Homes & More by hurontribune

FRKEEOENE

SPRING/SUMMER 2012

Homes More

Your Complete Guide To Home Ownership

Huron Daily Tribune

Real Estate One Caseville, Harbor Beach,

Northern Star Realty Caseville

Kelly & Co. Cass City, Sebewaing

Scenic Realty Sand Point

Re/Max New Image Caseville

Available on the web: www.michigansthumb.com

Homes & More COVER.indd 1

4/25/12 1:08:13 PM

www.c21babcockrealty.com/350632

Babcock Realty 1524 Port Austin Rd., Port Austin. Captivating lakefront home offers spectacular sunset views over Lake Huron, and has one of the most beautiful sandy beachfronts you will find in the Thumb Area, with 100’ of lake frontage! The home is warm and inviting throughout, with 3 BR’s & 2 BA’s. This wonderful home is truly a dream-come-true! $398,500 www.c21babcockrealty.com/349521

Lori J. Babcock Broker/Owner

989-550-7936 Direct PORT AUSTIN

Lake Street 989-738-HOME (4663) 877-738-8491 Toll Free

www.c21babcockrealty.com www.thumbhome.com Mon.-Fri. 9-4 • Sat. 10-2 • Sun. By Appt.

736 Cove Drive, Port Austin. Superb 3 BR, 1.5 BA lakefront home in Broken Rocks with 100’ of sandy lake frontage, 4,000 sq. ft. features 2 separate living quarters, each with 2,000 sq. ft. Gorgeous Great Room views the lake. Broken Rocks Club House, Tennis Courts & beautiful grounds are just a few of the amenities that this exclusive association can offer you and your family! Enjoy the breathtaking sunset views...enjoy this wonderful home! $599,000

www.c21babcockrealty.com/346401

www.c21babcockrealty.com/354506

www.c21babcockrealty.com/354018

5768 Port Austin Rd., Caseville. Fabulous lakefront dream home with 100’ of sandy lake frontage & 4,000 sq. ft. Home offers 2 separate living quarters with gorgeous lake views from the windows/doorwalls. Master suite with adj. bath w/Jacuzzi, opens to wrap-around deck. $695,000

8770 Lake St., Unit #7 & Boatwell #2, Port Austin. This elegant 2 BR, 3-1/2 BA lakefront condo features a bright & open floor plan, 2 gas log fireplaces, a view of the harbor from the living room, a family room in the finished lower level, and an added bonus is the boat well that comes with the unit, for easy access to the lake! $198,900

1156 Port Austin Rd., Port Austin. Delightful lakefront home offers lake frontage with gorgeous lake views. You and your family will love relaxing on the wonderful 30x26 back deck on balmy summer days! The property includes three lots with beautiful mature trees, for shade and plenty of elbow room. $269,900

www.c21babcockrealty.com/347569

www.c21babcockrealty.com/343002

www.c21babcockrealty.com/300367

REDUCE

3893 Port Austin Rd., Caseville. Wonderful lakefront 4 BR, 4 BA home with full walk-out basement. Bright, wellorganized kitchen/dining area , comfortable cozy living room, home includes a lakefront sandy beach lot across the street. Lounge on the lakeside deck while watching beautiful sunsets over Saginaw Bay! $275,000

3162 Shore Dr., Port Austin. This lakefront home on Saginaw Bay has great “Up-North Appeal”. Kitchen, dining & living room face the lake for great sunset views; free standing wood burner, bunk room in the carpeted garage w/8 bunk beds, sea wall with steps to the beach! $209,900

1820 Pointe Aux Barques, Port Austin. Fabulous best describes this exquisite 3 BR, 2 BA home with vaulted tongue-in-groove wood ceilings, custom cabinetry throughout, 1100 sq. ft. of hardwood flooring, new carpeting, new drywall, updated with new windows, including both doorwalls, & double front doors. $159,900

www.c21babcockrealty.com/350114

www.c21babcockrealty.com/329410

www.c21babcockrealty.com/343454

8770 Lake St., Unit #3 & Boat Well #16. This luxurious & spectacular 3 BR, 3-1/2 BA harbor front Townhouse condo in Port Austin offers gorgeous views of Lake Huron, and comes with its own boat well, for easy access to the lake. Affordable Lakefront Living! $220,000

635 Highland, Port Austin. Within the prestigious community of Broken Rocks Association, a private association of homes extending one mile along Lake Huron’’s shoreline, you will find this beautiful log home with 3 bedrooms & 2 full baths. Must see! $209,000

1610 Port Austin Rd., Port Austin. Lovely 3 BR 2-1/2 BA Chalet with 81’ of lake frontage, enjoy lake views from the dining, kitchen & living room, finished walk-out lower level with family room & bath, wonderful lakeside deck. $299,500

CASEVILLE, 6820 MAIN ST. * 800-554-3970 BAD AXE, 791 S. VAN DYKE * 800-638-6476 Century 21 - INSIDE FRONT Gloss.indd 1

BAD AXE, 2966 PIGEON RD. * 888-446-6371 HARBOR BEACH, 119 STATE ST. * 888-399-3878

Each office independently owned & operated

4/25/12 12:56:44 PM

www.c21babcockrealty.com/349521 Babcock Realty

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Lake Street 989-738-HOME (4663) 877-738-8491 Toll Free

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 3

COMMERCIAL PROPERTIES www.c21babcockrealty.com/343411

Call Lori Babcock for more information

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PORT AUSTIN

Lake Street 989-738-HOME (4663) 877-738-8491 Toll Free

www.c21babcockrealty.com www.thumbhome.com Mon.-Fri. 9-4 • Sat. 10-2 • Sun. By Appt.

