6-24-17 REIO

A Special Publication of the Messenger-Inquirer

nside ou I T REAL ESTATE

HOME DECOR • GARDENING

Featuring Listings of the Owensboro Multiple Listing Service (MLS)

M Messenger essenger-I-Inquirer nquirer

Saturday, Saturday,########, June 24, 2017 2017

OPEN HOUSES

2 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

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

SAT., JUNE 24

Century 21 Partners 11838 Hwy 764 - Whitesville

EAST Risner Realty 1835 Fawn Drive Hope Margelot Keller Williams 4442 Wexford Crossing Home Realty Inc. 2249 Woodstone Court Connie Lou Barnett L. Steve Castlen Realtors 2689 Dellwood Valley Lane Starr Nalley

SOUTH Home Realty Inc. 1535 Hickory Lane Beth Eckstein L. Steve Castlen Realtors 3624 Legacy Run Bob Lyons L. Steve Castlen Realtors 4036 Kensington Place Bob Lyons CENTRAL

L. Steve Castlen Realtors 3833 Brookfield Drive Scott Lyons

Risner Realty 1231 Booth Avenue Joetta O’Brien

Century 21 Partners 6249 Valley Brook Trace Jordan Warren

Home Really Inc. 1029 Halifax Drive Beth Eckstein

WEST Risner Realty 4553 Bernheim Drive Hope Margot Re/Max 1525 St. Mary’s Avenue Rick Cummins Re/Max 807 Creek Harbor Court Rick Cummins

SUN., JUNE 25 EAST Home Realty Inc. 2781 Pecks Place Gordon Barnett Home Realty Inc. 4891 Pleasant Grove Road Connie Lou Barnett L. Steve Castlen Realtors 6657 Kingston Drive Starr Nalley

Re/Max 2412 Cascades Pointe Rick Cummins

L. Steve Castlen Realtors 3833 Brookfield Drive Scott Lyons

L. Steve Castlen Realtors 1995 Meadow Grove Drive Devin Taylor

CENTRAL L. Steve Castlen Realtors 3502 Lewis Lane Masden Riney

McLean County L. Steve Castlen Realtors 5150 Why 431 N. Starr Nalley

WEST L. Steve Castlen Realtors 1995 Meadow Grove Drive Devin Taylor

3 Real Estate Inside Out

The following real estate transfers were recorded from May 2 to May 8.

2379 Red Oak Run and 4677 Forest Drive, Wells and Wells Builders to Bradley and Andrea Blakeman, $74,000.

416 E. 24th St., Patricia Smiley to One Rental LLC, $69,000.

4637 Forest Drive, Thompson Homes Inc. to Stephen Basham and Sherry Pike, $348,353.

2625 Wrights Landing Road, Timothy and Deborah Walker to Blake and Stephanie Sweeney, $279,000.

1412 E. Fourth St., Ronald Presser, master commissioner, to Federal Home Loan Mortgage Corp. $43,772.

11553 Floral Road, Joseph Cecil to Joseph and Jean Wedding, $30,400.

428 Frederica St., Christopher and Char Rhoads to Bradley Rhoads, $32,500.

5725 Grady Court, Douglas and Patricia Newton and others to Michael and Dorothy Palmer, $208,000.

1921 Griffith Place W., Marjorie Willis to John and Angela Fallin-Ward, $235,000.

2103 Griffith Place W., John and Angela Fallin-Ward to Steven and Kelli Brannock, $430,000.

1619 Graves Lane, Evelyn and Emmett Hiatt to Kelsi and Brandon Swope, $289,000.

3128 Derby Chase, Steven and Kelli Brannock to Dana and Brittany Bertolotti, $416,000.

2160 Summer Walk, Quin and Amye Sutton to Joshua and Tabitha Robinson, $177,000.

1030 W. Third St., Ronald Presser, master commissioner, to U.S. Bank National Association, $38,500.

920 E. Fifth St., HSBC Bank USA to C&D Property Management LLC, $53,000.

1420 W. Third St., Lelia Gaines to Carmel McLeod, $33,500.

1438 W. Third St., Lelia Gaines to Carmel McLeod, $54,500.

1224 W. First St., Lelia Gaines to Carmel McLeod, $33,500.

1222 W. First St., Lelia Gaines to Carmel McLeod, $33,500.

8746 Ward Road, GRSW Stewart Real Estate Trust to John Walker, $119,900.

7906 Haynes Station Road, Joshua and Dena Hines to Derrick Leonard and Joseph Bickett, $155,000.

241 Resolution Way, Massie-Clarke Development Co. to Thomas and Mary Hobgood and others, $42,500.

4023 Carter Road, Floyd and Elaine Tapp to JKT Properties LLC, $200,000.

3401 Placid Place, Robert Strohman to Michelle Carrier, $79,000.

4452-A and 4452-B Countryside Drive, Susan and James Gabriele to Mission Properties, $86,500.

1421 Independence Ave., Connie Wilson and others to Ricky and Misty Mudd, $75,000.

Saturday, June 24, 2017 Messenger-Inquirer

Real Estate Transfers 2C Quail Ridge, Terry Townley to David and Katherine Kirk, $105,000.

1408 Washington Ave., Vanessa Cook to Sheila Rhineburger, $35,000.

1126 Gilbert Lane, Morgan Stanley Mortgage Capital Holding LLC to Mark and Gina Barnett, $45,000.

1913 Village Run, Charles Johnson to VAW Properties LLC, $103,000.

2215 Keenland Parkway, Judy Alford to R. Wayne and Connie Brown, $2,000.

2541 Longshot Cove, Nathan and Mariah Stallings to Norma Howerton, $220,000.

536 Camden Circle, Jonathan and Summer England to Nathan and Mariah Stallings, $175,000.

3130 Lewis Lane, John and Lori Roberts to Damon and Shelley Renfrow, $149,900.

3003 Quincy Court, Larry Cooper to Steven Smith and Karen Foster-Smith, $156,000.

5123 Garnet Court, KSB LLC to Robert and Peyton Hutson, $174,900.

2837 Silver Creek Loop, Jared and Mary Higginbotham to Justin and Heather Trulen, $207,500.

2714 Hillbrooke Parkway, Matthew and Jessica West to Jared and Mary Higginbotham, $265,000.

3730 Ashbyburg Road, Richard and Holly Koehler to Daniel Guthrie, $129,900.

4009 Kensington Place, John Lancaster to Jarryd and Alexandria Lancaster, $125,000.

6282 Valley Brook Trace, Jagoe Homes Inc. to Brandon and Courtney James, $224,549.

1600 Lock Ave., Alice Weathers to Jonathan and Summer England, $235,000.

7906 Kentucky 81, Byron and Diane Lane to Shannon and Julie Lane, $80,000.

910 E. Fifth St., Kenneth Moseley to Nelda Sizemore, $14,000.

1912 W. Fifth St., Kenneth Higgs to Kenneth Rowland, $2,500.

2331 Middleground Drive, Robin Koster to TJHT Properties LLC, $118,000.

66 acres on Knott Road, Constance and Hugh Calhoun and others to Hundley Grain Farms Inc., $561,000.

1857 Chesterfield Drive, Tony and Amy Douglas to Nicholas and Charalambos Pavlas, $38,000.

5541 Kentucky 554, Jerry O’Bryan and others to Ravenwoods LLC, $200,000.

Property behind 2434 Kentucky 144, BRILO LLC to Rossboro Land Co. LLC, $160,000.

10671 Kelly Cemetery Road, Federal National Mortgage Association to Shannon Keelin and others, $28,000.

The following real estate transfers were recorded from May 8 to May 15.

6327 Valley Brook Trace, Jagoe Homes Inc. to David and Bobbi Duel, $169,000.

3246 E. 10th St., Ronald Presser, master commissioner, to George Miles, $35,000.

4243 Scotty Lane, Arnold and Janice Carter to Delbert Blincoe and Deborah Hunter, $115,000.

6383 Valley Brook Trace, Jagoe Homes Inc. to Daniel Ray, $154,000.

420 E. 24th St., Jerry and Virginia Bailey to Michael Augenstein, $75,000.

319 E. Second St., Terry Woodward to Tong Enterprises LLC, $395,000.

218 Stewart Court, Judith and Keith Lear and others to Jeffrey and Jennifer Danhauer, $62,000.

409 Maple Ave., Barbara Roach to James V. Payne, $155,000.

713 Chuck Gray Court, estate of Lois Paxton to Larry Maxwell, $45,000.

617 Breckenridge St., Joseph Legg to Kelley Bard, $2,500.

11311 Old Leitchfield Road, Ronald Presser, master commissioner, to U.S. Bank Trust, $55,959.

9027 Kentucky 405, Logan and Kristen Millay to Aaron and Gena Wilson, $158,000.

2025 Merriewood Drive, Aaron and Gena Wilson to Virginia Thomas, $88,000.

216 E. 25th St., Barbara Cooper to Keith Hocker and Yitong Liu, $75,000.

2325 Wright Ave., Richard and Dorothy Thomas Family Trust to Amanda Pendleton, $112,500.

500 Graystone Drive, Charles and Eva Payne and Wendell Lee, $184,900.

5244 Pleasant Valley Road, Kaye Trunnell to William Little and John Little, $240,000.

3116 Old Hartford Road, estate of Willis Midkiff to Michael and Debra Geary, $139,000.

921 Kentucky Parkway, Deborah Sapp to Pamela Long, $147,000.

3709 Legacy Run, Lillian Camara to Anthony and Elisha Squire, $92,700.

113 E. 17th St., Elizabeth and John Ferguson to Pamela Hughes and Paul Vance, $73,000.

426 E. Fourth St., Elizabeth Craig and William Craig to Shawn and Katherine Brashear, $5,500.

158 Martin Way, Jessica Figueroa and Jordan Figueroa to Christina Kaelin, $103,000.

3480 Old Mill Lane, Ray and Jenny Jones to Katie Mattingly, $107,900.

2935 Meadowland Drive, Tammy Robertson to Josh and Cynthia Evans, $116,500.

273 Redbud Road, Keith and Marsha Westerfield to Valerie Jones, $105,000.

1906 McCulloch Ave., Secretary of Housing and Urban Development to John Crowe, $45,100.

4632 King Mill Drive, Jeremy and Anna McDaniel to George and Ruth Barker, $107,500.

411 E. 18th St., Craig Lowe Trust to Thekla’s Rentals, $34,000.

411 E. 18th St., Thekla’s Rentals to Carston Management Inc., $34,000.

3506 Queens Way, MSL Investments to ACF LLC, $100,000.

8266 Short Station Road, Jack and Tammy Simpkins to Daniel Abend, $150,000.

9501 Parks Road, Joshua and Jennifer Wisto to John and Madison McEwen, $250,000.

1525 Hickory Lane, Christopher and Allison Bates to Madison Yager, $405,000.

10 acres on Kentucky 144, Phillip Carrico to Francis and Michelle Carrico, $10,100.

