All Things Real Estate February 2018

allREAL thingsESTATE

February, 2018

REAL ESTATE

View more photos and information of this month’s featured home on pages 28 and 29

The “Roosevelt” Rochester Model Home

Serving Gibson, Knox, Pike, Vanderburgh and Warrick Counties in Indiana and Wabash County in Illinois.

CLARION REGISTER PRINCETON DAILY

MOUNT CARMEL

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Sunday, February 4, 2018

BROSHEARS REALTY & AUCTION OAKLAND CITY, IN 812-749-3274 James Broshears Jr., Principal Broker WWW.BROSHEARSREALTY.COM

0-319 Fenced in 32x50 pole building with 2 rooms for office space, kitchen area, living room space, 1/2 bath, gas furnace & air, garage for repair work, also second 34x48 building on 2.3 acres more or less on road 450S in Somerville area. NEW PRICE $81,000.

LD SO

WE HAVE BUYERS We Need...

• 2 Bedrooms • 3 Bedrooms • Building Sites • Small Acres Buying, Selling – “Call Us” James Broshears, Jr. ... (812) 749-3274

If you’re thinking of selling your property, we have clients.

Helping people to buy and sell since 1969.

510 W. Morton Hwy. 64 Oakland City

Call:

0-328 House with 2 car garage on 334 S. Jackson St. in Oakland City. Home has replacement windows, new kitchen cabinets with built-in oven, microwave and cooktop, new bathroom, nice size living and dining room, enclosed front porch, updated main bedroom, second bedroom & back enclosed porch needs some updating, nice place for washer & dryer next to main bedroom.

Home has metal roof & vinyl siding.

James Broshears, Jr. 812-749-3274

Jerry Basham 812-749-4446

Sunday, February 4, 2018

We hope your Valentine’s Day is full of love, warmth and happiness!

812-386-6777

ALL THINGS REAL ESTATE 3

1022 E. Broadway, Princeton See all our listings on Realtor.com and check us out on Facebook!

Broker/Owner

SALE PENDING!

114 S. Main, Oakland City 2BR, 1BA remodeled home, open floor plan, hardwood floors. $67,900 MLS# 201643081

118 S. Main, Oakland City 2BR, 1BA home, fenced bk yard, 1.5 car det grg w/ workshop, many updates. $67,900 MLS# 201725889

219 E. State, Princeton 4-5BR, 2BA home, recently remodeled, 2 car det grg w/ workshop, many updates. $109,900 MLS# 201728438

LOT

SOLD!

REDUCED!

505 S. Stout, Princeton Cozy 3BR, 2BA home w/ updated windows, siding & roof. Stove & Frig included in sale. $79,900 MLS# 201746330

610 N. Hart St., Princeton Beautifully remodeled 3-4BR, 2BA home w/ many updates. Lg. det. garage. Covered front & rear patios. Move-in ready!

$104,900 MLS# 201747699

PRIME FARMLAND!

120 ACRES Maple Street, Francisco Vacant wooded lot close to school and main road. $5,500 MLS# 201711051

512 W. Broadway, Princeton 2BR, 1BA brick home, full bsmt, 2 car det grg, recent updates. $64,900 MLS# 201635651

318 S. Gibson, Princeton 5BR, 2BA home, front & back porches, 2 car carport, full bsmt. $94,900 MLS# 201654861

923 N. Main, Princeton 2BR, 1BA home on 0.23 acres, 1018 sq. ft. $34,500 MLS# 201638742

SALE PENDING!

6289 S. 1150 West, Owensville 3BR, 2 BA barn-style home on 12 +/- acres. 3 income producing mobile homes on property. $160,000 MLS# 201704369

1150 East, Oakland City 10 tillable acres. $170,000 MLS# 201638011 4.09 acres of tillable land. $69,900 MLS# 201640725

716 S. Main St. Princeton Gorgeous 4 BR, 2 BA home with so many updates! The interior is ALL NEW! Stainless steel appliances included.

$134,900 MLS# 201747791

REDUCED!

210 W. Morton, Oakland City Beautifully remodeled 2 bedroom, 1 bath home. This home is as neat and clean as they come. A nice easy, comfortable ans convenient place to live. $75,000 MLS# 201748143

50 S. 725 East, Francisco 120+ acres in the East Gibson area.

Owner wants an offer! $900,000

600’ PATOKA RIVER FRONTAGE

701 W. Broadway, Princeton 40+ individual storage units of various sizes and prices in 2 separate buildings located on busy West Broadway Street. Site has lots of options and room for future expansion.

$110,000 MLS# 201750655

River Road, Patoka 1.32 acre property great for camping or parking your RV. $10,000 MLS# 201701901

NEW LISTING!

211 W. Dale, Oakland City Great investment property!! 2BR, 1BA home features a nice kitchen with newer cabinets and large wooden deck. $44,900 MLS# 201749439

524 E. Water, Princeton Recently updated 3BR, 2BA home with spacious eat-in kitchen & appliances. Partial basement, covered front porch, 1.5 car attached garage, fenced back yard & root cellar. $119,500 MLS# 201754636

918 S. Gibson, Princeton Conveniently located 2BR, 1BA home features formal dining rm., eat-in kit., 2 car det. grg. and fenced in back yard.

New roof & furnace. $64,900 MLS# 201801703

211 S. Madison, Oakland City Nice 2BR, 1BA home with detached garage on a corner lot.

Many updates! $48,400 MLS# 201755009

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Keeping it in the Family is a Century Home Builders’ Best Referral.

“There is no better referral than a 2nd home for a Family Member” - Sky Epperson, Owner

Century Home Builders has built 32 homes to folks that are related Magill Family Nuefelder Son and parents Nix family Father and Daughter Morgan Family Brothers Gullett Family Whetstone Family Brothers Yancey Family Isaac Family Father and Son

Allen Family Father and Daughter Gard Family Mother and Son Hobbs Family Noblitt Family and Cousins Adamson Family and Cousins Morgan Family and Brothers Ramsey Family Father and Daughter Land Family and Cousins

Book now for July and August move ins

Sunday, February 4, 2018

2402 Hart Street Vincennes, Indiana 47591

Beth Meeks

Katie Dewig

Chelsea Meeks

Broker/Owner

Broker Associate

Broker Associate

CCPS, CRMS, CRS, Master GRI

812-881-9846

812-890-7099

katie@ meeksrealestate.net

chelsea@ meeksinsurance.net

812-291-4000 beth@ meeksrealestate.net

SOLD! 411 W. Spruce St., Princeton $134,900 This is the one you’ve been waiting for! Beautiful 3BR, 1.5BA home in a great location! New furnace and AC in October ‘17 with warranty. Newer roof, replacement windows and doors. Less than a block from pool, tennis courts, lake and park.

MLS# 201752702

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1787 N. 200 West, Princeton $84,900 This 3BR, 1BA home sits on one acre in the country.

Home features laundry room with a washer & dryer, deck and two car detached garage.

MLS# 201742639

OPEN 11,1-3pm 1-3PM EN HOUSE! HOUSE! HO E!FEB. 2/11, 1-3 H 1-

Located on Hillcrest Extension Road

1156 N. Fox Ridge Links Condo Under Construction!

This condo is Design B. Association fees only $94/mo. $234,150

! g Condo Under Construction! n i n d A. This condo e is Design P fees only $94/mo.

Association l e $235,650 a S RReady! dy!

Move-In Ready!

1154 N. Fox Ridge Links

Condominiums in Fox Ridge Links 1154 and 1156 N. Fox Ridge Links are now under construction and available for purchase! For an appointment for a private showing of an existing condo, call Beth at (812) 291-4000

Proudly insuring Vincennes, Princeton, Haubstadt and all of Indiana, Illinois and Kentucky!

2402 Hart St., Vincennes

812-385-5727

812-768-6476

118 N. Main, Princeton

402 E. SR 68, Haubstadt

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Linda Folsom Broker Associate LindaFolsomHomes.com Cell 812.779.9293 Office 812.473.0123

F.C. Tucker Emge REALTORS® Independently Owned & Operated

LARGE CORNER LOT

NEW LISTING!

309 W. Montgomery St., Owensville Great 2BR, 1BA, 1,341 sq. ft. starter home on a large lot! Many updates.

Covered front porch & back patio.

Detached 2 car grg.

$87,000 • MLS#201747862

SOLD SOLD!

SOLD SOLD!

8930 S. 1125 West, Owensville 3BR, 2BA manufactured home sitting on a nice, large 1.39 acre lot in the country. Woodburning stone fireplace in living room, eat-in kitchen with many cabinets, Master BR w/ lg. Master BA w/ jet soak tub and separate shower. 2-tiered wooden deck shaded by mature trees. Barn with loft and covered porch. Wooden yard shed.

$80,000 • MLS# 201803120

NEW LISTING! SALE PENDING! 311 N. Center St., Francisco 3BR, 2BA well matained manufactured home with 1,728 finished sq. ft. Home features an open floor and split bedroom plan. Detached pole barn garage build in 2016 by Graber is insulated with 110 amp service and has 2 insulated 10’x8’

115 E. Illinois St., Princeton

5730 S. 950 W., Owensville

Affordable 3BR, 1BA home on a huge corner lot.

4BR, 2BA modern country home sitting on almost 8 acres. Finished

Appliances included. Low property taxes.

basement, newer appliances, pole barn with stalls. Above ground pool.

$74,500 • MLS#201737009

$257,500 • MLS# 201750550

SOLD ACREAGE

704 N. Main St., Patoka Nice 3BR, 1BA country home on 3 acres. Many updates.

Hardwood floors. 18’x20’ concrete garage & 24’x32’ pole building.

$69,900 MLS# 201740146

garage doors with openers and concrete floors.

$137,000 • MLS# 201802302

PROUDLY ANNOUNCING MY 2017 AWARDS

Love is in the air!

Let me help you find a SWEET deal!

• Most Sales Residential • Residential Sales Leader • Most Listings Represented • Most Buyers Represented • Executive Club • Presidents Club

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 7

6 resolutions for new homeowners

BY BETH BUCZYNSKI NERDWALLET

We all make New Year’s resolutions, but let’s be honest: Most are wishful thinking. By February, that “lose 20 pounds” or “learn Spanish” resolution

has gone right out the window.

But not for you, new homeowner. This year is different.

Your first 12 months of homeownership set the tone for the entire journey. With just a few smart

decisions, you can save money now and get more out of your investment later.

So make room on that list between “run a 5K” and “travel more.” Below are six essential New Year’s resolutions for new homeowners.

home warranties are annual agreements that offset the repair or replacement cost of major home 3. GET AN ENERGY EFFICIENCY components and appliances.

AUDIT Approach home warranty Heating, cooling and powering companies with caution, however. a home isn’t cheap. Why be Read customer reviews and avoid uncomfortable or spend more because gimmicks that seem too good to be your house wastes energy? true. Like insurance policies, home After the dust settles, you may warranties are full of fine print, and notice more about your home, homeowners often fail to realize what’s particularly if you bought new excluded until they try to make a claim. construction, says Jessie Ferguson, “They can be helpful in the first year director of operations at Renewablue, of homeownership, when you have a home energy consulting company. so many other things to think about Maybe the air smells funny or one and pay for,” Ferguson says of home bedroom is colder than the others. warranties. “Just make sure you know She recommends getting an energy exactly what you’re getting.” efficiency audit rather than guessing at the problem.

