October RE Guide 2012

Page 1

Owatonna Area

REAL ESTATE GUIDE

October 2012 This photo is for illustration only. This is not an actual listing.

Owatonna.com

October 2012

Page 2 Real Estate Guide

Bank of America Home Loans® guidance + your real estate professional = home buying made clear Rely on our experience and guidance to help you find the loan option that’s right for your financial circumstances. Combined with your real estate professional’s local market knowledge, you may be able 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 help determine how much you can comfortably afford to borrow. With that information, you can then consult with your real estate professional to find a home that’s right for you. And when you apply, you’ll benefit from our exclusive Clarity Commitment® loan summary that will highlight key terms of your loan in easy-to-understand language. In the meantime, you may wish to explore our valuable Home Loan Guide, which provides home financing tools and calculators. You can access the Home Loan Guide directly from our website. Add it up — the expertise of your local real 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.

Kristin Meier Mortgage Loan Officer (507) 213-9797 Cell (507) 446-1181 Office 102 N. Cedar Avenue Owatonna, MN 55060

Mark Meier Mortgage Loan Officer (507) 363-0030 Cell (507) 446-0080 Office 102 N. Cedar Avenue Owatonna, MN 55060

Kristen.Meier@BankofAmerica.com Kr istin.Meier@BankofA merica.com

Mark .Meier@BankofAmerica.com Mark.Meier@BankofAmerica.com

http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofamerica.com/kristinmeier

NMLS 533094

http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofameri ca.com/markmeier

NMLS 533156

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. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. ©2010 Bank of America Corporation ARV225F1 Credit and collateral are subject 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.

October 2012 October 2012

Real Estate Guide Page 3 Real Estate Guide Page 3

INDEX

Bank of America .....................................2 Edina Realty .........................................14 Envision Home Theatre .........................7 ERA Gillespie Real Estate............... 9 & 16 Federated Insurance Co. ........................5 HomeTown Credit Union ....................10 Owatonna Heating & Cooling .............10 Owatonna Public Utilities....................12 Profinium Mortgage ...............................6 R & K Electric .........................................7 Wells Fargo Home Mortgage ..................8 Wells Federal Bank .................................4

Owatonna Area

REAL ESTATE GUIDE

The Owatonna Area Real Estate Guide is a monthly publication distributed in the Owatonna People’s Press and at select area locations in Owatonna. It is endorsed by the Owatonna Multiple Listing members. A special project of The Owatonna People’s Press 135 W. Pearl St., Owatonna, MN

‡ )D[ Publisher RON ENSLEY Advertising Director DEBBIE ENSLEY

email: densley@owatonna.com Media Consultants %(77< )5267 /8.( %52:1 DIANE GENGLER, RACHEL EBBERS, DEB THEISEN Advertising Design -(1,1( .8%,67$ .(//< .8%,67$ 3$8/ 5,67$8 68( 6&+867(5

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 Š 2012

Owatonna.com 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.

Page 4 Real Estate Guide

October 2012

October 2012

Real Estate Guide Page 5

Minnesota’s best kept secret is out!

Federated Insurance Personal Lines offers quality homeowners, renters, auto, and personal umbrella coverage exclusively to Minnesota residents! Headquartered in Owatonna, we’ve been your neighbor for more than 100 years. Let our experienced, local representatives provide the personal attention you deserve.

Call Federated Insurance Personal Lines at

507-455-5600

or E-mail Your Declarations Pages to federatedpersonallines@fedins.com for a Quote Today! Monday – Friday, 8 a.m. to 5 p.m.

Federated Mutual Insurance Company 2ZDWRQQD 0LQQHVRWD ‡ 3KRQH www.federatedinsurance.com/personal ‹ )HGHUDWHG 0XWXDO ,QVXUDQFH &RPSDQ\

October 2012

Page 6 Real Estate Guide

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

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.

