Owatonna Area
REAL ESTATE GUIDE
February 2013 This photo is for illustration only. This is not an actual listing.
Owatonna.com
February 2013
Real Estate Guide Page 2
Bankof ofAmerica America Home Home Loans® Loans® guidance guidance Bank yourreal realestate estateprofessional professional ++your homebuying buyingmade made clear clear ==home
Rely on our experience and guidance to help you find the loan option that’s right for your financial Rely on our experience and guidance help you find the loan option right for your financial circumstances. Combined with yourtoreal estate professional’s localthat’s market knowledge, you may be able circumstances. Combined your real estate professional’s local market knowledge, you may be able to go from home shopperwith to homeowner. to go from home shopper to homeowner. The first step is easy: We’ll be happy to review your goals and provide you with a prequalification that can The first step is how easy: We’llyou be can happy to review afford your goals and provide you with a prequalification information, you can thenthat can help determine much comfortably to borrow. With that help determine howreal much youprofessional can comfortably afford to borrow. Withforthat information, can then consult with your estate to find a home that’s right you. And when you apply, you’ll consult with your estate professional to find a home right for whenkey youterms apply,ofyou’ll benefit from ourreal exclusive Clarity Commitment® loanthat’s summary thatyou. will And highlight your loan benefit from our exclusive Clarity Commitment® loan summary that highlight key terms of your loan in easy-to-understand language. In the meantime, you may wish to will explore our valuable Home Loan in Guide, easy-to-understand language. In the meantime, you may wish explore ourthe valuable HomeGuide Loan which provides home financing tools and calculators. Youtocan access Home Loan Guide, which home financing tools and calculators. You can access the Home Loan Guide directly fromprovides our website. directly from our website. Add it up — the expertise of your local real estate professional, coupled with all that Bank of America Home has to offer, couldlocal be your for home buying success. Add it upLoans® — the expertise of your real formula estate professional, coupled with all that Bank of America Home Loans® has to offer, could be your formula for home buying success. To get started, or for the name of a local real estate professional, contact us today. To get started, or for the name of a local real estate professional, contact us today. Kristin Meier Mortgage Loan Officer Kristin MeierCell (507) 213-9797 (507) 446-1181 Office Mortgage Loan Officer 102(507) N. Cedar AvenueCell 213-9797 Owatonna, MN 55060 (507) 446-1181 Office
102 N. Cedar Avenue
Kristin.Meier@BankofA merica.com
Owatonna, MN 55060 http://mortgage.bankofamerica.com/kristinmeier
Mark Meier Mortgage Loan Officer Mark Meier (507) 363-0030 Cell (507) 446-0080 Office Mortgage Loan Officer 102 N. Cedar Avenue Cell (507) 363-0030 Owatonna, MN446-0080 55060 Office (507)
102 N. Cedar Avenue
Mark .Meier@BankofAmerica.com
Owatonna, MN 55060 http://mortgage.bankofameri ca.com/markmeier
Mark .Meier@BankofAmerica.com Mark.Meier@BankofAmerica.com Kristen.Meier@BankofAmerica.com Kr istin.Meier@BankofA merica.com http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofameri ca.com/markmeier The Clarity Commitment® summary is providedhttp://mortgage.bankofamerica.com/kristinmeier as a convenience, does not serve as a substitute for a borrower’s actual loan documents and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. NMLS 533156 NMLS 533094 The Clarity Commitment® summary is provided as a convenience, does not serve as a substitute for a borrower’s actual loan documents and is not a commitment to lend. ©2010 Bank of America Corporation ARV225F1 Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided.
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to©2010 lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America Corporation ARV225F1 Bank of America, N.A., Member FDIC. Equal Housing Lender. Protect recycling this document. Credityour and personal collateralinformation are subjectbefore to approval. Terms and conditions apply. This is not a commitment
to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC. Equal Housing Lender. Protect your personal information before recycling this document.
