Real Estate 3

The Albany Herald • www.albanyherald.com • Sunday, September 18, 2011

2 THE ALBANY HERALD • REAL ESTATE SHOWCASE • Sunday, September 18, 2011 • www.albanyherald.com

(ARA) - When new technology makesits way into home design, often itenters through the kitchen. The heartof the home is also the portal for inno-vation, and many of the technologiesthat we now use throughout our homeswere first applied in the kitchen.

Kitchen innovation has come a longway since the exciting days when therotary hand-mixer replaced the whisk- and liberated a generation of home-makers from the labor of beating bat-ter by hand. Here are some new trendsand technologies to watch:

Removable, reusable wallpaper

While wallpaper has been gracingAmerican kitchens for generations,those who have shied away from usingit there have had good reasons.Applying wallpaper to an entirekitchen wall is a big design commit-

ment. The labor of cutting around cab-inets, cupboards, windows and doorsmeans most homeowners would onlytackle wallpapering a kitchen justonce. Or, they may have really playedit safe by restricting their wallpaperactivities to adding a border. And, even“washable” wallpaper had to stay onthe walls, where it would, over time,get splattered and stained.

A new product, SmartStick byMuralsYourWay.com, makes it easy toadd wall designs anywhere you wantin your kitchen. The moisture-resis-tant mural can be repositioned any-where in the kitchen and can bereused hundreds of times without los-ing its adhering qualities. Murals forkitchens can even by customized. Justsubmit your photo through the websiteand the company creates a custommural using your artwork.

Three next-generation kitchentechnologies to watch

See Kitchen, page 4

THE ALBANY HERALD • REAL ESTATE SHOWCASE • Sunday, September 18, 2011 • www.albanyherald.com 3


Wireless power

Electricity is a current and currentsrequire a cord to deliver power fromthe source to whatever is being pow-ered - right? Not anymore. The emer-gence of wireless power is replacingtraditional cords with electromagneticfields. While the science behind wire-less power is truly leading-edge stuff,the technology itself has some verydown-to-earth, practical applications inthe kitchen.

How many times have you had to movecords out of your way when workingwith a small appliance in your kitchen?Cords are inconvenient at least anddangerous at worst if they get wet ordamaged. Designers and engineers areworking on adapting wireless technolo-gy for kitchen appliances - so you canrun a blender without ever having toplug it in.

Hands-free fun

While the kitchen is one of our favoriterooms in the house, it can also be abreeding ground for bacteria. Virtuallyevery hand that enters a home makesits way to the kitchen, where touchingcommon surfaces like faucets, lightswitches and even paper towel holderscan spread germs. And when you’recooking, cross-contamination is alwaysa concern.

Convenient and healthful, touch-freetechnology can help reduce the spreadof germs by eliminating the need toactually touch common surfaces. Thetechnology is already being used inkitchen faucets and lighting. One com-pany has even created a paper toweldispenser using the technology. Watchfor innovative designers to find moreways to apply this useful technologythroughout the kitchen.

Kitchen design continues to be alaunching pad for exciting new tech-nologies. And, today’s “innovative”kitchen technology will probablyappear routine to future generations.

KitchenContinued from page 2


INSURANCE COSTS

Based on 1999 Brick Veneer home in Albany. Includesreplacement contents with $300,000 Liability. Has $500

deductible. Compliments of Copelan Insurance Agency, Inc.

Home Contents MonthlyValue Value Premium

$100,000 $80,000 $24

125,000 100,000 28

150,000 120,000 32

175,000 140,000 36

200,000 160,000 40

225,000 180,000 44

250,000 200,000 49

HOW MUCH HOUSE CAN YOU AFFORD?

• Determined by multiplying gross wages by .28, a common method used by lending institutions.•• Determined by multiplying gross wages by .36, a common method used by lending Institutions.

† Based on an average interest rate of 7.5%‡ Based on an average interest rate of 7.25%

This table is intended only as a guide. For more specific information, contact a local lending institution.

House Value15 Year Mortgage

MonthlyGross Income

MaximumMortgage Payment

MaximumMonthly Debt

House Value30 Year Mortgage

MORTGAGE PAYMENTS CALCULATORMonthly interest, interest payments for 30-year, fixed rate mortgage. Escrow payments for taxes, insurance not

included. Payments are rounded to the nearest dollar.

PROPERTY TAXES

Calculations based on 2002 mileage rate -- monthly paymentsmultiply value of home times 40%, multiply answer time mileage ratedivide by twelve for monthly payment

These are ESTIMATED tax rates. They are based upon 2002 millage rates for each cityand county and include school tax. The Homestead Exemption discount is not included.