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www.michigansthumb.com • HURON DAILY TRIBUNE

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www.c21babcockrealty.com/338174

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PORT AUSTIN

Lake Street 989-738-HOME (4663) 877-738-8491 Toll Free

www.c21babcockrealty.com www.thumbhome.com Mon.-Fri. 9-4 • Sat. 10-2 • Sun. By Appt.

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PORT AUSTIN

Lake Street 989-738-HOME (4663) Direct 989-768-8241 Toll Free 877-768-8241

E-Mail: sandybublitz@yahoo.com www.thumblakehomes.com Mon.-Fri. 9-4 • Sat. 10-2 • Sun. By Appt. www.c21babcockrealty.com/354932

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HOMES AND MORE • 5

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www.michigansthumb.com • HURON DAILY TRIBUNE

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www.michigansthumb.com • HURON DAILY TRIBUNE

PUBLISHER’S NOTICE All real estate advertising in this newspaper is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation or discrimination or discrimination based on race, color, religion, sex, handicap, familial status or national origin,” or any intention, to make any such preference, limitation, or discrimination. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis.

To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free telephone number for the hearing impaired is 1-800-927-9275. HURON DAILY TRIBUNE • www.michigansthumb.com

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(989) 883-3130

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www.michigansthumb.com • HURON DAILY TRIBUNE

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HOMES AND MORE • 25

RE/MAX New Image Traci Warren & Tammy Teasdle Sales Professionals

�Traci Cell: (989) 550-7057 • Tammy Cell: (989) 551-7921 Caseville Office: (989) 856-4444

Use your Smart Phone for instant Information on any of our listings! RE/MAX New Image is proud to offer you an exciting new way to shop for real estate!! At the touch of your ﬁngertips, you can now use your smart phone to scan our bar codes and have instant information about the property you are interested in!! Just use your barcode scanning app, scan the bar code next to the listing and there it will be on your phone! Instant information!! Photo tours, rooms sizes, appt. scheduling etc.

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No need to browse a whole web site, or sort through homes you aren’t interesting in. We are taking you straight to the one you like! Have fun browsing and remember… Nobody sells more real estate than RE/MAX Traci Warren & Tammy Teasdle 26 • HOMES AND MORE

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www.michigansthumb.com • HURON DAILY TRIBUNE

RE/MAX New Image Traci Warren & Tammy Teasdle Sales Professionals

110,000

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HOMES AND MORE • 27

RE/MAX New Image Traci Warren & Tammy Teasdle Sales Professionals

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www.michigansthumb.com • HURON DAILY TRIBUNE

RE/MAX New Image Traci Warren & Tammy Teasdle Sales Professionals

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 29

RE/MAX New Image Traci Warren & Tammy Teasdle Sales Professionals

�Traci Cell: (989) 550-7057 • Tammy Cell: (989) 551-7921 Caseville Office: (989) 856-4444

Riverside Marina

650,000

7376 Oak Lane, Caseville

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7490 Pt. Austin Road, Caseville

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A licensed working marina, in the heart of town featuring 500’ of frontage on Pigeon River, 33 boat slips with electric & water, 1,600 square foot 3 bedroom home, wide plank floors, massive stone fireplace, spiral staircase, wet bar, 24 x 60 shed with 18’ walls, 5 bathrooms, laundry facility hookup and unfinished club house.

335,000

Beautiful sandy beach to build your “dream home.”

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www.michigansthumb.com • HURON DAILY TRIBUNE

RE/MAX New Image Traci Warren & Tammy Teasdle Sales Professionals

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 31

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Save money with our Multi-policy discount!

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6974 Main St. (M-25) Caseville 989-856-2745 • E-mail: powerag@avci.net

32 • HOMES AND MORE

�� 6832 Main St., Caseville 989-856-4404

www.michigansthumb.com • HURON DAILY TRIBUNE

Buying a home? Avoid these mistakes

he dream of home ownership is one that lives on in spite of the global economic struggles. The process of buying a home can be an emotional roller coaster ride, with feelings of excitement mixed in with exhaustion, fear and uncertainty. Over the last several years, the real estate market has been turned upside down, and many prospective buyers have begun to question some of the conventional wisdom associated with buying a home. While such skepticism might be a healthy attitude in the current market, prospective buyers — particularly those who have never purchased a home before — should avoid the following mistakes that buyers make regardless of whether the market is up or down.

part the result of predatory lending that saw banks grant excessive loans to applicants who, in hindsight, could not actually afford all that they were approved to borrow. The result was many people buying homes they could not afford, and then suffering some steep consequences, including foreclosure, when the first mortgage payment came due or the interest rate rose. First-time and even veteran buyers must avoid shooting for the moon when it comes to buying a home, and instead only buy one they know they can afford. What the banks says you can afford isn’t always the same as what you know you can afford. Only buy a home you know you can afford, regardless of whether the bank has approved you for a larger loan.

The process of buying a home can be an emotional roller coaster ride, with feelings of excitement mixed in with exhaustion, fear and uncertainty.

• Failure to get qualified beforehand. Mortgage qualification is essential when buying a home, as it gives buyers preapproval for a loan before they make any offers. Making an offer on a home before you know what the bank is willing to lend you is a waste of time for everyone involved, including you, the seller and the real estate agents involved. Some agents will not show a home if you don’t have a preapproval. Once preapproved for a loan, don’t take any steps that might put that approval in jeopardy. This includes anything that might drastically alter your credit score.

