8
This photo is for illustration only. This is not an actual listing. Owatonna Area September 2014 GUIDE REAL ESTATE Owatonna.com
This photo is for illustration only.This is not an actual listing.
Owatonna Area
September 2014
GUIDEGUIDEREAL ESTATE
Owatonna.com
PAGE 2 REAL ESTATE GUIDE Friday, August 22, 2014
SHOULD YOU
BUY or RENT? The Choice is Yours.
It takes more than looking at your monthly mortgage or rent payment to
only part of the equation. There are pros and cons to each option:
Advantages Considerations
Buy
Ownership builds equity Responsible for maintenance and property taxes
Sense of pride, community, stability and security
Possible loss of equity
Free to change decor and landscaping Less flexibility should you want to move
Not dependent on landlord to maintain property
Tax deductible mortgage interest and property taxes
Rent
Little or no responsibility for maintenance No tax benefits
Can move easily No equity is built up
Can invest money elsewhere No control over rent increases
No upkeep fees Little freedom to change decor
Possibility of eviction
home ownership, now is most certainly the time. Low interest rates, affordable home prices, a wide selection of available
If you would like to buy, not rent, I can show you how.
Call Me Today!
Wintrust Mortgage is a division of Barrington Bank & Trust, N.A., a Wintrust Community Bank. Wintrust NMLS# 449042 – Copyright © 2011 Wintrust Mortgage
Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines.
FTB-002
Mark Meier Mortgage Loan O�cer NMLS# 533156 124 N. Cedar Ave. Owatonna, MN 55060
Cell: 507.363.0030 eFax: 855.727.2909 [email protected] www.WintrustMortgage.com
Kriss Meier Mortgage Loan O�cer NMLS# 533094 124 N. Cedar Ave. Owatonna, MN 55060
Cell: 507.213.9797 eFax: 855.810.7743 [email protected]
Office: 507.451.1807Office: 507.390.5626
Page 2 Real Estate Guide June 2012
2
Bank of America Home Loans® guidance+ your real estate professional= home buying made clearRely on our experience and guidance to help you �nd the loan option that’s right for your �nancialcircumstances. Combined with your real estate professional’s local market knowledge, you may be ableto go from home shopper to homeowner.
The first step is easy: We’ll be happy to review your goals and provide you with a prequalification that canhelp determine how much you can comfortably afford to borrow. With that information, you can thenconsult with your real estate professional to �nd a home that’s right for you. And when you apply, you’llbenefit from our exclusive Clarity Commitment® loan summary that will highlight key terms of your loanin easy-to-understand language. In the meantime, you may wish to explore our valuable Home LoanGuide, which provides home financing tools and calculators. You can access the Home Loan Guidedirectly from our website.
Add it up — the expertise of your local real estate professional, coupled with all that Bank of AmericaHome Loans® has to offer, could be your formula for home buying success.
To get started, or for the name of a local real estate professional, contact us today.
�e Clarity Commitment® summary is provided as a convenience, does not serve as a substitute for a borrower’s actual loan documents and is not a commitment to lend.Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided.
©2010 Bank of America Corporation ARV225F1
Credit and collateral are subject to approval. Terms and conditions apply. �is is not a commitmentto lend. Programs, rates, terms and conditions are subject to change without notice.Bank of America, N.A., Member FDIC. Equal Housing Lender.Protect your personal information before recycling this document.
Kristin MeierMortgage Loan Officer(507) 213-9797 Cell(507) 446-1181 Office102 N. Cedar AvenueOwatonna, MN 55060
[email protected]�p://mortgage.bankofamerica.com/kristinmeier
Mark MeierMortgage Loan Officer(507) 363-0030 Cell(507) 446-0080 Office102 N. Cedar AvenueOwatonna, MN 55060
[email protected]�p://mortgage.bankofamerica.com/markmeier
NMLS 533094 NMLS 533156http://mortgage.bankofamerica.com/kristenmeier
[email protected]://mortgage.bankofamerica.com/kristenmeier
Friday, August 22, 2014 REAL ESTATE GUIDE PAGE 3
EQUAL HOUSINGOPPORTUNITY
EQUAL HOUSING OPPORTUNITY
All real estate advertising in this publication is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or any intention to make such preferences, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free phone number for the hearing impaired is 1-800-927-9275.
All advertising contained herein is the responsibility of the advertisers.
The Owatonna Area Real Estate Guide retains the publication rights to all contents produced or supplied by the Owatonna
Area Real Estate Guide. Use of material without written consent of Real Estate Guide is prohibited. All Rights Reserved © 2014
The Owatonna Area Real Estate Guide is a monthly publication distributed in the Owatonna People’s Press and at select area locations in Owatonna. It is endorsed by the Owatonna Multiple Listing members.
