Real Estate Weekly | November 21, 2014 by Skagit Publishing

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

INSIDE RE-Weekly This Issue

MILLENNIALS AND THE MARKET P. 4

FEAR IN THE TIME OF BUYING P. 8

Q & A: ASK OUR BROKER OPEN HOUSE: Sat. Nov. 22, 10am-1pm & Sun. Nov. 23, 1-4pm • New Price!

FEATURE HOME:

SEE PAGE 5 FOR MORE

4725 Monte Vista Place, MOUNT VERNON Shirley Bertholf, Skagit Tradition Realty

RealEstate weekly

A supplement to the Skagit Valley Herald and the Anacortes American

$372,500 (360) 840-1863

P. 9

CLASSIFIEDS P. 1011

NOV. 21 - 27, 2014

Re-Weekly content sponsored by: Heritage Bank

TABLE OF CONTENTS

You Find It, We Fund It.

P. 4

Fear in the Time of Buying

P. 8

Q & A: Ask Our Broker

P. 9

Classifieds

P. 10-11

PAGE

RE-Weekly.com

Our home loans fit just about every need and they come with extremely competitive rates. For more information, stop by any Heritage Bank Office. Or just give us a call.

SKAGIT PUBLISHING

MEMBER FDIC

Anacortes (360) 299-4816 Burlington (360) 757-5073

Millennials and the Market

Mount Vernon (360) 757-5073 Sedro-Woolley (360) 757-5073

www.heritagebanknw.com

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 MS TER information provided by advertisers. ER

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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

Sedro-Woolley $144,950 Fantastic home on a double lot. Great location. Walking distance to schools, town & parks. Huge fenced yard with shop. Mature fruit trees. Great garden area. Move-in ready! MLS #680588 Call Elizabeth, 708-8800

W NE

D CE DU RE

Mount Vernon $199,950 Beautifully updated 3 BR, 1.5 bath home. Situated on nice size corner lot. Kitchen totally updated including cabinets & countertops. Nice size dining area w/slider to cute pvt patio area. Crown molding, mopboards & designer paint make this a wonderful choice. MLS #717869 Call Ivana, 770-3550

Burlington $239,000 Solid rambler on .34 acre lot. 1544 SF. Nice sized bedrooms, 1.75 baths. Oak kitchen, hardwood floors. Formal living room w/gas fireplace. Master BR feat. walk-in closet & spacious bath. Fenced level backyard with great sunsets. MLS #702013 Call Ron, 333-1045

E IC PR

Wilma Louia Designated Broker/Owner 661-1631

Mount Vernon $284,900 Craftsman style home. Featuring 3 BR, 2.5 BA, 2000+ SF. Kitchen w/granite counters. Eating bar open to living room, with small deck. Downstairs master bedroom. Family room with large deck. 2 car attached garage. MLS #686815 Call Traci, 391-2969

AL NT RE

Concrete $299,950 Extremely well maintained home. 3 BR, 2 BA, 1671 SF. Vaulted ceilings, skylights & gas FP in great rm. Roomy kitchen w/eating bar. 35x52 shop w/.5 bath. 5 level and cleared acres. Beautiful mountain views! MLS #629051 Call Debbie, 708-8780

Sedro-Woolley $165,000 Wonderful traditional home. 4 BR, 1.5 BA. Beautifully updated w/new flooring & paint. Detached shop/garage. This home is move in ready. MLS #644414 Call Elizabeth, 708-8800

G TIN LIS

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Burlington $449,000 Well maintained Farmhouse on 9.44 acres. Close to I-5 & town w/ country feel. This home has many updates, bamboo flooring, kitchen appl. & more! 3 BR w/master on main, 1.75 BA. Propane fireplace in living room. Lots of extra storage throughout home. Oversized 2 car garage plus add’l outbldings. MLS #708661 & MLS #708681 Call Traci, 391-2969

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Burlington $469,950 Owner Terms. Two 10+ acre parcels. One parcel with shop. Both parcels ready to build!. Breathtaking views. MLS #603028 & MLS #603044 Call Elizabeth, 708-8800

Ivana Wood 770-3550

Mike Welling 540-1341

RE-Weekly.com

Mount Vernon $550,000 Custom Big Lake View home. Rambler w/daylight basement. Built in 2003, on 0.42 acre. 4 BR, 3 BA, 4322 SF. Finished, heated 3 car garage w/shop. Many great amenities must see! MLS #664286 Call Charlie, 708-1415 or Jeannie, 708-9645

Debbie Benjamin 708-8780

Corinne Cartwright 202-2397

Maggie deSouza 610-8413

Sedro-Woolley $1300/mo Plus a $1300 security deposit. 3 BR, 1.75 BA country home. Situated on approx. 1 acre with garage/shop space. Separate laundry room with washer/dryer. No pets. 12 month lease required. Call Property Management, 755-5555

Ayla Contois 610-1652

Steph Vervaart Property Mgmt Assistant

Traci Erickson Property Manager 391-2969

November 21, 2014

SANDI RILEY 770-8670

North Homes Realty Inc. 410 MANITO DRIVE, MT. VERNON HU

S GE

$264,500

• 1/3 ACRE W/WOODED PRIVACY, NEWER DETACHED SHOP! • 3 BEDROOMS, 2.5 BATHS, GAS HEAT, 2 GAS FIREPLACES • LG. FAMILY RM., OVERSIZE DOUBLE GARAGE, + SHOP!

2018 32ND. STREET, ANACORTES LA

S GE

3719 SWAN ROAD, MOUNT VERNON

OPEN HOUSE: SAT. & SUN. 12:00-3:00 SHELLY C. 708-4377/ARLENE V. 853-6429

$254,900

Sandi Riley 770-8670

SH . V.

