real estate 02-16
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homes& real estate
February 2016
Serving Wexford, Missaukee, Osceola, and eastern Lake Counties
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$WEETHEART DEAL$ FOR EVERYONE! CALL
SOLD
Make TRight MNow!
AdvancRealtyPark Place Ce108 S. MitchelCadillac, MI 4
231-775-136www.advancere
Carol Coe-VPresident
YOUR RESIDENTIAL SPEC
FOR 37 YEARS
COUNTRY JEWEL! CLASSIC FARMHOUSEUPDATED/GREAT CURB APPEAL/ EE TOO!
ACRES/private pond/mixed WOODS + billboard w/annualse INCOME! Gently rolling/apple-peach-grapes GALOREARGE br 3ba formal din-liv rms/split stone fp/WOWhen/PRETTY tiled sunporch/walk-in attic/HWBB heatood/2+car att + 30x40 PB/paved/McBain school/180K
RARE COMMERCIAL BUILDABLE LOT ON2/10 ACRE/MITCHELL ST WITHIN WALKING
area of DOWNTOWN Cadillac’s shopping/dining/theater/ historical society/BEAUTIFUL city park/sparkling LAKECadillac district! Zoned B-2 & can build TO propertylines! Park main st-2 side streets-LARGE city lot atback! CITY water/sewer-electric-DTE gas at street! 48K
SWEET MASTER SUITE!
17 ACRES OFFER FAMILY PRIVACY/MAYBE YOUR BUSINESS: OPPORTUNITY KNOCKS!
HARD-TO-FIND 2800sf 4br 3ba home w/AC plus LOCATION!HUGE master suite! CUSTOM oak kit w/numerous cupboards-extended counters & din rm open to CASCADING koi pond-decking-hot tub! 40X40 CUSTOM pole barn INSULATED withHEAT & add-on! PAVED! 1 mile N of Meijer/more:$199,900!
CUPID’S PICK! GIFT YOURSELVES!
BUY: GET CASH BACK! KENWOOD PARK-SCHOOL-LAKE CADILLAC AREA! RUN-
’t walk to BUY this 3 bedroom home! Priced RIGHT + isRNER estate across from Kenwood School! Big BONUS:ially-finished full WALKOUT basement + large DECKkitchen-dining area for RELAXING cookouts! Want a
EAT location? 2ND HOME? LOOK no more! CALL! $84,750!
LOADED W/PERSONALITY! FEDERAL STYLE2-STORY BRICK HOME! YOU’LL LOVE ITS
ITING pretty white picket FENCE & 2 PICKET gates tovacious pillared VERANDA tucked out of view + theLORFUL old-fashioned ABUNDANT perennials and wonder-HARDWD floors & BRICK construction to EE UPDATES +s FP! 4 br 1.5 bth liv rm-parlour-bsmt-MORE:$89,850
ALL-ON-1-FLOOR! TRADITIONAL3 BR 2-1/2 BATH RANCH WITH
full BSMT & 2-car att garage boasts “real” FIREPLACEin den-informal DINING area right off OPEN kitchen &formal din room! GREAT curb appeal too: corner ESTATEacross from Kenwood School! WALK-bike-skate-blade fewblks to pretty LK CADILLAC! Job Transfer/CALL! 125,900
HONEY! WE’RE HOME!
LOVERLY! FIREPLACE TOO!
FALL IN LOVE!
LIVE LARGE-SMALL PRICE/GAZILLIONFED 1/2 MILE! FAMED CABERFAE SKI
ort 6 miles/REKNOWNED Crossroads Bar 1-1/2 miles/ CLAIMED Hodenpyl Dam Pond 10 minutes/24x32 pole barnVED road/17 gently rolling acres mixed WOODS! 19901ba 1,340 SF RANCH boasts TIG HDWD floors/liv-din-0% EE heat PLUS pellet stove: START PACKING! 118K
VALENTINE’S $PECIAL!
WHY RENT? BUY THIS 1480 SFHOME ON 2 ACRES PAVED RD C
BIG BONUS: property tree line ADJOINSPine Trail for your 4-season fun! SCENskiing-snowmobiling (STAGING AREA 1 include windows-flooring-siding-INSULATcar garage + 5” well! NATURAL GAS too
LOVELY LOCATION
CHECK THIS OUT! 6/10 ACRE BUILDINGSITE: COVETED CHERRY GROVE TWP!
LOOK what you get: small established sub on CUL-DE-SACboasting UNDERGROUND utilities, DTE NATURAL gas with aPAVED road too! Great for a year-round or vacationhome in heart of MEGA FED & ski Caberfae! Golfing plusSPARKLING Lake Mitchell “just around corner!” $10,000!
LOVE AT FIRST SITE!
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HERE’S MY CAR
REAL ESTATEDIRECTORY
780 S. Chestnut St., Reed City, MI 49677
Ofce: 231-832-8322 • Fax: 231-832-9730 • Cell: 231-250-6122
[email protected] • www.crossroadsrealtymi.com
Gary B. Bailey Sr.
