Real Estate Weekly 10 23 15

REALESTATEESTATEWEEKLYWEEKLY

October 23, 2015

These homes offered by Fisher Provence REALTORS®(405) 377-1000 • 904 E. 6th Avenue

1618 Chiquita Ct.

4324 W. 19th

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1618 Chiquita Ct. OPEN SUN. 1-3 - A home and setting like no other. Custom-built home on a cul-de-sac in the heart of Stillwater. Canopy of trees and a little creek behind the house will appeal to all nature lovers. Boomer Lake recreation area and the high-school are just blocks away. Jack Shelton built this lovable house in 1976, and the classic lines and fl oor plan ar timeless. Brick fl oors, solid wood doors, Anderson windows, Roof and HVAC system new in 2012. Wood-burning Jotel stove in living area. Additional shop/offi ce building (10 x 20) added to the north of the house, with electricity/cable/internet.

4324 W. 19th - Sitting pretty, hilltop location, just off W. 19th, Custom-built gem has new windows, roof and 2 HVAC units. Countertops, several appliances, some fl ooring are also new. This is a very spacious home in a great setting. Beautiful curved stairway, grand living and dining, eat-in kitchen and oversized family room with stone fi replace. Large bedrooms with walk-in closets and window seats, bonus/game room and sunny sewing/craft room. Wide, stately front porch overlooks the small acreage. Just blocks from the schools, and from the golf course. Immediately available.

Stillwater

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Late October landscape tasksAs I sit here writ-

ing this week’s col-umn, the forecast-ers are saying sig-nificant rains are anear certainty forthis weekend. If themuch needed rainsdon’t develop, it willbe time to give yourlandscape a goodthorough watering.The above averagetemperatures we’vehad the last fewweeks have reallydried things outand plants needsome moisture rightnow to give themtheir best chance ofmaking it throughthe winter in goodshape.

Our typical firstfreeze of the yeartypically happens inthe next 10 days.While a freeze isnot showing up onthe long range fore-cast yet, things canchange fairly quick-ly so now is thetime to get ready.While you are outand about in thelandscape, here area couple more sug-gestions to consider.

Right now is agreat time to walkyour landscape andtake notes on whatyou like and don’tlike. Are plants toocrowded? Do treesneed pruning?Would a perennialor shrub perform

better if it wasmoved to anotherlocation? Is there aspot in the land-scape that wouldbenefit from addi-tional planting?While it may not betime to do all thesethings, it is a greattime to note whatneeds to be donewhen the appropri-ate time comes. Itcan also help to tagthe plants you planto do somethingwith since they canlook a lot differentcome next spring.

For those of youstill harvesting veg-etables, you mightconsider makingplans to cover yourcrops just in caseour first freeze is alight one. I don’tknow about you,but I had some ofthe best tomatoes ofthe season for lunchyesterday, and itsfun to think aboutthe idea of eatinggarden fresh toma-toes picked inNovember.

Now is also a

great time to begincomposting if youare not alreadydoing so. Leaves arestarting to drop (therain forecast is like-ly to greatly acceler-ate this) and theyare excellent forbuilding mass inthe compost pile.Don’t be intimidat-ed by the compost-ing process, it canbe as simple, or ascomplex as youwant it to be. Formore informationon composting, seeOSU Fact SheetHLA-6436 HealthyGarden Soils.

For more informa-tion on this or anyother horticulturaltopic, you can con-tact Keith Reed, theHorticulturist in thePayne CountyExtension office.Keith can bereached via email [email protected], phone at 405-747-8320, or in per-son at the PayneCounty Extensionoffice at 315 W. 6thin Stillwater.

KEITH REED

Home Grown

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OPEN SUN 1-2:30 PMOPEN SUN 1-2:30 PM

3115 W. 24th - $280,0004 Bedroom - 3.5 Bath - 3801 SqFt - Offi ce,

Two living areas. Large Lot (approx. 1 acre). Over sized 2 car garage.

Tips for small kitchensBy Ed Del GrandeTribune News Service

Q: Dear Ed, Ienjoyed your lastcolumn on tips forremodeling small-er bathrooms. Butwhat aboutremodeling small-er kitchens? Canyou please give usyour views on howto make the mostof small kitchenspaces?

– Jean, KansasA: My two basic

suggestions forsmaller bathroomsand smallerkitchens are aboutthe same. Use lots ofwhite colors andinstall a goodexhaust fan to venti-late area. On top ofmy basic tips, hereare three smallerkitchen remodelingtips to keep in mind.

1. Get as muchlight into thekitchen as possible.Long rectangular

windows up highand close to the ceil-ing can make use oflower wall space andget natural lightinto the area.Skylights can alsomake up for limitedavailability to installlarge windows.

2. Use shelving orshelving units inplace of cabinetswhenever possible.Since shelves areopen spaces, visuallyit can look like youhave a little moreroom in the kitchen.The downside is nowyou just can’t throwa mess of stuff in acabinet and closethe door.

3. Install a small-er size single bowlkitchen sink. Norule says you haveto install a largekitchen sink.Smaller single bowlkitchen sinks areavailable that workjust fine and cansave space.

Do you own yourhome? Have youowned it longenough that youhave grown tired ofsome aspect of it, ordid you want tochange somethingabout it the day youbought it? Have youalways wantedgranite countertopsand new cabinets inyour kitchen?Perhaps you havefantasized aboutcreating the perfectmaster bathroomwith marble, ceram-ic tile and glassaccents. Are yousomeone who lovesyour home's loca-tion but reality tellsyou that you needat least one morebedroom and bath-room?

When faced withthese scenarios,most homeownersassume that theyhave very fewoptions beyond sav-ing up the money orputting it on a cred-

it card. Othersbelieve that theonly option is to goto a bank, get ahome equity loan,only to find out thatthere is not enoughequity available todo what they desire.

There is a betterway, in fact, there isan amazing way toaccomplish yourgoals and you mightbe able to have yourhome pay for itsownremodel/upgrade.How you ask? Byusing a renovationmortgage!

Renovation lend-ing has beenaround for years.However, becauseof some complexi-

ties and the factthat the borrowerhas customer ser-vice needs after theloan closes, manymortgage lenderschoose not to pro-mote this product.

