Determine How Much Mortgage You Can Afford By Dave Ogle, President Cambridge Board of REALTORS
Dave Ogle
By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget, according to Dave Ogle, President Cambridge Board of Realtors. 1. The general rule of mortgage affordability As a rule of thumb, you can typically afford a home priced two to three times your gross income. If you earn $100,000, you can typically afford a home between $200,000 and $300,000. To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care costs. 2. Factor in your downpayment How much money do you have for a downpayment? The higher your downpayment, the lower your monthly payments will be. If you put down at least 20% of the home’s cost, you may not have to get private mortgage insurance, which costs hundreds each month. That leaves more money for your mortgage payment. The lower your downpayment, the higher the loan amount you’ll need to qualify for and the higher your monthly mortgage payment. 3. Consider your overall debt Lenders generally follow the 28/41 rule. Your monthly mortgage payments covering your home loan principal, interest, taxes, and insurance shouldn’t total more than 28% of your gross annual income. Your overall monthly payments for your mortgage plus all your other bills, like car loans, utilities, and credit cards, shouldn’t exceed 41% of your gross annual income. Here’s how that works. If your gross annual income is $100,000, multiply by 28% and then divide by 12 months to arrive at a monthly mortgage payment of $2,333 or less. Next, check the total of all your monthly bills including your potential mortgage and make sure they don’t top 41%, or $3,416 in our example. 4. Use your rent as a mortgage guide The tax benefits of homeownership generally allow you to afford a mortgage payment–including taxes and insurance–of about one-third more than your current rent payment without changing your lifestyle. So you can multiply your current rent by 1.33 to arrive at a rough estimate of a mortgage payment. Here’s an example. If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership. However, if you’re struggling to keep up with your rent, consider what amount would be comfortable and use that for the calcuation instead. Also consider whether or not you’ll itemize your deductions. If you take the standard deduction, you can’t also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a “what if” tax return, can help you see your tax situation more clearly. Sincerely,
Dave Ogle
10016113
The Daily Jeffersonian - Real Estate Monthly - January 2012
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740-432-7333
scott-ogle.com
DAVE OGLE B ro k e r / R e a l t o r
260-0290
SALT FORK PARK REGION
FREE GAS! AND 5.9 AC.
MINI FARM ON 11 ACRES
DAVE OGLE 260-0290, $99,500
DAVE OGLE 260-0290 $125,000
DAVE OGLE 260-0290 $99,500
scott-ogle Spacious 4 BR 2 BA Home on half ac. wooded lot. Features newer Master Suite, finished den, beautiful hardwood floors and walk-out bsmt. Close to Boat Launch. Just off I-77 Exit #54. 10245 Plainfield Rd., Kimbolton.
NEW ! BELLVIEW G LISTIN
realty, inc.
realty, inc.
Spacious 3,000 sq. ft. Home, 3 BR, 31x39 top floor for add’l. bedrooms, full walkout bsmt., gas heat, and 4 car garage/shop. 63833 Rosedale Rd., Salesville.
AVE. - $41,900
QUALITY HOME
DAVE OGLE 260-0290
DAVE OGLE 260-0290 $157,500
scott-ogle
scott-ogle
realty, inc.
3 BR w/garage, full basement, gas heat, newer t-pane windows, roof + spouting. Immediate Possession. 748 Bellview Ave.
scott-ogle
scott-ogle
realty, inc.
realty, inc.
Brand NEW construction, features 2 BR, vaulted ceiling, gas fireplace, lrg 2 car garage and all appliances furnished,. Close to City Park. Immediate Possession. 1515 Clairmont Ave.
Beautiful 3 BR Ranch on scenic corner lot. Firm Price w/Mineral Rights. Only 2 mi. off SR 660. 60341 Christian Hill Rd.
NEW ! PRICE
CLOSE TO SCHOOL AND YMCA
DAVE OGLE 260-0290, $39,500
scott-ogle realty, inc.
Spacious 4 BR home, features oak woodwork, gas heat, large entry off front porch, back deck, 2 car garage. Immediate Possession. 1305 Blaine Ave.
PARK LIKE SETTING
EASY TO I-77
RIDGEWOOD ACRES
DAVE OGLE 260-0290 $84,900
DAVE OGLE 260-0290
MIKE HILL 255-4112 $129,900
scott-ogle
scott-ogle
realty, inc.
realty, inc.
scott-ogle realty, inc.
Immaculate 3 BR, 2 BA Mfg. Home on near 2 acres. Beautiful gardens and lots of deer, turkey and wildlife. 70155 Hopewell Rd.
Exceptional 3 BR, 2 BA Mfg Home w/den room and 3 car garage on dead-end Whippet Lane. Beautiful yard, several storage bldgs. + security system. 71173 Old 21 Rd. Kimbolton.
NEAR COUNTY FAIRGROUNDS
FENCED 1.371 ACRES
MUST SEE HOME
MIKE HILL 255-4112 $88,900
MIKE HILL 255-4112 $75,900
MIKE HILL 255-4112 $69,900
scott-ogle
scott-ogle
realty, inc.
Lovely 3 BR Home on 5 part. wooded acr. in Old Washington area. Features large kitchen w/lots of cabinet space, sep. dining area, covered porch and 2 car det. garage. 18244 Laughman Rd.
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realty, inc.
Lovely 3 BR, 2 BA Home overlooking scenic valley, new carpet, water heater and kitchen updates. Fenced, landscaped yard and 2 storage bldgs. 68501 Hopewell Rd.
Real Estate Monthly - January 2012 - The Daily Jeffersonian
Beautiful 3 BR, 2 BA Home on corner lot features hardwood floors, lovely kitchen, all season sunroom and bonus family room. Complete w/Appliances. $2,000 update allowance, 5631 Dogwood Lane.
scott-ogle realty, inc.
Lovely 2 story, 3 BR home near park and schools. Large living room w/built-ins, bonus room, kitchen w/ separate dining room, attic could be 4th BR. 718 Oakland Blvd.
10016118
realty, real lty, inc.
1132 Highland Avenue Cambridge, Ohio 43725
DONNA HILL Realtor
255-4034
realty, inc. 740-432-7333 scott-ogle.com
MIKE HILL Realtor
255-4112
COMMERCIAL / INVESTMENT / LAND NEW ! G LISTIN
GREAT INVESTMENT PROPERTY
DAVE OGLE 260-0290, $495,000
scott-ogle realty, inc.
Apt. Bldg with 12 1-BR units, 27 storage units: (6) 5x10, (9) 10x10, (12) 10x20, 1 MH Pad, on 1.23 ACRES. $4,800/mo. Old Byesville Rd. and Register Rd.
NEW ! G LISTIN
BRICK DUPLEX
POINT RESTAURANT
DAVE OGLE 260-0290, 42,500
DAVE OGLE 260-0290, $325,000
scott-ogle
scott-ogle
realty, inc.
realty, inc.
Located on a 45x120 lot w/parking in rear alley. Each 1 BR unit has separate utilities. RENT INCOME $950/mo and downtown location. 413-415 S. 12th St.
