Distinctive Properties - February 2015

February 2015

Details on page 3Details on page 3

N A P A • S T . H E L E N A • S O N O M A

cbnapavalley.com

Carolyn RobertsBROKER/OWNER

[email protected]

East Side Gated EstateTucked away on an extraordinary gated 4 acres, with room for guests and family alike. Sprawlingsingle level main residence with over 3900 sq. ft.Walls of glass overlook an expanse of manicuredgarden for outdoor living and entertaining with pool, outdoor kitchen and pizza oven. Plus twoseparate 1 bedroom guest houses providing the perfect getaway in the Wine Country.

Offered at $2,750,000

2 — Distinctive Properties

fabulousnapavalley.com

[email protected] RICHExclusive Estates

Yvonne RichDRE01045780

(707)968-98881338 Main Street, St. Helena, California

This 2014 renovated modernist Napa Valley compound is sited on 1+ acres on the coveted Lodi Lane in St. Helena with vistas of vineyards and aserene pond. The powerful contemporary architecture is designed with a mix of modern materials and large spans of glass are beautifully combinedwith wood, rustic metals and exposed concrete. Every bit of the house is chosen and shaped for maximum effect, creating distinct personalities foreach major room and voluminous open interior spaces, walls of glass doors throughout for indoor/outdoor Napa Valley living. Approx. 5,000+ sq.ft. residence is an art collector’s dream with a unique center hall with 20ft ceilings & expansive center gallery; unconventional floor plan, yet everyamenity imaginable; private master suite, 3 en-suite bedrooms facing the pond & vineyard, dining rooms, studies, home theater, wine cellar, grandmodern European style open kitchen/family room & a striking modern guest/pool house. A rare and magical environment with 80+ English Hawthornetrees, majestic olive trees, fruit orchard, gorgeous lawns, pool & separate spa and outdoor kitchen with Italian wood oven for ultimate Napa Valley styleentertaining surrounded by resort-like grounds & serene vineyard views.

Truly an estate for the modern ages........ $6,750,000

t Napa Va VVallalleyeyeyey ccocomULTIMATE CONTEMPORARY LIVING

Cover Property

February 2015 — 3





$18,800,000

MAGNIFICENT SPRING MOUNTAIN VILLAGrandeur, serenity, and timeless Mediterranean elegance characterize this palatial estate situated on approx. 40 acres with panoramicviews of Napa Valley. While ranking as one of the largest private residences in Napa Valley, it is also an intimate and family- friendly home,and a floor plan that maintains privacy for all. Approx. 9,600 sq. ft., voluminous grand- scale formal rooms, 7 fireplaces, library, office,music room, gymnasium, wine cellar, wine tasting room, and splendid chef’s kitchen for grand Napa Valley entertaining. Located in thehighly desirable “Spring Mountain “AVA, near the Spring Mountain Winery in St. Helena. A rare opportunity to acquire a world class NapaValley estate with approx. 7 acres of ultra premium Napa Valley hillside vineyard and helicopter pad add to the allure of this Napa Valleycountry estate. Wine brand and inventory (approx. $5-$6 million) can be purchased for an additional $9.5 million.

Main Residence






Extremely rare opportunity to acquire 38.7 acres in Oakville AVA. Oakville AVA is one of Napa Valley’s most coveted and prestigious regions. Home to such distinguished wineries as SCREAMING EAGLE, HARLAN, BOND, DALLA VALLE, OPUS ONE, PLUMP JACK, SILVER OAK, FAR NIENTE and RUDD, as well as Napa Valley’s most highly regarded vineyards such as TO KALON, BACKUS and HEITZ CELLER’S famous MAR-THA’S VINEYARD. Villa Mille Rose Vineyard is a 38.7 acre property on the valley floor in the heart of the Oakville Appellation with commanding and panoramic views of vineyards and mountains. This is truly a premier location surrounded by multi-million dollar properties. A chance to create a world class winery and/or prime location for an ultra-premium dream estate on a proposed building envelope. Approx. 35 acres planted with premium Chardonnay & Merlot vines, 400 GPM well and 8 bedroom perc for an engineered septic system.

$10,800,000

VILLA MILLE ROSE VINEYARD - ESTATE/WINERY SITE

February 2015 — 5





E LEGANT FRENCH COUNTRY ESTATEMagnificent French Country estate nestled on 1+ acres offers classic European charm with all the modern amenities and is onlyminutes to downtown St. Helena. Dramatic architecture, cathedral/beamed ceilings, and banks of beautiful arched windows revealthe beautiful outdoor surroundings. Approx. 5,000+ sq. ft., 4 br & 5 ba, gracious living room, library/office, exercise room, sun-filledFrench country kitchen with adjoining breakfast nook and spacious family/entertaining room with a balcony which is perfectly de-signed to accommodate grand-scale indoor/outdoor entertaining. The grounds create a resort-like atmosphere, while adding to thesense of privacy and quiet country ambience.

This impeccable home reflects grace and style at every turn. $1,395,000

Brilliantly created with a designer’s eye and a craftsman’s hand, this striking contemporary oasis exhibits dramatic lines and volumewith a modern contemporary flair throughout. Sited on 12+ acres and bordered by its own vineyards, this legendary estate is unequiv-ocally one of the most luxurious and private estates with resort-worthy amenities. Modern European influences grace the approx.8,600 sq. ft. of living space. Five bedroom suites and a true “spa-at-home” first floor master retreat, elevator, library/office, hometheater/media room, home gym, wine cellar and a beautiful Italian modern kitchen opens up to the infinity edge pool with swim-up barand outdoor kitchen for glamorous entertaining or comfortable day to day living.

Immerse yourself in the comfort........ $7,950.000

CONTEMPORARY OASIS






110+ ACRES WITH 1+ AC. HILLSIDE VINEYARDOne of the most spectacular knoll estate sites is now available. An extraordinary opportunity to own a beautiful & serene 110+acres with prime one+ acres of hillside Cabernet Sauvignon Vineyard. Unobstructed views of lake Hennessey, hillside vineyards &dramatic mountain panoramas. This property has the distinction of being in one of St. Helena’s most sought after and exclusive areas.Scenic, private and removed from the mainstream, a multitude of opportunities exists to create the ultimate Napa Valley estate in thisgated community of several world class grand estates. Excellent well, electricity, paved road access, and premium one acre CabernetSauvignon vineyard & an approved Errosian Control Plan may allow approx. 3 additional acres of new vineyard.

Unlimited potential for the ultimate dream estate. $1,795,000

MEDITERRANEAN MARVEL IN A MAGICAL SETTING

Refined living surrounded by a magical & enchanting forest! $2,950,000

Beautifully tucked away above Oakville with magnificent mountain panoramas and serene privacy, this gracious Mediterranean estateon 65+ acres is manifested with a rare combination of refined elegance, an exceptionally dramatic setting, and impressive architectur-al features. The spectacular great room highlighting floor to ceiling windows, open chef’s kitchen with grand granite island, intimateformal dining room, media/recreation room, two wood burning fireplaces, elegant master retreat, finest chandeliers, gorgeous Trav-ertine tile floors throughout and a beautiful terrace for relaxation or entertaining. Separate 950 sq. ft. guesthouse is complete with allamenities including a detached studio/workshop.

February 2015 — 7

MAPS OF THE VALLEY

11 CALISTOGA

14 ST. HeLenA

18 YOunTvILLe

23 nAPA

39 AMeRICAn CAnYOn

MAPS ▼

RANDOLPH

ST.

RIVE

RSIDEDR

IVE

MAINST.

YAJOMEST.

China

Veterans Park

NAPA

TUBBS LANE

CAL ISTOGA

(707) 942-94221473 C Lincoln AvenueCalistoga, CA 94515

Calistoga Realty Co., Inc.

✯Calistoga Realty

Co., Inc.

EDITOR/DIRECTOR OF SALESRandy Principe

Direct 707-256-2251Fax 707-252-6047

[email protected]

ACCOUNT EXECUTIVESRandy Dowis707-256-2229

[email protected]

Phyllis Seiger707-256-2205

[email protected]

Distinctive Properties makes every effort to ensure the accuracy of the information it publishes, but cannot be held responsible for any consequences arising from errors or omissions.All rights reserved. Reproduction in whole or in part is strictly prohibited. Distinctive Properties is a registered trademark of The Napa Valley Publishing Company.

Our office is located in the Napa Valley Register building:DISTINCTIVE PROPERTIES

1615 Second Street, Napa, CA 94559

DISTINCTIVEPROPERTIESFebruary

2015

When you advertise in Distinctive Properties Magazine, your advertisement gains access to the Internet.Each issue of Distinctive Properties will be automatically posted in the real estate section of the www.napavalleyregister.com web site. This site also serves as the host of Open House ads for The Napa Valley

Register Newspaper. Additionally, you may view Virtual Tours, home sales, articles and back issues of Distinctive Properties.Distinctive Properties is distributed throughout locations in Napa, Yountville, St. Helena, Calistoga, Sonoma, and otherkey Bay Area locations.


Why affordability couldbe a red flag for housingrecovery

by Daren BlomquistJan 13, 2015

In a lot of ways, real estate today should bea buyer’s paradise: Property values remain at

or below their historic affordability levels in mostmarkets, lenders have $2 trillion in excess cashavailable to lend, and foreclosures have fallen tolevels last seen in 2006.

So why have home sales stalled in recent months?

A real estate market that should be flying high isinstead a real estate market that’s faltering. This

isn’t the way the script should read. If things are seeminglyso good, then how come we’re not seeing more home sales?

