October 21 Real Estate Weekly by Stillwater News Press

News Press

October 21, 2021

Stillwater

REALESTATE

30% Property values can decrease by up to 30% due to poor landscaping, according to a new study.

W E E K LY Your best source for weekly real estate news and listings for Stillwater and surrounding communities

!!!

ES ACR

$325,000

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131 N. Main, Stillwater 405-624-2626 www.c21global.com

52495 S. 34500 Rd, Glencoe Judy Kasso - 801.824.8166

34.

E ACR

$395,000

$299,000 15505 E. Noble Rd, Glencoe Judy Kasso - 801.824.8166

Weekly Features: • About Real Estate • Open House Map

$289,000 1116 E. Hanson St Linda Schmidt - 405.880.3048

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.

3217 S Saddle Rock Rd Rosetta Heppel - 405.880.0869 Tana Rutan - 405.612.1496

Six reasons you should never buy or sell a home without an agent

Stillwater NewsPress • Thursday, October 21, 2021

Realtor.com

Plus, buying or selling a home usuIt’s a slow Sunday ally requires dozens of forms, reports, morning. You’ve disclosures, and just brewed your other technical docNespresso and uments. Realtors popped open your have the expertise laptop to check out the latest home to help you prepare a killer deal listings before you – while avoiding hit the road for a day of open houses. delays or costly mistakes that can You’re DIYing seriously mess you this real estate up. thing, and you think you’re doing 2. They pretty well – after have turboall, any info you charged searchmight need is at ing power your fingertips The Internet online, right? That is awesome. You and your own stercan find almost ling judgment. anything – anyOh, dear home thing! And with buyer (or seller!) – we know you can do online real estate it on your own. But listing sites such as REALTOR.com, you really, really you can find up-toshouldn’t. This is date home listings likely the biggest on your own, any financial decision time you want. But of your entire life, and you need a Re- guess what? Realtors have access altor® if you want to do it right. Here’s to even more listings. Sometimes why. properties are available but not 1. They have loads of expertise actively advertised. A Realtor can help Want to you find those hidcheck the MLS for den gems. a 4B/2B with Plus, a good local an EIK and Realtor is going to a W/D? Real esknow the search tate has its own area way better language, full of than you ever acronyms and semi-arcane jargon, could. Have your eye on a particular and your Realtor neighborhood, but is trained to speak it’s just out of your that language fluprice range? Your ently.

Realtor is equipped to know the ins and outs of every neighborhood, so she can direct you toward a home in your price range that you may have overlooked. 3. They have bullish negotiating chops Any time you buy or sell a home, you’re going to encounter negotiations – and as today’s housing market heats up, those negotiations are more likely than ever to get a little heated. You can expect lots of competition, cutthroat tactics, all-cash offers,

and bidding wars. Don’t you want a savvy and professional negotiator on your side to seal the best deal for you? And it’s not just about how much money you end up spending or netting. A Realtor will help draw up a purchase agreement that allows enough time for inspections, contingencies, and anything else that’s crucial to your particular needs. 4. They’re connected to everyone Realtors might not know everything, but they make it their mis-

sion to know just about everyone who can possibly help in the process of buying or selling a home. Mortgage brokers, real estate attorneys, home inspectors, home stagers, interior designers – the list goes on – and they’re all in your Realtor’s network. Use them. 5. They adhere to a strict code of ethics Not every real estate agent is a Realtor, who is a licensed real estate salesperson who belongs to the National Association of Realtors®, the largest trade group

in the country. What difference does it make? Realtors are held to a higher ethical standard than licensed agents and must adhere to a Code of Ethics. 6. They’re your sage parent/data analyst/therapist – all rolled into one The thing about Realtors: They wear a lot of different hats. Sure, they’re salespeople, but they actually do a whole heck of a lot to earn their commission. They’re constantly driving around, checking out listings for you.

They spend their own money on marketing your home (if you’re selling). They’re researching comps to make sure you’re getting the best deal. And, of course, they’re working for you at nearly all hours of the day and night – whether you need more info on a home or just someone to talk to in order to feel at ease with the offer you just put in. This is the biggest financial (and possibly emotional) decision of your life, and guiding you through it isn’t a responsibility Realtors take lightly.

Your House Could Be FEATURED HERE! Call Barbara Today!

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1916 W 9th - 2 BD/1 BA/1 car garage. Very neat one-owner home close to park .................................................$145,000 5120 W. 5th - 3 BD / 2 BA / 2 car garage in SW area. Lots of storage and spacious backyard.............................. $228,500 FOR RENT - 615 S. McFarland - 3 BD/1 1/2 BA

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INSURANCE AND REAL ESTATE Serving Stillwater Since 1950

BARBARA HOUCK

BROKER/OWNER, GRI

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Beautiful deck overlooking pond in a country setting on the west side of Stillwater, just outside the city limits. Vaulted ceiling, rock fireplace, wood-look plank flooring, updated bathrooms and kitchen. 3 BR, 2 BA, 2 car garage. Approx. 1440 s.f. Immediately available.