Very well known and successful business for over 90 years. Incl. D-5 Liq. License, ALL EQUIPMENT, private office + plenty of parking. On the corner of Highland and Steubenville Ave.
LOOK! 4 BR
LONG BRANCH RESTAURANT
MULTI-PURPOSE BLDG.
MIKE HILL 255-4112, $75,500
DAVE OGLE 260-0290, $199,500
DAVE OGLE 260-0290, $69,500
scott-ogle realty, inc.
Well maintained, spacious, 4 BR home on large lot. Features an updated kitchen with oak cabinets, main floor master bedroom with full bath and main floor laundry. Home also features a 2 car garage, 2 out buildings and covered patio. 1606 Stewart Ave.
scott-ogle
scott-ogle
realty, inc.
realty, inc.
Great location just minutes off I-77. Includes all equipment, D-5 Liquor License, seats 88 and plenty of parking. Owner motivated to sell! Central Ave.
Well cared for 2,650 sq. ft. Bldg., Gas Heat, C/A, Dry Bsmt Sys., kitchen, multi-purpose rooms and off street parking for 30 cars. 813 Madison Ave.
2900 SQ. FT.
HISTORIC DISTRICT
EXCELLENT LOCATION
DAVE OGLE 260-0290, $199,500
DAVE OGLE 260-0290, $69,500
DAVE OGLE 260-0290, $179,500
scott-ogle realty, inc.
Camb. Machine Building on 1.097 acres, 29,309 sq. ft. masonry bldg. sold “AS IS”. Railroad frontage. 128 Steubenville Ave.
PRIVATE & SECURE
scott-ogle
scott-ogle
realty, inc.
realty, inc.
Close to downtown and Courthouse. Spacious 1st fl Office with 6 rooms, 2 BA and UPSTAIRS has 2 apt. potential. Paved parking at front and rear. 813 Steubenville Ave.
LAND FOR SALE
Commercial Bldg and Real Estate Only. Paved parking for 26 cars. Currently rents @ $1,500/mo. Near US 40. 313 Dewey Ave.
WILLS CREEK FRONTAGE
5.9 AC .......Plainfield Rd., Kimbolton ..................$24,500
scott-ogle realty, inc.
Well insulated 1 BR Home on half acre lot features open living area, patio and chain link fence. Attached 2 car garage adds security. Just off I-77. 56425 Dover St., Buffalo.
3.5 AC ........Battle Ridge Rd .................................$28,000 5.3 AC .......Broadhead Rd., Kimbolton ...............$49,500 15 LOTS ......Quail Hollow Rd ...............................$79,500 5 ac ..........Southgate Rd ...............................$1,750,000
DAVE OGLE 260-0290, $24,500
scott-ogle realty, inc.
6+/- acres located on Plainfield Rd. (SR 541) near Birds Run. Includes small garage, well, septic and wooded home site. Great for fishing and hunting. 6176 Plainfield Rd., Kimbolton.
The Daily Jeffersonian - Real Estate Monthly - January 2012
10016119
5 AC ..........CR 36, Pleasant City ........................$25,000 DAVE OGLE 260-0290, $39,500
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Real Estate Monthly - January 2012 - The Daily Jeffersonian
.+29 FRP 5HMRLFH
www.wbgreen.com
YOURPAST,PRESENTANDFUTURE.
626 Wheeling Ave., Cambridge, Ohio 43725
740-439-1329
10015836
Gibson-Turner & Assoc.
123 S. 9th St., Cambridge (740) 439-7653 • 1-800-457-6864 www.century21gibson-turner.com Each office is independently owned and operated
REALTOR OF THE MONTH
December 2011 Lori Czigans
255-0766 REALTOR OF THE YEAR
2011 Amanda Mignano
10016103
740-238-1260
* * * * * * * * *
* * * * * * * * *
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REALTOR OF THE MONTH DECEMBER, 2011 REALTOR OF THE YEAR
2011
RHONDA MARVIN 740-680-4707
10016105
The Daily Jeffersonian - Real Estate Monthly - January 2012
Page 5
Real Estate Monthly - January 2012 - The Daily Jeffersonian 584-8959
260-3883 705-0433
Tree lined street, close to downtown, side by side duplex $49,900 #308694
2 BR on almost 4 ac w/3 car garage & 2 barns. Cumberland. $79,900 #3259554
Duplex, with off street parking & in walking distance of town. $28,900 #307986
37 ac of outdoor space w/3 BR home and rustic cabin for guests. Great for hunting. $129,900 #3271173
255-0598
255-0766
Lori Czigans
3 BR on 6.5 ac w/covered front porch, enclosed back room, outbuildings. $42,500 #3258349
680-0960
238-1260
584-4034
Auctioneer
432-4454
2.2 ac on Glenn Hwy waiting to be developed. Busy location. $199,900 #3252166
3 BR on dead end street w/2 car att garage. Handicapped accessible, corner lot. $76,900 #3283583
Great little ice cream parlor or pizza shop. All equip included. Inside seating, pool table, security system & storage bldg w/more equip all stays. $59,900 #3257040
Cozy 2 BR cabin at Seneca Lake. Garage for water toys & just short walk to dock. $63.500 #3277616
The oil field people are coming so have a place to feed them in year round restaurant. Now only $132,900 #3249930
ED! REDUC
584-0280
Bonnie Czigans Shelly Killiany Amanda Mignano Stephanie Gray Col. Jim Rodgers
Beautiful brick ranch, Salt Fork close, 3 BR, garage. 5 ac, $149,900 or 10 ac for $154,900 #3280100
NEW!
260-4164
Make your dreams a reality! Downtown Byesville storefront $35,000 #3207111
Executive home, 5 BR, oak kitchen, over 8 ac $254,900 #3282340
NEW!
584-7653
ChrisGibson-Turner Gretchen Bennett Janet Brockwell Jane Rawlings Janice L. Kafury C. Sue Whipple
1st fl laundry, master suite, 4-5 BR, 9 ac. $189,900 #3282336
NEW!
Each office is independently owned and operated
123 S. 9th St., Cambridge (740) 439-7653 • 1-800-457-6864 www.century21gibson-turner.com
Gibson-Turner & Assoc.
C-21 • C-21 • C-21 •C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21
10016157
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The Daily Jeffersonian - Real Estate Monthly - January 2012
Country Club Estates, underground utilities, concrete roads, lots starting at just $16,900 & up.
