RE-Weekly 07/28/17

RE-Weekly.com REAL REAL ESTATE ESTATE IN IN SKAGIT, SKAGIT, ISLAND ISLAND AND AND WHATCOM WHATCOM COUNTIES COUNTIES

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This Issue This Issue

FINESSING THE FINE PRINT P. 4

Q & A: Ask Our Broker P. 8

ABOUT THE NEIGHBORHOOD P. 9

Classifieds

Open House Sat., July 23rd & Sun., July 24th, 1-3 PM

RealEstate weekly RealEstate weekly

$559,950 $425,000 (360) 360-913-8662 540-5264

supplementto tothe theSkagit SkagitValley ValleyHerald heraldand andthe theAnacortes AnacortesAmerican American AAsupplement

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17123 17186CHILBERG Coho Court, AVENUE, Mount LA CONNER Vernon DALE JamieOWENBY, Yantis/ Windermere/Skagit Brown McMillen Real Valley Estate

P. 10 -11

JULY 28-Aug. 3, 2017

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FEATURE FEATURE HOME: HOME:

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Re-Weekly content sponsored by: Northwest Fine Furnishings

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TABLE OF CONTENTS

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Finessing the fine print........................... P. 4 Q & A: Ask our Broker.............................. P. 8 About the neighborhood........................ P. 9 Classifieds.........................................P. 10-11

Welcome to the Neighborhood!

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• Northwest Fine Furnishings would like to help you turn your house into a home.

• We have a unique and ever changing selection of quality home furnishings and decor at affordable prices.

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Our gift to you...

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OF ANY REGULAR PRICED MERCHANDISE.

All real estate advertised in Real Estate Weekly is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising which is in violation of the law. All persons are hereby informed that

BURLINGTON

Territory NW T

To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2016 by Skagit Publishing LLC | All rights reserved. all dwellings advertised are available on an equal opportunity basis.

For further information call HUD Toll Free at 1-800-669-9777.

All Houses subject to prior changes without notice. Neither advertisers nor Skagit Publishing are responsible for any errors in the ad copy.

Skagit Publishing reserves the right to refuse any advertising, which we deem unsuitable for our

MOUNT VERNON

320 S Burlington Blvd Burlington, WA 98233 (360) 755-9494

2025 Riverside Drive, Suite D Mount Vernon, WA 98273 (360) 755-9596 D AN TL N CA VA

OPEN HOUSE SAT. JULY 29TH 1-3PM 1805 E. HigHLand aVEnuE, Mount VErnon

$269,900

Dir: From 18th Street, East on Highland 3 BR, 2.25 BA home. Open floor plan. 2 car garage, 2 Fireplaces.

Convenient location. Built-in bar in Family Room. Huge fenced backyard. Great off-street parking. MLS #1159718

Call Elizabeth, 708-8800

publication.

Unless otherwise noted, all photographs, artwork and ad designs printed are the sole property of Skagit Publishing and may not be duplicated or reprinted without express written permission.

Skagit Publishing is not responsible for typographical or production errors or the accuracy of information provided by advertisers.

www.SkagitValleyRealEstate.com

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OPEN HOUSE SUN. JULY 30TH 1-3PM 17075 LakE ViEW BLVd, Mount VErnon $389,900 Dir: From SR mountain 9, turn on Westview Big Lake Boulevard, thenlot. immediately on Lake View Blvd.

Majestic recreational Over one acre.

Big Lake view home with 2nd lot included.

Unobstructed views.

Close proximity to hiking and outdoor adventures. Boat Open floor withRiver huge windows.

Gas stone views fireplace, launch to plan Skagit nearby. Amazing of laminate Mount & bamboo floors. Open kitchen. Jetted tub in master. Trellised deck & Baker and Mt. Sauk. large private fenced backMLS yard #1094649 with patio. MLS #1097818 Call Elizabeth, 708-8800

Mount VErnon $152,000 Unobstructed South-Southwest views of Olympic Mtns, Skagit Bay & farmlands. East side borders Little Mtn. Park. Property ready for building permit. All utilities paid for & installed to building site. Approved 3 BR septic.

MLS #743621 Call Wilma, 661-1631

LyMan $225,000 3 BR, 1 BA home. Newer hardwood floors in living room.

Newer woodstove. Wrap around porch. Fenced front yard. Covered back porch with storage building. Shop with office area next to home. MLS #1153541

BurLington $365,000 Tri-level home in Skagit Golf & Country Club. 3 BR, 2.5 BA, 1,700 SF. Fireplace in family room. Bay window in living room. Newer carpets throughout home. Mature landscaping. 2 car attached garage. MLS #1157150

Call Jim, 708-1681

Call Wilma, 661-1631

Looking for fuLL sErViCE ProPErty ManagEMEnt?

