The Cloward Team Blog

4 Anacapri, Lagauna Niguel NEW HOT DEAL

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Sat, 03 Oct 2009 10:40:04 -0700

Nancy and Heather Cloward | Prudential California Realty | 949-606-6116

4 Anacapri, Laguna Niguel, CA

Breathtaking home located in Marina Hills. Marina Hills was voted Best Neighborhood in 09 in The Best of OC

5BR/4BA Single Family House

offered at $890,000

Year Built	1991
Sq Footage	2,800
Bedrooms	5
Bathrooms	4 full, 0 partial
Floors	2
Parking	3 Car garage
Lot Size	11,086 sqft
HOA/Maint	$107 per month

DESCRIPTION

NESTLED IN THE COASTAL HILLS OF LAGUNA NIGUEL IN THE MASTER PLANNED COMMUNITY OF MARINA HILLS. THIS UPGRADED HOME FEATURES FORMAL LIVING & DINING ROOMS, KITCHEN W/GRANITE COUNTER TOPS AND STAINLESS APPLIANCES, BREAKFAST NOOK, FAMILY ROOM WITH A COZY FIREPLACE AND BAR AREA, 5 LARGE BEDROOMS ONE ON THE MAIN FLOOR WITH ATTACHED BATHROOM COULD BE AN OFFICE. THE LARGE MASTER BEDROOM HAS A FIREPLACE AND A BALCONY. THE REAR YARD FEATURES A PRIVATE POOL, SPA AND BUILT IN BBQ A PERFECT PLACE FOR ENTERTAINING YOUR FAMILY AND FRIENDS.THIS HOME SHOWS TRUE PRIDE OF OWNERSHIP. THE MARINA HILLS RECREATION CENTER PROVIDES AN INCREDIBLE ARRAY OF SPORTS ACTIVITIES INCLUDING COMPETITION SWIMMING POOL AND SPA, LIGHTED TENNIS COURTS, ATHLETIC FIELDS, TOT LOTS, BEAUTIFUL WIDE OPEN SPACES.THE SPECTACULAR COMMUNITY CLUBHOUSE AND BBBQ AREA IS THE PERFECT PLACE TO SOCIALIZE WITH NEWFOUND FRIENDS AND NEIGHBORS. PUBLISHED IN THE 2009 BEST OF OC MARINA HILLS WAS VOTED THE BEST NEIGHBORHOOD IN LAGUNA NIGUEL.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Family room
- Living room	- Office/Den	- Dining room
- Breakfast nook	- Dishwasher	- Refrigerator
- Stove/Oven	- Microwave	- Granite countertop
- Stainless steel appliances	- Attic	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard	- Swimming pool
- Jacuzzi/Whirlpool

COMMUNITY FEATURES

- Clubhouse	- Swimming pool(s)	- Sauna/Spa
- Tennis court(s)	- Playground	- Secured entry

ADDITIONAL PHOTOS

Front of House	Pool
Family Room	Kitchen
Pool	Bathroom

Contact info:

Nancy and Heather Cloward

Prudential California Realty

949-606-6116

For sale by agent/broker

Equal Opportunity Housing

Posted: Oct 2, 2009, 8:07pm PDT

Economic Roundup

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Mon, 03 Aug 2009 17:53:58 -0700

In the News

Existing home sales are up again, according to the National Association of Realtors® (NAR), which reported that sales for existing homes increased by 3.6 percent in June to a seasonally adjusted annual rate of 4.89 million units, compared to May’s revised rate of 4.72 million homes. June’s sales were only 0.2 percent lower than the 4.9 million-unit pace NAR reported for June 2008.

“The increase in existing-home sales occurred in all major regions of the country,” said Lawrence Yun, NAR’s chief economist. “We expect a gradual uptrend in sales to continue due to tax credit incentives and historically high affordability conditions.”

In line with the optimistic home sales data, the Conference Board reported that its index of leading economic indicators for the United States was up 0.7 percent for June, the third straight month in a row. May enjoyed a 1.3 percent rise and April experienced a 1 percent increase. Over the past six months, the Board says the U.S. index has increased 4.1 percent (annually).

The Conference Board’s index tracks how the U.S. economy is performing via a collection of key data points, such as new orders, jobless claims, money supply, average workweek, building permits and stock prices.

“The recession has been losing steam since the spring, although very large job losses continue,” said Ken Goldstein, economist at the Conference Board. “Nevertheless, confidence is slowly rebuilding. Financial markets are less volatile. Even the housing market is stabilizing. If these trends continue, expect a slow recovery this autumn.”

Per Goldstein’s comments on the job market, the Department of Labor’s Employment and Training Administration reported that seasonally adjusted initial unemployment claims were at 554,000 for the week ending July 18. This marked an increase of 30,000 from the previous week's revised figure of 524,000. That said, the four-week moving average was 566,000, a decrease of 19,000 from the previous week's revised average of 585,000, according to the administration.

This week, monitor the headlines for information on consumer confidence (July 27) from the Conference Board; orders for durable goods (July 29) from the Census Bureau; and the gross domestic product (July 31) and personal income and consumption (July 31) from the Bureau of Economic Analysis.

