Home Journal Sept. 2015 by Ernie Wood

The Home Journal, September 2015

Jill VAnThul

lori BArneTT

TonY mArshAll

TJ woJTAnowiCZ

TYler sChAd

390-1571

593-3242

786-5817

391-8669

863-1920

430-3710

Josh uhre

ChrisTin uhre

sTePhAnie lien Owner/Broker

Broker

390-8790

GreGG sTilTon Broker Associate

939-5649

Licensed Assistant

Broker Associate

390-8197

JACkson CYr Broker Associate

939-9799

Designated Broker

drew YeomAn Broker Associate

Broker Associate

CAl BAker

Broker Associate

484-5392

390-6680

niCi kuChenBeCker

Allen wellmAn

Broker

rYAn kellY Broker Associate

Broker Associate

AmAndA Thune Broker Associate

391-3203

430-2758

dAVe simPson

BeTsY Brose

Broker Associate

484-4044

939-6346

390-6117

574-0007

mike hArmon

mikAlA kulesZA

rJ Brownell

JosiAh lAFrAnCe

kellY lhoTAk

AdAm kArrels

381-3040

786-7645

415-2606

786-3098

390-6322

490-1701

Broker Associate

7290 castLeWooD Drive • wow! you must come see this 2 story home with high eNd fiNishes! • 3 Beds, 2 Baths • fiNished deN • mls# 123530 $299,900 • call tJ woJtaNowicz 863-1920

• over 3000 square feet total • Builder is offeriNg $5,000 at closiNg for closiNg costs • mls# 123531 $269,900 • call tJ woJtaNowicz 863-1920

tBD other • pristiNe property • 4 face views of mt. rushmore • Just miNutes from keystoNe aNd mt. rushmore • 160 acres • mls# 121768 $8,737 per acre • call tJ woJtaNowicz 863-1920

11719 W highWay 44 • fall iN love with this gorgeous 3.86 acre creek settiNg! • you will love the charm of this 2,340 sq ft home • romaNtic master suite • mls# 122712 $324,750 • call tJ woJtaNowicz 863-1920

2923 oLive grove court

• 3+ Bedrooms, 2+ Baths, great desigN! • almost ready for move iN! • orchard meadows suBdivisioN iNcludes medical, greeN space, gas statioN & golf course • other plaNs availaBle • mls# 121301 $227,900 • call toNy marshall at 391-8669

7116 marveL mountain roaD • Behold! 20 mile iNcrediBle views! • 3+ acres with all utilities • 5 miNutes to rapid city aNd/or i-90 • mls# 121887 $79,900 • call toNy marshall at 391-8669

12276 giLt crest PLace • Beautiful log home • situated privately oN 5 acres • move iN ready! • mls# 122683 $519,900 • call tJ woJtaNowicz 863-1920

309 aLta vista Drive

3108 crane Drive

tBD Dark canyon roaD

• custom Built home iN 2005 • sits oN 1.38 acres, 5 Bedrooms, 3.5 Baths • oversized shop / garage • amaziNg laNdscapiNg with fire pit • mls# 124217 $385,000 • call tJ woJtaNowicz 863-1920

• this may Be oNe of the Best BuildaBle lots iN dark caNyoN! • lot aNd views aNd creek froNtage • maNy differeNt BuildiNg sites • BriNg your ideas aNd Build your dream home • mls# 124625 $275,000 • call tJ woJtaNowicz 863-1920

22644 hazeL Lane

22727 coyote traiL

• Built for year rouNd comfort aNd luxury

• wow! Beautifully maiNtaiNed home iN creekside estates

• 4.94 acres & access to the hills maNy attractioNs

• 3 Bedrooms, 2 Baths, huge 3 car garage

• 4 Bedroom, 3 Bathroom

• opeN floor plaN

• mls# 122765 $427,800

• mls# 124416 $224,000

• call tJ woJtaNowicz 863-1920

25313 eDyth circLe

12246 other

• lookiNg for somethiNg uNique? look No further!

• a step aBove the rest! Beautiful custom Built home!

• 2 story desigN, 5 Bed, 3 ½ Bath

• Just uNder 3.000 square feet

• graNite couNtertops, quality caBiNets

• large opeN floor plaN

• mls# 122807 $489,900

• mls# 122281 $359,900

• call tJ woJtaNowicz 863-1920

23642 WiLDerness canyon • spectacular floor plaN & copper oaks settiNg • 4 Bedrooms oN same level, +1 dowNstairs • Black hills liviNg oNly 12 miN to rapid city • mls# 123001 $459,900 • call toNy marshall at 391-8669

919 WiDe vieW Drive • rare comBo of treed log home liviNg, spectacular view aNd less thaN a mile from the city limits • custom home Built iN 2006 • 3 Bedrooms, 3 Bath, 3 car garage • mls# 124199 $437,000 • call toNy marshall at 391-8669

• 3 Bedroom, 3 Bath aNd opeN floor plaN • custom couNtertops iN kitcheN & Bathrooms • large lauNdry aNd paNtry right off kitcheN • mls# 123147 $459,900 • call tJ woJtaNowicz 863-1920

4841 enchanteD Pines Drive • 4 Bedrooms, iNcludiNg master, oN the same level • Beautiful home with views • coNveNieNt to all activities • mls# 123965 $598,800 • call toNy marshall at 391-8669

4137 augusta Drive • Built iN 2001, maNy great features! • large deck with great views • massive family room • walkout to the Backyard right iN the 15th fairway of the elks golf course! • mls# 124542 $419,900 • call tJ woJtaNowicz 863-1920

VIPProperties.com

The Home Journal, September 2015

10075 Laramie Lane • New coNstructioN home is complete aNd move iN ready!

The Home Journal, September 2015

For all your real estate needs

offering new construction homes starting at $220,000. lots starting at $42,900. soil testing done on each home built. www.copperfieldvistas.com

Dave Butler

Cell - (605) 431-1000

dbutler@rushmore.com 625 1/2 Main St. Suite 6, Rapid City, SD 57701

We focus on your future.

