There's no place like Home-September 26, 2018 by LakerLutzNews

There’s no place like in PASCO & NORTH HILLSBOROUGH

ICI Model Homes Now For Sale in Bexley and Asturia

ne of Tampa’s most preeminent builders, ICI Homes, is selling its model homes in Bexley and Asturia in central Pasco County. “Both homes have top-of-the-line upgrades and are a tremendous value for families looking to move this fall,” said Sales Manager Leah Turner. Both Asturia and Bexley are master-planned communities located on State Road 54 close to the Suncoast Parkway. In Asturia, ICI Homes’ model is a one-story Serena loaded with elegant upgrades that is built on a beautiful conservation lot. At 2,217 square feet, the Serena has four bedrooms, three baths and a two-car garage. Its unique grand foyer pulls you through the house with 12-foot ceilings, and its large kitchen and great room gracefully flow onto a covered lanai that stretches along the back of the home. Currently priced at $515,775. “This home never feels crowded, whether you’re relaxing with family, playing with the kids or entertaining friends,” said Turner. In Bexley, the spacious two-story Brooke model is 3,609 square feet with five bedrooms, four baths and garages for three vehicles. Currently priced at $835,280. “This remarkable home has cathedral ceilings in the living room that complement the open floor plan,” said Turner. “The owner’s suite is separated from all the other rooms, and has his-and-hers walk-in closets, a luxurious bath, enclosed shower and separate

ICI Homes is selling its model homes in Asturia and Bexley, including the spectacular Brooke plan with five bedrooms and four baths.

vanities. Upstairs are four additional bedrooms, two shared bathrooms and a multifunctional game room.” In addition to these beautifully decorated model homes, ICI Homes also has three, one-story inventory homes in Asturia that are ready now or will be by the end of the year. The Serena, Arden and Oakland range from 2,115 to 2,402 square feet, and have four bedrooms, three baths and two-car garages. Inventory homes, including the lot, begin at $397,421. ICI Homes are specifically designed for families with school-aged children, and offer the latest technology and innovative, open floor plans that connect large family gathering spaces to secluded study enclaves.

Families living in Bexley and Asturia are zoned to some of the best schools in Pasco County, including Land O’ Lakes and J.W. Mitchell high schools. Bexley has an elementary school located within the community that opened in 2017, and youngsters in Asturia attend highly rated Odessa Elementary. “We are ready to move quickly on all of our inventory homes, and will do everything we can to get a family settled as soon as possible,” said Ron Ferguson, division manager of the company’s West Florida Division.

MORE HOMES AT ASTURIA ICI Homes is continuing to build in Asturia with new models and in-

ventory homes in Asturia’s recently announced Phase Three, with new models and sales beginning in early 2019. “We’ve had tremendous success since we began building in Asturia in late 2017, and many families are looking forward to our new floor plans and pristine conservation and water lots available in Phase Three,” said Ferguson. ICI Homes will have 22 large home sites on 55-foot lots, and 16 premium, extra large 65-foot lots in Phase Three. Two new models are being built, with pricing beginning in the low $300,000s. “We are very pleased to be offering families new homes in this mid-point range that come with all the quality features, designs and construction methods that ICI Homes is known for,” said Ferguson. “Buyers are excited to get into a prestigious, ICI Home at this lower price point.” ICI Homes is one of Florida’s most premier builders, and for many years has been ranked in the Top 100 Builders in the nation by Builder Magazine. Established in 1980, the company has built over 4,000 singlefamily homes in Florida, and is the recipient of several prestigious awards for design and innovation. The Asturia sales center for ICI Homes is at 15134 Aviles Parkway in Odessa, (813) 359-0264. At Bexley, the sales center is at 16754 Courtyard Loop in Land O’ Lakes, (813) 5309069.

A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM

September 26, 2018

Family Fun At Asturia’s Fall Festival!

sturia, a masterplanned community in Odessa, is celebrating its third Fall Festival on Saturday, Oct. 13 from 2 p.m. to 4 p.m. New residents, future residents and families from neighboring communities are all invited to this free event open to the public. Fun activities for children and adults include hayrides, crafts, face painting, carnival rides, a bounce house, local vendors and a balloon artist. Hay will be provided for those wanting to stuff their own straw scarecrows (please bring your own pillowcase and old clothing). A variety of food trucks will be at the event. A portion of vendor proceeds will benefit Pasco Kids First, a nonprofit that is engaged in the prevention, assessment and treatment of child abuse and neglect.

