Rew 05 25 18 by Stillwater News Press

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REALESTATE W e e k ly

May 25, 2018

The percentage of 1950s generation who rated golf cart trails as their number one retirement amenity, down 6 percent

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Stillwater NewsPress • Friday, May 25, 2018

Most parents don’t have to worry about making down payment contributions to their kids Most mothers and fathers don’t have to fret about the tax consequences of helping a grown child with the purchase of a home, but there are some exceptions. DEAR MR. MYERS: My husband and I would like to contribute to the down payment on our son’s first home. We are vaguely familiar with the federal “gift tax” laws, but don’t know how they work. Can you please explain? ANSWER: Sure. The Internal Revenue Service allows an individual to give up to $15,000 a year to any number of children, grandchildren, stepchildren or someone else. That means that you can give as much as $15,000 to your son, and your husband can give him an additional $15,000. If your son is married and you’re flush with cash, you and your spouse could each give another $15,000 to his wife. Combined, that would equal a juicy and tax-free $60,000 to purchase their first home. You may be subject to the federal gift tax if your generosity exceeds those limits - but generally, only if the cash you give (or

owned by Henry So, the term “Skid Yesler, who soon Row” began to be became rich and the used for an entire city’s new mayor. neighborhood that Skid Road, since was filled primarily renamed Yesler with unfortunate Way, eventually souls who had “hit became a sort of de- the skids” of their marcation line that personal lives. separated Seattle’s *** more affluent resiDEAR MR. have given) away pay for women, dents and upscale MYERS: Our old pushes you above plus higher businesses, on one refrigerator is just the IRS-defined “life- monthly alimony side of the road, from too small for our time tax exemption,” and child-support the poorer folks and growing family. which currently payments that multitude of bawdy Are fridges usualstands at $5.6 milsome single moth- saloons, on the other. ly part of retailers’ lion. ers can claim as As the U.S. popuMemorial Day Obviously, few income when aplation soared and in- sales, or would people have to worry plying for a mort- ner-city areas across we save money about such tax pitgage. the nation swelled by waiting until falls. But since the *** with the poor - many Black Friday in gift that you and DEAR MR. of them suffering November? your husband want MYERS: How from alcohol or drug ANSWER: Novemto make likely will come all the poor- addiction, or having ber’s Black Friday involve thousands est places in a city criminal records sales events usually of dollars, it would are called “Skid - they began occuare the best time to be wise to consult Row”? pying several rows purchase refrigeraan accountant or ANSWER: Though of streets and roads tors and other large estate planner before opinions vary, the rather than just one. appliances, but the signing the check or term “Skid Row” wiring the money. likely developed -deAnd, as for your volved, really - from son: I hope he rea busy thoroughfare warded your pronamed Skid Road in posed generosity this downtown Seattle past Mother’s Day during the second with a bit more than half of the 19th cenan inexpensive card, tury, historians at wilting roses or a the U.S. National small box of chocoPark Service say. lates. Seattle’s Skid *** Road and its historREAL ESTATE ic Pioneer Square TRIVIA: About 17 quickly became the percent of homecenter of the small buyers today are but fast-growing Sandy Blankinship Mike Branson Beverly Carter single women, a Sandy Blankinship Mike Branson Beverly Carter town in the 1850s. 405.269.9523 405.612.5347 405.743.9618 405.269.9523 405.612.5347 405.743.9618 survey by the Na- Lumberjacks in the tional Association Evergreen State of Realtors stated, would move their compared with logs from the nearby just 7 percent sin- mountains by greasgle men. Some re- ing them and then searchers suggest “skidding” them that the uptick is Virginia Cussner Oscar Fortune down the dirt road to Diana Field Virginia Cussner Oscar Fortune Diana Field 405.747.7601 405.747.6042 405.747.4684 405.747.7601 405.747.6042 405.747.4684 the result of rising a waterfront sawmill

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DAVID MYERS

discounts offered during Memorial Day weekend often are a close second. Memorial Day arrives on Monday, May 28, but some big-box stores and other retailers already have announced plans to start their sales extravaganzas a week or more earlier. Experts at bargain-hunting website DealNews.com report that Home Depot and JCPenney are among the nationwide chains that are expected to offer discounts of up to 40 percent on fridges, washers and dryers. Many will offer free delivery, haul-away or installation - especially if the purchase price of the item tops

$300 or $500. Most retailers also will offer steep discounts on small kitchen items, from electric can openers and blenders to toaster ovens and microwaves. Vacuum cleaners will be near their lowest prices of the year, too. May also is a good time to buy a mattress. “If you’re flexible on the specific type of mattress you want to buy, don’t settle for anything less than 50 percent off,” said Donna Doyle, an editor at DealNews. com. “Also, look out for coupons to take an extra 10 percent to 15 percent off already discounted models.”

