April 19, 2018

5700 Villa Circle #462 Flagstaff AZ 86004

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

See all Condos for sale in Flagstaff

 

5700 Villa Circle #462 Flagstaff AZ 86004 

Super Neat Continental Country Club Condo With Views

  1 Bed | 1 Bath | $ 209,850

 

Buyers will love this 820 sqft renovated 1 bedroom unit with a spectacular view of the golf course.  This condo is perfect for first-time homebuyers, NAU students, and a great opportunity for investors. This home will go fast, schedule your showing now! 

 Photos and more information here: COMING SOON

Location

 

Continental Country Club Neighborhood Info

Residents enjoy access to Continental Country Club and Bear Paw Recreation Center facilities. Visit the Continental Country Club page for more information. Se

Contact Kelly Broaddus at kelly.broaddus@exprealty.com  or call 888-4465602 to see other condos for sale in Flagstaff.

Search for Condos in Flagstaff, Arizona

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April 16, 2018

A Seasonal Guide to Maintaining Your Flagstaff Home

Kelly Broaddus | eXp Realty | 888.446.5602 | Contact Kelly

 

A Seasonal Guide to Maintaining Your Flagstaff Home 

 

From summer vacations to winter holidays, it seems each season offers the perfect excuse to put off our to-do list. But be careful, Flagstaff homeowners: neglecting your home’s maintenance could put your personal safety—and one of your largest financial investments—at serious risk.

 

In no time at all, small problems can lead to extensive and expensive repairs. And even if you avoid a catastrophe, those minor issues can still have a big impact. Properties that are not well maintained can lose 10 percent (or more) of their appraised value.1


The good news is, by dedicating a few hours each season to properly maintaining your home, you can ensure a safe living environment for you and your family ... and actually increase the value of your home by one percent annually!1 You just need to know where and how to spend your time.

Use the following checklist as a guide to maintaining your Flagstaff home and lawn throughout the year. It's applicable for all climates, so please share it with friends and family members who you think could benefit, no matter where their home is located.

 DOWNLOAD FREE PRINTABLE : A Seasonal Guide to Maintaining Your Home

 

 Spring

 

After a long, cold winter, many of us look forward to a fresh start in the spring. Wash away the winter grime, open the windows, and prepare your home for warmer weather and backyard barbecues.

 

Inside

 

  • Conduct Annual Spring Cleaning
    Be sure to tackle those areas that may have gone neglected—such as your blinds, baseboards and fan blades—as well as appliances, including your refrigerator, dishwasher, oven and range hood. Clear out clutter and clothes you no longer wear, and toss old and expired food and medications.

 

  • Shut Down Heating System
    Depending on the type of heating system you have, you may need to shut your system down when not in use. Check the manufacturer’s instructions for proper procedures.

 

  • TuneUp A/C
    If your home has central air conditioning, schedule an annual tune-up with your HVAC technician. If you have a portable or window unit, be sure to follow the manufacturer's instructions for proper maintenance.2

 

  • Check Plumbing
    It’s a good idea to periodically check your plumbing to spot any leaks or maintenance issues. Look for evidence of leaks—such as water stains on the ceiling—and check for dripping faucets or running toilets that need to be addressed. Inspect your hot water heater for sediment build up. Check your sump pump (if you have one) to ensure it’s working properly.3

 

  • Inspect Smoke Alarm and Carbon Monoxide Detectors
    Check that your smoke and carbon monoxide detectors are functioning properly. Batteries should be replaced every six months, so change them now and again in the fall. Follow the manufacturer’s instructions to test your individual devices. And even properly functioning devices should be replaced at least every 10 years, or per the manufacturer’s recommendation.4

 

Outside

 

  • Inspect Perimeter of Home
    Walk around your house and look for any signs of damage or wear and tear that should be addressed. Are there cracks in the foundation? Peeling paint? Loose or missing roof shingles? Make a plan to make needed repairs yourself or hire a contractor.

 

  • Clean Home’s Exterior
    Wash windows and clean and replace screens if they were removed during the winter months. For the home’s facade, it’s generally advisable to use the gentlest method that is effective. A simple garden hose will work in most cases.5

 

  • Clean Gutters and Downspouts
    Gutters and downspouts should be cleaned at least twice a year. Neglected gutters can cause water damage to a home, so make sure yours are clean and free of debris. If your gutters have screens, you may be able to decrease the frequency of cleanings, but they should still be checked periodically.6

 

  • Rake Leaves
    Gently rake your lawn to remove leaves and debris. Too many leaves can cause an excessive layer of thatch, which can damage the roots of your lawn. They can also harbor disease-causing organisms and insects.7 However, take care because overly vigorous raking can damage new grass shoots.
     
  • Seed or Sod Lawn
    If you have bare spots, spring is a good time to seed or lay new sod so you can enjoy a beautiful lawn throughout the remainder of the year. The peak summer heat can be too harsh for a new lawn. If you miss this window, early fall is another good time to plant.8

 

  • Apply a Pre-Emergent Herbicide
    While a healthy lawn is the best deterrent for weeds, some homeowners choose to use a pre-emergent herbicide in the spring to minimize weeds. When applied at the right time, it can be effective in preventing weeds from germinating. However, a pre-emergent herbicide will also prevent grass seeds from germinating, so only use it if you don’t plan to seed or sod in the spring.

 

  • Plant Flowers
    After a long winter, planting annuals and spring perennials is a great way to brighten up your garden. It’s also a good time to prune existing flowers and shrubs and remove and compost any dead plants.
     
