The Oklahoman Real Estate

FREAL ESTATESATURDAY, JUNE 25, 2011 THE OKLAHOMAN | NEWSOK.COM

INDEX

Permits 5FStone 8FHandy 9F

HOUSE PLAN

CountrystyleA country-style porchwraps most of theFreemont’s front facade.PAGE 3F

LISTING OF THE WEEK

OutdoorlivingThe Listing of the Weekis a new two-storyhome with outdoorfireplace/living area inNichols Hills.

PAGE 3F

Medicalbills hurthousing?Are medical bill col-lection accountsburied away insidemillions of consum-ers’ credit files, func-tioning as a drag onthe housing market?

PAGE 8F

IN BRIEF

DEER-PROOFYOUR GARDENThe common advicefor gardeners pes-tered by deer is toplant things the deerdon’t like. But whichplants are those?Ruth Rogers Clau-sen has the answer.Clausen, a gardenwriter who wasonce horticultureeditor for CountryLiving magazine,outlines the bestselections in “50Beautiful Deer-Re-sistant Plants: ThePrettiest Annuals,Perennials, Bulbs,and Shrubs thatDeer Don’t Eat.”Clausen focuses on50 plants she con-siders exceptionaland includes grow-ing information,design tips and sug-gestions for deer-resistant companionplants. Each plant isgiven a rating in-dicating how well it’slikely to resist deerdamage, because asClausen notes, deerwill eat pretty muchanything if they’rehungry enough. “50Beautiful Deer-Re-sistant Plants” ispublished by TimberPress and sells for$19.95 in softcover.

SPACE-SAVINGCONVERSIONThe home-orga-nizing company Orghas introduced a bedthat converts easilyto a desk to savespace. A balancingmechanism lets youswitch from bed todesk and vice versawithout disturbingthe bedding or theitems on the desk-top. The twin sizetakes up 82-by-44inches of floor space.The desk comes in arange of styles andfinishes. The deskneeds to be installedby an Org dealer, andprices start around$3,000 installed.Dealers and moreinformation on thebed are on Org’swebsite, www.homeorg.com.

MCCLATCHY-TRIBUNEINFORMATION SERVICES

Contrary to popular be-lief, these days you maynot need a whopping 15 to20 percent down to fi-nance a home. Thoughmortgage-lending stan-dards remain stringent,low down payment op-tions are becoming morewidely available.

Still, nearly all home-buyers need cash, if onlyfor closing costs and mov-ing expenses. Are youcash-tight yet still want totake advantage of today’shome prices? If so, amass-ing a war chest of cashcould make your home-buying offer even morecompetitive.

“The more cash youhave, the better deal youget,” said Mary Kuehn, aveteran real estate agentaffiliated with the Councilof Residential Specialists(www.crs.net).

Kuehn said that home-owners selling in today’smarket are especiallynervous about a deal fall-

ing through due to a fi-nancing glitch. That’s whysome sellers who receivemultiple bids will take aslightly lower offer frompurchasers who have morecash in the deal, realizingthey’re probably betterfixed financially.

For those who believethe economy will graduallyimprove over time and thatcurrent homebuying bar-gains won’t last forever,Kuehn said the sacrificesinvolved in a crash savingsprogram could be worth it.

Here are pointers forthose who wish to embarkon a crash savings programto buy a home:

I Examine your atti-tudes about spending.

What stops people fromsticking to a money diet?Financial planners sayemotional impediments —not a lack of professionalfinancial guidance — areoften to blame.

“People come to finan-cial advisers hoping for amiracle. But we’re notmiracle workers,” saidShawn Koch, a planner af-filiated with the GarrettPlanning Network (www.garrettplanningnetwork.com). Koch said manypeople attempting a crashsavings program first needto deal with the reasons fortheir bad money habits,such as impulse spendingor a sense of material en-titlement.

I Start by doing an in-ventory of your currentfinancial situation.

A major obstacle to sav-ing for a home is uncon-trolled day-to-day spend-

ing, Koch said. But beforeyou can decide how to re-allocate your funds, shesaid you need to reviewwhere your money hasgone for a period of severalmonths.

This can be done eitherwith pen and paper or apersonal finance tool suchas Quicken software. Sucha review can bring surpris-es, Koch said.

For example, she saidmany of her clients areshocked to learn howmuch they’re spending onrestaurant meals, carryoutfood and coffee breaks.Doing a spending invento-ry can be time-consumingbecause you must siftthrough credit card andchecking account state-ments.

Indeed, for those whodon’t routinely track theirspending, this processcould take the better partof a weekend. But Kochsaid it’s essential to deter-mine where cuts are possi-

ble before you can slashspending.

I Sign up for an auto-matic savings plan.

Because they live pay-check to paycheck, manypeople find it hard to sum-mon the discipline to ex-tract a chunk from eachpaycheck for savings. Andthey fear automatic with-drawals from their pay. Butfinancial planners say au-tomatic withdrawals canbe the answer for peoplewho aren’t methodicalsavers. And they say thosewho have direct debitstaken from their pay rarelymiss the money. Mean-while, their savings ac-counts add up quickly.

“With an automaticdebit plan, you just set itand forget it. That’s a bigplus for anyone trying tosave money for a house,”Koch said.

To contact Ellen James Martin, emailher at [email protected].

UNIVERSAL UCLICK

Money diet can help buyers saving for homeEllenJamesMartin

SMARTMOVES

MOORE — A little more than ayear ago each was living at homewith parents — she was in nursingschool, he was in a different job.

“The only bill I had was a truckpayment,” Matt Clark said, laugh-ing. “I didn’t even pay for my cell-phone.”

“And I didn’t even work,” Lau-ren Clark said.

Then, life took off.Now they’re husband and wife

— they got married in October —building their careers and sharingtheir lives with Baron the boxer.

Lauren Clark, 23, graduatedfrom nursing school at the Uni-versity of Oklahoma and nowworks at Carter Home Health.Matt Clark, 25, has taken a new jobas an oil field technician for BakerHughes.

And they’ve bought a house.“It was crazy,” Matt Clark said.

“Getting into this house, planninga wedding, stressing out about awedding, new jobs, this and that,(Lauren) getting out of nursingschool — we had a lot of irons inthe fire.”

Two hurdles usually stand be-tween potential buyers and theirdream homes — credit worthinessand coming up with “that lug of adown payment assistance,” Den-nis Shockley said, recalling buyinghis first house in 1979. “I had to geta gift letter from my parents for$2,000.”

Then there were applicationsand “a stack of papers this high”to sign, said Shockley, executivedirector of the Oklahoma HousingFinance Agency, which helpsOklahomans like the Clarks buyhomes through down paymentassistance programs and low-in-terest mortgage loans.

Shockley and other officialswere at the Clark home recently toobserve Home Ownership Monthas declared by Gov. Mary Fallin.Shockley and staff brought Baronthe boxer a home of his own, aroomy wooden doghouse match-ing the shutters on the Clarks’house.

Baron sniffed at it uncertainlybut finally ventured inside, draw-ing a collective “aahh.”

The Clarks are among about40,000 people the OklahomaHousing Finance Agency hashelped since 1980. In their case, itwas 3.5 percent down payment as-

sistance, which helped them se-cure their dream home in a Mooreneighborhood a short distancefrom Indian Hills Road where NW24th Avenue morphs into EasternAvenue. The program is OHFAAdvantage.

Matt Clark said his sister al-ready lived in the area, and whenhe and his bride-to-be came upona house still under constructionon Manchester Drive, they fell inlove with it. They dropped by theneighborhood’s model home toget details and found a longtimefamily friend working there.

“So she got us into the house,”

Matt Clark recalled, “and then westarted talking to the lender.”

The lender, First Mortgage Co.,put them in touch with the financeagency. The process proved to besmooth, they said, with occasion-al calls from the lender for addi-tional information.

“It was easy,” Lauren Clark said.“It was crazy easy,” Matt Clark

agreed.They moved into their 1,450-

square-foot home in July. Built byHome Creations, the house has

AGENCY FULFILLS YOUNG COUPLE’SDREAM OF BUYING A NEW HOME

Dennis Shockley, executive director of the Oklahoma Housing Finance Agency, presents a doghouse tonew homeowners Lauren and Matt Clark at their home in Moore, as Baron the boxer stands by. TheClarks bought the house through the agency’s OHFA Advantage loan program.

PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

BY DYRINDA TYSONSpecial [email protected]

OKLAHOMAHOUSING FINANCEAGENCYFor more information onthe Oklahoma HousingFinance Agency and itsprograms, talk to a homelender, call the agency at848-1144 or go online towww.ohfa.org.

Matt and Lauren Clark’s kitchen in Moore. They bought the housewith a loan through the Oklahoma Housing Finance Agency’s OHFAAdvantage program. PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

SEE HOME, PAGE 2F

KennethHarney

THE NATION’S HOUSING

2F SATURDAY, JUNE 25, 2011 THE OKLAHOMAN | NEWSOK.COMREAL ESTATE

three bedrooms, two bathsand an open floor planseamlessly marryingkitchen, dining and livingrooms.

“That’s what attractedus,” Matt Clark said. “Theopen floor plan.”

Taupe walls and slightlydarker carpeting makegood use of the sunlightstreaming through theback windows. Beyond thewindows is their next pro-ject: the patio.

“We want to extend itout and put out furniture,”Lauren Clark said.

“Absolutely,” Matt Clarkadded. “We want to do oneof those independent brickfireplaces with a cedarpergola that’s flush withthe roof line.”

A pergola is a structuresupported by woodenbeams along the side withlatticework overhead.

Shockley said helpingpeople buy homes hasbeen the Oklahoma Hous-ing Finance Agency’s focussince it was established in1976. The agency workswith a select stock of repu-table lenders, and it mon-itors those loans closely.This has kept foreclosurerates among clients wellbelow 1 percent, accordingto agency figures. Specialallocations target specificgroups such as police offi-cers, firefighters andteachers.

It also tries to make theprocess as simple as possi-ble, Shockley said.

“It can be a scary proc-ess,” Shockley told theClarks, “but you’ve jump-ed over the broomstick,and you’ve gotten thehouse. You’ve done it.”

