New Homes AZ - April 2013

A SPECIAL PUBLICATION CREATED BY REPUBLIC MEDIA CUSTOM PUBLISHING

WHAT’S INSIDE

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In-fill communities

Considering downsizing?

Homeowners insurance

Common roots Pools and Cotton and tires, new homes

Benefits of established neighborhoods

Advice for Baby Boomers

Info from Arizona Department of Insurance

the ties that bind Goodyear and Chandler

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Advice from the experts

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Developments Private of the Month mortgage Some of the Valley’s insurance

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Going ‘green’ New home, Financial benefits new school becoming clearer

hottest developments Choices and options

Builder Buzz

Del Webb; Rosewood Homes

Parents need to do their homework

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Discover where new homes are being built

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Understanding title insurance Title insurance entitles buyer to property

BY DOLORES TROPIANO “It [title insurance] is the least understood and most important protection out there,” said John Lotardo, senior vice president and general counsel for Stewart Title and Trust of Phoenix. “Without it, you can lose your home and not have any way to be reimbursed for the loss.”

Lotardo experienced several sketchy home sales in recent months including one in which someone impersonated a seller, forging their name and identity as part of a sales transaction.

“He [the alleged fraudulent seller] absconded with the money from the buyer and the [supposed] new owner of the home found out later when the legitimate homeowner showed up,” Lotardo explained. “This is something title insurance helps protect against.”

“It [title insurance] is like any insurance. You don’t need it — till you need it.”—Christinna Flynn, Equity Title Agency

This Paradise Valley home features a sophisticated automation system that controls numerous activities. However, new-home buyers don’t have to own an estate to enjoy the benefits of smart-home technology.

SANDRA BALDWIN, RUSS LYON SOTHEBY’S INTERNATIONAL REALTY

Smart homes

High tech, high touch systems make home management fingertip-easy

BY DEBRA GELBART

What title insurance is

Before issuing title insurance, title companies go through a researchintensive public record review of the property being purchased. As a result, title insurance is a policy that insures that the seller of a house actually owns the property. It also insures that there are no liens on the property or problems with the title such as undisclosed heirs, unpaid bills (including taxes) or even unpaid construction invoices.

“It [title insurance] is the only product in the United States that guarantees the title of a home since titles are not issued through the government,” said Christinna Flynn, branch manager and senior escrow officer for Equity Title Agency in Scottsdale.

What title insurance is not

Title insurance is not like other insurance types that are purchased for losses that might occur in the future.

“It is a chain of title in records that go from the beginning of the property’s records to the day of search,” Flynn said.

But it is like other insurances in many ways.

“It’s important to have because buying a house is the largest purchase most people will make in a lifetime,” Flynn said. “It’s like any insurance. You don’t need it — till you need it.”

Resources Arizona Department of Insurance: www.id.state. az.us/publications/MessageAboutTitleInsurance.pdf Equity Title Agency: eta-az.com Stewart Title Arizona: stewartaz.com

If you have a new-homerelated topic you’d like us to research, please write to editor: Paula Hubbs Cohen, Paula.Cohen@cox.net.

H

ome automation has morphed into much more than controlling the functions in your home from a central touchpad. Today’s true “smart home” has an electronic brain with the ability to coordinate almost everything you can adjust in your home manually.

Levels of sophistication

Home automation is available in three levels of sophistication, said Jim Brunen, principal of SmartHome Solutions, Inc. in Scottsdale. The simplest level, he said, is control of a home’s functions, “using a touchpad as a glorified remote control.”

The next level up is integration, allowing various functions “to work together under a uniform set of interfaces.”

The highest level of home automation, he said, is “when the home actually makes decisions” based on information input and what sensors detect, whether it’s occupancy of the home or the lighting, temperature or position of the window shades.

“An example is programming an extended awning on the patio to roll up automatically

USED WITH PERMISSION OF CRESTRON

“Once you have a smartphone interface, you can close your garage door, for example, while you’re at home or while you’re on a beach in the south of France.”

—Jim Brunen, SmartHome Solutions when it’s rainy or windy,” he said.

Or, in the summer, you can program your pool pump to turn on every hour for just 10 minutes when the water reaches a certain temperature to filter the water in the pool. “This can result in substantial energy savings,” he said, “because you may be able to run the pump for a total of 10 hours

FIRST

a day instead of 14 hours, simply by making an adjustment like that.”

Scalable and upgradable

Today’s home automation systems are scalable and upgradable, according to both Brunen and Maggie George, president of Scottsdale-based iWired, Inc. George said her company’s “go-to” product can

be easily upgraded to include more functions when the homeowner chooses to expand the automation.

Brunen advises homeowners to consider the longterm when thinking about automation.

That’s because it costs more in the long-run, Brunen said, to put in automation (SMART HOMES, continued on page NH8)

Building stronger communities for your family to enjoy.

Check out our 20 Phoenix-area communities at MakeThisYourPhxMoment.com

FAMILY Taylor Morrison/Arizona, Inc., AZ ROC # 179178B . © February, 2013, TM Homes of Arizona, Inc., AZ DRE # CO535669000. All rights reserved.

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F R I D AY , A P R I L 5 , 2 013

C R E AT E D B Y R E P U B L I C M E D I A C U S T O M P U B L I S H I N G

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“We are excited to bring new homes to an area of town where people want to continue to live, work and play,” said Paul Kroff, division president of Woodside Homes of Arizona.

builders, some builders such as Amber wood Homes of Mesa are doing custom homes on in-fill lots. “We can build all over the Valley,” said Megan Johnson, operations manager for Amber wood Homes.

Popular parcels

Rosewood homes

In-fill communities

New-home buyers discover benefits of living in established neighborhoods

In-fill challenges

Most in-fill homes are quickly snatched up. In fact, Camelot Reser ve by Camelot Homes sold out half of their 20 homes before the models even opened. Located near 78 th Street and McDonald Road in Scottsdale, Camelot Reser ve is in a sought-after area that rarely sees new home subdivisions being built these days. Homes in the community start at $722,000.

Along with production and semi-custom

In-fill developments can be more expensive for buyers than homes on the outskirts of town as well as more challenging for a builder because they may require a lengthy entitlement process to remove existing structures. In addition, appraisers can have problems valuing an in-fill development.

However, in-fill projects are becoming more popular as Phoenix

THE ARIZONA REPUBLIC

grows and commute times get longer.

“Not ever yone wants a new home in a large masterplan community on the edge of town,” Kitnick said. “In-fill meets the needs of people who want a new home in a mature neighborhood that’s closer to their job and closer to conveniences like restaurants, entertainment and cultural amenities.”

Sources Amberwood Homes: amberwoodhomes.com Camelot Homes: camelothomes.com Fulton Homes: fultonhomes.com Rosewood Homes: rosewoodhomes.com Woodside Homes: woodside-homes.com

BY DOLORES TROPIANO

Why in-fill is in

Dennis Webb is the vice president of operations for Fulton Homes in Tempe. He said that at The Reserve, everything is already in. “All the schools are there and all the retail shopping is there,” he said. “So we have established neighborhoods [plus] people can get to employment centers quicker.”

Rosewood Homes currently has four in-fill projects in various stages of development, including

33 Campbell Place, host to 18 homes on a former church site near 32nd Street and Camelback Road. The homes are priced from $472,990.

“In-fill developments help revitalize neighborhoods with new residents supporting existing local businesses, schools and houses of worship,” said David Kitnick, president of Rosewood Homes. “Infill is also more environmentally friendly because it takes advantage of existing roads and infrastructure rather than having to add miles of new roadways and freeways.”

Opening in May, The Villages at Westridge Park is an in-fill project located near 75th Avenue and Thomas Road in Phoenix. A Woodside Homes community, the 206 homes are priced from $130,000.

AR-0007938121-03

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GREER RANCH                                             

Bridges of Gilbert Gilbert | Summer 2013

Montelena Queen Creek | 480.699.1640

Los Vientos at Palm Valley Goodyear | 623.594.2800

Eastmark Mesa | Summer 2013

Vaquero Ranch Chandler | May 2013

Savannah Litchfield Park | 623.266.0359

AR-0007938211-03

Villagio Queen Creek | 480.235.0665

The Reserve at Plaza Del Rio Peoria | 480.658.6210 Verrado Buckeye | 623.236.9034

Equal Housing Opportunity. Maracay Homes reserves the right to discontinue or modify all prices, plans, design, specifications, features, materials and financing at any time without notice and obligation. Models or house plans that have the same or corresponding plan numbers may reflect changes or options that are different for each community for the city that model homes or house plans are located in. All square footage is approximate. Marketing promotions/incentives only available through approved lenders. Prices, terms, incentives, materials and availability vary between Maracay Homes’ communities, and are subject to change without notice. No unconditional offer for sale or lease made be made and no unconditional offer purchase or lease may be accepted prior to issuance of an Arizona Public Report. Broker/agent must register their clients in person or on the client’s first visit at each community for a broker/agent to receive a commission. ©2013 ROC #172120

Grand Opening pricing!!

W Cactus Rd Loop 303

Lyon’s Gate Gilbert | 480.397.2016

WEST VALLEY Calderra at Palm Valley Goodyear | 623.466.0257

                                                    

Call today to take advantage of this

Visit our communities in the West Valley | East Valley. Open Daily10 a.m. to 6 p.m. | Friday1 p.m. to 6 p.m.

EAST VALLEY Artesian Ranch Chandler | June 2013

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Large home sites available (75x120), Home prices starting at $204,490

  

W Peoria Ave

Greer Ranch Pkwy N Reems Rd

FLEXDESIGN® YOUR NEW HOME AT MARACAYHOMES.COM

including our BRAND NEW Single-Story Supergarage™ floor plan with 2,300 square feet.

