928Homes by ROX Media

Find or build your dream home!

Greater Prescott Area

DECEMBER / JANUARY 2017

Your Best Source for Homes & Home Renovations

B U Y S E L L R E N OVAT E

REAL ESTATE Annie Miller, Realtor®

(928) 308-2211 annie@anniemilleraz.com

Mary Jo Amos, Realtor®, CCSS (928) 899-6133 maryjo@maryjoamos.com

MLS#999744

Kate Jenkins

Branch Manager NMLS# 508509 928-445-8652 Direct • 928-710-2169 Cell 928-445-8515 Fax Kate.Jenkins@banchomeloans.com kjenkins.banchomeloans.com

1955 Commerce Center Cir., Suite D, Prescott, AZ 86301

CONVENTIONAL/ JUMBO LOANS/VA/FHA/USDA WE ALSO SPECIALIZE IN MANUFACTURED HOME LOANS FHA / VA / CONVENTIONAL

We offer the best rates, service, and closing costs available! ©2016 Banc of California, National Association, dba Banc Home Loans. All rights reserved. Not all applicants will qualify. Some products offered by Banc Home Loans include modified documentation requirements and may have a higher interest rate, more points or less than other products requiring documentation. Minimum FICO reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirement. Rates, points, APR’s and programs are subject to change at any time until locked-in. NMLS# 530611

GO WITH THE #1 COLDWELL BANKER AGENT IN PRESCOTT

Great Views! 3 Bed + Den, 3.5 Bath 3,400 Sq. Ft. Only $590,000!

Built in 2004, in the Ranch at Prescott with Two master suites, Two fireplaces, Kitchen open to Great Room, Three car garage worth of Space, Low maintenance yard, built by one of Prescott’s most renowned builders.

Rv Garage + 3 Car Garage, Amazing Custom Home on 5 Acres Fully Fenced! only $499,900

1,800+ Sq. ft. 3 bed 2 bath only $245,000

A dream come true pre-list opportunity, privately gated, high end features adorn this wonderful ranch home on 5 acres of land. tile, stone, granite & high end cabinets just to name a few. Call today!

Super 3 bedroom 2 bath home with separate living room and Family room, Island Kitchen, Gas Fireplace, and master bedroom with dual sinks and separate shower and Tub. Hurry won’t last.

3 Bed 2 Bath in Granville Built in 2007 Only $235,000!

Views! Backs to Open Range Land! Gated Community! $350,000

Just listed Hurry, Extensive tile, upgraded cabinets, fully landscaped and a corner lot. This won’t last!

3,000+ sq. ft. 5 bed 3 bath only $225,000!

Great equity potential just needs some work. Great floor plan, larger lot. Short sale opportunity. Call today!

Super privacy & GREAT views! Open floor plan, large kitchen with solid-surface counters 3 car garage, lots of upgrades 3 bed 2 bath in a privately gated community. Just listed!

3 acres with good views only $50,000!

Located in a custom home neighborhood, power is at the property line, and most roads are paved. Build your custom home here!

Prescott, AZ

(928) 636-7000

RESIDENTIAL BROKERAGE Each office is independently owned & operated

Peter@ListingPrescott.com www.ListingPrescott.com

Peter J. Fife

Granite Kitchen Concepts Enjoy the Elegance of Natural Stone!

Lots of Beautiful Granite Slabs in Stock STARTING AT

$49 SQ.FT Not valid with any other offer. Includes slab and labor.

GRANITE KITCHEN CONCEPTS (928) 777-8811

303 North Summit Avenue, Prescott www.GraniteKitchenConcepts.com

(928) 777 - 8811 MONDAY - FRIDAY 8AM - 5PM WEEKENDS AVAILABLE BY APPOINTMENT

DID YOU KNOW...

GRANITE KITCHEN CONCEPTS IS YOUR ONLY LOCAL GRANITE SHOP THAT IMPORTS, STOCKS, AND CUTS THEIR OWN GRANITE SLABS AND INSTALLS THEM FOR YOU? NO THIRD PARTY SUPPLIER, NO THIRD PARTY INSTALLERS, AND NO THIRD PARTY FABRICATION SHOP. ALL DONE UNDER ONE ROOF. COME VISIT US AND SEE OUR ONE-STOP-SHOP FOR YOUR SELF.

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New Caledonia

Galactica New

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Mascarello

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Golden Beach New

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Persian

303 North Summit Ave., Prescott, AZ 86301 • Monday - Friday 8am - 5pm • Weekends by phone www.GraniteKitchenConcepts.com

VISIT OUR SLAB YARD FOR A VARIETY OF GREAT SELECTIONS OF BEAUTIFUL GRANITE SLABS FROM AROUND THE WORLD

Have a beautiful kitchen in time for the holidays New

Gabana Quartzite

Ash Blue

Black Magma

Coliseum

Copacabana

Fantasy Brown Leather

Giallo Fiorito

Golden Pilsen

Juparana Persa

New Patagonia

Pietra White

Romanix

New

Galileia

River Bordeaux

Snow Fall

Venetian Gold

Ivory Gold

Biscotti

Santa Cecilia

Emperador Light

303 North Summit Ave., Prescott, AZ 86301 • Monday - Friday 8am - 5pm • Weekends by phone www.GraniteKitchenConcepts.com BU Y SEL L RENOVAT E RE A L E S TAT E 928HOME S 5 928HOMES.COM

PUBLISHER Elaine Earle, CPA EDITOR-IN-CHIEF Bea Lueck, REALTOR ÂŽ

ADVERTISER INDEX

MEDIA COORDINATOR Debbie Cortez ADVERTISING EXECUTIVE Bill Gaddin CREATIVE DIRECTOR/WEB CONTENT

Bear Creek Real Estate. . . . . . . . . . . . . . . . 16

BloomTree Realty - Jinger Cutting . . . . . . . 20

Tim Clarke GRAPHIC DESIGN Tim Clarke Jake Pagano

RESIDENTIAL BROKERAGE

Century 21 Arizona West - Judy Bluhm . . . 23

928homes.com 928Homes is published by Raxx Media, P.O. Box 11190, Casa Grande, Arizona 85122. Copyright ÂŠ 2016. Reproduction of any photographs, artwork or copy created by 928Homes is strictly prohibited without prior written permission of the publisher. Publisher reserves the right to edit or reject any advertisement deemed inappropriate. All advertised properties are subject to prior sale or withdrawal without notice. 928Homes is not a registered real estate broker and this magazine offer is not an effort to assist in the buying or selling of real estate. The advertisers, publisher and staff are not responsible or liable for misinformation, misprints or typographical errors. Advertising in 928Homes is limited to licensed real estate brokers and their sales associates, developers and commercial businesses. For sale by owner ads are not accepted. EQUAL HOUSING OPPORTUNITY: All real estate advertising in this publication is subject to the Federal Fair Housing Act of 1968 and its amendments that make it illegal to advertise any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination. This publisher will not knowingly accept any advertising for real estate that is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. For advertising opportunities, please call (520) 426-2074 or 844729-9769 or email: info@roxco.com