  • Mulch Beds
    A layer of fresh mulch helps to suppress weeds, retain moisture and moderate soil temperature. However, be sure to strip away old mulch at least every three years to prevent excessive buildup.9
     
  • Fertilize Lawn
    Depending on your grass type, an application of fertilizer in the spring may help promote new leaf and root growth, keep your lawn healthy, and reduce weeds.10

 

  • TuneUp Lawn Mower
    Send your lawn mower out for a professional tune-up and to have the blades sharpened before the mowing season starts.11
     
  • Inspect Sprinkler System
    If you have a sprinkler system, check that it’s working properly and make repairs as needed.

 

  • Check the Deck
    If you have a deck or patio, inspect it for signs of damage or deterioration that may have occurred over the winter. Then clean it thoroughly and apply a fresh coat of stain if needed.

 

  • Prepare Pool
    If you own a pool, warmer weather signals the start of pool season. Be sure to follow best practices for your particular pool to ensure proper maintenance and safety.

 

 

Summer

 

Summer is generally the time to relax and enjoy your Flagstaff home, but a little time devoted to maintenance will help ensure it looks great and runs efficiently throughout the season.

 

Inside

 

  • Adjust Ceiling Fans
    Make sure they are set to run counter-clockwise in the summer to push air down and create a cooling breeze. Utilizing fans instead of your air conditioner, when possible, will help minimize your utility bills.

 

  • Clean A/C Filters
    Be sure to clean or replace your filters monthly, particularly if you’re running your air conditioner often.

 

  • Clear Dryer Vent
    Help cut down on summer utility bills by cleaning your laundry dryer vent at least once a year. Not only will it help cut down on drying times, a neglected dryer poses a serious fire hazard.

 

  • Check Weather Stripping
    If you’re running your air conditioner in the summer, you’ll want to keep the cold air inside and hot air outside. Check weather stripping around doors and windows to ensure a good seal.

 

Outside

 

  • Mow Lawn Regularly
    Your lawn will probably need regular mowing in the summer. Adjust your mower height to the highest setting, as taller grass helps shade the soil to prevent drought and weeds.

 

  • Water Early in the Morning
    Ensure your lawn and garden get plenty of water during the hot summer months. Experts generally recommend watering in the early morning to minimize evaporation, but be mindful of any watering restrictions in your area, which may limit the time and/or days you are allowed to water.

 

  • Weed Weekly
    To prevent weeds from taking over your garden and ruining your home’s valuable curb appeal, make a habit of pulling weeds at least once per week.

 

  • Exterminate Pests
    Remove any standing water and piles of leaves and debris. Inspect your lawn and perimeter of your home for signs of an invasion. If necessary, call a professional exterminator for assistance.

 

 

Fall

 

Fall ushers in another busy season of home maintenance as you prepare your Flagstaff home for the winter weather ahead.

 

Inside

 

  • Have Heater Serviced
    To ensure safety and efficiency, it’s a good idea to have your heating system serviced and inspected before you run it for the first time.

 

  • Shut Down A/C for the Winter
    If you have central air conditioning, you can have it serviced at the same time as your furnace. If you have a portable or window unit, ensure it’s properly sealed or remove it and store it for the winter.

 

  • Inspect Chimney
    Fire safety experts recommend that you have your chimney inspected annually and cleaned periodically. Complete this task before you start using your fireplace or furnace.

 

  • Seal Windows and Doors
    Check windows and doors for drafts and caulk or add weatherstripping where necessary.

 

  • Check Smoke Alarm and Carbon Monoxide Detectors
    If you checked your smoke and carbon monoxide detectors in the spring, they are due for another inspection. Batteries should be replaced every six months, so it’s time to replace them again. Follow the manufacturer’s instructions to test your individual devices. And even properly functioning devices should be replaced at least every 10 years, or per the manufacturer’s recommendation.3

 

Outside
 

  • Plant Fall Flowers, Grass, and Shrubs
    Fall is a great time to plant perennials, trees, shrubs, cool-season vegetables and bulbs that will bloom in the spring.12 It’s also a good time to reseed or sod your lawn.

 

  • Rake or Mow Leaves
    Once the leaves start falling, it’s time to pull out your rake. A thick layer of leaves left on your grass can lead to an unhealthy lawn. Or, rather than raking, use a mulching mower to create a natural fertilizer for your lawn.

 

  • Apply Fall Fertilizer
    If you choose not to use a mulching mower, a fall fertilizer is usually recommended. For best results, aerate your lawn before applying the fertilizer.13

 

  • Inspect Gutters and Roof
    Inspect your gutters and downspouts and make needed repairs. Check the roof for any broken or loose tiles. Remove fallen leaves and debris.

 

  • Shut Down Sprinkler System
    If you have a sprinkler system, drain any remaining water and shut it down to prevent damage from freezing temperatures over the winter.

 

  • Close Pool
    If you have a pool, it’s time to clean and close it up before the winter.

 

 

Winter

 

While it can be tempting to ignore home maintenance issues in the winter, snow and freezing temperatures can do major damage if left untreated. Follow these steps to ensure your Flagstaff house survives the winter months.

 

Inside

 

  • Maintain Heating System
    Check and change filters on your heating system, per the manufacturer's instructions. If you have a boiler, monitor the water level.

 

  • TuneUp Generator
    If you own a portable generator, follow the manufacturer’s instructions for proper maintenance. Make sure it’s working before you need it, and stock up on supplies like fuel, oil, and filters.