WH

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TV TV

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Plan 2300 SG Approx 2300 sq. ft.

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All Maracay homes include Two Year Door-to-Door Warranty and 10 Year Structural Warranty.

THE PATAGONIA RENAISSANCE AT GREER RANCH RENAISSANCE AT GREER RANCH

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into her new home in The Reserve at Fulton Ranch in Chandler, a community that includes 218 homes starting at $270,000. “We really love this area. It is close to shopping, three different freeways and good schools. The bottom line is convenience.”

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D

ebbie and Bryce Sherman lived on the outskirts of town and drove for miles to a grocery store if they ran out of milk. So when they decided to buy a new home they made sure it was in the middle of the action.

The Shermans are part of a growing trend of people purchasing a new home in an established community. These are becoming available throughout the Valley as some new-home builders are creating brand-new, intimate neighborhoods as in-fill projects. In-fill projects are usually on remainder parcels that have been underutilized in urban or suburban settings that are built-out.

“For us, it was all about location,” said Debbie Sherman, who is getting ready to move

623-474-3125

“Courtland Communities”

www.courtlandcommunities.com Located just east of the 303 on Cactus Road, south on Greer Ranch Parkway AR-0007938191-03

THE ARIZONA REPUBLIC

Considering downsizing?

Practical advice for Baby Boomers

BY ALISON STANTON

A

s millions of Baby Boomers see their nests empty, a lot of them are deciding to downsize, an act that typically requires paring down years’ worth of possessions.

Should it stay or go?

To make this process as easy as possible, Doreen Collins, a professional organizer and owner of Organizing by Doreen, LLC, said as Baby Boomers go through their clothing, artwork, furniture and other items deciding what to keep and what to sell or donate, they should ask themselves if they (1) love it; and (2) if they use it.

“If you answered no to either of those questions, then lose it. It is time to let go of stuff that is holding you back and simplify,” she said. “For example, cookbooks are a category that often grows out of control.

Keep the ones that you use the most and love the type of cooking.”

How-to advice

Hosting a “clutter-free

F R I D AY , A P R I L 5 , 2 013

C R E AT E D B Y R E P U B L I C M E D I A C U S T O M P U B L I S H I N G

party” is a fun and effective way to distribute items to family, friends and neighbors, said Alina Hushka, vice president of marketing for Robson Resort Communities.

“This type of gathering allows one the opportunity to give sentimental items away while sharing memories together,” Hushka said.

“Take pictures to remember this event and have a record of what you gave away.”

Additional advice comes from Valerie Cantrell, owner of The UNpackers, who notes that breaking the project into smaller chunks can help prevent folks from feeling overwhelmed.

To get started, she advises that you completely empty one cupboard, drawer or closet at a time.

“Donate or box [what you don’t want/need to keep] for an estate sale,” she said.

“Make sure to clearly and simply mark [boxes/cupboards] on the outside with notes that indicate ‘pack’ or ‘estate sale.’”

Collins believes that hiring a professional organizer

to help downsize belongings is a wise investment.

“You will stay focused, have a coach throughout the entire process, and reduce the stress associated with downsizing so much stuff.”

Where to move?

Deciding whether to live in an active adult community or an all-ages neighborhood depends on the Baby Boomer’s lifestyle needs and desires, Hushka said.

She added that homes in active adult communities tend to be single-story and offer design features appealing to the empty-nester such as large living spaces for entertaining guests, golf cart spaces and separate guest suites to accommodate visiting family and friends.

Financial planning

Mike Sullivan, chief education and operations officer for Take Charge America, a non-profit credit counseling and debt management agency, said that selling a home and downsizing definitely requires careful financial planning.

The questions he suggests that Baby Boomers ask themselves are: • Can we sell our current home and buy another place for less than we receive from our current home?

• Will the other costs of our new home be less than our current home?

• Will we be happy in the new home?

• If we want to have guests stay with us, will there be room for them?

• Can we easily afford to own two homes at once? If not, Sullivan said that Baby Boomers should sell their current home before buying the new home.

Cash or mortgage?

As for whether Baby Boomers should pay cash for their new home or take out a mortgage, Sullivan said the answer isn’t the same for everyone. Along with clearly understanding what type of financial cushion they should have on-hand, Boomers should also decide if they earn enough to benefit from the tax deduction. If not, Sullivan said that they should probably pay cash.

For Baby Boomers who receive a financial windfall from the sale of their home, Sullivan advised that they do the following: “Pay for your new place.

Put enough into a money market fund to pay for emergencies like a car repair or a new water heater (perhaps $10,000),” he said.

“Then invest the rest in very safe investments appropriate for your age and needs.”

Resources AARP: aarp.org Administration on Aging: aoa.gov Area Agency on Aging: aaaphx.org Take Charge America: takechargeamerica.org

NH3

Why do I need homeowner’s insurance? How much do I need?

Why should I buy home insurance?

Owners: To protect both your house and personal property.

Tenants: To protect your furniture and personal property.

Everyone: Protection against liability for accidents that injure other people or damage their property.

mortgage. This may be too little or too much for your individual circumstances.

You are not required to purchase insurance from the insurer recommended by your lender.

Policy requirements: Insurers may impose some conditions for replacement cost protection, to include your insuring the property to value.

How much home insurance do I need?

What affects home insurance prices?

Asset protection: More coverage generally means you will have less to pay out of your own pocket if disaster strikes. You must determine the amount you can financially afford to lose. Depending upon your determination, more insurance may be the answer. You should insure your property to the value you believe your home is worth to obtain maximum protection. You need enough liability coverage to protect yourself from lawsuits resulting from your possible negligence.

Lender requirements: Your lender may require you to cover the house for at least the amount of the

Type of construction: Frame houses usually cost more to insure than brick.

Age of house: New homes may qualify for discounts.

Some insurance companies offer limited coverage or may not insure older homes.

Local fire protection: The number of fire hydrants and fire departments and the availability of water are just some factors which determine your area’s fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance.

SOURCE: Used with permission from the Arizona department of Insurance, azinsurance.gov

Grand Opening This Weekend!

12 Model Homes • 4 New Communities

Breathtaking Upscale Resort-Style Living…In the Exclusive Foothills of Mesa, Arizona

M

ountain Bridge, set amidst the prestige and beauty of scenic mountains. This new signature community for all ages features 45% open space including Extensive Trails and Paths. The Signature Feature of this Resort-Style Masterplanned Community will arguably be the Rustic Stone Bridge that will connect the southern and northern areas of Mountain Bridge for both vehicle and pedestrian access. Covered Grand Entryways, Clock Tower, Rustic Old World, Mediterranean and Andalusian architecture in intimate gated neighborhoods with open space behind most homesites. The Mountain Bridge Owners Club with resort-style amenities offers heated pool, spa, fitness, tennis, event lawns, parks, and lifestyle activities. Great schools, dining, shopping, boating and recreational areas just minutes away! This will be the last signature masterplanned community ever built in this area.

SCOTTSDALE

TEMPE CHANDLER

MESA

GILBERT

ELLSWORTH RD.



WILLIAMS FIELD RD.

From the $200’s!

McKellips Road, 2 Miles East of Power Road

www.MountainBridge.com

480-641-1800 800-599-0053

References to existing or potential views do not constitute a guaranty or representation regarding a specific unobstructed view or indefinite view from any particular lot, home, or amenity.

Some photos are for representation only and are not all shown from actual site. Copyright 2013 Blandford Homes, L.L.C.

NH4

F R I D AY , A P R I L 5 , 2 013

C R E AT E D B Y R E P U B L I C M E D I A C U S T O M P U B L I S H I N G

Goodyear’s first fire truck was purchased in 1948.

If you guessed cotton and tires, you were right

BY JIMMY MAGAHERN

M

any years ago, well before Goodyear was a busy, bustling suburban city, the Akron-based Goodyear Tire and Rubber Company purchased 24,000 acres of Arizona land to harvest the special grade of cotton needed for making tire treads.

However, what few know is that the original town bearing the Goodyear name was actually founded near what is now known as Chandler, on the far opposite end of the Valley.

Egyptian connection

In 1917, a Goodyear executive named Paul Litchfield (who’d eventually have an Arizona city named after him, too) acquired thousands of acres alongside the Agua Fria River and several thousand more near Chandler to harvest the strong, fibrous type of long-staple cotton previously supplied mainly from Egypt.

Indeed, the small town formed around the Chandler land was, in fact, originally called ‘Egypt’ by the locals before given the name ‘Goodyear Ranch’.

Defense spending

Later, the Goodyear company decided to consolidate all of its cotton farming operations around the larger west-side acreage, which had been named the Agua Fria Ranch.

At this dusty site, workers’ families lived meagerly in tents and adobe huts up until World War II. That’s when defense money poured into the company’s new aircraft plant, built in the same area, prompting the need for more workers, and hence, more housing.

Enter Del Webb — yes, THAT Del Webb — who

started the construction of single-family homes on 40 acres of land just north of Western Avenue and east of Litchfield Road. It was the first subdivision in Arizona that was financed under the Federal Housing Administration’s Title IV program developed for defense areas.

THE ARIZONA REPUBLIC

ESTRELLA

CIty of GoodyeAR

What do the cities of Goodyear and Chandler have in common?

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RECHARGED FOR 2013 Be a part of Estrella’s growing oasis. Get ready for fresh new neighborhoods and home designs that embrace a variety of living options. We’re reinvigorated for 2013 with new model homes to tour, new homebuilders, and exciting new shops and services. All to go with a great outdoor lifestyle in the Sonoran Desert. Learn more at Estrella.com/recharged

New neighborhoods, shops & more! +1,- "8'&( &28< ';$&2 ;< 0'&68!!> 3>6#">=( .;;:=8>6( 97 % 455/*4)/),--

Nearly 70K residents

From its humble cotton-field beginnings, the city now boasts more than 66,000 residents with a median income of over $76,000 — most of whom would probably be surprised to learn that the first post office and school bearing the Goodyear name were built about 40 miles southeast of what they now call home.