Coldwell Banker Residential Brokerage - Eileen Nalda. . . . . . . . . . . . . . . 9 Coldwell Banker West Residential USA Prescott 231 N. Marina Prescott, Brokerage - PeterSt. Fife . . . . . . . . .AZ . . .86301 . . . . . 3

Office 928.777.8331

FAX 928.708.0022

The Norkus Group

Country Life Realty. . . . . . . . . . . . . . . . . . . . 17

The Key To your real estate success

The Norkus Group. . . . . . . . . . . . . . . . . . . . . 11

DiAnns card inside top.indd 1

7/17/2013 1:53:23 PM

Realty Executives - Mary Jo Amos. . 1,12,13

Realty Executives -Northern Arizona. . . . . 21

Windermere Real Estate Northern Arizona - Diane Traynor Sowinski . . . . . . . . . . . . . . . . . . . . 14 Windermere Real Estate Northern Arizona - Kathi Rafters . . . . . . . . . . . . . . . . . . . . . . . . . . . 15, 24 Windermere Real Estate Northern Arizona - Terri Chase . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18, 19

PROFESSIONAL SERVICES Banc Home Loans. . . . . . . . . . . . . . . . . . . . . 2 Granite Kitchen Concepts. . . . . . . . . . . . 4, 5 Prescott Kitchens. . . . . . . . . . . . . . . . . . . . . . 8 Frontier Financial. . . . . . . . . . . . . . . . . . . . . 16

West USA of Prescott - Lee Davies. . . . . . . . . 7

EDITORIAL 5 Newbie Mortgage Mistakes (and How Much Each Could Cost You). . . . 22

PAGE

JUNE 2015

231 N. Marina Street • Prescott, AZ 86301

928-533-0321

231 N. Marina Street • Prescott, AZ 86301

JUNE 2015

Each Keller Williams® Realty office is independently owned and operated

AGE

Each Keller Williams® Realty office is independently owned and operated

www.cindyleesellsprescott.com misscindy@cableone.net

www.cindyleesellsprescott.com

231 N. Marina Street • Prescott, AZ 86301

JUNE 20

JUNE 2015

Each Keller Williams® Realty office is independently owned and operated

www.cindyleesellsprescott.com 231 N. Marina Street • Prescott, AZ 86301 Each Keller Williams® Realty office is independently owned and operated

JUNE 2015

www.cindyleesellsprescott.com

AGE

231 N. Marina Street • Prescott, AZ 86301

928-533-0321

231 N. Marina Street • Prescott, AZ 86301 JUNE 2015 Each Keller Williams® Realty office is independently owned and operated JUNE Terrific family home, in lovely Highland’s Ranch. Large kitchen with eat in area, Each Keller Williams® Realty office is independently owned and operated and plenty of light. Fully fenced backyard, safe for children and pets to play. Close to shopping and schools. This could be the home you are looking for! 1399 Taft Beautiful 1920 sq. ft. with 4 bedrooms and 2 baths. Completely remodeled inside Ave., Chino Valley. MLS# 997978. $214,000. Call Nick Guzzo at 928-420-5825. and out. Large living room and wonderful family room too! New flooring, updated kitchen, new front door. 2 car garage with a detached 1 car garage and workshop, 231 N. Marina Street • Prescott, AZ 86301 BEAUTIFUL, LARGE FAMILY HOME with views in Diamond Valley! No HOA. All main storage room. Views of the mountains. 1/3 acre lot with RV parking pad. Circular level living with 3 bedrooms, 2 baths on main level & huge family room, bedroom & driveway. The home is nestled on a dead end street in lovely Unit 20, and has some Each Keller Williams® Realty office is independently owned and operated 3/4 bath on lower level with outdoor access to covered patio. Nice covered deck. Mingus Mtn. Views. One year home warranty included. MLS# 997603 $254,900. Extra bonus storage has concrete floor. Fenced backyard - mature landscaping. Includes the lot next door and gives you room for extra parking or RV parking. 231 N. Marina Street • Prescott, AZ 86301 231 N. Marina Street • Prescott, AZ 86301 MLS#985799. $334,900

misscindy@cableone.net

www.cindyleesellsprescott.com

main m& k.

www.cindyleesellsprescott.com

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928-533-0321

Each Keller Williams® Realty office is independently owned and operated

www.cindyleesellsprescott.com misscindy@cableone.net Great single level home in Cordes Lakes. 2 bedroom, 2 bath on a double lot with 1 car garage &

www.cindyleesellsprescott.com

RV parking and the perfect HOBBY ROOM/OFFICE with 1/2 Bath. Perfect location with an easy JUNE commute to Phoenix, Flagstaff orstucco Prescott.with Fullystone fencedaccent and landscaped andindon’t forget theon 2015WELCOME HOME...Beautiful stucco with stone accent 3 bd, 2 ba in Chino Valley on WELCOME HOME...Beautiful 3 bd, 2 ba Chino Valley ain wonderful room approx. This home loads Newer of storage! Buyergas to verify 2.22 acreAZ corner lot with27x10. incredible 360˚has views! natural heat the andsquare A/C. m& 2.22 acre corner lot with incredible 360˚ views! Newer natural gas heat and A/C. footage as AZ room hobby room is NOT included in theRoomy sq. ft. NO SPDS and SOLD AS-IS. This2015 is PAGE JUNE 2015 Large rooms and and lovely living room with fireplace. kitchen with granite JUNE . Large rooms and lovely living room with fireplace. Roomy kitchen with granite acounters must see!and Call new us today for yoursteel showing. Includes Master parcel 500-32-755B. MLS # 995783. stainless appliances. and 2nd BR access the $159,000. deck counters and new stainless steel appliances. Master and 2nd BR access the deck from French doors. RV pkg, addt’l 2 car carport, 2 sheds. MLS#985325. $259,990 from French doors. RV pkg, addt’l 2 car carport, 2 sheds. MLS#985325. $259,990 1750 sq. ft. on over an acre in Dewey. Great location and lovely views. 3 bedroom, PAGE JUNE 2015 WELCOME HOME...Beautiful stucco with stone accent 3 bd, 2 ba in Chino Valley on l main 2 bath with 1 car garage and workshop. Call us today for details. HOME with views in Diamond Valley! HOA. corner FAMILY lot with incredible 360˚ views! Newer natural gasNo heat and All A/C.main2015 JUNE room BEAUTIFUL, & 2.22 acreLARGE ARE YOU LOOKING FOR PRIVACY - VIEWS AND NO HOA YET CLOSE TO EVERYliving with 3and bedrooms, 2 baths level Roomy & hugekitchen familywith room, bedroom & rooms lovely living room on withmain fireplace. granite eeck. the levelLarge THING? This 3 bd plus bonus room with oversized 4 car garage potential may be the counters and new stainless steel appliances. andpatio. 2nd BR access the deck on lower level with outdoor access toMaster covered Nice covered deck. ng. the 3/4 bath one for you. VIEWS and peace are waiting for youStreet to call • your home! Privacy at the 231 N.carport, Marina Prescott, AZ 86301 French doors. RVconcrete pkg, addt’l 2 car 2 sheds. MLS#985325. $259,990 g. Extrafrom bonus has floor. backyard - mature landscaping. end of astorage dead end street, this one is aFenced true GEM! MLS#985756. $259,990

