Give Your Home Some Love!

Valentine’s Day is just a few days away! Love is permeating the air! And as the place where you live with your family and share so much love, your home deserves a little love, too.

Your home is where the heart is – and as the setting for your family dinners, lazy Sunday mornings, busy weeknights and special moments spent together, your heart is your home. Owning a home brings its own brand of joy, but it also comes with responsibilities. When you’re busy packing lunches, cooking dinners and keeping up with the kids’ schedules while juggling your work life every day, sometimes those little cleaning and upkeep tasks can slip through the cracks and start to pile up and our home become a little neglected.

To celebrate Cupid’s holiday this year, here are some ways to show your home some love.

  1. Grab some flowers: There’s a reason we associate flowers with love and happiness, especially this time of year when the outside world is cold and gray. The next time you’re running errands, grab a bouquet. Apart from the beauty of the blooms, your home will smell wonderful.
  2. Change your furnace filter: The past few months your furnace has probably been running pretty regularly and you’ve probably been spending a lot of time inside; so treat yourself to some clean air! A clean furnace filter will reduce the amount of dust, dander and other allergens in the air, helping you to breathe easier. As an added bonus, changing your furnace filter regularly will extend your furnace life and reduce your energy bills!
  3. Declutter: It is easy to collect stuff, but let’s be honest, it just gets in the way. We all have it in our homes from the stack of mail that lives on the counter to the pile of toys in the living room. It’s time to go through it and either find a home for it or get rid of it. Rule of thumb, if you haven’t used it in six months; sell, donate or scrap it.
  4. Refresh your curb appeal: Make your home feel inviting and friendly. A welcome mat, door knocker or wreath can easily be done no matter what the weather is doing outside, and it will give an instant lift to your home.
  5. Hang some art: Artwork can transform any room in an instant. Choose a piece that appeals to you and complements your existing room décor. Try to bring in some color to brighten up your home during the short days of winter.

By showing your home a little Love this Valentine’s day, you will create a more welcoming and friendly space to enjoy with your family and friends. After all, this is where your loving memories are made.

By Bonnie Marlow, Broker/Owner, Cisco Realty


Preapproval is the First Step in Your Home Buying Journey

We receive many calls at Cisco Realty from potential home buyers who say they are thinking about buying a home, but they aren’t sure what to do. What is the first step to get the ball rolling? We all know it’s fun to imaginary-shop for houses online, but when you’re ready to get serious, what should you do?

The first step for any home buyer should be preapproval of a mortgage. You need to find out what you can afford. Unless you have a sizable chunk of cash in the bank, you are going to need a mortgage loan.

It can be tempting to procrastinate taking this first step for the same reason people put off going to the doctor; it’s kind of a hassle and there’s a chance you’ll get bad news. But avoiding a doctor’s visit isn’t going to make you any healthier and avoiding a serious look at your finances isn’t going to make it easier for you to afford a home. Don’t worry about what you’ll be able to afford – go meet with a lender and find out. You might even be surprised to find out you can afford more than you thought!

Once the lender has determined that you may qualify for a mortgage, they will write a letter of preapproval stating that based on their standards, you are qualified for a mortgage up to a certain amount providing certain conditions are met. A lender can’t approve an actual mortgage until your offer has been accepted by a seller and the house appraises for at least the amount of the loan. The preapproval letter is a lender’s way of expressing confidence that you can afford a certain price home.

Preapproval letters are necessary to demonstrate that you are ready and able to buy a home. Many sellers will not consider offers from a buyer who is not preapproved.

Preapproval is not the same as pre-qualification. Pre-qualification is a less formal estimate and relies on the accuracy of information you provide – nothing is verified. Pre-qualification will not carry much weight with agents or sellers.

Preapproval is not a promise that a mortgage will be approved. Circumstances could change between the time you are preapproved and the closing date on your home. If you’re credit score changes, your employment status changes or other issues arise, your mortgage application can still be denied.

