SWGA Homes 062815 by Albany Herald

Sunday, June 28, 2015

FEATURED HOME

1717 Pineknoll Lane, Albany

$136,900

Article by JENNIFER KING jennifer.king@albanyherald.com

onvenient to dining and shopping in Albany, this traditional brick home offers nearly 1,800 square feet of living space. The threebedroom, two-bathroom home features nicely manicured landscaping. The entire yard is dappled with shade. A long paved walking path leads from the road directly to the front door. A driveway at the rear of the home leads to an attached double carport. The centered front entrance opens to a traditional foyer with the living room situated straight ahead. Hardwoods are

located in the foyer, dining room, and home office. Within the living room there is a cozy brick fireplace flanked by two windows. Crown molding and baseboard frame the walls in this space and in the formal dining room. An exterior door at the rear of the room leads out to the homeâ&#x20AC;&#x2122;s rear patio. Lovely landscaping surrounds the patio and provides a bit of privacy. Through a set of French doors just off the living room, you will find the formal dining room. Gleaming hardwoods give the space a warm feel.

Two sunny windows provide natural light, and a centered chandelier adds a nice glow. Next, the tiled kitchen has creamcolored cabinets and stainless steel appliances. This eat-in kitchen has a casual dining space, and additional room if you would like to insert a center island. The kitchen sink is situated under a window that overlooks the backyard. Adjacent to the kitchen is a home office with hardwood floors and judges panels. The master features a private

bathroom and ample closet storage. Both of the guest bedrooms are goodsized and share hallway access to the guest bathroom. Outdoors an out building provides storage for lawn tools. The backyard is fenced and heavily landscaped for enjoyable views. If you would like more information about this home or would like to schedule a private tour, please contact Chuck Willcox of Willcox Realty Company at his office (229) 435-1717 or on cell (229) 886-2521.

www.needmoreproperties.com

Greenbriar Apartments 3110 Graystone Lane, Albany, GA 8455 Graves Hwy PRICE REDUCED $159,000 MLS#127160 3BR/2BA, 1705SF Pretty Country Home Immaculate/ move in ready Debbie Satterfield 343-6307 Needmore Properties 439-1837

2529 Bascom $120,000 MLS#133400 3 BD, 2 BA, Immaculate, move-in ready! Closets have custom shelving. Very pretty landscaping. Lots of tile. Debbie Satterfield 343-6307 Needmore Properties 439-1837

1548 State Hwy 32 West $275,000 MLS#133450 3 BD, 2 BA Beautiful home in the country! Top -of -the -line kitchen! Wooded lot w/ barn and 3 storage buildings, Small tractor & zero-turn mower also included Debbie Satterfield 343-6307 Needmore Properties 439-1837

House on 20+/- acres, near Sasser $292,000 MLS#133176 3 bd, 2.5 bath Beautiful Home in the Country! 2066 sq. ft. Two Ponds on Property Plus 1500 sq. ft. Wired Workshop! Needmore Properties 439-1837 Office Debbie Satterfield 343-6307

2304 Masters Ct. MLS#134060, $289,900, Sqft 2928 Directions: Old Dawson Rd to East Double Gate, Left on Golf Course Drive, Left on Masters Ct. home on Left 5BR, 3BA, Totally Renovated!! Doublegate Woods. Foyer is Grand Opening to GR & Formal DR. New Stainless Steel Appliances, granite counter tops, cherry oak cabinetry, Fireplace in Great Room On Duty - Al Blanch 229-854-1952

2307 Masters Ct. MLS#133158, $329,000, Sqft 3220 Directions: Old Dawson Rd to East Double Gate, Left on Golf Course Drive, Left on Masters Ct. home on Right 4BR, 3BA, Located in Doublegate Woods, Foyer, Office, Formal Dining Room, Huge Great Room, 14ft Ceilings, HW Floors, Salt Water Pool Agent on Duty - Rick Turner 229-485-6040

210 Ambleside MLS#133927, $159,900, Sqft 1837 Directions: Take Winifred Road to Ambleside. Home on right REDUCED! 3BR, 2BA, Split floor plan, vaulted ceilings in Great Room, Fireplace, Surround Sound, Dining Room with Laminate Floors, Galley Kitchen, Stainless Steel Appliances, Breakfast Bar Jacuzzi Tub Agent on Duty - Vickki Blanch 229-854-1952

140 Deer Trace MLS#132048, $334,900, Sqft 3620 Directions: Take Hwy 82W towards DAWSON take left onto Cookville Road, take first left onto DEER TRACE DRIVE, home on right 5BR, 4BA, Lee Co. 1.25 acres, immaculate, HW Flrs, FP, Office, Sunroom, Workshop, Country Living only 10 mins from Albany Agent on Duty - Jean Shiver 229-347-0221

TO PLACE YOUR OPEN HOUSE CALL DEBI GRIFFIN

Multimedia Representative Albany Herald 888-7653

Apartment Floor Plans: 897 square feet - 1BR/1BA 957 square feet - 1BR/1BA w/study 1227 square feet - 2BR/2BA 1397 square feet - 3BR/2BA

(229) 435-1017

Washer/dryer connections in all units Laundry on-site Pool Tennis courts

Move-in Specials: Applications-$25 per Amenities: Security Deposit -$200 Water, sewage, garbage included in rent Other Special Features: Quiet setting, on-site courtesy officers, patio/balcony, appliances, large closets

2 THE ALBANY HERALD • SWGA HOMES • Sunday, June 28, 2015 • www.albanyherald.com

HOW MUCH HOUSE CAN YOU AFFORD?