5. CREATE A DISASTER KIT WITH A Using blower door tests and infrared HOME INVENTORY cameras, energy audits measure Your new home is your castle, but 2. TAKE A CLOSER LOOK AT YOUR air leaks and detect air infiltration it’s not indestructible. A disaster kit that or missing insulation. Audits are HOMEOWNERS INSURANCE includes financial documents and a performed by utility companies, city Just because a standard home inventory will speed up recovery homeowners insurance policy satisfied governments and some contractors. if the unthinkable happens.

“An energy audit is an inexpensive your lender doesn’t mean you’re A home inventory can be as simple way to get real information about your adequately covered. as snapping pictures of big-ticket items house. They’ll tell you which fixes will “Homeowners insurance isn’t onein your home, or you could record size-fits-all. There are unique coverage deliver the best bang for your buck,” items, brands, original prices, ages and Ferguson says. options and, more importantly, condition in a spreadsheet.

In addition to lowering your ‘exclusions’ that homeowners need No matter which method you utility bills and making you more to be aware of,” says Ryan Andrew, choose, a home inventory is the best comfortable, a more efficient home president of The Andrew Agency, an way to make sure you have enough may end up putting free money in independent insurance agency in your pocket, thanks to local, state and insurance coverage to replace your Richmond, Virginia. valuables, Andrew says.

Does your policy cover the full cost federal rebates.

Store the inventory, along with of your jewelry or other valuables? Are 4. CONSIDER A HOME WARRANTY copies of your personal identification, disasters like earthquakes and floods If the appliances in your new home credit card information, vehicle records excluded? Will the policy pay if your and other important documents, are near the end of their life cycles, a dog bites the new mailman? in a fireproof safe or another place home warranty may help shield you “Your home is usually your biggest that’s easily accessible if you have to from the cost of replacement. asset,” Andrew says. “Spend a few Also called home service contracts, evacuate. minutes reviewing your coverage and 1. START AN EMERGENCY FUND Homeownership has a funny way of costing more than you think. An emergency savings fund provides a financial safety net, and your new home is the perfect reason to start one.

Remember, if the furnace quits on a cold night, there’s no landlord to call.

Laid off unexpectedly or surprised by major car repairs? Mortgage payments are still expected on time and in full.

Without an emergency fund, these expenses could force you into credit card debt or worse.

Ideally, your emergency fund should cover several months of expenses, but it’s OK to start small. Set aside a portion of every paycheck with the goal of saving $500 as quickly as possible, and then contribute as much as you can moving forward.

exclusions, and ask questions so you understand your policy.”

6. MAKE A PLAN TO BUILD EQUITY Unless you bought your home with cash, it will be many years until you own it outright. Make plans now to build equity faster so you can unlock more benefits of homeownership even sooner.

Equity is a fancy word for “how much of your house is paid off.” Home equity is a valuable asset; accrue enough and you can use it to finance major renovations or pay off student loans.

You can build equity slowly just by making your monthly mortgage payments, or you can find ways to speed up the process. For example, take on smart home improvements or switch to biweekly payments to get “equity rich” even faster.

This article originally appeared on the personal finance website NerdWallet. Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@ nerdwallet.com. Twitter: @ bethbuczynski.

RELATED LINKS: NerdWallet: Emergency fund: What it is and where to keep it https://nerd.me/emergency-fund NerdWallet: Understanding homeowners insurance https://nerd.me/homeownersinsurance NerdWallet: Are home warranties worth the cost? https://nerd.me/home-warranties NerdWallet: 6 ways to build your home equity (and savings) faster https://nerd.me/build-home-equity

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ALL THINGS REAL ESTATE 9

415 N Market St, Mt Carmel, IL 62863 618-263-8622

7433 N. Mesa Lake, Mt. Carmel, IL

1227 N Market St, Mt. Carmel, IL

507 Easy St, Mt. Carmel, IL

1201 Oak St, Mt. Carmel, IL

NEWLY BUILT HOME ON MESA LAKE w/OPEN CONCEPT AND COVERED REAR DECK!!

SPACIOUS HOME w/AN ABSOLUTELY AMAZING REMODELED KITCHEN AND REMODELED BATHS--FULL PARTIALLY FINISHED BASEMENT

AMAZING CONTEMPORARY HOME w/ FULL WALK-OUT BASEMENT ON OVER 1 ACRE IN QUIET SUBDIVISION!!

Updated 4 Bedroom/3 Bath in Home in Great Location!!

$102,500

$119,900

$449,900

11548 Sugar Creek Ave, Mt. Carmel, IL

731 W 5th St, Mount Carmel, IL 62863

720 W 1st St, Mount Carmel, IL 62863

320 E. 5th St., Mount Carmel, IL 62863

WATERFRONT PROPERTY!!!

TOTALLY REMODELED EXQUISITE HOME!!

Immaculately Maintained Home w/ Great Updates on Large Lot!!

This lovely ranch home sits in a quiet subdivision setting and offers a large fenced in back yard.

Updated historic home with striking character on two large lots.

$269,900

$82,500

$69,900

$139,900

$214,900

Our Real Estate Agents Brandon Hodgson Managing Broker 618-263-8622

Jay Goodson Broker 618-262-3185

Kim Goodson Broker 618-262-3186

Jason Walker Broker 618-262-6164

Cecil Downing Broker 618-240-1346

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Indiana home building sees 10-year high CONTRIBUTED CONTENT

INDIANAPOLIS –The United States Census Bureau has released data on Indiana home building in 2017, indicating a 10-year high for single-family construction starts for the state.

Single-family permits are up 10 percent from 2016 with 15,435 permits pulled in total for 2017. There were 948 permits pulled in December of 2017, a 22 percent increase from December of 2016 when only 778 permits were pulled.

“As the existing home inventor y tightens, we have seen a positive progression for single-family construction in 2017,” said Indiana Builders Association Chief Executive Of ficer Rick Wajda. “With the state’s emphasis on economic development and increasing wages, new construction should expand to meet the growing introduction of homeowners to the marketplace.”

Builder confidence in the market an 18-year high in December of 2017, Index. Any number over 50 indicates for newly built single-family homes on the National Association of Home that more builders view sales condihas two points in January at 72, after Builders/Wells Fargo Housing Market tions as good than poor.

“Going into 2018, builders are optimistic as policy makers put efforts in place to benefit small business owners like those in our industr y” said Indiana Builders Association President Pat Richard. “While we still face critical supply-side challenges like lot and labor shortages, builders are confident that housing will remain an important keystone of the Hoosier economy.”

— The Indiana Builders Association is a statewide trade organization representing Indiana’s home building, remodeling and light commercial construction industry.

Established in 1952, IBA has 25 local affiliates organized into eight geographic areas across Indiana. IBA, along with its affiliates, are associated with the National Association of Home Builders in Washington, D.C. The organization works to educate its members, the general public, elected officials and regulatory bodies to maintain and develop workable and affordable regulations and laws that enable the citizens of Indiana to own a home. More information can be found at www.buildindiana.org.

Watson Insurance, Inc. 222A N. Hart St., Box 340 Princeton, Indiana • (812) 385-5211 www.watsoninsurance.net

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 11

400 Chestnut St. Mount Carmel, IL. 62863 • 618-263-3131

Commercial Listings 1215 N. Cherry Street

$150,000

602 East 5th Street

715 Chestnut Street

$150,000

$49,000

117 East 4th Street

820 Market Street,

$125,000

$85,000

www.mundyrealestate.com

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Mundy Real Estate has been Wabash county’s trusted real estate service since 1913. All of our agents will be happy to help you buy or sell your house in the area.

Robert E. Mundy II,Broker 618-263-8945

Verlin Snow,Broker 618-263-8947

Darlene Underwood,Broker 618-263-7569

Dana Magee,Broker 618-263-3131

Kelly Schroeder,Managing Broker 618-263-8946

Emily Teague,Broker 618-262-8948

Dave Wilderman,Broker 618-263-7795

Laura Wilderman, Broker 618-263-7795

Rosalind Nelson Wrye,Broker 618-262-8353

Josh Mortland,Broker 618-263-8925

Sunday, February 4, 2018

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ALL THINGS REAL ESTATE 13

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Sunday, February 4, 2018

The Tim Mason Team Midwest Real Estate

Tim Mason Jan Mason

Offices in Princeton and Evansville

812-664-0845 812-664-2022

Each office independently owned and operated.

timmason@remax.net

914 N. Polk, Oakland City $85,500 • Very clean 3BR, 1.5 BA home • New appliances • Refinished wood & laminate floors • Large lot MLS# 201754017

230 E. Spruce St., Princeton $113,900 • Very nice 2BR, 2BA renovated home • Large corner lot • Completely remodeled • Spacious living rm., lg. open kitchen & dining room • Unfinished bsmt. & det. grg.

MLS# 201750089

janmason@remax.net

NEW PRICE! 329 S. Seminary, Princeton $74,900

• 5BR, 1BA home on nice corner lot • Large front porch • Fenced back yard • Totally remodeled, fabulous kitchen • Replacement windows • Corner lot MLS# 201732345

NEW LISTING! 115 S. Broadview Circle, Princeton $89,700 • Nice 3-4BR, 1 full & 2 half BA ranch style home • Fenced back yard • Attached 1 car garage • Convenient location MLS# 201802869

ACREAGE!

706 E. Emerson, Princeton $109,900 • Nice 4BR, 2BA home • Large double lot • Fireplace • Sunroom • Large master suite with walk-in closet MLS# 201739184

5920 W. CR 200 North, Patoka $175,000 • Approximately 41 Acres • Good Farm & Recreational property • Remodeled 2BR 1993 Mobile Home MLS# 201729247

NEW LISTING! 2254 S. 750 East, Francisco $188,500 • 4BR, 3BA home on 5 acres • 2 car attached garage • Newer roof, furnace, A/C & flooring • Large front porch MLS# 201803320

NEW LISTING! 512 S. Old Patoka Rd., Patoka $229,900 • 3-4BR, 3BA brick ranch • 2.75 acres • Full, finished walkout basement • 2 car attacted garage MLS# 201800963

w www.TimMasonTeam.com ww.TimMasonTeam.com

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 15

AVAILABLE LAND C OMMERCIAL • F ARM & R ECREATIONAL • R ESIDENTIAL COMMERCIAL LAND • 4370 S. 100 E., Princeton–20.5 Acres, $615,000 (Behind Toyota) • 1000 US Hwy. 41 S, Princeton–5.10 Acres, $175,000 • 701 S. Second Ave., Princeton–38 Acres, REDUCED! $1,320,000

FARM & RECREATIONAL LAND • 4235 S. Taleia Dr., Oakland City–23.5 Acres, Horse Farm, Home, Barn, Lake, $999,700 • 5900 N. Old Hwy. 41, Patoka–138.8 Acres, REDUCED! $430,000 • 6100 Gish Rd., Poseyville–56.6 Acres, $368,400 • 200 Sotuh, 100 South, 550 West, Petersburg–169 Acres, $746,900 • 1644 Hunsaker Rd., Boonville–41 Acres, Home, Lake $840,000

Tim Mason 812-664-0845 timmason@remax.net

www.TimMasonTeam.com

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ALL THINGS REAL ESTATE 17

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Mundy Real Estate Residential Listings 400 Chestnut St. Mount Carmel, IL. 62863 618-263-3131

6 Skiles Drive, Mt. Carmel

704 E. 4th Street, Mt. Carmel

323 N. Cherry St., Mt. Carmel

1625 N. Cherry St., Mt. Carmel

$325,000

$157,000

$120,000

$135,000

SOLD!

Price Reduced!

