Publisher: Gambino Realtors
Editor: Kathy Heeren-Ellis
Design: Sarah E. Diamond
It’s still a great time to be a home seller! Area prices are at record highs, and inventory is rock-bottom. There are very few new homes being built, and so buyers are scrambling to buy existing homes like yours.
You may have heard news reports about higher interest rates slowing the market, but at least locally, the market hasn’t slowed due to interest rates. The lack of available home choices is what is slowing the market, but home sellers aren’t really affected. Selling your home this Spring should bring you the most buyers and the highest prices.
Homes that are clean, neutral, and well-maintained attract buyers and result in higher offers. All of these attributes are something you can control! You may not be ready to sell today, so take this time to begin doing the necessary improvement. This will help you be sale-ready without the stress of a time-crunch.
Give us a call and we’ll be glad to consult with you about the simple and frequently free or inexpensive things that you can do to maximize your sales price. We’re always ready to help!
The Gambino Home Guide is a presentation of properties for sale in the Northern Illinois region. Since 1923, Gambino Realtors has navigated buyers and sellers through real estate transactions
Jonathan R. Krause, President Gambino Realtors
"An hour of planning can save you ten hours of doing" - Dale Carnegie
In truth, the headlines don’t give you all the information you really need to understand what’s happening and at what scale.
Home equity has been a hot topic in real estate news lately. And if you’ve been following along, you may have heard there’s a growing number of homeowners with negative equity. But don’t let those headlines scare you.
In truth, the headlines don’t give you all the information you really need to understand what’s happening and at what scale. Let’s break down one of the big equity stories you may be seeing in the news, and what’s actually taking place. That way, you’ll have the context you need to understand the big picture.
Headlines focus on short-term equity numbers and fail to convey the long-term view.
One piece of news circulating focuses on the percentage of homes purchased in 2022 that are currently underwater. The term underwater refers to a scenario where the homeowner owes more on the loan than the house is worth. This was a huge issue when the housing market crashed in 2008, but it’s much less significant today.
Media coverage right now is based loosely on a report from Black Knight, Inc.
The actual report from that source says this:
“Of all homes purchased with a mortgage in 2022, 8% are now at least marginally underwater and nearly 40% have less than 10% equity stakes in their home, . . .”
Let’s unpack that for a moment and provide the bigger picture. The data-bound report from Black Knight is talking specifically about homes purchased in 2022, but media headlines don’t always mention that timeframe or provide the surrounding context about how unusual of a year 2022 was for the housing market. In 2022, home price appreciation soared, and it reached its max around March-April. Since then, the rate of appreciation has been slowing down.
Homeowners who bought their house last year right at the peak or those who paid more than market value in the months that followed are more likely to fall into the category of being marginally underwater. The qualifier marginally is another key piece of the puzzle the media isn’t necessarily including in their coverage.
So, what does that mean for those who purchased a home in 2022? It’s important to remember, owning a home is a long-term investment, not a short-term play. When headlines focus on the short-term view, they’re not necessarily providing the full context.
Typically speaking, the longer you stay in your home, the more equity you gain as you pay down your loan and as home prices appreciate. With recent market conditions, you may not have gained significant equity right away if you owned the home for just a few months. But it’s also true that many homeowners who recently bought their house are unlikely to be looking to sell quite yet.
As with everything, knowing the context is important. If you have questions about real estate headlines or about how much equity you have in your home, let’s connect. Call Gambino Realtors at 815.282.2222.
Be prepared to be wowed by this almost 4,000 square foot gorgeous home on a quiet cul-de-sac in the highly sought-after Belvidere North School District. Neutral paint and white trim create an open, modern feel throughout. The great room with a stone fireplace and soaring ceilings is perfect for relaxation. Enjoy the perks of a first floor office/den plus a formal dining room with hardwood floors and first floor laundry. The huge eat-in kitchen features new granite, backsplash, and high-end stainless appliances. Gracious first floor master with ensuite boasts a jetted tub and walk-in closet. A large, open staircase leads to spacious bedrooms and a bath upstairs. Spectacular partially exposed finished lower level with game/theater room and bath roughin. Arborvitaes surround the large, private, fenced yard.
