November 24 Real Estate Weekly by Stillwater News Press

News Press Stillwater

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

New

November 24, 2021

2.98% Home buyers and homeowners got another chance this week to lock in historically low mortgage rates.

!!!

g istin

$325,000

1605 W. Liberty Ave - Page Provence

$175,000

“Opening Doors Since 1984”

Fisher Provence Realtors Inc.

www.fprealtors.com 405-377-1000

2001 Cherry Ln - Page Provence $239,000

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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.

4506 Braxton Ln - Page Provence

Stillwater NewsPress • Wednesday, November 24, 2021

Homeowners should be aware of ‘green scams’ Millions of homeowners are trying to save energy, but some are unwittingly ripe for a rip-off. DEAR DAVE: A young man came to our door and said he could install a complete solar-panel heating system on our roof for $4,500, adding that the system “would pay for itself” within four years through savings on our energy bills and federal tax credits. It sounded like a good deal to us, especially because we’re doing our best to save the environment, so we signed a contract and gave him a $1,000 check as a down payment for the work. The check was cashed immediately, but no one ever showed up to do the installation. We tried to call the man, but his phone is disconnected, and then tried to visit his office, but found that the address is nonexistent. What can we do now? ANSWER: Not much. You could sue the young man and his company in small claims court and win, but your chances of actually collecting the money are slim: Even if

you find the guy (assuming that he gave you his real name), he probably is broke and cannot pay you back. It sounds as if you have become the latest victim of the growing number of “green” scams, in which fly-by-night contractors or salespeople line their pockets by targeting environmentally conscious homeowners. There are a number of different green scams going on today, the Federal Trade Commission says. The one you apparently fell for is popular among con artists, who offer to make energy-saving improvements but never deliver. Homeowners should ask for references before signing a contract for such work and, more importantly, call the state’s licensing board to ensure that the contractor is legitimate and also contact the local Better Business Bureau to check out his record. Another green ruse is based on the energy-saving audits offered by many utility companies

cause calling for a special election could be costly and time-consuming. Haul out your copy of the HOA’s bylaws and reread it. Complain directly to the board if your interpretation of the MYERS rules suggests that the directors acted them to steal your improperly. If you identity, while others are designed by are not satisfied with the answer, hackers who want contact your state’s to infect your comdepartment of real puter with a virus. estate or similar ••• DEAR DAVE: We regulatory agency for help. live in a townhome ••• development. One DEAR DAVE: We of the directors of accepted an offer for our homeowners association recently our home two weeks ago, after three resigned because his employer trans- months of marketing it for sale. Now ferred him out we have asked our of town, and the real estate agent to remaining board members appointed take our “for sale” sign down because a first-class jerk to we’re sick of looking take his place inat it and people are stead of calling for still knocking on a vote by all homeowners to find a re- our door and askplacement. Was this ing to take a tour. The agent says we action legal? should leave the ANSWER: Probsign up. What do ably, although you would need to check you think? ANSWER: You your HOA’s bylaws should probably for a definitive anleave the sign up swer. for at least two or The bylaws of three more weeks. most associations permit their boards A proposed sale can to appoint a replace- fall apart for any number of reasons, ment to a seat that especially now that suddenly becomes banks have recentvacant. That’s be-

ABOUT REAL ESTATE

DAVID across the nation. In it, one or two people claiming to be from a local utility may show up at your door and offer a free audit: They may just want to case your home for a future burglary, or one might distract you while the other steals your jewelry and other small valuables. Protect yourself by demanding to see their identification cards and then calling the utility to verify their legitimacy before letting them inside your home. Also be wary of official-looking computer emails from companies, local utilities or even the Department of Energy that offer free services or rebates if you fill out a simple form or agree to take an online survey. Many such emails are generated by scamsters seeking information that will enable

ly tightened their loan requirements. Keeping the sign up for a while longer could help you secure a second or third “backup” offer, which would come in handy if your current buyer can’t get a mortgage. It’s rude for potential buyers simply to hammer on a seller’s door instead of calling first to make an appointment. If it’s a serious problem, ask your agent to put a small “sale pending” or “do not disturb occupants” sign atop the larger for-sale sign. The smaller sign like-

ly will discourage pesky lookie-loos from bothering you but won’t scare off serious buyers. ••• Our booklet, “Free and Clear: Getting the Mortgage Monkey off Your Back,” provides several simple but effective strategies to painlessly pay a home loan off early and save tens of thousands in finance charges. For a copy, send $4 and a self-addressed, stamped envelope to David Myers, P.O. Box 4405, Culver City, CA 90231-4405. Net proceeds will be donated to the American Red Cross.

Thank You, Customers and Clients, for the privilege of helping you with your 2021 Real Estate and Insurance needs. Have a Blessed Thanksgiving.

GO OSU COWBOYS! Call Barbara Today!