• Being blindsided by additional costs. First-time homebuyers, once they have moved into their home, often experience some sticker shock when the additional expenses associated with home ownership arise. These additional expenses include property tax and insurance costs and can be substantial. Even those buying a condominium or co-op should expect monthly maintenance fees even if their new place is brand new and needs no maintenance. • Shooting for the moon. The ongoing recession is in

• Pigeonholing yourself into an inadequate living situation. Just like buyers shouldn’t go overboard, they also must avoid compromising on the things that are most important to them. For example, many of today’s buyers, fully aware of the rash of foreclosures and all the housing horror stories of the last several years, are reticent to commit to a home, and might compromise with a condo or co-op. But if a home is what you really want, and another living situation that mirrors apartment life is going to make you miserable, don’t settle for that situation for the sake of security. Doing so could cost you financially, especially when you realize the situation isn’t what you’d hoped for and look to sell earlier than is ideal. • Skimping on the cost of an inspector. An inspector is your last chance to find out if a home is your dream home or a money pit. Even if a house appears to be everything you want, don’t close on the sale until the house has been thoroughly inspected. The old adage that advises against judging a book by its cover certainly applies to buying a home, and prospective buyers should enlist the services of a qualified inspector before closing on the sale of a home.

HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 33

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7971 CRESCENT BEACH ROAD SAND POINT, MICHIGAN 48755 Toll Free 866-595-4962 (989) 856-4962 E-Mail: scenicre@avci.net www.scenicrealtyco.com

Selling dreams for 51 years!

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HOMES AND MORE • 35

WATERFURNACE UNITS QUALIFY FOR A 30% FEDERAL TAX CREDIT

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You may not realize it, but your home is sitting on a free and renewable supply of energy. A WaterFurnace geothermal comfort system taps into the stored solar energy in your own backyard to provide savings of up to 70% on heating, cooling and hot water. That’s money in the bank and a smart investment in your family’s comfort. Contact B&D Heating, Cooling, & Plumbing today to learn how to tap into your buried treasure.

(989) 269-5280 (800) 515-1117

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36 • HOMES AND MORE

www.michigansthumb.com • HURON DAILY TRIBUNE

Surviving buying your first home The lowest home prices in years and tax incentives are driving many people to purchase their first home. Few things are simultaneously as exciting and nerve wracking as becoming a homeowner. Preparation can make sure individuals are covering all of the bases. First time home buyers easily can be overwhelmed by the process of buying a home. In addition to the legal hurdles associated with purchasing a home, the stress of committing such a substantial amount of money can lead to some sleepless nights. But first time home buyers in the market for a home can prepare themselves for the process ahead of time. Though the following tips might not guarantee a smooth and stress-free home buying experience, they can answer a few questions and facilitate the process. • Establish your price range. As the housing crisis of the last several

years indicated, many homeowners got in well over their heads. Some lost their homes to foreclosure, while others found it extremely difficult to pay their mortgage each month. First time buyers can avoid such scenarios by honestly assessing what they can afford and searching for homes within their price range. A host of Web sites, including some lender sites, provide free mortgage calculators so buyers can see just what they can afford. Lenders often recommend spending less than 30 percent of income on housing costs. • Research rates and taxes. Certain external factors beyond the price of the home will factor into a homeowner’s monthly financial commitment. Taxes and homeowner’s insurance can vary greatly depending on a home’s location. Research property taxes in different communities, and shop around for homeowner’s insurance when looking for a home. • Expect to pay costs. Closing

costs are often a big shock to first time home buyers. Closing costs include lender fees, title and settlement fees, taxes, and homeowners insurance or homeowners association fees. Bankrate.com provides an annul closing cost survey for buyers to get a better feel of just what they will be spending when the time comes to sign on the dotted line. A lender can also give an estimate of what the fees may total. • Consult some professionals. Real estate professionals in the area might be able to paint a picture of what the real estate market is like at the moment. Prices might be on the rise, on the decline or remaining steady. If looking in a specific area, consult with a real estate agent about the area and what to expect. When shopping for a home for the first time, buyers should expect the unexpected. However, the surprise element can be reduced if buyers do their homework before beginning the buying process.

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HOMES AND MORE • 37

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BAY PORT CONSTRUCTION COMPANY

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989-656-0405 *FULLY LICENSED*

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Bay Port

•General Contractor •Residential •Commercial •Additions •Remodeling 38 • HOMES AND MORE

National Association of Certified Home Inspectors Mark A. Roggenbuck, Inspector 5160 Rapson Rd., Harbor Beach 989.479.6129 Leave Message 989.712.0612 Cell Phone E-Mail: MSHI48441@hotmail.com

www.michigansthumb.com • HURON DAILY TRIBUNE

1-800-508-7654 REALTY

(989)

CO.LLC

Hours: Monday thru Saturday 9 a.m. to 4:30 p.m. Sunday by Appointment

Visit us on the Internet at: www.davidlkraftrealtyco.com www.realtor.com • www.thumbmls.com www.realestate-mls.com

856-SOLD

6621 Main Street Caseville, MI 48725 • E-mail: dlkraft@davidlkraftrealtyco.com $119,900

11549 Patrick Dr. Sebewaing LAKE VIEW/ACCESS: 3 bedroom, 2 bath home.

$149,900

$1,250,000

$147,000

$419,000

$339,000

8796 Crescent Beach Rd. Sand Point/Pigeon LAKEFRONT HOME: 4 bedroom, 2 bath ranch.

8816 Crescent Beach Rd. Sand Point/Pigeon LAKE FRONT SANDY BEACH NORTH SHORE OF SAND POINT: Great 3 bedroom, 2 bath ranch.

