Homes 070614

EQUAL HOUSING OPPORTUNITY

NEW LISTINGS

00 10 EACH

$

Contact Multimedia Representative Albany Herald

today to run your listing next Sunday 229-888-7653

2 THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com

These home improvements may actually lower home value COURTESY OF METRO CONNECTION

Home improvements are typically made to improve the functionality and look of a home, but renovations also can increase the value of a home.

Certain changes to a home can make it more attractive to prospective buyers, while other renovations may make a home less appealing. For example, a complete overhaul of an outdated kitchen is often a smart financial move, while installing a pool or hot tub may not be worth the cost to homeowners.

Separating the good from the bad renovations makes smart financial sense, and homeowners looking to improve their homes' resale values may want to avoid the following projects. * Bedroom and garage conversions: Changing a room's traditional function often turns off buyers. For example, turning a garage into a home gym might seem like a great idea for you, but it may not be so appealing to prospective buyers. Buyers can certainly reconvert the space, but they would consider the

435-1717

www.lakeblackshear.com

Vonnice Brown 344-4700

Chuck Willcox 435-1717

Allan Willcox 435-1717

Excellent Location! Furniture Come enjoy the lake! Dock included 3 Bedroom 2 Bath, with boat lifts, 90 Feet on the Sunroom, Dock with boat & water, 2 Bedroom, 2 Bath, jet ski lifts, Screened Porch, Tiled floors, Metal roof. $345,000

MLS# 130666 $329,000

Jennifer Blount 349-0929

Mandy Chambers 886-1853

Built in 2013, 3 Bedroom, 2 Bath, 1600 Square FT, Dock with 2 boat lifts, Fenced Yard, Split Floorplan, Large Family Room, Sunroom. $259,000

MLS# 129728

MLS# 131664

$197,900, 4BR / 2BA, Hickory Grove , 4 Bedroom, 3 bedroom 2 bath 2028 SF. Beautiful Hickory 2.5 Baths, Built 2010, Over with bonus room, fireplace, Grove home on quiet cul-de- 2000 square ft, Fenced vaulted ceilings sac with his/her vanity, wood Yard, Open floor plan and fenced yard. floors, fenced yard and more! $ 210,000

$105,000

MLS # 131178

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

Tippin Heiden 395-0199

Paul Powell 347-9829

Northwest Albany, Northwest Albany, 3 Bedroom 2 BA, 3 Bedroom, 2 Bath, Fenced 1962 Square FT, Formal Yard, Large Living Room, Dining Room, Large Family Dining Area, $117,500 RM, Den $125,000

REDUCED

100 ft. on the Water.

Great Views Call Chuck 886-2521

MLS# 131698

Kathy Slaughter 347-8650

Betty Townsell 881-2665

Well Maintained Home On The Lake! 3 Bedroom, 2 Bath, 1800 Square FT, Dock with Boathouse and Boat Ramp, 75 Feet on the water. $350,000

COME ENJOY THE LAKE! All Furniture Stays, 3 Bedroom, 2 BA, Dock with boat slip, $184,000

Lake Blackshear, Great Views on High Bluff! New roof and paint, 3 BR, 2 BA, garage, 300 ft on water $395,000

MLS# 130535

MLS # 131150

MLS# 130577

$177,900 Leesburg, Holly Plantation, Lee County beautiful brick 4 Bedroom, 2 Bath, home in Doublegate SD. Family Room, Dining Area, Eat In Kitchen, Double Garage, 3br 2.5ba, fireplace, screened porch, fenced yard, on one 1784 Square FT. $154,900

Leesburg, North Highland Crossing S/D, 3 Bedroom, 2 Bath over 1600 Square FT, Updated, $139,900

costs of such a conversion when making their offers on the home. * Stylized colors on trims and rooms: Painting over unappealing colors is a project many homeowners can handle.

However, some may be discouraged by

883-6100

acre lot! MLS #130027

a home that has too many bright colors or textures on the walls and trims.

Buyers often want homes that are move-in ready, meaning they can get settled in before undertaking large See Lower, page 4

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# 131650

MLS# 130363

150 ft. Right on the Water.

Call Allan 886-2828

2031 N. Slappey Blvd Albany, GA

FORECLOSURE LAKE PARK S/D, $178,500 , 4500 Square FT, 4 Bedroom, Mother In Law Suite

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! $185,000 MLS#130576

$324,900 4BR / 3.5 BA 5079 SF Huge Master Suite Upstairs, 4 Walk in Closets, Gameroom downstairs

$112,500 3BR / 2BA 1861 SF Den with wood burning Fireplace Brkfast Area overlooks backyard

$125,000 3BR / 2BA 1700 SF Great Location, Close to All Amenities Eat in Kitchen with island

MLS # 130739

MLS # 131670

Mls # 122123

$57,000 1+ ACRE lot in Hidden Lakes S/D Ready for New Construction Quiet Cul-de Sac

$129,900 4BR / 2.5BA 2474 SF Living Room with Fireplace Privacy Fenced Backyard

$99,000 36 Acre in Randolph Co. Lake fed by multiple creeks Wildlife, Small Hunting Cabin

