LISTING OF THE WEEK
Designer finishes The Listing of the Week, with designer finishes and high-end features, is in Mustang’s Hunters Glen addition. PAGE 4F
HOUSE PLAN
Versatile home The ranch-style Oak Hill, all on one level, is equally well suited for raising children and aging in place. PAGE 4F
REAL ESTATE
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THE OKLAHOMAN | NEWSOK.COM
SATURDAY, JULY 7, 2012
Kenneth Harney THE NATION’S HOUSING
RULES DROPPED In a policy switch that could be important to thousands of applicants seeking low-down-payment home mortgages, the Federal Housing Administration rescinded tough new credit restrictions that had been scheduled to take effect July 1. PAGE 3F
IN BRIEF MULCH, WEED PREVENTER COMBINED
Melissa Miller takes her twins, Jackson and Harper, for a stroll in south Oklahoma City’s Talavera neighborhood. PHOTOS BY DAVID MCDANIEL, THE OKLAHOMAN
BILLBOARD FEATURING 5 MOMS PUSHING STROLLERS DRAWS ATTENTION TO SOUTH OKC’S TALAVERA NEIGHBORHOOD
‘Real Homeowners’ turn heads BY DYRINDA TYSON For The Oklahoman dyrinda@gmail.com
Hollywood, the networks, cable TV — they just think they know neighborhoods and their women. “The Real Housewives of (pick one: Orange County, New York City, Atlanta, New Jersey, Beverly Hills, Vancouver, Miami)” — those are “reality,” which, as everyone knows, is only “TV ‘real,’ ” more or less. Before that: “Desperate Housewives” — pure fiction. “Housewife” and “housewives” had almost fallen out of use as insulting throwbacks until TV came along and rescued them, granting them a certain risque cachet. “Homemaker” had long replaced “housewife” — and even “homemaker” had become worn. But “homeowner,” that’s another thing, a real one — a real real one — and P.B. Odom III can spot one at a suburban mile. Make it five. Five women homeowners, walking right down the middle of the street. Hollywood
“The Real Homeowners of Talavera,” five young moms walking with their babies, inspired this billboard, by Lamar Advertising, when developer P.B. Odom III happened upon them and snapped their picture. Left to right are Arrin Hill with daughter Maddie; Sarah Zantout with son Luke; Marissa Stuckey with son Colton; Ashley Blackburn with son Mitchell; and Melissa Miller with twins Jackson and Harper. The billboard and one identical to it are on Interstate 35 on the south side of the metro area.
writers didn’t write it — but Odom, longtime developer and amateur photographer, realized immediately that it was a picture worth the proverbial 1,000 words.
Driving around his Talavera neighborhood at SW 164 and Santa Fe one afternoon last winter, Odom happened upon the scene made for TV — or at least for mar-
keting: a quintet of women striding purposefully down a street, each pushing a stroller. SEE TALAVERA, PAGE 2F
Drive hard bargain when buying car, home Do you find yourself in the position of having to buy a house and a car at the same time, due to a major life change? If so, to avoid overspending, you’ll want to make the most prudent and cost-saving choices on your car purchase. That way you’ll maximize your chances of obtaining the best possible home, said Sid Davis, a real estate broker and author of “A Survival Guide for Buying a Home.” “Nowadays, those who make a strategic home purchase in a strong neighborhood can, at the minimum, expect that the property won’t go down in value. And over time, it could appreciate. However, a car isn’t an investment because it’s bound to depreciate,” Davis said. Should homebuyers who are also buying a car choose a new vehicle or a used one? If possible,
Preen Mulch Plus puts mulch and weed preventers together in one product. The bagged mulch is mixed with two pre-emergent herbicides for up to six months of weed prevention. Only a 2-inch-deep layer needs to be applied to suppress weed growth. The product is packaged regionally and is made of either shredded area hardwoods, fir, cedar, pine or mixes, tinted with iron oxide or carbon black. No treated or recycled wood products are used. A 2-cubic-foot bag covers up to 12 square feet. The mulch is available in three colors: midnight black, russet red and chestnut brown. It sells for $4.49 at Lowe’s and at some independent garden centers.
should they try to pay cash for the car or finance it? How can they determine the best choice in terms of safety, reliability and fuel economy? “Remember, if you buy a very expensive car with a big car loan, that could negatively impact your chances to buy the home you want or to get a mortgage. Lenders hate seeing a huge car loan popping up on a borrower’s credit report,” Davis said. Ideally, homebuyers who also need a car should buy an inexpensive one and pay cash — assuming they have sufficient savings to do so, he said. Here are a few tips for wannabe homebuyers who also need a vehicle: I Look for a great deal on a late-model used car. The very idea of buying a used car makes many people nervous. After all, it can be risky to purchase one without the assuranc-
Ellen James Martin SMART MOVES
es that come with a new vehicle. But if you do your research, over time the savings from buying used can be significant, said Jeff Bartlett, deputy editor for autos at Consumer Reports magazine. “The greatest depreciation for a brand-new car comes in the first three years — when new cars typically lose 35 to 50 percent of their value,” Bartlett said. I Research the reliability ratings for the vehicles you’re considering. Drawing on reader surveys, Consumer Reports publishes annual data on the reliability of numerous
used car models. The Used Car Buying Guide is available in either the print edition or online at www.consumerreports.org. For those in the throes of buying a home and a car simultaneously, it can be tempting to consider only immediate needs. But Bartlett urges you to think longer-term and consider upkeep and repair costs, as well as fuel economy. For information on fuel economy ratings, go to the website of the U.S. Environmental Protection Agency: www.fuelecon omy.gov. I Have any used car you’re considering checked out by an independent mechanic. Many dealers will allow you to take a used vehicle off the lot to a service station to have it assessed. But you might also choose to pay a mechanic to check out the car on the dealer’s
lot. I Give more thought to home buying than car buying. Clearly, no one should buy a car, new or used, without a substantial amount of research. But Davis, the real estate broker, said those buying both a car and a home simultaneously should realize they’ll need to pay more attention to the real estate. “Remember, a car is a commodity. At any one time, for example, there are probably a few thousand 2010 Ford Explorers for sale in your region. But every home is unique in terms of features, condition and location within a neighborhood. So in the long run you’ll find that every additional hour you spend will likely prove more rewarding,” he said. To contact Ellen James Martin, email her at ellenjamesmartin@gmail.com. UNIVERSAL UCLICK
BEAUTIFUL LAVENDER Some people grow lavender for its beauty, some for its fragrance, and some for its usefulness in recipes, craft projects and household concoctions. Whatever the reason, “The Lavender Lover’s Handbook” can help. Author Sarah Berringer Bader addresses the best places to grow lavender, from climatic and aesthetic standpoints, and gives guidance on planting, propagating, harvesting and drying the plant. Recipes and craft projects give the reader ways to enjoy lavender outside the garden. “The Lavender Lover’s Handbook” is published by Timber Press and sells for $27.95 in hardcover. MCT INFORMATION SERVICES
INDEX Stone Permits
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SATURDAY, JULY 7, 2012
THE OKLAHOMAN | NEWSOK.COM
LEFT: Melissa and Tyler Miller and their twins, Jackson and Harper, at their home in the Talavera neighborhood. PHOTO BY DAVID MCDANIEL, THE OKLAHOMAN
Talavera: Billboards convey image FROM PAGE 1F
“And it struck me. I thought, ‘Man this is phenomenal. This is great, because these are real homeowners,’ ” he said. Odom pulled out his trusty camera, a constant companion he keeps handy partly for just such occasions. He introduced himself and asked if he could shoot a few pictures. “It was definitely interesting,” laughed Melissa Miller, who was among the five. “But you couldn’t miss us because we were taking up the whole street.” Ashley Blackburn said she recognized Odom right away, “because I’m the nosy neighbor.” The five — Miller, Blackburn, Arrin Hill, Sarah Zantout and Marissa Stuckey — are all friends and frequently walk the neighborhood together. “People are always outside, be it children or adults,” Blackburn said. “It’s the best way to meet the neighbors.” Odom told them he’d taken lots of pictures in his neighborhoods over the years. “Sometimes they come out, and sometimes they don’t,” he said. So he took several shots of the group in Talavera that afternoon. “And lo and behold, they came out good,” he said, laughing. Odom decided to work the shot into a new billboard campaign for Talavera, inspired, more or less, by Bravo TV’s “Real Housewives” series. “These are moms, these are homeowners, and there’s babies, too,” he said. “These aren’t housewives. These are homeowners.” For the homeowners themselves, though, the new billboards proved to be quite a surprise. “I think we were kind of shocked,” Miller said. “We all sent a group text message about it.” Blackburn said she initially thought no one would recognize them. “But I’ve had a couple of people text me and ask, ‘Um, are you on that billboard?’ And I was like, ‘Yeeeah.’ But I think it’s fun,” she said.