Includes the lot next door and gives you room for Williams® extra Realty parking or RV parking. Each Keller office is independently owned and operated JUNE 2015 WELCOME HOME...Beautiful stucco with stone accent 2 ba in Chino Valley on 231 N. Marina Street3 •bd, Prescott, AZ 86301 MLS#985799. $334,900

231 N. Marina Street • Prescott, AZ 86301

www.cindyleesellsprescott.com D L928-533-0321

2.22 acre corner lot with incredible 360˚ views! Newer natural gas heat and A/C. Each Keller Williams® Realty office is independently owned and operated the Large rooms and lovely living room with fireplace. Roomy kitchen with granite main he counters and new stainless steel appliances. Master and 2nd BR access the deck om & Beautiful doublewide home on acarport, double lot2 with mountain views. 2 bedrooms, 2 from French doors.manufactured RV pkg, addt’l 2 car sheds. MLS#985325. $259,990 ck. N. Marina Street • Prescott, AZ 86301 bathrooms. Nice living room with gas231 (propane) stove. A large family room and gorgeous front g. WELCOME with accent 3 bd, 2 ba Ramada in2 Chino Valley2on BEAUTIFULLY UPDATED SANTAstucco FE - Minutes to Downtown Prescott! bedrooms, patio to enjoy theHOME...Beautiful roses and mountain views. Fencedstone and cross fenced, a lovely and Each Keller Williams® Realty office is independently owned and operated 2.22shet acre lot with incredible 360˚ views! Newer gas heat andsecond A/C. baths, granite bathrooms and kitchen, new redwood deck of Thumb storage forcorner allinyour goodies. Plenty of room to store all your toysnatural onwith the views extra lots. The main BEAUTIFUL, LARGE FAMILY HOME with views in Diamond Valley! No with HOA. AllRed main Large rooms and lovely living room with fireplace. Roomy granite Butte and Granite Mountain. You won’t want towas miss this one! $249,900 bedroom could be converted back to two rooms - wall removed andkitchen is a huge bedroom. eom the& level Rock living with 3and bedrooms, 2 baths on main level & huge bedroom counters new stainless steel appliances. Master andfamily 2nd BRroom, access the deck& Lane in Cordes Jct. MLS # 998197. $104,900. the k. 3/4 bathfrom N.2Marina Street • Prescott, AZ 86301 on lower with access covered patio. Nice covered deck. Frenchlevel doors. RVoutdoor pkg,231 addt’l car to carport, 2 sheds. MLS#985325. $259,990 . Extra BEAUTIFUL, bonus storage has concrete floor. Fenced backyard mature landscaping. plus Each Keller Williams® Realty office is independently owned and operated LARGE UPDATED HOME in Prescott Valley Unit #20. 3 bedrooms, plus BEAUTIFULLY UPDATED SANTA FEyou - Minutes to Prescott! 2 bedrooms, 2 d Includes the lotand next roomsits forDowntown extra parking or RV parking. den/office a door large and 3 cargives garage. Home on .41 acre lot that is fully fenced baths, granite in bathrooms and kitchen, new redwood deck with views of Thumb Y4 MLS#985799. $334,900 and room for RV parking. Updated paint, flooring, bathrooms, and roof was new 4 and Granite Mountain. You won’t want to miss this one! $249,900 y be the Butte years ago. Custom built-in entertainment system. This home has something for at the everyone, so schedule your showing today! MLS#984796. $275,900

Each Keller Williams® Realty office is independently owned and operated

misscindy@cableone.net www.cindyleesellsprescott.com

928-533-0321

misscindy@cableone.net www.cindyleesellsprescott.com

231 N. Marina Street • Prescott, AZ 86301 www.cindyleesellsprescott.com Each Keller Williams® Realty office is independently owned and operated

Great chance toUPDATED own this SANTA one of FE a kind property in the Mountain Club! 3 bedroom2 BEAUTIFULLY - Minutes to Downtown Prescott! 2 bedrooms, 2baths, bath with a 2incar garage and for small RV parking. lot with stone granite bathrooms androom kitchen, new redwood deckCorner with views of Thumb WELCOMEfireplace. HOME...Beautiful stucco with stone accent 3your bd, 2own, ba inthis Chino Valley on wood WithYou some personal make Butte burning and Granite Mountain. won’t want toupdating miss thistoone! $249,900 2.22 corner lot place with incredible 360˚ views! Newerthe natural home willacre be the perfect to call home. Nestled amongst pines gas and heat and A/C. Largetorooms and lovely living withsee. fireplace. Roomy kitchen with granite minutes downtown Prescott, thisroom is a must MLS# 996519 $249,700.

www.cindyleesellsprescott.com

counters and new stainless steel appliances. Master and 2nd BR access the deck from French doors. RV pkg, addt’l 2 car carport, 2 sheds. MLS#985325. $259,990

stuccoAND withNO stone 3 bd, 2TO baEVERYin Chino Valley on ARE YOUWELCOME LOOKING HOME...Beautiful FOR PRIVACY - VIEWS HOAaccent YET CLOSE

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CALL CINDY AT 928-533-3176

WELCOME HOME...Beautiful stucco with stone accent 3 bd, 2 ba in Chino Valley on

2.22 acre Great cornerlocation lot with incredible 360˚ views! Newer gas heat corner lot with 360˚ views!1500 Newer gas heat REDUCED!!! with amazing opportunities. 1500 sq.natural ft. workshop. 120and A/C. 2.22 acreGreat location withincredible amazing opportunities. sq.natural ft. workshop. 120 and A/C. Large rooms and shed. lovely1100 living with1fireplace. kitchen with granite REDUCED!!! sq. ft. block storage sq.room ft. 1 bed, bath homeRoomy with porch and carport. Large rooms andshed. lovely living room with fireplace. Roomy kitchen with granite sq. ft. block storage 1100 sq. ft. 1 bed, 1 bath home with porch and carport. 5060 Roadrunner -new JUST LISTED - water $234,900. Gorgeous and sq. out… RV Parking -sellers, NO counters and stainless steel Master and 2nd access the2 deck counters and new stainless steel appliances. Master and 2nd BR access the deck BEAUTIFULLY UPDATED SANTA FE -appliances. Minutes to Downtown Prescott! 2 bedrooms, The T-shirt shop with power, and bathroom 3500 ft. Motivated BEAUTIFUL, LARGE FAMILY HOME with views inside inisDiamond Valley! NoBR HOA. AllHOA. main The T-shirt shop with power, water and bathroom is 3500 sq. ft. Motivated sellers, 3price Bedroom 2 Bath Split Floor plan. Beautiful for entertaining fully fenced! from French doors. RV pkg, addt’l 2backyard car carport, 2huge sheds. MLS#985325. $259,990 baths, granite in3 bathrooms kitchen, new redwood deck with views Thumb recently reduced. Bring inand MLS#978090. $189,900 level living with bedrooms, 2offer. baths on main level & family room, of bedroom & from French doors. Bring RV pkg, addt’l 2 car carport, 2 sheds. MLS#985325. $259,990 price recently reduced. in offer. MLS#978090. $189,900 Butte and Mountain. You won’t wanttotocovered miss this one!Nice $249,900 3/4 bath onGranite lower level with outdoor access patio. covered deck. 928HOMES.COM BU Y SEL L RENOVAT E RE A L E S TAT E 928HOME S 7 Extra bonus storage has concrete floor. Fenced backyard - mature landscaping. BEAUTIFULLY UPDATED SANTA FE - Minutes to Downtown Prescott! 2 bedrooms, 2 BEAUTIFUL, LARGE FAMILY HOME with views in Diamond Valley! No HOA. All main