MLS # 127471

MLS # 130402

MLS # 128921

MLS# 130534

LOTS FOR SALE LAKE BLACKSHEAR 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

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, July 6, 2014 • www.albanyherald.com 3

INSURANCE COSTS PROPERTY TAXES Home Value

Contents Value

Monthly Premium

$100,000

$80,000

$24

125,000

100,000

28

150,000

120,000

32

175,000

140,000

36

200,000

160,000

40

225,000

180,000

44

250,000

200,000

Home Value $

49

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

15

14

22

06

89

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

3.125

-

-

-

-

3.625

0

2.875

0

4.125 3.125

-

-

-

-

3.75

0

3.25

0

4.00

3.25

-

-

-

-

3.75

0

3.25

0

Heritage Bank 229-878-2021

4.125

3.25

-

-

-

-

3.75

0

3.00

0

3.99

3.00

-

-

-

-

3.50

-

-

-

EMG Mortgage 229-420-9364

720

81,455

62,535

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

To Advertise in the Real Estate Showcase contact

0

4.00

560

Debi Griffin at 888-7653 or debi.griffin@albanyherald.com

3.25

Colony Bank 229-436-9000

2,200

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

0

0

2,000

OTHER IMPORTANT NUMBERS

3.75

3.25

50,028

DAILY NEWSPAPER (circulation dept.) 888-9322

-

0

56,281

SCHOOL INFORMATION Dougherty County Public School System Lee County School System 431-1264 229-903-2100

-

3.75

73,309

Keep Albany-Dougherty Beautiful 430-5257

-

-

65,164

RECYCLING

-

-

648

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

30 yr.

-

576

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

Rate

-

504

www.att.com

Rate

Cap

3.25

448

TELEPHONE

4.125 3.125

Cap

4.125

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)

Ameris 229-434-4555

$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

Flint Community Bank 229-903-1400

3.875

Regions Mortgage Inc. 229-434-6817

4.125 3.125

-

-

-

-

3.75

-

3.00

-

3.75

Suntrust Mortgage Inc. 229-430-5494

4.125

3.10

-

-

-

-

4.00

-

-

-

-

Synovus Mortgage 229-430-7037

4.125

3.25

-

-

-

-

3.625

0

3.25

0

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

4 THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com

Pros and cons of reverse mortgages COURTESY OF METRO CONNECTION

Chances are you have come across an advertisement for a reverse mortgage and have probably wondered what this type of mortage is all about. Geared toward seniors, reverse mortgages are growing in popularity and inspiring the curiosity of older homeowners.

A reverse mortgage is a loan offered to people over the age of 62 that enables borrowers to convert part of the equity in their homes into cash. People of retirement age may find that their limited income can make monthly expenses more difficult. Reverse mortgages were conceived as a method to helping people at this stage in life use the money they put into their homes to pay off debts or cover routine living expenses. The loan is dubbed "reverse mortgage" because instead of the homeowner paying money to a lender as is customary with a traditional mortgage, the lender makes payments to the borrower. What's more, the borrower is not required to pay back the loan until the home is sold or vacated. As long as a person is living in the home he or she is not required to make any payments toward the reverse mortgage loan balance. However, the borrower must remain current on insurance and tax payments.

When a person takes out a reverse mortgage, he or she may borrow a portion of the market value on the home. As of 2012, the maximum loan amount available in the United States was $625,000. Any outstanding existing mortgages are paid off with the proceeds of the reverse mortgage, and either a lump sum of the balance or monthly payments are established. A homeowner may also opt for a line of credit with the reverse mortgage proceeds. Here is a more in-depth look at the pros and cons to reverse mortgages.

Pros A reverse mortgage enables seniors to live in their homes for the rest of their lives without fear of mortgage payments. Because there are no payments being made during the life of the loan, borrowers do not have to meet income requirements or credit checks.

As long as the borrower continues to maintain residence in the home, he or she is still eligible for the monthly payments received through the reverse mortgage. This money can be used for any purpose and is tax-free. Borrowers can opt to modernize their homes or make safety improvements. The funds can also be put toward medical expenses or travel or to help family with their own financial needs.

Because the government insures the reverse mortgage program, borrowers need not worry about

receiving their payments. Should a lender fail to make a payment, the borrower is eligible for that money and a late fee as well.

Another benefit of reverse mortgages is they protect homeowners against falling home prices. If the value of the home drops after the loan is negotiated, it will not affect the equity value assessed for the life of the loan.

Cons One down side to reverse mortgages is that the loans have higher up-front fees than other types of financing.

Borrowers have to pay not only an origination fee and closing costs, but mortgage insurance costs as well.

These initial costs can be several thousands of dollars.

Unlike a traditional mortgage, where the balance gets lower and lower over time, with a reverse mortgage, no payments are being made on the loan. This means the loan balance simply gets larger over time depending on how much money is drawn from the home's equity. At the end of the loan, when the homeowner moves from the property or the premises is vacated upon the borrower's death, the value of the estate decreases based on the pay-off value of the reverse mortgage loan.

Heirs will pay off the mortgage by selling the home and will only inherit the remaining money after the reverse mortgage lender has the loan satisfied. This means men and women will be leaving less money for their heirs, but those heirs will not be personally liable if the home sells for less than the value of the mortgage. The mortgage lender has to claim a loss and request reimbursement from the Federal Housing Administration.