New homes from the low $100,000s Newland Communities is the largest private developer of planned residential and urban mixed-use communities in the United States.

We believe it is our responsibility to create enduring, healthier communities for people to live life in ways that matter most to them. www.newlandcommunities.com

(See related article on Chandler on page NH9.)

Resources City of Goodyear: ci.goodyear.az.us Three Rivers Historical Society: threerivershistoricalsocietyaz.org Women’s Heritage Trail: womensheritagetrail.org

Grand Opening Saturday & Sunday April 20th & 21st !

Actual development may vary from developer’s vision. No guarantee can be made that development will proceed as described. )G/ 37EF-B+CF7 1/A7+)D/C) B- +/7E /*)7)/ G7* CB) ,(7EF-F/1@ FC*A/3)/1@ B+ /'7DFC/1 )GF* B--/+FCI? 8 CCA III-Estrella Mountain Ranch, LLC (“Fee Owner”) is the creator of the Estrella Community (“Community”). Certain homebuilders unaffiliated with the Fee Owner or its related entities (collectively “Newland”) are building homes in the Community (“Builder(s)”).

Newland is not co-developing, co-building or otherwise responsible for any of the obligations or representations of any of the Builders, and Newland shall have no obligations to any buyer regarding a home purchase from a Builder. Purchasers of homes from any ;% 4#& 52!L<&96 .>!0& >JH =L>!K6 >$>!J64 C&.L>J< >9!6!J$ ;24 ;% 4#&!9 :29=#>6& 49>J6>=4!;J? 8 A9!=&6@ 6:&=!"=>4!;J6@ <&4>!L6 >J< availability of Builder’s homes are subject to change without notice. 2013 © Estrella. All Rights Reserved.

AR-0007984722-01

National Sales Event

33 Campbell Place

     C C !

H-R  S ! G D/S ! C L

Customize For Less With Limited-Time Incentives* During This Event Only! # ."/'0!$ #

Montevista Featuring Two Gorgeous Decorated Models!

Lush and luxurious, one and two-story single-family homes in a gated community featuring a private park!

(25! /') "5+ 6&,,3,,,0 # (480) 595-2800 # +*/))+(-1' #

Windgate Ranch Spectacular Mountain View Home Sites Available!

Luxurious single-family homes within the last master-planned community at the base of the McDowell Mountains!

(25! /') !%.16$,,3,,,0 # (480) 596-7300 # 1!)*"%!'1( .-,2 #

Toll Brothers at Litchfield Park New Floorplans Available!

The final and only new home community building on the historic Wigwam Resort golf course!

(25! /') -44)2 6*,,3,,,0 # (623) 535-5531

L    $,’

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40TH ST.

36TH ST.

N

32ND ST.

24TH ST.

CAMELBACK RD.

33RD PL. CAMPBELL AVE.

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Sales by Rosewood Sales Group, LLC. Rosewood Homes Construction, LLC ROC # 250901. © Rosewood Homes 2013. PD 4/20/13 In the interest of continuous improvement, Rosewood Homes reserves the right to change or modify pricing, plans, designs, materials, features and specifications without prior notice or obligation. All dimensions, square footages, ceiling heights and window sizes, styles and locations are approximate and may vary per elevation. All renderings, floor plans and landscape are the artist’s conception and may vary from the actual plans and homes as built. Please consult your Sales Associate for details. Prices subject to change.

Toll Brothers at Verrado Mountain View Home Sites Available!

Newest Toll Brothers community within the master plan. Luxurious home designs with up to 5 bedrooms, huge home sites and optional casitas!

(25! /') -44)2 6*,,3,,,0 # (623) 398-6249

Visit

SAVE MORE LIVE MORE

April 13th - 28th

TollSalesEventAZ.com/Republic to discover the savings at a community near you.

Open Tuesday – Sunday 10:00 am. to 5:30 pm, and Monday 12 noon to 5:30 pm. Brokers Welcome. Homes Available Nationwide.

Prices Subject to Change Without Notice. Photos Are Images Only and Should Not Be Relied Upon to Confirm Applicable Features. *Offer valid for new buyers who purchase a home in a participating community in Arizona and deposit between 4/13/13 and 4/28/13, sign an agreement of sale, and close on the home. Options and maximum total dollar amount vary by community. Offers, incentives, and seller contributions vary by community and are subject to certain terms, conditions, and restrictions. Toll Brothers reserves the right to change or withdraw any offer at any time. Not valid with any other offer. See sales representative for details. This is not an offering where prohibited by law. Professional Builder Magazine, December 2012. A public report is available on the state real estate department’s website. Broker – Toll Brothers Real Estate, Inc.

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THE ARIZONA REPUBLIC

F R I D AY , A P R I L 5 , 2 013

C R E AT E D B Y R E P U B L I C M E D I A C U S T O M P U B L I S H I N G

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Experts advise that while buyers often can roll the cost of a pool into the mortgage, most financers require that buyers pay a percentage up front — 25 percent is a good rule of thumb.

shAstA Pools

Building a pool with your new home Advice from the experts

BY ELISE RILEY

H

ere in Arizona, it’s no surprise that a pool is one of the top requests for newhome buyers.

Getting there, however, requires a bit of cash and a lot of planning.

“It’s going to cause the mortgage payment to go up due to the higher loan amount,” said Rex Hansen, branch manager for First Mortgage Corporation. “But beyond that, when adding a pool to a new construction, there may be an appraisal issue. If the appraisal doesn’t come in at value due to a lack of recently closed comparable sales

in the neighborhood, the customer may need to bring in the difference to the closing table.”

Financial preparation

Perhaps the most important financial factor that new-home (and pool) buyers need to understand is that they need to be prepared to provide a down payment for their pool.

Experts advise that while buyers often can roll the cost of a pool into the mortgage, most financers require that buyers pay a percentage up front — 25 percent is a good rule of thumb. Gone are the days of 100 percent

ThinkingabouTadding a poolToyour new home?

Follow these expert tips.

1. Stay pROpORtiOnal: many pool companies have design studios that can help buyers create a pool that’s the right size for their backyard space.

2. UndERStand finanCing: Buyers can roll the costs of a pool into a mortgage, get a separate loan or get a credit line to pay for a pool. All have their pros and cons. Be sure to find out whether any up-front costs are required.

3. SCOpE OUt mOnEy-Saving OppORtUnitiES: one of the most expensive parts of pool building is excavation. If there’s an opportunity to build the pool before the home sale closes, try to do it since you’ll more than likely save on the costs associated with the taking down of walls and/or fences.

4. SEt a bUdgEt: some buyers look at the cost of their pool over a 30-year mortgage, while others put a new pool in their budget as the cost of vacations for several years, or perhaps a new car. make sure you’re prepared to absorb the overall costs into both your short- and long-term budgets.

financing (for most buyers). New homes get appraised before closing documents are signed and that $25,000 pool could eat up any equity a buyer had built into their mortgage.

Hansen said he’s seen financial companies require that buyers put 50 percent of a pool’s cost in an escrow fund when they sign loan documents.

“This money acts as a contingency fund until the pool is complete,” he said. “As long as the pool is done on time, that money can be refunded back to the homebuyer, but it is something that homebuyers need to be prepared for at the closing table.”

Hansen said that if the pool cannot be completed when it is time to close escrow on the home, the lender may need to do a pool ‘holdback’. “That’s where the lender holds back a portion of the loan funds until the pool is completed,” he explained.

Pool partners

Most homebuilders have preferred pool and mortgage partners. Working with those companies can make the process easier on a buyer.

“We can incorporate the price of a new swimming pool into the purchase price,” said Terry Lents, sales associate

for Blandford Homes at Mountain Bridge in Mesa.

“You can wrap a new pool into a new Blandford home with a very minimal initial investment. It’s a convenience — most of your backyard’s done with your new pool with minimal [area] left to landscape around it.” He added that nearly 50 percent of new-home buyers are adding pools to their backyards.

Construction timing

Depending on the homebuilder, pool company and mortgage company, a pool could be constructed in tandem with the home, or immediately after the home is complete.

Ideally, it’s most convenient to have them completed simultaneously.

Most likely, however, the pool can take at least a couple of weeks to complete after close of escrow.

“There are some cases when we have to wait until after close of escrow to begin the process of building the pool,” said Jim Pinson, homebuilder division sales manager with Shasta Pools. He works with almost a dozen local builders. “Some builders have no issues in combining that service.”

Resources Association of Pool and Spa Professionals: apsp.org

Gain a New Perspective

On the Best Value in Active Adult Living

Visit CantaMia.com or call 623-474-6960 to explore some of CantaMia’s best home sites before they’re gone. >:%5 JF,1) 3F-.':-4 =F2% ?.7H I0 ;9I<%11F BF<2+F)& 90$I/ 7( -,1%9 I0 I/% E0--$5,I)4 17700 West Star Point Drive, Goodyear, AZ. 85338.

Breathtaking views of the Estrella Mountains is only part of CantaMia’s attraction. It’s also the Valley’s BEST VALUE in active adult living with new homes from the $130s.

