home|design, December 16, 2017 by Charlotte home

Real Estate News

page 4

“At the end of the day, the joy of deepening the relationship with the horse on a daily basis is truly priceless.”

C H A R L O T T E

home design

——Cindy Castano-Swannack, Ivester Jackson

dedicated to showcasing charlotte’s distinctive homes

Equestrian Farms & Land What to know before buying the farm - story on page 6

real estate trends straight talk designer spotlight association answers home & garden selling your home during ‘off’ season p14 homes.charlo+e.com

think small p18

pet presents p20

in defense of HOAs p22

make your winter landscape bloom p24

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

December 15–23, 2017

Celebrate the holidays with the best gift of all—a new dream home! Visit a participating community in the Charlotte area during this special event, and add even more style, elegance and value with select kitchen and bath upgrades when you deposit on a new Toll Brothers home!* 844-840-5263 I Sales Centers Open Sun. – Mon. 1 pm – 6 pm, Tues. – Sat. 10 am – 6 pm

For more information and directions, visit TollBrothersNC.com Design trends, tips & more at TollTV.com | Download the Toll Brothers App today Brokers welcome. Homes available nationwide. Prices subject to change without notice. Photos are images only and should not be relied upon to confirm applicable features. *Offer, if any, is valid for new buyers who purchase a home in a participating community in North Carolina and deposit between 12/15/17 and 12/23/17, sign an agreement of sale, and close on the home. Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions, including but not limited to the availability of home sites. Toll Brothers reserves the right to change or withdraw any offer at any time. Not valid with any other offer. See sales representative for details. This is not an offering where prohibited by law.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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Year-End SALES EVENT

W FI EE N KEAL N D

Find the CalAtlantic home of your dreams just in time for the holidays. Visit any of our communities and take advantage of Special Offers on our most desired Quick Move-in Homes.*

SIGN A PURCHASE CONTRACT ON A SELECT QUICK MOVE-IN HOME BETWEEN NOVEMBER 6, 2017 AND DECEMBER 17, 2017 AND CLOSE BY DECEMBER 29, 2017 TO RECEIVE:

Up to $7,000 Toward Closing Costs** When financing with our affiliate lender, CalAtlantic Mortgage and using our preferred closing agent

PLUS

Up to $10,000 Off Purchase Price of Home***

CalAtlanticHomes.com *Available only on the purchase of a select quick move-in home in the CalAtlantic Greater Charlotte area communities including Charlotte, Huntersville, Mooresville,Waxhaw, Davidson, Stallings, Concord, Denver,Weddington and Fort Mill when you sign a purchase contract on or between November 6, 2017 and December 17, 2017 and close on or before December 29, 2017. **Up to $7,000 toward closing costs is subject to limits and is contingent upon a buyer closing a loan with our affiliated lender, CalAtlantic Mortgage or, where permitted by seller, another seller preferred lender, and using our preferred closing agent. Any incentive tied to use of CalAtlantic Mortgage may not exceed 3% of sales price.The offer to pay closing costs does not include payment of prepaid taxes, property or mortgage insurance, or mortgage installments.The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which buyer qualifies. Buyer should ask his or her lender about the impact of such limits. Completion and/or move-in dates are estimated. ***Discount varies by community and homesite. Discount may already be reflected in the prices shown on the website. Please confirm with your sales counselor. Prices, plans and terms are effective on the date of publication and subject to change without notice. Depictions of homes or other features are artist conceptions. Hardscape, landscape and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary. This ad contains general information about new home communities in North Carolina and South Carolina areas and it is not an offer or the solicitation of an offer for the purchase of a new home. This information is not directed to residents of any other state that requires registration or permit issuance prior to the publication of such information. CalAtlantic Mortgage, Inc., NMLS# 203897 holds a North Carolina Mortgage Lender license # L-155709 and branch licenses in ; Morrisville, NC, L-155709-105; Scottsdale, AZ L-155709-104 and two locations in Charlotte, NC, L-155709-102 and L-155709-106. CalAtlantic Mortgage, Inc., NMLS# 203897 holds a South Carolina Mortgage Lender/Servicer license #MLS 203897; Charleston, SC MLB-1020765; Scottsdale, AZ MLB-767026; and two locations in Charlotte, NC, MLB-996700 and MLB-1588642. CACLT391

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

$275,000,000 Cindy Barnes Over in career sales

|real estate news

what’s new?

(704) 367-7203

compiled by Whitney Berongi

Picture Your Home Sold Here! New construction! Great Arboretum location w/ lake views! Beautiful finishes. Top Schools. 9121 Kristen Lake Ct. - MLS# 3345731 - $800,000

UNDER CONTRACT

Ronda Avenue MLS# 3264020

Don’t miss this one! Adorable Cotswold home with terrific updates, great style & a 2-car garage. 1103 Hulston Court - MLS# 3337344 - $425,000

$100,000 Builder opportunity in popular Stonehaven! Large lot, ideal for basement

BERKSHIRE HATHAWAY HOMESERVICES CAROLINAS REALTY ANNOUNCES ACQUISITION OF ATTORNEYS TITLE Berkshire Hathaway HomeServices Carolinas Realty recently announced the acquisition of Attorneys Title, a title insurance agency in North Carolina. With more than 35 years of experience, seven offices and 25 employees, Attorneys Title is known for its experienced legal team and underwriting professionals who provide local expertise in both residential and commercial transactions across North and South Carolina. With nearly 900 sales associates in 15 offices, the Berkshire Hathaway HomeServices Carolinas Realty family of companies serves the metropolitan areas and surrounding communities of Charlotte, the Triad, the Triangle and Pinehurst & Southern Pines. The merger adds additional resources and valuable expertise to help customers buy and sell their homes and furthers their commitment to providing a seamless experience throughout the real estate transaction. Kimberly Rosenberg will remain with the company as president of Attorneys Title, and Bryan Rosenberg will continue as vice president of operations. For more information visit, BHHSCarolinas.com. HM PROPERTIES ANNOUNCES NEW LUXURY DEVELOPMENT IN FOXCROFT HM Properties has been selected by the Jim Gross Company to represent Kenwood Sharon Lane, a new single-family home community tucked in Foxcroft. The unique enclave will feature 10 single-family homes on a tree-lined cul-desac street with sidewalks. Each residence will feature two-story, open plans with the master suite on the main level. Homes will range from 3,917 to 4,619 square feet, and buyers will have a choice of three- or five-bedroom options. Each home will include custom high-end finishes, two fireplaces, high ceilings, walls of windows, hardwood floors, gas appliances, “smart” wiring, an optional elevator, attached rear load two-car garage and private brick-walled backyards. Residences are priced from $1.5 million to $1.8 million, and completion is scheduled for the end of 2018. Kim Sheehey, Broker/Realtor with HM Properties, is the listing agent representing Kenwood Sharon Lane. For more information, visit hmproperties.com/kenwoodsharon-lane or contact Kim at 704-909-5027 or kimsheehey@hmproperties.com. Email real estate news to homedesign@charlotteobserver.com.

home|design Section published by The Charlotte Observer • P.O. Box 32188, Charlotte, NC 28232. Editorial material in this section is the responsibility of the Observer Content Studio, 704-358-5305. It did not involve the news staff of The Observer.

