Real Estate Weekly December 24 by Stillwater News Press

News Press Stillwater

REALESTATE W e e k ly

December 24, 2020

2.71% The 30-year fixed-rate mortgage rate averaged 2.71% this week, holding at the all-time low first set last week, Freddie Mac reported.

Warmest holiday wishes from all of us at Fisher Provence Realtors

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Stillwater NewsPress • Thursday, December 24, 2020

How to check an insurer’s complaint record Savvy homeowners looking for a new insurance policy always check the insurer’s complaint record before signing a contract. DEAR DAVE: We have been shopping for a new homeowners insurance policy. One company is offering a rate that’s far below what other insurers would charge, but we have never heard of the company before, and wonder what kind of service we would get if we ever had to file a claim. How can we check out an insurer’s complaint record? ANSWER: You’re wise to be wary. Too many homeowners and renters choose an unknown insurance company to save a few bucks on their annual premiums, only to find that they get subpar service – or none at all – if they later must file a claim. The best way to check an insurer’s complaint record is to visit the free Consumer Information Source page online operated by the National Association of Insurance Commissioners (www.naic. org). The association is comprised of top insurance regulators

look at the company’s complaint-trend record, which also appears on the free site, to see if it is rising or falling. Then, supplement your background search on the new firm from your own MYERS state’s insurance department or concomplaints to its sumer affairs deU.S. market share of premiums for the partment: Contact specific type of poli- info can be found cy that you want to on the web or under the “State Governbuy. ment” heading in Using a ratio helps to put a firm’s the white pages of your local phone complaint figures book. into perspective, ••• regulators say, in DEAR DAVE: part because it doesn’t penalize the I sold my condominium in August biggest companies for drawing a larger and moved into an apartment in anothnumber of comer state. Last week, plaints from their the accountant for wider pool of custhe homeowners tomers. association that Compare the inran my old condo dividual company’s development sent complaint index to the national median me a letter stating of 1.00. If the firm’s that he had miscalfigure is lower than culated my closing statement and that 1.00, there’s a good chance that you’ll be I still owe the HOA $495 for a special properly serviced if you must eventually assessment that make a claim. But if was levied earlier in the company’s index the year to repave is much higher than the development’s the 1.00 median, it’s community sidewalks. Do I have to a serious warning pay this bill? sign that you may ANSWER: Probbe unhappy if you ably not. When a later ask for reimbursement for dam- home sale is closed and everyone inages to your home volved signs off on or car. It’s also helpful to the deal, that’s it.

ABOUT REAL ESTATE

DAVID in all 50 states, and one of its key jobs is to publish annual statistics on consumer complaints filed against virtually every licensed insurer. Using the Consumer Information Source page is easy. Simply type in the name of the company you want to research, the state where you live and the kind of insurance that you want to purchase. The site separates its data into two primary categories: one for homeowners and drivers seeking property and casualty insurance, and the other for those seeking life, accident and health coverage. The site will provide the insurer’s nationwide complaint statistics within moments. The key is to focus on the firm’s “complaint index,” which shows the ratio of the company’s U.S. market share of

There aren’t any “do-overs” like we had on our elementary-school playground. You might want to voluntarily pay the bill if you agree with the accountant’s letter and would sleep better at night knowing that you hadn’t “cheated” the association out of $495. But legally, it was the accountant’s or closing agent’s responsibility – not yours – to ensure that the HOA was fully paid for any outstanding expenses you may have owed when title to the condo was transferred to the buyer. The homeowners association could technically sue for the $495 in smallclaims court, but it probably won’t bother. The time and expense of filing such a lawsuit likely would outweigh the money a judge might award, and the fact that you now live out of state and rent instead of own could make a judgment nearly impossible to collect. ••• DEAR DAVE: We spent $9,275 to remodel our kitchen in October. Can we deduct the cost on

our next tax return? ANSWER: Probably not. The Internal Revenue Service generally does not allow an immediate deduction for such improvements, unless they are considered a qualified “fixup” expense to get the property sold or were incurred to accommodate a person who is disabled.