Call 708-8800 CallElizabeth, Wilma, 661-1631

Wilma Louia Designated Broker/Owner 661-1631

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Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

BurLington $684,999 Home on 1 acre. Kitchen features granite countertops & stainless steel appliances. 3 BR, 2.5 BA. Master features walk in closet, double vanity, soaking tub & more! Furnished media room w/wet bar. Fenced backyard. 3 car attached garage w/loft plus large shop. A must see! MLS #1146765 Call Wilma, 661-1631

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

sEdro-WooLLEy $754,900 Unique custom built, multi-level home with radiant heat on 1 acre. 4 BR, 3 3/4 BA, 5,000 SF. 2 dining rms, formal living rm, parlor, library. Kitchen has high end appliances & pellet stove.

Gas free standing fireplace in master feat. full bath. Home office & possible guest bedroom over garage. MLS #1075960 Call Wilma, 661-1631

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

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Call today and let our experienced staff go to work for you!

360-755-5555 Corinne Cartwright 202-2397

Laura Kaestner 441-5099

Jennifer Ohlsen 540-0717

Joe Eckerson 333-1640

Tony Zimmermann 420-0501

Traci Erickson Property Manager 755-5555

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BurLington $649,000 Home on Burlington Hill. 3 BR, 2.5 BA, 4,440 SF. Family room with wet bar. Views from nearly every room! 2 decks. 2 car attached garage. MLS #1156143

July 28, 2017

FEATURE HOME FROM COVER: 17123 CHILBERG AVENUE, LA CONNER

$559,950

Brown McMillen Real Estate 235 West Rio Vista Burlington, WA 98233 360.757.6013 www.brownmcmillen.com

Dale Owenby 360-913-8662

GORGEOUS VIEW… 3+ bedrooms, 2.5 bath home in the beautiful La Conner area. Spacious living room with vaulted ceiling, lots of natural lighting, & a beautiful gas fireplace. Kitchen has loads of cabinets, large walk in pantry, and many windows! Possible MIL unit on lower level. Great deck with view for entertaining, & even a 4-car attached garage!

Plenty of storage & room for RV parking. MUST SEE! $559,950 MLS#1134527 1633667

Karen Ashley Burlington Escrow Manager/LPO

LAND TITLE AND W ESCROW

You know that one home you dream about?

This is it.

Ltco.com Shelley Miner Anacortes Escrow Manager/LPO

Katey Von Hagel Marketing Representative

Local Professionals Serving our Community

• 111 E. George Hopper Rd Burlington Title: 360-707-2158 Escrow: 360-707-2312 1-844-878-1519

ANACORTES NEW HOME COMMUNITY – NOW OPEN! Limited to just 30 sites, 48º North homes are designed to be as unique as the views of Puget Sound you'll enjoy every single day.

• 3010 Commercial Ave Anacortes 1-800-870-8571 • 360-299-0565

Trusted Service for over 76 years

• New homes from 2,100 to 3,600 sqft • Stunning water, mountain and ferry views • Single level daylight ramblers and 2 story homes • Starting in the mid $600’s • Pre-release underway now!

Contact Rita: (360) 488-3727 or Rita@LandedGentry.com Sales office is open Wed-Sun, 12-5.

Directions: Follow I-5 N to WA-20 W/Avon Cutoff in Burlington. Take exit 230 from I-5. Continue on WA-20 W. Take WA-20 Spur W to Oakes Ave in Anacortes. *photo is not of actual view.

877.769.8070 LandedGentry.com

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Finessing the Fine Print What should buyers look for in a real estate contract?

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obody enjoys perusing dozens of pages of legalese. Every prospective buyer who’s serious about purchasing a home and who’s agreed on price with the seller eventually has to face the paperwork and sift through sheet after sheet of a real estate contract that can be complicated, confusing and tedious.

Yet it’s extremely important to review and understand. After all, when you’re about to engage in the biggest and most expensive transaction of your life, the fine print – as frustrating and fussy as it is – matters.

Which is why knowing what to expect and look for in a purchase contract and learning how to decipher key terms, clauses and contingencies is crucial, per the pros.

“Buyers need to realize that, by accepting and signing a real estate contract, they are bound to it. So buyers need to fully understand what they are getting themselves into before signing,” says Brian Pendergraft, attorney with The Pendergraft Firm, LLC, Greenbelt, Md. First-time purchasers who’ve never been through this process before aren’t the only ones who need to be pay close attention to the wording in a contract. Every would-be buyer needs to scrutinize before signing.

“These days, it’s easier than ever to sign documents online, on-the go, and even on your phone while sitting in traffic,” says Samuel Pawlitzki, Realtor with Beach Cities Real Estate in Malibu. “But a real estate contract should not be taken lightly.”

