September 4, 2015
Stillwater
REALESTATE ESTATE
Average Days on Market to Sale: 102 (Year To Date)
W E E K LY
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301 Prairie Rd.
Featured Homes: 301 Prairie Rd. - COUNTRY COMFORT IN YOUR DREAM HOUSE! Enjoy 5 acres and a beautiful brick and stone home with spacious living area and fireplace. The Kitchen is a dream for the cook in the family, lots of cabinets, granite counter tops and eating bar. Split bedroom arrangement with oversized master bedroom and bath! A bonus room upstairs with bedroom and full bath. Three car garage is just what you need for our Oklahoma weather. Low interest rates make this a perfect time to purchase this lovely home. Call Beverly for more info! 51401 E. 4400 Rd.- Beautiful well maintained rock home that was extensively remodeled in 2004, with gorgeous fireplace. The property has very nice 30 x 40 shop with apartment on one side. The property has 6 natural free flowing springs and 2 ponds with an abundance of water. All steel fences and corrals, improved pasture land with tree lined ridges. Plenty of grass for your cattle crop and plenty of wildlife for hunting. This is a very nice home that sets on a rare find of 160 acres in Pawnee County. Call Virginia for more info!
These homes offered by Century 21 Global REALTORS® (405) 624-2626 • 131 N. Main Street
Weekly Features: • About Real Estate • Classifieds • Open House Map Visit our web site at
stwnewspress.com » Classifieds » Real Estate Weekly to download the current PDF edition and see participating Realtors. To advertise your home in Real Estate Weekly, call (405) 372-5000.
51401 E. 4400 Rd.
2
Stillwater NewsPress • Friday, September 4, 2015
Storm-damaged tree report The wind and lightning storm that rolled through the area two weekends ago inflicted quite a bit of tree damage to parts of the area. If the calls we received in the Extension office are any indication, it looks like the southwest part of Stillwater was the hardest hit. While much of the cleanup has already been done, more work likely lies ahead for some of us. Consider the following as it applies to your storm-damaged landscape. If possible, it’s always a good idea to clean up ragged limb breaks with a nice clean cut made according to proper standards. It’s a bit involved to go into too much detail in this column but the general idea is to go back to the next healthy branching angle to make the cut. Leaving a stump is almost as
Home Grown KEITH REED bad as leaving the ragged break in that it will be an invitation for insects and diseases to move in. A proper pruning cut will assist the tree in protecting itself from these attacks as the wound calluses over (think scab in human terms). It is also quite possible that we will see some limbs browning off over the next few weeks in cases where they were cracked or broken but are still attached to the tree. These should also be removed as there is no possibil-
ity that they will heal up properly. The need to apply pruning paint or other cut treatments has generally fallen out of favor in resent years. It simply has not proven itself to be effective and in some cases it can even inhibit the trees ability to protect itself. A word of caution! PLEASE take great care if you are attempting to do your own tree work. Things can get very ugly really quickly when trees, people, saws and
Global Realtors
Linda Li d Schmidt S h idt Broker/Owner, GRI 880-3048
131 N. Main • Stillwater CENTURY 21: Smarter, Bolder, Faster OFFICE (405) 624-2626
2014
Email: bicket21@aol.com View Our Listings & Virtual Tours at: c21global.com •century21.com or realtor.com
NEW LISTINGS
301 Prairie Lane, Morrison - 4 bed/3 bath, 5.66 acres - $349,900 - Beverly 51401 E. 4400 Rd, Pawnee - 3 bed / 2 bath, 160 acres - $490,000 - Virginia
Mike Branson (GRI) 612-5347 mikebranson@ c21global.com
Sandy Blankinship 269-9523 sandy@c21global.com
Beverly Carter (GRI) (CRS) 743-9618 beverly@c21global.com
Virginia Cussner 747-7601 virgnia@c21global.com
See ➤ Storm, page 3
Diana Field 747-4684 diana@c21global.com
Oscar Fortune (GRI) (CRS) 747-6042 oscar@c21global.com
Rosetta Heppel 880-0869 rosetta@c21global.com
Judy Kasso (801) 824-8166 jjkasso@gmail.com
Wick A &
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Thomasville
FOR SALE 29 Rentals on 20 Acres CALL FOR MORE INFO www.wick-realty.com
Alane LeGrand (GRI) (CRS) 747-6950 alane@c21global.com
Cora LeGrand (GRI) 880-0945 cora@c21global.com
Good to the Last
WORD
