C H A R L O T T E
Real Estate News
home design
page 4
dedicated to showcasing charlotte’s distinctive homes
“Everyone strives to have that perfect property, and this type of construction gets you as close to that as possible.” —Anne Brade, RE/MAX Executive
Custom Charlotte Create your dream home down to the doorknob with custom built - story on page 6
straight talk
design trends
designer spotlight
surprise guest p18
lake oasis p20
Myquillyn Smith “The Nester” p24
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
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Charlotte’s #1 Selling Community HOMES & TOWNHOMES
| $180’s - $300’s | berewick.com
TOWN CENTER NOW OPEN Ryan Homes . Eastwood Homes. Mattamy Homes. DR Horton. Lennar Homes Easy Access off I - 485 on to Exit 4 . Resort-style Amenities
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MODELS OPEN DAILY
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
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JOIN US FOR OUR GRAND
Extended Open House Weekend Saturday, October 14 th | 10 a.m. - 6 p.m. Sunday, October 15 th | 1 p.m. - 6 p.m. Visit our model homes and tour our quick move-in homes.
Anniversary C E L E B R AT I O N Final Weekend to Celebrate!
Our Anniversary. Your Celebration. Bring the celebration home and select from a fabulous selection of move-in-ready homes with special offers. With luxurious features and neighborhoods with spectacular amenities, you are sure to find your dream home perfect for celebrating. Purchase a Quick Move-In Home on a contract signed between September 1, 2017 and October 15, 2017 and closes by December 29, 2017 and receive:
Up to $5,000* Toward Closing Costs When financing with our affiliate lender, CalAtlantic Mortgage and using our preferred closing agent
PLUS
Whirlpool® Washer, Dryer and Refrigerator**
PLUS
Appraisal provided without additional cost***
PLUS
When financing through our affiliate lender, CalAtlantic Mortgage
No deposit on eligible long-term rate locks**** When financing through our affiliate lender, CalAtlantic Mortgage
CalAtlanticHomes.com
Available only on the purchase of a quick move-in home in the Charlotte market which can close by December 29, 2017, when you sign a contract on or between September 1, 2017, and October 15, 2017. Receipt of up to $4500 toward closing costs credit is subject to limits and is contingent upon buyer making loan application with CalAtlantic Mortgage by October 22, 2017 and closing a loan by December 29, 2017 with our affiliated lender, CalAtlantic Mortgage or, where permitted by seller, another seller preferred lender. Receipt of up to $500 of the closing cost credit is subject to limits is contingent upon buyer using Costner Law, Purser and Glenn or Griffin, Brunson and Wood as the closing agent for the transaction. 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. Prices, plans and terms are effective on the date of publication and subject to change without notice. Appliance offer includes the following Whirlpool® products: 4.3-cu ft Top Load Washer – WTW5000DW, 7.0-cu ft Dryer WED5000DW, 25-cu ft Side-by Side Stainless Steel Refrigerator WRS325FDAM. Appliances available only through Seller. Approximate value: $2,500 (includes installation). Availability of models may vary by community. Whirlpool® is a registered mark of Whirlpool U.S.A., is not affiliated with Seller, and does not sponsor, endorse, approve or have any responsibility for this promotional offer. No cost appraisal and no deposits required for eligible long-term rate locks are offered by CalAtlantic Mortgage only for purchases of quick move-in homes pursuant to contracts written 9/1/2017 through 10/15/2017 and upon buyer making loan application with CalAtlantic Mortgage by October 22, 2017. Please see CalAtlantic Mortgage representative for more details. 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 a new home community in North Carolina and South Carolina 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. CACLT345
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|real estate news
what’s new? compiled by Whitney Berongi
CORNHOLE TOURNAMENT SETS NEW RECORD The Pitchin’ for Wishes Cornhole Tourney raised more than $223,000 for MakeA-Wish Central & Western North Carolina on Sept. 16 at Freedom Park. Organized by Andrew Roby, the event celebrated its 10th year and has raised more than $1.4 million for local charities. This year’s event set the record for the most raised during a single event. The money will provide hope, strength and joy for children suffering from life-threatening medical conditions. The average cost to grant a child’s wish through Make-A-Wish Central & Western North Carolina is $6,000. With 136 teams competing, John Lamb and Patrick Sellers prevailed as the 2017 champions in the NCAA bracket-style bag-toss competition. The event also featured food, music, and entertainment. Andrew Roby specializes in new homes and renovations and has grown into the largest custom residential contractor in the region with offices in Charlotte, Raleigh, and Boone, N.C. Andrew Roby is part of the Roby Family of Companies, which also includes Roby Electric, Roby Commercial, Robee handy.man!, Robycross, Roby Realty, and W.H. Hobbs Plumbing. Visit andrewroby.com for more information. LOCAL ANIMAL CHARITIES BENEFIT FROM DAVID WEEKLEY HOMES DOG WASH EVENTS David Weekley Homes hosted two dog wash and adoption events in Charlottearea communities on Saturday, Sept. 23. The events raised nearly $400 in donations to Halfway There Rescue and Catering to Cats and Dogs. Homeowners, team members and visitors brought their dogs to the model homes in Massey
Custom Home Consultant • Builder Resource • Lot Search • Plan/Design Selection • Construction Loan Options • Project Co-ordination • Current Home Preparation for Marketing and Sale
and Parkside at Skybrook North for baths, treats and to meet adoptable rescue pets. In addition to the donated funds, five applications were completed for pet adoptions. The events were an initiative of the company’s CARE program, which is a charitable and volunteer program that partners team members, homeowners, homebuyers and community partners with nonprofits to make a positive impact in the community. For more information about David Weekley Homes in Charlotte, call 800-393-9968 or visit davidweekley.com. MATTAMY HOMES HOSTS PRE-GRAND OPENING AT RIDGEWATER Mattamy Homes is hosting an exclusive pre-grand opening event Saturday, Oct. 14, from 12-4 p.m. at Ridgewater, its newest southwest Charlotte community near the Palisades. The event will include a food truck, fun for the kids and new home designs from the upper $200,000s. Attendees will be among the first to review Mattamy’s new Trademark Series floorplans and learn about its designer homes with luxurious features available for a spring move in. Ridgewater is located at the intersection of Bankhead and McKee roads, off Highway 49. GPS address: 18101 Bankhead Road, Charlotte, NC 28278. For more information, visit mattamyhomes.com/charlotte or contact Online New Home Specialist Katie Whittie at 980-285-2254. LAKE REALTY WELCOMES NEW AGENT Matt Morano has joined Lake Realty as a licensed broker and Realtor in North Carolina. Morano has spent the last 12 years on television providing morning weather forecasts on Spectrum News, formerly Time Warner Cable News. Morano will specialize in working with both buyers and sellers. He lives in the Lake Norman area with his wife, Eloise, who also works as an agent at the firm. They share their home with their retired racing greyhounds. For more information, call 704-582-1314 or visit matt.lakerealty.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.
