The Real Estate Book of Portland & Southern Maine

Portland/Southern Maine HOME & LIFESTYLE GUIDE

Maine Belgrade Lakes Kozy Cove Cottages…

Volume 30, Issue 1

where Memories Last a Lifetime!

TO ADVERTISE, CONTACT: 207-791-6091 or realestate@mainetoday.com

RealEstateBook.com

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

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Listing Agent: Jean Jenkins Vacationland Realty (207) 745-4522 11/2/17 7:50 AM

HARBORVIEW PROPERTIES

RESIDENTIAL • COMMERCIAL • INVESTMENT 147 Fore Street • Portland, ME 04101

(207) 878-7802

www.HarborviewProperties.com W G NE TIN S LI

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CUMBERLAND: Classic 4bd 2.5bth Colonial at Falmouth on the green.

Beautiful wood floors throughout, fireplaced family room, master suite with full tiled walk in shower, warm inviting kitchen with large center island and window seat overlooking wonderfully landscaped yard, tiered deck and private gazebo with hot tub.$549,000 TIM SEEKAMP 207-8311066 MLS:1328718 TEXT R577594 TO 52187

Have you ever dreamed of owning your own diner, or a cool little food joint ??? This is an amazing opportunity, very popular small 35 seat turn key fully equipped diner AND a 2 family house all on the same lot in a great South Portland location. This is your chance !!! $499,000 Call Tim Seekamp for your private showing today. MLS:1316471 TEXT R447366 TO 52187

SOUTH FREEPORT:Amazing opportunity to become part of a great community, excellent location for this fully equipped deli/restaurant breakfast spot, ice cream, wine, take home meals.......the opportunities are endless. Bring your cooking skills and your imagination and make this place shine.$374,900 TIM SEEKAMP 207-831-1066 LOREN AYER 207-504-4953 MLS:1282562 TEXT P669522 TO 52187

PORTLAND:Much more to this property than meet the eye! Beautiful updated kitchen with open concept dining room and living room, offering a large gathering space for friends and family. Both basement and garage/bonus room offer significant additional space. House has central A/C as well! New roof and other updates make this move-in ready.$319,000 MLS:1289389 TEXT R222499 TO 52187

SOUTH PORTLAND: Well maintained 2 bedroom, 1.5 bath condo with a bonus room on the 3rd floor. Affordable monitor heating,2nd floor laundry and a private patio.

Convenient location to shopping, beaches and walking trails.$199,900 LAURIE MACFARLAND 207-415-1469 MLS:1324633 TEXT R546292 TO 52187 PORTLAND: Harborview Properties is pleased to present office and retail suites at 16 Middle Street for lease. Construction has begun with occupancy date targeted for September 2017. Site is adjacent to the Ocean Gateway Garage, with parking set aside for the building. Lease rate includes a $50/SF fit up allowance for the following available spaces:2,434 SF: First floor retail,10,754 SF: Second floor office,5,374 SF: Third floor office CONTACT LOREN AYER 207-504-4953 FOR MORE INFORMATION. 10,754 SF: Second floor office 5,374 SF: Third floor office Text R294730 to 52187

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The Casey Gray Team COASTAL • 207-773-6400

638 Hollis Road Route 202 • Hollis Center, ME 04042 http://remaxcoastalhollis.mainelistings.com

Casey Gray

207-756-4095

Laura Fleischer 207-776-8436

Kimberly Cochran 207-838-9896

“We are a full service agency, assisting buyers & sellers 24/7!”

HOLLIS-Beautiful 3bd/2ba, NEW, cape home with detached garage is waiting for you to call it home! Granite kitchen, open kitchen/living/dining & more! Text R544510 to 52187

HOLLIS-Incredible investment opportunity!

Updated & cared for detached home & duplex on 26+ acres w/ additional development potential. Great rental history! $325k Text R432977 to 52187

HOLLIS- Updated home w/ granite counter tops, stainless appliances, hardwood floors & new roof & laundry room on the first floor! $234,900 Text R507079 to 52187

WATERBORO- Versatile floor planopen concept living area, wood & tile floors, maple kitchen, 3 bd/2ba, master w/ bath. Don’t miss this one! $239,900 Text R471700 to 52187

3bd/2ba contemporary cape with quality features!

Custom kitchen with ceiling height cabinets, Newer appliances, tile&hardwood floors, soaring ceilings, large windows, natural light throughout and so much more! $259,900 Text R577653 to 52187

LIMINGTON-Move in ready. New flooring & fresh paint abound in this beautiful home. 4bd/2ba & mudroom off the garage are great extras! $215k Text R507077 to 52187

BALDWIN- Tons of potential, just needs a little vision, energy & ambition!

Walk-up attic, 4bd/2ba, newer deck, possible garage in basement! $120k Text R432995 to 52187

WATERBORO- Set up on the hill right across from the lake, enjoy water views & shared waterfront on Little Ossipee w/ your own dock area! $129,900 Text R294912 to 52187

LEWISTON- Lots of work & upgrades on this 2-3 unit. Great investment opportunity! Property abuts an open lot in an improving area of town. $55k Text R471702 to 52187

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207.874.SOLD NEW CONSTRUCTION? 290 Bridgton Road Westbrook, ME 04092 w w w. A l l i a n c e M a i n e . c o m D IL GE BUCKA PA

Lot 11 Mitchell Road, Casco, ME 04015/ BUILD THIS GORGEOUS CHALET STYLE HOME! Talk about a bright and open-concept floor plan!

Natural light floods giant windows into central great room, which opens to dining room. Spacious kitchen with hardwood, granite and center island perfect for entertaining a crowd. Similar to be built home! $434,900. MLS#1329554. Text R585612 to 52187

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37 School Street, Limerick, ME 04048. Look at this blue beauty – 4BR/1BA! Lovely landscaped yard with annuals and stones around mature trees. Public water and sewer! Efficient pellet stove offsets heating costs dramatically. $119,000. MLS:1331122. Text R590900 to 52187

We have TURNKEY build packages available!

