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Weekly Features: • About Real Estate • Classifieds • Open House Map
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The percentage of consumers say they want virtual reality tours of a property, according to a new survey.
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10218 Brenna Dr., Perkins
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$224,000
January 19, 2018
$267,900
10312 Brenna Dr., Perkins
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4410 Jenna Ln.
$224,000
4509 Jenna Ln.
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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.
$221,500
4316 Jenna Ln.
$145,000
1610 Berkshire
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Stillwater NewsPress • Friday, January 19, 2018
Remembering a ‘housing hero’ 50 years after his death The Civil Rights Act of 1968 provided much-needed protection for minorities and others when it comes to housing. The landmark legislation was inspired by the teachings of Dr. Martin Luther King Jr. and pushed through a reluctant Congress by President Lyndon B. Johnson. DEAR MR. MYERS: Does the federal Fair Housing Act prohibit sellers or landlords from discriminating against people based on their sexual orientation? ANSWER: No. A handful of cities specifically have extended federal anti-discrimination housing protection to LGBTQ individuals and couples, but the U.S. government itself does not. The federal Fair Housing Act, part of the larger Civil Rights Act of 1968, initially prohibited a seller, landlord or bank from discriminating against a buyer or tenant based on race, religion, national origin or sex. In later years, Congress expanded the law to ban discrimination based on a person’s disability or family status. The proposed legislation had been languishing in Congress for more than two years. But President Lyndon B. Johnson finally pushed through the Capitol Hill morass and per-
That said, Two from Texas to Egg, Florida, would Florida in August be a great place to to take a new job. have your morning Will my moving exmeal. So would Cepenses be deductreal, Pennsylvania ible on my 2017 or Oatmeal, Texas federal income tax - especially if you return? pick-up some fruit ANSWER: Yes, at for your bowl in least some of them Strawberry, South will be deductible. suaded lawmakers to ernment, made the Carolina. Generally, the Interapprove it just days pro-South residents Don’t forget your nal Revenue Service after civil-rights lead- in the rest of Talbot bread from Toast, will let you write off er Dr. Martin Luther County even angrier North Carolina. your moving expensKing Jr. was assas- but it also made a Something from es if your new job sinated on April 4 in dramatic statement Bacon, Texas, would is at least 50 miles Memphis, Tennessee. by the now-freed be good too. farther from your old President Johnson black vets about the With all due rehome than your old said his approval of principles of equality spect to my relatives job was. If you meet the landmark legisand liberty. and friends in the this so-called “dislation was a fitting *** Bluegrass State, I’d tance test” - which tribute to the slain DEAR MR. skip breakfast in you obviously do Dr. King. It’s fitting, MYERS: I enjoyed Rabbit Hash, Kenyou can deduct the too, that so many your recent coltucky. But some fried cost of hiring profesAmericans will honor umn about towns grits from Hominy, sional movers (both the African-Amerthat are named Oklahoma, would be for packing and the ican minister and after food. But nice - if they don’t actual transportation peaceful activist on how did you forget come from the fields of your household Jan. 15, which would about my mom’s of Burnt Corn, Alagoods), or the cost have been his 89th home, the city of bama. of renting a moving birthday. Two Egg, Florida? *** truck if you’re doing This also