5-28-16 REIO by Messenger-Inquirer

A Special Publication of the Messenger-Inquirer

INSIDE OUT

REAL ESTATE

HOME DECOR â&#x20AC;˘ GARDENING

Featuring Listings of the Owensboro Multiple Listing Service (MLS)

Messenger-Inquirer

Saturday, May 28, 2016

OPEN HOUSES

2 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

For more information see realtor’s office ads for open house times

SAT., MAY 28 EAST L. Steve Castlen Realtors 4901 Diamond Drive Cheryl Contratto

SOUTH L. Steve Castlen Realtors 4101 Quail Run Jonell Richeson L. Steve Castlen Realtors 1201 Hickory Lane Cheryl Contratto

L. Steve Castlen Realtors 2266 Meadowhill Lane Gary Crump

Re/Max 1545 College Drive Judy Lambert

Re/Max 4100 Masonwood Lane Reba Besecker

L. Steve Castlen Realtors 2619 S. Cherokee Drive Jonell Richeson

CENTRAL

L. Steve Castlen Realtors 2381 Ford Avenue Sara Hulse

L. Steve Castlen Realtors 607 Jackson Street Bill Speer

L. Steve Castlen Realtors 320 C Hill Avenue Gary Crump

L. Steve Castlen Realtors 3300 Wilson Lane Bill Speer

L. Steve Castlen Realtors 2705 Daviess Street Gary Crump

L. Steve Castlen Realtors 3924 Old Hartford Road Jenny Legg

SUN., MAY 29 SOUTH L. Steve Castlen Realtors 1201 Hickory Lane Cheryl Contratto

Humble for the Homeless An opportunity to give while celebrating our community and its commitment BY MARY MATTINGLY

AID THE HOMELESS, INC BOARD MEMBER GREATER OWENSBORO REALTOR ASSOCIATION

hen many of us were growing up we would hear phrases common to “If the shoe doesn’t fit, don’t wear it”, “You get what you get and you don’t throw a fit” or a simple “I’m sorry too, but.....” We each take those phrases in stride, yet every individual takes them differently as we all have a different past; a different back story. The back stories of our lives make us who we are now, who and where we are in the present, and help determine our future. The past we cannot change, the present is a chance, and the future is an opportunity. Aid the Homeless, Inc is an opportunity to help the present and the future in the lives of so many.

The non-profit 503(c), Aid the Homeless, Inc was established by the Greater Owensboro Realtor Association in 2012 with purpose and ultimate goal to raise public awareness and support the homeless in the Daviess County area and its surrounding counties. Homelessness can become a reality for individuals and families of all walks of life, each with a different back story. Aid the Homeless, Inc. strives to provide resources to local area shelters to address homelessness, while serving homeless people with respect, integrity, and grace. Many are unaware of the severity of the homeless problem right here at home. The statistics in Daviess County alone are staggering. The Herald Leader reported in August of 2015 that Kentucky has more than 30,000

homeless students and 556 of them are in Daviess County. According to The National Center for Homelessness Education (center. serve.org/nche/), Kentucky ranks the highest rate of homelessness than any other state in our Nation followed by New York. In addition it reports that Daviess County has one the highest rates of homelessness per capita. Many will ask the question, “Where are they?” The problem is real, but there is always a way to work toward a solution. Thanks to the generous individuals, companies, and organizations who have contributed over the last 4 years, we have been very successful and gracious in raising over $164,286.00 for the local area shelters. We hope to make the

2016 Benefit as successful as we have been in the past. This year we will be commemorating the 5th year of The Aid The Homeless, Inc. Benefit with a Gala on 6:30 - 9 p.m. June 2 at the River Park Center. We hope you will lend your support. It promises to be another successful evening, filled with good cheer and warm wishes accompanied by special cuisine, fine beverages, musical entertainment, a silent auction and more while helping your community provide shelter for the homeless in our area. Believe in your back story. The ups and the downs. Believe in helping someone else’s back story that may be a little harder than yours. It is merely a matter of making the present a gift in contributing to the future of the hopes and dreams of so many.

Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

RE/MAX Professional Realty Group For all the things that move you. www.EveryOwensboroHome.com

270-684-2727

Glenn Ashby REALTOR® 570-5533

Ashley Bellar REALTOR® 314-5200

Reba Besecker BROKER/REALTOR® 929-3407

Scott Calhoun BROKER/REALTOR® 993-5813

Rick Cummins REALTOR® 302-2822

Lynn Edge REALTOR® 929-0359

Li Hall REALTOR® 315-7008

Blake Hayden REALTOR® 244-6162

Missie Hayden REALTOR® 244-6161

John David Hays REALTOR® 302-6192

Tracy Ioia REALTOR® 929-4990

Greg Jones REALTOR® 929-7180

Judy Lambert REALTOR® 929-3385

Lauren Lee REALTOR® 993-9843

Brian Luttrell REALTOR® 929-0040

Mary Mattingly REALTOR® 314-7440

Gary Maglinger PRINCIPAL BROKER 926-8900

Samantha Jo Ramsey REALTOR® 695-7945

John Reynolds REALTOR® 485-9592

Ryan Rutman REALTOR® 315-7464

Matt Schell REALTOR® 302-8384

Melissa Watts-Davis REALTOR® 315-7782

Jereme Willner REALTOR® 929-0338

Michelle Wiesman Manager 684-2727

NEW $82,000

NEW $379,900

NEW $55,000

NEW $74,900

NEW $389,900

607 5th Street MLS 68718 * Richard Cummins

4479 Harbor Hills Trace MLS 68753 * Matt Schell

1420 Hathaway Street MLS 68754 * Tracy Ioia

9501 Kelly Cemetary Rd. MLS 68760 * Blake Hayden

5625 State Route 657 MLS 68780 * Gary Maglinger

NEW $69,900

NEW $164,900

NEW $334,900

NEW $249,900

New NEW$125,000 $29,900

519 Orchard Street MLS 68792 * Li Hall

2939 Tanglewood MLS 68800 * John Reynolds

5005 Hwy 279 MLS 68809 * Blake Hayden

5466 Meadow Grove MLS 68819 * Reba Besecker

222 E 7th Street MLS 68826 * Scott Calhoun

NEW $84,900

REDUCED $59,900

REDUCED $417,500

REDUCED $107,500

REDUCED $99,900

7414 Short Station Road MLS 68842 * Scott Calhoun

3011 San Juan Dr MLS 68662 * Matt Schell

4212 Hunter Pointe MLS 68335 * Blake Hayden

0 Hwy 144 MLS 68458 * Jereme Willner

122 2nd St. W MLS 67701 * Blake Hayden

REDUCED $189,900

FEATURED $35,000

FEATURED $82,500

FEATURED $249,900

206 17th St. W MLS 68609 * Blake Hayden

5562 Hwy 142 MLS 67885 * Jereme Willner

6461 Harmony Drive MLS 67897 * Jereme Willner

4100 Masonwood Lane MLS 67902 * Reba Besecker

FEATURED $239,900

FEATURED $77,500

FEATURED $559,900

FEATURED $33,526

1400 Robin Rd. MLS 67944 * Gary Maglinger

6552 Hwy 231 MLS 67992 * John Reynolds

3910 Back Nine Court MLS 68101 * Matt Schell

115 Stony Point Ln MLS 68109 * John Reynolds

FEATURED $189,900

FEATURED $244,000

FEATURED $55,000

42-A Rockledge MLS 67930 * John Reynolds

FEATURED $77,900

2510 Haviland Drive MLS 68138 * Brian Luttrell

This Weekend’s Open House

SATURDAY 5/28/16 1626 Chapel Lane MLS 68160 * Scott Calhoun

3801 Westminster Ct. MLS 68168 * Richard Cummins

10:30-12:00 .......2808 SOUTH GRIFFITH ................68672 ....... SCOTT CALHOUN ..........$195,900..........WEST 11:00-12:30 .......1545 COLLEGE DRIVE..................68221 ....... JUDY LAMBERT ............$249,900........SOUTH 12:00-1:30 .........4100 MASONWOOD ....................67902 ....... REBA BESECKER ..........$249,900........SOUTH

SEE ALL OUR OPEN HOUSES @ www.REMAXOpenHouse.com

4 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

Greg Jones REALTOR®

929-7180

gjones1450@gmail.com

3000 Alvey Park Dr. West Owensboro, KY 42303 270-684-2727

929-3385

jjlambertrealtor@aol.com

PEN

CORNER HWY 54 & MILLERS MILL RD

2309 Becklynn Drive • $169,900

OPEN SATURDAY 11:00-12:30

Location! Location! Greatroom with 1545 College Drive • $249,900 fireplace, 3 bedrooms, 2 baths, 2 car Move-In Ready!!! Custom built home near garage, newer appliances and patio per Wesleyan College. Updates include - Kitchen, owner. MLS68529 fireplace in living room, and flooring. Call Judy 270-929-3385 Permanent stairs to unfinished second floor. Current owner added 12 X 16 Screened porch, replacement windows, line under house and Amish built shed. MLS68221 Call Judy 270-929-3385

D L O S 4413 Fairbairn Ct • $174,900

Judy Lambert REALTOR®

DIN

NEW ICE PR

Lake Forest Town Center 4551 Springhill Dr 2.73 acres * MLS# 64036

Next to New “Dollar General” Store. Ideal Retail & Professional Building Sites. Excellent Traffic Count. Adjacent to Upscale Condo Community. Parcel may be Divided. Realtor owned. Call Greg Jones 270-929-7180.

D L O S

4035 Pine Lake Ct. • $224,900 SALE FOR EASE OR L

1 1/2 story brick home on cul-de-sac. 3 bedrooms, 2 1/2 baths, bonus room that could be 4th bedroom, 2 car garage, privacy fence. Call Judy 270/929-3385 MLS# 67537

1845 Browns Valley Red Hill Rd. Utica. • $295,000

Beautiful, peaceful setting, partially wooded, partially crops. 3 Bedroom Farmhouse with barn and outbuildings. Must see! Approx. 5 miles from both Hwy 431 and Hwy 231.

SOLD by Judy The Glenville Store, Deli & Sweet Shop

’s

8619 Hwy 456 • $219,900

5466 Meadow Grove • $249,900

Realtor® Multi-Million Dollar Producer rebabesecker@aol.com 270-929-3407

4 Bedroom, 2 Bath home with a lovely open floor plan. Split bedroom concept. Bonus room/4th bedroom. Privacy fenced backyard. 2 car attached garage, Covered patio. Shows like new. All new paint thru-out. Call Reba to set up your private showing 270-929-3407 MLS68819

NEW ICE PR

4100 Masonwood Lane - $249,900

3000 Alvey Park Dr. West Owensboro, KY 42303 929-3407

Gorgeous 3 or 4 bedroom townhouse. 3 Full Bath. Beautiful hardwood floors. Great room with lovely fireplace and antique mantel. Large master suite with office or library that could be converted to 4th bedroom. Master bath has whirlpool and new separate tile shower. One bedroom on main floor with full bath. Granite countertops in large kitchen. Clubhouse with in-ground pool. Oversized 2 car garage. #67902 Call Reba

2625 Wisteria Gardens

$80

G NEW TIN LIS

Reba Besecker, CRS

SOL

Lovely custom built 3 BR 2 BA home with 1.55 acres. Split bedroom concept. Large kitchen with lots of custom cabinets. Oversized 2 car attached garage. MLS68320 Call Reba for showings.

2812 Chippewa

3 Bedroom brick home on a corner lot with attached carport and detached workshop. Priced to sell in the $80’s Call Reba (270)-929-3407 MLS#67695

Saturday, May 28, 2016 Messenger-Inquirer

Real Estate Inside Out

RE/MAX Professional Realty Group Doing more from FOR SALE to SOLD

MEET OUR NEW AGENT!

RE/MAX Professional Reatly Group 3000 Alvey Park Dr. W. Owensboro, KY 42303

270-684-2727

www.EveryOwensboroHome.com

Ashley Bellar 270-314-5200

ashleycbellar@gmail.com REMAX Professional Realty Group welcomes Ashley Bellar to the RE/MAX family. Ashley is a native of Owensboro. She is a 2006 graduate of Apollo High School and holds 3 separate Associate degrees. Ashley is the mother of a beautiful 2 year old daughter named Emersyn. Ashley is enjoying raising her daughter in Owensboro and becoming more knowledgeable about the Owensboro area. She has been actively involved in the Real Estate community for the past 3 years. One of the most rewarding aspects of being a REALTOR is meeting new people and being able to educate DQG JXLGH WKHP WKURXJK WKH SURFHVV $VKOH\ HQMR\V ZRUNLQJ ZLWK ¿UVW time home buyers and sharing the excitement when she gets to hand them the keys to their new home. Ashley is looking forward to growing her business and bringing a personal level of excellent service to her clients and friends.

