brown county homes guide - oct. 2010

Brown County Homes Guide October - November 2010 1

Brown County

Homes GuideOctober-November 2010 • Free!

Opening SoonOpening Soon(812) 720-9400(812) 720-9400See ad on page 11 for See ad on page 11 for more informationmore information

Willow Manor Senior Apartments Willow Manor Senior Apartments

2 Brown County Homes Guide October - November 2010

WOODED, SECLUDED SETTING NEAR LAKE MONROE

3 Br., 2 Ba. Log Home W/fi replace insert. On 18.8 Acs. With 32 x 32 ft. barn w/2 horse stalls and 2

fl oor workshop w/2nd fl oor offi ce/studio. One mile from Crooked Creek boat launch on lake Monroe.

Sell price $225,000.00. Call 812-837-9233 for viewing.

Wow! A wonderful ranch with almost 4 acres of beau-tiful land. Perfect for a pasture! This home features: pole barn (heated), 2 car detached garage, full dry basement, huge kitchen with tons of cabinet space, sun room, laundry room and much more. This amish built home is in great condition and has low property taxes. Come enjoy nature in your backyard! Newer: windows, doors, roof and water heater.

(21027755) $159,900

48 N. Emerson Ave. Suite 300Greenwood • 317-881-3700 317-446-5853 (cell) • 317-889-3404 (fax)

944 Woodland Lake Rd.

PRICE REDUCED

RE/MAX SelectKari Lancaster

A New Begining Real Estate ........................... 17Area Appraisal Services ................................... 8Austin Insurance ............................................. 24Bob Foyut ........................................................... 2Brown County Democrat ................................ 19BTeam Real Estate and Properties .................. 6Century21/Breeden Realtors - Roberts ........... 7Century21/Breeden Realtors - Arterburn ....... 7Century 21/Breeden Realtors - Dell/Reynolds... 6Chief Realty ........................................................ 3Hills O' Brown Realty, Inc. ......................... 12-13Hills O' Brown Realty, Inc. Phil Shively Team ... 16Jane Gore Realty ............................................... 4Jarvis Realty Group........................................... 5Mike Nickels Log Homes .................................. 8RE/MAX Team .................................................. 10RE/MAX - Judy Buckmaster ............................. 8RE/MAX - Kari Lancaster .................................. 2RE/MAX - Vicky Gelfi us ..................................... 9RE/MAX - Mark Dudley Team .......................... 14RE/MAX - The Denny Pair ................................. 9RE/MAX - Hawes, Brown ................................. 18Real Living - Natalie Allen ............................... 11South Central Appraisal Associates .............. 14Sweetwater Realty ........................................... 15Tara Kritzer ....................................................... 14Willow Manor ........................................ Cover/11

Features77How to Finance Home Improvements ........... 20Around the County Photos ............................. 21Maps ............................................................ 22-23

Brown County Brown County Homes GuideHomes Guide


Chief RealtyDonna Walker • Broker John Walker • Associate

Stephanie Walker • Associate

812-597-5755 • 888-313-9079www.chiefrealty.com

E. St. Rd. 135 (next to Dollar General)

119 E WASHINGTON ST. • MORGANTOWN Historic brick home w/beautiful wd. Flrs, lot of updating has been done. Original built-ins, 2 or possibly 3 bdrms., 1 ½ ba, 2 car gar., good location, Indian Creek Schools. $109,900.

375 W. HARRIMAN AVE. • BARGERSVILLEReady to move in, 3 bdrms., 2 ba., frplc., new carpeting, applncs. included., attch. 2 c. gar. fenced rear yd., Center Grove Schools. Great location. $120,000

LAND FOR SALE

9769 N. LICK CREEK RD. • BROWN COUNTY3 bdrms., 2 ba., homes on 5.35 acres near Morgantown. 1737 sq. ft., rear deck over-looking woods, covered front porch. Great kt. w/lots of cabinets and appliances stay. Move-in condition. $117,000.

7209 E. MAHALASVILLE RD. • MORGANTOWN 32 beautiful acres w/3 Bdrms., 2 BA, rustic home plus 28x28 log cabin/shop, own cov-ered bridge over creek through property, 24x30 pole barn/shop, gazebo, 2 ponds. Acreage is wooded w/ 11 ac. in crops. Not visible from rd. I.C. Schools. $550,000.

30 40 S MARION ST. • MORGANTOWNPrime business location with high visibility at Intersection of St. Rd. 135 & St. Rd. 252. 7700 sq. ft., 2 story commercial building plus 1236 sq. ft. house to the west that is mixed zoning. In need of some repairs but priced below most recent appraisal. Lots of potential. $185,000.

5770 S. LICK CREEK RD. • MORGANTOWNTwo bedrooms with walk-in closets, two full baths, brick wall for wood-burning insert in LR, large covered front porch for your porch swing pleasure, lrg. rear deck overlooking woods, detached gar. .with storage, 2.83 ac. Morgan Co., Indian Creek Sch. $124,900

360 S. CHURCH ST. • MORGANTOWNInvestor potential. 2 bdrms., 1 ba, 1280 sq. ft., lrg. lot, needs some updating and finishing touches. IC Schools $53,000

Building Lot - Hickman Estates, Morgantown $15,90010 ac. wooded, Morgan Co., Indian Creek Schools, easy access to St. Rd. 44 and Morgan-town. $80,000 1.563 ac. building lot, all utilities available. Indian Creek Schools. $55,0001.01 ac. building lot, all utilities available.

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Indian Creek Schools. $29,90045 ac., Johnson Co. front on St. Rd. 135 near Trafalgar, $900,600Co. Rd. 100 S/ St. Rd. 135, 5.39 ac., Franklin Sch., $54,900St. John Commons, Morgan Co., I.C. Schs., near Johnson Co. line. Building tracts from 0.9 ac. to 2.4 ac., some lakefront, wooded, municipal

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water avalaible. $29,000 - $59,9000 E Oakwood Ln. Morgantown, Morgan Co., 5.55 ac., pond, wooded, IC Sch. $60,000Building lot in Morgantown. Mixed zoning. Commercial or residential. $37,00090 ac., Johnson Co., 450W, woods & pasture. $612,000

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109 BAILEY LN. • BROWN COUNTYBank-owned property sold as-is. 2 bdrm. home in need of repairs. Newer 2 car attached garage with breezeway in good condition. On dead-end road with easy access to St. Rd. 135 between Morgantown and Beanblossom. Approved buyers or cash only. $29,900

496 S 400 W - BARGERSVILLE Like new, 3 bdrm, 2 bath, 1 level, brick exterior home on 7.23 acres. 3660 sq. ft. including basement. Pole barn. Johnson Co., Franklin Schools. $314,900