Considering downsizing? Overwhelmed? If you need a place to start, call me for a practical, step-by-step approach.

Editor

Coordinator/Designer

Christina Darnell

Melissa Kennelly

For Agent info contact

For New Home Builder info contact

Buck Brice at bbrice@charlotteobserver.com

Suzanne Parker at sparker@charlotteobserver.com

Director Digital Sales & Strategy Phyllis Weber, 704-358-5345

Is there a neighborhood you’d like to see featured? Do you know of a new design trend on the rise? Did you use one of our ideas for your own home or home purchase?

We’d love to hear from you.

HAND IT OVER Cindy.Barnes@allentate.com 4P

homedesign@charlotteobserver.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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Low-Maintenance, Ranch Homes Available Today!

Locate your dream home at www.myepconhome.com/charlotte The Courtyards on Lake Norman 704-685-0818 The Courtyards of Huntersville 704-439-7023 The Courtyards at Blume Point 704-439-7023 The Courtyards at Kinnamon Park 704-576-0556

“We love our new lifestyle. Our only regret is that we didn’t do it sooner.”

The Courtyards at Emerald Lake 704-635-5082 The Courtyards at Wesley Chapel 704-233-7727 The Courtyards of Marvin 704-787-0320 GOLD SPONSORS

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

|living in Equestrian Farms & Land

DID YOU KNOW? When it comes to how much land is needed for a ranch, the general rule of thumb is two acres per horse, plus room to rotate and give pastures a rest.

EAT Provisions Waxhaw Stop by this family-owned restaurant located in the heart of Waxhaw’s historic Main Street and enjoy a farm-to-fork meal before hitting the stables.

provisionswaxhaw.com

PLAY Queen’s Cup Steeplechase Head to the Piedmont countryside on the last Saturday in April to enjoy the muchanticipated Queen’s Cup ,where thousands come to cheer on their favorite thoroughbreds as they race toward the finish line.

queenscup.org

EXPLORE Tryon International Equestrian Center Explore this international equestrian hub as it transforms into a winter wonderland complete with Santa, holiday lights and Christmas markets during the month of December for Winterfest 2017.

tryon.coth.com

by Julie Cooper

eyond saving money, equestrian enthusiasts turn to buying their own piece of land as an investment in their lifestyle and a way to spend more time with their four-hoofed friends. And for those considering the Charlotte area, there are many advantages—namely a rolling topography, beautiful lakes and rivers and proximity to thriving cities, towns and affordable acreage. From Union County to the Foothills, Lake Norman and just across the state line, buyers have plenty of options—and considerations to make—when finding the perfect plot. “Owning horses can be a costly endeavor,” says Cindy Castano-Swannack with Ivester Jackson Distinctive Properties, adding that boarding fees can run upwards of $1,000 per month. “From a financial perspective, however, owning one’s own equestrian property allows that financial investment to flow over into equity growth in real estate,” she says. “And, at the end of the day, the joy of deepening the relationship with the horse on a daily basis is truly priceless.”

Lifelong horse lover Lillie Brown with Town and Country Realtors has helped many find their dream equestrian property in the Foothills area and says there’s much to consider when shopping around. “The buyer needs to think about how they enjoy horses first—do they want to be close to a competition facility or wish to trail ride? Also, the topography is very important,” she says. “Pastures can be rolling but not steep, and buyers must make sure they have enough land for their horses.” The environment in which the horses live is also an integral component. “Both water flow and soil quality is critical when considering land usage,” says Castano-Swannack. “Water in nature is a force to be reckoned with, and poor drainage can wash out valuable soil. So, during due diligence, buyers should consult with the experts to cover all these critical points and have soil tests conducted.” Another important factor is location. According to Castano-Swannack, many buyers want rural but not

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

necessarily remote. “The proximity to town and resources is a big factor,” she says. “I recently listed a parcel of 68 acres only five minutes south of Waxhaw, and it went under contract in 57 days. It offered the perfect combination of a great location and price.” And there are many more dream properties ready to be scooped up. “We are fortunate to have a large equestrian community with an even larger variety of farms ranging from small to grand,” says Brown. “There are also a few planned communities that cater to horses and have a central barn with many small farms clustered together. This addresses the needs of riders who are looking for that social proximity to other horse people but still want some independence.” As for the market forecast, the outlook is bright and sunny when it comes to purchasing acreage. “Having farmland is a safe investment,” says Brown. “Land is always going to appreciate in value, and, in some cases, there are even tax advantages in North Carolina for owning a farm.”

homes.charlo+e.com

$1.435M MLS# 3331567

5BD | 5 Full, 3 Half BA | 6,914 SqFt. | .724 Adjacent Acres Available

7807 S Potter Rd, Waxhaw, NC 28173 Price: $450,000 MLS: 3285715 Listing Agent: Cindy CastanoSwannack, Ivester Jackson Distinctive Properties, 704-9046619, cindy@ivesterjackson.com Beautiful horse farm with more than 36 acres, a five-stall barn, hot/cold running water, tack room, washroom, hayloft, matted stalls, two grazing pastures (one about 5 acres and the other about 10 acres) and a dressage arena. A mobile home goes with property. Buried electric from S Potter Road to homesite. Satellite Internet. Fabulous custom homesite awaiting your design. Fenced pastures.

Proposed Home

MLS# 3200683 | Lot 2 at McNeely Farms Drive in Waxhaw | $225K

$450K | 36.23 Acres MLS# 3285715

Beautiful Horse Farm with 5-Stall Barn & Two Grazing Pastures 7807 S Potter Road in Waxhaw, NC

$99.5K MLS# 3170898

Lot 28, Cane Pointe Nesbit Road, Waxhaw, NC

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

$84.3K | 22.48 Acres MLS# 3294986

2330 Old Georgetown Road, Cassatt, SC

|living in Equestrian Farms & Land 1636 Little Mountain Rd, Columbus, NC 28722 Price: $1,995,000 MLS: 222480 Listing Agent: Lillie Brown, Town and Country Realtors, 864-978-9465, lhbrown@ windstream.net

Vestavia Farm on 64.84 beautiful acres with mountain views. The property consists of a two-bed, two-bath house, two-bed, one-bath guest house, 13-stall barn, separate two-stall barn, four-bay garage and four-bay equipment building. Thirty-five acres established pasture include a large 20-acre fenced pasture and four paddocks, all with water connection. On FETA and CETA trail system with private trails on property. Seven miles to TIEC, two miles to Tryon equine clinic.