INSURANCE AND REAL ESTATE Serving Stillwater Since 1950

BARBARA HOUCK

BROKER/OWNER, GRI

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

Long-tern poinsettia care Oklahoma State light and need at minutes. With a bit tact Keith Reed, the least six hours per of practice, you can Horticulturist in the University, as an Payne County Exequal opportunity day, ideally bright also learn to gauge but indirect. the water needs by tension office. Keith employer, complies can be reached via with all applicable When they don’t simply picking up email at keith.reed@ federal and state get it, the plant the container and okstate.edu, phone laws regarding will start dropping noting how heavy at 405-747-8320, non-discriminaleaves, which not it is. or in person at the tion and affirmaonly makes them tive action. For unattractive, but For more informa- Payne County ExKEITH REED tension office, locat- more information, harder to keep tion of this or any ed at 315 W. 6th in visit http://eeo.okalive. other horticultural longer than a few to sit in water for Stillwater. state.edu. If you find your topic, you can conpoinsettia beginning to wilt (and you’ve ruled out a water issue), take care not to overreact to a low light situation by overdoing it and placing it in direct sun. Compare this to our winter skin being exposed to a hot July sun; it’s simply to intense a 2320 3 Bed 3ftBath 1600sqft New - $209,000 - Donna 502Timbercest N.9366 Burdick -Dr. 3 2-1623 Close to Sho in &Construction Schools - 225 000 - Donna NE HWY 33 - 3s bed, 3 bath on .75-acre m/l - $275,000 - Ann change for the plant S. Perkins Rd. - Prime Commercial Property, - $1,800,000 - Lori K. 2023 3716 E. Linda Ave - Large corner lot with outbuilding. 3BR/2.5BA 1900 sq ft $248,000 – Tiffany 5020 W 10th - 4 bdrm., Stillwater Country Club, 10-acres largeOver lot -m/l $360,000 - Tiffany 11620 814 W. 100th, Coyle 4.98-acres m/l with pond. minutes major$274,000 cities. S. Rock Hollow Ct. - SWDr. area overa3.5 1990 sq Just ft/SCC Golf access – Tiffany - Lori K. to quickly adapt to. 10217 S- Brenna - 4 /Bed, Bath, 2,891 sq. Cart ft.from - $490,000 - Ann- $60,000 5607.1 SE.Mehan 41.5-acres, Just Northbarn of 68th Mehan, Ripley Schools - $257,300 9715 Horizon Dr.bdrm./3 - 50 x 60 livestock on 5 & acres with Campus! no restrictions $100,000 – Lori- Tiffany K- PENDING 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of OSU - $343,000 - Tiffany any Proper moisture 0 W. 19th0000 Ave -E 7.48 inside-Stillwater city limits $350,000 – Lori K 760 Agra 19-Acres - $71,250 - Montie 6000 N Pennsylvania Ave. #43 - acres 2Rd., bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany is the third key to 801 S. Burdick - 3BR/1.5BA, 1.5 1253 story on sqfor ft a$89,000 Lori C PENDING! Rd., Creek Crescent of undeveloped land your new home - $145,000 Tiffany 1408354 N. SMCouncil Lori 4517 5215 Spring Cir.-E29-acres - 2/1 sq.large ft. onlot 3 1371 Lots with Barn -–$299,900 - Lori K.00- – Broker Associate keeping your poin1115WS.Country Richfield Ct.Construction, - -3BD/2BA 1775 ft $305,000 6023 Haydans Brk. - New 4/2,sq 2075 sq. ft. - –$338,500 K. 4713 Club NICE Lot for sale - $25,000 -Tiffany Donna - Lori 20 onna J Lori 10 Lori 405-612-6724 N. Monroe 2321 ft $208,000 – Tiffany 5504 W Creekside Dr.2923 - GATED Luxury, 5823 sq. ft. - $1,700,000 Shumard Oaks - COMMUNITY, 5 Nice- 3BD/2BA Lots for Radiant you tosq build your5/4.5, new home -PENDING! $27,000 - Donna settia from preman - Dolores/Tiffany 7917 -Pickles GapLarge - Nicelots large in Perkins School District $22,500 Lori - $1,100,000 9001 Cedar Crest Addition Trail 4 bdrm./3 bath/5-acres/Pool/Summer Kitchen plus more!! Scotthaven - Nice in lot Perkins School District/starting at -–C11 $45,500 - Donna - Tiffany ture death. 6021 Hallies Meadow NEWon CONSTRUCTION 4BD/2BA 2347 sq ft $379,900 – Lori 18575 DeerRd. Pointe - 3/2/2 sq.Ripley ft. - NEW PRICE $268,000 Kyle 5607 S Mehan - 52.5-acres for2.5-acres, Sale, Will1917 Divide, Schools - $349,000 --Tiffany y5,900 1408 N.PEND Mai – Lori iffany Your plant should 5005 N Perkins Rd - 4000Office sq ft warehouse Oh the possibilities $399,900 – -Donna 301 S. Tryon Duck St. - Beautiful Building in- the heart of Stillwater - $900,000 - Lori K.