– What is renova-tion lending?Renovation lendingis a type of mort-gage loan where aportion of the loanamount is dedicatedto paying forrepairs and/orupgrades on ahome.

– Can renovation

lending also be usedfor purchase loans?Yes, it can be usedto make improve-ments as part of thepurchase of a newhome (I will be dis-cussing this in nextmonth's article).Today's article willdeal with the refi-nance option.

– What types ofrenovation loansare there?Renovation lendingis available in anFHA loan as well asa Conventional loan– which one tochoose reallydepends on the situ-ation.

– How does reno-vation lendingwork? In a nutshell,renovation loansallow a borrower tofinance the cost ofrepairs or upgradesbased on the home's

value after theevent, so theappraisal for theloan is done as 'sub-ject to' repairs orupgrades. Thisgives you the oppor-tunity to use thefuture value whenfiguring how muchyou can borrow.There are evencases where a bor-rower can financean amount inexcess of the “sub-ject to” value. Thisis why I said earlierin this article thatit is possible toallow your home topay for its ownupgrades.

To illustrate howa transaction mightwork imagine thefollowing: TheSmiths have ahome they boughtthree years ago. Itwas built in 1996

and is 1,500 squarefeet. They paid$125K for the houseand currently owe116K. From the daythey bought it, Mrs.Smith wanted toremodel thekitchen; howevershe never believedthat they would beable to afford it.Then they heardabout renovationlending! After firstgetting qualified fora renovation loan,the Smiths wentout and got bids toremodel theirkitchen. They set-tled on one bid thatincluded cabinets,granite countertops,tile flooring andpaint for $7,500 andan appliance bidthat totaled $2,500for a stove, oven,microwave andmatching refrigera-

tor. The Smiths were

able to pay off theirexisting loan, rollthe cost of the reno-vation along withtheir closing costsand pre-paid itemsinto their new loanand only increasedtheir mortgage pay-ment by $75 permonth.

The Smiths havealways loved theirhome, now theirkitchen is to die for;they plan to staythere for manyyears.

Eric Zanotelli is aloan officer forInterlinc MortgageServices inStillwater. Pleasedirect any ques-tions, comments orreplies to [email protected].

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Renovation mortgage for home improvements

ERIC ZANOTELLI

HometownMortgage

By Maureen GilmerTribune News Service

The end ofOctober not onlymarks the finale ofthe agriculturalseason, it hasbecome a transi-tional date linked todeath. It is a veryancient traditionrooted in pre-Christian Europewhen native tribeslike Anglo-Saxons,Teutons and Gothscelebrated with firefestivals and burn-ing of the fields tomark the end of theseason of manuallabor. They also sac-rificed figures madeof straw from theharvest by throwingit into the flames,the inspiration forthe Burning Mancelebration inNevada.

It is also a timewhen plants wentdormant for thelong, cold winter.And to protect thehome from spiritsof the dark forest,useful plants werehung drying allaround the house.These tribes uti-lized more than500 herb plants forboth magic andmedicine. Wort wasa word that preced-ed the word “plant”among theancients, so virtu-ally all plants wereworts.

The Doctrine ofSignatures came in

with Christianityafter the fall of theRoman Empire inthe first centuriesAD. Physicianscame to believeappearance of aplant was a clue toGod’s purpose for itas a cure. Forexample, the liver-worts we find grow-ing in damp springsresembled theshape of the humanliver, so it was valu-able for treatingdiseases of theorgan. However,this was not accu-rate and liverwortshave no medicinalvalue at all, provingthe doctrine isindeed a constructof Christianity builtupon the ancientpagan practices.

Even today, rem-nants of this doc-trine are still foundin modern herbalmedicine books, sopractitioners should

beware this veryearly designation ofhealing plants notonly ineffective,they may be toxic ifcertain plants areingested in toogreat a quantity orfor too long, orworse, the wrongpart of the plant isconsumed. For thisreason, it’s impor-tant to find a scien-tific analysis of anyherb, plant or wortbefore using it onpeople or animals toverify no toxic com-pounds are present.

The term “bane”also comes fromthis pre-Christianperiod as a plantknown to be toxic orpoisonous. Forexample, Menthapulegium wasnamed fleabanebecause its oilsdrove fleas frombeds and homes,and today it worksjust as well for dog

beds. Aconitum ormonkshood wasused to poisonmarauding wolvesin old Europe so itbecame wolfbane, aplant featured inthe old Lon Chaney“Wolf Man” movie.

Plants called“simples” featureone basic uniquevirtue, such aschamomile tea forstomach complaints.Simples also findtheir roots in thesepre-Christian cul-tures, which wereresponsible for thelong trial and errorprocess of discover-ing the value of acertain plant.Among the mostoften used Anglo-Saxon simples werebetony, wormwood,

yarrow, sage andpennyroyal.

A “remedy” wascreated through“polypharmacy,”which blendednumerous simplesto create prepara-tions for treatingspecific maladiesboth physical andmental. Thisprocess was oftenmistaken for witch-craft. These recipeswere shared byword of mouth,handed down frommother to daughterand from mentor toa young healerlearning to treatpoor village resi-dents. It was the oldwomen who gath-ered their worts andbanes and simplesto treat the young

when medicine wasin its infancy anddid more harm thangood. In fact, froman early folk reme-dy for dropsy(edema), the fox-glove plant was sci-entifically isolatedto yield digitalis,the most importantcardiac medicationin history that’s stillin use today.

We tend to lookat Halloween, AllSaints’ Day, AllSouls Day and ElDia De Los Muertosas rooted inChristian culture,but in fact they allbegan long beforethe fall of Rome inthe Old World andNew. Tribal peoplewho roamed Europeand Britain for mil-

lennia were, likeNative Americans,consummate localbotanists, living ahunter gatherernomadic lifestyleseeking plant curesfor their ills. Intime they becamemore stable herdersand farmers whenthese worts andsimples were culti-vated in the herbgarden. Thoughthey evolved withtime and the com-ing of the church,these practicesremain rooted inthe ancient knowl-edge of plants andthe cures theypromise, be itsilencing a cough orkeeping the malevo-lent spirits of win-ter at bay.

