RE-Weekly 08/11/17

RE-Weekly.com .com REAL REALESTATE ESTATEIN INSKAGIT, SKAGIT,ISLAND ISLANDAND ANDWHATCOM WHATCOMCOUNTIES COUNTIES

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This This Issue Issue This Issue

CASH-OUT THE RIGHT WAY P. 4

Q & A: Ask Our Broker P. 8

TIPS TO ASSEMBLE THE PERFECT HOMEBUYING TEAM rd th Open House Sat., July 23 & Sun., July 24 , 1-3 PM FEATURE HOME: SEE PAGE 3 FOR MORE

Skagit Tradition Realty Mount Vernon 17186 Coho Court, SandyYantis/ Everett Windermere/Skagit Valley Jamie

SEE PAGE $420,000 3 FOR MORE

$425,000 (360)360-202-3706 540-5264

RealEstate RealEstateweekly weekly

Classifieds P. 10 -11

AUGUST 2017 SEPTEMbER 2016 FEb. 5-11-17, FEb.9-15, 11, 2016

AAsupplement AnacortesAmerican American supplementto tothe theSkagit SkagitValley Valley herald Herald and the Anacortes 1633744

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4309 GLASGOW FEATURE HOME:WAY, ANACORTES

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Re-Weekly content sponsored by: Northwest Fine Furnishings

TABLE OF CONTENTS Cash-out the right way........................... P. 4 Q & A: Ask our Broker.............................. P. 8 Tips to assemble the perfect home-buying team ................................. P. 9 Classifieds.........................................P. 10-11

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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.

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MOUNT VERNON

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

2025 Riverside Drive, Suite D Mount Vernon, WA 98273 (360) 755-9596

www.SkagitValleyRealEstate.com

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OPEN HOUSE SAT. AUG 12TH 12-3PM QuiNNat DrivE, 807, BurLiNgtoN

$349,900

Dir: Hwy 20 go North on Garrett Rd. Left on Peterson. Left on Quinnat, home on right.

Extremely Well Built 4 Bedroom, 2.5 bath rambler with over 2,200 SF. Spacious family, living and dining rooms.True 2 car garage with RV pad.

Bayview schools with nearby drop off.Truly a gardener’s Dream with extensive plantings of herbs, veggies and fruit, serving as a natural habitat for wildlife.

Storage galore. MLS #1176063

Call Debbie, 708-8780

OPEN HOUSE SAT. AUG 12TH 1-3PM WooD roaD, 18091, BoW $499,900 Dir: North to exit 236, West onview Bow Hill, North on Hobson, on Colony, on Wood.

Majestic mountain recreational lot.EastOver oneWest acre.

5.6 acres. Large family room, spacious kitchen with eating bar, Close to hikingGen andTrans outdoor adventures.

Boat murphyproximity bed, vinyl windows. back-up Electrical system.

Sports court, covered hot tub area, barn, green views house artists studio. launch to Skagit River nearby.

Amazing of Mount Fruit Trees, with water feature, and fenced garden area and Baker andpond Mt. landscaping.

Sauk.

MLS #1094649 more. Incredible Driving range. MLS #1166023 Call Elizabeth, 708-8800

OPEN HOUSE SUN. AUG 13TH 1-3PM 104th DrivE NE, 8213, LakE StEvENS

$535,000

Dir: From Hw9, East on 84th St. NE. Turn South on 104th Dr. NE (gated community Kazillion Trail) Through gate to 8213 on left Very private home in gated community on 5 acres. Near equestrian area with trails. Over 2,500 SF with 4 BR & 2.5 BA. Master features walk in closet & large bath. Huge rec room with wood stove. Real wood floors. Great parking & room for RV parking. Beautiful landscaping. MLS #1122924

Call Elizabeth, 708-8800

SEDro-WooLLEy $19,950/EaCh BUILDER ALERT! 3 adjacent lots each sold separately in Glenhaven community. Affordable & lightly treed. Public water & electricity available in street. Community amenities available. Great fishing on Reed Lake & Cain Lake.

MLS #1012590, MLS #1012618 & MLS #1012646 Call ron, 333-1045

LyMaN $249,000 This house features old country style with enclosed large back porch. Woodstove, den/office, walkin pantry, oversize closets, lots of storage. AC. On little over a half an acre.

