The Real Estate Book of Georgia’s Lake Country: Lake Oconee & Lake Sinclair - Vol 23#11

GEORGIA’S LAKE COUNTRY: LAKE OCONEE, LAKE SINCLAIR

HOME & LIFESTYLE GUIDE Volume 23, Issue 11

Introducing

ECHO LANE AT CUSCOWILLA

A N E W P RO P E RT Y R E L E A S E !

See Page 26 For Additional Info/Photos To Advertise, Contact: MARK KLEIN TREBLakeArea@gmail.com

Jimmy Branan Cuscowilla Real Estate, LLC 706.347.1452 Cuscowilla.com

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GALE WEAVER c: 706.473.1366 GaleW777@gmail.com o: 706 467-3181

MAUREEN “MOE” GOLDEN

1060 Salem Walk Dr., Suite 2 Greensboro, GA 30642 706.705.4203

c: 815.557.0699 MaureenAGolden@gmail.com

GALE & MOE SELL Del Webb

®

GaleandMoe@gmail.com

G TIN LIS NEW

For additional photos Text: RBJXZMZ To: 52187

DEL WEBB MORNINGSIDE PLAN This 3 BD/3.5 BA home is designed for entertaining: Large Kitchen, Great Room, Dining Room, Informal dining areas, plus each of the 3 Bedrooms have their own Private Bathroom. This home boasts lots of storage: Walk-in Pantry, Walk-in Owner's suite closet & the 4 foot extended garage has a floored attic! All on a private wooded lot! $535,900

G TIN LIS NEW

For additional photos Text: RBJXNDY To: 52187

IF YOU LOVE THE OUTDOORS-YOU WILL LOVE THIS 3 BED, 3 BATH COPPER RIDGE WITH A LOFT The added expanded patio with pergola & gentle gurgling water feature with landscaping that preserves porch privacy make this a true delight. New roof in 2019. New HVAC system 2021! The loft floor plan is flexible: perfect for out of town guests, media room, crafts rooms, or the man cave. Office/library, extra cabinets in the laundry room, the garage has the extra 4 feet in length, upgraded tile, flooring and more. $499,900

G TIN LIS NEW

For additional photos Text: RBJXTSZ To: 52187

THE MUCH LOVED DEL WEBB MUIRFIELD MODEL! This Villa has 2 Bedrooms, 2 full Baths with Flex Room/Office, a large eat-in Kitchen and Sunroom. 5" plank hardwoods in main living area. Kitchen with upgraded granite countertops, appliances and cabinets, glass tile backsplash and pantry closet. 2 car garage with extra attic storage and Versa Lift. $329,900

WWW.DRAKEREALTY.COM

#

1 TEAM

AT THE LAKE

770.846.2700 • Office: 706.454.1621 W W W. K I M A N D L I N L O G A N . C O M | L a ke O c o n e e | L a ke S i n cl a i r nt ro

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$3,688,000 | Reynolds | #64796

$2,499,000| Cuscowilla | #64483

LUXURY, PRIVACY and LOCATION

CUSTOM DREAMBUILT 5BR HOME

TEXT: RBJMLVY TO: 52187

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$1,999,000 | Woods of Lk Oconee | #64775

$1,999,000 | Waters Edge | #64294

Builders Home with Sunrise Views

Exceptional 5BR in EQUESTRIAN S/D

TEXT: RBJVFKK TO: 52187

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$1,795,000 | Reynolds | #64434

$1,655,000 | Lake Sinclair | #64710

6BR with Big Water Views TEXT: RBJWFGM TO: 52187

Location! Luxury! Pool! Views!

TEXT: RBJYBBS TO: 52187

w w w. K i m a n d L i n L o g a n . c o m

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$1,625,000 | Reynolds | #64672 Remodeled 5BR Retreat

$1,459,000 | Harmony Bay | #64699 Exceptional 6BR, 6,000 sq ft

TEXT: RBJXTDY TO: 52187

TEXT: RBJXZBY TO: 52187

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$1,150,000 | Reynolds Ldg | #64509 Charming Immaculate 4BR Home

$1,050,000 | Reynolds Ldg | #64523 Pond View on Double Lot

TEXT: RBJWTRN TO: 52187

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$975,000 | Salem Plantation | #64645 Renovated AFrame on Private Cove

$950,000 | Sugar Creek | #64814 Open Floor Plan 3BR Cottage

TEXT: RBJXNYC TO: 52187 nt ro

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$919,000 | Horseshoe Bnd | #64156 WOW 3BR on Deep Water

$799,000 & $749,000 | Great Waters 1.39ac & 1.28ac LOTS

TEXT: RBJTDCG TO: 52187

TEXT: RBJQDJR TO: 52187

SCAN HERE

FOR MORE LISTINGS!

Relaxed Waterfront Living on the Shores of Lake Oconee Harbor Club’s award-winning community is where vibrant everyday meets relaxed, resort-style lakefront living.

Here, families can enjoy world-class amenities, 1111 Polo Circle, Greensboro, Georgia 30642 · 706.453.7855 · HarborClub.com all-season recreation and a warm, neighborly atmosphere.