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From the dawn of civilization, herbalplants have served an array of roles

By Maureen GilmerTribune News Service

Ever wonder whatthe Nez Perce, cre-ators of theappaloosa horsebreed, fed theirhorses during win-ter? When thegrasses are goneand leaves have fall-en there’s oneAmerican tree thatcould be relied uponto provide forage:the cottonwood.During hard times,Native Americansharvested the softerinner bark knownas the cambium dueto its moist sweet-ness and vitamincontent. It was alsofed to horses, andLewis and Clarkwrote often aboutthis in their famousjournals. John C.Fremont’s horseswintered in Reno,Nev., on little morethan these innerbark starvationrations.

Such historyexplains whydrought presentssuch a threat to ourlong-lived woodytrees and shrubs.When nature’s chal-lenges reduce theamount of naturalfood for wildlife, beit the depths of win-ter or the dog daysof summer, theywill come into ourlandscaping to findnew sources of sur-vival food.

Even when thereis no drought, livingin deer country isone of the greatestchallenges for gar-deners because theyjump fences so easi-ly. In winter whenfood is scarce, deer

can wreck havoc ontrees and shrubs asthey seek nutritionin cold and snow.Bucks also rub thevelvet off their newantlers on trunksand branches, caus-ing bark damage inother seasons, too.

The most vulnera-ble part of a tree orshrub is the cambi-um, a thin layer ofvital water andnutrition carryingtissues that liesbeneath the hardouter bark. Wherethe cambium isdamaged, there isno more exchangebetween leaf androot in that part of atree’s trunk. If thedamage manages toring the tree, alltransfer is destroyedand it will die fromthat point upward.It’s not uncommonto “ring bark” trees

in rural areas sothey die whilestanding for easyavailability of woodin the future.

To protect yourinvestment in woodyplants no matterwhere you live, thevery best book onhow to protectagainst deer,rodents and otherwildlife is “Deer-ResistantLandscaping:Proven Advice andStrategies forOutwitting Deerand 20 Other PeskyAnimals” by NeilSoderstrom (Rodale,2008). Using photog-raphy and excellentdiagrams, it’s a trea-sure trove of ways toprotect woody plantsfrom damage fromspecific animals.This book is a virtu-al bible for anyonewho gardens outside

the city.Ruth Rogers

Clausen’s 2011Timber Press book,“50 Beautiful Deer-Resistant Plants,”offers gardeners agreat way to land-scape without con-cern for deer dam-age. ThisWestchester Countyauthor lives in thedepths of northeast-ern woodlands,where deer areeverywhere andmany homes lack afenced yard. Inthese landscapesthe only way to pro-tect against deerdamage is to avoidwhat Ruth calls“deer candy” andreplace them withwell proven candi-dates from thebook.

Gardeners in coldweather countryknow how impor-

tant it is to protecttrees and shrubsfrom gnawing win-ter pests. Now thedrought-strickenstates that formerlylacked a problemare discovering howrabbits, groundsquirrels and others

are consumingplants they’d nevertouch during normalrainfall years.

There are a vari-ety of ways to pro-tect tree and shrubtrunks during anyseason. The sim-plest deer protection

is to loosely wrapthe trunk in burlap,which is openenough to allow airto move through buttough enough to dis-courage browsers.Tie it in place withtwine and replace itevery few months.

How to protect landscape from deer and other browsers6

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Adorable house on the edge of Stillwater all set up for horses, or FH animal, or pets. Loafi ng shed with enclosed tack room

and completely fenced. Also, the large backyard has a separate chain-link fenced area. Step inside to see the quality remodel - dark wood Laminate fl ooring, beautiful new carpet, granite in both bathrooms and kitchen, quality paint job too. You’ll think

you’ve stepped inside Pottery Barn - this 3 bedroom house is charming and irresistible! Stillwater Schools. Roof new in 2009.

2201 Shiloh St - 3 Bed / 2 Bath

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Fisher Provence, REALTORS®

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By John-JohnWilliams IVThe Baltimore Sun

The new iPhone’srose gold cover wasjust the tip of theiceberg.

Rose gold haslong been popularamong jewelrydesigners and in thefashion world, fromMichael Kors usingthe color to accentwatches and hand-bags to Ted Baker’suse of it on the zip-pers of dresses andcoats.

But recently themetallic pink seemsto be everywhere,from high-tech prod-ucts to low-ballglassware. Thetrend has trickled

over to home decor,where shiny acces-sories aim to polishup your space.

For example,Target just releaseda home collectionthat is pepperedwith gold and pink-ish pieces. Homedesigner JonathanAdler revealed a col-lection that featuresrose gold prominent-ly.

StephanieGamble, an interiordesigner who ownsThe HouseDowntown inBelvedere Square,sees the use of goldhues growing inhome decor.

“I love all thegolds comingback–even the

brass, bronze, coop-er and rose golds,”Gamble said. “Forso long it was thesilver, but ... goldhas an everlastingelegance that iswarm and sophisti-cated and, of course,sparkly.”

Gamble has beenon the lookout forrose gold pieceswhile shopping forvintage pieces. She’sstocked up on flat-ware and glasswarewith rose goldaccents, which shesays are perfect forcocktails and can beused as flower hold-ers.

“For so long,everyone wasputting all theirgold in the [silver-

ware] drawer,”Gamble said. “Nowyou can really findit If you go vintageshopping. A lot ofpeople haven’tcaught on that thegold is back. That iswhy you scoop themup for not a lot ofmoney.”

Gamble prefers touse rose gold spar-ingly to maximizeits appearance.

“The best way toincorporate rosegold is throughlighting,” Gamblesaid. “From lampsor perhaps a tinyspeck of it in a tinychandelier, lightingis a great way toincorporate anymetal.”

Introducing small

amounts of rose goldto your home’s inte-rior will keep itlooking classicrather than tootrendy, she said.

For a more glam-orous treatment,Phillip Smith,owner of PhilipSmith Design, aBaltimore-basedinterior design busi-ness, likes to userose gold in big, boldways.

