spokesmanclassifi eds.com

Classif iedsHOMES JOBS LEGALS MISCELLANEOUS PUZZLES AUTOS & MORE

www.spokesmanhomes.com

SECTION F SUNDAY, DECEMBER 20, 2015

The Entire Classifi ed DepartmentWishes you & yours a very

Merry Christmas! And all good wishes for success in 2016!If you are looking for a new home, car or job…

our wish is that you fi nd the perfect one!

These printed pages along with online & mobile

listings can help in your search.

for more info visitvikinghomes.com

Rancher Home with Full Unfinished Basement

Granite Counters & Stainless Steel Appliances*

Cathedral Ceilings & Gas Fireplace

Walk-In Closets

Ideal Valley Location, Just Off the Barker Exit with Easy Access to I-90

Ra

Id

1020

har

mo

ny r

dth

e ro

se t

erra

ce

$274,900great views | 3 car garage

2 bedroom | 2 bathroom

just reduced!

contact:Dawn McKenna

(509) 951-5011dawnm@windermere.com

*Refrigerator not included. Restrictions apply. See sales rep for more details. Prices subject to change without notice.

Visit us online for current homes, pricing and directions.

Your Holiday Giftfrom Hayden Homes

Awaits!!

Stop by any Inland Northwest Model Home to

Learn More.

For purchase and sales agreements written and accepted between Dec. 15 and Dec. 31, 2015. Not to be combined with any other incentive or offer.

Old World Charm831 E. Rockwood Blvd.

Magnificent 1913 2-story Tudor Rockwood Mansion.New custom millwork complements the original details.Grand formal LR w/original marble frpl. Entertainingsized DR. Formal library boasts Englenook frpl. Stunningmedia room. Epicurean island kitchen features rainforestslab marble, gas cooktop, breakfast bar & eating area.Lux master suite w/inlaid hdwd flrs, dbl walk-in clsts& morning kitchen. 2nd master suite. Olmsted Bros.inspired gardens w/in-ground pool & tennis court.6 fireplaces. 5 BR, 6 BA, 3 garages, 7,924 SF $1,492,000

Nancy Wynia509.990.2742nwynia@windermere.com

Call 456-Sell (7355) or 800-338-8801 More ad photos at spokesmanclassifieds.comPage F2 l Sunday l December 20, 2015 The Spokesman-Review

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 HOME2119 W. Caden Ave $409,9002008 W. Cascade Way $359,9007707 N. Rye $326,900

Don Willard, 844-5081.OPEN HOUSE 11-2

PARK PLACE5208 W. OXFORD

Brand new near Riverside State Park, 4 nd, 3 bth, mn fl util, gas frplc, fin rec rm, 3 car gar, gran- i t e , h r d w d s , m u c h m o r e . $334,950. Alan Plese, 953-7330.

W. 7003 JIMMY LANENew Marlette mfg home. 2 beds/2 bth+ den/bdrm, dbl gar, A/C, up- dated Whir lpool Kitchen app, landscaping, sprinks, gutters, large patio, community center, gated entry, $174,900. Sue Jess- up, 499-7656.

ROCKY RIDGEFantastic Five Mile Prairie location w/panoramic views of the city. Close to shopping. Neighborhood sports court, lndscpd front yards, 3 car garages, Mead schools. N on File Mile Road, L on Lincoln Rd, L on Lapis Ln.7806 N. Lapis Ln almost finished. Great room rancher w/finished bo- n u s r o o m a b o v e g a r . 3 bdrm+den. 3 bth, 10’ ceilings, lrg island kit w/granite. Mud set tile walkin shower in master, front yard landscaping included. Cov’d rear deck. Excellent finish quality. $349 ,900 Ph i l Konynenbe l t . 991-7445.

8328 N. PINE MEADOWS 3BR, 2 BA, w/ 2544 sq ft, all ap- pliances stay, fresh paint, gas frplc, furnace, central A/C, close to shopping, golf and the Spokane River. $175,500. Call Steve Anderson, 868-4539

10 ACRE VIEW LOT NORTH SPOKANE

This is the perfect lot to build your dream home!! Incredible views! Multiple places to build. Well in- stalled. Power, phone and gas at property line. Mead school district. Private gated entry. 84XX W. Mary Lee Ln. $89,900. Kim McCracken, 435-3124.