MORTGAGE RATES

Determining how much “home you can afford” depends on several important factors including: •

You can get a very rough estimate of your affordable home price range by multiplying your annual gross income by 2.5. For example, if your annual gross income is $50,000, you may be able to afford a home worth $125,000 (this varies depending on current interest rates, your debt and credit history.)

•

Your credit can affect your ability to qualify for a mortgage and your mortgage rate. Before you shop for a house or a mortgage, find out what your credit score is by visiting www.annualcreditreport.com or calling (877) 322-8228. Be sure to do this once a year because your score can be negatively affected if pulled too often.

•

Subject To Change Upon Short Notice

LENDER

Mortgage rates change constantly based on the economic factors that affect the demand for mortgages among investors like Freddie Mac. You can track mortgage rate trends by following Freddie Mac’s Primary Mortgage Market Survey. You will have to make a downpayment of at least 5 percent of the home purchase price to qualify for a mortgage that meets Freddie Mac’s requirements. If you are able to put down 20 percent or more, you can avoid having to pay private mortgage insurance (PMI), reducing your monthly mortgage payment.

•

If you are looking to buy a condominium, keep in mind that rates are typically higher for these loans and you’ll have to budget for the cost of your monthly condominium fee.

•

(No Points) (No Points)

Cap

Rate

Cap

Rate

30 yr.

AB&T National Bank 229-446-2265

4.00 3.125

3.75

3.25

Ameris 229-434-4555

3.625 2.875

3.25

2.75

Colony Bank 229-436-9000

3.625 2.875

3.25

3.00

3.875

Flint Community Bank 229-903-1400

3.875

3.00

3.75

3.25

Northside Mortgage 229-878-1499

3.50 2.625

3.50

2.625

3.375

Regions Mortgage Inc. 229-434-6817

4.00 3.125

3.875

Suntrust Mortgage Inc. 229-430-5494

3.50

2.75

3.25

4.00 3.125

3.75

3.25

3.75

12844 NML 166305 166418 28262

You should consider your current living standards, as well as any future major expenses such as a wedding or college tuition. And, remember - buy what you can comfortably afford today, not five years from now.

•

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

Synovus Mortgage 229-430-7037

Remember to factor in the expenses and fees you will incur for a home appraisal, a home inspection and other professional services required to buy a home.

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.

KEY RATIOS LENDERS USE To determine how much you can afford, it is helpful to follow the guidance and key ratios lenders use : •

Lenders recommend that your mortgage payment (principal, interest, taxes and mortgage insurance) be less than 28 percent of your monthly gross income.

•

Lenders look to see that all your other debts (credit cards, student loans, alimony, child support, car loans and housing expenses) are less than 30-40 percent of your monthly gross income.

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.

For More Information •

City of Albany Georgia Power Mitchell EMC Sumter EMC 883-8330 436-3304 436-0070 759-2291 TELEPHONE AT&T Residential 888-757-6500 www.att.com Business 866-620-6000 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 Dougherty County Public School System Lee County School System 431-1264 229-903-2100 (circulation dept.) 888-9322 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

3.75%

4.00%

4.25%

4.50%

4.75%

5.00%

5.25%

5.50%

$50,000

232

239

247

255

263

271

277

284

60,000

278

287

295

303

311

319

327

332

70,000

325

335

345

355

365

375

387

398

80,000

371

382

393

403

413

423

442

455

90,000

417

430

444

458

472

486

497

512

100,000

464

478

492

506

520

534

497

512

110,000

510

526

542

558

574

590

553

568

120,000

556

573

591

609

627

645

608

625

130,000

603

621

641

661

681

700

663

682

140,000

649

669

689

709

729

749

718

739

150,000

695

717

738

760

782

804

774

795

160,000

741

764

788

812

836

860

829

852

170,000

788

812

836

860

884

908

884

909

180,000

834

860

886

912

938

964

939

966

190,000

880

908

936

964

992

1020

1050

1079

200,000

927

955

984

1011

1044

1067

1105

1136

www.lakeblackshear.com 2031 N. Slappey Blvd Albany, GA Allan Willcox 435-1717

Chuck Willcox 435-1717

Vonnice Brown 344-4700

Custom Built Home With 218 Main Lake Views! Feet On Main Lake! 5 Bedrooms, 4 Bedroom 3 Bath Over 5000 Square Ft, Hardwood On An Acres Lot, Floors, Bonus / Rec Room, Mother In Law Suite, Double Boathouse, Master Sunroom, Seawall $480,000 Bedroom Donstairs $595,000

Cedar Grove S/d, 3 Br 2 Ba, 1797 Sq Ft, Garage, Large Living Room, Den $159,900

Lake Park School District, Very Well Maintained Home, 3 Br, 2 Ba, 1787 Square Ft, Hardwood Floors And Tile, Dining Area, Office And Eat In Kitchen $136,900

Kathy Slaughter 347-8650

Paul Powell 347-9829

Near Booger Bottom! 2 Bedroom, 2 Bath In Excellent Condition, Dock And Boat Ramp, Lots Of Water Front $237,500

435-1717

OPEN HOUSE

Saturday June 27th 1:00 - 3:00

3BR 2BA,1550 Sqft, 4 Br, 3 Ba, Great Location Near Publix, 1939 Square Ft, Fenced Brick Home, Living Room, 3 Bedroom, 2 Ba, Yard, Living Rm And Den Recently Updated, Den, Eat In Kitchen, $149,900 Fenced Yard, $94,900 Fenced Yard $99,900

