December 10 Real Estate Weekly by Stillwater News Press

News Press Stillwater

REALESTATE W e e k ly

December 10, 2020

2.72% As a result of low rates, homebuying activity is at its highest level since 2006, NAR says.

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Stillwater NewsPress • Thursday, December 10, 2020

More homeowners buying ‘umbrella’ policies for extra insurance protection A standard homeowners policy sometimes doesn’t provide enough to shield against certain types of large claims. DEAR DAVE: My wife and I don’t feel “rich,” but we have about $200,000 in equity in our home and a sizeable amount of money in a retirement fund and other investments that we cannot touch for several years. Our insurance agent has suggested that we buy a $1 million “umbrella” insurance policy to protect our assets in case we ever get sued. Is buying an umbrella policy a good idea? ANSWER: Based on the information that your letter provided, getting an umbrella insurance policy would likely be a wise decision. A growing number of homeowners are purchasing umbrella liability coverage, in part because the cost is relatively low and jury awards in even the most ridiculous lawsuits have been skyrocketing. Coverage from an umbrella policy usually takes affect if you’re hit with a claim that your other insurers will not pay or if the claim exceeds the amount that those other policies provide. For example, if the neighborhood mailman tripped

on your front porch and won a $500,000 judgment but your standard homeowners policy provided only $300,000 of protection, the umbrella policy could help pay the difference. Without the umbrella coverage, you would have to pay the shortfall out of your own pocket or could even be forced to sell the home. Umbrella policies get their name because they can provide protection against many different types of claims. For example, they can often be tapped to pay for a major accident that exceeds your automobile policy’s limits or even if someone successfully sues you for libel or slander. They usually cost a few hundred dollars for the first $1 million in coverage and then $75 or so for each additional million, according to the nonprofit Insurance Information Institute. Though your letter states that you and your wife don’t “feel rich,” the fact that your home is worth a lot more than you paid for it and you have quite a bit tucked away in savings suggests that purchasing an umbrella insurance might be a good idea. Visit the Insurance Information Institute’s website at

ABOUT REAL ESTATE DAVID MYERS www.iii.org to learn more about umbrella policies and other types of coverage. Then, if you decide to purchase a policy, call at least two or three insurers and independent brokers (in addition to the one that you already have) to find the best deal. ••• REAL ESTATE TRIVIA: The 5,965 insurance companies in the U.S. and its territories last year notched an after-tax profit of $61.4 bil-

lion, according to data-analysis firm Verisk. ••• DEAR DAVE: What is “dual agency”? ANSWER: It’s a situation in which one agent represents both parties in a real estate transaction, rather than one representing the seller and another the buyer. ••• DEAR DAVE: Our home is scheduled to be tented and fu-

migated for termites about a month from now. What stuff in our house can stay inside during the fumigation and what items will need to be removed? ANSWER: The company that performs the fumigation – which involves the careful use of poisonous gas – will likely provide you with a list of what can stay and what must be removed, as well as special pesticide-proof bags for the stuff that can stay inside. Pest-control giant Orkin LLC says that food for people and pets alike can remain in the home if they are in plastic, glass or metal bottles, cans or jars – but only if they have the original manufacturer’s

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air-tight seal intact. If they aren’t sealed, they must be removed or put in the special bags provided by your fumigator. Dry goods packaged in plastic bags or cardboard boxes also need to be removed from the premises or put in the special bags, even if they haven’t been opened. These items include cereal, chips, rice and the like. Mattresses sealed in plastic, such as baby mattresses, must be removed or the waterproof covers must be removed or opened. You also should open or remove any plastic covers that you might have on chairs, sofas and other furniture.

Remove all plants from inside the house and any outdoor areas that will be covered by the fumigation tent to avoid damage from the gas. Expect someone from the local gas company to turn off the gas line to your house the day before fumigation begins. And, of course, you’ll have to make plans to stay somewhere else for at least two or three days until the fumigation is over and the air inside your home clears. Contact your pest-control company soon to find out if it has additional suggestions or requests to ensure that you’re fully prepared for the fumigation.