PLESE REALTY, LLC 489-2323www.plese.com

FREDDIE MAC HOME-Otis Orchards, 4706 N. Stevenson, new interior paint, carpet & linoleum, large fenced bk, 2

car gar., move-in ready! $149,900 Benji 990-9221

CHENEY REALTY, INC. 235-6191

NEW PRICE!! SO. ASSEMBLY RD!!10 MIN TO TOWN!! THIS 4 BED, 3 BATH RANCHER W/ NEW CUSTOM KITCHEN!!

& NEW Custom Bath & Main floor Laundry Rm. ALSO Newer Heat

pump(CAC) ON 1 ACRE W/ 30’x60’ High Fenced Garden. NOW ONLY $269,900! Call Dave Holmes @

979-2002 Kestell Co. tour at www.tourfactory.com/1436051

CLEAR LK - 13905 S. Finney St, huge 4 bd, 3 bth on secondary lot, beautiful

view, 2 car gar., $324,900. Deb 270-1179

CHENEY REALTY, INC. 235-6191

OPEN 12-4PM1023 N. Stanley. Like new 2200 Sq. ft. 3+BR/3BA, b’ful rock gas frplc, cooks kitchen, b’ful woodwork w/hardwood

flrs, 2-rec rooms, o’sized att garage & fncd corner lot.

Darryl 869-5568, KESTELL CO.

Just Listed Medical Lake Updated 3 BR rancher. New vinyl siding,

windows, flooring,bath. Gas fireplace. $107,500,

Kevin Warner 994-6431 Kestell Co

Luxury New Show Home!4BR/3BA w/incredible view by Sullivan Homes! 4 car garage.

Estate like setting. Big cov’d deck, Granite everywhere. Over 2800 SF,

rich hardwood flooring, custom fireplace/wine cellar. Buy now

for $389,900. Jack Kestell 993-1003, KESTELL CO.

$69,900!!Move right in to this 1 bedroom,

1 bath home on a large lot w/cvrd Patio!! Avoid the weather with an

enclosed breezeway between garage and house. Gas Heat &New Elec panel. Convenient Location

by 8th and Park! call Dave at 979-2002 Kestell Co.

REARDAN-52964 E. Bisson Rd, remodeled 5 bd farm house, alder wood cabinets, large gar., 2 huge

barns, 10 acres, $284,500. Bev 990-1809

HARRINGTON - 111 N. 2nd St, spacious 1.5 story, full unfin bsmt,

4 bd, 2 bth, large kitchen, cov porches, large gar., $89,900.

Benji 990-9221CHENEY REALTY, INC. 235-6191

SENIORS DOWNSIZING B’tful DBL. 3BD, 2BA. In V/Breeze MHP #85

$34,500 t 509-891-4021; 990-9693

IMMEDIATE TOP CA$H PAID For Used Manufactured Homes.

Call Steve @HOME BOYS 481-9830 OR 263-1688

REARDAN-52964 E. Bisson Rd, remodeled 5 bd farm house, alder wood cabinets, large gar., 2 huge

barns, 10 acres, $284,500. Bev 990-1809

14615 S. BEN APPLE RD-Quality triple wide, 2700 sq ft, large kitchen,

custom flrs, large shop, carport, 10+ treed acres, $230,000. Brad 599-191710717 W. MELVILLE-Near golf course,

remodeled 3 bd, 1½ story, granite counters, tile & wood laminate flrs, gar.,

1+ treed acres, $204,900. Benji 990-9221

14902 S. HUNTER RD-Sold “as is”, MH of no value, well but no pump, treed 10.08 acres, $55,000. Bev 990-1809

CHENEY REALTY, INC. 235-6191

3 BED,2 BATH 1900 SQ. FT.TRIPLE WIDE! Good Cents Home w/ 20’ x 30’ Shop sits serenely on over 6 + acres

North of Green Bluff Farms area. It is a super Good Cents home has an

Open floor plan W/ Large Kitchen/Dining area & lots of Natural

Light. ONLY $239,900 Call Dave Holmes 979-2002 Kestell Co.

WILLIAMS LK RESORT-Bunker Rd, water, pwr, sewer, perfectly manicured

& ready! $77,900 Deb 270-1179BADGER LK-34028 Aztec Ln, cute 2 bd,

1 bth MH, secondary leased lot, storage, carport, lake view, $37,000.

