Real Estate Weekly | May 27, 2016

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

INSIDE RE-Weekly This Issue

HOMEOWNERSHIP SEEN AS A LITTLE LESS EXCITING COME TAX DAY P. 4 Q & A: ASK OUR BROKER P. 5 SMART WAYS TO USE A REVERSE MORTGAGE P. 8 OPEN HOUSE Saturday, May 28th 1-3 pm FEATURE HOME: 24078 OLD DAY CREEK ROAD, SEDROWOOLLEY Laura Kaestner, RE/MAX Territory NW

RealEstate weekly

SEE PAGE 3 FOR MORE

$265,000 (360) 441-5099

A supplement to the Skagit Valley Herald and the Anacortes American

CLASSIFIEDS P. 1011

MAR. 27  JUNE. 2, 2016

Re-Weekly content sponsored by: Northwest Fine Furnishings

TABLE OF CONTENTS

PAGE

9

Homeownership Seen as a Little

Narrow end tables Love seats Wedge tables Storage beds Italian marble coasters with local charts & maps on them.

New items come in every few days so come in often! (*Ask about our New Homeowner package*)

Less Exciting Come Tax Day

P. 4

Q & A: Ask Our Broker

P. 8

Smart Ways to Use a Reverse Mortgage

P. 9

Classifieds

P. 10-11

RE-Weekly.com SKAGIT PUBLISHING

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

Mon-Sat 9:30 - 5:30 pm • Sun 11 - 4 pm (360) 424-8455 • www.nwff.com 919 Riverside Drive, Mount Vernon

Territory NW

OPEN HOUSE SAT. MAY 28TH 1-3PM 24078 Old Day Creek Road, Sedro-Woolley $265,000 Dir: I-5 exit 230, East on Hwy 20, turn Right on Hwy 9 toward Clear Lake and turn Left onto Old Day Creek Rd. Home on the Right. Very cute 3 BR, 1.75 BA home on 1 acre. Incredible lake & mountain views. New flooring & fresh interior paint. 1264 SF main living floor. 1264 SF unfinished basement/garage plumbed for a BA. Convenient boat launch around the corner. MLS #946579 Call Laura, 441-5099

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Wilma Louia Designated Broker/Owner 661-1631

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Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

W NE

OPEN HOUSE SAT. MAY 28TH 10-1PM 34287 North Shore Drive, Mount Vernon $559,000 Dir: Hwy 9 to Lake Cavanaugh Road approx. 10 miles, stay left on North Shore Drive to home on left. Spacious 3 story craftsman style home on .98 acre. Incredible views of lake and mountains. Custom wood & cabinetry work.

Granite counters & island; stainless steel appliances.

Finished heated basement. MLS #949163 Call Ron, 333-1045

W NE

Mount Vernon $315,000 Very private South Mount Vernon home on 1 acre. 4 BR, 2.5 BA. Living rm, Family rm and bonus rm. Deck & covered outdoor bar off family rm. Several outbuildings. Fruit trees, gardening area & lots of parking. 4 gas fireplaces.

Old fir floors in original portion of home. MLS #939645 Call Kirk, 770-7470

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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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Sedro-Woolley $110,000 Incredible lake & mountain views from this 1-acre parcel.

PUD water available. Soil work for septic complete.

Adjacent home & another adjacent 1-acre parcel also for sale: P118050 & P118052. MLS #947454 Call Laura, 441-5099

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W NE

Sedro-Woolley $110,000 Awesome 1-acre parcel w/fantastic lake & mountain views. PUD water available. Soil work for septic complete. Adjacent home & another adjacent 1-acre parcel also for sale: P118050 & P118051. MLS #947407 Call Laura, 441-5099

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Mount Vernon $329,900 3 BR, 2.5 BA w/over 2500 SF. Hardwood flooring, granite countertops & stainless steel appliances. Gas fireplace.

Master bath with tiled shower & soaking tub. Beautifully landscaped large lot with fruit trees & garden space. Located on a dead end cul-de-sac in a convenient location.

Call Debbie, 708-8780

Kirk Campbell 770-7470

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

Go to our website for a quick and easy way to search all listings!

320 S Burlington Blvd • Burlington (360) 755-9494 • (800) 775-0153

W NE

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.

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Mike Welling 540-1341

Sedro-Woolley $275,000 4 BR, 2.5 BA. Excellent floor plan. Master BR features large 5-piece master bath w/jetted tub & walk-in closet Attached 2 car garage. Great yard for entertaining. Golf course and mountain views. See it soon! MLS #948860 Call Elizabeth, 708-8800

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Mount Vernon $454,000 Beautiful Victorian farmhouse. On shy 1 acre – West MV. Completely upgraded & restored in ‘06. 4 BR, 1 ¾ baths, 2366 + sq ft. Beautiful fir floors thru-out. Detached shop/ shed w/stable & 2 stalls. MLS #838502 Call Charlie, 708-1415 or Jeannie, 708-9645

Ivana Wood 770-3550

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Debbie Benjamin 708-8780

RE-Weekly.com

Mount Vernon $559,950 This is lake living! 60 feet of water frontage. Large 3 BR, 2.75 BA house. In floor heating thru-out. Central vacuuming, security system, AC & more. Huge 3 car garage w/11 foot doors. MLS #770016 Call Corinne, 202-2397

Corinne Cartwright 202-2397

Maggie deSouza 610-8413

Ayla Contois 610-1652

Jennifer Baker 220-1526

Mount Vernon $1,000,000 Beautifully restored 1900’s home. 4 BR, 3+ BA, 3882 sq. ft. Equestrian property on shy 4 acres. Huge barn w/$250+K improvements. Covered parking for 10 vehicles. Desirable W. Mount Vernon area. MLS #902523 Call Charlie, 708-1415 or Jeannie, 708-9645

Willa Gilquist 253-318-6131

Luara Kaestner 441-5099

Traci Erickson Property Manager 755-5555

May 27, 2016

AMERICAN DREAM REAL ESTATE SERVICES, INC. Townhouse style duplex #909624 • $244,999

For Lease- Light Industrial #887349 • $3,400

Rare piece of property on Marine Dr. w/filtered views! 3BR/3BA home situated in a park like setting.

