Fall 2015 - Greater Pittsburgh`s New Home

Transcription

NEWHOME
Fall 2015
Current Housing Trends
Pittsburgh’s Homebuilders
Finance
Know before you owe!
The Rivers Edge
Beachfront property
in Oakmont
T.D. Kelly Company
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what’s inside
NEW
HOME
05
FALL 2015
Publisher’s Message
Pittsburgh’s
Homebuilders
Looking for a
homebuilder? These
homebuilder listings
are for newcomers,
current residents and
all professionals in our
residential real estate
business community.
The best our region has
to offer!
36
06
What’s
Trending In
Our Housing
Market
The financial crisis
is still the genesis of
many of our current
trends. Combined
with changing
attitudes of Millennials
and Baby Boomers,
financial realities, a
supply shortage and
demographics, our
market is set for some
unconventional trends
for the 2020s.
16
Know Before
You Owe
Replacing good
faith estimates with
new truth-in-lending
disclosure forms.
22
Project Profile
The River’s Edge
of Oakmont
This site has a rich
history, a great
location on the water
and walkability to
restaurants, shops
and the vibrant
business community of
Oakmont.
28
Builder Profile
T. D. Kelly
Company
Maintaining low
overhead and efficient
operating costs, while
focusing on high
finishing detail and
solid construction has
established T.D. Kelly
as an excellent value
in the luxury home
market.
41
Residential New
Construction
Listings
New residential
developments,
locations and home
sites. Discover a home
to match your lifestyle!
www.greaterpittsburghnewhome.com
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4 GREATER PITTSBURGH’S NEW HOME
| Fall 2015
Publisher’s Message
PUBLISHER
Kevin J. Gordon
kgordon@carsonpublishing.com
GRAPHIC DESIGN
Jaimee D. Greenawalt
PRODUCTION
Carson Publishing, Inc.
design@carsonpublishing.com
CONTRIBUTING WRITERS
Jeff Burd
Melissa McKrell
Linda Simon
Sarah Tuthill
CONTRIBUTING PHOTOGRAPHERS
Michael Haritan Photography
Millcraft Realty Services
Dan Chmill
Costa Homebuilders
Rothschild Doyno Collaborative
Howard Hanna Real Estate Services
T.D. Kelly Company
Brooks & Blair Homes
Carson Publishing, Inc.
Weaver Homes
Eddy Homes
ADVERTISING SALES
Kevin J. Gordon
412-548-3823 X202
kgordon@carsonpublishing.com
SPECIAL THANKS
Celeste Begandy from Millcraft Investments, Tim
Kelly and his staff at T.D. Kelly Company, John
Thompson and Dan Mancosh from Brooks & Blair
Homes, Mike Henry at Dollar Bank Residential
Lending, Dave Green of First National Bank, John
Carroll at Howard Hanna Mortgage Services,
Greg Peluso from Heritage Security and Service
Company, Builders Association of Metropolitan
Pittsburgh, Coldwell Banker Real Estate, Dollar
Bank, Heartland Homes, Howard Hanna Real
Estate Services, Northwood Realty, Ryan Homes
and Berkshire Hathaway HomeServices.
SUPPLY AND DEMAND
T
he aftermath of the financial crisis of 2008 is still affecting our housing
industry and the American homeowner. Our younger generation have very
different expectations on how they view housing now and how it exists with
their lifestyle choices. This financial crisis left too many houses for buyers
which caused plunging values and changes in our mortgage market. Credit caution
tightened lending and it was harder to afford a home and harder to qualify for a
mortgage. These realities helped create a boom for apartment living, a new construction
supply shortage and demographics that have changed housing demand.
Read how these trends and new expectations have set the stage for interesting changes in
housing construction.
When I started Greater Pittsburgh’s NEW HOME in Fall of 2005, our goal was to create
a comprehensive source of market information for newcomers, current residents and
professionals in our residential real estate community. Our editorial content presents the
best our region has to offer in new housing communities and individuals that showcase
homebuilding and remodeling projects for today’s consumer. To that end, this issue
of NEW HOME presents Pittsburgh’s Homebuilders, an annual listing of regional
homebuilders designed to showcase products and services available in our region. These
professionals are passionate about their industry and are assets to our growing regional
community.
MORE INFORMATION
Greater Pittsburgh’s NEW HOME is published
quarterly by Carson Publishing, Inc., 500
McKnight Park Drive, Pittsburgh, PA 15237;
412-548-3823
No part of this magazine may be reproduced without
written permission by the Publisher. All rights reserved.
This information is carefully gathered and compiled in
such a manner as to ensure maximum accuracy. We cannot, and do not, guarantee either the correctness of all
information furnished nor the complete absence of errors
and omissions. Hence, responsibility for same neither can
be, nor is, assumed.
Also in this issue of NEW HOME, read about the new beach front development along
Allegheny River in Oakmont. This neo-traditional neighborhood is attracting much
attention because of its closeness to the river and its enhanced feeling of connectedness
to the Oakmont community. There is something for everyone, from upscale apartments
to townhomes to attached and unattached single-family homes. Phase 1 broke ground in
the Fall of 2014.
Let me also introduce you to Tim Kelly and his staff at T. D. Kelly Company. The
son of a brick mason, Tim has been building homes since 1980. Minimizing stressors,
responding to concerns, advising when asked and advocating for his clients’ interests is
what draws customers in and keeps them coming back. T.D. Kelly is currently building in
Meredith Glen, Chatham Court and Wakefield Estates in Adams and Mars Townships.
Until next time... Remember, before you buy, build or remodel, Greater Pittsburgh’s
NEW HOME is required reading!
About the cover: A Michael Haritan photo
of Millcraft’s Riverview Apartments in
Downtown Pittsburgh.
Kevin J. Gordon
5
Economic cycles roll over every seven to ten years. It’s been that way in the
American economy at least since the industrial revolution changed how people
worked and where they lived. The many growth-and–recession cycles have an
impact on housing – usually because a downturn has an impact on credit – but
by and large the housing market is steady. It takes a truly unusual economic
change to make a big impact on housing.
| Fall 2015
WHAT’S TRENDING
IN OUR
HOUSING MARKET?
Photography by Michael Haritan.
7
T
he Great Depression was one
such traumatic event, as was the
post-World War II Baby Boom
and flight to the suburbs. Some 60
years later, loose government credit policy
created an unprecedented housing bubble
and then a crisis unlike any since the
Depression. The economic and regulatory
aftermath of the financial crisis of 2008
was a seismic shift for the housing industry
and the American homeowner. Against
that economic backdrop, a young generation entered adulthood with very different
expectations for how housing would serve
their lives. This socioeconomic tsunami has
created a housing market that has defied
conventional rules of supply and demand
since 2010 and has set the stage for some
unconventional trends for the 2020s.
The financial crisis was the genesis of
many of the current trends. The housing
bubble left too many houses for buyers,
which caused plunging values and led to
chaos in the mortgage market. In reaction,
regulations and credit caution tightened
lending severely. Even as lending conditions have eased, regulations for lenders
have tightened. It was harder to afford a
home and harder to qualify for a mortgage. Combined with changing attitudes
of Millennials and retiring Baby Boomers,
the new financial realities created a boom
for apartments, a supply shortage that has
reached a critical level, and demographics
that will alter housing demand. And as all
these trends coalesce, the stage will be set
for a new suburban housing boom.
The Apartment Boom
Whether you live in metro Pittsburgh or
another city in the U.S., it’s likely you’ve
noticed that new apartments are springing up all over. While it’s easy to trace the
apartment boom to the mortgage crisis and
recession, there are actually several other
factors driving the demand for multi-family
living.
A wrenching crisis like the one that rocked
the world’s economies in 2008-2009
| Fall 2015
certainly slows down the development and
construction of new housing, especially if
that crisis was caused by overbuilding and
lending to unqualified borrowers. There
is a difference between a slowdown and a
shutdown, however, and those lenders and
developers that survived the financial crisis
continued to operate as the recovery began.
Lenders still needed to make their cash
work for their depositors and investors and
by 2010 the most attractive place to put
money to work was in apartment projects.
While homebuilders dramatically overbuilt
during the mid-2000s, the need for new
housing didn’t go away after the crisis.
America’s population continued to grow by
three million people every year and those
people needed a place to live. Since singlefamily homes were either losing value
or were too difficult to finance, people
needing housing looked to rent instead.
Millions of people lost their homes in the
recession, but that just meant millions
more looking to rent. This surge in apartment demand made developing apartments
a winning proposition, which attracted
lenders. By 2011, lenders were hungry for
apartment projects and developers were
jumping into the market with both feet.
Here in Pittsburgh, there hadn’t been the
housing bubble that was experienced in
California, Florida or Las Vegas. Prices
didn’t spike and therefore didn’t plummet.
But the credit conditions and lending regulations are influenced by national events
more than regional conditions, so apartments became more attractive to developers
in Pittsburgh too. Just as influential as the
market conditions were to apartment development, a cultural phenomenon called
New Urbanism helped kick-start multifamily projects in Pittsburgh.
New Urbanism is a movement that values
community and sustainability over space
and privacy. Those that were attracted to
the New Urbanism movement were looking for proximity to culture and wanted
an environment where they could live,
work and play without getting in a car
to do each. New Urbanism looks at land
and resources as finite, even in areas where
land is available, and its followers value the
frugal use of land that comes from denser
living arrangements. As single-family
development became more difficult, more
and more Pittsburghers were attracted to
city living. What those interested in urban
living found in Pittsburgh was a city ripe
for development.
Population in the City of Pittsburgh had
declined for three decades prior to the turn
of the century. That left prices for land and
buildings lower than the suburbs and lower
than comparable cities. City and county
government had created incentives for
urban development, making projects in the
city that much more profitable. Pittsburgh
also had an inventory of large factories and
warehouses that adapted well to multifamily re-use. The stage was set for some
interesting changes in construction.
Millcraft Investments is a Washington
County-based developer that was instrumental in the success of Southpointe in the
1990s. By the time of the 2009 recession,
Millcraft was shifting its focus towards
Pittsburgh, looking for opportunities to
“He was looking at
other cities where people
were moving back to
downtowns. Pittsburgh
was behind the curve
on that. In Cleveland
and Columbus they
were already having
success at revitalizing the
downtowns,” says Andrea
Bonivich, a residential
broker for Millcraft.
repurpose some of those large but outdated
older buildings. Its CEO, Lucas Piatt, had
seen the impact of New Urbanism in other
cities and was convinced it would work in
Pittsburgh.
“He was looking at other cities where
people were moving back to downtowns.
Pittsburgh was behind the curve on that. In
Cleveland and Columbus they were already
having success at revitalizing the downtowns,” says Andrea Bonivich, a residential
broker for Millcraft.
Over the next few years, Millcraft undertook some risky projects, converting the
former Lazarus store on Wood Street into
the Piatt Place Condos and repurposing
seven buildings along Fifth Avenue and
Market Street into the Market Square
Place Apartments. The company’s biggest
roll of the dice was purchasing the former
16-story State Office Building to convert it
into 218 luxury apartments. The success of
these projects was a key to the resurgence of
Market Square and the ultimate revitalizawww.greaterpittsburghnewhome.com
9
tion of the Fifth/Forbes corridor. Making
the projects work was difficult, however,
and many observers thought that Millcraft
had misjudged the market. Piatt never wavered from his vision of a new downtown
neighborhood.
“Lucas said that if people are laughing at
you and calling you crazy, you’re probably
doing the right thing,” chuckles Bonivich.
Millcraft’s projects were early examples of
dozens of apartments that were developed
in Downtown and the urban fringe. That’s
a wave that continues today.
As of October 1 there were roughly 4,800
multi-family units in the planning pipeline,
meaning proposed but not under construction. If completed, these projects would
bring the total number of apartments
added to the building stock during a threeyear period to roughly 11,000. During the
same period, only 8,000 new single-family
units were built. That’s a complete reversal
of the historical norm.
In metropolitan Pittsburgh, during the
time period that the Great Recession
impacted the housing market most (20082012), there was an average of 1,811 new
single-family detached permits per year and
an average of 1,266 attached or multifamily units. Traditional single-family
construction made up 58.8 percent of the
starts, which was roughly comparable to
the 63.7 percent share for single-family
during the years 2000-2005. But the boom
in apartments since 2012 has changed the
market share dramatically. In 2013, only
36 percent of all dwelling units started
were single-family detached and last year
the share only grew slightly, to 40.4
percent. Through the first three quarters
of 2015, the share of single-family has
declined again to 36.9 percent.
While some bankers and builders are beginning to worry about apartments getting
overbuilt, there is evidence that demand for
housing is still growing and may actually
still be outstripping supply.
The existing housing stock in metropolitan
Pittsburgh correlates one-to-one with the
number of jobs, at around 1.07 million.
It’s logical that one job would result in one
new household. With that metric understood, the 11,000 new jobs in 2014 should
have created demand for 11,000 new
dwelling units, a figure that is more than
twice the 4,873 units started. Job creation
is up roughly 20,000 year-over-year; yet
only 3,451 units have started thus far in
2015. There isn’t a one-to-one relationship
of jobs and housing starts in any given
year, of course, but over the course of five
years or so, the correlation should be true.
Instead of that being the reality, there is a
significant shortfall in new housing for the
jobs created.
Certainly some of the demand for apartments is coming from the younger cohort,
the so-called Millennials, who have been
attracted to the region by the growth in
natural gas and high technology companies
working in Pittsburgh. That generation
came of age during the mortgage crisis
and does not possess the same investment
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mentality about home ownership that
other generations have. But it’s also clear
that some of the growth in multi-family
and other attached housing products is due
to the supply problem, only part of which
can be traced to pent-up demand from previous under-building. What used to work
for the traditional single-family development simply won’t work today. This trend
is leading the Pittsburgh market to a place
that would have been scarcely imaginable
ten years ago: a housing shortage.
The Supply Bust
While part of that supply problem is
rooted in the lingering aftereffects of the
mortgage crisis, there was also a coincidental shift in environmental regulation
that was beginning to slow development
before the financial crisis. The latter trend
had already impacted Pittsburgh before the
recession.
“The problem across the nation is that
the availability of lots and the ability
to develop land is severely restricted by
government regulations on how much land
can be developed. That limits the number
of lots and drives up the lot cost,” says Jim
Eichenlaub, executive director of the Builders Association of Metropolitan Pittsburgh.
“That, coupled with the regulations on
financing and appraisals, has had a severe
impact on who can finance and develop
land. That’s on a national basis but clearly
we’re seeing that [in Pittsburgh] too.”
