Real Estate Guide October 2021

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

OCTOBER 2021 • FREE

For more information on this property listed with Maria Oman, Premier Real Estate Services, see page 13.

WELL-APPOINTED 4 BEDROOM HOME

KOI POND WITH WATERFALL

WALKOUT LOWER LEVEL WITH PATIO

REAL ESTATE GUIDE TE REAL ES TA

s, Lots, Homes, Farm and Acreage Lake Property D, MEEKER, LEO Mc R FO RKETPLACE UNTIES BUYER’S MA WRIGHT CO D AN LEY RENVILLE, SIB EE • FREE FR • FREE

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 The Treasure Shed 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.

CorTrust Bank Holiday Stationstore Home State Bank Hometown Realty Hutch Café Hutch Co-op Cenex - West Hutch Co-op Cenex - South Hutchinson Chamber of Commerce Hutchinson Leader Hutchinson Mall Keller Williams-Integrity NW King’s Wok Kwik Trip

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Shopper WEEKEND LEADER

“In-bank” Loans / Refinancing / Bridge Loans / Low & Zero Down Payment Options Construction / Second Homes / FHA Loans / Rural Development Loan / Remodeling

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Deb Froemming

NMLS# 646475

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GOOD PEOPLE TO TURN TO

(320) 587 587-2233 2233 www.cbhutch.com bh t h Two locations in Hutchinson 3

Member FDIC NMLS# 646049

255 Highway 7 East Hutchinson

Cell: 320-583-9711

When You're In The Market, Look No Further!

Rachel Huls Broker Associate

Rachel@RachelHuls.com

720 Century Ave. SW, Suite 108, Hutchinson COMMERCIAL SPACE - 4 Room Suite at Clocktower Plaza prime location, just inside front doors, heated underground 2 parking stalls, Great traffic area near Big Box Stores. Visible store frontage for new business, group together with a few home businesses, etc. Handy built-ins for the work room (with “back door” from suite into common area to kitchens, bathrooms etc.). Just $79,000!!!

Clocktower Plaza, Unit 108

Buying? Selling?

1545 Adams Street SE, Hutchinson 1950’s rambler on 8 acres with great highway visibility, 1,800 square foot machine shop, storage barn/garage, well and septic and more!

Call Rachel Huls!

Callforappointment

320-583-9711

2022 Seasonals

at Cokato Lake RV Resort or BUY a UNIT now to lock in your option for next summer. Tours available with appointment.

Currently featuring one vacant lot on lake side; 2 turn-key units overlooking lake; 4 park model units and 3 units with travel/destination RVs all basically “turn-key.” Priced $50k to $135k.

We often have USED PONTOONS, LIFTS, FISHING BOATS, RVs, GOLF CARTS and more. Call for more info.

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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?

Would you consider selling, but don’t know where you’d go?

Call Dean for the info you need regarding the market & your options!

NEW E! C PRI

Hobby Farm - 63870 210th St., Stewart Hobby Farm with NICE House! Two story, 4 BR, 2 BA on 8 acres with woods. Solid house in very good condition, HW floors on both levels. Solid foundation. Newer windows, updated kitchen. Tar road. 30x45 machine shed. Perfect place to raise a family or retire, Tranquil setting! Only $280,000.

’T WON ONG! L LAST

1395 Southfork Street SE Hutchinson Riverfront walkout lot. Quiet street, between upscale homes. On the Crow River. Very nice building site on one of the few lots left available in Hutchinson = don’t wait... Open to any builder. Only $60,000.

WANTED

Lake front within 30 minutes of Hutchinson.

Call Dean Today • 320-224-5676

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For All Your Real Estate Needs www.sabacky.com

For All Your Real Estate Needs www.sabacky.com

ALWAYS CALL

Where Your Stories Continue…. …a New Active Living Community

by Woodstone Senior Living • 1 & 2 Bedroom Apartments • In-Apartment Laundry • Movie Theatre • Pub/Game Room Area • Outdoor Social Area • Health and Wellness Center • Outdoor Activities • Dining Room (Continental Breakfast Included) • Scheduled Activities including Bus Tours, Kayaking, Biking, Golf, Crafts, Aquatic Center, Sporting Events & More

Call today for your personal tour!