Byesville 3 BR ranch, 2 car garage, lg backyard, new windows. $94,900 #3256337 Retreat for hunting or recreational use. 3 garages, on almost 6 ac. Enjoy both the wildlife & the peacefulness. $45,900 #3229747
Great home w/space galore! 3 – 4 BR, beautiful woodwork & decorative Fpl. Garage $69,900 #3279095
3 BR ranch w/all the work done except for the moving in. Covered deck & updates. $34,900 #3274756
10016158
Corner lot on 10 ac, 2 story garage, 4 BR, 2 BA in Pleasant City $89,900 #3261954
Step in & you are home! 3 BR, updates, low maintenance $79,900 #3234186
4 BR w/over 2000 sq ft. Extra lot to build addition. 1st fl laundry. $34.000 #3261901
Lots of extras to treat yourself right. Lake area, remodeled 4 BR home w/Jacuzzi & greenhouse. $186,000 #3128244
3 BR, 2 BA, 2 fenced acres. Close to school $39,900 #3257390
Large 3 BR, 2 BA home close to downtown. Nice home to own or rent. $34,500 #3211331
Already have your tenants at $431/ mo. This 2 BR small home is off N 9th St in the alley. Makes nice privacy for occupants. $29,900 #3211317
$87,900 3 BR remodeled w/oak kitchen, master BR w/sliders to deck. Big garage w/man cave area. #3230592
Spacious stone ranch. Warm feel w/ wood floors, & homey colors. Part fin bsmt, so much to offer! $124,900 #3222110
4 BR split level in need of love, 2.5 BA, Coventry Estates $89,900 #3260203
Finishing in progress. 3 BR, garage, Lore City #219,900 #3269137
So many assets! 2 porches, hot tub, formal foyer, walk-up attic, 4 BR, 2 BA! $174,900 #3235551
6 unit brick apartment bldg on northside. 4 2 BR, 2 1 BR, well maintained & off street parking. $164,900 #309650
Edge of town, 3 BR, garage, 1st fl laundry, breakfast bar $119,900 #3268181
All brick 1 story office bldg in downtown, high traffic location. 6 offices, full unfin. Bsmt has great potential. $279,900 #308871
2 rental properties side by side w/2 BR ea. Off street parking, separate utilities. 1 for $74,900 or both for $139,900 #3243412
Fenced yard, huge master suite, 2 car garage, ranch home close to amenities. $89,900 #3261673
Great potential! Excellent traffic flow! Paved parking lot! 1 ac lot! Billboard! Restaurant lay-out. $595.500 #309767
Close to all the activities but quiet location, beautiful woodwork & built in’s in previous office location. $54,900 #3257156
Well maintained home w/wide open floor plan, custom kitchen, hot tub room, full fin bsmt all on 5.8 ac. Pleasant City $214,900 #3268906
C-21 • C-21 • C-21 •C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21
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EQUAL HOUSING
OPPORTUNITY
Gibson-Turner & Assoc. www.century21gibson-turner.com 123 9th St., Cambridge
Each office is independently owned and operated Gibson-Turner G ib b(740) 439-7653 T & Assoc. A • 1-800-457-6864 www.century21gibson-turner.com Each office is independently owned and operated.
EO NEW R G! IN T IS L
Chris Gibson-Turner 584-7653
Janet Brockwell 439-1499
Karen DiGenova 584-3056
NEW G! LISTIN
Shelly Killiany 680-0960
Jane Rawlings 705-0433
NEW G! LISTIN
LOCATED IN NORTHGATE
SELLER IS MOTIVATED!
2003 SINGLE WIDE TRAILER
this 3 Bedroom 2 Bath home has Family and Living Room. Triple Wide on 3 Acres. Needs TLC. Selling as is. $29,900 #3283433
One floor living. 3 Bedroom, 2 Bath home with open area concept. Living and Family room, Dining and Laundry Room. There are many new improvements. Newer carpet in living room, laminate, subflooring, new master bath, screened in back porch with newer roof, and more. $59,000! #3283775
with vinyl siding, windows, and deck. 2 Bedroom 1.5 Bath with large full bath. All appliances stay.Home is insulated and has newer furnace motor and has CA. Owner is motivated. #3284867
AND NEW L G! IN LIST
3.73 ACRES $14,900!
47 ACRE FARM
MODERNIZED HOME ON 1 ACRE!
2 Barns and storage trailor and fenced in area. Priced to sell! #3280279
3 Bedroom, 1.5 Bath Ranch located in a beautiful setting on 47 acres. Finished walkout basement features additional kitchen with laundry area, 4th bedroom, half bath & family room with fireplace. Fenced in pasture, barn with electric & 2 car detached garage. Back up generator system. Home is heated with free gas & has newer gas hot water heater, gas furnace, & CA. #3279051
Just move in to this 2 Bedroom, 2 Bath home with a 2 car detached garage on 1 acre. Appliances stay. 2006-07 updates include Drywall, Furnace, CA, Flooring, Septic, Vinyl Siding, Roof, Windows, Doors, Deck, and more. #3277636
2 BEDROOM RANCH ON 3.4 ACRES! With its private location, this 2 Bedroom Ranch home rests on 3.4 acres. Walking distance to Seneca Lake. Home comes mostly furnished with furniture and appliances. There are 2 sources of heating. Home has newer roof, gutters, exterior paint, 50 gallon water heater, refrigerator, carpet, and more. #3213970
RAISED RANCH ON TEN ACRES! 2 Bedroom home on 10 acres! New siding, windows, and deck. Newer oil furnace w/central air. Area good for hunting, fishing & trapping. $59,900! #3279350
BANK OWNED! 3 Bedroom 2 bath home with family and living room. All on one floor. 3 CAR detached garage with furnace, water, electric, and full bath. Fenced in back yard! $51,900 #3238388
NORTH 8TH STREET 3 Bedroom home. Living room with fireplace, formal dining room, and large entry foyer. One car attached garage. #3189799
MAKE AN OFFER! Located on N. 10th Street this 4 BR 2 Bath home is in need of TLC but is priced to sell at $22,500. Seller is motivated and wants an offer. #3268548
CITY LOT WITH UTILITIES Nice city lot with 2 car garage on property. All utilities present from previous home on property. Seller wants offers! #3239761
10016120
C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21
2011’s Realtor of the Year! Amanda Mignano 740-238-1260
123 S. 9th St., Cambridge (740) 439-7653 • 1-800-457-6864
KIMBOLTON ACREAGE
NORWICH LAND
Price reduced $7,000! 17 Acres of wooded property perfect for hunting wildlife or building a dream home. Road frontage on Early and Union Hill Road. Newly surveyed. #3276013
5 acres $12,500! Country setting with some woods but mostly cleared land. Perfect lot for building a new home or for recreation. East Muskingum School District. #3276016
C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21 • C-21
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Real Estate Monthly - January 2012 - The Daily Jeffersonian
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10016121
The Daily Jeffersonian - Real Estate Monthly - January 2012
Page 9
Zanesville Auctioneer Completes Industry’s Premiere Training Program Jeff Koehler recently completed the three-year program at Certified Auctioneers Institute. Auctioneer, Jeff Koehler of Lepi & Associates recently completed his training at the prestigious Certified Auctioneers Institute (CAl). The CAl program is the industry's premier training program developed by the National Auctioneers Association (NAA) for auction professionals. Taking three years to complete, the CAl designation is the industry's most respected professional designation an auctioneer can achieve. CAl is an intensive, executive development program offering professional auctioneers with instruction and coursework in business management, ethics, finance, communication, strategic planning, and marketing. Conducted every year in March at the University of Indiana, CAl candidates join auctioneers from across the world to be to be taught by the nations most distinguished and respected leaders in the auction industry. Jeff Koehler offers a Full Service Auction Company and specializes in Real Estate Auctions including Land & Farm and residential. Koehler has been in the auction industry for approximately twenty years and has the experience needed for successful auctions with his product knowledge and marketing skills. Antiques and Art Pottery auctions has been a vital point of Koehler for many years and has sold fantastic collections from across the Untied States & claim several record-breaking prices at these auctions. Koehler also offers Professional Downsizing Services providing downsizing and senior moving services with care and compassion. Auctioneer Jeff Koehler offers Turnkey Estate Settlement networking with Estate Professionals for many years. Koehler is a member of the Ohio Auctioneer's Association and the National Auctioneer's Association and carries the Certified Auction Institute (CAl) and Accredited Auctioneer of Real Estate (AARE) designations. Jeff resides in Muskingum County. To learn more about Jeff, please contact 740-819-8441 or visit www.LepiReaIEstate.com 10016792
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Real Estate Monthly - January 2012 - The Daily Jeffersonian
McCollister & Assoc., REALTORS®
THE “SIGN” O OF SUCCESS Susan Rea McCollister 740-252-1602
Visit us online at www.mccollister.us to review all of our listings.