A special project ofThe Owatonna People’s Press
135 W. Pearl St., Owatonna, MN507-451-2840 • Fax 507-444-2382
Publisher RON ENSLEY
Advertising Director DEBBIE ENSLEYemail: [email protected]
Media ConsultantsSTEVE ARNOLD, BETTY FROST,
SHAWNEA HULL, AARON LOUKS, DAVID WEEKS
Advertising DesignNIKKIE GILMORE, NAOMI KISSLING,
KEELEY KREBSBACH, JENINE KUBISTA, KELLY KUBISTA, MATTHEW ROOSMALEN
Owatonna Area
GUIDEGUIDEREAL ESTATEINDEX
ERA Gillespie Real Estate ................... 6, 8
Pro� nium Mortgage .............................. 7
Wells Fargo ............................................ 5
Wells Federal Bank ................................. 4
WinTrust Mortgage ................................ 2
Owatonna.com
PAGE 4 REAL ESTATE GUIDE Friday, August 22, 2014
Friday, August 22, 2014 REAL ESTATE GUIDE PAGE 5
If your home isn’t listed with a Realtor,
it might as well be You have a home for sale but no one is seeing it. Maybe because it isn’t listed with a professional Realtor. Realtors make it easy for you to buy or sell your home. They have access to a pool of serious home buying prospects... and a Multiple Listing
Service that can offer buyers the affordable home of their choice. They do the legwork, the paperwork, and the hard work to help you sell your home quickly.
Look for the Realtor logo to find the commitment and full services of a real estate professional.REALTOR
®
Get a strong team to pull for youWe are proud to be part of the community and invite you to call or stop by to discover how we can assist you with your mortgage needs. Whether you are interested in new purchase, refinance, or home equity financing, Wells Fargo Home Mortgage can assist with finding a program that fits your unique goals.
Call or visit your local team today.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS992867 Expires 10/2013
Jannell TufteHome Mortgage ConsultantOffice: 507-455-7516 Cell: 507-456-5946101 North Cedar AvenueOwatonna, MN 55060 [email protected] ID 402028
Matthew G LeTourneauHome Mortgage ConsultantOffice: 507-444-2260Cell: 507-339-2193101 N Cedar AvenueOwatonna, MN [email protected] ID 404642
Get a strong team to pull for youWe are proud to be part of the community and invite you to call or stop by to discover how we can assist you with your mortgage needs. Whether you are interested in new purchase, refinance, or home equity financing, Wells Fargo Home Mortgage can assist with finding a program that fits your unique goals.
Call or visit your local team today.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS992867 Expires 10/2013
Jannell TufteHome Mortgage ConsultantOffice: 507-455-7516 Cell: 507-456-5946101 North Cedar AvenueOwatonna, MN 55060 [email protected] ID 402028
Matthew G LeTourneauHome Mortgage ConsultantOffice: 507-444-2260Cell: 507-339-2193101 N Cedar AvenueOwatonna, MN [email protected] ID 404642
Expires 09/2014
Get a strong team to pull for youWe are proud to be part of the community and invite you to call or stop by to discover how we can assist you with your mortgage needs. Whether you are interested in new purchase, refinance, or home equity financing, Wells Fargo Home Mortgage can assist with finding a program that fits your unique goals.
Call or visit your local team today.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS992867 Expires 10/2013
Jannell TufteHome Mortgage ConsultantOffice: 507-455-7516 Cell: 507-456-5946101 North Cedar AvenueOwatonna, MN 55060 [email protected] ID 402028
Matthew G LeTourneauHome Mortgage ConsultantOffice: 507-444-2260Cell: 507-339-2193101 N Cedar AvenueOwatonna, MN [email protected] ID 404642
Jannell TufteHome Mortgage ConsultantOf�ce: 507-455-7516Cell: 507-456-5946101 N Cedar AvenueOwatonna, MN [email protected] ID 402028
Kelly RatzloffHome Mortgage ConsultantOf�ce: 507-455-6784Cell: 507-390-43021400 South Oak Ave.Owatonna, MN [email protected] ID 1102316
PAGE 6 REAL ESTATE GUIDE Friday, August 22, 2014
EQUAL HOUSINGOPPORTUNITY
122 N. Cedar • Owatonna507.451.7488 800.658.7056www.erahome.comemail: [email protected]
Save Money...Save Time...Simplify Your Life
THE BEST OF THE BEST!• Spacious multi-level home with over 3500 sq ft total• 4 bedrooms, 3.5 baths• Open fl oor plan, nice decor, fantastic kitchen• Master retreat, walk-in closet, jetted tub• Lower level family room with fi replace• Unfi nished basement level with 795 sq ft!• Patio and country viewsContact Connie KnutsonMLS #4053615
AWESOME COUNTRY PROP-ERTY
IN WASECA!• 2.81 acres with easy access to new Hwy 14 • Over 4000 total sq ft with spacious rooms• 4 bedrooms, 3.5 baths• Living room with fi replace & built-ins• Heated 2 stall garage• Patio & large deck with installed gas grill• 24x22 barnContact Connie KnutsonMLS #4055252
UPSCALE NEW CONSTRUC-TION!