955 Cleveland Ave. SW, Hutchinson

320.234.8917 woodstoneseniorliving.com 6

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

Find us on

UPDATED GLENCOE

HOBBY FARM

3 BR, 2 BA home w/ freshly painted interior, hardwood floors, stainless steel appliances, new AC & water heater. Fenced in backyard.

Nicely landscaped yard w/ fruit trees. Vinyl siding & windows. Single stall garage & storage shed. $179,900.

w/ a 30x38 barn, 21x44 machine shed, 29x24 garage. 2 BR, 1 BA home w/ deck. 2.75 Acres on Hwy. 7. $280,000.

ENDLESS POSSIBILITIES

MOVE IN READY!

to convert this old church into a single family home. Full basement is partially finished. Bring your imagination! $84,500.

5 BR, 2 BA home w/ 2 car att. & 18x22 det. garage w/ 6x10 paint booth/shop. Home has mostly new windows, updated kitchen w/ porcelain tile floors, glass backsplash & large dining area. Oak hardwood floors throughout m.f. & recently painted. Main floor BA has soaker tub & ceramic tile. LL w/ 2 large BRs, recently updated 3/4 BA & rec area/ family room. On a quiet street w/ large yard. $239,900.

LOCATED IN STEWART

NE HUTCHINSON

this 3 BR, 2 BA, 2 story home features a huge lot w/ mature trees, gorgeous front porch to relax on, updated flooring on main level & original hardwood floors on 2nd level, new roof in 2017, vinyl windows & maintenance free exterior. Lots of storage. Double det. garage w/ heat. Storage shed. Patio overlooks large backyard on the edge of town. MUST SEE! $135,900.

4 BR split entry home features center isl. kitchen, lower level family room, & deck overlooking fenced in backyard w/ storage shed. 3 car garage w/ heated 3rd stall. New roof in 2020. $299,900.

SE OF HUTCHINSON

LOCATED IN NW

is this large rambler on approx. 2.5 acres.

Completely renovated w/ quality finishings & open floor plan. Owner’s suite w/ full BA, center isl. kitchen, main floor laundry & more.

Newer 3 car det. garage & 32x60 Quonset shed. Maintenance free deck overlooks private setting. Ready for you to enjoy! $429,900.

Hutchinson on a treed lot, this property features a 3 BR home w/ hardwood floors throughout & kitchen w/ tile back splash. Det. double garage w/ man cave including office/sun room, BA & bonus area. This home is ready to move into. $269,900.

NORTH OF HUTCHINSON

JUST NORTH OF HUTCHINSON

is this 3 BR walkout rambler on 2.1 acre cul-de-sac lot. Features vaulted ceilings, main floor laundry, gas burning fireplace in family room, rec room & den. 3 car det. garage w/ AC, heat, 3 phase power & 220 amp electric.

2 large decks overlook treed yard. Great location just minutes from town. $379,900.

on approx. 8 acres is where is farm site is located. Includes house, pole shed, garage, old barn & Quonsets. Beautiful site. $199,000.

LARGE SW

NEAR STAR LAKE is this 2 acre country property. Home features 3 BR, owner’s suite w/ BA & walk in closet, family room w/ fireplace & center isl. kitchen w/ walk in pantry. 3 stall att. garage & 40x60 shed. Great setting w/ many mature trees & wildlife. $269,900.

Hutchinson 3 BR rambler features main floor family room w/ gas burning fireplace, bow window in sunken living room & m.f. laundry.

Patio w/ maintenance free privacy fence.

Steel siding & newer roof. Double att. garage.

219,900.

MM CO

ERC

MAIN STREET

I AL

LARGE COMMERCIAL

Hutchinson commercial building available.

Store front for your business & a large 1 BR suite on the upper level w/ deck & laundry.

This property overlooks library square. $179,900.

building in Glencoe includes reception area, offices & conference room. Att. 4 stall heated garage. Two lease agreements currently in place. Great location, just of of Hwy. 212. $249,900.