October 2012

Real Estate Guide Page 7

“Power to the People”

t 3&4*%&/5*"-

HOME THEATER

t $0..&3$*"t */%6453*"t "(3*$6-563&

FREE ESTIMATES

SECURITY SYSTEM

COMPLETE ELECTRICAL SERVICES EFFICIENT LIGHTING DESIGN

VIDEO SURVELLANCE

3445 Hoffman Dr. NW, Owatonna, MN 507-451-6409 1-877-3RK-ELEC www.rkelec.com

3445 Hoffman Dr. NW, Owatonna, MN 507-451-1319 www.envisionhometheater.com

THE BENEFITS

OF

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.

October 2012

Page 8 Real Estate Guide

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. Sara Johnson

Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ���� South Oak Avenue Owatonna, MN ����� sara.c.johnson@wellsfargo.com NMLSR ID ������ Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. � ���� Wells Fargo Bank, N.A. All rights reserved. NMLSR ID ������. AS������ �/��-��/��

Jannell Tufte

Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ��� North Cedar Avenue Owatonna, MN ����� jannell.d.tufte@wellsfargo.com NMLSR ID ������

Matthew G LeTourneau

Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ��� N Cedar Avenue Owatonna, MN ����� matthew.g.letourneau@wellsfargo.com NMLSR ID ������

VDYH PRQH\ ‡ VDYH WLPH ‡ VLPSOLI\ \RXU OLIH

October 2012

Real Estate Guide Page 9

1 &HGDU ‡ 2ZDWRQQD 507.451.7488 800.658.7056 ZZZ HUDKRPH FRP HPDLO HUD#HUDKRPH FRP EQUAL HOUSING

OPPORTUNITY

$89,900

VISUAL TOUR #2804537

VISUAL TOUR #2793253

AFFORDABLE & NEWER! ‡ EHGURRPV EDWK ‡ )UHVKO\ XSGDWHG ‡ $OO DSSOLDQFHV ‡ 9LQ\O VLGLQJ ‡ +RXVH TXDOL¿ HV IRU UXUDO KRXVLQJ ¿ QDQFLQJ ‡ 2ZQHU $JHQW &RQWDFW &RQQLH .QXWVRQ 0/6

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CE!

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$115,000

FRESHLY DECORATED! ‡ EHGURRPV EDWKV ‡ 1LFH EDVHPHQW ZLWK IDPLO\ URRP ‡ +DUGZRRG À RRUV ‡ 8SGDWHG NLWFKHQ EDWKV ‡ 4XLHW DUHD IHQFHG \DUG &RQWDFW &RQQLH .QXWVRQ 0/6

$154,900

VISUAL TOUR #2774097

$169,900

VISUAL TOUR #2849414

NEW CONSTRUCTION AT ITS FINEST! ‡ 6SOLW OHYHO À RRU SODQ ‡ 2SHQ NLWFKHQ OLYLQJ GLQLQJ URRP ‡ &KHUU\ FDELQHWV NLWFKHQ LVODQG SDQHO GRRUV ‡ 9HU\ ODUJH VWDOO JDUDJH ‡ :DON RXW ORZHU OHYHO UHDG\ WR ¿ QLVK &RQWDFW 0DWW *LOODUG 0/6

UNIQUE SW OWATONNA MULTI-LEVEL! ‡ EHGURRP EDWK OHYHO KRPH ‡ 9DXOWHG FHOLQJ ODUJH URRPV ‡ /RZHU OHYHO EDVHPHQW OHYHO ZDON RXW ‡ 'LQLQJ URRP RSHQV WR ODUJH GHFN ‡ 1HZHU URRI &RQWDFW 6LG 6FKURHGHU 0/6

$134,900

VISUAL TOUR #2882877

CAPE COD STYLE HOME WITH MUCH TO OFFER! ‡ 0DLQ À RRU IDPLO\ URRP ZLWK ¿ UHSODFH ‡ VHDVRQ SRUFK ‡ )RUPDO GLQLQJ OLYLQJ URRP ‡ EHGURRPV EDWKV ZLWK PDLQ À RRU EHGURRP ‡ /DUJH ORW LQ 1( 2ZDWRQQD QHDU VFKRROV DQG FKXUFKHV &RQWDFW &RQQLH .QXWVRQ 0/6

NEW

CE!