348-7600 • Toll Free 1-886-302-7600 E-mail: conrads@rushmore.com

Specializing In 1031 Exchange & Buyer Representation

MLS #123964

$239,900

Conrad & Company Team

Sylvia Conrad

Broker, CRS, GRI, ABR 348-7600

Danelle Conrad

Broker Associate 348-7600 • Cell 390-7608

Marci Wieseler

Broker Associate 348-7600 • Cell 786-4323

Save Time and Money! Email, TExT or Call GrEG roTh gregroth@grbrrealty.com

605-391-0939

-attention sellers sellers-

Call for a FREE Brokers Price Opinion of Your Home.

full service real estate EXCEPTIONAL HOME VALUE

NEW LISTING

Exceptional family home at an affordable price. 3+ bdrms, 2 baths, and large heated 2 car garage. Formal dining room w/ large open kitchen. Formal living room + a family room w/ gas fireplace. Walkout onto a large patio in the privately fenced backyard. Separate 26X12 shop and equipment building.Garden and paved area for RV parking.Very special home with something for your whole family to ENJOY. Short walk to schools and shopping. Mls#123060 • $149,900. Call Greg Roth at 605-391-0939

Pristine home and community. 3 bedrooms, 2 bathrooms and large attached double garage with walkout. Large kitchen, open floor plan, high grade wood flooring throughout, ceramic tile and carpet where applicable. Dining with walkout deck and patio. High wooden fencing for privacy. move in ready, appliances and window coverings stay. Thank you for your consideration. Mls#123623

20+ES! R AC

ONE-OF-A-KIND FIND! SELLERS WILL CARRY FINANCING Just 600 feet from the shoreline of Sheridan Lake. Sit back and dream of living secluded in nature, no neighbors other than wildlife. A hunters paradise. Sellers paid $400,000 in 2002 for property. 20+ acre plat. mlS#117398. TBD Calumet Rd. • $250,000.

Greg Roth RealtoR®

owner/Broker SE NEW LISTING

One-level living with an attached garage. Open floor plan. Tile floors, 2 large bdrms, 2 full baths, master bdrm with walk in closet, and private bath. 1 owner with custom upgrades. Enjoy living maintEnancE frEE. Turn key ready and suitable for most handicap. Close to the hospital, new Wal-Mart, gas, dining, park and golf. Located in a desirable and growing southeast area. Low-cost utilities. Appliances included. MLS#124203 • E 867 (C) Minnesota • $119,500 Call Greg Roth at 605-391-0939

CASCADE SPRINGS RANCH

SW SIDE OF LAKE ANGASTORA WITH VIEWS OF THE CHEYENNE RIVER!

Very rare opportunity! Selling 320+/- pristine acres. Wildlife of all kinds including elk and deer. Special accommodations needed for showing so please call to see it today! Call Greg Roth at 605-391-0939

The Home Journal, September 2015

7140 Mulberry Dr

Immaculate inside and out, this charming home with vaulted living room, and trayed dining room ceilings, a center kitchen island, 4 bedrooms, 3 baths with dual shower heads in the master, a comfortable entertainment area, plus a surprise “castle” to delight young and old, all add up to ”Yes”. Now let’s go outside. One of the best .40 lots in Summerset with sprinkled manicured lawn, back area, fenced with play set, an East facing covered deck for Bar B Q’s and gatherings, ceiling insulated in the 2 car garage, plus a concrete pad for the RV or boat, and oversized shed for lawn maintenance. All of this within walking distance to the city park. Come and enjoy this home with me on Sunday August 23rd, between 1:00 and 4:00 P.M., or call to view.

The Home Journal, September 2015

REAL ESTATE | FINANCIAL CONSIDERATIONS

Can You Afford to Buy?

ou might think you’re ready to buy until you start crunching the numbers. It’s better to find out now that you’re not ready rather than when you’re already tied to a 15- or 30-year investment. Earning the title of homeowner can be an easy task, especially considering today’s low mortgage rates and banks’ willingness to open up their lending again. But retaining the title of home-

owner can be difficult if you’re not fully prepared for the extra finances. Potential buyers can sometimes forget to consider costs such as homeowners insurance, inspection fees or even general month-to-month repair and maintenance costs. Other costs that can impact your bottom line include those associated with moving, landscaping and upgrades you may want to make as soon as you are handed the keys. Budgeting for these items is an exercise in simple addition and subtraction. Be sure to take a close look at your income and expenses. Once you feel confident in what’s left over, you should feel secure in taking the leap.

MORTGAGE OPTIONS One way to give yourself some wig-

gle room in terms of your monthly mortgage payments is by reviewing your options as a borrower. Down payments typically range from 3 to 20 percent of the property value, depending on whether you decide to take out a loan that requires private mortgage insurance. Private mortgage insurance is a policy that allows mortgage lenders to recover part of their financial losses if a borrower fails to full re-pay a loan. It can be beneficial to a buyer who may not have a large down payment available because it makes it possible to buy a home with as little as 3 percent down. Realize that the trade-off here is a higher mortgage payment, so choose your path wisely depending on how much you have to put down and how much you’re comfortable spending on

a monthly basis.

GET ESTIMATES If you haven’t been through a home sale or purchase before, you may not realize how many moving parts there are to the process. Sure, you’re paying an agent to handle certain parts of the transaction and your title company for other aspects, but it comes down to you being an educated party to make sure everything goes according to plan. Work closely and regularly with your banker, Realtor and title company to obtain updated estimates for your closing costs. The last thing you want is to be surprised on closing day with a different amount required than what you were expecting to pay.

Dave Wilson owner/Broker/ auctioneer Cell 605-490-9959

R.T. shaW Broker associate Cell 605-490-1176

kaTe FJelsTaD ChaD GRahek Calli BeChTel Broker associate Broker associate licensed assistant 605-490-1688 Cell 605-391-5906 605-484-5499

auctions!

