Real Estate Weekly March 15 2019

INSIDE This Issue

crawl protection

4 reasons crawl space encapsulation may be right for you P. 3

GOODBYE, PMI

How to eliminate private mortgage insurance P. 6

Classifieds P. 7

MARCH 15 - 21, 2019

RE-Weekly.com

INSIDE

TABLE OF CONTENTS

PAGE

7

CRAWL PROTECTION..............P. 3 4 reasons crawl space encapsulation may be right for you

GOODBYE, PMI.......................P. 6 How to eliminate private mortgage insurance

Classifieds...............................P. 7

We have it all!

Bar and counter stools, marble coasters, mud rugs, sofas and love seats, kitchen chairs, coffee and end tables, benches, bookcases, desks, beds and so much more!

RE-Weekly.com To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2018 by Skagit Publishing | All rights reserved.

1827995 1697651

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.

BURLINGTON

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

Territory NW

www.SkagitValleyRealEstate.com

oPen houSe, Sat. 3/16 1-3PM 5520 State route 9, Sedro Woolley

$455,000

Dir: From Sedro-Woolley head North on Highway 9 for about 3.8 miles.

Home sits off the road and is on the left just before Fruitdale Rd.

Nicely updated custom home w/ 4 BD & 1.75 BA. 4.97 Acres. New flooring, windows, & ext./int paint. Fenced for horses w/ round pen & 3 stall barn.Tons of parking including attached 2 car garage. 36 X 28 Shop.

MLS # 1415944

Call Ivana, 770-3550

Mount vernon

$160,000

Unobstructed South-southwest views of Olympic Mountains, Skagit Bay and farmlands. East side borders Little Mountain Park. Property ready for building permit. All utilities paid for and installed to building site. Approved for conventional 3 bdrm septic. Easy I-5 access.

MLS # 1420382

Call WIlMa, 661-1631

Sedro Woolley

$249,950

Bring your ideas. 3BD /1.75 BA w/ 2161 SF. 24 X 30 shop with floor hoist & 220 power. Rare .56 lot just outside city limits. Lots of parking available on this flat partially fenced lot. RV septic connection too. Work needed but will be a wonderful home again.

MLS # 1418273

BurlIngton

$329,000

Stand - alone single level condo. Desirable 55+ in The Cedars.

3 BR, 1 ¾ BA, 1600 sf, 2 car garage MLS # 1408756

Call CharlIe, 708-1415 or JeannIe, 708-9645

Call Ivana, 770-3550

We have Full ServICe ProPerty ManageMent to SuIt all your needS. $350,000

One of the last building sites on Big lake. Rare Southwest location. Huge new dock for access to your home and water toys. Quiet end of the lake w/lots of wild life. Private. Own your own piece of paradise!

MLS # 1365268

Call elIzaBeth, 708-8800

Wilma Louia Designated Broker/Owner 661-1631

2

Charlie & Jeannine Boom 708-9645

Jim Stransky 708-1681

Mount vernon

$485,000

Selling the classic family mini-farm. Up to date with new septic, vinyl windows, hardi-plank type siding & roof. Large country kitchen with updated appliances.

28 x 36 shop built in 2015 has room for all your toys, hobbies or projects.

Fantastic location. Sit on your covered porch & enjoy the sunshine & wildlife.

MLS # 1410156

Call elIzaBeth, 708-8800

Lisa Boon Meyer 420-6608

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Mount vernon

$649,000

Custom built 5 bd & 3 1/2 ba home. 2913 sq ft on .29 ac lot. Expansive west facing deck w/ unobstructed views of Big Lake. Huge finished downstairs w/ an extra kitchen & extra garage w/ separate access for possible M-I-L. Golf course nearby, close to Highway 9 for commuters.

