THE REAL ESTATE BOOK - ATHENS, GA 39.9 by Ryan Litts

Athens, Ga & Surrounding Counties

HOME & LIFESTYLE GUIDE Volume 39, Issue 9

ne of the most exceptional homes you will ever see! SEE PAGE 4

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401 To Advertise Contact Susan Alvarado 770-364-7491

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Cindy Karp (706) 461-7253 Cindy Karp Realty (706) 549-3200

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LIFE IS LIFE IS IS ALWAYS ALWAYS ALWAYS MOVING MOVING MOVING

“A home home is is one people willwill ever buy.” “A one of of the themost mostimportant importantassets assetsthat thatmost most people ever buy.” Warren Buffett, Chairman | Berkshire Hathaway Inc. “A home is oneWarren of theBuffett, most important assets that most people will ever buy.” Chairman | Berkshire Hathaway Inc. Warren Buffett, Chairman | Berkshire Hathaway Inc.

Contact Us Experts Contact Us to to Meet MeetOne OneofofOur OurLocal LocalReal RealEstate Estate Experts Contact Us to Meet One of Our Local Real Estate Experts

ATHENS OFFICE

ATHENS OFFICE 524 Hill Street, Athens, GA 30606 524 Hill Street, Athens, GA 30606 ATHENS OFFICE 706-613-6040 706-613-6040 524 Hill Street, Athens, GA 30606 REAL ESTATE REDEFINED706-613-6040 | 770-992-4100 | BHHSGEORGIA.COM

An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. REAL ESTATE REDEFINED | 770-992-4100 | BHHSGEORGIA.COM Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. REAL | 770-992-4100 | BHHSGEORGIA.COM Berkshire ESTATE Hathaway HomeServicesREDEFINED and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

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CONNECT WITH US LOVELY HOME WHICH FEATURES ALL NEW ENERGY SAVING WINDOWS. Spacious renovated kitchen and Family Room with cozy fireplace. Outside grilling deck & veggie garden area. Text R885528 to 52187 Call Heather McElroy 706-206-5282

COMFORTABLE ELEGANCE MEETS ENTERTAINERʼS DELIGHT. Lovely, custom-built home with space for everyone and privacy on over 3 acres. Amazing Ownerʼs suite on main floor. Text R880722 to 52187 Call Heather McElroy 706-206-5282

DIANE ADAMS

CHAD CLARK

Regional Vice President

706-255-9200

706-248-7481

JERRY CRAIG

JAN BAKER

706-202-0335

RHETTA HOWARD

706-224-8886

706-206-5282

AC T!

YASMINE PAYNE

MELANIE VENESS

706-338-6930

706-540-6845

706-621-1849

CO N

MABLE MITCHELL

DIANNE WRIGHT 706-540-3270

,0 0 75 $1

706-202-4692

CHARMING HOME IN CRESTMONT FARMS! 3BD/2BA, spacious Kitchen with cabinets galoreand split bedroom plan. New roof and gutters just installed! Ready for new owners! Text R901242 to 52187 Call Brenda 706-714-4509.

MULTIPLE LOTS FOR BUILD OUT IN MADISON COUNTY. See yourself owning your own home, sitting on the porch drinking a cool drink and just enjoying yourself. What a picture! Text R858759 to 52187 Call Yasmine 706-540-6845

678-425-8308

HEATHER MCELROY

770-294-1014

NANCY MARTIN

PAULINE JUUL

VERONICA IMERY

LUIS IMERY

PRIME FIVE POINTS REAL ESTATE ready for your renovation or dream home! Text R720310 to 52187 Call Heather McElroy 706-206-5282

FABULOUS PROPERTY CLOSE TO UGA VET SCHOOL. 2 bedrooms 2 full baths and is just like new. 706-540-0937 Lovely kitchen, a dining area and a beautiful living room. Text R893597 to 52187 Call Yasmine 706-540-6845

For nearly 40 years, it has been my honor to help clients and customers achieve the dream of homeownership in our community. It has also been rewarding to support the success of many sales associates whether affiliated with my firm or while cooperating in a transaction. Now, theHOME enhanced value, marketing resources, and the full HOME array ofINservices that Berkshire Hathaway EXQUISITE OCONEE COUNTY. 4BD/3.5BA with ABSOLUTELY ADORABLE ON A GORGEOUS LOT IN OCONEE HomeServices Properties we continue to on redefine your1.96 reallot estate unfinished basement a spacious in Oaklake. COUNTY! 3BD/1BA, beautiful hardwood floors, Georgia updated Kitchen, huge backadds, ensures Has 2 ownerʼs suites with walk in closets. deck. Enormous storage building could be a workshop! TexttoR901240 experiences for years come.to 52187 - Brenda S. Blanton Call Melanie 706-621-1849

Call Brenda 706-714-4509.

ATHENS OFFICE 524 Hill Street, Athens, GA 30606 706-613-6040

R E A L E S TAT E R E D E F I N E D BERKSHIRE HATHAWAY HOMESERVICES GEORGIA PROPERTIES | 770-992-4100 | BHHSGEORGIA.COM An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

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COVER HOME

ONE OF THE MOST EXCEPTIONAL HOMES YOU WILL EVER SEE AND PRICED WAY BELOW APPRAISAL. This exceptional Oconee County brick custom home on 2.94 acres features a beautiful private hilltop lot with Porte Cochere, 3 car garage and space for ample parking. The impressive entrance features a curved staircase that opens to a large dining room with adjacent Butler's pantry and two story family room near a vaulted music room/ living room. The expansive kitchen will delight and is perfect for family gatherings: showcasing a high end appliance package, Subzero refrigerator, double ovens, Viking range with griddle, ice maker; also granite countertops with travertine backsplash. Lots of storage and entertaining spaces.

Cindy Karp

Extensive covered porches with magnificent views of the cascading waterfall, pond and mature plantings. Custom features found throughout this 6-7 bedroom, 6 +bath home with three fireplaces. Master on main with custom cabinetry, with two access to two decks and luxury Master Bath that includes 8 showerheads and jetted tub. Palatial closet with private washer/ dryer. Office with exquisite cabinetry. Two Millennial/ In Law suites. Four total laundry areas. Terrace level with 2687 sq ft. features a spa zone with indoor resistance swimming pool/ hot tub, relaxation areas, craft and storage rooms and substantial entertainment spaces both inside and outside with fire pit and patio areas. One year home warranty included. $799,900 Text R650935 to 52187

(706) 461-7253 Cindy@CindyKarp.com

Broker, GRI, ABR, WCR Life Member of the Million Dollar Club Circle of Distinction Women's Council of REALTORS Athens Network 2017 Member of the Year

Office: (706) 549-3200 www.CindyKarp.com

VISIT OUR WEBSITE FOR LAND, COMMERCIAL PROPERTIES & CONDOS

www.CindyKarp.com

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WHERE THE #1 IS YOU! More than 10 years of experience in private real estate and 200+ closed transactions since 2013.

706-424-5741

660 Meigs St, Athens, GA 30601

D L O

Aldo Zevallos Cell: 706-296-5222 aldoval@hotmail.com • www.aldosells.com

ER UND ACT TR CON

HABLO ESPAÑOL

QUAILWOOD DR. ATHENS. 3 Bedrooms, 2 Bathrooms New Roof, New A/C, New Floors, New Paint, New Deck, Granite Counter top, New Ceiling Fans, ETC. $144,900.

CAVALIER RD ATHENS. New Roof, New Floors, 5 Bedrooms, 3 Bathrooms, New Kitchen Cabinets, Granite counter tops. New paint, New Garage Door, ETC. $209,900.

GREAT/BIG HOUSE. 5BR/3BA. Possible 6 BR on the Floridian room on 2nd floor. Brazilian Cherry Wood floor. Granite Counters on kitchen and bathrooms. Tile shower in master and many more features. Fenced backyard with nice brick retention wall. .75 acres. Sprinkler System. Owner/Agent $249,900

MAPLE FORGE DR. 3 Bedroom 2 Bathroom. New A/C, New Floor, New Paint, New Garage Door, ETC. $164,900.

CHATHAM DR ATHENS. 3 Bedrooms 2 Bathrooms. Spacious living room, open floor plan. Big back yard almost all fenced. MOTIVATED SELLER. $129,900. MLS#961987

READY TO MOVE-IN WITH A LIVING, family room and nice kitchen island. . 2 year old A/C system, new range and 1 year old dishwasher and microwave. Nice fenced back yard & huge front yard. MOTIVATED SELLER! Bring me an offe

ER UND ACT TR CON

PENSANDO EN VENDER? PENSANDO EN COMPRAR? LLAMAME ANTES QUE SEA TARDE! THINKING OF SELLING? LOOKING TO BUY A HOME? HOME ARE SELLING QUICKLY, CALL ME!