Enjoy 30,000 sq. ft. of activities and fun at our Clubhouse: G 6,I5%99& F%<0C,E9& F5J ,5J00< :001 G 85 F::%I,!,5*& J%-059I<FI,05 2,IE/%5 G >$IJ00< <%90<I.9I)1% :001 F5J 9:F G B,E21%CF11& C0EE%& F5J +F12,5* I<F,19 G @F"#& C,11,F<J9 <00-& I%E/5010*) E%5I%< G A<0$: FEI,D,I,%9& 90E,F1 %D%5I9& F5J 5%+ "<,%5J9/,:9 This is not an offer in states and jurisdictions where prior registration is required and void where prohibited by law. No offer for sale or lease can be made and no offer to purchase can be accepted prior to issuance of the final Arizona Public Report. A public report is available on the Arizona state real estate department website located at www.re.state.az.us. JCH Construction LLC. ROC 256789.

Copyright 2013. All rights reserved. CANTAMIA, is an exclusive trademark of AV Homes Inc. Subject to availability.

AR-0007974387-01

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F R I D AY , A P R I L 5 , 2 013

C R E AT E D B Y R E P U B L I C M E D I A C U S T O M P U B L I S H I N G

THE ARIZONA REPUBLIC

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NEW HOMES LOCATOR MAPS

N Scottsdale Rd

8 Mountain Gate in Vistancia

E

EA Te mp

Supe

Ahwatukee

WC 202

Q u ee

d icop

aR

Casa Blanc Casa B

238

SOUTHWEST Arboleda Ranch 1 Joseph Carl Homes

From the low $400s

28th St. & E. Baseline Rd, Phoenix www.JosephCarlHomes.com 602-374-4487

2 Calderra at Palm Valley Maracay Homes

From the mid $250s

Virginia Ave. & Monte Vista, Goodyear www.maracayhomes.com 623-594-2800

3 CantaMia by Vitalia AV Homes

From the $130s

Estrella Pkwy, South of Elliot, Goodyear www.cantamia.com 623-474-6960

4 Canyon Trails Summit Collection

Taylor Morrison

Close-Out Community

Cotton Lane & Lower Buckeye Rd, Goodyear www.taylormorrison.com 623-476-7001

5 Juniper at Desert Passage KB Home From the $120s

Parker Rd and Lococo St., Maricopa www.kbhome.com 520-568-0582

La Mirada at Montecito in Estrella Taylor Morrison 6

Close-Out Community

Estrella Pkwy & Calistoga Dr., Goodyear www.taylormorrison.com 623-518-3912

Las Brisas Discovery & Encore Collections Taylor Morrison 7

From the $140s

Perryville & Lower Buckeye Rd, Goodyear www.taylormorrison.com 623-476-7001

8 Las Brisas Expedition Collection

Taylor Morrison

Now Open; From the high $100s

Perryville & Lower Buckeye Rd, Goodyear www.taylormorrison.com 623-476-0141

5M a r i c o13 pa W

M

Los Vientos 9 at Palm Valley Maracay Homes From the low $300s

VirginiaAve. & MonteVista, Goodyear www.maracayhomes.com 623-594-2800

10 Medina at Estrella

Maracay Homes

From the high $170s

Estrella Pkwy & Calistoga Dr., Goodyear www.maracayhomes.com 623-327-2341

11 PebbleCreek

A Robson Resort Community From the $230s

PebbleCreek Pkwy and Clubhouse Dr., Goodyear www.Robson.com 623-935-6700

12 Rimrock at Del Rio Ranch Courtland Communities From the $207s

120th Ave. & Whyman Ave.,Avondale 623-474-3125 www.courtlandcommunities.com

1 Adora Trails Discovery & Encore Collections

From the high $100s

Val Vista Dr. & Riggs Rd, Gilbert www.taylormorrison.com 480-988-9098

2 Adora Trails Odyssey Collection Taylor Morrison From the mid $200s

Val Vista Dr. & Riggs Rd, Gilbert www.taylormorrison.com 480-988-1770

3 Bella Via-Maestro

Pulte Homes

From the $190s

Warner Rd & Signal Butte Rd, Mesa www.pulte.com 480-354-3373

4 Carmel at Mountain Bridge

Blandford Homes

d nt R

Camelback Rd & Perryville Rd, Litchfield Park www.maracayhomes.com 623-266-0359

Savannah Voyage Collection Taylor Morrison

From the $180s

107th Ave. & Happy Valley Pkwy, Peoria www.pulte.com 623-362-4033

From the $140s

183rd Ave. & Bell Rd, Surprise www.taylormorrison.com 623-322-0164

Camelback Rd & Perryville Rd, Litchfield Park www.taylormorrison.com 623-322-0164

21 Tierra Del RioCanyon

Pulte Homes

17 Surprise Farms Encore Collection

From the $220s

107th Ave. & Happy Valley Pkwy, Peoria www.pulte.com 623-572-2779

Taylor Morrison

13 Silvergate at Crossriver

From the $160s

183rd Ave. & Bell Rd, Surprise www.taylormorrison.com 623-266-0528

Courtland Communities Only one lot left!

123rd Ave. & Williams Rd, Sun City www.courtlandcommunities.com 623-474-3125

22 White Tank Foothills

18 Surprise Farms Odyssey Collection

Pulte Homes

From the $170s

Taylor Morrison

Stetson Valley 14 Pulte Homes

N 3 5 t h Av e

Pulte Homes

Taylor Morrison

From the $170s

N 51st Ave

ia Ag ua Fr

20 Tierra Del RioCactus

16 Surprise Farms Discovery Collection

12

N 7 5 t h Av e

v

Ri

w

Ne

N Litchfield Rd

N Reems Rd

West Canyon Springs Blvd & Sun Valley Pkwy, Buckeye www.delwebb.com 928-252-6551

Olive Ave. & Citrus Rd, Waddell www.pulte.com 623-466-9916

From the $170s

183rd Ave. & Bell Rd, Surprise

5 Classics II at Cooper Ranch

KB Home

Last Chance; From the $240s

Estrella Pkwy & Calistoga Dr., Goodyear www.JosephCarlHomes.com 623-433-9982

Sin Lomas KB Home

Grand Opening

Cotton Lane & Lower Buckeye Rd, Goodyear www.kbhome.com 888-kb-homes 623-236-3893

16 Stone Gate in Estrella Rosewood Homes

Now Selling; From the $230s

Estrella Pkwy & Calistoga Dr. www.RosewoodHomes.com 623-925-8999

Verrado 17 Maracay Homes

McDowell Rd &VerradoWay, Buckeye www.maracayhomes.com 623-236-9034

mpe

101

87

W Chandler Blvd Chandler Stellar Airpark

eek Rd

22

60

Mesa

7 19 16 4 9

E Main St 60

E Guadalupe Rd

5 Gilbert 202 E Ray Rd 12 E W6illiams Field Rd S a ntan F wy

8

Sun Lakes

202

21

uperstition Fwy

pe

10

Apa

ch

E Apache Blvd

1

E Rig gs Rd

3

Phooenix-Mesa 11 Gateway Airport

18 2

Goodyear Village

anca Rd a Blanca

Warner Rd & Recker Rd, Gilbert www.kbhome.com 480-507-3931

Frye Rd & Higley Rd, Glbert www.kbhome.com 480-507-3931

Now Open; From the $180s

l Rd

McKellips Rd & Hawes Rd, Mesa www.blandfordhomes.com 480-641-1800 We t Camp Vi l l a g e

Parker Rd and Lococo St., Maricopa www.kbhome.com 520-568-0582

Saronno at Estrella 14 Joseph Carl Homes

Salt Riv

r b DRed Mountain Fwy

een 15 Q u13 C re e k

From the low $300s

KB Home

From the $120s

From the $207s

183rd Ave. & Bell Rd, Surprise www.taylormorrison.com 623-322-0164

From the $160s

From the $212s

Taylor Morrison

13 Sage at Desert Passage KB Home

15

From the $170s

Del Webb

Savannah 11 Maracay Homes

SOUTHEAST

Mar

SOUTHWEST

Taylor Morrison

15 Sun City Festival

10

S a c a t e We t Vi l l a g e Vi l

347

Cactus Rd & Reems Rd, Surprise www.courtlandcommunities.com 623-474-3125

78th Lane & Jomax Rd, Peoria www.courtlandcommunities.com 623-474-3125

19 Surprise Farms Premiere Collection

S Hawes Rd

Riggs Rd

From the $204s

www.taylormorrison.com 623-266-0528

N Bush Hwy

d

Courtland Communities

W McDowell Rd 10

Tol l e s o n W Buckeye Rd

S Sossaman Rd

eR

S Ma

ltlin

n Creek

ricop

Be

Santa Cruz

a Rd

Firebird Lk

Stel Airp

9 Renaissance at Greer Ranch

From the $342s

e

101

S Power Rd

Gila Riv

10

Guadalupe

North of Lone Mountain Road; east of 137th Ave., Peoria www.RosewoodHomes.com 623-487-7900

Courtland Communities

17

W Northern Av

Glendale

51st Ave. & W. Stetson Valley Pkwy, Phoenix www.pulte.com 623-434-5123

S Higley Rd

1

W Baseline Rd

Only one home left!

