Dream Homes 2015 by SouthwestIowaNews.com

the PLACE for YOU! Special supplement to

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Residential

Neighborhoods

Mark McKeever, owner of Welcome Homes, Inc., is a member of the General Contractors Board of Peers for the City of Council Bluffs. He is also a member of the Council Bluffs Building Trades Association, Council Bluffs Area Chamber of Commerce and the Better Business Bureau. Choose from these beautiful neighborhoods: Hills of Cedar Creek McPherson Woods

Sherwood Country Estates Traceview Estates Also building on private land, acreages, and lots within Iowa and Nebraska

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Dream Homes 2015 3

There’s NO Place Like the

Perfect Home

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4 Dream Homes 2015

Welcome to “Dream Homes, 2015.” Dreams can be a powerful, motivating force. Today’s reality was built on yesterday’s dream and this publication is about just that…building on your dream. You’ve always wanted to build that special home but needed an idea or encouragement to spark the reality. This publication provides not only the ideas, but those individuals and businesses that can help you achieve reality. Even if your dream is achieved on a smaller scale, in this case remodeling your existing home…the point is that It can happen with some helpful planning. We hope this publication will help kindle your dreams into a reality!

ADVERTISERS Welcome Homes............................ Inside Front Cover NP Dodge................................................................... 3 Liberty Homes............................................................ 3

A dream doesn’t become reality through magic; it takes sweat, determination and hard work.

- Colin Powell

MidAmerican Energy.................................................. 5 Custom Design........................................................... 7 Coziahr Heating & Air Conditioning............................ 7 Oakridge Estates........................................................ 7 Nebraska Brick & Supply........................................... 8

Model Homes

Larry Hacket Construction........................................ 11 Pineville...................................................................... 6 Stuart & Associates.................................................. 11 Canterbury................................................................ 10 Heartland Properties Inc........................................... 11 Cordell...................................................................... 12 Burton Plumbing....................................................... 11 Cranbrook................................................................. 13 R.J. Nelson Co......................................................... 15 Vidalia....................................................................... 14 First National Bank................................................... 15 Forsythia................................................................... 17 Western Iowa Mutual Insurance Assn...................... 16 Kodiak....................................................................... 18 Echo Electric Supply................................................ 16 Hampshire................................................................ 20 A Well Dressed Window........................................... 19 Hood River............................................................... 25 Armstrong Quality Home.......................................... 24 Lone Rock................................................................ 27 Home Improvement Show........................................ 24 MacLeod................................................................... 28 Security National Bank............................................. 32 Ottawa...................................................................... 29 United Credit Union.........................Inside Back Cover Brittany..................................................................... 33 Echo Lighting............................................. Back Cover Sedalia...................................................................... 34

Dream Homes 2015 5

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6 Dream Homes 2015

Pineville enhances family enjoyment sible eating venue. The partially covered patio could be outfitted for warm-weather dining. Craftsman-style windows and a Entering the home and walking trio of gables give the compact straight ahead brings you to a Pineville an inviting front facade. bright and expansive great room, Its covered porch makes an ideal where a wide window spans much location for an old-fashioned Owners’ Suite of the rear wall. This room is totally porch swing. 14' x 14'4'' open to the dining room on the right. Inside and out, the entire right Private spaces fill out the left side side of the cottage is devoted to the Pineville of the home. These include three enjoyment of food-related activities, PLAN 30-937 bedrooms, two bathrooms, and a guaranteed to be popular in any Living Area 1762 sq.ft. utility room that links with the twofamily. Garage sq.ft. and a car garage. A storage500 closet Its large sunny nook is up front, Dimensions 50' x 54' coat closet line the hallway into this just to the right of the entry. Light Patio area. If the front is 1000bedroom/study SERIES washes in through windows on 14' x 12' Bedroom used as awww.AssociatedDesigns.com home office, the addition Util. 12'4'' x 10' of an exterior door could allow direct access from the porch. In the Pineville, the owners’ suite Entry Owners’ Suite Nook is at the rear. Amenities include a 14' x 14'4'' Great Room Study/ 11' x 12' Dining roomy walk-in closet and a two16' x 18' Bedroom 12' x 11' section bathroom. A pocket door 10'6'' x 12' separates the dual vanity from the toilet and shower. Patio Garage Visit AssociatedDesigns.com for Covered Porch 14' x 12' 21' x 22'6'' more information or to search our home plans. A review plan of the Bedroom Pineville 30-937, including floor Util. 12'4'' x 10' plans, elevations, section, and artist’s © 2014 Associated Designs, Inc. conception, can be purchased for Entry Owners’ Suite Nook $25. Our home plan 14' x 14'4'' Great Room Study/ Dining11' x 12' catalog, featuring 550 16' x 18' Bedroom 12' x 11' Pineville 10'6'' x 12' home plans, costs PLAN 30-937 $15. Both are availGarage able online, by mail Living Area 1762 sq.ft. Covered Porch 21' x 22'6'' or phone. Add $5 s/h. Garage 500 sq.ft. Dimensions 50' x 54' Associated Designs, 1100 Jacobs Dr., Eu1000 SERIES gene, OR 97402, By Associated Designs

oom x 10'

Util.

two sides. A pocket door opens into the step-saving kitchen,Patio where x 12' appliances, cabinets and 14' counters wrap around four sides. This room, in turn, is open to the dining area at the rear, across a long peninsular counter rimmed by a raised eating bar. Plenty of natural Great Room light brightens the diningDining area as 16' x 18' x 11' well. It has a wide side12' window plus sliding glass doors at the back that lead out onto yet another pos-

www.AssociatedDesigns.com

(800) 634-0123.

Dream Homes 2015 7

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8 Dream Homes 2015

What is on your wish list??? The Basics

1. What part of town (or country) do you want to live in?______________________________________ 2. What price range would you consider? No less than____________ but no more than______________ 3. Are schools a factor and, if so, what do you need to take into consideration (e.g., want specific school system, want kids to be able to walk to school, etc.)?_____________________________ ___________________________________________________________________________________ 4. Do you want an older home or a newer home (less than 5 years old)?__________________________ 5. What kind of houses would you be willing to see? ________ One story ________ 2 story ________ split foyer ________ ________ bi-level ________ tri-level ________ townhouse or condo ________ mobile home 6. What style house appeals to you most? ________ contemporary ________ traditional ________ southwestern ________ colonial ________ no preference 7. How much renovation would you be willing to do? ________ A lot ________ A little ________ None 8. Do you have to be close to public transportation? ________ yes ________ no

9. Do you have any physical needs that must be met, such as wheelchair access? ______ yes ______ no 10. Do you have any animals that will require special facilities? ________ yes ________ no If so, what?__________________________________________________________________________

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Dream Homes 2015 9

11. The Lot

Must Have Would Like to Have Large yard (1 acre or more) _________ __________ Small yard (less than 1 acre) _________ __________ Fenced yard _________ __________ Garage _________ __________ Carport _________ __________ Patio/deck _________ __________ Pool _________ __________ Outdoor spa _________ __________ Extra parking _________ __________ Other buildings (barn, shed, etc.) _________ __________ Special view _________ __________ Of what?__________________________________________________

The Interior

12. How many bedrooms must you have? ________ would you like to have? ________ 13. How many bathrooms do you want? ________ 14. How big would you like your house to be (square feet)? ________ No less than ________ But no more than 15. What features do you want to have in your house?

