Real Estate Weekly | May 22, 2015 by Skagit Publishing

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

INSIDE RE-Weekly This Issue THE BEST USE OF YOUR MONEY P. 4

Q & A: ASK OUR BROKER P. 4

MISSION: DOWN PAYMENT FEATURE HOME: 2332 CROSBY DRIVE, MOUNT VERNON Robin Luif, Windermere Skagit

RealEstate weekly

SEE PAGE 5 FOR MORE

$449,950 (360)420-2026

A supplement to the Skagit Valley Herald and the Anacortes American

P. 8

CLASSIFIEDS P. 1011

MAY 22 - 28, 2015

Re-Weekly content sponsored by: Heritage Bank

TABLE OF CONTENTS The Best Use of Your Money

P. 4

Q & A: Ask Our Broker

P. 4

Mission: Down Payment

P. 8

Classifieds

P. 10-11

PAGE

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

Stanwood $121,000 Beautiful 93’ waterfront lot on Sunday Lake. Build your dream home. Just minutes from I-5. Enjoy all that Sunday Lake has to offer. MLS #451898 Call Mike, 540-1341

Mount Vernon $184,950 Charming 3 BR, 1 BA Craftsman style home. Lg. bdrms w/Cedar lined closets feat. built-ins. Light & bright kitchen w/original hardwood cabinets. Wood fireplace insert easily heats entire home. Fully fenced garden & private patio. 1 car garage w/ shop/work area. Come see today! MLS #772427 Call Ron, 333-1045

Sedro-Woolley $219,000 Contemporary style home with spacious floor plan. 3 BR, 2.75 BA. Family room w/fireplace. Large formal living room. Upper level w/master & private bath. Fenced yard with beautiful views. MLS #705763 Call Elizabeth, 708-8800

Burlington $299,950 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

Burlington $485,000 Quality 3 BR, 2.5 BA home in no flood zone area. Kitchen feat. granite countertops & stainless appl. Gas fireplace in fam. rm. & French doors to patio. Professionally landscaped yard w/sprinkler system. Att. 3 car garage. Heated outbldg. & greenhouse. A must see home! MLS #761042 Call Wilma, 661-1631

Mount Vernon $245,000 Welcome home! Many original features like hardwood floors, arched doors, etc. Lots of build-ins to add to the character of this home. 2 BR, 1.5 BA, possibility for a 3 BR. Gas heat supplemented w/wood fp. New roof in 2014. Workshop & lots of storage & shelving in basement. Private backyard. MLS #775438 Call Ivana, 770-3550

Mount Vernon $259,000 Conveniently located between Burlington & Anacortes. 3 BR, 2 BA home. Kitchen feat. top of line stainless refrigerator, range, dishwasher, & microwave. Master suite incl. lg. closet & full bath. 3 car attached garage. Nicely landscaped lg. yard. MLS #772553 Call Wilma, 661-1631

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

Mount Vernon $595,000 Lovely Bayview home with water view. Situated on 2.7 ac w/views of Padilla Bay & Olympic Mtns. Open sunny floor plan, lg. kitchen, granite & more. Lg. master suite w/jetted tub on the entire 2nd floor. 3,120 SF hm w/lots of storage! Hay & RV space w/loafing shed for horses. Detached 2 car garage/shop w/full bath. Pond, pasture, fruit trees, & mature landscaping MLS #753801 Call Kirk, 770-7470

TIN LIS

Stanwood $295,000 Clean & neat rambler. 3 BR, 1 ¾ baths, 1466 sq. ft. Nat. Gas heat + wood fireplace. Nice addition of family rm. Fully fenced .21 acre lot. 2 car attached gar. + extra prkg. MLS #790606 Call Charlie, 708-1415 or Jeannie, 708-9645

Wilma Louia Designated Broker/Owner 661-1631

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

Corinne Cartwright 202-2397

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Maggie deSouza 610-8413

Ayla Contois 610-1652

Kenny Sides 982-3400

Shelley Sides 472-1873

Jennifer Baker 220-1526

Steph Vervaart Property Mgmt Assistant

Traci Erickson Property Manager 755-5555

May 22, 2015

STAT

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

Number of “Top 10” appreciating markets that are located within a 75-mile radius of the California Bay Area. FYI: Conversely, six of the “Bottom 10” are located within a 100-mile radius of the Northeast coastal area.

Mission Statement: The Nor th Puget Sound Association of Realtor s advocates for Realtors and their clients, provides services to help members prosper, and promotes the protection of property rights.

Source: Veros Real Estate Solutions “VeroFORECAST” report

Eaglemont Rambler in quiet cul-de-sac. 3BR.,2 BA..#781629 $379,000 NEAR KAYAK GOLF COURSE..13.77 acres in secluded setting. Opportunity knocks, just $49,500. #733011 56 WOODED ACRES..w/paved road frontage . High land across from Skagit River w/beautiful views. $119,500. #601056 STANWOOD CAMPSITE..3 aces in Stanwood, Nicely wooded with a stream running through it. $24,500. #688959 LEVEL 4 ACRE PARCEL..zoned Multi-family within the City of Mt. Vernon. Potential for various housing development, close to college, schools & medical. 180,000. #693883