Agua Fria Riv

PhoenixSt From the $180s

S Val Vista Rd

W S o u t h e r n Av e

Rosewood Homes

10 Reserve at Rock Springs

60

W Camelback Rd

10

S a n Ta n Va l l e y 587

S t o t o ni c Vi l l a g e Lower Santan S w e e t Vi l l a g e Water Upper Vi l l a g e S a n t a n7 Vi l l a g e Casa Blan ca R dS Sacaton a

Sacato Casa Grande Rd n Rd

10

N

py

Estrella Pkwy

d

Phoenix Sky Harbor International Airport

17

S 5 1 s t A ve

S Cotton Ln

Vistancia Blvd & Lone Mountain Pkwy, Peoria www.taylormorrison.com 623-255-3392

ve ll A

16 14 6 10

Models Now Open; From the $220s

Mi

Salt Riv

Taylor Morrison

E M cD o w e l l R

E Van Buren St

Tol l e s o n W Buckeye Rd

12

E C a m e l b a ck R

H o h o k am E x

W McDowell Rd 10

t in SAv o n d a l e W Lower Buckeye Rd

Baseline Rd

3

e

101

v

8

dA

7

Ma

Phoenix

an

Agua Fria Riv

10

PhoenixGoodyear Airport

Glendale

W Camelback Rd

Gr

15 4

W Broadway Rd

Glendale Municipal Airport

7 Ironwood Ridge Expedition Collection

S Rural Rd

Luke A.F.B.

W

Goodyear

Ag ua

19th Ave. & Jomax Rd, Phoenix www.pulte.com 623-582-1588

11

Cactus Rd & Reems Rd, Surprise www.courtlandcommunities.com 623-474-3125

60th St. & Lone Mountain Rd, Phoenix www.taylormorrison.com 480-296-0244 a w Pe a k Fw y S qu

From the $280s

9 17

From the $222s

From the mid $400s

N 7 t h Av e

3 Fireside at Norterra Pulte Homes

2

Lone Mountain Pulte Homes

6 Lone Mountain Summit Collection Taylor Morrison

N 5 1 s t Av e

Deer Valley Rd & Aviano Way, Phoenix www.delwebb.com 602-337-1818

Litchfield Park

Courtland Communities

60th St. & Lone Mountain Rd, Phoenix www.pulte.com 480-488-2973

From the $300s

W Camelback R d

6 Heritage at Greer Ranch

From the $300s

Del Webb - all ages

303

19th Ave. & Jomax Rd, Phoenix www.pulte.com 888-500-2107

5

2 Fireside at Desert Ridge

Cactus Rd & Reems Rd, Surprise www.GehanHomes.com 623-584-0903

10

Litchfield Park

N Lindsay Rd

North side of Campbell Ave. at 33rd Place, Phoenix www.RosewoodHomes.com 602-252-0088

11 12

From the $240s

From the $230s

Glendale Municipal Airport

W Greenway Rd

v

Grand Opening April 20 & 21; From the $470s

Fireside at Norterra-Skyline Pulte Homes 4

101

dA

H

33 Campbell Place Rosewood Homes

Yo ungtown

W Camelback R d

Hacienda at Greer 5 Ranch Gehan Homes

W Bell Rd

Maricopa Lk

Luke A.F.B.

303

A q ua F r i

an

b

E M cD o w e l l R d

Dr

West Canyon Springs Blvd & Sun Valley Pkwy, Buckeye www.pulte.com 928-252-2450

S Cotton Ln

101

N Gilbert Rd

N Scottsdale Rd

From the $120s

E McDonald Dr

appy Valle y Rd W H14

New Riv

Sun W G City ra E l M i r a g e n d Av e

W Northern Ave

Pulte Homes

NORTHEAST 1

22

S Gilbert Rd

v

a w Pe a k Fw y S qu

d

W Cactus Rd6 5 9

10

Gr

dA

W McDowell Rd 10

1

T De rilby W ten tion ash Bas in

N 7th St

Crk Cave

an e

01

E C a m e l b a ck R

W Bell Rd

3

17

W

N 7 t h Av e

N 7 5 t h Av e

Riv

w

Ne

Fwy

N 3 5 t h Av e

Gr

N 5 1 s t Av e

Phoenix

78th Lane & Jomax Rd, Peoria www.courtlandcommunities.com 623-474-3125

4 Festival Foothills

Paradise Val l e y

W

W Camelback Rd

igh

E Shea Blvd 51

W Northern Ave

Glendale

yd

Wr

ria

Ll o

17

k

an

60

From the $272s

Fr

ve

W Greenway Rd

Aqua Fria

16 17 18 19

3 Enclave at Rock Springs

Courtland Communities N

101

Fwy

E Bell Rd

Clu

an t eas

W Union Hills Dr W Bell Rd

13

orial Pkwy

Peoria

20 21

Sun City West

S u r p r i se

4 15

N C o u n t r y Cl u

P ima

60

N. Vistancia Blvd & W. Happy Valley Rd, Peoria www.kbhome.com 888-kb-homes S c o t t s d al e

2

101

2

ve

Fw y

ve

ump M Bob S t em

N 99th A

4 Phoenix-Deer Valley Airport

A q ua F r i a

1

Coming in April

6

303

E Mirage Rd

3

W Happy Valle y Rd

New Riv

5

17

S Alma School Rd N Arizona Ave S Count r y Club Dr

orial Pkwy

Peoria

dA

KB Home

N Scottsdale Rd

Rd

ump M Bob S t em

an

2 Coldwater Ranch

E Carefree Hwy

74

74

Gr

7

asa

C a re f re e

NORTHEAST

NW

Loop 303 & Lone Mountain Rd, Peoria www.taylormorrison.com 623-255-3215

8

e P le

From the $330s

W Carefree Hwy

Fwy

Taylor Morrison

NOTE: Maps are not scaled equally.

W Carefree Hwy

NORTHWEST

S A r i z o n a Av e

#

1 Blackstone Summit Collection

P r i c e Fw y

#

N Lak

NORTHWEST

Master Planned Communities Single Family Developments Active Adults

#

6 Courts at Cooley Station

Mountain Villa Homes Grand Opening From the mid $200s

McKellips Rd & Hawes Rd, Mesa www.blandfordhomes.com 480-988-2400

Hamilton Heights 8 Pulte Homes

From the high $200s

Arizona Ave. & Queen Creek Rd, Chandler www.pulte.com 866-765-8593

9 Hermosa Estates Blandford Homes

From the $490s

McKellips Rd & Hawes Rd, Mesa www.blandfordhomes.com 480-895-2800

10 Lehi Crossing Taylor Morrison

Models Now Open From the low $300s

Val Vista Dr. & Thomas Rd, Mesa www.taylormorrison.com 480-270-8617

187

n Rd Sacaton Flats Vi l l a g eB l a c k w a te r

10

Coming in April

7 Entrada at Mountain Bridge

cato

17 11 The Lofts at Power Ranch

Blandford Homes

Grand Opening From the mid $100s

Pecos Rd & Power Rd, Gilbert www.blandfordhomes.com 480-988-2400

Lyon’s Gate 12 Maracay Homes

From the $280s

Higley Rd & Ray Rd, Gilbert www.maracayhomes.com 480-257-9685

13 Montelena

Maracay Homes

From the $332s

S. Hawes Rd, S. of Ocotillo Rd, E. on Via Del Palo, Queen Creek www.maracayhomes.com 480-699-1640

14 Parkside at Anthem at Merrill Ranch

387

SOUTHEAST

15 The Pecans

Blandford Homes

From the $400s

Chandler Heights & Ellsworth Rd, Queen Creek www.blandfordhomes.com 480-987-7820

16 The Reserve at Mountain Bridge

19 Stonegate at Mountain Bridge

Blandford Homes From the $400s

McKellips Rd & Hawes Rd, Mesa www.blandfordhomes.com 480-641-1800

20 Sun City Anthem at Merrill Ranch

Blandford Homes

Del Webb

McKellips Rd & Hawes Rd, Mesa www.blandfordhomes.com 480-641-1800

Merrill Ranch Pkwy & Hunt Hwy, Florence www.delwebb.com 520-413-6100

From the $550s

17 Robson Ranch

A Robson Resort Community

From the $130s

I-10 and Jimmy Kerr Blvd, Eloy www.Robson.com 520-426-3300

18 Shamrock Estates Odyssey Collections

Pulte Homes

Taylor Morrison

Merrill Ranch Pkwy & Hunt Hwy, Florence www.pulte.com 520-413-6175

Higley Rd & Ocotillo Rd, Gilbert www.taylormorrison.com 480-821-0655

From the $120s

14 20

Close-Out Community

From the $130s

Trovita Estates Summit & Pinnacle Collections

21

Taylor Morrison

From the mid $300s

Val Vista Dr. & Adobe St., Mesa www.taylormorrison.com 480-275-2118

22 The Waters at Ocotillo

Pulte Homes

From the $370s

Dobson Rd & Price Rd, Chandler www.pulte.com 800-665-4140

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THE ARIZONA REPUBLIC

F R I D AY , A P R I L 5 , 2 013

C R E AT E D B Y R E P U B L I C M E D I A C U S T O M P U B L I S H I N G

NH7

MARACAY HOMES

Maracay Homes Savannah, Litchfield Park

By Maracay Homes

S

et against the West Valley’s White Tank Mountains, Maracay Homes at Savannah in Litchfield Park features oversized homesites that can accommodate an Accessory Garage — including four separate standalone designs and two attached-plans.

Maracay Homes at Savannah offers nine one- and two-story home plans from 2,364 to 4,144 square feet. These Energy-Star designs include from 3 to 6 bedrooms and from 2 to 4 baths, as well as a 3- or 4-car garage. Buyers can also incorporate FlexDesign® selections for Generation Suites or Bonus Rooms.

The single-story Bartlett (2,364 sq. ft., HERS Index 69) has 3 or 4 bedrooms and 2 or 3 baths, while the single-story Patagonia (2,708 sq. ft. HERS 63) and Mohave (2,730 sq. ft., HERS 62) each offer 4 bedrooms, 2.5 or 3 baths. With 4 or 5 bedrooms and 2.5 or 3 baths, the single-story Powell (HERS 64) has 2,927 square feet.