The explanation is complex, but the short version isthis: Incomes are down in many markets. Prices andmortgage rates — which should be hugely attractive tolarge numbers of buyers — are simply off-limits becausepaychecks are smaller. Worse, we’re not selling a lot ofhomes to first-time buyers, and that could mean housingwoes for years to come.

We usually think of the income-vs.-cost problem in termsof absolute affordability — think the 30 percent that aDepression-era grandparent might advise as the maximumpercentage to be spent on housing — but that’s not quitethe right measure. If you look at affordability throughthis absolute lens, you often get the wrong result becausemarkets vary enormously.

The better approach is using a relative affordabilitymeasure that compares a market or micromarket to itselfrather than other markets. For instance, the percentageincome sufficient to buy a home in Omaha is unlikely towork in San Francisco. This is not a problem if you live inOmaha, but it’s a very big issue if you move to Californiaand attempt to spend the same amount on housing as inOmaha— even given that the median household incomein San Francisco is 45 percent higher than in Omaha.

Our analysis of relative affordability from January 2000to May 2014 in more than 1,000 counties nationwide

found that in Douglas County, Nebraska (where Omahais located), the historical norm for percent of medianhousehold income needed to buy a median-priced home is17 percent, while in San Francisco County it’s 75 percent.People want to live in San Francisco so bad that they’rewilling to fork over a much bigger chunk of income to doso. The national average over the last 14 years is 19 percentof median household income needed to buy a median-priced home.

Another way to look at this is to use Massachusetts Instituteof Technology’s living wage calculator. With this device wecan see that it takes $18.64 per hour for a household withtwo adults and two children to make it in Douglas County,Nebraska. In San Francisco County, the same couple needs$25.44 per hour.

For our purposes, affordability issues raise two issues: First,we want communities to be affordable because withoutaffordability you soon run out of teachers, first respondersand a thousand other professions on which we all rely.Second, when affordability sags, you have fewer first-timehomebuyers — and that means trouble.

First-time homebuyers and affordability

The data plainly show that home sales at the lower end ofthe price spectrum— the place where you are most likelyto find first-time purchasers — have fallen through thefloor. It’s the clearest demonstration of a first-time-buyeraffordability gap to be found.

In terms of real estate, the big affordability issue is that iffirst-time buyers are not purchasing homes, then move-up sellers can’t sell. If they can’t sell, they can’t move, andthe next layer of owners with still-higher-priced homescannot market their properties. There is a domino effect feltthrough the housing market when sales to first-time buyersslow.

How did things get so strange, and what does it mean tobuyers, sellers and investors? Let’s look at some specifics.

b

(continued on next page)February 2015 — 9

Home prices

A better option than looking at national trends is to examine smallerpieces of the puzzle. For instance, the National Association of Realtorshas a quarterly review of metro prices. Its most recent review of metrohome prices looked at values in 170 metropolitan statistical areas andfound that in the first quarter prices rose in 125 metro zones — andfell in 45.

But home price appreciation is slow. We found that home priceappreciation slowed compared to a year ago in 65 percent of the metroareas we tracked in our July sales report (119 out of 183 total metroareas).

Yes, home values have risen during the past year in most markets, butthe more important point is that real estate values have yet to reach theprevious peaks in most areas. The Federal Housing Finance Agency saysthat home prices rose 0.4 in May but remained 6.5 percent below thehigh-water mark seen just before the brunt of the mortgage meltdownhit. The affordability result: Home values remain depressed whencompared with past highs.

Mortgage rates

Lender vaults are stuffed with cash. According to one estimate, banksare now sitting on $2 trillion in excess funds, and the predictable resultis that mortgage rates have stalled. Freddie Mac says that at the end ofJuly, the typical 30-year fixed-rate mortgage was priced at 4.12 percent.Back in April 2007, mortgage rates for the same loan stood at 6.18percent.

The rate differential is huge. Borrow $200,000 at 4.12 percent, andthe monthly cost for principal and interest is $958.72. At 6.18 percent,the monthly expense is $1,222.34. The affordability result: In today’sworld, people worry about rates in the 4 percent range because they’re“higher” than the record-low rates seen in 2012, when interest levelsreached a 65-year low.

However, the more important point is this: According to Standard &Poor’s, the average mortgage rate during the past 40 years has been 8.6percent. Today’s rates reflect a discount of better than 50 percent.

Income

It follows that if home prices are down from 2007 and mortgage ratesare half off, then affordability should be soaring, but that isn’t the case.The problem is that incomes are down in this market filled with greatreal estate deals and cheap financing. If you had a household incomeof $51,017 in 2012 — the national average — you earned 9 percentless than the typical household in 1999. In terms of buying power, ittakes $1,430 today to purchase goods and services worth $1,000 in1999.

Our analysis of median household income data at the county levelshows that median household incomes decreased between 2008 and2012 in real terms in 43 percent of the nation’s more than 3,100counties. Among all counties, even those with increasing income, theaverage change in income between 2008 and 2012 was just 2 percent.

Meanwhile, the costs of goods and services as measured by theConsumer Price Index increased 9 percent during that time period,even as median home prices dropped 22 percent, according to our data.But since 2012, home prices have bounced back and risen 22 percentas of July 2012, while the CPI has risen 3 percent during the same timeperiod. Median income data is available only at this time through 2012,but it’s unlikely that incomes have jumped 10 percent over the past twoyears — after rising just 2 percent in the four years between 2008 and2012 — enough to catch up with the overall 12 percent rise in the CPIbetween 2008 and July 2014.

The bottom line: Consumers now need to spend more of their incomeon other goods and services and have less left over for housing thanthey did prior to the Great Recession.

And the place where you most clearly see the impact of reducedaffordability is with first-time homebuyers. NAR says that first-timebuyers in June represented just 28 percent of all existing-homepurchasers. That’s down from past levels of 40 percent or so.

The core barrier to greater real estate sales has nothing to do witheither home prices or mortgage rates. They’re demonstrably affordable.Instead, the problem has to do with jobs and income. Simply put, wedon’t have enough jobs; the jobs we do have don’t pay enough; and theresult is that homeownership levels are at the lowest point in 19 years,according to the U.S. Census Bureau.

(continued from previous page)


TUBBS LANE

CAL ISTOGA

(707) 942-94221473 C Lincoln AvenueCalistoga, CA 94515

Calistoga Realty Co., Inc.

✯Calistoga Realty

Co., Inc.

February 2015 — 11

Sharon Carone, Broker • Darlene Brissard, Realtor • Brian Durnian, Broker

EstatEs • VinEyards • Vacation HomEs • LandrEsidEntiaL and commEricaL

www.calistoga-realty.com1473 C Lincoln Avenue, Calistoga, CA 94515

707-942-9422Calistoga Realty Co., Inc.

BELLA VISTA VINEYARDSAn incredible opportunity to own a one of a kind Estate property situated on over 200 acres in Napa and Sonoma County. The custom built Mediterranean Styleresidence was designed by Adrian Martinez AIA and there are three additional buildable parcels included in this sale and each one provides panoramic views.

Approx. 37 acres of premium vineyard, winery and cave potential. Vineyards and residence can be purchased separately.180+ AcRES – 37 AcRES of VINEYARDS, 2 pARcELS - $7,950,000 • RESIDENcE oN 25+ AcRES, 2 pARcELS - $3,695,000

INcREDIBLE VALLEY fLooR LocATIoNCustom built 6400+sq.ft. home situated on over 3 acres on the valley floor with panoramic views in all directions. 4 bedrooms, 4.5 bathrooms, Marble foyer leadsto the living and dining rooms of grand scale. Spacious gourmet kitchen and butler’s pantry. Family room with fireplace. 3 car garage w/game room or potential

au-pair / guest above. Large lawn area surround the in-ground pool and spa. 2+/- acres set aside for vineyard, olives or ?$2,995,000

59.7+/- AcRE ESTATE pRopERTYLocated in Calistoga and Knights Valley, adjacent to Blossom Creek Winery and Turnbull this 4100sq. ft main residence, 900 sq.ft guest house currently utilized

as an office, with approx.. 16.7 acres of vineyard on a long term lease expiring in 2025. An additional 8+/- acres of vineyard - 4 acres of hillside Cabernet and 4+/-acres of Petite Sirah with additional plantable acreage and potential for Winery/Caves. A rare opportunity!

$6,950,000


Sharon Carone, Broker • Darlene Brissard, Realtor • Brian Durnian, Broker

EstatEs • VinEyards • Vacation HomEs • LandrEsidEntiaL and commEricaL

www.calistoga-realty.com1473 C Lincoln Avenue, Calistoga, CA 94515

707-942-9422Calistoga Realty Co., Inc.

