Cambridge Real Estate Guide-January 2012

The Daily Jeffersonian - Real Estate Monthly - January 2012 Page 1

Determine How Much Mortgage You Can Afford

By Dave Ogle, PresidentCambridge Board of REALTORS

10016113

Dave Ogle

Sincerely,Dave Ogle

By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget, according to Dave Ogle, President Cambridge Board of Realtors.

1. The general rule of mortgage affordabilityAs a rule of thumb, you can typically afford a home priced two to three times your gross income. If you earn $100,000, you can typically afford a home between $200,000 and $300,000.To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and commu-nity association fees, if applicable, as well as costs specific to your family, such as day care costs.

2. Factor in your downpaymentHow much money do you have for a downpayment? The higher your downpayment, the lower your monthly payments will be. If you put down at least 20% of the home’s cost, you may not have to get private mortgage insurance, which costs hundreds each month. That leaves more money for your mort-gage payment.The lower your downpayment, the higher the loan amount you’ll need to qualify for and the higher your monthly mortgage payment.

3. Consider your overall debtLenders generally follow the 28/41 rule. Your monthly mortgage payments covering your home loan principal, interest, taxes, and insurance shouldn’t total more than 28% of your gross annual income. Your overall monthly payments for your mortgage plus all your other bills, like car loans, utilities, and credit cards, shouldn’t exceed 41% of your gross annual income.Here’s how that works. If your gross annual income is $100,000, multiply by 28% and then divide by 12 months to arrive at a monthly mortgage payment of $2,333 or less. Next, check the total of all your monthly bills including your potential mortgage and make sure they don’t top 41%, or $3,416 in our example.

4. Use your rent as a mortgage guideThe tax benefits of homeownership generally allow you to afford a mortgage payment–including taxes and insurance–of about one-third more than your current rent payment without changing your lifestyle. So you can multiply your current rent by 1.33 to arrive at a rough estimate of a mortgage payment.Here’s an example. If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership.However, if you’re struggling to keep up with your rent, consider what amount would be comfortable and use that for the calcuation instead.Also consider whether or not you’ll itemize your deductions. If you take the standard deduction, you can’t also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a “what if” tax return, can help you see your tax situation more clearly.

Real Estate Monthly - January 2012 - The Daily Jeffersonian

1001

6118

scott-oglerealty, inc.

DAVE OGLE 260-0290, $99,500




Brand NEW construction, features 2 BR, vaulted ceiling, gas fireplace, lrg 2 car garage and all

appliances furnished,. Close to City Park. Immediate Possession. 1515 Clairmont Ave.

Beautiful 3 BR Ranch on scenic corner lot. Firm Price w/Mineral Rights. Only 2 mi. off SR 660.

60341 Christian Hill Rd.

QUALITY HOME


DAVE OGLE 260-0290 $84,900

PARK LIKE SETTING





Spacious 4 BR 2 BA Home on half ac. wooded lot. Features newer Master Suite, finished den, beautiful hardwood floors

and walk-out bsmt. Close to Boat Launch. Just off I-77 Exit #54. 10245 Plainfield Rd., Kimbolton.

3 BR w/garage, full basement, gas heat, newer t-pane windows, roof + spouting. Immediate Possession.

748 Bellview Ave.


DAVE OGLE 260-0290


MINI FARM ON 11 ACRES

DAVE OGLE 260-0290, $39,500

NEW

LISTING!

DAVE OGLE 260-0290 MIKE HILL 255-4112 $129,900

MIKE HILL 255-4112 $75,900 MIKE HILL 255-4112 $69,900

DAVE OGLE 260-0290 $157,500

DAVE OGLE 260-0290 $99,500

Exceptional 3 BR, 2 BA Mfg Home w/den room and 3 car garage on dead-end Whippet Lane. Beautiful

yard, several storage bldgs. + security system. 71173 Old 21 Rd. Kimbolton.

Immaculate 3 BR, 2 BA Mfg. Home on near 2 acres. Beautiful gardens and lots of deer, turkey and wildlife.

70155 Hopewell Rd.

Lovely 3 BR, 2 BA Home overlooking scenic valley, new carpet, water heater and kitchen updates. Fenced, landscaped yard and 2 storage bldgs.

68501 Hopewell Rd.

Lovely 2 story, 3 BR home near park and schools. Large living room w/built-ins, bonus room, kitchen w/

separate dining room, attic could be 4th BR. 718 Oakland Blvd.

Beautiful 3 BR, 2 BA Home on corner lot features hardwood floors, lovely kitchen, all season sunroom and bonus family room. Complete w/Appliances. $2,000 update allowance, 5631 Dogwood Lane.

EASY TO I-77

MUST SEE HOMEFENCED 1.371 ACRES


MIKE HILL 255-4112 $88,900

Lovely 3 BR Home on 5 part. wooded acr. in Old Washington area. Features large kitchen w/lots of

cabinet space, sep. dining area, covered porch and 2 car det. garage. 18244 Laughman Rd.

NEAR COUNTY FAIRGROUNDS

RIDGEWOOD ACRES

BELLVIEW AVE. - $41,900 CLOSE TO SCHOOL AND YMCA

Spacious 4 BR home, features oak woodwork, gas heat, large entry off front porch, back deck, 2 car garage.

Immediate Possession. 1305 Blaine Ave.

NEWPRICE!

DAVE OGLEBroker/Realtor

260-0290scott-ogle.com

740-432-73331132 Highland Avenue

Cambridge, Ohio 43725realty, inc.realllty, inc.

SALT FORK PARK REGION

Spacious 3,000 sq. ft. Home, 3 BR, 31x39 top floor for add’l. bedrooms, full walkout bsmt., gas heat, and 4 car

garage/shop. 63833 Rosedale Rd., Salesville.

FREE GAS! AND 5.9 AC.

DAVE OGLE 260-0290 $125,000


MIKE HILLReal tor

255-4112

DONNA HILLReal tor

255-4034realty, inc.scott-ogle.com

740-432-7333

1001

6119


DAVE OGLE 260-0290, $495,000




Great location just minutes off I-77. Includes all equipment, D-5 Liquor License, seats 88 and plenty of

parking. Owner motivated to sell! Central Ave.