Something many seniors may not be aware of with regard to reverse mortgages is that these loans can affect eligibility for some need-based programs. Although Social Security and Medicare are not affected, Medicaid and other government assistance programs can be affected if a senior has a surplus of funds from a reverse mortgage that are not spent during the month.

A reverse mortgage is a long-term solution. People who are looking for a short-term fix will find that this type of loan probably doesn't meet their needs. Furthermore, it is hard to be approved for reverse mortgages on newly purchased homes. Lenders usually like to see at least six months or a year chain of title on a property before issuing a reverse mortgage.

Many seniors often find reverse mortgages confusing.

Seniors may unwittingly agree to a loan without fully understanding the scope of the reverse mortgage. It is adviseable to seek counseling on reverse mortgages before applying for one.

projects. A living room Continued from page 2 painted in purple or zebra print may not fit the design scheme of many buyers. Dark colors do not easily disappear, and taping off and painting trimwork or changing it entirely can be equally time-consuming. Stick with neutral colors when selling a home, even if this means giving rooms a new coat of paint before putting your house on the market. * Outdoor hot tubs and indoor spa tubs: Many people find soaking in a bubbling brew of hot water quite inviting. But buyers often do not want to inherit a used hot tub. Although hot tubs are cleaned and maintained with sanitizing chemicals, some people may view them as unsanitary.

Removing a hot tub can be labor-intensive. And much like a pool, a hot tub may not be appealing to buyers with young children. * Removing closets: Closet space is often high on buyers' priority lists. Turning closet space into an office or removing a closet to make a room bigger may be fine for those who are staying put.

But these modifications can be a turn-off to prospective buyers. * Too many features: In an effort to "keep up with the Joneses," some homeowners will over-improve their home to the point that it outshines all others on the street. There is a case for having nice things, but homeowners may struggle to sell a home that is disproportionate to other homes in the area. Practice moderation when making improvements to attract more buyers.

These suggestions are merely guidelines and should not replace the advice of a reputable real estate agent when marketing a home. Housing features and what buyers are interested in vary across the country. Some items may be desireable in specific areas but undesireable elsewhere.

Making informed choices before renovating can help homeowners recoup the largest share of their investments.

Lower

www.needmoreproperties.com

4818 Marlborough $310,000 MLS#131336 5 BR/3BA/2half BA, 4382 SF, Crofton Subdivision in immaculate condition, Sunroom, sprinkler system, plantation shutters, & many more extras!

Debbie Satterfield 343-6307 Needmore Properties 439-1837

8455 Graves Highway PRICE REDUCED! $169,900. MLS# 127160 3BR/2BA, Lovely/Ready to move into!

Hardwood Floors, storage shed and pole barn PLUS entertainment pavilion with bath and outdoor kitchen.

Debbie Satterfield 343-6307 Needmore Properties 439-1837

THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com 5

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 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

Contact Debi Griffin today for Next Sunday 888-7653 working with you to make your dream of homeownership a reality.

Lisa Cannon

Loan Officer ~ Office Manager 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

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

Real estate investing for beginners COURTESY OF METRO CONNECTION

On the heels of a recession that saw home values drop, many would-be investors have shied away from buying investment properties. But real estate has historically remained a sound investment, boasting a long-term appreciation rate that makes it a worthwhile investment for those who can withstand temporary setbacks in housing prices and hold on to their properties over the long haul.

But investors are often nervous as they look for their first properties.

Uncertainty about housing prices aside, investing in real estate also is risky, and first-time investors need to be comfortable with such risk in order to make the most of their investments. The following are a few things potential real estate investors should consider as they decide if investing in real estate is right for them.

Personal ability Real estate investors typically have tenants, and those tenants inevitably have needs. Investors who have experience as contractors may not find

it difficult to renovate a property and make it more attractive to tenants, nor are they likely to be inconvenienced when minor issues on the property need to be addressed. Investors with no such experience will need to hire contractors to do the work for them, cutting into potential profits down the road. In addition, investors who don't have the ability and/or the time to address minor issues like a clogged drain or a drafty window on their own will need to hire a property management firm to tend to such needs. Such firms are effective, but also expensive, further cutting into your profits.

Even those investors with contracting experience may have little or no knowledge of how the leasing process works, forcing them to rely on a real estate firm to write up leases and ensure all leases stay current. This, too, can cut into an investor's profits.

Investors who don't bring any relevant expertise to the table can still make a profit from their real estate investments, but those profits likely won't be as significant when outside companies

must be hired to ensure the property is in good shape and all necessary documents are in order and up-to-date.

Time Real estate is often a timeconsuming investment. Tenants pay good money to live in attractive rental properties, and those tenants will have a host of needs that must be met. Investors must be sure they have the time to address their tenants' concerns, especially investors with no plans to hire property management firms. Potential investors who already have full plates at work and at home may not be able to devote the time necessary to make the most of their real estate investments, and therefore might be better off finding another way to invest their money.

Time also must be considered when considering profits. Real estate is not the type of investment that turns a profit

See Investing, page 12

These homes have been reduced by $5,000 or more.

