Produced by the Advertising Department of in conjunction with the Spokane Association of REALTORS®

Your day. Your community. Your Life. Connected. SECTION H INSIDE: RESALES – OPEN HOUSES – RENTALS AND MORE

January 4, 2015

COMspokesmanspokesmanhomeshomes..

The Great American Home“If any of us were to look at photographs of a

whole bunch of houses in countries around the world and guessed which ones were in America, we would guess right most of the time,” says John Milnes Baker, an architect based in South Kent, Conn.

Why we’d succeed is a bit of a mystery, because while there exist a few distinctly American architectural styles, they were developed and peaked from 1880 to 1930.

That was a time when a handful of infl uential architects disavowed “the use of historical precedent for decoration and design,” says Dallas-based preservation advocate Virginia Savage McAlester, author of the newly updated “A Field Guide to American Houses: The Defi nitive Guide to Identifying and Understanding America’s Domestic Architecture” (Knopf, 2013).

Before then, American immigrants used building techniques and styles from their homelands, Baker says.

Regional Flavors

In his own book, “American House Styles: A Concise Guide” (W. W. Norton & Co., 2002), Baker identifi es just three “indigenous styles” of the United States developed in this period – the “sculpturally rich” Shingle style of the Northeast; Frank Lloyd Wright’s Prairie style in Chicago and the Midwest; and the Craftsman style that evolved with California’s “bungalow craze.”

These regional styles alone boast a “lack of borrowed or imported features,” Baker writes, unlike homes that were infl uenced by foreign styles.

Though American homes developed some distinct features early on, these were, for the most part, adaptations brought about by different climate conditions, Baker says. A porch or veranda was one such feature – but it’s hardly the quintessential marker that makes a home identifi ably “American.”

Historical Infl uence

Besides the defi ned regional styles, several facets of America’s unique history and development as a nation are refl ected in a variety of American homes.

These infl uences begin with the Civil War, industrialization and railroads. When the war concluded, munitions factories were “converted

to turn out decorative wood pieces” for housing, McAlester says.

Mass production meant that (previously handmade) spindle-work became cheaper and more widely available. She says, “Now, you could put a piece of lumber into a machine and push a button or a pedal and have a beautifully turned piece of wood.”

The ease of manufacturing and distributing these embellishments meant that the splendor of luxury design was democratized. Nowadays, this is most obvious when looking at so-called “McMansions.”

The Car Factor

America’s love of the automobile also changed the look of housing. The “very distinctly American ranch house” is largely due to America’s car-centric culture, McAlester says.

One-story bungalows are typically narrow and close together. Ranch houses characteristically are oriented so “the wide end runs along the street,” she explains, which is not at all accommodating to pedestrians.

Attached garages also are common. In earlier times, only the wealthy could afford cars, and they were no more inclined to “stable” them near the house than they were horses.

House Styles Today

McAlester identifi es “Millennial Mansions” as the large luxury homes that are common now in the U.S.

They are “an entirely new form,” McAlester writes, with roofl ines that “practically explode above the house.” Their exteriors have another “new signature feature – prominent (and largely non-historic) one-and-one-half- or two-story entries.”

However, the exteriors almost always include “details borrowed from one or more historic styles,” McAlester says.

Today, much of America’s housing stock consists of “stylistic mixtures” refl ective of a melting pot ideology.

Much like the history of the U.S., the mixture is an optimistic – if not altogether successful –attempt to achieve harmony by melding together disparate parts.

“These have been created both by those who knowingly sought the unusual,” McAlester writes, “as well as by those who unwittingly combined historical precedents.”

By Dawn Klingensmith CTW Features

Which house styles have a distinctly American feel? The answer is more about need than stylistic fl air

American homes, unlike other architecture styles, often include an attached garage to support the popularity of cars. Their use allowed for many long, one-story ranch-style homes.

A modern American luxury home, sometimes known as Millennial Mansion, features a prominent 1.5- to 2-story entryway.

The Craftsman bungalow is a style commonly associated with California and its regional climate needs.

The Multimedia Sales Team wishes you a

Happy & Prosperous

New Year 2015

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Page H2 • Sunday • January 4, 2015 Call 456-SELL (7355) or 800-338-8801 The Spokesman-Review

GET TO KNOW YOUR LOCAL REALTORS!GET TO KNOW YOUR LOCAL REALTORS!

Trevor Windhorst

I’ve always been involved in real estate one way or another. Growing up with two parents and two grandparents in real estate since the early 70’s, I became very familiar with the business and I actually swore I would never become a REALTOR®. I did not want to spend my evenings and weekends working. After graduating from College with a degree in marketing and advertising, like most college graduates I did not know how I was going to put my degree to work. Slowly I realized the answer had been with me all along. Why not market real estate? When you get to help people realize their biggest dream of owning their own home, working evenings and weekends becomes a reward! Let me help you realize your dream.

509-216-2090www.windhorstrealestate.com

GET TO KNOW YOUR LOCAL REALTORS!GET TO KNOW YOUR LOCAL REALTORS!

Anne Finer

Having been a Realtor for seventeen years, I am most proud and happy to be working with so many repeat clients and their referrals. I particularly enjoy helping my clients make important changes in their lives. Call me “For Finer Service.” (509)939-7766Email: anne@annefi ner.comWeb: www.annefi ner.com

SPOKANE SPOKESMAN-REVIEW MORTGAGE GUIDECheck rates daily at http://spokesmanreview.interest.com

Legend: The rate and annual percentage rate (APR) are effective as of 12/29/14. © 2014 Bankrate, Inc. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $435,000. Points quoted include discount and/or origi-nation. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. TO APPEAR IN THIS TABLE, CALL 800-509-4636. TO REPORT ANY INACCURACIES, CALL 888-509-4636.