MLS # 1375602

Call tony, 420-0501

Ivana Wood 770-3550

RE-Weekly.com

Mike Welling 540-1341

Debbie Benjamin 708-8780

Tony Zimmermann 420-0501

gIve uS a Call, 755-5555

Arthur Henrichs 389-7879

Kati Shannon 391-1203

Traci Erickson Property Manager 755-5555

1869050

Mount vernon

March 15, 2019

FEATURED HOME, FROM COVER 1513 S. 11TH ST, MOUNT VERNON

$849,999

WINDERMERE REAL ESTATE/SK ESTATE/SKAGIT VALLEY 1030 E. College Way Mount Vernon, WA 98273 MEGAN O’BRYAN (360) 424-4901 • www.windermereskagit.com 360-708-5817

A once-in-a-lifetime opportunity to own this iconic Hillcrest estate, nestled on 1.75 private, park-like acres. Timeless & stunning, this classic shingle style home has updated chef’s kitchen, marble master & guest baths. Inviting, light-filled spaces showcase built-in book cases & window seats, French doors, custom-milled random plank hardwood floors, glass conservatory, & views of the yard from every window. Central courtyard with cook center. Four car garage, wine cellar, sunroom, office, more. MLS #1322488 1869317

Crawl Protection

4 reasons crawl space encapsulation may be right for you Crawl spaces can hide many nasty surprises from the rest of the home.

Things like mold, decay, vermin, and foundational damage may be lurking beneath your floors. So how can you prevent these horrors from taking down your home? One effective method, called encapsulation, might be the answer you seek. Encapsulation is a method of sealing the crawl space from unwanted moisture issues. A heavy-duty barrier is used to completely cover your crawl

360.757.6013 800.869.7084

space, creating an airtight seal that acts as a barrier between moisture from the ground and your home.

How do you know whether encapsulation for your crawl space is right for you?

Check out these four reasons you might consider getting your crawl space encapsulated: Protects Your Home’s Value Homes grow old over time-- floors get creaky, pipes can clank around, and walls continued on page 7

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

NG NDI

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EP L A S

SPENCER ROOZEN 360-708-0634

OPEN HOUSE SUNDAY MARCH 17TH 1-3PM

G

TIN

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NE

LIS

CHARMING HOME…3BD/2BA, open concept, upgraded kitchen w/granite, & SKAGIT GOLF AND COUNTRY CLUB…nice 2 story home on the 9th fairway. spacious family & living room. Large carport, shop w/storage, great outdoor space 4 bdrms, 2.5 baths, and over 2000 SF of living space. Spacious master w/ fireplace. Family room off kitchen w/frpl, plus 2 car garage and separate all on 1.25 acres. Enjoy country living not far from town! $350,000 #1412886 storage building. $382,000 #1420924

N

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MO

W NE

14379 JOSH WILSON ROAD, BURLINGTON JUST LISTED…3-bedroom home with 1 bath and 1568 SF of living space.

Kitchen is updated w/granite and tile flooring, & beautiful GREAT LOCATION…290 FT of level frontage on Memorial Hwy sits this NOOKACHAMP HILLS…spectacular 4 bedroom home located on ½ acre commercially zoned 70,131 SF site. Paved parking for approximately 300 lot with beautiful views of surrounding mountains. Hardwood floors throughout hardwood floors throughout. This home sits on a ½ acre lot in the vehicles. Good investment property! $1,450,000 #1406739 main living, carpet in bedrooms. Spacious kitchen w/large quartz countertop beautiful Bayview area with a large 16 x 28 shop that has power/water island. Deck off front/rear, plus 3 car garage attached. $619,000 #1303142 to it, plus a fenced front/backyard. MUST SEE! $345,000 #1422967 Kristen Tuttle Yvonne Brown Galen Kindred Holly Hilts

March 15, 2019

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

Jeff Ingman Shelah Inman Jodi Dynes Fritz Inman

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

Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

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

Tod LeHecka Jan Scally Dale Owenby Dana Holmes Katie Hilsinger

333-1032 421-5160 913-8662 770-6716 391-3796

3

Patty Fakkema Island County Manager 360.679.5055

Shelley Miner Burlington Escrow Manager/LPO 360.707.2312

Eldon Brown Skagit County Manager 360.707.2158

Christa Canell Freeland Escrow Manager/LPO 360.331.4838

Kari Pittenridge Anacortes Escrow Manager/LPO 360.299.0565

Katey Von Hagel Marketing Representative 360.707.1076

Holly Mathers Island County Title Manager 360.675.2246

LAND TITLE AND ESCROW W

Brandi Jensen Stanwood Escrow Manager/LPO 360.629.9737

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

Visit any of our 5 locations in Oak Harbor, Burlington, Freeland, Stanwood and Anacortes

Ltco.com

The North Puget Sound Association of REALTORS® and its members are hosting a Food Drive all month long!

