LISTING OF THE WEEK
HOUSE PLAN
Pool party
Bold Beams
The Listing of the Week is a large 1½-level home with a heated pool with waterfall and diving board in the gated Oakmond neighborhood.
Taking in the bold wooden beams of the Woodcliffe’s porte cochere and entry, what springs to mind is an upscale hunting lodge.
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REAL ESTATE
Kenneth Harney
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THE OKLAHOMAN | NEWSOK.COM
SATURDAY, NOVEMBER 19, 2011
OU’S NEW INSTITUTE FOR QUALITY COMMUNITIES GETS SOLID START
THE NATION’S HOUSING
Big loans defaulting Prime jumbo borrowers who once were thought to be among the safest bets now are the most likely to opt for a strategic default and walk away from their homes. PAGE 6F
IN BRIEF
DINNERWARE SETS STYLE
Blair Humphreys, director of the University of Oklahoma’s Institute for Quality Communities, and Ronald Frantz, associate professor in the School of Architecture, look at a model of downtown Oklahoma City at the University of Oklahoma. PHOTO BY STEVE SISNEY, THE OKLAHOMAN BY DYRINDA TYSON For The Oklahoman dyrinda@gmail.com
NORMAN — When it comes to living up to its name, the University of Oklahoma’s Institute for Quality Communities isn’t necessarily restricted to the city. “We can make a better version of suburban life, too,” said Blair Humphreys, who came on as the institute’s first full-time director in July. But refining suburban life means answering a number of questions, ones the institute could face in the coming years. “How do you go into a suburb that’s never had a downtown, never had a heart of the community, and how do you create a place that people identify with?” Humphreys wondered. “Even a suburban community that might be 20 to 30 minutes from downtown, they also have a heart, a center of
activity, a place where people go to eat or where people go to shop. It’s not just a destination that you have to drive to.” And for Oklahoma City and its suburbs, it’s important not to let the issue get bogged down in a false perception of the metro area as a “car culture,” he said. “That sounds nice, but in reality, not everyone has a car, not everybody can afford a car,” he said. “So if we continue to think that’s the minimum threshold we have to hit, we’re leaving a lot of people on the sidelines who aren’t getting to experience a full life within the city and everything it has to offer.” Leading the Institute for Quality Communities is a natural move for Humphreys, son of former Oklahoma City mayor Kirk Humphreys, part of a family known for real estate development. Blair Humphreys spent two SEE QUALITY, PAGE 2F
TREES TAKE A STAND
The Montgomery, apartments and condos at 500 W Main St., is an option for urban living in downtown Oklahoma City. PHOTO BY PAUL B. SOUTHERLAND, THE OKLAHOMAN
Number of bedrooms important choice for buyers A couple in their early 30s, a manufacturing company manager married to an elementary school teacher, is searching for a first home where they can raise a family. Originally, they thought a house with two or three bedrooms would suffice. But now they’re convinced a four-bedroom home would be better. “I told them houses with more bedrooms do a lot better on the resale market,” said John Rygiol, a veteran real estate broker working with them. Is a home with four bedrooms affordable for many buyers? Surprisingly yes, said Jon Boyd, a real estate broker and former president of the National Association of Exclusive Buyer Agents (www.naeba.org). Boyd said that home values are determined by location as well as square
Ellen James Martin SMART MOVES
footage, and the square footage of many four-bedroom homes is often no greater than three-bedroom homes in the same neighborhood. Because of that, he said a fourth bedroom also doesn’t usually add much, if anything, to the home’s utility costs. Are you a homebuyer trying to buy a house with the right number of bedrooms? If so, these pointers could prove useful: I Buy ahead for your family’s future needs. Boyd, who heads his own independent real estate company, said it’s not
Shax Riegler sets the table for some appetizing exploration with his new book, “Dish: 813 Colorful, Wonderful Dinner Plates.” Riegler, features editor at House Beautiful, explores the history and appeal of dinnerware, which has infatuated collectors since at least the late 1600s. The book includes iconic lines such as Meissen’s Blue Onion and Homer Laughlin’s Fiesta, as well as such curiosities as plates influenced by fashion and the space race, plates designed by Roy Lichtenstein and Frank Lloyd Wright and even a grim depiction of Joan of Arc being burned at the stake. “Dish” is published by Artisan Books and sells for $35 in hardcover.
unusual for young couples who plan to have a baby to fail to factor this in when choosing a home. Maybe you’re expecting your first child in two or three years. In this case, he said that purchasing a place with a bedroom that could serve as a nursery is a better bet than changing houses after the baby arrives. I Don’t rule out room sharing for young schoolage children. By the time they reach kindergarten, if not before, most children want a bedroom of their own. However, if your family is large, and you would like to convert at least one bedroom to a home office, it might not be possible to furnish each child with a private bedroom. But Boyd said homebuyers needn’t worry if the house they purchase has too few bedrooms to meet
their children’s wishes. He sees some benefits to room sharing, especially for preadolescent children. I Look for a first-floor master suite for an elder parent. Boyd estimated that at least 20 percent of all homebuyers “are now talking about an elder parent moving in with them at some point in the future.” If this is a possibility in your case, he said you should consider buying a one-level, ranch-style home or a place with a first-floor suite, complete with a private bath. Even if your parents can easily scale the stairs now, they might find it a lot harder later. Having easy access to a bedroom with a full bath can be especially important to those who are elderly or have a disability. I Make sure that any room counted as a “bedroom” meets the defini-
tion. Given the popularity of properties with plenty of bedrooms, Rygiol said it’s not unusual for home sellers to sometimes stretch the definition when counting their bedrooms. On occasion, for example, some sellers will place an armoire and a bed in a small den or another spare room and then will call it a “bedroom.” Or they’ll count a sitting room off a master suite as a “bedroom.” But Rygiol said homebuyers shouldn’t be fooled. “If the room doesn’t have a built-in closet of its own and a window or door for egress, it’s not a bedroom. The same goes for a room that can only be entered through another bedroom. Neither one of these rooms should count as a bedroom,” he said. UNIVERSAL UCLICK
It seems mankind is tireless in its quest to design the perfect Christmas tree stand. One of the latest entries in the base race is the WonderStand, a two-part foundation that tilts and rotates for perfect tree positioning. The device has a separate cup that fits onto the tree trunk before the tree is lifted into the stand, so you don’t have to crawl under the tree to tighten bolts. The tree can be tilted until it’s straight and rotated as you decorate. A foot pedal locks the mechanism. The stand fits trees less than 10 feet tall with trunk diameters of 2 to 6 inches. Its reservoir holds 1 gallon of water and has an overspill feature. The stand, from Dalen Products Inc., can be ordered at www.the wonderstand.com or (877) 990-9967. The price is $79.99 through the holidays. Shipping is extra. FROM WIRE SERVICES
INDEX Barry Stone 4F Handy @ Home 7F Building permits 10F
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SATURDAY, NOVEMBER 19, 2011
REAL ESTATE
THE OKLAHOMAN | NEWSOK.COM
Left: Blair Humphreys, director of the University of Oklahoma’s Institute for Quality Communities, and Ronald Frantz, associate professor in the college of architecture, talk about urban and suburban planning at the University of Oklahoma. PHOTO BY STEVE SISNEY, THE OKLAHOMAN
Quality: Students see real-life issues FROM PAGE 1F
years at the Massachusetts Institute of Technology before returning in 2009 to Oklahoma City, a city that fell in the bottom five of the country’s most walkable cities in one survey the year before. The way cities and suburbs function isn’t just about getting from point A to point B, he said. “We also have to be realistic about the link between how we’ve built our cities, our towns and how it is impacting our health,” he said. Oklahoma, for example, consistently ranks high in obesity rates.
Institute starts strong And that’s one element the institute, which is getting its feet on the ground this year, will tackle. The idea is to pull students into communities, giving them a chance to work on reallife issues and come up with real-life solutions. The ball gets rolling this semester with a series of speakers — most recently Fernando Costa, assistant city manager in Fort Worth, Texas — with its first courses starting in the spring. “We’ll be getting students from a variety of disciplines throughout the campus and get them involved in projects in one or more Oklahoma communities,” Humphreys said. The approach isn’t new for the college of architecture, which has lent out its talents in the past. Ele- The Park Harvey Center, 200 N Harvey, provides high-rise apartments as a living PHOTO BY PAUL B. SOUTHERLAND, THE OKLAHOMAN ments of Oklahoma City’s option in downtown Oklahoma City. Core-to-Shore project, for example, first took shape in the OU studios, said Associate Professor Hans E. Butzer. “Obviously, public entities have limited funds, and so one of the things we’ve been able to do is collaborate with the planning department to kind of stay a couple of steps ahead of where things are,” Butzer said. “In a certain sense, we’re the scouts; we’re the scouting agency for the planning department.” Housing is just one piece of the puzzle, but it could be the most challenging piece. Take, for example, a recent housing study that stated a quarter Deep Deuce Apartments was one of the first options for walkable living in the of respondents wanted to post-2000 inner-city renaissance. This building is at 300 NE 2 north of Bricktown PHOTO BY PAUL B. SOUTHERLAND, THE OKLAHOMAN live in downtown Okla- near downtown Oklahoma City. homa City. But that hasn’t Census Bureau’s 2010 translated into an increase with Butzer-Gardner De- homa Main Street. Renting provides up- American Community in housing sales down- sign in Oklahoma City, said he prefers not to per-end market flexibility, Survey released in Septown. “Everyone says they guess, and his class studio he said, and if a job is lost, tember showed poverty want to live downtown, is looking at more flexible no one is stuck trying to grew 53 percent in major sell a house. metropolitan suburbs but in the end what it really approaches. “The attitude we’re takStill, almost 15 million from 2000 to 2010, comcomes down to is no one really is,” Butzer said. “All ing is less about trying to homes stood empty in the pared to 23 percent in the those folks aren’t buying.” read the market but rather United States when the cities. But that doesn’t change But they are renting. A to create, to start designing U.S. Census was taken in recent analysis found de- neighborhoods in such a 2010, up from 10 million in one fact: People are still looking for quality homes, mand for rental properties way that the way the 2000. “We’ve never had that Frantz said. outpacing sales, keeping buildings are used can adThe vacant housing in business brisk at places just to where the market many vacant houses in the history of the country, so the suburbs mirrors the such as the Park Harvey, a happens to be,” he said. And the need for flexi- there’s some real challeng- situation seen in innerformer office building converted into apart- bility goes beyond down- es happening out there,” city neighborhoods in the Frantz said. past, he said. ments. And that analysis, town. “In the upper-end And people are still “It’s just crept out andelivered to the Oklahoma City Council in Septem- housing, the preferred flocking to the suburbs — other ring — in 40 years of ber, indicates at least an- thing is to rent, which is a some 40 million more growth, it’s just crept out. other 1,000 units could be whole new market,” said were living in suburbs in But people will move to Ronald H. Frantz, an asso- 2010 than in 2000, ac- where there are quality in place by 2020. ciate professor who joined cording to Census figures. housing, quality commuFlexible approach the institute in September Poverty grew in the sub- nities. It gets back to the Butzer, also director after a stint with Okla- urbs as well, though. The quality community.”
