Ask Angela, Owensboro's Real Estate Source

Tax Credit for Homebuyers: A Quick Overview

Fri, 29 Jan 2010 14:19:26 -0600

Tax Credit for Homebuyers

First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

What are the New Deadlines?

In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

Tax Credit Versus Tax Deduction

It's important to remember that the tax credit is just that... a tax credit. The benefit of a tax credit is that it's a dollar-for-dollar tax reduction, rather than a reduction in a tax liability that would only save you $1,000 to $1,500 when all was said and done. So, if a first-time homebuyer were to owe $8,000 in income taxes and would qualify for a tax credit of $8,000, she would owe nothing.

Better still, the tax credit is refundable, which means the homebuyer can receive a check for the credit if he or she has little income tax liability. For example, if a first-time homebuyer is eligible for a tax credit of $8,000 but is liable for $4,000 in income tax, she can still receive a check for the remaining $4,000!

Higher Income Caps

The amount of income someone can earn and qualify for the full amount of the credit has been increased.

Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, single filers who earn $145,000 and above are ineligible

Joint filers who earn up to $225,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, joint filers who earn $245,000 and above are ineligible.

Maximum Purchase Price

Qualifying buyers may purchase a property with a maximum sale price of $800,000.

New to Market in East Owensboro-Kentucky's desirable "Timber Ridge!" 4 bedroom, 3 bath home for sale with Luxury Details

Thu, 21 Jan 2010 13:32:43 -0600

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

4823 Oak Meadow Court, Owensboro, KY

Hidden in desirable "Timber Ridge" estates

4BR/3BA Single Family House

offered at $324,900

Year Built	2002
Sq Footage	4,000
Bedrooms	4
Bathrooms	3 full, 0 partial
Floors	2
Parking	2 Car garage
Lot Size	1 acres
HOA/Maint	$0 per month

DESCRIPTION

Deceivingly spacious custom home boasts high-end details: 9' ceilings, 2 fireplaces, one of which is a see-thru from 2 different rms. Luxe kitchen with granite. Dacor Refrigerator. Miele Dishwaser. Copper faucet. Bayed nesting room located within kitchen, ideal for casual gatherings. Formal Din Rm with Cherry Hardwood. Bamboo flrs in secondary bdrms. Master Suite has pampering bath. Basement features media rm, w/ 50' Mitsubishi DLP TV included. 4th bdrm & 3rd bath in Basement level. Outside, Private courtyard. New Cedar Privacy Fence. Move in perfect. Contact Angela Clark, Realtor with Tony Clark Realtors 270-926-0055 ext 407

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Walk-in closet
- Hardwood floor	- Tile floor	- Family room
- Living room	- Bonus/Rec room	- Office/Den
- Dining room	- Dishwasher	- Refrigerator
- Stove/Oven	- Microwave	- Granite countertop
- Stainless steel appliances	- Basement	- Washer
- Dryer	- Laundry area - inside	- Balcony, Deck, or Patio
- Yard	- Jacuzzi/Whirlpool

COMMUNITY FEATURES

- Garage parking

ADDITIONAL PHOTOS

Photo 1	Entry
Formal Living Room	Dining Room
Gourmet Kitchen	Media Room in Basement

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Jan 19, 2010, 6:55am PST

4 bdrm, 2.5 bath home in Owensboro-Daviess County's "Stonegate" community!

Thu, 21 Jan 2010 13:27:39 -0600

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

3707 Cobblestone Court, Owensboro, KY

Gorgeous Home in "Stonegate" community

4BR/2+1BA Single Family House

offered at $199,900

Year Built	1990
Sq Footage	2,586
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	2
Parking	2 Car garage
Lot Size	0 sqft
HOA/Maint	$10 per month

DESCRIPTION

Prepare to fall in love... Fantastic floorplan features an open inviting 1st floor: Formal Dining, Living & open Kitchen. Fireplace. Bonus room ideal as home office. Plus 1st level Owner's Suite. 3 more bedrooms upstairs. Many updates, including new roof. Located on a large corner lot, off a quiet cul-de-sac court. Daviess County Public Schools district. County Taxes. Must have appointment: call Tony Clark Realtors, request Sue Davis, asst to broker Tony Clark 270-926-0055 ext 405

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Family room
- Living room	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Microwave	- Laundry area - inside	- Balcony, Deck, or Patio
- Yard	- Jacuzzi/Whirlpool	- Sauna

COMMUNITY FEATURES

- Garage parking

OTHER SPECIAL FEATURES

- Stunning Interior Decor & Condition!

