 3, & 4 BR Clean w/AC, $300/mo and up, $250 deposit Call 436-7108

2BR/2BA, Lee Co., $550/mo $550 dep, Call 229-349-1001

4 B R / 2 B A , L e e C o , RTO $595/mo. 888-2000 or 881-2000

600

Real Estate for Rent

Acreage........................................650 Commercial Property...................651 Condominiums/Townhouses............652 Duplexes......................................653 Furnished Apartments..................656 Furnished Homes.........................657 Hunting Leases............................658 MOBILE HOMES FOR RENT

2BR/1BA, CH&A, Fridge & Stove, $275/mo $300 dep. Eastside. 888-7900 2BR & 3/BR East Albany, $345/mo, $250/dep. Free water. 229-869-0704

601

Office Space................................660 Resort Property...........................663 Retail Space................................664 Roommate Wanted......................666 Room...........................................667 Rental Property Needed..............668 Unfurnished Apartments..............673 Unfurnished Homes.....................679 Warehouses/ Mini Warehouse. . . .681

MOBILE HOMES FOR SALE

Best Deals on New, Used & Repo‘d Mobile Homes, Call 229-436-7108, 288-8111 or 364-5517

653

DUPLEXES

2BR, CH/A, appliances, in quiet park. $265 mo./ $250 deposit. 439-8841.

1119-B UNIVERSITY, CH/A, $465/mo. $400 dep. Willie G. Mikes Realty Co. 432-2820

601

128 Westcott Ln. 3BR/2BA, tile/wood floors, yard service provided, $695/mo $695 dep. Call 888-0886

MOBILE HOMES FOR SALE

2008 DESTINY 16x70, 2BR/2BA, Carport & deck. Spring Special, $32,500 or Rent for $650/MO. Gated Community. 888-0068

3BR/2BA Duplex FOR RENT. Call 435-0604 Duplex for rent 3BR/2BA 1211 B Westwood Dr. $725/Mo $450/Dep No Grafa 881-1011 LEE 2BR/2BA, No Grafa/Pets. Year Lease 432-1551

Are you tired of being Scared and having close quarters check out our mobile home park full 1/2 acre lots for rent and Mobile Homes For Rent Country living Putney,GA Cable,Sewage and Garbage are included in rent Call Jack Stone Today 229-886-2277

LEE 3BR/2BA, $525 & $575. RTO. 888-2000/881-2000

Lee Co.100B Winding Way 3BR/2BA $625. 291-8510 NEW Are you tired of being Scared and having close quarters check out our mobile home park full 1/2 acre lots for rent and Mobile Homes For Rent Country living Putney,GA Cable,Sewage and Garbage are included in rent Call Jack Stone Today 229-886-2277

CONSTRUCTION DUPLEXES FOR RENT IN LEESBURG Located on N Magnolia St next to Lee Co Elem. NO GRAFA. 3BED/2BATH. $825/Month. Info and Applications on site or call 229-343-3455. ST. ANDREWS, 2 & 3 BR, $625-$725/mo. Call 432-7899

653

Real Estate for Sale

Acreage Over 75..........................701 Acreage Under 75........................702 Commercial Buildings......................703 Commercial Lots.............................704 Condominiums/Townhouses............705 Duplexes......................................706 Homes Site..................................707

667

DUPLEXES

673

Lee County Duplex, 112 C Winding Way, 3BR/2BA $600. 229-888-1904

Clean Quiet furnished rooms w. utilities & Wi-Fi. $120/WK, 344-5977

656

673

FURNISHED APARTMENTS

1 & 2 BR, $85/wk. with utlities & appliaces, Downtown, 435-7646 1BR Furnished Apt. All utilities furnished $600/MO $300/Dep. 1yr lease required. No Pets/ No Smoking. 439-0355

660

UNFURNISHED APARTMENTS

1, 2, 3 BR. Furnished, $85/wk. Downtown. Unfurnished $225-$375/mo, appl., 435-7646 1BR $475/mo and 2br/11⁄2ba $550/mo NW townhouse, appliances, $400/deposit 435-8476 2&3BR $675 & $775 + Dep. No Pets. 224-4549

