LISTING SPOTLIGHT
SNAIL LAKE WATER FRONT
$ 1 . 2 M
Newconstructionlakehomecommunityalert!
TheHarborShorescommunityiscurrentlyin processonthe east shore of Snail Lake in the Moundsview school district. This 22 lot development features on and off lake lots and villa homes constructed by Wooddale Builders. Essential service HOA ensures a low-maintenance lifestyle amidst the perfect Shoreview lake life setting. Want to check them out?
EXPOSEPLUMBING
Letyourhome’swarmth protectyourpipes!Open cabinetdoorsundersinksin thekitchen,bathroom,and laundryroom,especiallyif they’reonexteriorwalls.
USESPACEHEATERS& FANS
Aspaceheatercanworkin unheatedareaslike basementsorattics.Placeit nearpipestokeepthem warm.Blowwarmairintothe areawithafanifyour crawlspaceaccessisindoors.
BOOSTINSULATION
Insulationisyourfirstlineof defense.Startwithexposed pipesandusefoam,fiberglass pipewrap,orfoiltape.Cover outdoorfaucetswithfoam coversorsimilar.
LETFAUCETSDRIP
Letfaucetsdripifyou’re headingoutoftownorbracing forextremecold.Evenaslow trickleofwatercanprevent freezingbykeepingthewater movingthroughyoursystem. Bytakingtheseproactivesteps,you’llprotect yourhome’splumbingandsaveyourselffrom theheadachesandexpensesofburstpipes. Staywarm,andstayprepared!
Thismethodconsidersyour incomeandalldebts.It recommends: Nomorethan28%ofyour grossincomeforyour mortgage.Alldebts(including yourmortgage)stayunder 36%ofyourgrossincome. Example:Witha$10,000gross monthlyincome,youcan spendupto$2,800onyour mortgageandkeepother debtsunder$800/month.
THE 35/45 RULE
Thisapproachallowsformore flexibility.Yourtotaldebts shouldstaybelow: 35%ofyourgrossincome (beforetaxes).45%ofyour netincome(aftertaxes).
Example:With$9,000before taxesand$7,500aftertaxes, youraffordablerangefor housingpaymentsisbetween $3,150and$3,375/month.
LAKE LISTINGS!
LAKE LISTINGS!
LAKE LISTINGS!
TESTIMONIAL
"We were very concerned in planning the sale of our lake home after 28 years of ownership. Kayla was extraordinary. She recognized the best timing for the listing, where the property should be priced to the market, and the best plan to introduce our home to motivated buyers. It was a great success." K E N B .
