Real Estate Guide

REAL ES TAT E

Guide

Homes, Farms, Lots, Lake Property and Acreage

BUYER’S MARKETPLACE FOR McLEOD, MEEKER, RENVILLE, SIBLEY AND WRIGHT COUNTIES Published monthly by the Hutchinson Leader and Litchfield Independent Review

APRIL 2020 • fRee

For more info on this or other RV Units for Sale or Seasonal Leases at Cokato Lake RV Resort, contact Rachel Huls, RE/MAX Results, see Page 9.

CUSTOM PARK RV MODEL WITH LOFT

BEAUTIFUL HICKORY CABINETS; DECK AND SUN ROOM

SHED, GOLF CART, CUSTOM PAVER FIREPIT AREA

REAL ESTATE GUIDE

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Mc Leod County Abstract Services McLeod Co. Abstract Services MidCountry Bank Premier Real Estate RE/MAX Results Shamrock Inn Super America - East Super America - West TDK Walgreens Wells Fargo Bank White Companies

LITCHFIELD HUTCHINSON Casey’s General Store Cash Wise Foods Citizens Bank & Trust Co/ North Citizens Bank & Trust Co/ South Country Kitchen Days Inn/ Victorian Conference Center Dunn Brothers Edina Realty: Hutchinson Fairway Indepedent Mortgage Corp.

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s ’ r e d i s n I e Th l a c o L o t e Guid

REAL ESTATE REAL

Guide ES TAT E Home s, Far m Lake BUYE Prope s, Lots, R’S M rty an A R K RENV d Acre ILLE, S ETPLACE F age O IBLEY AND R McLEOD WRIG , MEE HT CO KE UNTIE R, S FREE • FRE E•F REE

Publi shed m Lead er an onthly b y d Litc hfield the Hutc hinso Inde n pend ent R eview FIN PERF D THE ECT H OME

TH PROP E LATEST ERTY LISTIN GS

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Hometown Realty, Inc. 130 Washington Avenue East Hutchinson, MN 55350 Visit our website & Hutchinson’s Hometown Blog www.hometownmn.com info@hometownmn.com

320-587-6115

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3 MILES NORTH

LAKE ADDIE

of Stewart is this 3 BR rambler on 8.83 acres.

Updated m.f. BA, bamboo flooring, new lower level BA, gas burning fireplace in FR & m.f. laundry. Double insulated garage.

Many well cared for outbuildings including machine sheds, barn, quonset & guest house.

Beautiful wooded lot w/ trails. $299,000.

4 BR walkout split entry home features living room w/ wood burning fireplace & built ins, lower level family room w/ fireplace. Huge deck & patio overlooking large private yard w/ mature trees. Double garage & 24x30 shed. Great storage.

Abundance of wildlife. $274,900.

JUST SOUTH

CHARM & CHARACTER

of Lake Manuella this 3 BR, 3 BA home features large LR - DR area w/ vaulted ceilings & numerous windows overlooking 1 acre lot.

Walkout lower level w/ family room & 2nd kitchen. Upper level has loft & 2 BR. Heated double attached garage, and 24x28 detached garage. New roof in 2018. $325,000.

This 2 BR home w/ hardwood floors, large kitchen & separate dining area leads to m.f. den w/ french doors. Deck off of den overlooking large mature back yard. Single detached garage w/ extra parking. New roof in 2019. $124,900.

LOCATED IN CEDAR MILLS

NW HUTCHINSON

this home features a freshly painted center island kitchen, updated BAs, 3 BR, main floor den, lower level FR, vinyl windows, maintenance free deck & patio. Large private back yard w/ storage shed. Oversized single stall garage w/ vinyl siding. This home is ready to move into. $139,900.

3 bedroom split entry home features new granite counters in kitchen, built in cabinet in living room, master bath and family room. Deck overlooking fenced in back yard with fruit trees. Double tuck under garage is insulated. New roof in 2018. This home is move in ready. $179,900.

JUST OUTSIDE

NE HUTCHINSON

of Hutchinson on tar road, this multi level home features LR w/ fireplace, center island kitchen, lower level FR w/ fireplace, & finished rec room w/ fireplace. Located on 1.18 acre lot. 3 stall insulated & heated detached garage allows for great storage.

Convenient location. $224,900.

3 bedroom, 1 1/2 story home features updated eat in kitchen with appliances, nice built ins and lower level family room. Vinyl siding, newer windows and new roof in 2017. Single detached garage and storage shed. Corner lot. $139,900.