There are many essential 4

ingredients that should be included in your real estate purchase contract, such as: •N ames of both parties involved and the address of the property; • T he purchase price agreed to and the amount of the earnest money deposit (due when the contract is signed and held in escrow by a third party); •C ontingencies, including financing (your offer is contingent upon you obtaining financing at a particular interest rate); seller assistance (if you desire the seller to fund some or all of your closing costs); appraisal (often required by your lender); professional inspection (permitting you to nix the deal if the inspection reveals cost-prohibitive defects); and sale of your existing home; •C ondition of the property and what’s included with/excluded from the property (appliances and fixtures you want the seller to leave intact); •R equested closing date (typically within 30 to 60 days); and •E stimated tax prorations (property taxes the buyer is responsible for paying and/or will be reimbursed for).

“The most important terms involve the varying contingencies and clauses with deadlines attached to them for

items like financing, appraisal and home inspection,” says Cedric Stewart, Realtor with Keller Williams Capital Properties in the greater Washington D.C. area. “These can be especially dangerous if the buyer doesn’t stay on top of the deadlines. For example, in an inspection contingency, you’ll have a certain number of days to perform an inspection and submit a request for repairs, but if you miss the cutoff date, you’re stuck doing the work yourself.”

Stewart adds almost anything in a contract can be negotiated and revised by either party before it’s signed – including price adjustments, seller concessions and credits, which are often negotiated during the inspection and appraisal periods of most contracts.

Ernie Rafailides, attorney and broker with Towson, Md.-based Bayview Management, LLC, says buyers need to read the contract as if they intend to break it.

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“The contract is not about the honeymoon – it’s about the divorce.

Buyers should be reading the language that describes exactly what they’re buying, including any fixtures or attachments. They must understand what happens if they can’t honor the contract. Can the seller sue them down the road? What happens if the seller breaches? Buyers need to make sure, in the worst-case scenario, they are only losing their deposit.”

For these and countless other reasons, experts strongly recommend enlisting a real estate attorney to review your contract carefully with you, even though this is not required.

“Legally, a buyer’s agent, unless they are a lawyer, can review the contract but is not an attorney and should not be dispensing legal advice about the contract. But the agent can review and make sure the terms that were negotiated are correctly represented,” Rafailides says.

July 28, 2017

NORTH PUGET SOUND ASSOCIATION of REALTORS®

NOW COULD BE THE TIME TO SELL A NEW HOME AND EARN A SLICE OF THE REAL ESTATE PIE

Thursday August 24, 2017 Register today for the REALTOR® Charity Golf Tournament benefitting Skagit Habitat for Humanity and Friendship House.

Gold Sponsor for this year’s event is HomeStreet Bank, Silver Sponsor: BYK Construction, and the Bronze Sponsor: Thrivent Financial. Landed Gentry Realty is hosting the morning brunch, and Foothills Toyota Scion is the Hole-In-One sponsor.

IN PRINT AND ONLINE

The tournament is open to the public and all skill levels!

CALL OR EMAIL TODAY! 360.416.2180 ads@skagitads.com

Registration is $125 per person and includes golf cart (guaranteed if registered by August 18th), a steak buffet following the tournament, prizes at every hole, and more! Sign up a foursome, or a single!

To Register, or for more information, contact the North Puget Sound Association of REALTORS® at 360-416-4902

Mission Statement: The Nor th Puget Sound Association of Realtor s advocates for Realtor s and their clients, and promotes the protection of property rights.

w w w. b r o w n m c m i l l e n . c o m • 235 W. Rio Vista Avenue, Burlington

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GREAT SETTING…This 3 bdrm, 2.5 bath home is near Cranberry Lake in Anacortes. It has over 2,000 SF of living area plus 2-car garage on large lot with fully fenced backyard & alley access. $425,000 #1167701

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3 ACRE HOME BY BIG LAKE… 3 + bdrm, 2 bath home with tons of charm and character! Uniquely styled with nice views of Big Lake, plus large barn for many projects or storage! $489,000 #1164554

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Jeff Ingman Shelah Inman Jodi Dynes Fritz Inman

202-2859 661-0145 333-7783 661-0147

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CONCRETE…Looking for acreage upriver? We have just the property! 56 acres of forest land with splendid views of surrounding mtns & Skagit River. Two parcels included in this sale. $99,500 #1164981 Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

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NEWLY REBUILT CHALET…2 bd, 1.5 ba with an open upper loft. Kitchen opens to living room w/vaulted ceiling, lots of windows, & woodstove. Carport attached, deck & natural landscaping. Cute home! $280,000 #1163192 OT

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NICE WOODED PROPERTY…13.78 acres in fantastic location not far outside of Sedro Woolley city limits.

Perfect setting to build your dream home or put a new manufactured home on. $149,500 #1164901

708-8392 840-4375 770-7083 661-5538

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20 ACRES…Just outside of Sedro Woolley sits this beautiful vacant land. Lovely view of surrounding mountains. Two tax parcels are included in this sale! Don’t miss out! $89,500 #1164930

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LOCATION...LOCATION...LOCATION...Very nice 1,249 SF home with 3 bedrooms, 1.75 baths, with newer roof, hardy plank siding, plus all appliances stay! 1 bay shop behind home with alley access! $259,500 #1162606

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391-5587 661-1500 770-6013 661-4533

DREAM HOME SETTING... Full acre of level pastureland with views of mountains surrounding the Big Lake area.

