Real Estate Weekly April 17 2015 by Skagit Publishing

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

INSIDE RE-Weekly This Issue BUYING P. 4

FEWER DOCUMENTS, MORE BENEFITS FOR BORROWERS P. 8

Q & A: ASK OUR BROKER FEATURE HOME: 5149 CAMPBELL LAKE ROAD Kristi Gabrielse, Windermere - Anacortes

RealEstate weekly

SEE PAGE 5 FOR MORE

$695,000 (360) 420-3119

A supplement to the Skagit Valley Herald and the Anacortes American

P. 9

CLASSIFIEDS P. 10-11

APRIL 17  23 , 2015

Re-Weekly content sponsored by: Heritage Bank

PAGE

TABLE OF CONTENTS Buying

P. 4

Fewer Documents, More Benefits for Borrowers

P. 8

Q & A: Ask Our Broker

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

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

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.

Territory NW

Go to our website for a quick and easy way to search all listings! 320 S Burlington Blvd • Burlington www.SkagitValleyRealEstate.com (360) 755-9494 • (800) 775-0153

W NE

OPEN HOUSE SAT. APR. 18TH 1-3PM 17216 Sockeye Drive, Mount Vernon $369,950 Dir: From Hwy 9, turn into Nookachamp Hills, right turn on Sockeye to end of cul-de-sac. Custom 5 BR & 3 BA. Guest BR or MIL on main floor w/full bath. Terrific finish work incl. hardwood, maple cabinets & more. Lovely gardens w/pond & greenhouse. MLS #764736 Call Elizabeth, 708-8800

G TIN LIS

W NE

Mount Vernon $155,000 Condo in desirable “The Ridge”. 55+ development w/ elevators. 1 BR, 1 BA, 700 sq. ft.. Eating bar w/granite counter. Radiant floor heat. Security entrance & gated parking. MLS #763985 Call Charlie, 708-1415 or Jeannie, 708-9645

G TIN LIS

W NE

Sedro-Woolley $249,900 Beautiful inside & out! Well cared for home on large .23 acre lot. 3 BR, 2 BA. Updated vinyl windows, ceramic tile floors. Lg. dining rm. & kitchen w/eating bar. Many mature plants & flowers. Garden shed & Pergola are all part of this backyard paradise. Don’t miss this one! MLS #770516 Call Mike, 540-1341

Burlington $309,000 Desirable Bayhill neighborhood home. 3 BR, 2.5 BA, nearly 2000 SF. Spacious kitchen open to family rm. French doors lead to 18 x 26 deck. Upstairs master w/walk in closet & pvt 5 pc bath. Lg. fully fenced, RV parking. MLS #770454 Call Ron, 333-1045

W NE

Mount Vernon $329,900 Spacious Brick Rambler. 6 bedrooms (4 w/closets) & 2.5 baths. Over 3000 SF. Updated kitchen w/ Corian counters. Sub zero Refrigerator & unique fold out pantry. 2 fireplaces on main level. Partial basement w/bonus room & 3rd fireplace. 2/3 acre lot w/BBQ area. MLS #735902 Call Debbie, 708-8780

Wilma Louia Designated Broker/Owner 661-1631

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Mount Vernon $435,000 Meticulous attention to detail. Custom built home. Gorgeous entry w/high ceilings. Open floor plan. 6 BR, 4 BA, 4650 SF. Immaculate kitchen w/granite counters & heated tile floors. Master ste w/walk-in closet & jetted tub. Covered deck, plus plenty of parking. MLS #651845 Call Ivana, 770-3550

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Ivana Wood 770-3550

Mount Vernon $469,950 Updated farmhouse in peaceful setting. 3 BR, 2 BA, nearly 2800 SF. 1056 SF 2 car garage/shop w/ full bath. Lg. kitchen w/granite counters & loads of storage. Spacious formal dining & living areas. Very light home w/many windows. Level 1.89 acres to enjoy. MLS #765265 Call Ron, 333-1045

Mike Welling 540-1341

Debbie Benjamin 708-8780

Corinne Cartwright 202-2397

RE-Weekly.com

G TIN LIS

W NE

Mount Vernon $575,000 This is lake living! 60 ft. on lake front. Large 3 BR house. In floor heating thru-out. Central vacuuming, security system, surround sound & more. RV hook up, 3 bay garage w/11 ft. doors. Many upgrades! MLS #770016 Call Corinne, 202-2397

Maggie deSouza 610-8413

Burlington $325,000 3 BR, 2 BA home. Master w/full bath upstairs. Family room upstairs. Main floor living room w/adjoining dining room. Attached 2 car garage. Separate shop, 1250 SF. MLS #628015 Call Wilma, 661-1631

Ayla Contois 610-1652

Kenny Sides 982-3400

Shelley Sides 472-1873

G TIN LIS

Bellingham $595,000 Lake Samish waterfront home. Well-cared for, built in 2002. 1867 sq. ft., 2 BR, 1 ¾ baths. Lg. open kitchen w/granite counters. Bulkhead, dock, westerly view. Tankless water heater, F.S. propane stove. MLS #769355 Call Charlie, 708-1415 or Jeannie, 708-9645

Jennifer Baker 220-1526

Steph Vervaart Property Mgmt Assistant

Traci Erickson Property Manager 755-5555

April 17, 2015

Now could be the time to sell a new home and earn a slice of the real estate pie. Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people. “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 Real Estate Weekly.

Call 360.416.2180 Today!