Residential listings!

sturgis Real estate Co. inc., & Promotions

$158,900

proudly presents: Sturgis Auctions Online — a new business venture! Visit www.sturgisauctions.com and Register to Bid! We will have frequent auctions featuring a variety of items. Anything from vintage and antiques to heavy equipment and machinery! We’re always taking items for consignment so feel free to contact our office with any inquiries.

visit www.sturgissd.com for more information

Commercial listings!

Call kaTe

$469,000 Mls

$239,000

Sale consists of 1100 Main Street and a City of Sturgis Malt Beverage License. Located in downtown Sturgis in the Heart of the Sturgis Motorcycle Rally on the corner of 1st and Main Street. This corner lot and concrete alley access are desirable with Main Street frontage! This beautiful stone and brick building stand out as an attraction by itself with rich history. Rally Apartments and complete living quarters are in the upper floor of the building. The rear paved parking area and covered patio is leased to vendors during the rally and used as an outdoor beer garden.

Call Dave

easy Rider’s saloon Mls 44719

$195,900

Famous year-round bar and restaurant in downtown Sturgis. Perfect venue for the annual Sturgis Motorcycle Rally! Encompassing almost an entire city block, Easy Rider’s Saloon comes complete with equipment, furnishings, and more! Updated on MLS!

$650,000 Mls 46090

Call RT

Hill City Real Estate only is For Sale. 5222 sq. ft. building with 74’ of the Heart of Hill City frontage. Located in the middle of Main Street, this building was remodeled in 2009 and a front Log Canopy was added for retail sales during the summer tourist season and annual Sturgis Motorcycle Rally. Perfect for the 75th annual rally this August!

$136,000

$790,000 Mls 46931

Located in the hottest action block for the annual Sturgis Motorcycle Rally! Newly paved w/ 53’ Main St. frontage by 150’ depth. Alley access, 18’x30’ garage and office building, lighting, water, sewer, & electric hookups. Prime location next to the Loud American Roadhouse and across the street from One Eyed Jacks Saloon. This property and lot is a rare offering on one of the busiest blocks in town! *Also offering one-time rental for the 75th annual Sturgis Motorcycle Rally - $65,000*

Call Dave

$310,000

Call Dave

Mls 46547

Pric

ced

u Red

$229,000

Mls 46565

Pric

uc Red

Call Dave

$60,000

Mls 47449

This 3BR/2BA, 1.5 story home is located 3.5 miles from Sturgis on 14.2 acres of fertile Avalanche Road land! With an amazing view of Bear Butte, Old West history, and a gorgeous addition added in 2009, this home and land is the perfect setting for a small farm or even a campground! 400 sq. ft. of the home is unfinished, including the master bath, walk-in closet, and a 3rd bedroom. All materials and fixtures for completion are included!

Call kaTe

Call Dave

$649,900

Mls 48980

This single-family home features 4 bedrooms and 1 full bath. An impressive 23,086 sq. ft. of property makes for a spacious yard, detached garage, carport and shed on-site! This home is located in a secluded neighborhood with little noise and traffic. Much potential for the annual Sturgis Motorcycle Rally or family residence!

Call Dave

This versatile retail building is easily spotted from Lazelle Street! The strip mall is divided into four retail spaces which are all currently leased! With great frontage, rally vendors are very keen on this area! Excellent income property!

Mls 48737

With fantastic views of the Black Hills, this 24.48 acre lot is perfect for developing residential building sites! This property has been platted into 18 one-acre lots, along w/ a single 6.9 acre lot. Sitting just South of the Boulder Canyon Golf Course and tucked back in a secluded area make for a very desirable location!

Call Dave

$309,900

Mls 48847

A perfect property for the annual Sturgis Motorcycle Rally! This 9.1 acre lot with both a home & mobile home, sits atop a beautiful view lot of the Black Hills! The home features a completely finished walk-out basement equipped w/ 3BRs/2Bas, 1 including a Jacuzzi tub! Upstairs is insulated and unfinished, but leaves room for potential. Mobile home is currently leased along w/ signage on the property’s storage unit. An overall great investment property!

Call Dave

Located at 1801 LaZelle Street in Sturgis, this 15,000 sq. ft. lot sits right on the NW corner of 8th St. and LaZelle. This space is perfect for vending during the Annual Sturgis Motorcycle Rally and other events. With the 75th Annual Sturgis Motorcycle Rally getting closer, you won’t want to miss out on this opportunity!

Mls 48810

Situated in the quiet Paisley Terrace Subdivision, this lovely 1652 sq. ft. home is ready to live in! This home features 3BRs/2BAs, remodeled basement, new kitchen in 2007 and roof in 2013, along with a large backyard! Gorgeous greenery, a 2-level deck a quick walk to the local park or downtown Main Street make for a desirable property.

WeBsiTe DoMain FoR sale: WWW.sTURGisRallY.CoM

Mls 47693

Boulder Canyon Paradise! Charming 1690 sq. ft. home on 1.17 acres. Beautiful woodwork throughout home, updated kitchen, large private backyard and more! New metal roof in 2000, deep well, 24x40 ft. garage w/ attached 12x40 ft. carport, deck and screened porch. With no covenants and only 7 miles from Sturgis, this property has much to offer!

Call kaTe

Mls 45062

Excellent opportunity to own and establish domain name with verified traffic! Current website content is included in purchase. CALL DAVE

The Home Journal, September 2015

990 Main street sturgis, sD 57785 Main 605-347-7579 FaX 605-347-7596 www.sturgissd.com www.sturgisauctions.com

The Home Journal, September 2015

Lewis-KirKeby-HaLL reaL estate, inc. Each Office is Independently Owned and Operated.

THE RESULTS PEOPLE SINCE 1963! Call one of our friendly, positive professionals today!

343-2700 or Toll Free 1-877-343-2700

Top Sales for July Top Producer

Top Producer Team

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Rearick Real Estate Team

David Brenneman

THREE OR MORE TEAM Ken Kirkeby, Bo Hauer, Joe Muth, Diane Byrd, Duane Hosek, Rearick Real Estate Team, Andrews Real Estate Team, Maria Sieck-Strobel, Darin Pryor

o more landlords. No more rent. No more restrictions on what you can or can’t do to your living space. If these sound attractive to you, it may be time to own your first home.