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Lot 15 Mitchell Road, Casco, ME 04015 / SIMILAR TO BE BUILT TURNKEY HOME + LAND! Low inventory? No problem! Build the home of your dreams and get everything you desire! This 2,700+/- square-foot custom-built home includes 4 bedrooms, 2.5 bathrooms, a master suite and a 24’ x 26’ garage, rear deck and a large front porch. $449,000. MLS:1325981. Text R585609 to 52187 E IC ED PRDUC RE

131 Tucker Avenue, Portland, ME 04103 / RENOVATED PORTLAND RANCH. DEAD END STREET! New wood laminate floors.

Spacious new kitchen with stainless steel appliances and island open to comfortable living room and eating nook. Beautiful 3 BR/2.5 BA. Fenced in back yard in quiet neighborhood. $249,000 Text R592414 to 52187 ND LE LA SA R FO

18 Leavitt Road, Hiram, ME 04041 / 3BR/1BA SWEETHEART NEAR CORNISH VILLAGE! Beautiful, peaceful setting but still be close to all the conveniences, shopping, town amenities, etc. Full, walk out basement with french doors is a blank canvas to extend your living, work, play spaces. $134,900 MLS:1327838. Text R585611 to 52187

TBD Elm Street Limerick, ME 04048 – 16.62 acres for sale! Build on 16+ acres of wood and grassy areas conveniently located close to Limerick center but rural enough for privacy. Plenty of road frontage to consider additional lot for family members or extra cash to build your dream home/start your in-home business. $64,900. MLS:1321787. Text R515070 to 52187

HOME & LIFESTYLE GUIDE

Portland Southern Maine For advertising information in The Real Estate Book® of Portland/Southern Maine, contact:

Terri Perron (207) 791-6155 tperron@mainetoday.com Alan Connell (207) 791-6158 aconnell@mainetoday.com 7+Acres w/934’ of frontage on Beautiful Salmon Lake- 2 cottages on the shore , Private Docks, 3-Unit Apt. Blg, +3 Rental Homes. 1 of 7 Desirable Belgrade Lakes 10 mil. No. of Augusta.Central Maine’s Premier Lake Area is a Destination for Activities & Action or a retreat for Peace & Tranquility! Truly where Memories Last a Lifetime! Preliminary Plans for Condos. $399,000. MLS:1325698 Text R549655 to 52187

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Vacationland Realty (207)745-4522 VacationlandRealty@gmail.com www.VacationlandRealtyMaine.com

NEXT AD DEADLINE IS: November 21, 2017 11/2/17 9:32 AM

Carmen Lessard CarmenLessard@CarmenLessard.net

(207) 590-8655 (cell)

(207) 967-6777 (office)

KENNEBUNK YORK OGUNQUIT SPRINGVALE BIDDEFORD SHAPLEIGH

I’m Full Service, Full Time, & I Love What I Do! W NE

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TIN

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Stylish, beautifully remodeled 4 BR, 3BA home in a great location. Gorgeous kitchen opens to a separate dining area. Sunny great room with cathedral ceilings & wall of windows. Living room with pellet stove & handsome mantel. Master BR en suite. Fin. rm in basement. Relax on the spacious deck w/ it’s outdoor room, all overlooking a large private yard. Won’t last long! MLS:1331209 Text R592373 to 52187

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YO OME ILD H BU REAM D

Enjoy a peaceful property with trees for privacy and a right of way to Swan Pond. This parcel is on a paved road away from the hustle & bustle but close to town & shopping. Build your dream home today! A good investment too--land could be be divided into two build-able lots or purchased as a smaller parcel- #1328079- large 6.09 acre parcel for $120,000 / #1328081smaller 3.03 Acres for $65,00 / #1328085- 2nd smaller 3.06 Acres for $55,000 Text R557514 to 52187

BE !

TO CH LY RAN E V T LOBUIL

Great floor plan large & private lot. 3 BR, 2 ba, 2C. garage. Quality details throughouthrdwd flrs, tile, SS appliance, & high efficiency heat sys. Saco Location-convenient to turnpike, shops, & downtown. $409,000 MLS:1281094 Text P780240 to 52187

EAR SE! G Y OU NINLAKE H N U ST UND RO

Lake house w/3 levels of spectacular Little Ossipee views! Stylish & thoughtful details will take your breath away! Pine ceilings & walls of windows let in the sun, nature, & water views. You’ll be drawn to the two levels of wrap around decks. Huge designer kitchen & dining rm perfect for entertaining.

Master en suite. Cozy fireplace w/custom mantle. Curved stone terraced gardens. A private stone patio & separate boat house bring you close to enjoy the waters edge of this secluded cove. Waterboro $589,900 MLS:1309062 Text R397275 to 52187

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11/2/17 9:18 AM

30+ ACRES OF BEAUTIFUL CAPE NEDDICK LAND W/1,000+ FEET ON CAPE NEDDICK RIVER! Easily accessible w/50± feet of frontage on Route 1. $575,000 MLS:1301315 Text R300585 to 52187

NEW CONSTRUCTION IN YORK! Open concept living, 4 season sun room, 3 bdrms, 2.5 baths, attached garage, close to the beaches. $509,000 MLS:1315359 Text R447499 to 52187

YORK - BEAUTIFUL SALTBOX ABUTTING THE FALL MILL BROOK SITUATED ON 3 PLUSH ACRES OF LAND! 3 BR, 2 BA, over 2,000 SF of living space. $414,800 MLS:1327629 Text R554344 to 52187

ICONIC YORK HARBOR ESTATE! Water frontage, ocean views, pier, dock, 10 BRs, 9 BAs, 3 kitchens, 4 finished floors & so much more! $2,995,000 MLS:1309159 Text R369469 to 52187

YORK-4BR 5BA CONTEMPORARY. 475’ of York River Frontage. Mooring, sauna, wine cellar, exercise room, 3 FPs, deck, in-ground pool&more.$995,000 MLS:1305831 Text R344230 to 52187

YORK-NUBBLE PENINSULA!Custom built 8 room home w/in-law apt. Views of the Nubble Lighthouse,peek-a-boo views of the ocean. Come See $950,000 MLS:1316276 Text R447490 to 52187

20+ ACRES OF WOODED BEAUTY situated on a private road off of Goose Rocks Road, Kennebunkport. Survey, soils test complete, waiting for you to build your dream home!