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

How to calculate your home’s loan-to-value ratio When applying for a mortgage, the loan-to-value (LTV), is an important factor lenders consider when reviewing and determining your mortgage loan type. It also plays a part in figuring your mortgage interest rate and if you will have to purchase mortgage insurance. You can calculate your LTV at home to get an idea. Your LTV ratio is the amount of money you are borrowing as a percentage of your home’s value. The math varies based on loan purpose. Generally, LTV is your loan balance divided by the value of the property. When purchasing a home, the value of the property is determined by the lesser of the appraised value or the purchase price. These prices can be the same, but often

have 50 percent LTV. For secondary mortgages — home equity loans and home equity lines of credit — it gets a little tricky, as the math varies by banks. Your loan balance is the balance is $100,000. combined balance Divide that by the of the primary and appraised price, secondary mortgag$200,000, and you es. Generally, the

Mortgage Matters KENNETH WOHL times they vary. For example, if the purchase price is $188,000 and the appraisal comes in at $200,000, to factor your LTV, you will use the purchase price. Say you plan to borrow $160,000. Your LTV is 85 percent. Loans with LTV’s above 80 percent require mortgage insurance. Note: Lenders charge mortgage insurance based on purchase price not the appraisal. In a refinance, LTV is typically calculated using the appraised value of the property. Sticking with the example above, say your current loan

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Donna Rhinehart GRI, CRS Realtor Associate 405-612-0509

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understand your options and may help you gain bargaining power when you are ready to make an offer on a house. I’m here to help, even if you’re not an RCB Bank customer. Feel free to call me, Kenneth Wohl, at 405-608-5291 or email kwohl@bankrcb.net.

www.stw-realestatepros.com 405-372-5151 Downtown Office - 723 S. Main Street

Bringing Buyers & Sellers Together .... Professionally. NEW LISTINGS 4904 W Reese Landing- new construction 4 bed 2 bath 1999 sq ft-$285,000-Ann 1400 N. Perkins Rd M-96- Town House 1260 sq ft 3 bed 2 bath-$55,000-Tiffany 3114 N Madison Ct- Across from Boomer Land 3 bed 2 bath 1505 sq ft-$205,000-Donna 3417 W 31st Ct- like New 4 bed 2 bath 2243 sq ft-$287,000-Donna 414 E Copper Canyon- Out Door Oasis 3 bed 2 bath$229,500 Ann 5205 W 68th- 70 acres with Beautiful Sun rises and Sun Sets-$399,000-Dolores 321 S. 6th, Medford-3 bed 2 bath MH with detached garage-$75,000-Melissa 4101 W 18th-CHECK OUT THE UPDATES 3 bed 2 bath 1548 sq ft-156,000-Kyle/Owner 19th & Jardot-On SE corner 158.49 acres of PRIME LAND-$1,540,000-Tiffany 1015 E 4th, Cushing-Nice updated home on Large Lot 3 bed 2 bath 1677 sq ft-$119,000-Kyle 712 S. Brushcreek-1999 Mobile home 3 bed 2 bath on ½ acre lot-$125,000-Melissa 2224 Tanglewood Cir.-Built for Entertaining-SW Area/ Over 3000 sq ft-$348,000-Tiffany 902 Rock Hollow Ct-3 bed 2 bath 2373 sq ft-$218,000-Tiffany 408 E. Kinder Ct., Perkins-New Construction You can still pick colors 3 bed 2 bath-$181,500-Kyle 9517 Coyle Rd-3 bed 2.5 bath 2000 sq ft with an Apartment-$250,000-Lori 15519 E Lone Chimney Rd., Glencoe-10 acres with 2 nice homes. One is rented-$149,000-Kyle 3001 W 27th-3 bed 2.5 bath 2 car garage 1901 sq ft-$192,000-Tiffany 7605 S. Union Rd-3 bed 2 bath MH on 10 acres Shop 30 x 40-$122,250-Ann 902 Shumard Dr-3 bed 2.5 bath 2 car garage 2245 sq ft-$253,000-Donna 3421 W La Pointe Ct-New Construction 4 bed 2 bath 2100 sq ft-284,900-Donna 8814 S Country Club Rd-5 acres 3 bed 2 bath MH carport storm shelter-$95,000-Lori 5202 E 122nd-5 acres Shoop 4 bed 2.5 bath home w/Pool-$399,900-Lori 14 Yellow Brick-3 bed 2.5 bath 3458 sq ft-$383,000-Tiffany 3708 & 3710 W 15th-2 bed 2 bath Duplex-$184,500-Dolores 3310 Charleston Ct-BERRY CREEK 4 bed 3 bath Bonus Room-$349,000-Donna 1002 Greyston-Well Constructed & Maintained 4 bed 2 bath 2380 sq ft-$220,000-Jack/Dolores 106 E Redbud-5 bed 4 bath home and Apartment GREAT LOCATION-$499,000-Dolores PRICE CHANGES 1002 Greystone-Ready to sell this NICE 2380 sq ft Home-$220,000-Jack/Dolores 106 E Redbud-5 bed 4 bath home and Apartment GREAT LOCATION-$499,000-Dolores 3705 S. Scissortail-4 bed 3.5 bath WOODLAND TRAILS Priced to sell-$469,900-Tiffany 1622 Fiddlers Hill-Motivated Seller Like New Home-$396,000-Tiffany

Tiffany Aranda GRI, CRS Realtor Associate 405-714-1214

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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These examples are general guides. There are some exceptions for calculating LTVs. I encourage you to talk to a lender before you begin home shopping so you know exactly what you can afford based on your personal situation. Getting pre-qualified will help you

Stillwater NewsPress • Friday, May 25, 2018

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Dolores Lemon CRS, CRB, GRI Broker/Owner 405-747-7822

total loan balance is then divided by the purchase price if financing within the first six months of ownership. After six months, the appraised value is used to calculate the combined loanto-value (CLTV), or total loan-to-value (TLTV) if there are more than two liens.

