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Northfield News Saturday-Sunday October 18-19, 2008
The sewerless solution
What is important for you to know before buying a home with a septic system By CHARLES SCUTT CTW FEATURES For millions of American homeowners, flushing a toilet is an act that’s taken for granted. You simply push down on the little silver handle and walk away without giving it a second thought. But not every owner has it so easy. Some properties are situated in rural and underdeveloped areas that aren’t served by a public sewage treatment system. If you’re considering buying a new or existing home in such a location, you’ll most likely be reliant on a private septic system. “One in four households in the United States uses a septic system on-site to process household waste consisting of black water – toilet waste – and gray water – kitchen and laundry waste,� says Dennis F. Hallahan, technical director, Infiltrator Systems, Old Saybrook, Conn. “The septic system naturally treats and purifies this wastewater and returns it safely to the environment to recharge groundwater supplies.� According to Dr. Bruce Lesikar, agricultural engineer, Texas AgriLife Extension Service, College Station, Texas, a conventional septic system consists of a
septic tank and a soil-absorption field (also called a drain field or leach field). Wastewater first goes to the septic tank – an enclosed, watertight container where solids are separated from liquid wastes. Bacteria in the septic tank begin consuming the organic matter, nutrients and solids in the wastewater, which then moves to the soil absorption field. Once there, it travels through perforated pipes to a gravel bed and into the soil, where contaminants get consumed by microorganisms. Lastly, the water moves through the soil and either evaporates, is used by plants or moves to groundwater. Hallahan says that today’s septic systems “are safe, efficient and cost-effective. They can be basic, or they can be designed with special features and components for homes with high water use or those in environmentally sensitive areas.� When a house is being built, the size of its on-site wastewater treatment system is determined by the number of bedrooms in the house, the square footage, and whether water-conserving fixtures will be used, Lesikar says. The system chosen is one that will handle the greatest volume and
strength of wastewater for that size of house. Hallahan says that on-site septic systems that are older, improperly maintained or overloaded by excessive water usage can result in messy, bad-smelling, healththreatening sewage backups and even total system failure. “A septic system may be out of sight, but it definitely should not be out of mind,� says Hallahan. “Just as you need to have your furnace serviced and keep the oil changed in your car, proper general maintenance and awareness of your daily living habits and your system’s operation will im-
prove the life and health of your system – protecting your home investment and your family.� A private septic system can be expensive to install and maintain. Lesikar says that installation costs range from $2,000 to $6,000 or more, depending on the house size, soil type and other factors. The cost to have the system inspected and pumped out – which is recommended every three to five years – is estimated at approximately $250. Including purchase, installation and upkeep, Hallahan says you can expect to pay around $20,000 over a 20-year period for an on-site
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septic system. Indeed, owning a home with a private septic system can be a big responsibility, especially considering that across the nation, “new and revised regulations and health codes are mandating certain levels of performance for on-site septic systems that must be met prior to the sale of a home and upgrades in areas where environmental sensibility is an issue,� Hallahan said. “Due to the poor economy and a lack of disposable income impacting most Americans, the threat or actuality of a septic system failure or mandated upgrade can loom heavily on homeowner’s pocketbooks.� Hallahan has some recommendations for operating and maintaining a healthy septic system, including conserving water. “Turn off the faucet while brushing your teeth, spread out heavy water use, such as washing clothes and taking showers, repair leaky faucets and fixtures, and replace old toilets with new 1.6-gallon toilets,� says Hallahan. “Also, keep drains clean. If it’s not biodegradable, it doesn’t belong in the system, so no cat litter, cigarettes, sanitary products, paints or grease.�
www.edinarealty.com
OPEN SUNDAY 3-5
NEW LISTING
705 Carter Dr. Spacious & beautiful, this NEW construction home has main floor living & fully finished walkout LL. $399,900