COMMUNITY INVOLVMENT “Aid the Homeless, Inc.” 2016 President

326 St Elizabeth • MLS 67714

Business lease available in booming Downtown Owensboro. 3 Blocks from fine dining, hotels, and the Riverfront. On the Historic Registry. 7 offices plus Kitchenette Break Area and bath on the first floor, 3 offices, common area with wet-bar, and FULL bath upstairs. Along with a balcony perfect for viewing July 4th Fireworks. Original Hardwood Molding, New Acacia Wood Flooring, Renovated bath with dual sinks, exposed brick reception area, some replacement windows, All new finishes in February 2015, New first floor condenser unit, 7 Parking Spaces, two story 24’ x 24’ Drive in Storage Building.

“Greater Owensboro Realtor Association” 2015 President, Board of Directors 2013-2016 “Girls Inc of Daviess County” 2011-2015 “Mortgage Banker’s Association of North-Central Kentucky” Charter Member and Board of Directors “Greater Owensboro Chamber of Commerce” Member,

JUST ONE CALL AWAY

Emerge Owensboro 2013 Graduate, Chamber Ambassador 2014

Glenn Ashby,

BROKER REALTOR®, GRI®, MRP®, E-PRO® 2016 PRESIDENT OF AID THE HOMELESS 2015 PRESIDENT OF THE GREATER OWENSBORO REALTOR ASSOCIATION TEXT OR CALL 270-570-5533 AGENTGLENN@GMAIL.COM GLENNASHBY.COM

930 Walnut Park Drive MLS 68302 • $107,900

3000 Alvey Park Dr. West Owensboro, KY 42303

Cul-de-sac just off Walnut Street in the Griffith park area, move in ready home minutes away from the downtown area. All brick one level home with two full baths and attached garage. Recently painted throughout. Beautifully landscaped private backyard. This one won’t last, call today!

2543 Beech Valley Rd MLS 68620 • $325,000

Over 48 acres of secluded retreat living. High on a hilltop over looking the countryside and stocked private pond this Log Cabin is a hunter’s paradise. Well appointed home with floor to vaulted ceiling windows. Nature trails with deer blinds, beach with bunk house, two docks, volleyball sand court, and numerous outbuildings. Call today for a private showing.

2935 Greenhill Drive MLS 68855 • $114,900

Quiet Cul-de-sac, in town, near all amenities. Four Bedrooms and 2 full baths. Newer flooring, updated kitchen, replacement windows updated lighting fixtures. French doors to walk-out basement with game room, large utility/laundry room, and master suite with jetted soaking tub. All brick. Large terraced backyard with two story yard barn. Call today!

6 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

w w w. f a r m e r s h o u s e . c o m Total Commissions of Around 3% on average!

New Listing - PENDING!

Herd management

New Listing

MLS #68837

MLS #68801

Hwy 279 S 3bd 1.5ba Nicely updated kitchen and bath, walk-out bsmt, 1 acre lot, 2 car det. gar. and att. gar.. $149,900 Brad Cecil 270-929-1595

Hwy 1389 5bd 2ba Hardwood, ﬁreplaces, ﬁn. bsmt, two lakes, 30x40 shop on nearly 16 acres and 3 car att. gar.. $264,900 Brad Cecil 270-929-1595

PENDING! MLS #68677

E 24th Street 2bd 1ba Nicely updated, updated kitchen, newer roof, repl. windows, basement and more. $89,900 Brad Cecil 270-929-1595

MLS #68692

Independence Ave 1bd 1ba Investment property, upstairs is currently rented at $350/month. Call for details. $29,900 Brad Cecil 270-929-1595

MLS #68594

Heartland Park 4bd 2ba 2hba All brick home in the Heartlands, 2 living areas, walk-in closet, 2 car att. gar. and more. $259,900 Valorie Howe 270-316-0750

MLS #68640

Woodland Dr 3bd 2ba Updated home, big lot, granite, hardwood, split bedrooms, 2 car att. gar. and more. $174,900 Brad Cecil 270-929-1595

MLS #68655

E 2nd St. Commercial Good visibliry and trafﬁc count, approx. 3,000 sq ft, light industrial. $76,500 Brad Cecil 270-929-1595

MLS #68697

Hall Street 2bd 1ba Lots of potential, large back yard, dining area, big living room, and more. $54,900 Jaclyn Lanham 270-792-2247

MLS #68691

Hughes Avenue 2bd 1ba Investment property, currently rented to long term tenant for $495/month. Call for details. $34,900 Brad Cecil 270-929-1595

MLS #68598

Waterford Pl 4bd 2ba Spacious home in The Summit, great master w/ luxurious bath, hardwood, and 2 car att. gar. $239,900 Brad Cecil 270-929-1595

MLS #68591

Barron Drive 3bd 1ba Convenient location with great potential for an investment property or starter home. $64,900 Brad Cecil 270-929-1595

MLS #68471

Strawbridge Place 2bd 1ba Formal living room, den, ﬁreplace, 2 car det. gar. w/ bonus room (part. ﬁn.) and more. $119,900 Brad Cecil 270-929-1595

PENDING! MLS #68732

Dixiana Drive 3bd 1ba Well maintained home in established neighborhood, one owner, newer roof, and att. gar. $89,900 Brad Cecil 270-929-1595

MLS #68574

Hwy 144 3bd 2ba Split bedrooms, tray ceilings, 20 x 40 shop, pool w/ deck, 1 acre lot, 2 car att. gar. and more. $189,900 Brad Cecil 270-929-1595

Brad Cecil, Broker/Auc�oneer Phone: (270) 297-9086 Email: brad@farmershouserealestate.com

As usual, I ﬁnd myself shaking my head implies, but they are still owned by their at the political argument of the day. Over masters. Masters tend to remind them the last few weeks there’s been a great from time to time, most commonly right deal of talk about public bathrooms. before that trip to the slaughterhouse. When I was in college, a friend asked me to The left argues that everyone should be able to relieve themselves wherever they ride home with him to help on a little roundup. like. The right argues that boys should be His dad had some cattle he wanted hauled boys and girls should be girls. Those of us off, and he knew I was a bit of a cowboy. in the middle scratch our heads and say, Load ‘em up. Haul ‘em off. Easy peasy. “Are we really having this conversation?” What he didn’t tell me was that they’d been running free over a pretty big range The simplest solution for modern for quite some time. Set a dozen cows America would be more privately free on a two hundred acre pasture of designed public rest rooms, but woods, hills, lakes and streams, and then they wouldn’t get to keep they are not going to respond well to arguing. The issue has nothing to being forced into a small corral and do with bathrooms, and everything loaded for the slaughterhouse. We to do with the death of common sense. The two camps chase Brad Cecil were less cowboys and more rodeo Broker, clowns that day. I honestly don’t themselves around in circles, and everyone looks crazier by the etc. remember if we got them on the trailer or not. What I do remember is day. Like Roger Miller queried, “Where have all the average people gone?” jumping gates and praying for my life when As I have watched this argument drag they turned on us, mouths foaming, in the on, I have been thinking about a video corral. They were not going peacefully; that I watched several weeks ago from an was pretty clear. Cows are generally pretty internet philosopher talking about how docile creatures. Put them on their own for the elites treat us like cattle. While I think a while, and let them do whatever they like; the guy (who has tons of followers, btw) is that’s a different story. I escaped without a little kooky, I did appreciate what he was injury and was paid for my risk to life and trying to say. I understand cattle. Cattle limb, but the day stands out in my mind as help me understand people. They mourn a stark reminder of how easily tame animals their dead. They sometimes reject their become wild when left to their own devices. Since the counter culture movement offspring. They push to the front of the line to belly up to the trough. The crazy started in the 1960’s, our society has been ones have a strange look in their eyes, looking like an open range with a bunch and carry themselves differently than of wild cows. No longer constrained by the the others. Lastly, most of them aren’t institutions of old, people have been running terribly bright. Yeah, cattle and people this way and that, doing whatever they are a lot alike. And cows are not free “feel.” As a result, our neighbors are using individuals. While everybody wants to their hurt feelings to make decisions more jump up and shout about their American than their brain. Pop culture has told them pride, they would do well to think about for years that their feelings are the most all the freedom they’ve lost instead of important thing, so people generally do what all the freedom they have. Over the last feels good. The problem with that is, most 100 years, Washington has been carefully good decisions hurt in the short term. Pain constructing fences. They treat their doesn’t feel good, so the cattle keep roaming herd more like free range cattle than a on their free, but shrinking, range. The closely managed small herd though. Small cattle barons likely don’t mind us arguing herds have pastures, and stables, and get over silly things like bathroom stalls. Every worked regularly by their owners. Free day wasted arguing about something crazy range cattle are a different animal. Free is another day they can work on tightening range cattle generally go where they want. the fences and strengthening the gates; They do have a lot of freedom as the name counting the money and enjoying the steak. *See broker for details

Real Estate Inside Out

How families can manage cramped quarters Saturday, May 28, 2016 Messenger-Inquirer

BY METRO CREATIVE CONNECTION

oung parents living in cities face dif ficult decisions regarding their living arrangements. The suburbs versus city debate is one many young married couples have had, and that discussion is often prompted by the arrival of children. Data from the U.S. Census Bureau suggests that more people are choosing cities over the suburbs in the 21st centur y. While that data indicates 53 of the 81 cities in the United States with populations exceeding a quar ter million people experienced reduced growth in 2013-2014, the most recent year for which statistics are available, during that time such cities still exhibited growth well above their averages from 2000 to 2010. There are many reasons why city life might make more sense than living in the suburbs for young married couples. Living in the city may lead

Brad Cecil, Broker/Auc�oneer Phone: (270) 297-9086

to far shorter commutes for working parents, and the availability of public transportation in cities may save parents the costly expense of purchasing their own vehicles. But city life may force families to cope with cramped quar ters. Even the most spacious apar tments may not provide the same square footage as single-family suburban homes. Parents who are committed to city living may need to get creative in order to live comfor tably in apar tments.

Actively police clutter

Few things can make apartments seem more cramped than clutter. Unsolicited mailings, old magazines and unused kitchenware are just a few of the items that can make small apar tments seem even smaller. Discard junk mail the moment you walk through the door, making a daily ef fort to keep kitchen counters and tables, coffee tables and other areas that tend to accumulate clutter clear

of clutter. Reducing clutter also makes homes safer for young children, making it easier for them to navigate a home while reducing choking hazards.

Keep hosting duties to a minimum

Many men and women love to host friends and family, and that desire to host won’t subside simply because you live in a city. But even if you love to host, host more intimate gatherings so you are not forced to use your already limited storage space to store items, such as extra plates, utensils and drinking glasses, that you will only use ever y so often. Fewer guests means fewer items you need to store yearround.

Go easy on the tots’ toys

Parents of young children know that kids’ toys take up a lot of space, and that’s space that many city dwellers simply don’t have. Rather than adding to youngsters’ toy stash each month, explain to them that space is limited

and that some older toys will have to go before new ones can be purchased. Donate old toys and let kids know their items will be given to less fortunate youngsters, as that may make kids feel better about parting ways with their toys. Set a good example by showing kids when you discard or donate older items before replacing them with new ones.

Think vertically

Single-family home owners may not need to make much use of the vertical space in their homes, but such is not often the case with apartment dwellers. Utilizing vertical space in an apartment can be as simple as buying some shelving units or bookcases. To be safe, keep items the kids will use on lower shelves so they are not tempted to do some climbing to reach their toys or books. Parents who choose the big city over the suburbs may need to make some sacrifices to make better use of cramped quarters.

w w w. f a r m e r s h o u s e . c o m

Back on the Market!

Land MLS #67867

MLS #68402

Southeastern Pkwy 3bd 2.5ba Lots of living space, large walkin closet, bsmt, det. gar. with heat/.5 bath, and more. $214,900 Brad Cecil 270-929-1595

MLS #66580

Fairview Dr. 4bd 3ba A Must See! Beautiful woodwork, family room, huge master, walk-in closet, deck, patio, 2 car att. gar. and much more. $324,900 Brad Cecil 270-929-1595

MLS #67645

Hwy 456 6bd 3.5ba Walkout basement, granite, ﬁreplace, family room, ofﬁce, 2 car att. gar., 30x50 shop and more. $369,900 Brad Cecil 270-929-1595

MLS #67090

Veach Road 4bd 2ba Convenient location, 4+ acres, large barn w/ stalls, tack room and hay loft, and small pond. $179,900 Christy Sumner 270-993-7550

PENDING!

MLS #68289

MLS #68291

MLS #68378

MLS #68480

Greenwood Court, Sorgho 3bd 1.5ba Great space with updated kitchen, family room, fncd. yard and det. gar. $134,900 Brad Cecil 270-929-1595

Harmons Ferry Road E 2bd 2ba 4bd possible Updated on 1.2 ac. in Dav. Co., ﬁreplace, , 2 car det. gar.. $109,900 Brad Cecil 270-929-1595

Rudy Martin Drive 3bd 2ba Family rm w/ ﬁreplace, tray ceiling, living rm, large workshop and more. $119,900 Brad Cecil 270-929-1595

Arlene Drive 2bd 1ba Quiet, 4 acres, 24x30 det. shop stocked pond, and att. gar.. $129,900 Christy Sumner 270-993-7550

Back on the Market!