Stillwater NewsPress • Friday, May 25, 2018

Racial disparities significant in mortgage rejections WASHINGTON – For millions of Americans hoping to buy or refinance a home, it’s a crucial make-or-break question: Will the lender say yes to our mortgage application, turn it down or charge us a higher interest rate than we need? Surprisingly, large numbers of loan applications don’t make it. Roughly one of every nine loan applications (10.8 percent) to purchase a home – and more than one in four applications (26.4 percent) for a refinancing – were denied in 2017, according to a new analysis of lender data nationwide conducted by the federal Bureau of Consumer Financial Protection. But these numbers look dramatically different when you dig down and check out the race and ethnicity of borrowers: • Black applicants were rejected at more than double the rate of non-His-

The Nation’s Housing Column KENNETH R. HARNEY panic white applicants on all types of loans, including conventional mortgages originated for bank portfolios or for investors Fannie Mae and Freddie Mac, and government loans (FHA, VA and rural housing). The overall rate of denials of mortgage applications from blacks was 18.4 percent last year, with 13.5 percent for Hispanics and 10.6 percent for Asians. For non-Hispanic whites, it was 8.8 percent. • On conventional home-purchase loans, the turndown differentials were starker: Black applicants received denials 19.3 percent of the time, while the rate for non-Hispanic whites was 7.9 per-

birth

cent. The overall rate of rejections for all groups on conventional loans was 9.6 percent. In the FHA/VA market, the turndown disparity was narrower: Blacks’ applications were rejected at a 17.9 percent rate compared with whites’ rate of 10.6 percent. • Similar racial and ethnic differentials emerged in the refinancing market, but with far higher rejection rates. Blacks were rejected on 39 percent of their applications, Hispanic whites on 30.2 percent, Asians on 24.8 percent and non-Hispanic whites on 22.9 percent. • Black and Hispanic applicants not only were rejected at higher rates than others but were

data on loan transactions nationwide, lenders can voluntarily provide up to three reasons for their turndowns and pricing. Seventy-two percent of the reporting lenders provided at least one reason for their denials on home-purchase applications. • Blacks and Asians generally had the most frequent problems with debt-to-income ratios (DTIs). Denial factors for Asians were the highest among all groups on DTIs: 28.5 percent of applications had debt levels that lenders cited as reasons for rejections. Blacks had DTI issues in 25.1 percent of loan applications. Hispanic whites’ rate was 24.3 percent and non-Hispanic whites’ rate was 21.6 percent. Overall, DTI issues – where applicants’ existing debts plus projected monthly debt loads were deemed excessive – represented the most frequent

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charged higher interest rates more often. Nearly one in five home-purchase loans to blacks (17.9 percent) and Hispanics (19.3 percent) were “higher priced” as defined by the government, compared with 6.7 percent of loans to non-Hispanic whites and 4.2 percent to Asians. Higher priced means they carried annual percentage rates (APRs) that were at least 1.5 percentage points above the “average prime offer rate” for loans of a similar type. Dramatic as these differences appear, lenders insist they are not evidence of illegal discrimination but instead reflect long-term economic and wealth disparities among racial groups and differing rates of disqualifying issues in applications. Under the federal Home Mortgage Disclosure Act, which requires annual collection of vast amounts of

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reason for denials. • Credit issues were a close second. Problems with credit histories and scores were factors in 22.7 percent of turndowns for blacks, 14.9 percent for Hispanics, 16.8 percent for whites and 9.6 percent for Asians. Civil rights groups and other critics say the disparate rates of denials for blacks and Hispanics go beyond the “reasons” provided by lenders. Lisa Rice, president and CEO of the National Fair Housing Alliance, told me they more accurately reflect deeper, historical “behavioral” and “structural” problems that have created a “dual credit market” – one for whites and a second, less favorable one, for persons of color. She cited a

recent “matched pair” investigation her group conducted in the auto-finance field, where minority applicants with higher credit scores, lower DTIs and higher incomes generally were quoted worse financing terms than less-qualified whites. Mortgage lenders vehemently defend their decision-making. Michael Fratantoni, chief economist for the Mortgage Bankers Association, says “the vast majority of lenders are interested in making as many high-quality loans as they possibly can and work with any borrower who comes in the door,” irrespective of race or ethnicity. Ken Harney’s email address is Harneycolumn@ gmail.com.

623 W. 6th Ave., Stillwater, OK • 377-1213

809 E. Maple • $124,900

Well maintained 3 bedroom, 1.5 baths, single car garage, brick home is located in southeast Stillwater. Freshly painted interior and exterior, updated bathroom, lots of counter space in the kitchen. This home has beautiful hardwood floors in living room and two bedrooms. Close to campus, bus route, shopping, and entertainment. The backyard has a large patio under roof with a fire pit in yard and a big storage building.

Personalized Service CALL Professional Results! NOW! Larry Souders Realtor Associate 405-780-3265

Tommie Eberle Broker/Realtor®, GRI 405-714-2687

Payne County garden tour coming soon Home Grown KEITH REED President and First Lady, Burns and Ann Hargis at 1600 N. Washington. It’s no secret that the Oklahoma State University campus has never looked better thanks to the Horticultural staff and this will be a unique opportunity to see some of their finest work. If “urban farming” appeals to you, don’t miss the vegetable gardens of Baker and Nan Bokorney at 517 N. Donaldson in Stillwater. Come be inspired by the possibilities of what was once vacant lot! One of the challenges of landscape design in our area is finding colorful plants for shady

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areas. The gardens of Steve and Cathy Buzzard at 3323 N. Monroe in Stillwater offer a lovely example of the possible. The hotter it is on June 10th, the more you’ll enjoy this shady retreat. Also on the tour this year is the 2017 winner of Oklahoma Gardening’s Viewers Garden contest, the home of Peggy Wolfe at 2600 W. 92nd Street, Per-

1709 Hidden Oaks Dr - $320,000

Beautiful nearly new 4 bed / 3 bath home with upstairs bonus room and office. Kitchen has natural light streaming in. Plus a pantry, granite countertops and eating bar and it is open to the living and dining areas. Beautiful windows with country view behind the house, and a stacked stone gas log fireplace with built-ins on either side. Wood floors, ceramic tile and carpet in all the right places. Very large area for dining table buffet, etc. Master bath has separate tile shower and soaker tub, and spacious master closet. Back patio with large yard. Wonderful floor plan and upscale finishes.

