30001 27 12 nky ebook

See inside for our new Creative Living Section!

Real Estate Book THE

速

Volume 27, Issue 12

Featuring: Boone, Kenton, Campbell, Gallatin, Grant & Pendleton Counties

NORTHERN KENTUCKY

Property details on page 11.

Get more photos and details from your phone.

Text P807269 to 85377

RealEstateBook.com

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

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Contact: Kevin Putthoff, Realtor Century 21 Stellar Real Estate 859.866.7710 kevin.putthoff@gmail.com TO ADVERTISE, CONTACT: Javier Mendez at 770-962-7220 ext 24230 jmendez@realestatebook.com

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Text JaneA to 85377 www.janea.com

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Northern Kentucky’s #1 agent since 1996

Jane Ashcraft-West

859-630-2222

Text JaneA to 85377 www.janea.com

Affiliates

Text P196147 to 85377 VERONA! PRICED REDUCED 195K! Approx. 14 ACRE Estate on Bullock Pen Lake. Insurance Appraisal of 1.55 MIL. Does Not Include The Land. 6 Bdrm, 5.5 Bath, 3 Story Victorian w/Detached 1 Bdrm, 1 Ba Guest Home Overlooking Bullock Pen Lake & Dock! $749,999 (447302)

Text P551912 to 85377 FLORENCE! 4 BR, 3.5 bath masterpiece on private park-like lot w/golf course views!

In-ground pool, state of the art kitchen, 1st floor master & more! $549,800 (443837)

Text P551917 to 85377 INDEP! Listed in 04 for $695K since then owner added irrigation system & finished 1100+ sqft in l.l.! 4-5 BR, 6 bath on .73 acre lot w/finished l.l.! $479,000 (443851)

Text P551918 to 85377 UNION! STUNNING 4 bed, 4.5 Bath Ranch on PREMIUM golf Course Lot! EXPANSIVE Deck & Patio/State of the Art Upgrades/GOURMET Kit/4 Fp/+ MORE! $644,800 (446122)

Text P218689 to 85377 UNION! Custom 5 bedroom, 6 Bath ASHLEY Masterpiece on Private Wooded Lot in TRIPLE CROWN! Incredible In-Ground pool w/ WATERFALLS + MORE! $519,800 (447309)

Text P627829 to 85377 EDGEWOOD! 4-5 Bedroom, 5 Bath Home in Edgewood! Lush .83 Acre Corner Lot on Premium Cul-De-Sac Street! Attached 1st Floor Apartment with Bedroom, Bath, LVR & KIT/& more! $474,800 (448133) NEWPORT! Olde World Victorian charm & character meets today’s lifestyle!

3 story home w/ relaxing porches & detached gar.

Newer furnace, c e n t r a l a i r, & roof! $399,800 (443775)

Text P631167 to 85377 RYLAND HTS! Exclusive Ryland Lakes Country Club! Breathtaking golf course access anytime! Fabulous home w/all the upgrades expected at this price! $379,800 (442051)

Text P578059 to 85377 FORT MITCHELL! Premium Acre Lot! Walk To BEECHWOOD Schools & Swim Club! No Neighbors Across the Street for 6 Months A Year! No Step Option/Enclosed Porch/All Brick Exterior/+ More! $349,800 (447008)

Each Office Independently Owned & Operated.

Text P551221 to 85377

Text P547562 to 85377 UNION! Compare to new construction & SAVE! 3BR, 3.5 bath ranch condo, lake views, loaded with upgrades, stainless steel appl., & more! $299,800 (445721)

Text P332961 to 85377 ALEXANDRIA! 4-5 BR, 3.5 bath on 1.7 acres just off AA Hwy.! Deck & patio, ranch floor plan w/2nd flr rec rm, 1st flr master & more! $549,800 (444787)

Text P599589 to 85377 ALEXANDRIA! Opportunity! 37+ Lush Acres with Pond/All Brick 5 Bedroom, 2 Bath Cape Cod with Huge Barn & Storage Shed/+ More!$499,800 (446896)

Text P163756 to 85377 WARSAW! River view, 4BR, 3.5 bath ranch on an acre! 1st floor master, gourmet kitchen, fin. lower level w/walkout, crown molding, 2 fireplaces & more! $449,800 (444252)

Text P641829 to 85377 UNION! BREATHTAKING Setting! Incredible 3-4 Bdrm, 3.5 Ba Home on 2.88 Lush ACRES in Ryle School District! Half Acre Pond/PREMIUM cul-de-sac Lot/& MORE! $349,800 (448134)

Text P529066 to 85377 WALTON! 4-5BR on cul-de-sac lot! 3 car garage, huge rooms, 2 staircases, stone FP, 1st flr study & laundry & more! $299,800 (445087) *Standard Text Rates Apply

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Northern Kentucky’s #1 agent since 1996