11708 Sugar Creek Ave., Mt. Carmel

11933 Sugar Creek Ave., Mt. Carmel

327 E. 9th Street, Mt. Carmel

403 N. Cherry Street Mt. Carmel

$229,000

$230,000

$58,000

$246,000

1715 N Cherry Street, Mt. Carmel

4 Lambert Place, Mt. Carmel

109 Park Road, Mt. Carmel

437 Park Road, Mt. Carmel

$294,900

$84,500 $199,000 www. mundyrealestate.com

$149,900

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 19

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Subject to credit approval. Property insurance required. 1Loan to value is based on the lower of cost or appraised value. 0417-014

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20 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

TransUnion exec talks credit scores and real estate

BY SARAH SKIDMORE SELL AP PERSONAL FINANCE WRITER

It may be winter now, but the spring house-hunting season is just ahead. John Danaher, pr esident of consumer interactive at credit bureau TransUnion, says that makes this the perfect time for home-seekers who want the best terms and rates on a mortgage to take control of their credit.

TransUnion is one of the three major credit bureaus, which keep track of and provide consumer credit repor ts. Your credit repor t and score are integral to securing the best terms for a mortgage.

Q: Why think about real estate now?

A: Typically the home-buying season star ts to heat up in the springtime. That is when people start looking around in earnest. So what we recommend is doing some work upfront to make that process go as smoothly as possible. That involves checking and knowing what your

credit standing is and doing work to be preapproved for a loan so you’re ready when you find the house you want. It helps you set a budget and know how much house you can afford.

Q: What are the first steps to take?

A: The first thing is to look at your credit report and see what your score is. And maybe people don’t know this, but for a real estate transaction a mortgage lender looks at all three credit reports — TransUnion, Experian and Equifax.

So you want to understand what your credit score is and what is impacting that score.

On our side, we recommend things to consumers that they can do to improve that score. Utilization is one thing in particular that comes to mind.

I don’t know about you, but I tend to overspend over the holidays. Typically in Januar y I have my lowest credit score of the year because I have the highest utilization on my

credit cards. I pay them down and my score tends to improve.

I think we recommend that the optimal utilization should be around 30 percent.

Q: What about just paying your bills on time? I understand that is the biggest driver of your score.

A : That is the single biggest deter minant. If you are planning to buy a home, now is not the time to skip a payment. That will have the biggest negative impact on your score. It will do two things: it can drive the interest rate higher or it could, in cer tain cases, prevent you from getting a loan.

It’s ver y critical for folks to pay their bills on time. And to the extent they can have a derogator y item on their credit (such as a ver y late payment, bankruptcy, tax lien or other negative item), to address or be aware of that.

Q : How long does it take to improve your score?

SEE EXEC/PAGE 24

Bill Buchelt | TransUnion via AP

This photo provided by TransUnion shows John Danaher, president of consumer interactive at the credit bureau. It may be winter now, but the spring house-hunting season is just ahead. Danaher says that makes this the perfect time for home-seekers who want the best terms and rates on a mortgage to take control of their credit.

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Sunday, February 4, 2018

ALL THINGS REAL ESTATE 21

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22 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

If You Drink Bottled Water,

Read This!

A Typical Family of 4 That Buys Bottled Water Uses 148 Cases of Water Each Year.

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The cases stacked up would be over 100 feet tall.

More than the height of a 10 story building.

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Sunday, February 4, 2018

Licensed in Indiana & Illinois

ALL THINGS REAL ESTATE 23

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24 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

EXEC FROM PAGE 20

411 Spruce St. Princeton Feb. 11, 1-3 p.m. CST Chelsea Meeks, agent 1264 Honeysuckle Lane, Vincennes Feb. 11, 1-3 p.m. EST Beth Meeks, agent 688 N. Bicknell Road, Wheatland Feb. 11, 3:30-5 p.m. EST Beth Meeks, agent

A: In some cases it can happen ver y quickly.

The example of if you pay of f your credit cards - you’ll see it next month. If you have a derogator y item, that can stay on your repor t for seven years. You just need to set your expectations that you are not going to get the best interest rate. You can take some actions that will change it within a month’s time or it can be years.

Q: What should consumers know about ef for ts to change what the credit bureaus look at?

A: Cer tainly there is an ef for t to tr y to look at more consumer data to score more consumers, including things like payday loans or utility bills or rental payments. This is a trend in the industr y that we call “alternative data” to score more consumers. But when you look at the continuum of products out there, the mor tgage is the most traditional and resistant to change. The things they will look at are the same as years ago.

Credit score, debt-to-income ratio and the appraisal or value of proper ty — those three are still the standard pillars of the mor tgage industr y.

Q: What are some common mistakes people make in the mor tgage application process?

A: It’s usually a gap between what they think they can af ford versus what a lender would be willing to give them based on those three items. There can be a disconnect.

People say “Hey I have good credit” and assume they do, then they go to the lender and the lender pulls their file and there’s an issue or two on there. It’s that gap between expectation and reality for some folks.

Taking the long view over the last twenty years or so though — that gap has narrowed because consumers have so much more access to their credit information than they ever did and tens of millions of consumers are checking their credit more often than ever before.

Q : Some people put a fr eeze on their account following the Experian data breach.

How long before seeking a mor tgage should you lift that?

A: From a TransUnion perspective it can happen instantaneously. For mor tgage lending purposes they are going to pull all three (repor ts). You have to remember where you froze it, how you froze it - online or whatever.

You may want to take a day or two to unfreeze them before you apply but definitely make sure they are all unfrozen. It could potentially cause an issue if they can only get one or two out of the three.

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Sunday, February 4, 2018

ALL THINGS REAL ESTATE 25 Left: a dining room in a house on Penobscot Bay, Maine. Right: a living room in a house on Long Island in New York Both are featured in the book “Classical Principles for Modern Design: Lessons From Edith Wharton and Ogden Codman’s The Decoration of Houses,” by Thomas Jayne.

Associated Press

ROOMS WITH ‘GOOD BONES’: Edith Wharton’s design legacy

BY KATHERINE ROTH THE ASSOCIATED PRESS

Edith Wharton, a Pulitzer Prize-winning author famous for novels set in the late 19th century, also wrote an influential book on interior design, long considered a sort of bible of American decorating.

“The Decoration of Houses,” written before any of her novels, was radical when published in 1897. Coauthored with Wharton’s distant cousin Ogden Codman, it advocated classical simplicity and balance in contrast to the excesses of the Gilded Age. The book was “the level-headed, indispensable book on the subject,” says interior decorator Thomas Jayne of Jayne Design Studio in New York City. He calls it “the most important decorating book ever written.”

Jayne has written a new book, “Classical Principles for Modern Design: Lessons from Edith Wharton and Ogden Codman’s The Decoration of Houses” (The Monacelli Press), that revisits the classic. He argues that Wharton’s fundamental ideas about proportion and the planning of space still create the most harmonious and livable interiors, whether traditional or contemporary.

His book traces contemporary ideas about design and decor back to Wharton and Codman, showing where the old and new approaches coincide and diverge.

Organized as “The Decoration of Houses” was, with distinct chapters on walls, doors, windows, ceilings and floors, Jayne’s book adds kitchens and the use of color — two major aspects of home design today that Wharton and Codman did not address.

Accompanying the text and selected quotes from Wharton and Codman’s original are lush photos of inte-

riors from Jayne Design Studio that demonstrate Wharton and Codman’s design principles. Projects include the restoration of 18th-century public rooms in Crichel House in Dorset, England; a Montana mountain retreat; and an array of New York apartments and country houses.

Just as Wharton’s novels turned a probing and often critical eye on the excesses of upper-crust society, so her book on design was a reaction to Gilded Age and Victorian excesses in interiors, which were becoming crowded and fussy, Jayne said.

“This was Wharton’s first book. She had money and means, and had spent her teens and 20s looking at great rooms and homes. No one had ever written a book devoted entirely to decoration, as opposed to architectural treatises and what they then called ‘domestic economy books,’” Jayne said in an interview.

“She offered an unusual combination of philosophical and practical advice. Interior decoration has to function, but she argued for a higher plane of design, with an emphasis on well-proportioned rooms — with wellplaced and sized windows, and good structural elements like moldings, cornices and well-designed ceilings — as opposed to the distractions of too much furniture or unnecessarily fussy window dressings and flooring,” he said.

The book urged people to focus on well-proportioned rooms with “good bones,” Jayne said. “And that’s as true now as it was then.”

Whar ton liked ceilings, he said, seeing them as neglected and perfect surfaces to influence the feel of the entire room. Jayne’s book shows several highly structured and painted ceilings to illustrate

Wharton’s views.

Both the original book and Jayne’s work point out that beautiful rooms need not be costly.

“Baseboards and crown molding are sold by the yard at stores like Home Depot and are extremely affordable,” Jayne says, “and they do so much to provide structure to a room.” Furnishings, too, don’t need to be expensive — “they just need to be proportionate to the size and function of each room.”

If there is one main takeaway, Jayne says, it is that “tradition is not about the past or about elitism. Tradition is now. It’s active and important and democratic.”

His section on kitchens, which were ignored by Wharton because neither she nor many of her readers at the time prepared their own food, argues for eat-in kitchens, with a focus on kitchens as a gathering space.

And while Jayne ignores ballrooms, which were considered essential in Wharton and Codman’s day, he says the dining room remains important and should be included in any home large enough for one.

“It’s OK to have a room that is only used for parties or special occasions, assuming you can afford the space,” he said. “Dining rooms and ballrooms have the same kind of luxury. Wharton called these kinds of rooms ‘gala rooms.’”

“Living rooms should be living rooms and gala rooms should be gala rooms, but don’t make a hybrid. Each has its place,” Jayne said, echoing Wharton.

Jayne is also the author of “The Finest Rooms in America: Fifty Influential Interiors from the Eighteenth Century to the Present,” and “American Decoration: A Sense of Place,” a monograph on the work of his studio (both published by The Monacelli Press).

26 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

5 must-have home features for retirees As we move through the different stages in our lives, our housing needs change too. The home you were excited to move into in your 30s might not be ideal for those now nearing retirement.

According to the Joint Center for Housing Studies of Harvard University, between 2015 and 2035, the number of people over the age of 75 living alone will nearly double from 6.9 million to 13.4 million. Being prepared for retirement and aging is important, so we’re going to take a closer look at the specific housing features that would most benefit those who are looking to downsize or find that perfect home to “age in.”

1. Walk-in showers Installing a walk-in bathtub or large shower is a good idea for ease and safety. Having extra room to move is not only aging-friendly, but a timeless trend that is easy to maintain. Clayton, one of America’s largest homebuilders, features optional walk-in showers with benches that are available in many of their homes. This is a feature that’s great at any age.

2. Wide doors and hallways Spacious doors and wide hallways do the double duty of making your home look great while providing enough space to maneuver a wheelchair or walker through if needed.

3. Open floor plans A home design trend that is perfect for any homeowner age is an open floor plan. But for boomers, an open floor plan is more than just an aesthetic feature.

Having wide spaces that allow you to move around is essential to maintaining your independence as you grow older. It also helps add more natural light and is ideal when gathering with family and friends.

4. Low maintenance Fixing up an older home with good bones might look fun on TV, but it’s not something you will want to deal with in your retirement. Rather than trying to troubleshoot problem after problem, look for a newly constructed home. Not only will you have fewer maintenance issues, but you can design a flexible

floor plan that fits your lifestyle.