Cheryl Jacobs
815.494.4956 cjacobs@GoGambino.com
Welcome to the Birkenshaw Subdivision! Wonderful two-story with master suite on the main floor complete with walk-in closet, full bath with two sinks, whirlpool tub and shower. Great room with fireplace and volume ceilings. Three spacious bedrooms up. Open loft for office, den, or playroom. Kitchen with stainless appliances, breakfast bar and slider to maintenance free 23 x 15 deck overlooking the private back yard. Lower level is partially exposed.
$384,999
This super sharp, executive-style ranch with full exposure is situated on 1.20 acres in McDonald Country Knolls. You’ll be impressed as you walk into the open great room and dining room with newer flooring and a cozy wood-burning stove. The gourmet kitchen features stainless steel appliances, granite, breakfast bar, oak cabinets, dining area, and sliders leading out to a large deck overlooking the serene back yard. Stunning family room with cathedral ceilings, skylights, and custom woodwork. The master features an ensuite with double sinks and a walk-in shower. The exposed lower level is fully-equipped with a second kitchen, a family room with a gas fireplace, two bedrooms, a full bath, a utility/storage room with laundry hook-ups, and an attached two car garage. What a perfect arrangement for your guests or an in-law suite. Enjoy low county taxes and easy access to I-90.
815.289.3362
Teresa Shreve
4 BD | 3/1 BA | 3,031 SQ FT
$310,000
Get ready to walk out your back door and start golfing! This completely updated open-concept two-story is a true beauty. Large foyer opens to office with French doors, dining room, and massive great room with soaring ceilings, huge windows, and cozy fireplace. The kitchen is open to the great room and dining room. The kitchen has white cabinets, black stainless steel appliances, granite counters, a center island, pantry, and buffet serving area. Half bath, laundry with closet located off back entry. The main floor master with a large en suite boasts a whirlpool tub, walk-in closet, and dual vanities. Up the open stairway and hallway are three large bedrooms and an oversized full bath with double vanities. The fully exposed walkout basement is waiting to be finished. Brand new furnace and air, newer carpet, paint, toilets, garbage disposal, lighting, front door, sliding door, faucets, and landscaping.
Kathy Heeren-Ellis
815.708.4061
4 BD | 2/1 BA | 2,582 SQ FT
Carol Williams
815.494.7812
cwilliams@GoGambino.com
Kevin Fisher
815.494.9595
kfisher@GoGambino.com
Chrissy Dawson
815.985.5649
cdawson@GoGambino.com
Miguel Lobato
815.494.7905
mlobato@GoGambino.com
Was very friendly and helpful during the buying and selling process which we appreciated, thank you. -
Gene and Dolores D.I recently conducted my third real estate transaction with Kevin Fisher, and he was a true professional throughout every step of the process. His guidance and knowledge were crucial elements to my positive experiences and I highly recommend Kevin and Gambino Realtors to anyone looking for a real estate professional. -
Keri H.
Chrissy was wonderful every step of the way in helping me find my new home. Would recommend to friends and family without hesitation.
- Jennifer B.Excellent service and availability to help me at any time and day of the week very grateful to the entire team.
- Randy Jose Alfredo MG
$279,000
Peace and tranquility are yours with this five-acre gently rolling homestead. Carved out of a 77acre farm, this parcel includes five acres nestled in the woods with a one and a half story home with a detached garage and well house. The location, three miles from Beloit and a little over four miles from Janesville, makes for easy access to all amenities while retaining the charm of a quiet rural life. Call for details on the acreage, which is listed separately but can be included as a package.
815.979.4218
Karl Gasbarra 2 BD | 1 BA | 1,140 SQ FT | 5 AcresEnjoy 100 feet of river frontage with no flood insurance required. Plenty of room with for all of your toys with the six car, 1,500 square foot garage with 11 foot ceiling. This property is an excellent riverfront find.
Plenty of room for your growing family in this Rockton home. Corner lot in quiet neighborhood. Open floor plan. Two sliders going out to the back yard. Gas fireplace. Plumbed for downstairs bath. Heated three car garage.
Lighted deck off atrium overlooking a private, fenced back yard with perennials and walking paths. Many updates including, granite and hardwood in kitchen with updated appliances. Large rec room with walkout.
Multilevel home featuring updated kitchen with eating area and slider to deck. Private master suite with walk-in closet, bath and patio door leading to patio with firepit and gazebo. Large lower level family room.