555 Christopher Road, Campobello, SC 29322 Price: $532,000 MLS: 244984 Listing Agent: Lillie Brown, Town and Country Realtors, 864-978-9465, lhbrown@ windstream.net

Perfect horse farm for the active equestrian. Only 20 minutes to Tryon International Equestrian Center. Three-bed, two-bath, twostory log home with views of the mountains. Cozy cabin with huge front porch. Move-in ready. Equestrian features include a custom seven-stall barn with wash rack, feed room, heated/cooled tack room with half bath and washer/dryer, unfinished apartment above barn, foaling stall with viewing area, two double run-in sheds, four pastures, 100-by260-foot ring with rock dust/sand footing. RV hook-up. Gated.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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LILLIE BROWN

TOWN & COUNTRY

Horse Farms & Upscale Homes

951 S. Trade St • Tryon NC

Realtors®

TryonHorseFarms.com 864.978.9465

  ,, ~ Professional horse farm: barns total 15 stalls ~ Main house, guest house, mountain views, on 64+ acre ~ Outbuildings, riding ring, trails, minutes to TIEC

   -   ,, ~ Grand estate set on 36+ acres, large rooms, fine living ~ Tennis, pool with house, lush pastureland, mountain views ~ Horse farm potential! Centrally located to TIEC

  , ~ Perfect horse farm: 3 BR, 2 BA log home, mountain views ~ Custom 7-stall barn with every amenity, ring, plus unfinished apartment above barn. Gated. 20 min to TIEC

   , ~ On 15 acres: 2 Bedroom, 1940s Farm cottage ~ 4-Stall barn, all amenities; 2 run-in sheds; riding ring ~ 9 Acres-3 fenced pastures, 6 wooded acres, stream

9 11

s re Ac

 . :    , Since 1911, a family farm designated as both a Forestry Stewardship farm and a Century farm. There are many trails for walking, running, horseback riding and all-terrain vehicle use … ~ Large, level tract: parcel fronts 3 roads, many building site options ~ 119+ Acres: 4 acres in pasture and the remainder is wooded acreage ~ Ideal for estate, sub development or horse farm … endless possibilities! ~ A stream runs through it. 13 Minutes to TIEC.

Tryon, NC … Gateway to the Tryon International Equestrian Center homes.charlo+e.com

h o m e o f t h e 2 0 1 8 f e i wo r l d e q u e s t r i a n g a m e s

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

|living in Equestrian Farms & Land 1523 Tom Williams Road, Monroe, NC 28112 Price: $1,600,000 MLS: 3343686 Listing Agent: Kim Lynip, 704-7248913, kimlynip@gmail.com; Shelley deMontesquiou, 704-989-2770, shelleydemontesq@gmail.com; Coldwell Banker Breathtaking custom-built log home situated amidst fully-established horse training and boarding facility. Home features wraparound porch, tremendous pastoral views, 8-foot doors, 10-foot ceilings, mahogany wood floors, a stacked stone fireplace, sound-proof man cave and a gourmet kitchen with dual ovens, 42-inch gas cooktop with pop-up vent, pot filler and griddle. The master bath has a jetted shower/tub. Exterior facilities include a 21-stall barn, Â½-bath, laundry, office, RV pads and hydraulic walker.

Featured Home

Gated Community

Custom-Built Ranch

Magnificent Country Estate

Kim Lynip REALTOR

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Shelley deMontesquiou REALTOR, SPS, HSE, CMRS

704.724.8913

704.989.2770

KimLynip@gmail.com

Shelleydemontesq@gmail.com

The Carolina Dream Living Team www.CarolinaDreamLiving.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

homes.charlo+e.com

Linda Tinkler Owner/Broker Mountain Property Group TryonEQ.com - 828.308.7075 LindaTinkler@charter.net

LindaTinkler@charter.net 36 Mapleton Ln ~ Columbus NC

MLS# 3302322

MLS# 247153

5 Acres | $299K

1.14Acres | $1.199M

393 Springhill ~ Rutherfordton, NC 984 Mapleton Lane, Columbus, NC 28722 Price: $1,199,000 MLS: 247153 Listing Agent: Linda Tinkler, Mountain Property Group, 828-3087075, lindatinkler@charter.net New custom build in Derbyshire, a high-quality, gated equestrian subdivision minutes from TIEC. Stunning views of the springfed private lake and 374 feet of waterfront. Open floor plan, three beds, three baths, an office, fabulous master suite, pantry, three-car garage. Exquisite finishes throughout: 8-foot doors, high ceilings, bronze hardware, Cambria countertops, all furnishings available. Deeded CETA trail access, arena, keep your horses in the community barn.

homes.charlo+e.com

984 Mapleton Ln ~ Columbus, NC

LakeSandyPlainsRd~Columbus,NC

MLS# 3302322

MLS# 3321612

10.05Acres | $949,999

10.01Acres | $228K

Birchover Ln ~ Columbus NC

MLS# 3282974 40Acres | $995K

202 Ridgetop Rd ~ Landrum, SC

145 Hollymoorside ~ Columbus, NC

MLS# 3334549 | $379K 3Bd, 3Ba, 2,086 Sqft

4948 Chesnee Rd ~ Columbus, NC

MLS# 1357261

MLS# 3303399

16.59Acres | $575K

33.39Acres | $469K

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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Horse Farms, Country Homes, Cottages & Land Timeless Elegance

Meadow Wood Farm

23 Hunting Country Rd | Tryon, NC

350 S Phillips Rd | Columbus, NC

MLS# 1348907 | 27 Acres | 2BD, 4BA | $1.8M

MLS# 3235603 | 39 Acres | 4BD, 3.5BA | $1.449M

Spectacular Sunsets

Pastoral Mountain Views

MLS# 3316631 | 96.47 Acres | 3BD, 2BA | $799K

Sweeping Mountain Views

Under Contract

1061 Honeyhill Ln | Tryon, NC

279 Stirrup Downs Ln | Columbus, NC

MLS# 3224272 | 54.71 Acres | 4BD, 4.5BA | $1.650M

MLS# 3335918 | 6.7 Acres | 3BD, 2BA | $459K

Tucked Away Rental Potential

Private Estate Prominent Pasture

1418 John Smith Rd | Columbus, NC

3030 Red Fox Rd | Tryon, NC

MLS# 3165194 | 10.40 Acres | 2BD, 3BA | $449.5K

MLS# 3149827 | 91.99 Acres | $899K

Bonnie Lingerfelt Broker/Owner RE/MAX Advantage

23 Hunting Country Road, Tryon, NC 28782 Price: $1,800,000 MLS: 1348907 Listing Agent: Bonnie Lingerfelt, RE/ MAX Advantage, 828-817-0166, bonnie@tryonproperties.com Escape to this luxury home on 27 acres in desirable “Hunting Country.” One-floor living at its finest with attention to details like stone, tile, granite, beams, wood floors and more. Inviting vaulted beam ceiling in living room, elegant dining room, lavish master suite, paneled library, gourmet kitchen and a guest suite. Remodeled in 2010— all new windows, doors, interior. Custom four-stall barn with a tack room and wash stall, board fenced pastures and an arena. FETA trails, convenient to Tryon, 20 minutes to TIEC.