33 Yellow Brick Dr - 4 bed/2.5 bath/ 3 car garage in the SW. Built by Ron Walker. House sits on just under 1 acre lot. Large open living room, dining room, family room. 2 gas fireplaces - family room and master bedroom. Spacious kitchen with storage, 5 burner stovetop, and sub-zero refrigerator. Large master with huge walk-in closet. Security system, sprinkler system and safe room ..................PRICE CHANGE $474,900 1901 N. Glenwood Dr - 3SOLD bed/2 bath/2 car garage ........$184,900

See more of this home at www.WeLoveSellingStillwater.com

IServing nsurance and real estate Stillwater Since 1950

Fisher Provence, REALTORS®

(405)377-1000 Page Provence, CRS Broker Associate (405) 612-0194

BARBARA HOUCK BROKER/OWNER

30+ years of experience

BARBARA HOUCK - REALTOR® - 747-8804 KENT HOUCK - REALTOR® - 372-7060 JOHN GAGE - REALTOR® - 612-6068

372-5343 x130

www.houckagency.com • 8 MAIN PLACE/Ste. 2 • DOWNTOWN STILLWATER

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kins. These four gardens are all inspiring in their own ways. Master Gardeners will be available at each of the tour stops to help answer questions you may have about the gardens, or plant related questions in general. 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.

white. with warm or cool Incorporate the colors, white helps color white into create the ideal color White walls? White accessories such as balance. furniture? White vases, florals and toss DON’T: rugs? Why not? pillows. Forget to extend There was a time in Mix white with the color white into home decor in which colors such as silver elements such as cabthe color white was gray and taupe to inetry, fixtures and an ideal color for a help create a soothing appliances. formal living room. A environment. Ignore the opporwhite living room was Use textured white tunity to reflect color typically a space that accessories such as through the use of was seldom used and area rugs and toss pil- mirrors and windows. handled with great lows to help to soften Be afraid to use the care. These days, color a space. color white in areas isn’t always king, esMix white with that may be used pecially as people look both warm and cool often such as bedto live in more minicolors. White can be rooms or dining areas. malist environments. warm, like in a shade Omit the use of White is a color that closer to taupe, or cool, negative space, such is often ignored, but such as a shade that as white trims, door used purposefully has gray undertones. headers and under and carefully can and Whether blending ceiling soffits. should be embraced. DO’S AND DON’TS FOR DECBuying or Selling ORATING WITH Contact Barbara WHITE DO: Today! Mix different tints, tones and shades of

By Cathy Hobbs

Stillwater NewsPress • Friday, May 25, 2018

The Payne County Extension office relies heavily on the Payne County Master Gardeners, a group of committed volunteers who work hard to provide a variety of horticultural related educational services to the citizens of Payne County. We are pleased to announce that their 3rd annual Garden Tour will be coming up on Sunday June 10th, from 12:304pm. Admission will be $5 in advance (available at the Payne County Extension Office) or $7 day of the event at any one of the homes. This is an informal event and you can simply come and go to any location on the day of the tour. Proceeds will be used to enhance the mission of the Botanic Garden at OSU. Speaking of OSU, one of the tour stops will be the home of OSU

How to decorate with white

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Stillwater NewsPress • Friday, May 25, 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.

For sale by owner: 4 bedroom 2 bathroom two-year-old house in Tradan Heights, 4508 W. Aggie. $199,999.00. Open house Sunday, June 3rd from 2 to 4 PM. Call 918-693-0754 for showing or more information

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415 S. Benjamin. 2 bedroom,CH/A, lots of storage, carpeted, large yard, mowing included. $625/month 405-377-2136 405-338-8816

1824 N GLENWOOD DR Single Family home 4 bed 2-1/2 bath 2480 sq ft. Large Living & Dining rooms, Den, eat in Kitchen. Huge 2-car Garage. For lease or sale. Call (405) 391-7414 For Sale Like new 3 bedroom one and half bath, utility room, central heat and air. 1 car garage. All brick home with large fenced back yard. Rowlan Reality Owner Agent 918-693-9633

First Month Free! Beautiful, huge 3 & 4 bedroom duplexes available 405-707-7277

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Homes ATTENTION! NOW LEASING For June 1, & August 1,2018 We Also Have Units Available 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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NOW LEASING! Studios, 1, 2 and 3 bedroom apartments, townhouses, duplexes and rent houses. Pre-leasing now for June, July and August as well as immediate availability. Don’t wait call today and schedule a viewing. Carleton Crossing Office 1001 North Perkins Rd. Stillwater, Ok 405-372-7395 Oak Park Village Office 2903 North Perkins Rd. Stillwater, Ok 405-743-4266

NOW LEASING! 1 AND 2 BR Apts with FREE Amenities AND Golf Privileges!!