Program Rate Points Fees % Down APR

BANK OF AMERICAhttp://www.bankofamerica.com

30 yr fixed 3.875 0.241 $826 20% 3.97915 yr fixed 3.125 0.469 $826 20% 3.3375/1 ARM 3.125 0.082 $826 20% 3.12530 yr jumbo 3.875 0.576 $926 20% 3.969

(C) Seattle, WA 98119

SAMMAMISH MORTGAGE 800-304-6803http://www.SammamishMortgage.com

30 yr fixed 3.750 0.000 $795 20% 3.78915 yr fixed 3.125 0.000 $795 20% 3.19510 yr fixed 2.875 0.000 $795 20% 2.97620 yr fixed 3.625 0.000 $795 20% 3.680BBB A+ Rating-Local since 1992 - CL #118653(A) 3015 112th Avenue, NE, Suite 214, Bellevue, WA 98004 NMLS# 118653

Following the Federal Housing Tax Credit that drove many new buyers into the

market in 2009 and 2010, first-time homebuyers have seemingly gone into hiding. Just 33 percent of buyers were first-time buyers in 2014 (the historical norm is around 40 percent). But, housing experts are anticipating first-time buyers to return to the market in the coming year, according to realtor.com’s 2015 Housing Forecast.

“In 2015, increases in employment opportunities will empower younger buyers to return to the market and fuel the continued housing recovery, Jonathan Smoke, chief economist for realtor.com, said in a statement. “If access to credit improves, we could see substantially larger numbers of young buyers in the market.”

Here, realtor.com’s Top 5 Housing predictions for 2015:

1. Millennials will drive household formations.

Households headed by millennials will grow signifi cantly, refl ecting economic gains. Over the next fi ve years, millennials will drive two-thirds of household formations. In 2015, the

addition of 2.75 million new jobs and increased household formation will drive fi rst-time buyer purchases.

2. Existing Home Sales Will Increase 8%

Experts anticipate year-over-year sales to be similar to 2012, but with more “normal” sales of properties and decreased levels of distressed sales. The majority of activity will be driven by baby boomers prepping for retirement and sales to millennials, who will account for 65 percent of fi rst-time buyer activity.

3. Home Prices Gain 4 to 5%

Low inventory levels and high employment-driven demand will push up home prices in the next year.

4. Mortgage Rates Will End the Year at 5%

Mortgage rates will increase midyear, as the Fed increases its target rate by at least 50 basis points before the end of the year. While still historically low, rate increases will affect affordability for fi rst-time buyers.

5. Housing Affordability Will Decrease 5 to 10%

Affordability will decline, based on home-price appreciation and increased mortgage-interest rates.

Erik J. Martin CTW Features

By Erik J. Martin CTW Features

It’s impossible to plan for the unexpected. But as a homeowner, the closest you

can get is to purchase adequate homeowner’s insurance that covers your property in the event of an injury, fire theft or other disaster.

While mortgage lenders typically require borrowers to maintain suffi cient hazard insurance coverage on their properties, homeowners often can get complacent with their longstanding policies in place and don’t investigate the potential for savings they may be eligible for, experts say.

“Without asking questions and shopping around, how can we really know if we have secured the most comprehensive coverage at the absolute rock bottom price?” asks Frank N. Darras, founding partner at DarrasLaw in Ontario, California, who recommends inquiring about discounts with your current carrier and comparing plans offered by competing insurers. Other ways to possibly earn a discount, according to Darras, include:

• Living close to a fi re station or fi re hydrant

• Recently replacing or upgrading your electrical system, plumbing, or roofi ng

• Installing deadbolt locks on all exterior doors and motion-detector security lights around the property’s perimeter

• Clearing away overgrown foliage from your property line and trimming trees

• Being retired and/or present at home more often to reduce the risk of burglary and vandalism.

Mark Carrasquillo, account executive with E.G. Bowman Company, an independent insurance agency in New York City, says several factors can result in lower premiums and a better value, without sacrifi cing important coverage.

“Bundling policies (for home, auto, and/or life insurance) with the same company usually triggers a discount,” says Carrasquillo. “Securing the services of a central station burglar/fi re alarm monitoring system can yield savings, too, as can taking the highest deductible option you can afford.”

Improving your credit history is another way to potentially decrease premiums. Research from insuranceQuotes.com revealed that

consumers who have a fair (median) or poor credit score may pay, respectively, 29 percent and 91 percent more for homeowners insurance than someone with excellent credit. Additionally, try not to fi le any damage claims unless absolutely necessary, as that also can lead to premium increases.

As a general rule, experts suggest consulting with your insurance agent at least once a year to review your policy and check for every discount you may qualify for.

When it comes to ensuring that you’re insuring at the right coverage levels, go for the highest limits of protection you

can afford, says Darras. That means choosing guaranteed replacement cost over actual cash value. The former reimburses you for the actual cost of the damaged or stolen property if you were to replace it brand new; the latter is equivalent to the replacement cost minus any depreciation based on age, wear and tear.

“When you buy homeowners’ insurance, don’t insure it for what you paid for the property. Don’t insure it for the amount of your current mortgage. Insure it for what it would cost to rebuild right now,” says Bob Freitag, president of AmeriClaims, a public adjusters company in Indian Trail, North Carolina. “Even a small fi re or storm can cause signifi cant structural damage to a home. Make sure your policy limit is suffi cient to rebuild your house from the ground up. Call a couple of builders and get estimates on rebuilding costs.”

In addition, Carrasquillo says to take the maximum liability coverage available – usually $500,000. “Choosing only $300,000 might save you very little, like $40,” he says.

Be aware that antiques, artwork, collections, rare items, business property, detached buildings, pools and fences may have to be insured separately to be fully covered.

“Ask your agent if these items are covered in your main policy contract,” Freitag says. “If they aren’t, you can request additional coverage for them in a separate listing, called an ‘endorsement’ or ‘rider,’”

Lastly, opting for separate optional earthquake and/or fl ood insurance – where it isn’t required but in areas where your home may be at risk – is another smart decision.