Shawn and Ashley Blackburn with their children Mitchell and Alexandria. PHOTO PROVIDED
I’ve had a couple of people text me and ask, ‘Um, are you on that billboard?’ And I was like, ‘Yeeeah.’ But I think it’s fun.” ASHLEY BLACKBURN
About Talavera Talavera has been under development since 2004 and is about halfway done, Odom said. The neighborhood will have 600 homes once it’s finished, ranging from about 1,500 square feet to more than 3,000 square feet. “It has been phenomenally successful,” Odom said. “There has been no slowdown since we started.” Talavera homes offer an Old World air created by Odom’s daughter, Rachel, who drew on memories of a 1997 sojourn in Spain where she studied economics in Madrid and polished her Spanish via the
Rachel Odom shows a home at 17009 Picasso Drive in the Talavera neighborhood developed by her father, P.B. Odom III. PHOTO BY SARAH PHIPPS, FOR THE OKLAHOMAN
deep-end-of-the-pool method. Rachel Odom, who went on to graduate from the University of Oklahoma two years later, said the immersion approach worked. “I never really took Spanish at OU, but I learned it,” she said. “I got a minor in it by immersing myself in it.” Her roommate, Cristina
Sanchez Ojea, hailed from Talavera de la Reina, a city about an hour and a half southwest of Madrid. The roommates spent many holidays with the family in Talavera, and those warm memories led to much of the Oklahoma City neighborhood’s character as well as its name. “And I’ll always have a good memory of Talavera,”
Rachel Odom said. Closer to home, the Real Homeowners are dealing with their moment in the sun. “It’s really funny,” Zantout said. “It was kind of surprising, but we’ve gotten a good laugh out of it.” Meanwhile, Blackburn said she is tamping down some sibling rivalry between her children Alexandria, 6, and Mitchell, 3. Mitchell is in the stroller his mother is pushing in the billboard picture. “My daughter said, ‘Man, I didn’t get to be on the sign but Mitchell did.’ And I’m like, ‘Oh, you can barely see Mitchell.’ ” Miller, whose 5½month-old twins, Jackson and Harper, were in the stroller, said they pass the billboard all the time. “It’s pretty exciting,” she said. “It’ll be a good memory for the twins.” Real Estate Editor Richard Mize contributed to this report.
REAL ESTATE
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FHA retreats on credit restrictions WASHINGTON — In a policy switch that could be important to thousands of applicants seeking lowdown-payment home mortgages, the Federal Housing Administration rescinded tough new credit restrictions that had been scheduled to take effect July 1. The policy change would have affected borrowers who have one or more collections or disputed-bill accounts on their national credit bureau files, where the aggregate amounts were $1,000 or greater. Some mortgage industry experts estimate that if the nowrescinded rules had gone into effect, as many as one in three FHA loan applicants would have had difficulty being approved. Under the withdrawn plan, borrowers with collections or disputed unpaid bills would have been required to “resolve” them before their loan could be closed, either by paying them off in full or by arranging a schedule of repayments. In effect, if you couldn’t resolve the outstanding credit issue, you might not be able to obtain FHA financing. The rescinded policy would have replaced more lenient rules allowing loan officers to discuss the accounts with applicants, and determine whether they represented material risks
Kenneth Harney THE NATION’S HOUSING
that the borrower might fail to make the mortgage payments. Disputed bills are commonplace in many consumers’ files, but may not indicate serious credit risk. Rather, they might simply be a disagreement between merchant and customer over price, quality of the product or the terms of the credit arrangement. Open collection accounts are also common but tend to be viewed more ominously by lenders since they often indicate nonpayment over an extended period. Unpaid creditors frequently charge off unpaid accounts, then sell the files to collection agencies who pursue the customer and report nonpayments to the national credit bureaus — Equifax, Experian and TransUnion. Critics of the policy complained that it tilted the scales too heavily in favor of creditors and disproportionately harmed FHA’s traditional core borrowers — low- to moderate-income families, firsttime buyers and minority groups. Other critics argued that the policy would
not help FHA weed out serious credit risks since private lenders already are doing so by imposing their own credit score and other restrictions on applicants, known as ”overlays” in the mortgage industry. Clem Ziroli Jr., president of First Mortgage Corp. in Ontario, Calif., noted that although FHA accepts FICO credit scores as low as 580 — FICO scores run from 300 to 850 with lower numbers portending higher risks of default — many large lenders require 640 scores or higher. Why? Because they are super-cautious in the post-bust marketplace and don’t want to be required by FHA to “buy back” a mortgage that had a marginal FICO score at application, then went to foreclosure. As it is, FHA’s recent average scores are far higher than historical norms. According to an analysis by Ellie Mae LLC, a company that tracks conventional and FHA loan originations, the average FICO score for an FHA-approved loan to purchase a house in May was 713. Though down slightly from March, when average FICOs for purchases hit 724, according to Ellie Mae, both scores suggest a strong trend toward financing applicants who have relatively fewer issues in their credit files. This
Lucas joins Paradigm firm MIDWEST CITY — Lisa Lucas has joined the Paradigm AdvantEdge Real Estate office at 2150 S Douglas, Suite F, in Midwest City as a residential real estate sales associate. She earned an associate
Susan Belanger
Belanger joins Paradigm Susan Belanger has moved to Paradigm AdvantEdge Real Estate, 16301 N May Ave., as a residential real estate sales associate. The Texas native moved to Oklahoma eight years ago. She had a real estate license in Texas for two years and has had her license in Oklahoma for eight years. She has also had a real estate license in Hawaii for nine years. She and her husband, Scott Belanger, are real estate investors and built houses in Hawaii and Edmond. She also worked in residential property management for several years.
Shawnna Brown
Paradigm adds Brown Shawnna Brown has joined Paradigm AdvantEdge Real Estate’s south office at 1530 SW 119 as a residential real estate sales associate. The Oklahoma City native attended Oklahoma City Community College and Oklahoma State University. Previously, she was the director of a preschool for 10 years.
degree from Central Texas College in Killeen, Texas, and moved to the Midwest City area two years ago. In addition to real estate sales, she works as a media assistant at Briarwood Elementary School.
Lisa Lucas
contrasts with the agency’s long-standing tradition of helping “low to moderate wage earners and the underserved” — often minorities — to buy homes, Ziroli said. Much of the last decade, FHA routinely financed borrowers with credit scores in the low to mid 600s. Deputy Assistant Secretary Charles Coulter said the FHA’s ongoing interest in re-evaluating its credit policies — such as the rescinded collections and disputes rule — is “to find a balanced yet flexible approach to promote access
to affordable credit while protecting the mortgage insurance fund.” FHA plans to issue a new rule “soon,” agency sources said, that addresses collection accounts and disputes separately. Meanwhile if you plan to apply for an FHA loan and you think you have collections or disputes on file, here’s the good news: You won’t be forced to pay off or resolve the accounts before closing, but you are likely to have your application referred for “manual” underwriting, where a loan officer takes a hard
look at the facts and circumstances of your collections or disputed accounts. This, in turn, will almost certainly slow down your approval. There are exceptions such as when the disputed account is both less than $500 and more than 24 months old. But beware lenders’ overlay practices. They may get you turned down even if FHA’s more generous rules say you are acceptable. Ken Harney’s email address is kenharney@earthlink.net. WASHINGTON POST WRITERS GROUP
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Foreclosure deficiency can take bite out of your wages Q: Several years ago, I lost my house in a foreclosure. Last week, my employer informed me that my wages were being garnished. I looked into it and found out that the lender on the foreclosure got a deficiency judgment against me. What can I do? A: When your lender forecloses on your home and the value of the property is less than what you owe the bank, the lender can typically go back to court and get a judgment against you for the difference. This deficiency judgment is basically the same as any other judgment that someone gets against you. The creditor has the ability to “execute” on its judgment by taking things you own and having the sheriff sell them. It also can take money from your bank accounts and force your employer to hand
Ranch-style home can handle variety of ages Stone veneer wainscoting accents the Oak Hill’s three-car garage and covers the bold column supports that bound its wide porch. Wide multipane windows fill much of the front facade, and a parade of gridded glass runs along the tops of both garage doors. Because this ranch-style home is all on one level, it’s equally well suited for raising children and aging in place. And if someone in your family needs a home office, that’s covered too. Entering, you move forward into a long, high-ceilinged foyer, naturally brightened by sidelights. The home office is through double doors on the right, while a wide opening on the left leads into what could be either a parlor or a dining room. Light washes into both of these front-facing rooms through wide multipane windows. You can reach the vaulted great room and adjoining kitchen two ways: either by continuing to the end of the foyer, or passing through an opening at the rear of
the dining room-parlor. French doors into the great room offer privacy when needed. Rear windows flank a fireplace that provides warmth while creating a colorful and relaxing focal point when skies are gray or dark. Kitchen workers can survey most of the great room and all of the nook and covered patio, looking out across the flush eating bar. A step-in pantry adds to the ample kitchen storage space. Secondary bedrooms and the main bathroom are to the right of the Oak Hill’s family gathering space. They are linked to everything via a long hallway that ends at the double-door entrance to the owners’ suite. Amenities there include a deep walk-in closet and a skylit bathroom with an oversized shower, his-and-hers vanity, and a private toilet. A review plan of the Oak Hill 30-810, including floor plans, elevations, section and artist’s conception, can be purchased for $25 by phone, mail or online. Add $5 for shipping and handling. Associated Designs, 1100 Jacobs Drive, Eugene, OR, 97402. www.associateddesigns.com. (800) 634-0123.
