Real Estate Today by Santa Maria Times

central

coast

Real EstateToday

FEBRUARY/MARCH 2020

A SUPPLEMENT OF LEE CENTRAL COAST NEWSPAPERS

4655 Song Lane

AMAZING PROPERTY IN ORCUTT! Main house has 4 bedrooms, 2 baths with a bonus room/office. Detached granny unit is 2 bedrooms, 2 baths. Both separately metered. Property includes a 2,000 sq ft shop and 700 sq ft barn and comes with development possibilities. For more information, call Louie at (805) 478-9328.

See page 3 for more LiStingS

LOUIE rEAL

Lic # 01507595

(805) 478-9328

1956 Cambridge

See page 8 for more liStingS

WENDY TEIXEIRA

805-310-3505

Featured Stories in this Edition

What is a reverse mortgage? ...................................................................................................................Page 2 Assistance for military families...............................................................................................................Page 5 Visiting a model home.............................................................................................................................Page 6

Lee Central Coast Newspapers | Friday, February 21, 2020 | A1

Phenomenal 8,100+ square foot estate is now on the market in East Valley Farms! This 2 story, 6 bedroom, 7 bathroom home sits on 10 private and gated acres and includes a 8 car garage and Boat/RV garage as well. Step into this majestic home and experience lavish details with no expense spared. Offering granite counters, travertine and hardwood flooring, exquisite finishes and soaring ceilings, this home surpasses even the pickiest buyer’s expectations.

What is a

reverse

mortgage?

| Friday, February 21, 2020 | Lee Central Coast Newspapers

ou’ve seen print and television ads offering what seems too good to be true: Senior citizens can take out a reverse mortgage and make no payments on the loan until they leave their home. Reverse mortgages have become more popular over the past decade, but the Consumer Financial Protection Bureau urges homeowners to be smart when considering this type of loan.

popularity, with nearly 115,000 reverse mortgages made in 2009, according to HousingWire.com. Between 2013 and 2017, however, the U.S. Department of Housing and Urban Development made changes to the program that limited the number of borrowers who qualified and the amount of loans they could take, which led to a dropoff in lending. In the 2017 fiscal year, fewer than 40,000 reverse mortgage loans were made, HousingWire.com reports.

These loans do require monthly payments but allow borrowers to have a better idea of the commitment they are making beforehand. The National Council on Aging urges consumers to never make big financial decisions under stress and to try to cut their monthly costs by looking to government programs for help with expenses such as property taxes, home energy, meals and medications using its Benefits Check Up tool at benefitscheckup.org.

What is It?

Proceed with Caution

Beware of Scams

The most common type of reverse mortgage is called a home equity conversion mortgage. These loans allow homeowners to borrow against the equity in their home. Each month, interest is added to the balance of the loan, meaning the amount owed is constantly increasing. When the homeowner passes away or sells the home, the balance of the loan must be repaid from the sale proceeds. These loans, by law, are available only to people age 62 and older, and the home must be a primary residence. In addition, homeowners must carry insurance on the home and keep it in good condition. In 2008, the oldest Baby Boomers become eligible for reverse mortgages. They soon exploded in

The balance of a reverse mortgage grows over time, and particularly when a large loan is taken out at a relatively young age, can even exceed the value of the home. Most loan programs do not require the borrower or estate to repay the balance that exceeds the home’s value, but the equity is lost. The CFPB has warned that reverse mortgages are “complex products” that can be “difficult for consumers to understand” and urges homeowners to consider all types of loans available to them, not just a reverse mortgage. Rather than take the risk of losing all their home equity, homeowners should consider a traditional home equity loan or line of credit, the CFPB advises.

The reverse mortgage industry has been hit by scammers. One common ploy involves a contractor offering a reverse mortgage to a homeowner in order to purportedly pay for needed repairs or maintenance. Another scam involves someone claiming to offer a reverse mortgage for veterans through the Veterans Administration. In fact, the VA offers no such mortgage program. NCOA urges consumers to avoid unsolicited reverse mortgage offers or offers for help with reverse mortgages. Consumers who suspect they have been targeted by a scammer should call the Department of Housing and Urban Development at 800-347-3735 to file a complaint.