Protect young trees from deer damage on race, religion, sex, it is still well away Keith Reed, the Hor- University, as an equal opportunity color, national origin, from the trunk. Note: ticulture Educator marital status, sexual people are often surin the Payne County employer, complies with all applicable orientation, gender prised by how quickly Extension office. the diameter of a new Keith can be reached federal and state laws identity/expression, regarding non-disdisability, or veteran tree increases. via email at keith. crimination and status with regard Easier to install are reed@okstate.edu, affirmative action.  to employment, edthe plastic spiral tree phone at 405-747wraps you commonly 8320, or in person at Oklahoma State Uni- ucational programs versity is committed and activities, and/ see on trees available the Payne County KEITH REED to a policy of equal op- or admissions.  For for sale at nurseries. Extension office, loportunity for all indi- more information, While not strong cated at 315 W. 6th For more informa- other horticultural viduals and does not visit http://eeo.okenough to physically in Stillwater. topic, you can contact tion on this or any discriminate based state.edu. prevent the damOklahoma State age, the deer seem to be put off by the plastic. This product should absolutely be removed during the growing season and replaced each fall as it can easily limit growth and harbor insects. Another option is to purchase ABS corrugated drain pipe and cut it open and place 502Dr. N.9366 Burdick - 3COMMUNITY, 2 1623 ft Close to Sho in 5/4.5, & Schools - sq. 225 - Donna - Dolores/Tiffany NE HWY 33 - 3s bed, 3 bath on .75-acre m/l5823 - $275,000 -$1,700,000 Ann 5504 W Creekside - GATED Radiant Luxury, ft. -000 it around the tree. 2023 E.Crest Linda Ave corner lot with outbuilding. sq ft $248,000 – Tiffany - Tiffany 9001 Cedar Trail - -4Large bdrm./3 bath/5-acres/Pool/Summer more!! C11 - $1,100,000 5020 W 10th - 4 bdrm., Stillwater Country 3BR/2.5BA Club, Kitchen largeOver lot plus - 1900 $360,000 - Tiffany 18575 -- 3/2/2 on3.5 2.5-acres, 1917 sq. -access $273,000 - Kyle– Tiffany 814 S. Rock Hollow Ct.Pointe - SWDr. area over 1990 sq ft/SCC Golf Cart $274,000 10217 SDeer Brenna 4 /Bed, Bath, 2,891 sq. ft.ft.- $490,000 - Ann This is a bit more du7917 Pickles Gap 1.19-acre m/l,on Ready youCampus! torestrictions build! -- $343,000 $22,500 - -Lori K K- PENDING 9715 E. Horizon Dr.bdrm./3 - 50 x- 60 livestocklotbarn 5 acres with no $100,000 – Lori 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of for OSU Tiffany any rable than the spiral S. Duck - Ave. Beautiful Building in the heart of Stillwater - –$900,000 K. 0 W.St. 19th Ave -#43 7.48Office inside Stillwater city limits $350,000 Lori K - Lori 6000301 N Pennsylvania - acres 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany 120 W Tyler CALLING ALL INVESTORS, 2 Units, 12 Apts., 2 bed, 1 bath $950,000 Dolores/Tiffany wraps, but they only 801 S. Burdick - 3BR/1.5BA, 1.5 1253 story on sq ft a$89,000 Lori C PENDING! 1408 N. M5215 Spring Creek Cir. E - 2/1 sq.large ft. onlot 3 1371 Lots with Barn -–$299,900 - Lori K.00 – Lori 4517 3337 W Charleston Ct.S.-Richfield New Construction in Berry Creek, 4 bed, 2.5 bath - $397,900 - Donna Broker Associate 1115 Ct. - -3BD/2BA 1775 ft $305,000 – Tiffany work on trees with 4713 W Country Club for sq sale - $25,000 Donna 20 onna J St. Lori - Lori C. Lori 5919 W 10 44th - UPDATED, 6-acres, 4NICE bed, Lot 4 bath, w/Shop, 3596 -sq. ft. - $840,000 405-612-6724 2923 N. Monroe - 3BD/2BA 2321 sq ft $208,000 – Tiffany Shumard Oaks -St. 5 Nice Lots for you build new home -PENDING! $27,000 - Donna no side branching in 2109 N Briarwood - UPDATED, 4/2, to 1555 sq.your ft. Great Location - $225,900 -nDonna 7917 Pickles Gap Nice large lot in Perkins School District $22,500 – Lori Scotthaven Addition - Nice in Perkins School at -- $289,900 $45,500 - -Donna 5215 Spring Creek Cr E - 2Large bed, lots 1 bath, 1253 sq. ft. on District/starting 3 lots with a barn Lori K. the protection area. 6021 Hallies Meadow NEW CONSTRUCTION 4BD/2BA 2347 sq ft $379,900 – Lori 5607 S Mehan Rd.miles - 52.5-acres for18 Sale, Ripley Schools - $349,000 - Tiffany 000 E 760 Rd. - 2.5 W of Hwy. & EWill 760Divide, Rd., 19-acres PRIME Land - $75,000 - Montie y5,900 1408 N. Mai – Lori PEND iffany As with the spiral 5005 N Perkins Rd 4000 sq ft warehouse Oh the possibilities $399,900 – Donna 00 E 810 