PENDING

PENDING

7866 Lake LaSalle Rd.1800+ sq. ft. 2 bdrm., 2 ba., potential for 3rd bdrm. w/frplc. in walk-out low-er level, many recent updates includ-ing HVAC, lrg., maintenance-free deck, 2.54 ac., N. Brown Co. $177,000

375 W. Harriman Ave • BargersvilleReady to move in, 3 bdrms., 2 ba., frplc., new carpeting, applncs. includ-ed, attach. 2 c. gar. fenced rear yd., Center Grove Schools. Great Location $114,900

8769 S 250 W, • Trafalgar Great location on this stone & vi-nyl ext., 1.33 ac., 2 bdrm., fam. rm. w/ frplc., pond, pole barn, det. Gar., Johnson Co., IC Sch., just north of Peoga. $109,900

5835 S St. Rd. 135, • Morgantown9+ acres with this attractive, rustic in-terior, 2 bdrm., 2 ba., Morgan Co., just N. of BC line. IC Sch., pond, det. Gar./shop. $169,000

440 Highland St., • MorgantownNewly remodeled interior. Like new 3 bdrm. w/bsmt., 2 lots, rear deck, IC sch. $88,000

Morrison Rd., N Brown Co., 16.54 ac., pond, drive $99,500.

$175,000

NEW PRICE

NEW PRICE

NEW PRICE

20 S. West St. • BargersvilleSolid 3 bedroom home with large de-tached garage/shop. Includes electric range, refrigerator, washer & dryer. Newer roof. Low property taxes. $79,900 $49,000

2627 S 525 W, TrafalgarImpressive ranch style home on 2 acres in Johnson Co., Union Twp, Franklin Sch. 3 bdrm., 2 ba., large covered front porch, new hardwood fl oors, includes appliances. 1446 sq. ft. $114,900

NEW PRICE


JaneJaneGore RealtyGore Realty

“Personalized Not Franchised”812-988-6512

91 West Gould StreetP. O. Box 9,

Nashville, IN 47448Fax: 988-8812

Email:[email protected]

web site:www.janegorerealty.com

Serving Brown County Since 1982

Jane Gore, Principal Broker 812-325-5419

Karen Smith, Sales Associate 812-369-0486

Tracy Bock, Broker Associate812-350-4428

Wayne Flesher, Broker Associate 812-327-2735

ACREAGE AND LOTS

BEAUTIFUL 3 BR3 BA home, spacious rooms, mas-sive stone FP, master BR suite, quiet neighborhood near Salt Creek Golf Retreat. $183,815 #2904060

JUST THE RIGHT SPOT3 BR, 1.5 BA home on 2 acres, living room and large family room converted from 2 car garage, FP, new roof. $125,000 #2855756

CUTE 2 BR HOMEw/large rooms, stone FP, closet laun-dry room, portable A/C unit, nice deck overlooking the valley below, sellers are ready to sell. $90,000 #2842818.

GAMBREL STYLE HOME2 BR on nearly 20 acres, horse barn w/mostly fenced pasture, detached garage, hilly & rolling land, southern Brown County. $209,900 #2953918.

LARGE 1 BEDROOMlog home in tip-top shape w/a 349 degree view, high on a hill in southern Brown County, porches, detached garage, pole barn. $199,900 #2953398.

TOURIST HOMESpectacular view! 2 BR 2 BA rustic, secluded log, zoned for tourist rental, 23.74+/- acres, stone FP, H/W floors, hot tub, covered front porch. $275,000 #2960484

3 BEDROOM, 2 BATHROOMmanufactured home near Crooked Creek boat ramp 1 mile from Lake Monroe, FP, covered porch, 2 ½ car garage. $80,000 #2956943

• TWO FOR ONE PRICE Equidis-tance from Nashville or Columbus these are wooded lots w/ a choice of building sites, long road frontage, to-tal price $60,000 #2942871• 11.98+/- acres, in southern Brown County, spectacular lake and a mul-tiple choice of building sites, partial roadway is in. $79,000 #2948724• 18+/- acres of gently rolling wooded ground on Plum Creek Rd. w/lots of fl at land and a choice of building sites. $90,000 #2960502• 15.01+/- on Salt Creek Rd, there’s a good fl at building site a reason-able distance from the road. $60,000 #21011812• 14+/- acres of gently slopping ground w/a lake site at the foot of the slope, build w/a view of distant ridges. $70,000 #2960433• 11+/- acres of wooded acreage, walking distance to Lake Monroe

BEAUTIFUL 3 BR Home on pretty acre-age, H/W floors, effi-cient kitchen, Jacuzzi tub, gas log FP, wrap-around deck, 2 util-ity sheds. $165,000 #2951240

UNIQUE HOME3 BR, 2.5 BA, 2 stone FP, H/W floors, 2 levels, massive rooms, 2nd kitchen in lower level, new roof, a must see! $259,000 # 21027357

EXQUISITE HOMENice area close to the village, 3 BR, 3 BA, gas log FP, beauti-ful wood finishes throughout, H/W floors, spacious rooms, light & airy. $324,900 #21013956

and Hoosier Nat’l Forest adjoins on the back side. $43,900 #21014219• Pretty building lot adjoining the old Country Club golf course property, wooded w/some utilities available. $24,900 #21024913• 1 +/- acre building lot on Hoover Road, ground is fl at and has approved soil analysis. $20,000 #21025669• 33.46+/- wooded acres on Plum Creek Rd, good access will be via easement from Brown Hill Road. $169,000. #21023690• 32.179+/- acres in southern Brown County, 10+ acres are tillable, the rest is in trees. $160,000 # 21027067• 2 lots in Somerset Heights 3rd ad-dition, mostly wooded with soil analysis and survey on fi le. $30,000 #21019993

ACREAGE AND LOTS

RECENT UPDATES3 BR, 2 BA home, spacious kitchen w/walk-out deck, 2 car garage. $159,000. #21041788

LIKE NEW 3 BR, 2 BA home on 1+/- acre lot, 2 car attached garage, roomy living & kitchen area. $149,000. #21037492

JaneGore Realty

UNIQUE HOME3 BR, 2.5 BA, 2 stone FP, H/W floors, 2 levels, massive rooms, 2nd kitchen in lower level, new roof, a must see! $259,000 # 21027357

WOODED building lot east of Nashville with a shared pond. $20,000. #21044406

2 Wooded lots between Nashville and Columbus w/a choice of building sites. $60,000 #2942871

1 acre+/- building lot on Hoover Road, ground is fl at and has approved soil analysis. $20,000 #21025669

14 acres+/- of gently slopping ground & a lake site, build w/a view of distant ridges. $70,000 #2960433

11 acres+/- of wooded acreage, walking distance to Lake Monroe & adjoins Hoosier Nat’l Forest. $43,900 #21014219