The recent weather, combined with the earlier gov’t shut-down, has depleted our local food banks, and we hope to fill the truck on March 26th!

If you would like to donate, please feel free to visit any one of our Realtor® or Affiliate offices—which can be found on our website: www.npsar.realtor under ‘Member Info’, or stop by our office at 525 E. College Way, Suite J, Mount Vernon, Mon-Fri from 9am - 5pm.

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

1825912

Sandi riley 770-8670

9212 18Th AVE. WEST, EVERETT

$498,900

MS

O RO

ED

4B

#1417362 • $279,999

OPEN SAT. 1-4:00 CALL SANDI RILEY 360-770-8670 *5 MINUTES TO BOEING, CLOSE TO SHOPPING & SERVICES, DEAD END ST. *GAS HEAT, GAS FIREPLACE, LARGE LOT (DEEP), MUKILTEO SCHOOLS *NEWER 2220 SQ. FT. 3+ (OR 4) BEDROOMS, 2.5 BATHS, HUGE MASTER! 727 CASCADE PALMS COURT, SEDRO WOOLLEY

$254,500

Immaculate 3 bedroom 2 bath home and a large double lot in Clear Lake. Walking distance to Clear Lake School! This property is like brand new inside and out and ready for you to call it yours! Wonderful open floor plan, huge kitchen with breakfast bar and dining area. Private master suite with large attached bathroom.

Plus 2 bedrooms and full bath. Large covered front porch. Huge concrete patio all set on a large lot with tons of room to play and garden. Located in Clear Lake just off HWY 9.

“Fulfilling Northwest Family Dreams” 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

9080 PRESSENTIN DRIVE, CONCRETE

$228,900

LE AB RD O F AF

55+

OPEN HOUSE SATURDAY FROM 1PM-3PM

YOUR HOME FEATURED HERE! CALL FOR A CURRENT “MARKET APPRAISAL” SANDI RILEY 360-770-8670

Sandi Riley 770-8670 2610 E. SECTION ST. ‘LITTLE MTN. ESTATES, MOUNT VERNON

55+

$153,500

31 IT # UN

Like New On Double Lot!

1857185

www.npsar.com

SKAGIT COUNTY FOOD DRIVE

american dream real estate services, inc.

Anacortes Office

Tel. (360) 416-4902

We are partnering with Community Action and the Skagit Food Distribution Center to be sure that all of our local food banks benefit for the generosity of our Realtors®, Affiliates, and the community!

Service you deserve with people you trust

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

Mount Vernon, WA 98273

OPEN SUN. 1-4:00 SANDI R. 360-770-8670 *JUST LISTED, BACK OF PARK CUL DE SAC PRIVACY, WOODS & STREAM BEHIND *NEARLY ALL UPDATED INSIDE & OUT,.,.NEWER ROOF, VINYL WINDOWS, NEW WOOD LAMINATE FLOORS *3 BEDROOMS, 2 BATHS, NEW GAS FURNACE, NEW A/C, BIG DOUBLE CARPORT EASY TO CHANGE TO GARAGE!!

7404 190Th PLACE, ARLINGTON

$675,900

+

+ ACY RIV

P

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

*OPEN LIVING RM/SUNNY KITCHEN & DINING ROOM, ALL APPLIANCES INCLUDED *GAS HEAT, GAS FIREPLACE + GAS RANGE & GAS STOVE IN LOVELY FAMILY ROOM *2 BEDROOMS, 2 BATHS, 1656 SQ. FT., SEMI PRIVATE ELEVATOR, (+ STAIRS) & LG. DECK + GARAGE!

*2+ BEDROOM, 2 BATH W/RECENT UPDATES, POSSIBLE OWNER TERMS! *HUGE GARAGE/SHOP, LARGE FRONT COVERED DECK + STORAGE *TALL CEDARS OFFER PARK LIKE PRIVACY

*3000+ SQ. FT. W/BONUS ROOM UP & LG. DEN/OFFICE ON MAIN *CUSTOM 4 BEDROOM W/MASTER SUITE & GUEST ROOM ON MAIN *HUGE 3 CAR GARAGE, 5 ACRES W/PRIVACY ++, CLOSE TO ALL SERVICES!