Garage and wood shed or what ever you want it to be.

RV parking. MLS #1172007 Call Corinne, 202-2397

LookiNg for fuLL SErviCE ProPErty MaNagEMENt?

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

Call 708-8800 CallElizabeth, Wilma, 661-1631

Call Wilma, 661-1631

Wilma Louia Designated Broker/Owner 661-1631

2

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

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

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

1648534

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

August 11, 2017

Feature Home From cover:

4309 GLASGOW WAY, ANACORTES

$420,000

Skagit tradition reality 3780 e. college Way mount vernon, Wa 360-424-0300 www.skagittraditionrealty.com

SANdY EvERETT 360-202-3706

Beautiful Water VIEW! 3 Bdrm, 2.25 Ba, tri-level in lovely Clearidge neighborhood with terraced front yard complete with large RV parking space.

Spacious home has an attached 2 car garage and large, level backyard. Back sliding door, off dining room, opens to a greenhouse patio bringing the outdoors into your living area. Open kitchen and appliances all stay! Buyer to verify lot size. mLS#1169855 $420,000 1648548

Brown McMillen Real Estate

360.757.6013 800.869.7084

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

VERY NICE…3 bedroom, 1.75 bath home with newer roof, vinyl windows, & hardy plank sliding. Limited maintenance, alley access, & a nice 24 x 30 shop wired for a 220. ALL appliances stay! $249,900 #1162606

PEACEFUL VIEW…In this quiet neighborhood sits this 3 bdrm, 1.75 bath home.

Open concept, loads of natural lighting, plenty of space, lots of storage, & raised flower beds for your gardening. Enjoy the amenities of Shelter Bay, swimming pool, club house, secluded beach, & much more! $219,950 #1154127

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EXCELLENT LOCATION…This Classic 1936 farmhouse is located on 9.44 acres. Very well maintained, gorgeous formal dining room, large brick fireplace, large garage/shop & several other outbuildings. Who wouldn’t want to live in this 4 bdrm, 1.75 bath home?! $489,500 #1139097 Kristen Tuttle Yvonne Brown Galen Kindred Holly Hilts

August 11, 2017

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Jeff Ingman Shelah Inman Jodi Dynes Fritz Inman

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

NEWLY REBUILT CHALET…2 bdrm, 1.5 bath with an open upper loft.

Kitchen open to living room w/vaulted ceiling, lots of windows, woodstove, & new flooring throughout. Loads of storage, carport attached, & even a lovely deck to enjoy the natural landscaping. $280,000 #1163192

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CENTER OF MV…close to all city amenities this 3 bdrm, 1.75 bath has so much to offer! Very well maintained, nearly 1800 SF of living area, gas frpl, family room, & large deck off rear to enjoy the beautiful, fully fenced backyard. Nice 16 x 20 detached building as well! $325,000 #1158864

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LOVELY VIEW…Gorgeous 4 bdrm, 3 bath home that is very well laid out. Granite counters, custom cabinets, & large windows to capture the surrounding views. Tons of extra storage & even two covered decks! $399,950 #1074057

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

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BEAUTIFULLY RESTORED…4 bdrm home on shy of 4 acres plus HUGE restructured barn w/loft. Just under 4,000 SF and loaded with charm, lots of space, gas fireplace, kitchen with granite, dual ovens, & two stairways! $899,000 #1083997 Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

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

MV HILL HOME…Large corner (2 lots). Original hardwood flooring, spacious living & dining space, along with a cozy fireplace.

4 bdrm, 1.5 bath, basement with lots of storage and a private backyard and patio for your enjoyment. $339,000 #1134727 Tod LeHecka Jan Scally Dale Owenby

333-1032 421-5160 913-8662

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Cash-Out the Right Way Cash-out refis are all the rage, but experts suggest caution when using the funds

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mericans like the concept of getting cash back during monetary transactions. It’s a big reason why they often use debit cards when checking out at brick and mortar stores; gravitate to websites like TopCashback and Ebates that promise cash back rewards for online purchases; and choose a cash-out refinance when they want to reset their mortgages.