“Personalized & Professional Service at its best” Visit our website at www.EraPollyRealEstate.com

Era Polly Broker/Owner

(805) 938-7474 | Toll Free:1-800-586-9457

Lic.# 01153650

(805) 878-2490

OFFICE LOCATION: 200 EAST CLARK AVE, ORCUTT, CA 93455 G

TIN LIS

4655 Song Lane $1,757,000 AMAZING PROPERTY IN ORCUTT! Main house has 4 bedrooms, 2 baths with a bonus room/office. Detached granny unit is 2 bedrooms, 2 baths. Both separately metered. Property includes a 2,000 sq ft shop and 700 sq ft barn and comes with development possibilities. For more information, call Louie at (805) 478-9328.

TIN LIS

1411 Foxenwood Drive $899,000 DEERFIELD ESTATES, ORCUTT! Exquisite 4 bedroom, 3 bath, approx. 3,461 sq ft multi level custom built home situated on private just under one ace lot backs up to open space. Special features & upgrades include a stunning entrance, gorgeous tile floors, beautifully remodeled kitchen, 2 fireplaces, French doors to wrap around porch/deck, gazebo & BBQ area perfect for entertaining Priced below market at $899,000 Call Era at (805) 878-2490.

424 Mountain View $489,000 BEAUTIFULLY UPDATED ORCUTT HOME! 3 bedrooms, 2 baths, completely remodeled kitchen & baths, living room has gorgeous brick fireplace & mantle, quality upgrades include 2 enclosed & covered patio, wood laminate flooring, newer dual pane windows, custom plantation shutters, canned lighting, no acoustic ceiling & much more! Won’t Last! $489,000. Call Era at (805) 878-2490.

2401 Country Lane $275,500 COUNTRY CLUB VILLAGE GREEN! 2 master bedrooms, 2.5 baths, townhouse style end unit. Features fireplace in living room, 2 private patio areas and 2 car detached garage. HOA includes swimming pool and pays water & trash. Conveniently located close to shopping and more! $275,500. Call Louie (805) 478-9328.

245 Obispo St $350,000 UDPATED OFFICE BUILDING with onsite parking and great location near the new Pasadera Homes development in Guadalupe. 5 offices or 4 with large conference room.Well setup reception area with ample space.The entire building has been updated with new flooring, fresh paint and new retrofit windows throughout. Plenty of built in storage, 2 bathrooms, 3 exits, newer furnace and low maintenance landscaping await your business. Call Cliff at (805) 260-4154.

913 Clemens Way $113,900 BUILD YOUR DREAM HOME! One of the most desired neighborhoods in southeast Lompoc. Perched above the city with abounding city and mountain views and overlooks lovely Beattie Park and gives you a front row seat to those famous missile launches. One of the last remaining lots in the neighborhood. Call Brenda at (805) 310-1283.

680 Hill St.

TIN LIS

COMING SOON! FOXENWOODS ESTATES CONDO! 2 bedroom plus den/large office, 2 bath, approximately 2,000 sq ft, single story end unit. HOA amenities include a swimming pool, clubhouse & beautiful greenbelt areas. For more information contact Steve and Melissa at (805) 720-0604.

1123 Sutter St $439,900 HOME SWEET HOME! Beautifully maintained 4 bedroom, 2.5 baths, over 1800 sq ft of living space features lovely curb appeal with manicured landscaping & gorgeous oak front door. Light, airy and bright living room is a must-see with spacious cathedral ceilings, hardwood floors & marble hearth fireplace. Kitchen has breakfast bar & opens to formal dining area. Downstairs master has walk-in closet. Loft area perfect for a den, office or playroom. Near Pioneer High School & easy access to Hwy 101. Don't miss out on this one! Call Era at (805) 878-2490.

CONGRATULATIONS

d l o S

STEVE AND MELISSA MELISSA WISZ 2019 TOP PRODUCERS Era Polly Real R Estate is proud oud to announce The W Wisz Real Estate Team as our 2019 Top Producer. Local natives and well known in the community, Steve and Melissa have represented both Buyers and Sellers in the Orcutt and Santa Maria area since 2003. Buying or Selling, for quality award winning results and Realtors who are knowledgeable and dedicated to helping you find not just any house but the perfect home, call Steve & Melissa today at (805) 720-0604.

4499 Edenbury Dr $615,000 FOXENWOODS ESTATES, ORCUTT! 4 bedroom, 2.5 bath, approx. 2,400 sq ft, situated on huge 15,246 sq ft lot features beautifully remodeled kitchen, wood laminate flooring, formal living & dining room, family room with fireplace, spacious bedrooms, large covered patio, newer exterior paint & roof, RV parking & much more! Call Era at (805) 878-2490.