Jodi Dynes Terri Heyntsen Holly Hilts

May 22, 2015

333-7783 391-0938 661-5538

www.npsar.com

Sellers can get creative when trying to attract prospective buyers to their homes - filling them with warm scents, providing the perfect lighting or playing up fun and interesting features. Another popular option is home staging, which involves arranging and decorating the home in a way that appeals to a wide range of buyers. In the National Association of REALTORS®’ new 2015 Profile of Home Staging, 96 percent of REALTORS® assisting buyers thought that staging had an impact on buyers at least some of the time (49 percent reported staging had an impact on buyers most of the time while 47 percent believe staging impacts buyers some of the time). While staging can help attract prospective buyers, REALTORS® say it can also bring in more money. The report also found that REALTORS® believe staging increases a buyer’s perceived value of a home from 1 to 5 percent (according to 37 percent of REALTORS® representing sellers and 32 percent of REALTORS® representing buyers). Source: www.realtor.org

OPEN HOUSE SAT. 5/23, 12-3 PM 3801 LAUREL CT, MOUNT VERNON HOSTED BY RON WORTHAM

Tel. (360) 416-4902

Consider Staging to Attract Buyers, Add Value to Home

BEST COAST

360.757.6013 800.869.7084

Mount Vernon, WA 98273

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

A HOME YOU’LL BE PROUD TO OWN..on the first fairway of Skagit Golf & Country Club, 3 Br., 2 1/2 Ba., formal living/dining rm w/gas frpl.&,fam. rm hs vaulted ceiling, private patio. $325,000. #773230 READY TO BUILD..31 Lots in Nookachamp Hills near Big Lake. Water, Sewer, Electric & Nat’l gas to each lot. Priced from $84,000-$145,000. # 746424 -#746695 20 ACRES.. of gently sloping land just 3 miles from freeway, half pastures & includes good well w/pd Bldg Permit $229,500. #741820 FIXER UPPER ..on almost one acre. Needs lots of TLC but has a large lot, and a great country building site. $119,500. #755395

Tim Reichert Jeff Ingman Shelah Inman

391-5587 202-2859 661-0145

SHORT DISTANCE..to downtown Fairhaven, salt water bay view! Top B-Ham South Hill area, beach access. 3 or 4 Br/office 3000+Sf on quiet dead end street. $625,000 #789690 DOWNTOWN MOUNT VERNON..excellent 2 story office/ retail bldg. Separate entrances allow multiple tenants, great opportunity. $430,000. #658726 PRICE LOWERED.. 2 BUILDING LOTS in Mount Vernon, priced at assessed value. $63,600 731632 BUILDING LOT IN MT. VERNON..South end of Mt Vernon, Lg private lot at end of road. $49,000. #694415 BURLINGTON PROFESSIONAL BLDG…1579 sf bldg in great Burlington location. Currently a dental office, great layout for variety of businesses.Adjoining lot also available. $299,900. #733399

Tod LeHecka Fritz Inman Jan Scally

333-1032 661-0147 421-5160

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NESTLED IN THE WOODS..beautiful setting for this 2135 sf home on allmost 3 private acres w/a creek. 2 Br up, lg open kitchen & living rm, Bdrm or MIL downstairs, 2 car garage plus a lg shop! $289,900. #748973 NOOKACHAMP HILLS.. Gorgeous views, 5 Br., 3 Ba.. Spacious mstr suite, kitchen w/granite, walk-in pantry, eating bar. Great family rm on lower floor, media rm & more. $429,900. #772302 BUILT AS A B&B..4.87 acres fully fenced, beautifully maintained, ready for animals, 36X32 barn & outbuildings. Home or Lodge has 5 Br, mstr on main + 2 other sleeping rooms. Great price $585,000. #735543 BURLINGTON BLDG SITE..nice end of cul-de-sac, level lot off Anacortes St in Burlington. $63,000. #694499 SAMISH ISLAND..no ferry, one level w/over 2700 sf. Private setting,lots of skylights, living rm w/fireplace, family rm w/gas stove. 3 Br, 1 3/4 Ba & dble garage. $329,950. #773960

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

Galen Kindred Travis Lohman

770-7083 661-4533

Q&A

MORTGAGES:

ASK OUR BROKER By Peter G. Miller

CAN I HANDLE MY OWN ESCROW? Question:

The Best Use Of Your Money Put down more or save for other expenses? Here’s what to consider when it comes to making the down payment

And, anytime a borrower makes a down payment less than 20 percent of the purchase price, he’ll be charged mortgage insurance, usually tacked onto the monthly payment. The smaller the down payment, the higher the charge. Keith Gumbinger of mortgage data site HSH. com illustrates: Someone buying a $100,000 home, t takes dedication and making a 10-percent discipline to save for a down payment ($10,000) down payment. and getting a 4-percent Once potential buymortgage would pay ers accumulated those $429.68 in mortgage precious dollars, they will principal and interest, want to allocate every plus $45.75 monthly for dime to their best advantage. Surprisingly, that may mortgage insurance. If mean diverting some cash the same buyer put down 5 percent, the mortgage to other purposes. insurance charge would Consider: The lower a be $72.84 monthly, and borrower’s credit score, the higher the interest rate mortgage charges would be $453.55. on the mortgage. Even a Maybe someone who quarter of a percentage has a high balance on a point higher in rate can couple of credit cards, translate to $100 or more explains Doug Robinson, monthly. spokesman for the hous-

ing nonproﬁt NeighborWorks. Since high credit card balances are a drag on credit scores, and mortgage charges rise for lower scores, paying down cards could be the most advantageous route. Experts say lenders should help borrowers run various scenarios (Gumbinger points borrowers to the mortgage calculator on his site, HSH. com). Moreover, says Robinson, many homes have costly surprises, and it’s prudent to keep some money in a savings, and not use all for the purchase. Finally, closing costs – fees for parts of the purchase transaction like the title search – might be picked up by the seller, but buyers should plan for these fees in the pre-purchase fund.