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360.757.6013 800.869.7084

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Brown McMillen Real Estate

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

OPEN HOUSE SAT. 4/18, 12-3 PM 12360 GULL DR., BURLINGTON

HOSTED BY RON WORTHAM EVERYTHING YOU NEED TO ENJOY LIFE.. 3700 sf home on appx. 5 Ac., 3 stall barn, immaculate interior, upgraded & amazing kitchen, master w/cozy deck, huge util. rm.,lots of blt-ins & more. $459,000. #767537 DUPLEX INVESTMENT.. 2 units for your retirement account in Burlington. 3 Br and one smaller efficiency unit. Always rented. $207,000 #733489 SPECTACULAR VIEW.. In fill lot top of Alabama w/one of the most fantastic views of City, Bay & San Juans. $199,000. #657386 M.V. BUILDING LOT.. 2 plated lots, may support Duplex. Wooded with city services. $69,950. #731632 17 ACRES.. just 6 miles from Mt. Vernon w/public water & wonderful valley & mtn views.$239,500. #594939

Jodi Dynes Terri Heyntsen Holly Hilts

April 17, 2015

333-7783 391-0938 661-5538

SAMISH ISLAND BEAUTY.. fully remodeled, open floor plan, 3 Br., 1.75 Ba., Flagstone patio, partial view, garage w/shop & office loft. $339,000. #723301 APPROVED BUILDING PERMIT.. already on this nice secluded one acre bldg. Lot near Big Lake. $124,500. #722459 FIXER UPPER.. on almost one acre. Needs lots of TLC but has a large lot, and a great country building site. $119,500. #755395 STANWOOD CAMPSITE.. 3 aces in Stanwood, Nicely wooded with a stream running through it. $29,500. #688959 DUPLEX LOTS IN BURLINGTON.. very nice 2 lots to build your own Duplex. Lot 2 & 3. $69,000. #694493

Tim Reichert Jeff Ingman Shelah Inman

391-5587 202-2859 661-0145

ONE ACRE, MT. VERNON CITY LIMITS.. nice 2 Br. private setting, has basic construction, wood burning f/place insert. Metal roof,lots of parking. #762677 $159,500. OWNER FINANCING AVAILABLE.. rural hideaway in Day Creek, 2.9 ac. with a 1500+ sf home, large shop & barn! $265,000. For this mini-farm.#745097 BURLINGTON PROFESSIONAL BLDG..1579 sf bldg in great Burlington location. Currently a dental office, great layout for variety of businesses. Adjoining lot also available. $90,000. #733399 GORGEOUS CUSTOM CRAFTSMAN.. home on an acre on Bow Hill. Over 2500 sf, 3 Br, 2.5 Ba,lots of bltins,beech cabinets + 3 car garage. $485,000. #409469 NICE MINI-FARM..w/well maintained 3 Br home. Fruit trees & 3 acres of fully fenced pasture. $279,500.

Tod LeHecka Fritz Inman Jan Scally

333-1032 661-0147 421-5160

RE-Weekly.com

RARE CAPE COD HOME.. w/guest cottage, amazing landscaping. New price! $412,500. #644502 BUILD YOUR DREAM HOME.. gently sloped 1.7 acre lot w/lake & mtn. views. Choose your plans & build. Utilities in street. $125,000. #700679 MV HILL,OVER 1/2 ACRE.. and Duplex, room for another is over 5 ac,. is located close to hospital up Mt Vernon hill, Medical type businesses surround the property. $349,500. #760295 SEED PROCESSING FACILITY.. located on a level site near La Conner. Operating plant with 15,780 SF,buildings & equipment. $1,200,000. #757180

Ron Wortham 661-1500 Mary Jo Reitsma 770-6013 Dave Parsons 391-4008

Galen Kindred Travis Lohman

770-7083 661-4533

BUYING V

Vacation Home sales Soar while investment home sales decline. Vacation home sales increased nearly 60 percent over 2013, according to a new survey from the National Association of Realtors

acation home sales reached peak levels in 2014 while investment home sales decreased for the fourth consecutive years, according to the National Association of Realtors’ 2015 Investment and Vacation Home Buyers Survey. Vacation home sales increased 57.4 percent last year to 1.13 million, the highest ﬁgure since the NAR started survey in 2003. Investment home sales decreased 7.4 percent to 1.02 million in the past year. Rising home prices and decreasing distressed properties coming onto the market were the major contributors to diminishing investment home sales, according to Lawrence Yun, NAR chief

economist. Yet, the median sales price of both vacation and investment home sales declined in 2014. The median vacation home price was $150,000, down 11.1 percent from 2013, and that of investment home fell 3.8 percent from 2013 to $125,000. Almost half of both vacation and investment homes purchased in 2014 were distressed properties.

Vacation Home Purchases

The median household income of typical vacation buyer increased to $94,380 in the 2014, up from $85,600 in 2013. Although more than half of vacation buyers (54 percent) bought a single-family home, the share of those buying a condo, a

Open House Sunday April 19 • 1 - 3:30pm

ON THE 5TH GREEN! 12590 Eagle Dr.

$349,900

On the 5th green sitting on a corner lot, you’ll find this one story home in the Skagit Golf and Country Club. This clean and cozy home boasts an abundance of windows focusing on the view and offering lots of natural light. Lovely mature landscaping gives great curb appeal and a large deck to enjoy the view of the course. 2 car garage plus an extra for your golf cart! Stop by and I’ll fill you in on the details!

townhouse or row house increased from a year ago. One-third of vacationhome buyers plan to use the property for vacations or family retreats, and nearly 20 percent plan to convert the home into a primary residence in the future.

Investment Home Purchases

The median household income of investment buyers decreased to $87,680, compared to $111,400 in 2013. Investment buyers typically bought a detached single-family home. The major reason of investment purchases was rental income (37 percent), followed by low prices and potential price appreciation.

“The major fortunes in America have been made in land.” ~John D. Rockefeller

Hosted by Ken Matthews, Broker at CBbain 360-319-8064

RE-Weekly.com

April 17, 2015

FEATURE HOME FROM COVER:

STAT

5149 CAMPBELL LAKE ROAD

$695,000

Windermere Real Estate/Anacortes 3018 Commercial Ave. Anacortes, WA 360.293.8008 www.AnacortesRealEstate.com

LET’S GO!