FROM PAGE 1F

Home: Open floor plan is appealing

Left: New homeowners Matt and Lauren Clark showtheir kitchen in their new home in Moore.

PHOTO BY PAUL HELLSTERN,THE OKLAHOMAN

Matt and Lauren Clark’s home in Moore, with Baron the boxer’s doghouse, a housewarming gift from theOklahoma Housing Finance Agency.

PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

Mark and Lauren Clark bought a house a family can grow into. The 1,450-square-foot home by Home Creations has three bedrooms, including this one used forweightlifting, and two baths. PHOTO BY PAUL HELLSTERN, THE OKLAHOMAN

Right: Matt and LaurenClark’s master bedroomin Moore. The Clarksbought the house with aloan through the Okla-homa Housing FinanceAgency’s OHFA Advan-tage program.

PHOTO BY PAUL HELLSTERN,THE OKLAHOMAN

THE OKLAHOMAN | NEWSOK.COM SATURDAY, JUNE 25, 2011 3FREAL ESTATE

A wide country-style porch wrapsaround most of the Freemont’s front fa-cade. Arched multipane windows add agraceful touch of elegance to a home de-signed with family living in mind.

And once the kids leave home, theowners need rarely climb the stairs. Up-stairs bedrooms can be kept ready forgrandchildren and other visitors.

Stand in the vaulted entry and you areright in the center of the home. Frenchdoors on the left open into a living roombrightened by a wide window bay.

To the right, another set of Frenchdoors opens into a dining room, with asmaller bay window and an arched win-dow higher up.

Directly ahead, a polished woodenstaircase curves up to a second-floorbridge that overlooks the entryway andthe family room. This bridge offers a van-tage point for observing the scenes below.

Two more bay windows brighten and

expand the family room and eating nook.Both include doors that open onto a hugedeck.

The family room also has a fireplace. A powder room is conveniently close to

the front door as well as to all the otherrooms on the Freemont’s ground floor.

Large and luxurious, the owners’ suitehas a walk-in closet, separately enclosedwater closet and a raised, oversize spa tub.A window over the spa bathes the area innatural light.

Upstairs, the bedrooms share a two-compartment bathroom with vanities inboth sections.

The front bedroom has a vaulted ceil-ing, a half-round window and a largercloset.

For a review plan, including scaled floor plans, elevations,section and artist’s conception, send $25 to AssociatedDesigns, 1100 Jacobs Drive, Eugene, OR, 97402. Please specifythe Freemont 10-006 and include a return address whenordering. For more information call (800) 634-0123.

HOUSE PLAN

Freemont mixescountry, elegance for family living

The Listing of the Weekis a new two-story homewith outdoor fireplace/living area in Nichols Hills.

The 5,449-square-foothome at 1800 HuntingtonAve. has five bedrooms,5½ baths, three livingrooms, two dining roomsand an attached three-cargarage. Cast stone and 13-foot custom walnut Frenchdoors open to a grand en-try. The gourmet kitchen

has custom walnut cabi-nets, a fireplace and twolarge work islands. Thehome has travertine andherringbone walnut floorsand a stone-and-ironstaircase.

The home has threetankless hot water sys-tems, three-zone heatingand air, a loft, library, the-ater room, balcony, cov-ered porch, covered patio,circle drive, security sys-

tem and undergroundsprinkler system.

The home, finished in2011, is listed for$2,369,000 with MikeGrissom of Paradigm Ad-vantEdge Real Estate.

For more information,call 414-7585 or 348-4422.

Nominations for Listing of the Weekare welcome. Send information onsingle-family homes to The Oklahoman,Richard Mize, P.O. Box 25125, OklahomaCity, OK 73125. Nominations may befaxed to 475-3996.

LISTING OF THE WEEK

Nichols Hills residencehas outdoor living area

The Listing of the Week is at 1800 Huntington in Nichols Hills. PHOTO PROVIDED

Moore-based HomeCreations and two metro-area interior designers willbe featured in HGTV’spremier of “ShowhouseShowdown” on Aug. 29,but the public can see thedecked-out houses at acookout and dual openhouses Sunday.

The first 100 people willbe given score cards forvoting.

HGTV will interviewsome people for the show.

The event will start atnoon at 16416 MontagueDrive, in the Montague ad-dition, east of RockwellAvenue on the south sideof NW 164.

Open houses will followat 16112 and 16113 CapuletDrive from 1 to 3 p.m.

HGTV declined to iden-tify the designers, sayingthat releasing their identi-ties before scoring couldsway the vote.

“ ‘Showhouse Show-down’ will feature twoidentical Home Creationshomes decorated by twoprofessional designers

who will be competing forthe best design award,”said Anita Wagoner, salesand marketing director forHome Creations. “Thehomes have the same floorplan, but the difference indecor will demonstrate theflexibility available in aHome Creations home fordecorating options.

“These homes will in-clude cutting-edge decorplus creative and innova-tive techniques thathomeowners can do after-market if they choose. Thehomes will demonstratethe ability to take a midsizefloor plan built by HomeCreations and make it looklike a buyer’s ultimatedream home.”

Home Creations takespride in building a struc-turally sound home thatincludes tornado safetyfeatures and is EnergyStar-qualified, Wagonersaid.

“Although we includemany upgrades in the priceof our homes, these‘Showhouse Showdown’homes will show otherpossibilities if you want to

pay for additional up-grades, or just simply dec-orate creatively,” she said.“We give our buyers ahome priced very afforda-bly for the quality con-struction included, and weare excited for them to seewhat can be done withthose homes when deco-rated.”

HGTV’s ‘Showhouse’ to feature OKC homesFROM STAFF REPORTS


LOS ANGELES — Popsinger Katy Perry and herhusband, comedian andactor Russell Brand, arelisting their home at$3,395,000.

The gated property in-cludes a stately 1922 Medi-terranean-style mainhouse and a swimmingpool. The 4,600-square-foot home, with a classicexterior that belies itswhite contemporary inte-riors, has four bedroomsand 4½ bathrooms.

Adding a touch ofwhimsy is Perry’s vintagepink refrigerator, whichshe brought from a previ-ous residence. It is not in-cluded in the sale.

The pair added moretrees and landscaping dur-ing the year and a half thatthey owned the house toincrease privacy. A 25-foot-tall tepee that Brandbought for Perry stands inthe yard.

Perry converted thethree-car garage into awardrobe styling room.“It’s 60 feet of costumes,”said Ernie Carswell ofTeles Properties, BeverlyHills, who has the listing.

Perry, 26, started out asa gospel singer before re-leasing studio albums in-cluding “One of the Boys”(2008) and “TeenageDream” (2010). Brand, 35,

stars in the remake of “Ar-thur,” released in April, aswell as “Get Him to theGreek” (2010) and “For-getting Sarah Marshall”(2008).

Given Brand’s time onmovie sets and Perry’sworld tour, they have de-cided to make the NewYork pied-a-terre theybought last year their cen-tral residence and forgomaintaining the com-pound in Los Angeles.

Public records show thecouple bought the house in2009 for $3.25 million.

Home is a castleA home once owned by

actor Bela Lugosi, knownfor his early portrayals ofCount Dracula on stageand screen, has come onthe market in the Holly-wood Hills at $2,367,000.

Called Castle La Palo-ma, the imposing red-brick 1926 Tudor featuresinterior arches, vaultedbeamed ceilings, coppergutters and a slate roof. Its5,000 square feet includean oversize living room, alibrary, a breakfast room, abutler’s pantry, five bed-

rooms, four bathroomsand a service wing.

There are city, canyonand mountain views fromthe site, which is morethan a quarter acre.

Lugosi, who died in 1956at 73, also starred in“White Zombie” (1932),“Bride of the Monster”(1955) and his final film,“Plan 9 From Outer Space”(1959). The Movieland Di-rectory places Lugosi at theBeachwood Canyon ad-dress in the 1940s.

MCCLATCHY-TRIBUNE INFORMATION SERVICES

L.A. homes on sale include singer’s, Lugosi’sBY LAUREN BEALELos Angeles Times

Pop singer Katy Perry and her husband, comedian and actor Russell Brand, arelisting their Los Feliz home in Los Angeles, Calif., $3,395,000. MCCLATCHY-TRIBUNE PHOTO

A home once owned by actor Bela Lugosi, known forhis early portrayals of Count Dracula on stage andscreen, has come on the market in the HollywoodHills at $2,367,000. MCCLATCHY-TRIBUNE PHOTO

PHILADELPHIA — Theroad to retirement can bepaved with good inten-tions — such as payingdown the mortgage fasterso that, by the last day onthe job, your house really isall yours.

With millions of home-owners struggling to makeeven regular mortgagepayments these days, anaccelerated payoff goalmay seem beyond reach.Yet many financial plan-ners still advise debt-freeretirement — includingfreedom from mortgagepayments.

Why? So you’ll requireless income to supportyourself during retire-ment, said certified publicaccountant and financialplanner Jacquelyn M. Bas-so, of Jacquelyn M. Basso& Associates of Downing-town, Pa.

“You are on a fixed in-come, and earn less thanwhen you worked, andcannot spend more thanyou make,” she said of thetypical retiree. “So remov-ing the mortgage from theequation can make lifeeasier.”

Not all retirees have thevast assets that financialplanners recommend tohelp make it through com-fortably, though. And,Basso said, many retireeswho want to downsize tosmaller homes have foundthat they don’t have asmuch equity as theythought to exchange theircurrent homes for newones.

These retirees are optingto take on new mortgages,rather than tap into sav-ings or investments thatmight be needed over thelong term.

Even then, Basso said,changes in the rules re-quire borrowers to comeup with bigger down pay-ments — 20 percent ratherthan the zero percent ofhousing’s boom times.

“That finds many takingwhat they need out of theirnest eggs, the money theyneed to live on,” she said.

Consider these ques-tions beforehand, AARPrecommends:

Will you be able to af-ford a new mortgage pay-ment, as well as utilities,maintenance and insur-ance on your home, afteryou retire, when your in-come will probably godown?

Will having a mortgageoffer you a significant taxdeduction?

Some retirees say theyare having trouble gettingmortgages, even with a

guaranteed income andthe highest credit scores.

But New Jersey builderBruce Paparone said hechecked with other build-ers, including one withtwo over-55 communities,and a mortgage broker hedeals with, and “they havenot had any issues with fi-nancing the senior mar-ket.”