Deb 270-1179CHENEY REALTY, INC. 235-6191

BUSY - NCW Bar & Grill - for sale.Call: (509)826-5494

201 W. FRANCISSuite H - Beautifully remodeled

$1,000/mo + Cams. 503 W. FRANCIS

1460 sqft - 5 private offices, 2 bths, nice reception area. $1,600/mo

515 W. FRANCIS3 suites 1000-1675 sq ft $850/mo to $1,300/mo Beautiful brick building -

lots of parking. Call ROD V. PLESE, 489-2323

VIC PLESE, 217-7889PLESE REALTY,LLC,201W.FRANCIS AVE

PRIME RETAIL AND OFFICE SPACENORTHSIDE LOCATIONS

Starting at $8/sf, 125- 2,000 sfCall for lease details

468-2661 tgproperties.com

GARAGES FOR RENT10 x 20 - 12 x 30 Starting at $75/ mo.

468-2661 tgproperties.com

DAVENPORT-206 Morgan St, great Hwy 2 frontage, 40x60 metal shop, 3 bays,

office w/bth, 30x40 two-bay bldg, large parking area, great opp!

$275,000 Benji 990-9221ROSALIA-37624 S. Old Hwy 195, 2.45 acres, huge shop, apt above, barns,

$179,900. Bev 990-1809HARRINGTON-3 & 4 Third St-Office spaces with nice storefronts, great

investments at $44,000 each! Benji 990-9221

CHENEY REALTY, INC. 235-6191

095 HOMES FOR SALE,AREA WIDE

092 REAL ESTATE AUCTIONS 092 REAL ESTATE AUCTIONS

095 HOMES FOR SALE,AREA WIDE

111 HOMES FOR SALE,WEST

113 HOMES FOR SALE,MEDICAL LAKE

115 HOMES FOR SALE,SPOKANE VALLEY

122 REAL ESTATE, OUT OF SPOKANE COUNTY

136 MANUFACTURED HOMES

136 MANUFACTURED HOMES

158 HOMES & ACREAGE

168 LAKE PROPERTY,WASHINGTON

188 BUSINESS FOR SALE

194 OFFICE / BUILDING SPACESALE / LEASE / RENT

196 COMMERCIAL PROPERTYFOR SALE

To place YOUR ad call 456-7355

TURNED DOWN FOR LOAN. NOW WHAT?? Peter G. Miller CTW Features

Ask our Broker

ANSWER: “Lenders” didn’t turn you down; just

one lender said “no,” and that lender may simply be the wrong one for you.

Most loan applications, most of the time, sail through the system. According to the Ellie Mae Origination Insight Report for August, the closing rate for all loans was 66.3 percent, however borrower success varies substantially depending on whether you want a purchase money mortgage to buy a home (with a 70.8 percent success rate) or you’re refi nancing (59.2 percent). The type of mortgage also counts. Ellie Mae says conventional borrowers do best (66.2 percent), followed by those who want VA fi nancing (61.1 percent) and FHA mortgages (60.2 percent).

The fact that your mortgage application has been declined should not deter you from getting a mortgage. The real question is why the lender declined it.

If a mortgage application is turned down you will receive what is commonly called a “denial letter” or “adverse action” notice. The Federal Reserve Bank of Minneapolis explains that “two federal laws – the Equal Credit Opportunity Act, as implemented by Regulation B, and the Fair Credit Reporting Act – refl ect Congress’s determination that consumers and businesses applying for credit should receive notice of the reasons a creditor took adverse action on the application or on an

existing credit account. Notice also required under the FCRA for adverse actions taken with respect to insurance transactions, employment decisions, and in certain other circumstances.”

You then have 60 days from when the notice was sent out to follow up. For instance, did the lender act on incorrect information? If yes, that’s something to discuss with the lender. Effectively, the 60-day period gives you a window to protest a lender decision.

However, and most likely, the lender’s information will be correct. In that case the problem could show up again if you apply for fi nancing with another lender.

The most likely reasons for a loan rejection include issues such as poor credit, a big purchase during the loan application period which reduced your ability to qualify, a low appraisal, and insuffi cient income.

The last item needs a little bit of explaining. If the lender fi nds that your income is lower than expected, say $6,250 a month instead of $6,350 it means a greater proportion of your income will be needed for monthly debts. This can be a problem if your debt-to-income ratio exceeds 43 percent, the limit used by most loan programs.

As you review the lender’s letter consider correcting any erroneous information you fi nd, getting a smaller loan, working out the problems outlined in the notice, re-submitting your application, or contacting another lender.

QUESTION:We recently applied for a mortgage and were turned down. How can we buy

a home if lenders won’t give us a chance? What can we do to get fi nancing?