 

  • Prevent Frozen Pipes
    Make sure pipes are well insulated, and keep your heat set to a minimum of 55 degrees when you’re away. If pipes are prone to freezing, leave faucets dripping slightly overnight or when away from home. You may also want to open cabinet doors beneath sinks to let in heat.

 

Outside

 

  • Drain and Shut Off Outdoor Faucets
    Before the first freeze, drain and shut off outdoor faucets. Place an insulated cover over exposed faucets, and store hoses for the winter.

 

  • Remove Window Screens
    Removing screens from your windows allows more light in to brighten and warm your home during the dark, cold winter months. Snow can also get trapped between screens and windows, causing damage to window frames and sills.

 

  • Service Snowblower
    Don’t wait until the first snowstorm of the season to make sure your snowblower is in good working order. Check the manufacturer’s instructions for maintenance or have it serviced by a professional.

 

  • Stock Up on Ice Melt
    Keep plenty of ice melt, or rock salt, on hand in preparation for winter weather. Look for brands that will keep kids and pets safe without doing damage to your walkway or yard.

 

  • Watch Out for Ice Dams
    Ice dams are thick ridges of solid ice that can build up along the eaves of your house. They can do major damage to gutters, shingles, and siding. Heated cables installed prior to the first winter storm can help.14

 

  • Check for Snow Buildup on Trees
    Snow can cause tree limbs to break, which can be especially dangerous if they are near your home. Use a broom to periodically remove excess snow.15

 

 

While this checklist should not be considered a complete list of your Flagstaff home’s maintenance needs, it can serve as a general seasonal guide. Systems, structures, and fixtures will need to be repaired and replaced from time-to-time, as well. The good news is, the investment you make in maintaining your home now will pay off dividends over time.

 

Keep a record of all your maintenance, repairs and upgrades for future reference, along with receipts. Not only will it help jog your memory, it can make a big impact on buyers when it comes time to sell your home … and potentially result in a higher selling price.

 

Are you looking for help with home maintenance or repairs on your Flagstaff home? We have an extensive network of trusted contractors and service providers in Northern Arizona and are happy to provide referrals! Call 888.446.5602 or email kelly.broaddus@experaealty.com, and we can connect you with one of our preferred vendors.

 

 

 

Sources:

  1. HouseLogic.com –
    https://www.houselogic.com/organize-maintain/home-maintenance-tips/value-home-maintenance/
  2. Home Advisor –
    https://www.homeadvisor.com/r/servicing-your-air-conditioner/
  3. Keyes & Sons Plumbing and Heating –
    http://keyes-plumbing.com/things-to-check-in-spring/
  4. Allstate Insurance Blog –
    https://blog.allstate.com/test-smoke-detectors/
  5. Houzz –
    https://www.houzz.com/ideabooks/17268616/list/how-to-wash-your-house
  6. Angie’s List –
    https://www.angieslist.com/articles/why-gutter-cleaning-so-important.htm
  7. Angie’s List –
    https://www.angieslist.com/articles/what-thatch-and-how-does-it-impact-my-lawn.htm
  8. HGTV –
    http://www.hgtv.com/design/outdoor-design/landscaping-and-hardscaping/lawns/top-spring-lawn-care-tips-pictures
  9. This Old House –
    https://www.thisoldhouse.com/more/may-mulching
  10. Lowes –
    https://www.lowes.com/projects/lawn-and-garden/fertilize-your-lawn/project
  11. The New York Times –
    https://www.nytimes.com/guides/realestate/home-maintenance-checklist
  12. Better Homes and Gardens Magazine –
    https://www.bhg.com/gardening/yard/garden-care/what-to-plant-in-the-fall/
  13. The Spruce –
    https://www.thespruce.com/late-fall-fertilizing-2152976
  14. This Old House –
    https://www.thisoldhouse.com/how-to/how-to-get-rid-ice-dams
  15. Houzz –
    https://www.houzz.com/ideabooks/55572864/list/your-winter-home-maintenance-checklist

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Posted in Homeowner Tips
April 10, 2018

1185 W University 17-238 Flagstaff, AZ 86001

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

See all Condos for sale in Flagstaff

 

1185 W University Avenue, 17-238 Flagstaff, AZ 86001 

Renovated Upstairs Studio Unit At The Arbors, Near NAU & Downtown

  $ 125,000

 

JUST LISTED! Renovated studio unit at the Arbors with newer cabinets, counters, black appliances and tile flooring in kitchen and bath! The Arbors Flagstaff condominiums are nestled in the midst of a beautiful Ponderosa Pine Forest. These luxuriously appointed condominiums are a short bike ride to NAU and conveniently located close to downtown Flagstaff.  This condo will go fast, schedule your showing now! 

 Photos and more information here: http://northernarizonafinehomes.com/property/173107/

Location

With its close proximity to NAU and downtown, this condo is perfect for students or as a family vacation home. 

Woodlands Area Neighborhood Info

The Arbors condos in the Woodlands area is a highly sought after condo community because of its central location.  Contact Kelly Broaddus at kelly.broaddus@exprealty.com  or call 888-4465602 to see other condos for sale in Flagstaff.

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April 10, 2018

1185 W University 16-226 Flagstaff, AZ 86001

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

See all Condos for sale in Flagstaff

 1185 W University Avenue, 16-226 Flagstaff, AZ 86001

 

Upstairs Studio Unit At The Arbors, Near NAU & Downtown

  $ 125,000

 

JUST LISTED! Beautiful studio unit located on the upper level. The Arbors Flagstaff condominiums are nestled in the midst of a beautiful Ponderosa Pine Forest. These luxuriously appointed condominiums are a short bike ride to NAU and conveniently located close to downtown Flagstaff.  This condo will go fast, schedule your showing now! 