If the remodeling job doesn’t fit into either of those two categories, you can add the $9,275 in remodeling expenses to the “tax basis” of the house and thus reduce or eliminate any taxes that might be owed on the profit when you eventually sell. (c)2020 Cowles Syndicate Inc.

Thank You, Customers and Clients, for the privilege of helping you with your 2020 Real Estate and Insurance needs.

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Testing saved seeds HOME GROWN

used, you just need to overplant to compensate for those seeds that are no longer viable. For more information on this or any other horticultural topic, you can contact Keith Reed, the Horticulture Educator in the Payne

County Extension office. During the COVID-19 slowdown, Keith can be reached via email at keith.reed@okstate. edu. To access OSU fact sheets, go to https://extension. okstate.edu/factsheets/ Oklahoma State

University, as an equal opportunity employer, complies with all applicable federal and state laws regarding non-discrimination and affirmative action. For more information, visit http:// eeo.okstate.edu

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

Real Estate Professionals would like to thank our valued customers, clients and friends and wish everyone a Very Merry Christmas and a Prosperous New Year!

St., Stillwater, Oklahoma 74074

Terry Essary Realtor Associate 405-742-6424

Kyle Bottger Realtor Associate 405-612-6724

Melissa Woods GRI Realtor Associate 405-385-2035

Amy Parsons GRI Realtor Associate 405-714-0882

Ann Morgan Realtor Associate 405-614-9600

Don Zhao Realtor Associate 202-848-2120

loose-fitting lid; or you can slip them into a ziplock sandwich bag. The lid helps to slow water loss out of the paper towels. If the paper dries out, the test will be compromised, so don’t KEITH REED overlook this key point. The seeds that doesn’t mean they cannot be don’t need light for this test since the only goal is to test for germination viability. Viable seeds will germinate fine at normal houseCole Graves Dolores Lemon Realtor Associate CRS, CRB, GRI hold temperatures, 405-334-3588 Broker/Owner so do the test in an 405-747-7822 area where it’s convenient. Check each day for germination and to make sure the paper towels Donna Rhinehart remain moist. Some GRI, CRS species will germiRealtor Associate nate quickly and 405-612-0509 at approximately the same time and some will not. For those who tend to germinate one or two at a time, it can be helpful to go Jennifer Oliver ahead and remove GRI Realtor Associate those that germi405-612-4984 nate as this can help keep fungal issues to a minimum. Just remember to count the seeds you’ve taken out so your percentage of germination will be Lori Kastl CRS correct. Realtor Associate It’s extremely 405-880-2844 rare for each and every seed to germinate, so don’t be disappointed if this happens. For most crops, 70-80 percent is adequate. If you do have seeds that Dianna Norman Realtor Associate 723 S. Main show a low germi580-761-3926 nation percentage,

Stillwater NewsPress • Thursday, December 24, 2020

If you are a seed saver/collector and have a tendency to let seeds accumulate, it’s a good idea to check them for viability every few years. Now is a good time to do this in case you need to acquire additional seeds for next season. This is a very simple process, requiring little in the way of supplies or a special environment. The idea is simply to create an environment where the seed can remain moist for several days without being so wet that it rots before it germinates. One easy way to do this is to place a couple of damp paper towels in a glass or plastic container (saucers work well) and place a few seeds on the top. While there is nothing magical about the number of seeds or their placement in the container, most people find it helpful if a specific number of seeds are used. Multiples of 10 placed in a grid pattern make it easy to gauge a quick percentage of germination. Note: if you look at a few seed packets, you’ll notice that virtually no seed offers 100% germination. Cover the seeds with another paper towel and then cover with a