February 2013
Real Estate Guide Page 3
INDEX
Owatonna Area
REAL ESTATE
GUIDE Bank of America .....................................2 The Owatonna Area Real Estate Guide is a monthly distributed in the Owatonna People’s Press ERA Gillespie Real Estate........................8 publication and at select area locations in Owatonna. It is endorsed by the Owatonna Multiple Listing members. HomeTown Credit Union ......................4 A special project of Profinium Mortgage ...............................6 The Owatonna People’s Press 135 W. Pearl St., Owatonna, MN Wells Federal Bank .................................5 507-451-2840 • Fax 507-444-2382 Publisher RON ENSLEY Advertising Director DEBBIE ENSLEY
email: densley@owatonna.com
Owatonna.com
Media Consultants BETTY FROST, LUKE BROWN, DIANE GENGLER,
All advertising contained herein is the responsibility of the advertisers. The Owatonna Area Real Estate Guide retains the publication rights to all contents produced or supplied by the Owatonna Area Real Estate Guide. Use of material without written consent of Real Estate Guide is prohibited. All Rights Reserved © 2013
RACHEL EBBERS, DEB THEISEN Advertising Design TAYLOR HUBER, JENINE KUBISTA, KELLY KUBISTA, PAUL RISTAU
EQUAL HOUSING
OPPORTUNITY
EQUAL HOUSING OPPORTUNITY
All real estate advertising in this publication is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or any intention to make such preferences, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free phone number for the hearing impaired is 1-800-927-9275.
February 2013
Real Estate Guide Page 4
We Do FHA Mortgages! Purchases FHA • VA • Conventional
Refinances
Lower Your Rate Lower Your Payment Get Cash Out
Eric Miller, MLO# 642739 507-455-6735 Direct 507-456-8987 Cell emiller@hometowncu.coop
Your Trusted Partner for Financial Success
Serving those who live, work, worship or attend school in Dodge, Rice, Steele and Waseca Counties
www.hometowncu.coop
Federally insured by the NCUA
February 2013
Real Estate Guide Page 5
If your home isn’t listed with a Realtor,
it might as well be You have a home for sale but no one is seeing it. Maybe because it isn’t listed with a professional Realtor. Realtors make it easy for you to buy or sell your home. They have access to a pool of serious home buying prospects... and a Multiple Listing Service that can offer buyers the affordable home of their choice. They do the legwork, the paperwork, and the hard work to help you sell your home quickly.
REALTOR
®
Look for the Realtor logo to find the commitment and full services of a real estate professional.
February 2013
Real Estate Guide Page 6
WANT A LOWER MORTGAGE PAYMENT? ACT NOW WHILE RATES ARE LOW! See the Profinium mortgage staff for an appointment to lower your payment or shorten your mortgage term!*
OWATONNA LOAN PRODUCTION OFFICE
328 North Cedar Ave.
507-444-0101
Equal Housing Lender
www.profinium.com Member FDIC *Qualifications may apply.
Jennifer Svien NMLS # 663481
Matt Walerius NMLS # 663358
February 2013
Real Estate Guide Page 7
February 2013
Real Estate Guide Page 8
122 N. Cedar • Owatonna 507.451.7488 800.658.7056 www.erahome.com email: era@erahome.com EQUAL HOUSING
OPPORTUNITY
save money • save time • simplify your life
NEW
ICE!