OFFICE SPACE

DAWSON RD Retail/ Office Space 250-7,200 Sq.Ft. Call 432-7899

2&3BR $675 & $775 + Dep. No Pets. 224-4549

663

2 B R / 1 1⁄2 B A T W O S TO RY CONDO FOR RENT NW Albany $595/MO, Avail. immediately 229-446-7557

RESORT PROPERTY FOR RENT

2 PANAMA CITY BEACH Condo’s in Regency Towers FOR RENT, 435-0604/881-6202

664

RETAIL SPACE

1200 SQ. FT. Retail, Lee Market/ Winn Dixie, Us 19 229-347-7655 Shopping Center1713 Oglethorpe. 436-3380

2BR/2BA Apartment on the Flint River. Covered Parking, boat ramp access, $725/mo $350 dep. Call 881-3115 APARTMENTS FOR RENT. 1 & 2/BR $435-$625 All appliances. 229-430-0166

CLASSIFIEDS 888-9333

299 Run It Till It Sells!

Ken Boler General Sales Manager 888-9319

Homes for Sale............................708 Homes for Sale Information.........709 Investment Property.....................710 Real Estate Wanted.....................711 Rental Property............................712 Resort Property............................713 Warehouses.................................714

ROOMS

Land - COMMERCIAL - House for Sale

$ $

Amber Hancock Classified Sales Manager 888-9343

UNFURNISHED APARTMENTS

2BR/2BA, Lee Co. 123-B Winding Way. $575/mo $400 dep. 2609 Costner Ct., 2BR/2BA, $595/mo $400 dep. Call 432-0317

3BR/21⁄2BA Townhome 1370 sqft, $625/mo $300 dep. NOTTINGHAM APARTMENTS. Call 229-432-9351 COUNTRY PLACE APARTMENTS

Call about our Specials!! 229-435-4325 Finally 2 Bedrooms Available Ashley Riverside Apartments Under $700 Call Today!!! 229-430-9973

PINE FOREST APARTMENTS Call Lavonne & ask about our Spectacular Move-In Specials!! Free Gift with 1 yr lease upon availability. DCA Welcomed! Located close to New Wal-mart. Call 434-1311. Special subject to change.

REGENCY CLUB APARTMENTS Call Miyelle @ 229-888-0148 & ask about our 1⁄2 Price Rent, $50 application fee & $99 deposit. DCA Welcome! Located close to New Wal-mart. Special subject to change.

888-9333

PRIVATE PARTY *90 Days Maximum*

*90 Days Maximum*

10 THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com

679

UNFURNISHED HOMES

679

UNFURNISHED HOMES

679

UNFURNISHED HOMES

Newspaper Quality at Internet Speed!

LEE CO, 4BR/2BA,Garage New Construction $1300/MO The Wright Co. 435-0654 LEE CO, E. Century Rd., 3BR/2BA, $900/mo + dep. No pets/smoking. Call 435-9776 Lee County 3BR Available 435-1327 1203 Whispering Pines Albany, GA 31707 More Available @ www.rentalbanyga.com Mon-Fri 9am-5pm *DUPLEXES* 105-B Embleton Ct. 3BR/2BA (SPECIAL) $700/mo $600 dep.

1017 RELSWOOD TER 2BR/1BA $575/mo $575 dep. OFFICE SPACE: Individual Office Space for Rent, Location: 1120 Stuart Ave. (Geer & Associates) Utilities Included.

229-889-1040

1100-A Blaylock St. 2BR/1BA (SPECIAL) $375/mo $250 dep.

1203 9th Ave. 3BR/2BA, Appliances, workshop, $650/mo + dep 446-4400

3975 Rodnor Forest Ln. 3BR/2BA (Special) $650/mo $475 dep.

1304 7th Ave. $650/mo $650 dep. 2BR/1BA + office, LR, Den, DR. Very Nice. Call 436-2647

914-C 20th Ave. 2BR/1BA, (SPECIAL) $550/mo $400 dep.