405.707.7400

Apartments

Highpoint Apartments walking distance to Boomer Lake. 2 bedroom.1 bath. Open Spacious lay out! Great bedrooms and big closets! Ample parking. $510.00 per month. $300.00 deposit. Call today. Henneberry Properties 405-743-4266

LindseyManagement.com Professionally Managed by Lindsey Management Co., Inc.

Manufactured Homes For Rent 3 bedroom 2 bath with CH/A on one acre, very clean and quiet. Located north of Stillwater. Water paid. $800.00 per month $500.00 deposit 918-260-3037 Lot for Rent! Valley Acres Mobile Home Park 2800 West Lakeview $275/month. 2007 or newer and in good condition 405-372-5532

at Stillwater

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Oak Park Village 2903 N. Perkins Rd. 2 bedroom 1 bath apartments only $540.00 per month, $300.00 deposit. Swimming Pool and Laundry on site. Call Henneberry Properties 405-743-4266

Duplexes

University Estates 1903 State Lane 2BD/1.5BA 2CG. Fenced, ref. required. $750MO. 405-372-8051.

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Firecrackers explode the Kitchen and bath colors that stay in style drought-tolerant garden A: In my experience with changing out-of-date fixtures, Q: Dear Ed: I’ve noticed very We’re building a dark and vibrant new small home fixture colors seem and it will be our to come in and last house. The out of style more kitchen is right than the lighter next to our down- mainstream fixture stairs bathroom colors. and I would like In all fairness, the plumbing many trendy fixture colors in kitchens go with the bathroom to these impact colors match the kitchknowing that down en sink. We have the road updates no plans to rewill be done when model this home needed. But, from while we live what I’ve seen, if there. What are you’re looking for some safe plumb- colors that stay in ing fixture color style for a very long choices that can time, white or offkeep in style for a white fixture colors long time? – Bee, can be safe choices Ohio and easy to match. By Ed Del Grande

Tribune News Service

care for it. A sparse wispy look is more transparent, which occurs with infrequent watering and minimal feeding. For really lush specimens, maintain moderate fertility with regular feedings to stimulate more stem growth that results in a larger plant. Frost is the Achilles heel of where firecrackers grow over time. They are supposedly hardy to 24 degrees Fahrenheit, but that likely kills back much of the tender growth. Growing in pots allows you to move them to shelter or indoors for winter. Firecrackers should be our plant of the year during ongoing drought. They are chameleons that raise succulent gardens to a whole new level. They are essentials of Spanish style architecture, modernists love their pop and textures, and they fit in with tropical landscaping suffering for moisture. Why not take a chance on some fireworks this summer to transform dry garden doldrums with red hot color, hummingbird parties and an entirely new fine-textured plant to play with?

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NEW LISTING CONGRATULATIONS TO

DANIELLE DILBECK

ON RECEIVING HER REGISTERED DENTAL HYGIENIST CERTIFICATE!

5221 E. SPIVA LANE - PERKINS 4 BEDROOMS, 3 BATHROOMS DETACHED 2 CAR GARAGE, 5 ACRES $220,000

104 NE 5th, Perkins 4314 Braxton Lane 505 E. Chantry, Perkins 1020 S Rose Rd (reduced) 1803 E 143rd 1003 E 80th (10 acres) 5704 S Perkins Rd

$175,500 $160,000 $95,000 $125,000 $95,000 $100,000 $499,900

5221 E. Spiva Lane, Perkins $220,000

Freeman Dilbeck BROKER/Owner 405-612-4429

SOLD SOLD SOLD SOLD FOR SALE FOR SALE BACK ON THE MARKET FOR SALE

Trent Hawkins Sales Associate 405-332-6911

Linda Trent Freeman/Linda Linda Trent Freeman Freeman Linda

Linda Klinger, GRI Sales Associate 405-612-0454

THE DILBECK AGENCY 104 E McELROY 405-372-2792 DilbeckAgency.com

regions. Now you can buy them in one gallon to very large pot sizes through most garden centers. For quick results in the coming months, match a 5-gallon nursery firecracker with the perfect pot. It should be tall enough to allow dangling without floor sweeping, or add a pedestal for more height. The pot opening should be large enough to drop a 5-gallon nursery pot inside with room to spare. This makes a fine freestanding composition to set your firecracker at the perfect height for an exceptional patio accent until frost. Coral fountain is another name that describes its very unique and graceful habit. Young plants are spindly like Sprenger asparagus house plants. Early on, thin dark stems rise from the center upward to arch only after enough foliage or a good crop of flowers weighs it down. What we do know about the plant is it prefers more ordinary well-drained potting soil. It’s a very drought-resistant species that looks differently depending on where it is and how you

Recently, a newer color has joined the ranks of these long-lasting hues, and that’s light gray, sometimes called “ice gray.” Bottom line: If you’re trying to keep your plumbing fixtures in style longer, go with basic white or go very light!