112 THOMPSON AVE., NEW CONCORD $124,900 - Located in New Concord, two story home close to Muskingum University with 4 bedrooms, 2 baths, formal dining room, eat-in fully applianced kitchen, includes washer and dryer, natural woodwork throughout and 2 car attached garage. East Muskingum Schools. Call Susan Rae McCollister at 740-252-1602. 10016324
Lori Durant, Broker
REAL ESTATE
28 E. Main St., New Concord • 866-310-0964 • 826-7557 1620 E. Wheeling Ave., Cambridge 439-1111
www.carolgoffrealestate.com Call For Our Marketing Strategy On Your Property! 903 Steubenville Ave.
740-439-6666
REALTOR OF THE MONTH DECEMBER, 2011
REALTOR OF THE MONTH
DECEMBER 2011
REALTOR OF THE YEAR, 2011
MARCY FREDERICK
(740) 584-7331
10016107
THERESA WHITE 255-0492
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1620 E. Wheeling Ave., Cambridge 439-1111 1108 Maple Ave., Zanesville 454-6777 28 E. Main, New Concord 826-7557
REAL ESTATE
Lori Durant Durant, Broker
431 Center St., Dennison 229-7231
“We Always Have Time For You”
2465 Panther Dr. NE, Suite B New Lexington 343-4161
CAMBRIDGE / NEW CONCORD OFFICE
Peggy Parry Broker, 680-2060
Karen DiGenova 584-3056
Carl Birney Auctioneer 630-7181
Raymond Buckey 685-5594
JoAnn Mason 432-2228
Mark Richards 584-3373
Kim Wilson 680-2040
Don Warden 260-8253
Dave Parry 584-8553
Shanna Wayble 432-8426
Greg Parry 680-4734
Judy Woodard 680-0931
Theresa White 255-0492
Martha Seresun 685-8000
Betty June Wolfe 685-2911
Bob Wheatley 584-9892
Derek Hannahs 584-3373
ZANESVILLE OFFICE
Sue Crews 819-5829
Marty & Jeff Prindle 319-0582 • 221-0039
Ric Dodson 819-3088
Lori Durant Broker, 704-5511
Don Thompson Broker, 319-9999
Carol Goff 819-2301
Chris Jarvis 704-6305
Lorie Kemp 624-4411
Christina Ethell 296-7580
Ron Thompson 683-7089
Coleen Tiffner 680-0681
Sis Todd Broker, 454-8468
Kathy Warne 297-1803
Stacie West 408-7533
Dixie Zigo 607-4857
Shannon Adams 819-1641
DENNISON OFFICE
Randy Seiber 330-401-2180 Page 12
Rick Keffer, Auctioneer 330-339-3536
Pam Harmon 330-340-6217
Real Estate Monthly - January 2012 - The Daily Jeffersonian
J. Eric Levengood 330-309-0150
NEW LEXINGTON
Sue Smith 330-447-4118
Wes Galbraith 330-243-2833
Dan Behtel 607-6154
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Lori Durant, Durant Broker
REAL ESTATE
“We Always Have Time For You”
1620 E. Wheeling Ave., Cambridge 439-1111 28 E. Main, New Concord 826-7557 1108 Maple Ave., Zanesville 454-6777 431 Center St., Dennison 229-7231 2645 Panther Dr. NE Suite B New Lexington 343-4161
703 N. 7th St. Cambridge
The GROSS MANSION, located at 703 N. 7th St is an amazing display of design and craftsmanship. This historical home, located near the City park was built in 1921, and has approx 12,000 sq ft of living space. Fenced 1+ acre, stucco, stone and brick exterior. The large rooms include a library, formal dining room, living room, family room, breakfast room, butler’s pantry and 4 spacious bedrooms. Beautiful fireplaces and detailed tile work. Longing to return to its Grand & Elegant stature, this home awaits. Call Carol for more details or to tour this magnificent home. 819-2301
Realtor Of The Year
KAREN DiGENOVA
740-584-3056
Congratulations Karen DiGenova for her outstanding performance in 2011. Karen has over 20 years experience, a real grasp of the real estate market and is dedicated to each of her clients. "Karen is a real asset to our company. She works hard to see that each of her clients understand the process of buying/selling a property and that it is done right.” Karen has been a million dollar producer for many years and has been recognized by the OAR for her efforts. Karen resides in Cambridge, is the mother of 3, and has 4 grandchildren.
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Lori Durant Durant, Broker
REAL ESTATE
“We Always Have Time For You” NEW LISTING!
1620 E. Wheeling Ave., Cambridge 439-1111 28 E. Main, New Concord 826-7557 1108 Maple Ave., Zanesville 454-6777 431 Center St., Dennison 229-7231 2645 Panther Dr. NE Suite B New Lexington 343-4161
NEW IS L TING!
59285 FRITTER RD.
3 BR ranch home in rural setting with nice views! 2-car garage, covered porch, brick wood burning fpl. in living room, spacious kitchen w/dining area, pantry and sliders to rear deck. Nice large bath, full bsmt. w/bath. $123,500.
30 N. SUNDALE This 2-story farmhouse, built in 1901, is immaculate! Darling 2 bedrooms, wrap around porch, beautiful woodwork, country setting & public water. $99,900.
1002 BEATTY
4 BR, 2 bath, this huge home was once a 2-family home. With over 2500 sq. ft. living space, this home has plenty of room! Formal Dining Room, family room and nice porch. $29,900.
370 SPRING VALLEY
This 4 BR, 3 full bath home is gorgeous w/vaulted ceilings, oak kit., office and fabulous fin. bsmt. w/game room, family rm., bar and bath. Nice quality features! $279,900.
61419 SUMMIT
Morgan Manor subdivision is where you will find this 3 BR split foyer w/dining room, beautiful tile flooring, family rm. in bsmt., 2-car garage and nice yard. Immediate possession. $155,700.
62826 BARBARA AVE.
Convenient 1 story home has large eat-in kitchen, side deck, newer windows and roof. This 2 BR home has paved drive, storage building and is neat and clean, move in ready! $59,900.
62415 ROSE HILL
9+ country acres w/lots of road frontage, this 3 BR home has newer drywall, roof, siding & bath. Large storage shed included. Some woods, lots of potential! $54,900.