Air conditioning Wall-to-wall carpet Ceramic tile o Hardwood floors Eat-in kitchen Separate dining room Formal living room Family room Greatroom

Must Have _________ _________ _________ _________ _________ _________ _________ _________ _________

Would Like ________ ________ ________ ________ ________ ________ ________ ________ ________

Separate den or library Basement Separate laundry room Fireplace Workshop No interior steps “In-law” apartment Spa in bathroom Lots of windows (light)

Must Have _________ _________ _________ _________ _________ _________ _________ _________ _________

Would Like ________ ________ ________ ________ ________ ________ ________ ________ ________

Community features

16. Do you want to live in an area with a Community Association? ________ yes ________ no 17. What else do you want in your community? Must Have Would Like Must Have Would Like Community pool _________ ________ Gated Community Golf course _________ ________ or doorman _________ ________ Basketball court _________ ________ Clubhouse/activities _________ ________ Tennis court _________ ________ 18. Are there any other special features or needs that you must consider when you’re looking for a home?__________________________________________________________________________

10 Dream Homes 2015

Canterbury looks like a castle but feels like home

elbows. Its central work island with built-in prep sink is a big plus in this regard. Glass sparkles across the front side of the Canterbury’s nook, and an arched Pocket doors allow total separation opening there feeds into a huge By Associated Designs between the two spaces, family room, expanded by a richly © 2015 when dewindowed octagonal bay. Queen Anne-style Victorian sired. Associated Designs, Inc. A long hutch and counter line the A charming octagonal sitting homes were popular throughout the back of the dining room. Stationary area fills the tower’s upper level. United States in the late 19th and PLAN 30-516 are on one side, but the Three bedrooms, two bathrooms, early 20th century. The Canterbury, book shelvesGarage First Floor 2027 sq.ft. trim, classical stack on the 58' opposite with its gingerbread Vaulted x 24' side is mobile. and a large utility room are also on It rolls out of the way to access this floor. Owners’ suite luxuries columns and conical tower, is an Ceiling Second Floor 1431 sq.ft. stairs leading to the second story. include: a fireplace, huge walk-in eye-catching update of this style. Living 3458 sq.ft. Everyday family living areas closet, oversized shower, deep OnArea the ground floor, the octagoPatio vanity, and direct nal tower houses the foyer. Win- are on Garage 1500 sq.ft. Upthe opposite side of the soaking tub, dual dows fill three sides, making this house. The kitchen is easily spa- deck access. Dimensions 98'7"x72'6" MudorHall four Associated Designs is the origiwelcoming space as bright as it is cious enough for three nal source of the Canterbury 30-516. charming. Another side leads into cooks to combine culinary efforts Kitchen 3000 SERIES Dining For more information or to the kitchen’s sunny eating nook, without bumping www.AssociatedDesigns.com 13' x 15'2" view other designs, visit while two sides are open to the liv14' Ceiling AssociatedDesigns.com ing room. Up Family © 2015 or call 800-634-0123. The living room’s fireplace nesAssociated 25' x 19' tles into a corner between banks of Designs, Inc. Garage Nook Dn Vaulted windows in the front and side walls. 58' x 24' 15'6" x 14'6" Ceiling Living A wide doorway with arched tranBedroom 19'6" x 17'6" som leads into the dining room. Patio

Utility

Canterbury

Utility

Owners’ Suite Dn 15'10" x 16' Owners’

Suite 15'10" x 16'

Bedroom 13' x 11'

Bedroom

Sitting 13'2" x 11' 11'1" x11'1" Sitting

11'1" x11'1" Deck Deck 19'2" 19'2" x 8'6" x 8'6"

13' x 11'

Mud Hall

Canterbury CanterburyCovered

Foyer

Kitchen

Dining 13' x 15'2"

PLAN 30-516 PLAN 30-516 Porch Bedroom First First Floor Floor 2027 2027 sq.ft. sq.ft. 13'2"Second x 11' Floor 1431 Second Floor 1431 sq.ft. sq.ft. Living Area Area 3458 3458 sq.ft. sq.ft. Living Garage 1500 sq.ft. Garage 1500 sq.ft. Dimensions 99'7"x 72'6" Dimensions 98'7"x72'6" 3000 SERIES 3000 SERIES www.AssociatedDesigns.com

www.AssociatedDesigns.com

Garage

Nook x 24' 15'6" x58' 14'6"

Vaulted Living Ceiling 19'6" x 17'6" Foyer Covered Porch

14' Ceiling Family 25' x 19'

Patio

Up Mud Hall Dining 13' x 15'2"

Kitche

Dream Homes 2015 11

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12 Dream Homes 2015

Outdoor living is easy in compact Cordell By Associated Designs Outdoor living spaces figure prominently in the Cordell, a small home designed as a vacation retreat. Simple wooden posts support a wide covered porch that spans the front and transitions to a deck bounding the entire right side. Durable metal roofing adds color and textural variety. A rustic wooden handrail goes the distance, breaking only for the front entry. The front porch is an ideal location for a porch swing, while the side deck provides privacy for outdoor dining, sunbathing and other relaxing pursuits. Families with toddlers could further enclose this space to create a large, safely contained outdoor play area for the little ones. Entering, you step into a large vaulted great room outfitted with a freestanding woodstove. Kitchen and nook are to the left, bounded by a half wall and overhead plant shelf. Natural illumination washes in through wide windows on two walls, and more spills down through a threesome on the second level. Working at the kitchen sink, you can converse with family members

Bedroom 11' x 10'

Cordell

Studio/ Bedroom 11'6'' x 13'6'' Dn to Bsmt

PLAN 30 -185

First Floor 1047 sq.ft. Second Floor 258 sq.ft. Living Area 1305 sq.ft. Dimensions 42' x 40' 1000 SERIES

Vaulted Kitchen Vaulted Nook 10'10'' x 8'10''

www.AssociatedDesigns.com

Loft 12'8'' x 13'6''

Open to Kitchen Below

Open to Great Room Below

in the great room, or appreciate views of the changing seasons through double windows facing both the street and the side deck. Sink, stove and refrigerator are laid out in a step-saving triangle, and counters

Vaulted Great Room 20'2'' x 13'10''

Deck 10' x 40'

Entry

Covered Porch 22' x 8'

ÂŠ 2015 Associated Designs, Inc.

wrap around three sides. Laundry appliances are close by, hidden behind folding doors. Smooth wooden railings rim the open stairway that ascends to the loft and a bathroom with a tub. Two easily accessible attic storage spaces flank the loft. One of the Cordellâ&#x20AC;&#x2122;s bedrooms offers direct access to the deck through French doors. Abundant light here also makes this room ideal for use as an art studio. In the other bedroom, a walk-in closet boosts available storage space. Associated Designs is the original source for the Cordell 30-185. For more information or to view other designs, visit www.Associated Designs.com or call 800-634-0123.

Dream Homes 2015 13 Covered Patio 11' x 6' Up

Covered Patio 11' x 6' Up

Kitchen

Garage 11'8" x 25'4"

Kitchen

Garage 11'9" x 25'4" Dining 14' x 7'

Living 14' x 10'

D Dining 14' x 7' Living 14' x 10'

A Basem Porch

Porch

Cranbrook is a cozy duplex with privacy Covered BedroomPatio 10'6" x 11'11' x 6'

By Associated Designs

Covered Patio 11' x 6'

UNIT A

KitchenThis kitchen is

UNIT B

Kitchen

Cranbrook Up designed to miniKitchen PLAN 60 - 009 The Cranbrook is a townhouse mize steps. Stove, DUPLEX UNIT A UNIT B DUPLEX duplex with the look of two cozy sink and refrigeraDining Dn Dn Garage Garage 10'6'' x 7' tri- First country cottages. These two-story tor sit in a tight Floor 470 sq.ft. 470 sq.ft. First Dn 11'8" x 25'4" 11'9" x 25'4" units stand side by side, but not too angle, while a Second Second Floor 456 sq.ft. 456 sq.ft. Dining Diningstacked pantry ofDining close. The garage between them 10'6'' x 7' Living Area 926 sq.ft. 926 Dn Living sq.ft. Bedroom 14' 14' x 7' © 2015 Associated of storLiving serves as a sound buffer, and its x 7'fers plenty Living 11'8" x 11'6" 301 sq.ft. 301 sq.ft. Designs, Inc. Garage 14' x 14'10' x 10' sta- Garage driveway creates a comfortable age space for Total 54' x 40' Total Dimensions ple foods, canned distance between the entry porches. Alternate Living Living Basement Stairs 1000 In each unit, the front porch14'isx 10'goods, spice col1000 SERIES 14' xSERIES 10' www.AssociatedDesigns.com easily wide enough to hang an old- lections, and the www.AssociatedDesigns.com Alternate across from a storfashioned porch swing or laze away like. Basement Stairs age area ideal for bike parking. Natural light filters in through a summer afternoon on a chaise Two bedrooms, a bathroom, and sliding glass doors at the rear. They Porch lounge. Slender posts support the Porch linen closet are upstairs in each of porch and frame the front door. A access a covered patio, ideal for outthe Cranbrook’s units. The front unit door dining when the weather is inhalf wall wraps around to the side. Bedroom Bedroom bedrooms Entering, you stand at the edge of viting. Each unit’s patio is well-sep- is slightly larger, but both 10'6" x 11' 10'6" x 11' have Bwide, gridded windows. the living room. Once the door closUNIT A arated from the other and could be UNIT Associated Designs is the origies, you can hang outerwear in the screened, if desired, for protection nal source of the Cranbrook 60flying insects. Cranbrook closet behind it. The dining area is from pesky A smallPLAN bathroom is also at the 009. For more information or to completely open to the living room, 60 - 009 view other designs, visit Associated near direct access garage. and only a half wall separates it rear,DUPLEX UNIT A to the UNIT B Dn 800-634-0123. Dn the compact kitchen. Utilities are in right Designs.com or call from First Floor 470the sq.ft.garage, 470 sq.ft. SecondCovered Floor 456 sq.ft. Patio 926 sq.ft. Living Area 11' x 6' Garage 301 sq.ft. Up Total Kitchen Dimensions 1000 SERIES