PKrescott itchens

Creating Functional Beauty

Custom Cabinetry Designs for Every Room in Your Home

Dennis & Candy McKeown - Owners

Dennis & Candy have worked in the cabinet industry for over 25 years. Their combined experience provides clients with the best: • Personalized Designs to fit your Lifestyle • Quality Products - starting with ALL WOOD Cabinetry • Exceptional Value • Turnkey Project Management • Unparalleled Customer Satisfaction

Call To Schedule A Free In-Home Consultation 928-583-7520 Private Showroom By Appointment Only prescottkitchens.com 8

928HOME S BU Y SEL L RENOVAT E RE A L E S TAT E

928HOMES.COM

t 1011 Sheriffs Posse Trail, Prescott, MLS 999375 • $642,900 Don’t miss this incredible home in Timber Ridge! Deck living and abundant windows throughout this 3675 SF home. 4 bedrooms, 2.5 baths + 2 offices. Enjoy hickory floors, a floor to ceiling stone fireplace and an aspen tongue and groove ceiling. The detached addition would make a great artists studio, hobby area, office, game room or guest area. 3 car garage with workshop area.

3165 W. Elk View Dr. Prescott u MLS 995851 • $875,000 Live on 2 pined acres in the private community of High Valley Ranch. This single-level home offers 4 bedrooms, 3.5 baths, an office, a chef’s kitchen and a 3 car garage. Meadow and wildlife views from the back deck. Abundant storage or extra space to expand under the home.

C ONTRA C R E UND

! SOLD

1927 Pine Tree Drive, Prescott SOLD for Full Price

1977 Pine Tree Drive, Prescott MLS 996618 • $474,000

Relax on your back deck and listen to the breeze through the pine trees! This 2 bedroom, 2 bath home is light and bright and has a wall of windows that looks out to open space.

Meticulously maintained single-level home in a park-like setting. Newer roof, inside paint and appliances. Upgrades include alder cabinets, wood shutters, fireplace, double ovens and a covered patio.

Eileen Nalda

RESIDENTIAL BROKERAGE Owned and operated by NRT, LLC

928HOMES.COM

SRS - Seller Representative Specialist ABR - Accredited Buyer’s Representative Coldwell Banker International Sterling Society 2015 EileenNalda@msn.com • (928) 925-5166 255 E. Sheldon St. • Prescott, AZ 86301 BU Y SEL L RENOVAT E RE A L E S TAT E 928HOME S

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20. Lakeview Estates 21. The Summit 22. Hilltop Estates 23. Prescott Lakes 24. Santa Fe Springs 25. Prescott Highlands 26. Creekside 27. Eagle Ridge 28. Cloudstone 29. Cliff Rose 30. Kingswood 31. Forest Trails 32. The Ridge At Iron Springs 33. Enchanted Canyon 34. The Heritage 35. Aspen Creek Meadows 36. Hassayampa 37. Historic District Area 38. Summit Pointe Estates 39. The Foothills

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Chino Valley 63. Quail Ridge 64. Appaloosa Meadows 65. Brightstar

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Dewey 56. Prescott Country Club 57. Villages at Lynx Creek 58. Quailwood 59. Estates at Cherry Ridge

Prescott Valley 49. Viewpoint 50. Pronghorn Ranch 51. Mingus West 52. Granville 53. Victorian Estates 54. Stoneridge 55. Prescott Ridge 66. Mingus Meadows 67. Prescott Prairie 68. Poquito Valley 69. Antelope Meadows

40. The Mountain Club 41. Forest Hylands 42. Copper Canyon Village 43. Timberridge 44. Haisley Homestead 45. Hidden Vallen Ranch 46. The Ranch at Prescott 47. Yavapai Hills 48. Lynx Mountain View Estates 61. Alta Vista Senior Living 62. Gardener Cove Townhomes 70. The Dells - Prescott

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928HOMES.COM

The Norkus Group

The Key to your Real Estate Success Di Ann Norkus

Top Producer - Presidents Circle

928.710.0148 danorkus@hotmail.com

www.Home2PrescottAZ.com 231 N. Marina Street • Prescott, AZ 86301 Office: 928.777.8331 • Fax: 928.708.0022

Featured Listings

Newly constructed home in Prescott Lakes 2952 Noble Star Dr., Prescott 3 BR, 4 BA, 3,430 Sq. ft. MLS # 999749 • $599,900

Exquisite Workmanship And Design 1195 W. Longview, Prescott 4 BR, 3 BA, 3,082 Sq ft. MLS # 999027 • $674,900

Beautifully Situated On Over 2 Acres 13775 N. Spotted Eagle, Prescott 3 BR, 2 BA, 2,641 Sq. ft. MLS # 999490 • $599,900

Fabulous View Home In The Tall Pines 317 Skyline Dr., Prescott 2 BR, 3 BA, 2,393 Sq ft. MLS # 997327 • $475,000

928HOMES.COM

BU Y SEL L RENOVAT E RE A L E S TAT E 928HOME S

955 Broken Branch Drive MLS 987134 • $3,349,000 Rustic, elegant estate in Hassayampa on 3.35 acres. Breathtaking views, nearby Prescott National Forest.

2031 Thumb Butte Road MLS 998383 • $2,700,000 Amazing French Country Estate just minutes from downtown on 7 acres with horse privileges.

1800 Fall Creek Lane MLS 998644 • $2,450,000 Guy Naus designed home in Hassayampa w/Granite Mtn & Thumb Butte views. 4 bd, 4.5 ba, 6548 sf.

4390 W. Fort Bridger Road MLS 998692 • $1,225,000 Custom luxury mtn lodge in American Ranch! Elevated lot, heavily treed. 5 bd, 4 ba, 4907 sq ft, 1.42 acres.

240 E. Marapai MLS 973945 • $1,050,000 Stunning jewel in the forest abounding in luxury & elegance. In-law suite, 2 FPs, 4600 sq. ft., 4 bd, 3 ba.