19934 CADIZ RD.
1 car garage, 2 bedrooms, sunroom and laundry room. Nice hardwood flooring and full basement included with this 1 story home. Deck, central air and public water. $55,900.
106 E. MAIN
Hardwood flooring, many updates including windows, furnace, roof, electric and much more. 4 BR, nice covered patio in back, detached 2-car gar. and large covered front porch. A must see home! $123,500.
593 BRANCH RD.
Nice laying 1.7 acres, only min. to I-70, this 3 BR home has 1st fl. laundry and 1st fl. master suite. Basement has rec area. Storage bldg. stays. $137,500.
Visit us at www.carolgoffrealestate.com Page14
Real Estate Monthly - January 2012 - The Daily Jeffersonian
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Lori Durant, Durant Broker
REAL ESTATE
“We Always Have Time For You”
1620 E. Wheeling Ave., Cambridge 439-1111 28 E. Main, New Concord 826-7557 1108 Maple Ave., Zanesville 454-6777 431 Center St., Dennison 229-7231 2645 Panther Dr. NE Suite B New Lexington 343-4161
NEW LISTING!
205 COBBLEPOND
Open floor plan, fireplaces in formal living rm. and family rm., master suite on main floor w/ Jacuzzi, 3 BR, 3½ BA, lovely patio w/wooded view, nice landscaping and almost 1 acre. $364,900.
225 SENECA 3 bedroom home has 2-car att. garage with bonus room above complete with carpeting and drywall. Public utilities, central air and partial bsmt. $33,000.
16853 BRONZE HGTS.
Exceptionally nice home! 3 BR, 3 full BA, large living rm. has beautiful fpl., enclosed sunroom, dining area off kit. has lots of built-ins and cabinets. Newer siding, windows & roof. $136,900.
1522 SCOTT
3 BR, 2 full bath home has lg. kit., nice flooring, family rm. and additional bedroom in partially finished bsmt., convenient location. $84,900.
158 HARPER
4 BR remodeled home is move in ready! Hardwood floors, fresh paint, updated elec., windows, roof, and more! Off street parking, close to college, park and more! $113,900.
4896 HIGH HILL
5 acres, beautiful setting, so many amenities! Horse barn, stalls, hay loft, riding arena, pasture and this gorgeous renovated farmhouse. Newer appl., fpl., hardwood flooring, lg. LR, original French doors & trim. 1st fl. BR would make great office. 4 BR, 2 full BA, great home!! $197,000.
415 SPRING VALLEY
12281 SALTZBURG RD.
Beautiful 3 BR home features 1st fl. fam. rm. w/fpl., eat-in kit., dining rm., and solid oak trim and doors throughout. Full bsmt., 2-car gar., covered patio and almost 1 acre. $184,900.
Level lot, convenient to I-77 or Seneca Lake, this home has 3 BR, 1 bath, covered porch and nice garage. $39,500.
22622 CALDWELL RD.
1014 GOMBER
Located on 12 acres, this 3 BR home has oak kit., family rm., dining room, full bsmt. and 2 garages. New roof, water heater, central air & more! Amazing views! $220,000.
Spacious home has 4 bedrooms, 1½ baths, 1-car det. garage and fenced back yard. Convenient in town location. $49,900.
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t
Lori Durant, Durant Broker
REAL ESTATE
“We Always Have Time For You”
5730 PINE VALLEY
Great curb appeal! This 4 BR home is on almost 2 acre lot, fpl. in living rm., built-in window seats, family rm., formal DR, crown moldings, full walkout bsmt., and vinyl decking. $227,900.
1107 STEWART
Spacious 2-story home has 3 BR, 1½ baths, gas heat, and 1 car detached garage. Fenced front yard great for pets. $39,900.
200 ZANESVILLE
Raised ranch home, only min. to Seneca Lake, large eatin kit., office, 4 BR, 2 full BA, lg. front porch and rear deck & patio. 14x20 workshop has additional storage above. 4 parcels included. $92,500.
6155 BRANCH FLAT Acre farm has 3 BR, 2½ BA beautiful home w/oak kit. & woodwork, French doors, full walkout bsmt. and 6-panel doors. Land has creek, woods, pond, barn and fencing. $284,700.
12340 McKINLEY
Large yard & shade trees compliment this 3 BR, 3 full BA home w/oak kit., 2-car gar. and covered deck. 6 acres, just W. of New Concord. Very nice home! $189,900.
1620 E. Wheeling Ave., Cambridge 439-1111 28 E. Main, New Concord 826-7557 1108 Maple Ave., Zanesville 454-6777 431 Center St., Dennison 229-7231 2645 Panther Dr. NE Suite B New Lexington 343-4161
59966 WEST RD. This 3 BR home just outside of town has fpl. in living room, large bath, full finished bsmt. w/family room and woodburner, rec room, wet bar and lots of storage space! 2-car attached garage + storage bldg. $149,900.
910 BELFORD
10270 PIONEER Move in ready! This darling home in rural setting has 2 bedroom, and many updates including wiring, plumbing, kit., bath, flooring and furnace. 2nd home on property could be used as rental or storage. $47,900.
255 COBBLEPOND Maple cabinets, stainless appl., and Corian counters in this kitchen that would impress the finest chefs! 5 BR home has 2 master suites, vaulted ceilings, cherry flooring, 3 fpl., full fin. lower walkout. Fabulous!! $449,000.
143 S. 12th
Cute bungalow, convenient to I-77 or downtown. 3 BR home has central air, gas heat and 2-car garage. $49,900.
2 BR ranch home is ideal for investment property or starter home. 2 city parcels, full bsmt. and convenient to downtown. $24,900.
Visit us at www.carolgoffrealestate.com Page 16
Real Estate Monthly - January 2012 - The Daily Jeffersonian
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I Can Help Lead You Home!
REAL ESTATE
www.carolgoffrealestate.com “We Always Have Time For You”
Theresa White 740-255-0492
twhiterealtor@hotmail.com
Lori Durant 740-704-5511
lori.realestate@yahoo.com
REAL ESTATE www.carolgoffrealestate.com
LoriDurant, Durant, Broker Durant Lori Broker
“We Always Have Time For You”
2012 SPECIAL!!
START 2012 OUT RIGHT ...
LOOKING FOR A 2012 PROJECT?
THIS HOME COULD BE YOUR 2012 TAX BREAK
63036 JACKSON RUN, CAMBRIDGE
755 MAPLE BROOK, NEW CONCORD
137 FOX AVE., ZANESVILLE
629 CALDWELL ST., ZANESVILLE
4.1 acre mini-farm w/electric fence, horse stall & pond. Home has 3 bdrm./2 BA plus computer room, Immaculate! Updated faucets, carpet, paint, exterior lights, countertops in kit., 2’ plantation blinds throughout, garage door opener & more. Huge kitchen w/ample cabinet space, center island & separate formal dining rm. Nice large screened porch. Gorgeous pond in the front yard complete w/paddle boat! 3 car garage has 5 rooms in it: 1. carpeted office, 2. tool rm., 3. tact rm., 4. shelved storage rm., 5. huge walkin closet with rods for 4-H. Priced to sell!! Call Lori, 704-5511.
