RE-Weekly.com REAL ESTATE IN SKAGIT, ISLAND AND WHATCOM COUNTIES
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HOW TO FIND THE RIGHT ROOMMATE P. 4
Q & A: Ask Our Broker P. 8
WHAT GOES UP: MORTGAGE RATE PREDICTIONS FOR 2017 13278 BAY VIEW LANE, MOUNT VERNON WINDERMERE/SKAGIT VALLEY LINDA EASTMAN
RealEstate weekly
SEE PAGE 3 FOR MORE
A supplement to the Skagit Valley Herald and the Anacortes American
$975,000
Classifieds
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P. 10 -11
January 6 – 12, 2017
1560223
FEATURE HOME:
P. 9
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What goes up: mortgage rate predictions for 2017........................ P. 9 Classifieds.........................................P. 10-11
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Mount Vernon $152,000 Unobstructed South-Southwest views of Olympic Mtns, Skagit Bay & farmlands. East side borders Little Mtn. Park. Property ready for building permit. All utilities paid for & installed to building site. Approved 3 BR septic. MLS #743621 Call 708-8800 CallElizabeth, Wilma, 661-1631
1560810
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
MOUNT VERNON
2025 Riverside Drive, Suite D Mount Vernon, WA 98273 (360) 755-9596
G TIN LIs
w NE
Burlington $225,000 Check out this huge manufactured home! Home sits on nearly ¾ acre, fully fenced back yard. Easy I-5 access, newer laminate floors, fresh interior paint. Huge kitchen with tons of cabinetry. Large master with soaker tub. Huge bonus room! MLS #1057378
Burlington
$299,999
Come build your dream house! Desirable location! 14 acres with a minimum of 5 acres zoned. Possibly two building sites. There are 2 parcels. MLS #1052491 Call Wilma, 661-1631
Call Laura, 441-5099
Wilma Louia Designated Broker/Owner 661-1631
2
Charlie & Jeannie Boon 708-9645
La Conner $449,900 First time on market in over 118 years! Wonderful views. Parlor & formal dining room w/coved ceiling. Gourmet kitchen w/custom Hertco cabinets. Vertical grain fir floors. Douglas fir siding. MLS #1002150 Call Elizabeth, 708-8800
Jim Stransky 708-1681
Kirk Campbell 770-7470
Ron Van Pelt 333-1045
Mount Vernon $975,000 Beautifully restored 1900’s home. 4 BR, 3+ BA, 3,882 SF. Equestrian property on shy 4 acres. Huge barn w/$250+K improvements. Covered parking for 10 vehicles. Desirable W. Mount Vernon area. MLS #902523 Call Charlie, 708-1415 or Jeannie, 708-9645
Elizabeth Detillion 708-8800
www.SkagitValleyRealEstate.com
G TIN LIs
Mount Vernon $375,000 Custom home in established MV neighborhood. Upscale homes w/large lots. Kitchen w/island, plenty of storage & counter space. Kitchen & informal dining room open family rm w/cozy pellet fireplace. Formal dining & LR adjoining, fire place in LR too. Large master w/huge walk in closet, good size bath with 2 sinks, shower & jetted tub. 3 BR, 2.5 BA, 2,488 SF. Great private fenced backyard w/large deck. MLS #1061545 Call Ivana, 770-3550
Bow $369,500 Beautiful 2 story home in desirable area. 3 BR, 2 ¼ BA. Lg. living room & fireplace. Kitchen w/eating space. 2 bonus/rec/family rooms. Attached 2 car garage & attached 2 vehicle/RV/boat carport. New roof, gutters & paint. Fully fenced yard on corner lot. MLS #1013958 Call Jim, 708-1681
LookIng for fuLL sErVICE ProPErty ManagEMEnt?
D CE DU RE
La Conner $399,950 One of a kind property near La Conner Marina on half an acre. Outstanding location. Extra outside studio building & beautiful gardens. Huge private yard & terrific circle drive. Original molding. Lots of storage. 10’ ceilings. MLS #980149 Call Elizabeth, 708-8800
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Mike Welling 540-1341
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1560082
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BURLINGTON
D AN TL N CA VA
9
Q & A: Ask our Broker.............................. P. 8
320 S Burlington Blvd Burlington, WA 98233 (360) 755-9494
Territory NW T
PAGE
How to find the right roommate............ P. 4
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INSIDE
TABLE OF CONTENTS
January 6, 2017
american dream real estate services, inc.
