2015 just listed! real estate magazine

View listings online anytime at www.ocala.com/justlisted

French Country Estate in Southeast Ocala This beautifully designed 3 bedroom/3 bath home sits on an acre in a highly desirable, convenient location. See listing on page 2.

A PUBLICATION OF OCALA STARBANNER AND OCALA.COM

Just Listed! Real Estate Magazine Showcasing Marion County’s Newest Home and Land Listings2

Own. Live. Ocala Splendor.

Ocala boasts some of the most magical, beautiful, exotic land with homes and estates fit for any style of life that luxurycan compliment — and Joan Pletcher has the key to finding the right property for you.

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Official Publication of the Ocala StarBanner & Ocala.com | MAY 2015 3


There is no perfect home, and things that are acceptable to the current owner may not be acceptable to the buyer who is

looking to become the next owner. The home-buying process is typically a careful cooperation between buyer and seller to find a middle ground. The buyer may have to make some concessions, as will the seller. Ultimately, it is this cooperation that often determines if the sale goes through or is terminated.

Before any negotiations can begin regarding repairs, it is advisable for a buyer to have an independent inspector come out and look over the home and property. Most real estate agents will suggest this be done as a first priority -- even before a contract is entered on the home. An inspection will unveil any potential problems in a home and indicate things that the buyer may not be aware of, including items that do not meet with code or could be unsafe. An inspector also may point out problems that could cause a mortgage lender to give pause. This may mean the lender will deem problems unsafe and refuse to fund the mortgage until repairs are made.A copy of this inspection report should be sent to the home seller to review with his or her attorney and real estate agent. The buyer working with his own real estate attorney and agent can petition for certain repairs to be made. Many sellers will make such repairs to ensure the purchase goes through, or they will accept a lower purchase price to compensate for the needed repairs, which the buyer will then make. Buyers might want to hire a good real estate attorney to write clauses into the contract to protect their interests. This allows the buyer to forfeit the sale and walk away from the contract should an issue arise.

The rules often change when buying a home that is a short sale or in foreclosure. A home that is in distress is typically in this situation because the current owners cannot afford to pay their mortgage, and thusly, are not able to afford repairs. According to Think Glink, a

money-management Web site, buyers may try to negotiate repairs with the seller, but they shouldn’t assume that sellers (or lenders in the event of a bank-owned home) are responsible for the repairs. Generally speaking, most short sales and foreclosures are sold “as is” and may even specify that repairs and requirements for the certificate of occupancy are the buyer’s responsibility. A buyer also can ask to have the home price reduced to cover the repairs. But foreclosures are often already deeply discounted.

Buyers should know that, for a home that is not in foreclosure, there are some repairs that should ultimately be the responsibility of the seller. If these repairs are not made, a buyer should think strongly about walking away from the deal, according to Why6Percent.com, a real estate marketing site. Such repairs include:• lender-required repairs that could impact home safety• leaky pipes• water penetration issues, including a bad roof• unsafe decking or handrails• wet basements or crawl spaces• insecure foundations or obvious structural damage• poorly functioning sewer lines or septic system

It is always advisable for buyers to speak with a reliable real estate attorney and a trusted real estate agent to guide them through the process of buying a home. These people can help buyers navigate the important decisions that can affect the home they’ll be living in for the next several years.

Who is responsible for

repairs during a home sale?

Home buyers may be able to negotiate that sellers repair major structural issues, such as a leaky roof.

If not, negotiate a lower sale price.

Many questions arise during the home-buying process.

Buyers looking at homes that require a good deal of TLC may wonder who is responsible for

the home’s repairs, particularly if such repairs are needed to

secure a certificate of occupancy. Depending on the situation, there is no clear-cut answer.