Broker/Owner
Contact me today for
all your real estate needs!• Buying • Sell ing • Investment • Rentals
Call the Cadillac News at (231) 775-6565 To Promote Your Business.
r e k o r B r e b m e M t n e d n e p e d n I
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homes& real estate
INDEX OF ADVERTISERS
dvance Realty ............................................. 2erviceMaster ................................................. 3
ssist 2 Sell ....................................................... 3
RA Greater North Properties ....................... 4
heasant Ridge Estates ................................. 5
remier Realty.................................................7
Whitetail Realty ............................................... 9
E/MAX Central ............................................ 11
E/MAX Central ............................................ 13
RO Realty .................................................... 15
View this guide all month longonline at www.cadillacnews.com
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Call for more information on these homesand the many other services that we have to offer.
399 Thistlewood • Cadillac • 231-775-7210
Hours: M-F 8-5 • Weekends by appointment
Retiring? Downsizing? Starter HomTired of Apartment Living? Check Out What Pheasant Ridge Has To Offer!
MOVE IN SPECIAL!SITE RENTAL FEE $249 /MO.
FOR TWO YEARS ON ALL EMPTY SITES.WE ALSO HAVE RENTALS.
407 Farm Lan
1996 Skyline, 16x80 wit3 bedrooms, 2 baths, carport,
air, large deck, nicely landsc$21,500
645 Partridge Dr.
2000 Holly Park 16x80,3 bedrooms, 2 baths,central A/C, carport,
deck, shed, great price!$21,900* w/2 yr site lease
405 Fairway Dr.
1994 Holly Park, 28x52, 3 bedrooms,new full length carport, spacious kitchenwith oak cabinets, appliances includingwasher/dryer, central A/C and storage
shed. Freshly painted interior.$29,900* w/2 yr site lease
632 Quail Lane
1995 Redman, 14x70, 2 bedroom,1 bath w/recently updated kitchen andbath, oak cabinets and pantry, freshly
painted throughout, new carpet, front porch with awning and storage barn.
$16,900* w/2 yr site lease
414 Fairway D
1993 Redman 28x64 (1,560 s3 bedrooms, 2 baths, bleachecabinets, fnished drywall in
living room & separate familylarge deck, carport & she
$34,900
1994 Holly Park, 28x44, 3 bedrooms,2 baths, oak kitchen cabinets,laminate oors throughout,carport, central A/C, shed.
$25,900
450 Fairway Dr.
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411 E. Bremer $118,500Beautifully remodeled, 2 story home on adouble lot. Huge kitchen and dining room forentertaining guests. 4 bedrooms on 2nd oor.Master bedroom suite. 5th bedroom on mainoor currently is being used for an ofce.Updated electrical box, plumbing plus newerhigh efciency furnace. The loft above thegarage is the man cave.
231-884-1386 775-7980Jim MeierVACANT/COMMERCIAL
Buildable Lot
Clam Lake Twp. - $12,000
13 Acres NearLake Mitchell - $19,900
Buildable Lot with Lake
Mitchell View - $22,900
36 Wooded Acres
Manton - $35,900Commercial Behind
Herradura’s - $24,900
Commercial Lot
on 34 Rd. - $25,000
40 Wooded Acres NearMarion - $70,000
Lot for Medical Ofce- $79,900
40 Acres - Osceola County -$79,900
11 Acre Building Site on
Strawberry Lake - $100,000
11771 34 Road, Cadillac $45,000Great recreational property. Hunting,shing on 7 wooded acres. You willenjoy this site. The deer and otherwildlife too. Custom built home builton skids so it can be moved later if
you wish to build a retirement homeright next to the Clam River. Approx.600 ft. of river frontage.
2176 N. Kings Hwy., Luther $47,500Enjoy your morning coffee on the coveredfront porch of this 2 bedroom home nearLuther. 4 acres and large 2 car garage.Shed. Partial new roof on back of house.Front roof was inspected by roofers anddetermined to be still functional.
202 S. Pine St., Marion 3 bedroom, site built to school or the MidRiver. Completely re1995- windows, wirinsulation and roof. 2 coto sit outside and enjoy y
coffee. 1 car attached alarge 4 car detached caropeners.
23397 210th, Tustin $69,900Welcome Up North! Great getawaycabin or year around home. Move-inready 2 bedroom home with walk-in shower. Living room, diningroom, kitchen combination featureswood stove. Newer high efciencyfurnace. 2 car garage. Finished loftfor additional storage.
723 E. Division Very spacious 5 bedrohome in the City of Cadischools, shopping and LBedroom, 2 baths andmain oor for your cVery large family room cgarage through breezewa
LeRoy Post Ofce $65,000Attention investors!! Let the mailmanbring you a check each month fromthe USPS. Long term lease with thepostal system. Monthly payment is$668 until 11-30-2016 when the new5 year lease kicks in at $737 until 11-30-2021.
1050 Big Oak, Hersey $110,000Enjoy water sports on the MuskegonRiver. Canoe, kayak and sh from shore.Seller reports good brown trout shing.330 feet of river frontage (total 6 lots). 3 bedroom home with attached extra large2 car garage. Fireplace in living room,pool table in the family room.
