June issue Calaveras Home

Free Publication

Calaveras Home And Real Estate Guide Issue 2 June 2015

Murphys Realty See more information about this fabulous home on page 2.

Realty World-Murphys Realty 209.728.3404

www.CalaverasHome.com

MURPHYS REALTY

SERVING ALL CALAVERAS COUNTY

‘Professionalism through Performance’ 230 Big Trees Rd. at Hwy 4 Murphys, CA 95247 BRE#01919158

Murphys Realty

Residential . Ranch . Commercial .

Land . Property Management .

Business Opportunities .

(800) 800-3408 . (209) 728-3404 email: sales@realtyworld-murphys.com

Murphys’ Longest Established Real Estate Office

MURPHYS: Hilltop estate with distant sweeping views in all directions. 5700 sq. ft. home plus guest house on approx 60 acres. 5 bed, 4 bath main home and 1 bed, 1 bath guest house. Swimming pool, spa and garaged parking for approximately 10+ cars. $1,299,500 MLS141329 RANDYNORRIE

MOUNTAIN RANCH: Country Estate on nearly 7 park-like acres. Custom 2 bed, 2.5 bath home and 2500sf mfg 3 bed, 2.5 bath home.

Separate shop/garage w/2 bed apt. above. $599,000 MLS150462 HANA-SUE DRILLING

MURPHYS: Great Location! Charming 2 bed, 1 ½ bath home nestled in the trees, Garage is oversized, seasonal creek, large .80 acre lot, circular driveway. $359,000, MLS151106 LORENA NEWSOM

MURPHYS: Elegant 2 bed, 2 bath home, in Cottage Circle. Gourmet kitchen, granite counter tops, stainless steel appliances. Low maintenance yard.

Close to all that Murphys has to offer. $345,000 MLS150466, IVAN MAUCH

MURPHYS: Private home w/stunning views on 5.6 acres, 3 bed, 2.5 bath. Minutes to school and downtown. Living room has gas log stove. Vaulted pine ceiling. $339,000 MLS150460 HANA-SUE DRILLING

HATHAWAY PINES: Charming 3 bed, 1 bath cabin in the pines, New deck in 2011. Large loft upstairs. Nice lot with views through the trees. $210,000 MLS142049, LORENA NEWSOM

ANGELS CAMP: Craftsman Tuscan style, 3 bed, 3.5 bath home in Greenhorn Creek. Gourmet kitchen, granite counters and cherry floors. Den/ office has gas fireplace. Outdoor patio with built-in BBQ. $545,000 MLS150578 CAROLYN HENKEL

MURPHYS: Custom Joe Senn built home, 5 acres. Spacious rooms, vaulted ceilings and large bonus room downstairs. 2 bdrms plus den, 2 bath. Private setting minutes from downtown Murphys. Old orchard with mature trees. $395,000 MLS150536 RANDY NORRIE

SONORA: 2 bed, 1 bath cabin nestled in the woods. Open beamed knotty pine ceiling. Loft area contains second bedroom and extra storage.

Wet bar. Wood burning stove. Seasonal creek.

Usable property. $103,500 MLS150719 DAVID CUCCIA

MURPHYS: 4 bed, 3 bath home in Forest Meadows.

Approx. 2,785 sq ft. Large kitchen with island, granite counters, stainless steel appliances, maple cabinets and oak floors. Excellent condition. $340,000 MLS 141705 CAROLYN HENKEL

MURPHYS. Hilltop privacy. Minutes to downtown. 2 bed, 2 bath plus unfinished master suite. Nice kitchen, dining room, living room with wood stove. Workshop.

Fenced garden area. Close to schools. $289,500 MLS150881 HANA-SUE DRILLING

MURPHYS: Custom 3 bed, 2 bath home on almost an acre. Open floor plan with vaulted ceilings and large windows. Close to downtown.