Once you have talked to a lender, provided them with the required financial information and have received your preapproval letter, it’s time for the fun part – looking at homes!

If you have any questions about the home buying process, call Cisco Realty. We love helping our clients.

By: Bonnie Marlow, Cisco Realty, Broker/Owner


What the Heck is a Home Warranty?

If you’ve been looking to buy a house, you may have noticed that some homes are listed with a home warranty, and others aren’t. So is a home warranty important? Should you make sure your new home has one? If you’re selling a home, should you offer one?

First off, if a seller is offering a home warranty, accept it! You won’t be out any money and it could benefit you.

But if the seller isn’t offering it, should you ask for one during negotiations or purchase one yourself? Let’s take a closer look at what Home Warranties are to answer this question.

We all like having additional peace of mind when it comes to the systems and appliances in our homes. Things inevitably break down over time, but most of us don’t plan for the furnace to die mid-winter or the dishwasher to suddenly implode. A home warranty can offer some financial protection for those unexpected occurrences.

Whether or not you should ask for a home warranty or purchase one depends on your specific needs, finances and the condition of your new home.

What is a Home Warranty?

It’s essentially a single protection plan that covers the cost of repairs and replacing of appliances and systems in the home. A warranty will cover damage due to normal wear and tear on major appliances, HVAC systems and more depending on the coverage. According to Realtor.com, a one-year warranty can run anywhere from $300 to $600 and up, based on the items covered.

Home Warranty vs. Homeowners Insurance

Homeowners insurance covers damage to the house itself, outbuildings, and structures on the property. Each policy varies, but most homeowners insurance generally covers damage from these hazards: fire or smoke, explosions, lightening, hail and thunderstorms, theft, vandalism, damage from vehicles, damage from aircraft, riots and civil commotion, and volcanic eruption.

Your home warranty usually covers a package of appliances or systems. This generally includes HVAC, washer and dryer, kitchen appliances, and electrical and plumbing systems. In addition, you could purchase supplemental coverage for things like your swimming pool or septic pump.

Pros of Home Warranties:

  • Protects you from surprise repair costs, especially when you first move in
  • Covers breakdowns due to normal wear and tear
  • Good for people who aren’t handy or don’t have a regular contractor
  • Good for homeowners with expensive appliances
  • You typically pay less overall for repairs and replacements

Cons of Home Warranties:

  • Charge a service fee for each visit
  • Warranty does not cover “improperly maintained” items, and warranty company has discretion to define what that means
  • If coverage is denied, home owner has to pay service fee plus repairs
  • May have many exclusions
  • May have a dollar limit on coverage or deductible

Home Warranties are ideal for:

  • Those moving to an older home or one with outdated appliances
  • Those who are risk averse. Does the thought of a broken fridge keep you up at night? If you’re one who simply needs the peace of mind that a home warranty provides, it may be right for you.
  • Those who are not financially prepared to make a large, out of pocket expense. New appliances don’t come cheap. Unless you’re financially prepared to replace these items, it may be a good idea to get a home warranty.

Home Warranties are NOT ideal for those moving to a newly built home or one with updated appliances. Most new appliances should be covered under manufacturer warranties.

One of the best things a home warranty can provide for you is peace of mind. New homeowners can take comfort in the fact that surprise breakdowns could be taken care of with just a small cash outlay and a lot less hassle than hunting up a repair or replacement provider on your own.

If you’re looking to purchase a home that doesn’t have a home warranty provided, talk to you Realtor about whether or not to ask the seller to provide a warranty, or whether or not you should purchase one yourself.

By Bonnie Marlow, Realtor, Cisco Realty


7 Common Home Buying Mistakes to Avoid

Buying a home is exciting but full of complexities. It can be easy to get lost and confused during the home buying process. Proper planning is paramount. It’s also helpful to learn from other people’s mistakes. Here are some of the most common errors people make when shopping for a new home.