Hailey Payne 580-336-8580 hailey@c21global.com
Tana Rutan 612-1496 tana.rutan@sbcglobal.net
David Heppel Property Manager 714-4037
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Storm Continued from page 2 ladders are involved. It is very easy to underestimate the size and weight of a tree limb and lives are severely altered or lost in far too many tree trimming situations. Another important tree care topic surfaced in the storm. There were several mature trees broken completely off at or near the ground. In every situation I’ve looked at, there was extensive decay in these trees. In some cases, the decay was not apparent from the exterior or
the overall condition of the canopy. We’ll continue the discussion on some causes for this with next week’s column. For more information on this or any other horticultural topic, you can contact Keith Reed, the Horticulturist in the Payne County Extension office. Keith can be reached via email at keith.reed @okstate.edu, phone at 405-7478320, or in person at the Payne County Extension office, located at 315 W. 6th in Stillwater.
Stillwater NewsPress • Friday, September 4, 2015
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Stillwater NewsPress • Friday, September 4, 2015
What you need to know about student loan debt and new mortgage guidelines Many of us have accumulated some student loan debt during our education. When preparing loan documents, I often see student loans set in deferment or forbearance, temporarily delaying payments or reducing the monthly payment. New guidelines in the mortgage industry change the way lenders calculate student loan debt, which may affect your borrowing power. Here is the scoop. Loan approvals are based on debt ratios (DTI). A lender takes your income and divides it by your debt expenses. For example, if your income is $2,000 and your expenses are $500, your DTI is 40 percent. The more debt
Mortgage Matters MICHAEL DECKER you have, the higher your DTI, and a high DTI can limit the amount of money you may qualify to borrow. Depending on the type of mortgage you’re applying for, a student loan deferment or forbearance may work for or against you. With conventional lending, for the past few years, Fannie Mae’s guidelines require lenders to calculate 2 percent of student loan debt (or repayment amount reported by creditor) in their
overall DTI. Even if a borrower’s student loan payments are delayed, the amount owed is still figured in the DTI calculation. However, recent changes have lowered the requirement to 1 percent, which improves the
DTI, allowing borrowers to qualify for a higher mortgage debt when using conventional financing. FHA Lending guidelines, on the other hand, previously did not count student loan payment deferrals against a borrower’s DTI, as long as payments were delayed for more than 12 months following the closing of a home loan. This was helpful for many first-time homebuyers, allowing them to purchase homes
early in their careers, but the fact is, the payments will eventually become due and may put homeowners in tough financial situations once student loan repayment is required. New rules in FHA lending require lenders to calculate 2 percent of student loan amounts, including deferments and forbearance, to determine a borrower’s DTI. This may affect many first-time homebuyers’ options for financing since their
DTIs may now be higher, lowering the amount of money they are qualified to borrow when using FHA financing. If you have student loan payments, talk with a mortgage specialist to learn what options are available and which loan is the right fit for your individual needs and budget. Shop around and find a lender you trust and feel comfortable with. I’m happy to answer any questions you may have
about homebuying and the mortgage process, even if you are not an RCB Bank customer. Call 405-742-4851 or email, mdecker@bankrcb.n et. Opinions expressed above are the personal opinions of Michael Decker and meant for generic illustration purposes only. RCB Bank is an Equal Housing Lender and member FDIC. RCB Bank NMLS #798151. Michael Decker MLO# 370522.
ABOUT REAL ESTATE might later award to the injured worker certainly would far exceed any money that you had hoped to save. Your homeowners
insurance policy won’t cover any of those costs. And even if no one gets hurt, most insurers won’t reimburse an owner for damage
or incomplete work done by a contractor who didn’t have the proper credentials. Ditto for work that was done without proper permits.