1610 Linden Ave., Ronald Presser, master commissioner, to PNC Bank, $146,150.

3857 S. Griffith Ave., City of Owensboro to Paul Martin Builders Inc. $82,500.

101 Gilmour Court, Thomas Vittitow to Nicholas and Charalambos Pavlas, $48,000.

9287 Kentucky 54, Mary Schepers to Jeremy and Anna McDaniel, $169,000.

615 Breckenridge St., Connor’s Custom Builders LLC to Kelley Bard, $2,500.

1220 Nassau Ave., James and Lisa Edge to Neil Johnston, $25,000.

519 Daniels Lane, Leah Hall to Selena Bunch, $120,000.

2713 Castlewood Place, Nicholas and Suzanne Kafer to John and Monica Rightmyer, $133,500.

3854 Lovell Drive, Damon and Shelley Renfrow to William Sparks and Zelma Sparks, $108,000.

3799 Legacy Run, Steve and Jennifer Dennison to Brian and Lindsey Hobbs, $134,900.

2438 Winning Colors Way, Thompson Homes Inc. to Ronnie and Gina Burk, $159,000.

3125 Bridle Way, Samuel and Pamela Riley to Nathan and Audra Shutt, $182,000.

3451 Man o’ War Loop N., Christopher and Haley Morris to Oval and Brenda Wilson, $135,000.

3523 Legacy Run, Linda Philpott to Ram UK and Nu Kyi, $133,000.

10601 McCormick Road, Harish and Jyotsana Patel to Paul and Chassie Pinkston, $65,000.

Tract on Kentucky 144, Henry Shouse to Ensor Lodge 729 F&AM, $5,000.

5226 Jack Hinton Road, Robert and Brenda Higdon to C. Benny Clark and Paula Hedden, $65,000.

684 Danberry St., Secretary of Housing and Urban Development to Delbert Young, $42,501.

3044 Creek Branch Cove, Craig Brunson to Nathan and Kandi Bogucki, $218,000.

6154 Ditto Road, Jordan Beyke to Shane and Mollie Haire, $209,900.

4028 Yates Drive, Kimberly and William Brown to Nathan and Melissa Payne, $135,000.

4 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

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

Glenn Ashby REALTOR® 570-5533

Ashley Bellar REALTOR® 314-5200

Judy Lambert REALTOR® 929-3385

Lauren Lee REALTOR® 993-9843

Reba Besecker BROKER/REALTOR® 929-3407

Brian Luttrell REALTOR® 929-0040

Alex Blythe REALTOR® 270-316-3295

Mary Mattingly REALTOR® 314-7440

Scott Calhoun BROKER/REALTOR® 993-5813

Rick Cummins REALTOR® 302-2822

Gary Maglinger Samantha Jo Ray PRINCIPAL BROKER REALTOR® 926-8900 695-7945

Lynn Edge REALTOR® 929-0359

John Reynolds REALTOR® 485-9592

Li Hall REALTOR® 315-7008

Chivonne Rutman REALTOR® 270-315-0505

NEW $74,900

NEW $199,900

NEW $89,900

1053 Bald Knob Rd. MLS 71301 Scott Calhoun

1006 Watson Lane MLS 71314 Brian Luttrell

3046 Veach Road MLS 71313 Reba Besecker

NEW $139,900

NEW $45,900

NEW $98,000

Ryan Rutman REALTOR® 315-7464

Blake Hayden REALTOR® 244-6162

270-684-2727

Missie Hayden REALTOR® 244-6161

Melissa Watts-Davis REALTOR® 315-7782

Jereme Willner REALTOR® 929-0338

NEW $4,200,000

PE

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Jaime Woods REALTOR® 315-1233

Tracy Ioia REALTOR® 929-4990

Michelle Wiesman Manager 684-2727

NEW $2,000,000

3195 Ky Hwy 603 1816 Pleasant Valley Road MLS 71334 Rutman, Lee, Hayden Team MLS 71333 Rutman, Lee, Hayden Team

NEW $155,000 PE

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John David Hays REALTOR® 302-6192

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NEW $119,900

3190 Pleasant Valley Road MLS 71372 Brian Luttrell

7841 Hwy 2830 MLS 71370 Glenn Ashby

125 Wilhite Lane MLS 71369 Alex Blythe

2420 Upland Pt. MLS 71384 Reba Besecker

3462 Old Mill Lane MLS 71371 Judy Lambert

NEW $129,900

REDUCED $49,900

REDUCED $222,000

REDUCED $159,900

REDUCED $85,000

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2412 Cascade Pointe MLS 71380 Rick Cummins

185 Mulberry MLS 69570 Brian Luttrell

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2248 Meadowhill Lane MLS 70306 Ryan Rutman

300 Coast Guard Lane MLS 70726 Ryan Rutman

1477 Waterfield Drive MLS 70779 Jereme Willner

REDUCED $635,000

REDUCED $269,900

REDUCED $269,900

REDUCED $359,900

REDUCED $65,000

830 Chuck Gray Ct. MLS 70813 Blake Hayden

2024 Griffith Place E MLS 70946 Blake Hayden

4226 Hunter Pointe MLS 70990 Ryan Rutman

3071 Creek Branch Cove MLS 71010 John Reynolds

1027 8th Street W. MLS 71094 John Reynolds

REDUCED $675,000

REDUCED $799,000

REDUCED $249,900

REDUCED $174,900

FEATURED $130,000

2861 Summer Valley Lane MLS 71096 Blake Hayden

4101 Carter Road MLS 71102 Blake Hayden

3824 Krystal Lane MLS 71125 Gary Maglinger

1404 Hill Ave. MLS 71145 Blake Hayden

0 Hwy 231 MLS 70038 John Reynolds

FEATURED $106,500

FEATURED $399,900

7555 Hwy 2830 MLS 70141 Lynn Edge

This Weekend’s Open Houses

SATURDAY 06/24/17

1614 Hamlin Chapel Rd. MLS 70144 John Reynolds

9:00-10:00 ...1525 ST. MARY’S ................70628..............RICK CUMMINS ..$144,900 ........ WEST 11:00-12:00 ..807 CREEK HARBOR CT......71189 .............RICK CUMMINS .. $135,900 ....... WEST 10:00-12:00...11 STONE CREEK................70421.............RYAN RUTMAN.....$599,900..........EAST

SEE ALL OUR OPEN HOUSES @ www.REMAXOpenHouse.com

5 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

6 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

3424 Frederica St., Owensboro KY

Connie Barnett 270-929-0369

EN /25 0 OPn. 6 2:3 Su -

EN /25 OPn. 6 :30 2 Su 00-

2781 Pecks Place $369,000 3 bedrooms , 2 baths Just Like Brand New!

00 1:

Gordon Barnett 270-485-3300

Robert Johnson 270-929-1091

Vickie Ballard 270-993-6573

EN 24 0 OPt. 6/ 2:0 a S 30-

2249 Woodstone Court $292,500

1029 Halifax Drive $259,900

4891 Pleasant Grove Rd $214,900

1535 Hickory Lane $181,900

4 bedrooms , 2 1/2 baths Best Buy in Deer Valley!

4 bedrooms , 2 1/2 baths Great Location!

4 bedrooms , 2 bath

3 bedrooms , 2 baths Convenient Location!

w Ne

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Marsha Westerfield 270-316-2240

EN /25 0 OPn. 6 2:3 u S 0-

0 :3 10

Connie Barnett (270)929-0963

EN 24 0 OPt. 6/ 1:3 a S 00-

Jason Bellamy 270-302-4095

EN 4 0 OPt.6/2 2:0 Sa -1

1:

Gordon Barnett (270)485-3300

Karen Pannell 270-903-2167

Gordon Barnett (270)485-3300

0 1:

!

Connie Barnett (270)929-0963

E SAL NG DI N E P

1031 Booth Avenue $129,500

4556 Bridle Ridge Ct $375,000

4695 Fields Road $369,900

2547 Christie Place $299,900

433 Stableford Circle $264,900

3 bedrooms, 1 1/2 baths Great Location!

Up to 5 bdrms, 3 1/2 baths

4 bedrooms , 2 1/2 baths Walkout Basement!

3 bedrooms , 3 1/2 baths

3 bedrooms, 2 baths

Connie Barnett (270)929-0963

Vickie Ballard (270)993-6573

Gorgeous Walkout Basement!

Robert Johnson (270)929-1091

Vickie Ballard (270)993-6573

Home Realty Inc. is pleased to announce the addition of Beth Eckstein to their staff of professional REALTORS. Beth was born and raised in North Carolina and moved to Kentucky in 1997. Beth is the mother of 10 children and is married to Scott Eckstein, a native of Owensboro. Beth has previously worked as a photographer and will bring her artistic talents into her real estate career.

She has completed her real estate pre-licensing course and is a member of the National Association of REALTORS, the Kentucky Association of REALTORS and the Greater Owensboro REALTOR Association. Call Beth today for courteous, professional service at 270-570-0792. Search all area homes for sale at BethEckstein.com w Ne

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Connie Barnett (270)929-0963 w Ne

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Great Location, Low Maintenance!

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115 First St. Lewisport $249,000

6214 Autumn Valley Tr $217,900

2736 Summer Pt Ct $172,000

3 bedrooms, 2 baths Fantastic River View!

3 bedrooms, 2 1/2 baths

4 bedrooms , 2 1/2 baths Great Location!

Marsha Westerfield (270)316-2240

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Jason Bellamy (270)302-4095 w Ne

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Gordon Barnett (270)485-3300

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116 E 21st Street $164,900

4181 St Rt 657 $165,000

6347 Jack Hinton Rd $129,900

365 Hendricks Road $125,000

3854 Springtree Drive $119,900

5 bedrooms, 2 1/2 baths

4 bedrooms, 3 baths Perfect Location!

2 bedrooms , 1 bath

2 bedrooms, 1 bath 2 Fish Ponds!

3 bedrooms, 1 bath Newly Remodeled

Over 2500 Sq Ft

Jason Bellamy (270)302-4095

NG I D PEN Days in 2

Marsha Westerfield (270)316-2240

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E SAL NG I END

Connie Barnett (270)929-0963 w Ne

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Marsha Westerfield (270)316-2240 w Ne

Karen Pannell (270)903-2167

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1824 Gunston Place $109,900

2605 Wisteria Gardens $89,900

95 Market Street $66,900

75 Market Street $45,900

260 Caroline Street $43,900

3 bedrooms, 1 bath

2 bedrooms , 1 bath

Connie Barnett (270)929-0963

3 bedrooms, 2 baths Open Concept!