From Mobile Homes to Mansions, We are Selling the Central Coast!

Clifford Rhea

Louie Real

(805) 260-4154

(805) 478-9328

Realtor Associate Lic.# 01421273

Realtor Associate Lic.# 01507595

Steve & Melissa Wisz Realtor Associates Lic.# 01457307 & Lic # 01464624

(805) 720-0604

Brenda Hauenstein

Mary Ann Wright

(805) 310-1283

(805) 331-0995

Realtor Associate Lic.# 01463037

Realtor Associate Lic.# 00587084

Pam Adkisson

Marketing & Social Media Specialist Lic.# 00997989

(805) 478-4090

Beth Lucier

Administrative Assistant

Lee Central Coast Newspapers | Friday, February 21, 2020 | A3

d l o S

$2,690,000

DEVELOPMENT OPPORTUNITY IN NIPOMO! Two existing homes on 5 plus acres zoned multi-family R15. Possibility for 81 units for development. For more information, Call Louie at (805) 478-9328.

Shop

around

for a

| Friday, February 21, 2020 | Lee Central Coast Newspapers

mortgage T

here can be benefits to creating a lasting relationship with a broker or bank, but that doesn’t mean you shouldn’t shop around any time you buy a home or refinance. There are plenty of lenders and brokers competing for borrowers’ business. Putting the competition among institutions — including your current broker or bank — to work for you is likely to result in significant savings.

Relationship Pricing

Relationship pricing is a term used to describe discounts lenders provide to customers with whom they have an existing relationship. For example, if you have multiple accounts with a financial institution, including checking, savings, money market accounts, credit cards or loans, your bank might offer discounted rates on new accounts. These discounts typically range from

1/4 to 1/2 of a percentage points, which can translate to thousands of dollars in savings over the life of the loan. For this reason, when you’re shopping for a loan, you should always contact institutions with which you already have a relationship. Be aware, however, that you should still compare your bank’s loan estimate to those available elsewhere.

Compare Apples to Apples

When you apply for a mortgage, lenders are required by law to provide a loan estimate within three days. This is done before you get too far into the process and without you having to provide extensive documentation of your income and assets. This estimate makes it easier to compare your mortgage options. Mortgages are complicated financial products, with varying terms, rates and rules. When you are comparing mortgage estimates, it’s important to know which numbers to compare. The

Consumer Financial Protection Bureau recommends buyers compare the following items in the loan estimate, line by line:  The loan amount.  The interest rate (including the highest possible rate on an adjustable rate mortgage).  The monthly principal and interest payment.  Any monthly mortgage insurance payment.  Your total monthly costs, which include not just principal and interest, but also mortgage insurance, monthly escrowed property taxes and homeowners’ insurance, and any home owners association dues.  The upfront loan costs.  The lender credits.  The amount of cash you’ll need to bring to closing. CFPB also recommends that buyers calculate the five-year costs of loans,

since that is the average amount of time people keep a mortgage before selling or refinancing. Each loan estimate should include a five-year cost analysis, including the total dollar amount you will pay over five years (including principal), as well as the amount of principal you will have paid off after five years. Compare these numbers. Don’t forget to also compare the annual percentage rate, a number that takes into account not only interest but also fees.

Be Honest

You should be honest with any lenders you’re working with about the fact that you’re shopping around. It can only work in your favor, as they will be more likely to offer you the best possible pricing when they know they have competition. Don’t be shy about asking lenders to reduce rates and fees to earn your business.

Assistance for military families

ctive duty and veteran service members have many options to help make their dreams of home ownership come true. From down payment assistance to mortgages to property tax relief, there are many programs to help those who have served. The trick can be knowing where to look. While many people are aware of benefits offered through the Veterans Administration, assistance also is available through lesser-known state, local and nonprofit organizations.

Mortgages

VA loans are made through private financial institutions but are guaranteed by the VA. These loans can be obtained with lower down payments than traditional and even Federal Housing Administration loans, and unlike FHA loans, no monthly mortgage insurance is required. VA loans even offer less stringent qualification requirements, making them more accessible to veterans with credit and income challenges than other types of loans. Disabled veterans can even have the VA funding fee, which typically ranges from .5% to 3.3% of the loan, waived entirely.

