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Friday, March 19, 2021
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In accordance with the federal Fair Housing Act,we do not accept for publication any real estate listing that indicates any preference, limitation, ordiscrimination based on race, color, religion, sex, disability, family status, or national origin. If you believe a published listing states such a preference, limitation, or discrimination, please notify this publication at fairhousing@lee.net.
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Find your dream home on dailyjournalonline.com/homes Farmington
21013078
33 acres m/l
$584,900
Close to Coffman’s Wine Country - Scenic 33 Acre Farm – Home overlooks a stocked pond with views that are hard to beat! 2 bedrooms on main level & lower level is finished with two sleeping rooms, full bath, family area and a great craft room. Multiple outbuildings including a machine shed/shop with electric and water, a large three sided metal building & a hay barn. One-of-a-kind property and hard to find! For your personal tour call TODAY!
View ALL Listings... coldwellbankerhulsey.com
Kim Hutson 573-760-9789
32 East Liberty Street - Beautiful Downtown Farmington - 573-756-5711
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Daily Journal Weekly Real Estate
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Daily Journal Weekly Real Estate Friday, March 19, 2021 PAGE R4
Technology and the Home Search
Especially as in-person networking events have taken a hit due to the COVID-19 pandemic, technology and social media platforms have become more important than ever before.
They have given us a way to connect with people without being physically with them, and we’re able to learn more about new things through digital content, videos and screen-shares. This includes online groups or forums that help you find specific items or explore certain interests. The real estate industry is one of the sectors that has been transformed by technology. Fancy online videos and virtual tours have replaced the in-person home visit, at least initially. You’re able to get a good idea of what a prospective house has to offer without even making a trip to see it. This, in turn, cuts down on your research time and gives al tour of homes on the maryou more potential homes to ket. add to your initial list for con• 58 percent: checking out sideration. accurate and detailed listing information using technology. WHAT TECHNOLOGY • 53 percent: looking at DO BUYERS PREFER? accurate and detailed neighHere are the tech specs buyborhood information. ers think are most helpful in • 51 percent: checking out today’s home search process, high-quality listing photos. according to a recent survey • 39 percent: participating by Realtor.com. in video chat walk-throughs • 61 percent: taking a virtu-
of homes with their agent or landlord. LOOK FOR A GROUP Joining a real estate social media group can be great way to find emerging properties, identify talented Realtors and learn more about new cities you are considering moving to. Search on your favorite
social media platform for real estate groups in your local area. You may be surprised by how many groups and individuals are involved. If you’re willing to share specific information, including where you’re looking to buy or sell, or if you’re looking for any off-market opportunities, you may find people who can help you.
UPGRADE YOUR PHOTOGRAPHY Consider using drone photography to tell your home’s story. Drone photography is a benefit for buyers who are moving to a new city or buying a vacation home out of town. Ask your Realtor if he offers drone photography services. If not, look for a local drone pilot who specialize in real estate.
CELL OFFICE
e I’ll do th you! for running
1136B N Desloge Dr. - Desloge LAKeFROnT
new
Terre du Lac / $329,900
Full time or weekend lake life, it’s the best. This 3 bedroom, 2 1/2 bath home with attached garage and your own dock is awaiting your arrival! This home has been renovated by the current owners and is move in ready. The upper level has a large living room with adjoining dining and cute kitchen with walk in pantry.
cALL TOdAy
21009670
21012343 Goose Creek / $85,000
Check out this great getaway! This corner lot is the perfect place to relax and spend time, complete with a camper, tiny home, and 30 x 21 garage. Camper is covered and surrounded by a wood deck, and also has electric hook up and recently dug well. The 12x12 tiny home is insulated, has electric and all furniture stays.
Terre Du Lac / $469,900
Gorgeous LAKEFRONT 3 bed, 3 full & 2 half bath home with attached 3 car garage. An open floor plan welcomes you to this beautiful home, a large formal dining area with coffered ceiling, spacious living room with granite fireplace & a beautiful view of the lake makes you feel right at home.