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
NC Broker/SC Realtor® Helen Adams Realty 2016 Listing leader and Sales leader #1 Sales Leader 2004-2016 Nationally Ranked #1 Customer Service 2007-2016 Best in Charlotte 2007-2016
Cell: 704.267.3643 | Jo@Butterworth.net
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. homedesign@charlotteobserver.com
facebook.com/TheCharlotteObserverHomeDesign *Copyright 2017 by The Charlotte Observer. All rights reserved. No part of this publication may be reproduced or reprinted without written permission.
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Building a new home? You pick out the fixtures. We’ll take care of the loan.
Our construction mortgage1 is a one-stop shop for financing your new home. Take advantage of these great features and benefits:
To learn more, call me today.
• Save thousands with a one-time closing2
Donna Schermerhorn
• Lock in your interest rate at the start of construction • Flexible down payment options • Available for 30-year fixed mortgages
1
Mortgage Loan Officer NMLS ID#: 546565 1-704-578-1294 donna.schermerhorn@td.com tdbank.com/donnaschermerhorn
Available in all states TD Bank operates. | 2Save in comparison to construction mortgages that require two closings. TD Bank, N.A. | Loans subject to credit approval | Equal Housing Lender
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|living in custom homes DID YOU KNOW?
Photo courtesy of Leeward Builders-Joe Purvis
Photo courtesy of Mills Eloge Homes
Choosing brass doorknobs is key for a healthier home. The ions in this metal have a toxic effect on spores, fungi, viruses and other germs— meaning it literally disinfects itself.
Create your dream home down to the doorknob with custom built EAT Chopt Creative Salad Co. Custom build your own salad creation or order from this popular Myers Park fast-casual restaurant’s signature menu to create a one-of-a-kind lunch sure to satisfy any craving healthfully.
choptsalad.com
PLAY Charlotte Parade of Homes Use the “Build Your Tour” option to plan a totally unique Parade of Homes route and discover new homes on the market, fullydecorated model homes open for touring, and communities available for building.
paradeofhomescharlotte.com
EXPLORE High Point Fall Market Don’t miss the largest furnishings industry trade show in the world running Oct. 1418 in High Point, N.C., to see the hottest upcoming home trends, meet with designers and architects, and browse showrooms from more than 2,000 exhibitors.
highpointmarket.org
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by Julie Cooper
C
harlotte is home to more than 800,000 residents and counting. With folks across the country looking to make this major U.S. financial hub a home, it comes as no surprise that many economists believe the population will shoot up to well over 2.8 million by 2025. What is surprising, however, is the number of mass-produced neighborhoods meant to house this population that’s anything but cookie cutter. That’s where custom builds step in and stand out as more than a house with four walls and a roof—instead, they’re masterpieces of quality construction and design as unique as the people who call them home. “A custom home is not just a home plopped on a lot like a production home,” says Anne Brade with Team Brade at RE/MAX Executive. “It’s a home in concert with the land where the land and home become very synergistic.” Building a home to marry the lot perfectly is a key attraction to those looking for custom homes. “Custom builds allow the owner to design a very relevant home related to views, topography and in honor with the land,” says Brade. “They can, within their budget, get exactly what they want.”
Which, of course, translates to inside the home as well. “A custom home allows the owner to specify where they want all their living functionality to be and to have only those functions they need,” she says. “Everyone strives to have that perfect property, and this type of construction gets you as close to that as possible.” Adam Nessen with Leeward Builders—a boutique builder of luxury homes—adds that beyond functionality, a custom-built home often becomes an extension of the people who will live in it. “By doing a custom build, homeowners can feel free to design around a piece of heirloom furniture or integrate building materials from an ancestral home,” he says. “What starts out as ideas, memories, and creative energy—with each step more invigorating than the last—results in a real-life dream home.” With different levels of custom design, building this dream home doesn’t have to be daunting. “There are some we call complete custom where everything is thought of and unique down to the doorknob,” says Brade. “And then you have entrylevel custom like I represent with Arthur Rutenberg Homes that has a complete design center and more than 100 floor plans that can be
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customized to fit your lot.” So whether the homeowner fancies building a custom home on the lake, the golf course, a high acreage parcel, or a tiny infill lot, there’s a builder for that. “We highly recommend you interview at least two or three builders,” says Brade. “There are builders that specialize in certain geography, and it’s important to shop around to make sure you’re getting exactly what you want.” And with technological advances, a custom home can even end up saving some green in the long run. “Anything from energy efficient homes to green building can be explored,” says Nessen. “Smart homes can save you money, keep you safe, and save energy. There are more opportunities than ever thanks to the latest trends and technology.” According to Brade, the market is robust and it’s only getting stronger, making it a great time to choose custom. “Most of our customs here in the Charlotte area typically start in the low $200s per square foot,” she said. “You can have a $13,000 Electrolux appliance package or a $30,000-plus Thermador package. You can have multiple kitchens. You can literally have everything you want with a custom home.”