UNBELIEVEABLE GET AWAY112+ Acres. First time on the market. Private retreat with fantastic views of Napa Valley, the Palisades,Mt. St. Helena as well Sonoma County. Small 1BD/1BA with a loft that works as a second BD.Windows galore for endless views and the ultimate in privacy. Ranch is partly in Napa County and

partly in Sonoma County. You can expand or probably build another house. Awesome views!$1,795,000

MOVE RIGHT INElegantly remodeled home includes beautiful wood floors, Berber carpet in all3 bedrooms, refaced cabinets with granite counter tops, Damner shutters forprivacy while allowing soft light to filter through, views of the hills, located just

blocks to downtown.$575,000

DEVELOPER’S DELIGHTDouble lot located just a few blocks from downtown Calistoga. 14,871 square footlot with a quaint little house. Possible lot split or build another house. Property is

Zoned R-2. Use your imagination!$618,000

EXCELLENT BUILDIMG SITEGreat 2+ acre building site on the western side of Calistoga with some partialviews of Mt. St. Helena and the Palisades. Paved road is in, shared water forlandscaping is in. Need to develop septic and hook to City Water. Seller has soil/

engineering reports as well.$549,000

BEAUTIfULLY RENOVATED NORMANDY STYLE HOMEGuest house, art studio/workshop, in ground pool, a great old barn and a master gardener designed rose garden. Living room w/ fireplace, wood floors, crown moldingand indirect lighting, formal dining room, office/den w/ custom built-ins, media room, gourmet kitchen with top of the line appliances, custom cabinetry, La Rochelle tile

counters, banquette and a lovely screened in porch. Two parcels.$1,749,000


MAIN

STREET

MAIN

STREET

ST . HELENA


ST. HELENAREAL ESTATE

(707) 967-9570

HOMES · LUXURY ESTATES · LAND · VINEYARDS · WINERIES

For information on our listings, please visit our website:www.sthelenarealestate.com

Napa Valley · Sonoma

Napa Valley · Sonoma1346 Main Street

St. Helena, CA 94574

WINERY ESTATE & VINEYARD

Winery, vineyard and Mediterranean residence in the AtlasPeak Appellation. 10 +/- acres planted in Cabernet, Merlotand Cabernet Franc. 8,000 gallon operating winery.

Offered at $5,975,000Gail Morgan Lane / Claudine Perret

(707) 291-0156

GATED OAKVILLE ESTATE

Prestigious Oakville estate with stunning valley views. 20acres in total. Feature a 3 Bedroom main residence, two 1-Bedroom guest homes, infinity pool, theatre and wine cave.

Offered at $7,900,000Barry Berkowitz(707) 529-7406

by Hank BaileyJan 6, 2015

Hindsight is 20-20, as they always say. About four yearsago, I read a Wall Street Journal article, “10 Reasonsto Buy a Home,” in which the author, Brett Arends,proclaimed, “Enough with the gloom and doom abouthomeownership.” What things did he say in 2010 thatis still are valid today, and what do we need to be tellingour buyer clients in 2015?

1. Mortgages are still cheap. In his 2010 post, Mr.Arends noted, “You can get a 30-year loan for around4.3 percent. What’s not to like? These are the lowestrates on record. As recently as two years ago they wereabout 6.3 percent. That drop slashes your monthlyrepayment by a fifth. If inflation picks up, you won’t seethese mortgage rates again in your lifetime.”

Well, according to Wells Fargo, the 30-year fixed rate asof 12/18/2014 was 4.0 percent. A 30-year FHA mortgageis 3.875 percent!

2. Your buyer will save on taxes. Mortgage interestcan be deducted from your income reducing your taxliability. Real estate taxes are deductible. Based oncurrent tax law, when you sell up to some pretty loftythresholds, gains on your primary residence are tax-free!

3. “It’ll be yours.” If you have never leased a propertybefore, and that probably is few of us, to be able to goget a dog, paint the walls how you like, renovate thatone eyesore room in the house any way you like it, anddo what you want with your house, is all simply part ofthat American dream!

4. You’ll get a better home, and it won’t cost you asmuch to buy as it might to lease! Mr. Arends noted in2010, “In many parts of the country, it can be reallyhard to find a good rental. All the best places are sold.”Good example: In one of our most competitive marketsbased on school district, there are 220 homes on themarket for sale right now, and only four for lease!There is simply not that much opportunity to lease andget into this desirable area of the market. Regardingaffordability today, Zillow just came out with its latestaffordability index, which noted that renting is half asaffordable in the U.S. compared to buying.

5. Sooner or later, the market will clear. This seemed tobe hopeful thinking to some in September of 2010, butI found some data that suggested if you had bought ahome in 2010, your appreciation based on the Case-Shiller index would have been a little over 12.5 percent.If you had waited a few months from the publicationof this post in the Wall Street Journal and bought early2011, your total gain today would be over 20 percent.

Real estate is a long-term investment. Just like thatretirement plan contribution that you forget about forthe next fifteen to twenty years, what appreciation yourhouse goes through next month, next quarter or nextyear pales in comparison with where it will be five yearsdown the road and beyond!

Clearly, in 2015, homebuyers still have plenty of reasonsto buy. With the market clearing up since 2010, it wouldseem a safe short-term bet in 2015, and it has alwaysbeen a great long-term investment to buy a home!

‘Old’ reasons tobuy a home thatare still valid


Vineyard Park

WEBBE

R AVE.

HUMBOLD

T ST.

YOUNTV I L LE


View all Napa Valley listiNgs oN my website, www.gatesestates.com(707) 944-0888 • Fax (707) 944-0884 • Cell (707) 333-7770

BRE #00711618

www.1440CrestmontDr.com

• Gated entry with unparalleledviews

• Stunning great room with statelyfireplace

• Spacious apartment, wine cellar,guest house, gorgeous patio

Offered at$2,850,000

www.6556DryCreekRd.com

• Family compound on over 26acres

• Expansive lawn and pool areawith spectacular views

• Complete with main house, guesthouse and two adorable cabins


www.1927VintnerCt.com

• Great one story home located inYountville

• Features an open great roomlayout

• Numerous raised garden beds inthe backyard

Offered at$765,000

Price

redu

ced


View all Napa Valley listiNgs oN my website, www.gatesestates.com(707) 944-0888 • Fax (707) 944-0884 • Cell (707) 333-7770

BRE #00711618

114 Vineyard Cir., Yountville

• Great 2BD/2BA Yountvillecondo

• Blocks from all greatrestaurants/shops

• Views of vineyard and hills

Offered at

$585,000

www.1997CapellValleyRoad.com

• Wonderful private setting withmeandering trout streams

• Spacious, open floorplan allows foreasy entertaining

• Wonderful getaway just 20 minutesfrom Silverado Trail


NewLis

ting

www.3747BeartoothLane.com

• Stunning Hidden Hills home• Huge lot with views to the City ofNapa

• High end materials/impeccable

workmanship

Offered at

$1,695,000


Bogue’s Bulletin Board

CHARLES BOGUE, BROKERCalBRE#00482010

[email protected]

Coldwell Banker Brokers of the Valley

The Return of Home EquityThe number of California homes with negative equity,when outstanding debt is greater than the marketvalue, dropped from over 2,500,000 in 2010 to justabove 500,000 at the end of 2014. During the sameperiod, from December of 2010 to December of 2014the median home in Napa County increased 66%from $318,000 to $531,000 according to local MultipleListing Service data.

Sowhatdoes thismeanforNapaCountyhomeowners?The rising tide of home values over the last four yearshas saved many threatened by foreclosure during theGreat Recession and those with less debt to beginwith have increased the equity in their investment.Nowhere is this more evident than in the return ofthe Home Equity Line of Credit (HELOC) now beingoffered by banks and finance companies. Unlike thepre-Recession days when “home equity” was beingtapped like an ATM to purchase fancy cars andvacations, today’s borrowers are using the borrowedmoney to improve their homes and “adding value totheir largest asset, not taking from it” according to arecent report by CNBC.

While all mortgage originations rose in the thirdquarter of 2014, home equity lines had the largestincrease at 17% above the previous quarter. Jobs andwages may not have increased nearly in proportionto the stock market, however home values and homeequity increases have created a return of storedwealth to those fortunate enough to have survivedthe distressed sales and foreclosures.

With the return of home equity lines of credit thereare many opportunities this recovery of equity hascreated for home owners:

(1) When this equity is combinedwith the fact thatcurrent interest rates are below4%,manyhomeowners can now refinance their existing loanswith increased appraisal values and sometimesreduce their payment by lowered rates.

(2) It is now possible for many home owners to“move up” by selling their current home andusing their regained equity on a down paymentfor a newer or larger home, an option that hasnot been available to them.

(3) For some, the equity increase will allow a “rightsize”move to a smaller home or condominiumand by doing so increase their disposableincome, pay down existing debt and creategreater financial security.

(4) A home owner might also use their increasein home equity by borrowing against theirexisting home to purchase a vacation home,investment home or retirement home that hasbeen out of reach over the past five years.

(5) It is alsopossible toobtain an interest deductionby creating debt secured by real estate (HELOC)and to use the money to pay off other types ofdebt not currently real estate secured wherethe interest is not deductible.

(6) Many homeowners are able now to obtain ahome equity line under 5% and reduce theother debts they have at 15% and 20% such ascredit cards, car loans and student loans.

In a check with Napa banks, the current interest rateon home equity lines ranges from 3.5% to 4% andcan be made on up to 80% of the value of your homein today’s market. The loan can be made as a seconddeed of trust behind your existing first provided thetotal debt does not exceed the 80% of value. If youwant to put any of these 6 opportunities to workfor you the first step would be to call your REALTORand ask that they do an Estimate of Value for you tofind out what your home is worth today. If the valueis enough to obtain an equity line, the second stepis to contact your bank or the bank of your first lienholder, see what program they offer and begin theapplication process. Start the New Year right by usingyour new found equity to your personal and financialadvantage.


RANDOLPH

ST.

RIVE

RSIDEDR

IVE

MAINST.

YAJOMEST.

China

Veterans Park

NAPA


www.1701FSt.comTwo turnkey detached homes on one lot in Napa!Front detached home is a remodeled, 2b/1b, and is1200 SqFt. Back detached home is a 3b/2b and is1150 SqFt.