BEAUTIFUL MODELS When Fall Festival guests are done enjoying the activities, they are invited to tour Asturia’s beautifully decorated model homes. Ashton Woods Homes, David Weekley Homes, ICI Homes and Ryan Homes are Asturia’s exclusive builders. Model homes have on-site agents to assist homebuyers in selecting their next residence. Builders offer a range of home sizes and architectural styles, with prices ranging from the mid $200,000s to over $500,000. Many inventory homes are available for families looking to move before the end of the year. The community’s newest builder is Ryan Homes, which has begun construction on rear-load townhomes that will sell in the mid $200,000. Townhomes will be located near the front of the community, walkable to Asturia’s Amenity Center. It’s been just three years since Asturia began selling homes, and al-

September 26, 2018

ready this award-winning development has moved into its third phase. Over 200 homes have been sold in its first two phases, and builders are planning new models for the opening of Phase Three in early 2019.

GREAT AMENITIES Asturia residents enjoy a kidfriendly, family-oriented lifestyle surrounded by miles of multi-use trails, interspersed with dog parks and pocket parks. Kids especially love the unique, domed-shaped Kompan playground. Everyone enjoys Asturia’s distinc-

tive, 5,800-square-foot Amenity Center and Clubhouse, with its fully equipped state-of-the-art fitness center, covered outdoor living rooms, a luxurious resort-style swimming pool and expansive lawn areas for recreation. When Asturia’s development is complete, it will likely have less than 550 single-family homes, compared to nearby planned communities with over 3,000 homes. Many people chose Asturia because they prefer the intimate neighborhood experience that comes with its modest community size.

Asturia is a mixed-use, masterplanned community located in the high-demand State Road 54 corridor in Pasco County. The community’s central location is just five minutes from the Suncoast Parkway and provides close proximity to U.S. 41, U.S. 19 and I-75. Its master plan incorporates retail, office, multifamily and a variety of single-family residential offerings. More information is available by visiting Asturia’s model homes, registering at the community’s website, AsturiaFlorida.com, or by calling (813) 510-3601.

A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM

Bexley Concert Series Offers Music, Meals and Hope

njoy an evening of live music and helping neighbors in need. That’s what residents in central and east Pasco have the opportunity to do when they attend Bexley’s annual Concerts for a Cause. The Bexley community, located in Land ‘O Lakes just off State Road 54 and the Suncoast Parkway, is gearing up for its third season of Concerts for a Cause, which begins on Oct. 6 and runs for four consecutive Saturday evenings through the month. Concerts are from 6 p.m. to 9 p.m. The series culminates with a Fall Festival on Oct. 27, complete with a pumpkin patch, face painting, food trucks, and costume contests for adults, children and pets. In lieu of an admission fee, concert-goers are asked to bring nonperishable food items, or make cash donations to Feeding Tampa Bay. Donations stay right in the Pasco County area, meaning neighbors who attend the concerts are truly helping their neighbors in need. Bexley’s concert series isn’t just for residents. The public is always welcome to attend. The community’s popular Twisted Sprocket Café is open until 9 p.m. on concert nights, and offers a variety of food and drink options. Robin Graffam started attending the Bexley concert series even before she moved into the community last August. She’s been to nearly every Concert for a Cause since. “We enjoy the music, and the kids enjoy running around and playing with each other,” said Graffam. “It’s cute to see all the kids and dogs dressed up for the Halloween costume contest. Plus, we always meet new people at the concerts.” As a newcomer to Bexley, Graffam credits the Concert for a Cause series for helping her family develop close friendships with fellow neighbors.

“Now, the families meet up with each other for holidays and kids’ play dates,” Gaffam added. Deirdre Bowman often brings her daughter and grandchildren to the concerts when they visit from California. “The music is appropriate for all ages and the concerts are a very family friendly environment,” she said. “I’m so glad they offer them.” “Concerts for a Cause has become one of the most popular events at Bexley,” noted Pam Parisi, vice president of marketing for Newland Communities, developers of Bexley. “Not only is it a great way to bring the community together, but the donations collected help so many people.” During last year’s Concert for a Cause series, concert-goers donated more than 4,000 meals to Feeding Tampa Bay. The lineup for this year’s Concerts for a Cause includes some of the most

popular bands in the region. From Me 2 You headlines on Oct. 6. The Rhythmics belt out pop, funk and dance music on Oct. 13. The acclaimed band, Frequency, takes the stage on Oct. 20, and Raydio will get the crowd on its feet during Bexley’s Fall Festival on Oct. 27. Concert-goers should bring blan-

kets and lawn chairs, and get ready for a great evening of music and fun for the whole family! For more information and directions, visit BexleyFlorida.com, or call (813) 425-7555. In case of inclement weather, be sure to check the Bexley Facebook page Facebook.com/bexleyflorida for updates.