Era Polly Broker/Owner Lic.# 01153650

(805) 878-2490

“Personalized & Professional Service at its best” Visit our website at www.EraPollyRealEstate.com

(805) 938-7474 | Toll Free:1-800-586-9457 OFFICE LOCATION: 200 EAST CLARK AVE, ORCUTT, CA 93455

Other VA Benefits

In addition to guaranteeing purchase loans, the VA offers other housingrelated benefits to veterans, as well. They include refinancing of VA loans; direct loans to help Native American veterans buy, build or improvement homes on Federal Trust Land; and grants for disabled veterans who need to purchase, build or modify a home to accommodate their disability. To learn more about these programs, visit https://www.benefits.va.gov/homeloans. To begin the process of qualifying for any VA home loan or assistance programs, visit at www.ebenefits.va.gov to apply for a certificate of eligibility, which confirms your eligibility for VA programs.

4655 Song Lane • $1,757,000 AMAZING PROPERTY IN ORCUTT! Main house has 4 bedrooms, 2 baths with a bonus room/office. Detached granny unit is 2 bedrooms, 2 baths. Both separately metered. Property includes a 2,000 sq ft shop and 700 sq ft barn and comes with development possibilities. For more information, call Louie at (805) 478-9328.

Louie Real

Realtor Associate Lic.# 01507595

(805) 478-9328

From Mobile Homes to Mansions, We are Selling the Central Coast!

Various state, city and neighborhood programs help veterans purchase a home. Check with your state for any programs it might offer. Examples include matching funds or a second loan for a down payment, grants to cover down payment or closing costs, interest rate reductions and even affordable housing developments for veterans. Some programs have income limits or other qualifying requirements, such as minimum credit scores or maximum home values or debt-to-income ratios. Some programs also require that participants be first-time home buyers (or not have owned a home in the previous three years). Available nationwide, the PenFed Dream Makers program provides matching grant funds for veterans to help cover down payment and closing costs. Learn more at https://penfedfoundation.org/apply-for-assistance/dreammakers.

Some states offer full or partial property tax exemptions for veterans, especially those who are disabled. Check with your state for its guidelines. The exemption is usually based on the veteran’s VAassigned disability rating. The exemption may also be conditioned on the veteran’s income or a maximum home value. The savings can be significant. For example, in Illinois, where property taxes are among the highest in the nation, veterans who are 70% or more disabled qualify for a 100% property tax exemption, with no limit on home value. This means potential savings of $20,000 or more per year.

Lee Central Coast Newspapers | Friday, February 21, 2020 |

State and Local Programs

Property Tax Reductions

A6 | Friday, February 21, 2020 | Lee Central Coast Newspapers

Visiting a model home

t’s common to find model homes in a new development. They are designed to entice buyers by showcasing layout, construction options and other amenities. Here are some other great tips to consider when you visit a model home.

Value of amenities

It’s easy to go over budget when adding amenities to a model home. Things like granite countertops, luxurious floor coverings and epic bathrooms are great additions, but the costs of these additions add up. Don’t feel pressured by the salesman to upgrade to more expensive packages or additions. Remember, it’s always possible to renovate the property later. For instance, maybe the granite countertops

don’t make sense to your budget right now, but in a few years, you can save money by installing them yourself or hiring a contractor.

Construction zone

When you buy a new home in a new development, you must be prepared for noises from construction. At least until the community is built, you will see an increase in machinery, traffic and workers frequenting your surroundings. In fact, the sales contract might require you to acknowledge these potential disturbances. Know what you’re getting into, and take note of the construction activity during your model home visit. Some builders will make efforts to mitigate the effects of ongoing construction, such as requiring workers to clean

up job sites and paying for a private street sweeper.

Quotes from the seller regarding warranties and financing options.

Document your visits

Use your imagination

It can be difficult to separate the different homes you see throughout your house-buying journey. Document your visits by taking pictures or jotting down notes in a notebook. Once you have checked out all the stops on your list, use the documentation to create a list of pros and cons for each structure. Here are some ideas to consider when making your decision. Proximity to places you frequent, such as work and grocery stores. How much sense the layout makes to your family and needs. Amenities to choose from and if they make sense for you.