Pretty wooded building lot adjoining the old Country Club golf course property. $24,900 #21024913

32.179+/- acres in southern Brown County, 10+ acres are tillable, the rest is in trees. $160,000 #21027067

11.98+/- acres in southern Brown County, pretty lake & building sites. $79,000 #2948724

33.46+/- wooded acres on Plum Creek Rd, good access will be via easement from Indiana Hill Road. $169,000. #21023690

18+/- acres on Plum Creek Rd, ground is rolling, fl at & wooded w/a choice of building sites. $90,000 #2960502

15.01+/- on Salt Creek Rd, there’s a good fl at building site a reasonable distance from the road. $60,000 #21011812

2 lots in Somerset Heights 3rd addition, mostly wooded w/soil analysis & survey on fi le. $30,000 #21019993

Nice 5.01+/-building lot northwestern Brown County, soil analysis for 3 BR home on fi le. $48,000 #21030693

5.12+/- acres, pond, new survey, property is on a private road east of Nashville. $28,000 #21024718

JaneGore Realty

JaneGore Realty

JaneGore Realty

GAMBREL STYLE HOME2 BR on nearly 20 acres, horsebarn w/mostly fenced pasture,detached garage, hilly & rollingland, southern Brown County.$209,900 #2953918.

JaneGore RealtyJane

Gore Realty

LARGE 1 BEDROOMlog home in tip-top shape w/a 349 degree view, high on a hill in southern Brown County, porches, detached garage, pole barn. $199,900 #2953398.

JaneGore Realty

BEAUTIFUL 3 BR3 BA home, spacious rooms, mas-sive stone FP, master BR suite, quiet neighborhood near Salt Creek Golf Retreat. $183,815 #2904060 $175,000 #2904060

JaneGore Realty

LARGE 1 BEDROOM BEAUTIFUL 3 BR


8674 Nash Dr., Princess LakesLakefront home on East Lake. Rear deck overlooks water. 2 bd/1 ba,

walk-out basement.

JarvisRealty Group

NINEVEH OFFICE:317-933-3990

www.jarvisrealtygroup.com

LISTINGS LEADERTim Armstrong

[email protected]

SALES LEADERShirley Joiner

[email protected]

Agents Ready to assist you with your real estate listing and selling needs:Marilyn Armstrong 317-431-2386Tim Armstrong 317-679-3937Doug Burker 765-346-2610Shirley Joiner 317-878-4554

Donna Lutes 812-340-1094Max Maxey 317-786-5722David Pierce 317-412-4445Tom Swears 317-430-5747

7437 Centerlake 8674 Nash Dr., Princess LakesLakefront home on East Lake. Rear deck overlooks water. 2 bd/1 ba,

walk-out basement.


walk-out basement.


walk-out basement.


walk-out basement.


walk-out basement.

7878 Maple Dr 8455 S. Kinman

LIST LEADERDonna Lutes

SALES LEADERDonna Lutes

Tai Embry-Johnson 812-345-6186Shirley Joiner 317-878-4554Donna Lutes 812-340-1094

Max Maxey 317-786-5722David Pierce 317-412-4445Tom Sweares 317-430-5747

NEW everything, gas furn., AC, fl ooring, plumbing, kitchen cabinets, counters, sink, bath, tile fl oor, lights all rms, windows, siding, deck covering 3 sides, 2 North Lake lots, Lg shed, dock, and mature trees.

Cordry-Sweetwater, Spacious, Clean, Well Kept 3Br 2Ba Lake home with terrifi c water frontage.

3 waterfont lots of 180’ frontage on Cordry Lake. NEW boathouse, EZ steps to lake. 3Br/4Ba with 2Car Gar. Updated kitchen with 2nd Kitchen area downstairs w/o stove. Home features walk-in closets, built in book shelves, new windows in lower level and a storage shed. Bonus rooms could be used creatively for guests...come see!

Single level country home w/2.875 acres, corner lot, IC Schools. New laminate fl oors, 6 panel wood doors, stainless appliances, walk-in closets in all bedrooms. 24X40 concrete fl oor pole bldg w/3 tall doors, Neutral decor updated lighting.

6244 W 600 South


walk-out basement.

120’ waterfront for gracious outdoor living. Multiple decks, including one on lower level off 9X22 Sun Room, a Large 20X24 deck by lake that features an electric boat lift with party deck above. Plenty of interior space and a two car attached garage. There is a fenced area for your pets too.

7766 ElmLakefront that is Builder's personal home, built in 2005 with attached 2 Car Garage. Home is split level, with steps up to bedrooms from entry or down to family room, kitchen & dining room. Immaculate home with many extras, ready to move in. Stainless Appliances, walk-out basement , level lot and screened porch on lakeside.

8758 S Bergman D

4Br/2Ba lakefront home on North Lake in Prince's Lakes. Home shows owner's care & maintenance. Atmosphere dining w/fi replace in dining room. Views lakeside show three major channels of North Lake. Community has municipal water, sewer, gas, high speed internet. Make this home a full time or weekend residence.

436 LakeviewBedford Stone lakehome on White Lake in Prince's Lakes, level lot in front w/no stairs to lake & dock. 2Br w/family friendly great room w/stone fi replace. Enjoy lakeviews from the sun porch off the kitchen. Even a garage for your lake gear. White lake is known for good fi shing, weekender or full time lake living...you make the choice.

436 Lakeview

7593 Grizzly

4bd/3ba log home on Sweetwater Lake, double wooded lot w/gentle slope to the lakefront, newer dock w/party deck, updated kitchen, three season room overlooking water. 2 Brown County Stone fi replaces.

6970 Grey Wolf Dr

Many updates. New decks & docks. 3 bd/3 ba, 2 fi replaces, updated kitchen with new cabinets and appliances.

Built in 1901, new kitchen, roof, hardwood fl oors, laundry, mud room & garage. Indooroutdoor riding arena, 15 stall barn, feed lot, 20x40 inground pool w/heater & automatic cover, wrap around front porch, 1881 wood peg barn, fenced pastures.

684 N 100 West Rd.2 bd/2 ba home with new decks, new docks, deep water for swimming and fi shing, boat house under the home. Newly remodeled with quality materials.

604 W Lakeview Dr

Great home w/view of Lake Lemon right out your front door. Cozy w/fi replace in great room. Updated kitchen w/lots of cabinets & counter space. Large, comfortable BR’s, wooded lot. A must see at this price!

611 S Shore Dr

Waterview with dock! Lovely Prince’s Lakes home. Only home on road, fi replace, 2 car garage, 1/2 acre.

8460 S Green Rd35 acre peninsula located on Lake Monroe Resivoir. Wooded with spectacularviews of the lake in all directions. A unique and special property.