On 3.12 acres in JGSD INCLUDES MINERAL RIGHTS!! Lots of updates including new roof last year. Almost new vinyl siding & vinyl windows. Large front porch. Rear deck to enjoy the peace & quiet of the country setting. Creek runs behind house! Just beautiful!! Large kitchen w/ separate dining area. All appliances stay, even washer & dryer. 2 car attached & 2 car detached garages w/concrete floor. Seller is motivated. Realtor related to seller. IMMEDIATE POSSESSION! Lori, 704-5511.
Bank owned property. Immediate possession upon closing. All brick 2 story home with new roof on house. Large spacious rooms throughout. High ceilings. Some crown moldings on first floor. Kitchen remodel has begun, needs finished, has slate tile flooring. Gorgeous fireplace with slate surround. Double stairway to the second floor. Mostly wood floors throughout, needs refinished. Over 2000 sq. ft. Would make great project or rental. Bank offers lots of special financing packages. Call Lori to discuss details, 704-5511.
How about white vinyl siding & white vinyl windows. New neutral carpet throughout. Immediate possession & move in ready. Lots of updates in the past few years to this 3 bdrm. home. Brand new darling bathroom w/tub/shower, dark, modern cabinets complimented by satin nickel fixtures. Applianced kitchen. Convenient washer/dryer hookup. Book shelves in the family room. New furnace in 2000. New kitchen countertops in 2008. New sump pump & plumbing in 2008. New exterior doors in 2009. Call Lori, 704-5511 10016359
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Real Estate Monthly - January 2012 - The Daily Jeffersonian
DIVISION of Commercial Land.
CAMBRIDGE I-70 I-77 BYESVILLE
Office Location
I-77 EXIT 37, BUFFALO OHIO. 7.3 acres, Great interstate visibility, Tons of road frontage, All utilities... Sewer on the way! $750,000 Chuck Yonker
GOLF COURSE
SENECA LAKE
SR 313, SENECA LAKE. 45 Acres! Magnificent land at the entrance to the Seneca Lake area & borders golf coarse. Also includes a large building & has county water. Excellent development property. Call Chuck Yonker
5HLG +LQHV :HOFRPHV 1HZ $JHQWV WR 2XU 7HDP 6WDF\ 3RQWLRXV Stacy is one of our newest Realtor's and the wife of our very successful Nick Pontious. Stacy is a life long resident of Guernsey County, a graduate of Meadowbrook High School and holds a degree in nursing from Belmont College. She has worked in the nursing field for over 7 years. Stacy enjoys spending time with her family and helping others. She says that's what she likes the best about Real Estate. With her husband Nick they plan to work as a team to better serve their clients and customers. Stacy can be reached at (740)241-0575
.D\ 1LFROR]DNHV I-70 EXIT 186, OLD WASHINGTON OHIO. Now up to 220 acres. Can be sold separately. Adjacent to I-70 at the exit and across from fueling station. County water, electric and gas available. 50,000 gallon/ day sewer plant on site. 120'X220' building w/overhead doors tons of road frontage. 9 lots priced separatly starting at $20,000/acre. Rusty Hines or John Reid
Kay is a long time friend of Reid & Hines and the Real Estate Community. She has been a Realtor for over 20 years and was most recently the Owner and Broker of Courthouse Square Real Estate in Cambridge. Kay has served the Real Estate community as Director and President of the Cambridge Area Board of Realtors. We at Reid & Hines are thrilled to ad Kay's experience and expertise to our team of professionals. Kay makes her home in Cambridge and enjoys spending time with her family. She can be reached at (740) 543-5003 10016125
The Daily Jeffersonian - Real Estate Monthly - January 2012
Page 21
RHONDA MARVIN 740-680-4707
432-7777
1-866-432-2525 8961 Whitaker Rd. Cambridge Ohio
BUSINESS OPPORTUNITIES
PERFECT COMMERCIAL LOCATION AVAILABLE TO LEASE
DOWNTOWN CAMBRIDGE
This 7000 sqft building offers visibility from I-77, a large open floor plan, office space, 4 restrooms, paved parking area, rear garage for deliveries, sprinkler system and security system. Call for more details.
This commercial building offers 7,200 sq ft of potential, 2 store fronts, 2-2BR apartments, newer roof, 3 electric services, 2 walk out basements and off street parking. $79,000 #3269933
COMMERCIAL LAND 2+ Ac prime level land located on SR 40 West of Cambridge near I-70 Exit 176 . All utilities including sewer. Phase 1 Environmental Completed. Perfect for Restaurants, office space etc. $275,000 #3269904
INTERSTATE VISIBILITY
Prime location along I-70 with access from Georgetown Rd only 1/2 mile from the exit at SR209 (Southgate Parkway). Owner offering for lease a large level partly fenced lot equipped with security lighting along with indoor space consisting of 2 offices, a kitchenette and a bathroom. Don't let this one get away!
INVEST NOW FOR YOUR FUTURE Multi purpose facility lets you diversify your investment. 16 (8'X10') storage units, 1 apartment (rents for $550/month), 2 BR home (rents for $450/month) & a large office/show room with space to expand. Public utilities, security lighting, paved parking area. Located on a corner lot in a high traffic area of Cambridge. Start your own business & let the rent make your payment. $300,000 #3260427
50 ACRES... I-77 EXIT 47 (CADIZ RD) 50 Prime acres commercial land with excellent visibility from I-77 and easy access from SR22 (Cadiz Rd) which dissects the heart of the Utica oil shale play. This property has supreme development potential. Rhonda or Rusty #3264152,3267466 10016126
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Real Estate Monthly - January 2012 - The Daily Jeffersonian
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Monica Fry Broker/Owner 680-0093
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Dave Milligan 584-9052
Each office independently owned and operated.
www.realestatepartners.org 927 Wheeling Ave., Suite 206, Cambridge, OH 43725
Office: 740-435-0003 Toll Free: 877-435-0003
A LOVELY LAYOUT Can be found in this 1256 sq. ft. home in Edgeworth Addition. Features include 3BR, 2BA, living room with carpeting, dining room, spacious media room with surround sound, entertainment center, partially-finished basement, kitchen with appliances included, work island/bar for added workspace, home office for starting a business. $149,900. Barbara Bates @ 740-584-3551. #3237613.
Philip Carpenter 260-4128
Shawn Marlatt 584-3713
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THE ONE FOR YOU Find your perfect fit in this well-maintained 3BR., 2BA. home. Great features include a large family room, living room, dining room, laundry room, kitchen with laminate floors, appliances included finished, walk-out basement. $119,900. Barbara Bates @ 740-584-3551. # 3254480
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PRICED TO SELL! Check out the affordability of this 3BR., 1BA.home on .58 acre. Great features include a dining room, living room with fireplace for ambiance, roomy kitchen, sun room. Needs some work, but has great potential. Priced to sell @ $27,000. Barbara Bates @ 740-584-3551 # 3250771
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CAMBRIDGE CITY SCHOOLS Home features 3 bedrooms, 1.5 bath, beautiful oak kitchen and has an open floor plan. This home has been meticulously maintained and is in “move in” condition. Many, many updates! Includes a one year HSA Home Warranty! $69,900. Shirley Casey @ 740-584-7090. #3258275.