When viewing a home under construction, it can be hard to envision what it will look like finished. Try to picture the house with a full-grown lawn and how you will sculpt the landscaping. Take a look around the neighborhood to see how other buyers have made the home their own. Talk with the sellers to discover homeowners association fees or restrictions before you make plans to add exterior structures. In some cases, you might need to get approval from an association for additions such as a swimming pool, a patio or a shed. Take these potential restrictions into consideration.

Set a house-hunting

hen buying a home, you must adhere to a strict price point and budget. E s p e c i a l ly i f yo u a re financing, the term of the loan is likely for many years. A lot can happen to impact your financial security, so make sure you buy a home that gives you room for saving and preparing for emergencies, without affecting your quality of life. A great place to start when determining your budget is to be pre-approved for a mortgage. Make an appointment with your financial experts to discover how much money they will lend you, interest fees and information on taxes. This should be done before you begin hitting open houses or hiring a Realtor to find potential properties. When you’re pre-approved, you increase buying power during negotiations and can plan a financial strategy that makes sense.

Plan to overpay

You probably have considered wrapping all your monthly housing-related payments into an escrow account. This service offers the convenience of your lender paying the premiums for homeowner’s insurance and property taxes. When using escrow, your fixed mortgage becomes a bit more difficult, sometimes leading to surprising increases.

That’s because in many states, property taxes are reassessed annually and trend upward to accommodate new construction projects, schools or county or local services. Your insurance premium also can rise due to new policy options or claim history. Your bank is required to cover the extra funds and increase your monthly payment. It’s a good idea to stay in contact with your lender regarding shifts in policies so you’re not caught off guard with an increase. Your budget should allow you to cushion your account in case of price changes, which otherwise could cause you to be unable to afford the payment.

Era Polly Broker/Owner Lic.# 01153650

(805) 878-2490

“Personalized & Professional Service at its best” Visit our website at www.EraPollyRealEstate.com

(805) 938-7474 | Toll Free:1-800-586-9457 OFFICE LOCATION: 200 EAST CLARK AVE, ORCUTT, CA 93455

DEERFIELD ESTATES,ORCUTT! Exquisite 4 bedroom,3 bath, SCAN QR approx. 3,461 sq ft multi level custom built home situated on CODE FOR private just under one ace lot backs up to open space. Special VIDEO TOUR features & upgrades include a stunning entrance, gorgeous tile floors, beautifully remodeled kitchen, 2 fireplaces, French doors to wrap around porch/deck, gazebo & BBQ area perfect for entertaining & so much more! Must see! Call Era at (805) 878-2490. From Mobile Homes to Mansions, We are Selling the Central Coast!

Stay ahead in escrow

Lee Central Coast Newspapers | Friday, February 21, 2020 |

To become familiar with how your monthly payments are related to the size of the loan, you should understand mortgage amortization. Essentially, it is the reduction of debt by regular payments of interest and principal sufficient to pay off the balance. When choosing a fixed mortgage, your payment won’t change. However, how your payments are applied does change — from more interest at the beginning, to more principal later in the life of the loan. When you only make your minimum payment, it’s hard to have much of an impact on the bottom line. When creating your budget, make sure the monthly payment allows you room to apply additional funds each month, so you can make a difference to the principal balance, early on.

budget

Considerations

If you’re moving into a bigger home, you’ll need to account for higher heating and air bills and water obligations. Entertainment services may not be as easily accessible if you’re moving to a desolate area where high-speed internet isn’t available. Make sure your budget can handle additional expenses for higher costs for specialty services. When developing a budget for a home, you also should consider having enough left over to contribute to a savings and emergency fund. As a homeowner, you will be solely responsible for making repairs and upgrading failing appliances.

1411 Foxenwood Drive • $899,000

Stunning Estate!!

Wendy Teixeira

Lake Marie!!

R E A L T O R ® CalBRE #01345995

(805) 310-3505

wendyteixeira@aol.com

Ranch!