5. A customizable floor plan The features listed so far are part of what is commonly known as age-in-place design. These home features work for people of all ages, but are designed so you can age into them. In addition, make sure the home you purchase is single-story and fits the lifestyle you want for your future.

As you grow older, you realize there is no one, per fect dream home. Rather, there are dif ferent dream homes for different stages of your life.

Rent vs. own: Which is right for you?

If you’re thinking of buying your first home, you’ve probably wrestled with the decision to rent or own your home and for good reason.

Owning a home is a big commitment.

With it comes a lot of responsibility and a long-term financial relationship.

But which is right for you? To answer that, let’s lean into the facts.

THE IMPROVING HOUSING MARKET

Good news! Since the depths of the recession, the housing market has made a heroic comeback. That can be attributed to a number of factors, including a drop in unemployment and a stronger economy.

But as the housing market has recovered, it has experienced some growing pains. With a sharp increase in demand, housing supplies are being strained.

This means, among other things, that prices are going up.

For families and individuals still

recovering financially, finding afford- charge maintenance and other fees. Utilable housing options can be difficult. ity costs will also vary depending on the This applies to home sales and rentals. quality of the structure and materials used as well as size of the rental space.

Homeowners will pay property taxes, MAKING THE DECISION With rental and sales markets head- insurance and an estimated $500 annuing toward record highs, the decision ally for routine maintenance, according falls back to what is best for you. Specifi- to the Census Bureau. cally, what is financially feasible.

Let’s look at the basic numbers.

THE BENEFITS OF According to the U.S. Census Bureau, HOMEOWNERSHIP the median gross rent paid from 2012 At a glance, it may seem that renting to 2016 was $949 monthly. Compare is the lower cost option. But there are that with the median selected monthly certain benefits to homeownership that owner costs with a mor tgage, which may offset the additional regular costs. was $1,491 over the same time period.

According to the Tax Policy Center, Then there are utilities. The median the primary benefit to owning a home monthly electricity cost for renters in is imputed rental income. Simply put, 2015 was $82, with owners paying $117. making a monthly payment on a home For piped gas, the median amount rent- that you own is like paying rent to yourers pay monthly is $42, while owners self.

While that money is not taxed, it pay $58.

For renters, it is wise to carry rent- comes with another benefit - potential er’s insurance. Some landlords will also tax deductions. When you file your fed-

eral taxes, you may be able to deduct a portion of the mortgage interest you pay. Talk to a tax professional for more information on the expenses you can deduct and the limits for those deductions.

BEYOND THE NUMBERS Homeownership provides a variety of benefits beyond the numbers. For many people, a home is the largest investment they will ever make. The upgrades, work and care put into the home that you own can add value to your investment. It also adds a sense of pride knowing that it is yours.

“Having a place to call your own, a place to return to at the end of the day, makes life better,” said Vanderbilt Mortgage and Finance, Inc. President Eric Hamilton. “You can see it from the moment they make the decision - that sense of pride. It’s a life-changing event and a memory that will last a lifetime.”

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 27

Top 5 features millennials look for in a home

For generations, homeownership has been part of the American dream. For most Americans, it’s the largest, most significant investment they’ll make, and because homeownership is the best way to grow their wealth, the most important investment as well.

As the youngest generation of new homeowners, millennials are entering the housing market and are eager to get a home to fit their unique lifestyles. Just as every generation has its own music, its distinct style and look, the new generation of homeowners has different expectations than buyers did a few decades ago. To shed some light on these evolving home trends, here are five of the most popular features millennials look for in a home.

1. It needs to be energy efficient.

More than other generations, millennials are particularly concerned with their impact on the environment. As such, they want to be sure the home they buy will have a minimal carbon footprint.

Some energy-efficient features that are a priority for homebuyers are UV-protected windows, programmable thermostats, efficient appliances and upgraded insulation.

2. It needs to be customized to their tastes. It’s not enough to find a home that is merely “livable”; millennials want a house that is an outward and inward expression of who they are. Trans-

lation: The one-size-fits-all model is no longer sufficient. This is one reason manufactured and modular homes from Clayton Homes have become so popular. They

3. Rethinking space usage. The era of buying a house as big as you can afford is on the way out. Many millennials are forgoing the extra bedrooms and enormous living rooms. These homebuyers prefer smarter ways to utilize space for their family’s needs, while keeping a cozy and intimate atmosphere.

4. Open floor plan. In a world where everyone seems to be plugged into their phones and staring at their individual screens, the open floor plan has emerged as a way for families and guests to come together and share the same space. Basically, the fewer walls between the kitchen, dining room and living room, the better.

This floor plan also aids homeowners with their entertaining needs and provides more natural light, which is very big for this young generation.

5. A room for a home office. The millennial workforce is a mobile workforce, and just as this generation is transforming the home market, it is also transforming the workplace. Millions of Americans work from home, and many more are often given the option to work a day or two a week from home. With this shift, many potential homeowners want to be sure there is a suitable workspace for an office. offer diverse floor plans with a number of With evolving needs and different customizable options to suit individuals’ tastes, many millennials worry that they needs and unique styles. There are even will spend a lot of time searching for that one, perfect dream home. built-in home features for pets!

New ways renters are becoming homeowners The world that millennials have grown up in is a lot different than the world the Gen Xers and Baby Boomers knew. The digital revolution, widespread use of smartphones and adoption of disruptive technologies such as ride sharing and vacation rental apps are just a few of the factors that have altered the social landscape.

Unfortunately, rising student debt, rising home prices and other economic factors have hit many millennials and left them to believe that they cannot afford a home. Many feel as though they have been priced out of the American dream and they will never be able to buy a home.

But no matter what your age, there are plenty of ways to become a homeowner, you just have to think a little more creatively.

NEW PRIORITIES MEAN A NEW SOLUTION As demand for housing increases, and prices on new and existing homes continue to rise, manufactured housing has adapted to the standards of today’s

first-time homebuyers and provides a solution for a market in short supply of quality, affordable options.

In 2016, the average sales price for a manufactured home without land was around $70,600 - that’s an average of $48.82 per square foot - making them an affordable solution to renters looking to become homeowners.

“We believe manufactured homes offer a great solution for many households seeking affordable housing,” says Vanderbilt Mortgage and Finance Inc. President Eric Hamilton. “We work with our customers to help find financing options that fit their needs and circumstances.”

Renters don’t have to continue doling out a monthly check for something they’ll never own. The housing market has changed and with this change, manufactured homes have brought forth new opportunities to become a homeowner.

found that more U.S. households are now renting than at any time in the last 50 years. With a rising number of renters, many have worried that we are becoming a nation of renters rather than a nation of homeowners.

This is most evident with the younger generation, people under 30, who the National Multifamily Housing Council have found now account for 50 percent of all renters in the U.S. They aren’t renting because it’s a more affordable option, either. As many residents know throughout the country, rents are going up and up. Between 2012 and 2015, the median gross rent has gone up 8.24 percent, rising to $959. When you combine that with the utilities, a deposit and first and last month’s rent, it’s a lot of money to spend on something you will never own.

So why do people choose to rent? One reason is that many don’t realize that just like phones, cars and countless other things we use on a daily basis, homes THE RISE OF THE RENTAL Looking at current trends, a recent research study have changed.

28 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Selling modulars, new and used sectionals and single wides!

Stop by today and tour the beautiful “Roosevelt” Rochester home!

1011 N. Hwy. 257 • Otwell, Indiana • (812) 354-2197

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 29

1011 N. Hwy. 257 • Otwell, Indiana

(812) 354-2197

Rochester Modular Homes are Prefab Constructed to Stick Built Standard.

The Roosevelt is a 4BR triple-wide that has 2,228 sq ft on the main level and around 1000 sq ft upstairs that can be finished out as desired. Our customers did a garage with room and attic trusses on their home. What are you looking for?

Come on in and tour the homes to get a feel for what you want.

Floor plan books are available and you can get a quote for the home you want!! You can do it on a controlled crawl space or over a basement. Get you quote with a garage and a porch!

Rochester offers Ranch, Cape Cod and Two Story homes.

www.dutchtown-homes.com

30 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Create efficient, inviting outdoor living Be ready to enjoy the warm days of spring and summer with an “updated” outdoor dining/living/garden area that is welcoming and efficient.

Projects Take stock of your outdoor furniture — do you need more? Would colorful new Adirondack chairs, a new picnic table and maybe a garden bench and planters be more inviting? Or perhaps a cleanup and new paint would bring your existing furniture to life for another season? Does your porch/patio/deck area need to be resurfaced or enlarged?

Streamline your dining by building mobile carts to transport food for prep and for serving. Add a butcher block top to the food prep cart and storage drawers to both, and improve the efficiency and pleasure of your dining experience.

Gardeners may want to build a potting bench and wooden flatbed wagon to haul plants and supplies.

TOOLS, SUPPLIES AND HOW-TOS “Make anywhere your workspace with the Kreg Mobile Project Center,” Woodcraft senior product manager Peter Collins said. “It’s a portable workbench, sawhorse, assembly table, and clamping station all in one that provides a versatile work space for DIY, repair, and woodworking projects.”

The large 273⁄4” x 311⁄2” polypropylene work surface supports a 350-lb. load capacity, and two centers can be connected to double the work area. Collins also suggested adding the new Kreg In-line Bench Clamp and Bench Clamp System for Dog Holes to make almost

every clamping task possible.

Visit Woodcraft.com to see Building Plans for Outdoor Furniture, as well as Adirondack chair templates.

Woodcraft.com also offers a large number of how-to articles such as “Laid Back in a Classic Adirondack” that shows how to build with Adirondack chair templates, while “WoodSense: Spotlight on Outdoor Projects,” describes woods that work well outdoors.

For building projects, the Freeman 11⁄4” 18-Gauge Brad Nailer is a professional quality, innovative home improvement tool that is great for furniture. Its oil-free operation requires no regular maintenance and eliminates the risk of stains on project surfaces. If your joinery choice requires screws, the Groz Insta Drive Screwdriver features a patented retractable, rotating bit cartridge that makes it easy to find, store and change driver bits.

For hauling lumber or other large items to your project site, use the Xstrap Heavy Duty Ratchet Tie Down to hold up to 1,000 pounds in place on a truck bed.

To finish new furniture or recolor existing pieces — and brighten your outdoor landscape — choose one of the 28 premixed General Finishes Milk Paint colors that can be mixed, lightened, glazed, layered, antiqued, or distressed. Other good choices for outdoor surfaces include General Finishes Outdoor Oil Finish (use over exterior oil stain or exterior clear oil finishes for additional protection) and General Finishes 450 Varnish (minimizes fading, retards mold and fungus growth).

For painting guidance, watch “Hand Applied Milk Paint from General Finishes at Woodcraft” and read

“Create a Milk Paint Masterpiece” on Woodcraft.com.

HOMERIGHT’s Finish Max HVLP Sprayer will spray most solvent (except lacquer and conversion varnish) or water-based products — latex paint, milk paint, chalk paint, furniture paint, stains, and finishes. It’s easy to set up, use and clean. When painting furniture, consider using the HOMERIGHT Large Spray Shelter. When painting small accessories, opt for the Small Spray Shelter.

For furniture that needs some TLC, read “Restoring Outdoor Projects” on Woodcraft.com to learn how to determine what needs to be deep cleaned, repaired, rebuilt and repainted. Handy helpers for the TLC process include Blue Bear Paint and Urethane Stripper, Krud Kutter No-Rinse Prepaint Cleaner, Titebond III Ultimate Wood Glue, SculpWood Putty, and Briwax ChaiRX.