RHETT BUTLER 706-354-0444 www.rhettbutler.biz

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Bridging the GAP in Real Estate 660 Meigs St, Athens, GA 30601

706-424-5741

706-510-5189 SALES:

RENTALS:

ALL BRICK 3BR/3BA RANCH HOME ON 20 ACRES IN OGLETHORPE COUNTY. The kitchen features tons of cabinets, lots of counter space & has been upgraded with stainless steel appliances and tile back splash. $400K Call Brad 706714-3580 Text R755304 to 52187

CUSTOM BUILT HEARTHSTONE LOG HOME, 4 BD/3 BA on over 9 acres. 25 minutes to Athens! $425K Call Bob 706-215-6848 Text R696303 to 52187

NEW CONSTRUCTION IN WINDER. 4BR/3BA plus office/study, full unfinished basement, 2 car garage $379,000. Call Brad (706) 714-3580Text R643434 to 52187

4BR/2BA, BONUS ROOM, OVERSIZED GARAGE, large lot. $178k. Call Brad 706-714-3580 Text R741463 to 52187

OCONEE COUNTY SCHOOLS! Up to $5000 Closing Cost! NO HOA! 1.4 Acre Lot! Call Jerrod 229-412-5303 Text R854189 to 52187

CHARMING ONE-LEVEL, 4-side brick home in highly desired area off Timothy Road. Huge, daylight basement has lots of possibilities. Call Elizabeth 706-540-5767 Text R856996 to 52187

Rich 706-255-0316

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GreaterAthensProperties.com GreaterAthensProperties@Gmail.com

660 Meigs St, Athens, GA 30601

706-424-5741

706-510-5189 SALES:

RENTALS:

MUST SEE OCONEE HOME ON 13 ACRES. Pond, Pasture, Blueberry field, and guest cottage! For a virtual tour, text 54819 to 25678 or call Laura 706-765-7999 MLS:962139 Text R787525 to 52187

CALL LAURA FLANDERS 706-765-7999

NORTH OCONEE BEAUTY! $282,500 4BR/2.5BA. Hardwood floors, kitchen w/ granite & sunroom. Ownerʼs suite on the main floor. Call Laura 706-765-7999 or text code 54817 to 25678

Following bread crumbs to find your new home not working?

RE HIGH RIDGE SUBDIVISION! 4BD/2.5BA, all brick,Living Rm, Family Rm (fireplace w/ gas logs), Dining Rm & Eat-In Kit, Large Master w/2 closets, Front & Back Staircase. Pro landscaped yard & new irrigation system. $364,900 Call Jennifer 706-202-9886 Text R718899 to 52187

CALL LAURA FLANDERS 706-765-7999

GENTLY SLOPING WOODED ACREAGE WITH WONDERFUL OLD HARDWOODS ON SWEET LITTLE CREEK ON ONE BORDER. EASILY SUBDIVIDABLE INTO 3 OR 4 NICE SIZED PARCELS. $435,000 CALL ROSE SELLERS 706-255-0472 rsellersrealty@gmail.com

5 ACRE HORSE PROPERTY in Buena Vista…Middle Ga! 3Br/2Ba Brick/2-car garage /1800sf/new metal roof/2-stall barn cross-fencing $178,000 Call Cat@706-540-2593

CAT SCARBOROUGH 706-540-2593

I can help you get there! Call Rose Sellers 706-255-0472 or send me an email: rsellersrealty@gmail.com

NEW CONSTRUCTION! Jackson Co! Several Designs all under $200K...Call Bob 706-215-6848 Today!

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¿Necesita Ayuda Para Comprar o Vender Su Casa?

¡Llame Hoy Consulta Gratis! 770.875.6907 A NOTE FROM THE PUBLISHER HELLO

Proudly Serving Communities in the Following Counties: Clarke, Oconee, Barrow, Walton, Madison, Jackson, Oglethorpe, Morgan, Greene, Elbert, Hart, Franklin, Banks and Stephens.

We Inspect:

• Condominiums • Single family homes • Historic residences • Manufactured homes • Estates • Townhomes

We specialize in Radon & Mold testing. Ask about our 3 home inspection packages!

Chad Bridwell Franchise Owner

Call today to experience the Pillar To Post® difference

706-850-3315

pillartopost.com/bridwellinspector Each office is independently owned and operated

LOCALLY OWNED & OPERATED

We just celebrated our 5th year anniversary as the local publishers of The Real Estate Book of Athens and Surrounding Counties. We are proud that our magazine has been helping buyers and sellers connect for over 39 years. Behind the scenes, we are a small team making a lot happen! Every 4 weeks, our family delivers THOUSANDS of copies to HUNDREDS of local businesses in a matter of a few short days so we can help you Find a Place Called Home. We are small business owners and the majority of our distribution spots that allow us to display our books are local small businesses. Our advertisers are local and most call Athens home. To our local advertisers and distribution spot businesses - THANK YOU for being professionals we are proud to showcase & work with. We appreciate you! To our readers - THANK YOU for picking up this book and the next time you call one of the professionals in this book, please let them know you found them through us. We hope we are able to help you find Your Place Called Home.

Cheers,

Susan Alvarado

770-364-7491 athenstreb@gmail.com

NEXT AD DEADLINE Friday, August 10th

Member Athens Area Association of REALTORS®

Member Women's Council of REALTORS®, Athens Network

Open to all Home & Lifestyle related businesses!

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65 1951 ore R t x Te for m 187 tion 2 5 o t ma infor

Charles J. Williams BROKER 770-231-5687 cell cjwrealty@gmail.com

Tonya Williams

REALTORÂŽ 678-988-5687 cell BulldawgRealty@gmail.com

New Home Communities Banks County

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President

BarrowCountyBuilders.org

GET GREENER PLUMBING, TODAY You may be greening up your cleaning products or your eating habits, but have you stopped to consider your plumbing? Read the following green plumbing tips, and reach out to your local, trusted plumber to help implement them.

INSULATE WATER PIPES. Heating water for homes can account for as much as 30 percent of residential energy consumption. By insulating the pipes and using high-grade pipe insulation, it can lower the energy expenditure needed to heat your water. Your plumber can install insulation on your pipes and save you money in the process. INSTALL WATER SAVING FEATURES. In older homes, plumbing features such as faucets, showerheads and toilets are as historic as the homes themselves. By replacing these dated units with modern, energy-efficient counterparts, you can reduce leaks, conserve water and reduce your energy bill. • Newer and more efficient toilets can cut down the amount of water used by as much as 80 percent. A low-flow toilet only uses 1.28 gallons of water per flush, whereas a full-flow toilet uses 3.5 gallons per flush. A dual-flush toilet uses only 1.6 gallons for solid waste and only 0.8 gallons for liquid waste. A

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newer toilet can translate to a potential savings of 10,000 gallons of water each year. Newer toilets essentially pay for themselves, so get your plumber to install one today. • Install a tankless water heater, which uses much less energy than a standard water heater. Instead of wasting energy keeping a huge reservoir of hot water at all times, a tankless water heater heats the water only as it is needed. • Replacing a traditional showerhead with a low-ﬂow showerhead will reduce the traditional water usage by around 50-70 percent. The homeowner can also get their plumber to install an even greener shower product, the steam shower. While traditional showers use 25 gallons of water per shower, a steam shower uses around 1 gallon of water per shower.

INSPECT YOUR HOME PLUMBING FOR LEAKS. Detecting leaks can be a difﬁcult task, and in some cases, small leaks can be unnoticeable to an untrained homeowner. Hire a professional to help you hunt down hard to spot leaks. Contact your plumber today, and together you can implement these tips to save money and the environment. Your plumber might also have additional green plumbing solutions they can bring to your home.

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TOP 9 REVERSE

MORTGAGE MYTHS SEPARATING FACT FROM FICTION Recent headlines pointing to the detriments of reverse mortgages aren’t getting the story straight. A leading reverse mortgage lender, Generation Mortgage Company, wants to separate fact from fiction. “Because so many Americans over the age of 62 are facing significant financial stress due to dropping retirement and savings account balances, as well as higher healthcare costs, many groups are targeting seniors under the guise of helping them,” said Scott Peters, CEO and President of Generation Mortgage. “HECM reverse mortgages are Federal Housing Administration-insured products and are heavily scrutinized by regulators and legislators looking to protect seniors’ best interests. As a result, more than 600,000 American seniors have obtained reverse mortgages that have enriched their lives by allowing them to stay in their homes and pay off their bills.”

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THE MOST COMMON REVERSE MORTGAGE MYTHS INCLUDE: Myth: If I take out a reverse mortgage the lender will own my home. Fact: False. Homeowners still retain title and ownership to their homes during the life of the loan, and can choose to sell the home at any time. As long as the house is maintained and property taxes and homeowners insurance are paid, the loan cannot be called due. Myth: My children will be responsible for the repayment of the loan. Fact: False. Reverse mortgages are non-recourse loans. That means, if the property is sold to pay-off the loan when the homeowner passes away or decides to leave the home for other reasons, there will be no mortgage debt for the family and heirs to repay. The maximum amount owed is the current market value of the house. If the homeowner’s heirs want to keep the home, they would pay the balance in-full to the reverse mortgage lender. Myth: I can’t get a reverse mortgage if I have an existing mortgage. Fact: False. With enough equity, you may be able to pay off your existing mortgage or other debt with the reverse mortgage. The reverse mortgage must be in a first lien position, so any existing mortgage must be paid off. Seniors who take out reverse mortgages are free to do anything they want with their reverse mortgage proceeds. Paying off an existing mortgage is the number one reason most seniors take out a reverse mortgage. Myth: Only low-income seniors get reverse mortgages. Fact: False. Although some seniors may have a greater need than others for the monthly proceeds or lump sum funds reverse mortgages offer, most simply prefer to be free of monthly mortgage payments. Without monthly mortgage payments, many homeowners find they can maintain their existing quality of life and build their savings to help with future expenses. A growing number of people who have no immediate need are taking out these loans so that they have a financial cushion for future expenses.