Instead of an escrow account run by a lender, I’d like to pay my own property taxes and insurance. Why is it that mortgage lenders do not allow such arrangements?

Answer: An escrow account is a trust account. Lenders or their mortgage servicers collect money each month as part of the mortgage payment to pay for insurance and taxes, and, sometimes, other costs. If you borrow with less than 20 percent down virtually all lenders will want an escrow account to reduce the risk they might face if property taxes or insurance are not paid. Escrow accounts, however, are not mandatory. Lenders allow borrowers to pay their own property taxes and insurance – just borrow with at least 20 percent down and in most cases you will be entirely free to pay for taxes and insurance without an escrow account. The catch, of course, is that most borrowers do not purchase with 20 percent down. The average down payment last

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year was 14 percent, or $32,141, according to RealtyTrac. There was a time when I though escrow accounts were a bad deal, in large measure because savings accounts paid lofty interest levels. Those days are plainly over, but more importantly the economy has changed in other ways. For instance, every state saw its middle class shrink between 2000 and 2013, according to new research from the Pew Charitable Trusts. Because of changing economics escrow accounts now make a lot of sense because they can be seen as a form of budgeting, even for those who put down more than 20 percent. With an escrow account money is collected every month so the borrower never faces the need to instantly raise a few thousand dollars – or more – for tax payments or insurance bills. Moreover, with the money in place to pay bills in a timely manner there are no worries regarding late fees or credit dings. It’s the loan servicer’s job and responsibility to assure that payments are made in full and on time. If you’re really bothered by escrow accounts then save up for a big down payment. Otherwise, the odds are overwhelming that an escrow account is in your future.

May 22, 2015

FEATURE HOME FROM COVER: 2332 CROSBY DRIVE, MOUNT VERNON

$449,950

Windermere Real Estate/Skagit 1030 E. College Way Mount Vernon, WA 360.424.4901 www.WindermereSkagit.com

Contemporary home with westerly sunset views. Spacious foyer into the living room with large windows, a fireplace & a door to the covered deck. Kitchen with Viking range, a big pantry & room for eating in. There is a formal dining room. The master suite has floor length windows that look out to the backyard. A beautiful bath with natural stone & hand turned pottery sinks. There are 3 more bedrooms. On the lower floor there is a family room with a fireplace & a patio area, an exercise room, & a 2nd kitchen. MLS #785767

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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Robin Luif, 360.420.2026

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make great lenders Umpqua’s home lenders are local experts equipped with an array of options for your purchase, refinance or new construction. Plus, we’ll stick with you every step of the way—because that’s what good neighbors do. Contact your friendly, local Skagit Valley Area Home Lender today.

Susie DeVries

Travis Brewer

Bob Hoerner

Mortgage Loan Officer NMLS # 487442

Mortgage Loan Officer NMLS # 55324

Mortgage Loan Officer NMLS # 978954

360-416-2332

360-416-2337

360-416-2335

umpquabank.com

Member FDIC

Equal Housing Lender

NMLS # 401867

Loan products subject to credit approval. Other terms, conditions, restrictions & fees may apply. Full documentation, title & property insurance required. Flood insurance required if property is located in a Special Flood Hazard Area.

May 22, 2015

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www.WindermereSkagit.com RESIDENTIAL 696 SHELTER BAY DR, LA CONNER $118,750 Fannie Mae owned home located in Shelter Bay Community. Cute 2 bedroom with finished area in basement for a den office or bonus room. Nice backyard & separate garage. New paint, flooring appliances. Call Karine Anderson, 421-1189 or Tasha Zhalis, 391-5075 #734172 2540 E BLACKBURN RD, MV $124,500 1940’s Bungalow Style home on large lot. 2 beds 1.75 baths. This Fannie Mae home has several out buildings, mature trees, & tons of possibility! Call for your showing today! Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #750978 7393 RIETZE ST, CONCRETE $124,900 Quiet & serene home located near downtown with many upgraded features like a large open floor plan, spacious kitchen with beautiful cabinetry, newer propane stove, newer floors, large master bedroom, & 2 generous sized secondary bedrooms. Out back there is a wood. Large garage. Call Tiffany Danley, 360-2984857 or Shawn Danley, 360-488-3858 #731652

322 N 6TH STREET, MV $215,000 Mount Vernon Hill home, 3 bdrms, remodeled kitchen & bath. Large open living & dining room, several built ins, high ceilings, wide trim, country style front porch & covered utility/mud room. Close to High School, YMCA, medical district & I-5. Fenced back yard, custom made chicken coup & large garage. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #764196 NE

22893 COMMERCIAL ST, LAKE MCMURRAY$237,950 Beautiful 1 level home offering a great floor plan, 2400+ SF coffered & vaulted ceilings, french doors, open floor plan. Plenty of natural lighting & spacious rooms with a huge kitchen for entertaining, bonus room. Outbuilding & a gorgeous yard, covered front porch views towards Lake McMurray. Call Linda Eastman, 202-4075 #781927

We’re committed to our Community, and it shows. 735 CASCADE PALMS CT, SW $155,000 Hard to find single story end unit with a garage in a 55+ adult community. Well maintained & like new, large kitchen pantry, separate den/office off kitchen, neutral colors & large master suite with walk-in closet. Close to all the city amenities, come & enjoy the wonderful town of Sedro-Woolley. Call Deborah McNeal, 707-8073 #749682 NE