COUNTRY LIVING Not far from I-77 is this charming country home in Noble LSD. This home has had many updates due to a previous fire. Home offers 3BR, 1.5 BA, 1st floor laundry, a very spacious living room plus much more. There is an attached garage and an half acre level lot. $54,900. Shirley Casey @ 740-584-7090. #3281673.
HOME & ACREAGE Here is a darling little 3 bedroom home with 7.9 acres. This home is well cared for and ready for new owners. If you are looking for privacy this might be the home for you. Newer furnace with C/A, newer submersible well pump and a very nice wrap around deck are just a few of the features of this home. $109,900. Shirley Casey @ 740-584-7090. #3201959.
BEAUTIFUL HOME This lovely 2 story home is very well maintained and ready for new owners. Home features 3BR, 1.5BA, very spacious rooms, full unfinished basement plus much more. Located on the north side of Cambridge and close to doctor offices, shopping, city park and hospital. This home is in mint condition and comes with a HSA Home Warranty. $109,900. Shirley Casey @ 740-584-7090. #3253331.
YOUR FRIENDS WILL BE GREEN WITH ENVY when they visit you at this gorgeous Victorian home. Many updates throughout, front and rear deck along with a back porch overlooking the fenced in green backyard. Perfect area to play and relax the time away. $54,900. Monica Fry @ 740-680-0093. #3160287.
DON’T WAIT TILL SPRING
TWO HOMES FOR THE PRICE OF ONE!! You get a 3 BR, 2 BA home plus a 1BR, 1 BA guest house on 1.9 acres. It has a nice large yard, county water, and a 14 by 40 pole building. New roof, gutters & wood burner were added. Motivated seller! Priced at $99,900. Monica Fry @ 740-680-0093. #3142431.
10016130
BEAUTIFUL WOODWORK New kitchen, new bath, gas fireplace, large backyard, spacious deck….this is the one you’ve been waiting to find! This 3BR home is ready for new owners. Just call for your personal tour!!!! $83,500. Linda Atkinson @ 740-584-4579. #3272471.
when you can have this comfortable home right now for an off season price. Even with its 4 large bedrooms, this house still feels cozy. Nicely done kitchen with new appliances and oak cabinets along with 1st floor laundry makes this $59,900 house a steal! Monica Fry @ 740-680-0093. #3259369.
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Real Estate Monthly - January 2012 - The Daily Jeffersonian
MORE BANG FOR YOUR BUCK!
Are you HUNTING for a very well constructed, 2050+ sq. ft., mfg. home? This all electric home offers 3BR, 2.5 BA, huge kitchen w/ lots of cupboards and a large family room w/gas log fireplace. Large detached garage and storage shed. All this on 1.4+ acre in EMSD- Guernsey Co. for $109,000. Could qualify for low down payment, FHA loan. Monica Fry @ 740-680-0093. #3241579.
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OfďŹ ce: (740) 435-0003 Toll Free: (877) 435-0003
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Check Out All Area Listings at www.monicafry.net
LET THERE BE LIGHT Spacious sun-ďŹ lled rooms, open beam ceilings and skylights merge the indoor/outdoor areas of this 4BR masterpiece together in perfect harmony. A private deck, pool, ďŹ replace, whirlpool tub and over sized 2 car garage should make this number 1 on your must see list. Even the price will delight you at $197,500. Monica Fry 740-680-0093 #3218256.
CANâ&#x20AC;&#x2122;T WAIT FOR RETIREMENT? Get a jump start with this cute and cozy bungalow located at Piedmont Lake & Marina. Spacious living room features a stone ďŹ replace. Enclosed back porch overlooks the charming patio and landscaping. This really is a great buy and for such a low price of $59,900! Monica Fry 740-680-0093. #3229843.
SPACIOUS WATERFRONT RAISED RANCH ON SENECA LAKE
SPECTACULAR RESIDENCE! This home overlooking Seneca Lake features 3BR with sliding glass doors to the deck for views of the lake. Home also has a double sided stone ďŹ replace that separates the dining area and living room. Plenty of room for all your water toys. $319,000. Monica Fry 740-680-0093. #3195008.
VICTORIAN SHOWCASE! Charm and character have been preserved throughout this gorgeous 3BR., 2.5BA home that is tasteful and elegant throughout. Gleaming wood ďŹ&#x201A;oors and gorgeous woodwork. Victorian era style landscaping, quaint brick patio and charming front porch. $106,500. Monica Fry 740-680-0093. #3259327.
QUAD LEVEL HOME Lovingly maintained 4BR., 2BA home with new kitchen, replacement windows and vinyl siding. The family room offers a unique kitchenette/mini bar area tucked away behind closed doors. Gorgeous landscaping. $146,000. Monica Fry 740-680-0093. #3263216.
MUST SEE TO APPRECIATE Gleaming hardwood ďŹ&#x201A;oors and woodwork grace this 4BR, 2.5 Victorian home that has been lovingly maintained and preserved. The butlers pantry connects the formal dining room and kitchen. A 2 level back deck is accessible from the kitchen and bedroom. $189,000. Monica Fry 740-680-0093. #3275028.
UNIQUE HOME! Home has spacious rooms, 4BR, 2.5BA., lots of closet space and 2 home ofďŹ ces. Recreation room features a kitchenette making a perfect place to entertain. In-ground pool. Home sets on 17.8 acres. Partially wooded grounds. $329,000. Monica Fry 740-680-0093. #3271991.
GREAT RETAIL OR OFFICE SPACE Great retail or ofďŹ ce space. Building is divided in 2 separate spaces, each with their own entrance. The utilities have been separated so the other half could be leased or used for another business or ofďŹ ce space or living space. $94,900. Monica Fry 740-680-0093. #3244284.
COMMERCIAL!
11+ ACRES OF PRIME COMMERCIAL ACREAGE You wonâ&#x20AC;&#x2122;t ďŹ nd this much ground at this price anywhere else in this area. If you are looking to bring or expand a business in the Cambridge area, this should be the ďŹ rst place you look. All utilities available. $699,000. Monica Fry @ 740-680-0093. #3132821.
or perfect spot for your get-a-way retreat. These 5 acres offer great wooded privacy in the country while only being minutes from Cambridge. $16,900. Monica Fry @ 740-680-0093. #3277224.
10016131
Home features spectacular water views, 3BR., 3BA., an open ďŹ&#x201A;oor plan with a large stone ďŹ replace. Also has enclosed cedar porch with removable windows that turn it into a screened porch. Outside youâ&#x20AC;&#x2122;ll enjoy sun deck with built in benches and stationary barbecue grill. $299,000. Monica Fry 740-680-0093. #3263087..
A level ½ acre lot in high trafďŹ c area. A great place to build your new business. Near several other businesses. High visibility area. Call today! $169,900. Monica Fry 740-680-0093. #3268242
A GREAT SPOT TO BUILD YOUR DREAM HOME
The Daily Jeffersonian - Real Estate Monthly - January 2012
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Real Estate Partners
REALTOR OF
THE YEAR 2011!