Front porch and back deck. $349,000 MLS 151054 HANA-SUE DRILLING

VISIT US ONLINE AT

WWW.REALTYWORLD-MURPHYS.COM

• • •

SERVING ALL of CALAVERAS and TUOLUMNE COUNTY

Waterfront Residential Commercial

• • •

Ag/Ranch Vacation Home Property Management

(209) 785-1500 CalBRE 01183865

#1 CENTURY 21 Company in Northern California with 32 Office Locations

Fabulous Private Colonial Style Home in desirable La Contenta Golf Course.

3 bed/2 bath newer re-model, with gorgeous cherry wood floors, designer kitchen, newer cabinetry, stainless appliances, 6 burner gas stove, black granite counters & tile roof. Stunning master suite upstairs, walk-in closet & private deck overlooking the beautifully landscaped backyard & Custom Pool. $450,000 MLS 151171

Exceptional deep water lakeside home. Prime location with privacy & lakeviews from nearly every room. Ideal sun exposure. Large balcony & lower covered patio. Completely remodeled with impressive architectural design, decor & attention to detail. 5 Bd, 5 Ba, 4 being suites, one has its own private entrance & lakeside balcony. Gourmet Kitchen with 3 ovens. Main level has great room & beautiful master suite.

Extra deep single car garage & carport, Elec. gated circle style drive. Plenty of parking. $1,739,000 MLS 151201

This immaculate home includes vineyard and is on a quiet, cul-de-sac. All new granite counter tops in kitchen and bathrooms, custom paint & new tile and carpeting throughout. Living room has a gas burning stove, vaulted ceilings, sliders to back patio. Includes a barn which is half temp controlled to store wine, wine making equipment is negotiable. Fully fenced back yard, with 30X40 Metal hanger. Landscaping, and covered back porch includes, misters and custom sun shades. Tandem 3 car garage.

Leased Solar $359,900 MLS 151005

Search homes throughout Northern California at www.c21mm

Calaveras Home And Real Estate Guide

Index of advertisers • Vol 2 • June 2015

Realtors Murphys Realty............2 Century 21 M&M...........3 Bambi Land...................8 Teri Rogers.................10 Leanne Smith...............11 Premier Properties....12

For advertising Information Contact...

Rick Rider

Home Improvement Calaveras Lumber.............3 Pinnells Carpet One.........9 CP Financial.....................9 Murphys Vac Rentals......9

209.256.0209 rider.cc@gmail.com PO Box 902 Angels Camp, CA

Neither the advertisers nor publisher are responsible for any errors in the ad copy or data in this publication

www.calaverashome.com

Simplifying Home Loans Edited by Rick Rider in an Interview with Doug Brown When a prospective homeowner approaches the lender and they begin the process of filling out the mortgage loan application, it’s a very good idea to know what types of mortgages are available, and the advantages and disadvantages for each of them.

The following are some basic types of loans available Construction Loans~ There are two main types of home and are common in our area. They are not the construction loans: only loans available, just the more common, and seemingly sensible. Let’s see if we can simplify them... One Time Close.

Conventional~ A “conventional” (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation. Conventional mortgages often feature lower interest rates than jumbo loans.

Monthly payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for borrowers who plan to stay in their home for several years. The alternative to the fixed-rate mortgage is the adjustable-rate mortgage (ARM), which features lower monthly payments during the first few years. While many prefer the security of a fixed-rate loan, an ARM may be a better option - especially if you know you’ll be moving within the next several years.

With these loans, the lender advances the money to pay for construction. After the home is built, the same lender rolls the loan balance into a standard mortgage. This is by far the more popular option.

FHA~ An FHA loan, which might be considered the original first-time homebuyers program, began in 1934.

An FHA loan provides mortgage insurance on loans that are created by approved lenders throughout the United States and the territories owned by the United States.

Whether for multifamily, single family or manufactured homes, the FHA aids in the issuance of mortgages and is the world’s largest insurer or mortgages and has a number of different programs.

Because this type of loan doesn’t allow you to lock a maximum mortgage rate in advance, you risk a rise in interest rates.

Another disadvantage is that your circumstances could change during construction, making it impossible to qualify for a permanent loan. And you pay for two closings -once, on the construction loan, and later, on the mortgage.

Two Times Close.

