1101 S BROADWAY, SANTA MARIA Commercial office space • $1,275,000
Efren Pulido, 805.598.4140 LIC# 01527179
01209580
440 RIVERVIEW DR, BUELLTON 5BD/3BA • $1,245,000
531
Delight in easy beach access at a remarkable value. Immerse yourself in coastal California’s scenery, with 3 spacious viewing decks including a rooftop. Primary suite leads to a generously-sized yard, with gate access to a beachside path. All bedrooms on the first level. Upstairs awaits an entertainer’s dream: a spacious living area with high ceilings and large windows. Don’t wait to make this stunning home yours!
Let the Sun Shine In
With the recent celebration of the summer solstice and finally some sunny days, it officially feels like summer in Santa Barbara! If the warmer temperatures have you inspired to bring sunny hues into your home, here are some ways to make quick updates on a budget:
Update your throw pillows. One of the easiest ways to alter the mood in a room is to swap out throw pillows using summer-inspired colors. Bring in lighter colors and breezy textures by adding pillows in ocean blues, lush greens, or vibrant oranges. Pack up those velvet and wool pillows for winter and instead opt for throw pillows made from lighter fabrics, like linen and cotton, to help add summer vibes.
Brighten up your outdoor space with colorful paint. Perhaps you have a tired bench in your garden? Paint it a bright blue (or really any bright color) to add life and character to a space. Don’t feel like painting? Spray paint works well, too! Or just grab some colorful pots to help add those summer hues to your space. Sprinkle in the fairy lights, make yourself an Aperol spritz, and enjoy!
THE STYLE SPECIALIST
Add scent. A few scented candles, scented in citrus, lavender, or linen, can do wonders for transporting you to an island paradise.
Add natural materials. Look around your spaces and see if there’s “heavy” materials that can be updated. Textiles, such as velvet, wool, and chenille, are generally heavier materials than linen and cotton, so consider swapping out curtains, throw blankets, or bedding using these lighter materials. Linen duvet covers and curtains in white and cream can help add a breezy feel to a room. Other materials like light wood, bamboo, and rattan not only look beautiful but also add a subtle coastal vibe. Decorative items like woven baskets, clay pots, and wooden picture frames can tie the whole look together.
Bring the outdoors in. Winter or summer, fresh plants and greenery always help add a vibrant touch
to any room. Plants enhance the visual appeal while also improving indoor air quality. My favorite (and low-maintenance) way to bring greenery to any room is by adding freshly cut eucalyptus stems in a simple vase.
I’d love to see your summer updates! Tag me on social media @vacayrentaldesign.
865 COCOPAH DR, SANTA BARBARA, CALIF. 93110 OPEN HOUSE - SATURDAY 10:00 - 4:00 & SUNDAY 11:00 - 1:00 6 BEDS | 2 BATHS | 2222± SQUARE FEET | OFFERED AT $1,799,000
Cara is excited to announce the new listing of this spacious, mid-century modern home offering the perfect blend of serene setting & convenient amenities. Nestled in the Santa Barbara foothills, this home is close to excellent schools – Hope Elementary and La Colina Jr. High – and the vibrant shopping and restaurants of La Cumbre and Upper State.
The living room is anchored by a fireplace with cathedral ceilings and light-filled windows. With 2,222 sq. ft. and 6BR/2BA there are flexible rooms for family, guests, extended family, office, and more. The spacious lot boasts fruit trees, mountain views and a gate to the community open space; while up the street there is direct access to the San Marcos Preserve and a community pool and clubhouse.
Don’t miss out on the opportunity to add personal touches and value to this contemporary home in a sought-after, central location.
“The
and 6 baths or live on two levels as a 4-bedroom 3 bath home. Either way this home is
charming as it gets with original wood floors, gracious entry with wood paneling and spectacular sunroom overlooking the verdant gardens and majestic swimming pool. Walking distance to downtown Santa Barbara’s shopping, theaters, and restaurants as well as the historic Mission and Rose Gardens. Do you love older homes? This one is special. Own a piece of Santa Barbara history.