THE TIMING IS RIGHT

Except for home flippers and real estate developers, it really doesn’t make sense to purchase a home that you’ll only own for a few years. The high transaction costs of buy-ing and selling a property means you could lose money on the deal, unless you secure an opportunity that is too good to pass up. Falling home prices make the case against buying even stronger. This is because prices are unlikely to skyrocket within the two- or three-year period you will own the home, meaning you’re unlikely to make a great profit.

THE FINANCES ARE RIGHT

On the financial side, one comparison to make is the cost of renting vs. owning. Remember to factor in the cost of the mortgage, property taxes and home insurance when build-ing your comparison.A 2013 study by real estate organization Trulia found that it is 35 percent less expensive to buy a home than to rent one in America’s largest cities. This may not be the case in your region, so do some research and make an informed decision.

GET PRE-APPROVED

If you’re looking to buy a house, your first plan of action is to determine a budget. This will help you define how much you’re willing to spend on a new place. With this information in mind, you’re ready to make a visit to your bank to be pre-approved for a loan of that size or a little more. Obtaining a home mortgage is still relative-ly difficult today compared to the prerecession years, so you may not be qualified to borrow as much money as you think. It is a good idea both financially and emotionally to visit your mortgage specialist before you go on any home tours. The last thing you want to happen is to fall in love with a home before realizing it’s not in your price range.

Maria Broker Sieck-Strobel Associate 605-391-3565 • 605-343-2700 mariasieckstrobel@coldwellbanker.com

2700 W. Main St. Rapid City, SD 57702

Results that move you...if you are buying or selling, call me today! price reduced

4802 Tanager Ct

Under Contract

Great family home on fabulous, large corner lot! 4 bedroom 3 baths within almost 2,300 sq. ft. Open floor plan with neutral decor. Laundry is upstairs for easy access. Large master bedroom with master bath. Bright family room with a gas fireplace and walk out patio doors to the backyard. Mature landscaping adorned with pine trees. Huge back deck, fantastic for those summer barbecues. Tons of yard space! MLS# 123926 $225,000

Under Contract

7206 Peaceful Pines Rd

This property is loaded! 4 bedrooms (1 down not to code) and 2 bathrooms within 2,288 sq ft on 1.80 acres in the pines. This home has an open floor plan and has had many updates including: flooring, paint, lighting, countertops (bathrooms & kitchen), kitchen backsplash, French doors, new water pressure pump, new concrete behind house and the attached garage is completely finished. and hey guys ... wait for it ... a heated 30x40 shop with 12 ft ceilings! Don’t miss taking a look at this fabulous property! MLS# 121884 $258,000

2124 Wisconsin Ave

Large home completely remodeled!!! This home features 4 bedrooms and 3 bathrooms within 2,800 sq. ft. Updates include: Newer windows and exterior doors, interior/exterior paint, interior doors and trim, cabinets and countertops throughout, all newer light fixtures and ceiling fans, custom wooden blinds upstairs, new stainless steel appliances, new roof in 2013, BBQ, patio area, new water heater in 2013, new tile shower in master bath and upgraded electrical panel. This property has a 12x15 deck and newer landscaping with a fenced yard and 2 car garage. You need to view this property to appreciate! Don’t wait!!! MLS# 124233 $199,900

335 Alpine Dr

Adorable A-frame nestled in the pines. 3 bedroom and 2 bathrooms within 1,452 sq. ft. Separate dining and cozy living room. Loft for cozy reading or office area. Deck perfect for grilling and enjoying a summer evening in the Black Hills. MLS#120133 $184,900

Looking for a vacation home? Properties in the beautiful Black Hills. Call for more information.

The Home Journal, September 2015

Ready to Own?

REAL ESTATE | FIRST-TIME HOMEBUYERS

The Home Journal, September 2015

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aBsolute auction - “Black FoX rancH’

saturday, aug. 29, 2015 @ 11 a.M. sale to be held at slate creek Bar & Grill in Hill city, sD • 10 Acres w/Custom Built, 3,100+ Sq. Ft. Custom Built Log Lodge • 114+ Acres of Beautiful High Country Meadow & Forest • OR 124+ Acre Private Estate w/Lodge & Land

OPEN HOUSES: Aug. 15 & 22 10 AM to 2 PM For a private showing contact Bruce or Adam. 3% Buyer Broker Participation Offered What a great opportunity to literally “Live in a High Country Paradise!” The beautiful Black Fox Ranch is 124+ acres completely surrounded by National Forest Land. The 3,100+ sq. ft. custom built log lodge features massive native logs and a beautiful log interior w/a loft and full knotty pine finished basement. Also included with the lodge is a Morton building w/2 horse stalls. Estate is powered by a large solar electric system, computerized with and backed up by a 14,000 watt propane generator. (Property is Broker Owned)

The Home Journal, September 2015

Bruce r. Brock real estate llc & Brock auction co. inc. Present an

The Home Journal, September 2015

REAL ESTATE | CHOOSING A HOME

Diamonds in the Rough he benefits of a brand new home are easy to spot. But recognizing the potential of a home in need of some TLC will take a creative eye and a willingness to roll up your sleeves on some home improvement projects.

Once you’ve been pre-approved and know how much you can afford on a monthly mortgage payment, it’s time to go shopping. Depending on how handy you are, it will likely be beneficial to find a home with good “bones.” This means that there are no structural deficiencies and that all major electrical and water systems are functioning correctly. You may be able to spot these issues, or it may take the expert eye of a professional home inspector. Either way, hiring an inspector is usually a requirement of the lending organization for any home transaction.