Tryon - 53.34-acres. possibilities are endless - $224,028 Kyle 2707Rd., W 44th - 10.86 am/l, WillHunting/Building/The consider splitting, Just West of Western - $250,000 - Lori -K. 5706 W. Garden Pointe - Gated 3BD/3BA, 2754 sq ft $550,000 – -Ann Roka Hidden - 14 Dr. Beautiful onHigh the North Side - $52,500-$79,000 Lori K. 1218 W 12th - 4 Lake Commercial Lots in Lots aCommunity very Traffic area/starting at $255,000 - Ann wraps, it is essential 608 177, Carney 3/2/2 9.41 am/l - $325,000 - Lori 3618 W. Fountain ViewHWY. Ct. --5BD/2.5BA, in-ground pool - Woodland Trails -addn $362,900 – Tiffany 3000 S. Range Rd. 4 bed, 4.5 bath, on on 3.2-acres - $845,000 Tiffany/Dolores $820,000 that they be removed 2113 N.Boomer Crescent Dr.- -Nice 4/2.5/2, 2439 sq.Building ft.toGREAT -$205,000 $350,000 - Ann a 208 N. Donaldson - 4BR/2BA 1851 sq ft - close shopping & schools – Donna 3215 S. Rd. Commercial forLOCATION sale - $2,245,000 - Tiffany 719 Kar 0 - Tiffany 9366 - 3farmhouse bed, Building, 3 bath, onGREAT .75-acre m/l - $275,000 - Ann Tiffany during the growing 910Main Kansas St. /NE Pawnee -33 1936 / 1 acre lot with outbuildings $129,999– 211 E. St., Coyle -HWY. 64 Unit Storage INVESTMENT - $165,000 - Donna 5020 W 10th 4 bdrm., Stillwater Country Club, large lot $360,000 Tiffany PENDING ri- Lori K. 415 W. 80th - 52.65 OK, acresCute ruralhome property, no restrictions $300,000 – Lori riffan season. 505 S. 11 Morton Ave. - Ripley, across from the School - $75,000 1919617 Brooke Hollow Ct. - 4 bdrm./3 Lot/North of OSU Campus! - $343,000 S. Main - Downtown Stillwaterbath/Large commercial unit plus apartment unit $395,000 – Tiffany- Tiffany 2923 N. Monroe - 3 bdrm./2 bath/Study/Game Room. One block to Boomer Lake - $219,000 - Tiffany 296000 Tiffany The spiral wrap N Pennsylvania Ave. #43 - 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany 830456 S. 3354 Rd / Carney -3BR/2BA 1468 sq ft out building $199,900 – Lori Ct. W - 9Country lots platted for -duplexes to Boomer Lake - $420,000 - Tiffany 719 Karen000 N Glenwood4713 , 0 - Tiffany Club NICE Lotclose for sale - $25,000 - Donna and drain pipe do 111 E. / Perry - 3BD/1BA 1118your sq ft new $79,800 – Tiffany 7917 Pickles Gap Nice large lot in Perkins School District --$22,500 1408 N. Shumard Oaks -Tower 5 -Nice Lots for you to build home $27,000 -- Lori Donna ,900 - Lori provide a secondary N. Burdick - 3BR/2BA 1623 sq ftinClose to shopping & schools $209,000 – Donna-- Lori 6021502 Hallies Meadow - NEW CONSTRUCTION 4BR/2BA, 2,347 sq. ft. -at$379,900 Scotthaven Addition - Nice Large lots Perkins School District/starting $45,500 Donna 2923 920, 1/2 S. Duck 2 Investment properties, homes, 5possibilities bedrooms total $160,000- -Donna –Tiffany Amy iffany 5607920 Mehan Rd. .-- -4,000 52.5-acres Sale, Will-2Divide, School $349,000 5005 NSPerkins Rd. sq. ft.for warehouse Oh, theRipley - -$399,900 benefit on certain 101 W. 80th - -Commercial building and shop on 11.5area/starting acres – Lori$495,000 1218 12th - 4Dr. Commercial Lots in a very High Traffic $255,000 - Ann- Lori 57061408 W. Garden Pointe Gated Community 3BR/3BA, 2,754 sq. ft.$4,000,000 - NEWatPRICE $510,000 - Ann N. M W 35,900 thin-trunked species 3000 S. /Range - 4 bed, bath,/ NW on 3.2-acres $820,000 354 Cou ,500 - Tiffany 5011 W.Rd. Lakeview - 4.5 10 acres of Stillwater $300,000 –- Tiffany/Dolores Lori 910S.Kansas St. Pawnee - 1936 farmhouse 1-acre lot with- outbuildings - $129,999 - Tiffany 4517 0 - Lori like maple. They 3215 S. Boomer Rd. - Nice Commercial Building for sale --$250,000 $2,245,000 - Tiffany 522 12th- 52.65-acres - Commercial building in downtown Stillwater – Lori 415 W.E. 80th rural property, no restrictions $250,000 - Lori 354 - ffany Tiffany PENDING - 2112620 ,900 - Tiffany 354 St., Coyle Unit Storage INVESTMENT - $165,000 - Donna S. Black Oak Dr.