2424 E. MEADOW BLVD, MV $195,000 Well-cared for home with a great open floor plan. 3 bdrms, 1.75 baths. Living room boasts a gas fireplace, cathedral ceilings & an attractive bay window. Kitchen is very spacious with loads of counter space & utility room/pantry off the kitchen. Call Sarah Minton, 770-3076 #787288 18161 JOY PLACE, BURL $204,900 Great Fannie Mae home located on large lot. Detached 2 car garage, fenced backyard, 3 bdrms, 1 bath, new paint, appliances, countertops, & flooring. This property has so many possibilities. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 #790083

17289 COLONY RD, BOW $250,000 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, 7709427 #665369 1520 LINDSAY LP, #2, MV $255,000 Beautiful 1700 SF. Condo located in Maddox creek! Master bedroom & living area on main floor, bonus room located upstairs & 2 bedrooms & full bath located on the lower floor. Westerly facing deck on main floor & a patio on the lower floor. 2 car private garage. Call Spencer Roozen, 708-0634 #732785 7117 WORLINE RD, BOW $285,000 Experience panoramic views & outstanding sunsets from this unique 4 story home on .19 acre. 1876 SF, 2 beds, 1.75 baths in the beautiful Bow area. Office/ bonus room on main w/new bamboo floors + top floor master w/gas stove, bath & total privacy. Detached 1 car garage w/extra shop area. Home has extensive decking & hot tub off LR. Call Karen Beckner, 840-9455 #781519 49447 SKAGIT RIDGE RD, CONCRETE $289,900 Charming river front cabin with guest cottage. 2 beds/1.5baths, over 1300sqft of cozy awaits. Gorgeous views of Sauk Mtn. Call Elizabeth Miller, 420-3607 or Travis Miller, 4207291 #766400

3631 WOODLAND PL, MV $290,000 Shy 3000 SF home on quiet & private setting. 4 beds + newer mother-in-law apt w/kitchen & 3/4 bath over the garage w/separate entrance. Attached oversized 2 car garage w/huge shop area. Large master on main. Call Karen Beckner, 840-9455 #779194 1527 BRENTWOOD LN, MV $372,500 Luxury living on 1 level offering a grand entry with 8’ leaded glass doors, Spacious open floor plan, vaulted ceilings, extensive mill-work, beautiful master suite with gas fireplace, master bath, 2 large walk in closets, built in TV above Jacuzzi tub & marble floors. Call Linda Eastman, 202-4075 #749519 NE

329 BARRY LOOP, MV $374,950 5 bedroom 4,000+ SF home has tons of living space for everyone, Super-sized home features 1 main floor bedroom, plus 4 big bdrms upstairs. Master suite w/his & hers walk-in-closets, 5 piece master bath. Bonus room w/vaulted ceiling. Gourmet kitchen w/granite, island, butler’s pantry, breakfast bar, eat-in area, walk-in pantry/ mud room. Call Megan O’Bryan, 708-5817 #787964 7963 STATE ROUTE 9, SW $395,000 24.42 acres on the edge of town w/pasture, some fencing. Very cute & clean 3 bed, 1.75 bath farmhouse w/ tons of brand new updates, including: Cement board siding, vinyl windows, carpet & flooring. Call Megan O’Bryan, 708-5817 #731363 NE

17194 COHO CT, MV $425,000 Immaculate 5 bedroom home in Nookachamp Hills. This 3548 SF home has been beautifully designed with elegance in mind. From the formal pillars in the dining room to the crown molding you will find quality construction throughout. The main floor master suite has a deluxe bath & lg walk-in closet. A great family room with wet-bar in the daylight finished basement. More info & photos at SkagitValleyHomes.com Call Bill or Jannette Krieger, 421-4446 #788481

17075 ISLAND VIEW LANE, LA CONNER $469,900 Gorgeous views of Skagit Bay through floor to ceiling windows! Custom 2,647 SF home with 4 beds & 2 baths with community beach access. Call Elizabeth Miller, 420-3607 #744129 3471 RENEE DRIVE, SW $560,000 Expansive view of Lake Whatcom on 5 acres with a bright spectacular home. All the amenities & high end appliances you would expect. Recently updated including a new hot tub. Sunny downstairs is great for entertaining or guest quarters. 4 bay 60 x 40 shop has upstairs 1,200 SF Apt that is framed, wired & plumbed. Call Deborah McNeal, 707-8073 #777036 6441 ERSHIG RD, BOW $695,000 Beautiful Custom home on 11 acres. Gourmet kitchen w/ s.s. appliances & conc. c-tops, soaring 30’ wood beamed clgs., cherry hardwood floors, lush grounds & enormous 45x75’ shop, 2,940 sf, 3 bedroom + Loft, 2-3/4 bath. More photos and information at SkagitValleyHomes.com. Bill & Jannette Krieger 360-421-4446 #756681 215 LILAC DR, MV $739,900 Elegant home on .8 ac with full 2nd living quarters. 5 bdrms, 6 baths, 5212 SF. Upgrades include counter tops, refinished hardwood, paint, fixtures & more. Patio, upper view deck, sports court & 4 parking bays. More info at SkagitValleyHomes.com. Call Bill & Jannette Krieger, 421-4446 #607213 20742 SKAGIT CITY RD, MV $799,000 Stroll back in time to when homes were full of character & charm. This turn-of-the century home is known as TerraBella, an event venue. You’ll appreciate the period specific details of this home. Several vintage outbuildings, a new shop & endless destinations on this fully landscaped 1.6 acres. More info at SkagitValleyHomes. com Call Bill or Jannette Krieger, 421-4446 #750442 9934 SAMISH ISLAND RD, BOW $825,000 Rare Opportunity! Samish Island true waterfront home-no road between you & the beach. Eichler-style Mid-Century Modern design home with great views, family room, dining room, covered patio, double garage, & a sunny deck. Easy staircase to beach & a full concrete bulkhead with a small studio. A wonderful island getaway. Call Jim Scott, 708-1000 #775005