Fronts on paved street has PUD water & electric available. $150,000 #927385 Tod LeHecka Jan Scally Dale Owenby

333-1032 421-5160 913-8662

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www.npsar.com

Brown McMillen Real Estate

360.757.6013 800.869.7084

Kristen Tuttle Yvonne Brown Galen Kindred Holly Hilts

Tel. (360) 416-4902

REALTOR® Charity Golf Tournament

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Mount Vernon, WA 98273

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“When sellers are interviewing real estate agents to market their homes, their primary focus is usually on the advertising that the agent will offer them,” says Jessica Goodbody of Weichert Realtors.

Let us help you meet your marketing goals by advertising your listings in print and online with RE-Weekly.com.

525 East College Way, Suite J

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www.WindermereSkagit.com RESIDENTIAL 17650 Bennett St, MV $254,900 One level home offering over 1,500 SF 1 3/4 baths, natural gas heating and free standing f/p, beautiful large lot with RV parking, attached 2 car garage, covered patio. Updated vinyl windows, roof approx 3 yrs. old. Great country location!

Call Linda Eastman, 202-4075 MLS #1130193 202 Dallas Street, MV $278,000 Great investment opportunity. Beautifully maintained spacious 3 bed, 2.5 bath Cedar Heights home near trails, parks & lakes with easy access to I-5 & shopping. Pre-listing inspection conducted, updates & maintenance completed.

Priced to sell. Don’t miss this great floor plan in desirable neighborhood!

Call Karen Peirolo, 360-348-0480 MLS #1148922

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1108 S. 18th St, MV $285,000 Great pride of ownership in this Rambler that is move-in ready! Brand new int. & ext. paint plus a lifetime Inter-lock metal roof! Light & bright floor plan lives large; tons of storage in 3 full bedrooms plus a den/ home office w/ brick wood burning fireplace. Original oak hardwood floors, gas f/p stove, nice designer lighting, huge laundry rm w/ included washer & dryer, spacious kitchen w/ modern appliances that stay! Backyard has beautiful deck overlooking grassy yard, shed & garden area. For more info visit SkagitValleyHomes.com Shawn & Tiffany Danley 360-298-4857 MLS #1161021 1315 Cleveland Ave, MV $404,844 Encircled with the charisma of an era when days were unhurried, discover this lovingly renovated vintage Craftsman bungalow. A rare treasure offering an enchanting mix of modern flair & old-world allure w/original box pattern fir floors, crown molding, wainscoting, period doors & brass knobs. Bright open living; gracious kitchen w/trey ceilings, stainless & tons of storage. Main flr bed & bath; 3 beds & bath up. Huge bsmt, great yard & detached garage; Effortless stroll to downtown & river walk.

Call Elizabeth Miller, 420-3607 or Travis Miller, 420-7291 MLS #1144609

4918 Robinwood Lane, Bow $679,900 Beautiful custom home situated on private, gated 6.25 park-like acres in desirable Bow Hill area. This gracious 3,380/sf home features covered wrap-around porch, attached 2-car garage & separate 28x36 shop. Spacious rooms, quality construction, & pride of ownership throughout this 4 bed, 2 3/4 bath home.

Huge country kitchen w/granite counters, ss appls, tile floor.

Big bonus room above garage. Lovely grounds include multiple outdoor living areas, mature landscape, trees, trails, & wildlife.

Call Megan O’Bryan, 708-5817 or Spencer Roozen, 708-0634 MLS #1120386

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7147 286th Place NW, Stanwood $419,000 Exceptional 3 bedroom 2.5 bath home in the beautiful community of Kylie Park. You’ll love the privacy this large lot offers abutting up to a greenbelt. A lg mstr suite in addition to the laundry room, den/office, utility room, full bath & 2 additional bedrooms is on the upper level. The open floor plan on the main floor has a spacious feeling w/ granite counters, stainless appliances & a gas fireplace. Completely fenced back yard, lg deck, 3 car garage. This home is ready for occupancy!

Call Linda Eastman, 202-4075 MLS #1161147 7628 Russell Rd, Concrete $599,000 Totally remodeled home on nearly 22 acres with a 3600 sq. ft. shop. Property is zoned Natural Resource Industrial so it is a great location for a business such as a staging area for construction, portable saw mill, RV Storage, mini storage, log yard, horse arena, or other uses. Good location just off Hwy 20.