 Photos and more information here: http://northernarizonafinehomes.com/property/173108

Location

With its close proximity to NAU and downtown, this condo is perfect for students or as a family vacation home. 

Woodlands Area Neighborhood 

The Arbors condos in the Woodlands area is a highly sought after condo community because of its central location.  Contact Kelly Broaddus at kelly.broaddus@exprealty.com  or call 888-4465602 to see other condos for sale in Flagstaff.

Search for Condos in Flagstaff, Arizona

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April 10, 2018

5100 S Opal Road Flagstaff, AZ 86005

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

 5100 S Opal Road Flagstaff, AZ 86005

 Extraordinary Ponderosa Trails Home Backing National Forest

2 Beds |  2 Baths | $429,900

COMING SOON! This custom built 2 bedroom home sits on a 7,405 sqft lot backing forest service in popular Ponderosa Trails neighborhood. You will love the panoramic views, finished out bonus space above the 2 car garage, wood floors, radiant floor heat and heated driveway for snowing days. A clawfoot tub is included in the sale. This is a prime location near Mountain School, Flagstaff Urban Trails, parks and minutes away to all the top restaurants, shops, and entertainment in downtown Flagstaff.

Features include

  • Kitchen custom cabinetry with pull out drawers, Brookwood Cherry Cabinets, crown molding, imported Brazilian granite countertops.
  • 2'' Polystyrene foam under the entire floor, 6'' to 8'' sprayed in foam both walls and roofing
  • 6 zone underfloor heating system
  • thermostatically controlled driveway snowmelt
  • roof mounted wildfire sprinkler system
  • hole home filter air filter system.

 

Photos and more information here: Coming Soon

Virtual Tour: Coming Soon

 

 

Location

5100 South Opal Road

Car-Dependent

Explore Ponderosa Trails on Walk Score

 

Dining Nearby

 

Attractions & Recreation

 

Schools

  • Manuel De Miguel Elementary PK-5
  • Mount Elden Middle School 6-8
  • Flagstaff High School 9-12 

Ponderosa Trails Neighborhood Information

 Check out the Ponderosa Trails community page for more information.

Contact Kelly Broaddus at kelly.broaddus@exprealty.com or call 888-4465602 to see this exceptional home in Ponderosa Trails before it goes to market or to view other houses for sale in Flagstaff.

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April 6, 2018

3780 Point Of Pines Way Flagstaff, AZ 86005

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

 3780 Point Of Pines Way Flagstaff, AZ 86005

Tranquil Peak Views Await In Westwood Estates Home

4 Beds |  3 Baths | $699,980

This 3,105 sqft Westwood Estates gem nestled in a four-acre lot features grey-green HardiPlank exterior siding and TimberTech decks that blend with the ponderosa pines. Sit in front of your fireplace and enjoy the views of majestic San Francisco Peaks. This is a custom Lindal home, with cedar post and beam open floor plan designed for easy, carefree mountain living. 

The main floor includes a master suite or guest quarters with external access, high ceilings, full bath, office and an area for laundry or kitchenette. The upper floor can also be used as a master suite or loft overlooking the great room, and includes a laundry, walk-in closet, jetted/heated Kohler tub, granite double vanity, and beautiful sky walls for light and cross ventilation.

HOME FEATURES 

  • KITCHEN custom cabinets, granite countertops, auto skylights, Jenn-Air appliances Kitchens are always gathering spots and this one adjoins the dining room, sunroom, and cozy mini family room with media connections. 
  • DECK Timbertech decking. You will love the views of deer and birds on your private stream and waterfall running into your pond.
  • WINDOWS fine grain Western red cedar, high altitude double pane, Low e-Argon glass with mortise and tenon joints.
  • FLOOR oak flooring with radiant subfloor heat that maintains a constant temperature free from vents and blowing air.

Photos and more information here: http://northernarizonafinehomes.com/property/173229

We listed this Flagstaff home in 2013. Listed and found a buyer for this Westwood house in 2015. Check out the video below

 

Location

3780 Point of Pines Way

Car-Dependent

Explore Westwood Estates

You are minutes from NAU, WL Gore, and west Flagstaff. Easy access to I-40, I-17, and Route 66. Westwood residents have access to the Flagstaff Ranch Golf Club, equestrian facilities, Flagstaff Municipal Airport, the University, highly ranked regional hospital Flagstaff Medical Center, and many national parks and hiking trails. 

Dining Nearby

Nearby restaurants include Criollo Latin Kitchen offers great food with all fresh locally grown ingredients from area farms. Agave Mexican Restaurant is located on Historic Route 66 just east of downtown Flagstaff. Another quick stop is at Coppa Cafe and Bistro.

Attractions & Recreation

  • Arizona Snowbowl- Perfect for a local and semi-local activity. They got a awesome scenic chairlift in the fall that's breath taking, then in the winter some good snowboarding and skiing.
  • Slide Rock State Park - Beautiful scenery all over. Water was so cold! You can walk up along the river.
  • Walnut Canyon National Monument - Located very close to Flagstaff. The Walnut Canyon National Monument is a wonderful place to see cliff dwellings up close. The history is fascinating, also the sheer numbers of cliff dwellings is astonishing both on the trail and in inaccessible places.

Schools

  • Manuel De Miguel Elementary PK-5
  • Mount Elden Middle School 6-8
  • Flagstaff High School 9-12 

Westwood Neighborhood Information

Westwood is located on the West side of Flagstaff and was developed in 1990’s. It is a small community abutting the forest and is easily accessible from Flagstaff Ranch Road. Check out the Westwood Estates neighborhood page for more information.