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Spring vegetable garden planning ies of a species. This will work in tandem some or all of these as to incorporate the builds some resiliency with the vegetables each helps to provide crop into the soil four into our crop plan you’ve chosen for a unique but important to six weeks before and increases the particular spot. Here benefits to the soil. planting to give it odds that we’ll have are a couple of examGood cover crops to plenty of time to at least a partially ples. Once it gets too follow your summer begin breaking down. successful crop. hot for your lettuce harvest include those Excellent resourcAn important (and or spinach in the late from the cool season es on these topics often overlooked) part spring, follow up with palette such as clover, include OSU Fact of planning is crop a planting of cow vetch, wheat, rye, Sheets HLA-6436 KEITH REED rotation. Rotation is peas, buckwheat, su- or winter peas. No Healthy Garden Soils a key method used to dangrass, or mustard. matter the cover crop and HLA-6004 Garthe year so it’s easy to select a planting that Or a combination of prevent the buildup used, it’s important den Planning Guide. of excess insects and disease. Rotation done properly can also help the nutrient levels in the soil recover so the plants Cole Graves Dolores Lemon Tiffany Aranda Terry Essary can function at peak Realtor Associate CRS, CRB, GRI GRI, CRS Realtor Associate efficiency. There 405-334-3588 Broker/Owner Broker Associate 405-742-6424 405-747-7822 are many different 405-714-1214 www.stw-realestatepros.com downtownstw.com options as to how to best rotate crops de405-372-5151 pending on what you Downtown Office - 723 S. Main Street are growing. Bringing Buyers & Sellers Together .... Professionally While there are Kyle Bottger NEW LISTINGS AND PRICE CHANGES Donna Rhinehart Realtor Associate many ways to apGRI, CRS 2221 W 3rd Ave. - 4bed 2.5bath 2car garage 2654 sq. ft. LOCATION, LOCATION - $274,000 - Amy 405-612-6724 Realtor Associate 4901 W. Crestview- 4bed 2.5bath 3car garage 2940 sq ft-$475,000-Lori proach rotation, 405-612-0509 5607.1A S. Mehan-15 acres m/l Just North of 68th 7 Mehan-$127,500-Tiffany here’s a solid base 5607.1B S. Mehan-12 acres m/l Just North of 68th & Mehan-$100,200-Tiffany plan to get you start5607.1C S. Mehan- 14.5acres m/l Just North of 68th & Mehan-$121,075.-Tiffany 5615 W. 7th-3bed 2bath 2car garage 2094 sq ft-$247,000-Don ed. Determine which 4220 W. Prescot Dr.-3bed 2bath 2car garage 1315 sq ft-$214,888-Ann of these four catego3715 & 3717 W. 15th - Investment Property Duplex 2bed 2bath - $168,000 - Dolores ries your crops belong 810546 S. 3450 Rd. Agra OK.- 160 acres of Rural Paradise Barn/Pond/Hunting-$750,000-Kyle Melissa Woods 8300 N. Sangre, Stw. - 3bed 2.5bath 2car garage/Barn/40 acres m/l - $575,000 - Lori Jack Allred to. Legumes-peas, GRI 7110 Norrie Ln., Stw. - 4 10acre tracts or 40 acres - $400,000 - Lori Broker Associate Realtor Associate beans, edamame, 405-747-8647 302 S. Main, Agra - 3bed 1bath 1.5stories Large Lot - $38,000 - Kyle 405-385-2035 etc.; Root-onions, tur306 N. Carney, Carney - WHY PAY RENT? 2bed 1bath 993 sq. ft. - $42,000 - Kyle 4711 Deerfield Dr., Stw. - Unique One Of A Kind 63.77 acre ESTATE - $3,999,000 - Dolores nips, carrots, garlic, 5921 Gunnar Springs, Stw. - BETTER THAN NEW 4bed 2 bath 2257 sq ft - $345,900 - Lori etc.; Fruit-tomatoes, 916 W. Choctaw Ln. - 4bed 2bath 1849 sq ft - $190,000 - Ann peppers, cucumbers, 321 W. Broadway, Drumright - 4bed 2bath 1852 sq ft Historic Drumright OK - $92,500 - Kyle squash, etc.; and 4 S. Grant, Tryon - 2bed 1bath 1car garage 1272 sq ft - $71,500 - Kyle 1601 E. 4th, Stw. - 3bed 2bath 1car garage 996 sq ft UPDATED - $123,500 - Ann Leafy-greens, herbs, Jennifer Oliver Amy Parsons 6020 Laquinta Dr. - Oak Tree in Edmond 5bed 4.5 bath Pool - $710,000 - Tiffany GRI cabbage, etc. Each GRI 1505 N. Council Creek, Glencoe - 3bed 2bath 1454 sq ft on 40 acres m/l - $299,900 - Lori Realtor Associate Realtor Associate season, move your 207 E. Maple Ave., Perry - 2bed 1bath 1 car garage Storm Shelter 1131 sq ft - $78,500 - Dolores 405-612-4984 405-714-0882 3337 W. Charleston Ct. - Nice lot in Berry Creek a gated community - $39,900 - Donna group planting to 0000 E 56th - 81.10 acres m/l ¼ mile West of Rose Rd - $308,000 - Lori the next spot in the 2707 W. 44th - 15.86 acres Will Divide Look for signs West of Western - $317,000 - Lori garden in this order: Cedar Oaks & 19th - 7.48 acres m/l in City Limits - $350,000 - Lori 3317 E 6th - Commercial Buildings Great for Restaurant - $649,000 - Melissa Legume > root > fruit 6019 S Country Club Rd. - 60 acres ready for you to build. - $550,000 - Tiffany > leafy > and back to 13th & West - 25.94 acres in the city limits zoned ag. - $120,000 - Dianna Lori Kastl legume. 0000 S. Country Club Rd. - 20 Acres on Paved Road - $200,000 - Ann Ann Morgan CRS 5706 W. Garden Pointe - 3bed 3bath 2car garage 1.5 story 2754 sq ft - $439,900 - Donna Another often Realtor Associate Realtor Associate 3919 W. Rutledge Dr. - 5bed 3.5bath 3715 sq ft DON’T MISS THIS ONE! - $559,000 - Ann 405-614-9600 405-880-2844 overlooked garden 1605 S. Aetna - 1.19 acres m/l in TOWN Just think what you could do! - $25,000 - Ann practice is the idea 4717 S. Turtle Pond Ct. - Great ½ acre m/l Lot for your building pleasure - $45,000 - Tiffany of using cover crops 6800 W 68th - 70 acres at 68th & Western Split your way! - $525,000 - Lori N. Washington Rd. - 151.8 acres m/l OH the Possibilities! - $2,352,900 - Lori (also call green maRoka Hidden Lake - lots with Lake view - $75,000 - Lori nure crops) during Roka Hidden Lake - Lots ready for building - $50,000 - Lori the off season. DifferW. Allyn Ave. - 11.46 acres m/l - $400,000 - Lori Don Zhao Dianna Norman ent cover crops can be Realtor Associate OPEN HOUSE SUNDAY 12/13/2020 Realtor Associate grown at any time of 4723 W. Santa Fe Ct. - $316,900 - Donna - 1-2 PM 202-848-2120 580-761-3926

