MARION LAKE SUMTER COUNTIES, FL

Volume 17, Issue 3

Get more photos and details from your phone. Text P875922 to 85377

COVER HOME: PANORAMIC VIEWS Home on 1.81 acres with Lake George access

& boathouse. Property details on page 6.

Listing Agent: Cindy TitusFoxfire Realty239-370-0162

TO ADVERTISE, CONTACT: Gil Pierson 800-785-6100mlsrealestatebook@aol.com

your phone.

RealEstateBook.comRequest FREE MAGAZINES online, or call 800-841-3401

88220.17.3 cover.indd 1 1/13/2016 4:51:10 PM

...READY FOR FARMING & LIVESTOCKTotal on tax roll = 16.93 acres. Selling on 15 acres. MH on SEinside fence area may be for sale separately. Next to OrangeBlossom Park. Ready for development or place livestock oncurrently zoned Commercial Ag. Hay sales. $325,000

For more information, Text P884824 to 85377

16570 S. Hwy 441, Summerfield

READY FOR DEVELOPMENT...

Questions?Call Gil @

915-415--1800

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Page 4

Kathi HillREALTOR®

352-409-0992

www.KathiSellsFL.comKathisells@comcast.net

Each office independently owned and operated.

CONSIDER THIS SPECIAL 3 BR 2 BA 2004DWMH on its own land. Well maintained withmany upgrades. Large kitchen with new appli-ances, formal living room/great room, spaciousfamily room with stunning stone fireplace.Master suite has garden tub and double sinks.Abundant gravel parking area. Lovely yardw/mature oaks; convenient location to shopping,medical, schools + entertainment. $49,995

LOCATION, LOCATION

AMAZING LIFESTYLE AWAITS Beautiful homesits on 1.38 acres. 3 BR 3 BA w/300’+ frontageon canal to Lk Griffin. Thousands of trees on thisprivate 26 acre private island. Minutes from golf,shopping, entertainment, dining, medical, etc.Open style home w/lots of windows. Groundfloor w/ efficiency apt, game rm + garage. Mainliving quarters on 2nd & 3rd floors. Wrap aroundscreen porches. Det 3 car garage. $299,000

CHAIN OF LAKES WATERFRONT RETREATISLAND LIVING OFF PICCIOLA 3 BR 2 BAwell-maintained home with many upgrades.Comfortable home for enjoying the Floridalifestyle. Open layout w/ bay window in LR, eat-in-kitchen and lovely screen lanai overlookingthe tranquil waterfront lagoon onto the HarrisChain of Lakes. Enjoy your beautiful home withbonus of lazy days bird/nature watching, boatingand fishing from your dock. $188,000

LAKE GRIFFIN WATERFRONTCLASSIC COUNTRY HOME WITH JUST THERIGHT UPGRADES! Minutes from TheVillages... miles from the crowds. You’ll love theFlorida porch and the amazing oaks. Light andbright Country kitchen, DR, LR, FLA RM, 4 BR 2BA + detached 2 car garage on 1.5+ acres. AGzoning. Economy living w/well and septic savingon your utility bills! Must see to believe it’s allhere and move in ready! $148,000

CLOSE-IN COUNTRY LIFESTYLE

YOU MUST VISIT this 3 BR 2 BA Lady LakeCharmer! Pride of ownership is evident in Thismove-in ready home. Large, eat in Kitchenw/lovely bay window providing 365 BreathtakingCentral Florida sunsets per Year; sliders ontobeautifully landscaped Private courtyard. LGback yard w/detached Workshop. Minutes fromgolf, medical, shopping, etc. Enjoy the peacefulcountry lifestyle that awaits you. $118,500

GRAYS AIRPORT RD

For all your Real Estate needs ~ KATHI $ELLS

Call my $ELL PHONE 352-409-0992 Call my $ELL PHONE 352-409-0992

Call my $ELL PHONE 352-409-0992Call my $ELL PHONE 352-409-0992Call my $ELL PHONE 352-409-0992

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Page 5

Phone: 352-728-2121Toll Free: 800-618-2121website: www.johncthomas.com

Each office independently owned and operated. John C. Thomas Realty, Inc3235-B U.S. Hwy 27/441Fruitland Park, Fl 34731Text Code to 85377 for More Property Information.

