openhouses - Bradenton Herald

Transcription

RealEstate
Saturday, May 11, 2013
BRADENTON HERALD / LAKEWOOD RANCH HERALD
HOMEFINDER
OPEN HOUSES
Inside
Online at Bradenton.com
cover profile: page 4
059913
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Bradenton Herald/Lakewood Ranch Herald
REAL ESTATE
Featured Neighborhood
Ready to
Real Estate News
Wagner Realty management team
given safety and violence training
MAKE YOUR MARK?
Recently, Wagner Realty branch managers and
property management staff
gathered at the IMG El Conquistador Country Club in
Bradenton for a meeting
with Stephen McGonagle,
a Police Captain from Amherst, New York. Stephen is
the son of Wagner Owners
David and Joanne Eckel and
lives in Amherst, NY.
Born in Buffalo, Stephen gree. He then attended Bosattended Buffalo State Col- ton University, acquiring a
lege, earning a Bachelor’s De- Master’s Degree in Crimi-
nal Justice. In addition to his
duties, Stephen is an adjunct
professor at Buffalo State College, teaching Criminal Justice and Criminal Law. In the
wave of recent violent incidents, Stephen was invited
to make Wagner staff and
agents more aware of how to
react and survive emergency situations and acts of violence. He recently received
his Florida Real Estate License and joined Wagner’s
referral company.
Wagner Realty holds meeting of commercial
agents, bankers and appraisers
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Recently, about 25 agents
from Wagner Realty’s commercial division met at IMG
Country Club to share experiences in the active
commercial marketplace.
Wagner President David Eckel announced that
the residential market is
back to normal, and the commercial market usually follows. That was evidenced
in the increase in commercial activity over the past
six months.
Charles G, Brown III,
Chairman and CEO of Insignia Bank in Sarasota
was the keynote speaker.
His bank is making commercial loans and sees a
resurgence in the market.
While they are interested in
looking at all commercial
ventures, Insignia’s portfolio attracts income-producing and owner occupied
properties.
Commercial appraisers
agree that the market is definitely coming back, and the
research they do shows rising
property values throughout
the area. Eckel announced
that 2012 was a record-breaking year for both commercial and residential real estate for the company, with
nearly 100 agents earning
sales performance awards
in a recent celebration party. The commercial division
is based in the corporate
headquarters in Bradenton
and can be reached at 941727-2800.
www.WagnerRealty.com
FEATURED LISTINGS
HAPPY MOTHER’S DAY
OPEN SAT 1-3PM
670 Park Cir PARK ACRES. Pet friendly,
55+ villa with attached carport and storage.
Close to pool and clubhouse. Move-in
ready. 1BR/1.5BA. Michelle Simmons
232-8810. #M5834416. $34,500
DEEDED DOCK W/LIFT
$38,000 PARADISE can be yours! This furnished RIVER ISLES ACTIVE 55+ GOLFING COMMUNITY $209,900 AMAZING 2 BR 2BA condo! Beautiful $38,900 SHADOWBROOK 2BR 2BA mobile home $79,000 WEST BRADENTON LOCATION 2BR/1BA
2BR/1BA home on a quiet street in Paradise Bay
Estates has lots of possibilities. This co-op has
it all & the Gulf of Mexico too! Bill Cunningham/
The Greiner Group 794-2246. #M5837188.
Meticulously maintained concrete block homes
with tile roofs. Clubhouse, temperature controlled
pool, grounds overlook the Braden River.
Larry Oczkowski 713-5017 & Louise Miller 920-2993.
$79,900 OUSTANDING FULLY
FURNISHED-NW BRADENTONGOLF COURSE 2BR 2BA
condo 6 miles from the
beach in wildlife sanctuary.
Sold turnkey furnished with
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huge lanai viewing the course.
Beautiful views from front
to back. Sherry Flathman
592-3433. #M5835013.
unit w/ awesome views of water, volume ceilings.
& private dock w/ lift. Easy boat access to
Palma Sola Bay, ICW and the Gulf. This is a must
see! Ed Kinkopf 720-5488. #M5835740.
in land owned park. Turnkey furnished, newer A/CNo age restrictions here! Carport, community
pool, pet friendly community. Well cared for
home. Alice Ohme 720-0284. #M5837021.
REDUCED!
ACTIVE COMMUNITY
home with terrazzo floors, screened porch, on
corner lot and in good condition. Close to area
schools, MTI, SCF. Linda Landinez 807-1206.
#M5826868.
$83,900 TERRA CEIA CLUB CONDO! Fabulous $95,000 NW Old Florida 2BR/1BA by the north Mount Vernon on Sarasota Bay a 55+ $126,000 4BR 2BA WESTSIDE OLDER
2nd floor condo with park like setting & views of tip of Palma Sola Bay. High and dry double lot, boating & tennis comm. that’s amenity rich HOME located on an oversized lot. There is
pond & golf course. Waterfront golfing comm w/ park your RVs/boats. Walk or ride to the parks & maintenance free, offering an unparalleled plenty of room for a pool & garage. A must see to
active clubhouse, restaurant & fishing pier. Peter & at Robinsons Preserve and Desoto Memorial. lifestyle & great value starting in the low appreciate. There is HUGE potential for this house
and lot. Susan Klement 720-4107. #M5837028.
Gina Uliano/The Royal Team 920-0276. #M5835386. Brad Pearson 730-9032. #M5832887.
$100’s! Donna Bucher 713-0203.
GOLF COMMUNITY
$129,900 Nicely kept duplex with 2- 2BR 2BA $139,900 TRULY PICTURESQUE! Village Green $144,000 Extremely well cared for home $154,900 Rarely available 2BR/2BA plus a den $165,000 10+ AC - just off Rye Rd, in fast $179,000 Spacious 3BR/2BA/2CG villa in IMG CC area.
units. Location is convenient to the beaches,
shops, dining & entertainment. Don’t
miss this incredible income opportunity!
Ed Kinkopf 720-5488. #M5830471.
2BR/2BA villa with 1 car garage. 1858sf great
floor plan, updated kitchen, 30x10 lanai under
air, 16x9 paver patio, 2008 tile roof, large corner
lot. Donna Bucher 761-3100. #M5836842.
LAKE VIEW
WATER VIEW!!
$204,900 LEXINGTON BEAUTY! 2BR 2BA plus den
home with over 2000SF on a gorgeous lakefront
lot w/ terrific views. Pristine inside & out, this home
shows like a model. Hurry, won’t last! Peter &
Gina Uliano/The Royal Team 920-0276. #M5836399.
with only one owner. 4 bedrooms for family,
office or exercise. Family room off of living
room indoor utility off kitchen, Good floor
plan. Mary Schmidt 761-3100. #M5837245.
end unit at The Fairways at Pinebrook. Updated
kitchen, wood cabinets, Silestone counter tops.
Baths & laundry rm updated. View of the golf
course. Brad Pearson 730-9032. #M5837312.
growing area. Fenced pasture with some
trees. Great place to build home and have
room for your horses. Stacey Limberg
685-3412. #M5815207.
ISLAND DUPLEX
TWIN RIVERS
Golf course comm, tennis club close by. Minutes to
beaches. Updated throughout, wood burning fireplace,
private courtyard, on cul-de-sac. Judy McCauley/
The Royal Team 758-5839. #M5837187.