Contact Kelly Broaddus at kelly.broaddus@exprealty.com or call 888-4465602 to see this exceptional home in Westwood or other houses for sale in Flagstaff.

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April 5, 2018

2404 S Cliffview St, Flagstaff, AZ 86001

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

 2404 South Cliffview Street Flagstaff, Arizona, 86001

Beautiful Home Backing Greenbelt in Quiet Boulder Pointe

4 Beds |  3.5 Baths | $599,980

This beautiful home sits on a 12,197 square foot lot, backing the greenbelt in the coveted Boulder Pointe! Meticulously maintained yard and exterior. This immaculate home features 4 generously sized bedrooms, 3.5 bathrooms, living room, family room and a den! The yard is beautifully landscaped, covered porch, nice open patio in the back, shed, and a hot tub. Nice sized shed with a doggy door and area for Spot to get out of the weather. Large gates on both sides of the property for your toys or small RV. Quiet in Flagstaff is at a premium, this location has it, only the wind blowing through the trees on a quiet culdesac. Don't miss this inviting home in one of Flagstaff's premier neighborhoods.

HOME FEATURES 

 

Photos and more information here: http://northernarizonafinehomes.com/property/173064

Take a Virtual Tour: http://www.tourfactory.com/1968043

 

Location

2404 South Cliffview Street

Car-Dependent

Explore Boulder Point

 2404 South Cliffview Street is near Northern Arizona University, Ponderosa Trails Park and Colton Park.

 

Dining Nearby

 The closest grocery stores are Bashas', Los Altos Mexican Mini Mart and Sprouts Farmers Market.

Nearby coffee shops include 7 Ate 9, Woodlands Cafe Lounge and Campus Coffee Bean and Grill. Nearby restaurants include Taverna, Papa Murphy's Take 'n' Bake Pizza and Papa Murphy's.

 

Attractions & Recreation

Bow & Arrow park

Just minutes away from Harkins movie theaters, NAU, plus many popular west-side amenities. Just blocks away from the Urban Trail that connects to the NAU campus.

Schools

  • Manuel De Miguel Elementary PK-5
  • Pine Forest Middle School 6-8
  • Flagstaff High School 9-12 

Boulder Pointe Neighborhood Information

Check out the Boulder Pointe community page for more information.

Contact Kelly Broaddus at kelly.broaddus@exprealty.com or call 888-4465602 to see this exceptional home in Boulder Pointe or other houses for sale in Flagstaff.

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March 29, 2018

3995 S Flagstaff Ranch Rd, Flagstaff, AZ 86005

Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

 

3995 S Flagstaff Ranch Rd Road, Flagstaff, AZ 86005

Wow! Amazing Views At Great Price For Half Acre Lot in Flagstaff Ranch

 0.5 acres | $219,000

If you are looking for a great lot to build on that is flat, roomy (over 1/2 acre) with unobstructed views and lots of trees, sitting right on the beautiful course? This is it! Social Membership is included in the price, WOW What a deal!!

Photos and more information here: http://www.northernarizonafinehomes.com/property/172885/

Take a Virtual tour: http://www.tourfactory.com/1963421

See all lots for sale in Flagstaff Ranch

 

Location

3995 South Flagstaff Ranch Road

Car-Dependent

Explore Flagstaff Ranch

 

Dining Nearby

The Northern Pines, it's very conveniently located at the intersection of the I-17 and I-40. Another 5-star worthy restaurant is  Criollo Latin Kitchen. Not a typical bar and restaurant for Flagstaff they cook and serve fresh locally grown ingredients from area farms.

 

Schools

Children in this community typically go to the following nearby schools:

  • Manuel De Miguel Elementary School PK-5
  • Mount Elden Middle School 6-8
  • Flagstaff High School 9-12

 

Flagstaff Ranch Neighborhood Information 

Flagstaff Ranch is premier private gated Country Club located in beautiful Flagstaff offers a variety of homes and home sites nestled among the largest Ponderosa Pine Forest in North America.

Contact Kelly Broaddus at kelly.broaddus@exprealty.com  or call 888-4465602 to see other lands for sale in Flagstaff.

 

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March 28, 2018

The Flagstaff Home Buyer's Guide to Getting Mortgage Ready

 Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

The Home Buyer's Guide to Getting Mortgage Ready

 

Don’t wait until you’re ready to move to start preparing financially to buy your Flagstaff home.

 

If you’re like the vast majority of home buyers, you will choose to finance your purchase with a mortgage loan. By preparing in advance, you can avoid the common delays and roadblocks many buyers face when applying for a mortgage.

 

The requirements to secure a mortgage may seem overwhelming, especially if you’re a first-time buyer. But we’ve outlined three simple steps to get you started on your path to homeownership.

 

Even if you’re a current homeowner, it’s a good idea to prepare in advance so you don’t encounter any surprises along the way. Lending requirements have become more rigorous in recent years, and changes to your credit history, debt levels, job type and other factors could impact your chances of approval.

 

It’s never too early to start preparing to buy a home. Follow these three steps to begin laying the foundation for your future home purchase today!

 

 

STEP 1: CHECK YOUR CREDIT SCORE

 

Your credit score is one of the first things a lender will check to see if you qualify for a loan. It’s a good idea to review your credit report and score yourself before you’re ready to apply for a mortgage. If you have a low score, you will need time to raise it. And sometimes fraudulent activity or erroneous information will appear on your report, which can take months to correct.