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Stillwater NewsPress • Thursday, December 10, 2020

The arrival of the 2021 seed catalogs serve to remind us it’s time to get serious about planning for next year’s vegetable garden. If you’re a gardener that knows exactly what you want, it is fair to say that planning (and ordering seed) sooner than later would be a good idea. All indicators suggest we are setting up for a repeat of last year with a booming interest in home gardening. It looks like the seed market will be tight once again. Begin by dusting off this year’s garden journal to see what worked and what didn’t work for you. In the cases of crops that didn’t work, think about why they may have failed as a first step to taking corrective action for next season. Weather is critically important to a successful garden and it’s consistently one of our biggest challenges. While we are limited in how we protect against weather failures, we are not completely defenseless. For example, if you lost certain species to a specific disease (powdery mildew on peas is a great example), look for varieties that have been bred for resistance to that problem. Since we are never sure what challenge might face us in an upcoming season, it’s always a good idea to plant multiple variet-

Insights distilled over 25 years Saving, investing, taxes, credit and insurance – it’s alThe importance most like personal of money has less finance was confusto do with affording ing on purpose. the newest iPhone Sometimes, it is. or measuring caI had the privireer success, and lege as a financial far more to do with journalist to figure the core of being out some of it by human: freedom, interviewing smart ego, stress and rela- people about money tionships. for the next 25 How we use and years – through the think about money dot-com bubble of – not just accumu2001, the housing lating lots of it – bubble of 2008 and literally can deterthe pandemic of mine our happiness 2020. during the roughly Here are 10 30,000 days many things I learned. of us are privileged 1. IT WILL to be alive. RAIN Those are a few of If the COVID-19 the big-picture inpandemic taught sights I learned in us anything, it’s 25 years of writing that bad stuff hapabout money. pens, no matter In 1995, some of who you are. A the last millennials rainy-day fund is were being born, a fundamental to jury said O.J. Simp- keep us financially son was not guilty safer in case of an and “Toy Story” unexpected large played in theaters. expense, job loss or It’s also the year even globe-ravaging I became business viruses. Start with news editor at a $500 squirreled daily newspaper away and aim to in Pennsylvania, build it to three where I started ed- to six months of iting guest columns living expenses. written by local Breadwinners die, financial planners people get sick and and stock brokers. cars crash. You I quickly became also need the right fascinated with the insurance to keep baffling world of you from financial personal finance. ruin. How could I 2. MARKETING graduate from MATTERS college – with a Advertising existbusiness degree, no ed 25 years ago, but less – and still not not on a computer know the basics of in your pocket that how money works you look at 100 for real people in times a day. And the real world? not with ads targetBy Gregory Karp

Stillwater NewsPress • Thursday, December 10, 2020

NerdWallet

ing you as an individual. Temptation to buy has never been greater thanks to the evolution of technology and social media. 3. SCORE A GOAL The antidote to the poison of constant marketing is having a reason to say no to temptations. You do that by establishing financial goals. That doesn’t just mean the far-off “saving for retirement.” It could mean saving for a trip to the Bahamas. You know, when people get back to traveling to the Bahamas. 4. WHERE GOALS LIVE To help set goals, review your calendar and bank statements. Where you spend your time and money is who you are. Time and money are what you change to become who you want to be. 5. BUDGETING IS OVERRATED There, I said it. But if you’re not going to create a household budget, at least regularly examine your past spending and categorize it. Financial websites and apps can help. Money leaks will be obvious, as will ideas for intentional spending. 6. THE LEDGER HAS TWO SIDES You can’t out-

earn dumb spending and you can’t nickel-and-dime your way to prosperity. When it comes to money management, you have income and outgo. The rest is just details. On the other hand, it really helps to know some details. 7. TIME-FORMONEY IS A FAIL Most people cannot get ahead solely by trading their time for money at a job. Instead, your money needs to make its own money. You can’t do that with minuscule bank interest anymore, so it means investing. 8. WHERE CREDIT’S DUE In 1995, you couldn’t even look up your credit score or see your credit reports. Now, you can and should. Poor credit means you could be denied for not only a loan

or credit card but also for a job or an account with the electric company to turn the lights on. 9. RIDE TO PROSPERITY If you’re vigilant with only one purchase in your life, make it your next car. New cars, especially luxury brands, are wealth-repellent to all but the richest among us. That’s because of high new-car prices and their wicked depreciation, not to mention interest if you’re financing it. Buying used is far better advice now than in 1995, when that often meant “buying someone else’s problems.” Today, used cars are far more dependable.