How to discuss family finances in a crisis for Albert, a financial wellness mobile app, experienced a major With 10.7 million disappointment of Americans out of his own: Earlier this work as of November year, he and his 2020 (and 3.9 million wife canceled their of those workers wedding after more unemployed for 27 than two years of weeks or more), planning, opting to many have been elope in his aunt’s forced into having backyard instead. tough money converThough they feel sations as a result of they did the right the pandemic. thing, “we kind of Whenever your life grieved our wedchanges significantding,” Reyes says. ly, it’s a good time “We planned so to check back in on much and worked so your financial plan, hard for one special because things like day.” marriage, divorce, a He notes that it’s new baby or a career OK, even necessary, change can profound- to process those emoly affect your house- tions; burying them hold’s situation and can make it difficult cause you to rethink to meet financial who is responsible goals because you’ll for what. continue to fear the Whether you share unexpected. expenses with a “My wife and I roommate, a partner, were just real with adult children or how we were feelparents, now is an ing,” Reyes says. especially good time He’s seeing plenty to talk about money. of emotional turmoil Here are some ways from clients, too, he to ease into these dif- says. His company ficult conversations. works with people who have been laid FIRST, FEEL off, and those who’ve YOUR FEELINGS lost their jobs may Few are havfeel like they’ve also ing the 2020 they lost part of their thought they’d have, identity and what and no one knows they thought their when normalcy will role was in their return. Mark Reyes, household. a Los Angeles-based “Just because certified financial there’s a lack of planner who works income, or you’re By Sara Rathner

Stillwater NewsPress • Thursday, December 24, 2020

NerdWallet

MILLENNIAL MONEY not earning income, doesn’t mean you don’t have value as a person,” Reyes says. Reyes says his company helps such clients with actionable steps, such as identifying and cutting back on nonessential spending, and considering side gigs as a way to get to the next month. But giving yourself the space to feel sad and angry can also help. Let the process of voicing your worries get you back on the path to setting financial goals and dreaming again. “Bring it back to what’s realistic andpen important to youOin these trying times,” Reyes says. COMPASSIONATELY RENEGOTIATE HOUSEHOLD RESPONSIBILITIES It’s an age-old recipe for resentment: One spouse loses their job, yet the working spouse still carries the larger burden of household chores. Or both spouses work from home while supervising kids in remote school, but one of them feels like they get interrupted more often and can’t focus on their job. (And

conflicts stem from IES WHEN HELPdifficult position to your desire to be un- ING LOVED ONES be in.” derstood by the other FINANCIALLY Rather than prolet’s be real about person, while at the If a friend or famviding open-ended whose work gets same time, you don’t ily member needs help when you can’t interrupted more in understand where money and you’re in afford to do so, offer many opposite-sex the other person is a position to help, to pay for specific couples: It’s the coming from. He you can do them a things, like a month mom.) recommends using world of good at a of rent or three Chores don’t just “I statements” when difficult time. months of electric include cooking and discussing hot-button But this can be bills. Your loved cleaning. Money issues. tough if lending or one gets some relief, management takes “If you say, ‘I’m gifting money means while you cover a time, too, and all adults in a household feeling overwhelmed you’ll struggle to pay predictable expense with the extra for your own expens- you can budget for need to be involved. responsibilities I es. over a set period. According to UBS have now,’ that will “It’s so challenging. “You have to be Financial Services’ sometimes trigger You want to help – firm yet kind,” Ivers Own Your Worth compassion,” Ivers you are helping – but says. “What I would 2020 report, 49% says. “But if it comes you only thought it say is, ‘I can help you of women defer to with finger-pointing, would be a one-time with this particular their spouses when the last thing you get or two-time thing thing for this amount it comes to financial is compassion and . 1-3and now it’s been of time.’ That’s where decisions. New n u empathy.” six months,” Reyes the boundary piece The report also S n Price! says. “That’s a very is.” -3 because of SET BOUNDARfound Ope . 1that n u the pandemic, more S than half of women take care of responsibilities like child care, cooking and cleaning, while nearly three-quarters of men handle the finances. Depending on your household’s situation right now, the division of labor may no longer make sense, Great location south of Walmart. Commercial building on and that means it’s 2.29 acres. 4,000 sq. ft. of office space or day care facility. time for a talk. Of 21-30 parking spaces available. course, these conversations can get See more of this home at www.WeLoveSellingStillwater.com heated. Nathaniel Ivers, an associate profesFisher Provence, REALTORS® sor in the depart(405) 377-1000 ment of counseling Page Provence, CRS at Wake Forest Broker Associate University, believes (405) 612-0194 that interpersonal