6475 W. Inscription Canyon Drive MLS 994436 • $749,000 Spectacular unobstructed views of Granite Mtn from this custom log home on a corner lot!

1640 Stoney Lane MLS 997448 • $725,000 Beautiful like-new luxury home in Hassayampa. Alder & granite. Two fireplaces. Private setting.

1488 Creekview MLS 994246 • $724,700 Beautiful quality home in prestigious Southview subdivision! Tremendous views, 3 bd, 2.5 ba.

2595 Bard Ranch Road MLS 975411 • $699,000 Serenity in Granite Oaks. 3965 sq. ft., 3 bd, 3.5 ba, gourmet kitchen, hot tub/spa rm, all on 1.81 acres.

575 Golden Hawk Drive MLS 988396 • $579,000 Gorgeous custom home with walkout basement, 4014 sq. ft., 2 masters, ofc, media rm, 3 car gar, more!

2725 W. Boone Court MLS 999026 • $550,000 Gorgeous Santa Fe style home with panoramic views on 1.58 acres. 2,665 sf, 3 bd, 2.5 ba.

835 Sunami Court MLS 993575 • $292,000 Turn-key home in prestigious Yavapai Hills! 1819 sq. ft., 2 masters, 2 car garage, backs to open space.

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1800 Fall Creek Lane MLS 998644 • $2,450,000 Guy Naus designed home in Hassayampa with Granite Mountain & Thumb Butte views. 4 bd, 4.5 ba, 6548 sf.

Larry Busbee (928) 710-3946

10653 E. Oxbow Drive MLS 998390 • $245,000 Beautifully maintained single level home in a desirable, quiet neighborhood. 1624 sq ft, 2 bedrooms, 1.75 baths.

Jim Couvreur (928) 713-1692

1530 N. Hidden Valley Way MLS 980278 • $24,000 2+ acre corner parcel zoned for horses with building pad set high for panoramic views. Peaceful, country living.

Penny Waid (928) 899-7299

larrybusbee@ cableone.net

couvreur@ cableone.net

pewaid@ cableone.net

1042 Hyland Circle Cheryl Hillestad MLS 999459 • $391,500 (928) 642-0223 Highly sought after Forest Hylands home in the pines! cherylhillestad@ Completely remodeled, 2682 sq ft, 3 bedrooms, 3 baths. realtyexecutives.com

508 Goshawk Trail Holly Hankinson MLS 997454 • $389,000 (928) 499-7832 Just like new with fresh paint and flooring! Great views, holly@prosperaz.com luxury features, maintenance free. 2634 sf, 4 bd, 2.75 ba. www.ProsperAZ.com

