The Real Estate Book Home & Lifestyle Guide of North Central Florida by The Real Estate Book of North Central Florida

North Central Florida

HOME & LIFESTYLE GUIDE Volume 18, Issue 1

2018

Directly on the Santa Fe River GREAT HOME FOR ENTERTAINING For More Info Text: R637861 To: 52187 For Advertising Information, Contact:

RONNIE LAYTON 405-850-2984

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401

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Listing Agent: Annette Land Land Brokerage Realtor Call: 386-935-0824

12/20/2017 11:21:37 PM

Annette B. Land t/a Land Brokerage Realtor P.O. Box 394 - Branford, FL 32008

Specializing in sales of land in the Suwannee River Valley Annette B. Land

Realtor GRI

annette.land@land-company.com

Office: 386-935-0824

1-(800)-426-8369

Fax: 386-935-3539

Cell: 386-208-2309

COVER HOME!

BEAUTIFUL HOME AND VIEW

Located directly on the Santa Fe River (Suwanee Co.). 3 bedroom, 2 baths. Upstairs entertainment porches, vaulted living room, dining room, and kitchen. Great entertainment house. Priced @ $295,000 Call Annette B. Land 386-935-0824

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12/20/2017 11:19:07 PM

Annette B. Land t/a Land Brokerage Realtor P.O. Box 394 - Branford, FL 32008

Annette B. Land

Specializing in sales of land in the Suwannee River Valley Billy Shows

Realtor GRI

annette.land@land-company.com

Office: 386-935-0824

1-(800)-426-8369

NEW LISTING! Cozy 3 bdrm, 2 bath on 2.5 acres. Many extras including screened in porch, 2 car garage, & 2 storage sheds. $130,000. Call Lawanna Gaylard for an appointment at 386-208-4443.

Realtor - Associate l

Fax: 386-935-3539

Cell: 386-208-2309

NEW LISTING! Lovely 3 bedroom, 2.5 bath on 2 acres located in Lafayette County. Priced at $159,000. Call Billy Shows for an appointment at 386-208-8547

Beautiful 2 story home located between Branford and Obrien 4BD 2 BA on 4 acres with storage shed and fishing pond. This property has many extras, one must see to appreciate. Priced @ $220,000. Call Annette B. Land SOLD! Mobile home on the Suwannee River 2BD 2BA mobile home on .68 acres located directly on the Suwannee River. Priced @ $150,000. Call Lawanna Gaylard for an appointment at (386) 208-4445. 10 Acres located in Suwannee County Property is between Mcalpin and Obrien, includes a well. Priced at $20,000. Call Annette B. Land for more information. Commercial property located right outside of Mayo, Florida on the corner of US-27 and CR 536. 5 acres total. Great location! Could be used for a new business project. $225,000. Call Billy Shows for more information at 386-208-8547 Two 30-acre properties located in O'Brien. One is in planted pines, the other is in natural growth/Hardwood. Call Norma Joynes for more information at 386-362-7289.

PRICE REDUCED

TEXT R448850 TO 52187

NEW LISTING! Beautiful 4 bedroom 2 bath rustic cabin sitting on 1.47 acres on the Suwannee River. Price Reduced @ $195,000. Call Annette B. Land for an appointment at 386-935-0824.

Beautiful 3 bedroom, 2 bath two-story home with wrap around porch near the Suwannee River. The house sits on 9.5 acres near the Hal Adams Bridge. Priced at $299,900. Call Billy Shows at 386-208-8547

Call Billy Shows at 386-208-8547

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12/20/2017 11:20:57 PM

386-362-4539 1-800-557-7478

info@poolerealty.com

127 E. Howard Street - Live Oak, FL

Visit Us Online at www.PooleRealty.com

DOWLING PARK

3 bedrooms, 2 baths. 2244 square feet Gorgeous home on the Suwannee River in 55+ community. MLS#99011. $289,900

MAYO

4 bedrooms, 2 baths. 2824 square feet Historical home built in 1910 aka The Mayo Mansion. MLS#99274. $175,000

LIVE OAK

3 bedrooms, 2 baths. 1531 square feet Very nice home on almost 1 acre in the city MLS#99258. $134,900

O'BRIEN

3 bedrooms, 2.5 baths. 2000 square feet Custom built BK cypress log home on 10 acres. MLS#99183. $389,900

LAKE CITY

2 bedrooms, 1 bath. 1303 square feet Rustic lake house! Beautiful views of lake. MLS#96196. $129,900

LIVE OAK

3 bedrooms, 2 baths. 1560 square feet Easy living in this top quality MFD home MLS#98306. $127,500

SOLD LIVE OAK

3 bedrooms, 2 baths. 1617 square feet Nice home in immaculate condition. Move in ready.

LIVE OAK

3 bedrooms, 2 baths. 2500 square feet Custom brick farmhouse on over 20+ acres MLS#99371. $360,000

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LIVE OAK

3 bedrooms, 2 baths. 1740 square feet Immaculate home in move in ready condition. MLS#97886. $250,000

LIVE OAK

3 bedrooms, 2 baths. 1984 square feet Exceptionally nice manufactured home on 3.5 acres. MLS#98006. $127,900

LIVE OAK

4 bedrooms, 2 baths. 2808 square feet Directly across the street from Twin Rivers Forrest. MLS#97536. $299,000

MCALPIN

3 bedrooms, 2 baths. 1568 square feet Like new home with tons of extras! 5 acres. MLS#99295. $250,000

12/20/2017 11:21:39 PM

ANNOUNCING...

LAKE CITY Sits up high on a hill and backs up to a lake. It's ready for your house plans so don't wait to make this location yours. Homes must have a minimum of 2,000 heated square feet.

Lake City's Newest Brokerage

6.20 Acres MLS#99493

Text R629936 to 52187 After 13 years of serving North Florida as a Top Producing Sales Associate, Teresa has opened her own Brokerage. Located at Morrells Furniture Complex. She wants to thank all of her customers for their continued support and invites you to stop by her new ofﬁce and enjoy a cup of coffee and a warm visit.

40 Acres MLS#99494 l $210,000

Text R574563 to 52187

MAYO. Beautiful mini farm. 3 pastures fenced & cross fenced with 32x39 covered shelter w/4 kennels & storage rm. Lrg man made pond & carport lrg enough for your boat or RV. Screened deck off the back overlooking picnic area & fire pit. 3 Bdrm l 2 Bath l 2028 SF MLS#99060 l $200,000

Teresa P. Brannon Broker TeresaPBrannon@gmail.com www.BrannonRealEstate.com 457 SW Deputy J. Davis Lane Lake City, FL 32024

$90,000

Text R629938 to 52187

Wishing everyone a very Merry Christmas and a Happy New Year! Mobile: (386) 365-8343 Ofﬁce: (386) 868-3366 Fax: (386) 868-0413

FORT WHITE Tucked away in South Columbia Co, the private wooded tract is perfect for hunting or building your personal retreat.