SUMMERFIELD:Contemporary 3/2,new flooring, freshpaint, newer appli-ances, recessedlighting in MBR, 2-car garage. Greatlocation. $132,300.PAULA BROWN352-516-2275

P37215

5

GREAT HOME ~OPEN & BRIGHT3Br/2Ba, LivingRoom, DiningRoom, FamilyRoom, open plan.Jetted tub in MasterBath, largescreened porch.$159,900. TED TRAWICK352-322-9329

VERY NICE2BR/2BA Mfd homein 55+ communityin Wildwood. NoHOA. Nice openlayout, oversizedlot. NearBrownwood/Villages. $59,900.PAULA BROWN352-516-2275

AWESOMECommercial site by“The Villages.”Three contiguousparcels, 1.5+/- Ac,1-block from inter-section of 27/441 &CR466. Rezoningto Heavy Com’lpossible. JOHN THOMAS352-728-2121

COMMERCIALBUILDING:Great Leesburglocation. Generalcommercial or med-ical. Large lobbyarea, breakroom, 2bathrooms, over1/2 acre. $139,900. PAULA BROWN 352-516-2275

NEWLY REMODELED 3BR/2.5BA lakefront block home on 6.5 +/-acres in Fruitland Park. New roof, floors, baths, kitchen and more!Zoned for horses. JOHN THOMAS 352-728-2121

AWESOME LOCATION!Across from new “VILLAGES” growthin Fruitland Park.Current MH is 2/2plus 1/1 in-law apt.Or re-zone toComm’l for multipleuses. $150,000JOHN THOMAS352-728-2121

OFFICE SPACE FOR LEASE: US Hwy 27/441, close to “Villages.”Ideally suited to medical but good for any professional office. Newlyremodeled. Just $11.00/SF. JOHN THOMAS 352-728-2121

CUTE, IN TOWN,ADORABLEClose to everything.New in 2007: roof,plumbing, A/C &appliances. Siding,tinted windows.Fenced on 3 sides.$74,700. PAULA BROWN352-516-2275

NICE, VINTAGECorner property inFruitland Park.Street is well trav-eled, ideal site forsmall business.Zoned C-1. Lots ofpossibilities!$45,000. JOHN THOMAS352-728-2121

T11101

86

P51453

8

P29392

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P11272

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To advertise in this book call 800.785.6100 or TEXT GIL to 85377Gil Pierson, Publisher.

88220.17 lsm.indd 10 12/17/2015 9:07:16 AM

Cindy Titus(239) 370-0162iamctitus@aol.com

On The Cover

1.81 ACRES WITH A PANORAMIC VIEW 3BR/3BA 4539 SF w/ access to St Johns River, situated inOcala National Forest. Boathouse with deck and cabana, two boat lifts minutes to Silver Glenn and FreshWater Springs. Great fishing, and all around water sports. Inside cherry wood floors, 10’ceilings, 2 fire-places, tongue & groove workmanship. Split plan with upstairs master suite & bath with jetted tub and walkin shower, sitting room & office area view to the lake and also overlooks the great room below. Downstairs:kitchen with granite counter tops, island. Motivated seller! A must see property. $469,000

For more photos & information, Text P875922 to 85377

LAKEVIEW LODGE HOME ON BEAUTIFUL LAKE GEORGE

Page 7

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LEESBURG(352) 504-0028ERAGrizzard.com

Offices: Clermont, Leesburg, Mount Dora, The Villages, Tavares

Text T-Code to 85377 for More Property Information

WINTER COTTAGE OR YEAR-ROUND Two adjoining, like size lots, fenced and gated. w/ well & septic. 2 BR/1 BA, 648 SF manufactured home on one lot. Includes both lots, furniture, furnishings, tools and equipment. G4821279 $45,000 Ask for Tom Prickett or Buddy Lewis

TURN-K

EY

Two adjoining, like size lots, P545433

LAKE HARRIS AT JOHNSONS POINT Remodeled 4 bd, 4 baw/ nearly 3000 sf living area + 23x26 garage, beautiful shady oak and cypress trees, covered boat slip with a lift and magnetic water view. You need to come see this. G4821376 $390,000 Ask for Page Whittle