$289,900 HARBOUR LANDINGS LOT! Amazing $299,000 WATERFRONT LOT OVERLOOKING $349,000 Anna Maria Island Duplex w/ new $359,900 DISCOVER the tranquil lifestyle of Twin $449,500 MILL CREEK VII DREAM HOME on
waterfront lot in historic Cortez. Gated, luxury BAYOU. Bike to BYC, Emerson Point Park or just kitchen, baths, 5-yr old roof & A/C. Great Rivers. Immaculate & gorgeous 3BR/2.5BA w/ nearly 1 AC. 4BR 3BA, 2835 sq ft of luxurious
community on a safe harbor just minutes to Anna explore Snead Island. Just minutes to Bradenton, location & is walking distance to shopping, and den pool home. 2/3 acre lot w/extended paver living. Solar heated pool w/private conservation
Maria Gulf beaches & has deeded boat slip. Peter & Sarasota, Tampa & St. Pete. Very private white sandy beaches! Perfect annual/seasonal driveway & 3 car garage. Peter & Gina Uliano/ view. Enjoy Florida living by calling today.
The Royal Team 920-0276. #M5837052.
Gina Uliano/The Royal Team 920-0276. #M5816377. neighborhood. David Tyler 345-6290. #M5836198. rental! Ed Kinkopf 720-5488. #M5836778.
Jerri Phillips 809-5059. #M5837263.
5 ACRES/CAGED POOL!!
RIVIERA DUNES
storm protected marina.
Convenient to everything.
Gated, pool, club house,
tennis cts, hot tub &
exercise room. Cherry
wood cabinets, granite
counters, S/S appliances.
Richard
Armstrong
737-4457. #M5837201.
$395,000 Pomello Park: Beautiful custom 4BR 2.5BA pool home on 5.25 acres
w/ 3 car garage. Freshly painted, new hardwood floors, overlooking lake. Richard
Armstrong 737-4457. #M5805616.
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Steve Goldman of Team Foldes
374-1019. #A3976798.
$1,350,000 ESPLANADE ON
THE BAY at El Conquistador/
IMG! Pristine, custom home
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Unique enclave of homes
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nestled in the IMG Country
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941-745-5665
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real estate
Real Estate News
How to get approved for a mortgage
All in the family of real estate R
By WENDY DAHLE
Special to the Herald
I
n Manatee County, a couple
of families have been pioneers in the local real estate industry, and strong family bonds have helped them
continue to grow and thrive
today.
The Travis family boasts
four generations in real estate
that started early in the 1900s
when Effie Travis purchased a
real estate license for $5 from
the court house.
“Grandmother Effie led the
parade,” said Ron Travis, broker and co-founder of the ReMax Alliance Group, the largest
ReMax office in Florida. “Her
family was one of the earliest
settlers in central Florida.”
Effie’s son, Jack, followed
in her footsteps. Jack’s career
stretched beyond selling as he
became the president of the local real estate organization, and
served as District Vice President of Florida’s West Coast
for the Florida Association
of Realtors, said Ron Travis,
who like his father held several positions with both the
local and state real estate associations.
The next generation, Jay
and Christy Travis continued
the tradition. But before going
into real estate, the two were
state-ranked tennis players receiving scholarships to Florida State University.
Although Christy Travis
credits the years of intense
tennis training to their success in real estate, their love
for the industry cultivated from
family dinner discussions, and
watching father and grandfather conduct business.
“We could never envision
having what every one else
calls a real job,” said Christy
Travis. “The freedom of this
profession and the no limit income makes this the world’s
greatest job.”
And now with six children
between them, there is the possibility of even a sixth generation of the Travis family in
real estate.
For Mike and Judy Holderness of SaraBay Realty, the
family’s real estate careers
took a little bit different path.
It all started in 1979 when the
young couple decided to enroll
in a real estate course.
“We took the course strictly
to broaden our horizons,” said
Judy Holderness. “Our livelihood was a boat manufacturing plant that we co-operated
with my parents.”
About halfway through the
real estate course, their family
boat business burned, she recalled. Suddenly the couple was
unemployed with three small
boys and a mortgage.
The logical solution to their
crisis was to dive into the real
estate business. Although not
without bumps along the way,
it eventually developed into
the family business, SaraBay
Realty.
Early on, the broker they
worked for decided to close
four real estate offices in the
Bradenton and Sarasota areas.
The Holdernesses saw it as an
opportunity for their family
to put down roots in the local real estate industry.
“I was managing our office
at that time,” said Judy Holderness, who is now the broker and manager of SaraBay.
“Mike and I both felt strongly
about keeping our wonderful
office together. So we scraped
up every nickel and dime we
could find and bought the office, and SaraBay Real Estate,
Inc. was born.”
The boys love for real estate developed from growing
up around the real estate business, she said.
“Michael got his license at
21, earned his GRI (graduate
of the Realtor Institute) at 22,
and has had award winning
sales volumes in residential
real estate ever since,” said
Judy Holderness.
Son Jason got his real estate license at 23, and decided
to sell commercial real estate.
He later moved to California
where he remains today, and
offers his commercial real estate expertise to budding agents
at SaraBay, said Judy Holderness. And recently nephew
Rob Wilhoit joined the SaraBay Family.
Thirty four years in the real
estate business with family,
it still seems like yesterday,
she said.
“Having our sons follow us
into the business was both a
compliment and an honor,”
said Judy Holderness. “Both
have excelled and made us
extremely proud.”
Are there advantages to
working with family? Working with family provides continuity for the clients, said Ron
Travis. Clients also realize
that somebody will always be
there to serve them, as agents
are basically on call almost
24-7 for clients and can cover for each other when needed, he added.
“There is also what is known
as institutional knowledge
passed between the generations, where the older members pass on valuable info about
things the younger ones don’t
know or haven’t learned yet,”
said Ron Travis. “It is also neat
that you can be with your family and stay in the same town.
Plus it is a great exit strategy
for the older ones to pass on
their business to the younger ones.”
eal estate professionals say the market
is rebounding, and
many would-be home buyers are eagerly awaiting their
opportunities to purchase
their own homes. Fresh data
indicates that the inventory of properties is quickly drying up and soon the
market is poised to point
in the sellers’ favor.
According to Allen &
Associates, a real estate
appraisal, consultant and
research firm based in Colorado, properties in the area
listed for sale are below the
six-month supply of inventory. Now could be the time
to get a good deal on a home,
provided buyers are able to
secure mortgages.
No matter how many affordable homes are available, if a buyer cannot get
approved for a mortgage,
then his or her chances of
owning a home are slim.
In the wake of a tumultuous economy, many lenders tightened restrictions
on mortgage lending. And
even though the economy
has rebounded, many lenders have continued to follow strict guidelines before
lending money. In order to
secure a mortgage with a
good interest rate, buyers
must take control of their
financial situations and fix
problems that could lead to
loan rejection.
Many things can impact a
mortgage application. Here are
the ways to overcome liabilities and improve your standing
with prospective lenders.
• Know your credit rating.
Your credit rating is a score
that lenders rely on when deciding whether or not to approve your mortgage application. The higher the credit
rating, the more attractive you
look to prospective lenders.
But the lower your score is, the
more difficulty you will have
getting a loan. Should you get a
loan with a low score, you may
have to pay a higher interest
rate than someone with better
credit. Prior to making any big
financial decisions, such as applying for a mortgage, it is vital
to find out your credit score.
You can request a free copy of
your credit report, which includes your credit score, once
a year from the three major
credit reporting agencies in
the United States and Canada: TransUnion, Experian and
Equifax. You also can pay for
your credit report.
• Address any issues on your
report. Once you know your
score, you can take steps to address any issues on the report.