Access to Alexander Beach & Moor-age access!

Fully landscape w/fire pit & plenty of room to play.

RV Parking/Boats. Mini workout gym. 2 decks to enjoy beautiful Northwest Sunsets. Price includes a build-able second lot P82564 to build second dream home or huge shop or what ever your heart desires.

Very 2003 nice townhouse style duplex in the heart of Burlington. Both units feature main floor living room open to tile countered kitchen with free standing gas stove and 1/2 bath & skylights. Upper level features 2 large bedrooms with laminate floors full bath and stack washer dryers.

For Lease- 6600sqft free standing Prime Light Industrial building. Property is just of I-5 at Anderson Rd. Approximately 2200 sqft feet of air conditioned finished office, storage & bath. Wired for phone system and Internet service, Fiber optic & T-1 available also. Ware house features 8 roll up doors (4 drive through) and 1 dock high door as well as office space and rest room. Ample parking and great location!

Open Office/Retail space 3,400 sqft • $2,600

Outstanding Investment #931853 • $325,000

Private yard w/deck #913798 • $259,900

Outstanding Investment in Mt Vernon! 6 Units-1-2 Bedroom-5-1 Bedrooms. Always rented. 2 units are new additions in the last 48 months. All units have been updated in the last several years. Possible room for a garage addition 1 cap! Do not wait on this excellent turn key money maker?

Peaceful setting this 3 BR, 2 BA home offers 1 level living w/spacious, living rm w/gas fireplace, kitchen w/eating space, dining rm & utility rm. Private yard w/deck, tranquil waterfall, greenhouse, garden space, several outbuildings for storage, covered RV pkg, separate building w/half bath was used as office, but has potential for MIL unit. Newly installed electrical panel. Root cellar & room for toys on .34 acre. Easy I-5 access, in Boeing Bubble!

Park like setting

#935783 • $650,000

Space is composed of 2600 sqft of ground floor Office/Retail open retail space w/high ceilings large counter/service area that offers a multitude of uses and ready to configure to fit as well as a 900 sqft 2nd floor office/conference/banquet storage room with private bath. Ample parking and easy access! Perfect for office, store, restaurant or service business. Lease price of $.76 sqft + NNN estimated at $.56 sqft per month.

FEATURE HOME FROM COVER: 24078 OLD DAY CREEK ROAD, SEDROWOOLLEY RE/MAX Territory NW 320 S. Burlington Blvd.

Burlington, WA 360.755.9494 www.skagitvalleyrealestate.com

Anacortes Office

Mount Vernon Office

2788 E College Way Mount Vernon, WA 360-416-6500 • adrskagit.com

www.adrhomes.net

Like American Dream Real Estate Mount Vernon

OPEN HOUSE Saturday, May 28th 1-3 pm

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

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CLOSE TO SERVICES..over 8 ac., mostly wooded. Lg open kitchen & living room area, 3 Br., 3 Ba. LG outbuildings & needs TLC, good value, great area. $445.00 #911614

SAMISH ISLAND..Spacious 3BR, 2BTH Rambler sur- OPEN HOUSE • SAT. MAY 28TH 12:00-3:00 rounded by lush landscaping on over 1 acre w/nice privacy. Large garage/shop for your toys. MLS#945934 PRIVATE 1 ACRE SETTING..w/spacious home, shop, $349,500 newer kitchen & wrap around porch. $585,000. #891540

LOVELY 17 ACRES..of gently rolling pasture land near Big Lake. Great view of Mount Baker and has public water available. $219,500. #940595 GREAT FOR HORSES..20 ares with 10 acres in pasture & nice westerly views near Alger. Includes well, electricity & paved access road. $208,500. #893754 5 ACRE VIEW LOT.. on Bayview Ridge..beautiful westerly views of farmland, islands & bay. Great neighborhood w/established homes,close to I-5. $349,000. #905050 BURLINGTON LOT..zoned general commercial. Perfect site for clinic or any professional use, sewer & water.

Survey & elevations complete. $415,000 .

WELL DESIGNED..lg home in country setting on over 1 ac.. Floor plan features a country kitchen, mstr suite w/ soaking tub & f/place, exercise rm overlooking lg yard & extensive deck. #917178 $485,000.

SKYLINE ONE LEVEL CONDO..2 Br, 2 Ba, laundry area, spacious living room open to kitchen & dining area.

Private patio & single car garage. Convenient to trails, beaches . $185,000. #927486 LAKE CAVANAUGH-no bank waterfront, gorgeous views from charming home, beautiful wood floors, wood vaulted ceilings. Spacious kitchen, lg deck, outdoor frpl & your own dock. $725,000. #810568 VERY NICE..,like new home, walking distance to La Conner. 3Br,2 Ba. just over 1100 sf.. New interior paint & heating system. # 914922 $149,000

David Parsons Yvonne Brown Jodi Dynes Galen Kindred

May 27, 2016

391-4008 840-4375 333-7783 770-7083

Laura Kaestner 360.441.5099

Soak up the incredible lake and mountain views from the deck of this very cute 3 bedroom, 1.75 bath home.

All new flooring and fresh interior paint means this home is move-in ready. Light and bright 1264 SF main floor living with another 1264 SF unfinished basement/garage plumbed for a bathroom. This home sits on an acre of land.

Two adjoining 1-acre parcels also for sale.

MLS #946579

“Fulfilling Northwest Family Dreams” 1202 Commercial Ave Anacortes, WA 360-588-1515 • adrhomes.net

$265,000

Holly Hilts Jeff Ingman Shelah Inman Kristen Tuttle

661-5538 202-2859 661-0145 708-8392

COMMERCIAL SITE..in excellent Mount Vernon location, paved street w/all utilities available and drainage installed. $437,000 #676549 BURLINGTON PROFESSIONAL BLDG…1579 sf bldg in great Burlington location. Currently a dental office, great layout for variety of businesses.Adjoining lot available. $285,000. #733399 READY TO BUILD..very nice full acre lot with water, driveway & 4 Br septic system installed.