Mortgage Loans Are Like Jenga: Let’s Play!
Welcome to my first article! I have decades in the mortgage industry and am not afraid of social media, yet it is entirely different writing an article for my community.
Mortgage lending has gone through many iterations and changes in the past decade; however, some principles remain concrete.
Let’s start here: All mortgage loans are based on four building blocks: income, assets, property, credit. While one doesn’t necessarily override the other, these all go together like a game of Jenga. And while each type of loan has its own guidelines and requirements, these four aspects must be balanced for one to obtain a residential mortgage loan.
Let’s play!
Income is perhaps the most scrutinized category. Consistency of income and expected continuity of receipt are the main factors; this is the money that is coming in each month to pay the mortgage that is going out each month. For folks that work for a company, this can simply mean looking at your wages. If we work overtime, get bonuses, or earn commission, the variability needs to be addressed. If you work more than one job, you’ll likely need to show that you’ve done so for two years.
Self-employed applicants typically need two years
of tax returns at a similar level of income. Thankfully, it is understood that self-employed individuals sometimes get tax write-offs that W-2 folks cannot. Alternative qualifications involve using business bank statements, personal bank statements, or perhaps even a profit and loss statement.
Then there’s passive income, partnerships, and pass-through. Income nuances are as varied as your life story. Keep in mind that the more creative things need to be, the higher the price tag could be for repayment.
When we are referencing assets, we’re primarily looking for liquidity. This means money that you can access relatively easily. When it comes to assets for loans, if it’s hard to track or access, it is probably hard to use for qualifying.
And just how much money does a lender look for? Well, different programs require verifications of the down payment, closing costs, as well as reserves. Think of “reserves” as cash you have on-hand after closing.
With big purple cows tap-dancing across screens advertising quick “pickups” in your credit score, one would think that those three digits are the most important factors of credit. Sorry, folks, but this is certainly not the case. There are actually three algo-
rithms per credit bureau, and three credit bureaus. This means there are 21 possible scores out there, and each type of creditor typically uses a different variation than another. What you see on an app isn’t necessarily what your lender will use.
Credit and liabilities are not simply your credit score, but the depth of credit, frequency of payments, and sometimes even things that may not even show up on the actual report. Obligations such as childcare, child support, alimony, or IRS/ tax liability payments may need to be taken into account.
For property, the main scrutiny will be on the property that is being financed. If you own more than this property, or have inherited property, be prepared for additional questions and verifications.
Jenga is indeed an apt reference. The regulated, nuanced, building blocks of a mortgage loan are played out by the decisions and circumstances of your life. How we put them together equates to your loan.
My goal is to help folks understand and be able to utilize the nuances of lending in their life. Housing stability and wealth through real estate are passions of mine. Thanks for reading, and see you next month!