May have ability to build and sell one lot right away. Great opportunity! Offered at $225,000 Text R576089 to 52187

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ONE BEDROOM, ONE BATH YEAR ROUND COTTAGE situated steps to beach access and on the river for easy canoe/kayak access.

Perfect spot for weekend get-a-ways. New furnishings, full sized appliances, cathedral ceilings, gas grill and more. Excellent rental history. Offered at $199,000 Text R431602 to 52187

11/2/17 7:50 AM

TEAM WUNDER DEFINING EXCELLENCE DONWUNDER WUNDER DON (207)252-1775 (207) 252-1775

ROBERT ROBERTCOLES COLES (207)604-0577 (207) 604-0577

NOLA MATT SEAROCK CAROLYN WELLER KYLECADY MANGO (207)337-3534 (207)351-6717 (207)712-4721 (207)752-39811

439 U.S. Rte 1, York, ME

(207)363-2497

Each office independently owned and opperated

OGUNQUIT. Location! This 3BR 3BA home sits on a hill overlooking the village of Ogunquit & the Atlantic beyond! Offered at $995,000 Call Don MLS:1328462 Text R574328 to 52187

OGUNQUIT. Luxurious home in the heart of Ogunquit. Completely rebuilt in 2002 4BR 3BA fit for a king. Offered at $1,375,000 Call Carolyn MLS:1284998 Text R63440 to 52187

WESTBROOK. 3BR 2BA town house in great location! Full basement, plenty of privacy and pet friendly! Offered at $225,000 Call Kyle MLS:1321591 Text R495835 to 52187

WELLS. Adorable cottage is located just over the Ogunquit town line close to beaches, shops and dining. 1BR 1BA Offered at $119,000 Call Don MLS:1306206 Text R346445 to 52187

CAPE NEDDICK. Beautifully updated Studio condo steps to Perkins Cove! New floors, kitchen, built ins & bath! Offered at $125,000 Call Robert MLS:1323008 Text R506669 to 52187

OGUNQUIT. Updated unit in Ocean Towers. Full Kitchen, Wood look tile throughout main living area & more! Offered at $225,000 Call Carolyn MLS:1329323 Text R568937 to 52187

OGUNQUIT. Ocean views from the newly renovated beach cottage. 2BR, 2BA, loft, open kitchen/ dining & living. Offered at $449,900 Call Kyle MLS:1324526 Text R520872 to 52187

KENNEBUNK. Joseph Titcomb house is an historic 6BR estate w/ gorgeous grounds, reflecting pool, & carriage house. Offered at $1,395,000 Call Don MLS:1310536 Text P730332 to 52187

WELLS. This adorable 2BR home has been newly refreshed and features charming interiors and a great yard! Offered at $219,000 Call Robert MLS:1319467 Text R475403 to 52187

OGUNQUIT. Incredible opportunity to live and work at one location! Newly rebuilt home & 2 Commercial spaces! Offered at $1,200,000 Call Don MLS:1317090 Text R453426 to 52187

YORK. Cape on a private cul-de-sac 3BR 2.5BA eat-in kitchen, formal dining,living rooms & 1st floor master. Offered at $459,000 Call Don MLS:1326049 Text R543495 to 52187

CAPE NEDDICK. This 75 Seat farm to table restaurant is a colonial home, green house, gardens & addtl.84 acre lot. Offered at $795,000 Call Don MLS:1316672 Text R450340 to 52187

Robert 207.604.0577 robert@buyandsellmaine.com Kyle Mango 207.712.4721

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Don 207.252.1775 don@donwunder.com Carolyn Weller 207.351.6717

11/2/17 7:50 AM

HOW TO BUY A HOME IN A TIGHT MARKET W

e all know the equation: low inventory means higher prices. Also known as a tight market, this setting can be stressful for buyers, who are trying to snap up their dream home yet keep running into competition. Attempting to purchase a house in this type of market can make the already complex process of buying a home even more overwhelming.

The following five tips can help buyers successfully get through the buying process in a tight inventory market:

yard, those cannot be addressed later and must be taken into account during the house hunting process.

BE READY TO MAKE A DECISION QUICKLY. In a seller’s market, homes rarely stay on the market long, so when a house that is in their budget and checks off all of their needs come along, buyers should not hesitate. Buyers should be ready to submit an offer quickly, or they may risk missing out on the home altogether.

DETERMINE & STICK TO A BUDGET. Before beginning the house hunting process, prospective homebuyers should receive loan preapproval from one or more lenders to verify how much they can borrow. Then, after taking into account additional costs of ownership such as taxes, utilities and insurance, buyers should determine a final budget they can comfortably afford. When listings are scarce, bidding wars can drive up prices, so buyers must be prepared to walk away if the asking price surpasses their budget.

BID COMPETITIVELY AND LIMIT CONTINGENCIES. It is tempting to submit a low offer as a starting bid, but in a seller’s market buyers need to put forward their highest offer from the very beginning or they are likely to lose out on the home. It is also important to remember that in multiple bidding situations it is not always the highest offer that is most attractive to the seller but the one with the fewest contingencies. Removing restrictions related to the sale of a current home and being flexible with things like the move-in date can make a bid stand out to a seller.