Already has approved bldg permit. $204,000. #890316 BURLINGTON IN TOWN LOT..bring builder, lot complete w/engineering & 1800 sf plan approved.

Convenient to town, schools & I-5. $59,000

Fritz Inman Tim Reichert Ron Wortham Mary Jo Reitsma

RE-Weekly.com

661-0147 391-5587 661-1500 770-6013

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GREAT LOCATION!..stylish 3 Br. is remodeled.

Beautiful oak floors, vinyl windows,tile bath, cove ceilings,bonus rm, basement w/ shop space & next to city park. #941536 $215,000 RURAL SETTING..single wide on acreage, good condition, call for details. #937076 $139,950 GOOD PLACE TO BUILD.. Or place a MFG home. 20 acres w/water share included. Located just 4 miles from Sedro Woolley. $89,500. #891041

CHUCKANUT HOME.. on 4+ acres…1 bedroom, 2 bathroom rambler with cedar trees in a much desired area! $409,900. #946376

Travis Lohman Terri Heyntsen Tod LeHecka Jan Scally

661-4533 391-0938 333-1032 421-5160

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Homeownership Seen as a Little Less Thrilling Come Tax Day

P

ay rent and “you’re throwing money away.” Like many adages, this one contains a kernel of truth.

But that kernel has shrunk a bit, considering that, for many home owners, the tax advantage of buying has vanished.

Homeownership traditionally delivered income tax savings because a homeowner’s mortgage interest payments plus property taxes easily exceeded the standard deduction allowed by the IRS. But since 2008, falling interest rates and lower home prices have reduced mortgage interest payments so that they may not top the current $12,600 standard deduction for married couples, according to John Burns Real Estate Consulting.

Single buyers “would be more likely to take advantage of the tax deduction,” says John Burns, chief executive officer of the real estate research firm. “But given the single standard deduction of $6,300 and the interest on a $200,000 mortgage 4

totaling about $8,000 annually, the interest deduction is relatively small: $1,700.

“If people are really buying a home for the tax benefits, they need to think twice,” says J. Michael Collins of the Center for Financial Security at the University of Wisconsin-Madison. Think of buying as having “some financial benefits, but also some costs,” he advises.

Long-term owners benefit by locking in much of their future housing payments, especially if they take a fixed rate mortgage, Collins points out. With each monthly payment, owners chip away at the overall mortgage principal owed.

A tax write-off is more valuable to high earners, the very people who find it easier to afford buying. Lower and medianincome households may find “renting is the only option,” Collins observes. But they can dismiss the worry that they’re throwing money away.

RE-Weekly.com

May 27, 2016

SANDI RILEY

SMARTER. BOLDER. FASTER.

North Homes Realty Inc. 360.424.2100 • www.century21northhomes.com $329,950

MLS#926336

• 3 bdrms, 2 bths • Covered porches • Vaulted ceilings • Den/office

770-8670

North Homes Realty Inc. 1419 DIGBY PLACE “THE RIDGE” MT. VERNON W

NE

$205,900 UN

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OPEN HOUSE SAT. 1-4 SANDI R. 770-8670

$219,950

MLS#947644 $149,500

• Shy quarter acre • 3 bdrm rambler • Large bonus rm • RV parking

14601 AVON ALLEN ROAD, MT. VERNON

$420,000

MLS#947091

$359,000

MLS#928788

• Nearly 2 acres • Bow area • Remodeled • 3 bdrm • 2 bth

• Corner lot • Immaculate home • Country Charm • City convenience

$199,900

MLS#921219 $149,999

MLS#943614 $424,500

• Lrg fully fenced • Covered patio • Bonus room • Newer roof

Amy Harrison 360-913-5162 Anita Kohl 961-7795 Arlene Vonachen 853-6429 Connie Moulaison 770-1341 Duane Gish 770-9299 Jackie Lindeman 770-9080 Jennifer Ohlsen 360-540-0717

• One of a kind • Huge shop w/apt.

• 2100+ sq ft home • ½+ acre

Jimmy O’Connor 853-6098 Josh Arunakul 360-982-3084 Kenda Furman 391-0030 Kimberly Gregory 360-941-0058 Margie Ernst 708-3198 Maria Mendoza 610-3309 Marlene Deasy 661-6720

MLS#843770

• Shy 10 acres • Fully fenced • Your own pond • Ready to build

Mel Strickland 206-948-4392 Mike Newman 708-1419 Nicol Macri 206-962-9475 Rich Jones, Mgr 425-791-2879 Richard Sundance 420-4046 Sandi Hocking 708-1523 Sandi Riley 770-8670

Scott Heiner 540-7537 Sharon Stokes 661-6164 Shelley Camacho 708-4377 Traci Cypher 708-9481

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2410 FRANCIS ROAD, MT. VERNON

$424,500

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SANDI R. 770-8670

• SECURE BUILDING W/BASEMENT PARKING, VALLEY & MTN. VIEWS! • LOVELY END/ GROUND FLOOR UNIT W/ EXTRA GUEST PARKING • 2 BEDROOMS, 2 BA., GRANITE KITCHEN, GAS FPL., NEW PAINT & CARPETING!

MLS#939831

• Total rehab done • Fenced yard • In town location • Great price

Sandi Riley 770-8670

$449,000

• *”SHY” 3/4 ACRE SETTING, LG. FENCED BACK YD. , PERFECT FOR PETS & KIDS! • 3 BEDROOMS, 2.5 BATHS IN MAIN HOUSE+ BONUS/SUN ROOM • GAS HEAT, 2 GAS FPL., NEW BAMBOO FLOORING, LOVELY COVERED PATIO

• INCLUDES “COUNTY APPROVED” 1 BD. APARTMENT, GREAT RENTAL NEAR COLLEGE! • LG. SHOP/GAR. + R.V. HOOKUP, IN ADDITION TO 2 CAR ATTACHED GARAGE • GREAT PACKAGE W/UPDATED 3 BD., 2.5 BA. HOME, APARTMENT + SHOP!!!