2 bedrooms, 1 bath

Vickie Ballard (270)993-6573

2 bedrooms, 1 bath Cute Home! Price Reduced!

Convenient Location!

Excellence since 1964

Marsha Westerfield (270)316-2240

Marsha Westerfield (270)316-2240

!

Gordon Barnett (270)485-3300

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Marsha Westerfield (270)316-2240

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7 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

How to use home equity in retirement

BY BPT

M

ost of us save and plan for decades to enjoy the period of our life when we no longer need to go into the office and work an eight-hour day for a paycheck.

But even with those decades of hard work, it can be tough to save up enough cash to cover all your costs in retirement. Many soon-to-be-retirees face a shortage between what they saved for retirement and what they actually need to live on.

For homeowners, that may be a problem that’s relatively easy to solve.

Tapping into the equity in your home can help you stretch your nest egg quite a bit further.

Use a home equity loan or line of credit You can tap the equity in your home with a home equity loan or a home equity line of credit (known as a HELOC).

A home equity loan works like most other loans: you agree to borrow a set amount of money, receive a lump sum,

Tony Draeger 270-925-1244

Lori Kimble 270-315-1468

and pay that back with interest and in installments each month.

A HELOC works a little differently, because it’s not a loan with pre-determined monthly payments. Instead, it’s a revolving line of credit, similar to a credit card. You usually have between five and 25 years to borrow against a cer tain amount of equity and repay (with interest) whatever you take out.

The time during which you can use the HELOC is called the draw period.

The line of credit revolves during this period, so you can borrow and repay the balance multiple times. The total amount is due back in full with interest at the end of the draw period. Any time you have an amount outstanding, you will make monthly payments.

You can use a HELOC or home equity loan during retirement, but remember that you will need to pay the money back. You should have a plan in place for how to repay the funds - and the interest - before you agree to take a loan or a line of credit on your home.

Harold Hall 270-570-3720

Connie Griffin 270-313-7503

Randy Clark 270-314-2511

Use a home ownership investment

A home ownership investment is a powerful way to unlock some of the equity in your home without taking out a loan.

The Unison HomeOwner program can unlock up to $500,000 of your home equity and the money can be used for anything you want - including paying monthly expenses, paying off debt or making home improvements.

Because it’s a home ownership investment, not a loan, there are no monthly payments and no interest charges.

Learn more at www.unison.com/homeowner.

Unison invests in the home alongside you. In return for the company’s investment in your home, they receive a portion of the future change in the value of your home. Unison shares both the upside and downside risk with you.

When you choose to sell your home, up to 30 years later, if the home value rises, both you and Unison share in the appreciation. If the home value falls, both you and Unison share the loss.

Amelia Jones 270-925-9413

Beth Eckstein 270-570-0792

Jack Steele 270-993-2628

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Consider a reverse mortgage

A reverse mortgage can allow homeowners 62 years or older to turn equity in their homes into cash in a way that provides them with the income they need through retirement. You can get your cash in a lump sum or in monthly payments, or in a line of credit.

But it’s important to remember that a reverse mortgage is still a loan that comes with origination fees and interest charges.

It requires that you have no other debt on your property, so if you have an existing mortgage loan, you will have to repay that in full from the reverse mortgage proceeds. You will also need to pay the reverse mortgage loan back when you move out of the home, sell it or pass away.

A reverse mortgage can give you income in retirement and whenever the home is sold, the money is used to pay off the loan. However, reverse mortgages can cause a lot of trouble if you’re not careful, and the high fees that you incur when you sell the home can leave you in a worse financial position than if you skipped the reverse mortgage altogether.

(270) 684-6221 www.HomeRealtyOwensboro.com

E SAL NG DI PEN

5141 Windy Hollow Rd

2134 Hwy 81 $475,000

1203 W 9th St $145,000

2005 Triplett St $99,900

3100 W Parrish Ave B $800,000

Commercial Loaded with Opportunities!

Commercial Lots of Opportunities!

Commercial 10,000 Square Feet!

Commercial $15,000 in Grants Available

1-5 Acres!

3100 W Parrish Ave A $700,000

735 W 9th Street $50,000

807 W 9th Street $40,000

8729 Hwy 2830 $17,900

0.6 Acres - Zoned B4 May be combined with 807 W 9th to get 1 Acre.

0.46 Acres - Zoned B4 May be combined with 735 W 9th to get 1 Acre.

McCormick Ln Lots # 4 - $39,500 # 8 - $39,500

Gordon Barnett (270)485-3300

5-10 Acres!

Gordon Barnett (270)485-3300

Gordon Barnett (270)485-3300

Gordon Barnett (270)485-3300

Karen Pannell (270)903-2167

Gordon Barnett (270)485-3300

Karen Pannell (270)903-2167

Both Lots Approx 1 Acre

Marsha Westerfield (270)316-2240

Gordon Barnett (270)485-3300

Less than 1 Acre Great Building Lot!

Connie Barnett (270)929-0369

8 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

SMARTER. BOLDER. FASTER. ®

Find Us on

/Century21Owensboro @C21Owensboro

(270) 684-2100

www.CENTURY21Partners.com Open House Saturday 11:00 - 12:00

6279 Valley Brook Tr.

$189,000 MLS#70909 Jordan Warren 2 70.274.1170

Open House Sunday 1:00 - 2:00

11838 Hwy 764

$264,900 MLS#71176 Johnny Phillips 270.302.8749

Bettie Kincaid

Karen Gross

CRS, GRI

REALTOR®

It’s All About Service

Full Time Call or Text

Quality Service Pinnacle Award Masters Award 2016

(270) 315-9810

6279 Valley Brook Tr.

140 Hwy. 140

Shows like a model home! 3 BD, 2 BA home with 1500 sq. ft. of living space.

Open concept kitchen. Don’t miss this one. Call Karen Gross 270.315.9810 MLS#70909

Lovely farm home with loads of character.

Located on over 3 acres mostly fenced. Many recent updates include roof, paint & flooring, 2 1/2 car garage. Wonderful covered porch to set and enjoy the country view. Motivated seller says "Make offer". Call Bettie Kincaid 270.29.2878 MLS#70843

Office: (270) 684-2100

Cell: (270) 929-2878

BKincaid@Century21Partners.com

CALL, TEXT, EMAIL or Just stop by to see me!

00 ,9 84 $2

0 90 , 84 $1

0 McCormick Lane Call your builder! 1+ acre lots available just inside the Ohio City line.

Underground utilities already in place.

Call Karen Gross 270.315.9810 MLS#70955

430 Hill Ave. 135 Darby Ln.

Stately quality built home located in Cypress Estates with 4-5 BD, 3.5 BA. The double story foyer & LR are impressive w/crown moldings, ceramic & marble. The DR features columns.

The winding oak staircase leads to a children’s den area and bedrooms. Each floor features a laundry area. Highlights of the master suite are tray ceilings, whirlpool tub, walk-in shower, double vanities, walk-in closet & heated floor! The kitchen is open to a breakfast area, FR & a kitchen bar. This home also has 3 car garage. The views are incredible! Conveniently located. Call Karen Gross 270.315.9810 MLS#69620

Charm and character. Includes arch doorways, crown molding, office with built-in cabinets and screened porch. New roof, new stove, lots of storage in basement. New ceiling and recesses lighting in the basement family room that also includes built-ins. Call George Wathen 270.316.5883 MLS#70925

Realtor®, GRI, SFR, CRS

REALTOR® Multi-Million Dollar Producer

MBA

(270) 316-5883 Residential Or Commercial

Wow! Real hardwood floors, freshly skimmed and painted walls. 3 BD/1 BA home with quiet view. All redone w. separate laundry and mud room. New carpet in the upstairs bedroom, new kitchen & bathroom faucets, replacement windows. Enjoy the front AC/Furnace/ Roof/Water Heater all less than 2 years old.

Call Karen Gross 270.315.9810 MLS#71266

gwathen@century21partners.com

Terry Whitaker Realtor®

Full Time

Available Anytime: call, text or email Office: 270-684-2100

Cell: 270-302-4931

TWhitaker@Century21Partners.com

terrywhitakeragent.com

4403 Hunters Trace Nice brick home. Upstairs is plumbed for third bath. Lots of built-in cabinets. Master bedroom has large master bath with great ceramic shower and separate tub. All appliances included - fenced yard. Qualifies for USDA loan. Call Bettie Kincaid 270.929.2878 MLS#70412

Gail Niehaus

George Wathen 1628 Leitchfield Rd.

1201 W. 3rd Nice, well maintained home-large yard. New roof and siding being replaced as a result of hail damage.

Call Bettie Kincaid 20.929.2878 MLS#71361

1653 Parish Ave. This lot is a fantastic lot with multiple opportunities. Right at an acre (.997) Zoned light industrial. Don't miss this chance, it is available and ready for your business, right now! Call George Wathen 270.316.5883 MLS#70264

2016 CENTURY 21 Partners Top Listing & Selling Agent

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

2347 Overlook Park

Call Gail for More Information

Beautiful Custom Built Home. 3 bedroom, 2 1/2 baths. This amazing floor plan has lots of space & updates, Call George Wathen 270.316.5883 MLS#69870

11838 Hwy 764 - $280,000 - MLS#71176 Lots 9, 10 Brookhaven - $27,900 - MLS#70399 503/505 St. Ann St. - $49,900 - MLS#70401 3615 Longfellow Dr. - $82,000 - MLS#70784 4526 Lake Forest Dr. - $464,900 - MLS#70969 507 N. 3rd St. - 20,800 - MLS#70929 210 Snodgrass Lane - $39,900 - 70918

9 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

10 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

Tap into your home’s not-so-hidden potential

BY BPT

to increase in value. For example, current economic forecasts from CoreLogic project a 4.8 percent increase in home prices year over year in 2017.

A

ccording to the Urban Institute in Washington, D.C., “Americans have a staggering amount of untapped equity in their homes.” How much? Altogether, $11,030,000,000,000. That’s 11 trillion, 30 billion dollars.

Yet despite this huge wealth possessed by homeowners, using it isn’t as simple as writing a check. You have to capitalize on your home’s equity.

Gaining access to your equity

What Is Home Equity?

Your home’s equity represents the difference between its current market value and the money that you owe on it.

Let’s say, for example, your home has a market value of $200,000, you made a down payment of $40,000 and you took out a $160,000 mortgage. At that point your equity is $40,000. You can always calculate this number by taking your home’s initial price and subtracting the amount you still owe.

Now, let’s say 10 years later you have paid off $60,000 of your $160,000 mortgage. At this point you still owe $100,000 on your home’s initial price of $200,000 so your equity is $100,000, assuming the home’s value has remained the same.