is a good ANSWER: I’m DEAR MR. the work yourself. time to wish Unionsorry, but that colMYERS: I moved You also can deville, Maryland, a umn was about holbelated happy 150th iday dinners, rather birthday. Not far than breakfast the from the Chesapeake next day. Bay, it essentially I always am was founded by 18 amazed that I can black veterans who spend 50 hours or had fought in the more researching pro-Lincoln Unitand writing about a ed States Colored new tax law or SuTroops during the preme Court ruling, Civil War. and only two or three Unionville is bereaders will send a lieved to be the only follow-up question. American town to be But if I don’t mention founded by war vets their hometown in who previously had the silliest of colbeen enslaved. No umns (like the one I Sandy Blankinship Mike Branson Beverly Carter Sandy Blankinship Mike Branson Beverly Carter 405.269.9523 405.612.5347 405.743.9618 slaves were allowed 405.269.9523 405.612.5347 405.743.9618 penned a few weeks in the Talbot County ago about towns community, where that are named after pro-slavery supportfood), I get showered ers still were angry with letters from about losing the War. good folks like you Naming the town who lament that a “Unionville,” after community they love Virginia Cussner Oscar Fortune Diana Field Virginia Cussner Oscar Fortune Diana Field the hated Union gov- wasn’t mentioned. 405.747.7601 405.747.6042 405.747.4684 405.747.7601 405.747.6042 405.747.4684
About Real Estate
DAVID MYERS
duct the cost of travel for yourself and the members of your household from your old home to your new one. That includes the cost of lodging, but not meals. Additionally, the IRS provides move-related mileage deductions if you or a family member drove your personal vehicle to the new home. You can deduct either the actual expenses, such as the amount you pay for gas and oil, or a flat 17 cents for each mile that was traveled. There are some caveats: For starters, expenses that are reimbursed by your new employer are not deductible. Equally important, you must take the most direct route from your old home to your new one. That means that if you moved from
Dallas to Miami but decided to spend a week’s vacation in Chicago along the way, you can’t expect Uncle Sam to help subsidize your sightseeing detour. Get a free copy of IRS Publication 521, “Moving Expenses,” by downloading it from www.irs.gov or by phoning the agency at 800-829-3676. Also consider talking with an accountant or similar expert. Your job relocation occurred last year, so your related write-offs are safe. But most people who move this year or beyond won’t be as lucky: The recently approved Tax Cuts and Jobs Acts repeals the moving-expense deductions, beginning in tax year 2018, for all except certain members of the Armed Services.
Tana Rutan Tana Rutan 405.612.1496 405.612.1496
Alane LeGrand Alane LeGrand 405.747.6950 405.747.6950
Judy Kasso Judy Kasso 801.824.8166 801.824.8166
Jeff Grizzle Jeff Grizzle 405.714.4037 405.714.4037
David Heppel David Heppel 405.269.6907 405.269.6907
Rosetta Heppel Rosetta Heppel 405.880.0869 405.880.0869
Extending the vegetable growing season Home Grown KEITH REED
Farmers Market tomatoes are doing this and having great success. The cover helps manage moisture, disease and damage from wind. This isn’t necessarily something a home gardener will want to try the first year of hoop
house growing, but it gives you some idea of the potential advantage this method holds. See OSU Fact Sheet #HLA 6720 High Tunnels for some helpful information. For real-world examples of hoop houses in operation, go to
Oklahoma Gardening’s channel on YouTube.com and type hoop houses in the search box. You’ll find several show segments featuring the topic. 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 405-747-8320, or in person at the Payne County Extension office, located at 315 W. 6th in Stillwater.