CTW

Peter G. Miller CTW Features

Question: You recently wrote that mortgage borrowers should avoid new debt when applying for a mortgage. I’m eyeing a lease on a new car that will lower my monthly car payment and

replace my existing auto loan. Should

I wait on the lease car until after I refi nance mortgage?

Answer: In the eyes of loan underwriters, car loans and car leases are pretty much the same thing: regular monthly debts. That means such payments must be added to your debts for the purpose of calculating your debt-to-income ratio.

But, of course, with mortgage rules there are always exceptions. For instance, the FHA tells lenders that “all applicable monthly liabilities must be included in the qualifying ratio. Closed-end debts do not have to be included if they will be paid off within 10 months and the cumulative payments of all such debts are less than or equal to 5 percent of the borrower’s gross monthly income. The borrower may not pay down the balance in order to meet the 10-month requirement.”

In your particular situation you want

to go from a loan payment to a lease payment and in the process reduce your monthly cost. That sounds like a good idea because the result should be less monthly debt and a lower debt-to-income ratio.

However, before going further, ask your loan offi cer to check with the underwriter to be sure the lease is a good idea. If you get a ruling to go ahead, I suspect the underwriter will want evidence that the old auto debt was paid off and a copy of the new lease.

The reason the lender will want written verifi cations is that under the federal “ability to repay” rule it must show that the borrower has, um, the ability to repay the loan. To assure that the borrower is qualifi ed at the time of application the lender will want to have written evidence that backs up its underwriting decision. Why? Because if the loan fi le is not adequate there are cases where the lender might be forced to buy back loans sold to investors.

To give some idea of just how strenuous the underwriting system has become consider a recent report from VirPack, a document management company. It found that 58 percent of all loan applications now include at least 500 pages of material while 20 percent had not less than 1,000 pages of contracts, tax returns and who knows what else.

Will a new lease hurt my loan?

Ask Our Broker

A peace of mind policy

Experts forecast what they see in the

real estate market for the coming year

5 Housing predictions for 2015

CTW

The Spokesman-Review Call 456-Sell (7355) or 800-338-8801 More info at spokesmanhomes.com January 4, 2015 l Sunday l Page H3

OPEN HOUSE 12 - 3FIVE MILE HEIGHTS

North on 5 Mile Rd. to Alberta TR on Kammi. City water & sewer. Large lots, Mead Schools. We can help you build your dream home starting at $290,000.

NEW HOMES2107 W St Thomas More$332,500

7603 N. Rye $324,9507509 N. Rye $334,900

FEATURED HOME7603 N. RYE

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OPEN HOUSE 12-3W. 7007 JIMMY LANE

SUNDANCE MEADOWS 55+ Brand new 3 bed/2 bath Marlette mfg home with 2 car attached garage. Price includes sales tax, land- scaping, sprinklers, rain gutters, & window coverings. Park has 35 leases, RV storage, clubhouse & gated entry. $169,900. Sue Jess- up, 509-499-7656.

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7421 W. JOHANNSEN AVE.Sundance Golf Course 55+ condo, 2 bdr,2 bth, 1475 sf up and down, all appl stay. Built 1996 has A/C. gas heat, new carpet, tile, counter tops and more. Down sizing? This is the place for you. $212,750. Steve Anderson, 868-4539.

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SCC/GONZAGA BUNGALOWUpdated 3 bdrm close to Gonza- ga/SCC, new carpet and paint, kit w/pergo flrs & all appl. Newer cabinetry, vinyl wins, bay win, A/C, built-ins, gas/frc air, vynl siding & metal roof, remod 2 car gar, full bsmt. 1718 N. Smith. $107,500, Alan Plese, 953-7330.

1205 E. LYONS AVE #3Contempo Mobi le Home Park Northside +55 Community Park. Gorgeous Silvercrest/Chalet Dou- ble Wide 60’X24’- 1440 Sq. Ft. 2 Bdrm/2 Bth- Mstr has a garden tub and walk-in shower. Guest room has 3/4 bath. Lrg liv rm w/fireplace. Informal din off L.R. Extra lrg kit including all appl and pull out drawers. Family rm off kit. Many built-ins. Two large deck area off front of home w/6-8 man person hot tub. No Dissapoint- ments!!!! $59,900 Mike Happy, 990-3455.

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South Hill4127 E 15th $250,000

Open today 1-3pmOpen vaulted grt rm plan - granite;

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New Mt. Spokane Rancher/3600 sqft 1900 finished/3Bd/2Ba/GraniteKitchen/Vaulted Ceilings/Nice

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New Daylight Rancher in Mt. Spokane School District. Open floor plan.

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See it today! Robert Johnson 509-270-7000 CB Tomlinson

1404 S. Deep Creek Nice 6BR, 4BA, 5AC, Huge Shop. 3 Mi W of FAFB.

Evelyn 216-6117 MJ McAdams Realty

5 Bedroom, 1.5 Bath- GREAT VALUE!!

New Gas Furnace/AC, Newly remod- eled Kitchen/Baths. All New Floor Coverings New Appliances. Fully fenced yard. Offstreet parking. Only $119,900. 2603 W. Mallon. Realtors Welcome.Call Gordon509-998-9688

NORTH SIDE GREAT BUY!4+BR/2BA, 2-car garage w/new gas furnace, updated bath, windows &

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5932 N. CANNON - Must sell!Reduced! Immediate occ., 5 bd, 2 bth, new remodel, $164,500. Bev 990-1809

CHENEY REALTY, INC. 235-6191

7303 N. PERRY ST-3 bd, 3 bth, 4 level, 2 car garage plus shop, $199,900.

Brad 599-1917 2405 E. COLUMBIA AVE-Reduced, very nice 3 bd rancher, updated, new roof 2013, tile flrs & counters, large htd

gar, $109,900. Benji 990-9221CHENEY REALTY, INC. 235-6191

SUPER NICE CHASE AREAAmazing Home, end of secluded

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FULL BRICK FACED RANCHERConvenient S.Hill n’hood sits this

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AN OLDER HOME FOR THE NEW YEAR!1911 craftsman, 3-plus bdrms, 2 baths, gas FP, lg corner lot, great south hill neighborhood. Give us a call to view this gem of a property!