Pay down revolving consumer
debts, such as credit card balances and auto loans. Report
any errors on your credit report so they can be adjusted.
Pay bills on time and address
any notices of collections before they make it onto your permanent record. If you will be
applying for a loan soon, avoid
opening any other credit accounts for the time being.
• Maintain steady employment. Having a job is often vital to getting a mortgage. Lenders tend to look for long-term
financial stability, which is
best illustrated by maintaining
steady employment. Jumping
from job to job may be a red
flag to lenders, so it’s better to
make a switch after you have
been approved for a loan.
• Save, save, save. Having
more money in the bank lowers your loan-to-value ratio, or
LTV. This will make you appear less risky to lenders. Individuals who have saved for
a considerable down payment
on a home are also seen in a
better light.
• Make sure you have a credit history. Some people are too
cautious with their credit and
think closing accounts or avoiding credit entirely will make
them more attractive to lenders. Lenders will want to see a
strong credit history that indicates your ability to pay your
debts on time.
Cover profile
Single-family homes on lake and preserve homesites with
exceptional amenities and location. Models open daily.
New homes from the low $300s.
real estate
059906
Visit us at our Model Home Sales Center at 14723 7th Ave NE • Bradenton, Florida
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059907
real estate
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Real Estate News
Jennifer Naylor joins RE/MAX Alliance Group
SARASOTA - Jennifer Naylor has joined RE/MAX Alliance Group as a Realtor in
the Sarasota office.
Originally from Sherbrooke, Quebec, Canada, Naylor speaks English
and French. A Sarasota
resident for 18 years, she uses
her extensive local knowledge to introduce Canadians and international transplants to the Sarasota area.
Her background as a Sarasota residential mortgage
broker and real estate closing agent helps guide real estate transactions to a speedy
closing.
“RE/MAX Alliance Group
is a phenomenal company
with the best Sarasota has
to offer,” Naylor said.
Prior to her move to Sarasota, Naylor worked as a manager in a five-star resort in
Compton, Quebec, then in
private banking at the Canadian Imperial Bank of
Commerce. She studied business administration at Bish-
op’s University in Lennoxville, Quebec, and at Ecole
Notre Dame Des Neiges in
Sherbrooke, Quebec. Naylor has completed continuing
education courses in human
needs psychology, neuro-linguistic programming, nutrition and wellness coaching.
She enjoys motivational wellness public speaking, traveling, hiking, downhill skiing,
piano, meditation and fast
walks on Siesta Key Beach.
In the past 18 years, she has
been involved in the American Business Women’s Association (ABWA), Women’s
Resource Center, Siesta Key
Kiwanis, Siesta Key Chapel, and Christian Family
Church.
How to create a paver
walkway or patio
METRO CREATIVE CONNECTION
C
reating a walkway or
patio out of paving
stones can add aesthetic appeal to a property.
Pavers are less permanent
than concrete and decking. As a result, it is easier
to change the design later
on if you want to give the
space a new look.
Homeowners who install their own pavers can
save a considerable amount
of money. Because installing paving stones can be
labor-intensive, landscape
contractors may charge a
premium for installation.
However, this is a project
that can be tackled by the
do-it-yourselfer.
1. Measure and plot out
the area that will become
the path or patio. The area of
the space can be figured out
by multiplying length times
width. This will help you de-
termine just how much material you will need.
2. Visit the home improvement store or a supplier of
stone and other masonry supplies to determine
the style and color of the
paving stones you will use
in the project. Some homeowners prefer to have the
materials delivered to their
home to save the hassle
of extra heavy lifting and
moving.
3. Using a shovel or a tiller, dig down and remove
the grass to a depth of four
to six inches from the area
that will become the path
or patio.
4. Fill in the area you
dug out with a paver base
material, using a tamper
(either manual or powerdriven) to tamp down the
paver base until it is level
and smooth.
5. Apply about one inch
of paving sand to further
level out the path or patio.
This will be the material
on which the paving stones
are laid.
6. Begin laying the paving
stones. Leave the appropriate distance between stones
desired by your pattern. If
the paving stones will not
have any gap and serve as
a continuous patio, leave
only the smallest gap between them.
7. Spread more paving sand
on top of the paving stones
and, using a broom, sweep
it over the stones and into
the crevices between them
to set the stones.
8. Create the rest of the
garden design around
the patio or pathway
using gravel, plants and
even edging material to
finish the look. Over time
you may need to sweep
more paving sand over
the stones to keep them
secure.
Find your new home at
Bradenton.com/RealEstate
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real estate
• Hiking and Nature Trails
• One Minute to Boat Launch,
Fishing, and Kayaking
• Community Center with Pool
and Basketball Courts
• 5 Minutes to Publix
• Convenient to I-75
No CDD Fees
059908
real estate
•
•
•
•
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Huge 85’ x 130’ — Homesites ‑ Many Larger • Walking Trails & Lakeside Gazebo
Near Ft. Hamer Boat Launch • Fishing and Kayaking • A Graded Schools Nearby
Granite Countertops • Wood Cabinets • 20 Minutes to Downtown Sarasota
30 Minutes from St. Pete • 40 Minutes to Downtown Tampa • 3 Minutes to Publix
059909
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real estate
Open houses benefit buyers and sellers
NORTH AMERICAN PRECIS SYNDICATE
T
he next time you’re
thinking about buying or selling a house,
you might want to open your
mind to the benefits of an
open house.
What Buyers Should Do
Buyers should make the
most of each open house
they visit and remember to
keep an open mind. Here
are some tips for visiting
open houses:
• Check everything in the
house including appliances,
the size of closets, storage areas and the views from the
windows.
• Walk around the property and check such things
as the brick and mortar and
siding.
• Drive around the neighborhood and get a feel for
the area.
• Talk to the Realtor hosting the open house and pick
his or her brain about the
condition of the home, recent upgrades and the neighborhood.
What sellers should do
As a seller, an open house
is about putting your home’s
best foot forward. Here are
some tips for a successful
open house:
• Declutter and clean the
house.
• Replace burnt-out lightbulbs and wash the windows.
SUCCESS STORY
OUR ADVERTISERS GET RESULTS!
Wagner Realty’s mid-February “Open House
Event” proved to be a huge success! Wagner
Agents held open houses at one hundred
homes & condos all over our area. Well over
1,200 people took advantage to find their
dream home and several contracts were
written that weekend.
President David Eckel commented how
successful Wagner’s promotional events
have been. “We consistently advertise weekly
in the Bradenton Herald and Lakewood
Ranch Herald and consider this our best
return on investment!’
DAVID ECKEL
• Mow the front lawn and
clean the walkway.
• Fix maintenance issues
such as dings in walls or
leaky faucets.
Two more things to consider
1. Last year, 45 percent of
all buyers used an open house
as a resource in their home
search process, according to
the National Association of
Realtors® Profile of Home
Buyers and Sellers. Open
houses are a way for buyers to get an idea of what
they can afford and what
is available in their market.
For sellers, it’s a chance to
market the home and attract
potential buyers.
2. Whether you are buying or selling, working with
a Realtor® is key. Some 89
percent of buyers purchase
You’ve
got the
dream.
We’ve got the goods
to make it happen.
their homes through a real
estate agent. Only 9 percent of sellers sold their
home without assistance
from an agent.
Realtors® have invaluable
insights into what sells a home
and are the most trusted resource for real estate information. They know what
buyers value in their local
markets. They can help sellers protect their investment
and buyers build theirs.
Learn more
For further facts and tips,
visit www.houselogic.com/
buyandsell.