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 April Axthelm Balisa Koetje Becky Elde Bill Krieger Cindy Sullivan Dave Patterson

360-661-4947 360-421-4111 360-770-9427 360-421-4446 360-941-9443 360-708-5030

David Mani Deborah McNeal Dick Nord Donna Rowell Elizabeth Miller George Bellos

425-319-7091 360-707-8073 360-661-6529 360-708-7984 360-420-3607 360-708-9762

Harry Ota Jake Koetje Jamie Yantis Jannette Krieger Jim Glackin Jim Koetje

360-708-3500 360-466-8045 360-540-5264 360-708-0233 360-428-2828 360-202-2500

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

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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

Sherry Johansen 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

May 22, 2015

www.AnacortesRealEstate.com RESIDENTIAL NE

4536 SOUTH SHORE DR, GUEMES ISL. $1,150,000 Beautiful, quality, custom home & 818 SF guest house on a stunning, shy one acre, low bank waterfront lot. Great room w/vaulted ceilings, fireplace, dining area with access to a patio. Kitchen with adorable breakfast nook. Large master suite with master bath & sitting area. Great views of the islands, Guemes Channel & boat traffic. Southwestern exposure, wonderful gardens & a lawn in back to the beach. Walk for miles on the beach. Garage w/storage rms, enclosed carport w/windows. Margi Houghton 360.202.0041 MLS# 784625

4914 KINGSWAY, ANA $425,000 These spectacular views just don’t quit!! 2 story view home w/3 bedroom, 2-1/2 bath. Bonus room & library. Low maintenance yard with just enough garden space for your favorite flowers. Plenty of sun & light. RV parking space available to the right of the driveway/garage. Great appliances, central vac, radiant floor heating in kitchen, gas fireplace in living room. Kristi Gabrielse 360.420.3119 MLS# 786552 NE

W NE

ndermere Mortgage Services at (425) 268-7995

907 35TH ST, ANA $318,000 Charming brick home, centrally located close to schools, parks & shopping along with convenient Hwy 20 access. Large picture windows take in the water views & make this home bright & cheery. Main floor has large master bedroom & bath along with beautiful hardwood floors & wall to wall carpet. Backyard is fully fenced & beautifully landscaped. Paved RV parking provided along east side of home. Mature landscaping abounds front yard. All, a must see! Jack Dixon 360.941.5000 MLS# 787128

NHN SAN JUAN HILL LN, ANA $165,000 A rare one and a half acre + building site located on San Juan Hill. Plan your dream estate property with plenty of room for a multitude of different style house plans and configurations, detached garages, outbuildings or space for all your hobbies and interests. A country setting with brush area and treed spaces, views of the bay with clearing. Easy to build with water, gas and electricity at the street. Sale includes 3 tax parcels P60695, P60689 and P60692; survey complete. Colleen Craig 360.770.9638 MLS# 786897 NE

LAND

2102 23RD ST, ANA $237,000 Welcome home! Charming 3 bedroom 1.5 bath home is centrally located near desirable amenities. Spacious living with classic mid-century feel. Wonderful easy care yard with outdoor fireplace, partially fenced includes two garden sheds for storage as well as off street parking. RV parking is also available with convenient clean-out as well. Newer roof and fresh interior paint. Oak floors underneath wall-to-wall carpet. Paul Weisz 360.391.7281 MLS# 785583 NE

2015 27TH PL, ANA $547,000 This one level 2,944 square foot home is located in the desirable neighborhood of Pleasant View. This home is the perfect size for one level luxury living and boasts a chef’s kitchen and an open floor plan. Bright and spacious interior has custom molding throughout the 10’ ceilings and a spectacular master suite. Wonderful south facing back yard allows easterly views of the bay and Cascade mountain range. Fabulous “in town” location convenient to amenities and an over-sized garage as well. Paul Weisz 360.391.7281 MLS# 787292

1602 26TH CIR, ANA $345,000 Lovely J Avenue Cottage - Quality built home in town offers comfortable efficient living. Lock the door & leave with no maintenance worries. Built green with lots of style - vaulted ceilings, cozy fireplace, beautiful kitchen, master suite, office and laundry all on main level with no steps from garage. Upstairs is wonderful sunny loft seating area plus an extra bedroom/bath for guests. Finishes of hardwood floors & tile baths. Great for homeowners on the go or second home. Debbie Macy 360.391.2422 MLS# 789402

827 BELLA VISTA LN, BURLINGTON $3,500,000 58.71 acres, 9 tax parcels, the west portion of Burlington Hill. Highly desirable undeveloped view property. A landmark in the Skagit Valley. Easily accessible to I-5 and Hwy 20, The North Cascades Hwy. The incredible views are far and wide including cities of Burlington and Anacortes, the Olympic Mtns, San Juan Islands, the bay, the strait, Vancouver Island, and much, much more. Rick Bennett 360.202.2630 MLS# 782403