10. IT’S UNFAIR Money smarts are insufficient to overcome some financial woes: stagnant wages coupled with rocketing costs for health care, housing and education, to name a few. And some careers simply don’t pay as much as others, despite requiring similar skills. That leads to different money problems and opportunities for different people. And yes, economic inequities also exist by race and sex. That means those with extra can be sloppier with money. Those living closer to the margin? They are forced to make better money decisions every day.

This column was provided to The Associated Press by the personal finance website NerdWallet. Gregory Karp is a writer at NerdWallet. Email: gkarp@ nerdwallet.com. Twitter: @spendingsmart. RELATED LINKS: NerdWallet: How to start investing: A guide for beginners https://bit.ly/nerdwallet-new-investor-guide Insurance Information Institute: The basics https:// www.iii.org/insurance-basics Federal Trade Commission: Free credit reports https://www.consumer.ftc.gov/articles/0155-free-credit-reports

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Key takeaways from the jobs report AP Economics Writer

unemployed now acjobs in November, the count for about 37% most in any month of America’s jobless. since 1997. That’s the highest WANTED: such proportion since CONSTRUCTION 2013. WORKERS RETAIL’S TURBuilders added MOIL PERSISTS 27,000 workers last Retailers are conmonth, on top of tending with a fall-off 72,000 they added in in walk-in traffic and October and 35,000 intensifying competi- in September. tion from e-commerce Fueled by reas Americans stay cord-low mortgage home. It showed last rates and pent-up month: Retailers demand from homeshed nearly 35,000 buyers, the housing jobs. They now emmarket is defying the ploy 550,000 fewer coronavirus. Home people than they did construction rose in February. The 4.9% in October after coronavirus crisis has climbing 1.9% in Sepforced a number of tember. well-known retailers Sales of existing to seek bankruptcy homes have risen for protection, including five straight months. Brooks Brothers and In October, sales hit J.C. Penney. their highest level Conversely, the since February 2006, surge in online shop- which was not long ping has sparked a before the housing hiring boom at ware- -3bust that triggered 1 houses and trans-un. the 2007-2009 Great S n portation companies: Recession. Ope145,000 They added GAINS FOR

BLACK AND HISPANIC WORKERS Last month, employment grew by 136,000 jobs for Black workers and 83,000 for Hispanics but fell by 508,000 for whites. (The racial breakdown comes from a survey that is separate from the one that showed the economy gaining 245,000 jobs last month; the two surveys sometimes diverge from month to month.) Moreover, 662,000 whites and 33,000 Hispanics dropped out of the labor force last month, while 48,000 African Americans jumped in. Still, the unemployment rate remained much lower in November for whites compared with the others: 5.9% unemployment verNew sus 10.3% for Black workers and 8.4% for Price! Hispanics.

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tions a day, up from UNEMPLOYgains since April fewer than 35,000 MENT FELL FOR have come from three months ago. WRONG REASON businesses recalling States and localities The unemployment workers they had Evidence was are imposing curbs rate declined to 6.7% furloughed when the abundant in the on business and last month from pandemic struck. The November jobs repersuading more 6.9% in October. It’s trend continued last port that the U.S. Americans to stay the lowest rate since month. The number economy’s tentative home, which means the outbreak struck of Americans on temrecovery is sputtering less money spent and in March. But the porary layoff dropped as coronavirus cases fewer jobs needed. explanation was not by 441,000 to fewer accelerate and federal What’s more, 9 encouraging: 400,000 than 2.8 million, aid runs out. million people could Americans stopped down from a peak of Hiring slowed lose all their unemworking or looking for 18.1 million in April. sharply. Hundreds of ployment benefits the work in November. But permanent job thousands of people day after Christmas Because those peolosses continued to gave up looking for – unless Congress ple weren’t actively pile up. That suggests work. The proportion approves a rescue aid looking for a job, that the coronavirus of the unemployed package before then. they weren’t counted recession will leave who have been jobNegotiators on Capas unemployed. In lasting scars on the less for at least six itol Hill are seeking fact, 74,000 fewer job market. The nummonths rose. an agreement. Americans told the ber of Americans who All told, the Labor “The American Labor Department regard themselves Department said labor market hit a they were employed as permanently laid Friday, employers major speedbump last month. The prooff rose by 59,000 to added 245,000 jobs in in November due portion of adults who 3.7 million, up from November – the fewto the second wave are either working just 2 million in April. est since April, the of the coronavirus,’’ or looking for work And the number of fifth straight monthly Sal Guatieri, senior – what economists people who’ve been slowdown and well economist at BMO call the labor force out of work for six short of the gain Capital Markets, participation rate – months or more economists had been wrote in a research dropped to 61.5% last rose last month by expecting. note Friday. month from 61.7% in 385,000 to 3.9 milBack in March and Here are five takeOctober. lion – more -3 than four April when the virus 1April’s . aways from the NoJOB LOSSES times 939,000. n slammed the econoSuThese long-term vember jobs report: Many of the job n my, the United States Ope lost a staggering 22 million jobs. It’s been clawing them back ever since — but at an ever-diminishing rate: 4.8 million added jobs in June, 1.8 million in July, 3903 W. Eagle Creek Ave. 1.5 million in August, $525,000 711,000 in September, 610,000 in Oc4BR, 4BA, 4,231 sq. ft. tober and 245,000 in Denise Talley November. Total it all up and Join us for holiday refreshments and a viewing of this magnificent stone & rock home! the American econoLuxury vinyl wood floors throughout, extra large kitchen, stainless appliances, center my is still 9.8 million island and lots of storage. The theater room and backyard are a can't miss! short of the jobs it had in February. Meantime, the viral outbreak keeps worsening. The nation is now suffering 911 S. MAIN STREET an average of 189,000 (405) 332-5553 • kwstillwaterok.com new confirmed infecBy Paul Wiseman