THE OKLAHOMAN | NEWSOK.COM
REAL ESTATE
HOUSE PLAN
SATURDAY, NOVEMBER 19, 2011
LISTING OF THE WEEK
Large home features pool with waterfall
The Listing of the Week is at 404 NW 147 Terrace.
The Listing of the Week is a large 1½-level home with a heated pool with waterfall and diving board in the gated Oakmond neighborhood near NW 150 and Santa Fe Avenue. The 3,878-square-foot home at 404 NW 147 Terrace has four bedrooms, 3½ baths, three living rooms, two dining rooms and an attached three-car garage. The family room has a fireplace and ceiling
Craftsman-style home offers lodgelike living Taking in the bold wooden beams of the Woodcliffe’s porte cochere and entry, what springs to mind is an upscale hunting lodge. Or maybe a Northwestern-style chalet. Either designation could easily fit this expansive Craftsman-style home. All 3,500-plus square feet of it are on one level. Behind the vaulted porte cochere is a vaulted breezeway that leads to an even loftier vaulted porch. Handsome squared wooden posts support and accent the entire passageway. Entering the home, you step into a breathtaking vaulted great room, richly windowed at the rear. A fireplace and home entertainment center line one wall. Two of the great room’s five window sets slide open to provide air flow and access to a patio, part of which is covered and vaulted. On the left, a long, multi-angled eating bar marks the kitchen’s boundary.
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More light washes into the kitchen through a skylight. Working at the cooktop or handy prep sink, you face into the great room and can enjoy the rear vista as well. A bayed nook is at one end and a roomy pantry is at the other, right around the corner from a large home office with a freestanding woodstove. Counters, shelves and a desk with file drawers are all built into this skylit space, as is a wide closet that fills the rear wall. Storage closets line the hallway on the right,
which leads to a vaulted den and the Woodcliffe’s deluxe owners’ suite. Luxuries here include a double-wide walk-in closet, plus a skylit bathroom with a deep soaking tub and an oversize walk-in shower. Two more bedrooms, a vaulted family room and a double-entry bathroom are in the left wing. A review plan of the Woodcliffe, 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.associated designs.com. (800) 634-0123.
fan. The kitchen has a work island, eating space and pantry. The master bedroom has a walk-in closet and bath with double vanities and whirlpool tub. All secondary bedrooms have walk-in closets and ceiling fans; one has its own bath; the others share a jack-and-jill bath. The home has a large game room upstairs, wood floors, custom landscaping
PHOTO PROVIDED
front and back and a circle driveway. The home, built in 2003, is listed for $475,000 with Ryan Litz of Keller Williams Realty. The home will be open from 2 to 4 p.m. Sunday. For more information, call 330-2626 or 245-7812. 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.
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SATURDAY, NOVEMBER 19, 2011
THE OKLAHOMAN | NEWSOK.COM
Future shines with bulb replacements BY SUSAN CARPENTER
They are dimmable. Halogen bulbs have an almost identical light quality because they operate using filament technology similar to incandescents. Halogens also are dimmable. CFLs have long been associated with light that is more blue — some would say unnatural or harsh. Many companies now offer bulbs with different color phosphor blends designed to look more natural, bringing out the red and yellow tones of skin, paint or furniture. Dimmable CFLs are increasingly available. LEDs are able to mimic the hue of incandescents because their color is tuned electronically. LEDs are also dimmable.
Los Angeles Times
Just as the lights were dimming on the incandescent bulb, its future is flickering with hope once again. This year, Congress reopened the debate over whether the shift to energy-efficient alternatives is smart environmental policy or merely government intrusion into citizens’ lives. Never mind that a 2007 law signed by thenPresident George W. Bush already called for all incandescent lightbulbs to be phased out nationally between 2012 and 2014. Making the situation more confusing for consumers: California began implementing its own phaseout this year, ahead of the national mandates. The 100-watt incandescent bulb already is banned here. Consumer choices seem to expand with every passing month. Considerations for shoppers trying to sort out what they see on store shelves:
Energy efficiency The reason why incandescent bulbs were to be phased out is energy efficiency. The purpose of the 2007 act was “to move the United States toward greater energy independence and security.” Lighting accounts for 10 percent of U.S. household energy use, and the incandescent bulbs traditionally used in our homes are simply inefficient. Ninety percent of the energy that they produce is lost as heat. Three alternative technologies are currently available. Halogen incandescent bulbs use about 25 percent less energy than traditional incandescents
Variety
Marek Luce, manager at Lightbulbs Unlimited, looks at a display of old and new lightbulbs with incandescent bulbs, seen in the front row, and CFLs, seen in the back two rows, at the store’s showroom in Ft. Lauderdale, Fla. MCCLATCHY-TRIBUNE PHOTO
and last up to three times longer. Compact fluorescent lamps, or CFLs, use about 75 percent less energy and last up to 10 times longer. Light-emitting diodes, or LEDs, use 80 percent less energy and can last the longest — up to 25 years.
Cost comparisons These alternatives cost more up front. Go to a bigbox hardware store and a 60-watt incandescent bulb — the most commonly purchased bulb in the U.S. — is about 60 cents when bought in a multipack. A halogen bulb that generates an equivalent amount of light might cost as little as $1.50. An equivalent CFL might cost $2 to $5 apiece, depending on
the brand and style. An equivalent LED is about $34 to $40. However, all three alternatives deliver great savings in the cost of operation. A 60-watt incandescent bulb costs about $4.80 per year to light, according to the U.S. Department of Energy. The equivalent halogen bulb costs $3.50 per year. The equivalent CFL costs $1.20. The equivalent LED costs $1. The typical American home has 50 light sockets. Upgrading just 15 of those sockets from incandescent bulbs to CFLs would save more than $50 per year in electricity expenses, on average, according to the Department of Energy. Though CFLs and LEDs
Builder plays warranty games with homeowner DEAR BARRY: I purchased a brand-new home less than one year ago and expected to be covered by the builder’s warranty. But the builder refuses to repair any of the defects I’ve reported to him. For example, black mastic has seeped through the tile joints in my bathroom counter. He said I should have noticed these conditions during my final walkthrough inspection, before purchase. Since I did not see this condition then, he said it’s not covered by the warranty. What should I do? Cathy DEAR CATHY: Your builder appears to have a large number of soiled neurons — a condition commonly known as dirty nerve. Since when is a warranty of any kind limited to the defects that you notice at the time of purchase? When you buy a new computer, does the warranty only apply to defects that you notice at the cash register? What does your builder think a walk-through inspection is, a reality game show? He needs to wake up to the laws and business practices that apply to his profession. He is responsible for construction defects that took place on his watch, as prescribed by state law. That includes all defects that occurred during construction or that were manifested during the warranty period, not just the ones you spotted by you during “game time.” This situation illustrates the importance of hiring a qualified home inspector when buying a brand-new home. Even when builders are more honest and forthright than yours, the best way to take advantage of the warranty is to discover the defects before you buy. A professional inspector is more likely to find the warranted problems than is the average homebuyer, and
Barry Stone INSPECTOR’S IN THE HOUSE
builders are more likely to address a problem as a condition of the sale. My advice is to find the most thorough and experienced home inspector in your area. A qualified inspector will find additional defects for the builder to repair. If the builder does not agree to repair all of these, you can hire an attorney to emphasize the seriousness of the matter. DEAR BARRY: We’ve been very concerned about sloped floors and cracked walls in our condominium and have asked the homeowners association to have them evaluated. They called the carpenterhandyman who does most of the repairs in our complex. He said the building
looks structurally sound, but we’re not reassured and would like someone with more expertise to review the condition of our property. How should we address this situation? Darin DEAR DARIN: Asking a carpenter or handyman to render an opinion regarding structural defects in a building is equivalent to asking a nurse’s aid to diagnose a malignant carcinoma. In either case, an opinion would be unreliable, and its rendering would be illegal. Structural evaluations and medical diagnoses can be lawfully and reliably provided by qualified professionals only. Your homeowners association should have a licensed structural engineer evaluate the floors, walls and any related irregularities in your home to determine whether the problem is cosmetic or structural. To write to Barry Stone, go to www.housedetective.com. ACTION COAST PUBLISHING
require a larger investment up front, they save money and reduce energy usage in the long run.
How they work Incandescent bulbs work with a filament, or wire, that is heated with electricity inside a tube of air until the filament glows. A halogen bulb works similarly, except the filament is heated inside a halogen gas capsule, which prolongs its life. CFLs generate light by driving an electric current through a phosphor-coated glass tube that contains the gas argon and a small amount of mercury — about as much as would fit on the tip of a ballpoint pen. The mercury is necessary to absorb electrical
current and to prompt the phosphor to glow, creating light. That chemical reaction needs extra electricity when the bulb is first turned on, which is why CFLs take some time to reach full brightness. The base of each bulb must be outfitted with electronics that control the flow of electricity. LEDs are electronics. They’re illuminated by the movement of electrons inside a diode, usually a form of aluminum that can conduct electric current and generate light.
Light quality The majority of Americans have grown up with incandescent lights, which mimic natural sunlight and have a golden hue.
Incandescent bulbs come in all sorts of shapes, wattages and colors. Consumers have fewer options with CFLs and even fewer with LEDs, but choices are growing and prices are dropping.
Disposal In many U.S. cities, including Los Angeles, incandescent and halogen bulbs can be thrown in the trash. CFLs and LEDs require special treatment. CFLs contain the hazardous material mercury; in Los Angeles, they need to be taken to a Solvents/Automotive/ Flammables/Electronics center, also called a SAFE center, or dropped off at a recycling center that accepts CFLs. LEDs are electronics and need to be disposed as electronic waste, much like an old computer or television. MCCLATCHY-TRIBUNE INFORMATION SERVICES
REAL ESTATE
THE OKLAHOMAN | NEWSOK.COM
SATURDAY, NOVEMBER 19, 2011
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Obstacles complicate getting mortgage FROM WIRE REPORTS
ANAHEIM, Calif. — Homebuyers face unprecedented hurdles in qualifying for a mortgage, but getting a loan is possible for those who know how to overcome the obstacles, according to a presentation on “Cracking the Credit Code” at the 2011 Realtors Conference & Expo. Some 18 percent of Realtors have reported contract failures in recent months, double the levels of a year earlier. Contract failures are cancellations caused by declined mortgage applications, failures in loan underwriting from appraised values coming in below the negotiated price, or other problems. In many cases, understanding how the credit system works would help buyers avoid problems, said Chandra Hall, a Realtor and real estate instructor from Colorado Springs, Colo. A person’s credit score is the key to personal economic health, she said. “Your credit score can affect where you work, what car you can drive, how much you pay for insurance and where you live,” Hall said. “It’s imperative to know how credit scoring works and how to achieve the highest possible score.” Even so, Hall said many homebuyers with good credit are challenged by tight lending restrictions. “We need to get back to reasonable lending standards,” said Ron Phipps, president of the National Association of Realtors and broker-president of Phipps Realty in Warwick, R.I. “That’s why NAR, as the leading advocate for homeownership and real estate issues, is working closely with policymakers and lenders to ensure that mortgages are available and accessible for qualified buyers and real estate investors.”