ADDITIONAL PHOTOS

Front View	Gorgeous Interior!
Photo 3	Living Room
Dining Room	Kitchen view2

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Jan 19, 2010, 11:09am PST

Just Reduced in desirable "Spring Bank" area!

Tue, 19 Jan 2010 14:11:01 -0600

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

4323 Edgewood Court, Owensboro, KY

Stately Brick 2-story in desirable "Spring Banks"

4BR/2+1BA Single Family House

offered at $254,000

Year Built	1994
Sq Footage	2,922
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	2
Parking	3 Car garage
Lot Size	0.36 acres
HOA/Maint	$0 per month

DESCRIPTION

Spring Bank! 2922 sq ft Traditional 2-story offers 4 Bdrm, 2.5 baths. Formal Living & Dining Rooms, ideal for gracious entertaining. Numerous updates: hand-scraped hardwood floors flow from Formal Living & Dining Rooms. Fireplace in Great Rm. Hickory cabinetry & new decorative tile backsplash in Kitchen. Rear covered back porch. Deck. Park-like Yard. New dimensional roof. 3rd garage bay currently used as office w/ heat/air. Located on quiet cul-de-sac. Choice Spring Bank Community features one entrance-exit, tall trees & hidden walking trails, within minutes of anywhere. Move-in condition. Available for sale thru Angela Clark, Realtor, with Tony Clark Realtors 270-926-0055 ext 407

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- Walk-in closet	- Hardwood floor	- Tile floor
- Family room	- Living room	- Bonus/Rec room
- Office/Den	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Microwave	- Stainless steel appliances	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard	- Jacuzzi/Whirlpool

COMMUNITY FEATURES

- Secured entry

OTHER SPECIAL FEATURES

- Hidden on a quiet court in desirable "Spring Banks"

- Traditional 2-story Brick has Williamsburg Inspired Exterior

- 2922 sq ft, 4 bdrms, 2.5 baths

- MLS # 52245

- Reduced to $254,000!

ADDITIONAL PHOTOS

Front Exterior	Rear Exterior
Rear Deck/Patio	Rear Deck
Family Room	Kitchen

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Jan 19, 2010, 6:54am PST

The Best of Southern Living! Home on 10 acres in Daviess County, Kentucky

Tue, 19 Jan 2010 14:09:49 -0600

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

12150 Redhill Maxwell Road, Utica, KY

The Best of Southern Living! 10 acres surround Charming Home!

3BR/2+1BA Single Family House

offered at $225,000

Year Built	2001
Sq Footage	2,466
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	Unspecified
Parking	1 Car garage
Lot Size	10 acres
HOA/Maint	$0 per month

DESCRIPTION

No Sign: Hidden! Located on 10+ acres, this 2-story is the best of Southern Living! Massive covered porch wraps around home. Sleek appliances, tile backsplash in kitchen. Formal Din Rm. Massive Family Rm has stained glass lighting & reclaimed barn wood floors! Stunning Stone fireplace with massive hearth/mantel. 1st floor bedroom, plus 3 more upstairs! Detached garage/workshop & picnic shelter.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Hardwood floor
- Tile floor	- Family room	- Living room
- Dining room	- Breakfast nook	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard	- Sauna

COMMUNITY FEATURES

- Garage parking

OTHER SPECIAL FEATURES

- No Sign. Directions: Take Hwy 431 S.

- Turn left on Hwy 140.

- Yield right onto Greenbriar Rd.

- At intersection of Greenbriar Turn Right. Property on Right

ADDITIONAL PHOTOS

Main	Closeup
Photo 3	Photo 4
Photo 5

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Jan 19, 2010, 6:54am PST

SOLD! 401 Maple Avenue Owensboro Kentucky

Fri, 23 Oct 2009 23:06:44 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

401 Maple Avenue, Owensboro, KY

Exceptional Home, Choice Location; near New Library!