SA L E S CE N T ER & MODEL HOM E OPE N DA I LY Estate Homes from the $800s Carriage Ridge homes from the $400s Heron Ridge homes from the $500s Homesites from $40,000 to $700,000

1111 Polo Circle, Greensboro, Georgia 30642 · 706.453.7855 · HarborClub

1111 Polo Circle, Greensboro, Georgia 30642 · 706.453.7855 · HarborClub.com

1120 Providence Loop - $497,038

The Azalea Plan in Enclave at Heron Ridge. Beautiful open concept. 3 BD|2 BA on main level. 1 BD 1 BA on upper level. INCENTIVE 10K ANY WAY YOU WANT IT

1020 SILVERTON DRIVE - $554,900

Like New! 4 BR|3 BA, Lots of storage, 3 Car Garage! Larger Homesite. Magnolia Plan in The Enclave at Heron Ridge

2431 CLUB DRIVE - $875,000

Noah C Plan by Green Park Homes. Level/wooded acre homesite. Ranch plan with 4BD/3.5BA plus bonus room. 3-car garage! High end finishes.

1060 PROVIDENCE LOOP - $509,785

The Magnolia Plan in Enclave at Heron Ridge. Lawn Maitenance included in fees. INCENTIVE: 10K ANY WAY YOU WANT IT!

1661 CLUB DRIVE - $789,000

3 Years Young on an acre! 4-bed | 3.5 bath + bonus room!

Screened in porch fireplace.

1051 MIRA VISTA COVE - $597,600

The Oconee Plan by Waterford Homes in the Club Cottage neighborhood.

3 BD|3 BA w/golf cart garage. Open concept plan with cathedral ceiling.

WATERFORD HOMES • GREEN PARK HOMES • SOUTHVINE HOMES New homes under construction from the mid 500s.

R E L A X E D LU X U RY GOLF | L A K E | LI FE ST Y L E All information is believed to be accurate but not warranted.

706-453-9243 | www.luxurylakeoconee.com @LuxuryLakeOconee

TEXT: RBJYSYS TO: 52187 REYNOLDS LAKE OCONEE / $5,350,000 Stunning Like-New Lakefront Home Epitomizes Quality & Luxury Living RIEZL BAKER 706-347-2625

TEXT: RBJTRGQ TO: 52187 REYNOLDS LAKE OCONEE / $4,095,000 Remarkable Lake House Retreat w/ Gorgeous Backyard at Horseshoe Bend!

RIEZL BAKER 706-347-2625

TEXT: RBJWWTT TO: 52187 RICHLAND $3,950,000 Experience Tranquility and Luxury Lake Living with this Extraordinary Custom Log Cabin RIEZL BAKER 706-347-2625

TEXT: RBJYJFH TO: 52187 REYNOLDS LAKE OCONEE / $3,900,000 Spectacular Lakefront Oasis On A Point Lot with Unrivaled Views RIEZL BAKER 706-347-2625

TEXT: RBJYNMJ TO: 52187 REYNOLDS LAKE OCONEE / $3,895,000 Luxury Home w/Undoubtedly the Best Lake and Golf Views and Setting!

RIEZL BAKER 706-347-2625

TEXT: RBJXMTS TO: 52187 CUSCOWILLA $3,595,000 Recently Remodeled Lakefront Masterpiece, Where Luxury & Comfort Blend Seamlessly RIEZL BAKER 706-347-2625

TEXT: RBJYNCH TO: 52187 REYNOLDS LAKE OCONEE / $3,595,000 Prepare to be wowed by this lakefront home that was recently renovated top to bottom BETTY McHAN 770-841-5009

TEXT: RBJXRDZ TO: 52187 REYNOLDS LAKE OCONEE / $2,550,000 Welcome to Luxury Living in this Beautiful New Construction Home with Pool RIEZL BAKER 706-347-2625

TEXT: RBJYMSD TO: 52187 REYNOLDS LAKE OCONEE / $2,395,000 Brand-new, Custom-built, Dream Golf Home with Heated Pool RIEZL BAKER 706-347-2625

Visit www.luxurylakeoconee.com to view these listings and more!

1030 GREYFIELD ROAD / RICHLAND

5 Bedroom / 6 Bath, 1 Half Bath / 7,973 SqFt / Extraordinary Custom Log Cabin / $3,950,000 Experience tranquility and luxury lake living with this extraordinary custom log cabin by the lake, evoking cherished childhood memories.

With unprecedented 420 ft of water frontage at Lake Oconee, big water & sunset views. This masterpiece sits on an acre of prime lakefront. Minutes by boat to the Ritz Carlton and Homestead, this home boasts over 7,900 heated and cooled sq ft and over 11,000 sq ft under roof including spacious porches. The functional floor plan is spread out on three levels, all accessible by elevator. Perfect for large families and entertaining, this fantastic home is also ideal for corporate retreats. The stunning grounds feature a koi pond, spacious outdoor deck and expansive patios, picturesque pool, gorgeous gardens, and sitting areas along the water.

The main level is open with wooden beams crafted from imported logs, and a spacious great room with masonry fireplace. The large kitchen is a Chef ’s dream while the master suite is a work of art. This is more than an extraordinary log cabin – it’s a retreat into timeless luxury!