Call Becky Elde, 770-9427 MLS #1113379

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13849 Trumpeter Lane, MV $650,000 Bring your horses to this gorgeous Equestrian property with a view. This nearly 5-acre parcel features a Spane built 6 stall barn, with 10-ton hay loft, tack room, covered parking area, paddocks, & large pastures. Inside this spacious 4 bed 2 bath rambler you will find a great layout for entertaining, large kitchen overlooking the 1200 SF deck, very open floor plan with fireplace, master bed with large sitting area, walk in closet, central A/C, large laundry room, & attached 2 car garage. For more info visit SkagitValleyHomes.com Shawn & Tiffany Danley 360-298-4857 MLS #1161490

3507 Friday Creek Rd, Burl $685,000 Over 5000 SF, this home has 2 separate living areas. Main level home has a kitchen, dining room, 2 living areas & a lovely view of the pool & Friday Creek. 2 large bdrms each w/bathroom. Downstairs has a separate entry, kitchen, living room, dining room, 3 bdrms & 2 baths. Easy to care for radiant heated concrete flooring on both levels. Swimming pool w/large patio overlooks Friday Creek.

Call Becky Elde, 770-9427 MLS #1110821 NE

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15061 Gibralter Rd, ANA $749,999 Incredible views from this 3 bed, 2.5 bath home in Anacortes.

2,893 SF home with 4th bedroom downstairs, large kitchen with eating space, master with jetted tub & walk in closet on main floor. Movie/family room, 2 bedrooms downstairs.

Granite, walnut hardwood floors with highlight finish. Built in vac, heat pump with A/C, 50-year roof, 2 large decks facing view, wood shop & RV parking. One of a kind home.

Call Brett Johnson, 661-3825 MLS #1164512 6268 State Route 20, ANA $750,000 Peaceful 17.5 acres in highly desirable location w/opportunities for beautiful mountain & water views. Large 2400 SF shop w/230 volt electrical service & 1440 SF covered storage area perfect for RV & more. Concrete driveway winds thru the beautifully timbered property. Well installed on property. Campbell Lake views.

Call April Axthelm, 661-4947 MLS #1066676 16708 Britt Rd, MV $995,850 Boxwood Farm is that rare combination of stately home & small acreage farm. Privately situated on fertile Skagit farmland, w/options for agricultural &/or equestrian pursuits.

Horse-ready w/paddock, fencing, loafing shed, great barn.

240 SF greenhouse. The lovely, fully-updated Williamsburg Colonial is warm, welcoming & centers on a gourmet kitchen & sunny great room. A gracious home, designed for both comfortable daily living & expansive entertaining options.

Call Megan O’Bryan, 708-5817 or Spencer Roozen, 708-0634 MLS #924351

Navigating the rental market c Windermere Property Manage We offer full-service property commitment to quality and ac Or, do you need a tenant but don’t want full-time management? Ask us about our lease only services as well!

Anacortes (360)588-6016 | Mount Vernon (36

Windermere Real Estate/Skagit Valley • 1030 East College Way • Mount Vernon • (360) 424-4901 • 1-800-849-7939

April Axthelm Balisa Koetje Becky Elde Bette Thompson Bill Krieger Brett Johnson Cory Keihn

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360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-661-3825 360-441-1760

Dave Patterson David Mani Dawn Hardman Deborah McNeal Dick Nord Don Neill Donna Rowell

360-708-5030 425-319-7091 360-540-0058 360-707-8073 360-661-6529 360-420-4444 360-708-7984

Elizabeth Miller 360-420-3607 George Bellos 360-708-9762 Geri Cole 360-391-1614 Harry Ota 360-708-3500 Hollie Del Vecchio 360-525-5538 Jake Koetje 360-466-8045 Jamie Yantis 360-540-5264

Jim Glackin Jim Koetje Karen Beckner Karen Peirolo Karine Anderson Leah Hines Linda Eastman

RE-Weekly.com

360-428-2828 360-202-2500 360-840-9455 360-348-0480 360-421-1189 360-428-3012 360-202-4075

Megan O’Bryan Nathan Loeb Nikki Ganske Rita Ingram Sarah Minton Shawn Danley Shelby Hagman

360-708-5817 360-333-7197 360-941-8999 360-708-8338 360-770-3076 360-488-3858 360-982-0163

Shelly Hanson Spencer Roozen Tahlia Honea Tasha Zahlis Tasha Zahlis Terri Heyntsen Travis Miller Warren Bingham

360-420-2565 360-708-0634 360-333-5815 360-391-5075 360-391-5075 360-391-0938 360-420-7291 360-770-2421

July 28, 2017

www.AnacortesRealEstate.com RESIDENTIAL W NE

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2111 Cascade Court, Anacortes $450,000 Forest Ridge Planned Unit Development. 3-bdr unit in well maintained private community. Views of bay and Mt Baker from windows and entertaining deck. Hardwoods throughout. Two sided gas fireplace, vaulted ceilings in living, dining and master. Master wing with large walk in closet/double sinks in master bath. Skylights. French doors to 3rd bedroom or use as your office. Plentiful storage closets.