The two-story Havasu (HERS 61) and Sunrise (HERS 62) both have 4 or 5 bedrooms, 2.5 to 3.5 baths and 3,633 square feet; the Sunrise offers an attached RV garage. The two-story Saguaro (HERS 61) and Canyon

FYI: Maracay Homes Savannah Lot size: Varies significantly Number of homes: 70 Nearby schools: Verrado Elementary, Verrado Middle School, Verrado High School Nearby hospitals: Banner Estrella, West Valley Hospital Nearby shopping: Westgate City Center, numerous neighborhood venues Nearby amenities: White Tank Mountains, Estrella Mountain Regional Park, Goodyear Ballpark, easy access to Loop 303 and I-10 Directions: From the North: Exit Loop 303 South at Camelback. Right on Camelback.

Right on Perryville. Models on right at Georgia Ave. From South: North on Perryville to models.

From East: West on Camelback. Right on Perryville to models. From West: East on Indian School. Left on Perryville to models.

Sales office hours: 10 a.m.–6 p.m. daily; Fri. 1–6 p.m.

Prices: From the $212s More info 18625 W. Georgia Ave., Litchfield Park 85340 623-266-0359 maracayhomes.com

(HERS 62) offer 5 or 6 bedrooms and 3.5 or 4 baths in 4,144 square feet; the Canyon offers an attached RV garage.

DEL WEBB

Fireside at Desert Ridge, Northeast Phoenix

By Del Webb (all ages)

A

n all-ages community, Del Webb’s Fireside at Desert Ridge offers upscale amenities and a range of housing options designed for a variety of lifestyles including young professionals, couples, empty-nesters and families. The setting offers plenty of privacy, but is also close to Desert Ridge’s eclectic mix of shopping, dining and movie theaters.

Fireside at Desert Ridge has 21 floor plans in four series of homes, ranging from 1,448 to 4,301 square feet with from 3 up to 5 bedrooms. Plans include one- and two-story single-family homes as well as maintenance-free living.

Considered very energy-efficient, the average HERS rating for the homes at Fireside at Desert Ridge is 68.

Amenities include a community center, resort-style family pool with cabanas and a heated spa, adult lap pool, fitness and cardio center, lighted tennis and basketball courts, a yoga garden, a children’s splash-pad, playgrounds and more. Homes start in the $300s.

FYI: Fireside at Desert Ridge Lot size: Approx. 45x115 Number of homes: 900 total; 26 homesites remaining Nearby schools: Fireside Elementary, Wildfire Elementary, Explorer Middle School, Pinnacle High School Nearby hospitals: Mayo Clinic, Paradise Valley Hospital, John C. Lincoln Hospital Nearby shopping: Desert Ridge Marketplace, Scottsdale Quarter, DC Ranch, City North, Kierland Commons Nearby amenities: Desert Botanical Gardens, Musical Instrument Museum, Wildfire Golf Course Sales office hours: 10 a.m.–6 p.m. daily; Wed. noon–6 p.m.

Price range: From the $300s Directions: Located on the southwest corner of 40th Street and Deer Valley Road.

More info 3819 Ember Glow Way, Phoenix 85050 866-301-6019 delwebb.com

COURTLAND COMMUNITIES

Rimrock at Del Rio Ranch, Avondale Coming Soon!

BLANDFORD HOMES

The Lofts in Power Ranch, Gilbert

by Blandford Homes

F

eaturing three plans and four exterior elevations, these two-story loftstyle homes each have 3 bedrooms, 2 to 2.5 baths, and a 2-car garage.

The Penthouse (1,336 sq. ft.) has all living spaces on the second floor, including the living room, kitchen and a dining room with access to a dining deck. The two supporting bedrooms are located in the center of the layout, with the owner’s suite being at the far end of the floor plan for maximum privacy. One of the secondary bedrooms can be built as an optional den.

The Loft (1,368 sq. ft.) has a front porch and a first-floor living room, dining room, kitchen and optional powder room. All of the bedrooms are located on the second floor; bedroom 2 in this plan can be made into an optional den.

The Villa (1,328 sq. ft.) also features a front porch with the living room, dining room, kitchen and an optional powder room on the first floor. All bedrooms are upstairs, but the layout is arranged differently than in The Loft.

Located in Gilbert, the master-planned community of Power Ranch has over 200 acres of open space and greenbelts, a 26-mile community trail system and 27 parks, each with unique amenities.

FYI: The Lofts in Power Ranch Number of homes: 105 Nearby schools: Centennial Elementary (K-8), Higley High School Nearby hospitals: Mercy Gilbert Nearby shopping: San Tan Village Nearby amenities: Easy access to Valley freeways Directions: Northeast corner of Power Road and Los Altos Road. (First stoplight south of Pecos on Power Road.)

Sales office hours: 10 a.m.–6 p.m. daily; Mon. 2–6 p.m.

Price range: From the mid-$100s More info NE corner of Power Road and Los Altos Road, Gilbert 85297 480-895-6300 Gale@blandfordhomes.com Jerry@blandfordhomes.com blandfordhomes.com

In addition, there are catch-and-release lakes, lakeside trails, multiple pools, a splash fountain and picnic pavilions with barbecues. The community also includes basketball and volleyball courts and two clubhouse facilities with catering kitchens.

by Courtland Communities

L

ocated in Avondale, the model home at the SRP Energy Starapproved community of Rimrock at Del Rio Ranch is currently under construction. Pre-sales are being done through Courtland’s Renaissance at Greer Ranch sales office at 15984 W. Poinsettia Drive in Surprise.

Pre-Grand Opening bonus features include granite kitchen countertops, a covered patio and stainless steel appliances. Buyers will also receive 2.5 percent of the purchase price for financing and closing costs by utilizing Suburban Mortgage and First American Title.

The Chaparral (2,055 sq. ft.) is a single-story plan with 4 bedrooms and 2 baths (option for a third bath). The 3-bedroom, 2.5-bath Sedona Supergarage™ plan has 2,128 square feet with a 17 feet x 40 feet attached RV Supergarage™. The Patagonia is also single story, and has 2,300 square feet, 3 bedrooms, 2 baths, an oversized 2-car garage and an optional fourth and/or fifth bedroom.

The two-story Monaco Supergarage™ has 3 bedrooms, 2.5 baths, a game room and the option for a fourth and/or fifth bedroom with a full bath.

This 2,472-square-foot home has an attached 16 feet x 46 feet RV Supergarage™. Another two-story home with

FYI: Rimrock at Del Rio Ranch Lot size: 63 feet x 125 feet; lots vary in size Number of homes: 43 lots available Nearby schools: Estrella Vista Elementary, Avondale Middle School, La Joya High School Nearby hospitals: Banner Estrella, West Valley Hospital Nearby shopping: Fry’s, Costco, Walmart, Home Depot, Lowe’s, JCPenney, Petco Nearby amenities: Gateway Pavillions, Phoenix International Raceway, Phoenix/ Goodyear Airport, Estrella Mountains Directions: Off I-10, south on Avondale Blvd to Whyman Ave. West to 120th Avenue. South into subdivision. Model on Mountain View Drive.

Sales office hours: 11 a.m.–5 p.m. daily; Tues. and Wed. 1–5 p.m.

Prices: COMING SOON! More info 12010 W. Mountain View Dr., Avondale 85323 (Model under construction) 623-474-3125 courtlandcommunities.com

3 bedrooms, 2.5 baths and a game room, the 2,738-square-foot Acacia, includes the option for a fourth and/or fifth bedroom and an optional third bath.

The Tucson is two stories with 3,212 square feet with 4 bedrooms, 2.5 baths and a game room or optional fifth bedroom.

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THE ARIZONA REPUBLIC

Used wIth PeRmIssIon of CRestRon

(SMART HOMES, continued from page NH1)

Private mortgage insurance Mortgage insurance tough to avoid

BY DEBRA GELBART

A

low down payment can be a good thing financially, but there is a downside: if your down payment is less than 20 percent of the home’s purchase price, a borrower is required to pay what’s known as mortgage insurance, which protects the lender in case the borrower defaults on the loan.

Buyers may regard mortgage insurance as a nuisance expense, but it is a key reason lenders are willing to approve a mortgage for most middle-class buyers. Mortgage insurance with conventional financing is called PMI (Private Mortgage Insurance); with an FHA loan, it’s called MIP (Mortgage Insurance Premium).

With conventional financing, you have the option to make just one payment up-front for mortgage insurance (called “single premium MI”) or pay the premium monthly along with your mortgage payment.

Limited choices

According to a number of sources, if you make monthly payments with conventional financing,

the mortgage insurance is dropped automatically when you accumulate 22 percent equity in your home, based on the original purchase price.

Experts advise that borrowers with FHA loans generally have to make a monthly MIP payment, in addition to an up-front mortgage insurance payment (called UFMIP with FHA loans). Beginning June 3, the monthly MIP borrowers pay on their FHA mortgage cannot be dropped throughout the life of the loan if the down payment is less than 10 percent.

“FHA, like most mortgage insurance companies, has taken heavy losses in recent years,” said Bernie Chavira, the mortgage origination manager for Desert Schools Federal Credit Union. “I believe this has a lot to do with their recent announcement to raise insurance premiums.”

For some borrowers, an FHA loan may be necessary because it’s easier to qualify for, especially after a bankruptcy or foreclosure.

Consider your options

If your loan is through a conventional lender,

single-premium MI is your best option, advised Chantal Huff, senior loan officer at CNN Mortgage in Scottsdale.

“You don’t have to worry about a monthly payment,” she said, “and you may have the flexibility to have your lender pay it for you at a lower rate than you would pay yourself.”

Typically if a lender pays the single-premium MI for you, the quoted annual percentage rate on your loan will go up, but rarely by more than half a percentage point, she said.