2115 BAKER AVE., N. EVERETT

$410,000

ING

D PEN

CALL SANDI RILEY 360-770-8670 *2 BEDROOMS DOWN, 2 UP, FAMILY RM. + BONUS RM. IN BASEMENT *LG. LOT, GAS HEAT, GORGEOUS HARDWOOD FLOORS, NEW WINDOWS *QUIET ST. CLOSE TO PROVIDENCE HOSPITAL, SHOPPING & SCHOOLS

5523 92ND PLACE N.E., MARYSVILLE

$415,900

DING

PEN

997 ChESTNUT LOOP, MT., VERNON

$534,500

SOLD

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

*LG. 1/4 ACRE FENCED YARD, QUIET ESTABLISHED AREA *3 BEDROOMS, 1.75 BATHS, HEAT PUMP (A/C), QUALITY ++ *HUGE 744 SQ. FT. FINISHED GARAGE, LOADED!!

*BEAUTIFUL 55+ 2 LEVEL W/3 BEDROOMS, 3 BATHS TOTAL *GRANITE KITCHEN & 3 PANTRIES, OPEN PLAN *GAS HEAT, A/C, GAS FIREPLACE, GUEST ROOMS UPSTAIRS! 1875082

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RE-Weekly.com

March 15, 2019

Residential NE

W

!

W NE

46408 Baker Lp rd, concrete $165,000 Hard to find 3 bed/ 2 bath situated on .4 Acre lot in the Cedar Grove Community.

Seller opened up the lot to bring sunlight into the vaulted ceilings & south facing windows. Split floor plan offers master w/ bath and 2 secondary beds on opposite side w/ hall bath. New exterior paint, 2 year old roof, large front & backyards, fruit trees, large deck, quiet location, minutes to town, or 30 min commute to Sedro Woolley. Being sold AS-IS, seller will make no repairs. Cedar Grove $70 per year.

Shawn Danley 360-488-3858 #1420464 NE

W

!

icE

!

1719 Grand Ave, Mt. Vernon $459,000 Fabulous well cared for 3 bdrm home in Big Fir North, an over 55 community. This spacious home has nice living area with gas fireplace open to dining, deck and huge kitchen with eating bar. Main level master with large full bath and walk in closet. Office with french doors off entry.

Upstairs is 2 bdrms, full bath and large family room. Large deck with awning. HOA maintains landscape,fences & community Clubhouse. Close proximity to I-5.

Debbie Macy 360-391-2422 #1410745 NE

W

!

4408 Orchard Ave, Anacortes $1,095,000 Open the front door to jaw-dropping views of Fidalgo Bay & Mount Baker!

Traditional elegance w-rich timeless details & the commanding views are hallmarks of this home! Walls of windows allow light-filled spaces. Open floor plan w-multiple view-oriented rooms. Chefs Kitchen w- lots of work space & storage.

Outdoor decks & patio w-outdoor Kitchen expands living spaces. LL includes 2nd Kitchen, Living, BR, BA,Den & Laundry... perfect for MIL or potential rental. Steps to Forestlands & close-in.

Leigh Zwicker 360-333-9975 #1417015

NE

W

!

2302 26th St, Anacortes $464,900 It’s about front porch living. It’s the relaxed small town lifestyle with tree lined streets and neighbors that look out for one another. This 4 bdrm/2 ba home sits high on a large corner lot, enjoys views to the E of Mt. Baker & N to Guemes Channel. Close to ACFL trails, and popular Cranberry Lake. Located close to downtown, Fidalgo Pool, Sr. Center, and Schools. Upgraded features inside, & backyard habitat enjoyed on a western facing patio. RV Parking. 4th Bdrm used as an office/flex room. cheryl Frazier 360-202-4789 #1421534 NE

W

!

4420 cutter Dr, Anacortes $1,750,000 Luxury lifestyle in impressive home with 3057 sqft of living space & fine-tuned detail you won’t want to leave. Enjoy musical ambiance from the ceiling speakers thru-out while enjoying the striking views from every rm. Main flr master featuring spa like bth. Upgraded kitchen w/dble oven, gas range & large island. Lower level has 2 bdrms w/ ensuite bths, office anyone would want & family rm w/wet bar. Expansive decks on both lvls & turf lawn for easy maint. 2 car garage w/shop & sink.