MANSFIELD CT, ANA $80,000-$110,000 Spectacular views abound from any of these 7,500-14,579 SF building sites; these lots are perched just above the treasured Tommy Thompson with access to the waterfront trail just across the street. Enjoy ease of access to all that downtown Anacortes has to offer. All utilities in street. Colleen Craig 360.770.9638MLS# 788315 & 788386 & 788437 3804 MARINE HEIGHTS WY, ANA $450,000 Sweeping views of all the light and beauty from this 25,000+ sf gorgeous building lot. Location in Castilleja Bluff. Ready to build w. all utilities on-site, enjoy the best of views and privacy combined on Fidalgo Island. All skyline amenities included. Colleen Craig 360.770.9638 MLS# 439889

www.AnacortesRealEstate.com

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

May 22, 2015

Cheryl Frazier Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy

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

Gina Davis Jack Dixon Jackie Stone Jessica Notaro Joan Handelmann

360-708-7794 360-941-5000 360-661-2247 360-202-1441 360-202-4800

John Prosser Judy Moore Kathy Rogers Kristi Gabrielse Leigh Zwicker

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360-202-3891 360-770-3515 360-941-4400 360-420-3119 360-333-9975

Linda Macy Margi Houghton Nate Scott Paul Necco Paul Weisz

360-708-8284 360-202-0041 360-708-2354 360-770-5989 360-391-7281

Rebecca Chamberlain 360-421-5021 Rick Bennett 360-202-2630 Rob Skelton 360-488-3776 Sarah Jones 360-333-2783 Tom Parr 360.941-7242

MISSION: Down Payment SAVING FOR A DOWN PAYMENT IS TOUGH, BUT THERE ARE PROGRAMS THAT CAN MAKE BUYING EASIER

he will is there, but the way is murky. Surveys show that young adults – traditionally a big home buying group – would like to purchase homes but face far more hurdles to doing so than previous generations. “It’s especially difﬁcult for them,” says Jessica Lautz, survey director for the National Association of Realtors. Income levels are lower than they’ve traditionally been,” Lautz notes, and student loan and credit card bills hamper savings, making the down payment the No. 1 hurdle for ﬁrst-time buyers. Still, experts say recent changes in lending rules and special programs can help hopeful buyers conquer a seemingly impossible mission. CHECK OUT GOVERNMENT LOANS

One-quarter of the millennials (age 34 and younger) who bought last year got a cash gift from friends or family to help them ﬁnance their purchase, according to the NAR. Many buyers don’t have anyone to gift them down-payment cash, but Uncle Sam, trying to foster home ownership, offers government-backed low- or no down payment loan programs. Some agencies –the Veteran’s Affairs and the U.S. Department of Agriculture, for example – offer mortgages available to certain borrowers, with eligibility guidelines on each agency’s websites. But the Federal Housing Administration – a more widely available government loan – allows a down payment of 3.5 percent of the purchase price. Visit hud.gov for more info.

tional” mortgages recently have been dropping to encourage homebuying. For instance, new Fannie Mae and Freddie Mac rules allow down payments of just 3 percent of purchase price for qualifying borrowers. For these very lowdown mortgages, though, “Any reputable lender wants to see that a borrower has good credit and has demonstrated the ability to repay the INVESTIGATE THE mortgage,” says Douglas LATEST MORTGAGE Rotella, executive vice OPTIONS president at HomeBridge Even without an Financial Services. acronym like FHA or VA, “These loans represent most loans have gova great opportunity for ernment involvement. ﬁrst-time buyers, but to Government-sponsored maximize it, they should enterprises Fannie Mae be diligent in making or Freddie Mac buy mortgages from lending sure their credit scores companies, and therefore are as high as possible,” dictate rules on how they adds Rotella. Free classes and should be made. coaching to boost credit Down-payment minimums on these “conven- and savings are available The FHA, accepting credit scores as low as 580, has been popular since credit standards tightened after the ﬁnancial crisis. “If you have a low credit score it pays to shop around, since one lender might reject your credit score ... but another will accept it,” says Erin Lantz, vice president for mortgages at real estate site Zillow.

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at nonprofits around the country, also listed at www.hud.gov, points out Doug Robinson, spokesman for NeighborWorks, a housing nonprofit. GET A GIFT Many hopeful firsttime buyers are receiving gifts, but lenders will want to ensure it’s really generosity motivating the donor. “[The individual giving the gift will] be asked to sign [a letter] that states that they don’t expect to be paid back,” says Neil Caron, vice president at Freedom Mortgage Corp., in South Windsor, Connecticut. For FHA loans, the entire down payment can be a gift, adds Caron. “It used to be that borrowers had to use their own funds for at least 5 percent of the down payment on conventional

loans, but now it can all be a gift – if the borrower is buying a single family, principal residence,” Caron adds. No relative with ready cash to give? “Buyers should really look to see if there are any state or local programs that assist with down payments,” says Lautz, who suggests browsing homebuying programs listed at hud.gov. It can be an uphill battle to come up with the down payment, but by ﬁnding the right places to look for help, more should be able to buy, concludes Caron.

May 22, 2015

“IF YOU HAVE A LOW CREDIT SCORE IT PAYS TO SHOP AROUND, SINCE ONE LENDER MIGHT REJECT YOUR CREDIT SCORE... BUT ANOTHER WILL ACCEPT IT.” ~ Erin Lantz, Zillow

May 22, 2015

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CLASSIFIEDS OPEN HOUSE Saturday, 11am – 3pm 711 Pyramid Peak Pl., Mount Vernon $265,000

Cute studio apt., by SV Hospital, $500 mo., $300 damage dep., incl. W/S/G, no pets, no smoking. 360-336-2322 or bradpickett@comcast.net

1 - 4 Bdrm Rentals. Piazza Realty Property Mgmt., Inc. 360-424-RENT (7368) www.prpmrentals.com Anacortes 3 bdrm, 2 ba, dbl garage, new appliances, gas furnace. Lease $1595 + $2000 dep. 360-679-3355

Warehouse – office, 1066 sq. ft. of office, 4,060 sq. ft. of warehouse, 600 sq. ft. of mezanine, 12x14 drive in door & loading dock, gas heat & AC. Burlington. Call Allen Brown, 360-770-9877.