IN-

LA W

N AI

$449,000 LG

OPEN HOUSE: SAT. & SUN. 12:00-3:00 • SANDI R. 770-8670/ LARRY L. 982-0447 • COUNTY APPROVED “ACCESSORY DWELLING”/MOTHER-IN-LAW 1 BD., 1 BA. APARTMENT! • 1+ ACRES, CLOSE TO SERVICES, UPGRADED “MAIN HOUSE RAMBLER” W/NEW BAMBOO FLOORS & PAINT • DETACHED HIGH DOOR R.V. GAR/SHOP + ATTACHED 2 CAR GARAGE. A MUST TO SEE! 14022 DODGE VALLEY ROAD, “PLEASANT RIDGE” M.V. $549,500 4

H YS BA

3906 PUELBO HEIGHTS DRIVE, MT. VERNON W VIE

Let’s make it work.

OPEN HOUSE: SUN. 12:00-3:00 SANDI R. 770-8670

OPEN HOUSE: SAT. & SUN. 12:00-3:00 MIKE N. 709-1419/ SHELLY C. 708-43772

OPEN HOUSE: SUN. 12:00-3:00 MEL S. 206-948-4392

• 3 BEDROOMS, 1.5 BATHS, LG. BONUS/FAMILY RM., GAS HEAT • UPGRADED INSIDE & OUT W/NEWER ROOF, GAS FURNACE • LG. YARD W/OUTBUILDINGS, FRUIT TREES & WOODWORKING SHOP/GARAGE

• GORGEOUS N/W CRAFTSMAN STYLING, OVER 3300 SQ. FT. • 4+ BEDROOMS, 4.5 BATHS, SOLID FIR DOORS/TRIM, OAK FLOORS • 3 ACRES W/OUTBUILDINGS, HUGE SHOP + LG. ATT. DOUBLE GARAGE

• LOVELY MT. BAKER & CITY VIEWS, 1/3 ACRE W/PRIVACY! • ”SHY” 2000 SQ. FT., NEW COMP ROOF, NEW EXT. PAINT • OPEN PLAN W/KITCHEN-FAMILY ROOM COMBO, 3 BD., 2.5 BATH

10653 STERLING ROAD, SEDRO WOOLLEY . R.V

O SH

$319,500

CALL LARRY L. TO VIEW! 982-0447

• 3300+ SQ. FT. 4 BEDROOM, 2.5 BATH BEAUTY W/2 MASTER SUITES • GAS HEAT, NEW COMP. ROOF, HUGE 3-CAR SIZE GARAGE + DETACHED. GAR/SHOP • 1/2 ACRE W/CIRCULAR DRIVE, LOTS OF EXTRA GUEST PARKING

100 & 102 CLAREMONT PLACE, MT. VERNON X PLE DU ICK BR

$265,000

The Perfect Home Loan?

$266,500

414 CENTRAL AVE, SEDRO-WOOLLEY

Our Skagit County team will make sure your loan is the perfect fit.

$178,500

.F.

S 0+

CALL SANDI TO VIEW! 770-8670 • MOTIVATED OUT-OF-AREA SELLER WILL LOOK AT OFFER, CALL FOR DETAILS! • LG. 2 BEDROOM, 1 BATH UNITS W/ GAS HEAT, BRICK FPL. DOUBLE GARAGE • NEAR HOSPITAL & SERVICES, ON BUS LINE, FENCED YD./PATIO

CALL SANDI TO VIEW! 770-8670

• MUCH LARGER THAN IT LOOKS FROM STREET, 1643 S.F.! • BIG LIVING/DINING RM., 3 BEDROOMS, 1 BA., GAS F/A HEAT • GAS STOVE, GAZEBO, R.V. PARKING, SHOP + GARAGE

www.peoplesbank-wa.com/homeloans PEO 1308_Skagit Weekly Real Estate Insert_1/4 page.indd 1

Brown McMillen Real Estate

360.757.6013 800.869.7084

w w w. b r o w n m c m i l l e n . c o m • 235 W. Rio Vista Avenue, Burlington

10/7/14 1:43 PM

3 BEDROOM RAMBLER..built in 2003 w/new carpet just installed. Fully fenced yard & 5 min. from freeway. $199,950. #680073

HAVE IT ALL!..5 westerly view acres w/2800sf, 3+bedroom home, spacious rec rm, 3 car garage w/shop. Green house & much more. 389,500. #668081

ON THE RIVER.. Spacious 3 Br Rambler in gorgeous setting w/frontage on Samish River. Estate Sale $229,500. #654408

GREAT SHOP..1.46 acres with 2 BR home and a really nice 30’X36’ finished shop building. $115,000. #707863

4 BDRM..ready for new owner. 2.5 baths, spacious deck & patio, fenced back yard, attached 2 car garage, extra parking, close to walking trails. $189,900. #651379

SKAGIT RIVER PLAYGROUND..drive east, kick back, bring fishing pole& own your own 3/4+ acre lot, $36,000. 318635

RECENTLY LOGGED..comes with lifetime supply of firewood. 20 acres near Sedro-Woolley is a great buy. $59,500. #600894

Featured Home

DOWNTOWN MOUNT VERNON..excellent 2 story office/ retail bldg. Separate entrances allow multiple tenants, great opportunity. $430,000. #658726

COUNTRY CLUB RAMBLER W/SHOP..4 Bdrm, 1 3/4 Bath. 2483 sf home. Beautiful kitchen, maple cabinets. Finished 1700 sf shop. $459,000 #473037

GREAT BLDG SITE..17 acres in very private setting near Mount Vernon. Already has issued bldg permit. $239,500. #594939

COME HOME TO THE COUNTRY..private 2+ Bdrm home w/over 2100sf, on partially wooded 5 acres w/lg shop, barn, chicken coop & more. Great price $289,000 #696169