IDENTIFY DESIRED NEIGHBORHOODS AND HOME WANTS VERSUS NEEDS. When housing inventory is tight, buyers may need to compromise on what they believe they want from a home. Certain wants, such as stainless steel appliances or hardwood floors, can be added later.

However, if a buyer wants to be in a specific school district or have a decent sized back-

WORK WITH A REALTOR®. All real estate is local, so it is important to work with an agent who is a Realtor®, a member of the National Association of Realtors®, and who is familiar with the areas and neighborhoods the homebuyers are considering. They can give buyers the competitive advantage needed in a tight market.

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9/21/17 8:55 AM

The Basics of Buying Investment Properties

By Kenneth D. Rosen Editor’s Note: This was originally published on RISMedia’s blog, Housecall.

See what else is cookin’ now at blog.rismedia.com.

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veryone wants a magic and immediate path to wealth. The bad news? The path doesn’t exist. Wealth is attainable through more conventional means. If you come to understand the real estate industry and if you deepen your own firsthand experience as you buy and sell investment properties, you’ll be on the road to success.

Along the road, there are six core principles that will make or break each real estate investment deal. They are the most important concepts you will learn. I call them the Big Six. With each successive deal I negotiated, I grew to recognize the common elements. The Big Six are part of a sequenced step-by-step formula that enables you to identify and purchase the right income property at the right price.

The elements of the Big Six Formula that will guide you into the basics of buying income properties are the following:

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1. Location

Location is the single most important component of any real estate deal. It is crucial in determining your investment success. Look for properties that are situated in an “A” location. Such locations include the socioeconomic levels of the people who live or work in a particular neighborhood, its proximity to shopping centers, public transportation, crime levels, the nearness of prestigious universities and medical facilities, traffic congestion, zoning restrictions, the quality of schools, fire and police protection, and even the reputation of the local government and its officials.

2. Building Quality & Design Efficiency

Design efficiency interfaces with building quality. When you find an investment property you’d like to buy, you will need to scrutinize both elements. Look for properties that far exceed minimum construction requirements and that have useful and innovative design elements. This will not only make the property attractive to tenants but will add value to the property in the future. Design features on apartment complexes that stand the test of time include walk-in closets, large kitchens with windows, and his-andher bathrooms. In an office building, a common area factor of 15 percent is desirable as well as a ratio of four parking spaces for every 1,000 square feet of rentable space.

3. Tenant Profile

Tenants can represent either an asset or a liability in an in-

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vestment. When you invest, your mission is to make sure your tenant profile is the former and not the latter. Just as you want a well-constructed and well-designed property, you’ll want stable tenants who are a good match for your property and have appropriate lease agreements.

Find out how much rent is generated and whether it is at market rate or under market.

You want to focus on finding an income property that offers the opportunity to increase rental income and, by doing so, multiply the value of the property so that you can resell it at a substantial profit.

get started, you’ll need to get a number of finance-related items in order. The first thing you should do before applying for a mortgage loan is to review your credit reports and your credit scores. Also, learn the terms, understand the components of a mortgage and how they interact, and be open to the full range of financing options available.

Banks and other financial institutions make money from mortgages. They are willing to negotiate. Be creative—you may be surprised at the terms you’re able to obtain from a bank or insurance companies, especially in today’s low interest rate environment.

4. Upside

6. Price

This fourth element refers to the cash flow growth possibilities offered by a particular property along with the likelihood that the property will increase in value. A property may cost $1,500,000 to construct, but if it brings in only the income of a $900,000 property, then it is worth only $900,000. The key to increasing value lies in buying a solid Class B property in an “A” location where the rents are under the market, the leases are short term, and there are no options to renew the leases.

5. Financing

In the musical Cabaret, there is a song with the lyrics, “Money makes the world go around.” It could just as easily be used to describe real estate’s role in the economic landscape. The free flow of money and access to credit is what adds vibrancy to property investment. Before you

The successful evaluation of a property’s price has more to do with how much information you can gather about a seller and the property than it does about the price tag on the real estate deal. You must look at the value of the property, which is not the same thing as its price. The crucial concern is not just how much the property costs, but what kind of income it can generate for you. A property may be architecturally perfect and engineeringly sound, but if you’re locked into long-term, under-market lease rates, the value will be eroded.

If you master these principles, wealth will be within reach.

However, it’s not enough to just understand and utilize the Big Six. You must execute them in order. That’s because they all fit together snugly to form your customized real estate formula.

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How to Decorate Your Home for Fall Fall is one of the best seasons for decorating your home in a tasteful way that’s both festive and functional. Some of the most popular fall decorating themes include pumpkins, gourds, fall foliage, and pinecones to name a few. It’s time to say goodbye to summer and welcome the changing of seasons by adding a few cozy touches around your house with these tips.

1

Refresh Your Front Door: Maximize your curb appeal by adding piles of pumpkins and gourds to create a cheery look. Get creative by painting your house numbers onto one of the larger pumpkins, or throw in some potted croton and mums to your décor to complete the look. For a finishing touch, place a fall-themed wreath on the door.

2

Warm Things Up: With cooler temperatures creeping in, give your open spaces a snug feel by swapping out your lightweight pillows and linens. Instead of cotton and linen, opt for velvet or burlap materials in darker colors. Add a few throw blankets into the mix, and you’ll be ready to welcome guests for nights spent by the fire.

3

Add Fall Flowers: Just because summer is over doesn’t mean that flowers have to go along with it. If you’re looking to brighten up your home, there’s no easier way than to do so with flowers. Sunflowers and alstromeria are both great choices because they both last for about a week. Remove all leaves below the water line and change your water every few days in order to keep your blooms fresh.

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4

Add a Rocking Chair: Pair a rocking chair with a plaid blanket outside on the porch for the ultimate fall look.