Merry Acres West S/D, 4BR, 3.5BA, 3114 Sf, Granite Countertops, Split Bedroom Design, Covered Porch $309,000

2400 Square Feet, New Carpet And New Paint, Bonus Room, 3/4 Bedrooms, 2 Bath, Eat In Kitchen, Hardwood Floors, Fenced Yard $149,500

694 SCENIC RT

Lake Park School District, 4 Bedroom 3 Bath, Updated Bathrooms, Fenced Yard , Living Rm, Den And Office / Mother In Law Suite $137,900

Excellent Location With 89 Feet On Water, 3 Bedroom 2 Ba Metal Roof, Dock, Screened Porch, $299,000

4 Bedroom, 2 Ba, Acre Lot, 2300 Sqft, Living Room, Den $125,000

New Construction On The Water, 1600 Square Ft, Sunroom, 3 Bedroom, 2 Bath $229,900

GREAT INVESTMENT!!! 3 Bedroom , Fixer Upper $14,000

Pine Glen S/D, 4 Br, 3 Ba, 3 Br, 2.5 Baths, 2100 Sqaure Ft, 1800 Square Ft, Inground Large Fenced Yard, Pool, Living Rm, Den And Garage, Family Room, Den Dining Area $119,900 $135,000

LOTS FOR SALE LAKE BLACKSHEAR

108 Feet On The Water, Boatslip. $60,000 ...................................................................................................................CALL

SWIFT CREEK

ALLAN 886-2828

150 Ft. Of Water Front Property, Well Or City Water, Sep. Tank $53,750

1.6 ACRE LOT NORTH VALHALLA

150 Ft. Right On The Water. $89,500 .............................................................................................................................CALL

NORTH CEDAR CREEK

ALLAN 886-2828

Very Good Water Location. 196 Ft. Water Front. 1.16 Acre. $96,000

375 FLINTSIDE Custom Built Home on Pataula Creek, Great Views with 72 feet on water, 3 BR 2.5 BA, no corp line, 2356 SQ FT, Workshop and Entertaining Area, $325,000

Main Lake Lot, 80 Feet On Water, Dock. $159,500 .................................................................................................CALL

CHUCK 886-2521

1.11 Acres With More Than 280 Ft. Overlooking Water. $145,000 ...................................................................CALL

ALLAN 886-2828

Main Lake Lot, Crisp County, 75 Feet On Water, Seawall. $139,900 ...............................................................CALL

CHUCK 886-2521

LOT 8 CANNON BRANCH

490 LAKESHORE WAY 847 FINTSIDE

100 Ft. Waterfront, Dock And Boat House $154,000

CANNON BRANCH SUBDIVISION

CALL CHUCK 886-2521

Several Lots In New Subdivision. Restrictive Covenants, Excellent Neighborhood. Water Front Lots Start At $80,000

Southern Charm On Lake Blackshear, Great Views! Hardwood Floors And Granite, 3 Br, 3.5 Baths, 2400 Square Ft, Boathouse $575,000

THE ALBANY HERALD • SWGA HOMES • Sunday, June 28, 2015 • www.albanyherald.com 3

Dianne Barlow 886-4777

Denise Ballard 364-0450

883-6100

Mike Flynn 376-2361

Susie Hardin 291-3977

Lisa Bartlett 214-0005

William Jackson 344-3029

Judy Bowles 449-8710

Terri Kerrey 894-3050

New Homes - Coming June 2015 East Albany’s Finest

Mark Daniels 347-3454

Erica Nepote 395-6861

Rosebrier Gardens

Kristy Wingate 343-4663

Affordable Homes Under $90,000 $142,000 3BR / 2BA 1531 SF Open Floor Plan, Split BR MBA Jacuzzi Tub, Tiled Shower

$315,000 3BR / 4BA 2689 SF Master Suite has enormous Closet Luxurious Pool & Patio w/fireplace

$119,900 3BR / 2BA 1720 SF Updated: LR, DR & Den off Kitchen Covered Patio, Storage Buildings

MLS # 133125

MLS # 132933

MLS #134125

$59,900 4BR / 1BA 1423 SF Living Room w/fireplace Outdoor Grilling Area

$79,900 4BR / 2.5BA 2800 SF INVESTOR SPECIAL!! Solid Home needs some TLC

$116,000 3BR / 2BA 2191 SF Living Room, Dining Room, Sun Rm & Den, 2 Stg Buildings, Fenced Backyard

MLS # 134102

MLS # 133336

MLS # 133690

Offered by: Humphrey Real Properties LLC 802 W. Broad Avenue • Albany, GA 31701 Office Number: 229-439-9116 • www.sgahomeinfo.com Mary Humphrey 229-347-0664 • Isha Odom 229-894-0463

WHO’S WHO IN MORTGAGE LENDING NATIONAL BANK Mortgage Loan Originator

Member FDIC

Jamie Parker 364-4121

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

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

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

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

Call Debi Griffin @ 888-7653 to place

Mortgage Loan Officer

Call Debi Griffin @ 888-7653 to place

your Mortgage Company

Ad Here

Ad Here The Bank of Camilla is insured by the FDIC and is an Equal Housing Lender.