Multilevel home. Eat-in kitchen with slider to deck. Formal living room open to dining room. Family room with fireplace and slider to patio overlooking tree-lined back yard. Finished basement with large rec room.
Fantastic three bedroom, three full bath home with gorgeous hardwood floors throughout, ceramic baths, large breezeway, deck, inground pool, and fenced rear yard. All this is nestled in well established neighborhood.
Spacious two-story home with over 1,900 square feet of living space. Walk into the large living room boasting neutral colors and new flooring. Formal dining room and additional eating area off of the kitchen. The beautiful family room includes built-in shelves and a wood-burning fireplace to keep warm this winter. Half bath on the main floor. Upstairs are four goodsized bedrooms with new carpeting. The master bedroom has an updated private bath with double sinks and a walk-in shower. The finished space on the lower level has a flexible layout for many purpose options. The back yard is fenced and has a concrete patio to enjoy, plus a storage shed. This property is situated in a convenient location close to amenities. Take advantage of this well-kept home! Mikhaele Howell 815.871.6787
5366
3 BD | 2 BA | 1,842 SQ FT
$209,900
This three bedroom, two bath, Loves Park ranch has a main floor master with a walk-in closet, first floor laundry, wood stove to keep you warm all winter and a three-season room to enjoy throughout the year! Located just west of Rock Cut State Park, near shopping and restaurants on 173 and quick access to I-90. Many updates include roof and windows in 2019, water heater and wood stove in 2018, furnace and central air in 2020. Great location within the Harlem School District.
Mark Fiorello
815.670.4129
mfiorello@GoGambino.com
$239,500
Here is a fantastic opportunity to own a beautiful, move-in ready ranch home in the Ridgefield Subdivision in Roscoe! From the moment you enter, you are greeted with light and bright spaces and tremendous volume. The living room provides a private and relaxing space. Perfect for entertaining, the family room, kitchen, and dining combination boast an open layout. Sliding doors from the dining area take you to a large multi-level composite deck overlooking a spacious yard perfect for warm-weather entertaining. Three nicely sized bedrooms are on the main floor, including a spacious master with an en-suite bath. Need more space? The basement offers a large rec room, fourth bedroom, and two bonus spaces making the perfect gym, playroom, or office depending on your needs. All of this is in a great location with easy access to amenities.
815.979.4218
Karl Gasbarra
4 BD | 2 BA | 2,402 SQ FT
Roscoe ranch with so much to offer! Three generously sized bedrooms and two full bathrooms will accommodate family and guests. Formal living room, dining room, and family room with a wood-burning fireplace perfect for those cold winter nights. The sunroom offers lots of light to enjoy. The vast basement offers immense additional square footage potential, just waiting for your personal finishing touches. Spacious two and a half car garage with a storage shed located directly adjacent. This home has so much to offer, including a fantastic location.
$229,922
Nestled in a beautiful setting of mature trees, this fantastic home is sure to delight. The generoussized front deck leads you to the spacious entryway of this well-built home. The eat-in kitchen is a great location for gathering with family and friends. The stove, dishwasher, and refrigerator are newer. Filled with a large amount of square footage, this home offers a variety of spaces for relaxing, entertaining, and enjoying everyday activities. Invite your guests to the double deck in the rear fenced yard, where the mature trees continue to wrap around the home and immerse you in nature. The two and a half car garage is equipped with space for storage. The moment you walk in the door, you can feel how this home has been well taken care of and is ready for you to create wonderful memories.
Vikki Turnmire
815.608.7229
3 BD | 2/1 BA | 2,772 SQ FTThree bed ranch on large lot with first floor laundry. Gorgeous hardwood floors and gas fireplace in the large living room. Newer roof. Two and half car garage. Low Winnebago County tax rates.
Four wood burning fireplaces throughout. Lower level sauna. Inground pool. Jacuzzi. Privacy fence. Huge maple kitchen, office, and lower level rec room. Rec room has two bedrooms, game room, second kitchen, and wet bar.
All the work has been done! Plenty of windows highlight the living room with open concept layout to the dining room, new carpet and cozy fireplace. Roomy, updated kitchen. Oversized garage, deck, and storage shed.
One owner ranch. Newer bay windows, newer roof and gutters. Dated but solid home with hardwoods under carpet. Finished lower level with wet bar. Huge deck along back of home.