205 Jonathan St., Cadillac $140,000A view of Lake Cadillac from the 2ndtory bonus room. 4 bedroom, 2.5 bath
home with deck overlooking large privatebackyard. Island kitchen with ceramic tileoor, hardwood ooring in living room,A/C, master suite, 2 car attached garage.4 season sunroom off kitchen.
201 Chapin St., CadillacGreat investment possibidowntown Cadillac. Walk toCadillac, the library and oactivities. Victorian home onMitchell Street. Owner lives oand leases out two (1 bedroomthe second oor to long termoor residence features supTwo beautiful original repla
101 Birchwood, Cadillac $239,900Beautiful 4 bedroom, cedar home onLakewood on the Green Golf Course.Quality built executive home has 2 decks that are ideal for entertaining.2 replaces, hardwood ooring. Coriancountertop and Bosch dishwasher. Thenished basement has an ofce/denplus a very large family room.
1900 Schneider, Lake City $326,000Beautiful 4 bedroom lakefront homewith 117 ft. sandy beach on SapphireLake. See through replace betweenmain oor family room & dining room,large kitchen, huge master suite, mainoor laundry and full nished walkoutwith wet bar, sauna room, billiardsroom.
985 Lakeshore, Lake City $95,000Be your own boss. Successful carwash on busy M-66 just south ofLake City. Owner retiring. Includesbusiness and real estate.
Picture yourself enjoyingwooded acres that adjoinacres of State of MichiganEnjoy a warming re in replace. From inside talong the banks of the Mulook out at all the wildthrough your forest.
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When shopping
a home, it’s easybuyers to fall ine with a property.
well-maintainedme with updatedtures can be hardesist, but buyersst consider moren just a home’searance before
mitting an offer.One variablespective home
yers tend to valuere highly thaners is the neighborhood where they will ultimatelyose to live. Many buyers even value neighborhoodsre than homes, feeling they can always fix a home butnot necessarily fix an undesirable neighborhood. When
nsidering which neighborhood to begin a home search,yers should research a host of factors.
CrimeCrime statistics are public domain, meaning buyers canmine crime figures for any neighborhood where theyconsidering buying a home. Some real estate websitesneighborhood crime ratings among the informationy offer about a given property. In addition, buyerserested in learning about crime in a given neighborhoodvisit a site such as CrimeReports.com to access data
crimes committed near a particular address.
Home valuesHome values are another factor to consider when
osing a neighborhood in which to buy a home. Buyerswork with a local realtor to find a neighborhood or
a where real estate prices are trending upwards. Whileyers might be able to find a great deal on a home ineighborhood where home prices are dropping, it’sportant to remember those home prices are dropping
for a reason. Woyour realtor to fi
neighborhood wcan afford a homwhere property vnot in decline. Rwill have access tsales figures so yget an idea of whneighborhood isupward or in dec
AmeniThe proximityamenities such asrestaurants and p
is attractive to many buyers, and that’s somethbuyers should consider before buying a home.you prefer a home in a remote location, that coyour market of buyers when you want to sell tdown the road. While your own comfort and pshould ultimately prevail over potential resale
important that you at least consider access to abefore making a decision. You might be able tocompromise in a home that is a short drive awtown center, but still remote enough that you athe middle of the hustle and bustle.
CommuteQuality of life is heavily influenced by comm
Many men and women feel their quality of lifedramatically the shorter their daily commute is
considering a particular neighborhood, do a tebefore making an offer on a home. Wake up eadrive to the area where you are thinking of buythen commute from there during rush hour. Areverse commute come quitting time. You migto get an estimated commute time online, but acan give you a more accurate idea of what youto and from the office will be like.
Choosing a neighborhood where you will enrequires some forethought and research.