by Austin Lampson
THE MORTGAGE MINUTE
1586 SAN LEANDRO LANE | Offered at $8,950,000
7373 SHEPARD MESA ROAD | Offered at $6,495,000
OPEN HOUSES
Goleta
340 N. Fairview #2, 3BD, 2BA, Sat & Sun 12-3, $899,000, Village Properties, Curtis Swan 805-607-9709, DRE#02049218
435 Pacific Oaks Road, 5BD, 3BA, Sat 12-2 & Sun 12-3, $1,895,000, Village Properties, Justin Corrado / Spencer Cole 805451-9969 / 805-6896673, DRE#01356799 / #02115510
3512 Madrona Drive, 3BD, 2.5BA, Sun 1-4, $2,099,000, Berkshire Hathaway HomeServices California Properties, Ty Whelehan 805-471-0993, DRE#01846603
828 San Roque Road, 5BD, 5BA, Sat 1-4 & Sun 12-3, $3,895,000, Radius Group Commercial Real Estate, Don Katich 805-708-7824, DRE#01321837
The Mesa
922 Fellowship Road, 4BD, 3BA, Sat & Sun 2-4, $2,495,000, Village Properties, Scott Tisdale 805-722-8582, DRE#01729503
Mission Canyon
917 Cheltenham, 4BD, 4BA, Sun 2-4, $2,550,000, Village Properties, Kathy Henry 805-637-4400, DRE#01403548
The Riviera
1568 Franceschi Road, 4BD, 3.5BA, Sun 1-3, $5,595,000, Sotheby’s International Realty, Maureen McDermut 805570-5545, DRE#01175027
Santa Barbara
Saturday 7/6 & Sunday 7/7
3736 State Street #217, 2BD, 2BA, Sat & Sun 1-3, $1,750,000, Berkshire Hathaway HomeServices California Properties, Yolanda Van Wingerden 805-5704965, DRE#01308141
414 West Victoria Street, 5BD, 3BA, Sat 12:30-3 & Sun 12-3, $1,795,000, Sotheby’s International Realty, Luis D Martinez 805-6895656, DRE#02090082
3973 Maricopa Drive, 4BD, 3BA, Sat 12-3 & Sun 1-4, $1,800,000, Village Properties, John A. Sener 805-331-7402, DRE#00978392
4477 Shadow Hills Drive S Apt B, 3BD, 2BA, Sat & Sun 1-4, $1,895,000, Berkshire Hathaway HomeServices California Properties, Deborah Samuel 805-570-6680, DRE#02119798
5243 San Simeon Drive, 4BD, 3BA, Sun 1-4, $1,895,000, Berkshire Hathaway HomeServices California Properties, Todd McChesney 805-291-7902, DRE#00864365
533 Conejo Road, 3BD, 3BA, Sun 2-4, $2,097,000, Berkshire Hathaway HomeServices California Properties, Robert Kemp 805-2596318, DRE#01246412
4943 Yaple Dr, 6BD, 5BA, Sun 1-4, $2,100,000, Berkshire Hathaway HomeServices California Properties, Rachel Brown 805-570-7260, DRE#01950975
2827-2829 Serena Rd, 4BD, 2BA, Sat & Sun 1-3, $2,399,000, Berkshire Hathaway HomeServices California Properties, Marsha Kotlyar 805-5654014, DRE#01426886
1401 La Cima Road, 5BD, 3.5BA, Sun 2-5, $3,478,000, Sotheby’s International Realty, Scott McCosker 805-451-1721, DRE#00494253
1234 Plaza Del Monte, 4BD, 3BA, Sat 2-4 & Sun 11-2, $3,595,000, Berkshire Hathaway HomeServices California Properties, Vanessa Shotwell / Katya Sheets 805448-5307 / 805-7082323, DRE#02071607 / #02061444
1850 Gibraltar Road, 4BD, 4BA, Sat 2-5, $4,995,000, Village Properties, Tim Walsh and Mike Dickman 805259-8808 / 805-6893355, DRE#09914713 / #02093312
1121 Las Alturas Rd, 5BD, 5BA, Sat 1-4 & Sun 1-3, $5,000,000, Berkshire Hathaway HomeServices California Properties, Marsha Kotlyar 805-565-4014, DRE#01426886
1240 Via Brigitte, 4 BD, 5BA, Sun 1-3, $5,995,000, Berkshire Hathaway HomeServices California Properties, Marsha Kotlyar 805-5654014, DRE#01426886
Montecito
751 Skyview, 4BD, 3BA, Sat 11-1, $3,290,000, Berkshire Hathaway HomeServices California Properties, Robert Kemp 805-259-6318, DRE#01246412