Despite the growing popularity of online resources
that showcase homes for
sale, there’s nothing like
the direct experience of an
open house.
PRESIDENT, WAGNER REALTY
WWW. WagnerRealty.com
THE BRADENTON HERALD IS THE
#1 SOURCE FOR
ADVERTISING
IN MANATEE COUNTY!
real estate
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Description
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real estate
Kitchens are defining the look of today’s homes
NORTH AMERICAN PRECIS SYNDICATE
K
itchens are cooking up
some of today’s hottest decorating trends.
That’s the word from experts who say families are
using their kitchen as never before.
Gathering there to do homework, socialize, watch TVeven cook-they’re making
the kitchen, in many cases, the busiest room in the
house.
However, while kitchens may be busy, the decorating trends associated
with that family focal point
are anything but. Instead,
those trends feature clean
lines, sleek appliances
and innovative storage
solutions.
Said Janice Jones of national homebuilder Pulte Homes,
“In the past, home design
was driven by practicality,
but now homeowners want
function and design to meet.
The kitchen is now a driving
force in defining the decor
of the home overall.”
Jones added that the company’s 700-plus new home
communities across the country feature fully furnished
model homes because the
majority of homebuyers prefer to see the design ideas
“in action.”
P u lte a l so a l low s
homebuyers to design their
dream kitchen with a click
of a mouse with its new interactive Kitchen Studio.
Images on www.pulte.com
allow users to visualize a
custom kitchen space by selecting from a variety of colors and finishes-from flooring to wall color.
multi-functional spaces that
allow everything from homework to craft projects.
Islands: New kitchen layTo keep the clutter off the
outs and designs are open and island but near the kitchen,
island-centric. They call for the innovative Pulte Planning
Here are some of the
leading trends for 2013
Center is a multifunctional
space used for bill paying,
family organization, homework or as a computer room.
Consumers also want multipurpose islands, so kitchens
now have two islands.
Color & Appliances:
Two-tone colors and contrasting colors on cabinets,
counters and appliances are
an emerging trend in kitch-
en design. “This is the biggest visible news in the appliance world in years,” said
Jones, adding that the new
look was inspired by popular high-tech gadgets, such
as smartphones.
Storage: Megasize storage for bulk and food items
is in demand. Other innovative storage solutions include larger deeper drawers
in lieu of cabinets on the lower surfaces; pop-up cabinets
for heavier kitchen appliances, such as mixers; vertical
pull-out drawers for large
trays; and shallow storage
compartments in previously wasted areas under the
sink or stovetop.
To learn more, visit www.
pulte.com.
Gathering there to do homework, socialize, watch TVeven cook-families are making the kitchen, in many
cases, the busiest room in
the house.
Education: An important ingredient for homeownership
STATEPONT
T
here’s a good reason why many people dream of owning
a home. Homeownership offers benefits such as stable
monthly payments and the
opportunity to establish a
sense of community. It can
also be a way to build equity over time.
But don’t dive into the process unprepared. Experts say
it’s crucial to become financially literate first.
“Educated borrowers are
better prepared for successful, long-term homeownership and overall financial
stability,” says Christina Diaz-Malone, Vice President of
Housing and Community Outreach at Freddie Mac.
In fact, a recent study found
that financial counseling before purchasing a home can
reduce the likelihood of going into default. For first time
homebuyers, counseling reduces the likelihood by an
average of 29 percent.
Luckily, free credit education resources and information are becoming more
financial decisions. Today it’s
available in two ways.
CreditSmart’s new, selfpaced web version features 12
education modules. You can
take the free online course
at www.FreddieMac.com/
creditsmart.
Or, consider attending a
class led by a housing counselor certified by the US Department of Housing and Urban Development.
A credit education course
can prepare you for homewidely available.
ownership by covering the
For example, Freddie Mac’s following topics:
CreditSmart program, a comprehensive, multilingual cur- Budgets
riculum used by lenders,
A spending plan is neceschurches, schools and non- sary for anyone with financial
profit organizations, has goals. Financial education can
helped more than three mil- help you differentiate your
lion consumers across the spending needs vs. wants,
country make more informed and set up a realistic bud-
get accordingly, as well as like loan-to-value ratio and
provide guidance for how fixed-rate mortgage so you
to stick with the plan.
donâ€™t sign anything you
don’t understand!
Credit
Generally speaking, the
better your credit, the lower your interest rates and
fees will be when obtaining a loan. If you don’t have
credit or you don’t have good
credit, it’s essential to establish good credit before trying to get a loan.
Credit education can teach
you how to save and how to
invest your money wisely.
Lingo
The real estate and mortgage world has its own language. And if you aren’t wellversed in it, you can get in
over your head quickly. Study
up on terms and concepts
Avoiding fraud
Unfortunately, there are
unscrupulous companies and
individuals out there who
may not have your best interests in mind. Reliable financial education can help
you recognize the warning
signs of fraud. Familiarizing
yourself with the resources
at www.FreddieMac.com/
homeownership/educational/ is a good start.
Ask family and friends for
names of real estate agents and
lenders with whom they’ve
worked or contact your financial institution or a certified housing counselor for
guidance.
real estate
15T
A Wish Fulfilled. The Ones You Love.
The Luxury of Time.
New Phase Just Released!
Start with maintenance-included, energy-efficient homes, designed for care-free coastal living. Combine with resort-style amenities like a
private clubhouse, pool, cabanas and proposed marina. Top off with the pleasures of Anna Maria Island. It all adds up to the Florida resort
lifestyle you’ve been dreaming of. A place to gather family and friends today and celebrate all the tomorrows to come.
Waterfront Resort Living on Florida’s Last Private Island.
Award-Winning Designs | Enduring Quality | Incomparable Value
Exquisite Island Coach Homes from the $370s to $500s.
LEED Certified | Move-in Ready | Models Open Daily
minto creates better places to inspire life
(888) 355-8385
For more information about our award-winning homes and communities throughout Florida, visit mintofla.com
060165
12300 Manatee Ave. West, Bradenton, FL 34209 On SR 64. Turn right just before the Anna Maria Bridge.
Prices and availability subject to change without notice. Oral representations cannot be relied upon a correctly stating the representations of the developer. For correct representations, make
reference to the purchase agreement and homeowner documents, including the documents required by section 718.503, Florida Statutes, to be furnished by a developer to a buyer or lessee in
condominium communities. Not an offer where prohibited by state statutes. CGC 1505726. 6/2013.
16T
real estate
 New homes starting
from Mid-$200’s.
 Floor Plans ranging
from 1,800 – 3,500+ SF.
 Amazing community
amenities:
•
•
•
•
•
•
•
two clubhouses
pools
waterslide
spas
walking & biking trails
playgrounds
tennis & basketball
courts
• soccer fields
• fishing ponds
4
Model
Homes
To Tour!
Located off SR-64,
1.7 Miles east of I-75.
TAMPA
ST.PETERSBURG
SUNSHINE
SKYWAY
BRIDGE
275
41
~ THE MAGNOLIA ~
301
75
BRADENTON
GREYHAWK
LANDING
EXIT 220
41
~ THE INVERNESS ~
64
EXIT 217
70
301
UNIVERSITY PKWY
LAKEWOOD RANCH
EXIT 213
780
NAPLES
life as it should be.
www.greyhawklanding.com
059885
SARASOTA
GULF OF MEXICO
~ THE KINGSLEY ~
~ THE SAWGRASS ~
Li ving Large
real estate
17T
Offering Amazing Value in Rye Wilderness Estates
from the Low $300s*
Half Acre Estates • No CDD Fees
Serene Lake & Presevation Views • Park & Playground
Rye Wilderness Estates
384 NE 165th Ct, Bradenton
Easy Access to Excellent Schools, Shopping, Rye Wilderness Preserve,
Prime Outlets at Ellenton, and Lake Manatee State Park.