PRI

NEW

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PRI

$144,900

VISUAL TOUR #2816632

SMALL TOWN CHARMER IN MEDFORD! ‡ EHGURRPV EDWKV ‡ DFUH ORW SRUFKHV PDWXUH WUHHV ‡ 'RXEOH DWWDFKHG JDUDJH ‡ /DUJHU NLWFKHQ LVODQG ORWV RI FXSERDUG VSDFH ‡ 1HZHU ZLQGRZV KLJK HI¿ FLHQF\ IXUQDFH ‡ &HUDPLF À RRUV KLJK FHLOLQJV &RQWDFW &RQQLH .QXWVRQ 0/6

$199,000

VISUAL TOUR #2740778

ENJOY THE COUNTRY! ‡ (DV\ DFFHVV WR +Z\ ‡ 1HZHU KRPH RSHQ À RRU SODQ ‡ 6HYHUDO VKRSV DFUHV ‡ $WWDFKHG GHWDFKHG FDU JDUDJH ‡ EHGURRPV EDWKV ‡ 8SSHU OHYHO IDPLO\ URRP &RQWDFW &RQQLH .QXWVRQ 0/6

LOTS WITH LOTS OF OPTIONS! ‡ 3ULPH GD\OLJKW ORWV ‡ 6HPL SULYDWH SDWLR KRPH ORWV ‡ 9HU\ DIIRUGDEOH ‡ 2SHQ WR DOO EXLOGHUV &RQWDFW 0DWW *LOODUG

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October 2012

Page 10 Real Estate Guide

We Do FHA Mortgages! Purchases

&(! s 6! s #ONVENTIONAL

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

We’re proud to feature Carrier Products! 1 &HGDU 2ZDWRQQD 01 ‡ 7HOHSKRQH ‡ )D[

Fall Furnace Tune-Ups WINTER IS COMING... ...BE PREPARED! Ensure your family stays warm and safe with our pre-season tune up.

‡ &RPPHUFLDO 5HVLGHQWLDO 6HUYLFH ‡ &XVWRP +RPH + 9 $ & 6\VWHPV ‡ +RXU (PHUJHQF\ 6HUYLFH ‡ )XUQDFH 5HSODFHPHQW ‡ $ & ,QVWDOODWLRQV ‡ )UHH (VWLPDWHV

October 2012

Real Estate Guide Page 11

See a realtor when you want peace of mind to go with your piece of property. The REALTOR® A REALTOR® can negotiate. A REALTOR® can anticipate. A REALTOR® can educate A REALTOR® can mediate. A REALTOR® can market. A REALTOR® can calm. A REALTOR® can show people your home. A REALTOR® knows it’s about more than a piece of property. A REALTOR® knows it’s about peace of mind.

REALTOR

®

October 2012

Page 12 Real Estate Guide

Y, THE SK M O R F FILTER, 2 MILES T D E O P O P F 0 DRO H A 1,30 G U O R ENT. H M T Y D O J E S N E PAS R YOUR O F D E ILL AND CH

Owatonna residents might be surprised to learn that we Ǥ Our deep well ensures that every drop of water you get from your tap has gone through one of the best filtration systems in the world. Cheers!

A TAP FULL OF GREAT TASTE.

