Owatonna Area
REAL ESTATE GUIDE
May 2013 This photo is for illustration only. This is not an actual listing.
Owatonna.com
Page 2 Real Estate Guide
May 2013
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.
May 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. Front Door Realty...................................4 A special project of HomeTown Credit Union ......................7 The Owatonna People’s Press 135 W. Pearl St., Owatonna, MN Profinium Mortgage ...............................6 507-451-2840 • Fax 507-444-2382 Publisher RON ENSLEY Wells Fargo Home Mortgage ..................3 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 NICOLE GILMORE, KEELEY KREBSBACH, JENINE KUBISTA, KELLY KUBISTA,
EQUAL HOUSING
OPPORTUNITY
EQUAL HOUSING OPPORTUNITY
PAUL RISTAU
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.
Page 4 Real Estate Guide
May 2013
Get a strong team to pull for you We are proud to be part of the community and invite you to call or stop by to discover how we can assist you with your mortgage needs. Whether you are interested in new purchase, refinance, or a home equity loan or line of credit, Wells Fargo Home Mortgage can assist with finding a program that fits your unique goals.
Call or visit your local team today. Jannell Tufte
Home Mortgage Consultant Office: 507-455-7516 Cell: 507-456-5946 101 North Cedar Avenue Owatonna, MN 55060 jannell.d.tufte@wellsfargo.com NMLSR ID 402028
Matthew G LeTourneau
Home Mortgage Consultant Office: 507-444-2260 Cell: 507-339-2193 101 N Cedar Avenue Owatonna, MN 55060 matthew.g.letourneau@wellsfargo.com NMLSR ID 404642
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2012 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS981737 4/13-7/13
GETTING YOUR HOME READY FOR VIEWING. 1. Have a clean entrance. 2. Check roof, gutters and exterior paint or siding, repair if necessary. 3. Fix broken windows and screens 4. Keep the lawn mowed, shrubs and trees trimmed. 5. Wash and wax floors, shampoo carpets. 6. Keep your house and garage picked up. 7. Repair poor plumbing, switches, hinges, etc. 8. Don’t apologize for your home’s appearance. 9. Let your Realtor do the showing. 10. Answer questions honestly. 11. Repaint walls and fix worn woodwork. 12. Be sure your Realtor has a key for showing your home when you are away.
May 2013
Real Estate Guide Page 5
MLS #4038452 $136,000 Large split level home, with new roof, and steel siding located on a large lot, on a quiet street. 1st time offered for sale since built in 1976. Price includes a $3,000 flooring allowance. LOTS MLS # 4030276 $12,900 Build your dream home on a residential wooded lot in developed neighborhood in Medford.
MLS # 4038009 $144,900 Check this one out, features new roof, newer concrete driveway + side walk, vinyl windows, freshly painted and located on a great cul-de-sac, take a look today. Price includes a $3,000 flooring allowance.
MLS # 4042857 $209,000 New Construction by Hall Construction, will be ready for June Possession. Features 4 bedrooms with a large Hollywood bath on main floor, and full bath on lower level, and open floor plan. Also has a 3 car garage, and Kitchen appliances.
MLS # 4030289 MLS # 4030287 $51,500 Two – 5.3 acre buildable lots suitable for walkout basements. Build your dream home among the multitude of wildlife.
MLS # 4042979 $229,900 Large updated 3 story home, features large rooms and recently updated to offer efficient windows, heating, and cooling. If you add everything together you will find an exquisite home that you will be proud to own. MLS # 4041030 $89,900 Affordable 3 Bedroom home with large lot, and a 4 car Detached garage. Picture is attached.
Owner/Agent Commercial Office areas for lease, downtown – and others. Starting at $800.00 per Month Thinking of selling? Call us for a FREE CMA on your property. Thinking of buying? Call us to help unlock the door to the home of your dreams. Thinking of building a new home? Give us a call, we have Builders available.
Call us fo FREE rCa MA
Build a me new ho13! in 20 135 W Main St • Owatonna, MN 55060
507-451-3333 | www.realestate-owatonna.com
Page 6 Real Estate Guide
May 2013
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
www.profinium.com Member FDIC *Qualifications may apply.
Equal Housing Lender
THE BENEFITS
OF
Jennifer Svien NMLS # 663481
Matt Walerius NMLS # 663358
PROPER PRICING
When you determine your home’s price, beware of the pitfalls of overpricing. Logically, you would think that the higher the price of your house the more money you will receive for it, but there is a fine line between supply and demand. Potential buyers who see your home’s listing price may bypass even looking at it without considering making a lower offer. Concurrently, buyers who are looking only in a specific price range that is less than the cost of your house will never have the opportunity to view your home, leaving you with less
marketability. On the flip side, those who could afford to purchase your home will inevitabley be drawn to better values that are offered elsewhere. The perils of overpricing can be negated by the benefits of proper pricing. Below are just a few of the many benefits that can be reaped with proper pricing: • Higher offers accompany a fair market value. • Real estate agents will be more likely to show your home enthusiastically if he/she believes it is a good market value. A reasonably-priced home will generate competing offers among potential buyers. • A well-priced home will attract more qualified buyers, ensuring that its marketability remains.