  1. Not budgeting for everything. Yes, this sounds obvious, but many people forget or are unaware of some of the costs of buying a home. There are costs for inspections and appraisals, not to mention new furniture, appliances, moving fees, utility deposits, etc.
  2. Not getting preapproved. If you want a house, and you love it; you don’t have any time to waste in today’s market. You need to put in an offer quickly, before it’s snatched away from you by another buyer. Make an appointment with a lender. Find out if you qualify and for how much, before you start shopping. Then you will be ready to put an offer immediately when you find your dream home. Don’t lose your dream home by failing to get preapproved.
  3. Going Solo. The sellers have an agent protecting them, looking after their interests and advising them, but do you? You should be working with your own Realtor. You wouldn’t go to court without your own lawyer would you? Even if you have good knowledge of the home buying process, it’s hard to have perspective when you’re purchasing your own home. There are a lot of decisions that could have major consequences down the road, that’s why it’s important to have someone on your side. Best of all, you won’t even have to pay for their services. The seller will pay for your Realtor out of the proceeds of the home.
  4. Trusting verbal agreements. A home seller can verbally accept your bid and still turn around and give it to someone else if a higher bid comes along. So before you celebrate your new home, make sure you have all of the signed paperwork.
  5. Skipping the home inspection. You can’t expect the seller to tell you about all the potential problems you might face if you buy their home. There might even be issues with the house that the seller isn’t aware of, which is why it’s crucial to hire an inspector to take a look through the house. An inspector will examine the overall foundation and structural features of a house. It’s their job to find these areas of concern so that you don’t have to worry about them later on!
  6. Sweating the small things. Don’t like the color of house or the wallpaper inside? Don’t sweat the small thing! Focus instead on the location and the overall structure, layout and size of the house. Once you move in, you can change the small things you don’t like such as paint color, flooring, wall paper and more; and make your house a home!
  7. Making another large purchase before the deal is closed. Prior to closing, a home buyer should not celebrate the new house with another large purchase (example: an expensive sofa, car or anything that requires a loan). The reason? Lenders will be pulling and assessing your credit reports before closing. Even if you’ve been preapproved, a change in your recent credit history can make ineligible for your loan and you could lose the house!

If you avoid these mistakes and work closely with a good Realtor, you will find your dream home that you can enjoy for years to come!

By Bonnie Marlow, Realtor, Cisco Realty


How to Choose a Great Listing Agent

The world is full of people who sell real estate. Some of them are smart, efficient, focused, versatile and willing to go the extra mile. And some of them aren’t.

Finding an agent who will sell your home using a range of marketing tools to get you the best deal possible in a reasonable amount of time, all while charging a fair rate, takes some effort.

Two of the biggest mistakes home sellers make when choosing a listing agent are selecting an agent solely based on the highest list price for your home and the lowest commission.

At first glance, a seller might say, “What? Are you nuts?” because sellers want the highest possible price and to pay the least amount of commission. But those two criteria have very little to do with hiring a competent agent and, in many instances, can cost the seller time and money.

The agent doesn’t set the list price of home. As the seller, you have the final decision on the listing price. A listing agent should show you comparable sales, pending sales and active sales and suggest a list price. But YOU choose the sales price and buyers will tell you if the price is right.

To get the listing, some agents may suggest a high list price. If the suggested price is higher than the suggested price of other agents, ask for the proof. If the agent did not base their suggested list price on a comparable market analysis or the homes sales used are located in a different neighborhood that could be a red flag.

Pricing is an art. If the home is priced right, you will get showings and most likely an offer within the first 30 days. If it’s priced too high; you might not get any showings at all. Buyers will shun your home, and you’ll eventually end up reducing the price, leaving buyers wondering what’s wrong with your house. It may ultimately sell for a lower price than it would have if it had been priced right from the start.