A little at a time

Each month when you make a mortgage payment,

some of your money goes toward interest, some goes toward real estate taxes and homeowner’s insurance (if the lender is collecting for these and making the payments on your behalf), and some goes toward paying off the mortgage itself. This last portion grows your equity because it subtracts from the amount you still owe.

Your home equity can also grow if your home increases in value because the amount you still owe has not changed. A rise in value may be due to increased home prices in your area and/or improvements you make to the home.

Market home prices may rise and fall from one year to the next but given enough time, most real estate tends

SMARTER. BOLDER. FASTER. ®

Find Us on

/Century21Owensboro @C21Owensboro

(270) 684-2100

www.CENTURY21Partners.com

Judi Head

Ty Smith Realtor

Now that you understand what equity is and how much equity you have, your next question may be “How do I use it?”

Your first step is to contact a knowledgeable mortgage professional. They will be able to answer your questions as well as show you loans that use your home as collateral. You’ll want to do your research to determine which type of loan is best for you. You should also take the time to compare interest rates, offers and loan features.

And if you are age 62 or older, you are also eligible for additional home equity options such as a Home Equity Conversion Mortgage (HECM), which is an FHAinsured Reverse Mortgage loan. This loan may be taken as a lump sum, a line of credit, through fixed monthly payments or a combination and the loan can never be frozen or reduced.

The equity in your home empowers you with several financing options and the specifics of each loan may vary from lender to lender, so ask questions and do your own research. Once you understand all your options you’ll be able to determine which loan offering allows you to make the most of your most valuable asset.

Realtor ® GRI

®

HOME is where you’re surrounded

GETTING THE RESULTS YOU

By family. And walls.

DESERVE

(270) 314-8613 tysmith@century21partners.com

TYSMITHREALTOR.COM

3114 Bridgewater Cove Unique property! Gourmet kitchen with quartz count-tops. Media room, Butlers pantry, Owners suite with extra large bath and designer closet. Screened porch with fireplace. A must see to appreciate. Call Brenda Loyal 270.993.5233 MLS#70841

Gotta have walls.

2065 Northwood Dr.

2008 Ballard Construction Parade of Homes. 4 Bedrooms/3 Baths. New roof 2016. Crown Molding, Trey Ceilings, Wainscoting, Formal Dining Room and Kitchen. Heated Garage. Oversized Closets. Paver Patio.

Over 1,000 sq ft upstairs. Call Judi Head 270.929.1636 MLS#70976

(270) 929-1636 judihead@century21partners.com www.judiheadrealtor.com

Brenda Loyal

to list your home with CENTURY 21 Partners!

2014 Realtor of the Year

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

REALTOR® ABR, GRI, SFR, LKAR

Email: bloyal@century21partners.com

(270) 993-5233 Loyal Results MOVE You

11 Real Estate Inside Out

w w w . k w e l i t e k y . c o m

Saturday, June 24, 2017 Messenger-Inquirer

Keller Williams Elite

Diane Brancato REALTOR® 270-316-1127

Amber Brown REALTOR® 270-839-5859

John Congleton REALTOR® 270-313-6267

Jason Cox REALTOR® 270-315-9438

Jim DeMaio REALTOR® 270-485-5466

Wes Donahue REALTOR® 270-314-9952

Sheryl Edge REALTOR® 270-302-4263

Sydney Ellis REALTOR® 270-315-5278

Maggie Goldsberry Transaction Coordinator Kelly Anne HarrisTeam

Kelsey Hall REALTOR® 270-313-1365

Kelly Anne Harris Broker/Realtor® 270-929-5857

Keavin Hayden REALTOR® 270-302-6554

Kelsey Jarboe REALTOR® 270-903-0564

Bill Jones REALTOR® 270-929-7177

Greg Jones REALTOR® 270-929-7180

Jay Kirk REALTOR® 270-302-9324

Steve Lewis Broker/Realtor® 270-302-3426

Brooks Lohr ISA/Kelly Ann HarrisTeam 814-341-9807

Anndrea Mahoney REALTOR® 270-302-6992

Kim Millay Market Center Administrator

Mandy Millay Listing Manager® Kelly Anne HarrisTeam

Matthew Morris REALTOR® 270-302-8448

Laura Bennett REALTOR® 270-231-6878

AnnieTucker REALTOR® 270-993-5612

Lauren Pierce Operations Manager Kelly Anne HarrisTeam

Edie Render REALTOR® 270-903-3343

3040 CREEK BRANCH COVE

NEW LISTING Bryan Reynolds REALTOR® 270-929-3088

Brandi Rone REALTOR® 270-485-3612

Matt Schell REALTOR® 270-302-8384

Larry McDaniel REALTOR® 859-213-7920

RobbieThompson REALTOR® 270-316-9294

JenniferYeckering REALTOR® 270-584-5026

2236 MEADOW HILL LANE 3238 SPRING RIDGE PKWY

NEW LISTING

NEW LISTING

$239,900 • MLS 71399 Sheryl Edge 270.302.4263

$349,900 • MLS 71400 Sheryl Edge 270.302.4263

8855 KNOTTSVILLE MT ZION RD 3348 SHADEWOOD TERRACE

NEW LISTING

NEW PRICE

$55,000 • MLS 71310

Kelly Anne Harris Team 270.929.5857

$224,900 • MLS 70830 Sheryl Edge 270.302.4263

JimYeckering REALTOR® 270-836-4440

JodyYoung REALTOR® 270-993-2325

Nathan Basham REALTOR® The Brandi Rone Group 270-314-0390

4509 SHADY CREEK COVE

NEW LISTING

$224,900 • MLS 71365

$264,900 • MLS 71359 Greg Jones 270.929.7180

8835 KNOTTSVILLE MT ZION RD

NEW LISTING

$104,500 • MLS 71309

Kelly Anne Harris Team 270.929.5857

Kelly Anne Harris Team 270.929.5857

4574 LAKE FOREST DRIVE

3107 OAKRIDGE COURT

NEW LISTING

$474,900 • MLS 71138 Sheryl Edge 270.302.4263

REDUCED

$374,900 • MLS 70901

Kelly Anne Harris Team 270.929.5857

Open Houses: MLS 71258.....4442 Wexford Crossing.....$414,900.....Saturday, June 24th 11:00 - 12:30

12 Real Estate Inside Out

Joetta O'Brien Realtor®

Hope Margelot Realtor®

270-313-3032

270-316-5476

Saturday, June 24, 2017 Messenger-Inquirer

Stephanie Miller Realtor®/Broker

JoAnn Risner Broker/Owner

270-929-3140

270-570-3939

Karen Thomas Realtor®

Jennifer Staser Realtor®

270-977-6001

270-570-5119

RISNER & ASSOCIATES REALTY, INC. (270) 926-1400 1010 Frederica St., Owensboro, KY. 42301 • joannrisner@email.com

Pat O’Brien Realtor®

Reene Cardwell Realtor®

RISNERREALTORS.COM

270-929-0838

NE W LISTING 1618 Alderson Court

Charming 2 Story Brick. Very Private setting. 4 BR /2 BA, Basement, Wood Floors, Fireplace, New Roof, Detached Garage. Large covered patio/ carport. Over 2600 square feet. Lots of Potential!

Call JoAnn Risner 270-570-3939. MLS#71391.

4543 Indian Creek Loop

Enjoy entertaining? You will love this house… Large Deck with beautiful views in a quiet neighborhood, and extra great room with hardwood floors and fireplace. Spacious 4 bedroom, 2 baths newly painted w/ separate tub and shower. Move in-ready! JoAnn Risner 270-570-3939 MLS#70452

270-925-4941

NE W LISTING 1567 Zion Church Road

Looking for your dream home? Look no further. This home offers 5 BR/4 BA and has been completely updated in the last 6 months. New flooring, appliances, granite, plus many other amenities. Check out the awesome basement opening to pool area for entertaining. (53 rolling acres), plus barns and other buildings.

Call JoAnn Risner 270-570-3939. MLS#71338.

REDUCED! 1661 Barclay

Golfers Delight! Beautiful 5 BR home in the Estate at the Summit. You'll love the columns and crown moldings this home has. HUGE covered porch and a 3 car oversized garage.

Call JoAnn Risner for you personal tour. 270-570-3939 MLS# 70911

14 Hilltop

Very private setting with beautiful landscaping and trees in the prestigious Hilltop Area. This home has lots of space with 6 bedrooms and 4.5 baths newly redecorated. Come experience for yourself.

JoAnn Risner 270-570-3939 MLS #70824

PENDING 6642 Barcroft

Magnificent 5 bedroom, 4.5 bath custom built 2 story brick home with finished walkout basement that is total finished. Gourmet kitchen w/ cherry cabinets, oversized 3 car gar., Beautiful landscaping & lots of privacy Don't miss seeing this incredible home.

Call JoAnn Risner 270-570-3939. MLS#69524

1109 Griffith Ave.

Location, Location, Location. Soaring Ceilings, 2 Ornate Fireplaces, Huge DR, Beautiful Hdwd Floors, Updated Kit. w/newer Cherry Cabinets & Appliances, Spectactular Staircase. 2 Car Det. Gar. This One You Need To See! Call JoAnn Risner for you personal tour. 270-570-3939 MLS# 71117

1715 Sanctuary

Enjoy this beautiful view summer or winter of the lake and golf course from your heated and cooled sunroom. This is one you will have to see located 11 minutes from town.

Call JoAnn Risner 270-570-3939. MLS# 70877

REDUCED 301 Legion Blvd.

Presently this is a church building that can be converted back to a residence. Zoning is R1B. Buyer should check with planning and zoning. Interior sanctuary has been remodeled.

Call JoAnn Risner 270-570-3939 MLS#70383

36 Stone Creek

Not every home has a 1800 sq ft guest house w/ bath and a half overlooking a beautiful pool. This house is a dream, so many gorgeous amenities you must see for yourself. Come walk through the hand cut mahogany front doors and experience luxury from every corner.

JoAnn Risner 270-570-3939 MLS# 70767

1607 Hampton

Look at this view of the golf course and lake! You don’t want to miss out on this gourmet kitchen and a large 4 car garage with so many amenities.

Come tour with me JoAnn Risner today. 270-570-3939 MLS# 70869

SOLD

REDUCED 1902 Daviess

Looking to relocate your business? Centrally located in the middle of town with a large parking lot and corner visibility.

Let me show you your next business location today. JoAnn Risner 270-570-3939 MLS# 63073

2275 Hwy 140

Almost 35 acres of rolling fences, with large barn, stables and workshop.

Country living at its finest. Beautiful 4 bedroom, 2.5 bath with so many amenities including a gourmet kitchen. Don’t miss this rare opportunity.