Eichenlaub notes that one of the effects of
this trend is that suburban development
has become more difficult and helped steer
development to the urban centers, where
development of dense and often decaying
areas are receiving government subsidies to
entice new projects.
One significant impediment to development that is not related to market conditions or regulations is the topography of
Western PA. As you might expect, builders
develop flat land first and work with more
challenging sites as flat land is exhausted.
In a mature city like Pittsburgh, suburban
sprawl has long since overtaken most farms
within a half-hour commute and growth of
new construction over the past two decades
has absorbed most of what we describe as
“Pittsburgh flat.” That leaves steep sites
that are difficult to develop, leave a lower
ratio of usable land for lots, and drive the
cost of what’s built higher.
This reality has created a higher premium
for new construction than the market is
accustomed to seeing and has made new
construction for first-time buyers untenable. Topography is also dictating higher
density for suburban development, meaning townhomes. That’s another trend that
Pittsburgh buyers haven’t yet embraced in
large numbers.
Another factor influencing development
has been the merger of Heartland Homes
with NVR Inc. The marriage of the region’s
two largest builders created an entity that
attracts more than 40 percent of the new
homebuyers and is a selling machine. That
makes the NVR companies more attractive to residential developers, who logically
prefer creating a community that might be
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| Fall 2015
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sold out in two years or less instead of one
that may take five-to-seven years.
The makeup of the residential development
community in Pittsburgh has also had a
slowing influence on new construction.
Scott Blodgett, CEO of Infinity Homes,
started his company in early 2013. He has
hustled to find land and available lots as he
has built Infinity over the past two years.
Blodgett sees the reluctance to develop
multi-builder custom home communities
as a risk-averse business strategy.
“Inventories go down almost every month
from the previous month. Part of that is
that when homes come on the market they
sell so quickly,” says Howard “Hoddy”
Hanna III, CEO of the region’s largest real
estate company. “In almost every market
we serve, it’s the same. Remarkably, it’s
across every price range.”
There will certainly be some winners if
demand stays ahead of supply but the
net effect for the region isn’t positive. For
homeowners, short supply means that the
value of their homes will rise more sharply
quickly remedied. Municipal entitlement,
state approvals and environmental regulations make the development of land for
housing a two-year process. That’s the bad
news. The good news is that developers, including some new entities, began reacting
to the lack of supply a year or so ago.
New subdivision entitlement is up in a
number of communities, especially those in
high demand or that are flexible in approving higher-density projects. The cost of
development is still a problem so projects
that combine townhomes or apartments
“A lot of the bigger
developers from back
in the day have become more conservative,” Blodgett notes.
“When they were
younger, they were
more willing to take a
risk to make a profit.
Now they are closer
to retirement and
not willing to take as
much risk.”
For those developers
willing to take the
risk of undertaking
a residential project,
there has been a
much less friendly
borrowing environment. While rates
have been historically
low, most banks have
had to work a few –
or more than a few
– bad residential developments off their
balance sheets since the mortgage crisis.
While those deals are all essentially gone,
the regulations that followed the crisis
have made it unappealing for lenders to
do residential development. It’s one more
impediment to new housing projects.
Absent new development and with a
strong, stable economy, the Pittsburgh
region is facing a serious supply problem
for housing. The economy isn’t forcing
existing homeowners into relocation and
new residents are finding little options for
home ownership.
every year. For apartment owners, the
lack of single-family inventory will mean
continued occupancy and higher rents. For
renters, a shortage means higher rents and
fewer lifestyle options. This upward cycle
will make new construction more affordable at some point but until that happens,
a shortage of housing will erode one of
Pittsburgh’s principal lifestyle advantages:
its affordable housing.
Market forces ultimately will react to the
supply/demand imbalance and create opportunities that developers and builders
will exploit. But unlike a scarcity of some
consumer item, a housing shortage isn’t
with traditional single-family lots are more
viable and offer first-time buyers an alternative community. The higher costs have
pushed development another step further
out from the current suburbs. Plans for
new communities in places like Jackson,
Lancaster and Lancaster Townships north
and east of Cranberry area have been approved and new homes have been under
construction for a year. Projects in these
Butler County communities are happening on flatter, cheaper land and are making
homes more affordable. Thus far, it appears
that buyers are accepting the extra five or
ten minutes of commuting to save a few
dollars on their mortgages.
13
“With the completion of the Little Creek
Road exit, the area north of Cranberry
is very accessible for a commute,” notes
Bill Weaver, president of Weaver Homes.
“It’s only an eight minute drive from that
exit to the Route 228 exit in Cranberry.
If people thought of that far north as the
hinterlands, it’s just not the case.”
Weaver, who has successfully developed
quad and single-family neighborhoods recently at Bellevue in Cranberry Township and Vista Ridge
in Adams Township, has secured
land in Lancaster Township and
is looking at property in Jackson
Township. The Lancaster property
is on a hill west of the iconic Log
Cabin restaurant just north of
Harmony. Weaver sees the highway
and infrastructure improvements as
keys to unlocking the area between
Zelienople and Portersville.
then that there would be a stock market
crash in 2008 when the average Boomer
reached a more conservative age and began
pulling money out of the market. While
Dent’s reasoning about the 2008 crash was
wrong, his assumptions about the power
of the huge demographic activity were spot
on. For those wondering about the future
trends in housing, the demographic trends
hold the key.
“For the next decade or so, that’s
where the action in Butler County
is going to be,” he predicts.
There is at least one new suburban
community that is looking to buck
the high-cost trend by building
in an urban style. Former Heartland Homes CEO Marty Gillespie
and his development partners are
proposing Pine Creek, a 250-260
home neighborhood across from
Pine Richland High School in Pine
Township. Pine Creek will offer
smaller Craftsman-style homes and townAs an example, in the early 1970s, when
homes on smaller lots. Gillespie expects
a large share of the Baby Boomers were in
to take three-to-five years to complete the
project and is counting on shifting demand their prime renting years, the U.S. saw the
largest multifamily construction boom in
from different demographics to buy his
its history. Then, in the late 1970s, when
more traditional American project. From
rising numbers of Baby Boomers hit their
a demographic standpoint, the timing
30s and they began buying houses in larger
couldn’t be better.
numbers, the U.S. saw the largest singleThe Demographics of the Future family construction boom of any time until
the mid-2000s. For futurists, there are few influences stronger than demographics. Author and investThe maturation of Millennials, retirement
ment guru Harry Dent wrote The Great
of Boomers and increasing number of
Boom Ahead in 1993, predicting the ecoHispanic Americans will drive household
nomic surge of the late 1990s and 2000s
formations and housing trends over the
that would result from the wealth accumunext 15 years, according to two national
lation of the Baby Boomers. He concluded
associations.
| Fall 2015
The Mortgage Bankers Association (MBA)
expects between 13.9 million and 15.9
million of additional households will
be formed by 2024. The MBA report,
titled “Housing Demand: Demographics and the Numbers Behind the Coming
Multi-Million Increase in Households,”
predicts that household formation and
expected related housing demand will be
driven largely by Hispanics, Baby Boomers
and Millennials. This new market
will be one of the strongest prolonged housing markets in history,
demanding between 1.5 million and
1.7 million new units over the next
nine years. That’s a huge increase in
demand compared to the 820,000
units averaged annually since the
2008 crisis.
Steadily gaining in demographic
influence, minority Americans are
expected to impact the market for
rentals, according to the Urban
Institute. Over the next decade, a
greater share of household formations will be minorities, whose
history is skewed towards renting rather than home ownership.
The Urban Institute predicts that
a majority of the 22 million new
households formed in the U.S.
between 2010 and 2030 will move
into rental housing.
Urban Institute also predicts that
within the minority demographics,
Hispanic Americans will have the
largest share of household formations. The
MBA forecast is for an increase in household formations by Hispanics of more than
five million units by 2024. As Hispanic
and minority voters become more influential in electoral politics, Urban Institute
expects to see public policy enacted that
eases credit for increased home ownership
for minorities, which have a wealth gap
from non-minority borrowers. Such policies would spark demand for new homes.
As might be expected, Baby Boomers will
impact the market dramatically, as that
generation retires and ages. The MBA
forecasts an additional 12.3 million to 12.9
million new households for those over 65
years old. Because Boomers made such dif-
ferent lifestyle choices than previous generations – and has more wealth to support
itself – more retirees are expected to choose
a new place to live than previous pensioners. Boomers built the “McMansions” of
the previous decades and are accustomed to
having living quarters that reflect their current lifestyle needs. That means moving to
different housing, although not necessarily
downsizing in the traditional way. It also
means a boost for new construction.
“If you’re empty nesters looking to do
what my sister Helen [Hanna Casey] calls
right-sizing, you want to do new construction. You don’t want to go from say a 2,500
square-foot house that is 20 years old to a
2,000 square-foot house that’s also 15 or
20 years old. You want new,” says Hanna.
Hanna notes that the “right sizing” phenomenon often results in the homeowners going into a house that is roughly the
same size as the one they are leaving (thus
the change from “downsizing”) but with a
layout that better meets the needs of their
lifestyle. More often than not that means
that a custom design is needed as a solution to the buyer’s updated needs. In the
current market conditions, there are few,
if any, custom options out there because
there have been fewer lots available for new
construction.
Barrington Homes is one of those custom
homebuilders that have seen its business
grow during the recent slowdown. Barrington’s founder, Mark Heinauer, says his
clientele is spread across all demographic
groups so that he hasn’t experienced an
increase from the “right-sizers” but he has
seen a bump from buyers who have the life
experience that can inform decision-making.
centers. This history is why the Urban
Institute is predicting that there will be
demand for 2.5 million more apartments
than normal during the next decade.
As influential as the Baby Boomers have
been, their children are likely to be even
more impactful, if for no other reason
than their sheer size alone. Millennials are
already the second largest cohort in the
workforce and will overtake Baby Boomers
before 2020. The influence of how younger
people work is already being felt in how
offices are designed. Their desire for more
open, sustainable and collaborative space
has made offices smaller and greener. Millennial aversion to home ownership is already driving part of the apartment boom.
But it is their impending parenthood that
is the next big trend.
One of the world’s largest commercial real
estate firms, CBRE, conducted an extensive
survey in 2014 to research what it saw as a
dramatic change in office usage in recent
years. Like many observers, CBRE concluded that the work habits of the Millennials were changing what an office looked
like. Buried in the research, however, were
some details that shine light on how this
younger generation thinks. That thinking
was not as different as expected and it may
offer a window into how this booming
generation will act as it matures.
“Because we design our own houses, we
have people come to us in that [emptynester] age bracket that we can create a custom home for,” Heinauer explains. “They
aren’t necessarily building smaller but are
building exactly what they want.”
For example, Millennial workers replied
that they wanted space for quiet, focused
work nearly as often as did Baby Boomers or Gen X-ers, with 86 percent looking
for private space compared to 91 percent.
More surprising was the fact that Millennials were looking for more formal meetings
(54 percent) than informal collaboration
(51 percent) and were the lowest respondents looking for interaction through social
media (30 percent). In fact, Millennials
were twice as inclined towards formal
meetings as Baby Boomers. For all of their
alleged differences, Millennial workers may
not be all that different.
The over-65 crowd is also expected to
help provide after burners for the multifamily market. Like minorities, retirees
have historically made up a larger share of
the rental market, especially within urban
What does this mean for the housing market? Well, for one thing, it means that the
largest generation now living in America
isn’t all that different from its predecessors.
While cultural and financial factors may be
influencing more renting than buying and
delaying marriage and child-rearing among
18-to-35 year olds, it’s more likely than not
that Millennials will buy homes and raise
children to the same extent as other Americans. That’s good news for an industry that
has been under achieving for a decade.
As the next decade unfolds in Pittsburgh,
the evolution of retiring Baby Boomers
and maturing Millennials could impact
the urban area significantly. Retirees have
historically been the drivers of New Urbanism but the lion’s share of residents in the
new Pittsburgh apartments has been under
the age of 35. That means that those new
residents are growing accustomed to the
lifestyle amenities of neighborhoods like
Downtown, East Liberty and Shadyside.
Many have chosen these neighborhoods
because they are close to jobs in Pittsburgh’s emerging technology and life sciences industries. When those same young
people begin to have children, the attraction to the lifestyle amenities is likely to
be an incentive to buy a home nearby. But
that motive will clash with one that has
historically driven home-buying decisions:
the desire to provide the best education for
their children.
Perhaps no motive has been stronger for
suburban growth over the decades than
the draw of better schools. Whether it’s
perception or reality, the Pittsburgh Public
Schools aren’t viewed as one of the region’s
best educational systems. That leaves
parents with the options of a less desirable
education, private school tuition or relocation to a suburban school district.
Will Millennial parents feel the draw of
urban living stronger than the obligation
to educate their kids in the best place possible? It’s possible of course but, like with
their workplace choices, it is more likely
that Millennials will choose parental instinct over lifestyle. In fact, history suggests
that it’s most likely that tomorrow’s parents
will choose to raise their children in a place
like where they were raised. That’s good
news for the homeowners in communities
like Mt. Lebanon, Upper St. Clair, Hampton Township and the like. NH
15
“Know Before You Owe”
| Fall 2015
Lenders React to New
Mortgage Disclosure
Regulations
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Plain language, a little
less paperwork, and new
ways to compare and understand your mortgage—
these are the results of
the federal government’s
brand-new makeover of
the settlement process. On
October 3, lenders across
the country implemented TRID
(TILA-RESPA Integrated Disclosures), two forms that replace
the good faith estimate, the
truth-in-lending disclosure, and
the HUD-1 settlement form.
56789
Those in the lending industry say that the new “Know Before You Owe” forms
are a win for consumers, who previously had to wade through overlapping and
confusing documents about their loan terms. But the changes have been anything
but simple for bankers, who are still working furiously behind the scenes to roll
them out. New Home Magazine spoke with local lenders to explain why two simple
documents are making waves throughout the industry—and what that means for
homebuyers.
17
Introducing the Loan Estimate
and Closing Disclosure
First, why the introduction of two new
forms at all? The answer lies in decades of
gridlock resolved by the Consumer Financial Protection Bureau (CFPB), which was
created by the Dodd-Frank Wall Street
Reform and Consumer Protection Act in
2010. The CFPB was tasked with creating
a single mortgage disclosure that met two
separate statutes, the Truth in Lending Act
(TILA) of 1968 and the Real Estate Settlement Procedures Act (RESPA) of 1974.
Unifying these statutes had been a bureaucratic headache for years: in 1996, both the
Department of Housing and Urban
Development and the Federal Reserve
System acknowledged that they could not
combine the requisite forms under each
act without legislative action. As a result,
homebuyers encountered both the truthin-lending form (TILA) and good faith
estimate (RESPA) three days after applying
for a loan, and the HUD-1 (RESPA) during escrow.