New data suggest the latter option is particularly popular today. Forty-nine percent of borrowers that refinanced their properties in the first quarter of 2017 chose a cashout refi, up from 44 percent tallied in the fourth quarter of 2016, per a fresh Freddie Mac report; that represents the highest level of cash-out refis occurring since the fourth quarter of 2008.

While this activity still doesn’t best the cash-out refi peak of 89 percent observed in the third quarter of 2006, the fact that nearly half of all borrowers are deciding to pull money out during a mortgage refinance is significant, say the experts.

“These facts do not surprise me,” says Dale Robyn Siegel, 4

president of Circle Mortgage Corp. in Harrison, N.Y. “We went through a bad spell with home values and job loss for many years, and too many people were in the red. But once home values began to rise again, there was more equity in one’s home to use to cash out.”

David Ratti, branch manager for the Annapolis, Maryland office of Embrace Home Loans, agrees.

“Since 2008, this country’s homeowners have been unwinding debt that’s built up over a decade from earlier cash-out refinances,” says Ratti, explaining why cash-out refis fell out of favor over the

past few years. “Economic downturn conditions were limiting cash-out as home values dropped and credit tightened, and the fact that homeowners also clamped down on spending contributed to fewer cash-outs. But now, home prices are rising rapidly due to limited inventory.

This has caused an overall increase in values, which enables more people to cash-out again when they refinance.”

Ratti says most borrowers use the extra money they draw out during a refi for debt consolidation, home improvements, college expenses, and capital

RE-Weekly.com

purchases such as financing an automobile, boat or RV. “If you can reduce the cost of your debt, a cash-out refi can be beneficial. For example, if you have a first and second mortgage, and the latter is a variable rate loan, it may make sense to cash-out to pay off the second mortgage,” Ratti says.

Siegel says good candidates for a cash-out refi are borrowers that can find two key reasons for doing so.

“The reasons should be to lower the rate, the monthly payment, the term or overall debt – pick two,” Siegel says. “Also, the more equity you have left over after you

refinance, the better. Never go over 80 percent of the current value of your home.”

Bethany Londyn, a Keller Williams agent in Santa Monica, Calif., says cash-out refis are ideal when they save you money or gain you equity.

“But if you’re aiming to devote cash-out dollars to a home improvement project, make sure the funds are less than two times the amount of value added,” Londyn says.

Many pros also aren’t keen on recommending cash-out refis for luxury items like a boat.

“If you want to buy a boat, get a boat loan. There would be no reason to put the financial stability of the place where you live in jeopardy just to buy a luxury item,” Siegel says.

Michael Moskowitz, CPA and president of Equity Now in New York City, cautions that not all borrowers qualify for a cash-out refi.

“Some would-be home refinancers face challenges.

To get a loan now, borrowers need a higher credit score than five or 10 years ago, and they need to document income and employment much more thoroughly,” Moskowitz says.

When shopping for a mortgage refi that comes with or without cash out, be sure to compare rates, terms and fine print carefully.

“Get all information in advance and in writing in the form of a loan estimate, and don’t wait for surprises to happen at closing,” Moskowitz says.

August 11, 2017

Now could be the time to

sell a new home and earn a slice of the real estate pie.

“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 in Real Estate Weekly. weekly Call 360.416.2180 today!

RealEstate

In print and online

goskagit.com

ads@skagitads.com

NORTH PUGET SOUND ASSOCIATION of REALTORS® 525 East College Way, Suite J

Mount Vernon, WA 98273

Tel. (360) 416-4902

www.npsar.com

Karen Ashley Burlington Escrow Manager/LPO

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

Ltco.com

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.

Shelley Miner Anacortes Escrow Manager/LPO

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

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

August 11, 2017

1633647

Katey Von Hagel Marketing Representative 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.

LAND TITLE AND ESCROW W

RE-Weekly.com

Local Professionals Serving our Community

• 111 E. George Hopper Rd Burlington Title: 360-707-2158 Escrow: 360-707-2312 1-844-878-1519 • 3010 Commercial Ave Anacortes 1-800-870-8571 • 360-299-0565

Trusted Service for over 76 years 1620513

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www.WindermereSkagit.com RESIDENTIAL W NE

1222 S. 11th St, MV

!