Jane Ashcraft-West

859-630-2222

Text JaneA to 85377 www.janea.com

Affiliates

Text P821397 to 85377 ERLANGER! Stunning 5 Bdrm, 4 Ba Home on Premium Cul-De-Sac Lot! Kenton Co. Schools! 3 Finished Levels/All Large Rooms/Hardwood Flooring Through 1st Floor/Fully Equipped KIT/1st Floor Laundry/ + More! $289,800 (447796)

Text P583597 to 85377 INDEPENDENCE! 3 bdrm, 2 Ba RANCH on Level Lot! Expansive Deck/SOARING ceilings/State of the Art GRANITE Kitchen/ + More! $249,800 (446803)

Text P549146 to 85377 UNION! 4BR, 2.5 bath w/stamped concrete patio, new carpeting, custom paint, gas fireplace, huge master suite w/walk-in closet! $219,800 (445812)

Text P489447 to 85377 UNION! Owner Has 235K in Home! Spectacular 4 Bdrm, 4 Ba Home w/3 Finished Levels On Premium Cul-De-Sac St! Ryle Schools/Private Park-Like Setting + More! Nice! $204,800 (448582)

Text P302608 to 85377 BURLINGTON! Incredible 4 Bdrm, 2.5 Ba Home on Large Corner Lot! Exciting Open Floor Plan/Breathtaking 2 Story Entry/Newer Stainless Steel Appliances, Central Air & Water Heater. $189,900 (447607)

Each Office Independently Owned & Operated.

Text P541442 to 85377 DRY RIDGE! 5BR, 3 bath ranch on over 12 LUSH ACRES! Barn offers electric, heat & water! Fully equipped KIT, finished lower level offers 2 BRs & much more! $279,800 (443565)

Text P797426 to 85377 COVINGTON! 4BR, 2 bath home in Wallace Woods! State of the art kitchen, stainless steel appliances, granite countertops, 3 car garage & more! $249,800 (445943)

Text P301527 to 85377 WALTON! Walton-Verona Schools! Fabulous 4 Bedroom, 3.5 Bath Drees Home with Beautiful Private Setting & Screened-In Porch! + More! Meticulous! $219,800 (447604)

Text P503956 to 85377 FLORENCE! Incredible 3 Bedroom, 2.5 Bath Home on One of the Nicest Lots in Northern KY! Open-Airy Floor Plan/Large Rooms/Convenient 2nd Floor Laundry + More! $199,800 (448824)

Text P519159 to 85377 VILLA HILLS - 3 Bedrooms - 2 Full Bath. $159,800 (448800)

Text P818051 to 85377 VERONA! Breathtaking Setting! Incredible 3 Bdrm, 2 Ba Custom Ranch on 5.69 Lush Acres! Open-Airy Floor Plan/State of the Art Kitchen + More! Minutes from Various Lakes & The River! $249,800 (447671)

Text P551919 to 85377 FLORENCE! Low Boone County Tax Rate in Prestigious Pleasant Valley Meadows. Exciting Fischer Built Jefferson Floorplan with HARD TO FIND, Level, Fenced .42 Acre Lot + MORE! $224,800 (446134)

Text P551926 to 85377 INDEPENDENCE! No Money Down Rural Housing (USDA) Loan Eligible! Spectacular 4 Bdrm, 4 Ba, 2500 sq.ft. Home w/3 Fin Levels! Drees Lancaster has Open- airy Floor Plan/+ More! $204,800 (446526)

Text P489446 to 85377 INDEPENDENCE! Spille Built! Incredible 4 Bdrm, 2.5 Ba Home! Relaxing Front Porch/Large Patio/Mature Trees/Wooded Views/2 Story Foyer + More! Meticulous!! $199,800 (448308)

Text P301524 to 85377 FLORENCE! Incredible Opportunity! 6 Year old, 3 Bedroom, 2 Bath Home on Half an Acre Lot with Private Tree Line! Relaxing Deck/2 Large Out-Buildings/+ More! $129,800 (448586) *Standard Text Rates Apply

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Northern Kentucky’s #1 agent since 1996

Jane Ashcraft-West

859-630-2222

Text JaneA to 85377 www.janea.com

Affiliates

Text P501223 to 85377 EDGEWOOD! Location, Location, Location! Incredible 4 Bedroom, 2 Bath Home in Edgewood! Large, Level Yard/Privacy Fence/Expansive Deck/Newer Vinyl Siding, Furnace & Central Air + more! $129,800 (448928)

Text P509120 to 85377 FLORENCE! Adorable 2-3 Bdrm, 2 Ba Ranch On .51 Acre Fenced Lot! Private Wooded Views/Relaxing Front Porch & Deck/Newer Roof, Furnace, Central Air & Water Heater/& MORE! $99,800 (448068)

Text P274247 to 85377 LEASE: Incredible 3 bedroom, 2.5 bath cape cod in Fort Mitchell! Award winning Beechwood Schools!

Fenced, level yard/nicely updated throughout including kitchen & baths/+ more! $1,695 (448036)

Text P551920 to 85377 SPARTA! BEAUTIFUL Lot on Water Front! Relax and Take in Nature From This Amazing Piece of Property.