0 E Rush Ridge Rd

8647 Nash Dr, Princess LakesLakefront home on East Lake. Rear deck overlooks water. 2Bd/1Ba, walk-out basement.


REDUCED…TWO’fer Two houses sitting on 10.75 acres, on Greasy Creek. 3 bed/2bath, CA, natural gas, fireplace, wood furnace and water conditioner. Other is an open concept 1bed/1bath, bookshelves & patio. Garage, woods and creek on Greasy Creek.$199K

Little Fox Lake

2 bd/1b ranch home, private assoc. lake. Garage, 2 acres, fruit trees, garden area and dock. Newer windows and siding. Great place to start or end up here, or weekender. 5685 Bittersweet Rd., Mor-gantown/Brown Co. $139K

REDUCED Log & frame immaculate house overlooking lake on Bear Wallow. 2bed/2bath with large finished walkout basement, 3 car heated & 1 car garages. Updated and efficient features through-

out. Metal roof, newer windows. Lakeside shed & picnic area. 8.7 acres $199K

REDUCED Near west park entrance...2 bed/2bath on nearly 6 acres. Remodeled 1920’s home, fireplace and woodstove, recent metal roof & furnace. Pole barn, pond, fruit trees and woods. Hurry...$139K.

BTEAM real estate & properties

jay balcerak-Broker, GRI Nashville, IN 47448

For your real property needs...please call Just Google search

jaybalcerak.point2agent.com for these listings and other services I offer. Thank you

Office 812 988 4591 Cell 812 929 0858

Spacious MSTR. Bdrm & Bath w/whirlpool tub, 2 docks plus covered front porch, 2 acres, 3 Bdrms, 2 baths, eat-in kitchen, 1 Bdrm on main level, private lake access available.

Peggy DellCell: 812-350-2815

[email protected]

SR 46 BUILDING LOT

1 AC building site at Gnaw Bone. Water, sewer available. R-1 zoning. Easy access to I-65. $17,500

2882 Whitehorse Rd. $239,900

• Custom built 3 bedroom, 2 bath home. • 3.99 picturesque acres• Walk-out lower level• 1,400 SF wrap around deck w/hot tub. • Fantastic views!

Kassie Reynolds

[email protected]: 812-552-6461

4149 Crainsboro Ln.$149,900

NEW LISTING

NEW LISTING


Dave & Bev

Roberts TeamOffi ce: 812-378-1715Cell: [email protected]

"Our Experience Is Your Advantage"

700 Washington St.Columbus, IN 47201

800-844-3766www.C21Breeden.com

551 Town Hill Rd.$349,900

• Large Kitchen• Master Suite on Main Level• Walkout Basement• Large Deck w/electric awnings• 3 Bedrooms, 2 Baths

NEWLISTING

1998 Harrison Ridge Rd. $229,000

• Quality Home on Almost 6 Acres• 3 Bdrms, 2.5 Bath• MSTR Bdrm on Main Level• Walk-out Lower Level• Screened Porch

NEW PRICE

NEW PRICE

120 W. Lake Dr. $169,900

Parkview

• Updated Rustic Ranch• Wooded Lot w/Lake Access• Finished Walk-out Lower Level with Fireplace & Family Rm.

SOLDSOLD

5460 5460 Christiansburg Christiansburg Rd.Rd.

$679,900$679,900

3128 Long Lake Rd.$219,900$219,900

• Brown County Retreat on Shared Lake w/5 Acres!• Brown Co. Stone Fireplace• 2 Bedrooms, 2 Baths, Screened Porch• 2 Car Det. Gar. Plus 2 Car Carport

NEW PRICE

NEW PRICE

1318 Helmsburg Rd.1318 Helmsburg Rd.$275,000$275,000

• Immaculate home on 5 acres• 2 fi replaces• Finished walkout lower level• Pond• Zoned for tourist rental

812-378-7952 812-378-1729"Get Sold On Us"

[email protected]

Let The Power of TWOTWO Work for YOU!YOU!Bob and Sandy Arterburn

NEW LISTING

NEW LISTING

412 Wells Drive$159,900

• Several Recent Updates• Home Warranty• 3 Bedrooms, 1.5 Baths• Large Family and Living Rooms

SALE PENDING

SALE PENDING

167 Hilltop Ln.$329,000

Hilltop

• Custom Log Home• Close to Nashville• 3 Bedrooms, 2 Baths• Brown County Stone Fireplace• Walk-out Lower Level

NEW PRICE

NEW PRICE

SALE PENDING

SALE PENDING


http://576StateRoad135.CanBYours.com/

On Nashville’s north side & with all-city utili-ties, this well-cared for log home is perfect for entertaining! Lovely setting on 2/3 acre lot with easy access to Indy! NEW PRICE: $199,900

OPEN HOUSE: Sat 10/9, 1-3 pm & Sun 10/17, 11-2 pm

Appraisals for morgage lending, tax assessment, divorce, estates, marketing and independent

Designated & Certifi ed Residential AppraiserServing: Brown, Monroe and Morgan Counties

Offi ce: 812-988-6424 Fax: 812-988-4924

P.O. Box 472 Nashville, IN 47448E-Mail: [email protected]

Linda S Bauer, SRA

Area Appraisal Services


PPPPPPPProuddddddddlllllllly PPPPPPPPresenttttttteddddddd bbbbbbby:

Private, Peaceful, & Perfect 7240 Hamilton Creek Road

RE/MAX Real Estate Professionals

8231 GRANDVIEW RD8231 GRANDVIEW RDBrown County home on 30 + acres of rolling woods w/small pond in middle. House has 2 full baths, 1 up & 1 down, brick gas log fi replace in family rm on lower level w/walkout. 2 BR's on main level & 1 BR plus offi ce on lower level. Large 34x41 garage that can be heated, has half bath & plenty of room for workshop & garage. 25x28 horse barn w/hay loft, two stalls, fenced pasture area. Must see to appreciate! $244,900, MLS 21001569, MIBOR 21048199

8195 GRANDVIEW RD8195 GRANDVIEW RDBrown County home on 5 acres in a secluded setting with woods and small pond. 2 bedrooms, 1.5 baths. Come home and sit on your deck and enjoy the view. Watch the deer, birds, and wild turkeys. $126,900, MLS 21001476, MIBOR 21046315

1340 JACKSON BRANCH RDG RD1340 JACKSON BRANCH RDG RDCustom brick home in very private setting on 3+ acres. 3 possibly4 bedrooms, 3.5 baths, 2 fi replaces. Kitchen features Brazilianhardwood, stainless Jenn-air appliances. Master bedroom has 2 walk-in closets, Jacuzzi tub, private shower. Finished walkoutbasement is equally impressive in quality and size. Located 2miles to Nashville, 20 minutes to Columbus & Bloomington.$359,000, MLS 21000945, MIBOR 21029684

The Denney Pair Charlie & Bev Denney 2401 Beam Rd Columbus, IN 47203 812-372-2200, ext. 104 Cell Phone: 812-343-1867 [email protected] www.homes4columbus.com

Each Office Independently Owned & Operated.