Gina Davis 360-708-7794 #1419362

1869289

568 Seaside Dr, coupeville $559,900 Situated on a double corner lot, this charming Cape Cod is located in the quiet of Pondilla Estates. Watch the eagles soar and take in the stunning ocean and San Juan Island views. The sunsets are simply spectacular. There is private beach access and Fort Ebey state park is only minutes away. This exceptionally well maintained home home features 4 bedrooms, 2.5 baths, a large open kitchen, and gorgeous views from many rooms. A heat pump keeps the home warm in the winter and cool in the summer.

Nathan Loeb 360-333-7197 #1419942

pr

March 15, 2019

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5

Goodbye, PMI

N

ot every homebuyer can afford a down payment of 20 percent or more.

That makes mortgage lenders nervous, which is why many require borrowers to pay for costly private mortgage insurance (PMI).

Fortunately, a borrower can eliminate PMI in a handful of different ways. But it’s important to know what’s involved and how to meet the lender’s requirements to avoid paying PMI for longer than necessary.

“PMI is a specific type of insurance often required when a buyer utilizes a conventional home loan,” says Benjamin Mizes, CEO of St. Louis-based Clever Real Estate. “For most conventional loans, PMI is required when you have a down payment

Online or Office?

Question: If we have a choice between

getting a mortgage online or in a lender’s office, which is better?

Answer: There’s little doubt that the mortgage process has become increasingly automated.

Lenders are spending big money to digitize mortgage applications. The reason is that with automation processing costs can be reduced, mortgage loan officers can handle more cases, underwriters are more efficient and approvals can be quicker.

That said, you’re a borrower. Your definition of a “better” mortgage experience likely means a loan approval with the lowest interest rate, the best terms and the fewest application hassles. You don’t have to move by Tuesday so application speed is not a big deal.

The issue with digital mortgage applications is not that they are somehow innately good or bad. Instead,

6

the real question is how do you fit in the system?

If you’re a borrower with strong credit, a job that produces W-2s and accounts with lots of cash and other assets, you will likely fly through any mortgageapproval system. But what if you’re a marginal borrower with a few credit dings? What if you changed careers 18 months ago?

In some situations, borrowers may be rejected by automated systems but that does not mean their applications will be declined. Instead, such applications will be manually reviewed. With such systems, both borrowers and lenders get the best from automation. If somebody can go through an electronic system and be approved, then why not?

Alternatively, if somebody has a more complicated application, then you want a skilled underwriter to review your file. With some explanations and maybe an exception, you might get your financing.

To their credit, automated systems are getting better.

As an example, in 2019 lenders will increasingly ask

RE-Weekly.com

How to eliminate private mortgage insurance less than 20 percent.

Lenders require PMI to protect them in case you can’t afford to pay your mortgage, the loan defaults, and the home eventually goes into foreclosure.”

In these circumstances, PMI prevents the lender from losing money.

“After the home is foreclosed upon, the lender will then sell the property. The difference between what the lender sells the property for and what is owed is the deficiency. The lender will request payment from the PMI company,

for most, if not all of that deficiency,” Gerald E. Robinson, broker/ owner of 1st Choice Mortgage Company in Meridian, Idaho, says.

PMI costs, which can be paid upfront, monthly or through a combination of both, commonly range from 0.5 percent to 1.5 percent of the original loan amount, according to Mizes.

“For a home worth $300,000 and a PMI rate of 0.5 percent, you might pay $1,500 a year toward PMI,” says Mizes. “Over the course of your loan, that can be a lot of money.”

Robinson notes that PMI rates can also vary based on your FICO credit score, debt-toincome ratio and number of borrowers on the

Q&A

ASK OUR BROKER

By Peter G. Miller

for permission to directly track bank account activity.

If you say yes, then newly-developed credit-scoring systems will be able to reflect not only whether you make timely payments but also the way in which you use your cash. It’s expected that the use of these systems will significantly increase applicant approvals.

With an automated system hooked into bank accounts, for example, a lender might not require you to provide bank statements for the past several months, including blank pages. This saves time copying such paperwork and it also means the lender doesn’t have to worry that information on paper forms has been changed. Everyone wins.

Lenders have an obligation under the Ability-to-Repay rule to verify that borrowers have the capacity to repay residential mortgage debt. That’s great if it can be safely done with software, but as a borrower you always want the option to have your application reviewed by an actual human – just in case.

March 15, 2019

loan.

