February 17 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

February 17, 2022

65.5% The homeownership rate edged up only slightly in Q4 2021.

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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.

$820,000

$335,000

Of love, prenups, divorce and realty law

Stillwater NewsPress • Thursday, February 17, 2022

Romance and relationships can raise some important issues when it comes to real estate.

him a half-interest in the property but no legal responsibility to help make the monthly payments unless his name is also added to DEAR DAVE: the bank’s original I am a single mortgage contract woman and live or if you refinance in the condothe loan together. minium that I Nonetheless, purchased for you probably don’t myself in 2018. need a “prenuptial I will be getting agreement” -- legal married in May jargon for a conto a man who tract that’s signed earns much more before a wedding to money than me spell out how assets but rents an upwould be divided if scale apartment. the marriage ends Will it be necesin divorce. sary to put my Most attorneys future husband’s say that prenups name on the title are needed only for to the condo? Do those who are maryou think that I rying someone with should ask him to much less money sign a prenuptial or with much more agreement? debt or for people ANSWER: I get who are financially this type of quesresponsible for chiltion often as we’re dren from a previwinding down from ous relationship. Valentine’s Day and People who are spring approaches, involved in a famiso I’m devoting this ly-owned business entire column to the also sometimes sign matters of love and a prenuptial agreereal estate law. ment to reduce You aren’t legally the chance that an required to put your eventual divorce soon-to-be husmay jeopardize an band’s name on the enterprise that may title to the condo have been in the that you purchased bride or groom’s as a single person a family for decades. few years ago. Discuss your conDoing so would cerns with an attorautomatically give ney.

ABOUT REAL ESTATE DAVID MYERS ••• REAL ESTATE TRIVIA: About 81% of all U.S. homeowners are married, according to the latest statistics from the Census Bureau (www.census.gov). Of the remainder, roughly 56% of single men own their own home but the rate among unmarried women is a much lower 48%. ••• DEAR DAVE: What is the standard federal tax deduction for married couples who are getting ready to start working on their 2021 tax return now? ANSWER: Most of my readers know that the standard deduction is a specific dollar amount that reduces a taxpayer’s taxable income without the hassle of itemizing their write-offs. For the 2021 tax

year, the standard deduction for married couples who file their taxes jointly is $25,100. It’s $12,550 for single filers and for those who are married but file separately. ••• DEAR DAVE: My best friend is getting a divorce but doesn’t have a lot of cash to pay an attorney. One lawyer she contacted said he would represent her without charging a large up-front retainer or ongoing fees but only if she agrees to let him place a lien on her home that would guarantee that he would be paid for his services in full when the divorce is finalized and the property is sold. Would this type of agreement be legal?

ANSWER: Yes, provided that she lives in a state that allows the use of a “family law attorney real property lien” – a document that goes by the rather unattractive nickname “FLARPL.” Some (but not all) states allow the use of FLARPLs, which lawyers can file if they agree to represent a homeowner who is involved in a divorce or certain other types of lawsuits but doesn’t have a lot of hard cash to pay the attorney’s fees. To illustrate, let’s say that Jane and John Doe have a combined $100,000 equity in their house. Jane wants to sue for divorce but doesn’t have cash to pay for adequate legal representation regarding future ownership of the home, custody of the kids, child support and the like. If Jane and an attorney sign a FLARPL, Jane can pledge her $50,000 half-interest in the home’s equity to her divorce lawyer. The lawyer would then represent Jane with little or no pay

throughout the proceedings. Jane’s attorney would only get paid when the divorce decree is issued and the house is sold or if some other type of satisfactory agreement is reached. If Jane had any of her $50,000 in equity left after the lawyer was paid, she’d get to keep the balance. Many lawyers aren’t keen about FLARPLs or similar arrangements, largely because they may have to put in months or even years of work but won’t get paid until the case is eventually settled. On the upside, though, the lien helps to ensure that the attorney will likely be paid in full

rather than having to slash the bill for an equity-rich client at the end of the proceedings. ••• Our booklet, “Straight Talk About Living Trusts,” explains how even low- and middle-income homeowners can now reap the same benefits that creating an inexpensive trust once provided only to the wealthiest families. For a copy, send $4 and a self-addressed, stamped envelope to D. Myers/Trust, P.O. Box 4405, Culver City, CA 902314405. Net proceeds will be donated to the American Red Cross. (c)2022 Cowles Syndicate Inc.

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Can your landscape survive drought? This is not one of my favorite subjects, but it’s an important message for the long term health of your landscape. With the most current update, Payne County is now in the severe or extreme classification, depending on what part of the area you live it. While the current forecast offers some short-term hope, current long-range trends are for the drought to continue. While a mature landscape may do just fine without any supplemental irrigation at this time, chances are good it might benefit if any of the following apply:

HOME GROWN KEITH REED Unless you have

a very large land-

scape, it shouldn’t be necessary to pressure up an irrigation system at this point. A hose and sprinkler should do the job just fine since a good soaking will last several weeks this time of year. Just don’t forget that it is still win-

ter time and take the necessary precautions of disconnecting hoses anytime the weather is close to freezing. For more information on this or any other horticultural topic, you can contact Keith Reed, the Horticulture

Educator in the Payne County Extension office. Keith can be reached via email at keith.reed@okstate.edu, phone at 405-747-8320, or in person at the Payne County Extension office, located at 315 W. 6th in Stillwater.