1120 S Adams St. - 3 bed / 2 bath $178,000
New Listing! Built in 2010, this adorable home is better than new! Super convenient location and stylish upgrades with 10 ft. ceilings, stained concrete floors, wonderful windows with a view out onto the privacy-fenced backyard. Granite counter tops in kitchen and bathrooms. Storm shelter in garage. Westwood Elementary.
PPage Provence, CRS Broker Associate (405) 612-0194
See more of this home at www.WeLoveSellingStillwater.com Fisher Provence, REALTORS®
377-1000
623 W. 6th Ave., Stillwater, OK • 377-1213
6507 S. Prairie Rd. - 4 Bd/3.5 Ba, 3664 sq ft house on 10 ac...$280,000
1805 S. Jardot - 4 Bd/2 Ba, on 6 ac.........$300,000
123 S. Keats - 4 Bd/2 Ba, corner lot..........$259,000
508 E. 18th - 4 Bd/1 Ba..........................$82,000
Personalized Service - Professional Results
NewWestRealEstate.net Tommie Eberle Broker/Realtor®, GRI 405-714-2687
Sadie Harrison Realtor®, GRI 405-614-4085
5
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Stillwater NewsPress • Friday, September 4, 2015
and many other able coupons that it why his bid was so types of small consays can help you to much lower than sumer electronics. save up to 80 percent the others, he said The next few That’s partly because on some purchases. that he doesn’t weeks will bring stores are anxious to *** carry liability attractive prices on REAL ESTATE insurance but everything from bar- clear inventory before newer models TRIVIA: instead depends beque grills to matof the same products September is a on his subcontractresses and box are introduced at the good time to stock tors to provide springs. giant Consumer up on items for their own coverDEAR MR. holiday gift-giving age. Is this a comMYERS: What are Electronics Show in January. in December. A mon practice? the best deals on You even might be national survey by ANSWER: home-related able to bolster your Consumer Absolutely NOT! items in savings if you make Reports, though, Anytime a contracSeptember? your purchases on finds that 43 pertor says he can save ANSWER: With the start of fall just a Labor Day weekend, cent of Americans you money because which begins the believe the worst he does not have few weeks away, first week of presents they can liability insurance begin your hunt for September. It’s a par- give or receive are or is simply unlibargains on houseticularly good time to such common censed, say hold items that are household items “thanks, but no the most used in the buy a new mattress and box spring, with as plants, picture thanks” and look warm summer discounts of up to 60 frames, candles for someone else to months. Retailers percent, according to and small kitchen- do the work. are anxious to clear bargain-hunting related goods. Allowing an uninspace for fall- and *** sured contractor or winter-related goods, website NerdWallet.com. DEAR MR. subcontractor to so you’ll find disDealsPlus.com has MYERS: We’re work on your home counts of 50 percent a list of more than 50 planning to makes you personor more in retailers that will remodel our home, ally liable if someSeptember on barhave big Labor Day so we got several one gets hurt on the beque grills, patio furniture, bikes, and sales, and the items bids from contrac- job. The medical tors for the work. costs and any pershrubs and perenni- that each one will feature. The website When we asked sonal financial als. also offers free print- one contractor damages a court You also can find good deals on lawn 11 Cimarron Trails mowers, because (Perkins) dying grass obviously doesn’t need much $267,500 trimming. But oddly, • 3 Bedroom say price watchers • 2.5 Bathrooms at Consumer • Oversized 2 Car Garage Reports magazine, • Pool you’ll also find some of the best deals of 3701 S. Forest the year on snow Trails Ct. blowers in $259,500 September, as retail• 4 Bedroom ers get ready to • 2 Bathrooms stock up on the • Oversized 2 Car Garage upcoming new mod• 2173 Sq. Ft. els. If you take a lot of pictures in your home, such as at birthdays parties or on holidays, you’ll also get some of the best deals of the 120 N. Perkins Rd Ste. D Frank Lewis 405-762-6160 year on digital camStillwater Pinnacle Sales Award Winner eras, DVD players 405-377-1818 By David W. Myers
News Press Stillwater
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Stillwater NewsPress • Friday, September 4, 2015
Homes
For Sale by Owner One-Bedroom One Bath Condominium In Oakcreek Community 55+ Senior Cohousing Community 1806 N. Husband St., Stillwater - Unit 502 Amenities: Birch Flooring in Kitchen/Dining/Living Vaulted Ceilings in Living and Bed Rooms Granite Countertops in Kitchen and Bath Triple Glaze Windows Geothermal System Hunter Duette Honeycomb Shades Skylight in Living Light Tube in Shower, Washer/Dryer Private Garage 3 Storm Shelters on Site, 7.5 Acre Site Beautiful Greenspace beyond Back Patio For Information on Oakcreek Community Go To: https://www.oak creekstillwater.com $162,000 Contact: Larry Lawhon 405-564-5050 (Please Leave Message)
Homes PUBLISHER’S NOTICE: All real estate advertised herein 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.” This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.