- 64 -Stillwater 4BD/3BA, 4813 Building, sq ft Georgian & style – Donna prevent sun-scald 617 E. S. Main Main - Downtown commercial unitGREAT pluselegance apartment unit$950,000 - $395,000 - Tiffany 505 S.N. Morton Ave. - -Ripley, OK, Cuteshelter, home outbuilding across from the School - $69,900 - Lori- K.45,000 1304354 & 1111 - Lori iffany 1012 Manning St. 3BR/2BA storm $195,000 – Tiffany PENDING! E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany - PENDING or winter injury by 000 Glenwood platted for duplexes close Lake - $420,000 - Tiffany PENDING - S.NDuck - $152,500 ,000 -Tiffany sqBoomer ft $239,000 – Tiffany 2218 W.Ct. 3rd- 9- lots Close to campus 3BR/2BA 2208 to 920, 920½ 2 Investment properties, 2 homes, 5 bedrooms total NEW PRICE Amy 1304 & Lori 7917 Pickles Gap - Nice large lot in Perkins School District - $22,500 - Lori protecting the trunk 14086021 N. Main / Perkins4BD/3BA 2098 sq ft NEW CONSTRUCTION on- $4,000,000 golf $325,000 Lori 101 W. 80th - Commercial building and shop on 11.5-acres - Lori - –Lori Hallies Meadow - NEW CONSTRUCTION 4BR/2BA, 2,347 sq.course ft. - $379,900 4517 Jenna Ln. 3BD/2BA 1756 sq ftNW NEW $266,900 from direct sun on 5011 W. Lakeview - 10-acres of- CONSTRUCTION Stillwater - $300,000 Lori – Lori- Donna 5000 N Perkins Rd. - -4,000 sq. ft. warehouse Oh, the possibilities - -$399,900 354 Tiffany 115E. E.12th 80thDr. - 14.5 acresCommunity m/l Just North of 68th &2,754 Mehan - $121,075 Tiffany 354W.S.Garden -Kyle Tiffany- Ann 3 522 - Commercial building in3BR/3BA, downtown Stillwater - Lori$450,000 5706 Pointe - Gated sq. ft.- -$250,000 NEW- PRICE cold and sunny win80th - Nice4,813 large office 3 acres m/l $950,000 – Lori- $950,000 354 Cou , -700 Tiffany . 415 Kyle W. 203 80th 52.65-acres rural no restrictions 2620S306 S. Black Dr. E - -4BR/3BA, sq.property, ft.on Georgian elegance &- $250,000 style Donna 270 . Oak -7- Lori -- -Lori ter days. If you have 2707 Lori E 2nd - 4BD/2BA sq ft Split plan $175,000 – Ann 920,1304 920½ Duck 2-Investment properties, homes, 5floor bedrooms total NEW PRICE $152,500 AmyK. PENDING & S. 1306 24 ft. - $135,000 - Lori 1408 N. Main /Perkins 4BR/3BA, 2,098 sq.1717 ft. 2NEW CONSTRUCTION on- golf course -sq. $325,000 $315,000 - -Lori 2707 W.S4 - 3202 317 Lori Lori a tree that has what W. -80th building and shop onsq 11.5-acres - $4,000,000 Lori 6038- Commercial Haydans Brook 4BR/2.5BA 2183 ft $349,000 – Lori - Lori 4517 Jenna 3BR/2BA, 1,756 sq. ft.- NEW CONSTRUCTION - $266,900 PENDING 202 101Ln. 5 -- -Donna 5011 Lakeview - 10-acres NW of on Stillwater -$600,000 $300,000 - Lori N. Monroe - 2 Commercial buildings 3 acres – Dolores E. 80th -W. 14.5-acres m/l just north of 68th & Mehan - $121,075 - Tiffany Lori K. appears to be deer 61152112 522Rd. E. 12th - Commercial buildingOK in downtown Stillwater - $250,000 - Lori – Tiffany 354 S. Council - Land forlarge sale office in Crescent, - No restrictions 33.5 acres m/l $167,000 203 E. 80th Nice on 3-acres m/l NEW PRICE $1,200,000 - Lori damage on the south2620 S. Black. Oak Dr. 4BR/3BA, 4,813 sq. ft. Georgian elegance & style $950,000 - Donna as or 801 S. Burdick - 3BR/2.5BA 1371 sq ft $87,000 – Tiffany 3202115 E. E. 2nd 4BR/2BA, 1,717 sq. ft. Split floor plan $170,000 Ann PENDING 0000 S. Ann - - Lori-K. 80th - 14.5-acres m/l just north of 68th & Mehan - $121,075 west side of tree, yet 2707 W 6038 44th Haydans - 15.86 acres - will -divide, look for2,183 signs west of- Western $317,000 – Lori ffany 4 Brook 4BR/2.5BA, sq. ft. $349,000 Lori - Nice large office on 3-acres m/l - NEW PRICE $1,200,000 47 .203 E. 80th , - Lori any Cedar Oaks 19th - 7.48 acres m/l in2,183 city3-acres limits $350,000 – Lori you’ve never actually 2112 N. Monroe - 2&Commercial buildings on --$600,000 --Dolores 6038 Haydans Brook - 4BR/2.5BA, sq. ft. $349,000 Lori fany N. Possibilities! - $2,352,900 - Lori N.601 Lori 0000 S. Country Club Rd. 20 Acres on Paved Road $200,000 Ann 2707 W 44th 15.86-acres will divide, look for signs west of Western $317,000 - Lori - PENDING 2112 N Monroe - 2 Commercial buildings on 3-acres - $600,000 - Dolores seen any other signs Lori Crosby Donna Rhinehart 4717 S. Turtle Pond Ct. Great .-acre m/l Lot for your building pleasure $45,000 Montie Stewart Monty Stewart Cedar CedarOaks Oaks&&19th 19th- -7.48-acres 7.48-acresm/l m/linincity citylimits limits- -$350,000 $350,000- -Lori Lori Tiffany Realtor Associate of deer, this may well 3000 Range Rd $845,000 1-3 Dolores Lemon Realtor Realtor Associate N. Washington Rd. 151.8 acres m/l, OH the Possibilities! $2,352,900 Lori 4717 TurtlePond PondCt. Ct.- -Great Great.-acre .-acrem/l m/llot lotfor foryour yourbuilding buildingpleasure pleasure $45,000 -Tiffany Tiffany 4717 S.S.Turtle - -$45,000 PEN q.- $2,352,900 ft. - $349,000 - -Lori 405-612-4184 405-747-7306 405-372-5151 ngtonRd. Rd. 151.8 acres m/l, m/I, OH - -Lori be the cause. Washington Rd.---151.8-acres 151.8-acres m/l,OH OHthe thePossibilities! Possibilities! $2,352,900 -Lori Lori N.NWashington the Possibilities! - -$2,352,900