4 THE ALBANY HERALD • SWGA HOMES • Sunday, June 28, 2015 • www.albanyherald.com

Planning a home improvement project? Financing is the first tool you'll need (BPT) - If you're planning a home improvement project this year, you're in good company. The economy and housing market are recovering, home values and equity are rising, and many homeowners are beginning projects they had put off over the past few years. A recent report by the Joint Center of Housing Studies at Harvard University predicts that the home improvement industry could post record-level spending in 2015. Creating your dream home could involve major work, like remodeling a bathroom or finishing a basement, or smaller changes like landscaping or new flooring. As costs can range from $30 for a can of paint to six figures for big additions, a significant part of planning your project is financing. Numerous options may be available and it's important to seek information from an experienced financial professional. "Many consumers aren't aware of all the financing options for home improvement, or they may not have thought of those options to pay for the work they want to do," says Kelly Kockos, senior vice president with Wells Fargo Home Equity. "Homeowners can start by defining a vision of what they want their finished project to look like, and talking with a banker or lender to explore how to pay for it." As you prepare to make decisions about financing, ask yourself these questions to get started: Size of project: How much do you want to spend, and will you need access to funds throughout your project or one lump sum? You may not know your total budget but it's important to have a good idea of what your project might cost. DIY vs. contractor: Are you planning to do the work yourself or hire a contractor? If you are using a contractor, references and your own research can help you make an informed choice. Repayment plan: Will you need long-term financing or is

short-term financing sufficient? If you plan to borrow funds, consider the monthly payment that would fit your budget.These are some common financing options to explore: *Home Equity Line of Credit (HELOC) - A HELOC can provide ongoing access to funds using the equity in your home, which typically results in lower interest rates than unsecured credit. This type of credit may also provide you potential tax benefits. Consult your tax advisor regarding the deductibility of interest. Wells Fargo has a combination of industry-leading features to help you borrow responsibly - principal and interest payments that rebuild your equity, annual and lifetime rate caps, and the ability to lock and unlock your rate with a fixed rate advance. *Mortgages with built-in renovation financing - These loans help homeowners complete renovations with a loan amount that is based on an appraiser's estimate of what the property value will be with completed improvements. This is also an option for aspiring homeowners who purchase properties that need repair. Whether a home purchase or a refinance, this option finances the renovations and mortgage in one loan. Wells Fargo is the nation's leading originator of renovation financing, with a dedicated team of home mortgage consultants specializing in renovation lending. *Cash-out refinance mortgages - A cash-out refinance replaces your current mortgage with a new and larger mortgage that pays off your current balance and allows you to use the equity in your home to provide additional funds for other purposes. *Credit card - Credit cards can be used for large or small purchases and may earn rewards, which can add up to significant benefits when you're making big home improvement purchases. However, credit cards often have higher interest rates than other loan or credit options, which should be taken

into consideration. *Personal loans and lines of credit These personal credit options typically offer quick credit decisions and access to funds in a day. Lines of credit provide ongoing access to funds. *Savings - If you have a do-ityourself project or a small renovation, accessing your savings might be an option. By paying cash, there is faster access to funds and nothing to repay. Your bank may not be the best source for what color to paint your room or which walls to move, but it can help you identify your financial options. & A S S O C I A T E S R E A L T Y , L L C

Each option has its associated benefits and considerations, and your bank can provide valuable information to help you make informed decisions about which options are right for you. More information and tips on home improvement financing are available online in the Wells Fargo Home Improvement Lending Center, including a financing option comparison tool. With these tips and the help of a finance professional, you can go from imagining your modern kitchen or new deck to getting started on them.

NEW LISTING

1140 DAWSON ROAD ALBANY, GEORGIA 31707

www.ugottamove.com

229-883-3000

JOHN ANDERSON BROKER/OWNER APPRAISER

881-3331

TOMMY YORK MOBILE

347-3381

Amazing and beautiful home with so many extras. 4BR, 3BA, split design on quiet cul-de-sac. Chef’s kitchen with extra nice stainless appliances and granite counter tops. Large master suite. Charming screened rear porch. Security alarm and digital cameras.

REDUCED

2808 Reeves Lane Cute & well maintained, 3 BR, 2 BA. Great location in Neat and move-in ready. 3 BR, 1 1/2 BA, NW. Wonderful neighborhood brick and masonite. Freshly painted. and convenient. Screened rear porch. Fenced rear yard. Call agent today for appointment. Wired workshop. Single carport.

1200 sq. ft. $59,900

THE ALBANY HERALD • SWGA HOMES • Sunday, June 28, 2015 • www.albanyherald.com 5

679

UNFURNISHED HOMES

4010 BORIA ST, Baconton, 3BR/2BA, 2100 sqft, all Appliances, $895/mo $895 dep No DCA, 881-4317

Deposit Is Same As Rent 915 W. 3rd Ave 2BR/1BA $525 506 S Valencia 2BR/1BA $435 2304-A Dominion Ct 4BR/3BA $895/mo 1701-B W Oglethorpe 2BR/1.5BA $385/mo 1312-B Whitney 2BR/1BA, $295/mo 2805 C Partridge 3BR/1.5BA, $545

229-888-5843 Drawdy Properties for rent 1109-4th Ave & 2609 Costner Ct. $550-595/mo 2BR Townhouses. 432-0317

679

UNFURNISHED HOMES

Houses for Rent- No PET Policy 4812 Folly Dr. 625 rent/dep. 3br, 2ba. CHA 806 Rood St. 425 rent/dep. 2br, 1ba, CHA 615 Tenth Ave. 475 rent/dep. 2br1ba, CHA. Call 229-395-5802 or 229-395-5801

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

509 C PARK 2BR $425mth /$425dep 1910 GILLESPIE 2BR $495mth / $450 dep 1403 6TH AVE 3BR $575mth / $500 dep 1200 WESTWOOD DR 2BR $595mth /$500 dep 622 11TH AVE 2BR $495mth /$450 dep 317 A STATION CROSSING 2BR $450mth / $400 dep 139 B TWISTED PINES (LEE) 3BR $625mth / $500 dep

