The Real Estate Book of Greater Columbia, SC

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Columbia, SC HOME & LIFESTYLE GUIDE HOLIDAY SELLER DILEMMA

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MONEY-SAVING TAX BENEFITS 5 WAYS TO SAVE ENERGY WHEN IT’S COLD OUTSIDE

LAKE MURRAY

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Page 2 - View Over 750,000 Homes On RealEstateBook.com - Vol. 33, No. 9

Sam Jones, Jr.

REALTOR®

803-447-0219 sljrealtor@gmail.com • www.samjonesjr.com

EXIT REAL ESTATE SOLUTIONS

Office: 803-708-8045

Text SLJ to 85377 to search the MLS

Text P818324 to 85377 for more info & pictures Beautiful 3BR/2.5BA in Deer Creek with the largest backyard in the neighborhood! HOME THEATER SYSTEM! Home has also been freshly painted!!! This will not last long! $234,900 MLS/ID:385708

Text P842254 to 85377 for more info & pictures Nice 3 BR/2BA in a quiet cul-de-sac in Tall Pines. close to Retail and Restaurants at the Village of Sandhills and minutes away from I-20. This is a Fannie Mae HomePath property. $110,500 MLS/ID:387759

Text P842718 to 85377 for more info & pictures 5BR/3BA in Riverwalk. Spacious master, lg deck w/fenced backyard. Close to Retail and Restaurants and minutes away from Lake Murray. This is a Fannie Mae HomePath property. $84,900 MLS/ID:387822

Text P865601 to 85377 for more info & pictures 4BR/3BA Ranch home on Large Lot. Located close to Lake Murray, Restaurants and Award Winning Lexington/Richland 5 Schools. A Fannie Mae HomePath property. $136,500 MLS:390041

Text P784479 to 85377 for more info & pictures Take a look at this 4BR/2.5BA in Ashewood Lake! Beautiful fenced back yard with patio, open floor plan with very spacious bedrooms, large 2 car garage as well as community pool. $129,900 MLS/ID:382881

Text P866551 to 85377 for more info & pictures Nice 3BR/2BA w/fenced backyard!!! Master suite w/private bath and walk-in closet. Award winning Richland 2 school district, & conveniently located. A Fannie Mae HomePath property. $52,900 MLS:390132

Text P863161 to 85377 for more info & pictures 3BR/2BA2 ranch located on a large lot in the cul de sac at Chartwell. HWD’s & spacious rooms. Close interstates and shopping. A Fannie Mae HomePath property. $64,900 MLS:389793

Text P855296 to 85377 for more info & pictures Move-in ready 3BR/2BA w/spacious Master suite. New roof, fresh paint, new carpet and kitchen appl. Community offers pool, playgrounds & more. A Fannie Mae HomePath property. $124,900 MLS:389166

Dedicated to finding the home of your dreams!

Carlos Ennis

REALTOR®

803-678-7050

CarlosEnnis@gmail.com

EXIT REAL ESTATE SOLUTIONS

Office: 803-834-7444

Text Carlos to 85377 to search the MLS

Jake Coker Regional Manager NMLS #141159

888-812-0525 Cell: 803-479-1186 teamcoker@norcom-usa.com

Text P524663 to 85377 for more info & pictures NE Columbia 4BR/2BA ranch style home with 2 car garage. Gas fireplace. Richland 2 school district. $137,900 MLS/ID:389834

Text P530131 to 85377 for more info & pictures Impressive new 5BR/5.5BA home. Enjoy peaceful views of the lake & privacy on over an ACRE. Luxury Standards only expected from an Emerald Home. Too much to list! A must see! $520,000 MLS/ID:382180

Text P524657 to 85377 for more info & pictures Immaculate 6BR/3.5BA is located in Garden Valley built by D.R. Horton in NE Columbia. You will fall in love with this floorplan! Over 2700 sq.ft. and Owners Suite is downstairs. $197,900 MLS/ID:387962

Text P524655 to 85377 for more info & pictures Country Living right outside the City! Located on the edge of Kershaw and Richland County and on 1.05 Acres lies this Beautiful 2400+ SF 3BR/2.5BA $225,900 MLS/ID:387370

Text P719176 to 85377 for more info & pictures Townhome in NE Columbia 2BR/2BA spacious living area that opens up to a patio, Updated Kitchen w/stainless steel appliances. No HOA Fees!!! $104,900 MLS/ID:376578

Text P524656 to 85377 for more info & pictures Nicely renovated home in a quiet community. This partial brick 3 Bedroom/2 Bathroom home features and updated kitchen with granite countertops, spacious dining area, $87,999 MLS/ID:381667