CUSTOM GARDEN & GAME PROJECTS Turn a unique transplanter, cultivator and weeder with the three-piece WoodRiver Garden Tool Turning Kit constructed of durable, cast aluminum. Turning blanks for the handle, sold separately, may be made from wood, acrylic or another man-made material. Build a wooden croquet set with help from “Picnic Perfect Croquet Set” in Issue 65 of Woodcraft Magazine. Subscribers can download the article free, or the issue can be purchased at Woodcraft.com.

To learn more about these and other products, visit your local Woodcraft store, call (800) 535-4482 or visit www.Woodcraft.com.

Use renovations to create healthier homes Home r enovation pr ojects ar e done for several dif ferent reasons, whether to update styles, repair damaged or broken items or to achieve more living space. More than ever before, homeowners are choosing improvement projects geared toward making their homes healthier.

Establishing a healthy home means dif ferent things to dif ferent people. For example, to an environmentalist, a healthy home may incorporate eco-friendly or green products. To those with young children or mobility-impaired seniors, a healthy home may be one free from potential hazards. Others may view a healthy home as one that alleviates allergies.

The World Health Organizations says inadequate housing conditions, such as poor ventilation, radon, urban pollution, and moisture issues, can contribute to many preventable

diseases and injuries — especially respirator y problems, ner vous system disorders, cardiovascular diseases, and cancer. Fur ther more, the U.S. Environmental Protection Agency ranks indoor air quality as a top five environmental risk to public health. EPA studies have found that indoor air pollution levels were roughly two to five times greater than outdoor pollution levels.

People interested in making their homes healthier can embrace these renovations and lifestyle changes.

• Be aware of furniture materials.

Toxic PBDEs, which are chemicals used as flame retardants on fur niture fabrics produced prior to 2006, can send toxins into the air. Some manufacturers may still use these flame retardants in new forms, but with similar risks. Before purchasing furniture, ask if a product is treated, and select naturally fire-resistant

materials like wool and cotton.

• Lighten up. Lighting is often underappreciated but can have a dramatic impact on whether a home feels inviting, warm and/or uplifting. Experiment with different types of bulbs and lighting fixtures to turn drab and drear y environments into brighter places. Lighting may improve mood and productivity.

• Let the sun shine in. Modify window treatments to let more sunlight into the house. There is evidence that the sun, par ticularly UV light, is a potent bactericide. The Sunlight Institute advises that there’s no harm in letting natural sunlight do its work, as bacteria within eight feet of low-intensity UV light can be killed in 10 minutes.

• Inspect and ser vice wood-burning appliances. A study published in the American Jour nal of Respirator y Cell and Molecular Biology

has found regular inhalation of wood smoke limits immune activity and function, and anyone who bur ns wood indoors should be aware of these potential health risks. Ensuring proper ventilation of smoke and routinely cleaning the chimney can help cut down on particulate matter.

• T ur n to nontoxic cleaning products, pesticides and insecticides. Always opt for nontoxic, natural products when cleaning in and around the house.

• Declutter the home. A cluttered, hectic space can affect emotions and mental state, never mind attracting dust and making a home harder to clean. Spending time in spaces that do not elicit stressful feelings is healthier and can help residents to rest and recharge.

Making a home healthier can be on the list of this year’s renovation plans.

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 31

OPEN 7 DAYS A WEEK • “WE SERVICE WHAT WE SELL”

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812-385-2641 Mon - Fri 7am-6pm • Saturday 7am-5pm Sunday 10am-4pm

32 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Samsung’s Hawkinson on smart-home evolution

BY ANICK JESDANUN AP TECHNOLOGY WRITER

NEW YORK — Many ever yday appliances are connecting to the internet these days, allowing people to control them with apps and voice commands. More homes are embracing this, especially as people get comfortable using smart speakers such as the Amazon Echo and Google Home.

For five years, Smar tThings has been making smar t-home products and a system for connecting similar products from other companies. Samsung bought the company in 2014 to expand its por tfolio of internetconnected and automated ser vices.

SmartThings’ founder and CEO, Alex Hawkinson, spoke with The Associated Press recently about how smart-home products are evolving. Questions and answers have been edited for length and clarity.

nected lighting. It’s really simple to get started with the bulbs. You can go really deep with the in-wall switches and things.

People love that it doesn’t cross into the security and privacy concerns a lot of people have with connected speakers and cameras.

Q: Wait, are these products safe?

A: We pride ourselves in being leaders. Past problems tend to be low-quality devices, but they scare people. Obviously adoption is accelerating, so it’s not the big holdback, but it would be wrong for me to say that’s not a question. Have a conversation about connected locks with somebody, and you’ll probably get like, “but it could be hacked,” even though the reality is burglars are going to just break the door down.

Q: How are smartphones helping everyday people embrace smart homes?

A: There’s more connected to your Q: What’s the most common smart- phones in your life. A lot of people a home product, based on what you’re see- couple years ago hadn’t had the experiing connected to SmartThings’ systems? ence of pushing a button and seeing a car A: Eighty percent of our base has con- show up. Pushing a button and seeing

some groceries, or some food show up.

The continued maturity of the smartphone has caused consumers to recognize that the world is totally hyper-connected. That psychology makes it ready for people to say, “Why not have this?”

Q: How will artificial intelligence improve the experience?

A: The No. 1 issue in security monitoring is false positives. You arm it, and you set it off when you come out to get a glass of water. AI’s going to solve this.

We can see in the pattern of data what’s a false positive or not, without the user having to program stuff. When your smartphone is upstairs, and you are asleep because it hasn’t been in use for a while, you can probably arm the security. But if you pick the phone up and there’s been no motion downstairs, it’s probably you coming downstairs.

Or take lighting. You’ll get to this point this year where, “Hey, make it look like I’m home when I’m going out of town.”

It’s got enough data where it can emulate you being home. They can follow the pattern and vary it to make it look real.

Associated Press | Anick Jesdanun

This Dec. 7, 2017, photo shows Alex Hawkinson, the founder of Samsungowned smart-home appliance maker SmartThings, in New York. Hawkinson spoke to The Associated Press about the industry’s evolution and how artificial intelligence is set to make internet connected devices even more useful.

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ALL THINGS REAL ESTATE 33

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Sunday, February 4, 2018

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Safe Home Solutions for Aging In Place There’s No Place Like Home Your home is a place of peace and safety, however, if you do not update your home as you age, the home can quickly become threatening. Ensuring your home is equipped to keep you safe is very important as you age. These updates may include grab bars, traction strips, stair lifts, walk·in tubs, and more!

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Update Your Home for Safety and Comfort Williams Bros Pharmacy can assist with updates to your or your loved one’s home. Some of the most common home modifications include: • Grab bars in any room • Interior and exterior ramps • Doorway thresholds ramps for indoor and outdoor locations • Custom stair li fts, vertical platform lifts (VPLs) or home elevators • Walk- In tubs or showers with benches and hand-held shower heads • Curb-less or barrier-f ree showers • Ceiling lifts Don’t wait anot her day to be safe and independent in your home. Visit a Williams Bros. showroom to see products and accessible designs in person or contact the accessible home modification experts at Williams Bros. by signing up for a Free Home Safety Assessment in the left column or calling 800-264-0064 and ask for Safe Home Solutions now.

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36 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Buying a home as an unmarried couple?

BY BETH BUCZYNSKI NERDWALLET

Many couples don’t realize how risky buying a home with an unmarried partner can be. Here’s how to deal with these risks using some planning, a good lawyer and a slightly awkward conversation or two.

SIGN A PRENUP . FOR THE HOUSE No couple wants to talk about breaking up, but if you’re going to be co-homeowners, it’s a must, says Renee Bergmann, a real estate attorney and owner of Bergmann Law LLC in Westmont, New Jersey. She recommends unmarried couples create a co-ownership contract with the help of a legal professional before closing day.

The agreement should answer basic questions like: What happens to the property if you split? What if one of you becomes disabled or dies? Who pays utility bills or for major repairs?

Don’t just “wait and see what happens,” Bergmann says, because without a written agreement “things could get messy very quickly.”

CHOOSE THE RIGHT TYPE OF TITLE transfers to the other joint tenant.

Turns out there’s more than one way to own a house, and taking title the right way is especially important for unmarried couples. Options vary from state to state but generally include: — Sole ownership: Only one name is recorded on the deed and that person has all the rights and responsibilities of ownership.

Pros: Sole ownership may yield tax savings if your incomes are drastically different. And, if your partner has bad credit, applying for a home loan in your name only may help with approval. However, remember ownership rights are determined by names on the deed, not the mortgage, Anna Fabian, vice president of product at lender SoFi, said via email.

Con: If the relationship ends and you’re not on the title, you’ll risk walking away with nothing even if you contributed money to the purchase or mortgage payments.

— Joint tenancy: Each person owns 50 percent of the property. If a tenant dies, that person’s share automatically

Pro: Joint tenants enjoy right of survivorship, so you won’t have to worry about fighting the estate or relatives for the house in the event of your partner’s death.

Con: An unfriendly breakup could spell trouble, especially if one partner can’t or won’t buy the other out.

— Tenants in common: Allows unequal ownership, so you could own a 75 percent stake while your partner owns 25 percent, for instance.

Pro: Ownership shares can be tailored to match financial contributions; if you paid more toward the down payment, for example, you can own a larger percentage.

Con: If one tenant dies, the other has no automatic right to that person’s share of the property unless named in a will or living trust.

No matter which approach you choose, if you tie the knot after buying, consider revising the deed to reflect your new legal status with something called a “quitclaim deed,” Bergmann says.

LEAVE YOUR PARENTS AT HOME Buying a home is a stressful decision, so younger unmarried couples often involve their parents, but sometimes this only makes things more confusing, says Danielle Moy, an agent with Coldwell Banker residential brokerage in Orland Park, Illinois.

“I can tell the parents are unsure of the situation, and it causes a bit of an emotional roller coaster when they’re looking at homes,” Moy says.

Ultimately it’s your house and your decision, Moy says, so make sure you and your partner agree about what you want — no matter what Mom and Dad think.

This article was provided to The Associated Press by the personal finance website NerdWallet. Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@ nerdwallet.com. Twitter: @bethbuczynski.

RELATED LINK: NerdWallet: Homebuying checklist https://nerd.me/homebuying-checklist

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Sunday, February 4, 2018

Minimize dust while renovating Even though dust is ever-present both inside and outside of a home, when renovations are in full swing, dusty conditions are often exacerbated.

Whether a home is new or old, numerous substances can be stirred up when removing walls, refinishing floors, removing tile, or expanding living spaces. These include silica from drywall, lead, asbestos, paint particles, and even waste from bugs or rodents.

Homeowners who want to remodel with minimal construction debris floating through the air — both for health purposes and general cleanliness — may find these proactive steps helpful.

• Prepare dust-containment plans.

If a contractor is involved, it is often his or her responsibility to minimize dust.

Do-it-yourselfers must make dust containment a priority. Protecting the floor and keeping the dust confined only to work areas can be achieved with plastic sheeting and other barriers.

• Designate an entrance and exit.

The experts at This Old House say it

is best to choose one doorway as the only means in and out of a work area.

Ideally, this doorway should lead to the outdoors. All other doorways should be sealed on both sides.

• Remove extraneous items. It’s best to remove clutter from the room, including any furniture that can be

taken out of the space. This helps items from becoming dir ty and hazardous particles from settling into nooks and crannies.

• Close vents and r egisters.