HOME GROWN

Stillwater NewsPress • Thursday, October 21, 2021

With fall coming on, deer rut (mating season) will be here soon. If you are new to the area, you might be surprised to learn that very few places are completely off limits to deer activity in Payne County. In other words, this message is not just for those with rural landscapes. Male deer are notorious for scraping bark off young trees during this time. While some of this damage can just be cosmetic, the damage is usually permanent and often bad enough that the tree will never fully recover. The trees most vulnerable are small in diameter (from about one to four or five inches) and having few side branches. The damage is typically concentrated from two to four feet off the ground. They also tend to prefer single trunked trees rather than multitrunk. The best prevention method is also the most time consuming and labor intensive. Installing wire cages (anchored by posts or significant stakes) around the tree will keep them away. While it is OK to leave this system in place through a growing season or two, it can become problematic if left on for too long. Check this system regularly and make sure new branches are not being damaged by the wire and that

Stillwater NewsPress • Thursday, October 21, 2021

‘Sale-leaseback’ deal can help parents and their offspring alike A novel plan can help parents take cash out of their house while also helping their kids along the path to homeownership. DEAR DAVE: I am a single woman and would like to buy my first home. My parents are retired and paid their mortgage off about 11 years ago. The three of us have been talking about the possibility of me buying their house and then renting it back to them. This seems like it would be good for everyone, because my folks would get a lump sum from the sale but could stay in the house as long as they wish, and I would get the property when they eventually move out or pass away. What do you think of this plan? ANSWER: The type of deal that you and your parents are considering is called a “sale-leaseback.” It can be a great decision, provided that you and your parents structure the transaction properly. Let’s say that you agree to buy the home for $200,000. You could make a down payment of

10% (or any other amount) and then get a bank loan to finance the rest of the purchase. Your parents would get to keep all $200,000 of the sale proceeds tax-free and would have the comfort of knowing that they could stay in the home for as long as they want by leasing it back from you. Meantime, you would collect monthly rental payments from your parents and would also be eligible for all the special tax breaks that only rental-property investors can claim. And when your parents eventually move or pass away, you could move into the home yourself, sell it or rent it to new tenants. Although a sale-leaseback can benefit everyone who is involved, it can also raise some complicated tax and legal issues. Make sure that both you and your folks talk with a knowledgeable attorney and tax expert before moving forward with your plans. ••• REAL ESTATE TRIVIA: The

ABOUT REAL ESTATE DAVID MYERS average rent for a one-bedroom apartment in the U.S. now stands at $1,663, according to publishing giant Apartment Guide, up 10.8% from a year ago. The typical two-bedroom unit goes for $1,949, up 10.1%.

by the construction of the massive Parker Dam in the 1930s. Its 450 miles of shoreline sat largely undeveloped until the ‘60s, when much of it was purchased by equipment-making magnate Robert McCulloch. McCulloch ••• thought that purchasing the bridge DEAR DAVE: and reconstructing I saw a short TV it on his then-barnews story that Ar- ren land would izona was celebrat- draw lots of visiing the 50th year of tors, many of whom the famous “London might plunk down Bridge” arriving in a few hundred dolLake Havasu. Why lars for one of his did London give us subdivided lots. His its bridge? plan worked: The ANSWER: Enlast of the buildable gland didn’t give parcels was puraway its (arguably) chased in 1978, and most-famous bridge. the western ArizoBuilt in 1831, but na city now has a slowly sinking into population of about the River Thames 55,000. because of poor construction and in••• creased traffic, the City of London had DEAR DAVE: it dismantled and We are going to buy sold it at auction in a new house, but 1967. we would also like Lake Havasu to keep our current itself was created home and rent it to

tenants. If we rent the home out and our lender finds out, could the bank force us to pay the loan off in a lump sum because we no longer live there? ANSWER: Probably not. Most mortgage lenders require that a borrower live in his or her home for the first six months or a year after the sale closes. But if you have lived in the property several years, I doubt you have anything to worry about. Still, you should be on the safe side. Haul out your copy

of the original loan contract and read all the fine print. Call the bank for a duplicate if you can’t find your own copy. In the unlikely event that you are among the few borrowers who must pay their loan immediately if they move out, there’s a chance the lender will waive this requirement if you have a good payment record. Another option would be to refinance your current mortgage through one of the many institutions that make loans on rentals.

••• Our booklet, “Straight Talk about Living Trusts,” explains how low- and middle-class homeowners can now reap the same benefits that creating an inexpensive living trust once provided to only the wealthiest of people. For a copy, send $4 and a self-addressed, stamped envelope to David Myers/Trust, P.O. Box 4405, Culver City, CA 902314405. Net proceeds go to the American Red Cross. (c)2021 Cowles Syndicate Inc.

405.624.2626 www.c21global.com 131 N. MaiN, Stillwater

DEFY MEDIOCRITY + DELIVER EXTRAORDINARY Linda Schmidt Broker

405.880.3048 Bailey Williams

405.714.4037

Property Manager

Alane LeGrand

405.747.6950 Judy Kasso

Rosetta Heppel

405.880.0869 Virginia Cussner 405.747.7601

Beverly Carter

405.743.9618 Diana Field

Sandy Blankinship 405.269.9523 Oscar Fortune

801.824.8166

405.747.4684 405.747.6042

Mike Branson

405.612.5347 Thomas Jenkins 405.780.3204

Tana Rutan

405.612.1496 David Heppel

405.269.6907

Buy now, pay later isn’t bad – but be careful

By Sara Rathner NerdWallet

business purchases and a new mattress. As someone who frequently discusses spending with clients, he recommends considering BNPL when you can afford to pay for something in full, but paying in installments would help you better manage your cash flow. Before you choose a payment plan, review what you have in your bank account and how much money you earn each month, so you know you can afford the payments along with your other obligations. “This is not for somebody that is complaining about never having money, or is always borrowing money from people,” he says. “This is for people who have consistent income, who

are looking for ways to take advantage of some of the benefits and the convenience of breaking up a purchase over a few weeks.” Yes, you can spring for the nice shampoo and split the purchase into four $6 payments, but just because you can, doesn’t mean you should. BNPL services are helpful, but they also make it far too easy to impulse shop when your budget is tight. “We’re in a world of instant gratification,” Gold says. “There’s a ton of overindulgence and excess in everybody’s life.” REVIEW THE FINE PRINT Before you make a major purchase, find out how you can get your money back if

you return the item, it gets lost during shipping or it arrives damaged. What rights do you have if the merchant won’t refund your money? If the merchant allows for refunds, you can get your money back. Affirm, Klarna and Afterpay will refund you in full, for example – though Affirm notes that if your plan includes interest payments, you won’t get that money back. Should you need to dispute a charge because the item is missing or damaged, your first step is to contact the merchant directly, much like you would if you paid

with a credit card. In some cases, if the merchant grants you a store credit instead of a refund, you must still make payments on your installment plan. GO IN WITH A STRATEGY Stay organized by using BNPL for very specific purposes, like a series of purchases for one event. Alexandria Broward used BNPL when she and her now-husband decided they wanted to elope in a month’s time. With just three weekends to find a dress and sort out other logistics, Broward put some ex-

penses on credit cards and used BNPL for her outfit. She ordered several dresses and fronted a fraction of the cost, returning all but one and getting money back for those returns. Her tactic was to avoid putting the whole cost on credit cards. She also used BNPL to divvy up the cost of her $400 wedding shoes . “They really tied the dress together,” she says. “If I ever have a daughter, she’ll get those.” “It was a great solution and service to have in my situation, given how last-minute everything was,” Broward says.