Stillwater NewsPress • Friday, May 25, 2018

it’s so heat- and drought-resistant. Firecracker is quite When water is capable of growing precious and it’s in the garden too, hot as hell, you but note the casneed firecrackers to cading form often brighten the patio. makes a thick skirt With blossoms as of flowers that bevivid as old fashcomes impenetraioned coral bells ble. That results in and the dangling a wholly different habit of a fuchsia, form than in pots. it’s hard to believe However, when the curious species planted with boulthrives in the low ders and on slopes, desert heat. That the natural charmeans no matter acter spills color as where you live, it it fills in the open won’t be too hot or spaces. dry to make fireLong ago the crackers explode plant took center from pots on the stage in the warmpatio or to flesh out er lowlands of the hell zones on the Maya. Such culwest side. tures recognize the What’s importtransient nature ant to you is the of the flowers and growth habit, blood as symbolic which cascades in of life and death. a most graceful Naturally the way. Its name, sanguine-colored Russelia equisetiblooms would be formis, reminds us grown around temit bears long thin ples and pyramids. stems reminiscent Today there is of horse hair. That ambiguous nativgives it an overall ity within Mexico fine texture that because amazingly makes a striking beautiful plants contrast against came into widecertain backspread cultivation grounds. At the tips in pre-Columbian of the long stems times. This would dangle vivid coral confound modern red tubular flowers botanists as to adapted to native the exact origin of hummingbirds. In many. taller pots, the casThis flower of cades create a truly Mexico does not striking effect. come up often in The thin folibooks, but growage is a powerers are busy as ful mechanism demand is high in against moisture drought-stricken loss, which is why By Maureen Gilmer

Tribune News Service

Yost Rd.

To Cimarron Turnpike

OPEN HOUSEMap

McMurtry Rd.

Quartz Dr. Duncan

Nancy Lee Dr.

Hartford

Evergreen

Dr.

rie

mC t.

Perkins Rd.

Knoblock St.

Jardot Rd. Marine Rd. Burdick St. Manning St. Briarwood St.

22nd Av.

t. is S Lew

Payne St.

16th Av.

Lowry St.

Lowry St. 37th Av.

35th Av. 36th Av.

37th Av.

Vista Ln.

44th Av.

Hunters Cr.

Dr. Deerfield

Wild Turkey Pas

Vista Ct.

Red Rose Dr.

Cottontail Ln.

Jardot Rd.

Perkins Rd.

Husband St.

Washington St.

Western Rd.

Sangre Rd.

Timberline Dr.

177

Katy

Hightower St.

S. Westchester St.

Henderson St.

Mockingbird Ln. Collins Ct. Colby Lance

Villa Dr.

Drury Ln.

4th Av.

Eastgate St.

Crestwood Cr.

Raintree Av.

3rd Av. 4th Av.

Peach Tree Av. Stonegate Av.

19th Av.

32nd Av.

44th Av.

Av.

Lydia Ln.

Fountain View Ct.

Forest Trail Ct.

3rd Av.

5th Av.

17th Av.

34th Av.

Fern St.

Main St.

35th Av.

2nd Av. 4th Av.

Jardot Rd.

Ransom Dr.

Dr.

Main St.

Husband St.

Knoblock St.

Cambridge Dr.

West St.

33rd Av.

Young St.

Pinewood Cr.

29th Av.

32nd Av.

Dr.

Oakwood Dr.

9th Av.

26th Av.

31st Av.

Denver St. St.

Jardot Rd.

Payne St. Payne St.

7th Av.

177

30th Av.

Pos

Blair St. Payne St.

Blair St.

4th Av.

24th Av.

Mar Vista St. 28th Av.

Timbercrest Dr. Timbercrest Cr.

4th Av.

25th Av.

26th Av.

Denver Ct. Denver St.

Jardot Rd.

Wedgewood Ct. Wedgewood Dr.

Skyline Ln.

Grandview St.

Stallard St.

Hall St.

Leigh St.

Burdick St.

James Ct.

ott

Aetna St.

Springfield St.

Alc

Pennsylvania St.

Hartford St.

Eastern Av.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

19th Av.

22nd Av.

Cedar Ct.

Matthews Av. Virginia Av.

3rd Av.

Hartford St.

Lowry St.

Chester St.

Fern St.

Lowry St.

Chester St. Fern St.

17th Av. 18th Av.

Birchwood Ct.

Connell Ct. Connell Av.

Ct. Wedgewood

Wedgewood Dr.

Stallard St.

Manning St.

Donaldson St.

Hartford St. Dryden St. Benjamin St. Burdick St. Burdick St. Berry St. Arrington St. Marshall St. Doty St. Blair St. Grandview St.

Lowry St.

Lewis St. Lewis St.

Husband St.

Main St.

Husband Pl.

15th Av.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

Briarwood Dr.

ro yb

nn Su

nn y Ct bro . ok

Dryden St.

Benjamin St.

Burdick St.

Perkins Rd.

Grandview Ct. Grandview St.

Manning St.

Dr .

Manning St.

Berry Ct. Arrington Ct. Arrington Dr.

Hartford St. Dryden St. Redbud Ct.

Star St.

Lewis St.

Hoke St. Husband St.

Masin St.

Duncan St. Duncan St.

West Bl.

Duck St.

West St.

son

Karr Ct.

12th Av.

13th Av. 13th Pl. 14th Av. 16th Av.

Payne St.

Dryden St.

Hartford St.

Crescent Dr. Glenwo od Dr.

Husband St.

Main St.

Duncan St.

West St. Duck St. West St. Duck St.

West St.

Knoblock St. Knoblock St.

Hester St.

Washington St.

Ramsey St.

Benjamin St.

Park Dr.

Pa rk Sta Dr. rD r.

sb Hu

Ramsey St.

Hester St. Knoblock St. Knoblock St.

Washington St. Bellis St.

Hester St.

Ramsey St.

Monroe St. Jefferson St.

Adams St.

Blakely St. Stanley St.

Pine St.

Han

Ct.