3BR/2BA Single Family House

offered at $169,900

Year Built	1950
Sq Footage	3,000
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	3
Parking	2 Car garage
Lot Size	0.22 acres
HOA/Maint	$0 per month

DESCRIPTION

Exceptional Home, Choice Location; near New Library! Charming 1.5 story with Basement boasts lovely decor & many updates. Crown mouldings, Hardwood Floors, 2 fireplaces. Completely updated bathrooms. Kitchen features dramatic black cabinetry & bayed dining nook. Formal Dining Room. Pampering Owner's Retreat on 2nd floor features 3 closets, one of which a massive walk-in. Need storage? This home has it all! Fenced rear yard features low-maintenance perrenials, planting beds accented with stone. Detached garage features covered carport, currently used as outdoor entertaining. You'll love it!

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- Walk-in closet	- Hardwood floor	- Tile floor
- Family room	- Living room	- Dining room
- Breakfast nook	- Refrigerator	- Stove/Oven
- Basement	- Laundry area - inside	- Balcony, Deck, or Patio

COMMUNITY FEATURES

- Garage parking

OTHER SPECIAL FEATURES

- Charming 1.5 story with Basement

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 19, 2009, 4:07pm PDT

Available thru agent: Angela R. Clark with real estate brokerage: Tony Clark Realtors LLC of Owensboro Kentucky 270-926-0055
View online http://www.TonyClark.com or http://www.AngelaRClark.com

Choice Home in Wesleyan Heights

Fri, 23 Oct 2009 22:50:50 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

2924 Western Pkwy, Owensboro, KY

Charming Home, Exceptionally Maintained in choice "Wesleyan
Heights" area!

4BR/2BA Single Family House

offered at $169,900

Year Built	1955
Sq Footage	2,600
Bedrooms	4
Bathrooms	2 full, 0 partial
Floors	Unspecified
Parking	1 Car garage
Lot Size	10,000 sqft
HOA/Maint	$0 per month

DESCRIPTION

Deceivingly Spacious! 1.5 story brick offers 2 bedrooms & 1 full bath on main level; 2 more bedrooms, 2nd full bath, rec room & storage room on 2nd level. Gorgeous details: Crown molding. 2 fireplaces! Custom Maple built-ins flank both left & right side of the Liv Rm fireplace. 13.5' x 35' Rear Addition includes casual family & massive hobby-art-laundry room. Hardwood floors. Replacement Windows. Irrigation System in Front Yard. 6' Vinyl Fencing. Deck, Concrete Patio. Storage Bldg. Enclosed Carport now serves as attached garage.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- Walk-in closet	- Hardwood floor	- Tile floor
- Living room	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Laundry area - inside	- Yard

COMMUNITY FEATURES

- Garage parking

ADDITIONAL PHOTOS

Main Front	Living Room
Kitchen	Family Room
Family Room2	Dining

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 23, 2009, 2:49pm PDT

12150 Redhill Maxwell Road, Utica, Kentucky 42376

Fri, 23 Oct 2009 22:48:10 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

12150 Redhill Maxwell Road, Utica, KY

The Best of Southern Living! 10 acres surround Charming Home!

3BR/2.5BA Single Family House

offered at $225,000

Year Built	2001
Sq Footage	2,466
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	Unspecified
Parking	1 Car garage
Lot Size	10 acres
HOA/Maint	$0 per month

DESCRIPTION

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Hardwood floor
- Tile floor	- Family room	- Living room
- Dining room	- Breakfast nook	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard	- Sauna

COMMUNITY FEATURES

- Garage parking

OTHER SPECIAL FEATURES

- No Sign. Directions: Take Hwy 431 S.

- Turn left on Hwy 140.

- Yield right onto Greenbriar Rd.