RIEZL BAKER LUXURY LAKE OCONEE REAL ESTATE GROUP 706-347-2625 www.luxurylakeoconee.com MP@LuxuryLakeOconee

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JIM LINNEY

Hardworking. Knowledgeable. Trustworthy. ...why would you go anywhere else?

• 2022 CB President’s Elite Award - Top 2% in the World • Lifetime Million Dollar Club Member jlinney@cblakeoconee.com 706.817.0608 • 706.467.3181

TEXT: RBJKZCW TO: 52187 REYNOLDS - GREAT WATERS

Come see this very unique property and home designed to maximize the lake views. Open floor plan, Professional landscaping and Max dock. Amazing Views from this 1.6 acre private setting (2 lots). New updates just finished. Golf Membership Available. NEW PRICE - $2,750,000

TEXT: RBJMCNM TO: 52187 THE LANDING - REYNOLDS

This lakefront property offers over 300 ft. of waterfront and an elevated acre homesite that is close to everything. This beautiful home has it all - location, privacy, open floor plan, meticulous condition, and outstanding workmanship. Golf Membership Available. NEW PRICE - $1,850,000

TEXT: RBJXLFM TO: 52187 THE LANDING - REYNOLDS

Enjoy the Big Lake Views as you enter this beautiful 4 BD/4 BA home. Nicely updated and contemporary design capture the beauty of Lake Oconee.

You must see this home to appreciate the quality and workmanship on the inside and to experience the unbelievable views. $1,999,995 NEW PRICE!

TEXT: RBJTVCL TO: 52187 PARKSIDE COMMONS

TEXT: RBJYNZV TO: 52187 REYNOLDS LAKE OCONEE

Recently updated building that offers a lower level office area and Enjoy your beautiful pond views and private setting. Lowest priced completely remodeled one bedroom loft upstairs. $599,000 single family home in Reynolds with much to offer. $489,000

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FALL IN LOVE

... with a new home

Find the home of your dreams this autumn by enlisting a professional real estate agent found in The Real Estate Book.

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266 W. Washington St Madison, GA 30650 706-342-3355 BrecoRealty.com BrecoBenton.com COMING SOON!

S O L D!

COMING SOON!! Bethlehem - 4BD/2BA Single Story with ONE OF ONE! Own one of the prettiest tracts on Lake Sunroom. Contact us for more information: Oconee! This private point lot in Grayson Pointe has over Scarlet Torok and Ann Bell 404-456-8333 1850 ft of deep-water frontage. Text: RBJVKKL $1,500,000 Jack Bone 706-474-8222

AWESOME AND TRULY A ONE-OF-A-KIND! 3 BD/2BA home in Greene County w/beautiful views of Lake Oconee. Renovated Kitchen,''Outdoor Oasis'' and near boat ramp. Textcode: RBJYWBC $439,000 Robin Bone 706-474-8223

BEAUTIFUL HOME IN HISTORIC COVINGTON! The amazing ceilings, original pine hardwood flooring & extensive woodwork in this 3 BD/2BA circa 1905 beauty must be seen. Text: RBJXCMJ $379,900 Melissa Hawkins 706-474-7289

COMMERCE ROAD INDUSTRIAL PARK Commercial Lots Available Priced from $315,000 - $525,000. City Water/ Septic, City Limits, C5 Heavy Commercial Zoning, Madison Jack Bone 706-474-8222

ONE OF MADISON'S MOST DESIRED LOCATIONS! All one level living space & walking distance to schools & downtown. Mature landscaping on .55/acre, corner lot. Text: RBJYWRC $395,000 Chadwick Lord 706-614-7632

Contact Me: 706.342.5672

joeyeidson@gmail.com www.BrecoBenton.com

Call us for all of your auction needs!

Jack Bone 706-474-8222

Contact us if you have any properties you are interested in auctioning!

For additional property photos/info TEXT the codes above to 52187

5

EYE-CATCHING WAYS TO UPDATE YOUR HOME Your home is a reflection of you, and your decor should match your tastes. With some simple home upgrades, you can create the perfect space for you and your family, even if your design preferences change over time.

1 2 3 4 5

Consider these ideas to get started:

ADD A FRESH COAT OF PAINT One of the easiest home improvement projects, a fresh coat of paint can change the entire look of a room. Whether you choose to paint the entire space one new color, opt for an accent wall in a vibrant shade or simply freshen up the trim, paint can go a long way toward adding visual appeal and reflecting your personality. Patterned wallpaper, board and batten, stone and tile can also be added to create textured accents.

BRING WARMTH AND AMBIENCE WITH A FIREPLACE More than 3 in 5 homeowners have a fireplace or other hearth product in their homes, according to the HPBA, and including a fireplace in your construction or renovation plans is a gift of warmth, comfort and ambiance you can give yourself. Whether it’s a centerpiece for your living room or family room, or an accent to your bedroom, bathroom or study, a fireplace can provide an artful design element for your home and a safe, reliable heat source in the event of unexpected weather.

UPDATE LIGHTING FIXTURES Proper lighting can bring rooms to life and make spaces look larger and more welcoming. You can brighten up your home in a variety of ways, from strategically placing table and floor lamps that fit your design style to replacing older ceiling and wall-mounted fixtures with more modern styles.