Here’s your opportunity to purchase an incredible home in Lake Marie Estates. You’ll be impressed with the amazing craftsmanship and attention to detail in this 2700+ sq ft home. The backyard is a glorious retreat complete with covered patios, in ground pool, soothing pond with waterfall and mature landscaping. New price is $799,000

East Valley Farms

Commercial

655 Highland Hills

312 Wasioja, New Cuyama

1956 Cambridge

528 East Main St

This amazing equestrian estate checks all the boxes for horse lovers! All flat and usable, this 13.88 acre property features one ag well and one domestic well, a 5500 sq ft over-the-top Barnmaster barn with 10 stalls, 2 tack stalls, 1 inside wash stall, a grain room, tac room and multi use room/conference room. The four bedroom, two bath ranch home is move in ready with over 2600 sq ft of living space and allows an open concept entertaining opportunity. Priced at $1,495,000

Wide open spaces, serenity and clean, fresh air! This incredible 150+ acre ranch offers opportunities for the buyer who would love to ride horses or run cattle - even farm- in a beautiful valley just off Highway 166. Enjoy a pond for fishing, a seasonal creek for playing, an aviary for raising birds, a great potting shed, a large chicken coop and cattle barn. Every critter or creature you’d like to raise will have a home here. Priced at $1,250,000

Great opportunity to own your own building in a high traffic area of downtown Santa Maria. Each unit offers a large reception area and two offices. A small kitchenette area and private break room are situated in the back with two separate bathrooms and access to the back parking lot. Rents are approximately $1500/mo. Priced at $625,000

Pending!!!

A8 | Friday, February 21, 2020 | Lee Central Coast Newspapers

2223 Crystal

Amazing Orcutt Estate on over 22 acres with incredible views! This 5,000+ sq ft estate offers four bedrooms (each with attached bathrooms), a over sized owner’s suite, family room, dining room, living room, breakfast room, huge gourmet kitchen, wet bar and even a 50 x 100 shop and chapel. Priced at $3,250,000

I don’t just list homes, I sell homes! Equestrian Property!!

2260 Quail Canyon

Foxenwood Country Club Estates!!

Kimberly Estates

Golf Course View!!

4333 Highcastle

2435 Longdrive

4405 Kapalua

2737 Lorencita

Natural light, spacious layout, and multiple updates/remodels await! Peaceful and tree lined neighborhood in beautiful Foxenwoods home over 2700 sq ft with gorgeous family room, accented by stone fireplace and slider with plantation shutters, perfect setting for friends and family. Two separate living areas flow together with kitchen and half bath for layout ideal for hosting. Priced at $634,900

Situated on a large corner lot in Foxenwood Country Club Estates sits this charming three bedroom, two bathroom home. With an inviting courtyard and mature landscaping you'll feel as if you're ''home'' already. With a west facing back yard and fun ''sun room'' evening BBQs are a must! Priced at $579,000

Beautiful, one story, 2,800+ sq ft home in Orcutt on almost an acre! This lovely 4 bedroom, 3 bath home is situated behind Foxenwoods and is ready for a new owner! Situated amongst other beautiful homes, this open floor plan boasts cathedralceilings,lotsofnaturallightandplentyofroomforentertaining.Thehuge patio outside is a great place for entertaining, throwing a football or just enjoying the sunsets the wonderful Central Coast offers every day! Priced at $829,000

Exceptional home on the golf course at the Santa Maria Country Club! Viewing this remodeled three bedroom, 3,000 sq ft+ home will be the best decision you’ve ever made! It offers incredible opportunities for entertaining - especially from the expanded family room! This home seriously has too many features to list...Priced at $779,000

Sold!!

Pending!!!

Sold!!

329 St Andrews

310 E McCoy Ln, 3E

649 Story St, Nipomo

2277 Berryessa

This house is the Country Club is ready for a new owner!!! The front yard is low maintenance and always green! The living area is large and open with a skylight to bring in some natural light. Come see if this palace is for you! Priced at $449,000

Great downstairs three bedroom, two bath unit, indoor laundry, cute patio, large grassy area in front. This complex has pool, clubhouse and play area and is close to shopping. Priced at $279,000

Attention horse lovers, here is the place for you!The sellers created their horse facility with efficiency in mind! Enjoy almost 1 1/2 acres ofprivacy,amaremotel(withwatertoeachstall),arenaandplenty of storage for your hay and tack along with a ranch style, one story, 1400+sqfthomewitharoomythreecargarage.Pricedat$649,000

This amazing Lake Marie Estate 4 bedroom, 4 bathroom (all en suites) is impeccable! Enjoy the cathedral ceilings & natural light in this open, flowing floor plan complete with formal living & dining areas & a huge laundry room, too! With a new, expanded gourmet kitchen & breakfast bar you can serve up all your favorite meals with plenty of space for your guests. Priced at $1,049,000

Call 805-310-3505

• “Exactly who you need to get exactly what you want.” • www.CallWendy.com