7240 HAMILTON CREEK RD7240 HAMILTON CREEK RDPrivate, Peaceful & Perfect on 9+ acres in Brown Co. 5 fi replaces, Pella windows, wal-nut fl oors. BR 4 is a 2room suite. Wrap around porches & decks made of Trex. Built by Paul Holtkamp. Fine furniture cabinetry, Elevator, 3 furnaces, barn, 3 car att. gar., 2-way satellite. Pond, creek & screened porch. Currently used as a B & B - The Manor at Tabor Hill. 4 BR, 5.5 BA. $999,900 MLS 21000657, MIBOR 21021208



BROKER ASSOCIATE, GRI 2401 Beam Rd • Columbus, IN 47203 Office: 812.372.2200, ext. 176 Cell: 812.350.0056 Email: [email protected] www.TurnColumbusUpsideDown.com

t dd bb

NEW PRICE

VIRTUALTOUR

VIRTUALTOUR

VIRTUALTOUR

VIRTUALTOUR


Trina UngerCorporate ManagerProperty Manager

Brenda LongtinLicensed Broker

CSSS, CDPR

Marg DeGlandonBroker/OwnerCSSS, CDPR

Leigh Ann BrownProperty Mngmt Assistant

to Marg/Brenda

BROWN COUNTY ACREAGE

(21002954) 3+ AC $229,900

SPACIOUS 3BR HOME

Top Rated Tourist Home Business in Brown County has 4 tourist home units

left, w/ various sq. ft, acreage, location, amenities, furnishings, appliances &

other personal property. Includes bookings & booking system, client list, misc.

equipment, web site, book of business, vehicles, & management of 4 additional

homes. Seller will train buyer or consider managing. Substantial income w/

high occupancy avg's & repeat business. Well maintained properties.

The Farm (2700633) $429,900

Heartstone(2700670) $399,900

MOONDANCE

VACATION HOMES

& MANAGEMENT

BUSINESS

(2700866) $1,400,000

Sweet Spot (2569010) $149,900

Loretta’s Cabin (2926942) $399,900

Tract # 3–5.04 Ac $114,900

SOLITUDE ESTATESNew gated community development located on

Owl Creek Rd. These building sites are a rare fi nd offering seclusion for prestige homes, year round

views and more.

Tract # 4–5.72 Ac $138,900

Tract # 5–5.72 Ac $119,900

Tract # 6–6.42 Ac $119,900

Tract # 7–6.61 Ac $119,900

NEW-PUMPKIN RIDGE RD(21045729) 20.00 AC $92,900(21045759) 12.60 AC $76,900(21045810) 10.00 AC $60,900

SOLD-GRANDMA BARNES RD(2906863) 5.67 AC $39,900

NEW– TIMBERCREST DR(21043461) 80.00 AC $320,000

NEW–4125 PLUM CREEK RD(21043581) 11.78 AC $69,900

NEW–DUSTY LN(21040164) 5.94 AC $57,500

NEW-RASPBERRY(21040168) 2.54 AC $35,000

NEW–PARK LN(21034983) .91 AC $29,900

(2858434) $259,900ANTIQUE LOG HOME

(2868588) 37.58 AC $599,900(2926841) HOME & 5 AC $399,900

BROWN COUNTY RETREAT-RANCHO VALLE

Tract # 9–5.49 Ac $42,900

(2668925) $199,900

COMMERCIAL

CHURCH

(21004219) 2+ AC $229,500 (2916419) $479,900

(2836754) 2 AC $69,900

(21019973) Unit A (21020241) Unit B EA $250,000(21026495) $109,900 (21019767) $99,900 (21020422) $87,000

(21019978) $469,000

CUSTOM LOG HOME(21020655) $367,000

CUSTOM LOG HOME(21020786) $367,000

TOURIST LOG HOME

(21022532) $291,000

BEAUTIFUL LOG HOME

(21025768) $165,900

REDUCED

(21023230) $184,900

PENDING

(21024398) $149,900

LOG GET-A-WAYVILLAGE CONDOSREDUCED PENDING

SOLD

MAJOR REDUCTION

REDUCED

SOLD

(21035864) $397,750

TUCKED AWAY LUXURY

(21033963) $54,900

FIXER UPPER

PENDING(21028829) $125,900

(2937472) 3+ AC $119,900

SOLD

SOLD

(21044706) $380,900

NEW LISTING(21043852) $214,900

NEW LISTING(21044231) $149,900

NEW LISTING(21047782) $129,900

NEW LISTING(21040664) $107,900

NEW LISTING(21047813) $109,900

NEW LISTING

(21045194) $96,900

NEW LISTING

(21004663) 5+ AC $174,900RUSTIC CHARM

(2929800) $99,900

REDUCED


13550 W 700 S, ColumbusPrivate, gated country estate on 15 wooded acres. 5 bed-room with possible 6th. 3 full baths & 1 half bath. Too many features to list! Call today!

www.Go2TeamAdvantage.com for more information.$899,000 LS 20901451

13550 W 700 S, 9699 Grandview Rd9699 Grandview RdExceptional Hilltop View, See miles of Brown county from back deck. 4BR 3.5BA home on very peaceful Brown Co. property on 6.50 mostly wooded acres.2+/- acres at bottom of hill flat. Hunters, bird watcher, or artist Dream surrounded by wildlife.

Inlaw Qrts.in basement Could possibly be B&B. Natural spring on property. Creek at bottom of hill. Lots of possibilities. A Must See!$219,900 MLS 21001600

Buying or selling your home? It's got to be real.

Cell: (812) 343-0587Offi ce: (812) 375-9233 ex.15Fax: (812) [email protected]/Natalie.Allen

NATALIE ALLEN

7440 International Dr, ColumbusGreat location! Only 1/4 mile from I-65 100x100 commercial building zoned B-4 can be used as retail

or industrial. 7500 sq ft warehouse/ shop area, 2500 sq ft offi ce area, and 2500 sq ft unfi nished mezzanine. Paved front and side parking lot. Fenced in back lot with electronic gate. Lot has potential for 30,000 sq ft addi-tion. 14' door. 24' ceilings in warehouse.$650,000 20702243

8961 Bellsville Pike, NashvilleCustom built log home on almost 17 acres of rolling Brown County scenery. Custom pine cabinets & granite countertops in Kitchen. All appliances stay. Hardwood & pine floors w/ antique nails. 3 Bedroom, Bonus Room & 2.5 Bath.