EXCELLENT BUILDING SITES WATERFRONT

FOR SALE BY OWNER 1800 N. 32nd Pl., M.V. $187,000

BUILDINGS, INC. 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

FOR SALE: 1973 single wide manufactured home located in Sedro-Woolley. This 2 bdrm, 1 bath home resides in a 55+ trailer park. Home has a carport, back deck, fully fenced backyard and a 30'x15' living room that has been added. New furnace installed in February 2015. Includes cable, water, garbage/sewer. $13,500. Inquires may call 360-856-1916 for appointment.

TRUSTED LOCAL Construction Roofing Gutters www.spane.com

800-310-2136

Lic#SPANEBI141JD

26456 Hoehn Rd. Sedro Woolley, WA

Historic 1910 Skiyou School House. Turn of the century home; original bell tower, fir floors, cloak rms, vintage Monarch cook stove & enchanting character. 3300 sf, great rm w/ lrg windows & 20 ft ceilings. Spacious updated gourmet kitchen, 3 bdrm, 2 ba & office. Outbldgs, 650 sf of add'l living space above garage, fully fenced ac. w/views. Shown by appt. MLS#787305. $385,000. For more info contact: Julie Cooper 360-391-0992 juliecooper@cbbain.com

Skagit Highlands 2 story that lives large. Downstairs, 2688s.f., 3 bdrm/2.5 ba, possible 4th bdrm/den/living rm/office and a large back patio. Great layout for entertaining. Upstairs, a large Master bdrm, master bath with back-to-back sinks, big walk-in closet, 2 more bdrms and a loft. A lot of house for the money. Professionally Marketed by DIANNE MATTHEWS 360-840-3488 Keller Williams Western Realty

Unobstructed 180° view of Saratoga Passage, sunsets, Mt. Baker and Olympic Mountains. Private community boat ramp. This daylight rambler has a gourmet kitchen w/large island work space, walk-in pantry. Main floor: gas fireplace, master suite, den, utility room, central vacuum system, electric furnace w/heat pump. Lower level: free standing gas stove in family room, 2nd bdrm, full bath w/sauna, a full size kitchen complete w/applcs. For appt call (360)387-9669

Partnership, equal ownership, beautiful custom Craftsman style home, ocean view, Bellingham channel. Call for details, 360-941-1823

Buildable waterfront and waterfront access lots in partially wooded rural setting on the Skagit River. ½ 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- May 22, 2015

FOR SALE BY OWNER 1053 Shorecrest Place Camano Island List Price $785,000

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.

1990 Marlette 1500 sq ft mobile home, 3 bdrm, 2 bath located on .25 acre in a quiet neighborhood. A must see, newer 30 yr comp roof, sheet rocked interior w/vaulted ceilings. Hardwood floors in living/dining room, new carpet thru-out. Enclosed porches, sunroom, detached garage/shop area, totally fenced. For appt., please call 360-853-5178.

OPEN HOUSE 23090 Buchanan St. Mount Vernon $589,000

Saturday, 1-4pm Hosted by Carla Fischer 360-982-0010 Sunday, 1-4pm Hosted by Shirley Bertholf 360-424-0300 www.SoriaRealEstate.com

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REAL ESTATE WEEKLY May RE-Weekly.com 22, 2015

Anyway You Like it

WE DELIVER Print + Online + eEdition 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. REAL WEEKLY RE-Weekly.com MayESTATE 22, 2015

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May 22, 2015 11 - 11

2410 CRUSE RD, SEDRO-WOOLLEY

$370,000 14678 STATE ROUTE 9, MOUNT VERNON

$278,000

23515 LAKE CAVANAUGH RD, MOUNT VERNON $295,000

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23142 STATE HIGHWAY 9, MOUNT VERNON

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$359,000

W NE

LIS

BUILD YOUR DREAM!

Incredibly private yet just ten (10) minutes from town, this 20 acre Remodeled. Open floor plan, Newer, well maintained building site is ready for your house newer windows, newer roof, new manufactured home on acreage. plans! The road is in together with the furnace, lots of room. Great for Large Master bedroom with walkdrilled well and the septic system plus Danya Wolf livestock and berry growing; cross in closet and en suite with soaker Danya Wolf a foot print for the former log home. fenced pasture; approx. 15 acres in Suzanne Jenkins tub. Has two additional rooms that 360-708-8294 Fenced area with horse paddock 360-708-8294 360-941-2983 hay; 2 barns, lower barn has tack could be used as bedrooms, office or other work areas. and water for your large pet of choice! 28 x 54 shop with room. 20x50 Green house w/power and water. Home has a walk through laundry room with utility super high ceilings plus a carport for five (5) separate 6 apple trees, 3 plum, 2 Asian pear, 1 peach tree, sink. Roughly three acres of land cleared and most of recreational vehicles or utilitarian equipment. Windmill raspberries and blueberries. MLS#710460 the rest could be. Close to all amenities. MLS# 684195 included! MLS#780865 17226 SR 536, MOUNT VERNON $277,000 4725 MONTE VISTA PLACE, MOUNT VERNON $362,000 2680 118TH AVE SE #103, BELLEVUE $239,000

Solidly built home in lovely setting with views of Lake McMurray. 6.96 acres is home to mature timber, fruit trees, blueberries, fenced garden area, extra garage/shop and outbuildings. Deeded access to Lake via parcel P61944 (included in sale). Sense of privacy despite proximity to Highway. New carpet in bedrooms, new roof on detached garage/shop, new garage doors on both home and shop. All appliances, riding mower, weed-eater, and brand new, Sears, selfpropelled push-mover included in sale. MLS# 780521 36493 CAPE HORN RD, S-W