Philip Cassidy, of SunHome Loans in Trevose,Pa., said many newly re-tired people may be havingproblems because theycannot yet “zero in” on anexact amount of income totake as necessary livingexpenses.

When asked to reportthe amount of income,Cassidy said, they esti-

mate low, and that hurtstheir mortgage qualifica-tion.

Age is not the issue.“We cannot, do not and

will not discriminate basedon age,” said Philadelphiamortgage broker FredGlick.

“Even a 90-year-oldcan get a 30-year mort-gage.”

Still, whether you are a35-year-old couple withhigh-paying jobs or reti-rees with great credit andfixed incomes, “getting amortgage these days ismore cumbersome than itused to be,” said JeromeScarpello, of Leo Mortgagein Ambler, Pa.

To prepare for retire-ment, and the possibility

you may need to carry amortgage, you need tohave a financial plan to es-tablish priorities to giveyou some room to breathemore easily, Basso said.

“Get rid of the baddebt,” she said, especiallyany high-interest credit-card debt.

And if you cannot payoff your current mortgage,try to refinance it at to-day’s lower rates at ashorter term.

MCCLATCHY-TRIBUNEINFORMATION SERVICES

For retirees, new mortgage presents challengesBY AL HEAVENSThe Philadelphia Inquirer


3209 Chesterfield Place,residence, erect, $180,000.

Taber Built Homes LLC,19212 Garden Creek Lane,residence, erect, $180,000.

American Fine Homes,10921 SW 30, residence,erect, $178,000.

Horizon Group PropertiesInc., 7654 W Reno Ave.,retail sales, remodel,$175,000.

Vintage Custom HomesLLC, 113 SW 174, residence,erect, $175,000.

Rice Custom Homes LLC,19120 Pinehurst Trail Drive,residence, erect, $175,000.

Blevins Construction, 6313Bentley Drive, residence,erect, $170,000.

Authentic Custom HomesLLC, 8416 NW 142, resi-dence, erect, $165,330.

Eason Homes LLC, 9221Megans Way, residence,erect, $160,000.

Authentic Custom HomesLLC, 2312 NW 194, residence,erect, $159,318.

Berryman Enterprises Inc.,8541 Candlewood Drive,apartment, fire restoration,$150,000.

Ron and Pam Kingsley,5200 Carrington Place, resi-dence, add-on, $150,000.

McAlister ConstructionInc., 9204 Misty Lane, resi-dence, erect, $150,000.

No name provided, 2127 WMemorial Road, restaurant,remodel, $150,000.

D.R. Horton, 11128 SW 41Place, residence, erect,$144,000.

GS Investments LLC, 14715SE 75, residence, erect,$140,000.

Klepper Capitol Group,7642 W Reno Ave., restau-rant, remodel, $140,000.

Tom Vorderlandwehr Inc.,9128 NW 91 Circle, residence,erect, $138,400.

Westpoint Homes, 6009NW 151, residence, erect,$130,000.

Westpoint Homes, 15521Brook Hill Drive, residence,erect, $130,000.

Westpoint Homes, 5908NW 151, residence, erect,$130,000.

Maurice’s, 7628 W RenoAve., retail sales, remodel,$125,000.

D.R. Horton, 11137 SW 40,residence, erect, $122,000.

Harbor Homes, 305 SW 172Circle, residence, erect,$110,000.

D.R. Horton, 11129 SW 40,residence, erect, $109,000.

Dowell Properties Inc.,400 N Walker Ave., office,remodel, $107,100.

Dowell Properties, 400 NWalker Ave., office, remodel,$103,700.

Dodson Custom Homes,2305 NW 195, residence,erect, $103,250.

Gardner Construction,5609 SE 67, office, remodel,$100,000.

Monarch Construction Co.LLC, 3100 Canton Trail,residence, erect, $100,000.

Monarch Construction Co.LLC, 3028 Canton Trail,residence, erect, $100,000.

Talbots Inc., 7638 W RenoAve., retail sales, remodel,$88,000.


Rausch Coleman HomesLLC, 6117 Courtyards Court,residence, erect, $80,000.

Rausch Coleman HomesLLC, 8116 Erryn Lane, resi-dence, erect, $80,000.

Rausch Coleman HomesLLC, 7712 Sunny Pointe Lane,residence, erect, $80,000.

Rausch Coleman HomesLLC, 6129 Courtyards Court,erect, erect, $80,000.

Cornerstone Group LLC,10613 SW 33 Terrace, resi-dence, erect, $70,000.

Nashert ContractingGroup, 6600 EdenboroughDrive, apartment, remodel,$68,000.



David Kraszewski, 1901 NLincoln Blvd., office, remod-el, $65,000.

Cornerstone Group LLC,10621 SW 33, erect, erect,$62,000.


April Harrington, 1235 SW2, manufacturing, remodel,$60,000.

Gardner Construction,4232 N Santa Fe Ave., office,remodel, $60,000.

Goodman Networks, 12362N MacArthur Blvd., tower-antenna, remodel, $56,000.

Nashert Construction,6610 Edenborough Drive,apartment, remodel,$54,300.


Destin Construction, 235 NMacArthur Blvd., office-warehouse, remodel,$50,000.

Colony Construction, 3025

Oklahoma CityMaccini Construction Co.,

1214 NW 18, apartment, erect,$1,258,000.

Architecture Inc., 5911 NSapulpa Ave., school, add-on, $1,200,000.

Construction SolutionsInc., 3625 Northwest Ex-pressway, business, add-on,$1,114,000.

Architecture Inc., 6301 NAnn Arbor Ave., school,remodel, $1,000,000.

Savannah Builders LLC,12908 Carriage Way, resi-dence, erect, $600,000.

Rod Smith, 220 E WilshireBlvd., warehouse, erect,$550,000.

Jason Powers Homes, 5416Lazy Fawn Trail, residence,erect, $400,000.

Beacon Homes LLC, 19205Blossom Court, residence,erect, $375,000.

Jeff Moore Homes LLC,11301 SE 44, residence, erect,$350,000.

Dodson Custom HomesLLC, 9201 Bella Vista Lane,residence, erect, $333,625.

Jason Powers Homes, 12100SW 53, residence, erect,$320,000.

George Lemcke & Co.,16421 Josiah Place, residence,erect, $300,000.

Sechrist Construction,3604 Galatian Way, duplex,erect, $300,000.

Sechrist Construction,3608 Galatian Way, duplex,erect, $300,000.

CMS Willowbrook, 3500NW 150, school, remodel,$280,000.

Wood Ridge Homes LLC,6801 SE 160, residence, erect,$275,000.

Remington Builders Inc.,13325 Ambleside Drive, resi-dence, erect, $270,000.

Ward Construction, 7725W Reno Ave., shell building,add-on, $250,000.

Lami Grubb, 7628 W RenoAve., retail sales, remodel,$244,000.

Justice Homes Inc., 15400Meadow Vista Drive, resi-dence, erect, $225,000.

Paul Methvin Homes Inc.,4200 SE 86 Place, residence,erect, $220,000.

Vesta Homes Inc., 217 SW174, residence, erect,$220,000.

Baer Hall Homes, 404 SW170, residence, erect,$220,000.

Glenstone Properties LLC,1821 NW 196, residence,erect, $215,000.

Glenstone Properties LLC,1817 NW 196, residence,erect, $215,000.

Gudell (Jason), 15700 Kes-tral Park Court, residence,erect, $215,000.

Manchester Elite HomesLLC, 14901 Trumball Circle,residence, erect, $214,050.

Vesta Homes Inc., 17 SW174, residence, erect,$208,000.

Authentic Custom HomesLLC, 17209 Ridgewood Drive,residence, erect, $205,000.

Manchester Elite HomesLLC, 14825 Trumball Circle,residence, erect, $200,600.

D.R. Horton, 9704 AllieHope Lane, residence, erect,$200,400.

Connelly Paving, 1112 NW58, parking, install,$200,000.

New Generation HomesLLC, 121 SW 174, residence,erect, $200,000.


RNH Designs & Devel-opment, 14343 N MacArthurBlvd., church, remodel,$200,000.

Justice Homes Inc., 15312Meadow Vista Drive, rehabil-itation center, erect,$200,000.

Justice Homes Inc., 15408Meadow Vista Drive, resi-dence, erect, $200,000.

Gudell (Jason), 320 NW155, residence, erect,$200,000.

Gudell (Jason), 324 NW155, residence, erect,$200,000.

R&R Homes LLC, 3204Sahoma Trail, residence,erect, $199,000.

Authentic Custom HomesLLC, 8325 NW 142, resi-dence-attached, erect,$187,500.



Heartland Homes LLC,17512 Red Tailed Hawk Way,residence, erect, $184,685.

Biltrite Construction LLC,12620 Horsepen Road, resi-dence, erect, $180,000.

McDermott ConstructionCo. LLC, 9112 NW 92 Terrace,residence, erect, $180,000.

Kevin Keslin, 7628 W RenoAve., retail sales, remodel,$180,000.


Steve and Stacy Davis,

Oak Hollow Road, residence,add-on, $50,000.

Commercial Permit Group,7642 W Reno Ave., retailsales, remodel, $50,000.

SRV Inc., 7642 W RenoAve., retail sales, remodel,$50,000.

Russell Lee, 4015 N Penn-sylvania Ave., restaurant,remodel, $45,000.

2721 N Walker Ave, 815 NW12, office, remodel, $40,000.

Site Quest Ltd., 4341 SNebraska Ave., tower-anten-na, install, $40,000.

Site Quest Ltd., 11108 SW15, tower-antenna, install,$40,000.

Shaun Harvey, 7900 SW101, storage, add-on,$40,000.



No name provided, 317 NW22, accessory, erect, $35,000.

ARC Goldenrule, 2001 SMacArthur Blvd., manu-factured home, move-on-mobile home park, $30,000.



ARC Westlake, 9717 NW10, manufactured home,move-on-mobile home park,$30,000.

Levi Evans, 3308 SE 89,manufactured home, move-on-mobile home park,$30,000.



No name provided, 3308SE 89, manufactured home,move-on-mobile home park,$30,000.