My colleagues and I are often asked, “What is the best improvement I can

make to my house today in order to realize the best resale price for my house tomorrow?” As we gather with family and friends to enjoy our homes this winter, many are thinking about moving up in the New Year. This seems a good time to answer that question.

I am delighted to have a very good answer to that question, thanks to the fi rst-ever National Association of REALTORS® “Remodeling Impact Report,” released just last week.

In the language of the trade, REALTORS® refer to such projects as those with the greatest cost recovery. The survey found three interior projects and two exterior projects provide the greatest cost of recovery at resale – all estimated to cost under $10,000.

The study examined these interior (new master suite, kitchen upgrade, complete kitchen renovation, bathroom renovation, add new bathroom, basement conversion to living area, attic conversion to living area, insulation upgrade, closet renovation, new wood fl ooring, hardwood fl ooring refi nish, HVAC replacement) and these exterior (new steel front door, new fi berglass front door, new garage door, new vinyl siding, new fi ber-cement siding, new roofi ng, new vinyl windows, new wood windows) projects.

Before I share the project that came out on top, which one would you pick as the winner in this survey?

The winner is – new roofi ng!

The typical project cost for a new roof is $7,600(estimate from NARI, the National Association of the Remodeling Industry), which offers a 105% return on investment. In other words, put a new roof on your house before you sell it, and you’ll

more than get your money back, according to the survey.

As you saw in the list of projects considered, above, there are many things you could do to add value to your home before a sale. If you’re thinking about selling your home next year, sit down with a REALTOR® now and talk over your particular situation. Refi nishing hardwood fl oors, for example (estimated cost: $2,500), turned up a 100% return or break-even project in the survey. If yours are particularly worn, your REALTOR® may recommend this be done over the winter to create a stunning fi rst impression and put your house over the top, at no cost in the end.

While we’re talking about next year, this is my last visit with you in the Sunday paper as president of the Spokane Association of REALTORS®. My one-year term concludes at the end of the month, and the end of the year. Thank you for your kind attention. I’ve enjoyed the opportunity to meet with you here every month. You will enjoy hearing from our 2016 president, Susie Luby, on this page in the New Year. Susie earned a Bronze Medal for downhill skiing in the 1972 Olympic Winter Games – proof that your local REALTOR® can be a real champion.

From all of your Spokane REALTORS®, Merry Christmas and Happy New Year!

See the report referenced in this article online here: http://www.realtor.org/reports/remodeling-impactThis article represents the personal opinion of Jack Kestell, 2015 President of the Spokane Association of REALTORS®.

Best Payback: Hit the Roof! By Jack Kestell, 2015 PresidentSpokane Association of REALTORS®

www.spokanerealtor.comSpecial to The Spokesman-Review

Legend: The rate and annual percentage rate (APR) are effective as of 12/16/15. © 2015 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.

Spokane Spokesman-ReviewCheck rates daily at http://spokesmanreview.interest.com

Institution 30 yr APR 30 yr Fixed Product Rate Points Fees % Down APR Phone Number / Website NMLS # / License #

BANK OWNED On SiteREAL ESTATE AUCTION

Newman Lake Single Family Home25309 E. Rosewood Ln

6bd/5ba - 3784 sqft. + In-law SuiteSALE DATE: Sat, Feb. 13th 2pmSuggested opening bid $175,000

FREE COLOR BROCHURECall - (800) 260-5846

www.auctionservicesintl.com5% buyer’s premium

Jeffrey L. Powell, Lic. WA-2857 ASI-2385

The Spokesman-Review Call 456-Sell (7355) or 800-338-8801 More ad photos at spokesmanclassifieds.com December 20, 2015 l Sunday l Page F3

Dependable RM to share 2400sf Country Home on 3 acres, Spo.Valley. $440, flat. All amenities. 927-7898

$100 Special/Corbin Park 1 rm, big closet, balcony. $420. Free utils/cable, Pets? Sec bldg, coin op W/D 993-7009

3418 W. Francis, 3Br/2Ba, R/R, D/W. No/pets $975 w/s/g Pd. 981-4043

2 Bd, 1 Ba, $800/mo, $600 dep. No pets/smkg.Bkgrnd chk (509)999-0462

*2204 W. Pacific Ave*Studio On-site lndy, New Carpet $435

Gates Realty, Inc. 838-5823

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.