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Boutique Custom Builder | Wendover Hill | Quiet Cul-De-Sac
Custom New Construction | Wendover Hill | 10 Minutes from Uptown
241 Cape August Place, Belmont, NC 28012 Price: $1,250,000 MLS: 3125483 Listing Agent: Anne Brade, RE/MAX Executive, 704-650-4951, anne@ annebrade.com
Lake Wylie Waterfront ~ McLean ~ Belmont, NC
Nearly Complete
Carefully tailored custom new construction waterfront home, picturesque lot with sandy beach. Tucked among rolling hills, home features open walk-out loggia, a luxury master suite with 180-degree water views. One-of-kind Harry Schrader proposed lake dream home on dockable lot. McLean South Shore, Lake Wylie in Belmont, N.C., Charlotte’s last great waterfront new custom home setting. McLean boasts five miles of shoreline, 10 miles of trails, an easy commute to Charlotte, is minutes to Belmont, and is next door to Daniel Stowe Botanical Garden.
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Lake Wylie Waterfront ~ McLean ~ Belmont, NC
Anne Brade NC/SC Broker Realtor, ABR, CRS, CLHMS
(704) 650-4951 Anne@AnneBrade.com www.TeamBrade.com
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|living in custom homes 810 Judith Court, Charlotte, NC 28211 Price: $1,050,000 MLS: 3324557 Listing Agent: Jimmy Rountree, 704608-8656, jrountree@dickensmitchener. com; Sharon Rountree, 704-608-0448, srountree@dickensmitchener.com; Wonderful open floor plan with all that new construction offers. Beautiful kitchen with lovely painted custom cabinetry, high-end stainless steel appliances, an ice maker, honed quartz countertops and opens to family room. Butler’s pantry with wine/ beverage cooler convenient to dining room and kitchen. Main-level master bedroom with huge professionally organized closet and beautiful bath. Side entrance, mudroom and laundry. Covered rear porch, two-car detached garage.
5416 Closeburn Rd, Charlotte, NC 28270 Price: $898,000 MLS: 3315255 Listing Agent: Joan Goode, Dickens Mitchener & Associates, 704-953-3035, jgoode@dickensmitchener.com Amazing SouthPark location. This gorgeous new construction features an open floor plan, elegant hardwood floors, and plenty of natural light. The gourmet kitchen opens to the family room, and all bedrooms feature a private bath. On the third floor, you’ll find an extra-large bonus room. The home backs to tree area for extra privacy.
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Discover Your Dream Custom Built Home... Contact Joan or Lisa for more details on these exclusive listings today!
5416 Closeburn Road | Charlotte, NC 28210 $898,000 | 4 Bed/4.1 Bath | MLS# 3315255
4823 Camilla Drive | Charlotte, NC 28226 $1,695,000 | 5 Bed/6.2 Bath | MLS# 3307238
Amazing SouthPark location! This gorgeous new construction features an open floor plan, elegant hardwood floors and plenty of natural light. The home backs up to tree save area for extra privacy.
Tranquility nestled in an in-town setting meets sleek modern design with nearly 7000 square feet of living space with modern kitchen, large balconies & deck on second levels, peaceful water feature & koi pond. Perfect for entertaining!
1028 Seminole Drive #56 | Marvin, NC 28173 $845,000 | 5 Bed/4.3 Bath | MLS# 3312045
2232 La Maison Drive | Charlotte, NC 28226 $1,495,000 | 5 Bed/4.1 Bath | MLS# 3284700
Welcome to your dream Firethorne Country Club golf course estate. Open floor plan with gourmet kitchen, formal dining & living rooms with extensive mill-work. Screened in porch, mature trees, 3-car garage, this home has it all!
Tucked in the gated community of Courance just behind Pellyn Wood sits a hidden treasure! Beautiful details and remarkable construction define this exquisite residence featuring a gourmet kitchen, master on main, fabulous outdoor entertaining area with fireplace. Unique and elegant architectural features are endless.
JOAN GOODE REALTORÂŽ/Broker in NC & SC 704.953.3035 jgoode@dickensmitchener.com
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LISA WHETSTONE REALTORÂŽ/Broker 704.607.9619 lwhetstone@dickensmitchener.com
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EXPERIENCE • INTEGRITY • RESULTS {ElizabEth Grillo
{bobby SiSk
ownEr/brokEr/rEaltor®
brokEr/rEaltor®
704.649.2491
704.819.0710
EGrillo@EGrEalEStatEConSultantS.Com
bSiSk@EGrEalEStatEConSultantS.Com
1810 E. 7th StrEEt, CharlottE, NC 28204 | 704.333.2260 | www.EGREALESTATECONSULTANTS.COM
O P E N H O U S E S S AT U R DAY & S U N DAY
OPEN HOUSE SATURDAY 12-2PM OPEN HOUSE SATURDAY 12-2PM MIDWOOD: 1604 Matheson Avenue. MIDWOOD: 1608 Matheson Avenue. Quality new construction in Plaza Midwood. New construction with side-load 2-car garage. 4 beds, 5 bedrooms, 4 baths, garage & large fenced, 3 baths & fully fenced sodded yard. Large kitchen, sodded backyard. Offered at $615,000. wet bar & hardwood throughout. Offered at $605,000.
4227 Raney Way, Charlotte, NC 28205 Price: $595,000 MLS: 3326805 Listing Agent: Bobby Sisk, EG Real Estate Consultants, 704-819-0710, bsisk@egrealestateconsultants.com
OPEN HOUSE SATURDAY 12-2PM MIDWOOD: 1825 Truman Road.
OPEN HOUSE SATURDAY 12-2PM LOCKWOOD: 309 Keswick Avenue.
4br, 2.5 baths. Brick Craftsman built in 2013 Extra large Garage on .32 acre lot. $694,000.
20 blocks from Center City. 3br, 2 baths. Renovated Bungalow. $349,000.
OPEN HOUSE SATURDAY AND SUNDAY 3-5PM NEW LISTING IN OAKHURST
One-of-a-kind modern new construction with a distinctively midcentury flair. An aesthetic mixture of poured concrete, cedar, metal, and perfectly placed windows/doors, there are “WOW” vistas at every turn. Open entertaining spaces with polished concrete floors, custom cabinetry, and designer lighting. Spacious owner’s suite with dual closets, floating vanity, oversized shower with translucent glass, and private cantilevered balcony. Deep, .48 lot. Great location in booming Oakhurst, just 10 minutes to Uptown.
Custom-built new construction with modern/mid-century style. 10 minutes to Uptown. 2649 square feet. 4227 Raney Way, Charlotte. Offered at $595,000.