3723 N Washington -33 3/2 sq ftsqUPDATED - $154,000 - Amy N NE Dryden -- 4/2/1621 Move Ready $157,000 Tiffany 502 N.701 Burdick - 3 2 Cir 1623 ft Close toft Sho inInMove & Schools - 225 000 - Donna 9366 HWY 3s1300 bed, 3 bath on .75-acre m/lIn- -Ready $275,000 -- Ann 2023 E. Linda - Large corner lot with outbuilding. 3BR/2.5BA sq ft $248,000 5020 Ave W 10th -Benjamin 4 bdrm., Stillwater Country Club, large-Over lot - 1900 $360,000 - Tiffany – Tiffany 1800 N St 3 Bed 1 Bath 1121 sqft $139,000 Melissa 2206 W 23rd Ave. - 3/2/2, 1496 sq. ft. Selling As-Is - $170,000 - Lori K. 814 S. Rock Hollow Ct. - SWDr. area4 /Bed, over 3.5 1990Bath, sq ft/SCC Golf access $274,000 S Brenna 2,891 sq. Cart ft. -Ready $490,000 - Ann –- Tiffany 3723 10217 N Washington - 3/2 -1300 sq ft UPDATED Move In - $154,000 Amy 9715 E. Horizon Dr.bdrm./3 - 50- x360 livestock barn on 5sq. acres with Construction no restrictions – -Lori K- PENDING 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of Campus! - $343,000 - Tiffany any 2320 Timbercrest Dr. Bed, 3 Bath, 1600 ft. OSU New -$100,000 $209,000 Donna 322 E Kenworthy - 03/1/1178 sq. ft., Detached Garage, Storage Shed, 4 Lots $148,000 - Lori K. NEW PRICE W. 19thAve. Ave -#43 7.48- acres inside Stillwater city limits $350,000 – Lori K 6000 N Pennsylvania 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany 3716 S. Perkins Rd. Prime Commercial Property, 10-acres m/l $1,800,000 Lori K. 2206Creek W- 23rd Ave. 3/2/2, 1496 sq. ft.lot As-Is -Barn $170,000 K. 801 S. Burdick 3BR/1.5BA, 1.5 story on 1371 sq ft a $89,000 Lori-CLori PENDING! 1408 N. M5215 Spring Cir. E - -2/1 1253 sq.large ft. on 3Selling Lots with -–$299,900 - Lori K.00 – Lori 4517 Broker Associate 1115W S.Country Richfield Ct. - 3BD/2BA 1775 sq ft $305,000 2320 Timbercrest Dr. - 3North Bed,Club 3ofBath, 1600 sq. ft.Ripley New - $209,000 - Donna - Tiffany 4713 - NICE Lot for sale -Construction $25,000–--Tiffany Donna 20J- 41.5-acres, onna Lori 5607.1 S Mehan Just 68th & Mehan, Schools NEW PRICE $249,000 10 Lori 405-612-6724 2923 N. Rd. Monroe - 3BD/2BA 2321 ft $208,000 – Tiffany Shumard Oaks - 5 -Nice Lots for you tosq build your10-acres new home - Donna 3716 S. Perkins Prime Commercial Property, m/l-PENDING! -$27,000 $1,800,000 -nLori K. Pickles GapLarge - NiceRadiant large in Perkins School District $22,500 Lori 5504 W Creekside Dr. Addition -7917 GATED COMMUNITY, Luxury, 5/4.5, 5823 sq. ft. - NEW PRICE $1,475,000 - Dolores/Tiffany Scotthaven - Nice lots in lot Perkins School District/starting at -–$45,500 - Donna 5607.1 S Mehan - 41.5-acres, Just North of 68th & Mehan, Ripley Schools - NEW PRICE $249,000 - Tiffany Hallies Meadow NEW CONSTRUCTION 4BD/2BA sq ft $379,900 – Lori 5607 6021 S Mehan Rd. - 52.5-acres for Sale, Will Divide, Ripley2347 Schools - $349,000 - Tiffany y N.PEND Mai 5005 – Lori- Tiffany 90011408 Cedar Crest Trail - 4Haydans bdrm./3Rd bath/5-acres/Pool/Summer Kitchen plus C11 - NEW PRICE $995,000 iffany 6023 Brk. - New 4/2, 2075 sq.more!! ft. are - $399,900 $338,500 Lori K. 5,900 N Perkins - 4000 sq ftConstruction, warehouse - Oh the possibilities 00 E 810 Rd., Tryon - 53.34-acres. Hunting/Building/The possibilities endless–--Donna $224,028 - Kyle 5706 W. Garden Pointe Dr.Office - Radiant Gated 3BD/3BA, 2754 sq ft $550,000 – Ann 5504 W Creekside Dr. - GATED COMMUNITY, Luxury, 5823 ft. - NEW PRICE $1,580,000 - Dolores/Tiffany 1218 W - St. 4 Commercial Lots inBuilding aCommunity very High area/starting $255,000 AnnK. 301 S. 12th Duck - Beautiful in 5/4.5, theTraffic heart ofsq. Stillwater -at $900,000 - -Lori 3618 W. Fountain View Rd. Ct. --5BD/2.5BA, in ground pool - Woodland TrailsC11 $362,900 – Tiffany 3000 S. 4 bed, 4.5 bath, on 3.2-acres -plus $845,000 -addn Tiffany/Dolores $820,000 9001 Cedar Crest Trail - 4Range bdrm./3 bath/5-acres/Pool/Summer Kitchen more!! - NEW PRICE $995,000 - Tiffany a 120 W Tyler - CALLING ALL INVESTORS, 2 ft Units, 12 2 bed, 1 $2,245,000 bath $205,000 - $950,000 - Dolores/Tiffany 208 N. Donaldson - 4BR/2BA 1851 sq - close toApts., shopping & schools – Donna 3215 S. Boomer Rd. - Nice Building for - Tiffany 719 Kar 0 - Tiffany 18575 Deer Pointe - 3/2/2 onCommercial 2.5-acres, 1917 sq. ft. - sale NEW- PRICE $268,000 - Kyle 910Main Kansas / Pawnee - 1936 farmhouse / 1 acre lot with outbuildings $129,999– Tiffany 211 E. St., St. Coyle - 64 Unit Storage Building, GREAT INVESTMENT - $165,000 - Donna Roka Hidden Lake 14 Beautiful Lots on the North Side $52,500-$79,000 Lori K. r 301S.S. Duck St. - Beautiful Office Building inacross the Stillwater -- $900,000 LoriK. K. ri- -Lori 11 415 W. 80th - 52.65 OK, acresCute rural property, noheart restrictions $300,000 – Lori iffan 505 Morton Ave. - Ripley, home fromofthe School $75,000 120 -Crescent CALLING ALL INVESTORS, 2 Units, 12 Apts., 2 bed, 1 bath $950,000 - Dolores/Tiffany 617 Main - Downtown Stillwater unit plus apartment unit -$395,000 – Tiffany 2923 N.Tyler Monroe - 3 bdrm./2 bath/Study/Game One block to Boomer Lake - $219,000 - Tiffany 2113 N.S. Dr. - 4/2.5/2, 2439commercial sq. ft.Room. GREAT LOCATION - NEW PRICE $335,000 Ann 29W Tiffany 830456 S. Ct. 3354 / Carney -3BR/2BA sqCreek, ft to - out $199,900 – Lori - Tiffany 000 N - 9-Rd lots platted for duplexes close Boomer Lake - $420,000 3337 WGlenwood Charleston Ct. New Construction in 1468 Berry 4building bed, 2.5 bath - $397,900 - ,Donna 719 Karen 0 - Tiffany 9366 NE Hwy. 33 3 bed, 3 bath, on .75-acre m/l NEW PRICE $249,000 Ann 111 E. Tower / Perry 3BD/1BA 1118 sq ft $79,800 – Tiffany 7917 Cir. Pickles large lotsq. in Perkins School - Lori$250,000 1408Spring N. ,900 -- Lori 5215 Creek E - 2Gap bed,- 1Nice bath, 1253 ft. on 3 lots with District a barn -- $22,500 NEW PRICE Lori K. N. Burdick - 3BR/2BA sq ft Close to shopping & schools $209,000 – Donna- Lori 6021502 Hallies Meadow NEW 1623 CONSTRUCTION 2,347 sq. ft. - $379,900 4713 W -Country ClubLots - NICE Lot 4BR/2BA, for sale - $25,000 - Donna Roka Hidden Lake 14 Beautiful on the North Side $52,500-$79,000 Lori K. 2923 5005 iffany 920, 920 1/2 S. Duck 2 Investment properties, -2 Oh, homes, bedrooms total $160,000- Donna – Amy N Perkins Rd. .