Large unfinished storage area below unit. HOA maintained mature landscaping and RV Parking Area.

Rick Bennett 360.202.2630 MLS# 1165355

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can be overwhelming. Let ement alleviate your worry. management with a strong ccuracy.

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www.RentalsWPM.com

60)428-3012 | Sedro-Woolley (360)503-1939

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1600 Sarah Street, Mt Vernon $339,500 Super location with easy freeway access on this great 3 bedroom 2 1/2 bath home located in the desirable neighborhood of Blackburn Ridge. Close to schools, shopping and parks this home has a wonderful layout and some beautiful upgrades that include granite countertops, new hickory hardwood floors and exterior paint. This home sits on a large corner lot with easy landscaping. The 3 car garage has room for all your toys and hobbies and extra parking on the side for your RV. Rebecca Chamberlain 360.421.5021 MLS# 1155150

6035 State Route 20, Anacortes $469,000 Acreage with home and outbuilding. Beautiful park setting with 4.43 acres incs berries, fruit trees, shop, room for horse, cows, etc and space to play . 4 bedrooms, 3.5 bths, 3580 sq feet with recent updates to kitchen, bathrooms and carpet, 2 gas fp’s and great access to Whidbey Island and I 5. Close to Campbell Lake and Gibralter beaches. Home inc a huge living area downstairs that is plumbed for a MIL ste with own access. Very private. Motivated seller bring all offers.

Gina Davis 360.708.7794 MLS# 1014051

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5201 Sterling Drive, Anacortes $659,000 A very nice modern view home in Skyline. 180 degree views of the sound, marina, Olympics and islands. One level living with large daylight basement and private back yard.

Bill Robillard 360.770.4707 MLS# 1162642

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1819 10th Street, Anacortes $560,000 Beautifully remodeled 1930’s Old Town Gem. This is a must see home that features 4 bdrms, 3 bths w/ main level living at it’s finest. State of the art kitchen w/ black granite, walk in pntry, quiet close cpbrds & lg stainless sink. Master en suite w/ dual head tile shower, soaking tub & dbl vanity. Family room wired for surround sound. Home has a wood burning fireplace & mini splits for the convenience of energy efficient utility bills.

Low maintenance yard partially fenced w/ southern exposure.

Gina Davis 360.708.7794 MLS# 1089319

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4905 MacBeth Drive, Anacortes $768,000 Enjoy dramatic sunsets and marina views from this spacious, 3384 SF, Skyline view home located on large corner lot. Great home for entertaining w/ large deck overlooking the Skyline Marina, Burrows Bay, islands, and Olympic mountains. Great room concept with vaulted ceiling. Gourmet kitchen, Master suite with master bath. Generous size bedrooms & lots of storage. Kitchenette on lower level. Close to Washington Park, Skyline Marina, & Skyline amenities of clubhouse, tennis courts and beaches.

Margi Houghton 360.202.0041 MLS# 1149870

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256 Squaxin Way, La Conner $229,000 Amazing sunrises and stunning views from this well built brick home in Shelter Bay. Enter on the main level where there are two bedrooms, two baths, large living room, dining room and a deck for outdoor enjoyment. Downstairs is a huge unfinished basement just waiting for your ideas. The oversized tandem garage is large enough to hold an RV and cars as it is extra deep. This home is ready for your personal touches. Shelter Bay amenities include 2 pools, golf, tennis, beaches and more.

Rebecca Chamberlain 360.421.5021 MLS# 1158146

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2203 Oregon Avenue, Anacortes $485,000 Lovely 4 bedroom home in desirable Rock Ridge West. Vaulted ceilings, open, airy floor plan greet you upon entry. Expansive kitchen opens to informal eating area and spacious living room for ease of entertainment. Formal dining room or family room.

Master on the main. Upper loft area is perfect for office space.

Upper 3 bedrooms include large bonus room/bedroom. Close to downtown, ferries and Naval base. Enjoy the pleasures of the outdoors in the adjacent acres of City forestlands!!

Cynthia Aanestad 360.610.0120 MLS# 1108337

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2817 W 3rd Street, Anacortes $225,000 Nestled against the Cranberry Lake Forestlands and located in “The Highlands”. The Highlands is one of Anacortes’ premiere custom home neighborhoods with some of the most stunning views on Fidalgo Island. 9,056 Sqft lot has all utilities on site and is ready for your dream home.

