MMBA 2011 Fall Home Tour

September 9th - 11th, 2011

Sponsored By:

SEPTEMBER 9TH-11TH, 2011 Guide to Homes

1 Baratto Brothers Construction, Inc. 26554 Edna Lake Road Nisswa, MN

2 Northway Construction Services 4205 Seagull Lane Nisswa, MN

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3 B-Dirt Construction, LLC 792 Birch Lane East Gull Lake, MN

2 15

3 4

5 6

4 B-Dirt Construction, LLC 10920 Pillsbury Circle SW Nisswa, MN

5 Dotty Brothers Construction, Inc. 7231 Browns Lane Brainerd, MN

6 Lands End Development, LLC 1975 Red Oak Drive East Gull Lake, MN

Lakes Area Home Tour Hours: Friday, September 9, 2011 • 12:00pm - 6:00pm Saturday, September 10, 2011 • 12:00pm - 6:00pm Sunday, September 11, 2011 • 12:00pm - 4:00pm 2

MMBA Fall Lakes Area Home Tour

Welcome to the FALL Lakes Area Home Tour: On behalf of the Mid-Minnesota Builders Association (MMBA), I would like to welcome you to the Fall Lakes Area Home Tour. Six Homes will be featured on this year’s Fall Lakes Area Home Tour.

Each home is built by the exceptional Builders and suppliers in the Lakes Area. I would like to thank the Prime Sponsors of the Fall Lakes Area Home Tour: W.W.Thompson Concrete Products Co. and Up North Fireplace Gallery.

The Mid-Minnesota Builder’s Association (MMBA) is a professional organization designed to bring builders and members of the business community who rely on the construction trades together to continually improve the industry of home building. Our goal is to provide the best possible products and services to the general public of the Brainerd Lakes Area. We do that by insisting and helping to ensure contractors are licensed and current with their continuing education. The number one thing for the consumer to ask of a contractor is “Are you a Licensed Contractor with the State of Minnesota?” Contractors are required to not only take a license exam but are required to continue their “education” each

year. From there, consumers can check references and make sure they are dealing with a reputable contractor.

The MMBA office is open to the public and acts as a resource to align the public with specific types of products and services within the construction trades. You can visit our website and see a complete list of members by category here in the Brainerd Lakes Area. This includes finance, insurance, maintenance, home improvements, landscaping and much more. With interest rates continuing to be at historic lows, now is a good time to consider building or remodeling your home. There are a number of advancements in energy efficient upgrades to conserve energy and can save homeowners money. Whatever your need is, there is a qualified contractor here in the Brainerd Lakes Area ready and willing to serve you.

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Terry Curtis MMBA President Anderson Brothers Construction Company

Special thanks to this years sponsors:

“The most trusted name in overhead doors and service!”

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One of the most noticeable architectural elements of a home is the garage door. Your garage is no longer just the place you park your car. It’s your workshop, play area, and storage solution. It’s an extension of your home and personality. If you haven’t been in the market for a garage door lately, then you’re in for a surprise. Today’s garage doors are better insulated, stronger and safer than ever before. And, there are lots more styles, colors, windows and new door materials from which to choose that have higher energy efficiency ratings than ever before. Stop by one of our convenient showrooms to find a door that fits your style best.

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MMBA Fall Lakes Area Home Tour

3

2011 MMBA Board of Directors Warren Anderson, Anderson Construction Ray Austin, Kuepers, Inc. Matt Balmer, Lands End Development, LLC Jim Baratto, Baratto Brothers Construction, Inc. Terry Curtis, Anderson Brothers Construction Company Warren Haberman, First Supply, LLC Wayne Harting, Crow Wing Power John Jacklitch, J.P. Jacklitch Contracting, Inc. Joe Ranweiler, B-Dirt Construction, LLC LoAnn Reponen, Culligan Water Conditioning Mike Scott, Superior Mechanical Gerry Traut, Xcel Energy Damien Williams, Nor-Son, Inc. President: Terry Curtis Executive Officer: Colleen Faacks Administrative Assistant: Cheri Seils

Mission Statement The Mid-Minnesota Builders Association (MMBA) of Crow Wing, Wadena and lower Cass Counties, fundamental purpose is to foster a healthy business environment for the home building industry, and to engage in activities that strengthen competitiveness, professionalism, and the public’s confidence in the industry. The MMBA represents more than 265 members, involved in and supporting all phases of the home building industry.