Well maintained, spacious, 4 BR home on large lot. Features an updated kitchen with oak cabinets, main floor master bedroom with full bath and main floor laundry. Home also features a 2 car garage,

2 out buildings and covered patio. 1606 Stewart Ave.

Well cared for 2,650 sq. ft. Bldg., Gas Heat, C/A, Dry Bsmt Sys., kitchen, multi-purpose rooms and off

street parking for 30 cars. 813 Madison Ave.

LONG BRANCH RESTAURANTLOOK! 4 BR


DAVE OGLE 260-0290, $199,500

2900 SQ. FT.




Apt. Bldg with 12 1-BR units, 27 storage units: (6) 5x10, (9) 10x10, (12) 10x20, 1 MH Pad, on 1.23 ACRES. $4,800/mo.

Old Byesville Rd. and Register Rd.

Located on a 45x120 lot w/parking in rear alley. Each 1 BR unit has separate utilities. RENT INCOME $950/mo

and downtown location. 413-415 S. 12th St.


DAVE OGLE 260-0290, 42,500


MULTI-PURPOSE BLDG.

DAVE OGLE 260-0290, $325,000

DAVE OGLE 260-0290, $69,500 DAVE OGLE 260-0290, $179,500

DAVE OGLE 260-0290, $24,500

DAVE OGLE 260-0290, $199,500MIKE HILL 255-4112, $75,500 DAVE OGLE 260-0290, $69,500

Close to downtown and Courthouse. Spacious 1st fl Office with 6 rooms, 2 BA and UPSTAIRS has 2 apt. potential. Paved parking at front and rear. 813 Steubenville Ave.

Camb. Machine Building on 1.097 acres, 29,309 sq. ft. masonry bldg. sold “AS IS”. Railroad frontage.

128 Steubenville Ave.

6+/- acres located on Plainfield Rd. (SR 541) near Birds Run. Includes small garage, well, septic and wooded home site. Great for fishing and hunting.

6176 Plainfield Rd., Kimbolton.

Commercial Bldg and Real Estate Only. Paved parking for 26 cars. Currently rents @ $1,500/mo.

Near US 40. 313 Dewey Ave.

HISTORIC DISTRICT

WILLS CREEK FRONTAGE


DAVE OGLE 260-0290, $39,500

Well insulated 1 BR Home on half acre lot features open living area, patio and chain link fence. Attached

2 car garage adds security. Just off I-77. 56425 Dover St., Buffalo.

PRIVATE & SECURE

EXCELLENT LOCATION

BRICK DUPLEX POINT RESTAURANT

Very well known and successful business for over 90 years. Incl. D-5 Liq. License, ALL EQUIPMENT, private office + plenty of parking. On the corner of Highland and Steubenville Ave.

GREAT INVESTMENT PROPERTY

COMMERCIAL / INVESTMENT / LAND

LAND FOR SALE5.9 AC .......Plainfield Rd., Kimbolton ........ ..........$24,500

5 AC ..........CR 36, Pleasant City .............. ..........$25,000

3.5 AC ........Battle Ridge Rd .................................$28,000

5.3 AC .......Broadhead Rd., Kimbolton ..... ..........$49,500

15 LOTS ......Quail Hollow Rd ...............................$79,500

5 ac ..........Southgate Rd ...............................$1,750,000

NEW

LISTING!

NEW

LISTING!


10015836

www.wbgreen.com

626 Wheeling Ave., Cambridge, Ohio 43725

740-439-1329

YOUR PAST, PRESENT AND FUTURE.

10016103

Gibson-Turner & Assoc.123 S. 9th St., Cambridge

(740) 439-7653 • 1-800-457-6864www.century21gibson-turner.com

Each office is independently owned and operated

Lori Czigans255-0766

REALTOR OF THE MONTHDecember 2011

REALTOR OF THE YEAR2011

Amanda Mignano740-238-1260 RHONDA MARVIN

740-680-4707

REALTOR OF THE MONTHDECEMBER, 2011

REALTOR OF THE YEAR2011

RHONDA MARVIN10016105


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The Daily Jeffersonian - Real Estate Monthly - January 2012 Page7

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Chris Gibson-Turner584-7653

Janet Brockwell439-1499

Karen DiGenova584-3056

Shelly Killiany680-0960

Jane Rawlings705-0433

Gibson-Turner & Assoc.EQUAL HOUSINGOPPORTUNITY

123 9th St., Cambridge(740) 439-7653 • 1-800-457-6864

Each office is independently owned and operated.www.century21gibson-turner.com

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Gibson-Turner & Assoc.www.century21gibson-turner.com

Each office is independently owned and operated

Amanda Mignano

740-238-1260

2011’s Realtor of the Year!123 S. 9th St., Cambridge

(740) 439-7653 • 1-800-457-6864

GGibb TT & AA

this 3 Bedroom 2 Bath home has Family and Living Room. Triple Wide on 3 Acres. Needs TLC. Selling as is. $29,900 #3283433

2 Barns and storage trailor and fenced in area. Priced to sell! #3280279

With its private location, this 2 Bedroom Ranch home rests on 3.4 acres. Walk-ing distance to Seneca Lake. Home comes mostly furnished with furniture and appliances. There are 2 sources of heating. Home has newer roof, gutters, exterior paint, 50 gallon water heater, refrigerator, carpet, and more. #3213970

3 Bedroom 2 bath home with family and living room. All on one floor. 3 CAR detached garage with furnace, water, electric, and full bath. Fenced in back yard! $51,900 #3238388

Price reduced $7,000! 17 Acres of wooded property perfect for hunting wildlife or building a dream home. Road frontage on Early and Union Hill Road. Newly surveyed. #3276013

One floor living. 3 Bedroom, 2 Bath home with open area concept. Living and Family room, Dining and Laundry Room. There are many new improve-ments. Newer carpet in living room, laminate, subflooring, new master bath, screened in back porch with newer roof, and more. $59,000! #3283775

3 Bedroom, 1.5 Bath Ranch located in a beautiful setting on 47 acres. Fin-ished walkout basement features additional kitchen with laundry area, 4th bedroom, half bath & family room with fireplace. Fenced in pasture, barn with electric & 2 car detached garage. Back up generator system. Home is heated with free gas & has newer gas hot water heater, gas furnace, & CA. #3279051