Remodeled 4 bd, 4 baw/ nearly P548442

LAKE F

RONT

FENCED

P549737 P545428

STARTER/RETIREMENT HOME Deeded Lake Harris access. Large living, dining & Florida rms, Spacious bedrooms & outside storage/utility rm. All this on over a third of an acre lot with a fenced back yard. Home warranty included. G4821474 $95,000 Ask for Carl Martin

SO MUCH POTENTIAL! Great rental or starter home. 4 bd, 2 ba, spa-cious kitchen, dining & living rm, + office area. Brand new HVAC & new carpet in bedrooms. Great back yard for entertaining on a hot summer day. Great property! G4821147 $89,900 Ask for Lindsay Sellars

GREAT H

OME

P549738

HARBOR HILLS

P548441GREAT HOME FOR ENTERTAINING! Enjoy the view of the lake from the multiple French doors or from the screened-in lanai complete with a 6-foot outdoor fireplace. Vaulted ceilings, beautiful tile work throughout & large kitchen. G4821367 $180,000 Ask for Deborah Kirschenberg

BLUE TOP VILLA in Sunrise Cove Move-in ready with NO mainte-nance! Located on corner lot w/ beautiful views of the area, large win-dows & Florida rm, open courtyard off the master, 12’ ceilings through-out & golf cart parking. G4821448 $274,900 Ask for Kristen Myer

LAKE F

RONT

Text the P-Code to 85377 for More Property Information

LAKE E

USTIS

P221093

CANAL FRONT HOME 2 minute boat ride to Lake Eustis! Completely updated & move-in ready. Beautiful new kitchen with SS appliances & lg island/bar. Beautiful bamboo flooring, crown molding, wood burning fireplace. G4821032 $205,900 Ask for Kristen Myer

BUILD HER

E

P545430

FRUITLAND PARK Lot for sale.Conveniently located to The Villages, Fruitland Park, and Leesburg. Minutes from 441/27. Investors looking for a prime rental location or a great place to bring your mobile home. Utility present. Septic on site. G4821090 $16,500 Ask for Page Whittle

88220.17.3 ERA lb.indd 8 1/13/2016 4:50:53 PM

Whether you’re looking to make a first-time purchase, refresh

an existing home, or simply leverage built-up equity for other

reasons, it’s important to figure out which path is right for

you and understand the lending options available.

F

irst-time buyers must start with

determining what is affordable. In addition

to the mortgage payment, housing costs will

include property taxes and homeowners

insurance and fees, such as homeowner

association dues. Altogether, costs should be

no more than 28 percent of monthly gross

income and should leave room to continue

servicing other debt, such as student loans,

credit cards, or auto loans.

When preparing to buy a home, work

through credit pre-approval to be ready with

a strong offer when the opportunity arises.

In addition to reviewing credit history, a loan

originator will consider the amount of the

down payment. A down payment typically

ranges from 3-20 percent. A down payment

that is less than 20 percent may require you

to purchase mortgage insurance. A mortgage

originator, however, can provide a variety of

lending options to optimize your investment,

from 15- and 30-year mortgages to fixed and

variable terms.

If planning to make some improvements to a

much-loved residence, consider financing the

updates through a home equity line of credit

(HELOC). Eligibility depends on how much

equity has been built up in the home and the

lender’s loan-to-value ratio. A HELOC works

much like a credit card and offers flexibility.

A minimum amount is paid monthly, and

interest applies to the amount borrowed.

Before embarking on a remodeling project,

do some homework. Start with the lender to

determine the value of the home and the loan

amount available. Then, establish a budget

that leaves room for unexpected expenses.

Work with a reputable professional to define

the project and its requirements, and shop

around for bids and recommendations to

confidently select a contractor. Some lenders

offer checklists to help get the most from the

investment.

Remember to consult a professional for advice

applicable to your specific situation. Begin

with a lender who can help you identify

financial options available to homebuyers

and owners today. With careful planning and

budgeting, the financing you need may be

well within reach.

WHICH LENDING OPTION IS RIGHT FOR YOU?

Who says you have to suffer through the whole winter season? You can easily take advantage of beautiful destinations while staying on a budget. Say goodbye to that cold and dreary winter vacation and spend it someplace better. Bring the whole family, too!