CUSTOM BUILT

SECLUDED 7.66

slab on grade rambler in a quiet country development off a paved road. 9’ ceilings, large open kitchen w/ walk in pantry & stainless steel appliances, reverse osmosis system, & in floor heat.

Gas fireplace in LR w/ door to a partially covered back patio. Finished & heated oversized 2 car garage w/ storage above. 3.5 acre lot in Darwin. $304,000.

acres near Hector features a 5 BR, 3 BA home w/ updated kitchen & main floor BA, large master suite w/ walk in closet & BA, gas burning fireplace in living room & m.f. laundry. Lower level family room & rec room.

3 car garage, barn & many other out buildings.

Home warranty plan included. $274,900.

NE HUTCHINSON

SW HUTCHINSON

3 bedroom twinhome features hardwood floors, nice eat in kitchen with door to patio and lower level family room with gas burning fireplace.

Single attached garage. No association fees. $139,900.

New carpet throughout this rambler that features a 4 season room w/ gas fireplace, granite center island, built in desk & pantry in kitchen, finished lower level, 6 panel doors, very open floor plan w/ vaulted ceilings. Great storage throughout.

Double attached garage. $289,900.

SW HUTCHINSON

ONE LEVEL LIVING

2 bedroom rambler features steel siding, newer roof and windows. Nice four season porch overlooking back yard with storage shed. Home warranty plan included. Great starter home! $144,900.

in this new construction twinhome in SE Hutchinson. Features 3 bedrooms, master bedroom with bath & walk in closet, center island kitchen with granite counters, 4 season porch and open floor plan. Double attached garage. $262,900.

Cheryl Dooley

Jeff Nohner

Diane Kobernusz

John Paulsen

Matt Pulkrabek

Sheila Richter

Ryan Lickfelt

Diane Sorensen

Traci Atkinson

Mark Corbin

587-6115

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582-0387

583-0188

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224-7355

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Hometown Realty, Inc. • 320-587-6115 6

Left to right: Joyce, Scott, Julie, Charlie & Betty

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For All Your Real Estate Needs www.sabacky.com

DEAN SABACKY E-mail: deansabacky@gmail.com Web Site: www.sabacky.com

320-224-5676 Toll Free Direct 888-339-0705 Mobile

THINKING OF MOVING?

D L

O S

CALL DEAN FOR AN UPDATE ON THE MARKET & HIS GUARANTEE.

124 Morningside Dr. NE, Hutchinson Ground level condo w/open floor plan. Gorgeous interior!

New: Luxury flooring, furnace, central air & all appliances!

Maint.-free deck. 2 BR, lg. BA. Association maintains lawn & snow removal. Association fee includes water, sewer & garbage. Want care free living? This is a must see! $137,000.

D L O

N O

S

137 Garden Rd. NE, Hutchinson

G

6 Acres Industrial/Commercial Land South Edge of Hutchinson

Very affordable one level living in this 2 bedroom twin home with no association fees. Maintenance free, nice appliances, main floor laundry, private patio, storage shed, easy commute to metro!

Put your business here! On tar road bordering airport.

Build hangars for rent money or other building possibilities. Good Investment for future value! 7xx Airport Rd. Call Dean today! Only $135,000.

Only $99,900. Call Dean.

. . .

E

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N O

N O

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306 Monroe St. SE, Hutchinson

433 Dale St. SW, Hutchinson

3 BR affordable home! Shady lot & quiet street. Maint. free siding & windows. HW floors. Newer furnace & central air. Fenced in yard, patio & deck. Porch, appl incl.

Only $88,900. Call Dean.

Charming 2 bedroom, one car 1-1/2 story home. Maintenance free steel siding and vinyl windows, good roof & central air.

All appliances included. Convenient location. 3 Season porch.

Ready to move into. Only $89,300.

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For All Your Real Estate Needs www.sabacky.com

For All Your Real Estate Needs www.sabacky.com

ALWAYS CALL

255 Highway 7 East Hutchinson

OWN YOUR OWN SITE OR LEASE SEASONALLY

Cell: 320-583-9711

Rachel Huls Broker Associate

Rachel@RachelHuls.com

*All Cokato Lake RV Resort Units Include Lot/Co-op Membership.

XXX Tagus

E DABL BUILREAGE AC

Unit 109

Lot 154

Lot 115

Beautiful lake shore lot on Cokato Lake.

Breckenridge Park Model has double loft.

Amenities of resort can be enjoyed by family and friends…all close to home. $124,900

Beautiful lot w/destination park trailer, deck, screen room, shed, golf cart, between resort office & lake. All for $49,900!