828.817.0166 Bonnie@TryonProperties.com www.TryonProperties.Com

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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PATTI MAECHLER BROKER, REALTORÂ®

(704) 582-9700 Patti@CarolinaPrestigeProperties.com

8.05 ACRES - 3407 TOM STARNES RD - MONROE, NC MLS# 3304903 | 4BD, 4BA | 3,300 SQFT | | $525,000 er rop

1611 Ellis Belk Rd, Monroe, NC 28112 Price: $465,000 MLS: 3307873 Listing Agent: Patti Maechler, Prestige Properties of the Carolinas, 704-582-9700, patti@ carolinaprestigeproperties.com Privacy, waterfront view, cul de sac pastures, custom log home. Perfect for horse person, car enthusiast. Beautiful decks surround home with views of large lake with dock. Canadian tongueand-groove cedar. Huge outside area for dining and gathering. Open plan with massive country kitchen with porcelain countertops, a huge island. Features include a main entry with soaring ceiling, a private office, viewing loft above and joining converted garage with a 1/2 bath. Master up with huge deck.

P red atu

de Un

ct tra on C r

11.89 ACRES - 1611 ELLIS BELK RD MONROE, NC MLS# 3307873 | 3BD, 1-FULL, 2-HALF BA 2,768 SQFT | $465,000

940 WADE FUNDERBURKE RD PAGELAND, SC MLS # 3282625 | 3BD, 3.5BA 37.20 ACRES | $510,000

1216 ROCK HILL CHURCH RD, MATTHEWS, NC MLS# 3139675 | 150 ACRES | $3,375,000

SMITH LAKE RD, MOUNT PLEASANT, NC MLS# 3146030 | 8 ACRES | $250,000

COX ROAD, MOUNT PLEASANT, NC MLS# 3146031 | 10 ACRES | $250,000

108A East South Main St, Waxhaw, NC 28173 homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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|real estate trends

Hot Tips for the Cold Months of Real Estate If you’re selling your home during the ‘off’ season, these tips from local experts can help keep things ‘on’ by Emily Gunn

s the weather cools down, the real estate market tends to do the same. Many people can’t fathom the idea of adding “get the house ready to sell” to their already extensive holiday to-do list, especially if it’s not an urgent matter. But if you do find yourself in the position of trying to sell your home during the winter months, you may actually be at an advantage—at least in some ways.

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MAKING THE MOST OF SERIOUS HOLIDAY BUYERS As Melissa Brown of Helen Adams Realty explains, a “cooled down” market could help your home sell for more money since there will be less competition. In Charlotte, the big selling season is early spring, but Brown says selling your home in the “off months” can mean you’ll take advantage of a market with lower inventory. In a low inven-

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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3.75% INTEREST

3.99% APR PLUS

ZERO CLOSING

COSTS*

WHAT ARE YOU WAITING FOR? For a limited time, save thousands and enjoy a 3.75% interest rate, 3.99% APR, and zero closing costs when you purchase a quick move-in home during our Made to Move Savings Event.

tory market, buyers will appreciate a home that is competitively priced and in tip-top showing condition— and you might even generate more interest than you would otherwise. In addition, Brown says holiday homebuyers tend to be more serious homebuyers—at least as far she has seen in her many years of real estate experience. Some of these potential buyers might be anticipating end-ofyear bonuses to help with down payments, or they may be trying to relocate to Charlotte by the New Year. And since a lot of companies go on hiring sprees in January, they might be in a pinch to get here quickly for a job. No matter what, potential buy-

homes.charlo+e.com

ers are not likely to be out and about looking “just for the fun of it” when the weather is miserable and they’d rather be warm at home drinking hot chocolate. For this reason, it’s just as important as in warm months to make sure your home is in tip-top showing state. Rushed buyers won’t have time to search for pictures that are difficult to find, or to try and talk themselves into a home with absolutely no curb appeal. They will be immediately interested in homes that are buttoned-up and ready to go, and yours can be the one that seals the holiday deal. Brown also says holiday decora-

Already under construction – with floorplans, fixtures, and finishes expertly selected by our in-house designers – these select homes offer a simplified building process, making it possible for you to move in much sooner. And as with every Mattamy home, these quick move-ins feature the thoughtful design, quality, and value that have helped us become North America’s largest privately owned home builder.

For more information, visit MattamyHomes.com/Charlotte or your nearest Sales Center. *All pricing, availability and plans are subject to change without notice. Values and incentives vary by home, homesite and delivery date. Buyer must close on or before 12/22/17 and obtain mortgage with Mattamy Home Funding. Mattamy will pay all closing costs up to allowable limits determined by loan program. Interest rate of 3.75% / 3.993% APR for an owner occupied 30 year fixed rate conventional loan program with 10% down on a purchase price of $300,000 and total loan amount of $270,000. Upon completion of the application package our preferred lender Mattamy Home Funding, LLC, NMLS #64022 or your selected lender of choice will provide you a Loan Estimate with detailed costs of the mortgage transaction. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. Closing and settlement costs, reserve deposits, interest rate and APR are subject to change and the estimates shown above may be more or less depending on factors such as but not limited to: down payment, property type, and occupancy. Housing costs will vary depending on but not limited to: location, homeowner’s association dues, local and state fees, taxes, and hazard and mortgage insurance. The above fee information above is based on a credit score of 740. All loans are subject to underwriting and loan qualifications of the lender. Services are not available in all states. Rates, terms and conditions offered are subject to change without notice. Offer void where prohibited or otherwise restricted by law. Limited time offer, additional restrictions and limitations may apply. Visit Sales Center and see a Mattamy New Home Counselor for full details. E.& O.E. Builder CBC1253657