Beginning in January 2011, the CFPB
worked for a year and a half with a small
communications firm in Washington, DC,
not only to slash the amount of TILA and
RESPA paperwork, but to go a step further
and design documents that suit the way
consumers digest financial information.
The bureau’s report of the work reads less
like a bureaucratic missive and more like
an enlightened plug for human-centered
design. In “Know Before You Owe:
Evolution of the Integrated TILA-RESPA
Disclosures,” it shares that the ultimate
goal was cognitive fluency, or “the ability
of the design to give average people the
confidence that they can read, understand,
and make decisions.”
“At one level, this project was about
designing disclosures—plain and simple,”
the report reads. “Yet nothing is plain or
simple about the consumers who will use
these disclosures. In truth, consumers, like
all of us, are widely different, frustratingly
indifferent to some information, naively
trusting at times, frequently unaware of
risks, and often willing to ignore anything
that seems overly complex. At the same
time, consumers are usually well-intentioned and want to make good decisions…
the concept of a ‘good disclosure’ cannot
be separated from a deep understanding of
consumers: who they are, what they need,
what they believe, and how they behave.”
The result? Just two forms, called the loan
estimate and the closing disclosure, which
were pilot-tested in ten cities across the
United States. In both forms, there is an
emphasis on showing which costs are fixed
and which can change over time.
The loan estimate is a three-page document
that shows the basic terms of the loan. In
a prominent table titled “Can this amount
change over time?” it supplies ‘yes’ or ‘no’
answers and supporting information on
how the interest rate, monthly principal and
interest, prepayment penalty, and balloon
payment will or will not adjust. A projected
payments table shows the amount the consumer would pay against the loan’s principal
and interest in years 1–5, 6–8, 9–11, and
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| Fall 2015
12–30. Tables called “other costs” and “cash
to close” clearly list all fees and services.
The closing disclosure is a five-page
document whose design mimics the loan
estimate, making it easier for consumers to
compare it to their estimated costs. In an
expanded cash-to-close section, a column
titled “Did this change?” supplies ‘yes’ or
‘no’ answers for types of closing costs and a
brief explanation for the change. A “summaries of transactions” section reworks
HUD-1 language to explain the distribution of funds.
How TRID Functions in
Practice, Not in Theory:
What Lenders Think So Far
“The forms are very good!” exclaims John
Carroll, Vice President of Compliance
at Howard Hanna Mortgage Services in
Greater Pittsburgh. “The loan estimate
isn’t anywhere near as confusing as the old
truth-in-lending form, which is like reading Greek.”
But, he says, where the rubber meets the
road is in implementation, echoing every
single expert interviewed by New Home
Magazine. Just before his interview, he
was painstakingly progressing through a
Mortgage Bankers’ Association webinar
that answered 27 new questions about
TRID. He jokes that these are the sorts of
“mumbo-jumbo” topics that matter only
to industry professionals, but which have
mushroomed because of a lack of clarity
and guidance around implementation.
“We’re replacing forms that have been
around since 1974,” he says. “They’ve
changed the whole language.”
Others agree: what is black-and-white to
the consumer hasn’t been at all as stark for
lenders and their partners.
“It’s not that clear-cut,” says Greg Peluso,
owner of Heritage Security and Service
Company in Aliquippa. He laughs: “My
wife is a real estate agent, and she keeps
asking me why I haven’t taught one of the
TRID classes yet. But I’ve been watching
-
800.382.9967
412.621.4700
f e at u r i n g
people teach them for a year, and what they
told us six months ago is no longer true.
I think everybody has the best intentions,
but we’re still watching to see how everyone interprets it.”
Peluso, who prepares settlement papers for
a wide variety of lenders, says that each of
his partners has a different take on who
should prepare and deliver the new forms,
and differ further on scenarios such as
refinancing or new purchases. But he is
pleased by how the new regulations will
prevent what he calls a “fire drill” for document preparation.
For transactions begun before October
3, it has been common for Peluso to get
HUD-1 paperwork from lenders just an
hour before closing. But now, the new closing disclosure must be in the homebuyer’s
hands at least three days before the closing,
preventing lenders from underwriting in
the final hour.
He clarifies, “I believe that my lenders were
always able to give pretty reliable good-
-
SHADYSIDE, PA
SHoPAtfEAtHErS.com
19
faith estimates. So it wasn’t like the buyer
would say, ‘Oh my goodness, I had no idea
about these costs.’ The costs were within
the ballpark. The main thing that’s changing is how soon the lenders react to have
paperwork for these transactions.”
Indeed, it’s the timing of when the new
documents are delivered that has preoccupied much of the industry.
“TRID compliance has required lenders to
evaluate and, in many cases, modify their
workflow at almost every point from application to close,” says David Green, Senior
Vice President and Director of Mortgage
Services for First National Bank. “Preparation has been felt by internal systems and
resources and vendor relationships, too.”
“TRID compliance
has required lenders
to evaluate and, in
many cases, modify
their workflow at
almost every point
from application
to close,” ...
Like Peluso and Green, Carroll is quick
to point out that while TRID is beneficial
for borrowers, it has
required all hands on
Closing Disclosure
deck from lenders and
Closing Information
their partners.
Date Issued
4/15/2013
“What most people
outside of the industry
don’t understand is
that even though this
appears to be only a
change in documents,
the reality is that because of the intricacies
of the rules, and the
requirements to produce the loan estimate
and closing disclosure
in a particular way,
it’s required mortgage
bankers and all lenders to overhaul their
entire operations for
who does what, when,
where, and how. It is
an exceedingly complex
rule.”
Take the loan estimate, for example.
It must be delivered
within three days of the
consumer’s application, which requires six
pieces of information:
the consumer’s name,
income, Social Security
number (so that the
Closing Date
Disbursement Date
Settlement Agent
File #
Property
Sale Price
bank can pull a credit report), the property
address, and the property’s estimated value.
It doesn’t matter if the consumer provides
this information on a form or through a
conversation; there must be a record of the
transaction, and the three-day rule applies.
“It’s an application in the sense that you
think it’s an application,” says Carroll.
Carroll’s division has hired additional personnel to process these applications, ensuring that forms not only arrive in a timely
fashion, but also meet new regulations for
clerical accuracy. One of TRID’s less visible
challenges has occurred post-settlement,
when applications must be reviewed for errors such as an incorrect property address,
or when the lender must remit a small
amount of money to the borrower because
a fee changed at closing time.
This form is a statement of final loan terms and closing costs. Compare this
document with your Loan Estimate.
Loan Information
Transaction Information
Borrower
4/15/2013
4/15/2013
Epsilon Title Co.
12-3456
456 Somewhere Ave
Anytown, ST 12345
$180,000
Seller
Lender
Michael Jones and Mary Stone
123 Anywhere Street
Anytown, ST 12345
Steve Cole and Amy Doe
321 Somewhere Drive
Anytown, ST 12345
Ficus Bank
Loan Terms
Loan Term
Purpose
Product
30 years
Purchase
Fixed Rate
Loan Type
x Conventional
FHA
VA
_____________
123456789
000654321
Loan ID #
MIC #
Can this amount increase after closing?
Loan Amount
$162,000
NO
Interest Rate
3.875%
NO
Monthly Principal & Interest
$761.78
NO
See Projected Payments below for your
Estimated Total Monthly Payment
Does the loan have these features?
Prepayment Penalty
YES
Balloon Payment
NO
• As high as $3,240 if you pay off the loan during the
first 2 years
Projected Payments
Payment Calculation
Years 1-7
Principal & Interest
Years 8-30
$761.78
$761.78
Mortgage Insurance
+
82.35
+
Estimated Escrow
+
206.13
+
Amount can increase over time
Estimated Total
Monthly Payment
Estimated Taxes, Insurance
& Assessments
Amount can increase over time
See page 4 for details
$1,050.26
$356.13
a month
This estimate includes
x Property Taxes
x Homeowner’s Insurance
x Other: Homeowner’s Association Dues
—
206.13
$967.91
In escrow?
YES
YES
NO
See Escrow Account on page 4 for details. You must pay for other property
costs separately.
Costs at Closing
Closing Costs
$9,712.10
Includes $4,694.05 in Loan Costs + $5,018.05 in Other Costs – $0
in Lender Credits. See page 2 for details.
Cash to Close
$14,147.26
Includes Closing Costs. See Calculating Cash to Close on page 3 for details.
CLOSING DISCLOSURE
| Fall 2015
PAGE 1 OF 5 • LOAN ID # 123456789
Changes in key loan
terms will also trigger
the delivery of a new
closing disclosure to
buyers, at which point
they must wait another
three days before the
closing can begin. That’s something of
a change, says Mike Henry, Senior Vice
President of Residential Lending at Dollar
Bank.
“If you’re trying to do a short closing, it
makes it more difficult. That’s one of the
things that has the real estate community
concerned.”
But, he cautions, not all of these changes
are dramatically different. Prior to TRID,
modifications to terms like the annual
percentage rate also required a waiting period of three days before the closing could
begin. Other time constraints, such as the
minimum requirement of seven days to
close, have been in place for a long time.
“A lot of the rules are fundamentally the
same,” he says. “There’s just more plan-
software systems, like Dollar Bank, didn’t
really have anything to do with the mortgage crisis to begin with.”
Henry believes that TRID is a positive improvement, but that it’s not going to turn
the housing industry upside-down.
“The problems with the housing crisis were
product-related, not document-related,” he
says. “If you’ve ever purchased a home, you
know there’s a pile of documents you have
to sign. This hasn’t changed the pile, it’s
just that some of the documents are a little
different.”
How TRID Has Widened the
Scope of Fee Estimates
TRID rules govern three types of tolerances:
zero tolerance, 10% cumulative tolerance,
“Before, we only had to quote our own
fees. But now, if it’s in the borrower’s
contract, we have to quote it,” says Carroll. “For example, we may be required to
estimate the cost of the property inspection
even though we don’t know the vendor
and we’re not requiring the inspection. So
our software has to anticipate these factors.
Some of this is good, but sometimes it’s a
little bit of a stretch.”
With these new challenges, lenders were
relieved when the original implementation deadline of August 1 was pushed back
to October 3, the result of pressure from
the mortgage industry and a bipartisan
congressional committee. Lenders have
also welcomed the CFPB’s grace period
for TRID enforcement, which promises to
provide “instructive guidance” and delay
penalties for companies acting in good
faith to implement TRID.
The enforcement delay is especially critical
because banks were not permitted to test
the TRID procedures ahead of time.
“We had to ‘turn on’ the software for the
first time on October 3, instead of running
the new rules early with a few loan originators and our teams,” explains Carroll. “So
we couldn’t see the issues that we could
have adjusted in advance. The result is that
situations have occurred that regulators
were not aware of.”
As lenders take on new staff to accommodate TRID, there is the possibility that fee
increases may be absorbed by homebuyers.
Consumers who are mortgage-shopping
may also experience delays as lenders work
to get up to speed.
ning that is going into the closing process.
And all of this planning is designed to keep
the bad lenders from taking advantage of
people. Of course, many of those lenders
aren’t in business anymore anyway. One
downside of the new regulations is that all
the lenders who are now changing their
and unlimited tolerance. The new regulations have narrowed some of the requirements around tolerances, putting the onus
on the lender to reimburse borrowers if a
fee changes at closing. But what has notably
changed are the types of fees that a lender is
required to list on the loan estimate.
“It is still very early in the roll-out process,
and we continue to evaluate the impact of
the recent changes,” says Green. “At First
National Bank, we are in close contact with
realtors and our service partners, and actually host regular seminars and workshops to
help our partners more fully understand the
new environment and how to succeed in it.
By working together, we have an opportunity to improve the home-buying experience
for our clients and to minimize any disruption they may experience as the industry
strives to comply with TRID.” NH
21
PROJECT Profile
The
River’s Edge
of Oakmont
| Fall 2015
PROJECT Profile
T
Living Elegantly Along
Pittsburgh’s Beach
he lyrics to a popular
song penned in the
1970s proclaimed that
“Everything old is new again.” That
notion captures an undeniable trend in
home building today known as neo-traditional or new urban neighborhoods,
with the latest such offering nestled on
a quarter mile parcel of land along the
Allegheny River at Oakmont. Called
the River’s Edge, this new riverfront
community blends the quaint feel of old
time Americana with convenient walkability to amenities and easy access to
Pittsburgh, all set against a backdrop
of scenic splendor. Developed by
Brooks & Blair with Rothschild Doyno
Collaborative serving as the architec-
tural firm, the River’s Edge embodies
the desire that, as the song continues,
“Dreams can come true, when everything old is new again.”
Given the interest in homes at River’s
Edge, that “dream” lifestyle is appealing to a wide range of folks. According
to Darlene Hunter, Vice President and
Regional New Home Manager, Howard
Hanna Real Estate Services, this neotraditional neighborhood is attracting
the attention of local residents as well
as garnering interest from those in the
eastern suburbs such as Monroeville,
Murrysville, and others. “Oakmont is
a lovely, charming area with the new
Hulton Bridge enhancing accessibil-
ity to Pittsburgh,” she said. “This has
relieved the concern about the area’s
access in terms of commuting to parts
of the city.” Further interest in the
River’s Edge has stretched far beyond
the southwestern Pennsylvania region.
“Those relocating from other parts of
the country are looking for this [neotraditional] type of living,” she added.
“They are more accustomed to this
type of neighborhood than those in our
region. There’s just a great amount
of appeal at River’s Edge for many
types of buyers.” She also sees this
concept of living in the planned community of River’s Edge as one exuding a quaint neighborhood feel with
the similar exterior’s look and charm.
23
PROJECT Profile
Developers John Thompson (L) and Dan Mancosh of Brooks and Blair Homes.
Tony Ferro, Howard Hanna Real Estate
Services – On Site Office for River’s Edge,
agrees. “The Oakmont location for this
project is blessed with a rich history, a
great location on the water, and the walkability to restaurants, shops, the library
or movies and the well-known Oakmont
Bakery - everything is at your fingertips.”
That also includes the renowned Oakmont
Country Club, noted as one of the five top
golf courses in the world and host to eight
U.S. Opens soon to include one scheduled
in 2016. Developer John Thompson, Principal, Brooks & Blair Homes, is no doubt
passionate about the River’s Edge project.