Mid-Minnesota Builders Association 17068 Commercial Park Road, Brainerd, MN 56401 (218) 829-4982 www.midmnba.org

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218.829.5430 | 800.317.5430 www.brainerdglass.net 624 WashingtonStreet • Brainerd [Near the historic water tower] 4

MMBA Fall Lakes Area Home Tour

Boundary Surveys Topographic Surveys Wetland Delineation Environmental Studies Shoreline Preservation Cultural Resources

Site Evaluation

Site Planning Civil Engineering Water Resources Traffic Engineering Landscape Architecture Constructibility Review

Design

Regulatory Permitting Contract Management Construction Engineering NPDES / Erosion Control Building and Site Staking As-Built Surveys

Construction Services

1.

26554 Edna Lake Road • Nisswa

Directions: Turn West onto Edna Lake Road from Hwy. 371 North of Nisswa.Travel to 26554 Edna Lake Road, 1 mile on left.

Large master suite, kitchen pantry, 3 bedrooms, large sun room, detached toy/workshop, octagon vaults, nice private office, bonus bedroom space, open floor plan, granite countertops, warm colors, milled pine from tree on lot, and unique tray ceiling. Home is not for sale.

Baratto Brothers Construction, Inc. Jim Baratto 13872 Shafer Road, Crosslake, MN 56442 Jim Cell: 218-851-4375 • Ben Cell: 218-851-6702 Office: 218-692-1070 jimb@barattobrothers.com www.barattobrothers.com License# 20322437 MMBA Fall Lakes Area Home Tour

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The Lasting Value of Homeownership The housing industry celebrates the many benefits of owning a home. Despite the downturn in the housing market, families continue to seek to achieve the American Dream of homeownership and take their place among the more than 74 million Americans that own a home.

The value Americans place on owning their home continues even through times of economic hardship. The Fannie Mae National Housing Survey conducted in January 2010 showed that two-thirds of American adults said they still preferred owning a home. And 70 percent of respondents said they believe buying a home continues to be one of the safest investments available.

Home appreciation over the long term builds financial security for a family’s future.

But most home owners don’t have to wait for the home’s value to increase to realize the financial benefits. Right from the first year, the majority of home owners are able to annually deduct the mortgage interest and property taxes they paid off their taxable income.This can mean thousands of dollars saved off a family’s tax bill every year.

When the family sells the home, the capital gains exclusion exempts up to $250,000 of the profit ($500,000 for married couples) from taxes.

But the value of homeownership can be much more than financial.

Owning a home can often be a lifestyle improvement, enabling a family to enjoy a neighborhood, features and other amenities that suit their present and future day-to-day activities.

Newly-constructed houses can deliver energy efficiency, storage space, well-designed floor plans, and the latest technologies in electrical systems and appliances. Rooms are often spacious, with high ceilings and lots of windows to let in light. A new home also comes with the peace of mind of little maintenance needed and a warranty against defects.

Existing homes offer neighborhoods whose character has already been established, mature landscaping with tall trees, and an existing selection of businesses and services for the home owner to use. If the home isn’t already a great fit to the buyers’ taste, it can be renovated to reflect the new owners’ needs and preferences.

Homeownership lets families build connections.

Owners take pride in their homes, and develop friendships with other people who also own homes and care about the neighborhood.A home is a place where families make a sanctuary that feels comfortable and safe, and where they develop social networks, begin friendships and create memories that will last a lifetime.

23rd Annual FALL FIREPLACE SALE!

August 27th - September 10th We sell a variety of ‡ :RRG *DV 6WRYHV ‡ )LUHSODFHV ‡ %ULFN 6WRQH ‡ &XOWXUHG 6WRQHŽ ‡ 5HWDLQLQJ :DOOV ‡ )ODJVWRQH IRU ZDONZD\V SDWLRV Store Hours Monday-Friday 7:00am-4:30pm

Saturday

9:00am-12:00pm (Note: Closed Sept. 3rd & 5th)

6

MMBA Fall Lakes Area Home Tour

Brainerd

7419 Forthun Road, 56425 218-829-1929 Fax 218-829-0802 1-800-201-1929 www.BrockWhite.com

2.