Sandy

KISHTON

Professionals Howard Street 4255406 SWW. Cambridge Glen LiveCity, Oak, 32064 Lake FLFL 32024 386-758-8900

386.344.0433

sandy@sandykishton.com

North Central Florida HOME & LIFESTYLE GUIDE

Partner With Me To Market You! 21910.18.1.005.indd 1

12/20/2017 11:22:03 PM

Professionals, Inc. 4255 SW Cambridge Glen - Lake, City, FL 32024

Jo Lytte 386-365-2821

Samantha Prueter 386-623-1217 www.SamanthaPrueter.com

View All Market Listings To Start Your Home Search! Text "JoLytte" to 85377 Text "Samantha" to 85377 O'BRIEN

Text R536546 to 52187

3 bedrooms, 2 baths. 1700 sq ft. 1 Acre. Nestled in the trees is this secluded newly renovated home. MLS#98802 - $134,900 Call Jo Lytte

JENNINGS

Text R636124 to 52187

LAKE CITY

Text R616235 to 52187

Prime location and room for expansion. Mobile home park has a good income ﬂow with potential for more. MLS#99362 - $210,000 Call Jo Lytte

JENNINGS

Reduced

Text R557075 to 52187

LAKE CITY

Text R610180 to 52187

5.64 acres Hwy 90 frontage. Sits on the corner of US 90 and 27th Rd. Fenced pasture with water connection. MLS#99323 - $84,600 Call Jo Lytte

Text R366480 to 52187

Text R409131 to 52187

Text R354056 to 52187

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Beautiful secluded 5 acres in Suwannee County! Existing well, septic and power already in place. MLS#97992 - $49,900 Call Samantha Prueter

JENNINGS

Reduced

Text R400178 to 52187

LAKE CITY

Text R280786 to 52187

1 bedroom, 1 bath. 525 sq ft. 5 Acres. Beautiful acreage in quiet country setting located on a dead-end road. MLS#98933 - $122,500 Call Samantha Prueter

LIVE OAK

LAKE CITY

3 bedrooms, 1 bath. 992 sq ft. In town location comes with a fully equipped salon that is included in the sale. MLS#97842 - $89,900 Call Jo Lytte

2 bedrooms, 1 bath. 816 sq ft. 0.114 Acre. Cute, updated home on corner lot. Screened front porch. MLS#99547 - $60,000 Call Samantha Prueter

4 bedrooms, 3 baths. 3473 sq ft. 5 Acres. Lots of space inside & out. Stone ﬁreplace. Full-length covered porch & more! MLS#96940 - $199,900 Call Samantha Prueter

JENNINGS

Five acre tract for your new home or mobile home. It has a well, septic, and power but not guaranteed. MLS#97200 - $34,900 Call Jo Lytte Reduced Text R400264 to 52187

3 bedrooms, 2 baths. 2217 sq ft. 4 Acres. REDUCED by $30,000!!! Enjoy this relaxing lakefront location in North Florida! MLS#97893 - $274,900 Call Samantha Prueter

MCALPIN

JENNINGS

3 bedrooms, 2 baths 2010 square feet. 12 acre farm in an air park community. Beautifully remodeled. MLS#97732 - $374,000 Call Jo Lytte

Reduced Text R400112 to 52187

Lots of uses! This 150 acre tract has approximately 50 acres in cultivation (currently leased) and the other 100 acres wooded. MLS#95206 - $427,500 Call Samantha Prueter

12/20/2017 11:24:33 PM

Crystal Bochnia Licensed Real Estate Broker 179 S. Duval Ave. Madison, FL 32340

Text: R638061 To: 52187

850.973.4458 cbochnia@yahoo.com MADISON Here's your chance to have investment property at a great price. Mobile home park that rents lot space only. Currently 12 mobile homes occupy the property with an income of $150 lot rent monthly for each home. Owner provides water and trash pick up. MLS# 285676. $100,000 Call Crystal Bochnia 850-973-7333

Visit Our Website:

www.MadisonRealtyGroupLLC.com

Text: R396720 To: 52187

JENNINGS Nice quiet area of Florida where you can get away from the fast lane and enjoy a home & 2 acres with access to private lake for boating & ﬁshing. Home has 3 bedrooms, 2 baths and a 2 car garage. Living area is open ﬂoor plan. MLS#286381. $179,000 Text: R593341 To: 52187

Call Ann Sapp 850-464-0671

Kellie Shirah

Text: R267823 To: 52187

MADISON Charming home you just have to see for yourself to appreciate! Located just outside downtown Madison, FL. This home has original hardwood ﬂoors, builtins, and butler pantry. A new updated kitchen with granite counter tops and a subway tile back splash. MLS#277390. $127,750 Call Sarah Pike 850-673-1292 MADISON Madison needs another Restaurant. This one is turn-key. Fronts US HWY 90 in Madison. Ready for operation with full kitchen. Large banquet room (38x15) with private entrance & windows. Nice (12x5) oﬃce w/windows. Large windows across the front and side. MLS#285475. $345,000 Call Beth Meggs 850-545-5184

Anita Kent Handy

(386) 208-3847

(386) 208-5877

kellie@kellieshomes.com

anita@anitahandy.com

View All Market Listings To Start Your Home Search! Text "KelliesHomes" to 85377 Text "AHandy" to 85377 Two Homes!

Split Level!

Minimal Restrictions!

Text: KelliesHomes To: 85377 Two newer homes on 4 acres. Ideal for a family homestead. Partially wooded, some fencing, garden area and convenient to Branford. Both homes have spacious kitchens, large island work area, W/I pantry and large master suites MLS#99522. $169,900. Call Kellie 386-208-3847

Text: KelliesHomes To: 85377 Spectacular split level home overlooking a large, natural, spring fed pond. Unique location, privately located at the back of a subdivision but only 2.5 acres is deed restricted, the other 10+ acres is not restricted. MLS#99388. $495,900. Call Kellie 386-208-3847

Text: KelliesHomes To: 85377 Great location, just south of Live Oak and convenient to Lake City. Open pasture land with paved road frontage. Minimal restrictions. Modular homes are allowed. MLS#97739. $29,500. Call Kellie 386-208-3847

Text: AHandy To: 85377 Custom 5B/3.5ba with 3,000+ sq ft nestled on 1 acre. Features include black stainless appliances replaced in Dec 2015, ﬂooring replaced Sept 2015, granite kitchen counter tops replaced April 2016 & a gas ﬁreplace w/ built-in entertainment center. MLS#98171 $322,900 Call/Text Anita Handy 386-208-5877

Text: AHandy To: 85377 Country setting! This 3 bedroom, 2 bath, 1,800 square foot home has a spacious kitchen, built in cabinetry throughout home with plenty of storage. Move-in ready. Air conditioner will be installed by seller upon closing. MLS#96649 $76,995 Call/Text Anita Handy 386-208-5877

Text: AHandy To: 85377 Four acres of wooded vacant land in Brannen subdivision. Mobile homes allowed (must be ﬁrst time setup). Close to shopping. $14,900 MLS# 98975 Call/Text Anita Handy 386-208-5877

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12/20/2017 11:25:07 PM

Marisol M. Brown Broker

Susan Enslow Realtor

100 Court St.reet SE - Live Oak, FL 2nd Floor - Ameris Bank - Suite #212 386-208-0447

386.209.3180

Text: R620624 To: 52187

386.590.2335

Text: R638032 To: 52187

LIVE OAK

4 bdrms, 2 baths. 1678 sq ft. Amazing view of Lake Peacock. Perfect for vacation or to live in MLS#99347. $179,100

Text: R593166 To: 52187

LIVE OAK

3 bdrms, 2 baths. 2085 sq ft. This is one of those homes that represents the history of Live Oak MLS#99485 $249,000

3 bdrms, 2 baths. 2226 sq ft. Large 1/2 acre lot. Great starter home. Not in ﬂood zone MLS#99059. $129,900

IA RC ME

M CO

Text: R593146 To: 52187

MCALPIN

E ER

20 Acres. This is simply a beautiful place! Thousands upon thousands of Koi ﬁsh! MLS#98729. $350,000

Text: R559833 To: 52187

Text: R620612 To: 52187

LIVE OAK

4 bdrms, 2 baths. 1,461 sq ft. 5 Acres Nice & secluded at the end of the Nice wooded lot. Not in ﬂood road. This is a must see! zone. Owner ﬁnancing available. MLS#98703. $229,900 MLS#98981. $30,500

Text: R349961 To: 52187

LIVE OAK

3 bdrms, 2 baths. 1,173 sq ft. 0.19 Acre. Fully remodeled. Close to everything! MLS#97710. $80,000

Taylor Goes Broker Associate

386-344-7662 Email: TaylorGoes@yahoo.com Website: www.taylorgoes.com

Text "TaylorsHomes" to 85377 to view all market listings!