811 E. Virginia Ave. • $799,000

States grapple with next steps on evictions By Sara Cline Associated Press

sity. “The consequences of not acting before the expiration of the eviction moratorium would be catastrophic,” said Rep. Julie Fahey, a Democrat from the city of Eugene who helped write the proposal. A main sticking point is that for landlords to receive back rent through a proposed compensation fund, they must forgo 20% of past-due payments. A Republican leader called it “dramatically unfair.” “It’s not right to tell (landlords) that they have to pay to get support when the government is the one who asked them to share this responsibility and bear this burden to keep renters housed, which they have done that,” said Rep. Christine Drazan, leader of the House Republican Caucus. Democratic Senate President Peter Courtney said there will be “some concerns, but I am convinced that we will pass something.” While moratoriums have helped people stay in their homes during the pandemic, experts warn that extending them isn’t a long-term solution. “This is just kicking the can down the road, because it doesn’t actually pay the rent,” Dworkin said. “If a tenant

cannot afford to pay three months of rent or one month of rent, then they are not going to be able to pay nine or 12 months of rent – and they are eventually going to get evicted unless we pay their rent.” He suggests states fund efforts that cover both rent and back payments for landlords. Through October, the National Low Income Housing Coalition estimated states and cities have set aside over $4 billion for rental assistance – far less than what they say is needed. Like Oregon, Hawaii, Nebraska and New Jersey are among those offering payments to landlords for missed rent.

But with states’ tax revenue shrinking during the pandemic and recession, expensive efforts to combat the eviction crisis are further straining resources. “States are under severe stress themselves financially,” Dworkin said. “In many ways, the states are being put in the situation of robbing Peter to pay Paul.” Bowser said delays by lawmakers, locally and nationally, have crippled his family. “All (lawmakers) have to do right now in this situation is the bare minimum to keep people in their homes,” Bowser said. He and his girlfriend, Taylor

Wood, have closely followed updates on possible extensions to state and federal moratoriums as they debate which bills to pay that month and which necessities to sacrifice. They’re desperately developing a plan for what to do if they find an eviction notice tacked to their door in the new year. “It’s frustrating, and I know we are not the only people in this situation – there are thousands like us,” Wood said. “I just keep thinking, ‘Well, (lawmakers) won’t just let us go homeless ... right?’” Cline is a corps member for the Associated Press/ Report for America Statehouse News Initiative.

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an extension of the federal eviction moratorium until February and $25 billion in rental assistance as well as a new round of stimulus checks, bonus unemployment benefits and many other efforts to deliver aid. Eviction moratoriums instituted by 44 states beginning in March have mostly expired. In response, the Centers for Disease Control and Prevention issued the federal moratorium in September that broadly prevents evictions through the end of 2020. The nationwide directive was seen as the best hope to prevent more than 23 million renters from being displaced. Now, some states want to extend eviction bans further than the federal government. Lawmakers in heavily Democratic California are proposing their moratorium last until 2022, as long as renters pay at least 25% of their rent and attest to financial hardship. And a six-month extension is the top issue for the Democratic-led Oregon Legislature in a special session Monday. Its one of 15 states where eviction moratoriums are now in place through year’s end, according to the Eviction Lab at Princeton Univer-

Stillwater NewsPress • Thursday, December 24, 2020

CORVALLIS, Ore. – Ryan Bowser looked somber as he sat in his cramped Oregon apartment, worried whether he, his pregnant girlfriend and her 10-year-old daughter would have a roof over their heads in the new year. It may well depend on state lawmakers. The family is three months behind on the $1,165 in rent they pay for their two-bedroom unit in the college town of Corvallis. Bowser, a custodian at Oregon State University, took eight weeks off because he was sick and couldn’t afford child care. They’re among thousands hoping Oregon extends an eviction moratorium until July 1 in a special legislative session next week. The proposal also would create a $200 million fund mainly to compensate landlords. If passed, it would go further than a one-month extension of a federal eviction moratorium expected in a coronavirus relief package nearing consensus in Congress. “We are forced to make decisions between which bills to pay – rent, car or groceries,” said Bowser, adding that they may have to

sleep in their car, stay on friends’ couches or move to another state to crash with distant relatives. “We don’t know if we will have a home next year.” The plight of Bowser and other renters on the edge foreshadows a national crisis that’s expected to grow next year, with states and cities that granted renters a reprieve amid the coronavirus-battered economy now wrestling with what comes next. While states like Oregon and California are trying to pass much longer moratoriums, some don’t have more protections in the works. “This has the potential of being the biggest housing crisis of our lifetime,” said David Dworkin, president and CEO of the National Housing Conference, a nonprofit dedicated to affordable housing for all Americans. About one-third of U.S. households say they’re behind on rent or mortgage payments and likely to face eviction or foreclosure in the next two months, according to data collected by the U.S. Census Bureau. Eyes are on congressional leaders who are closing in on a massive COVID-19 relief package, including