15 PER LISTING PER WEEK

$

REDUCED $10,000

TOTAL REDUCTION IS $40,000 Contact

2310 PEMBROKE $105,000, MLS#131110, 4BR, 2BA, 2002 SF, Split Level, HW Floors, Formal DR, LR & Den, Huge playroom & screened room, fenced back yard LAVONDA PAULK881-0818 RBG THE ANDERSON COMPANY

REDUCED $20,000

3605 PARR ROAD $139,900, MLS#130948 3BR, 2BA, 2623 SF, Living room, den w/FP, sunroom, updated kitchen & laundry room, 1 acre lot LINDA TURPIN 881-1529 RE/MAX OF ALBANY, INC 434-1600

Multimedia Representative Albany Herald

today to run your listing next Sunday 229-888-7653

1655 MARYLAND $59,900, MLS#128274 3BR, 2.5BA, 3428 SF,Great Investment, Unique FL PL, Sun Rm, Builtins, Lg Kit & Fam Rm VICKIE GILES-GRIFFIN 894-2424 RE/MAX OF ALBANY, INC 434-1600

Linda Turpin ~Realtor

®

REDUCED $10,000

3202 WEXFORD $189,500, MLS#130551 4BR, 2.5BA, 2495 SF Lake Park District - Built 1992 Estate Reduced To Sell!

Debbie Fulford 343-4200 RE/MAX OF ALBANY, INC 434-1600

Lcturpin@att.net / Lindaturpin.com

2010 Award

Consecutive Gold Life Member Presidential Achievement Society

(229) 434-1600 (229) 317-4330 Direct (229) 881-1529 Cell

FEATURED HOME

L

THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com 7

Article and Photos by JENNIFER KING jennifer.king@albanyherald.com ocated in the Crofton subdivision, this lovely five bedroom home offers so much class and so much living space! A circle drive brings you to the front of the home, and a brick stairway leads you to the rocking chair front porch. A centered front entrance opens to a traditional foyer with black and white marble tile.

To the right of the foyer is a formal living room or study with beautiful decorative moldings, columns, and a fireplace. Built-ins provide an area to display decor. Two sets of double doors lead back out to the front porch.

To the left of the foyer, is the formal dining room. This space almost mirrors the design of the study with its columns, moldings, and doorways to the front porch.

$299,000

4818 Marlborough, Albany Hardwood flooring runs throughout both rooms. At the center of the dining area is a gorgeous crystal chandelier.

Straight ahead of the foyer is the living room. Glowing hardwoods reflect the light from two sets of French doors, which flank the home’s second fireplace. To the right of the room are two floor-to-ceiling built-ins for media storage and decor. A wet bar with a sink and mini fridge is concealed within a closet. This feature is great for entertaining!

A pass through with a bar divides the living room from the kitchen and breakfast nook. The breakfast nook is adjacent to a staircase and is centered in front of a window overlooking the side yard.

The hardwoods stop at the kitchen where lovely terra

cotta tile begins. Built-ins provide storage, and a center island provides plenty of prep space and a vegetable sink. A double oven is great for the baker in your life!

The walk-in pantry and custom cabinets provide tons of storage within the kitchen!

A hallway just off the breakfast nook leads to the first of two half bathrooms and to the laundry room. The sunroom can be accessed from the living room, and it features large sunny windows and terra cotta tile.

The master suite is on the main floor just off the study.

Within the bedroom is a set of French doors that lead to a lovely covered porch, which overlooks the pool. The master bathroom has every feature you could want!

There is a jetted tub, a large shower stall, a long double

vanity, and two walk-in closets. The closets feature handy storage systems.

Additional bedrooms and bathrooms can be found upstairs. The guest bedrooms feature large closets and plenty of space. A bonus room on this second level would make a great playroom or media room.

A triple garage can be found at the left side of the home and is accessed via a secondary driveway. The backyard is fenced and features an inground pool.

This home has so much to offer a family! For more information about this home or to schedule a private tour, please contact Debbie Satterfield of Needmore Properties at her office (229) 439-1837 or on her cell (229) 343-6307.

Formal Dining Room

Formal Living Room/Study

Sunroom

Living Room

Kitchen

Rear of Home/Pool

Back Porch

8 THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com

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

BROKER/OWNER APPRAISER

www.ugottamove.com

881-3331

CAROL YORK

TOMMY YORK MOBILE

347-3381

MOBILE

347-3433

229-883-3000

2808 Reeves Lane Cute & well maintained, 3 BR, 2 BA, 1308 sq. ft.

Call agent today for appt.

2015 Old Dominion DR Motivated Seller. Immaculate and spacious 4 BR, 2 BA, remodeled with open floor plan, On 2.7 ac.

Double garage. A lot of extras. MUST SEE!

Have a safe and happy 4TH of July!

THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com 9

679

UNFURNISHED HOMES

679

UNFURNISHED HOMES

(2) 3BR Mobile Homes 3/4 AC ea. $565/MO 4 Miles S. of Airport. Very Nice! 436-2647

1203 Whispering Pines Albany, GA 31707 More Available @ www.rentalbanyga.com Mon-Fri 9am-5pm

329-A STATION CROSSING 3BR/2BA $495/mo $495 dep.