Text: R563958 To: 85377

Prime Commercial Oﬃce Location! Located on HWY 90 in Lake City. Being used for 2 separate uses w/shared lobby area. Features 2288 Sq. Ft., 1 full bath, 3 half baths, 2 mini kitchens, private entrances & more. $229,000. MLS#98956

Text: P1094487 To: 85377

Beautiful 3/2 Brick Home In Ft. White-Features a large kitchen w/extensive cabinets & breakfast room, open ﬂoor plan, formal dining, ﬁreplace, huge master bedroom, in-ground screened pool, 5.01 acres & more $249,900. MLS#96887

Text: P1082000 To: 85377

Beautiful 10.65 Wooded Acres. Located close to the river and springs. Convenient Fort White location between Lake City and Gainesville. Priced to sell at only $45,900. MLS#96077

LAND-LAND-LAND 4 Acres - OBrien......................................$13,900 5.17 Acres - High & Dry............................$19,900 Text: R319917 To: 85377

8 Acres High/Dry-O'brien ....................... $25,900

9.61 Acres - McAlpin............................... $42,000 Beautiful 4/3 Brick Home Situated on 5.42 Acres. 10.65 Acres - Ft. White ........................... $45,900 Features a newer roof, upgrades through-out, formal dining, upgraded kitchen w/granite & 19.45 Acres - Hwy 129............................ $83,000 extensive cabinet space, mother-in-law quarters 48.86 Acres - Hwy 90.............................$319,900 w/bath, & more. Only $299,900. MLS#97518

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Text: R611074 To: 85377

Beautiful 3/2 Brick home situated on 5 acres. Features an open living area, ﬁreplace, spacious kitchen, formal dining, screened porch, fenced yard, shed/w electric-A/C & more. Priced at ONLY $259,900. MLS#99328

12/20/2017 11:25:25 PM

jefft@jefftippensagency.com

HITSON REALTY, Inc.

(386) 792-1688 www.HitsonRealty.com

P.O. Box 1089 - Jasper, FL 32052

Text: R563965 To: 52187 JENNINGS - $259,000 3 bedrooms, 3 baths. 1930 square feet Custom waterfront home. MLS#98971

Text: R504516 To: 52187 JASPER - $89,900 Beautiful wooded 40 acres MLS#98597

Text: R206047 To: 52187 JASPER - $82,500 3 bedrooms, 2 baths. 1232 square feet Located on 5 acres! MLS# 96606

Text: R413578 To: 52187 MADISON - $79,900 Beautiful 20 acre tract of land MLS# 93284

Text: R522004 To: 52187 WELLBORN - $79,900 3 bedrooms, 2 baths. 2032 square feet Large MFD home on 4.6 acres. MLS#98723

Text: R610183 To: 52187 JASPER - $19,900 Beautiful Withlacoochee Riverfront lot. MLS# 99324

www.HitsonRealty.com 21910.18.1.009.indd 1

12/20/2017 11:25:45 PM

The Real Estate Book Home & Lifestyle Guide of North Central Florida, Valdosta, GA & Surrounding Areas would like to wish all of our Brokers, Agents, & AfďŹ liates a

HappyNew Year Ronnie Layton Owner/Publisher

405-850-2984 ronnie.treb@gmail.com Partner with me... to market You

21910.18.1.010.indd 1

12/20/2017 11:25:54 PM

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HOME & LIFESTYLE GUIDE 21910.18.1.011.indd 1

12/20/2017 11:27:21 PM

AMPLIFY YOUR LEADS WITH PROPERTY TEXT CODES

MOBILE MARKETING IS TRENDING!

With 97% of consumers texting with their mobile phone at least once a day, it’s clear that text codes are superb lead generators. By texting the code listed on sign riders and in our magazine to 52187, home shoppers get instant access to more photos and property details, along with similar properties that may interest you. The Real Estate Book makes it simple and convenient for consumers to interact with your listings, and you get more prospects. It’s a WIN-WIN!

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Home shoppers are highly engaged with mobile tools throughout their home search: 57% of home buyers used a mobile device or app to search for a home** 66% found a home using a mobile app* 89% of home shoppers use a mobile device for the duration of their research** The average consumer uses their smartphone for about 186 minutes every day.*** *National Association of REALTORS® 2016 Home Buyer and Seller Generational Trends **User behavior data courtesy of NAR ***eMarketer, April 2016

12/12/16 1:13 PM

BUYING A HOME? FACTOR THESE INTO YOUR INTEREST RATE CALCUL ATIONS

By Liz Dominguez The mortgage process can be complicated if you jump in without any prior knowledge on home-buying and lending. The best tool you can arm yourself with is an understanding of how your mortgage interest rate is calculated. CREDIT CAN MAKE OR BREAK YOU.

Your credit score will determine how reliable you are in the lending world. The higher your score, the lower your interest rate will likely be. Check your credit on one of the three major credit reporting agency sites—TransUnion, Experian and Equifax—or your credit card company may have a free credit report service (although these aren’t as reliable). Improve your FICO score for a better chance at a lower interest rate. FACTOR IN SIZE & LOCATION

State or County: Even your place of residence can affect your rate. Local Mortgage Lenders: Shop around. Interest rates can vary from company to company even if they’re located in the same town.

Loan Size: The size of your home can also impact your interest rate. The bigger the loan, the higher your interest rate will be if you’re not putting more money down. Down Payment Size: Your mortgage interest rate may also depend on how much

you’re putting down and if your loan includes closing costs and private mortgage insurance (PMI). Putting down less than 20 percent can increase your risk factor and may require PMI, but your interest rate may be lower depending on the loan.

NOT ALL LOANS ARE CREATED EQUAL

Loan Length: Your loan terms play a bigger role in interest rate calculations than you think. Have you decided whether you want to pay off your loan in 15 or 30 years? You may pay more per month with a shorter term, but you’ll be paying less interest over the life of your loan. Shortterm loans may also have a smaller interest rate. Fixed or Adjustable: You’ll also have to consider whether a fixed, or adjustable-rate, loan is right for you. Your in-

terest rate can change over time if you choose an adjustable-rate loan. It may start off low or fixed, but can increase over time depending on market conditions. Fixed-rate loans, however, will have a higher interest rate attached to them. Loan Type: Interest rates can also vary according to your loan type. Choosing a loan can be overwhelming, but a local lender should be able to provide you with the best options. Some of the more

popular loans are conventional, FHA and VA loans. While FHA loans have less down payment restrictions and a smaller interest rate, your monthly payment can be more expensive due to the required PMI added on. VA loans can have smaller interest rates and don’t require PMI like FHA does. Conventional loans are widely accepted in the real estate industry as dependable, but your interest rate may be higher.

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12/20/2017 11:27:34 PMPM 11/30/17 2:34

Appraisal Disappointing? STEPS TO TAKE

r e you disappointed by the results of your appraisal? If so, don’t fret too much, you have options to explore, according to the Appraisal Institute. “Homebuyers and sellers should first understand what an appraisal is and how it’s used,” says Jim Amorin, president and acting CEO of the Appraisal Institute. “Real estate appraisals for mortgage finance applications are prepared for the bank or financial institution so they can better understand the collateral risk in making the loan. This can be confusing, because homebuyers typically pay for the appraisal and receive a copy of it.” In some cases, the appraisal may not match the contract price—but just because an appraisal comes in below (or above) the listing or contract price doesn’t mean it’s flawed, Amorin says. The agreed-upon contract price may be above market value, for example. In those situations, the buyer and seller often renegotiate the contract at more favorable or balanced terms.

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“Homebuyers should ask their lender for the qualifications of the appraiser, including whether they are designated by a professional association like the Appraisal Institute,” says Amorin. Only a qualified and competent appraiser should be chosen, as they know how to conduct a thorough market analysis and how to make appropriate adjustments. Homebuyers also can ask whether the appraiser is employed directly by the bank or whether the bank utilizes an appraisal management company, and what their procedures are for engaging qualified appraisers. “The best way for consumers to combat potential problems with appraisals is to ensure the appraiser hired by their lender is highly qualified and competent,” Amorin says. “Consumers have every right to demand the use of a highly qualified appraiser, someone with field experience in their market and knowledge and experience to handle the assignment properly.”