There’s nothing better than living g in Bexley. It’s simply the best.* Two expansive, resor t-styyle pools, lush landscaping, a un u ique open-air game room with billiards and air hockey, and custom playgrounds are just the beginning. Take a loop around our pic ture u sque trails with plenty of outdoor Fit Stations along the way, before treating your taste buds at the Twisted Sprocket Café. * BEST means just that, award-winning-best: Top Master Planned Community in the Southeast Best Recreational Facility in the Southeast Best in American Living Award

New Homes $200k - $600k+ BexleyFlorida a com a. 16950 Vibrant Way, Land O’Lakes, FLL 34638

Newland Communities is the largest private developer of planned mixed-use communities in the United States. With our partner, North America Sekisui House, LLC, we w believe it is our responsibility to t create communities for people to live life in ways tha h t matt er most to them. www.newlandcommunities.co om | www.nashcommunities.com NASH Bexley, LLC (“Fe e Owner”) is the owner and developer of the Bexley Communit y (“Communit y”). Cer tain homebuilder s unaf filiated with the Fee Owner or its related entities are building homes in the Communit y (“Builder(s)”). Fee Owner has retaine d Newland Communities solely as the proper t y manager for the Communit y. Nor th A merica Sekisui House has an interest in one of the member s in Fee Owner. See w w w.bexley florida.com for full terms of use. This is not intended to be an of fer to sell or a solicitation of of fer s to buy real estate in the Bexley Communit y to residents of Connecticut, Hawaii, Idaho, Illinois, New Yo York, New Jer sey, and Ore gon, or in any other jurisdiction where prohibite d by law. © 2018 Bexley. A ll rights reser ved. Bexley is a trademark of NASH Bexley, LLC, and may not be copie d, imitate d or use d, in whole or in par t, without prior writ ten permission. EQUAL HOUSING OPPORTUNIT Y

A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM

September 26, 2018

14 Beautiful Ashton Woods Homes Ready For Your Family Located in Prestigious Asturia, Close To Everything

shton Woods is in its final sales phase at Asturia, with 80 percent of homesites sold since the community opened two years ago. “We’ve had tremendous success in Asturia, selling over 100 singlefamily homes in this much-desired community,” said Sales Manager Kristin Wilson. “We have under 40 homes available for sale, and expect all to be completed by the end of the year.” Because most families want to move into their new home as soon as possible, Ashton Woods received permits from Pasco County for all of its remaining Asturia homessites. “This saves our buyers up to three months in the building process,” said Jillian Harris, Ashton Woods’ community sales manager in Asturia. “Our designers have put together beautiful combinations of flooring, countertops, design features and colors that will excite the vast majority of buyers,” she said. “Plus, we have a great combination of homes that convert flex space to extra bedrooms, add bonus rooms and extra baths, and have great outdoor living areas with front porches and extended lanais.” While construction is underway on many homes, Ashton Woods buyers are still able to select flooring, countertops, cabinets and other nonstructural customizations on several homes that will be completed in November and December.

INVENTORY HOMES Ashton Woods offers classic oneand two-story homes in its Traditional Home Series. All feature open floor plans, large living areas, beautiful master suites, high-end finishes and lots of storage. Homes have two- or three-car garages, and

many back up to private conservation lots.

AFFORDABLE HERITAGE SERIES Many first-time homebuyers and downsizing families choose the Heritage Series. Ashton Woods has two move-in ready, one-story homes available in these well-designed floor plans — the Truman at 1,961 square feet with four bedrooms and two baths. The slightly smaller Adams plan is 1,829 square feet with three bedrooms and two baths.

SPACIOUS CLASSIC SERIES Five traditional, inventory homes are ready in the Classic Series, including two, one-story homes. The versatile Odessa plan has three bedrooms and two-and-a-half baths in 2,243 square feet. The larger Naples plan offers four bedrooms, three baths in 2,321 square feet.

Also ready now are three, twostory homes with two-car garages, including the Ferrara model home at 2,890 square feet with its four bedrooms and three-and-a-half baths. The Milan is 2,722 square feet with four bedrooms and two-and-ahalf baths. The largest home Ashton Woods builds in Asturia is the 3,365square-foot Athens, which boasts four bedrooms and three-and-a-half baths.

EVERGREEN AND GROVE SERIES Ashton Woods is the only builder in Asturia offering single-family homes with garages at the rear of the house. There are seven, quick move-in homes available in these series, all conveniently located close to Asturia’s Amenity Center. There are three Arlington plans at 2,003 square feet, and also four Ortega plans at 2,189 square feet. These homes begin at $279,000.