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$18,000,000 Cindy Barnes Over in sales in 2016 (704) 367-7203
Great opportunity! 2900+ sq ft home in prestigious Quail Fresh, bright SouthPark townhome w/2 BDRMS’s plus flexroom. Modern kitchen, pretty courtyard, Hollow. Classic, yet modern, with the updates you want! spacious rooms throughout. 8300 Merrimack Court - MLS# 3322452 - $650,000 3522 Kylemore Court - MLS# 3313519 - $375,000
NEW LISTING
Ronda Avenue MLS# 3264020 | $100,000
NEW PRICE Builder opportunity in popular Stonehaven! Terrific value in Ballantyne. Spacious home w/5BDRMs, 3BAs, pretty pool. Near 485 & light rail. 14725 Bridle Trace Ln. - MLS# 3328114 - $325,000
Large lot, ideal for basement
Considering downsizing? Overwhelmed? If you need a place to start, call me for a practical, step-by-step approach.
8300 Merrimack Court, Charlotte, NC 28210 Price: $650,000 MLS: 3322452 Listing Agent: Cindy Barnes, Allen Tate Realtors, 704-367-7203, cindy.barnes@allentate.com Entry price or downsizing home in prestigious Quail Hollow. Modern take on classic style. Beautiful entertaining space flows into open kitchen, breakfast, and family room. Updated kitchen with light cabinets, granite, backsplash, and new stainless appliances. Breakfast and family room open to pretty enclosed courtyard. Large first-floor master with updated bathroom. Second floor with two additional bedrooms and pretty bathroom with new tile floor. Bonus space: huge walk-in attic for storage or expansion. Great SouthPark lifestyle.
HAND IT OVER Cindy.Barnes@allentate.com 12P
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living in custom homes| 2122 Vernon Drive, Charlotte, NC 28211 Price: $1,350,000 MLS: 3320940 Listing Agent: Ellen Smith, Banister Homes, 704-293-6638, ellen@banisterhomes.com This lovely infill home offers approximately 4,700 square feet of heated space with another several hundred under roof with walk-up storage above garage and a wonderful rear covered porch. Beautiful open spaces are perfect for entertaining with a large dining room off the formal foyer, great room with fireplace, and custom kitchen with dual SubZero fridge/freezer, Wolf range, and high-end appliances. The main floor has two home offices and one of the home’s two master suites. Upstairs is a second, larger master suite, plus three bedrooms with private or jack/jill baths. Third floor houses a large dual-use bonus room/exercise room and home theater. Built in 2014.
Custom Homes
Additions-Renovations
Green Building
When it’s time to build a custom home, it’s important to align yourself with a construction firm that can take the project from a concept on paper to reality. Banister Homes has the team in place to establish a scope of work, budget, plan, build, & complete an extensive project on time & within budget.
Banister Homes specializes in new homes & dramatic renovations within Charlotte’s historic neighborhoods. We take pride in projects that fit seamlessly into classic communities while keeping the modern conveniences in mind as well.
Banister Homes completed the first LEED for Homes property in Charlotte & that dedication remains in foresight today. Our firm has built third-party certified green homes under the NC State University Solar Center Healthy Built Homes program, the EarthCraft House program, & has a LEED Accredited Professional on staff.
Charlotte’s Premier Green Builder
Connect with Us www.BanisterHomes.com
704.634.4667 EMAIL: Kathy@BanisterHomes.com PHONE:
FOLLOW US:
2128 Vernon Drive. Charlotte, NC 28211
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CUSTOM TO BUILD
CUSTOM TO BUILD
13424 SAGE THRASHER Time to build your dream estate on 9.4 waterfront acres on Lake Wylie in The Sanctuary. Impressive architectural features. $2,121,450
5587 RIVERFRONT RD, LAKE WYLIE Build this pretty cottage to your specifications on this shady Lake Wyie waterfront lot with dock. $600,000
NEW CONSTRUCTION
OPEN HOUSE SAT 2-4
WELCOME TO THE ESTATES AT GLENMOOR, HISTORIC YORK. THESE ARE THE LAST ONES!!!!!!! 3128 GLENMOOR - 1 acre cul-de-sac lot backs up to woods, master main 3200 sq ft. $309,000. 3120 GLENMOOR - awesome master on main plan $325,000. 3121 GLENMOOR - Cottage style, master main $310,000.
OPEN HOUSE SAT 2-4
3923 MARTELE DR. MINT HILL 2 year young all brick 4BR w/chef’s kitchen, screened porch, fenced yard. $350,000
224 CURRENCE RD CLOVER Country Estate on 9.7 acres with pond! 2 yrs young with amazing 3+ vehicle workshop! $550.000
OPEN HOUSE SAT 2-4
Robin Knows Dirt • 1581 Dan Sexton, Sharon Go Country on 94.3 rolling acres w/amazing views, several homesites $265,000 • 660 Briarwood in Lake Wylie’s Clarendon Estates & Clover Schools 1 AC lot $49,000 • 208 Highland Forest Dr. in Clover’s Patrick Place .53 AC $47,000 • 1280 Parsons Rd Discover historic McConnells SC! Private 30 acre wooded lot $150,000 • Georgeous waterfront 2.83 acre lot Mountain Lakes in Chester $47,900 • Gorgeous pasture land Charlotte Hwy York - 9 acres $162,000, 5 acres $92,000 • 2037 Connor Rd, Chester 5.51 fenced acres w/mobile home, storage buildings $75,000 • Rambler Ln Blacksburg 10 building lots, all wooded 1-2 acres between Charlotte and Spartanburg close to I-85 $13,000 each • 17 beautiful acres for your dream home Moffit Creek, Chester $61,200
5084 STEELE VILLAGE, ROCK HILL Nature meets architecture in this Frank Lloyd Wright 48 mostly wooded acres. $450,000
Charity Corner JOIN US SAT OCT 28TH Clover's Memorial Stadium
1907 KAILUA CIRCLE Tega Cay waterfront ranch with full basement, dock, Views from every room New kitchen! $510,000
13424 Sage Thrasher Ln, Charlotte, NC 28278 Price: $2,121,450 MLS: 3293270 Listing Agent: Robin King, Allen Tate Realtors, 803-526-1225, robin.king@ allentate.com It’s time to build your dream estate with Simonini Homes on 9.4 waterfront acres on Lake Wylie in The Sanctuary, Charlotte’s exclusive waterfront community. Impressive architectural features, and a chef’s kitchen to inspire are the cornerstones of this elegant plan. Customize with the Simonini Team, four generations of building experience with impeccable customer service. You can even pick another plan. Pier permit on file.