4205 Seagull Lane • Nisswa

Directions: From Baxter: Drive 9 miles North on Hwy. 371, and take a left on Mission Road.The home is 0.6 miles down Mission Road on the right-hand side.

From Nisswa: Drive 4.3 miles South on Hwy. 371 and take a right on Mission Road.The home is 0.6 miles down Mission Road on the right-hand side.

This gold coast Gull Lake home is designed and built with a perfect balance of Coastal Cottage and Northwoods Elegance. See firsthand the old-world craftsmanship on full display throughout each of this lake home’s 7,500 square feet, including the perfectly round lakeside porch and the outdoor living room custom designed for relaxation. Home is not for sale.

Northway Construction Services Ed Northway 13850 Bluestem Court, Suite 150, Baxter, MN 56425 Cell: 218-831-4724 • Office: 218-824-2040 • Fax: 218-824-2041 edn@northwayconstruction.com www.northwayconstruction.com License# 20630593

Special thanks to our MMBA Subcontractors API Garage Door Store Brainerd Glass Company Brainerd Waterproofing, LLC Brock White Company Culligan Water Conditioning

Electric Etc., Inc. Expert Insulation of Brainerd, Inc. Floor to Ceiling Kevin’s Plumbing & Heating, LLC Major Drilling Environmental, LLC

Nordecor Natural Woods People’s Security Company Sound Communications, Inc. Thelen Heating and Roofing, Inc. MMBA Fall Lakes Area Home Tour

7

Americans Still See Homeownership as a Top Priority Americans still consider owning a home essential to the American Dream, and Washington policymakers would be wise to keep this in mind in the coming election season.

Proof of this statement is evident in a May 2011 poll conducted on behalf of the National Association of Home Builders by Public Opinion Strategies of Alexandria,Va., and Lake Research Partners of Washington, D.C. The national poll reached two thousand likely voters and asked them about their attitudes regarding homeownership and housing policy.The results could not be clearer.

Despite the ups and downs of the housing market—and whether or not they currently own a home—voters overwhelmingly indicated that they place a high value on homeownership as a core achievement in their lives.

Of the poll respondents who are current home owners, nearly all of them—95 percent—said they are happy with their decision to own a home and believe that owning their own home is important.

Almost three-quarters of respondents who do not now own a home said it is a goal of theirs to eventually buy one.

Equally telling, voters rated the importance of homeownership just as highly as the importance of being successful at their job or being able to pay for a family member’s education.

“The bottom line is, even after years of economic turmoil and an unprecedented and prolonged downturn in the housing market, homeownership is still a central goal for most Americans,” said Terry Curtis, MMBA President. “It’s an undeniably deep emotional attachment that can’t be ignored by the politicians who are looking

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MMBA Fall Lakes Area Home Tour

to address budget issues by cutting housing incentives in the tax code such as the mortgage interest deduction.”

Americans also feel strongly about the financial benefits—and challenges—of homeownership.

Poll respondents said they considered owning a home their best investment, more than their retirement savings program or stock market investments. And 75 percent said that owning a home is worth facing the potential ups and downs of the housing market.

Meanwhile, non-owners identified saving enough money for a down payment and closing costs as the number one barrier keeping them from homeownership, more than job uncertainty or concerns that the value of their home may drop below the purchase price.

Yet exceedingly stringent mortgage lending requirements could make that barrier even tougher for the typical American family to overcome in the future. For example, according to estimates by both NAHB and the Center for Responsible Lending, it would take more than 12 years for a typical family to save enough money for a 20 percent downpayment on a median-priced single-family home.

“Lawmakers need to put themselves in the shoes of the average American, and see that excessive downpayment requirements and a reduction in housing tax incentives will keep homeownership out of reach for most first-time home buyers and many middleclass households,” said Curits. “This would be a fatal blow to the American Dream for many, many families.”

To learn more about homeownership and housing policy in Brainerd Lakes Area contact Mid-Minnesota Builders Association – www.midmnba.org.

w w w. p ro b u i l d . c o m

501 West College Drive Brainerd, MN 56401 218-855-8142 800-933-0346

Staples Campus 1830 Airport Road Staples, MN 56479 218-855-8142 800-933-0346

Central Lakes College is an Equal Opportunity Educator/Employer • ADA Accessible

3.