He harkened back to the days of the great
river towns in which industry hugged the
riverfront and homes, particularly larger
homes, populated the hills away from the
shoreline. Here, Edgewater Steel, a small
company producing wheels and more
for rail, aviation and aerospace industries
worldwide, shaped a way of life along the
Allegheny River and aided in the development of Oakmont as a model factory
town, according to local historians. After
a rich 85-year history, the plant closed its
doors in October 2001 with its buildings
demolished in 2005. What remained was
a large tract of land that was divided into
two sections for remediation and redevelopment for varied uses, including greener
| Fall 2015
residential neighborhoods. When both
Thompson and his partner, Dan Mancosh,
investigated the property that was once part
of the Edgewater Steel plant, “we thought
this was one of the last places with a waterfront that you could walk out to and dip
your toes in the water,” Thompson mused.
Indeed, as the Bell family, one of the first
and longest owner of Edgewater Steel,
had done - clearing a section of the plant
property for a small beach, adding a threehole golf course, a school and other, similar
amenities that contributed to a close-knit
family of workers - so too was that the
intent of Thompson and Mancosh for this
current project, only on a grander scale. In
PROJECT Profile
fact, Thompson describes the quartermile property as a kind of beachfront
for those who enjoy water views and/or
activities on the water. With the city of
Oakmont welcoming this project that
incorporates green space, fitness trails and
attention to detail, Thompson and Mancosh embarked on a “big, exciting plan
that focused on a quality product, good
value and happy customers.” Calling on
Rothschild Doyno Collaborative, with
whom Brooks & Blair had a long working relationship, the architectural firm was
asked to look at the property and render a
plan with a vision of continuing Oakmont’s
Allegheny Avenue down to the river. “So
much of the river was hidden and disconnected from the town,” explained Ken
Doyno, Partner, Rothschild Doyno Collaborative. “Getting a river space at the end of
Allegheny Avenue made sense so the buildings were designed to enhance that feeling
of connectedness.”
But just what characteristics comprise this
seemingly coveted neo-traditional feel? At
a basic level, a new urban or neo-traditional
build recognizes how structures relate to
“So much of the river
was hidden and
disconnected from
the town,” explained
Ken Doyno, Partner,
Rothschild Doyno
Collaborative. “Getting
a river space at the end
of Allegheny Avenue
made sense so the
buildings were designed
to enhance that feeling of
connectedness.”
their location and how the environment is
fostered by the new buildings and design.
At River’s Edge, the ideals of the neighborhood are reflected in the homes with their
front porches and smaller front yards lending itself to closer ties to the streets where
“you can walk past others either on their
front porches or also walking,” explained
Doyno. “We wanted to make sure that the
community is made up of people … with
the houses allowing the people to participate in the community.” He proffered that
the River’s Edge differentiates itself from
other projects on several levels: its closeness to the river, the efficient use of the site
itself, greater land space for the river park
and tree-lined streets due to less yard space,
giving it a more urban feel. Similarly, garages are typically located in the alley side
of the homes so front stoops and sidewalk
traffic enjoy fewer traffic interruptions. As
Phase I home building comes to fruition,
construction of the River’s Edge Clubhouse
will ensue with spaces for residents to host
social gatherings, an adjoining pool, and
fitness facilities. Boat docks, too, will become available for purchase or lease to residents interested in navigating the river for
recreational or sporting pursuits. But all
can avail themselves of the plethora of existing public spaces and walking trails that
entice the casual walker or more adventurous trekker. All in all, Thompson views
the River’s Edge as a “change of lifestyle,
a whole different way of living than that
found in the suburbs.”
At River’s Edge, there is something for
everyone from upscale apartments to
townhomes to attached and unattached
single-family homes. With Phase I groundbreaking in the fall of 2014, the project
opened with a structure of 35 luxury apartments, with the potential for an additional
45 units, and single family homes. “We
quickly found a niche in the market for
townhomes, a product we did not have
when we opened,” noted Hunter. But soon
thereafter, townhomes were developed and
priced in the mid-$380,000s. “Diversification of the project has enabled us to attract
a new set of buyers,” she continued.
And it’s no wonder that just over 50 percent of the apartments are leased. The
building itself boasts an elevator, interior
postal kiosk, interior trash rooms on each
floor, garages and a party room “so that
everything is self-contained,” Ferro said.
As an added feature, a third floor fitness
center overlooks the wooded terrain thanks
to glass walls encasing it, taking interior
exercise into nature without leaving the
building. The apartments themselves range
in size from 1,036 to 1,300 square feet
25
PROJECT Profile
styled with two bedrooms/two bathrooms;
three bedrooms/two and a half bathrooms,
or a one bedroom, den and two bathroom
option with leases ranging from $1,550
to $2,220 per month. But there’s more!
The fourth floor offers a breathtaking oasis
featuring an outdoor courtyard for all residents to relax, socialize or seek some quiet
time while enjoying a panoramic view of
the river valley.
But if it’s a larger home you’re looking to
purchase, the River’s Edge accommodates
all in a big way with a range of townhomes
and single-family dwellings. Attached and
unattached single-family homes specifically designed for the site offer 2,500 to
3,900 square feet of living space and start
in the mid-$400,000. Townhomes, also
specially designed for the site, hold a generous 2,500 square feet for $390,000. The
homes, a “throwback to old Pittsburgh” as
Ferro refers to them, are built with 10-foot
ceilings, elegantly turned staircases between
floors, optional four-piece crown moulding and high end finishes throughout, but
all with very adaptable and flexible floor
plans. “Each home can be different depending on the customer’s needs,” Ferro
stated. “We can create the ideal floor plan
based on those needs.” To date, 47 homes
have been released for sale in three distinct
sections of Phase I: two and three-story
attached homes in The Boulevard, ranging
from $400,000 to the low $500,000s with
easy access to amenities; two story attached
single family homes with a first floor master
suite in the Creekside section, priced in the
mid-$400,000s and offering serene views
of the wooded shores of Plum Creek, and
two and three-story homes in the Grand
Allee, listed in the high $500,000s with
the homes surrounding Water View Park,
an outdoor area for residents to engage in
social activities, exercise or enjoy a cookout
in one of the picnic pavilions. For those
desiring to live at the water’s edge, 11 lots
have been designated. Buyers here may
choose their own design and work with
the project’s architect. These home sites
have a back yard and forego the rear entry
garages touted in the other sections of the
neighborhood. With ample space starting
at 3,500 square feet, and proximity to the
water, these properties start at $850,000 for
the most discerning of buyers.
But who are the buyers embracing this laidback lifestyle loaded with conveniences just
footsteps from their front doors? Hunter
and Ferro report that there has been a mix
including young professionals, those with
| Fall 2015
established careers, and
empty nesters. “We have
empty nesters who don’t
want to buy a home right
now, but want to maintain a residence here so
they are leasing an apartment,” Hunter explained.
“They see this as a more
economical alternative
and customizing the unit
as a unique opportunity.
Some want a longer lease,
even up to five years.”
Ferro observed that those
with established careers,
who may be downsizing,
may have one residence in
the Oakmont project part
of the time, and another
residence out of state.
And, not only do the
single family properties
appeal to young families,
other planned amenities
such as the “Tot Lot”, an
outdoor playground devised with a child’s
safety in mind, has its appeal, as do the local schools and in-town Carnegie Library,
free and open to the public. For all residents, the low Home Owner’s Association
fee ($150 a month), ensures a uniform look
throughout the neighborhood and covers
grass mowing, snow removal, mulching,
shrub trimming and other, similar tasks.
A most prestigious turn of events came in
the form of an award to River’s Edge presented to Rothschild Doyno Collaborative
and Brooks & Blair by the American Institute of Architects – Pittsburgh. The Award
for Regional and Urban Design recognized
them for excellence in design - one that
enhances the quality of life and the uniqueness of the properties. Attention too, has
been paid to sound building practices that
include the use of Energy Star® appliances,
top grade insulation, the extensive use of
brick, hardy board and lifetime shingles,
among others.
With additional phases planned for the future, both Thompson and Ferro agree that
River’s Edge is “truly a destination location.” NH
Builder Profile
Building Homes
One Relationship at a Time
| Fall 2015
Builder Profile
Tim Kelly at his 18th century farmhouse in Slippery Rock.
Tim Kelly didn’t set out to become a builder, let alone the man behind some of the
North Hill’s most upscale homes and communities.
His father was a brick mason and as a young man, Kelly gravitated towards construction projects. However, he majored in industrial psychology in college, a seemingly unrelated field. His studies, paired with his passion for construction projects
proved to be a unique combination that, from the beginning, gave Kelly the confidence to take risks. “The first thing I did was borrow everything I could and built a
very expensive luxury home… just before the recession of 1980 got worse,” admits
Kelly, who couldn’t sell the house for almost two years. So what did he do when
it finally sold? He built another one, of course, and sold that one too. Soon, he
was experiencing success and earning a reputation for building high quality luxury
homes for the discerning buyer, and T.D. Kelly Co. was born 35 years ago.
29
Builder Profile
The staff of T.D. Kelly Company (L-R) Tom Funk, Tim Kelly, Amanda Ruckdeschel, Kristina McCullough.
Walking the Walk
of the property was developed. “We were
doing green far before it was ‘cool.’”
Today, T.D. Kelly Company continues to
be known for its lasting quality and attention to detail, two terms Kelly concedes
are over-used in his industry. “So many
companies toss those words around so
much that they’ve lost their meaning,” he
says. “But we do things differently from
most construction companies.”
Visit Abby Woods, one of Kelly’s early
developments in Butler County and it’s
apparent that when it comes to quality, he
doesn’t just talk the talk. With large lots,
mature trees, and park-like settings, his
are not your average subdivisions. “I’m
not looking to see how many houses I can
squeeze into a community,” Kelly explains.
“Sure, I could have fit 30 or 40 more
homes in this development, but I think
it’s important to our clients to leave what
we can and work around what’s there,” he
says. In Wakefield Estates, only 60 percent
| Fall 2015
“So many companies
toss those words
around so much that
they’ve lost their
meaning,” he says.
“But we do things
differently from
most construction
companies.”
Once inside a T.D. Kelly home, examples
of what sets them apart abound. From
dramatic ceiling details and lavish moldings
to custom cabinetry and unique paneling,
impeccable craftsmanship is found at every
turn. Unlike some companies that rush
through a project to avoid disappointing
their clients in the short-term, Kelly says
that true quality takes time. “I’d rather get
called out for being late than for not getting it done right.”
Many of these details are recreations of oldworld designs, and some are made at their
very own woodshop located at the company “headquarters” – a picturesque farm
in Slippery Rock where Kelly both works
and lives. His home, though not one of his
newly modeled masterpieces, is a painstakingly refurbished 18th century farmhouse,
complete with all the hand-crafted woodwork and custom cabinetry you’d expect.
Builder Profile
Loyal Partnerships
A stone’s throw away from Kelly’s farmhouse and woodshop sits the office where
some of his loyal employees work. Amanda
Ruckdeschel, an accountant, handles all aspects of costs and financing and schedules
service work after completion along with
Krisina McCullough, the office manager.
“We all have worked together for so long,”
says Ruckdeschel, who’s been with T.D.
Kelly nearly 10 years. Not
only does the company
benefit from employee
stability, but the clients
do too. “I help keep our
customers on track with
their allowances and budget,” she explains. “Being
here so long, I have a
good relationship with
the banks so I act as the
middleman and can help
clients through the entire
process.”
Out in the field, Tom
Funk and Charles
“Chooch” Rader have
been with the company
for 28 years each. Funk
is responsible for beginning construction phases
including excavation,
framing, drywall and
exterior work. Rader organizes the completion of
the home. “He’s also the guy who designs
the fabulous woodwork that sets our homes
apart,” Kelly adds.
“If we are going to put our name on it,
we want it done right,” says Funk. “The
bottom line is we want our customers
to be 100 percent happy, and keep them
involved through the whole process. “
The constancy of employees like Funk
has a great deal to do with T.D. Kelly’s
lasting relationships with customers and
also its subcontractors and suppliers, some
of which T.D. Kelly has worked with for
10, 20 and even 30 years. “The people we
work with know what we expect of them,”
says Funk. Kelly says these subcontractors
and suppliers are not chosen because they
are the lowest cost but because the quality
of their work is excellent and consistent
with his high standards. “Partners working
together year after year create work that
dovetails together to build a fine home.
We’re all on the same page, not a bunch of
individuals trying to make a quick buck,”
he explains. “It’s different.”
to what consumers are looking for. “He
does his research,” she says. “He even holds
focus groups with people who have lived
in his homes so that he can hear what they
like and what they would change.”
Another long-term partnership key to T.D.
Kelly’s success is with The Maier Team, a
mother-daughter real estate duo that has
been working with Kelly for over 20 years.
ments,” she shared. Kelly conceptualized
Briar Hill because he himself could not
find a community in the Jackson Township
area that met his needs. He was looking for
an upscale home with a big lot but close to
restaurants, shopping, and major highways.
“I saw a need for a custom home community in the area, so I set out to build one.”
“We agree with Tim that providing the
very best service is essentially about putting our clients first,” says Kim Maier,
the daughter of the Berkshire Hathaway
HomeServices The Preferred Realty team.
“This means keeping ourselves accessible,
being a good listener as well as a good communicator, and responding quickly to your
needs.”
Maier attributes much of the company’s
success to Kelly’s ability to listen carefully
A dependable relationship between builder
and realtor is important to both Maier and
Kelly. “We’ve known each other for a long
time. In fact, I knew Tim because I grew
up in Briar Hill, one of his first develop-
Staying Ahead of
the Curve
After success at Briar Hill, Kelly went on to
develop Abby Woods in Jackson Township and more recently, homes in Meredith
Glenn and Chatham Court, both in Adams
Township, and Wakefield Estates in Cran-
31
Builder Profile
berry. “We essentially created a new market, even though it went against the grain,”
Kelly says. “Real estate people told us we
were taking a huge risk in these ventures by
building houses above $750,000 in Butler
County.” The risk paid off – they’ve sold
ten of 17 multi-family homes in Chatham
Court, for example, some of which are up
to $1 million. “It’s a small niche but we
only need 17 buyers. We would never have
built 70 of them.”
One of those 17 buyers is Ron Taylor.
“This is my fifth time building a home,”
Taylor says. “All have gone well, but working with Tim has been especially easy.”
Taylor and his wife, who are moving from
a house on seven acres of land, were looking for a home with less maintenance, but
with all the luxuries of an upscale neighborhood. “There aren’t many to choose
from,” Taylor reports. “We just happened
to drive by the development, and it was
perfect. Chatham Court is one-of-a kind.”
Many agree. In fact, Chatham Court
received the 2013 and 2014 Builder’s
Association of Metropolitan Pittsburgh
| Fall 2015
(BAMP) Housing Excellence Award for
Best Multi-Family Home of the Year over
$500,001. This award is judged on the
builder’s use of materials and space, interior
design, exterior design and curb appeal.