$299,900 MLS 20901520

0 Mt Healthy Rd104 acres, Wooded and rolling. 499,000 21001300

PENDING

9031 W Youthcamp Rd. 3BR 1BA 1AC Totally updated!$127,900 21001474

Spacious 1 and 2 bedrooms availableCall today to reserve

your new Apartment Home

(812) 720-940072 Willow StreetNashville, Indiana

llleeeeeeeee

Willow Manor Senior Villas55+ Independent Living55+ Independent Living


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• 2,000 sq. ft.• 3 bedroom, 2 1/2 bath• 4.8 acres• 2-car detached garage with a 2-vehicle carport• Pergola, shelter house, & pond• Sewer & natural gas• 1-acre of fenced yard with a gated drivewayOn Highway 46 East- 4 miles from downtown Nashville

$349,900$349,900Showings by appointment onlyShowings by appointment only

Call 812-650-2184Call 812-650-2184

1896 Queen Anne Cottage

[email protected]

153 E. Gould StreetP.O. Box 122Nashville, IN 47448

Phone 812-988-6216800-659-6737

Fax 812-988-7643

Serving the following Counties:Brown Morgan Monroe Johnson Bartholomew. . . .

Certifi ed Residential Appraiser

APPRAISAL ASSOCIATES

Buddy Greller

South CentralOwn your own private retreat w/6.85 acres in beautiful Brown County & easy access to I-65. Stunning log home, built in 1999 & has 3,376 sq. ft. of fi n. living space. MBR on the main level, 2 bedrooms up stairs and 1 in the fi nished basement. 2 Fireplaces, open stairs, soaring ceiling, hardwood fl oors, beautiful kit., hickory cabinets, pool, hot tub & so much more. Call toll-free to schedule your showing today!

RE/MAX Realty Group • Mark Dudley TeamDirect: 317-409-5605 • 1-888-462-5533

www.markdudleyteam.com

7704 E. St. Rd. 46, Nashville • $374,9007704 E. St. Rd. 46, Nashville • $374,900

Special Exception for Tourist Home/B&BSpecial Exception for Tourist Home/B&B


SWEETWATER REALTY8734 Nineveh RoadNineveh, Indiana 46164Open 7 days a week Call for a free color map & information.

. 317-878-4100

6426 Badger DriveWonderful location in Brown County w/lake rights to Cordry & Sweetwater. Immaculate & ready for new owners. Relax on full-width deck & enjoy nature. 2 levels, 2 BRs, 2 BA, plus den or offi ce, 2-car garage on .5 ac. $129,500

7284 Salmon DriveFully furnished lakefront home. Water is 24’ deep in a no-wake zone. Beautiful tongue-in-groove paneling on main level. Kitchen located in lower level for easy access to the lake & patio for outside enjoyment. $264,900

7292 Salmon DriveCedar Chalet on 2 heavily wooded lakefront lots w/120’water frontage on deep quiet cove on Cordry Lake. Over 2300 s.f., 2 BR plus loft BR, 2 BA, 3 levels, 3 car garage w/studio or rec room above. $349,000

7330 Cordry DriveGreat value! Priced below market. Enjoy cool breezes off lake & awesome view from 10x30 screened porch. Move-in condition home. Perfect location for full-time living & easy access to main road or week-end getaway! $315,000

7324 KiwiAffordable 2-level lakefront home with garage on Sweetwater Lake. 2 bedrooms plus guest room. Over 1500 s.f. Easy access to the lake and party deck. $189,000

7925 Duck DriveThis home will “WOW” you! At water’s edge & best location on Sweetwater. Over 2500 s.f., 4 BR 2 BA plus 12x30 fi nished bunk room below 3-car garage. 180’ water frontage, party deck, 5 boat slips. JUST REDUCED! $625,000

7956 Elm DrivePerfect for a week-end getaway at the lake! Many upgrades. New dock w/electric boat lift with 90’ water frontage. Lots of room to entertain guests. Includes 2.5 car garage. $196,900

7138 Grouper DriveCozy cottage on heavily wooded .9 ac lakefront lot in Brown County. Just the right size for a week-end retreat. Large deck for outside entertaining and just taking in nature. $198,000

7263 Lion DriveLowest priced lakefront home on Sweetwater Lake! Well-constructed 2 BR 2 BA cottage that includes a 2-car garage, 2nd kitchen & bath in basement. Picnic area & sloping walk to dock area. $165,000

7001 Opposum DriveWonderful multi-level family home, lots of space for everyone. BR & BA on each level. Fantastic location & view of main lake on Sweetwater. Immaculate & ready to move into. Nothing to do but enjoy the lake. $492,500

8289 Lilly LaneBank owned property located on North Lake in Prince’s Lakes. 2,300 sq.ft.-2 levels, super waterfront. Great family retreat. $108,000

2 level walkout-outstanding Sweetwater Lake location. Great room w/fi replace, full basement, no steps to lake, new dock and Shorestation boat lift. $290,000.

6420 Nuthatch2 level completely remodeled with stainless steel kitchen, 2 fi replaces, family/recreation room, near park area on Sweetwater Lake. $129,900

7722 Hackberry Drive Weekender cabin, 3 lakefront lots plus 3.5 acres on Cordry Lake. Great room w/vaulted ceilings, additional 4.5 acres also available. $160,000

6461 Quail Dr.Furnished ranch home with 3 lots on Sweetwater Lake. Newer oak kitchen, 2 living area, fi replace, oversized 2 car heated garage w/workshop area. $185,000.

Greywolf Drive3 level building lots totaling 1.5 acres. Borders park area on Sweetwater Lake. Enjoy the crystal clear waters of Cordry and Sweetwater Lakes. $60,000.

8221 Bluegill DriveBrand New low maintenance ranch on 1 acre+ wooded setting. Cathedral ceilings, great room, oak cabs, covered country porch, att. garage. $199,900.

Cordry and Sweetwater Lakes offer over 500 acres of crystal clear water for the enjoyment of boating, water skiing, swimming, fi shing and family enjoyment. Located in Northern Brown County convenient to greater Indianapolis, Nashville, and Columbus.

6989 Muskrat DrivePicturesque setting with 208' shoreline. Fantastic view of Sweetwater Lake from all levels. Tri-level home w/remodeled kitchen, 3 BR 2 BA, private patio. Geothermal H/AC. 2-car garage, party deck lakeside $499,900.