*DUPLEXES* 123 Westcott 3BR/2BA(Special) $750/$600

1401 4TH AVE. 3BR/1BA $600/mo $600 dep.

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

OFFICE SPACE: Individual Office Space for Rent, Location: 1120 Stuart Ave. (Geer & Associates) Utilities Included.

2322-A Jim Stokes 3BR/2BA (Special) $650/mo $500 dep.

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

229-889-1040 3BR/1BA, 412 Dorsett, $475/mo. $475 dep. 435-6791

1112- B Wingate 2BR/1BA (SPECIAL) $275/mo $195dep.

1107 N. Madison St. #2 3BR/2BA (SPECIAL) $725/mo $600 dep. *APARTMENTS* 2211 Gillionville Rd. #17, #2 & #14, 1BR/1BA $495/mo $400 dep.

(SPECIAL) 701 9th Ave. #5, #11, #14 (SPECIAL) 1BR/1BA $275/mo $200 dep.

2705-B Doncaster 1BR/1BA (SPECIAL) $450/mo $400 dep. *HOUSES* 703 Center Ridge Ct 3BR/2BA, (SPECIAL) $850/mo $700 dep.

723 Shamrock Dr 3BR/2BA, (SPECIAL) $925/mo $700 dep.

126 Twelve Oaks Ct. 3BR/2BA (LEESBURG) $850/mo $650 dep.

221 & 223 Glade 3BR/2BA (SPECIAL) $845/mo $650 dep.

3903 lpswitch 3BR/2BA (SPECIAL) $865/mo $865 dep.

120 Wayside Dr 3BR/2BA Lee Co. $950/mo $600 dep.

679

UNFURNISHED HOMES

104 ALMOND 3 BR / 1 BA 400 RENT 200 DEP

1709 W GORDON 3 BR / 1 BA 500 RENT 300 DEP

1011 B DAVIDSON 2 BR / 1 BA 450 RENT 300 DEP

2613 POINTE NORTH 3 BR / 1 BA RENT 650 DEP 450 2531 HILLTOP 2 BR / 2 BA 625 RENT 625 DEP

2307 JIM STOKES 2 BR 2 BA 650 RENT 450 DEP

**COMING SOON** 2102 INDICA TRAIL 3 BR / 1 BA 525 RENT 300 DEP 601 VALENCIA 3 BR 1 BA 550 RENT 350 DEP 919-B EIGHTH 2 BR / 1 BA 460 RENT 320 DEP

1212 Dawson Road Albany, GA 31707 229.883.6100

www.albanyrealtyco.com

UNFURNISHED HOMES

3BR/11⁄2BA, new carpet, carport, 1 ac, Renovated. Section 8. $550/Mo. Call 435-1980

3BR/2BA, w/garage, executive home, Lee Co, Wisteria Subdv. $1250/mo. Call REC 435-7790

3BR/2BA Lake Park $925/Mo No Pets, No Smoking, No Grafa, 420-4267

House 4BR 3BA 1202 Augusta, ST ANDREWS COUNTRY CLUB ESTATES $1500/mth New Master Suite added Everything is new! Fenced yard w/storage bldg bldg. APT-2BR 2BA tile floors in living areas, carpet in bedrooms, Large closets, outside storage room.

Quiet cul-de-sac road behind All American Fun Park $625/mth $500 deposit. 229-854-5433

College Park 4br/3ba 2514 Toni Lynn, Albany $159,000 rent $1400/mo!

2408 Gibson Rd. Albany 2br/2ba MH 1ac $52,000 rent $525 454 Wiggins Rd, Smithville, Sumter Co. 5bd/3ba 3.7ac $55,000 rent $650/mo SBO Homes,Lots, or Tracts Lease with option 888-1220 INFO at RogerDSmith.com HOUSE 3BR & APARTMENT 2BR. Call 229-854-6656

615 Haley Street

Lake Park 4BR/2BA $1095/Mo & 3BR/2BA, $995/mo. No pets/Grafa/Smokers 432-1551 LEE CO, 4BR/2BA,Garage New Construction $1300/MO The Wright Co. 435-0654

1001 W. Oglethorpe

3 BD/1 BA Huge Yard $575 Dep/$575 Rent

127-E WINDING WAY (LEE CO) 2BR-2BA…$550RNT/300DEP

502 Mitchell Ave

133-A RAVENWOOD (LEE CO) 3BR-2BA…$750RNT/$400DEP

3 BD/1 BA $425 Dep/$425 Rent **AVAILABLE NOW**

679

1536 DOUGHERTY AVE, ALBANY, GA

229-420-8929 Ext. 2101

BAM Property Management, Inc.