GIVE CABINETS A FRESH LOOK There are numerous easy ways to update your kitchen and bathroom cabinets to create a more updated look. One of the easiest is swapping out older cabinet pulls and knobs for more modern options. With a variety of finishes – stainless, bronze, brushed nickel, black, copper and more – and styles available, you can match your cabinets to nearly any design style in a matter of minutes. Adding a coat of stain or paint is also a relatively quick and easy way to update some of the most-used spaces in your home without completely replacing the cabinets.

UPCYCLE FURNITURE You can breathe new life into your current furniture by making simple changes. The easiest would be simply rearranging your pieces and moving some to different rooms to create an updated look. You can also add decorative covers to sofas, chairs, throw pillows and more, or take your upcycling a step further and refinish a bookshelf, table o r other wooden furniture with a fresh coat of paint or stain, or give it a more weathered look with some sandpaper.

Reprinted with permission from RISMedia. ©2023. All rights reserved.

L U X U R Y

P R O P E R T I E S

THE LANDING

C O U N T R Y

REYNOLDS LAKE OCONEE

L A K E

OCONEE

ASSOCIATE BROKER

239.571.5050 | OFFICE: 706.995.7500

JoeyBurch@ansleyre.com

L U X U RY I N

L U X U R Y

P R O P E R T I E S

CUSCOWILLA

G R E AT W AT E R S

S P E C I A L I Z I N G

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706.473.0990 | 706.749.3331

LAKEOCONEEEXPERTS.COM • LAKEOCONEE@KW.COM

Text: RBJXLSL To: 52187

ENJOY MAIN LAKE BIG WATER VIEWS 3 BD, 2.5 BA Brick Ranch on Lake Oconee. Features Include a Newly Remodeled Kitchen w/Breakfast Area, Living Room has access to a Lrg. Lakeside Covered Deck, Master on Main, Additional Bedrooms and Rec Room on Terrace Level w/Patio. Two Car Attached + Two Car Detached Garages, Max Dock, 150 ft. Seawall, New Boat Lift, 2nd Boat Lift, Jet Ski Lift + 5.5 Ft of Water Depth MLS#10199156 $1,275,000

Text: RBJMQSV To: 52187

CHARMING LAKE ACCESS HOME IN REYNOLDS LAKE OCONEE 4 Bedrooms, 3 Full Baths and 2 Half Baths. New Exterior Paint, Up-Graded HVAC, Flooring, Stone Columns at Patio and Landscaping.

Great Open Floor Plan with 4272 sqft, Large Kitchen w/Keeping Room, Master On Main, Must See Lrg. Screened Porch. Terrace Level w/Family Rm, Wet Bar, Storage Rm and Covered Patio. Nice easy path to Lake Access Area & Dock. Golf Membership Available.

MLS#10132385 $998,500

PENDING! Text: RBJVVST To: 52187

FANTASTIC COTTAGE OVERLOOKING THE 11TH HOLE OF THE LANDING COURSE IN REYNOLDS LANDING Located just across the street from the Pool & Playground. It's Exceptionally Well Maintained and in Great Condition. Offering Open Floor Plan, Spacious Kitchen & Dining Area, Great Room w/Fireplace, Wood/New Carpet/Tile Flooring, New Paint Inside and Out, New Hot Water Heater. Spacious Master and Great Storage. MLS#10185622 $650,000

Text: RBJNLBD To: 52187

Text: RBJNKZZ To: 52187

Text: RBJPKFM To: 52187

NEW GATED SUBDIVISION - OVERLOOK AT PEA RIDGE 10.31 AC EQUESTRIAN AND LAKE ACCESS LOT BEAUTIFUL 1.79 ACRE WOODED LAKE ACCESS LOT Lot 3 is 7.12 ac with 271.77 ft of Lake Frontage w/ This property is located at the New Gated Located in the Gated Community of Dock. The subdivision is situated on 118 acres with a Subdivision "Overlook At Pea Ridge".

Sailview at Lake Oconee. Great Building private 15 ac lake. Conveniently located between Lake Conveniently located between Lake Oconee Site and Convenient Location.

Oconee & Lake Sinclair! MLS#10138163 $134,500 & Lake Sinclair! MLS#10138177 $109,500 MLS#10143661 $50,000

SERIOUS ABOUT BUYING OR SELLING CALL (706)749-3331

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Lake Oconee Living Magazine Reader’s Choice 2012 Best Real Estate Agent

Alan Kent

Realtor® o: 706.485.0088

c: 770.361.7216 akent@bellsouth.net

Serving The Lake Country Since 1989

AlanKent.kwrealty.com E!

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TEXT: RBJMWRW TO: 52187

ESTATE SALE LAKEFRONT HOME ON LAKE SINCLAIR! 3BR 2 BA home on level main lake lot with good view and single stall boathouse plus boat ramp. Sold Furnished! $279,900 E

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TEXT: RBHMXBH TO: 52187 BEAUTIFUL HEAVILY WOODED 1.65 ACRE LOT ON LAKE SINCLAIR. GA Power has approved a double boathouse and Water depth is about 6'-9'. Good soil test on file. Community well. Holiday Shores subdv. Fee Simple. Great Lot! $139,900

REMODELED MODIFIED A-FRAME ON A MAIN LAKE LOT ON LAKE SINCLAIR! Vaulted Great Room with beams/ hardwood floors/ stone fireplace/ Dining area.