As some pandemic aid ends, what’s next? for federal student zero. Some private loans, stopped colstudent loan lenders lections on defaulted are extending their loans and set interest pandemic related Americans who rates at 0% in March. forbearance on a struggled through case-by-case basis, 2020 could face more This relief period concludes at the end Kantrowitz said. In hardship in the year of the year, unless the case of federal or ahead as pandemic related payments and extended by the gov- private student loans, ernment. he suggests borrowprotections come to Loan servicers are ers ask their lender an end. expected to start con- about their options. Expanded unemtacting borrowers in EVICTIONS ployment benefits A moratorium will cease by the end early December about resuming payments, put in place by the of the year, reducing Centers for Disease much-needed income said Mark Kantrowitz, a financial aid ex- Control in September for as many as 12 pert with the website that protects certain million Americans. Federal eviction pro- Savingforcollege.com. renters from eviction If you don’t hear expires at the end of tection will expire anything, contact the year. as well. And student It only applies to loan payments, which your servicer to find out about the status renters who earn had been paused of your loans. less than $99,000, or since March, are If a borrower is $198,00 for couples, scheduled to resume unemployed or othwho are unable to in January. erwise unable to pay rent because Meanwhile, the resume payments, of COVID-19 hardpandemic shows no they can seek an ships and can affirm signs of abating and economic hardship they would become broad distribution of deferment, unemhomeless if they are any vaccine is likely ployment deferment evicted. months away. Both or a forbearance – all A patchwork of fedsides in Congress of which will result eral, state and local have shown interest a new relief package, in a further pause in eviction moratoriums payments. There are has not kept everyone they’ve been unable also income-driven from being kicked to reach an agreerepayment plans, out of their home, ment and time is which base the size of however. The Evicrunning short. THE RE/MAX SIGNATURE EXPERIENCE a monthly payment tion Lab at Princeton Here’s what youprofessionals Dedicated providing unrivaled service. on a percentage of University has been should know about your discretionary tracking evictions the changes ahead income.Cheryl ForCarpenter those in 27 cities and says and how to cope: Gina Killough Martin more than 151,000 STUDENT LOANS whose income is less than 150% of the pov- evictions have taken The U.S. DepartVicky Jerome monthly place during the panment of Education Ted Newlinerty line, the loan payment will be demic. suspended payments By Sarah Skimore

Stillwater NewsPress • Thursday, December 10, 2020

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Julie Bahl

StillwaterHomeTeam.com 405.762.3744

ceased them because of an improvement in employment. Anyone who has exhausted their traditional state benefits should ask their state employment agency if extended benefits are available. A separate application may be required, said Michele Evermore, senior policy analyst at the National Employment Law Project. Additionally, the Pandemic Unemployment Assistance program – known as the PUA – allows self-employed, parttime workers and others who aren’t typically eligible for unemployment to receive payments. It has enabled millions to get aid but those who have exhausted their PUA payments have no alternative. The Century Foundation estimates that 12 million people will be on PEUC or PUA when it expires on Dec. 26. The nonpartisan think tank estimates that

2.9 million of those running out of PEUC will be able to collect extended benefits in 2021. Beyond that, the foundation estimates 4.4 million workers will have already exhausted benefits under the federal virus relief package before this cutoff, sending into the new year with little or no aid. The economy has improved but the unemployment rate is still 6.9%, below its peak but a far cry from the pre-pandemic rate of 3.5%. And the full impact of a third wave of COVID19 cases has yet to be seen. “Sadly, after this cliff, there just isn’t much for people.” said Evermore. “Food pantries, the other frayed components of the safety net, high interest loans like credit cards or pawn shops – people are going to have nowhere to turn in the dead of winter during a pandemic.”

OPEN HOUSE SUNDAY 1-3 P.M.