“Grandfathered” RV with attached Minnesota Room and lake view! Very spacious, remodeled kitchen and bathroom. This one’s a rare opportunity! $50,000.

Lot 231

Unit 312

Unit 415

Lot 116

Turnkey travel trailer, deck and level desirable move-in lot! Time to still use this year! $49,900. *May separate lot and RV.

NEW OPPORTUNITY at Cokato Lake RV Resort! Beautiful 2013 Cherokee Destination Park Trailer, lot (membership), golf cart, deck, shed and so much more! $58,900.

2016 Custom Park Model with loft, hickory cabinets, sleeper sofa air bed and recliners, kitchen island, Sun Room with aluminum roof, low maintenance yard, shed, golf cart and more! $84,900.

Park Model with high ceiling and no loft, includes shed and deck and shared fire pit. Lake view and available immediately! $60,000.

Lot 302

Lot 218

6.25 acres near Lake Marion in platted building site. Lots of trees and wildlife.

Call for more details. $49,900

BRING YOUR OWN RV AND BUY OR LEASE AS A SEASONAL Turn-key unit includes camper w/BR & additional sleeper sofa. Screen porch, golf cart (w/new batteries), shed & deck included w/lot. $49,900.

Located near the soon-to-be-newly-renovated Mini Golf course.

Spacious yard, deck replaced in 2017, shed with electric golf cart, somewhat furnished park trailer with slides. Private BR & entry with lots of storage; sleeper sofa in living room. $42,900.

Lot 438

Lot 418

2005 Pilgrim travel trailer, deck and shed included in this package. Located in a quiet area, has a spacious, very private area behind RV. $45,000.

Turnkey nice level lot in middle of

Lot 215

Lot 300

Look at the VIEWS from atop the hill! High quality 5th wheel, shed, great landscaping, cart and more! $49,900.

D

AN

FA

L RM

Xxxx 610th Ave., Hutchinson

campground. Includes 2013 travel trailer

Unit 319

Rare opportunity to own in “Playground Circle” includes deck and borders Frog Creek. $32,000.

Unit 314

TURN-KEY unit with newer RV/ bunkhouse, shed, deck, cart – all you need for $47,900 and NEAR THE POOL!

Unit 524

Great access for someone who would like to pull their RV on and off…large, level lot on pool side $32,000!

Unit 308

Level lot next to the pool includes shed and deck for $34,900

Unit 437

Includes deck $29,900

Unit 440

Beautiful large lot on East side of resort–great shade/sun balance.

Includes lot, deck, shed, fire pit, travel trailer RV and good parking for a package deal of $49,900

Unit 305

(Borders Frog Creek) Includes Deck and Pad $29,900

and golf cart. Super buy at $39,900!!!

Check out this double lofted Breckenridge Park Model near in-ground, heated pool.

Shed, decks, screen room. Quick access and closing! $69,900.

FARMLAND 77+ Tillable Acres Located near Cedar Mills, one side on gravel, one on paved CSAH 12. $400,000.

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Hints for Homeowners Seven Tips For First-time Home Buyers

(NAPS) — If you’ve ever thought about owning a home, now may be the time to take action. Lower interest rates combined with a large inventory of homes in most markets across the U.S. may translate into a good opportunity for buyers.

The home buying process may seem daunting to someone who has never purchased a home before.

But through home buying educational seminars offered in your community, and with the assistance of an experienced loan officer, a first-time homebuyer can obtain a better understanding of financing options, leading to a more positive home buying experience.

“Whether you’ve been dreaming of owning a home for years or you’ve just decided it would be a smart financial move to make, your first home buying experience will be a memorable one,” says Jim Ferriter, executive vice president for GMAC Mortgage. “It’s important to learn about your financing options in order to find the mortgage that’s right for you.”

Ferriter offers the following tips for first-time home buyers: 1. Educate Yourself About the Mortgage Process—By taking the initiative and learning about the mortgage process, you can be more confident in the financial decisions you are making.

It’s important to learn about different types of mortgages, how much you can afford, how your credit impacts your interest rate and the benefits of home ownership.

2. Save Just a Little Bit More—It’s not only important to save money for the down payment and closing costs, but it’s important to factor in some of the other costs of home ownership such as decorating, repairs and maintenance. Many mortgage lenders recommend that first-

time home buyers have at least three to six months of additional savings in their possession in anticipation of these additional expenses.