TAKING ON REPAIRS You may find a home that has great potential but is in need of some repairs. Consult with your inspector to find out how much these will cost and how soon you should consider repairing them upon moving in. HouseMaster, a national home inspection company, recently released study results that found the typical costs of major repairs, as follows. • Roofing: $1,500 to $5,000 • Electrical systems: $20 to $1,500 • Plumbing systems: $300 to $5,000 • Central cooling: $800 to $2,500 • Central heating: $1,500 to $3,000 • Insulation: $800 to $1,500 • Structural systems: $3,000 to $1,500 • Water seepage: $600 to $5,000

MAKING AN OFFER You should take any of the above fac-

tors into consideration when making your offer. Build a budget that would cover the home improvement costs you’re thinking about undertaking. For projects that need to be handled by a professional, call around to get a few quotes. Then either subtract these numbers

from your asking price or ask for a credit from the seller to cover your costs.

SCHEDULE ISSUES Taking on a renovation project can be exciting, but also challenging if you’re pressed for time. Consider the

impact it could have on your family’s schedules. Couples with young children at home may not have the desire to live in a construction zone for months at a time while critical areas of the home — especially bedrooms, bathrooms and kitchens — are being redone.

605-484-6446

5499 Currant Court

Sheridan Lake Rd.

You can enjoy main level living in this beautiful 4 bedroom, 3 bath custom 3200 Sq. Ft. home with great curb appeal. This home is loaded with extra features including a large walk-in pantry, main floor laundry room, brick veneer front, whole house fan, and many more. It features a 10 foot living room ceiling with custom windows and access to the deck from the kitchen/dining area. The gorgeous mature landscaping is maintained with a sprinkler system and concrete curbing which allows easy maintenance. The finished walk out lower level has daylight windows for abundant natural light. The large family room could easily be adapted to add more bedrooms, with the egress windows and a large closet already in place. This extremely well maintained home is in a great location with school bus service and no thru traffic. You really need to see this one! MLS#124686 • $334,900

TBD Wagon Box Drive

This beautiful 4.20 acre lot offers panoramic breathtaking views of Bear Butte to the East, Terry Peak to the South and Spearfish Mountain to the West. If you are looking for a lot that is user friendly for building your dream home with plenty of elbow room to accommodate an outbuilding of up to 1200 Sq.Ft., this could be the one. The Hat Ranch 2 Subdivision is within the City of Belle Fourche. There are no association dues and the water system and paved roads are maintained by the city. Homeowners only need to install a pressure pump, water meter and engineered septic tank system. MLS#124504 • $69,900

Belle Fourche

5000 143rd Ave

2121 Hoeffer Avenue

Southeast

This charming “one level living” 3 bedroom, 1 bath ranch style home with a 1 car attached garage would make a great investment property. The back yard is fenced and includes a garden shed. Updates in recent years include windows, laminate floors in kitchen and dining room. hardwood floors in the living room, new roof & hardboard siding in 2010-11, sewer line replaced in 2004, new hot water heater, bathroom remodel, new steel entry garage doors in 2014, and a new refrigerator in 2015. Buy and occupy when the current renters lease ends, or continue receiving the good rental income. $129,900

This 20 acre horse property features a 2 Bedroom, 2 Bath home with new shingles, 24x64 barn with stalls, 4 horse shelters, arena, corrals and a 12 acre pasture. The entire property is level and ideally suited for all equine activities. All portable corral panels for the corrals and arena are included with this property which is very close to Rapid City for convenience and just far enough away to experience country living. MLS#121413 • $250,000

Rapid City

WWW.BHHOMESANDLAND.COM

WANTED: WESTERN SD FARM/RANCH/HORSE PROPERTY LISTINGS FOR SEVERAL BUYERS

Andra Hagen Cell: 605-390-8166

605-342-1810

Judy Rohde Cell: 605-209-1521

homeswithjudyrohde@gmail.com

kathy.lilya@sdakhomes.com

Don Lilya Cell: 605-484-1438

don.lilya@sdakhomes.com

Lisa Meyer Cell: 612-791-0541

lisablackhills@gmail.com

Kathy Lilya Cell: 605-484-1883

1211 Mt. Rushmore Road, Rapid City, SD 57701

andrahagen@gmail.com

Kevin Kuehn Cell: 605-391-7734 Daneen Jacquot Cell: 605-484-7832

daneenjacquot@yahoo.com

Janet Van Nuys Cell: 605-431-0988

janet.vannuys@rocketmail.com

Larry Petters Cell: 605-390-7383

kevin@kevinkuehn.biz

larrypetters@gmail.com

Visit our website for Western SD Listings and Open Houses — www.SouthDakotaRealEstateCompany.com

The Home Journal, September 2015

RAPID CITY /BLACK HILLS RESIDENTIAL/ACREAGES

LARRY SCHECHER

Larry.realestate@yahoo.com

1240 Jackson Boulevard, Rapid City, SD 57702 Office 341-4300 • Toll Free 1-800-341-4302

The Home Journal, September 2015

REAL ESTATE | FINANCING

Getting Financial Help

sking a friend or family member for money can be an uncomfortable situation, but it also could mean the difference between buying a home or being force to rent for a longer period of time.

The proposition can be even more complicated given the large sum of money likely involved in these types of loans. From an unofficial loan to a more legally binding private home loan, the process supporting any lending activity should be based on mutual trust. If you take a business-like approach to the loan — even though it is coming from a friend or family member — you likely will be more focused on treating your payback amount as just one of your regular bills that you pay on time every month.

PRIVATE MORTGAGES Private home loans are very similar to ones you would receive from a bank or credit union. According to the National Association of Realtors, private home loans involve: • Both lender and borrower signing a promissory note (also known as a mortgage note) stating the terms of the agreement; • The promissory note establishing the amount loaned and the interest rate, as well as the repayment dates and frequency; • Drawing up a mortgage (also called a deed of trust), which gives the lender the right to foreclose on the property if you fail to stick to the repayment plan; and • The lender holding a lien on the mortgaged property.