843 Headley Ct.
Very cute and clean townhouse. Nicely updated and ready to move in. Fantastic starter home Scott Pam at a great price with quick close Douville Gillespie possible. $98,900 507-581-9820 507-645-1181
OPEN SUNDAY 1-3
PRICE REDUCED
1706 McKinley Dr.
Great 3 BR, 2 bath split with main level family room. Large deck overlooks secluded, fenced backyard. Wet bar in Paul LL. $194,900. Hosted by Diana Smith Ignacio 612-685-0605
D L O
S
OPEN SUNDAY 12:30-1:30
9 Park Drive
Beautiful hardwood floors with room for a baby grand in the L shaped LR/DR. Located near the golf course, pool, and Sibley Pat school. 3 BR’s on one floor. Johnson Come take a look! $159,900 507-271-1656
OPEN SUNDAY 1:30-2:30
714 Bluff Dr. - Lonsdale
Amazing Bargain! Bank owned Home! 2,300 square feet. Full Walkout! Only $204,500. Many others to choose from under 250K. Paul & Juliette
Pete Mergens 612-741-4257
507-202-2378
OPEN SUNDAY 1:45-2:45
Stop by to see this “Top of the Line� townhome. Cherry cabinets, hardwood floors & more. Pond views! $284,900
Pat Johnson 507-271-1656
OPEN SUNDAY 3-4
1617 Cannon Valley Dr.
Excellent value! Single level townhome with pond view. 2 bedroom, 2 bath, also features Pete a spacious design and a Mergens sunroom. $179,900 612-741-4257
Beautiful 5 BR, 2 story walkout. 100’ shoreline on Union Lake. 1 acre of woods. Over 3,000 sq. ft. Hwy. 19 to Bagley. S. to 90th. $399,900
Sonja Freeland 507-202-2378
OPEN SUNDAY 3-4
Paul & Juliette Reiland 952-292-5999
D
Incredible opportunity! 4 BR, 3 bath rambler. Nestled on 35 wooded acres. 48x96 outbuilding. A truly spectacular property! $799,900
13561 Fox Lake Trail
612-741-4257
Pat Johnson 507-271-1656
OPEN SUNDAY 4:15-5:15
6 car garage, with 4 stalls heated. Excellent condition . Custom built with central vac. 4 season porch, fireplace, Paul & Juliette walkout. So much to see. Reiland Only $249,900 952-292-5999
701 Quie Lane
1817 Estate Lane
604 Primrose
Perfect 10! 4 BR’s upstairs, 2 staircases, walk-out, large private yard on golf course. Beautiful landscaping. Only Paul & Juliette Reiland $479,900
Pete Mergens 612-741-4257
Incredible opportunity! 190’+ feet of lake shore with spectacular views. Build your own dream home or enjoy as is. Pete $129,900 Mergens
Beautifully decorated townhome in move in condition. Close to the high school and senior center. True all on one floor living. $159,900
2015 Grant Dr.
High quality home in Dennison. Location near Liberty Park. Built in 2005. Amazing price at 279K.
952-292-5999
NEW LISTING
NEW LISTING
1704 Washington Street
9040 Baker Ave.
1303 Presidential Dr.
2000 Lake Dr.
L O S
1011 Lonsdale Blvd.
Why rent? This well maintained 2 BR home has been nicely updated and priced for today’s market. $159,900
New listing! 4 BR, 2 bath, 3 car garage. Over 2,000 FSF. Built in 2004. Like new Condition. Hwy. 19 to 8th Ave. N.E. Sonja Freeland $164,900
PRICE REDUCED
Reiland 952-292-5999
300 9th Street W
609 11th Ave. N.E. Lonsdale
525 Gooseberry Ln - Dundas
Elegant, affordable and carefree living. Rare 3 BR, 3 BA townhome in like new condition. Great location - just Suzanne minutes from shopping in Terry peaceful rural area. $155,900 507-210-0740