Bedroom 11'8"Bedroom x 11'6" 10'6" x 11'

Garage 11'8" x 25'4"

456 sq.ft. 926 sq.ft. 301 sq.ft. Up 54' x 40'

Covered Patio 11' x 6'

Bedroom

Bedroom 11'8" x 11'6" 10'6" x 11'

Kitchen

www.AssociatedDesigns.com

Garage 11'9" x 25'4"

Dining 14' x 7'

Bedroom 11'8" x 11'6"

Kitchen

Living 14' x 10'

Dn Dining 14' x 7' Living 14' x 10'

UNIT B

UNIT A Porch

Porch

Bedroom 11'8" x 11'6"

14 Dream Homes 2015

Classy Vidalia Vidalia features space, amenities PLAN 30-134

Bedroom

D n

Dining

Kitchen

room. Formal living room and din- counter, chatting with the cooks By Associated Designs 13' x 15'6'' Bedroom First Floor 2427 sq.ft. ing room flank Open the foyer, while a 13'2'' while to x they work. Other notable Second Floor 1018 sq.ft. Family sunken family 18'10'' features include: a large walk-in The Vidalia is clearly a class act. splendid two-story, Below Theater/Bonus sq.ft.4,000 square room is one step down, just past pantry, built-in phone desk with Boasting more497 than feet of living this grand home the two classic columns that support shelves, and plenty of storage space. Living Area space, 4005 sq.ft. Luxuries abound in the Vidalia’s is Garage designed for849 families sq.ft. that want the balcony. Balcony Windows fill most of the rear owners’ suite. These include a huge plenty of space Dn Dimensions 95'8''xfor 75'6''relaxing and wall of this comfortable, bright and walk-in closet and an elegant bathentertaining. ESTATE SERIES A striking two-story foyer is lofty informal living area. On one room with raised spa tub, oversized Open to www.AssociatedDesigns.com to the kitchen. At shower and twin vanities. Both secoverarched at the rear by a balcony end, it connects Foyer of the room there’s ondary bedrooms also have walk-in from which you the opposite endBelow closets and can view both Patio a fireplace with bookshelves on one Dn private bathrooms. side and an entertainment A hugeTheater/ bonus room over the foyer and family 30' x 8' center on the other. three-car garage is outfitted as a Bonus Owners’ Bedroom 13' x 15'6'' 29'6'' x 12' Nook The large kitchen Bedroom Suite theater with a beverage bar at the Open to 13'2'' x 13' x 18' is expanded by a rear, but it could just as easily be Two-Story Ceiling Family 18'10'' Below Family bright nook. At cen- put to other uses. 26'10'' x 16'10'' ter is a unique work Visit AssociatedDesigns.com for island. Friends and more information or to search our Balcony Dn family can sit at the home plans. A review plan of the Up conversation Vidalia 30-134, including floor Open to Foyer Upsection, and artist’s plans, elevations, Below conception, can be purchased for Dining Living Dn Foyer 11'10'' x Theater/ 11'10'' x $25. Our home plan catalog, fea13'4'' Bonus 13'4'' turing more than 550 home plans, 29'6'' x 12' Patio Util. costs $15. Both are available online, Dn 30' x 8' Porch by mail or phone. Add $5 s/h. AssoOwners’ Alternate Basement Nook Planter Suite ciated Designs, 1100 Jacobs Dr., EuPlanter 13' x 18' Two-Story Ceiling Stairs gene, OR 97402, (800) 634-0123. Family

Util.

Porch Planter

D n

Dining 11'10'' x 13'4''

D n

Foyer

Vidalia Vidalia

Dining

Up Living 11'10'' x 13'4''

Garage 33' x 23'

Kitchen

26'10'' x 16'10''

Alternate Basement Stairs

PLAN 30-134 PLAN 30-134

First Floor 2427 sq.ft. First Floor 2427 sq.ft. Second Floor 1018 sq.ft. Second Floor 1018 sq.ft. Theater/Bonus 497 sq.ft. Theater/Bonus 497 sq.ft. Living Area 4005 sq.ft. Living Area 4005 sq.ft. Garage 849 sq.ft. Garage 849 sq.ft. Dimensions 95'8''x 75'6'' Dimensions 95'8''x 75'6'' ESTATE SERIES ESTATE SERIES

www.AssociatedDesigns.com www.AssociatedDesigns.com

Dream Homes 2015 15

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16 Dream Homes 2015

A Remodeling Checklist There is no doubt about it: just planning a renovation can be time-consuming and stressful—hunting down a contractor, pursuing construction permits, securing the financing. Here are some remodeling prep tips from home repair expert Mike Holmes, of HGTV’s “Holmes on Homes,” and of the recently launched Holmes: The Magazine to Make It Right, to help you get started. Plan: Know your needs • Do your homework. Start with a list of preferences for such items as lighting, flooring, and appliances–and include brand names. This will keep you and your general contractor on the same page about the costs and quality of the work. The more details you can provide the better. • Put your ideas on paper—make sketches and draw up floor plans to discuss with your contractor.

Budget: Control spending • Don’t just nail down products you want your contractor to use but also call around for estimates for how much they cost to install. Factor these in along with miscellaneous expenses such as dining out or booking a hotel room when and if construction makes the space temporarily unlivable. This leads to a realistic budget. • A good rule of thumb is to set aside 10-15 percent more than you figure your renovation will cost. Hire: Ask the right questions • Important questions to ask the contractor include: • What warranty do you offer, and what does it cover? • May I see a copy of your business license • Are you going to acquire the correct permits for the job or will I? Source: http://www.rd.com/home/improvement/a-simple-home-remodelingchecklist/#ixzz2ll9nLTwz

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Dream Homes 2015 17

Deck

By Associated Designs Vaulted

Forsythia

PLAN 10 -426 Living Area 2001 sq.ft. Dimensions 70'10" x 48'8" 2000 SERIES www.AssociatedDesigns.com

From the front, the Forsythia Great Room has the appearance of a typical contemporary ranch-style home. A bird’s-eye view of the Living Dining floor plan tells a different story. A Deck Deck large, dramatic hexagonal space Kitchen forms its core, with Bedroom wings jutting out to 10'4" x 12'4" Entry the right and left. Vaulted This home offers Owners’ Suite broad vistas to the rear, 12' x 19' Porch making it ideal for construcUtility Bedroom tion as a vacation retreat with 12' x 10' a view. But it is equally wellfree-standing wood stove suited for construction in a more provides warmth when needed. urban setting, with a view of a Counters wrap around four Secondary bedrooms, a bathnicely landscaped rear yard. Framed out twin columns sup- sides of the G-shaped kitchen. One room, and a utility room are in the port the roof of the lofty, covered long, angled counter is open to the right wing. Visit AssociatedDesigns.com porch. Double doors open into a great room, while a raised eating high-ceilinged entry, naturally illu- bar rims another peninsular coun- for more information or to search minated by a wide transom. An art ter. Sink and dishwasher are built our home plans. A review plan of the Forsythia 10-426, including niche is ahead and to the right; an in on the kitchen side. The Forsythia’s owners’ suite floor plans, elevations, section, open passageway is ahead and to the left. It leads directly into the serves as a quiet retreat, entirely and artist’s conception, can be purbright and spacious great room, filling the left wing. Sliding doors chased for $25. Our home plan where six pie-shaped ceiling sec- in the vaulted sleeping area pro- catalog, featuring more than 550 vide direct access to the rear deck. home plans, costs $15. Both are tions slope up to one central apex. Windows, wide and high, fill Bathroom features include: a available online, by mail or phone. most of the three rear wall sec- roomy walk-in closet, a spa tub Add $5 s/h. Associated Designs, tions, offering stunning vistas from with a shower head, and a totally 1100 Jacobs Dr., Eugene, OR 97402, (800) 634-0123. anywhere in the great room. A private toilet.