NOOKACHAMP HILLS..gorgeous views, 5 Br, 3 Ba like new condition. Spacious master ste, vaulted ceiling, living rm w/3 sided gas f/p, walk in pantry, media rm & covered patio. $419,950. #659735

GREAT FAMILY HOME..5 Br, 2.5 Ba, over 2600 sf. Cozy yet spacious with 2 garages. Privacy, walking distance to park & school. #710673 $305,000. JUST REDUCED...in Brl Senior Park, open flr plan in a small Park close to services. Lg tiled open kitchen, oversized 2 car garage. $88,500. #534335

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

November 21, 2014

BUILD YOUR DREAM HOME..gently sloped 1.7 acre lot w/lake & Mtn views. Choose your plans & build. Utilities in street. $125,000. #700679 BUILDING FOR LEASE..prime location west side of College Way, between Papa Murphy & Skagit State Bank. Lessor will do 3-5 yr lease w/option to renew. $1500. Per mo. #659449

Shelah Inman Fritz Inman Terri Heyntsen

661-0145 661-0147 391-0938

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 DIAMOND IN THE ROUGH..great fixer North of Burlington, on almost an acre. Lg 1900sf shop. Solid home, needs work. Close to town .#655807 $100,000

Jodi Dynes Tim Reichert Tod Le Hecka

LARGE MT. VERNON HOME..2600sf edge of town living, wonderful sunset views of the River & Sound! 3 Br., 2 Ba, 2 car garage. $259,000. #709803

333-7783 391-5587 333-1032

RE-Weekly.com

Galen Kindred Holly Hilts

770-7083 661-5538

Jeff Ingman Jan Scally

202-2859 421-5160

MILLENNIALS AND THE MARKET

The share of homes sold to first-time buyers is on the decline, as millennials wait to make their first purchase

Where have all the first-time buyers gone?

the lowest share since 1987 (30 percent). “It’s not that young people don’t want to purchase a home, espite enticit’s that they’re delaying conditions ing the purchase,” – improving job Lisa Sturtevant, vice market, low interest president of research rates – the share for a national housing of first-time buyers dropped to 33 percent, conference, said at the according to the 2014 recent 2014 Realtors Conference and Expo. National Association of Realtors Profile of “Many of the reasons Buyers and Sellers, Millennials are not

D 4

forming households or making purchases are economic, so as the economy improves, we should see this group become more of a force in the market. The Millennials – adults age 18 to 33 – saw 60 percent better job growth than the overall population in 2014, and a 6 percent drop in unemployment. That growth, coupled

with improvements in economic opportunities, may encourage the group to form households and buy homes in coming years. Millennials represent 60 percent of first-time buyers, according to Jonathan Smoke, a chief economist. Energy and jobs are a top concern for Millennials, who show

RE-Weekly.com

a strong preference for urban living and working, and place a high value on mass transit and “work, live, play” communities. The median age of first-time buyers was 31, according to the NAR profile, unchanged from the past two years. The typical first home was 1,570 square feet and cost $169,000. The me-

dian down payment for first-time buyers was 6 percent; 23 percent said saving for a down payment was difficult, and more than half (57 percent) said student loans delayed saving. More than a quarter (26 percent) of buyers received a gift from a friend or relative – mom and dad, most likely – to help with the down payment. November 21, 2014

FEATURE HOME FROM COVER:

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

4725 MONTE VISTA PLACE, MOUNT VERNON Skagit Tradition Realty 3780 E. College Way Mount Vernon, WA 98273 360.424.0300 www.SkagitTraditionRealty.com

$372,500

Shirley Bertholf 360-840-1863

Beautiful 2 story home - quiet neighborhood, gorgeous tiered landscaping with fruit trees & flowering bushes, large bi-level deck, separate patio. Brand new hardwood floors & carpet, vaulted ceiling, sunken LR, granite counters, new kitchen lighting, private balcony off Master. Sale includes all stainless steel Kenmore Elite appliances, sideby-side front loading stainless LG washer/dryer & wall mounted 42” flat screen TV/stereo system. MLS# 706814

OPEN HOUSE: Sat. Nov. 22, 10am-1pm & Sun. Nov. 23, 1-4pm • New Price!

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

RE-Weekly.com November 21, 2014

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www.WindermereSkagit.com RESIDENTIAL 44942 STATE ROUTE 20, CONCRETE

$119,900

15181 DESCHUTES CT. MV

Just completed! Beautiful new home in Creekside Meadows; a community of 1 acre lots with a divided interest in a 68 parcel that would be perfect for equestrian use. More info at SkagitValleyHomes. com. Call Bill & Jannette Krieger, 421-4446 #716044

7675 CEDAR PARK, CONCRETE

Equestrian property w/ large arena & round pen. 2 barns that can accommodate up 5+ horses, pastures, huge shop, mature trees. Large farm house w/ great historic details. Spacious kitchen, 3 bdrms upstairs. Master, den & 2 bathrooms down. Formal Dining Rm., Living/family Rm. Call Tiffany Danley, 360-298-4857 #669601

15617 FIELD RD, BOW

$125,000

Great 3 bedroom 2.5 bath home in Concrete. 1500+ SF of living space. Anderson, 421-1189 or Tasha Zahlis, 391-5075 #696680

1604 WILDFLOWER WAY, SW

$133,900

Great 2 bedroom, 1 bath Fannie Mae home! 840 SF, new interior paint, new flooring, & 1 car detached garage with storage. Great little community not far from downtown & local shops. Eligible for Homepath financing. Call Tasha Zahlis, 391-5075 or Karine Anderson, 421-1189 #710428 NE

401 S. 25TH, MV

$154,900

Great Fannie Mae 3 bedroom, 1.75 bath home on very large lot. New interior paint, vinyl & carpets. Yard is fenced & has a small patio area. This home is located close to Haggen, bus lines, schools & the medical district. Call Karine Anderson, 421-1189 or Tasha Zahalis, 391-5075 #717198