Kristi Gabrielse 360.420.3119

Enjoy stunning views from this perfectly situated house. Originally built as a bed & breakfast, this 5 BR 3-1/2 bath home is just perfect for entertaining. The property is set up to take advantage of a wide variety of outdoor activities from gardening to horses. Imagine living right on the base of Mt. Erie! The woods are full of trails. Outdoor equipment is negotiable. MLS# 761645

1 in 10 Number of U.S. residents who say they are dissatisfied with their current living situation (housing, neighborhood, local safety and services) and say they want to move Source: U.S. Census Bureau reports

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

Mount Vernon, WA 98273

Tel. (360) 416-4902

AMERICAN DREAM REAL ESTATE SERVICES, INC.

www.npsar.com

Classic Craftsmanship #746256 • $319,999

A Must-See on the 6th Tee!! #715759 • $380,000

Best Price Per SQFT Classic farmhouse Craftsmanship. Totally redone from top to bottom this flowing layout is a rare find. Huge remodeled country kitchen with granite and Stainless, original hardwood floors, main floor master with clawfoot tub, marble vanity. 2 Upstairs private bedrooms, tiled craft room with built in cabinets.

2200 sqft Skaqit Golf & Country Club home on the 6th tee box. Wonderfully maintained newer 3 bed 2.5 bath home on a beautifully landscaped large corner lot. Features light open floor plan, tile roof, 3 car garage, gas heat & AC, security system, perimeter lighting and much more. Truly one of the finer homes in the neighborhood don’t miss out.

Fabulous Retreat

An Invitation from Paul Weisz, North Puget Sound Association of REALTORS® President On behalf of hundreds of Skagit & Island County Realtors® and the homeowners they represent, I would like to invite everyone out to the 4th Annual Statewide Open House, Saturday and Sunday, April 25 & 26. Hundreds of local homes will open their doors to people looking to buy or perhaps to spend an afternoon getting some ideas about how to fix up their present one I have always loved doing open houses because people need to experience a home in order to know if it’s the one for them. Mission Statement: The Nor th Puget Sound Association of Realtor s advocates for Realtor s and their clients, provides services to help members prosper, and promotes the protection of property rights.

April 17, 2015

2 For 1

#751937 • $274,900

Fannie Mae Homepath Fabulous retreat in Little Mountain area! 10 acres w/ a great house on the property. Over 1800 sq. ft., 3 bedrooms, 2 1/2 bathrooms, with open kitchen family room w/ pellet stove. Master suite has private bath & closet. The upstairs offers 2 spacious rooms, with a 2nd bathroom. All set on a very private wooded 10 acres near town. Nice outbuilding too.

#767062 • $268,999

Amazing Property

#717040 • $175,000

Fannie Mae Homepath Burlington home on 1/2 acre with 2 outbuildings. Features a 1 level 2400 sqft home w/790 sqft shop, 680 sqft heated studio gas heat, 2 bathrooms, partially finished 2nd kitchen all conveniently located on a 1/2 acre lot on State Route 20 just east of Burlington and minutes to I-5. Don’t miss out on this great property!

Terrific Office Building #748958 • $639,000

2 Homes for the Price of 1! Main house has 2 bedrooms on main floor and full bath as well as 2 bonus rooms upstairs. Two car garage has a studio apt as well. Great location right in town with view Terrific Office building right off I-5 In Mount Vernon. of the Bay. Don’t miss out of this great opportunity. This extremely well maintained property has excellent cash flow and rental history. Don’t miss out on this fantastic location and property!

“Fulfilling Northwest Family Dreams” Anacortes Office

1202 Commercial Ave Anacortes, WA 360-588-1515 • adrhomes.net

RE-Weekly.com

Mount Vernon Office

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

Like American Dream Real Estate Mount Vernon

www.adrhomes.net

www.WindermereSkagit.com RESIDENTIAL 18447 CASCADE ST, MV

$82,500

Fannie Mae home features 2 bedrooms, 1 bath. Some built in & wood flooring. This is a fixer bring all your ideas! Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #755856

1228 S. 6TH ST, MV

17546 TONKON VIEW LN,

818 EVANS DR, SW

$99,000

9348 THUNDERBIRD LANE, CONCRETE

$122,000

Vintage log cabin located on the river. Views from the front deck of meadow & the mountains, from the back deck the river flowing by. This spacious 1 bedroom makes a great residence, vacation home or vacation rental. Home comes fully furnished. Call Deborah McNeal, 707-8073 #761323

1201 TOWNSHIP ST, SW

$249,500

Beautifully updated 3 bed, 1.75 bath home in the established Cascade Park neighborhood. Granite tile counter tops & new cabinetry in a bright inviting kitchen. Kitchen features an eating bar & is open to the living area. Large fully fenced backyard with deck that is partially covered. Call David Mani, 425-319-7091 #771272

Adorable cabin with stunning Skagit Bay Views & a wonderful deck to enjoy it all from. The cabin has had major renovating & is in fantastic condition just ready for your enjoyment. For a tour call Robin, 420-2026 #759412

40374 PIONEER LANE, CONCRETE

44691 BAKER LAKE RD, CONCRETE

$250,000

Relax on your private patio next to the fire pit & listen to the soothing sound of the waterfall just a few feet away. Only 7.5 miles from the Baker Lake turn off from Hwy. 20. 3 beds, 1.75 baths, 1600+ SF. Shop has wood stove, 2 carports & a garage. Newer windows with beautiful views from every direction. Call Becky Elde, 770-9427 #768234

Quality built 3 bedroom rambler with 8 year old 50 year roof. Property has an array of fruit trees & a nice tool shed. The back yard is fully fenced. Home also has a newer wood burning insert that heats house in little time. Call Spencer Roozen, 708-0634 #760789

17289 COLONY RD, BOW

$250,000

300 N. OAK ST, BURL

7694 STATE ROUTE 9, SW

$365,000

3 bedroom 2.5 bath home in desirable area of the Summer Ridge Community. Immaculate interior with hardwood floors & a large kitchen & eating area that opens into the family room. Amenities include a bonus room & a first floor office. Fenced yard & 2 car garage with additional storage. Call Jake Koetje, 466-8045 #763615 NE