792 Birch Lane • East Gull Lake

Directions: From Baxter: Hwy. 371 North to Gull Dam Road (left) approximately 3 miles to right on Popular.

Approximately 1/2 mile to right on Birch. Go all the way to the end of Birch.

This is the perfect lake home. 4,400 square feet, on a perfect lot with a beautiful beach. Walkout to the lake.This home was built on an Isulated Concrete Form (ICF) Foundation, maintenance free Hardie Board Siding, Marvin Windows, Cambria and Silestone countertops, custom cabinetry by Wood Products Unlimited.There is only one more of these lots available. Home is not for sale.

B-Dirt Construction, LLC Joe Ranweiler 521 Charles Street, Brainerd, MN 56401 Cell: 218-821-5243 joe@b-dirt.com • www.b-dirt.com License# 20328737 MMBA Fall Lakes Area Home Tour

9

New Homes Benefit More Than Just Buyers and Builders The only people who benefit when a house is built are the family members who get to live there, and the builder who constructed and sold the home, right?

Wrong. The positive impact of new residential construction is far-reaching, bringing benefits to families, businesses and services throughout a community immediately, as well as for years to come.

According to economists at the National Association of Home Builders, the one-year estimated local impacts of building 100 single-family homes in a typical metro area include $21.1 million in local income, $2.2 million in taxes and other local government revenue, and 324 local jobs.

But what does that economic impact mean in the real, day-to-day lives of community residents?

Just think about it. When a family moves to a community and buys a new house, they will likely shop at local stores to buy furniture and accessories to decorate the home.They will fill their car’s gas tank at local gas stations so they can get to the stores, have local mechanics work on the car when it breaks down or needs the oil changed, or buy a new car at a local dealer when it’s time to replace the old one.

The family may need to hire local companies for regular services to maintain their home, such as landscaping, house cleaning, pet sitters or pool upkeep.

The children will enroll in local schools. This increases enrollment, meaning more teachers, janitors, cafeteria workers and other school support staff will need to be hired. Those kids will also join sports leagues and other activities, buy equipment

and pay registration fees that provide stipends for referees and coaches.

All of this economic activity puts income into the pockets of local business owners and their families, who can then afford to go out and spend money themselves, which recycles even more money into the community’s economy.

The new family also pays local and state taxes.These tax revenues help pay for a wide range of government services, including school teachers, police departments, refuse collection, parks maintenance and road repairs.

Over the long term, as the families who move into new homes become part of the community, their positive impact continues.

NAHB estimates that those 100 new homes also provide the community with additional, annually-recurring impacts of $3.1 million in local income, $743,000 in taxes and other revenue for local governments, and 53 local jobs.

Families who buy a newly built home enjoy benefits including safety, amenities, energy efficiency and floor plans to fit a modern lifestyle. But the advantages of new homes extend far beyond the buyers and the builders—residential construction has a positive, direct impact on the local community for years.

To learn more about the home-buying process or to find new homes for sale in the Brainerd Lakes Area, visit our website at www.midmnba.org

CUSTOM CABINETRY IN MANY HOMES ALONG THE TOUR

Brainerd • Alexandria • Albany (218) 829-4353 www.WoodProductsOnline.com 10

MMBA Fall Lakes Area Home Tour

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4.

10920 Pillsbury Circle SW • Nisswa

Directions: Hwy. 371 North to left on CR 77. Approximately 10 miles to left on Beauty Lake Road.

Follow Signs.

This home sits on the edge of Pillsbury Forest on 2.5 acres. 3,500 finished square feet with an unfinished bonus room above the garage. Concrete countertops, large screen porch with sunken hot tub, grilling deck, reclaimed hardwood floors, wood fireplace, detached toy garage.This home is in “The Retreat” development and has paved streets, fiber high speed internet, natural gas and beautiful hills and scenery.

There are a few lots left. Home is not for sale.