2 Bedroom home on 10 acres! New siding, windows, and deck. Newer oil furnace w/central air. Area good for hunting, fishing & trapping. $59,900! #3279350

3 Bedroom home. Living room with fireplace, formal dining room, and large entry foyer. One car attached garage. #3189799

5 acres $12,500! Country setting with some woods but mostly cleared land. Perfect lot for build-ing a new home or for recreation. East Muskingum School District. #3276016

with vinyl siding, windows, and deck. 2 Bedroom 1.5 Bath with large full bath. All appliances stay.Home is insulated and has newer furnace motor and has CA. Owner is motivated. #3284867

Just move in to this 2 Bedroom, 2 Bath home with a 2 car detached garage on 1 acre. Appliances stay. 2006-07 updates include Dry-wall, Furnace, CA, Flooring, Septic, Vinyl Siding, Roof, Windows, Doors, Deck, and more. #3277636

Located on N. 10th Street this 4 BR 2 Bath home is in need of TLC but is priced to sell at $22,500. Seller is motivated and wants an offer. #3268548

Nice city lot with 2 car garage on property. All utilities present from previous home on property. Seller wants offers! #3239761

LOCATED IN NORTHGATE

3.73 ACRES $14,900!

2 BEDROOM RANCH ON 3.4 ACRES!

BANK OWNED!

KIMBOLTON ACREAGE

SELLER IS MOTIVATED!

47 ACRE FARM

RAISED RANCH ON TEN ACRES!

NORTH 8TH STREET

NORWICH LAND

2003 SINGLE WIDE TRAILER

MODERNIZED HOME ON 1 ACRE!

MAKE AN OFFER!

CITY LOT WITH UTILITIES

1001

6120

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10016792

Jeff Koehler recently completed the three-year program at Certified Auctioneers Institute. Auctioneer, Jeff Koehler of Lepi & Associates recently completed his training at the prestigious Certified Auctioneers Institute (CAl). The CAl program is the industry's premier training program developed by the National Auctioneers Association (NAA) for auction professionals.

Taking three years to complete, the CAl designation is the industry's most respected professional designation an auctioneer can achieve. CAl is an intensive, executive development program offering professional auctioneers with instruction

Zanesville Auctioneer Completes Industry’s Premiere Training Program

and coursework in business management, ethics, finance, communication, strategic planning, and marketing. Conducted every year in March at the University of Indiana, CAl candidates join auctioneers from across the world to be to be taught by the nations most distinguished and respected leaders in the auction industry.

Jeff Koehler offers a Full Service Auction Company and specializes in Real Estate Auctions including Land & Farm and residential. Koehler has been in the auction industry for approximately twenty years and has the experience needed for successful auctions with his product knowledge and marketing skills. Antiques and Art Pottery auctions has been a vital point of Koehler for many years and has sold fantastic collections from across the Untied States & claim several record-breaking prices at these auctions. Koehler also offers Professional Downsizing Services providing downsizing and senior moving services with care and compassion. Auctioneer Jeff Koehler offers Turnkey Estate Settlement networking with Estate Professionals for many years. Koehler is a member of the Ohio Auctioneer's Association and the National Auctioneer's Association and carries the Certified Auction Institute (CAl) and Accredited Auctioneer of Real Estate (AARE) designations.

Jeff resides in Muskingum County. To learn more about Jeff,

please contact 740-819-8441 or visit www.LepiReaIEstate.com


Visit us online at www.mccollister.us to review all of our listings.

THE “SIGN” OF SUCCESSTHE “SIGN” O

McCollister & Assoc.,REALTORS®

$124,900 - Located in New Concord, two story home close to Muskingum University with 4 bedrooms, 2 baths, formal dining room, eat-in fully applianced kitchen, includes washer and dryer, natural woodwork throughout and 2 car attached garage. East Muskingum Schools. Call Susan Rae McCollister at 740-252-1602.

Susan Rea McCollister740-252-1602

10016324

112 THOMPSON AVE., NEW CONCORD

REALTOR OF THE MONTH

DECEMBER 2011

THERESA WHITE255-0492

28 E. Main St., New Concord • 866-310-0964 • 826-7557

Lori Durant, Broker REAL ESTATE

10016108

1620 E. Wheeling Ave., Cambridge 439-1111

www.carolgoffrealestate.com

903 Steubenville Ave. 740-439-6666

Call For Our Marketing Strategy On Your Property!

REALTOR OF THE MONTHDECEMBER, 2011

10016107

MARCY FREDERICK(740) 584-7331

REALTOR OF THE YEAR, 2011


1620 E. Wheeling Ave., Cambridge439-1111

1108 Maple Ave., Zanesville454-6777

28 E. Main, New Concord826-7557

2465 Panther Dr. NE, Suite BNew Lexington

343-4161

431 Center St., Dennison229-7231

“We Always Have Time For You”

Lori Durant, BrokerLori Durant Broker REAL ESTATE

Marty & Jeff Prindle319-0582 • 221-0039

Sis ToddBroker, 454-8468

Kathy Warne297-1803

Coleen Tiffner680-0681

Ron Thompson683-7089

Stacie West408-7533

Dixie Zigo607-4857

Shannon Adams819-1641

J. Eric Levengood330-309-0150

Wes Galbraith330-243-2833

Dan Behtel607-6154

Sue Smith330-447-4118

Pam Harmon330-340-6217

Rick Keffer, Auctioneer330-339-3536

Randy Seiber330-401-2180

Theresa White255-0492

Judy Woodard680-0931

Betty June Wolfe685-2911

Bob Wheatley584-9892

Derek Hannahs584-3373

Don Warden260-8253

Mark Richards584-3373

Carl BirneyAuctioneer 630-7181

Raymond Buckey685-5594

Shanna Wayble432-8426

Kim Wilson680-2040

Peggy ParryBroker, 680-2060

JoAnn Mason432-2228

Martha Seresun685-8000

Greg Parry680-4734

Karen DiGenova584-3056

Dave Parry584-8553

10016160

Sue Crews819-5829

Ric Dodson819-3088

Lori DurantBroker, 704-5511

Don ThompsonBroker, 319-9999

Lorie Kemp624-4411

Carol Goff819-2301

Chris Jarvis704-6305

Christina Ethell296-7580

CAMBRIDGE / NEW CONCORD OFFICE

ZANESVILLE OFFICE

DENNISON OFFICE NEW LEXINGTON


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2645 Panther Dr. NE Suite BNew Lexington