All that you’ll be missing after that is a cup of pumpkin flavored coffee.

5

Bring Outside In: Fall leaves are ideal for sprinkling on the mantle or for pressing onto wax paper during an afternoon of crafts. Use backyard leaves to create streamers for fall-themed parties, or frame them for artwork around the house. The options are endless!

6

Turn on the Fire: Fireplaces take the center stage when it comes to the fall season. If you have a wood fireplace, now is the time to make sure that you have enough firewood for the rest of the season.

If you’re using gas, don’t forget to turn it off when you leave to go somewhere. Nonetheless, a roaring fire paired with a comfy sofa and views of the changing leaves creates the perfect fall setup.

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Create Privacy, Divided Zones. Escape the hustle and bustle while making a space feel more intimate with the use of barriers like large plants or trees, a pergola, or privacy panels. Designing distinct spaces with divided zones helps create the feel of a secluded getaway and gives each area purpose.

Design for All the Senses. The best spaces are those that delight all the senses. In addition to designing a comfortable, beautiful space, consider adding outdoor speakers for music that sets the mood, or a water feature that eliminates street noise. Relax and enjoy the delicious smell of grilling or the experience of roasting marshmallows over an open flame. Consider adding fragrant bushes to fill the night with a sweet scent. Get creative.

Are you looking to get more out of your outdoor spaces? Dreaming of days spent lounging al fresco with friends and family? You’re far from alone.

Add Accents. Small touches can go a long way.

Homeowners can personalize a space with items that define their style and personality or focus on a fun theme. Don’t be afraid to add bold pops of color—an outdoor living area is a great place to explore a more adventurous design than you might consider inside the home.

“The research shows the most loved areas of the home combine relaxation, socialization and functionality,” says Stephen Schroeter, Napoleon Products senior vice president of Sales and Marketing. “Outdoor spaces provide a great opportunity to accommodate all three, yet they are still vastly underutilized by most homeowners.” He has some top tips for creating the dream outdoor oasis: Add an Outdoor Kitchen. Outdoor kitchens are growing in popularity, and for good reason. Not only do they meet a basic need, but they do so in a fun, engaging atmosphere. No one wants to be stuck inside preparing a meal when the party is out under the sun—or stars. The showpiece of every great outdoor kitchen is a quality, professional grill, either freestanding or built-in. Other culinary considerations include outdoor refrigerators or coolers to keep beverages cold and flowing freely, pizza ovens, and sinks for easy clean-up.

Establish a Gathering Place. One of the most important features of an outdoor space is an area for socialization. A central location with a variety of seating options creates a welcoming atmosphere.

Consider a built-in fireplace or a fire pit to provide a focal point and enable the space to be used later into the season.

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9/21/17 8:55 AM

HOME SAFETY: BEST PL ACE S TO P U T S E CURIT Y CAMER AS

If

you’ve decided to put up security cameras for your home for the first time or are considering widening your safety net, knowing the proper way to place and angle your cameras is vital to keeping your home as safe as it can be. Not only can proper camera placement catch important details of possible crimes in your area, simply placing them properly can deter a crime from happening in the first place.

The most important factor in judging where to place a camera is simple: Your home is your home. You know what the layout is, you know where the most important rooms are, and you may be in the unfortunate position of knowing how someone entered your home without your permission in the past.

Before you begin placing any equipment, consider some basic questions about your home’s surveillance needs. Some questions to consider include:

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• What parts of your home are you most concerned about?

• If someone has broken into your home before, even before you owned it, where did that occur?

• Are there any spots on my property that aren’t plainly visible to the street or my neighbors?

• Do you need to keep any local camera placement laws in mind?

Though you may come to a variety of conclusions and potential diagrams for your home security systems, consider the usual entry points for potential burglars when casing a home. Knowing the most common routes of entry can take a large portion of the workload off of you simply by observing recorded statistics. With over 80 percent of burglars

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entering a home through the first floor, whether through door or window, it’s especially important to keep the entirety of your property’s entryways covered. At the same time, trying to cover low locales, such as your doors and windows, may leave cameras in easy reach of criminals, thus completely negating their usefulness.

If you find you have a lack of safe places to place a camera, consider looking into protective caging for your equipment to protect it from being knocked out of order while you aren’t looking. This is also a good time to contemplate what special tools you may need to complete your installation, so ensure you check your camera system to see its recommended outfitting requirements that might need special preparations.

While losing a camera can mean losing important evidence to help identify vandals or thieves, there are clever ways to keep yourself safe that might goad a criminal into making a misstep. Placing a dummy camera in obvious sight not only deters crime by showing you keep your home under tight watch; it also gives an easy target to a potential burglar that can distract them from hidden cameras that catch them in the act.

As an added bonus, dummy cameras are far cheaper to replace than expensive professional models.

Most importantly, you must consider the features of each camera when placing it.

Cameras cannot focus on multiple ranges and angles at once, so if you want to catch a trespasser’s face on video, mounting your camera up too high can miss their distinctive features, but a raised camera may have a better time picking up a car’s license plate when placed overlooking your driveway.

In the end, even poorly-placed cameras will offer better home security than not having any at all, but there’s no reason to leave proper home security to chance. Knowing how to place your first line of defense can keep you safe before and after any crime, and knowledge is always your best weapon.

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9/21/17 9:02 AM

The ABC’s of Flood Insurance

BY B A R B A R A P RO N I N

Many home buyers are surprised to learn that while most standard homeowner’s insurance policies may cover water damage caused by a burst pipe within the home, they may not cover damage caused by an overflowing river. Because only a few inches of flood water can cause tens of thousands of dollars in damage, some lenders may require the purchase of flood insurance before closing – even if the property in question is not in a high-risk area. Lender requirements in this regard are communicated in their instructions to escrow when loan documents are issued.