Kitchen with tile floor/tile backsplash/breakfast bar/granite counters. 5 BR/3 BA, finished daylight basement. Covered patio. .97 acre lot, seawall, double stall boat house w/2 lifts. $699,000

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BEAUTIFUL VICTORIAN RANCH HOME located in the heart of downtown Eatonton Historic District. 3BR 1.5 BA/Den/Kitchen w/Stainless Refrigerator/Range/Vent Hood. Antique claw foot tub in master bath w/walk in closet/laundry area. $280,000

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LAKEFRONT HOME WITH 280 FEET OF WATER FRONTAGE. Brick home with 5BR 3.5BA, finished basement, sunroom, 3 car garage plus carport, max slip dock with seawall and deep water. SOLD $950,000!

D!

OUR FAMILY DREAMS WILL BE MADE HERE! One of Lake Oconee's finest point lake lots on the Richland side of the lake near The RitzCarlton Lodge with deep water, max slip dock, masonry seawall. $799,900 Hurry!

The Lake Market Is HOT And We Need More Homes To Sell!!!

AKent@bellsouth.net • AlanKent.kwrealty.com

HOW TO SAVE UP FOR A DOWN PAYMENT Saving up for a down payment is one of the biggest challenges for aspiring first-time homebuyers. A typical down payment can range from 5 to 20 percent of a home’s purchase price–that’s no small chunk of change. Although it might seem overwhelming to rack up thousands of dollars, practicing some discipline and using the right tactics can help you pull it off, making it possible for you to go from renter to proud homeowner.

To help you save for a down payment, consider these tips from the American Bankers Association: Develop a Budget and Timeline. Start by determining how much you’ll need for a down payment. Create a budget and calculate how much you can realistically save each month–that’ll help you gauge when you’ll be ready to transition from renter to homeowner.

Establish a Separate Savings Account. Set up a separate savings account exclusively for your down payment, and make your monthly contributions automatic. By keeping this money separate, you’ll be less likely to tap into it when you’re tight on cash.

Shop Around to Reduce Major Monthly Expenses. It’s a good idea to check rates for your car insurance, renters insurance, health insurance, cable, internet and cellphone plan. There may be deals or promotions available that allow you to save hundreds of dollars by adjusting your contracts.

Monitor Your Spending. With online banking, keeping an eye on your spending is easier than ever. Track where most of your discretionary income is going. Identify areas where you could cut back (nice meals out, vacations, etc.) and instead put that money into savings.

Look Into State and Local Home-Buying Programs. Many states, counties and local governments operate programs for first-time homebuyers. Some programs offer housing discounts, while others provide down payment loans or grants.

Celebrate Savings Milestones. Saving enough for a down payment can be daunting. To avoid getting discouraged, break it up into smaller goals and reward yourself when you reach each one. If you need to save $30,000 total, consider treating yourself to a nice meal every $5,000 saved. This’ll help you stay motivated throughout the process.

Reprinted with permission from RISMedia. ©2023. All rights reserved.

UNION POINT

Located in a quiet well established neighborhood, this 3BR/2.5 BA brick home has an open great-room & kitchen. The kitchen was once owned by a caterer. The breakfast nook and sunroom have views of the in-ground pool, double layered decking, fenced in area & the alluring setting. This home is completed with a 2 car garage and a shed on 2+ acres. MLS#64217 $364,700

HARBOR CLUB

A Great Harbor Club lot with basement potential, pond frontage & view sits on .76 of an acre. The amenities include Gated entrance, Marina, Golf, Tennis, Pickle-ball, Pool & more.

Membership Available. MLS#63949 $53,500

Terri Thornton

o: 706-467-3181 c: 706-347-0117

tstthornton@aol.com territhornton.cblakeoconee.com

Your Hometown Realtor for Over 28 Years!

2800 Reynolds Walk Trail Greensboro, GA 30642

How Is Working With a Real Estate Agent Better THAN FINDING A HOME ON YOUR OWN?

Selling your home without an agent is often an appealing idea because you can forego the commission rates. The major downside, however, is you lose out on all the important qualities and experience an agent has when they do the work themselves. Here are four reasons why selecting a reputable, local real estate professional is beneficial for sellers:

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NEGOTIATION SKILLS Your real estate agent knows how to get the buyer to make the purchase as close to the asking price as possible. They do this work for a living, so agents understand the ins and outs of contract and price negotiations. Another factor is the market conditions—agents have to stay on top of changes, so they can make the most money on commissions. They know what items they can negotiate and what things are best to avoid.

NO EMOTIONAL CONNECTION One of the biggest things about hiring a professional that sellers find appealing is the fact that an agent is not biased.

They’re not connected to your property, so they see it at face value. Things like older home equipment, cracks in the sidewalk or areas that you can improve before the open house are more visible to the agent than the person who has lived in the home for years. With no emotional connection, the agent can make decisions that many homeowners are afraid of or unwilling to make.

ACCESSIBILITY Does your schedule afford you the time to talk with every person interested in your home? Probably not. Additionally, agents must accommodate the schedules of prospective buyers and show them your property when they’re available.