- Kyle 00 E 810 Rd., - 53.34-acres. Hunting/Building/The possibilities are endless $224,028 5706 W. Garden Pointe Dr.Lots - Gated 3BD/3BA, 2754 sq ft-$550,000 – -Ann not be waterlogged 120 W Tyler - CALLING ALL INVESTORS, Units, 12 Apts., 2area/starting bed, 1 bath $950,000 Dolores/Tiffany 1218 W 12th - 4 Commercial in 2aCommunity very High Traffic at $255,000 - Ann 3618 W. Fountain View Ct. --5BD/2.5BA, in ground pool Creek, - Woodland Trails $362,900 – Tiffany 3337 W3000 Charleston Ct.Rd. - New Construction in 4 bed, 2.5-addn bath - $397,900 - Donna S. Range 4 bed, 4.5 bath, onBerry 3.2-acres - $845,000 Tiffany/Dolores $820,000 or allowed to coma C. 208 N. Donaldson - 4BR/2BA 1851 sq4 ftbed, - close to shopping & 3596 schools – Donna 3215 S.St. Boomer Rd. - Nice Commercial for sale - $2,245,000 - Tiffany 44th - UPDATED, 6-acres, 4Building bath, w/Shop, sq.$205,000 ft. - $840,000 - Lori 719 Kar5919 W 0 - Tiffany pletely dry out. 910Main Kansas St. farmhouse / 1on acre lot with outbuildings $129,999– 211 E. St., Coyle 64 Unit Storage GREAT INVESTMENT - $165,000 - Donna - Lori K. PRICETiffany $275,000 5215 Spring Creek Cir. E/ -Pawnee 2 -bed, 1- 1936 bath, 1253Building, sq. ft. 3 lots with a barn - NEW r ri 11 iffan Poinsettias will wilt 415 W. 80th 52.65 acres rural property, no restrictions $300,000 – Lori 505Roka S. Morton Ave. - Ripley, OK, Cute home across from the- $52,500-$79,000 School - $75,000 - Lori K. Hidden Lake - 14 Beautiful Lots on the North Side 617 Main - Downtown Stillwater unit plus apartment unit $395,000 – Tiffany - Tiffany 2923 N. Monroe - 3 bdrm./2 bath/Study/Game One block to Boomer Lake - $345,000 $219,000 N. S. Crescent Dr. - 4/2.5/2, 2439commercial sq. ft.Room. GREAT LOCATION - NEW PRICE Ann and drop leaves at 292113 Tiffany 830456 S. 3354 Rd / Carney -3BR/2BA 1468 sq ft out building $199,900 – Lori- Ann 000 N Glenwood Ct. 9 lots platted for duplexes close to Boomer Lake $420,000 - Tiffany 9366 NE Hwy. 33 3 bed, 3 bath, on .75-acre m/l NEW PRICE $259,000 719 Karen , 0 - Tiffany either extreme. 111 E. Tower / Perry - 3BD/1BA 1118 sq ft $79,800 – Tiffany 7917 Pickles Gap - #43 Nice lot in Perkins School District - $22,500 - Lori - Tiffany Ave. - large 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 1408 6000 N. N Pennsylvania ,900 - Lori The potting N. Burdick 3BR/2BA sq ft- NICE Close Lot to shopping schools $209,000 – Donna- Lori 6021502 Hallies Meadow -Country NEW 1623 CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 4713-W Club for sale &- $25,000 - Donna 2923 920, 920 1/2 S. Duck Investment properties, homes, bedrooms $160,000 – Amy iffany media being used 5005 N Perkins Rd. .- --4,000 sq. ft. warehouse -2Oh, the 5 possibilities -$27,000 $399,900 - Donna Shumard Oaks 52 Nice Lots for you to build your new home -total - Donna 101 W. 80th Commercial building and shop on 11.5 acres $4,000,000 – Lori $495,000 5706 W. Garden Pointe Dr. Gated Community 3BR/3BA, 2,754 sq. ft. NEW PRICE $510,000 - Ann 1408 N. M 35,900 - Lori Scotthaven Addition - Nice Large lots in Perkins School District/starting at $45,500 - Donna for containers these 354 CouW ,500 - Tiffany W. Lakeview - 10inacres of Stillwater $300,000 – Lori 910S.Kansas St. /5011 - 1936 Lots farmhouse / NW 1-acre lot witharea/starting outbuildings - $129,999 --Tiffany 4517 0 - Lori 1218 12th -Pawnee 4 Commercial a very High Traffic at $255,000 Ann days is extremely 522 12th- 52.65-acres - Commercial building inon downtown Stillwater – Lori 415 W.E. 80th property, no restrictions -$250,000 $250,000 - Lori S. Range Rd. - 4 bed, rural 4.5 bath, 3.2-acres - $820,000 - Tiffany/Dolores 354 - ffany Tiffany PENDING - 26203000 ,900 - Tiffany 354 S. Black Oak Dr. Rd. -Stillwater 4BD/3BA, 4813 sq ft Georgian – Donna lightweight and can 617 S. Main - Downtown unit pluselegance apartment unit$950,000 - $395,000 - Tiffany 3215 S. Boomer - Nice commercial Commercial Building for sale&- style $2,245,000 - Tiffany 1304354 & 11111012 45,000 - Lori iffany N. Manning St. 3BR/2BA storm shelter, outbuilding $195,000 – Tiffany PENDING! E. S. Tower / Perry 1,118 sq.home ft. - NEW PRICE - Tiffany - PENDING dry quickly so con505 Morton Ave.