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• 4 Bedrooms, 5 Baths + Study + Media Room• Extraordinary Golf Views• Dream Kitchen & Master Suite• Sprawling Lanai Surrounds Infinity Pool• $2,100,000 MLS 422079Kathleen Miller 352.362.1515

3524 NW 85thTER.

• 3 Bedrooms, 2.5 Baths, Fireplace• Experience Elegant Living in a Private Oasis• Custom Cabinetry Throughout w/Inspired Granite• Screen Enclosed Multi Deck Pool w/Brick Pavers• $809,000 MLS 423302Kathleen Miller 352.362.1515

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• 5 Bedrooms, 7 Full Baths + Office• Contemporary Elegance, Whole House Generator• Spacious & Lavish Master Suite w/Gym or Nursery• Entertain in Style• $1,830,000 MLS 404635Kathleen Miller 352.362.1515

3975 NW 85thTER.

• Loaded w/Luxury Amenities & Appointments• Private & Lush Back Yard w/Comfortable Lanai & Summer Kitchen• Pristine Move In Condition• First Floor Master-Suite• $750,000 MLS 418569Janet Fetterman 386.299.6393

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8516 NW 41st LP.








3075 NW 79th AVE.




3524 NW 85thTER.


8057 NW 28th ST.


2785 NW 80th AVE.


3975 NW 85thTER.


2805 NW 80th AVE.


8516 NW 41st LP.







3075 NW 79th AVE.




3524 NW 85thTER.


8057 NW 28th ST.


2785 NW 80th AVE.


3975 NW 85thTER.


2805 NW 80th AVE.


8516 NW 41st LP.


SW 98th St

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Nowadays, more homeowners are choosing to get pre

approved for mortgages before they begin searching for a home in an effort to make the home-buying process go more smoothly when they find the home for them.One of the first things buyers must do when seeking pre approval is find the right mortgage lender. There are many different ways to find a mortgage lender who will fund your home loan. Prospective homeowners would be wise to familiarize themselves with mortgage lenders before beginning the pre approval process. The following are a few terms prospective home buyers should know before they begin the process of buying a home.

Retail lender: These are lenders who will reach out directly to prospective home buyers. Retail lenders include banks with loan officers in local branches, though many banks are also wholesale lenders.

Wholesale lender: A wholesale lender is one who funds a mortgage acquired through a mortgage broker. A wholesale lender will buy the mortgage from the broker after the broker has found the customer and processed the loan.

Mortgage broker: Mortgage brokers are essentially

matchmakers. A mortgage broker will examine a prospective buyer’s finances and then work to find the buyer a lender who can provide him or her with the best rate and terms. The broker may charge buyers a fee, but the broker will earn the bulk of his or her money when the buyer is matched with a lender.

Mortgage banker: A mortgage banker will fund the loan initially. But mortgage bankers often sell the loan to secondary lenders. Many men and women might be familiar with Fannie Mae and Freddie Mac, both of which are secondary lenders. A mortgage banker will borrow money from the a bank to fund the initial loan, then repay that bank if and when the loan is sold to a secondary lender.

Portfolio lender: A portfolio lender is typically a credit union or community bank that uses deposits from its customers to fund loans that it will keep in its portfolios.

Loan officer: Loan officers can be very helpful to buyers, helping them through the loan application process and offering advice on finding a mortgage that best meets a customer’s needs. A loan officer may be referred to as a mortgage consultant or a home loan consultant, and many will earn a commission on the loan once it is finalized.

Professionals who might help you get a mortgage

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To see additional available listings,visit us atOTOWREALESTATE.COM

EdWiseTopProducer &Real EstateExpert!

THENCALL THEONTOPOFTHEWORLDREALESTATEEXPERTS

LOOKINGFORTHEWORLD?

$245,0003/2/2 Ayreshire with a beautiful view of thegolf course and nature preserve. 1705 Sq Ft.Hardwood floors, tiled kitchen, w/w carpet-ing in the spaciousmaster suite and doublevanity sinks inmaster bath. MLS#423526

3/3/2, 1853SqFtHydrangeawithseparateguesthouse.Fantasticupgradesfromcrownmoldingstobambooflooring!Largeopenkitchenwithcathedralmaplecabinetry.Homehasahomefiltrationsystem!