For Rent 3BR/21⁄2BA, Country Club Estate, Updated kitchen and baths with large great room. 2,200 sqft. $900/MO 432-5755 Home for rent. Sylvester area. 2600 sq ft home - 3 Bed, 2 bath, lg fam rm, dining rm, kit, freshly painted, fenced yard with rock pool. For info call 229-881-6312 LEE CO 165 Hedgerow Dr. 4/2 split design garage, fireplace, Lrg laundry rm, fenced yard, Tile/granite t-out, all major appl, $1200/mo 344-3215 LEE CO 189 Huntingdon 3/2 garage, fireplace, Tile/Granite t-out, all major appl. Custom cherry cabinet t-out, Great Location, $1125/mo. 344-3215 LEE CO. 3/2, Fenced, $925; 4/2, fenced, $990; 4/2, garage, fenced, $1175. The Wright Co. 435-0654 Lee Co. 3&4BR/2BA Garage & appl. 435-1327 New Home For Lease 3BR/2BA in the City of Leesburg. $1200/mo. Call 229-343-0900. R E M O D E L E D 2 B R / 1 1⁄2 B A Townhouse on Dorsett Ave. $400/mo, $400 dep. 1⁄2 off 1st Months Rent! 854-1390

**DUPLEXES** 1606 A WHISPERWOOD 3 BR 2 BA RENT 650 DEP 650 **HOUSES** 904 MAPLE 2 BR 1 BA RENT 400 DEP 300 **COMING SOON** 504 POPLAR 2 BR 1 BA RENT 350 DEP 250 2112 K GORDON 2 BR 1 BA RENT 400 DEP 300 2002 B GILLIONVILLE 2 BR 1 BA RENT 450 DEP 350 1921 A WHITNEY 2 BR 1 BA RENT 460 DEP 360 607 C EUGEMAR 2 BR 1 BA RENT 500 DEP 400 2531 HILLTOP 2 BR 2 BA RENT 650 DEP 650 2119 JUNIPER 3 BR 1 BA RENT 600 DEP 500

DEPOSIT IS SAME AS RENT Dougherty County

2824 CREEDMOOR 4BR-2.5BA $1650/mo.

1212 Dawson Road Albany, GA 31707 229.883.6100

www.albanyrealtyco.com

4509 CHATEAU 3BR-2BA $925/mo.

701

906 SOUTH 3Br-2BA $695/mo.

3.86 ACRES, $29,000. 1202 Old Pretoria Rd. Call 229-435-2406

205 VALENCIA 4BR-1 1/2BA $675/mo.

Publisher’s Notice

2533 HILLTOP DRIVE 2BR-2BA $600/mo.

ACREAGE OVER 75

704

708

COMMERCIAL LOTS

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

707

WORTH CO- 3 residential lots on Cox Rd., Sylvester, GA.. 1.76 Ac. MLS 133372, 1.73 Ac. MLS 133394 and 2.62 Ac. MLS 133391 all Zoned for Stick Built Homes (NO MOBILE/ MODULAR HOMES). Lots are located on a very quiet dead-end gravel/dirt road. Owner financing available to quailed buyers. Owner Rick Turner (Mob. 229-485-6040), Parker Real Estate Group, LLC 229-438-9019.

708

HOMES FOR SALE

1004 Spring Hill $284,900 5BR, 3.5BA, over 4200 sq. ft. Christy Wright 229-347-2829 Coldwell Banker Walden & Kirkland 229-436-8811

1311 10TH AVE 2BR - 1BA $495/mo. 1812 W. OGLETHORPE 3BR - 1BA $525/mo. 1108 4TH AVE. 2BR-1BA $495/mo. Includes water & sewage

(229) 883-6155 www.1key4me.com 1013 Pine Ave. Albany GA 31701

1001 W. Oglethorpe 1307-1315 WASHINGTON $99 Move in Rent Special MURPHYS MILL (AMERICUS) 1, 2, & 3 Bedrooms available 179 BIG OAK (LEE CO) 2BR/2BA…$700RNT/400DEP 134 MAYFIELD DR (LEE CO) 3BR/2BA…$1000RNT/500DEP 10135 WOODPECKER (BACONTON) 2BR/2BA…$695RNT/$400DEP 2825 W. DOUBLEGATE DR 3BR/2.5BA…$1200RNT/$800DEP 3101-F CREPE MYRTLE 1BR/1BA…$475RNT/$300DEP 3107-B CREPE MYRTLE 2BR/2BA…$600RNT/$350DEP 306 JOHNSON RD 3BR/1BA…$475RNT/$250DEP 2208-A STUART AVE 2BR/1.5BA…$450RNT/$300DEP 1718 GREENVALE 3BR/1BA…$700RNT/$500DEP 715 10TH AVE 3BR/1BA…$625RNT/$400DEP 404 ROBINSON (RENT SPECIAL) 2BR/1BA…$400RNT/$99DEP 2801-B PARTRIDGE 2BR/1.5BA…$525RNT/$300DEP

165 Pine Summit Dr MLS#133511 3BR/2BA, Brick, Fam Rm w/FP, DR, Split FL Plan, Sprinkler Sys, Corner Lot ReMax of Albany Inc Vickie Griffin 894-2424 229-434-1600 Ext; 4134

104 Winchester Drive 5BR, 2.5BA, 2,351 sqft Updated and looking for a new owner! A must see! $213,900, MLS# 133684 Alice Jolley 869-0358/ Penni Ivy 347-0554 Coldwell Banker Walden and Kirkland 436-8811

183 Wiregrass Pool $279,900 4BR, 3.5BA Christy Wright 229-347-2829 Coldwell Banker Walden & Kirkland 229-436-8811

1312-A W. 4TH AVE 2BR/1BA…$495RNT/$300DEP

436-9620 344-5037

DOLEE RENTALS, INC.