For more information visit: www.1701FSt.comMark Lesti 707.320.8950 Offered at $849,000

Christine Lesti707.320.8999

Carl Mianecke707.260.5952

Gary Prince707.227.7282

Allen Ray707.299.7730

Dave Samson707.342.0809

Bob Souza707.363.6335

John Prince707.337.0191

Bob Wallin707.337.5279

Ian White707.227.5226

Mark Lesti707.320.8950

Nate Bethard707.225.1838

Brendan Lesti707.337.0659

Breanna Lesti707.225.1225

Christine Marek707.226.1823

(707) 226-1823 • 1030 Third Street, Napa

Mark Lesti 707.320.8950 $549,000

2933 Pinewood DriveBrowns Valley single-level with a pool and in agreat neighborhood with easy access to all ofNapa.For more information visit: www.2933pinewood.com

Allen Ray 707.299.7730 $610,000Dave Samson 707.342.0809

212 East 1st StreetCharming Alta Heights home in great location, justminutes from downtown Napa. Hardwood floors,large combined living/dining rm, clay texturedwalls, very pvt backyard fully landscaped. Pride ofownership in this home is obvious!

Coming

Soon

Allen Ray 707.299.7730 $559,000Dave Samson 707.342.0809

1417 King AvenueGreat curb appeal/location in Alta Heights! Features2 separate garages, hardwood floors, good sizedliving room and a nice private backyard.

newLiS

ting


(707) 226-1823 • 1030 Third Street, Napa

Christine LestiAssoc. Broker/Owner

[email protected]

CalBRE #01854432

Mark LestiBroker/[email protected] #01784430

Gorgeous and gated location with breathtaking panoramic views.Live among the vineyards and small wineries on a knoll in a

lovely forested setting.

For more information visit: www.1449swhitehall.comThe Lesti Team Offered at $2,350,000

Stunning new construction in St. Helena! Just about threeblocks to charming downtown Main Street!

For more information visit: www.1435Tainterst.comThe Lesti Team Offered at $1,779,000

Custom built in 1989 to embrace indoor/outdoor living.Hardwood floors & crown mouldings grace the living areas.

Only blocks to downtown!

For more information visit: www.875HuntAve.comThe Lesti Team Offered at $1,450,000

Beautiful Silverado Country Club home. Fine quality andluxurious amenities; 1/2 acre with filtered views and a

wonderful sense of light & space.

For more information visit: www.37BurningTreeCt.comThe Lesti Team Offered at $1,595,000

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MLO#235286Manager,

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MLO#307532415-810-2001Loan Specialist

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FHA slashingmortgage insurancepremiums by$900 a year

by Brittany MorrisJan 7, 2015

After raising them six times during the housing bust, theObama administration is reversing course and rolling backmortgage insurance premiums charged by the FederalHousing Administration by enough to save homeowners anaverage of $900 a year.

In a move expected to bring 250,000 first-time homebuyersinto the market, FHA will reduce annual premiums byhalf a percentage point, to 0.85 percent. That will makehomeownership more affordable for more than 2 millionhomeowners in the next three years, Secretary of HousingJulian Castro said in a statement.

FHA’s upfront premiums of 1.75 percent will remainunchanged. So a first-time homebuyers taking out a$180,000 mortgage will pay $3,150 upfront and $1,530 ayear in premiums for access to FHA mortgage programs thatlet them purchase a home with as little as 3.5 percent down.Today, the same homeowner pays $2,430 a year in annualpremiums.

President Barack Obama is expected to discuss the premiumcuts tomorrow during a visit to Phoenix — one of themarkets hit hardest by the housing boom and bust —Bloomberg reports.

The Obama administration raised FHA premiums duringthe housing bust not only to shore up capital reserves —which were hit hard by loan defaults — but to give backsome of the market share taken away from private mortgageinsurers, who insure mortgages guaranteed by Fannie Mae

and Freddie Mac when borrowers put less than 20 percentdown.Last month, Fannie and Freddie’s federal regulatorsaid the mortgage giants are ready to boost purchases andguarantees of mortgages where borrowers put just 3 percentdown.

Although premium increases and tighter underwritingstandards have helped FHA bolster its insurance fund’scapital position by more than $23 billion, premiumreductions were seen as unlikely. That’s because it willprobably be 2016 before a 2 percent cash cushion mandatedby Congress is restored.

In an analysis published this week, researchers at the UrbanInstitute calculated that if FHA lowered annual premiumsto 0.9 percent — a hair above where they’re actually going— it would still make as much as $3.1 billion on loans itinsures this year.

The National Association of Realtors claims that FHApremium increases priced nearly 400,000 borrowers out ofthe housing market in 2013, and 234,000 in 2014. In thepast four years, NAR said, the share of first-time buyers usingFHA-backed loans shrank from 56 percent to 39 percent.

NAR President Chris Polychron — who will meet PresidentObama tomorrow— is hopeful the premium rollback willprovide greater access to homeownership entry-level andunderrepresented buyers.

“I look forward to attending the speech and sharing ourviews with President Obama,” Polychron said.


EACH OFFICE IS INDEPENDENTLY OWNED AND OPERATED

[email protected]

Top 1% per Napa Bareis MLs

Spectacular Napa Valley View eStateOverlooking the Fabled Stags Leap District in a Gated & Private Setting Minutes to Town. Contemporary StyleSingle Level Home Built in 2004 by Renowned Napa Valley Architect. Panoramic Mt, Vineyard & Valley Views.Great Room Style Living with Floor to Ceiling Walls of Glass that Open to Spacious Outdoor EntertainingAreas. Flexible Floor Plan Offers 2BD with Baths en Suite, 2 Offices; one with a Bath en Suite & a SpaciousBonus Room. Guest House, Pool, Cabernet Vineyard & 3 Car Garage with Attached Office. $3,395,000.

priVate ViNeyard eStateLocated on 6.24 Acres in a Magical Creek-Side Setting. This Special Property Embodies the NapaValley Lifestyle with a Single Level Mediterranean Style Home, Guest House, a 3.5 Acre SyrahVineyard, Pool, Fruit Orchard & Vegetable Garden for Farm to Table Living. Located Down a PrivateDrive in a Serene Creek-Side Setting Minutes to Shopping, Dining & Freeway Access. Bed & BreakfastLicense Available. $2,100,000

Oak kNOll ViNeyard eStateOak Knoll District Vineyard Estate Located on The Valley Floor with Panoramic Vineyard & MountainViews. Single Level Mediterranean Style Home with Classic Finishes & Higher End Amenities Including14’ Ceilings, Plaster Walls & 100 Yr Old Reclaimed Wood Beams. Seamless Flow of Indoor toOutdoor Living with Pool, Swim Up Bar, Cabana, Outdoor Kitchen & Bocce. 4.8 Acres of PremiumChardonnay Leased & Managed by Rock Star Winemaker Steve Matthiasson. $4,500,000

paStOral SettiNgHighly Sought After East Side Location. Pastoral Setting with Beautiful Grounds. Enjoy Farm to TableLiving with Organic Gardens & Certified Organic Gentleman’s Vineyard. Understated Mid CenturyModern Home with Howard Backen Inspired Design. Retractable Doors Open to a Large IronwoodDeck with Views of the Stunning Grounds. State of the Art Barn & Yoga Studio Add to the NapaValley Lifestyle. $2,900,000

StuNNiNg View prOpertyLocated on the East Side of Napa in a Private Gated Setting. Mostly Single Level Home Offers aDesirable Floor Plan with Master Suite & Primary Living Areas on The Main Level & AdditionalBdrms & 2nd Family Rm on the Lower Level Perfect for Guests or Extended Family. French DoorsOpen to Outdoor Entertaining Areas with Pristine Views. 4 Bdrms, Office, Wine Cellar, 1200 Sq FtGarage, All City Services & Room for a Pool! $2,370,000

Valley ViNeyard eStateOak Knoll Valley Floor Vineyard Estate with Panoramic Mt & Vineyard Views. Gorgeous Single LevelHome Built with Entertaining in Mind. Seamless Flow Between Indoor & Outdoor Entertaining Areas.Outdoor Kitchen with Pizza Oven, Counter Seating & Flat Screen TV. Pool, Spa, Putting Green &Bocce. 2+ Acres of Premium Cabernet with Excellent Income. Watch Hot Air Balloons Fly by &Take Long Walks Through the Vineyards. Minutes to Dining & Shopping. $3,450,000

All These And More sold in 2014


EACH OFFICE IS INDEPENDENTLY OWNED AND OPERATED

[email protected]

Top 1% per Napa Bareis MLs

BEAUTIFUL NORTH NAPAWatch Hot Air Balloons Fly by from This Beautiful Home with 4 Bdrms, Office & Loft Located ina Highly Desirable Neighborhood of North Napa. Enjoy the Napa Valley Lifestyle of Indoor/OutdoorLiving with Spacious Outdoor Entertaining Area Including Patio, Pergola, Water Feature & GardenBeds for Farm to Table Living. Gourmet Kitchen with Stainless Appliances Opens to Family Room &Outdoor Entertaining Area. Spacious Master Suite & 3 Car Garage! $979,000

QUINTEssENTIAL NAPA VALLEy VIEw EsTATE

Sprawling Single Level Main 4BD/4BA House, Pool/Guest House, 2.5 Acres of Pinot and Stunning

Vineyard/Mt Views. Located in a Private Gated Setting on All City Services, Enjoy Great Room Style

Living with a Large Family Room that Opens to a Spacious Kitchen with Center Island. French Doors

Open to an Outdoor Entertaining Area with Spectacular Views! $2,195,000

EXTRAORDINARy VIEwsContemporary mid century modern with extraordinary views located on the highly desirable EastSide of Napa. Custom designed by renowned Napa architect Robert Keenan. Perfectly sited on 1/2acre of oak studded grounds in a private setting with all city services. Floor to ceiling walls ofglass to showcase the views from almost every room. 4BD including a spacious master with viewdeck, office with 360 degree views & a den/study. $1,595,000