Feature Home From cover: 13278 BAY VIEW LANE, MOUNT VERNON
Eaglemont Golf Course #1029439 • $499,900
W Windermere/Skagit valley 1030 e college Way mount vernon, Wa m 360-424-4901 www.WindermereSkagit.com w
Mount Vernon Office
2788 E College Way Mount Vernon, WA 360-416-6500 • adrskagit.com
Like American Dream Real Estate Mount Vernon
www.adrhomes.net
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
HAPPY NEW YEAR
MEDICAL CLINIC… Great location in center of MV. One
BEAUTIFUL MV HOME… 4,802 SF, 3 BR, 3 1/4 BA one
SEDRO WOOLLEY... Contemporary 10 yr. old two story
CONWAY EQUESTRIAN DELIGHT! One of a kind beautifully designed for luxury living! 2 master bdrm suites, 2 family rooms, chef’s kitchen, 5 Baths, breakfast room, 5 acres fenced & much more. $860,000. #978235
BIG LAKE AREA… Very nice 1 acre building site that is cleared pasture with wonderful views of the mtns surrounding. Lot is mostly level, great place to build your dream home. $150,000. #927385
BAYVIEW RIDGE… 5 ac lot Bayview Ridge. Beautiful westerly views of farmland, islands & bay. Great neighborhood w/established homes, close to I-5. $349,000. #905050
COMMERCIAL SITE... In excellent Mount Vernon location, paved street w/all utilities available and drainage installed. $437,000. #676549
RIVER VIEW… 3 BD, 2 BA rambler. Granite, hardwood, stainless appliances, vaulted ceilings, master suite w/walk in closet. Plus 2 BR, 1 BA chalet style home. View of Skagit River. $375,000. #966598
ZONED INDUSTRIAL… Older 4 bdrm home located on 1.41 acres. Good business location. $249,500. #1030907
BURLINGTON LOT… Zoned general commercial. Across from Regence Blue Shield. Great site for clinic or any professional use. Lot is 164 X 210, sewer & water meter is in, survey & elevations are done. $415,000. #791084
story with 3,575 SF of office space w/large reception area. Well designed for numerous professions as office space. $799,500. #1061873
WATERFRONT ACREAGE… Excellent Salmon fishing, close to Anacortes & short ride on 2 private ferries. Low bank (20 to 30ft.) South facing w/sun exposure. $299,000. #1046623 GORGEOUS CLEAR LAKE HOME… Nearly 4,000. SF home, interior recently refinished. Incredible views, 2 bay shop. Detached garage, big yard, mature landscaping. $589,500. #1039790 NICELY LANDSCAPED... 4 Bdrm home+ Den located on huge 33,515 SF lot that is fully fenced. Beautiful home! $319,900. #1040290
level fully finished daylight basement. Kitchen w/granite & stainless. Large corner lot w/fenced backyard. $525,000. #1024839
Great potential for 8 or 9 lot subdivision with utilities in the street. Convenient to schools and town. $535,000. #772211 20 ACRES ON BACUS HILL… Subdivision with nice views of mtns. Private access road with beautiful alder trees. One water share to community well is included with this purchase, then metered once you hook up. $89,500. #891041
home in Sedro Woolley. 3 BD, 2.5 BA & workable floor plan. 2 car garage, priced to sell. $198,000. #1040879
NOOKACHAMP HILLS... 22 Lots in Nookachamp Hills near Big Lake. Water, Sewer, Electric & Nat’l gas to each lot. Priced from $84,000-$145,000. #746424-#746695 MOUNT VERNON RAMBLER… 3 BD, 1 BA home on Fir St. Just over 1,000 SF with 2 car garage. Great starter home! $209,500. #1054260
ROOM FOR YOUR HOME HERE! Call for a free evaluation.
Kristen Tuttle
708-8392
Jeff Ingman
202-2859
Tim Reichert
391-5587
Yvonne Brown
840-4375
Shelah Inman
661-0145
Ron Wortham
661-1500
Galen Kindred
770-7083
Jodi Dynes
333-7783
Mary Jo Reitsma
770-6013
Holly Hilts
661-5538
Fritz Inman
661-0147
Travis Lohman
661-4533
January 6, 2017
RE-Weekly.com
NEW PRICE… Located in Vedere Terrace. 4 BR, 1.75 BA home sitting just over 1,400 SF. Large fenced backyard, fresh paint, & ready for new owner. $269,500. #1020406 Terri Heyntsen Tod LeHecka Jan Scally David Parsons Dale Owenby
391-0938 333-1032 421-5160 391-4008 913-8662
1561501
1550022
“Fulfilling Northwest Family Dreams” Anacortes Office
Linda Eastman 360-202-4075 Windermere/Skagit Valley
BAYVIEW ESTATE offering over 3800 SF of luxurious living space. This beautifully designed custom-built craftsman home is situated on 2.5 acres with Bay, Olympic Mt. & Island views, gorgeous Western Sunsets. Main & upper floor master suites designed for “aging in place”, designer kitchen with double ovens, stainless appliances, granite & spacious island. Large media room, bonus room with .5 bath. Outdoor living area with fireplace & wet bar. Geothermal heating, heat pump, 44X32 RV shop & 2-car garage. MLS #1008047 1560225
Gorgeous Custom 3,070 sft, 4bd 2.5 bth house in Eaglemont Golf Course Community. Spacious, Bright & Private,high-end finishings. Formal dining & living rooms & office, Hardwood floors, extensive millwork, chef’s kitchen with granite slab, custom cabinets, top of the line appliances 2 drawer dishwasher open to family room & deck. Master bedroom with a tiled 5 piece master bath, giant walk in. Nest thermo, new water heater, 3 car garage w/epoxy coat, LED lights Low maintenance grounds & across from park!
1202 Commercial Ave Anacortes, WA 360-588-1515 • adrhomes.net
$975,000
3
How To Find the Right Roommate
Experts recommend looking carefully for a cohabitation candidate
being in the place that should be your sanctuary.” Just as importantly, “this is the person you’ll be financially tied to for the remainder of your lease, so vetting this person carefully is key,” says Andrew Gruesser, director of leasing for Kass Management Services in Chicago. William Matthews, financial you are locking yourself into a verybody’s heard blind date advisor and real estate agent in lease, living with that person, and Houston, says you can conduct a horror stories. But there are sharing the same space typically just as many cautionary tales roommate hunt by asking friends for a minimum of one year,” says about roommate hunting from and family and searching on renters who learned hard lessons Margarite Halaris, co-founder/CEO Craigslist, newspaper classifieds, of New York City-based BunkUp, an social media and other sources. about cohabitation with someone app that helps match roommate they thought they could trust. All You can also publicize your need the more reason, say the experts, candidates. “It’s not like you’re for a roommate via the same why it’s crucial to search cautiously going out on a few dates with methods, although caution is someone new and can simply walk advised (for additional tips, visit for a prospective roommate and to investigate the person properly away if it doesn’t work out. You craigslist.org/about/FHA). don’t want to be coming home before committing to a co-tenant. “Be very clear and direct on “It’s absolutely critical to select to a living situation where you’re what you are looking for – your uncomfortable and you dread a roommate carefully because deal breakers and pet peeves.