1030 E. FAIRHAVEN AVE., BURLINGTON

45885 DIVISION STREET, CONCRETE

$375,000

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$149,500

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SHARON STOKES 661-6164

SANDI R. 770-8670

SHARON STOKES 661-6164

• LOVELY GRANITE KITCHEN, STAINLESS APPLIANCES, 3 BD., 2 BATHS • LG. MASTER SUITE W/BALCONY & VIEWS OF MTNS., PATIO W/BUILT IN BBQ • COUNTRY BEAUTY ON 1.319 FENCED ACRES, BRING YOUR HORSES & CHICKENS!

• COMMERCIAL/MEDICAL OFFICE BUILDING & LAND FOR SALE • INCLUDES 3 LOTS W/3 MORE AVAIL. TO PURCHASE (@ $450,000 OR BEST OFFER) • SOLID 3,000 SQ. FT. MULTI-USE BUILDING, CALL FOR DETAILS!

• IMMACULATE INSIDE & OUT, TOTAL “REHAB” CRAFTSMAN CUTIE, A MUST TO SEE • NEW WINDOWS, PLUMBING, WIRING,FLOORING, PAINT & MORE • 2 BEDROOMS, 1.5 BA., LG. FENCED YARD, “MOVE IN READY”!!

822 N. 14TH STREET, MT. VERNON

22430 CRIDDLE LANE, MT. VERNON

4936 IDA DRIVE, SEDRO WOOLLEY

$239,500

$279,500

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ING PEND

IN PEND

SANDI R. 770-8670

SANDI R. 770-8670

• CLOSE TO SCHOOLS, MEDICAL & ALL SERVICES, QUIET STREET • 3 BEDROOMS, 1.5 BATHS, “REC ROOM” W/ FIREPLACE • FRESH INTERIOR PAINT, NEWER 30 YR. ROOF, SUNSET VIEWS

• CLOSE TO BIG LAKE, LOADED W/ PRIVACY & SOME MTN. VIEW, 4.78 ACRES • 3+ BEDROOMS, 3 BATHS, TOTAL OF APPROX. 3500 SQ. FT. • FULLY PERMITTED ADDTION W/ BONUS RM., 2 FAMILY ROOMS + BASEMENT SHOP!

$268,900

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SANDI R. 770-8670 • GREAT LOCATION, END OF ROAD PRIVACY, 3/4 ACRE & NEAR “SAMISH ELEMENTARY”! • NEWER ROOF, CUSTOM KNOTTY PINE FLOORING THROUGHOUT, TILE IN BOTH BATHS • OPEN PLAN, 3 BD., HUGE 2 LEVEL DECK W/HOT TUB & ABOVE GROUND POOL

Single Level Homes for Those 55 and Better A C T I V E A D U LT C O M M U N I T Y Contact Rita: (877) 769-8070 or Rita@LandedGentry.com Sales office is open Wed-Sun, 12:00-5:00. Directions: I-5 to Mount Vernon; Exit 225, East on Anderson Road to 4 way stop. Proceed straight on LaVenture to E Division St; Right on E Division St to South 48th St

• Starting in the mid $270’s • Single level detached homes • Maintained yards • 3 beds / 2 bath designs • Granite slab countertops • Several different floor plans • Many energy efficient features

877.769.8070 LandedGentry.com

May 27, 2016

RE-Weekly.com

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www.WindermereSkagit.com RESIDENTIAL 31502 W. Third St, Lyman $99,900 Great Fannie Mae, 2 Bed, 1 Bath home on nice corner lot in Lyman. The yard is wonderfully landscaped, level, fully fenced & has a couple fruit bearing trees, large storage shed.

Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 MLS# 938488 NE

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1119 N. Waugh Rd, MV $314,500 Sharp 4 bed, 3 bath home features a great floor plan & is located in a nice, quiet neighborhood. Kitchen opens to living room featuring a gas fireplace with built-in bookcases. Formal dining room, large kitchen features stainless appliances, upgraded solid surface counters, tons of cabinets & large island. Bonus room boasts a great view & sunsets.

Call Sarah Minton, 770-3076 MLS# 881400 NE

1123 Curtis St, Burlington $219,900 Freshly remodeled & move in ready including all appliances. Home is situated on an oversized lot with great yard & room to garden, park an RV or boat. Inside the 4 bedroom home you will find beautifully refinished original hardwood floors thru out, spacious great room, renovated eat in kitchen & lots of storage. SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446/ Shawn & Tiffany Danley 360-298-4857 MLS# 945920 NE

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8881 Garden of Eden Rd, SW $225,000 Room to move in this 3 bedroom rambler with living room & nice large bonus room with separate entrance! Recently updated, fresh paint, new trim, new carpet, & new raised panel doors. This home is situated on just under .5 acre, located on a dead end driveway. Fenced backyard area with garden shed.

Call Bette Thompson, 840-5109 MLS# 945509 505 S. Gardner Rd, SW $226,300 Classic mid-century rambler on huge lot. 3 beds, 1.75 baths. Great yard with professional landscaping & covered patio. Large windows let in lots of natural light. Spacious kitchen. Walking distance to Skagit River, downtown Burlington, schools, churches, parks, & more. Easy access to Highway 20 or I-5.

Call Becky Elde, 770-9427 MLS# 927840

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12814 Farm to Market Rd, MV $359,000 Restored & updated classic farmhouse w/beautiful Valley/Mountain/Bay views on .42 level acre.

Craftsman details, including 4-inch fir floors, huge country kitchen, built-ins. 3 beds, 1.75 baths.

Remodeled bathrooms, newer roof, updated plumbing & electrical. New quick-start wood stove.

Sun porch/mudroom. Brand new exterior doors & vinyl windows. 2 car detached garage w/work area.