PENDING!

MLS #68568

Carson Street, Hartford 3bd 1ba Located on a quiet street, large fenced yard, newer roof and more. $59,900 Jaclyn Lanham 270-792-2247

PENDING! MLS #68641

Sutter Loop S Clean home in E. Daviess Co., private back yard, updated kitchen, bath, and ﬂooring. $99,900 Christy Sumner 270-993-7550

MLS #67760

MLS #68748

Hwy 81 Commercial Lots of potential, many updates including baths, exit lighting, and HVAC. $54,900 Brad Cecil 270-929-1595

Shultz Rd, Hartford 3bd 2ba Beautiful country views, barn and pond on 3 acres. $89,900 Christy Sumner 270-993-7550

MLS #67224

Allen Street 3 bd 1ba Move in ready, hardwood, updates: kitchen, heat/air, and more. $89,900 Valorie Howe 270-316-0750

Gobler Ford Rd Excellant building site, 2.06 acres, potential for walkout bsmt in east Daviess County. $29,900 Brad Cecil 270-929-1595 MLS #67264

Hwy 1700 Hunting, income, 200 acres, pond, barn, cabin, and more. $469,900 Christy MLS #68222 Sumner 270-993-7550 MLS #68665 Center Street 2 bd 1 ba Shultz Road 71.5 Neat , spacious living areas/ acres Great cropland kitchen, and more. $59,900 Brad Cecil 270-929-1595 in Ohio County, apPending listings: prox. 56.5 acres of tillMLS #68217 MLS #67461 able land, pond, and MLS #68416 MLS #68391 more. $239,900 Christy MLS #68515 MLS #68045 Sumner 270-993-7550 MLS #67371 MLS #68058 MLS #68291 MLS #68657 MLS #68732 MLS #66837

MLS #68308 MLS #68641 MLS #68748 MLS #68748

Cras es Noster

For status updates farmershouse.com call 270.297.9086

8 Real Estate Inside Out

JoAnn Risner Broker/Owner

270-570-3939

Stephanie Miller Realtor®/Broker

270-929-3140

Saturday, May 28, 2016 Messenger-Inquirer

Pat O’Brien Realtor®

Joetta O'Brien Realtor®

270-313-3032 270-929-0838

Karen Thomas Realtor®

Hope Margelot Realtor®

270-977-6001

270-316-5476

Sydney Ellis Realtor®

270-315-5278

Jennifer Staser Realtor®

Ryan Ding Realtor®

Charlotte Burdette Realtor®

270-570-5119 270-231-3561 270-925-7617

Jim Yeckering Realtor®

Jennifer Yeckering Realtor®

270-836-4440 270-836-4440

Risner & Associates Realty, Inc. (270) 926-1400 608 Frederica St., Owensboro, KY. 42301 • joannrisner@email.com

$649,500

200 Lakeside Ct.

Magniﬁcent property overlooking huge lake with 5 bedrooms, 6.5 baths. Beautiful Atrium with sauna and spa. Gourmet kitchen, Quaker cabinets, hardwood ﬂoors ,with large deck and in ground pool and a 5 car garage. Must see this one of a kind home with spectacular views. Call JoAnn Risner 270-570-3939. MLS#68315

$1,399,9

1 Stone Creek

Stone & cedar contemporary home situated on 2.5 rolling acres in the desired neighborhood of Stone Creek Park. This rare find is a spacious home w/4 BR, 2 full BA & 2 half BA a finished bsmt., irrigation system, gorgeous stone fireplace & double car gar. Separate outside entrance to a home office. Inground pool w/landscaping adds additional ambience to the park like setting. Dont miss this opportunity to view this beautiful home. Call JoAnn Risner 270-570-3939. MLS#68228

35 Stone Creek

Magnificent home! Wood floors throughout & granite countertops. Music room, rec room & a beautiful bar room that comfortably sits 10 people. Beautiful cherry cabinets compliment the granite counter tops & must be seen to appreciate the workmanship. Master Suite features His & Hers closets. Living & dining rooms have fireplaces. Huge office & library in the back of the home. You must see this spectacular home! CALL JOANN RISNER 270-570-3939. MLS#66399

$1,495,0

2749 Chatham Lane

Situated on over 5 acres & it's all fenced! 4 BR, 4.5 BA home has a 4.5 car gar. that is 1924 sq. ft. Vaulted ceilings, 2 ﬁreplaces, fully equipped 1000 sq. ft. of guest quarters, full house generator backup, state of the art security & cameras inside & out. All windows are less than a year old. A very private setting with ponds and a lake are just some of the amenities in this one of a kind home. Call JoAnn Risner 270-570-3939 MLS# 66271

G N I D N E P 1005 Grifﬁth Ave.

Desirable location! Ranch style brick with 3 BR & 2 baths on an 80x300 Lot. Large covered back porch & 2 car gar. Don't miss an opportunity to see this home in the heart of Owensboro! Call Stephanie Miller 270-929-3140 or JoAnn Risner 270-570-3939. MLS #68504

36 Stone Creek

Gorgeous custom built home with mahogany ﬂoors! Viking appliances & details throughout the home.Hand cut crystal glass mahogany doors. An 1800 sq. ft. of living guest house with bath and a half. Quality carpet in guest quarters. Oversized 3 car garage, outdoor entertaining with pool are just a few of the many amenities you'll ﬁnd in this one of a kind home. Truly outstanding! Call JoAnn Risner 270-570-3939. MLS#68185

REDUCED

$235,000 2418 Winning Colors

Don't miss this beautiful home just completed in 2014. This four bedroom, two and a half bath has a ﬂoorplan that says easy living! Call JoAnn Risner 270570-3939. MLS#65996

$47,500 1673 Parkdale

Great investment property at $47,500. MLS#68411.

$489,900 1637 Grifﬁth

G N I D N E P

This beautiful home on Grifﬁth has been totally remodeled! Phil's cabinets, granite countertops, Brazilian cherry ﬂoors. New addition, New detached garage and custom pool and hot tub. This is a must see! Call JoAnn Risner 270-570-3939. MLS#67627

14 Hilltop

Gracious living located in the prestigious Hilltop area. Across from the swimming pool in a very private setting w/beautiful landscaping & trees. Home has 6 BR & 4 1/2 baths that have been redecorated to include walk in showers. Don't miss this beautiful home. CALL JOANN RISNER 270-570-3939. MLS # 65447

$189,900 2405 Grifﬁth

SOLD

Lovely 3 bedroom brick in excellent condition. New roof, newer heating and air. New maple cabinets by Phil's cabinets, wood ﬂoors, 2 car garage and fully fenced yard. Don't miss this opportunity!!Call JoAnn Risner 270570-3939 MLS # 67700

$129,900 1902 Daviess

Office or retail, Zoned B4 General Business property is centrally located. Ideal for most any small business or a home office for a much larger business, Lg. parking lot in the back of the house affords crucial space. Property w/a high visibility profile! Call JoAnn Risner 270-570-3939. MLS#63073

$159,500 800 W 2ND Street

Immediate investment potential - over half of a city block for sale, the rest of the block is available. This property has frontage on three sides the long side frontage is US hwy 60 / main street, 274 foot of frontage - this sale is for two properties - property 1 consists of 5550 sqft lounge / nightclub w/dance ﬂoor, bar, outside lounge, parking lot, two men's & two womens restrooms. Property 2 consists of 7000 sqft restaurant, kit., bar, dj booth. 800 & 824 West Second St. Possible owner ﬁnancing call Jim Yeckering 270-836-4440. MLS#68343

1705 Grapevine

42,290 sq ft. Storage Facility. Additional 4 BR, 2 BA Brick House w/2193 sq.ft. on 4 Acre +/- Fenced Lot. Madisonville Hopkins County KY. Various Size Doors & Heights. 69 Inside Storage Units. 88 Open Storage Units for Large Items. Large Gravel Parking Lot. Call Jennifer or Jim Yeckering 270-836-4440. MLS#68249

10858 Redhill Maxwell

Beautiful lake and panoramic views on this 23+ acres............ Endless possibilities Call JoAnn Risner 270-5703939. MLS# 65445

1730 E 18th Street

Investment property/business opportunity, 21,546 sq ft mechanics gar., 1500 sq ft office w/terrazo floors, building is constructed of steel & reinforced concrete, two story w/ramp so you can drive on the second floor, building has sprinklers & 600 amp service, business established in 1962 - building built in 1995, currently used as a mechanic garage & auto air conditioner parts sales, they also re-manufacture auto air conditioner compressors. Included with this property is all shop equipment, auto lifts-milling machine-lathe-brake rotor machine call Jim Yeckering 270-836-4440. MLS#68356

Saturday, May 28, 2016 Messenger-Inquirer

13 STONE CREEK PARK

Exquisite home, fully furnished with elegant furnishings and professionally decorated. Completely upgraded, neutral colors, 3-4 bedrooms, 5 full baths, possible second ﬂoor, inground pool, 4 car garage with a ﬂoored attic, circle drive, plus much more. MLS#67337. Call Charlotte Burdette 270-231-3561

,900 $169

G N I D PEN 3856 BOWLDS CT.

Cozy family home in Town and Country. Home has 3 bedrooms, 2 1/2 baths. New carpet, additional ﬂooring & new paint with a large backyard. Not in ﬂood zone. MLS#67642. Call Charlotte Burdette 270-231-3561

G N I D PEN

2906 E YELLOWSTONE

Real Estate Inside Out

OPEN SAT MAY 28 • 9-11AM & SUN MAY 29 • 1-3PM

6401 SUMMIT DR

Beautiful updated 3 BR, 2.5 BA, OPEN CONCEPT home located @ The Summit. 1st floor Master Suite w/jetted tub, tiled kit. & baths w/custom cabinets, granite, oil rubbed bronze hardware & fixtures. Stainless steel Whirlpool appliances. Wood floors in entry, den & formal DR. Tiled GR w/gas log fireplace. Bonus room upstairs could be 4th BR w/closet. Window treatments stay. Sprinkler system. Buyer’s offering Home Warranty. Amenities available: The Pearl Club 18 hole golf course, Pro shop, driving range, restaurant, swimming pool, tennis & playground. Call Jennifer Staser 270-570-5119. MLS#68548

G N I D PEN

4921 GRAHAM LANE

3 Bedrooms, 1 bath, 1158 sq. ft. $75,000. MLS#68624 . Call Charlotte Burdette 270-231-3561

Charming move in ready 2 BR, 1 bath ranch w/ double att. carport located on the East end! Updates include: New roof in 2007, total bath remodel including all plumbing & porcelain tile, engineered hardwood ﬂoor in living room, ceiling fans, window blinds, new paint, asphalt driveway sealed in 2015, backyard patio off double att. carport, & new landscaping. Large fenced in level backyard w/storage building. Carport has additional storage above in attic space. All appliances including washer & dryer remain. This house has been cared for! Call Jennifer Staser 270-570-5119 MLS #68565

Jennifer Staser Realtor®

Charlotte Burdette Call or Text 270-231-3561

Call or Text Jennifer at 270-570-5119 email: staserj@yahoo.com

www.charlotteburdette.com lilyburdette12@gmail.com

RISNER & ASSOCIATES REALTY, INC.

608 Frederica St., Owensboro, KY • 270-926-1400

Take pause this Memorial Day to honor those that gave ALL. -Pat and Joetta O'Brien OPEN SAT 5/28/16 1-3P & SUN 5/29/16 1-3P

1750 Sioux Place 4 bedroom, 1931 square feet. MLS#68358

Joetta O'Brien Realtor®

Pat O’Brien Realtor®

270-313-3032 270-929-0838 $39,500

BUILDING LOTS

G N I D PEN

3524 Bold Forbes Thorbred East. 3 Bedroom 2 Bath home with large fenced in yard and double attached garage. Tastefully decorated home. Call Joetta 270-313-3032. MLS#????? Risner and Associates Realty, Inc. JoAnn Risner, Broker 270-926-1400 608 Frederica Street, Suite #3 Owensboro, KY 42301

MLS#'s 67821 67822 68113 68506 68508

68509 68510 68516 68517 68518 68520

68521 68524 68526 68528 68532

With Buried Utilities

Look forward to showing my friends my new house - Radar 3200 Greenbriar Rd

OPEN SAT 5/28/16 1-3P & SUN 5/29/16 1-3P ING NEW LIST

5015 Graham Lane

Brick ranch 3 bedroom, large lot with a detached garage, garden spot, fence and extra storage. House has been very well taken care of. $89,995 Call Joetta O'Brien 270-313-3032 MLS ????