E
GOOD NEIGHBORS MAKE GREAT LENDERS
Travis Brewer
Piero Rodriguez
Home Loan Officer NMLS 55324 CALL 360-230-2248 UmpquaBank.com/TBrewer
Home Loan Officer NMLS 1172408 CALL 360-230-2241 UmpquaBnak.com/PRodriguez
Loan products subject to credit approval.
Member FDIC Equal Housing Lender
1535460
Contact your friendly Skagit Valley area loan officer today!
Home Lending Sales Manager NMLS 487442 CALL 360-230-2246 UmpquaBank.com/SDeVries
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.
NMLS #401867
HLD16Q4.1125
4
congeniality, and a favorable employment history. Other matters to settle before shaking hands are personal areas that will be off-limits, who will write and deliver the monthly rent check, and access for romantic partners. If you’ve already signed a lease and are looking for a roommate to help split the rent, review your lease terms thoroughly and confirm with your landlord that he or she is okay with you bringing another tenant aboard. Ideally, the new roommate should be added to your lease so that they are legally and contractually obligated to fulfill its terms. If the lease remains in your name only, at least create a written roommate agreement you both sign that specifically indicates rights, responsibilities and obligations.
NOW COULD BE THE TIME TO SELL A NEW HOME AND EARN A SLICE OF THE REAL ESTATE PIE
Umpqua’s loan officers 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.
Susie DeVries
Spell everything out, and avoid acronyms in your listing,” says Matthews. To help narrow down roommate candidates, be prepared to ask several significant questions. “Find out about things like work schedule, type of work, hobbies, habits, and family,” Halaris says. Also, “ask questions about compatibility, tidiness, noise, personal belongings, overnight visitors allowed, and what will happen if the rent is not paid,” says Josh Rosenthal, owner of MoveIn.Space, a Washington, D.C.based company that helps renters prepare to move and manage walk-through inspections, who also recommends asking for and contacting references they provide. Positive traits to look for in a co-renter prospect include dependability, trustworthiness,
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1550042
111 E. George Hopper Rd Burlington Title: 360-707-2158 Escrow: 360-707-2312 1-800-869-7121
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www.WindermereSkagit.com RESIDENTIAL 16515 Britt Road, MV $229,900 Mount Vernon rambler loaded with charm. 3 beds, 1 bath, 1,394 SF. very nicely maintained with several outbuildings, carport & shop. Back yard is partially fenced with lots of room for all of your toys. Cedar lined closets, hardwoods throughout, mud room with huge pantry & storage space. Large side yard for a great garden area. Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 MLS# 1030153 NE
W
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26717 Helmick Lane, SW $235,000 Over 5 Acres, fenced pasture, barn with 2 horse stalls & tack room. This 1989 2 bedroom manufactured home has updated windows, remodeled kitchen in 2009, newer hot water heater & back door. Recently painted inside & out, Lg. 2 bay outbuilding with 2 shop areas both w/heat & power. Lg. deck off the front of the home. Call Linda Eastman, 202-4075 MLS# 1062063 7325 279th St NE, Arlington $295,000 Serene acreage in a great commuter location. This truly cared for home offers great living space indoors & out. Large living area is open to gracious dining. Bright kitchen with gas stove. Supersized master with 4pc bath. 2 guest beds plus office/den! Back yard entertainment deck. Plenty of room for your RV & all the toys! Call Elizabeth Miller, 420-3607 or Travis Miller, 420-7291 MLS# 974326 9826 District Line Rd, Burl $299,999 Rambler in a country setting just minutes from I-5. 4 beds, 1.75 baths, 2,116 SF. 2 car garage and large shop on nearly .5 acre. Private backyard with views of farmland & Sterling Hill. Plumbing recently updated in home. Large remodeled rec room, living, laundry room, & kitchen with eating space highlight the interior. Home is located on a quiet street surrounded by established properties. Call Brett Johnson, 661-3825 MLS# 1041632
607 Cedar Tree Drive, SW $319,000 Brickyard Creek community 3 bed, 2.75 bath rambler. Updated kitchen with granite, stainless appliances & stunning backsplash. Spacious floor plan with vaulted ceilings make this a great home for entertaining. New deck in front yard adds to curb appeal. Fully fenced backyard with deck, patio. Call Shelby Hagman, 982-0163 MLS# 1035937 2400 N. Laventure Rd, MV $325,000 This property is beautiful & large. Located inside the city, but very private at the end of a long driveway, this 2.2 acre property has large trees, open space & lots of room to play. Home has 4 bedrooms. Call April Axthelm, 661-4947 MLS# 883055
21865 Swan Rd, MV $459,900 Tastefully renovated home & a 5-bay shop on a desirable 1+ acre. A welcoming design with a Craftsman inspired style throughout. The main floor holds the open kitchen/living/dining, den, master suite, guest bed & bath with 2 beds, bath & a rec room on the lower floor. Chef’s kitchen offers granite, subway glass back splash & SS appliances. SkagitValleyHomes.com. Bill & Jannette Krieger 421-4446/ Shawn & Tiffany Danley 360-298-4857 MLS# 1041701 17721 Tiffany Way, MV $488,800 Custom built home on 1.5 acres. Lovely 4 bed, 3 bath home boasts formal living room with valley view, formal dining room, kitchen & family room surrounded with windows looking out over the 1,000 SF deck, new carpet, master suite with valley view, jetted tub, double vanity & French doors leading to a deck. Oversized 2 car garage. Call Sarah Minton, 770-3076 MLS# 955145