Call Megan O’Bryan, 708-5817 or Spencer Roozen, 708-0634 MLS# 946799 25000 Old Day Creek Rd, SW $379,900 Custom home built in 2007 situated on 2.5 acres with plenty of room for a shop, garden, livestock & enjoying nature from a beautiful covered deck with a propane hookup for a barbecue. This immaculate home offers an open floor plan, gas fireplace, stainless appliances with double ovens & a 5 burner gas range. Lg. walk in pantry, vaulted ceilings, skylight, & master suite with doors leading to the back deck. 2 car garage with 220.

Call Linda Eastman, 202-4075 MLS# 930313 4711 Parkview Lane, MV $469,900 4 bedroom quality built home offers specialty millwork, chair railing & crown molding. A perfect butler’s pantry, formal dining room & great room off a designer kitchen. Private den with French doors, huge family/bonus room, high ceilings & over 2800 SF. Manicured yard, 3 car garage & 2 great patios for entertaining.

Call Linda Eastman, 202-4075 MLS# 926801

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416 N. 3rd St, La Conner $474,900 Spectacular NW Chalet style home. Spacious bright living w/beautiful wood detailing. Kitchen w/island, built in fridge & loads of storage. Dining area w/ built-in seating, gas FP & deck. Main floor master w/private entry to deck & 3/4 bath. Upper level office/den, guest bed & .5 bath. Lower level living w/kitchenette & 2 beds. Superb outdoor covered patio & wonderful gardens.

Call Elizabeth Miller, 420-3607 or Travis Miller, 420-7291 MLS# 947659 NE

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19629 Cygnus Lane, MV $490,000 This home sits on Approx. 5.28 acres of open usable land, with fruit trees. Home features a large open floor plan, 4 beds, 3.5 baths, & 3,568 SF. huge bonus room upstairs & a fully finished basement with a kitchen & a second exterior door. 2 car detached garage/shop.

Call Jake Koetje, 466-8045 MLS# 939395 16582 Donnelly Rd, MV $624,900 Sprawling near 20 acre farm! Over 5 irrigated acres planted in numerous species of nut trees. 15 acres of prime AG farmland. 3 bed farmhouse w/ main floor master, filled w/ natural light, sun room, wrap-around porch, & bonus rm. Huge shop w/rm for RV/boat. Private fishing pond & hobby shack, greenhouse & more. SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446/ Shawn & Tiffany Danley 360-298-4857 MLS# 931869

14394 Roadrunner Lane, Burl $712,000 Gorgeous 4 bedroom home offering a lavish master suite with a gas fireplace, formal dining, living & great rooms both have fireplaces.

Designer kit w/slab granite & full height back splash, s/s appliances, double ovens, bar & eating space. Soaring ceilings, chair rail accent & crown moulding, hardwood floors, bonus room. Over 3,340 SF situated at the end of a cul de sac on 1.25 acres, 3 car garage, detached heated RV gar & work shop with a loft.

Call Linda Eastman, 202-4075 MLS# 912513

4220 Lupine Dr, MV $748,000 Gorgeous & immaculate, this showcase home is located in an upscale neighborhood convenient to amenities & an easy commute. High-end remodel.

2 master suites, including an 1,100 SF sanctuary w/ impressive Travertine spa bath, walk-in closet & dressing room, private laundry, wet bar, library & office. True gourmet chef’s kitchen features slab granite, 48-inch commercial gas range, fridge, & Miele coffee system. Beautiful & tranquil outdoor living areas.

Call Megan O’Bryan, 708-5817 MLS# 925643

18192 Peregrine Lane, MV $748,959 Stunning views from every room of this architecturally-designed Cascade Ridge home.

Main level living including master suite w/his & hers walk-in closets, built-in office area. Kitchen made for entertaining, w/direct access to the covered deck, & majestic views over the Valley, out to Skagit Bay, Fir, Camano, & Whidbey Islands, & the Olympics. The daylight basement is a motherin-law unit or self-contained guest apartment w/its own kitchen & private patio.

Call Megan O’Bryan, 708-5817 MLS# 931537

Looking for hom

For a free pr WA-CL 713524, OR-ML 5271

Amie Mani | NMLS ID # 404665 | branch manager/M

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 Cory Keihn Dave Patterson

6

360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-441-1760 360-708-5030

David Mani Dawn Hardman Deborah McNeal Dick Nord Don Neill Donna Rowell Elizabeth Miller

425-319-7091 360-540-0058 360-707-8073 360-661-6529 360-420-4444 360-708-7984 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 Jannette Krieger 360-708-0233

Amie M Download my smartph

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

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360-428-2828 360-202-2500 360-840-9455 360-503-7196 360-421-1189 360-428-3012 360-202-4075

Megan O’Bryan Nathan Loeb Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Sherry Johansen

360-708-5817 360-333-7197 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-708-3636

Spencer Roozen Tahlia Honea Tasha Zahlis Tiffany Danley Travis Miller Warren Bingham

360-708-0634 360-333-5815 360-391-5075 360-298-4857 360-420-7291 360-770-2421

May 27, 2016

www.AnacortesRealEstate.com

NE

W

NE

111 Lummi Dr, La Conner $695,000 Truly Magnificent Waterfront NW Contemporary.

Step into this impeccably constructed, architecturally pleasing home with breathtaking water view. Well designed open floor plan features NanaWall glass doors, high ceilings, slate floors, hydronic in-floor heat. Superlative kitchen works gracefully to entertain a crowd or a cozy meal for two. Luxuriate in your private master bedroom retreat with adjacent workout room. Lower rec room/shop. Relax or entertain on the spacious patio & watch boats go by.