$399,500

You know that charming Hillcrest home you’ve always wished was for sale? Well, now it is! 2,936/SF w/3 beds & 2.5 baths, & all the character you hoped it had. Oak floors in the living & dining rooms as

31459 W. Main St, Lyman $165,000 Cute home on a large lot in the heart of Lyman.

Home needs some work but with some TLC, this could be a dollhouse.

Call Becky Elde, 770-9427 or Nikki Ganske, 941-8999 MLS #1171565 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

3507 Friday Creek Rd, Burl

$685,000

Over 5,000 SF, this home has 2 separate living areas.

Main level home has a kitchen, dining room,

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

master suite upstairs w/skylights & 3/4 bath. Fully

pool w/ large patio overlooks Friday Creek.

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

MLS #1140560

Call Becky Elde, 770-9427

MLS #1110821

7800 Parker Road, SW

$687,000

Private manicured park like Estate on 9.71 acres offering over 3,300 SF of living space, open floor plan, vaulted open beamed ceiling, spacious

16441 Tree Frog Lane, Bow

$495,000

Live in this 1 bedroom newer guest house while building your “Dream Home”. An amazing 1+ acre Bow Hill property with views to Samish Bay, Islands, spectacular sunsets & beyond. Enjoy gourmet dining in nearby restaurants, hiking,

!

Creek. 2 large bdrms each w/bathroom. Downstairs

kitchen w/Sub Zero fridge, bar, & tile floor. Private

bath, huge laundry. Fenced yard. Attached garage.

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2 living areas & a lovely view of the pool & Friday

well as 2 main floor bedrooms. Sunny, updated

finished basement w/family room, office, 3/4 tiled

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kitchen with eating bar. 2 master suites one has a lanai with views of the valley & the main floor master has 2 walk in closets & jetted tub. Detached

13240 Buchanan Lane, MV

Main home has 4,225 SF w/3 beds, 2.5 baths, plus 2 offices, & huge bonus room over 3-car garage.

Gourmet kitchen w/HW floors, 2 pantries, big breakfast bar, granite, dbl oven. Great rm, wet bar, patio. Spacious master retreat w/2 w-i-c, Italian tile bath, 2nd laundry, balcony. Second 970SF house w/own address, attch’d garage, 2beds, 1.75baths,

mother-in-law studio. Full length deck for

vaulted living, covered patio. Outbldgs + 2200/SF SHOP

entertaining. Fenced pasture, barn, chicken coop,

w/3 overhead doors, ‘club house’ above.

2 large shops, covered RV parking.

Call Megan O’Bryan, 708-5817 or

Call Linda Eastman, 202-4075

MLS #1118836

Spencer Roozen, 708-0634

29148 Outlook Lane, SW

Professionally landscaped. Use seller’s building

Gorgeous, 8,400 SF mansion w/huge potential

1315 Cleveland Ave, MV $388,444 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

plans or bring your own. A convenient location for

awaits your vision. Enjoy 360 degree views of the

14805 E. Edison Rd, Bow $394,000 Mini Farm close to Bow/Edison. Huge barn with living quarters upstairs. 3 bdrm, 2 bath farmhouse with wood fireplace in the living room, large country kitchen. This property has been a migrant camp with over 10 cabins, 2 are currently occupied & apartment is occupied.

Call Becky Elde, 770-9427 MLS #1123792

this 4 bed, 2 3/4 bath home. Huge country kitchen

commuting north or south.

Call Warren Bingham, 770-2421

MLS #1153779

$699,000

valley, river, mountains & sound from your sunny perch. 5 bedrooms, 4 baths, 5 bonus rooms, plus enormous great room & a ballroom/yoga studio/ unfinished pool, & sauna creates possibilities for

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 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

a B&B, retreat, or other grand ideas! Feel nestled surrounded by woods & your organic garden & orchard. Less than 2 hours from Seattle & Vancouver. New septic & 2 working kitchens.

Call Tahlia Honea, 333-5815

MLS #1098627

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

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

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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

MLS #1172234

biking, seafood farms, State parks & exploring the town of Edison. Well & 4 bedroom septic installed.

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

$1,200,000

Two homes + SHOP! Private 5.56 view acres.