1530 Miramar Lane, 4BD, 4BA, Sat & Sun 2-4, $5,995,000, Berkshire Hathaway HomeServices California Properties, Katya Sheets / Katinka Goertz 805708-2323 / 805-7089616, DRE#02061444 / #01871645
2775 Sycamore Canyon Road, 4BD, 3BA, Sat & Sun 10-1, $6,299,000, Village Properties, Katie Mohun 805-705-5144, DRE#02047418
Summerland
2521 Banner Ave, 4BD, 4BA, Sat 1-3, $2,750,000, Berkshire Hathaway HomeServices California Properties, J.J. Gobbell 805-403-5785, DRE#02063124
Carpinteria
3375 Foothill Road #412, 1BD, 1BA, Sat 10-11, $699,000, Sotheby’s International Realty, The Montecito Group 805-451-4999, DRE#01957054 1281-2 Franciscan Court, 3BD, 2BA, Sun 1-4, $895,000, Village Properties, Ryan Kell 805-220-0848, DRE#02224217
3375 Foothill Road #634, 2BD, 2BA, Sat 12-2, $1,099,000, Berkshire Hathaway HomeServices California Properties, Sharon Jordano 805-2802055, DRE#02195847
Realtors: submit your open house listings at INDEPENDENT.COM/ OPENHOUSESUBMISSIONS
$25 PER LISTING OR FREE FOR INDEPENDENT ADVERTISERS
Email: openhouses@independent.com with questions
For sale for only the 2nd time in ~80 years, this iconic 1888 Santa Barbara residence has been elegantly enhanced and expanded for today’s living. The stately grounds feature a spectacular signature oak tree adding beauty and presence, while the house is set back from and above the street for privacy and quiet. The home’s layout combines traditional high-ceiling common rooms on the entry-level leading to a spacious newer kitchen and family room. The primary bedroom is also conveniently on the entry level, and has been expanded into a modern-sized suite. The 0.58-acre estate offers multiple outdoor areas for entertaining, dining and relaxation, including a large rear deck, roof terrace and several manicured garden spaces. A detached 3-car garage has been newly rebuilt with a full 1-bedroom ADU above. As the initial estate property at the gateway to the prestigious Upper East, a new owner will be only 4-6 blocks to downtown Santa Barbara’s fine dining, theaters, museums and parks. Come tour this amazing property and home in an A+ location. 1730 ANACAPA STREET | SANTA BARBARA $4,750,000
Kenwood Road
SOARING OVER HENDRY’S BEACH
2bed/2bath (easy modification to a 3 bedroom) single-level home with mountain and city views. Enjoy the with vaulted ceilings, an updated kitchen, living room fireplace, and dual-pane windows/sliders. The features a stainless steel Viking stove and dishwasher. The second bedroom is over-sized, as it was previously The spacious backyard features a large deck and natural landscaping. This backyard is ready to be transparadise. There is plenty of room for lawn, fruit trees, jungle-gym, trampoline, and more. Towering over a gorgeous oak tree providing wonderful shade over the deck. This home is located on a very quiet, tucked away cul-de-sac at the end of Kenwood Road. Attached 2-car garage with interior access.
privacy on this fabulous Montecito estate. Resting at the property is a charming Craftsman style home circa 1912. Today, it modern amenities, and still charm. Located in MUS.
Prestigious location | 180 Degree views | 1.28 acre lot
Rare ocean front estate on the Mesa! This spectacular 4bed/4.5bath ultra-luxury property boasts ~5,100+ sq. ft. of living space resting on over 1/2 acre of prime California coastline. Enjoy unparalleled ocean views from every corner of this contemporary home. Must see in person!