JoAnn Risner 270-570-3939 MLS # 69744

13 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

NE W

Do you make under $47,500.00?

You may qualify

1%

OPEN SATURDAY, JUNE 24 10:00AM-1:00PM

for a interest loan.

PENDING

1231 Booth Ave.

3 bedroom, 2 bath, Inground Pool.

Call or text Joetta 270-313-3032. $199,900.

Over 2,000 sq. ft. MLS#71235

CALL US TODAY TO FIND OUT HOW.

4119 Whittier

Brick Ranch. 4 bedroom, 2 bath Attached garage, fenced yard.

Call Joetta 270-313-3032. MLS#71343.

G N I D N E P

Homeowners LOVE their outdoor space!

3305 Spring Ridge Pkwy

"LAKE FOREST" MLS #70680 Reduced to $329,900. Extended back yard that goes all the way back to Settles Road with terraced rose garden. Three different living areas. Fabulous man cave/theatre. Brick 4 BR, 2.5 bath, fenced yard. Call Joetta @ 270-313-3032

Radar says...

Call Pat & Joetta to find your Dream Home!

LOW MAINTENANCE!

PENDING

240 Fifth Street • Lewisport, KY 2 bedroom, 3 bath, double garage.

Remodeled, fenced.

Call Joetta: 270-313-3032. MLS#70672

Realtor®

Joetta O'Brien

Realtor®

Pat O'Brien

Call/Text Call/Text (270) 313-3032 (270) 929-0838 Anytime!

Anytime!

RISNER & ASSOCIATES REALTY, INC. 1010 Frederica St., Owensboro, KY • 270-926-1400

OPENHOUSE

Jennifer Staser Realtor®

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

Are you considering buying or selling a home? Choosing the right real estate agent is critical in today’s changing market.

Let me open the door to your Real Estate Success!

10-11:30am

6641 WATERFORD PLACE Beautifully updated 4 Bedroom/3 Bath brick home located at The Summit on the 10th fairway of The Pearl Club!

MLS #70782

TODAY JUNE 24TH

4553 Bernheim Drive

PENDING 1835 Fawn Drive 1764 SANCTUARY Beautiful 3 BR, 3.5 BA home on the 14th fairway of The Pearl Club located at The Summit!

MLS#71184

5510 HWY 144

PENDING

MLS#71319

See You There!

MLS#71390

270-316-5476

14 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

Home innovations that protect against moisture

T

here is an insidious enemy that every homeowner dreads: moisture and the damage and degradation it can cause if left unchecked. Luckily, home improvement manufacturers have discovered new ways to prevent moisture from penetrating the home in the first place. With new home product innovations, there is no reason to suffer the costly and damaging effects of rain, snow or ice.

Unique fasteners add longevity to decks

Exterior cladding that resists moisture

Innovative fastening methods can extend the life of your deck and provide a beautiful fastener-free surface that also stands up better to weather and moisture. Although there are several kinds of deck fasteners that conceal the fastener, edge fastening is the latest method. “With edge fastening, which delivers real screws into the edge of the deck boards with a series of unique guides and drill bits, fastener-related splitting and cracking can be eliminated,” said Greg Palmer, Director of Marketing at National Nail’s CAMO Edge Fastening. “This can add to deck life because moisture is not seeping into those cracks and splits, causing accelerated degradation.” He adds that the company has also expanded its warranty to cover the deck boards, as well as the screws. “Edge fastening works great for composite, PVC and all types of wood decks and creates a safer, fastenerfree surface.”

When searching for alternative exterior products that have beauty and curb appeal, make sure they repel moisture, especially near the foundation or near the gutters at the roof line. It is now possible to have the look of rich wood cedar shake or a variety of stone looks to cover foundations or to upgrade the ugly space under decks. New technology enables polymers to actually be stained or finished to be indistinguishable from the real thing. “There are new levels of realism in shakes that resemble true cedar,” said Ralph Bruno, president, Tando Building Products. “Beach House Shake” by Tando is an example of this superb realism - it installs easily and is impervious to moisture with little to no upkeep.” He adds that homeowners can keep moisture at bay and have luxurious exteriors without sacrificing beauty.

Protect your home in every season As if heavy spring rains and winter’s melt-off didn’t threaten homeowners’ properties enough, the hurricane season is expected to be more erratic than in years past - with a predicted early start and activity right into late fall. Thankfully, there are new, affordable technologies to quickly remove standing water from homeowners’ properties, keeping it away from their foundations. “Having both dependable sump pumps and multi-use pumps are the first lines of defense against storm damage,” said Jeremy Cantor, VP of Marketing for WAYNE Pumps.

“One example is the innovative WaterBUG Submersible Water Removal Pump, which can remove large volumes of standing water quickly and easily from flat grassy yards, basement floors, and even tight spaces like window wells because it has both top and side water flow.” He emphasizes that having reliable multi-use and sump pumps in your home can save thousands of dollars in property damage and basement repairs.

N

Seal it or patch it to keep water out Water damage doesn’t have to happen, and by having the right caulks, sealants and hand tools, homeowners can easily do the job themselves and save on contractor costs. And, if moisture gets ahead of you, there are ways to repair the damage and prevent it from happening in the future. After winter, check windows, under door frames, gutter lines, concrete and other vulnerable areas that need sealing or patching. Very often, the simple act of sealing these areas with the right type of caulk can make a big difference in keeping out moisture. “One of the most popular sealants on the market is LIFETIME Ultra, which is a perfect solution for outdoor fix-ups after winter’s damage,” said Alan Crupper, VP of Marketing, Red Devil, Inc. He added that premium acrylics like this work very well and are paintable, unlike silicones. “You need a caulk that has a tight seal, won’t sag or crack no matter the temperature and especially for outdoors, one that adheres well to any surface.”

o matter the season, moisture can put your home and valuables at risk, so don’t delay in taking preventative action or repairing damage where it starts. With innovative new technologies on the market, you can easily protect your home from nature’s wrath.

15 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

Budgeting basics for first-time home buyers Y

BY BPT

ou wouldn’t dream of going somewhere you’ve never been before without first getting directions. So, why would you go through life without a plan to help meet your financial goals?

“An ongoing household budget is essential, whether it’s helping you save for retirement or buy your first house,” says Eric Hamilton, president of Vanderbilt Mortgage and Finance.

“A budget can help you avoid common mistakes along the way by helping you live within your means while planning for the future.”

If you’ve never had a budget before, you may be unsure how to begin.

Building a budget can be easy as long as you follow a few simple steps:

• Establish your financial goals.

Do you want to be debt free? Buy a new home? Build an emergency fund? Save for retirement? Setting financial goals can help guide the budgeting process.

• Determine your total monthly household income. This should include net income (the final amount of take-home pay after all taxes and deductions) for ever y working member of the household, including any government aid received, child support, alimony, pensions, etc. Knowing the total income gives you a starting point for your budget.

• Calculate your monthly expenses. It may be helpful to

break expenses into categories, such as home, utilities, long term debt, medical, auto, groceries and personal. Personal can include items like clothing, entertainment, dining out, etc. It is helpful to review your cash spending, bank statements and receipts over the past few months to give you a better idea of your spending habits. Check with your bank for tools offered, such as online banking or a mobile app to track of spending on the go.

• Identify where you can reduce spending. After you’ve assessed your spending habits, you might be surprised to find areas where you can cut back. Small changes in your lifestyle can make a big difference to

your budget. For example, instead of buying lunch ever y day, you could take your lunch to work or school.

• Less spending means saving more money. Be sure to set aside these new freed-up funds and allocate them toward your goals.

If you’re tr ying to save for a new home or down payment, view your personal savings as a must-pay fund that’s as important as your rent or car payment.

• Periodically reassess your budget. Life is full of changes, such as fluctuations in income and shifting priorities. It’s important to go back over your budget from time to time to help ensure you are on track to achieve your financial goals.

ose ealty

16 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

(270) 926-4203 2315 Frederica St.

Nathan Johnson Realtor

Selena Pearl Realtor

Lori McDaniel

Lee Ann Beeler

Office Manager

Realtor

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

NEW LISTING

Nathan Johnson 270-993-6548

Realtor

1401 HILL BRIDGE RD. (UTICA) Amazing Blueberry Farm - This beautiful 21+ acre offering is turn-key ready for this year’s harvest. Established Blueberry orchard just 7 miles from downtown Owensboro with over 1800 ft of road frontage. Has building with water, electricity, restroom & walk-in refrigerator. $450,000. MLS # 70564.

Call/text

Lee Ann Beeler 270-316-0876 2934 TURFWAY DR.

Located in the Downs, beautiful

9411 OAK ST. (WHITESVILLE)

Captivating Neo-Colonial Home with exquisite modern touches in Whitesville. This 2-story home features 3 spacious bedrooms (master on 1st floor), 2 baths – 1 on each floor, 2 living areas, kitchen & dining room, plus, a bonus area at top of stairs. New wood laminate flooring, new carpet, vinyl flooring in baths, beautiful staircase re-finished, interior professionally painted, lots of closet space, new light fixtures & so much more! You don’t want to miss an opportunity to own this unique home! Reduced to $172,000. MLS # 71088.

Selena Pearl 270-313-1182

OPEN HOUSE SUN. 6/25

NEW PRICE Tour with

home walk

bedrooms,

2

closet,

privacy

patio,

fence,

new

roof

$100’s. MLS # 71245.

Call/text

Betsy Garant 270-570-0638 104 W. 25TH ST.

Amazing updated & remodeled home with 3 bedrooms, 2 baths, 1439 sq. ft., hardwood floors, newer windows, large kitchen, new privacy fence, nice front & back porches. Additional 700 sq.feet available upstairs (not counted in the square footage). This home is A MUST SEE!!! Reduced to $86,900! MLS # 68997.

Call/text

Nathan Johnson 270-993-6548

Commercial Property - Double Corner Lot 200-202 BRECKENRIDGE ST. Commercial Property (Formerly a car lot), excellent investment opportunity (has been a rental for years @ $695.00/per month), 2 huge lots on corner lot, office building & 3 car garage to work on autos. Zoned B-3. Only $115,000! MLS #70687.

SALE PENDINYGS IN 2 DA

(270) 926-4203

3

(2017), double garage & shed.

506 E. 24TH ST. Charming home close to shopping and schools. Updates include, newer windows & wood laminate flooring, fireplace, carpets in bedrooms, tiled kitchen & bath, separate mudroom/ laundry area, separate dining area, large storage building and two-car carport. $80’s. MLS # 71375.

Nathan Johnson 270-993-6548

in

landscaping,

4319 ST. OLAF CIRCLE (HENDERSON) Remarkable, spacious, 2-story home offers plenty of room for your growing family! Nestled in the Viking Hills area in Henderson, this home boasts 4 bedrooms, 3 bathrooms, 2-car garage & full walk-out basement. Front & back porch with composite deck, lovely landscaping and mature trees add to it’s beauty. Reduced to $264,900. MLS # 71119.