Tranquil & Serene Setting. Fish From Your Backyard! $37,500 (446269) Approximately 1/2 ACRE!

Text T259125 to 85377 NEWPORT! Incredible Investment Opportunity! 2 blocks from the Levee! Perfect location for offices or small restaurant! Will consider a lease! $375,000 (400480)

Each Office Independently Owned & Operated.

Text P494929 to 85377 ELSMERE! 3-4 bedroom ranch with finished lower level! Private, park-like yard! Newer Champion windows, newer water heater, newer dimensional shingles & more! $116,800 (440070)

Text P498489 to 85377 FLORENCE! Spectacular 3 Bedroom Cape Cod on LARGE, Fenced Lot! Low Boone County Taxes/Relaxing Torch/ Tiered Deck/Mature Trees/Refinished Hardwood/Replacement Windows/NEW Water Heater/+ MORE! $99,800 (448622)

Text P551919 to 85377 LEASE: Exciting Fischer Built Jefferson Floorplan with HARD TO FIND, Level, Fenced .42 Acre Lot with Nice View on CUL-DE-SAC. Open, Airy Feel with Lots of Oversized Windows+ MUCH MORE! $1,900 (447307)

Text P243282 to 85377 VERONA! Build your dream home! Bring the horses! 11.19 premium acres at the end of a cul-de-sac stin award winning Walton-Verona School District/ board fencing/2 pastures/& more! $148,800 (446470)

Text P116085 to 85377 Cincinnati! Incredible Opportunity! Meticulously Maintained Church in Historic Northside. Prime Location on Hamilton Ave./Loaded with Charm & Character/Newer Boiler & Water Heater/Zoned Heating & Cooling/Fin.l.l. + More! Endless Possibilities! $225,000 (1447449)

Text P797442 to 85377 VERONA! Incredible 3 Bedroom, 2 Bath Home With Full Basement on Premium Half Acre Lot! Detached Garage/City Water/OpenAiry Floor Plan/ + More $104,800 (448124)

Text P492508 to 85377 DAYTON! Amazing Home w/Newer Furnace, Central Air, Windows, Roof & Water Heater! GORGEOUSLY UPDATED KIT Boasts New Scraped HDWD Laminate Flooring, GRANITE Counter Tops + More! $79,800 (448743)

Text P665621 to 85377 WILLIAMSTOWN! Paradise awaits! Walk to Williamstown Lake’s Marina and boat dock, less than a half of a mile away! Build your dream or vacation home! $14,800 (442888)

Text T1564525 to 85377 FLORENCE! Incredible opportunity!

Spectacular office space. Located right off I75 on Burlington Pike. Property was formerly Angel Animal Hospital. $299,800 (440188)

Text P799005 to 85377 INCREDIBLE 4 bedroom, 2.5 Bath Home on Large, Fenced Lot with POOL! Loaded with UPDATES Including Newer Laminate Flooring, Roof, Gutters, Kitchen & Baths/STATE OF THE ART Kitchen/ Granite Countetops/Stainless Steel Appliances/SUNROOM + More! *Standard Text Rates Apply

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Jim and Milissa Schack

Featured Property

Text T396741 to 85377

CALIFORNIA - 17388 KY HWY 10 N

Jim Schack,

93+/- acres with Updated Home. Nice combination of tillable land & pasture. 2 car garage & office off of garage with separate entrance. Large private deck & gazebo. Detached workshop. Beautiful setting only 3 miles from AA Highway. 1 year Home Warranty. MLS/ID:447371 $625,900.

Broker/Owner, CRS

Direct: (859) Website:

448-0700 www.2Schacks.com Text T970089 to 85377

Text T921442 to 85377

MT OLIVET - 694 KENTONTOWN RD 110 Acre Farm - Updated House 2 large Barns W/Horse Stalls MLS/ID:446679 $260,000.

ALEXANDRIA - 1374 RACETRACK ROAD 3 Bedroom / 2 Full Bath / 4 Level Acres Horse Barn, 40x40 Pole Barn, Detached Garage!

MLS/ID:433870 $250,000.

Milissa Schack,

ABR, ASP, GREEN, REALTOR速

Direct: (859)

991-9001

Email: 2Schacks@gmail.com

Text The T Codes to 85377 For More Listing Information And Photos

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FALMOUTH - 5741 MCKINNEYSBURG ROAD 5 Bedroom / 3 Full Bath / 11 Acres Detached Garage; Finished Lower Level MLS/ID:435832 $189,900.

CALIFORNIA - 16130 AA HIGHWAY 3 Bedroom / 2 Full Bath Custom Built w/5.36 Acres MLS/ID:441776 $179,900.

Text T289457 to 85377 ALEXANDRIA - 12945 E NAGEL ROAD 3 Bedroom / 1.32 Acres / Full Basement Updated Electric, Plumbing & Furnace.

MLS/ID:444946 $144,900.

Text T395496 to 85377 BUTLER - 1 DALLAS DRIVE 3 Bedroom / 1 Full Bath / Lakeview!