Text P524662 to 85377 for more info & pictures Custom built 3BR/2.5BA All Brick Ranch Style home rests on almost an acre of land. Sunken DR, Formal LR and an oversized FR with fireplace. $153,300 MLS/ID:389140

Text P818169 to 85377 for more info & pictures Great Home, Great Price, in a Great Community? 3BR/2BA w/nice owners retreat, great room floorplan, gas log fireplace, back patio in spacious backyard. $119,900 MLS/ID:385659

Looking for new construction? Visit: http://newhomepros.buildersupdate.com/


Mike Taylor

Why Buy Now? Ask a REALTOR® - Vol. 33, No. 9 - Page 3

Broker/REALTOR® ABR & SFR

877-739-2899

EXIT REAL ESTATE SOLUTIONS

Office: 803-397-4222

Text MikeTaylor to 85377 to search the MLS

MikeTaylorHomesSC@gmail.com • www.MikeTaylorHomes.com

Text P497471 to 85377 for more info & pictures Low maintenance 2BR/2BA, one car garage, covered back patio. Open GR w/ fireplace. Formal DR. HOA includes security system, front yard maintenance, common area, annual pressure washing and more. $132,500 MLS#387027 Call Mike.

Text P303918 to 85377 for more info & pictures Woodland Hills neighborhood. Close to I-20 & I-26. This move-in ready 3 bedroom & 2 bathroom brick home offers mostly hardwood floors throughout & formal living room. Great room w/ gas burning fireplace. $132,500 MLS#381179 Call Mike.

Text P478817 to 85377 for more info & pictures 3BR/2BA & qualifies for 100% rural financing, Updated throughout. Spacious eat in kitchen, plenty of storage. Vaulted ceilings in the GR. Lg backyard backs up to Lake with over 60 feet of water frontage. $62,500 MLS#386948 Call Mike.

Text P487464 to 85377 for more info & pictures Great location in a gated community near shopping & I-20 & I-77! Hwds on main level. Open plan, formal DR & GR, lg kitchen. Master & 2BR on the 2nd floor & spacious loft! Nice fenced in backyard. $139,900 MLS#386982 Call Mike.

Text P854669 to 85377 for more info & pictures

Text P303924 to 85377 for more info & pictures If you’re ready for spacious, country living just minutes from Southeastern Columbia, you’ve found the right place! $50,000 MLS#386057 Call Mike.

Text P208803 to 85377 for more info & pictures Kershaw County = lower taxes This is peaceful country living at its best. All brick home with formal DR, LR w/FP HWD’s screen in deck. Lg FROG can be used as a 4th BR or second living area. $179,000 MLS#377085 Call MIke.

Text P277092 to 85377 for more info & pictures Don t miss this lovely 1.5 story, 2BR, 2.5BA patio home conveniently located The kitchen has a large bar and eat in area. Extra half bath located on main level. Yard maintenance is covered by HOA. $95,000 MLS#388960 Call Mike.

Lovely all brick 3BR/2.5BA ranch style in the Spring Valley West Neighborhood in NE Columbia.Lg master bedroom. 2nd story: oversized Bonus w/closet could be 4th BR. Lg backyard w/privacy fence, patio & storage building. oversized two car garage $139,900 MLS#389243 Call Mike.

Kevin Simpson REALTOR®, ABR, SFR, BPOR

803.546.3262

Weaver Realty, LLC 4001 Rosewood Dr Columbia, SC 29205

ksimpsc@yahoo.com • www.myprimefinancial.net

Text P315412 to 85377 for more info & pictures Well maintained home with many updates needs a new owner. Home features nearly 2100 square feet with three bedrooms and two baths and an attached carport. Motivated seller. Call Kevin.

Text P646509 to 85377 for more info & pictures 3 bedroom, 1.5 bath home. Sold AS IS. Tenant Occupied until Feb 2016. Call Kevin.

Text P646511 to 85377 for more info & pictures Well maintained in Sterling Hill! 1512 sf, attached garage and spacious back yard with patio. 3BR/2BA and a finished bonus room. Richland School District 2. Move in ready. Call Kevin

Text P689998 to 85377 for more info & pictures Renovated Eastover home with over half an acre lot. Vinyl home featuring three large bedrooms and nearly 1350 square feet. Move in Ready! Call Kevin for more information!

Text P663080 to 85377 for more info & pictures Brick Eastover home priced to sell. Home features three bedrooms two full baths and nearly 1200 square feet. Priced to sell! Call today for more information!