$349,000

$153,200

8588 Crescent Beach Rd. Sand Point/Pigeon LAKE FRONT: North Shore, 4 bedrooms, 2 bath

9017 Point Charities Ave. Sand Point/Pigeon LAKE FRONT HOME: 2 bedroom, 1 bath ranch home.

$165,000

9007 Point Charities Ave. Sand Point/Pigeon LAKE FRONT SOUTH SHORE: 5 bedroom, 2 bath, 2 story home. DAVE KRAFT MAY PG1.indd 1

$495,000

8539 Point Charities Ave. Sand Point/Pigeon 8671 Point Charities Ave. Sand Point/Pigeon LAKE FRONT SOUTH SHORE: 2 bedroom, 1 bath LAKE FRONT ON SOUTH SHORE: 7 bed, 3 bath home. home.

$184,000

8677 Point Charities Ave. Sand Point/Pigeon LAKE FRONT HOME: 3 bed, 1 bath home or cottage.

$315,000

9923 Sunset Boulevard Sand Point/Pigeon 8572 Crescent Beach Rd. Sand Point/Pigeon LAKE FRONT LUXURY HOME: 5 bedroom, 4 full & LAKE FRONT COTTAGE: 2 bedroom, 1 bath cottage with loft. 3 half bath brick home.

$925,000

9903 Sunset Boulevard Sand Point/Pigeon LAKE FRONT HOME: 4 bedroom + loft, 5-1/2 bathroom brick home.

$79,000

4367 Chippewa Dr. Sand Point/Pigeon 8579 Crescent Beach Rd. Sand Point/Pigeon CANAL HOME: 3 bedroom, 2 bath home. LAKE ACCESS: 3 bedroom, 2 bath ranch home.

$139,620

4430 Betty Road Sand Point/Pigeon LAKE ACCESS: 3 bedroom, 2 bath ranch home.

David L. Kraft

ranch home.

4/25/12 12:57:30 PM

1-800-508-7654 REALTY

(989)

CO.LLC

856-SOLD

Hours: Monday thru Saturday 9 a.m. to 4:30 p.m. Sunday by Appointment

Visit us on the Internet at: www.davidlkraftrealtyco.com www.realtor.com • www.thumbmls.com www.realestate-mls.com

6621 Main Street Caseville, MI 48725 • E-mail: dlkraft@davidlkraftrealtyco.com $339,000

4518 Shelby Ann Ct Sand Point/Pigeon ALMOST LAKE FRONT, LAKE VIEW / ACCESS: 3 bedroom, 3 bath home

$148,900

$125,000

David L. Kraft $299,900

Sand Point/Pigeon 4379 Iroquois Dr. Sand Point/Pigeon 9630 Shore Dr. LAKE FRONT HOME OR COTTAGE: 3 bedroom, CANAL HOME: 3 bedroom, 2 bath chalet. 1 bath ranch.

$690,000

$72,960

Port Austin 9023 Point Charities Ave. Sand Point/Pigeon 8776 Crescent Beach Rd. Sand Point/Pigeon 8563 E. Forest Creek Dr. CONDO WITH POND VIEW: 2 bed, 2 bath LAKE FRONT HOME: 3 bedroom, 3-1/2 bath LAKE FRONT: 2 Bedroom, 1-1/2 bath ranch. ranch condo ranch home.

$90,000

2255 Port Austin Rd. Port Austin CHALET IN THE WOODS: 3 bedroom, 2 bath home.

$149,900

8338 Port Austin Rd. Pigeon LAKE FRONT HOME: 4 bedroom, 1 bath home on 5.6 acres.

$149,900

5668 W. Kinde Rd. COUNTRY HOME: 3 bedroom, 2 bath Contemporary Ranch. DAVE KRAFT MAY PG2.indd 1

Caseville

$143,000

$144,960

Port Austin 3305 Sand Rd. Port Austin 3240 Port Austin Rd. LAKE ACCESS COTTAGE: 2 bedroom + sleeping HOME IN THE WOODS: 3 bedroom, 2 bath loft, 1-1/2 bath 1-1/2 story. 1-3/4 story home.

$110,000

6277 Main St. Caseville LARGE COMMERCIAL PARCEL: 40’ x 40’ pole building with 197.10’ frontage on M-25.

$129,900

$104,900

7003 Main St. Caseville COMMERCIAL BUILDING: Two story, block and frame structure.

$155,000

Caseville 5889 Oak Point Dr. Caseville 5995 Yvonne Dr. LAKE ACCESS COUNTRY HOME IN THE LAKE ACCESS COTTAGE: 2 bedroom, 1 bath WOODS: 4 bedroom, 3 full and 1 half bath home. lake view home. 4/25/12 12:57:59 PM

1-800-508-7654 REALTY

(989)

CO.LLC

856-SOLD

Hours: Monday thru Saturday 9 a.m. to 4:30 p.m. Sunday by Appointment

Visit us on the Internet at: www.davidlkraftrealtyco.com www.realtor.com • www.thumbmls.com www.realestate-mls.com