12/20/2017 11:27:51 PMPM 11/30/17 1:23

of appraisal reports no later than three days before the loan closes, so homebuyers should definitely obtain one before then. “Although appraisal review is best performed by qualified appraisers, consumers should examine the appraisal for potential deficiencies,” says Amorin. According to “Appraising the Appraisal: The Art of Appraisal Review,” common errors in appraisals include: misuse of adjustments to comparables; disregarding special financing and concessions; or miscalculation of gross living area (GLA). Amorin suggests consumers ask themselves:

“Contrary to incorrect interpretations of appraiser independence requirements, appraisers welcome information that would assist the development of credible assignment results,” says Amorin. If lender policies permit, consumers can accompany and follow along appraisers as they conduct the property inspection and may provide the appraiser with any information they consider important. Amorin suggests consumers ask their lender for permission to do so, and confirm the appointment. Consumers should also take note of whether an adequate inspection is performed. Did the appraiser spend enough time at the property to observe important features or improvements or potential problems? “Homebuyers should take advantage of their right to obtain a copy of the appraisal report,” Amorin says. Even though the appraisal is ordered to help assess lender collateral risk, buyers are entitled to a receive copy of the appraisal report to review and keep for their records. Federal regulations require lenders to provide property buyers with free copies

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Do adjacent homes add or detract from the value of the subject property?

Is the subject property equal to or lower in price than surrounding homes?

Does the floor plan have any functional problems?

Does the house (particularly the kitchen and bathrooms) require major remodeling to make it comparable with similar homes in the same price range? If so, how much would that remodeling cost?

Is the number of bedrooms and baths in the home comparable to similar homes in the same price range?

Did the appraiser perform an adequate inspection?

“Most lenders have appraisal appeal procedures, known as ‘Reconsiderations of Value,’” says Amorin. “If you’re aware of recent, comparable sales information or items that may not have been available or considered by the appraiser, provide those to the lender. If problems were found with the first appraisal, you can and should obtain a second appraisal.”

12/20/2017 11:28:07 PMPM 11/30/17 1:23

IS YOUR HOME PREPARED FOR AN EMERGENCY? If there’s anything we’ve learned over the years, it’s that Mother Nature is unpredictable and fierce, and that no one is safe from her path. Despite your best efforts to prevent it, sometimes disaster strikes. That means you should always be prepared for the unexpected. The right preparations and supplies will help you protect your family and your home. There are steps every homeowner could and should take to prepare for a natural disaster. Gold Medal Service, a New Jersey-based heating, cooling, plumbing and electrical service company advises taking the following steps to make sure your home is storm-ready: Waterproof low-lying areas. Basements are particularly susceptible to water issues such as flooding and leaks. Look into a variety of solutions, such as submersible sump pump systems, door and window sealing, waterproof sprays and interior drainage systems. If you live in an area with a propensity for flooding or rising water, have sandbags readily available in a shed or garage in case you need to build a dam around doors or windows. Install or inspect generators. While going without power may seem like an inconvenience, it’s actually a serious safety issue. For example, a HVAC system going out, or the inability to run fans in extreme heat can prove dangerous or deadly. A backup generator is a great alternative power source, however, make sure it’s professionally installed and periodically inspected. Also when running it, make sure it’s being run in a well ventilated or outdoor area to prevent carbon monoxide build-up.

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Have your heating system inspected. Make sure the flues and vents throughout your heating systems are clean and clear of debris. Blocked vents can cause a dangerous carbon monoxide build-up in your home. Have a professional conduct the inspection if you’re unsure how to do so. Install and inspect alarms. Carbon monoxide and smoke alarms are a life-saving must; however, if they’re not functioning properly, it defeats the purpose. Make sure the batteries are fresh so they can run in case of a power outage, and bring in a professional inspector to ensure everything is working properly. In addition to having your home’s systems inspected and ready to go, have the following in place for you and your family: Water, flashlights, extra food and other necessities, such as medicines and eyeglasses A solar charger for your cell phone A battery-powered radio A list of your city’s emergency shelters An updated insurance policy with adequate coverage, especially flood coverage A rehearsed plan for what your family will do in the event of an emergency

12/20/2017 11:29:45 PMPM 11/30/17 2:35

Improve Your Home’s Air Quality You may think about air pollution while you’re running alongside a busy road or strolling to your favorite coffee shop, but do you ever think about the pollutants inside your home? Between sleep and home hangouts, the majority of your time is spent between your own four walls. According to Aire Serv, you should regularly change the HVAC filter in your home to help improve indoor air quality. For ease, stock up on a few filters at a time and plan to check the filter monthly. Other considerations to keep in mind include:

Dust and vacuum often. It’s easy to put off dusting and vacuuming, but removing dust means you get rid of one of your home’s most prevalent pollutants. Instead of a feather duster, use a wet rag or electrostatic cloth to trap dust instead of spreading it around. When you vacuum, turn the thermostat setting to ON so the fan blows continuously, drawing up dusty air and filtering it before sending it back into the air you breathe.

Avoid chemicals. Everything from cleaning products and air fresheners to personal care items give off harmful vapors that become trapped in your home. Avoid chemically laden products and choose non-toxic, non-aerosol, unscented products instead to promote good indoor air quality.

Utilize existing spot ventilation around your home. For example, run the bathroom exhaust fan when you shower and clean; flip on the kitchen range vent when you cook and clean; and turn on the laundry room exhaust vent when clothes are drying. These habits help you eliminate pollutants at the source.

The air filter in your furnace should be cleaned or replaced at least once every three months. Irritants and allergens such as pollen, pet dander, dust mites and more build up in dirty filters, increasing exposure and worsening the effects on those with sensitivities.

If your furnace uses natural gas, propane or oil to keep your house warm, the air quality in your home could become contaminated by dangerous carbon monoxide gas. If not properly and adequately ventilated, its build-up in your home can be deadly.

Run an air cleaner. A small portable air cleaner is perfect for your bedroom at night while you sleep. This device collects airborne dust and debris, leaving the air cleaner than ever. If you opt for a wholehouse model, it replaces the air filter. This type of installation is known to decrease asthma and allergy symptoms.

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Guide to Choosing Siding & Shutters That Don’t Clash By Megan Wild

It’s time to redo the exterior of your home. The place is looking a bit worn, and you’ve seen how a fresh coat of paint and updated colors can transform a structure. You’re considering going bold, maybe it’s time to shake things up. Then again, you don’t want to overstep bounds and glaringly stand out either. You begin to notice the color combinations on other houses. In fact, you’re kind of obsessed. You note a soft sage green home with butter yellow trim and realize that — while you would never have chosen those colors — you love the way they look. You pass a stately white home with long black shutters and consider how that classic combination enlarges the home’s appearance. We’ve compiled several tips to help you choose the siding and shutter color combination that’s right for you and lends the updated look you desire.

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Style

First, look at your home objectively and identify its architectural style. Is it a simple, boxy home with clean lines? Or perhaps ornate with lots of decorative detailing? Plain, uncluttered exteriors look best when painted with a straightforward one-two color combination. Uniformity of color matches the regularity of home construction. More elaborate house styles may call for between 4-6 different colors. Next, observe your home critically in the outside light. Does the house stand in full sun much of the day? Are there sections of perpetual shadow? How do you expect bright light or shade might alter the appearance of your color choice?

Location Do you live in a beach community? Does your home sit on rural land, or in suburbia? Certain color combinations look best depending on the geographic location of your structure. You wouldn’t paint a farmhouse teal, for example, but against the backdrop of water teal perfectly complements a marine palette. If your home is rural, take color cues from the earth. Bronze-brown, russet red and deep forest green all reflect natural surroundings, and confirm their place in it. Dark colors also tend to make a structure appear smaller. In a rural setting, this leaves more visual space for the beauty of adjacent fields and woodlands. Suburban home color combinations can go bold, but remember that community feel comes into play. You don’t want to stick out significantly from your neighbors. In fact, some homeowner associations won’t allow it. And if you are thinking about putting your home on the market, you want to stay with colors that appeal to a wide variety of potential buyers.