Who determines whether, or how much, flood insurance is required? What do agents and their clients need to know? The answers are as simple as ABC:

A

B

C

WHO MUST HAVE IT?

WHO SELLS IT AND HOW MUCH DOES IT COST?

WHAT DOES IT COVER?

With assistance from the U.S. Army Corps of Engineers and local flood control authorities, the Federal Emergency Management Agency (FEMA) maintains flood insurance rate maps for communities nationwide. The maps are divided into flood zones denoting high, moderate or low risk of flooding. It makes sense that mortgage lenders require flood insurance for coastal homes or homes in other high-risk areas. But historically, says the National Flood Insurance Program (NFIP), about one in every four flood claims comes from moderate or low-risk areas, where federal law does not require insurance. Hence, many lenders may require flood insurance in all flood zones, regardless of risk, especially for federally regulated or insured (such as FHA) loans.

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The NFIP, managed by FEMA, offers flood insurance to homeowners in participating communities, and provides small discounts to communities that take steps to mitigate flood risk. The actual policies are sold not by FEMA, but by private insurance companies.

Since NFIP coverage tops out at $350,000 for one’s home and possessions (see C, below), ‘excess flood insurance’ may be purchased to cover claims above the NFIP limits.

In many regions, state flood insurance plans offer perks such as a 15-day waiting period before coverage kicks in, as opposed to 30-days with NFIP plans. The cost is determined by such factors as the level of flood risk and the estimated cost to rebuild. While flood insurance premiums are government-regulated, homeowners can retain some control over their cost by varying the deductible amount.

Flood insurance generally covers direct losses caused by flood waters, but actual coverages will vary based on the specific facts of the incident and the provisions and exclusions in the applicable insurance policy. The maximum insurance amount allowed by law is $250,000 for the structure. (While people tend to associate floods with total loss, the average flood claim is about $30,000, according to NFIP.) Contents coverage for furnishings of up to $100,000 is optional. However, neither building nor contents flood insurance will most likely cover the loss of certain personal property (such as currency) or living expenses such as temporary housing while the home is being repaired.

9/21/17 9:00 AM

homesales@chalmers-realty.com

Bridgton-Antique charm w/modern appeal. 1st flr master w/lg dressing room. Kit & Din room w/ vaulted ceiling & skylights, 4BR/2BA. $279,000 MLS:1328842 Text R570910 to 52187

Sweden-Log home w/wood floors, 2BR/1BA, farmers porch, screened porch, loft w/3rd BR, basement,full house generator & 30 acres!Wow! $189,000 MLS:1284871 Text R90439 to 52187

Bridgton-1 level living in a country setting yet close to downtown. Open concept, 3 bedrooms, full bath plus a sunny family room. $109,500 MLS:1316581 Text R459987 to 52187

Harrison-3BR, has “summer room” connects to 2 story barn with finished room & 1/2 bath above, 2ac,scenic views of farms & fields. $139,900 MLS:1320361 Text R498138 to 52187

Harrison-Close to town beaches and parks.

Hearth in Living Rm. Kitchen w/cherry cabinets.

1st floor BR & laundry. Nice backyard. $89,900 MLS:1303100 Text R340999 to 52187

Bridgton-To be built Long Lake home set on a spectacular 1.6 acre peninsula with over 600’ of private frontage.Dock space in harbor $899,000 MLS:1321766 Text R551131 to 52187

SACO $339,900-Look no further! 28x30 colonial w/3BR, 2.5ba, granite kitchen, tile & hardwood & rear deck & sunny open concept! 1.83acre corner lot. Excellent neighborhood location.

MLS:1325713 Text R458679 to 52187

GORHAM $92,000-Located in Gorham’s Webb Farm. A small 7 lot neighborhood just minutes from Gorham Village.

Survey, soils, driveway apron & tree clearing are all done for you.

GORHAM $349,999-New construction! This 3BR, 2.5ba colonial located just 2mi from Gorham village is in a small 7 lot subdivision. 2 car garage, farmer’s porch, rear deck, daylight walkout basement & more.

MLS:1317579 Text R457245 to 52187

BUXTON $395,000-Turnkey bar & function facility w/4960sf. Great visibility on Rt.22, paved parking, deck, stage, seating & bars.

MLS:1328261 Text R557456 to 52187

LIMINGTON $34,500 - Conveniently located, wooded lot w/gravel drive. Low taxes on this 5.3 acre building lot. MLS:1328438 Text P624864 to 52187

OLD ORCHARD BEACH $299,000-Two 2-BR, 1ba units w/ all of the following separate: paved driveways, entrances, heating, electrical & W/D hookups. Spacious yard w/ a fenced backyard & 2car garage. Located in the heart of downtown.

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Southern Maine’s #1 choice for In-Park Sales!

NEW DOUBLE WIDE IN BLUEBERRY RIDGE PARK IN WELLS. $89,900 Lovely Titan w/ 2 BR, 2 full BA & den. 2×6 walls, vinyl windows & insulated. Eat-in kitchen w/gas range, fridge & DWr and dishwasher, MBR w/private bath. Lot fee $325/mo. Text R554958 to 52187

NEW HOME-MOUNTAIN VIEW ESTATES, BOWDOIN. ONLY $49,900. Features eatin kitchen, 3BR, 1 BA. 2×6 walls, vinyl windows, well insulated. Gas range & refrigerator.

Financing available with 10% down. Lot fee $325mo. Text R554962 to 52187

NEW Dbl Wide Sanford-Low Rent, only $91,900! Neutral colors, center kit., 2 BR, den, 2 full BA, sep. laundry. Gas furnace & range, fridge, dishwasher. MBR w/private bath, shower & walk in closet. Lot fee:$285, pets w/park approval. Text R554967 to 52187

NEW 2017 3BR 1BATH TITAN UP IN SMALL PARK COMMUNITY ON SANFORD/WELLS LINE (ROUTE 109). Center kitchen, MBR w/walk in closet, 2BA w/1 piece tub/shower unit, black appl.