27720 Denmark Ave. W.
Well kept rambler on 1.45 acres in Castle Rock Township with a 30x40 storage shed. Beautiful setting surrounded by many Linda trees. See the video on my Thielbar website. $234,000 952-826-9459
PRICE REDUCED
D
L O S
519 Miller Dr., Dundas
811 Mayflower Traditional? Contemporary? Electric? Sweet home “either way...and lots of space for all of your treasures. Gracious living at it’s best. $494,000
Pat Johnson 507-271-1656
Very well built 4 BR, 2 bath split entry in desirable neighborhood. Over 300 S.F. deck ready for entertaining. $189,900
Paul Smith 612-685-0605
Nestled in the woods, this well maintained home sits on a large private lot. Main floor LR & Fr, 3 BR, 3 car garage and more! $314,900
D
L O S
14921 Utah
1140 Woodland Trail
1101 Elm St.
Pam Gillespie 507-645-1181
Business Hours: Monday thru Thurs. 8:30 a.m. - 6 p.m. Friday 8:30 a.m. -5 p.m. Saturday 9 a.m. - 4 p.m. OPEN SUNDAY 11 a.m. - 3 p.m.
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www.northfieldnews.com Saturday-Sunday, October 18-19, 2008
Sugar maple: The king of the shade trees
—Leif Knecht is the ownPhoto courtesy of Knechts er of Knecht Nurseries & The sugar maple, shown here in full fall color, can be an asset to your home landscaping. Landscaping.
New EPA regulations make remodeling more lead-safe Those who live in a home built before 1978 may be exposed to lead. Common renovation activities like sanding, drilling and demolition can distribute harmful lead dust and chips, creating a hazardous environment for homeowners. To protect against this risk, the U.S. Environmental Protection Agency has issued a rule requiring the use of more stringent lead-safe practices aimed at preventing lead poisoning. Under the new rule, beginning in April 2010, contractors performing renovation, repair and painting projects that disturb lead-based paint in homes, child care facilities, and schools built before 1978 must be certified and must follow specific work practices to prevent lead contamination. “When you’re doing remodeling of a home built pre-1978 there is an awful amount of lead dust that gets released into the air — if you don’t take the proper precautions,” said Michael Hydeck, CR, CKBR, vice president of the National Association of the Remodeling Industry and owner of Hydeck & MacKay Builders in Telford, Pa. “This is particularly dangerous for children under six years of age and pregnant women, but it’s also not good for the worker.” Lead is a toxic metal that was used for many years in products found in and around our homes. Lead may cause a range of health effects, from behavioral problems
and learning disabilities, to seizures and death. The EPA has encouraged lead-safe practices for many years, but the new regulations give remodelers and homeowners a higher standard to which to refer. According to the new rules, contractors working on homes built before 1978 will have to have a certified lead remodeler on staff. To minimize the spread of lead dust, workers should mist areas before sanding, scraping or drilling and cutting; score paint before separating it from surfaces and pry and pull it away instead of hammering; and always use a shroud with a HEPA vacuum attachment when using power tools and equipment. Leaving the work area clean is of utmost importance. To do this, remodelers will remove waste using heavy plastic bags or sheeting, ensure everything is free of dust before removing it from the work area and cleaning with a HEPA vacuum. Changing out of dusty work clothes also helps to reduce the spread of potentially harmful dust. “It’s the stuff that you can’t see that can hurt you,” Hydeck noted. In addition, remodelers will be required to give each homeowner a pamphlet called, “Renovate Right: Important Lead Hazard Information for Families, Child Care Providers and Schools,” which includes sheet in it for the homeowner to sign that acknowledges that they have read it.