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Myth: If I outlive my life expectancy, the lender will evict me. Fact: False. Reverse mortgage lenders put no time limit on how long seniors can stay in their homes. Since homeowners still own the property, lenders cannot evict them, provided they follow the program guidelines. Myth: There are no objective advisors available to seniors trying to decide if a reverse mortgage suits their needs. Fact: False. Borrowers are required to work with independent, third party counselors approved by the U.S. Department of Housing and Urban Development (HUD) in their local communities. This educational session helps them make the right decision for their unique situations. Myth: There are restrictions on how reverse mortgage proceeds may be used. Fact: False. There are no restrictions. The cash proceeds from the reverse mortgage can be used for virtually any purpose and borrowers should be cautious of lenders attempting to cross sell other products. Many seniors have used reverse mortgages to pay off debt, help their kids, make ends meet or to have a financial reserve. Myth: Reverse mortgage lenders take advantage of seniors. Fact: False. Seniors who have been victims of reverse mortgage lending schemes are extreme exceptions and typically victims of unsavory lenders. As a consumer, you should only work with lenders who are Better Business Bureau and National Reverse Mortgage Lenders Association (NRMLA) members and adhere to those organizations’ strict Code of Ethics and Standards for Trust. Myth: I’ve heard I won’t qualify for a reverse mortgage because of my limited income. Fact: Unlike a traditional mortgage where mortgage payments must be made each month, a reverse mortgage pays you. Because of this, many seniors who do not qualify for traditional financing are eligible for a reverse mortgage.

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STUDY REVEALS BEST TECHNIQUE FOR PRICING A HOME The best technique for pricing a home when listing it for sale is setting the asking price just below a round number, according to recent research published by the Journal of Housing Research. These findings will help real estate professionals and anyone else selling their home develop more informed listing and marketing strategies to better suit sellers’ needs. The results of this study take a lot of guess work out of the marketing of homes for real estate professionals. The study looked at 1,000 buyers in Virginia considering a pool of more than 370,000 listings. The researchers were able to determine the impact of “rounded pricing” listing strategies versus “just below pricing” listing strategies. “Our study suggests that by using the just below pricing strategy sellers can price their home slightly higher without driving away potential buyers,” says Eli Beracha, Ph.D., of Florida International University, who conducted the study with Michael J. Seiler, Ph.D., of The College of William & Mary. “As a result, they end up selling their house for more.” How does dropping your asking price ever so slightly impact the final outcome? “On average, buyers are more attracted to a house priced at $199,000 than to a house priced at $200,000 and it appears that ‘just

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below’ pricing works out favorably for sellers in terms of their bottom line,” Beracha explains. “Based on our research, the ‘just below’ pricing strategy yields a selling price that is, on average, roughly 2.5 to 3 percent higher, $5,000 to $6,000 on a $200,000 house, compared with a rounded pricing listing strategy.” While residential real estate agents may disagree on the appropriate pricing strategy to use when listing residential real estate for sale, the researchers found that homebuyers more often prefer homes priced using a “just below” pricing strategy. This preference allows sellers to list their home for a higher initial listing price. On the other hand, due to the demand effect, rounded priced homes typically have shorter time on the market and a lower discount relative to listing price. Their findings suggest that sellers’ ability to set higher listing prices for properties using a “just below” pricing strategy outweighs the lower discount and shorter time on the market associated with similar rounded priced strategy homes. “We tested the age-old debate concerning the best technique to price a home when listing it for sale,” Seiler says. “We find that using a price just below a round number works best, particularly in connection to the left-most digit in the price. So, $199,000 works better than $200,000.”

5/22/18 3:43 PM

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Listing Specialist – Call for free market analysis!

I list and sell Oconee!!

(706) 543-4000

2405 W Broad St #150 Athens, GA 30606

Denise Beck REALTOR, Associate Broker, GRI graduate

(706) 614-1625 denise.beck@coldwellbanker.com You can trust Denise with your greatest assets…your family and your home! • Local Resident of • Oconee County Resident & Watkinsville/Athens area involved in the Community. for over 38 years! • Specializing in sales of homes, farm land and • Raised her family in the area and knows first hand new construction in the about the schools, lifestyle Watkinsville, Athens and surrounding areas. and programs available.

NEWER CONSTRUCTION OCONEE FARMHOUSE with 62 acres on Rose Creek. Text R772872 to 52187

D L O

GREAT LOCATION, FENCED BACKYARD, freshly painted, move in ready. Watkinsville. Text R710024 to 52187

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Cindy Karp

(706) 461-7253 Cindy@CindyKarp.com

Broker, GRI, ABR, WCR Life Member of the Million Dollar Club Circle of Distinction Women's Council of REALTORS Athens Network 2017 Member of the Year

Office: (706) 549-3200 www.CindyKarp.com

Karen Foster (706) 338-6886

Jay Braver (706) 510-6174

Get Details Instantly! Text Property Code to 52187

Karen@CindyKarp.com

Jay@JayBraver.com

EXCEPTIONAL BRICK HOME ON 2.94 ACRES WITH 6-7 BD, 6+ BA AND 3 FP. Terrace level with spa zone and so much more! $799,900 Text R650935 to 52187

A DIAMOND IN THE ROUGH! BUILDERâ&#x20AC;&#x2122;S HOME IN MILFORD HILLS PRICED FOR MINOR REPAIRS. Private, lots of brick, wood floors, cedar shake roof, 3-level deck, large kitchen, two HVACs and more. $189,900 Call Jay Text R750452 to 52187

INVESTOR PACKAGE AVAILABLE WITH MULTIPLE UNITS! Studio suites; convenient to UGA. $84,900 Text R665884 to 52187

15 BUILDING LOTS FOR SALE $25,000 EACH

Arlene Williams (214) 534-5547 Arlene@CindyKarp.com

6 BD 4.5 BA with finished bsmt and inlaw suite in premier Westside neighborhood. Large screen porch and private views. $578,900 Text R901262 to 52187

OUTDOOR PARADISE ON 50.5 ACRES with pasture, hardwoods & pines. Bordered by the Broad River and Big Cloud Creek that converge at the property corner. Perfect equestrian or cattle farm. Adjacent to Watson Mill Bridge Park. Text R733744 to 52187

COMMERCIAL SPACES FOR LEASE OR SALE

TOWN SHOPPING CENTER IN COMER 8 storefronts, 3 offices $949,900 Call Jay 706-510-6174 Text R551776 to 52187

66.27 ACRES OFF ATLANTA HWY WITH RIVER FRONTAGE 65/ ACRE

www.CindyKarp.com

50.5 ACRES ON BROAD RIVER $375,000

VISIT OUR WEBSITE FOR LAND, COMMERCIAL PROPERTIES & CONDOS

Certified Mortgage Planner NMLS ID-35139 GRMA ID- 33444 Georgia Residential Mortgage Licensee #23892 and NMLS# 156311

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As encour encouraging aging ne news ws of the he rreviving eviving housing mar market ket gains momentum, many many homeowner homeownerss wil ling their t home. If youâ&#x20AC;&#x2122;re youâ&#x20AC;&#x2122;re like most sellers, seller ers, a home is y our single lar gest willl again consider sel selling home. your largest ČŠPCPEKCN CUUGV CPF VJG EQO OOKUUKQP RCKF VQ C TTGCN GCN GUVCVG RT QHGUUKQPCN KU UWDUVCPVKCN 6 JGTGHHQT Q G EQOOKUUKQP RTQHGUUKQPCN 6JGTGHQTG [ QW UJQWNF JC XG JKIJ GZRGE EVCVKQPU QH CP CIGPV CPF HWNN[ HWNN[ WPFGTUVCPF WPF FGTUVCPF VJG UVTCVGIKGU UVTCVGIKGU CPF VQQNU [QW JCXG GZRGEVCVKQPU VJG [ WUG VQ OCTMGV OCTMGV [QWT [QWT JQOG JQO OG 6Q 6Q DG UWTG UWTG [QWT [QWT JQOG KU UQNF SWKEMN[ SWKEMN[ CPF HQT HQ QT VJG DGUV RTKEG RTKEG CUM VJG[ CP CIGPV VJGUG SWGUVKQPU DG GHHQ QTG NKUVKPI [ QWT JQOG YKVJ VJGO O DGHQTG [QWT VJGO How Ho w will will you you market market my my home e to local buyers? buyers? Real estate rremains emains hyper local. In n 2016, the National Association of REAL LTORSÂŽ rreported eported ed that home buyers REALTORS from previous only moved about 14 miles fr om their eir pr evious rresidence. esidence.