- At intersection of Greenbriar Turn Right. Property on Right

ADDITIONAL PHOTOS

Main	Closeup
Photo 3	Photo 4
Photo 5

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Dec 23, 2009, 7:40pm PDT

Sorry, this property is no longer for sale! Local Artist's Personal Residence

Mon, 19 Oct 2009 15:49:33 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

519 East 27th, Owensboro, KY

Local Artist's Personal Home, Completely Updated in 1999

2BR/1BA Single Family House

offered at $66,500

Year Built	1948
Sq Footage	840
Bedrooms	2
Bathrooms	1 full, 0 partial
Floors	1
Parking	1 Car garage
Lot Size	0.22 acres
HOA/Maint	$0 per month

DESCRIPTION

Completely remodeled in 1999 by JD Tong, with new wood cabinets, countertops, dishwasher in Kitchen. Replacement Windows. New Heat & Air 1998. New plumbing in 1999. New electrical 1999. Roof 10 yrs old. Lovely decor! Open Liv Rm currently used as Art Studio. 2nd Bedrm currently used as Living Room. Beautiful hardwood floors. Rear yard backs up to field: no neighbors behind this home. Detached garage currently used as storage shed. EXEMPT items: Antique Acorn Range & Antique Fridge. GO GREEN: This home features EXTRAORDINARY low utilities. At $66,500, This home is a must-see!

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Hardwood floor
- Tile floor	- Living room	- Dishwasher
- Laundry area - inside

COMMUNITY FEATURES

- Garage parking

OTHER SPECIAL FEATURES

- Charming Home, hidden near Catalina Dr in Owensboro KY

ADDITIONAL PHOTOS

Exterior	Art Studio
Liv Rm	Kitchen
Kitchen2	Bedroom

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 19, 2009, 12:41pm PDT

Choice Home in "Stone Gate" Owensboro Kentucky

Wed, 14 Oct 2009 16:39:13 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

3707 Cobblestone Court, Owensboro, KY

Gorgeous Home in "Stonegate" community

4BR/2.5BA Single Family House

offered at $199,900

Year Built	1990
Sq Footage	2,586
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	2
Parking	2 Car garage
Lot Size	0 sqft
HOA/Maint	$10 per month

DESCRIPTION

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Family room
- Living room	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Microwave	- Laundry area - inside	- Balcony, Deck, or Patio
- Yard	- Jacuzzi/Whirlpool	- Sauna

COMMUNITY FEATURES

- Garage parking

OTHER SPECIAL FEATURES

- Stunning Interior Decor & Condition!

ADDITIONAL PHOTOS

Photo 1	Exterior Corner
Living Room	Dining Room
Kitchen view2	Owners Bath view1

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 14, 2009, 1:27pm PDT

Preparing for Home Ownership (Just for First Time Buyers)

Wed, 30 Sep 2009 09:47:35 -0500

If you're considering buying your first home, you're not alone. Low interest rates, affordable home values as well as a $8000 tax credit* have many Americans considering purchasing their first home. It's important to be prepared to act when the right home finds you.

10 Steps to Prepare for Home ownership:

1. Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.

2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.

3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.

4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 percent of the home price.

5. Get your credit in order. Obtain a copy of your credit report.

6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.

7. Organize all the documentation a lender will need to pre-approve you for a loan.

8. Do research to determine if you qualify for any special mortgage or down-payment-assistance programs.

9. Calculate the costs of home ownership, including property taxes, insurance, maintenance, and association fees, if applicable.

10. Find an experienced Tony Clark REALTOR^® who can help you through the process.

Ready to Buy a Home? Let Angela Clark's experience be your guide!

Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

5 Factors That Decide Your Credit Score

Wed, 30 Sep 2009 09:41:55 -0500

Because knowledge is power, I wanted to share this information from www.TonyClark.com

Home Buyer's Resources Center.... -Angela Clark, Realtor, Tony Clark Realtors LLC

5 Factors That Decide Your Credit Score:

Credit scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage. These factors will affect your score.

1. Your payment history. Whether you paid credit card obligations on time.

2. How much you owe. Owing a great deal of money on numerous accounts can indicate that you are overextended.

3. The length of your credit history. In general, the longer the better.

4. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay promptly.

5. The types of credit you use. Generally, it's desirable to have more than one type of credit-installment loans, credit cards, and a mortgage, for example.

For more on evaluating and understanding your credit score, visit http://www.myfico.com/?lpid=NARI3.

Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Understanding Your Credit is CRITICAL to buying a home.