713 Allen Street $79,900.00. 5 bedroom 2 bath, 1 car detached garage w/ shop Close to downtown and Brescia Call Joetta @ 270-313-3032 MLS# 68547

Come see this wonderful property!! Set up your showing today before you miss it. 3 BR, 2 BA Manufactured home on a permanent foundation. Two living areas, fireplace, laundry room, double det. gar. & located in the country. ALL APPLIANCES INCLUDED! This one could be yours if you don't wait. Call for your showing now! $89,900 JOETTA O'BRIEN 270-313-3032 MLS # 68734

Before you sell, call us and let us view your home. Joetta O'Brien 270/313-3032

175 Market Street 3 bedroom, 1 bath, double detached garage. $169,900. MLS#68386

10 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

SMARTER. BOLDER. FASTER. ®

Find Us on

/Century21Owensboro @C21Owensboro

(270) 684-2100

www.CENTURY21Partners.com Download Century 21 Partners’ mobile real estate app to get FREE access to all local listings from your smartphone or tablet!

Text C21P to 87778

Memorial Day We at CENTURY 21 Partners would like to take this opportunity to show our heartfelt appreciation and gratitude to everyone who have served, and are presently serving in our United States Military. Thank you is never enough. CENTURY 21 Partners Is pleased to announce the addition of Paul Coomer to our team! Paul Coomer is a resident of Hartford, KY. He is a graduate of Olivet Nazarene University, Western KY University and the University of Southern Indiana. He received his KY Real Estate License in April 2015.

To list your home with CENTURY 21 Partners! Contact one of our REALTORS ® to sell your home for the highest possible price with the least amount of hassle!

Paul and his wife Janice, have 3 children; John 16, Lucas 7, and a new addition, Chandler. They are members of Hartford Christian Church. Paul enjoys dog training, martial arts, and hiking. Paul will specialize in residential and investment properties.

Give Paul Coomer a call today for all your Real Estate needs! 270.363.0902

Saturday, May 28, 2016 Messenger-Inquirer

SMARTER. BOLDER. FASTER. ®

Find Us on

Cell: (270) 993-1109 Call, Text or Email

JBurns@Century21Partners.com

0 90 , 64 $1

0 90 , 69 $1

0 90 , 16 $1

Gail Niehaus Realtor®, GRI, SFR, CRS

3591 Russell Rd.

5305 Sheffield Dr.

Wonderful view from atop the ridge! Lots of trees and privacy on over 5 acres. 3 bedroom, 2 bath home with attached carport and 2 large detached garages/ workshop - both with concrete floors and electric. Short distance off US 231. Newer roof, counters and appliances. Priced Below Appraisal. Call John Burns 270.993.1109 MLS#68752

Extremely well cared for 1 owner home on a large corner lot near Sorgho. AC unit 1 year old, 24x30 detached garage with HVAC & water. Home has replacement windows & hardwood under carpet. Price below appraisal! Call John Burns 270.993.1109 MLS#68784

9 4, 7 2

2015 CENTURY 21 Partners Top Listing & Selling Agent

(270) 316-7257 Million Dollar Service In ANY Price Range!

Call Gail for More Information

1629 W. 9th St.- $109,900 - MLS#67855 619 Maple St. - $69,900 - MLS#67789 1337 Venable Ave. - $54,900 - MLS#67799 1011 Hwy 140 E - $449,900 - MLS#68145 3258 Bold Forbes Way - $165,000 - MLS#67793 4304 Loft Cove - $61,900 - MLS#68009 140 Brookhaven - $27,900 - MLS#68147 503/505 St. Ann St. - $49,900 - MLS#68150 2290 Fulkerson Dr. - $84,900 - MLS#67787 10841 Hwy 951 - $89,900- MLS#68643

2907 Tanglewood Dr. 140 W. 5th St., Calhoun Charming home with beautiful updates in Calhoun. Upstairs is a large bedroom & full bath. Master suite is on main level complete with a sitting room with fireplace. Kitchen has a separate dining area & all appliances stay. Call John Burns 270.993.1109 MLS#68047

0 90 . 44 $1

9501 Parks Rd.

Gorgeous hilltop home in the Utica area with a stunning lake view on a 1 acre lot. Lots of space with a family room on each floor. Remodeled kitchen w/granite countertops & slate appliances. Engineered hardwood floors & tile as well as solid surface counters in all baths. Master suite on main level w/a walk-in closet. Office/music room & dining room also on the main level. Screened-in porch on the rear of the home also has tile flooring. Two geo-thermal units. Oversized 2 car attached garage. Seller is offering $2000 in closing cost for buyer. Call John Burns 270.993.1109 MLS#68479

0 90 , 54 $2

5 0,

506 W. 15th St.

0 Hwy. 261

4611 Stonegate Dr.

Griffith Ave. area. New HVAC, including all duct work. New electrical service & wiring. All new plumbing. 3 BR/2 BA on the upper level, including a huge Master & walk in closet. Full bath on main level & plumbing for full bath in basement. 4 car detached garage. Call John Burns 270.993.1109 MLS#67083

Prime hunting ground in North Ohio Co.! Rolling hills and mature trees, plenty of road frontage that could be subdivided by new owner. Call John Burns 270.993.1109 MLS#68021

All Brick, one level home in East Daviess County. 3 Bedroom, 2 Bath, home w/ office/flex space. Custom built cabinetry, In-ground pool, Cathedral Ceilings w/ Sky Lights, Fireplace. All appliances stay. Call John Burns 270.993.1109 MLS#67295

cr A es

9 4,

/Century21Owensboro @C21Owensboro

www.CENTURY21Partners.com

2007, 2008 & 2013 CENTURION® Award Recipient 2010 President Greater Owensboro Realtor Associa�on 2007 REALTOR® of the Year

Opportunity is knocking! Attractive home in wonderful neighborhood across from Wesleyan Plaza. Convenient to shopping, schools & restaurants. All brick with newly refinished hardwood floors & updated kitchen with new appliances. Call John Burns 270.993.1109 MLS#68410

(270) 684-2100

JOHN BURNS REALTOR®, BROKER/OWNER

00 ,9 2 3 $1

Real Estate Inside Out

Wade Baker

UC D RE

Realtor® Realtor® Multi-Million Dollar Dollar Producer Producer Multi-Million 2010 Masters Masters Award Award 2010

5600 Woodcrest Ln. Really nice custom built home in Woodcrest, sitting on a large .745 acre lot. Features include hardwood floors, some 12' ceilings, lots of large windows for natural light and an over-sized 2 car attached garage. Large bonus room/4th bedroom. Call Wade Baker 270.929.0833 MLS#67488

Cell: (270) 929-0833

WBaker@Century21Partners.com WBaker@Century21Partners.com www.JWadeBakerRealEstate.com www.JWadeBakerRealEstate.com

00 ,9 9 4 $1

9 9,

0 Hwy 69 North

Lot #368 Rough River

708 Gunther Ave.

6281 Little Hickory

29 wooded acres +/approximately 1 mile south of Dundee, KY in Ohio County. Great hunting ground. Call John Burns 270.993.1109 MLS#68234

Green Farms Mansion is now a bed & breakfast in the resort. The historic mill & general store are still along Rough River as well. Rough River State Park & Lake are about 3 miles from this location. Lafayette Golf Course is part of the community as well. Call Stacy Sturgeon 270.929.8983 MLS#68769

Seller's best rental she has owned. Rented for $600 a month. Great location. Ready to go. Workshop in rear. Call Stacy Sturgeon 270.929.8983 MLS#68676

4.8 acres has ponds and several out buildings. Home needs work, but awesome location and potential to build. Great Price! Call Stacy Sturgeon 270.929.8983 MLS#67256

1230 St. Ann St.

Attractive Victorian Home in a Historic Neighborhood. Enter into a large sitting room featuring an ornate staircase. Original hardwood floors, updated kitchen and baths. Master bedroom with en suite & laundry. Dual HVAC units. Office can be 4th bedroom. Oversize single car garage and privacy fenced rear yard. Call John Burns 270.993.1109 MLS#67982

Brenda Loyal REALTOR® ABR, GRI, SFR, LKAR

2014 Realtor of the Year

Email: bloyal@century21partners.com

(270) 993-5233 Loyal Results MOVE You

5 2,

9 9,

822/824 Cedar St.

404 Skinner Ln.

HUGE fixer upper in downtown area 1 block from St. Stephens & next to Cedar Missionary Church. Could be amazing rental property!! Call Stacy Sturgeon 270.929.8983 MLS#68667

Utica, Utica, Utica!! Great spot in a great community. 2 large bedrooms, 1 beautiful bath. 6/10 of an acre of ground. Neighbors aren't too close. Huge deck off the back. Call Stacy Sturgeon 270.929.8983 MLS#68650

Stacy Sturgeon REALTOR®

Full Time Full Service

Realizing your expectations

270-929-8983 Ststurgeon@century21partners.com

12 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

SMARTER. BOLDER. FASTER. ®

Find Us on

(270) 684-2100

/Century21Owensboro @C21Owensboro

www.CENTURY21Partners.com

Brenda Lee

Brad Luppino

CRS, GRI, CRB Broker/Realtor®

(270) 929-5437 www.HomesInOwensboro.com

“Quality Service is My Motto.”

Realtor®

3507 Idle Hour Ct.

Call or Text Anytime

270.313.6516

Don’t miss this 3 bedroom, 3 bath brick, located on cul de sac in The Downs. Great room with trey ceiling and fireplace. 2 bedrooms downstairs, one bedroom, bonus family area and bath, upstairs. 2 car garage, and fenced yard with covered porch and patio. $249,900. Call Brenda Lee 270.929.5437 MLS#68658

BLuppino@Century21Partners.com

D EEY C S U UDM E R R

4585 Fountain View Trace

NEW LISTING!!! This custom 4 bedroom, 3 bath brick home offers a very open floor plan with a large great room, fireplace, gourmet kitchen, granite counter, kitchen bar plus formal dining and separate breakfast area. 2 bedrooms upstairs with additional family area for visitors or the children. Lovely landscaped yard with covered patio. 2 car garage. Separate laundry and many extras!!! Call Brenda Lee 270.929.5437 MLS#68122

W NE

S LI

N TI

1328 West Parrish Ave.

Very Very Nice!! Across from Moreland Park and Move-in condition, 3 bedroom/2bath, small yard - HOA is $80 per month. New Roof. Call Brenda Lee 270.929.5437 MLS#68751

Karen Gross

REALTOR®

Full Time Call or Text 3206 Bobwhite Ave.

Awesome all brick 3 BD, 1 BA home with large eat-in kitchen and 2 living areas. Nice back yard with patio and storage shed, separate laundry area. Updated furnace and AC. Call Karen Gross 270.315.9810 MLS#68804

2307 Chateaugay Loop

Nicely updated 4 BD, 2 BA Gulfstream model home. Newer AC, furnace and water heater. Open concept living room to dining area and kitchen. Nice storage building, privacy fence and updated garage door. Call Karen Gross 270.315.9810 MLS#68507

(270) 315-9810

2736 Wimsatt Ct.

All brick home with 2 BD, 1 BA, huge LR and original hardwood floors. Front porch and back deck to enjoy the outdoors. 2 Car garage w. power and work area. New breaker box and sump pump. Estimate to waterproof basement on file. Call Karen Gross 270.315.9810 MLS#68301

C DU E R

180 Doss Dr.

120 Maple St.

Secluded property located on the Green River. Open concept living and kitchen area. Heating and cooling 2 years old. Perfect for a getaway. Call Brad Luppino 270.313.6516 MLS#68389

This is a 2 bedroom, 1 full bath house that needs a little TLC. Newer roof and heat/AC unit. Additional sun room off kitchen. Call Brad Luppino 270.313.6516 MLS#67887

t Lo

1010 West 7th St.

407 3rd

Vacant lot on West 7th Street. 35x148 zoned R4DT. Approximate property boundaries are marked with orange stakes at each corner. Call Karen Gross 270.315.9810 MLS#67762

Be part of the Owensboro downtown. Vacant lot at the corner of 3rd Street and Crittenden Street. Currently zoned light industrial. Seller is willing to assist with rezoning. Call Karen Gross 270.315.9810 MLS#66774

2024 Merriewood Dr.

Awesome all brick 3 BD, 1 BA home. Huge eat-in kitchen. Hardwood floors. Replacement windows. Nice size yard. No flood insurance needed. All appliances stay plus washer/dryer. Call Karen Gross 270.315.9810 MLS#68794

George Wathen MBA REALTOR®

Multi-Million Dollar Producer

4300 Yewells Landing W

All brick home in Landsdowne with 3 BD and 2 Full Bath with Living Room and Family Room/ Dining Room. Furnace and A/C just 1 year old, roof 5 years old, and water heater 4 years old. This home can be yours with newer laminate flooring, gas fire place, kitchen bar, attached 2 car garage. Covered patio will be awesome to enjoy the outdoors. Storage Building, Washer and Dryer included. Call Karen Gross 270.315.9810 MLS#67707