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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tions and a festive spirit can be a plus for helping homebuyers look at your home in a more favorable light. In Charlotte, people are inclined to decorate their yards during the holiday season, and people tend to be in a happier mood around the holidays anyway. Whether it’s a couple of baskets of mums or the smell of freshbaked cookies, holiday details can invoke a sense of warmth and help potential buyers feel more emotionally attached to your home. Capitalizing off this nostalgia can be helpful, and a few holiday details can help homebuyers imagine themselves establishing their own traditions in your home someday. However, Brown cautions against over-decorating for the holidays, which can be a turn-off and keep people from appreciating all your home’s great features. KEEPING THE YARD LOOKING FRESH Just because it’s cold, doesn’t mean you should abandon your lawn chores (or the company you’re paying

to do it). As Colin Malcolm of Helen Adams Realty attests, most people will know within the first 10 seconds of seeing a home whether or not they like it. If you let lawn care fall to the wayside because of the weather, you might miss out on a lot of potential interest. According to Kyle Rose of the Green Team in Charlotte, fescue grass is better suited for colder months (which is why it can struggle in the summer but turn extra green this time of year). Obviously, planting the right kind of grass for your lawn requires some foresight, which you might not have if you are unexpectedly listing your home. If you need to help your yard perk up at the last minute, Rose recommends a quick spreading of mulch or pine straw to make a world of difference. And if you’re not interested in spending your time out in the cold, you can hire a company like the Green Team to help keep your yard looking as jolly as the inside of your home.

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KYLE BAUCOM SouthPark kyle@ivesterjackson.com 704.507.0736

ANNA BOYCE RANKIN SouthPark annaboyce@ivesterjackson.com

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KAREN MANN Lake Norman karen@ivesterjackson.com 980.333.7745

IvesterJackson.com | 6100 Fairview Road, Suite 1202

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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Countryside Josephine Trotter PremierSothebysRealty.com

Lauren Alexander 704.996.3468

Matthew Alexander 704.560.2527

Donna Bush 770.842.7626

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We extend our deepest appreciation to you, our customers, for the opportunities to serve you and achieve extraordinary results. CHARLOTTE | 704.248.0243

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Photo courtesy of Stanley Tools

|straight talk

THINK SMALL Gift ideas for the handyman and DIYer on your list by Allen Norwood

till looking for a last-minute stocking stuffer for the DIYer at your house? There are plenty of tools and gadgets that are affordable, widely available and always welcome on the workbench. Cheap tools aren’t always bargains. Many of them won’t hold up and won’t handle big jobs. If you choose wisely, though, you can find lots of options. For instance, think small. I recently needed a small Phillips head screwdriver. Really tiny—eyeglasses screw size. I scrounged through the catchall drawer in the garage with no luck. I tried the smallest blades on three pocket knives—three!—but not one worked on the minuscule screw. Tiny screwdrivers are now on my wish list. And, for the record, I do not recom-

mend trying to repair eyeglasses with a Buck pocket knife. Stanley makes a 6-piece precision screwdriver set that sells for less than $10. It’s available at a hardware store or home center near you. Irwin makes a 5-piece set with spinning caps on the ends of the handles to make them easier to use with one hand. Another point: Those are both brand names you know and trust, always a plus. Mini tools work fine if you don’t ask them to handle big jobs. They handle tiny jobs—and, as my pocket knife adventure showed, they’re often the only things that will do. Mini pliers are ideal gifts for crafters as well as DIYers. If you’re going to buy a

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single pair, start with needle nose. For a little more, you can choose a full set with a handful of versatile styles. I use my mini pliers regularly on everything from door locks to fishing tackle to electronic gear. A few other last-minute ideas for affordable tools: – Look for a telescoping magnetic pickup tool for reaching into tight places to retrieve bolts, screws and other metal parts. The gizmos come in all sizes, including models that will fit in your pocket. At all prices, too, starting at less than $10. A neighbor asked the other day if I had one that he could borrow. The answer was no—but I will add that to the list with the precision screwdrivers. – Every DIYer should own a non-contact voltage detector. Just hold it close to a wire or receptacle to determine whether there’s potentially dangerous electrical power. It’s a quick and easy way to make double sure that you turned off that breaker. You can find models from Klein and Tacklife for $10 or a little more.

inches long, and the longest is barely 12 inches. They’re not large enough to rip a deck apart, but for removing shoe molding or delicate window trim, they’re perfect. – You can never go wrong with one of those all-in-one multi-tip screwdrivers. They’re handy everywhere. Keep one upstairs, another downstairs, a third in the garage or shop. – Every tool bench needs sturdy scissors. – A simple pencil sharpener, too, including one that will accommodate a flat carpenter’s pencil. – Swanson, Irwin and Stanley make TBevels. Nothing else works as well when you need to set and transfer an angle in carpentry, and prices start at well under $10. – Magnetic wrist bands start at less than $10. They hold nails and screws securely while you work. (So you won’t always have to go look for that telescoping magnetic pickup tool.)

– I have a set of small, flat pry bars that have turned out to be amazingly useful. The shortest is only about 4

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

Allen Norwood: homeinfo@charter.net

homes.charlo+e.com

SouthPark Office 6857 Fairview Road Charlotte, NC 28210 704-552-9292

OPENING Soon - WAVERLY OFFICE 7415 Waverly Walk Ave, Suite F2-2 Charlotte, NC 28277

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VIVIAN & MARK MUNSON

CHELSEA PLACE | $1,095,000

BRITTANY OAKS | SP: $456,000

OVERLOOK | $410,000

2501 Chelsea Place Court

11322 Baronia Place

4444 Andrew James Drive

704-661-7330

Custom 5BR/4BA | In-ground pool

4BR/2.1BA | Updates | Private lot

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1966 Maryland Avenue

102 Wrenwood Lane

5726 Colony Road

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6BR/5.1BA | Amazing outdoor living

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3751 Abingdon Road

7140 Old Providence Road

2308 Coltsview Lane, Matthews

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5BR/5.1BA | Well-appointed

4BR/3.1BA | Gated enclave

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4342 Tottenham Road

10001 Reniston Drive

10513 Serape Road

704-909-5062

4BR/3BA | Gated community

5BR/3.1BA | Open plan | MBR down

3BR/2.1BA| Wrap-around porch

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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|design instyle

Pet Presents When you’re buying gifts this season, don’t forget your furry friends by Vicki Payne

mericans love their pets. They wouldn’t think of leaving them off their Christmas shopping list. Forty-four percent of American households own a dog, and 35 percent have a cat, according to the American Pet Products Association. That’s a lot of squeeze toys and chew bones. It’s hard not to let our pets rule our households. This year,

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consider sprucing up your décor by upscaling your pet’s Christmas gifts. Retailers are offering so many stylish choices this season that you won’t have any problem finding beds, bowls, toys and organizational items to fit your home’s style. This may be over the top, but why not give them their own house? Sauder Woodworking has launched an entire line of