PHIL SHIVELYPHIL SHIVELYManaging BrokerManaging Broker988-1816 Home

DELORES PERCIFIELDDELORES PERCIFIELDBroker Assoc./Team MarketingBroker Assoc./Team Marketing

988-2227988-2227

KIM BRADYKIM BRADYBroker AssociateBroker Associate812-371-9761 Cell

158 N. JEFFERSON ST • NASHVILLE, IN • 812.988.2227 OFFICE • www.philshivelyteam.com

The

TEAMPhil Shively

LOTSNEW LISTING – TOWN OF NASHVILLE, 2 LOTS, SEWERLOT 37 #21046221•LOT 38 #21046275

$32,000 EACHPINE TREE HILLS – LAKEVIEW LOT

$49,900 #2348273

2 - 5 ACRES2 AC COUNTRY CLUB RD, 2 BR SEPTIC IN

$37,900 #210277035 ACS W/PRETTY CREEK

$37,000 #210237072.5 ACS – MOSTLY LEVEL/ SOME WOODS

$19,500 #21014772

5 - 10 ACRESNEW LISTING – 9 ACS ON BOB ALLEN ROAD

$63,000 #21043855NEW LISING – 9 ACS ON BOB ALLEN ROAD

$63,000 #21043848

9.79 ACS $79,900 #21020778

8.915 ACS, OPEN PASTURE$69,000 #21017648

5 ACRES – 2 BLDG SITES $34,500 #21014793

8.8 ACS WOODED NORTH LOCATION$35,000 #21015090

5ACS – NORTHERN BROWN COUNTY $34,500 #2951623

5+ ACS 4 MILES FROM NASHVILLE$49,000 #2915146

6 MINUTES TO TOWN3-7 AC lots - configuration neg. Co. water

avail. $50,000 per lot. #2914535, #2914536,

#2914538

10 - 20 ACRESNEW LISTING – 10 ACS WOODS, POND SITE

$65,000 #21044557NEW LISTING – 17 ACS ON BOB ALLEN ROAD

$99,500 #21043775PRICE REDUCTION 14 ACRES HURDLE ROAD

$115,900 #2102690313.936 ACS OPEN/WOODS, HORSE POTENTIAL

$89,000 #2101765711.97 ACS WOODS/VALLEY

$45,000 #2951509WOODED 10 ACS - HOOSIER NATʼL FOREST

$75,000 #2934599

20 - 50 ACRES NEW LISTING – 21 ACS, OPEN MEADOW, POND

$179,900 #2104751425.85 ACRES - OPEN MEADOW, WOODS,

CREEK$167,000 #21025494

39.904 ACS - GENTLY ROLLING HALF OPEN, HALF WOODS

$169,000 #2101759444.925 ACS – WOODS/OPEN/GENTLY

ROLLING$189,000 #21017620

41.75 ACS – MAJESTIC RIDGE TOP$199,900 #21017003

47.8 ACS NEAR HOOSIER NATʼL $274,850 #2831044

OAK GROVE – 36.5 AC – QUIET VALLEY$149,900 #2752758

50 ACRES PLUS

LONG WOODED RIDGE TOPS, OPEN MEADOWS, HUNT-ING TRAILS

$395,000 #2102860953.84 ACS/HORSE POTENTIAL/ATVS

$249,000 #2101763270 AC NEAR STORY

$359,000 #291269956 AC secluded woods, creeks, open &

wooded. $189,000 #2743038

200 ACS BETWEEN STONEHEAD/STORY $750,000 #2906611

3 BR/ 2 BA, 3.97 ACS$75,000 #21047400

LAKEWOOD DR – LAKE LEMON$365,000 #21047841

4 BR/3 BA, LARGE LOG HOME$298,000 #21037779

NEIGHBORS YELLOWWOOD LOG W/ADDITION 6.72 ACS

$174,900 #21031371

ULTIMATE VACATION LODGE$997,000 #2823721

TOURIST RENTAL

ADJOINS STATE PARK/LOG/HORSE BARN. RENTAL OR ALL-YEAR HOME

$335,000 #2752800

TOURIST RENTAL

SOUTHERN COMFORT TOURIST RENTAL OR ALL YEAR HOME

$269,500 #2834981

TOURIST RENTAL

SENSATIONAL LOG, 4 BR, POND

$396,500 #21019878

EDGE O’TOWN CONDO$124,900 #21042631

FARMHOUSE 13.25 ACS ADJ YELLOWWOOD

$182,000 #21041566

PRICE REDUCED

TOURIST RENTAL

1940’S FARMHOUSE, 19.75 ACS

$124,900 #21036303

BEAUTY OF ANTIQUE LOGS, 2,750 SQ. FT.

$294,900 #2935298

3 BR ON 5 AC - NEAR STORY

$124,900 #2912720

REPRODUCTION LOG$249,000 #21046005

PRIVACY IN CONVENIENT NEIGHBORHOOD

$175,000 #21032473

1-LEVEL, 3BR, POLE BARN, SEWER

$106,400 #21027250

PENDING

70 ACNEAR STORY

$356,900 #2912699

3 BR/2BA/ 1CARGAR/CUL-DE-SAC

$92,900 #21033187

BARTHOLOMEW CO.

TOWN HILL, IN-LAW APT, 3 AC, DSL

$265,000 #2951311

PRIVATE, 5 ACS, 2 STORY GAR.$228,000 #21041932

TOURIST RENTAL

3 BR, 2 BA, WALKOUT, LAKE SITE 5.6 ACS$143,000 #21014157

BEAUTIFUL LAKEFRONT, 3.5 ACS

$239,900 #21046534

HORSE PROPERTY ADJ TO PARK

$245,000 #21038394

RETREAT ON THE CREEKFRPL, HOT TUB

$253,900 #21030817

TOURIST RENTAL

LAKEFRONT LAKE LASALLE – LIKE NEW 3 BR

$239,500 #21029532

PENDING

3 BR/2.5 BA, APT, POND, 5 ACS

$249,900 #21009490

PRIVATE, BARN, 3 BR/2 BA , 12.82 ACS

$158,000 #21044478

SPOTLESS 3 BR, POND, POOL

$152,900 #21029721

STARTER HOME OR DOWNSIZE

$60,000 #21043647

LOG CABIN/7 AC & SHARED POND

$119,900 #2853600

ThThTh


2010 The Year of New Beginnings. CALL TODAY, if we don’t have the answers we know where to get them.First time Buyers, Homeowners, Investors Give us a call.

Members of the Columbus, and Indianapolis Board of Realtors. Our phones are answered 7 days a week.Here to serve you. Our Sellers and Buyer. No hidden cost to sell your home.