If you go the For Sale by Owner (FSBO) route, then you must handle screening buyers and scheduling showing times yourself.

LEGAL RESPONSIBILITY One thing most people do not realize when they choose to go the FSBO route is that they’re legally responsible for anything they don’t disclose to the buyer. Even inadvertent omissions can cause you to incur a lawsuit. Breach of contract may occur when the owner accidentally forgets to mention something hazardous about the property.

Property agents and brokers have insurance that covers them if they miss something a buyer finds a nuisance or danger after signing a home contract. You have nothing to protect you should you miss something.

Agents spend a lot of time and money earning their real estate license. Knowing the local market and laws is a necessary part of the business. If you’re not a legal professional, you could put yourself in danger of a lawsuit if you decide to sell your home on your own rather than hiring a professional to handle the process.

Meghan Belnap is a freelance writer who enjoys spending time with her family. She finds happiness in researching new topics that help expand her horizons. Looking to purchase a home? Belnap recommends working with Dee Evans, ABR. Reprinted with permission from RISMedia. ©2023. All rights reserved.

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What to Do If Your Mortgage Application Was Rejected

B

eing turned down for a mortgage can be devastating, but you may still be able to achieve your dream of owning a home. Your lender should provide you with a letter explaining why you were denied. You can use that information to make changes to improve your chance of getting approved for a mortgage in the future, either with the same lender or with a different company.

Boost Your Credit Score One of the most important factors in a lender’s decision is a mortgage applicant’s credit score. You should’ve checked your credit report for errors before you submitted your loan application, but if you didn’t, check it now. Lenders frequently misreport or fail to report information, and data from different people’s reports sometimes gets mixed up. Errors in your credit report may have caused your application to be rejected through no fault of your own.

If your credit score is low because of high credit card balances or missed or late payments, work on bringing it up by paying down your balances to lower the percentage of available credit you’re using and by paying all your bills on time. If you have a foreclosure or bankruptcy on your credit report, those derogatory remarks could affect your credit score and your chance of obtaining a mortgage for years.

You may need to let some time pass and work on rebuilding your credit before buying a house.

Lower Your DTI A lender looks closely at an applicant’s debt-to-income (DTI) ratio, or the percentage of gross monthly income that’s used to pay credit card bills and loans. If a lender rejected your application because your DTI is too high, you can lower it by paying down your debts and/or by increasing your income. If you have high loan payments, you might be able to lower them by refinancing.

Put More Money Down If you want to make a small down payment and borrow most of the money for your dream home, the lender may consider your application too risky. You might be better off finding more money for a down payment or applying for a mortgage through a lender that routinely offers loans to borrowers with small down payments.

Stick With Your Job Most lenders want a mortgage applicant to have been in the same job for at least two years. That helps the lender be confident that an applicant is capable of holding down a job and is likely to repay the mortgage. If you recently started a new position, focus on impressing your boss and building a stable work history.

Reprinted with permission from RISMedia. ©2023. All rights reserved.

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FEATURED PROPERTIES Check Out These Featured Properties Before They Are GONE! REYNOLDS LAKE OCONEE

$3,660,000

152 +/- ACRES

$1,520,000

Contact Kathy Daniel at (706)473-1707

Contact Kathy Daniel at (706)473-1707

AMAZING LAKE OCONEE LAKE ACCESS HOME in the very popular HORSESHOE BEND section. This gorgeous 5 BD, 5 1/2 BA home sits on a 1.20 acre lot with expansive lake views. This exquisite home has Subzero, Wolf, Cove and Bosch appliances, 3 fireplaces, pool, hot tub and assigned 24 hour boat slip. Golf membership available. A One of a Kind Home!

Text: RBJYTBY To: 52187 for Info & Photos Keller Williams Lake Oconee

Nestled within close proximity to Lake Oconee, this 150 acre fenced farm tract is the perfect blend to capture all Lake Oconee has to offer. It's the perfect home spot or equestrian estate. This property includes picturesque fenced pasture land, a 5000+sf barn, additional hay barn, dog kennel and a 2 acre pond. $1,520,000 Text: RBJYKPM To: 52187 for Info & Photos Keller Williams Lake Oconee

THUNDER VALLEY

$1,395,000

CUSCOWILLA

$640,000

Contact Kathy Daniel at (706)473-1707

Contact Kathy Daniel at (706)473-1707

Lakefront Home with 7 Bedrooms, 5.5 Baths, 3 Full Kitchens and a 6 Car Garage. Home is located on Large 1.07 Acre Lot. 4 Bedrooms and 3.5 Baths in Main Home with Additional 3 Bedrooms and 2 Baths above Garages. Large Yard with Additional Space for Future Expansion, Swimming Pool, Guest House, etc. Possible owner-financing available.

Text: RBJYPKM To: 52187 for Info & Photos Keller Williams Lake Oconee

Cuscowilla Condo at Lake Oconee! Come see this 3 BD, 3 BA condo at Soujourn with both golf and main lake views. This condo is on the main level with a great view of Lake Oconee from the primary bedroom, the living/dining/kitchen area and the covered porch! Move in ready and the seller is selling the condo with most furnishings and all appliances.