May 2013
Real Estate Guide Page 7
We Do FHA Mortgages! Purchases FHA • VA • Conventional
Refinances
Lower Your Rate Lower Your Payment Get Cash Out
Your Trusted Partner for Financial Success
Serving those who live, work, worship or attend school in Dodge, Rice, Steele and Waseca Counties
2400 W. Bridge St. • 1620 S. Cedar Owatonna 507-451-3798 • 888-451-3798 www.hometowncu.coop
Federally insured by the NCUA
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.
Page 8 Real Estate Guide
May 2013
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
$74,500
VISUAL TOUR #2841952
SMALL TOWN BEAUTY WITH LOTS OF UPDATES! • New Richland • 3 bedrooms, 2 baths • Main floor laundry & huge kitchen • Two level deck with access to backyard from both floors • Newer roof and windows • Permanent siding & 2 car garage Contact Nancy Sletten. MLS #4039125
$129,900
VISUAL TOUR #2890036
WELL MAINTAINED ONE OWNER RANCH! • 3 bedrooms, 2 baths • Finished basement • 2 fireplaces, nice oak woodwork throughout house • 4 season porch • Large yard Contact Connie Knutson. MLS #4040513
$195,000
NEW
!
ING
LIST
$81,900
$111,000
VISUAL TOUR #3003521
NICE ONE LEVEL HOME ON SOUTH END OF TOWN! • 2 bedrooms, one bath • Oversized two car garage • Egress window in basement • Newer windows • Newer furnace Contact Connie Knutson. MLS #4043584
$164,500
VISUAL TOUR #2795938
NEW
VISUAL TOUR #2975814
! ING
LIST
RANCH STYLE! 3 BEDROOMS! 2 CAR GARAGE! • Newer furnace & water heater • Newer roof and seamless rain gutters • Shaded & fenced backyard • Convenient NE location • Near parks, schools and churches Contact Nancy Sletten. MLS #4044147
$194,900
$179,900
VISUAL TOUR #3020812
SAVE A BUNCH...COMPARE TO NEW! PRISTINE ACREAGE IN THE COUNTRY! • 2008 built split-level • 3.56 acres, pasture land & barn • Walk-out lower level • Fantastic condition inside & outside • 4 bedrooms, 3 baths, attached 2 car garage • Kitchen has upgraded cabinets, granite, breakfast bar, stainless steel • Low maintenance native plant gardens appliances • New roof, siding, doors, retaining wall & • Master suite with full bath & walk-in more... closet Contact Nancy Sletten. • 3 stall insulated & sheet rocked garage MLS #4037896 Contact Connie Knutson. MLS #4044187
$119,900
VISUAL TOUR #3019241
LOTSA’ LIVING SPACE! FANTASTIC CONDITION! READY FOR FINANCING! • Bigger than it appears and built with quality! • 3 bedroom, dry basement with room for a pool table! • Newer furnace, central air conditioning, water heater • Newer windows and permanent siding • Newer flooring, paint and the list goes on... Contact Nancy Sletten. MLS #4038753
NEW
! ING
LIST
VISUAL TOUR #2937916
CHARMING TURN OF THE CENTURY HOME WITH UPDATES! • Compeltely updated inside & out • New windows, vinyl siding • New kitchen, master bath suite • Refinished hardwood floors • New deck, furnace, central air • 4 bedrooms, 3 baths, 2 car garage Contact Connie Knutson. MLS #4041814
Our Team of Professionals
VISUAL TOUR #2740778
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
Division of ERA Gillespie Real Estate
Nancy Sletten Broker Associate GRI, SRES
Connie Knutson Broker Associate CRS, GRI, ERS ABR
Matt Gillard Realtor GRI
Barry Gillespie CRB, CRS, ePRO
Erin Gillespie Broker Associate GRI, ERS
Sid Schroeder Realtor GRI, ERS
Mark Woodrich Realtor
Stephanie Woodrich Realtor
Company ID #320358
Call Ryan Jirele
Mortgage Loan Originator #503704
(507) 676-2708 Ryan@erahome.com
Melinda David Realtor
Justin Ohnstad Realtor
Ryan Jirele Mortgage
Lud Gillespie 1925-2011