Private Lot, Storage Bldg, Newer A/C. MLS/ID:444416 $89,900.

FALMOUTH - 4492 HWY 159 N 3 Bedroom / 1 Full Bath / 8+ Acres Full Basement, Newer C/A & Public Water MLS/ID:439785 $68,000.

NEWPORT - 836 LIBERTY STREET 2 Bedroom/1 Bath/Off Street Parking Remodeled with pride, Appliances Stay MLS/ID:442354 $56,900.

Text T297926 to 85377

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Featured Property

Looking to buy?

We can help with any listing on the market! Download our Mobile App on your Smartphone or Tablet and take your home search on the go!

http://app.remax-ohio.com/mschack FEATURED CONDOS

Text T602866 to 85377

ALEXANDRIA - 21 THATCHER COURT

Approximately 3 acres in the heart of Alexandria. Large Ranch with many updates. Detached Garage with Basement. Convenient location. Don’t miss this opportunity. Newer Roof & Furnace. In ground Pool with new liner. 1 Year Home Warranty. MLS/ID:447361 $299,900

Text T856608 to 85377 CRESTVIEW HILLS - 2740 MANSION PL 3 Bedroom, 3 Full & 1 Half Bath End Unit Townhouse w/2 car Garage.

MLS/ID:447140 $214,900.

Text T630262 to 85377

Text T616583 to 85377

Text T440805 to 85377

MAYSVILLE - 308 E 6TH STREET Updated Historic Home on 4 Acres!

Great Ohio River Views - 3 Car Garage MLS/ID:446376 $199,900.

COVINGTON - 203 E 26TH STREET 7 Bedroom / 3 Full Bath Well Maintained w/2 Car Garage MLS/ID:447256 $198,500.

HIGHLAND HEIGHTS - 702 HIGHLAND TRACE 2 Bedroom / 1 Full & 1 Half Bath Townhome w/Finished Lower Level!

MLS/ID:448052 $87,900.

Text T232404 to 85377

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Text T236884 to 85377

CALIFORNIA - 11458 MARY INGLES HWY Farmhouse, 27 Acres, Cottage, Pond Lots of Potential - Sold As-Is. MLS/ID:444769 $175,000.

INDEPENDENCE - 8974 SUPREME COURT 3 Bedroom / 2 Full & 1 Half Bath Gorgeous Updates! Fenced Yard!

MLS/ID:444363 $159,900.

MELBOURNE - 3.88 ACRE HOMESITE Build your Dream Home. Water & Sewer is available. Great views!

MLS/ID:446060 $50,000.

Land/Building Lots For Sale

BUILDING LOTS-RACE TRACK ROAD, ALEXANDRIA

Text T395497 to 85377

Text T642152 to 85377

SILVER GROVE - 4748 MARY INGLES HWY 3 Bedroom / 2 Full Bath / Approx 1 Acre 2 car garage, Convenient Location MLS/ID:439944 $89,900.

TOLLESBORO - 63 & 107 BURTONVILLE RD Updated Ranch Home & A Country Store 12.5 Acres; Horse Barn w/Tack Room MLS/ID:442476 $82,500.

LEASE

12.3 Acres $140,000 - MLS/ID:433876 11.1 Acres $125,000 - MLS/ID:433874 7.9 Acres $97,500 - MLS/ID:435886 2.10 Acres $75,000 - MLS/ID:433879

ACREAGE ON ALHAMBRA ROAD, MT. OLIVET

37+/- Acres $75,000 - MLS/ID:437399 Text P256933 to 85377

Text T985895 to 85377

BUTLER - 109 E MILL STREET Clean Updated, Newer Metal Roof & Vinyl Siding, Storage Shed.

MLS/ID:438982 $39,900.

COVINGTON - HISTORIC MAINSTRASSE! Urban Residential opportunity to Lease/Rent this Former Church MLS/ID:447431 $2,950 a month.

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13.2 Acres $27,500 - MLS/ID:437408 10.7 Acres $25,900 - MLS/ID:437407 8.7 Acres $21,500 - MLS/ID:437410 4.8 Acres $19,500 -MLS/ID:437404

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WHICH LENDING OPTION IS RIGHT FOR YOU? Whether you’re looking to make a first-time purchase, refresh an existing home, or simply leverage built-up equity for other reasons, it’s important to figure out which path is right for you and understand the lending options available. irst-time buyers must start with F determining what is affordable. In addition to the mortgage payment, housing costs will include property taxes and homeowners insurance and fees, such as homeowner association dues. Altogether, costs should be no more than 28 percent of monthly gross income and should leave room to continue servicing other debt, such as student loans, credit cards, or auto loans.

When preparing to buy a home, work through credit pre-approval to be ready with a strong offer when the opportunity arises.

In addition to reviewing credit history, a loan originator will consider the amount of the down payment. A down payment typically ranges from 3-20 percent. A down payment that is less than 20 percent may require you to purchase mortgage insurance. A mortgage originator, however, can provide a variety of lending options to optimize your investment, from 15- and 30-year mortgages to fixed and variable terms.