OFFERED AT $6,495,000
OFFERED AT $998,500
1/2 acre ocean front lot! This is a once in a life time opportunity to purchase a vacant piece of ocean front property located in one of Santa Barbara’s most desirable neighborhoods. Build your dream home to the exact specifications that you desire. Panoramic ocean views! The Richardson Team
Mike and Kyle Richardson Team@mrrealtors.com 805.963.1704
Mike and Kyle Richardson Team@mrrealtors.com
805.963.1704
www.mrrealtors.com
www.sbrealtor.com
DRE Lic. #00635254 + #01902531
BRE Lic. #00635254 + #01902531
NEWLY LISTED: 406 VIA ROSA UNIT C, SANTA BARBARA
This beautifully renovated 2-bedroom, 1.5-bathroom condo is located within the desired Hope School District. The property offers numerous upgrades, including a brand-new kitchen equipped with modern appliances, custom cabinetry, quartz countertops, and a stylish banquette seating area. The property also benefits from new windows and doors, renovated bathrooms, wide plank oak flooring, updated lighting, new window coverings, a new furnace, and fresh paint throughout. Additional amenities include two assigned parking spots and an in-unit laundry room. Outside, the charming backyard opens to a park-like greenbelt shaded by mature trees. The condo offers convenient access to Los Robles Park, tennis courts, Hope School, restaurants, shops, and Upper State Street.
OFFERED AT $995,000 | 406VIAROSAUNITC.COM
Ensemble Theatre Celebrates Santa Barbara at Fundraiser
On June 23 at its annual Curtain Up! fundraiser, Ensemble Theatre Company (ETC) brilliantly celebrated some of Santa Barbara’s legendary musical talent in a show featuring iconic songs from Kenny Loggins, Michael McDonald, Katy Perry, The Beach Boys, Jackson Browne, and more. The talented singers performing were Jackson Gillies, Lois Mahalia, Miriam Dance, and Morganfield Burnett.
Executive Director Scott DeVine, who hatched the idea, saw it as an extension of ETC’s broader theme for next season of Legends and Legacies to celebrate music written by Santa Barbarians and performed by “amazingly talented artists who call Santa Barbara home.” The show also included highlights from next season’s productions of Gershwin and Million Dollar Quartet. The show was a full multimedia experience, with images of iconic Santa Barbara locales on a giant backdrop thoughtfully paired with each song.
The show quite fittingly kicked off with Kenny Loggins’s and Bob James’s “Celebrate Me Home.” Loggins, a resident, is also a longtime friend of show director Jenny Sullivan and has been a mentor to Jackson Gillies. Other featured songwriters also had strong ties not only to Santa Barbara, but also to the singers and musicians performing.
According to Sullivan, who has directed 14 plays for ETC and previous Curtain Up! events, once the singers and band members were chosen, the music picked itself. For example, with Lois Mahalia and Miriam Dance on stage, Sullivan settled quickly on the Beach Boys’ “Good Vibrations” and paired it with images of various Santa Barbara beach scenes projected on the backdrop. With these two singers, Sullivan related, she also knew including Katy Perry’s “Roar” would be fun.
Earth Day was memorialized with Loggins’s “Conviction of the Heart” set to black-and-white photos from Santa Barbara’s first Earth Day.
The show began with a backdrop designed by the Ukrainian immigrant artist Alexandra Shurun, which
Boardmember Jon Kechejian, Event Committee Co-Chair Helene Segal, and Boardmember and Event Committee Co-Chair George Konstantinow
showcased myriad Santa Barbara organizations. This component was added, Sullivan shared, because of all the anniversaries this year, including The Granada Theatre (100 years), The Lobero Theatre (100 years since rebuilding) and Summer Solstice (50 years).
After the show, the 140 guests enjoyed a cocktail hour in the garden at the Santa Barbara Club, followed by dinner.
During the short program and in an interview, DeVine shared some of ETC’s recent marks of success. This past season, audience attendance reached a record level, surpassing its pre-pandemic high. Annual growth in subscriptions was at 12 percent, while single ticket purchases were up 29 percent and earned income reached a record level.
DeVine credits these successes in part to the strategic investments ETC has made in staff and artistic compensation. “The decision to invest in the people who make and support the art on our stage has made a significant difference in our productions, which is evidenced by the feedback I am hearing from audience members and the accolades and awards we are receiving from the Santa Barbara and Southern California community.”