Mohsen Construction,12700 SW 47, residence,remodel, $30,000.

Chameleon Project Man-agement, 7628 W Reno Ave.,retail sales, remodel, $28,500.

Antonio Zamarron, 236NW 87, residence, fire resto-ration, $26,000.

David J. and Teresa L.Porta, 5816 NW 31, residence,add-on, $25,000.


Alloy Building Co., 11801 SE152, storage, erect, $20,300.

Dale Welchel, 12825 SE 69,accessory, erect, $18,000.

Dolores Ramos, 2808 NW162, storage, erect, $15,000.

We Buy Houses, 540 SW24, fourplex, fire restoration,$15,000.

Two Structures LLC, 13108Red Cedar Circle, residence,remodel, $15,000.

William B. Cage, 5735Osborne Way, accessory,erect, $15,000.

MB Construction & Re-modeling LLC, 1233 NW 98,residence, remodel, $14,500.

Dandy Homes, 5117 E In-terstate 240 Service Road,manufactured home, move-on, $10,000.

David and Brenda Forest,3114 Dutch Forest Lane, cano-py-carport, add-on, $10,000.

Liberty Construction Co.,424 NW 137, canopy-carport,add-on, $10,000.

No name provided, 6401 SPortland Ave., canopy-car-port, erect, $9,500.

Gabriel Howard, 2235 NW15, accessory, erect, $9,000.

Kevin Bachman, 15401Brenton Hills Ave., accessory,erect, $8,500.

Nathan J. Skinner, 10317Casa Linda, residence, add-on, $7,600.

Ava Anderson, 225 NE 14,residence, remodel, $5,000.

Newell Roofing and Con-struction Services LLC, 501 SMustang Road, remodel,remodel, $5,000.

No name provided, 5008 SAnderson Road, manu-factured home, move-on-mobile home park, $5,000.

Jamars & Long LLC, 4431NW 63, retail sales, remodel,$5,000.

Grover Franklin Bice, 10621Rustler Lane, storm shelter,install-storm shelter, $4,300.

Gladys Timmons, 10044 SFairview Drive, canopy-carport, erect, $4,100.

Henry Hutcherson, 5308Monte Drive, storm shelter,install-storm shelter, $4,000.

Quin S. Corbin, 10924Blackjack Ridge Road, stormshelter, install-storm shelter,$4,000.

Flat Safe Tornado Shelters,5813 N Barnes Ave., stormshelter, install-storm shelter,$3,880.

Timothy and Juanna By-rne, 2824 SW 125 Terrace,storm shelter, install-stormshelter, $3,800.

Flat Safe Tornado Shelters,10340 Exter Ave., stormshelter, install-storm shelter,$3,775.

Carolyn Bechtold, 3732

NW 69 Terrace, residence,add-on, $3,700.

Tommy and Sonna Smart,808 SW 112, storm shelter,install-storm shelter, $3,500.

Rajiv Paruchuri, 9400 SBarnes Ave., storm shelter,install-storm shelter, $3,400.

Andrew and Diana Nick,14413 Sylena Way, stormshelter, install-storm shelter,$3,395.

Daniel A. Calderon, 17913Vermejo Drive, storm shelter,install-storm shelter, $3,395.

Paul D. Grubb, 1416 NW181, storm shelter, install-storm shelter, $3,395.

Smartsafe Shelters, 4700NW 151 Terrace, storm shel-ter, install-storm shelter,$3,395.

Delbert and Frances Parker,8009 Highland Ave., resi-dence, add-on, $3,200.

Smart Shelters Inc., 8805NW 121 Terrace, storm shel-ter, install-storm shelter,$3,145.

Sheri Frances, 11908 BlueHaven Court, storm shelter,install-storm shelter, $3,050.

Flat Safe Tornado Shelters,12109 SW 18, storm shelter,install-storm shelter, $3,000.

James H. Hendrix, 6213Latham Court, storm shelter,install-storm shelter, $3,000.

Keith Pullen, 1521 NE 13,residence, fire restoration,$3,000.

Robbins Services, 3355 SPurdue Ave., office-ware-

house, remodel, $3,000.Smart Safe, 12621 Jasper

Ave., storm shelter, install-storm shelter, $3,000.

Tommy L. Turnipseed,7801 Valley Creek Drive,storm shelter, install-stormshelter, $3,000.

Ali Alimoradi, 15309 S MayAve., storm shelter, install-storm shelter, $2,995.

Carolyn R. Willis, 2201 SW117, storm shelter, install-storm shelter, $2,995.

Jay and Lisa Brewer, 6004NW 162, storm shelter, in-stall-storm shelter, $2,995.

Le Huu Le and Anh DaoPham Le, 8041 NW 124,storm shelter, install-stormshelter, $2,995.

Nathan Tucker, 3101 BrushCreek Road, storm shelter,install-storm shelter, $2,995.

Jon and Suzanne Tiehm,18417 Abierto Drive, stormshelter, install-storm shelter,$2,900.

Arsenio and Nancy Chaves,312 SE 25, residence, add-on,$2,800.

David Le, 2813 SW 136,storm shelter, install-stormshelter, $2,800.

Donald V. Drew, 10704 St.Michel Circle, storm shelter,install-storm shelter, $2,800.

Michael James, 6329 NW85, residence, install-stormshelter, $2,800.

Terrence R. Willie, 6716NW 120, storm shelter, in-stall-storm shelter, $2,800.

Elijah and Marie Poynor,13317 Eastvalley Road, resi-dence, install-storm shelter,$2,600.

Clare M. Ferguson, 7408Jack Drive, storm shelter,install-storm shelter, $2,500.

James and Lorea Alexan-der, 18817 SE 74, storm shel-ter, install-storm shelter,$2,500.

Joe Rodriguez, 13908 SBrookline Ave., storm shelter,install-storm shelter, $2,500.

Lyndol Elzie, 4908 Oak-wood Lane, storm shelter,install-storm shelter, $2,500.

Robert Winstead, 21 SW169, storm shelter, install-storm shelter, $2,500.

Biggs Backhoe & Trucking,3605 Austrian Pine Lane,storm shelter, install-stormshelter, $2,470.

Bob Moore Lawn MasterOutdoor Living, 6344 SRobinson Drive, accessory,erect, $2,389.

Charles K. Walker, 10800Granada Lane, storage, erect,$2,000.

Robert Whetzel, 11317 NW103, storage, erect, $1,500.

DemolitionsVickey Mason, 2143 Glen

Ellyn, residence.L&S Demolition, 1801 NE

19, garage.L&S Demolition, 1509 NE

14, garage.No name provided, 317 NW

22, accessory building.

Permits


NORTH LAS VEGAS, Nev. —Charles Mills can barelyafford to stay here. But healso can’t afford to move.

That’s why the 44-year-old heavy-equip-ment operator was prepar-ing to leave his wife andyoung daughter here andgo where he could findwork — the Oklahoma oilfields. Mills has a mortgageto pay, even if its size painshim.

He purchased his housein 2006 for $308,500.Current value: $105,797.

“We talked about it:What can we do with thehouse?” Mills said. “No-body’s going to buy it. No-body’s going to rent it. Ifwe walk away, my credit’sshot. We’re stuck.”

In some parts of NorthLas Vegas, more than 80percent of homeownershave plunged “underwa-ter,” meaning they owemore on their mortgagesthan their properties areworth — a stunning con-centration of aborted plansand upended lives.

Mobility in search ofnew opportunity has longbeen a cornerstone of theAmerican economy, muchthe way home ownershiphas long offered a path to

firmer financial footing.But the housing bust hasleft tens of thousands ofhomeowners across Neva-da essentially trapped.

They’re considered thenew normal here. Theyturn down higher-payingjobs elsewhere becausethey can’t move.

“We don’t even walkaround our own neighbor-hood anymore,” Mills said.“Why? To say hi tostrangers?”

Retirement dreamsElsewhere on Midnight

Breeze Street are Steve andGay Shoaff, who oncetalked of selling and retir-ing somewhere pretty.Gay, 57, even toured a placein Wyoming.

But the Shoaffs havebeen living mostly off sav-ings since the constructionindustry sputtered. Steve,60, worked as a drywalltaper and foreman.

“I’d say, ‘Gay, we’re go-ing to become millionaireson this house,’ ” Steve re-called one day as he and hiswife unwound in the back-yard they’d spent thou-sands of dollars sprucingup. Gay mustered a smile.

Their $187,980 home isnow assessed at $99,220.

“This house won’t beworth what we paid on ituntil after we die,” shesaid.

Some economists wouldagree, predicting that a fullrecovery in parts of theWest’s “foreclosure belt”— California, Nevada andArizona — won’t occuruntil at least 2030.

Nationwide, 23.1 per-cent of homeowners withmortgages are underwater.No state is more underwa-ter than arid Nevada, withabout two-thirds of bor-rowers holding such mort-gages, according to re-search firm CoreLogic.

Some economists arguethat, in a way, these home-owners are worse off fi-nancially than those wholost their houses throughforeclosure and wereforced to move on. Thoseborrowers often were ableto live rent-free for yearsbecause of the snail’s paceof foreclosureproceedings.

Meanwhile, their un-derwater neighborspoured money into mort-gages, not savings or in-vestments. They couldn’tchase higher-paying work.Homeowners with nega-tive equity are at least athird less mobile than oth-ers, according to a recentstudy in the Journal of Ur-ban Economics.

But abandoning theirhomes was an option thatappeared too dicey.

“Walking away, it does

wreck your credit historyfor a while and you can’tget another mortgage forseven years,” said RichardGreen, director of the Uni-versity of Southern Cali-fornia Lusk Center for RealEstate.

Keeping it cleanJames R. Follain, a se-

nior fellow at the StateUniversity of New York’sRockefeller Institute ofGovernment, argued in arecent study that formerhomebuilding hot spots,such as Las Vegas and Cal-ifornia’s Inland Empire,

may crumble in the man-ner of Rust Belt manufac-turing towns.

So while Mills was gear-ing up for Oklahoma, theShoaffs tried to keep theirneighborhood from look-ing like so many in the LasVegas Valley.

Drive down MidnightBreeze, and you’ll spot fewobvious signs of the realestate bust: no bank-own-ed signs, no broken win-dows, no doors jammedwith unclaimed pizzafliers. That’s partly be-cause Gay busies herselfyanking weeds from yards

and ripping foreclosurenotices.