NEW LISTING - Sale Pending in 2 Days

SALE PENDING

with

baths, dining area, kitchen bar,

2:00-3:30PM

Selena Pearl or Call/text 270-313-1182

Call/text

Realtor

Realtor

270-926-4203 270-570-5454 270-570-0638

NEW PRICE

Call/text

Betsy Garant

Mike Garant

21.13 Acre Lot - Blueberry Farm

1611 BARCLAY AVE. Amazing home in a peaceful setting located in the Summit.

Open concept with 5 bedrooms (large master on main floor & bonus room could be used as 6th BR), 3 baths, formal dining room, upstairs & downstairs laundry areas, large kitchen with beautiful cabinets & large island, newer hardwood floors, fresh paint, new roof, new a/c, screened in porch overlooks the 8th hole green of golf course, triple attached garage & the list goes on. MLS #71318.

Call/text

Rose Castlen Garant

Call

Rose Castlen 270-926-4203

www.OwensboroRoseRealty.com

(270) 926-4203

17 Real Estate Inside Out

Angela Clark

270-929-4022

Andrea Widmer

270-570-0449

Bob McPherson 270-313-7278

Saturday, June 24, 2017 Messenger-Inquirer

Casey Wilson

270-925-3681

Charles King

270-922-0311

Ken Stiff

270-945-4570

REALTORS,® LLC

Rachel Brown

270-929-7110

Rita Ward

270-925-5505

Steve Klee

270-993-4349

Steve Marksberry 270-570-0990

Carolyn Clark

270-926-0055

Tony Clark

270-929-4020

Trusted Guidance for Every Move!

- Buy, Sell, Rent, Build, Auction 270-926-0055 SALE PENDING!

4934 Meadowlark Dr

One address- 2 homes! The sprawling brick offers 3-beds, 2-baths, breezeway connect attached 2-car garage. 480 sq ft Guest House. Detached shop/barn. All on a massive 100’x339 ireg lot! Peaceful & Quiet.

Talk to Tony Clark (270) 929-4020

1639 Daviess St

Charm meets Updates at 1639 Daviess St. This 1.5 story with basement offers fireplace. Hardwood floors. Arched doorways Updated Kitchen & Bath.

New Roof installed May 2017. Replacement Windows.

Detached garage plus carport. Incredible rear deck.

Talk to Tony Clark (270) 929-4020

7380 Old Masonville Rd

Beautiful Setting. 5-bed, 2-bath. 3200 sq ft.

You’ll love the spacious rooms. Fireplace in Liv Rm. Replacement windows. Carport.

30x50 garage.

Ken Stiff (270) 945-4570

SOLD!

Fieldcrest

1.5 story 3100 sq ft/ Quality Details - 10 ft. ceilings. Crown molding. Fireplace. Granite in Open Kitchen. Choice lot. Salt-water pool. Hot Tub. Tony Clark (270) 929-4020

SALE PENDING!

1915 E 19th St

Brick 1.5 story offers 4-Bed. 1.5 Bath. 1689 SF. Corner Lot. New Furnace & AC. All appliances included.

Tony Clark (270) 929-4020

SOLD!

723 Walnut Park Dr

Wonderful on Walnut Park Dr. All brick onelevel home offers over 1700 sq ft of living!

3-beds. 1.5 baths. 2-car garage. Spacious lot. $129,900 Angela Clark (270) 929-4022

“Harbor Hills”

All brick home with walk-out basement.

3-beds, 3-baths. Over 3400 sf. You’ll love the open concept. Kitchen Bar. Fireplace in Great Rm. Numerous Upgrades. 0.573 acre home site. $250k’s Andrea Widmer (270) 570-0449

933 River Rd, Central City

4 beds. 2-baths. Beautiful hardwood, Tile floors. Large Kitchen, Dining & Livings Rooms. Detached garage.

Ken Stiff (270) 945-4570

1751Epworth Lane

One-level brick ranch offers 1418 sq ft of spacious living. 3-beds, 1.5 baths. Rear Fam Rm or 4th Bedrm. New Air. Heat & Hot Water Heater replaced 2015. Replacement Windows. Detached garage. Angela Clark (270) 929-4022

SOLD!

47 Church St

Just $68,900 will buy this Bedford stone, 3-bedroom home in Stanley. A little TLC will make this 1308 sq ft home shine! Garage plus Carport. Dimensional Roof installed Oct 2016.

75x240 fenced lot. Near Park & Playground.

Tony Clark (270) 929-4020

Griffith Area

Brick 2-bed home. Located on a 63’x190’ home site. Fireplace in Liv Rm. Built-ins.

Generous sized rooms. 12x15’ Sunroom.

Detached Garage.

Tony Clark (270) 929-4020

12.9 acres on Greenbriar Rd, Utica Partially cleared -ideal for your new home.

Some marketable timber. hunting & lots of wildlife. Rachel Brown (270) 929-7110

SALE PENDING!

94 acres on Roger Cooper Rd, Ohio Co Quiet & Serene, Ideal for Recreation, Hunting or New Home. Electric & Water Available.

Bob McPherson (270) 313-7278

12-unit Apartment Complex

Make your money work for you! 8-One bedroom units. 4-Two bedroom units.

Townhouse-style interior. Well-equipped & Well-Maintained.

Angela Clark (270) 929-4022

24-Unit Apartment Complex

Smart Investors, Take note! 24- one bedroom apartments. Rent well, Many updates. A Great Rate of Return on your money.

Tony Clark (270) 929-4020

Downtown Prime Commercial

A total of 1.675 acres. Sale includes real estate only: 6 buildings. Across from City Hall. An exceptional opportunity to invest in the Heart of Owensboro Kentucky’s Downtown.

Tony Clark (270) 929-4020

18 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

Green home updates that help sell your home

BY BPT

D

emand remains high for energy-ef ficient, eco-friendly home features, according to a survey by the National Association of Home Builders. In fact, the majority of builders now put energy-ef ficient windows, heating and cooling systems, thermostats and appliances in their construction, the survey says.

If you’re selling your home and hope to compete with new constr uction - as well as set your house apar t from other resales - making green improvements could significantly pay off.

“Updating your home with green features can attract more buyers and even increase your home’s sale price,” says Geof f Lewis, president of RE/ MAX, LLC. “Buyers are not only looking for cosmetic upgrades, they also want improvements that will help save them money for as long as they live in the home.”

Some green projects you can easily accomplish yourself, like replacing less ef ficient light bulbs with compact fluorescent light bulbs or LEDs throughout the house, or installing a programmable thermostat. Other improvements may require professional expertise but can result in even bigger payoffs.

Here are five popular green home improvements that could help boost your home’s resale value, and save

you money until you’re ready to sell: • Windows: Replacing older windows with ENERGY STAR-rated highefficiency windows could lower your annual energy bill as much as 12 percent, according to the United States Department of Energy. What’s more, ENERGY STAR-rated windows may qualify for a tax credit of 10 percent off the cost of the windows.

• Insulation: Most homes in the U.S. don’t have enough insulation, according to energystar.gov. Adding insulation and sealing air leaks could reduce annual energy bills by 10 percent. At the time of resale, add-

ing fiberglass insulation in the attic could recoup 107 percent of the cost, according to Remodeling Magazine’s Cost vs. Value report.

•Front door: It’s a key part of your home’s curb appeal and the last exterior feature homebuyers see before entering your house. However, a front door needs to do more than look good. Replacing an older, wooden door with an energy-efficient, secure steel door recoups more than 90 percent of its cost when you sell your home, according to the Cost vs. Value report.

•Landscaping: With warm weather

approaching, it’s a great time to think about landscaping that has green value as well as cosmetic appeal. Adding trees in addition to flowers can provide shade that will help keep the home’s interior cooler in summer months. In fact, according to the National Association of Landscape professionals, planting five shade trees can return up to 100 percent of the project cost when you sell your home.

•Water: Most water heaters last about 10 years, so if your home is older, a new water heater could be a big selling point. A tankless water heater could be even more appealing; because they only heat water when it’s needed, rather than consume energy to hold gallons of water at a set temperature for hours, tankless water heaters use far less energy.

ENERGY STAR says a tankless water heater could save you up to $1,800 over its usable life - which is twice as long as the lifespan of traditional tank water heaters.

When you’re thinking of selling your home, you’ll probably invest a lot of time and energy into staging. Consider saving some additional budget for energy-ef ficient home improvements that may help boost your home’s value. A knowledgeable real estate agent can advise you on which green home improvements can get you the biggest return on investment.

Visit www.remax.com to find a real estate agent near you.

Prospective real estate investors who hope to buy, hold and rent out their investment properties should first interview potential property managers before buying homes. While it’s possible to find property managers willing to manage single-family homes or duplexes, the financial resource Bankrate.com notes that many property managers prefer to manage large apartment complexes instead. Managing properties is hard work, and without skilled property managers on their side, real estate investors may become overwhelmed by the responsibilities of taking care of their real estate investments while simultaneously trying to maintain their own residences. Before buying investment properties, prospective real estate investors should interview various local property managers or property management firms, inquiring about their fees and what is included in those fees. If the cost of hiring property managers drastically cuts into the profits investors hoped to make off their investment properties, they might be better off looking to invest their money in areas other than real estate. Prospective investors can compare the potential return on investment after the cost of property managers has been factored in to the return they might get from more traditional investments to determine if investing in real estate is a sound financial decision.