- -4,000 sq. ft. warehouse the 5possibilities - $399,900 2113 Dr. 4/2.5/2, 2439 sq.inft.Perkins GREAT LOCATION PRICE $345,000 - -Ann 101Pointe W. 80th building and shop on2,754 11.5 acres $4,000,000 – Lori Scotthaven Addition Nice large lots School District/starting at $45,500 - Donna $495,000 57061408 W. Garden Dr.- -Commercial Gated Community 3BR/3BA, sq.-ft.NEW - NEW PRICE $510,000 - Ann N.N.MCrescent 35,900 Lori 354 Cou - Tiffany 5011 W. 10 acres of Stillwater $300,000 – Lori 9366 NE /Hwy. 33 Lakeview - -31936 bed, farmhouse 3 -bath, on .75-acre m/lwith - NEW PRICE $249,000 - ,500 Ann 910S.Kansas St. Pawnee / NW 1-acre lot outbuildings - $129,999 - Tiffany 4517 0 - Lori 3000522 S. Range Rd. - 4 bed, 4.5 bath,inon 3.2-acres - $820,000 - Tiffany/Dolores 12th#43 - Commercial building downtown Stillwater Lori 415 W.E. 80th - 52.65-acres rural property, noOklahoma restrictions -$250,000 $250,000 - Lori $112,000 354 - ffany Tiffany 6000 N Ave. - 2 bdrm./2.5 Bath Condo, City - NEW–PRICE - Tiffany PENDING - Pennsylvania ,900 - Tiffany 354 S. Black Oak Dr. Rd. -Stillwater 4BD/3BA, 4813 sq ft Georgian &- style – Donna 6172620 S. Main - Downtown commercial unit pluselegance apartment unit$950,000 - $395,000 - Tiffany 3215 S. Boomer Nice Commercial Building for sale $2,245,000 - Tiffany 4713St. W -Country Club - shelter, NICE Lot for sale $195,000 - $25,000–-Tiffany DonnaPENDING! 1304354 & 11111012 45,000 - Lori iffany N. Manning 3BR/2BA storm outbuilding E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany - PENDING PENDING -505 ,000 Shumard Oaks -W. Just of 51 & Cute Country Club 4sqlots leftSchool --$25,000-$27,000 - Donna S. Morton Ave. - Ripley, OK, home across - $69,900 K. -Tiffany 2218 3rdSouth - Close to campus 3BR/2BA 2208from ft the $239,000 – Tiffany 920, S. Duck - 2 Investment properties, 2 homes, 5 Only bedrooms total NEW PRICE- $152,500 - Amy -- -Lori 1304 & 920½ - Lori 1408 N. Main / Perkins4BD/3BA 2098 sq ftinNEW CONSTRUCTION on- $4,000,000 golf course $325,000 – Lori Scotthaven Addition - Nice large lots Perkins School District/starting at $45,500 101 W. 80th - Commercial building and shop on 11.5-acres - Lori - Donna 000 N Glenwood Ct. - 9- 3BD/2BA lots platted forsq duplexes close to Boomer Lake - $420,000 - Tiffany 4517S. Jenna Ln. 1756 ftNW NEW CONSTRUCTION $266,900 5011 W. Lakeview - 10-acres Stillwater- $820,000 - $300,000 - Lori – Lori Tiffany 3000 Range Rd. - 4 bed, 4.5 bath, on of 3.2-acres - Tiffany/Dolores 354 115 80th- Commercial - 14.5 acres m/l Just North of 68thon & Mehan - $121,075 - Tiffany 354 S.3 101 Tiffany 522 E.E.80th 12th in downtown Stillwater - -Lori W. and shop 11.5-acres -$250,000 $4,000,000 - Lori-Kyle 3215 Boomer Rd. - Nicebuilding Commercial Building for sale - -$2,245,000 Tiffany 80th - Nice4,813 large office 3 acres m/l $950,000 – Lori- $950,000 354 Cou , -700 Tiffany . .S. Kyle 2620S306 S. Black Oak203 Dr. E - 4BR/3BA, sq. ft.on Georgian elegance & style - -Lori Donna 270 2707 7 Lori 505 S. Morton - Ripley, OK, Cute home the School - course $69,900 - Lori 115 80th 14.5-acres m/l just north ofacross 68th Mehan - on $121,075 - Lori K. E- 2nd - 4BD/2BA 1717 sq ft Split floor&from plan $175,000 – Ann PENDING & 1306 S4E.3202 24 ft. - K. $135,000 - Lori 14081304 N. Main /Perkins - Ave. 4BR/3BA, 2,098 sq. ft. NEW CONSTRUCTION golf -sq. $325,000 - Lori K. $315,000 2707 W. 317 Lori Lori 6038 Brook - NEW 4BR/2.5BA 2183 $349,000 – Lori- $420,000 000 N Glenwood Ct.Haydans - 9 lots platted duplexes closesqtoftBoomer Lake - Tiffany 4517 Jenna 3BR/2BA, sq. ft.for CONSTRUCTION - $266,900 - Lori PENDING 202 5 ---Donna 203Ln. E. -80th - Nice 1,756 large office on 3-acres m/l - NEW PRICE $1,200,000 Lori 2112 N.80th Monroe - 2 Commercial buildings on 3restrictions acres $600,000 – Dolores E. W. 80th - 14.5-acres m/l just of 68th Mehan - $121,075 - Tiffany Lori K. 6115415 - 52.65-acres ruralnorth property, no& - $250,000 - Lori 354 S. Council Rd. - Land for sale office in Crescent, OK - No restrictions 33.5ft acres m/l $167,000 – Tiffany 425 E. Pams Dr NEW CONSTRUCTION 3/2/2 1973 sq $285,000 - -Lori K. 203 E. 80th Nice large on 3-acres m/l NEW PRICE $1,200,000 101 W. 80th - Commercial building and shop on 11.5-acres - $4,000,000 -Lori Lori . as or S. Burdick - 3BR/2.5BA ft $87,000 – Tiffany 3202 0000 E. 2nd - 801 4BR/2BA, 1,717 sq. ft. Split1371 floorsq plan - $170,000 - Ann ---PENDING S. Ann -K. K. 115 E. 80th - 14.5-acres m/ldivide, just north of signs 68th & Mehan - Lori 421 E.44th Pams Dr - NEW CONSTRUCTION 3/2.5/2 2115 sqft$121,075 - $297,500 - Lori - 15.86 acres - will look for $317,000 ffany 6038 Haydans Brook - 4BR/2.5BA, 2,183 west sq. ft.of- Western $349,000 - Lori, – Lori any 474 2707 .203WE. 80th Nice large office on 3-acres m/l NEW PRICE $1,200,000 Lori Cedar Oaks & 19th 7.48 acres m/l in city limits $350,000 – Lori 2112 N. Monroe 2 Commercial buildings on 3-acres $600,000 Dolores 309N. E601 5/3/3 2105 sq ft - $299,900 - Lori K. N.Kinder Wells Blvd - NEW CONSTRUCTIONPossibilities! - $2,352,900 -Lori Lori fany 0000 Country Club Rd. - 20for Acres onwest -- $200,000 - Ann- Lori - PENDING 2707 W 44th - 15.86-acres - will divide, look signs of Road Western - $317,000 C/Jennifer 4810S.Aloysius Dr - 3/2.5/3 2180 sq ftPaved - $349,000 Lori Lori Crosby Donna Rhinehart 4717 S. Turtle Ct.&-apox. Great .-acre m/lWest Lot for your -Club $45,000 - Tiffany - Lori K. 5011 W. Lakeview -Pond 10Oaks acres mile ofin Lakeview &-pleasure Country - $250,000 Montie Stewart Monty Stewart Cedar 19th -1/4 7.48-acres citybuilding limits $350,000 - Lori OPEN HOUSE, m/l SUNDAY 1-2 P.M. Realtor Associate 3000 Range Rd $845,000 1-3 Dolores Lemon Realtor Realtor Associate N. Washington Rd. 151.8 acres m/l, OH the Possibilities! $2,352,900 Lori 4717 S. Turtle Pond Ct. - Great .-acre m/l lot for your building pleasure - $45,000 -Lori Tiffany PEN q. ft. - -$349,000 405-612-4184 1324 N Henderson St--151.8 Lot foracres sale m/I, .75 -acres Evergreen $29,000 --Donna 3723 N Washington $154,000 - AmyEstates Parsons 405-747-7306 405-372-5151 ngtonRd. Rd. OH the N. Washington - 151.8-acres m/l, OH the Possibilities! Possibilities!- -$2,352,900 $2,352,900- -Lori Lori