“A borrower with a 740 FICO score who puts 10 percent down on the home but has two borrowers on their $200,000 loan will have a lower PMI rate than a single borrower with a 680 FICO score who puts 5 percent down on a similar $200,000 loan. The latter might pay $160 a month versus the former who might pay only about $52 a month,” Mizes adds.

In any scenario, the PMI payments can be a drain on the borrower’s finances—all the more reason to work toward eliminating it as soon as possible. Here are a few ways to accomplish this goal: Meet the minimum down payment required by the lender. Some lenders require less than 20 percent down to avoid PMI—for example, for a 10 percent down payment the minimum credit score would be around 730, says Mizes. “You can also pursue a down payment assistance program in your area that may be able to get you into a home with little to no money needed for a down payment and no PMI required,” Robinson says.

Pay the entire PMI cost upfront in one lump sum, either in cash at closing, or by rolling the cost into your loan amount. This option means you’ll never have to pay PMI payments again on the same loan.

Pursue a split-premium PMI whereby you pay a percentage of the entire PMI amount in a lump sum during closing and then pay the March 15, 2019

remaining balance in monthly installments.

Request a lender-paid PMI (LPMI). In this scenario, your lender pays the mortgage insurance for you but raises your mortgage rate to cover its costs.

You may pay less per month with this option than if you pay for PMI yourself; however, LPMI can’t be cancelled, so it’s probably best for borrowers who don’t plan to keep the mortgage for more than a few years.

Wait until you’ve accrued 22 percent equity in your home (when your loan principal falls to 78 percent of your home’s value, which can often take 11 years or longer). At this point, PMI should cancel automatically. Laura Endres, attorney with Taylor, Eldridge and Endres, P.C. in Smithtown, N.Y., says that you can ask your lender for PMI to be removed at 80 percent. “If you fail to do so, you are making up to two extra years of payments,” she says, adding that there is no exact percentage at which PMI ceases.

“Each bank has different requirements.”

“Sometimes it makes perfectly good sense to put less money down and pay the PMI monthly, especially if you want to keep cash on hand for financial emergencies and unforeseen costs associated with buying a home,” says Jeremy Sopko, CEO of Cleveland-headquartered Nations Lending. “Remember that PMI isn’t evil – it enables you to finance a home even if you lack the necessary down payment.”

Crawl Protection continued from page 3 need to be repainted.

That’s just life. One other thing also grows with time -- subfloor degeneration. Subfloor degeneration is caused by rotting due to trapped moisture in your crawl space that then clings to the subfloor of your home, rotting it from within. The moisture from the ground continues to get pulled into the structure, causing instability issues and, in extreme cases, very costly repairs that can devalue your home. By encapsulating your crawl space, you can prevent this subfloor damage and protect your home’s value for years to come.

2. Prevents Last Minute Inspection Problems If you want to sell your home eventually, you will have to prepare for inspections. One inspection should account for your crawl space, and if issues are found, could cause serious roadblocks in your ability to sell your home, Structural issues in the crawl space can tie you up months for months with repairs, renovations, and re-inspections. By encapsulating your crawl space in advance, you can give your family peace of mind in knowing that their crawl space will be

dry, strong, and free of unwanted issues.

3. Protects Your Home’s Foundation Your crawlspace directly influences the stability of your home’s foundation.

If moisture and mold is allowed to grow freely in your crawl space, this can lead to serious foundational problems in your home, such as warped tiles, leaks, and more. Sealing that moisture from the space beneath your house can ensure that its foundation is secure, and protect the interior of your home in the process.

4. Saves You Money Sealing moisture out of your crawl space can also shave dollars off your energy bill! If your crawl space is leaking moist, ground-level air into your home, your energy bill will fluctuate wildly as temperatures change throughout the year.

Encapsulation prevents the water vapor from the ground from entering your crawl space. This is especially useful if your crawlspace is vented, because this seals those vents, which helps regulate your home’s temperature.

With encapsulation, your AC or heating unit won’t have to work double time to achieve the right temperature, and your wallet won’t, either.

RE-Weekly.com visit re-weekly.com to easily search for local real estate listings! easy to use tools & the most up-to-date information for finding local real estate

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CLASSIFIEDS

3 BUILDING LOTS LEFT -VACANT LAND- Ready to Build / Starting at $56,000. Mountain Views.

Bring your builder!