Features first floor family room with fireplace. Large master suite with laundry and slider to deck. Basement offers many opportunities and includes full bath. Newly painted exterior, patio, deck and mature landscape.
True five bedroom with large, open spaces, and a bath on each floor. Huge master with private bath, and walkin closet. Newer windows, roof and siding, central air 2021, and updated electric. Fenced back yard.
$215,000
Spacious and tucked away in an excellent location, this gorgeous home is ready for a new owner. The beautiful Bamboo flooring throughout the living room, formal dining, family room, and two bedrooms adds elegance to the layout. The kitchen was updated in 2015 and boasts ample cabinet space, granite counters, and a planning desk. The main floor bedroom could be used as an office, perfect for today's work from home setups. Huge first floor laundry with lots of shelving and a folding table. Enjoy the seasons and entertaining family and friends on the expansive, private patio.
815.985.1115
Welcome to Westlake Village! A wonderful community featuring a private lake and beach, walking/ bike path, inground pool, tennis and basketball courts, playground, and golf cart friendly. This well-kept, updated ranch features over 2,000 square feet of living space. Great room with vaulted ceiling and gas fireplace for relaxing. The updated kitchen features solid surface countertops, white subway tile, and white cabinets. Newer laminate flooring for easy care. The master is located on the first floor and features an en suite. Two additional bedrooms and a full bath complete the first floor. Partially exposed, finished lower level with rec room, fourth bedroom, and a full bath. Gorgeous country views off your deck. Located in an excellent subdivision and has a low county tax rate.
Cheryl Jacobs
815.494.4956
cjacobs@GoGambino.com
Pecatonica
$169,900
Great retro ranch in an established area of homes on the south edge of town in Pecatonica. Close to schools, shopping, and easy access to US 20. Double door entrance to welcoming foyer. The kitchen has lots of cabinets and a spacious dining area. Pass-through window to large family room with brick wall fireplace and wall of windows to watch the birds in the back yard. The dining room is open to the living room with large windows to allow natural light to stream in. Three bedrooms with hardwood flooring. The generously sized master features a tastefully updated and private bath. Expansive lower level rec room, office, storage room, and bath. Great for entertaining and walls of closets for storage. Enjoy the large patio throughout the seasons.
Ginny Meyer
815.262.8082
3 BD | 3 BA | 3,200 SQ FT
by Gambino
Gather around some yummy melted cheese and have a fondue night. Think fondue is too hard? Have you made queso? Same concept! Melt the ingredients, slice some bread and fruit and enjoy!
2 cups shredded Swiss cheese (8 oz)
2 cups shredded Gruyère or Swiss cheese (8 oz)
2 tablespoons all-purpose flour
1 clove garlic, cut in half
1 cup dry white wine or nonalcoholic white wine
1 tablespoon lemon juice
3 tablespoons kirsch, dry sherry, brandy or nonalcoholic white wine
1 loaf (1 lb) French bread, cut into 1-inch pieces Apple and pear slices, if desired
In resealable plastic food-storage bag, place cheeses and flour. Shake until cheese is coated with flour.
Rub garlic on bottom and side of fondue pot, heavy saucepan or skillet, discard garlic. Add wine. Heat over simmer setting on fondue pot or over low heat just until bubbles rise to surface (do not boil). Stir in lemon juice.
Gradually add cheese mixture, about 1/2 cup at a time, stirring constantly with wire whisk over low heat, until melted. Stir in kirsch, sherry, brandy or nonalcoholic wine.
Keep warm over simmer setting. If prepared in saucepan or skillet, pour into a fondue pot or heatproof serving bowl and keep warm over low heat. Fondue must be served overheat to maintain its smooth, creamy texture. Keep the temp low under a fondue sauce, cheese doesn’t need high heat to melt. Tossing the shredded cheese with flour is another step that helps keep the melting cheese silky smooth and dippable. If the fondue becomes too thick, stir in a little more heated wine.
Spear bread and fruit with fondue forks; dip and swirl in fondue with stirring motion.
If fondue becomes too thick, stir in 1/4 to 1/2 cup heated wine.
Check out this newly listed, affordable ranch in Southeast Rockford. The house is freshly painted, with original hardwood floors throughout the main living areas, ceramic tile in the kitchen, and a completely remodeled bath. Situated on a fenced corner lot and ready for your furry friends! New roof in 2014 and siding in 2019. 21 X 18 carport with warranty was also added in 2019.