1408 7th Ave, 3BR/1BA, $650/mo $650 dep. Call 229-894-5902

1410-A N. Davis St. 2BR/1BA (SPECIAL) $435/mo $375dep.

1703 Acker St. Albany 4 Sale or lease Owner Finance $1000/Mo Call for details 229-291-8510

1107 N. Madison St. #2 2BR/2BA (SPECIAL) $750/mo $600 dep.

3BR/1BA Hardwood Floors, fireplace, AC $500/Mo $300/Dep. Call 229-291-8364

*APARTMENTS* 2211 Gillionville Rd. #8 & #17, 1BR/1BA $495/mo $400 dep. (SPECIAL)

3BR/1BA, Near Sherwood Church. Good area. $650/mo. 878-0879 or 305-849-2271

701 9th Ave. #5, #11, #14 (SPECIAL) 1BR/1BA $275/mo $200 dep. 709 6th Ave. #2 1BR/1BA $250/mo $250 dep. *HOUSES* 306 Hillside Dr. 3BR/1.5BA (Sylvester) $675/mo $550 dep. 1004 4th Ave. 3BR/2BA, (SPECIAL) $795/mo $600 dep.

DEVON Village, 3BR/2BA. New paint, all appl, no pets, $1000-$1300 mo/dep. 430-0166

4BR

New Home For Lease 3BR/2BA in the City of Leesburg. $1200/mo. Call 229-343-0900. Pay Stubs required: No Sect.8 645 12th Ave. 3/1, 550 R&D; 1601 Whis Pines 3/1.5, 725 R&D; 1313 Mobile 3/1, 495 R&D; 808 Rood 2/1 duplex 325 R&D. Call 229-395-5802 (9-7)

701

ACREAGE OVER 75

305 ACRES of Prime Land with 3 houses, CRP open/crop land and pond... May divide. Call Allied Land 759-1023

Publisher’s Notice

Albanyherald.com EQUAL HOUSING OPPORTUNITY All real estate advertised in this newspaper is subject to the Federal Fair Housing Act of 1988 which makes it illegal to advertise any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin or any intention to make any such preference, limitation or discrimination. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis.

113 Twelve Oaks Ct. 3BR/2BA (LEESBURG) $825/mo $600 dep. 228 Glade Ln. 3BR/2BA (SPECIAL) $845/mo $600 dep. 211 Cloud Ln. 3BR/2BA (SPECIAL) $865/mo $865 dep. 145 White Oak Ln. 4BR/2BA Lee Co. $1385/mo $1385 dep.

702

delivers breaking news and information on top news stories, sports, weather & business, etc. • • • • • • •

NEWS BUSINESS FEATURES MULTIMEDIA BUY PHOTOS JOBS RENTALS

• • • • • • •

SPORTS WEATHER COMMUNITY CONTESTS CLASSIFIEDS AUTOS REAL ESTATE

ACREAGE UNDER 75

Worth Co. 2.73 Wooded Acres, Well & Septic tank. Mobile Home ok, quiet neighborhood. Leave Mssg. 776-1856 WORTH CO: 41.21 +/- Acres, Great small hunting tract, Good PLace to build a home, Some planted pines, Lots of hardwoods, Small cypress pond. $2600 per acre. Make Offer! Farm & Plantation Realty, Inc 229-446-0600

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229.888.9322

THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com 11

702

ACREAGE UNDER 75

706

708

DUPLEXES

Lee Co. Smithville 26AC City water & sewer zoned mobile homes $33,000 883-8468

703

704

BEAUTIFUL, Custom 4 BR/4BA home, 1.3 acre wooded lot, gated community with pool, walking trails & fish pond. 229-347-0845.