Stillwater NewsPress • Thursday, February 17, 2022

• Fall seeded plants. This includes but is not limited to turfgrass seed, winter cover crops and wildflower mixes. • Any immature landscape plants installed within the last year or so. For trees, consider anything within the last three years to be immature just to be on the safe side. A new tree is a significant investment and taking care of it while it is young can pay big dividends as it grows. • Evergreen shrubs and trees, even if they are been in the ground

for years. Dry winters kill more evergreen landscape plants in our region than the hottest of summers. Since these plants do ever go completely dormant, they must have access to some moisture to remain viable. • While no longer live plants, compost piles can also use an occasional drink of water to keep the decomposition process moving along. • Pre-emergent herbicide applications need to be watered-in to be effective. This applies to treatments applied either as spray or granular. Timeliness is important on this watering. Check the label or with your lawn care professional as the irrigation window can vary depending on the formulation of the product. • As we mentioned last week, it’s also possible that winter weeds that are already up and growing may need irrigating a few days before a post emergent herbicide application so they can take up the herbicide as intended. When this subject comes up, it is not uncommon to get resistance from homeowners who have paid to have their irrigation systems winterized.

Navigating the market when mortgage rates spike we entered 2022. The Mortgage Bankers AssociaMortgage interest tion believes that with the expected rates spiked this increases in rates, week. And experts 30-year mortgages warn there’s a slim will be closer to 4% chance they’ll soar all the way to 4% as by the end of 2022. The resulting higher the United States monthly payment Federal Reserve may price some struggles to combat the highest inflation buyers out of the market. in nearly 40 years. For instance, a Rising mortgage buyer of a $400,000 rates, along with house with a 20% limited inventory down payment and record-high would have a morthome sale prices, will affect the ability gage of $320,00. The monthly payment of home buyers to with a 3% 30-year purchase a home. mortgage would be The Fed is also $1,349. However, winding down buying mortgage-backed with a 4% 30-year mortgage, the securities and US monthly payment Treasuries, which it purchased during would be $1,528. The additional monthe pandemic to ies would be $179 a stimulate the econmonth or $2,148 a omy. According to the meeting minutes year. Some buyers may of the Federal Renot be able to afford serve’s December the higher monthly 15 Federal Open payments or qualify Market Commitfor, the higher rate tee, the committee mortgage. However, members expect mortgage-backed se- these interest rates are still near historic curities purchasing to end in March and lows. According to data from the Fed, the Federal Funds the 30-year mortrate to increase in gage rate was still June. What Do Rising over 4% as recently as 2018. Mortgage Rates Hence, it may Mean for Homemake sense to move buyers? • Higher Monthly forward with your purchase if you can Payments afford the higher Potential homepayments. In adbuyers should look to buy earlier in the dition, for existing homeowners asking year rather than later, to take advan- when to refinance their mortgage , it tage of lower rates. For most of 2021, 30- may still be a good year mortgage rates time. • Lower Inventory averaged around 3%, According to the but they’ve inched up every week since Mortgage Bankers By Christine Seaver