$169,000
Nice 1,600+ square foot ranch with three bedrooms and three full baths. For the chef in the family, they are sure to enjoy the beautiful large, updated kitchen with eating area, maple cabinets and granite countertops. The bedrooms are generous in size and offer ample storage space. The lower level has a finished area with salon setup and a separate entrance and there is space for a fourth bedroom. Home includes an oversized two car garage with an additional shed for storage. Newer furnace and central air installed in 2012. Water heater was replaced in 2020. The roof is only ten years old, providing peace of mind and creating a move-in condition home.
815.637.0113
Frank Gambino
3 BD | 3 BA | 1,708 SQ FT
Cute, brick and stone ranch with an attached two-car garage. It has a fully fenced back yard with lovely landscaping. A large living room with a fireplace offers a wonderful space for enjoying a movie. Updated kitchen with sub-zero fridge, trash compactor, stainless stove and dishwasher, under cabinet lighting, and eating area. One bedroom boasts a large closet and three season porch leading to the patio. Family room in basement with fireplace and half bath. Excellent location.
Welcome home to this well-cared for three bedroom brick ranch! Spacious living room with hardwood floors and bay window making it light and bright. Updated eat-in kitchen with granite counters, many cabinets, and stainless appliances. Good-sized master bedroom. Updated main level bath. New Feldco windows in 2008, Larson storm doors, and Thermatru fiberglass front door in 2017. On the lower level, you will find a huge rec room with newer carpet that has tons of options. The basement was waterproofed in 2020. Additional lower level bathroom with lots of extra closet space. Updates in the last ten years include roof, central air, water heater, water softener, kitchen appliances, wood flooring in the living room, kitchen and hallway, windows, blacktop driveway, well pump, shed, and septic field lines. Two and a half car heated garage with a newer floor. The property is almost half an acre at the end of a street beside an empty lot and backs up to a cornfield, making it more private. Mikhaele Howell 815.871.6787
$99,900
Run, don't walk to see this completely updated two-story with two car garage. Can lights illuminate the kitchen with stainless appliances, newer cabinets, and countertops. Dining room with hardwood floor and beautiful, built-in china cabinet. Newer carpeting in the living room. The bathroom features a vaulted ceiling, skylight, tile tub enclosure, backsplash, and updated vanity. You can get lost in the main bedroom; it is so big, complete with a workstation, walk-in closets, and ceiling fans in both bedrooms. There is a comfortable heated front porch for relaxation. Vinyl siding and windows are wrapped, with no maintenance, and just a year ago, replacement windows. This is a charming home that you can move into and create your cherished memories with family and friends.
815.543.2008
Lyle McKinney 2 BD | 1 BA | 1,185 SQ FTThere’s no doubt today’s housing market is very different than the frenzied one from the past couple of years. In the second half of 2022, there was a dramatic shift in real estate, and it caused many people to make comparisons to the 2008 housing crisis. While there may be a few similarities, when looking at key variables now compared to the last housing cycle, there are significant differences.
In the latest Real Estate Forecast Summit, Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), drew the comparisons in the chart bottom right between today’s housing market and the previous cycle.
Looking at the facts, it’s clear: today is very different than the housing market of 15 years ago.
And in today’s market, with inventory rising and less competition from other buyers, there’s opportunity right now.
According to David Stevens, former Assistant Secretary of Housing:
“So be advised…this may be the one and only window for the next few years to get into a buyer’s market. And remember…as the Federal Reserve data shows…home prices only go up and always recover from recessions no matter how mild or severe. Long term homeowners should view this market…right now…as a unique buying opportunity.”
Today’s housing market is nothing like the real estate market 15 years ago. If you’re a buyer right now, this may be the chance you’ve been waiting for. Call Gambino Realtor at 815.282.2222 to get started on your home buying process.
s a n d s e n t i m e n t a l i t e m s .