If planning to make some improvements to a much-loved residence, consider financing the

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updates through a home equity line of credit (HELOC). Eligibility depends on how much equity has been built up in the home and the lender’s loan-to-value ratio. A HELOC works much like a credit card and offers flexibility.

A minimum amount is paid monthly, and interest applies to the amount borrowed.

Before embarking on a remodeling project, do some homework. Start with the lender to determine the value of the home and the loan amount available. Then, establish a budget that leaves room for unexpected expenses.

Work with a reputable professional to define the project and its requirements, and shop around for bids and recommendations to confidently select a contractor. Some lenders offer checklists to help get the most from the investment.

Remember to consult a professional for advice applicable to your specific situation. Begin with a lender who can help you identify financial options available to homebuyers and owners today. With careful planning and budgeting, the financing you need may be well within reach.

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Who says you have to suffer through the whole winter season?

You can easily take advantage of beautiful destinations while staying on a budget. Say goodbye to that cold and dreary winter vacation and spend it someplace better.

Bring the whole family, too!

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If you’re not sure where to start, don’t worry. Whether it’s snow skiing or sun bathing on the beach that you’re after, The Real Estate Book has come up with a helpful list of vacation spots, where you can effortlessly cure your wintertime blues. Visit RealEstateBook.com to browse even more properties!

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Ski Spots Silverthorne, CO Beautifully situated in the Colorado Rocky Mountains, Silverthorne offers both visitors and residents breathtaking scenery you won’t find anywhere else. There is always something to do in Silverthorne. And if you like skiing, well, let’s just say you’re in for a treat. You’ll have easy access to four world-class ski resorts just within the Summit County limits.

Mammoth Lakes, CA The lovely town of Mammoth Lakes is surrounded by two million acres of Inyo National Forest, where you’ll also have access to the Mammoth Lakes Trail System, which features more than 300 miles of trails. Additionally, there are countless mountain resorts where you can ski to your heart’s content!

Beach Spots Honolulu, HI Located on Oahu’s south shore, enjoy your winter vacation in Honolulu, Hawaii’s capital city. Soak up some rays on the beach or explore the Waikiki neighborhood’s dining, shopping, and awesome entertainment.

San Juan, PR Puerto Rico’s largest city and capital, San Juan, sits on the island’s Atlantic Coast. Spend your winter vacation on the most amazing beaches and entertaining attractions for the whole family.

West Palm Beach, FL Escape the cold during wintertime by renting a home in West Palm Beach, one of Florida’s best and most enjoyable destinations. You’ll never run out of things to do and may not want to leave when winter is over!

Corpus Christi, TX Come and stay for a while in Corpus Christi, a charming coastal city in the South Texas region. You’ll have convenient access to the best beaches, bay front promenade, and even cultural entertainment in the arts and museum district.

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HOW LONG WILL YOUR HOUSEHOLD FIXTURES LAST? Many maintenance projects for homeowners involve replacing an outdated appliance or fixture, but it can be difficult to discern when a household feature needs replacement. One way to determine how often you should replace items is by its typical lifespan.

Fortunately, a lot of household fixtures won’t need expensive replacements for some time. Garage doors, gas fireplaces and linoleum floors are expected to last 25 years.

Whirlpool bathtubs and sink faucets can last up to 20 years. Gas ovens and garage door openers may last 18 years, given proper care.

Other common appliances and fixtures, however, wear out more quickly. Though washing machines are expected to last 15 years, dryers are expected to last 13. Refrigerators can last up to 13 years, as well.

THE NUMBERS GO DOWN FROM THERE: Food Disposals, Water Heaters (12 years) Plasma Televisions (11 years) Lawnmowers, Carpets (10 years) Microwaves, Dishwashers (9 years) Air Conditioners (Window Unit), Mattresses (7 years) Rugs (5 years) Laptops (4 years) Roomba, Keurig Coffee Maker (2 years) And the fixture that lasts longest? Coming in at 45 years, your doorbell will likely continue to operate after you’ve moved on from your current home.

Source: RISMedia’s Housecall

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Transform Small Spaces into Charming Places In home listings across the country, the word small is often replaced with a far more marketable and appealing word: “charming.” But what makes a home charming compared to small? How does a homeowner transition a cramped room into a space with unique and appealing character?

Create special spaces and storage Carefully consider the functions of any space, such as TV viewing, reading, or computer use, so that only the items needed for those specific functions are stored there.

Understanding how this space is utilized will make it easier to establish dedicated zones and supplies for each activity. Be sure to also create proper storage to manage and maintain a clutter-free home.

Make it larger with lighting Clearing a small home of its clutter will automatically make it seem larger. However, the illusion of more space can also be enhanced with proper lighting. The right lighting will also play a big role in helping create a more charming feel.

Recessed lighting is visually appealing and perfect for small spaces. You can also affect a room’s lighting with low-cost or no-cost solutions that make the most of the space’s built-in features. For example, highlight windows instead of covering them, or make the fireplace a focal point.