229-888-1515 1108 3rd Avenue

Dougherty County 1110 WINGATE AVENUE 3BR/1Bath $500/Mo $400/Dep 808 PATTERSON AVENUE 2BR/1Bath $600/Mo $600/Dep 2202 PEMBROKE DRIVE 3BR/1.5Bath $750/Mo $750/Dep 903A 8TH AVENUE 2BR/1Bath $450/Mo $450/Dep 806 RESIDENCE AVENUE 3BR/1Bath $400/Mo $200/Dep 2003 GARY AVENUE 3BR/2Bath $925/Mo $925/Dep 308A CARRIAGE LANE 3BR/1Bath $450/Mo $0.00/Dep 312B CARRIAGE LANE 2BR/1Bath $400/Mo $0.00/Dep 406 VICK STREET 3BR/1Bath $450/Mo $300/Dep Lee County 284 LINDEN ROAD 2BR/2Bath $525/Mo $525/Dep 300 THUNDERING SPRINGS RD 3BR/2Bath $600/Mo $600/Dep

More at bamrentals.com

141-B RAVENWOOD (LEE CO) 3BR-2BA…$725RNT/$400DEP

127-D WINDING WAY (LEE CO) 3BR-2BA…$625RNT/$400DEP 118-B AUGUSTA CT (LEE CO) 3BR-2BA…$650RNT/$400DEP 109 LIVINGSTON RD (SMITHVILLE) 3 BR 2 BA…$775 RNT/$450DEP 1912-A BUCK LN 3BR/2BA…$650RNT/$400DEP 2312-A DOMINION CT 3BR/2BA…$725RNT/$400DEP 511 EUGEMAR 2BR-1BA…$395RNT/$100DEP 712-A EIGHTH AVE 2BR-1BA…$450RNT/$300DEP 503 FLAMINGO 3BR-2BA…$1050RNT/ 500DEP 3608 & 3616 MAYFAIR 3BR-2BA…$750RNT/$400DEP 1027 SUMMITT 3BR-3BA…$1100RNT/$700DEP 2302-B & 2308-A OLD DOMINION 3BR-2BA…$725RNT/$400DEP

679

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UNFURNISHED HOMES

602 Tenth 3/1 CHA, fenced, $550 R/Dep. 806 Rood St. 2/1 $400 R/Dep. 1601 Whis Pine 3/1.5,CHA,new paint/carpet $725R/Dep. 925 Story Rd. Ashburn GA, 3 brm, 2 ba home, CHA, 2 acres $550 R/Dep. Call 229-395-5802 9am-7pm. No pets! Ask about discount for Seniors 65 and up.

Lee County 3BR Available 435-1327

&

B&B Rental Agency Since 1946 605 Pine Ave • 435-5216

317 A STATION CROSSING 2BR $475 mth/$400 dep 111 WARRINGTON (LEE) 3BR $795 mth/$700 dep 1305 W 4TH AVE 3BR $695 mth/$600 dep 333 A CREEKSIDE (LEE) 3BR $595 mth/ $500 dep 126 RAVENWOOD (LEE) 3BR $725 mth/$600 dep 415 B STATION CROSSING 3BR $550 mth/$500 dep 132 TOCCOA (LEE) 3BR $875 mth/$750 dep

Townhouse 3 Bed / 1 1/2 Bath, Fenced Yard Walking Distance From Westover High $625/month

439 Kingswood Drive

Townhouse 2 Bed / 1 1/2 Bath, Fenced Yard Walking Distance From Westover High $575/month

DOLEE RENTALS, INC.

AFTER HOURS & WEEKENDS

436-9620 344-5037

Home Delivery is the most convenient & economical way to enjoy your daily newspaper!

Call 888-9322 to Subscribe

3717-B Mayfair, 513-A Lucille 2BR/1BA $435/mo 606 N. Cleveland Upstairs 1BR $285 512-A W. Residence 1BR/1BA $275/mo 2709 W. Doublegate 4BR/3BA $895/mo

3BR/2BA 2000 sqft $1295/mo

1008-A N. Davis 1BR/1BA $345 1925-A Buck Lane 3BR/2BA $625 506 N. Carroll

888-5843

2BR/1BA $295

Do you have a Service?

Advertise with Us! THE ALBANY HERALD

2515-D Buck Court Townhouse, 2 Bed, 1.5 Bath, $550/month

409-B Station Crossing Dr. Duplex, 3 Bed, 2 Bath, DCA Accepted, $550/month Police Officers $500/Month

3952 Rodnor Forest Lane - Duplex 3 Bed, 2 Bath $675/month

435-5467 110 N. WESTOVER BLVD

1316 10TH AVE 3BR-1BA…$550RNT/$400DEP

2607-B POINTE NORTH 2BR/1BA…$525RNT/$300DEP

1926 Dawson Rd.

Deposit Is Same As Rent

FOR RENT

GARDNER, WHITING, & MALONE 2BR-1BA…$325RNT/$200DEP

1010 2ND AVE 2BR/1BA…$425RNT/$300DEP

Albany Property Management

429 Kingswood Drive

1012-A DAVIDSON 2BR-1BA…$400RNT/$200DEP

1710 DORCHESTER 3BR/2BA…$975RNT/$650DEP

4BR

UNFURNISHED HOMES

ALBANY, GA

ANN THOMAS 436-6628

908 Dorsett 2BR, 1BA, $25,000

GRI

FOR SALE

4102 Harris Rd, 10 ac (vacant land) $65,000

PENDING

702 Cherry (vancant lot), $5,000

721 N Broad St. (Doerun), 3BR, 2BA, $44,000

1608 Orchard, 2BR, 2BA, $84,900

2704 Joshua, 2BR, 1BA, $25,000

210 Waverly, 3BR, 1BA, Den, $34,000

5601 Ironwood (vacant lot), 3.34 acres, $55,000

2306 Lamar, 3BR 2BA $44,900

906 Holloway, 3BR 1BA $50,000

5018 Faceville Hay(Bainbridge) 3Br 2Ba $90,000 214 Main St(Sasser) 3BR 3 bath $216,000

FOR RENT

524 Gowan 3BR, 2BA, $450per mo.

“Yes, you can buy a home, ask me”

10 THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com

679

UNFURNISHED HOMES

704

COMMERCIAL LOTS

New Home For Lease 3BR/2BA in the City of Leesburg $1,100/mo Call 229-343-0900.