On a recent evening,however, the Shoaffs tooka walk through theneighborhood.

In a backyard a fewblocks away, someone hadshoved over a foosball ta-ble, smashed a computerand ruined the hot tubwith what appeared to bewhite paint.

Gay’s face fell. Thishouse was likely anotherforeclosure casualty, itsowner long gone.

MCCLATCHY-TRIBUNE INFORMATIONSERVICES

Eighty percent of homeowners in some parts of North Las Vegas, Nev., are underwater on their mortgages. MCCLATCHY-TRIBUNE PHOTO

Underwater homeowners face woesBY ASHLEY POWERSAND ALEJANDRO LAZOLos Angeles Times

Homeowner Charles Mills is underwater on his home, as are about 80 percent ofhis fellow residents in North Las Vegas, Nev. His home is worth at least $100,000less than he paid. MCCLATCHY-TRIBUNE PHOTO


LOS ANGELES — Pity thepoor couple trying to sell ahouse with a street num-ber 44 in Arcadia, Calif.

Most local buyers areChinese — and for them,such a number can kill adeal.

That’s because, in Man-darin and Cantonese, theword for four sounds likethe word for death. So 44essentially adds up to dou-ble death.

Josh Grohs, managingpartner of a local real es-tate development firm,buys up Arcadia houses,tears them down and thenbuilds new homes. Heknows his market and thedangers of picking thewrong property.

“This property is worth$1.4 million if the addresswas not two fours. If theydon’t change it, that wouldknock $300,000 to$400,000 off the proper-ty,” Grohs said of the own-ers of No. 44, who do notwant their street namementioned for fear ofmaking a bad situationworse.

“No one would havethought anything of it 30years ago,” he said. “Now itdefinitely, 100 percent,does not make their homethat attractive.”

Repeating historyTwenty years ago, Arca-

dia dealt with similarcomplaints from residentsabout numbers when thecity started seeing a dra-matic rise in Chinesehomeownership. At thetime, like numerous othercities, it decided to allowpeople to change inauspi-cious numbers — for a fee.But five years ago, it aban-doned that program aftercity workers complainedabout how onerous andconfusing the process ofchanging addresses hadbecome.

Lately though, withChinese buyers the onlybright spot in a sluggishreal estate market, com-plaints about bad numbershave been on the riseagain.

“I don’t remember thelast house I built I sold to awhite person in Arcadia,except maybe for one,”

said Grohs. “The only rea-son we’re not feeling thepain of, say, Glendora andMonrovia is because of theAsians.”

Last month, the CityCouncil voted 3 to 2 insupport of bringing backthe old address-changingprogram, pending a studyof the costs.

Some of those facingnumbers problems boughttheir properties many dec-ades ago, before the Asianinflux. Asians, predomin-antly Chinese, now makeup nearly 60 percent ofArcadia’s population.

“If we can save some-body from taking a finan-cial bath, we should,” saidBob Harbicht, the councilmember who first broughtthe topic up.

But his colleagues don’tall agree.

“There are 20,000homes in Arcadia. One infour has a number four init. That’s a potential of3,000 addresses thatcould be changed,” saidCouncilman Roger Chan-dler, who is against res-tarting the program. “Wehave people who want tochange the entire 1400block. And a lady who livesin apartment No. 911 whofeels it’s bad luck. Where

do we stop?”Supporters say chang-

ing building numbers isn’tsuch an unusual thing. Af-ter all, they say, whenPresident Ronald Reaganleft office, he and wifeNancy Reagan acquired aproperty at 666 St. CloudRoad in Bel-Air but hadthe address changed to668 to avoid the “numberof the beast.”

“Many high-rises don’thave a 13th floor. It’s harderto rent them,” said Har-bricht. “It’s strictly a busi-ness decision.”

Numbers matterVeteran Arcadia real es-

tate agent Imy Dulake ofColdwell Banker tried to

show a condominium toAsian clients about fiveyears ago. The address:444 W Huntington Drive.

“We drove up there andthe buyer saw the number444 and didn’t even wantto see it,” said Dulake.

At the time, the city stillallowed residents tochange one digit of an ad-dress, but changing thenumber of a condominiumbuilding would have beentoo hard.

Around the same time,though, Dulake got a list-ing for a house at 444 Ox-ford Drive. She persuadedthe homeowner to get anew number, 448, whichwas an improvement be-cause eight sounds like “to

prosper,” she said.With younger Chinese

and very rich buyers frommainland China who payfor multimillion-dollarhomes in cash, the numberfour is not necessarily adeal breaker, but it’s notpreferred, said real estateagent Cordella Wong ofColdwell Banker.

“Psychologically,changing the number four

would make the buyermore comfortable, and it’sgood for resale value,” saidWong, who recentlyhelped a client change anaddress in San Gabriel.

As for herself, Wongsaid she once lived in ahouse numbered 2440.“Nothing bad happened tome,” she said.


Homebuyers avoid unlucky numbersBY CHING-CHING NILos Angeles Times

Imy Dulake stands at 448 Oxford Drive in Arcadia, Calif. In Mandarin and Canto-nese, the word for four sounds like the word for death, prompting owners of thehouse to pay to change their address from 444 to 448 to help attract potentialbuyers. MCCLATCHY-TRIBUNE PHOTO

“There are 20,000 homes in Arcadia.One in four has a number four in it.That’s a potential of 3,000 addressesthat could be changed. ... Where dowe stop?”

COUNCILMAN ROGER CHANDLER


WASHINGTON — Aremedical bill collectionaccounts buried awayinside millions of con-sumers’ credit files —even bills that were fullypaid or settled years ago— functioning as a dragon the housing market?

That might sound far-fetched, yet some creditand mortgage industryexperts say negative med-ical collection records areplaying a little-recognizedbut significant role indepressing otherwisecreditworthy loan appli-cants’ scores. Lowerscores, in turn, are dis-qualifying borrowers fromgetting mortgages in to-day’s toughened under-writing climate or forcingthem to pay higher in-terest rates, fees anddown payments.

According to a 2008study by the nonprofitCommonwealth Fund, anestimated 28 millionAmericans were contact-

ed by collection agencieson medical debt issuesduring a two-year period,and 72 million reporteddifficulties in paying out-standing medical bills.

Now a bipartisan groupin Congress is sponsoringlegislation that wouldlimit the credit scoreimpacts of paid-off andsettled collection ac-counts that sometimesare the product of dis-putes and botched re-cord-keeping by insur-ance companies, hospitalsand doctors.

Titled the Medical DebtResponsibility Act, thebill would require thethree national credit bu-

reaus — Equifax, Experianand TransUnion — toexpunge medical collec-tion records of $2,500 orless from files within 45days of their being paid orsettled. Currently, bycontrast, paid-off collec-tions can remain in filesfor as long as seven years,exerting their heaviestnegative impacts on con-sumer scores during theinitial two years. The billis co-sponsored by Reps.Heath Shuler, D-N.C.,Don Manzullo, R-Ill., andRalph Hall, R-Texas.

Craig Watts, director ofpublic affairs for FairIsaac, developer of theFICO score that is widelyused by mortgage lenders,confirmed that “the merepresence of a collectionaccount on the creditreport” has an impact ona person’s score. Theamount of the collectiongenerally has only a “mi-nor” effect, and the na-ture of the account —

auto loan, credit card,medical bill or whatever— is not a factor. In otherwords, collections arecollections and signifynonpayment of a debtthat forced a creditor topursue the debtor.

Critics charge, howev-er, that medical bills aredifferent from other typesof credit accounts sinceoften the consumer doesnot choose voluntarily tospend money but isforced to do so by un-controllable events suchas illness or accidents.

Terry Clemans, exec-utive vice president of theNational Credit ReportingAssociation, whose mem-bers prepare a large per-centage of the reportsused by mortgage lenders,said the negative impactsof collection accounts ona borrower’s scores vary,but in extreme cases canbe “in the high doubledigits or even more than ahundred” points.

Rodney Anderson,executive director of Su-preme Lending, a nationalmortgage banking andbrokerage firm based inDallas, said he and hisstaff regularly encounterborrowers who are un-aware of medical collec-tion accounts on theircredit files that depresstheir FICO scores andincrease total loan costsby thousands of dollars.In one case, a borrowerhad a $150 unpaid medicalcollection item that costhim $1,500 extra on up-front points on a FannieMae conventionalmortgage.

The idea of Congressintervening and requiringdeletion of medical billrecords from nationalcredit files does not sitwell with everyone, how-ever. Though the creditbureaus had no immedi-ate comment on the leg-islation, their trade group,the Consumer Data In-

dustry Association, op-posed a similar bill thatpassed the House 336-82last September. The asso-ciation said it is stillstudying the current bill.

Fair Isaac, for its part,recently posted a blogthat warned against“subjective tinkering”with credit scores. “Whenlenders … are preventedfrom seeing these nega-tive records,” the compa-ny said, “(they) are likelyto loan to borrowers whoare riskier than theyappear.”

Where’s this all head-ed? It’s a complex issue,with solid arguments onboth sides. Don’t be sur-prised if the House passesit this year. But if the bigbanks weigh in against it,look for it to have a muchtougher time gettingthrough the Senate.

Ken Harney’s email address [email protected].

WASHINGTON POST WRITERS GROUP

Medical collections may hamper creditKennethHarney

THE NATION’S HOUSING

DEAR BARRY: Werecently bought a fore-closed home from a bankand were not told thetruth about the heatingand air conditioning sys-tem. Everyone said thesystem was a heat pump.It was stated as such bythe real estate agents, thehome inspector and thepurchase contract.

The home inspectorreported that the systemneeded to be repaired orreplaced, but since it wasa bank-owned home, itwas sold as-is. Aftermoving in, our electricbills were so high that we

called an HVAC contrac-tor. He told us the systemis an electric furnace withan air conditioner, not aheat pump. Can we suethe agents and the homeinspector for replacementof this system?

KathyDEAR KATHY: There is

no basis for a claimagainst the agents or thehome inspector. The in-spector told you that thesystem needs repair orreplacement.