2
In these turbulent economic times, adding solid proven winners to your financial assets is said to be a wise strategy. For many of us, our house is one of our biggest assets, and lately, values have been declining. One way to preserve and increase the value of your property is to choose landscape plants that are high quality and have a proven track record. The fall of 2008 has shown once again that when it comes to trees in the landscape, there are very sound reasons why sugar maples have frequently been called the King of the Shade Trees. Also known as hard maple with the botanical name of “acer sacharrum,” sugar maples dominated the autumn explosion of leaf color this year with their wonderful mixture of yellow, orange and red color. Sugar maples have visually rich layering of color combinations that adds depth, complexity and a heightened sense of color intensity. While the top part of the tree gradually changes from green to yellow to orange
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root rotting. Avoid low areas where water ponds, and plant the tree higher than surrounding soil, so that during excessively rainy periods water will gradually drain away from the root ball. If you have an irrigation system, dial it down in the area of your new sugar maple and hand water the tree just enough to keep the root zone moist, but not waterlogged. Fertilize lightly in April and late June. Since Sugar maples have a very wide natural range across the North American continent, care should be taken to select varieties that do well in the upper Midwest. Of course, sugar maples from local wild seed sources are a good choice, but varieties that have proven themselves to be hardy and resist leaf tattering in strong winds are Majesty, Fall Fiesta and Green Mountain. If you want to have one of your trees turn color a bit later in the fall in order to extend the fall color season, try Green Mountain, which develops a nice round crown as it matures. Majesty and Fall Fiesta are slightly oval as they approach larger sizes. Plan for quality, plan for color, plan for patience as your sugar maple gradually becomes the King of your Shade Trees!
Each OfficE indEpEndEntly OwnEd & OpEratEd
8 Yard Notes Leif Knecht
and red, the lower and inner parts of the canopy change later, creating a foundation gold and green that is a perfect counterpoint for the most intensely colored parts of the crown. As with most of the best things in life, patience is required when it comes to growing a sugar maple into an impressive-sized specimen. Growth rates are moderate to slow in most situations, but most varieties of sugar maple develop good structure, have strong wood, are very hardy in our harsh Minnesota climate, and grow well in a fairly wide variety of soils – generally the middle range of soil texture. Avoid placing sugar maples in excessively sandy or gravely soil, poorly drained soils and compacted soils. Sugar maples are able to grow well in moderately acid soils to moderately alkaline soils. With the high degree of soil disturbance in modern housing developments, this makes sugar maples fairly versatile. Since soils in these developments very often become very compacted by machinery, extra effort should be made at planting time to dig a very wide hole, so plenty of area around the root ball is soil that has had the compactio0n largely eliminated. It is also important to keep sugar maples from becoming waterlogged and
Put in your 2¢ worth .
Chester Ave. Northfield 2.5 Acre lot. $89,900
Submit a column or letter to the opinion page.