Wed, 30 Sep 2009 09:39:39 -0500

Understanding Your Credit
Your credit report is a record of information about your credit payment history. Private companies called credit bureaus compile credit reports. There are three primary credit bureaus in the United States: Equifax, Experian, and TransUnion. Each of the credit bureaus gathers information about consumers from a combination of public records, such as court documents and property tax rolls, and reports provided by businesses, such as banks, finance companies, and utility companies.
You can purchase a copy of your credit report directly from each of the credit bureaus. If you are denied credit based on information in a credit report, the lender must tell you which reporting bureau was used, and the credit bureau must then provide you with a copy free of charge. If you disagree with information in your credit report, you have the right to challenge that information. If you want to purchase an on-line version of your personal credit report, please contact:
Equifax 1600 Peachtree St. NW Atlanta, Georgia 30309 1-800-685-1111 http://www.equifax.com/	Experian 34405 W. 12 Mile Rd. Farmington Hills, MI 48331 1-888-397-3742 http://www.experian.com/	Trans Union P.O. Box 390 Springfield, PA 19064-0390 1-800-916-8800 http://www.transunion.com/

At Tony Clark Real Estate, we depend on information in your credit report to help us decide if we can extend to you a rental housing agreement or purchasing property. If you're not sure what's in your credit report, may we suggest you review it before applying for a loan. Many consumer experts suggest that you review your credit report for accuracy at least once a year. Don't assume that you must have perfect credit to qualify for a loan. There are numerous financial products available, tailored to the needs of the individual. Mortgage programs such as FHA (Federal Housing Administration) and VA (Veteran's Administration) allow for a greater income to debt ratio. Talk to your Tony Clark agent that may be available to you, and to the home you are wanting to purchase.

Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Foreclosure Help for Consumers

Wed, 30 Sep 2009 09:38:16 -0500

Are you having difficulty making your mortgage payment? One of the most important things you can do is seek assistance, now! The following links and resources may offer answers to your questions. The Realtors at Tony Clark Realtors offer resources and information for your convenience.


The Department of Housing and Urban Development (HUD)
	Housing Counseling Agencies
	Tips for Avoiding Foreclosure
	How to Avoid Foreclosure (82 KB PDF)

Federal Housing Administration (FHA)
	You Can Avoid Foreclosure and Keep Your Home

Federal Reserve System
	Federal Reserve Education - Foreclosure Resources
	Putting Your Home on the Loan Line Is Risky Business

Federal Trade Commission
	Mortgage Payments Sending You Reeling? Here's What to Do
	Credit Repair: Self Help May Be Best

Internal Revenue Service
	Homeowners Who Lose Homes; Foreclosure Tax Relief Available to Many
	Questions and Answers on Home Foreclosure and Debt Cancellation

Federal Reserve System
	Consumer Information from the FRS

Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Sorry, this property is No Longer Listed.

Mon, 28 Sep 2009 14:07:26 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

Owensboro, KY

Sprawling Ranch with Full Basement!

3BR/3BA Single Family House

offered at $259,900

Year Built	1975
Sq Footage	4,000
Bedrooms	3
Bathrooms	3 full, 0 partial
Floors	2
Parking	Unspecified
Lot Size	14,000 sqft
HOA/Maint	$0 per month

DESCRIPTION

Desirable Spring Banks! Sprawling Ranch with Basement features gracious living. 3848 sq ft includes 3 bedrooms, 2 full baths. Formal Living, Dining, plus Vaulted Great Rm with fireplace on Main Level. Family Room with 2nd fireplace, 4th Bedroom-Home Office, Storage-Utility-Laundry all in Basement. Awesome rear deck accessible from Sunroom, Great Rm or Master Bedrm. Hot Tub. Tree Fort. Updates systems: Heat, Air replaced in 2002. Main plumbing line replaced in 2000. Roof 6 yrs old. Invisible pet fencing. Virtual Tour. This house's size & space will delight your buyers! Absolutely the best value on the market today

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Hardwood floor
- Family room	- Bonus/Rec room	- Office/Den
- Dining room	- Breakfast nook	- Dishwasher
- Refrigerator	- Stove/Oven	- Basement
- Laundry area - inside	- Laundry area - garage	- Balcony, Deck, or Patio
- Yard	- Jacuzzi/Whirlpool