When the home in-spector advised you thatthe system had problems,an HVAC contractorshould have been called atthat time. Then youwould have learned in amore timely manner thetype of system in thehome.

As for the faulty dis-closure, most people whoare not professionalHVAC contractors have

no idea of the differencebetween an electric fur-nace and a heat pump.Those who disclosed thesystem as a heat pumpwere doing so in goodfaith, believing that thiswas truthful disclosure.

DEAR BARRY: Ourhouse is 48 years old, andwe have worked on it forthe past 30 years. Oneproblem is that it needscloset space. My husbandwants to convert one ofthe bedrooms to make alarge walk-in closet, witha passageway through themaster bathroom. Thatwould decrease the num-

ber of bedrooms fromfour to three and wouldreduce the size of thebathroom. I am con-cerned that this will af-fect our ability to sell thehome in a few years.

MarieDEAR MARIE: If you

decrease the number ofbedrooms, you will defi-nitely decrease the prop-erty value, and that willdefinitely matter whenyou eventually sell thehome. Before you sell, anappraiser will determinethe value of the property,and a major considerationwill be the number of

bedrooms. Eliminatingthe number of bedroomsalso makes the propertyless desirable to manybuyers. A fourth bedroomis important in today’smarket because so manypeople use an extra bed-room as a home office.

If a larger closet is im-portant to you, consult alicensed architect to seewhat other ways the floorplan can be altered with-out decreasing the valueof the home.

To write to Barry Stone, go towww.housedetective.com.

ACTION COAST PUBLISHING

BarryStone

INSPECTOR’S IN THEHOUSE

Home inspector is not liable for faulty air unit


CHICAGO — Six of the 10 mostexpensive housing markets inthe country are in California, ac-cording to Coldwell Banker’s an-nual Home Listing Report.

At the top of the most expen-sive list: Newport Beach, Calif.,

which was the costliest place tobuy a four-bedroom, two-bath-room home for the second year ina row, according to the report of2,300 markets in North America.

The report considers the aver-age home listing price of four-bedroom, two-bathroom homeslisted on ColdwellBanker.com.The homes were listed on the site

between September 2010 andMarch 2011.

The average U.S. home thatfit this criteria listed about$293,000. The average listingprice in Newport Beach: $2.5million.

That California cities madeup such a large part of the top10 list isn’t much of a surprise.

“Year in and year out, Califor-nia and the West Coast dom-inates,” said Jim Gillespie, chiefexecutive of Coldwell Banker RealEstate. There were also a couple oftop 10 cities from the East Coast.

Here is the list of the 10 mostexpensive housing markets:

1. Newport Beach, Calif.2. Pacific Palisades, Calif.

3. Stone Harbor, N.J.4. Rancho Palos Verdes, Calif.5. Saratoga, Calif.6. Los Gatos, Calif.7. Weston, Mass.8. Greenwich, Conn.9. Mercer Island, Wash.10. Cupertino, Calif.


Both coasts top most expensive homes listBY AMY HOAKMarketWatch

CHICAGO — Niagara Falls, N.Y.,is well known for its beautifulviews and its popularity amongtourists. But here’s somethingyou might not have known: It al-so has the most affordable hous-ing market in the country.

That’s according to a new re-port from Coldwell Banker.

The Home Listing Reportconsiders average listing pricesof four-bedroom, two-bath-room homes on ColdwellBan-ker.com. The report looked at2,300 markets in North America,analyzing properties listed be-tween September 2010 andMarch 2011.

Some of the most affordablemarkets in the country are suf-fering with weak economies, and

include Midwestern cities thatnever experienced high housingprices during the boom but sawprices fall as their local econo-mies deteriorated, said Jim Gil-lespie, CEO of Coldwell BankerReal Estate. Other affordablemarkets include areas of thecountry dealing with an over-abundance of new housing sup-ply.

There were 775 U.S. markets

where listing prices for thesehomes averaged $200,000 orless, Gillespie said.

“What this points out is thatreal estate is extremely afford-able for those who have a secureincome, a good down paymentand credit score and can docu-ments their assets,” he said.

Here are the most affordablehousing markets, according tothe report:

1. Niagara Falls, N.Y.2. Riverdale, Ga.3. Coolidge, Ariz.4. College Park, Ga.5. Detroit6. Hastings, Fla.7. Cleveland, Ohio8. Lithonia, Ga.9. Trotwood, Ohio10. Sioux City, Iowa


Niagara Falls has nation’s most affordable home BY AMY HOAKMarketWatch

Q: We have a two-story house built in 1939with original double-hung windows in goodshape and aluminumstorm windows. In win-ter the inside of thestorm windows on thesecond story (bed-rooms) get some con-densation on them.

Besides putting upfoam tape around thehouse windows, do youhave any suggestionswithout spending a lotof money to try to cor-rect this? Also, is thecondensation somethingto worry about?

A: There is a dead airspace between the housewindows and the stormwindows, which is whyhaving storm windowshelps from an insulatingstandpoint. When air is

allowed to move into thatspace, it carries moisturevapor with it, which con-denses on the cold glassand turns to liquid water.

To answer your secondquestion first, yes, thecondensation is somethingto be concerned about.Repeated wetting of thewood can lead to mold,mildew, dry rot, and win-dows that simply do notwork very well. Wheneveryou see the condensationappear, you should removethe storm window and dry

out the wood rather thanallowing it to remaindamp.

There are two thingsthat you need to addresshere. The first is theweatherstripping, becauseif you can eliminate the airmovement, you’ll stop orgreatly reduce the con-densation. The metalweatherstripping youdescribe is difficult torepair, so you’ll want tofind an alternative.

I would suggest taking apicture of the windows,and then go and discussthis with a local glassshop. With the picture forreference, they should beable to help you select theappropriate type of retrofitweatherstripping to solvethe problem. I would alsorecommend that youweatherstrip both the

house windows and thestorm windows, ratherthan just one of them.

Because you’ve men-tioned that only the up-stairs windows are doingthis, the second issue toaddress is that there ap-pears to be more moisturein the air in that area. Thiscould be due to an ad-jacent bathroom withoutan exhaust fan; it could bepoor circulation from yourheating system; it couldeven have to do with theplacement of the furnitureand drapes in that room.I’d encourage you to do alittle detective work andsee if you can find reasonswhy the extra moisture isbeing created, and see ifyou can’t remedy that.

When your financesallow, I would stronglysuggest that you look into

replacement windows.The improvement in ener-gy efficiency, operationand noise reduction withnew insulated windows asopposed to older single-glazed units with storms isconsiderable. The newwindows will also defi-nitely add resale value.

Q: I have a metal doorthat has a strip of vinylmaterial at the bottom.Can this be replaced?

A: If you know themanufacturer of the door(you may be able to find iton a sticker on the edge ortop of the door, or insidethe frame) then you cancheck that company’swebsite on the Internetand see about gettingreplacement material.There may even be a localdealer who will have areplacement door sweep.

An easier option, andwhat I ended up doingwith my own metal exte-rior doors, was just in-stalling an aftermarketsweep. Because exteriordoors are a standardthickness, any home cen-ter or hardware storeshould have a replacementsweep that will work.

They’re also easily ad-justable up and down, soyou can get a good sealagainst the threshold.

You’ll probably want toremove the hinge pins andtake the door off its hing-es, then set it on a coupleof sawhorses. That willgive you easy access to thebottom sweep.

Remodeling and repair questions? EmailPaul at [email protected]. Allproduct reviews are based on theauthor’s actual testing of free reviewsamples provided by the manufacturers.

INMAN NEWS

Window condensation cause for concernPaulBianchina

HANDY @ HOME

PIEDMONT OPEN SAT2-4 & SUN 2-5. Model

home. New hms on 1/2ac lots. Info also

available for new hms inother additions. From

NW Expwy & SaraRd go 4.5 mi N. Cleaton

& Assoc 373-2494

PIEDMONT OPEN SAT2-4 & SUN 2-5. Model

home. New hms on 1/2ac lots. Info also

available for new hms inother additions. From

NW Expwy & SaraRd go 4.5 mi N. Cleaton

& Assoc 373-2494

CASHION ACREAGESw/trees & creek 6 & 11

ac tracts avail starting @$25,000. Owner fin pos-

sible. Lisa 919-5717Cleaton & Assoc

373-2494

1N to 10A, E. of OKC,pay out dn. before 1st pmt.starts, many are M/H readyover 400 choices, lg trees,some with ponds, TERMS

Milburn o/a 275-1695paulmilburnacreages.com

OWNER FINANCING1-28 Acres

Many LocationsCall for maps405-273-5777

www.property4sale.com

CASHION ACREAGESw/access to private lakegreat bldg site! $32,900.Lisa 919-5717 Cleaton &

Assoc 373-2494

Payout dn pmt before 1stpmt starts. Your opportuni-ty to own land, 40 areas,E, NE, SE of OKC 1N A.Milburn o/a 275-1695 terms

Call for Maps! See whywe sell more acreagesthan anyone in Okla.

E of OKC. o/a 275-1695

40ac., hunting land only,Hughes Co., Must Sell$30,000 obo 405-889-9272

I-40 Harrah Rd, 2+2,1N A $55K Carry with dnoffer. Sr disc. 386-5278

80 acres N. Piedmont,blacktop frontage,

$425K, 405-823-3177.

Central Okla. HorseFarm, 320 acre reputa-tion breeding & trainingfacility, custom home,highly improved, large

lake, $2.8M,405-823-3177.

Be Square Properties LLC

Gorgeous home locatedin Oak Tree, gated com-munity, 3 bed plus study,2K bath, on golf course,2600 square feet, hard-wood floors, granitecounter tops, crownmolding, 405-226-0981.

Edm schools 3bed 2bath2car gar. 5yrs old. Nice$138K obo 409-7877

Lease-Buy 11bd/7ba/4cr10400 SE 12th St. $10k +$2,890/mo 281-739-9455

If you're looking for3/2/2, PC Schools, 1553',that is awesome! For$124K. Must see! 7513NW 126th, 330-1880.

Open Sun 2PM, 4401 NW26th, REDUCED! 3/2/2 +Florida room, $115,900,Bateman Co, 324-2022.