Why would an agent willingly work for less than competitors? There is always a reason why a broker or real estate agent would discount a real estate fee. Sometimes it’s the only way the agent feels it’s possible to compete because the agent can’t otherwise stand apart from the competition on service, knowledge or negotiation skills.

If the sole benefit an agent brings to the table is a cheap fee, ask yourself why. Is the agent desperate for business or unqualified?

A good listing agent lives and dies by marketing. Because marketing sells homes. Ask the agent about their marketing plan. What will the agent do to sell your home?

Look at the agent’s current listings. Check out their listings online. Look at their agency’s website and sites such as Realtor.com. Also check the agent’s Facebook page to see how properties are being marketed by social media.

Most buyers start their search online, and you want an agent who uses that tool effectively.

Agents should take great pictures of the property. The photography on your home is absolutely one of the essential elements in selling homes today. If your home pictures are lousy, or there are none or very few, you will lose out on a significant amount of showings.

Find out what the agent will expect of you, the seller. A good agent will have expectations. The agent may want you to leave and take the dog when the house is shown, paint the garage, move some furniture around and scrub the tile in the bathroom. This shows the agent knows what buyers like to see.

Another important key in finding the right listing agent that many sellers forget about is choose the person, not the experience. Choose an agent who works for you and with you. You will be spending a lot of time with the agent and you need to mesh. Choose someone relatable and real. Choose someone good at talking and negotiating. Chemistry is key. Ask yourself, “Does my real estate agent have my best interests at heart?” Be honest with yourself, and if the relationship doesn’t feel right, move on to someone else.

When you take the time to look for these things in a Real Estate agent, the chances of selling your home quickly and for top dollar shy rocket!

By Bonnie Marlow, Realtor, Cisco Realty


10 Tips for a Fast Sale at Top Dollar

As we head into fall, the peak home buying season may be over, but homes are still in high demand. There are buyers that still haven’t found the right home. Maybe your home is just what they are looking to buy. If you’re considering selling your home, now may be the best time. Although there are few homes that have been sitting on the market for months or longer; the majority of homes in our area are under contract within a month of listing and may even have multiple offers. How can you be assured that if you list, your home will sell quickly and for top dollar? Here are a few tips.

Setting the right price and making an excellent first impression are both essential to attracting buyers, but what else can you do to get the offers rolling? Here are 10 tips to help you sell your home as quickly as possible – even in the off season.