The cost of singlepremium MI varies, Huff said, based on the amount and length of your loan, the percentage you put down, your credit score and your debt-to-income ratio. Ideally, this ratio will not exceed 43 percent, she said, meaning that all of your debts combined do not exceed 43 percent of your gross annual income.

Example explained

Presupposing a $200,000 conventional loan, a 720 credit score (considered “good”), a 43 percent ratio and a 5 percent down payment on a 30-year-fixed mortgage, a

Going ‘green’

Financial benefits are becoming clearer

BY JIMMY MAGAHERN AND ELISE RILEY

M

ost area homebuilders offer a variety of energy-efficiencyrelated options, from Energy Star-certified homes to programs such as Environments for Living, which certifies how much a home will cost to heat and cool.

New homes often also have an energy-efficiency score called the HERS Index, so buyers can shop for an energy-efficient home just like searching for a car that gets good gas mileage.

“I think everyone wants to do their part for the environment,” said Carl Mulac, president of Avatar Properties and chairman of the Home Builders Association of Central Arizona. “But what people are seeing now are the savings in monthly mortgage payments [FHA, Fannie Mae and Freddie Mac now offer energy-efficient mortgages, or EEMs, that help buyers leverage bigger loans], HOA fees, and of course, energy bills. When you can provide a monthly energy cost much less than the standard home, it’s real money in the pocket.”

Payback period

Green builders call it the ‘payback period’ — that

borrower would pay 2.48 percent of the purchase price up-front for mortgage insurance, Huff said. The lender’s rate would be 2.35 percent.

If the borrower opted instead to make monthly PMI payments in this scenario, the payments would amount to .067 percent of the total loan (divided by 12 annual payments), or about $111 additional each month.

The monthly payment will go away automatically, Huff said, when your equity grows — through your mortgage payments — to 22 percent of the home’s value.

Benefits of PMI

Having PMI has one benefit that most buyers are not aware of, Chavira said: the name of the mortgage insurance company is listed on your monthly mortgage statement.

If you ever fall behind in your mortgage payments, you should contact both the lender and the mortgage insurer to see if the insurer will help you work out an arrangement with the lender to avoid foreclosure.

“It’s in the best interest of the insurer to try to convince the lender to work with you on payment arrangements,” he said. “The insurer wants to mitigate any loss as much as possible.” are already seeing some benefits.

“If you do just one of them, you really won’t see much difference,” Mulac said. “But all of those things working in unison can really save you money.”

Popular programs

elusive stretch of time between any initial ‘green premium’ and the point when new-home buyers begin to see a return on their investment.

“It [payback period] is really hard to estimate,” Mulac said. “It depends upon how many features you’ve gone for.”

If the features don’t come standard with your builder, Mulac

recommends adding reflective roof sheathing and sprayed foam insulation (to keep warm or cool air in), highefficiency heating and cooling systems, Low-E spectrally selective glass windows (which reduce heat and UV rays), and rooftop solar panels. But buyers who’ve opted for a combination of the most popular green features

While many homebuyers are familiar with Energy Star, additional programs are taking that principle to the next level. For example, builders that participate in Environments for Living (EFL) guarantee the heating and cooling performance of a home. The program, established in 1997, looks at all areas of a home — from windows to ducting and everything in between — and ensures that a completed home matches the exact builder specifications for performance.

“When you take control and build it predictably with good building science and a systems approach, you end up with predictable results,” said Brad Townsend, National Building Manager for MASCO Home Services, which manages the Environments for Living program.

“Everybody talks about being green and energyefficient. We just take it one step further.”

How EFL works

An EFL-Certified home

piecemeal, with each function controlled through a separate interface. But if you have a “central brain” in your home, you can add, say, garage door operation and control of appliances — among many other functions — easily and costeffectively, he said. A central processor and some initial limited functions, such as lighting and thermostat control, would probably cost between $5,000 and $7,000, Brunen said, adding that in his opinion, it’s difficult to provide automation with scalability for less than about $5,000.

Functions, features

Brunen said additional functions that can be controlled, integrated and programmed include security, locking and unlocking doors and windows, rolling shades and blinds (both inside and outside) up or down, and managing pool controls, fireplaces, firepits, water features and misting systems.

“And I’ve never had a client say, ‘Oh, skip the lighting’ after they’ve seen how much better the right lighting at the ideal intensity can make art and furnishings look, or after they’ve experienced the convenience of being able to adjust dimmers easily and quickly,” Brunen said. In fact, lighting automation is so popular that with almost every upgrade his customers have ordered, they have included more lighting controls.

Understanding needs

To determine what a client most wants automated in the home, Brunen interviews him or her before installing any features.

“I ask which functions are most important,” he

comes with a written limited guarantee that states how much buyers should expect to annually use to heat and cool the home, as well as a comfort guarantee. MASCO guarantees the home’s performance, not the builder.

“If you (the homebuilder) build it to our program requirements and specifications, we will give the homeowner a written guarantee that if you use over X, we will reimburse the homeowner 100 percent of

said. “Do they want to be able to control all of the TVs in the house from a single control? Do they want to be able to turn the lights on while they’re driving home? None of this [technology] works well or gives the customer what they want without the qualifying process and asking questions.”

More affordable

Prices on automation systems have come down quite a bit in the past several years, according to George, who added that automation systems with “reasonable functionality” start at between $3,000 and $5,000, depending on which type of device the homeowner wants to use for the controls. For example, an iPad used to control, integrate or program functions can dramatically reduce the cost of the user interface, she noted.

Brunen agreed, and said a smartphone also can be used as a more affordable user interface.

For example, a $99 smartphone app, programmed by a home automation company, lets a homeowner easily communicate with the central processor.

Brunen believes that in about a decade, most homes will have some degree of interconnectivity.

“It will be routine to turn on your oven while you’re driving home,” he said.

“Or, you might be able to get a bath going on your way home from the office.

Plus the evolution of technology likely will make advanced automation less expensive than it is today.”

Resources iWired, Inc.: iwired.com SmartHome Solutions: mysmartmanor.com

the difference for two or three years,” Townsend said.” Townsend works with a dozen Valley builders on EFL homes.

“Today, builders are building better homes,” Townsend said. “That’s really what this is about.

Let’s put our money into improving our building components and how they are installed and the result is improved overall performance with respect to energy-efficiency, comfort, indoor air quality and value.”

whaT’s The

hers index?

think of the heRs Index, or home energy rating system, as your home’s efficiency score. the lower the number, the more energyefficient the home.

“Builders are using the heRs Index to differentiate themselves,” said daran wastchak, a home energy rater. “we have a lot of energy star builders in Phoenix, and because it’s so popular here, the builders are really selling their heRs Index.”

A home with a heRs score of 100 meets the energy code from 2006, while a home with a heRs score of zero is energy-neutral, meaning it produces as much energy as it consumes. A score of 50 means a home uses 50 percent less energy than a home built to 2006 code, and a score of 150 means a home uses 50 percent more energy than that 2006 standard. homes get lower scores by using energy-efficient lights and appliances, heating and cooling equipment, higher quality windows and proper insulation. typical Valley homes from the ‘70s and ‘80s score around 130 to 140, wastchak said. A good, new energy-efficient home built today would probably score around 70, but there are new homes in Valley neighborhoods that score in the 50s or even lower. to find out more about the heRs Index, visit resnet.us/hers-index .

Resources Environments for Living: environmentsforliving.com Environmental Protection Agency: epa.gov/greenbuilding/ RESNET: resnet.us/energy-ratings

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THE ARIZONA REPUBLIC

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l na i rig 75 O 19 e e Th inc S

Can’t Sell…..

Why Not Trade…..

NH9

. com

We have helped thousands of families trade their old house for a brand new energy efficient home valley wide since 1975! Based on equity we can buy it, sell it or rent it for three years GUARANTEED* Boston Street in downtown Chandler, circa 1940

City of Chandler

Chandler’s history:

A tale of a visionary veterinarian, irrigation engineering and cotton

BY JIMMY MAGAHERN

I

n the early 1900s, water in the desert was such a rare commodity that the Salt River Valley Water Users’ Association, the government-funded project that would eventually become SRP, allowed landowners only enough water to irrigate 160 acres — plenty for a farmer, but not enough to form a town around.

Luckily for the rest of us, Dr. Alexander John Chandler, the Arizona territory’s first veterinary surgeon and a man with an interest in irrigation engineering, had an innovative idea: buy up 18,000 acres in the fertile Salt River Valley and subdivide the land for sale to individual owners.

Land speculators

On May 17, 1912, the Canadian-born vet welcomed some 300 speculators (who’d arrived on the newly completed railroad) to check out Chandler’s vision for a unified town centered around a park, a concept he’d seen

presented at the 1893 Chicago World’s Fair. These land speculators spent an amazing $50,000 for raw real estate that day.

Dr. Chandler’s vision of a lush, agricultural oasis in the desert was a hit, and by the following year, the San Marcos Hotel, Arizona’s first golf resort, was welcoming winter visitors from the Midwest and East Coast.

Cotton was king

Farming became big business in Chandler, with cotton as king. Cotton reigned supreme in the local economy during World War I since it was in high demand for the production of rubber tires and aircraft fabrics.

It was around this time that the Goodyear Tire and Rubber Company leased 8,000 acres south of Chandler’s town limits and built a small town called Goodyear – the original Goodyear – which lasted until the early 1940s. This area is now Ocotillo.

Over 240K residents

Today, Chandler is host to over 240,000 residents with a median income of over $81,000. Downtown has been restored to a modern version of Dr. A.J. Chandler’s vision, with upscale wineries, microbreweries and professional offices preserving the aesthetics of the original plaza.