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

Elizabeth Miller George Bellos Geri Cole Harry Ota Hollie Del Vecchio Jake Koetje Jamie Yantis

360-420-3607 360-708-9762 360-391-1614 360-708-3500 360-525-5538 360-466-8045 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 Nikki Ganske Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Shelly Hanson

360-708-5817 360-941-8999 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-420-2565

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

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

August 11, 2017

www.AnacortesRealEstate.com RESIDENTIAL W NE

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NHN Wall St, Anacortes

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$89,000

Beautiful wooded bluff setting with views of Fidalgo Bay and Mount Baker. Soil tests and 3 bedroom septic design complete. Water and gas available at street along with electricity. Bring your architect and make your dreams a reality. Affordable acreage lot in a wonderful gated community.

Paul Weisz 360.391.7281

17156 Peterson Rd, Burlington

$347,500

Incredible sunrises and valley views are what you see from this conveniently located 3 bedroom 2 bath home. Beautifully remodeled inside and out. The open concept living and large windows makes this home feel so spacious, bright and cheery. Upgrades include newly remodeled kitchen, new roof, new carpet and

818 25th St, Anacortes $270,000 Charming 2-story cottage on large corner lot (duplex possibility?). Spacious open floor plan with eat-in-kitchen. Master bedroom on main floor.

2 bedrooms and bonus room upstairs. Large yard with shed. Newer hot water heater and furnace. Close to town, marina, hospital and the scenic Tommy Thompson Trail.

Catherine Mers 360.982.6831 MLS#1169889 NE

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4300 Whidbey Ct, Anacortes $625,000 Stunning views of Guemes Channel, islands & boat traffic from this quality custom home on cul-de-sac in Clearidge.

Open floor plan, main floor master suite & 2nd bedroom or office on main level. Large spacious kitchen with panoramic view. Lower level has beautiful brick fireplace, 2 bedrooms, family room & an abundance of storage, possible MIL suite.

Utility rm on each level, spacious deck, level front yard fenced rear yard. Fully landscaped 12,000+ SF yard w/sprinkler system. Easy to show.

Debbie Macy 360.391.2422 MLS#1157026

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paint throughout and just too many to mention. Home

3804 Marine Heights Wy, Anacortes

W NE

feels secluded and out in the country.

San Juan Islands & dynamic boat traffic from this easy-to-build 25,000+ sq. ft. view lot in the private Castilleja Bluff neighborhood. This small community of high-end custom view homes is positioned to appear as if nature itself had nestled them amongst the natural surrounding landscape.

Poised against a lush backdrop of protected (ACFL) forestland on two sides, this home site offers the rare combination of privacy & views.

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Colleen Criag 360.770.9638

MLS#1171988 1813 40th Ct, Anacortes $619,000 Feel the convenience of this great in town location home w/ high end finishes throughout. Gorgeous open entry straight into your living room, dining & kitchen. Cook like the chefs do w/ top of the line stainless appliances. Main level lvg complete w/ master including his & hers walk-in closets & beautiful 5 piece en-suite. Upstairs features 3 generously sized bdrms & 1 full bth. Now take a break in your amazing yard complete w/ patio, hot/cold spigot, garden, 10x21 storage shed & 3 car garage.

Gina Davis 360.708.7794 MLS#1172108

NE

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559 Jeffery Ln, Oak Harbor $335,000 Great setting, quiet street, home sits on 2 + level parked out acres and RV/boat parking. 3 bedrooms, 1 full bath 2 1/2 bths, open living concept, galley kitchen with great deck off the back. Bonus room makes a perfect office or extra living space. Metal roof, new flooring throughout and fresh exterior paint. Come take a look. It is a great home and ready for you.

Gina Davis 360.708.7794 MLS#1170575

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

August 11, 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

MLS#944613

1 A Island Crest Ln, Anacortes

$89,999

Beautiful Guemes Island view property.

Breathtaking views for miles plus amazing sunsets over Fidalgo Island & the San Juans await you from this 2+ acre property. Bring your creativity and build your dream, surrounded by acres of evergreen that can be topped off or removed for 8 Lot Rock Ridge Pkwy, Anacortes $389,000 Welcome to The Summit at Rock Ridge on coveted Fidalgo Island. Like an island above the island, Rock Ridge offers unsurpassed views of the legendary San Juans in a community of premier Strandberg homes. Capture the beauty of painters light on the water and relax in the refreshing ocean breezes.