343-4161“We Always Have Time For You”

10010973Visit us at www.carolgoffrealestate.com

703 N. 7th St.Cambridge

Congratulations Karen DiGenova for her outstanding performance in 2011. Karen has over 20 years experi-ence, a real grasp of the real estate market and is dedi-cated to each of her clients. "Karen is a real asset to our company. She works hard to see that each of her clients understand the process of buying/selling a property and that it is done right.” Karen has been a million dollar pro-ducer for many years and has been recognized by the OAR for her efforts. Karen resides in Cambridge, is the mother of 3, and has 4 grandchildren.

The GROSS MANSION, located at 703 N. 7th St is an amazing display of design and craftsmanship. This historical home, located near the City park was built in 1921, and has approx 12,000 sq ft of living space. Fenced 1+ acre, stucco, stone and brick exterior. The large rooms include a library, formal dining room, living room, family room, breakfast room, butler’s pantry and 4 spacious bedrooms. Beautiful fireplaces and detailed tile work. Longing to return to its Grand & Elegant stature, this home awaits.Call Carol for more details or to tour this magnificent home. 819-2301

Realtor Of The Year

KAREN DiGENOVA

740-584-3056


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This 2-story farmhouse, built in 1901, is immaculate! Darling 2 bedrooms, wrap around porch, beautiful woodwork, country setting & public water. $99,900.

30 N. SUNDALE

This 4 BR, 3 full bath home is gorgeous w/vaulted ceilings, oak kit., office and fabulous fin. bsmt. w/game room, fam-ily rm., bar and bath. Nice quality features! $279,900.

370 SPRING VALLEY9+ country acres w/lots of road frontage, this 3 BR home has newer drywall, roof, sid-ing & bath. Large storage shed included. Some woods, lots of potential! $54,900.

62415 ROSE HILLHardwood flooring, many up-dates including windows, fur-nace, roof, electric and much more. 4 BR, nice covered pa-tio in back, detached 2-car gar. and large covered front porch. A must see home! $123,500.

106 E. MAIN

4 BR, 2 bath, this huge home was once a 2-family home. With over 2500 sq. ft. living space, this home has plenty of room! Formal Dining Room, family room and nice porch. $29,900.

1002 BEATTYMorgan Manor subdivision is where you will find this 3 BR split foyer w/dining room, beautiful tile flooring, family rm. in bsmt., 2-car ga-rage and nice yard. Immedi-ate possession. $155,700.

61419 SUMMIT

1 car garage, 2 bedrooms, sunroom and laundry room. Nice hardwood flooring and full basement included with this 1 story home. Deck, central air and public water. $55,900.

19934 CADIZ RD.Nice laying 1.7 acres, only min. to I-70, this 3 BR home has 1st fl. laundry and 1st fl. master suite. Basement has rec area. Storage bldg. stays. $137,500.

593 BRANCH RD.

59285 FRITTER RD.3 BR ranch home in rural setting with nice views! 2-car garage, covered porch, brick wood burning fpl. in living room, spacious kitchen w/dining area, pantry and sliders to rear deck. Nice large bath, full bsmt. w/bath. $123,500.

NEWLISTING!

62826 BARBARA AVE.Convenient 1 story home has large eat-in kitchen, side deck, newer windows and roof. This 2 BR home has paved drive, storage building and is neat and clean, move in ready! $59,900.

NEWLISTING!


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3 bedroom home has 2-car att. garage with bonus room above complete with carpeting and drywall. Pub-lic utilities, central air and partial bsmt. $33,000.

225 SENECA

3 BR, 2 full bath home has lg. kit., nice flooring, family rm. and additional bedroom in partially fin-ished bsmt., convenient location. $84,900.

1522 SCOTTBeautiful 3 BR home features 1st fl. fam. rm. w/fpl., eat-in kit., dining rm., and solid oak trim and doors throughout. Full bsmt., 2-car gar., cov-ered patio and almost 1 acre. $184,900.

415 SPRING VALLEY

Level lot, convenient to I-77 or Seneca Lake, this home has 3 BR, 1 bath, covered porch and nice garage. $39,500.

12281 SALTZBURG RD.

Exceptionally nice home! 3 BR, 3 full BA, large living rm. has beautiful fpl., enclosed sunroom, dining area off kit. has lots of built-ins and cabinets. Newer siding, win-dows & roof. $136,900.

16853 BRONZE HGTS.4 BR remodeled home is move in ready! Hardwood floors, fresh paint, updated elec., windows, roof, and more! Off street parking, close to college, park and more! $113,900.

158 HARPER

Located on 12 acres, this 3 BR home has oak kit., fam-ily rm., dining room, full bsmt. and 2 garages. New roof, wa-ter heater, central air & more! Amazing views! $220,000.

22622 CALDWELL RD.Spacious home has 4 bedrooms, 1½ baths, 1-car det. garage and fenced back yard. Con-venient in town location. $49,900.

1014 GOMBER

205 COBBLEPONDOpen floor plan, fireplaces in formal living rm. and family rm., master suite on main floor w/Jacuzzi, 3 BR, 3½ BA, lovely patio w/wooded view, nice landscaping and almost 1 acre. $364,900.

NEWLISTING!

4896 HIGH HILL5 acres, beautiful setting, so many amenities! Horse barn, stalls, hay loft, riding arena, pasture and this gorgeous renovated farmhouse. Newer appl., fpl., hardwood flooring, lg. LR, original French doors & trim. 1st fl. BR would make great office. 4 BR, 2 full BA, great home!! $197,000.


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Spacious 2-story home has 3 BR, 1½ baths, gas heat, and 1 car de-tached garage. Fenced front yard great for pets. $39,900.

1107 STEWARTAcre farm has 3 BR, 2½ BA beautiful home w/oak kit. & woodwork, French doors, full walkout bsmt. and 6-panel doors. Land has creek, woods, pond, barn and fencing. $284,700.