The company also earned the Housing Excellence Award for best single family home
from $850k to 1MM in 2014.
Accolades aside, the company’s ultimate
goal is to help clients enjoy the process of
creating their new homes. “Tim and his
team have been extremely accommodating
as we worked together to make changes
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What Brings Them Back
Minimizing stressors, responding to concerns, advising when asked and advocating for their clients’ interests is what draws
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Builder Profile
“I’ll never forget when we walked into that
house at Abby Woods,” she recalls. “The
finish work, the choice of materials, the
hand milled Brazilian cherry floors – it was
exquisite. It was as if Tim was reading our
minds.”
They loved their first T.D. Kelly home but
like the Taylors, the Nufers wanted a lower
maintenance villa and had no question
that they’d go right back to T.D. Kelly to
find one. “We knew the quality we would
be getting and who we’d be working with,
because his people have been with him for
all these years!”
Maintaining low overhead and efficient
operating costs, while focusing on high
finishing detail and solid construction has
established T.D. Kelly as an excellent value
in the luxury home market. “But these
are not small financial endeavors,” admits
Nufer, who has just completed a basement
renovation using Kelly and his crew. “Trust
is a key word, and we have utmost trust in
them.”
At the completion of every home, Tim
Kelly and his crew do a walk through
inspection. Maier says it’s unlike any walk
through she’s seen. “Each room is inspected
wall by wall, inch by inch. Trim, paint and
other repairs are completed immediately.
If some paint needs to be touched up, the
painter is there. Everything gets done on
the spot.”
“I tell Tim that his next development needs
to be a high-end assisted living,” jokes
Nufer. “We don’t ever want to leave him!”
Latest Developments: Where to find a T.D. Kelly Home
Meredith Glen
Chatham Court
Wakefield Estates
Located in Adams Township, Meredith Glen consists of one to two acre
home sites starting at $800,000. These
luxury estates are bordered by mature
trees and lined with meandering sidewalks. The location offers easy access
to major highways and is within walking distance of Mars Area Schools.
Located in Adams Township, Chatham
Court is a community of maintenancefree paired villas. With home packages ranging from $600,000’s to over
$1,000,000, the T.D. Kelly custom
homes there feature European stone and
brick facades, first floor master suites
and gourmet island kitchens, security
systems and lawn irrigation systems.
Wakefield Estates in Cranberry Township is an exclusive forty-acre development near the Cranberry Highlands
Golf Course. The tree-lined community consists of only 26 home sites, each
over an acre. Home packages range
from $700,000 to over $1,000,000.
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NEWHOME
2015
Pittsburgh
Homebuilders
How can you make your
dream of owning a new home
a realty? The following list
of professional builders offer
the newest technologies,
amenities and creative home
designs to help you make
informed decisions.
| Fall 2015
Bachman Builders
Barrington Homes
Brennan Builders
Brooks & Blair Homes
Costa Homebuilders
Dan Ryan Builders
Douglas Erdley Custom Homes
Eddy Homes
Executive Developers
Heartland Homes
John Hobart Miller
Infinity Custom Homes
Kacin
Kaclik Builders
Keith Homes
LAD Construction Company
Millcraft Real Estate Services
Paragon Homes
Primrose Homes
PWCampbell
Richland Holdings
Rossman Hensley
Ryan Homes
S&A Homes
Schumacher Homes
Signature Homes
Spagnolo Custom Homes
Stambrosky Homes
Suncrest Homes
T.D. Kelly Company
Traditions of America
Weaver Homes
Brooks & Blair Homes, LLC
Bachman Builders, Inc
535 Carnot Road
Moon Township, PA 15108
T. 412.264.4069
www.BachmanBuilders.com
David Bachman, President
Info@bachmanbuilders.com
Building with integrity since 1996 isn’t just a motto at Bachman Builders.
It’s a way of life. With a wealth of architectural knowledge and construction
technique, Bachman Builders possesses a diverse portfolio of homes
within a wide price range. Our clients bring their unique dreams, ideas and
budgets to us and together, we develop a truly custom home. Bachman
Builders has never built the same home twice. Call us today for your
custom homebuilding experience.
Barrington Homes Incorporated
412-655-8999
www.BarringtonHomesPA.com
BarringtonHomes@gmail.com
Barrington Homes is a leader of custom luxury homes in the North Hills of
Pittsburgh (Allegheny and Butler County). The Builders Association of
Metropolitan Pittsburgh awarded Barrington Homes first place in the
$1M – $2M category and first place in the $650K-$850K category for the
2014 Housing Excellence Awards. Schedule a meeting today with our
designers to discuss your wish list so that they can begin design work on
your custom home.
Brennan Builders
800 S Washington St.
Evans City, PA 16033
T: 724-865-2929
www.BrennanBuilders.com
Tricia Brennan
Sales@brennanbuilders.com
For over 55 years we’ve been building high quality custom homes in
Northern Allegheny and Butler Counties. Building a new home doesn’t
have to be scary, our process makes building fun and easy. In our state-ofthe-art Home Studio, we have brought everything together in one place.
We believe that your home is an expression of yourself and tells your story
so we have equipped our Home Studio with everything you can possibly
imagine.
310 Seven Fields Blvd.
Seven Fields, PA 16046
www.theriversedgeatoakmont.com
T: 724-741-2300
Dan Mancosh
dan@ARBuilding.com
Pittsburgh natives, Daniel J. Mancosh and John F. Thompson, Jr., make
up the experienced team of Brooks and Blair Homes. Building beautiful
homes at affordable prices without sacrificing quality is their expertise.
Daniel Mancosh is currently the President of A.R. Building Company, a large
Shadyside firm that specializes in the management and building of hundreds
of multi-family homes and commercial buildings. Mr. Mancosh is involved in
all aspects of design, planning and management of financial operations of
all construction. John Thompson is the Senior Vice President of Construction
for A.R. Building Company. He has been in the construction industry for
twenty-three years. Mr. Thompson is a hands-on builder who can often be
found on the site. Mr. Thompson is responsible for land acquisition, land
development and building construction. Brooks and Blair Homes is a perfect
partnering of experience, providing affordable quality homes.
Costa Homebuilders
600 Hayden Boulevard (Rt. 51)
Jeff Costa
Tony Ferrare
412-384-8170
www.CostaHomebuilders.com
Costa Homebuilders Build On Your Lot approach begins with a personal
build-on-your-lot specialist who will assist you in locating a lot to build
on. If you already own a lot, Costa will work with you to develop the best
plan possible in building your dream home. Costa’s New Life Custom Home
Building Process with reduce the stress in home building and help you save
time and money.
Douglas Erdley, LLC
Custom Homes
144 Breakneck Rd
Ford City, PA 16226
T: 724-763-3692
www.erdleyhomes.com
Douglas Erdley
steadybull@windstream.net
We are a third generation home building company tailoring our services to
meet our client’s specific needs! With Over 20 years of experience, we have
a highly trained team of contractors to complete the building or renovation
of your home, whatever the job may be. As general residential contractors,
we can expand a kitchen into a dining area, build out an extra closet (or
two) and make your home a more comfortable living space for you and
your family. We give each project individual personalized service!
Working one on one with our clients to get the house that fits their budget,
we offer: Administration and Supervision from Inspection to Completion,
Cost Saving Recommendations, Project Scheduling and Quality Control.
Eddy Homes, Inc
242 Station Street
Bridgeville, PA 15017
T: 412-221-0400
Eddyhomes.com
Jon Moritz
JMoritz@EddyHomes.com
Eddy Homes is Pittsburgh’s premier luxury custom home and estate home
builder, building and developing custom home communities of the highest
quality and value designed to meet your lifestyle and tastes. Our solid
reputation is built on our unsurpassed standards for quality craftsmanship,
personal service, and integrity. As a family-owned and operated business,
we feel privileged to have a hand in the vibrant communities where
families work, play, and grow together. Build with Eddy Homes if you want
the ideal building experience.
Dan Ryan Builders
1370 Washington Pike
Suite 204
Bridgeville, PA 15017
www.DanRyanBuilders.com
T: 724.939.1013
Kathy Cooper
kcooper@danryanbuilders.com
Pittsburgh’s new builder of choice, Dan Ryan Builders’ brand is built on solid
core values of quality, service and price to deliver well built, well appointed, energy efficient homes. Our company ensures the balance between
location, price, amenities, and quality of life. We offer single family homes,
carriage homes and townhomes in desirable communities surrounding the
I-79 corridor to provide you and your family easy living.
Everywhere You Want to Be. Better Value. Better Living.
Executive Developers, LLC
208 Crawford Court
Mars, PA 16046
T: 724-935-3932 (EXEC)
www.execdevelopers.com
Chris Cinker
Chris@execdevelopers.com
Executive Developers, LLC has been a custom home builder in the Pittsburgh area for 30 years. Whether you are building a custom home, adding
an addition, or remodeling your existing home, we will be there from start
to finish. Once you make the decision to work with Executive Developers,
you will have the opportunity to work with an architect to custom design
the home or addition of your dreams, then sit back and watch as Executive
Developers brings those dreams to life.
37
Heartland Homes
LAD Construction Company, Inc.
KACIN
One Penn Center West
Suite 300
T: 724-949-0079
www.HeartlandLuxuryHomes.com
Jodie and Ann Marie
Sales@HeartlandLuxuryHomes.com
3875 Old William Penn Highway
Murrysville, PA 15668
T: 724-327-6694
www.KACIN.com
Jason C. Corna
jcorna@kacin.com
For over 30 years, we’ve been passionately committed to building luxury
homes of the highest quality and providing exceptional customer care.
Our goal is to exceed your expectations throughout every step of the
homebuilding experience. Whether it’s the art and functionality of our
single-family luxury homes, open floor plans and light-filled spaces of
our townhomes or uncompromising luxury and innovative designs of our
main-level owner’s suites, we always keep you, the owner in mind. We
build homes and communities in Allegheny, Washington and Butler Counties – and Morgantown, WV – Monongalia County.
KACIN founder A. Richard Kacin has been building upscale residential
homes, condominiums and communities in the Pittsburgh region since
1960. Headquartered in the Pittsburgh suburb of Murrysville, KACIN also
manages the design and construction of an array of commercial and
industrial facilities throughout western Pennsylvania through our sister
company, KACIN General Contractors.
“ Our commitment to quality and customer satisfaction has earned us the
reputation that gives us the leading edge in new home construction ”
ILDE
K
, LLC
ded 1985
Foun
John Hobart Miller, Inc.
Consecutive Housing Excellence Award winning, LAD Construction
Company, Inc., brings nearly three decades of quality construction to the
industry. Leon A. Dwinga, Jr., Master Builder, works directly with the client
to custom design a home according to their specifications, lot, and budget
and is an on-site, hands on builder that insures every detail is met.
RS
ACLIK
BU
1125 Noblestown Road
Oakdale, PA 15071 PA 007781
www.ladconstruction.com
T: 412-279-0250
ladco@comcast.net
1344 Freeport Road,
T: 412-963-8842
www.johnhobartmiller.com
John Miller, III
johnhobartmiller@comcast.net
Kaclik Builders, LLC
From its beginning as a custom home builder in 1927, John Hobart Miller,
Inc. has grown to become a well-recognized benchmark of quality in the
Pittsburgh area. This tradition of home building excellence stems from a
single-minded, company-wide dedication to quality and customer service.
Dedication to providing classic designs, fine materials and meticulous
craftsmanship which has become the trademark of a John Hobart Miller
home. Four times they have been awarded the designation of “Pittsburgh
Builder of the Year” and received “Pennsylvania Builder of the Year” award.
The John Hobart Miller organization has excellent “in house” design
capabilities to accommodate your specific design requirements and desires.
Christopher J. Kaclik, founder, owner and custom builder for Kaclik
Builders, LLC, has been creating an impressive portfolio of premier custom
homes in both Allegheny & Butler County since 1985. A Pittsburgh native,
Chris, along with the experienced staff of Kaclik Builders, is one of the most
successful custom home builders in the Pittsburgh area. Chris established
Kaclik Builders’ reputation through his broad knowledge of the process,
his hands-on approach, and his dedication to his customers. Whether a
seasoned new home buyer, or a novice, Kaclik Builders’ team is committed
to providing an experience that is both satisfying and pleasant. Kaclik
Builders has earned its position in this industry by providing clients with
the excellence, service and attention they desire, with results they are
happy to live with.
1272 Mars Evans City Rd.
Evans City, PA 16033
KaclikBuilders@zoominternet.net
T: 724-432-3101
Christopher J. Kaclik, President
Millcraft Real Estate Services
Pittsburgh PA 15222
T: 412-471-4900
www.MillcraftRealty.com
Live@MillcraftRealty.com
Mark Jennings & Racheallee Lacek
As real estate representatives, Millcraft Real Estate Services offers
the flexibility to work with our diverse portfolio of home developers,
including eco-friendly Terra Building Group, and modern developers R
Kyndall Development Group and M Franko Properties. Our experienced
team provides assistance throughout the course of choosing and buying
new home construction. Alternatively, we have homes from our trusted
developers ready for move-in. Our neighborhoods include Downtown,
South Side, Lawrenceville and more.
Paragon Homes
Infinity Custom Homes
401 Sparrow Court
Cranberry Twp, PA 16066
T: 888-424-9424
www.buildinfinityhomes.com
Amanda Druschel
contactus@buildinfinityhomes.com
Keith Homes
Infinity Custom Homes is the areas premier custom homebuilder. With
over 20 years of homebuilding experience Scott Blodgett, Infinity’s owner
is committed to building high quality custom homes at an affordable
price, all while creating an enjoyable and seamless buying experience.
The Infinity team focuses on customizing each individual customers home
based on their specific wants and needs. They are now building in various
communities throughout Allegheny, Butler and Washington Counties as
well as on your own lot.
2455 Park Avenue
Washington, PA 15301
T: (724)223-0285
www.keithhomes.net
Kim and Cherie
info@keithhomes.net
Keith Homes, owned and operated by the Keith Family for more than 20
years, is a small-volume custom home builder committed to continual improvement and customer service while specializing in sustainable building
techniques and quality craftsmanship. We concentrate on building a select
number of energy efficient houses each year. Buyers who choose Keith
Homes will be working directly with the principals of the company to turn
their dreams and wishes into a fabulous new home.
| Fall 2015
5949 Steubenville Pike
Robinson Township, PA 15136
www.VisitParagonHomes.com
Scott Lantz
412-787-8807
Scott@VisitParagonHomes.com
Since 1987 Paragon Homes has been building custom homes that are unmistakably yours. Each Paragon home is designed to uniquely fit the family that calls them home. Since we were founded almost 30 years ago by
a home buyer who dreamt of a better way, we have been taking the time
to handcraft homes the right way, keeping our focus on the home buyers,
helping them create the home of their dreams with an easy, enjoyable
process. When quality counts, you deserve a Paragon Home.