Text: RBJMKKW To: 52187 for Info & Photos Keller Williams Lake Oconee

To Advertise Contact:

MARK KLEIN

TREBLakeArea@gmail.com • (678) 428-0320 • TREBLakeArea.com

Page 26

Echo Lane at Cuscowilla Cuscowilla is proud to announce the opening of Echo Lane at Cuscowilla. This new release offers six select building lots that offer a variety of commanding Lake, Pond, Golf and Meadow views. These private lots are located on a quiet street with assigned boat slips and a Full Residential Golf Membership included in the price. Only a short golf cart ride to the Clubhouse and all the Cuscowilla amenities.

Priced from $550,000 to $625,000 Obtain the PrOPerty rePOrt required by Federal law and read it beFOre signing anything. nO Federal agency has judged the merits Or value, iF any, OF this PrOPerty. vOid where PrOhibited by law.

Cuscowilla Real Estate, LLC - Cuscowilla.com - 706-484-0055

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#1 Residential Golf Course in Georgia – Golfweek 2023

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126 SECOFFEE DRIVE - $650,000

134 SECOFFEE DRIVE - $625,000

Fully furnished golf cottage on #2 Tee. This 3 BR - 3 BA Cottage is located on a premium Lot. The Golf Cart and a $40,000 Golf Membership Credit are included in the price.

Like new and totally renovated. 2 BR/2 BA cottage w/ upgraded kitchen, renovated baths and new roof. $7,500 Cuscowilla Golf Membership credit is included in price.

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129 SPIRIT RUN - $429,000

137 HAWKS RIDGE - $259,000

Awesome Building Lot in the Woodlands with Huge Main Lake and Golf Views. $15,000 Golf Membership Credit.

Beautiful Level Lakeview Building Lot in Hawks Ridge.

Walking Distance to the Boat Docks.

TEXT: RBHSXCB TO: 52187

TEXT: RBHZMKY TO: 52187

124 Spirit Run - $300,000

103 INDIAN TRAIL - $199,000

Gently Sloping Golf Lot w/Views of #15 and #18.

Full Golf Membership Included.

Lake Access Lot Across the Street From the Common Boat Docks

www.Cuscowilla.com • (706) 484-0055

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HERE’S WHAT’S HOT

in Autumn Home Decor As summer gives way to shorter days and cooler evenings, there is a universal yen to cozy up, hunker down and look for comfy pieces and deeper hues for your home. Decorators offer a palette of ideas for doing a little autumn re-shuffling.

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BAUHAUS RETRO - Paying homage to the Bauhaus, a German design school that boomed during the 1920s, this warming look brings in geometric shapes and bold block color. Think bedroom and family room accents of royal blue, mustard yellow and slate gray hues for this contemporary update.

RAMP UP THE REDS - No colors in the spectrum are as warming as carmines, scarlets and crimsons as we head into cold nights. Go for a riot of red tones to turn up the heat in your bedroom. Mix plain and patterned designs in your decorative cushions and throw blankets.

BRING IN RUSTIC TOUCHES - Now’s the time to change out your sideboard and shelving displays, grouping together assortments of baskets, wooden pieces and rustic handcrafted trinkets. Plus, macrame is back, so bring out those hanging pots, too!

INTRODUCE TEXTURE - Like the return of macrame, styles from the ‘70s like rattan, cane and bamboo are making a comeback, but in a modern, minimalistic way, with curved shapes, tapered legs and clear, defined lines. Introducing these natural textures in a warming color palette will make a living or family room feel cozy.

TOP UP THE TABLEWARE - Fall is a good time to treat yourself to a new pottery teapot and more.

Bring in rough-hewn earthenware mugs and cereal bowls in warming earth tones. Simply add some hot chocolate or a hot stew and you’re good to go.

TRY A TWO-TONE EFFECT - To instantly warm up a bedroom or living room, paint one wall in a jeweltone fall color, such as warm caramel, loden green, a soothing blue, even ruby red or amethyst.

ENRICH WITH VELVET - This soft-to-the-touch material is the perfect fabric for curling up with or on, so if you don’t want to invest in a new sofa or chairs, just deck out the ones you have with velvet pillows to make an evening by the fireplace even more relaxing.

Reprinted with permission from RISMedia. ©2023. All rights reserved.

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Your Reynolds Lake Lake Oconee’s

#1 AGENT

For The Last DECADE! E NE CO EO K A L LDS NO REY

To See ALL Reynolds Resale Properties TEXT: LoveReynolds TO: 52187 E NE CO EO K A L LDS NO REY

A One of a Kind Lake Home. No Detail Inside or Out was Overlooked

A Special Waterfront Home on Incredibly Private Estate Lot

TEXT: RBJQFTZ TO: 52187

TEXT: RBJYDSS TO: 52187

E NE CO EO AK L LDS NO REY

LDS NO REY

E NE CO EO AK L LDS NO REY

24 Hour Lake Access Home on a Very Private 3 Acres

Impressive and Comfortable Lakefront Home on a Private Lot

TEXT: RBJWWLS TO: 52187

TEXT: RBJWHBW TO: 52187

E NE CO EO K LA

LDS NO REY

E NE CO EO K LA

Custom-Built Golf Home with Thoughtful Design and Unparalleled Craftsmanship

The Original Golf Magazine "Dream Home" w/Panoramic Golf Views

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Re ynoldsL akeOconeeResales.com