Move-In Ready Homes Available!
For More Details, Call: 941-567-6173 • Visit: HortonReadyNow.com
Facebook.com/DRHTampaSarasota
Nearby D.R. Horton Communities You Might Also Like: Old Tampa Estates, Parrish • 941-479-4971
The Nation’s #1 Builder for 10 Years in a Row**
059861
CGC1513647 *Home and community information, including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation.
Pictures, features, colors and sizes are approximate for illustration purposes only and will vary from homes as built. **As reported by Builder Magazine. | 02-2013
18T
real estate
058900_SO
THEREAL ESTATEEXPERTS
FORECLOSURE SPECIALIST
Since 1987
May L. Aston,
www.mayaston.com
042865
941-545-3417
Top realtor in VILLAGE GREEN
10 years in a row!
DENISE LANGLOIS
941-725-4425
044196
Judy “The Condo Queen” McCauley
Gina & Peter Uliano
www.BradentonRealEstateTeam.com
Judy 941-758-5839 • Gina 941-920-0276 • Peter 941-920-0236
044203
CREATING GREAT HOMES FOR GENERATIONS
Custom Homes
Lakewood Ranch
Renovations
Design Studio
941.748.8834 • 456 12th Street West • Bradenton, FL 34205
$495.00
FLAT FEE
LISTING SERVICE
Regional MLS - Realtor.com - Zillow - Trulia and 100’s of other Real Estate Websites.
941-729-8523
www.495FLATFEELISTING.COM
Peter J. Poe
Broker - Owner
Office: 941-729-8523
Cell: 727-804-4811
Email: Peter@PoeRealty.net
ince 1992, David Like New Construction and Remodeling,
Inc, has been building the American dream. No matter if
your next project is a new house, or something smaller,
David Like will incorporate your desires with his ability to create,
and produce a result that far exceeds your expectations.
David Like will be on the job site from the start, to the finish of
your project. This is one of the many assets that make David Like
New Construction and Remodeling an exceptional choice when it
comes to making a decision about who you are going to use for
your construction project. David ensures that every phase of your
project is completed to his very high standards of excellence and
that you are 100% completely satisfied with all of the work that
is done.
David Like New Construction and Remodeling specializes in
the following remodeling projects: Room Additions, Kitchen
and Bath and window & door replacement. When planning and
designing these types of projects, special care must be taken to
insure structural integrity while following a specific order that
will provide cost effectiveness, along with lack of inconvenience
during the project.
Call (941)756-6244 to schedule your FREE consultation, or
email: B7rythmanandblues@live.com
David Like New Construction and Remodeling is a Certified
Residential Contractor with an A+ rating with the Better Business
Bureau. Lic. #CRC 056213.
EST.
1956
048238
S
For the “Royal Treatment”
THE ROYAL TEAM
www.bwhomes.com
for ONLY
COMMISSIONS
Quality is Key to Success
Top Residential Sales Team
Since 2003!
1217 29th Ave. W., Bradenton, Fl 34205
941-747-4695, Email: Bradenton.window@verizon.net
Hrs. Mon. - Fri. 8:00-5, Sat. 9-12, Closed Sundays
They are a Sate Certified General Contractor that performs
construction management and remodeling services.
NO
054436_SO
055250_SO
Inventory is low,
so if you’ve been thinking
of selling your home,
NOW sure would be a
great time.
B
radenton Window & Allied Products, Inc. has been serving
Bradenton and Sarasota for over 57 years! It is a family owned
and operated business in Midtown Manatee. They have both
retail and wholesale divisions, which sell many hard to find parts,
aluminum extrusions, glass, mirror, and shower doors.
Visit the showroom to consult with the experts and see products
such as: windows; doors; storm shutters; and acrylic rooms.
Having extensive knowledge of windows, doors, and storm
protection, they are the place to consult for your remodeling and
installation needs. They can assist with room additions: pergolas;
hurricane mitigation; room enclosures; shower enclosures; store
front; skylights; window systems, and related repairs.
From windows to doors, to glass, they have it all! Check out their
product galleries and take a look at some of their manufacturers on
www.bradentonwindow.net
“See Showroom for Ideas”
Call if you need help with the following
DOORS • IMPACT WINDOWS
HURRICANE SHUTTERS • SCREEN
1217 29th Avenue West
747-4695
www.bradentonwindow.net
real estate
19T
LAST UNIT AT THE HARBORAGE!
LAND FOR SALE
052277_SO
5 Acres
Available with no flood zone and no
wetlands. Survey available. Close to
Coldwell Banker Res RE, 941-914-8130.
MODELS OPEN SAT/SUN NOON-5PM
Award-Winning Building/Stunning Waterviews! New Condos from the
low $200’s, Low HOA fees, Quality Construction, Great layouts, Upgraded
throughout. The Palms at Riviera Dunes 501 Haben Blvd, Palmetto, FL
(Next door to the Convention Center)
www.ThePalmsAtRivieraDunes.com
Jeff Dieter, Broker • 941-479-7962
2 BR/ 2 BA Condo w/ 1 car garage.
Resort style pool, boat docks, trails, kayak livery
1473 sf: $161,990
SERIOUS INQUIRIES ONLY
NEAL COMMUNITIES
941-753-9087
056971_SO
Donna Drumheller
060181_SO
SR 64 and LWR. $189,500.
OPEN MON.-SAT. 10 - 5:30; SUN. 12-5
Open Sun 1-4
8354 Sailing Loop
CONDOMINIUM SHOPPING LIST
LOCATION! CONDITION! PRICE!
DRIVE-BY!
BURGUNDY: $44,500, 4705 5 th Street West
VILLAGE GREEN: $145,000, 716 67 th Street West
$445,000
Lakewood Ranch
Edgewater Village
RICH KENYON
BROKER
THE RIVERVIEW: $129,900, 1400 1st Avenue West
PALMS OF TERRA CEIA:
$
95,000, 2320 Terra Ceia Blvd West
Call for information and appointment
941-753-7228
Geri@GeriKenyon.com
053967_SO
060173_SO
Move in condition! Fabulous 4/3, Gourmet kitchen, home office, pool &
more! Decorator touches throughout! Brand new HVAC system.
Gated community, walk to Lakewood Ranch’s Main Street.
Prudential Elite Realty, PJ Depetrillo • 941.524.7707
Find your new home at
COUNTRY VILLAGE:
49,900, 2715 72 nd Street Court West
$
79,500, 2809 72 nd Street West
$
89,900, 7201 29 th Avenue Drive
$
GERI KENYON
REALTOR
20T
real estate
AREA / ADDRESS
Room To Roam...1+ acre
5511 37th Avenue East
DESCRIPTION
REALTOR
PHONE
OPEN TIME
941-720-1575
Open Sunday 1-4pm
Palma Sola Harbour
9533 Antiqua CV U102
$250,000. Palma Sola Harbour 3BR/2BA. Fantastic corner lot on main canal w/dock 40+ ft seawall age & pets
friendly. Close to gulf. #M5832868
Jack Kendall
Wagner Realty
941-713-9319
941-751-0670
Open Saturday 1-3pm
Palma Sola Harbour
4216 Catalina Dr
$215,000. Palma Sola Harbour - Dock with 30’ seawall+boat lift. Age & pets friendly. Minutes from beach.