Commercial Lot For Sale.

Great Location 2901 Gillionville Road. Call 229-343-0900.

Spacious Home, nice yard, CH&A, HW, renovated. 3/1.

Reduced Price. 395-8697

708

681

701

HOMES FOR SALE

708

HOMES FOR SALE

HOMES FOR SALE

120 Friendship Trail Moultrie 3BR/2BA, MLS#S903189A $164,900 Moultrie 229-890-1186

WHSE. SPACE / MINI-WAREHOUSE

Blakely, GA warehouse space for Rent. Great location in city.

6.51 ac fenced w/60K sqft of space, 2 loading docks, plenty room for employee parking.

Formally clothing mfg. 2000sq ft ofc space in front w/reception area. $2000/month. Call 646-831-0629.

708

1601 Cool Springs Rd. Norman Park Ga 4BR/4BA $269,000 MLS#S903511A Moultrie 229-890-1186

1015 40th St. 3BR/2BA $104,000 MLS#123308 Judy May-TIFTON 229-386-1777/ 229-402-1637

ACREAGE OVER 75

Publisher’s Notice 2000 Wiregrass Cir. Moultrie 3BR/3BA MLS# S903242A $249,900 Moultrie 229-890-1186

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.

166 Sam Caldwell Ln $169,500 3BR/2BA MLS# 121854 Judy May-TIFTON 229-386-1777/ 229-402-1637

221 Hidden Lakes ENIGMA 3BR/2BA MLS#123327 $105,000 Call:229-386-4222

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.

703

COMMERCIAL BUILDINGS

1400 Collier Rd. SYCAMORE $250,000 MLS# 119738 Call: 229-386-4222

214 Aspen Lane 3BR/2BA Worth Co MLS# 904058 $136,500 Moultrie 229-890-1186

24 Sprinks Dr. 3BR/2BA TIFTON MLS#123513 $229,900 Judy May-TIFTON 229-386-1777/ 229-402-1637

CLASSIFIEDS WORK!

3BR/2BA Worth Co. 6111 Ruben Ln. 28X64 Double wide on 1ac land, den w/ fireplace, LR. 894-5077 Reduced Price!

5708 Forest Lakes Dr. 4BR/3BA TIFTON $239,900 MLS#122190 Call: 229-386-4222

3131 Pebble Hill Dr. 3BR/2BA Tifton MLS# 903350 $175,000 Moultrie 229-890-1186

888-9333 3BR/2BA, Sprinkler System, Bonus Room Upstairs, Large LR, Spacious Laundry Room with Cabinets, Privacy Fence, Nice Landscaped Backyard. Call 229-886-3006

FSBO, Great Buy in the City of Leesburg, 3BR/2BA, Open Floor Plan, Privacy Fence, Great Neighborhood! 2-Car Garage.

Call 229-347-0845

THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com 11

708

HOMES FOR SALE

708

HOMES FOR SALE

708

HOMES FOR SALE

3BR/2BA, Upstairs Bonus Room could be 4th BR, Large LR, Spacious Kitchen with walk-in Pantry, Split Floor Plan, 2-Car Garage with Storage. Call 229-343-1412

8 Deborah Dr. 3BR/2BA TIFTON MLS#122903 $193,600 Call: 229-386-4222

HOMES FOR SALE

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

4702 Brookwood TIFTON 4BR/2BA MLS#12381 $229,900 Judy May-TIFTON 229-386-1777/ 229-402-1637

Hardwood Floors, 3 BR/2BA, Open Floor Plan, Eat-In Kitchen with Pantry, Walk-in Closet and Garden Tub in Master, Call 229-291-0708 FSBO 3BR/2BA in the City of Leesburg, Split Floor Plan, Privacy Fence, Eat-In Kitchen, Laundry Room, Nice Front Porch, 2-Car Garage, Call 229-343-0900 FSBO Lake Park 408 Whippoorwill Rd. 3BR/2BA 1812 sq. ft. Updated Kitchen & Baths, Sprinkler System$142K 395-2898

708

839 Jacob Hall Rd TIFTON 4BR/4BA $574,000 MLS#121561 Judy May-TIFTON 229-386-1777/ 229-402-1637

INVESTMENT PROPERTY

3415 West US HWY 82 TIFTON $1,800,000 MLS# 123409 Call: 229-386-4222

REAL ESTATE Deadline For Sunday Real Estate ads Classified Line Ads

Lee Co. 3BR/2BA Updated! 126 Upatoi Rd. $124,900 439-0891

710

IS FRIDAY 10:00 A.M.