Add charming details Woodwork is another simple embellishment that adds instant character and charm without affecting usable space. A chair rail, crown molding, or even baseboards can help take a standard room and outline it with interesting architectural elements.

By managing clutter, using lighting to create bright and airy spaces and incorporating simple architectural elements, you can easily transform a cramped area into a charming and inviting room that you – or a potential buyer – can enjoy.

Source: ClosetMaid

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HOME SECURITY TIPS TO LIVE BY Did you know that every 15.4 seconds, a burglary occurs somewhere across the United States? If you’re a victim, your family may be left feeling vulnerable and violated. So can you protect your home and loved ones?

Well, you should first understand some things about this crime.

WHEN & HOW DO BURGLARIES OCCUR? The majority of home and apartment burglaries occur during the daytime when residents are away from their house, most likely when they’re at work or school. Home theft is most frequent in the months of July and August, and the fewest burglaries occur in February.

According to the FBI, 70 percent of home burglars use some amount of force to enter a residence, but their preference is through an open door or window. Also, you may be surprised to know that homes are not randomly selected. Burglars look for unoccupied homes with the easiest access, greatest amount of cover, and with the best escape routes.

Fortunately, there are ways you can minimize your risk to keep your family and belongings safe. Here’s how to make your home look unattractive to burglars.

Source: Crime Doctor

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1. DOORS & LOCKS

3. LIGHTING

The more difficult that your home is to break into, the less likely burglars will want to put forth the effort. The FBI recommends using high quality Grade-1 or Grade-2 locks on your exterior doors to resist twisting, prying, and lock-picking attempts. Consider implementing these additions in your home:

Keeping a couple interior lights on gives burglars the message that someone is home. If you don’t have one already, light timers are super inexpensive and easy to find. Use a light timer (even when you’re not on vacation) near the front and back windows behind closed curtains. You should also follow these rules:

•

Solid core or metal door for all entrances

•

Exterior lighting should allow 100 feet of visibility

•

Quality, heavy duty, deadbolt lock with a one-inch throw bolt

•

Use good lighting along the pathway and at your door

•

Quality, heavy duty, knob-in-lock set with a dead-latch mechanism

•

Use light timers or photo-cells to turn on/off lights automatically

•

Heavy duty, four-screw, strike plate with 3-inch screws to penetrate into a wooden door frame

•

Use infrared motion sensor lights on the rear of single family homes

•

Wide-angle 160° peephole mounted no higher than 58 inches

4. ALARM SYSTEMS

2. WINDOWS It is much more common to leave a window open or unlocked than a door.

If the burglar sees a home from down the street that has an open window, they will commonly choose that home to burglarize.

•

Secure all accessible windows with secondary blocking devices

•

Block accessible windows open no more than 6 inches for ventilation

•

Make sure you can’t reach through an open window and unlock the door

•

Make sure you can’t reach inside the window and remove the blocking device

•

Anti-lift devices to prevent window from being lifted out

•

Crime prevention or alarm decals on ground or on windows that are within reach

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If used properly and consistently, alarm systems add a huge benefit to your home’s overall security. As a matter of fact, burglars will often give up on trying to break into a home if it has visible alarm signs in the lawn or decals on the window.

5. GET TO KNOW YOUR NEIGHBORS When it comes to the safety of your home, it’s important that you establish some sort of communication and trust with your neighbors. Good neighbors will watch out for your home when you’re away, and can let you or the police know about any suspicious activity going on.

Remember to always keep safety first, communicate, and stay informed!

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6 GOOD CREDIT HABITS OF BUYERS AND RENTERS Your credit score has a critical impact on your housing options, and healthy credit is essential to buying a home or renting one. “An important step to finding a home, whether you’re renting or buying, is ensuring that you have a good credit history,” says Frank Keating, president and CEO of the American Bankers Association (ABA).

“A strong credit score can open doors to better homes and lower mortgage rates.”

To build a good credit history, the ABA recommends adopting these habits.

Request a copy of your credit report–and make sure it is correct.

Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for other loans, such as a mortgage. Everyone is entitled to receive a free copy of his or her credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission’s website at www.

AnnualCreditReport.com or call 1-877322-8228. Note that you may have to pay for the numerical score itself.

your bills in full each month. You often can increase your scores by limiting your charges to 30 percent or less of a card’s limit.

Apply for and open new credit accounts only as needed.

Keep this in mind the next time a retailer offers you 10 percent off if you open an account. If you need a new line of credit, don’t jump at the first appealing offer; compare rates and fees offered through mail solicitation, on the Internet or at your local bank.

Set up automatic bill pay.

Don’t close old paid-off accounts.

Payment history makes up 32 percent of your VantageScore credit score and 35 percent of your FICO credit score.

The more you pay your bills on time, the better your score. Avoid missed payments by setting as many of your bills as possible to automatic pay.

According to FICO, closing accounts can never help your score and can in fact damage it.