Some of our state’s plants to survive best suppliers of most early spring/ late fall cool temps. In cases of unusually cold weather, an additional layer of protection in the form of frost blankets can be draped Dolores Lemon CRS, CRB, GRI over the plants to Broker/Owner provide another 405-747-7822 5-10 degrees of cold protection. www.stw-realestatepros.com There are a downtownstw.com couple of important points to note Donna Rhinehart when considering GRI, CRS gardening with a Bringing Buyers & Sellers Together .... Professionally. Realtor Associate hoop house. You 405-612-0509 NEW LISTINGS must be prepared 9319 S. Brush Creek Rd-5 acres with an option for 16-$45,000-Jack to be available 1314 S. Chester2 bed 2 bath REMODELED-$87,000-Jack on short notice to 4724 W Country Club Dr.-NEW CONSTRUCTION 4 bed 3 bath-$330,000-Donna open and close the 809 Tony, Perkins-Corner Lot 3 bed 2 bath 1702 sq ft-$166,900-Lori structure up as the Jack Allred 2401 Melissa Ln - Just like New 4 bed 2 bath Storm Shelter-$199,900-Ann temperature flucBroker Associate 3202 S Perry Rd - 20 acres in Mulhull School Dist.-$60,000-Lori tuates. While cold 405-747-8647 3504 N. Ramsey - Dome Home 4 bed 3 bath 2 car garage 2643 sq ft-$165,000-Tiffany weather is self-explanatory, excess 10218 Brenna Dr - NEW CONSTRUCTION 4 bed 2 bath 1969 sq ft 2.5 acres-$285,505-Donna heat can be just as 10312 Brenna Dr - NEW CONSTRUCTION 4 bed 2 bath 2 car garage 1848 sq ft-$267,960-Donna much of a problem 6817 E 6th - COMMERCIAL PROPERTY Highway frontage-$138,000-Tiffany as temperatures 925 Springdale Dr - 2 bed 2 bath MOVE IN READY-$229,000-Donna Jennifer Oliver inside a closed up 701 W. Hartwood - 3 bed 2 bath 1609 sq ft-$157,900-Melissa GRI hoop house can Realtor Associate 1003 N Cimarron Hill - 4 bed 3 bath 2 car garage With a shop!-$355,000-Amy 405-612-4984 easily exceed 100 3200 S. Perry Rd - 20 Acres in Mulhall School District-$60,000-Lori degrees on a warm 1622 Fiddlers Hill - JUST LIKE NEW-$446,000-Tiffany spring day. Also, 5324 W. Country Club Dr - UPDATED 4 bedroom 5 bath 1.5 story with pool $432,000 - Tiffany you must also 3 Lots in Lost Creek Meadows over 1 acre each - $19,500 or below - Lori be prepared for 780735 S 3500 Rd Seller will pay up to $5000 in Closing Costs 10 acres 4/2/2-$159,000-Kyle extreme weather Lori Kastl 347368 E 800 Rd 4 bed 2 bath Home in Agra Schools with 43 acres - $316,000 - Kyle events that the CRS Realtor Associate hoop house simply PRICE REDUCTION 405-880-2844 38205 S 34400 Rd, Pawnee- 320 acres of prime hunting and farming-$512,000-Tiffany can’t protect from. 2008 Celia- NEW CARPET Move in ready - $207,500 - Amy While most gardeners remove the OPEN HOUSES SUNDAY, JANUARY 21 1-3 PM 10218 Brenna Dr, Perkins-$285,505- Donna plastic when the 10312 Brenna Dr, Perkins-$267,900-Donna weather warms, 4410 Jenna Ln-$224,000-Lori some continue to Cheryl Moody 4509 Jenna Ln-$224,000-Lori Closing Coordinator grow under plas4316 Jenna Ln.-$221,500-Lori 405-372-5151 1610 Berkshire-$145,000-Ann tic year-around.
Tiffany Aranda GRI, CRS Realtor Associate 405-714-1214
405-372-5151 Downtown Office - 723 S. Main Street
Kyle Bottger Realtor Associate 405-612-6724
Melissa Woods GRI Realtor Associate 405-385-2035
Amy Parsons Realtor Associate 405-714-0882
Ann Morgan Realtor Associate 405-614-9600
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Kamil Zelezik Estates Photography
Stillwater NewsPress • Friday, January 19, 2018
While our latest cold snap might rightfully give cause for doubt, spring gardening season will be here before we know it. If you’re anxious to get started as soon as possible in order to get the maximum production out of the growing season, you may want to consider using some simple season extension structures. Terms for these can vary but they are commonly referred to as hoop houses, low tunnels or high tunnels. In Oklahoma, these structures can extend the growing season approximately one month, both in the spring and fall. On first glance, these structures resemble plastic covered greenhouses. However, there is a fundamental difference. Greenhouses are permanent (or at least semi-permanent) structures with supplemental heating and cooling capabilities. Season extension structures, we will refer to them as hoop houses for the balance of this discussion, do not have these features. Hoop houses rely strictly on the power of the sun for heating. Once the soil is warmed under a hoop house, it creates a significant heat sink that allows
Help make a difference in a healthier food system with 2018 seed catalogs By Maureen Gilmer