3. Check Your Credit—An individual’s

credit score will have a significant impact on his or her mortgage loan approval and interest rate. A good first step in financing a home purchase is to check your credit history. You can request a free credit report from any of the three credit-reporting bureaus: Equifax, TransUnion or Experian.

Carefully review your report and contact the credit-reporting bureaus to correct any inaccuracies.

4. Shop Around for a Mortgage Lender—As you start thinking about and preparing for the home buying process, start shopping for the mortgage lender from whom you would like to obtain a mortgage for your new home.

Because this process is new, it’s easy to go with the first lender or loan officer you meet. Instead, take your time and shop around. Start by asking friends, coworkers and family members for recommendations. In addition to pricing (interest rate and closing costs), focus on customer service as well as other services and tools that a mortgage lender may be able to offer you.

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5. Get Pre-approved—Before you start working with a real estate agent, consider contacting a mortgage lender to obtain a pre-approval credit decision. A loan officer will review your financial status, including your income, cash flow and credit score, to help you determine the maximum monthly housing payment for which you may be able to qualify, and, if qualified, “pre-approve” your mortgage before you’ve found a home. Armed with a credit pre-approval, you can start searching for homes with a much better idea of your price range, and in turn save time as you will know the right homes to focus on. Obtaining a pre-approval may offer more confidence and certainty to home sellers in your ability to purchase the home.

6. Don’t Be Afraid to Ask Questions— Once you’ve found your new home, the mortgage lender will help you through the details of the loan process. From application to closing, your loan officer will work through the financing process with you, just as your real estate professional should do in the home buying process. Throughout the process, read all loan documents carefully and involve an attorney, if necessary.

7. Inspect—Before you commit to purchasing a home, don’t forget to do a thorough once over of the property.

Look for any maintenance problems that you may want to address in a purchase agreement. Some people may want to hire a licensed home inspector to conduct a thorough assessment of the property.

For more information about the process for buying your first home, contact an experienced loan officer.

SPRING INTO

Simplicity

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Call Carol when you need experienced, local mortgage service! We’re the easy place to get all your questions answered!

Carol Stark NMLS# 646475

GOOD PEOPLE TO TURN TO

(320) 587 587-2233 2233 www.cbhutch.com bh t h Two locations in Hutchinson 11

Member FDIC NMLS# 646049

Hints for Homeowners A Familiar Home Loan Becomes Popular Again

(NAPS)—A growing number of home buyers are showing renewed interest in a type of mortgage that, some say, has been overlooked in recent years.

For many home buyers and real estate agents, the Federal H o u s i n g Administration (FHA) loan has started to reclaim its status as an affordable loan.

Plus, it now comes with less red tape and more buyerfriendly features than in the past.

It’s important to note that FHA does not make loans.

Rather, it insures loans made by private lenders.

Some say this type of loan— along with companion Department of Veterans Affairs (VA) loans—deserve to be back on consumer and Realtor radar screens. And for good reason, said Allen Jones, government

lending executive for Bank of America.

According to Jones, “These loans are safe, sound, easier to use and more buyer- and refinance-friendly than ever, partic-

ularly for first-time buyers who might not otherwise be able to afford substantial down payments.”

Federal Housing Administration

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loans require a lower down payment—about 6 percent—than other types of loans. However, until recently, some buyers and real estate agents avoided loans such as these. That’s because the loans had what many considered rigid appraisal requirements, inflexible closing terms with sellers, and bureaucratic steps that some found confusing.

Fortunately, those pitfalls have recently been amended by administrative changes. As a result, these loans have emerged as the loan of choice for many consumers. Also on the upside: There are no prepayment penalties and the loans are assumable—features considered desirable by many buyers. The loans have retained requirement for full documentation to support the borrower’s ability to repay the loan.

Said Jones, “At this point, FHA is considered by many to be the best source of prime rate and low-down-payment financing for many first-time home buyers and borrowers with any credit issues.” And there’s icing on the cake: Higher loan limits open the loans to even more borrowers.

Because these loans are prime, they tend to be viewed positively by both the lender and real estate communities alike.

A total home

317 Hwy 7 E., Hutchinson, MN

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Hints for Homeowners Readying a Home for Sale

(MS)— When it comes to selling a home, curb appeal plays a big role. In real estate, it’s typical to ignore the old adage “Don’t judge a book by its cover” and keep driving if you see a home for sale that doesn’t instantly catch your eye.