History Consider the history of your home. Do you know there are color charts designated explicitly for historic structures? If your house is old, honor its origin with color combinations unique to the period in which it was built. And if you reside in a historically preserved area, your home’s updates will play an essential role in enhancing the entire district.

Trial Once you’ve come up with likely color combination candidates, it’s time for a trial run, or two. After all, this is a decision you’ll be living with for a while. First, print out pictures of your house in broad daylight. Bring those images to the paint store and compare color chips directly. Seeing small-scale combinations right up against the image of your home may narrow your final contenders. Next, buy tester-size canisters and paint small areas of the house. You’ll probably be surprised to see hues change as the paint dries. You may also note significant color differential in shady spots as opposed to areas with full sun. Most homeowners choose different shades, either lighter or darker, after direct application tests. Once you’ve finally determined the siding and shutter color combination that’s right for you, you can rest assured knowing it also ties together your home’s unique style, location and history. Now, that’s a good vibe!

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12/20/2017 11:30:58 PMPM 11/30/17 1:23

HOW-TO UPGRADE YOUR E N T R Y W AY B Y ZO E EI SEN B ER G

They say first impressions matter, and the entryway of your home is the perfect example. As a part of your foyer area, an entryway can make or break your homeâ&#x20AC;&#x2122;s appearance. Below are some helpful tips for making sure your space wows you-and your guests-- every time you enter. KILL CLUTTER. Clutter is a huge no-no in your entryway, as it impacts the entire vibe of your space from the moment you set foot in the door. However, this can be hard, as the entryway is the space you dump your keys, mail, boots and coat. To remedy this, make sure you have designated, tucked away spaces for everything you store at the entrance of your home. Hooks for coats, baskets for mail, a covered bin for shoes can all work wonders. As a bonus, this will also prevent you from losing the things you need the most when the time comes to head out. ADD A STATEMENT. Placing a beloved piece of art or furniture in the mouth of your home is a great way to appreciate it every time you enter, and can offer a fantastic conversation starter between you and guests. Decorative mirrors, abstract art, and pictures are all ways to implement a statement piece. HAVE A SEAT. Whether itâ&#x20AC;&#x2122;s a plush chair or a simple bench, a seat in your entryway is great for roosting as you tie your shoelaces, and makes a perfect place for attractive accent pillows. LIGHT IT RIGHT. Good lighting in your entryway is a must. Add an attractive lighting fixture, set up a dimmer for mood, and a floor or table lamp for added options. PERSONAL TOUCHES. Placing photos of your family and pets in your entryway can add a nice personal element and warm your heart every time you pass by.

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Se ll ing ?

5 TOP MARKETING TIPS FROM TOP AGENTS 1. GOOD PHOT OGRAP HY In most instances, buyers see photos of your home before they see your home in person. Take well-lit, HD photos to spark the most interest in your home.

2. DON’T RELY SOLELY ON THE WEB TO SELL YOUR HOME Lots of people shop on the web for homes, and there are lots of homes on the web. Stats say that 65 million shop for homes in the U.S. every month. However, only 5 million homes are sold in the U.S. every year. It’s a very crowded space, and your home should be on as many sites as possible. Make sure your agent also takes advantage of targeted print when advertising your home. More on this later...

3. MAKE SURE YOUR AGENT INCLUDES MOBILE TECHNOLOGY IN YOUR MARKETING PLAN

4. MARKET YOUR HOME OFFLINE—LOCALLY Good agents know where potential buyers of your home live, work, shop and play. They use local real estate publications, targeted direct mail, brochures, and other tools to ensure your home gets in front of local home buyers.

5. KEEP YOUR HOME LOOKING GOOD Part of the marketing plan for your home is in your court. This includes how potential buyers perceive it when they walk through the door. Living in a home and keeping it ready to show is a challenge, but it will pay off when buyers find your home more attractive than others they may be considering.

Today, we rely on our phones to look up everything, including real estate. Your home should have a marketing plan that includes mobile tools as a significant element. For example, your home should have a yard sign with a text code on it so that potential buyers driving by can look it up on their phone right away.

Put simply, don’t wait around for homebuyers to find you. Get out there and find them through advertising—both online and offline.

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SEARCH FOR YOUR NEXT HOME ON THE GO! Whether you’re driving around, flipping through magazines or searching online, it’s now easier than ever to find your dream home.

Text the code listed on the sign rider or in the magazine to 52187. You’ll immediately receive a response that links to more photos and property details, all of which can be viewed from your mobile device.

The Real Estate Book makes it simple and convenient to interact with your favorite listings and connect with qualified real estate agents.

TRY IT TODAY! 16P1669_NPMG_TREB_TextCodesFlyer_Digest_V2.indd 1

12/7/16 10:36 AM

COUNTRY RIVERS Realty, LLC

7699 S.W. US 27 â&#x20AC;˘ FORT WHITE, FL 32038 - CRR@COUNTRYRIVERS.COM

386.497.3305 Text R631946 to 52187

www.countryrivers.com Text R523609 to 52187

ADORABLE COTTAGE HOME

ADORABLE TOWN COTTAGE

A complete facelift has made this a shining star that you will enjoy for years to come. Granite counter-tops, solid wood cabinets, worry free laminate/ composite floors, roomy bedrooms with a spectacular screened living room. Nicely wooded for shade and trails through the woods to enjoy nature. Paved road is a huge plus and just around the corner - easy walk to Hodor Park on the Ichetucknee. MLS# 99521. $139,000

Located in the heart of Live Oak, FL. Perfect starter home or just right for the retiree who wants to be close to everything. This home also has terrific rental potential! Two Bedrooms with a living room and cozy family room that has a wood burning stove. Large storage or workroom that could easily be converted into living space. MLS#98736. $75,000

Text R605265 to 52187

Text R443763 to 52187

GORGEOUS CUSTOM BUILT HOME

WELCOME TO SMALL TOWN USA!

Towering ceilings and lots of windows to let the beautiful natural surroundings inside. Large Master down w/ huge walk in tiled shower, custom imported fixtures. Second floor loft/bedroom w/ storage or extra rooms. Ballroom size living/great room, cozy office or den, Chef's kitchen w/ island and custom built cabinetry. Just 2 blocks from Hodor Park on the Ichetucknee but out of flood zone. Paved road! HOA gives access to all Ichetucknee and Santa Fe River parks. Easy commute to Lake City or Gainesville. MLS# 99278. $199,900

This private 5 acres is perfect for living the country life but still only 5 minutes from town. Roomy 3 bedroom w/ den, cozy living room w/ fireplace and open kitchen layout make this home a winner. Enjoy watching the deer from the covered porches on both front and rear. Nice workshop/storage area and a double carport. Very little traffic (end of culde-sac) and plenty of elbow room. MLS# 98181. $139,000

Text R619551 to 52187

Text R620422 to 52187

ADOKRABLE BUNGALOW ON 2 LOTS

Located in homes only / river access subdivision of Ira Bea's Oasis! Enjoy a leisurely stroll to the private park for fishing and swimming or load your boat at the private boat ramp. Enjoy community gatherings in the park and nights around the campfire listening to music on the bandstand. The home is a comfortable 2 bedroom that features a large living room with vaulted ceilings and stone fireplace. Kitchen is centrally located with wood cabinets and open beam trusses. Nice sized bedrooms. Both lots have well and could be divided. Peaceful and quiet area to enjoy nature and the Santa Fe River without worry of flooding. This property has never flooded! MLS# 99399. $84,900

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3 BR, 2 BA, 1981 DWMH ON 1.45 ACRES

Located just 5 minutes from Ichetucknee Springs State Park (Head Springs) with easy access to Lake City. Beautiful lot with scattered trees and completely fenced with chain link. Home is solid but ready for finishing touches. Terrific project for handyman - great rental potential. MLS# 99404. $49,900

12/20/2017 11:38:45 PM

A Main Street Realty Co., LLC 850-973-2221

186 SW Range Ave - Madison, FL 32340 Jessica B. Webb - Licensed Real Estate Broker

www.YourMainStreetRealty.com Text "MainStreet" to 85377 to view all market listings!