- -3BR/1BA, Ripley, OK, Cute across from $70,800 the School - $69,900 - Lori K. PENDING - S. Duck2218 - $152,500 ,000 -Tiffany sqBoomer ft $239,000 – Tiffany W.Ct. 3rd- 9- lots Close to campus 3BR/2BA 2208 to 920, 920½ - 2 Investment properties, 2duplexes homes, 5close bedrooms total -Lake NEW PRICE - Amy 1304 & Lori 000 N Glenwood platted for $420,000 Tiffany sistency is an im14086021 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 portant component 4517 Jenna Ln. - 3BD/2BA 1756 sq ftNW NEW $266,900 5011 W. - 10-acres of- CONSTRUCTION Stillwater - $300,000 Lori – Lori- Donna 5005 N Perkins Rd.Lakeview - 4,000 sq. ft. warehouse Oh, the possibilities - -$399,900 354 Tiffany 115E.E.12th 80th- Commercial - 14.5 acres m/l Just North of 68th & Mehan - $121,075 - Tiffany 354 S.3 522 - Tiffany building in downtown Stillwater -- $250,000 of watering. 415 W. 80th - 52.65-acres rural property, no restrictions $250,000 -- Lori Lori Kyle 203 80th - Nice4,813 large office 3 acres m/l $950,000 – Lori- $950,000 S306 Cou , -700 Tiffany- Amy . . Oak Kyle 2620 S. Black Dr. E - 4BR/3BA, sq. ft.on Georgian elegance & style - -Lori Donna 270 920,354 920½ S. Duck 2 Investment properties, 2 homes, 5 bedrooms total NEW PRICE $152,500 Water the plant 2707 3202 E 2nd - 4BD/2BA 1717 sq ft Split floor plan $175,000 – Ann 7 - Lori PENDING & 1306 SW. 24 ft. - $135,000 - Lori 14081304 N. Main /Perkins - 4BR/3BA, 2,098building sq. ft. NEW CONSTRUCTION on golf course -sq. $325,000 $315,000 - Lori K. 2707 W. 4 317 Lori 11.5-acres $4,000,000 Lori 101 80th Commercial and shop on when the surface of Lori 6038 Haydans Brook - NEW 4BR/2.5BA 2183 sq ft $349,000 – Lori - Lori 4517 Jenna Ln.E.- 80th 3BR/2BA, 1,756 sq. CONSTRUCTION PENDING 202 115 5 - -Donna - 14.5-acres m/lft.just north of 68th & Mehan- -$266,900 $121,075 - Lori K. 2112 N. Monroe 2 Commercial buildings on 3 acres $600,000 – Dolores the potting media 115 E. m/l just of 68th Mehan - $121,075 - Tiffany Lori- K. 6203 E. 80th 80th -- 14.5-acres Nice large office onnorth 3-acres m/l -&NEW PRICE $1,200,000 Lori 354 S. Council Rd. - Land forlarge sale office in Crescent, OK - No 33.5 acres m/l $167,000 203 80th - Nice on 3-acres m/lrestrictions - NEW PRICE $1,200,000 - $255,000 Lori – Tiffany is dry to the touch. 3818 & 3820 W E. 15th Ave Calling all investors 2Bed 2Bath duplex rented thru 5/22 -or - Donna . S. as- 801 -Ann S. Burdick - 3BR/2.5BA 1371 sq ft $87,000 – Tiffany 3202 0000 E. 2nd 4BR/2BA, 1,717 sq. ft. Split floor plan $170,000 Ann PENDING 511 E17th Ave - 3Bed 1.5 Bath 1,165sqft - $117,900 - Lori -C. Add enough water 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 , - $165,000 any - Donna 1521 &47 1523 S. Shalamar Dr - Calling all investors 2Bed 2Bath duplex rented thru 5/22 to the pot so that Oaks 19th - 7.48 acres m/l inon city3-acres limits $350,000 – Lori 2112 N.Cedar Monroe - 2&Commercial buildings - $600,000 - Dolores N. Possibilities! - $2,352,900 Lori 1525 & 1527 N. S601 Shalamar Dr - Calling all investors 2Bed 2Bath duplex rented thru 5/22fany -- $165,000 - Donna Lori 0000 S. Country Club Rd. 20 Acres on Paved Road $200,000 Ann 2707 W 44th - 15.86-acres - will divide, look for 3Bed signs 2Bath west ofduplex Western - $317,000 - Lori - PENDING it runs out of the 114 & 116 W Husband Ct - Calling NW investors rented thru 5/22 - $260,000 - Donna Lori Crosby Donna Rhinehart 4717 S. Turtle Pond Ct. Great .-acre m/l Lot for your building pleasure $45,000 Tiffany Montie Stewart Monty Stewart Cedar Oaks & 19th - 7.48-acres m/l in city limits - $350,000 - Lori bottom, but don’t 1810 & 1812 SN. Westridge - 3000 Calling all investors 3Bed 2Bath duplex rented thru 5/22 - $260,000 - Donna Realtor Associate Range Rd m/l $845,000 1-3Possibilities! Dolores Lemon Realtor Realtor Associate Washington Rd. - 151.8 acres m/l, - $2,352,900 - Lori 4717 S. Turtle Pond Ct. - Great .-acre lotOH for the your building pleasure - $45,000 -Lori Tiffany PEN q. ft. $349,000 405-612-4184 205 E Noble Ave - 2Bed 2 Car garage 1,195sqft - $94,000 - Amy 405-747-7306 405-372-5151 ngton Rd.Perry 151.8 acres2Bath m/I, OH OH the allow the plant N. Washington Rd. -- 151.8-acres m/l, the Possibilities! Possibilities!- -$2,352,900 $2,352,900- -Lori Lori