Stillwater NewsPress • Thursday, February 17, 2022

Wealth of Geeks

Association, an estimated 6 million houses were sold in 2021. Average house prices were up 15.3%, with a median house price of $362,000. Their housing market forecast for 2022 is anticipating a modest drop of 2.5% in house prices. They believe the increase in mortgage interest and high inflation will mildly slow, but not severely cut, the pace of home sales. The question is can buyers find inventory in today’s high-pressure market. Realtor. com states existing homes have a 1.8month supply, below the typical 6-month period. Freddie Mac estimates the nation would need 4 million homes to meet current demand. The inventory shortage is a perfect storm between years of the underbuilding of new homes and millennials ready to hit the real estate market as first-time buyers. The result is the lowest inventory in forty years. The reduced inventory, high pace of sales, and fierce competition for houses may leave buyers unable to find a house. However, homes selling well above listing prices are the norm in many parts of the country. According to Bankrate, in California and Colorado, around 60% of

homes are selling above their list price. Houses are selling before they even reach the market. As a result, first-time buyers are finding themselves stuck in the rental market, which in turn is driving up rental prices. Zumper’s Annual Rental Report shows median rental prices went up 11.6% for a one-bedroom apartment and 13.6% for a two-bedroom one in 2021. The combination of low inventory, rising mortgage rates, and rising prices are reasons potential home buyers may want to buy sooner instead of later. Look in Different Regions Location has always been part of the real estate equation. But now more than ever, achieving the dream of home ownership may mean shopping around - the country. Prices vary significantly across the nation. Moving to a more affordable area and employing a strategy of geographic arbitrage can help new buyers purchase a house. Some regions may also have greater inventory, with less competition. With the increasing acceptance of remote work, workers are no longer required to go to the office. These workers are not tied to their current area and

can settle in other locales based on different lifestyles and quality of life desires. Many who worked in the cities and rented are now buying houses in the suburbs since they no longer commute. According to the Federal Reserve Bank of St. Louis , in 2021, the least expensive state to purchase a home in was West Virginia, with an average price of $117,765. The highest average price was the District of Columbia, with an average selling price of $691,997. With a 20% deposit in each state and a thirty-year mortgage at 3.730%, The monthly mortgage payment would be $579 in West Virginia and $3079 in the District of Columbia. This difference

of $2,500 does not consider real estate taxes, HOA, or homeowners’ insurance. Plan Ahead Potential buyers should get pre-qualified before looking at houses to help determine their price range and how it fits their budget. Consumers can’t afford to waste time looking at properties outside of their price range in today’s hot real estate market. An experienced real estate agent and mortgage broker can offer expertise to make the search less painful. Buyers should bring a larger down payment to make their offer competitive in a tight market and help make their mortgage payment affordable. For example, suppose

you save an additional $10,000 ; then the larger down payment will lower the loan-to-value ratio, possibly resulting in a lower mortgage rate. Lenders usually view a lower LTV ratio as less risky since buyers will have more equity in their homes. Monies need to be in an account for at least 60 days to demonstrate the ability to finance the purchase. Comparing the different mortgage products is essential and will vary according to finances, income, and credit score. Although adjustable-rate mortgages may be appealing, consumers should examine how the interest rate can change after the fixed-period part of the mortgage.

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

DEFY MEDIOCRITY + DELIVER EXTRAORDINARY Linda Schmidt Broker

405.880.3048 Bailey Williams

405.714.4037

Property Manager

Alane LeGrand

405.747.6950 Judy Kasso

Rosetta Heppel

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Budgets can help with higher costs of living Wealth of Geeks

of people make budgets in the last year. I always recommend that people use Mint for their budget, a free online tool. It’s what I use, and I find it really straightforward and user-friendly. The cost of living crisis has made paying off debt much more difficult for most people, and since I help my clients create strategies to get out of debt, developing a budget with them is the very first thing I do.” Michael Williamson, a startup marketer for Hoist, is also a fan of financial technology and uses the popular app YNAB as a budgeting tool. “I appreciate how it lets me allocate for the essentials as well as retirement, savings, and Health Savings Accounts contributions each month. No longer do I feel hesitant about booking a weekend getaway-I can easily look and see that all my long-term goals are accounted for.”

Why More Budgeting? Why A 13% increase in two years is not a small number, so what is behind the rise of Americans turning to budget? Recent reports from the US Census Bureau show that approximately one-third of households in America struggle to put food on their tables. And it’s not just due to the pandemic. The cost of living overall has increased dramatically in recent years. Ari Shpanya, CEO of LoanBase, said that the pandemic forced him to start tracking expenses. “I’ve been

using the envelope budgeting method, through the app ‘You Need a Budget.’ I started using this as the pandemic because I started not seeing where all my digital money was going. I knew I was paying bills and not sure where everything else was being spent.” Tim Connon, Founder of ParamountQuote, agreed that budgeting is important. “By sticking to a budget, we have been able to identify and cut out miscellaneous expenses that were not needed and sticking to our budget goal. This has helped us in a time where the cost of living is on the rise.” Melanie Hanson, Editor in Chief, EDI Refinance, said she started budgeting a month ago after noticing prices rise in restaurants. “We’ve noticed rising prices the most when it

comes to restaurants. Delivery and takeout prices have been sky-high lately, so we’ve limited ourselves to a fixed dollar amount every month for these purchases.” She goes on to say that it has even helped her to get back into cooking “It has helped us save discretionary income for other things and also encouraged us to get back into cooking in a big way.” Should Everyone Budget? Some people see budgeting like dieting, and don’t want to embrace a restrictive mindset. Others may struggle with setting parameters when their income can fluctuate. But 88% of people who responded to the debt.com survey believed that everyone should consider budget, regardless of income level or

debt status. Budgets are not just for people who are struggling financially - they can be helpful for anyone who wants to get their finances in order. Budgeting can be a great way to stay mindful of your spending and make sure you are not overspending on unnecessary items. It can also help you save money for important goals like retirement or a rainy day fund. So if you do miss a paycheck for whatever reason, you’re part of the 36% who can still survive and cover your bills. More Articles from the Wealth of Geeks Network: Best Online Banks Best Joint Bank Account This article was produced by MeMoreMoney and syndicated by Wealth of Geeks.