What W hat types of media wil willl y you ou use to ad advertise vertise m my y home?

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How Ho w will will you you market market my my home e to out of market buyers? mark et buy ers?

How Ho w are y you ou u going to realistical realistically ly my price m y home? me?

While many potential buyers will be local, depending on your home and surr ounding area, area, out-of-market surrounding buyers could also pr ove to be a valuable uable audience. While prove ensuring i that your home is listed on one off the many MLS services online is a gr eat start,, it doesnâ&#x20AC;&#x2122; great doesnâ&#x20AC;&#x2122;tt constitute an aggr essive marketing program program for or your home. aggressive

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T o get the best rresults, esults, successful ful agents must use To outbound, dir ect marketing and other her avenues to rreach each direct buyers in other ar eas. areas. How Ho w will will you you market market my my home e to other local top agents? agents? Holding open houses is always a good investment. Both agents and local home shoppers pers can actually see the unique character of your home e versus just looking at online photos. It engages otherr local agents, which can also bring you a buyer mor e quickly. quickly. Additionally more Additionally,, WY VMLZZPVUHS X\HSP[` WYPU[LK TH[LYPHSZ TH[L LYPHSZ SPRL Ă&#x2026;`LYZ HUK WYVMLZZPVUHS postcar ds keep your home in front front nt of them long after postcards they walk out the door r. door.

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If an agent overprices erprices your home, it may ultimately sell for less than itt would have if priced corr ectly fr om the correctly from ILNPUUPUN 0[ JV\SK J JYLH[L JVUĂ&#x2026;PJ[ ^P[O [OL IHURÂťZ IHURÂťZ HSZV JYLH[L appraisal when n the buyer tries to secur e a mortgage. secure Ask to see a comparison of list price, sold price, and number of days ys on market for your agentâ&#x20AC;&#x2122;s agentâ&#x20AC;&#x2122;s ten most rrecent ecent transactions. ctions. Homes that sit on the market too long and go g through through multiple price rreductions eductions are are typically overpriced. riced. Calculate the commission ommission you pay to get your home sold and we think you ou will agr agree ee that you have the right to expect a very aggr essive ve campaign. The best agents in your town aggressive will meet or exceed xceed the expectations that weâ&#x20AC;&#x2122;ve laid out here her e and you deserve eserve to work with only the best.

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www.Aviantemtg.com Shop with Confidence, Get Pre-Approved 1st

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Conventional • FHA • VA • Rural Development 1351 Jennings Mill Rd, Suite A • Watkinsville, GA 30677 • Near Lowe’s & Hwy 316

Estimated Mortgage Payment Chart Amount

4.25

4.50

4.75

5.00

5.25

$150,000

738

760

783

806

829

$120,000 $180,000 $210,000 $240,000 $275,000 $310,000 $350,000 $400,000 $450,000

591 886

1033 1181 1353 1525 1722 1968 2214

608 912

1064 1216 1394 1571 1773 2027 2280

626 939

1096 1252 1435 1617 1826 2087 2347

644 967

1127 1288 1476 1664 1879 2147 2416

663 994

1160 1325 1518 1712 1933 2209 2485

THIS CHART IS FOR PRINCIPAL AND INTEREST ONLY

COMPLIMENTS OF AVIANTE MORTGAGE SERVICES

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Ways It Pays to work with a REALTOR®

If youʼre looking to Buy or Sell this year, do you want to add these to your “To Do” list? Save time, money, and Peace of mind by working with a Professonal from the beginning. RESEARCH MORTGAGE LENDERS.

Determine how much you can afford.

PUT EXISTING HOUSE ON MARKET.

FIND NEW HOME WITH ALL Get signed THE FEATURES YOU DESIRE. HIRE SURVEYOR TO contract to Schedule showings SURVEY PROPERTY. Seller. Price your existing home for your current without current market Review homeowner’s association house & also to expertise. documents for new home. see new ones. Hire attorney or title company Arrange home & to complete closing research. CHECK

Host Open Houses to sell existing home. Negotiate terms of sale or purchase, including repairs & concessions.

pest inspections on new home.

Research School Districts. ORDER TITLE SEARCH.

draft contract.

CONDUCT FINAL

Decide where to advertise your house to reach the best potential buyers (& pay for it).

CONSIDER OFFERS ON CURRENT HOME.

CREDIT

Analyze comparable home sales & make offer REPORT. on new home. Find attorney to

REVIEW & APPROVE WALK-THROUGHS CLOSING COSTS. OF HOME.

Secure homeowner’s insurance. Meet home & pest inspectors for review of current home.

Review & approve all contracts. Obtain title insurance.

COORDINATE CLOSING WITH LENDER, TITLE COMPANY & BUYER OF YOUR HOUSE.

Research neighbrohoods REVIEW & SIGN & local amenities. CLOSING DOCUMENTS.

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Contact One of Our Featured REALTORSÂŽ for All of Your Real Estate Needs

Laura Leiden Keller Williams Greater Athens 706-540-4181 laura@lauraleiden.com

Denise Beck Coldwell Banker Upchurch Realty 706-614-1625 denise.beck@coldwellbanker.com

Cindy Karp Cindy Karp Realty 706-461-7253 cindy@cindykarp.com

Regina Clonts Keller Williams Greater Athens 706-714-8929 regina@reginaclonts.com

Carole Queen Virtual Properties Realty Queen's Choice Group 678-858-3745 queenschoicerealestate.com

Heather Fletcher Keller Williams Greater Athens 706-296-6365 hmfletcher@kw.com

Lynn Harder Coldwell Banker Upchurch Realty 706-224-4525 lmharder@bellsouth.net

Nedra McKinley Greater Athens Properties 706-207-2082 nedrasellsrealestate@yahoo.com

Marie Armour ERA Sunrise 706-340-2450 mariearmour@ymail.com

Rhetta Howard Berkshire Hathaway HomeServices Georgia Properties 706-540-0937 rhetta.howard@bhhsgeorgia.com

Leah Leggett Greater Athens Properties 706-510-7155 LHLeggett@Gmail.com

Dean Christian Greater Athens Properties 706-614-7028 deanchristianrealestate@gmail.com

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(706) 543-4000

MASTER ON MAIN

MOVE IN READY TWO-STORY HOME, just two stops signs from beautiful downtown Monroe.This home has new interior and exterior paint, and new seamless gutters. Home sits on 1.36 acres, NO HOA. Justin Hughes (678) 707-1216. Text R869017 to 52187

UPGRADED W/ACREAGE

RENOVATED RANCH w/large rooms,tile baths, and beautiful kitchen with coffee station plus a 25 x 55 wkshop on 2+ acres. Gorgeous upgraded living space of over 3000sqft w/multiple fp’s $274,900 call Kim Shupe 706-207-0823. Text R879236 to 52187

CRAFTSMAN HOME W/BASEMENT

CUL-DE-SAC LOT W/AMAZING VIEW! Home is very nice and updated with all the features today’s home buyer is seeking! Call Lisa Langford for more information 706-340-2242. Text R880723 to 52187

GREAT HOME IN CITY LIMITS

1742 SQFT HOME w/ 4 Br, 1 Ba, dining room, gas fireplace in Living room, New Roof, Insulation & more on .87 lot with pasture & barn. 2 car carport, fenced. Owner/agent. Call Vivian 706-224-7838 for your showing. Owner/Agent Text R833681 to 52187

UNDER $200K IN WEST ATHENS!

NEWLY LISTED IN HOLLY HILLS! This 3BR/2BA home features over 1,600 sq. ft. on an unfinished basement on a breathtaking 1 acre lot in West Athens. Excellent renovation potential. Contact Eric Vaughn at 706.207.9438. Text R880729 to 52187

RARE FIND ON TIMOTHY ROAD GORGEOUS 3 BEDROOM 2 AND A HALF BATH RANCH, LR, separate DR, mudroom, screen porch on almost an acre lot. Call for an appointment todayStella Collins 678.815.9915. Text R843058 to 52187

HISTORIC HOME W/POOL !!

RENOVATED: Originally built in 1886, this home features gorgeous hardwood floors, fireplaces in most rooms with intricate hand-made mantles, plus so much more!! 4br-5br/4ba w/Pool! Call Kim Shupe 706-2070823. shupeteam.com. Text R874547 to 52187

NEW ROOF, NEW CARPET AND PAINT

CONVENIENT LOCATION ON THE EAST SIDE. Great home for entertaining! Updated kitchen, hardwood floors, new roof just put on! Private backyard with swimming pool! Call Bonnie 706-614-7360 for more information! Text R753362 to 52187

SOUTHERN LIVING IN FIVE POINTS

THIS 5BR/2.5BA SOUTHERN LIVING HOME IN THE GLENWOOD AREA OF FIVE POINTS is ready for loving new owners. Features nearly 2,500 sq. ft. of living space, master on main, garage and basement! Contact Eric Vaughn at 706.207.9438 Text R743268 to 52187

FIVE POINTS SURPRISE!