712

RENTAL PROPERTY

CALL THE ALBANY HERALD CLASSIFIED DEPARTMENT TODAY TO GET YOUR PROPERTY RENTED!!

229-888-9333

12 THE ALBANY HERALD • HOMES • Sunday, July 6, 2014 • www.albanyherald.com

DID YOU KNOW? Several varieties of roses are thornless or have very few thorns. Many plant breeders have developed roses without thorns, which are particularly safe for elderly gardeners, gardeners who have young children or pets or those who simply do not want to worry about thorns on their rose bushes. Smooth Touch roses are a popular and thorn-free breed of rose developed in California in the 1960s by Harvey Davidson. These roses are touted as 95 to 100 percent free of thorns. Some of the Smooth Touch series include, "Ballerina," "Moonlight" and "Snowflake." A moderate climber, the "Zephirine Drouhin," named after the wife of a French rose enthusiast, is another popular thorn-free breed of rose. Several multiflora ramblers that descended from Asian rose species also are free of thorns.

"Ghislaine de Feligonde," "Veilchenblau," "Goldfinch," and "Ice Tea" are others that feature thorn-free canes and stems.

overnight. Even investors who are looking to invest in an up-and-coming neighborhood must be prepared to hold onto their Continued from page 6 properties for at least a few years, if not much longer, to maximize their investments.

Though real estate is a sound investment, it is not a get rich quick type of investment, so investors looking to make a quick buck should consider alternatives before buying investment properties.

Size First-time real estate investors might be wise to choose a smaller property for their initial investment. Larger properties can be overwhelming to manage, and investors often rely on property management firms to tend to these properties.

Such firms charge more to manage bigger properties, which can eat into investors' finances. Veteran investors can handle such overhead costs, but firsttimers might find themselves caught off guard upon realizing the gravity of their financial commitment. A good rule of thumb for first-time investors is to stick to smaller properties, only moving on to larger buildings once they are fully comfortable with all that comes with investing in real estate.

Costs The cost of a real estate investment goes beyond the purchase price of the home. In addition to the mortgage on the property, investors must pay the taxes and insurance on the property, as well as any costs associated with maintaining and managing the property. Certain tax breaks are available to real estate investors depending on where they live. For example, in the United States, taxes on the profits when a property is sold may be deferred if those profits are immediately rolled into another property (such a deferment is only available to those investors who arrange this exchange prior to selling the initial property).

Potential investors need to consider all of these costs, and might want to hire a real estate lawyer to help them make the most of their investments and any profits they yield. But even hiring an attorney is an additional cost investors must consider before investing.

Investing

EQUAL HOUSING OPPORTUNITY

New Listings $ 1000 Each

Contact Multimedia Representative Albany Herald

today to run your

listing next Sunday 229-888-7653

1405 Gleaton Rd Worth County $58,900, MLS#131654, 3BR / 2BA, 1248SF Mobile Home with spit bedroom design on permanent foundation surrounded by 3.2 Acres, open & wooded with a nice storage building Lavonda Paulk 881-0818 RBG The Anderson Co. 888-5646

309 Hickory Grove Rd. Leesburg $399,900, MLS#131608 5BR / 3BA, 4500SF Theater, Pool Rm, Lrg Sunrm, Wired Wkshop, Triple Garage Vickie Giles-Griffin 894-2424 RE/MAX OF ALBANY, INC. 434-1600

228 Berkeley Rd $139,900, MLS#131646 3BR / 2BA, 1476SF Updated, Ceramic Tile, Laminate, Large Bedrooms, Large Family Room, DR Vickie Giles-Griffin 894-2424 RE/MAX OF ALBANY, INC. 434-1600

1804 Green Valley $112,500, MLS#131670 3BR / 2BA, 1861SF 3 Nice Sized Bedrooms, Formal LR & DR Dianne Barlow 886-4777 Albany Realty Co. 883-6100

118 Crapps Road $149,900, MLS#131685 3BR / 2.5BA, 2332SF Lrg Brick Home In The Country, Yet Convenient To Town!

Kim Bland 395-6900 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

1706 Pineknoll Lane $149,900, MLS#131693 4BR / 2BA, 2788SF, Beautiful, Updated French Provincial Home w/many Updates, Seller willing to lease for $1200/month Patsy Martin 343-8197 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

216 Robertson Drive $163,900, MLS#131697 4BR / 2BA, 1650SF New Brick Home W/all Modern Fixtures & Open Floor Plan Christy Wright 347-2829 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

1110 River Pointe Drive $374,900, MLS#131700 5BR / 4BA, 4091SF Water Front Property In River Pointe Plantation!

Mary Linda Cotten 347-0953 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

215 Leland Ferrell Drive $279,900, MLS#131705 4BR / 2.5BA, 3010SF Executive Home In Lee County’s Popular Northampton Estates Marci Langley 349-3229 COLDWELL BANKER WALDEN & KIRKLAND 436-8811

5004 Barrington $379,500, 4BR / 3.5BA, 3454SF Lake Front Showplace Gourmet Kitchen - Mint Condition Debbie Fulford 343-4200 RE/MAX OF ALBANY, INC. 434-1600