18 Dream Homes 2015

Deck

Open to Great Room Below

Modern log-built Kodiak has great views Vaulted Loft

By Associated Designs

side and rear views, while more A skylight brightens the bathroom, Vaulted Deck light spills down through aBedroom skylight. which is located next to a deep A kitchen door leads onto wide walk-in closet. As the Kodiak amply illustrates, 16' xa 13'10'' EverythingOpen upstairs Great log cabins just keepRoom getting better. suspended deck that spans the rear, to in the Kodix 28'6'' Great Room the loft, including ideal for outdoor living when the ak is vaulted, This modern 24'4'' log home blends rusticDeck Below and walk-in weather allows. The kitchen also bedroom, bathroom uite appeal with all the amenities you’d Vaulted Dn links to a pantry and a utility room closet. A richly windowed, unfinexpect to find in a contemporary 2' Kitchen Vaulted Loft is below. basement home. The plan is designed for with direct access to the garage. A ished daylight For a review plan, construction on a lot with a down convenient powder room Upon the view side. scaled floor is right around the corner. slope Entry Kodiak Vaultedincluding plans, elevations, secTheUtility owner’s suite fills An Deck array of windows sparkle Deck PLAN 30-697 30-697 Bedroom to PLAN tion and artist’s conacross the central Dn section, which the opposite wing. It, too, 16' x 13'10'' Bsmt First Floor 1466 sq.ft. First Floor 1466 sq.ft. offers deck access and yet ception, send $25 to has a traditional A-frame shape. Great Room Second Floor Floor 521 521 sq.ft. sq.ft. Associated Designs, The home’s entry is on the opposite Second Vaulted 24'4'' xanother 28'6'' set of windows Vaulted side, where you come in through a with magnificent views. Living Covered Porch Living Area Area 1987 1987 sq.ft. sq.ft. 1100 Jacobs Dr., Owners’ Suite Vaulted 24' x porch, 8' Dn OR 97402. Eugene, vaulted and covered rimmed Garage 299 sq.ft. Garage 299 sq.ft. Garage 15'8'' x 12' Kitchen Specify the Kodiak by log handrails. Entering, you 18'4'' x 15'2'' Dimensions 63' xx 50' 50' Dimensions 63' 30-697 and include step into the great room, Deck 1000 SERIES SERIES 1000 a return address. A where an abundanceUpof © 2009 Associated Designs, Inc. © 2009 Entry Associated www.AssociatedDesigns.com Kodiak featuring www.AssociatedDesigns.com catalog light washes in through Designs, Inc. Utility PLAN 30-697 over 550 home plans windows on Dn to Bsmt is available $15. For two levels. Firstfor Floor 1466 more sq.ft. inDeck Deck formation,Second call (800) 634-0123, The room is Floor 521 sq.ft. or Vaulted visit www.AssociatedDesigns.com. vaulted on the Covered Porch Living Area 1987 sq.ft. Great Room vista side, and 24' x 8' 24'4'' x 28'6'' Vaulted Garage 299 sq.ft. Garage a free-standing Owners’ Suite Vaulted 18'4'' x 15'2'' Dimensions 63' x 50' 15'8'' x 12' Kitchen wood stove Open to 1000 SERIES nestles into the Great Room © 2009 Associated Designs, Inc. Below Up left corner by www.AssociatedDesigns.com Entry Utility the windows. Dn to Vaulted Loft Bsmt On the right, the great Vaulted Vaulted Covered Porch room is open to a C-shaped Bedroom 24' x 8' 16' x 13'10'' Garage kitchen. Counters and cupboards 18'4'' x 15'2'' wrap around parts of three sides, while a cook-top work island anDn chors the center. The kitchen offers

Kodiak

Dream Homes 2015 19

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20 Dream Homes 2015

Handsome Hampshire can double in size Columns, keystone arches and corner quoins lend a classic look to the ranch-style Hampshire. This mid-size home has the potential to double its living space. Because its full, richly windowed walkout basement can be finished as needed, it’s well suited for an expanding family, running a home business out of the lower level, or both. Designed for construction on a rear down slope, the front facade of the main floor is at street level, while the rear is one story up from the ground. Walking straight ahead through the foyer and vaulted great room, then out the atrium Dn doors, you’ll find yourself elevated on a wide railed deck that overlooks the Storage landscape. 12' x 31' Gathering spaces cluster together in the center. A dining room or parlor is

through a wide opening on the foyer’s right. Double doors on the foyer’s left side open into a more private space that could be a den, office, third bedroom, or whatever suits. It also links to bathrooms and the other bedrooms. The vaulted great room that fills the heart of the home is partially open to the bayed nook and large kitchen. Cabinets, counters, and appliances wrap around the kitchen on three sides. Its rectangular work island adds more workspace and storage capacity. A deep pantry is right around the corner, past the basement stairs and across from a convenient

powder room. A large utility room and a storage closet fill out this section. On the opposite side of the home, a bathroom and roomy walk-in closet provide sound buffering for the Hampshire’s owners’ suite. Other amenities here include a dual vanity and an oversized walk-in shower. A wide window in the sleeping area offers broad vistas to the rear. Associated Designs is the original source of the Hampshire 30-799. For more information or to view other designs, visit AssociatedDesigns.com or call 800-634-0123.

Deck 16' x 10'

Owners’ Suite 15' x 15'

Nook 13'8'' x 10'2'' Dn

Vaulted Great Room 16' x 20'8''

Utility

By Associated Designs

Kitchen

Hampshire

PLAN 30-799 Living Area 2619 sq.ft. Storage 395 sq.ft. Garage 806 sq.ft. Dimensions 72' x 56'8'' 2000 SERIES www.AssociatedDesigns.com

Bedroom 12'8'' x 13'8''

Den/Office/ Bedroom 12' x 13'8''

Foyer

Dining/ Parlor 13' x 11'6''

Covered Porch

Garage 25' x 31'2''

Dream Homes 2015 21

Help your home’s exterior rebound from harsh winter weather Metro Creative Connection

The seasons can be harsh on homes, and perhaps no season is more taxing on a home’s exterior than winter. Harsh winter weather can take a toll on roofs, gutters, landscaping, and just about any other part of the home that must face the cold head-on. The following are a few areas of your home that might need some help rebounding from winter now that spring has finally arrived.

· Gutters: Gutters are vulnerable to winter weather, as strong winds may blow debris into the gutters or even blow the gutters off of the house. Gutters should be cleaned prior to and immediately after winter to ensure they’re working properly and not backing up to the point that water can build up and damage the roof. Reattach any loose gutters and clear them of any debris left behind by winter winds. · Roof: The roof is another area of

your home’s exterior that may have been beaten down over the winter. Examine the roof for cracked, missing or deformed shingles that can allow water to enter a home and damage its interior. Some roof damage is visible from the ground, but homeowners who just endured especially harsh winters may want to climb up on their roofs or hire a professional to get a closer look. Another way to determine if the roof was damaged is to go into your attic and check for water damage near roof trusses. Water damage indicates something went awry over the winter.

· Walkways and driveways:

Heavy snowfall or significant accu-

mulation of ice over the winter can result in cracked or damaged walkways, driveways and porches. Some of this damage may have resulted from aggressive shoveling or breaking up of ice. Look for any cracks in areas that needed shoveling over the winter, as such cracks can be safety hazards and may even prove to be entry points into your home for water or critters.

· Landscaping: Landscaping also tends to take a hit in areas that experience harsh winters. Winter storms may damage trees, which can put a home right in the line of falling limbs or worse. Walk around your property to inspect for tree damage, removing any fallen limbs or cutting down any

limbs that appear dead or that might eventually prove a safety hazard. In addition, check the grass for any dead spots that might have fallen victim to winter freeze, and address those spots when the time comes to revitalize your lawn.

· Appliances: When surveying your property after a long winter, inspect appliances like a central air conditioning unit or even dryer vents to make sure they made it through the winter unscathed. Such appliances may have proven an attractive nesting spot for animals over the winter, but damage can be significant if vermin or other animals seek shelter from winter weather inside appliances

22 Dream Homes 2015

Get the Low Down on Low Down Payments

(StatePoint) You may have heard the rule of thumb that you shouldn’t buy a home unless you can put down 20 percent of the purchase price. However, today’s home buyers have many choices when it comes to the size of the down payment. While this magic number of 20 percent will save you from paying Private Mortgage Insurance (PMI), an added insurance policy that protects the lender if you are unable to pay your mortgage, you can pay considerably less than this if you want. “Today’s consumers persistently overestimate the size of a down payment they need to finance a home,” says Christina Boyle, SVP and Head of Single-Family Sales & Relationship Management at Freddie Mac. According to the results of a recent survey conducted by Zelman & Associates, 39 percent of those surveyed estimated that the minimum down payment requirement for a home is at

least 15 percent of the purchase price. The reality is quite different however, as qualified buyers can get a conventional mortgage with a down payment of as little as three percent. In fact, recent statistics show more than one in five borrowers who took out conventional mortgages in 2014 put down 10 percent or less. Educating potential homeowners on the rules of down payments – and available assistance programs – plays a large role in getting qualified borrowers off the sidelines and into homeownership, according to Boyle, who also notes that today’s historically low mortgage rates, coupled with affordable home prices in many parts of the country, make it an attractive time to consider buying. “If putting 20 percent down will deplete all of your savings and leave you with no financial cushion, it’s probably not in your best interest,” she says.