#M5829920
Jack Kendall
Wagner Realty
941-713-9319
941-751-0670
Open Sunday 1-3pm
River Strand
8205 Grand Estuary Tr # 208
$158,000, 2 br, 2 ba. + den & 3 large walk-in closets. Gorgeous views from lanai. Bright end unit. Large lighted
secure storage room. Screened portico entrance. Home warranty. Available NOW!
Donna Drumheller, 941-914-8130
Coldwell Banker Residential RE
Park Acres - W Bradenton
670 Park Circle
$34,500. Park Acres. Pet friendly, 55+ villa with attached carport and storage. Close to pool and clubhouse.
Move-in ready. 1BR/1.5BA. #M5834416
Michelle Simmons
Wagner Realty
Time-saving cleaning tricks
H
• Switch your soap. Glycerin or liquid soaps do not
have traditional binders that
are in many bar soaps. Without the binders, which are
the primary cause of soap
scum, you will have to contend with much less soap
scum in showers and sinks.
To further cut down on soap
scum, use a small, flexible
squeegee to wipe down tile
walls and glass doors after
each shower.
• Work from the top down.
Dust and dirt settles at the
lowest levels. Avoid messing up what you have just
cleaned by beginning any
cleaning task high up and
moving downward. Therefore, dust shelves and cobwebs from ceiling corners
first, then tackle tables and
other surfaces before ultimately cleaning the floors.
• Concentrate on one room
at a time. Some people suffer from cleaning attention
deficit disorder. This means
they’ll begin one task and
then go into another room
for something and start a
new task, and so on. Focus on one room at a time
to save time. You will do a
more thorough job with less
frustration.
• Establish a drop zone.
Foyers tend to accumulate
a lot of clutter. Organize the
space so you’re less tempted
to drop items as soon as you
come in. Keep the recycling
bin (or shredder) handy for
dealing with junk mail. Have
a coat rack for hats, coats and
umbrellas. Keep a basket
available so you can transport items that belong in other rooms in the house.
• Do laundry every day.
Invest in a hamper that enables you to sort clothing into
different compartments, including lights, darks and delicates. This way the sorting is
already done when it comes
time for washing.
• Rely on baking soda and
vinegar as cleaning products. These kitchen staples
are the workhorses of many
cleaning projects. A mix of
baking soda and vinegar can
dislodge a clogged drain and
be added to a wash to freshen towels and linens.
941-232-8810
941-751-0670
Open Saturday 1-3pm
“Selling Paradise
One Palm Tree at a Time”
WILDEWOOD SPRINGS CONDO
WITH PRIVATE POOL
Sandy Greiner
Broker/REALTOR®
2284 Sq. Ft. 2BR/2BA plus den/office
end unit with extensive upgrades
throughout and its own pool!
Full laundry room! A true “Must See”
CALL SANDY GREINER
$209,900
BAYSHORE ON THE LAKE
Bill Cunningham
REALTOR®
941-812-8564
Updated 2BR/2BA in “C” building
with no age restrictions and expanded
gourmet kitchen. Exceptional!
CALL SANDY GREINER
A beauty at $67,200
0
Bob Coey
KINGSFIELD LAKES
REALTOR /Annual Rentals
®
Spacious 3100 sq. ft. pool home with
4BR/3.5BA with easy I-75 access.
Built in 2003.
CALL BILL CUNNINGHAM
Carla Ross
REALTOR®
Offered at $295,000
941-773-4624
PARADISE BAY ESTATES
adult waterfront park only 2 mi.
from AMI. Tons of activities!
CALL CARLA ROSS AT
Wanda Masengale
REALTOR®
Offered at only 59,400
941-504-8849
The Greiner Group, Wagner Realty. 941-794-2246
Don’t miss out on the news!
Subscribe Today!
060183_SO
ouse cleaning is a
chore few people relish. House cleaning
can be monotonous and timeconsuming. But ignoring
cleaning tasks may leave
you with a much larger mess
to tackle.
Cleaning does not have to
be such a difficult job. There
are a number of time-saving
strategies to keep the mess
to a minimum and keep your
weekend afternoons free
from all-day cleaning.
• Do the dishes after every
meal. A sink full of dishes can
make the kitchen look like a
mess, and letting dishes pile
up increases the risk of an insect infestation. Although it
may seem like a chore, keeping on top of dishes actually reduces your workload.
If you’re lucky enough to
have an automatic dishwasher, then load dishes directly into the dishwasher instead of putting dirty items
into the sink.
• Protect your microwave.
The inside of the microwave tends to get dirty rather quickly. Heating up snacks
or quick meals may result
in spill-overs or splatter. To
cut down on cleaning time,
stack several paper towels
on the turntable. Should a
spill occur, simply discard
the top paper towel for an
easy clean-up.
Open House Saturday
& Sunday 1-3pm
057150_SO
Across from Bashaw Elementary. Beautiful oak canopies, community boat dock on Braden River. Spacious 3BR
2BA, office, new bamboo wood floors, granite kitchen, new cabinets, private street. $279,900
Jerry Cercone
Coldwell Banker Residential Real Estate
real estate
HOUSES UNFURNISHED
HORIZON
RENTALS
PUBLISHER’S NOTICE:
All real estate advertising herein
is subject to the Federal Fair
Housing Act, which makes it illegal to advertise “any preference, limitation or discrimination
based on race, color, religion,
sex, handicap, familial status or
national origin, or intention to
make any such preference, limitation or discrimination. “Familial
status” includes children under
the age of 18 living with parents
or legal custodians, pregnant
women and people securing custody of children under 18.
This newspaper will not knowingly accept any advertising for
real estate which is in violation of
the law. Our readers are hereby
informed that all dwellings advertised in this newspaper are
available on an equal opportunity basis.
If you believe that you may have
been discriminated against in
connection with the sale, rental
or financing of housing, call The
United States Department of
Housing and Urban Development (HUD) toll-free at 1-800669-9777. The telephone number
for the hearing impaired is (TDD)
1-800-543-8249.
ROOMS FOR RENT
� $135 WEEK + DEPOSIT
Large Room - Great Westside
location with house privileges.
941-730-3119, 941-752-2995.
CHECK classification 6505 for
more Commercial Business Opportunity ads.
NURSING FACILITIES/RESTORIUMS
Condo Headquarters
Great Selection!
Bayshore Realty. Inc 755-3701
34205
HOUSES UNFURNISHED
2200 sq ft at THE INLETS
Hwy 64 E, Bradenton 3BR/2.5
BA/Pool on canal, includes
800' A/C Playroom Garage,
freshly painted former model
home $3,000 mo 941-780-1070
� 3/2/2 CORDOVA LAKES, on
Lake, 6109 37th Ave West,
Bradenton, $1245 mo.
� 3/2/1 Cordova Lakes, on lake,
6105 37th Ave W., lanai, fenced
yard $1095 mo. 941-795-8176
DESIRABLE HOME 2/1.5 gar.,
convenient, shaded, utility, w/wd
hookup, h/a, blinds, no pets/NS,
$1100 + sec. dep. 748-7621
APARTMENTS UNFURNISHED
3/2 House. 1,570 sq. ft.
fenced. Solar headed pool.
$1,350.00/ mo. $1,350.00
Security deposit. 1st month.
pool maintenance included.
38th Ave W. Available May 1,
2013. Call 941.545.9591.
BUSINESS ADVERTISERS:
Tough Times call for Tighter
Targeting. Contact your
Bradenton Herald Network
Marketing Consultant to find out
about our exciting partnership
with Yahoo. It enables us to
deliver your online ad to
individuals interested in your
product or service!