Keep balances low on credit cards and ‘revolving credit.’

Racking up big balances can hurt your scores, regardless of whether you pay

Talk to credit counselors if you’re in trouble.

Using legitimate, non-profit credit counseling can help you manage your debt and won’t hurt your credit score. For more information on debt management, contact the National Foundation for Consumer Credit by visiting www.NFCC.org.

Source: ABA.com

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2. Accessorize with new hardware.

Replace the front door hardware for a quick, easy facelift.

Choose hardware finishes consistent with those included in the light fixtures, mailbox and house numbers to maintain a polished, cohesive look. You’ll be surprised what a difference new front door hardware can make in creating a positive look and feel.

Photo Source: Pinterest.com

Photo Source: Pinterest.com

How to Boost Curb Appeal‚ Starting with the Front Door!

Photo Source: Pinterest.com

It’s time for an exterior makeover to add more curb appeal! Whether you’re a real estate agent preparing a house to sell or a homeowner in need of a fresh new look, here are some simple front door tricks that can help boost curb appeal, and ensure visitors and home buyers get a good first impression as soon as they arrive at the doorstep.

4. Accent with lighting.

For night-time curb appeal and safety, add a row of exterior accent lighting to illuminate a walking path with groundinsert solar lights. Or consider solar spotlights to bring out landscaping or architectural focal points. Install new matching light fixtures outside the front door, garage door or patio door to create an inviting feel and provide welllit doorways to greet visiting neighbors, guests, or potential home buyers.

5. Create points of interest with plants.

Add pops of color by arranging potted plants around the front door, or on a porch or deck.

Incorporate planters or container gardens of varied sizes, shapes and colors to add visual interest. Also, planting flowerbeds along driveways and walkways gives off a softer, more inviting feel.

Photo Source: Pinterest.com

3. Refresh exterior and trim colors.

Now’s also time to add a new storm door to help keep out the elements, or to add a refreshing coat of paint on your existing exterior doors for a fresh look.

For a dramatic change, repaint the exterior. You can also change trim color to refresh the home’s exterior impact. When updating trim, choose color schemes that match its primary exterior color, or complement it with a fresh twist.

By Courtney Soinski

“When replacing your old front door, choose from one that accents your home’s style, with high-performance features that help keep out air and water, and low-maintenance convenience like durable pre-finished options with coordinating trim,” says door and window expert Kathy Krafka Harkema.

Page 1

Read more @ Blog.RealEstateBook.com

A lively forum for all things real estate.

1. Make a statement.

A home’s front door is one of the first things people notice.

Is it drab, drafty or just plain past its prime? Make a bold statement and improve home energy efficiency with a new Energy Star-qualified front door. Consider options with decorative glass accents and stunning sidelights to add more natural light while maintaining a sense of style and privacy.

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ON THE COVER

NORTHERN KENTUCKY

Kevin Putthoff

Century 21 Stellar Real Estate

859-866-7710

kevin.putthoff@gmail.com

Come see this beautiful 4 bed, 2 full, 2 half bath home.

Vaulted ceilings and fireplace in the living room make this home feel open and inviting! Full finished basement with 1/2 bath. Beautiful bay window in dining room. Enjoy late summer Kentucky sunsets on the open, two-tiered rear deck or a glass of wine and a book by the fireplace during those long winter nights! A perfect place to call home!

Text P807269 to 85377 30001.27.12.011.OnTheCover.indd 1

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Call

Victoria Bertram

at 859-472-5118 or cell 859-653-0432 for all your Real Estate needs for any age.

However, Victoria specializes in helping real estate for Seniors with her

Seniors Real Estate Specialist Designation.

She has many years in helping clients with their Real Estate needs.

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openhouseretriever.com Find Open Houses Easily The easy to use interface makes it a snap to find open houses.

Driving Directions & Distance Search results show you how far each open house is from you.

Contact Real Estate Agent Each open house has a form so you can contact the realtor.

Look for open houses on the “Easy to Use� website!

Pick your area and find everything nearby!

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Sara Mirus 859.835.6553

saramirus@me.com saramirus.kwrealty.com To see any home in NKY, Text buyorsell to 85377

Your Local Real Estate Connection Get a positive, helpful partner • Trusted resource for answers about the process • Innovative marketing strategies • Expertise about neighborhood features Florence

for buying or selling a home: • Ability to target home searches • Strong negotiation skills • Support through the closing and beyond

Hebron

Text P821395 to 85377

Text P538764 to 85377

Established neighborhood, wide spaces between homes, nearly 1/2 acre! 4BR/4BA (2F,2H) New furnace & a/c, hardwood floor, granite and upgraded stainless steel in the large kitchen, new carpet, fresh paint! Fin LL w/walkout plus lots of storage. Picture perfect view from Master BR. Great location in Pleasant Valley Meadows. $250,000 MLS/ID:447779