HOME GROWN

Stillwater NewsPress • Wednesday, November 24, 2021

Few things signal the holidays like the presence of poinsettias. These colorful plants are native to Mexico where they grow year-round as a large shrub or small tree. To toss this plant out after the holidays would be a shame. With proper care, your poinsettia can provide beautiful color through the winter. As an added bonus, it can also make a statement in your outdoor garden as it grows well in Oklahoma once the threat of spring cold passes. There are three main keys to keeping your poinsettia alive and healthy through the winter. Get your plants off to a good start by avoiding exposure to cold temperatures or drafts. This includes bringing it home from the nursery or garden center. Try to avoid purchasing on cold blustery days. Keep your plant away from excessively cold or hot locations, such as near appliances, fireplaces, ventilating ducts, and exterior doors. While poinsettias can certainly grow well outside this narrow temperature range, they are happiest between 68-70° F. Poinsettias like

Three times you need money advice from a human al.” Even if you’ve had accidents or multiple claims, You can now man- you typically can find coverage with age most aspects of your money without companies that specialize in higher-risk ever consulting andrivers. other human being. If a homeowners You can budget, borrow, save, invest, insurance company dumps you, however, buy insurance, prepare your tax return you may have trouble finding coverage, and create a will – says insurance among many other consumer advocate tasks – by using Amy Bach. That’s apps, websites and especially true if you software. were dropped beBut technology cause you made too still has limitamany claims, or your tions, especially area is considered when you’re facing high risk because of a money situation wildfires, extreme that’s complex or weather or crime, for involves judgment example. calls. Consider conHow would other sulting a human expert in the following companies know? Insurers share such situations: information in data1. YOU’RE CREATING AN ESTATE bases, and application forms typically PLAN ask if you’ve been Insurers typically can’t cancel a policy “non-renewed” by another insurer, after 60 days unBach says. less you fail to pay Bach’s nonprofit premiums, commit organization, United fraud or make seriPolicyholders, recous misrepresentaommends seeking tions on your appliout an independent cation, according to the Insurance Infor- agent or broker who has relationships mation Institute, a with several insurtrade group. Howance companies. ever, insurers can The agent or broker decide not to renew should know which your policy when it insurers may be expires. more receptive to With auto insurance , you often have your application and can put in a good many options after word for you, Bach such a “non-renewBy Liz Weston

Stillwater NewsPress • Wednesday, November 24, 2021

NerdWallet

says. While most underwriting decisions are made by computers, there are still ways for human beings to override the algorithms. “It will make a difference if (the agent or broker) can call an underwriter that they know and vouch for you as a good bet,” Bach says. If your area has been labeled high risk, ask your neighbors for referrals to agents or brokers who helped them find coverage. Otherwise, you can ask an accountant, attorney or financial planner if they have recommendations. Friends and family may be able to provide leads as well. 2. YOU’RE CREATING AN ESTATE PLAN Most IRS audits are conducted through the mail and are relatively routine. The IRS sends a letter requesting additional documentation to support a deduction or other tax break you’ve taken. If you mail back sufficient evidence, your case will be closed with no taxes owed. Otherwise, the IRS will mail you a bill. However, if the