(507) 451-2480 www.owatonnautilities.com

October 2012

Real Estate Guide Page 13

October 2012

Page 14 Real Estate Guide

Development MajesticLotsOaks for Sale! Development open for all builders. Lots Starting at $31,000 “Beautiful development in just off of 26th Street in Owatonna. Majestic Oaks offers a great variety of oversized lots. Here you will be able to enjoy the feel of country living with the comforts of an inviting residential neighborhood. Open to all builders!� Jodie (Priebe) Thompson

507-317-7064 jodiethompson@edinareality.com

34420 Woodville Blvd., Waseca

108 3rd Street NE., Blooming Prairie

MLS # 4132472 $219,500

MLS #4041474 $48,900

OWATONNA.COM

October 2012

Real Estate Guide Page 15

OWATONNA.COM

October 2012

Page 16 Real Estate Guide

Broker Associate Realtor, GRI, SRES

NEW PRICE

Nancy Sletten Cell: 507-363-9368 nancy@erahome.com 1 &HGDU 2ZDWRQQD ZZZ HUDKRPH FRP NEW PRICE

$55,000

$60,000

VISUAL TOUR #2793683

VISUAL TOUR #2779941

“CHARMING LITTLE HOME!” *UHDW FXUE DSSHDO 8SGDWHG NLWFKHQ EHGURRPV EDWK FDU DWWDFKHG JDUDJH 6XQURRP GHFN PRUH 0/6

VISUAL TOUR #2852805

MOVE-IN READY 3 BEDROOM RANCH IN NEW RICHLAND! 2QH RZQHU KRPH /DUJH OLYLQJ URRP ZLWK ERZ ZLQGRZ )RUPDO GLQLQJ URRP /RZHU OHYHO IDPLO\ URRP ZLWK QG NLWFKHQ /RZHU OHYHO EHGURRP ZLWK HJUHVV ZLQGRZ 6WHHO VLGLQJ QHZ URRI 0/6

NEW $149,000 LISTING

EQUAL HOUSING

OPPORTUNITY

$84,900

SOLD

HAS IMPROVEMENTS, NOW NEEDS A FEW MORE! 6WHHO URRI 3HUPDQHQW VLGLQJ JRRG ZLQGRZV 3UHVHUYHG FKDUDFWHU .LQJ VL]HG URRPV FDU JDUDJH 1LFH EDFN\DUG ZLWK PDWXUH WUHHV 0/6

NEW $125,000 PRICE

Save Money… Save Time… Simplify Your Life

$136,000

VISUAL TOUR #2867134

MOVE-IN CONDITION! NICELY MAINTAINED! /DUJH NLWFKHQ OLYLQJ URRP 1HZHU URRI VLGLQJ 1HZHU IXUQDFH KRW ZDWHU KHDWHU FDU JDUDJH %LJ EDFN\DUG 0/6

$139,900

$79,000

VISUAL TOUR #2841952

SMALL TOWN BEAUTY WITH LOTS OF UPDATES! $IIRUGDEOH KRPH LQ 1HZ 5LFKODQG EHGURRPV EDWKV 0DLQ À RRU ODXQGU\ KXJH NLWFKHQ 7ZR OHYHO GHFN ZLWK DFFHVV WR EDFN\DUG IURP ERWK À RRUV 1HZHU URRI ZLQGRZV VLGLQJ FDU JDUDJH 0/6

$144,000

SOLD VISUAL TOUR #2852709

FILLED WITH SURPRISING AMENITIES!! EHGURRPV EDWKV /DUJH PDVWHU EHGURRP ZLWK PDVWHU EDWK )DQWDVWLF XSGDWHG NLWFKHQ PDLQ À RRU ODXQGU\ 'U\ EDVHPHQW QHZHU ZLQGRZV XSGDWHG HOHFWULFDO 'HFN SHUPDQHQW VLGLQJ QHZHU ODQGVFDSLQJ JUHDW FXUE DSSHDO 0/6