GREAT SCHOOLS “For families with children, Asturia is a very popular community because it is zoned for some of the best schools in Pasco County — J.W. Mitchell High, Seven Springs Middle and Odessa Elementary,” said Harris. Asturia buyers prefer the community’s smaller size of just 550 homes, compared to thousands of homes being built in neighboring developments. Plus, they appreciate that construction will not be ongoing for several years. Ashton Woods was named the 2017 Builder of the Year by Builder and Developer Magazine and, for the fourth consecutive year, has been ranked among the top three for Most Trusted Builders in America. For more information, go to AshtonWoods.com/tampa/Asturia. You can also call the sales center at (813) 446-8362.

NO TIME E TO WA IT T. NO COS S T S TO CL LOSE.

CLOSING G COSTS*

There’s no better time than now to move into an exceptionally designed, new home e with no closing costs.

ASTURIA sin ngle-family homes from th he high $200s

Ashton Woods is the home h of possibilities, and we’re making it possible fo for you u to move into a beautifully designe g d, new home with zero closing g cost s. Come see the quick-move -in homes available now, and explore the lifest yle in this exceptional communit y. At Asturia, you’ll love the possibilities.

• Miles of walking trails and abundant greenspace • Stunning Community Co ommunity Center with swimming swimm ming pool and ﬁtness center • Playgrounds and picnic areas

More amenitie es within reach of your new w home.

Tour the featured home and our other quick-move-in homes, available now. To WA S

N OW

ADDRESS

H OMESITE

D ESIGN

D ET TAILS

14481 Promenade Pkwy.

0215

Arlington A

3 beds / 2.5 baths / 2-car garage ALLEY LOAD / 2003 sq. ft.

2527 Delancey St.

1510

Ortega B

3 beds / 2.5 baths / 2-car garage ALLEY LOAD / 2193 sq. ft.

$297,990

$289,990

14492 Trails Edge Blvd.

1013

Truman G

4 beds / 2 baths / 2-car garage / 1962 sq. ft.

$339,990

$299,990

14975 Renaissance Ave.

1603

Milan C

4 beds / 2.5 baths / study / 3-car, tandem garage / 2722 sq. ft.

$431,490

$414,990

14963 Renaissance Ave.

1602

Athens B

4 beds / 3.5 baths / study / 3-car, tandem garage / 3362 sq. ft.

$452,990

$439,990

$279,490

Schedule a time to see these quick-move -in homes today. 813.734.7271

ashtonwoods.com/asturia

*No closing costs incentive is a maximum of 3% of purchase price on inventory homes purchased from September 1, 2018 through October 31, 2018. Must comply with all terms of Ashton Woods Advantage Program to be eligible, including financing purchase and closing of home with Wells Fargo Home Mortgage; use of First American Title Companyy. Subject to loan program guidelines and limits. Lender down payment requirements may also applyy. Supply of inventory homes is limited and subject to availability, and prices may vary based on home and homesite. Offer not available with any other promotion, offer or negotiation, and is subject to change or termination at any time without notice. Other restrictions may applyy. See Community Sales Manager for complete details.. © 2018 Ashton Woods Homes. Ashton Woods Homes reserves the right to change plans, specifications and pricing without notice in its sole discretion. Square footage is approximate and floorplans shown are representative of actual floorplans. Window, floor and ceiling elevations are approximate, subject to change without prior notice or obligation, may not be updated on the website, and may vary by plan elevation and/or communityy.. Special wall and window treatments, upgraded flooring, fireplace surrounds, landscape and other features in and around the model homes are designer suggestions and not included in the sales price. All renderings, color schemes, floorplans, maps and displays are artists’ conceptions and are not intended to be an actual depiction of the home or its surroundings. Basement options are available subject to site conditions. Homesite premiums may applyy. While we endeavor to display current and accurate information, we make no representations or warranties regarding the information set forth herein and, without limiting the foregoing, are not responsible for any information being out of date or inaccurate, or for any typographical errors. Please see Sales Representative for additional information, including current floorplans. This is not an offer to sell real estate, or solicitation to buy real estate, in any jurisdiction where prohibited by law or in any jurisdiction where prior registration is required, including New Yo York and New Jerseyy.. 9.18 CGC1525320

September 26, 2018

A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM

Advantage Real Estate Services is a full service real estate company representing both h buyers and sellers of residential and commercial property primarily in Paasco, Hernando and Hillsborough counties. Inventory is EXTREMEL LY Y low w.. If you are thinking w about selling your home, please contact us for a freee market analysis.