Text P315413 to 85377 for more info & pictures Large four bedroom brick home in Lincolnshire calling for offers. Motivated seller and he will sell it to the highest bidder. Call Kevin.

Text P208802 to 85377 for more info & pictures Brick three bedroom home located near Columbia College with 1342 square feet! The property feature more than a quarter acre lot with three bedrooms. Priced to sell! Call Kevin for more information!!

Text P853319 to 85377 for more info & pictures Vinyl home located downtown built in 2006. The home features four bedrooms two full baths and nearly 1600 square feet. Call Kevin today for more information!


Page 4 - View Over 750,000 Homes On RealEstateBook.com - Vol. 33, No. 9

Tina Horne

Text thorne to 85377 to search the MLS Real Estate Solutions

Broker In Charge

803-269-2154 • TinaHorne.EXIT@gmail.com Are you thinking of selling your home? Text P755354 to 85377 for more info & pictures

Kershaw County 3BR/1.5BA Tri-Level, 1 car garage, workshop & fenced on 1.1 acres. $154,900 MLS/ID:381674

Text P736456 to 85377 for more info & pictures

Wildewood-Sesqui Pl. 2MBRs, 2-story GR, Hwds throughout most of main, fenced backyard & deck w/screened porch. Walk-in pantry & butler’s pantry. $269,900 MLS/ID:37944

Text P721038 to 85377 for more info & pictures

Beautiful Lot in the desirable Spring Valley community. Bring your plans and build your dream home. $28,000 MLS/ID:389839

Text P797791 to 85377 for more info & pictures

Beautiful executive home, 4BR/3BA plus office Formal living & dining rooms. Kitchen w/granite and stained cabinets open to the family room. $224,900 MLS/ID:384435

Featured Properties

Text P850202 to 853773

Text P869751 to 853773

236 Risdon Way - 3BR/2BA Immaculate & Commercial/Residential. House on .5 acre lot. updated. Deck hosts an 8 person hot tub. New paint, nice hardwoods, good condition. $115,100 MLS/ID:388358 $124,999 MLS/ID:382203

Eric Gregg

Frances Brown

803-587-0913

803-422-5408

Russell & Jeffcoat Real Estate

Asset Realty, Inc.

Advertise YOUR home here! Text P870801 to 853773

Great commercial 1.75 acre lot. 267’ on busy Hwy 321. Easy access. Plat available. $169,000. MLS/ID:382299

Frances Brown Asset Realty, Inc.

803-422-5408

Contact Pam Hoover 803-201-1987 pam@sctreb.com

Text P819980 to 85377 for more info & pictures

Renovated 3BR home w/fresh paint and new windows. Wood laminate flooring through out. Kitchen has real wood cabinets. Fenced backyard & storage shed. $89,900 MLS/ID:385907

Text P797788 to 85377 for more info & pictures

Beautiful 3BR/2BA in Brittany Park subd of the Summit. HWD’s, updated bathrooms, screened back porch & recently painted. Huge master w/room for an office. $152,500 MLS/ID:377817

I have 3 things you need to know to sell it for the most profit! Call me today for an appointment! 803-269-2154


More Photos And Tours On RealEstateBook.com - Vol. 33, No. 9 - Page 5

Madison A. Ballagh Broker/REALTOR 803-319-0754 Alicia Ballagh REALTOR 803-727-5208 ®

®

"Exceeding Your Expectations!" Madison@ColumbiaHomeSells.com www.ColumbiaHomeSells.com • www.ColumbiaHomeSold.com

Text P245334 to 85377 for more info & pictures

228 Oakbrook Village Rd - 3BR/2BA, Beautiful starter home in quiet neighborhood just minutes from Fort Jackson, the interstates and shopping. $101,500 MLS/ID:38511

Text T11931546 to 85377 for more info & pictures

ER H T LD O O AN E S N O Text P737001 to 85377

for more info & pictures

21 Cockspur Circle - Amazing & fabulous split plan 3BR/2BA Irmo home. New Siding, new paint in & out, new carpet & tile in the oversized kitchen. $95,000 MLS/ID:380408

Text P321438 to 85377 for more info & pictures

Text P562872 to 85377 for more info & pictures

333 Richland Farms Rd - Very private 3BR/3.5BA on 15.2 acres. 2 car garage, pool, shed, lg carport. Horses welcome. Close to Fort Jackson & Shaw AFB. $230,000 MLS/ID:371883

Text P277245 to 85377 for more info & pictures

1228 Shull Island Road - Lakefront on 1.79 acres & 100' of deep water. 4BR/3.5BA, 2 MBR suites. Views from every room! Lg wood deck with screened gazebo. $675,000 MLS/ID:356946