• 4 bedroom, 2 bath 2 story• Custom kitchen, granite countertops• Main fl oor bedroom & laundry room• Hardwood fl ooring, fi replace• Master suite, walk-in closet• Large lot, triple garage• Low traffi c streetContact Sid SchroederMLS #4053890
NOT MUCH LEFT TO DO!• 4 bedroom, 2 bath ranch• Finished basement with family room• Ceramic tile, ceiling fans• Eat-in kitchen• Patio, large yard• Owner/AgentContact Connie KnutsonMLS #4055260
CLASSIC 5 BEDROOM ARTS & CRAFTS STYLE HOME!
• Centrally located• Two full baths - one on each level• Open fl oor plan, natural woodwork• Main fl oor master bedroom• Spacious second level with den• Deck with built-in benchesContact Mark & Steph WoodrichMLS #4053596
PRIVATE SETTING - 3 ACRES!• 3 bedrooms, 3 baths• 3 season porch• Main fl oor laundry• Triple stall garage & single stall garage• Large storage shed• Nice location, paved roadContact Connie KnutsonMLS #4055519
GREAT GARAGE & LARGE YARD!• 3 bedroom, 2 bath ranch, 1392 sq ft on main level• Large eat-in kitchen with many cupboards• Deck, new roof in 2014• Oversized garage with 220 service• Additional structure for storage or offi ce• Easy commute to Rochester or OwatonnaContact Mike LarameeMLS #4055103
LOVELY COUNTRY SETTING VERY CLOSE TO TOWN!
• 3 wooded acres• 3 bedrooms, 2 baths• 3 season porch & deck• Walk-out lower level with family room• Oversized 2 car garage• 54x30 pole shed with mezzanineContact Connie KnutsonMLS #4052893
VISUAL TOUR #3336343VISUAL TOUR #3387484VISUAL TOUR #3344284
VISUAL TOUR #3387095 VISUAL TOUR #3337766 VISUAL TOUR #3392747VISUAL TOUR #3382331
VISUAL TOUR #3078955
$287,900$289,900$265,900
$119,900 $159,900 $199,900$109,000
$216,900
NEW PRICE!
NEW PRICE!NEW LISTING!
NEW PRICE!
Our Team of ProfessionalsNancy Sletten
Broker AssociateGRI, SRES
Matt GillardRealtor
GRI
Erin GillespieBroker Associate
GRI, ERS
Mark WoodrichRealtor
Connie KnutsonBroker AssociateCRS, GRI, ERS
ABR
Barry GillespieCRB, CRS, ePRO
Mike LarameeRealtor
Tracy Peterson SteinbergRealtor
Lori Braun DaviesRealtor
GRI
Sid SchroederRealtor
GRI, ERS
Lud Gillespie1925-2011
Melinda DavidRealtor
Justin OhnstadRealtor
Stacy WilsonRealtor
Stephanie WoodrichRealtor
Friday, August 22, 2014 REAL ESTATE GUIDE PAGE 7
Matt
See us for anamazing experience with your
NMLS# 1033034 NMLS# 402979
Jenny
HOME LOAN!
Owatonna 328 N Cedar 507.444.0101Mankato 507.389.8900 | Fairmont 507.235.5538 | Truman 507.776.2311
www.profinium.com | NMLS 402979Member FDIC
See Jenny or Matt for details for fast and local service on yourhome loan. We’ll look out for your best interest!
THE BENEFITS OF PROPER PRICING
When you determine your home’s price, bewareof the pitfalls of overpricing. Logically, youwould think thatthe higher theprice of yourhouse the moremoney you willreceive for it,but there is afine linebetween supplyand demand. Potential buyers who see yourhome’s listing price may bypass even looking atit without considering making a lower offer.