B-Dirt Construction, LLC Joe Ranweiler 521 Charles Street, Brainerd, MN 56401 Cell: 218-821-5243 joe@b-dirt.com • www.b-dirt.com License# 20328737 MMBA Fall Lakes Area Home Tour

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Selling Tips for Home Buyers There are incredible opportunities to buy a home in today’s market. • Clean, clean, clean. From the minute buyers arrive at your front door, make sure that everything they see is super clean. Put out a Interest rates are near historic lows, prices are more competitive than new welcome mat. Thoroughly clean carpets, floors, baseboards, they’ve been in years, and there is a large selection of homes available curtains, windows, and especially all the surfaces and appliances for sale to choose from. Whether you would like more space to in your bathrooms and kitchens. Repaint the walls if they are accommodate a growing family or less to better suit an empty-nester scuffed or stained. lifestyle, the current buyer’s market makes it an ideal time to make a • Don’t forget odor. The home should both look and smell clean change. and welcoming. Open windows in good weather to encourage But what if you have to sell your current home before you buy a fresh air to circulate. Use scented cleaners or air fresheners. Some new one? While the buyer’s market means when you buy your new sellers even pop a batch of cookies into the oven or simmer spiced house you will be able to get more for your money than a few years cider on the stove if they know a potential buyer is coming. ago, it also means you will have to make sure your existing home is presented in its most attractive light in order to attract bids from • Make sure everything works. Fix everything from the merely cosmetic such as burned-out light bulbs, to things that could raise potential buyers. red flags with buyers such as broken sink disposals and leaky Here are some tips to help you improve your chances of attracting faucets. If you don’t fix it, their home inspector will find it. a buyer: • Start with a realistic price. Thoroughly research what homes • Clutter kills sales. Make sure beds are made, toys are put away, bookshelves are neatly organized, and counters are cleared of comparable to yours have sold for in the past year, as well as what personal items. If your house is too full—and that includes attics the asking price is for the homes that are currently for sale. If you and basements—prospective buyers will have trouble visualizing are working with a Realtor, they can do this for you.A price that’s their furnishings and possessions fitting in the space. Consider too high may keep your home on the market so long that buyers temporarily moving some furniture or boxes to the homes of will assume there are problems. friends or family, rent a storage facility, or even have a yard sale.

• Curb appeal is critical. Some prospective buyers never get out of Prospective buyers can see that buying a house that’s already the car before deciding that a run-down house is not for them.

Keep your lawn neatly mowed and seed bare spots, mulch all the attractive and in good working order will make their lives easier—and garden beds and plant colorful annuals, and paint or touch up could help you get into the home of your dreams that much sooner.

To learn more about homes for sale in Brainerd Lakes Area, contact fences, trim and the house itself, if it needs it. Fix anything sub-par Mid-Minnesota Builders Association at www.midmnba.org. that’s visible from the street.

Loans to build, buy or remodel.

Brainerd Office and Drive-Up ATM 524 SOUTH 6TH STREET

Baxter Office and Drive-Up ATM 14244 DELLWOOD DRIVE

brainerdsavings.com / 218.829.5183 12

MMBA Fall Lakes Area Home Tour

5.

7231 Browns Lane • Brainerd

Directions: From Hwy. 371 and 210 intersection in Baxter go North 3 miles, turn Right onto Johnson Road North, follow .5 miles, turn right onto CR 146 North/Gould Grey Road, turns slightly left and becomes Bernard Rd., follow for .7 miles at intersection turn left onto Browns Lane, follow .3 miles to destination on left.

Over the past few decades, the northern Minnesota lake region has given birth to its own unique design type. And while the term “lake cabin” wears many hats these days, it is most commonly referred to as something along the lines of this spectacular retreat. Featuring large expanses of glass, steep roof lines creating loft spaces, and an abundance of finely finished woods adorning the interior spaces, this classic retreat reflects authentic lake cabin design with the highest standard of workmanship and quality materials.

Home is not for sale.

Dotty Brothers Construction, Inc. John Dotty 4593 Morehouse Drive, Pequot Lakes, MN 56472 Cell: 218-820-4464 • Office: 218-568-6160 john@dottybrothers.com • www.dottybrothers.com License# 20062426 MMBA Fall Lakes Area Home Tour

13

Remodel Smart: Know the Language An educated shopper is a smart shopper. This especially hold true in the world of hiring and working with contractors to make improvements to your home.

As you interview potential contractors, being able to understand the terminology they use can help you avoid miscommunication and ensure a smoother remodeling experience so you and your family can enjoy your new or updated kitchen, bathroom or room addition even sooner.