6621 Main Street Caseville, MI 48725 • E-mail: dlkraft@davidlkraftrealtyco.com $149,000

5857 Wallace Dr. Caseville LAKE ACCESS: 4 bedroom, 2 bath home.

$225,000

7388 Port Austin Rd. Caseville LAKE FRONT HOME: 3 bedroom, 2 bath home.

$319,000

5830 Oak Point Dr. Caseville LAKE FRONT HOME: 3 bedroom, 1-1/2 bath ranch home.

$179,500

6770 Slavin Rd. Caseville LAKE ACCESS: 3 bedroom, 1-1/2 bath ranch. Year round home on the Lakeside of M-25.

$89,000

6458 Terrie Dr. Caseville RIVER FRONT HOME: 3 bedroom, 2 bath manufactured ranch home. DAVE KRAFT MAY PG3.indd 1

$150,000

David L. Kraft $350,000

3897 Port Austin Rd. Caseville 5927 Port Austin Rd. Caseville LAKE FRONT COTTAGE: 2 bedroom, 1 bath LAKE FRONT HOME: on 77 acres on Little ranch. Doerr Lake. 3 bed, 2 bath, 2 story 1/2 log home.

$345,000

$132,000

Caseville 4954 Port Austin Rd. Caseville 7442 Port Austin Rd. LAKE FRONT COTTAGE: 2 bedroom, 1 bath LAKEFRONT HOME: 3 bedroom, 1-1/2 bath cottage. home.

$389,900

$525,000

4620 Port Austin Rd. Caseville LAKE FRONT: 5 bedroom, 1-1/2 bath 2 story home.

5828 Oak Point Dr. Caseville LAKE FRONT HOME: 3 bedroom, 3 bath 1-1/2 story home.

$550,000

$795,000

7521 Port Austin Rd. Caseville MITCH’S AT HIDDEN HARBOUR, RESTAURANT: Overlooking Hidden Harbour Golf Course.

$95,000

6540 Main St. Caseville EXCELLENT OPPORTUNITY: Riverside Roadhouse. Thriving business in downtown Caseville.

$189,900

Bay Port 6916 Beadle St. Caseville 10335 Pigeon Rd. LAKE FRONT HOME: The former “Fin & Feather RIVER FRONT: Beautifully maintained 3 bed, Club” now a 3 bedroom, 2 bath private residence. 2 bath manufactured home. 4/25/12 12:58:32 PM

1-800-508-7654 REALTY

(989)

CO.LLC

856-SOLD

Hours: Monday thru Saturday 9 a.m. to 4:30 p.m. Sunday by Appointment

Visit us on the Internet at: www.davidlkraftrealtyco.com www.realtor.com • www.thumbmls.com www.realestate-mls.com

6621 Main Street Caseville, MI 48725 • E-mail: dlkraft@davidlkraftrealtyco.com

Country living at its best in the beautiful Glen at Irish Springs condominium development. Duplex condos, single family homes, lake and wooded building sites available. The Glen offers secluded, tranquil living with walking trails, canoeing, ﬁshing, private park with beach, private paved and lighted streets and a 20-acre lake. Lush shade trees abound. All utility lines are underground. Located just three miles north of Caseville, the Glen is close to golf & country clubs, marinas, amusement centers, two gorgeous state parks and several county parks. Great summer and winter ﬁshing as well as year around recreational activities. Association dues of $50 per month for vacant lots and $125 per month for homes make for maintenance-free living. Service includes exterior window washing twice a year, snow removal for driveway and sidewalk, garbage pickup, water, maintenance of sprinkler system, shrubs and lawn, and access to all common areas and trails and park. $179,900

5733 Kilkenny Dr. Unit D15A Caseville COUNTRY LIVING: 2 bedroom, 2 bath condo at the Glen at Irish Springs. DAVE KRAFT MAY PG4.indd 1

$109,900

David L. Kraft

Lake Access Lots: $8,500 - $33,900 Lake Front Lots: $39,900 - $59,900 Condos Unﬁnished Shell: $109,900

$109,900

5732 County Kerry Dr., Unit D12A Caseville 5732 County Kerry Dr., Unit D12B Caseville COUNTRY LIVING: 2 bedroom, 2 bath unﬁnCOUNTRY LIVING: 2 bedroom, 2 bath unﬁnished condo model at the Glen at Irish Springs. ished condo model at the Glen at Irish Springs. 4/25/12 12:59:02 PM

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HOMES AND MORE • 43

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6451 Main Street

8855 S. Unionville Road

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44 • HOMES AND MORE

www.michigansthumb.com • HURON DAILY TRIBUNE

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8855 S. Unionville Road

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 45

Real Estate One Power Associates www.realestateone.com CASEVILLE: (989) 856-2980 1-800-743-2854

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HARBOR BEACH: (989) 479-3225 �� 1-800-800-5832 ��

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46 • HOMES AND MORE

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TERRI L. WIECHERT 989-550-4467

terriw@avci.net www.michigansthumb.com • HURON DAILY TRIBUNE

Real Estate One Associates

www.realestateone.com Power CASEVILLE: (989) 856-2980 1-800-743-2854

HARBOR BEACH: (989) 479-3225 1-800-800-5832

www.michigan-mls.com www.thumbhomes.com www.thumbmls.com

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 47

Real Estate One Power Associates ��

www.realestateone.com CASEVILLE: (989) 856-2980 1-800-743-2854

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48 • HOMES AND MORE

BERNICE LOEHER 989-673-5525 or 989-670-5525

www.michigansthumb.com • HURON DAILY TRIBUNE

Real Estate One Power Associates www.realestateone.com CASEVILLE: (989) 856-2980 1-800-743-2854