Concurrently, buyers who are looking only in aspecific price range that is less than the cost ofyour house will never have the opportunity toview your home, leaving you with less
marketability. On the flip side, those who couldafford to purchase your home will inevitabley bedrawn to better values that are offered elsewhere.
The perils of overpricing can be negated by thebenefits of proper pricing. Below are just a few ofthe many benefits that can be reaped with properpricing:
• Higher offers accompany a fair market value.
• Real estate agents will be more likely to showyour home enthusiastically if he/she believes it is agood market value. A reasonably-priced home willgenerate competing offers among potential buyers.
• A well-priced home will attract more qualifiedbuyers, ensuring that its marketability remains.
PAGE 8 REAL ESTATE GUIDE Friday, August 22, 2014
Broker AssociateRealtor, GRI, SRES
Nancy SlettenCell: [email protected] N. Cedar • Owatonna507.451.7488 • 800.658.7056www.erahome.com
Save Money… Save Time… Simplify Your Life
EQUAL HOUSINGOPPORTUNITY
$133,900LOTS OF CHARACTER & POTENTIAL!
PRESERVED WOODWORK, STAINGLASS WINDOWS, LARGE ROOMS, MAIN
FLOOR LAUNDRY & NICE BACKYARD!MLS #4055152
$114,0009.63 ACRES! WOODSY! CREEK! COUNTRY PROPERTY 2 MILES
FROM OWATONNA! OLD FASHIONED BARN! 7 ACRES
TILLABLE! BEING SOLD “AS IS”!MLS #4056120
$235,9001 OWNER RANCH! 3+ BEDROOMS,
3 BATHS, LARGE FAMILY ROOM WITH GAS FIREPLACE & CUSTOM KITCHEN, ON CUL-DE-SAC NEAR GOLF COURSE!
MLS #4055228
$155,00010 ACRES ON PAVED ROAD,
REMODELED IN 1988 WITH NEW BASEMENT, WINDOWS, ELECTRICAL
& MORE! COZY HOME WITH GREAT VIEWS!
MLS #4053427
$139,99910 ACRES IN COUNTRY! BEAUTIFUL VIEWS! AFFORDABLE 3 BEDROOM,
2 BATH HOME, 24X27 BARN/MACHINE SHED, 24X40 GARAGE/SHED!
MLS #4054763
$169,000UPDATED & APPEALING! 3 BEDROOMS, 2 FULL BATHS, FINISHED LOWER LEVEL,
BEAUTIFUL NEW WOOD FLOOR, FIREPLACE & FENCED BACKYARD!
MLS #4051984
$279,9001 OWNER HOME BUILT WITH
QUALITY! DESIGNED FOR MAIN FLOOR LIVING...MORE THAN 1
GENERATION IF NEEDED! FINISHED BASEMENT & WET BAR!
MLS #4051711
$164,900TOWNHOME ON THE GOLF COURSE WITH FANTASTIC VIEWS! PRISTINE
CONDITION WITH 3 BEDROOMS, 2.5 BATHS, 2 CAR GARAGE ON
QUIET CUL-DE-SAC!MLS #4053481
$105,000BIG UPDATED KITCHEN WITH
LOTS OF EXTRAS, NEWER FLOORING, NEW GAS FIREPLACE, WALK-OUT LOWER LEVEL, HUGE
YARD ON DEAD END STREET!MLS #4053799
$73,499AFFORDABLE! UPDATED! 3
BEDROOMS, 1 BATH WITH NEW FLOORING, NEWER FURNACE,
WINDOWS & SIDING!MLS #4049220
$126,000CUTE & COZY RANCH STYLE HOME
WITH 2 CAR GARAGE! LOTS OF UPDATES! NEW FURNACE & AC! FENCED YARD! QUIET STREET!
MLS #4051175
$279,900RANCH STYLE WITH OVER 2000 SQ
FT ON THE MAIN FLOOR! 1.25 ACRES ON EDGE OF TOWN. PARK-LIKE
SETTING! OUTBUILDINGS! STUDIO SPACE & ROOM TO EXPAND!
MLS #4055581
VISUAL TOUR #3382305
VISUAL TOUR #3410840
VISUAL TOUR #3383892
VISUAL TOUR #3124999
VISUAL TOUR #3372328
VISUAL TOUR #3285777
VISUAL TOUR #3277881
VISUAL TOUR #3331394
VISUAL TOUR #3340916 VISUAL TOUR #2749387 VISUAL TOUR #3262007
VISUAL TOUR #3393836
NEWLISTING
NEWLISTING
NEWPRICE
NEWPRICE