LISTING OF THE WEEK
The Listing of the Week is at 542 W Geronimo Court Way in Mustang. PHOTO PROVIDED
4-bedroom has designer finishes The Listing of the Week is a home with designer finishes and high-end features in Mustang’s Hunters Glen addition. The 1,916-square-foot home at 542 W Geronimo Court Way has four bedrooms, 2 ½ baths, one living room, one dining room and an attached three-car garage. The living room has a ceiling fan and corner fireplace. The kitchen has a pantry, double ovens and a gas cook top. The master bedroom has a walk-in closet and
whirlpool tub and shower. Two secondary bedrooms have ceiling fans. The home has a covered patio, underground sprinkler and a security system. The home, built in 2006, is listed for $187,000 with Lisa Mollman of Century 21 Gold Castle Real Estate. For more information, call 210-8736. Nominations for Listing of the Week are welcome. Send information on single-family homes to The Oklahoman, Richard Mize, P.O. Box 25125, Oklahoma City, OK 73125. Nominations may be faxed to 475-3996.
Kenny Rogers sells Georgia home THE ASSOCIATED PRESS
JEFFERSON, Ga. — The northeast Georgia home owned by country singer Kenny Rogers that was scheduled to be put up for auction has been sold. Grand Estates Auction Co. in Charlotte, N.C., said Rogers, 73, sold the house and its 150 acres last week for $2.25 million.
THE OKLAHOMAN | NEWSOK.COM
The property is located near Nicholson, Ga., and included a 5,681-squarefoot-house, a 2,675square foot pool, an 8-acre lake, horse riding trails, go-cart track and other amenities. The Athens BannerHerald reported that the auction was called off after attracting nearly a dozen potential buyers.
Kenny Rogers
Gary M. Singer REAL ESTATE LAW
over some of your wages. But you also have rights. For example, if you are the primary wage earner taking care of your minor children, you are typically exempt from having your wages garnished. Also, certain property (such as your homestead), bank accounts and retirement accounts are protected. Now that your wages have been garnished, you may be able to claim an exemption if you fit into any of the protected categories. You will need to hurry because the time for claiming these protections is extremely limited. You
might also want to consider trying to negotiate with your lender, because generally banks would rather work something out than see you quit your job or file for bankruptcy. Q: I am considering refinancing. Will the appraised value for the new mortgage have any impact on the county’s appraised value and the real estate taxes I pay? A: No. The value that the property appraiser assigns to your property is based on the market value of similar properties sold in the same or comparable subdivisions during the previous year. So a drop in property values in 2010 would have shown up on the 2011 tax bill. Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. Send him questions online at http://sunsent.nl/mR20t7 or follow him on Twitter @GarySingerLaw. MCT INFORMATION SERVICES
THE OKLAHOMAN | NEWSOK.COM
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Walt Disney’s boyhood home, 2156 N Tripp Ave., Chicago. MCT PHOTO
Walt Disney’s Chicago home doesn’t sell BY RON GROSSMAN Chicago Tribune
CHICAGO — Not only do prophets lack honor in their native land, some don’t do much for real estate values — at least to judge by Walt Disney’s childhood home on Chicago’s Northwest Side. On the market for more than a year, it offers prospective buyers a two-flat with new windows, hardwood floors and built-in nostalgia for fans of Donald Duck and Mickey Mouse. It was built by Disney’s father, a carpenter who worked on the 1893 Columbian Exposition, the world’s fair that reportedly inspired Disney’s theme-park ventures. Some see the failure to sell the home, at 2156 N Tripp Ave., as a case of good news and bad news, among them Fred Seidel. “The city of Chicago should buy it and charge visitors for admission,” said Seidel, a construction worker. “I’m interested in the arts.” The upside, Seidel said, is that lacking a private buyer means it won’t be knocked down for new construction, a common fate of older buildings as Chicago gentrifies. The Disney home lacks a historic landmark designation, a campaign by preservationists having stalled years ago. Walt Disney was born Dec. 5, 1901, on the second floor of the house in the Hermosa neighborhood, then a newly developed section of Chicago and now a largely Hispanic community. He attended McKinley High School, now a primary grades facility, and took classes at the now-defunct Chicago Academy of Fine Arts. With his brother Roy, Walt Disney went to Hollywood and, in 1923, started making the animated cartoons audiences quickly embraced as part of the moviegoing experience. Even without a bronze plaque, the Tripp Avenue house attracts Disney
buffs, reports its owner Radoje Popovic. “Some came from Madrid to see it,” Popovic said. “A camera crew from Germany took pictures.” Popovic, himself a real estate dealer, bought the building from a previous owner, June Saathoff, who had lived there for many years and opposed landmark designation. “She was holding the windows together with duct tape,” he said. “She was an older woman living on a fixed income.” In 1991, the Commission on Chicago Landmarks proposed the Disney home for landmark designation, inaugurating the drawnout process often involved. When a City Council committee took up the issue six years later, Saathoff protested that landmark status could make her property hard to sell. Potential buyers would be scared off by the prospect of having to get the city’s approval for changes to the facade. In fact, the frame structure where Disney was born had been remodeled, but the president of the local chapter of the American Institute of Architects argued that it was nonetheless worthy because Disney was a worthy man, quoting President Dwight Eisenhower: “We shall not see his like again.” Popovic, who acquired the property in 2002 for $195,000, offered it on eBay, four years later for $280,000. Subsequently, he wanted to honor its heritage by turning it into a community center where neighborhood young people could take art lessons. The project failed for lack of funding. Disney’s home is on the market for a reduced asking price of $179,000. Popovic had several nibbles, but would-be owners couldn’t get financing. Popovic said he’s not opposed to landmark designation, should the issue be revisited, a long-shot possibility under Chicago’s landmark ordinance. MCT INFORMATION SERVICES
DEAR BARRY: We’re about to buy a brand-new home and have decided not to hire a home inspector. My husband prefers to do the inspection himself. When we sold our last home, he accompanied the buyers’ home inspector to learn what inspectors do. He proposes to go through all the same exercises as our buyers’ home inspector, and he should be able to find any serious defects. Our Realtor, however, is uncomfortable with this idea and urges us to hire a professional inspector. But the home comes with a one-year warranty, so any defects not spotted during our inspection will certainly surface during that time. Our family and friends also believe a home inspection is unnecessary, but your opinion would be greatly appreciated. Lorraine DEAR LORRAINE: The decision to forego a home inspection is typical among buyers of brandnew homes, but it is an invitation to costly trouble,
Barry Stone INSPECTOR’S IN THE HOUSE