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Stillwater NewsPress • Friday, January 19, 2018
Tribune News Service
“I believe that the positive power of seeds is the best way to accelerate our transition to a healthier food system,” says Tom Stearns, owner and founder of High Mowing Organic Seeds. He wants to help us all make a difference in the world with the great new 2018 catalog. A whopping 112 pages of full color veggies and flowers means the resource will be welcome on any gardener’s desk. But if Stearns has his way, it will be on everyone’s desk, urging us all to grow organic in the backyard. High Mowing sells seed to both the consumer and market gardeners who demand tried-andtrue varieties. Some heirlooms and modern varieties are not well proven or too highly specialized, so they won’t show up in these pages. That makes this a carefully juried collection that can be counted on to perform well for everyone. The key is to read each description carefully, as every word counts. There you’ll discover essentials about how to grow each plant and tips on where they do best and ways to enhance your harvest. Order your color catalog online from
the website at highmowingseeds. com, or just go there and shop direct. However, today it’s easy to peruse the catalog at your leisure, then go online to order so you don’t have to fill out forms and send them in any more. Once it arrives by mail, this may become your best resource for details on growing each kind of vegetable from the experts in Vermont. Many other catalogs are available in January that are the foundation of our homegrown seed suppliers. These are well known companies that offer a huge selection of seed with lots of great photos and detailed info. Baker Creek Heirloom Seeds, rareseeds.com Full color glossy catalog. This is the premier catalog for beautiful glossy pho-
tography that makes anyone long to grow perfect vegetables. There is a wide range of unusual heirloom varieties for exotic winter squash and colored corn and lesser known greens. Johnny’s Selected Seed, johnnyseeds.com Full color glossy catalog. Geared to the market grower, this is a hard-working catalog and the most informative of all. The vast amount of growing information, graphs and charts help you to learn how to optimally plant and harvest just like the farmers do. Territorial Seeds, territorialseeds.com Full color matt catalog. Responding to conditions in the Northwestern states, this company specializes in varieties suited to the heavy
Sunday, Jan. 21 2:30-4 pm
rain and cloud cover of the Pacific Coast. This is where you find tomato varieties for San Francisco. All these catalogs contain growing supplies as well, many of which are not available at ordinary garden centers. Here you will find all the modern textiles used by farmers to protect their crops from bugs, heat and cold. Called row covers or season extenders, these supplies keep your fall greens sheltered enough to harvest throughout milder winters. This is a good resource for lots of specialty organic growing supplies such as liquid fertilizers for boosting raised bed fertility. You may decide to invest in a bottom heater. That’s just like an electric heating pad but made to slide under your seed trays. This simulates
the same conditions for a newly planted seed it would encounter in the warming soils of spring, which kick off rapid germination. For very cold climates, these are essential to getting your seeds up and going, despite cloudy days and cold air. It’s recommended you buy fresh seed every year, even if you have leftovers from before. Each seed in storage reduces germination rates over time so fewer seeds sprout. When the seed is freshly packed for the current year, you can depend on 100 percent performance. Order your catalogs with the new year and start studying during the long post-holiday doldrums. Prepare to learn, to make the right choices and cultivate the best garden of your life in 2018.
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Coldwell Banker Team Stillwater is thrilled to announce and would like to congratulate Brett Powers on receiving the Rising Star Award presented by the Stillwater Board of Realtors for his achievements during his first year of real estate sales in 2017. The Rising Star Award was presented to Brett at Meditations during the annual SBOR Installation Banquet and Awards Ceremony on Wednesday, January 10, 2018. Brett had over $2.5 million in sales for 2017. The award is presented to the rising star of the industry by a nomination and vote from real estate peers.