Colleen Craig 360.770.9638 MLS#1165063

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291

Bill Robillard Bob Hyde Buzz Ely Caroline Baumann Catherine Mers ChristineCleland-McGrath

360-770-4707 360-661-0756 360-202-4626 360-202-7327 360-982-6831 360-708-0267

July 28, 2017

Cheryl Frazier Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy Donna Cunningham

360-202-4789 360-770-9638 360-202-2155 360-610-0120 360-391-2422 770-335-7513

Gina Davis Jack Dixon Jackie Stone Jeannine Reinig Jessica Notaro John Prosser

360-708-7794 360-941-5000 360-661-2247 360-724-8555 360-202-1441 360-202-3891

Kathy Rogers Kristi Gabrielse Leigh Zwicker Linda Macy

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360-941-4400 360-420-3119 360-333-9975 360-708-8284

Margi Houghton Nate Scott Paul Weisz Rebecca Chamberlain

360-202-0041 360-708-2354 360-391-7281 360-421-5021

Rick Bennett Rob Skelton Sarah Jones

360-202-2630 360-488-3776 360-333-2783 1632802

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Over and Done?

Question:

We are about to apply for a mortgage, but have several bank overdrafts on our record. How much will that hurt us?

Answer:

Bank overdrafts fall into a strange gray area when it comes to mortgage approvals. For most borrowers they’re unlikely to be an issue, but for a small percentage overdrafts can demolish a loan application.

“Most overdraft fees are paid by a small fraction of bank customers,” according to the Consumer Financial Protection Bureau (CFPB), “eight percent of customers incur nearly 75 percent of all overdraft fees.”

Fannie Mae’s underwriting guidelines say that if bank account “statements demonstrate overdraft activity, that information suggests a weakness in the borrower’s ability to meet financial obligations.

The lender must assess the significance of this information relative to the borrower’s overall credit risk.”

In other words, the loan underwriter will look at your overall application in an effort to understand your finances and credit. An iffy borrower with several overdrafts might be declined while an iffy borrower with few overdrafts or no overdrafts might get the benefit of the doubt.

The application of a strong borrower, someone with a high credit score, might sail through the application process even with a few overdrafts because they suggest little credit weakness in the context of the borrower’s overall financial picture.

There’s no hard and fast benchmark under the Fannie Mae standard.

The real question is how to make bank overdrafts a non-factor. One answer is to avoid overdrafts altogether, but in a world where deposits and withdrawals don’t always match there still remains the possibility of a negative balance. The best solution to the problem is to work with your bank or credit union to have a checking account with overdraft protection.

“Having a bank account,” explains Freddie Mac, “will help you establish and manage good credit. For example, if you opt to receive overdraft

Q& A

ASK OUR BROKER

By Peter G. Miller

protection on your account – a feature that automatically advances funds into your account to cover items that would cause a check to bounce – you’ll receive a positive tradeline for your credit report. As part of credit report terminology, a tradeline is any credit account you might have, such as a loan, credit card or mortgage.”

There is another reason to get overdraft protection: according to the CFPB, the typical payday loan is just less than $400, but the cost can be huge.

“A fee of $15 per $100,” says the CFPB, “is quite common for a storefront payday loan, and would yield an APR of 391 percent on a typical 14-day loan.”

The bottom line: Getting overdraft protection can help with mortgage applications, eliminate overdraft fees, and help borrowers avoid the dreaded costs of payday loans.

N

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About the Neighborhood 6 things to investigate about the area where your soon-to-be home is located.

1. Make wellbeing a priority

Air and water purity, pollution and noise all factor into one’s sense of physical and mental wellbeing.

Not investigating a potential home for these properties can result in dissatisfaction and lower quality of life while living at a home you’d intended to inhabit for many years to come.

vandalism? How would you feel walking to your car at night?

It’s often possible to find a great deal on a home in an up-and-coming area. “But if you’re not comfortable in your home during the time that the community takes to ‘come up,’ then it’s not worth the savings,” San Diego real estate agent Jason Cassity points out.

Location makes all the difference in home buying.

School districts, water quality and neighborhood walkability are all qualities that stem from location. Moreover, access to convenient shopping, entertainment, and healthcare can matter more than you’d think.

Here are a few of the most common quality-of-life measures homebuyers seek out and how to investigate them.

2. Access to fresh food

4. Find some green space

July 28, 2017

Another key factor to consider: the distance to the nearest grocery store. A significant portion of Americans don’t live within walking of a supermarket in so-called food deserts.

3. Check out the crime blotter

It’s also important to take a look at the safety and security of the area. Will you feel comfortable allowing your children to play in the yard? Is there a high risk for

Whether your dream home is in a crowded city or tiny town, sometimes you just need to get out of the house and sit on a patch of grass.

Finding the nearest park or public playground is an especially important consideration for families with young children.

do you want a hospital close in case of an emergency, having a general practitioner, dentist and other medical facilities in the neighborhood can be very convenient.

6. Ask for advice

Consulting with an experienced real estate agent can give you insights you may never find on your own, from community awareness to a vision for the future of your potential neighborhood.

“A good real estate agent can really add value,” Cassity says.

A good mix of investigation online, in person and via a knowledgeable real estate agent will ensure that you feel confident about your decision when you make an offer on a property.