Schumacher Homes
Primrose Homes Inc.
215 Executive Drive
Suite 101
Cranberry Twp., PA 16066
T: 724-778-0010
www.PrimroseHomesInc.com
Jeff Martin
jeffmprimrose@gmail.com
Founded over a decade ago, Primrose Homes, Inc. continues to be at
the forefront of luxury, custom home building and remodeling in the
Pittsburgh area. Our merit is unsurpassed in our building excellence, our
national recognition, and our professionalism. We believe value is not
simply calculated by the price, but by craftsmanship, finishes, and service.
The Primrose team is second to none and our goal is to build you the home
of your dreams.
Rossman Hensley, Inc.
340 Greengate Centre Circle
Greensburg, Pennsylvania 15601
T. 330-574-4884
www.schumacherhomes.com
Mary Becker
mbecker@schumacherhomes.com
At Rossman Hensley, our residential division services all of Western
Pennsylvania. We have a team of craftsman that specializes in the high end
residential market. From condominium build outs in downtown Pittsburgh
to new home construction in the suburbs, our goal is to provide Western
PA residents with a well built and luxurious home. Please don’t hesitate
to contact us for a building experience that incorporates design, customer
service, and craftsmanship.
Schumacher Homes, based in Canton, Ohio, is America’s largest custom
homebuilder, with operations in 32 markets in 14 states across the country.
The National Housing Quality award winning company and recipient of the
National Gold Winning Home of the Year has built over 12,000 homes since
its founding by Paul Schumacher in 1992 – each one unique to the needs
and lifestyle of the owners. Each Schumacher Homes location includes a
one-stop design center that provides everything you need to complete your
custom home.
Ryan Homes
Signature Homes
Since 1948, we’ve grown from a small, family-run business to become one
of the top five homebuilders in the country. While there are many reasons
for our success, they all revolve around three key factors: our commitment
to customers, our consistent quality, and our personalized approach. At
Ryan Homes, building a better home means continuously raising the bar.
That’s why 98% of our buyers say they would recommend us to family and
friends. With over 60 years of experience, trust us to make your dreams
come true. Building new home communities in Allegheny, Beaver, Butler,
Washington & Westmoreland Counties.
Do you want more time to enjoy life?
All our Carriage Homes and Villas at the Fields of Nicholson have first floor
Master Bedrooms. Maintenance free exteriors as well as professionally
managed landscaping and grounds means more time to enjoy life: whether
it’s a round of golf at one of three nearby private or public courses, a swim
in the private pool or entertaining friends in the community’s club house ...
the choice is yours. The Fields of Nicholson is located in prestigious Franklin
Park Township at the intersection of Route 79 and Route 910.
1426 Pittsburgh Road
Valencia, PA 16059
T: 724-443-5353
F: 724-443-5666
Jmartin@rossmanhenlsey.com
PWCampbell
109 Zeta Drive
T: 800.253.7430
www.pwcampbell.com
Dante Fusaro
dante.fusaro@pwcampbell.com
PWCampbell is a leading design/build firm headquartered in Pittsburgh,
PA with over 100 years of commercial and custom residential experience
within the construction industry. A third generation professional
organization, we provide homeowners the valuable benefit of a Design/
Build team that seamlessly works together to ensure that your project
is coordinated with excellent care and quality from start to finish. Our
extensive experience and expert knowledge paves the way for creative
solutions to take hold, costs to be minimized, schedules streamlined
and efficiencies realized. PWCampbell puts the wants and needs of the
homeowner first and works tirelessly to ensure the finished product
exceeds your expectations.
Richland Holdings, L.L.C.
1426 Pittsburgh Road
Valencia, PA 16059
T: 724-443-4800
F: 724-443-5666
builder.jeff@gmail.com
The owners of Richland Holdings, LLC have a combined work experience
of over 75 years in the construction industry. Over the past 10 years, we
have overseen the construction of hundreds of multi-family dwellings and
single family building lots in the North Hills. We are proud to announce
the development of SHOFF FARMS, a 48 unit carriage home community in
West Deer Township. Please don’t hesitate to contact us for available lots,
floor plans, and financing.
One Penn Center West
Suite 220
T: 724-249-6835
www.RyanHomes.com
Kristen & Melissa
ryanhomespittsburgh@nvrinc.com
20421 Route 19 Unit 105
Cranberry TWP, PA. 16066
T: 724-935-4453
www.signaturehomesadvantage.com
Dan Sosso
Danielsosso@yahoo.com
Michael Kamon
kamon888@mac.com
S&A Homes
300 Bilmar Drive
Suite 290
www.sahomebuilder.com
T: 1-855-SAHOME1
Lorrie Crummie
LCrummie@sahomebuilder.com
S&A Homes offers 40 years of experience delivering high-performance
homes throughout the Pittsburgh area. The company has received national
recognition for its E-Home™, a high-performance home offering energyefficiency and high-quality products to ensure S&A Homes’ construction
standards consistently exceed code. Every home the company builds is an
E-home that is, on average, 45% more energy efficient than a new home
built to code standards. S&A Homes maintains a 98% customer referral
rating, features a true custom home building experience and backs every
home up with a comprehensive 10-Year Warranty.
Spagnolo Custom Homes, Inc.
109 Gateway Avenue
Suite 202
Wexford, Pa 15090
T: 724-935-7010
Angelo Spagnolo
Spagnolochi@zoominternet.net
The Spagnolo Family has proudly been in the quality home building/ land
developing business since 1955. Originally started by Carl J. Spagnolo and
now headed by sons Angelo and Frank, we continue to strive to make our
clients experience in homebuilding a very memorable one. 60 YEARS and
still going strong! You can find our fine communities in Allegheny, Butler &
Westmoreland Counties.
39
True Custom Home Building Since 1949
STAMBROSKY HOMES
PO Box 238
Presto, PA 15142
www.stambroskyhomes.com
T: 412-257-3500
Danielle Stambrosky Mach
412-302-4184
daniellemach@howardhanna.com
Traditions of America at Sewickley Ridge
Stambrosky Homes was founded by George Stambrosky in 1949. When
Stambrosky Homes was in its beginning stages, its focus was on great
carpentry and craftsmanship. By 1972, Rick Stambrosky joined his
father after graduation from the University of Dayton. From the mid
to late 1970’s, father and son grew the company from building homes
to neighborhoods. Nevillewood was one of their largest projects
and Stambrosky Homes is still expanding themselves today. Current
developments are in Peters Twp, South Fayette, and Collier Twp. The
company has 12 key personnel that facilitate in the construction of new
developments and construction of new homes as well as the original
passion of their craftsmanship.
114 Union Court
Sewickley, PA 15143
SewickleyLiving.com
T: 412-534-4232
Monica Field
info@traditionsofamerica.com
At Traditions of America at Sewickley Ridge, you can have it all - the home
of your dreams, a luxurious Clubhouse and resort-style amenities - at a
great value. What you won’t have? Yard work. Low-maintenance, awardwinning homes in this 55+ community give you the freedom to live bigger,
Live Better at Sewickley Ridge.
Weaver Homes
PO Box 449
Mars, PA 16046
T: 724-814-9001
www.weaverhomes.com
Kelly Dunn
kdunn@WeaverHomes.com
Suncrest Homes, Inc.
3819 Old William Penn Highway
Murrysville PA 15668
T: 724-327-1844
F: 724-325-7426
www.suncresthomespa.com
J. Michael Ruefle, Jr., President
Colleen Ruefle-Haley, Vice President
Suncrest Homes has been proudly building Custom and Semi-Custom
Homes as well as room additions for 29 years. Suncrest has always
been on the leading edge of new and innovative building concepts and
designs. Whether open floor plans, Cottage Villas, Craftsman style homes
or traditional living, you can be assured your dreams will be fulfilled by
our team of experienced trend setting professionals. Six time Housing
Excellence Award winner and members of NAHB, PBA and BAMP Suncrest
Homes has homes and communities in Westmoreland and South Butler
Counties.
With more than 25 years of design and building experience, Weaver Homes
is the premier custom home builder in the Northern Pittsburgh region.
Our goal as a builder is to help make your dream home a reality through
allowing you to tailor and expand upon our floor plans to suit your unique
needs and desires. By working with only the best professional contractors,
we offer the quality, integrity, service, attention to details, craftsmanship,
and value you deserve in your forever home. Family-owned and operated,
we take a very hands-on approach to our construction process. Building
a custom home is one of the most emotional experiences you will ever
have, and we take that to heart. We think of our homeowners as family; we
believe it’s impossible to build someone their dream home without truly
getting to know who they are as individuals, as a family member.
T.D. Kelly Company, Inc.
P.O. Box407
Zelienople, PA 16063
T: 724-530-9980
www.tdkelly.com
Tim Kelly
Info@tdkelly.com
T.D. Kelly Company, Inc. has a history of building luxury
homes in the Pittsburgh area for over 35 years. Our
employees have been with us from 10 to 30 years. Very few
building companies can boast that longevity and
experience. Quality and attention to detail are two overused
terms in the home building industry, but come and
look at a model home that we’ve built. Our work speaks for
itself and our homes become sound investments for our
customers.
| Fall 2015
RESIDENTIAL
NEW
CONSTRUCTION
NEWHOME
can help you
discover a
home to match
your lifestyle.
Custom single-family homes,
carriage homes, townhomes or
condominiums … new locations
and new homesites.
42 City of Pittsburgh
42 Allegheny County
45 Beaver County
45 Butler County
48 Washington County
50 Westmoreland County
41
CITY OF PITTSBURGH
CITY OF
PITTSBURGH
151 First Side
Downtown Pittsburgh
Condominiums
Priced from: $500,000
School district: City of Pittsburgh
Agency: 151 First Side
412-586-5970
151firstside.com
Angel’s Arms
Southside
Condominiums
Agency: Northwood Realty Services
412-367-3200
Bedford Hill
City of Pittsburgh, Homewood
Single-family homes
Agency: Northwood Realty
412-367-3200
northwood.com
Columbus Square
North Side
Single family
to $289,000
Agency: Fourth River Development LLC
412-231-4444
ColumbusSquarePittsburgh.com
Hatfield + Home
Lawrenceville
Single-family homes
Priced from: $300,000 to $420,000
Agency: RE/MAX Select Realty
Christa Ross
724-779-1437
www.hatfieldandhome.com
Hilltop Housing Initiative
Beltzhoover
Single-family homes
412-367-3200
northwood.com
ALLEGHENY COUNTY
Jailhouse Commons
Southside
Townhomes
Agency: Howard Hanna Real Estate
Services
412-833-3600
howardhanna.com
Riverside Mews
City of Pittsburgh/South Side
Contemporary townhomes
Agency: One80 Real Estate
Services LLC
412-318-4139
one80res.com
Summerset at Frick Park
City of Pittsburgh/ Squirrel Hill
Traditional Neighborhood
Development
Single-family homes, duplexes, townhomes, condominiums, apartments
Agency: Summerset Land
Development Associates
412-420-0120
summersetatfrickpark.com
Sweetbriar Village
City of Pittsburgh/Mt. Washington
Townhomes
Agency: Coldwell Banker Real Estate
412-521-2222
liveatsweetbriarvillage.com
Vista Grande
City of Pittsburgh/Mt. Washington
Condominiums
Services
412-481-0000
howardhanna.com
Washington’s Landing
City of Pittsburgh
Contemporary Townhouses
School district: Pittsburgh
Agency: RE/MAX Select Shadyside
724-933-6300 X110
Wylie Ave. Homes
East Allegheny /Hill District
Single-family homes
412-367-3200
northwood.com
ALLEGHENY
COUNTY
Altmyer Fields
Marshall Township
Courtyard single living
School district: North Allegheny
Agency: Weaver Homes
877-836-5320
weaverhomes.com
Autumn Woods
Moon Township
Custom single-family homes
School district: Moon Area
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Avonworth Heights
Ohio Township
School district: Avonworth
Agency: Berkshire Hathaway
HomeServices
412-367-8000
thepreferredrealty.com
| Fall 2015
Bedner Estates
Upper Saint Clair
Single-family homes
School district: Upper Saint Clair
Agency: Heartland Homes
724-871-1712
HeartlandLuxuryHomes.com
The Berkshires
South Fayette Township
Single-family homes and townhomes
Priced from: $229,990 single-family,
$189,990 townhomes
School district: South Fayette
Agency: Ryan Homes
412-914-2031
ryanhomes.com
Blackburn Heights
Sewickley
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Brandywine
Elizabeth Township
Single-family homes
School district: Elizabeth Forward
Agency: Maronda Homes, Inc
412-896-1845
www.marondahomes.com
Camp Trees
Pine Township
Single-family homes
School district: Pine Richland
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Castletown
Franklin Park
HomeServices
412-367-8000