Meanwhile, the city is also home to numerous high tech innovators such as Intel, Microchip Technology and Freescale (formerly Motorola), honoring Dr. Chandler’s vision of progress and prosperity.

(See related article on Goodyear on page NH4.)

You have options because we have solutions….

Over 300 families in 2012 moved to their new home using our “Trade-In Program. ” We can buy it, sell it at a discount or lease it for 3 years Guaranteed!

Call Beth at 602-315- 8749 or visit RiderTradeInProgram.Com

Gilbert Office Number: (480) 967-9467 Surprise Office Number: (623) 505-2800 Tucson Office Number: (520) 572-5617 Website : www.presidentialpools.com

Resources

READY to BUY?

*All trade-Ins handled through Rider BuilderTrade-In Specialist, equity Buy outs must be in writing and are good for 7 days. Not everyone will Qualify.

AR-0007943462-01

GRAND OPENING! From the s $240’

Hacienda at Greer Ranch All New Floor Plans & Elevations!

As one of the top 30 builders in the U.S., award-winning Gehan Homes brings a 20-year legacy of homebuilding excellence to the Phoenix Valley. Please join us as we launch our inaugural Phoenix area community and unveil an exciting, new line-up of floor plans.

Model Home NOW OPEN

11520 North 156 Lane . Surprise, Arizona (Reems Road and Cactus Road)

Model Hours

10 am-6 pm Daily 1 pm-6 pm Fridays

gehanhomes.com Sales and Brokerage Services provided by Prime Equity Real Estate, LLC, licensed in the State of Arizona (LC644121000). Advertised prices may not include promotions, incentives, features, options, lot premiums. Proposed amenities, site and floor plans, elevations, designs, artist renderings or dimensions associated with the overall project and the units may be preliminary in nature and are subject to change without notice. Square footage and dimensions are estimated and may vary in actual construction.

Community Association fees may be required. This is not an offer to sell, or solicitation of an offer to buy, any unit in states where such solicitation cannot be made. A public report is available at the State Real Estate Department’s website. Gehan Homes of Arizona, LLC, AZ ROC # 281891. © 2013 Gehan Homes. All rights reserved.

AR-0007984011-01

1750 East Northrop Boulevard Suite #230 Chandler, AZ 85286

NMLS# 211640 State Lic #0911704 Corp Lic #0904081 Corp NMLS #3113

®

623.584.0903

Jason.Spears@Academy.cc www.AcademyMortgage.com/JasonSpears

Chandler Museum: chandlermuseum.org

San Marcos Resort: sanmarcosresort.com

Direct: (480) 442-7620 Fax: (480) 718-8382

SALES MANAGER

Downtown Chandler: downtownchandler.org

City of Chandler: chandleraz.gov

JASON SPEARS

AR-0007944475-03

NH10

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THE ARIZONA REPUBLIC

Del Webb acquires land in Dove Mountain del webb is expanding its presence in the tucson market with plans to build a new active adult community in the prestigious dove mountain master-plan.

OPEN eNrollMeNt Arizona state law allows students to apply for admission to any public school, based on available classroom space (A.R.s. § 15-816.01). the law requires that school districts develop policies regarding open enrollment that may include transportation and that the policies shall be posted on the district’s website and available to the public upon request. transportation is available for special education students.

Parents need to do their homework

BY MICHELLE TALSMA EVERSON

W

The options

Lisa Graham Keegan, former Arizona Superintendent of Public Instruction and currently an education advocate and partner in the Keegan Company, said there are several different types of school options currently available

“Educate yourself about your options; there are no shortcuts when it comes to doing your research.”

—lisa Graham Keegan, education advocate, partner in the Keegan Company, former Arizona superintendent of Public Instruction

in Arizona, including three public options: • Traditional district schools that are either assigned or participate in open enrollment • Public magnet schools (elementary, middle or high schools that specialize in a specific area of study) • Public charter schools Along with homeschooling, additional options include private schools, either religious or not.

Where to start

“The best place for parents to start is our website [azed.gov] and look at the top-rated schools,” explained Molly Edwards,

public information officer for the Arizona Department of Education (ADE).

You can also look at the Multiple Listing Service (MLS) report, ask your real estate agent, check with the county, or call the nearby school district’s main office, advised Tracey Benson, communications director for the Arizona School Boards Association.

The ADE grades individual schools and districts on an A–F scale based on where the schools or districts are now in educating students and how far they have progressed, Keegan noted.

Robson Ranch

New Villas (Models under construction) ; P@C7'C5 RC5 .'!!K 4!WW@A!KX> ,@WZ <)C &HDJ> ; /W9@ $ SWEC! VWZC> 'X <)C SWEC! .'!!K*C ; 0CC RC5 O9'G# SW7CMUX 8C>'*XC@ VWZC> ; 6X%W2 K GWZA!'ZCX<K@2 T9XG) ,W@ <5W B New Visitors*

the Grand opening of 33 Campbell Place, a new community by Rosewood homes, will take place on saturday and sunday, April 20 and 21, from 10 a.m. to 6 p.m. this intimate, gated neighborhood features 18 lots and three different plans ranging from 2,341 up to

Schools and property values

Keegan said that there is a definite relationship between great schools and property values.

“Many people say that the quality of the neighborhood dictates the quality of the school, but the opposite can hold true,” she said. “Studies have shown that quality schools can transform neighborhoods. It works both ways.”

Resources Arizona Department of Education: azed.gov

more info

delwebb.com/dovemountain or 866-210-7583

33 Campbell Place is east of 32nd street and south of Camelback Road on Campbell Avenue. more info

rosewoodhomes.com

A division of the Arizona Republic 200 e. Van Buren st.

Phoenix, AZ 85004

managing art director tRACey PhAlen tphalen@republicmedia.com

general manager CAmI KAIseR ckaiser@republicmedia.com

design sw!tCh stUdIo RmCP@switchstudio.com

manager Creative development IsAAC moyA imoya@republicmedia.com

Republic media intern nICK KostenKo advertising mIChelle mURRIettA 602-444-8208 mmurrietta@republicmedia.com for general advertising inquiries, contact Republic media at 602-444-8000.

Contributing Editor JIm wIllIAms jlwilliams@republicmedia.com

Arizona School Choice: arizonaschoolchoice.com

3,376 square feet. Base prices are from $472,990 to $564,990.

A publication created by

Editor PAUlA hUBBs Cohen Paula.Cohen@cox.net

Arizona School Boards Association: azsba.org

From the

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the community is scheduled to open in early 2014. within a day of posting a ‘coming soon’ sign on the property, del webb received nearly 100 inquiries.

Rosewood Homes Grand Opening

soURCe: Arizona school Choice, arizonaschoolchoice.com

Exclusive Resort Lifestyle for Active Adults.

Taste OF Life

Amenities in dove mountain include walking paths and miles of hiking and biking trails leading into the 3,000-acre

—whaT is iT?

New home, new school hen parents of school-age children purchase a new home, one of the first things on the family’s to-do list is often selecting where their kids will be going to school.

Especially if it’s a first child, parents can find themselves in the dark about where to go to learn more about the education options that are available to them — and something that’s equally important, how these options stack up against one another. We asked the experts for their advice; here’s the scoop:

del webb recently purchased 170 lots in the master-plan, located in the foothills of the tortolita mountains just northwest of tucson. the purchase represents the first phase of a potential 650 lots on 208 acres from Cottonwood Properties, master-developer of dove mountain.

tortolita mountain Recreational Area. the community is near the Ritz-Carlton hotel and spa, the Gallery sports Club and numerous public and semipublic golf courses. dove mountain encompasses 6,200 acres of foothills, canyons and hillside living of which del webb will be the first active adult offering in the master-plan.

$230’s

PebbleCreek

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World Class Amenities ; 3K<CE CX<@2 ; :)KZA'WX>)'A 3W!, ; :@CK<'7C ?@<> :CX<C@ ; -K!#'X* AK<)> ; /CXX'> " P'G#!CIK!! GW9@<> ; UXEWW@ AWW! ; Q9<EWW@ 5)'@!AWW! ; 4'<XC>> GCX<C@ ; 0W,<IK!! YC!E ; PC@,W@ZKXGC <)CK<C@ (PebbleCreek only)

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Each PebbleCreek & Robson Ranch home includes full access to community amenities. Amenities vary per community. Some amenities, clubs and activities not included in community service fees.

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AR-0007983967-01

Model Homes Open Daily 9am To 6pm

Robson.com Six Arizona Communities in Phoenix & Tucson

,@WZ <)C &HDJ>M+JJ> 520.426.3300 30*, .' <57!56 /:;4' # (:58+ 2- *3%$%

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*First time visitor with registration card completion - one per household age 40 or better. While supplies last. Offer expires 4/30/2013. Robson Ranch & PebbleCreek residents not eligible. Offer not valid during events. The housing at any Robson Resort Community is intended for occupancy by at least one person 55 years of age or older per unit, although the occupants of a limited number of the dwelling units may be younger. One person must be at least 40 years old in each unit. No one in permanent residence under 19 years of age. Homes at PebbleCreek are offered and sold by PebbleCreek Properties Limited Partnership, owner/agent. PebbleCreek Construction Company, general contractor, ROC190149. Homes at Robson Ranch are offered and sold by PebbleCreek Properties Limited Partnership, broker for Sun Lakes-Casa Grade Development, LLC, owner. Robson Ranch Arizona Construction Co, general contractor, ROC192584. No offer for sale or lease may be made or accepted prior to buyer’s receipt of Arizona Subdivision Public Report. A Public Report is available on the State Real Estate Department’s web site. Some amenities are not included in community service fees. . All photos/pictorials are artist’s conception. Information subject to change without notice. ©2013 Robson Communities, Inc.® 13RC141