Jackie Stone 360.661.2247 MLS# 941753 NE

W

me financing? I’m here to help!

re-approval, please contact:

Mani • 360.428.4626 hone app at: amie.mortgagemapp.com

NE

418 Hillcrest Dr, Anacortes $342,000 One level home on 14,000+ square foot lot, lots of room to expand outward and upward. Kitchen with eating area, living room with gas fireplace, dining off kitchen. 3rd bedroom/office/den with glass double French doors. Large master w/walk-in closet, double sinks in bath, jetted tub & separate shower. 2 car oversize garage with RV parking. completely remodeled: New Acacia engineered hardwood flooring, carpet, granite counter tops, new appliances. interior paint.

Caroline Baumann 360.202.7327 MLS# 927300

NE

1109 29th St #105, Anacortes $189,000 Wonderful well constructed condo w/beautiful wood trim & great finishes. It may be small but it is all you need to live life in comfort. 1 bedroom & bath, living-room has high ceilings & gas fireplace.

Kitchen has beautiful hdwd flrs, eating bar & pntry/ laundry area all appliances stay. Lots of light & a porch for outdoor living. Secured entry & gar.

The location is unbeatable for the person that has a boat in the marina, wants to be a snow bird or some one who just wants the ease of living.

Gina Davis 360.708.7794 MLS# 923982

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W

NE

1907 29th Pl, Anacortes $579,000 Exquisite Pleasant View home poised against a forested preservation backdrop. 3,060 sq ft of custom designed finishes include layers of molding, cherry wood floors, granite throughout, grand master with retreat space and king size bathroom. Large living spaces, oversized den/ office, cozy fireplace in living room, formal dining, delightful kitchen w/eating bar and access to the fabulous backyard space. Charming garden shed and space for all your outdoor activities.

Colleen Craig 360.770.9638 MLS# 943956

W NE

7837 Evergreen Ln, Guemes Isl $548,000 Enjoy exceptional views of Huckleberry, Saddlebag islands, Padilla Bay, and Mt. Baker from this high bank waterfront, quality built, Lindal Cedar home.

Vaulted ceilings with large windows in the great room. Maple kitchen cabinets. 1 BR & 1 BA on main level. Master suite & master bath on upper level with access to deck off the south side. Unfinished basement with laundry area & access to the lower deck. Large deck on the main level. Steps away from the community beach.

Margi Houghton 360.202.0041 MLS# 943630

W

7553 Holiday Blvd, Guemes Isl $495,000 Updated Guemes Island waterfront retreat with magnificent south westerly views for enjoying beautiful sunsets and the Guemes Island ferry.

New exterior siding and paint in & out; beautifully remodeled kitchen that boasts new granite, tile backsplash, newer refrigerator & dishwasher. Two delightful master suites each with breathtaking views. Bsmt workshop. Beach Rights include three beaches; one has a boat ramp for crabbing and fishing in the local waters. 8 minute ferry ride from Anacortes.

Kathy Rogers 360.941.4400 MLS# 939387

W NE

5408 Sunset Ave, Anacortes $789,000 Completely remodeled house on almost 1/2 acre of land, secluded with views of Burrows Bay. Heavily treed; beautiful new shop. Has separate MIL unit attached, could be used as 2nd master on main. New appliances. This is a unique property overlooking Skyline. 3 bedroom, 3 bath. Large Deck.

Buzz Ely 202.4626 | Rick Bennett 202.2630 MLS# 945975

Mortgage Consultant | WMS Series LLC/Skagit Valley

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3515 West 7th Pl, Anacortes $349,900 Private, immaculate 3 bedroom 2 bath home on Dead End Street. Home features: New siding, exterior paint and lights, newer hot water tank & roof, upgraded stove & dishwasher, new toilets master bath sink and bathroom faucets, 147 sqft crawl space that could be finished into work shop. Great deck off main level for BBQing or just enjoying the peace and quiet. Outside fenced in storage area with cabinets. Close to forest land and Cranberry Lake.

Kathy Rogers 360.941.4400 MLS# 938579

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291 Bill Robillard 360-770-4707 Buzz Ely 360-202-4626 Caroline Baumann 360-202-7327 Catherine Mers 360-982-6831 Christine Cleland-McGrath 360-708-0267 Cheryl Frazier 360-202-4789

May 27, 2016

Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy Gina Davis Jack Dixon

360-770-9638 360-202-2155 360-610-0120 360-391-2422 360-708-7794 360-941-5000

Jackie Stone Jessica Notaro Joan Handelmann John Prosser Judy Moore Kathy Rogers

360-661-2247 360-202-1441 360-202-4800 360-202-3891 360-770-3515 360-941-4400

Kristi Gabrielse Leigh Zwicker Linda Macy Lindi Kudlacek Margi Houghton

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360-420-3119 360-333-9975 360-708-8284 713-822-9203 360-202-0041

Nate Scott Paul Weisz Rebecca Chamberlain Rick Bennett

360-708-2354 360-391-7281 360-421-5021 360-202-2630

Rob Skelton Sarah Jones Vicki Cooley

360-488-3776 360-333-2783 206-949-1010

7

What’s With Seniors and Mortgages?

Question: I know a lot of older people with mortgages. Aren’t seniors better off with no mortgage debt?

Answer: Retirement is generally seen as a time of life when folks have less income. For retirees, a mortgagefree home is clearly an advantage. However, with a changing economy – one that has not changed for the better for millions of people – the goal of a home free and clear of debt has become increasingly distant.

The numbers show that seniors 60 and older have significantly higher levels of mortgage debt than in the past. According to TransUnion, about 22 percent of all seniors had prime mortgage debt in 2005, a figure that rose to around 32 percent in 2014. That’s an enormous increase in a short period.

About 33 million people 65 and older own their own homes. However, according to the Consumer Financial Protection Bureau, 4.4 million continue to

have mortgage debt. Some 2.4 million devote at least 30 percent of their income to monthly mortgage payments, according to the CFPB. The amount of senior mortgage debt has grown substantially, from roughly $43,400 in 2001 to $79,000 in 2011.

For many seniors, lingering mortgage debt is a byproduct of the financial meltdown. Those who are 65 today were in their mid-50s when the housing market collapsed. What were supposed to be prime earning years disappeared for millions of people.