OPEN HOUSES SAT & SUN OCT. 23 & 24

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Stillwater NewsPress • Thursday, October 21, 2021

Those cheesy TV infomercials promising “three easy payments of $19.99” were quite ahead of their time. Though calling a toll-free number to buy asseen-on-TV items is no longer in style, the idea of paying in installments remains popular thanks to a booming marketplace of buy now, pay later services. With companies like Affirm and Klarna, and credit card issuers like Chase and Citi, you now have a variety of ways to divide up the cost of large purchases. Of course, there are rules and limitations – some BNPL services partner with specific merchants, while credit card companies require you to carry one of their cards to participate. But limitations haven’t stopped it from becoming a trend. In June 2021, Competiscan, a company that tracks and analyzes direct marketing activity, noted a 530% increase in BNPL email marketing campaigns in the past year, with 28% of retail emails mentioning BNPL in the first quarter of 2021.

BNPL is still a form of debt, though. If you’re debt-averse and would rather save up for major purchases and pay for them in full, that is indeed an excellent tactic. But debt isn’t inherently evil. It’s merely a financial tool that can make major purchases more manageable. As with any financial tool, it’s all about how you wield it. Here are some ways to use BNPL thoughtfully. KNOW WHAT YOU CAN AFFORD Andrew Gold, a financial advisor at Prestige Wealth Management in Southlake, Texas, has used BNPL services to finance large purchases, including travel bookings,

Cities seek to loosen rules on spending federal pandemic aid not providing them infrastructure. would let governrelief,” said Wade But one particular ments claim losses in Kapszukiewicz, the category stands out dedicated funds such for its flexibility. as gas taxes for roads At the Loma Verde mayor of Toledo, Ohio. Governments that even if other revenue Recreation Center At issue is $350 lost revenue can use grew. Local governsouth of San Diego, billion for states, their federal aid for ments also want demolition work is counties and cities almost any services, to exclude recently underway on a $24 that was part of the up to the amount enacted tax hikes million project that massive COVIDof their losses. That from the calculation, will rebuild the facil19 relief bill Biden means they can which they contend ity from the ground signed in March. The spend the money on masks the depth of up, complete with a money is intended to roads, a recreation their losses during new pool. An hour’s help shore up their center or a pier, the pandemic. drive to the north, finances, pay the onwhich might not othIn Toledo, voters the iconic bridge to erwise be eligible. last November apthe Oceanside pier is going costs of fightTreasury spokesproved a temporary deteriorating because ing the virus and invest in longer-term person Liz Bourgeois one-quarter percent the city lacks the projects that could said the plan gives income tax increase money for a roughly governments “the that is projected to $25 million rehabili- strengthen communities for years to resources and flexraise $19 million tation. come. The funding ibility they need to annually for roads. A reason one projwas made available avoid cuts, hire or reAs a result, that ect is moving ahead by the Treasury tain workers, provide revenue will offset and the other isn’t beginning in May – essential services, other losses under revolves around the though states and and come out of the the Treasury’s calcuAmerican Rescue cities have been slow pandemic stronger.” lation, meaning the Plan – the sweeping to start spending it. Democratic congres- city won’t have the COVID-19 relief The Treasury’s sional leaders also flexibility to use relaw championed by guidelines give govhave praised the lief money to replace President Joe Biden ernments leeway to Treasury’s flexible old police vehicles, and congressional choose from more guidance. Kapszukiewicz said. Democrats that is than 60 subcategoBut some local offi“It now falsely pumping billions of ries for spending the cials think the Trealooks like our econdollars to states and money, including sury’s formula for omy has recovered local governments. COVID-19 vaccinacalculating lost reve- more than it has, Under rules detions, premium pay nue is too restrictive. when in reality, it veloped by the U.S. for certain workers, It rolls most revenue merely reflects the Treasury Departhousing aid, grants sources together inrevenue produced ment, some governto businesses and im- stead of calculating by putting an extra ments have more burden on ourflexibility than others provements to water, losses on a fund-bysewer and internet fund basis, which selves,” the mayor to spend their share of the money as they want. That’s why the new swimming pool is a go, and the rehabbed pier – at Dedicated professionals providing unrivaled service. least for now – is a no. Similar dispar114 W. Hall Of Fame • Stillwater • 405.533.3000 ities among cities across the country StillwaterSignatureRealEstate.com| f @RemaxSignatureStillwater have prompted a pushback from local th OPEN SUNDAY, SEPT. OCT. 24 OPEN HOUSE HOUSE •• SUNDAY, 26th officials, who want Treasury to loosen its rules before the 924 Seminole 836 Oklahoma St.Wedgewood 712307 Mary 3132 Drive 814Madison S. Drive Court 1014 N. 719 S. St. program progresses Stillwater Morrison Morrison Stillwater STONEYBROOK ST. DRYDEN CIR. Stillwater BERRY ST. much further. 12:30-2:00 2:00-4:00 2:30-4:00 1:00 -1:00 3:00- PM - 4:00 PM 1:00 -2:00 - pm 4:00 PM 3:00 pm 2:00 2:30 “Otherwise, they are penalizing cities BELINDA JAMES KristinJAMES Dondlinger Candy Yundt KristinBeth Wooldridge Julie Bahl Dondlinger for the pandemic, By David A. Lieb