NESTLED IN THE HEART OF FIVE POINTS, 4000square-foot home with lots of potential. Don’t miss your opportunity to see this diamond in the rough! Call Geoff Wilson 706-206-3560. Text R768336 to 52187

LOST PARADISE FOUND

BRICK RANCH W/1.69 ACRES OF PRIVACY. 2978 sqft on main Finished basement - 821 sqft for mother in law. Crowning jewel is sun porch for watching nature abound in the private wooded area behind the property. Linda 404-405-3729. Text R848202 to 52187

LAKE FRONTAGE

5BR/5.5BA, Grand Foyer, DR, & library. Open eat-inkitchen/den wing, screened porch/sunroom. Master on main, Terrace level is a 2BR/2BA apt. Lake front $715,000. Call Mike Geyer 706-202-1660. Text R798084 to 52187

POOL, LAKE, HOME ON 5 ACRES

PARADISE! TRULY MOVE-IN READY...with practically new roof, windows, deck, paint inside & out, totally remodeled kitchen & master bath upgrade. A delightful rocking chair front porch. So much more! Call Bonnie 706-614-7360. Text R875590 to 52187

HOT ON SUNSET!

THIS ADORABLE NORMALTOWN COTTAGE has been recently refreshed and expanded and now includes a full master-suite w/walk-in closet. Hardwood floors, updated kitchen, 3BR/2BA. Large corner lot. Contact Eric Vaughn at 706.207.9438. Text R813037 to 52187

SWIM/TENNIS

$285,000 CRAFTSMAN 5 BEDROOM & 4 BATH. Master Suite and 3 BRS and 2 BA on main Cul de sac lot & Fenced back yard. Call Lynn Harder 706-224-4525. Text R893978 to 52187

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The Best Service in Real Estate in Athens and Oconee

60 Years and Counting

CLASS & COMFORT IN GLENWOOD

AN OPEN FLOOR PLAN & SPACE MAKE THIS HOME SPECIAL! Stunning features: updated kitchen, keeping room w/vaults, great room, family room, & lg. master. 5 BR, 3 BA, Sc. Porch, & fenced yard add the WOW $875,000. Mot 706-202-3901. Text R901247 to 52187

3 BEDROOM 2 BATH TOWNHOME

A GATED COMMUNITY 3 BEDROOM 2 BATH w/ garage, bedroom on main, granite countertops, 2000 sq ft. Close to Athens, Atlanta and surrounding communities. A MUST SEE!! Nathan 706-540-0550. Text R887452 to 52187

OCONEE MODERN FARMHOUSE

AMAZING HOME & WAY OF LIFE. Creek, upscale living & barn apartment private and gated in Oconee. Denise Beck 706-614-1625. Text R772872 to 52187

STUNNING FARM HOME

6 BED 5 BATH 25 ACRES FENCED, cross fenced stately farm. Call Jim Hodges 843991-2044. Text R762727 to 52187

INCOME PRODUCING FARM

7/21/18

35 FENCED ACRES IN NICOLSON, GEORGIA. pasture land and wooded acreage. pond 2 chicken houses, (38’x400’) No zoning restrictions. pole barn. single room cabin/ deer stands. Please contact Nathan Sonke 706-540-0550. Text R685530 to 52187

OCONEE SCHOOLS

THIS MEDITERRANEAN ESTATE 5 BEDROOMS, 5.5 BATHROOMS, approx. 1.52 acres & flowing creek. You will marvel over the master suite, gourmet chef’s kitchen with center island, butler’s pantry, Wine Cellar,Terrace & private views. Barbie 678-618-4323. Text R341145 to 52187

CRYSTAL HILLS LUXURY

CRYSTAL CLEAR GEM! Nestled on 3 private acres, this 5BR/5B custom brick beauty boasts a timeless floor plan with fabulous indoor and outdoor living spaces in a can’t be beat location! Jane:706-296-0994 or Angela:706-255-3943. Text R892732 to 52187

CONVENIENT TO DOWNTOWN LIVING!

ONLY 5 MINUTES FROM DOWNTOWN ATHENS! Convenient to the Classic Center, Trail Creek Park & North Oconee River Greenway. Situated on a quiet street, features a nice size back & side yard. Will require remodeling. Sureeta 706-540-0683 Text R885531 to 52187

3 ACRES FOR HOME

LEVEL AND WAITING FOR YOUR BUILT OR MOBILE HOME. Mixed woods and clearing. Group plat available. $16,245. Call Ina Miller 706-3724034 or 706-380-9464. Text R571727 to 52187

CRYSTAL HILLS

BEAUTY AT ITS BEST! Gorgeous and timeless in one of Oconee’s finest developments! Plenty of main level living plus so much flex space upstairs. Fabulous lot, too! Call Jane 706-296-0994 or Angela 706-255-3943. Text R892732 to 52187

NORMALTOWN HOME W/BASEMENT 3/2 WITH FAMILY ROOM, 2 FP, screened porch, covered porch,garage,remodled kitchen 495,000 Call Frank 706 340 1121. Text R858758 to 52187

LOCATION, CONDITION, & PRICE

SPLIT RANCH SITS ON OVER AN ACRE IN THE HEART OF WEST ATHENS. Recently reduced to $275,000! 3 bedrooms, 2 baths, bonus room with half bath, three car garage. New carpet and paint. Deanna 706-2557266 or Lee 706-255-4115. Text R553336 to 52187

BUILD YOUR DREAM HOME!

BEAUTIFUL TRACT OF LAND IN NORTH OCONEE! Easy access to Downtown Watkinsville, Athens & Atlanta. Level lot faces a quiet street but the back features an absolutely stunning view of green pastures & a small pond. Sureeta 706-540-0683. Text R776593 to 52187

HIGH RIDGE RETREAT

ALL BRICK CUL DE SAC HOME IN CONVENIENT WEST SIDE. Circular drive, screened porch, updated kitchen with double ovens, granite and gas cooktop. Beautifully landscaped. 4 beds/2.5baths. $362,500. Carol S Williams 706-254-3716. Text R856992 to 52187

RIVERFRONT HOME IN OCONEE!

6.9 ACRES OF PRIVATE, wooded paradise in Bishop on the Apalachee River. 5 bed/4.5bath and 6278 sq feet! Finished Basement, HW floors, covered porch and huge patio with hottub. Motivated seller, call/text Diane 706-540-5238. Text R824737 to 52187

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2405 BROAD STEET SUITE 150 ATHENS, GA 30606 706-543-4000

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Why did we make the switch to • Fast closing times PFB Mortgage? With the purchase • Local underwriting market being so competitive, we • Full portfolio of loan needed a company that could programs including but not streamline the mortgage process. limited to Conventional, FHA, After researching all the local lenders, VA, USDA, One time close we found that PFB Mortgage had all construction loans, Doctor the items we were looking for in a Loans, Rehab loans, HELOC’s, GA Dream Program. mortgage lender.

Let us help you take the stress out of buying a home Matthew A Jones Mortgage Loan Officer 706-540-6331 Cell 404-393-6524 Fax mjones@bankpfb.com NMLS#878570

Billy Sullivan Mortgage Loan Officer 706-254-4631 Cell 404-393-6524 Fax bsullivan@bankPFB.com NMLS#500174

1353 Jennings Mill Rd, Suite C • Watkinsville, GA 30677 PFB mortgage NMLS #500174 • Member FDIC

www.bankPFB.com

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Mable Mitchell

Yasmine Payne

706-338-6930

706-540-6845

REALTOR®

mable.mitchell@bhhsgeorgia.com GRI, e-Pro, ABR

yasmine.payne@bhhsgeorgia.com

www.MableMitchell.com

Circle of Acheivement CertiÀed in Short Sells & Foreclosures

www.YasminePayne.com

524 Hill Street s Athens s (706) 613-6040 (office) TO VIEW MORE I NFO ON YOUR SMART PHONE USE TEXT CODES ON EACH LISTING UNDER CONTRACT!

D L O

BEAUTIFUL HOME ON ALMOST 4 ACRES! One level, 4 sided brick, three car carport & nice storage building. Living room with fireplace and kitchen with another fireplace and pine paneling. $124,900 Mable 706-338-6930 Text R745980 to 52187

REDUCED TO $40,000

2.75 ACRES FOR BUILD OUT IN SOUTH MADISON, Zoned Residual and ready to show anytime $19,800 Call Yasmine 706540-6845 Text R858759 to 52187

UNDER CONTRACT!