Furnishingsalsoforsale.MLS#423502

AnaRuiz: 352.325.3005YonGoode: 352.325.1926

3/2/2 Extended Sterling w/ 2420 Sq Ft.Spacious living roomwith tile floors; tray ceil-ings and crownmolding. TheMaster bedroomsuite has a sitting area and French Doors that

open to patio under roof. MLS#422807

$285,000

YonGoode: 352.325.1926

3/2/2 Ayrshire w/ 1701 sq ft! All appliancesstay. Large kitchen opens to the living

room and includes a nice breakfast nook.Completely furnished, including golf cart!

MLS#421026

$179,900

2/2/1 Philadephianwithmany upgrades. 1341 Sq Ft.No carpeting! UpgradedKitchen, Upgraded baths,enclosed lanai under A/C. Sit on the front porch

and enjoy the beautiful tree lined streets.MLS#423266

EdWise: 352.325.3007

$59,5002/2/1 Lafayette Villaw/1283 Sq Ft. Turnkey!! Unithas insulated replacementwindows, carpet and

tiled, beautiful extended patio enclosurewithwalkin closet for additional storage. Stove is new andnewheat & air replaced in 2014. MLS#424950

Janet Higgins: 352.325.1905

$69,900

2/2/2Westross in Candler Hills w/1603sq ft. Split bedroomfloor plan w/ a den.

Privacy seekers will love the screened lanaithat overlooks a secluded preserve area &privacy screened garage. MLS#417330

$169,990

YonGoode: 352.325.1926

2/2/2 Iris in Indigo East w/ 1327 Sq Ft.Split floor plan and custommade shelvesin bedroom closet. Open kitchenwith tilefloors and a breakfast nook.W/W carpet

and vaulted ceilings. MLS#423552

$132,000

EdWise: 352.325.3007

3/2/2w/denAyershire IIw/1962SqFt.Largemas-terwithwalk inshowerwithbuilt inbench.Home

featuresagasstove,solidsurfacecountertops,& lotsofcabinetsstorage. Allappliancesstay. A/Csystemupgradedtoaspecial filtrationsystem.MLS#423638

$209,550

JanetHiggins:352.325.1905

$224,990

AnaRuiz: 352.325.3005

2/2/2 w/denWakefield with stunning viewsof the 10th hole. 1516 Sq Ft. covered en-closed lanai off the living room separatedby a 3 door glass slider and patio off lanai.

MLS#422971

$152,900

EdWise: 352.325.3007

3/2/2 Single family homew/ 1603 Sq Ft.Beautiful viewof golf course/retention area.

House features extra large living room, kitchenwith breakfast nook and a lot of cabinet

space. MLS#425104

$110,000

AnaRuiz: 352.325.3005

2/2/1 Hamiltonmodelw/1361 Sq Ft. Splitbedroomplan and an open Florida roomwith slidingwindows. NewHVAC system,tile puronicswater purification system,

and a newwasher and dryer. MLS#422372

$129,900

JanetHiggins: 352.325.1905

OVER250,000SQ. FT.OFLIFESTYLE | 3GOLFCOURSES •6POOLS • 2FITNESSCENTERS

Listings change frequently as homes are sold or listed nearly on a daily basis. For the most currentlist of available homes please visit otowrealestate.com or call our onsite sales office.





LOOKINGFORTHEWORLD?







$285,000

YonGoode: 352.325.1926



MLS#421026

$179,900



EdWise: 352.325.3007




$69,900



$169,990

YonGoode: 352.325.1926



$132,000

EdWise: 352.325.3007



$209,550


$224,990

AnaRuiz: 352.325.3005


MLS#422971

$152,900

EdWise: 352.325.3007



space. MLS#425104

$110,000

AnaRuiz: 352.325.3005



$129,900








LOOKINGFORTHEWORLD?







$285,000

YonGoode: 352.325.1926



MLS#421026

$179,900



EdWise: 352.325.3007




$69,900



$169,990

YonGoode: 352.325.1926



$132,000

EdWise: 352.325.3007



$209,550


$224,990

AnaRuiz: 352.325.3005


MLS#422971

$152,900

EdWise: 352.325.3007



space. MLS#425104

$110,000

AnaRuiz: 352.325.3005



$129,900








LOOKINGFORTHEWORLD?