1191 Coralbean Way - Awesome 5BR/2.5BA family home in grand neighborhood of NE Columbia. Close to shopping, restaurants and much more! $155,000 MLS/ID:388969

104 Riverwalk Way - Cozy 3BR/2BA located in Riverwalk. Very spacious w/finished basement, mudroom & side entry garage. Deck & fenced backyard. $102,000 MLS/ID:387946

Text P829504 to 85377 for more info & pictures

Text P539357 to 85377 for more info & pictures

Text P539357 to 85377 for more info & pictures

10 Old Park Circle - 3BR/2.5BA in the heart of Sandhills. Very open floorplan. Over 1600 SF of comfortable living space. Kitchen with island. Deck with well kept backyard. $230,000 MLS/ID:386454

1402 May Oak Circle - Beautiful 3BR/2BA in the Summit! Granite countertops & new SS appliances. Nice large deck overlooks large privacy fenced backyard. Fresh paint. $99,000 MLS/ID: 386285

1818 Taylor Dr - Beautiful Lot on lake Murray. Build your dream home! 100 feet of lake frontage on big water! Incredible views all the way to the dam. $300,000 MLS/ID:365094

• 100% Financing Available • No Money Down Loan Program • VA & Rural Housing

803-732-5787

Text P245332 to 85377 for more info & pictures

1765 Lost Creek - Amazing 4BR/2.5BA in Chestnut Hill Plantation. Open Floorplan, Private fenced backyard and tons of amenities within the community. $164,000 MLS/ID:382827

NMLS#803458

www.SCMortgageOptions.com


Page 6 - View Over 750,000 Homes On RealEstateBook.com - Vol. 33, No. 9

Chip Jefferson

803-808-1260 • 803-360-0491 columbia@gibbsrealty.net • www.gibbsrealty.net

Midlands Office

107A Vista Oaks Dr, Lexington, SC 29072

Top 3% Listing agent in Midland SC For a free home evaluation call today!

Text P468000 to 85377 for more info & pictures 3412 Hinbet Drive - Spacious 5BR/3.5BA home on .54 acres. Custom built w/so many upgrades to list like Hardwood, tile, granite and a wonderful flowing floorplan w/huge rooms. $542,900 MLS/ID:384199

Text P831766 to 85377 for more info & pictures 229 Southberry Park - Wonderful double front porch. Formal LR & DR, 4BR/2.5BA w/kids den upstairs. SS appl and granite. Screened in porch, inground pool, pond and so much more! $269,000 MLS/ID:386792

Text P679093 to 85377 for more info & pictures 103 & 104 Catfish Cove Rd - Waterfront lot at a unbelievable price. Approximately 140 feet of great views and water. Gently sloped and easy to build on. $49,000 MLS:377553

Text P308139 to 85377 for more info & pictures 113 Powder Horn Dr - Great opportunity to own this huge 5BR/3BA, Lg open rooms Master w/private sitting area. Formal DR. On a very spacious lot. $65,000 MLS:388413

Text P601440 to 85377 for more info & pictures 101 Iron Horse Rd - 3BR/2BA, New carpet and paint makes this one shine like new. Huge great-room with open kitchen.Large master bedroom and bath. Bonus room over garage. $131,500 MLS/ID:373881

Text P485743 to 85377 for more info & pictures 133 Thames Valley Ct - All completely restored and move in ready. New paint, carpet and appliances. Close to everything Irmo. Great Fireplace. $69,900 MLS:388904

Text P511464 to 85377 for more info & pictures 312 Bridleridge Rd - Cozy 3BR/2BA ranch home w/new carpet and paint. .78 acre lot that’s wooded and private back yard. Open spacious floorplan with oversized bedrooms. Huge greatroom. $114,900 MLS:388872

Text P864652 to 85377 for more info & pictures 139 Torreyglen Dr - 3BR/2.5BA Completely made over. Great floorplan with plenty of space for the growing family. Community pond and pool. Walking trail $174,900 MLS:389957

We want to be your choice for home loans in the Midlands. 3 locations to serve you locally:

Local Decisions - Local Underwriting

Downtown West Columbia Lexington Ballentine (Coming Soon)

866.851.3000 NMLS# 456430

Apply online today! https://www.securityfederalbank.com


Looks like a resort... feels like HOME!