Credit scores matter Credit scores are derived from payment histories using a wide range of creditors, including credit card companies, home loans, car loans and department stores. Information also is obtained from court records, which can include bankruptcy filings, tax liens and judgments. “A credit score is simply a numerical representation of your statistical likelihood to repay credit that has been extended to you,” Hall said. The most widely used model for assigning the statistical probability of repaying debt was developed by Fair Isaac & Co. and is called a FICO score. The scores range from 300 to 850; the higher the score, the better the credit rating. A newer system called VantageScore, developed by the credit reporting bureaus, has gained traction in recent years, with scores ranging from 501 to 990. The Realtors’ analysis shows the average credit score for homebuyers using conventional mortgages rose to 760 in 2010 from 717 in 2007. A score of 640 is considered to be a minimum score to get a mortgage, but varies among lenders.
Your credit score can affect where you work, what car you can drive, how much you pay for insurance and where you live. It’s imperative to know how credit scoring works and how to achieve the highest possible score.” CHANDRA HALL
REALTOR AND REAL ESTATE INSTRUCTOR
Homeowners who have experienced a foreclosure on a conventional loan can expect to have a negative credit score for at least seven years, while a foreclosure on a Federal Housing Administration loan can have a three-year impact.
Weighted average FICO scores for conventional loans purchased by Fannie Mae and Freddie Mac eased a bit in the second quarter of 2011, declining to 755, but remain well above historic norms. Less than 1 percent of loans were offered to buyers with credit scores of 620 or below, and 70 percent of loans were provided to borrowers with credit scores of 740 or higher. Twenty-five percent of Americans have credit scores below 599, almost double the level of two years ago. Homeowners who have experienced a foreclosure on a conventional loan can expect to have a negative credit score for at least seven years, while a foreclosure on a Federal Housing Administration loan can have a three-year impact. The impact for an owner in a short sale can vary widely, but is much less severe if the owner was current on the mortgage payments.
Ways to improve Realtors can help educate buyers on improving their credit score, Hall said. “Many credit reports have detrimental errors, such as duplicate items or incorrect credit limits, so it’s important to check yours,” Hall said. “If you’re planning to apply for a mortgage, don’t close an account within six to 12 months in advance. Keep older accounts, even if they’re unused, because the average age of credit accounts is a factor in scoring performance over time.”
More from the Realtors’ profile of buyers, sellers FROM WIRE REPORTS
ANAHEIM, Calif. — Other data from the 2011National Association of Realtors Profile of Home Buyers and Sellers shows:
Buyers
I Sixty-four percent of all buyers were married couples, 18 percent were single women, 10 percent single men, 7 percent unmarried couples and 1 percent other. Last year, 58 percent were married couples, 20 percent single women, 12 percent single men, 8 percent unmarried couples and 1 percent other. I Buyers searched a median of 12 weeks and visited 12 homes, both unchanged from 2010. Nine percent of recent buyers also own one or more investment properties, and 4 percent own at least one vacation home. I Seventy-seven percent of respondents purchased a detached singlefamily home, 9 percent a condo, 8 percent a town house or row house, and 6 percent some other kind of housing. The typical home had three bedrooms and two bathrooms. I Fifty-one percent of all homes purchased were in a suburb or subdivision, 18 percent were in an urban area, 18 percent in a small town, 11 percent in a rural area and 3 percent in a resort or recreation area. The median distance from the previous residence was 12 miles, the same as in the 2010 study. I More than half of
buyers considered purchasing a foreclosure but didn’t buy one for a variety of reasons: 29 percent couldn’t find the right house; 15 percent each reported poor condition and a difficult process. I Eighty-nine percent of respondents used real estate agents and brokers; this was the most common method to purchase a home. Other methods include directly from a builder, 7 percent; and directly from the previous owner, 4 percent. Sixty percent of buyers working with real estate professionals were represented by a buyer’s agent. I As demonstrated in previous studies, buyers use a wide variety of resources in searching for a home: 88 percent use the Internet, 87 percent use real estate agents, 55 percent yard signs, 45 percent attend open houses and 30 percent review print or newspaper ads. While buyers also use other resources, they generally start their search process online and then contact an agent. I The biggest factors influencing neighborhood choice were quality of the neighborhood, cited by 67 percent of buyers; convenience to jobs, 49 percent; overall affordability of homes, 45 percent; and convenience to family and friends, 39 percent. Other factors with relatively high responses include neighborhood design, 32 percent; convenience to shopping, 28 percent; quality of the school dis-
trict, 27 percent; convenience to schools, 22 percent; and convenience to entertainment or leisure activities, 21 percent. I Commuting costs continue to factor strongly into decisions regarding location, with 73 percent of buyers saying transportation costs were important. I The biggest reason people buy a home is the simple desire to own a home of their own, cited by 27 percent of respondents, including 60 percent of first-time buyers. The next biggest primary reasons for buying were desire for a larger home or a job-related move, each cited by 10 percent of respondents; a change in family situation or the affordability of homes, 8 percent each; and desire to be closer to family, friends or relatives, 7 percent.
Sellers
I The typical home seller was 53 years old with income of $101,500. Sellers moved a median distance of 20 miles, and their home was on the market for nine weeks, up from eight weeks in the 2010 profile. Forty-six percent moved to a larger home, 31 percent bought a comparably sized home and 23 percent downsized. I While sellers had been in their previous home for a median of nine years, up from eight years in the 2010 study, first-time buyers plan to stay for 10 years, and repeat buyers plan to hold their property for 15 years.
Report underlines realities of tougher loan environment FROM WIRE REPORTS
ANAHEIM, Calif. — Recent homebuyers are staying well within their means with notably higher incomes and modestly higher down payments than buyers last year due to the restrictive mortgage credit environment, a study released at the 2011 Realtors Conference & Expo reveals. The 2011 National Association of Realtors Profile of Home Buyers and Sellers is the latest in a longrunning series of national surveys evaluating demographics, preferences, marketing and experiences of recent homebuyer and sellers. Financing obstacles were more challenging for entry-level homebuyers, said Ron Phipps, president of the trade group and broker-president of Phipps Realty in Warwick, R.I. “First-time homebuyers fell to a 37 percent market share in the past year from a record high 50 percent in the 2010 study,” Phipps said. “Although last year’s findings were boosted by the homebuyer tax credit, long-term survey averages show that 4 out of 10 buyers are typically firsttime buyers. This segment is critical to a housing recovery because they help existing homeowners sell and make a trade.” Seventy-eight percent of recent homebuyers said their home is a good investment, and 45 percent believe it’s better than stocks. According to survey results, most buyers believe in the long-term value of homeownership. The study shows the median age of first-time buyers was 31 and the median income was $62,400, up from $59,900 in the 2010 study. The typical first-time buyer purchased a 1,570
square foot home costing $155,000; the estimated median monthly mortgage principal and interest payment was $794. The typical repeat buyer was 53 years old and earned $96,600, notably higher than the $87,000 median reported in the 2010 profile. Repeat buyers purchased a median 2,100square-foot home costing $219,500, with an estimated median payment of $1,006.
Freer lending urged Paul Bishop, the Realtors’ vice president of research, clarified the impact of unnecessarily restrictive mortgage credit. “The bar has been raised to qualify for a loan. Buying your first home has never been particularly easy, but with record-high housing affordability conditions and a pent-up demand, we normally would expect a stronger performance,” he said. “This underscores how important it is to open the credit spigot for creditworthy buyers. Banks simply need to get back into the business of lending. Higher home sales would help create jobs through related economic activity.” The median down payment for all homebuyers was 11 percent, ranging from 5 percent for first-
time buyers to 15 percent for repeat buyers. “The down payment size for both repeat buyers and first-time buyers was a full percentage point higher than in the 2010 study, another indication of tighter lending requirements,” Bishop said. Although overall home prices have trended lower, other survey data show the median price paid by owner-occupants is notably higher than paid by investors, who are underrepresented in the study and largely use cash to purchase heavily discounted distressed homes.
Funding sources First-time buyers who financed their purchase used a variety of resources for the down payment: 79 percent tapped into savings; 26 percent received a gift from a friend or relative, typically from their parents; and 7 percent received a loan from a relative or friend. Nine percent sold stocks or bonds and 8 percent tapped into a 401(k). Ninety-four percent of entry-level buyers chose a fixed-rate mortgage. Fifty-four percent of first-time buyers financed with a low down payment FHA mortgage, and 6 percent used the Veterans Affairs program, which requires no down payment.