UPDATED sINGLE LEVEL HOMECompletely Updated Single Level 5BD/3BA Home on Over 1/2 Acre in Browns Valley. Custom Built byDale James; a Renowned Napa Valley Builder of High End Multi-Million Dollar Homes. Vaulted Ceilings,Hardwood Floors & an Abundance of French Doors that Open to Spacious Outdoor Entertaining Areawith Large Patio, Outdoor Kitchen & Plenty of Room for a Pool! Gourmet Kitchen, Large Master Suite withSpa-Like Bath & Oversized 3 Car Garage! $1,395,000

COMPLETELy REMODELED FARMHOUsEQuintessential Turn of the Century Farmhouse on 1 Acre with Serene Mountain & Forrest Views.Well Designed Floor Plan Includes 5 Bdrms Plus an Office, Large Wine Country Kitchen with CenterIsland & Higher End Appliances, Spacious Outdoor Living Area with Pool, Hot Tub, Pergola, OutdoorKitchen, & Raised Garden Beds. Stunning Hardwood Floors, Wainscoting, Sky Lights, RecessedLighting, Wrap Around Porch, 3 Car Garage & More! $995,000

sT HELENA CONTEMPORARy PERIOD HOMESeparate Guest Quarters, Wine Cellar, Detached Office and Private Outdoor Entertaining Area.

Walking Distance to Main St. Tastefully Updated and Upgraded throughout with a Gourmet Kitchen

that Opens to a Family Room, Stunning Hardwood Floors, French Doors, Crown Molding & Much

More! $1,995,000

NEW LISTING


Vol. 32 No. 1 January 5 January 12 January 26

Vol. 32 No. 2 February 2 February 9 February 23

Vol. 32 No. 3 March 2 March 9 March 23

Vol. 32 No. 4 April 6 April 13 April 27

Vol. 32 No. 5 May 7 May 14 May 28

Vol. 32 No. 6 June 8 June 15 June 29

Vol. 32 No. 7 July 6 July 13 July 27

Vol. 32 No. 8 August 3 August 10 August 24

Vol. 32 No. 9 September 7 September 14 September 28

Vol. 32 No. 10 October 5 October 12 October 26

Vol. 32 No. 11 November 9 November 16 November 30

Vol. 32 No. 12 November 30 December 7 December 21

2015 Upcoming issUesMONTHLY

ISSUESPACE

RESERVATIONCOPY

DEADLINEDISTRIBUTION

DATE

We reserve the right to decline properties for the coverand ask that you consider the time of the year

when making the choice for your property.1615 2nd Street, Napa, CA 94559www.napavalleyregister.com/homes

Call to Reserve Space in our Next Issue Today! 707.256.2251

ADVERTISE YOUR BUSINESS OR SERVICE HERECall Randy Principe for more information at 707-256-2251


CECE SHORT707-337-0224CalBRE # 077783985

Spectacular Lake Berryessa custom homeoverlooking the lake with views to Sugar LoafPeak & beyond featuring 4 Bdrms/3 full baths,hardwood flooring, family & living rooms,upgraded to the max inside & out. Loving care& attention to detail is evident throughout.You will not want for a thing whether it be foryour full-time residence or Napa Valley vacationhome. Call us for a list of all the amenities.

Offered for $699,000

REGAL BEAUTY ON THE HILL...

JACK GOODWINBroker/Owner707-257-0443

707-257-1134 faxCalBRE# 00156373

Selling a Loved One’s PropertyOur company has assisted many clients who have had theresponsibility of selling property for a loved one who can nolonger handle their own affairs, or who have been the victimof a serious illness which has disabled them. We can helpin many ways.If you are a Trustee or a Guardian of one’s affairs and needassistance with the sale of Real Estate, we would be happyto help you through what is sometimes a difficult time forboth the person responsible for selling the property as wellas the person who is being displaced.Three of our last four sales have been either an estate ora Trusteeship. We would be happy to provide referencesfrom our clients to show you that extraordinary effortis sometimes needed in this type of sale. We have theexperience and would be happy to talk to you about how wemight make your experience worry free and successful. Wehave had many clients who are from out of state, with lovedones in the Valley, who will attest to our caring responsewhen asked to help. One call will give you peace of mind.

707-257-0443

Two bedrooms and two baths make this a great full-timeor part-time residence. Very clean and functional as is, orconsider it a blank canvas for a total renovation. Call me formore information, or to view this unit.

Fairly Priced at $545,000

Yountville Condo

DAVE JOHNSON707-226-1400

CalBRE# 00967567

NapaResidentialRealty

FAYE GUMAN

Broker/Owner

707-255-5316

Faye Guman

Real Estate Services

BILL & BERNIEWILSON

707-486-8415www.billandbernie.com

CalBRE # 00583715

WW&

Wilson and Wilson Real Estate will bestarting off 2015 in their new location

at 2015 Redwood Road, Napa.Wishing all our clients and

hard-working peers a very happyand healthy New Year!

There’s no place like

[HomeStreet]®

2001 Jefferson Street, Suite ANapa, Ca, 94559

[email protected]

JUDY BICKELLBranch Manager707-252-5972

NMLS# 251412/#2914

Distinguished Independent BrokeragesNAPA VALLEY

EACH OFFICE INDEPENDENTLY OWNED AND OPERATED

Why mortgage ratesare defying expectationsand falling as recoverystrengthens

by Lou BarnesJan 9, 2015

OK, make sense of this:The U.S. economy in a strengtheningrecovery, the Fed is in hold-me-back mode,jobs-jobs-jobs everywhere … and long-terminterest rates, including mortgages, havedropped as they would in a depression.Right. Begin by stripping away three sourcesof confusion.First, the confetti cloud from Wall Street“analysts.” Assume that any commentaryfrom a Street house or an investment fund isa sales pitch. Maybe useful, maybe not, butfrequently designed to induce fear — fearwhich can only be quenched by handingyour money to the firm. These pitches includeattractive but indefensible criticism of theFed, or advocate alternate universes (the goldbrigade, Jim Grant marching naked in front),or government haters.Second, hold at a distance all commentaryrelying on a traditional business cycle, likeall the ones after World War II. A lot of goodpeople are caught in this one — shoot, our

only guide is history and recognition of priorpatterns. But, in the last 20 years we’ve beenmoving farther away from prior pattern,less and less retracing. The cyclical allure ispowerful: If more and more people are goingto work, sooner or later wages will grow, andthen too fast, and then we’ll have an inflationproblem— unless the Fed pre-empts byraising the cost of money.

Third, certainly including this author,nobody knows with any precision whathappens next, not in a situation withoutmodern precedent. However, some wisdomis available from studying the specificdepartures today from prior cycles.

Housing is MIA, flat. Traditional measuresof affordability are off-chart high-side.Mortgages never got above 4.5 percent andare now under 4 percent again. Foreclosuresnew and old are way down. Absolutelyinescapable: Something(s) is missing frompurchasing power. Credit is too tight, butmore important …


The shocker in today’s job data was notanother 252,000 jobs in December, orunemployment down to 5.6 percent, butthe drop in hourly wages, which canceledthe gain in November, the net year overyear a pathetic 1.7 percent gain, minimizedby …The cost of health insurance, includingdeductibles, is killing the averagehousehold. It is not the fault of“Obamacare” except by omission (costreduction was/is every bit as important asmore coverage), but the annual premiumfor a family (employer/family combined)reached $16,000 in 2013, and newsubsidies fall off for family incomes above$75,000 per year.There is a lot of good stuff going on inthe U.S., but those three are the cementFrankensteins in the parking lot. Thenthere is the drag from overseas. The Fed’smost recent meeting minutes contain moremusing about foreign weakness than anyI’ve ever read.The German 10-year is now 0.49 percent,and Japan’s 0.28 percent. Many claimthat European yields are pushed down by

anticipation of ECB QE, but rates heremoved up at the onset of each round ofFed QE, hopeful that QE would work.Alternate explanations for Europe andJapan: too late for QE, debt is growingfaster than economies, default in the air.Europe has a good chance to recover if itrepairs euro-errors, Japan maybe not. U.S.bond yields are pulled down by these two,yet …

Europe is not in deflation — falling oilhas pulled its overall CPI to negative 0.2percent — but its core is still positive 0.6percent. Japan is closer to zero, but thereal problem in both places is AmericanDisease: incomes compressed by globalwage competition.

Wild cards are scattered all over theplace. The collapse of oil should help, butthere may be too many zero-sum effects.Everyone in that market assumes thatprices will rebound to the $70-a-barrellevel. China is slowing, trying to rebalanceits economy, but even they can’t know thepace or effects inside or out.

Nobody believes the Fed. Short-termTreasurys have priced in one 0.25 percenthike this year, a Wright brothers liftoff. Ifconsidering a refi in this murk, take anydeal that recaptures costs in 18 months orless, and don’t wait for lower.


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ALL MY FRIENDS AREWILDJoin Us to Help Wildlife

Wildlife Rescue Center of NapaCounty rescues, rehabilitates, andreleases orphaned and injuredwildlife back to their wild lives. Ourwild friends need your help andsupport. If you’re curious about waysto be involved with helping wildlife,please call 707 685-5411 and askabout volunteer opportunities.

If you find a wild orphan babyor injured wildlife, please callthe Wildlife Center’s hotline:(707) 224-HAWK (4295).