7604 Grandview Rd, Arlington $390,000 Enjoy country living with easy access to I-5 & town. Charming home on 11.65 acres. This 3 bed, 1 bath home has bamboo flooring, new carpet, & upgraded kitchen. Light & bright home with stainless appliances, custom lighting, remodeled bathroom, & deck off the master. Paved driveway, outbuildings & basement for extra storage. Call David Mani, 425-319-7091 MLS# 1053086
707 Lilac Dr, MV $499,999 Stately Hilltop home with beautiful views. 3,171 SF home on large .32 acre corner lot. 3 car garage with storage area. Huge deck area. Spacious rooms, including open concept kitchen/breakfast nook/great room with wall of view windows. Formal dining room, living room w/gas fireplace & vaulted ceiling. Office. Sweeping staircase leads to 3 large bedrooms upstairs. Call Megan O’Bryan, 708-5817 or Spencer Roozen, 708-0634 MLS# 1030882
517 S. 38th Place, MV $439,000 Beautifully updated SummerRidge home with 4 beds plus office. Hardwoods throughout main floor. Kitchen with slab granite counters, opens to sunny informal dining area & living room w/stacked stone fireplace. Formal dining room. Office off entry. Master bedroom w/brand new tile/granite 5piece bath. Finished basement has family/rec room, .5 bath, opens to patio & fenced yard. Attached garage. Call Megan O’Bryan, 708-5817 or Spencer Roozen, 708-0634 MLS# 1037585
22622 N Starbird Rd, MV $575,000 Desirable Conway location. Gorgeous water views, 5 bed, 2,800+ SF home, & monitor barn/shop all on 6+ acres. This custom home features hardwoods, SS appliances, river rock FP, double master, formal DR, & tons of storage. Barn w/roll up doors on either end for pass thru, & loft w/winch, asphalt driveway, outdoor fire pit, patio & deck. Equestrian potential. Call Jamie Yantis, 540-5264 MLS# 1041825
OPEN HOUSE Sat. January 7th, 1-3
13278 Bay View Lane, Bayview $975,000 Bay View home situated on 2.5 acres. 3,800+ SF of luxurious living space. 2 master suites. Designer kitchen with stainless appliances, double ovens, granite counters, & spacious island. Media, bonus room with .5 bath. Outdoor living area. 44X32 attached RV garage. Call Linda Eastman, 202-4075 MLS# 1008047 16708 Britt Rd, MV $1,100,000 Boxwood Farm is that rare combination of stately home & small acreage farm. Privately situated on fertile Skagit farmland, w/options for agricultural &/or equestrian pursuits. Horse-ready w/paddock, fencing, loafing shed, great barn. 240 SF greenhouse. The lovely, fully-updated Williamsburg Colonial is warm, welcoming & centers on a gourmet kitchen & sunny great room. A gracious home, designed for both comfortable daily living & expansive entertaining options. Call Megan O’Bryan, 708-5817 MLS# 924351 12413 Downey Rd, La Conner $2,188,000 135 plus acres of prime farm land, with the building rights in place, located north of the City of La Conner. The property is improved with a 4 bed brick home & 2 warehouses. Call Jim or Balisa Koetje, 202-2500 MLS#956070
Skagit Valley • 1030 E College Way • Mount Vernon • (360) 424-4901 April Axthelm Balisa Koetje Becky Elde Bette Thompson Bill Krieger Brett Johnson Cory Keihn Dave Patterson
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360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-661-3825 360-441-1760 360-708-5030
David Mani Dawn Hardman Deborah McNeal Dick Nord Don Neill Donna Rowell Elizabeth Miller
425-319-7091 360-540-0058 360-707-8073 360-661-6529 360-420-4444 360-708-7984 360-420-3607
George Bellos Geri Cole Harry Ota Hollie Del Vecchio Jake Koetje Jamie Yantis Jim Glackin
360-708-9762 360-391-1614 360-708-3500 360-525-5538 360-466-8045 360-540-5264 360-428-2828
Jim Koetje Karen Beckner Karen Peirolo Karine Anderson Leah Hines Linda Eastman Megan O’Bryan
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360-202-2500 360-840-9455 360-348-0480 360-421-1189 360-428-3012 360-202-4075 360-708-5817
Looking for hom
For a free p WA-CL 713524, OR-ML 5271
Amie Download my smartph
Amie Mani | NMLS ID # 404665 | branch manager/M
North Cascades • 520 Cook Road Nathan Loeb Nicole Ganske Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Shelly Hanson Spencer Roozen
360-333-7197 360-941-8999 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-420-2565 360-708-0634
Tahlia Honea
360-333-5815 B
Tasha Zahlis
360-391-5075 B
Tessa Jarvis
360-503-1939 C
Tiffany Danley
360-298-4857 C
Travis Miller
360-420-7291 C
Warren Bingham 360-770-2421 C
January 6, 2017
www.AnacortesRealEstate.com RESIDENTIAL
3405 K Ave, Anacortes $269,000 Cozy home in great neighborhood. 4 bedroom, 1 bath. Spacious living room and original kitchen with quaint eating nook. Master bedroom has large unfinished closet/storage area. Bonus/office space. Handicap accessible. Separate shop with garage door entry. Easy access to Hwy 20 and Whidbey Island. Cynthia Aanestad 360.610.0120 MLS# 1055665 9117 Molly Ln #A-106, Anacortes $152,000 Terrific location on Hwy 20 behind Jerry Smith Automotive. Great storage space 25x60 feet with 14 ft overhead door and man door. Insulated window for light and overhead gas heater for warmth. Easy access with 60 ft turn radius. Bill Robillard 360.770.4707 MLS# 932864 127 Lummi Cir, La Conner $549,500 Wonderful low bank waterfront home in Shelter Bay with a 30’ dock. Light filled home with beautiful brick flooring & Russian Fp. Views to bay, allowing you to enjoy the boat traffic & peaceful setting for entertaining or just relaxing. Enjoy all that historic La Conner has to offer just minutes away. All the amenities of Shelter Bay included: Golf Course, 2 Pools, Community Center, Tennis Courts, Private Beach & Marina. It’s all here in this well cared for home of your dreams! Rebecca Chamberlain 421.5021/ Kim Wilson 333.2490 MLS# 961801
me financing? I’m here to help!