$190,000

In an area of newer homes. Maintained, but needs a little TLC. 3 bdrms, 2.5 baths, 1200+ SF. Convenient location. Park nearby. Call George Bellos, 708-9762. #635096

$209,500

Home on corner lot in Sudden Valley. Home boarders a peaceful creek; 4 bdrm, 2 bath, 1322 SF. New cabinets, SS appliances, floor coverings, trim & more. Amenities include golf course, 24 hr security, tennis courts, pool, beach access & more! More info at SkagitValleyHomes.com. Call Bill or Jannette Kreiger, 421-4446 #687021

1400 MALLARD VIEW DR #1, MV

2 bedroom/1 bath home with new flooring, paint & new kitchen. Corner lot. Potential mountain & bay views. Fannie Mae owned. Call Lee Ann Dean, 4213082 or Karine Anderson, 421-1189. #640185

1213 E SECTION ST, MV

17289 COLONY RD, BOW

$169,900

Hilltop Mount Vernon- 2 bdrm & small bedroom/office on main floor & master bed/bath upstairs. Ceramic & hardwood flooring throughout. House features laundry, large kitchen with ample counter space, large detached garage with shop space & side yard with a playhouse. Call Jim Glackin, 428-2828 #712406

3120 HUDDLE RD, SW

$179,900

Experience all the beauty & tranquility country living has to offer on this 5 acre lot nestled in the foothills outside of Sedro Woolley. 3 bdrms, 2 full baths, 1600+ SF. Home has an Interlock switch for generator power. Call Nathan Loeb, 333-7197 #656533

$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, 770-9427 #665369

16250 PENN RD, MV

47794 STATE ROUTE 20, CONCRETE

$279,900

2.26 acres w/ 2 homes, a detached apt, huge 4 car shop & numerous outbuildings. 1st home was built in 1993 3 beds, 2 baths, & 1532 SF, well cared for, new roof. 2nd residence is a 1920 1,100 SF home w/ 2 beds/ 1 bath, newer roof. Lastly a 720 sf 1 rm. apt. built in 1950. Covered RV parking. Call Tiffany or Shawn Danley, 360-298-4857 #711502 NE

$259,950

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

$529,000

Beautiful 3500+ SF estate home on PRIVATE 5 acres overlooking the LaConner flats & Rainbow Bridge. Built in 1987, this 3 bedroom, 4.25 bath home features all the charm of yesteryear, plus the convenience & low maintenance of a new home. LaConner school district, not in flood plain. Call Megan O’Bryan, 708-5817 #686925

15782 LARSON LANE, MV

$565,000

3087 SF home on 9 acres. Chefs kitchen: granite, 5 star stove, 4 X 8 island. Travertine enhances FP, wet bar, & bathrooms. Expansive storage, radiant heat, den/office, 3 bdrms, 5 baths. Upper level bonus room can be possible 4th bdrm. 3 car garage. Call Warren Bingham, 770-2421 #678391

$214,500

1 level 2 bdrm, 2 bath condo boasts a wonderful view of the lovely greenbelt. Spacious kitchen w/ nearly new appliances. Kitchen is open to the living & dining room. Home features vaulted ceilings & gas fireplace. Spacious master suite. Hardwood floors, newer furnace, deck. 2 car garage. Call Sarah Minton, 770-3076 #705394

803 34TH ST, ANA

$419,995

18416 VALENTINE RD, MV 1502 BLACKBERRY DRIVE, MV

217 POLO PARK DR, MV

3339 DEER TRAILS LN, BOW

3816 DOGWOOD PL, MV

$345,000

Desirable single story with beautiful views of nature on a cul-de-sac providing peaceful surroundings. New exterior/interior paint, Hardie Plank siding, 50 yr roof, open floor plan, central vac system, security system, gas fireplace, whole house fan, large utility room, instant hot water, large 3 car garage. Call Deborah McNeal, 707-8073 #715287

17015 THEODORSAN LANE, MV

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

$375,000

Restored 4 bdrm classic home on a 2/3 acre lot. New kitchen; refinished red oak floors; coffered & coved ceilings; lg. master w/ extensive use of marble tile in the bath; & daylight basement office & family room. Garage/shop; fruit & nut orchard, gardens; close to all amenities. More info at SkagitValleyHomes.com Call Bill or Jannette Krieger, 421-4446 #694020

Josh Scott Karen Beckner Karine Anderson Kim Kelley Lee Ann Dean Linda Eastman

RE-Weekly.com

360-708-1010 360-840-9455 360-421-1189 360-202-5515 360-421-3082 360-202-4075

$775,000

Park-like setting w/trails, ponds, & fire pit. Licensed as adult family home & retreat or could be B&B. Main floor has an apartment plus 3 rooms each w/deck access, chef’s kitchen. 10 bdrms, 6 baths, 6600+ SF. Shop & carport. Call Becky Elde, 770-9427 #667328

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 Shawn Danley

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

$399,950

Fannie Mae property is a home that was turned into a Day Care. Endless possibilities for this 1000+ SF property, use it as a Day Care, Office building, Salon or private residence. This property qualifies for HomePath Mortgage. Call Tasha Zahlis, 391-5075 or Karine Anderson, 421-1189 #677922

Margy Furst Megan O’Bryan Nathan Loeb Rita Ingram Robin Lee Luif Sarah Minton

360-488-3458 360-708-5817 360-333-7197 360-708-8338 360-420-2026 360-770-3076

Sherry Johansen Spencer Roozen Tahlia Honea Tasha Zahlis Tiffany Danley Warren Bingham

360-856-4901 360-708-3636 360-708-0634 360-333-5815 360-391-5075 360-298-4857 360-770-2421