$225,000

40365 CHALLENGER RD, CONCRETE

$254,900

Nice home on a shy .5 acre lot. New interior paint & carpet. 3 bdrm, 2 baths, 1644 SF. Living room w/ freestanding stove, kitchen w/ eating space, dining room & lg. mud/laundry room. Fenced yard w/ patio, garage, shop & garden shed/playhouse. More info at SkagitValleyHomes.com Call Bill or Jannette Krieger, 421-4446 #698871

Nice mini farm just outside Sedro-Woolley. Barn, shop, chicken coop, & fenced pasture for your animals. Home has 3 bedrooms & 1 full bath. Hot tub stays. Additional rec room downstairs with access from outside. Home has good siding & a newer roof but needs updating inside. Call Becky Elde, 770-9427 #766088

30171 S. SKAGIT HWY, SW

$315,000

Established mini-farm ready for your horse or farm animals! 3 bdrm, 1.75 baths, 1621 SF. 1.15 acres with fenced pasture, barn/shop, outbuildings, paving stone patio/walkways, vegetable garden & fruit trees; all in a great west MV location! Low flood insurance premium. Photos & more info at SkagitValleyHomes.com Call, Bill or Jannette Krieger, 421-4446 #768489

Accountability Matters at Win Call Amie Mani a

NMLS ID# 404665 | WA-CL 713524 Branch Manager / Mortgage Consultant Windermere Mortgage Services Series LLC/Skagit Valley

Windermere Real Estate/Skagit Valley • 1030 East College Way • Mount Vernon • (360) 424-4901 • 1-800-849-7939 Sherry Johansen 360-421-4111 360-770-9427 360-421-4446 360-941-9443 360-708-5030 425-319-7091

Deborah McNeal Dick Nord Donna Rowell Elizabeth Miller George Bellos Harry Ota

360-707-8073 360-661-6529 360-708-7984 360-420-3607 360-708-9762 360-708-3500

Jake Koetje Jamie Yantis Jannette Krieger Jeri Lee Jim Glackin Jim Koetje

360-466-8045 360-540-5264 360-708-0233 425-239-1382 360-428-2828 360-202-2500

$429,900

Custom sprawling Ranch home offering 2624 SF of open living. 3 beds, 2.5 baths plus office & huge bonus room. Barn w/loft +3 stalls on over 11.5 acres. Call Elizabeth Miller, 420-3607 #766614

17409 DUNBAR RD, MV

$234,500

Very nice 2006 MH on 1.01 acres. Come home to this 3 bed, 2 bath home with separate family & living rooms. Kitchen features maple cabinets, walk in pantry, eating bar, utility off the kitchen. Vaulted ceilings allow plenty of light. 12X24 garage/shop with covered 13X24 RV parking & carport. There is plenty of garden space. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #759820

$359,500

Turn of the century home offering beautiful mill-work & character. Free standing gas stove, formal dining & living rooms. Lg. master suite. Wrap around deck, outbuilding & garage. Exterior access for large attached office w/ kitchen & bath. Great location for possible commercial Business or Residential usage. Plenty of parking. Situated on 3 1/2 city lots Call Linda Eastman, 202-4075 #713580

Nice rambler on 1 full acre in Bow. 3 bdrms, 1 full bath, 1320 SF. Family room is extra-large with a fireplace. Kitchen looks out to the pasture. Call Becky Elde, 770-9427 #665369

16250 PENN RD, MV

Balisa Koetje Becky Elde Bill Krieger Cindy Sullivan Dave Patterson David Mani

$349,900

Near Birdsview, 5 acre mini-farm, mtn. & pastoral views. Kitchen features granite, island, eating bar & open to great rm. Orchard, garden, berries & fenced pasture. Shop w/ garage door. Call Jake Koetje, 466-8045 #749835

426 S. 38TH PL, MV

$190,000

$320,500

Want acreage close to town? Here it is. Shop has 220v, is 36 x 24 with 13’ high ceilings; perfect for indoor RV Parking. 2 bed, 1.5 bath home is well built & has been very well cared for. Westerly views for awesome sunsets. Call Becky Elde, 770-9427 #745798

$99,000

INVESTORS!!! Take a look at this! Great bones just waiting for your personal touch. 1800+ SF 3+ bedrooms, 2 baths on a shy 1/4 acre lot. All the heavy lifting and gutting is done. It’s mostly blank canvas, come make this home shine! Call Jamie Yantis, 540-5264 #755955

3330 BLACKBURN RD, MV

Josh Scott Karen Beckner Karine Anderson Lee Ann Dean Linda Eastman Margy Furst

RE-Weekly.com

360-708-1010 360-840-9455 360-421-1189 360-421-3082 360-202-4075 360-488-3458

Megan O’Bryan Nathan Loeb Rita Ingram Robin Lee Luif Sarah Minton Shawn Danley

360-708-5817 360-333-7197 360-708-8338 360-420-2026 360-770-3076 360-488-3858

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

360-708-3636 360-708-0634 360-333-5815 360-391-5075 360-298-4857 360-420-7291 360-770-2421

April 17, 2015

www.AnacortesRealEstate.com RESIDENTIAL NE

LAND

4608 CUTTER DR, ANA 336 CHINOOK WAY, CENTER ISL

$79,000

Looking for a fun fixer? Located on a beautiful lot on Center Island with a peek of a water view, new metal roof & front door, tons of possibilities. Previous owner had begun replacing the flooring with cork & all of the materials are on site. Needs some new plumbing, wood stove or other heat source & exterior paint. Property is near community club house, caretaker, dock & airstrip. Power & water to house, DSL is available. A short water taxi ride from Anacortes. Sarah Jones 360.375.6142 MLS# 761288 N