and here is why: You say that your husband plans to repeat “the same exercises” as your buyers’ home inspector. Please understand that these were not exercises. They were the carefully considered applications of years of home inspection experience and a vast amount of property defect knowledge. Your husband observed the inspector’s movements only, not the forensic processes that occurred within the inspector’s mind while he evaluated your home. It takes at least 1,000 home inspections to become reasonably qualified as a professional home inspector. There is simply no way that an average homebuyer can discover the defects that would be appar-
ent to a well seasoned home inspector. If your husband does the inspection, undiscovered defects will be inevitable. You say also that any problems not spotted during the inspection will certainly surface during the one-year warranty period. This is only true of defects that are visibly apparent or that affect observable functions, such as rubbing doors, a leaking dishwasher or a noisy garbage disposal. Here are just a few examples of the kinds of problems that would most likely not be discovered on a do-it-yourself home inspection or during the first year of occupancy: 1. Inadequate ventilation of the attic. 2. Faulty wiring within the breaker panel. 3. Improper flashing at roof penetrations. 4. Chimney contact with combustible construction. 5. Noncompliance at the garage firewall. 6. Substandard flue
connections at the water heater. 7. Inadequate combustion air supply for the furnace. 8. Reversed polarity at wall outlets. 9. Lack of ground fault (shock) protection at required outlets. 10. Improper vent configuration at drain pipes. 11. Unsafe venting of exhaust at the furnace. 12. Inadequate height of the chimney above the roof. Problems such as these would eventually be discovered by the buyers’ home inspector when you eventually sold the home. By that time, the builder’s warranty would probably have expired, and the responsibility for repairs would then be yours. To resolve these details now, while the warranty is in effect, find the most qualified home inspector in your area. To write to Barry Stone, visit him on the web at www.housedetective.com. ACTION COAST PUBLISHING
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Building permits Oklahoma City N.E. Construction, 425 N Oklahoma Ave., apartment, erect, $11,719,000. Manhattan Construction Co., 818 NE 8, hotelmotel, erect, $8,000,000. Cress & Lopresto Architects LLC, 13020 Broadway Extension, automotive sales, erect, $3,000,000. Pacific Design Group, 5800 S Anderson Road, church, erect, $2,500,000. Diversified Construction, 410 W Wilshire Blvd., automotive repair-wash, erect, $1,500,000. Panattoni Construction Inc., 7202 S Interstate 35 Service Road, business, remodel, $1,500,000. Bill Gumerson & Associates, 12201 N Western Ave., school, add-on, $1,200,000. Quigley (Jim) Custom Homes LLC, 15840 Fairview Farm Blvd., residence, erect, $950,000. Candelaria Foster Contracting, 5708 NW 135, shell building, erect, $750,000. Trinity Group Architects, 9002 S Sunnylane Road, manufacturing, add-on, $564,375. Mike Van Eaton, 401 N Council Road, equipment, install, $500,000. John Nail Construction, 9905 S Morgan Road, residence, erect, $485,000. John Nail Construction, 9905 S Morgan Road, residence, erect, $485,000. John Nail Construction, 9905 S Morgan Road, residence, erect, $485,000. John Nail Construction, 9905 S Morgan Road, residence, erect, $485,000. G&C Holdings LLC, 6836 Pat Ave., warehouse, erect, $420,000. Cornerstone Homes By Chris Moock LLC, 12425 Roberts Road, residence, erect, $405,000. SAS Constructors, 9221 Lake Hefner Parkway, restaurant, fire restoration, $400,000. Oak Leaf Custom Homes, 4401 NE 92, residence, erect, $400,000. Sikhgurdwara of OK, 4529 NW 16, church, erect, $400,000. J. Howell Construction Inc., 12501 Corjil Lane, residence, erect, $350,000. Denise Patterson Custom Homes, 6220 NE 105, residence, erect, $325,000. Justice Homes Inc., 4604 NW 155, residence, erect, $323,000. New Generation Homes LLC, 7309 SW 105, residence, erect, $320,000. 4 Corners Construction LLC, 14800 Pepperwell Oaks Drive, residence, erect, $300,000. Nextec Home LLC, 516 NW 151, residence, erect, $300,000. Nextec Home LLC, 15305 Grayson Drive, residence, erect, $300,000. Fourth Street Center LLC, 29 N Council Road, office, erect, $300,000. John Andres & Stephanie Andres, 5605 NW 162, residence, erect, $299,000. Raywood Homes, 3604 Austrian Pine Lane, residence, erect, $280,000. Raywood Homes, 3604 Austrian Pine Lane, residence, erect, $280,000. Shields Business Park LLC, 8333 S Shields Blvd., shell building, erect, $280,000. Manchester Elite Homes LLC, 7801 NW 158, residence, erect, $276,750. Taber Built Homes LLC, 17833 Prairie Sky Way, residence, erect, $275,000. Taber Built Homes LLC, 17825 Prairie Sky Way, residence, erect, $275,000. TLP Custom Homes LLC, 13309 Grapevine Trail, residence, erect, $275,000. Heartland Homes LLC, 11213 NW 7, residence, erect, $265,560. 4 Corners Construction LLC, 16105 Scissortail Drive, residence, erect, $260,000. Gary Owens Carpet & Construction Inc., 15801 SW 26, residence, erect, $260,000. Bockus Payne Associates Architects, 12777 N Rockwell Ave., school, add-on, $260,000. Seagull Homes, 13136 Cottingham Road, resi-
dence, erect, $255,000. Equity Industrial OK LP, 5200 SW 36, office, remodel, $250,000. Precise Construction Inc., 11200 Oakleaf Lane, residence, add-on, $250,000. Rice Custom Homes LLC, 900 NW 196 Place, residence, erect, $250,000. Austin (David) Construction, 8408 NW 123 Circle, residence, erect, $250,000. Jason Garder, 1135 NE 13, fourplex, erect, $242,000. D&D Construction, 12909 SW 54, residence, erect, $240,000. Shawn Forth Custom Homes, 18409 Haslemere Lane, residence, erect, $240,000. Jeff Click Homes LLC, 1505 NW 172, residence, erect, $234,000. Heartland Homes LLC, 11313 NW 7, residence, erect, $226,585. Vintage Custom Homes LLC, 19600 SE 66, residence, erect, $225,000. 4 Corners Construction LLC, 11809 Calvia Court, erect, erect, $220,000. J.W. Mashburn Development Inc., 2708 SW 141, residence, erect, $220,000. Taber Built Homes LLC, 3113 NW 163 Court, residence, erect, $220,000. ANW Custom Designs LLC, 5613 Creekmore Drive, residence, erect, $215,000. Manchester Elite Homes LLC, 1425 NW 187, residence, erect, $214,250. Wisby (Emmitt), 6612 Harrison Blvd., residence, erect, $210,000. The RLA Co. Inc., 8724 NW 72 Court, residence, erect, $209,000. Manchester Green Homes LLC, 1413 NW 187, residence, erect, $206,500. Todd Cooper Homes Inc., 10821 NW 35, residence, erect, $205,000. Todd Cooper Homes Inc., 10824 NW 36 Terrace, residence, erect, $205,000. Ideal Homes of Norman LP, 18612 Mesa Road, residence, erect, $202,000. 786 Oklahoma LLC, 6200 N Robinson Ave., hotel-motel, remodel, $200,000. Tiffany Enterprises LLC, 5201 NW 118 Circle, residence, erect, $200,000. Austin (David) Construction, 8412 NW 122 Circle, residence, erect, $200,000. The RLA Co. Inc., 7304 Jack Drive, residence, erect, $200,000. Trilink Restoration Group LLC, 3216 Twisted Oak Place, residence, fire restoration, $200,000. Nestle Purina Petcare, 13900 N Lincoln Blvd., manufacturing, add-on, $195,723. ANW Custom Designs LLC, 8605 SW 58 Circle, residence, erect, $195,000. Clark Construction, 401 SW 80, medical clinic-office, remodel, $195,000. Taber Built Homes LLC, 17305 Ridgewood Drive, residence, erect, $190,000. 2K Country Homes LLC, 8701 Ensenada Court, residence, erect, $186,000.