If forced air systems are part of the home, it’s best to divert air away from the work area. Block vents and intake

registers so that dust does not clog the system or transfer to other rooms.

• Cut items outside. Design advice site Houzz says that some power tools have vacuum extractors to suck up dust at the point of contact, removing 90 percent of dust where it is generated.

For those who do not have access to these tools, cutting and sanding can be done outdoors to keep dust outside.

• Open a window. If weather permits, an open window can provide ventilation. Another idea is to create an air vacuum in the work area. Picking a window at the far end of the work area and mounting a window fan blowing outward can suck dust out and away from other areas of the house.

• Clean up daily. By keeping on top of dust, including sweeping and vacuuming the work area frequently, dust will not accumulate and migrate elsewhere.

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ALL THINGS REAL ESTATE 39

40 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Real Estate Transfers Knox County real estate transfers  Carmen J. and Norman C. Harting (deceased) to Byron Harting and Rita Osburn, 114 Indiana Street, Edwardsport Deborah N. Philliips Linneweber to Benjamin R. Trotzke, 1311 Ritterscamp Ave., Vincennes, $10 consideration Ronald E. and Evalyn L. Adcock to Shan Bowers, 201 East Carlisle, Edwardsport, $10 consideration Christopher and Mindy Ritchie to Ian C. Ritchie, 205 East Church Street (lots 3, 4 and 5 Purcell Addition), Decker, $1 consideration Christopher and Mindy Ritchie to Ian C. Ritchie, 113 West Church Street, lot 7 Sessions Second Addition, Decker, $1 consideration Christopher L. Ritchie to Ian C. Ritchie, East Church Street, Decker, $1 consideration Christopher L. Ritchie to Ian C. Ritchie, East Church Street, Decker, $1 consideration Jay D. and Jo Lori Singleton to Jerry L. Like, Donation 36, Township 2 North Range 9 West Harrison Township.

Jerry Like to Jay and Jo Lori Singleton, Donation 36 Township 2 north, Range 9 West Harrison Township.

Jerry Like to Jerry and Georgialee Like,

part Donation 36, Township 2 north, Range 9 west Harrison Township Jerry Like to Jerri McCoy, part donation 36, Township 2 north Range 9 West Harrison Township Jerri McCoy to Jerry and Georgialee Like, part donation 36, Township 2 north, Range 9 west, Harrison Township, $1 consideration Londa Theriac, trustee and Viola Cook to Sharon and Michael Cox, 210 Mckinney Road, Vincennes, $10 consideration Judy Gilmore and Earl Martin Jr. to Sharron Hagemeier, lots 2 and 3, West McCaughey’s addition, Edwardsport, $10 consideration Lewis Basbagill, Julie Harpold nka Julie Basbagill to Rovert Clark and Karen Bruggemann, 1421 Old Orchard Place, Vincennes, $10 consideration Robert E. Biggs to Rovert E. and Doris Biggs and Mary Teising, southwest quarter section 11, township 2 north, range 10 west, Johnson Township etal, $1 consideration Auditor of Knox County, Jack Moore and Grace Murdock to Calvin Humble, 711 West Main, Wheatland, $450 consideration Auditor of Knox County, Jack Moore and Grace Murdock to Calvin Humble, 723 West

Main Street, Wheatland, $400 consideration Valerie Hendricks and Jeffrey Hendricks, deceased, to Aaron and Jason Hendricks and Stormey Wiegman, 202 South 9th Street, Vincennes, $1 consideration Douglas Wehrman, Diane Parker, Phillip and Michael Wehrman to Christopher G. Madison, 1409 Main Street, Vincennes Jerrold Melvin and Aaron Doll, attorneys in fact, to Peter and Amanda Lipsy, 421 Bayou Street, Vincennes, $10 consideration Gary and Karen Shepherd to Darin Bellessa, 2268 East Seminole Drive, Vincennes, $1 consideration Diana Whitlow, aka Diana Cornelson to Coty and Kelly Seals, 910 North 12th Street, Vincennes Allied Indiana Investments LLC to Sarah Coleman, 307 North 1st Street Edwardsport Mark Sutton and Matthew Sutton, personal representatives and Amos Sutton, deceased, to Ronald and Carolyn Small, South State Road 241 Monroe City Monty and Lu Ellen Mize to Terry Pickett, lot 29, Old Town of Nashville, now Monroe City, $10 consideration Benjamin Singleton, Trustee, and Benjamin Singleton Revocable Trust

and Leigha Singleton, Trustee and Leigh Singleton Revocable Trust to Michael and Deanna Plummer, part fraction sectionn 1, township 4 north, range 10 west, Busseron Township etal, $10 consideration Robert Gartner to Paula Molizin, Marilyn Kirchoff, Virginia Cope and Julia Like, 2725 Raney Drive, Vincennes, $10 consideration.

John and Kathryn Brown to Clem Witteried Jr., 15 West 15th Street, Vincennes Alton LLC to Tyler and Kayla Richter, lot 38 Ridgeview Village Subdivision, Palmyra Township, $10 consideration Knox County Auditor and Fredy Guevara to James and Misty Choate, South Park Street, Oaktown, $435.94 consideration Kevin B. Carroll to Integrity Land Development LLC and Brad J. Delp, 908 North Main Street, Bicknell, $1,000 consideration Jeffrey S. Kolb, personal representative and Willard A. Morris, deceased, to Heath and Amy Klein, 907 Broadway Street, Vincennes Gardner Farms LLC to Jay and Emily Cockerham, East State Road 61, Monroe City, $10 consideration CONTINUED ON PAGE 44

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Sunday, February 4, 2018

ALL THINGS REAL ESTATE 41

Painting & Powder Coating

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42 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

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Sunday, February 4, 2018

ALL THINGS REAL ESTATE 43

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44 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Real Estate Transfers FROM PAGE 40

Nannette Grumeaux to Sean Wolak, 1414 Main Street, Vincenes, $10 consideration Linda Kasel to Linda Candler, 1417 South Nugent Road, Vincennes, $10 consideration Gloria Meeks to Nicholas Bluebaum, 11474 North Produce Road, Oaktown, $1 consideration Knox County Auditor and S&D Investment Properties to Allied Indiana Investments, 102 West Shipping Street, Edwardsport, $500 consideration David Colegrove to Donald and Lisa Cook, part survey 56, township 3 north, range 10 west, Vincennes Township, $10 consideration Kara Westfall to Darin Bellessa, 2268 East Seminole Drive, Vincennes, $1 consideration Gary W. and Karen Shepherd to Darin Bellessa, 2268 East Seminole Drive, Vincennes, $1 consideration Knox County Sheriff and Philip Ozment to JP Morgan Mortgage Acquisition Corp., 124 South 14th Street, Vincennes, $23,040 Jacquelyn Nelson to Jack Lucas, 1908 Charles Avenue, Vincennes

Carrington Mortgage Services LLC to Secretary of Housing and Urban Development, 1908 Charles Avenue, Vincennes Carrington Mortgage Services LLC to Secretary of Housing and Urban Development, 200 East Harrison Street, Edwardsport, $10 consideration John R. and Rhonda Laue to April Zellers, part lot 200, Old Town, City of Vincennes, $10 consideration Jason and Rachael Murphy to Alexis Celani, 839 Ritterskamp Avenue, Vincennes, $10 consideration Jesse R. and Sheree A. Russell to Chase J. Bittner, 1220 Ridgway, Vincennes, $10 consideration Dorothy Seibel to Heidi and Trent Hinkle, 1946 East Decker Road, $10 consideration NC Inc. and Neihaus Lumber Co. Inc. to Charles and Denise Hendrix, lot 25 Lakewood Park Subdivision, Vincennes Twp. William J. Robinson to Robnie LLC, part donation 130, township 3 north, range 8 west Second Princnipal Meridian etal Carl K. Ellermann to Carl K. Ellermann Trust, 1824 East Old Decker Road, Vincennes Doris K. Brocksmith, Barbara J. Tilly,

Sokeland

trustee, Barbara J. Tilly Revocable Trust and Marilyn S. Cullen to Benjamin Summers Family Farm Inc., west side of northwest quarter of the northwest quarter section 3, township 4 north, range 8 west, etal.

Kraig and Tracy Kerzan to Chad and Gina Deckard, 3817 North River Bluff Road, Vincennes James L. Robinson and Robinson Farms Inc. to Henry and Judy Prusz, part west half southwest fraction quarter section 1, township 4 north, range 9 west, etal Steen Township Red I. Brookstone to Neil and Traci Gordon, 626 Barnett Street, Vincennes, $1,500 consideration Shirley A. Wagoner to Shirley A. Wagoner, 1967 South Main Street Road, Vincennes Jolee Culp to Cheryl A. Wilson, 109 West Main Street, Decker Louis W. Donley to Craig A. Welton, 1088 East Scott Street, Vincennes, $10 consideration Edward Kennedy to Bynums Inc., 430 North 4th Street, Vincennes, $2 consideration Theresa Sue Blair to Vincent Blair, 201 and 203 East First Street, Bicknell

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Windgate Properties LLC to Board of Trustees for Vincennes University, 314 East Locust, Vincennes, $1 consideration Kenneth Groteguth, by attorney in fact, Darla K. Groteguth attorney in fact to Darla Groteguth, 108 South Chambers Street, Edwardsport Knox County Auditor and Rex and Margo Trowbridge to Roma Collins, 11710 East John, 11719 East John and 11729 East John, Bicknell, $426.53 consideration Knox County Auditor and Dorothy McClure to Roma E. Collins, 11714 East McClure Street, Bicknell, $174.75 Joseph C. Mouzin to Joseph C. Mouzin, partlot 3, fraction section 11, part survey 52, township 2 north, range 10 west, Second Principal Meridian, Johnson Twp. etal Thomas E. and Douglas E. Mouzin to Joseph C. Mouzin, partlot 3, fraction section 11, part survey 52, township 2 north, range 10 west, Second Principal Meridian, Johnson Twp. etal, $10 consideration Joseph C. Mouzin to Thomas and Douglas Mouzin, 1908 East Watermelon Road, Vincennes, $10 consideration CONTINUED ON PAGE 46

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 45

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46 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Real Estate Transfers FROM PAGE 44

Tamra Runyon, formerly known as Tamra Miller, and Betty Ann Foss to Melinda J. Miller, part UPS 17, 18 and 19, township 3 north, range 10 west, etal, $10 consideration Carley M. Augustine to Wesley and Mary Roark, 146 Daleview Drive, Vincennes, $10 consideration Wesley and Mary A. Roark to Daniel and Traci Shoulders, 3428 Old Bruceville Road, Vincennes, $10 consideration Bruce Miller to Andrew and Elizabeth A. Miller, part donation lot 243 etal Brent Courter and KB Court Properties LLC to Chad Buckthal, south half northwest quarter northeast quarter section 24, township 5 north, range 8 west, $130,000 consideration ODonnell Supply Inc. to Jack R. Dale, 2336 South Old Decker Road, Vincennes Matthew D. Black to Matthew Black and Pamela Bousley, 155 West Niblack Road, Vincennes, $1 consideration Janet Earley to Aaron Lange, 104 Pineview Drive, Vincennes, $1 consideration Knox County Sheriff, Travis and Kristi