2x6 const, vinyl windows. Financing available with 10% down. $54,900 Text R586415 to 52187

Beautiful 2 BR 1BA home w/center kitchen, in mint cond. Newer appliances, freshly painted, new counters, walk in shower, propane wood stove for added warmth, wood laminate flooring. Deck, shed & Cent. AC! Don’t miss! Pets w/approval $44,900 Text R586422 to 52187

SACO LOVELY 2BR 2BA 14X70! $47,900, features center kitchen, MBR w/private bath. W/D area in separate rm. Spacious liv rm, lg 2nd BR & full BA. New appl., wood flooring, paint, roof, updated furnace & HW. Financing avail. w/10% down & good credit. Text R586414 to 52187

Still a great time to list! We have many qualified buyers!

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207-636-2222 20 Emery Mills Road Shapleigh, ME 04076

www.ExitKeyRealEstate.com NEW LISTING! ID#144

NEW LISTING!! ID#149

NEW PRICE ID# 141

ON 6 ACRES IN ACTON 2 BR w/privacy. $259,900 MLS:1330017

200’ ON BAUNEG BEG LAKE! 3BR, 4 SEASON COTTAGE $269,000 MLS:1329738

CORNER LOT IN SANFORD 3BR, BATH RANCH $179,000. MLS:1320806

NEW LISTING!! RES/COMM ID#138

NEW LISTING!! ID#145

ID# 129

113’ LAKE SHERBURNE IN WATERBORO. $67,900 MLS:1322753

100’ ON HIDDEN LAKE, NEWFIELD $201,000 MLS:1325951

100’ ON GRANNY KENT POND, SHAPLEIGH. BUILD YOUR DREAM COTTAGE. $80,000. MLS:1324762 SANFORD

Maine’s Newest City is ON THE MOVE and GROWING! Be a part of this expansion, utilizing this property, which is immediately adjacent to the BRAND NEW Sanford High School- Regional Vocational Technical Center. Principal building has four apartments, as well as one 3-bedroom home with detached 2-car garage and one 2-bedroom home with attached 1-car garage.

Additional Storage building with office, currently leased to landscaping/irrigation contractor. POSSIBLE OWNER FINANCING to qualified buyers. $599,000 MLS:1326397

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Featured Properties

PRICE DROP- Motivated Seller. Unique property with many updates since 2008 including furnace and first floor renovation. This is ready for a new business, like a hair dresser or barber, etc. Plenty of space and many options for use and profit. 2nd floor is a great apartment unit with plenty of storage. Don’t miss out. $175,000 MLS:1310718 Text R448683 to 52187

GRAY- Great convenient location in quiet neighborhood.

This 2BR ranch is perfect for main floor living with laundry room on first floor, kitchen granite counters, wood cabinets and pull out shelves. Newer metal roof, septic, well and FHA oil furnace. The lot is level and open with a large front and back yard that has plenty of room for recreation. 2 car garage with plenty of space plus a workshop outbuilding or could be used for studio/study.

Easy commute to Falmouth, Portland, Lewiston/Auburn or Sebago Lakes Region. $199,900 Text R560845 to 52187

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Movers & Shakers Carmen Lessard

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974 Roosevelt Trail, Naples 207-693-5000 • 800-682-0963 1539 Roosevelt Trail, Raymond 207-655-3811 • 800-639-2321

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Leo Tetreault 58 Portland Rd, #4 Kennebunk, ME 04043 207-310-8669

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Coldwell Banker Team Real Estate Gateway to the Lakes Region (207) 892-1600 TEAM REAL ESTATE www.cbtre.com Each Office Independently Owned & Operated

STANDISH - 240 ft- sandy Lake WEST BALDWIN Large Sebago open concept beach, logacres. home,2 1.5AC cape onupdated 2 private entrieswell with landscaped, 3BR, plus bunkhouse & cathedral ceilings.

Huge deck. 2 car garageThe $225,000 garage. way lifeBill should be! $899,000.

MLS:1329497 Text R583845 to 52187

CASCO Rare,- Spectacular rustic, ranch style camp, WINDHAM 3 Bed 2.5 1.75AC, 370 ftwith Sebago frontage.

Bath Colonial attached 2 car,Classic 4 bed knotty inpine & lg granite septic, Cul-de-sac of a frpl. quietMooring neighborhood $299,999 Greg incl. Yesteryears’s charm! $775,000.

HARRISON Wooded lot, and goodfunctionalibuffer, near WESTBROOK - Beauty beach, summer great sun ty!assoc.

This updated home sunsets, is the definition beautiful Long Lake. Close to Harrison of on turn key. With modern touches, open living spacefor $225,000 or Naples dining &Tufts shopping. $59,900.

GORHAM Farmhouse w/barn, GORHAM1800s - Stately colonial near exc. cond.village Great for Farmhouse Gorham on starter over 5oracres.

Legal enthusiasts!

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Lg open parlor on 1st(MBR?) $184,999. $350,000 Tufts MLS:1327765 Text R583852 to 52187

CASCO Crescent gorgeous, level entry, MOOSE POND -Lake COMPLETE REMODsandy beach, rare combo of spectacular EL, HUGE MASTER W/POST&BEAM, frontage, lot COUNTERTOPS, and home. Open plan, NEW guest GRANITE house, 3 fplc, screened porch. BABBLING $1,350,000.

GARAGE W/POST&BEAM, BROOK RUNNING $274,500 Sherry MLS:1327712 Text R583855 to 52187

NO. YARMOUTH 1.39AC elevated lot BUXTON - Let your pets run on this engineered w/gravel drive the & well.