REAL ESTATE Timber Craft Homes LLC, 8325 NW 141 Circle, residence, erect, $182,000. Bradbury Homes Inc., 11729 SW 22 Terrace, residence, erect, $181,100. Bradbury Homes Inc., 2320 Makaila Way, residence, erect, $181,100. Mike Vord, 14615 N Triple X Road, residence, erect, $180,000. New Generation Homes LLC, 13212 NW 1, residence, erect, $180,000. Taber Built Homes LLC, 15225 Western Vista Drive, residence, erect, $180,000. Taber Built Homes LLC, 17217 Woodvine Drive, residence, erect, $180,000. Bernard Smallwood, 10809 NE 52, residence, erect, $175,000. Cadelaria Foster Contracting, 5708 NW 135, office, remodel, $173,000. Alan Klein, 10701 NW 23, storage, erect, $170,000. Rice Custom Homes LLC, 18316 Haslemere Lane, residence, erect, $170,000. D.R. Horton, 3705 Millers Creek Lane, residence, erect, $169,990. D.R. Horton, 11017 SW 38 Circle, residence, erect, $169,990. Timber Craft Homes LLC, 8400 NW 143 Terrace, residence, erect, $169,568. 2K Country Homes LLC, 8700 Ensenada Court, residence, erect, $169,000. Sun Contracting LLC, 228 SW 174, residence, erect, $160,000. SWM & Sons Inc., 12601 SE 134, residence, erect, $158,165. Ideal Homes of Norman LP, 18437 Carillo Road, residence, erect, $158,000. Trinity Group Architects, 425 E Hill, warehouse, remodel, $150,000. Two Structures LLC, 9128 NW 90 Circle, residence, erect, $150,000. McAlister Construction Inc., 2408 SE 92 Terrace, residence, erect, $150,000. Two Structures LLC, 8329 NW 141 Circle, residence, erect, $145,000. Two Structures LLC, 8320 NW 141 Circle, residence, erect, $145,000. Anderson & House, 301 W Interstate 240 Service Road, nursing home, remodel, $145,000. King’s Crown Homes Inc., 25 SE 88, residence, erect, $140,000. King’s Crown Homes Inc., 28 SE 88, residence, erect, $140,000. Jeff Click Homes LLC, 17800 Black Hawk Circle, residence, erect, $140,000. St. Croix LLC, 8508 St. Elmo Court, residence, erect, $140,000. St. Croix LLC, 1228 SW 85 Terrace, residence, erect, $140,000. Westpoint Homes, 15116 Amber Run, residence, erect, $130,000. Westpoint Homes, 15308 Misty Park Drive, residence, erect, $130,000. Mashburn Faires Homes LLC, 10917 SW 32 Terrace, residence, erect, $128,600. Mashburn Faires Homes LLC, 10913 SW 32 Terrace, residence, erect, $127,600. Titus Construction, 608 NW 9, medical clinicoffice, remodel, $125,000. Ideal Homes of Norman LP, 2417 SW 139, residence, erect, $123,000. No name provided, 5708
NW 135, office, remodel, $123,000. Alan Klein, 10701 NW 23, storage, erect, $122,000. D.R. Horton, 11117 SW 42 Place, residence, erect, $117,800. New Generation Homes LLC, 2421 SE 89 Terrace, residence, erect, $110,000. New Generation Homes LLC, 2429 SE 89 Terrace, residence, erect, $110,000. Harbor Homes, 17112 Avila Lane, residence, erect, $110,000. Harbor Homes, 17004 Barcelona Drive, residence, erect, $110,000. Harbor Homes, 17012 Avila Lane, residence, erect, $110,000. Monarch Construction Co. LLC, 10909 SW 32 Terrace, residence, erect, $110,000. Oklahoma Shared Success, 400 S Vermont Ave., retail sales, remodel, $110,000. Visionary Properties Inc., 1901 Northwest Expressway, medical clinicoffice, remodel, $106,632. Foster Signature Homes LLC, 16320 Iron Fire Court, residence, erect, $105,000. Home Creations, 10004 Allie Hope Lane, residence, erect, $104,000. Ideal Homes of Norman LP, 16320 Drywater Drive, residence, erect, $103,000. Ideal Homes of Norman LP, 2409 SW 139, residence, erect, $102,000. Ideal Homes of Norman LP, 18529 Abierto Drive, residence, erect, $101,000. Rausch Coleman Homes LLC, 9636 Kylie Drive, residence, erect, $100,000. Smith & Pickel, 612 NW 44, school, remodel, $100,000. Home Creations, 19613 Vista Ave., residence, erect, $97,000. Vintage Custom Homes LLC, 10609 SW 36, residence, erect, $95,000. Ideal Homes of Norman LP, 11436 NW 131, residence, erect, $93,000. Home Creations, 15809 Crane Way, residence, erect, $90,700. Sun Contracting LLC, 1619 NW 18, residence, erect, $85,000. Home Creations, 624 Inverleith Circle, residence, erect, $84,800. Ideal Homes of Norman LP, 1828 NW 144 Terrace, residence, erect, $81,000. Home Creations, 2421
THE OKLAHOMAN | NEWSOK.COM NW 197 Terrace, residence, erect, $80,800. Central Oklahoma Habitat For Humanity, 2604 S Durland Ave., residence, erect, $80,000. Central Oklahoma Habitat For Humanity, 632 SE 26, residence, erect, $80,000. Central Oklahoma Habitat For Humanity, 520 SE 26, residence, erect, $80,000. Chad Winn, 12201 SW 59, accessory, erect, $80,000. Jenco Construction Co., 2800 SW 115, residence, fire restoration, $80,000. Lippert Bros. Inc., 800 W California Ave., boarding house-dormitory, remodel, $80,000. Quality Design Builders, 7105 W Hefner Road, restaurant, remodel, $80,000. Ideal Homes of Norman LP, 2704 NW 186, residence, erect, $79,000. Home Creations, 2425 NW 197, residence, erect, $78,400. Home Creations, 2436 NW 197, residence, erect, $78,200. ST Development LLC, 1530 SW 119, medical clinic-office, remodel, $78,000. No name provided, 5708 NW 135, office, remodel, $78,000. Ideal Homes of Norman LP, 9516 SW 27, residence, erect, $77,000. Ideal Homes of Norman LP, 2712 NW 186 Terrace, residence, erect, $77,000. Ideal Homes of Norman LP, 2700 NW 186 Terrace, residence, erect, $76,000. Ideal Homes of Norman LP, 2705 NW 186, residence, erect, $74,000. Ideal Homes of Norman LP, 15237 Stillwind Drive, residence, erect, $69,000. Berryman Enterprises Inc., 10900 Hefner Pointe Drive, office, remodel, $66,000. Chad Hemphill Construction LLC, 11101 Autumn Road, add-on, addon, $60,000. Headway Of Northwest Florida Inc., 3131 W Memorial Road, restaurant, remodel, $52,000. Manuel Venegas, 18500 Patterson Drive, manufactured home, move-on, $50,900. J. Howell Construction Inc., 6717 NW 119, residence, remodel, $50,000. Denise Patterson Custom Homes, 11816 Bravada Drive, cabana-gazebo,
erect, $46,000. L&L Retail Services, 8490 Northwest Expressway, retail sales, remodel, $45,000. Dowell Properties Inc., 400 N Walker Ave., office, remodel, $42,650. Witt Construction Inc., 16618 N Pennsylvania Ave., medical clinic-office, remodel, $40,000. Stan and Lisa Horn, 5120 S Cimarron Road, barn, erect, $36,000. Mike Vorel, 14615 N Triple X Road, accessory, erect, $35,000. ZI Construction, 6350 W Reno Ave., canopy-carport, erect, $35,000. No name provided, 13125 Three Oaks Drive, residence, add-on, $35,000. Affordable Countertops, 712 SW 60 Terrace, residence, add-on, $30,000. Buoy Brothers, 10300 Olde Tuscany Road, storage, add-on, $30,000. Alan Klein, 10701 NW 23, storage, erect, $29,000. Westwind Enterprises, 9009 NW 10, manufactured home, move-onmobile home park, $27,000. Westwind Enterprises, 9009 NW 10, move-onmobile home park, moveon-mobile home park, $27,000. CBR Commercial Contracting, 4700 Gaillardia Parkway, office, remodel, $26,000. David Terry, 13501 Skyview Road, accessory, erect, $25,000. Kimberly A. Miller, 9111 N Midwest Blvd., residence, erect, $25,000. Witt Construction Inc., 9808 Ramsey Road, residence, add-on, $25,000. McLean Homes LLC, 7616 NW 135, cabana-gazebo, erect, $22,000. Lawanda Jones, 1201 NW 104, residence, addon, $21,300. Benchmark Builders, 12517 Hoffman Road, residence, add-on, $20,000. L.G. Construction Co. LLC, 5816 SW 21, office, move-on, $20,000. Mike Van Eaton, 401 N Council Road, office, modular, $20,000. Mike Vorel, 14615 N Triple X Road, barn, erect, $20,000. Southwest Builders, 1100 Greenway Drive, residence, add-on, $20,000. Malarkey Roofing, 3400 S Council Road, manufacSEE PERMITS, PAGE 7F
THE OKLAHOMAN | NEWSOK.COM
Permits FROM PAGE 6F
turing, supplement, $20,000. No name provided, 2 E Reno Ave., tower-antenna, install, $20,000. Kathern Remington, 3308 SE 89, manufactured home, move-on-mobile home park, $19,900. Darla Morales, 2427 NW 13, residence, add-on, $19,000. David Scamehorn, 6504 N Omaha Ave., residence, remodel, $18,000. Daniel Gober, 4727 S Henney Road, accessory, erect, $15,000. ZI Construction, 6350 W Reno Ave., canopy-carport, erect, $15,000. Tri Stone Construction Inc., 1612 NW 33, residence, add-on, $15,000. Pamcorp (for T-Mobile), 7100 Terminal Drive, tower-antenna, install, $15,000.
Pamcorp (for T-Mobile), 3701 W Hefner Road, tower-antenna, install, $15,000. Charles Shadid, 2312 N MacArthur Blvd., restaurant, remodel, $15,000. Lucila de de Loera, 11625 NE 54, residence, add-on, $14,000. Alan Klein, 10701 NW 23, storage, erect, $11,900. Matthew Chambers, 9717 NW 10, manufactured home, move-on-mobile home park, $10,900. Adrian Barrios and Zoila Santizo, 3712 W Park Place, residence, add-on, $10,000. Cody and Tena Everhart, 1630 S Cemetery Road, residence, erect, $10,000. Callahan Steel Buildings (Curt), 12816 Oak Hill Drive, accessory, erect, $10,000. Denise Querdibitty, 3409 S Quapah Ave., storage, erect, $10,000. Melodie Garner, 701 W Sheridan Ave., restaurant, remodel, $10,000.