November 21, 2014

www.AnacortesRealEstate.com RESIDENTIAL

LAND 1709 24TH CT, ANA

W NE

1800 SKYLINE WAY #202, ANA

$190,000

Water views in this beautiful Skyline Anacortes 2nd floor condo with southern exposure. Nice, warm deck on sunny winter days. Newer master walk-in shower, hot water heater, Formica countertops, kitchen sink & more. Association dues cover garage, water, sewer & basic cable. Skyline amenities include use of cabana, tennis courts, beach club & beaches. Kathy Rogers 360.941.4400 MLS# 717275

$895,000

100-ft no-bank waterfront compound has it all. 1949 SF Primary home w/key living on the main level; huge master suite, great room design, plus formal dining area, den & loft office. Separate 2 car garage/shop has a 976 SF Guest House above w/2BR, kitchenette & great room plus a loft office & covered deck. And ... Fully finished boat house. Colleen Sargent 360.202.2155 MLS# 549460

5204 MACBETH DR, ANA

$369,000

A brand new home with quality finishes and designer details. This Skyline home is all main level living with 3 bedrooms and 2 baths. Kitchen with large island & raised bar, an abundance of cabinet space, walk in pantry and open dining room. Additional bedrooms enjoy walk-in closets; full yard landscaping and a 3 car garage. Colleen Craig 360.770.9638 MLS# 578893

15174 CHANNEL DR., LA CONNER

ndermere Mortgage Services at (425) 268-7995

$749,000

A wonderful 4 Bdrm – 3 Ba 4,400sf Home. Bright & stately home with nice views of the Olympics, Sound, and Skyline Marina. Granite counters in kitchen and bar. Media room and tons of storage. Office with built-in bookcases and desk. Bill Robillard 360.770.4707 MLS# 624853

$115,000

Come live the Samish Island lifestyle! Charming, immaculate single-level, 3 BR home on .96 acre lot. Paved dead end private lane w/partial view of Mt Baker. Open floor plan w-updated flooring throughout-wood, carpet & tile. Shop, Raised garden beds, private patio & more! Sarah Jones 360.375.6142 MLS# 715703

3960 ROCK RIDGE PKWY, ANA

$424,500

$115,000

Corner Lot in Rock Ridge with view corridor to north along an open space tract. Mostly level site is fully developed to city standards with underground utilities, sidewalks and curbs and fire hydrant at your corner. Lot is nearly 1/4 acre in neighborhood of new homes. Great access to the Anacortes Community Forest Lands and wonderful site orientation for the sun in your backyard. Colleen Sargent 360.202.2155 MLS# 550060

3 WILDERLAND DR, DECATUR ISLAND

New Price Banner & Picture

5078 RONEY RD, BOW

11800 MCCORKLE PLACE, ANA

$8,750,000

Own your own PRIVATE 29+ Acre Island in the San Juan’s of the beautiful Pacific NW! 360 degrees of water & forest views. 4230’ saltwater frontage w-tidelands. Architectural excellence w-contemporary design, superior quality and top of the line rich finishes throughout makes this a truly SPECTACULAR home. Completely self-sustained environment...power & water. 1200 SF quality care takers cottage w-full shop below. 60x60 boat dock, to accommodate yachts & seaplane w-5000 diesel storage. Leigh Zwicker 360.333.9975 MLS# 648615

$749,000

Quality NW custom waterfront 3387 SF home is located near La Conner on the Swinomish Channel. Beautiful, unobstructed channel & mountain views, sunsets & sunrises. Large great room w/wall of windows, grand fireplace & access to patio. Radiant heat flooring throughout. Margi Houghton 360.202.0041 MLS# 659893

5114 MARITIME CT, ANA

TRUMP ISLAND

$449,000

Sunny corner lot! 3 bedroom plus home has tons of living space including an atrium-style family room to relax in & absorb the beautiful gardens. A decked out granite kitchen with lots of counter-space, island & attached dining rm. Main level master & full Mother in law quarters. Colleen Craig 360.770.9638 MLS# 518063

$539,000

Beautiful custom home with views of islands, mountains, marina & bay. Pride of ownership is evident throughout this meticulously maintained home. 2 main level living suites with an open floor plan. Lower level, 2 more bedrooms, lg. great room, mini bar, office & bonus room. Paul Weisz 360.391.7281 MLS# 696354

6931 CAROLINA ST, ANA

1909 LEA PLACE, ANA

14403 JURA LN, ANA

$299,975

Wonderful home with lrg kitchen, lrg master bath with tub, separate shower & vanities. Nice living rm, dining rm & 3 bedrooms. Yard is partially fenced & neatly appointed with separate entry from dining & kitchen areas. House is well maintained & in move in condition. Bill Robillard 360.770.4707 MLS# 698992

$65,000

Peaceful secluded hide-away on top of the island. Access by walking trail at this time, but plat includes undeveloped driveway easement. Has sunny open area w/ large evergreens and deer trails. Community amenities include private dock, airstrip, & 4000’ waterfront. Short water taxi commute from Anacortes. Sarah Jones 360.333.2783 MLS# 597910

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

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

November 21, 2014

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 360-420-3319 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

FEAR IN THE TIME OF BUYING IT MIGHT BE A GOOD TIME TO PURCHASE A HOME, BUT A NEW STUDY REVEALS APPREHENSION AND CONFUSION ABOUT MORTGAGES

mericans pride themselves on being well-educated consumers. But although our commitment to kick the tires and do our due diligence before signing on the dotted line is admirable, many of us suffer from erroneous no8

buying process. Among the poll’s findings: • 64 percent think they need a “very good” credit score to buy a tions and ignorance about good time to purchase home mortgages. a home and 74 percent • 30 percent believe Consider the findings indicating they “know and only those with high of a recent survey, which understand” the finanincomes can obtain a reveal some interesting cial process involved in mortgage insights about prospechomebuying, many may • 44 percent also tive mortgage borrowers. hesitate to pull the trigger believe that a 20 percent Despite the fact that due to uncertainty about down payment is required 68 percent of responqualifying for a mortgage • 44 percent admitted or navigating the homethey know nothing or very dents believe now is a