UNOFFICIAL LOANS Maybe you’re in need of a smaller loan to help cover the mortgage down payment. It is still recommended that you draft up a contract to spell out the terms of your loan. Both the lender and borrower can build in protections involving the

agreed-upon interest rate or payback schedule. If unforeseen incidents occur that keep you from paying your loan back on its routine schedule, you should be up front and honest with the “lender.” You might lose your job or have medical bills that pile up. Hopefully you will be able to agree upon a loan

modification policy that may include lowering payments for short amounts of time or even temporarily freezing payments until you get back on your feet. Whatever you decide, it is important to have such specifications in place before entering into any signed agreement.

The Home Journal, September 2015

REAL ESTATE | MOVING TIPS

Summer and Fall Moves

ummer and early fall are among the busiest seasons for moving. If you’re joining the relocation frenzy this year, there are certain steps you should take to make sure your move is stress free.

Maybe you’re moving to a better neighborhood or a bigger home. Staying in this positive mindset will keep you smiling as you’re packing boxes and moving furniture. Remember that every move is different, so build your own blueprint to make sure you’ve got all of your bases covered.

DIY OR HIRE A PRO? This is the first question you should ask yourself. Will you move yourself with the help of friends and family members, or will you enlist the help of a professional moving company? Factors to consider here include your budget, the amount of household items you’ll be moving and the time you have to move. If you choose to move yourself, be sure to reward helpers with lunch or dinner as a gesture of appreciation. Moving is likely not at the top of anyone’s list of favorite ways to spend a Saturday, but your gratefulness will make it worthwhile. Professional movers usually can move all of your belongings within a few hours. This is beneficial if you’re under a tight deadline to move or if you’re unable to secure a truck. Be sure to opt for any insurance protection the moving company offers. It may only cost a few more dollars and can give you peace of mind that your items will arrive at your new home safely.

STRATEGIC PACKING Even if you choose to hire a professional moving company, the burden of packing your belongings still falls on you. Start today. Even if your move isn’t for a couple of months, start devoting a few hours per week to boxing up possessions that you don’t normally use. Take the process one closet at a time and store the moving boxes out of your way. Also consider giving away boxes of items to friends, family members or charity organizations. One box will lead to another, and soon you’ll have your home packed and ready to move.

5345 CurrAnT CT

d n e

P e L

OVerSIZed GArAGe! $214,900

MLS#123759

4 BR/3 BA home located minutes from Ellsworth AFB. Well cared for home with open floor plan. Oversized garage with extra parking pad. Master bathroom. Big laundry room with plenty of storage. Huge, fully fenced backyard with dog run. Box Elder.

Call Marci, 786-4323.

1123 KAnSAS CITY ST.

Priced at $384,500

Charming Home in Excellent Condition located in the desirable Countryside South Subdivision The ULTIMATE indoor/outdoor transition space with massive wrap around covered deck--perfect for entertaining! Four Bedroom/Three and 1/2 Bath, Oversized Three Car Garage, Dedicated Office, Mudroom, Breakfast Bar, Formal Dining, Sprinkler System, Underground fence, Fire Pit, 23x18 Paver Patio, 22x40 Concrete pad for extra parking and so much more. Fantastic home with plenty of space for everyone!

Conrad & Company Team

huGe PrICe reduCTIOn $500,000

MLS#123596

Fantastic City Center/Downtown location with ample off street, paved parking. Complete renovation with HVAC and electrical remodel with fire alarm/sprinkler system completed in 2011. Over 7,000 sq. ft. Property is zoned MDR.

Call danelle, 390-7608 or Marci, 786-4323.

Marci Wieseler

Danelle Conrad

605-786-4323 marci.wieseler@gmail.com

605.390.7608

Sylvia Conrad

605.348.7600 conrads@rushmore.com

Open House Aug. 23rd 1:00 pm - 4:00 pm

$239,900

MLS#123759

One of the best lots in Summerset - fenced, .40 acres with covered deck for entertaining. 4 bedroom, 3 bath, 2 car garage. This home has an efficient kitchen with center island, vaulted living room and trayed dining room ceilings. Also, features a large concrete pad for extra parking - boat, RV, etc. All these extras add to the comfort and enjoyment of this home.

Call Sylvia, 348-7600.

We focus on your future.

(605) 348-7600 E-mail: conrads@rushmore.com Specializing In 1031 Exchange & Buyer Representation

311 Omaha St. Rapid City, SD

Apply online at www.bankwest-sd.com. Loans subject to approval.

Darla Jones 605-399-4211

Janene Trammell-Polk 605-399-4220

The Home Journal, September 2015

G n I

7140 MuLBerrY dr.

336 Freude Ln

The Home Journal, September 2015

REAL ESTATE | HOME IMPROVEMENTS

Projects to Avoid

unctionality has overtaken luxury as the hottest selling point in today’s real estate market. Budgets are tighter, and home buyers are deciding on smaller mortgage payments over more space or premium locations.

This means homeowners planning on remodels should more than ever be considering the value those improvements will be able to recoup. If you’re planning to remodel, concentrate on smaller projects that make sense with buyer budgets. Small upgrades that add functional use and energy efficiency are becoming appealing, as such changes can have an overall impact on utility bills, such as electric and water. You may choose personal comfort over resale value when considering certain projects, which include in-ground swimming pools and fancy sunrooms. Your quality of life is most important, so if you’re looking to get a few good years out of one of these remodels, go for it. Just don’t expect to recoup the majority of your construction costs in the end.

IN-GROUND SWIMMING POOLS With costs starting in the tens of thousands of dollars, in-ground swimming pools are not a small investment. The bad news is they also aren’t likely to be worth the equity you put in when it comes time to sell your home. However, this depends on where you live. Homes in warm climates can expect up to a 50 percent return on investment, according to the annual Cost vs. Value Report published by the real estate media firm Hanley Wood. Other homeowners across the country, however, can expected a decrease in home value due to the significant operating and maintenance

costs pools require.

SUNROOMS The sunroom is an expensive project that only recoups $486 for every $1,000 spent on construction, according to Hanley Wood. Buyers also report that due to glass’ inability to provide adequate insula-

tion, energy costs are a major issue in the purchase decision. Again, where you live in the country and how much enjoyment you’ll personally receive from a sunroom may end up being your deciding factors.