5138 WEST SHRORE RD, GUEMES ISL

5149 CAMPBELL LK RD, ANA

$395,000

5617 CAMPBELL LAKE RD, ANA

$244,000

Desirable cottage style 1920 home on a duplex zoned lot with partial views of Mt. Baker & Padilla Bay. Apprx. 1436 SF featuring 2 bedrooms, 1 bath & renovated attic (3rd bedroom &/or extra bonus room). Higher ceilings, arched hallways, HW, French-style kitchen windows, deck, bay/mtn views, expansive yard. Room for RV parking, large garden or another small home compliant with zoning rules. New: electrical, roof, PEX plumbing, water heater, forced air furnace. Paul Weisz 360.391.7281 MLS# 761786

$695,000

Absolutely beautiful setting high above Campbell Lake. Property adjoins the Anacortes Community Forest lands at Mt. Erie. North 12 acres have been designated Conservation Easement but can be used in the density of developing 3 residential lots on the south 6 acres of P19299. The lower 5 acres, P19229 has Lot Cert for one single family residential site. Well is installed but no pump station. Septic is installed. Conduit has been run for power. Old cedars, firs & maples on property. John Prosser Jr. 360.202.3891 MLS# 769680

$175,000

Old Town level lot is 75 x 100 w/great southern exposure for light & improved alley for add’l access. Views are possible from a second story design on this lot! Great location w/easy walking distance to town for shopping, dining & entertainment. Numerous new homes going in around the neighborhood, come be part of the next generation of owners in Old Town Anacortes. Build your own home or as an investor consider a duplex on this lot, also allowed as a permitted use. Colleen Sargent 360.202.2155 MLS# 554188

$695,000

2005 L AVE, ANA

ndermere Mortgage Services at (425) 268-7995

1812 10TH ST, ANA NE

A perfect romantic hideaway, nestled in beautiful moss covered rocks, just steps away from the water. Enjoy the sunny deck & the awesome views of the Olympic Mtns, the islands of Lopez & Decatur & the lovely waterways that connect them all. The cabin is very unique & charming with wood interior, detached master & a fantastic loft for guests. Home has access to shared deep water dock as well as the private community airstrip, clubhouse, small marina & common areas. DSL is available. Sarah Jones 360.375.6142 MLS# 767743

$794,900

Beautiful NW Waterfront log home located on Guemes Isl. with captivating views to the west. Perfect full time or vacation home with all the amenities including a staircase down to an alluring beach. Welcoming cooks kitchen with butcher- block island. Home features: main floor living with updated appliances, many newer blinds, leaf guard gutters, work shop/crafts room, bonus of a heat pump & pellet stove. Short ferry ride from Anacortes to your island getaway. Kathy Rogers 360.941.4400 MLS# 767368

1201 CHINOOK WAY, CENTER ISL

$1,490,000

Watch the ferries sail by from the multiple decks of this spectacular Westcott Bay, 3 bedroom, 3-1/4 bath Cape Cod styled home, part of A Water’s Edge series within San Juan Passage. Level entry living with open concept kitchen, dining & living room. Chef’s kitchen with granite counters & upgraded appliances; spacious master suite; custom 3000 bottle wine cellar. Beautifully landscaped lot borders Overlook Park to the east; enjoy a glorious sunset & cocktail by the cozy fire pit. Bill Robillard 360.770.4707 MLS# 765880 NE

4422 ORCHARD AVE, ANA

$525,000

Great Orchard home has wonderful view of Padilla Bay & Mt. Baker. Quiet off street location this beautiful home has a great living/dining/kitchen combination with high ceilings, fireplace w/flanking built in bookshelves, cherry stained cabinetry, granite counters & stainless appliances. Built for a cook with double ovens & walk in pantry. Two separate decks enjoy the view. Master suite located near laundry. All baths have tile & marble finishes. Lower level family room. RV parking. Debbie Macy 360.391.2422 MLS# 766871

\ 7 A EAGLES NEST DR, LC

$244,000

This fantastic secluded view lot is priced far under the assessed value and offers a wonderful opportunity to be among elite million dollar properties. Bill Robillard 360.770.4707 MLS# 711486

www.AnacortesRealEstate.com

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291 Bill Robillard Buzz Ely Caroline Baumann Catherine Mers Cheryl Frazier

April 17, 2015

360-770-4707 360-202-4626 360-202-7327 360-982-6831 360-202-4789

Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy Gina Davis

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

Jack Dixon Jackie Stone Jessica Notaro Joan Handelmann John Prosser

360-941-5000 360-661-2247 360-202-1441 360-202-4800 360-202-3891

Judy Moore Kathy Rogers Kristi Gabrielse Leigh Zwicker Linda Macy

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360-770-3515 360-941-4400 360-420-3119 360-333-9975 360-708-8284

Margi Houghton 360-202-0041 Nate Scott 360-708-2354 Paul Necco 360-770-5989 Paul Weisz 360-391-7281 Rebecca Chamberlain 360-421-5021

Rick Bennett 360-202-2630 Samantha Masaoka 360-421-5021 Sarah Jones 360-333-2783 Troy Williams 360-708-4923

FEWER DOCUMENTS, MORE BENEFITS FOR BORROWERS

New Consumer ﬁnance rule reduces loan paperwork and aims to make closing more simpliﬁed

urchasing a home isn’t nearly as simple as touring an open house, settling on a sales price and signing a dotted line. There are lots of complicated documents and fine-print-filled forms that also have to be received and reviewed along the way, especially when it comes to securing a mortgage. Fortunately, the Consumer Financial Protection Bureau is instituting changes that aim to simplify the paperwork and process involved for mortgage borrowers. Current rules under the Real Estate Settlement Procedures and Truth in Lending Acts require that multiple forms be distributed to borrowers at several different time points to inform them of the costs and terms of the mortgage. However, these forms contain overlapping information in inconsistent formats, making it challenging for consumers to comprehend the important details they need to make good financial decisions. A new rule from the CFPB – called the TILA-RESPA Integrated Disclosure rule and set to go into effect August 1 – will help remedy this problem by combining four existing disclosure documents into two forms: • A loan estimate, which will have to be delivered within three business days of receiving the borrower’s loan application • A closing disclosure, which the consumer must receive at least three business days before the transaction is completed.