HARBOR BEACH: (989) 479-3225 �� 1-800-800-5832 ��

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JODI M. SMITH 989-550-4330 jmsmith@airadv.net TERRI L. WIECHERT 989-550-4467 terriw@avci.net www.realestate-mls.com CALL:

HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 49

Real Estate One

www.realestateone.com Power Associates �� CASEVILLE: HARBOR BEACH: (989) 856-2980 (989) 479-3225 1-800-743-2854 1-800-800-5832

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www.michigan-mls.com www.thumbhomes.com www.thumbmls.com

WATERFRONT/100’ FRONTAGE SAGINAW BAY �� $550,000

RIVERFRONT/CASEVILLE: �� $154,400

LUXURIOUS LAKEFRONT: ��

WATERFRONT/Point of Sand Point Sub’d: � WATERFRONT/CANAL LOT: � ��

LAKEFRONT/South Shore of Sand Point: �� $245,900

WATERFRONT/CANAL: �� $215,000

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WATERFRONT/Port Austin: �� Lake Huron�� $229,000

LARRY & JOYCE WERNER

www.realestate-mls.com

50 • HOMES AND MORE

LAKEFRONT/Point of Sand Point Sub’d: �� 100 ft. frontage on Saginaw Bay�� $375,000

989-550-2005/989-856-3731

email: lwerner@avci.net www.michigansthumb.com • HURON DAILY TRIBUNE

Real Estate One

www.realestateone.com Power Associates �� CASEVILLE: HARBOR BEACH: (989) 856-2980 (989) 479-3225 1-800-743-2854 1-800-800-5832

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email: lwerner@avci.net HURON DAILY TRIBUNE • www.michigansthumb.com HOMES AND MORE • 51 www.realestate-mls.com

RealPower Estate One Associates CASEVILLE: (989) 856-2980 1-800-743-2854

www.realestate-mls.com

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HARBOR BEACH: www.realestateone.com (989) 479-3225 BAD AXE: 1-800-800-5832 (989) 269-9775

www.michigan-mls.com www.thumbhomes.com www.thumbmls.com 1-800-743-2859

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www.realestate-mls.com

52 • HOMES AND MORE

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DEBBIE GRAHAM 810-705-2442

reodebbie@yahoo.com

www.michigansthumb.com • HURON DAILY TRIBUNE

RealPower Estate One Associates CASEVILLE: (989) 856-2980 1-800-743-2854

www.realestate-mls.com

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HARBOR BEACH: www.realestateone.com (989) 479-3225 BAD AXE: 1-800-800-5832 (989) 269-9775

www.michigan-mls.com www.thumbhomes.com www.thumbmls.com 1-800-743-2859

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DEBBIE GRAHAM 810-705-2442

reodebbie@yahoo.com

HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 53

6605 MAIN STREET CASEVILLE, MI 989-430-5374 1006 N. VAN DYKE BAD AXE, MI 989-269-6231

Marilyn K. Bruce

Broker/Owner

EQUAL HOUSING OPPORTUNITY

mkbruce14@hotmail.com

Serving All Of HuronCounty for over 50 years! Professionalism Integrity Honesty Outstanding Service

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Every king deserves a castle! Let Osentoski Realty help you find yours!

989-430-5374

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Caseville

54 • HOMES AND MORE

Bad Axe

Port Austin

www.michigansthumb.com • HURON DAILY TRIBUNE

6605 MAIN STREET CASEVILLE, MI 989-430-5374 1006 N. VAN DYKE BAD AXE, MI 989-269-6231

Marilyn K. Bruce ��

Broker/Owner

EQUAL HOUSING OPPORTUNITY

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HURON DAILY TRIBUNE • www.michigansthumb.com

Port Austin

HOMES AND MORE • 55

8736 LAKE STREET PORT AUSTIN, MI 6605 MAIN STREET CASEVILLE, MI

CASEY BRUCE

ASSOC. BROKER/OWNER Life247@hotmail.com

1006 N. VAN DYKE BAD AXE, MI

989-430-7542

www.shorelineretreat.com www.osentoski-upperthumb.com

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www.michigansthumb.com • HURON DAILY TRIBUNE

8736 LAKE STREET PORT AUSTIN, MI 6605 MAIN STREET CASEVILLE, MI

CASEY BRUCE

ASSOC. BROKER/OWNER Life247@hotmail.com

989-430-7542

1006 N. VAN DYKE BAD AXE, MI

www.shorelineretreat.com www.osentoski-upperthumb.com

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HOMES AND MORE • 57

8736 LAKE STREET PORT AUSTIN, MI 6605 MAIN STREET CASEVILLE, MI

CASEY BRUCE

ASSOC. BROKER/OWNER Life247@hotmail.com

989-430-7542

1006 N. VAN DYKE BAD AXE, MI

www.shorelineretreat.com www.osentoski-upperthumb.com

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58 • HOMES AND MORE

www.michigansthumb.com • HURON DAILY TRIBUNE

1006 N. Van Dyke Bad Axe, MI Cell: 989-712-0050 989-269-6231

E-mail: dellicot@avci.net

DIANE ELLICOTT

Associate Broker Office Manager

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HOMES AND MORE • 59

1006 N. Van Dyke Bad Axe, MI Cell: 989-712-0050 989-269-6231 DIANE ELLICOTT

Associate Broker Office Manager

E-mail: dellicot@avci.net

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1006 N. Van Dyke Bad Axe, MI Cell: 989-315-1016 989-269-6231

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www.michigansthumb.com • HURON DAILY TRIBUNE