(270) 316-5883

1653 Parrish Ave. East 1 acre light industrial lot on East Parrish Avenue. Call George Wathen 270.316.5883 MLS#67858

2238 Ragu Dr. This is a great vacant lot that is perfect for a business. This size and type of lot is a rare find. There is roughly 225 feet frontage and a depth of over 450 feet.. It is currently zoned I-1. This lot is next to the Federal Express Building. Call George Wathen 270.316.5883 MLS#67483

The following real estate transfers were recorded from April 7 to April 13. 2520 Lake Pointe Drive, John and Annette Dalton to Elizabeth Ewing, $114,000. 2266 Ponder Place, Raymond Keller to Kennethia Farris and John Hast, $118,500. 2224 Parrish Ave. W., James and Doris Marsh to Jason May, $119,000. 4423 Thruston Dermont Road, William and Ruth Phillips to Roger and Melissa Duvall, $159,000. 4904 W. Fifth St. Road, Darlene Lott to Larry and Jennifer Crabtree, $120,000. 219 Redbud Road, William and Lyndsey Hagan to Anna Bryant, $117,000. 1620 Ford Ave., Lucinda and Paul Howson to Cathy Tichenor, $129,000. 477 Newman Stillhouse Road, Bradley and Brandy Stephen to Rudy Grain Farms LLC, $565,000. 5015 Boswell Road, Jessica McKenzie to Michael Green, $105,750. 1605 Pawnee Place, Trisha Burdette to Jason Smith, $88,500. 4920 Frederica St., 5000 Frederica St. and 5130 Frederica St., Ronald Presser, master commissioner, to U.S. Bank National Association, $18,933,334. 123 W. 22nd St., Maureen and Michael Moore to Lindsey Kafer, $135,000. 2119 Meadow Grass Creek, Cora and Jeffrey Goetz to George and Daphne Lynchard, $147,500. 4837 Kentucky 81, Hacienda Properties LLC to Rodger Husk, $35,000. 2535 Seminole Place, Brandon and Tori Norris to Brandon and Mary Murphy, $101,500. 836 Parkway Drive, Eric and Yvette Girvin to Mark and Deanna Ratajczak, $135,000. 2309 Wilson Lane, Ronald Presser, master commissioner, to KNM Properties LLC, $30,500. 6214 Autumn Valley Trace, Angela L. Thompson, master commissioner, to Gary Boswell, $159,000. 3059 Steeplechase, Gary and Vada

Saturday, May 28, 2016 Messenger-Inquirer

Real Estate Transfers Rone and others to Jerry and Mary Wells, $150,000. 2646 Yellowstone Drive E., Ronald Presser, master commissioner, to Treychip Enterprises LLC, $58,100. 2221 Southeastern Parkway, Su Ki Kim and Kuiza Kim to James Masterson, $129,900. 1820 Fieldcrest Drive, Roxanne Aull to Steven and Sarah Ford, $361,000. 3818 Benttree Drive, 111 Properties LLC to Sara Shelton, $85,000. 3013 Stirrup Loop, Andrew and Karen Feldhaus to Richard Lawson, $143,000. 4500 Barrington Place, Derek and Melissa Hibbs to Crystal Rainey, $148,000. 2516 Lake Pointe, Joseph Santos to Brandon and Rebecca Haines, $80,000. 335 Parrish Ave. W., Angela L. Thompson, master commissioner, to Owensboro Rental Property LLC, $116,000. 2343 Palladio Ave., Angela L. Thompson, master commissioner, to Billy and Helen Emberton, $85,500. 418 Reid Road, Phillip and Angela Worth and others to Peggy Craft and Carla Johnston, $27,500. 1302 Locust St., Daniel and Katharine Dowdy to Jason and Jessica Newton, $116,000. 5478 Meadow Grove Drive, Paula Payne to Christina and Thomas Crusenberry, $255,500. 3127 Allen St., Angela L. Thompson, master commissioner, to Robert Zimmerman, $64,000. The following real estate transfers were recorded from April 13 to April 20. Two parcels on Ashbyburg Road, Mark and Melodie Boswell to Lewis and Jennifer McCrystal, $35,000. 3410 Ashlawn Drive, Tina and Buxton Johnson to AmberJenn LLC, $80,000. 2702 Wesleyan Park Drive, Gregory Black to William Aud, $124,000. 1120 Gilbert Lane, Hunter and Bailey Troutman to Katelyn McEntire, $81,400. 262 Abbie Ave., Thomas and Christy

Crusenberry to William and Lyndsey Hagan, $199,900. 5539 Goldenrod Lane, Jagoe Homes Inc. to Paula Payne, $209,500. 5865 Old Kentucky 54, PVHead Rentals LLC to Cody Pearl, $52,500. 1725 E. 26th St., Samuel and Heather Williams to Blake Gish, $87,000. 5523 Goldenrod Lane, Jagoe Homes Inc. to Joel and Brittany Sisco, $192,464. 1900 Triplett St., JP Morgan Chase Bank to B&K Partners LLC, $210,000. 2325 Wilson Lane, Billy and Helen Emberton to L&S Homes LLC, $10,000. 6568 Autumn Creek, Kenneth and Wendy Drake to Daniel Baird, $190,000. 2544 Iroquois Drive, Andrea Ward to Nevada Curry, $104,400. 5496 Meadow Grove Road, Nicholas and Josie Kroeger to Derek and Melissa Hibbs, $249,900. 3827 Countryside Drive, Dorine Benjamin Trust to William Fares Jr. and Aston Fulkerson, $154,900. 3025 Allen St., Wilfred and Mary Lois Hagan to Aull’s Property Management and Rental LLC, $72,200. 1838 Fieldcrest Drive, Melissa Brown to Robert and Elizabeth Blandford, $179,900. 2522 Baylor Place, estate of Mary Ruth Shoemaker to Ronald Kafer, $108,000. 608 J.R. Miller Blvd., Steven and Theresa Nichols to Carissa and Daniel Sexton, $40,000. 2456 Spencer Drive, Roberta Driesler to Logan and Julia Roberts, $155,000. 1513 Creek Haven Loop, Jason and Jessica Newton to Christopher and Jennifer Vogel, $291,000. 528 Bolivar St., Erica Hagan to Debra McBroome and James Shaw, $78,000. 4013 Maxwell Place, Ronald Presser, master commissioner, to CitiFinancial Servicing LLC, $53,291. 817 E. 21st St., Kenneth Caselden and LeAnne Musick to LeAnn Little, $85,000. 2525 Lake Pointe, Harry Cason to J&H

Sonya K. Pruitt

Mortgage Loan Officer NMLS 576039 1016 N. Mulberry Street • Elizabethtown, KY 42701 T 270.766.1492 • C 270-766-4470 • F 877.715.6319 sonya.pruitt@pncmortgage.com A division of PNC Bank, National Association

Real Estate Inside Out

Enterprises LLC, $79,900. 5054 Diamond Drive, Steven and Abigail Fulkerson to Cameron and Kayla Ikeard, $164,900. 3938 Normandy Drive, Angela and Tony Stephens to Brian and Stephanie Rowan, $160,000. 2212 Ruby Court, Teresa and Douglas Meyer to Matthew Roth and Jordan McCarthy, $145,000. 3601 South Griffith Ave., Margaret Fenwick to Mickey D. Coffeelady 1 LLC, $163,250. 1332 Claranette Court Unit 4, Dana Boarman to C. Stephen and Sharon Knight, $58,000. 2918 Aldersgate Drive, Gary and Margaret Boswell to Landon Rone, $103,500. 535 Orchard St., Greater Ebenezer Temple Church to Alfred Lewis, $1,500. 418 Walnut St., David and Linda Beckman to Michael Autry, $50,000. 10D Quail Ridge Court, Melissa Lantrip to Lourdes Goldberg, $87,000. 2533 Arbor Terrace, Stephen and Brian Rowen to Hannah and Quadarius Wallace, $119,000. 9935 West St., Whitesville, Elliott and Elizabeth Ozment to Whitesville Mercantile LLC, $200,000. 3842 Countryside Drive, Brett and Lindsey Hudson to Daniel Courtney and Jennifer Booth, $182,500. 3535 Legacy Run, Jaclyn Raley to Lana McGarvey and Michael Rouse, $145,000. 2134 Village Run, Christian Hayden to Hillary Ford, $115,000. 3110 Wood Valley Point, Martin Custom Building to Steven and Sheila Kingsley, $434,000. 5527 Skyline Drive, Courtney and Paul Thompson to Devin and Kelli McKnight, $217,900. 2509 Cavalcade Drive, Aaron and Sarah Bullington to Edward and Martha Garvin, $110,000. 1710 Mount Vernon Drive, Devina Bush to Darrel and Linda Bruner, $85,500.

14 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

Suburban Oasis O

BY LIBBY JOHNSON

pen concept. Large, private lot. Elegance combined with easy living. Numerous Upgrades. Well loved and maintained. In a nutshell, 4535 Wexford Crossing, in the Lake Forest community, is a perfect home awaiting its next family. Custom built in 2000, this elegant home was designed and maintained with love and care. Its classic brick exterior is both stately and welcoming. Inside, solid hardwood floors flow through the main level’s elegant entr y foyer into the formal dining room, great room and kitchen. Wood moldings fur ther unify the spaces. The two stor y great room anchors the first

floor and ser ves as the hear t of the home. Easy access to the kitchen and dining room are perfect for large gatherings. A gas fireplace and a bevy of window help make the space pleasant even on the dreariest of gray Owensboro days. Generous and well designed, the kitchen features an abundance of quality natural cherr y cabinets. In the center, there is a functional island with generous space between the cabinets and the island. The pantr y is walk-in and boasts new solid surface counter tops that are resistant to heat (and unlike granite, not known to emit radon.) “One of my favorite features of this home is the high quality stainless steel appliances, including

the fiver burner gas cooktop,” listing agent Angela Clark said. The home features four bedrooms, including the first floor owners’ suite. The spacious retreat of fers privacy and function. Owners will enjoy the massive walk-in closet. “Storage was an impor tant element of this home’s design,” Broker Tony Clark said. “This home delivers what today’s homeowners need and want.” The master suite also has access to the rear patio and hot tub. Upstairs you will find a second floor loft with built-in bookcases and three more bedrooms, each with substantial closets. A large bathroom with double sinks makes for easy sharing between siblings Sitting on one of Lake Forest’s

largest lots, with a little over half an acre in proper ty, the charming Southern suburban oasis features a three-car side load garage in which one bay has a built in workbench and pegboard for tools and toys. Behind the home, a garden gate beckons visitors to the park like yard. Mature trees, a privacy fence, and exceptionally designed landscaping that ensures something is in bloom ever y season, make for a beautiful and safe outdoor living location. While there’s little to no room for improvement in this house, there is plenty of room for improving a how a family lives by moving into this fabulous listing. TONY CLARK REALTORS

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2960 2960Fairview Fairview Drive Drive Owensboro, KY Owensboro, KY Search at SearchAll AllListings Listings at

www.gulfstreamdev.com www.gulfsteamdev.com

Jay Velotta

Jay @gulfstreamdev.com Cell: (270) 314-1130 Office: (270) 663-2305

3300 Frederica Street 18,950 SF building on 1.95 acres centrally located on Frederica Street near KWC MLS# C68763

101 Frederica Street 30,000 SF building for lease- 8941 square foot restaurant space on the ground ﬂoor of a new multi-story residential condo building located on one of downtown Owensboro’s premier corners. The building includes a large outdoor patio with great views of the river, as well as a numerous amenities. The restaurant space can be subdivided. MLS# C65043

2065 East Parrish Avenue Approximately 3.25 acres of premium development land in 2 parcels across from The Springs complex MLS# C68545

408 Frederica Street – Over 3 Acres of premium property in downtown Owensboro on the corner of Frederica and 4th Streets MLS# C67776

3910-3915 Hwy 54 – The Woodlands – Almost 5.5 acres of property available offering Hwy 54 access MLS# C67745 &C67746

3248 Mt. Moriah Avenue 1 acre commercial pad located on a corner lot at Highway 54 and Fairview Drive. Will ground lease or build-to-suit. MLS#C67871

315 Carlton Drive 17.69 ACRE COMMERCIAL PROPERTY LOCATED BETWEEN FREDERICA STREET AND JR MILLER BLVD. MLS#C67321

35 Acres offered in 2 parcels near growing Hwy 54 Retail corridor and Owensboro Regional Health. Visible from the by-pass. MLS# C68140

2060 East Parrish Avenue Approximately .9 acres of premium development land across from The Springes complex. MLS# C68839

Highland Pointe Development – Over 20 Acres of mixed-used development consisting of restaurants, ofﬁce buildings, hotels, and retail properties. Parcels in Highland Pointe are available for ground lease, and the owner can build to suit.. Existing users within the development include: Academy Sports & Outdoors, Cheddar’s, Culver’s, Logan’s Roadhouse, Ashley Furniture, Courtyard Marriott, and US Bank.