AFTER HOURS & WEEKENDS

RBG The Anderson Co Realtors - 229/888-5646. If you are having trouble obtaining a new loan CALL Lavonda Paulk 229/881-0818, I have a selection of homes that have owner financing from 70 to 200 range.

Patsy Martin

4 BR/2BA on 1.04 AC. Low down payments & easy financing. For qualified buyer Call: 855-847-6807

ALBANY

George Rosso 364-8387

229-435-6204 3100 Treeline Ln. MLS#134040. Just Listed-Merry Acres WestCorner Lot $319,900 5 BR/3.5 BA, 4004 sq ft, Bonus Rm, Lg Kit, lots of storage, Gunite Pool ReMax of Albany Inc Vickie Griffin 894-2424 229-434-1600 Ext; 4134

Ann Brunson 881-5600 of Albany

229-436-8811

2382 sq ft - 4 bedroom 2 bath s i n g l e f a m i l y. G r e a t location....Lease option available with 580+ credit score, no bankruptcy foreclosure or judgements, down payment required 5101 Barrington Dr, Albany, GA $1650/MO 414-241-7771

5425 Hill Rd. 103,500 Price Reduced 3BR/2BA, Wonderful Quite Corner lot 2 wired workshops Christy Wright 229-347-2829 Coldwell Banker Walden & Kirkland 229-436-8811

FSBO- 513 Johnson Rd. 4BR/2BA 1623 sqft, .32AC, close to Marine Base & P&G. Asking $70,000 Call: 229-535-6414

LEESBURG Rick Turner

229-434-1600

Buying or Selling

485-6040

197 Hawkstead, Leesburg , Ga. MLS# 134029 $197.00This 4 bedroom 2 bath home in Holly Plantation is a great family home. The home features a split plan with 3 bedrooms and full bath away from the Master. George Rosso 229-364-8387 Century 21 Town & Country

116 West Westerlee, Leesburg, Ga. MLS # 134114 $404,000 This beautiful, one owner well maintained and immaculate 4 Bedroom 2 1/2 Bathroom home enters into a large Foyer that opens to a large Greatroom with gas fireplace. A Must See ! George Rosso 229-364-8387 Century 21 Town & Country

REAL ESTATE Deadline

2600 Dawson Heights Road 3BR, 2BA, 1,827 sqft Great starter home! Move-in ready! $99,900, MLS# 133280 Patsy Martin 343-8197 Coldwell Banker Walden and Kirkland 436-8811

ALBANY

Mary LewisHumphrey

509 N Jefferson MLS#132350 Commercial Property for Sale or Lease $375,000 /Warehouse Space 12,000 + sq ft ReMax of Albany Inc Vickie Griffin 894-2424 229-434-1600 Ext; 4134

For Sunday Real Estate ads Classified Line Ads 130 Susina Dr Leesburg, GA 31763 4BR/2BA, 2461 SQ FT, GR w/ FP, hdwd flrs, Kit w/ brkfst area, sunroom, 2-story workshop fully wired.Price: $239,000 MLS: 131455 Ann Brunson RE/MAX of Albany 229-881-5600

IS FRIDAY 10:00 A.M.

PARKER

Real Estate Group, LLC (229) 438-9019

Lee Co. 119 Beowulf $183,900, Granite, Tile Christy Wright 229-347-2829 Coldwell Banker Walden & Kirkland 229-436-8811 LEE CO, New, 3 & 4 BR, w/garage, F/P & Appliances. 229-435-1327

ALBANY Vickie GilesGriffin

Lavonda

of Albany

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.

702

ACREAGE UNDER 75

50 ACRES in New York Rd. area. Great for hunting or mini farm, $1650 per acre. Allied Land & Timber 750-1023 Worth Co. 2.73 Wooded Acres, Well & Septic tank. Mobile Home ok, quiet neighborhood. AS IS Leave Mssg. 776-1856

703

Paulk

1926 MLK Drive Fast Food Restaurant $160,000 Building/$126,000 Equipment and Business Completely remolded building Excellent business opportunity. Seven months positive business growth. Bob Dutton 894-7373 Needmore Properties 439-1837

108 Manchester $365,900 5BR/4.5BA Hidden Lakes for under $75 per SF!!! Completely redone! 4885 SF, 1.3 acre lot with fabulous inground pool. INCREDIBLE $34,000.00 REDUCTION IN PRICE!!! Patsy Martin: 343-8197 Coldwell Banker Walden & Kirkland (229) 436-8811

333 Ascot Way, Sasser $282,000 MLS#134036 3BR/3BA, 3600SF Log Cabin in the Woods! 5.5 acres and a pond! Bob Dutton 894-7373 Needmore Properties 439-1837

886-3803 of Albany

229-434-1600

4BR/2BA New Construction. Lee County 706-424-0496

REBG THE ANDERSON CO

2102 Edgewater Drive 4BR 3BA 2,653 sqft $1,200 per month

2803 Stonewater Drive 3BR 2BA 1,176 sqft $950 per month

Hunters Mill Shopping Center 2610 Dawson Rd

Sylvia Phillips

888-5646

4BR/2BA New Construction, Lee Co. 706-424-0496

383 Martindale Dr Albany, GA 31721 4BR,2.5BA, 2500 SQ FT, Large GR w/ FP, Kitchen w/ brkfst area, DR & Master suite. Lrg garage & storage building. $214,900 MLS:132714 Ann Brunson RE/MAX of Albany 229-881-5600