Here’s a glossary of some of the common terms used by builders and remodelers to help you understand the language of your remodeling project: Allowance: A specific dollar amount allocated by a contractor for specified items in a contract for which the brand, model number, color, size or other details are not yet known.

Bid: A proposal to work for a certain amount of money, based on plans and specifications for the project.

Building Permit: A document issued by a governing authority, such as a city or county building department, granting permission to undertake a construction project.

Call-back: An informal term for a return visit by the contractor to repair or replace items the home owner has found to be unsatisfactory or that require service under the warranty.

Certified Graduate Remodeler (CGR): A professional designation program offered through the National Association of Home Builders (NAHB) Remodelers Council™. To attain the CGR designation, a remodeler must take a specified number of continuing education courses and must comply with a strict code of ethics.

Certified Aging-in-Place Specialist (CAPS): The CAPS designation was developed by the National Association of Home Builders and AARP. CAPS professionals have been taught the strategies and techniques to meet the home modification needs of home owners who want to continue living in their homes safely, independently and comfortably, regardless of age or ability

level. CAPS graduates pledge to uphold a code of ethics and are required to maintain their designation by attending education programs and participating in community service.

Change Order: Written authorization to the contractor to make a change or addition to the work described in the original contract. The change order should reflect any changes in cost.

Cost-plus Contract: A contract between a contractor and home owner based on the accrued cost of labor and materials plus a percentage for profit and overhead — also known as a time-and-materials contract.

Draw: A designated payment that is “drawn” from the total project budget to pay for services completed to date. A draw schedule typically is established in the contract.

Lien Release: A document that voids the legal right of a contractor, subcontractor or supplier to place a lien against your property. A lien release assures you that the remodeler has paid subcontractors and suppliers in full for labor and materials.

Mechanic’s Lien: A lien obtained by an unpaid subcontractor or supplier through the courts. When enforced, real property — such as your home — can be sold to pay the subcontractor or supplier. If a subcontractor or supplier signed a lien release, then this lien cannot be enforced.

Plans and Specifications: Drawings for the project, and a detailed list or description of the known products, materials, quantities and finishes to be used.

Punch List: A list of work items to be completed or corrected by the contractor, typically near or at the end of a project.

Subcontractor: A person or company hired directly by the contractor to perform specialized work at the job site — sometimes referred to as a trade contractor.

To learn more about remodeling your home, including a checklist for selecting and hiring a remodeler and advice on financing and designing your project, visit www.nahb.org/remodel.

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14

MMBA Fall Lakes Area Home Tour

6.

1975 Red Oak Drive • East Gull Lake

Directions: From Pequot Lakes: South on Hwy. 371 to intersection of South CR 77/Pine Beach Road and take a right on CR 77. Follow CR 77 for one mile past Madden’s and take a left on Timber Ridge/Sylvan Lake.

At the “T” take a left on Red Oak Drive and it is the first driveway past Aspen Lane at 1975 Red Oak Drive.

From Brainerd: North on Hwy. 371 to CR 77/Pine Beach Road and take a left onto CR 77. Follow CR 77 for one mile past Madden’s and take a left on Timber Ridge/Sylvan Lake. At the “T” take a left on Red Oak Drive and it is the first driveway past Aspen Lane at 1975 Red Oak Drive.

This beautiful “guest cottage” was inspired by our client’s adjacent main cabin. We at Lands End worked directly with the homeowners to design and create a concept of a guest cottage that worked with the main cabin while being unique at the same time.The use of natural materials includes abundant native fieldstone, large timbered ceilings, detailed twig work, plank flooring, combined with custom cabinetry, a thoughtful use of windows, and an incredible bunk room; all lending to the timeless feel. An upper level balcony offers tremendous views of the lake beyond and a real stone porch fireplace wards off the evening chill. Home is not for sale.

Lands End Development, LLC Matt Balmer 13817 County Road 36, Crosslake, MN 56442 Office: 218-692-5263 matt@landsenddev.com • www.landsenddev.com License# 20454356 MMBA Fall Lakes Area Home Tour

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The STRONGEST homes are on OUR BLOCK It’s Strong • It’s Dry • It’s Flexible

IT’S PROVEN

Business Hwy. 371 South Brainerd

218-829-9674

www.wwthompson.com