BISMARK APT LARGE 2 BEDROOM IN-DIAN TRAIL 2 BR/1 BA, Would you enjoya Quite location, newly up dated 800+SF 2 bedroom with large bathroom,covered parking-. On a city bus route.On site Landry. Property is well main-tained. Great neighbors. Playgroundarea, close to SFCC, Five mile shop-ping center, Block away from WestviewElementary.For the quite enjoyment of all tenantsbackground information is required.For showing Call Jason @5093851241 $675/mo (509) 385-1241

MOVE-IN SPECIAL OAC. 3 & 4 bdrm’s. Laundry facilities,

A/C, Carport. Call 924-4554

1Bd,1Ba,Single unit in country setting. No w/d.$550/mo. No smk. 466-6110

*1310 W 6th*Recently remodeled 2 Br & 3 Br, DW,

A/C, Balcony, Off street parking, Locked entry. $650- $865

*$200 Off 1st Mo Rent on 3 Br Unit*

*1117 W. 5th*Studio, On-site lndy, Locked entry,

View $435

*1013 W. 8th*1Br, A/C, On-site lndy, Locked entry

$515

*903 S. Adams*1Br, *All Utilities Incld.*, Great living rm., Gas stove, On-site lndy, Locked

Entry $575

*1209 S. Monroe*2Br, HEAT INCLUDED, on-site lndy,

carport $595Gates Realty, Inc 838-5823

ROOSEVELT APARTMENTS - Historic Bldg, Walk Downtown, Across from park, hrdwd flrs, Mahgny wdwrk, French drs, Storage & Gar prkng avail. Cats welcome! City or Park

views. Spacious units! Lg Studio $570; Lg 2Br $840;

3Br $850. 747-1414

MINUTES FROM THE FREEWAY, 2bd/1ba $650 - $750. Appls included,

fpl, W/D, cov’d prkng, storage, patio/balcony. 921-2165

*7814 E. Indiana*1 Br, On-site lndy, Off strt prking $475

GATES REALTY, INC. 838-5823

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

$169.95/wk and up - $625 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.

Med Lk studio & 1BR furnished, utils/cable pd. $550+ NO PETS! 299-5555

ALL RENTALS

$750 - $2,500Ask about our Free

Rent Special!!VIRTUAL TOURS AT:

MadisonSpokane.comOPEN SAT. 10-4

OPEN M-F 9-5:30

SUNDAYS - BY APPOINTMENT

OFFICE 465-9052

3 Bd, 1 Ba, bsmt. 418 S. Altamont$745/mo. 509-951-8124. No Pets.206 ROOMMATES WANTED

207 ROOMS FOR RENT

208 DUPLEXES FOR RENT

NORTHWEST

SPOKANE VALLEY

221 APARTMENTS - UNFURNISHED,BROWNES ADDITION

220 APARTMENTS - UNFURNISHED,AREA WIDE

095 HOMES FOR SALE,AREA WIDE

223 APARTMENTS - UNFURNISHED,NORTHEAST

224 APARTMENTS - UNFURNISHED,NORTHWEST

220 APARTMENTS - UNFURNISHED,AREA WIDE

095 HOMES FOR SALE,AREA WIDE

227 APARTMENTS - UNFURNISHED,SOUTH HILL

232 APARTMENTS - UNFURNISHED,SPOKANE VALLEY

220 APARTMENTS - UNFURNISHED,AREA WIDE

095 HOMES FOR SALE,AREA WIDE

239 APARTMENTS - FURNISHED

AREA WIDE

WEST

240 HOUSES FOR RENT - UNFURNISHED

AREA WIDE

SOUTH HILL

095 HOMES FOR SALE,AREA WIDE

Ask your customer service

representative about

private party COLOR ads.

Would you like colored text

or a colored border?

call 509-456-7355 for details

LEGAL ADVERTISING

DEADLINES:

NOON THE DAY PRIOR TO PUBLICATION.

(Noon Friday for Saturday, Sunday

or Monday publication)

SOME EXCEPTIONS DO APPLY

FAX: (509) 622-1189 Phone: (509) 459-5121

e-mail: legals@spokesman.com

095 HOMES FOR SALE,AREA WIDE 095 HOMES FOR SALE,

AREA WIDE

North 467-7400South 535-7400West Plains 235-7400

See all our NEWEST listings,all Spokane homes

for sale and map Open Houses on our web site!