1174 N. Rusty Nail Road Robbie Edwards MLS 998910 • $324,900 (928) 848-7670 Very popular floor plan in StoneRidge. Many upgrades, robbie@prosperaz.com fireplace, granite, tile, views, community amenities. www.ProsperAZ.com

~~~~~~BUYERS AGENTS ~~~~~~

1650 W. Antelope Run Road MLS 998693 • $19,900 What a deal for your mini ranch! 8.63 acres you could split or keep it all! Area of good wells. Perimeter fenced.

Stephen Jones (928) 308-0080 sajones1515@ gmail.com

Carol Reill (480) 250-8880

Leonor Sebastia (928) 899-9655

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BU Y SEL L RENOVAT E RE A L E S TAT E 928HOME S

Featured Listings 13155 N. Yaqui Dr., Prescott MLS # 996006 • $859,000

TI V AT E

Elegant Inscription Canyon Santa Fe. This custom single level has 3,302 sq.ft. set on 1.09 acres, with a gated front courtyard, huge covered back patio with a built-in fireplace, a 680 sq. ft. detached man cave/workshop, full RV hook-ups, AND paid-for SOLAR. Filled with gracious details: Hickory wood floors, peeled Pine columns, curving walls, stacked stone Hearth & Fireplace, an Island kitchen, wall of windows, split 3 bedrooms & an office. Truly beautiful!

1400 S. Table Mountain Rd., Chino Valley MLS # 996120 • $449,000 REDUCED! Unique & stunning octagonal home, surrounded by panoramic views! 5,300 sq. ft. on 4.68 acres. Designed around a gorgeous center staircase with 2 bedrooms, 2 baths, kitchen & laundry all on the main floor. 2 more bedrooms, a huge bath, family room & amazing storage below. Full drive-up access to both levels! Perfect for teens or as a mother-in-law suite. NO HOA & room to spread out with your animals & toys. You must see this incredible home in person!

0 Off Bethany Lane, Chino Valley MLS # 995050 • $59,000 Build your dream home on 5.61 acres of incredibly beautiful land! Easy access, soft rolling hills, trees and VIEWS, all in area of good water, electric to the lot line, and SB homes only. All corners are staked. Owner may carry with 20% down.

Diane Traynor Sowinski

Office: 928 -776-1166 Cell: 928-533-0992 diane@thinkprescott.com

To view Virtual Tours, and all MLS listings, visit www.diane.prescottforsale.com

914 E. GURLEY STREET STE. 100 • PRESCOTT, AZ 86301 • 928-533-0992 14

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Featured Listings Appaloosa Meadows

CLASSY APPALOOSA MEADOWS HOME WITH GREAT VIEWS! Enter this like new home, used as a 2nd home, at the cozy front porch, perfect for morning coffee at sunrise or happy hour in the evening. This open floor plan home features tall 10 ft. ceilings with ceiling fans throughout, a gas fireplace with easy switch turn on, large tile and carpet flooring. Upgraded with gorgeous Hickory cabinets throughout and pull outs in the kitchen, Corian counter tops and walk-in pantry. The large master retreat is roomy with garden tub, large walk-in closet and a tall slider to the back patio. Property has many builder upgrades that make this home stand out, custom easy care landscaping with drip system, classic white vinyl fence with mesh wiring fencing and wired for surround sound including the patio and garage. Over-sized 3 car garage has tons of storage, workbench, and a side door for easy access to the side yard. The back patio is both covered and uncovered, electricity and plumbing are ready for an above ground spa. Take in the absolutely stunning mountain and Mary’s Mesa views as picturesque sunsets are common here! The backyard on this 1.29 acre lot is a wide open blank canvas to make your own with RV access and 220V. MLS #998947. Offered at $350,000.

Paulden

Fabulous property - 5.7 acres on rolling hills with a nice flat building pad. Neighboring the Rimrock subdivision, bordering state trust land to the north. Utilities at the lot, wells in the area are huge producers. Privacy and the most beautiful view in Yavapai County, only minutes to shopping and restaurants. Paved roads to lot. Owner carry terms available. MLS#978918. Offered at $34,900.

If you are looking for wide open spaces and fabulous views, on an easy to build parce with a WELL installed, here is your lot! Located in the desirable Rimrock subdivision. Only minutes to shopping and restaurants, with paved roads to lot. Bring your plans and your horses. This 5.88 acre lot is priced to sell. Owner carry terms available. MLS# 978920. Offered at $54,900.

Office: 928-776-1166 Cell: 928-533-0902 kathi@kathirafters.com

Kathi Rafters

To view Virtual Tours, and all MLS listings, visit www.KathiRafters.com

914 E. GURLEY STREET STE. 100 • PRESCOTT, AZ 86301 • 928-533-0902 928HOMES.COM

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A new FHA rule enabling the purchase of a home with a reverse mortgage is giving senior adults greater flexibility when it comes to where they live and the type of home they live in. This new means of financing the purchase of a home has created the opportunity for seniors to downsize, move to a house that is more comfortable, safe, and is convenient to services, or move closer to family. The qualifying age for a reverse mortgage is 62 or older, and it does not affect social security and medicare benefits. “We are experiencing a surge of seniors who are buying a home with the reverse mortgage,” Bill Binkey, Frontier Financial said. A house purchased under this new program must be a primary residence and will require a large down payment. However there are no monthly payments required as long as one spouse remains in the home. To learn more about the reverse mortgage purchase program, you can contact Bill Binkey. He will provide a free reverse mortgage informational package and confidential estimate. For more information call 928-237-9599.

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plus BEAUTIFUL, LARGE UPDATED HOME in Prescott Valley Unit #20. 3 bedrooms, on .41 acre lot that is fully fenced den/office and a large 3 car garage. Home sits Prescott! 2 bedrooms, 2 to Downtown Minutes FE -roof SANTAand BEAUTIFULLY UPDATED 4 was new bathrooms, and room for RV parking. Updated paint, flooring, and kitchen, new redwood deck with views of Thumb in bathrooms baths, granite This home has something for system. entertainment built-in years ago. Custom 0118950 / AZMB 976231 NMLS Mountain. You won’t want to miss this one! $249,900 and Granite Butte everyone, so schedule your showing today! MLS#984796. $275,900

WANT TO KNOW WHAT x 2.25” 3.75” IS WORTH? YOUR HOME bleed includes 928-776-1166 Office: TODAY! US CALL WANT TO KNOW WHAT Cell: 928-533-0902 kathi@kathirafters.com YOUR HOME IS WORTH? Kathi Rafters www.KathiRafters.com TODAY! US CALL WANT TO KNOW WHAT 914 E. GURLEY STREET STE. 100 • PRESCOTT, AZ 86301 YOUR HOME IS WORTH? 20 CALL US TODAY! plus BEAUTIFUL, LARGE UPDATED HOME in Prescott Valley Unit #20. 3 bedrooms, - Minutes FEfully SANTA fencedto Downtown Prescott! 2 bedrooms, 2 that is .41 acre lot Home sits onUPDATED den/office and a large 3 car garage.BEAUTIFULLY new 4redwood deck with views of Thumb kitchen, androof was new bathroomsand granite inbathrooms, baths,flooring, and room for RV parking. Updated paint, won’t want for to miss this one! $249,900 Mountain. something Granite home hasYou Butte and This system. years ago. Custom built-in entertainment everyone, so schedule your showing today! MLS#984796. $275,900

plus BEAUTIFUL, LARGE UPDATED HOME in Prescott Valley Unit #20. 3 bedrooms, fenced den/office and a large 3 car garage. Home sits on .41 acre lot that is fully new 4 and room for RV parking. Updated paint, flooring, bathrooms, and roof was for years ago. Custom built-in entertainment system. This home has something everyone, so schedule your showing today! MLS#984796. $275,900

120 REDUCED!!! Great location with amazing opportunities. 1500 sq. ft. workshop. carport. sq. ft. block storage shed. 1100 sq. ft. 1 bed, 1 bath home with porch and sellers, The T-shirt shop with power, water and bathroom is 3500 sq. ft. Motivated price recently reduced. Bring in offer. MLS#978090. $189,900

Thumb

Linda Kelly-Bryant

914 E. Gurley St. Prescott, AZ 86301

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The Key to your Real Estate Success

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Presidents Circle

www.Home2PrescottAZ.com 231 N. Marina Street • Prescott, AZ 86301 Office: 928.777.8331 • Fax: 928.708.0022

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120 REDUCED!!! Great location with amazing opportunities. 1500 sq. ft. workshop. carport. sq. ft. block storage shed. 1100 sq. ft. 1 bed, 1 bath home with porch and Top Producer sellers, The T-shirt shop with power, water and bathroom is 3500 sq. ft. Motivated price recently reduced. Bring in offer. MLS#978090. $189,900