"Anything metaland pretty gets myattention,” he saidwith a laugh.

When Apple intro-duced the iPhone ina rose gold finishlast month, Smithsaid he immediatelyknew that the trendwould spill over into

home decor.“I’ve always been

a fan of it,” he said.“I first saw it comeback three years agoin fashion when alot of my girlfriendswould wear rosegold pendants orwatches.”

Now, Smith isdreaming up uses ofthe rose-hued metalin home decor.

Rose gold can goeither way–softwhen paired withwhite marble orcompletely glam, hesaid.

Pairing the colorwith sequins is awinner, said Smith,envisioning asequined rose goldthrow placed over acharcoal velvet sofa.

He also suggestedusing the sparklingcombination for din-ing table runners.

“That would addflair for any type ofparty,” said Smith,who is thinking of away to use a copper-toned mirror hespotted onPinterest.

Both Gamble andSmith agree thatnow is a good timeto introduce rosegold.

“I think it can bereallybeautiful–especiallywith the holidayscoming up,” Gamblesaid. “It’s verywarm. It’s not a coldmetallic. It’s befit-ting for the holi-days.”

Rose gold, golden hues on the rise in home decorating

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Monthly Housing StatisticsData from Stillwater Board of REALTORS | Aug 2015

Reports produced and compiled by RE STATS Inc.

HOUS

ING

STAT

ISTI

CS

CLOSED UNIT SALES CLOSED VOLUME SALES

AVERAGE SALES PRICE AVERAGE DAYS ON MARKET

AVERAGE ASKED TO SOLD RATIO AUGUST INVENTORY

August Year to Date August Year to Date

August Year to Date August Year to Date

August Year to Date End of Month Inventory Months Supply

20142015

20142015

20142015

20142015

20142015

20142015

919113.88M13.88M 11.69M11.69M

152,537152,5378989

97.18%97.18%

312312

172,499172,499 110110

97.10%97.10%

4.474.47

6060

-34.07%-34.07% -15.81%-15.81%

+27.69%+27.69% -2.66%-2.66%

+0.05%+0.05% -10.58%-10.58%

+3.46%+3.46% -8.88%-8.88%

+0.29%+0.29% -8.17%-8.17%

-2.42%-2.42% +0.95%+0.95%

194,773194,773

8787

97.23%97.23%279279

178,460178,460

100100

97.39%97.39%4.104.10

620620 106.95M106.95M 107.97M107.97M605605

Area Delimited by Entire Stillwater MLS - Residential Property Type

*Absorption Rate:Average Sales/Month 12 months prior to Aug 2014 is 68.8Average Sales/Month 12 months prior to Aug 2015 is 69.5

August Year To Date (Jan - Aug)

2014 2015 +/-% 2014 2015 +/-%

9113,881

150,000152,537

7189

97.73%97.18%

3124.47

-34.07%-15.81%14.35%27.69%-5.63%-2.66%0.31%0.05%

-10.58%-8.17%

6011,686

171,528194,773

6787

98.03%97.2%

2794.10

620106,949150,000172,499

80110

97.92%97.10%

3124.47

605107,968156,000178,460

74100

98.57%97.39%

2794.10

-2.42%0.95%4.00%3.46%

-7.50%-8.88%0.66%0.29%

-10.58%-8.17%

Closed Unit SalesClosed Volume Sales (x1000)Median Sales PriceAverage Sales PriceMedian Days on Market to SaleAverage Days on Market to SaleMedian Asked to Sold RatioEnd of Month InventoryMonths Supply (End of Month Inventory/Absorption Rate*)

Home inspectors mayreport minor defectsBy C. DwightBarnettTribune News Service

Q: I have ques-tions about aninspector. I’mselling my home,and the buyerwanted a homeinspection. Thesales agent toldme they wereonly looking formajor defects,and my home isonly 6 years oldso I thoughteverythingwould be allright. No. Theinspector startedpicking on thingslike a windowblind that has abroken slat, asink stopperthat’s not in thesink and acracked floortile. There wereother things, butthese seemed tobe petty and notmajor defects.What should myresponse be?

A: Any responseor negotiations tothe buyer shouldcome from youragent. You have achoice to eitherignore the buyer’sdemands or tospend a few hun-dred dollars, makethe repairs and sellthe home. Somesales contracts Ihave read define amajor defect as anydefect that costsmore than $500 torepair or is a safetyhazard. Since thehome inspector is

not a party to thatcontract he maylist every item theydeem defectivewhether or not itcosts $2 or $2,000to repair.

I know of inspec-tors who report onminor defects suchas a knob missingfrom a gas logwhile others havemissed the factthat a wood deck’sposts were rotting,and the whole deckwas in danger offalling. Homeinspectors do notalways agree as towhat should bereported, andmajor items can bemissed or ignored.It all depends onthe inspector’s edu-cation, training,experiences andexpertise. That iswhy it is so impor-tant for the buyersto research whichhome inspectorthey want to hire.

The buyer shouldconsider inspectorswho are licensed(where required)and who areinsured. Look forexperience in thenumber of inspec-tions completed,any affiliationswith nationally rec-ognized homeinspector organiza-tions, and checkwith the BetterBusiness Bureaufor informationconcerning theinspection compa-ny.

If the inspectorsays an item is

defective, he shouldalso be able toexplain why it isdefective and howit is to be repaired.According to theCode of Ethics ofthe AmericanSociety of HomeInspectors, theinspector is toreport:

1. Those systemsand componentsinspected that, inthe professionaljudgment of theinspector, are notfunctioning proper-ly, are significantlydeficient, unsafe orare near the end oftheir service lives;

2.Recommendationsto correct, or moni-tor for future cor-rection, the defi-ciencies reportedand

3. Reasoning orexplanation as tothe nature of thedeficiencies report-ed that are not self-evident. A homeinspector is work-ing for the buyerand gets paidwhether or not thehome sale is com-pleted.

The inspectorshould reveal anyconflict of interestwith the buyers orsellers of the prop-erty. This is thelargest investmentmost people willever make, and itis important toattend the inspec-tion to learn how ahouse works andhow to maintainthe home.