THE RE/MAX SIGNATURE EXPERIENCE

BethPetersonHomes.com BrooksThomasRealty.com GinaKilloughHomes.com th 405.880.4370 405.880.3476 405.612.2210 2618 Lyndsey Ct.

Experts are expecting a wave of evictions ahead as moratoriums expire and back rent becomes due. Anyone who is struggling to pay rent, unable to pay or is behind in payments should contact their landlord or property management company to discuss their options. They may be willing to negotiate. Renters should also find out what local protections they have, if any. Th e Eviction Lab maintains a list of local and regional actions to protect eviction of renters. If you are on the brink of eviction or already facing action, consider legal help. The Stanford Legal Design Lab along with Pew Charitable Trusts, has a user-friendly website to inform renters about their rights and options. Just Shelter, a tenant advocacy group, offers information on local and national help for renters in distress. The Consumer Financial Protection Bureau and the National Low Income Housing Coalition both have

1122 Swim Vicky Jerome 1-2:30 p.m.

709 S. Ridge • $195,000 Wonderful 4 bedroom, 2 bath home on large lot with fantastic location, close to campus. Large living room, with pot belly stove, and refurbished hardwood floors, new countertop in bathroom, new laminate flooring in kitchen, updated paint with retextured walls and ceilings, storm shelter, small basement. New ceramic flooring in one bathroom. Storage building and nice sized backyard. Becky Blessen

CRS, GRI 405-742-7555 becky@teamstillwater.com 602 S. West St., Suite A Stillwater, OK 74074 405-372-8326 www.teamstillwater.com

Find your next home with ease in Real Estate Weekly in print or the E-Edition every Thursday.

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News Press Stillwater

Stillwater NewsPress â&#x20AC;˘ Thursday, December 10, 2020

More than ever, home is where you live, laugh, love, work and play.

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Yost Rd.

To Cimarron Turnpike

McMurtry Rd.

Chateau Ct.

Duncan

Nancy Lee Dr.

Hartford

Evergreen

Perkins Rd.

Knoblock St.

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

22nd Av.

Payne St.

16th Av.

Main St.

Husband St.

Knoblock St.

t. is S Lew

32nd Av.

Lowry St.

Main St. 37th Av.

34th Av.

35th Av.

Fern St.

West St.

Pioneer St.

35th Av.

36th Av.

37th Av.

44th Av.

Vista Ln.

44th Av.

Hunters Cr.

Dr. Deerfield

s Wild Turkey Pas

Vista Ct.

Red Rose Dr.

Cottontail Ln.

Jardot Rd.

Perkins Rd.

Husband St.

Timberline Dr.

Washington St.

Sangre Rd.

Western Rd.

Forest Trail Ct.

177

Katy

S. Westchester St.

Henderson St.

Hightower St.

Denver Ct. Denver 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.

33rd Av.

Av.

Lydia Ln.

29th Av.

32nd Av.

3rd Av.

5th Av.

17th Av.

26th Av.

31st Av.

2nd Av. 4th Av.

Jardot Rd.

Ransom Dr.

Dr.

177

30th Av.

Dr.

Pos Pinewood Cr.

ow Hight

Oakwood Dr.

9th Av.

24th Av.

Mar Vista St. 28th Av.

Denver St. er St.

Jardot Rd.

Payne St. Payne St.

7th Av.

25th Av.

Timbercrest Cr.

4th Av.

19th Av.

22nd Av.

Timbercrest Dr.

Wedgewood Dr.

Blair St. Payne St.

Eastern Av.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

Skyline St.

Young St. Jardot Rd.

Wedgewood Ct. Wedgewood Dr.

Skyline Ln.

Virginia Av.

Blair St. Stallard St.

Hall St.

Leigh St.

Burdick St.

James Ct.

ott

Aetna St.

Chester St. Fern St.

Alc

Pennsylvania St.

Hartford St.

Lowry St.

17th Av. 18th Av.

Cedar Ct.

Matthews Av.

3rd Av.

Hartford St.

Lowry St.

Chester St.

Fern St.

15th Av. 16th Av.

Connell Ct. Connell Av.

12th Av.

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

Springfield St.

Lowry St.

Lewis St. Lewis St.

Husband St. Husband Pl.

Main St.

Duncan St.

12th Av.

Payne St.

Canyon Rim Dr.

Skyline St.

Briarwood Dr. Manning St.

Manning St.

Donaldson St.

Grandview St.

Burdick St.

Grandview Ct. Grandview St.

Manning St.

Su nn nn y yb Ct bro ro . ok o

Benjamin St.

Dryden St.

Berry Ct. Arrington Ct. Arrington Dr.

Hartford St. Dryden St. Redbud Ct.

Perkins Rd.

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

Stallard St.

Hartford St.

Dryden St.

Park Dr.

Star St.

Lewis St.

Hoke St. Husband St.

Masin St.

Duncan St.

West St. West Bl.

Duck St.

West St.

Hester St.

Knoblock St.

Washington St.

Ramsey St.

Benjamin St.

Park

Pa rk Sta Dr. rD r.

d Dr.

Main St.

Duncan St.

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

Knoblock St.

Hester St.