  1. Price it right from the start. Sellers often think they should start the asking price high and then lower it later if the house fails to sell. But that can result in a slower sale – sometimes even at a lower price. The first 30 days’ activity of your house being on the market is always the most activity you’re going to see. Many sellers seem to value their property above market value. If you want a quick sale, you need to be realistic and listen to your agent who will look at current listings in the area and other properties that have recently sold.
  2. Enhance your home’s curb appeal. This could mean adding new sod, planting flowers, painting the front door or replacing the mailbox. Prospective buyers form an opinion the moment they spot the home. Driving into the driveway and walking into that front door sets the expectations.
  3. The fewer things there are in the home, the larger it will appear. Remove knickknacks and excess furniture. Take down religious items and political posters. Remember, they are buying the home, not the items inside. Make it easier for potential buyers to see the home and not get distracted by your personal items. Pay particular attention to common junk magnets like; kitchen and bathroom counters, fireplace mantels, laundry room shelves, tabletops and magazine racks. No decluttering advice would be complete without a call to streamline your closets. If your closet is crowded, buyers are going to think their stuff won’t fit. Wow buyers by showing them how much space there is for stuff; not how much stuff there is in the space.
  4. Cleaning your home for home showings might be common sense. But many folks underestimate just how clean it needs to be. This isn’t your run-of-the-mill weekend tidy-up. Think of it as spring cleaning on steroids. You’ve got to think about what buyers look for and get down to the nitty-gritty so that even the smallest details shine. From ceiling fans and window blinds to baseboards and tile grout, no surface goes unscrubbed! Don’t forget to get your windows squeaky-clean to make your home look bright and airy. You may want to consider hiring a cleaning service.
  5. Repair broken items. Even the small stuff matters. Tighten the loose knob on the drawer, change the burnt out light bulb, etc. If buyers notice items that need to be repaired, they may start to wonder how well you took care of the large maintenance items like the furnace and air conditioning unit.
  6. Stage the house to show how the rooms are supposed to be used. If you have an odd rooms with no obvious role, give them one. An odd alcove off the kitchen could be staged as an office or a pantry, for example.
  7. Make the property easy to show. The more flexible you are about visits, the more people will be able to see your home. Be ready for prospective visitors early in the morning, at night and on weekends, with little notice. Also, leave when the house is shown so would-be buyers can feel free to move about without feeling like intruders and discuss the home’s pros and cons honestly.
  8. Remove your pets. Also remove their paraphernalia, such as dog dishes and cat litter boxes (or at least hide them). A prospective buyer may be allergic to pets.
  9. Your listing should be on all the major online portals. This is part of an agent’s service, but some agents use more online marketing than others. Find out what type of online marketing your agent will use before you list. Your home should be on Zillow, Trulia and Realtor.com. It also helps if your agents showcases the home on social media.
  10. Ensure the listing has good photos, and lot of them. Once again, this is your agent’s job, but you want to make sure that your agent uses a good camera and gets plenty of good photos. Make sure your house is clean and organized before the photos are taken. Look at pictures of other listings from that agent before you list. Most homebuyers start their search online and decide which homes they want to see based on photos. You don’t want a potential buyer to pass on viewing your home based on poor or few photos.

Selling your home fast and for top dollar might require a little extra work, but it will be worth it in the end. Do everything you can to get the home in excellent shape and be prepared to make some small concessions at closing such as helping with closing costs. These tips will increase your odds of getting your home sold quickly and for top dollar.

By: Bonnie Marlow, Realtor, Cisco Realty


Dreaming of a Lake Home?

Buying a lake home can be an exciting process. Whether you’re looking for a weekend getaway, a retirement home, or a primary residence; lake related properties offer many attractive features. Waking up a seeing the sunrise over the lake is a dream for many people.

Lake homes provide great family memories. People who grew up with lake homes often reminisce about learning to fish, swimming with friends, exploring the water’s edge and being out on the boat. It’s a place to spend time with the kids. Enjoy holidays with family and friends and de-stress. A lake house can be a place for building memories with your kids or enjoying peace and quiet in your retirement.

If you’re dreaming about that lake house, we have a variety of lake houses available for sale in many different price points. We can also help guide you through the process of finding and buying that perfect lake home.

When looking at lake homes, consider the property and location as much as the structure. You might like the layout of the house, but is it down a long channel from the actual lake? How is the privacy or the view? Think about how you plan on using the house and what is important to you. Someone who plans on taking out a large pontoon frequently might have different wants than someone who plans on spending the majority of their time fishing from the sea wall. Focus on the activities you’re passionate about and choose a property accordingly.

If you’re buying your home as a primary residence, you may need to make sure it’s properly insulated and set up to handle year-round, winter living. Some homes may have been built strictly as a summer or weekend home and may not have sufficient insulation or storage space for full-time living. Although, it is possible to rectify these items, knowing what you are buying and what you may need to change is important since it may add to the cost of the home.

Clarify ahead of time whether or not flood insurance is needed for the home you may be considering. You should also find out if the home is located in an association; and if so, what the fees are, what those fees cover and if there are any rules or regulations you will need to abide by in your new home.

Lake related homes fit a particular lifestyle choice that is incredibly exciting for many people. Here are just a few of the many lake related homes currently on the market around Grand Lake St. Marys.