Factors to consider whenchoosing a neighborhood
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LAKE SAPPHIRE
LS# 21119676 $409,900Huge 5 Bedroom 4 Bath lakefront homeull nished walkout Basement w Bath Full master Bedroom suites, Aireplaceully Remodeled Kitchen, Tile Floors25’ of lake frontage, 3+ Car Garage
LAKE CITY
LS# 21115901 $199,900ormer DQ building w/equipment
Located on busy M-55/66 in Lake CityGreat corner location downtownndoor & Outdoor seating w/lake viewsasy in and out Drive Thru for
Customers
LAKE CITY
LS# 21116983 $89,900 Bedroom 1 Bath Home in town
Large Detached Garage, Covered PatioLarge storage area, Central AirClose to Lk Missaukee & downtown
NORTH MISSAUKEE
LS# 21115322 $104,0000 wooded acres on blacktop road
Property adjoins state land on north sideOnly ½ mile to snowmobile trailsGreat recreational & hunting area
NORTH MISSAUKEE
MLS# 21119078 $159,900• 3 Bedroom 2 ½ Bath home on 10 acres• Full partially nished basement, Tile
oors• Hardwood oors, Property adjoins
state land• 5 Outbuildings/Garages for lots of
storage
LAKE CITY
MLS# 21119533 $299,000• Building in Shopping Plaza• 12,500 sq ft retail space• 2 large overhead Doors, ofce area• Large Parking Lot, Warehouse space• Muti-year lease option available
MOORESTOWN
MLS# 21118616 $89,900• 15.74 Acres with over 10,000 sq. ft. of buildings• ofce area has potential to be converted to
living quarters• close to State Land, approx 1 mile to the Dead
Stream Swamp• You have concrete oors, well, septic, rest-
rooms & electric
CADILLAC AREA
•MLS# 21118888 $35,000• 1.3 acres with Frontage on Round Lake• Room to build and room to play
LAKE MISSAUKEE
MLS# 21118244 $339,900• Gorgeous 3 Bedroom 2 ½ Bath Home• 73’ of Lakefront, Finished & Heated
Garage• Basement, Gas Stone Fireplace, Tile
oors• T&G Pine Vaulted Ceilings, 12’ Door
to Deck
LAKE CITY
MLS# 21117333 $169,000• Large 3 Bay car & truck wash• Touchless Automatic Bay also• 3 Vacuum cleaners, Change machines• Only automatic car wash in Missaukee
county
DYER LAKE
MLS$ 21115837 $56,900• 2 Bedroom Lake front cottage• Beautiful views of Dyer Lake• Large Screened in porch• Nice wooded lot
NORTH MISSAUKEE
MLS# 21117113 $164,900• 130 Acres of Land on a blacktop road• Property adjoins state land• Well and Septic already on the property
NORTH MISSA
MLS# 21118471 • 3 Bedroom 2 Bath Manuf• Newer Thermal Windows• New Laminate ooring, N• 27 acres for hunting & R
LAKE CIT
MLS# 21101902 • 10,000 sq ft Retail Buildi• Strip Mall setting w/large• New Roof, newer Furnac• Ofce space, storage Are• High trafc area M-55/66
LAKE CIT
MLS#21117372 • 3 Bedroom 1 ½ bath hom• Full Walkout Basement, A• Hardwood &Tile oors, H
countertops• 20 x 20 Pole Barn & Num
to home
NORTH MISSA
MLS# 21114559 • Wooded 16 acre parcel• Adjoins State land & clos• Includes 36’ 1986 Campe
Whitetail Real231-839-8142 • 101 S. Main St., Lake City, M
www.lakecitymirealestate.comwww.lakemissaukeerealestate.com
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When buying a first home, most people are making one of the
gest purchases of their lives. Without home buying experience,
hard to separate fact from fiction.
Buying a first home can be exciting and stressful for most young
ers, especially the financing process,” says Clete Thompson, vice
sident at imortgage, a division of loanDepot LLC. “There’s a lot of
erwork, many choices, and sometimes budgets don’t stretch very
Our licensed loan officers specialize in helping first-time buyers
igate the home finance process, which can be stressful if you’re
working with a seasoned professional.”
o help first-time buyers, the experts are uncovering prevalent
ths about financing a home purchase:
h: It takes a 20 percent down payment to buy a home.
lity: Required down payment amounts vary by type of loan
they are on average much smaller than people think. Last year,
median down payment for all first-time buyers was 6 percent,
ording to the National Association of Realtors. One reason is
many first-time buyers use FHA loans, which require down
ments as low as 3 to 3.5 percent. VA loans require nothing down
qualified veterans or active military personnel. If you want to take
a conventional loan, many lenders do require 20 percent down,
you can lower that percentage with private mortgage insurance.
re are also hundreds of down payment assistance programs
eliminate or reduce down payment requirements for qualifiedrowers.
h: If you owe a lot of student loan debt, there is no way you can
a mortgage.
lity: Don’t assume that having a lot of student loan debt
omatically disqualifies you from getting a mortgage. The key
or is not necessarily the size of your loan obligation, but the
ount of your total monthly debt payments compared to your
nthly income. This is called DTI.
h: If your credit score is low, you should not even try to get a
rtgage.
lity: Millions of potential buyers assume they will not be
roved for a mortgage even though many could qualify, according
national survey commissioned by loanDepot LLC. Today, median
O scores for mortgages to buy a home are 683 for FHA loans and
for conventional loans. But hundreds of thousands of buyers
h scores lower than those are getting mortgages if they have good
ome and low levels of debt.
Myth: Buying a home isn’t a good investment.
Reality: Real estate, like other assets, rises and falls bas
and demand. Over the past two years, home values in
have been rising. While all real estate is local, if you bo
in March 2012, by August 2014 the national median h
measured by Case-Shiller had risen 29.6 percent.
Myth: The mortgage-interest tax deduction is going awa
Reality: Though the deduction has its critics, most obs
it is unlikely that Congress will eliminate the mortdeduction any time soon. Many states also allow ho
write off the interest they pay on their mortgages fro
income taxes. Check with your accountant or CPA o
qualify for this type of tax deduction.
Myth: I’m about to get married and the wedding is s
won’t be able to buy a home.