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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Dog House by Sauder Woodworking. www.sauder.com

Natural Sphere Cat Tower by Sauder Woodworking. www.sauder.com

Doggie Toy Basket by Pottery Barn. www.potterybarn.com

Whimsical floor pillows from Norwalk Furniture. www.norwalkfurniture.com

Rachel Ray’s Upstate Collection dog bed, coordinates with an entire line of home furniture in rustic cherry veneers. www.fegacyclassic.com

pet furniture. The “Inside Dog House” is designed for small- to medium-sized dogs and features a three-position food shelf and two stainless steel bowls. The dog bed insert includes a removable, washable cover, and there is even a 55inch “tree” that attaches to the back to hold leashes. They also offer a Natural Sphere Cat Tower for cat lovers. Faux fur is all the rage this year, so why not give your sweet dog a cleanable, luxury fur bed. Pottery Barn’s faux fur pet bed cover makes your pet’s favorite spot as stylish as the rest of your home. It is woven from quality materials for a sumptuously plush feel. The cover is removable for easy cleaning and is avail-

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able in two sizes and several colors and textures. Designers looking for a pretentious dog bed will be delighted with their options. Rachael Ray, a well-known dog lover, has teamed with Legacy Classic Furniture to create pet beds that coordinate with her furniture lines. Traditional styles are available from Pottery Barn and other retailers. If your dog loves your throw pillows, now you can give him his own matching floor pillows from Norwalk Furniture. They make custom floor pillows covered in high performance fabric on one side and vinyl on the other. They’re available at furniture dealers nationwide.

Pets can end up with as many toys as a toddler. Keep their favorite toys organized in a stylish handwoven rattan doggie toy basket accented with cow leather handles and a latch. It’s decorative enough to keep out or easy to stash away under a table or bench. Tidy up their dining area with new food and water dishes. A stand-up catty keeps bowls from spilling. You can find them in stainless steel, ceramics and iron. Be sure to check the bowl height before buying. Replace dog food bags with tin or ceramic canisters with airtight lids. They’ll keep the food fresh and odors away. Visiting friends or family during the

holidays? Don’t forget to take a little gift for your friend’s dog or cat. Better yet, donate in their pet’s name to the American Society for the Prevention of Cruelty to Animals (ASPCA). They’re a national leader in the areas of rescue, adoption and welfare. You’ll make big points with your host and help put an end to animal cruelty.

Vicki Payne Donatelli is an interior designer, project coordinator and popular speaker for renovation and new construction projects. She is the host of the national PBS series “For Your Home.” Visit her blog at ForYourHome.com.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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|association answers

H In Defense of HOAs This week’s column was written by my colleague Donna DiMaggio Berger. Donna is a Shareholder in the law firm of Becker & Poliakoff and is the author of the popular Community Association Law blog which can be found at communityassociationlawblog.com. — Mike Hunter

OAs certainly have their share of detractors. Many HOAs operate a community of detached, single-family homes, begging the question: it’s my house; it’s my yard; other than the local building code, why should my HOA be able to restrict what I can do with them? Does it really matter how I maintain my yard? Shouldn’t the choice of exterior paint color be left up to me? Shouldn’t I be able to park whatever vehicle I want wherever I want on my lot? The answer to those questions depends on one’s expectations, and, unfortunately, sometimes people who prefer few or no restrictions find themselves living in communities with extensive rules and regulations. While some people are quick to criticize HOAs and even call for the dismantling of their regulatory framework, there are significant benefits that a mandatory homeowners’ association can provide. In my hometown of Plantation, Fla., an ongoing controversy exists in terms of a holiday light display on a residential cul-de-sac which is not part of a mandatory community association. When I first visited the attraction, I marveled at the grand scale of the display: a large Ferris

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wheel in the middle of the lawn with adorable teddy bear passengers, an outdoor movie screen playing holiday classics, thousands of lights and decorations and masses of people milling around and gawking like me. My second thought was, I really would not want to live on this street. This nationally recognized holiday display takes place on an otherwise quiet cul-de-sac with fewer than a dozen homes and only one street that provides access to the residents and their guests and visitors. The push and pull between the owners who host the display and their neighbors has, not surprisingly, played out in the media. Several of the neighbors have been vociferous about the negative impact it’s having on them. They claim the lights, noise, garbage left on their lawns by visitors, weeks of set-up and removal of the display as well as the traffic over the span of many weeks all contribute to the diminution in their quiet enjoyment of their homes and ability to celebrate the holidays on their terms. They also fear the display could hinder the ability of emergency vehicles

to render assistance in their neighborhood while the display’s visitors are clogging the streets. There is little doubt a holiday display of this scale would not be permitted in a mandatory HOA, and this is only one example of activity they could, and arguably should, regulate. Every set of HOA governing documents contains a clause prohibiting activity that interferes with the peaceful possession and enjoyment of the other homes in the community. In this case, the governing documents could be amended to add specific guidelines regarding holiday displays and exterior alterations to a residence. No HOA documents would permit any type of display which could be classified as a nuisance or which would bring a nightly influx of non-residents into the community. A violation of the governing documents such as this holiday display would have resulted in fines, and, if those fines exceeded $1,000, they could have put a lien on the property and possibly foreclosed. Whether you believe that a massive holiday display in a residential

area is a nuisance or a blessing, the tools available to a private residential community enforcing its private restrictions are undeniable, and they can and should work to the benefit of other lot owners. Detractors of mandatory HOAs may argue the local city or county can regulate the use of residential property. That may be true in theory, but in practice the local authority sets minimum standards, whereas your community may want higher standards of aesthetics. The local authority is also often reluctant to become embroiled in these kinds of situations, and, even when they do take action, they may not be as successful as an HOA would. In the case at hand, the City of Plantation sued the display’s owners and lost. The City filed a nuisance lawsuit based on alleged traffic is-

sues and the judge ruled against the City. Curiously, the nuisance impact on the neighbors was not addressed in that lawsuit. In the end, this case illustrates how a private community could more effectively enforce private restrictions as opposed to relying on municipal Code enforcement. What other advantages can an HOA provide? Residents in an HOA benefit from the services and amenities that sharing expenses can provide, such as security services, recreational amenities like pools, exercise rooms, tennis courts and more. Lastly, highly functioning HOAs can foster a strong neighborhood connection. In the case of the besieged cul-de-sac, that neighborly connection arose not because things were going well but because they were going very wrong.

Charlotte attorney Michael Hunter represents community and condominium associations for the firm of Horack Talley. Email questions to commonelements@horacktalley.com. Not every question receives a reply. Find his blog at CarolinaCommonElements.com.