928 KNIGHTSBRIDGE IN FT. MILL just 15 min. to Uptown. New laminate wood floors, lovely yard. $240,000
WATCH VIDEOS FOR ALL THESE HOMES ON
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living in custom homes| 3133 Sunset Drive, Charlotte, NC 28209 Price: $1,240,000 MLS: 3322211 Listing Agent: Geoff Eloge, Richard Pearsall Real Estate, 704-641-5004, geoff@ millseloge.com One of two new construction opportunities on Sunset Drive—one of the best streets in Sedgefield. Home to be built by Mills Eloge Homes. Perfect for buyers looking for a custom home but prefer not to start from scratch. Home features a main-level master bedroom, a second master upstairs, large kitchen, and open family room, 48-inch range, SubZero refrigerator, outdoor living, detached garage, and sitting front porch. Check out the CMS website for details on the new school assignments.
The Art of Homebuilding
BEGINS HERE MILLS¡ELOGE H O M E S Sedgefield 3133 Sunset Drive
Roger Mills and Geoff Eloge are transforming the often frustrating process of homebuilding. Mills Eloge Homes offers a turn-key approach that includes procuring land, designing to a budget, and crafting a home that will last. By combining our broad wealth of knowledge and experience with the latest technology, we enhance communication, educate the client, and create a collaborative atmosphere. Mills Eloge also values the opportunity to execute plans born of the creative partnership between homeowner and architect.
Sedgefield 3156 Sunset Drive
- Homeowner Projects - Consulting Services - Development AN INTELLIGENT APPROACH to design and construction of high quality luxury homes and renovations.
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|living in custom homes 1420 Saratoga Woods Drive, Waxhaw, NC 28173 Price: $4,125,000 MLS: 3299627 Listing Agent: Matthew Paul Brown, Reside Realty, 704-650-1928, residecharlotte@gmail.com Set on six peaceful acres amid nature’s beauty, this sophisticated residence offers true craftsmanship. Introduced by an elegant foyer, the main level boasts an abundance of entertaining space. A gourmet kitchen provides an open-concept to the keeping room and breakfast area with windows inviting the outside in. Terrace areas afford views of the extraordinary pool and lush landscaping. Meticulously maintained by the sellers, this is the perfect home. Incredible.
9006 Pine Laurel Drive, Matthews, NC 28104 Price: $985,000 MLS: 3325714 Listing Agent: Mega Barlow, Reside Realty, 704-607-4490, megan@residerealty.com Stunning custom build by Ken Dowd in Highgate. You’ll be amazed by the thoughtful details. Large kitchen with stainless steel appliances, two islands, and a walk-in pantry. Beautiful eat-in kitchen with exposed brick. Master bedroom with fireplace and luxurious closet offers privacy and relaxation. Large great room with gas fireplace looks out to the beautiful backyard retreat. Amazing saltwater pool and hot tub surrounded by cabana and outdoor kitchen/fireplace. You will feel like you are in your own private resort.
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
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|straight talk
surprise guest A furry critter has taken up residence in an old bluebird box
by Allen Norwood
T
he bluebirds came and went. I cleaned the old nesting material from the bluebird box, then checked the box from time to time to see if a new family of birds had moved in. When I peeked in a while back, the box was full of fresh nesting material. I knew the guest wasn’t a bird, though, because I could see a pink nose and rodent incisors. I tugged gently at the nest—and something peeked back at me. The face seemed to be all eyes. They were big, round, wide open—plainly the eyes of a nocturnal animal wakened from its daytime nap. If you’ve ever encountered one, you’ll know our new guest is a flying squirrel. I’ve only seen a few in all my years roaming the Piedmont woods, but experts say there are plenty in the Charlotte area. The range of the southern flying squirrel extends from the Gulf
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coast up into Canada. We don’t see more of them because, indeed, they’re exclusively nocturnal. They’re not as destructive as gray squirrels, says Allen Eckman of A-1 Wildlife Control, but they might try to sneak into your attic when the weather cools. They’re social animals and might nest in large groups, in hollow trees or in your attic. They occasionally chew on wires or water lines, Eckman says, but the biggest problem is they urinate and defecate in your attic. When John Fox was coach of the Carolina Panthers, Fox called Eckman to report flying squirrels in his attic in Piper Glen. “We watched a squirrel jump out of the louvers on Coach Fox’s house,” Eckman says, “and fly down to a bluebird house.” Which brings us to a couple of tidbits
about flying squirrels: – They don’t really fly. They glide, by stretching out the parachute-like skin between their front legs and back legs. That membrane is called the patagium. – They can make 180-degree turns while gliding. They can glide hundreds of feet, but usually travel 20 to 30 feet. – Unlike gray squirrels, which bring acorns and hickory nuts up to your deck and scatter bits and pieces all over, flying squirrels chew a single hole in the shell to reach the meat inside. They’re omnivores, and even eat slugs and snails. Flying squirrels adapt well to suburban areas, according to Lenny Lampel, natural resources coordinator for Mecklenburg County Park and Recreation. (Coach Fox would probably agree.) They’re also found in such county parks as McDowell, Latta Plantation, and
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
Reedy Creek. You might be lucky enough to see one if you take part in nighttime nature excursions in one of the parks. The parks host what they call “moth nights,” Lampel says. Excursion leaders brush special bait onto trees to attract moths and other fun insects. The concoction can include brown sugar, molasses, and beer. “One night in July a flying squirrel showed up,” he says. You also might try this trick that Lampel has heard others swear by: “If you see a tree with a den cavity, knock on the tree. Flying squirrels are curious, and they’ll poke their heads out to see what’s going on.” I’m not going to knock on the bluebird house. I’ll let our little guest catch up on its sleep. H|D
Allen Norwood: homeinfo@charter.net
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Judy Collins • 912.507.4666
350 Bamberg Drive, SC • $1,749,000 With 7,711 Sq. Ft., 4/5 BR’s including 2 master suites with river view balconies, chef ’s kitchen, custom office, numerous gathering spaces, 3 floor elevator and a double curved staircase leading to the 3rd floor skyview room.