Meticulously cared for the last eight years by one owner, this generously sized mobile home is situated across from the Rockcut Bike Path. Beautiful contemporary great room with an open concept layout to the kitchen, stone-faced eating bar, and dining area. Lovely light cabinets, walk-in pantry, stainless stove, fridge, microwave, and dishwasher. The large laundry room includes cabinets and a sink. The master features a bath with double sinks, a soaker tub, shower, and a walk-in closet. Sizeable deck. The lot rent is $675 a month.
jcampbell@GoGambino.com
2 BD | 2/1 BA | 2,376 SQ FT
$170,000
One owner! All brick Zentz condo in a great location! Two bedroom, two and a half bath ready to make your own. The large foyer welcomes you into the great room with a dining area. Light and bright kitchen with a pantry. The laundry is conveniently located on the main floor. Escape to your large master suite with a walk-in closet. The open stairway leads to a finished, expansive, and open lower level that boasts a gas fireplace with brick surround, a half bath, and a great storage area. This condo is spacious with an excellent layout. It is a must-see!
Kathy Heeren-Ellis
815.708.4061
kheerenellis@GoGambino.com
2
$99,900
Beautifully maintained and decorated end unit full of windows provides easy condo living. The work is done for you, so you can move in and relax. Ample space in the main living area with balcony. Remodeled baths and recently painted throughout. Spacious master bedroom with private bath and walk in closet. One car detached garage and laundry in unit. Secure building with intercom system in a great location, just two minutes from highways 20/90/39.
Miguel Lobato
815.494.7905
4744 Wolverton Lane #H Rockford BD | 2 BA | 1,341 SQ FT
Beautifully finished office space located on the third floor with multiple units available. The upscale office building encompasses 80,000 square feet and is located just west of downtown in Freeport's desirable northeast quadrant. This building offers historically rich architecture with modern conveniences such as abundant parking (over 200 spaces), fiber optic, on-site cafeteria, key card entry and video security. Monument signage offers high visibility on W. Stephenson St.
Jennifer Berry
815.871.6156
jberry@GoGambino.com
If you’re getting ready to buy your first home, you’re likely focused on saving up for everything that purchase involves. One cost that’s likely top of mind is your down payment. But don’t let a common misconception about how much you need to save make the process harder than it could be.
Understand 20% Isn’t Always the Typical Down Payment Freddie Mac explains:
“. . . nearly a third of prospective homebuyers think they need a down payment of 20% or more to buy a home. This myth remains one of the largest perceived barriers to achieving homeownership.”
Unless specified by your loan type or lender, it’s typically not required to put 20% down. This means you could be closer to your homebuying dream than you realize. According to the National Association of Realtors (NAR), the median down payment hasn’t been over 20% since 2005. In fact, the median down payment today is only 14%. And it’s even lower for first-time homebuyers at just 6% (see graph above right).
If saving for a down payment still feels like a challenge, know that there’s help available. A real estate professional and trusted lender can show you options that could help you get closer to your down payment goal. According to latest Homeownership Program Index from Down Payment Resource, there are over 2,000 homebuyer assistance programs in the U.S., and the majority are intended to help with down payments.
Plus there are even loan types, like FHA loans, with down payments as low as 3.5%, as well as options like VA loans and USDA loans with no down payment requirements for qualified applicants.
To understand your options, be sure to do your homework. If you’re interested in learning more about down payment assistance programs, information is available through sites like Down Payment Resource. Then, partner with a trusted lender to learn what you qualify for on your homebuying journey.
Remember, a 20% down payment isn’t always required. If you want to purchase a home this year, let’s connect. You’ll also want to make sure you have a trusted lender so you can explore your down payment options.
MULTI-FAMILY
Excellent condition, three-unit building with eight garage spaces. Loads of updates. New roof, siding and A/C installed in 2017, and second A/C in 2021. Two new water heaters and a third in 2021. One of the units was remodeled in 2022. Each unit has separate utilities. Leases are month to month. Unit two rents for $600 and unit three rents for $450. All appliances, gazebo, and security system included. This is an excellent opportunity to expand or start your real estate portfolio.
Luis Sancho
815.494.4536
lsancho@GoGambino.com
$30,890 -
Tranquil community nestled among the Rock River - welcome to River Key Subdivision. Your waterfront dream home awaits you with easy access to boating, fishing, skiing or lounging by the water’s edge in this river community. Inspired by the water way of life, River Key properties are located on the riverfront, countryside, or a quiet canal with access to the beautiful Rock River. The lots have potential for full walk out or partially exposed lower levels. The development has curbs and gutters, city water and sewer, residents-only boat ramp and storage areas, and Owen Township tax rate. River Key is conveniently located near the 173 Corridor and I-90.
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