No promises we can’t keep. OFFICE: 812-372-3900 FAX: 812-988-6741

A New Beginning Real Estate

812-372-3900812-372-3900

Steve McDonaldREALTOR344-1936

Christie SimsREALTOR343-0911

April HeltmanBroker

371-2554

W 450 S LOT

OGILVILLE ACRES

100x198

Water & Electric Available

MLS# 21001264

$18,000$18,000

8421 W 450 S3 Bedrooms1 Bath1 Car Attached Garage24x32 Garage/Workshop Det.Lots of Updates. Must SeeMLS# 21001263$129,900$129,900

COMMERCIAL 1 ACRE

BROWN COUNTYGeneral Store & Deli2 Bedroom AptFull BasementGreat LocationMLS# 21000678$249,900$249,900

16120 S. JONESVILLE RD3 Bedrooms2 BathDetached GaragePaved Drive, 2 LotsMLS# 21001177

$56,000$56,000

8913 BUFFALO PIKE

BROWN COUNTY3 Bedroom, 1.5 bathsStocked pondBorders Hoosier National ForestMLS# 21001431$269,000$269,000

5890 HIDDEN LAKE

LANE, NINEVEH

3BR/3B

Home has never been

lived in.

All appliances included.

Stocked spring-fed

pond. Many upgrades.

13 + ACRES

BECKS GROVE ROAD

Water and electric

available

112 N WALNUT

EDINBURGH

2 BR 1 BA

Corner Lot, unfi nished

basement

7275 HAMILTON

CREEK ROAD

COLUMBUS

Custom Log Home, 4

BR 3.5 BA

Stone fi replace in

master suite

Finished Walkout

Basement, 25.95 Acres

Brown County

$42,000$42,000

$62,000$62,000

$179,900$179,900

$599,000$599,000


812-3

72-2

200 w

ww

.ho

mes4co

lum

bu

s.c

om

Outstanding Agents

Outstanding Results

REAL ESTATE PROFESSIONALS2401 Beam Rd, Columbus, IN 47203 • 812-372-2200 • 866 57REMAX

“Each office independently owned & operated.”

It's A Family ThingLet our family help your family find the perfect home

Diane Brown-Hawes & Nancy Ann BrownOffice: 812-372-2200, Ext. 119 Cell: (812) 371-8343

[email protected] www.diane-nancyann.com

2131 Park Ave - Columbus3 Bedroom on 2 Lots, New Furnace,

Updated Bath, Fresh Paint,Unfinished Basement, 3 Car Garage

MLS 21000635 $68,000

8869 E Georgetown Rd - Columbus6 Acres with Pond, Wrap Deck,

3 Bedrooms, 3 Baths, Large Sun Room,Finished Walkout with Fireplace

MLS 21000645 $350,000

208 S Poplar StStone/Vinyl Ranch, Double Lot,

2 BR + Bonus Room, 1 Car Attached Garage + 2 Car Detached Garage

MLS 21001467 $97,500

2031 Pinewood DrOne Owner, 3 Bedroom, 2 Bath,

Florida Room, Vaulted Ceilings, Large Kitchen, Master Bedroom Suite

MLS 21001022 $178,900

NEW

202 N Grant St2 Businesses for 1 Price!

Self-Serve Car Wash, Laundromat,Lots of Parking

MLS 21001087 $169,900

Happy Halloween

NEW PRICE


The NewspaperThe NewspaperAll Around Your World...All Around Your World...

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Brown County Democrat

20 Brown County Homes Guide October - November 201020202020202020202020202000002020002020202020202020202202022220000000020202002020202020202020202202022000002020202020202020202020220202222002002002020202022020202220200020020202020202202020202020200200000202202022020202000020000202020202020202022020202000020202020222020020202022202020202200220202002022200000202220200022200000220002202002222000020222222000202022222000002220022222222200000022220202220000002222222020002220022222000022200002222220000222222220222222222222222222022222222222222220022222202200220222220222222222222200 BBBBBBBBBBB BBBBBB BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB BBBBBBBBBBBBBBBBBBBBBBBBBBBBB BBBBBBBBBBBBBBBBBBB 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In this economic climate many homeowners are opting to stay put rather

than trying to sell their homes in a buyer’s market. In turn, they’re looking for ways to improve upon their home investment. Renovations to properties are continuing despite slow growth in the housing market. Renovations may bring about a return on money spent if done right, but they do require a preliminary investment of funds. The key is fi nding the best way to fi nance home renovations.

Cash Cash is the most economical way to fi nance improvements, provided you have enough discretionary money in accounts to cover costs. You do not incur any fi nancing charges or interest, and will not be penalized for past-due credit payments. It is a good idea to keep all of the receipts for purchases made toward home improvements. Though home improvements are typically not tax-deductible, certain improvements, such as purchasing energy conserving appliances and other environmentally friendly renovations, may be eligible for a tax credit. Your accountant or another tax professional may be able to provide further information regarding tax credits.

Personal Loans If you do not have cash on hand, you may want to take out a loan to fi nance the costs of improvements. Just weigh the advantages and disadvantages of the

loan. Will the i n v e s t m e n t be worth the interest you will have to pay on the a g r e e m e n t over the life of the loan? Sit down with a loan offi cer at your local bank to

go over options with reasonable terms before committing to the renovations.

Credit Cards Paying for a renovation on a credit card can be a viable option for quick funds, provided that you are of the mind of paying off the balance when the bill comes, and not carrying it over from month to month. Otherwise, high fi nance charges on certain cards could end up costing you a great deal. Check the terms of your credit card. You may fi nd incentive deals for using your card at home-improvement retailers. Some cards also offer discounts on purchases if you make your purchase through their site with one of their partners. This could save you a percentage on the purchase and be well worth using plastic to pay.

Home Equity Loans/Refi nancing If you have been considering

refi nancing your home to take advantage of lower interest rates, you may want to use a portion of your equity to fund home improvement projects. For homeowners who are planning to stay in their homes for several years and do not mind starting from the beginning again on a loan, home equity loans can be a way to free up cash now, and also benefi t from lower interest rates. Not all lenders have the same rates and terms regarding home equity loans and the refi nancing process. Request quotes from several lenders to fi nd a deal that works for your situation. Also, keep in mind that closing costs may be required if you are refi nancing, because essentially you are closing on a home, again. You will need to factor these costs into your loan.

Title I Property Improvement Loan Program According to the U.S. Department of Housing and Urban Development (HUD), if the equity in your home is limited, the answer may be an FHA Title I loan. Banks and other qualifi ed lenders make these loans from their own funds, and FHA insures the lender against a possible loss. This loan insurance program is authorized by Title I of the National Housing Act. FHA-insured Title I loans may be used for any improvements that will make your home basically more livable and useful. You can use them even for dishwashers, refrigerators, freezers, and ovens that are built into the house and not free-standing. You cannot use them for certain luxury-type items such as swimming pools or outdoor fi replaces, or to pay for work already done.

How to Finance Home ImprovementsStory and photo courtesy of MetroCreative Services

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