IRS wants to meet with you, the stakes get much higher. In fiscal year 2020, the average amount of additional taxes recommended in faceto-face audits was nearly 10 times larger than the average for a correspondence audit: $72,210 versus $7,658, according to IRS statistics. Even tax pros hire someone to represent them in faceto-face audits, says Leonard Wright , a San Diego certified public accountant and financial planner. Wright has plenty of experience: He was chief financial officer of a company that was audited, and his personal tax returns have been audited four times. In each case, he hired another CPA to represent him. It’s all too easy to say something you shouldn’t when you’re under scrutiny, Wright says. You could volunteer information that might not be helpful to your case, or get defensive or confrontational. “You don’t want it to become personal, and you don’t want to ruffle the feathers of the auditor,” Wright says.

If you used a tax preparer, you may assume that person can represent you in an audit, but that’s not always the case. Typically CPAs, attorneys and enrolled agents can represent clients in IRS audits, but other tax pros usually can’t. Your tax preparer may be able to refer you to someone who can represent you, or you can get referrals from friends, family or financial advisors. 3. YOU’RE CREATING AN ESTATE PLAN Will-making software and estate-planning sites can help you create

essential legal documents if money is tight. Otherwise, you should probably consult an attorney, says Betsy Hannibal , senior legal editor for self-help legal site Nolo. “Why not get personalized advice that’s tailored to your situation, if you can?” Hannibal says. Getting help is particularly important if you need or want to do something complicated with your estate like putting conditions on a bequest, providing for someone with special needs or creating a trust, she says. You’ll also

want an attorney’s help if you have a lot of debt, because there may be ways to protect your assets from creditors. Finally, consult an attorney if you think someone might contest your will. A lawyer can put additional protections into place and serve as a professional witness that you knew what you were doing, Bach says. “If someone doesn’t think you were in your right mind, going through an attorney can help make sure that (a legal challenge) can’t go forward,” she says.

NEW LISTING 1423 S HUSBAND PLACE • $55,000

One bedroom, one bath home in a quiet spot close to downtown. 704 sq ft with spacious great room. Large, mostly fenced backyard with covered outdoor storage. Located at the end of the street with a green space view. Stillwater Schools.

Helping homebuyers assess climate risks USC Dornsife via The Conversation

climate risk analysis industry for real estate as a promising development, but believe the federal government should set standards to ensure that it provides reliable, accurate information.

ers.

products through to upgrade their to live in less risky market competition models regularly. areas. Like Standard – but for climate One potential examSuch shifts in turn & Poor’s but for risk forecasts, it may ple is algorithmic could nudge changclimate risk take years to assess trading competitions es in local land use Just as Moody’s which offerings are in financial markets, and zoning laws to and Standard & most reliable. in which contestants upzone – allow highPoor’s rate private I believe the feddevelop new models er-value or denser companies’ crediteral government to accurately predict uses – in relatively worthiness to help should play a role in how the stock marsafer areas. Building inform investor deci- screening the new ket will respond to more homes in less sions, a growing set generation of climate large trades. risky areas would of firms seek to asrisk products. Regmake climate adapsess spatially refined ulators could work Saving lives and tation more affordclimate risks, rangwith the National protecting assets able. ing from flooding to Science Foundation Climate risk asClimate change extreme heat and to create a jury of sessment firms could confronts people wildfire risk. These experts to evaluate help make the U.S. with fundamental companies include the new products. real estate sector uncertainty. I see Climate Check, First One way to qualmore resilient by developing the skills Street Foundation, ity-check these ofhelping homebuyers and infrastructure to Jupiter Intelligence, ferings would be to become more sophis- better predict local Moody’s ESG Solufoster a competition ticated and realistic climate risks as a tions Group and in which teams post property shoppers. useful strategy for RMS. forecasts about the Lending patterns adapting to climate Climate risk likely locations of will shift as banks risks. If forecasters raters use recent disasters in 2022, offer borrowers can develop trusted natural disasters to and then are ranked less-generous terms predictive models, compare the geogra- early in 2023 based for riskier properpeople will face less phy of recent flood on how well they ties. This incentive future regret about events to what their predicted actual out- should nudge people their real estate inmodel predicts. Typ- comes. This kind of to bid more for relvestments and less ically, they combine annual review could atively safer proprisk in their daily peer-reviewed renudge participants erties and to seek lives. search in climatology and hydrology with a climate change model to generate risks maps. First 405.624.2626 Street Foundation www.c21global.com has posted a step-by131 N. MaiN, Stillwater step overview of its modeling approach. [Like what you’ve read? Want more? DEFY MEDIOCRITY + DELIVER EXTRAORDINARY Sign up for The Linda Schmidt 405.880.3048 Bailey Williams 405.714.4037 Conversation’s daily Broker Property Manager newsletter.] Like any emerging Alane LeGrand 405.747.6950 Judy Kasso 801.824.8166 industry, spatially refined climate prediction has Rosetta Heppel 405.880.0869 Virginia Cussner 405.747.7601 grown unevenly. Some models are Beverly Carter 405.743.9618 Diana Field 405.747.4684 scientifically sound and highly precise, Sandy Blankinship 405.269.9523 Oscar Fortune 405.747.6042 while others are lower quality. In Mike Branson 405.612.5347 Thomas Jenkins 405.780.3204 a normal market, consumers would Tana Rutan 405.612.1496 David Heppel 405.269.6907 select the winning