If you’re not sure where to start, don’t worry. Whether it’s snow skiing or sun bathing on the beach that you’re after, The Real Estate Book has come up with a helpful list of vacation spots, where you can effortlessly cure your wintertime blues. Visit RealEstateBook.com to browse even more properties!

6

Ski Spots

Silverthorne, COBeautifully situated in the Colorado Rocky Mountains, Silverthorne offers both visitors and residents breathtaking scenery you won’t find anywhere else. There is always something to do in Silverthorne. And if you like skiing, well, let’s just say you’re in for a treat. You’ll have easy access to four world-class ski resorts just within the Summit County limits.

Mammoth Lakes, CAThe lovely town of Mammoth Lakes is surrounded by two million acres of Inyo National Forest, where you’ll also have access to the Mammoth Lakes Trail System, which features more than 300 miles of trails. Additionally, there are countless mountain resorts where you can ski to your heart’s content!

Beach Spots

Honolulu, HILocated on Oahu’s south shore, enjoy your winter vacation in Honolulu, Hawaii’s capital city. Soak up some rays on the beach or explore the Waikiki neighborhood’s dining, shopping, and awesome entertainment.

San Juan, PRPuerto Rico’s largest city and capital, San Juan, sits on the island’s Atlantic Coast. Spend your winter vacation on the most amazing beaches and entertaining attractions for the whole family.

West Palm Beach, FLEscape the cold during wintertime by renting a home in West Palm Beach, one of Florida’s best and most enjoyable destinations. You’ll never run out of things to do and may not want to leave when winter is over!

Corpus Christi, TXCome and stay for a while in Corpus Christi, a charming coastal city in the South Texas region. You’ll have convenient access to the best beaches, bay front promenade, and even cultural entertainment in the arts and museum district.

HOW LONG WILL YOUR HOUSEHOLD FIXTURES LAST?

Many maintenance projects for homeowners involve replacing an outdated appliance or fixture, but it can be difficult to discern when a household feature needs replacement. One way to determine how often you should replace items is by its typical lifespan.

Fortunately, a lot of household fixtures won’t need expensive replacements for some time. Garage doors, gas fireplaces and linoleum floors are expected to last 25 years. Whirlpool bathtubs and sink faucets can last up to 20 years. Gas ovens and garage door openers may last 18 years, given proper care.

Other common appliances and fixtures, however, wear out more quickly. Though washing machines are expected to last 15 years, dryers are expected to last 13. Refrigerators can last up to 13 years, as well.

Food Disposals, Water

Heaters (12 years)

Plasma Televisions (11 years)

Lawnmowers, Carpets

(10 years)

Microwaves, Dishwashers

(9 years)

Air Conditioners (Window

Unit), Mattresses (7 years)

Rugs (5 years)

Laptops (4 years)

Roomba, Keurig Coffee

Maker (2 years)

And the fixture that lasts

longest? Coming in at 45

years, your doorbell will

likely continue to operate

after you’ve moved on from

your current home.

THE NUMBERS GO DOWN FROM THERE:

Source: RISMedia’s Housecall

Source: ClosetMaid

Transform Small Spaces into Charming PlacesIn home listings across the country, the word small is often replaced with a far more marketable and appealing word: “charming.” But what makes a home charming compared to small? How does a homeowner transition a cramped room into a space with unique and appealing character?

Create special spaces and storageCarefully consider the functions of any space, such as TV viewing, reading, or computer use, so that only the items needed for those specific functions are stored there. Understanding how this space is utilized will make it easier to establish dedicated zones and supplies for each activity. Be sure to also create proper storage to manage and maintain a clutter-free home. Make it larger with lightingClearing a small home of its clutter will automatically make it seem larger. However, the illusion of more space can also be enhanced with proper lighting. The right lighting will also play a big role in helping create a more charming feel.

Recessed lighting is visually appealing and perfect for small spaces. You can also affect a room’s lighting with low-cost or no-cost solutions that make the most of the space’s built-in features. For example, highlight windows instead of covering them, or make the fireplace a focal point.