Castletown
Franklin Township
Single-family estate homes
Agency: Brennan Builders
Real Estate Services
724-865-2929
Brennanbuilders.com
Centennial Point
Collier Township
Townhomes and carriage homes
Priced from: $210,000 townhomes,
$250,000 carriage homes
Chartiers Valley
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Chapel Harbor
Fox Chapel
Carriage homes, townhomes and
single-family homes
School district: Fox Chapel Area
Services
412-963-7655
liveinchapelharbor.com
Chapel Hill Estates
Marshall Township
Single family homes
Agency: Achieve Realty
Chapel Pointe
Fox Chapel
Condominiums
Services
412-963-6085
howardhanna.com
Chartiers Landing
Robinson Township
Single-family homes
School district: Montour
HomeServices
412-262-4630
Cimarron
Moon Township
Single-family homes
Agency: Ryan Homes
412-264-5029
ryanhomes.com
Cobblestone
Ohio Township
Single-family homes
Agency: Ryan Homes
412-367-1927
ryanhomes.com
Cobblestone
Ohio Township
Single-family homes
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Copper Creek
Marshall Township
Luxury estate custom homes
Priced from: $1,200,000
Agency: Eddy Homes
412-221-0400
EddyHomes.com
Courtyards at The Preserves
North Fayette Township
Detached carriage, patio homes
School district: West Allegheny
Agency: Epcon Homes and
Communities
412-548-3298
www.epconcommunities.com
Cross Creek
Hampton Township
Single-family homes
School district: Hampton
Agency: Ryan Homes
724-443-0190
ryanhomes.com
Deerfield Ridge
Agency: Paragon Homes
412-787-8807
VisitParagonHomes.com
Della Strada
South Park
Single-family homes
School district: South Park
Agency: Ryan Homes
412-945-3641
Ryanhomes.com
Edgewater at Oakmont
Oakmont
Single-family homes, condos,
townhomes, duplexes and apartments
School district: Riverview
Agency: KACIN
412-877-1055
www.KACIN.com
E lane @ Carnegie
Carnegie
Garden style condominiums
School district: Carlton
412-633-9300 ext. 214
724-309-1758
elane.biz
Emerald Fields
Pine Township
Single-family homes
HomeServices
724-776-3686
Emerald Fields
Pine township
Single-family homes
724-871-1702
The Enclave
Fox Chapel
Single-family homes
Coldwell Banker Real Estate Services
412-963-7655
pittsburghmoves.com/TheEnclave
English Farms
Pine Township
School district: Pine-Richland
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
The Estates at Jefferson
Jefferson Borough
Single-family homes
Agency: Coldwell Banker Real
Estate Services
412-655-0400
pittsburghmoves.com
/estatesatjefferson
Fair Acres
Upper St. Clair
School district: Upper St. Clair
Agency: Prudential Preferred Reality
412- 833-7700
www.fairacresusc.com
Falconhurst Forest
Fox Chapel
Single-family homes
Agency: Howard Hanna
412-963-6300
howardhanna.com
Fayette Farms
North Fayette
Townhomes
Agency: Ryan Homes
724-218-1015
ryanhomes.com
Fayette Farms Estates
Custom Homes
Agency: Keller Williams
412-787-0888
Fields of Nicholson
Franklin Park
Borough
Custom carriage-homes from
$553,900,
Custom villas from $469,900
HomeServices
412-367-8000
Forest Oaks at Wexford
Wexford
Single-family
412-366-1600
pittsburghmoves.com
/forestoaksatwexford
Forest View
Indiana Township
Single-family homes
School district: Fox Chapel
724-772-8822
ricciuticonstruction.com
howardhanna.com
Foxwood Knolls
Moon Township
Single-family homes
Agency: Ryan Homes
412-264-5029
ryanhomes.com
Georgetowne
Pine Township
Luxury townhomes
HomeServices
412-367-8000
Grace Manor
Robinson Township
Townhomes
412-329-7017
Granite Ridge
Townhomes and single-family homes
412-523-1547 and 724-307-3079
Hampton Woodlands
Hampton Township
Single-family homes
Services
412-487-0500
www.pittsburghmoves.com/
HamptonWoodlands
Hartman Farns
Franklin Park
Single-family homes
724-949-0079
The Heights of North Park
Pine Township
Custom single-family
Agency: RE/MAX Select
724-779-7072
The HeightsofNorth Park.com
Hidden Falls
Fox Chapel
Carriage Homes
Priced from: mid $500,000
Services
412-963-6300
howardhanna.com
Highland Country Club
Ross Township
COMING SOON Single-family homes
School district: North Hills
Agency: Ryan Homes
724-249-6835
ryanhomes.com
The Highlands
Plum Borough
Single-family homes
School district: Plum Borough
Agency: Ryan Homes
412-793-4797
ryanhomes.com
Highpointe II
Scott Township
Luxury Townhouses
School district: Chartiers Valley
Services
412-833-3600
howardhanna.com
Hunters Fields
Jefferson Hills Borough
Single-family homes
School district: West Jefferson Hills
412-405-9470
HyTyre Farms
West Deer Township
Carriage Homes
School district: Deer Lakes
Agency: Richland Holdings, LLC
724-443-4800
Jefferson Estates
Jefferson Borough
Carriage homes
Estate Services
412-655-0400
pittsburghmoves.com/jeffersonestates
Lake MacLeod
Pine Township
Single-family homes
PRICed from: $900,000
412-720-9033
barringtonhomespa.com
Lake MacLeod
Pine Township
Single-family homes
Estate Services
412-487-0500 or 412-366-1600
lakemacleod.com
Langdon Farms
Pine Township
Single family homes
412-720-9033
Legacy at Nevilleside
Collier Township
Carriage homes
Agency: Ryan Homes
724-693-8140
ryanhomes.com
Lenox Place
Finley Township
Villas and townhomes
HomeServices
412-262-4630
McCormick Farms
Moon/Crescent Township
Priced from: High $400’s
HomeServices
412-262-4630
The Links at Deer Run
West Deer
Golf course community,
carriage homes
HomeServices
724-776-3686
McCormick Farms
Robinson Township
Single-family homes
412-788-3646
Long Ridge
Kennedy Township
Single-family homes
412-458-0678
Longvue
Ross Township
Townhomes
Agency: Ryan Homes
412-837-2623
ryanhomes.com
Madison Woods
Moon/Crescent
Township
HomeServices
412-262-4630
The Manor
McCandless
724-779-7072
ManorCustomHomes.com
McCandless Crossing
McCandless Township
Townhomes
Agency: Ryan Homes
412-364-0414
ryanhomes.com
The Meadows at Hampton
Hampton Township
First floor living homes
724-779-7070
MeadowsAtHampton.com
Millennium Woods
Bethel Park
Coming Soon
School district: Bethel Park
Agency: Ryan Homes
724-249-6835
ryanhomes.com
Newbury
South Fayette
townhomes, $330,000
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Newbury
South Fayette
Single family estate homes
Agency: KACIN
724-327-6694
www.KACIN.com
Noble Woods
Moon Township
Townhomes
Coming Soon!
Agency: Ryan Homes
724-249-6835
ryanhomes.com
43
ALLEGHENY COUNTY
Field Brook Farms
Richland Township
Single-family homes
724-772-8822
howardhanna.com
Foxwood Knolls
Moon Township
Single-family homes
412-287-6256
North Park Manor
Pine Township
Single-family Homes
412-720-9033
Oakridge Estates
Harrison Township
Priced from: $140,000, $170,000
single-family
School district: Highland
724-895-3876
ALLEGHENY COUNTY
Oakwood Heights
West Deer Township
Single-family homes
Agency: Coldwell Banker
724-776-2900
pittsburghmoves.com/
oakwoodheights
Paragon Place
Robinson Township
Custom estate homes
412-787-8807
Park Place
Indiana Township
Single-family homes
School district: Fox Chapel
412-963-6300
howardhanna.com
Parkview Estates
Richland Township
Single-family homes
Agency: Ryan Homes
724-443-0190
ryanhomes.com
Pleasant Ridge
Pine Township
Single-family homes
724-871-1702
Prestley Heights
Carnegie
Townhomes
School district: Carlynton
Agency: Ryan Homes
412-429-1490
ryanhomes.com
| Fall 2015
Private Acreage
South Fayette
Single-family homes
412-787-8807
Raintree Manor
Hampton Township Townhomes
Agency: Minnock Construction
Company
412-366-4770
Reddington Place
Pine Township
Single-family homes
HomeServices
412-367-8000
The Reserve at Fox Chase
Fox Chapel Area
Patio and carriage homes
School district: Allegheny Valley
Agency: Dennis Associates
412-828-7606
The Ridge at Manor
Pine Township
Single-family homes
Services
724-772-8822
howardhanna.com
Ridge Forest
Franklin Park
Priced from: $353,990 single-family,
$247,990 townhomes
Agency: Ryan Homes
724-933-3162 singles
724-934-5822 townhouses
ryanhomes.com
The Rivers Edge at Oakmont
Oakmont
Single-family, duplexes, condominiums and apartments
School district: Riverview
Services
412-427-0654
howardhanna.com
Sangree Farms
Ross Township
Agency: Minnock Real Estate Services
412-369-7253
Seabright
Single-family homes
412-874-9764
Sewickley Heights Manor
Aleppo Township
School district: Quaker Valley
Agency: Minnock Construction
Company
412-366-4770
Silver Pines
Pine Richland Townships
Single-family homes
Agency: Howard Hanna Real
Estate Services
412-934-3400
Stafford Park
Robinson Township
Single-family homes
724-871-1734
Steeplechase
Whitehall
School district: Baldwin Whitehall
Agency: Ryan Homes
724-249-6835
ryanhomes.com
Venango Trails
Marshall Township
Single-family homes
724-865-2929
Brennanbuilders.com
Stonebridge
Hampton Township
Single-family homes,
carriage homes
single-family homes;
$289,000 Custom carriage homes
SCHOOL district: Hampton
Agency: Century 21 Town
& Country Real Estate Services
724-779-2101
PghPropertyOnline.com
Village At Marshall Ridge
Marshall Township
Townhomes
Agency: Ryan Homes
724-933-4030
ryanhomes.com
Sturbridge Court
Wexford/Franklin Park
Single-family homes
412-772-8822
howardhanna.com
The Summit
Marshall Township
Single-family homes
412-366-1600
thesummit
Traditions of America at
Sewickley Ridge
Ohio Township
Single-family homes, 55+
Priced from: mid $200,000
Agency: Traditions of America
412-534-4232
SewickleyLiving.com
Venango Trails
Marshall Township
724-871-1720
Venango Trails
Marshall Township
Single-family homes
Agency: S & A Realty
1-855-SAHOME1
sahomebuilder.com
Washington Square
Jefferson Hills Borough
Single-family homes
School district: West Jefferson Hills
Agency: Ryan Homes
412-945-3641
ryanhomes.com
Whispering Creek
Hampton Township
724-779-2101
Willow Farms
Fox Chapel Borouth
Single-family homes
Priced from:$1,200,000
Services
412-963-7655
www.pittsburghmoves.com/
WillowFarms
Wiltshire Estates
Moon Township
Townhomes
412-474-3529
Wood Creek Manor
Findlay Township
412-474-3529
Aspen Field
Brighton Township
Single-family homes
School district: Beaver
412-287-6256
Barclay Hill Estates
Brighton Township
Villas
School district: Beaver Area
HomeServices
Clearwater Estates
Franklin Township
Carriage Homes
School district: Riverside
Services
724-846-5440
howardhanna.com
Goldenrod Meadows
North Sewickley Township
Single-family homes
School district: Riverside
Services
7224-775-5700
howardhanna.com
Hickory Woods
Chippewa Township
Single-family homes
School district: Blackhawk
Estate Services
724-776-2900
www.pittsburghmoves.com/HickoryWoods
Seven Oaks
Brighton Township
Golf-course community
with single-family
custom homes and
carriage homes
HomeServices
724-776-3686
Sweet Brier
Hopewell Township
Single-family homes
School district: Hopewell
412-287-6256
The Village at
Timberwood Trace
Chippewa Township
Carriage Homes
School district: Blackhawk
Estate Services
724-775-5700
howardhanna.com
Villas of Economy
Economy Borough
Condos, Townhomes and
Single-family homes
School district: Ambridge Area
Estate Services
412-366-1600
pittsburghmoves.com/villasofeconomy
Whispering Pines
Economy Borough
Single-family homes
School district: Ambridge Area
412-287-6256
BUTLER
COUNTY
Amherst Village
Adams Township
Single-family homes
School district: Mars Area
Agency: Ryan Homes
724-625-4050
ryanhomes.com
BelleVue Park
Cranberry Township
Traditional and estate single
family homes
School district: Seneca Valley
HomeServices
724-776-3686
Blackberry Heights
Adams Township
Single-family homes
Agency: Ryan Homes
724-898-1800
ryanhomes.com
Blackthorn
Penn Township
Single-family home sites/Singlefamily homes
Priced from: $66,000/$379,900
School district: South Butler
724-282-1313
northwood.com
Blossom Ridge
Butler Township
Single-family homes
School district: Butler
Estate Services
724-776-2900
www.pittsburghmoves.com/BlossomRidge
Camp Trees
Adams Township
Single-family homes
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Carriage Manor
Cranberry Township
Single-family homes
Agency: Coldwell
Banker Real Estate Services
724-776-2900
carriagemanor
Chatham Court
Adams Township
Luxury paired villas
HomeServices
724-776-3686
Cherrywood Springs
Center Township
Single-family log homes
.5 to 10 acre lots
School district: Butler Area
724-282-1313
northwood.com
Ehrman Farms
Cranberry Township
Single-family homes
724-452-1150
howardhanna.com
Foxmoor
Cranberry Township
Priced from: $230,000 townhomes;
1-855-SAHOME1
sahomebuilder.com
Foxwood Estates
Cranberry Township
Single-family homes
Estate Services
412-366-1600
pittsburghmoves.com/foxwoodestates
45
BUTLER COUNTY
Tuscany Ridge
Collier Township
Single-family homes
412-200-2781
Walkers Ridge
Collier Township
Single-family homes
412-787-8807
Ashley Ridge
Brighton Township
Single-family homes
Agency: Ryan Homes
724-218-1015
ryanhomes.com
Traditions of America at
Liberty Hills
New Sewickley
Township/ Economy Borough
55+ Lifestyle Living/
Single-family and garden homes/
Maintenance Free
Priced from: $200,000s
Agency: Traditions of America
724-869-5595
TraditionsofAmerica.com
BEAVER COUNTY
Summerfield at North Park
Pine Township
Single-family homes
Agency: Achieve Realty, Inc.