If you don’t put down 20 percent, the cost of PMI varies based on your loan-to-value ratio – the amount you owe on your mortgage compared to its value – and credit score, but you can expect to pay between $30 and $70 per month for every $100,000 borrowed. While it’s no doubt an added cost, it enables buyers to purchase now and begin building equity versus waiting five to 10 years to build enough savings for a larger down payment. Additionally, once you’ve built equity of 20 percent in your home, you can cancel your PMI and remove that added expense from your monthly payment. New homeownership opportunities are poised to grow. Carefully evaluate your finances to determine how much you can afford and talk with your lender or housing professional about what makes best sense for you and your particular situation.

Dream Homes 2015 23

Home Improvement Trends are Driving Innovations in Tools

(StatePoint) If you’ve hired a conrtractor to work on your home, you may not recognize the impact you had on trends and innovation in the home improvement industry. 0 For example, as more homeowners look for ways to become eco-friendly, a growing number of contractors are using newer material, such as “Green wInsulation Technology,” a sustainable insulation alternative. h Likewise, design trends create a need

for new tools. Indeed, one out of three tilers expects “stone-effect” to be the most popular tiling style within the next 12 months, according to a recent survey of 400 contractors conducted by Lab42. And to do a good job with such tiling, nearly three out of five contractors said they wish they could cut holes in porcelain tile more efficiently, citing it as one of the most time-consuming tasks on the job. Enter tool bits such as the RotoZip XCores, a high-speed dia-

mond hole saw that can cut tile, stone and granite, and operates at speeds ten times faster, lasts four times longer and can withstand more heat than comparable tools. A companion tool, the RotoZip RotoSaw, along with RotoZip ZipBits or XBITS, make quick, controlled cuts in a variety of materials, including drywall, up to one-inch thick. As homeowners demands are met, more innovations in materials and tools are blossoming.

24 Dream Homes 2015 CBBA

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Dream Homes 2015 25

Daylight basement expands Hood River Bold stone-veneer columns draw eyes to the Hood River’s lofty entry. Built on a down slope to the rear, this home is really much larger than it looks, thanks to a large daylight basement. Its low-pitched hipped roof and widely overhanging eaves clearly mark it as a Prairie-style home. Frank Lloyd Wright originated the style in Chicago in the early 1900s. High ceilings overarch the living spaces, from the entry right through the center to the rear. Entry and foyer ceilings are 13 feet high, while the vaulted ceiling in the expansive great room soars to even greater heights. Stacked windows, angling up to a low-pitched central peak, fill most of the rear wall. Flames in the gas fireplace on the right can be enjoyed at a moment’s notice. Only a drop in ceiling height indicates the transition between the great room and the kitchen and dining area. A curved work island/ eating bar anchors the kitchen’s center. Counters, cabinets and appliances span walls on two sides. Sliding glass doors open onto a covered deck. A passageway off of the great room leads into a short hallway. The owners’ suite is at one end, storage and a utility room at the other. In the owners’ suite, the roomy walk-in closet is reached via the two-section bathroom.

The den just inside the Hood Hood River 30-947, including floor River’s front door is in an ideal lo- plans, elevations, section, and cation for a home office. A few artist’s conception, can be purchased steps further through the foyer is a for $25. Our home plan catalog, set of stairs that lead you down to featuring more than 550 home plans, the daylight basement. At the bot- costs $15. Both are available online, tom of the stairs, you find yourself by mail or phone. Add $5 s/h. Assoin a large ciated Designs, 1100 Jacobs Dr., family room, Eugene, OR 97402, (800) 634-0123. Covered Deck where natural 18'6'' x 10' light streams Dn in through wide winDining Great Room Owners’ Suite dows at the 14' x 12' 17' x 20'2'' 15'6'' x 13'4'' rear, and sliding glass doors open onto a Kitchen covered patio. Two bedrooms and a Dn bathroom are down © 2014 Associated Designs, Inc. the hall. Visit AssociatDen Garage 16' x 14'8'' edDesigns.com for 33' x 22' more information (20' deep at 3rd bay) or to search our Porch home plans. A review plan of the Foyer

By Associated Designs

Hood River PLAN 30-947

Upper Floor 1648 sq.ft. Lower Floor 931 sq.ft. Living Area 2579 sq.ft. Garage 738 sq.ft. Dimensions 60' x 62' 2000 SERIES www.AssociatedDesigns.com

Covered Patio 8'6'' x 10' Up Bedroom 12'4'' x 11'2'' Family 16'10'' x 20'4'' Up

Bedroom 11'4'' x 11'2''

26 Dream Homes 2015

Renovating a Historic Home

Living in an historic home can be a labor of love. The history and the distinct architecture of historic homes draw buyers to such properties, but what historic homes have in regard to history they often lack in the conveniences of modern life, forcing many historic-home owners to make renovations to bring their homes into the 21st century. Historic-home renovations differ from other types of modifications. According to the Victorian Preservation Association, renovation is getting a home back to where it may have been when originally built, but making concessions for todayâ&#x20AC;&#x2122;s lifestyle. Preservation is the act of maintaining a structure in its current historic state, and restoration is returning a home to its original state. Unless a homeowner plans to use an outhouse or live without electricity, the majority of work done on historic properties is likely to fall into the category of a renovation. Renovating an aging structure can be fulfilling and help to make a home more functional. But make no mistake, such a renovation is a major undertaking. Before beginning, it pays to hire a professional consultant with expertise in renovating historic properties. He or she can inspect the property to determine which areas of the home are safe and which will need to be upgraded. A professional inspection also can determine if any deficiencies lie hidden in the structure. Potential concerns can be toxic paints and other substances, building code issues, rotting, and structural settling. Professionals will know what to look for and guide homeowners accordingly. Homeowners also may want to consult with a preservation association, community restoration group or general owner-builder group. These people can refer homeowners

to the craftspeople and materials that will be needed for a job. Homeowners can request to see other historic properties in the area and learn what those owners did to maintain the integrity of a home when using newer materials. Before any work is started, homeowners should find out if their home is listed with the National Register of Historic Places. According to the United States National Parks Service, property owners can do whatever they want with their property so long as there are no federal monies attached to the property. However, the property owner should also contact his or her stateâ&#x20AC;&#x2122;s historic preservation office, or SHPO. The SHPO is the state agency that oversees historic preservation efforts in each state, and there may be state or local preservation laws that the owner should be aware of before renovating a historic property. Craftspeople should have experience with historic homes and a sensitivity and appreciation of renovating

older properties. Homeowners always should see examples of a craftspersonâ&#x20AC;&#x2122;s work and verify references from each contractor before hiring anyone to work on the property. Homeowners who want to include traditional hardware and other period details in their homes may be able to find quality replicas of historic milling materials, while others may want to scour antique shops or salvage yards for era-appropriate materials. Historic renovations can be costly and have a tendency to go over budget because of unforseen damage and hazards that have to be repaired so the building is up to code. Going into the project with this in mind can help soften the blow of extra costs down the road. Historic homes can be beautiful and appeal to buyers who appreciate the one-of-a-kind nature of older properties. Renovating historic homes may take time and money, but the results may be well worth the effort.