OSU Students, RV at home? Used for best rent value at Patriot RV Park. $350 per month with $25 per month student discount. Utilities paid, only 10 minutes from campus. 405-747-6694
Manufactured Homes 16x80 3 bedroom, 2 bath, mobile home for sale. Has garden tub in the master bathroom & a corner fire place in the living room. 405-612-2960
We accept:
Real Estate Rentals Homes 1302 S. Western Ave. Three bedroom 2 Bath, Large Lot $1,100.00 Per Month. Call Today. Henneberry Properties 405-743-7266 1616 W. 6th. St. Three bedroom, 2 bath. Hard wood floors. Close to school and shopping. Call Henneberry Properties 405-743-4266 2 Bedroom with additional 3rd room 916 S. Pine. Nice neighborhood, wood floors, unfurnished, CH/A, new appliances, W/D hookup. $600/mo. + $600 deposit. Available August 15 Call Anthony, 405-2191508 412 S. Lowry 2BR/1BA CH/A. Fenced back yard $550/mo. plus deposit Pets OK. 580-252-4590 or 714-7488 after 5pm. House for Rent 10 Minutes from Campus, great for tailgating, 5 bed / 2.5 bath / 1500 sq ft, 2 kitchens. $1500/mo 314 5th Street Please Call: Ferry (405) -334-8530 or Chris (405)-203-6623 ferry_fardiansyah@ yahoo.com
Homes 9604 S. COTTONWOOD Single Family, 2BR, 1 bath farm house on 4.5 acres with storm cellar. Quiet country location just minutes from OSU. Available on or before October 1. 9604 S. Cottonwood. Call (405) 612-2716 In Morrison 3 bedroom, newly remodeled house for rent, new carpet & CH/A, $700/mo plus deposit Morrison Real Estate 405-747-4154. 1108 S. Walnut 3 bedrooms, 2 baths, refrigerator, range, dishwasher, W/D hookups, detached shop, huge fenced yard, very clean. $900.00 month, 405-3720813 1117 S. Walnut 2 bedrooms, 1 bath, 1 car garage, refrigerator, range, dishwasher, utility room, huge fenced yard, $750.00 month, very clean. 405-372-0813 122 S. Blair 2 bedrooms, 2 baths, refrigerator, range, dishwasher, utility room, huge fenced back yard, $800.00 month. 405-3720813. 4 bedroom 2 bath, for rent available Aug. 1 $1,000/mo $1,000 /deposit 1115 E 4th St. Call 377-6528
Homes Efficiency for rent $550 per month includes garbage and water, horse stall available. 3510 S. Western Stillwater, OK 405-762-6072 Family neighborhood 3 bedroom, 2 bath home on greenbelt. Large kitchen, fireplace, garage, fenced backyard, deck. References, deposit required. $1,100/month. 405-3779423 ATTENTION! NOW LEASING for FALL 2015!
1, 2 and 3 Bedroom Homes, Apartments, Duplexes, in or near Stillwater, Perkins, Cushing. Go to our web-site at www.camp bellmgmt.com to check “ Availability”. Call 405-372-9225 ext 0 to schedule a viewing!