$285,000

YonGoode: 352.325.1926



MLS#421026

$179,900



EdWise: 352.325.3007




$69,900



$169,990

YonGoode: 352.325.1926



$132,000

EdWise: 352.325.3007



$209,550


$224,990

AnaRuiz: 352.325.3005


MLS#422971

$152,900

EdWise: 352.325.3007



space. MLS#425104

$110,000

AnaRuiz: 352.325.3005



$129,900





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Saving money is a priority for many people. But reducing monthly

expenses is typically a bigger concern for homeowners, especially new homeowners adjusting to life with a mortgage, higher energy bills than they likely had while renting and other costs associated with owning their own homes.Home ownership is a dream for many people, but the realization of just how expensive owning a home can be is often eye-opening once you get the keys and move in. Once the initial sticker shock has worn off, homeowners should know that the cost of home ownership need not be so steep. In fact, there are several ways homeowners can cut costs without drastically changing their lifestyle.

COMBINE YOUR INSURANCE COVERAGES Many lenders mandate that borrowers carry homeowners insurance for their homes. The cost of coverage varies from company to company, and one of the ways homeowners can reduce the cost of their homeowners insurance is to bundle their homeowners coverage with their auto insurance. Some companies provide discounted premiums

as high as 15 percent for policy holders who combine their homeowners and auto insurance coverage. Speak with your current provider to determine if combining your coverage could save you money.

REFINANCE YOUR MORTGAGE Refinancing your mortgage is another great way homeowners can save a substantial amount of money. Even if you only recently purchased your home, your lender might be willing to refinance your mortgage with a lower interest rate. Depending on the amount of time and money left on your loan, reducing your interest rate by 2 percent can save you a substantial amount of money on your monthly mortgage payment, which can add up to considerable savings on the total interest you will pay over the life of the loan.

BUNDLE YOUR SERVICES. More and more consumers have decided to bundle their Internet, phone and television packages. Consumer Reports found that

bundling just two of those services instead of buying them from separate providers can save consumers between 40 to 60 percent depending on where they live. Rates for bundling packages often come

with an expiration date, but a Consumer Reports survey found that even those packages come with some wiggle room. When negotiating, discuss lower prices for bundling as well as extending the package beyond the current expiration date.

How homeowners can reduce their monthly expenses

Refinancing an existing mortgage is one way homeowners can reduce their monthly expenses.[ [

CAROLINA ARANGOemail: [email protected]

Cell 352-216-7824HABLO ESPAÑOL!!

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Beautiful home in HiddenOaks . Nice and quiet wellestablished neighborhood.Corner lot, huge brandnew lanai, new roof, newcabinets, new flooring,new bathrooms, fireplace,granite counter tops.Thisone won’t last!!1592 Sq/ft on almost half anacre. $172,000

4/2 1520 Sq/ft. Perfect location .Quiet neighborhood, beautiful home,move in ready, new roof, newfloors,4 bed, 2 bath, private back yard,ShadyHill Elementary district.$104,900

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4519 NE 6 ST, OCALA, FL 34470 • Stonewood Villas • $140,000Laminate flooring, tiled kitchen and baths. Formal living room open to atrium, formal dining room, bedroom opens to atrium, kitchen with breakfast room and pantry, family room, master bedroom with cathedral ceilings, master bath with shower, ample storage thru-out, screen room, open patio, inground pool, home warranty. MLS#417838

Sandy Dingler 352.427.6044

7581 SE 147 PL, Summerfield, FL 34491 • Home Non Sub • $425,000This custom built Bradford Home boasts a grand entry with 12’ ceilings, double sided marble fireplace, real wood floors, arched door ways and french glass doors leading to the game room. The oversized kitchen with granite counter tops braided crown molding, center island w/wine rack and lot of cabinets and drawer is every cooks dream. Move to the outdoor entertainment area with a salt water pool outdoor kitchen and built in speakers for everyone to enjoy. All of this behind the gate entry on 5.3 acres ready for you to bring your horses or pets. MLS#424740