19 Real Estate Inside Out

Kevin Russell (270)314-4481

Saturday, June 24, 2017 Messenger-Inquirer

Renee Ginn Roethemeier

Jay Velotta

Jay@gulfstreamdev.com

(270)314-1130

(270) 313-4246

2960 Fairview Drive • Owensboro, KY

www.gulfstreamdev.com

cr es A + 18 PENDING

3123 Hwy 54 MLS# 70336

522 Chestnut Grove RD S MLS# 70903

3787 Legacy Run MLS#71226

1744 Thistle Ct MLS# 69656

3445 Wathens Crossing MLS# 70612

FOR SALE OR LEASE

431 Breckenridge Steet MLS# 69438

Highland Pointe Development

Gateway Commons Development

4 Club Gounds Dr MLS# 70685

126 West 2nd Street MLS#70138

101 Frederica Street MLS# C65043

Heritage Park Development MLS# 66361,66362,66363,66364,66365

1620 Frederica Street MLS# 70683

1700 Frederica Street MLS# 70682

1201 Hall Street MLS# 66509

Land for Sale/Lease 4232 West Parrish Avenue - MLS# C64977 4320 West Parrish Avenue - MLS# C69479 3641 Ralph Avenue - MLS# C65025 315 Carlton Drive - MLS# C67321 3910 Hwy 54 - MLS#’s 67745,67746

For Lease Only: 3248 Mt. Moriah Avenue - MLS# C67871 5010 Wildcat Way - MLS# 64412 1 Bullfrog Way - MLS# 67398 3500 Villa Pt Dr - MLS# 65026

Land for Sale: 3200 West Parrish Avenue - MLS# C64786 2000 East Parrish Avenue - MLS# C65362 8201 Hwy 2830 - MLS# C65897 2060 East Parrish Avenue - MLS# C68839 2065 East Parrish Avenue - MLS# C68545 Grandview Heights, Grandview, IN - MLS# C69172 3613 West 5th St Rd - MLS# 70356 4301 JR Miller Blvd. MLS#71223

For Sale: 1245 Happy Lane, Madisonville, KY - MLS# 69069 1728 Everly Brothers Blvd, Central City, KY - MLS# C65934 817 East 4th Street, 823 East 4th Street 320 Center Street - MLS# C69988 1639 Parrish Ave East - MLS# C69996 1201 Frederica Street - MLS# 64427 327 East 18th Street - MLS# 64414 210 Allen Street - MLS# C69683 104-106 West 2nd Street - MLS# 69695 108 West 2nd Street - MLS# 69696 115 West 2nd Street - MLS# 69685 125 West 2nd Street - MLS# 69684 2846 New Hartford Rd - MLS# 70343 1624 Ohio Street - MLS# 70298

For more information about any of these listings, visit www.gulfstreamdev.com.

20 Real Estate Inside Out

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22 Real Estate Inside Out

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23 Real Estate Inside Out

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24 Real Estate Inside Out

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25 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

How to improve your home’s curb appeal M

en and women who have tried to sell a home are likely familiar with the phrase “curb appeal.” Curb appeal is similar to getting ready for a big date, only you’re not dressing yourself up to make a strong first impression.

Instead, impr oving curb appeal involves dressing your home up in the hopes it makes a strong first impression on prospective buyers, many of whom will have a strong opinion about the property before they even get out of their cars to have a look around.

A home with strong curb appeal can entice buyers who are likely to believe that a home with a well-maintained exterior is likely to have an equally impressive interior. Homeowners who want the process of selling their home to go smoothly can improve the property’s curb appeal in a number of ways, many of which don’t necessitate a substantial home improvement budget.

• Clean up. The most ef fective way to improve curb appeal is to clean up the proper ty. Many home-

owners are savvy enough to remove toys and other items from the yard before showing a home, but cleaning up goes beyond removing clutter from the property. Make sure all hedges are trimmed and remove weeds, sticks and other debris from any flower beds. Lay mulch in the flower beds and garden, as mulch prevents weed growth while helping the soil retain moisture, resulting in more attractive gardens to catch a buyer’s eye.

• Get an “edge” on other sellers.

Edging is another easy and effective way to improve curb appeal. Edge driveways, sidewalks and other walkways around the property, removing or trimming anything that is hanging over the driveway or walkways. If the boundary between your driveway and lawn is not distinct, consider installing edging materials such as stone or bricks. The edging can be level with the driveway or elevated, but keep in mind that elevated driveway edging can protect the lawn, preventing kids from riding their bicycles onto the lawn or cars from driving onto it. Add-

ing edging is not a very difficult do-ityourself project.

• Take to the trees. Many homeowners grow accustomed to overgrown trees around their proper ty and may not notice that low-hanging, unsightly branches are hiding the home from view. Buyers want to see the house, so take to the trees and trim any branches that hang too low or obscure your home.

• Clean the gutters. Leaves and sticks hanging from the gutters are a red flag to buyers, who tend to associate clogged gutters with roof damage.

Clean the gutters thoroughly before putting your home up for sale and keep them clean throughout the selling process. If your property includes lots of trees, install guards to keep twigs and leaves out of the gutters.

• Make the home accessible through the front door. Many homeowners enter their home through a side door or through their garage.

If you fall into this category, keep in mind that prospective buyers will be entering through the front door, so

make this area accessible. Clear any clutter, such as overgrown hedges, away from the front door, and consider upgrading the door handle to a more modern feature. In addition, make sure the lock on the front door doesn’t stick, forcing the realtor and buyers to immediately struggle before entering the home. You want buyers and their real estate agents to get in and out of the home as smoothly as possible.

• Make sure all plants, including flowers, are living. Dehydrated or dead plants and flowers are eyesores, and they will give buyers the impression that you didn’t pay much attention to your property. Make sure all plants are alive and thriving and replace those that aren’t. You can replant new flowers or plants or just use potted plants instead. When purchasing new plants, choose low-maintenance varieties that appeal to buyers who want good vibrant plants but might not want to put in much work into the garden.

When selling a home, homeowners can employ a number of tactics to improve their home’s curb appeal.

26 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

Your HVAC can conserve energy and cost less

BY BPT

T

he majority of Americans (74 percent) care about the environment, according to Pew Research. If you recycle regularly and have a programmable thermostat, you’re already doing something positive for the environment.

But when it comes time to replace your heating, ventilation and cooling system, will you know how to make choices that protect your wallet and the environment?

Your home’s HVAC system accounts for about half of the energy your home uses, according to the U.S. Department of Energy. You can lower your utility bills by choosing an efficient HVAC system that uses less energy. A more efficient system can also reduce your home’s environmental impact. NPR reports heating a home with natural gas produces about 6,400 pounds of carbon dioxide and about 4,700 pounds if you heat with electricity. Air conditioning can produce up to 6,600 pounds of CO2 if you live in a warm climate.

Many factors can affect how efficient

your HVAC system is, and how it affects the environment inside and outside your home. An inefficient system or an older one that’s no longer functioning at its best can cause uneven heating and cooling, make loud noise, create humidity and run in frequent stops and starts. If you’re experiencing these problems, it’s likely time to replace your furnace, air conditioner or possibly both.

The HVAC professionals at YORK Heating and Cooling offer some guidance on how to choose an energy-efficient system that’s kind to the environment:

Learn about rating systems

Rating systems are intended to help consumers better understand what they’re getting when they make a purchase, and make more informed decisions about what to buy. When you’re evaluating the energy efficiency of an HVAC system, it’s important to understand these ratings and what they mean: • SEER (Seasonal Energy Efficiency Ratio) - SEER speaks to the efficiency of a system’s air-conditioning unit by mea-

suring performance over a hypothetical cooling season. The ratio compares the amount of cooling provided by the AC unit (measured in British thermal units, or BTUs) with the amount of energy the central system consumes (measured in watts per hour). The size and installation of the equipment, and your energy use patterns, will determine the unit’s actual efficiency, but SEER can give you an idea of probable performance.

• AFUE (Annual Fuel Utilization Efficiency) - AFUE measures heating efficiency for furnaces, boilers and water heaters. Manufacturers use AFUE to help them complete the federally required EnergyGuide label you’ll see on these appliances. The label gives an idea of how much energy the equipment will use, compares it to similar products, and approximates the annual operating costs. AFUE is also a factor in equipment qualifying for ENERGY STAR certification, which requires manufacturers to demonstrate their products are energy efficient.

• HSPF (Heating Seasonal Performance Factor) - For electric heat

pumps, energy efficiency is measured a bit differently. HSPF uses BTU information to calculate heat output divided by the total electricity the heat pump consumes during a heating season.

“For all three rating systems, the higher the number, the more energy efficient the equipment will be,” says Steve Hoffins, director of marketing with YORK Heating and Cooling. “Our newest home comfort system is our most efficient to date, largely in part due to its 20 SEER rating, which can reduce energy costs as much as 50 percent.”

Right-sizing your system

Many homeowners have no problem understanding a system that’s too small for their home won’t function efficiently or do its job well. However, purchasing a system that’s too large for your home can be just as bad. Systems that are too large waste energy and boost utility bills, create uneven temperatures, are poor at controlling humidity and can develop maintenance problems over time.

First Place Realty, LLC NO PICTURE 13 STONE CREEK PARK

MLS-71327 3 Bd/4 full baths, gourmet kitchen, executive office, laundry room, Formal Dining and Living room, Family room, 4 car garage. Tour with Charlotte Burdette 270-231-3561

G N I D N E P

Charlotte Burdette Broker/Realtor®

Has not closed yet More information to come next month.

(270) 231-3561

FUTURE OFFICE

www.charlotteburdette.com lilyburdette.12@gmail.com

27 Real Estate Inside Out

Saturday, June 24, 2017 Messenger-Inquirer

1035 Frederica St Suite 250 Owensboro, KY 42301 www.OwensboroRealtyCompany.com Call us for a GREATER real estate experience....

270-926-5000

Stop By & Tour These Homes On Saturday, June 24th, 2017

Open 9:30 AM-11:00 AM With Philip Hodges 2601 South York Drive $98,000 1528 sq. ft., 2 BR, 1 BA , 2 car carport Breezeway with office area Large corner lot Big backyard with storage building Griffith Avenue area MLS #71171

Open 11:30 AM-1:30 PM With Philip Hodges 4005 Kensington Place $149,900 1650 Sq. ft., 3 BR, 2 BA Family room with fireplace & hardwood floors No flood insurance required Home warranty MLS #71317

Open 2:00 PM-3:30 PM With Philip Hodges 3301 Shadewood Terrace New Price - $229,900!

2022 Sq. ft., completely remodeled, 3 BR, 2.5 BA, bonus room, dining area with fireplace All new flooring & paint Deck overlooking lake MLS #70887

Open 11:00 AM-12:30 PM With Shelly Westendorf 977 West 1st Street New Price - $118,500 1062 Sq. ft., 2 full BA Condo Open concept floorplan Inground pool & detached garage Gorgeous river view Sycamore Square MLS #71217

Open 1:30 PM-3:00 PM With Shelly Westendorf 887 Morningside Dr. New Price - $434,500!

4612 Sq. ft., 4 BR, 3.5 BA & 2 walk-in closets Patio & inground pool Sits on 1.4 acres Grantwood Hills subdivision, Henderson MLS #70727

Call Us Or Log On To www.OwensboroRealtyCompany To View Our Featured Properties

194/186 Locust Grove Rd. E. 1616 Mohawk Drive $124,900 $92,500 3 BR, 2 BA, over 1700 sq. ft.