GARAGE ADDITIONS The Cost vs. Value Report finds that

homeowners who build a garage see a 62 percent return on their investment. An expensive price tag is a major factor. A carport or shed may provide you the same storage functionality without the major expense, especially if you only need it for general protection from the elements or a place to keep your lawn equipment.

REAL ESTATE | REMODELING

ile, wood, laminate or carpet? The flooring choice can be a tough one. Each flooring type has its pros and cons, including style, durability and longevity.

One option rings true for many homeowners looking for versatility and longevity, among other distinguishing characteristics. Ceramic and porcelain tile in particular are known for their long life cycles. Most options can actually last a lifetime, if cared for properly. This means proper installation in line with manufacturer specifications and careful cleaning with non-abrasive products.

REGIONAL AVAILABILITY Anyone who has chosen flooring knows that process can take an extended period of time. You may find something you like only the find that it will take weeks or even months to arrive from the manufacturer. Tile manufacturers and distributors are located conveniently across the country, helping you receive you products quickly whether you live in a big city or in rural America. This accessibility allows you convenience and also has a positive impact on the environment. Less travel time between the source to your floor means fewer air emissions required for delivery. And a smaller carbon footprint is what many people strive for in their home improvement choices.

ÂŠ FOTOLIA

LOW MAINTENANCE Tile is also known for its easy maintenance. Routine vacuuming and dusting is all it will take to keep your floor tidy, especially if you treat it with a chemical-free glaze.

This helps it resist stains from spills or pet accidents, protecting your investment from day-to-day hazards.

HEALTH BENEFITS Do you have allergies? Youâ&#x20AC;&#x2122;re not alone. According to the American Academy of

Allergy Asthma and Immunology, more than half of the population of the United States suffers from some form of allergies. Many of the most common allergens are found in the home. Tile is one of the best choices for allergy symptom prevention because it makes

it easy to see dust and prevent it from accumulating. When using any tile, make sure the grout that is used to affix the tiles together remains in good condition to prevent moisture from seeping into the sub-floor, where mold, a common household allergen, can flourish.

The Home Journal, September 2015

What Can Tile Do for You?

The Home Journal, September 2015

REAL ESTATE | THE PAPERWORK

Title Insurance losing costs are comprised of a number of smaller fees, but what do they all mean? If you’re new to buying or selling a home, you may be asking yourself this question while scratching your head.

One of these expenses is title insurance. In most home purchases, buyers don’t have an option on whether or not to take this policy, as it is a near absolute associated with transferring the home’s title to your name.

WHAT IS TITLE INSURANCE? Until you officially buy a home, the sellers have full and legal title — or so you hope. This is where title insurance comes into play. The title company for your transaction will verify the title’s rightful ownership by checking out the records at the appropriate location, usually a local courthouse. On rare occasions, these records may not be 100 percent accurate. Changes to land ownership or title transfers may have been done within the family or erroneously reported in past transactions. A simple mistake by the closing company could result in an issue with the title that, if left uncorrected, could fail to protect you as the true owner of your new home.

TYPES One form of title insurance is designed to protect your

bank or mortgage lender. This coverage is required and typically provides lender protection up to the original mortgage rate. An owners coverage protects you, the buyer. If there is

a claim or discrepancy with the title, the insurer will defend your rights. This means the insurance company would be liable for any required payments or settlements.

OTHER FEATURES Some policies come equipped with a rider that allows your title coverage value to rise as the value of your home goes up.

Loans in Iowa are exempt from title insurance, according to the National Association of Realtors, because a guarantee program means title errors are be covered by the state.

The Home Journal, September 2015

REAL ESTATE | SAFETY

Know Before You Show

n the wake of industry-shattering news of an Arkansas real estate agent being kidnapped and murdered after a showing in late 2014, there is a new focus on agent and public safety during the buying and selling process.

Nothing is more important that maintaining the safety and well-being of all involved in realty — even the potential of a big sale. Realtors are trained to go after the lead, plain and simple. If they don’t show the home to a potential buyer, an agent within a competing agency surely will. This drive to make the deal is what makes Realtors open to showing properties anytime, anywhere. Unfortunately, people with bad intents know this information and may use it to their advantage to commit crimes.

THE REALTOR SAFETY PLEDGE

The Realtor Safety Pledge is open to agents, brokers and members of the public. It was created by broker-owners of the 90-agent Century 21 Signature Real Estate firm in central Iowa. It outlines the following safety tips: • Under no circumstances show a home to a stranger without first meeting them at the office or asking them to submit identification. • Educate my clients that open houses are a safety concern both for the homeowner and myself.

• Limit open houses as a marketing strategy and/or make prudent and safe decisions about my open house marketing efforts. • Follow my intuition, and not step into situations that I feel uneasy about. • Use the buddy system whenever I am unsure or

uneasy about a showing or meeting. • Make myself available to my fellow agents as a “showing buddy” should they ever feel the need to take someone along or feel unsafe. • Seriously consider the nature of my personal marketing and its potential

impact on my safety.

OTHER SAFETY GUIDELINES If you are a seller, it is important to let your Realtor show your home. They are more likely to understand the

dangers of selling a home to a stranger. The occurrence of crimes such as the one in Arkansas generally puts brokers, owners and agents on high alert, and can also lead to intensive trainings. Let your agent go through protocols and policies to ensure a safe process.

Call for the Southern Hills’ best selection of property!

Ron Bradeen Owner/Broker

Jeff Storm Broker Assoc.

Don Kistler Broker Assoc.

Carol Wood Broker Assoc.

OFFiCe HOuRS M-F 8:00 - 5:00 SAT. 9:00 - 1:00 evenings & Sun. by Appt.

See all of our listings at www.realestatecenters.com/Custer

Anne Fuchs ABR, SFR Broker Assoc.

Janice Tuthill Broker Assoc.

Mark Wiley Broker Assoc.