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It’s Not Always Either/Or While the survey captured the primary methods, we found that some people opt to use more than one budgeting method to keep up to date. Michael Jan, a Web Content Specialist at Pyramid Credit Repair, said

he often doubles up to capture expenses when on the move. “I used two platforms, one is Microsoft Excel and second is the note app on my smartphone. The reason is two because when we go outside and have lunch/dinner, I make sure that the expenses are still included. Then once I get home, I put it all together on an Excel Sheet.” Michael says he likes to keep it simple “The category entered on the column tab is the income, expenses description and just the date. If you want to automate the data, there are some templates you can download on the web.”

Stillwater NewsPress • Thursday, February 17, 2022

favor alternative methods. “I am kinda old-fashDespite all of the ioned. So I prefer pen and paper; negatives we’ve it is much faster. seen during the Covid-19 pandemic, You just have to write it down and there have been be creative in your some positives as own way about your well! budget.” Only 64% of Kyle Kroger, who Americans now is also a pen and live paycheck to paper budgeter, paycheck, down agrees. “Personally, considerably from 74% surveyed prior for me, the gold standard is still to the pandemic. That’s most likely getting a pen and paper and jotting it due to more people creating and trying down. The pen and to stick to a budget. paper technique is convenient because A recent survey by debt.com has shown of greater flexibility and convenience to that 80% of Amerjot down notes and icans are now budgeting, up from 67% make edits.” just two years ago. 9% Use Apps With the cost of living continuing to to Budget, But rise, affording basic Their Popularity necessities like food is Rising The number and housing can become serious con- of people using apps for budgetcerns. ing is lower than While there is we expected, but no one-size-fits-all it’s growing. Only answer to the cost about one in ten reof living crisis, spondents claimed budgeting can be an effective tool for to use an app or computer program many people. for their budgets, And there are but Techcrunch remore options now ports that financial than ever before. technology, or “fin60% Prefer Pen tech,” outperformed the market by three and Paper Budtimes in 2021. get Clearly, more and With so many more Americans budgeting apps are turning towards now available in the US, it’s surpris- technology to help them manage their ing that over half finances. of Americans still Jake Hill, CEO prefer using pen of DebtHammer, and paper as their agrees financial primary budgeting apps are the way method. forward. “As a fiJulian Goldie, nancial expert, I CEO of Goldie have helped dozens Agency, doesn’t By Mary Elizabeth

Stillwater NewsPress • Thursday, February 17, 2022

Disasters can wipe out affordable housing for years unless communities plan ahead By Shannon Van Zandt or otherwise less Texas A&M University desirable, such as via The Conversation low-lying areas that are known to flood, near toxic facilities The tornadoes or in outlying areas and wildfires that devastated commu- that fail to enforce codes designed to nities from Kentucky to Colorado in protect homes. The housing that gets the final weeks of 2021 left thousands built there tends to be more affordable. of people displaced Second, as comor homeless. For munities grow, many of them, it older homes become will be months if more affordable not years before their homes are re- through a process called “filtering,” built. where wealthier That’s especially hard on low-income households move into newer housing, residents. leaving older, more As a professor of dilapidated homes urban planning, I study the impact of available for lowdisasters on afford- er-income houseable housing, resil- holds. Older homes ience and recovery. were often built under less stringent The losses of hunbuilding codes and dreds of homes in typically are lesstowns across the well maintained, Midwest and in which can make Boulder County, Colorado, show two them more physisides of that impact cally vulnerable. Third, durable and illustrate why patterns of historcommunities need ical segregation to plan now to protect their most vul- and ongoing disnerable residents as crimination in real their towns recover. estate and lending can compound In doing so, they these problems by also protect their limiting Black and economies. Hispanic families’ ability to afford Why low-income households lower-risk neighborhoods. face higher risks Research has Middle- and shown consistently low-income households tend to occupy that lower-income households are not the riskiest homes only more likely to in communities for suffer damage in a few key reasons. First, land values a natural disaster, but they are more tend to be lower in areas that are risky likely to take much

ANALYSIS

a cautionary tale. A year after the hurricane, hotels and longer – two to restaurants – even three times longer – those that were to recover. part of national Poverty and other chains – strughousehold characgled to reopen for teristics, such as Rockport’s critical being headed by a tourist season due single mother, hav- to the loss of affording racial or ethnic able housing for minority status, workers. Many of low levels of eduthose workers had cation, a disability, relocated to San or renting rather Antonio, two and a than owning one’s half hours away. home, define what researchers call “soMany homes cial vulnerability.” can’t be replaced The location and for the same quality of housing, price combined with the Housing recovery vulnerability of res- typically gets left idents, means that to the market. For those most affected homeowning houseby disasters are holds with good inoften those least surance, the market able to recover from works reasonably them. well. But for lower-income houseSlow recovery holds, including affects the entire renters, it can be community difficult to return to Communities their homes or even need to understand their original neighthat slow recovborhoods. ery for vulnerable In depressed marhouseholds can slow kets with low-value the recovery of the homes, like many of overall community. those impacted by Researchers have the December torfound that housing nadoes in Kentucky recovery is strongly and the Midwest, linked to business replacement values recovery. Workers are not enough to need housing so rebuild equivalent they can return to housing. Home valwork, and business- ues in these areas es need workers so may average under they can resume US$100,000. It is operations. nearly impossible Rockport, Texas, to build a home for where Hurricane that today. Harvey made landHot markets like fall in 2017, offers Boulder County,