Dream Homes 2015 27

Cozy Lone Rock exudes bungalow charm By Associated Designs

Mud Hall Mud Hall

Mud Hall

Patio 6' x 14'8"

Patio Patio 6' x 14'8" 6' x 14'8"

The small powder room across the hall is convenient to the Shingles and stone kitchen and family room as well provide eye-catching as the rear porches. Bedroom Bedroom Utility Utility textural variety to the While most of the home is on 13'6" x 14' 13'6" x 14' 15'8" x 14'6" Bedroom 15'8" x 14'6" Lone Rock,Utility a bungaone level,Dna bedroom, bathroom 13'6" x 14' 15'8" x 14'6" Up low designed for conand spacious utility room are locatUp Dn Covrd struction on a lot that in the finished half of the Lone Sun ed Porch Up Porchbasement below. A slopes down at the rear. Rock’s daylight 9'4" x 5'8" Covrd Sun Porch Unfinished Craftsman windows pet door accesses the util9'4" xconvenient 5'8" Porch Basement on all sides add their ity room there. The downDn 30'8" x 15'4" Unfinished Dn Den characteristic sparkle. stairs bedroom has a roomy Basement Dn Unfinished © 2011 Associated Designs, 13'2" x 9'8" To enter, youBasement climb walk-in closet Vaulted and offers di30'8" x 15'4" Covrd DenSun Porch Country a few wide 30'8" steps. rect access to 9'4" x 5'8" Porch 13'2" x 9'8" Vaulted x 15'4" Kitchen These lead to© 2011 a welthe side patio. Associated Designs, Inc. Country Dn 12'10" x 15' Kitchen coming covered As space needs Den © 2011porch Associated Designs, Inc. 12'10" x 15' 13'2" x 9'8" with stone veneer bases expand, the Vaulted Country accented by tapered colowners might Kitchen umns that are linked by want to finish 12'10" x 15' Lone Rock Vaulted nostalgic wooden railings. the basement’s Vaulted PLAN 41-020 Lone Rock Owners’ Great Room other half. The entry opens diVaulted Deck Vaulted Suite Floor 1160 sq.ft. PLAN 41-020 x 16' Owners’ rectly into a vaulted great Main For a reGreat15' Room Vaulted Deck 12' x 15'8" Vaulted Finished sq.ft. Suite Floor Bsmt 1160653 sq.ft. Owners’ 15' x 16' room with a masonry Main view plan, inGreat Room Deck Entry Suite 12' x 15'8" 15' x 16' LivingBsmt Area 653 1813 sq.ft. sq.ft. fireplace. Wide arched Finished cluding scaled 12' x 15'8" Entry openings at the rear lead Living floor plans, elEntry Unfinished sq.ft. Area Bsmt 1813447 sq.ft. to a vaulted country Unfinished evations, secDimensions x 50' Bsmt 44740' sq.ft. kitchen that expands out Covered Porch tion and artist’s 1000 SERIES Dimensions 40' x 50' Covered Porch on the right. The mud hall conception, Covered Porch www.AssociatedDesigns.com 1000 SERIES straight ahead runs past a send $25 to storage closet and a coat www.AssociatedDesigns.com Associated Decloset before opening onto a cov- the four lower-level windows. The signs, 1100 Jacobs Dr., Eugene, OR ered porch with a cozy sun porch to informal dining area is completely 97402. Specify the Lone Rock 41the left. Basement stairs are nearby. open to the kitchen, and a sliding 020 and include a return address Counters and cupboards wrap glass door opens onto the side deck when ordering. A catalog featuring around three sides of the kitchen, that links with the front porch. more than 550 home plans is availA vaulted owners’ suite with a able for $15. For more informawhich is richly windowed on two sides. Near the apex of the vault- full bathroom fills out the left side tion, call (800) 634-0123, or visit ing, two transom windows crown of the home along with the den. www.AssociatedDesigns.com.

28 Dream Homes 2015

Elegant MacLeod has ample living space open into a den with a tor, dishwasher, and MacLeod built-in desk and an prep sink. Oven and miPLAN 30 -120 crowave are built into Stone veneer combines with entire wall of bookcas2994 sq.ft. cabinets close to a pashandsome keystone arches to give es. Through the arched First Floor a European country manor look to opening on the right is Second Floor 1036 sq.ft. sageway that leads to a the MacLeod, an elegant estate a living room with an Living Area 4030 sq.ft. sizable utility room with a small toilet, and home with more than 4,000 square 11-foot ceiling and Storage 361 sq.ft. a three-car garage. feet of living space. The owners’ brick fireplace. 884 sq.ft. A dining room with Garage Bathroom features suite, along with a wide selection of gathering spaces, is on the main built-in hutch/buffet is Dimensions 76'8" x 74' in the sumptuous owners’ suite include an ESTATE SERIES floor while three more bedrooms one step up, through and a huge skylit storage room are double arches. French www.AssociatedDesigns.com oversized shower, two doors open on a rambasins and a raised spa on the upper level. From the two-story foyer, a bling patio that wraps across most tub next to an arched window. Each of the two walk-in closets is graceful stairway curves up to a of the rear. The charming octagonal nook huge, but one is slightly larger. landing that overlooks the space below. French doors on the left connects the formal and informal People who enjoy a morning soak living areas. Kitchen amenities in- can roll out of bed and finish wakclude: a walk-in pantry, ing up in the MacLeod’s hot tub, work island with cook- just outside on the patio. Patio top, and another long Associated Designs is the origiPatio angled island/eating nal source for the MacLeod 30-120. bar with sink, For more information or to view trash compac- other designs, visit www.Associated Owners’ Suite 17'8" x 19'10" Designs.com or call 800-634-0123. By Associated Designs

Family 20'2" x 20'4"

Patio

Dining 14'8" x 15'4"

Utility

Kitchen Garage 23'2" x 37'8"

Up Foyer Den 11' x 13'6"

ny co al B

Nook 12'3" x 13'8"

Porch

Storage 18' x 18'8"

Guest Suite 15'8" x 13'8"

Dn Living 16' x 19'8"

Bedroom 15'8" x 13' Bedroom 11' x 13'

Open to Foyer Below

Dream Homes 2015 29

Vaulted great room is at center of Ottawa Kitchen

Garage 23'6" x 22'

Utility

Owners’ Suite Vaulted Vaulted 16'10" x 14' Covered Patio Great Room 31' x 16'4"

Vaulted Dining 16'4" x 14'8"

Utility

Bedroom 11'4" x 11'

Garage 23'6" x 22'

Vau Great 31' x

Vau Covered

Vaulted Covered Porch Dn

Owners’ Suite 16'10" x 14'

Garage 23'6" x 22'

Great Room 31' x 16'4"

Kitchen

The Ottawa’s vaulted great room Ottawa is awash in natural light. Windows PLAN -601 and atrium doors30 fill most of the Living Area 2145 ground level front wall, sq.ft. and more Garage 607where sq.ft. they are stacked overhead sparkle across the front A Dimensions 86' x gable. 56' mirror-image2000 window set fills the SERIES rear gable, on the opposite end of www.AssociatedDesigns.com the room. Ground-level glass is in generous supply there as well. This lofty and majestic great room forms the home’s core. To enter it, you walk across the covered front porch and step through one of the Bedroom atrium doors. The Bedroom entire space x 11' 11'4" is so13'2" open that you can seex 11' clear through to the rear windows. Another windowed door there, this one flanked by sidelights, opens onto a covered patio. A fireplace nestles into one front corner of the great room, and a stack of built-in runs along Owners’bookcases Suite the wall next to it, 16'10" x 14' terminating where the kitchen begins. Bedroom 13'2" x 11' Also bounding the

vaulted kitchen is a other half. Ottawa lengthy, raised converIn the owners’ suite, PLAN 30 -601 sation bar with an the private bathroom Dn inner, lower counter Living Area 2145 sq.ft. has a double vanity, that doubles as a work Garage large shower and 607 sq.ft. island. totally private toilet. A Dimensions 86' x 56' Just around the large walk-in closet 2000 SERIES corner is a large walk-in offers plenty of shelf www.AssociatedDesigns.com pantry, small powder www.AssociatedDesigns.com space along with the room, and good-sized clothing rods oneVau Covere utility room, along with direct would expect. One of the other Vaulted access to a two-car garage that has two bedrooms is slightly larger Alternate Basement Covered Patio extra storage space at the back. than the other andStairs has more shelf Three bedrooms are down a storage space. Bedroom hallway to the left ofBedroom the Ottawa’s Associated Designs is the 13'2" x 11' 11'4" x 11' great room. original source for the Vaulted Ottawa Stor. Vaulted 6'6" x 9' The owners’ suite takes up half of 30-601. For more information or Dining Kitchen 16'4" x 14'8" that wing, secondary to view other designs, visit Vaultedwhile 14'8" x 14'8" bedrooms, their shared bathroom, www.AssociatedDesigns.com or Dining 14'8" closet fill the and a 16'4" deep xstorage call 800-634-0123.

Great Room 31' x 16'4"

By Associated Designs

Alternate Basement Stairs

Vaulted Great Room 31' x 16'4"

Garage 23'6" x 22'

Vaulted Covered Porch

30 Dream Homes 2015

25 questions & answers

Source: U.S. Department of Housing and Urban Development

history, etc. when determining your maximum loan amount.

Homeownership is important for most Americans. During 2000, the U.S. homeownership rate reached 67.7%, the highest rate ever. A home is a financial asset and more: it’s a place to live and raise children; it’s a plan for the future; it’s an investment in your community.