Awards for this last season include this publication’s Indy Award for Bringing High Level Theater to Santa
ETC recently joined the League of Resident Theatres, making it, according to DeVine, “one of 81 of the most prestigious theaters in the country,” alongside the Manhattan Theatre Club, the Lincoln Center Theater, and the Pasadena Playhouse.
DeVine is excited about next season’s Dracula: A Comedy of Terrors, for which ETC recently held auditions in L.A., where more than 2,000 actors applied. Those cast, according to DeVine, “will make this a very sexy and funny take on the traditional Dracula story.” ETC is also already preparing for Million Dollar Quartet, which follows last year’s success of Ring of Fire, with “one of the greatest jam sessions ever.” Actor LJ Benet will be back, this time as Elvis.
The fundraising event, which netted $250,000, featured Music Director/Arranger John Enrico Douglas, Talent Coordinator Randy Tico, and musicians George Friedenthal, Austin Beede, Tariqh Akoni, Maitland Ward, and Justin Claveria. Ticket sales cover only about half of ETC’s expenses, making fundraising essential.
SOCIETY MATTERS Text and photos by Gail Arnold
Barbara for the production of The Lehman Trilogy. ETC won the Hollywood Branch of the NAACP Awards both for Best Equity Ensemble and Best Equity Producer for Carmen Jones.
Jackson Gillies, Lois Mahalia, and Miriam Dance perform.
Artistic Associate and Director of Education Brian McDonald, Executive Director Scott DeVine, and Board President Robert Turbin
Actor Troy Blendell, Director Jenny Sullivan, and Actor Leo Marks
2-4PM
A surprising treasure on Santa Barbara’s Lower Riviera, 967 Garcia Road provides a rare combination of unobstructed ocean and city views, entry-level easy living for all of the main rooms, and a magical over-sized gently-sloping backyard offering every possibility of entertaining, gardening and relaxation. The nearly 1/3-acre parcel is well-positioned to maximize views with the house at the top, while leaving most of the property as a private oasis of tranquil pathways and all-usable landscaped yard space, almost impossible to find of this size on the Riviera. Plenty of room to add a pool and still have a substantial area for gardens. Ready for a new owner’s thoughtful enhancements, the storybook 1940’s residence features 3 bedrooms and office on the entry level, plus a separate-entry living quarters on a lower level. Convenient close-in location just 3 blocks to the Santa Barbara Bowl and 10 blocks to downtown. 967 GARCIA ROAD | SANTA BARBARA $3,195,000 4
Sarah Sinclair brings you the inside scoop on real estate in The Home Page. Come along as she takes a peek behind the doors of grand estates, tiny houses, and everything in between. Enjoy style secrets, garden gossip, industry insights, and more in your inbox each Sunday. Sign up at independent.com/newsletters The Home Page independent.com/news
Berkshire Hathaway HomeServices California Properties is pleased to congratulate Patrice Serrani on the successful representation of the seller at 75 Conejo Road. Listed for $3,250,000.
PATRICE SERRANI REALTOR® 805-637-5112 Patrice@PatriceSerrani.com PatriceSerrani.com DRE # 01764713
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Welcome to 2720 El Prado, nestled in the sought-after neighborhood of Samarkand. This remodeled 2,129-SF residence boasts 3 bedrooms, a niche office, 4 bathrooms, and a Junior ADU that can be used as a 4th bedroom, entertainment room, or secondary living unit for visiting friends. A unique offering of this home is something you rarely find in Santa Barbara, a 1,020-SF detached garage/workshop, providing ample space for car storage or creative endeavors. The home sits on an expansive lot with stunning views of St. Anthonys Seminary from the living room and kitchen. As you walk through the door, you'll encounter a seamless fusion of modern elegance and enduring design, culminating in a stylish and inviting living space for all to enjoy.
Here is your chance to acquire a renovated home in a superb location just a short walk away from Handlebar Coffee, Los Agaves, and Trader Joe's.