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320 N. BROWER- 3 bd Craftsman, orig wood work, hardwd flr, large garage, covered front porch, new ext paint,

includes 1 yr home warranty, $112,900. Debbie 270-1179

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FSBO*23905 E. Maxwell Ln. Liberty Lk. 3Bdr. $219,500 obo. 509-979-8701

TOTAL RENOVATION!•OPEN SUN •12-3•

17501 E. BOONE AVE.4Br/2Ba, on 1 acre, 1408 sf

Close to park & I-90. $250,000 Or call Paul @ 509-991-8883

OPEN 10-4PM. 4601 S. LAPWAI LANE. Brand New 3BR/2BA built by Hayden Homes

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BUILDER SAYS SELL!!Open Sunday 1-3! 8818 E. Clearview Ln. 3Bd/2Ba. 3218 sqft. Price Reduction.

Best price in Northwood. $280,000. Linda Tomulty 859-7455 John L Scott

HARRINGTON-107 N. 3rd, 1½ story, 3 bd, 2 bth, newer roof, refinished hdwd flrs, gas FP, large garage, $74,900.

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BEST OF BOTH WORLDSMinutes to downtown & airport, w/city utilities and paved private cul-de-sac;

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Call Vic Plese 217-7889.PLESE REALTY, LLC, 201 W. FRANCIS

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Call 455-8310 or 979-1733

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More Than Expected! True Turn Key Duplex! Total wall to

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Enjoy the City ViewsFrom the Lanai of this high quality 2BR/2BA condo w/marble surround

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LakeCountryUSA.comDeer/ Loon Lks. Recognized Authority

Tamarack Realty 509-999-6354

201 W. FRANCIS2 Office suites 824 & 1072 sq ft. from $825 mo NNN. Completely remodeled inc. b-ful wdwrk/doors, cabs, carpet, etc. New everything!

503 W. FRANCISRemodeled w/5 offices, private bths, reception. 1,460 sq ft. $1,600/mo. NNN

515 W. FRANCISFormer Law office & accounting firm! 1,150 sq ft $1,150 mo. 1,675 sq ft $1,675/mo

ROD V. PLESE, 489-2323VIC PLESE, 217-7889

PLESE REALTY, LLC, 201 W. FRANCIS

FOR LEASE or SALE • 7,000 sq.ft. Multi-use assisted living facility.

14819 E Mission Ave • Spokane Valley Previously licensed for mental

healthcare center w/24 residents; assisted living facility w/16 residents.

Possible hospice home or rehab center. •Call: 509-981-5780 •

W. SPOKANE - 3 lots Spotted & W. 49th, .94 ac MOL ea, $87,500 ea or all

@ $262,500. Deb 270-1179CHENEY REALTY, INC. 235-6191

FULLY RENTED duplex - Cheney, 519-521 W. 5th Ave, 3 bd, 2 bth, all

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1.5 bth, 2 car gar, $195,000.Benji 990-9221

CHENEY-304 & 308 Vine, 2 homes on 1 lot, each have 3 bd, 2 bth,

$129,900. Bev 990-1809HARRINGTON-Commercial bldgs, 3 S. 3rd St and 4 S. 3rd St, storefront and

back units-$44,000 each.Benji 990-9221

CHENEY REALTY, INC. 235-6191

Share expenses. Northside. Furnished bedrm.Grnd flr apt. Full w/d. Male/fe- male ok. Smoke or drink OK. Bckgrnd

chk req’d. Cable/TV/Phone/Elec. Call Pete (509)489-2645

N.Town Mall, new remod, 1700 sf, 2 Bd,1 Ba,$750/mo+dep (509)936-0125

1918 W. GRACE**CLEAN Lg 1Bd uppr, near SFCC, Water/Sewr/Garbg incl. Off str. parkg. No Pets. $500/mo

+ $250 dep. Alan: 324-1793

*2617 W. Cleveland*2Br, Hrdwd Flo, AC,N/S. $495.GATES REALTY, INC 838-5823

*1508 W 9th*1Br, Updated, Locked Entry,

N/S. $475

*5605 S Crestline*3Br, 2Ba, DW, Fam Rm, Deck, lrg Yrd, Gar. $800

GATES REALTY, INC. 838-5823Fab location 1225 E 29th. 3Bd 2Ba Fpl Gar, A/C, Strg, W/D. $845. 448-9460

LARGE LUXURY DUPLEXES*MOVE IN SPECIAL- FREE RENT*

2 & 3 bd, 2 & 3 ba, dbl gar All appl, sew/ wtr/ grb pd. NS, NP

From $1050 + dep 468-2661 tgproperties.com

1Bd (upper) Pacific/Altamont area. $495 + dep. Call: 936-0125

RWe have Studios, 1 Bd, 1 BathR2 Bd, 1 Bath; 2 Bdrm, 2 BathR3 Bdrm, 2 Bath & Townhouses

FREE Internet Room Call us at 489-4332 or

stop by 4707 E. Upriver Dr.

GONZAGA AREA1 BD $475 819 E. Sharp 954 -4984

MOVE IN SPECIAL BELLWOOD PARK(CALL NOW! (

468-7611Mead Schools

v Quality 2 Bdrms - 2 Bathsv Garagesv Gas Fireplacesv Deluxe Appliancesv Washer & Dryer in Units v Park Like Setting

Wandermere Shopping& Golf, City Bus

v 705 W. Bellwood Dr. v

AUDUBON COURT APTS *2715 W Euclid 2 bd $580 mo, avail 2/9 carport,

strg, near park, SFCC, Finch, no smk/ pet on-site mgr-325-3451

LG. CLEAN STUDIO, convenient locale, W/S/G pd, W/D onsite. No pets.