Stillwater NewsPress • Wednesday, November 24, 2021

exposed to. Concern about emerging climate risks varies, due As climate change partly to the partifuels large-scale natsan divide. It’s fair ural disasters, the to assume that some real estate mantra buyers will be eager of “location, location, to purchase homes location” is taking in locations that on new meaning. In others view as too 2021, homeowners Prices send risky. When people have contended with climate signals, disagree about the threats including but not everyone probability of a bad paralyzing cold on listens outcome, the more the Great Plains, Home prices optimistic bidder is wildfire evacuations reflect implicit more likely to purin the West and judgments about chase the asset. flooding from the whether properties Climate change South to New York are good investis making extreme City and New Enments – including weather events, such gland. as tropical storms Buying a house is the house and the and flooding, more complicated enough area around it. For example, the curfrequent and intense in a market that rent median home in many places. Will has become supervalue in California is people’s risk percharged in many nearly US$720,000 ceptions shift along U.S. cities. Emerg– more than twice with these changes? ing climate change the national mediStudies show that risks will further an. This difference many people uncomplicate those reflects a judgment derestimate climate decisions. Investors that California offers risks to housing. will be less likely to As Nobel lauregret their decisions a desirable climate, lifestyle and job opreate economist if they do due diliGeorge Akerlof has gence in researching portunities. People who buy shown, asymmetric local climate risks. property in Califorinformation in marMortgage lenders nia are betting that kets – when sellers will face less risk of the state will conknow more about a borrowers defaulttinue to be a great product than buying, and insurers place to live in the ers – can impede will face fewer future. If climate trade. Buyers rightly losses, if they factor fear getting stuck climate risks into de- change devastates with a “lemon,” cisions on loans and large portions of it, buyers could regret whether it’s a used insurance policies. their investment. car or a house that I study environRecent research floods with every big mental economics, studying U.S real storm. and in my recent estate shows that In the auto marbook, “Adapting to flood risk and fire ket, rating systems Climate Change: risk are reflected like Carfax help Markets and the in current housing level the playing Management of an field; in the real Uncertain Future”, I prices. Properties explore how the rise that are perceived to estate industry, climate concerns are of Big Data will help be riskier sell for a lower price – but it’s creating an opporpeople, firms and not clear whether tunity for a nascent local governments these climate price industry of climate make better decidiscounts fully com- risk screening modsions in the face of pensate buyers for elers offering similar climate risks. I see the risks they are service for homebuythe emergence of a By Matthew E. Kahn

Stillwater NewsPress • Wednesday, November 24, 2021

Cuba’s post-revolution architecture offers a blueprint for how to build more with less By M. Wesam Al Asali chain disruptions had Princeton University via created a shortage of The Conversation conventional building materials. Architects realized Around the world, they needed to do there’s a conjoined more with less and incrisis of climate vent new construction change and housing shortages – two topics methods using local materials. at the top of the list A thousand-yearof discussions in the recent COP26 climate old technique In an article that summit in Glasgow. I co-authored with Construction and architect and engineer buildings account for Michael Ramage more than one-quarand architect Dania ter of global greenGonzález Couret, we house gas emissions. Meanwhile, according explored the creative to a September report challenges of this period by focusing on by Realtor.com, the a specific structural U.S. alone is short element that these 5.24 million homes. Cuban architects soon Addressing both seized upon: the tile crises will require vault. building structures Tile vaulting is a more sustainably and technique that flourmore efficiently. ished in the eastern But this isn’t the Mediterranean after first time architects the 10th century. and governments It involves conhave had to deal with structing arched ceildwindling resources ings made of multiple and the task of houslayers of lightweight ing large numbers of terra cotta tiles. To people. In 1959, an build the first layer, armed revolt led by the builders use Fidel Castro ousted Cuba’s military dicta- fast-setting mortar to glue the tiles togethtorship of Fulgencio er with barely any Batista. As part of temporary support. a broader plan to Afterward, the buildimprove the quality er adds more layers of life for millions of Cubans, Castro’s new with normal cement or lime mortar. This government sought to develop a program technique doesn’t to mass-produce new require expensive machinery or use of a housing, schools and lot of timber for formfactories. work. But speed and In the years that craftsmanship are followed, however, paramount. this dream clashed Because of its with difficult realities. Sanctions and supply affordability and du-