Sandy Borges-Herbert CalBRE #00793442

780 Trancas Street, Napa, CA • 707.815.8808 • o [email protected] • heritagesir.com

This baby opossum has about 6 weeks ofrehabilitation to go before she’s ready tobe released into her wild life. Visit NapaWildlifeRescue.org for more information.

AND...Because all MY friends are wild, I will be donating aportion of my Real Estate Commissions for the year towardthe amazing job the Wildlife Rescue Center of Napa Countydoes to protect our wildlife.

Sandy Borges-Herbert, Realtor


The Estate atSilverado Highlands

Details Page 3

October 2014October 2014

silverado country clubTo Host pga Tour Event October 6-12th

See pages 17-18 For Details

OctOber 2014 September 2014

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Serving theentire Bay Area

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FAIRFIELDExceptionally large townhome with three bedrooms,

2.5 baths and more. Formal dining area with fire placein great room and double patio front and rear of unit.Community pool directly across from unit. Oversize two

car garage with inside laundry and more.Willie Jefferson • CALBRE#01244647 • 707-334-7900

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VALLEJOBeautiful home in a great neighborhood. Hardwood floors, remodeled gourmet kitchen,fireplace, breakfast Room with built-in cabinets, Inside laundry room and storage, brick

patio, large family room with balcony. Many more surprises for you to love!Nelia Medeiros • CALBRE#01331611 • 707-365-9600Loreto Stribling • CALBRE#01880439 • 707-342-3115

$429,000

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VALLEJOCharming 3 bedroom, 2 1/2 bath home located nearCimarron Hills. Sloped backyard with large 42ft wide

garden, shed with loft and play structure. Cathedral ceilings,granite counter tops, new stainless steel appliances and so

much more! Come see your new home!Alicia Avila • CALBRE#01941963 • 925-301-6311

$284,999

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VALLEJOAdorable home in beautiful Bay Terrace. Renovated in

recent years, it features wood floors, water views, separateentry porch, and a spacious garden. Unique neighborhood

near Mare Island, Touro University, and Ferry to SF.Anita Yaffe • CALBRE#01385913 • 707-853-5105

$250,000

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OAKLAND1880 Home with many details intact. Great corner

lot with lots of space for your urban garden. Currentlyconfigured as two units. Minutes from BART, Bay

Bridge and downtown Oakland.Anita Yaffe • CALBRE#01385913 • 707-853-5105

$610,000

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VALLEJOGreat opportunity to live in Hiddenbrooke CountryClub. 3 bedroom + den. Warm designer wall colors

throughout. Spacious kitchen with a center island Plentyof cabinet space. Refrigerator will convey. Large master

suite and master bath with tiled floors, dual vanity,soaking tub. Large walk-in closet with built in storagesMalu Rivera • CALBRE#01317603 • 707-681-5938

$406,000

sOLd

VALLEJOA beautiful 4 bedroom, 3 bath home located on a quiet court with a view.One bedroom and full bath downstairs. Upgrades include granite counters,tile and plantation shutters. Intercom/radio throughout home. Fireplace incozy family room. Deck off of upstairs bedroom. Spacious back yard withpatio, tool shed and ample fruit trees.....peach, pear, lemon to name a few!

RV parking and workshop, too. Must see!Lisa Guerrera • CALBRE#01934759 • 707-333-9656

$359,000

AmERIcAN cANyONVery rare 5 BDRM, 3 Bath home on well maintained street in Victoria

Faire. One BDRM, full bath downstairs. Hardwood flooring in living andfamily room. Tile in kitchen. Spacious backyard with patio. RV parking.

Great potential for the right buyer. Don’t miss this one!Loreto Stribling • CALBRE#01880439 • 707-342-3115Lisa Guerrera • CALBRE#01934759 • 707-333-9656

$449,000

underCOntra

Ct

Pendin

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AmERIcAN cANyONYour Napa Valley experience begins here... plenty of land to plant grapes and/or add on andmake it your dream home! A nicely remodeled 3 bedroom, 2 bath home with French doorsleading to a little over 1/2 acre lot. Granite counters in kitchen and bath. Partial originalhardwood flooring and crown moulding. Detached garage with bedroom/full bath. Work

shed and working well. Close to shopping and transportation. Must see this unique property!!Ron Banasik • CALBRE#00557904 • 707-373-3139Lisa Guerrera • CALBRE#01934759 • 707-333-9656

$499,000

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140 LOS ALTOS DR 11/26 $249,000 3 1 987 1954886 SPRING MOUNTAIN LN 11/20 $272,000 3 2 1,316 19893 TYLER CT 10/20 $290,000 3 1 1,024 1971112 JOAN DR 10/31 $305,000 3 1 1,288 1954136 BROPHY ST 11/14 $305,000 3 3 1,520 1969423 NORTHRUP LN 12/10 $315,000 4 3 2,796 2001305 MARLA DR 12/19 $337,500 4 2 1,460 19678 DANIEL DR 11/18 $340,000 4 3 1,965 1999240 FOLLAND DR 12/1 $370,000 4 2 1,594 1987736 WESTPARK 11/18 $375,000 3 3 1,728 20012334 ELLIOTT DR 11/5 $380,000 3 3 1,625 1988114 ELKE DR 11/26 $385,000 4 2 1,464 1995220 GOLDEN BROOK LN 11/14 $385,000 3 3 1,682 2006338 SUMMERWOOD DR 11/17 $417,500 3 2 1,842 201119 VIA BELLAGIO 12/26 $442,000 5 3 2,370 2003266 BRIXTON CT 12/19 $450,000 4 3 1,886 198890 NORWICK CT 11/18 $460,000 4 3 1,982 198823 PELLERIA DR 12/19 $460,000 4 2 2,233 200348 PALAZZO WAY 11/25 $485,000 5 3 2,746 2003416 BETTONA WAY 11/7 $487,500 4 3 2,720 200165 OAKSTONE WAY 12/24 $530,000 6 3 3,164 200510 FARENTINO PL 11/7 $580,000 5 4 3,422 201130 VIA PESARO 11/17 $610,000 4 4 4,088 2004

Calistoga Single Family

1624 GRANT ST 12/24 $500,000 2 2 1,626 19501607 FOOTHILL BLVD 11/14 $600,000 2 2 1,350 19631546 CENTENNIAL CIR 12/12 $760,000 4 2 2,324 1989

Napa Single Family

5 BIRCH PL 12/23 $175,000 2 1 747 1941513 COFFIELD AVE 11/19 $209,500 2 2 1,192 19432180 SHURTLEFF AVE 12/1 $310,000 2 1 1,296 19512716 LAUREL ST 12/3 $315,000 3 1 1,102 194114 ARROWWOOD AVE 12/12 $335,000 2 1 765 19436 ARCHER AVE 12/12 $335,000 2 1 765 19414452 TANGLEWOOD WAY 9/16 $335,500 3 2 1,313 19702059 MARIA DR 10/24 $345,000 4 2 1,196 19651407 CAROL DR 11/21 $346,500 3 1 1,015 19532372 BOHEN ST 12/8 $350,000 3 2 1,120 19552531 ADRIAN ST 12/3 $350,000 3 2 1,689 19522463 BEACH ST 12/19 $365,000 3 2 1,344 19712149 HOLMES AVE 12/24 $369,000 2 1 1,000 19502521 ELM ST 11/7 $385,000 3 1 1,098 1958720 GREENBACH ST 11/26 $399,000 3 2 1,204 19553534 JEFFERSON ST 12/10 $399,000 3 2 1,100 1958153 S SEYMOUR ST 11/14 $400,000 2 1 892 19431401 RUBICON ST 12/10 $405,000 3 2 1,079 19563729 NORFOLK ST 12/10 $412,500 3 2 1,080 19591152 EGGLESTON ST 12/1 $419,000 2 1 856 19002427 W PUEBLO AVE 12/24 $420,000 3 1 1,379 19523261 MONTCLAIR AVE 11/26 $420,000 3 2 1,269 19592474 VINE HILL DR 11/21 $425,000 4 3 1,549 19752501 PACIFIC ST 12/8 $425,000 3 2 1,203 19433632 BAXTER AVE 12/9 $429,000 4 2 1,472 19611571 TALLAC ST 11/10 $430,000 3 2 1,144 19591156 EGGLESTON ST 10/15 $430,000 2 1 918 20052033 S TERRACE DR 12/17 $430,000 3 2 1,764 19642661 YAJOME ST 11/21 $435,500 2 1 1,232 19003801 LASSEN ST 11/20 $438,500 4 2 1,382 19633254 MAIN ST 11/5 $441,500 3 2 1,600 19553585 IDLEWILD AVE 12/9 $445,000 3 2 1,100 195930 LINNELL AVE 12/11 $449,000 2 1 827 19421542 BASQUE CT 12/19 $450,000 4 2 1,268 19673253 MONTCLAIR AVE 11/20 $455,000 3 2 1,144 19593739 WILLIS DR 12/18 $455,000 3 2 1,414 19632586 HARVEST LN 11/17 $463,000 3 3 1,771 19902093 DEVONSHIRE DR 12/19 $465,000 3 2 1,336 19934041 MALONE DR 11/6 $470,000 4 2 1,665 19601673 PAULSON WAY 11/14 $476,000 4 3 1,968 19731020 WYATT AVE 12/23 $480,000 3 3 1,788 19711290 EL CAPITAN WAY 12/4 $495,000 3 2 1,597 19592924 DEVITA DR 11/14 $504,500 2 1 988 19501501 BARBARA RD 11/19 $505,000 3 1 1,357 1954755 JOSEPH CT 11/7 $512,000 4 3 1,997 1978