$159,900

VISUAL TOUR #2794281

WELL MAINTAINED RANCH IN SE OWATONNA! 'HVLUDEOH 6( ORFDWLRQ EHGURRPV EDWKV 6WHHO VLGLQJ SDWLR À RZHU JDUGHQ 0DLQ À RRU IDPLO\ URRP DGGLWLRQ PDLQ À RRU ODXQGU\ 6HYHUDO QLFH EXLOW LQV 0/6

NEW $179,900 PRICE

NEW $179,900 LISTING

VISUAL TOUR #2870210

VISUAL TOUR #2871074

VISUAL TOUR #2831629

VISUAL TOUR #2795938

A FLOOR PLAN FOR ANY AGE! 6WHHO VLGLQJ YLQ\O ZLQGRZV QHZ URRI 1HZHU IXUQDFH $& 0DLQ À RRU ODXQGU\ QLFH NLWFKHQ EDWKV PDLQ À RRU EHGURRPV FDU DWWDFKHG JDUDJH DGGLWLRQDO GULYHZD\ VSDFH %HDXWLIXOO\ ODQGVFDSHG \DUG 0/6

ACREAGE IN THE COUNTRY, MUST SEE TO APPRECIATE! DFUHV SDVWXUH ODQG EDUQ )DQWDVWLF FRQGLWLRQ LQVLGH RXWVLGH EHGURRPV EDWKV DWWDFKHG FDU JDUDJH /RZ PDLQWHQDQFH QDWLYH SODQW JDUGHQV 1HZ URRI VLGLQJ GRRUV UHWDLQLQJ ZDOO PRUH 0/6

$248,500

VISUAL TOUR #2801896

VISUAL TOUR #2835419

4 BEDROOM, 3 BATH RANCH GREAT NE LOCATION! 0DLQ À RRU ODXQGU\ 0DVWHU EDWK )DPLO\ URRP ZLWK ¿ UHSODFH 'HFN DQG EDFN\DUG SRRO 1HZHU URRI FHQWUDO DLU 0/6

A GREAT PLACE TO GROW KIDS! :RRGHG ORW EHKLQG SURYLGHV EHDXW\ SULYDF\ 1HDU VFKRRO DQG ZDONLQJ SDWK LQ 0HGIRUG 2SHQ À RRU SODQ ZLWK IDEXORXV NLWFKHQ GLQLQJ 6XQNHQ JUHDW URRP ZDON RXW ORZHU OHYHO EHGURRPV EDWKV FDU JDUDJH PRUH 0/6

VISUAL TOUR #2848633

COSTLY IMPROVEMENTS...DONE!!! EHGURRP EDWK PXOWL OHYHO KRPH FDU JDUDJH 8SGDWHV LQFOXGH QHZ URRI VWHHO VLGLQJ ZLQGRZV IXUQDFH 1HZHU GULYHZD\ JDUDJH GRRU &ORVH WR VFKRROV FKXUFKHV 0/6

NOT TOO BIG, NOT TOO SMALL... JUST THE RIGHT PRICE! EHGURRP EDWK UDQFK EXLOW LQ $WWDFKHG FDU JDUDJH )LQLVKHG IDPLO\ URRP LQ ORZHU OHYHO /RDGHG ZLWK VWRUDJH VSDFH 1LFH EDFN\DUG 0/6

$189,000

NEW PRICE

$265,000

VISUAL TOUR #2534384

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NEW $375,000 LISTING

VISUAL TOUR #2871080

LOADED WITH UPSCALE AMENITIES AND UNEXPECTED SURPRISES! EHGURRP EDWK UDQFK RYHUORRNLQJ ZLOGOLIH SRQG ZRRGV %UD]LOLDQ À RRUV ¿ UHSODFH FKHUU\ FDELQHWV JUDQLWH FRXQWHUV )LQLVKHG ORZHU OHYHO ZLWK ZDON RXW ZHW EDU +XJH H[WHQVLRQ WR ORZHU OHYHO ZLWK VT IW ERQXV VSDFH 0/6

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