402 Pondsview Dr. loNsdale 4 BR, 2.5 BA, New construction
$349,900
assist2sellmn.com 833-3333 or 331-3333
OPEN SATURDAY 12-2
OPEN SATURDAY 2-4
1700 Creek Lane $524,777
824 Heywood Road $279,000
Best Value! 31401 Northfield Blvd $214,900 OPEN SUNDAY 12-2
911 Spring St. S. $169,857
789 Heywood Rd. & 769 Heywood Rd.
2000 Lincoln St. S. $174,900 OPEN SUNDAY 2-4
1219 Washington Street $324,900
2410 Valley Drive $324,900
719 Aldrich Drive $349,900
PENDING! 2027 Lake Drive $279,897
704 Turnberry Lane $449,797
904 Superior Drive $349,268
Eric Frank, REALTOR
Mobile: 612.481.3802 • Office: 507.645.8625 eric.frank@traditionrealty.com www.traditionrealty.com
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Ask Our Broker: Answering your real estate questions By PETER G. MILLER CTW Features Q: I was told that if one extra payment were made for a 30-year loan, that loan would be paid off in 22 years while two payments would reduce the loan term to 15 years. Is there any truth in this? I currently have a $55,000 loan at 6.5 percent over 30 years. It looks like I’ll have to pay back $85,000. If I made one extra payment, how soon would it be paid off, and then if I made two payments extra, how would that benefit me? A: With a $55,000 fixed rate loan at 6.5 percent interest over 30 years you Miller pay $347.64 per month for principal and interest. If the loan is held to maturity you will pay $70,150 in interest over 30 years in addition to $55,000 principal amount If you make one extra payment at the start of the loan term you
are really borrowing $54,652.36 ($55,000 less $347.64). With the same monthly payment, the loan will be repaid in 353 months instead of 360 months. If you made the equivalent of two extra payments up front, the loan balance would be reduced to $54,304.72 ($55,000 less $347.64 x 2). In this case the loan term would fall to 346 months – meaning the loan’s length would be reduced by more than a year. As you pay more money up front there is less principal and a smaller monthly interest cost. Since the monthly payment cost is fixed the loan will be paid off quicker with prepayments. With an adjustable-rate mortgage the result might be different. You could have a lower monthly cost, or if interest rates rose your monthly payment could increase despite prepayments and the loan term would not be reduced. Q: We bought a property that was zoned residential and later changed to commercial/business by the county zoning board. When we acquired the property, we had no trouble with a resi-
dential mortgage. Then we tried to get a new mortgage and could only get a 20-year commercial loan, which is a monthly ARM. We pay a set amount each month that pays extra principal. Although we have not suffered because of interest rates, we have tried numerous times to get a fixed rate. Because the bank appraisers find the commercial zoning, we are turned down. We pay residential taxes and have never had a business on the property. One bank explained that because of the zoning there is always a chance we may start a business. Is there anything that can be done about this or should we just keep what we have. A: There’s good news here. First, you have a 20-year mortgage that you’re prepaying. This means your loan will be paid off in less than 20 years, your debt is declining each month and mortgage payments are not a credit issue. Second, the highest and best use of your property is likely to
CHANGE OF HEART
SOUTH METRO
BY RICH NORRIS
ICE
OPEN Sunday 1-3
PR
1114 Greenvale Avenue W
NE
W
$87,900
MLS#3607000
Reduced – Great Buy! 2BR condo with garage, balcony and all appliances! Stop by to see this exceptional home!
NE
W
PR
ICE
OPEN Sunday 1-3 415 College Street $170,000 MLS#3525267
REDUCED TO SELL IMMEDIATELY! Walk to Central Park & Downtown. 3BR home, hardwood flrs, dining room & newer kitchen.
OPEN Sunday 1-3
2125 Lonsdale Boulevard W
$314,900 MLS#3548790
Dreaming of a white picket fence… Now is the time! Lovely 1 ½ story home, 2-car garage and huge pole building – 4.89 Acres – New Septic. Seeing is believing!
OPEN Sat & Sun 1-5 2105 Ontario Circle $199,800 MLS#3575322
Main Level Living in an award winning Cottage Home. Newly Constructed with an open floor plan. Energy Star Certified.
NEW LISTINGS & NEW PRICES!
TIN
G
ATTRACTIVE COURTYARD UNIT
LIS
1000 Cannon Valley Drive #141
W
$159,900
NE
MLS#3607629
One-Level condo building which offers many amenities: large common room with library & kitchen, guest rooms, free laundry, shop, whirlpool, raised gardens & courtyard.
PR ICE
PRICE REDUCED $30,000
10638 First Timberlane Drive
NE
W
$349,900 MLS#3544770
Only Job Relo makes this house available! Stunning House in the Woods. Beautiful views, lots of light and tons of upgrades!
NE
W
PR ICE
SPACIOUS YARD 1111 Spring Street S $174,900 MLS#3573100
Three bedroom, two bath rambler, two car garage… all in walking distance to downtown. Mature trees. Call for a private showing!
1080 Highway 3 South Northfield, MN 55057
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cluded from taxation if single, up to $500,000 if married. For specifics, please see IRS Publication 523, Selling Your Home. Q: I want to buy a house and rent out some rooms to offset the rent. Will lenders go for this? A: There are some programs that will allow the use of rent from boarders – but only if the boarders are related. The problem for lenders is that they have no way to know if income from boarders will actually come through. That puts them in the position of looking at a loan application from someone who cannot afford the monthly payments. That’s uncomfortable for lenders, and not without reason. © CTW Features
Q: My wife and I purchased a home and paid cash for it. We were both wondering about the capital-gains tax exemption when we sell. We should profit about $100,000. Since we file jointNeed real estate advice? Peter ly, would we owe any tax on G. Miller, author of “The Comthe profit? mon-Sense Mortgage,” would like to hear from you. Send your A: The basic rule is this: If you questions to peter@ctwfeatures. have resided in the property for two of the past five years then up com. Due to the volume received, to $250,000 in sale profits are ex- not all letters may be answered.