Reality: According to TheKnot, the average wedding h
who typically give a gift valued at $100 each. That’
spatulas, baking pans and other things. If every gues
to a Down Payment Fund, you could have enough save
payment on a $276,000 home in San Diego.
“These are just a few of the myths about home
surface frequently in our conversations with first-time
Thompson. “I always advise potential buyers, especia
buyers, to get in touch with one of our local loan offic
interested in straight answers to specific questions abo
home. We are here to help.”
Busting first-time homebuyer my
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Mike McNamara, GRI Associate Broker, ABR
Lakefront Property Specialist
Certifed Luxury Home Marketing Specialist
231-920-6453www.mikesellscadillac.com
E-mail: [email protected]
124 S. Mitchell Street, Cadillac
231-775-1205866-775-1205 Toll Free
Each Ofce Independently Owned & Operated
MEMBEROF
HALLOF FAME
Central
M-1807637 $53,9003 BRs, 2 BAs, 1,100 sq. ft. home on a beautiful 16 acresite with a mixture of hardwoods and pine. Home issituated near a pond with a terric view and abundantwildlife. House needs some attention but has a metalroof and is in decent condition. 40X40 metal polebuilding is newer and has 10 ft. overhead door. Home canbe purchased with an adjoining 87 acre site for $213,800.See photos on www.mikesellscadillac.com.
HOME ON WOODED ACREAGE
M-1808298 $59,9003 BDs, 2 BAs 1996 doublewide with over 1,800 sq.ft. of living space sits on 12 partially wooded acres.Maintenance-free exterior; current heating source iswood burning though home was originally equipped withforced air furnace that the seller will install at the seller’sexpense. 36X12 horse barn. Spacious home offers manypossibilities. See photos on www.mikesellscadillac.com.
12 ACRES IN MARION
M-1808816 $15,900Partial lake view: enjoy the sunset over Berry Lake.Terric home building site suitable for year aroundresidence, vacation home or manufactured style housing.Seller will consider EZ nancing terms; ask your agentfor the details. Wooded site provides nice elevationabove the road grade. There is a nice variety of groundcover, and both hardwood and pine trees on the site. Seephotos on www.mikesellscadillac.com.
LOT NEAR BERRY LAKE COMMERCIAL PRO
M-1808137 A level building site in a park of commuse buildings. Easy nancing terms:15% down payment ($1,350), $147.90at 6% interest rate, pay off the puCurrent activity in the park includesPinnacle Truck Driving School’s newon www.mikesellscadillac.com.
BUILDING SITE IN HARMONY HILLS
M-1807980 $17,000Building site in Harmony Hills Subdivision-- build yournew home in this terric neighborhood of modern homes!Large corner lot offers topography that may be suitable forwalkout style foundation. Underground utilities and countymaintained road. See photos on www.mikesellscadillac.com.
FARMHOUSE ON 16
M-1807665 4 BRs, 2 baths, 2155 sq. ft. home on 16tillable and the rest is nicely wooded hlow wet areas. Home has attached 2+ cbasement; 40X60 barn w/2 stories and 30x40 addition. Barn has woodand stone foundation. Located 9 milnear lakes, rivers, snow sports andNorthern Michigan has to offer! Smikesellscadillac.com.
11 WOODED AC
M-1808060 Terric home site overlooking wetWooded 11 acres on a county mainEasy access to Cadillac or Lakedriveway with culvert near the north500 feet of width combined with the south side combine to create a type ocommon with this parcel size. The with maple, pine and jack pine trees. mikesellscadillac.com.
M-1807977 $24,900Commercial development site; surrounding propertiesnclude retail, service, manufacturing, industrial andtorage. Near big box stores, north end shopping and
Cadillac Airport. Seller will consider nancing terms:3,735 down payment, $223 monthly payment includes% interest, 20 year amortization, seller requires 5 yearalloon. See photos on www.mikesellscadillac.com.
PRIME COMMERCIAL PROPERTY
M-1808304 $629,000Lake Cadillac restaurant includes 385 ft. of lake frontage,close to an acre of land, resort liquor licenses, all restaurantfurniture, xtures and equipment. Owned by the same familyfor the past 53 years, the Marina Restaurant is a destinationlocation for “up north” travelers. With over 4,000 sq. ft. andan additional 600 sq. ft. of outdoor dining patio space, the1-acre site with approximately 275 ft. of busy HighwayM-115 frontage would make an excellent water park,amusement business or terric lakefront condominiumdevelopment. See photos on www.mikesellscadillac.com.
COMMERCIAL LAKEFRONT
HOME W/ROSE LAKE ACCESS
M-1808145 $65,500BRs, 2 BA, 1344 sq. ft. 1996 Fairmont doublewide. Nicely
pgraded w/wood oors, tile baths, wood accents throughout.pacious island kitchen has attractive cabinetry; laundry room
s also a mud room entry. Master suite with walk-in closet;rivate bath has deep soaking tub, skylight and a separatehower stall. Main bath is located close to secondary bedrooms.