Stillw

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ABOUT REAL ESTATE

By David W. Myers

Most counties inthe U.S. are begin-ning to send out theirproperty-tax bills.Homeowners canfight them if thetaxes are too much.

DEAR MR.MYERS: We justreceived our annu-al property-taxbill, and the coun-ty assessor hasappraised ourhome at about$50,000 or even$75,000 more thanit is worth. How dowe go about filingan appeal?

ANSWER: Theappeal process variesfrom one county tothe next, but mostassessors provideinformation about itwith the bill itself. Ifthe tax bill youreceived didn’tinclude such info, youshould start by call-ing your local asses-sor or tax collector tosee how appeals arehandled in your par-ticular area.

In most counties,the process startswith an informal con-ference between thehomeowner and arepresentative of theassessor’s office. Atthis point, it’s theassessor’s job todefend his or herassessment of yourproperty’s value, andit’s your job to politelyprovide evidence thathe or she is wrong.

It’s important tokeep your cool at thisinitial meeting;screaming about stu-pid bureaucrats, gov-ernment financialwaste or outrageoustax rates won’t get

you anywhere. If any-thing, the assessor’srepresentative willget defensive andbecome even moreunwilling to acceptyour argument andlower your bill.

Instead, enter themeeting with a politebut businesslikedemeanor and amanila file or brief-case containing theevidence you believewill support yourrequest for a reduc-tion.

The most persua-sive evidenceincludes a report by areal estate agent orappraiser indicatingthat the assessor’sestimated value ofthe home is too high,supported by a list ofrecent sales prices ofsimilar homes inyour neighborhood.

More than half ofall property-tax dis-putes are settled atthe first meetingbetween the home-owner and the asses-sor. If you’re nothappy with theresults, you can file anew appeal with thelocal appeals board orpossibly even sue theassessor in court.

By the way, inmost counties acrossthe U.S., the firstinstallment of proper-ty taxes is due onNov. 1 and is consid-ered delinquent Dec.10. The second (andfinal) payment is dueFeb. 1 and becomesdelinquent on April10.

A good way toremember thosedates is to thinkabout the first letterof each of thosemonths and memo-

rize this phrase:When it comes topaying propertytaxes, there’s “NoDarn FoolingAround.”

* * *DEAR MR.

MYERS: I watch alot of TV showsthat are based inNew York City, andthey often refer toan area called“Hell’s Kitchen.”Where is it? Howdid it get its name?

ANSWER: Hell’sKitchen is a neigh-borhood inManhattan. It’s closeto the theaters onBroadway and homeof the famed Actor’sStudio, where cur-rent screen starsranging from JaneFonda to Al Pacinofirst honed theirskills.

Few historiansagree on how this up-and-coming area gotsuch an uncomelynickname. Some sayit’s from immigrantswho began streaminginto our country inthe late 1800s, withone group “fightinglike hell” againstanother. Others traceit all the way back to1835, when frontiers-man Davy Crockettvoyaged to the areaand later wrote thatmany of the peoplethere were so rowdythat they were“worse than savages;they are too mean toswab hell’s kitchen.”

Still, the mostplausible explanationof the area’s mali-cious moniker isbased on the story of“Dutch Fred theCop.” A veteran offi-cer, Fred and a rook-

ie officer couldn’t getenough help as theyencountered a smallriot on West 39thStreet.

According to localhistorian MaryClark, the rookiesaid, “This place ishell itself.”

Fred quickly dis-agreed. “Hell’s a mildclimate,” he replied.“This is Hell’sKitchen.”

* * *DEAR MR.

MYERS: Myfiancee and Ibought a hometogether inAugust. We splitthe mortgage pay-ments, utilitiesand property-taxbill evenly. Can wefile a joint taxreturn (whichwould save usmoney) next year,even though wewon’t get marrieduntil next June?

ANSWER: Sorry,but no. You cannotfile jointly unless youare married by Dec.31, 2015.

Instead, the two ofyou will have to fileseparately. But eachof you can claim 50percent of the totalamount of interestthat will be paid onthe mortgage thisyear, as well as 50percent of the proper-ty-tax payments.

Don’t forget to alsodeduct your and yourbetrothed’s individ-ual share of the clos-ing costs that the twoof you paid.

Because of yoursituation, it might beworthwhile for thetwo of you to visit anaccountant, enrolledagent or similar tax

10S

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5

University Estates1916 State Lane Duplex available.

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Homes

PUBLISHER’S NOTICE:All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or dis-crimination because of race, color, religion, sex, handi-cap, familial status or national origin, or intention to make any such preference, limitation or discrimination.”

This newspaper will not know-ingly accept any advertising for real estate which is in violation of the law. All persons are here-by informed that all dwellings advertised are available on an equal opportunity basis.

Homes

Real Estate Sales

Classifi edsWe accept:

View classifi eds online at: www.stwnewspress.comCall Gracie or Heather at Ext. 240 or 241

Or e-mail at classifi [email protected]

Place a Classifi edCall: 405-372-5000or Send a Fax: 405-372-3112Hours are 8:00 am - 5:00 pm Monday - Friday

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By Debbie ArringtonThe Sacramento Bee

Want a lesson inwater-wise garden-ing? Try a sage.

Not just anysalvia, althoughmany members ofthis large anddiverse plant familyare quite at homewith limited irriga-tion. Traditionalculinary sage –Salvia officinalis –can prove to be anexceptional gaugefor the low-watergarden.

And it comes witha bonus: This herbsmells and tastesgood.

“They’re wonder-ful teachers, espe-cially when you’readjusting to a water-wise garden,” saidRose Loveall-Sale,owner ofMorningsun HerbFarm in Vacaville,Calif. “They teachyou patience anddiscipline.”

Mediterraneanherbs – such assage, thyme, rose-mary and lavender –have become popu-lar additions toCalifornia gardensof all kinds. Andthey offer multiplebenefits.

“Herbs do morethan look pretty,”said Loveall-Sale,who grows morethan 2,000 varietiesat her nursery.“They’re multiple-faceted culinary andmedicinal plantsthat add color andtexture _ and beauty– to our gardens.”