3. How can I determine my housing needs before I begin the search? Your home should fit way you live, with spaces and features that appeal to the whole family. Before you begin looking at homes, make a list of your priorities - things like location and size. Should the house be close to certain schools? your job? to public transportation? How large should the house be? What type of lot do you prefer? What kinds of amenities are you looking for? Establish a set of minimum requirements and a ‘wish list.” Minimum requirements are things that a house must have for you to consider it, while a “wish list” covers things that you’d like to have but aren’t essential.

Knowledge is said to open doors. This is literally true when it comes to buying a home. To become a first-time homebuyer, you need to know where and how to begin the home buying process. The following questions and answers have been carefully selected to give you a foundation of basic knowledge. Here are a few key issues or questions to consider when buying or building a home. 1. How does purchasing a home compare with renting? The two don’t really compare at all. The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for housing. Owning a home has many benefits. When you make a mortgage payment, you are building equity. And that’s an investment. Owning a home also qualifies you for tax breaks that assist you in dealing with your new financial responsibilities- like insurance, real estate taxes, and upkeep- which can be substantial. But given the freedom, stability, and security of owning your own home, they are worth it. 2. How does the lender decide the maximum loan amount that I can afford? The lender considers your debt-toincome ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. According to the FHA, monthly mortgage payments should be no more than 29% of gross income, while the mortgage payment, combined with non-housing expenses, 4 should total no more than 41% of income. The lender also considers cash available for down payment and closing costs, credit

4. What should I look for when deciding on a community? Select a community/location that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and museums important to you? Or do you prefer the peace and quiet of a rural community? When you find places that you like, talk to people that live there. They know the most about the area and will be your future neighbors. More than anything, you want a neighborhood where you feel comfortable in. 5. How can I find out about local schools? You can get information about school systems by contacting the city or county school board or the local schools. Your real estate agent may also be knowledgeable about schools in the area. 6. How can I find out about community resources? Contact the local chamber of commerce for promotional literature or talk to your real estate agent about welcome kits, maps, and other information. You may also want to visit the local library. It can be an excellent source for information on local events and resources, and the librarians will probably be able to answer many of the questions you have. 7. How can I find out how much homes are selling for in specific communities and neighborhoods? Your real estate agent can give you a ballpark figure by showing you comparable listings. If you are work-

ing with a real estate professional, they may have access to comparable sales maintained on a database. 8. How can I find information on the property tax liability? The total amount of the previous year’s property taxes is usually included in the listing information. If it’s not, ask the seller for a tax receipt or contact the local assessor’s off ice. Tax rates can change from year to year, so these figures may be approximate. 9. What other tax issues should I take into consideration? Keep in mind that your mortgage interest and real estate taxes will be deductible. A qualified real estate professional can give you more details on other tax benefits and liabilities, 10. What should I look for when walking through a home? In addition to comparing the home to your minimum requirement and wish lists, use the HUD Home Scorecard and consider the following: • Is there enough room for both the present and the future? • Are there enough bedrooms and bathrooms? • Is the house structurally sound? • Do the mechanical systems and appliances work? • Is the yard big enough? • Do you like the floor plan? • Will your furniture fit in the space? Is there enough storage space? (Bring a tape measure to better answer these questions.) • Does anything need to repaired or replaced? Will the seller repair or replace the items? Imagine the house in good weather and bad, and in each season. Will you be happy with it year-round? Take your time and think carefully about each house you see. Ask your real estate agent to point out the pros and cons of each home from a professional standpoint. 11. What questions should I ask when looking at homes? Many of your questions should focus on potential problems and maintenance issues. Does anything need to be replaced? What things require ongoing maintenance (e.g., paint, roof, HVAC, appliances, carpet)? Also ask about the house and neighborhood, focusing on quality of life issues. Be sure the seller’s or real estate agent’s answers are

clear and complete. Ask questions until you understand all of the information they’ve given. Making a list of questions ahead of time will help you organize your thoughts and arrange all of the information you receive. The HUD Home Scorecard can help you develop your question list. 12. What does a home inspector do, and how does an inspection figure in the purchase of a home? An inspector checks the safety of your potential new home. Home Inspectors focus especially on the structure, construction, and mechanical systems of the house and will make you aware of only repairs that are needed. The Inspector does not evaluate whether or not you’re getting good value for your money. Generally, an inspector checks (and gives prices for repairs on): the electrical system, plumbing and waste disposal, the water heater, insulation and Ventilation, the HVAC system, water source and quality, the potential presence of pests, the foundation, doors, windows, ceilings, walls, floors, and roof. Be sure to hire a home inspector that is qualified and experienced. It’s a good idea to have an inspection before you sign a written offer since, once the deal is closed, you’ve bought the house as is.” Or, you may want to include an inspection clause in the offer when negotiating for a home. An inspection t clause gives you an ‘out” on buying the house if serious problems are found, or gives you the ability to renegotiate the purchase price if repairs are needed. An inspection clause can also specify that the seller must fix the problem(s) before you purchase the house. 13. Do I need to be there for the inspection? It’s not required, but it’s a good idea. Following the inspection, the home inspector will be able to answer questions about the report and any problem areas. This is also an opportunity to hear an objective opinion on the home you’d I like to purchase and it is a good time to ask general, maintenance questions.

Dream Homes 2015 31

about buying a new home 14. Are other types of inspections required? If you have children under the age of seven, you will want to have an inspection for lead-based point. It’s important to know that lead flakes from paint can be present in both the home and in the soil surrounding the house. The problem can be fixed temporarily by repairing damaged paint surfaces or planting grass over effected soil. Hiring a lead abatement contractor to remove paint chips and seal damaged areas will fix the problem permanently. 16. Are power lines a health hazard? There are no definitive research findings that indicate exposure to power lines results in greater instances of disease or illness. 17. Do I need a lawyer to buy a home? Laws vary by state. Some states require a lawyer to assist in several aspects of the home buying process while other states do not, as long as a qualified real estate professional is involved. Even if your state doesn’t require one, you may want to hire a lawyer to help with the complex paperwork and legal contracts. A lawyer can review contracts, make you aware of special considerations, and assist you with the closing process. Your real estate agent may be able to recommend a lawyer. If not, shop around. Find out what services are provided for what fee, and whether the attorney is experienced at representing homebuyers. 18. Do I really need homeowner’s insurance? Yes. A paid homeowner’s insurance policy (or a paid receipt for one) is required at closing, so arrangements will have to be made prior to that day. Plus, involving the insurance agent early in the home buying process can save you money. Insurance agents are a great resource for information on home safety and they can give tips on how to keep insurance premiums low. 19. What steps could I take to lower my homeowner’s insurance costs? Be sure to shop around among several insurance companies. Also, consider the cost of insurance when you look at homes. Newer homes and homes constructed with materials like brick tend to have lower premiums. Think about avoiding areas prone to natural disasters, like

flooding. Choose a home with a fire hydrant or a fire department nearby. 20. Is the home located in a flood plain? Your real estate agent or lender can help you answer this question. If you live in a flood plain, the lender will require that you have flood insurance before lending any money to you. But if you live near a flood plain, you may choose whether or not to get flood insurance coverage for your home. Work with an insurance agent to construct a policy that fits your needs. 21. What other issues should I consider before I buy a home? Always check to see if the house is in a low-lying area, in a high-risk area for natural disasters (like earthquakes, hurricanes, tornadoes, etc.), or in a hazardous materials area. Be sure the house meets building codes. Also consider local zoning laws, which could affect remodeling or making an addition in the future. Your real estate agent should be able to help you with these questions. 22. How do I make an offer? Your real estate agent will assist you in making an offer, which will include the following information: • Complete legal description of the property • Amount of earnest money • Down payment and financing details • Proposed move-in date • Price you are offering • Proposed closing date • Length of time the offer is valid • Details of the deal Remember that a sale commitment depends on negotiating a satisfactory contract with the seller, not just making an offer. Other ways to lower ins-insurance costs include insuring your home and car(s) with the same company, increasing home security, and seeking group coverage through alumni or business associations. Insurance costs are always lowered by raising your deductibles, but this exposes you to a higher out-of-pocket cost if you have to file a claim. 23. How do I determine the initial offer? Unless you have a buyer’s agent, remember that the agent works for the seller. Make a point of asking him or her to keep your discussions and information confidential. Listen

to your real estate agent’s advice, but follow your own instincts on deciding a fair price. Calculating your offer should involve several factors: what homes se ll for in the area, the home’s condition, how long it’s been on the market, financing terms, and the seller’s situation. By the time you’re ready to make an offer, you should have a good idea of what the home is worth and what you can afford. And, be prepared for giveand-take negotiation, which is very common when buying a home. The buyer and seller may often go back and forth until they can agree on a price. 24. What is “earnest” money? How much should I set aside? Earnest money is money put down to demonstrate your seriousness about buying a home. It must be substantial enough to demonstrate good faith and is usually between 1-5% of the purchase price (though the amount can vary with local customs and conditions). If your offer is accepted, the earnest money becomes part of your down payment or closing costs. If the offer is rejected, your money is returned to you. If you back out of a deal, you may forfeit the entire amount. 25. What are the “home warranties”, and should I consider them? Home warranties offer you protection for a specific period of time (e.g., one year) against potentially costly problems, like unexpected repairs on appliances or home systems, which are not covered by homeowner’s insurance. Warranties are becoming more popular because they offer protection during the time immediately following the purchase of a home, a time when many people find themselves cash-strapped.