8244 SEQUESTER LOOP P, LAND O LAKES, FL 34637

How to Select the Best Ceiling Fans for Your Home Interiors

hen it comes to ceiling fans, experts say that a highly functional fixture that can also serve as the focal point of a room. “Today’s ceiling fans incorporate beautiful features, such as hand carved blades, sleek finishes and natural elements -- to appeal to a variety of different design trends,” says Steve Register, ceiling fan product manager for Progress Lighting. Register has the following tips to help you select the best fans for your space.

CHOOSE YOUR FEATURES • Versatile functionality. Do you want to use your ceiling fan yearround? Simply select a fan with reversible blades for the option to circulate cool air in summer or warm air in winter. • Efficiency. To save energy and green your home, consider an ENERGY STAR rated fixture. • Lighting. To get in on today’s lighting trends, go for a layered lighting design in your space by installing a light kit, or selecting a fan with a preinstalled fixture. • Control. Some fans feature fullrange dimming and full-function

remote control capabilities for convenience.

SIZE IT TO YOUR SPACE Size is really important when selecting a ceiling fan. If a fan is too large, it can overwhelm the space. On the flip side, if the fan is too small, the airflow may be inadequate. The American Lighting Association suggests the following fan sizes compared to square footage: • Up to 75 square-feet -- 36 inches or less • 75-144 square-feet -- 36 to 42 inches • 144-225 square-feet -- 44 to 40 inches • 225-400 sq. ft -- 50 to 54 inches

FIND YOUR STYLE Once you’ve identified the size and application of your fan, it’s time for the fun part -- choosing a style that complements your style. Consider fan shape, blade features and finish to help you meet the room’s design needs. For a simple home upgrade that goes a long way, consider a ceiling fan with all the features you’ll want and need for year-round comfort and beauty.

BETTER THAN NEW! This 4 bedroom 3 bath home with almost 3,000 sq ft in award winning Connerton is perfect for your family! Only 10 months old, this home has all top of the line Stainless Steel Appliances including a double wall oven, and a three rack dishwasher! Beautiful Porcelaain "wood look" floors new carppet and ceramic tile complete p this amazingg home. Be the first to swim in yyoour caged g BRAND NEW 32 x 16 RAND NEW HOT TUB, and Roast Marshmallows over your BRAND NEW SALLTT WAT WATER POOL. Relax in your BR FIRE PIT. (to be completed by mid Seeptember.) The large second floor is 873 s.f. and designed as a second master suite, in-law suite, or a media/game and includes a 20x13 bedroom, full bath as well as a 23 x 23 living room! No expense has been spared on the quality of the Hunter Douglas Blinds on the sliding glass doors too the lanai as well as the Rockwood Plantation Shutters! TWO AC units will keeep you nice and cool! Come see for yourself this amazing home that is move inn ready for your family and enjoy the many amenities that Connerton offers frrom their water slide pool, work out rooms, special play areas for the childrenn, and snack bar! Priced at $425,000. Contact Linda Ruhlig at 813-4945433 foor additional details.

C t ct: Linda Contac

Ruhlig

Direct: 813-494-5433

Email: lindaruhlig4@gmail.com

EDUCE

R PRICE

3656 LAKE JOYCE DR, LAND O LAKES, FL 34639 Amazing lake front home! Comfortabble 3 bedroom, 2 bath, 1,644 sq ft hom me is ready for a new owner! As you enter the front door, a beautiful view v of Lake Joyce can be seen! The hoome offers many features, read on... Split bedrooms. Nice open floor pplan. Wood plank tile is installed throughh out the entire home, no carpet! The kitchen/family room are separatted by a breakfast bar. The appliances are stainless. The counter tops are marble. Continuing on, the masteer suite has a large window facing the lake, plus sliders leading to the lanai. The bathroom is comfortable with w dual sinks, garden tub, separate shoower, nice walk in closet. Moving outside, the pool is salt and much larger than most. m You have covered lanai for Yo relaxingg and open/screened over the pool. Lakee Joyce is the serene lake in the neighboorhood due to no gas motor boats of any kind - BUT do not fret - the community offers 3 ski lakes! Lake Padgett Estates is such a great neighborhood - you have horse stable, lakes, easy HOA - there is nothing to dislike! Come visit v this awesome home, YOU'll want to make it yours! Priced at $269,9000. Contact Karen Hernandez at 813-918-5765 for additional details.