PELHAM--3BR/1BA Near Pelham Middle School & Wal-Mart. New Paint Inside & Out. 2 Out Buildings Suitable for Another Residence. Near Autry State Prision. Call: 432-5881

Retail & Office Space starting at $800.00 per month

3502 Royal Scot Rd 3BR 2BA 1,799 sqft $1,200.00 per month

1913 Lynwood Lane 3BR 2BA 1,604 sqft $1,100.00 per month.

Warehouse space at 817 Flint Ave, Albany

35’ x 25’ for $250.00 per month; 35’ x 75’ for $650.00 per month.

PRICE REDUCED - LOT 35 $39,000, residential lot in Morgan Farm, Leesburg, GA 6 Gated Community with Spring Fed Pond and Community Pool. Call 229-343-9000

(229) 436-8811 (229) 446-9985

601 N. Slappey Blvd • Albany, Ga

www.waldenandkirklandrentals.com

712

RENTAL PROPERTY

CALL THE ALBANY HERALD CLASSIFIED DEPARTMENT TODAY TO GET YOUR PROPERTY RENTED!! 229-888-9333 “The Grove“ At Oakland Parkway Lee County NEW HOMES For Sale, Lease/Purchase, Build To Suit, Possible Trade The Wright Co. - 435-0654

FREE

PICK UP YOUR COPY TODAY

Terrell County Warehouse $155,000 MLS#113405 10,000 sq ft 2.2 acres Woodworking equipment, antiques and much more! Bob Dutton 894-7373 Needmore Properties 439-1837

881-0818

229-434-1600

COMMERCIAL BUILDINGS

1719 MELROSE 3BR/2BA…$625RNT/$350DEP

914-B W. 1ST AVE (COTTAGE) 1BR/1BA…$345RNT/$200DEP

Lots Available Gated Community-Leesburg 229-343-0900

894-2424

GARDNER, WHITING, & MALONE 2BR/1BA…$325RNT/$50DEP

709-A & D W. 2ND AVE 2BR/1BA…$375RNT/$250DEP

229-436-8811

HOMES FOR SALE

317-4134

5604 RANDALL 2BR/1BA…$425RNT/$425DEP

PARK LN & 1ST AVE 1BR/1BA…$275RNT/$200DEP

Dawn Hobby 347-5517

708

343-8197

1212 EDGERLY 3BR - 1BA $550/mo. 921 SOUTH 3Br-1BA $525/mo.

HOMES FOR SALE

HOMESITES

439-9116

511 BOBBITT AVE 3BR - 2BA $550/mo.

708

HOMES FOR SALE

SW SW GEORGIA GEORGIA

health health beat beat

MONTHLY MONTHLY MAGAZINE MAGAZINE

713

RESORT PROPERTY

Bonapartes Retreat Property, Georgetown, GA, well maintained, completely furnished. 14x70 MH 2BR/1BA, .5 acre lot, includes 24ft P o n t o o n B o a t w / 11 5 h p Johnson Motor, private boat ramp & dock. Call for more info. 229-888-0775 or 229-349-0381

Beau Giles

850-708-5595

Beach Homes & Condos

COUNTS

REAL ESTATE GROUP, INC. 21901 P.C.B. Parkway Panama City Beach, FL 32413

SWGA HOMES 6 THE ALBANY HERALD • SWGA HOMES • Sunday, June 28, 2015 • www.albanyherald.com

Inexpensive ways to boost a home’s curb appeal COURTESY OF METROCONNECTION

Curb appeal can go a long way toward making a home more attractive to its inhabitants as well as prospective buyers once the house is put on the market. Improving curb appeal is a goal for many homeowners, and while many projects aimed at making homes more aesthetically appealing can be costly, there are ways for cost-conscious homeowners to improve their properties without breaking the bank. • Put your green thumb to use. A well-maintained landscape can dramatically improve a home’s curb appeal. Pay attention to the plants, shrubs and trees throughout your property, watering them during periods of little rainfall and trimming them when necessary so your lawn does not look like an overgrown, neglected suburban jungle. Professional landscaping services can help you maintain your property, but even if your budget does not allow for such an expense, you can still make sure your landscape adds to your home’s appeal by keeping a watchful eye on the property and addressing any issues that arise. Maintain your lawn through the colder months of the year as well, making sure no one walks on the grass when frost has settled, as doing so can produce dead spots throughout the lawn. • Redo your front door. While their

eyes may initially be drawn to a wellmanicured lawn, prospective buyers will eventually find their way to the front door. If your door is especially old, consider replacing it. If your budget does not allow for such an expense, you can still give your home’s front entrance an entirely new look by installing some inexpensive molding around the door before giving the door a fresh coat of paint. Molding around the front door can make an entrance more impressive, while a new coat of paint can make a home feel warmer and more vibrant. • Plant flowers. Another inexpensive way to make a home more appealing is to plant some colorful flowers around the property. Line walkways with flowers native to your region, as such plants will last longer than exotic alternatives that may not be capable of adapting to the local climate. In addition to lining walkways, hang window boxes filled with colorful flowers or plants outside naked windows. Doing so can make windows seem larger and add some color to your home’s exterior. Another creative way to make use of colorful flowers is to place a few planters at the foot of your driveway and painting the numbers of your address on the planters. This can be both effortless and inexpensive, but it can instantly make a home more inviting to prospective buyers.