Call your rep today at
941-748-0411 for more info.
APARTMENTS FURNISHED
1/1 NICELY FURNISHED IN
IRONWOOD avail. now!
941-752-6346
CORP RELOCATION Temp
Accommodations 1BR, Fully
Equip. Non Smoke, No Pets
Bayshore Realty,Inc
773-1363
34207
YOUR EMPLOYMENT CONNECTION The Herald Classified
Manatee County’s Number One
Source for Employment
APARTMENTS UNFURNISHED
$0 WATER BILLS!
Belmont Park Apartments
4300 18th St. W. in Bradenton
1 & 2 Bedroom
Apartments
from: $570
Great Location with a large Pool
Call for additional information:
M-F 8am- 5pm 941-756-4884
205
DUPLEXES UNFURNISHED
2BR/1.5BA GARAGE close to
MHS background check,
$750 mo +sec., no pets,
Call 941-794-6443
� 3/2 LG. $875 MO. �
River Wilderness
Gated comm. Spacious 2 or 3
BR, 2 BA, 2 car. Huge lanai, by
pond/creek, new carpet/paint,
all appls. $1500 mo. + sec. Yr.
lease. Ready now! 941-747-8804
UNIQUE 3/1 IN PALMETTO
Historic District, high ceilings,
terrazo and tile floors, cedar
closets, Park Like grounds, close
to shopping, parks & river.
References, Yearly lease. $1000
mo. plus deposit. 941-773-1652
1, 2, 3 BEDROOMS
$649 - $890
Best Location! More Space!
Award Winning!
CENTRE COURT APTS
Income Restrictions.
Corner of 53rd Ave W. & 43rd
St. W., Bradenton 941-752-2001
34210
1 BR conv., quiet, Burgundy
condos. Htd. pool, tennis. Sm.
pet ok $525-$575. 753-1957.
2 BR/1BA $595/MO.
First Month ½ Price!
$595 deposit. Water, sewer
& trash included. No pets.
941-729-9541
GATED COMPLEX
Starting at $575 mo. Security
dep. waved! BAD CREDIT OK
2019 5th St. W. 941-747-0278
34205
DUPLEXES UNFURNISHED
1, 2, 3, & 4 BR's REASONABLE
PRICE. Veteran's Discount 5%
756-8211. www.usarentals.net
2/1 $675, 2/2 $695 Low Deposit!
Excel. location 941-739-9223.
2/1 - $750MO. 5631 23rd St. W.,
3 blks, from SCF, complete/total
remodel/everything new from
bath tub to roof, carport, W&D
hookups, extra storage bldg.
no pets, $750 mo. + security.
941-792-1679 or 941-224-0491.
2/1 WHITFIELD ESTATES. Nice
& clean, well maintained, W&D
hkups, D/W, carport. $795 mo.
$500 sec. dep. 813-368-5109.
2/2- $725 MO. RENT
Includes util. Cent. H&A, W/D
hkups. OakLeaf Prop. Mgmt.
Only 2 left!
941-741-2360
6210 42nd Ave W., Bradenton
W&D hkups. Background check.
$875 deposit. 941-751-5051
Check out the Saturday
Real Estate tabloid section each
week for the latest and best
Real Estate listings!
CONDOS/T-HOUSE/VILLAS/UNFURN
$850 VILLA FOR RENT
2 BR/2 BA 1st Mo. FREE
Fisherman's Cove Resort
PALMETTO/TERRA CEIA BAY
Enjoy the amenities! Pool,
Spa, Tennis Court, Basketball
Court, Boat Ramp, Fishing Pier
(941) 729-3685 Office
(941) 840-2686 Cell
www.myfishermanscove.com
MOBILE HOMES FURNISHED
2BR/2BA Doublewide
Furnished. W&D, private area,
sheds, central air. Yearly only
$695 per mo. �1 BR $495
mo. avail. now. 941-351-5265
MANUFACTURED HOME, Tidevue Estates, Ellenton 55 plus,
heated comm. pool, 2BR/2BA
Kit., LR, Din/TV area, spacious,
very large screen porch overlooks lake, turn key, Jeannie
752-6292 or jack 518-8166
MOBILE HOMES UNFURNISHED
NEW 2/2 Home for Rent
$875 mo. $199 Moves you in
55+ Community. Pet Friendly.
Open Mon.-Fri. 8-5, Sat. 10-4
Call 941-722-7874
REAL ESTATE
RESIDENTIAL
HOMES FOR SALE
BACK ON MARKET!
NEW 5 BR, 3 Bath, 2 Car Gar.
Impressive w/almost 3,000 sf
Only $230,650. On beautiful
pond. Complete w/granite, 42"
cabinets, SS appl, tile. Brick
paver driveway + no CDD fees.
New Homes Specialist Realty
Call 941-953-7177
HOMES FOR SALE
NEW 3BR/2BA,2Car$154,900
Bradenton Area West of I-75
21T
MANUFACT. IN PARKS OWN LAND
Fantastic spacious open plan in
great new comm + no CDD fees
Hurry before this ones gone!
Call 941-953-7177
Outstanding New Home Buy!
NEW 4 BR/2.5 BA/2 Car
Only $1000 dn. w/qual,
Now Only $176,900.
For this fabulous lge. home on
pond. Complete w/brick paver
driveway + no CDD fees.
Great family area.
Call 941-953-7177
product or service!
REAL ESTATE AUCTIONS
DOUBLE WIDE mobile home
auction May 18th at 2PM 295
Apricot St., Bradenton, Fl
(Plantation Village) Organ &
Grill also AB923 ALL FLORIDA
REALTY & AUCTION CO.AU1333
For info & pictures afraac.com
941-746-5355 Terms: 13%
buyers premium 3% discount for
cash or personal check
product or service!
MANUFACTURED HOMES/SALES
Palm Harbor Retirement
Community Homes
$8500 off, 2/2 & 3/2
From $39,900
John Lyons 800-622-2832 x 210
$ 65,500.00
2004 Palm Harbor Home with 2
bedrooms, 2 baths, and den.
Handicap accessible with Premier walk in tub. Acrylic windows in front Florida room
(20'x15')and is air conditioned.
Some furniture, upgraded appliances. Over sized storage area
(15'x15') with extra insulation in
ceiling and walls and double
doors for golf cart storage.
Central air is only 3 years old.
Finished dry wall throughout
home. Many Other fine features
too numerous too mention.
Please call Dawn Trook @ Paradise Realty for an appointment.
941-962-0297 or 941-723-0182.
A must see home in Ridgewood
Estates, Ellenton, Florida
MANUFACT. IN PARKS RENT LOT
$350 MO. PALM VILLAGE MHC
Bradenton’s Best Kept Secret!
HANDYMAN SPECIALS
$1500 - $3500; TLC required.
� #C-16 $12,500 2BR/2BA w/
lanai & furn. Feels like dblwide.
� #A-12 $7,500 2BR/1.5 BA w/
lanai. $350 mo. lot rent includes
H20, trash & mowing. 55+ park.
No pets. 3528 14th St. W, Bradenton 34205. Karin 748-5224
Are You a Handy Person?
We Have a Few Homes
Available at Low Prices.
That are in need of remodeling.
You Must Be 55 Or Older
4207
Starting @ $1,500.