Combination of the 2 lots provides 1.17 acre site size andffords nice privacy. There is ample space for future garage orutbuilding. See photos on www.mikesellscadillac.com.
M-1810965 Stunning building site on all spMeauwataka. Sloping topography will out style foundation construction. Buildvacation residence here to enjoy beautilake is about 80 acres in size and is a great shing, clear blue water and has a coverage on the lot includes some magConvenient options exist for easy drivewhas successfully had a previous easemenline abandoned. See photos on www.m
LAND ON LAKE MEAU
M-1810402 $85,9003 BRs, 2 ½ BAs, 2099 sq. ft. home with an awesomeentry-- from the front door you have an unobstructed viewto the backyard! Updated trim including crown molding inentry, living room and dining. Finished basement, attachedgarage, and a main oor ofce that easily converts to laundry.Additional bedrooms possible in lower level with installationof egress style windows. Convenient location is withinwalking distance of schools, Lake Cadillac, and the LakeCadillac pathway or Clam River Walkway. Desirable featuresand an affordable price make this the perfect option as yournew home! See photos on www.mikesellscadillac.com.
TERRIFIC LOCATION
M-1808302 $159,900BRs, 1 bath, 1,300 sq. ft. home on 70 acre site that
buts 3 square miles of state land. Mostly covered inardwoods, the site is rolling and offers at to hillyopography. Close to Long Lake and RV trails, terricirt biking, 4-wheeling and snowmobiling. Home builtn 2002 and operates on a generator for electricity.rivate water and sanitation system in place. 2-storyarage, carport, additional storage buildings. If you likeunting and power sports, this is the place for you! Seehotos on www.mikesellscadillac.com.
70 ACRES W/HOME
M-1807647 $85,9003 BD, 1 BA, 1274 sq. ft. ranch near schools, employmentand Lake Cadillac. Home is in move-in condition andseller will agree to quick occupancy after closing!Should qualify for low down or no down payment loanprograms. Full basement is framed for future nishingthat will almost double the living space. 1995 updatesinclude electrical and plumbing update, fresh drywallthroughout, kitchen, and vinyl siding. Well maintainedby current owner for the last 10 years. See photos onwww.mikesellscadillac.com.
CONVENIENT LOCATION
CAR WASH
M-1807705 $259,000Terric maintenance and care at this car wash that offers 2automatic touchless and 1 manual wash bays. Completelyautomated 24-hour operation located on busy Business 131.History of protability and well positioned for growth. Built in1998/1999; credit card acceptors and token pay system; triplefoam applications for added income. Two vacuum systems andcarpet cleaner. The business is managed to have minimal downtime; seller has possession of spare parts to x common issues.See photos on www.mikesellscadillac.com.
M-1808435 4 BRs, 3 BAs, 3400 sq. ft. home on aterric location. Spacious rooms throumaster suite and laundry. Kitchen feaspace and cabinetry, double ovens andBrick replace, pantry closet, mastwardrobe and entertainment center. Fhas huge family room w/service kitchhas storage closets and space is heatedand well-maintained home you will have a look! See photos on www.mik
TERRIFIC FAMILY
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he big move - it should be in all-caps and
ounced with a deep, authoritative voice.
E BIG MOVE. And it’s coming to yourily soon. It might be from one house
another across town, or it might involve
ssing many state lines. No matter theance, amount of belongings or number
people, your big move is going to be a
deal!
here are ways to plan for your move so
big event doesn’t overwhelm you. Here
five moving tips from Penske Truck
tal, which has been helping customers
mplete their big moves for more than 40
rs.
.Less is better - The less you have tomove, the easier your move will be on
r body and your wallet. It will also be
er to fit everything into your new house.
ile packing, create three piles. The first
our “must-go” pile. The second is your
ust-sell” pile, which includes anything
haven’t used in the last year, anything
have multiples of and anything you just
’t want any more. The third is the “must-
ow” pile, and it contains anything that
t be sold at a garage sale or donated. Start
ating these piles now, and it will makeving day much easier.
. Stock up on supplies - Big boxesmight seem like a great idea becausey can hold so much stuff, but what
pens when you try to lift one and carry it down a flight of steps?
ck up on boxes of multiple sizes, but keep in mind that smaller
much easier to carry. Also stock up on foam and bubble wrap to
tect your fragile items, a good supply of packing tape and bold
kers for labeling boxes. You’ll also want to have moving blankets
hand trucks to make it easier to transport your items.
. Rent a truck - One trip makes the big move simple, even ifyou’re just moving across town. Penske Truck Rental guaranteesuck for every reservation. Most movers find the 12- or 16-foot
ck perfect for moving a few large items or the contents of a small
do or apartment. For guidance with larger moves or with your
k selection, visit www.PenskeTruckRental.com.
. Pack smart - Load the heaviest items on the truck first.When you’ve got a sturdy base of the heaviest items, you cant stacking on top. This is when it’s handy to list a box’s contents
on its side. If you have friends and family helping, the
to set books on top of your china.