Kimberly Hollingshead, president with a title and escrow company in Franklin, Tennessee, says the new TRID rule will beneﬁt consumers in several ways. “One, consumers will now have loan estimate and closing disclosure information available in both English and Spanish. Two, the information presented will be consistent and much easier to understand. And three, the new rule will eliminate much of the last-minute stress many homebuyers experience,” Hollingshead says. By receiving the closing disclosure at least three days prior to closing, buyers will have ample time to review paperwork and make any necessary adjustments without the immediate pressure of trying to get to the closing table, says Hollingshead. Additionally, TRID will ensure that borrowers receive a reliable, consistent loan estimate from all lenders to whom they provide their personal information. “This will encourage borrowers to shop for their loan,” says Liliana Nigrelli, vice president of compliance for a mortgage company in Brentwood, Tennessee. “Borrowers can also be assured that lenders will be held to the estimates for charges paid to the lender or afﬁliate or charges for required fees in which the borrower had no ability to select the provider.” Keep in mind, however, that TRID may result in delays for some prospective homeowners.

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“The most important change is that the consumer must be given an accurate closing statement, which matches the most recent loan estimate, at least three days before closing. Since that is not the case today, this will certainly delay some closings,” says Casey Fleming, a mortgage adviser in San Diego. To keep the loan and closing process moving along smoothly, borrowers are encouraged to send their financial information promptly to lenders/brokers, suggests Kathy Baird, chief compliance officer for Lending Tree in Charlotte, North Carolina. “If more than 30 days elapse, update that information as soon as possible and ask your lender if they need the new information,” Baird says. “Be willing to accept electronic communications and/or delivery of documents to prevent delay of the process. Lastly, read your disclosure, understand the fees, expenses and reserves required for your loan, and, for anything you don’t understand, ask your lender or personal attorney or financial advisor to explain those terms.” Consumers are also recommended to read the CFPB’s new “Your Home Loan Toolkit” (available for free download at consumerfinance.gov) to better understand the borrowing and closing process and how to find the right lender.

April 17, 2015

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

Q&A

ASK OUR BROKER By Peter G. Miller

Who Covers Shortfall On Reverse Mortgage?

Under the HECM program you must notify the lender of your intent to move. You remain responsible for security, maintenance, taxes, insurance and such until title to the property is transferred. If the lender can sell the property for more than the debt and all related closing costs then I’m moving from my current the matter is closed. If the sale value is home, which is financed with less than the debt the lender will file an FHA reverse mortgage. The a claim against the FHA to collect any balance is about $219,000, but unpaid money. the value of the property is only As to forgiveness in the event of a $190,000. Who is responsible for shortfall, there is nothing to forgive. the sale of the present home and An FHA reverse mortgage is a “nonthe security, maintenance and recourse” loan product. It’s secured by other fees during the process? the value of the property, whatever Who is responsible for the shortfall the value of the property might be. or will that be forgiven? There will be no claims against you. In the case of an estate, there are no claims against the heirs if the property is sold at a loss. An FHA reverse loan, what the While reverse mortgage borrowers government calls a “home equity do not face a monthly cost for loan conversion mortgage” or HECM, is an principal and interest payments unusual form of financing. Available they must pay for such things as to borrowers age 62 and older, the property taxes, property insurance size of the loan has traditionally been and homeowner’s association based on the home’s equity and not fees. Not paying these costs can the borrower’s income or credit. With set off a foreclosure action – and a reverse mortgage the borrower ultimately, big claims against the gets cash from the home but is not FHA. To assure that borrowers required to make monthly payments can make their non-mortgage for principal and interest. The result payments, as of April 27, 2015, the is the size of the loan grows each government will require lenders to monthly because of unpaid interest make a “financial assessment” of all charges. prospective FHA reverse mortgage The loan must be repaid if the borrowers, including a review of borrower sells, moves or passes recent tax returns. If a borrower has away. By moving you will set off an iffy financing, the lender can require acceleration clause, which means a “Life Expectancy Set-Aside” to cover the loan immediately must be repaid such costs, meaning that less money in full. At this point there are two can be taken out of the house in the choices. One is that the lender can be form of cash to the borrower. repaid by selling or refinancing, or the For further information, contact property can be turned back to the your loan servicer or the FHA Servicing lender. Center.

Question:

Answer:

IN PRINT AND ONLINE Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people. “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.

CALL OR EMAIL TODAY! 360.416.2180 • ads@skagitads.com

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CLASSIFIEDS 1 - 4 Bdrm Rentals. Piazza Realty Property Mgmt., Inc. 360-424-RENT (7368) www.prpmrentals.com

EXCELLENT BUILDING SITES WATERFRONT

Buildable waterfront and waterfront access lots in partially wooded rural setting on the Skagit River. Â˝ acre to 1 acre. With power, phone, TV and PUD water at each lot. Above the flood plain. No mobile homes. Terms available. A good selection for sale by private party. Prices vary depending on lot. Call George at 360-391-1470.

10 10- April 17, 2015

Robin Ross Real Estate

Open House 928 Hillcrest Dr, Burl.