Add charming detailsWoodwork is another simple embellishment that adds instant character and charm without affecting usable space. A chair rail, crown molding, or even baseboards can help take a standard room and outline it with interesting architectural elements.

By managing clutter, using lighting to create bright and airy spaces and incorporating simple architectural elements, you can easily transform a cramped area into a charming and inviting room that you – or a potential buyer – can enjoy.

HOME SECURITY TIPS TO LIVE BYDid you know that every 15.4 seconds, a burglary occurs somewhere across the United States? If you’re a victim, your family may be left feeling vulnerable and violated. So can you protect your home and loved ones? Well, you should first understand some things about this crime.

WHEN & HOW DO BURGLARIES OCCUR?

The majority of home and apartment burglaries occur during the daytime when residents are away from their house, most likely when they’re at work or school. Home theft is most frequent in the months of July and August, and the fewest burglaries occur in February.

According to the FBI, 70 percent of home burglars use some amount of force to enter a residence, but their preference is through an open door or window. Also, you may be surprised to know that homes are not randomly selected. Burglars look for unoccupied homes with the easiest access, greatest amount of cover, and with the best escape routes.

Fortunately, there are ways you can minimize your risk to keep your family and belongings safe. Here’s how to make your home look unattractive to burglars.

Source: Crime Doctor

1. DOORS & LOCKSThe more difficult that your home is to break into, the less likely burglars will want to put forth the effort. The FBI recommends using high quality Grade-1 or Grade-2 locks on your exterior doors to resist twisting, prying, and lock-picking attempts. Consider implementing these additions in your home:

• Solid core or metal door for all entrances

• Quality, heavy duty, deadbolt lock with a one-inch throw bolt

• Quality, heavy duty, knob-in-lock set with a dead-latch mechanism

• Heavy duty, four-screw, strike plate with 3-inch screws to penetrate into a wooden door frame

• Wide-angle 160° peephole mounted no higher than 58 inches

2. WINDOWSIt is much more common to leave a window open or unlocked than a door. If the burglar sees a home from down the street that has an open window, they will commonly choose that home to burglarize.

• Secure all accessible windows with secondary blocking devices

• Block accessible windows open no more than 6 inches for ventilation

• Make sure you can’t reach through an open window and unlock the door

• Make sure you can’t reach inside the window and remove the blocking device

• Anti-lift devices to prevent window from being lifted out

• Crime prevention or alarm decals on ground or on windows that are within reach

3. LIGHTINGKeeping a couple interior lights on gives burglars the message that someone is home. If you don’t have one already, light timers are super inexpensive and easy to find. Use a light timer (even when you’re not on vacation) near the front and back windows behind closed curtains. You should also follow these rules:

• Exterior lighting should allow 100 feet of visibility

• Use good lighting along the pathway and at your door

• Use light timers or photo-cells to turn on/off lights automatically

• Use infrared motion sensor lights on the rear of single family homes

4. ALARM SYSTEMSIf used properly and consistently, alarm systems add a huge benefit to your home’s overall security. As a matter of fact, burglars will often give up on trying to break into a home if it has visible alarm signs in the lawn or decals on the window.

5. GET TO KNOW YOUR NEIGHBORSWhen it comes to the safety of your home, it’s important that you establish some sort of communication and trust with your neighbors. Good neighbors will watch out for your home when you’re away, and can let you or the police know about any suspicious activity going on. Remember to always keep safety first, communicate, and stay informed!

Source: ABA.com

Request a copy of your credit report–and make sure it is correct.

Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for other loans, such as a mortgage. Everyone is entitled to receive a free copy of his or her credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission’s website at www.AnnualCreditReport.com or call 1-877-322-8228. Note that you may have to pay for the numerical score itself.

Set up automatic bill pay.

Payment history makes up 32 percent of your VantageScore credit score and 35 percent of your FICO credit score. The more you pay your bills on time, the better your score. Avoid missed payments by setting as many of your bills as possible to automatic pay.

Keep balances low on credit cards and ‘revolving credit.’

Racking up big balances can hurt your scores, regardless of whether you pay

your bills in full each month. You often can increase your scores by limiting your charges to 30 percent or less of a card’s limit.

Apply for and open new credit accounts only as needed.