6155 BRANCH FLATCute bungalow, conve-nient to I-77 or down-town. 3 BR home has central air, gas heat and 2-car garage. $49,900.

910 BELFORD

Move in ready! This darling home in rural setting has 2 bed-room, and many updates includ-ing wiring, plumbing, kit., bath, flooring and furnace. 2nd home on property could be used as rental or storage. $47,900.

10270 PIONEER

Raised ranch home, only min. to Seneca Lake, large eat-in kit., office, 4 BR, 2 full BA, lg. front porch and rear deck & patio. 14x20 workshop has additional storage above. 4 parcels included. $92,500.

200 ZANESVILLELarge yard & shade trees compliment this 3 BR, 3 full BA home w/oak kit., 2-car gar. and covered deck. 6 acres, just W. of New Concord. Very nice home! $189,900.

12340 McKINLEY

Maple cabinets, stainless appl., and Corian counters in this kitch-en that would impress the finest chefs! 5 BR home has 2 master suites, vaulted ceilings, cherry flooring, 3 fpl., full fin. lower walk-out. Fabulous!! $449,000.

255 COBBLEPOND2 BR ranch home is ideal for investment property or starter home. 2 city parcels, full bsmt. and convenient to downtown. $24,900.

143 S. 12th

5730 PINE VALLEYGreat curb appeal! This 4 BR home is on almost 2 acre lot, fpl. in living rm., built-in window seats, family rm., formal DR, crown moldings, full walkout bsmt., and vinyl decking. $227,900.

59966 WEST RD.This 3 BR home just outside of town has fpl. in living room, large bath, full finished bsmt. w/family room and woodburner, rec room, wet bar and lots of storage space! 2-car attached garage + storage bldg. $149,900.


Lori Durant, BrokerLori Durant Broker REAL ESTATELori Durant

[email protected]

www.carolgoffrealestate.com“We Always Have Time For You”

Lori Durant, Broker

I Can Help Lead You Home!

4.1 acre mini-farm w/electric fence, horse stall & pond. Home has 3 bdrm./2 BA plus computer room, Immaculate! Updated faucets, carpet, paint, exterior lights, countertops in kit., 2’ plantation blinds throughout, garage door opener & more. Huge kitchen w/ample cabinet space, center island & separate formal dining rm. Nice large screened porch. Gorgeous pond in the front yard complete w/paddle boat! 3 car garage has 5 rooms in it: 1. carpeted office, 2. tool rm., 3. tact rm., 4. shelved storage rm., 5. huge walkin closet with rods for 4-H. Priced to sell!! Call Lori, 704-5511.

63036 JACKSON RUN,CAMBRIDGE

On 3.12 acres in JGSD INCLUDES MINERAL RIGHTS!! Lots of updates including new roof last year. Almost new vinyl siding & vinyl windows. Large front porch. Rear deck to enjoy the peace & quiet of the country setting. Creek runs behind house! Just beautiful!! Large kitchen w/separate dining area. All appliances stay, even washer & dryer. 2 car attached & 2 car detached garages w/concrete floor. Seller is motivated. Realtor related to seller. IMMEDIATE POSSESSION! Lori, 704-5511.

755 MAPLE BROOK,NEW CONCORD

Bank owned property. Immediate possession upon closing. All brick 2 story home with new roof on house. Large spacious rooms throughout. High ceilings. Some crown moldings on first floor. Kitchen remodel has begun, needs finished, has slate tile flooring. Gorgeous fireplace with slate surround. Double stairway to the second floor. Mostly wood floors throughout, needs refinished. Over 2000 sq. ft. Would make great project or rental. Bank offers lots of special financing packages. Call Lori to discuss details, 704-5511.

137 FOX AVE.,ZANESVILLE

How about white vinyl siding & white vinyl windows. New neutral carpet throughout. Immediate possession & move in ready. Lots of updates in the past few years to this 3 bdrm. home. Brand new darling bathroom w/tub/shower, dark, modern cabinets complimented by satin nickel fixtures. Applianced kitchen. Convenient washer/dryer hookup. Book shelves in the family room. New furnace in 2000. New kitchen countertops in 2008. New sump pump & plumbing in 2008. New exterior doors in 2009. Call Lori, 704-5511

629 CALDWELL ST.,ZANESVILLE

10016359

2012 SPECIAL!! START 2012 OUT RIGHT ... LOOKING FOR A 2012 PROJECT? THIS HOME COULD BE YOUR 2012 TAX BREAK

REAL ESTATE

www.carolgoffrealestate.com“We Always Have Time For You”

Theresa White740-255-0492

[email protected]


10016122


10016123


10016124


SENECA LAKE

GOLF COURSE

I-77 EXIT 37, BUFFALO OHIO.

I-70 EXIT 186, OLD WASHINGTON OHIO.

SR 313, SENECA LAKE.45 Acres! Magnificent land at the entrance to the Seneca Lake area & borders golf coarse. Also includes a large building & has county water. Excellent development property. Call Chuck Yonker

DIVISIONCAMBRIDGE

I-77

I-70

BYESVILLEOffice Locationof Commercial Land.

Now up to 220 acres. Can be sold separately. Adjacent to I-70 at the exit and across from fueling station.County water, electric and gas available. 50,000 gallon/day sewer plant on site. 120'X220' building w/overhead doors tons of road frontage. 9 lots priced separatly starting at $20,000/acre. Rusty Hines or John Reid

7.3 acres, Great interstate visibility, Tons of road frontage, All utilities... Sewer on the way! $750,000 Chuck Yonker

Stacy is one of our newest Realtor's and the wife of our very successful Nick Pontious. Stacy is a life long resident of Guernsey County, a graduate of Meadowbrook High School and holds a degree in nursing from Belmont College. She has worked in the nursing field for over 7 years. Stacy enjoys spending time with her family and helping others. She says that's what she likes the best about Real Estate. With her husband Nick they plan to work as a team to better serve their

clients and customers. Stacy can be reached at (740)241-0575

Kay is a long time friend of Reid & Hines and the Real Estate Community. She has been a Realtor for over 20 years and was most recently the Owner and Broker of Courthouse Square Real Estate in Cambridge. Kay has served the Real Estate community as Director and President of the Cambridge Area Board of Realtors. We at Reid & Hines are thrilled to ad Kay's experience and expertise to our team of professionals. Kay makes her home in Cambridge and enjoys spending time with her family. She can be reached at (740) 543-5003