OPEN NEW CONSTRUCTIONNORTH OPEN NEW CONSTRUCTION

$199,900 830 E Silver Pine #2015123651:30-4 3bd/2bt/3-car gr. New const ranch plan w/CAC, Fireplace, full landscaping. 100% fin. Jim 939-7535 $214,576 28xx W Heath #20151253411-4 Stop by the model home at 2812 W. Parkway for more details and plans call Colt 710-7810 $249,500 9223 N Rosebury #20151749512-4 The Hawthorne, in our maintenance-free area! All landscaping complete. Ready now! Heidi 998-7287 $259,900 9206 N Rosebury #20151689312-4 The Aspen’s spacious main flr has granite kitchen lg island-perfect for entertaining. Heidi 998-7287 $277,500 10309 N Alberta #20152779312-4 Brand New Jesses Bluff 1786SF Rancher w/beautiful lg open rms/3car gar/granite counters Ron 991-2942 $299,900 920 E Colbert #20151701312-4 The Bristol at Bidwell Park. Granite Counters, Stainless appl. 3-car garage. Chelsey 509-429-9562 $299,900 9202 Rosebury #20151689412-4 The Winslow by Greenstone. Granite kitchen, gorgeous master retreat. Loft. Heidi Bollum 998-7287$459,900 10229 N Navaho #2015140721:30-4 2015 Home Show Ranch Plan. 4bdrm/3bath 3-car gr/view lot. CAC/hardwood flr/great rm. Debbie 939-4678$549,900 3208 E Elena #2015211601-3 Nearing completion 3.7 Acre Exec House in Gated Dev 1500ft Little Spokane common ownership 499-6952

SOUTH NEW CONSTRUCTION$379,900 4325 S Bernson Ln #2014274181-4 New 2Story in Trickle Creek 4BD 3BA 4Cr Grg Granite, Wood Flrs, Fully lndscpd, View! Garry 993-9998$447,900 2120 E Touchmark Ln #2015203401-3 Wraparound porch, open flr plan w/cathedral ceilings, gas frplce, office, landscaped. Cindy H 990-4786$599,900 4320 S Bernson Ln #2015176611-4 4BD 3BA Den 4Cr Gar. Beautiful landscaped yard w/fire pit. This is the 2015 Homeshow! Garry 993-9998

VALLEY OPEN NEW CONSTRUCTION$209,900 10111 E Walton #20142768211-3 Clarks Place-New Homes $200K+, Pre-Sale & Homes started. Come see us! Questions call Johnny 279-4885 $325,000 16419 E 10th #2015204251-4 Lindsey Construction 1593sf home w/3bd 2ba, frplc s/s mstr w/garden tub & 3 car gar. Andrew 768-5525$339,900 5402 N Radium #20151870012-3 The Fircrest offers 2888 SqFt finished daylight/ walkout rancher 4BD/3BA Great Views Scott 939-4268$369,900 5409 N Radium #20152177812-3 The Huntington @ Valley Springs 3BD/2BA/3CR Gar, den, covered patio, fully landscaped! Scott 939-4268$389,900 5510 N Radium #20152347112-3 Newcastle Rancher Plan Fully Finished Daylight/Walkout 4BR/3BA backs up to a greenbelt Scott 939-4268$389,900 11210 E Flagstone Ln #20151589612-3 New Rancher by Paras Homes. Main Floor living plus large bonus rm. Quality Finishes & Full Landscape$389,900 8506 E Hazelwood Ln #20151399112-3 Peaceful Living in Hazelwood Park daylight/walkout 4BD/3BA Paras Rancher all the quality you expect.

$160,000Area: Northwest Year Built: 2001 Square Footage:1,980total Lot Size: 6,000 sq. ft.Bedrooms: 4 Baths:2 Address:5912 N Loma DrMLS#: 201523428 Broker:Brad Moeller509-953-9539 / Citibrokers 509-953-9539

A New Home for the Holidays!!

Bright and spacious 4 bed/3 bath home in quiet neighborhood w/ largefenced backyard, deck & 2 car garage w/opener. 3 bedrooms up –additional large bedroom in basement could also be family room. Gasfireplace on main floor and fresh paint throughout. All appliances stay,including laundry set. Hutton, Sacajawea and Lewis & Clark Schools.

2929 W. 17th Ave. $165,000

Call Peggy McCartney509-993-0186

OPEN 1PM-3PM

$219,995Area: Northeast Year Built: 1969 Square Footage:2,964

Lot Size: 0.27 acre Bedrooms: 3 Baths: 2Address: 7302 E. Bigelow Gulch Rd MLS#: 201526573

Broker: Anthony Beckstead 509-499-8593Exit Real Estate North 509-466-4500

VISIT OUR WEB SITE ATwww.cedarpropertymgmt.com

509-489-4287

Your Connection to LuxuryApartment Living.