Northern Arizona

Terri Chase

NMLS 976231 / AZMB 0118950

West USA Realty Prescott

accent 3 bd, 2 ba in Chino Valley on WELCOME HOME...Beautiful EVERYTO stone CLOSEwith NO HOA YETstucco ARE YOU LOOKING FOR PRIVACY - VIEWS AND lot gas heat and A/C. 360˚ views! 2.22 acre corner 4with the natural may beNewer garage potential car incredible THING? This 3 bd plus bonus room with oversized kitchen with granite fireplace. with living lovely andyou Large roomsfor at theRoomy Privacy home! yourroom to call one for you. VIEWS and peace are waiting steel appliances. Master and 2nd BR access the deck new stainless andGEM! counters MLS#985756. $259,990 a true end of a dead end street, this one isFrench doors. RV pkg, addt’l 2 car carport, 2 sheds. MLS#985325. $259,990 from

Veteran accent 3 bd, 2 ba in Chino Valley on US Navy with stone WELCOME HOME...Beautiful stucco Newer natural gas heat and A/C. views! EVERYTO360˚ lot with CLOSENMLS corner YETincredible acre NO HOA AND VIEWS 965030 ARE YOU LOOKING FOR PRIVACY -2.22 fireplace. room with be the Roomy kitchen with granite livingpotential may lovely rooms and garage 4 car with oversized THING? This 3 bd plus bonus room Large Master and 2nd BR access the deck steel appliances. stainless Privacy at the and your home! countersfor to call younew one for you. VIEWS and peace are waiting 2 car carport, 2 sheds. MLS#985325. $259,990 RV pkg, addt’l $259,990 French MLS#985756. GEM!doors. a true end of a dead end street, this one isfrom

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RENOVATE

www.Home2PrescottAZ.com Marina Street • Prescott, AZ 86301 231 N. www.TheDonPartchGroup.com Office: 928.777.8331 • Fax: 928.708.0022

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MLS#985799. $334,900 All main BEAUTIFUL, LARGE FAMILY HOME with views in Diamond Valley! No HOA. bedroom & level living with 3 bedrooms, 2 baths on main level & huge family room, deck. 3/4 bath on lower level with outdoor access to covered patio. Nice covered Extra bonus storage has concrete floor. Fenced backyard - mature landscaping. Includes the lot next door and gives you room for extra parking or RV parking.

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1401 Prescott Lakes Pkwy

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928-533-0321

Frontier Financial of Arizona 8028 E Highway 69 Suite 104 Prescott Valley AZ 86314 928-899-6237 AZ BK #0910428 NMLS # 150085

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Cheryl Fernandez:

231 N. Marina Street • Prescott, AZ 86301

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We have a WELL! Off-grid dream come true sitting on top of a knoll with views to Flagstaff and in all directions! This is a beautiful 2 bedroom (could be 3 bedroom), 2 bath home with AZ room and full length decks. Property also boasts a 24x36 two car garage plus workshop, bunkhouse, skeet range, gun range, a great garden area including fruit trees, abuts State Land on the north boundary. MLS# 999171 $175,000

SHARLENE BARNETT, Broker Yellow Building, 8th and Park P.O. Box 967 Ash Fork, AZ 86320 homegiver@hotmail.com www.CountryLifeRealtyAZ.com

Office: 928-637-2399 Cell: 928-853-3079

Nice off grid, 3 bedroom two bath, great potential for a nice family home getaway. Mostly fenced with great mountain views and lots of room on this 1.66 acres. A nice raised bed garden set up with plants already producing. Call today for a showing. MLS# 999263 $95,000

LAND

Easy access with wide open views . This is a 43.09 acre parcel that has been split into 4 parcels. It can be purchased as 10+ acre parcels or the entire parcel for $25,000. 10+ acres is $7,500, $2,000, down at 7.2% for 3 years at $170 per month. Property is marked with red tipped white PVC pipe. MLS# 999162 Price $7,500 85.36 Acres to railroad and national forest for great hunting camp or private compound. Wildlife observation and Quad riding. MLS# 991609 $55,000

Great 2 bedroom, 2 bathroom home on 1.72 acres. Beautiful views on county maintained roads. Nice deck in front to enjoy sunsets and hot tub in back to soak away the busy day. Don’t miss out on this one. Priced to sell!! MLS# 997397 $100,000

Nice 40 acres with natural, level building sites with a seasonal stream. Many beautiful trees for seclusion and privacy. Big views of surrounding mountains and easy access off main road. MLS# 992831 $30,000 2.06 acres with utilities set up already not far off payment. Make it easy on yourself when setting up your new home. This property has septic, electric, water tank, partial fencing, and phone available. Power will require a new pole set. Property also has two sheds. MLS# 991140 $20,000

Site Built with the interior feel of a log home. Complete with half log embedded stairs, wood burning stove, copper sheet ceilings, wood slab counter in bathroom, cast iron tub,much more. Large quonset hut style garage is also on property. MLS # 992660 $115,000

C DU

Remote with comfort: Totally off-grid home with all the comforts you’d get in town, including hot tub and gym. This 3 bedroom, 2 bath home comes furnished along with a 2nd unfinished cabin all on 40 ac. Private with herds of wildlife. MLS# 984386 $145,000

C DU

Water, Power and Phone. Comfortable 3 bedroom, 2 bath home on 4 acres with Juniper trees. Just off pavement with all the amenities. A perfect home to escape from the heat and to relax under the stars. MLS# 998168 $125,000

C DU

Nicely treed 6.4 acres with good access. Partridge Creek frontage for seasonal water enjoyment. MLS#992846 $17,500 Nice 2 bedroom, 2 bath home sitting in a small canyon with a wash that attracts wildlife. Views, hiking and privacy. Hike to hilltop for panoramic rewards or great star gazing! MLS# 999625 $125,000

Commercial property right on pavement. Start your next business with easy and all amenities. MLS#986317 $15,000 Flat and entirely useful. Heavily treed 20 acres with big views. Two ways to get to this property. A beautiful piece of property. MLS#986473 $14,900 #8 - Huge views, 10 acres to visit, play on, build and enjoy. If you like beauty and views, this one’s for you! MLS#986177 $14,500

This is an exceptionally beautiful and well maintained Yurt located on 22.57 acres of Juniper and Pinion pines. Charming guesthouse Yurt included. Escape to this unique and peaceful paradise! MLS# 996852 $130,000

U ED

10 acres of wide open space. Close to pavement with easy access. Good horse property or watch the antelope roam. MLS# 991015 $12,000 Luxury cabin in the woods on 19+ acres. Off-grid 2 bedroom, 2 bath dream home with attached one bedroom apt./ mother-in-law guest quarters with own kitchen. Two car garage, horse set-up, large covered garden. Close to town, yet secluded and private. MLS# 997508 $235,000

A 2.5 acre parcel nicely treed with privacy yet good access. Property has 1200 gallon in ground water tank, RV pads and 2 driveways. There are culverts and cinder rock on driveway pads. MLS# 995916 $11,000

4.47 acre hobby ranch retreat across from National Forest. Lovely 3 bedroom, 2 btha home with spacious front and back covered decks. 2+ car garage. Pens for all sizes of animals and fully fenced. MLS# 997140 $205,000

1034 N Cloud Cliff Pass, Prescott Valley

MLS # 999666 • $340,000

Gorgeous StoneRidge Lupine Plan home. 2,070 Sq. ft., 3 bedroom, 2 bath an 2 car garage. Open concept granite kitchen with upgraded oak cabinetry w/crown molding and 45’’ uppers, granite island, white appliances + refrigerator, gas cooktop + wall microwave & wall oven, deep Kohler Sink, reverse osmosis & nickel fixtures. Great room with oak hardwood flooring, built in media niche, tiled cozy fireplace, recessed lighting, horizontal wood blinds & vertical blinds, big windows & slider to private rear yard. Master Bedroom with marble counter, dual sinks, oak cabinetry, dual closets, heat lamp, clear glass shower, oval tub, glass block window, diagonal floor tile, private toilet room. Exterior with custom security door, lighted ceiling fan, big paver extended patio, 6 panel doors, new interior paint, carpet pro cleaned.

Northern Arizona

Terri Chase 914 E. Gurley St. Prescott, AZ 86301

928HOME S BU Y SEL L RENOVAT E RE A L E S TAT E

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7651 E Bravo Lane, Prescott Valley

MLS # 999529 â&#x20AC;˘ $475,000 Beautiful panoramic Bradshaw mountain view from this gorgeous StoneRidge granite plan. 3487 sq ft., 5 bedroom + bonus room, 3 bathroom, 2 car garage, formal living room, formal dining room, great room and loft. Open concept granite kitchen with stainless appliances, S/S sink + refrigerator, Knotty Alder cabinetry, granite island, granite Butlers Cabinetry with wine rack, large double door pantry, double oven & recessed lighting. Great room with built-in media niche, big sunny windows, drapes, carpet flooring, lighted ceiling fan & tiled dining area with slider to rear yard. Spacious master bedroom with view windows, oval garden tub, glass enclosed shower, linen closet, exec height dual vanities with marble counter, mirrored medicine cabinets, walk-closet with custom built-ins, & private toilet room.