  • 6591 Klosterman Circle, Celina – 2 bed, 2 ½ bath, 2,151 sq. feet – $415,000 – Enjoy magnificent views from this lake front home surrounded by water on three sides with cement sea walls and a boat slip!

front 3from channel 4

  • 355 Pershing, St. Marys – 4 bed, 4 ½ bath, 4,705 sq. feet – $449,900 – This grand 2-story brick palatial home offers beautiful views of the lake.

outside 9outside 13

  • 5295 Karafit Rd, Celina – 2 bed, 1 bath, 892 sq. feet – $109,900 – Channel front year round home with many updates

KODAK Digital Still CameraKODAK Digital Still Camera

  • 148 Waterbury, St. Marys – 3 bed, 2 bath, 2,061 sq. ft. – $240,000 – Channel located on 2 sides of this amazing home. Plenty of room to park your lake toys along the cement sea wall.

148 waterbury148 waterbury back

  • 42 Causeway, St. Marys – 3 bed, 2 bath, 1,585 sq. ft. – $199,000 – This channel front home features a large deck with hot tub along with a deeded dock.

42 causeway42 causeway deck

If you would like to see any of these homes or any other lake related homes for sale near Grand Lake St. Marys, give me a call. I can help make your lake home dreams come true!

By Bonnie Marlow, Realtor, Cisco Realty


Things No One Ever Told You About Buying a Home

Buying a home is such an exciting adventure. When your friends and family find out you’re thinking about buying a home, advice and stories abound. However, even with all of the stories, there are probably a few things you may not have heard.

I’m sharing this list to make sure you don’t end up saying things like:

  • No one told me that!
  • I sent everything on your list, why does this underwriter person want more?
  • Conditions?? All I want is a home loan, why are you picking on me?
  • This is a lot of work, I thought it was supposed to be fun!

First thing you need to know, is that it’s going to take time! Sometimes the home buying process can be over in a flash. Most times, however; it will take months. From credit improvement, to saving up money, to dealing with all of the moving parts, and finding that perfect home; buying a home is a big deal. Some days it may feel like things are moving so slowly you’ll never find the home you want to buy. Be patient. People buy homes and close deals every day. Your day will come, too.

When buying a home, you’re going to sign a lot of paperwork. You’ll feel like you’re signing thousands of pieces of paper before the closing table. Then you’ll sign another pile. It’s normal. Maybe start conditioning your hands now to get ready to wield that pen.

Your lender is going to look into all of your financial background. Having a lender look at what feels like every purchase decision you’ve ever made can be a little unnerving. It’s normal. Because a mortgage is such a huge commitment, your lender wants to make sure you’re ready and able. No one wants the situation to turn sideways later – that’s where late payments and foreclosure notices make things messy. Your lender doesn’t want that, any more than you do.

Make sure you document any major withdrawals or deposits in your bank account. A lender will investigate your financial story, your deposits and withdrawals. If a large deposit is a gift it can be used for your down payment, but a loan cannot.

Be careful about paying off all debt and closing accounts before making a mortgage application. Thin credit is sometimes more difficult to approve than bruised credit. A long and diverse credit history is typically better when applying for a mortgage.

Property taxes are likely to change at some point – affecting your monthly payment. Escrow payments are included in your monthly payment to pay your property taxes and home owners insurance. When these bills change, your house payment will change. It’s not a change in your interest or principal payment.

Do not give notice to your landlord until you have a firm closing date. Sometimes the home inspection turns up major repairs that will take time to be completed, or the appraisal comes in too low and the contract has to be renegotiated. Potential closing dates can be moved back for these and other reasons. You don’t want to end up homeless for a few weeks or having to move in with mom and dad!

Buying a home can be a lengthy process. It can be scary and seem overwhelming at times. It can also be exciting and fun. A good Realtor can help guide you through the process, making it less stressful and a lot less scary with few surprises. By working closely with your Realtor, you will be able to find the homes that fit your criteria as soon as they hit the market, and you’ll be ready and able to put in an offer right away.

By Bonnie Marlow, Realtor, Cisco Realty


Do You Want $5,000?