CEDAR SUMMIT ESTATES V, VI,& VIINew Duplexes 824 S. Delfino Ln.(12th & Hayford) – 838-1145

CEDAR SUMMIT ESTATES I & II10620W 12th Ave. – 456-5561

CEDAR SUMMIT ESTATES III & IV10620W 12th Ave. – 456-4660

CEDAR FOREST ESTATES4403W.Winston Ct. – 327-7174

CEDARMEADOWS8909 N. Colton – 467-4495

CEDAR CREEK VILLAGE I8424 N. Nevada – 468-2076

CEDAR CREEK VILLAGE II8424 N Nevada – 468-2230

CEDAR SPRINGS ESTATES1015 E. Cozza Dr. – 467-0835

Clubhouse Available to Cedar Creek &Springs Residents

CEDAR SPRINGS ESTATES II1110 E. Cozza Drive – 466-0307

CEDAR SPRINGS ESTATES III1011 E. Sharpsburg – 465-2219

CEDAR SPRINGS ESTATES IV

7808 N. Morton – 464-4333

CEDAR CHATEAU ESTATES13310 E. Mission – 922-2347

CEDARCHATEAUESTATES “B”13320 E. Mission – 928-6210

CEDAR CANYON VILLAS5710 S. Hailee Lane – 448-5503

CEDAR PARK3003 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

spok

esm

anho

mes

ww

w.s

poke

sman

hom

es.c

om

Call 456-Sell (7355) or 800-338-8801 More ad photos at spokesmanclassifieds.com ● Sunday ● December 20, 2015 The Spokesman-Review

Sunday, December 20, 2015

spokesmanopenhouses.com

All Open Houses Mapped & Searchable at spokesmanopenhouses.com and on your mobile

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

Mobile version available using our fully optimized mobile site.

Subscribe to the ExperienceSnap the QR Code with your

Smartphone using a

QR Code or Barcode reader.

OPEN HOUSEDIRECTORY

NORTHEAST

12-4 NEW HOMES 920 E Colbert Rd 4 3 $299,900 Coldwell Banker Tomlinson Chelsey Graves (509)429-9562 tourfactory.com/1205187 2015266541:30-4 NEW HOMES 830 E Silver Pine Rd 3 2 $199,900 Coldwell Banker Tomlinson Jim Luster (509)939-7535 N/A 20151236512-3 SINGLE FAMILY 4802 N Elton 3 3 $229,500 RE/MAX of Spokane Kathy Amistoso (509)998-7544 greaterspokanehomesales.com 201527922

NORTHWEST

11-4 NEW HOMES 28xx W Heath Ave 3 2 $214,576 Coldwell Banker Tomlinson Colt Utley (509)710-7810 tourfactory.com/1304244 2015125341:30-4 NEW HOMES 10229 N Navaho Dr 4 3 $459,900 Coldwell Banker Tomlinson Debbie Luster (509)939-4678 N/A 2015140721-3 SINGLE FAMILY 3208 E Elena 5 3 $549,900 Coldwell Banker Tomlinson Fritz Brayton (509)499-6952 N/A 20152116012-4 NEW HOMES 9206 N Rosebury 3 3 $259,900 Coldwell Banker Tomlinson Heidi Bollum (509)998-7287 tourfactory.com/1344459 20151689312-4 NEW HOMES 9223 Rosebury 3 2 $249,500 Coldwell Banker Tomlinson Heidi Bollum (509)998-7287 tourfactory.com/1329044 20151749512-4 NEW HOMES 9202 Rosebury 4 3 $299,900 Coldwell Banker Tomlinson Heidi Bollum (509)998-7287 greenstonehomes.com 20151689412-4 NEW HOMES 10309 N Alberta Cir 3 2 $277,500 Coldwell Banker Tomlinson Ron Hansen (509)991-2942 tourfactory.com/1321421 20152463211-2 SINGLE FAMILY 5208 W Oxford 4 3 $334,950 Plese Realty, LLC Alan Plese (509)953-7330 plese.com 20151992711-2 SINGLE FAMILY 5112 W Oxford 5 3 $379,500 Plese Realty, LLC Alan Plese (509)953-7330 plese.com N/A12-3 SINGLE FAMILY 7707 N Rye St 4 2.5 $326,900 Plese Realty, LLC Don Willard (509)844-5081 plese.com 20152436512-3 SINGLE FAMILY 2008 W Cascade Way 3 2 359,900 Plese Realty, LLC Don Willard (509)844-5081 plese.com 20152526212-3 SINGLE FAMILY 2119 W Caden Ave 4 2.5 $409,900 Plese Realty, LLC Don WIllard (509)844-5081 plese.com 201525261