10 Berkeley Court, SC • $799,900 This 4,221 Sq. Ft. custom design with architectural innovation and walls of windows that capture sweeping views of the golf course and a lake brimming with life.
Eileen Smith • 843.422.5120
21 Greeters Lane, SC • $849,000 3,318 Sq. Ft. of main level living, 2 BR en-suite’s, sumptuous master suite with access to a screened porch with Lowcountry swing bed. A must see!
15 Forest Beach Drive, SC • $1,679,000 This 7 BR, 5.5 BA rental wonder has an over sized eat-in kitchen, separate dining room with wet bar and numerous entertaining areas to accommodate large groups of guests. A veranda perfect for lounging and enjoying beach life!
23 Carrier Bluff, SC • $1,169,000
21 Carrier Bluff, SC • $1,185,000
With Master Suite on the main level, this open floor plan includes inviting entrance, expansive gathering room opens to the designer kitchen/dining room, upstairs den with views of the Okatie River and 2 guest ensuites.
A custom charleston design with upper level rocking chair porch and spacious screened porch with fireplace, 3,695 Sq. Ft. includes an amazing kitchen, combination family room/dining room and office with sweeping water and golf views.
Judy Collins • 912.507.4666
68 Gilded Street, SC • $499,900
39 Old Oak Road, SC • $1,969,000
22 Duck Hawk Road, SC • $4,449,000
This 1,267 Sq. Ft. retreat was built in 2015 and designed for easy living with an open floor plan and comfortable design. The second floor main level living area has amazing kitchen space with Bosch appliances, marble counters, breakfast bar dining with possibility for 6 seats and opens to the family room.
With 5,561 Sq. Ft. including the guest cottage and separate theater room/guest en-suite above the garage, 5 BR, 5.1 BA, designer kitchen, great room with reclaimed wood beams and knotty pine cathedral ceiling with access to side screened porch and open back porch with views of a tidal marsh, lake and golf.
With four or five bedrooms, four and one half baths, a chef ’s dream kitchen, den, family room, second floor sun room, screened porch and upgrades surpassing expectation, this home is completely furnished and move in ready.
celiadunnsir.com homes.charlo+e.com
Savannah Office • 17 West Charlton Street • Savannah, GA • 912.234.3323 Bluffton Office • 52 Calhoun Street • Bluffton, SC • 843.836.3900
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Each Office is Independently Owned and Operated.
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|design trends
Lake Oasis With a chic, kid-friendly design that leverages stunning views, Charlotte-area designer Lauren Clement turned one family’s dream of a lakefront escape into reality
Photos courtesy of Lauren Nicole Designs
by Emily Gunn
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
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C
lose your eyes for a moment and imagine a lake oasis: a modern-day lakefront escape complete with a yoga room, expansive porch, and beautiful rustic furniture made to withstand the messy whims of toddlers. Lauren Nicole Clement of Lauren Nicole Designs helped turn this tranquil vision into a reality, creating a living area that is as inviting as it is beautiful. Clement says her clients previously lived in Dilworth where the husband commuted an hour each day out to the Lake Norman area for work. When they decided to move, they wanted to create a space that could be an oasis for the entire family. With three kids under five years old and a large black lab, it needed to be a durable oasis—one that could withstand the wear and tear of their children and dog. They also wanted the furnishings to highlight the beautiful lake views, allowing them to enjoy the considerable natural beauty without distractions. With these parameters in mind, Clement stepped in to work her magic. ENHANCING THE VIEW One of Clement’s first ideas for the living
room was to purchase chairs that would swivel, so they could face both the living room hearth and then turn to take in the gorgeous lake view. She found two gray swivel chairs in ultra-velvet that were kid-friendly and stain-resistant. These velvet chairs have a light, chic look that is still inviting—a balance the family was trying to strike throughout the home. The client has told Clement they now sit in those chairs and face the back porch every single day, making them perfect anchor pieces for both beauty and practicality. In general, Clement wanted there to be plenty of seating facing the outdoor view. For the breakfast nook, she put as many seats as she could around a large, rustic table. Clement says her client wanted a beautiful, rustic table the kids could “beat up with forks” but still wouldn’t look abused and could withstand the test of time. She finished the room with an aged brass light fixture that offers enough substance to look good in the room, but not so much that it detracts from the focal point— the breathtaking view outside. Clement says if you stand on the porch and look inside into the
Chestnut at Blowing Rock 364 Chestnut Drive Blowing Rock, North Carolina 28605
chestnutatblowingrock.com Ashley Hutchens and Jerry Hutchens 828.964.5438 ashley.hutchens@premiersir.com jerry.hutchens@premiersir.com
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 minutes from your doorstep. Discover elegant living in a casual setting at Chestnut at Blowing Rock.
UNMATCHED VIEWS. UNPARALLELED LIFESTYLE. Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas.
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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breakfast nook, you get a cool view directly through the center of the fixture. It looks good from every angle, she says. Unlike designing for homes in the city, where privacy from nearby neighbors is often a main concern, Clement wanted the home to open up as much as possible to the lake view. Still, the clients also needed window treatments to block out the considerable sunlight when they desired (what’s an oasis without the occasional afternoon nap?). Roman shades offered the ability to easily open up to the view, but also close out the direct sunlight. Functional window treatments provide the clients with the best of both worlds. COLOR CHOICES For the dining room, Clement says they chose a lighter gray wood for the table, contrasting nicely with the dark hardwood floors. The light color made the table feel slightly more casual and welcoming since the clients wanted a dining room they would actually use—one that would be dressy but not intimidating. Although a lot of the home’s colors
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
are calming and neutral, Clement included a few bright pops of color and carried navy throughout for a slightly nautical feel. She says the clients wanted the home to feel like a lake house—but without a blatant oar hanging on the wall. STUCK ON SHELVES Shelves can sometimes present the biggest design challenge, says Clement. She doesn’t want to simply stock them herself with decorative elements and then leave clients to feel like the shelves are impersonal. Shelves can also be difficult because they require so many considerations—number of elements, height of items, scale, proportion, etc. Decorating shelves can feel like solving a delicate and elusive equation. To solve this problem, Clement almost always allows herself a few rounds of decorating shelves, and a chance to step back and determine what is still needed. What she ended up with was a lovely dual focal point for the room, complete with personalized items that made the family feel at home. After all, it’s their oasis to enjoy from now until forever.