Welcome Home Money is back March 1st! Don’t miss out on your opportunity to receive $5,000 towards your home purchase.

Through the Welcome Home program, low and moderate income home buyers in Ohio can receive a $5,000 grant to be used for down payment assistance and/or closing cost assistance. But funds are limited and will be distributed on a first come/first served basis. If you’re looking to buy a house, now is the time to act! If you wait, the money will be gone! Homes that go under contract in February but don’t close until after March 1st are eligible for the program.

Only authorized lenders can offer the Welcome Home money. Make sure to ask about it when you go for your preapproval. If you’re already pre-approved, contact your lender to see if they offer this program. If you’re looking for an authorized lender, contact me and I can refer you.

Your lender will have more information on the income limits and other details of the program.

Home buyers must contribute at least $500 toward the down payment or closing costs. Up to $300 of that may be received as a gift. Buyers are required to stay in the home for 5 years, or they will be required to repay the grant on prorated basis.

This program is not limited to first time home buyers. However, the home buyer can not own a home at the time of closing. Buyers will need to close on the sale of their current home before they can close on the purchase of their new home in order to use this money.

Talk to an authorized lender for more details.

Call me today to find a home and claim your Welcome Home Money before it runs out!

By: Bonnie Marlow, Realtor, Cisco Realty


Find Your Summer Lake Home

Blustery cold winter days with wind chills in the negatives makes it seem like the long, warm, lazy days of summer are a long way off. We miss afternoons spent out in the sunshine, sans coat, scarf, hat, and gloves.

But, I promise, those beautiful summer days will be here quicker than you expect. Now is the time to plan on how you want to spend those warm sunny days. Would you love to live by the lake and enjoy the water? Or how about purchasing a weekend home with lake views?

Now is the time to start your lake home house hunt!

As everyone else hunkers inside next to their fireplace to stay warm, there will be less competition for you as you look for your lake home. Less competition means its less likely you will encounter a bidding war on your dream home and will be able to get it for a lower price.

Additionally, you need to consider the length of time it takes to purchase a home. If you want to watch the spring season bloom from the deck of your new home, you need to get moving! It typically takes approximately 75 days (that 2 ½ months!) to get possession of a house once an offer has been accepted. That doesn’t even take into account the amount of time you need to find your dream home and the negotiation process! To put it into perspective, if you have an accepted offer on a home at the end of January, it could be mid-April before you unpack your bags!

There are currently several homes near the lake or located on channels that are for sale. Here are a few listings, you won’t want to miss:

  • 3 Oakwood Lane, St. Marys – $99,900 – Channel front lot, 2 bed, 1 bath, 896 sq. ft.


  • 5392 Behm Rd., Celina – $145,000 – Overlooking the channel, 2 bed, 2 bath, 1,070 sq. ft.
  • 155 Notheana, St. Marys – $155,000 – Located on the channel, 3 bed, 2.5 bath, 1,624 sq. ft.
  • 138 Lago Vue, St. Marys – $196,000 – Located on the channel, 3 bed, 2.5 bath, 1,764 sq. ft.
  • 42 Causeway, St. Marys – $199,000 – located on the channel, 3 bed, 2 bath, 1,585 sq. ft.
  • 148 Waterbury, St. Marys – $240,000 – located on channel, 3 bed, 2 bath, 2,061 sq. ft.
  • 72 Southmoor Shores, St. Marys – $245,000 – located on channel, 3 bed, 2.5 bath, 1,798 sq. ft.
  • 110 Marbellow, St. Marys – $249,000 – located on channel, 4 bed, 2.5 bath, 2,435 sq. ft.
  • 80 Southoor Shores, St. Marys – $275,000 – located on channel, 3 bed, 2 bath, 2,184 sq. ft.

If you’re dreaming of a lake home, give me a call; I can help those dreams come true!

By Bonnie Marlow, Realtor, Cisco Realty