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REAL ESTATE
SATURDAY, NOVEMBER 19, 2011
THE OKLAHOMAN | NEWSOK.COM
Prime jumbo borrowers most likely to default WASHINGTON — Do you have a big mortgage and good credit scores but not much equity — maybe you’re even underwater? Do you see little chance that your home’s market value will improve a lot during the coming three to seven years? If you answered yes to both questions — and thousands of homeowners across the country could do so — new research suggests that you are in a category that lenders need to worry about most: Prime jumbo borrowers who once were thought to be among the safest bets, but who now are the most likely to opt for a strategic default and walk away from their homes. In a study released Oct. 31, the ratings agency Moody’s said that based on its analysis of mortgage-backed bond portfolios, homeowners with jumbos now constitute “greater strategic default risk” than any other type of borrowers, including subprime. That’s because an exceptionally high number of jumbo owners — many in high-cost markets hit by real estate deflation over the past several years — are stuck with persistent negative equity. More than half of the jumbos analyzed by Moody’s where owners are still making payments have home market values lower than their outstanding loan balances. Jumbo loans are those that exceed the conventional limits of Fannie Mae and Freddie Mac. Nationally, that ceiling is $417,000, but in highcost areas between 2008
Kenneth Harney THE NATION’S HOUSING
and Oct. 1 of this year, conventional limits ranged as high as $729,750. The maximum in those high-cost areas is now $625,500. Meanwhile, Fair Isaac Corp., developer of the ubiquitous FICO credit score, says strategic defaults — where owners who can afford to keep paying their loans but see no economic rationale for doing so — continue to be a “growing problem.” More than an estimated 12 million mortgages are now underwater, and 30 percent of all defaults on loans are strategic, according to Joanne M. Gaskin, FICO’s predictive analytics director. Fair Isaac recently created a new type of score designed solely to spot potential strategic defaulters before they hand back the house keys. At least four of the top 10 largest lenders and servicers
In a study released Oct. 31, the ratings agency Moody’s said that based on its analysis of mortgage-backed bond portfolios, homeowners with jumbos now constitute “greater strategic default risk” than any other type of borrowers, including subprime. already are using it, contacting high-risk borrowers, offering financial solutions plus information about the costs associated with strategic walkaways. The company claims its score can spot the riskiest homeowners, some of whom show telltale characteristics that make them as much as 110 times more likely to walk away than the least-risky borrowers. Though FICO has not disclosed the specific risk combinations in the mathematical models supporting its proprietary score, the company confirms that among them are good credit scores and payment performance on debts, low balances of outstanding revolving credit, and a relatively short period of ownership
of their current homes. In an interview, Gaskin lifted the lid on the FICO black box a smidgen more. Using a wide variety of data — including property values, historical valuation trends along with standard FICO scores and other information in credit bureau files — the strategic default score essentially tries to get inside homeowners’ heads in order to predict their future behavior. “We’re trying to understand (the situation) from the consumer’s perspective,” she said. “How much have I lost on the value of my home? What is the velocity of change” — that is, how fast have I
lost market value, and is my situation getting worse? How long will it take to recapture what I’ve lost? When the answers are grim and the prospects for equity recovery distant, the probability that the owners will plot a strategic departure — often characterized by an abrupt halt to mortgage payments while staying current on credit cards and car payments — goes up sharply. “Most consumers have a pretty good idea of what the market is doing” in their local neighborhoods,” Gaskin said. What they often don’t know, however, are the penalties they face for walking away. These include triple-digit drops in their credit scores, which will hamper their ability to rent a house or obtain credit for years, plus the possibility that lenders will find a way to seek recovery of whatever they owe after foreclosure proceedings. About a dozen states, including California, restrict “defi-
ciency” recoveries. But in most states, lenders are free to pursue whatever assets they can locate, and often do so if the amount of unrecovered debt is large enough to justify the legal expenses. Ultimately, strategic default for many owners boils down to a calculation: Are the costs, financial and otherwise, worth the relief from an albatross house and mortgage? If the Moody’s study is accurate, thousands of jumbo borrowers are struggling with that very calculation right now, and a lot of them are likely to bail. Ken Harney’s email address is kenharney@earthlink.net. WASHINGTON POST WRITERS GROUP
REAL ESTATE
THE OKLAHOMAN | NEWSOK.COM
SATURDAY, NOVEMBER 19, 2011
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Re-stain deck to better handle weather Q: I have a small (12foot-by-10-foot) wooden deck in my backyard. It was stained in redwood finish about three years ago. Some areas of the deck have weathered and faded. I am planning to re-stain the deck. Any advice on preparation and staining techniques? A: If it’s been only three years, it sounds like the original material used to stain the deck might not have been of the highest quality. I would suggest cleaning and prepping the deck using a product such as Wolman’s DeckStrip (www.wolman.com), which will remove the old stain and prep the wood to receive new material. It’s pretty easy to use; just follow the package di-
Paul Bianchina HANDY @ HOME rections. Then apply a new, high-quality, UV-resistant stain that’s formulated for deck use. Depending on the weather conditions where you are, if you plan on reapplying the stain every two years you shouldn’t have any further weathering problems. Q: I have a poured block foundation under my house that has developed a few thin vertical cracks. I was wondering
how to go about fixing them. I had bad gutters and poor grading around the house. Both issues have been fixed and now I need to fix the cracks. I’ve heard of a polytype injection system that a homeowner can use as a do-it-yourself project, which consists of an epoxy paste that’s mixed and spread along the crack after adhering about eight to 10 ports along the crack. Then you let that dry and inject the poly substance into the ports, thus sealing the crack. I wondered if that would work in my situation, and, if so, where can I purchase the product? A: Unfortunately, when it comes to foundation
cracks, I always want to err on the side of caution. There are a number of good products for repairing cosmetic cracks, but the cracking can also be an indicator of deeper structural problems. As such, I would advise you to consult a licensed concrete or masonry contractor or a structural engineer to first be sure there are no structural or settling issues. If there aren’t, then the contractor or engineer can also advise you on the proper epoxy crack filler for your particular situation. Q: We have a ranch home with an attic fan on the east side of the house. We have a vent at the peak of roof and a fan about 14 to 16 inches in diameter with screening
and a louvered cover on the outside. We noticed that underneath the fan is a board that appears to be rotted. There is no mold on the outside, but the wood seems porous, and we also saw what looked like water streaks on the wood. Our bedroom below this area has a musty smell, and I am wondering if it is coming from the area under the fan. Who would I contact to come and determine whether there is mold behind it and replace it? Do I have to call a mold specialist? How about a home inspector? I am not sure if a regular carpenter would be able or want to deal with this issue. A: I would suggest a
contracting company that deals with insurance restoration work. It will have moisture detection equipment that can read the extent of moisture and how far it’s traveled, which will help you determine how extensive the damage might be and perhaps track down the source. Such companies typically are well educated in mold issues and can help you with any remediation work that needs to be done, as well as any health issues that might be present. For a good source of qualified, licensed insurance restoration contractors, ask your local homeowners insurance agent for recommendations. INMAN NEWS
Tools calculate how much energy trees can save you BY JIM CHATFIELD Akron Beacon Journal
What do trees have to do with energy? Trees and other plants are energy. They are the ultimate collectors of solar energy, using the power of the sun to produce food through photosynthesis. Plants jump-start the entire food chain with this energy, synthesizing carbon-based food by taking carbon dioxide and water and that power from the sun and producing carbohydrates for their own metabolism. In turn, this food feeds animals such as us, or animals that eat animals that ultimately ate plants. Second, trees are leafy friends that pay us back by conserving energy in our homes. For example, according to treebenefits.com, a 30-inch diameter pin oak in my yard provides $371 in annual benefits in terms of stormwater remediation, air quality benefits, carbon sequestration, enhanced property value and energy savings.
According to estimates of the Tree Benefit Calculator and the i-Tree suite of software (www.itreetools.org), those energy benefits for this one tree include estimated savings of 362 kilowatt-hours of electricity and reduced consumption of oil or natural gas by 49 therms (one therm is equal to 100,000 Btu). The estimated value of these benefits from this one tree is $75 a year. How so? According to treebenefits. com, trees modify climate and conserve building energy use in three principal ways: I Shading reduces the amount of heat absorbed and stored by buildings. I Evapotranspiration converts water to vapor and cools the air by using solar energy that would otherwise result in heating the air. I Tree canopies slow down winds, thereby reducing the amount of heat lost from a home, especially where conductivity is high (e.g., glass windows). Strategically placed trees can increase
home energy efficiency. In summer, trees shading east and west walls keep buildings cooler. In winter, allowing the sun to strike the southern side of a building can warm interior spaces. If southern walls are shaded by dense evergreen trees, there may be a resultant increase in winter heating costs. Check out the Tree Benefits Calculator for trees in your yard, your business or your school. It was developed by the Davey Tree Expert Co. of Kent, Ohio, and the Casey Tree Foundation in Washington, D.C. They developed this simple-to-use tool from research that is continually improving the models that are collectively known as the i-Tree suite of software. The i-Tree software is a partnership of the U.S. Forest Service, the National Arbor Day Foundation, the International Society of Arboriculture and the Davey Tree Expert Co. To use the Tree Benefits Calculator for an estimate of the economic value of the environmental services your tree or trees
provide, you need the ZIP code of the tree’s location (Arizona is different from Ohio), the tree species (a drop-down menu), a measurement or estimate of the diameter of the tree, and a bit more about its location (for example, whether it is in front of a home or in parkland). Direct energy savings relative to heating and cooling a house differ if the tree is in your yard or in a park. As noted at the treebenefits.com website: “The Tree Benefit Calculator is intended to be simple and accessible. As such, this tool should be considered a starting point for understanding trees’ value in the community, rather than a scientific accounting of precise values. For more detailed information on urban and community forest assessments, visit the i-Tree website.” So, enjoy your trees. Recognize their solar power and recognize how they pay us back with energy savings and other environmental benefits. MCT INFORMATION SERVICES
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REAL ESTATE
SATURDAY, NOVEMBER 19, 2011
THE OKLAHOMAN | NEWSOK.COM
Opportunities seen for second-home buyers FROM WIRE REPORTS
ANAHEIM, Calif. — A diverse set
of buyers and property types comprise the second-home sector and opportunities for second-home buyers exist in nearly every market, even in nontraditional, non-resort markets. That was the message delivered at the Resort and Second Home Forum at the 2011 Realtors Conference & Expo. Attendees at the forum heard from several experts about how to identify second-home sales opportunities in their local markets. Investment and vacation properties made up 27 percent of all home sales last year, according to the National Association of Realtors. Realtor Daniel Webster Johnson, of Breckenridge, Colo., gave an overview of his local market,
Primary residences and vacation homes can frequently change throughout the owner’s lifetime. A home that is currently considered a secondary home could easily become a primary residence to that family sometime in the future.” REALTOR DANIEL WEBSTER JOHNSON
which is largely a second home community; more than 80 percent of residences in the area are vacation homes. He offered tips on how agents can successfully market and differentiate themselves from other agents in the market and identified common financing challenges often encountered by second-home buyers, especially in high-cost
markets. “Primary residences and vacation homes can frequently change throughout the owner’s lifetime,” Johnson said. “A home that is currently considered a secondary home could easily become a primary residence to that family sometime in the future.” Richard Mendenhall, of Columbia, Mo., a former president
of the Realtors association, said that while his hometown isn’t a traditional resort town, it has a thriving second-home market, mainly driven by the university and hunting communities. The community has a large university, and many families opt to buy a home for their children while they attend school to live in rather than pay rent. Research shows that one in five second-home buyers buy the home for family members to use. Mendenhall said that second homes aren’t just for the wealthy and that homes in many non-resort communities are affordable for people who want to get away or be closer to natural attractions or recreational activities they enjoy. The national median price for a vacation home in 2010 was $150,000 according to the Realtors.
Bob Waggoner, a Realtor from Donegal, Penn., noted that pending legislation and regulations could have a devastating effect on the local resort community. The Realtors association believes that proposals calling for the elimination of the mortgage interest deduction for second homes should be rejected because it would devastate all home values in those communities. Waggoner said his area, like many other communities with a large stock of second homes, has suffered from the downturn. The high inventories of homes available for sale is depressing home prices and values, but creating more opportunities for potential buyers who have been priced out of the second-home market in the past.
Study touts benefits of owning rather than renting FROM WIRE REPORTS
ANAHEIM, Calif. — The U.S. will not become a nation of renters — there are too many benefits, both financial and otherwise, to own rather than rent. That’s according to the combined findings of several recent studies presented during the “Buyer or Renter Nation?” session at the 2011 Realtors Con-
ference & Expo. An analysis over a 31year period across 23 metropolitan areas compared the ownership benefits in terms of appreciation and interest deductibility and the costs homeowners incur with down payment, taxes, insurance and maintenance. When it was assumed that renters reinvested any savings in rent (versus a
higher monthly mortgage payment), maintenance and down payment, renters had a greater portfolio than buyers in 91 percent of the areas examined. However, when the model allowed renters to spend any savings rather than reinvest those savings, 84 percent of buyers came out ahead. “We knew that homeowners, on average, accu-
mulate more wealth than renters,” said Ken Johnson, editor of the Journal of Housing Research at Florida International University. Johnson spoke at the session and conducted the analysis with Eli Beracha. “These findings indicate that homeownership is a self-imposed savings plan. Not everyone should own a home, but from a financial perspective, people who
are planning to stay in a property over the long term can benefit from buying.” According to the most recent data from the Federal Reserve, a homeowner’s net worth is 45.9 times that of a renter’s. Another analysis conducted by Johnson, Beracha, Hilla Skiba and Mark Hirschey determined that housing affordability is at
record levels. Twentythree states are at 30-year record levels of affordability based on price-to-income ratios, and all 50 states are at 30-year record affordability levels based on mortgage payment-to-income ratios. “Homeownership is more affordable today than at anytime over the last 30 years,” Johnson said.