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|designer spotlight
Myquillyn Smith“The Nester” by Bethany E. Starin
Best-selling design author and blogger Myquillyn Smith dubs herself “The Nester” for obvious reasons—for one, she jokes that her first name is unpronounceable. Smith coaches Charlottearea home lovers and beyond, through her Cozy Minimalist class, how to style their homes with this mantra: It doesn’t have to be perfect to be beautiful. This is also the theme of her blog and book, The Nesting Place. Smith welcomes everyone and anyone to her home Oct. 21 for Nest Fest, a daylong event featuring local designers, authors, food trucks, and more. Q: What first got you into design? A: “It all started with my Barbies. My sister was so mad— she was the storyteller and wanted to play Barbies, but all I wanted to do was to make Barbie rooms. Then, I really got into decorating my room—but not with money. I pressed flowers from our yard and used hairspray to adhere them to the doorway. I hung Banana Republic bags up on my wall. That creativity was where it started.” Q: How did your hobby turn into a passion and then a career? A:“I don’t even refer to myself as a designer. I studied elementary education, then got engaged, moved to Florida and started design school. I loved it—except for one thing. I am an introvert. I loved the work and felt like I had good advice but going into people’s homes and giving them feedback felt uncomfortable. I had a longing to be creative and the Internet helped me to do that. Ten years ago, I started my blog, on October 31,
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“
MY JOB IS BEING A COACH, AN ENCOURAGER. I LOVE WHEN WOMEN LOVE THEIR HOMES. I DON’T CARE IF IT BREAKS EVERY RULE OR HOW IT LOOKS. IT DOES NOT HAVE TO BE PERFECT TO BE BEAUTIFUL.”
2007. The stars really aligned and I was in the right place at the right time—it took off really quickly.” Q: If you don’t call yourself a designer, what do you call yourself? A: “I call myself an imperfectionist. I call myself a cozy minimalist. My job is being a coach, an encourager. I love when women love their homes. I don’t care if it breaks every rule or how it looks. It does not have to be perfect to be beautiful. I love teaching this. The fact that I’m not a traditional designer with a design degree actually makes what I do feel more accessible. I hope in a tiny way, my ideas seem like one mom encouraging another that she can make her home pretty. No special skills required.” Q: How do you encourage those in your class to figure out what style they love? A: “The way to love your home doesn’t start in the furniture store. It starts in your head, in your heart.
Beauty is important. There are some universal rules that can apply to everyone, but I suggest creating a Pinterest board and pin with abandon—not thinking about your mother-in-law’s opinions or what your husband likes or what you can afford. Pin whatever you love. And then start making decisions.” Q: You are a best-selling author of The Nesting Place—what is your next book in the works? A: “My second book is The Cozy Minimalist, which is my take on minimalism—more style with less stuff. I used to have a really negative connotation with it, but it’s important to incorporate being a minimalist in some areas and to have abundance in others to keep that cozy feeling. If you love fluffy pillows, have them—but have a clean coffee table with one plant on it.”
To learn more about Smith or the Cozy Minimalist Course, go to thenester.com or follower her on instagram @thenester. For information on Nest Fest, go to thenester.com/fest17.
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Five of Myquillyn’s musthaves for artistic inspiration: 1. The Depot at Gibson Mill “Some people need a walk in nature to clear their head, and I need a walk in The Depot—with or without my wallet. It’s so inspiring! The booth owners curate their spaces and do a really good job telling a story. I love looking for big items, items that no one else has.”
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3. Nest Fest “Nest Fest is my way to be hospitable, to support local artists, to offer people something to take home to make their homes beautiful. I don’t want people to come and leave—I want them to stay awhile. Get fudge from the fudge lady and sit and listen to live music and look at all the beauty from the 45-plus vendors.”
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4. Music by Jess Ray “Jess Ray’s music is like a vacation for the soul with simple, truthfilled lyrics that remind me of my place in this world.” 5. Instagram “Instagram has no gate keepers. Anyone can share photos, and my favorites are usually from everyday people sharing their creative side.”
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*Up to 25% discount applied by retailer representative at time of contract execution and will vary based on number of windows and/or doors purchased. **0% financing available to well qualified buyers on approved credit only. Not all customers may qualify. Higher rates apply for customers with lower credit rating. Promotional offer and financing not valid with other offers, prior purchases or project estimates. Interest accrues during the promotional period but all interest is waived if the purchase amount is paid in full within 12 months. Renewal by Andersen retailers are independently owned and operated retailers, and are neither brokers nor lenders. Any finance terms advertised are estimates only, and all financing is provided by third party lenders unaffiliated with Renewal by Andersen retailers, under terms and conditions arranged directly between the customer and such lender, all subject to credit requirements. Renewal by Andersen retailers do not assist with, counsel or negotiate financing, other than providing customers an introduction to lenders interested in financing. “Renewal by Andersen” and all other marks where denoted are marks of Andersen Corporation. ©2017 Andersen Corporation. All rights reserved.
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Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!
704-358-5555 www.charlotteobserver.com Real Estate
Beach Property for Sale
2-STORY BEAUTIFUL HOUSE IN HUNTERSVILLE, NC $1,650 4br 2.5bths NO PETS or SMOKING allowed. 201-650-9595
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. 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.
Apartments for Rent AMAZING 2.5 ACRE TOPSAIL WATERFRONT Huge Saltwater shoreline w/ multiple dock locations & short boat ride to Ocean. Ready to build & enjoy! Sacrifice Price $39,000 Must Go 252-558-0026
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.