Wages declined and retirement savings produced virtually no returns as a result of the Federal Reserve’s zero interest rate policy.

Mortgages that might have been paid off in the normal course of events remained outstanding or were refinanced to access cash. To this day, corrected for inflation, home values remain substantially lower than they were in 2007.

Things could have been worse. Seniors could have rented instead of owned. According to Lawrence Yun, chief economist with the National Association of Realtors, a typical homeowner’s net worth in 2013 was $195,400 versus $5,400 for renters.

You might be surprised to learn that the idea of retirement is fairly new. According to the Social

Q& A

ASK OUR BROKER

By Peter G. Miller

Security Administration, the modern concept of retirement at 65 arose when Germany became the first nation to adopt an old-age social insurance program in 1889 with backing from Germany’s Chancellor, Otto von Bismarck. The idea was first put forward, at Bismarck’s behest, in 1881 by Germany’s Emperor, William the First, in a ground-breaking letter to the German Parliament.

William wrote: “Those who are disabled from work by age and invalidity have a well-grounded claim to care from the state.”

We’re now entering an era where people stay in the workforce longer, perhaps in part to pay off those pesky mortgage debts. According to the Census Bureau, more than 10 percent of those 70 and above now remain in the workforce.

When it comes to retirement, a 135-year-old experiment is now being challenged by new economic realities.

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May 27, 2016

Smart Ways to Use a Reverse Mortgage Reverse mortgages are inching back as a possible option for careful borrowers. credit history are analyzed to ensure he or she is a worthy candidate and is able and willing to pay property taxes and home insurance. Nonborrowing spouses younger than 62 may remain in the home after the death of the borrowing spouse.

Financial advisors are more willing to consider reverse mortgages as a strategic tool for retirement income planning in certain circumstances. “They can be a saving grace for many retirees since the average American has about twice as much wealth in their homes as in their other retirement savings,” says Jamie Hopkins, professor of retirement income at The American College of Financial Services, Bryn Mawr, Pennsylvania. Among the uses Hopkins points out:

2. Open a Line of Credit

Using an HECM loan to open a line of credit to hold in reserve, in the event of future need, is another option. Borrowers can choose when to withdraw funds to protect their savings and income during stock market fluctuations.

For example, in a bear market, when a retirement investment portfolio is down, the homeowner may borrow from the line of credit as needed. There is no need to sell investments at low prices and diminish the retirement portfolio’s power to grow in the future.

When investments rebound, stock proceeds can be used to pay off the line of credit, so the full amount is again available in the future.

Any unused line of credit grows over time. “The line of credit cannot be reduced or frozen by the lender so long as the borrower meets the loan obligations, like keeping current with property taxes, insurance • Providing a steady stream of income after and maintenance,” DeMarkey says. retirement and up to age 70, allowing Social Regardless of which option you select, always eading into your retirement years and Security payments to be deferred until they reach remember that a reverse mortgage comes with risks, looking to delay tapping into Social Security, including the fact that interest compounds on the increase monthly cash flow, and diversify your their maximum level • Providing diversification as a non-marketdebt. Remember, you are paying someone else to retirement funds with an extra source of money? correlated asset that generates income when market get access to your home equity.

You may want to move your real estate gearshift into Closing fees and expenses vary depending on the reverse – a reverse mortgage, that is, which can be investments decline • Improving retirement cash flow by allowing a type of reverse mortgage you choose. Shop for the a financial salve to homeowners 62 and up who traditional mortgage to be paid off, curtailing a best deal and pay attention to the total cost. consider their options carefully. retiree’s monthly outflow of cash Lock down your plan for paying property taxes and A reverse mortgage is a loan that provides Here are three reverse-mortgage strategies that insurance premiums, which are required. If you homeowners an advance payment on their financial advisors may suggest: default on these payments, the lender can foreclose property’s equity and delays repayment until the on the reverse mortgage and you could be forced to homeowner moves, sells the home or dies. It fell 1 .

Take a Lump Sun move. out of favor following the housing boom, when a Borrowing enough money to pay off the existing As with any loan, a reverse mortgage eventually relatively high rate of borrowers defaulted after mortgage on a home is a common use of a reverse needs to be paid back. Normally, this is deferred draining the equity in their homes. mortgage.

“You can eliminate your monthly mortgage until the death of the last remaining borrower.

Since 2013, however, the government has enacted payments and have additional cash flow, ” says Any remaining equity in the home after a sale rules intended to protect borrowers and promote the Joseph P. DeMarkey, strategic business development remains with the homeowner or estate. federally insured Home Equity Conversion Mortgage leader for Reverse Mortgage Funding, Bloomfield, To learn more about reverse mortgages, search for (HECM) program as a financing option.

New Jersey.

For a homeowner who can handle the and download the guide, “Considering a Reverse Under the guidelines, borrowers in most cases may ongoing costs of a home and is likely to be able to Mortgage?” from the Consumer Financial Protection not withdraw more than 60 percent of available funds the first year, so they do not spend too much, live comfortably in the space as they age, this may Bureau, consumerfinance.gov. be a reasonable option. too soon. The borrower’s income, expenses and

H

May 27, 2016

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CLASSIFIEDS T:5.75”

1 - 4 Bdrm Rentals.

Piazza Realty Property Mgmt., Inc. 360-424-RENT

(7368) www.prpmrentals.com

Commercial space in the Stanwood area for rent or lease. 2,400 sq. ft. total; 1,800 sq. ft. warehouse space, 1,600 sq. ft. office space, additional 1,200 sq. ft. mezzanine. $1,600 a month. Call Corki at (360) 629-4542.

3 BED/2 BATH 3 bedroom, 2 bath mobile home for rent in Clear Lake.

Brand new carpet throughout. No pets. No smoking. $1050/mo. First, last and deposit (negotiable) required. 360-770-3244 (text)

PROPERTY FOR SALE

BY OWNER Alger 9.81 acres Build Ready. Has new Well, Septic system for 4 bedroom home, Power and Cable. All have been inspected and approved.