1657 PEAR TREE LN 12/12 $515,000 3 3 1,837 20042212 CULPEPPER ST 11/25 $525,000 3 2 1,425 19912722 BEECHAM CT 11/13 $539,000 3 3 2,007 1979203 E FIRST ST 11/18 $550,000 3 2 1,778 19382904 CONIFER CT 11/20 $559,000 3 2 1,945 19851035 CENTURY DR 12/4 $560,000 3 2 1,502 19761672 PEAR TREE LN 11/10 $560,500 3 3 2,334 20041117 MOUNTAIN VIEW CIR 12/2 $565,000 4 2 2,118 19753274 EUGENE CT 11/21 $565,000 3 2 1,822 19722562 VINE HILL DR 11/14 $570,000 4 2 1,549 19723955 BRIARWOOD ST 11/25 $570,000 3 2 1,468 19682057 KAYWOODIE ST 12/5 $580,000 3 3 1,587 19733763 CLARA DR 12/4 $580,000 4 2 1,845 19773370 SUNVIEW DR 12/12 $585,000 4 2 1,827 19767 CASASSA CT 12/24 $585,000 4 2 1,643 19972462 ALLEGHENY DR 11/14 $590,000 3 3 1,771 19912052 W LINCOLN AVE 12/2 $599,000 2 3 2,625 20041492 CENTER ST 12/15 $610,000 3 1 1,094 195712 MONTECITO BLVD 11/21 $610,000 2 1 1,120 19471765 THIRD ST 12/23 $615,000 2 2 1,178 n/a2110 WAVERLY ST 11/6 $619,000 4 3 1,983 19614510 STILLSON ST 12/16 $630,000 4 3 2,169 19913536 SANDYBROOK LN 12/10 $639,000 5 2 2,012 19731011 STONEBRIDGE DR 10/31 $640,000 3 2 1,648 198446 SUMMERBROOKE CIR 12/19 $645,000 4 3 2,575 19993177 STALLINGS DR 11/10 $649,000 4 3 2,815 19971648 SYCAMORE ST 12/2 $650,000 3 2 1,725 19393622 ARGYLE ST 12/29 $660,000 4 3 2,001 1971512 DONWOOD LN 11/4 $669,000 3 2 1,755 1960349 SKYLARK WAY 12/10 $680,000 4 2 2,137 19851231 CAYETANO DR 11/26 $689,000 4 3 2,416 20001041 ERMINE ST 9/30 $695,000 4 4 2,268 201327 LAUREL LN 11/7 $700,000 3 3 3,317 199231 S NEWPORT DR 11/20 $703,000 3 3 1,946 19901610 EL CENTRO AVE 11/19 $729,000 4 4 2,458 1975341 ST ANDREW DR 11/26 $730,000 3 2 1,792 1970360 RANDOLPH ST 11/24 $749,000 2 1 874 18961121 CHANNING WAY 11/14 $766,500 4 3 2,436 20133305 CARMEL DR 11/21 $790,000 4 3 2,449 20123187 TIFFANIE LN 11/4 $825,000 3 3 2,481 1988181 KAANAPALI DR 11/4 $850,000 3 2 2,299 197591 SYAR DR 11/6 $862,500 3 3 2,207 197710 ABBEY CT 11/25 $885,000 4 3 2,761 19923307 CARMEL DR 11/21 $905,000 4 3 2,925 2012192 SKYLARK WAY 12/18 $935,000 4 4 2,979 2012150 OLD VINE WAY 10/31 $945,500 3 2 2,065 200245 EL NIDO DR 11/21 $1,140,000 3 3 2,984 1972264 SILVERADO SPRINGS DR11/20 $1,220,000 4 3 3,065 1990409 BEAR CREEK CIR 12/8 $1,325,000 2 3 3,000 19981030 BORRETTE LN 11/21 $1,455,000 3 3 3,985 1992198 WESTGATE DR 11/20 $1,520,000 4 4 4,262 198921 PINNACLE PEAK 11/26 $1,950,000 4 4 4,345 197925 GREENBRIAR CIR 10/31 $3,505,000 5 7 6,610 2007

Rutherford, Oakville Single Family

1250 BELLO AVE 11/24 $450,000 2 1 744 1945

St. Helena Single Family

1724 TAINTER ST 12/24 $536,000 2 2 914 19341161 HUDSON AVE 11/14 $620,000 2 1 1,016 1960154 ROSEBUD LN 12/11 $655,000 3 3 2,115 20131191 HUDSON AVE 11/14 $690,000 3 2 1,364 195631 VOELKER CT 11/21 $723,000 3 3 2,676 19682081 SPRING ST 9/30 $768,818 2 2 1,287 19661148 HUDSON AVE 12/11 $776,000 3 2 1,408 19561150 CRANE AVE 11/24 $958,000 3 2 1,531 19641747 SCOTT ST 11/20 $1,275,000 2 2 1,180 19481636 SCOTT ST 11/17 $1,440,000 4 3 1,908 19051440 KEARNEY ST 11/12 $1,695,000 5 3 2,861 19191575 SYLVANER AVE 11/10 $1,700,000 3 3 2,127 1978

Yountville Single Family

4 REDWOOD DR 12/17 $655,000 2 2 1,069 199727 FORRESTER LN 10/31 $765,000 2 2 1,069 19981891 HERITAGE WAY 12/3 $1,105,000 4 3 2,762 199312 STAGS VIEW LN 10/31 $1,323,000 3 2 2,176 2014