Text: R631405 To: 52187

Text: R570932 To: 52187

MADISON. Great location near beautiful Cherry Lake. Historic Cherry Lake Cottage just needs a little TLC to make it a perfect home or get away spot. Original doors and hardware provide nostalgic charm and a large country kitchen is perfect for family gatherings. MLS# 288111. $72,500

LEE. This almost new mobile home sits on three shady acres and provides lots of peace and quiet. There is currently a run-in barn with chicken coop in place so you can have your own fresh eggs if you desire, and there is plenty of room for other animals as well. MLS# 286548. $105,000

Text: R523677 To: 52187

Text: R623592 To: 52187

MADISON. Over two acres with lake frontage on beautiful Cherry Lake in north Florida! The double wide mobile home sits across the road, but just a few steps away is over an acre of your own property right on the lake. Enjoy about 70 feet of lake access. MLS# 285530. $159,900

LEE. Great location in rural north Florida, this mobile building sits on over three acres. The building was formerly a portable classroom, but has been renovated into office space. With further renovations, it can be made into a home or whatever your heart desires. MLS# 266377. $35,000

Text: R154197 To: 52187

Text: R516735 To: 52187

MADISON. Lovingly maintained 3/2 MH on .78 acre lot. Spacious living area featuring a great room concept. Nice size yard allows ample opportunity for cookouts, picnics and Bar-B-Qs. Close to I-10 for easy travel. Priced to sell, this property won't last long. MLS# 267314. $60,000

MADISON. Bring your toolbox and imagination and restore this grand home back to it's glory days! A new roof has just been installed, and the original bones are still evident when there were wide hallways and verandas and plenty of room for an extended family. MLS# 285328. $62,000

Text: R509372 To: 52187

Text: R607916 To: 52187

GREENVILLE. Beautiful home that still looks & feels brand new! Immaculate double wide mobile home sits on half-acre w/fenced backyard. Shiny vinyl floors look like hardwood and offer easy maintenance, and the open floor plan provides the perfect cozy setting. MLS# 285112. $63,500

MADISON. This mini-farm is unbelievable! Besides an amazing home, this 10+ acre homestead consists of a variety of fruit trees, herbs, large metal barn w/concrete floor, 30'x96' solar powered greenhouse, covered chicken coop, garden patio, and more. MLS# 287466. $284,500

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12/20/2017 11:39:00 PM

www.ThigpenandAssociates.com 673A East Base St., Madison, FL 32340 850-973-3500

BRYANT THIGPEN Broker/Owner

850-464-0114

Bryant@ThigpenandAssociates.com

PERRY - $125,000. If you're looking for a stellar home in the quiet part of town, this might be just right for you! This 3/3 home is located within a very short distance to shops, restaurants and historical sites. A new roof was installed this year. MLS# 286170 Text THIGPEN to 85377 FOR MORE INFO

LEE - $18,000. Live near the end of a dirt road where peace, quietness and seclusion can be found! This two-acre tract in Lee, Florida is ﬁlled with mixed timber and is ready for your development. Owner is willing to ﬁnance!!! MLS#287709 Text THIGPEN to 85377 FOR MORE INFO

LEE - $89,000 2009 3/2 Jacobsen MFD Home w/1,512 SF on 5.01 acres of wooded land. Open plan w/spacious living rm, dining area & spacious kitchen w/lots of cabinet space. Peaceful and quiet, having all the freedom to yourself and a great way to be at one with nature. MLS#283472 Text THIGPEN to 85377 FOR MORE INFO

MADISON - $276,500. One of the most beautiful economic investment opportunities in North Florida! This 79.4 acre lot has been used to harvest pine trees, soy beans, corn, peanuts and much more. The possibilities are endless! You MUST see this property for yourself! MLS#286827 Text THIGPEN to 85377 FOR MORE INFO

LEE - $160,000 Built in 1977, this beautiful brick 3/2 home is right off US 90, just outside the Lee city limits. It's spacious in size (2,059 sq. ft.), and features large bedrooms with handicap accessible bathroom attached to the master bedroom. MLS#287049 Text THIGPEN to 85377 FOR MORE INFO

GREENVILLE - $69,900 Here's your opportunity to live in one of the most prestigious areas of Madison County! Past the gorgeous plantation you'll come across this freshly remodeled 3/2, which sits on a three-acre lot MLS#286302

REDUCED ETHAN BROOKS Sales Associate

229-977-0595

Ethan@ThigpenandAssociates.com

Text THIGPEN to 85377 FOR MORE INFO

TEXT "THIGPEN" TO "85377" TO VIEW ALL MARKET LISTINGS

Missy THE

Blaiyze Neeley 386-965-0091

ZECHER TEAM 386-623-0237 missyzecher@gmail.com

Professionals, Inc.

Text: R632143 To: 52187

Text: R638037 To: 52187

Text: R627593 To: 52187

Text: R563966 To: 52187

0.336 Acre Conveniently located close to everything. MLS#99092. $15,000

Great for someone looking to open a business downtown MLS#99451. $43,000

4 bdrms, 2.5 baths. 1452 sq ft. Alligator Lake Frontage! 2.5 Acres MLS#99465. $135,000

3 bdrms, 2.5 baths. 1876 sq ft. Beautiful colonial style farmhouse MLS#98966 . $199,000

Text: R618353 To: 52187

Text: R629935 To: 52187

Text: R622709 To: 52187

Text: R625587 To: 52187

3 bdrms, 2 baths. 1863 sq ft. Cozy home on 4+ acres MLS#99386. $229,000

4 bdrms, 3 baths. 2601 sq ft. Spacious home on 5+ acres MLS#99491. $290,000

4 bdrms, 3 baths. 2843 sq ft. Executive home on 15+ acres MLS#99416 . $385,000

4 bdrms, 3.5 baths. 3911 sq ft. Executive pool home on 10 acres MLS#99382 . $475,000

LAKE CITY

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JASPER

LAKE CITY

LIVE OAK

www.MissyZecher.com

MCALPIN

LAKE CITY

12/20/2017 11:40:07 PM

Hallmark REAL ESTATE OF LAKE CITY, INC. 540 West Duval Street Lake City, FL 32055

386.755.6600 Toll Free 877-755-6600 hallmark01@comcast.net

WWW.HALLMARKLAKECITY.COM Text: R557640 To: 52187

LAKE CITY

3 bedrooms, 2 baths. 2011 square feet Perfect dream layout in that highly desirable neighborhood you were looking for. MLS#98624 - $279,900

Text: R567920 To: 52187

LAKE CITY

Text: R611076 To: 52187

LAKE CITY

4 bedrooms, 3.5 baths. 2248 square feet Homes like this are scarce. This home has been completely updated! MLS#99329 - $154,900

Text: R593223 To: 52187

LAKE CITY

4 bedrooms, 2 baths. 2484 square feet Magnificent home with breathtaking view. Option to purchase adjacent 5.45 acres, perfect for pasturing your new or presently owned horses. MLS#98999 - $267,000

3 bedrooms, 2 baths. 1656 square feet Walking into this brand new home will dazzle you. Stunning master bath. 2.01 Acres MLS#98982 - $217,000

Text: R563951 To: 52187

Text: R563937 To: 52187

LAKE CITY

3 bedrooms, 2.5 baths. 2320 square feet Beautiful all brick home in a very quiet neighborhood ready to move in. . Large open scenic lot. This is a true pleasure to show. MLS#98893 - $234,326

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WELLBORN

4 bedrooms, 3.5 baths. 2761 square feet Exclusive equestrian area. Fully equipped farm. Large trees & pasture that is fenced & cross-fenced MLS#98276 - $449,000

12/20/2017 11:53:10 PM

COMFORT â&#x20AC;&#x201C; CONVENIENT - POOL

4 BED 3 BATH 1 ACRE!

UPDATED & READY FOR YOU!