Pescara/Swan Lake
Communities
941-756-8702/756-5409
PALM HARBOR 2BD/2BA retreat
room, lanai, shed, carport, pets
ok, 55+, Veranda Springs, Parrish, Best Offer, 941-773-8182.
22T
real estate
Check rates daily at http:
ADVERTISEMENT
Mortgage Guide
Program
Rate
Points
Fees
FIRST FEDERAL SAVINGS BANK OF BOSTON
% Down
APR
941-351-5264
http://mariannej.firsteastern.com
30 yr fixed
20 yr fixed
15 yr fixed
10 yr fixed
OFFICE/PROFESSIONAL SPACE
OFFICE SPACE FOR RENT
$1200-$1500 a month (depends
on lease) 3512 14th Street West
Bradenton, FL 34205
Includes large reception area,
2 offices, 2 baths & kitchen. Hi
traffic, parking, stand-alone
building. Perfect for Insurance,
real estate, taxes. 941-748-5224.
INDUSTRIAL/WAREHOUSE
1 MO. FREE RENT! w/lease.
Workshop/ Storage/ Lite Mfg
300/600/1200. 941-755-8933
34203
WHERE ON EARTH can you buy,
sell or find almost anything? The
Herald Classifieds of course! It’s
the marketplace of choice!
REMEMBER GRANDMA’S
FEATHER BED?
Estate Furnishing, class 1375
may have one just like it!
CONDOS/VILLAS
LOOKING FOR THE
ROYAL TREATMENT??
CONDO QUEEN
BUYERS WANTED!
I have many great
listings for you.
Subscribe
Today!
3.250
3.250
2.500
2.500
0.000
0.000
0.000
0.000
(C) 616522
$1342
$1342
$1342
$1342
20%
20%
20%
20%
3.336
3.372
2.645
2.713
NMLS# 756258
LENDERS, TO APPEAR IN THIS MORTGAGE FEATURE CALL BANKRATE.COM @ 800-509-4636
Legend: The rate and annual percentage rate (APR) are effective as of 5/2/13. © 2013 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 origination. 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. 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. • http://bradenton.interest.com
HIGH NATIONAL DEPOSIT YIELDS
These were the highest yields available among U.S. banks surveyed by
Bankrate.com® as of April 30:
LOWEST BRADEN
Phone
Min. $ to
earn int.
Yield
(APY)
877-505-9926
877-505-1933
877-484-2372
866-264-1214
866-226-5638
25000
250
2500
5000
25000
1.00
0.85
0.85
0.85
0.85
Colorado Federal Savings Bank
Doral Direct
The National Republic Bank of Chicago
Ally Bank
AloStar Bank of Commerce
877-484-2372
855-513-6725
312-738-4900
888-906-2559
877-738-6391
5000
500
1000
0
1000
1.00
0.96
0.95
0.94
0.85
Nationwide Bank
First Internet Bank of Indiana
AloStar Bank of Commerce
Discover Bank
Ally Bank
866-353-4291
888-873-3424
877-738-6391
888-728-3151
888-906-2559
500
1000
1000
2500
0
1.60
1.60
1.55
1.55
1.54
MMA/Savings account
CIT Bank
ableBanking
Colorado Federal Savings Bank
Mutual of Omaha Bank
GE Capital Retail Bank
1-year CD
5-year CD
These were the lowest loan rates available am
Bankrate.com® as of May 2:
Home equity loan
BB&T
Wells Fargo
New car
Bank of America
BB&T
Wells Fargo
Used car
Bank of America
BB&T
Wells Fargo
Home equity loan: fixed rate, 5-year term, sec
New car: $22,000 fixed rate, 48-month term,
$10,000 fixed rate, 36-month term, 20% dow
requirements. For more rates visit www.Bank
Your new home is just a click away!
Home searching made simple.
CALL JUDY McCAULEY
Direct Line
758-JUDY (5839)
condoqn@aol.com
060171
real estate
23T
• Gated, Maintenance Free Community • Nestled along the Serene Braden River
in the Hub of University Parkway • 3 Minutes to Shopping, Dining and Theaters
• Close to Main Street Lakewood Ranch and Sarasota • Convenient to Beaches
• A Natural Gas Community • Stainless Steel Appliances • Wood Cabinets
* See Sales Associate for Details and Restrictions.
• Granite Counter Tops • Tile Roof • Brick Paver Driveway ...and the list continues
059912
Riva Trace 7515 Rio Bella Place • University Park, Florida 34201 • www.MedallionHome.com (941) 360-2053
24T
real estate
11014 Big Bass Pl
#A3970644
$729,900
Howie Drourr
East County
941-907-9595
941-812-6476
15454 Mulholland Rd
#A3976938
$423,000
Sandra Maslen
Parrish
941-907-9595
941-726-0035
5111 55Th Street W Cir
#M5833409
$399,000
Leah Secondo
Bradenton
941-748-6300
941-545-4430
15914 33Rd E Ct
#M5836108
Cheryl Roberts
$389,900
Parrish
941-748-6300 2419 Landings Cir
941-266-1450 Elizabeth Gardini
Bradent on
941-356-0096
#M5822907
$1,799,000
941-748-6300
OUR GLOBAL AFFILIATIONS
showcase your property
to over 6,500 affiliate branches
6438 Watercrest Way # 303 Lakewood Ranch
#M5837287
$360,000
941-907-9595
Bill Weed, PA
941-928-9997
7711 Latrobe Ct
#M5837343
Marcia Frost
$359,000
Lakewood Ranch
941-907-9595
941-812-8493
6518 Oakland Hills Dr
Lakewood Ranch
#A3977668
$339,900
941-907-9595
Anita Shelare
941-232-6670
2605 65th E St
#M5835636
Kathy Valente
$325,000
Bradenton
941-748-6300
941-685-6767
in 52 countries
2925 Terra Ceia Bay Blvd # 2201
Palmetto
#M5825884
$295,900
941-748-6300
Dana Preston
941-705-5510
4849 Remington Dr
#M5837399
$264,900
Jonnie Dwyer
Sarasota
941-907-9595
941-812-6283
9712 Sea Turtle Ter # 201
#M5834975
$249,900
Mary Fiorini
East County
941-907-9595
941-526-6755
11766 Forest Park Cir
#A3976637
$245,000
Pamela Charron
Bradenton
941-951-6660
941-993-3388
3419 57Th Avenue W Dr # 3419 Bradenton
#A3972898
$229,000
941-752-2683
Adam Cuffaro
941-812-0791
1203 Spoonbill Landings Cir
#M5837400
$229,000
Peggy Horlander
Bradenton
941-748-6300
941-932-7199
6314 36Th W Ave
#M5837272
$153,900
Debbie Capobianco
Bradenton
941-748-6300
941-704-2394
4540 Park Lake N Ter # 19
#M5836397
$136,000
Karen Enis
Bradenton
941-907-9595
941-224-0297
RENTALS
7010 Belmont Ct
Robin Bowman
Lakewood Ranch
941-779-5000
#A3971043
2403 12Th W Ave # 1
$1,050,000 #M5837282
$74,900
941-907-9595 Maria Christenson
314 Winding Brook Ln # 103
#M5837180
$3,000
Laurie Rastovski
Bradenton
941-748-6300
941-345-9080
4287 Reflections Pkwy
#A3976643
Debbie Lane
Sarasota
$1,700
941-552-4200
Search for properties from your smartphone
hone at
Bradenton 941.748.6300 • Lakewood Ranch 907.9595 • IMG Academies 752.2682
059855
ON THE GO?
Bradenton
941-748-6300
941-920-3583

openhouses - Bradenton Herald

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