Contacct: Karen

Hernandez

Direct: 813-918-5765

Email: thinkkaren@gmail.com

NOW INTERVIEWING AGENTS! 3948 Laake Padgett Drr.. • Land O’ Lakes, FL 34639 • 813-996-4747

Courtesy of StatePoint

HA AV VE IT ALL IN ASTURIA Where elegance and loca ation come together in a lifestyle you can afford!

Join the Asturia VIP program to receive exclusive beneﬁtss, details and pricing before the general public.

• Elegant yet low-maintenance 2-car garage townhomes from the mid $200s

• Spectacular resort-style pool, fitness center and clubhouse

• Great Odessa location off of SR 54, one mile from Suncoast Parkway

• Convenient to shopping and dining, and e endless recreation opportunities right outside your door

• Sustainably-designed community with abundant green spaces and trail network

• Highly rated and top-notch schools in the area

For more information or to join our VIP program, please call 813.501 .6225 or visit RyanHomes.com//A Asturia | Brokers Warmlly y Welcomed Prices, of fer s, financing and availabilit y subject to change without notice. S ee a S ales and Marketing Represent ative for det ails. N V R Mor tgage Finance, Inc. is licensed by the V irginia S t ate C orporation C ommission as a mor tgage lender and broker, M C -528. Florida C er tified Building C ontractor L icense N o. C B C12575 6 5.

A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM

September 26, 2018

Concerned About Rising Mortgage Rates?

hile mortgage interest rates remain near historic lows, they have been slowly rising over the last year, increasing the cost of 30year loans for borrowers. Home buyers concerned about higher rates have other options to consider: an adjustable rate mortgage (ARM), which provides an initial lower monthly payment, or a 15-year fixed rate mortgage, which has a higher monthly payment but reduces the amount of interest paid over the course of the loan.

A SHOT IN THE ARM An ARM typically starts out at a lower interest rate than the classic, 30-year fixed rate. After an initial period, typically five, seven or 10 years, the interest rate adjusts over the life of the loan. There are several different types of ARMs, but one of the most popular is the 7/1, which stays at the same rate for the first seven years and then adjusts yearly thereafter. “After the fixed period, the rate can increase each year, but the good news is that there are caps on how high that rate can go,” says Peter Boomer, head of mortgage distribution for PNC Bank. “The opposite may also be true: it’s possible the rate will decline if market forces are pointing that way. The best advice is to check with your lender for the details.”

WHAT YOU NEED TO CONSIDER Boomer said it’s important to know how long you expect to be in your home. “The national average is seven years before homeowners sell or refinance, which is why the 7/1 ARM is so popular,” he said. “If you expect to be in a home for fewer than 10 years, then you may want to consider an ARM.”

Boomer suggests talking with a mortgage loan officer about whether an adjustable rate may save you money. Many people like the idea of that lower rate to start, while others prefer the peace of mind of a stable rate. For traditional mortgages, refinancing remains a viable option if interest rates fall in subsequent years. “It’s important to remember that mortgage rates rise and fall over time. It may be worth considering an ARM because over time there may be savings, as opposed to the cost of

refinancing,” Boomer says. Look at your family, job, future and goals to decide whether this option makes sense. Your family may grow, you may get a new job and relocate, you may downsize for retirement or face other changing financial conditions.

15-YEAR MORTGAGE Another alternative is a shorter term fixed-rate loan, the most popular being 15 years. According to Boomer, while a 15year mortgage will have a higher monthly payment than a 30-year

fixed, the interest rate is typically lower and you pay back the principle faster, which means you can save money on interest over the length of the loan. “The good news for consumers is that there are many financing options available. Talk to your loan officer to discuss which best fits your situation,” he says. Owning a home is on the path to keeping your American dream alive, and exploring your options can help you more easily achieve it. Courtesy of StatePoint

Dennis Realty Celebrates 45 Years DENNIS REALTY OF LUTZ RECENTLY CELEBRATED 45 YEARS IN BUSINESS WITH A 1970s THEME PARTY FOR AGENTS, EMPLOYEES AND GUESTS. “W We had so much fun digging out and finding 70’s-style clothing and gearr,, and then dressing up for the party and going back to the days of disco,” said Carl Stratton, general manager and broker at the firm. Many partygoers came as flash backs from the days of disco, some with the spirit of peace as flower children and hippies, and still others dressed as their favorite 70’s TV show actor or entertainer. “Big Elvis was in the house, along with The Skipper and Ginger from Gilligan’s Island and Shaggy and Scooby y,,” said Stratton. “Oh, and let’s not forget Foxy Cleopatra, Ye Yeah Baby! I never realized we had so many groovy people at Dennis Realty y..” Dennis Realty was founded in 1973