SOUTHSIDE

1-4 SINGLE FAMILY 2809 S Manito Blvd 5 4 $425,000 Century 21 Beutler & Assoc. Marc Shapori (509)999-2326 2809smanitoblvd.com 2015221991-3 SINGLE FAMILY 2120 E Touchmark Ln 2 2 $447,900 Coldwell Banker Tomlinson Cindy Hedin (509)990-4786 cbtomlinson.com 2015203401-4 NEW HOMES 4325 S Bernson Ln 4 3 $379,900 Coldwell Banker Tomlinson Garry Cozza (509)993-9998 cbtomlinson.com 2014274181-4 NEW HOMES 4320 S Bernson Ln 5 3 $599,900 Coldwell Banker Tomlinson Garry Cozza (509)993-9998 tourfactory.com/1369336 20151766111-5 NEW HOMES 5431 S Osprey Heights 2 2 $364,950 Windermere Real Estate Jim Lister (509)443-2222 jimlister.com 20152651811-5 NEW HOMES 5429 S Ravencrest St 3 3 $249,639 Windermere Real Estate Jim Lister (509)443-2222 jimlister.com 20151556011-5 NEW HOMES 1125 W Quail Crest 3 2 $389,900 Windermere Real Estate Jim Lister (509)443-2222 jimlister.com 20152779011-5 NEW HOMES 6807 S Woodhaven Ct 4 3 $489,900 Windermere Real Estate Jim Lister (509)443-2222 jimlister.com 20151613711-5 NEW HOMES 1203 W Quail Crest 4 3 $384,900 Windermere Real Estate Jim Lister (509)443-2222 jimlister.com 20151604412-5 NEW HOMES 6112 S Summerwood 4 3 $479,900 Windermere Real Estate Jim Lister (509)443-2222 jimlister.com 201526348

VALLEY\LIBERTY LAKE

1-4 NEW HOMES 16419 E 10th 3 2 $325,000 Coldwell Banker Tomlinson Andrew Bogle (509)768-5525 N/A 20152042512-3 NEW HOMES 8506 E Hazelwood Ln 4 3 $599,900 Coldwell Banker Tomlinson Fred Jakubek (509)879-0506 cbtomlinson.com 20151399112-3 NEW HOMES 11210 E Flagstone Ln N/A N/A $389,900 Coldwell Banker Tomlinson Jim Bjorklund (509)939-4607 cbtomlinson.com 20151589612-3 NEW HOMES 5409 N Radium Ln 3 2 $369,900 Coldwell Banker Tomlinson Scott Wright (509)939-4268 tourfactory.com/1396575 20152177812-3 NEW HOMES 5510 N Radium Ln 4 3 $389,900 Coldwell Banker Tomlinson Scott Wright (509)939-4268 cbtomlinson.com 20152347112-3 NEW HOMES 5402 N Radium Ln 4 3 $339,900 Coldwell Banker Tomlinson Scott Wright (509)939-4268 cbtomlinson.com 2015197001-4 NEW HOMES 4620 S Lapwai Ln 5 3 $315,000 Kestell Co. Sarah Sibley (509)993-4112 kestell.com 20152604412-3 SINGLE FAMILY 9612 E Shannon 4 2 $194,900 Windermere Real Estate Daniel Dodge (509)859-8018 dandodge.withwre.com 20152789711-2 SINGLE FAMILY 20301 E 6th 3 2 $359,950 Windermere Real Estate Lisa Lembeck (509)220-7482 windermere.com 20152728311:30-1:30 SINGLE FAMILY 15120 E Wellesley 3 2 $149,900 Windermere Real Estate Lisa Sweeney (509)990-2528 lisasweeneyspokane.com 20152720511-4 NEW HOMES 5 S Grady 3 3 $229,159 Windermere Real Estate Sharon Windhorst (509)879-0223 windermere.com 20151925211-4 NEW HOMES 4823 N Emerald Ln 3 2 $291,979 Windermere Real Estate Trevor Windhorst (509)216-2090 windermere.com 201512077

WEST

12-4 SINGLE FAMILY 1023 N Stanley 4 3 $202,900 Kestell Co. Darryl Gardner (509)869-5568 kestell.com 201523718

spokesman.com