With these loans, it’s often the lender that advances money to build the house. When construction is finished, you get a mortgage to pay off the construction debt. With a construction to-permanent loan, during construction, you pay only interest on the outstanding loan balance. It converts into a mortgage after the home is built.

Reverse Mortgages~ For homeowners 62 and above, a reverse mortgage enables them to convert a portion of the equity in their homes into tax-free income without selling the home, taking a new monthly mortgage payment, or giving up their title. The reverse mortgage is named such because the stream of payments is “reversed.” Instead of making monthly payments to the lender, the lender makes the payment to the homeowner.

More discussion is required on reverse mortgages, as I feel the program has many misperceptions, and I will discuss them further in coming editions.

VA~ The VA Loan is a mortgage loan issued by approved lenders like CP Financial Services, locally, and guaranteed by the federal government. Since its inception, the VA Loan program has helped place more than 20 million veterans and their families into an affordable home financing situation through its distinct advantages and benefits over traditional mortgages. VA loans require no down payment or private mortgage insurance. They feature competitive rates and terms and allow qualified borrowers to Which loan is best for you? That’s a good question. purchase a home with little to no money out of pocket.

Here is my advice, after having been caught up in the USDA Loans~ In 1991 the U.S. Department of Agriculture mortgage crisis of last decade, and enduring the last great (USDA) started offering rural development loans to encourage recession like a lot of us probably did. Find yourself a homebuyers to live in rural and suburban areas. The USDA professional mortgage loan officer and sit down with him did this to promote growth and boost the local economies of or her. Answer their questions honestly and sincerely, these areas by making land and property more affordable. and let them tell you which loans are best and why. Then For borrowers that meet USDA loan requirements, they ask them the tough questions that may be on your mind. offer many benefits paired with relatively lenient approval requirements. Government backed and insured they offer: I am fairly confident that once you do this, the loan process will go smooth as silk. And please don’t pick up the phone and ask for a loan from a company you know little about, • NO money down because if you do, you may not know what you are getting.

• Low interest rates Please don’t ask me how I know this...

• 30 year fixed rates • Government guaranteed • You have the ability to roll in your closing costs into the loan Doug Brown has been a mortgage loan officer and mortgage banker in Calaveras County since • Flexible credit guidelines 1975.

He may be reached at 209.795.2340.

Calaveras County Places of Interest

Camanche Reservoir

Pardee Reservoir

Wallace

Camanche Reservoir

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Govenment Center/DMV 209.754.6025 M O U N TAI N

Mark Twain Hospital 209.754.3521

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Ironstone Vineyards 209.728.1251 PR SHE E A

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Angels Food Market 209.736.4243

Salt Spring Valley Reservior

Calaveras Lumber 209.736.4601

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Greenhorn AREA Creek Resort B 209.729.8111

Saddle Creek Resort 209.785.7415

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Angels Camp 4

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New Melones Lake 209.785.3300 O 'B Y RN E S FER R Y RD

Tulloch Reservior

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Douglas Flat

Sierra Hills Market 209.728.340

Vallecito

Natural Bridges Carson Hill

Copper Town Square 866.276.4235

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To Bear Valley Resort 209.753.2301

Camp Connell Dorrington

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SHERIFF'S RESPONSE AREAS 2011

Summertime in Calaveras County. That means lots of outdoor activities Legend for many of us; and I’m thinking about concerts at the wineries, hiking at Big Trees and further up the mountain...and swimming in Murphys AREA A HIGHWAYS 4 most Park Creek. Well, ok my daughter does of the swimming...

B a welcome summertime The Farmers Markets are AREA always MAIN ROADS event, usually on Fridays and weekends.

The veggies are fabulous.

AREA C local fruits and LAKES/RESERVOIRS I am also pretty sure we will be spending more time this summer at AREA D MAIN RIVERS Natural Bridges outside of Vallecito. It is a great place to hike down to and picnic, for sure. Big Trees Park is always a favorite of ours and I can imagine more than a few outings there...such a spectacular place!