YeAR ROunD BuSineSS

STellAR VieW

ReASOnABle PRiCe

Turn the lights on--answer the phone established and successful turn key business! Black Hills Ponderosa Place is a two story Lodge and 6 log cabins. Amenities: fireplace, wood flooring, modern appliances, tasteful lodge décor/furnishings, unique lighting, endless list! Six cabins are all pristine and completely furnished in log cabin décor. Secluded Commons area for gatherings/BBQ. Off street parking area. Convenient to trails, parks, and city services. This opportunity can only get better!!! MLS# 48873 $525,000.

Stellar View, Forest Service, over half acre and Privacy!! Custom 4 bdr., 3 bath home has maple flooring/cabinetry, Chile radial pine trim, vaulted ceilings, gas fireplace, Bali window coverings, six seat theater area with surround sound, and heated/plumbed garage. New in 2014 metal roof, all trim aluminum wrapped, soffits & gutters and landscaping. 12x52 Cedar deck with panoramic view. A hidden gem for a home! MLS# 48890 $395,000.

LOOK CLOSE and you won’t believe the QUALITY! 4 bdr/3.5 ba, approx 4000 SF situated on 1.47 acres. Private setting, FEATURES: Culinary kitchen, vault. tongue/groove ceilings, custom cabinetry, detailed Fireplace, rec rm with log accent, Customized bar & media rm. maint. free siding, & decking, 12x16 deck, 23’ bridge to Spa/hot tub, man-made 8’ waterfall, a reflecting pond. Beautiful landscaping!! MLS# 47917 $425,000.

Price reduced! True Black Hills Setting--Log Home-- over 7 Acres--USFS Access---horse shelter/corral, fenced and crossed fenced!! Three bdr., 2 bth home , Vaulted ceilings, Open floor plan, stainless steel appliances with island. Loft joined by Master suite with a free standing gas fireplace unfinished basement. Nice green house with cement floor& drip irrigation system. Perennial flower beds. Make this your forever home! MLS# 47429 $270,000.

7.59 ACReS

inCOMe PROPeRTY

DROP in PRiCe

HORSe RiDeR PARADiSe

MAJOR PRICE REDUCTION--$40,000. Red Canyon cliff and canyons fit for a Cinema setting!! 7.59 acres, National forest, secluded setting, ranch style 2 bedroom 2 bath home, guest log cabin for the hunters, corrals, barn, misc. out buildings, fenced garden area. Almost like living off the grid and getting a new lease on life. Take back control in this Old west setting! MLS# 45975 $259,000.

$194,000—INVESTORS this is a PERFECT income property as a Duplex or Family Home. This 2512 sq. ft. home currently is receiving $1500 plus as rental! Lower level has 1bd., office, laundry, 2 stall garage, brick patio, pergola, garden area. Main level has 3bd., laundry, mudroom, kitchen, living/dining room with hardwood flooring, plenty of storage and large deck area. Many upgrades and off street parking. MLS# 43242 $194,000.

$104,750 for GREAT Location and Approx 3000 sq. feet of retail space or can covert to home, Highway 16 frontage-This highly visible location, is a great investment opportunity. Large show room floor with large upstairs. Features: Slate rock wall, tongue/groove vaulted ceiling, wood stove, carpeting thru-out building on both levels. Seller will consider a Contract for Deed. Priced to SELL! $104,750 MLS 42995.

Huge Price Reduction!! Attention Rock Hounds! Valuable collection of rare fossils, minerals, crystals, agates, gems, antiques,marbles, and more, all set up in a 9687 Sq. Ft. building on 3 lots in downtown Hot Springs. Add to your collection or open the door and start selling! MLS# 48074 $197,500 Horse Riders Paradise! 18.51 acres with 1635 sq. ft. 3 bdrm, 3 bth country home. 36 X 60 barn all set up for your horses. 7 Dutch doors, 3 stalls, 2 large pens, automatic waterer, 2 outside hydrants. Low maintenance. Perimeter and cross fenced. Gate to bordering USFS land. MLS# 47683 $567,500.

Huge PRiCe ReDuCTiOn

BRing YOuR HORSeS

Huge Price Reduction! 10326 Turkey Trail Road. Conveniently located between Newcastle WY and Custer SD. Great buy on this 1876 Sq. ft. home nestled on 18.24 acres. Spacious 30 X 40 metal building for all your toys! Nice balance of open meadow and scattered Ponderosa Pine. MLS# 41842 $149,000

Deluxe horse property. You’ll love the attention to details in this beautiful 2960 sq. ft. 3 bdrm, 3 bth, custom built home on 13.09 acres, borders USFS land on 2 sides. Huge barn, Bunk House, Green House, RV pad with water and electric service, Fire Pit, Perimeter and cross fenced. Very low maintenance. MLS# 47236 $670,000.

OVeR 9 ACReS

Bring your horses! 25545 Newell Road. Over 9 Acres, no covenants and borders USFS land! 2007 Manufactured home with open and sunny floor plan. Permanent foundation. Lots of windows to enjoy the beautiful views. MLS# 43870 $149,000 Very well kept 3 bdrm, 2 bath MH on 7+acres. Very spacious inside and most of the appliances stay. Home sits on a permanent foundation and has 2 – 2000 gallon cisterns. This is priced to sell @ $139,000. MLS#47266.

PRiCe ReDuCeD

eASY ACCeSS

Looking for a cabin in the Black Hills? You need to check this one out 3+ acres with easy access to a paved road, good well. This one bedroom one bath features a 32x32 squared log cabin with a 12x22 frame addition could be yours. Some finish work remains. Also has a metal carport, and the roof is metal. MLS 44953 $158,000.

The Home Journal, September 2015

605-673-2629

14 WeST MT. RuSHMORe RD. CuSTeR, S.D.

The Home Journal, September 2015

bhfcu.com

BHFCU MORTGAGE LENDING EXPERTS

Clayton Schwahn

Amber Zandstra

Norman Weddle

Christy Cline

Kim Brown

CALL US AT 343.0891