5. Safety and security - Trucks are taller, widerequire more stopping distance than the vehicleto driving. Take extra precaution, especially when the tr
Watch out for low-hanging tree branches and buildin
and use extra caution when cornering. To protect you
park in well-lit areas and padlock the rear door. To mak
got everything you need on moving day, create a t
keeping important paperwork, credit cards, identificat
of clothes, drinks and snacks close at hand. For a co
moving tips, visit www.PenskeTruckRental.com.
As you cross days off on the calendar and the big day
these tips will help you sail through the event with
Before you know it, you’ll be settled in your new hom
Plan now for your big move
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Chris Redes • [email protected] • www.chrisredes.com
124 S Mitchell • Cadillac • 231-775-1205
THE Up north team
Central
List with the team that selCall Chris to get the best marketing package for your hom
SellYourHomeHere
adillac $29,000LS#1810230
20 acresMix of Wooded and open landGreat for hunting or build your dream home
20 ACRES
Cadillac Area $109,900MLS#181310
• 3 bedrooms, 2 baths• large open oor plan• huge wrap around deck
OPEN CONCEPT
LeRoy $3MLS#1810578
• 1 bedroom, 1 bath• many updates• great home, cottage or rental
GREAT COTTAG
ears 189,900LS#1807356
3 bedrooms, 2 bathsnew ooring, new kitchen, new furnace39.25 acres
NEW NEW NEW!
DeTour Village $15MLS#1807539
• bank owned• home built in 1986• sold as is
BANK OWNED
Cadillac $59,900MLS#1810133
• 3 Bedroom, 1 bath• Large yard• Basement
LARGE YARD
UNDER CONTRACT
Manton $9MLS#1810674
• Cedar Creek frontage• 34.6 acres• Manistee River
34.6 ACRES
Chris Redes
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8/20/2019 Real Estate 02-16
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It’s rare to get something right the very first time you
it, but when it comes to buying your first home, a lack
knowledge and experience can lead to costly mistakes.
e in four first-time homebuyers say they are completely
amiliar with the mortgage financing process, accordingreport by the Consumer Financial Protection Bureau.
n among those with an understanding of the overall
cess, the report found that many first time homebuyers
had significant knowledge gaps in important areas such
vailable mortgage rates, closing costs, down-payment
uirements and income required to qualify for a loan.
“Not having all the information available could lead
consumers paying a higher interest rate or failing to
ure an affordable mortgage for the home they want,”
Eric Hamilton, President of Vanderbilt Mortgage and
ance. “While most first-time homebuyers understandimportance of their credit report score in securing
mortgage, it’s important they arm themselves with
mprehensive knowledge. Fortunately, there’s plenty of useful
ormation out there for borrowers who want to do their homework
ore diving into the loan process.”
derbilt Mortgage offers eight tips for first-time homebuyers:
1. Adjust your budget. A mortgage payment can increase yourmonthly housing expenses, so prepare by calculating whatamount will be and begin saving that same amount every month
you can get used to the budget change in advance. Use a free
ne payment calculator to help you predict your payment and
erstand your current debt-to-income ratio.
2. Plan for a down payment. Nearly all home loans will requireyou to put some money down as a down payment. Someme loans may require as much as 20 percent of the purchase cost
down payment, although some Federal Housing Administration
ns may require less. Decide on the amount you think you’ll need
create a savings plan to help you reach that goal.
3. Consider the location and type of home you want to buy.Many factors influence the cost of a home, including itstion, size, style and more. A larger home in a high-income area
generally cost more, and property taxes will be higher on a
ger, newer, well-located home. Many first-time homebuyers find
nufactured or mobile homes are a good option. Knowing themated cost of the type of home you want to purchase can help
better manage your budget.
4. Stay on top of your credit. Lenders will consider your creditscore and report history when determining your mortgageibility and the interest rate they may offer you. Make sure to review
r credit report in advance. You can download a free credit report
e a year from all three major bureaus at www.annualcreditreport.
m. If you’re planning to apply for a mortgage, it’s a good idea to
ew your report more frequently and to consider paying to obtain
r credit score from at least one major bureau. If your report
contains errors, work with the credit bureaus to have th
before you apply for a mortgage.
5. Keep current on monthly bills. While it’s imptoward a down payment, don’t let monthly billyour bills on time every month can help increase your
and a good payment history is something lenders lo
reviewing your credit report. Use online tools like em
and automatic payment options to help ensure you n
make a late payment.
6. Work on your debt. If you have delinquent bthem up to date as quickly as possible. If you
revolving credit card debt, you may want to work to
paying more than the monthly minimum payment. W
to have a report that shows no late payments, the m
thing is to not have any delinquent balances before yo
mortgage.
7. Plan for escrow. In addition to the amount you wmonth toward repaying your mortgage, you’l- an amount added to and collected with each mont
payment that is applied toward annual homeowne
premiums and/or taxes. Estimating taxes and total incan help you better understand how much your escrow
month, and you’ll be able to budget more accurately a
for home ownership. Don’t forget that this amount ma
twelve months if your insurance premium or taxes ch
next year.