pre-approval, please contact:
Mani • 360.428.4626 hone app at: amie.mortgagemapp.com
Mortgage Consultant | WMS Series LLC/Skagit Valley
d • Sedro-Woolley • (360) 856-4901
Bill Robillard
360-770-4707 Colleen Craig
Buzz Ely
14004 Biz Point Ln, Anacortes $1,175,000 You know this is a special place just coming down the driveway. Impressive Biz Point home offering 3 bds, 3 bth w/sep living area above 3 car garage including 2nd kitchen. Vaulted ceilings, dramatic architecture with lots of windows to enjoy the stunning sunset views of Burrows Bay, San Juan Islands & Rosario Straits from living area or deck. 2,772 SF of living space & Del Mar amenities including private beach access & mooring buoy. Lovely landscape for privacy at this unique waterfront home. Debbie Macy 360.391.2422 MLS# 978631 1401 16th St, Anacortes $285,000 Wonderful vintage home ready for remodel or addition to build duplex. Site is on corner with view toward bay and mountains. Large detached garage and space for garden and RV. Laundry room, walk in closet, and 2nd bath were added to home in 2003, new furnace is 1998. Siding on addition and upstairs above is wood product. Upstairs are 2 bedrooms with space to expand. Garage 880 SF. Linda Macy 360.708.8284 MLS# 1040288 14175 Cove Ct, Anacortes $625,000 Stately Seaview home on .72 acre. Classic elegance includes living room with vaulted ceilings & formal dining area. Roomy kitchen adjoins comfy family room. Floor to ceiling windows provide lots of light and frame the lovely view of the rolling front yard & distant water view. Spacious master includes sitting area with cozy fireplace, master bath with jetted tub & oversized walk-in closet. Large patio for outdoor enjoyment. 3 car garage. Del Mar membership includes private beach access. Cynthia Aanestad 360.610.0120 MLS# 1053145 18490 Redstone Wy, Mount Vernon $1,200,000 Perched high above picturesque Skagit Valley w/magnificent 180* views to the west out to the sound & to Mt. Baker from your kitchen window! Quality custom home w/rich finishes, dramatic walls of windows & sumptuous attention to detail. Gracious entertaining spaces. 1 bdrm guest house beneath 2-car detached garage. Outdoor areas feature lg. wrap around deck, fire pit, trellised picnic area & beautiful lush grounds. Private gated estate on shy 20 acres. Located between Seattle and Vancouver BC. Leigh Zwicker 360.333.9975 MLS# 1048321
LAND 1817 40th Ct, Anacortes $169,000 Build your custom home on a level 11,900 SF lot in town. The property allows for a gracious home and outdoor space with plenty of options due to access from the quiet cul-de-sac and 41st Street. Utilities are on site and await your plans. Located near the Anacortes Community Forest Lands, take advantage of the walkability right out your front door. Christine Cleland-McGrath 360.708.0267 MLS# 1006382
1956 Thatcher Pass Rd, Decatur Island $110,000 258’ waterfront and almost 5 acres of beautiful trees and unspoiled wilderness. Option available for 1/2 interest in shared well and access easement. Property will need selective logging to capture the view potential from existing bldg. site. Sloped down to the water with a number of flat “benches” to choose from. Amazing price for waterfront property! Island is easily accessed by water taxi from Anacortes and has power and DSL available, beautiful beaches, hiking trails and 1-room school. Sarah Jones 360.333.2783 MLS# 1031500 3903 Isle Wy, Anacortes $125,000 Stunning lot in the desirable Isles development. Great location in Anacortes; minutes from downtown, restaurants, shops, library, the state ferries, and WA Park. All city amenities are at the lot. A preliminary rambler house design is available for the lot. The Isles offers a clubhouse for gathering, community maintained grounds and a one car garage space in the detached community garage. Margi Houghton 360.202.0041 MLS# 1050955 3910 Isle Wy, Anacortes $175,000 Stunning view lot in the desirable Isles development. Spectacular views of the San Juans, Guemes and Bellingham Channels, and sailboat races. Great location in Anacortes; minutes from downtown, restaurants, shops, library, the state ferries, and WA Park. All city amenities are at the lot. A preliminary rambler house design is available for the lot. The Isles offers a clubhouse for gathering, community maintained grounds and a one car garage space in the detached community garage. Margi Houghton 360.202.0041 MLS# 1050923 2811 W 3rd Pl, Anacortes $225,000 8,446 SF lot located in The Highlands a premier custom home neighborhood. Nestled against the lush backdrop of the Cranberry Lake Forest lands The Highlands enjoy some of the most stunning views on Fidalgo Island. Colleen Craig 360.770.9638 MLS# 1013252 2812 17th St, Anacortes $425,000 Paramount views of the Guemes Channel, surrounding San Juan Islands and beyond. This 15,342 SF lot is poised against the lush Cranberry Lake Forest Lands and perched at the top of The Highlands. The Highlands on Fidalgo Islands is a neighborhood of exquisite custom view homes. Located on the west side of the island, this neighborhood enjoys some of the most stunning views on the island. Colleen Craig 360. 770.9638 MLS# 1013212
2911 17th St, Anacortes $425,000 Paramount views of the Guemes Channel, surrounding San Juan Islands and beyond. This 14,810 SF lot is poised against the lush Cranberry Lake Forestlands and perched at the top of The Highlands. The Highlands on Fidalgo Island is a neighborhood of exquisite custom view homes. Located on the west side of the island, this neighborhood enjoys some of the most stunning views on the island. Colleen Craig 360.770.9638 MLS# 810719 2917 17th St, Anacortes $350,000 Paramount views of the Guemes Channel, surrounding San Juan Islands and beyond. This 11,548 SF lot is poised against the lush Cranberry Lake Forest Lands and perched at the top of The Highlands. The Highlands on Fidalgo Island is a neighborhood of exquisite custom view homes. Located on the west side of the island, this neighborhood enjoys some of the most stunning views on the island. Colleen Craig 360.770.9638 MLS# 1013179 Lot 80 Holiday Blvd, Guemes Island $148,000 This one of a kind, large waterfront lot has spectacular views to the southwest of Guemes Channel and islands. Watch the ships go by and the eagles perch in the conifers. This lot has a water share with the Holiday Hideaway Water Company and a soil analysis on file. It is only an eight minute ferry ride from Anacortes and a 90 minute drive from Seattle. Beach rights at three coves. Moorage is also a possibility. Margi Houghton 360.202.0041 MLS# 621877 Island Vw Dr, Anacortes $295,000 This 5 acre high bank waterfront lot has spectacular views of Huckleberry, Saddlebag Island, Padilla Bay and the Cascade Mountains. Park-like setting with conifers, ferns and rocky outcrops. Lot certification has been done. There is a good well and power at the lot. Approximately 335 ft of waterfront. Bring your plans and build your island get-away. Guemes Island is only an eight minute ferry ride from Anacortes. Margi Houghton 360.202.0041 MLS# 819622 128 Lummi Cir, La Conner $169,000 Desirable waterfront level lot with one side of 40’ dock that will accommodate up to a 44’ boat! Well situated on a quiet street that circles around a small park. Underground utilities with water, electricity & sewer at lot. Enjoy Shelter Bay Community yacht club, marina, 9 hole par 3 golf, swimming pools, tennis courts, & two community beaches. Located in a beautiful community just across the Rainbow bridge near the picturesque waterfront town of La Conner. Jackie Stone 360.661.2247 MLS# 917254
Anacortes • 3018 Commercial Ave • Anacortes • (360) 293-8008 360-770-9638 Gina Davis
360-708-7794 Joan Handelmann
360-202-4800 Leigh Zwicker
360-333-9975 RebeccaChamberlain
360-421-5021
360-202-4626 Colleen Sargent Caroline Baumann 360-202-7327 Cynthia Aanestad Catherine Mers 360-982-6831 ChristineCleland-McGrath 360-708-0267 Debbie Macy
360-202-2155 Jack Dixon
360-941-5000 John Prosser
360-202-3891 Linda Macy
360-708-8284 Rick Bennett
360-202-2630
360-610-0120 Jackie Stone
360-661-2247 Judy Moore
360-770-3515 Margi Houghton
360-202-0041 Rob Skelton
360-488-3776
360-391-2422 Jeannine Reinig
360-724-8555 Kathy Rogers
360-941-4400 Nate Scott
360-708-2354 Sarah Jones
360-333-2783
Cheryl Frazier
770-335-7513 Jessica Notaro
360-202-1441 Kristi Gabrielse
360-420-3119 Paul Weisz
360-391-7281 Vickie Cooley
206-949-1010
360-202-4789 Donna Cunningham
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14341 Jura Dr, Anacortes $575,000 Wonderful, one level, 3 BD, 2 BA home with 90+ feet of low bank waterfront, including tidelands. Stunning views of Similk Bay, Mt. Baker and islands from almost every room. Protected waters for kayaking, sailing, and boating. Butter clams, steamers, crabs & fishing at your doorstep. Dead end road with little traffic. Great summer get-away or residence. Carport with enclosed storage space. Some of the wildlife includes otters, seals, eagles, herons, kingfishers, and ducks. Margi Houghton 360.202.0041 MLS# 1054462
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Small Down Question:
We are first-time homebuyers. We are open to an FHA mortgage, but our lender says we also should look at some new mortgages with 3 percent down. What’s the difference between the FHA program and these new loans?
Answer:
The FHA program has been with us since the 1930s and is the traditional go-to mortgage choice for many first-time buyers. The reason is that FHA loans require just 3.5 percent down, have no pre-payment penalties and offer liberal qualifying standards. The FHA doesn’t actually fund mortgages, instead it insures them. If the loan sours, the FHA steps in to pay off the lender. There is a cost for this insurance, currently 1.75 percent for the up-front mortgage insurance premium (the up-front MIP) and .85 percent for the annual mortgage insurance premium (the annual MIP). The up-front MIP can be added to the loan amount so it’s not a cash cost at closing, but it does increase the loan size. Recently a number of private-sector mortgage programs with just 3 percent down have begun to
pop up. Known by various names, such programs are attractive because in many cases there’s no cost for mortgage insurance. Imagine that you want to borrow $150,000. With the FHA the up-front MIP would be $2,625 plus roughly $1,275 for the annual MIP. With a private-sector plan these costs can be eliminated. Reduce the insurance cost and cut the down payment requirement by .5 percent ($750 in this example) and borrowers have some attractive savings. Are private-sector loans with little down easy to get? Maybe yes, maybe no. Here are the ten basic questions to ask: First, what is the interest rate and APR (annual percentage rate). How do they compare with FHA financing? Second, what is the monthly cost for principal and interest? Third, is there an income limitation? Fourth, is there a requirement for reserve funds? (Whether there is or isn’t a requirement borrowers should always have additional cash available for repairs and emergencies.) Fifth, are borrowers required to take a HUD-approved homeownership class? If yes, take it. These are very short classes that can substantially reduce borrowing costs. Sixth, if you’re a first-time buyer, ask if the lender will accept “non-traditional” forms of credit to support your
Q& A
ASK OUR BROKER By Peter G. Miller
mortgage applications, items such as utility bills and rental checks. Seventh, does the down payment have to come from you exclusively or are gifts and grants allowed? Eighth, must you be an owner-occupant? Expect the answer to be yes. Ninth, does the loan allow the borrower to keep all profits from a home sale? Some programs that use government credit have a recapture provision if the home is sold within a certain time period, say nine years. Tenth, is there a loan size limitation? Expect the answer to be yes. Private-sector loan options with little down can be very attractive for borrowers, and are worth looking into if you’re considering an FHA mortgage. At the same time, be aware that these loans need to be fully documented – lenders are not handing out mortgage money without a full understanding of the borrower’s ability to repay the loan.