803-732-2411

TF35_MobileSite_H_MAG.qxd:TREB Mag Size Cover

www.LakeMurrayLiving.com

6/8/12

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Page 8 - View Over 750,000 Homes On RealEstateBook.com - Vol. 33, No. 9

Wonida Welch

Branch Manager

NMLS ID:652830 State Lic.:#MLO-652830

803-269-9396

wonida.welch@caliberhomeloans.com www.caliberhomeloans.com/wwelch

Text P870745 to 85377 for more info & pictures Lake Carolina Private Lakefront Luxury. 6BR/5BA & 2 half BA. Home theater w/ high end audio system, 4 gas fireplaces & intercom to name a few. RARE WALK OUT BASEMENT. $950,000 MLS:388074

Text P870748 to 85377 for more info & pictures IMMACULATE! EVERY BR has a private BA. 4BR/5.5BA, A large bonus. Kitchen is a chef & entertainer’s dream. Formal DR. Located in private gated community w/in Lake TF39_QRandText_H_US_MAG.qxd:TREB Carolina. $440,000 MLS:388591

803-665-8160

Realty NE

Shannongreen555@gmail.com • www.realestateofsc.com

Text P870744 to 85377 for more info & pictures Wood Moor 4BR/3BA, HWD’s throughout the main area., study, DR w/private covered patio. Lg FR, fireplace, Kitchen w/island cooktop, butlers pantry, saltwater pool & covered patio. $370,000 MLS:389561

Text P870749 to 85377 for more info & pictures 1.57 ac in Kershaw County. Custom built 3BR/2BA, w/screened porch . Home perfectly positioned on large lot w/ flat, privacy fenced backyard, shed & greenhouse convey. $285,000 MLS:388644

Text P870752 to 85377 for more info & pictures Spacious 5BR, 4.5BA floor plan in a cul de sac. Office/ formal LR and DR, gourmet kitchen with granite countertops, large pantry, bonus room ideal for a man cave or theater room. $299,900 MLS:389474

Text P870751 to 85377 Text P870750 to 85377 for more info & pictures for more info & pictures Excellent location on 1.2 acres. 3BR/3BA, Lg Charming southern home has incredible FR w/fireplace & built-ins, spacious kitchen views of Lake Murray. Spacious and open w/lots of cabinets. Over 1100 sqft basement. floor plan, connecting kitchen to FR & Close Size to I-20, Cover Lexington, Columbia Lake PMformal DR, office, and formal LR. 4BR/3.5BA Mag 6/8/12and6:25 Page 1 Murray. $208,000 MLS:389621 $280,000 MLS:382580

Text P870747 to 85377 for more info & pictures Beautiful 3BR/3BA home with upstairs loft! Stainless steel appliances and tile back splash in kitchen. Owner suite has a sitting area and all bedrooms have blinds and vaulted ceilings. $180,000 MLS:384243

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Neighborhood Details to Consider When Buying a Home When it comes to investing in real estate, it’s not only the house that should be considered, but also the location, neighborhood, and everything in its proximity. Buying your first home can seem overwhelming, but it doesn’t have to be. Before finalizing the exact home to buy, here are some helpful tips to determine if that home’s neighborhood is the right one for you and your family.

Every neighborhood has rules.

Depending on your lifestyle now, your next home may be in a neighborhood with laws that you’re completely not accustomed to. According to a recent article by real estate expert Bill Gassett, there may be restrictions on where you can park (some neighborhoods do not allow parking on the street) as well as which outdoor renovations that are allowed or prohibited on the land you own. These rules are referred to as “restrictive covenants” and can put a damper on your daily life in the new house. Learn them before you move in.

Do you have easy access to your favorite hobbies?

Another huge factor that comes into play is your new home’s proximity to favorite activities or hobbies. Many people tend to overlook what they’ll do in their downtime because they’re busy looking for a place that’s close to work or school. Don’t you want to live in a home that’s convenient for both business and pleasure? Having fun is just as important!

Know the HOA or Property Manager.

Before a decision is made, gain an understanding of the type of neighborhood you’re getting yourself into. Is it owned by a Homeowner’s Association or property manager? What are their rules? What about reviews? According to Forbes Magazine, you may be able to find reliable ratings online if it’s managed by a large company. Do your research, talk to neighbors, and read up on local news stories to determine if it’s the right neighborhood for you.

The noise factor.

If interested in a home whose neighborhood is right near a busy road, keep in mind how noisy it’ll be. There are a number of things that can cause noise around your home, such as nearby event centers, stadiums, pedestrian traffic, and crowded streets. Some people are okay with a little noise if that means they’re closer to the hustle and bustle of the city. If that’s not you, then you should probably re-think the location of your home and neighborhood.