REAL ESTATE
THE OKLAHOMAN | NEWSOK.COM
SATURDAY, NOVEMBER 19, 2011
9F
Sloppy home offices make work harder BY CLAUDIA BUCK McClatchy News Service
PRO ORGANIZERS
SACRAMENTO, Calif. — As home offices go, Dianna Lovelace’s work space wasn’t the messiest. But every time the Rancho Cordova, Calif., mother and pastor’s wife wanted to pay a bill, do some writing or work on a project, the clutter crowded out her ability to concentrate. Like many of us, the energetic mom, who also runs a women’s ministry and teaches motivational workshops, could never find the time to get on top of her home office clutter. And in her otherwise spotless home, it showed. The desktop was covered with family photos, piles of paper, bills, school notices. The wall-to-wall shelves were crammed with books, binders, old phone books, family mementos, magazines, even a wedding bouquet. And the floor? It was a holding station for accumulated household stuff: last year’s Christmas wreath, a bedroom comforter, the vacuum cleaner, Goodwill donations, a bag of to-beshredded papers and 15 years’ worth of women’s conference materials. “All I want is peace … and to be able to multitask a little easier,” exclaimed Lovelace, who said she procrastinated several years before hiring Tonya Piper, a professional organizer.
If you want outside help in organizing your home, office or garage, check the National Association of Professional Organizers’ website for links to local organizers.
Acreage For Sale
302
LAND IS BEST DEER ARE BETTER For Sale Western Okla. DeerFarm-EmergencySale 80 acres with ponds, water creek & Deer. Camera says 9 does & 3 1/2 buck but leased 2011 hunting also holding 20 acres with lots of building if you want a great get away home later someday. I'm planning to move near daughter in SA. No Minerals. 5 trucks, 2 buses on Bluff, & archery at head of little pond, you plant 5 acres of peas usually with my free equipment. Many at all time low. Interest will probably go up per experts. 30 miles North of Clinton on Hwy 183 K mile off Hwy 183. Call Joe at 580-582-6305 or lv. msg. Best offer over $125,000 with right to hunt on my 20 acres, 100 acre all cedar & grass. Seven per seven, land is 80%-90% accessible by driving over dam. Cedar Creek Ranch. You Must see this! Also has Indian Spring on Land. HUNTING HUNTING 40A Caddo Co. $40,000 40A Caddo Co $60,000 160A Irrigation potential Tillman Co $1700/acre 160A Caddo Co $200,000 255A near Chickasha$565,000 320A Caddo Co $384,000 320A Kiowa Co, mountain & valley. Scenic $480,000 320A Wichita Mtn, remote & refuge like $480,000 320A KingfisherCo$480,000 910A Excellent Hunting & Pasture $795/acre HUNTING LAND LEASE 40A Caddo Co $500 160A Tillman Co $2000 2 GIRL SCOUT CAMPS 1 Near OKC Exceptionally Gorgeous $770K-$990K Tumbleweed Terr. RE John McElroy 580-569-4213 35 ac in Sherman TX on US 75 3500 sq ft stone/cedar bldg. Former golf center. Divorce forces sale - 1/2 market valuation. Owner Financing. www. cedarbrook-texas.com PIEDMONT OPEN SAT 2-4 & 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 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 HOMES WITH LAND 2bd 4O A 1O bath cellar 4bd 1N A 1O bath trees 2bd M/H 3O A large trees 2-3bd 2K A animal shed 2bd unfin 5A private Milburn o/a 275-1695 OWNER FINANCING 1-10 Acres Many Locations Call for maps 405-273-5777 www.property4sale.com 9481 Lakeridge Dr Guthrie, OK 3bd/2bth Mobile Home on 2.5 acres (m/l) Woodlake Properties 273-5777 Norman: Extra Sharp 2bd Home w/1car garage, tastefully decorated, ch/a, park like O acre lot, nice area, only $93,900 Fidelity RE 410-4300, 692-1661 480 acres in Cimarron Co. OK. Pasture & CRP. Hunting oppty. Income producing CRP contract. $425/acre. Call Jay at 405-613-7948.
Mustang
319
Call for Maps! See why we sell more acreages than anyone in Okla. E of OKC. o/a 275-1695 5 ACRES FOR SALE in Jones, Ok. Pleasant area, 631-3385
OKC Northeast
Condominiums, Townhouses For Sale 304 302
That’s a typical response. “It’s overwhelming for many people. Sometimes they just need permission to get rid of their ‘stuff,’” said Piper, owner of Control C.H.A.O.S., a former engineer who has been a professional organizer for churches, homes and offices the past five years. A home office, whether it’s a corner table or an entire room, is the place where every document of your life, from bills to health care to school, needs a place to roost. Getting it organized can free up usable space and result in less time and money spent looking for lost items or buying replacements. The mantra of every personal organizer: Everything in your house needs its own home, including every piece of paper you keep. And even then, we keep too much. “People like to pile, instead of file,” said Ann Nagel, the Elk Grove, Calif., owner of Organize
OPEN SUN 2-5 926 W Griggs Way 3bd 2ba 1car 934sf Many updates. $83,900 1st United OK Realtors, Becky 834-6568
2 tracts: 40 and 80 acres, will divide, Tuttle School District, 405-574-2414.
Acreage For Sale
WWW.NAPO.NET/.
Condo NW 51 & Portland 2bed, 1.5ba, 990sf, 2nd floor, carpeted, A/C, pool. Water, gas heat, trash paid. Quiet, no pets. $27k to buy or $580/m to lease. 210-1724.
Farms, Ranches For Sale, Okla. 308 VINYARD/FRUIT/ VEGETABLE FARM BUSINESS. ON-GOING Well loc. on old Rt 66 You can make your dreams happen here! 405-820-0884 185ac. pasture land, live crk, 3 ponds, 30% wooded, $1500/ac. S. of Lindsay, Ok. Bob, 405-830-1473
Farms, Ranches For Sale Out-of-State 309
1891 Limestone Home on
184 Ac.
Chase Co, Elmdale, Kansas 647 Middle Creek Rd. 3 story limestone home with 4 bed, 3baths, 2592 sq. ft. Fully refurbished, Furnished in period style. Outbuildings. Middle Creek, wildlife habitat, #1 cropland acres. Selling at AUCTION on DECEMBER 1, 2011 @7pm. Swope Park Cottonwood Falls, Ks. Showing anytime-Open House Sat. and Sun Nov 12-13 1-5pm. Griffin Real Estate & Auction Service LC 305 Broadway Cottonwood Falls, Ks. Rick Griffin, broker and auctioneer. office 620-273-6421, cell 620-343-0473. see www. GriffinRealEstateAuction.com for full salebill, terms and photos.
RE for sale Blanchard
311.5
2/3 bed, 1bath, ch&a, clean, $38,500. 606-5024 www.myhouseokc.com Will consider lse purch. opt.
Choctaw
312
Tri-level 4/3/2 workshop .80 acre 1969sf, 2008 roof, outbuildings. Closing costs $97K Rlty Exprts 414-8753
Del City
313
FHA/VA Financing Avail Updated 4/2/1 near Tinker ch/a, new paint, carpet. Warranty + closing costs $69.9KRlty Exprts 414-8753
Edmond
314
FSBO NICE QUIET AREA in Valhalla between 15th & 2nd off Western. 3 bedroom, 2 bath, large living area, kitchen with custom cabinets. 1555 sqft. Back patio & real nice back yard, $153,000 405-330-1625, 834-8126
MWC
317
•1710 N Douglas, 3/1, 30K, •508 Christine 3/1 + 800’ bldg, 27.5K 417-2176 www.homesofokcinc.com Home for Sale 121 Leonard Ln LR&Den w/FP CH/A 2B 1.5b 2-CGar $120K 405.802.1525 OWNER CARRY 3bd 1ba 1car ch&a fncd $3K dwn 1301 Mcgregor 348-2108
323
5 Acres 4500sf Deercreek Schls. Custom Swimming pool. $219,000¡ 301-6495 3bed Stone w/hardwood flrs. det. gar. good cond $33,500 cash 301-6495
OKC Northwest
324
Beautiful 2bd 2ba 2car wood fire. fncd yd. Wetbar, wood deck Xtras! Like new Bob 410-5413 Be smart dont miss $164K Nice 3bd Brick Home 2ba 2car in excellent well maintained area. Only $69,900 Fidelity Real Est 410-4300, 692-1661 Bank Owned 3/2/2 2035sf + enclosed patio/sauna, corner lot, PC Sch $104.9k Realty Experts 414-8753 Owner carry 4621 NW 33 TR 4/2.5/2 • 417-2176 www.homesofokcinc.com
OKC Southwest
326
OWNER FINANCING $2000 down No Credit Ck 2509 SW 39 3/1 $51,000 596-4599 » 410-8840 Rent to own 2-3 bed, Okc Call for appt. Best Way Now Realtors 634-1100. 2 separate houses on 3/4 acre lot. Good roofs. $37,900 cash 301-6495 5824 S. Shartel Avenue Very Nice 2 bed, 1 bath, 1 car $43,500 ¡ 550-2145
Piedmont
327
Just listed 4/3K /3 approx 4863' on 1 ac mol great buy @ $399,000 3/2/2 approx 2001' cul-de-sac approx 1729' on 1 ac mol big trees $155,000 Carmen Cleaton & Assoc 373-2494
Tuttle/ Newcastle
329
Beautiful home on acreage in Newcastle. 15 min to OKC or Norman 2239 Park Ave 5bed, 2.5ba, 2717sqft 2006 1.04 ac., $295,000 Jami Woodall MLS#470666 405-274-2161
Open Houses 334.2 PIEDMONT OPEN SAT 2-4 & 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
Industrial Property
336
PRIME HUNTING Dewey County - 185 acres for sale, has 8' steel with woven wire fence. Great commercial or personal hunting. Berny Sander Real Estate 580-922-4951 40 ACRES HUGHES CO. $30,000 or best offer. 405-886-1643 S. Texas ranch, 11000+/ac, great hunting & fishing, Broker 254-770-8770
Mobile Home Parks Community /Acreages 338
$100 lot rent for 6 months. Move Your Mobile Home FREE!
Or...$5000 towards a New Home. 9 Communities in NW, SW, SE (Moore), MWC, Choctaw...Offer Expires 10-31. Call for details 405.326.5728
Mobile Homes, Manufactured Houses 339 Special Gov't Program! Own Land/Family Land ZERO DN! Instant Rebates up to $10,000. Use for lower price, furniture, land improvement. Huge Savings! New & Repo Homes avail. E-Z process & app by phone. WAC 405-631-7600
Dianna Lovelace hired professional organizer Tanya Piper, right, to do a makeover of her home office in Rancho Cordova, Calif. MCCLATCHY-TRIBUNE PHOTO
With Ann, who has seen clients’ homes with paper piled on window sills, dining room tables, bathroom floors and just about any flat surface. The most typical — but worst — place, she said, is the kitchen counter, where papers easily get wet or spilled on. “About 95 percent of what we file, we never look at again. But it’s taking up valuable real estate in our home office,” said Nagel, who turned to professional orga-
Commercial RE Business Property For Sale 351 3 Unit bldg zoned Commcl 4000+ sf » recent updates. 9312, 9314; 9316 N Francis OKC 73114. » 848-3377
Commercial Property For Sale Commercial Property
Own your own home for le$$ than you pay in rent 3 bd Double on Corner Lot $428/mo financing avail. 405-324-8010 $5000 Towards Your New Home! You Pick the Home, You Pick the Lot! 9 MH Communities in SW/NW/SE (Moore) MWC/Choctaw. Call for Details 405.326.5728
**$549/mo Including Lot** 3bed/Quiet Area/Great Schools 405-324-8000 THCOK.COM
About to Repo 2bd/2bth, Large Living, Fenced Yard $324/mo. ready now wac. 405-577-2884 14x66 2 BED, 1 BATH big fenced in yard, all electric, good wood heat stove, Arrowhead Estates, Canadian, Ok 918-339-6375 312 S. Carney Carney, OK 3bd/2bth Mobile Home on large lot Woodlake Properties 273-5777 3 Bed, 2 Bath ready! Granada Village MHP Cash Sales Price $9,999! www.midstatehousing.com 405.527.5669
AUCTION $25,000 Opening Bid
Fri, Nov 18th 1 pm I-35 & Hwy 33 Guthrie
1.89 Acres Commercial Zoned Land facing I-35 with additional access by cul-de-sac. Located at the NW corner of I-35 & Hwy 33. Land is visible from the south bound exit ramp of I-35. RE Terms: 10% Down day of Auction, Close in 30 days. Directions: From I-35 & Hwy 33, West to 2nd right (Heather Road), 3rd right, just North of Pizza Hut
20bid30.com 918/639-7653 Keller Williams Realty Bid Loud Auctions
3300sf Robinson&Berry cafe/med/etc Lease/Sale Norman 918-636-4645
Established Business For Sale Restaurant Lease or Sale Robinson&Berry-Norman 3300sq ft 918-636-4645 Very Nice fully equipped restaurant on Hwy 287 near Wichita Falls $299,000 ¡ 940-337-4993
Business Property For Rent 360
OKC Northeast
430
719K NE 14th, studio or efficiency, $400, all bills paid, call 405-409-0462.