Whitney Ct. McElroy Rd.

er ightow

Park Dr.

Star Dr. Dr. Park Cr.

Keller Dr.

Husband St.

Crescent Dr.

r. dD an

Park

Ramsey St. Ramsey St.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

Monroe St.

Wil lia

Pa rk Gr vie ee w C nv r. ale Cr Da . vis Ct. Ma

Washington St. Garfield St. Clevelan

Walnut St. Melrose Dr. Pine St. Redwood St. Gray St. Cleveland St. Stanley St. Garfield St. Gray St.

Orchard St.

Walnut St.

McDonald St. Teal St.

Bluestone St.

Willis St.

Silverdale

12th Av.

Pl.

8th Av.

11th Av.

Redbud Dr.

7th

7th Av.

9th Av. 10th Av.

Walnut St.

t Dr.

Cedar Ct.

4th Av. 5th Av.

5th Av.

Sunrise Av.

21st Av.

Pioneer St.

Murray Ct.

4th Av.

. Rd

Black Oak Dr.

3rd Av.

8th Av.

Western Rd.

Ln.

Celia

Augus

Summ erlin Ct. Bridlew ood

24th Av.

Dr. dar

Maple Av.

21st Av. 23rd Av.

mit

Maple Av.

19th Av.

22nd Av. 23rd Av.

Sum

Elm Av.

Elmwood Cr.

Elm Av.

Brooke Av.

McElroy Pl.

Arrington Dr.

Virginia Av.

Krayler Ave.

Will Rogers Dr. Cimarron Pl. Cimarron Dr. Leland Frontier Dr. Linda Av. Willham Dr. Ct. Boyles Ct. Willham Dr. Manning Ct.

Connell Av.

Hanson

7th Av.

12th Av.

11th Pl.

Arbor Cr.

24th Av. August Dr. Cambridge Ct.

Oxford Dr.

Legendary Ln.

Pioneer St. Quail Ridge Dr. 28th C t.

Kerr St.

d St.

McFarland St. . Kings St

Kings St. Orchard St.

Willis St. Willis St. Willis St.

Dr. Ridge Dr.

Ridge Dr. Rid ge

McFarland St. Kings St.

Western Rd.

Dr.

Wicklow St.

Devon St.

Devon St. Wicklow St.

7th Av.

Will Rogers Dr.

Dryden Cr.

Camden

Sawgrass St.

Miller Av.

Lakeview Rd.

Eagle Summit

August Dr.

Surrey Dr.

Dr . in Elv

Black Oak Dr.

r. dge D Fox Le

5th Av.

Krayler Ave. Ridgecrest Av. Brooke Av. Moore Av. Franklin Ln. Knapp St.

Hall of Fame Av. Mathews Av.

Emma Swim Ave.

Doral Ln.

Scott Av.

University Av.

k Ln.

Fountain View Dr.

18th Ct.

e Roc

Country Club Rd.

Quail 25th Av. Ridge Ct.

44th Av.

Turtle Pond Ct.

22nd Av.

Cantwell Av.

Connell Av.

Morrill Av.

Saddl

Isabell Pointe Dr.

erd aV

Lom

Ct. . nery ock Ln R dle Sad

one D

st Wood

n St.

Helena Hts.

18th Av.

20th Av. 21st Ct.

n. eL

Wentz Ln. University Cr.

31st Av.

Woodland Trails Dr.

Pheasant Eagle Creek Ave. Ridge Ave.

17th Av.

Franklin Ln.

Cantwell Av.

13th Av. 14th Av.

15th Av.

29th Ct. 30th Av.

Inverness Ln. Deer Crossing Dr.

Black Oak Dr. Countryside Dr.

St.

Ln.

Fox Ledge Ln.

32nd Av.

Culpepper

Savannah

Davinbrook Ln. Fiddlers Hill St. Berkshire Dr. Dublin Dr.

Fairfield Dr.

Hillside St.

Westridge St. Hillside Ct.

Fairfield Dr. Mansfield St. r Ridge Ct.

Tanglewood Cr.

k Dr.

Fox Ledge Dr.

Aloysius Cr.

Ridge

Pioneer St.

Sangre Rd. Murphy St.

Shumard Ct. Oak St. W. Shumard Dr.

Williamsfield

Rid lue Sprin B gdal Wo e Dr. odc res t Dr. 11th Ct. Edgemoor Dr.

Iba Dr.

Oak Trail Dr.

Ceda

Charles Dr.

Squires St.

Willow Park Cr.

Fox Ledge Ct.

Briarcreek Dr.

Monroe St.

Airport Ln. Lincoln St.

Lincoln St. Lincoln Brooke Lincoln St. St. Hollow Ct. Monroe St. Monroe Monroe St. St. Jefferson St.

Liberty Ct.

Ivy Ct.

Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Country Club Rd. Windsor Dr. 2nd Ct. Kea ts D r.

Abbey Ln. Windsor Dr.

Oak Ridge Dr. Basin Ridge Dr. r. ge D

Greystone St.

Westwood Ln.Westwood Dr.

Stoneridge Dr.

Rd . Walking Trail Dr .

eld

Bristol Rd. Av. 24th Av.

ark

Chapel Hill

Richmond Hill Rd.

Washington St. Garfield St.

Hunters Ridge Land Run Dr.

Dr . W rig ht

d. sR ces l Ac tria dus rt In

Preston Liberty Cr. Cr.

Airp o

Valley Dr.

Mark Circle

Charolais Dr.

Warren Drive

Valley View Sangre Rd.