But they also

come with a learn-ing curve. For exam-ple, if you overwaterone of those tem-peramental but deli-cious sages, they die.

"They won’t standit,” Loveall-Salesaid. “They turn uptheir little toes andjust keel over. It’sroot rot and it can besudden and ugly. Iknow; I’ve killedplenty of them.”

Culinary sagesusually die of kind-ness. The initialstages of root rotmake the plantdroop and appearwilted.

“What’s your firstreaction? You givethat plant a drink,”she said. “That justmakes it worse.”

Learning plantpreferences is part ofthe challenge of anynew kind of garden-ing; low-water land-scapes are no excep-tion.

Too much water –the amount deliv-ered by two- orthree-times-a-weekschedules that seem“normal” – can befatal for drought-tol-erant plants. Or itcan turn them intogarden thugs thatquickly overgrowtheir bounds.

Loveall-Sale rec-ommends Purpureaand Berggartenculinary sages forthe Sacramentoarea. They canstand the summerheat as well as win-ter chill. They formlow-growing woodyperennials that lookhandsome in thelow-water garden.

They grow bestpaired with otherplants with thesame water require-ments; don’t mixthem in with squashor basil such as in asummer vegetablegarden.

These culinarysages demand well-drained soil – mak-ing them a challengein local clay soils,too.

The answer?Plant them onmounded soil – likeatop a little hill – toencourage gooddrainage and happyroots, Loveall-Salerecommends. Thenonce the sage getsestablished (usuallyits first full year inthe ground), deep-water these perenni-al herbs once everythree or four weeks.

Keep sage highand dry, and thoseroots will stayhappy, she said.

During that“establishment”period, irrigationcan be a little tricky.Too much, and theplant can developrot. Too little, and itbecomes dehydrated.In sage, both condi-tions look similar.Before watering, feel

the soil. If it’s stillmoist, then youknow what yoursage is trying to tellyou – too much!

Loveall-Sale’sadvice: Start withweekly irrigation,then adjust.

Fall is the besttime of year to addthese flavorful andoften fragrantfavorites, Loveall-Sale said.

In the case oflavender, it leads tospring flowers.Native to theMediterranean, fra-grant lavender hasbecome a mainstayof low-water land-scapes.

“Lavender plantedin fall is the secretto success,” she said.“Most people planttheir lavender in thespring when it’salready in bloom;that’s when theysee it in nurseries.But planted inspring, it doesn’thave a chance toreally get its rootsdown and growing.By summer, they’rejust like the rest ofus – trying to sur-vive the heat. Theydon’t produce flow-ers.

"When you plant

lavender in the fall,its roots growstrong. They haveall winter to devel-op. In spring, youhave beautifulblooms. If you pruneit hard after bloom-ing – about 30 per-cent of each stem –it grows more flow-ers in fall.”

If you plan to eatthose flowers,choose Englishlavender varietiessuch as HidcoteBlue or Folgate;they have a delicatesweetness. TheFrench and Spanishlavenders tend totaste soapy,although they canbe used in savoryHerbs de Provence.

“I love lavenderice cream,” Loveall-Sale said. “Can youtell?”

Thyme, anotherherb with manyvariations, hasbecome increasinglypopular as a low-water ground coveror lawn replace-ment. It’s a versatileculinary ingredientwith cute littleleaves, compact sizeand pleasant scents.

An evergreenperennial, thymecan thrive for a cou-ple of seasons, thensuddenly dry up anddie, leaving garden-ers perplexed.

It’s normal,Loveall-Saleexplained. Thymehas a limited lifes-pan, usually threeyears, then diesback to be replacedby its young andsucculent offspring.So if you seem tokill thyme, you’re

not alone. Like sage,thyme prefers life onthe dry side. Over-watering will hastenits demise.

Rosemary, anoth-er low-waterMediterranean sta-ple, can be excep-tionally long lived.In Italy, some woodyexamples have last-ed more than a cen-tury. Treat it likesage, and it will behappy, and so willthe bees who love itsblue flowers.

All these herbs dobest planted now,she added, especial-ly in ourMediterranean cli-mate.

“Nurseries do 90percent of theirsales in the spring,”she said, “but fall isfor planting.

Stillw

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Dennis Cyr CRS/GRI

Realtor Assoc. 405.714.1799

Jerika Rosenquist Realtor Assoc. 405. 338.5521

520 S Knoblock St. ♦ (405)372-8326 (TEAM) www.TeamS�llwater.com

Delphine Heppel Broker Assoc. 405.612.1256

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Connie Stokes GRI

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Mary Davenport CRS/GRI

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Mike Lauvetz CRS/GRI

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A sage lesson in saving water

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McMurtry Rd. Burris Rd.

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51 5151

Chateau Dr.

Peaceable Acres Rd.

Chate

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Richmond Rd. Richmond Rd.

Burris Rd.

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Amethyst Ave.

Quar

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Tower Park Dr.

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Marie D

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Greenbriar Cr.

Greenv

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Greenvale Ct.

Parkview Cr.

Brookside Ct.

Davis

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Rogers Dr.

Willia

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Classen Ct.

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Richmond Hill Ct.Northgate Dr. Benjamin

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Lakehurst Dr.

Glenwood Dr. Glenwood Ct.

Keller Dr.

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Osage

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Newman Av.

Hillcrest Av.Brown Av.

Shore Dr.

Lake

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Parkway Dr.Thomas Av.

Frances Av.

Lakeridge Av.

Osage Dr.

Linco

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Tobacco Rd.

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State St.

Lakeview Rd.

Lakeview Rd.

Eastland Dr.

Marcus Dr.

Wiley St.

Memory Ln.

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Hollow Dr.

BrookeMoore

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Eskridge Pl.

Eskridge Av.

Duck

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Eskridge Av.W

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Dells Av.

Wildwood Dr.

Chiquita Ct.

Wildwood Ct.

Pecan Dr.

Redbud Dr.

Georgia Av.

Brentwood Dr.

Randolph Ct.

Eskridge Av.

Main

St.

Hartman Av.Windrock

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illis S

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Ridg

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Willham Dr.

McDo

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McFa

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St.