As important as curb appeal can be, it’s no more or less important than what’s on the inside of a home. After all, if what’s on the inside doesn’t match or exceed what’s on the outside, chances of a sale are slim. For those about to put their house on the market, consider the following tips for ensuring your home’s interior is as appealing as its exterior.

• Store some furniture or bulky items: This is often referred to as “staging,” wherein a homeowner removes furniture or other items in an effort to make a home appear more spacious to prospective buyers.

It’s perfectly legal and commonplace, particularly among sellers who have lived in a house for a long period of time and have years of clutter to account for. Store items with a near-

by storage facility. As an added benefit, with some of the bulkier items now gone, it will be easier to clean the interior before each open house.

• Consider repainting: Stronger colors might have appealed to you or your family over the years, but they might be too strong for prospective buyers. Though most buyers will simply repaint anyway, they might be more inclined to consider your house if the strongercolored walls are repainted with neutral colors, such as beige or white.

Also, paint over walls where paint has become stained or deteriorated. Not doing so will give the impression that the house was not well taken care of, a big red flag for buyers.

• Remove keepsakes or knickknacks: Much like removing large furniture can make a family room or den seem larger, removing keepsakes and knickknacks from the foyer or kitchen can make those rooms appear

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more spacious as well. Since you’ll be moving out anyway, this isn’t a bad way to get a head start on packing • Clean out the garage: Garages were once primarily used to park cars. However, garages are also used for storage. A cluttered garage won’t help sell a house. An empty or clean garage, however, will appear very spacious and stick in a buyer’s mind.

• Fix leaky faucets and showerheads: Leaky faucets and showerheads have a way of becoming unnoticeable background noise if you live in a home long enough. This makes them easy to ignore. However, to prospective buyers, such leaks and noises will be noticeable immediately. Fix all leaks before showing your house.

• Replace old doorknobs and cabinet handles: Some things about a home tend to remain fixed in a buyer’s mind more than others. Old cabinet handles or doorknobs that stick might be nostalgic to a seller, but might mean something entirely different (namely, neglect) to a buyer.

Do a run-through of all the little things and fix them up before showing your house.

Hints for Homeowners Tips For A Successful Self-Move

(MS) - Few things in life are more arduous and exhausting than moving. While moving into a new home can be exciting, the process of moving is rarely enjoyable. Such is the reason many people turn to moving companies when it comes time to change addresses. However, moving companies are an added expense and not right for everyone. Many people choose to selfmove to save some money.

The process of self-moving can be intimidating, particularly for people whose move will take more than one day. Anticipating problems beforehand is often a great way to ensure the move goes off smoothly and with as little stress as possible.

• Truck rental: When selfmoving, many people find themselves in a race against time to get everything packed onto and then off the truck so they can return the truck in time and avoid what is often hefty late fees. Such a race only adds more stress to an already draining day.

Particularly for people whose move will be more than one day, inquire about how much it will cost to keep the truck an extra day. This will eliminate the stress of getting everything done by a set time.

• Cover your valuables: When self-moving for the first time, many people don’t realize just

how dirty most rental trucks are.

Plan on covering up nice furniture or other valuable items beforehand, it can protect your valuables from marks or scratches. With respect to cleanliness, expect the rental truck to be dusty and protect your valuable items accordingly.

• Load the heavy items at the

front of the truck: The “front” of the truck is the wall closet to the truck’s cab. Load the heaviest items, such as dressers, tables and furniture, on first. When packed tightly against the wall, these items won’t move around once you start driving. Certain

15

items, such as couches and mattresses, should be turned on end so they take up less space. A good tip is to put a mattress between large wood pieces to protect them from banging.

• Don’t be a hero: At times, you might be tempted to lift certain items by yourself in the hopes of trimming some time from the move. However, moving is a marathon, not a track meet, and you don’t want to waste energy that you’ll need down the road or hurt yourself.

Heavier items should always be loaded and unloaded by a minimum of two people.

• Mark it: To make unpacking your items go smooth, mark each box with the contents and the room it should go to in your new home.

• Lock it up: While moving trucks come with a lever that keeps the door shut, these levers aren’t locks. Anyone moving overnight should purchase a padlock to put on the truck to protect themselves from theft while they sleep.

• Don’t forget entertainment: Oftentimes, a moving truck has the most basic of radios, with no cassette or CD player and sometimes only AM radio. Anyone whose move is a considerable distance should bring along a radio with a CD player to help combat the boredom.

301 Ramsey Avenue North • Litchfield, MN 55355 Phone: 320-693-3255 • Toll Free: 800-893-3255

WWW.CNBMN.COM

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NMLS #451388