In public housing, small debt means big trouble By Bryan Gallion, Maya Pottiger, Kara Newhouse, Ryan Little, Trisha Ahmed, Jenna Pierson, Anastasja Kolodziej and Allison Mollenkamp

Stillwater NewsPress • Thursday, December 24, 2020

The Howard Center for Investigative Journalism

CRISFIELD, Md. – Public housing is supposed to be a solution to homelessness, not a cause of it. But in Crisfield, a city of 2,600 on the Chesapeake Bay, the housing authority is one of the leading eviction filers. It files cases against tenants so often that officials hired a contractor to automate the process. The agency owns just 330 units yet filed 718 times in 2019, all over late rent. In nearly 30% of those cases, records show, tenants owed less than $100. What’s happening here isn’t an anomaly. The Howard Center for Investigative Journalism analyzed four years of eviction data for Crisfield and four other public housing authorities with aggressive filing records – in Minneapolis; Oklahoma City; Charleston, South Carolina; and Richmond, Virginia – to find out why these important anti-poverty agencies are taking so many of their clients to court. Late rent payments were by far the leading reason they sought to evict

tenants. In some cases, the debts were so small that it cost the agency more to file the case than was owed. Diane Yentel, the president and CEO of the National Low Income Housing Coalition, said public housing is “meant to accommodate people who are having difficulty paying their rent, because they have very limited incomes to begin with.’’ But the program has been underfunded by Congress for decades, leading some housing authorities to adopt unyielding approaches to rent collection so they can sustain their operations. “If you owe a dollar, you owe a dollar,” said Don Bibb, executive director of Crisfield’s housing authority. Yet for the tenants, many of them single parents with young children, it’s not that simple. In Crisfield, Tawna Thomas, 26, said she cobbled together the cash to stave off court proceedings for her first eviction filing in 2018 — not long after losing a pregnancy and a job. But that didn’t solve the bigger problem. Each month brought fresh worries about how to pay her $138 rent, she said. Thomas, the mother of a 5-yearold, received five eviction filings in an 18-month period, according to court records. Although she

hasn’t been served an eviction notice in 2020, she said she worries that day is coming. Especially when the sheriff’s vehicle rolls up. “My heart starts fluttering every time,” Thomas said. “What if he has a paper for me? How am I gonna pay this?” Federal and state restrictions during the pandemic have temporarily slowed but not halted the pace of rent-related eviction filings, records show. They place the onus on tenants, who typically lack legal representation, to prove they can’t pay due to COVID-19. Some housing authorities use the courts like collection agencies, putting pressure on clients to pay up. The Howard Center data analysis found many tenants with multiple eviction filings in the same year. This practice piles court costs, late fees and interest onto what families already owe in rent. Maryland Attorney General Brian Frosh assailed such use of eviction court. In a Dec. 11 op-ed in The Baltimore Sun, he said he would ask the state legislature to increase the filing fee from $15 – one of the lowest in the country – to at least $120, the national average. Martin Wegbreit, the director of litigation at the Central