Garfield St.

McElroy Rd.

Oak Crest Rd.

Oak Crest Ct.

Farm Av.

Hall of Fame Av. Hall of Fame Av.Cl

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Heste

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Knob

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Knotts Av.

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t.Be

njami

n St.

Burd

ick S

t.

Berry

St.

Arrin

gton S

t.

Maple Av.

Arrington Dr.

Marsh

all S

t.Do

ty St

.

5th Av.

4th Av.

4th Av.

Drur

y Ln.

5th Av.

4th Av.

Villa

Dr. 4th Av.

3rd Av.

2nd Av.

4th Av.

3rd Av.

Colby

Lanc

eMo

cking

bird L

n.

Eastg

ate S

t.

Raintree Av.Peach Tree Av.Stonegate Av.

Collin

s Ct.

Pinewood Cr.

Oakwood Dr.

Denv

er S

t.

High

tower

St.

7th Av.

Cres

twoo

d Cr.

12th Av.

Stall

ard S

t.

7th Av.

Lydia Ln.

Payn

e St.

17th Av.

9th Av.

7th Av.

8th Av.

Jame

s Ct.

Burd

ick S

t.

Hall S

t.

Leigh

St.

8th Av.

5th Av.

Jame

s Ct.

Hartf

ord S

t.

Payn

e St.

Alcott Dr. Rans

om D

r.

16th Av.

19th Av.

17th Av.

15th Av.

14th Av.

16th Av.

18th Av.

13th Pl.

19th Av.

13th Av.

12th Av.

11th Av.

10th Av.9th Av.

8th Av.

7th Av.

5th Av.

4th Av.

3rd Av.

Maple Av.

Elm Av. Elmwood Cr.

Dunc

an S

t.

Husb

and S

t.

Masin

St.

Lewi

s St. Lowr

y St.

Dunc

an S

t.

Husb

and S

t.

Main

St.

Lewi

s St. Lowr

y St.

Husb

and P

l.

Wes

t Bl.

Wes

t St.

Wes

t St.

Knob

lock S

t.

Heste

r St.

Heste

r St.

Knob

lock S

t.

Rams

ey S

t.Ra

msey

St.

Was

hingto

n St.

Was

hingto

n St.

Dunc

an S

t.

Jeffe

rson S

t.

Adam

s St.

Monr

oe S

t.Mo

nroe

St.

Monr

oe S

t.

Bellis

St.

Knob

lock S

t.

Heste

r St.

Athletic Av.

Morrill Av.

Miller Av.

Mathews Av.

Hoke

St.

Virginia Av.

Wehr Ln..

Wes

t St.

Cantwell Av.

Connell Av.

Scott Av.Scott Av. Scott Av.

Connell Av.

Cantwell Av.

Linco

ln St

.

Lincoln St. Tyler Av.

Jeffe

rson S

t.Mo

nroe

St.

Scott Av.

Jefferson St.

Farm Av.

Drummond Av.

University Av.University Av.

Wes

tern R

d.

Ridg

e Dr.

Virgina Av. Miller Av.Admiral Av.

Sherwood Av.

Arrowhead Av.

Sunset Av.

3rd Av.

4th Av.4th Av.

5th Av. 5th Av. 5th Av. 5th Av.

McFa

rland

St.

Willi

s St.

King

s St.

King

s St.

King

s St.

McFa

rland

St.

McDo

nald

St.

Orch

ard S

t.

Waln

ut St

.

Pine

St.

Gray

St.

Stan

ley S

t.

Willi

s St.

11th Pl. 12th Av.13th Av.14th Av.

10th Av.

9th Av.

8th Av.

Wick

low S

t.W

icklow

St.

Devo

n St.

Devo

n St.

Wes

tern R

d.

Orch

ard S

t.

Waln

ut St

.Pi

ne S

t.Gr

ay S

t.St

anley

St.Clev

eland

St.

Wentz Ln.University Cr.

Garfie

ld St

.Bl

akely

St.

7th Av.7th Av.

Ridg

e Dr.

Ridg

e Dr.

Ridge

Dr.

Willi

s St.

Redw

ood S

t.Me

lrose

Dr.Arrowhead Pl.

Monticello Dr.Olive Ln.

Kerr

St.

Clev

eland

St.

22nd Av.

19th Av.

Augu

st Dr

.Au

gust

Dr.21st Ct.

20th Av.

18th Ct.18th Av.

17th Av.

15th Av.

Surre

y Dr.

Surrey Pl.

Celia

Ln.

Loma Verde Ln.Elvin Dr.

Coun

trysid

e Dr.

Lege

ndar

y Ln.

25th Av.

24th Av.

Copperfield St.

Bristol Rd. Av.

Willow Park Cr.

Willow Park Ln.

Woodstone Dr.

Persimmon St.

Scissortail Dr.

Murphy Dr.Eunice St.

22nd Av.23rd Av. 22nd Av.

23rd Av.

24th Av.24th Av. W

illis S

t.

Silve

rdale

Blue

stone

St.

Waln

ut St

.

26th Av.

Blac

k Oak

Dr.

Blac

k Oak

Dr.

29th Ct.30th Av.

31st Av.

Saddle Rock Ln.Saddle Rock Ln.

Shinnery Ct.

Pion

eer S

t.Qu

ail R

idge D

r.

QuailRidge Ct.

28th Av.Mar Vista St.

August Dr.

28th

Ct.

Oxfor

d Dr.

Camb

ridge

Dr.

Cambridge Ct.

Murra

y Ct.

Yellowbrick Dr.

Fox L

edge

Dr.

Tang

lewoo

d Cr.

Tanglewood Dr.

32nd Av.

19th Av.

Lowr

y St.

Ches

ter S

t.

Ches

ter S

t.

18th Pl. Fern

St.

Fern

St.

Hartf

ord S

t.

Sprin

gfield

St.

Penn

sylva

nia S

t.

Aetna

St.

21st Av.

22nd Av.

24th Av.

26th Av.

Husb

and S

t.

Knob

lock S

t.

30th Av.

29th Av.

31st Av.32nd Av.

Wes

t St.

Main

St.