GREAT LOCATION, new roof, new HVAC, large fenced backyard, great storage building & nice deck. 3 bedrooms, 2 full bathrooms and finished bonus room in the lower level. $134,900 Mable 706-3386930 Text R770150 to 52187

GORGEOUS WOODED PRIVATE LOT. Zoned agricultural R4-Residential. Property located only 27 miles from Athens. Call Mable 706338-6930 Text T811567 to 52187

$311,673

REDUCED

GREAT TRACT OF LAND JUST IN TIME FOR SPRING DEVELOPMENT. This property is wooded with a flowing stream perfect for several home sites. $311,673 Call Mable 706-338-6930 Text R214708 to 52187

GREAT COMMERCIAL INVESTMENT PROPERTY WITH TONS OF POSSIBILITIES. A very unique development opportunity. The property is at present a non functional 8 bay self service carwash. All utilities are available. $475,000 Call Mable 706-338-6930 Text R277913 to 52187

GREAT LOT IN WINTERVILLE! $36,000 Call Mable 706-338-6930

HOME AND EXTRA LOT Very nice location. Small home in need of some repairs with space to add on. 3+ acres. 3 bedrooms, 1 bathroom, living room and kitchen. Property is being SOLD AS IS. Call Mable 706-338-6930 Text R623454 to 52187

FABULOUS HOME WALKING DISTANCE TO DOWNTOWN COMMERCE, a 10 minute drive to the Tanger Outlet & the actual race track. 3 bedrooms, 2 baths, private back yard with fencing. Appliances remain. $165,000 Call Yasmine 706-540-6845 Text R584483 to 52187

GREAT STARTER HOME IN ELBERTON, GA. 5 minutes from downtown Elberton and 30 minutes to Lake Hartwell. This is a must see. Call Yasmine 706-540-6845 Text P699522 to 52187 UNDER CONTRACT!

FABULOUS PROPERTY, JUST LIKE NEW, VERY WELL KEPT. 2 bedrooms 2 full baths. Located 5 minutes from UGA campus, close enough to walk to UGA Vet School. Call Yasmine 706-540-6845 Text R893597 to 52187

All my listings have SOLD! I need more listings! Call Yasmine today! 706-540-6845

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Contact Any Women’s Council of REALTORS® Member for Your Real Estate Needs

Bob Allen

Marie Armour

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Greater Athens Properties

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404.569.8847

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Carriage House Realty, INC

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678.863.6166

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706.202.9724

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Shavon Echols

Connect with

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Members are recognized for their professionalism and success in real estate and exemplify the highest standard on industry professionalism

Rhetta Howard

Cindy Karp

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John Laster

Leah Leggett

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Berkshire Hathaway HomeServices Georgia Properties

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Greater Athens Properties

678.296.5053

706.207.2082

Greater Athens Properties 2018 President Athens Network

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the Athens Network!

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Shavon Echols Associate Broker, Licensed Instructor 706-247-1506 In Class Courses Offered: 75 Hour Sales Person Pre-license Course 60 Hour Broker’s Pre-license Course Continuing Education Courses

Page 1

Shavon School of Real Estate

...where superstars p begin! g ...where where superstars begin!

Online Courses Offered:

75 Hour Sales Person Pre-license Course 60 Hour Broker’s Pre-license Course 25 Hour Post Licensed Course 3 Hours - 36 Hour Continuing Education Packages 3 Hour Required License Law Course

www.shavonechols.com for your selling and buying needs Dedicated to providing my clients w/the best service in the industry thru knowledge, dedication and my passion for real estate! www.shavonschoolofrealestate.com for your real estate education I love celebrating the accomplishments and success of my students!

Next in-class salesperson Pre-license class: September 10th November 19th Mondays and Thursdays fr 5pm to 9pm located at 3149 Atlanta Hwy. Bldg# 2, Athens, GA 30606. Early bird registration ends July 31st. Seats are limited

Be Stress free and vacation bound when your home is SOLD with “Nedra Sells White Glove Service” I offer my sellers PAID VACATION as an extravagant closing gift! Call me today for your FREE market analysis! Nedra McKinley (706) 207-2082

KNOW WHAT GOES INTO YOUR CREDIT SCORE You’re probably well aware of how important your credit score is. A good score grants you access to loans and favorable interest rates for a mortgage, and opens up many different possibilities for a healthy financial future. But do you know how your credit score is determined? Be aware of the factors used in credit-scoring models so you can work towards achieving a higher credit score, and therefore a better interest rate from your lender. Here are some of the top factors:

ON-TIME PAYMENT PERCENTAGE

HARD INQUIRIES

This is the percentage of payments you’ve made on time during your credit history. This plays a big role in determining your creditworthiness, so just a couple of late payments could significantly impact your score for the worse. An easy way to avoid late payments? Set up automatic bill pay or create calendar reminders for bill due dates.

When you apply for a credit card, mortgage or auto loan, a hard credit inquiry is initiated on your credit report. One hard inquiry will usually have little impact, but multiple inquiries can have a larger impact. A soft inquiry is when you check your rate to see what you qualify for. If you’re unsure, check with your potential creditor or lender before applying to see if they will do a hard or soft pull.

CREDIT CARD UTILIZATION This is a percentage that is calculated by taking the total of your credit card balances and dividing that number by your total credit card limits. This will show creditors how much of your total available credit you are already using. The lower your credit card utilization, the higher your credit score.

TOTAL ACCOUNTS Consumers with more accounts (or more lines of credit) often have higher credit scores because it indicates that more lenders are willing to give them credit. Having a good mix of different types of credit is good for overall credit health as well. But be prudent: Only apply for credit you actually need.

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AVERAGE AGE OF OPEN CREDIT LINES The longer your credit history and the older your accounts the better. That’s why it’s a good idea to keep older cards open and active, and to start applying for credit at a young age.

DEROGATORY MARKS Derogatory marks are negative items on your credit report like collections, tax liens or bankruptcy. These records can stay on your credit report for 7 to 10 years. If you have one on your credit report, it can show a lender that you may have mismanaged your credit in the past. The best way to overcome derogatory marks is to start rebuilding healthy credit again. This will gradually weigh in your favor.

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FROM S G U B N A B E M O H R U O Y

HOW TO

While spiders and bugs are part of a natural ecosystem, when they invade your home, they’re often less than welcome. If you suspect something crawly is moving in, consider the following advice:

Caulking can go a long way to shoo bugs away. Seal tiny cracks and holes near your doors and windows and along baseboards with a strong tape that can be found at your local hardware store. Store food in airtight containers (or keep it in the refrigerator). This is especially true for grains and sweets. In addition, be sure to clean up after you cook so that there are no crumbs around to tempt bugs.

compost piles and yard waste. Never stack firewood against your home for the same reason. Be aware of Federal laws that dictate that insecticidal products be registered. Guidelines allow the Environmental Protection Agency to evaluate a pesticide’s chemical toxicity to humans, pets and other organisms, as well as the pesticide’s environmental risks.

Follow instructions on product labels. In addition to always using the appropriate dose, take care to use the correct product for the job at hand. For instance, a pesticide registered for agricultural use wouldn’t be appropriate to use indoors. And for those seeking a pesticide that doesn’t remain in the environment for Keep your yard free of debris. This will very long, a product containing essengo a long way toward ensuring that pests tial oils should be considered. don’t find shelter in your firewood stacks, Reduce clutter. Not only is clutter a nuisance, it can also provide shelter for insects. In addition to getting rid of clutter, take the time to clean kitchen and bathtub drains, as they can be another breeding place.

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Here are more specifics about certain types of pests to guide you. Mosquitoes. Not only are mosquitoes incredibly annoying as they buzz about—and bite—but they can transmit serious pathogens that cause diseases like Zika and West Nile viruses. Eliminate all sources of standing or stagnant water. Empty and replace water in planters, bird baths and pet dishes. Keep other water-prone areas like gutters clear. Finally, set up a perimeter around your home that you’ll spray to keep insects away during spring and summer months.

Termites. Keep the area under and around your house free from wood debris, above and below ground. Stack firewood away from the house and off the ground. Damp soil also puts your home at risk, as termites prefer moist soil. If you find termites in your yard, use a termite killer. If they manage to infest your home, call a professional to assess the damage, identify the termite species responsible, and eliminate the colony. Ants. Not only can ants cause structural damage to your home, they can also be a nuisance and crawl inside in search of food. Ants tend to follow trails along the perimeter of the home (baseboards, the edges of countertops), and can use wires and pipes as a highway system within walls. Follow their trails to find and treat the nest. Like cockroaches, baits are also an effective strategy for killing ants.

Bed bugs. These pests are very hard to eliminate from the home. Treatment typically requires a multi-pronged approach including mechanical and chemical control, as well as preventative measures that help avoid a re-infestation. When traveling, make sure to check your luggage and clothes, as bed bugs are known to hitch a ride with you back home. Never put a suitcase on the bed in a hotel, just in case. Houseflies. Flies are also a major carrier of more than 100 disease-causing Cockroaches. To prevent cockroaches, pathogens, collecting them on their legs store food in tightly-sealed contain- and mouth when feeding. Sanitation ers, seal cracks in your home and re- is the best way to prevent flies. Elimiplace torn window screens. Treat your nate breeding sites and sources of food, home’s perimeter with a spray, many of and make sure your trash can has a which will last up to 12 months. Baits tight-fitting lid and is cleaned regularly. are another effective strategy because Keep screens on your home’s windows cockroaches are nocturnal (often feed- and doors, and repair if damaged. If you ing at night) and may be difficult to con- see them near your home, you can kill tact during the day. The benefit of using them on contact with various products. bait is that the roaches do all the work, spreading the bait to kill other roaches By following these tips, and working in hiding. with your trusted pest-control provider, you will ensure that your house remains bug free.