AND ROOM TO SPARE This brick home has it all, a wood burning fireplace with gas insert for those cool nights, a screened in INGROUND pool pool,, covered ered sitting area for relaxing, carpet, hickory flooring, LARGE KITCHEN, smooth surface counter tops, tile, granite baths, security system, sprinklers, a 2 car garage, a detached garage/workshop, oversized laundry room, and extra storage in garage and much more. MLS#99523

A rare find: a spacious & clean home on one acre in the country, paved roads all the way!!! Kitchen is open. Master bedroom features an additional sitting area to be used for nursery or home office or weight room. Home has Wood burning fireplace less than one mile is a Community Center MLS#98406

This all brick home located close to schools has a new roof s, a new kitchen with solid wood cabinets cabinets and stainless steel appliances an open floor plan, fenced yard, and a bonus office space/florida room. A MUST SEE for the family or retiree. retiree.. MLS #99125

1 ACRE HOME REMODELED CONVENIENTLY LOCATED WESTSIDE SCHOOLS.

This 3 bed & 2 bath home has new kitchen, baths, paint inside and out, new metal roof LARGE living room and family room and a large back yard make it fun for the family. All for $115,000.

LIVE OAK. Quintessential old Florida homestead! Generations of the same family has held title to this property and much history exists here. Vintage wood frame and rough cut saw timber home believed to have been built around 1901 would be a classic once restored. 105 Acres mix of planted pines & hardwoods. MLS#99435 - $410,000 Text: R623511 To: 52187

LIVE OAK. Beautiful, well maintained property in gated airpark with 3 concrete slabs to tie down your aircraft after landing on the grass runway. Exceptional landscaping outside, many upgrades inside, including taped and textured walls, built in cabinets in living room, and upgraded cabinets in the kitchen. MLS#98696 - $189,900 Text: R518027 To: 52187

WELLBORN. 5 bedrooms and 3 baths on 15 acres in the beautiful rolling hills area on CR 252 in Wellborn. This is in the highly desirable location between Live Oak, and Lake City! No deed restrictions or HOA, nice pretty property with towering trees and seclusion from the road. MLS#99402 - $153,700 Text: R619794 To: 52187

LIVE OAK. LIVE IN TOWN- with all the conveniences. See this 4 bedroom, 2 bath quaint home which has a nice sun room, eat-in kitchen with tons of cabinets, nice living room with large windows and bedrooms for everyone! This home has many upgrades! The yard is a gardeners dream! MLS#99384 - $115,000 Text: R618352 To: 52187

L ANDS O F N ORTH F LORIDA . COM 406 W. Howard Street - Live Oak, FL 32064

386.330.5332

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12/20/2017 11:53:49 PM

JACKIE TAYLOR 386-752-4663

jackiegri@jackietaylorassociates.com

Text: R224958 To: 52187

BRANDFORD. Granite countertops in this very large kitchen awaits you in this home. 1900 sq ft 3/2 sitting on 11.23 acres. just outside Branford with open floor plan, master suite w/very large closet and built ins! Close to Sante Fe River. MLS#93492. $124,900

Text: R348957 To: 52187

LAKE CITY. If you have seen this before you need to come see it again. Completely updated in 2017 w/all new SS appliances. Master bedroom with built-in wall shelves. Master bathroom with whirlpool & steam jet shower. MLS#97698 . $99,000

Text: R372451 To: 52187

LIVE OAK. Immaculate 3/2 this home is one of a kind, features include a cooks dream kitchen w/pull out sliders in most cabinets. New Stove, hdwd flrs, carpet, doors, upscale new master bath w/ jets, closets galore, security system. MLS#97880. $239,900

Text: R511245 To: 52187

LAKE CITY. Newly remodeled Large 2/2 1596 sq ft. in desiredEastside Village 55+ community, monthly assoc fee $35, close to community pool, social hall and fitness center. New Allure flooring throughout. Inside laundry room. Amazing storage, MLS#98649. $128,000

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128 SW Birley Ave Lake City, FL 32024

Text: R313165 To: 52187

LIVE OAK. 3/2 1620 sq ft DW built in 1998, on 8.64 acres, Kitchen remodeled, Wood tile floor, Fireplace, Paint,Stainless Steel Appliances still under warranty, Large master with tub and W/I shower. MLS#97454. $128,900

Text: R370183 To: 52187

O'BRIEN. Move in ready, Purchased new construction.3/2 1384 sq ft. Paved driveway 2 car garage. Back yard completely fenced. Paved rd frontage on cr 49, Branford schools, centrally located between Live Oak & Lake City, & Branford. MLS#97869. $154,000

Text: R516580 To: 52187

O'BRIEN. Very Nice 3/2 home 1248 sq ft, Located in North Florida Christian Center. Home is mostly furnished move in ready. Nice deck, back fenced area for your pet. No HOA in this community. MLS#98687. $89,900

Text: R554822 To: 52187

LIVE OAK. 2/2 swmh with Large Florida Room, divided in half, one half is a work room other half in a bedroom. Corner lot 2 sheds, metal roof, lots of kitchen cabinets. Yard has some fencing in back door, has a doggie door. MLS#98921. $65,000

12/20/2017 11:54:09 PM

Denise Milligan-Bose Realty, Inc. 2230 SE Baya Drive #104 - Lake City, FL 32024 Ofﬁce: 386-438-5627

Denise Milligan-Bose

386-397-3313

BJ Federico

386-365-5884

Member of the National Association of Residential Property Managers

Text: BoseRealty To: 85377 to View All Market Listings

UPSCALE PLANTATIONS Live in the Plantations! Gorgeous custom brick home on .5 acres. Beautiful inside & out with wood ﬂoors, crown molding, cherry cabinets plus more & features great room patio adjacent to pool & spa along with a vaulted ceiling ﬁreplace. MLS#99054 $325,000 Text R583864 to 52187

COUNTRY SETTING CLOSE TO TOWN

3 bedroom, 2 bath home in excellent condition ready to welcome new owners. Greatroom with ﬁreplace and brand new back yard deck to enjoy the outdoors. Tiled ﬂoors throughout. MLS#97637 $139,900 Text R340164 to 52187

CLOSE RIVER COMMUTE Move to Three Rivers Estate! 3 bedroom, 2 bath remodeled Double wide mobile home on almost 1 acre. Spacious rooms, new ﬂooring and new roof. Next best thing to living on the river. MLS#98449. $98,900 Text R481128 to 52187

55+ IN EASTSIDE VILLAGE Spacious 2 bedroom, 2 bath manufactured home with beautiful oak cabinets, breakfast nook; dining room with built in hutch and much more! Separate hobby room with heat and air. Located in a 55+ community. MLS#98702. $79,900 Text R518691 to 52187

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FISH FROM YOUR BACKYARD Nice Spacious Double Wide Mobile home on 19.93 beautiful country acres. Bring your family, horses and pets. Lots of room to roam. MLS#98180 $163,900 Text R447335 to 52187

RENTAL INVESTMENT Large 2 bedroom, 2 bath brick home on a private dead end street with wood ﬁreplace and pool. Property also has 3 rental SWMH’s on the adjacent lot. Live on the Property and be your own landlord. MLS#99367. $125,000 Text R615391 to 52187

FULLY FURNISHED This home is fully furnished so bring your welcome mat! Located in a 55+ Active Retirement Center with clubhouse, in-ground pool and lots of planned activities. MLS#99155. $93,000 Text R608667 to 52187

55+ IN EASTSIDE VILLAGE Almost no maintenance with this very nice 2 bedroom, 2 bath home with open ﬂoor plan upgraded, screen porch with workshop oﬀ carport. MLS#98701. Reasonably priced at $69,900 Text R518701 to 52187