Changes in property taxes & insurance rates

It’s important to know that taxes and insurance can vary according to the area or county. Learn how your area handles taxes before you move in. Otherwise, it will come as an unpleasant surprise when you discover that you actually owe much more than expected. Living in this new area may also have an impact on your car insurance rates.


Money-Saving Tax Benefits for New & Long-Term Homeowners Buying and owning a home is not only an important step in life, it’s an area rich with benefits when it comes to filing an annual tax return. Jackson Hewitt Tax Service reminds tax filers not to forget or overlook the many tax credits and deductions that relate to home ownership. “From the special tax credit for first-time home buyers, to the numerous tax incentives for making energy efficient changes to a home, there are multiple reasons for taxpayers to speak with a tax preparer and ensure they take advantage of all home ownership-related credits and deductions for which they are eligible,” said Mark Steber, chief tax officer, Jackson Hewitt Tax Service Inc. Steber reminds homeowners to keep the following tax benefits top-of-mind as they gather their tax-related documents to have their tax return prepared: First Time Home Buyer Credit: The IRS allows first-time home buyers to withdraw up to $10,000 from their traditional IRA (and even Roth IRAs) penalty-free to help with the purchase of the home. You can also borrow half of your 401(k) balance up to $50,000 for the purchase of a home. But, the interest you pay on that 401(k) loan, unlike a mortgage loan, isn’t tax-deductible. New Home Energy Credits: Taxpayers can receive a credit for making their homes more energy efficient by caulking doors and windows, adding new insulation to attics, buying an energy efficient hot water heater or air conditioner and more. The credit amount is a total of 30% of the cost of qualifying improvements, up to $1,500. Tax Deductions and Buying a Home: Most of the expenses incurred when buying a home are not deductible. Yet there are certain closing costs (such as brokers’ commissions, attorney’s fees, recording fees, abstract fees, surveys, title searches, owner’s title insurance policy and transfer taxes) that are added to the basis of your residence that are important to keep track of. When you sell, the basis is needed to calculate any gain or loss. Real Estate Taxes: You may deduct real estate taxes in the year paid. They are generally reported on Form 1098 (Mortgage Interest Statement) or on your county real estate tax assessment statement. You should also deduct any prorated taxes collected from you at closing. These amounts are usually included on Form 1098, but you can get the total paid at your local tax assessor’s office if they are not reported on your Form 1098.


Local Real Property Taxes and Assessments: Local taxes are deductible if they are charged uniformly against all property in the jurisdiction and if they are based on the assessed value of your home. Many states and counties also impose local benefit taxes for improvements to property, such as assessments for streets, sidewalks, and sewer lines. These taxes cannot be deducted but you can increase the cost basis of your property by the amount of the assessment. Mortgage Interest: The amount of mortgage interest you paid on your principal residence (or second home) is deductible if you itemize deductions. This amount is generally shown on Form 1098 (Mortgage Interest Statement). You can also deduct the points paid to purchase your residence, even though some may have been paid by the seller. Mortgage insurance premium payments that are related to the purchase of your home are deductible annually. In addition, Steber notes that taxpayers should keep records of the cost of improvements made that add value to the home, such as landscaping, patios, swimming pools, decks, room additions and roof replacements, as these items can be added to the cost basis. Repairs such as fixing leaks, repairing roofs and painting are not deductible and are not basis additions. The cost of your own labor is not deductible. For more information, visit www.jacksonhewitt.com. Reprinted with permission from RISMedia. Š2015. All rights reserved.


Holiday SELLER

THE

DILEMMA

TO DECORATE OR NOT TO DECORATE Many homeowners are hesitant when it comes to putting their home on the market to sell during winter months, especially around the holidays. Fortunately, you don’t need to sacrifice your holiday spirit to attract buyers and sell your home. We have put together a list of top decorating and staging tips during this joyous time of year.

DE-CLUTTER & STAGE BEFORE YOU DECORATE Before adding holiday décor into the mix, prepare your home by cleaning and staging. This means getting rid of all your random clutter and tchotchkes throughout the house so you can make room for some sensible holiday style.

TONE DOWN THE TREE. You don’t need to sacrifice the holiday tree when selling your home during the winter months. You do, however, need to trim down the size. Consider using a smaller tree that fits the space without making the room feel crowded. Use silver or gold solid color ornaments and a simple strand of clear lights.

MATCH YOUR CURRENT STYLE & PALETTE Adding in decorations with colors that have nothing to do with the existing color scheme may do more harm than good. Instead, complement your living room’s soft blue palette with subtle white snowflakes or a silver wreath.