Ramsey St.

Monroe St. Jefferson St.

Adams St.

Birchwood Ct. son Ct. Wedgewood

Whitney Ct. McElroy Rd.

Young St.

Park Dr.

Star Dr. Dr. Park Cr.

Keller Dr.

Husband St. r. dD an sb

Crescent Dr.

Husband St.

Ramsey St.

Hester St.

Washington St. Bellis St.

Hester St. Knoblock St.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

Monroe St.

Crescent Dr.

Ramsey St.

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

Garfield St. Clevelan

Stanley St.

Pine St.

Gray St.

Blakely St. Teal St.

Bluestone St.

Willis St.

Silverdale

Summ erlin Ct. Bridlew ood

Han

Karr Ct.

21st Av.

26th Av.

Cambridge Dr.

11th Av.

Pl.

8th Av.

9th Av. 10th Av.

Walnut St.

t Dr.

Augus

Oxford Dr.

Legendary Ln.

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

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

Walnut St.

Orchard St.

McDonald St.

Willis St.

Western Rd.

Ln.

Celia

August Dr.

Surrey Dr.

Dr . in Elv

Cedar Ct.

Ct.

Redbud Dr.

7th

7th Av.

Murray Ct.

rD eda

4th Av. 5th Av.

5th Av.

8th Av.

k Ln.

Black Oak Dr.

3rd Av.

er om

Eagle Summit

August Dr. Cambridge Ct.

24th Av.

mit

Elm Av.

4th Av.

21st Av. 23rd Av.

Sum

Maple Av.

19th Av.

22nd Av. 23rd Av.

McElroy Pl.

Arrington Dr.

7th Av.

12th Av.

11th Pl.

Connell Av.

Maple Av.

Brooke Av.

Sunrise Av.

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

Hanson

Elmwood Cr.

Elm Av.

Krayler Ave.

Rocky Ridge

dge D r. Fox Le

Kerr St.

d St.

McFarland St. . Kings St

Kings St. Orchard St.

Willis St.

e D Ridge Dr. r. Willis St.

Ridge Dr. Rid g

McFarland St. Kings St.

Western Rd.

Dr.

Wicklow St.

Devon St.

Devon St. Wicklow St.

7th Av.

Arbor Cr.

e Roc

n St.

one D

st Wood

Fountain View Dr.

5th Av.

Will Rogers Dr.

Camden

Virginia Av.

University Av.

Saddl

Country Club Rd.

Ct. . nery ock Ln R dle Sad

Ln.

Shin

Park

Doral Ln.

44th Av.

Turtle Pond Ct.

18th Ct.

24th Av.

Quail 25th Av. Ridge Ct.

Miller Av.

6-7

Dryden Cr.

Hall of Fame Av. Mathews Av.

Lakeview Rd.

Fountain View Ct.

Helena Hts.

22nd Av.

Cantwell Av.

Scott Av.

Emma Swim Ave.

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

Connell Av.

Morrill Av.

31st Av.

Woodland Trails Dr.

Pheasant Eagle Creek Ave. Ridge Ave.

18th Av.

20th Av. 21st Ct.

29th Ct. 30th Av.

Inverness Ln. Deer Crossing Dr.

Black Oak Dr.

k Dr.

17th Av.

n. eL

Cantwell Av.

13th Av. 14th Av.

15th Av.

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Sawgrass St.

Willow Park Cr.

Black Oak Dr. Countryside Dr.

St.

low

Isabell Pointe Dr.

eld

Wil

Lyndsey Ct.

erfi

Fox Ledge Ln.

32nd Av.

Culpepper

Savannah

Bristol Rd. Av. 24th Av.

Fox Ledge Dr.

Aloysius Cr.

Ridge

Pioneer St.

Sangre Rd. Murphy St. Fairfield Dr.

Hillside St.

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

Windsor Dr.

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

Westridge St. Hillside Ct.

Fairfield Dr. Mansfield St. ge Ct. Cedar Rid

Tanglewood Cr.

Iba Dr.

Oak Trail Dr.

Wentz Ln. University Cr.

Glenwoo

Lincoln St. Liberty Ct.

Ivy Ct.

Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Country Club Rd. Abbey Ln.

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

Oak Ridge Dr. Basin Ridge Dr. e Dr. Ridg lue Charles Dr. Sprin B gdal Wo e Dr. odc re 11th Ct. st Dr. Edgemoor Dr.

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

. Rd ge

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Walking Tr

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Knotts Av.

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19th Av.

Fox Ledge Ct.

Briarcreek Dr.

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

Washington St. Ramsey St.

Airport Ln.

Monroe St.

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Preston Liberty Cr. Cr.

Airp ort Ind ustr ial A c

Valley Dr.

Mark Circle

Charolais Dr.

Warren Drive

Valley View Bradley Pl. Sangre Rd.

Keely Ct.

Range Rd. Crosswinds

rook St.

Stoneyb

Cree

lder Bou

ge drid W oo

Range Rd.

18th Ct.

18th Av.

eS nic

Austin Ct.

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

Shadow Creek Ln.

Scissortail Dr.