Clifton to Bank of New York Mellon Trust Company NA, Bank One NA and Greenpoint Manufactured Housing Contract Trust, 3423 South Field Road, Vincennes, $64,491.46 Knox County Sheriff, Sherry L. Stephens, Rovert Roth and Sherry Stephens to JP Morgan Chase Bank NA, 602 West Main Street Bruceville, $35,500 Knox County Sheriff and Craig T. Emery to JP Morgan Chase Bank NA, 1813 East Johnson Lane, Vincennes, $60,350 Myron and Lois Noble co-trustees and Myron and Lois Noble Revocable Trusts to Myron A. Noble, 1602 Burnett Lane, Vincennes Chad and Gina Deckard to Daniel and Melissa D. Smith, 3741 North River Bluff Road, Vincennes, $10 consideration Knox County Sheriff and Dennis Hughes to MR Cooper DBA and Nationstar Mortgage LLC, 2289 Eas Shawnee Drive, Vincennes, $84,370 Knox County Sheriff, Jason Powers and Powers Rentals LLC to Fieldstone Mortgage Investment Trust and HSBC Bank USA, 508 West 3rd Street, Bicknell, $22,000 Knox County Sheriff, Chad and Jennifer Brewington to Bank of New York Mellon,

Bank of New York Trustee and CWABS Inc., 204 Alexander Drive, Vincennes, $85,243 Knox County Sheriff and Helen Scott to Fannie Mae Fedeal National Mortgage Association, 57 East 16th Street, Vincennes, $38,000 Knox County Sheriff and Merrill Lynch to Qualk Properties LLC, 5456 East State Road 61, Vincennes, $34,851 James E. Bond Jr. to Jeffrey R. and Diana J. Earley, 1427 Mentor Street, Vincennes, $10 consideration Gerald Coomer and Delanor Coomer, deceased, to Gerald Coomer, 618 South 9th Street, Vincennes Karleen Rousey to Melvin Lich and Nanette Greumeaux, 314 West 6th Street, Bicknell, $10 consideration Pascal J. and Nancy S. Johnson to Brian Johnson and Brooke Newton, 3522 East Crystal Valley Drive, Vincennes Jake’s Auto Sales LLC to Ralph and Ruth Miller, 1102 Division Street, Vincennes, $18,000 Federal Home Loan Mortgage Corporation to Trey Miller, 607 West 9th Street, Bicknell, $15,300 Cyberica Property Corporation to

Oaktown First Christian Church Disciples of Christ Trustees, 203 West Main, Oaktown, $10 consideration Snyder Rentals 3 LLC to Kody L. Waggoner, 107 West Breckenridge Street, Monroe City, $10 consideration Knox County Auditor and Catherine D. Vories to Scott Chanley, part survey 18, township 2 north, range 9 west, Johnston Township etal, $3,000 Wayne C. Johnson, Wayne C. Johnson trustee, Matthew Roark first successor trustee to Wayne C. Johnson and Wayne C. Johnson Revocable Trust, south part of northwest quarter of southeast quarter of section 33 etal, $10 consideration William Howard to William Howard, northwest quarter of northeast quarter of section 9, township 5 north, range 9 west etal, $1 consideration Mark and Vinetta Blinn to Ernest Drysdale and Pamela Garrison, 2627 Hart Street Road Vincennes, $10 consideration.

Carol S. Merry to Trent and Roslyn Johnson, 211 Wilbur Street, Vincennes, $10 consideration CONTINUED ON PAGE 49

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ALL THINGS REAL ESTATE 49

Real Estate Transfers FROM PAGE 46

Michael Nguyen to Pauline Nguyen, 1314 Forest Hills Drive, Vincennes Douglas Westall with personal representative and Larry Anderson to Douglas Westall, part northeast quarter southwest quarter section 9, township 1 north, range 8 west etal First Robinson Savings Bank to Hunter Mundy, 201 Wilber Street, Vincennes, $10 consideration Roy and Dorothy Sanders to Roy N Sanders Trust, 301 West Church Street, Oaktown Betty J. Fausnacht to Holly Dale, Terri Barmes and Bradley Fausnacht, 103 South 20th Street, Vincennes Jamie D. Bond, formerly known as Jamie D. Anthis to J and J Farming Company LLC, part north half southwest quarter section 10, township 5 north, range 10 west, Vigo Township etal

Gibson County sales reports Timothy D. And Mia B. Chamberlain to Hoehn Realty LLC, South Ind. 165 Owensville, $300,428 Old National Bank Wealth Management, Trustee, to J.M. Mack, LLC, 9833 South County Road 400 West, Fort Branch, $810,000 Timothy D. And Mia B. Chamberlain to Hoehn Realty LLC, County Road 550 South, Owensville, $300,428 Judy and Jim J. Williams-Stiner to Kenneth H. And Rebecca S. Stunkel, CR 350 East, Princeton, $815,000 French Family Investments LLC to Lee Michael Halbig, South 1625 West Owensville, $27,500 Sandra Parker and Leon C. Stone, co-representatives, to Caleb J. Ziliak, South 650 East, Francisco, $280,118 Steven O. And Greta J. Jackson Trust to American Land Holdings of Indiana LLC, East County Road 900 South, Francisco, $300,000 Wayne E. And Wilma J. Robling to Joshua D. And Abby N. Collins, North Ind. 65, Hazleton, $40,600 Timothy D. And Mia V. Chamberlain to Dean F. And Janice K. Perigo, 1025 West, Owensville, $118,000 Richard M. Armstrong to Zachary R. And Katrina J. Bell, West Water Tower Road, Owensville, $70,000

Old National Bank Wealth Management, trustee, to Charles E. Schmitt, South 550 West, West 950 South, Fort Branch, $1,380,000 Timothy D. And Mia B. Chamberlain to Brian and Ranell K. Rexing, 1025 West, Owensville, $118,000 Stephen L. And Brenda L. Kohlmeyer to Larry W. Bailey, County Road 50 East, Princeton, $40,000 Karen Smith, personal representative of Maymie G. Wells Estate, to Irene G. Wells and Randall Thomas Abler, North 275 East, Princeton, $131,241.

Sandra Parker and Leon C. Stone, co-representatives of estate of Hazel McClure to Andrew D. Ziliak, County Road 650 East, Francisco, $1,188,203 Sue Ellen Beloat and Kenneth C. Schafer to Johnathan L. Devoy, 1799 North Ind. 65, Princeton, $180,000 Jerry and Susan M. Davis to Alevan LLC, 901 West Mill, Princeton, $44,000 Charles A. and Tamara D. Hirsch to Daniel E. And Jennifer L. Colbert, 9855 South Clearview Drive, Haubstadt, $28,750 Duane L. and Lynn A. Elpers to Melanie S. Little, 2401 East Classic Drive, Haubstadt, $24,000 Duane L. And Lynn E. Elpers to James P. And Kelly L. Pegram, 2468 East Classic Drive, Haubstadt, $26,000 Bob Will Homes Inc. to SPM Development Inc.,1331 West Chukar Hollow, Haubstadt, $17,000 Kathryn E. And Iain R. McGregor to Sydney D. Hull, 50 South, Sandy Ridge Estates Section 1 2 part, $139,900 Joyce L. Woods to Ronald W. And Karen Hughes, 2918 South 525 West, Owensville, $23,000 Estate of Gladys V. Wallis to Tyler W. Gillett, 702 East Walnut Street, Fort Branch, $99,000 Bruce H. Davis, successor trustee, to Bruce H. Davis, 109 South Broadview Circle Drive, Princeton, $93,000.

Richard P. Harvey to Grover C. And Hilda Krieg, 306 East Vine, Francisco, $25,000 Kelly Wilder Hopper, trustee, to Amanda Dawn Nelson, 118 North Third Avenue, Oakland City, $73,000 Rick A. Vaughn to Jerry R. And Julie A. Claridge, 12373 South 200 East, Haubstadt, $279,888 Dorothy Koberstein Trust to Brian and Katherine Camden, 625 North Race,

Princeton, $10,000 Lia K. Southwick to Christopher Scott, 115 East Walnut, Princeton, $30,500 Jay and Amy Foster to Stephen and Vicki Moore, 502 East Poplar Street, Fort Branch, $22,000 Jagoe Homes Inc. to Kimberly, Carl N. Jr. Montgomery and Cheryl Ball, 1436 West Chukar Hollow, Haubstadt, $235,712 Owen Loan Servicing LLC to Castlerock 2017 LLC, 310 East Vine Street, Francisco, $7,350 Bonita Potts to Jason C. Brucks, 529 East Broadway, Princeton, $5,000 Clinton J. Smith to Andrew C. Rumade, 120 North Seminary Street, Princeton, $38,000 Carol J. Hyneman and Jennifer L. Dunlap to Theophilus G. And Jan L. McGee, 106 East Vine, Fort Branch, $124,500 Gregory K. and Anna N. Mann to Blade M. Keach, 331 East State Street, Princeton, $114,900 Daniel F.McKinney, Daina Lamb and Judy Breivogel to Rebecca K. Weber, 100 South Damosa Drive, Haubstadt, $180,000 Hillside United Methodist Church to Brian S. And Jennifer L. Thomas, 2308 East Lake Road, Princeton, $137,000 Robin Hooker and Helen R. Harvey by Ryan Hooker, power of attorney, to Michael S. Williams, 828 South Hall Street, Princeton, $60,000 Robert A. Leary to Andrea C. And Jane E. Heath, 206 South Third Street, Owensville, $83,940 Sycamore Homes Inc. to Mike and Amanda J. Duckworth, 815 South Hall Street, Princeton, $102,000 Jeremy Edrington to Sharon Hale, 429 East Ohio Street, Princeton, $50,000 Jeffrey A. Rausch to Amanda B. Wallace, 803 North Hart Street, Princeton, $46,000 Dorothy A. Allen to Ashley M. Delaney, 204 South West Street, Patoka, $1.

Secretary of Housing and Urban Development to Midway Ventures LLC, 109 South Kensington Drive, Princeton, $65,406 Amy J. Kelley to Shelby Donnell, 1501 East Mary Lee Drive, Princeton, $128,000 Patricia D. Vanoven to Stephen W. Bockhold, 330 North Race Street, Princeton, $15,000 Melinda Press to James and Martha Lloyd, 305 South West Mill Street, Patoka, $5,000

Michael and Jayne Miller to Cox Family Homes LLC, 305 East Foster, Fort Branch, $30,000 Logan D. Davis to Kelly W. And Jennifer L. Byers, 2104 East Taylor Avenue, Princeton, $109,000 C&R Realty LLC to Michael and Elizabeth A. Stilwell, 1622 Birchwood Drive, Princeton, $25,000 Dorothy M. And Alvin L. Koberstein Primary Trust to Harry and Debra Seel, 411 West Oak, Princeton, $29,000 PPT Industrial Machines Inc. to Beth A. Davidson, 504 West Cherry Tree Lane, Princeton, $124,000 Chris and Jessica Cagle to Kevin Besing, 4145 West Split Rail Lane, Princeton, $16,000 Daniel W. Oneal to Zachary S. Hudson, 5366 South Jefferson Street, Somerville, $70,000 Kathryn E. And Iain R. McGregor to Sydney D. Hull, 2535 West County Road 50, Princeton, $139,900 Bob E. Loveless, Leana Sue, Jill Hamilton and Justin to Lankford Properties LLC, 4651 North Ind. 65, Patoka, $75,000 Jay M. And Amy J. Foster to Robert Phares, 404 East Poplar Street, Fort Branch, $176,000 Randal D. And Alicia A. Pieper to Patrick W. And Debra Martin, 2500 East Lake Road, Princeton, $159,250 Troy D. And Michelle L. Willis to Matthew Hughen and Jacinda Thompson, 1132 North Old U.S. 41, Princeton, $128,000 James A. Dame III by Charlene A. Dame, attorney-in-fact, to Jeffrey A. And Susan N. Willis, 8372 East County Road 900 South, Elberfeld, $189,900 Michael W. And Elizabeth Stilwell to Jason Brucks, 2356 East Ind. 64, Princeton, $70,000 Richard M. Armstrong to Zachary R. And Katrina J. Bell, 708 West Water Tower Road, Owensville, $70,000 Melanie S. Cates to William J. And Balinda S. Barney, 6139 North Ind. 65 Patoka, $139,900 MidWest Development to Janelle A. Jones, 8496 East Ind. 168, Oakland City, $122,000 Derrick E. White to Christopher Sullivan, 6066 East County Road 390 North, Francisco, $13,000 CONTINUED ON PAGE 50

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Real Estate Transfers FROM PAGE 49

Treasurer Gibson General Hospital to Treasurer Gibson General Hospital Holding Company LLC, 1808 Sherman Drive, $7,611,000 Treasurer Gibson General Hospital Inc. to Treasurer GGH Holding Company LLC, 305 North Sixth Avenue, Princeton, $7,611,000 Treasurer Gibson General Hospital Inc. to Treasurer GGH Holding Company LLC, 2030 Sherman Drive, Princeton, $7,611,000.