623 W. 6th Ave., Stillwater, OK • 377-1213
OPEN HOUSE SUNDAY 2-4 PM
1624 N. Hightower St. - $319,000 4 Bedroom / 2.5 Bath / 2 Car Garage 2.5 Acres w/large pond / newly renovated kitchen
Jason Utley 1020 N. Boomer | 405-533-3800
Realtor® GRI 405-334-3388
5810 W. Villas Court 3 Bed / 2 Bath / 2 Car Garage $249,900 Located in Woodlake Villas.
Ashley Phillips
49450 S. 35000 Rd • Pawnee, OK $250,000
A horse lover’s dream place! Three beds, 2 baths, 2-car garage home sitting on ten acres. Barn has four stalls, tack room, washer, dryer, concrete wash area, two custom hitching posts, two animal sheds 703beautiful Jackson, Perry, OK pantry, patio doors and storage shed. Kitchen has cabinets, Craftsman Styleno Home on two lotstraffic located in Perry, Oklahoma. Built in 1920,Property this historic leadingBeautiful to cellar. With passing privacy is obvious. two story home features 3 bedrooms, 1.5 baths, 2,484and sq. ft.electric. of living space, unfinished basement has mobile home site with water, sewer This home is for family, entertaining guest making horse enjoyment. with pantry and laundry areas,and central HVAC andspace hardwoodfor floors. NEW PRICE $149,900
Personalized Service Personalized Service CALLCALLProfessional Results! ! Professional Results! W O ! N W NO
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Larry Souders
ashley.heartlandrealty@gmail.com HEARTLAND REALTY
Larry Souders Realtor Associate Realtor405-780-3265 Associate 405-780-3265
Tommie Eberle
Tommie Eberle Broker/Realtor®, GRI Broker/Realtor®, GRI 405-714-2687 405-714-2687
The language of mortgage lenders Lending officers have their own language. We try not to use unfamiliar jargon when working with customers, but “talking mortgage” is second nature to us. Let me clarify some lingo my customers have called me out on. 1003, pronounced ten-o-three, is simply your loan application. This is a uniform document all lenders use as their mortgage application. LTV, loan-to-value. This is a ratio of what you owe on your home versus what it is worth. In a home purchase transaction, this is also your loan balance versus your
Mortgage Matters KENNETH WOHL purchase price. The industry uses the lower ratio — appraised or purchase price — as the value of the home. Therefore, your purchase LTV may be higher than your actual LTV if your appraisal comes in higher than your purchase price. CLTV, combined loan-to-value. This is like your LTV, but includes the overall loan amount
versus the overall value when combining a first and second mortgage. DTI, debt-to-income ratio. Also known as back-end ratio. A percentage of a consumer’s monthly gross income that goes toward paying debts. Front-end ratio, mortgage-to-income ratio. Indicates which portion of an individual’s income is used to make
mortgage payments. It is computed by dividing your projected monthly mortgage payment by your monthly gross income. Front-end and back-end ratios are used by lenders to determine how much you can afford to borrow. PMI, private mortgage insurance. Commonly referred to as MI or mortgage insurance. This is required on loans for which the buyer makes less than a 20 percent down payment or has less than 20 percent equity on a refinance. This insurance policy protects the lender in case the borrower ends up in foreclo-
sure. CD, closing disclosure. A required disclosure given to all borrowers on mortgage loans three days prior to closing. This is a five-page document that details loan terms, payments, fees and other costs. LE, loan estimate. This document mirrors the closing disclosure, but is issued at the beginning of the loan application. Since the two documents look alike, it is easy to compare fees, costs and changes from start to finish. Hazard Insurance, homeowners insurance. When it is time to buy or refinance
a home, talk to a local lender first. The more you know about the mortgage process, available loan options and your individual qualifications, the more satisfying your homebuying experience is. I am here to help, even if you are not an RCB Bank customer.
Feel free to call me at 405.608.5291 or email me at kwohl@ bankrcb.net. Opinions expressed above are the personal opinions of Kenneth Wohl and meant for generic illustration purposes only. RCB Bank is an Equal Housing Lender and member FDIC.