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little about the closing costs required for buying a residence. Dan Smith, president of a mortgage company in Atlanta, says borrowers today may be somewhat justified in their fears about qualifying for a loan because the process is more involved and lenders require more documentation today. Nevertheless, he was taken aback by the statistic showing 44 percent

believing that a 20-percent down mandatory is mandatory. “This is a big misconception,” Smith says. “Conventional financing is available with as little as 10 percent down (even less via certain lenders).” Smith adds that eligible applicants can also take advantage of loans offered by the FHA and Veterans Administration, with lower down-payment requirements. November 21, 2014

The assumptions about credit rating – a credit score between 720 and 740 typically would fit the “very good” designation from the survey – surprised David Atis, a mortgage loan officer in Gibbsboro, New Jersey. “There are loans that even those with a 580 credit score can qualify for, depending on their financial situation,” Atis says. “In fact, there are many different types of loan programs available to prospective borrowers that they may not be aware of – including programs that allow you to have up to 57 percent of your monthly income go toward the proposed mortgage payment and other payments that appear on your credit report.”

Atis notes that programs exist that assist with closing costs by obtaining a monetary gift from family members. Borrowers also can receive a certain percentage of the purchase price from the seller to go towards paying for closing costs, and there are also grants and employer programs available for assistance with the down payment and closing. To get the true facts and allay any concerns about borrowing eligibility, mortgage seekers should consult with reliable experts. “Buyers are often reluctant to contact real estate agents and mortgage professionals, fearing highpressure sales tactics. But talking to [them] is the right way to get the best

information tailored to one’s own situation,” says Ron Rovtar, broker associate in Boulder, Colorado. “You can find trustworthy pros by getting referrals from friends, family and neighbors. Make sure you interview several lenders and agents.” Ryan Donovan, a realtor in Burlington, Vermont, agrees, noting that borrowers can help demystify incorrect assumptions and correct misguided fears by getting preapproved for a mortgage loan prior to house hunting. “Getting preapproved gives you a great idea of what a mortgage will (cost) on a monthly basis as well as what you can expect for closing costs and down payment options,” says Donovan.

STAT GARAGE IMPROVEMENT?

Percentage of consumers with a home equity line of credit who purchased a car with their HELOC funds Source: TD Bank Consumer Borrowing Index

November 21, 2014

Q&A

ASK OUR BROKER By Peter G. Miller

Can I Cancel My Mortgage Insurance?

30-year financing and less than 5 percent down. For FHA loans issued between Jan. 1, 2001, and June 2, 2013, the cancellation rule looks like this: 1. The annual MIP automatically will be canceled when the outstanding balance reaches 78 percent of the original debt. 2. To be eligible for automatic Can I get rid of my monthly FHA cancellation, the monthly MIP must mortgage insurance payments? I have been paid for a minimum of five believe my HUD case number was years (60 months). assigned before June 3, 2013, even 3. According to HUD, “cancellation though my loan closed after that date. of the annual MIP is normally based How do I find the case number and on the scheduled amortization of the date for certain? My loan is 14 months loan. However, in cases where the loan old, and my appraisal qualifies the payments have been accelerated or 78-percent loan-to-value. Does this modified, cancellation can be based mean I qualify for MIP removal? on the actual amortization.” If you have been prepaying your mortgage, you may be able to cancel MIP more quickly but not before five years have passed. Like most issues regarding FHA financing, canceling the mortgage THE NEW RULES insurance premium – the MIP – is not According to HUD, under the new simple. The cancellation rules for FHA loans rules things are different for loans with FHA case numbers assigned on or with 3.5 percent down and a 30-year after June 3, 2013. term differ from the rules for 15-year 1. If the loan term is more than FHA loans and loans with at least 10 percent down. Also there are different 15 years and the original loan-tovalue ratio was 90 percent or more, standards for FHA-insured reverse you cannot cancel the mortgage mortgages and Title I financing. And insurance. It runs with the loan and – to make matters more confusing – only ends after 30 years or when dates also count. the mortgage is paid off. Since most The first thing you want to know people use 30-year FHA financing and is the case number and when it was issued. To find this information call the buy with 3.5 percent down this is the FHA Resource Center Center at 1-800- rule that most likely applies. 2. If you bought with at least 10 225-5342. percent down and financed with a The magic date you want to find is June 3, 2013, because that’s when FHA 30-year mortgage you can cancel after 11 years. cancellation policies changed. For details and specifics regarding your loan contact your mortgage THE OLD RULES servicer – the folks who collect the Let’s assume that like most FHA monthly payments. borrowers you bought property with

Question:

Answer:

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sell it with a classified ad! find what you need in classififed

to place an ad, call 424-4567

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CLASSIFIEDS to place an ad, call 424-4567

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1 bdrm. SAFE & QUIET by Skagit Valley Hospital, 1 level, 1013 S. 16th St. $850. W/S/G pd. 360-652-6560 Cute studios on bus line. Great MV location $500$700. 360-941-6986 Newly remodeled 2 bdrm Big Lake view, $775. No smoke/pets. 206-778-8147

1 - 4 Bdrm Rentals. Piazza Realty Property Mgmt., Inc. 360-424-RENT (7368) www.prpmrentals.com Our family home on 1/3 acre near Eaglemont. 3 bdrm with large living & family rooms, large fenced backyard with pond. $1450. 360-573-0467 Very cute, lots of storage: MV 2 bdrm, 1 ba, basement, lrg. 2 car garage, lrg. fenced backyard, $1200/mo. S/G incl. No smoking. Call Terri 360-770-7488.