Hebron - KY 4 Bedrooms - 2 Full Bath(s)2 Half Bath(s) $234900 MLS/ID:449056

Independence

Florence

Text P538762 to 85377

Text P538024 to 85377

NEARLY NEW! Staffordshire by Drees, 3 finished levels, granite counter, center island, and all kit appliances stay! HUGE 2nd flr Bonus room and laundry rm, big walk in closet in master, all neutral decor, geothermal means LOW LOW utility bills. OPEN floor plan, low maintenance patio. MLS/ID:448065

GREAT location just minutes from EVERYTHING. In a neighborhood with many higher values - so much to LOVE here! Awesome dark cabinets in kitchen, stainless appliances stay including the refrigerator, first flr laundry, huge 2nd flr BONUS room, full basement with walkout! Cute curb appeal, quiet garage door MLS/ID:448947

Park Hills

Covington

Text P538024 to 85377

Text P538763 to 85377

Perfect owner occupant opportunity! Great quiet location at end of culdesac.

One two bedroom unit and one one bedroom unit. Or transform this property back to a single family! Your choice :) Hardwood floors, lots of off street parking, OPPORTUNITY KNOCKING! $110,000 MLS/ID:439702

PERFECT DOLLHOUSE opportunity for owner occupant near Wallace Woods! PLUS ask about $5K in grant money for down payment & closing costs Live in one let the other pay the mortgage! This duplex was built back from studs by current owner! Updated electric, repoured concrete - loads of charm throughout! Picture frame hardwood floor, updated kitchens & baths, LL includes separate storage & W/D stay MLS/ID:448184

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Stephanie Benedetti 859-393-1564

Text P836872 to 85377 BEAUTIFUL SECLUDED HOME with private back yard on almost 1/2 acre*Huge kitchen w/island and appliances stay*Gas fireplace in sunken living room*Partially finished lower level w/walkout,full bath and room that could be used as 4th bedroom and family room* Master has two walk ins* 1st floor study*Home warranty and immediate occupancy. $189,900

Text P819922 to 85377 IF YOU LOVE THE RIVER THIS IS YOUR HOUSE. Beautiful 1 acre lot with river access. Nice big deck, spacious house that needs some TLC. Covered storage for boats or additional cars. Newer roof and HVAC. 2 car garage, huge kitchen and tons of room for parking. This is a diamond in the rough! Immediate occupancy. $149,900

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Text P807241 to 85377 BEAUTIFUL HOME IN SUPER CONVENIENT LOCATION. Tons of hardwood, updated bathroom, nice backyard, water proofing with warranty, newer HVAC, invisible fence, extra insulation in walls and attic, low utility bills, ceiling fans in all rooms, new storm door. $123,900

Text P847866 to 85377 COMPLETELY REHABBED AND BEAUTIFUL. Tons of hardwood, nice yard, close to the Lloyd/Tichenor campus. $129,900

Text the Pcode to 85377 for more info!

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Terry Eibeck (859) 620-7653

Text “REGIONALREALTY” to 85377

Text P715853 to 85377

Text P to 85377

Text P828737 to 85377

ONE OWNER HOME on over 8 acres.

Covered rear deck overlooking the 1/2 ac pond! Hdwd floors, updated app, central vac, granite countertops, full walkout basement, oversized two car side entry garage,large 1st fl laundry/mud room with entrance,security system. Maytag washer and dryer.

HISTORIC property currently being used as a 2 family. Potential commercial use under current zoning. Easily converted back to a single family. Each floor has separate furnace and central air units.

Separate gas & electric. First floor offers over-sized living area, one full bathroom, large eat-in kitchen and one bedroom plus.

INDEPENDENCE - 3BR 2FBA 2HBA Large custom deck with retractable awning. Finished lower level wired for surround sound. Hot water heater and central air unit are new. Property located in the USDA zone for 100% financing!

1 year home warranty!

Text P847514 to 85377

Text P to 85377

Text P847891 to 85377

CUTE & CHARMING 3 Level TownHome on Cul-de-sac in Desirable Location - mins to Pioneer Park. 3 Bathrooms (1-2),LL/Lg Size Family Rm Ex/lg laundry rm. Wood Burning FP w/walkout to Private Wooded deck W/Retractable Awning -Nice! Galley Kitchen W/stainless steal Apps.Exterior of Home Maintenance Free & The End Unit!

LOVELY SINGLE FAMILY HOME in culd-de-sac. 3 BR 2.5 BA. Vaulted Ceilings, Gas Fireplace, Central Air, Hot Tub & Master Bedroom w/ adjoining bathroom and walk-in closet.

Association has pool and tennis court. $139,900

GREAT OPPORTUNITY to own a large home in the heart of Covington at an affordable price. Start your rental portfolio or purchase as your personal residence MLS/ID:448821

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AND CALL US

FIRST

STOP PAYING RENT AND BECOME AN OWNER OF YOUR OWN HOME

Homes are available in your area!

• Qualify for Special Financing Programs • FHA Lenders are providing Loan Qualifications for these homes • Purchase a Home for as little as $100 Down CONTACT YOUR LOCAL HUD REALTOR OR CALL US AT:

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