The New York Times Crossword Puzzle
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be commercial and not residential. You may well have a property that has increased significantly in value because of the revised zoning, so ask local brokers about the sale and lease pricing of your property. As to a new loan, speak with local lenders and ask this question: If you agreed in writing to use the property only as a residence during the loan term could you then get a fixed-rate mortgage? Make sure you’re allowed to have a home office, but not allowed to have a sign out front or to lease the property for commercial purposes while the loan is outstanding.
Edited by Will Shortz
A c r oss 1 Sudden increase 6 Jacks, e.g. 10 Wallop 14 Fancy footwear 19 Up in the air 20 Object of a mil. search 21 Deserve special perks, say 22 Georges who wrote “Life: A User’s Manual” 23 Low-budget films about hearty European meals? 26 Even things 27 Conductor ___-Pekka Salonen 28 Page with views 29 Organ repair sites, briefly 30 Some crew members 32 Hip-hop’s ___ Kim 33 Where hermit painters retire? 36 “Impossible” response to the question “Are you sleeping?” 39 “I’m not quite done yet” 41 Bone: Prefix 42 Biography of Odin, e.g.? 46 Traffic directors 50 Say without saying? 51 One to one, e.g. 52 Bring (in) abundantly 54 Pinza of “South Pacific” 55 Bones that support tibiae 56 German beef? 58 Family dinner 62 Eva’s half sister? 63 Fingered 64 Zinger 66 Say A is not A, say 67 College cohorts 69 Place to go for kitchenware? 73 Ivory or Coast 75 Grp. that includes Canada and Colombia 76 Hardware fastener 77 It’s taken by some coll. seniors 80 It may be stroked 81 Used 84 A little extra burnishing, maybe, in brief 85 E.R. part: Abbr. 86 Ltr. holders 88 Picard’s counselor on “Star Trek: T.N.G.” 89 Narrow inlet 91 Supermarket section 92 Recital list 95 How beatniks raise kids? 99 Decide to take part 101 Make more tempting, as a deal 102 Worked (up) 103 Étagère with a single tiny shelf? 108 Be in a cast 109 Frequent drivers 110 Butt 111 Protester 112 Semi-attached compartment? 115 Stash
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38 City NW of Minneapolis 40 Lepidopterous movie monster 43 Moves quietly 44 Once around 45 Hardest to get 47 13-time Gold Glovewinning shortstop 48 Learned 49 In order (to) 53 Sharp scolding 56 Something very tough 57 Cover in a layer 59 “How can ___?” 60 Ceylon’s capital? 61 French pronoun 65 Soothe, in a way, as a burn 68 “American Pie” songwriter 70 Queue before Q 71 Banker’s worry 72 Ready to run later 73 When repeated, “Out of the way!” 74 Latin lambs 78 Raptor’s roost 79 Date not marked on a calendar?
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82 Circular gasket 83 Inundate 87 With no adverse consequences 90 Old TV’s “___ Three Lives” 91 Numbers, at times 93 Subject of a 2004 F.D.A. dietary supplement ban 94 Disturbance 96 Missouri feeder 97 Done 98 Straight: Prefix 100 Marching smartly 103 Archaic Irish script 104 Hanger? 105 Kenyan grazer 106 Deep-six 107 1970s-’80s supermodel 111 “So be it” 112 Family head 113 Over 114 Celebration time, for short 117 Grp. with a co-pay 118 High ball 119 Noted war photo site, briefly 120 Reagan adviser Nofziger