Stillwater NewsPress • Thursday, October 21, 2021

Associated Press

said. “It’s absurd.” In California, more than 250 cities and counties enacted voter-approved tax increases since 2018 – most coming during or after the 2018-19 fiscal year that forms the basis for calculating revenue loss, according to an analysis conducted for The Associated Press by government finance consultant Michael Coleman. The southern San Diego suburb of Chula Vista, which did not enact new taxes, calculated revenue losses of more than $32 million under the Treasury’s guidelines – covering over half its $57.5 million allotment under the American Rescue Plan. Among other things, the city is directing $12.2 million for culvert repairs at two intersections to alleviate flooding and $8 million to add new aquatic facilities to a planned renovation of the Loma Verde Recreation Center.

Had the city not been able to tap the revenue-loss category for federal funding, those projects could have been pushed off indefinitely, said Chula Vista city engineer William Valle. In Oceanside, however, officials have less latitude over their federal aid. Voters there approved a one-half cent sales tax that took effect in April 2019, reducing its revenue loss under the Treasury formula from $22 million to $12 million and limiting its spending flexibility. Further complicating matters, the city spent nearly $2.6 million from its reserves – which otherwise could have gone toward infrastructure – to provide meals, homeless services and business grants during the pandemic. But the Treasury’s rules prohibit the federal aid from being used to replenish reserves. Oceanside officials would like to be able

to direct more of their federal money toward fixing the seismically unsafe 1920s-era bridge that leads to its pier. “It’s imperative that the pier be maintained and restored so that it continues to attract visitors,” said Rick Wright, CEO of MainStreet Oceanside, the downtown business association. He added: “I don’t think it’s immediately noticeable to people that it’s in grave need of restoration, but if you look close enough, you can see where there’s cracks and pieces that have fallen out already.” Other cities also have written to the Treasury asking it to loosen its revenue-loss rule and give them greater say over the money. Treasury officials said they are considering the comments but have given no indication of whether they will change the rule, nor when the final version will be released.

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Stillwater NewsPress • Thursday, October 21, 2021

Find your next home with ease in Real Estate Weekly in print every Thursday, or online at

Yost Rd.

To Cimarron Turnpike

Topaz Ave.

Amethyst Ave.

Duncan

Nancy Lee Dr.

Evergreen

rie Dr. Wil liam Ct.

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

Perkins Rd.

Knoblock St.

Star Dr.

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

Katy

Henderson St.

Timbercrest Dr.

Av.

Mockingbird Ln. Collins Ct. Colby Lance

4th Av.

Villa Dr.

Drury Ln.

3rd Av.

5th Av.

Crestwood Cr.

Pinewood Cr.

ower Hight

Oakwood Dr.

9th Av.

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Raintree Av.

Eastgate St.

Pos

Timbercrest Cr.

Denver St. St.

Jardot Rd.

Payne St. Payne St.

7th Av.

S. Westchester St.

Hightower St. Dr.

Wedgewood Dr.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

4th Av.

Denver Ct. Denver St.

Jardot Rd.

Wedgewood Ct. Wedgewood Dr.

Blair St. Payne St.

Eastern Av.

Blair St. Stallard St.

Hall St.

Leigh St.

Burdick St.

James Ct.

22nd Av.

Peach Tree Av. Stonegate Av.

Lydia Ln. 17th Av.

19th Av.

22nd Av.

177

24th Av.

Main St.

Knoblock St.

Cambridge Dr.

Husband St.

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Mar Vista St. 28th Av.

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is S

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Vista Ln.

44th Av.

Hunters Cr.

Dr. Deerfield

Wild Turkey Pas

Vista Ct.

Red Rose Dr.

Cottontail Ln.

Jardot Rd.

Perkins Rd.

Husband St.

Western Rd.

Sangre Rd.

Washington St.

Fountain View Ct.

Timberline Dr.

4th Av.

25th Av.

26th Av.

Forest Trail Ct.

3rd Av.

Jardot Rd. 16th Av.

Payne St.

Dr.

Ransom Dr.

Springfield St.

ott

Aetna St.

Hartford St.

Fern St.

Chester St. Fern St.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

Virginia Av.

3rd Av.

Hartford St.

Lowry St.

Chester St. Lowry St.

Alc

Pennsylvania St.

Lowry St.

Lewis St. Lewis St.

Skyline Ln.

Grandview 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.

Stallard St.

Burdick St.

Perkins Rd.

Grandview Ct. Grandview St.

Manning St.

Briarwood Dr. Manning St.

Su nn nn y yb Ct bro ro . ok o

Dryden St.

Berry Ct. Arrington Ct. Arrington Dr.

Hartford St. Dryden St. Redbud Ct.

Star St.

Lewis St.

Hoke St. Husband St.

Masin St.

Husband St.

Main St.

Duck St.

Duncan St.

West St. West Bl.

Husband Pl.

17th Av. 18th Av.

Payne St.

Dryden St.

Hartford St.

Benjamin St.

Crescent Dr. Glenwoo d Dr.

Main St.

Duncan St.

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

West St.

Duncan St.

Knoblock St.

Hester St. Hester St.

Knoblock St.

Washington St.

Ramsey St.

Benjamin St.

sb Hu

Husband St.

Ramsey St.

Hester St. Knoblock St. Knoblock St.

Washington St. Bellis St.

Hester St.

Monroe St. Jefferson St.

Adams St.

Walnut St.

15th Av.

Cedar Ct.

Matthews Av.

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Connell Ct. Connell Av.

Young St.

Park Dr. Park Dr.