$425/mo + dep. (509) 995-1335MOVE-IN SPECIAL OAC.

3 & 4 bdrm’s. Laundry facilities, A/C, Carport. Call 924-4554

Trestle Creek Apartmentsfeatures an abundance

of amenities:• 7 floor plans to choose from• 9’ Ceilings • Free Garage

• Black or white appliance option• Contemporary Color Scheme

Tour our 1 & 2 bedroom homes today!

5015 S. Regal Spokane, WA 99223509-448-4844 or visit us at

www.IRentSpokane.comMention this ad to hear our specials

and get a FREE application!

*1611 W 8th*DEC FREE!

1 & 2Br, Main Floor, On-Site Lndy,Carport. $450-$525

GATES REALTY, INC. 838-5823

095 HOMES FOR SALE,AREA WIDE

098 HOMES FOR SALE,NORTHWEST

095 HOMES FOR SALE,AREA WIDE

103 HOMES FOR SALE,NORTHEAST

107 HOMES FOR SALE,SOUTH HILL

108 HOMES FOR SALE,SOUTHEAST

113 HOMES FOR SALE,MEDICAL LAKE

114 HOMES FOR SALE,LIBERTY LAKE

095 HOMES FOR SALE,AREA WIDE

115 HOMES FOR SALE,SPOKANE VALLEY

122 REAL ESTATE, OUT OF SPOKANE COUNTY

130 LOTS FOR SALE / WANTED

132 MOBILE HOMES, SALE / WANTED

134 MANUFACTURED / MOBILEHOME LOTS

138 DUPLEXES FOR SALE

095 HOMES FOR SALE,AREA WIDE

138 DUPLEXES FOR SALE

140 CONDOMINIUMS FOR SALE

156 ACREAGE

158 HOMES & ACREAGE

168 LAKE PROPERTY,WASHINGTON

194 OFFICE / BUILDING SPACESALE / LEASE / RENT

196 COMMERCIAL PROPERTYFOR SALE

199 OTHER INVESTMENT PROPERTY

206 ROOMMATES WANTED

208 DUPLEXES FOR RENT

NORTHEAST

NORTHWEST

SOUTHSIDE

220 APARTMENTS - UNFURNISHED,AREA WIDE

223 APARTMENTS - UNFURNISHED,NORTHEAST

224 APARTMENTS - UNFURNISHED,NORTHWEST

227 APARTMENTS - UNFURNISHED,SOUTH HILL

Whatever your needs

Buying or Selling We can help!

Call 456-7355 today!

OPEN HOUSESNORTH OPEN HOUSES

$169,900 1716 W 1716 W Sierra Ln #2014258851-3 Great room concept in this 3bd/2bth home. Vinyl siding & windows, island kit & more! Cindy Hedin 990-4786

$230,000 5908 W Ridgecrest Dr #20142689112-3 4Bd/4Ba Northside Rancher Move in Ready. Hdwd, Granite, Covered Patio & More! Robin 999-1944

$235,000 6416 N Royal Crescent Ln #20142485212-3 Kings Point PUD (gated). Open floor plan. 3Bd/3Ba. N Assembly behind Manor Care. Tom Carper 879-4147

$239,900 6506 N Parkview Lane #20142534412-3 Kingspoint Gated PUD Rancher/Lg Main Flr Master/3Ba, 3Bd. Open floor plan. Tom Carper 879-4447

$249,900 10819 N Skyline #2014261991-3 Woodridge View Estates with 4bdms/3bath/Family rm/CAC/Deck/Finished yard/4car garage/Ron 979-3135

SOUTH OPEN HOUSES$159,800 37 W 31st Ave #20142688612-2 Location! Rancher with updates of new vinyl windows, ext. paint, & lots more. Close to parks. Dorothy 995-3419

$282,265 5038 S. Stone Crest Ln. #2014212251-3 2Bd/2Bth Great room concept, carefree living, covered patio, oversized 2 car garage. Joanne 868-4383

$349,900 5214 E Sumac #2014231561-4 Very Popular “Sandlewood” 1-level home 3bd/2bth, large bonus room & oversized 3 car garage! Garry Cozza 993-9998

NORTH OPEN NEW CONSTRUCTION$179,900 814 E Silver Pine Rd #2014181761:30-4 New 1467sqft Rancher. 3Bdrm 2Bath 3Car Gar, USDA 100% fin for qualified buyers. Jim 939-7535

$190,000 3003 W Prairie Breeze Ave12-5 4 Neighborhoods to choose from. Desirable 5Mile w/Copper Basin. Visit the Model Today! Starting @ $190K, Samantha 953-1034

$240,000 6011 W Melrose #20142029912-4 2 Story home by Greenstone. Covered deck and warm entry. See this & other homes. Heidi 998-7287

$272,000 9114 N Rosebury #20142130412-4 3Bd/2Ba Rancher by Greenstone w/Gorgeous covered back patio. See this & other homes. Heidi 998-7287

$329,400 9102 N Rosebury #20142511112-4 The Bristol by Greenstone homes. Come see this and other new homes! Heidi Bollum 998-7287 $389,000 9405 N Belmont #20142558412-2 View! Miller dalite rancher/3Br/2Ba/Stunning! Ind Trl-R Barnes-L Phoebe-R Belmont/Julie Dein 879-7080

$445,000 10801 N Navaho Dr #2014169721:30-4 Home show home 3311 sqft 4bdrm 3bath 3car gr w/spectacular views Daylite bsmt Debbie 939-4678