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RETIRING? d n o y e b THINK THE BEACH Starting to think about where your post-career phase of life might take you? A lot of people look at warm weather locations like Florida or Myrtle Beach, S.C., where they can play golf or be near the beach. But what if a house on the golf course or a beach community isn’t what comes to mind when you think about retirement? Well, don’t worry, you’re not alone. With about 4 million baby boomers retiring each year, it’s no surprise that the location options are expanding. While warm weather states such as Florida, Arizona, Texas and Georgia are still top choices, more and more of today’s retirees are opting for hardier climates - with states like Colorado, Pennsylvania and Maine making Forbes’ 2017 list of best places to retire. Also growing in popularity are urban locations, as many retirees are choosing to stay in the city they’ve lived in for years or choosing to downsize by moving to an apartment in an urban center. Cities offer high walkability scores, boundless options for entertainment and culture, plenty of restaurants to go out to eat at or order out from, and quick access to affordable public transportation and plenty of quality healthcare.

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If city life is your option for retirement, do your research and talk to local real estate professionals to rate any city you’re considering on the following factors: AFFORDABILITY SAFETY CONVENIENCE AGING-FRIENDLY HOUSING OPTIONS ACCESS AND SAFETY OF PUBLIC TRANSPORTATION COMMUNITY ENGAGEMENT CULTURAL OFFERINGS

Of course, pedestrian-friendly streets and a strong local economy are important as well. Some cites that meet these criteria are also in warmer locals, such as Florida cities Tampa, Orlando, and Miami. Scottsdale, AZ; Austin, TX; Atlanta, GA; and Denver, CO are also attractive choices. So retirees are able to live in a friendly climate, while also having all of the convenience that city life offers. Remember, city life can be within your reach, no matter what your age. Consult The Real Estate Book in the locations you’re interested in living to ﬁnd the perfect place to spend your golden years.

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JERRY CRAIG 524 Hill Street Athens, GA 30606

706.613.6040 Get Property Details Instantly! Text the property code to 52187

ASSOCIATE BROKER, ABR, GRI

706.202.0335 | jerry@jerrycraig.com

D L O

Search through ALL Athens and Oconee area homes at

J ERRY C RAIG . COM

$325,000

D L O

BEST VALUE IN OCONEE COUNTY! 5BR/5BA with partially fin basement on the #16 tee! Master & 2 bedrooms on main. Oak floors. Spanish tile floor sunroom overlooks golf course. Swim, tennis, golf & North Oconee schools! Text R571730 to 52187

RA CT

IMMACULATE 4BD/3BA IN DESIRABLE OCONEE COUNTY NEIGHBORHOOD, Avalon! Approx $14000 in upgrades, open floor plan, split bedroom plan with master on main. Spacious patio perfect for grilling out. Text R884601 to 52187

LIKE NEW 4BD/2.5BA TOWNHOME IN GATED SWIM, TENNIS COMMUNITY. N. OCONEE SCHOOLS Hardwoods on main. Open plan, fireplace, Kit has granite counters & tile backsplash. Master has walk-in closet, dual vanities. Text R711053 to 52187

BRICK 4BD/4.5BA IN THE HEART OF ATHENS! Open design, hardwood flrs, spacious master suite with jetted tub & marble walk-in shower. Large deck and slate patio off finished basement. Text R730978 to 52187

Deandra Bailey 404.569.8847

706.850.4636

FUN-LOVING COMMUNITY! Recently renovated with new dual unit HVAC, new architectural roof, new appliances, new carpet, fresh paint throughout, and much more! Nice laundry and mudroom area, large eat-in kitchen and family Room with lovely stone fireplace and a wall of windows. Award winning schools and great location convenient to all that Oconee and Athens have to offer. Text R867446 to 52187

Owner 706.202.1155 classicinspect@bellsouth.net www.chisga.com

UN DE R

Chuck Searcy,

CO NT RA C

Protecting YOUR Peace of Mind

PRICE ADJUSTMENT TO $279,000

OLD HOUSE, NEW LIFE! This charming 110-year-old farmhouse has new EVERYTHING from the crawl space to the new metal roof, and everything in between! Owner’s suite has huge walk-in closet and custom bath with dual shower. True circle sawn “shiplap”, granite countertops throughout new floor system, new sprayed foam insulation, new plumbing, new electrical, new Carrier HVAC, new Andersen windows, and new doors. Text R866142 to 52187

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Home Sweet Home Weâ&#x20AC;&#x2122;ll Help You Get There! 706.353.8988

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Call Michelle today & get started! Michelle Mason 706-207-2822 NMLS # 169319 GRMA # 27570

780 Hwy 29 North Ste A â&#x20AC;¢ Athens, GA 30601 Toll Free (800) 353-8988

www.stonegatemortgage.com

Georgia Residential Mortgage Licensee #6540 â&#x20AC;¢ Stonegate Mortgage, NMLS# 169184

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(706) 795-3600 • burdetted@hotmail.com

www.burdetterealty.net

604 Highway 98, West

Deborah Burdette Broker

Gerry Burdette (706) 207-2820

Zachary Kidd (706) 498-7804

Shirley Lightner (706) 296-7558

Danielsville, GA 30633

Patrice Luke (706) 202-0573

Gabe Martin (706) 338-3635

Amanda Smith (706) 680-1800

4 SIDED BRICK HOME IN PARK PLACE SUBDIVISION. Full fin basement, mother in law suite, separate drive to second garage door in basement leading to workshop. $354,900 Zach 706-498-7804 or Amanda 406-680-1800 Text R854178 to 52187

INVESTMENT PROPERTY! COMMERCIAL COMPLEX w/4 rental units. All units are leased. Room to grow with 3.83 acres total. High profile property on Hwy 29 just past Ingles & minutes from the new Kroger. $1,500,000 Gerry 706-207-2820 Text R860416 to 52187

UC TR NS NE

CUTE 3 BEDROOM 2 BATHROOM HOME FRESHLY PAINTED HOME IS READY TO MOVE IN TO! LARGE CORNER LOT, OLD PECAN TREES & AN OLD SHED FOR STORAGE. GREAT FOR INVESTORS TOO! $119,900.00 Amanda 706680-1800 Zach 706-498-7804 Text R735063 to 52187

CIA

CO N

ST R

UC TI

NIT

(706) 207-2825

COUNTRY LIVING AT IT’S BEST!!! 3BR/2BA Cape Cod on a full finished basement. 111+ acres, fenced and cross fenced, ponds, barn, water tanks, hay fields, zoned A1. $799,000 Gerry 706-207-2820 Text R563930 to 52187

NEW CONSTRUCTION IN COVEY LANDING, MADISON COUNTY 3BR/2BA with a bonus room. Deborah 706-207-2825

2 TRACTS (1) 48+ ACRES, PASTURE, CREEK, POND, hay barn and a road side store. $389,760 (2) 64.967 acres of pasture that is fenced and cross fenced. Will make a great cattle, horse, goat or hay farm. $389,760 Amanda 706-680-1800 Zach 706-498-7804

95.63 ACRES OF PASTURE LAND, fenced and cross fenced, stream, double paved road frontage, near shopping and I85, 2 houses that are rented. A1 zoning and in conservation. $650,000 Gerry 706-207-2820 Text R743263 to 52187

COMMERCIAL PROPERTY IN COLBERT $69,900 Call Gabe 706-338-3635 Text R547695 to 52187

M ER

CI AL

GREAT HOME WITH LOTS OF SPACE, some fenced pasture, above ground pool, near schools, shopping, I85 and Athens. A must see! $215,000 Deborah 706-207-2825 Text R783278 to 52187

LAND

ATHENS/CLARKE COUNTY Commercial - 1.945 acres, double road frontage, Hwy 29 high visibility! $500,000 Gerry 706-207-2820 MADISON COUNTY 25.56 wooded acres with barn and drive way $184,600 Gerry 706-207-2820 5.99 acre lot in desirable lIa School district, wooded, paved road $45,000 Patrice 706202-0573 5 wooded acres in the Shiloh community, paved road $32,900 Amanda 706-680-1800 or Zach 706-498-7804 4 private wooded acres, paved road, well & septic $30,000 Gerry 706-207-2820

49.2 acres, A1 Zoning, beautiful creek, well or county water, paved road $309,000 Gerry 706-207-2820 Commercial - 45.86 acres, level, open, on the corner of Hwy 98 & Hwy 172, great location $596,180 Gerry 706-207-2825 17 beautiful wooded acres with small pond, paved road $112,500

31.63 beautiful pasture acres, level, zoned A1, paved road $158,150 Gerry 706-207-2820 Hudson River frontage -147.6 acres, wooded and beautiful $708,672 Gerry 706-207-2820 29.5 acres, double road frontage, creek, open and wooded, beautiful home site $147,500 Gerry 706-207-2820 49.75 acres, level, mostly open but some woods, creek, pond, great home site $273,625 Gerry 706-207-2820

BANKS COUNTY 30.45 wooded acres, paved road, easy access to I85, $210,105 Gerry 706-207-2820 FRANKLIN COUNTY 2 acre buildable lot in Tanglewood Subdivision $13,900 Amanda 706-680-1800 or Zach 706-498-7804

43.02 commercial acres, can be sub divided, double road frontage, county water $860,340 Gerry 706-207-2820

4.976 wooded acres, great home site, D/W's are ok $30,000 Deborah 706-207-2825

9+ commercial acres, can be sub divided, double road frontage, level, high traffic count $380,880 Gerry 706-207-2820

3 acre basement lot in Staghorn Subdivision $49,500 Deborah 706-207-2825

2.98 acres, 2 wells, septic, creek, open and wooded, D/W are ok $22,000 Patrice 706-202-0573

Tignall Lake lots Stillwater Coves, $29,500 Gabe 706-338-3635

JACKSON COUNTY

Se ll ing ?