$168,000 3729 SWAN CT, MOUNT VERNON

Shirley Bertholf 360-840-1863

$395,000

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N RI

B BUSINESS OPPORTUNITY Great opportunity to set up your chiropractic business! This converted home has roughly half of its space devoted to the practice and the other Russ Lanker half as living space. The chiropractic 360-708-1117 practice area includes a waiting area, office manager space, treatment room, massage room, and patient restroom. The living space includes two bedrooms, a living room, kitchen, bath and laundry room. Roof and siding new in 1999. The site offers outstanding exposure and the building is zoned rural business. MLS#780847

Love to entertain? The open, spacious floor plan of this beautiful home offers incredible Bertholf opportunities, which can extend, Shirley 360-840-1863 in nice weather, out onto the two-tiered deck, separate patios and beautifully landscaped yard. It’s obvious this quality home and property have been well cared for. MLS# 706814

XXX STATE ROUTE 9, BIG LAKE

1521 N WAUGH RD, MOUNT VERNON

$95,000

IEW

LY MI

ILT MU

Country atmosphere just minutes to town. Custom home with four nice-sized bedrooms- all separate Danya Wolf from one another, gas fireplace 360-708-8294 in living room, den, master bath w/walk-in tiled shower, separate garden tub, double sinks and privacy commode. Gas furnace and water heater. Generous 3 car garage, spacious 12.5’ x 30’ deck. Private deck off master. MLS# 773463 $59,000 1802 BAKERVIEW CT, MOUNT VERNON $129,000

Spacious, one-level home with 3 Bedrooms, 1.75 Ba in SedroWoolley School District has propane Sandy Everett 360-202-3706 heat, well & septic. The double car, attached garage and large backyard deck completes this country home. It has an acre(+-) of level yard for plenty of garden space and play area. A little TLC will make it shine! MLS# 764249 1830 STATE ROUTE 9, SEDRO-WOOLLEY

K LA

$378,000

Great location w/easy access to I-405, downtown, parks and trails. Good sized Master w/ full bath and 2 closets. 2nd bedroom has French doors that open to private balcony. Carla Fischer 360-982-0010 Wood burning fireplace in living room. Individual garage and two additional parking spots w/permits. Clubhouse w/sauna and workout room. Pets allowed with restrictions. SS subject to lien holder approval. MLS # 763294 XXX SHANNON LAKE RD, CONCRETE $99,500 20

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Heaven on Earth! PUD Water IS Available! Spectacular lake view and stunning sunsets seen from this lot, located on the east (sunny) side of the lake! 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 Sandy Everett 360-202-3706 availability. MLS# 670146

1211 N 8 ST #4, MOUNT VERNON

$56,000

OWNER FINANCING Multifamily Build-to-Suit; up to 13 units possible; we build or you Danya Wolf build; conditional use potential for professional/medical offices; All 360-708-8294 utilities, includes storm retention pond MLS# 751314

2930 ARAPAHO PL., MOUNT VERNON

D OL

Convenient location. 1 1/2 miles to I-5, 1/2 mile to shopping and 1/4 mile to Madison Elementary School. Nice kitchen with spacious area for Danya Wolf dining table; sliding glass door onto 360-708-8294 deck with nice view of trees. Brick fireplace. Stacked washer/dryer. Heavy duty cleaning, and you have a lovely home! Owner occupants only. MLS# 742761

$232,000

Beautiful, peaceful setting. Imagine waking up each morning to spectacular views of Sauk Mountain, the Cascades, Skagit River & the Bertholf valley below...! Enjoy privacy in a Shirley 360-840-1863 park-like atmosphere w/panoramic views. Close to town. Nice hiking through forest w/cedar groves. What more could you ask for? MLS#175569 1700 N. 17TH STREET, MOUNT VERNON $234,950

D OL

Remodel includes added formal dining area. Many upgrades inside. Lower level features a recreation Sandy Everett room with its own fireplace. 360-202-3706 Beautiful, large, private yard includes a greenhouse, 2 2-car garages, deck and a great patio. Located at the end of a quiet cul-de-sac in a neighborhood of nice homes. Interior square footage to be verified by buyer. Appointment required with 24 hours notice. MLS# 641525

EAGLEMONT

1.31 Acre lot ready to build on! Water and septic ALREADY IN. Possible view of Samish River and Mountains. Enjoy wildlife and eagles as your Suzanne Jenkins neighbors! MLS# 772475 360-941-2983

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

4518 EDGEMONT TERRACE, MOUNT VERNON

$275,000

D OL

Beautiful well-loved 1,856 sq. ft. 3 BD/1.75 BA home. Master bedroom has 3/4 BA. Skylights, ceiling fans, newer vinyl windows, 1-car garage with shop space, windowed DutchDanya Wolf door in spacious laundry, beautiful 360-708-8294 slider in dining room to backyard, two fabulous fireplaces to enjoy. MLS# 746147

Incredible valley and mountain view from custom 3,174 square foot 3 bedroom, 2.75 bath rambler with granite kitchen counter tops; brick masonry heatalator fireplace; bay window off of living room; daylight basement; wraparound decking; and stair steps along easterly side of home. All nicely framed with fir, cedar, and maple trees, beautiful rhododendrons; and a circular driveway with lots of parking at the top! Best of both worlds: close to town yet private setting on park like 4/10 acre tract. MLS#783331

Danya Wolf 360-708-8294

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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May 22, 2015