5. Check into healthcare

Be sure to check out nearby health care providers when doing your research. Not only

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1211 n. 8th st. #2, mount Vernon

$150,000

Convenient location; easy access to I-5 and shopping. Storage room in carport. Plenty of storage. Very private feel, enjoy the city lights at night from your 6x15 covered deck overlooking wooded area. One level (second level) living area. Brick fireplace in living room. New refrigerator, washer and dryer.

Bathrooms have new vanities.

Fischer HOA dues include water/sewer Carla 360-982-0010 and garbage. MLS #1166163

600 n. reeD st., seDro wooLLey

$79,000

Spacious 3 bedroom/2 bath home on lot with creek frontage. Kitchen has open floor plan with island; lots of counter space and cupboards. Master bath has walk-in shower and a soaking tub. Heat pump to keep you warm in winter and cool in summer.

MLS#1167106 Suzanne Jenkins

360-941-2983

xxx Daisy Lane, LaKe sixteen, mount Vernon

$750,000

One of a kind lakefront property in the Pacific Northwest with approximately 1,500 feet of water frontage on a pristine trout fishing lake. Private wooded setting located on a dead end road. 2 miles to I-5. One hour to either Seattle, WA or Vancouver, BC. Permit for 10 bedroom water catchment system on file with county. PUD possible in the future as more development occurs. MLS #1105664

Danya Wolf

Carla Fischer

360-708-8294 360-982-0010

Yolanda Sakuma

360-421-0435

1 mountain View rD, mount Vernon

$45,000

15068 nooKaChamps rD.

Located just outside the MountVernon City limits, this wooded 1 acre plus lot could be a building site for a stick built, modular, or manufactured home, with plenty of room. Tract has been surveyed (LeGro and Associates) and wetlands have been delineated (Oscar Graham and Pat Bunting).

1.27 acres Priced at less than one half of property Danya Wolf tax assessment of $89,600.00 PUD water 360-708-8294 must be run in from the west; or rain water catchment system needed.

Lot 18 triLLium Lane, ConCrete

$39,000

17714 Kingfisher CoVe Lane, Big LaKe

$115,000

$898,900

Waterfronthomewith75ft.oflakefrontagewith private dock! Custom Spanish Style home w/ sweeping staircase up to luxurious master suite.

Kitchen with granite and sub-zero refrigerator; radiant heat; skylights; vaulted ceilings; surround sound; builtin vac; rec room and bonus/storage room. Fantastic views from choice of 3 decks!

Yolanda Sakuma Carla Fischer MLS #1007986 360-421-0435 360-982-0010

Lovely future building site requisite on using water catchment system to obtain building permit. Power to the property. Nicely treed level tract of land with open area ready for building in the future. Paved street. Walking distance Danya Wolf 360-708-8294 to Rasar State Park! MLS #1080761

15282 Dewey Crest Lane

$625,000

This house is awesome! One of a kind home in our community with extensive custom features. This truly unique home reflects the pride and workmanship of a true craftsman. Features include: 14’ vaulted ceilings in living room, 10’ ceilings throughout, hardwood floors, granite counters, maple cabinets, stainless appliances, custom millwork, custom blinds within view windows on south side of home, fabulous p.a. system, fully landscaped, 20+ fruit trees, blueberries, grapes, roses, duck pond, Danya Wolf 360-708-8294 fencing, shop. MLS# 1140955

23786 KamLoop Ct., mount Vernon $150,000 1802 BaKerView Ct, mount Vernon

$122,000

EaglEmont Buildable lot with power and water.

Location counts! Close to schools, golf, lakes, Dewey Beach. Midway to Oak Harbor and Anacortes for shopping, arts & entertainment, Carla Fischer medical, and ferries. MLS #1124973 360-982-0010

Large lot in Nookachamp Hills Community.

Beautiful country setting overlooks a private lake for you to enjoy. Less than 10 minute drive to the city of Mount Vernon. All utilities are stubbed Yolanda Sakuma to the lot. MLS #1059504 360-421-0435

Attractive, large lot in beautiful Eaglemont Golf Course community, close to brand new 20,000+ SF clubhouse, John Hunter dining and full fitness facilities. 360-202-3854 Complete plans for a beautiful home on this lot are negotiable. MLS #475295

Danya Wolf (owner) ....360.708.8294 Elva Hunter .................. 360.202.3086 Suzanne Jenkins ........360.941.2983 John Hunter ................. 360.202.3854 Brett Tacker ...............360.840.7931 Russ Lanker................. 360.708.1117 Sandy Everett .............360.202.3706 Shirley Bertholf ............ 360.840.1863 JoAnn Boudreau.........360.391.0746 Carla Fischer................ 360.982.0010 Celia Miller ..................360.391.6065 Yolanda Sakuma.......... 360.421.0435 Donna Kurras..............360.770.7596 Annette Johansen ....... 360.419.6711 Patricia Box (office mgr)................ 360.941.9186

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 1633743

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