At the end of the day, you want buyers to be able to visualize their own belongings in your home, so remember to keep all your personal family ornaments and pictures packed away, de-clutter, clean everything, and use subtle holiday accents that will complement your home’s already existing style and color palette.

BE COURTEOUS TO OTHER RELIGIOUS VIEWS Be mindful that there are many different types of religions that celebrate during the holiday season. I recently read an article by HGTV that highlighted Amy Powers, owner of Accent Home Staging & Interiors of Atlanta. According to Powers, “you want to keep neutrality throughout, so you can attract any type of buyer – no matter what your religion is, you’re not going to feel offended by a nutcracker.” DON’T GO OVERBOARD WITH LIGHTS Less is more when it comes to decorating with holiday lights while selling a home. Don’t be a Clark Griswold! Instead of covering your home with overthe-top light displays, settle for a simple string of lights that will complement the exterior features and architecture.

DON’T BE ONE OF THOSE HOMES. Once the Holidays are over, don’t be one of those homes that leave their decorations out for several more weeks or months. If you are serious about selling your home then take down the decorations after the Holidays and prepare the house to attract potential buyers.


Your Recipe of theMonth Whether you’re entertaining for guests or simply cooking treats for your family, here’s a delectable new recipe to try this holiday season.

BRead pudding with whiskey sauce For the Pudding: Bread Pudding: 6 cups cubed, stale French or Italian Bread 1 apple peeled, cored and grated 1 cup sugar 1 tsp vanilla extract 1 cup golden raisins 3 large eggs 2 cups milk ½ tsp nutmeg ¼ tsp cinnamon butter pinch of salt

Whiskey Sauce: 1 ½ cups water ¼ tsp nutmeg 1 ½ Tbsp corn starch 2 Tbsp butter ½ cup firmly packed brown sugar ¼ cup good-quality whiskey or brandy

1. 2. 3. 4. 5. 6. 7. 8.

Preheat the oven to 375 degrees. Combine bread, apple and raisins. Set aside. Beat eggs until frothy; beat in sugar. Add milk, vanilla, nutmeg, cinnamon, and salt. Pour over bread mixture. Set aside for 15 minutes for bread to soak up liquid. Generously butter a 1 ½ quart casserole dish. Pour bread mixture into dish; place on top of a larger jelly roll pan in the oven and pour boiling water into the outer pan to the depth of 1 inch. Bake for 40-45 minutes or until toothpick inserted in center comes out almost clean. Prepare and serve with Whiskey Sauce.

For the Whiskey Sauce: 1. 2. 3. 4.

Combine water, sugar, and nutmeg in a saucepan; bring to a boil. In a small bowl, mix whiskey or brandy with cornstarch; add to sugar mixture. Cook, stirring constantly, until thickened. Blend in butter until melted.

Serve and enjoy!


5 Ways to Save Energy When

it’s cold outside

As outdoor temperatures drop and home heating costs are on the rise, it’s now more important than ever to make sure your home is properly prepped for winter. Here are some cold weather tips and easy DIY projects to help save money and energy this winter:


Attic First, check to see if there is any missing or damaged insulation that can be readily replaced. A lower-cost alternative to block unwanted airflow is to place sheets of foam polystyrene plastic on top of existing insulation. You can also keep the cold air in the attic and out of the living area by installing some plastic foam weather stripping around the attic door.

Fireplace Although a fireplace is meant to heat a room, it often allows cold air to enter a house. An inexpensive product known as a “chimney pillow” or “fireplace plug” can reduce airflow when the fireplace isn’t being used. After installation, the pillow’s inflation tube hangs down into the fireplace as a reminder to remove it before lighting a fire in your living room.

Windows & Doors Make sure your home is properly insulated by inspecting doors, windows, and apply caulk or weather-stripping where necessary to keep cold air out. You should also close drapes, blinds and garage doors to preserve heat and prevent cold air from sneaking inside. There is a wide variety of lowcost weather stripping you can purchase that helps trap air, providing a barrier between indoors and out.

Switches, Outlets & Ducts Less obvious places that can waste energy are electrical switches and outlets. You can easily prevent air from sneaking in and out by placing pre-cut, inexpensive plastic foam insulation sheets behind switch and outlet covers. Check your home’s unheated areas for leaks in heating ducts, including your basement, attic and garage. If you find leaks, they can be easily sealed with plastic caulks or polyurethane foam sealants. These low-cost products are designed to fill cracks and crevices while keeping away moisture and mildew.

Follow these energy and money saving tips for a cozy home this winter and all year round. Many homes have areas that are not properly sealed, letting warm air escape your home and allowing cold air to sneak in. Helping to seal these leaks in problem areas can provide a quick and easy return on time and money invested.