2 bdrm w/garage, country setting, Burl. $850 + dep. No smoke/pets. 208-406-4083

FREE December rent for qualified tenants with a 15 month lease. Burl. view townhome, 3 bdrm, 2 ½ ba, family room, gas, W/D hookup, garage, 1,550 sq. ft. $1395. 1115 Hillcrest Dr. Avail. now. 425-773-0573 or 360-4665680

Avail. now! Share luxury home on Clear Lake, indoor pool, all util. paid. $550 per mo. No pets/smoke. 360856-6949

MUST BE MOVED. '86 3 bdrm, 2 ba, 28x48, good condition, very clean, $7500. 360-420-7115

PINE CREEK Open House

buy or sell it with classified ads!

2204 35th Court, Anacortes

classifieds work for you!

Or call Val Thomas Preview Properties at 360-333-0562 to set up an appt.

OPEN HOUSE Sat., Nov. 22, 1 to 3

de-junk your life... sell it with classifieds!

classifieds can 4 new rambler models available pre-sale rangbuy orforsell it with ing in size from 1843-2554 classififed ads! at sq ft. Stop by the model 3059 Pine Creek Drive to look at the floor plans! Ramblers have no-step entry!de-junk 3-bedrooms 3 car yourand life... garages. Quality high end sell it with classifieds! finishes. Great room & gas frplc. Open House Friday 12:00 – 3:00 Sunday 1:00 – 3:00

buy or sell it with Walk in to WOW! classififed ads!

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FSBO - Fabulous 3 Bdrm, 2.5 Ba, 2466 sq. ft. home, large office/den/bonus room, living room, dining room, open concept kitchen/dining room, 3 fireplaces, fabulous curb appeal plus a huge fenced backyard, new carpet & refinished hardwood floors, spacious 2 car garage. $435,000. Call Scott 206-679-0123.

to place an ad call 424-4567

From I-5, E. on College Way, N (left) on N. 30th, 1/4 mi. to Pine Ck.

check the classifieds

Old Town Bungalow. 1800SF, 3 bdrm, 2.5 bath of quality construction. Granite counters, hardwood floors. Stainless appliances, boat/RV parking. All Anacortes amenities at your doorstep. $339,500 MLS#700078 2116 12th St., Anacortes

to place an ad call 424-4567

Marvin Sargent Coldwell Banker Bain 360-319-5426

Allen Workman check the classifieds Managing Broker 360-770-4948

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to place an ad call 424-4567 check the classifieds

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15478 Barrett Rd., Mount Vernon Classic 1900's Craftsman home in the tulip fields. 4 bdrm, 2.5 baths Large shop. $350,000.

for great values!

FOR RESULTS Call Tim L. Good 360-708-3828 timgoodrealestate.com RSVP Real Estate

WE’VE GOT YOUR BACK. J O I N O U R O N L I N E C O M M U N I T Y AT

10 10- November 21, 2014

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REAL ESTATE WEEKLY RE-Weekly.com November 21, 2014

REAL ESTATE 21, WEEKLY November 2014 RE-Weekly.com

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November 21, 2014 -11 11

17603 SKYRIDGE, MOUNT VERNON

$429,000 1412 S 27 ST, MOUNT VERNON

W NE

Custom built view home in gorgeous Skyridge community. Views of Valley, Puget Sound, San Juan Islands & more! Spacious rooms throughout w/abundant storage. Entertainment Elva Hunter great rm style w/cathedral ceiling, gas 360-202-3086 fireplace, large dining rm and main floor master suite & den. Lower level w/2 lg bdrms, utility/hobby room, fitness area/ TV room. Carport w/attached 8 x 22’ shop. Steps away from Little Mountain hiking trails. Easy care .41 acre lot. Private location minutes to I-5. MLS# 706609

4900 MONARCH BLVD, MOUNT VERNON

E TH ON

ET RK MA

$174,900

$179,500 3815 RIDGE WY, MOUNT VERNON

19924 HILL CT, BURLINGTON

$365,000 2410 CRUSE RD, SEDRO-WOOLLEY E

+ 22

Lovingly cared for rambler with many custom added features: ceramic tile and laminate; stainless steel kitchen range and dishwasher (other Danya Wolf appliances go with seller). Warm and 360-708-8294 welcoming! Light and airy! Fenced yard is large with nice decking. MLS# 700579

Well cared for home at end of cul- desac, 3 Bd, 2 Bath, 1248 sqft, Good size lot with fruit trees; 2 apple, 1 pear, 1 Brett Tacker prune and 1 cherry.

360-840-7931

$242,000 25723 44TH AVE NE, ARLINGTON

$325,000 1606 ALPINE CREST LP #C, MOUNT VERNON

$339,000

14678 STATE ROUTE 9, MOUNT VERNON + 10

XXX SHANNON LAKE RD, CONCRETE

Immaculate, one-owner home, nestled up to the trees on half an acre at the end of a quiet cul-de- Shirley Bertholf sac in a lovely rural development. 360-840-1863 Well built home with open floor plan, lg kitchen, ample cupboard/counter space, lots of windows, vaulted LR ceiling. This charming rambler has been meticulously cared for, features very attractive, maintenance free, drought resistant landscaping. MLS#714743

$99,500 1802 BAKERVIEW CT, MOUNT VERNON

Desirable Eaglemont Golf Course Community. 3 bedroom 2 1/2 bath plus office/den. Lovely Master Suite w/jetted tub on main floor. Bright kitchen w/slab granite, stainless steel John Hunter 360-202-3854 appliances, eating bar that opens to great room w/gas fireplace and door to outside deck with spectacular views. Unfinished downstairs w/ 1237 sq.ft is included in sq.ft has plumbing, bedroom & family room, ready to complete. MLS# 675913

Build Your Dream!