VALLEY OPEN NEW CONSTRUCTION$274,000 16507 E 10th #2014270481-4 3Bd/2Ba New Hm by Lindsey Const. Master bed has full bath. Great rm, formal dining. Kathy 710-3171$289,900 5409 N Ainsworth Ln12-3 New Construction 3bd/2bth This 1,732 mn floor sq ft. w/spacious open kitchen, lrg master suite w/soaking tub & mud set shower plus 3-car gar. Scott Wright 939-4268$299,000 8802 E Clearview #20141264712-2 3Bed 2Ba Beautiful new home by Lindsey Const. Hdwd flrs. Granite counter tops. MaryAnn 879-4899$299,900 9002 E Sunview Ln #20142693312-3 Gated Rock Ridge Townhouse in Northwood 2bed 2bath maint-free living, main floor master & utilities. Cindy Hedin 990-4786$319,900 9006 E Sunview Ln #20142693412-3 Gated Rock Ridge Townhouse in Northwood 3bed 3bath maint free living, main floor master & utilities. Cindy Hedin 990-4786$329,900 5513 N Radium Ln12-3 New Construction 3bd/2bth, large open kitchen & dining room. Beautiful front elevation home on corner lot with views to the south. Scott Wright 939-4268$330,000 16615 E 10th #2014237781-4 3Bd/2Ba New Home by Eric Madsen. Beautiful open floor plan, wd wrapped windows & more! Kathy 710-3171$359,900 8714 E Clearview Ln #20142348312:30-3 Northwood view dalite rancher w/1795 sqft mnflr. Huge great rm. Magnificent view. Ron Hansen 991-2942$399,000 400 N Timberfield Ln Unit J #20141058312-3 New Construction 2bd/2bth daylight rancher. Open great room design with covered deck offers golf course & lake views! Joanne 868-4383$472,500 400 N Timerfield Ln Unit K #20141058212-3 New Construction 3bd/3bth Craftsmand style rancher with gorgeous views. Gated community on Meadow Wood Golf Course. Open great room design w/island, den, hardwood floors, granite countertops. Joanne 868-4383

Featured Today Sunday

Only $55In Print & Online

www.spokesman.com

A Terrific Value!

Call Your Multi Media Sales

Executive or

Debbie Winters (509) 459-5063

Great Results!

5 Mile

2614 Heath Ave. $267,576 Move in ready! 4 bdrm 2.5 bath home in Parkside on top of 5 Mile in N Spokane. 2669 Kelli Johnson at 509.990.5219 kellijohnson@johnlscott.com

Sandy Ridge

4819 N. Emerald Ln. $259,988 3 bd, 2.5 bth hm with an offi ce on the main fl oor and a 741 sf bsmt (450 sf unfi nished). Located in Sandy Ridge gated community. 2,496 total sfSam Hess 509-993-0468 viking@windermere.com

$347,000Area: Northwest Year Built: 2003 Square Footage: 4,000 Lot Size: 18,440 sq. ft. Bedrooms: 5 Baths: 4 Address: 5025 W. Howesdale Dr. MLS#: 201412363 Broker: Brandon Marchand 509-990-7653 / Keller Williams Realty Spokane 509-458-4000

Featured TODAYJanuary 4, 2015

spokesmanhomes.

095 HOMES FOR SALE,AREA WIDE

Call 456-Sell (7355) or 800-338-8801 More info at spokesmanhomes.comPage H4 l Sunday l January 4, 2015 The Spokesman-Review

*1123 W. 7th*2Br, DW, FP, AC, Balcony, Carport,

On-Site Lndy. $575

*1310 W 6th* 2 WEEKS FREE!

3Br, COMPL UPDATED, N/S Gated Parking and locked entry. $795

*1308 W. 10th*2 WEEKS FREE!

2Br, DW, AC, Patio, On-Site Lndy,Carport. $595

*1017 W 8th*2 WEEKS FREE!

STUDIO Locked Entry, FP, On-Site Lndy, N/S. $445

*1018 W 8th*2Br, Updated, DW, On-Site Lndy,

Carport. $575

*1117 W 5th*Studio, VIEW, Lock Entry, N/S

On-Site Lndy. $435

*727 S Adams*1Br, HEAT INC, On-Site Lndy,

N/S, Carport. $465GATES REALTY, INC. 838-5823

CITY VIEW: HEAT PD.-Lrg 1BD, reno- vated, hrdwood, DW, Lndry, Secure non

smk bldg. Pets (no dogs).1324 W. 5th. $595. (509) 747-7630

*12010 E. Marietta*I MONTH FREE! FREE KEURIG!

2Br,DW, W/D Inc, Balcony, Carport. $635 GATES REALTY, INC 838-5823MINUTES FROM THE FREEWAY,

2bd/1ba $575 - $650. Appls included, fpl, W/D, cov’d prkng, strg, patio/

balcony 921-2165

1 bd unit, furnished, Util, Cable & phone included. Pet friendly $25 dep,

$154 - $565 mo & up v509-838-4411

Pet Friendly, free utilities & cable TV, we rent to everyone. $139 wk & up.

4824 E Sprague Call 509-535-5810.

Studio or Kitchenette’s, phone, t.v., micro, & fridge. $139.95/wk & up.

926-5728

ASK ABOUT OUR FREE RENT SPECIALS!!

RENTAL HOMES AND DUPLEXES

$750 - $2,500VIRTUAL TOURS AT:

MadisonSpokane.comWE ALSO OFFER LEASE

OPTIONS AND RENT TO OWNOPEN SAT. 10-4

OPEN M-F 9-5:30SUNDAYS - BY APPOINTMENT

OFFICE 465-9052

BRICK RANCHER, 3 Bd 2 Ba, 2 frpls, Gar, 2924 E Grace. $895/mo 922-2653

*5111 W Princeton Pl*4Br, 1 1/2Ba Rancher, Hrdwd Flo,

FP, Bsmt w/Rec Rm, Shed, N/S. $1000GATES REALTY, INC 838-5823

4235 E. 29th. 3BD/1.5BA, Lg Gar. $850/mo. OAC. No pets/smkg.

509-838-6666

2127 E. HARTSON, 2 Bdrm. Gas heat, $700/mo, $700 dep. (509)747-4729

Hayford VillageNew Single Wides & lot included for Rent $595.