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NEW LISTING 4314 BRAXTON LANE
®
of
RE/MAX SIGNATURE Stillwater, OK 405-533-3000
505 E. Chantry, Perkins Beth Peterson, GRI Broker/Owner 405-880-4370
COMMUNITY ESCROW & TITLE CO. “WE CLOSE LOANS ANYTIME... ANYWHERE”
623 S. Lewis Stillwater, OK 74074 (405) 780-7196 www.communityescrow.com
$95,000
PENDING
Freeman/Linda
1020 S Rose Rd (reduced)
$125,000
FOR SALE
Linda
2319 S Silverdale (reduced)
$310,000
SOLD
Linda
1803 E 143rd
$95,000
FOR SALE
Trent
1003 E 80th (10 acres)
$100,000
FOR SALE
Freeman
5704 S Perkins Rd
$499,900
FOR SALE
Freeman
Freeman Dilbeck BROKER/Owner 405-612-4429
Trent Hawkins Sales Associate 405-332-6911
33 Yellowbrick Dr - Ready for you - in the Southwest - 1 owner custom built by Ron Walker 4 bed / 2.5 bath / 3 car garage with storage. Just under 1 acre lot with mature trees. Large open living room, dining room, family room. Spacious kitchen with tremendous storage and island. 5 burner stovetop and sub-zero refrig. Large master with huge walk-in closet. Security system, sprinkler system, safe room and many extras. Close to schools, must see ................................$485,950
1013 E. DELL - 3 bed / 1.5 bath / 2-car garage. $126,500 PENDING
Linda Klinger, GRI Sales Associate 405-612-0454
Insurance and real estate
Serving Stillwater Since 1950
THE DILBECK AGENCY BARBARA HOUCK BROKER/OWNER
30+ years of experience
372-5343 x130
www.houckagency.com • 8 MAIN PLACE/Ste. 2 • DOWNTOWN STILLWATER
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104 E McELROY 405-372-2792 DilbeckAgency.com
BARBARA HOUCK - REALTOR® - 747-8804 KENT HOUCK - REALTOR® - 372-7060 JOHN GAGE - REALTOR® - 612-6068
Stillwater NewsPress • Friday, January 19, 2018
4 BEDROOM / 2 BATHROOM 1551 SQ FT ON .75 ACRES $160,000
Beth Peterson
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Stillwater NewsPress • Friday, January 19, 2018
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.
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Homes ATTENTION! NOW LEASING For Summer / Fall 2018! We also have Units Available For January 1, 2018 as well as for Immediate Move-In! 1, 2, 3, & 4 Bedroom Homes, Apartments, Duplexes in Stillwater And Surrounding Areas. campbellmgmt. com 405-372-9225 ext 0 to Schedule A Viewing!
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HELOCs will survive despite new tax law their home, and the 11043 of the new combined total of tax law eliminated their first mortgage home-equity debt balance and their interest deductions, HELOC or second it left virtually mortgage does not untouched interexceed the new est deductions for $750,000 limit on primary home mortgage amounts mortgage debt (”acqualified for interquisition indebtedest deductions. (The ness”) that is used previous ceiling was to buy, improve or $1.1 million for the construct a new first mortgage and home. As long as home-equity debt you follow the rules combined.) on what constitutes “The key here is a capital improve(how) you use the ment – spelled out proceeds” of the in IRS Publication HELOC or second 530 – and do not mortgage, Ernst & exceed the $750,000 Young tax partner total debt limit, “it Greg Rosica told is deductible,” said me in an interview. Rosica. You can’t buy a car Banks and other anymore. You can’t lenders active in spend the money HELOCs and secon student loans, ond-mortgage arebusiness investnas agree with this ments, vacations or interpretation and most of the things plan to continue you used to be able offering home-eqto do. Now, to take uity products. Bob deductions on the Davis, executive interest you pay, vice president of the you’ve got to limit American Bankers expenditures to