Virginia Legal Aid Society, said use of eviction filings “as a collections tool … against financially struggling tenants simply is indefensible.” FLOOD OF FILINGS The U.S. Department of Housing and Urban Development doesn’t keep national statistics on how often housing authorities evict, but frequent filings are not uncommon. The Howard Center picked a handful of local agencies to assess where availability of court records made analysis possible. All are located in communities with high homeless rates, high historical eviction rates or high rents compared to average incomes. These five, which manage more than 14,500 units, took tenants to eviction court more than 11,400 times from 2017 through 2020, resulting in the courts authorizing removal of at least 2,500 households. Record-keeping on evictions differed for each housing authority examined. Here is what the Howard Center found: — The Richmond Redevelopment and Housing Authority, with 3,572 public-housing units, took tenants to court more than 4,100 times. The housing authority won judgments in 2,075 of those cases – one in six of which

was over debts of less than $100. The filings included tenants who had paid their rent in full but owed the agency for other things, such as maintenance, repair and late fees. The authority was using tenants’ rent money to pay off those other claims first. That caused them to fall in arrears on their rent. After advocates challenged the practice, officials agreed in November 2019 to halt evictions while they reviewed and changed their policies. The moratorium remains in place. — The Minneapolis Public Housing Authority, which owns and operates nearly 6,000 low-income housing units, is its county’s largest landlord and a leading eviction filer. It initiated 1,087 eviction cases for nonpayment of rent, accounting for 87% of its filings. The agency says two-thirds of cases end in payment agreements at court that allow tenants to stay. But legal advocates say the authority is using the court to pressure tenants into boilerplate payment plans they often can’t afford. — The Housing Authority of the City of Charleston manages 1,753 units and averages nearly 1,200 eviction filings each year, making it one of its county’s leading eviction filers. It’s common for the housing au-

thority to file multiple eviction cases against the same tenant year after year, and at times within months of each other. Three tenants each had 16 cases against them since 2017, with filings every few months. — The Oklahoma City Housing Authority, with 2,913 public-housing units, filed more than 600 cases, resulting in more than 500 households being forced out. More than half were rent-related. In 2018, the agency started a resident-services division to connect tenants with community resources such as rental assistance. Nonpayment filings dropped by more than 50% from 2017 to 2019. — The Housing Authority of Crisfield has filed 1,756 eviction cases since 2017, all for failure to pay rent. The annual count more than tripled from 2017 to 2019, after a contractor set up an automated system that files against tenants each time they’re late on rent. Although the records are not clear on the outcomes, they indicate that approximately 50 households were forcibly removed. Most settled up or left on their own. Officials at these agencies echoed Bibb’s view that tenants have a duty

to pay rent and evictions are a necessary enforcement measure. “The landlord should expect payment as well as proper care of the premises,” said Donald Cameron, president and CEO of the Charleston Housing Authority. In Minneapolis, “filing for eviction is an extremely costly, distracting, difficult process for the housing authority,” said Jeff Horwich, the agency’s policy and communications director. But court is the only official place to address nonpayment of properly calculated overdue rent, he said. Legal advocates say the housing authority should be doing more to avoid the harm that eviction filings can cause tenants. Even a filing that is dropped or resolved creates a record that makes it extremely difficult to rent other housing.

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Redbud Dr.

7th

7th Av.

9th Av. 10th Av.

Payne St.

Canyon Rim Dr.

Skyline St.

Briarwood Dr.

Manning St.

Dr .

Manning St.

Berry Ct. Arrington Ct. Arrington Dr.

Grandview Ct. Grandview St.

Hartford St.

Hartford St. Dryden St. Redbud Ct.

Perkins Rd. Lowry St.

Lewis St. Lewis St.

Husband St. Husband Pl.

Main St.

Duncan St.

West Bl.

Duck St.

West St.

Knoblock St.

Hester St.

Washington St.

Ramsey St.

Dryden St.

Pa rk Sta Dr. rD r.

Star St.

Hoke St. Husband St.

Masin St.

Duncan St.

West St.

Knoblock St.

Hester St.

Ramsey St.

Monroe St. Jefferson St.

Adams St.

Blakely St. Stanley St.

Pine St.

Gray St.

Walnut St.

Orchard St.

McDonald St.

McFarland St. Kings St.

Willis St.

Han

Karr Ct.

3rd Av.

4th Av. 5th Av.

5th Av.

Willis St.

Benjamin St.

Park Dr. Keller Dr.

Husband St. r. dD an sb

Crescent Dr. Glenwo od Dr.

Husband St.

Main St.

Duncan St.

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

Knoblock St.

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

Evergreen

Perkins Rd.

Knoblock St. Hu

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.

Clevelan

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 Silverdale

3rd Av. 4th Av.