5,086 sf +., 67 lots sold.

Established NEW Neighborhood. Utilities are in the road. W. Gateway Height Loop.

SedroWoolley, WA 98284 1Call: Alex Thomas, 425-422-8942, Realogics Sotheby's Int'l Realty MLS #1368077 MLS #1221519 MLS#1241737

FSBO Anacortes Newly remodeled 3 bedroom 1.75 bath rambler, 984 sq. ft. near Storvik Park, stores and Island Hospital.

New wood floor, sheet rock, paint, kitchen, granite counter tops, subway tiles, G.E. Appliances and bathrooms completely updated.

Hunter Douglas blinds, new roof, energy efficient double pain windows, Lennox forced air natural gas furnace. Insulated, new plumbing, upgraded electrical, deck and large fenced backyard, 6969 sq. ft. lot. $379,500.

Please call (360) 8558091 to make an appointment.

PUBLISHER'S NOTICE

Find your bargain today!

Smart shoppers know about the bargains hidden within the Classified pages. In the Classifieds, you can track down deals on everything from tickets to trailers.

It’s easy to place an ad or find the items you want, and it’s used by hundreds of area shoppers every day.

Call 424-4567 to place an ad.

10 - January 29, 2019

All rental and real estate for sale advertising in this newspaper is subject to the Fair Housing Act which makes it illegal to advertise any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention, to make any such preference, limitation or discrimination Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18. This newspaper will not knowingly accept any advertising for the rental or sale of real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertising in this newspaper are available on an equal opportunity basis.

To complain of discrimination call HUD at (206) 220-5170.

7

24054 TRINITy lANE, SEDRO WOOllEy

$525,000

This quality, customer hope excudes beauty, light, warmth, and tranquility.

Love to entertain? The open floor plan flows easily from room to room, spilling out through elegant 9 ft.

French doors onto a full-length deck.

Or spend a quiet evening relaxing in the hot tub, with intimate access through another set of French doors off the master.

Shirley Bertholf MLS# 1418912 360-840-1863 3789 E. DIVISION ST., mOUNT VERNON $650,000 4628 pARKVIEW lANE, mOUNT VERNON

Great 10 acre development property for higher end homes or Planned Unit Development. Amenities include: Public Utility District Water, Cascade Natural Gas, Puget Power (Puget Sound Energy), high speed internet, city garbage pickup and access to city sewer. Beautiful Wooded property with territorial view and open park-like setting.

Includes vintage home with basement and detached garage, and is currently rented. Danya Wolf MLS# 1299587 360-708-8294

A 29+

A RARE FIND! Almost 17 acres, mostly pasture, out of flood plain. Beautiful 1-acre bldg site, with water/power in street. Soil test, 2004. Designated Open Space Recreational.Inthepast,landhasproducedstrawberries, corn, and, most recently, hay. Rich soil includes lagoon area, used by former Dairy Farm next door. If you are longingforafewacrestotryyourhandathobbyfarming, whether planting crops, grazing beef cattle, or raising Shirley Bertholf horses, etc., this is your golden opportunity!

360-840-1863

23786 KAmlOOp CT., mOUNT VERNON

C

$395,000

REs

360-708-8294

$599,000

Enjoy amazing sunsets from over 1500’ of westerly erly facing waterfront. w es with a fully stocked You’ll have complete privacy on 25 park like acres st es tto the freeway, fishing lake. Best of all, Lake 16 is only 5 minutes 30 minutes to Everett, 30 minutes to Bellingham (time approx).

Parcel is serviced by a newly paved road as well as Skagit County PUD water nearby. Property is sub-dividable or keep as a personal estate. There is nothing olanda SSakuma else like this currently available, Carla Fischer Yolanda 360-982-0010 360-421-0435 you will be duly impressed!

601 OlympIC VIEW DR., COUpEVIllE PR

$315,000

I C E!

Enjoy the deer and view in this peaceful eful setting with apple, apple plum and pear trees. 3 bed/1.5 bath. Lots of closet space. Relax on your private upstairs balcony. Basement has been used as a workroom and provides ample storage space.

Metalroofapproximately5yearsoldw/100year Carla Fischer warranty. Minutes from the Coupeville Ferry. 360-982-0010

$55,000

Ready to build level lot with 3 bedroom septic in place.