cap- Association, told ital improvements me “HELOCs will on your house, or – still be in the mix,” less likely – buying despite widespread or building your concerns that they principal residence. might disappear THE RE/MAX SIGNATURE EXPERIENCE Dedicated professionals providing unrivaled service. The reason, said after the eliminaRosica, a widely tion of the home-eqrecognized expert uity section of the on real estate tax code. tax law, is that Michael Kinane, although Section head of TD Bank’s RE/MAX SIGNATURE 114 W. HALL OF FAME, STILLWATER, OK 74075 405.533.3000 | StillwaterSignatureRealEstate.com
Gina Killough
Cheryl Carpenter Martin
GinaKilloughHomes.com 405.612.2210
CherylCarpenterMartinHomes.com 405.880.7354
Ted Newlin
Vicky Jerome
TedNewlin.Realtor.com 405.714.5309
VickyJeromeHomes.com 405.747.7239
Tina Darr
extensive second-lien product offerings, said in a statement for this column that HELOCs and home-equity loans remain available and popular, whether interest is tax-deductible or not, and can be “the best, lowest cost option for homeowners.” In mid-January, TD’s rates for owners with solid equity and good credit on a $100,000 HELOC were 3.99 percent APR, about half a percentage point below the prime bank rate. A survey of HELOCs and second-lien lenders active on the LendingTree.com loan-shopping network conducted for this column found a “consensus” that not only will lenders continue to offer such financing, “but more lenders will offer them as home prices [and] values rise,” according to spokesperson Megan Grueling. Lenders generally won’t advise you on interest deductibility, urging instead that you consult your tax adviser.
Candy Yundt
THE RE/MAX SIGNATURE EXPERIENCE Stillyhomes.com 405.697.0045
CandysHomes.com 405.742.4525
Dedicated professionals providing unrivaled service. Brooks Thomas
Julie Bahl
BrooksThomasRealty.com 405.880.3476
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RE/MAX SIGNATURE 114 W. HALL OF FAME, STILLWATER, OK 74075 405.533.3000 | StillwaterSignatureRealEstate.com Amanda Meberg
Kasey Longan
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admeberg@gmail.com 405.612.2096
Candy 22 Yundt OPEN HOUSE Brooks Thomas SUN. JAN.
Also, the final word on interest deductibility will need to come from the IRS. But the attorneys, CPAs and legislative tax experts consulted for this column were unanimous in their belief that the IRS will agree with their interpretation of the law changes. Bottom line: Despite rampant rumors to the contrary, home-equity-based lending won’t be disappearing anytime soon. Borrowers who want to deduct interest will need to restrict their expenditures to qualified home improvements. Others who simply want to tap into their equity they’ve built up at attractive interest rates and use the money for whatever they choose will be able to obtain
Beth Peterson
924 S. Kings - $219,000
1-3
See more of this home at www.WeLoveSellingStillwater.com
CandysHomes.com Beth 405.742.4525
Fisher Provence, REALTORS®
Each office independently owned and operated.
Ted Newlin
TedNewlin.Realtor.com 405.714.5309
Tina Darr
Stillyhomes.com 405.697.0045
Kasey Longan
www.propertyjustforyou.com 405.880.5569
Cheryl Carpenter Martin
CherylCarpenterMartinHomes.com 405.880.7354
Julie Bahl
StillwaterHomeTeam.com 405.762.3744
Amanda Meberg
admeberg@gmail.com 405.612.2096
Page Provence, CRS Broker Associate (405) 612-0194
377-1000
A7
1-2:30 Tina SUNDAY, 21 1124 Stoneridge Dr. JANUARY 12-1:30 Julie 806 Stoneybrook • 2-4 p.m. ~ Rachel 6209 W. Canterbury
Since they will no longer be itemizing, no big deal. They won’t be thinking about interest deductions anyway. Ken Harney’s email address is Harneycolumn@ gmail.com.