COMMERCIAL BUILDINGS

COMMERCIAL BUILDING, 1779 Philema Rd Albany, GA FOR SALE $230,000, GREAT LOCATION, Large 3200sqft LUXURY OFFICE space. For pics www.FARMHANDREALTY.com Call 229-347-0086 COMMERCIAL LOTS

Commercial Lot For Sale. Great Location 2901 Gillionville Road. Call 229-343-0900.

708

HOMES FOR SALE

LEE Co QUADRAPLEX Leesburg, GA. 229-224-4549

708

HOMES FOR SALE

FSBO, 3BR/2BA in the City of Leesburg. Call 229-343-0900.

Do you have a Service? Advertise with Us! THE ALBANY HERALD

HOMES FOR SALE

Lake George, Quitman Co. Ga, Custom Built 2011 house, 3/2 located Moccasin Slough, Call 229-881-4571 for info

Send your Mother a special message in the Albany Herald

Lee Co. 180 Thimblemill Dr. 3BR/2BA, 1.07AC, 3335 Sqft, Pool, Sunroom, New Roof, Fenced.$200,000 Call 894-8181 Open House Today! 2-4! 108 Fortner Crt. Lee Co. 4,26 Acres in Dogwood Plantation, 3/BR/2BA, built 2006, Open Floor Plan $214,000 Call 850-512-8466

Please complete this form, attach a photo, include $10 (cash, check or credit card info) and return to Mom, You’re the Greatest c/o The Albany Herald P.O. Box 48, Albany, Georgia 31702 Attn: Amber Hancock or e-mail to amber.hancock@albanyherald.com Your Name Daytime # Address State

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LEE COUNTY, 897 LOVERS LN RD. Modular Home on 1.91 AC‘s., Great starter home, 3 Bedroom/2 Bath (28 x 64) 1792 Sq. Ft., Custom Floors in Kitchen & livingroom.4 Miles from Lee County 9th Grade Academy. Nice Quite Corner!! $79,900. APPT. ONLY, CALL J. DURHAM & ASSOCIATES @ (229) 436-2733

712

RENTAL PROPERTY

CALL THE ALBANY HERALD CLASSIFIED DEPARTMENT TODAY TO GET YOUR PROPERTY RENTED!! 229-888-9333

713

RESORT PROPERTY

REAL ESTATE Deadline LAKEFRONT HOME (2BR/2BA) w/ seperate Guest House (1BR/1⁄2BA). Premiere location on Lake Blackshear near Smoke Bridge, GA 300, look for FSBO Sign at bridge. 120 Fletcher Rd, Crisp Co. Excellent Bank Financing! For more info. Call 229-432-2465

For Sunday Real Estate ads Classified Line Ads

IS FRIDAY 10:00 A.M. Rent to own option. 3 bedrooms, 1 bath, fenced bk yd, new roof, new vinyl windows, new paint, hardwood floors. $575.00 lease or $3,000.00 down to rent to own. 604 Haley, Albany 31701---Call for more information. 229-343-8429

Walter F. George LAKE FRONT Home FOR SALE $235,000 RENOVATED 3br/2ba House w/ 3br/1.5ba GUEST HOUSE. PRIVATE DOCK. For detailswww.FARMHANDREALTY.com Call 229-347-0086

Zip

CC# ❑Enclosed is my check

HOMES FOR SALE

Lee Co. Owner Financing Avail. 3BR/2BA, Garage, Fireplace & Appl. 435-1327

Lee Co. 3BR/2BA126 Upatoi Rd. $124,900 439-0891

May 11, 2014

City

708

HOMES FOR SALE

FSBO in the City of Leesburg. 3BR/2BA $139,900. Call 229-347-0845

For Sale 4BR/2BA in the City of Leesburg, $161,700. Call 229-347-0845. Interested in Hud Home‘s Call me about the $100 down hud program. Must have 580 credit score. Call me at One Key Realty Bob Andrews 229-321-9047

708

HIDDEN TREASURES... found daily in the

ALBANY HERALD

CLASSIFIEDS

Your Mom’s Name: Photo Included: Message:

... We’re All About You!