 

The credit score most lenders use is your FICO score, a weighted score developed by the Fair Isaac Corporation that takes into account your payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%).1

 

Source: myFico.com

 

 

Base FICO scores range from 300 to 850. A higher FICO score will help you qualify for a lower mortgage interest rate, which will save you money.2

 

By federal law, you are entitled to one free copy of your credit report every 12 months from each of the three major credit bureaus (Equifax, Experian and Transunion). Request your free credit report at https://www.annualcreditreport.com.

 

Minimum Score Requirements

 

To qualify for the lowest interest rates available, you will usually need a FICO score of 760 or higher. Most lenders require a score of at least 620 to qualify for a conventional mortgage.3

 

If your FICO score is less than 620, you may be able to qualify for a non-conventional mortgage. However, you should expect to pay higher interest rates and fees. For example, you may be able to secure an FHA loan (one issued by a private lender but insured by the Federal Housing Administration) with a credit score as low as 580 if you can make a 3.5 percent down payment. And FHA loans are available to applicants with credit scores as low as 500 with a 10 percent down payment.4

 

Increase Your Credit Score

 

There’s no quick fix for a low credit score, but the following steps will help you increase it over time.5

 

1. Make Payments on Time

At 35 percent, your payment history accounts for the largest portion of your credit score. Therefore, it’s crucial to get caught up on any late payments and make all of your future payments on time.

 

If you have trouble remembering to pay your bills on time, set up payment reminders through your online banking platform, a free money management tool like Mint, or an app like BillMinder.

 

2. Avoid Applying for New Credit You Don’t Need

New accounts will lower your average account age, which could negatively impact your length of credit history. Also, each time you apply for credit, it can result in a small decrease in your credit score.

 

The exception to this rule? If you don’t have any credit cards—or any credit accounts at all—you should open an account to establish a credit history. Just be sure to use it responsibly and pay it off in full each month.

 

If you need to shop for a new credit account, for example, a car loan, be sure to complete your loan applications within a short period of time. FICO attempts to distinguish between a search for a single loan and applications to open several new lines of credit by the window of time during which inquiries occur.

 

3. Pay Down Credit Cards

When you pay off your credit cards and other revolving credit, you lower your amounts owed, or credit utilization ratio (ratio of account balances to credit limits). Some experts recommend starting with your highest-interest debt and paying it off first. Others suggest paying off your lowest balance first and then rolling that payment into your next-lowest balance to create momentum.

 

Whichever method you choose, the first step is to make a list of all of your credit card balances and then start tackling them one by one. Make the minimum payments on all of your cards except one. Pay as much as possible on that card until it’s paid in full, then cross it off your list and move on to the next card.

 

Debt

Interest Rate

Total Payoff

Minimum Payment

Credit Card 1

12.5%

$460

$18.40

Credit Card 2

18.9%

$1,012

$40.48

Credit Card 3

3.11%

$6,300

$252

 

 

4. Avoid Closing Old Accounts

Closing an old account will not remove it from your credit report. In fact, it can hurt your score, as it can raise your credit utilization ratio—since you’ll have less available credit—and decrease your average length of credit history.

 

Similarly, paying off a collection account will not remove it from your report. It remains on your credit report for seven years, however, the negative impact on your score will decrease over time.

 

5. Correct Errors on Your Report

Mistakes or fraudulent activity can negatively impact your credit score. That’s why it’s a good idea to check your credit report at least once per year. The Federal Trade Commission has instructions on their website for disputing errors on your report.

 

While it may seem like a lot of effort to raise your credit score, your hard work will pay off in the long run. Not only will it help you qualify for a mortgage, a high credit score can help you secure a lower interest rate on car loans and credit cards, as well. You may even qualify for lower rates on insurance premiums.6

 

 

STEP 2: SAVE UP FOR A DOWN PAYMENT AND CLOSING COSTS

 

The next step in preparing for your home purchase is to save up for a down payment and closing costs.

 

Down Payment

 

When you purchase a home, you typically pay for a portion of it in cash (down payment) and take out a loan to cover the remaining balance (mortgage). 

 

Many first-time buyers wonder: How much do I need to save for a down payment? The answer is … it depends.

 

Generally speaking, the higher your down payment, the more money you will save on interest and fees. For example, you will qualify for a lower interest rate and avoid paying for mortgage insurance if your down payment is at least 20 percent of the property’s purchase price. But what if you can’t afford to put down 20 percent?

 

On a conventional loan, you will be required to purchase private mortgage insurance (PMI) if your down payment is less than 20 percent. PMI is insurance that compensates your lender if you default on your loan.7

 

PMI will cost you between 0.3 to 1.5 percent of the overall mortgage amount each year.8 So, on a $100,000 loan, you can expect to pay between $300 and $1500 per year for PMI until your mortgage balance falls below 80 percent of the appraised value.9 For a conventional mortgage with PMI, most lenders will accept a minimum down payment of five percent of the purchase price.7

 

If a five-percent down payment is still too high, an FHA-insured loan may be an option for you. Because they are guaranteed by the Federal Housing Administration, FHA loans only require a 3.5 percent down payment if your credit score is 580 or higher.7

 

The downside of getting an FHA loan? You’ll be required to pay an upfront mortgage insurance premium (MIP) of 1.75 percent of the total loan amount, as well as an annual MIP of between 0.80 and 1.05 percent of your loan balance on a 30-year note. There are also certain limitations on the types of loans and properties that qualify.10

 

There are a variety of other government-sponsored programs created to assist home buyers, as well. For example, veterans and current members of the Armed Forces may qualify for a VA-backed loan requiring a $0 down payment.7 Consult a mortgage lender about what options are available to you.