1201 Hall Street over 9,000 SF of space in 2 story building on corner lot offering newly renovated executive ofﬁce space, Shop, tool room and Warehouse. MLS# C66509

Heritage Park Development Heritage Park is a mixed use planned development near the Owensboro Regional Airport. MLS#’s C66360,C66361, C66362, C66363, C66364, C66365

1201 Frederica Street building is located in the heart of Owensboro Frederica Street offering over 20,000 SF. MLS# C64427 Investment Opportunity!

5036 Best Way – 38.78 Acres. MLS# C67777

2000 East Parrish Avenue – Approximately 7 Acres. MLS# C65362

3200 West Parrish Avenue Approximately 1.067 Acres of vacant land. MLS# C64786

3216 Buckland Square Approximately 2.45 acres of vacant land adjacent to Owensboro/ Daviess County Regional Airport. Large lot on corner of Carter Road and Buckland. MLS# C64787

5010 Wildcat Way 20000 SF retail strip center Adjacent to Walmart. Spaces range from 1500 SF to 10,000 SF. Available immediately. MLS# C64412

3415 New Hartford Road This .76 acre lot Zoned B-4. MLS# C65024

1201 East 18th Street FOR LEASE - approximately 10,000 SF warehouse space 2,000 SF Professional Ofﬁce space - Call for pricing. MLS# C66943

4232 and 4320 West Parrish Avenue – total of 6.74 acres. Property is contiguous or can be separated. Corner of West Parrish Avenue and Old Calhoun Road. MLS#’s C64979 and C64977

1 Bullfrog Blvd. Premium professional ofﬁce lease space at air park – MLS# C67398

11020 Hwy 54 - Whitesville Turn-key bar and package liquor store perfect situated on the Daviess/ Ohio Co. line. Over 4 acres of property and 2900 SF building. MLS# C68680

1711 East Parrish Avenue 1.51 Acres of commercial land offering Great location. Possible build to suite. MLS# C66122

1440 Pleasant Valley Road -

1731 West Parrish Avenue 2.816 +- acres, centrally located. (350 +- ft. of frontage). MLS# C65038

3926 Hwy 144

FOR SALE OR LEASE - BUSINESS NOT INCLUDED IN SALE Building has over 2500 SqFt with many updates to the property. Lease in NNN. Trafﬁc count averages between 15k-25k daily. MLS# 68408 $289,900

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3 ways your home value can help in retirement BY BPT

Your retirement. Your golden years to spend doing the things you enjoy - hobbies, travel, more time with family, and so on. But can you afford to live your post-paycheck life the way you always hoped? Research from the National Retirement Risk Index estimates that more than 50 percent of households lack enough retirement funds to maintain their pre-retirement standard of living even if they work until age 65. It’s a scary statistic, especially if you’re approaching retirement age and don’t feel financially prepared to leave the workforce. Fortunately, even if you are facing a retirement shortfall, you do have options to help supplement your savings. For senior homeowners, those options could be in the walls around you. Financial planning experts and academics from The American College, Boston College, Columbia University, and MIT, agree that incorporating home equity into a retirement plan helps savings last longer. The question is: what’s the best way to access your home’s equity? Here are three popular options.

The home equity line of credit

A HELOC allows you to establish a line of credit based on a percentage of the value of your home. You can then access this credit during a predetermined amount of time called a “draw period,” usually 10 years. During the draw period, you can borrow up to the designated amount while making monthly interest payments, and, if you choose to pay back on the principal, you can draw out again, much like a credit card. After the draw period when the HELOC resets, you are responsible for repaying the principal and interest either immediately or over a set period of time depending on the terms of the loan. You should be aware that if your home value depreciates, or if your financial circumstances change, the lender has the right to freeze your credit or even cancel your loan.

Reverse mortgage

A reverse mortgage is a loan that senior homeowners age 62 or older can use to convert part of the equity in their home into a usable asset, without giving up title or ownership of the house. According to Professor Wade Pfau of

The American College, “the reversemortgage option should be viewed as a method for responsible retirees to create liquidity from an otherwise illiquid asset.” Reverse mortgages are attractive to seniors, in part, because they require no monthly payment and do not have to be paid off until the last borrower permanently leaves the home. You have the option of taking the loan proceeds as a lump sum, a fixed monthly or tenured payment, or as a line of credit. Last year, more than two-thirds of borrowers took a combination of regular payments and a line of credit. Reverse mortgages also feature a nonrecourse provision that protects you from ever owing the lender more than the value of your home, even if the house is “underwater” when you are ready to sell. You are still responsible for paying your property taxes, homeowner’s insurance, and upkeep expenses or risk the loan being called due and payable.

Cash-out refinancing

Cash-out refinancing allows you to refinance an existing home loan - hopefully at a lower interest rate - and also refi-

nance the home for a dollar value higher than the remaining principal. This loan allows you to keep the money above the principal as liquid cash that can be used to pay down other expenses or fund your retirement. Like your original forward mortgage, if you miss a monthly payment due to unanticipated expenses from a health care emergency or other life disruption, your loan could be called due and payable, and the lender could move to foreclose on your property. Retirees may also face challenges qualifying for a cash-out refinance because of underwriting standards that require a certain amount of monthly income.

Choosing the right plan for you

While all three plans have their appealing points, new consumer safeguards for reverse mortgages are fueling their popularity among seniors who want the benefit of no monthly payment, a loan that can’t be canceled or reset, and the option of a line of credit that increases over time. If you’re interested in pursuing a reverse mortgage, the National Reverse Mortgage Lenders Association can help.

2960 Fairview Drive Owensboro, KY 42303 Search All Listings at

www.gulfstreamdev.com

RESIDENTIAL AGENTS AND LISTINGS GS Renee Ginn Roethemeier

Kevin Russell (270)314-4481 4904 CAMBRIDGE DRIVE

PENDING

(270) 222-0900 (27

(270) 313-4246 300 E 5TH ST.

ALL BRICK, NEWLY RENOVATED, 3 BEDROOMS, 1 & 1/2 BATH, CARPORT & HUGE FENCED IN BACKYARD WITH PATIO. SCHEDULE YOUR TOUR TODAY! PROPERTY QUALIFIES FOR USDA FINANCING! MLS# 68634 $84,900

FANTASTIC OPPORTUNITY IN THRIVING DOWNTOWN OWENSBORO. ZONED P-1 SO MANY USES FROM SINGLE FAMILY, DUPLEX, AND PROFESSIONAL USE. NEEDS TLC BUT IS RICH IN CHARACTER AND CHARM. GREAT CANVAS FOR A MASTERPIECE. MLS# 64926 $150,000

10036 WALNUT ST. WHITESVILLE

2129 BERKSHIRE DR. CONTRACTOR SPECIAL -

ATTENTION INVESTORS OR FIRST TIME HOME BUYERS! GREAT OPPORTUNITY IN WHITESVILLE. 3 BR, 1 BATH. DEFINITELY WORTH A LOOK AND WON’T LAST LONG. MLS# 66221 $54,900

Jimmy Gaw Ji

FINISH THIS ONE TO SUIT YOUR TAST - PLANNED 4 BEDROOM 2 BATH HOME OFFERING THE

OPPORTUNITY TO BUILD TO SUIT YOUR NEEDS. NEWER ROOF.

MLS# 66043 $34,900

2005 BRECKENRIDGE ST.

7353 PETERS ROAD REED, KY

CENTRALLY LOCATED CORNER

HOME WITH 4+ ACRES AND

DOUBLE LOT HOME WITH MANY

WALK OUT BASEMENT. UPDATES

UPDATES! THIS COULD EASILY

INCLUDE NEWER ROOF, SIDING,

BE A 4 BEDROOM 2 BATH HOME.

DRY BASEMENT! INTERIOR NEEDS UPDATING. MLS# 68066 $94,900

PENDING

510 WING AVE

COMPLETELY REMODELED 2 BR 1 BA. HARDWOOD, TILE, NEW HVAC AND APPLIANCES, AND DOUBLE DETACHED GARAGE. MOVE IN READY! MLS# 68743 $84,900

FURNACE, CABINETS, FLOORS,

AND MORE! DON’T MISS OUT!

MLS# 68250 $164,900

13662 HWY 231

Turnberry Estates New residential development offering various lot sizes. REMODELED INSIDE AND OUT! Wooded, lake front and lake DOUBLE ATTACHED GARAGE, view. Call to schedule private viewing today. BARN, AND IMPLEMENT SHED 3 BR 1.5 BA. COMPLETELY

PENDING

ON 9 ACRES

MLS# 68673 $194,900

22 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

Principal Broker, Rip Phillips kellerwilliams.com

Diane Brancato REALTOR® 270-316-1127

Jim DeMaio REALTOR® 270-485-5466

Wes Donahue REALTOR® 270-314-9952

Mandy Millay Laura Beth Mitchell Lauren Pierce Listing Manager Market Center Administrator Transaction Coordinator Kelly Anne Harris Team Kelly Anne Harris Team

Valerie Reel REALTOR® 270-316-2772

Kelly Anne Harris REALTOR® 270-929-5857

Brandi Rone REALTOR® 270-485-3612

Kelsey Jarboe REALTOR® 270-903-0564

TJ Stinnett Marketing Specialist Kelly Anne Harris Team

Steve Lewis REALTOR® 270-302-3426

Shari Tapp REALTOR® 270-993-7181

Melissa Maze REALTOR® 270-929-4898

Robbie Thompson REALTOR® 270-316-9294

Jody Young REALTOR® 270-993-2325

92 MAPLE LEAF DRIVE

6151 HWY 54

$69,900 • MLS 68172

$11,000 • MLS 68171

$119,900 • MLS 68385

1412 HWY 554

1428 W 3RD STREET

2229 CITATION AVENUE

D UCE RED

8613 HWY 815

Sheryl Edge REALTOR® 270-302-4263

ITE ING S D L I U B

Brandi Rone 270-485-3612

MENT INVEST T A E R G

NT EME S A B

$124,000 • MLS 68610

$49,900 • MLS 68503

$119,900 • MLS 68870

135 W 5TH STREET - CALHOUN

68778 MAPLELEAF LAKE CIRCLE

6230 SUTHERLAND RD

Brandi Rone 270-485-3612

W NE

$94,900 • MLS 68214

Steve Lewis 270-302-3426

W NE

$169,900 • MLS 68778

$1,250,000 • MLS 68828

Kelly Anne Harris Team 270-929-5857

2201 MEADOWNHILL LANE

1607 HAMPTON CT

2271 DEER VALLEY BLVD

W NE

$369,900 • MLS 68827

Kelly Anne Harris Team 270-929-5857

W NE

$429,900 • MLS 68785

Kelly Anne Harris Team 270-929-5857

$378,389 • MLS 68110

Kelly Anne Harris Team 270-929-5857

ose ealty

Saturday, May 28, 2016 Messenger-Inquirer

Selena Pearl

(270) 926-4203 2315 Frederica St.

Lee Ann Beeler

Realtor

NEW LISTING

Realtor

Karen English

Nathan Johnson

Realtor

Real Estate Inside Out

Lori Rose Castlen McDaniel Garant

Realtor

270-313-1182 270-316-0876 270-929-8499 270-993-6548

Ofﬁce Manager

Realtor

Attorney

100 E. 25TH ST. bedrooms, 1 bath (updated), newer flooring and kitchen appliances, includes washer and dryer, storage building replacement windows, fence, and two-car attached garage. Reduced to $74,900. MLS # 67738.

Mike 270-570-5454 or Betsy Garant 270-570-0638

Call/text

Nathan Johnson 270-993-6548

4823 OAK MEADOW CT.

5 ACRES

Beautiful home located in Timber Ridge on 1 acre, 4 BR, 3 BA, full finished basement, in-ground pool, 2 fireplaces, many custom cabinets, bamboo, cherry & oak floors, dining area, family room, patio, privacy fence & garage. A MUST SEE! Reduced to $339,000. MLS # 67637.

Mike or Rose Garant 270-570-5454

11358 PLEASANT RIDGE RD.

Own this beautiful country home you’ve been looking for! Located in Pleasant Ridge on 5 acres, well-maintained home, 3 BR, 2 BA, land mostly cleared, fence surrounds property, perfect for livestock or orchard, 30x30 garage, multiple outbuildings & more! MLS # 65940.

Call/text

Nathan Johnson 270-993-6548

MULTI UNIT

for showings

COMMERCIAL PROPERTY

318 W. 8TH. ST.

200-202 BRECKENRIDGE ST.

Located near Brescia College & downtown area, this

Located downtown on 170x150 corner lot. Zoned B3 Commercial property, excellent for car lot & also has 3 car garage to work on autos. Currently leased @ $695.00/month thru 12-012016 as Commercial Car Lot. Only $124,900. MLS # 67313.

home has two (2 bedroom apartments), 2 kitchens, 2 living rooms, dining area, new basement drainage system with sump pump, replacement windows, patio, fence & garage. MLS # 67911 & 67912. Only $89,900.