724-933-1980 X667
Village at Pine
Pine Township
Priced from: $332,990 single family,
$250,990 townhomes
Agency: Ryan Homes
724-940-4052
ryanhomes.com
BEAVER
COUNTY
ALLEGHENY COUNTY
Stonebridge
Hampton Township
Single-family and estate homes
724-871-1708
Fulton Criossing
Adams Township
Single-family homes
724-949-0079
The Gables
Adams Township
Carriage Homes
Services
724-934-3400
howardhanna.com
BUTLER COUNTY
The Gables at
Brickyard Hill
Adams Township
Custom carriage homes
& Country Real Estate
Services 724-779-2101
Lakeview
Adams Township
Townhomes
Services
724-934-3400
howardhanna.com
Leslie Farms
Connoquenessing Borough
Single-family
Priced from $200,000
School District: Butler
724-776-2900
Pittsburghmoves.com/
LeslieFarms
Leslie Farms
Connoquenessing
Borough
Single-family homes
1-855-SAHOME1
sahomebuilder.com
Georgetown Square
Cranberry Township
Townhomes and carriage
homes
Agency: Georgetown
Square Associates
412-366-4770
Madison Heights
Cranberry Township
homes
724-779-2101
Indian Meadow
Adams Township
Agency: Century 21 Town & Country
724-779-2101
Marshall Heights
Cranberry Township
Single-family homes
724-538-3911
Jackson Crossing
Jackson Township
COMING SOON Single-family homes
Agency: Ryan Homes
724-249-6835
ryanhomes.com
John Quincy Adams Estates
Adams Township
Single family homes
Agency; Achieve Realty
Kingsridge
Adams Township
Single-family homes
Agency: Ryan Homes
724-432-3989
ryanhomes.com
Kingsridge
Adams Township
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Meadow Ridge
Forward Township
Single-family homes
Estate Services
724-776-2900
pittsburghmoves.com/meadowridge
Meredith Glen Estates
Adams Township
HomeServices
724-776-3686
Oak Trace
Penn and Butler Townships
Single-family homes
Estate Services
724-776-2900
www.pittsburghmoves.com/OakTrace
| Fall 2015
The Oaks
Buffalo Township
Single-family homes
northwood.com
The Oaks
Buffalo Township
Single-family homes
School district: Freeport Area
412-366-1600
homesattheoaks.com
Park Place
Cranberry Township
Townhomes COMING SOON: singlefamiky-homes
Priced from: $219,990 townhomes
Agency: Ryan Homes
724-778-9946
Park Place
Cranberry Township
Traditional neighborhood development
single-family homes, townhomes,
condos, rentals, retail
724-776-1863
Plantation at Saxonburg
Clinton Township
Carriage homes
Priced from $210,000’s
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Plantations
Lancaster Township
Single-family homes
Agency: Brennan Realty
724-687-9097
The Pointe At Adams Ridge
Adams Township
Townhomes
Agency: Ryan Homes
724-776-5610
ryanhomes.com
Poplar Forest
Slippery Rock Borough
Single-family homes
25 lots from.6 to 5 acres
northwood.com
The Preserve West
Cranberry Township
homes
& Country Real Estate
Services
724-779-2101
Redmond Place
Cranberry Township
SCHOOL DIstrict: Seneca Valley
724-779-2101
Sarvers Mill
Buffalo Township
Single-family homes
School district: Freeport Area
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Seaton Crest
Adams Township
Single-family homes
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Shadow Creek
Cranberry Township
homes
724-779-2101
Shady Lane Farms
Center Township
HomeServices
724-283-0005
Shannon Mills
Connoquenessing Township
Single-family homes
724-282-7903
howardhanna.com
Sonoma Valley
Connoqenessing Township
Patio and courtyard homes
877-836-9177
weaverhomes.com
Timber Ridge
Lancaster Township
Single-family-homes
724-687-9097
Timberlee
Single-family-homes
724-865-2929
Brennanbuilders.com.com
Timberlee Farms
Single-family-homes
Agency: Brennan Realty
724-687-9097
The Village at Treesdale
Adams Township
Priced from: Mid-$300’s
Estate Services
412-687-0157
howardhanna.com
The Village at Treesdale
Adams Township
Carriage Homes
724-865-2929
Brennanbuilders.com
The Vineyards
Connoqenessing Township
Single family homes
877-279-1043
weaverhomes.com
Village of Harmony Junction
Jackson Township
Townhomes
724-538-3911
Vista Ridge
Adams Township
Custom Single-family homes
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Vista Ridge
Adams Township
Single family homes
877-839-1578
weaverhomes.com
Wakefield Estates
Cranberry Township
HomeServices
724-776-3686
Walden Pond
Cranberry Township
Estate Homes
724-949-0079
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47
Walkers Ridge
Worth Township
Farmlettes
School district: Slippery Rock
724-458-8800
northwood.com
BUTLER COUNTY
Weatherburn Heights
Middlesex Township
Single-family homes
New Phase COMING SOON
Agency: Ryan Homes
724-249-6835
ryanhomes.com
Wilsons Ridge
Single-family homes
724-538-3911
Winterwood
Butler Southwest
Single-family homes
Six wooded lots available
northwood.com
Wyncrest Estates
Butler Township
Single-family homes
Coldwell Banker Real Estate
Services
412-366-1600
pittsburghmoves.com/wyncrestestates
WASHINGTON
COUNTY
WASHINGTON COUNTY
Anthony Farms
Peters Township
Single-family homes
Estate Services
412-276-5000
howardhanna.com
Apple Hill
Canonsburg
Single-family homes
School district: Canon-McMillan
724-873-7455
Bridgeview
North Strabane Township
Townhomes
Estate Services
412-748-9470
howardhanna.com
| Fall 2015
Bradford Run
South Strabane Township
Townhomes and carriage
homes
Priced from: Townhomes,
$200,000; carriage homes,
$290,000
School district: Trinity Area
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Brookwood Manor
Peters Township
Luxury custom estate homes
School district: Peters
Township
Agency: Century 21 Frontier
Realty
724-941-8680
EddyHomes.com
Brookview
Peters Township
Carriage homes
Township
Agency: Keller Williams
412-831-3800
The Brookview Villas
Peters Township
Custom villa homes
Township
412-787-8807
visitparagonhomes.com
The Crossings
Peters Township
Luxury custom villa homes
Township
Agency: Century 21 Frontier
Realty
724-941-8680
EddyHomes.com
Evergreen Village
Peters Township
Villas
Township
Estae Services
724-941-8800
howardhanna.com
Fair Acres
Upper St. Clair
Priced from: Lots, $650,000
School district: Upper St Clair
HomeServices
724-833-7700
Ironwood II
Cecil Township
Single-family homes
School district: Canon
McMillan
724-871-1738
Legacy at Sunset Pointe
1st floor living, single-family
homes and carriage homes
Agency: Ryan Homes
724-745-3120
ryanhomes.com
Majestic Hills
Single-family homes
School district: CanonMcMillan
Agency: Ryan Homes
724-745-6410
ryanhomes.com
Meadow Ridge
Peters Township
Single-family homes
School district: Peters Township
HomeServices
412-833-7700
Mission Hills
Cecil Township
Carriage and villa homes
Agency: Epcon Homes and
Communities
724-223-1844
epconcarriagehomes.com
Oakbrooke Estates
Cecil Township
Single-family homes
Agency: Ryan Homes
724-873-3595
ryanhomes.com
Orchard Hill
Peters Township
Single-family homes
Township
Agency: Ryan Homes
724-873-3595
ryanhomes.com
The Overlook at Peters
Peters Township
Single-family homes
Township
724-941-8800
howardhanna.com
The Overlook/Legacy
Villaage At Southpointe
Cecil Township
Single-family homes and carriage homes
Priced from: $319,990 singlefamily,
Agency: Ryan Homes
724-745-5083
ryanhomes.com
NEWHOME
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outlook, individual and project profiles as well as in-depth feature articles on the
issues and personalities driving our region’s residential market.
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49
WASHINGTON COUNTY
WESTMORELAND COUNTY
Overlook at Southpointe
Cecil Township
Single-family homes
School district: Canon McMillan
724-949-0079
Strabane Manor
South Strabane Township
Townhomes
School district: Trinity
724-229-1470
Piatt Estates
Chartiers Township
Single-family homes
School district: Chartiers/
Houston
Agency: Howard Hanna Real Estae
Services
724-222-6040
howardhanna.com
Summerbrooke
Single-family homes
724-871-1719
Summerbrooke
Single-family homes
Agency: Howard Hanna Real Estae
Services
724-941-8800
howardhanna.com
Piatt Estates
Chartiers Township
Single-family homes
School district: Chartiers/
Houston
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
Sandy Brae Meadows
Townhomes
724-873-7455
The Summit
Chartiers Township
Single-family homes
School district: Chartiers-Houston
724-873-7455
Tuscany Estates
Union Township
Townhomes, single-family and patiohomes
$180,000 single-family
School district: Ringgold
724-348-6472
Walnut Ridge
Single-family homes
Agency: Ryan Homes
412-319-7329
ryanhomes.com
Waterdam Farms
Carriage homes
Estate Services
412-833-5404
waterdamfarms
Weavertown Pointe
Cecil Township
Townhomes
Agency: Ryan Homes
724-514-6852
ryanhomes.com
Weavertown Woodlands
Carriage homes
724-222-6040
howardhanna.com
WESTMORELAND
COUNTY
Acropolis Heights
Unity Township
School district: Greater Latrobe
HomeServices
724-838-3660
Allegheny Woodlands
Allegheny Township
Custom single-family and cottage
villas
Priced from: low $200,000
single-family and $180,000
cottage villas
School district: Kiski Area
Real Estate Services 724-339-4000
howardhanna.com
Augusta
Penn Township
Single-family homes
Priced from: Lots, $53,900
School district: Penn-Trafford
HomeServices
724-327-0444
Blackthorne Estates
Penn Township
Single-family homes
School district: Penn Trafford
Agency: Ryan Homes
724-863-2542
ryanhomes.com
Cedar Hills
Rostraver Township
Condominiums and villas
School district: Belle Vernon Area
HomeServices
724-929-7228
Cherry Knoll
Delmont
Single-family homes
Priced from: $225.000
School district: Greensburg Salem
Agency: ReMax Realty
412-856-2000
rasnoznik.net
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412-434-5690
Cherry Wood Estates
Mt. Pleasant Township
School district: Mount Pleasant
HomeServices
724-838-3660
Everview Estates
Ligonier Township
Single-family homes
School district: Ligonier Valley
Angency: Howard Hanna Real
Estate Services
724-832-2300
Foxtail Court at
Rolling Ridge
Murrysville
Single-family homes
School district: Franklin Regional
Estate Services
724-327-5161
howardhanna.com
Greenfield Estates
Unity Township
Agency: Scalise Real Estate
724-539-3525
Hampton Heights
(Formerly Carradam Golf Course)
North Huntingdon Township
One acre homesites
School district: Norwin
Agency: RWS Custom Homes
724-861-0571
rwscustomhomes.com
Harrington Way at Wendover
Hempfield Township
Single-family homes
School district: Hempfield Area
724-327-5600
northwood.com
Hawk Valley
Allegheny Township
Townhomes
School district: Kiski Area
724-895-3876
Legacy at Sunset Pointe
Canonsburg
Single-family-homes
Coming soon
Laurel View Place
Derry Township
Single-family lots
School district: Derry Area
Agency: Northwood Realty Services
724-537-0110
northwood.com
Lindwood Crest
Hempfield Township
Patio homes
724-832-2300
howardhanna.com
Mallard Landing
Murrysville
Single-family homes
724-327-5161
howardhanna.com
Meadowlane Farm Estates
Hempfield Township
Single-family homes
Agency: Ryan Homes
724-216-5737
ryanhomes.com
Meadowlane Heights
Hempfield Township
Single-family homes
Priced from: $220,000’s
1-855-SAHOME1
sahomebuilder.com
Northpointe
Hempfield Township
C ustom single-family homes
Agency: Berkshire Hathaway HomeServices
724-838-3660
Palmer Place
Unity Township
HomeServices
724-838-3660
Renaissance Heights
Rostraver Township
Single-family homes
Priced from: low $200,000
724-872-7017
Rivendell
Penn Township
Single-family homes
1-855-SAHOME1
sahomebuilder.com
Rolling Hill Farm
Rostraver Township
Single-family homes
1-855-SAHOME1
sahomebuilder.com
The Villas at Grayhawk
Unity Township
Villa style condominiums
Agency: Cedar Ridge Realty
724-832-3501
thevillasatgrayhawk.com
Serenity Pointe
Murrysville
Single-family homes
724-417-1772
howardhanna.com
The Villas of Willow Estates
North Huntington
Townhomes and grand villas
and $289,900
724-861-0571
rwscustomhomes.com
Siena Ridge
Murrysville
Single-family homes
Priced from : $500,000
Estate Services
724-327-5161
howardhanna.com
Weatherton Farm Estates
Unity Township
Single-family haomes
Agency: ReMax
412-856-2000
rasnoznik.net
Summerhill
Murrysville
Patio townhomes, stacked flats
Estate Services
724-327-5161
howardhanna.com
Victoria Highlands
Unity Township
Single-family homes
School district: Latrobe
Agency: Bob Shuster Realty
724-864-8884
rwscustomhomes.com
Village At Foxfield
Unity Township
Single-family homes
Agency: S&A Realty
1-855-SAHOME1
sahomebuilder.com
The Village at Palmer Place
Unity Township
Custom villas
Services
724-832-2300
howardhanna.com
The Village at Stonegate
Penn Township
Villas
HomeServices
724-838-3660 or
724-327-0444
Villages at Totteridge
Greensburg
Villas and manor homes
Priced from: Villas, $349,000 and
manors, $259,000
School district: Greensburg/Salem
724-327-5161
howardhanna.com
Westmoreland Community
Action
Jeannette
Single-family homes
School district: Jeannette City
724-838-9643
northwood.com
Westmoreland Community
Action
Reed Avenue
Jeannette
Single-family homes
School district: Jeannette City
724-838-9643
northwood.com
Westmoreland Human
Opportunities
Monessan
Single-family homes
School district: Monessen
724-838-9643
northwood.com
WESTMORELAND COUNTY
Glenn Aire
Unity Township
HomeServices
724-838-3660
Lincoln Hills
North Huntington
Township
Single-family homes,
townhomes and grand villas
Priced from: mid-$300,000
Single-family, $239,900 townhomes
and $289,900 grand villas
724-861-0571
rwscustomhomes.com
Willow Estates
North Huntington
Single-family homes
1-855-SAHOME1
sahomebuilder.com
The Woods of Brandywine
Penn Township
Single-family homes
School district: Penn Trafford
Agency: Ryan Homes
724-863-2542
ryanhomes.com
Yok Wood Ridge
Unity Township
Single-family homes
HomeServices
724-838-3660
51
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with Dollar Bank.
Unlike brokers or other financial institutions, our Mortgage Experts are non-commissioned
and will focus solely on your mortgage needs. Dollar Bank also keeps the servicing of our
conventional mortgages, so we’ll be there for you long after closing.
• Free pre-qualification
• $500 off of closing costs with a qualifying checking account*
• 15, 30-Year Fixed Rate and FHA Mortgages
• Low rates and fees
• 60-day rate lock with no charge
Start your house-hunting strategy at Dollar Bank!
Call 1-800-344-LOAN (5626) or visit any office or dollarbank.com.
View 11 short mortgage video tips on the Dollar Bank YouTube Channel!
Equal Housing Lender. Member FDIC. Copyright © 2015, Dollar Bank, Federal Savings Bank.
*The $500 credit towards costs at closing applies to Dollar Bank Residential Lending Department loan applications and requires Everything Checking to remain open for three
years. Everything Checking is subject to terms and conditions that may change after account opening. Ask for the Account Information Schedule for details. Offer valid for
new applications dated on or after 3/2/15 and excludes no closing cost products and government sponsored loan programs including; VA and Government Bond Loans. Rates
and terms subject to change without notice.
MOR263_15

Fall 2015 - Greater Pittsburgh`s New Home

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