by Robert and Juanita Dennis in Lutz. The company started from humble beginnings, back when Lutz was considered the outskirts of town, and Land O Lakes and We Wesley Chapel were “way out in the country y..” “I appreciate all the work everyone is doing, also want to thank all the original people who helped build the company in the beginning, and those who are no longer with us,” owner Robert Dennis told his guests. He went on to comment that he did not remember much of the wild side of the 70’s, since he was busy raising his family and working on building their real estate business. With a dream of building a busiWi ness, Robert and Juanita Dennis went to work selling land and houses, and

finding key agents. They bought a little house in Lutz off U.S. 41, and turned it into their first real estate office. After many years of working, growing and adding onto their building, Robert and Juanita decided to build an office for their growing company y.. In 1995, they broke ground on the two-story Dennis Realty building at 1022 Land O Lakes Blvd, which is still its home today y.. Now a landmark at the corner of U.S. 41 and County Line Road, the building is also home to Dennis Property Management, Arrow Ti Title and ABC Dennis Insurance. Dennis Realty also has offices in Hernando Beach (Spring Hill), Brooksville and St. Petersburg. Dennis Property Management is the company’s in-house, full service Property Management Company that

Owner Robert Den nnis, left, and General Manager Carl Stratton (in his 70s outfit), welcom me guests at the company’s 45th anniversary party. supports landlord ds and investors in Hillsborough, Passco, Hernando and Pinellas Counties. The event was also p partially y sponp sored by Arrow Ti Title, ABC Dennis Insurance and To Tommy m Gainer / Branch Manager of o Land Home Financial Servicess. Dennis Realty is a Full Service Real Estate E Company y.. For more informaation visit us at www.DennisRealty y..com or contact us at 813 949-7444. ADVERTORIAL

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September 26, 2018

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lack and white has always been a classic color pairing, and this neutral palette has resurged as one of today’s hottest design trends. Whether your look is modern or traditional, knowing how to properly use black and white can provide balance and boldness to a home. Here are some tips to help integrate this trend into your space.

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all-white kitchen can give it an upscale, current feel that’s still streamlined -- and doesn’t require cluttering your countertops with accent pieces.” Consider combining a matte black faucet with a white backsplash and counters, or mixing black bentwood café chairs around a modern white tulip table for a more eclectic approach.

“You can either go heavy on the black, with black painted walls or wallpaper, or make it the accent color and opt for white walls,” says Danielle DeBoe Harper, interior designer at Moen, a manufacturer of kitchen and bath fixtures. “In a white-heavy room, include touches like artwork in black frames, a black fireplace or a black painted floor and ceiling moldings. In a black-heavy area, use white trim and rugs to offset dark walls for a contemporary look, or organic wood accents to create a unique boho feel." In modern homes, DeBoe Harper recommends incorporating a pair of bold buffalo check chairs, or large scale black and white photos. For a more traditional approach, she suggests using silk black and white striped curtains, or painting the ceiling in a black and white herringbone design.

HOMES FOR SALE SKI, FISH, SWIM, RIDE, PLAY! BEAUTIFUL CORNER LOT, 3 bed/2 bath, 1807 sq. ft. in quiet, secluded neighborhood of Paddock Groves Estates Addition to Lake Padgett Estates. New carpet and paint. Features 3 Ski Size Lakes, Private Boat Ramps, Lakeside Parks, and Tennis Courts. It’s close to the Horse Stables. $220,000 Call Cody at 813-909-0712 PALM HARBOR 3/3 HOME features updated kitchen with granite countertops and all stainless steel appliances. Open floor plan allows a lot of natural sunlight. The lower level has a family room with a built in wet bar and full bath as well as a walkout to the wooded back yard. Endless potential with lots of storage and Gulf access just around the block! $387,900 Call Melissa Pace 813-495-0224 WESLEY CHAPEL’S ANGUS VALLEY Double wide mobile home over 1,800 living space. 4 bedrooms, 2 bath, 4 garage. Cash or conventional financing. Reduced to $149,000! Call Phil Tamm 813-408-1357

SHOWER YOUR BATHROOM WITH STYLE Black and white can give your bathroom a clean, crisp look. Infuse black accents through a matte black faucet and coordinating accessories, or through black and white floor tiles in a geometric print. Towels also provide an opportunity to add texture and visual interest, whether it’s a modern floral or traditional houndstooth. For a seriously eye-catching shower, install black and white striped tile. Keep the bathroom’s walls white, so the tiles really pop, expanding the stripes to the ceiling to emphasize the height of your bathroom walls and make it feel bigger -- the thinner the stripes, the bigger the statement. “Integrating black and white makes your space feel sophisticated, yet playful and on trend,” adds DeBoe Harper. “Use these tips to achieve the ideal balance in your home.”