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Sales: Shea Group Services, LLC DBA Shea Realty (C21630). Construction: Shea Builders, LLC, 68875. This is not an offer of real estate for sale, or a solicitation of an offer to buy, to residents of any state or province in which registration and other legal requirements have not been fullled. Pricing does not include options, elevation, or lot premiums, effective date of publication and subject to change without notice. All square footages and measurements are approximate and subject to change without notice. Trademarks are property of their respective owners. Equal Housing Opportunity. *Price for this home does not include closing costs, application of incentives, includes costs for certain options and upgrades, specic list of which is available at the Sagewood, and is subject to change.

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|home & garden

make your winter landscape bloom by Nancy Brachey

The countdown is on for the end of 2017! And that means time is running out to take vantage of special year-end ﬁnancing at Mr. Rogers Windows. You can choose one of our big discount plans or no down payment and 0% interest for up to 60 months! Hurry! Now is the time to get the highest quality replacement windows, the best-rated professional installation (no sub-contractors) and our exclusive, no-nonsense, lifetime guarantee. You’ll never worry about your windows, patio or entry doors again. Beat the new year price increase. And get an easy payment plan! Call (704) 445-7953 and schedule a free inspection, before this offer ends on 12/30/17.

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any of us who enjoy gardening this time of year don’t especially like cold weather. But we do like winter, for what it brings. And that is a surprising array of flowering shrubs and trees that stand out through winter. Surprising is probably an understatement as these flowers tend to open suddenly. One day a tree such as Okame cherry is quietly bare. The next, pretty pink blossoms start to open. Fortunately, the Piedmont mostly has mild weather through the winter, allowing us the time to savor these blooms outdoors. The leading lights in this lovely drama are, of course, pansies and the well-known camellias, which are beautiful, dependable and so varied that you could devote your entire landscape to these beauties. Tempting as that may be, it would overlook some fine plants.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

Some of the most popular ones advertise their seasonal beauty by having winter in the common name. This includes wintersweet and winter honeysuckle, both of which are good background plants with delicate flowers that are tempting to cut and bring indoors. Winter honeysuckle is not a vine but a big shrub that is best planted in an outof-the way spot, but close enough to notice when the small, white fragrant flowers emerge. Wintersweet grows quite large, possibly to 15 feet over many years, and bears flowers with a sweet to spicy scent from early winter. Witch hazel is another great background plant that produces fragrant, oddly shaped flowers that are typically yellow, orange or reddish orange on a plant that can be called either a large shrub or small tree about 8 feet tall. Flowers open in mid-to-late winter lasting until

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Chestnut at Blowing Rock 364 Chestnut Drive, Blowing Rock, NC 28605 chestnutatblowingrock.com Ashley Hutchens and Jerry Hutchens 828.964.5438 ashley.hutchens@premiersir.com jerry.hutchens@premiersir.com

Jelena witch hazel produces very unusual flowers in winter

spring. The early cherry trees, including Okame and Prunus mume, the Japanese flowering apricot, are so worthwhile and lovely for their early bloom. They are mid-sized ornamental trees that stand out, especially at a time when other trees are still leafless. This is a sight that cannot be overstated for beauty and attracting attention.

Among perennials, certainly the best for winter bloom are the Lenten roses. A marvelous array of hybrids are in the marketplace, offering different colors. These are very longlasting flowers, with lovely flowers on low plants with very nice, deep green foliage. They make great edging plants for flowerbeds or walkways in shade.

Ask Nancy Q: What can I do with a Norfolk Island pine that spent the summer outdoors and is now 8 feet tall? It is too big to bring inside? Will it survive in the garage? I am now thinking of giving it away. A: It may survive in the garage provided it gets some light through a window this winter and does not get hit by a cold blast of air. If you have connections with a school or other institution, ask if it could have a home in the large hall with a high ceiling, where it can be seen and enjoyed for a long time.

UNMATCHED VIEWS. UNPARALELLED LIFESTYLE. Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas. LOCATED ON THE BLUE RIDGE PARKWAY atop the Eastern Continental Divide in the idyllic village of Blowing Rock, North Carolina awaits Chestnut at Blowing Rock – a private enclave of 23 single-story luxury residences surrounded by lush natural scenery, unmatched views and modern conveniences. Redefining luxury living, Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas of Moses Cone Memorial Park and Grandfather Mountain State Park. The quaint and charming shops and restaurants of Main Street are steps from your door. Discover elegant living in a casual setting at Chestnut at Blowing Rock.

Nancy Brachey: nbrachey@charlotteobserver.com Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated.

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C H A R L O T T E

Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!

704-358-5555 www.charlotteobserver.com Real Estate

Mountain Property for Sale

We will not knowingly accept any advertising for Real Estate which is in violation of this law. All persons are hereby informed that all dwelling advertised are available on an equal opportunity basis. If you believe that you may have been discriminated against in connection with the sale, rental or financing of housing, call: The United States Department of Housing and Urban Development (HUD) at 1-800-669-9777.

5BR/LOG HOME/7.1 ACRES W/ VIEWS IN BLUE RIDGE MTNS $349,900 joancollins@graysonmountainrealestat e.com 276-233-5494 BLUE RIDGE PARKWAY ESTATE Laurel Sprgs NC. 22 acres. 3BR/2B home. 40x60 shop. Gazebo. Trails. Direct access. Ponds. WON’T LAST LONG! $659,000 appele@wilkes.net 336-973-8500 FSBO Beech Mountain Lots $10,000$55,000. Estate Sale - 45 Beech Mountain Lots $750,000. Club Memberships Available. Call 843-651-4545

Lots for Sale Many Lots for mobile or modular homes. Some with well and septic. Low DP. EZ terms. Any Size. Bryant Realty 704-567-9836 www.bryantrealty.org

Lake Property for Sale

HUNTING LODGE/ 171 GAME-FILLED AC IN BLUE RIDGE MTNS. ($1.2 MIL) joancollins@graysonmountainrealestat e.com 276-233-5494

East Meck — Rent 2 mi. view of LKN, from a quiet, dead end cove, close to Publix & dining, 0.58 ac, 90 ft waterfront, fenced yd, pier, 3Br/1.5ba, $589k, no agents. 704-742-6668 LAKE KEOWEE, SC - Cliffs community property 5Br/4Ba, gated, 1+acres, deep water, dock w/hydraulic lift, like new, $799,000. 864-270-7050 LAKE WATEREE/LUGOFF side deepwater lot w/elecrical, septic & water on site, dock permit more than 350ft of lake frontage. $158,000 864-270-7050

Mountain Property for Sale

HOUSE FOR RENT. 4216Foxford Pl. BricK/Ranch. 3 Bd & bonus rm for 4th Bd. 1 1/2 Ba.Large Sunroom.Hardwood Floors. Wash/Dryer conn.. Fence back yard. Avail. Imm. Rent $995 704-313-5161.