Minutes from town and the pristine, lush forestlands.

These building lots are one-of-a kind, perched at the highest build-able point in Anacortes.

Colleen Criag 360.770.9638 MLS#1129822

an even better view. Power and cable are at the

8 Decatur Highlands, Decatur Island $139,000 Absolutely beautiful view parcel on the top of the island, with a level building site, rolling moss-covered rocks and massive fir trees. This property would make a lovely site for a 2nd home or full-time residence and has water and power at lot line and has been recently surveyed. This southwest facing hillside is very special and the views of the islands, Olympic Mtns and inland waterways are captivating. Includes access to deep-water dock, private airstrip and 10 ac waterfront park.

Sarah Jones 360.333.7322 MLS#1092585

on the back of the property and enjoy a possible

road with neighboring properties having proven wells and septic. Great potential for solar and wind energy. Guemes Island is an 8 minute ferry ride from Anacortes.

Kathy Rogers 360.941.4400

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

MLS#1105205

16 Decatur Shores I, Decatur Island

$65,000

Great price for this large, sunny Decatur Shores lot with installed septic and direct airstrip access. Build water view from the 2nd story of your home.

Property is almost an acre and has lots of room for gardening, creating a small orchard or adding a shop or hangar. Community amenities include a deep-water dock and 4000’ of waterfront. Seller Financing avail. Island is an easy water taxi ride to/from Anacortes. DSL and daily mail svc.

Sarah Jones 360.333.7322

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

$345,000

Embrace the light & beauty of the sparkling waters,

Ready to build.

has easy freeway access and is close to shopping yet Rebecca Chamberlain 360.421.5021

MLS#1096766

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

Rick Bennett Rob Skelton Sarah Jones

MLS#819331

360-202-2630 360-488-3776 360-333-2783 1647027

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Early Payoff Question:

We expect to retire in the next year to 18 months. We have a mortgage on our house and the remaining balance is about $60,000. We have the cash to pay off this debt but does it make sense to prepay the mortgage before we retire?

Answer:

While prepaying the mortgage often is an attractive idea. it may not be the best use of your funds. Prepaying the mortgage will produce several benefits.

First, your expenses will be reduced in the amount of the monthly cost for principal and interest. It can be a significant cash flow savings, but you still will need funds for property taxes, insurance and any HOA fees.

Second, with less debt your credit score can increase.

Third, with smaller monthly costs, the money saved from prepaying the mortgage can be used to reduce other debts or increase savings.

However, the real question is whether you might do better by using the money in other ways. For example, credit cards have notoriously high interest rates. If you can eliminate credit card balances – and not create new credit debt – then paying down credit cards can be a real money saver.

Car loans might seem like a good candidate for prepayment, but vehicle financing is often structured with the so-called rule of 78s, a lending approach that moves much of the interest cost toward the start of the loan term, thus reducing the benefit of prepayments.

However, paying off a car loan may be attractive if it simply results in a lower monthly cost of living.

If you have a vehicle loan financed with simple interest like an ordinary mortgage, then prepaying can be very attractive because it will result in both lower monthly costs as well as

Q& A

ASK OUR BROKER

By Peter G. Miller

the repayment of the loan without an excess interest cost.

According to the Federal Reserve Bank of New York student debt has gone from $260 billion in 2004 to $1.3 trillion at the end of 2016. Not only is student debt enormous, it can be a better prepayment target than a mortgage. Why? If you get into financial trouble and go bankrupt student loans are extremely difficult and often impossible to discharge.

Lastly, it simply may not be a good financial strategy to prepay a mortgage. For example, it’s generally easier to come up with monthly payments than to accumulate large amounts of money – $60,000 in this case. If the cost is affordable, it might be worthwhile to make monthly payments until the debt is extinguished and hang on to the cash for emergencies.

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August 11, 2017

Real Estate Experts...Unite!