$129,000 XXX STATE ROUTE 9, BIG LAKE

$278,000 16856 MOUNTAIN VIEW RD, MOUNT VERNON $289,000

HEAVEN ON EARTH! Price significantly reduced! Beautiful, peaceful setting. Imagine waking up each morning to spectacular views of Sauk Mountain, the Cascades, Skagit Shirley Bertholf River & the valley below... your own 360-840-1863 little piece of “heaven on earth!” Perfect for anyone who loves the gorgeous beauty of the great Pacific Northwest. Enjoy privacy in a park-like atmosphere w/panoramic views. Close to town. Close to Everett & Shannon Lakes for fishing. MLS # 175569

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

4921 61 DR NE, MARYSVILLE

1087 DIGBY RD, MOUNT VERNON

$279,000

Newer, well maintained modular home on acreage. Large Master bedroom with walk-in closet and en suite with soaker tub. Has two additional rooms Danya Wolf that could be used as bedrooms, office 360-708-8294 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

$434,000 2930 ARAPAHO PL., MOUNT VERNON

$232,000

Merry Christmas! Merry Christmas! FromFrom OurOur Family Family to yours! to yours!

Private setting in Harbor Winds Danya Wolf Plat; nice view from main level. Living room offers gas log fireplace, 360-708-8294 bay window, spacious kitchen and sliding glass door which leads to nice deck overlooking fenced yard; pleasant view. Great financing available!

Spacious, circular drive to patio, level entry. Quality built & designed w/ vaulted ceilings, covered deck. Elva Hunter Main master w/dbl closet/BA & 2 360-202-3086 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

Remodel includes added formal dining area. Many upgrades inside. Lower level features a recreation room with its own fireplace. Sandy Everett Beautiful, large, private yard 360-202-3706 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

$30,000

G CIN AN N I RF NE OW

NEW PRICE! Two four-plex tracts for $150,000 Danya Wolf each and one five-plex tract for Spectacular lake view and stunning $175,000.00 Building permit 360-708-8294 sunsets seen from this lot, located Sandy Everett on the east (sunny) side of the lake! 360-202-3706 ready for thirteen (13) units. Or,administrative conditional use potential for professional/medical Property is in an area of beautiful homes and is located directly north of Big Lake Bar & offices. All utilities; includes off-site, fenced storm Grill parking lot. Buyer to verify square footage and retention pond. (City sewer,garbage,and drainage district). MLS# 678254 utility availability. MLS# 670146

Lovely 3 Bedroom, 2.5 Bath home with view of Big Lake. Ready for you to move in. Double garage, security system, bath off Master and large JoAnn Boudreau walk-in closet. Gas fireplace at 360-391-0746 the living room on the main floor. Large finished recreation room with storage at the basement. MLS# 622887

$438,900 1 MOUNTAIN VIEW RD, MOUNT VERNON

LY MI FA I LT MU

I PR

IEW EV K LA

R AC

$95,000 1601 N WAUGH RD, MOUNT VERNON

W VIE KE LA

R AC 20

R AC

Remodeled. Open floor plan, newer windows, newer roof, new furnace, Suzanne Jenkins lots of room. Great for livestock 360-941-2983 Beautiful 4 BD, 2.5 BA home is located on and berry growing; cross fenced a very quiet cul-de-sac. Features a nicely Russ Lanker updated kitchen w/Corian countertops, 360-708-1117 pasture; approx. 15 acres grows hay; 2 barns, lower barn has insulated tack room. 20x50 Green house maple cabinets and hardwood flooring. Home is on a rare .40 acre lot in town w/territorial views. with electricity and water. Top barn used as shop. Entertain on the large deck or just relax in the hot tub! MLS#710460 Mature and tasteful landscaping. MLS#672971

! ES

2688 sq. ft. 3 BD, 2.5 BA home on corner Sandy Everett lot. Upscale neighborhood w/trails, 360-202-3706 sidewalks & play areas in a planned development. Everything is close by. Utility rm (washer/dryer incl.) & full BAs upstairs; bonus rm w/gas fplace on main floor. Kitchen w/all stainless appliances & pantry. Dbl garage. MLS #668766

$399,900

NEW PRICE! Located just outside the Mount Vernon City limits, this wooded 1 acre plus lot could be a building Danya Wolf site for a stick built, modular, or 360-708-8294 manufactured home, with plenty of room. Tract has been surveyed (LeGro and Associates) and wetlands have been delineated (Oscar Graham and Pat Bunting). 1.27 acres With $10,000.00 down, sellers will consider contract. MLS# 678260

FreePicture Picture with Free with Santa! Santa!

Saturday Dec. 6 Saturday Dec. 6th 10 a.m. to 2 p.m. 10 a.m. to 2donations, p.m. Drop off your Toys for Tots enjoy holiday visit theTots craft donations, table Drop off treats yourand Toys for PLUS have your picture with Santa! enjoy holiday treatstaken and visit the craft table All ages welcome! PLUS have your picture with Santa! Including well mannered “furtaken family”

th Saturday Dec. 6th 10 a.m. to 2 p.m. Drop off your Toys for Tots donations, enjoy holiday treats and visit the craft table PLUS have your All picture taken with Santa! ages welcome! All ages Including wellwelcome! mannered “fur family” Including well mannered “fur family” Skagit Tradition Skagit TraditionRealty Realty Family owned & operated 3780 E. College Way, & Mount Vernon Family owned operated (360) 424-0300 Realty 3780 Skagit E. CollegeTradition Way, Mount Vernon Family owned & operated (360)424-0300 3780 E. College Way, Mount Vernon

We will be accepting Toys for Tots donations until

(360) 424-0300

We will be accepting Toys for Tots donations until 3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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November 21, 2014