HOW-TO

Renovate Your Home Without Exceeding Your Neighborhood Value

Before you decide to invest in major renovations on your home, it’s important to understand that not all remodels will increase the value. It is certainly possible to over-remodel, and you don’t want it to exceed the value of your neighbors’ homes. Here are some ways to get the highest return on investment (ROI) possible when the time comes to sell your home.

Projects always worth your while

Make improvements that will add value over time

There are specific renovation projects that can deliver the greatest effect on your ROI, regardless of the real estate market’s current state or the value of surrounding homes. According to real estate expert Robert Stammers in a recent article in Investopedia, these can be projects such as an addition of a wood deck, kitchen and bathroom upgrades as well as window replacements.

Some home improvements, like upgrading the technological features of a home, will not have a lasting impact, and may even bring down the home value. These types of renovations are at a higher risk of becoming obsolete and outdated as years pass. Technology and styles change all the time, so focus on improvements that are less likely to be impacted by time and are worth your investment.

Factor in location

Renovations that will pay you back

A common mistake that homeowner tend to make is renovating their homes to the point where it exceeds the value of surrounding homes. The fact of the matter is that people look in a specific neighborhood because of its proximity to nearby businesses or recreation and it’s in their price range. If improvements done to your home are much higher than homes around you, it’s unlikely that they’ll want to pay more for those improvements, even if they’re interested.

Regardless of whether a homeowner is planning to sell or not, the ultimate objective of taking on a renovation is to revel in the enjoyment you get from living in an updated home while gaining considerable profit from that investment. There are many tools out there that show the kind of profit you can expect from specific home remodels. A perfect example of this is Remodeling magazine’s “Cost vs. Value” annual report.

HERE ARE SOME OF THE FINDINGS FROM THE 2015 REMODELING COST VS. VALUE REPORT Projects that deliver the highest percentage of return on investment Entry door replacement (steel): 101.8% Garage door replacement: 88.4% Siding replacement (fiber-cement): 84.3% Siding replacement (vinyl): 80.7% Deck addition (wood): 80.5%

Projects that deliver the lowest percentage of return on investment Sunroom addition: 48.5% Home office remodel: 48.7% Master suite addition: 53.7% Garage addition: 54.7% Bathroom addition: 57.8%


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www.MarinersRetreat.com

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Want to Sell Your Home Quickly & at the Best Price? The Real Estate Book® provides a comprehensive marketing strategy that exposes your home to the most qualified home shoppers to sell your home faster & bring you the most money possible. Ask your real estate professional to advertise your home in this color catalog of homes today! Learn about our marketing strategy for your home @ RealEstateBookMediaKit.com ALL ACROSS NORTH AMERICA

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Super cute almost new, completely remodeled home on a private 1.5 acres! Open floor plan and lots of natural light, back yard this large lot has lots of potential! $89,500 MLS:386163

Lovely home open floor plan of formal LR & DR. Beautiful combination family room and kitchen area with granite counter tops, 4 bedrooms and laundry room upstairs. Lg Backyard has a man-cave w/plumbing. $168,000 MLS:388616

Nestled among mature trees & located on a quiet cul-de-sac this traditional 2 story home offers a DR, large eat-in kitchen, GR w/vaulted ceiling & fireplace. Old Republic Home warranty available. $177,900 MLS:388822


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Why Buy Now? Ask a REALTOR® - Vol. 33, No. 9 - Page 21

Real Estate Services

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Extend Your Search Online at REALESTATEBOOK.com | Vol. 03, No. 01 | Page 21


Page 22 - View Over 750,000 Homes On RealEstateBook.com - Vol. 33, No. 9

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175 Morgan Drive, Lexington, SC 29072 A Beautiful 5+ Acre Estate on a 2 acre fishing pond! Also includes 2000 sq ft Guest House and 1200 sq ft Carriage House. All 3 Homes over look a 2 acre pond. Zoned for River Bluff High!! The main house has 5 bedrooms and 4.5 baths. The gourmet chef’s kitchen is complete with stainless steel appliances, granite counter-tops, designer back-splash, hardwood floors, custom moldings, cabinets and lighting. The family room opens up to the kitchen and comes complete with built in bookshelves and beautiful picture windows overlooking the 2 acre pond and 50 ft permanent deck! This is truly a crown jewel and a must see. $930,000 MLS/ID: 383137

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3BR/1BA with new roof and brick in great shape. Recently replaced AC unit. Lots of potential in a very good neighborhood. In need of some TLC. $99,000 1112 Oconee Street MLS/ID:388396



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