Call

Realtor

Jennifer Hendricks

Amazing location on corner lot with 3

Located in Griffith Ave. area, completely remodeled home from top to bottom, 4 bedrooms, (extra large master), 3 baths, (2 bedrooms upstairs w/large bath), family room w/fireplace, oversized kitchen, partial finished basement, patio, carport & much more! $200’s. MLS # 68860

Call

Betsy Garant

270-926-4203 270-570-5454 270-570-0638 270-689-0707

823 COTTAGE DR.

Call

Mike Garant

Mike or Rose Garant 270-570-5454

Call

Rose Castlen 270-926-4203

2511 BITTEL RD.

Great deal for investors or finishing the home to your taste. Nice fixer-upper with 3 bedrooms, 1 bath, fenced yard. Home is partially remodeled with new flooring, new roof, 2012, new water lines to street, breaker box with wiring & heating/air unit all replaced in 2012-2013. Only $60,500. MLS # 68365.

Residential LOT

SOLD

3142 HWY 142 (PHILPOT)

Nice find in East County on one-half acre with 3 bedrooms, 1 bath, hardwood floors, spacious kitchen, metal roof, front porch, attached one-car garage with heat and updated breaker box! A MUST SEE!. Reduced to $62,900! MLS #66956. Call/text

Nathan Johnson 270-993-6548

Call/text

1611 PARRISH AVE. WEST

Located across from Hermitage Manor near Moreland Park, nice, updated home with 2 bedrooms, 1 bath, dining area, hardwood flooring, new carpet installed Feb. 2016, unfinished basement, freshly painted interior, brick patio, 3 fruit trees and double carport to alley. Only $69,900! MLS # 67759.

SOLD

Call/text

Mike or Rose Garant 270-570-5454

(270) 926-4203

Selena Pearl 270-313-1182

2733 HAYDEN RD.

Located in East County off Thruston-Dermont Rd., Residential Lot on .61 acre cleared & fenced. Great building site with nice elevation. Only $29,900. MLS # 68625. Call/text

Nathan Johnson 270-993-6548

NEW LISTING

NEW LISTING 3034 VEACH RD.

4000 KIPLING DR.

Great investment home needing a little TLC. Located near Legion Park, this home has 3 bedrooms, 1 bath, patio, fence & parking pad. Only $53,900!. MLS #68531.

D SOL 30

Located in Poet area, neat & clean home, 3 BR, 1 BA, many updates including: Newer countertops, refrigerator, dishwasher (2014), fresh paint interior & master closet remodel 2015, Roof (2009), main sewer/water lines replaced, patio, deck, above ground pool, 2-car detached garage. $90’s. MLS # 68575.

PENDINGS IN 2 DAY

Call/text

Mike or Rose Garant 270-570-5454

IN DAYS

Call/text

Mike or Rose Garant 270-570-5454

www.OwensboroRoseRealty.com

(270) 926-4203

24 Real Estate Inside Out

Saturday, May 28, 2016 Messenger-Inquirer

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Associate Broker/Owner

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1590 Riverview Dr â&#x20AC;&#x201C; Lewisport Custom built, luxury home on Ohio River! River View! River access, only 14 miles from new hospital! Brick home with full basement, partially finished on 1 acre lot. Attached 1 car + garage and 30 X 44 detached garage with heat and AC. 3BR, 2.5 bath, 2,575 sq ft above and 1,730 sq. ft basement. Lots of windows to enjoy the view along with a back porch, automatic gas generator and many other extras! Must see! Call Marsha Westerfield @ 270-316-2240. MLS # 67818.

Mostly Wooded. Some good timber, last logged about 25 years ago. Has utility easement. Contact Marsha Westerfield at 270-316-2240. MLS # 68153

214 Hill St. Terrific central location in Livermore, near Public Library, shopping, City Hall! Current renters bring in over $1100 per month. Contact Gordon Barnett for your personal showing at 270-4853300. MLS # 68492

3100 W. Parrish Ave Buy all or part of this great property - Outstanding opportunities located just off US 60 Bypass on West Parrish Ave Hwy 56. Very high traffic count. Will divide property as required. Â Call Gordon Barnett at 485-3300 for more information. MLS#61611

1. Call Robert

2063 Spring Creek Trace One level living at itâ&#x20AC;&#x2122;s Best! Beautiful one owner home in Woodland Ridge. Custom brick home features 3 bdrms, 2 baths & open concept. Gourmet Kitchen w/ gorgeous Amish cabinets & more! The one youâ&#x20AC;&#x2122;ve been WAITING for! Call Vickie Ballard at 270-9936573. MLS # 68130

2. Call Robert

3. Call Robert

Robert Johnson Cell: (270) 929-1091

â&#x20AC;&#x153;Large or Small, I Sell Them All.â&#x20AC;? Email: Robert9291091@gmail.com

www.RobertJohnsonRealtor.com

Agent

Vickie Boarman Ballard

$149,900 521 St. Ann St. Beautifully Restored Home w/ Tremendous Character! 5 Bedroom, 3 Bath home w/ updates galore, basement, 5 fireplaces and much more. Truly a Masterpiece! Call Vickie Ballard for your personal showing at 270-993-6573. MLS # 67942

270-993-6573 VickieBallard7@gmail.com Friendly Professional Service You Can Trust!!

NG I D PEN

WALKOUT BASEMENT

4549 Bridle Ridge Rare find! One Owner WALKOUT BASEMENT HOME! Custom home Features 4 spacious Bmdrms, 3 Bthrms, Formal Dining Rm, Bonus Rm, and lots of storage! Master Suite on Main Floor with large walk-in closet. New BEAUTIFUL Wood Flooring in Spacious Family Rm. Call Vickie at 270-993-6573. MLS # 68000

www.VickieBallard.com GREAT INCOME OPPORTUNITY

$69,900

NG I D PEN

Once in a lifetime opportunity! Multiple fishing lakes, plenty of campsites (primitive and full hookup), a beach, and horse and bike trails. Swimming lake with water slide and diving boards. Picnic area, over 220 acres, pay lake stocked regularly. Ten miles south of Owensboro, off KY 81. Call Gordon Barnett for more information and to see at 270-485-3300. MLS # 68765

3 Steps to SOLD!

1987 Greenbriar Rd Donâ&#x20AC;&#x2122;t miss out on your dream home! With this nice piece of ground to build your new home and have all the room to play or raise your crops. Totally cleared and lots of road frontage. Call Robert now for more information at 270-929-1091. MLS # 68671

$299,900

D SOL

$209,900

2510 Parrish Avenue W & 2514 Parrish Ave W Great investment property. This lot at 2514 A & B West Parrish Ave. has a commercial building and a residential home. This property is to be sold with 2510 Parrish Ave West, to include both residential houses and the commercial building. Each home is 2 Bedroom & 1 bath and is currently being rented. The commercial building is an Auto Glass company. This property is in a prime location and high traffic area on West Parrish. Let your imagination soar with possibilities for any new development in this prime location. $299,000, Call Robert Johnson @270-929-1091. MLS # 67767 & 67769

Bates Hollow Rd. - Hawesville

5141 Windy Hollow Rd.

500 Parrish Ave E Ideal location at the corner of East Parrish & Sweeney. Building is great for retail, wholesale, mechanical, electrical, or many other uses! Includes an office, restroom & two large overhead doors! Potential owner financing available. Call Gordon Barnett 270-485-3300. MLS# 68052

$165,000

MarshaWesterfield@gmail.com

www.MarshaWesterfield.com

$1,500,000

$199,000

270-316-2240

NG I D PEN

603 St. Ann St. MOTIVATED SELLER! 3 Rental Units! 2 Units are 1 bdrm, 1 bath. 3rd Unit, which is upstairs, consists of 3 bdrms, 1 bath. Unfinished basement, great location near Brescia College & Downtown. Call Vickie Ballard at 270-993-6573. MLS #67780

VICKIEBALLARD7@GMAIL.COM â&#x20AC;˘ WWW.VICKIEBALLARD.COM â&#x20AC;˘ 270-993-6573

$189,900

Gordon Barnett

Call Today

$6,400,000

610 Pell St, Lewisport New to Market!! Older home with large front porch, detached 2 car garage, storage building and large fenced back yard. New heat & AC, new carpet, completely remodeled bath. 3 bedrooms, 2 upstairs. $66,000.00. Call Marsha Westerfield for your personal showing at 270-316-2240. MLS #68867

$128,000

1204 Maple Ave. Let the summer begin! Enjoy your new home with an inground pool in the desirable Health Park area. 3 bedroom, 2 bath home, beautiful hardwood floors. Master on main floor. Enclosed sunroom leading to pool area. 1,768 square feet sitting on a corner lot. 2 car attached garage. Living room fireplace in the living room/dining room combined. Call Karen at 270-903-2067 or Amelia at 270-925-9413. MLS # 68749

$325,000

$66,000

$148,900

********* Servicing the Area for Over 50 Years!! ********** Marsha Westerfield

4313 Gateway Excellent Opportunity! Great location off Hwy 54! Suitable for a variety of Businesses w/ a B4 Zoning, ranging from a Restaurant to many other uses. Drive thru, ample parking, and some restaurant equipment. Call Vickie Ballard at 270-9936573. MLS # 68722.

Saturday, May 28, 2016 Messenger-Inquirer

Real Estate Inside Out

Connie Lou Barnett, v%X\LQJ RU 6HOOLQJ ,WuV *RW WR EH 5HDOw Principal Broker/Owner *5, &56 &5% 500 $5$ 356 46&

4203 Buckland Sq. This one is a cream puff! Heat and Air 3yrs, roof 3 yrs, laminate floor, replacement windows, interior doors 3 yrs, remodeled bathroom 3 yrs. 1 car garage, privacy fence. Show and itâ&#x20AC;&#x2122;s sold. Contact Connie Barnett for your personal showing at 270-929-0369. MLS # 68557

$74,500

$74,900

G N I D N E P

OPEN SATURDAY, 5/28 10:30AM- 12 PM.

9326 Sauer Ln. Nice home with 1 acre lot. 3bedroom, 2 baths, spacious living room and kitchen. Split bedroom concept. Appliances in kitchen plus deep freezer. Ceiling fans and blinds, walk-in closets. Plenty of room for a garden. Near Kimberly Clark. Call today for your personal showing. Call Connie Barnett for your personal showing. MLS # 68572

$122,500

3800 Covent Garden Ct.

A quiet & secluded setting on a large 2.2 acre lot, but in the heart of a very convenient subdivision in a preferred school district. 4 Bedrooms, 2 baths, 2735 sq ft plus 294 sq ft in the Sunroom not included in the total sq ft. Contact Connie Barnett at 270-929-0369. MLS# 68227.

G N I D PEN

815 Morton Lane-Lewisport Nice corner lot, brick home with replacement windows, newer appliances, newer laminate floor in kitchen, newer blinds, 1 car carport, storage shed. Great buy! Current home warranty will be passed on to new buyer. Contact Connie Barnett @ 270-929-0369 for your personal showing. MLS # 68461

Jason Bellamy 270-302-4095 Providing Great Service Designed Around YOUR Goals! JasonEBellamy@gmail.com

www.JasonBellamy.net

8746 Ward Road Totally rebuilt - new foundation, new drywall, new insulation, new windows, new electrical, new plumbing, new roof, new cabinets, new appliances, new heat and air, new carpet and flooring. Come see this 2-3 bedroom country home with gorgeous views. 2 outbuildings, all this on 1.47 acres. Call Connie Barnett at 270-929-0369. MLS # 67960

$279,900

3114 Bridgewater Cove

One of a kind, strikingly unique inside and out! Exposed wooden beams, hand hewn hickory plank floors, top of the line appliances. Awesome chefâ&#x20AC;&#x2122;s kitchen with quartz countertops. Butlerâ&#x20AC;&#x2122;s pantry, media room, library, sunroom with additional 336 sq ft, screened porch with fireplace, great room with fireplace. Ownerâ&#x20AC;&#x2122;s bedroom with extra large bath and designer closet. Must see to appreciate all the amenities! Call Connie Barnett at 270-929-0369. MLS # 68727

Surprisingly Spacious! Over 2800 sq. ft! 4 BR, 3 BA plus a huge bonus room! Great room is open to kitchen & dining area - great for entertaining! Luxurious ownerâ&#x20AC;&#x2122;s suite with 2 vanities, jetted tub, and shower! Excellent outdoor space with privacy fenced yard and covered patio with ceiling fan & lighting. Many updates and amenities! Call Jason Bellamy 270-302-4095. MLS# 68863

Genesis Realty of Western Kentucky 270-993-2401 Jerry.Kessinger@yahoo.com

OPEN HOUSE 11-1!