rability, tile vaulting spread to different parts of Europe and the Americas. It became known as Guastavino tiling in the U.S – a nod to Spanish architect Rafael Guastavino, who used the technique in over 1,000 projects in the U.S., including the Boston Public Library and New York’s Grand Central Station. Vaults in vogue In Cuba, tile vaults were famously used to build the National Art Schools, or Escuelas Nacionales de Arte. Fidel Castro advocated for the construction of the five schools on what, before the revolution, had been a golf course in Cubanacán, a town west of Havana. Designed by Ricardo Porro, Vittorio Garatti and Roberto Gottardi, the schools integrate terra cotta shells and arches with the site’s green landscape. They were long thought to be the only tile vault buildings in post-revolution Cuba. However, we discovered that the National Art Schools are only the tip of the iceberg. From 1960 to 1965, a range of vault experiments and projects took place across the country. Shortly after the revolution, architects and engineers at the Ministry of Construction – known as

MICONS – went to Camagüey, a province known for its terra cotta brick-making, to learn more about the craft. One of these architects, Juan Campos Almanza, then a recent graduate of the University of Havana, led the research team. As an experiment, he built a load-bearing vault on the grounds of the Azorin brick factory. It was a success. He went on to use the design to construct affordable and elegant beachfront homes in Santa Lucía, north of Camagüey, using the same vault design. The best of both worlds Brick-and-tile vault construction appeared to be a promising solution to build replicable and cost-effective ceilings. The Center of Technical Investigations, an agency tasked with developing housing, schools and factories, used Almanza’s research to construct its own vaulted offices. An outdoor space nearby – famously called “El Patio del MICONS” – became a staging ground for more structural experiments. In El Patio, craftspeople, engineers and architects worked together to develop affordable vaulted buildings, while teachers at El Patio’s tile masons’ school taught

building techniques to cohorts of apprentices. Vaulted buildings and homes soon started cropping up across the country. In 1961, Juan Campos Almanza completed his first housing projects in Altahabana, a new neighborhood located near Havana, building simple barrel vaults on prefabricated beams. Similar designs were used for more beachfront houses, schools and factories. In his report about the Altahabana pilot project, Campos defined his method as “tradicional mejorado,” or “improved traditional construction” – a mix of conventional building methods with some prefabricated elements. This way, he argued, builders could gain the best of both worlds: The construction, some of it built by hand, was fast and replicable. And it didn’t require a lot of materials and preexisting infrastructure. The best example of this construction method is the vaulted Pre-University Center at Liberty City, the site of a former U.S. Army base. The structure was designed in 1961 by Josefina Rebellón, who at the time was a third-year architecture student. Only a couple of miles from the Schools of Art, Re-

bellón’s design was completed in 18 months. It was made up of two circular vaulted buildings, with conical vaults and prefabricated beams, with an undulating two-story classroom building between the two circles. A brief experiment with a lasting legacy These exciting new construction methods didn’t last long. In 1963, Havana hosted the conference for the International Union of Architects. That year’s theme was Architecture in Developing Countries. The conference gave Cuban architects an opportunity to reflect on their recent experiences. The Ministry of Construction pushed to end what it viewed as a period of experimentation; mass housing, they argued, demanded industrialized construction. Buildings started being made in factories and then assembled on site. Skilled and specialized labor, like vault-building, was no longer seen as an asset but an obstacle, since vault builders were difficult to find in the country’s remote areas, and novice builders required extensive training. Yet the story of

these buildings offers lessons for designing with scarcity. The ability to experiment is important. Coordination among builders, governments and architects is crucial. And craftsmanship matters, too, whether it’s tile vaulting or traditional carpentry. For too long, buildings that required craftsmanship have been thought of as overly expensive pet projects that deployed techniques better suited for a different era. But the Cubans were able to show that craftsmanship can be developed, scaled up and combined with technological advances. Today, a handful of promising initiatives show how the craft of tile vaulting can serve for the low-carbon construction of buildings or engineered ceiling systems. Back in Cuba, tile vaulting is now being taught in the Escuela Taller Gaspar Melchor, a training center in Havana’s historical center. Cuba’s vaulted architecture reflects the relationship between necessity and invention, a process that many people mistakenly think of as automatic. It isn’t. It is a relationship based on perseverance, trial and error and, above all, passion.

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Stillwater NewsPress • Wednesday, November 24, 2021

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n St. Monroe St. Jefferson St.

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wbric

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land Ct 18th Av. . Ja Lind a Lou Ct. Loper Billin gslea Ln. Ct.

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Dr.

Cr.

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Stillwater NewsPress • Wednesday, November 24, 2021

Frontage Road 7th Av.

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d Dr.

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coln

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t Dr. nw hurs r. Gle D

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te Sta

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ore

w illo

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Ct.

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age

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gate Dr .

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North

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St.

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