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927 Wheeling Ave. • Suite 206 • Cambridge, Ohio 43725 9
Office: (740) 435-0003 • Toll Free: (877) 435-0003
REALTOR OF THE MONTH
MARLATT Each office independently owned and operated. DECEMBER 2011! SHAWN 584-3713
LOTS OF LOVE Here’s this oversized 3br. 2 full bath 2 Story home with lots of room to roam, there’s an eat in kitchen, formal dining room, 1st fl. Laundry, spacious living and open foyer area. Enjoy the large back deck 1 car garage and huge yard. Get all this for $68,900 MLS #3259178
HEART POUNDING Your heart will be pounding when you enter this completely remodeled 2 story home with 3 br. 1 bath, 1st fl. Laundry, beautiful oak kitchen and spacious dining area. This lovely home has a 1 car garage in basement, level yard and close to city park. Call today to view this great home. Asking only $84,900 MLS #3264433
YOUR LOVE For horses can be enjoyed here in this 3br. 1 bath 1 ½ story home which is situated on 5 gorgeous acres that’s mostly level and cleared and partially fenced with a large barn. This home has an eat in kitchen, formal dining room, large living room and is ready for showings. Asking only $99,900 MLS #3277066
SWEET You will say sweet once you see all you can do with this 3br. 2 bath one story home on 2 acres on a country setting in EMSD. This newer home has a full partially finished basement with wood burner, wall to wall cabinets in this oversized eat in kitchen, 1st fl. Laundry, and private setting. Priced at $107,500 MLS #3264621
RED ROSES Plant red roses in the yard of this 3br. 2 full bath DW on a block foundation and situated on 4 acres with 2 barns and mostly fenced for horses. There’s an eat in kitchen, dining area, open living room and master suite with bath, large covered porch and carport for added parking. Priced to sell $108,900 MLS #3264555
CHOCOLATES And flowers, have your sweetie buy you this home instead and enjoy it every day. Here’s this 3br. 1 ½ bath ranch home with 2 car garage, full partially finished walkout basement with wet bar and it has an eat in kitchen, spacious living room and large corner level lot and close to town and interstate access. Priced at $118,900 MLS #3280396
HUGS & KISSES Is what you can enjoy in this 3br. 2 full bath ranch home with a one car garage, large level lot, paved drive, sunlit living room, dining area off the spacious kitchen and sun room overlooks the private back yard and deck. The basement is partially finished with stone fireplace and much much more in this lovely home. Asking only $119,500 MLS #3262053
BEST FRIENDS Can share this recently remodeled 4br. 2 full bath home that’s situated on a ½ acre corner wooded lot. This well maintained home has family and living rooms, 2 eat in kitchens, spacious layout and much more. Oversized covered back porch overlooks the wooded lot and paved drive, close to schools and is ready for showings. Storage in the basement and shed stays for added storage. Only $126,900 MLS #3271015
DINNER FOR TWO Feel like you can kiss the moon from the balcony of this 3br. 2 full bath home that overlooks Seneca Lake. See the reflection in the water and enjoy the outside this summer from this recently remodeled and well maintained one story home. Boat dock and swimming area comes with this fabulous home. Only $144,900 MLS #3259614
LOVELY NEIGHBORHOOD Situated on a corner level lot is this newer construction 2 story home with 3-4 br. 1 ½ baths, eat in oak kitchen, 1st fl. Laundry, sunlit family and living rooms. Private patio overlooks this well manicured lawn and paved parking is a great feature too. Call today to view this gorgeous home. Asking only $154,500 MLS #3256043
BRAND NEW Turn key to this new construction ranch home with 3br. 2 full baths, master suite with walk in closets, full basement with 2 car garage, cathedral ceilings in the kitchen, dining and great room areas. This lovely home is situated on a 1 acre level lot in Willow Springs Subdivision with county water, septic and underground utilities. Call today to view this fabulous home. $189,900 MLS #3266275
KISS ME GOODNIGHT This master suite in this 4-5 br. 2 ½ bath 2 story home is a must see, with a claw foot tub, walk in closet and much more you can enjoy, or sit by the stone fireplace or enjoy dinner for two on the covered porch with a panoramic view of five acres, This newer construction home has over 3,000 sq. ft and has 2 car garage full walkout basement and priced to sell at $210,000 MLS #3273833
COMMERCIAL BUSINESSES FOR SALE
59960 Southgate Rd. Byesville • Page 26
Real Estate Monthly - January 2012 - The Daily Jeffersonian
56880 Lashley Rd. Senecaville
10016132
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Shawn Marlatt
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EXTREMELY NICE HOME access and thatâ&#x20AC;&#x2122;s close to interstate in a great location features 3 or 4 bedrooms, 3 baths, town. This great home basement with family room and full ďŹ nished walk-out is completely surrounded by large loads of storage. Home overlooks private yard. $164,000. deck and gazebo that 740-584-3713. #3278181. Shawn Marlatt,
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The Daily Jeffersonian - Real Estate Monthly - January 2012
Page 27
FUNDING YOUR NEXT IMPROVEMENT Maintenance is an inevitable part of home ownership. Beyond routine fixes, many homeowners aspire toward larger projects such as room expansion or a new roof or siding. Funding for these projects may require a loan from the bank. A home equity loan or line of credit are common ways to pay for home renovations. A home equity loan can be used for a number of things, including paying education expenses or buying luxury items. Oftentimes, a homeowner chooses to borrow against the equity in the homes to make improvements that will increase the value of the property. A home equity loan is also known as a second mortgage. Homeowners borrow money by leveraging the equity in their homes. Equity is the amount of ownership value a homeowner has in a property. It is calculated by subtracting the unpaid mortgage balance and other debts on the home from the property’s fair market value. It’s important to note that some home values decrease during times of economic downturn. Therefore, homeowners should do their homework prior to starting any improvements to determine if a home equity loan is a good idea. There are two main types of home equity loans: A fixed-rate loan or a home equity line of credit. With a fixed-rate loan, a lump sum is provided to the homeowner, which is then repaid over a set period of time with a fixed interest rate that is agreed upon by the lender and the lendee. The payment and interest rate remain the same for the life of the loan. When homeowners choose a home equity line of credit, or HELOC, it is like they are using a credit card linked to their home’s value. Borrowers are pre-approved for a set amount against which they can borrow. Monthly payments may vary and the interest rate is based on the current interest rate, meaning it can fluctuate. Home equity loans typically offer interest rates that are lower than those linked to credit cards or offered with other types of loans. The interest paid on these loans also may be tax-deductible. Home equity loans are a good choice for responsible homeowners who have the means to repay the loan. They can be a pitfall for borrowers who overspend and need creative financing methods to pay off outstanding debt. Using a home equity loan to make a home improvement should be done carefully. Financial experts say that the loan should only be taken if the renovation will add value to the home. Cosmetic changes and personal additions, such as a swimming pool, may not justify the cost of the loan. Individuals can talk with a personal savings bank, the company that holds their mortgage, a credit union, or another financial institution to determine if a home equity loan is the right choice in this current market. 10016287
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