Stillwater NewsPress • Thursday, December 10, 2020

Persimmo

18th Av.

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

St. Tyler Av.

Scott Av.

Lauren Lane

Keller Dr. Lakeview Ct.

Dells Av.

Wiley St.

kor

Lou Ct

Loper Billin gslea Ln. Ct.

10th Av.

3rd Av.

wbric

Chapel Hill

St.

Mercury Av.

Liberty Dr.

d Dr.

Hic

Westbrook Ct. 15th Av.

Yello

Cove

Gle

Osage

Gle Dr.

woo

w illo

Ct.

Ashton Ave.

land Ct . Ja Lind a

Summer Hill Ct. Germaine Ct.

ntry

Sunset Av. University Av.

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

Country Club Dr.

Charring Cross

liff

Crestview Ct. Cowboy Ct. High

Woodlake Dr. Deer Creek Ct.

Canterbury

Bria

Murphy Dr.

Ashbury

o Wo Crestview Av.

Richfield Ct.

Dr.

Kenslow Dr.

ire vonsh

n dla

rfie

Franklin Ln.

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

Arrowhead Pl.

Arrowhead Av.

5th Av.

Aggie Dr.

d woo

Durham Ct. Ashford Ct.

Admiral Av. Sherwood Av.

4th Av.

Prescot Dr.

gle Tan

VillasCt.

8th Av.

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

Fairway Dr.

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177 Ct. Av. uita rgia Chiq d Ct. Geo woo Wild Dr. Brentwood Dr. n 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.

coln

Lin

Thomas Av.

Wild

Frontage Road 7th Av.

11th Av.

Rd.

Dr.

aks

O den

Hid

Cr.

5th Pl.

e Ridg Oak

Oakdale

5th Av.

Pecan Lake Av. Trenton Ct. Pecan Trail Ct.

mer

Scott Av.

Miller Av.

Virgina Av.

Pecan Hill St.

Hall of Fame Av.

2nd Av.

10th Av.

Brooke Jefferson St.

Eskridge Pl.

lha

Wil

Harned Av.

Mohawk Av.

Lak

Boo

McElroy Rd.

1st Av.

9th Av.

. Dr

Reese Landing

Tyler Av.

Eastland Dr. Marcus Dr.

Swim Av.

oke r. Brollow D Ho

Tyler Av.

Walnut St.

Oak Crest Rd.

8th Av.

Boomer Lake

Osage Dr.

Knapp

Farm Av.

7th Av. 8th Av.

Parkway Dr.

Brooke Moore Franklin

Vena Ln.

8th Ct. 9th Ct. Trenton Av.

te S

Hereford Dobi Ln.

Airport Rd.

Newman Av.

Hillcrest Av.

Liberty Rd. Preston Av.

Lakeview Rd.

Eskridge Av.

Dr.

Lakeridge Av.

Rutledge Dr.

Windmill Ln.

177

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Memory Ln. Country Ln.

Airport Rd.

ore

Tobacco Rd.

Preston Ln.

State Ln.

Cheyenne Av.

illo

Av.

Sta

Liberty

Arapaho Av.

Newman Av. Hillcrest Av. Brown Av.

Win

3rd Av.

Quartz Dr. Richmond Hill Rd.

Washington St. Garfield St.

Hunters Ridge

Cherokee Av.

Dr.

sse

Ute Av.

Lake Sh

Lisa Ct. Lori Ct.

4th Av.

Cla

Rogers Dr.

Harned Av.

Windsor Cr.

ers

Rog

Hartwood Av.

age

Richmond Rd.

Britton Ct. B Dr. ritton Greenbriar Cr. Dr. Au d Ma ene D rieD r. r. Greenvale Ct. Ct. side rook

Golf Dr.

Ranch Av.

gate Dr .

St.

Stillwater Municipal Airport

Lynn Ln.

North

Benjamin

Stonecrest Ave.

Stonecrest Ct.

nd Husba

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

Husband Pl. Northgate Dr.

Can

Amethyst Ave.

Falls Dr.

Lakeview Rd.

Ct.

yon

Chateau Dr.

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

3rd Pl.

Topaz Ave.

Chateau Pl. Peaceable Acres Rd.

• All Open Houses are Sunday unless otherwise indicated.

il dm

Burris Rd.

Burris Rd. 177

Week of Sunday, Dec. 13, 2020

Coldwell Banker Team Stillwater 1. 709 S. Ridge – 1-3 p.m. … Becky Keller Williams 2. 1122 Chandler – 1-3 p.m. . . . Kristyn 3. 3903 W Eagle Creek Ave. – 2-4 p.m. . . . Denise Re/Max Signature 4. 407 Topaz Ave – 2-4 p.m.. . . . Candy 5. 2214 W. 26th St. - 3-4:30 p.m. . . Vicky 6. 1010 Swim 1-2:30 p.m.. . . Vicky 7. 1122 Swim 1-2:30 p.m.. . . Vicky Real Estate Professionals 8. 4723 Santa Fe 1-2 p.m.. . . .Donna

Jardot Rd.

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OPEN HOUSEMap

Yost Rd.

Perkins Rd.

Yost Rd.