6605 Main Street Caseville, MI 989-856-3778

TOM VIERS and KAY VIERS Sales Agent Cell: 989-550-5489

BAD AXE 989-269-6231

E-mail: tkviers@avci.net www.osentoski-upperthumb.com

PORT AUSTIN 989-738-5251

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 61

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Caseville 989-856-3887

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989-450-1739

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8572 Berne Road Bay Port

HOMES AND MORE • 63

The basics of property taxes

aying property taxes is a necessary side effect of home ownership. Across the United States and Canada, residents are required to pay property taxes based on an assessment of their homes’ value. Taxes on land and the buildings on it are one of the biggest sources of revenue for local governments. In the United States, property taxes are not imposed by the states, but by the smaller governing bodies in cities, towns, townships, counties, and other jurisdictions. In Canada, property taxes, or milliage taxes, are levied by the jurisdiction in which the property is located. They may be paid to a federated state or a municipality or the national government. Sometimes multiple jurisdictions may tax the same property. Although the taxes are mandated by a higher governing power, the rate at which you pay taxes could be based on a very local assessment of the area in which your house is located and the current market conditions. An assessor will visit a home — usually prior to purchase — and make a determination on the percentage of tax to be paid depending on the condition of the home, the improvements that have been made and the climate of the economy in your particular town or city. Property taxes are usually calculated by taking the assessed value of your home and multiplying it by the tax rate that has been determined by your local government. While no one can “legally” escape paying property taxes, there are several ways to have them lowered. Getting your home re-assessed is one such way. Individuals who have reached a certain age may be eligible for certain discounts on property taxes. But this may require a very low income to qualify. There are also some tax credits or homestead exemptions that may qualify you for a limited assessed value on the property. According to data from the Tax Foundation and Forbes, areas of New Jersey, New York and Illinois boast some of the highest property taxes. Residents of Hunterdon County, New Jersey paid on average $8,600 a year between 2005 and 2009. Those in Lake County, Illinois pay around $6,500. People living in Westchester County, New York can plan on spending $8,400 per year. Statistics indicate that homes located in Ontario cities in central Canada have the highest property taxes. Toronto residents, for example, pay an average of $3,900.

64 • HOMES AND MORE

In this tough economy, lowering property taxes (which are generally rolled into the mortgage amount for ease of payment) could substantially reduce bills. As many as 60 percent of properties across the United States are overassessed, according to the National Taxpayers Union, a nonprofit group that promotes lower taxes. If you suspect your property taxes are high, here are the steps to take. • Get a copy of your property tax assessment from the local assessor’s office and double-check all the information contained to see if it is correct. • Check the assessments of five comparable homes that have sold in your neighborhood in the last three years.

Paying property taxes is a necessary side effect of home ownership. Across the United States and Canada, residents are required to pay property taxes based on an assessment of their homes’ value.

• An independent appraiser can also provide you accurate information at a cost. Make sure he or she is licensed with the National Association of Independent Fee Appraisers or by the American Society of Appraisers. • It’s not possible to lower the property tax rate, just the assessed value of the home through an official appeal. There may be fees associated with this appeal, however. Some home improvements will increase the value of your home and, in turn, your property taxes. Here are some of the most common culprits:

- extra stories to the home - outhouses, like a guest house - sports courts, like tennis - installation of an inground pool - improvements to fencing - addition of a garage or another room on the home A change in the status of a neighborhood can also give rise to higher property taxes. An influx of new residents or new construction of stores and homes can have a major effect on the assessed value of your home.

www.michigansthumb.com • HURON DAILY TRIBUNE

IT TAKES A “TEAM”… TO MAKE A DIFFERENCE! Nancy Mattice

Brenda Heilig

Mark Dale

Mark Kowaleski

Danny DeWolf

Rose Cooper

Travis Chinoski

Brenda Young

Jayne White

SUNRISE TEAM

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HOMES AND MORE • 65

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www.teamsunrise.net

Nancy Mattice

LAKEFRONT REDUCED

Sales Professional

Cell: (231) 282-4379

Serving Michigan’s Thumb

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Cell: (248) 310-3074 Serving Michigan’s Thumb

866-738-2255 Toll Free Port Austin

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HURON DAILY TRIBUNE • www.michigansthumb.com

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HOMES AND MORE • 67

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Mark Kowaleski

Sales Professional

Cell: (248) 550-5106 Serving Michigan’s Thumb

866-738-2255 Toll Free Harbor Beach

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Mark Kowaleski

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866-738-2255 Toll Free

Harbor Beach

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Mark Dale

Sales Professional

Cell: (734) 276-9008 Serving Michigan’s Thumb

866-738-2255 Toll Free

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HURON DAILY TRIBUNE • www.michigansthumb.com

HOMES AND MORE • 69

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Rose Cooper

Sales Professional

–SFR Certified–

Cell: (989) 550-8361 Serving Michigan’s Thumb

866-738-2255 Toll Free Port Austin/Caseville

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HURON DAILY TRIBUNE • www.michigansthumb.com

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HOMES AND MORE • 71

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Rose Cooper

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Cell: (989) 550-8361 Serving Michigan’s Thumb

866-738-2255 Toll Free Port Austin/Caseville

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Travis Chinoski

Sales Professional

Cell: (989) 529-5557

Serving Michigan’s Thumb

866-738-2255 Toll Free Bad Axe

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HURON DAILY TRIBUNE • www.michigansthumb.com

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HOMES AND MORE • 73

Beach Easement

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www.teamsunrise.net

Brenda Heilig

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Beach Access

www.teamsunrise.net

Brenda Heilig

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Cell: (989) 975-8746 Serving Michigan’s Thumb Toll Free: (866) 738-2255 Port Austin

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Professional Real Estate Services

www.teamsunrise.net

Jayne White

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Cell: (480) 734-9499 Serving Michigan’s Thumb Toll Free: (866) 738-2255 Port Austin

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Brenda Young

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HOMES AND MORE • 77

WONDERFUL FAMILY HOMES

AFFORDABLE

PRICES!