OTHER SPECIAL FEATURES

- Located on tree-lined home site in desirable "Spring Bank" area

ADDITIONAL PHOTOS

Front Exterior	Frotn Exterior
Rear Deck	Sunroom
Dining Room

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Sep 28, 2009, 10:51am PDT

Just Reduced! 4323 Edgewood Court, Owensboro Kentucky

Mon, 28 Sep 2009 13:55:56 -0500

Angela Clark | Tony Clark Realtors, LLC | 270-926-0055

4323 Edgewood Court, Owensboro, KY

Stately Brick 2-story in desirable "Spring Banks"

4BR/2.5BA Single Family House

offered at $254,000

Year Built	1994
Sq Footage	2,922
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	2
Parking	3 Car garage
Lot Size	0.36 acres
HOA/Maint	$0 per month

DESCRIPTION

Hand-scraped hardwood floors. New tumbled stone backsplash & countertop, custom hickory cabinets in Kitchen. Ultra Pampering Master Suite w/ reading nook & trey-coffeur ceiling. Bonus Rm accessible thru Massive Master Closet. Triple glass doors led to covered rear porch. Deck. Park-like Yard. New dimensional roof. 3rd garage bay currently used as office w/ heat/air. Located on quiet cul-de-sac. Choice Spring Bank Community features one entrance-exit, tall trees & hidden walking trails, within minutes of anywhere. Move-in condition.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- Walk-in closet	- Hardwood floor	- Tile floor
- Family room	- Living room	- Bonus/Rec room
- Office/Den	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Microwave	- Stainless steel appliances	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard	- Jacuzzi/Whirlpool

COMMUNITY FEATURES

- Secured entry

OTHER SPECIAL FEATURES

- Hidden on a quiet court in desirable

ADDITIONAL PHOTOS

Front Exterior	Rear Exterior
Rear Deck/Patio	Rear Deck
Family Room	Kitchen

Contact info:

Angela Clark

Tony Clark Realtors, LLC

270-926-0055

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 1, 2010, 10:37am PDT

SOLD at Auction! Brick Home Near Hilltop Area

Fri, 11 Sep 2009 14:52:13 -0500

Extreme Makeover, Home Edition! Happening Here, NOW!

Fri, 11 Sep 2009 11:36:27 -0500

How do you build a house in 7 days? That was the question asked of Thompson Homes & Extreme Makeover Home Edition. And the Owensboro-Daviess County community responded with "Teamwork!"

Since the surprise knock on Steve & Melissa Mattingly's door on Saturday September 5th to today, there's been more than hammering & painting going... The volunteers have redefined what makes our "community" so great.

"The power of people who are teaming up to do something because they want to and not because they have to is an awesome thing." Thompson Homes

Read the story of this amazing family's journey & the home's progress at our newpspaper, Messenger Inqurier: http://www.messenger-inquirer.com/articles/2009/09/11/news/local/15485146.txt

Capture Moments Photography has created an online photo gallery that is simply incredible: http://www.facebook.com/p.php?i=558036650&k=5ZM3ZXQ5UT2A3KFBSFZ&oid=1074599560202

MOVE THAT BUS!!!!

Sorry, this property is no longer available.

Wed, 12 Aug 2009 15:18:18 -0500

Ready to Move up? Or thinking of downsizing with style? Give Angela a call at 270-929-4022 & discuss your home options. Let Angela Clark's experience be your guide! www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Sorry,This property is no longer available

Fri, 17 Jul 2009 19:43:12 -0500

Is now the time to buy a home? Give Angela a call at 270-929-4022 & discuss your home options. Let Angela Clark's experience be your guide! www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Just Listed! 4323 Edgewood Court, Owensboro, Kentucky 42303

Fri, 17 Jul 2009 19:38:05 -0500

Is now the time to buy a home? Give Angela a call & discuss the options.