REAL ESTATE Napco, 1028 SW 49, residence, fire restoration, $10,000. Virginia Hernandez, 219 SE 37, residence, add-on, $10,000. Precision Building Systems, 1209 W Hefner Road, 16 permits, apartment, remodel, $9,375. Walmart, 1101 NW 164, business, remodel, $9,000. Brendy Lopez, 2321 NW 11, residence, fire restoration, $8,000. Alan Klien, 10701 NW 23, storage, erect, $7,000. Raymond Batt, 3308 SE 89, manufactured home, move-on-mobile home park, $6,800. Gregg Roberts, 5200 Holzman Ave., accessory, erect, $6,700. Brenda E. Pichardo, 2504 SW 45, residence, add-on, $5,000. Salvador Ontiveros, 2220 W Interstate 240 Service Road, retail sales, remodel, $5,000. Paul Sinclair, 504 NW 166, storm shelter, install-
storm shelter, $4,995. Ground Zero, 10908 SW 30, storm shelter, installstorm shelter, $4,900. James Doherty, 13108 Brooke Ave., storm shelter, remodel, $4,900. Mike Brown, 3408 NW 173, storm shelter, installstorm shelter, $4,895. Lynda Patison, 12917 Elrond Drive, accessory, erect, $4,800. Mark Muratore, 3412 NW 166 Court, storm shelter, install-storm shelter, $4,800. Rachel Bennett, 4414 S Olie Ave., storm shelter, install-storm shelter, $4,600. Frederick Wilhite, 512 SW 103, storm shelter, install-storm shelter, $4,595. Gary Clark, 10409 Ski Drive, storm shelter, install-storm shelter, $4,595. Ground Zero, 18300 Scarlet Oak Lane, storm shelter, install-storm shelter, $4,595. Michael and Barbara
SATURDAY, JULY 7, 2012 Cook, 2620 SE 94 Circle, storm shelter, installstorm shelter, $4,595. Donna Badon, 16800 Rugosa Rose Drive, storm shelter, install-storm shelter, $4,500. Gwen Kennedy, 10233 Aberdeen Drive, storm shelter, install-storm shelter, $4,500. Larry Jeffries, 1446 NE 36, business, erect, $4,500. Tra My Olivero, 10600 Berrywood Drive, storm shelter, install-storm shelter, $4,500. William Lindley, 1116 NW 199, storm shelter, install-storm shelter, $4,500. Brian Slack, 4437 NW 63, accessory, move-on, $4,500. Cheryl Michelle Madden-Fox, 13916 S Broadway Ave., storm shelter, install-storm shelter, $4,495. James Nondorf, 12201 Quail Creek Road, storm shelter, install-storm shelter, $4,395.
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Flat Safe, 532 Waterview Road, storm shelter, install-storm shelter, $4,375. No name provided, 17032 Hardwood Place, storm shelter, installstorm shelter, $4,295. Loyd McKinzy, 3113 SW 128, storm shelter, installstorm shelter, $4,200. Karolyn Martinez, 513 SE 72, storm shelter, installstorm shelter, $4,172. Flat Safe, 11505 NW 114, storm shelter, installstorm shelter, $4,050. Niki Higgins, 11404 Shasta Lane, storm shelter, remodel, $4,000. Parnell R. Prassada, 15617 Traditions Drive, storm shelter, installstorm shelter, $4,000. Ronald and Constance Theis, 5948 N Sapulpa Ave., storm shelter, install-storm shelter, $4,000. No name provided, 2709 NW 24, residence, add-on, $4,000. Kim and Melissa King, SEE PERMITS, PAGE 8F
8F
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REAL ESTATE
SATURDAY, JULY 7, 2012
Permits FROM PAGE 7F
12505 Shire Lane, storm shelter, install-storm shelter, $3,995. Carroll Family Revocable Trust, 15208 Pleasant Cove Lane, storm shelter, install-storm shelter, $3,950. Charles Randall, 11300 Gateshead Drive, storm shelter, install-storm shelter, $3,950. Karen Koch, 15204 Pleasant Cove Lane, storm shelter, install-storm shelter, $3,900. Lester J. Guillotte, 1409 NW 158, storm shelter, install-storm shelter, $3,800. Debi York, 10211 Fairfax Lane, storm shelter, install-storm shelter, $3,500. John and Tonya Stephens, 4201 Gemstone Circle, storm shelter, install-storm shelter, $3,500. Tasha York, 612 Choctaw Gate Drive, storm shelter, installstorm shelter, $3,500. Sarah Noffsinger, 16001 Hardwick Road, storm shelter, install-storm shelter, $3,400. Rajagopal Ramesh and Anupama Munshi, 15408 Essex Court, storm shelter, installstorm shelter, $3,395. Sharon Zook, 13350 SE 35, residence, install-storm shelter, $3,395. Smart Shelters, 11424 Brown Ave., storm shelter, installstorm shelter, $3,395. Smart Shelters, 9120 NW 83, storm shelter, install-storm shelter, $3,395. Diana Randall, 3004 SW 93, storm shelter, install-storm shelter, $3,300. Edward Simich, 6515 NW 94, storm shelter, install-storm shelter, $3,300. Nicky Goff, 3045 SW 94, storm shelter, install-storm shelter, $3,300. Robert Swindell, 12305 S Land Ave., storm shelter, installstorm shelter, $3,300. William J. and Margaret A. Price, 6704 Well Oak Circle, storm shelter, install-storm shelter, $3,300. Camera Nance, 13029 Spring-
creek Parkway, storm shelter, install-storm shelter, $3,200. Doug Brauchi, 15801 Creek Heights Drive, storm shelter, install-storm shelter, $3,200. Franz and Marla Lobo, 7421 NW 106, storm shelter, installstorm shelter, $3,200. Leslie Edwards, 5124 SE 81Terrace, storm shelter, install-storm shelter, $3,200. No name provided, 12416 Olivine Terrace, storm shelter, install-storm shelter, $3,200. Ashley Montgomery, 2713 NW 185, storm shelter, install-storm shelter, $3,100. Bob Reubell, 2817 N Grove Ave., storm shelter, installstorm shelter, $3,100. Jing Deng Jiang, 2205 NW 193, storm shelter, install-storm shelter, $3,100. Adam Harms, 1309 SW 116 Terrace, storm shelter, installstorm shelter, $3,000. Alex Reese Logan, 12 Springfield Drive, storm shelter, install-storm shelter, $3,000. Angela Joy, 2841 NW 183, storm shelter, install-storm shelter, $3,000. Diana Brown, 20 SW 170, storm shelter, install-storm shelter, $3,000. Herbert Reinhardt, 6212 Winfield Drive, storm shelter, install-storm shelter, $3,000. Jake and Jessica Elliott, 2337 NW 159 Terrace, storm shelter, install-storm shelter, $3,000. Jay Sauls, 13424 Prairie View Lane, storm shelter, remodel, $3,000. Kevin Bowlware, 11217 Kingsgate Terrace, storm shelter, install-storm shelter, $3,000. No name provided, 16404 Vicki Drive, storm shelter, install-storm shelter, $3,000. Ground Zero, 8413 Treeline Drive, storm shelter, installstorm shelter, $3,000. Flat Safe, 1401 NW 146, storm shelter, install-storm shelter, $3,000. Ground Zero, 1136 SW 132 Place, storm shelter, installstorm shelter, $3,000. Jason McCall, 2621 SE 94 Circle, storm shelter, install-storm shelter, $2,999. Andy Fisher, 1001 Coyote Drive, storm shelter, install-
storm shelter, $2,995. Anthony Walswick, 4804 Millstone Drive, storm shelter, install-storm shelter, $2,995. Brian Strack, 6009 NW 153, storm shelter, install-storm shelter, $2,995. Carolyn Price, 12308 Chateaux Road, storm shelter, installstorm shelter, $2,995. Cheryl Jones, 1316 SW 122, storm shelter, install-storm shelter, $2,995. Dalmar Dee Jerome, 18417 Salvador Road, storm shelter, install-storm shelter, $2,995. David Shadid, 14601 Longford Way, storm shelter, installstorm shelter, $2,995. George W. and Helen C. Shadid, 204 Tumbleweed Road, storm shelter, install-storm shelter, $2,995. Ground Zero, 10209 Ranchwood Manor Drive, storm shelter, install-storm shelter, $2,995. Jim Mainard, 9305 S Indiana Ave., storm shelter, installstorm shelter, $2,995. John B. Johnson, 16221 Grey Owl Blvd., storm shelter, installstorm shelter, $2,995. Joshua and Amy Dalton, 8321 NW 106, storm shelter, installstorm shelter, $2,995. Lester L. Walker, 2641 SW 95, storm shelter, install-storm shelter, $2,995. Mark Murray, 16609 Farmington Way, storm shelter, installstorm shelter, $2,995. Mary Jan Riggan, 3217 Elmwood Ave., storm shelter, install-storm shelter, $2,995. Paula Fitzgerald, 9500 SW 44, storm shelter, install-storm shelter, $2,995. William Mencke, 2205 SW 77 Place, storm shelter, installstorm shelter, $2,995. No name provided, 10333 Ashford Drive, storm shelter, install-storm shelter, $2,995. Smart Shelters, 15812 Prairie Run Drive, storm shelter, installstorm shelter, $2,995. Ground Zero, 12307 SW 15 Terrace, storm shelter, install-storm shelter, $2,995. No name provided, 11109 Pamplona Way, storm shelter, install-storm shelter, $2,990. Jim and Sue Nicholson, 15704 Traditions Drive, storm shelter,