MM CO

ERC

I AL

Cheryl Dooley

Jeff Nohner

Diane Kobernusz

John Paulsen

Matt Pulkrabek

Sheila Richter

Ryan Lickfelt

Diane Sorensen

Traci Atkinson

Mark Corbin

Jim Rogers

587-6115

583-9289

583-8547

582-0387

583-0188

583-3870

224-7355

583-8802

260-0328

552-3842

552-3047

Hometown Realty, Inc. • 320-587-6115 7

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 nearby 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 stronger colored walls are repainted with neutral colors, such as beige or white.

Also, paint over walls where paint has

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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 knick knacks: 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 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.

Front: Joyce, Juli & Betty • Back: Justin, Scott & Charlie

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Trust in Tomorrow.® Contact us today.

Call us at (320) 587-2674 “Trust in Tomorrow.” and “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2021.

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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 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.

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• 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.

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Call 320-587-2001 today!

Kelly Babekuhl

320-894-7494 Tracy Ellig

320-583-2878 Craig Juhnke

320-583-7381 Bill Weide

320-894-7854 Elaine Ricke-Wirtenan

320-583-0872 Isaac Reynolds

612-327-9787

Joe Schulte

Jeremiah Reynolds

320-420-7879

320-894-6474

Call 320-587-2001 www.realty1mn.com 11

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 Housing Administration (FHA) loan has started to reclaim its status as an affordable loan. Plus, it now comes with less red tape and more buyer friendly 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, particularly for first-time buyers who might not otherwise be able to afford substantial down payments.”

Federal Housing Administration 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 12

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.

Maria Oman Realtor®, CNE®, ASP® 320-296-1511 cell

420 E Mill Rd., Gibbon

31 Main St., Hutchinson Beautifully renovated building! Completely gutted and remodeled in 2018. Retail space features a 12X10 glass garage door. Striking 3 BR, UL apartment provides additional income or living quarters. MARKET annual rate for apt: $15,600

Only a job transfer makes this home available. Clean, bright, inviting one level living on an acre lot on edge of town! Informal dining.

E PR ICCED !

U R ED

261 Dupont Ave. NE, Hector 4 BR, 2 BA classic rambler. Hardwood floors. Spacious eat-in kitchen w/ built-in desk. Finished lower level w/ large family room, 4th BR, storage room and 3/4 bath/laundry combo. Basement has been waterproofed by Safe Basements/Jesse Trebil. Now $130,000!

!

NEW I NG L IS T

452 James St. NW, Hutchinson 3 BR rambler w/ finished basement on a spacious lot! Fenced yard. Large deck. Eat-in kitchen. Shiplapped wall in the living room.

Hardwood floors. Main floor full BA. Large family room. Attached garage. CA. Forced air furnace.

!

NEW I NG L IS T

1263 Denver Ave. SE, Hutchinson Well-appointed 4 BR, 3 BA home w/ 3 stall heated garage. Granite countertops, SS appliances, hardwood floors, Master Suite, 3 BR on 1 level, fireplace. Walkout basement. Patio. Koi pond w/ waterfall. Desirable neighborhood.

1000 Goebel St. SW, Hutchinson Two-story home in quiet neighborhood on spacious lot.

Yard provides plenty of room for gardening, entertaining & play!

24119 MN Highway 15, Hutchinson

72643 237th St., Dassel

Mature windbreak surrounds well maintained two-level home w/walkout basement on 10 acre corner lot. Kitchen features black & SS appliances, island, pull-out shelves & pop-up shelf for mixer. Main floor master & full BA. Lofted 2nd floor overlooks formal dining room & living room. Two UL BRs & office/library. Fourth BR in LL. Deck. Patio. Four-season porch. Wood burning fireplace, sauna, hot tub, dry bar. Colby windows. New furnace & AC. 48x82 Morten Building/Shop.

All one level living on an acre lot! 5 BR, 3BA. Two property ID#s. BOTH lots included!

Peek-a-boo lake views, deer & established perennials.

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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 firsttime 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.

5.Get Pre-approved—Before you start working with a real estate agent, consider

14

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.

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

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