Over 1900 sq. ft., 3 BR, 1 BA Living room with fireplace Shawnee Park subdivision 4+ Acres in Utica Contact the Vanover Team for Brad Hill 270-314-0878 more information or a tour 270485-3562 MLS #71326

10261 Highway 815 New Price - $174,900!

1600 Sq. ft., 3 BR, 2 BA & workshop 22.75 Acres Brad Hill 270-314-0878 MLS #71015 & 71016

1731 Lee Court $54,000 2 BR, 1 BA, West Storage building & replacement windows Vanover Team 270-485-3562 MLS #68969

45 Evans Street 334 Camden Circle Calhoun - $90,000 New Price - $149,900!

Over 1400 Sq. ft., 4 BR, 2 BA 1500+ sq. ft., 3 BR, 2 BA, large Covered deck, McLean County living room plus a kitchen pantry Oversized, 2 car attached garage Fenced yard, patio 10x12 stor Jim Estes 270-929-4400 age building with electric Vanover Team 270-485-3562 MLS #71388

2705 Wimsatt Ct. $75,000 Just over 2000 sq. ft.

3 BR, 2 BA Covered front porch Vanover Team 270-485-3562 MLS #70491

6135 Sutter Loop South $99,900 Over 1,000 sq. ft., 3 BR, 1 BA Updates include: paint, flooring, insulation & repl. windows Vanover Team 270-485-3562 MLS #71347

1015 South Forest Oak Henderson Over 4600 Sq. ft., 4 bedrooms, 4 full baths & sunroom Full, finished walk-out basement Contact Shelly Westendorf for more info. 270-302-0046

4007 Court Dijon $149,900 4 BR, 2.5 BA, 1938 sq. ft.

Normandy Heights in East county Vanover Team 270-485-3562 MLS #69019

827 Walnut St. Duplex - $74,900 3 BR, 1.5 BA apartment downstairs 2 BR, 1BA upstairs Matt Brown 270-929-9103 MLS #70910

1306 E. 19th St. Triplex - $119,900 Attention Investors!

Two: 1 BR, 1 BA downstairs One: 2 BR, 1BA up Matt Brown 270-929-9103 MLS #70916

Business Opportunities Commercial Lots Farmland Building Sites

531 Catalina Drive New Price - $127,500!

1600 Sq. ft., 2 full BA, 2 car detached garage & inground pool Living room with fireplace plus family room Vanover Team 270-485-3562 MLS #70593

7041 West 5th Street Road $164,900 1809 Sq. ft., 3 BR, 2.5 BA Pool, deck, lake on 10+ acres in West Daviess County Nick Stefanopoulos 270-570-3271 MLS #71148 #71149

270

Jim Estes 929-4400

270

Matt Brown 929-9103

Karen English 929-8499

270

270

Brad Hill 314-0878

270

9417 Hwy. 2830 Maceo - $144,900 Over 2600 Sq. ft., 4 BR, 2 BA Inground pool Covered front porch East Daviess County Jim Estes 270-929-4400 MLS #71424

Philip Hodges 925-5200

Sarah Lippert 952-6130

C

Larry Maxwell 316-4747

270

517 Crabtree Ave. MLS #69039................................................................................................................ $54,800 Zoned commercial but could be rezoned to residential. Remodeled in 2015. Matt Brown 270-929-9103 3926 Hwy. 144 MLS #70498....................................................................................................................$249,900 2550 sq. ft. building on .67 acres in East County. Jim Estes 270-929-4400 2601 New Hartford Rd. MLS #68223 & MLS #68224.........................................................................$199,900 .806 Acre, corner lot, paved parking. Jim Estes 270-929-4400 446 N. Chestnut Gr MLS #68366..........................................................................................................$389,900 65+ acres. Jim Estes 270-929-4400 1744 JT King Rd MLS #68328.................................................................................................................. $69,900 13.64 acres. Nick Stefanopoulos 270-570-3271 2838 Settles Rd. MLS #70557................................................................................................................... $24,900 Just under an acre. Matt Brown 270-929-9103 2195 Yeakel Rd. MLS #70978....................................................................................................................$80,000 26 Acres, barn, 4 lakes, Hawesville. Vanover Team 270-485-3562

Christina Nick Ophanim Stefanopoulos 270 903-1915 570-3271

270

Andy Vanover 485-6473

270

Darrell Vanover 315-0354

270

Wilma Vanover 485-3562

270

Shelly Joy Hinton Westendorf Office Assistant 270 302-0046 926-5000

270

28 Real Estate Inside Out

farmershouse.com

CELEBRATING 10 YEARS! ESTABLISHED 2007 New Listing!

New Listing!

New Listing!

MLS #71402

Ruby St 2 bd, 1 ba home in Ohio county on nearly 2 acres. New flooring and att garage. $84,900 Jaclyn Lanham 270-792-2247

New Listing!- PENDING!

Hwy 56 3 bd, full basement improvements $184,900 Brad

Saturday, June 24, 2017 Messenger-Inquirer

MLS #71379

1.5 ba home with and many recent on .7 acre lot.

Cecil 270-929-1595

MLS #71368

Hwy 81 Investment property with number of possibilities. 2 buildings, shows great potential. $99,900 Brad Cecil 270-929-1595

MLS #71389

Hwy 764 4 bd, 1 full ba, 2 half ba home in East Daviess Co. Full bsmt & 2 car att gar. $159,000 Christy Sumner 270-993-7550

New Listing!

MLS #71385

E 7th St Converted house, currently two units. In need of some tlc before residency. $38,950 Brad Cecil 270-929-1595

MLS #71251

Deserter Creek 4 bd, 3 ba home on over 8 acres. Includes stocked pond, 2 car gar, and shop. $264,900 Valorie Howe 270-316-0750

MLS #71241

White St 5 bd, 2 ba home on 2 acres with in-ground pool and finished bsmt. Only 30 min from Owensboro. $239,900 Christy Sumner 270-993-7550

New Price!

MLS #71196

St. Rt. 661 4 bd 3 ba country home on 10 ac. Above-ground pool, shed, deck, and patio. 2 car att gar and barn. $294,900 Christy Sumner 270-993-7550

MLS #71182

Hawesville Easton 4 bd 2 ba home on 23 acres w/ small barn. Large extended master w/ walk-in closet. $149,900 Christy Sumner 270-993-7550

MLS #71069

St. Rt. 878 Basement home- needs some work, but at great country location. Nice, big lot great for building. $34,900 Christy Sumner 270-993-7550

MLS #71106

Autumn Valley Trce 3 bd 2 ba in Deer Valley w/ lots of upgrades. Big back yard w/ patio and privacy from trees. $164,900 Brad Cecil 270-929-1595

MLS #70966

Main St Great opportunity for turnkey boutique. Price includes inventory. High traffic location. $109,900 Brad Cecil 270-929-1595

Pending!

MLS #70742 #

Tina Marie Dr 3 bd, 2.5 ba home w/ convenient location. 2 car att garage. Gas fireplace. $169,900 Jaclyn Lanham 270-792-2247

MLS #70712

Bells Lane Cabin located on the Green River. Renovated in recent years. Full bath and kitchen. $65,000 Brad Cecil 270-929-1595

MLS #70620

E 2nd St Real Estate Only. Built in 1889, currently ousing The Crowne Boutique. Quality building. $499,900 Brad Cecil 270-929-1595

MLS #71111

Amethyst Ct 3 bd, 2 ba home, pratically brand new. Convenient location, move in ready. $164,900 Christy Sumner 270-993-7550

Pending!

MLS #71341

MLS #70084

Windy Hollow Rd Great potential for building. Desirable land near Owensboro in Windy Hollow area. $29,900 Brad Cecil 270-929-1595

Pending!

MLS #71151

Haycraft Rd 3 bd, 2 ba home just 5 min from town. Carport, det garage, updated kitchen. $149,900 Brad Cecil 270-929-1595

Pending!

Pending!

MLS #71335

Sugar Grove Rd 3 bd, 2 ba home with detached garage, barn, and stocked pond. Big, open kitchen. $94,900 Christy Sumner 270-993-7550

Pending!

MLS #70194

Campground Rd 3 bd, 3 ba home located in East Daviess Co. One car det gar. Lewisport mailing address. $199,900 Brad Cecil 270-929-1595

Pending!

MLS #70610

Hwy 593 3 bd 2 ba underground home just across the Mclean Co line. 39x66 workshop upstairs. $109,900 Brad Cecil 270-929-1595

MLS #71336

Ridgewood St 3 bd, 1 ba newly remodeled home. Updated kitchen, bath, flooring, and paint. $104,900 Brad Cecil 270-929-1595

Wayside Dr W 3 bd, 1 ba home, nicely updated. Carport and detached garage. Newer windows, large yard. $84,900 Brad Cecil 270-929-1595

MLS #70616

Boston Laffoon Rd Great building spot in Philpot just minutes from town. In Whitesville school district. $21,500 Christy Sumner 270-993-7550

Pending!

MLS #71210

Crisp Rd 2 bd, 1 ba home off of Hwy 54. 2 car garage on 2.44 acres w/ pond.

New roof, siding, and bath. $114,900 Christy Sumner 270-993-7550

Pending!

MLS #71210

Crisp Rd 2 bd 1 ba East Daviess Co home with convenient location.

2 car gar on 2.44 acre. $114,900 Christy Sumner 270-993-7550

SOLD

MLS #69559

Hillcrest with full includes Christy

Lp Amish built cabin kitchen and bath. Also guest cabin. $74,900 Sumner 270-993-7550

Pending!

MLS #70735

W 4th St Recent updates to paint and flooring. Neat and clean.

Back roof recently replaced. $199,900 Brad Cecil 270-929-1595

Pending!

MLS #70994

Stevens School Rd 3 bd 2 ba home in Whitesville. Walkout basement on 1.42 acres. $179,900 Christy Sumner 270-993-7550

Pending!

MLS #71254

Hwy 951 3 bd 2 ba Nice, clean country home. On almost 2 acres w/ det gar and above ground pool. $159,900 Christy Sumner 270-993-7550

Also Pending!

MLS #71147

Walnut St Investment property in need of a few repairs. Good value for the money. $29,900 Brad Cecil 270-929-1595

MLS #70941

Hillcrest Dr 3 bd 2 ba home in Beaver Dam in well est. neighborhood.

2 car attached garage. $109,900 Jaclyn Lanham 270-792-2247

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

MLS #68665

Shultz Rd Most of the poperty has been tilled. Limed in 2015.

71.5 acres. $214,900 Christy Sumner 270-993-7550

MLS #71208

Bluff Ave 3 bd 1 ba w/ 2 car det gar. Big kitchen, 2 large bedrooms, 1 smaller, many improvements in recent years. $54,900 Brad Cecil 270-929-1595

MLS # 70296 MLS # 70814 MLS # 71183 MLS # 71208 MLS #71120

MLS # 71212 MLS #71227 MLS #71213 MLS #71229

For status updates, call 270-297-9086

© 2017 Farmer’s House Real Estate, L.L.C. magna est veritas et praevalebit

#