American Canyon Single Family

ADDRESS PURCHASE DATE SALE PRICE BED BA SQ.FT. YR BLT ADDRESS PURCHASE DATE SALE PRICE BED BA SQ.FT. YR BLT


Napa Condos

23 BRIDGEGATE WAY 11/12 $179,500 2 3 1,033 1998

38 BELVEDERE CT 12/23 $238,000 2 2 897 1972

31 BELVEDERE CT 12/1 $259,000 2 2 947 1972

3422 WILLIS DR 12/23 $270,000 3 2 1,320 1974

8 BELVEDERE CT 11/25 $270,000 2 2 960 1972

3487 VALLE VERDE DR 12/8 $275,000 2 2 970 1972

3471 VALLE VERDE DR 12/18 $279,000 2 2 1,081 1972

3411 WILLIS DR 11/24 $280,000 3 2 1,320 1974

1600 ATLAS PEAK RD #467 11/25 $280,000 1 1 689 1968

1152 PEAR TREE LN 12/23 $299,000 2 3 1,301 1993

32 BELVEDERE CT 12/12 $299,000 3 2 1,120 1972

103 FIREFLY LN 12/22 $374,000 3 4 1,478 2010

2784 ELKS WAY 11/4 $380,000 3 2 1,407 1988

2119 REDWOOD RD 10/9 $390,000 3 2 1,367 1970

2681 REUBEN CT 11/25 $489,000 3 2 1,619 1978

588 MAIN ST #209 12/12 $490,000 1 1 927 2009

878 OAK LEAF WAY 11/26 $599,000 3 2 1,301 1979

588 MAIN ST #317 11/24 $950,000 2 2 1,788 2009

Yountville Condos

135 VINEYARD CIR 11/26 $647,500 2 2 1,154 1977

Angwin Rural Residential

260 MCREYNOLDS DR 12/19 $350,000 3 2 2,292 1976

108 BROOKSIDE DR 11/25 $415,000 3 2 1,296 1980

660 LINDA FALLS TERRACE 12/4 $3,750,000 2 3 3,744 2008

Berryessa Rural Residential

1053 ARROYO GRANDE DR 11/17 $131,000 3 3 1,320 1991

1025 ARROYO LINDO CT 12/12 $184,000 3 2 1,256 2002

414 REDROCK LN 11/14 $185,000 2 2 1,139 2005

Calistoga Rural Residential

3251 STATE HIGHWAY 128 10/3 $116,000 1 1 696 1949

569 GLASS MOUNTAIN LN 12/3 $430,000 3 2 1,208 1935

123 ROSE LN 12/9 $450,000 2 1 1,137 1963

748 SUNNYSIDE RD 11/21 $550,000 3 2 1,712 1954

512 SANITARIUM RD 11/17 $650,000 3 2 1,564 1938

4455 LAKE COUNTY HWY 12/5 $800,000 3 2 2,192 1993

3230 OLD LAWLEY TOLL RD 11/21 $2,325,000 3 5 3,845 1994

Napa Rural Residential

2078 BIG RANCH RD 11/20 $730,000 4 2 1,450 1926

1050 LA GRANDE AVE 11/10 $850,000 3 2 1,469 1964

1390 FOURTH AVE 12/17 $885,000 3 2 2,128 1958

1031 BARROW LN 12/2 $1,350,000 4 3 2,794 1971

1565 PARTRICK RD 11/6 $1,425,000 3 3 1,755 1939

2057 THIRD AVE 12/3 $2,560,000 4 6 4,341 1975

Pope, Chiles, Wooden Valleys Rural Residential

5106 STATE HIGHWAY 128 12/15 $300,000 2 1 1,242 1996

187 RIDGECREST DR 10/31 $500,000 4 2 2,008 1975

875 N WHITE COTTAGE RD 11/5 $870,000 2 2 2,388 2002

3704 MONTICELLO RD 12/8 $920,000 3 2 1,782 1973

199 KNOLL PL 11/21 $990,000 4 3 2,619 1973

1451 BIG ROCK RD 12/8 $2,890,000 3 4 4,045 1990

Southern County/Carneros Rural Residential

2240 CUTTINGS WHARF RD 12/2 $100,000 3 3 1,846 1946

1494 MILTON RD 12/23 $272,000 4 1 1,400 1955

1520 MILTON RD 12/16 $362,500 1 1 1,228 1955

1606 MILTON RD 11/12 $502,500 3 1 1,347 1966

1170 BAY VIEW AVE 11/10 $1,500,000 3 3 3,090 1994

1151 CONGRESS VALLEY RD11/26 $1,512,500 3 3 2,784 1976

St Helena Vineyard Residential

3350 EHLERS LN 11/20 $850,000 3 2 1,153 1920

ADDRESS PURCHASE DATE SALE PRICE UNITS YR BLT LOT SIZE

Angwin Residential Multi Family

130 BROOKSIDE DR 11/21 $252,000 3 1938 21,395

Napa Residential Multi Family

404 CROSS ST 11/14 $875,000 3 0 6,454

1015 EL CENTRO AVE 12/3 $1,200,000 0 0 217,800

Yountville Residential Multi Family

6757 JEFFERSON ST 12/1 $1,615,000 0 2005 7,377

Calistoga Commerrial

3037 FOOTHILL BLVD 12/16 $800,000 n/a n/a 35,956

1250 LINCOLN AVE 12/2 $3,450,000 n/a n/a 24,006

Napa Commerrial

2178 SHURTLEFF AVE 12/1 $310,000 n/a n/a 13,917

4407 SOLANO AVE 12/19 $1,750,000 n/a n/a n/a

St Helena Commerrial

1320 MAIN ST 12/23 $3,200,000 n/a n/a n/a

ADDRESS PURCHASE DATE SALE PRICE BED BA SQ.FT. YR BLT

*As recorded at the Napa County Tax Assessors Office - John Tuteur/707-253-4459.Property sales reported may include partial interest transfers; sales that are included with other properties; sales that are less any liens on property.

Recent home sales*

ADDRESS PURCHASE DATE SALE PRICE BED BA SQ.FT. YR BLT


of advertisersColdwell Banker BOV - Carolyn Roberts ................................... 2

Yvonne Rich Exclusive Estates ................................................ 3-7

Calistoga Realty Co., Inc. .................................................... 12-13

St. Helena Real Estate ...............................................................15

Terra Firma Global Partners .....................................................17

Gates Estates....................................................................... 19-21

Windermere Real Estate...................................................... 24-25

Pinnacle Mortgage ....................................................................26

Terra Firma - Wunderlich .........................................................27

Heritage SIR - Jill Levy ....................................................... 30-31

Distinguished Independent Brokerages .....................................33

Wildlife Rescue - Sandy Borges-Herbert ...................................37

Eagle Vines Realty............................................................... 40-41

Coldwell Banker BOV - Carolyn Roberts ............................ 46-47

Heritage SIR - Gary Rose........................................... Back Cover

www.cbnapavalley.com

Napa1775 Lincoln AvenueNapa, CA 94558707.258.5200St. Helena1289 Main StreetSt. Helena, CA 94574707.963.1152Sonoma800 Broadway707.996.3232

CeCe ShortCalifornia OutdoorProperties4338 Berryessa Knoxville Road2015 Redwood Road, Napa707.337.0224

Eagle Vines Realty4381 Broadway/Hwy 29,Ste. 104American Canyon, CA 94503707.649.8088www.EagleVinesRealty.com

Calistoga Realty Co., Inc.1473 C Lincoln AvenueCalistoga, CA 94515707.942.9422www.calistoga-realty.com

Faye GumanReal Estate ServicesFaye Guman, Broker/OwnerNapa, CA707.255.5316

Pinnacle Capital Mtg Corp700 Irwin St., #300San Rafael, CA 94901707.244.1460Sean Marek,Manager Loan [email protected]


Dave JohnsonNapa Residential Realty727 Lincoln Avenue, Ste. ANapa, CA 94558707.226.1400

Windermere1040 Third StreetNapa, CA 94559707.226.1823www.windermerenapavalley.comR E A L E S TAT E

Wilson & Wilson1041 Jefferson Street, Ste. 2Napa, CA 94559707.257.2007www.billandbernie.com

Napa Valley real estate

www.pacunion.com

Napa944 Main StreetNapa, CA 94559707.251.8805

St. Helena1508 Main StreetSt. Helena, CA 94574707.967.1340

420 La Fata Street, Suite 204St. Helena, CA 94574

Sonoma County Offices802 Fourth StreetSanta Rosa, CA 95404

130 Petaluma Avenue, Suite 1CSebastopol, CA 95472

Six C StreetPetaluma, CA 94952

10 Maple Street, Suite 102Sonoma, CA 95475

@ The ARTHouse, 13758 Arnold DriveGlen Ellen, CA 95442Marin County Office523 Fourth Street, Suite 218San Rafael, CA 94901

winecountrygroup.com

Petaluma775 Baywood Drive, Ste. 100Petaluma, CA 95954707.769.0600

Santa Rosa50 E StreetSanta Rosa, CA 95404707.542.9200

Sebastopol7300 Healdsburg Ave., Ste. BSebastopol, CA 95472707.829.2011

Sonoma470 First Street, EastSonoma, CA 95476707.939.2000

St. Helena1316 Main StreetSt. Helena, CA 94574707.963.5266

Bodega Bay850 Highway 1Bodega Bay, CA 94923707.875.9100

Cloverdale233 N. Cloverdale Blvd.Cloverdale, CA 95425707.894.1575

Healdsburg119 North StreetHealdsburg, CA 95448707.431.9440

Napa1130 Main StreetNapa, CA 94559707.265.1600

www.heritagesir.com

Napa780 Trancas StreetNapa, CA 94559707.255.0845St. Helena1126 Adams StreetSt. Helena, CA 94574707.255.0845

Mt. St. Helena Realty1705 Washington St., Suite JCalistoga, CA 94515707.942.6225Email: [email protected]

Jack GoodwinReal Estate ServicesJack Goodwin, Broker/Owner707.257.0443Fax 707.257.1134

Gates Estates6550 Washington StreetYountville, CA 94599707.944.0888www.gatesestates.com

HomeStreet2001 Jefferson Street, Suite ANapa, Ca, [email protected]

St. Helena Real Estate1346 Main StreetSt. Helena, CA 94574707.967.9570www.sthelenarealestate.com

Napa County Offices1405 Second StreetNapa, CA 94559

www.terrafirmaglobalpartners.com800-681-1361/888-864-4133

2015 Redwood Road



cbnapavalley.com


[email protected]

Country Contemporary Lovely 5 Acres of TotalPrivacy tucked away in a beautiful wooded area.Contemporary home with cathedral ceilings andwalls of glass. Guest unit with a separate entry.


1.57 Acre Creekside SettingCountry cottage tucked awayon a quiet dead end street. 2BD/2BA spacious homewith charming covered wrap around deck. Oversized2 car garage w/bonus room above and an approx.900+ sq.ft. shop. just minutes to downtown.

Offered at $779,999

One of a Kind! A unique custom home built overa year round stream. Spectacular views from everyroom of water falls and wildlife. 2 Spacious suites.Private and natural setting.

www.GreenValleyRoad.comOffered at $1,395,000

Oak Creek Unit Nicely maintained and furnishedupper 2 bedroom unit. View of hills from front deck,pool and tennis views from deck off living room.Carport and golf cart garage. Come take advantage ofall the Silverado Resort has to offer.

Offered at $465,000



cbnapavalley.com


[email protected]

Welcome Home to Cedar GablesCedar Gables Mansion is a perfect family home. Originally built as a single family home it has gone through many uses, but hasmaintainedmost of its original character. The 9 beautiful bedrooms, all with their own bathroomswould allow friends and family to easilycome visit. The Culinary Showcase Kitchen and the outdoor kitchen make the professional chefs that have hosted cooking classes here,ecstatic. The formal dining room with its crystal chandeliers seats up to 18, making you the perfect host. The small intimate Tavern, withits low ceilings and paneled walls is called the Man Cave by most. The wine cellar in the basement can hold up to 1200 bottles. The oldgrowth redwood paneling that surrounds the interior brings that Warm lustrous quality to music and voice. And with 3 secret staircasesand lots of secret places, the Mansion is a perfect place for hide and go seek. You find yourself wrapped in comfortable luxury. MLS#21116886



EACH OFFICE INDEPENDENTLY OWNED & OPERATED

Artfully uniting extraordinary properties with extraordinary lives.

Measuring Our Success By....The People We Help

Gary Rose For all Napa listings go towww.silveradohomes.org707-256-2147CalBRE# 00940226

Enlarged and Remodeled

An enlarged and remodeled Bel Aire 3BD/2BA home. Gleaming hardwoodfloors, expanded family room, 2 rebuilt fireplaces, remodeled kitchen and

baths, newer dual paned windows, heating and AC system, fixtures, doors andhardware. All ready for your personal touches to make this a lovely home!

Offered at $479,000

White Cliff Ranch

Dream about and plan your private Napa Valley Estate among thepristine 163 acres of this former historic resort. Vineyard views,abundant flora, fowl and 7 existing mineral springs will serve as

your catalyst to create the magical estate of your dreams.Offered at $895,000

COMING SOON..... Please call for details.• Browns Valley - "Single Level" 3BR/2BA 1,874 sf. $550-$580,000• East Side - "Country" 1.01 Acre 4BR/2BA 2,311 sf. $750-$800,000• East Bel-Aire - Large Family room 3BR/2BA 1,481 sf. $425-$440,000• Devita Built - Hardwood floors and large lot 3BR/1BA 1,490 sf. $475-$500,000• West Napa - Hardwood floors and large lot 3BR/1BA 1,018 sf. $430-$450,000

Distinctive Properties - February 2015

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Transcript of Distinctive Properties - February 2015