Tips to assemble the perfect home-buying team Purchasing your first home represents a major life event, but you can’t do it alone. Home buying is a team sport, and you’ll only be successful with all the key players going to bat for you. Here are the pros you need on your side:

THE LENDER

First, you need to set your finances in order by selecting the right lender – this could be a mortgage broker, bank or credit union. “The financing is the most important part of the whole transaction,” says Rhonda Duffy, owner of Duffy Realty of Atlanta.

Duffy recommends speaking to several lenders and then comparing their loan proposals. “When you’re hunting the right kind of loan, you’ve got to know the questions to ask these lenders and then be able to compare what they tell you,” she says.

Once you’ve made a decision, the lender will help you determine what you can afford based on your application and credit history. Your lender will help you get pre-approved for a mortgage.

August 11, 2017

THE AGENT

The agent is there to guide you through all the complex steps of finding and purchasing a home.

“The agent’s role is to be a sounding board,” Duffy says. “To know what happens in the transaction next and to, with urgency, put those pieces into place.”

Referrals are key. Ask the home-owning friends and relatives in your town.

THE HOME INSPECTOR

Your real estate agent can generally recommend one, but it is also important to independently investigate the professionals on your team.

“For the inspector, the most important question to ask is, ‘Do you have general liability insurance?’”

Duffy says. Since the inspector works for the buyer, the buyer is ultimately liable for any damages that may occur during inspection.

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THE APPRAISER

The appraiser is a member of your team, but not one that you recruit. The appraiser is hired by the lender to assess the home’s value to make sure it’s worth what they’re offering you. The goal is to protect both you and the lender to make sure you’re not overpaying for the home.

THE CLOSING AGENT

The closing agent is the final piece of the puzzle.

This could be an escrow company or an attorney, depending on the state. Either way, the closing agent works for the buyer, seller and lender to tie up the loose ends of the transaction. The closing agent escrows funds and ensures that contracts are being followed.

“Homeownership is very valuable,” Duffy says.

“I don’t want [buyers] to be afraid of it, like they can’t accomplish it. All they have to do is apply a little bit of rational logic to an emotional process.”

9

$750,000 15068 nooKaChamps rD.

xxx Daisy Lane, LaKe sixteen, moUnt Vernon

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

20195 e. staCKpoLe rD, moUnt Vernon

Yolanda Sakuma

$115,000

$39,000 1 moUntain View rD, moUnt Vernon

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 to Rasar State Park! MLS #1080761 360-708-8294

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 tax assessment of $89,600.00 PUD water must be run in from the west; or rain water catchment system needed.

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, fencing, shop. MLS# 1140955 Danya Wolf 360-708-8294

360-421-0435

Property is across the street from 20196 Stackpole Road. Water has been obtained for livestock, from ditch. Fenced.

Open Space Farm and Ag. SUBJECT TO buyer(s) assuming Open Space Taxation.

Drainage and Irrigation District #17 and Dike District #3 over lap this area. Use of District Water is determined through application to Dike District 17.

Danya Wolf MLS#873228 360-708-8294 Lot 18 triLLiUm Lane, ConCrete

$625,000

$45,000

Danya Wolf

360-708-8294

304 n. 30th st., moUnt Vernon $2,100 per month

AL ENT

R

Like New! Owner has just finished remodel & upgrades. Efficient gas heat & hot water home features new Sandy Everett main-level laminate flooring, 360-202-3706 spacious rooms & huge deck, fenced backyard. 2 car garage, near Bakerview Park & schools. Lawn svc incl in rent.

No pets. Non-refundable $53 application/background check fee for each potential Tenant 18+ years of age.

15282 Dewey Crest Lane

$115,000

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

20251 e. staCKpoLe rD, moUnt Vernon

$215,000

Fenced for livestock. Water obtained from ditch along easterly line of prop. Prelim. work done for lot certification. Wonderful views from this farm and agricultural Open Space acreage w/ Barn/stable. Includes three tax parcel numbers: 17.42 (P16305) acres plus 2.10 acres (P16302) plus 2.01 acres (P16273) totals 21.53 acres.

Use of District Water is determined through application to Dike District 17.

Danya wolf

360-708-8294

23786 KamLoop Ct., moUnt Vernon

$150,000

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 to the lot. Yolanda Sakuma 360-421-0435 MLS #1059504

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 1648544

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August 11, 2017