Close to huge, private lot. Enjoy peaceful Cumberland, Builders location from Gray,Portland. the large deck and avail. hot bring those ideas & callText it home! $129,500. tub. $275,000 Tufts T790347 to 85377 MLS:1326538 Text R583857 to 52187

HARRISON Beautiful cabin in the woods, WINDHAM - Beautiful 3 Bedroom, 2.5 close to Crooked River. Yr round, close bath Multi-level home in cul-de-sac in to shopping and .Close lakes in Naples and Hillcrest Estate to schools and Windham.

Come to andPortland relax! $184,900. easy commute $254,900 MLS:1323166 Text R514101 to 52187 Dan Text T11878362 to 85377

BRIDGTON - Big things do come in deck, open concept kitchen, din & fam rm, small packages! Nicely updated ranch updated, rm w/BA in lower has easy new livingbonus and low maintenance. level. Great Portland$169,000 commute. Hart $249,900 Super convenient.

Text MLS:1322843 Text R514098 to 52187 T11878361 to 85377

NEW GLOUCESTER Private but easy commute STANDISH - 24 ACRES! Beautiful propto Portland, vaulted ceilings, skylight, natural erty zoned for agricultural use or resilight, largeVery MBRclose suite to w/small deck. ammeniPartially dential.

Windham $224,000 MLS#1322642 framed basement. ties and St Joseph’s College. $119,900 Text to 52187 to 85377 TuftsR514100 Text T11878350

GORHAM - Spacious home, charming 3B home offers a newly paved launch landscape, private setting with great & dock & patios the water. views awaiting somealong updating.

Large Enjoy miles of waterway! $999,000. living room with fireplace $235,000 MLS#1322139 Text R496870 Debi Text T11878357 to 85377to 52187

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MLS:1328665 Text R583846 to 52187

STANDISH Nestled on quiet culdesac, lg

CASCO Escape to Big Sebago 3BR,

MLS:1328046 Text R583849 to 52187

GRAY Westerly views, sunsets on the middle

WINDHAM - Stunning 20 acre estate lake at Little Sebago. 100 ft. shoreline, minutes to Portland or Falmouth.Trout new heated decking, docking &cottage stairs. and Ready pond, pool,potting 9 $839,900. for immediate fenced gardens. enjoyment. $595,000 Tufts Text MLS#1322709 Text R514097 to 52187 T11878360 to 85377

HOLLIS Equestrian enthusiasts! 16 stalls,

N.70x140 YARMOUTH - Charming home, full indoor ring, wash stall, tack/feed of sunlight. Hardwood floors, deck off rms w/lgnewly pastures!

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MLS:1313826 $199,900 Debi$385,000.

Text T11878355 to Text R442470 to 52187 85377

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Sanford’s newest subdivision!

Rural setting. Many extras and upgrades available!

• Close to I-95 • Easy commute to Boston and Portland. • Minutes to NH. • Close to Amtrak Downeaster train • Abuts conservation land.

• Easy access to Sanford Country Club Built By:

w w w. c 2 1 s a m i a . c o m

INTRODUCING…

469 Main Street Springvale, ME 04083 207-490-1878

THE OGUNQUIT 3 BR, 1 BA, 0.5 Acre Lot $209,900 MLS#1316309

THE CARRABASSETT 3 BR, 1 BA, 0.5 Acre Lot $219,900 MLS:1313800

THE OGUNQUIT W/GARAGE 3 BR, 1 BA, 0.75 Acre Lot $234,900 MLS:1289552

THE CARRABASSETT W/GARAGE 3 3 BR, 1 BA, 1 Acre Lot $244,900 MLS:1317393

THE KENNEBUNK 3 BR, 2BA, 0.5 Acre Lot $269,900 MLS:1318267

THE SACO W/GARAGE 3 BR, 1½ BA, 0.5 Acre Lot $279,900 MLS:1289593

THE KENNEBUNK W/GARAGE 3 BR, 2 BA, 1 Acre Lot $289,900 MLS:1318318

207-324-4866 • 800-974-4866 1137 Main St., Sanford, ME 17001.30.1.014.indd 1

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NOW LEASING TOWNHOUSES

The only newly constructed apartments in Cape Elizabeth!

NOVEMBER ONLY!

CALL TODAY $1500 OFF 12 MO. LEASE FOR SPECIAL 1ST MONTH FREE INCENTIVES! 18 MO. LEASE

Now available for lease, 8-10 Hill Way, the newest apartment complex in the heart of Cape Elizabeth We have a variety of apartment spaces beautifully located in the center of town. Several floor plans to choose from!

Large, functional, floor plans with double master bedrooms, perfect for professionals or small families. High ceilings.

APARTMENT AMENITIES: • Award winning Cape Elizabeth school system.

• Community facilities including tennis courts, indoor lap pool, gym, and outdoor track.

For more information and • Beach access a few minutes away. a virtual tour, please visit: • Rent includes heat and two parking spaces. www.twopenguinproper- • Individually metered electrical systems.

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kre

KING REAL ESTATE 207.934.7622 serving ME & NH www.kingrealestate.com

FEATURED PROPERTIES FALL/WINTER

CIDER HILL VILLAGE New 2 BD 2 BA custom open concept condos in 55+ community in OOB, central AC, hardwood & tile, sunroom, 1– 2 car garage, near beach.

STARTING AT $279,900

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16 LONG MEADOW SCARBOROUGH Stunning farmhouse with pool, 1.84 acres, 4 BD, 2.2 BA, gourmet kitchen, AC, radiant heat, SS appliances, hardwood.

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MLS 1292125 $359,900

3 BIRCH LANE—OOB Lovely log home walking distance to beach, 4 bedrooms, 2 full baths, country porch, stone fireplace with wood stove and gorgeous kitchen.

MLS 1328785. $324,900

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MLS 1317274. $219,900

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MLS 1329163. $319,900

CALL DANIELLE LAPE 207.730.2476 OR KING WEINSTEIN 207.934.7622 x 122

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