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Crescent Dr.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

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Clevelan

Stanley St.

Gray St.

Pine St.

Orchard St.

Walnut St.

McDonald St. Teal St.

Bluestone St.

Birchwood Ct. son Ct. Wedgewood

Whitney Ct. McElroy Rd.

21st Av.

Pioneer St.

Murray Ct.

Cedar Ct.

Han

Karr Ct.

Black Oak Dr.

12th Av.

Pl.

8th Av.

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Ct.

Redbud Dr.

7th

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Willis St.

Silverdale

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Ramsey St.

Kings St. Orchard St.

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McFarland St. Kings St.

Willis St.

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Willis St.

Dr. Ridge

Wicklow St.

Devon St.

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Ln.

Surrey Dr.

Dr .

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Culpepper

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Black Oak Dr.

August Dr. Cambridge Ct.

3rd Av. 4th Av.

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8th Av.

12th Av.

11th Pl.

Sum

Maple Av.

Brooke Av.

Sunrise Av.

McElroy Pl.

Elm Av.

Elmwood Cr.

Elm Av.

Connell Av.

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.

Hanson

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Doral Ln.

Miller Av.

Lakeview Rd.

Rocky Ridge

Black Oak Dr. Countryside Dr.

Tanglewood Cr.

dge D r. Fox Le

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Camden

7th Av.

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5th Av.

Will Rogers Dr.

Dryden Cr.

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19th Av.

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Country Club Rd.

7th Av.

Arbor Cr.

24th Av.

Quail 25th Av. Ridge Ct.

44th Av.

Turtle Pond Ct.

22nd Av.

Cantwell Av.

Emma Swim Ave.

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

Scott Av.

University Av.

Saddl

Eagle Summit

Savannah

Fairfield Dr.

Fairfield Dr. Mansfield St. Ct. dar Ridge

Hillside St.

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

Shumard Ct. Oak St. W. Shumard Dr. Williamsfield

Westridge St. Hillside Ct.

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Sangre Rd. Murphy St.

Squires St.

Charles Dr.

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18th Ct.

Knotts Av.

Connell Av.

Morrill Av.

31st Av.

Woodland Trails Dr.

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Helena Hts.

18th Av.

20th Av. 21st Ct.

Ct. . nery ock Ln R dle Sad

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17th Av.

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13th Av. 14th Av.

15th Av.

29th Ct. 30th Av.

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Pheasant Eagle Creek Ave. Ridge Ave.

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Park

Isabell Pointe Dr.

St.

k Dr.

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Aloysius Cr.

Washington St. Garfield St. Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Western Rd.

Windsor Dr. 2nd Ct. Kea ts D r.

Abbey Ln. Windsor Dr.

Oak Ridge Dr. Basin Ridge Dr. Dr. idge

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

. Rd

ail Dr.

Walking Tr

Ramsey 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.

Mark Circle

Country Club Rd.

Willow Park Cr.

Fox Ledge Ln.

32nd Av.

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Bristol Rd. Av. 24th Av.

Fox Ledge Ct.

Briarcreek Dr.

Monroe St.

Land Run Dr.

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Austin Ct.

Shadow Creek Ln.

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Stillwater NewsPress • Thursday, October 21, 2021

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Chapel Hill

10th Av.

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19th Av.

18th Av.

Persimmo

Shiloh Creek

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

Lauren Lane

Keller Dr. Lakeview Ct.

Dells Av.

Wiley St.

3rd Av.

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Cove

Sunset Av. University Av.

Scott Av.

Mercury Av.

Liberty Dr.

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18th Av.

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Loper Billin gslea Ln. Ct.

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Crestview Ct. Cowboy Ct. High

Woodlake Dr. Deer Creek Ct.

Canterbury

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St. Tyler Av.

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

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Murphy Dr.

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4th Av.

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Miller Av.

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Harned Av.

Mohawk Av.

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Tyler Av.

Eastland Dr. Marcus Dr.

Swim Av.

Brooke Moore Franklin

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4th Av.

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Osage Dr.

Eskridge Av.

Windsor Cr.

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3rd Pl.

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Liberty Rd. Preston Av.

Lakeview Rd.

Airport Rd.

Newman Av.

Hillcrest Av.

Tobacco Rd.

Preston Ln.

State Ln.

Dr.

Av.

177

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Memory Ln. Country Ln.

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Lakeridge Av.

Rutledge Dr.

Windmill Ln.

Thomas Av. Frances Av.

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Newman Av. Hillcrest Av. Brown Av.

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Arapaho Av.

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Cherokee Av.

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Hartwood Av.

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Richmond Hill Rd.

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Hunters Ridge

Stonecrest Ave.

Lynn Ln.

North

Benjamin

Husband Pl. Northgate Dr.

St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

nd Husba

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Quartz Dr.

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• All Open Houses are Sunday unless otherwise indicated.

Lakeview Rd.

Ct.

yon

Can

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Week of Sunday, October 24, 2021

Real Estate Professionals 1. 1919 N Brooke Hollow Ct - 1-2:30 p.m. ... Tiffany 2. 2113 N Crescent Dr - 1-2:30 p.m. ... Ann 3. 2121 Post Oak Dr - 1-3 p.m. ... Lori RE/MAX Signature 4. 3132 Madison Ct - 1-3 p.m. ... Julie 5. 719 Wedgewood Dr - 1-2:30 p.m. ... Kristin One Broker Place 6. 2121 Summer Hill Ct. - 1-2:30 p.m. ... Kimberly & Kathy Keller Williams Realty 7. 102 S Parotte Rd, Ripley - Saturday 1-3 p.m. ... Audra 8. 6106 E 32 Ave - 2-4 p.m. ... Audra

Burris Rd.

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Chateau Ct.

OPEN HOUSEMap

McMurtry Rd.

Jardot Rd.

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177

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