32 Dream Homes 2015

Tips to Heat Your Home Affordably this Winter (StatePoint) Climate control accounts for almost half the energy use in a typical U.S. home and is also the largest energy expense for most people -- but it doesn’t have to be. With a few simple solutions, you can be friendlier toward your wallet and the environment this winter.

Weather-Proof Your Home

Cracks, gaps and joints can cause drafts that will undermine your heating efforts and send your utility bill through the roof. Caulking, insulating and weatherstripping can help curtail the waste so you can enjoy a warmer, more comfortable winter. Older homes may lack sufficient insulation. Based on where you live and how you currently heat your home, a contractor can help you determine whether your attic, floors and walls need more insulation.

Investigate Heating Alternatives

More than one million U.S. homes are currently heated with pellets, and it’s no wonder why -- pellet stoves eliminate 75 percent of the carbon emissions associated with fossil fuel heating. That’s roughly three times the impact of driving a hybrid car and saves consumers $400 to $1,500 or more each year, according to the Hearth, Patio & Barbecue Association. Plus, some state and local municipalities even offer a tax credit for heating all or part of a home with biomass fuels. Additionally, because pellets are made from renewable resources like residual forest waste and agricultural byproducts, they absorb nearly as much carbon growing as they give off when burned, making them carbon neutral, according to the Pellet Fuels Institute. To maximize cost savings, look for a high efficiency, free-standing pellet stove, like the XXV from Harman Stoves. This stylish pellet stove delivers controlled heat thanks to its distinct cast iron details and advanced roomsensing technology, which automatically adjusts heat output to maintain a consistent room temperature. You can also cut costs by replacing a drafty, masonrybuilt fireplace with an insert, like the Harman Accentra 52i which offers powerful and consistent heat with low maintenance and fuel-saving technology. Council Bluffsalter To learn more about energy efficient, cost-saving 712-256-4443 natives for home heating, visit www.HarmanStoves.com. Glenwood

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you warm. By dressing warmer indoors, you will be able to keep the overall central heat temperature down, resulting in real cost-savings.

New Windows

Heat loss through windows can account for a whopping 10 to 25 percent of your heating bill, according to the Department of Energy. If you have older, single pane windows, it Friendly, knowledgeable may be time for an up- staff with quick service Since 1994doublegrade. Look for pane windows that are and always competitive rates! Call us at ENERGY •STAR qualified. SIDING WINDOWS It’s a one-time expense DOORS • GUTTERS with a true return on infor a quote today! vestment.Cell:

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Dream Homes 2015 33

Brittany’s great room is naturally bright By Associated Designs The Brittany is a midsize home with the possibility of up to five bedrooms. But the two rooms to the right of the entry might just as easily be put to other uses: hobby room, home entertainment center, work-out space, etc. The simple addition of a direct entry door from the porch could transform the den/guest room into a home office. Light streams into the entry through a sidelight and transom. This naturally bright space is a junction for a multiplicity of rooms and hallways. To the left is the dining room (or parlor). Through an arched opening, you can take the hallway to secondary bedrooms, or go straight ahead to the kitchen and nook. On the right, your choices

include a central bathroom, vaulted den/guest suite/home office, or hallway to the owners’ suite and a study (or bedroom). Windows fill most of two walls in the vaulted family room, and more light washes in through sliding glass doors in the nook. A gas fireplace tucked in the rear corner serves as a warm focal point when darkness falls or skies turn gray. Working in the kitchen, you can keep tabs on goings-on throughout the family room, nook and patio. Cupboard and counter space are amply supplied, and the long eating bar keeps family members and guests out of Vaulted Family the way while

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allowing them to chat with kitchen workers. Laundry appliances are nearby, in a pass-through utility room that connects to the three-car garage. Amenities in the Brittany’s owners’ suite include a large walk-in closet, dual vanity, private water closet, and an oversize walk-in shower. The owners’ suite also offers direct access to the patio. Associated Designs is the original source of the Brittany 30-317. For more information or to view other designs visit Associated Designs.com or call 800-634-0123.

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Dining/ Parlor 12' x 13'

Owners’ Suite 13'4" x 18'8"

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34 Dream Homes 2015

Brick details & sparkling glass adorn stately, regal Sedalia Screened

Sedalia Sedalia Sedalia

PLAN 10-231 PLAN 10-231 Living LivingArea Area 2525 2525sq.ft. sq.ft. Garage 711 PLAN 10-231 Garage 711sq.ft. sq.ft. Dimensions xx70' Living Area 252569' sq.ft. Dimensions 69' 70' dual lavs, a 2000 SERIES sq.ft. SERIES s o a k i n g Garage 2000 711 www.AssociatedDesigns.com 69' x 70' tub, and Dimensions www.AssociatedDesigns.com glass-block 2000 SERIES

The exteriorPorch walls are almost en17'Double x 16' tirely Screened glass. doors swing Stately and regal, the Sedalia’s open, providing Porch access to an almost room with a 17' xdining 16' soaring arched entry gives this Kitchen home octagonal enclosed toilet and shower. the appearance of being larger than stately trayed ceiling. www.AssociatedDesigns.com The front bedroom is ideal for Kitchen Another vaulted ceiling adds it really is. But with over 2500 Sitting or home office. 10' x 8' square feet ofVaulted floor space, no one volume to the sleeping area of the use as a study Associated Sedalia’s owners’ could say it is small. Sun Room Sitting Designs is the origiVaulted Vaulted suite. Other nal source for the Sedalia 10-231. here Room include a separate 10'2'' x 15' 10' x 8' A wealthVaulted of multipaned windows amenitiesGreat Owners’ For more information or and a dousparkle across all sides of the brick sitting area Suite 16' x 22'8'' Sun Room Vaulted Vaulted to view other designs, 14'4'' x 16'10'' closet. veneer exterior. Brick detailing ble walk-in 10'2'' x 15' Owners’ Great Room Dining visit www.Associated The luxurious crowns the gently arched openings, Suite 16' x 22'8''own13'2'' x 13' Designs.com or call 800x 16'10'' underscores the windows and ac- ers’ bathroom has 14'4''Screened Bedroom Porch Dining 634-0123. cents the built-in planters. 11'2'' x 10'10'' 13'2'' x 13' 17' x 16' Entering, you step into an elBedroom Kitchen egant vaulted 11'2'' xentry. 10'10'' The great © 2015 Associated Designs, Inc. room, through an arched openSitting ing straight ahead, is also vault10' x 8' Vaulted © 2015 Associated Designs, Inc. ed. A fireplace nestles into an Sun Room Entry Vaulted Vaulted angled wall Bedroom while across the Bedroom 10'2'' x 15' Owners’ Great Room 11'2'' x 13'2'' flank 11'2'' x 13'2'' room, slender windows 16' x 22'8'' Entry Garage Suite the FrenchBedroom doors that open intoBedroom 14'4'' x 16'10'' 24'6'' x 24'4'' Dining 11'2'' x 13'2'' 11'2'' x 13'2'' a large screened porch. 13'2'' x 13' Garage All that divides the great room Bedroom 24'6'' x 24'4'' Workshop/ 11'2'' x 10'10'' from the kitchen is a long eating Storage bar. Standing at the work island’s 8'6'' x 9'6'' Workshop/ built-in cooktop, you can con© 2015 Associated Designs, Inc. Storage verse with folks at the eating 8'6'' x 9'6'' counter or in the great room. Entry Bedroom Bedroom Kitchen counters wrap around 11'2'' x 13'2'' 11'2'' x 13'2'' the inside of a wide window Garage bay that provides plenty of nat24'6'' x 24'4'' ural illumination. Built-in stanWorkshop/ dard and microwave ovens are Storage next to a step-in pantry. 8'6'' x 9'6'' Moods brighten and potted plants flourish in the vaulted, skylit sun room that expands the kitchen. By Associated Designs

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