Donna Knox 352.216.5495

9539 SW 70 LP , OCALA, FL 34481 • Stone Creek • $499,900MOTIVATED SELLER! Live on the golf course and not wait for your dream home to be built. This home has all the upgrades, solar panel system, crown molding throughout. Master has frame-less tiled shower and custom built walk in closet. 3 baths have granite counter tops. Kitchen is a gourmet cooks dream with granite counter tops, a custom pantry to store everything you would need and a center island. 2 bedrooms in this split floor plan have full bathrooms with tiled showers and one has the soft water loop for hot water in 3 seconds, this one also has a large sun room viewing the golf course. Formal dining room has custom wainscot moldings. Bedrooms and den have carpet and the rest of the home has diagonal tile. Recessed lighting in the living area and kitchen. All doors are 8’ and fixtures throughout the home are old rubbed bronze. Garage is extended 4’ for extra space. All closets are custom to make them most efficient. The inside has been freshly custom painted with calming colors. MLS#424216

Julie Bommarito 352.208.7787

9065 E Lisa, Inverness, FL 34450 • Out of County • $184,900Beautiful very clean well maintained home with a spacious floor plan. Located in a quiet, family-friendly subdivision sitting on 1.7 Acres (3 lots) on a cul-de-sac street. 3 BR/2BA/2 car garage, eat-in kitchen, large family room, huge master bedroom with walk-in closet, inside laundry and a huge covered patio and enclosed pool in the back. Boats or motor home, no problem. MLS#423393

Brett Ortengren 352.598.7834

9778 SW 75 LP, Ocala, FL 34481 • Stone Creek • $249,900Beautiful lake front Sheridan model. Upgrades throughout, crown moldings in living room, master bedroom and alcove. Zodiaq counter tops in kitchen and stainless steel appliances. Stunning landscaping with curbing all around. Off of the tiled lanai is an outdoor area with a pergola. Guest bedrooms have Armstrong hardwood, master bedroom has large walk-in closet. Painted inside and out a year and a half ago. Garage has shelving and cabinets for extra storage. MLS#425041

Julie Bommarito 352.208.7787

1690 SE 85th STREET ROAD, OCALA, FL • $309,900

Spacious 4 bedroom 3 bath home with Office/Den and pool in beautiful Carriage Trail subdivision. The Home has a 3/4 acre lot, beautiful community with great schools only $309,900.00. This one will not last!

Brett Ortengren 352.598.7834

7210 SW 97 PL, OCALA, FL 34476 • Countryside Farms • $369,900Picturesque home on 3 1/2 acres and with 2 paddocks. 5th bedroom currently used as an office. Foyer, formal living room and formal dining room. Large family room with surround sound and cherry entertainment center. Open floor plan. Kitchen features breakfast area, pantry, custom cherrywood cabinets, upscale granite and stainless steel appliances. Updated guest bath, newly painted, oversized master bedroom with walk-in closet, master bath with whirlpool tub, 2 sink vanity and walk-in shower. 2 Guest bedrooms with jack and jill bath could be in-law set up, 5th bedroom or office. Family room has tray ceiling. Inside laundry room with tub. Newer roof, newer a/c. 2 Septics. Wood board fencing. MLS#415560

Sandy Dingler 352.427.6044

21215 SW 10 ST, Dunnellon, FL 34431 • Romeo Meadows • $349,900This home sits high on a hill with breath-taking views from all angles. Gentle rolling countryside is the perfect place for your mini farm. Bring your animals, it has one large pasture. This custom built home is energy efficient with 10 ft ceilings. Great in law setup. It has formal living room or office, formal dining room. Large pantry, master has luxury bath and french doors leading to the salt water sports pool. Garage has screened doors to catch that great breeze on the hill! Make this home your dream farm today! MLS#424514

Donna Knox 352.216.5495

THE BOULEVARD OFFICE615 E. Silver Springs Blvd.Ocala, FL 34470(352) 732-3344 Office

SW HWY 200 OFFICE8721 SW Highway 200Ocala, FL 34481(352) 479-0123 Office

2015 just listed! real estate magazine

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