What can be done? What then, can be done to ensure vulnerable residents can rebuild and return? A few communities have tried new ideas. La Grange, Texas, which flooded during Hurricane Harvey in 2017, is experimenting with community land trusts. These involve cooperative ownership of land coupled with individual ownership of units. Residents must occupy the unit for a prescribed period of time and gain only a small percentage of increases in land value, with the rest going to the co-op. Safety nets This approach alexist but are inlows residents to adequate pool resources for Short-term asland purchases and sistance from FEmaintains affordMA’s Individual ability over time. Assistance Program Boulder County helps displaced relaxed its rental households find rules to help distemporary housing placed residents and make repairs to find temporary homes that qualify. homes after the Assistance can also fire. come from CommuMonitoring recovnity Development ery funds closely is Block Grants from also important to the Department of ensure they help Housing and Urban those most in need. Development, but Following the 2008 these funds take Hurricanes Ike and months and even Dolly, the Texas years to arrive, Low Income Housand spending plans ing Information submitted by states Service, now called often misdirect Texas Housers, funds and have alsued the State of most no oversight. Texas, claiming the Colorado, face a different challenge. Rebuilding in those markets allows developers and speculators to take advantage of redevelopment opportunities. Research suggests that affordable housing will almost always be replaced by more expensive housing targeted to a wealthier demographic. And for low-income residents who rent and lose their homes to disasters, there is little chance that they will be able to return to their original development. Little is known about where they end up.

state recovery plan failed to address the needs of the most vulnerable Texans. The resulting agreement brought an additional $3 billion in aid, and ongoing monitoring of funding has ensured it helped rebuild hundreds of homes for low-income families. Nearly every community in the United States is increasingly vulnerable to some kind of natural disaster due to climate change. A Washington Post analysis of federal disaster declarations found that 40% of Americans lived in counties that were hit with extreme climate-related weather in 2021 alone. Planning disaster recovery to ensure that the most vulnerable members of communities can return will result in greater resilience and community vitality. This article is republished from The Conversation under a Creative Commons license. Read the original article here: https:// theconversation. com/disasters-canwipe-out-affordablehousing-for-yearsunless-communities-plan-aheadthe-loss-hurts-theentire-local-economy-174880.

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Stillwater NewsPress • Thursday, February 17, 2022

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Yost Rd.

To Cimarron Turnpike

Topaz Ave.

Amethyst Ave.

Duncan

Nancy Lee Dr.

Evergreen

Perkins Rd.

Teal St.

Bluestone St.

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

Payne St.

16th Av.

t. is S Lew

Lowry St.

Lowry St. 37th Av.

35th Av. 36th Av.

37th Av.

44th Av.

Hunters Cr.

s Dr. Deerfield

Wild Turkey Pas

Vista Ct. Vista Ln.

Cottontail Ln.

Jardot Rd.

Perkins Rd.

Husband St.

Washington St.

Western Rd.

Sangre Rd.

Timberline Dr.

177

Katy

Hightower St.

Henderson St.

S. Westchester St.

Dr.

Mockingbird Ln. Collins Ct. Colby Lance

Villa Dr.

Drury Ln.

4th Av.

Eastgate St.

Crestwood Cr.

Raintree Av.

3rd Av. 4th Av.

Peach Tree Av. Stonegate Av.

19th Av.

32nd Av.

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Av.

Lydia Ln.

34th Av.

Fern St.

Main St.

Pioneer St.

35th Av.

3rd Av.

5th Av.

17th Av.

Main St.

Husband St.

Knoblock St.

Cambridge Dr.

West St.

33rd Av.

2nd Av. 4th Av.

Jardot Rd.

Ransom Dr.

Dr.

29th Av.

32nd Av.

ower Hight

Pinewood Cr.

26th Av.

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Pos

Wedgewood Dr.

Oakwood Dr.

9th Av.

177

30th Av.

Denver St. St.

Jardot Rd.

Payne St. Payne St.

7th Av.

24th Av.

Mar Vista St. 28th Av.

Timbercrest Dr. Timbercrest Cr.

4th Av.

25th Av.

26th Av.

Denver Ct. Denver St.

Young St. Jardot Rd.

Wedgewood Ct. Wedgewood Dr.

Blair St. Payne St.

Blair St. Stallard St.

Hall St.

Leigh St.

Burdick St.

James Ct. Springfield St.

ott

Aetna St.

Hartford St.

Fern St.

Chester St. Fern St.

Eastern Av.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

19th Av.

22nd Av.

Cedar Ct.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

Virginia Av.

21st Av.

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Connell Ct. Connell Av.

Matthews Av.

3rd Av.

Hartford St.

Lowry St.

Chester St.

Lewis St.

Lowry St.

Alc

Pennsylvania St.

Lewis St.

Lowry St.

Husband St.

Masin St.

Husband St.

Main St.

Husband Pl.

17th Av. 18th Av.

Skyline Ln.

Grandview St.

Manning St.

Donaldson St.

Stallard St.

Burdick St.

Perkins Rd.

Grandview Ct. Grandview St.

Manning St.

Briarwood Dr. Manning St.

Su nn nn y yb Ct bro ro . ok o

Dryden St.

Berry Ct. Arrington Ct. Arrington Dr.

Hartford St. Dryden St. Redbud Ct.

Star St.

Hoke St.

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

West St. Duck St. West St.

Duncan St. Duck St.

Duncan St.

West St. West Bl.

Walnut St.

15th Av.

Whitney Ct. McElroy Rd.

12th Av.

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

Payne St.

Dryden St.

Hartford St.

Benjamin St.

Crescent Dr. Glenwoo d Dr.

Main St.

West St. Duck St.

Duncan St.

Hester St. Knoblock St. Knoblock St.

Hester St. Hester St.

Knoblock St.

Washington St.

Ramsey St.

Benjamin St.

sb Hu

Husband St.

Ramsey St.

Washington St. Bellis St.

Monroe St. Jefferson St.

Adams St.

Blakely St. Stanley St.

Gray St.

Pine St.

Orchard St.

McDonald St.

Walnut St.

McFarland St. Kings St.

Willis St.

Silverdale

Star Dr.

Park Dr. Park Dr.

r. dD an

Pa rk Sta Dr. rD r.

Husband St.

Keller Dr.

Crescent Dr.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

Monroe St.

Clevelan

Hester St.

Ramsey St.

Kings St. Orchard St.

Kerr St.

d St.

McFarland St. . Kings St

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

Willis St.

e D Ridge Dr. r. Willis St.

Ridge Dr. Rid g Western Rd.

t Dr.

Summ erlin Ct. Bridlew ood

Augus

Oxford Dr.