THE OKLAHOMAN | NEWSOK.COM
install-storm shelter, $2,950. Gene Thompson, 14209 Kirkland Ridge, storm shelter, install-storm shelter, $2,900. Ket Fui Choo, 17412 Durbin Park Road, storm shelter, installstorm shelter, $2,900. Richard Wood, 1420 SW 58, storm shelter, install-storm shelter, $2,900. Victor Vu, 11801 Skyway Ave., storm shelter, install-storm shelter, $2,900. Matthew and Mylynda Nolting, 9544 SW 26, storm shelter, install-storm shelter, $2,895. Shannon Decker-Connally, 4813 Horizon Blvd., storm shelter, install-storm shelter, $2,850. Adam Mowery, 12025 Garden Drive, storm shelter, installstorm shelter, $2,800. Arthur Hoffman, 5120 SE 53, storm shelter, install-storm shelter, $2,800. Joe Roberts, 9005 NW 79 Terrace, storm shelter, install-storm shelter, $2,800. Marty Peliti, 2204 NW 172, storm shelter, install-storm shelter, $2,800. Phat Nguyen, 8805 NW 114 Circle, storm shelter, installstorm shelter, $2,800. No name provided, 917 SW 69, storm shelter, remodel, $2,800. William McMurtry, 6125 Cielo Terrace, storm shelter, installstorm shelter, $2,775. Erick and Courtney Harp, 1328 NW 185, storm shelter, installstorm shelter, $2,700. Mary Ann Phillips, 13217 Springcreek Drive, storm shelter, install-storm shelter, $2,700. Flat Safe, 10420 NW 41, storm shelter, install-storm shelter, $2,700. No name provided, 6304 W Captains Drive, storm shelter, install-storm shelter, $2,650. Robert Meadows, 14312 SE 111, storm shelter, install-storm shelter, $2,610. No name provided, 8708 SW 44 Circle, install-storm shelter, install-storm shelter, $2,550. Karin Macomber, 1404 S Youngs Blvd., residence-attached, erect, $2,500. Karin Macomber, 1406 S Youngs Blvd., residence-attached, erect, $2,500.
Tyler Carroll, 8218 NW 111, storm shelter, install-storm shelter, $2,495. Lex Doan, 8505 S Ross Ave., residence, add-on, $2,000. Rana and Kenny Camp, 4405 NW 56, storm shelter, installstorm shelter, $2,000. Cook Sheet Metal, 3140 S Madole Blvd., canopy-carport, add-on, $2,000. David Anderson, 1324 SW 126, storm shelter, install-storm shelter, $1,995. Hung Thach, 3215 N Military Ave., residence, remodel, $1,500. Kermit Walker, 2620 NE 21, residence, remodel, $1,500. Carl Baldwin, 611 Collin Drive, manufactured home, move-on, $1,300. Alton Walker, 1801 W Park Place, duplex, remodel, $1,000. Demolitions K&M Wrecking LLC, 12316 SE 38, house. K&M Wrecking LLC, 908 NW 7, house. K&M Wrecking LLC, 829 NW 7, house. Midwest Wrecking, 4500 W Reno Ave., restaurant.
Vonna Self
Self joins Paradigm Vonna Self has joined Paradigm AdvantEdge Real Estate’s south Office at 1530 SW 119 as a residential real estate sales associate. Previously, she worked in sales and marketing in the health care industry for seven years.
REAL ESTATE
THE OKLAHOMAN | NEWSOK.COM
SATURDAY, JULY 7, 2012
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More homeowners refinancing under revised program BY PAUL OWERS Sun Sentinel
FORT LAUDERDALE, Fla. — Carl Andrietta is among a growing number of “underwater” homeowners nationwide who are refinancing their mortgages through a revised government program. The original Home Affordable Refinance Program reduced fees
and loosened eligibility requirements starting in January, but the changes were not fully available until March. More than 180,000 homeowners nationwide have refinanced through the program in the 2012 first quarter, up 38 percent from a year earlier, according to the Federal Housing Finance Agency. It credits the pro-
3 bed, 2 bath, 2 car garage on 1/2 acre (mol), 1700sf, lots of upgrades, asking $129,900. 405-485-8222
OWNER FINANCING $2000 down No Credit Ck 4010 Pearl Way 3/1 $54K ¡ 596-4599 ‘ 410-8840 ¡ Bank Owned 3/2/2 2073sf .45ac, 2 liv, $79.9k Realty Exp 414-8753
BY OWNER, MUST SELL AS IS Apprx. 2,500sf, 3 bed, 2.5 bath, 2.5 acres, pool, Deer Creek Schls. By appointment 405-359-8159 160 Acres prime Farmland in NW Noble Cty, on Billings, blacktop road. 2.5mi N of 412 Hwy, 80 acres is cultiavated; 80 acres pastures & trees, 2 ponds for quail deer,pheasant hunting. Legal: NW qtr of sec 29; township 23N; range 2Wof the IM Cty of Noble, State of Ok. Price negotiable 580-370-5104 1N to 10A, E. of OKC, pay out dn. before 1st pmt. starts, many are M/H ready over 400 choices, lg trees, some with ponds, TERMS Milburn o/a 275-1695 paulmilburnacreages.com PIEDMONT OPEN SUN 2-5 Model home. New hms on 1/2 ac lots. From NW Expwy & Sara Rd go 4.5 mi N Cleaton & Assoc 373-2494 "Must See" 4-14 Beautiful Acres Guthrie/Coyle area Price Reduced Owner Financing 405-273-5777 www.property4sale.com Now accepting major Credit Cards 5 ACRE tract w/trees & creek in Piedmont schls. $45,000 Lisa 919-5717 Cleaton & Assoc 373-2494 OWNER FINANCING 1-10 Acres Many Locations Call for maps 405-273-5777 www.property4sale.com 1975sf home with shop, cellar, 5ac mol. $165,000. Addt'l acres & horse barn optional. (405) 638-0532 Call for Maps! See why we sell more acreages than anyone in Okla. E of OKC. o/a 275-1695 40 ACRES HUNTING LAND HUGHES CO $17K 405-886-1643
Immaculate 4/2/3, blt '08 granite, SS appls $166k Rlty Exp 414-8753
Bank Owned 2/2/1, blt 83, 1235sf $59,900 Realty Experts 414-8753
Bank Owned 3/1 2 liv PC Schools, .23ac $52.9k Realty Exp 414-8753 OPEN 2-4 4108 NW 34 2/2/2 fp, covrd patio $99,950 Bateman Co.
Great for first time homebuyer or investor! Completely remodeled 3bd home, new roof, new siding, fresh paint, new carpet, crner lot Only $32,850! Fidelity 692-1661
OPEN SUN 2-4 12513 Lorien Way - Rivendale Aprx 2700sf 3bd 2.5ba 2liv, frml din, breakfast nook, island in kitchen, SS appls, his/her closets in master suite. Pool, jacuzzi, $295K 378-2996 OWNER FINANCING $2000 down 2836 SW 64 3/1 $52,000 3841 SW 40 Pl 3/1 $46,000 No Credit Ck 596-4599•410-8840 Extra sharp 3bd brick home, ch/a, carport, storm shelter, 1100+ sf, nice area, fresh paint. All this only $64,900! Fidelity 692-1661 Owner carry 3912 S Agnew 2bd 1ba Nice 5K dn 550 mo. 650-7667 1818 SW 19. $11,000 cash 2/1 AS IS 650-7667
145 ac of grass, black top frontage, good fences, Grady Co. 405-785-2668
BY OWNER 3br near lake $119K May carry some 603-4775
PIEDMONT OPEN SUN 2-5 Model home. New hms on 1/2 ac lots. From NW Expwy & Sara Rd go 4.5 mi N Cleaton & Assoc 373-2494
AUCTION 160 ACRES Auction: Home/acreage Sat. JULY 14,10 am 10 mi N of Crescent on Hwy 74, 1/2 mi W;75 acres cultivated; pasture; deer;turkey;live spring; home w/pool on 10 acres;surface only;10% down; possesssion at closing www.jkjauctions.com JKJ Real Estate 580-233-9800
ment-run companies that own about half of U.S. home loans. Andrietta has lived in his home in Pembroke Pines, Fla., for 27 years but found himself underwater after refinancing near the peak of the housing bust in 2007 to pay for his daughter’s college education. He qualified for a refinancing that lowered his $1,595 monthly payment to
LAKE EUFAULA »» LAKE FRONT LOTS Blue water, boat slips avail, close to Number 9 Landing. Call S.E. Okla. Realty at 918-424-3264 »»
Lake Eufaula: Oakwood Harbor, 40x70 lot, incl. 19K ' TT w/ 8x16 room built on, all under metal cover, nr I-40 & Lotawata, $8,000 405-321-7756 Will Trade Lake Eufaula cabin for house in Moore or SW OKC of equal value. •••• 405-740-9574 Falcon Head Resort, 1bd 1ba, condo for sale,580-657-3959
$1,291. “That $300 allows us to pad our savings for the future,” said Andrietta, a 59-year-old mailman and college baseball coach. While the housing market has shown signs of strength, nearly one-third of mortgages are underwater, according to firstquarter data from Zillow.com.