10016125


432-77771-866-432-2525

8961 Whitaker Rd. Cambridge Ohio

RHONDA MARVIN740-680-4707

BUSINESS OPPORTUNITIESBUSINESS OPPORTUNITIES

50 ACRES... I-77 EXIT 47 (CADIZ RD)50 Prime acres commercial land with excellent visibility from I-77 and easy access from SR22 (Cadiz Rd) which dissects the heart of the Utica oil shale play. This property has supreme development potential. Rhonda or Rusty #3264152,3267466

COMMERCIAL LAND 2+ Ac prime level land located on SR 40 West of Cambridge near I-70 Exit 176 . All utilities including sewer. Phase 1 Environmental Completed. Perfect for Restaurants,office space etc. $275,000 #3269904

DOWNTOWN CAMBRIDGE This commercial building offers 7,200 sq ft of potential, 2 store fronts, 2-2BR apartments, newer roof, 3 electric services, 2 walk out basements and off street parking. $79,000 #3269933

INVEST NOW FOR YOUR FUTURE Multi purpose facility lets you diversify your investment. 16 (8'X10') storage units, 1 apartment (rents for $550/month), 2 BR home (rents for $450/month) & a large office/show room with space to expand. Public utilities, security lighting, paved parking area. Located on a corner lot in a high traffic area of Cambridge. Start your own business & let the rent make your payment. $300,000 #3260427

INTERSTATE VISIBILITY Prime location along I-70 with access from Georgetown Rd only 1/2 mile from the exit at SR209 (Southgate Parkway). Owner offering for lease a large level partly fenced lot equipped with security lighting along with indoor space consisting of 2 offices, a kitchenette and a bathroom. Don't let this one get away!

PERFECT COMMERCIAL LOCATION AVAILABLE TO LEASE This 7000 sqft building offers visibility from I-77, a large open floor plan, office space, 4 restrooms, paved parking area, rear garage for deliveries, sprinkler system and security system. Call for more details.

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10016128


Office: 740-435-0003 Toll Free: 877-435-0003

927 Wheeling Ave., Suite 206, Cambridge, OH 43725

www.realestatepartners.orgEach office independently owned and operated.

Shawn Marlatt584-3713

Philip Carpenter260-4128

Dave Milligan584-9052

Barbara Bates584-3551

Monica FryBroker/Owner

680-0093

A LOVELY LAYOUT Can be found in this 1256 sq. ft. home in Edgeworth Addition. Features include 3BR, 2BA, living room with carpeting, dining room, spacious media room with surround sound, entertainment center, partially-finished basement, kitchen with appliances included, work island/bar for added workspace, home office for starting a business. $149,900. Barbara Bates @ 740-584-3551. #3237613.

BEAUTIFUL WOODWORK New kitchen, new bath, gas fireplace, large backyard, spacious deck….this is the one you’ve been waiting to find! This 3BR home is ready for new owners. Just call for your personal tour!!!! $83,500. Linda Atkinson @ 740-584-4579. #3272471.

HOME & ACREAGE Here is a darling little 3 bedroom home with 7.9 acres. This home is well cared for and ready for new owners. If you are looking for privacy this might be the home for you. Newer furnace with C/A, newer submersible well pump and a very nice wrap around deck are just a few of the features of this home. $109,900. Shirley Casey @ 740-584-7090. #3201959.

DON’T WAIT TILL SPRING when you can have this comfortable home right now for an off season price. Even with its 4 large bedrooms, this house still feels cozy. Nicely done kitchen with new appliances and oak cabinets along with 1st floor laundry makes this $59,900 house a steal! Monica Fry @ 740-680-0093. #3259369.

THE ONE FOR YOUFind your perfect fit in this well-maintained 3BR., 2BA. home. Great features include a large family room, living room, dining room, laundry room, kitchen with laminate floors, appliances included finished, walk-out basement. $119,900. Barbara Bates @ 740-584-3551. # 3254480

CAMBRIDGE CITY SCHOOLSHome features 3 bedrooms, 1.5 bath, beautiful oak kitchen and has an open floor plan. This home has been meticulously maintained and is in “move in” condition. Many, many updates! Includes a one year HSA Home Warranty! $69,900. Shirley Casey @ 740-584-7090. #3258275.

BEAUTIFUL HOME This lovely 2 story home is very well maintained and ready for new owners. Home features 3BR, 1.5BA, very spacious rooms, full unfinished basement plus much more. Located on the north side of Cambridge and close to doctor offices, shopping, city park and hospital. This home is in mint condition and comes with a HSA Home Warranty. $109,900. Shirley Casey @ 740-584-7090. #3253331.

TWO HOMES FOR THE PRICE OF ONE!!You get a 3 BR, 2 BA home plus a 1BR, 1 BA guest house on 1.9 acres. It has a nice large yard, county water, and a 14 by 40 pole building. New roof, gutters & wood burner were added. Motivated seller! Priced at $99,900. Monica Fry @ 740-680-0093. #3142431.

PRICED TO SELL!Check out the affordability of this 3BR., 1BA.home on .58 acre. Great features include a dining room, living room with fireplace for ambiance, roomy kitchen, sun room. Needs some work, but has great potential. Priced to sell @ $27,000. Barbara Bates @ 740-584-3551 # 3250771

COUNTRY LIVINGNot far from I-77 is this charming country home in Noble LSD. This home has had many updates due to a previous fire. Home offers 3BR, 1.5 BA, 1st floor laundry, a very spacious living room plus much more. There is an attached garage and an half acre level lot. $54,900. Shirley Casey @ 740-584-7090. #3281673.

YOUR FRIENDS WILL BE GREEN WITH ENVYwhen they visit you at this gorgeous Victorian home. Many updates throughout, front and rear deck along with a back porch overlooking the fenced in green backyard. Perfect area to play and relax the time away. $54,900. Monica Fry @ 740-680-0093. #3160287.