Wow! Great home in a wonderful location. So handy to everything, just minutes to OSU, the hospital or career tech, the coffee shop, the grocery store, the pharmacy. . .very centrally located. You must step inside! This home’s transformation is absolutely wonderful! 924 S. Kings has it all. . . 2 living areas, a fireplace, pretty wood floors, an indoor storm shelter, 4 bedrooms plus an office that can easily be a 5th bedroom. That office/bedroom has Pella sliding doors with built- in blinds on the south side of the house with a parking pad in front of it. Perfect set up if you give music lessons or have a home business. Stylish and well done renovations inside, truly, a must-see. Nicely updated kitchens and bathrooms. New chain-link fence and 7 X 7 storage building. Plenty of parking, and 2 car attached carport with extra storage inside. Spacious floor plan with two bedrooms and full bath on both the east and west ends of the house. Large laundry room with plenty of space for hanging and folding. Central heat and air unit replaced two years ago. Westwood elementary. This 2440 sf. quality home offers more that you expect, come on in and see it. Immediately available..
OPEN HOUSE
Gina Killough
BethPetersonHomes.com BrooksThomasRealty.com GinaKilloughHomes.com 405.880.4370 405.880.3476 405.612.2210 2618 Lyndsey Ct.
HELOCs or second mortgages, just as they did in the past. And for those owners who now plan to opt for the standard deductions of $12,000 or $24,000, there’ll be no issue at all.
Stillwater NewsPress • Friday, January 19, 2018
WASHINGTON – It’s a big and confusing question for many homeowners in the wake of the December tax law changes: Are new interest-deductible home equity credit lines (HELOCs) and second mortgages now totally out of reach going forward? The new law eliminated a long-standing section of the tax code that allowed homeowners to borrow against their equity and use the proceeds for whatever purposes they chose, while deducting interest payments on their federal taxes. That provision of the new tax law took effect Jan. 1, so it’s logical to assume that popular tax-deductible HELOCs no longer will be available. They’re dead. Right? Not quite! To borrow a phrase from Miracle Max in “The Princess Bride,” the traditional uses of HELOCs may be “mostly dead” – but not all dead. A close reading of the final language rushed through Congress last month reveals that interest-deductible HELOCs and second mortgages should still be available to homeowners provided they qualify on two criteria: they use the proceeds of the loan to make “substantial improvements” to
Yost Rd.
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Stillwater NewsPress • Friday, January 19, 2018
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Tobacco Rd.
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Airport Rd.
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Next Home Heartland Realty 11. 5810 Villas Ct. 1-3............................................... Ashley
las
Ute Av.
Cherokee Av.
Dr.
Richmond Rd.
ers
Rogers Dr.
Hartwood Av.
age
gate Dr .
Rog
Ranch Av.
Os
Lynn Ln.
North
Britton Ct. B Dr. ritton Greenbriar Cr. Dr. Au d Ma ene D rieD r. r. Greenvale Ct. Ct. side C rook
Golf Dr.
B
RE/MAX Signature 9. 806 Stoneybrook 2-4 .......................................... Rachel
Windsor Cr.
nd St. Husba
Stonecrest Ave.
Stillwater Municipal Airport
Park Pl. Tower Park Dr.
Richmond Hill Ct.
Husband Pl. Northgate Dr.
Falls Dr.
Fisher Provence 7. 5618 E. Hidden Springs Dr. 1-3 PERKINS Kearsten 8. 12622 S. Kelly Ln. 1-3 PERKINS.............................Kim
mil
Chateau Ct.
Amethyst Ave.
Richmond Rd.
One Broker Place 10. 1624 N. Hightower 2:30-4................................. Jason
Ct.
yon
Can
Chateau Dr.
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d Win
Topaz Ave.
Chateau Pl. Peaceable Acres Rd.
• All Open Houses are Sunday unless otherwise indicated.
Real Estate Professionals 1. 4410 Jenna Ln. 1-3 .....................................................Lori 2. 4509 Jenna Ln. 1-3 .....................................................Lori 3. 4316 Jenna Ln. 1-3 .....................................................Lori 4. 1610 Berkshire 1-3 .................................................... Ann 5. 10218 Brenna Dr. 1-3 PERKINS .......................Donna 6. 10312 Brenna Dr. 1-3 PERKINS .......................Donna
Burris Rd.
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Week of Sunday, January 21, 2018
• Open Houses may be cancelled in case of inclement weather. If you have questions, please call the hosting REALTOR®.
Jardot Rd.
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1-3