12 +/- AcReS
21007223 Park Hills / $89,900
12 +/- AcReS
20090969
21003801 Park Hills / $129,900
Bismarck / $129,900
Cozy 3 bedroom bungalow in Central R3 school district. The large living room with hardwood floors and wood burning fireplace with insert makes the perfect spot to relax at the end of the day. Enjoy meal preparation in the cute kitchen with lots of counter tops and cabinets. The home has a full basement and detached outbuilding for storage.
Well taken care of property just minutes from Park Hills. This home sits on +/- 12 acres in the West County school district. This home has 3 bedrooms and 2 baths with a covered front porch and rear deck. Outside you will find a park like setting, including a well manicured yard with fencing, abundant wildlife and 3 different outbuildings.
Manufactured home on 12.52 acres more or less. Enjoy country living at it’s best. This 3 bedroom 2 bath home with living room & family room gives additional space to gather with family and friends. Looking for privacy and seclusion, call for a showing today! This home is being sold as is. No government financing.
RIVeRFROnT
cOMMeRIcAL
BUSIneSS OPPORTUnITy
20089574 Bonne Terre / $28,500
River front property in gated Big River Hills. The property currently has a residence that could be cleared to create your own oasis with direct access onto Big River. The possibilities are endless with this piece of land! The area has nice river front properties that line the street and gives a quiet and relaxing experience.
20077976 Park Hills / $250,000
Great commercial property in prime location, 400 amp electric & 1200 amp 3 phase electric services. Approximately 2800 square foot building on a 75 x 150 lot. The building provides 12’ ceilings, 2 bathrooms (1 handicap accessible), office area, washer and dryer hook ups, drinking fountain, new air conditioning units.
20073179 De Soto / $365,000
Don’t miss out on this unique business opportunity! 8+ acres of the property is used as commercial for Bradley Salvage Yard. The business includes the current salvage on the property as well as a fairly new fully stocked garage. The sale will include the salvage license to be transferred to the new owner. The property also includes 1 acre of residential that the home resides on.
Needing to Buy or Sell?! Call Vicky Crocker Realty TODAY, and Let Us Do the Running For YOU!! www.facebook.com/vickycrockerrealty
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21013909
new
#vickycrockerrealty
Daily Journal Weekly Real Estate
573.747.8099 573.327.8300
Daily Journal Weekly Real Estate Friday, March 19, 2021 PAGE R6
The Prequalification Process
When working with your local bank or mortgage broker, the prequalification process is one of the first steps in your journey of becoming a home buyer.
But what does it mean to be prequalified? How can you make sure you’re ready to make the leap from renter to owner? When you prequalify for a home loan, you’re getting an estimate of what you might be able to borrow. This number will be based on information you provide about your finances, as well as a credit check executed by your bank’s third-party partner. Prequalification is also an opportunity to learn about different mortgage options. You can use this time to work closely with your lender to identify the right fit for your needs and goals of home ownership. These needs may differ if you are buying your first home or entering the property investment space, so be sure to have a clear idea of your goals before engaging with your lending partner.
THE PROCESS Preapproval is as close as you can get to confirming your creditworthiness for a new home loan. The first step is generally to complete a mortgage application. From there, your lender and underwriting team will verify the information you provide. If all goes well, and your credit check comes back without major issues, you’ll be pre-approved. If you’re preapproved, you’ll receive a preapproval letter, which is an offer to lend you a specific amount. These letters are generally good for 90 days, but you can ask about specific timelines with your local lender.
and future. But you should be prepared to answer such questions as soon as they come up. One way to make sure you’re ready is to take a hard look at your finances, outstanding loan payments and current income. Once you understand how much you bring in versus how much is going out on a monthly basis, you will be ready to answer questions related to your wherewithal to handle a mortgage payment.
BE PREPARED Lenders look at every detail of your finances when going through their preapproval process. This includes loan payments you are currently making or your current employment situation. Don’t be intimidated by this. They are merely trying to protect their investment in your home
CommerCial SpaCe
Now LeasiNg! 1125 Maple Street - Farmington, MO
Call or Text Bradley McDowell
573-366-8275
Homeowner’s associations can be great for many communities because they ensure a certain standard of living for people.