 

TYPE

MINIMUM DOWN

ADDITIONAL FEES

Conventional Loan

20%

Qualify for the best rates and no mortgage insurance required

Conventional Loan

5%

Must purchase private mortgage insurance costing 0.3 - 1.5% of mortgage annually

FHA Loan

3.5%

Upfront mortgage insurance premium of 1.75% of loan amount and annual fee of 0.8 - 1.05%

 

 

Current Flagstaff Homeowners

If you’re a current homeowner, you may have equity in your home that you can use toward your down payment on a new home. We can help you estimate your expected return after you sell your current home and pay back your existing mortgage. Contact us for a free evaluation!

 

Closing Costs

 

Closing costs should also be factored into your savings plan. These may include loan origination fees, discount points, appraisal fees, title searches, title insurance, surveys and other fees associated with the purchase of your home. Closing costs vary but typically range between two to five percent of the purchase price.11

 

If you don’t have the funds to pay these outright at closing, you can often add them to your mortgage balance and pay them over time. However, this means you’ll have a higher monthly payment and pay more over the long term because you’ll pay interest on the fees.

 

 

STEP 3: ESTIMATE YOUR HOME PURCHASING POWER

 

Once you have the required credit score, savings for a down payment and a list of all your outstanding debt obligations via your credit report, you can assess whether you are ready and able to purchase a home.

 

It’s important to have a sense of how much you can reasonably afford—and how much you’ll be able to borrow—to see if homeownership is within reach.

 

Your debt-to-income (DTI) ratio is one of the main factors mortgage companies use to determine how much they are willing to lend you, and it can help you gauge whether or not your home purchasing goals are realistic given your current financial situation.

 

Your DTI ratio is essentially a comparison of your housing expenses and other debt versus your income. There are two different DTI ratios that lenders consider:

 

Front-End Ratio

 

Also called the housing ratio, this is the percentage of your income that would go toward housing expenses each month, including your mortgage payment, private mortgage insurance, property taxes, homeowner’s insurance and association dues.12

 

To calculate your front-end DTI ratio, a lender will add up your expected housing expenses and divide it by your gross monthly income (income before taxes). The maximum front-end DTI ratio for most mortgages is 28 percent. For an FHA-backed loan, this ratio must not exceed 31 percent.13

 

Back-End Ratio

 

The back-end ratio takes into account all of your monthly debt obligations: your expected housing expenses PLUS credit card bills, car payments, child support or alimony, student loans and any other debt that shows up on your credit report.12

 

To calculate your back-end ratio, a lender will tabulate your expected housing expenses and other monthly debt payments and divide it by your gross monthly income (income before taxes). The maximum back-end DTI ratio for most mortgages is 36 percent. For an FHA-backed loan, this ratio must not exceed 41 percent.13

 

Home Affordability Calculator

 

To get a sense of how much home you can afford, visit the National Association of Realtors’ free Home Affordability Calculator at https://www.realtor.com/mortgage/tools/affordability-calculator.

 

This handy tool will help you determine your home purchasing power depending on your location, annual income, monthly debt and down payment. It also offers a monthly mortgage breakdown that projects what you would pay each month in principal and interest, property taxes, and home insurance.

 

The Home Affordability Calculator defaults to a back-end DTI ratio of 36 percent. If the monthly cost estimate at that ratio is significantly higher than what you’re currently paying for housing, you need to consider whether or not you can make up the difference each month in your budget.

 

If not, you may want to lower your target purchase price to a more conservative DTI ratio. The tool enables you to scroll through higher and lower price points to see the impact on your monthly payments so you can identify your ideal price point.

 

(Note: This tool only provides an estimate of your purchasing power. You will need to secure pre-approval from a mortgage lender to know your true mortgage approval amount and monthly payment projections.)

 

Can I Afford to Buy My Flagstaff Dream Home?

 

Once you have a sense of your purchasing power, it’s time to find out which Flagstaff neighborhoods and types of homes you can afford. The best way to determine this is to contact a licensed real estate agent. We help homeowners like you every day and can send you a comprehensive list of homes within your budget that meet your specific needs.

 

If there are homes within your price range and target neighborhoods that meet your criteria—congratulations! It’s time to begin your home search.

 

If not, you may need to continue saving up for a larger down payment … or adjust your search parameters to find homes that do fit within your budget. We can help you determine the right course for you.

DOWNLOAD YOUR FREE REPORT- The Home Buyer's Guide to getting Mortgage Ready 

 

START LAYING YOUR FOUNDATION TODAY

 

It’s never too early to start preparing financially for a home purchase. These three steps will set you on the path toward homeownership … and a secure financial future!

 

And if you are ready to buy now but don’t have a perfect credit score or a big down payment, don’t get discouraged. There are resources and options available that might make it possible for you to buy a home sooner than you think. We can help.

 

Want to find out if you’re ready to buy a house in the Flagstaff/Sedona area? Give us a call/text at 928.606.6749! We’ll help you review your options, connect you with one of our trusted mortgage lenders, and help you determine the ideal time to begin your new home search.

 

 

 

The above references an opinion and is for informational purposes only.  It is not intended to be financial advice. Consult a financial professional for advice regarding your individual needs.