Map Design and Cartography

By Calaveras County GIS Up the hill further is another favorite summertime spot at White Pines San Andreas, California July, 2012 Lake. Then on up to Alpine Lake and Bear Valley...thinking we will spend more time up there this5 year. I hope you and yours have a safe and 20 0 2.5 10 15 adventurous summer...I know we will. Publisher

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Bambi Land Properties These 20 acre parcels are in the Bar XX Ranches Subdivision, located on HWY 4 about 6 miles west of Angels Camp Al Segalla, Realtor (209) 785-1491 Lic. # 00700645 alsegalla@mindspring.com

Awesome View!

2284 Stallion Way, Angels Camp.

Mountain Top with 3 bedrooms and 2 bath Home. Property is located on West slope of Bear Mountain near summit, with a view across California to the coast range. Room for garage.

3 miles of gravel road with tax assessment for road maintenance. From HWY 4 take Stallion Way 3 miles to property on right. Front corners have pink ribbon. Sign at gate. $319,000

Choice Land Lot 104, 1396 Appaloosa Way. Paved road, power and phone, spring and seasonal stream.

Awesome meadow. Possible vineyard. 1.9 miles from Hwy 4 on right. $212,800 cash

w w w .ba mbila nd .c om

Doug Brown Manager

NMLS #261324

Serving Calaveras County Since 1975 Purchase and Refinance Loans Conventional • FHA • VA • USDA • Programs Sonora 209.533.4680

Calaveras County 209.795.2340 800.696.2340

Sierra Pacific Mortgage dba CP Financial Services. Company NMLS 1788. Licensed in California by the Department of Business Oversight under the Residential Mortgage Lending Act #417-0015

YOUR MOUNTAIN HOME SPECIALIST ARNOLD • BIG TREES • MURPHYS

Big Trees Cabin ~ 210,000 3 Bed /2 Bath / Backs to greenbelt. 3 year new roof, siding and decks. Free snow plow service - forever.

Big Trees Village ~ 289,900 2 Bed/ Loft/ 2 Car Garage/ level access & terrain.

The Place with the sunny disposition & remodeled with excellence.

Shangri La ~ 450,000 3 Bed / 2 Bath / Loft / 2 Car Garage / Gourmet Kitchen Custom Mountain home with all the high-end luxury you can ask for. Gourmet kitchen, incredible living room, outstanding workmanship - very private.

Virtual Tours

MOUNTAINRESORTREALTY.NET

Big Trees Chalet ~ 247,500 2 Bed / 2 Bath / Loft / level access & level terrain.

Classic Chalet in favored area of of Big Trees Village.

Dorrington Cabin ~395,000 3 Bed / 1.5 Bath / Bonus Room / 4+ Car Garage / Pet Friendly. This is the place with the beautiful kitchen and natural hard-scaped yard.

Teri Rogers, formerly Teri Slankard, is ready to handle all your real estate needs!

Teri Rogers

Owner/Broker

209.795.6492 MountainResortRealty.net CABRE#01315131

Professional Real Estate Services Listing and Selling Mountain Homes

Leanne Smith Allison James Estates And Homes 90 Big Trees Road Murphys, CA 95247 209.728.9131 209.743.8433 CABRE # 01182942

Custom Home in Murphys 4 bedrooms and two baths, lovely gourmet kitchen, Fantastic outdoor living space including a swimming pool. All on just under an acre of land. Offered at $499,900 1505 Hanging Tree, Serenity awaits you at this wonderful Murphys retreat!

Upgraded home with a separate guest cottage,amazing wine cellar and stunning views! Offered at $549,000

Own a piece of historic Murphys History! almost a full acre of land right on main street with an adorable rock building. Currently used for wine tasting. So much potential to do more!

Offered at $799,000

Mountain home in Dorrington! Surround yourself with natural beauty! Close to skiing, fishing and more.relax on your large back deck, welcoming open floor plan too! Offered at $205,900

Completely upgraded cutie in Murphys!

Close to downtown fun & dining you will love the gourmet kitchen!

Offered at $269,000

www.leannesmith.com

Bargain in Murphys! Great location nestled in the oaks, just a mile to downtownbring your hammer it needs some finishing.

Offered at $219,900