Boomer Rd.

Main

St.

Lewi

s St.

33rd Av.

35th Av.

37th Av.37th Av.

36th Av.

35th Av.

Fern

St.

Lowr

y St.

Lowr

y St. 34th Av.

44th Av.44th Av.

Timberline Dr.

Pion

eer S

t.

Perki

ns R

d.Pe

rkins

Rd.

Perki

ns R

d.

Jard

ot Rd

.

Husb

and S

t.

Was

hingto

n St.

Wes

tern R

d.

Sang

re R

d.Sa

ngre

Rd.

Eagle

Sum

mit

44th Av.

Hunte

rs Cr

.

Deer

field

Dr.

Wild

Turke

y Pas

s

Cottontail Ln.

Vista Ln.

15th Av.

18th Ct.Shalamar D

r.

Yorkshire Dr.

Westbrook D

r.

Westbrook Ct.15th Av.

Dubli

n Dr.

Berks

hire D

r.

18th Av.

Davin

broo

k Ln.

Ceda

r Ridg

e Ct.

Bould

er Cr

eek

Mans

field

St.

Willow Ct.

Hickory Ct.

Country Club Dr.

Fairfi

eld D

r.

Willi

amsfi

eld

Richfield Ct.

14th Av.Oakfield Ct.

Shum

ard C

t.Sh

umar

d Dr.

8th Av.

Oak S

t. W.

16th Av.

18th Av.

Wes

tridge

St.

Hills

ide C

t.

Hills

ide S

t.

Fairfi

eld D

r.

Country Club Dr.

Garden Pointe

Spring Hill

9th Av.8th Av.

Murp

hy S

t.

Basin

Ridg

e Dr.

Oak R

idge D

r.

7th Av.7th Av.

Trenton Ct.

Wes

twoo

d Ln.W

estw

ood D

r.

Oak Ridge Dr.Fairway Dr.

Woodland Dr.

Woodland Ct.

Crestview Av.

Crestview Ct.

Country Club Ct.

11th Av.

11th

Ct.

Woodc

rest D

r.

Sprin

gdale

Dr.

10th Av.

Blue R

idge D

r.

Edge

moor

Dr.

Walk

ing Tr

ail D

r.

Oak T

rail D

r.

Summer Hill Ct. Shadow Creek Ln.

Billingslea Ct.

Ja Linda Lou Ct.LoperLn.

Deer Run Ct.

Cowboy Ct.

Iba D

r.

GermaineCt.

Highland Ct.

32nd Av.

1st Av.

Abbe

y Ln.

Windsor Cr.

Wind

sor D

r.

Wind

sor D

r.

2nd Av.

2nd C

t.Ke

ats D

r.

3rd Av.3rd Pl.

4th Av.

Char

les D

r.

5th Pl.

5th Av.

Oakdale

Frontage Road

Squir

es S

t.

Pion

eer S

t.

Coun

try C

lub R

d.Co

untry

Club

Rd.

Vena Ln.

Windmill Ln.Windmill D

r.

Lakeview Rd.

Rang

e Rd.

Rang

e Rd.

Grey

stone

St.

Ston

eridg

e Dr.

Ston

eybr

ook S

t.8th Ct.9th Ct.

8th Av.

Pecan Trail Ct.

Pecan Lake Av.

TrentonAv.

Cros

swind

s

VillasCt.

Woodri

dge V

illage

Rd.

Devonshire

Canterbury

AshburyWoodlake Dr.

Chapel Hill

Briar CliffCoventry

CharringCross

Austi

n Ct.

Lynd

sey C

t.

Deer Creek Ct.

Fox Ledge Ct.

Fox Ledge Ln.

Vista

Ct.

21st Av.

Teal

St.

25th Av.

Knob

lock S

t.

Fox Ledge Dr.Deer Crossing Dr.

Pecan Hill St.

Hidden Oaks

Sang

re R

d.

Valle

y View

War

ren D

rive

Char

olais

Dr.

Hereford

Valle

y Dr.

Lisa Ct. Lori Ct.

Mark

Circl

e

Dobi Ln.

Shiloh Creek

Old Forest

Cypress MillSava

nnah

Culpe

pper

Charleston

Woodland Trails Dr.

Eagle CreekAve.

PheasantRidge Ave.

Fountain View Ct.

Foun

tain V

iew D

r.

Forest Trail Ct.

Lauren Lane

Emma

Marin

e Rd.

Hanson

Sunnybrook

Ct.

Wedgewood

Summ

erlin

Ct.

Bridl

ewoo

d

Mesa Cr.

Whitney Ct.

Katy

Camden

Ashton Ave.

• All Open Houses are Sunday unless otherwise indicated. • Open Houses may be cancelled in case of inclement weather.

If you have questions, please call the hosting REALTOR®.

☞

rtrtrttrrrr .McMurrrrrMapMapWeek of Sunday, October 25, 2015

Real Estate Professionals1. 3115 W. 24th 1-2:30................................. Tiffany

Coldwell Banker Team Stillwater2. 2116 Crestwood Dr 2-4 ........................ Connie3. 1111 Pecan Hill Ct 2-4 .................................Nick

RE/MAX Signature4. 2110 W. 3rd Ave 2-4 .................................... Beth5. 709 Greystone St 2-4 ...............................Cheryl6. 1919 S. Walking Trail 2-4 .........................Candy7. 917 S. Springdale Dr 2-4 ..............................Colt

Century 21 Global Realtors8. 5021 Stonecrest 12-2 ............................... Alane9. 223 Old Hwy 51 2-4 ................ Rosetta/Sharyl Directions: Hwy. 51 & Old Hwy. 51 intersection. Follow the signs.

New West Real Estate10. 123 S. Keats 1-3 ................................... Tommie

One Broker Place11. 1002 S. Western 1-3 ................................ Jason

Fisher Provence12. 2205 W. 4th 1-3 ........................................Susan13. 1618 Chiquita Ct 1-3 ................................Page

FSBO14. 1800 N. Husband #204 & 502 1-4 .......FSBO

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Real Estate Weekly 10 23 15

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Transcript of Real Estate Weekly 10 23 15