MORE BANG FOR YOUR BUCK!Are you HUNTING for a very well constructed, 2050+ sq. ft., mfg. home? This all electric home offers 3BR, 2.5 BA, huge kitchen w/ lots of cupboards and a large family room w/gas log fireplace. Large detached garage and storage shed. All this on 1.4+ acre in EMSD- Guernsey Co. for $109,000. Could qualify for low down payment, FHA loan. Monica Fry @ 740-680-0093. #3241579.

1001

6130

Reduced!


Check Out All Area Listings at www.monicafry.net

927 Wheeling Ave. • Suite 206 • Cambridge, Ohio 43725

Office: (740) 435-0003 Toll Free: (877) 435-0003

Real Estate Partners

LET THERE BE LIGHT Spacious sun-filled rooms, open beam ceilings and skylights merge the indoor/outdoor areas of this 4BR masterpiece together in perfect harmony. A private deck, pool, fireplace, whirlpool tub and over sized 2 car garage should make this number 1 on your must see list. Even the price will delight you at $197,500. Monica Fry 740-680-0093 #3218256.

SPECTACULAR RESIDENCE! This home overlooking Seneca Lake features 3BR with sliding glass doors to the deck for views of the lake. Home also has a double sided stone fireplace that separates the dining area and living room. Plenty of room for all your water toys. $319,000. Monica Fry 740-680-0093. #3195008.

MUST SEE TO APPRECIATE Gleaming hardwood floors and woodwork grace this 4BR, 2.5 Victorian home that has been lovingly maintained and preserved. The butlers pantry connects the formal dining room and kitchen. A 2 level back deck is accessible from the kitchen and bedroom. $189,000. Monica Fry 740-680-0093. #3275028.

COMMERCIAL! A level ½ acre lot in high traffic area. A great place to build your new business. Near several other businesses. High visibility area. Call today! $169,900. Monica Fry 740-680-0093. #3268242

CAN’T WAIT FOR RETIREMENT? Get a jump start with this cute and cozy bungalow located at Piedmont Lake & Marina. Spacious living room features a stone fireplace. Enclosed back porch overlooks the charming patio and landscaping. This really is a great buy and for such a low price of $59,900! Monica Fry 740-680-0093. #3229843.

VICTORIAN SHOWCASE! Charm and character have been preserved throughout this gorgeous 3BR., 2.5BA home that is tasteful and elegant throughout. Gleaming wood floors and gorgeous woodwork. Victorian era style landscaping, quaint brick patio and charming front porch. $106,500. Monica Fry 740-680-0093. #3259327.

UNIQUE HOME! Home has spacious rooms, 4BR, 2.5BA., lots of closet space and 2 home offices. Recreation room features a kitchenette making a perfect place to entertain. In-ground pool. Home sets on 17.8 acres. Partially wooded grounds. $329,000. Monica Fry 740-680-0093. #3271991.

11+ ACRES OF PRIME COMMERCIAL ACREAGE You won’t find this much ground at this price anywhere else in this area. If you are looking to bring or expand a business in the Cambridge area, this should be the first place you look. All utilities available. $699,000. Monica Fry @ 740-680-0093. #3132821.

SPACIOUS WATERFRONT RAISED RANCH ON SENECA LAKE

Home features spectacular water views, 3BR., 3BA., an open floor plan with a large stone fireplace. Also has enclosed cedar porch with removable windows that turn it into a screened porch. Outside you’ll enjoy sun deck with built in benches and stationary barbecue grill. $299,000. Monica Fry 740-680-0093. #3263087..

QUAD LEVEL HOMELovingly maintained 4BR., 2BA home with new kitchen, replacement windows and vinyl siding. The family room offers a unique kitchenette/mini bar area tucked away behind closed doors. Gorgeous landscaping. $146,000. Monica Fry 740-680-0093. #3263216.

GREAT RETAIL OR OFFICE SPACEGreat retail or office space. Building is divided in 2 separate spaces, each with their own entrance. The utilities have been separated so the other half could be leased or used for another business or office space or living space. $94,900. Monica Fry 740-680-0093. #3244284.

A GREAT SPOT TO BUILD YOUR DREAM HOMEor perfect spot for your get-a-way retreat. These 5 acres offer great wooded privacy in the country while only being minutes from Cambridge. $16,900. Monica Fry @ 740-680-0093. #3277224.

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LOTS OF LOVE Here’s this oversized 3br. 2 full bath 2 Story home with lots of room to roam, there’s an eat in kitchen, formal dining room, 1st fl. Laundry, spacious living and open foyer area. Enjoy the large back deck 1 car garage and huge yard. Get all this for $68,900 MLS #3259178

HUGS & KISSES Is what you can enjoy in this 3br. 2 full bath ranch home with a one car garage, large level lot, paved drive, sunlit living room, dining area off the spacious kitchen and sun room overlooks the private back yard and deck. The basement is partially finished with stone fireplace and much much more in this lovely home. Asking only $119,500 MLS #3262053

SWEET You will say sweet once you see all you can do with this 3br. 2 bath one story home on 2 acres on a country setting in EMSD. This newer home has a full partially finished basement with wood burner, wall to wall cabinets in this oversized eat in kitchen, 1st fl. Laundry, and private setting. Priced at $107,500 MLS #3264621

LOVELY NEIGHBORHOOD Situated on a corner level lot is this newer construction 2 story home with 3-4 br. 1 ½ baths, eat in oak kitchen, 1st fl. Laundry, sunlit family and living rooms. Private patio overlooks this well manicured lawn and paved parking is a great feature too. Call today to view this gorgeous home. Asking only $154,500 MLS #3256043

COMMERCIAL BUSINESSES FOR SALE59960 Southgate Rd. Byesville • 56880 Lashley Rd. Senecaville

HEART POUNDING Your heart will be pounding when you enter this completely remodeled 2 story home with 3 br. 1 bath, 1st fl. Laundry, beautiful oak kitchen and spacious dining area. This lovely home has a 1 car garage in basement, level yard and close to city park. Call today to view this great home. Asking only $84,900 MLS #3264433