OPEN HOUSE April 18-19, 1pm-4pm

Commercial/ Residential Service since 1985

Lake Front 2.5 Acres

A pristine 3.5 acre lake that is located only six miles south of Anacortes and abuts Deception Pass State Park. This certified building lot with large evergreens, water, electricity, cable, telephone, drain field and driveway already available to the home site commands a sweeping view of small island lake. $229,000 obo. Contract is negotiable. Call: 360-293-8636 or Email: fidalgoland@gmail.com

PERFECT 20 ACRES READY TO BUILD ON 19837 Aloha Lane Located half way between Burlington and Bellingham. Gently sloping property with about 10 acres of pasture and balance is lightly wooded. Adjoins hundreds of acres of state forest land up the hill to the east and panoramic views to the west. Ideal setting to build your dream home, and has a paved driveway access, underground power, approved well, and building permit has already been paid! Located 3 miles east of freeway at Alger. $229,500 (MLS #741820) Jeff Ingman Brown McMillen Real Estate (360)202-2859

OPEN HOUSE Saturday, 11am-1pm 12062 Discovery Drive, Burlington

robinrossrealestate@gmail.com

360-941-0408

Open House 17224 Dunbar Road, Mount Vernon

One of the most rare properties in the Valley due to its unique location, in the heart of Skagit Valley farmlands. Private drive & seclusion. Pond, wildlife & an updated modern farmhouse. Formal living rm, dining rm, custom kitchen, bar & open concept living. Shop & large decks. Saturday, 1-4pm Hosted by Laura Kaestner 360-441-5099 Sunday, 1-4pm Hosted by April Wriglesworth 425-387-5300 www.SoriaRealEstate.com

Nothing but extraordinary finishes, views of the valley, & surrounding mountains. Spacious open concept features a formal dining rm, large view decks on both levels, wet bar in oversized entertaining/media room, additional finished room, built-in craft space & exquisite master suite. Saturday, 1-4pm Hosted by April Wriglesworth 425-387-5300 Sunday, 1-4pm Hosted by Laura Kaestner 360-441-5099 www.SoriaRealEstate.com

1804 Tundra Loop, M.V. $309,000.00 Reduced price of $309,000 for this "Better than New" home with fully fenced yard and beautiful interior. Spacious master bdrm with a huge walk-in closet and master bath. Total of four bdrms. Beautiful granite countertops and stainless steel appliances including walk-in pantry; lrg living/ dining room & storage galore! Three car garage and covered RV/boat parking. Arlene Vonachen Century 21 North Homes Realty, Inc., 360-424-2100 360-853-6429

W on Hwy 20, Rt on Pulver, Lt on Peterson, house on corner of Peterson & Discovery. 4BD/3BA, 2066sf. Mountain/Valley views. Stone fireplace, formal LR/DR, updated with custom stone & tile. #406739. $325,000. Host: Gail Lewis 360-708-4928 John L Scott Skagit

WHY ADVERTISE IN THE SKAGIT VALLEY HERALD?

YOUR CUSTOMERS WANT TO KNOW YOUâ&#x20AC;&#x2122;RE GOING TO BE THERE

FOR THE LONG TERM. You should be advertising in these tough economic times. To advertise in the most powerful local media available, call us at 360.424.3251

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REAL ESTATE WEEKLYApril RE-Weekly.com 17, 2015

Open Sat. 11:30-1:30 678 Overlook Ln. Burlington

Two homes on Burlington Hill. One like new. 3+ bdrm, 2+ ba. Mtn & valley views. End of cul de sac. Custom design for ultimate privacy and security. $488,888. The 2nd with finished exterior, wood siding and steel roof, interior finish to the stud level. Amazing views and very secluded. Great buy for builder or building sweat equity. $248,888. John Templeton Windermere Real Estate/ Whatcom Inc., 360-920-5646

LUXURY WITH A VIEW! 1062 Tinas Coma Dr., Burlington

OPEN HOUSE Sat., April 18, 1 to 4

$549,500 Magnificent 180째 views of Skagit Valley from custom architecturally designed, 4 bdrm, 2.5 ba home. Stone columns compliment 2 frplcs in the formal living rm & family rm. Covered deck off kitchen eating area. Master on main, a 2nd master on lower level, recess lighting & coffered ceilings throughout, vaulted ceilings in living rm. Extensive landscaping. MLS 763610 Merrilee Nakao Windermere Arlington 425-327-5058

17786 Walden Drive, Mount Vernon

Everything You Need To Enjoy Life!

Wonderfully maintained 3700 sq. ft. home and sits on approx. 5 acres. Amazing kitchen with quartz countertops, all appliances, dining rm opens to living rm with vaulted ceilings and floor to ceiling windows! Loft-library, butlers kitchen, rec. rm. office, mud rm, many upgrades thru out! Equestrian delight with 3 stall barn! MLS #767537. $459,000.

HOUSE FOR SALE BY OWNER: Lovely 3+ bedroom home on large lot. Features 3 garages, gas fireplace, sunny deck, lots more. 415 Whatcom Street in LaConner. $319,000.00. For more info or viewing call: (360) 770-4794 or email: skagitvuetwo@aol.com.

Dir: College Way to Hwy 9 roundabout, Rt (S) approx. 3 miles. Watch for signs Custom 4BD, 2850sf home on 50ft Big Lake waterfront. Dock, 2 car garage, large lot w/lots of parking. Sunny side of lake. Near golf course. #738117. $619,950 Ron Curry 360-770-1475 John L Scott Skagit

3 Bdrm, 2 Ba, new doublewide Marlette, with 5 year mfg. warranty, large master Bdrm w/full bath & walk in closet, dining & living rooms, large kitchen & pantry, many upgrades, efficient gas heat, nice lot with sun deck. Located in Carriage Estates, a well maintained, quiet, 55+, security/gated community, with clubhouse, RV storage, paved roads & sidewalks. A country setting, yet convenient to shopping, I-5, medical facilities, Gateway to Cascades, San Juans and bus stop. 360856-4054

Anyway You Like it

WE DELIVER

Call Jan Scally for showing 360.421.5160. Brown McMillen Real Estate

Print + Online + eEdition

GREAT TIME TO SELL! Cindy Running Real Estate Broker RE/MAX Valley Homes 360-770-3488 cell 360-424-7166 office cindyrunningrealestate@ gmail.com

REAL WEEKLY RE-Weekly.com AprilESTATE 17, 2015

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If you need assistance accessing the online or eEdition, call 1.800.683.3300

Online + eEdition (digital replica of newspaper) access is available at NO EXTRA COST to Skagit Valley Herald Subscribers. April 17, 2015 11 - 11