$200 off
1st Mo Rent Selected Units Large Townhomes & Apartments • Washer, Dryers, pools • PC Schools, fireplaces
WILLIAMSBURG
7301 NW 23rd 787-1620
$200 Off
1st Mo Rent Selected units 2 & 3 bed Townhouses Washer/Dryers, Fireplaces, P.C. Schools
PARKLANE
721-5455
8100 N. MacArthur Blvd
$99 Special
1 & 2 BD & Townhouses
Valencia Apts
IMMACULATE 3/2/2 approx 1646' w/2liv lrg backyd w/storm shelt $147,900 AWESOME workshop 3ba 2.5ba on 1.84 ac MOL w/30 x 50 wkshp $189,900 Lisa 919-5717 Cleaton & Assoc 373-2494
2021 Peachtree 2bd 11,000 cash 650-7667
Special Gov't Program! Own Land/Family land ZERO DOWN! New and Repo homes avail. E-Z qualify by phone. Top dollar for your TRADE in. $2,000 furn allowance with purchase. WAC 405-631-7600 405-834-8814 Cash 4 Clunkers! Guaranteed $5,000 for any trade towards down pymt of new home WAC 405-631-7600 405-834-8814 Abandoned D/W Repo set up on 5 Acres!! Ready to move in. Free phone application 405-631-7600 NEW 3bd/2bth $1500 down, 7.5% $281mo. 405-324-8010
Restaurant & Convenient Store LAKE TENKILLER 918-261-5932
1 Month FREE!
2 bed $575 Casady
7608 N Western. Retail/Office space, 1200sf available 370-1077 GREAT Office Space. Various NW locations, 300-6000sf 946-2516
751-8088
525 SW 26th 3bed 2bath 1 car garage, 1545 sf, ch/a, $650 mo, $400 dep, no sec 8 409-7989 The Plaza 1740 NW 17th 1bd 1ba, 800sf, ch/a, wood floors, $550mo, $250 dep 409-7989 no sec 8 Furnished/Unfurnished. Bills Paid » Wkly/Mnthly. Wes Chase Apts Elk Horn Apts, Hillcrest 370-1077 •ABC• Affordable, Bug free, Clean » 787-7212»
K Office, K Warehouse. Various sizes. 221 W Wilshire 842-7300
EXECUTIVE 4BR 3.5BA 3000+ sqft in Hunters PT. Avail now. 3 car, $1800 mo, 348-5169
2 bd, 1ba, large yard, no pets, $475/mo $300 dep 732-7412
3bd 2bath 2car + study, fireplace, 1745sf $1300 + deposit WAC Home & Ranch Realty 794-7777 RENT TO OWN-Brk 3/1.5/2,ch/a, $2K dwn, $750mo. 834-5635 leave message. Return call w/in 15min
800 N. Meridian 1 bed. All bills paid 946-9506
KAT Properties-Apt & Homes for rent. Scan this w/your phone app
3100 NW 34th Street 2/1/1 all appliances, ch/a, lrg fenced backyd. $625/mo $500/dep. 306-5888 8705 MacArthur 4/2/2 $1195 Express Realty 844-6101 www.expressrealtyok.com 612 NW 109 3bed 2bath 2car 1200sf $850/mo $850/dep 409-7989 no sec 8 616 NW 92nd 3bd 1ba $525 + paint allowance 681-7272 2022 NW 34 Nice 2 bed $550 mo 732-3411
MAYFAIR Great loc! 1&2 bd W/D hdwd flr quiet secure ¡ 947-5665
Double Wide REPO Like New $395mo. wac 405-577-2884
1121 SE 21st 2bed 1bath Free List 681-7272
Rent to Own: Nice 2 & 3bed MWC $350 & up 390-9777
Newly Remodeled 1&2bed No deposit for VA, seniors & disability. 4708 SE 44th 677-2200
REPO REPO REPO 4bd/3bth $648MO. wac 405-324-8000
Public Auction Blaine County Farms 160+/- acres Tuesday July 10th @ 10am Watonga, OK SW 1/4 Section 17-16-12 BL CO. For infor. visit www.ridenhourauctions.com or www.stewartrealestate.us or Call John Ridenhour Auctioneer-Real Estate Broker 580-623-7902
$465
5533 Huddleston, MWC sch. 3 bd 2 ba 2 car. Nice $850 mo 732-3411
$99 SPECIAL Lg 1bdr, stove, refrig., clean, walk to shops. $345 mo. 632-9849
3200 S Dumas 2bed 1bath 2517 SW 42nd 2bed 1bath 605 SW 25th 2bed 1bath 944 SW 35th 3bed 1bath Free List 681-7272
$375 $495 $495 $535
Furnished/Unfurnished. Bills Paid » Wkly/Mnthly. Wes Chase Apts Elk Horn Apts, Hillcrest 370-1077
8000 S. Youngs, 3bd 1.5 ba 2car gar, w/d hook-up, 2 storage buildings, $820 + dep 740-4201
$99 Move In Special!!! Large 1 & 2Bdr, $345 to $420 mo. 632-9849
4bd 3bath 2 liv, Wst Hts Schools 1/2acre $1000mo 414-4004. 2 bedroom, w/d hookup, fncd yrd, $525/mo + $250 dep. 631-8039
Hunting and Farm Land Lookeba, Ok Thursday July 19, 10 am 400 Acres selling at Auction in 4 different tracts. For Info www.tillmansauction.com or 405-542-7030 Tillman Auction
750sf, 1br, ch&a, FP, W/D HU, appls, near OCU, $475 + dep, Call 405-250-2770.
MOVE IN NOW! Pd. water/garbage Quiet. Try Plaza East • 341-4813 I BUY HOUSES Any condition. No cost to U 410-5700
Bills Paid
12407 SW 2nd, 2/2/1, Mustang Schools, $725, no smoke/no pets, 650-3067 Luxury 3/2/2 w/FP. Gated, playground, pool, no pets near I-40 & Mustang Rd $1250mo 990-6797
Furnished/Unfurnished Weekly/Monthly 370-1077 3bd, 2ba, w/appls incl. + W&D, Edmond Schools, storage shed. No pets. 348-6240 or 623-1181
Free Month Rent! 1&2bd QUIET! Cov. Parking Great Schls 732-1122 I BUY & SELL HOUSES 27 YRS EXP 650-7667 HOMESOFOKCINC.COM We Buy Houses Fast Cash or Payments »» 405-412-7800 »»
MCT INFORMATION SERVICES
•City bus route/Shopping •Washer/Dryer hookups
2221 N. Meridian 946-6548
5824 S. Shartel Ave. Very Nice 2bd 1ba, 1 car $39,500 ¡ 550-2145
BEAUTIFUL almost new 3/2.5/1 approx 1777' Bethany schls $129,000 Lisa 919-5717 Cleaton & Assoc 373-2494
gram changes for the increase. The program debuted in 2009, but many homeowners couldn’t qualify because they owed far more than their properties were worth. Even with the revisions, borrowers must be current on their payments and the loans have to be originated by May 31, 2009, and backed by Fannie Mae or Freddie Mac, the govern-
Efficiency $425, all bills paid & furnished, off N Bryant, 427-7566
Rent to Own: Nice 2 & 3bed MWC $350 & up 390-9777 1064 Skyline 5/3/3 $2395 22655 Stherly Farm 3/2.5/5 $2395 616 Hurd 2/1 $700 625 Firelane 3/2/2 $995 Express Realty 844-6101 www.expressrealtyok.com
All bills pd except cable & ph, furnished w/prvt entrance/bath No smoking. $400 371-8426
10F
SATURDAY, JULY 7, 2012
THE OKLAHOMAN
NEWSOK.COM