BEST FRIENDS Can share this recently remodeled 4br. 2 full bath home that’s situated on a ½ acre corner wooded lot. This well maintained home has family and living rooms, 2 eat in kitchens, spacious layout and much more. Oversized covered back porch overlooks the wooded lot and paved drive, close to schools and is ready for showings. Storage in the basement and shed stays for added storage. Only $126,900 MLS #3271015

RED ROSES Plant red roses in the yard of this 3br. 2 full bath DW on a block foundation and situated on 4 acres with 2 barns and mostly fenced for horses. There’s an eat in kitchen, dining area, open living room and master suite with bath, large covered porch and carport for added parking. Priced to sell $108,900 MLS #3264555

BRAND NEW Turn key to this new construction ranch home with 3br. 2 full baths, master suite with walk in closets, full basement with 2 car garage, cathedral ceilings in the kitchen, dining and great room areas. This lovely home is situated on a 1 acre level lot in Willow Springs Subdivision with county water, septic and underground utilities. Call today to view this fabulous home. $189,900 MLS #3266275

YOUR LOVE For horses can be enjoyed here in this 3br. 1 bath 1 ½ story home which is situated on 5 gorgeous acres that’s mostly level and cleared and partially fenced with a large barn. This home has an eat in kitchen, formal dining room, large living room and is ready for showings. Asking only $99,900 MLS #3277066

DINNER FOR TWO Feel like you can kiss the moon from the balcony of this 3br. 2 full bath home that overlooks Seneca Lake. See the reflection in the water and enjoy the outside this summer from this recently remodeled and well maintained one story home. Boat dock and swimming area comes with this fabulous home. Only $144,900 MLS #3259614

CHOCOLATES And flowers, have your sweetie buy you this home instead and enjoy it every day. Here’s this 3br. 1 ½ bath ranch home with 2 car garage, full partially finished walkout basement with wet bar and it has an eat in kitchen, spacious living room and large corner level lot and close to town and interstate access. Priced at $118,900 MLS #3280396

KISS ME GOODNIGHT This master suite in this 4-5 br. 2 ½ bath 2 story home is a must see, with a claw foot tub, walk in closet and much more you can enjoy, or sit by the stone fireplace or enjoy dinner for two on the covered porch with a panoramic view of five acres, This newer construction home has over 3,000 sq. ft and has 2 car garage full walkout basement and priced to sell at $210,000 MLS #3273833

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Catch the RE/MAX Real Estate Partners Home Show on Cable Channel 2 or at: yourradioplace.com

SHAWN MARLATT584-3713

REALTOR OF THE YEAR 2011!

REALTOR OF THE MONTH

DECEMBER 2011!

& Real Estate Partners

927 Wheeling Ave. • Suite 206 • Cambridge, Ohio 43725Office: (740) 435-0003 • Toll Free: (877) 435-0003

Each office independently owned and operated.

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A PUBLICATION OF

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740-439-3531 dj.ohiohomefinder.com

January, 2012FREE

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10013093

NEWPRICE!

WARM YOUR HEART!

Sit by the fire and enjoy the tranquil wooded view in this

home on 7.58 acres. Featuring 3 bedrooms, 3 bathrooms,

living room, family room with gas fireplace, dining room,

kitchen with laminate floors, pantry, appliances and

basement. $179,900. #3202591. Barbara Bates, 584-3551.

EXTREMELY NICE HOME

in a great location that’s close to interstate access and

town. This great home features 3 or 4 bedrooms, 3 baths,

full finished walk-out basement with family room and

loads of storage. Home is completely surrounded by large

deck and gazebo that overlooks private yard. $164,000.

#3278181. Shawn Marlatt, 740-584-3713.

Real Estate Partners

MUST SEE!

NEWPRICE!www.carolgoffrealestate.com

“We Always Have Time For You”

1620 E. Wheeling Ave., Cambridge - 439-1111 • 28 E. Main, New Concord - 826-7557

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2465 Panther Dr. NE, Suite B, New Lexington, 343-4161

REAL ESTATELori Durant, Broker

Real Estate Monthly

Next IssueFebruary 15, 2012

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FUNDING YOUR NEXT IMPROVEMENTMaintenance is an inevitable part of home ownership. Beyond routine fixes, many hom-eowners aspire toward larger projects such as room expansion or a new roof or siding. Funding for these projects may require a loan from the bank.

A home equity loan or line of credit are common ways to pay for home renovations. A home equity loan can be used for a number of things, including paying education expenses or buying luxury items. Oftentimes, a homeowner chooses to borrow against the equity in the homes to make improvements that will increase the value of the property.

A home equity loan is also known as a second mortgage. Homeowners borrow money by leveraging the equity in their homes. Equity is the amount of ownership value a homeowner has in a property. It is calculated by subtract-ing the unpaid mortgage balance and other debts on the home from the property’s fair market value. It’s important to note that some home values decrease during times of economic downturn. Therefore, homeowners should do their homework prior to starting any improvements to determine if a home equity loan is a good idea.

There are two main types of home equity loans: A fixed-rate loan or a home equity line of credit.

With a fixed-rate loan, a lump sum is provided to the homeowner, which is then repaid over a set period of time with a fixed interest rate that is agreed upon by the lender and the lendee. The payment and interest rate remain the same for the life of the loan.

When homeowners choose a home equity line of credit, or HELOC, it is like they are using a credit card linked to their home’s value. Borrowers are pre-approved for a set amount against which they can borrow. Monthly payments may vary and the interest rate is based on the current interest rate, meaning it can fluctuate.

Home equity loans typically offer interest rates that are lower than those linked to credit cards or offered with other types of loans. The interest paid on these loans also may be tax-deductible. Home equity loans are a good choice for responsible homeowners who have the means to repay the loan. They can be a pitfall for borrowers who overspend and need creative financing methods to pay off outstanding debt.

Using a home equity loan to make a home improvement should be done carefully. Fi-nancial experts say that the loan should only be taken if the renovation will add value to the home. Cosmetic changes and personal additions, such as a swimming pool, may not justify the cost of the loan.

Individuals can talk with a personal savings bank, the company that holds their mortgage, a credit union, or another financial institution to determine if a home equity loan is the right choice in this current market.

Cambridge Real Estate Guide-January 2012

Documents

Transcript of Cambridge Real Estate Guide-January 2012