12/20/2017 11:54:36 PM

The Eagle Team Susan Eagle

386.623.6612

susanholton@bellsouth.net

Tom Eagle

386.961.1086 tomeagle45@gmail.com

Text: SusanEagle To: 85377 to View All Market Listings

HIGH SPRINGS

LAKE CITY

Like new 3/2 w/spacious kitchen, living room, and dining room plus family room. Bedrooms are large and roomy. Newer roof, septic, well, A/C, flooring, appliances, all in 2017. Tucked away on 2 acres w/ nearby boat ramp and river. High & Dry. MLS#99326. $115,000 Call Susan 386-623-6612

40 acres MOL, zoned for 80 units. Has existing 2902 sq ft home. Property borders the Preserve at Laurel Lakes. MLS#93714. $795,000 Call Tom 386-961-1086

LAKE CITY Cape Cod style home. 3/2 on 1 acre with large fenced back yard. Master suite is located downstairs and 2 bedrooms and bath upstairs. Large living area and dining. Lots of storage areas. 1 car garage. Priced to sell! Seller says make offer! MLS#98846. $139,000 Call Susan 386-623-6612

Very nice units in good area on west side of Lake City; Metal roofs installed 2017, 4 units have garages; all units on 1 year lease; owner will consider holding mortgage to qualified buyer (6 UNITS TOTAL - 12 RENTALS) MLS# 81543. $695,000 Call Tom 386-961-1086

LAKE CITY

You will love the country feel of this move in ready traditional style, custom home w/wrap around porch & 4BR/2BA plus 2 half baths. Spacious kitchen overlooks family room w/cozy fireplace. Formal living & dining rooms for family dinners and entertaining. Private bedrooms upstairs & a large bonus room waiting for you to decide how to utilize. Enjoy the back deck overlooking neighboring pastureland. 1.07 acres offers space for future outbuildings. This beautiful home has a lot to offer. MLS# 99121. $225,000 Call Susan 386-623-6612

FORT WHITE

Large solid, home w/formal areas, family room w/fireplace, 3/2, tile baths, wood vinyl flooring installed September 2017, freshly painted, ready to move in. 20 acres w/barn, workshop/guest house. Make this your home today. MLS#99007. $249,000

Susan - Edited.indd 1

LAKE CITY

Over the last 5 years, the duplexes have been updated with a new roof, tile floor, paint, light fixtures, etc. management in place, excellent cash flow MLS#97908. $4,802,000 Call Tom 386-961-1086

LAKE CITY

Excellent property on main thorough fare. Lots of potential, many uses. Former restaurant. Owner will consider leasing also. MLS#93922. $695,000 Call Tom 386-961-1086

12/22/2017 9:08:13 PM

2806 W US Hwy 90 #101 Lake City, FL 32055 www.danielcrapps.com

1-800-771-5110 386-755-5110

MLS#96710

Text: R400161 To: 52187

LAKE CITY (COLUMBIA COUNTY) UNDER CONSTRUCTION 3BR/2BA HOME W/2,040 SQFT $237,500 DANIEL CRAPPS 386-397-3002

MLS#99260

Text: R601994 To: 52187

LIVE OAK (SUWANNEE COUNTY) GREAT INVESTMENT ON BAR IN GREAT LOCATION! $188,000 DANIEL CRAPPS 386-397-3002

MLS#96422

Text: R400133 To: 52187

O’BRIEN (SUWANNEE COUNTY) SUWANNEE RIVER FRONTAGE! 24+ ACRES – MUST SEE! $219,000 DANIEL CRAPPS 386-397-3002

MLS#98278

Text: R458516 To: 52187

LAKE CITY (COLUMBIA COUNTY) VICTORIAN-STYLE OFFICE BLDG IN DOWNTOWN LOCATION $184,500 DANIEL CRAPPS 386-397-3002

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MLS#98675

Text: R513992 To: 52187

WELLBORN (SUWANNEE COUNTY) PRICE SLASHED ON COUNTRY-STYLE RESTAURANT $130,000 DANIEL CRAPPS 386-397-3002

MLS#98910

Text: R553432 To: 52187

LAKE CITY (COLUMBIA COUNTY) 2-STORY INCOME PRODUCING COMMERCIAL BLDG $179,900 NATALIE HANEY 386-208-4336

MLS#99190

Text: R595557 To: 52187

LIVE OAK (SUWANNEE COUNTY) CUSTOM-BUILT 3,657 SQFT 4BR/3.5BA BRICK HOME 5 ACRES $397,000 DANIEL CRAPPS 386-397-3002

MLS#97694

Text: R400221 To: 52187

LAKE CITY (COLUMBIA COUNTY) UNIQUE ARCHITECTURAL DETAILS IN THIS 3BR/2BA $199,000 KATRINA BLALOCK 386-961-3486

12/20/2017 11:56:07 PM

John W. Hill Broker Senior Auctioneer

386-590-1214

(386) 362-3300

AB2073 AU 2847

6212 US Hwy 129 N Live Oak, FL 32060

www.jwhillauctions.com

LAND/ACREAGE FOR SALE

1 Acre in Greenbriar Subdivision located close to town (site built homes only). MLS#96400. $23,999 0.97 Acres not far from the river. Great for recreational use or build a small cabin. $9,999. MLS#96428 0.57 Acre in Live Oak. Very convenient for commuters, homes only subdivision, very close to town, schools, shopping. $44,888. MLS#94551

JENNINGS

North Florida Country Lake Front Living At its BEST! Extraordinary English Tudor Home features crown molding, open ﬂoor plan, surround sound speakers. Hardwood & carpet, master chef kitchen complete w/upgraded appliances, granite counters, bfast bar, formal dining area, Living rm has stone faced, gas FP & wet bar. Lg. master bdrm w/lighted Jacuzzi tub, huge walk in tiled shower and a one of a kind walk in closet. Bedrooms are all over sized. Lg. covered back porch that looks down to a beautiful lake. Feels like an old English estate. Within 10 minutes of I-75 and less than 30 minutes from Valdosta Ga. $290,000. MLS#99552

FORT WHITE

Income producing property. Large, spacious kitchen w/jenn air cooktop stove, pull out cabinets. Large windows all around, master bath w/jetted tub, step in shower, dbl vanity & French doors to detached building. $209,000. MLS#96555

Text R232389 to 52187

O'BRIEN

20 Beautiful Acres in O'Brien. Within 10 minutes of The Suwannee River and within 10 minutes MOL of Live Oak or Branford. Perfect for you dream site built or mobile home MLS# 98089. $65,000

Text R525009 to 52187

JOHN HILL, NORTH FLORIDA'S AUCTIONEER UPCOMING AUCTIONS:

MONTHLY CONSIGNMENT AUCTION JANUARY 6TH AT 9AM LOCATION: 6212 US HWY 129 N - LIVE OAK, FL Monthly Consignment Auction Accepting quality consignments the week of

January 1st - 5th.

JANUARY 20TH AT 9AM LOCATION: 4521W. CALVARY DUNNELLON, FL

Personal property auction. This is a pull out auction. 3 barns full of items, utility shed & 2 carports

TWO DAY ESTATE AUCTION January 13th & 14th

LOCATION: 9786 86 ST - LIVE OAK, FL

Saturday, January 13th at 9AM Antiques, vehicles, farm equipment, semi trailers, tools & much more! Sunday, January 14th at 1PM Household items

JANUARY 27TH AT 10AM LOCATION: 616 SW HORRY AVE MADISON, FL

Estate Auction. Tools, lumber, 24x36 storage barn, lawn tractor, and much more!

Authorized Dealer for Deep South cargo trailers. Native utility trailers (ﬁnest utility trailer in SE) and Aermotor windmills - sales, service and installatiion

Monja Slater Realtor (386) 249-9432

Property Subject to prior sale

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12/20/2017 11:56:23 PM