Keep this in mind the next time a retailer offers you 10 percent off if you open an account. If you need a new line of credit, don’t jump at the first appealing offer; compare rates and fees offered through mail solicitation, on the Internet or at your local bank.

Don’t close old paid-off accounts.

According to FICO, closing accounts can never help your score and can in fact damage it.

Talk to credit counselors if you’re in trouble.

Using legitimate, non-profit credit counseling can help you manage your debt and won’t hurt your credit score. For more information on debt management, contact the National Foundation for Consumer Credit by visiting www.NFCC.org.

6 GOOD CREDIT HABITS OF BUYERS AND RENTERS

Your credit score has a critical impact on your housing options, and healthy credit is essential to buying a home or renting one. “An important step to finding a home, whether you’re renting or buying, is ensuring that you have a good credit history,” says Frank Keating, president and CEO of the American Bankers Association (ABA). “A strong credit score can open doors to better homes and lower mortgage rates.”

To build a good credit history, the ABA recommends adopting these habits.

Page 9

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Page 13

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I Can Assist You In Purchasing Any Home Listed!Contact Me Today at (352) 798-0031!

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PALM CAY Beautifully maintained 2/2/2granite counter tops in kitchen, all appli-ances included. New roof 2014, new AC2012, new hot water heater 2015.Screened lanai overlooking privatebackyard. $76,499

Text P884823 to 85377

PALM CAY Wonderful 2/2/2 Split bed-rooms, living room + den under air. 4 yrold roof, 5 yr old AC, ceiling fansthroughout. $97,000

Text P884822 to 85377

Call Kathy Van to see a SOLD sign on your property!

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MOUNT DORA(352) 735-4433ERAGrizzard.com

Offices: Clermont, Leesburg, Mount Dora, The Villages, Tavares

Text T-Code to 85377 for More Property Information

READY AND WAITING Great neighborhood! This 3BR/2BA home needs a new family. Features include extended space in kitchen, breakfast room, formal dining/living room, spacious bedrooms & screen porch. Convenient location and less than 40 minutes to Orlando. $142,200! Ask for Ian Drummond. ML#G4821394

CUL-DE-S

AC

Great neighborhood! This 3BR/2BA home P220990

GOLF COURSE FRONTAGE Exquisite 3BR/2BA overlooking the 7th Green! Upscale home w/numerous updates, open plan, split bedrooms, custom designed kitchen, family room w/gas fireplace, formal living & dining, master suite w/private bath & spacious 30FT lanai. $257,000! Ask for Terri Gordon. ML#G4821311

HOME WARRANTY

Exquisite 3BR/2BA overlooking the 7th T122391

WATERFRONT HOME Beautiful renovations just completed inside & out w/gorgeous panoramic lake views. Kitchen w/breakfast nook, spacious FL room, master w/en-suite bath, dining/living room plus den, laundry room, new A/C and...oversize 2-car garage. $250,000! Ask for Jeanne Abernathy. ML#G4821135

SILVER B

EACH

AREA

Beautiful renovations just completed inside P311752

CROOKED LAKE RIDGE Spacious 3BR/2BA, kitchen w/breakfast room, living/dining combo, family room w/sliders lead to enclosed porch, master w/large walk-in closet & en-suite bath. Roof and A/C replaced 2005. Great outdoor space in backyard. $175,000! Ask for Mandy Bass. ML#G4821498

MATURE

LANDSCAPIN

G

Spacious 3BR/2BA, kitchen w/breakfast P290003

LOOKS LIKE NEW Barely lived in 3BR/2BA, kitchen w/breakfast bar & nook, living/dining area, double French doors lead to the Florida room w/vinyl windows, tile in wet area, bedrooms carpeted, spacious master w/bath. Great community w/amenities. $205,000! Ask for Tammy King. ML#G4819965

IMMACULA

TE

Barely lived in 3BR/2BA, kitchen w/breakfast bar & P508051

CHARMING HOME Well-maintained home features 2BR/2BA, lovely view of Lake Tavares, no carpet in home, good size den for endless possibilities, screen lanai & large fenced yard. Great central location in the heart of the Tri-City area. $93,500! Ask for Brittney Guadagnoli. ML#G4819917

NO HOA

Well-maintained home features 2BR/2BA, lovely P503690

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