Bank Owned 4/3.5/3, 3 liv2 din, 05 blt, 3604sf, lotsstorage, Piedmont Schls,$209,900 CB 414-8753

BANK OWNED Historic4/1.5 2 liv/din, 2342sf, hwfloors $114.9k CB 414-8753

CUSTOM BUILDING1.5-2-5 acre tracts avail.

or build on your lot.Open Daily 5pm-8pm

New 3 bd, 2 ba house on1.4 ac., 15 min. to Tinker,lots of trees. 919-4933

3 and 4 bedroom homesfor rent. Section 8 OK.Available now! 405-413-8475 or 405-413-0540

Rental property, 3 halfduplex units, 3/2 & 2/2,$45,000 each, 692-6243.

Price Reduced $8,0001412 SW 67th sharp 3bdbrick home 1car ch/a,large covered patio,great area, priced to sellonly $69,900. Fidelity RE692-1661, 410-4200

Completely remodeled3bd 1.5ba 2 living, 2ndliving could be 4th bed,seller will pay all buyer'sclosing costs. Only $79,900Fidelity692-1661, 410-4200

OWNER FINANCE3117 SW 27th $21,0003904 S Young $12,000

FLESHMANS INC235-5473 or 314-3551

OWNER FINANCING$2000 down No Credit Ck3020 SW 39 3/1 $56,000» 596-4599 410-8840 »

2740 SW 46th Place3 bed, 1 bath, 1 car,

ch&a, $74,900405-371-8807

Home for Sale by owner2942 SW 53rd 3bed,

1.5ba, $82,000 503-7612

Bank Owned Updated 4/3/22 liv, 2629sf, .24ac, MooreSch $189.9K CB 414-8753

FABULOUS 3bd 2ba on5ac (mol) approx 2858'

chef's kit w/island, hugeFlorida rm w/hot tub &

more! Lisa 919-5717Cleaton & Assoc

373-2494

COUNTRY LIVING-PIED-MONT 1332 Edmond Rd

NW 5 Acres 3 BD, 2N Ba1 Liv 2 Din, 30x50 Shop

w/ H&A $249.9KLeon 373-4820

Overland Ex Realty

INCREDIBLE 3bd 2ba ap-prox 1880' outbldg 7 koipond 3rd car gar accessto bckyd & parking pad,$172,900. Lisa 919-5717

Cleaton & Assoc373-2494

NEW HOME 3bd 2baw/study approx 1690' onK ac (mol) $166,900

Lisa 919-5717 Cleaton &Assoc 373-2494

Rent to OwnEl Reno - 615 N. Evans2bd 1 ba - Call for maps

Easy Approval405-273-5777

www.property4sale.com

40ac., hunting land only,Hughes Co., Must Sell$30,000 obo 405-889-9272

Special Disaster ProgramsZero Down! Own Land/Family Land Zero down.Instant rebates/furnitureallowance up to $8000.Free phone applicationWAC 405-631-7600

Huge 3bd/2bth 2 largeliving Stainless steel

appliances New carpet,lots of upgrades

$499mo. wac405-470-1330

NEED MOBILE HOMEFINANCING? 550-599

credit scores no problem!WAC. Over 25 homes in

stock 405-631-3200

Ready NOW! $325mo.3bd/2bth, fireplace,

ceramic tile 2x6 walls,vinyl siding/shingle roof

405-787-5004

Abandoned D/W set up on5 acres. Brick foundation,driveway, ready to movein. Free phone application

405-631-7600

Used 16x80 $12,80028x70 REPO $18,500

www.midstatehousing.com405.527.5669

Take over pmt $355Oak Ridge community

3bd/2ba all elecEdmond 341-9209

Disaster Relief ProgramAll homes at cost andspecial Interest rates

405-787-5004

'97 16X80, 3 bed, 2 bath,great condition, $18,000,you finance, 405-470-2886.

3/2 Bath Repo set up inquiet park. Ready to move inFree phone app 631-7600

Over 100 Repos on Land or0 down w/your Land! WAC866-764-3200,405-631-3200

**NEW** 1216 sq ft$25,995 - 1 only

Maxeys Homes 631-3600

Owner FinancingMustang Area 3-5k

down/ $350mo, 787-4035

Repo Triplewide 3x2301-2454, 517-5000

Rent to Own: Nice 2&3bdMWC $350&up 390-9777

Repo Solitaires301-2454, 517-5000

I BUY HOUSESAny condition. No cost

to U 495-5100

I BUY & SELL HOUSES27 YRS EXP 650-7667

HOMESOFOKCINC.COM

We Buy Houses FastAny size or condition.»» 405-412-7800 »»

LAKE TEXOMA:Waterfront Home on

Soldiercreek, 3 bd$575,000 405-641-0841

MOBILE HOME on 3/4acres, in Caney Creek onLake Texoma. 2BR 1BA.$55,000. 405-823-6717

Family owned businessin Ft. Supply, Ok. Home

of Historical sites, 1 milefrom Ft Supply Lake,best camping in Okla-homa. Near 400 acres+wildlife hunting nearhigh populated Okla-homa prison WS Key

Prison and NW MentalHospital. Only store intown on very busy NWpassage Highway to allWestern States. Good

fishing area doing a highvolume business. Storeis a mini Grocery Store

with home cooked meals& hot deli, know for fa-mous home made sand-wiches. Sinclair fuel cov-ers 6 lots including bakeshop and 6 camper sites.

Older Couple Retiring.Asking price $425,000.

Call Evenings580-256-2860

COMMERCIAL BUILDINGAND FOUR ACRES

3311 N 4TH STREET,NORTH ENID, OK 73701

THE BUILDING CON-SISTS OF OFFICE

SPACE, WAREHOUSE &SHOP AREA, BREAKROOM & FOUR RE-

STROOMS TOTALING12,440 SQUARE FEET.OFFICES HAVE CEN-

TRAL HEAT & AIR, SUS-PENDED OVERHEAD

INFRA RED GAS FIREDHEAT & A HOTSY OIL

BASE HEAT SYSTEM INTHE WAREHOUSE& SHOP. SEVERAL

OVERHEAD SERVICEDOORS FOR MACHIN-

ERY ACCESS.WELL LOCATED ON

HIGHWAY & EASY OUTOF TOWN ROUTES.

PLENTY OF PARKINGFOR HEAVY & LARGE

EQUIPMENT. CONTACTGEORGE TRAYNOR

580-541-1603

Investment Property!Medical/Office Buildingon 1.81 acres! 3 yr triplenet lease. Keesty, MetroBrokers, 405-850-5675

200 ft. hwy frontageAtoka, .7 ac $250k

580-509-9202

Business: If you want tosell I do it well. If youwant to buy I'm yourguy. Call Bill at FNBC at405-526-3622/226-0981.

INVESTOR BLOWOUT!2118 N Prospect $27,5001224 NE 19th $27,500

Fin. Avail. Kruger Inv.Jim, 235-9332 / 812-1657

Wholesale properties,104 unit $13K per door,

4 plex $169K, duplex$69K, 405-409-7779Seabrooke Realty

Small Business/Storage1250sqft, 28Wx50L,

14x14 O/H door,$500 month. 89th St.

& I-35 S. OKC, 631-4447

Nichols Hills shoppingcenter, 7608 N Western.1200sf MOL, $930/mo.$930 dep. Call 370-1077

GREAT SpaceOFFICE

Various NW locationsMOVE IN SPECIALS

300-6000sf 946-2516

1, 2 & 3-Room Offices$175 & up ¡ 50th & N

Santa Fe area 235-8080

$99 Move In Special1 & 2bds, carports, coinlndry $345-445 470-3535

MOVE IN NOW!Pd. water/garbage Quiet.Try Plaza East•341-4813

1 & 2 BEDROOMS,QUIET! Covered ParkingGreat Schools! 732-1122

$200 OFF RENT1&2bedrooms. Spring TreeApartments. 405-737-8172.

$200 off1 & 2 BEDROOMS

Furnished & UnfurnishedNEWLY REMODELEDGATED COMMUNITYCAVE CREEK

ON ROCKWELL3037 North Rockwell

495-2000

$100 offFirst Month’s Rent

LARGE TOWNHOMES& APARTMENTS

• Washer, Dryers, pools• PC Schools, fireplaces

Williamsburg7301 NW 23rd

787-1620

$99 Special1 & 2 BD & Townhouses•City bus route/Shopping•Washer/Dryer hookupsValencia Apts

2221 N. Meridian

946-6548

$200 OFFWasher/Dryers, FireplacesPC Schools-Townhouses

PARKLANE8100 N. MacArthur Blvd.»»» 721-5455 »»»

$89 FIRST MONTHBe sure to show this ad

for special.Affordable Luxury

Spacious, too416-5259

TUSCANY VILLAGE

Walford Apts-Midtown-518 NW 12 large 1bd 1ba1100sf $875mo $775depwasher/dryer hkup CornerStudio 650sf $625 mo,$525dp; Basement Studio$425mo $325dp 409-7989

»» ALL BILLS PAID»»1 Beds-Move in Today!