 

 

Sources:

  1. Quicken Loans Blog –
    https://www.quickenloans.com/blog/how-does-your-credit-score-affect-your-mortgage-eligibility
  2. myFICO –
    https://www.myfico.com/credit-education/credit-report-credit-score-articles/
  3. Bankrate –
    https://www.bankrate.com/mortgages/what-is-a-good-credit-score-to-buy-a-house/
  4. Bankrate –
    https://www.bankrate.com/finance/mortgages/7-crucial-facts-about-fha-loans-1.aspx
  5. myFICO –
    https://www.myfico.com/credit-education/improve-your-credit-score/
  6. The Balance –
    https://www.thebalance.com/having-good-credit-score-960528
  7. Bankrate –
    https://www.bankrate.com/mortgages/how-much-is-a-down-payment-on-a-house/
  8. Bankrate –
    https://www.bankrate.com/finance/mortgages/the-basics-of-private-mortgage-insurance-pmi.aspx
  9. Bankrate –
    https://www.bankrate.com/finance/mortgages/removing-private-mortgage-insurance.aspx
  10. The Balance –
    https://www.thebalance.com/fha-home-loan-pitfalls-315673
  11. Investopedia –
    https://www.investopedia.com/terms/c/closingcosts.asp
  12. Bankrate –
    https://www.bankrate.com/finance/mortgages/why-debt-to-income-matters-in-mortgages-1.aspx
  13. The Lenders Network –
    https://thelendersnetwork.com/fha-debt-to-income-ratio/

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Posted in Home BuyingTips
March 23, 2018

Flagstaff AZ Real Estate Market Update- February 2018

Flagstaff AZ Real Estate Market Data Provided by The Kelly Broaddus Real Estate Advisors Team / by Joselyn Uy

 FEBRUARY 2018 Flagstaff Home Sales

 

Winter Slow Down Flagstaff 's Housing Market In February 2018

 

US HOME SALES: "Persistently and relentlessly tight inventory, rising mortgage interest rates and a series of nasty winter storms likely combined to keep February home sales activity muted, especially sales of existing homes," Aaron Terrazas, Zillow Senior Economist

FLAGSTAFF HOME SALES: This February there were a total of 46 sales in the greater Flagstaff region, a 10% drop from a year ago. February Housing sales slowed as winter returned to the mountains and inventory of affordable homes remain unable to cope with buyer demand. February is traditionally the slowest month of the year and we sometimes see statistical anomalies. 

 

FLAGSTAFF MEDIAN HOME PRICE

 

Prices declined 6% with the median sale price coming in for the month at $361,250.  The average price paid per-square-foot, however, rose to $214 which represents a new February high. 

 

February 2018 Flagstaff Market Watch Summary 

 

Flagstaff Real EstateTotal Home Sales- 46 homes, down 10% vs Feb 2017. 

Median Home Price- $361,250,  down 6% vs Feb 2017

Mortgage rates down A 30 year fixed rate mortgage with 5% down and very good credit plunged to 3.75%. 

Average Days on Market: 99 days, 60% of homes that closed in February was on the market for less than 90 days. More homes sold within 90 days compared to last month's 44%. Days on market typically decline closer to the spring and summer buying season.

Longest days on market: 312 days, this property is also February 2018's priciest home (sold)

Days on Market is the number of days between when a home is first listed in an MLS and a sales contract is signed. US luxury homes sold a day faster in February with median days on market down to 60 days from 61 days in January. See the February 2018 Luxury Market Report.

 

February 2018 HIGHLIGHTS 

FLAGSTAFF LUXURY HOMES (SOLD)

  • $1,005,000 - No surprise here, it's another mouthwatering country club home from the Flagstaff's Pine Canyon area
  • $750,000 It's a 3 bedroom Elk Pass townhome with expansive views of the 12th green and fairway in the exclusive golf community of Pine Canyon. 

AFFORDABLE  FLAGSTAFF HOMES (SOLD)

  • $178,900-  South of Flagstaff, another Kachina Village home tops the list of February 2018's most affordable single-family Flagstaff home
  • $180,000 -  West side of FlagstaffThe Village at University Heights 2 bedroom 2nd-floor condo 
  • $205,000 - Northeast side of Flagstaff, Arroyo Seco 2 bedroom townhome in the Sunnyside area 

 

Flagstaff Home Buyer Advice 

 "With demand remaining above its pre-recession peak, prospective home buyers are in for another tough spring home buying season as ready home buyers descend on a scant number of homes," Cheryl Young, Trulia Senior Economist

In Flagstaff, the number of homes for sale has improved with 3.64 months of inventory, a 14% increase compared to the same period last year. However, a balanced market has a 6 month supply.

  • If you are looking to buy under $400k, expect strong competition from millennials and baby boomers. 
  • Move up buyers will have a great opportunity to sell high and face less competition at the higher price ranges.

As prices rise the ability to purchase a home is becoming more dependent on the buyer’s ability to acquire financing. Need a lender recommendation for your home loan? We work with trusted lenders who will walk you through the entire process and have your best interest at heart. Contact Kelly today and we will get you one of our trusted lender that best fits your needs. 

Flagstaff Home Seller Advice 

For sellers, there is a huge opportunity to sell at these price points: under $500,000 and at 1M-1.1M in the luxury market. However, listing your home at these prices don't guarantee a fast sale or an offer over asking price. It’s crucial to work with a qualified real estate agent who will price and market your property right. Not just a professional, but an amazing agent and a market expert.  Check out: The Consumer’s Guide to Hiring an Amazing Real Estate Agent in Flagstaff

We are your Flagstaff home experts! Contact us at 888.446.5602 or email kelly.broaddus@exprealty.com if you need specific data mentioned in this report.  

 Download the full Flagstaff Market Report here

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