OKC Northwest
431
$100 Off
1st Mo Rent 1&2 Bedrooms Furnished & Unfurnished NEWLY REMODELED GATED COMMUNITY
CAVE CREEK ON ROCKWELL 3037 North Rockwell
495-2000 $100 off
1st Mo Rent Selected Units LARGE TOWNHOMES & APARTMENTS • Washer, Dryers, pools • PC Schools, fireplaces
WILLIAMSBURG 7301 NW 23rd
787-1620 Walford Apts-Midtown518 NW 12 large 1bd 1ba 1100sf $850mo $750dep washer/dryer hookup. Studio 600sf $650mo $400 dep. Basement efficiency $400mo $300dp 409-7989 $169 FIRST MONTH Huge floor plans FREE > NO APP FEE 416-5259 TUSCANY VILLAGE »» ALL BILLS PAID »» Simply Wonderful $9 APP FEE 293-3693 DREXEL ON THE PARK
$79 SPECIAL!! Newly remodeled 1 2 & 3 beds Putnam Green 405-721-2210 $99 FIRST MONTH 2B-1B, New Make Over $9 APP FEE THE BELMONT 455-8150
Abandoned D/W set up on 3.3 Acres All improvements & huge deck. Ready to move in!! 405-631-7600
New I-35 frontage bldg for rent: ofc/shop/whse, 1900sf $800mo 412-7665
Zero Down! Rent to own Beautiful 3bd/2ba, $750 OKC, 940.343.5826
Hair salon, Memorial and N Western area, partially furnished, call or text 414-7585
Over 70 Foreclosures on Land or 0 down w/ your land. wac 405-631-3200
Industrial Property For Rent 361
Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 370-1077
Repo DW 32x70 4 or 5bd Call 517-5000, 517-5003
WAREHOUSE / OFFICE 4609 S. Rockwell, 2856sf whse + 5 nice ofcs, O/H strg $1000mo Gene, 359-4966
» MOVE IN SPECIAL » LARGE 1, 2 & 3 BEDS Rockwell Arms, 787-1423
Office Space For Rent
MAYFAIR Great location! 1/2 bd W/D hdwd flr quiet secure ngbrhood ¡947-5665
Doublewide 3/2, $8900 Call 517-5000, 517-5003 Rent to Own: Nice 2&3bd MWC $350&up 390-9777
Real Estate Auctions
342
REAL ESTATE
AUCTIONS Sat. Nov. 19, 2011 #1: 700 N. Rockwell, OKC, 10:30 A.M. On Location Two Tracts of Undevoloped Residential property offered in two tracts and then in combination. #2: 3100 S. Frisco Road, Yukon, Ok. 1:30 P.M. On Location. 5.2 Acres of Agriculturely Zoned Property. 40X60 Metal Building w/1 Bdrm Apt, (Never Lived In), Water Well Septic, and Great Building Site. For Info on either Property call or see: REDING'S AUCTION redingsauction.com
363
1250 sqft, 2 offices, large reception, storage, $550/mo., North 39th & Lincoln •• 405-627-6914 GREAT Office Space Various NW locations 300-6000sf 946-2516
NICE BRICK HOME - OKC 6024 N Meridian Place Household Furnishings, Pinball Machines MON., NOV. 28th 10 AM Preview: 11/13, 27 2-3pm & 11/22 5:30-6:30pm 866-874-7100 LippardAuctions.com
Real Estate Notices
345
I BUY HOUSES Any condition. No cost to U 410-5700
Real Estate Wanted
346
I BUY & SELL HOUSES 27 YRS EXP 650-7667 HOMESOFOKCINC.COM
Quiet Casady!
2 bed $575
751-8088
•ABC• Affordable, Bug free, Clean » 787-7212» 800 N. Meridian 1bd All bills paid 946-9506 1bd 1ba $350mo, stove, fridge, very clean 818-4089
OKC Southwest
433
»»»»»»»»»»»»» » Bills Paid 681-7561 » » 1 bd From $550 Move» » 2 bd From $650 In» » 3 bd From $740 Today» » Call for Special » »»»»»»»»»»»»
405-262-2412
AUCTION
Briargate Apts 1bd 1ba 850sf, wood floors, elec only $525mo $250 dep, 409-7989 No Sec 8
Apartments Bethany/ Warr Acres 420.5 $99 Move In Special 1 & 2bds, carports, coin lndry $345-445 470-3535
Edmond
422
MOVE IN NOW! Pd. water/garbage Quiet. Try Plaza East•341-4813
MWC
424
$200 OFF RENT 1 & 2 bedrooms. Spring Tree Apartments. 405-737-8172. Free Month Rent! 1&2bd QUIET! Covered Parking Great Schools! 732-1122
523.5 SW 26 (&Walker) 1bed 1ba 800sf garage apt $325/mo $175 dep 409-7989 no sec 8 FREE ONE MONTH! 2 Bed, Carports/Gated While it Lasts! 416.5257 MOMENTUM PROP MGMT 1 & 2 bedrooms, D&S Apts., 6101 S. Klein Ave., ch&a, No Sec 8. No Pets. 631-2383 . $99 SPECIAL Lg 1bdr, stove, refrig., clean, walk to shops. $345 mo. 632-9849 Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 370-1077 $99 Move In Special!!! Lg 1 and 2 Bdr, $345 to $420 mo. 632-9849 San-Tee Apts, Sm. Eff, $275 a month 685-2909
nizing after 30 years as a legal and corporate secretary. When tackling a home office organization, there are two necessities: a good filing cabinet and a commitment to purge paper. To begin, spread your piles on the bed or floor and sort by category: taxes, insurance, bills, owners’ manuals, etc. Use sticky notes to label piles. Once they’re sorted, create subcategories. For instance, un-
Yukon
438
Del City
465.5
»»»»»»»»»»»»» » Bills Paid 354-5855 » » 1 bd From $550 Move» » 2 bd From $650 In» » 3 bd From $740 Today» » Call for Specials » »»»»»»»»»»»»
3420 Lazy Lane 4/3 + sunroom. $750/mo $350 dep, Sec 8 ok, 324-2611.
Condominiums, Townhouses For Rent 441
4100 Kim Dr. 3 BR, 1.5 BA, ch&a, gar, large yard, no pets, $725+dep, 672-8996
8012 NW 7th Pl Unit 324 Thousand Oaks Condos (1 blk W of Council on NW 10th) Extra sharp 1bd washer, dryer, fridge, stove, storage closet, wood deck. Tenant pays elect only, $500. Fidelity RE 410-4300, 692-1661 11431 Springhollow Rd downstairs 1 bd 1ba $565 RedbudRealEstate.com or 748-8520
Duplexes MWC
446
Oldetowne » 2bd 1ba 9129 Pepperdine attach gar. 2 mi. to Tinker 769-7177
OKC Northeast
452
1708K NE 15th, 1 bed, 1 living, 1 bath, 1 kitchen, $380 month + water & electric, 405-474-1904.
OKC Northwest
453
Nice brick home, 3/1.5/2, fenced bkyrd, ch&a, new paint, sec 8 ok, 990-6016
2 bd, W/D hkup, stove, refrig, 1428 Mallard, $450, $200 dep. 202-5180 $595 2bd 1ba, very clean, stove, fridge 818-4089 2629 Teal Dr. 2bd 1bath, $475 a month 408-5836
Edmond
466
2256 Melody 4/2/2 $1450 2109 Gebron 3/2/2 $950 1105 Jamestown3/2/2$1195 21922Hmsteadrs3/2/2$1095 Express Realty 844-6101 www.expressrealtyok.com Summit Park lowest rent 15612 hyde parke150th& penn 2190sf 4b/2b tshelter $1595 302-5318171 3/2/2, very beautiful home in nice area, all ceramic, Edmond Schools. 749-0603 3/2/2, 1400sf mol, all elect, ch/a, 308 Cherryvale Rd $995mo $995dep 370-1077 3bd 2ba 2din or liv beaut sml yard, Edm Schls $1500+ dep. 651-9914 Beautiful home!! 3BD/2BA/2Car Excellent nghbrhd.$950.593-1432 3 bed, 2 bath, 2 car, 1450 sf, $1000 mo. Call Alex 990-0488
» Large 2 bd » 2 K ba » 1500 sf, fp, wet bar, 2 car, PC Schools » $820/mo, No Section 8. 831-8218 7000 Pebble Lane, OKC
Harrah
New Luxury Duplex 13516 Brandon Place 3/2/2, fp, Deer Creek Schls, near Mercy842-7300
3bd 2ba 1car fncd yard ch&a 20900 SE 59 $675mo + dep. 412-7013
Must See! Lrg 2bd liv din stov/frig h/w flrs NW 18/ Penn $545 No pets 301-5979 Nice 2bd, FP, ch&a, appls near OCU. Long-term lease $475mo 250-2770 7513 NW 113 Pl 2/2/1, ch&a fncd, new remd, all apl, no sec 8 $750+dp 301-4695 1 BED, 1 BATH, ''Almost Gingerbread' $450 month » 787-7029 902 and 908 N. Gardner 3bd, 1.75 baths, fireplace $550/mo 408-5836 2621 NW 50th 2bd 2ba 1car 1200sf, $950, $800 dep, no Sec 8 409-7989
OKC Southeast
454
3br 1.5ba 1car, ch&a, remodel, $650/mo $600dep $35 app fee 721-6601
Yukon
460
Luxury Town Homes 2-3 bed, 2 bath, 2car garan full size w/d, gated from $800. 789-3705 Duplexes, 3 bed, 2 bath, 2 car, some new, some gated, call Rick, 405-830-3789.
Garage Apartments
461
SW OKC, Furnished eff., $450/month. Bills paid. Call 405-236-8257.