$99 First Month2 Beds & Townhomes, tooDREXEL ON THE PARKPool & Park 293-3693

Florence Apt 429 NW 11Downtown view! 650sfMidtown Studio, Granitecounter. Free Laundry!$750mo $400dp 409-7989

804 NW 21st Mesta Park2bd 1ba 1000sf $600mo

$300dp Free laundry409-7989 no sec8

Furnished/UnfurnishedBills Paid» Wkly/MonthlyWes Chase Apts, Elk HornApts, Hillcrest 370-1077

1304 NW 9th nice 1bd,All Bills Paid, $350 moFidelity692-1661, 410-4200

Plaza Apts 1744 NW17th 1bd 1ba 800sf $500mo. $250 dep 409-7989

MAYFAIR Great location!1/2 bd W/D hdwd flr quietsecure ngbrhood¡947-5665

1 bed, air, furnished, allbills paid, $380+dep, refs789-3110 or 618-7972

$99 Move In Special1 & 2 Bd, $345 - $446 mo5944 NW 40 470-3535

» MOVE IN SPECIAL »LARGE 1, 2 & 3 BEDS

Rockwell Arms, 787-1423

Quiet Casady!Low Rents $550 751-8088

•ABC• Affordable, Bugfree, Clean » 787-7212»

800 N. Meridian 1bdAll bills paid 946-9506

2 bedrooms, D&S Apts.6101 S. Klein Ave., ch&a

No Sec 8. No Pets.631-2383

$99 SPECIALLg 1bdr, stove, refrig.,clean, walk to shops.$335 mo. 632-9849


$99 Move In Special!!!Lg 1 and 2 Bdr, $345 to

$420 mo. 632-9849

»»»»»»»»»»»»»» Yukon All Bills Paid »» 1 bd From $495 Move»» 2 bd From $595 In»» 3 bd From $695 Today»» Open7days/wk354-5855»»»»»»»»»»»»»

For Rent: 1b 1ba condowith W/D. NW OKC

$450/mo. »» 818-4455

» Large 2 bd » 2 K ba »1500 sf, fp, wet bar, 2 car,PC Schools » $810/mo,

No Section 8. 831-82187005 Crestmont Drive

828 & 838 NW 113th St.2bd, fenced, stv, frig,

carport $530 + $500dep.Sec. 8 ok No pets. 748-6129

» PC 8020 NW 80thNice 2/2/2, appls, FP$745/mo 721-1831

3/2/2, 9905 MashburnBlvd, $875 mo, No Sec 8,412-8540 jjcrent.com

Clean 2 bed 2 bath 1 car,1420 A SW 35 St, $600mo, $400 dep, 550-8059

Duplexes, 3 bed, 2 bath, 2car, some new, some gat-ed, call Rick, 405-830-3789.


6200 N. College Streetnice & safe neighborhood3bed, 2bath, no pets.$1,100. 405-410-2166

3309 Cox 3 bed, 1.5 bath,ch&a fenced yard, $725plus deposit 412-7013

3bd 3ba 3fp 4car 1 AcreStonegate Addn Choctschls $2000mo 818-1308

3bd 2ba 2car fp 1440sf $850Home&RanchRlty794-7777

413 Clermont 3/2/2 $11501408 Ridgecrest5/3/2 $1695731 Rockridge 3/2/2 $9501317 Pennington 2/2/1$725Express Realty 844-6101www.expressrealtyok.com

3 bed, 2 bath with study,community pool. Coffee

Creek Sub Division$1,295. 245-3166

3 bed, 2 bath, like new,large yard, Harrah schoolno smoking or indoorpets, 1 year lease, $850mo + $700 dep, 454-3956

2225 Highland Road, 3bed, 1K bath, with den& fp, exc cond, $850,659-4259.

3712 Woodside 3/1/1 $5651300 McDonald 3/1/1 $495

681-7272

504 E. Indian, 4bd 2bafresh paint, clean, $725Fidelity410-4200, 692-1661

7404 SE 15, Nice 3/1/1Clean. Hardwood Floors.

$600 • 732-3411

4 bdrm 1 ba ch&a, fencedyard, W/D hkup, Sec 8 ok417-3333 Mid Del School

4909 SE 86th Terr. 3/2/2sunroof, remod. $1100+

dep. 285-0305, 823-6550

3bedroom, 2 bath,garage, $995/month

405-213-8074

1708 N Elton 2/1/1 $4502108 NE 18th 2/1 $425

681-7272

3 Bd, 2 Ba, 2524 N. ReevesAve near Bethany.Hardwood floors,

Immaculate. $950 month,$1200 deposit. No Sec. 8.

Available 7/1! 1 yearlease. 627-3791

1126 NW 55th BrookavenAddn beautiful 2-levelbkyd, 2 bd hdwd flrs, ch&aNo smokers, $640 +$400dep. 524-0739

2900 Brushcreek in QuailCreek, 4 bd, 4 ba, 2 car,2 FP, heated pool, justremodeled, $2475 mo,$2000 dep, 850-9795.

525 NW 114 St. 3 bd,2 car gar, stv, frig $800+ $600dep, No pets, Sec.8 OK »» 748-6129 »»

2616 NW 50 2bd 2ba 2car1200sf Contemporarycondo all appls $1050 mo$1000 dep 409-7989

6021 NW 58th Terr 3bed2bath 1car, PC Schools,$975mo, $975dep 1600sf409-7989 no section 8

Beautiful 3BD 2BA 2carbuilt around an atrium,master w/fireplace 3000sf$1285 mo 255-4300

K Off Special928 NW 109th 3bd 2ba2car $825/mo $800/dep1300sf 409-7989 No Sec8

Brick 3bd 2ba, landscaped,1600sf, fenced, storage,sunroom $1075 255-4300

Beautiful duplex in QuailCreek 3bd 2ba 2car 2100sfatrium, $1075 255-4300

Sec 8 Ok, 3 bd, CompleteRedo. 1156 NW 91st$700, $700dep, 942-3552

OCU-SHEP-HIST 4bd 2bahdwd flrs, $450; 1 bd garapt, $350; T.I. 524-0222

245 NW 79th 2/1.5/carportSec 8 ok $550mo, $250depTMS Properties 348-0720

1317 NW 104 Terr. 3bed,1bath, ch&a, gar. $700/mo, $600/dep 812-6461

NW 47th near Classen, 2bd, 1 ba, ch&a, no gar,ref/dep, $575, 755-0097.

11705 N Francis 2/1.5/22story, $650mo, $500depTMS Properties 348-0720

5529 South Dimple 3bed, 1.75 ba, 2 car gar,CH&A, fenced yard, nice,$675/month, Sec 8 ok.

413-6204

1404 SE 41st, 3 bed,1 bath, large back yard,W/D hook with appli-ances, 214-755-5509

3 bed, 2 bath, 2 car gar,Sec 8 Ok. $675 + dep.

fncd bkyd. Call 850-0011

Nice 2 bed, 1 bathfenced yard,

$450MO 793-7196.

112 SE 40th 1/1 $325224 SE 58th 1/1 $425

681-7272

2804 SE 46th, 4/2/2,$795 rent, $500 dep,

sec 8 okay ¡ 324-2611

2 bed, 1 bath, $400/mo$200/dep 889-9272

700 SE 50th

4108 S RobinsonLarge 2bd home, freshpaint, water & garbagepaid, only $495 FidelityRE 692-1661, 410-4200

1424 SW 24th 1/1 $3503407 S Lee 2/1 TH $3953240 SW 45 3bd 1ba$4503000 SW 37 3/1 2 liv $595

681-7272

New, nice, brick, 3, 1.5,1c, quiet street, ch&a,

new carpet & paint,Western Hts Schls,$635 mo, 787-1598

2316 SW 47, 2/1/1$495mo, $500dep

2704 SW 60 PL, 3/1/1$695mo, $500 dep

No pets or Sec8. 376-9876

3105 SW 120th 3/2/2$1100 mo, $800 depwww.tms4rent.com

TMS Properties 348-0720

2444 SW 50th nice 3bdhome, good area, largecorner lot, clean $575moFidelity692-1661, 410-4200

2804 SW 46th Ter $645+dep, sharp 3/1/1, fenced,637-1777 or 685-6817.

8000 S Youngs, 740-42013 bd, 1.5 ba, 2 car, ch&a,2 stor bldgs, $820 + dep.

Lg Lux 3/2/2 New Carpet,FP, Good Area, Very Clean!PCSchools$825.» 685-0332

3bd 1ba lg gar $550mo$400dep. » SE 2bd 1ba$400 +$400dep 631-8220

UPDATED 2bd 1baw/wash/dryer. $585mo»» 818-4455 »»

1116 Park Manor 3/1.5/1New tile/carpet, fenced, fpoffice, laundry rm $1500mo$1200dpTMS Prop348-0720

Nice, Clean 2bd, 1ba inSpencer, No pets 200dep

$375mo ¡ 740-2383

Rent to Own: Nice 2&3bdMWC $350&up 390-9777

Housemate M/F or cou-ple, no pets, 3 bed, 1Obath, share rent + utili-ties, $400, 405-208-2983.

NEW 32 x 80 MUST GO!Factory pricing. Full tape& texture, Upgrade Ap-

pliances, JUST BEAUTI-FUL www.THCOK.com

405-787-5004

Huge 28x70, 2 living ar-eas. Stainless steel ap-plicances. New carpet,lots of upgrades, $499-mo. wac 405-787-5004

LIKE NEW $325 mo. wac3bed, fireplace, ceramic

tile 2x6 walls, vinylsiding/shingle roof

405-787-5004

6016 N. Quapah 3/2/1fenced $825mo, $600dep

www.tms4rent.comTMS Properties 348-0720

Unfinished 2 story on 15A3 or 4bd NE of Harrah,animal sheds, storage bldgMilburn o/a275-1695 terms

Commercial RE

Established Business For Sale

Commercial Property For Sale

Farms, RanchesFor Sale, Okla. 308

Acreage For Sale 302

Edmond 314

RE for sale

MWC 317

Vacation PropertyFor Sale 347

Piedmont 327

Suburban, NW(El Reno, Guthrie, Cashion, Deer Creek, Etc.) 332

OKCSouthwest 326

OKCSoutheast 325

OKCNorthwest 324

Mobile Homes, Manufactured Houses 339

Mobile Homes, Manufactured Houses 339

Real EstateWanted 346

Real EstateNotices 345

Yukon 438

Edmond 422

MWC 424

Condominiums,TownhousesFor Rent 441

OKCSouthwest 433

OKCNorthwest 431

OKCNorthwest 431

Bethany/Warr Acres 420.5

Duplexes

Apartments

OKCSouthwest 455

OKCNorthwest 453

OKCNorthwest 453

Hotels/Motels 462

Yukon 460

Bethany/Warr Acres 464.5

RE for rent

MWC 468

Harrah 466.5

Edmond 466

Del City 465.5

Choctaw 465

Mustang 470

Moore 469

OKCNorthwest 475

OKCNortheast 474

Mobile HomeRentals 483

OKCSouthwest 477

OKCSoutheast 476

OKCSoutheast 476

Rooms For Rent 489

Business Property For Sale 351

IndustrialProperty 336

Offi ce SpaceFor Rent 363

Business Property For Rent 360

Investment Property For Sale 355

Village/Nichols Hills 481.5

10F SATURDAY, JUNE 25, 2011 NEWSOK.COMTHE OKLAHOMAN

The Oklahoman Real Estate

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