Open Houses For Sale 7545 VALLEYBROOK DR Open House Sunday 1 to 4 Country living in the city. Over 10,000 sq ft home with 5+ Br. private lot 3.2 acres European inspired 9 yr old executive living. Priced well below replacement $100,095,000 bunny@oldcaarolinaproperties.com 704 -661-2602
OPEN HOUSE: SUN 10/15, 1-3 P 1601 EMERALD LAKE DRIVE, MATTHEWS NC 28104 (UNION CO) $409,900 Custom Brick Open Plan 4/3.1 For Sale By: lmannis@highgarden.com 980-318-9411
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 RESIDENTIAL LOT IN ELIZABETH 2223 Greenway Ave. Flat lot on quiet street. Approx 150’ x 75’ (.26 acre) $550k Char-Meck Parcel #12704204 greenwaylot@gmail.com 508-380-4785
Lake Norman — Rent
TERRIFIC 2.5 ACRE Topsail Waterfront Getaway! Private shoreline saltwater estate with deep water dock & huge intra coastal waterway views! 250ft on beautiful New Topsail Creek! SACRIFICE $40,000 Call 910-864-1212
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
Rooms for Rent
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
Farms/Acreage
Mountain Property for Sale
AUCTION-OCT. 21 10AM FANTASTIC FURNISHED HOME -8 ACRES/ PIEDMONT VIEWS, FANCY GAP, VA. OPEN HOUSE OCT.1, 2-4. 695 Morning Side Trail, Fancy Gap, Va. aldermanauction.com 276-236-3335 ALDERMAN AUCTION #VAAF794 FSBO Beech Mountain Lots $20,000$55,000. Estate Sale - 50 Beech Mountain Lots $750,000. Club Memberships Available. Call 843-651-4545 STUNNING NC Mtn Views New log cabin on nearly 2 ac. features vault. ceilings, fireplace, hdwd floors, lg. screened porch, ½ basement, Only $194,900 (828) 286-2981
Uptown — Rent
196 ACRES & HISTORIC HOME ON TROUT STREAM 2.5 hours from Charlotte, grazing farm w/ over 5000 feet of frontage on Cripple Creek, trophy trout and beautifully, restored antique log home. This is the perfect "Norman Rockwell" setting. $1,599,999 joancollins@graysonmountainrealestat e.com 276-233-5494 BABBLING CREEK with 200 feet of sandy beach, 2 flat acres must see, very private backyard, close to town, $39,900 financing available 704 563 8216 FSBO 2 FAMILY MINI FARM Western York County, SC 803-322-4631
HORSEMANURE, or cows ,chickens, you name it, 38 acres of paradise, 1/2 hay field, 1/2 breathtaking timber, old farm place and perked for 30 lots....but farm price. hurry, owner 704 634 5530 UNION COUNTY FARM & 3Br/2Ba house for lease 1300 sq, 44 acres 1/2 pasture and 1/2 wooded for hunting/fishing/shooting. 704-579-4415
3BR/2BA HOME w/central heat&air, $950 mo + $950 deposit. 404 Plymouth Avenue. 704-576-2092
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CLASSIFIEDS
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 14, 2017
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Mortgage Guide Institution
30 yr APR
The Charlotte Observer
30 yr Fixed
Product
30yr Fixed APR
Points
Fees
% Down
APR
Phone Number / Website
Rate: 3.625
15 yr fixed
2.875
0.000
$175
Points: 0.000
7/1 yr Arm
3.000
0.000
$885 20% 3.500
704-412-9131
Fees: $175
30 yr jumbo
3.875
0.000
$885 20% 3.907
www.mecklenburgmortgage.com
% Down: 20%
Free Prequalification Letters and Rate Quotes 7 days a week
3.634% Mecklenburg Mortgage
Rate
20% 2.892
NMLS # / License #
NMLS #: 1190352 LIC# 161067
TO PARTICIPATE IN THIS FEATURE, CALL SALES DEPARTMENT @ 773-320-8492 Savings Update
Why auto-renewing your CD is almost always a mistake By Sabrina Karl Whenever you have a CD approaching maturity, take a page specials and promotions – so smart CD saving always involves from the book of the savviest CD savers, who virtually never let shopping around for competitive returns. Allowing auto-renewtheir certificates roll over into an auto-renewed CD. Here’s why. al forfeits all opportunity to seek out a top APY, as well as steals your chance to change your term or take the money elsewhere. Usually about a month before your CD expires – when you can withdraw your principal and interest without incurring an early Instead, you’ll find yourself committed to what’s likely a stanwithdrawal penalty – the bank or credit union will notify you of the dard or even lackluster rate, and for a fresh term that could certificate’s upcoming maturity date. It will also provide instruc- be several years long. tions for indicating what you want done with the money, as well as what the bank will do with it should you fail to respond by the This is particularly true when the maturing certificate was promodeadline. tional. If you allow auto-renewal, your funds will roll into a standard CD (rollovers into special CDs are essentially unheard of), If you don’t provide instructions – whether accidentally or inten- and that everyday rate is unlikely to be exceptional, and may not tionally – most institutions will roll the maturing funds directly into even be competitive. a new CD of an identical or similar term length. And therein lies What if you accidentally blow it and your CD autothe rub. renews? Fortunately, most banks offer a grace period to cancel The CD market is chock full of options from hundreds of insti- the new certificate without penalty. But it’s typically just 5 to 15 tutions offering a wide spectrum of rates – including plentiful days, so you’ll need to act fast. Rate Criteria: The rates and annual percentage rate (APR) are effective as of 10/10/17. 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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AT THIS MOMENT
COUNTRYSIDE CHARM ABOUNDS VALLE CRU CIS , N O RTH CARO LIN A 1 2:03 P. M .
PREMIERSIR.COM/ID/203498 828.295.0776
Contact us today for a consultation on how your home can be marketed in the Carolinas and around the world. 877.539.9865 PREMIERSOTHEBYSREALTY.COM
Blowing Rock | 828.295.0776 Asheville | 828.277.3238
Charlotte | 704.248.0243
Linville Ridge | 828.898.5151
Banner Elk | 828.898.5022
Lake Norman | 704.727.4170
Uwharrie Lakes | 704.727.4170
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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