Call Lori Babcock for more information

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PORT AUSTIN

Lake Street 989-738-HOME (4663) 877-738-8491 Toll Free

www.c21babcockrealty.com www.thumbhome.com Mon.-Fri. 9-4 • Sat. 10-2 • Sun. By Appt.

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Call Lori Babcock for more information

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www.c21babcockrealty.com/354506

www.c21babcockrealty.com/300367

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WONDERFUL FAMILY HOMES

AFFORDABLE

PRICES!

www.c21babcockrealty.com/344646

Babcock Realty Direct 989-550-7936

Lori J. Babcock Broker/Owner

PORT AUSTIN

Lake Street 989-738-HOME (4663) 877-738-8491 Toll Free

www.c21babcockrealty.com www.thumbhome.com Mon.-Fri. 9-4 • Sat. 10-2 • Sun. By Appt.

187 Farrar, Port Austin. SUNSET & SUNRISES over Lake Huron is only one of the nice features of this charming 2 bedroom, 2 bath home. It is located in a most desirable area of Port Austin with beach access only steps away & walking distance to town. $149,900.

www.c21babcockrealty.com/322828

www.c21babcockrealty.com/344255

www.c21babcockrealty.com/302967

3161 Shore, Port Austin. This lovely 3 BR, 2 BA, Modular Home on a double lot is located on a tree-lined street on the lakeside of M25. You can walk to the sandy beach easements located nearby. REDUCED

1400 Towering Oaks, Port Austin. Beautiful 2 story home has 3 BR’s, 2.5 BA & a bonus room over the garage. Home is located in a lovely Private Gated Community that features city water/sewer and a pool for association members. $219,500

8399 Scenic Drive, Port Austin. Wonderful 3 BR riverfront summer cottage, 120’ of river frontage, plus an additional 50x100 side lot. This cute Lake Access cottage is a perfection vacation get-away! $139,900

www.c21babcockrealty.com/343217

www.c21babcockrealty.com/295004

www.c21babcockrealty.com/319772

3849 Shady Lane, Caseville. Quiet & cozy getaway in a peaceful wooded setting, surrounded by wildlife & the beauty of nature, comes with an added bonus - an additional 150x219 lot that offers a spacious barn. $99,500

5316 N. Van Dyke, Kinde. Well-maintained home, updated in 2002 with new siding, roof, furnace, plumbing, electrical, kitchen, and with an addition that includes a family room, 2-5 car garage & much more! The family room could be used as a 3rd bedroom. $84,900

53 Grindstone, Port Austin. Great family home with a commercially zoned side lot that will bring in some income. The home offers hardwood floors, large family kitchen with eating bar and a family room. The 18x36 indoor heated pool is enclosed in the 30x50 building. Great for kids. $99,500

www.c21babcockrealty.com/308467

www.c21babcockrealty.com/354965

www.c21babcockrealty.com/347154

PENDIN

7926 State St., Port Hope. This spacious & lovely Cape Cod 4 BR, 2-1/2 BA modular home would be perfect for a large family, with approx. 2300 sq. ft., granite tile countertops, large designer kitchen sink and faucets, & 6 panel doors throughout. $132,000

6740 N. Van Dyke, Port Austin. This well-maintained 3 BR, 2 BA tri-level home is nestled in a secluded, wooded country setting, completely hidden from passing traffic. New roof in 2004, newer garage door, Andersen slider, & newer appliances. $132,500

408 Whitelam, Bad Axe. Delightful 3 BR, 1-1/2 BA family home ! Your family will love relaxing on the covered porch on warm, summer evenings. The home has been newly painted, with updated furnace, some windows, carpet, and new tile in the kitchen and bath. $42,500

www.c21babcockrealty.com/354852

www.c21babcockrealty.com/347171

www.c21babcockrealty.com/347577

555 Pointe Aux Barques, Port Austin. This very nice 2 bedroom, 2 bath ranch home is located just outside the village limits, on a nice sized lot that is bordered by trees. An asphalt drive leads up to a cute cabin in the rear of the home, that could be fixed up for guests, or made into a nice workshop. $79,900

8350 New River Rd., Port Austin. All you will need is your HAT because everything is included in this 2 BR 1265 sq. ft. mobile home with a 16x24 addition located in a beautiful & secluded, wooded setting. The home has a covered deck, a 2 car detached garage, and a rustic 8x12 cabin for guests to enjoy! $95,000

8292 Tip O Thumb, Port Austin. This lovely 3 BR, 2 BA mfg. home is located east of Port Austin In a quiet, secluded setting. Home offers a spacious living room, master bedroom with adj. bath w/skylight, well organized kitchen with eating area and with lots of cupboard and counter space, plus an additional dining area. $79,900

CASEVILLE, 6820 MAIN ST. * 800-554-3970 BAD AXE, 791 S. VAN DYKE * 800-638-6476 Century 21 - INSIDE BACK.indd 1

BAD AXE, 2966 PIGEON RD. * 888-446-6371 HARBOR BEACH, 119 STATE ST. * 888-399-3878

Each office independently owned & operated

4/25/12 12:57:17 PM