Call 455-8310 or 979-1733

227 APARTMENTS - UNFURNISHED,SOUTH HILL

232 APARTMENTS - UNFURNISHED,SPOKANE VALLEY

239 APARTMENTS - FURNISHED

AREA WIDE

095 HOMES FOR SALE,AREA WIDE

220 APARTMENTS - UNFURNISHED,AREA WIDE

095 HOMES FOR SALE,AREA WIDE

220 APARTMENTS - UNFURNISHED,AREA WIDE

095 HOMES FOR SALE,AREA WIDE

220 APARTMENTS - UNFURNISHED,AREA WIDE

095 HOMES FOR SALE,AREA WIDE

239 APARTMENTS - FURNISHED

AREA WIDE

SPOKANE VALLEY

240 HOUSES FOR RENT - UNFURNISHED

AREA WIDE

NORTHEAST

095 HOMES FOR SALE,AREA WIDE

240 HOUSES FOR RENT - UNFURNISHED

NORTHWEST

SOUTH HILL

SOUTHEAST

247 MOBILE HOMESFOR RENT

To place YOUR ad call 456-7355

Sunday, January 4, 2015SSuuuuuu aayyyyyy,,,,,,,,,,, aaaaaaaaa uuuuaa yyyyyyyyyyyyyyyyyyy ,,,,,,,, 555

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Open Property Type Address BR BTH Price Company Agent Phone Website MLS#

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AREA WIDE11-4 NEW HOMES 12809 W 3rd 4 2 $173,276 Windermere Real Estate Dan Dhaenens (509)991-7349 windermere.com 201417677

NORTHEAST1:30-4 NEW HOMES 814 E Silver Pine Rd 3 2 $179,900 Coldwell Banker Tomlinson Jim Luster (509)939-7535 tourfactory.com/1174875 201418176

NORTHWEST1-3 SINGLE FAMILY 1716 W Sienna Ln 3 2 $169,900 Coldwell Banker Tomlinson Cindy Hedin (509)990-4786 cbtomlinson.com 2014258851:30-4 NEW HOMES 10801 N Navaho Dr 4 3 $445,000 Coldwell Banker Tomlinson Debbie Luster (509)939-4678 tourfactory.com/1161869 20141697212-4 NEW HOMES 6011 Melrose 3 3 $240,000 Coldwell Banker Tomlinson Heidi Bollum (509)998-7287 tourfactory.com/1191483 20142029912-4 NEW HOMES 9102 N Rosebury 4 3 $329,400 Coldwell Banker Tomlinson Heidi Bollum (509)998-7287 tourfactory.com/1123940 20142511112-4 NEW HOMES 9114 N Rosebury 3 2 $272,000 Coldwell Banker Tomlinson Heidi Bollum (509)998-7287 tourfactory.com/1123939 20142130412-2 NEW HOMES 9405 N Belmont 3 2 $389,000 Coldwell Banker Tomlinson Julie Dein (509)879-7080 tourfactory.com/1249267 20142558412-3 SINGLE FAMILY 5908 W Ridgecrest Dr 4 4 $230,000 Coldwell Banker Tomlinson Robin Henspeter (509)999-1944 tourfactory.com/1257285 20142689112-3 SINGLE FAMILY 6506 N Parkview Ln 3 3 $239,900 Coldwell Banker Tomlinson Tom Carper (509)879-4447 tourfactory.com/1241357 20142534412-5 NEW HOMES 3003 W Prairie Breeze Ave 5 4 $190,000+ Coldwell Banker Tomlinson Melissa Dailey (509)879-7858 cbtomlinson.com N/A12-3 SINGLE FAMILY 6416 N Royal Crescent Ln 3 3 $235,000 Coldwell Banker Tomlinson Tom Carper (509)879-4447 tourfactory.com/1226171 2014248521-3 SINGLE FAMILY 10819 N Skyline 4 3 $249,900 Coldwell Banker Tomlinson Ron Forsberg (509)979-3135 tourfactory.com/1251426 2014261991-3 SINGLE FAMILY 3104 W Dalton Ave 4 4 $244,900 Pat Kenney Realty, LLC Zanthe Kenney (509)991-1135 www.patkenneyrealty.com 20142785312-3 NEW HOMES 7603 N Rye 4 3 $324,950 Plese Realty, LLC Don Willard (509)844-5081 plese.com 20132715112-3 NEW HOMES 7509 N Rye 3 2 $334,900 Plese Realty, LLC Don Willard (509)844-5081 plese.com 20142331012-3 NEW HOMES 2107 W St Thomas More 5 3 $332,500 Plese Realty, LLC Don Willard (509)844-5081 plese.com 20142563112-3 SINGLE FAMILY 7007 W Jimmy Ln 3 2 $169,900 Plese Realty, LLC Sue Jessup (509)499-7656 plese.com 20132564812-3 SINGLE FAMILY 6118 W Shawnee 4 3 $279,000 Plese Realty, LLC Vic Plese (509)217-7889 plese.com 20142433511-2 NEW HOMES 13523 N Mayfair 3 3 $299,950 Windermere Real Estate Darren Lawson (509)362-4126 windermere.com 201420901

SOUTHSIDE12-2 SINGLE FAMILY 37 W 31st Ave 3 1 $159,800 Coldwell Banker Tomlinson Dorothy W (509)995-3419 cbtomlinson.com 2014268861-4 NEW HOMES 5214 E Sumac Ln 3 2 $349,900 Coldwell Banker Tomlinson Garry Cozza (509)993-9998 cbtomlinson.com 2014231561-3 SINGLE FAMILY 4127 E 15th 5 2 $250,000 John L. Scott Real Estate Rick Richard (509)879-4422 johnlscott.com/rickr 201424658