Legendary Ln.

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

Knoblock St.

Garfield St. Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

Western Rd.

Dr. Ridge

Wicklow St.

Devon St.

Devon St. Wicklow St. August Dr.

Ln.

Surrey Dr.

Dr .

Celia

Culpepper

in Elv

Black Oak Dr.

Murray Ct.

Birchwood Ct. son Ct. Wedgewood

Black Oak Dr.

12th Av.

Sawgrass St.

11th Av.

Pl.

8th Av.

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er om

Rocky Ridge

dge D r. Fox Le

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Karr Ct.

Fountain View Dr.

Cedar Ct.

Ct.

Redbud Dr.

7th

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k Ln.

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August Dr. Cambridge Ct.

24th Av.

rD eda

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Forest Trail Ct.

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Turtle Pond Ct.

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mit

Maple Av.

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Maple Av.

Brooke Av.

Sunrise Av.

McElroy Pl.

Elm Av.

Elmwood Cr.

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Connell Av.

Arrington Dr.

Virginia Av.

Krayler Ave.

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

Hanson

7th Av.

12th Av.

11th Pl.

Arbor Cr.

e Roc

Helena Hts.

Miller Av.

Lakeview Rd.

Fountain View Ct.

Red Rose Dr.

Aloysius Cr.

18th Ct.

Camden

51 7th Av.

Will Rogers Dr.

Dryden Cr.

Hall of Fame Av. Mathews Av.

University Av.

Saddl

one D

st Wood

n St.

Briarcreek Dr.

Doral Ln.

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.

22nd Av.

Quail 25th Av. Ridge Ct.

29th Ct. 30th Av.

Inverness Ln. Deer Crossing Dr.

18th Av.

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Ct. . nery ock Ln R dle Sad

Ln.

Fox Ledge Ln. Fox Ledge Dr.

17th Av.

n. eL

Cantwell Av.

13th Av. 14th Av.

15th Av.

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k Dr.

Black Oak Dr. Countryside Dr.

Tanglewood Cr.

Willow Park Cr.

Eagle Summit

Savannah

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Fairfield Dr. Mansfield St. Ct. dar Ridge

Hillside St.

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

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

Westridge St. Hillside Ct.

Pioneer St.

Sangre Rd. Murphy St.

Squires St.

Charles Dr.

R lue Sprin B gdal Wo e Dr. odc re 11th Ct. st Dr. Edgemoor Dr.

Iba Dr.

Oak Trail Dr.

St.

Isabell Pointe Dr.

eld

Bristol Rd. Av. 24th Av.

Fox Ledge Ct. 32nd Av.

Knotts Av.

Lewis St.

Lincoln St.

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

Liberty Ct.

Ivy Ct.

Mark Circle

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

Abbey Ln. Windsor Dr.

Oak Ridge Dr. Basin Ridge Dr. Dr. idge

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

. Rd

ail Dr.

Walking Tr

erfi

low

Chapel Hill

10th Av.

Wehr Ln..

5th Av.

Dr. Park Cr.

Ramsey St.

Airport Ln.

Monroe St.

Land Run Dr.

tD r. W rig h

sR d. ces

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Airp ort Ind ustr ial A c

Valley Dr.

Charolais Dr.

Warren Drive

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Range Rd. Crosswinds

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Vil la

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Range Rd.

wbric

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

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19th Av.

eS nic

Austin Ct.

Shadow Creek Ln.

Scissortail Dr.

Stillwater NewsPress • Thursday, February 17, 2022

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.

18th Av.

Persimmo

Sunset Av. University Av.

Scott Av.

Lauren Lane

Keller Dr. Lakeview Ct.

Dells Av.

Wiley St.

18th Av.

Yello

ntry

St.

Mercury Av.

Liberty Dr.

d Dr.

kor

Lou Ct

Loper Billin gslea Ln. Ct.

Summer Hill Ct. Germaine Ct.

Hic

Westbrook Ct. 15th Av.

Ashton Ave.

land Ct . Ja Lind a

w illo

Ct.

Charring Cross

liff

Crestview Ct. Cowboy Ct. High

Woodlake Dr. Deer Creek Ct.

Canterbury

Bria

o Wo Crestview Av.

St. Tyler Av.

Wentz Ln. University Cr.

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

Country Club Dr.

Murphy Dr.

Ashbury

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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11th Av.

Dr.

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Cr.

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5th Av.

Frontage Road 7th Av.

Pecan Lake Av. Trenton Ct. Pecan Trail Ct.

5th Pl.

10th Av.

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Oakdale

9th Av.

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2nd Av.

8th Av.

Rd.

7th Av. 8th Av.

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Scott Av.

Miller Av.

Virgina Av.

8th Ct. 9th Ct. Trenton Av.

lha

Wil

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.

Hall of Fame Av.

1st Av.

3rd Av.

Boo

McElroy Rd.

Tyler Av.

Farm Av.

4th Av.

. Dr

Reese Landing

Walnut St.

Tyler Av.

Harned Av.

Mohawk Av.

Lak

Brooke Jefferson St.

Knapp

Oak Crest Rd.

Eastland Dr. Marcus Dr.

Swim Av.

Brooke Moore Franklin

Eskridge Av.

Windsor Cr.

Boomer Lake

Osage Dr.

oke r. Brollow D Ho

Hereford Dobi Ln.

Vena Ln.

3rd Pl.

Parkway Dr.

Liberty Rd. Preston Av.

Rutledge Dr.

Windmill Ln.

Hillcrest Av.

Lakeridge Av.

Lakeview Rd.

Airport Rd.

Newman Av.

te S

Win

Sta

Dr.

Tobacco Rd.

Preston Ln.

State Ln.

Lisa Ct. Lori Ct.

Av.

177 Airport Rd.

ore

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Memory Ln. Country Ln.

Cheyenne Av.

illo

Harned Av.

Liberty

Arapaho Av.

Newman Av. Hillcrest Av. Brown Av.

Dr.

Knoblock St.

Cherokee Av.

Lake Sh

rie Dr. Wil liam Ct.

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

Washington St.

Ranch Av.

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Hartwood Av.

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Falls Dr.

Stillwater Municipal Airport

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.

Hunters Ridge

Stonecrest Ave.

Lynn Ln.

North

Benjamin

Husband Pl. Northgate Dr.

St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

nd Husba

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