NORTH PUGET SOUND ASSOCIATION of REALTORS® 525 East College Way, Suite J
Mount Vernon, WA 98273
Tel. (360) 416-4902
www.npsar.com
How Much Mortgage You Can Afford By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget. Homeownership should make you feel safe and secure, and that includes financially. Be sure you can afford your home by calculating how much of a mortgage you can safely fit into your budget. Instead of just taking out the biggest mortgage a lender qualifies you to borrow, consider how much you want to pay each month for housing based on your financial and personal goals.
FINAL PHASE
• • • • • •
New home community designed exclusively for 55+ Starting from the high $300’s Large Homesites - some nearly ¼ acre in size! Yards maintained by the homeowners association Homes range from 1,682 – 3,291 square feet 3-car garages available on some home designs
1.877.769.8070 LandedGentry.com
Still not sure how much you can afford? You can use the same formulas that most lenders use, or try traditional methods for estimating the amount of mortgage you can afford. See these formulas and more at:
http://buyandsell.houselogic.com
Contact Rebecca 360-982-8964 or Mary 360-708-6763. Sales office is open Wed-Sun, 12:00-5:00. Directions: I-5 to Mount Vernon; Exit 225, East on Anderson Road to 4 way stop. Proceed straight on LaVenture to E. Division Street. Right on East Division to Twin Brooks Dr.
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Think ahead to major life events and consider how those might influence your budget. Do you want to return to school for an advanced degree? Will a new child add day care to your monthly expenses? Does a relative plan to eventually live with you and contribute to the mortgage?
Mission Statement: The Nor th Puget Sound Association of Realtor s advocates for Realtor s and their clients, provides services to help members prosper, and promotes the protection of property rights.
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What Goes Up
Mortgage rate predictions for 2017
“W
hat goes up must come down,” Isaac Newton once said. But the opposite is also true, which has many folks in the real estate industry thinking that the golden era of the past few years – when mortgage interest rates reached historical lows – may gradually be coming to an end. Consider that the benchmark 30-year fixed mortgage rate hit its all-time low mark of 3.31 percent back in November 2012. Rates remained, on average, below the 4 percent range for many moons since. But they crept past 4 percent in late 2016, and indications are that they’re on a slow upward trajectory. Many factors can affect mortgage rates this year, including fluctuations in the bond market and in Fannie Mae and Freddie Mac-backed mortgage-backed securities, policies proposed by the incoming Trump administration, economic indicators like employment data and gross domestic product, stock market trends and as many as three rate hikes by the Federal Reserve Board in 2017. “(Federal Reserve chair) Janet Yellen is planning to raise rates in 2017,
January 6, 2017
the economy is moving forward nicely and continued demand for housing and mortgage funds will put pressure on the supply of funds,” says Brent Smith, associate professor at Virginia Commonwealth University’s School of Business in Richmond, Va. “Also, the markets are confident that Trump and the Republican legislature will reduce regulations and generally make it more profitable to conduct business, which will increase confidence and feed increased housing activity. I’m confident that rates, both six months and 1 year from now, will be higher.” Robert Johnson, president/CEO of The American College of Financial Services in Bryn Mawr, Pa., agrees. “I would expect a minimum of two onequarter-point rate hikes in the target Fed funds rate if the economy continues to improve,” Johnson says. “Gross domestic product growth is in the 3.6 percent range for the recent quarter, and unemployment remains below 5 percent. President Trump is likely going to get Congressional approval for fiscal infrastructure expenditures, which are inflationary and will provide more
ammunition to the Fed to raise rates in an attempt to control inflation.” Johnson’s forecast? Expect rates to go up this year, possibly by 50 to 100 basis points (one-half to one percent). Not everyone anticipates steep rate climbs over the next 12 months, however. Eric Meadow, COO/general counsel for Oak Brook, Ill.-based Midwest Equity Mortgage foresees the 30-year fixed rate and 15-year fixed rate hovering closer to 4.25 percent and 3.875 percent, respectively. “Currently, rates are on the rise as a result of speculative investing in the longterm end of the yield curve. But if hard numbers indicate the economy is not heating up, rates will come down,” Meadow says. Erin Sheckler, president of Bellevue, Wash.-headquartered NexTitle, also believes that if rates indeed inch north in 2017, they won’t cause much sticker shock. “I don’t expect to see the average 30-year fixed rate mortgage exceed 4.5 percent in the next year. There will be small, incremental increases as we see increased stability in U.S. employment reports and continued wage growth, and Fannie Mae has
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predicted extremely conservative rate hikes through 2018,” Sheckler says. “There are hundreds of predictions circulating, but no one actually knows. Remember that rates slid steadily downward in 2016, bottoming out with Britain’s vote to exit the European Union. We didn’t see that coming.” The moral to the story? Even with mortgage rates widely expected to bump up in 2017, they’ll continue to remain near historical lows (to put things in proper perspective, consider that, back in 1981, the 30-year fixed rate exceeded 18 percent). But prospective borrowers and homeowners seeking to refinance may want to act sooner versus later. “It’s a great time to refinance or buy a home right now – neither houses nor mortgages are going to get less expensive this year,” says Sheckler, who recommends exploring FHA loans that may offer lower rates than conventional loans and which require only 3.5 percent down; VA loans, which provide rates typically about a quarter point lower than conventional lending; and USDA home loans that also boast incredibly low rates.