Homes Move in special: 1/2 FIRST MONTH'S RENT Available Aug.1Newly completed efficient 2BR/2BA homes - $750. Call 405-880-2785.
Small efficiency 1 bedroom 1 bath cabin for rent $600/month. Rural setting, utilities paid. Cedar Crest RV Park. 405-3723696
Apartments
at Stillwater
NOW LEASING! 1 AND 2 BR Apts with FREE Amenities AND Golf Privileges!!
405.707.7400 LindseyManagement.com Professionally Managed by Lindsey Management Co., Inc.
Apartments Highpoint Apartment 2 bedroom 1 bath, large closets. Call Henneberry Properties 405-743-4266 Oak Park Village 2 bedroom 1bath. On site laundry, pool. Gas, water and sewer paid. Only 510.00 per month. Call Today Henneberry Properties 405-743-4266 Carleton Crossing is now offering ,1 2, 3, & 4 BD Apartments. Stop by our office today & ask about our move in special. 1001 N. Perkins Rd 405372-7395 Great 2 bedroom townhouses Tamarack Village, Move in ready. Ask about our move-in specials. Call today 405-372-7395
at Stillwater I
1 AND 2 BR Apts with FREE Amenities AND Golf Privileges!!
405-372-9910
LindseyManagement.com Professionally Managed by Lindsey Management Co., Inc.
HENNEBERRY PROPERTIES at Oak Park Village is now offering spacious floor plans for 1 & 2 BD Apartments. Stop by our office today and play our plinko game & save money off your 1st months rent or deposit. 2903 N. Perkins Rd. 405743-4266.
Map
Burris Rd.
Burris Rd.
Chateau Ct.
177
Chateau Dr. Amethyst Ave.
Dun Duncan
Ramsey msey St.
Hartford
Evergreen
rie Dr.. Wil liam Ct..
Perkins Rd.
Knoblock St.
Star Dr.
Park Dr.
Jardot Rd.
Park Dr.
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44th Av.
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Jardot Rd.
Perkins Rd.
Husband St.
Timberline Dr.
Washington St.
Western Rd.
Sangre Rd.
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Persimmo
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Forest Trail Ct.
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Pennsylvania ylvania St.
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Blair St. Payne St.
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Manning St.
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Lewiss St.
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Duncan n St.
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Lincoln St. Lincoln Brooke Lincoln SSt. St. Hollow Ct. Monroe St. Monroe Monroe onroe St. St. J ferson Jef St.
Ivy Ct.
Liberty Ct.
McDonald St.
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24th Av. August Dr. Cambridge Ct.
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177
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Stillwater NewsPress • Friday, September 4, 2015
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Stillwater Municipal Airport
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.
Hunters Ridge
Week of Sunday, Sept. 06, 2015
McMurrttr
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7
Special bathtubs corner market By Ed Del Grande Tribune News Service
Q: Dear Ed, I am installing a wet bar in my finished basement. I’m planning on a granite countertop with an under-mounted bar sink. My question is with the faucet. I don’t want the standard candy cane-type bar faucet. I’m looking for some-
thing like a high spout, pull-out type kitchen faucet. But, a kitchen faucet is a little too big for the area. Any suggestions? - Fred, Massachusetts A: In this case I would suggest you keep it in the family. That may sound like unsound plumbing advice, so please let me explain. In recent years, a
new trend in highend kitchen faucets has become very popular, and it’s called “faucet families.” Simply put, a faucet family would include a standardsize kitchen faucet for the kitchen sink and a smaller copy of that kitchen faucet for the island prep sink. This me and minime look can really tie a kitchen together style-wise.
RE/MAX SIGNATURE 114 W. HALL OF FAME STILLWATER, OK 74075
Denise Talley
Cheryl Carpenter Martin
DeniseTalleyREKNXN.com 405.269.9137
CherylCarpenterMartinHomes.com 405.880.7354
Gina Killough
Stillwater NewsPress • Friday, September 4, 2015
GinaKilloughHomes.com 405.612.2210
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Ted Newlin
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AudreyBryantRealEstate.com 405.742.8168
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Candy Yundt
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