Hotels/Motels 462 Furnished/Unfurnished Bills Paid » Wkly/Monthly Wes Chase Apts, Elk Horn Apts, Hillcrest 370-1077
RE for rent Bethany/ Warr Acres 464.5 5907 NW 40th, 3bd, 1ba, ch&a, fncd yrd, W/D hkup, $650, no Sec 8. 921-6981
Del City
465.5
Houses All Areas- Free List 4 bed from $595-1295 3 bed from $495-995 2 bed from $395-795 605-5477 2545 SW 59th 1920 Karen Dr 2/1 2208 Doris 2/1 3921 Pearl Way 3/1/1 837 Scott St 3/2/1 681-7272
$425 $450 $650 $750
466.5
MWC
468
408 Babb, 1 bed duplex near TAFB, Mid-Del Schls, 1ba, CH&A, W/D hkup, fenced backyard, $445/mo. 405-413-1834. Houses All Areas- Free List 4 bed from $595-1295 3 bed from $495-995 2 bed from $395-795 605-5477 2545 SW 59th 1305PinewoodCt3/1/1 $550 321 Silverwood 3/1/2 $650 681-7272 1016 Willowbrook 3bd 1.5 baths w/den $750/mo 408-5836 3 Bd, 2 Ba, 2 car, big yrd, Carl Albert schls, $750/mo. 972-222-9656, leave msg.
Moore
469
4bd, 1K ba, 1 car, 2 carport, fp, 1400sf, walk to school, $850/mo + $850 dep. Background & income check. No pets. 473-6400 1004 Nail Parkway 3/1/1 + den. $695/mo $350dep, Sec 8 ok, 324-2611. Nice 4bd, 2ba, brick, 2200sf, Moore Schools, $1,400 mo/$1,000dep. 833-5510 8713 Woodbend 4/2/2 1840sf fp$1275+dep WAC Home&RanchRlty 794-7777 220 S. Norman, 3 bd, 1 bath, 1 car garage, $695/mo 408-5836 909 SE 14th 3/1/1 681-7272
Newalla
$625
471
der “Insurance,” you might have separate files: “InsuranceHealth,” “Insurance-Life,” “Insurance-Home.” Ultimately, those piles should go into a permanent home inside labeled folders in a filing cabinet. Create a filing system that works for you. Some people need a file for resumes, airline rewards, gym memberships, Social Security. Some like organizing files alphabetically, by color or category.
OKC Northwest
475
325 SW 92nd Extra sharp spacious 2bd patio home w/2ba 2car garage, ch/a, fp only $950 Fidelity RE 410-4300, 692-1661
2930 NW 12th large 1bd duplex, water paid $395 3232 NW 28th 2/1 $475 1445 N Bradley 3/1.5/2$900 681-7272
Houses All Areas- Free List 4 bed from $595-1295 3 bed from $495-995 2 bed from $395-795 605-5477 2545 SW 59th
3220 NW 33rd sharp 2bd home, 1car, nice area, fresh paint. Only $495 Fidelity410-4300, 692-1661
8504 Wakefield Spacious 2bd home 2ba 1car brick ch/a Westmoore Schools $650 Fidelity Real Estate 410-4300, 692-1661
New Home 8604 NW 125 3/2.5/3, 2620sf, study, bonus, $2200mo $2200dp $500 pet 245-6857 Nice, quiet area, 3 bed, 1K bath, nice pool, double carport, $975 month + $975 deposit. 728-1589 1333 NW 105 St. 3bd, 2ba, 2car gar, ch&a, w/d hkup, $800+ $800 dep, no pets, no sec 8, 519-2845 3325 NW 26th Clean upstairs 2bed 1.5 bath ch&a $600mo + $300dep + app fee. 602-0603
OKC Northwest
475
7525 NW 134 3/2/2 $1495 808 Markwell 3/2/2 $825 12304WalnutCrk3/2/2 $995 14329 N Penn 1/1 $550 Express Realty 844-6101 www.expressrealtyok.com
1420 Williams Dr. Real nice 2bed 1bath, gar, no pets no section 8 $575mo $500 dep. 691-5479 1709 SW 16th, 2bd 1 bath, garage, $425 a month 408-5836
712 Anita $750mo 3/2/2 No Section 8, ch&a 313-4839 or 495-1389
Rental List at 4524 S May 1-4 Beds from $325-950 SW Home Rentals 681-7272
1018 N. Lackey 2bed, 1ba, $475 Call 903-523-9060--No Sec.8
3205 Independence 2/1$550 3700 SW 42nd 3/1.75 $750 681-7272
4204 NW 53 1bd 1ba $550 RedbudRealEstate.com or 748-8520
3br 2ba, ch&a, $700 + $700 dep 3009 SW 60 no pets no Sec 8 691-4528
432 NW 116th 3bd 2ba 2car 1300sf $850mo $800 dep, no Sec 8 409-7989
1342 Broderson Cir. 3bd 1.5 bath 1 car garage, $625 a month. 408-5836
9417 N. McKinley 2bd 1 bath $550 a month. 408-5836
3304 SW 50th St. 4bed (NO SEC 8) new remodel, good area $750mo 721-3757
Sect 8 accepted! 1135 NW 9th, 4bd, 2ba Homes4lease 917-9002
2905 SW 52, 3bd, 1 bath, $575/mo 408-5836
2/1/1, $500/month, CH&A, washer & dryer hook up. 405-831-0207
3315 1/2 SW 28th 2bd apt upstairs, all bills pd $575/mo 408-5836
NW 123rd St, 3 bd, 2 ba, 2 car, office, living, laundry, $1250mo 850-6085
1-3 bed houses & apts, SW & SE Okc, Best Way Now Realtors, 634-1100.
Nice 3 bd 1 ba 1 car, CH/A, 1037 Hoyt 732-3411
Village/ Nichols Hills 481.5
4 bed, 2 bath, 1825 NW 22nd, ch&a, $1000 mo + dep, 822-4271. 3009 Somerset Pl. 5bd, 3ba, ch&a, remod. $1500 mo. $1000dep. 812-4299 3bed & office 2bath 9 rooms $750, 1137 NW 26 205-3379 or 396-8608.
House Available Now 2bed, 1ba, Garage, Central heat and air; NO pets; $625 rent, $625 deposit; call 405-249-7496 1119 Park Manor 3 bed, 2 full & 3 half baths, 2car, office, wd flrs, $1650mo, $1500dp TMS Prop348-0720
Lovely 3BR home 1700sf in classy area $965 255-4300
Norman
Picnic in backyard! 3bd duplex 1800sf $845 255-4300
1229 Sumac, 2000+ sf executive home, 3bd 2ba 2 living, 2 car, on nicely landscaped cul-de-sac lot, $1350 mo Fidelity RE 410-4300, 692-1661
Exceptional 3bd 2ba home 1900sf $1075 255-4300
OKC Southeast
476
•3324 SE 57, 3 or 4 bd 1.5 ba $700 •5533 Huddleston, 3 bd 2 ba 2 car $900 •4201 SE 45, 3/1 $550 732-3411 Houses All Areas- Free List 4 bed from $595-1295 3 bed from $495-995 2 bed from $395-795 605-5477 2545 SW 59th 522 SE 48th, 3 bed, 2 bath, CH&A, washer/dryer hookup w/ appliances, 405-501-6570
2 bed Trailer, 1bed house $400mo ea, $150dep. water/garbage pd. Refs req'd. 321-4773
4810 Casper, Nice 3/1/1 CH/A $600 • 732-3411
3 bed, 1 3/4 bath, large dining area, 2 car garage, large backyard, $850 mo + deposit, 605-9338
2504 SW 32, 3 bd, 1.5 bath, $575/mo 408-5836
OKC Northeast
1215 NE 46 3/1.5/2 $795 681-7272
2909 SW 40th sharp 3bd home, ch/a, fresh paint nice well kept area, only $550 Fidelity Real Estate 410-4300, 692-1661
3b 2b 2c, FP, new crpt& paint, big kit, 4317 Holiday Pl. $1000 830-3399
1404 SE 41st, 3 bed, 1 bath, large backyard, W/D hkup w/appliances, ch&a ¡ 501-6570
1020 Clover Ln 1200sf 3bed 2ba $775 mo, $600 dep 409-7989 no sec 8
477
3232 Brushcreek in Quail Creek on the golf course, 3 bd, 2.5 ba, 2 cr, 1 FP, $2275 mo, $2000 dep, 831-0825.
17456 Blackjack Rdg 3/2/2 1600sf $1000+dep WAC Home&RanchRlty 794-7777
474
OKC Southwest
2/1+bonus rm 900sf, 2.5ac no horses $625+dep WAC Home&RanchRlty 794-7777 29 SE 33rd 1/1 824 SE 22nd 1/1 681-7272
OKC Southwest
$350 $375
477
528 SW 102nd Spacious 3bd home 2ba 2car, large kitchen w/center island, fireplace, great area, Westmoore Schls. Only $1250 Fidelity Real Est 410-4300, 692-1661
473
1724 Marian 3bd + bonus 1bath $775+dep WAC Home&RanchRlty 794-7777
Yukon
482
Brand new luxury house, 3020 Brookstone Lakes Drive, 3 bed, 2 bath, 3 car, granite counter tops, fireplace, stainless appliances, corner lot, $1550 month, $1550 dep, ready 12/1/11, 405-816-7020. 408 Walnut, 3bd, 1 3/4ba 2c garage, $800+$600 deposit, no pets, no section 8, 405-830-1223
Mobile Home Rentals 483 Rent to Own: Nice 2&3bd MWC $350&up 390-9777
Rooms For Rent
489
Open minded Female wants roommate to share house, smoking okay, $400 mo utilities included, 326-9114 Moore-Room for Rent For details call 405-799-0071.