Wabash County Real Estate Transactions Devin S Deisher and Katie A Deisher to Lin Young Xin and Ke Rui Ying, WD, Lot 3 Carriage Plaza, Consideration $164,000 Kimberly M Anderson to Valerie R Anderson, WD, Lot A of Lot 3 Baumgart’s Sub, Consideration $72,000 Candace K Kemper to Troy Ian Kemper, WD, Lot 10 & PT 11 Northwood Sub and PT N/2 NW SE Damon H Banks and Michelle L Banks to Teresa M Medler, WD, Lot 1 block L Allendale, Consideration $65,000 Gloria Titzer to Henry Espinoza and

Theresa Espinoza, WD, Lots 17 & 18 Trailer Park Area, Mesa Lake, Consideration $13,000 Ashlie L Broster to Chad A Broster, WD, NE SW, PT NW PT S/2 NW, PT N/2 N/2 SW, Lot 2 FR NE, W/2 NE Cleo Wetzel Ulm Trust to James M Morgan and Tabitha A Morgan, WD, PT E/2 SE, Consideration $3,000 Bobby L Sales to Heather Horton, WD, Lot 1 of Block 1 Kieffer Sub, Considertion $47,000 and Mt.Carmel Outlots or Blocks Pt Outlot 54, Consideration $47,000 Kent R Hockgeiger and Ronda K Hockgeiger to Abiz Property Management LLC, WD, Mt.Carmel Outlots or Blocks Lot 13 of Outlot 200, Consideration $7,000 Broken Spoke INC to Wagon Wheel Beer & Liquor LLC, WD Mt.Carmel Outlots or Blocks, Lots 3 & 4 of Block 21, Consideration $558,000 and PT Block 217, Consideration $558,000 Jeffrey L Seaton and Ladonna J Seaton to Zachary V Keepes and Audra L Keepes, WD, Lot 16 of Block 4 Wolf’s Sub, Consideration $17,500 William W Wood and Brandon Hodgson

POA to Christian A Ledbetter and Erin A Ledbetter, WD, PT N/2 NW SE, Consideration $77,765 Robert L III to Jordan Sayge, WD, PT Block E Ficklin-Tilton Add, Consideration, $12,000 Donald E Jackson and Betty J Jackson to Larry N Sloss JR and Theresa L Sloss, WD, PT NW, Consideration, $27,500 DLB Rentals LLC to Michael T Hocking, WD, Mt. Carmel Inlots, PT W/2 Inlot 256, Lot 1 Jaquess Sub, Mt.Carmel Outlots or Blocks, Lot 212, Pt Lot 1 of Outlot 191, Parkinson & Mahon, Sublot 14 & PT 12 and Lot 8, Glick & Hinde, Sublot 14 & PT 12 Parkinson & Mahon, Parkinson & Mahon, Lot 8, Glick & Hinde, Lot 8 Parkinson & Mahon, Parkinson & Mahon, Sublot 5 & Pt 7, Sublot 5 & 7, Glick & Hinde Sublot 5 & Pt 7 of Parkinson & Mahon, Parkinson & Mahon Lot 3, Glick & Hinde Lot 3 of Parkinson & Mahon, Mt. Carmel Inlots PT Inlot 26, Mt.Carmel Inlots PT E/2 Inlot 95, Glick & Hinde Lot 7 of Lot 7, Mt.Carmel Inlots Pt Inlot 276, Consideration $200,000 D & R Rentals to Arthur W Kimmel and Crystal M Kimmel, WD, Lot 32 Cherry Hill

Sub, Consideration $91,000 James Taylor and Teresa I Taylor to D & R Rentals LLC, WD, Mt.Carmel Inlots E/2 Inlot 170, Consideration $10,000 Larry G Hocking Trust and Carolyn R Hocking Trust to Double H LLC, WD, PT, Consideration $30,000 Larry G Hocking Trust and Carolyn R Hocking Trust to Hghway 3 Land LLC, WD PT SE NE First National Bank to D & R Rentals LLC, WD, Parkinson, Sublot 2 & N/2 3 and Mt.Carmel Outlots or Blocks Sublot 2 & N/2 3 Parkinsons Sub, Consideration $55,000 Darren N Savage and Elizabeth L Savage to Michael E Neikirk and Amy M Neikirk, WD, Lot 1 Parkinson Sub and Mt.Carmel Outlots or Blocks Lot 1 Parkinson’s Sub, Consideration $27,300 D & R Rentals LLC to James D Short, WD, Mt.Carmel Inlots Pt inot 227 and Pt Inlot 229, Consideration $95,000 First National Bank to Christopher John Rodgers and Heather Jade Rodgers Part of the SE Quarter Pt SE, Consideration $70,000 Dustan Klaus to Isaac T Klaus, WD, Part of the SE Quarter Pt S/2 SE

Our Experienced Staff is Here to Help You With All Your Painting Needs.

Touch-up or re-paint rooms to prepare for a sale, or find just the right shade to make your new house a home.

PPG Porter Paints is here for you.

417 Main St., Vincennes, IN • 812-882-0440

Sunday, February 4, 2018

SCHOOGIE’S

ALL THINGS REAL ESTATE 51

r e t h g u a D

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Visit any of our two locations in Princeton & Mt. Carmel 130 W. State St., Princeton (On the Square) 812-635-4158

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Jenne Restoration & Construction Owner, Sherm Jenne

(812) 305-3975

“For in him we live and move and have our being. As some of your own poets have said, We are his offspring.”

-Acts 17:28

52 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

M.R.K. EQUIPMENT CO. INC HIGHWAY 64 EAST PRINCETON, IN 47670 812-385-4876 OR 800-264-1482 E-mail: mrkequip@mw.twcbc.com

We are Here to serve you 316 N Market St. PO Box 220 Mt. Carmel, IL 628631 Manage your account: Online at www.mtcpu.com Pay by Phone 1.844.843.6840 The SmartHub App for Android & iOS

(618) 262-5151 www.mtcpu.com

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 53

What’s next? ...buying your first home?

Financial services for what comes next.

...searching for a bigger home? ...building your dream home?

No matter where your journey takes you next, our mortgage lending professionals are eager to serve you.

Donna Potts, NMLS #527561

Jared Miller, NMLS #1177563

Home Loans in Gibson & Pike Counties Ph (812)386-1174 / Cell (812)215-0260 donna.potts@germanamerican.com

Home Loans in Knox, Daviess & Martin Counties Ph (812)254-5912 / Cell (812)787-2316 jared.miller@germanamerican.com

Visit our Home Loan Center to pre-qualify or apply online...germanamerican.com

Open Monday through Friday 8am-5pm; Saturday 9am-4pm When you find Owensville, you’ll find Holder’s.

Come as a Stranger... Leave as a Friend!

Furniture Delivery Available

54 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

Surviving a home renovation Homeowners invest large sums into improving their homes to make them more comfortable living spaces or to increase their odds of selling quickly. The Remodeling Futures Program at the Joint Center for Housing Studies of Har vard University predicted U.S. spending on home renovations and repairs to peak at $327 billion in 2017.

Whether one is doing a large renovation or a small remodel, life may be turned upside down during the project. Furniture may be moved out of the room, walls may be demolished, water or electricity may be tur ned off, and appliances may be missing or not hooked up. Home improvements often dr um up dust and disar ray.

Such projects can tr y the patience of any homeowner, and things may get worse before they get better.

Even though remodeling can be taxing, the end result is often worth it. Here’s how to look for ward to the silver lining and come out unscathed.

see what you can do to minimize the time workers need to spend in your home.

DISCUSS THE PROJECT BEFORE IT STARTS. All family members should be in agreement before the first hammer is swung.

Decide on as many details as you can ahead of time and have a firm plan in place. Establish back-up choices for tiles or color schemes in case the items you want are out of stock. Trying to make decisions under duress may result in bad choices.

DO ONE PROJECT AT A TIME. It’s tempting to want to improve as much as possible at once to maximize motivation and renovation materials. However, having no place in which to escape the mess can elevate stress levels. Do not think about renovating kitchens and bathrooms all at once, or you will not have any working fixtures for tasks like washing up.

… BUT EXPECT DELAYS. In a world where things move at lightning speeds, renovations have not gotten the memo. Home projects take lots of time and will likely take longer if you are doing the work yourself in your free time.

Build lots of extra time into the project so you are not disappointed when delays happen — even when you’ve done your best to avoid them.

PLAN AN ESCAPE ZONE

Construction environments can be messy, loud, smelly, and a host of other unsavor y adjectives. The chaos that ensues when life is turned upside down can be overwhelming, particularly for the person who spends the most time in the home while work is being done. Build escape moments into the plan and make sure everyone else at home is on board.

HAVE EVERYTHING IN PLACE …

Before demolition even begins, have During the real grind of the project, a Planning, patience and an understandbuilding materials bought and stored, con- night or two at a hotel may be a welcome ing of what the project entails can make home improvements easier to survive. tractors and subcontractors lined up, and respite.

I’m proud to be a part of this community.

See me to find your new home!

Ron Ackman Broker, Owner

Check out 9734 Worland Rd. Nice country home located between Bicknell & Bruceville, IN. 3BR, 2BA modular in good condition on 6 acres of land.

Adjacent tool shed is back just a short lane from the house.

REDUCED to $125,000

WHITE RIVER REALTY

217 N. MAIN ST. BICKNELL

Ph 812 757 4434

Ron Ackman, Broker/Owner

Sunday, February 4, 2018

ALL THINGS REAL ESTATE 55

4001 Vogel Road Evansville, IN 47715 (812) 476-4600 evansville@windowworld.com Accepted Methods of Payment:

Counties Served: Indiana: Vanderburgh, Warrick, Gibson, Posey, Pike, Dubois, Spencer, and Perry Kentucky: Henderson, Union, Webster, McLean, Daviess, and Hancock Illinois: Wayne, Edwards, Wabash, and White

American Express Discover Master Card Visa Cash / Check Financing

56 ALL THINGS REAL ESTATE

Sunday, February 4, 2018

LOVE Where You Live

Tim Mason 812.664.0845

Midwest Real Estate Each office independently owned and operated.

Jan Mason 812.664.2022

www.TimMasonTeam.com