PR
$59,000
VISUAL TOUR #2915884
LOVE THE LOCATION... SMALL TOWN LIVING! • Minutes from I-35 • Walk to trails, park and pool • 4th bedroom or formal dining • Steel siding & 2 car garage • Needs some TLC and a little work! Contact Nancy Sletten. MLS #4041195
$114,900
VISUAL TOUR #2889963
UP TO DATE... NOTHING TO DO! • Completely remodeled • 3+ bedroom, 1.5 bath • New kitchen with stainless steel appliances • New 2 car garage • Main floor laundry & huge front porch Contact Nancy Sletten. MLS #4040538
$129,900
VISUAL TOUR #2890036
WELL MAINTAINED ONE OWNER RANCH! • 3 bedrooms, 2 baths • 2 fireplaces, nice oak woodwork throughout house • 4 season porch • Finished basement • Large yard Contact Connie Knutson. MLS #4040513
UNIQUE SW OWATONNA MULTI-LEVEL! • 4 bedroom, 2 bath, 4 level home • Vaulted ceiling, large rooms • Lower level & basement level walk-out • Dining room opens to large deck • Newer roof Contact Sid Schroeder. MLS #4039366
Our Team of Professionals
LI
VISUAL TOUR #2794281
VISUAL TOUR #2795938
!
ING
LIST
$169,900
VISUAL TOUR #2946147
GREAT SE LOCATION! SPACIOUS 4 BEDROOM SPLIT! • 4 bedrooms, 3 baths • Triple garage, deck • Open floor plan • Freshly painted, carpet allowance Contact Sid Schroeder. MLS #4042012
$199,900
VISUAL TOUR #2937916
ENJOY THE COUNTRY! • Easy access to Hwy 35 • Newer home, open floor plan • Several shops, .98 acres • Attached and detached 6 car garage • 4 bedrooms, 3 baths • Upper level family room Contact Connie Knutson. MLS #4036204
OLD WORLD CHARM WITH NEW UPDATES! • Completely updated inside & out • New windows, vinyl siding • New kitchen, master bedroon suite • Refinished hardwood floors • New deck, furnace, central air • 4 bedrooms, 3 baths, 2 car garage Contact Connie Knutson. MLS #4041814
Stephanie Woodrich Realtor
NEW
PRISTINE ACREAGE IN THE COUNTRY! • 3.56 acres, pasture land & barn • Fantastic condition inside & outside • 4 bedrooms, 3 baths, attached 2 car garage • Low maintenance native plant gardens • New roof, siding, doors, retaining wall & more... Contact Nancy Sletten. MLS #4037896
VISUAL TOUR #2740778
Matt Gillard Realtor GRI
IT’S ABSOLUTELY AWESOME INSIDE & OUTSIDE! • 3 bedrooms, 2.5 baths • Large master bedroom with master bath • Fantastic updated kitchen, main floor laundry • Dry basement, newer windows, updated electrical • Deck, permanent siding, newer landscaping & great curb appeal Contact Nancy Sletten. MLS #4039407
$164,500
$199,000
Sid Schroeder Realtor GRI, ERS
VISUAL TOUR #2852709
VISUAL TOUR #2948843
AFFORDABLE WITH COSTLY IMPROVEMENTS ALL DONE! • 4 bedroom, 2 bath multi-level home • 2 car garage • Updates include roof, steel siding, windows, furnace • Newer driveway & garage door • Close to schools & churches Contact Nancy Sletten. MLS #4037815
Nancy Sletten Broker Associate GRI, SRES
$123,000
$119,900
BIG HOUSE ON SMALL ACREAGE! • .9 acres near Blooming Prairie • 3 bedrooms, 2 baths • Large rooms, hardwood floors • Newer siding & windows • Attached double garage, deck Contact Sid Schroeder. MLS #4041977
$139,900
$169,900
VISUAL TOUR #2849414
NEW
G! STIN
Erin Gillespie Broker Associate GRI, ERS
Melinda David Realtor
Mark Woodrich Realtor
Justin Ohnstad Realtor
LOTS WITH LOTS OF OPTIONS! • Prime & daylight lots • Semi private & patio home lots • Very affordable • Open to all builders! Contact Matt Gillard.
Connie Knutson Broker Associate CRS, GRI, ERS ABR
Ryan Jirele Mortgage
Barry Gillespie CRB, CRS, ePRO
Lud Gillespie 1925-2011