8. Take advantage of educational resources. Fwebsites to government agencies, it’s easy to information online. Check out resources like the Consu
Protection Bureau, the U.S. Department of Housin
Development (HUD) and the Federal Housing Adminis
8 ways first-time homebuyers canmake themselves mortgage-read
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T H E P R O T E AM ...
M AK I N G R E AL T Y
A R E AL I T Y
PREALTY
OF CADILLAC
Shirley J. SchaferBroker/Owner
Scott SchaferSales
Associate
Brian HoekemaSales
Associate
Carl GenzinkSales
Associate
5884 E. M-115, Cadillac, MI 49601Ofce: (231) 779-2515 • Fax: (231) 779-8605
E-mail: [email protected] • www.prorealty-cadillac.comHours: Monday-Friday 9 AM-5 PM, Saturday 10 AM-2 PM
LAKE FRONT BARGIN NOW ONLY$100000! DIAMOND LAKE COTTAGE,DRASTIC PRICE REDUCTION TOGET PROPERTY SOLD! – 3 bedroomcottage with 2 more possible! Largeopen living area, 1 bath, coveredporch, Lakefront property without the
high taxes! 1.59A #2912
YEAR ROUND HAVEN! PINE RIVERHAVEN TUSTIN AREA – 2 acresm/l with day cabin, covered decknestled on private parcel with 173’of Pine River frontage. Campfire pit,very diverse environment. Now only
$39,900. #2914
SPORTSMAN’S HAVEN - Secludedserene wooded 15 acres in YUMAHILLS! Quaint 2 bedroom chalet withfull basement, 1 bath, open floor plan,2 decks, wildlife abounds! 24x32 heatedgarage, food plot, 2 raised deer blinds,all appliances & partially furnished! Only
$110,000. #2940
HUGE HOME & COMMERCIALBUILDING! Room for everyone &everything. 3681 sq. ft. ranch home,4 bedrooms, 3 baths, huge livingroom, family room, large utility mudroom, attached 2 car garage, hugecommercial pole barn, guest cottage,barn. All on 9.32 acres, Manton area.NOW $87,500. #2951
BARGIN NORTHERN RETREAT! - 3 bedroom 1 blarge living and family roomdeck, enclosed sun porch, Marion Area Only $18,000#
COUNTRY RANCH - Well maintained,move-in ready, 3 bedroom, 2 bathranch with partially finished basement,deck, central air, free standing fireplace,1st floor laundry, 3 car garage, pond &13 acres, Marion area. $105,000. CallBrian. #2952
MIDDLE BRANCH RIVER COTTAGE- Cozy log cottage with fireplace 1bedroom. Bath and private location,shed! Partially wooded 0.86 site. Only$45,999 #2858
IDEAL STARTER OR RETIREMENT HOME.Remodeled 3 bedroom, 2 bath, renovatedand updated manufactured home withnew addition. 2 car detached garage,patio. Well shaded lot, central air, smallbasement. Tustin area. Only $65,000.#2942
G O O D
D E A
L !
P E N D
I N G
LISTINGS NEEDED!SOLD OUT -
LIST NOW ANDSTART THE NEWYEAR IN YOUR
NEW HOMECALL SHIRLEY!
#2943 Manton Building SiteCorner 5 Acre site with evergreens. Buynow build in spring! $13,900.
#2932 Lake GITCHEGUMEE Waterfront!Double building site ideal for walkoutBasement. Rare Find! Only $55,000
#2949 Mesick Wooded 10 Acreparcel ideal Recreational haven. Neargovernment land! Only $25,000.
#2900 Rose Lake Forest 2 good Building Site Loggingwooded site perk test and sOnly $6,000.
#2931 Ten Acres partially wlandManton Mountain Bluffs! Ctrails and 100’s of acres $30,000.
I M M E
D I A T E
O C C U
P A N Y
P E N D
I N G
GREAT STARTER OR RHOME. Lake Mitchell lot with updated 3 bedromanufactured home in movready, well maintained aFireplace and 2 car insulate$44,900. #2948. Call Brian
GRAND TRAVERSE BARGIN! Cozymodular on Kozy Court! 3 bedrooms 1bath, 960 sft, Chimney for wood burner,deck, Detached 2 car garage, nice lotWith mature shade trees! Only $57,000!#2961
S N O W
L O V E R S
!
RECREATIONAL RETREAT OR STARTERHOME. 3 bedroom ranch, 1 bath, openfloor plan, 2 car garage, shed, near snowtrails, Manistee River, and state lands!.40 acre. $65,000. #2947
A U C T I O N
R E D U
C E D !
BARGAIN BUNGALOW! Immediateoccupancy, 3 bedrooms, 1 bath, diningroom, basement, garage, convenientcentral location in Cadillac. REDUCEDNOW ONLY $37,500 #2959
PRIME COMMERCIAL - Visible from US 131, Great exposure for any commercial use. 32x64 with 12’ ceiling. 440 3 pwell & septic. 17 acres. O
Possible contract! #2922
C O M M
E R C I A
L
SO L D!
SO L D!R E D U
C E D !
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8/20/2019 Real Estate 02-16
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