8th Av.

Western Rd.

t Dr.

Summ erlin Ct. Bridlew ood

Augus

Oxford Dr.

Legendary Ln.

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

Crescent Dr.

Ramsey St.

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

Garfield St. Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Western Rd.

Dr.

Wicklow St.

Devon St.

Devon St. Wicklow St. August Dr.

Ln.

Celia

Surrey Dr.

Dr . in Elv

Black Oak Dr.

Murray Ct.

Black Oak Dr.

Cedar Ct.

Ct.

Sawgrass St.

Maple Av.

Eagle Summit

August Dr. Cambridge Ct.

24th Av.

rD eda

Elm Av.

er om

Rocky Ridge

dge D r. Fox Le

24th Av.

mit

Maple Av.

21st Av.

Sum

Maple Av.

19th Av.

23rd Av.

McElroy Pl.

Arrington Dr.

Elmwood Cr.

Elm 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.

Connell Av.

Hanson

7th Av.

12th Av.

11th Pl.

Arbor Cr. 22nd Av. 23rd Av.

Camden

Virginia Av.

Krayler Ave.

Fountain View Dr.

Black Oak Dr. Countryside Dr.

Tanglewood Cr.

Culpepper

Savannah

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

Fairfield Dr.

Fairfield Dr. Mansfield St. r Ridge Ct.

Hillside St.

Westridge St. Hillside Ct.

7th Av.

k Ln.

Country Club Rd.

Miller Av.

Lakeview Rd.

Fountain View Ct.

44th Av.

Turtle Pond Ct.

18th Ct.

e Roc

Isabell Pointe Dr.

5th Av.

Will Rogers Dr.

Dryden Cr.

Hall of Fame Av. Mathews Av.

University Av.

31st Av.

Doral Ln.

Scott Av.

Morrill Av.

Saddl

one D

st Wood

n St.

Helena Hts.

Ct. . nery ock Ln R dle Sad

Ln.

29th Ct. 30th Av.

Woodland Trails Dr.

Pheasant Eagle Creek Ave. Ridge Ave.

22nd Av.

Quail 25th Av. Ridge Ct.

Shin

Park

Deer Crossing Dr.

18th Av.

20th Av. 21st Ct.

erd aV

Lom

k Dr.

Inverness Ln.

Aloysius Cr.

Ridge

Pioneer St.

Sangre Rd. Murphy St.

Shumard Ct. Oak St. W. Shumard Dr.

Williamsfield

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

Iba Dr.

Oak Trail Dr.

Ceda

Charles Dr.

Squires St.

Willow Park Cr.

17th Av.

Cantwell Av.

Connell Av.

13th Av. 14th Av.

15th Av.

n. eL

Cantwell Av.

Emma Swim Ave.

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

Lewis St.

Lincoln St. Liberty Ct.

Ivy Ct.

Mark Circle

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

Abbey Ln. Windsor Dr.

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

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

. Rd ge

ail Dr.

Vil la

Walking Tr

St.

low

Lyndsey Ct.

eld

Bristol Rd. Av. 24th Av.

Fox Ledge Dr.

Park Dr.

Ramsey St.

Airport Ln.

Monroe St.

Land Run Dr.

tD r. W rig h

sR d. ces

Preston Liberty Cr. Cr.

Airp ort Ind ustr ial A c

Valley Dr.

Charolais Dr.

Warren Drive

Valley View Bradley Pl. Sangre Rd.

Keely Ct.

Range Rd. Crosswinds

rook St.

Stoneyb

k Cree

lder Bou

ge drid W oo

Range Rd.

erfi

Wil

Austin Ct.

Fox Ledge Ln.

32nd Av.

Scissortail Dr.

Stillwater NewsPress • Thursday, December 24, 2020

Persimmo

Fox Ledge Ct.

Briarcreek Dr.

10th Av.

Wehr Ln..

Knotts Av.

yP urre

19th Av.

18th Av.

Shadow Creek Ln.

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

Lauren Lane

Keller Dr. Lakeview Ct.

Dells Av.

Wiley St.

Shiloh Creek

r. k D r. r. 15th Av. Old Forest D D roo stb hire ar Charleston Cypress Mill We orks alam Y Sh 18th Ct.