Monthly Payment Home Value

Albany Leesburg Smithville Dougherty County

Lee County

• •• † ‡

$1,600 448 576 65,164 50,028

1,800 504 648 73,309 56,281

2,000 560 720 81,455 62,535

2,200 616 792 89,600 68,788

2,400 672 864 97,745 75,042

2,600 728 936 105,891 81,295

2,800 784 1,008 114,036 87,549

3,000 840 1,080 122,182 93,802

3,200 896 1,152 130,327 100,056

3,400 952 1,224 138,473 106,309

3,600 1,008 1,296 146,618 112,563

3,800 1,064 1,368 154,764 118,816

4,000 1,120 1,440 162,909 125,070

4,200 1,176 1,512 171,055 131,323

4,400 1,232 1,584 179,200 137,577

4,600 1,288 1,656 187,345 143,830

4,800 1,344 1,728 195,491 150,084

5,000 1,400 1,800 203,636 156,337

5,200 1,456 1,872 211,782 162,591

5,400 1,512 1,944 219,927 168,844

5,600 1,568 2,016 228,073 175,098

5,800 1,624 2,088 236,218 181,351

Mitchell County

4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% $50,000 $252 260 268 276 284 292 $300 $308 $316

60,000 309 317 325 333 341 350 360 369 379

70,000 365 373 381 389 397 409 420 431 442

80,000 422 430 438 446 454 467 480 493 506

90,000 479 487 495 503 511 525 540 554 569

100,000 536 544 552 560 568 584 600 616 632

110,000 593 601 609 617 625 641 660 677 695

120,000 649 657 665 673 681 700 719 739 758

130,000 706 714 722 730 738 759 779 800 822

140,000 763 771 779 787 795 817 839 862 885

150,000 820 828 836 844 852 875 899 924 948

160,000 876 884 892 900 908 934 959 985 1011

170,000 933 941 949 957 965 992 1019 1047 1075

180,000 990 998 1006 1014 1022 1050 1079 1108 1138

190,000 1047 1055 1063 1071 1079 1109 1139 1170 1201

200,000 1104 1112 1120 1128 1136 1167 1199 1231 1264

$ 60,000 $ 75 81 $ 75 39 $ 67 49 $ 72 49 $ 59 49 $ 53 19

80,000 104 68 100 52 89 99 96 66 79 32 70 92

100,000 130 86 125 65 112 49 120 82 99 15 88 66

150,000 196 29 188 48 168 73 181 24 148 73 132 99

200,000 261 72 251 31 224 98 241 65 198 31 177 32

250,000 327 15 314 14 281 22 302 06 247 89 221 65

MORTGAGE RATES

30-YEAR FIXED RATE

(No Points)

1-YEAR ADJUSTABLE RATE (No Points) FHA and/or VA (30-Year) FHA and/or VA (15-Year)

LENDER

Subject To Change Upon Short Notice

E LECTRICAL & N ATURAL G AS C OMPANIES City of Albany Georgia Power Mitchell EMC Sumter EMC 883-8330 436-3304 436-0070 759-2291

T ELEPHONE AT&T Residential 888-757-6500

www.att.com Business 866-620-6000

I NTERNET P ROVIDERS AT&T ( Dial-up 800-436-8638) ( DSL 800-263-0241) www.att.com

Plantel 1-800-342-7564 SurfSouth 878-6008

R ECYCLING Keep Albany-Dougherty Beautiful 430-5257

S CHOOL I NFORMATION Dougherty County Public School System Lee County School System

431-1264 229-903-2100

D AILY N EWSPAPER (circulation dept.) 888-9322

O THER I MPORTANT N UMBERS

Driver’ s License Bureau 430-4251 Automotive Tag Office 431-3255 Voter Registration 431-3247 Correct Time 436-6121

Albany-Dougherty Chamber of Commerce 434-8700

To Advertise in the Real Estate Showcase contact Daniel Bryan at 888-9392

Rates can be reduced with discount points. Rates are subject to change upon short notice, and discou nt points could

change frequently. One discount point is equal to one percentage point of the loan amount and is pai d when the loan

is closed. Most lenders have a variety of programs. ORIGINATION FEE IS NORMALLY ONE ADDITIONAL POINT,

BUT CAN VARY. Maximum amount for conventional loan is $417,000. To Participate in the column, call 888-9333.

For information on specific mortgage programs call The Lender.

30 yr. Rate

15 yr. Rate

Points Points USDA 100% 30 yr.