V TI AC

2116 Hathaway Street

All brick, 2 BR, 1 BA home with carport in the Fairgrounds neighborhood. Hardwood floors, vinyl and newer carpet in the bedrooms. Big ticket updates already completed including newer roof, furnace and AC units, & replacement windows. This home will be a good rental investment, downsizing, or first home. 100% Financing Available! MLS# 68380 $54,900

Jerry Kessinger Owner/Broker

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$109,900

NG I D PEN

$256,500

$639,900

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8221 Crisp Road â&#x20AC;˘ Whitesville Not your typical foreclosure! This home appears in good shape with many expensive updates already done, newer roof, remodeled kitchen at some point. 4br, 2 1/2ba, 2 car detached garage plus additional large (1260 sq. ft.) building sitting on 1.45 acres. 100% Financing Available! MLS#68170 $84,900

Nearly 700 listings available to choose from through us @ GenesisRealtyofWesternKentucky.com â&#x20AC;&#x153;The one & only Real Estate Company you will ever need this side of Heavenâ&#x20AC;?

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(270) 926-0055

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2934 FREDERICA STREET OWENSBORO, KY USA

Celebrating 40 years in Real Estate W N E ICE PR

4535 Wexford Crossing - Owensboro Lake Forest. One Owner. 4 BR, 2.5 BA brick 1.5 story boasts exceptional care! Hardwood floors. Fireplace. Chef’s Kitchen. SS appliances include 5-burner Gas Cooktop. Island. Walk-in Pantry. Covered Rear Patio. Park-like Yard. 3-car garage. MLS 68383 Tony Clark 270-929-4020

3901 Riverside Dr - Owensboro

2849 Pleasant Valley Rd - Owensboro

1.423 acres of Riverfront. 2 BR home offers expansion potential. You’ll love the hardwood floors. 23’x10’ Screened Patio. Side Load Garage. Park-Like Setting! Breathtaking view of the Ohio River. MLS 68392 Tony Clark 270-929-4020

Now $209,900. Located on 1.2 acres. Spacious one-level offers step-free living. Over 2355 sf of living. Fireplace in Living Room. You’ll love the Owner’s Suite, with its sitting room & massive walk-in closet. MLS 67351 Denise Pace 270-316-8941

R D E T! UNTR AC N CO

2911 Chippewa Dr - Owensboro 1460 sf brick one-level. 3 BR, 2 BA. Well Maintained! Generous Eat-In Kitchen with Island. Kitchen appliances included. 12x20’ Rear Covered Patio. Attached Garage. Detached 24x24’ climate controlled bldg. Not in Flood Zone. MLS 68235. Angela Clark 270-929-4022

138 Old Livermore Rd N - Utica Now $85,500! 1900 sf 3 BR, 2 BA home offers spacious living. Liv Rm & Den offer extra space! Front & Rear deck. Scenic Views. 24x20 Metal Building. MLS 67784. 100% Financing Available. Rachel Brown 270-929-7110

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12130 Hwy 431 - Utica Now $112,500! Located on 1.152 acres. One-level 1325 sf ranch. 3 BR, 1.5 BA. Replacement Windows. New Patio Door & Shutters. All appliances stay including Washer & Dryer. 2 out buildings. MLS 68300. Rachel Brown 270-929-7110

3412 Monticello Dr - Owensboro Spacious 3 BR, 3 BA. Fireplace in Living Room. Formal Dining Room. Basement offers additional living & safety during storms. Permanent staircase to Floored Attic. Rear 2 car garage. Replacement Windows. $258,850. MLS 68382 Angela Clark 270-929-4022

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6653 Waterford Place - Owensboro The Summit. Elegant 3 BR, 2 BA brick one-level offers the best of step-free living. Formal Din Rm. Home Office. Surround Sound. Security System. Scenic view of golf course & lake. MLS 68349 Angela Clark 270-929-4022

- Land & Acreage 94 acres. Roger Cooper Rd. MLS 67804. Bob McPherson 270-313-7278 42.21 acres. Baker Rd- Lewisport. MLS 67063. Charles King 922-0311

2944 Avenue of the Parks - Owensboro The best of step-free living! 1803 sf. 3 BR 2 BA. Vaulted ceiling in Great Rm. Open Kitchen with ample cabinets. Generous sized rooms. Laundry room. Awesome covered patio. Beautifully landscaped. $160k’s Mls 67497 Denise Pace 270-316-8941

13.8 acres on Scenic Hill Rd, Hawesville. Call Ken Stiff 1-9 acre(s) tracts available near Rough River. Call Ken Stiff 237 acres in Hart Co. Call Ken Stiff

Call Tony Clark Realtors 270-926-0055

12 Unit Apartment Complex for Sale - Owensboro Prime Multi-Family. 12 units total. 8-One Bedroom units. 4-Two Bedroom units. Spacious Townhouse interior features well-equipped kitchens. All units have range & refrigerator. Washer & Dryer hookups in all two Bedroom Units. Tenants pay utilities. Gross Potential Rents $54,000. Angela Clark 270-929-4022

LD O S 6106 Stanford Ct - Owensboro Woodcrest. 0.91 acre. Exquisite 5 BR, 3 BA brick 1.5 story home. Hardwood Floors in Formal Entry & Dining Rms. Open Kitchen. Bayed dining nook. Laundry features cabinets & work sink. 1st floor Owner’s Suite. MLS 68232. Listed & SOLD by Angela Clark 270-929-4022

2934 Frederica Street Owensboro, KY USA (270) 926-0055 • View all homes for sale & lease: www.TonyClark.com

Saturday, May 28, 2016 Messenger-Inquirer

Real Estate Inside Out

(270) 926-0055

VIEW ALL HOMES FOR SALE & LEASE:

www.TonyClark.com

2934 FREDERICA STREET OWENSBORO, KY USA

Celebrating 40 years in Real Estate TO W ET E N RK MA

TO W ET E N RK MA

35 Goldenrod Lane - Beaver Dam 1 acre. Built in 2008. 3536 sf brick 1.5 story offers 4 BR, 2.5 BA. Formal Liv & Din Rms. Great Room. Hardwood floors. Stunning Kitchen. Double ovens. 20x20 Sunroom. 1st floor Owner’s Suite. Wrap around porch. 3-car garage. $379,900. MLS 68742 Rachel Brown 270-929-7110

TO W ET E N RK MA

416 E 20th St - Owensboro Extremely well kept home in MOVE-IN condition. 1.5 story dutch-style home, 5 BR, 2.5 BA. Carport. Centrally located near shopping and restaurants. $102,000. MLS 68788 Denise Pace 270-316-894

721 Glenn Court E - Owensboro Cute and cozy 2 BR, 1 BA home on corner lot. 1 Car Garage and Carport. Many updates - appliances included. Ideal address for great beginnings! MLS 68814 Rachel Brown 270-929-7110

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TO T W NE RKE A M

6080 Main St- Curdsville 2 BD 1 BA 912 sf main floor living. 912 sf unfinished walkout basement. Replacement windows 2 carports/storage building and all appliances stay including washer and dryer. 100% Financing Available. Mls 68845 Rachel Brown 270-929-7110#4

2228 Webster Ct - Owensboro Move In Ready! Brick 3 BR home with a 2-car Detached Garage on corner lot. Updates include roof, replacement windows, electric panel, furnace, & SS Kit Appliances included. MLS 68563 Rachel Brown 270-929-7110

7146 Masonville Habit Rd - Philpot All brick one-level homes offers a lovely country setting. 1350 sf. 3 Bedrooms. Nestled on less than 1 acre of land. Private, yet 5 minutes to town! MLS 68124 Bob McPherson 270-313-7278

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1918 E 20th St - Owensboro Hidden on a quiet court. 2 BR home has many updatesReplacement Windows. Appliances include Gas Range. Hardwood Floors. Eat-In Kitchen. Built-ins galore. Detached garage. $59,900 MLS 68533 Angela Clark 270-929-4022

11272 Hwy 1389, East Daviess Co. 89.9 acres. Property included 30x70 Workshop with 14x70 Shed. 26x48 Equipment Shed, 36x60 Hay Barn with Stalls and Tack Room, Water and Electric in each building. MLS 68042 Mike Boling 270-316-7449

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Lake Home - Rough River Newly Constructed. 4 BR, 2 BA. Walk-Out Basement. #38 is fully furnished. $169,900. #41 is not furnished. $159,900. MLS 66856, 66859 Ken Stiff 270-945-4570

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5367 South Hwy 105 - Falls of Rough

350 Circle Ct - Hawesville

1340 Meadowlane Dr. - Lewisport

Simply Charming! Brick ranch with Walk-Out Basement. Attached Carport. 3 Detached Bldgs. As well as Above Ground Pool and all equipment. Home offers 1176 sq ft made up of 3 BR. 1.5 BA. MLS 68614 Angela Clark 270-929-4022

Nestled on a hilltop setting, this 4 BR home awaits! Well maintained, this home offers a metal roof. Lots of kitchen cabinets. Basement, too. Detached 24x24 garage. $89,500. MLS 68207 Charles King 270-922-0311

Just $78,000 will buy this brick ranch home. 3 BR, 1.5 baths. Per owners, updates include windows, roof, floor covering, air & heat. Attached garage. Priced to Move! MLS 66232 Charlie King 270-922-0311

2934 Frederica Street Owensboro, KY USA (270) 926-0055 • View all homes for sale & lease: www.TonyClark.com

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Mythbusting the adjustable rate mortgage BY BPT

In pop culture, myths can sometimes be mistaken for truth. Common ones, like, “don’t swim for a half hour after eating,” or “we only use 10 percent of our brain,” are false even though they’re widely taken for fact. The adjustable rate mortgage earned a bad rap after the 2006 housing crisis. The problem was, before the crisis, many borrowers were able to qualify for more home than they could actually afford by using interest-only, No Income Verification or No Ratio ARM products. When the housing market tanked and many houses lost value, some homeowners with rising mortgage payments either foreclosed or walked away from their properties. Fast forward 10 years to today. The ARM is back to show potential homebuyers it’s not the villain of the housing market. It’s time to debunk the myths that give ARMs the “bad guy” reputation it doesn’t deserve. MYTH: ARMs are unstable and aren’t a good option while the Feds are raising rates. This myth stems back to the days of the 2008 recession. It’s like saying, “dialup is the fastest way to access the Internet,” it’s just not true anymore. All ARM loans have annual and lifetime caps, so there’s built in protection. If stability is what you’re concerned with, consider an ARM with a longer adjustment period. For example, Navy Federal Credit Union’s 5/5 ARM adjusts only once over the initial 10-year period. Interest rates rise and fall in cycles. Even if rates are increasing now, that doesn’t mean they won’t be on the downturn when you arrive at your potential adjustment point. Many ARM mortgage holders never refinance to a fixed rate because the many ups and downs of the market happen in-between their adjustment points. Refinancing is always an option for those with ARMs. Just remember to calculate closing costs on your refinance to make sure you’re actually improving your situation. Research and the guidance of a trusted lender will be

the winning combo for saving money over the life of your mortgage. MYTH: ARMs are only for people who want to be in a home for a few years. Not true. ARMs have fixed intro periods that can vary from one to even 15 years. If you think you’ll own that home for five or six years, a fixed mortgage rate may have a higher interest rate over that span. So why spend the extra money associated for the added security of a fixed rate? “The potential savings on an ARM, can range from $10,000 to $20,000, compared to a 30-year, fixed rate jumbo mortgage,” said Katie Miller, Navy Federal vice president of Mortgage Lending. “That’s enough money for a down-

payment on a car, or part of your child’s college tuition.” Again, it pays to plan for various scenarios based on how long you plan to own the home. MYTH: Rates only rise when you have an ARM. The term “adjustable” gives the misconception ARMs are unstable. The ARM is very similar to a fixed-rate mortgage; both offer a 30-year term with no prepayment penalty and early payoff options, among other similarities. The intro rate period (usually a lower rate) and potential rate changes (up or down) over the life of the loan is what makes an ARM unique. Knowing your cap and what the difference in payments are over the life of the loan protects you, even

Theresa Daugherty

Assistant Vice President Mortgage Loan Officer NMLS # 1376745 230 Fredrica Street • Owensboro Kentucky 42301 270-689-2509 www.bbt.com/tdaugherty Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Loans are subject to credit approval.

if rates are on a roller coaster. Knowledge is power as an ARM holder. That “power” helps you make necessary calculations to figure out a yearly breakeven point should your interest rate increase and your introductory rate savings begin to decrease. Check out an ARM vs. Fixed-rate Mortgage Calculator to see if this type of mortgage works for you Like any myth, do your research before accepting it at face value. If you add up the ARM’s initial savings plus the cost to refinance, an ARM is hard to beat from a financial standpoint, and that, is the truth. *Rates are based on an evaluation of credit history, so your rate may differ. **Navy Federal is federally insured by NCUA