Find your treasure today!

Call 229.888.9333 Deadline is May 7, 2014

Toll Free 1.800.627.7355 Mon. Fri. 8am - 5pm

12 THE ALBANY HERALD • HOMES • Sunday, April 27, 2014 • www.albanyherald.com

Green

Continued from page 8

alternative uses of those resources, you might conclude that a durable use (such as pipe) is better for the environment than single-use applications like gasoline or diesel fuel for vehicle engines that contribute to greenhouse gases,” Stroud says. To learn more about PEX, visit www.uponor-usa.com. Vinyl siding

Vinyl siding is another product that many homeowners mistakenly think of as less eco-friendly than other types of siding. But this highly energy-efficient siding is also green in other ways, too. “Throughout the processes of manufacturing, transportation, installation, service life and waste management, vinyl siding scores well on tough environmental measures,” the Vinyl Siding Institute says on its website. “Hands down (it scores) better than brick or fiber cement.” The vinyl siding manufacturing process produces little to no waste, and

HOME FOR SALE

NEW LISTINGS

EQUAL HOUSING OPPORTUNITY

because the siding is relatively lightweight, it’s more fuelefficient to transport than other types of siding, the VSI reports. Installation generates little scrap, meaning less waste to dispose of, and the product’s longevity means homeowners are much less likely to need to replace it – and that means less construction waste in landfills. In fact, according to VSI analysis of data from the National Institute of Standards and Technology, vinyl siding has the second-lowest environmental impact of any siding product (exceeded only by cedar shingles). Vinyl manufacturing requires little water and fossil fuels, creates minimal smog, has little impact on ozone depletion and affects animal habitats minimally, the data indicate. Rubber roof shingles

112 Sterling Dr. Leesburg

$199,500 MLS # 131178 4BR / 2BA, 2028 SF Beautiful Hickory Grove home on quiet cul-de-sac with his/her vanity, wood floors, fenced yard and more! MANDY CHAMBERS 886-1853 WILLCOX REALTY LLC

1400 Jones Avenue

$72,000

MLS # 131188 3BR / 1BA, 1424 SF Prefect home for a small family! Well maintained w/updates PEGGY BROWN 894-4110

COLDWELL BANKER WALDEN & KIRKLAND 436-8811

1572 HWY 32 W

$139,900 MLS # 131155 3BR / 2BA, 1702 SF, Brick home on approx. 6 acres, den w/FP, MA BR w/2 closets & lrg LR ALICE JOLLEY 869-0358

COLDWELL BANKER WALDEN & KIRKLAND 436-8811

153 Lumpkin Road

$124,500 MLS # 131197 4BR / 2BA, 1555 SF Cute home in the country on almost 2 acres

ALICE JOLLEY 869-0358 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

2620 Devon Drive

$139,000 MLS # 131201 3BR / 2BA, 1812 SF Well maintained brick home on a wooded lot. HW floors, Cheery kit, den w/FP & 2 car carport

PATSY MARTIN 343-8197 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

Call Debi Griffin today to place your new listing

229-888-7653

NEW LISTINGS $10 EACH

While the process of creating rubber still has significant environmental impact, Americans have become much more adept at recycling rubber – especially tires – meaning less rubber waste in landfills. Rubber roof shingles are a cost-effective, durable, goodlooking alternative to other single styles – and they’re more eco-friendly than you might imagine. Made primarily from recycled tires, rubber roof shingles can mimic the appearance of slate tiles, but far surpass the popular stone in terms of durability. They’re impact- and moistureresistant – two of the main causes of

damage to traditional roofing materials. Although they’re not the cheapest roofing material available, rubber roof tiles can be considered “green” on multiple levels. Not only are they made from recycled materials using a process that has minimal environmental impact, their incredible longevity means homeowners may live in their houses for decades without ever needing to replace their roofs. At least one manufacturer guarantees its rubber roof shingles for 50 years. Choosing green building materials is a good thing. Fortunately some of the most durable and cost-effective materials are also among the greenest.