VALLEY\LIBERTY LAKE12-3 NEW HOMES 400 N Timberfield Ln K 4 3 $472,500 Coldwell Banker Tomlinson Joanne (509)868-4383 TheVintageAtLibertyLake.com 2011121411-4 NEW HOMES 16507 E 10th 3 2 $274,000 Coldwell Banker Tomlinson Kathy Moore (509)710-3171 tourfactory.com/1188792 2014270481-4 NEW HOMES 16615 E 10th 3 2 $330,000 Coldwell Banker Tomlinson Kathy Moore (509)710-3171 tourfactory.com/1225213 20142377812-3 NEW HOMES 9006 E Sunview Ln 3 3 $319,900 Coldwell Banker Tomlinson Linda Roach (509)701-6143 cbtomlinson.com 20142693412-3 NEW HOMES 9002 E Sunview Ln 2 2 $299,900 Coldwell Banker Tomlinson Linda Roach (509)701-6143 cbtomlinson.com 20142693312-2 NEW HOMES 8802 E Clearview 3 2 $299,000 Coldwell Banker Tomlinson MaryAnn Hume (509)879-4899 tourfactory.com/1123973 20141264712:30-3 NEW HOMES 8714 E Clearview 3 3 $359,900 Coldwell Banker Tomlinson Ron Hansen (509)991-2942 tourfactory.com/1254504 20142348312-3 NEW HOMES 5409 N Ainsworth Ln 3 2 $289,900 Coldwell Banker Tomlinson Scott Wright (509)939-4268 cbtomlinson.com N/A12-3 NEW HOMES 5513 N Radium Ln 3 2 $329,900 Coldwell Banker Tomlinson Scott Wright (509)939-4268 cbtomlinson.com N/A1-3 NEW HOMES 8818 N Clearview Ln 3 2 $280,000 John L. Scott Real Estate Linda Tomulty (509)859-7455 lindatom.johnlscott.com 20142425810-4 NEW HOMES 4601 S Lapwai Ln 3 2 $274,990 Kestell Co. Sarah Sibley (509)993-4112 kestell.com 20142694311-4 SINGLE FAMILY 19021 E Buckeye Ave 3 2 $194,869 Kestell Co. S.Champagne (509)688-4957 www.hayden-homes.com 20142715312-5 NEW HOMES 4324 S Big Horn Ln 4 3 $329,900 RE/MAX of Spokane Carrie Redd (509)979-6680 N/A N/A11-4 NEW HOMES 521 S St Charles 3 2 $222,274 Windermere Real Estate Dan Dhaenens (509)991-7349 windermere.com 20142484611-2 NEW HOMES 20403 E 6th 3 3 $367,950 Windermere Real Estate Lisa Lembeck (509)220-7482 windermere.com 20141927812-3 SINGLE FAMILY 15909 E 6th Ln 3 3 $229,000 Windermere Real Estate Mary Lou Shiley (509)239-1234 windermere.com N/A12-4 NEW HOMES 626 S Selkirk 3 2 $199,500 Windermere Real Estate Tevor Windhorst (509)216-2090 windhorstrealestate.com 201425182

WEST11-4 SINGLE FAMILY 12811 1st Ave 3 2 $169,306 Kestell Co. S.Champagne (509)688-4957 www.hayden-homes.com 201425698

OPEN HOUSEDIRECTORY

VISIT OUR WEB SITE ATwww.cedarpropertymgmt.com

509-489-4287

Your Connection to Luxury Apartment Living.

CEDAR SUMMIT ESTATES V, VI,& VIINew Duplexes 824 S. Delfino Ln.

(12th & Hayford) – 838-1145CEDAR SUMMIT ESTATES I & II

10620 W 12th Ave. – 456-5561CEDAR SUMMIT ESTATES III & IV

10620 W 12th Ave. – 456-4660

CEDAR FOREST ESTATES4403 W. Winston Ct. – 327-7174

CEDAR MEADOWS 8909 N. Colton – 467-4495

CEDAR CREEK VILLAGE I 8424 N. Nevada – 468-2076

CEDAR CREEK VILLAGE II8424 N Nevada – 468-2230

CEDAR SPRINGS ESTATES 1015 E. Cozza Dr. – 467-0835

Clubhouse Available to Cedar Creek & Springs Residents

CEDAR SPRINGS ESTATES II 1110 E. Cozza Drive – 466-0307

CEDAR SPRINGS ESTATES III 1011 E. Sharpsburg – 465-2219

CEDAR SPRINGS ESTATES IV 7808 N. Morton – 464-4333

CEDAR CHATEAU ESTATES 13310 E. Mission – 922-2347

CEDAR CHATEAU ESTATES “B”13320 E. Mission – 928-6210

CEDAR CANYON VILLAS 5710 S. Hailee Lane – 448-5503

CEDAR PARK 3003 S. Perry – 838-8714

CEDAR WOOD ESTATES3015 N. 4th St. – 208-664-2277

AIRWAY HEIGHTS

NORTHWEST

NORTHEAST

NORTHEAST

VALLEY

SOUTH HILL

COEUR D’ALENE

• Unique designer apts • A/C, Washers, Dryers • 1 & 2 Bds, 1 & 2 Ba • Vaulted Ceilings, Skylights • Carports/Garages • Pools/BBQ’s • Starting at $535, No Pets.

Apts include accessibility features required by FHAA.Clubhouse Includes: • Racquetball Cts • Weight Rm • Beauty Salon • Gift Store

MODELS OPEN DAILY

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24/7 online, the only place to go to make plans for the weekend and beyond, with 10 additional pages of must-do local

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095 HOMES FOR SALE,AREA WIDE