Storage Units
489.7
BOAT STORAGE 4131 NW 23rd Street Enclosed Secure 405-365-3889
10F
SATURDAY, NOVEMBER 19, 2011
Permits Oklahoma City Smith & Pickel, 6201 N Shartel Ave., parking, erect, $25 million. Smith & Pickel, 6000 N Shartel Ave., office-warehouse, erect, $23 million. Smith & Pickel, 6140 N Western Ave., office, erect, $15 million. Holder Flintco, 333 W Sheridan Ave., restaurant, remodel, $11 million. Hornbeek Blatt Architects, 8400 Greystone Ave., school, add-on, $2,998,000. Savannah Builders LLC, 11301 E Memorial Road, residence, erect, $1,400,000. Hobby Lobby, 3700 S Council Road, warehouse, remodel, $1,049,430. Triad Design Group, 636 NE 41, assembly hall, remodel, $917,000. Hixon Construction, 6601 W Wilshire Blvd., office-warehouse, add-on, $900,000. Coleman Homes Inc., 12100 Slash Pine Drive, residence, erect, $889,000. Art Jillson General Construction, 12478 Trail Oaks Drive, apartment, erect, $800,000. Flintco, 535 NW 9, hospital, remodel, $650,000. Katleron Construction Inc., 13915 Lago Strada, residence, erect, $550,000. The Roberts Group, 16320 Morningside Drive, residence, erect, $535,000. Candelaria Foster LLC, 2737 Guilford Lane, residence, add-on, $520,000. Onpoint Construction, 8916 Legacy Crossing Drive, residence, erect, $400,000. Johnston Builders, 9204 N Kelley Ave., office, erect, $350,000. Jason Powers Homes, 11100 Sturbridge Road, residence, erect, $250,000. Landmark Construction, 1200 E Interstate 240 Service Road, accessory, erect, $250,000. 4 Corners Construction LLC, 14616 Almond Valley Drive, residence, erect, $235,000. J.W. Mashburn Development Inc., 5621 NW 121 Circle, residence, erect, $230,000. Claud Cypert Construction Co., 11405 NW 113 Court, residence, erect, $226,000. Claud Cypert Construction Co., 9700 Russell Drive, residence, erect, $225,000. McDermott Construction Co. LLC, 9221 NW 99, residence, erect, $220,000. 4 Corners Construction LLC, 5825 SE 144, residence, erect, $220,000. Seagull Homes, 13105 Cottingham Road, residence, erect, $210,000. The RLA Co. Inc., 7405 Noah Parkway, residence, erect, $210,000. Oklahoma Diamond Group LLC, 11808 Cherry Point Lane, residence, erect, $200,000. R&R Homes LLC, 13116 NW 1 Terrace, residence, erect, $200,000. First Star Homes, doing business as Turner & Son Homes, 16300 S Harrah Road, residence, erect, $198,350. Coy League Homes Inc., 12713 NW 5, residence, erect, $190,000. John Davis Custom Homes LLC, 8700 Acre View Drive, residence, erect, $190,000. League Custom Homes LLC, 12721 NW 6, residence, erect, $190,000. Taber Built Homes LLC, 19220 Blossom Court, residence, erect, $190,000. Duane Smith, 15525 Colonia Bella Drive, residence, erect, $185,000. RW Custom Homes LLC, 1813 NW 195 Circle, residence, erect, $185,000. Worthington Homes LLC, 3216 Wexford Ave., residence, erect, $185,000. Taber Built Homes LLC, 19216 Blossom Court, residence, erect, $180,000. D.R. Horton, 4208 Shelton Terrace, residence, erect, $178,300. Mashburn Faires Homes LLC, 3105 SW 135 Terrace, residence, erect, $177,200. Worthington Homes LLC, 3000 Chesterfield Place, residence, erect, $170,000. Woods United Homes LLC, 28 SW 174, residence, erect, $165,000. Gary Owens Carpet & Construction Inc., 11917 SW 18, residence, erect,
$160,000. Denise Patterson Custom Homes, 3408 NW 164 Terrace, residence, erect, $156,500. Sun Contracting LLC, 216 SW 174, residence, erect, $155,000. Mashburn Faires Homes LLC, 17225 Aragon Lane, residence, erect, $150,000. Midtown Builders LLC, 425 NW 7, office, remodel, $150,000. Mashburn Faires Homes LLC, 3001 SW 139, residence, erect, $144,000. Mashburn Faires Homes LLC, 2929 SW 139, residence, erect, $144,000. Jeff Click Homes LLC, 17704 Black Hawk Circle, residence, erect, $138,000. Home Creations, 15816 Crane Way, residence, erect, $134,200. Ideal Homes of Norman LP, 18533 Las Meninas Drive, residence, erect, $126,000. Sun Properties LLC, 11728 SW 19, residence, erect, $125,000. Sun Properties LLC, 11737 SW 22 Terrace, residence, erect, $125,000. Sun Properties LLC, 11724 SW 21, residence, erect, $125,000. Sun Properties LLC, 2308 Makaila Way, residence, erect, $125,000. D.R. Horton, 11017 SW 40, residence, erect, $113,800. Home Creations, 16409 Friar Court, residence, erect, $103,500. D.R. Horton, 7505 Meadow Lake Drive, residence, erect, $102,200. D.R. Horton, 11125 SW 40, residence, erect, $100,300. Alan Stuck Custom Homes, 7701 Meadow Lake Drive, residence, erect, $100,000. No name provided, 1901 Northwest Expressway, retail sales, remodel, $100,000. D.R. Horton, 7509 Runner, residence, erect, $94,500. Ideal Homes of Norman LP, 9540 SW 27, residence, erect, $92,000. Home Creations, 15813 Sonya Way, residence, erect, $90,600. Home Creations, 1613 NW 126, residence, erect, $89,400. Ideal Homes of Norman LP, 13308 SW 4 Terrace, residence, erect, $89,000. McBride Homes LLC, 504 SE 48, residence, erect, $85,000. Home Creations, 12716 Nittany Drive, residence, erect, $84,900. Home Creations, 11125 NW 6 Terrace, residence, erect, $79,600. Home Creations, 12712 Nittany Drive, residence, erect, $79,600. Ideal Homes of Norman LP, 9521 SW 27, residence, erect, $78,000. Home Creations, 11121 NW 6 Terrace, residence, erect, $77,000. Ideal Homes of Norman LP, 2612 NW 186, residence, erect, $75,000. PSC Homes Inc., 628 NW 119, residence, erect, $75,000. PSC Homes Inc., 632 NW 119, residence, erect, $75,000. Zi Construction LLC, 8020 SW 3, retail sales, remodel, $75,000. Armando Morales, 1615 SW 23, residence, erect, $70,000. Jonnie Myers, 18220 NE 192, manufactured home, move-on, $45,000. Remodeling Concepts, 18716 Woody Creek Drive, residence, add-on, $40,000. Dorothy Ranquist, 2001 S MacArthur Blvd., manufactured home, move-onmobile home park, $35,000. Home First Inc., 14815 SE 75, accessory, erect, $31,000. AP Enterprises, 6405 SE 48, manufactured home, move-on-mobile home park, $30,000. AP Enterprises, 5104 Royal Lane, manufactured home, move-on-mobile home park, $30,000. Midwest Tile & Remodeling LLC, 1300 Greenway Drive, residence, remodel, $28,000. Ben Gueke, 832 NW 41, accessory, erect, $25,000. Bobby Dennis, 13100 Colonypointe Blvd., office, remodel, $20,000. Ramey Steel, 11512 Pamplona Way, accessory, erect, $20,000.
REAL ESTATE Jason Morrison, 17205 Vitoria Drive, residence, add-on, $20,000. Maccini Construction, 701 N Broadway Ave., office, remodel, $18,000. Misty Walters, 9009 NW 10, manufactured home, move-on-mobile home park, $15,000. Santolin Perez, 1521 SW 32, residence, add-on, $15,000. Juan Hernandez, 1321 Regatta Drive, manufactured home, move-onmobile home park, $12,900. Davenport Homes LLC, 1505 NW 186, accessory, erect, $10,000. Mark Kesner, 9145 N Rockwell Ave., towerantenna, install, $10,000. Silvercliffe Construction Co., 5701 SW 5, temporary building, move-on, $10,000. No name provided, 232 SW 25, retail sales, remodel, $7,000. Gary L. Mantooth, 15204 Misty Park Drive, storm shelter, install-storm shelter, $4,500. Clarence Fagan, 11617 Way Cross Road, storm shelter, install-storm shelter, $4,400. Jeff Hoke, 10729 NW 42, storm shelter, install-storm shelter, $4,300. Timothy E. Higgins, 2812 SW 135, storm shelter, install-storm shelter, $4,300. Dylan and Rachel Cole, 1424 SW 135, storm shelter, install-storm shelter, $4,295. Julie Sauer, 11109 S Ross Ave., storm shelter, installstorm shelter, $4,295. Phat Tran, 9916 NW 137,
storm shelter, install-storm shelter, $4,295. Bill Durant, 15609 Brenner Pass, storm shelter, install-storm shelter, $4,200. Keith Brawe, 12732 Knight Hill Road, storm shelter, install-storm shelter, $4,200. Tony Martin, 1312 SW 126, storm shelter, install-storm shelter, $4,200. James L. Grigsby Jr., 12317 Val Verde Drive, storm shelter, install-storm shelter, $4,050. Shawn Steele, 10108 Millspaugh Way, storm shelter, install-storm shelter, $4,000. Arcenio Fraire, 3812 SW 27, residence, add-on, $3,900. Robert Villareal, 3237 SW 42, storm shelter, installstorm shelter, $3,700. Beverly Fentress, 6112 Winchester Drive, storm shelter, install-storm shelter, $3,395. Miquel Romero, 704 NW 160, storm shelter, installstorm shelter, $3,395. Alan Byrnes, 10700 St. Michel Circle, storm shelter, install-storm shelter, $3,295. Heather Munzuris, 13004 Elrond Drive, residence, install-storm shelter, $3,200. Larry Hooks, 5420 SE 81, storm shelter, install-storm shelter, $3,200. Janice Fitzpatrick, 5413 SE 88, storm shelter, install-storm shelter, $3,000. Brian Dubroff, 18009 Arbor Lane, storm shelter, install-storm shelter,
THE OKLAHOMAN | NEWSOK.COM $2,995. Phillip Brandt, 7700 Marathon Lane, storm shelter, install-storm shelter, $2,995. Chima Nzewunwah, 6428 NW 134, storm shelter, install-storm shelter, $2,900. Dung Troung, 8433 NW 106, storm shelter, installstorm shelter, $2,800. Jim Neugent, 5405 SE 87, storm shelter, install-storm shelter, $2,800. Patreshia Johnson, 2606 NW 42, storm shelter, install-storm shelter, $2,800. Tuyen Troung, 8604 NW 106, storm shelter, installstorm shelter, $2,800. Randi Shoepeo, 16104 Evan Shaw Court, storm shelter, install-storm shelter, $2,795. Phredd Evans, 7910 Bobwhite Trail, storm shelter, install-storm shelter, $2,750. Jimmy W. Smith, 5113 SW 125 Place, storm shelter, install-storm shelter, $2,700. Randy K. Lewis, 8810 S Robinson Ave., storm shelter, install-storm shelter, $2,700. Sebastian de Valcourt, 2712 SE 92 Circle, storm shelter, install-storm shelter, $2,600. Rick George, 5801 NW 83, storm shelter, installstorm shelter, $2,500. Brass Brick III LLC, 19000 Meadows Crossing Drive, storm shelter, install-storm shelter, $2,395. Edwina L. Smoker, 3216 NW 32, residence, remodel,
$2,097. Richard Saiz, 8513 NW 91, residence, remodel, $1,500. Marie Smith, 2904 SW 25, residence, add-on, $1,300.
Demolitions Midwest Wrecking, 6565 W Wilshire Blvd., carwash. M&M Concrete & Wrecking Inc., 1516 NW 49, residence. M&M Concrete & Wrecking Inc., 1526 NW 49, residence. Midwest Wrecking, 739 NE 17, single-family residence. Kendall Concrete, 2032 NE 13, residence. Terry Scrivner Construction, 9500 NW 4, security booth. M&M Concrete & Wrecking Inc., 1522 NW 49, residence. M&M Concrete & Wrecking Inc., 1518 NW 49, residence. Kendall Concrete, 916 NE 2, residence. Kendall Concrete, 333 SE 19, residence. Ray’s Trucking, 616 NW 88, residence. M&M Concrete & Wrecking Inc., 1542 NW 49, house. M&M Concrete & Wrecking Inc., 1521 NW 49, house. Midwest Wrecking, 1126 NW 5, accessory. Midwest Wrecking, 1118 NW 13, garage. Midwest Wrecking, 812 N Peniel Ave., singlefamily residence. Midwest Wrecking, 624 NE 34, demolition, singlefamily residence.