5 TOP MARKETING TIPS FROM TOP AGENTS 1. GOOD PHOT OGRAP HY In most instances, buyers see photos of your home before they see your home in person. Take well-lit, HD photos to spark the most interest in your home.

2. DON’T RELY SOLELY ON THE WEB TO SELL YOUR HOME Lots of people shop on the web for homes, and there are lots of homes on the web. Stats say that 65 million shop for homes in the U.S. every month. However, only 5 million homes are sold in the U.S. every year. It’s a very crowded space, and your home should be on as many sites as possible. Make sure your agent also takes advantage of targeted print when advertising your home. More on this later...

3. MAKE SURE YOUR AGENT INCLUDES MOBILE TECHNOLOGY IN YOUR MARKETING PLAN

4. MARKET YOUR HOME OFFLINE—LOCALLY Good agents know where potential buyers of your home live, work, shop and play. They use local real estate publications, targeted direct mail, brochures, and other tools to ensure your home gets in front of local home buyers.

5. KEEP YOUR HOME LOOKING GOOD Part of the marketing plan for your home is in your court. This includes how potential buyers perceive it when they walk through the door. Living in a home and keeping it ready to show is a challenge, but it will pay off when buyers find your home more attractive than others they may be considering.

Today, we rely on our phones to look up everything, including real estate. Your home should have a marketing plan that includes mobile tools as a significant element. For example, your home should have a yard sign with a text code on it so that potential buyers driving by can look it up on their phone right away.

Put simply, don’t wait around for homebuyers to find you. Get out there and find them through advertising—both online and offline.

17M012B-033017

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Laura Wilfong

ABR, GRI, Associate Broker, Circle of Achievement Lifetime Member

Cell: 706.540.8991

www.LauraWilfongRealty.com laurawwilfong@gmail.com

706.543.3800

A Place Youʼll Be Glad to Call Home… CHARMING GEORGIAN HOME IN HIGH RIDGE NEIGHBORHOOD, BOASTING WONDERFUL WESTSIDE LOCATION! Traditional home with formal floor plan perfect for entertaining, featuring NEW roof, a spacious yard and much more! $322,000 Text R753359 to 52817

A Mortgage You Will Love, People You Can Trust Get a mortgage ortgage from the people e you can trust at Fidelity Bank Mortgage. We We are a direct ect lender with in-house ing and underwriting, which hich means loan processing decisions are made faster faster.. Our in-house e mortgage operation allows ws you to be informed every step of the way. way. Call Fidelity Bank Mortgage in Athens for all of your Mortgage needs. ds.

Andy Eastman

Brenda Smith

Area Branch Manager 706.255.4493

Senior Mortgage Banker 770.403.3551

NMLS 284014

NMLS 35179

Joe Bishop

Senior Mortgage Banker 864.993.0047 NMLS 204256

Loans subject to normal credit approval criteria.

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Bob Booth

Lynora Sapp

706-540-9632

706-540-0626

leadersbob@gmail.com

Rated High In Client Satisfaction

lynora.sapp@gmail.com 1551 Jennings Mill Road, Suite 800 Watkinsville, GA 30677

706-354-1000

www.BobsAthensAreaHomes.com

Thinking about Selling? I need you & you need me! Call for a FREE Market Analysis!

www.WeSellAthensHomes.com

BOB BOOTH... Don't Make A Move Without Him!

• Former REALTOR Associate of the Year - Athens Area Association of REALTORS • Treasurer, Athens Area Association of REALTORS 1985 • Secretary, Athens Area Association of REALTORS 1986, 1990

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• Former MLS President, Athens Association of REALTORS • Multiple Listing Service 1991 • Certified Residential Specialist • Life Member Million Dollar Club • Phoenix Award, 1995 • Graduate, REALTOR Institute • Rotary Club of Athens

EAGLEWOOD CONDOS- Great location off Lumpkin! Renovated and updated in 2011-12 2 Br/2Ba, Hardwood and tile floors, solid surface countertops, fireplace. Deck overlooking neighborhood pond. Two condos available. $89,500 ea. Call Lynora Text R904767 to 52187

BEAUTIFULLY RENOVATED SPLIT LEVEL HOME IN WINDER! 3 Bed, 3 Bath, remarkable kitchen, fireplace in family room, entire property fenced, large storage building. $274,500. Call Tiffany 678-858-8562 Text R872525 to 52187

CUTE HOUSE ON PRIVATE WOODED LOT. Completely renovated. 3 Br/2 Ba. Vaulted family room, granite counter tops, hardwood patterned tile flooring throughout. $130,000. Call Lynora Text R904766 to 52187

ISABELLE’S PLACE, - Only 4 years, this 3 Br/ 2Ba home has plenty of room for family. Large open floor plan, island kitchen, nice cabinets, hardwood floors, tile baths, .75 ac corner lot. Quiet country neighborhood convenient to new Kroger and Athens Tech. $179,900. Call Lynora Text R904759 to 52187

OFF JEFFERSON RIVER ROAD- All New inside. 3Br/ 2Ba, Hardwood patterned tile flooring, granite counter tops, stainless steel appliances, laundry closet, large grassy backyard. $97,500. Call Lynora Text R904761 to 52187

GET AWAY TO THIS COMFY COZY COTTAGE ON LAKE HARTWELL - 3 Bedrooms, 1.5 Baths, hardwood floors throughout, granite counter tops, tile baths, covered porch. Dock and community dock. $187,000. Call Lynora Text R904756 to 52187

LAKE OCONEE COTTAGE - Short walk from the lake! Open floor plan, kitchen/living rm, 2Br, 1 Ba, large screened porch. Sandy beach, shared fishing and boat dock, playground, pavilion. Only $68,500!! Call Cathy Hamby 706-255-4558 Text R896374 to 52187

Carol Sapp REALTOR® 706-354-1000

Eddy Thaxton REALTOR® 70-202-4607

Roy Woodal REALTOR® 706-424-4925

Margie Freeman REALTOR® 706-207-0923

Carrie Rogers REALTOR® 706-224-8816

Tiffany Neal REALTOR® 678-858-8562

Cathy Hamby REALTOR® 706-255-4558

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“We buy Homes. Any Condition. Quick Cash!” OFFICE 706.355.3178

Get GetDetails Details Instantly! Text Instantly! TextProperty Property Code to 52187 Code to85377

149 BEN BURTON CIRCLE CIR RCLE CLEE BOGART, GA 30622

www.RACProperties.com

Rob Scott Team (706) 355-3178

286 MORELAND AVE, ATHENS, GA $100,000 2br/1ba conveniently located with new stainless steel appliances, new flooring

404 MARABLE ST, MONROE, GA $99,990 2BD/1BA Walton County home recently updated home sits on a corner lot, screened in back porch. New flooring, new cabinets, counter tops, fresh paint, with stainless steel appliances. Text R901245 to 52187

305 3RD AVE, WINDER, GA $133,990 3BD/2BA charming home located in the heart of downtown on a corner lot. New flooring, new counter tops, matching appliances. Text R875589 to 52187

CE DU RE

RE D

UC E

4969 NOWHERE RD, NICHOLSON, GA $128,990 3BD/2BA Madison County home recently updated sits on over 1.5 acres. New countertops, new cabinets, new backsplash, new stainless steel appliances, and new flooring. Text R884605 to 52187

707 REED ST, MONROE, GA $129,990 4BD/2BA A Walton County home in the Walnut Grove school district. This home has new flooring and fresh paint throughout. The back patio overlooks the fenced in wooded backyard. Text R855168 to 52187

151 WATER TOWER LN, LEXINGTON, GA $69,990 4BD/2BA ranch style home is recently renovated. New flooring and fresh paint throughout. Text R563922 to 52187

783 DEARING ST, ATHENS, GA $169,990 3BD/3BA home is in a prime Athens location. This 1,300 sqft home is practically new with new siding, new plumbing, new electrical, new granite counter tops and new stainless steel appliances. All period style ceramic tile in kitchen and bathrooms. Text R869023 to 52187

412 ARROWHATCHEE DR, WINDER, GA $189,990 4BD/3BA with a bonus room sits on over half an acre with a fenced in backyard. new stainless steel appliances. Text R896382 to 52187