TURN UP THE HEAT IN YOUR KITCHEN Your kitchen is the perfect location for some wow factor. The boldness of black and white will seriously impress your guests. “A lot of homeowners want the clean kitchen look, so they’re afraid to bring in a dark, dramatic color,” says DeBoe Harper. “In reality, incorporating black cabinets or fixtures into an

SINGLE WIDE MOBILE HOME 3/2 with 1.53 acres in Angus Valley fenced. Great location on Old Pasco Rd. Call Irving Hernandez 813-843-6026 ROME AVE IN TAMPA 4/2 family home close to Lowry Park. Block construction, big corner lot, tile in whole house. 3 car carport. Over 1700 sq. ft. Only $219,000! Call Irving Hernandez 813-843-6026 SUNCOAST POINTE VILLAGE-LAND O LAKES 3/2, 1158 sq. ft. home. Convenient and practical floor plan. Indoor laundry. Low community fees. Northpointe Shopping Center with a great selection of shops, bars, restaurants is just 3 minute drive away. Located near the Suncoast Parkway it is a short 20 minutes to Tampa International Airport. $185,000 Call Cody at 813-909-0712 WELL KEPT 3/1 north Tampa home convenient to USF & I-275 great for first time home buyer or investment property. Roof, windows, a/c updated. XL driveway and screened patio. Contact Debbie Coscia @ 813-767-0583 TRIPLE CREEK IN RIVERVIEW 3/2 almost new home in Triple Creek Subdivision. Don’t need to wait 6 months! Call Irving Hernandez 813-843-6026

LAKE LOTS WATERFRONT 2.44 acres on fishing Lake Ryan on Newberger Road in Lutz. . NO CDD or HOA! You are free to tear down the 1928 frame house to build the home of your heart’s desire. Included are a concrete block 1 car garage, pear tree, banana trees and lush foliage on this fenced lot! Call Faith Garcia 813-503-6610 SKI LAKE 300’ road frontage & 250’ lakefront. Property is large enough for 2 homes. On lakefront with white sandy bottom. No Deed Restrictions. Call Cody Adams 813-909-0712

LAKE KEEN JUST NORTH OF SUNSET IN LUTZ .48 acre lot to build the home of your dreams! Swim, ski, Jet Ski or fish to your heart content! $134,900 Call Faith Garcia 813-503-6610

LEASE RESIDENTIAL/COMMERCIAL CARROLLWOOD Rental Lovely townhome with 3/3 +2,000 sq. ft. lots of features. Across from community pool. Only $1,800 per month. Call Call Irving Hernandez 813-843-6026 COMMERICAL LEASE 2,500 SF of Professional Office Space available near intersection of Dale Mabry and Sunlake Blvd. Unit is divided into 8 offices, foyer area with administrative station, kitchenette and public and private restrooms, and conference/flex space. Included with lease: Water, Septic, CAM, Exterior lighting, maintenance of roof and exterior walls. Call Cody at 813-909-0712

VACANT PROPERTY SPRING HILL 31.28 Acres on Bowman Rd Your dream home is waiting to be built! Bring your horses and cows! Plenty of room for all your dreams. Close to Suncoast Parkway. 31.35 Acres on Vernon Dairy Rd Beautiful location for your dream home!!! Bring your animals as there is room to spread out! Enjoy country living yet so close to all major highways and shopping. Call Cody at 813-909-0712 PRIME REAL ESTATE ON S.R. 54 – 3.53 acres. $2.1M Call Phil Tamm 813408-1357 WOODED BEAUTY BELL LAKE & ALPINE in Land O Lakes. Come build your dream estate or family compound. Great Location, beautiful wooded lot. Almost 3 acres. NO DEED RESTRICTIONS! City water available. Property can be subdivided into two lots. Build on one and sell the other. $299,900 Call Cody at 813-909-0712 SPRING HILL .51 Acres on Kanawha! Call Phil Tamm 813-408-1357 RARE GEM BUILDABLE LOT IN LAKE PADGETT ESTATES – Build your dream home or invest for the future with access to 3 ski lakes, including Lake Padgett. Owners have access tennis courts, recreation areas and horse stables. NO CDD. Bonus- A short ride to outlet mall and choice restaurants! Call Cody at 813-909-0712 WESLEY CHAPEL 1.65 Acres in Quail Hollow Pines. Call Phil 813-4081357 – Builder available S.R. 41 on Land O Lakes Blvd. 15 ACRES. Call Phil Tamm 813-408-1357

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September 26, 2018

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