Northern Arizona

Terri Chase 914 E. Gurley St. Prescott, AZ 86301

928.925.9366

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Stunning City & Mountain Views! Former Model Home on choice 1/2 acre lot. Custom design featuring a Wall of Windows viewed upon entry and complete main level living! Desirable open great room that flows into the kitchen and dining. Multiple decks offered for outside enjoyment. Master suite with deck access and â&#x20AC;&#x2DC;spa-styleâ&#x20AC;&#x2122; bath , den, additional full bath, laundry all on main. Downstairs includes a huge en-suite complete with sitting area and private patio, family room with patio access, two additional bedrooms, and 2.5 baths. Storage/Garage? Yes, we have plenty! Plenty of storage room plus the garage (nearly 800sf) may be room for 2.5 to 3 cars plus built-in storage. Pines in the front & back. And 10 minutes from downtown Prescott! 4200 square feet with dual zone A/C/heat, 4 bedrooms, 4.5 baths,

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5 Newbie Mortgage Mistakes (and How Much Each Could Cost You) Plus 5 ways to save yourself thousands. Can’t wait to cozy up in that cute Colonial, but anxious about signing up for your first mortgage? We get it. Buying your first home is a big stinking deal. But with a little know-how, it’s easier than expected to make smart mortgage moves and save big bucks over the course of your loan. By avoiding these mistakes, you can put your home-buying butterflies to rest.

1. Finding Your Home Before You Find Your Mortgage How Much It Could Cost You: Enough to send your future kid to college. Seriously, over the life of the loan, you could end up paying tens of thousands of dollars more in interest and fees than you need to. Why People Mess This Up: If you don’t have your financing buttoned up before you find your dream home, your desire to win the bid could influence you to offer a higher price and overpay on a mortgage because you had no time to shop around. Getting your financing all set before you feel the pressure to make an offer gives you time to qualify for a more attractive loan and gives you the confidence to make a fair offer because you’re a qualified buyer. How to Avoid It: Start talking to lenders at least three months — maybe even a year — before you start house hunting. Time-consuming tweaks like paying down debt or improving your credit score can have a dramatic effect on overall mortgage costs.

2. Not Comparing Loans Correctly How Much It Could Cost You: Just like No. 1 above, you could overpay by tens of thousands over the life your loan. Why People Mess This Up: First-time buyers often get seduced by a low interest rate and don’t take into account the cost of fees. A lower-interest loan could actually cost you more than one with a higher rate because those fees can be steep enough to outweigh the interest savings, says Matt Oliver, senior loan officer with Lund Mortgage Team in Glendale, Ariz. How to Avoid It: Compare loans by the annual percentage rate, or APR, not just by interest rate. Each lender should give you a document aptly named “loan estimate.” The APR will be listed there (if it’s not, you don’t want that lender). The APR combines a home loan’s interest rate with closing costs and other fees like points (which is why it’s usually higher 22

928HOME S BU Y SEL L RENOVAT E RE A L E S TAT E

By Alaina Tweddale

than the interest rate), then converts the overall costs to an annual percentage. This gives you an apples-to-apples comparison so you can understand what you’re paying over the life of the loan. You’re welcome!

3. Falling for Marketing Gimmicks How Much It Could Cost You: More than enough to buy a good used car (or at least enough to cover Uber fees for a few years). Why People Mess This Up: ”Lenders use advertising hooks like, ‘We pay your mortgage insurance,’ or ‘You don’t pay the closing costs,’” says Casey Fleming, mortgage adviser in Silicon Valley, Calif., and author of “The Loan Guide: How to Get the Best Possible Mortgage.” Don’t be fooled. “You still pay those costs,” he says. “If you’re not paying in cash, you’re paying it in the interest rate.” Fleming estimates those costs can add a quarter point to an interest rate, which as an example, translates to $9,203 (the difference between a 4% interest rate and one that is 4.25%) for a mortgage of $176,000. How to Avoid It: Block out the noise. Shop for your mortgage according to trusted recommendations and reliable reviews, not slick deals that sound too good to be true.

4. Not Budgeting for Your Craft Beer and Yoga Pants How Much It Could Cost You: Time and money for the things you love to do, like meeting friends over a pitcher of the newest session beer, then hitting the gym in the morning to work it off. Why People Mess This Up: Lenders qualify you for what you technically can afford on a spreadsheet. They’re looking at your monthly debt-to-income ratio. They don’t look at what you spend your disposable income on: your passions and hobbies. So homebuyers often end up with a mortgage payment they can only afford by scaling back on the things they enjoy. “One homebuyer may be a homebody, like to cook, and have no pets to pay for,” says Dave Jacobin, president of 1st Mariner Mortgage. “Meanwhile, a second buyer with the exact same income and debt situation might travel every weekend, enjoy fine dining, or shop a lot. Lenders can’t look at that.” How to Avoid It: Track your spending monthly, so you really know how much you spend. Factor fun into your future when deciding which mortgage offer is the best fit. “Two years

into your home purchase, you want to be happy you did it,” says Jacobin. “You don’t want to be mortgage poor.”

5. Not Knowing How to Eyeball the Paperwork How Much It Could Cost You: Thousands of dollars in surprise closing costs. Why People Mess This Up: Because the paperwork seems so freaking daunting. But good news: As of October 2015, new mortgage rules require lenders to send you paperwork that actually makes sense. This new paperwork comes in two different documents. It’s much easier to scan and understand than the old paperwork, which used to be the model for everything bad about tiny legal print. 1. The loan estimate will come first. Here are some key things to look for: • The APR (see No. 2 above) • The interest rate • The monthly payment • The loan terms, such as a 30-year or 15year mortgage, adjustable rate or fixed • The total cost of the loan • Cash amount you’ll need at closing 2. The closing document will come at least three days before you close. It should look just like the first document, but instead of estimates it will have final numbers. If you see any increases or additional fees you weren’t expecting, question the lender immediately. Because if it shows even a tenth of a percent interest-rate jump you weren’t expecting (say 4.1% instead of 4%) — and you don’t question it — that could mean a difference of almost $3,700 on a $176,000 mortgage. How to Avoid It: Watch for those docs. Review and compare them. And, most importantly, don’t be afraid to speak up if you spot a surprise. Now, how easy was that? Alaina Tweddale is a freelance writer who writes about money, home, and investing. Her work has appeared on Forbes.com, the Huffington Post, and Time.com. When she’s not writing, she’s working with her husband to slowly renovate what seems like every square inch of their home. Visit Houselogic.com for more articles like this. Reprinted from Houselogic.com with permission of the NATIONAL ASSOCIATION OF REALTORS®" Read more: https://www.houselogic.com/finances-taxes/financing/mortgage-questions/?site_ref=mosaic Follow us: @HouseLogic on Twitter | HouseLogic on Facebook 928HOMES.COM

Judy Bluhm, Realtor

“Your Friend in Real Estate” 928-713-6100

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Looking to buy? W i t h o v e r 1,7 0 0 h o m e s o n t h e m a r k e t , it is easy to get lost. Allow me to help you...city, country, or something in between. I have the experience, knowledge and work ethic required to get you through the process enjoyably! After all, finding your home should be a pleasure.

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Kathi Rafters

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