Beautiful site with tall Evergreen Trees surrounding site. $150,000.00 Call 360-724-5062

Skagit Highlands For Sale by Owner 2 Story Home 4608 Shukson St.

FOR LEASE OFFICE/STUDIO $900 MONTHLY 1st, Last & Damage 2 year min. lease 4 bdrm, 2 ½ bath, 2,600 sq.ft., bonus room, deck, granit, sunsetter awning, newer appliances. Lovely corner lot, fenced yard, in a family friendly neighborhood. $329,000. See to appreciate.

360-588-6606 206-365-7771

1331 South 3rd Street Mount Vernon Just 2 Blocks South of Downtown 1,272 sq. ft., new flooring, carpet, paint, lighting & roof. 5 offices, 3 bathrooms, shower & laundry room, kitchen, reception area, lunchroom, Cat 5 network cable wired, ADT security. Existing plumbing in 4 offices.

Call (253) 332-3657

OPEN HOUSE SUN. 1-4 21547 Wylie Road Mount Vernon. Spacious home w/acreage on beautiful Fir Island. Over 2700 sq.ft., 3+ bdrm/2 bath, this home is perfect for privacy. Possible 4th & 5th beds. Newer vinyl siding, brand new carpets, remodeled bath, updated electrical, some updated windows, fresh paint.

Propane fireplace in large downstairs bonus room w/kitchen.

Manicured yard, gardens, outbuilding & tons more. Wonderful views of valley & Mount Baker.

Cory Kiehn Windemere (360)441-1760

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WE’VE GOT YOUR BACK. J O I N O U R O N L I N E C O M M U N I T Y AT 10 - May 27, 2016

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May 27, 2016 - 11

$109,900 21260 LAKE SIXTEEN RD, CONWAY $330,000 13062 GLENWOOD DRIVE, MOUNT VERNON $269,000

1030 TINAS COMA DRIVE, BURL HILL

4+ Acres Private 4.5 ac setting w/remodeled cottage located in Conway School District.

Updated kitchen w/skylight, built-in china hutch & walk-in pantry. Beautiful Donna Kurras hdwd floors. Newer mstr ba w/jetted tub. 360-770-7596 Lg shop area w/huge sep. storage rm.

Raised garden beds, barn, fish pond, greenhouse & lots of decking for entertaining. Invisible fence for dogs. One year home warranty included. MLS #909584

Lovely Country home, 1.62 Fence acres, pasture, Solar electric fence and Barn,3 bedroom/1.75 bath home w/attached 1 car garage and territorial view. New carpet, new vinyl windows and slider door, Terrific soap stone wood stove plus gas fireplace, updated stainless JoAnn Boudreau appliances. Garden has vegetables 360-391-0746 already! This is not a manufactured home. No showings sundown Friday to sundown Saturday.

18238 CAPET ZALSILUCE RD, LACONNER

Spectacular views! This unique home offers; 2 beds/1.75 baths; skylights; vaulted ceilings; incredible mural in living room by local artist; Beautiful jetted tub in Master; kitchen has gas SS range; tankless hot water; deck; cozy yard with firepit and stairs to the beach and a picnic area. Danya Wolf 360-708-8294 MLS # 937270

VIEW! VIEW! VIEW! Awe inspiring views are yours to behold when you build your DREAM Home at top of Burlington Hill! Live the “high life� while still enjoying city amenities and convenience! Within excellent Burlington School district; close to shopping and I-5 for easy commuting.

All utilities available at street: power, water, sewer and natural gas. MLS#909681

4605 BEAVER POND DRIVE EAGLEMONT

Danya Wolf 360-708-8294

$639,900 With attention to detail, wonderful home w/ spectacular views of Eaglemont Golf Course!

French Doors w/slate entry, hardwood & carpet, living w/gas fireplace, formal dining.

Fabulous gourmet kitchen solid granite island, beautiful cabinets, opens to Lg great room w/fireplace & box beam ceiling.

French doors open to Large Deck that spans the entire house, overlooking the golf course. Eaglemont Community w/spectacular clubhouse & restaurant.

MLS#815455 Elva Hunter 360-202-3086

4004 APACHE DRIVE, MOUNT VERNON

Great rambler with nice layout located in cul de sac with easy access to shopping, schools and I-5. Home offers 3 beds/2 baths; Spacious kitchen features pantry and breakfast nook; living room with beautiful gas fireplace and vaulted ceiling; covered porch; patio; 2 car garage.

Carla Fischer 360-982-0010

Danya Wolf 360-708-8294

$329,900

Welcome home! Impeccably maintained, privately situated view home located on edge of cul de sac with extra parking. Slightly formal yet warm and inviting home offers valley view plus view of Mount Baker; tiled entry; lots of natural light, multitude of kitchen cabinetry;granite counter tops;hardwood floors,pull out pantry;tremendous storage space; office/computer/family room/den offers fabulous views plus small loft; spacious Danya Wolf master suite w/vanity and walk-in closet; generous deck;covered patio. MLS#906466 360-708-8294

270,000 1906 E HIGHLAND, MOUNT VERNON $238,000 5586 STATE ROUTE 9

630 HAMLIN PLACE , BURLINGTON

$320,000

$400,000

Peaceful & serene certainly describe the lovely setting for this solid, well built, 4 bd/2 bath house that has provided a safe and loving home to 7 foster kids. Includes large bonus room, extra finished room, propanepowered radiant, in-floor heat, & certified wood stove w/ Nicely constructed home with plentiful wood many added features. Living room on property, offers masonry fireplace. Country Danya Wolf 4+ Acres 24x24 shop & 4 style kitchen. Wonderfully natural, 360-708-8294 covered 12x24 peaceful fenced yard with covered patio and bays (2/RV), fenced pasture & garden area, chicken coop, fruit trees, kids fort, athletic Shirley Bertholf separate buildings. RV parking. Home and property court, & dog run. $25,000 in seller-concessions for upgrades of your choice.

360-840-1863 is not ready for photos. MLS#942734

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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May 27, 2016