Keely Ct.

Range Rd. Crosswinds

Stoneyb rook St.

reek

er C

ld Bou

Vil la

drid ge W oo

erfi

Shin

Lyndsey Ct.

Range Rd.

Austin Ct.

P low

Scissortail Dr.

Stillwater NewsPress • Friday, May 25, 2018

Shadow Creek Ln.

Wehr Ln..

Knotts Av.

177

yP urre

19th Av.

18th Av.

Persimmo

18th Ct.

4th Av. 5th Av. 5th Av.

Scott Av.

Lauren Lane

Keller Dr. Lakeview Ct.

Dells Av.

Wiley St.

Shiloh Creek

r. k D r. r. 15th Av. Old Forest D D roo stb hire ar Charleston Cypress Mill We orks alam Y Sh

wbric

Woodlake Dr. Deer Creek Ct.

St.

Mercury Av.

Liberty Dr.

d Dr.

Yello

try oven

Gle

Osage

le r. G

D od

woo

18th Av.

Wil

liff

kor

Lou Ct

Loper Billin gslea Ln. Ct.

Summer Hill Ct. Germaine Ct.

10th Av.

3rd Av.

eS nic

Charring Cross

land Ct . Ja Lind a

Hic

Westbrook Ct. 15th Av.

Canterbury

Bria

Crestview Ct. Cowboy Ct. High

lo Wil

Ct.

Murphy Dr.

Sunset Av. University Av.

7th Av. 8th Av. 9th Av.

Country Club Dr.

Dr.

Ashbury

Richfield Ct.

d woo

Kenslow Dr.

shir evon

Crestview Av.

rfie

St. Tyler Av.

Farm Av. Olive Ln. Drummond Av. Athletic Av. Monticello Dr.

Arrowhead Pl.

Arrowhead Av.

5th Av.

Aggie Dr.

gle Tan

Durham Ct. Ashford Ct.

la od

Admiral Av. Sherwood Av.

4th Av.

Prescot Dr.

Ashton Ave.

VillasCt.

11th Av.

8th Av.

. Club Dr . Country Club Ct Country 14th Av. Woodland Ct. Oakfield Ct. 16th Av. Dr.

Fairway Dr.

ointe en P Gard ill ng H Spri Deer Run Ct.

Frontage Road 7th Av.

e Dr.

den

Hid

Cr.

Ridg

5th Av.

Oak

Pecan Lake Av. Trenton Ct. Pecan Trail Ct.

5th Pl.

10th Av.

rst D

ehu

Wild

Pecan Hill St.

Oakdale

9th Av.

Rd.

Miller Av.

Virgina Av. 2nd Av.

8th Av.

mer

Scott Av.

Hall of Fame Av.

1st Av.

7th Av. 8th Av.

coln

Lin

Thomas Av.

Ct. Av. uita rgia Chiq d Ct. Geo woo Wild Brentwood Dr. n Dr. Peca Redbud Dr. Redbud Dr. Randolph Ct. Eskridge Av. Windrock Hartman Av. Cr. Tyler Av. Tyler Av. Highview Av.

Dr. nett Graham Av. Ben Will Rogers Dr. Eskridge Av. Eskridge Av.

Eskridge Pl.

lha

Wil

Harned Av.

Mohawk Av.

Lak

Boo

Tyler Av.

Eastland Dr. Marcus Dr.

Swim Av.

oke r. Brollow D Ho

McElroy Rd.

Walnut St.

Tyler Av.

Farm Av.

8th Ct. 9th Ct. Trenton Av.

Boomer Lake

Osage Dr.

Knapp

Reese Landing

4th Av.

Parkway Dr.

Brooke Brooke Jefferson St. Moore Franklin

Oak Crest Rd.

Benjamin

te S

Hereford Dobi Ln.

Eskridge Av.

3rd Pl.

. Dr

Sta Lakeview Rd.

Airport Rd.

Newman Av.

Hillcrest Av.

Liberty Rd. Preston Av.

Vena Ln.

3rd Av.

Dr.

Lakeridge Av.

Windmill Ln.

Windsor Cr.

ore

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Memory Ln. Country Ln.

177

Tobacco Rd.

Preston Ln.

Airport Rd.

w illo

Harned Av.

State Ln.

Cheyenne Av.

Newman Av. Hillcrest Av. Brown Av.

Av.

Arapaho Av.

Lake Sh

Liberty

las

Ute Av.

Cherokee Av.

Dr.

Richmond Rd.

ers

Rogers Dr.

Hartwood Av.

age

gate Dr .

Rog

Ranch Av.

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.

mil

nd St. Husba

Stonecrest Ave.

Stillwater Municipal Airport

Park Pl. Tower Park Dr.

Richmond Hill Ct.

Husband Pl. Northgate Dr.

Falls Dr.

Lisa Ct. Lori Ct.

d Win

Chateau Ct.

Amethyst Ave.

Richmond Rd.

to all those who have and continue to serve! Have a safe and happy Memorial Day!

Ct.

yon

Can

Chateau Dr.

Stonecrest Ct.

Lakeview Rd.

Topaz Ave.

Chateau Pl. Peaceable Acres Rd.

• All Open Houses are Sunday unless otherwise indicated.

THANK YOU

Burris Rd.

Burris Rd. 177

Week of Sunday, May 27, 2018

• Open Houses may be cancelled in case of inclement weather. If you have questions, please call the hosting REALTOR®.

Jardot Rd.

Perkins Rd.

Yost Rd.