15-YEAR FIXED RATE

(No Points) Rate Annual

Cap

Life of Loan Cap

Margin

Ameris 229-434-4555

Colony Mortgage Corp 229-436-9000

Assurance Mortgage 229-420-8225

First State Bank of Leesburg 229-759-6622

Flint Community Bank 229-903-1400

Heritage Bank 229-878-2021

Northside Mortgage 229-878-1499

AB&T National Bank 229-446-2265

Suntrust Mortgage Inc. 229-430-5494

Regions Mortgage Inc. 229-434-6817

Synovus Mortgage 229-430-7037

3.75 3.25 - - - - 3.75 0 3.25 0

4.00 3.375 - - - - 4.00 0 3.50 0 4.25

3.875 3.25 - - - - 3.75 0 3.50 0

3.875 3.25 - - - - 3.875 0 3.50 0

3.75 3.25

3.75 3.25 - - - - 3.75 0 3.50 0

3.875 3.25 - - - - 3.75 0 3.25 0

3.75 3.25 3.0 2% 6% 2.75

3.875 3.25 - - - - 3.75 0 0 0

3.99 3.375 - - - - 3.875 0 4.00 0

3.875 3.25 - - - - 3.75 0 3.50 0


Kitchen

Living Room

Master Bathroom

Foyer

Guest BedroomBack Porch

Guest Bathroom

Master Bedroom


TheHouseAppeal

Interior� Bedrooms: 5� Bathrooms: 3� Details: Gormet kitchen with Island and Breakfast bar. Walk-in closets, high-ceilings, hardwood floors.

Exterior� Details: Large Back Yard, Covered Patio, Sprinkler System, 3 Car Garage.

More Information� Square Footage: approx. 4,150� Price: $315,000� Contacts: Amanda Wiley

Office: 229-888-6670Cell: 229-357-0489

Betty M. BramblettOffice: 229-759-0680Cell: 229-886-0813

WHERE: 265 Morgan Farm Drive

ocated in Leesburg’s prestigious community of Morgan Farm, thisbeautiful home is the definition of charm and elegance. Situated on apeaceful, wooded lot overlooking a stocked pond, this spacious property hasmuch to offer. Retreat to the country life at 265 Morgan Farm Drive andstill be minutes from work, shopping and restaurants.

The formal dining room is refined and perfect for both special occasionsand everyday dining. A perfectly designed kitchen, complete with a work-island and large, walk-in pantry, makes meal preparation and entertainingnot only easy but enjoyable. The ample-sized great room opens onto theback porch and provides a perfect view of the wooded surroundings.

The master suite boasts his and hers closets as well as a separate tuband shower. The large master bedroom features hardwood flooring and size-able windows providing an abundance of natural light. This elegant andopen space provides a welcoming, luxurious retreat.

Generous sized bedrooms with large windows and wall to wall carpetcomplete this winningdesign. Each of the fourbedrooms is completewith lighted ceiling fanand large windows.Idyllic for large or grow-ing families, this propertyboasts 2,700 square feet.

Morgan Farm is a secluded community of well-planned streetscapes, greenspaces, nature and horse trails, and architecturally significant homes. The com-munity also includes a salt water pool with cabana area and gated entrance. Apicturesque setting for a breath-taking home guaranteed to be the perfect back-drop for memorable childhoods and family life.

This

is a p

rodu

ct of

The

Alba

ny H

erald

’sad

verti

sing

depa

rtmen

t and

is n

ot af

filiate

d wi

th th

e edit

orial

new

sroo

m. A

ll con

tent in

this

issue

of T

he R

eal E

state

Show

case

is co

urtes

y ARA

Con

tent u

nless

oth

erwi

se n

oted

.

EElleeggaanntt FFaammiillyy LLiivviinnggEElleeggaanntt FFaammiillyy LLiivviinngg� Article & Photos by LAUREN MATHIS

L

Community Salt Water Pool

Stocked Pond


www.ugottamove.com 883-3000

J OHN A NDERSON B ROKER /O WNER A PPRAISER

881-3331

T OMMY Y ORK

M OBILE 347-3381

C AROL Y ORK

M OBILE 347-3433

W e can show or sell any listing with any company. C all us t oday ! Professional experience when you need it.

167 Willow Lake Drive Quality built and spacious home in quiet cul-de-sac in Hickory

Grove. 2180 sq. ft., 3 bdrm, 2 1/2 baths, includes large master suite, double garage and large separate shop. Many amenities. Call for appointment. $239,500

Make An Offer

$239,500 Reduced to Sell

POOL

831 Camp Osborn Road A gentleman’s estate greatly reduced for this recreational find in a tranquil country setting Spacious 3 bdrms, 3

bath home on 36.94 acres overlooking 6 stocked ponds. In-ground pool, workshop

and pole barn. A wonderful place for the family.

$319,500

$128,900 Home on 6.07 acres. 3 bdrms, 4 baths. Horse barn with 5 stalls

and tack room. Double detached garage and storage shed. Spectacular views and secluded setting. Call for

appointment to see this one.

6412 Newton Road

174 Country Drive - Lee County 8.56 wooded acres with fish pond and a nice 2 bdrm, 2 bath home. Would make a nice place to relax or for

primary home. Built in 1998. $87,900

Real Estate 3

Documents

Transcript of Real Estate 3