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Oconee Resale Expert

Brian Quinn

o: 706.467.3181 | c: 706.347.2368 brianaquinnrealtor@gmail.com 2800 Reynolds Walk Trail

Greensboro, GA 30642

E NE CO EO K A L LDS NO REY

E DG SE TER WA

Wonderfully and Thoroughly Updated Home on a Spectacular Waterfront Lot

Completely Renovated 5 BD/4.5 BA Lake Access Home

TEXT: RBJXZKT TO: 52187

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LDS NO REY S TER WA EAT R G

E NE CO EO AK L LDS NO REY

Great Opportunity for a Quality Home with Spectacular Golf Views

Wonderfull Building Lot in Parrott's Cove on Interior Pond

TEXT: RBJYMHD TO: 52187

TEXT: RBJXDYB TO: 52187

TO SEE ALL REYNOLDS RESALES PROPERTIES VISIT:

REYNOLDSLAKEOCONEERESALES.COM THE ONLY REAL ESTATE SEARCH ENGINE YOU NEED

Re ynoldsL akeOconeeResales.com

Who You Who You Work With Matters Work With Matters Jennifer Vaughan Jennifer Vaughan Jennifer Vaughan Who You

Work With Matters WORK WITH A TRUSTED ADVISOR AT LAKE OCONEE WORK WITH A TRUSTED TRUSTED ADVISOR AT WORK WITH A ADVISOR ATLAKE LAKEOCONEE OCONEE C. 706.431.0678 | O. 706.995.7500 | JV@ANSLEYRE.COM C. 706.431.0678 | O. 706.995.7500 | JV@ANSLEYRE.COM

C. 706.431.0678 | O. 706.995.7500 | JV@ANSLEYRE.COM

ANSLEYRE.COM | 1394 S. MILLEDGE AVENUE ATHENS GA 30605 ANSLEYRE.COM | 1394 S. MILLEDGE AVENUE ATHENS GA 30605

ANSLEYRE.COM | 1394 S. MILLEDGE AVENUE ATHENS GA 30605 Equal housing opportunity. If you have an existing brokerage relationship, this is not intended as a solicitation. All data believed to be accurate but not warranted.

Equal housing opportunity. If you have an existing brokerage relationship, this is not intended as a solicitation. All data believed to be accurate but not warranted.

Equal housing opportunity. If you have an existing brokerage relationship, this is not intended as a solicitation. All data believed to be accurate but not warranted.

Jennifer Vaughan

Jennifer Vaughan

WORK WITH A TRUSTED ADVISOR AT LAKE OCONEE C. 706.431.0678 | O. 706.995.7500 | JV@ANSLEYRE.COM

WORK WITH A TRUSTED ADVISOR AT LAKE OCONEE

ANSLEYRE.COM | 1394 S. MILLEDGE AVENUE ATHENS GA 30605

C. 706.431.0678 | O. 706.995.7500 | JV@ANSLEYRE.COM

REYNOLDS LAKE OCONEE - $3,325,000 Exquisite Lakeside Paradise in Horseshoe Bend Area

REYNOLDS LAKE OCONEE - $1,489,000 Parrotts Pointe 4 BD, 4.5 BA Home on 2 acre Private Lot

ANSLEYRE.COM | 1394 S. MILLEDGE AVENUE ATHENS GA 30605

REYNOLDS LAKE OCONEE - $1,825,000 Skip the Lottery and Start Building Right Away

Equal housing opportunity. If you have an existing brokerage relationship, this is not intended as a solicitation. All data believed to be accurate but not warranted.

Equal housing opportunity. If you have an existing brokerage relationship, this is not intended as a solicitation. All data believed to be accurate but not warranted.

HARBOR CLUB - $789,900 LAKE SINCLAIR - $1,200,000 WOODS OF LAKE OCONEE - $1,580,000 Stunning 3 BD, 3.5 BA Home with Golf Views Endless Main Lake Views from this Luxurious Condo Your Own Private Oasis & Equestrian Estate

Jennifer Vaughan

WORK WITH A TRUSTED ADVISOR AT LAKE OCONEE C. 706.431.0678 | O. 706.995.7500 | JV@ANSLEYRE.COM EATONTON HISTORIC DISTRICT - $749,900 The Historic Ezell House! Built in 1887, a True Treasure

REYNOLDS LAKE OCONEE|- $649,900 LAKE SINCLAIR - $1,445,000 ANSLEYRE.COM 1394 S. MILLEDGE AVENUE ATHENS GA 30605 Build Your Private Paradise in Desirable Richland Pointe Enjoy the Best of Lake Life in this 5 BD/5 BA Home Equal housing opportunity. If you have an existing brokerage relationship, this is not intended as a solicitation. All data believed to be accurate but not warranted.

HARBOR CLUB - $69,900 REYNOLDS LAKE OCONEE - $879,900 Madison GA Investment Opportunity - $2,200,000 Build Your Dream Home Overlooking Pond Magnificent 4-acre Property Offers Unparalleled Privacy 25,000 Sqft Warehouse & Acreage on Hwy 441