• Spotlight certain parts of your property. Many homeowners focus on improving the curb appeal of their property during the daytime hours, but you can take steps to make a home more appealing at night as well. Solar spotlights placed around trees and other attractive features in your yard can shed light on those areas of your property you’re most proud of, even after the sun has gone down. Solar

5 tips for a seamless moving process

(BPT) - Packing up your entire life and moving it somewhere new is an exciting, yet intimidating task. Whether you're moving across the country or just down the street, you're bound to experience all the ups and downs of the moving process. Between the packing, moving and eventual unpacking, the process seems never ending. It's easy to become overwhelmed when you look around your current home and ask yourself, "What am I supposed to do with all of this stuff?" First thing's first, you need a plan. Don't wait until the last minute to start cramming your belongings into boxes. Take some time to create a moving strategy before taking action. If you're planning a move and are struggling on how to get started packing, follow these tips from Apartment Therapy and Staples for a smooth and painless moving process. * Don't wait to get organized. Don't make the mistake of procrastinating. Even if you're not planning to move anytime soon, you can still take small steps to help your future self. If your home feels like chaos, slowly organize each room, one at a time. When it comes time to pack up and go, you'll be better prepared to take on the challenge. * Purge before packing. View the moving process as a shining opportunity to clear out the clutter. Don't move anything you won't need or want in your new home. The more items you donate or throw away, the less you'll have to pack and move. Your new home will also feel more like a fresh start after paring down your belongings. For added convenience, some charitable organizations offer a pick-up service for donations.

* Color code and pack by room. Using moving boxes and plastic totes, create a system where each box contains items from only one room. You'll be able to simply drop a box in a room of your new home and not have to move it again until it's unpacked. Color coding the boxes by room is helpful to anyone helping you move or unloading the moving truck. They'll know exactly where to drop off each box. * Become a label person. Don't waste time running around searching for lost documents or important items. When it comes to organization, storage and moving, labels are your best friends. Take an inventory of all the boxes you've packed so you're sure not to lose track of any. Keep a master list of each box and its contents in case anything gets lost. For the safe-keeping of important documents, file them in clear boxes so they're conveniently stashed away until you need them. * Stay organized in your new home. Once you've made it to your new home, it's time to unpack and organize. If you're going to make the effort to organize, you might as well get excited about it. Instead of using plain boxes and containers, consider using decorative totes and boxes that look as good as they store. You can use these to develop an organizational strategy in your new home. Additionally, if you use these boxes to pack, your belongings will already be organized before they even enter your new home. Moving doesn't have to be a nightmare. Make a plan, start early and you'll be on your way to a fresh start in your new home. For more moving tips and all the supplies you'll need, visit www.staples.com.

spotlights won’t add to your energy bill, as they are powered by the sun, and they can make certain accents on your property stand out at night. Improving curb appeal may sound like a significant undertaking, but there are many ways budget-conscious homeowners can make their home’s exterior more appealing without going broke.

How to secure the home loan you need (BPT) - Springtime represents new beginnings and is the prime time to get the house in order. Whether you're looking to make a first-time purchase, refresh an existing home or simply leverage built-up equity for other reasons, it's important to figure out which path is right for you and understand the lending options available. Fortunately, Regions Bank and many other financial institutions offer various free online tools and calculators to help consumers get a grip on their budgets and get the best financing for their needs. First-time home buyers have an excellent opportunity to make their move now, as interest rates remain historically low. First, buyers must start with determining what is affordable. In addition to the mortgage payment, housing costs will include property taxes, homeowners insurance and fees, such as homeowner association dues. Altogether, costs should be no more than 28 percent of monthly gross income and should leave room to continue servicing other debt, such as student loans, credit cards or auto loans. When preparing to buy a home, work through credit pre-approval to be ready with a strong offer when the opportunity arises. In addition to reviewing credit history, a loan originator will consider the amount of the down payment. A down payment typically ranges from 3 to 20 percent, and one that is less than 20 percent may require you to purchase mortgage insurance. A mortgage originator, however, can provide a variety of lending options to optimize your investment, from 15- and 30-year mortgages to fixed and variable terms. If the change in seasons is prompting an urge to make some improvements to a much-loved residence, consider financing the updates through a home equity line of credit (HELOC). Eligibility depends on how much equity has been built up in the home and the lender's loan-to-value ratio. A HELOC works much like a credit card and offers flexibility. A minimum amount is paid monthly, and interest applies to the amount borrowed. Before embarking on a remodeling project, do some homework. Start with the lender to determine the value of the home and the loan amount available. Then, establish a budget, leaving room for unexpected expenses. Work with a reputable professional to define the project and its requirements, and shop around for bids and recommendations to confidently select a contractor. Some lenders offer checklists to help get the most from the investment. Another option for financing a project through a home's equity is a home equity loan (HELOAN). As with a mortgage, the loan is granted as a lump sum and is paid back in installments over time, typically 10 to 15 years and at a fixed rate locked in at the time of securing the loan. A HELOAN works well for a onetime goal to improve the value of a home. Be mindful that either a HELOAN or a HELOC introduce some uncertainty, as monthly expenses will increase and must be maintained to avoid foreclosure risk. Remember to consult a professional for advice applicable to your specific situation. Start with a lender who can help you identify financial options available to home buyers and owners today. With careful planning and budgeting, the financing you need may be well within reach.