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On the flipside, some homeowners may find the HOA to be too involved in their daily decision-making and living habits. Before moving into a HOA community, it’s important that you understand its rules and standards, as well as the rights you have as a homeowner. Pay close attention to any restrictions or costs that may not fit your goals. HOW THEY ARE MADE UP HOA members are elected from among the residents to take care of a variety of items. These may include maintaining the grounds, providing master insurance, selecting community utilities and managing overall finances of the community or buildings. The HOA’s bylaws will spell out which responsibilities are the duties of the association, and which are that of the unit owners. Making sure that you understand the difference will be key in helping you find a home with an HOA that fits your budget and needs. THE COSTS It will be important to ask your potential HOA about any costs that come with living in the community.
Daily Journal Weekly Real Estate
What Is an HOA?
Most HOAs will require all unit owners to pay a monthly fee. You may also need to be financially prepared to cover one-time assessments for large community expenses. Work with your local financial planner or accountant to help you build a financial plan for managing these potential HOA costs as you consider whether or not it makes sense to search for this type of community.
WHAT TO CONSIDER To help you find the right HOA for you, consider these tips from the financial support blog WiseBread. • Attend a board meeting. • If the association is professionally managed, meet with the manager. • Check the association’s annual budget and make sure it’s accurate and balanced. • Ask for a copy of the Reserve Study
and take the time to understand it. • Check the curb appeal closely in daylight and in the evening. • Make note of any obvious deferred maintenance. • Ask about the history of special assessments. • Evaluate the transparency of the board and manager. • Read the association’s rules and standards.
18 Court Square - Fredericktown
RAY STATLER 573-783-9921
CARLA SMALLEN 573-561-4175
IVAN STATLER 573-783-1316
TARA HALE 573-783-1848
EMILY BOUSHIE LIz WELCH 573-944-4178 573-440-4258
Friday, March 19, 2021 PAGE R8
Daily Journal Weekly Real Estate
783-8455 • 756-2110
#21002853 #20080787 311 SOUTHWOOD FREDERICKTOWN $114,500
Here is a classic 1920s arts and crafts bungalow home located in a quiet and quaint neighborhood! This beautiful 6 bedroom home retains its historic charm and offers a large living space. Elegant molding with original hardwood floors and doors throughout the main floor, built in credenzas that exudes style and character! Unique to 1920 is larger closets and lots of cabinet space. Main floor laundry is a bonus. Fenced-in backyard for the perfect entertaining space including landscaping wooden fence for privacy. A huge front porch allows for the placing of your favorite patio furnishings to sit and enjoy the weather! The home also offers a 24x24 garage. All within walking distance of downtown Fredericktown. True charm at its finest!
#20064731 714 OAK ST FREDERICKTOWN $224,000
Charming 4 Bedroom 3 bath 2 story home with full basement with covered walk up from basement. This home has all kinds of extras! Large kitchen area with in kitchen dining for a large family with butlers pantry. All doors are Pocket doors. Great room has a beautiful wood burning fireplace. Family room has lots of room for all the family and get togethers. The stair case up stairs i s beautiful with Landing . Full bath upstairs has a claw foot tub and sink to match. This home is a quaint very comfortable family home. Detached 40x 30 Work shop with office area and half bath that is heated. Backyard had a pea gravel play area for the kids with slide and swings. Ready for you to move in. Very charming and well maintained.
#20065205 #20040288 507 N MAIN IRONTON $165,000
Great Commercial Property Location off Hwy 21 in Beautiful Ironton!!! The property also has road frontage to North Main Street. The level commercial lot has city utilities available and is waiting to be developed! This also includes one 180 x 120 residential lot. The sale of this property could serve as a dual purpose to any investor. Ideal for any business or a couple of business offices, retail store, doctors park, apartment complexes or any of the other numerous possibilities for the development of this piece! With the addition of the new Shepard Mountain Bike Trial new opportunities for new businesses will be emerging too! Prefect Commercial Location!
YOUR HOUSE HERE NEXT WEEK!