Let Angela Clark's experience be your guide! www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

SOLD! 2641 Windsor Avenue, Owensboro, Kentucky

Fri, 17 Jul 2009 19:35:29 -0500

Listed & Sold by Angela Clark, Tony Clark Realtors

Closing Date: August 14, 2009

Is now the time to buy a home? Give Angela a call & discuss the options. Let Angela Clark's experience be your guide! ONLINE www.AngelaRClark.com

Angela Clark, GRI, ABR, Realtor

270-929-4022 Cell

270-926-0055 Office

Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky

Full-color "Western Kentucky Homes" Magzine Now Available

Mon, 08 Jun 2009 14:09:06 -0500

The NEW June Issues of "Western Kentucky Homes" is now available.

And Look what home made the cover.... My listing at 12150 Redhill Maxwell Road!

The publisher wrote a neat story about the 10+ acres property.....

The magazine is available at both Tony Clark Realtors offices.

2934 Frederica Street, Owensboro Kentucky

170 Main Street, Hawesville Kentucky

Online: www.TonyClark.com

Mark Your Calendars: June 13th & 14th is THE Owensboro Open House Weekend!

Mon, 08 Jun 2009 13:54:27 -0500

June 13 & 14 is Owensboro Open House Weekend!

Come and see these open homes this weekend!

Open at convenient times with knowledgeable Tony Clark Realtors ready to help!

OPEN SATURDAY, June 13th, 2009


*area*	*address*	*Price*	*Time*	*Agent*
Central	2530 Saint Ann St	$102,900	10-11:45am	Angela Clark
East Daviess Co.	2303 Reid Road	$180,000	10-11:45am	Bridgett McCarty
Cedar Hills	5786 Maplelane Dr	$172,900	10-11:45 am	Jerry Kessinger
Masonville	6511 Cherry Court	$78,900	10-11:45am	Sue Davis
Trinity Hills	2906 Asbury Pl	$122,900	12-1:45pm	Denise Pace
Evergreen	739 Devonshire Dr	$119,900	12-1:45pm	Greg Kammerman
Wesleyen Heights	2924 Western Pkwy	$175,000	12-1:45 pm	Angela Clark
Fleming Park	1540 Oak Park Dr	$178,900	12-1:45 pm	Tony Clark
Southeast Daviess Co.	9724 Johnson Rd	$89,900	12-1:45 pm	Duane George
Legion Park	3009 Daviess St	$69,900	2-3:45 pm	Kathy Thompson
Germantown	2429 Bolivar	$63,900	2-3:45 pm	Sue Davis
Mercy Healthpark	808 Ford Avenue	$129,900	2-3:45 pm	Duane George
Fieldcrest	2221 Sheffield Court	$179,900	2-3:45 pm	Greg Kammerman

OPEN SUNDAY, June 14th, 2009


*area*	*address*	*Price*	*Time*	*Agent*
Bon Harbor	4163 Pinta Drive	$158,500	1:30-3pm	Sue Davis
Indiana Reservation	2943 Chippewa Drive	$109,800	1:30-3pm	Tony Clark
Moreland Park	1405 West 11th St	$58,500	1:30-3pm	Patsy Eddins
Apollo	2249 Boarman	$76,500	1:30-3pm	Bridgett McCarty
Ben Hawes	5404 Medley Rd	$138,900	1:30-3pm	Trisha Abney-Doyal
Fordsville	282 E Main, Fordsville	$97,900	1:30-3pm	Greg Kammerman

Open House for Sunday May 17th, 2009

Tue, 12 May 2009 11:58:38 -0500

*List Price:*	$ 175,000
*City:*	Owensboro
Address :	2924 Western Parkway
*State:*	KY
*Zip Code:*	42303
*Area/Subdivision:*	Wesleyan Heights
*Apx Ttl SqFt:*	2600
*Bedrooms:*	4
*Full Baths:*	2
*Half Baths:*	0
*Open Info:*	Open SUN. 1:00- 3:00pm Tour with Angela Clark 270-929-4022

*List Price:*	$ 184,900
*City:*	Owensboro
Address :	2303 Reid Road
*State:*	KY
*Zip Code:*	42303
*Area/Subdivision:*	East Daviess County
*Apx Ttl SqFt:*	1739
*Bedrooms:*	3
*Full Baths:*	3
*Half Baths:*	0
*Open Info:*	Open SUN. 12:00- 1:00pm Tour with Bridgett McCarty 270-316-7957