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YOUR NEW MOUNTAIN HOME A log home in the Powder Horn Mountain gated community, 3BR,3B on 1 acre of forest. Come on up and "sit a spell" to fall in love with the home where I live. $289,000 earl.trotter73@gmail.com 760-405-7373

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Commercial Real Estate for Sale COMMERCIAL REAL ESTATE AUCTION TAYLORSVILLE NC SATURDAY DEC 16TH 12 NOON 636, 668 AND 696 HWY 16 S., TAYLORSVILLE, NC 28681 ALEXANDER COUNTY PID’S: 08911, 07647,08008, 08007 (All Offered as 1 Unit) 5.9+/Acres with 408’ Road Frontage on HWY 16 S. Zoned Business "B2" AuctionZip.com ID=23287 Horace B. York Inc (336-682-1648) HBYorkJr@BellSouth.net NCAL 6191 York Auction & Realty NCAL 952

Commercial Real Estate for Rent/Lease Exit 28 and Hwy 21 Office space, high exposure, 1600sq ft+, new paint, new interior, new carpet. Reduced - $1,600/mo, Lake Norman Realty First 704-578-9610

Rooms for Rent

197 AC. W/ 5000+ FT FRONTAGE ON TROPHY TROUT STREAM-HISTORIC FARM W/ LOG HOME $1,599,999 joancollins@graysonmountainrealestat e.com 276-233-5494

Upcoming Issue Focus Calendar THE UPTOWN WARDS

AFFORDABLE APARTMENTS 2 & 3 Bedrooms starting @ $ 695/mo. Hardwoods, central air, appls, W/D hookup, ceiling fans, gas heat. 2814 Marlowe Ave. 704-393-8047

AFFORD WEEKLY Rental $199+ tax Micro/Fridge, 70+ Channels Fast WiFi, Mrng. Coffee, Maid/Linens Self Laundry Royalinncharlotte.com Bus Rt. 5 (Sprinter)*Call: 704-394-1819

- dedicated to showcasing charlotte’s distinctive homes -

SAT 7

Roommate Wanted AREA 3 Room to Share $450 + Dep. 704-536-3813

Reader Notice - All Real Estate advertised herin is subject to the Federal Fair Housing Act which makes it illegal to indicate any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination.

home design

SAT DECEMBER NOVEMBER 2 THE BUNGALOW ISSUE 9 GASTON COUNTY 16 EQUESTRIAN, FARMS & LAND 23 RISING STARS - TOP 10 30 HIGH COUNTRY NC MTNS C H A R L O T T E

GARDENING.

home design

Charlotte’s Premier Real Estate Publication Viewed by 339,500 Readers Weekly!

- dedicated to showcasing charlotte’s distinctive homes -

You want to know.

1BR/1BA NEAR university area, for single adult, no kids. $450/mo includ. util. 704-288-7596

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

For more information & advertising options, contact Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com

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Mortgage Guide Institution

30 yr APR

The Charlotte Observer

30 yr Fixed

3.755%

Product

Rate

Rate: 3.750

15 yr fixed

3.125 0.000

$295 20% 3.040

Points: 0.000

7/1 yr Arm

3.125 0.000

$295 20% 3.200

704-412-9131

Fees: $295

30 yr jumbo

3.875 0.000

$295 20% 3.905

www.mecklenburgmortgage.com

% Down: 20%

Free Prequalification Letters and Rate Quotes 7 days a week

30yr Fixed

Mecklenburg Mortgage

APR

3.661% APR

3.629% APR

% Down

APR

Phone Number / Website

3.625

0.000

$885 5%

3.550

Points: 0.000

15 yr Fixed

3.125

0.000

$885 5%

3.189

910-332-0650

Fees: $855

10 yr Fixed

3.000

0.000

$885 5%

3.093

www.abbafirst.com

% Down: 5%

Doing business HIS way. No cost option for Conv VA FHA USDA

Rate: 3.625

15 Yr Fixed

2.875 0.000

2.896

Points: 0.000

7/1 Arm

2.875 0.000

2.940

Fees: $0

LOCAL IN CHARLOTTE FOR 30 YEARS! OPEN SATURDAYS! A+ BBB RATING!

% Down: 5%

FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!

NMLS # / License #

NMLS #: 1190352

20 yr Fixed

30yr Fixed

Best Rate Mortgage

Fees

Rate: 3.750

30yr Fixed

ABBA First Mortgage, Inc.

Points

LIC# 161067

NMLS# 74184 LIC# 132884

NMLS #: 103395

704-529-1233 www.bestratemtg.com

Savings Update

How much do I need to open a CD? By Sabrina Karl

If you’ve never opened a certificate of deposit before, you might think CDs are a complex option for investing a large sum of money. While they certainly That’s right. Even if you’re shopping around for a top rate (which you should can be good investments for those with ample cash, you might be surprised always do), you can find plenty of CDs requiring just $500 to open. In fact, how accessible they are to savers with any modest amount to sock away. there are even a good handful of banks – including some large nationals – that require no minimum at all. The minimum requirement to open a CD varies by individual bank or credit union – there is no set standard. And in addition to each institution choos- But small minimums can help robust savers as well. Have $10,000 available ing its own minimum, many offer multiple rate tiers for different investment to deposit? You may be able to earn the same return on two CDs of $5,000 amounts. Generally, the more you can deposit, the higher the rate you’ll or four of $2,500 as you can by lumping it into a single $10,000 certificate. This gives you flexibility to cash out a portion of your CD savings should you earn. unexpectedly need some, but not all, of the funds for an emergency. But putting away more isn’t always necessary to earn the highest rate. Some banks have one across-the-board minimum, and saving more with them One search of the nation’s top rates on any given day will quickly reveal won’t change your rate. It might be $5,000 or $2,500, or even just $500 or there’s no rule of thumb for CD minimums. The only thing you can count on is that good options exist for savers at every level. $1,000. Rate Criteria: The rates and annual percentage rate (APR) are effective as of 12/12/17. All rates, fees and other information are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. The institutions appearing in this table pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $424,101. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insurance. The APR may increase after consummation and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or origination. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, call 773-320-8492.

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LIVE CLASSIC

Concord, North Carolina | premiersir.com/id/3323400 | 704.248.0243

The location, the style, the feeling you get when you walk through the door – every aspect of your home should be a reflection of who you are, where you’ve been and the life you aspire to live. Your best life begins with a home that inspires you. Call us today and let us find your inspiration. 877.539.9865

PremierSothebysRealty.com

Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated. Equal Housing Opportunity. Property information herein is derived from various sources including, but not limited to, county records and multiple listing services, and may include approximations. All information is deemed accurate.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 16, 2017

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