14678 STATE ROUTE 9, MOUNT VERNON

$278,000

1802 BAKERVIEW CT, MOUNT VERNON

$129,000

4725 MONTE VISTA PLACE, MOUNT VERNON

$372,500

R AC

10+ ACRES Newer, well maintained modular home on acreage. Large Master bedroom with walk-in closet and en suite with soaker tub. Has two additional rooms that could be used as bedrooms, office or other work areas. Home has a walk through laundry room with utility sink. Roughly three acres of land cleared and most of the rest could be. Close to all amenities. MLS# 684195

XXX SHANNON LAKE RD, CONCRETE 20

EAGLEMONT

Danya Wolf 360-708-8294

$99,500

S RE

Attractive, large lot in beautiful Eaglemont Golf Course community, close to brand new 20,000+ SF clubhouse with Elva Hunter 360-202-3086 fabulous views, dining and full fitness facilities. Complete plans for a beautiful home on this lot are negotiable. MLS# 475295

Love to entertain? The open, spacious floor plan of this beautiful home offers incredible opportunities, which can extend, in nice weather, out onto the two-tiered deck, separate patios and beautifully landscaped yard. Itâ&#x20AC;&#x2122;s obvious this quality home and property have been well cared for. MLS# 706814

1521 N WAUGH RD, MOUNT VERNON

1087 DIGBY RD, MOUNT VERNON

$378,000

ILY

Shirley Bertholf 360-840-1863

$434,000

M FA

ILT MU

HEAVEN ON EARTH!

Bertholf Beautiful, peaceful setting. Imagine waking up each morning to Shirley 360-840-1863 spectacular views of Sauk Mountain, the Cascades, Skagit River & the valley below...! Enjoy privacy in a park-like atmosphere w/panoramic views. Close to town. Nice hiking through forest w/cedar groves. What more could you ask for?

1507 ALPINE VIEW PLACE, MOUNT VERNON

$280,000 36493 CAPE HORN RD, S-W

$178,000

PRICE REDUCED Multifamily Build-to-Suit; up to 13 units possible; we build or you build; conditional use potential for professional/medical offices; All utilities, includes storm retention pond. MLS# 751314

1501 ALPINE VIEW PLACE, EAGLEMONT

Danya Wolf 360-708-8294

Spacious, circular drive to patio, level entry. Quality built & designed w/ vaulted ceilings, covered deck. Main master w/dbl closet/BA & 2 BR/2 BA + office. Down 2 BR/BA, lg fam. rm, could be MIL. Prof. landscaped. RV prkg. Close to Golf, Medical, shy 1 acre. MLS# 524620

$354,000 1913 ARTHUR PLACE, MOUNT VERNON

$155,000

1911 ARTHUR PLACE, MOUNT VERNON

Elva Hunter 360-202-3086

$159,500

S ER

N RI

Beautiful Condo on the 13th Fairway on Eaglemont Golf Course Community. Nice entry w/ Elva Hunter hardwood floors. Spacious kitchen 360-202-3086 w/Island. Large formal dining room w/sliding door to aggregated patio & back yard. Large living room vaulted ceilings & fan. Gas fireplace between living & dining. Master suite w/large walk-in closets & full bath double sinks & jetted tub, separate shower. 2 car garage. MLS# 767183

Spacious, one-level home with 3 Bedrooms, 1.75 Ba in Sedro-Woolley School District has propane heat, well & septic. This home has all that plus a bonus room & is close to river recreation as well as town services. Sandy Everett The double car, attached garage and 360-202-3706 large backyard deck completes this country home. It features has an acre(+-) of level yard for plenty of garden space and play area. A little TLC will make it shine! MLS# 764249

705 N 15TH ST, MOUNT VERNON

XXX STATE ROUTE 9, BIG LAKE

$299,000

$95,000

Enjoy your Condo on the 13th Fairway in beautiful Eaglemont Golf Course. Low maintenance 3 bedroom & 3 bath. Nice large entry Elva Hunter to open living room with 3 sided gas fireplace, vaulted ceilings. Spacious 360-202-3086 kitchen. Master suite w/lg walk-in closet, jetted tub & separate tile shower. Upstairs has a full bath & bedroom ready for your guest! 2 car garage. MLS# 767175

1419 E COLLEGE WAY, MOUNT VERNON COMMERCIAL LEASE

$850 -MO

Corner Lot. Living room with gas fireplace, formal dining, kitchen with eating area and lots of cabinets. Backyard fenced, beautifully landscaped yard. Built as an adult family home. Great income potential! MLS# 31951

Danya Wolf 360-708-8294

Mount Vernon Hill location on extra deep lot; nicely maintained home, New roof; gated and spacious, fenced yard. Zero lot line property. shares wall with neighbor to the east (1913 Arthur Place). Separate tax parcels. NOT A SHORT SALE!!! MLS# 31949

2410 CRUSE RD, SEDRO-WOOLLEY

Danya Wolf 360-708-8294

$380,000

IEW

K LA

NOT A SHORT SALE. Rambler style home adjacent to 1911 Arthur Place, on the hill in Mount Vernon. Generous sized, fenced yard. Zero lot line property shares wall with neighbor to the west (1911 Arthur Place). Separate tax parcels. New roof. MLS# 31941

R AC

PUD Water IS Available! Danya Wolf 360-708-8294

Spectacular lake view and stunning sunsets seen from this lot, located Sandy Everett on the east (sunny) side of the lake! 360-202-3706 Property is in an area of beautiful homes and is located directly north of Big Lake Bar & Grill parking lot. Buyer to verify square footage and utility availability. MLS# 670146

Fantastic Opportunity! Handicap accessible; fresh paint; newly remodeled, updated wiring and Danya Wolf plumbing; 3 offices. 360-708-8294

Remodeled. Open floor plan, newer windows, newer roof, new furnace, lots of room. Great for livestock and berry growing; cross fenced pasture; approx. 15 acres in hay; 2 barns, lower barn has tack room. 20x50 Green house w/power and water. 6 apple trees, 3 plum, 2 Asian pear, 1 peach tree, raspberries and blueberries. MLS#710460

Suzanne Jenkins 360-941-2983

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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April 17, 2015