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$950,000 3903 E. cOLLEgE wAy, MOUNT VERNON
17714 kiNgFiShER cOVE LANE, Big LAkE
Waterfront home with 75 ft of lake frontage with private dock! Custom Spanish Style home w/ sweeping staircase up to luxurious master suite. Kitchen with granite and sub-zero refrigerator; radiant heat; skylights; vaulted ceilings; surround sound; built in vac; rec room and bonus/storage room. Fantastic views from choice Danya Wolf Carla Fischer of 3 decks!. MLS #1007986 360-708-8294 360-982-0010 1238 TOLEdO ST, BELLiNghAM
$359,950 1802 BAkERViEw cT, MOUNT VERNON $122,000 23786 kAMLOOp cT., MOUNT VERNON
$150,000
home on 3.78 developable acres with possibility to have 20 residential lots. Very level lot for easy development. Home is circa 1900’s. Large bedrooms and dining room. Shop with underground electricity. Home to be sold as is. Commuters
Attractive, large lot in beautiful Eaglemont Golf Course community, close to brand new 20,000+ SF clubhouse, Elva Hunter Joan Boudreau dining and full fitness facilities. 360-202-3086 360-391-0746 Complete plans for a beautiful home on this lot are negotiable. MLS #475295
63 wiLLOw LANE, MOUNT VERNON
Permit-able for in home business. Roomy, 1,700 sq. ft. 3 bedroom, 1 3/4 bath 1 1/2 story home on spacious 1/3 acre lot in convenient location. Updated interior, country kitchen, charm of yesteryear. Easy access to everything! Shopping, schools, bus line and medical. Zoned for possible in-home business. Plenty of parking, including for RV. Nicely fenced back yard with fruit tree and other trees. MLS #1008048
Danya Wolf
360-708-8294
1804 BAkERViEw cOURT, EAgLEMONT
Mount Baker view from one of the premier large lots (10,972 Sq. Ft.) in beautiful Eaglemont! Builder/Owner will build for you or bring your own builder! All utilities are in and ready for you to build. Complete set of plans for a beautiful home on this lot is negotiable. Builder completed 1806 and 1808 Bakerview Ct. MLS #848246
$254,900 604 NORThERN AVE., SEdRO wOOLLEy
$179,000
schools,
Charming home with lots of potential, in need of some elbow grease and imagination; 4 beds/1.5 baths; extra-large and roomy kitchen has loads of cupboards and dining area, lovely Carla Fischer brick fireplace, arched doorways, 360-982-0100 built ins; some original wood floors; sunroom; uniquely fenced yard. MLS #1040913
College, I-5. MLS #1045770
John Hunter
360-202-3854
360-941-2983
$375,000 Large triple-wide manufactured home on 5 plus acres. Newer hardwood floors and carpeting. Sweeping land views. Garage with extra room. G a t e d community for privacy and security. Minutes to I-5. Suzanne Jenkins MLS #1025330 360-941-2983
$219,000 15XXX MEAdOwLARk LANE, MOUNT VERNON
3 Bed/1.75 Bath rambler close to everything! Walk to downtown shops and the Riverwalk! Great starter home. Roomy kitchen with walk-in pantry; ample storage, garden window Suzanne Jenkins and gas stove; vaulted ceilings. 360-941-2983 Fully fenced backyard; deck off slider. MLS #1047096
All city amenities available at street’ including PUD water, electricity, natural gas, cable TV, city sewer and city garbage pick-up. Lovely evergreens and deciduous trees. Over 1/5 of an acre! Includes two tax parcels! MLS #863875
Danya Wolf Suzanne Jenkins Brett Tacker Sandy Everett JoAnn Boudreau Celia Miller Donna Kurras Elva Hunter John Hunter Russ Lanker Shirley Bertholf Carla Fischer Yolanda Sakuma Patricia Box
$165,000
SUZANNE JENKINS
5798 JENNiFER LANE, BOw
$239,000 1510 S 6Th ST., MOUNT VERNON
Beautiful view property, ready for you to build your dream home. PUD water, power and 3 bedroom septic surrounded by a circular driveway or continue on to another wonderful building site - cleared, Carla Fischer Celia Miller level, and with spectacular mountain view! New gravel 360-982-0010 360-391-6065 road is partially paved. Good access from Highway 9 for easy driving into property. I-5 minutes away. Watch for signage. MLS #1014931
shopping,
medical, Skagit Valley
Large lot in Nookachamp Hills Community. Beautiful country setting overlooks a private lake for you to enjoy. Less than 10 minute Yolanda Sakuma drive to the city of 360-421-0435 Mount Vernon. All utilities are stubbed to the lot. MLS #1059504
13813 STATE ROUTE 9, MOUNT VERNON (5 AcRES)
dream!
Close to everything;
EaglEmont Partial bay and city view. 4 bedrooms, 2 full bathrooms. Master bath has walk-in handicap tub and extra vanity, tile floor at bath and kitchen, stainless appliances, dishwasher, range, refrigerator, washer and dryer stay with house. Gas fireplace, Oak floorss, 2 large decks, storage building at back of house. Located near schools, event locations and shopping. MLS #1040211
$600,000 5 Bedroom older Williamsburg Style Colonial
$79,900
Danya Wolf
360-708-8294
360.708.8294 360.941.2983 360.840.7931 360.202.3706 360.391.0746 360.391.6065 360.770.7596 360.202.3086 360.202.3854 360.708.1117 360.840.1863 360.982.0010 360.421.0435 360.941.9186
3780 E. College Way, Mount Vernon
360.424.0300
www.skagittraditionrealty.com 12
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