Power and water on property. Trees provide privacy. Gated boat launch, community beach access, tennis courts, large gazebo and community Yolanda Sakuma park. MLS# 1363180 Carla Fischer Suzanne Jenkins 360-421-0435 360-982-0010 360-941-2983

$445,000

Beautiful home well maintained in the Thunderbird development at end of road in cul de sac. Lots of room in this 2522 sq.ft. home with 5 beds/2.5 baths and awesome hardwood floors.

Very spacious kitchen with breakfast table and formal dining. Roomy Master bedroom has bath with jetted tub, shower, privacy toilet, nice walk-in closet.

One very well producing apple tree. New furnace installed last October.

BRETT TACKER 360-840-7931 MLS# 1417266

1618 UNISON plACE, mOUNT VERNON

$834,000 lOT 18 TRIllIUm lANE, CONCRETE

Classic large one home on the 12th Fairway Golf Course in beautiful Eaglemont. 3 stories with plenty of room. New carpeting and all new stainless steel appliances and granite counters. Gracious entertaining with living room, formal dining & kitchen w/great room & atrium.

Curved staircase to lg. mater & walk-in closet & 5 piece bath & 4 bedrooms, 2 baths. Downstairs with spacious family room, wet bar, pool table, sauna, 2 bedroom & 2 bath. 3 car garage & tile roof. JOHN Hunter Elva Hunter 360-202-3854 360-202-3086 MLS #1234575

$29,900

Lovely future building site requisite on using water catchment system to obtain building permit.Powertotheproperty.Nicelytreed level tract of land with open area ready for building in the future. Paved street.

Walking distance to Rasar State Park!

Danya Wolf MLS# 1254912 360-708-8294

Homebuyer Education Seminar Sat., Mar. 16, 2019 • 9:30am-2:30pm Skagit Tradition Realty 3780 E. College Way

To pre-register call Marlene McCalib • (360) 202-2484 Bob Hoerner • (425) 949-2279 bob.hoerner@movement.com NMLS# 978954

fOR vOTing yolanda Sakuma S 360-421-0435

Large lot in Nookachamp Hills Community. Beautiful country setting overlooks a private lake for you to enjoy. Less than 10 minute drive to the city of Mount Vernon. All utilities are stubbed to the lot.

MLS# 1059504

1015 NEZ pERCE DR, mOUNT VERNON

Build your dream home with beautiful river and mountain views. Waterfront property with building site high above river to enjoy those views.

A five bedroom septic system and power are already in place and set back from the road to enjoy the peaceful setting and views. John Deere lawn tractor is included with property. Must see to Carla Fischer 360-982-0010 appreciate. MLS# 1380219.

NEW

Fabulous views from northwesterly portion of this largely wooded 29+ acre tract; great neighbors! Old family homestead.

Power at road. Owner has marked trail through property to building site.

One residence per Whatcom County.

Danya Wolf MLS# 1400280

$155,000 7358 SKAGIT VIEW DR, CONCRETE

$200,000

$719,000 xxx DAISy lANE, lAKE SIxTEEN, mOUNT VERNON

Brand new home in sought after Eaglemont Golf Course Community! Luxury living in this custom 3,315 sq.ft. home, light and bright 4 bedroom 3 1/2 bath. Lg kitchen w/SS appliances, granite counters & island. Great room w/gas fireplace, deck overlooking nature. Main floor living w/master & bath w/jetted tub, shower & walk-in closet, utility room.

Upstairs w/ 2nd master & bath + 2 bedrooms. Additional SF downstairs ready to complete, AC & tankless water heater. Situated on a quiet peaceful Elva Hunter JOHN Hunter street! MLS#1405852 360-202-3086 360-202-3854

24072 TRINITy lANE, SEDRO WOOllEy $194,000 9277 STEIN RD., CUSTER

42875 RIVERS EDGE CT., CONCRETE

Utilice su devolución olución de impuest impuestos como pago!!

Este año, utilize su devolución de impuesto para algo que usted podrá apreciar durante años - UN HOGAR! Llame hoy para averiguar cómo

360.424.0300

Skagit tradition realty BEST REal ESTaTE OfficE!

3780 E. College Way, Mount Vernon

www.skagittraditionrealty.com 1869062

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RE-Weekly.com

March 15, 2019