3rd Av.

Scott Av.

Mercury Av.

Liberty Dr.

d Dr.

eS nic

Chapel Hill

Sunset Av. University Av.

wbric

Cove

St.

Gle

Osage

Gle Dr.

woo

18th Av.

Yello

ntry

rst D

ehu

Wild

kor

Lou Ct

Loper Billin gslea Ln. Ct.

Summer Hill Ct. Germaine Ct.

Rd.

land Ct . Ja Lind a

Hic

Westbrook Ct. 15th Av.

Ashton Ave.

Crestview Ct. Cowboy Ct. High

w illo

Ct.

Charring Cross

liff

o Wo Crestview Av.

Woodlake Dr. Deer Creek Ct.

Canterbury

Bria

rfie

St. Tyler Av.

Wentz Ln. University Cr.

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

Country Club Dr.

Murphy Dr.

Ashbury

Richfield Ct.

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

n dla

Franklin Ln.

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

Arrowhead Pl.

Arrowhead Av.

5th Av.

Aggie Dr.

Dr.

Kenslow Dr.

ire vonsh

Admiral Av. Sherwood Av.

4th Av.

Prescot Dr.

d woo

Durham Ct. Ashford Ct.

11th Av.

8th Av.

gle Tan

VillasCt.

Frontage Road 7th Av.

Fairway Dr.

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

aks

O den

Hid

Cr.

Dr.

5th Av.

e Ridg Oak

Pecan Lake Av. Trenton Ct. Pecan Trail Ct.

5th Pl.

10th Av.

mer

Pecan Hill St.

Oakdale

9th Av.

Boo

Scott Av.

Miller Av.

Virgina Av. 2nd Av.

8th Av.

coln

Lin

Hall of Fame Av.

1st Av.

7th Av. 8th Av.

Thomas Av.

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.

Eskridge Pl.

lha

Wil

Farm Av.

8th Ct. 9th Ct. Trenton Av.

. Dr

Walnut St.

McElroy Rd.

Tyler Av.

Harned Av.

Mohawk Av.

Lak

Brooke Jefferson St.

Brooke Moore Franklin

Tyler Av.

Eastland Dr. Marcus Dr.

Swim Av.

Knapp

Reese Landing

3rd Av.

Boomer Lake

Osage Dr.

oke r. Brollow D Ho

Hereford Dobi Ln.

Oak Crest Rd.

4th Av.

te S Lakeview Rd.

Eskridge Av.

Windsor Cr.

Parkway Dr.

Liberty Rd. Preston Av.

Vena Ln.

3rd Pl.

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Airport Rd.

Newman Av.

Hillcrest Av.

Lakeridge Av.

Rutledge Dr.

Windmill Ln.

Dr.

Tobacco Rd.

Sta

Win

Av.

Preston Ln.

State Ln.

Lisa Ct. Lori Ct.

Liberty

177 Airport Rd.

ore

illo

Harned Av.

Memory Ln. Country Ln.

Cheyenne Av.

Newman Av. Hillcrest Av. Brown Av.

Dr.

Arapaho Av.

Lake Sh

rie Dr. Wil liam Ct.

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

Washington St.

Cherokee Av.

age

Ute Av. Ranch Av.

sse

Rogers Dr.

Hartwood Av.

il dm

Cla

Stillwater Municipal Airport

Richmond Rd.

ers

Rog

Falls Dr.

There are no open houses scheduled for this weekend.

gate Dr .

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

Golf Dr.

Park

Stonecrest Ct.

Hartford

Richmond Hill Rd.

Washington St. Garfield St.

Stonecrest Ave.

Lynn Ln.

North

Benjamin

Husband Pl. Northgate Dr.

St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

nd Husba

Hunters Ridge

• All Open Houses are Sunday unless otherwise indicated.

Quartz Dr.

Chateau Pl. Peaceable Acres Rd.

Dr. Park Cr.

Week of Sunday, Dec. 27, 2020

Lakeview Rd.

Burris Rd.

Burris Rd. 177

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

Jardot Rd.



OPEN HOUSEMap

Yost Rd.

Perkins Rd.

Yost Rd.