Donna Turpin
Sales Manager

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Market Update Great News

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Sun, 05 Jul 2009 18:22:09 -0700

We are seeing strong buying activity, particularly in those boom and bust markets, where prices have declined significantly. Buyers
         are coming in and fighting over properties  there is multiple bidding in California and Florida,² says Lawrence Yun, chief economist with
         the NATIONAL ASSOCIATION OF REALTORS®. 
 
Sales of existing homes are soaring as many investors and first-time buyers purchase distressed properties.  Yun estimates that
         about 50 percent of current sales involve distressed properties, and he expects the trend to continue as foreclosures rise in the months
         ahead.
 
Although some economists predict home prices will continue to decline in the coming months, California's median home price rose for the Fourth consecutive month in June, posting the largest
monthly increase on record for the month of June.
 
Some buyers are trying to time the bottom of the market and purchase once it appears that prices are consistently and steadily rising.  Many housing forecasters advise against this approach as buyers should not view
their homes solely as investment opportunities.  Historically, the average annual rate of return on a home lived in for five years or more is nearly 12 percent, based on data C.A.R. has collected over the last 40 years.

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

The bar food swaps that save you 600 calories!

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Sun, 05 Jul 2009 15:44:32 -0700

What to eat when you eat bar food

Bar food can be a diet disaster since it’s often fried, greasy, and cheesy. But let’s face it: Sometimes you’re out at happy hour with coworkers, grabbing drinks with the girls, or watching a game with the guys and your stomach is rumbling. Those fries smell delicious, plus if you don’t eat something you’ll get way too tipsy way too fast. Hey, we get it! Follow these Skinny rules while sipping and snacking and you’ll save hundreds of calories:

Don’t drink your calories: Unless you’re drinking red wine, skip colorful beverages. Instead of ordering hard liquor with juice or regular soda (240-250 calories per drink), stick to a calorie-free mixer like club soda or enjoy a glass of wine or champagne for 120 calorie per 5-ounce serving.
Save: 120 calories per drink!

Know your chicken: At 940 calories and 70 grams of fat for 10 chicken wings — not including the blue cheese! — you’re better off ordering grilled chicken skewers or chicken satay. Eat three skewers: Each contains only 90-100 calories and 1-3 grams of fat, plus has more meat to fill you up.
Save: 640 calories!

Move over mozzarella: Gooey mozzarella sticks dipped in marinara sauce are a bar food fave. But at 230 calories and 15 grams of fat in just two, you might want to reconsider. Order a shrimp cocktail and eat five shrimp dipped in cocktail sauce for only 100 calories and 1 gram of fat.
Save: 130 calories!

Push the peanut bowl aside: Salty chips, popcorn, and nut mixes are popular bar snacks that are too easy to mindlessly snack on. Grab a small handful (about ¼ cup, which has 150 calories and 10 grams of fat) and step away from the bar.
Save: At least 150 calories!

Be smart about burgers: Instead of a large burger with fries (over 750 calories and 35 grams of fat) order a grilled chicken sandwich with a side salad to save 450 calories and 25 grams of fat. Or go ahead and get a slider or two. And remember, taking off the top half of the bun and skipping the cheese saves you 150 calories per mini burger.
Save: About 300 calories!

Nix the nachos: An order of nachos with cheese can run you 850 calories and 50 grams of fat — ouch! Order tortilla chips with guacamole and salsa instead. Put 10 chips on your plate with 2 tablespoons each of guacamole and salsa for a 200-calorie treat with 15 grams of fat.
Save: A whopping 650 calories!

Check out the chili: With just 150 calories and 6 grams of fat per cup, chili’s a good choice full of fiber and protein. Just avoid heavy toppings (cheese, sour cream and nachos chips) to keep it healthy.
Save: 600 calories compared to a burger and fries!

By Skinny and the City

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Housing Inventory SnapShot

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Mon, 01 Jun 2009 20:13:16 -0700

We hope you will find the following snapshot of local Real Estate inventory interesting. The table represents aggregated values based on MLS data for the specified date.

Housing Inventory Snapshot	May 28, 09
	Average List Price	Median List Price	Average Days On Market
Los Angeles County, CA
Single Family under $600K	$312,337	$299,000	119
Single Family over $600K	$1,410,028	$999,000	119
Condo/Townhome under $400K	$224,567	$214,900	122
Condo/Townhome over $400K	$661,240	$569,000	116
Orange County, CA
Single Family under $1M	$593,874	$599,000	106
Single Family over $1M	$2,921,025	$1,895,000	137
Condo/Townhome under $600K	$298,812	$280,000	107
Condo/Townhome over $600K	$1,166,342	$950,000	128
Riverside County, CA
Single Family under $700K	$218,915	$189,999	136
Single Family over $700K	$1,140,688	$895,000	194
Condo/Townhome under $500K	$147,286	$129,000	121
Condo/Townhome over $500K	N/A	N/A	N/A
San Bernardino County, CA
Single Family under $700K	$216,565	$175,000	126
Single Family over $700K	$1,340,687	$1,075,000	164
Condo/Townhome under $450K	$174,903	$175,000	113
Condo/Townhome over $450K	N/A	N/A	N/A

MORTGAGE. National Averages (May 28, 09)*
30-year fixed	Rate - 4.99%	APR - n/a%
15-year fixed	Rate - 4.76%	APR - n/a%
5/1 ARM	Rate - 4.23%	APR - n/a%

* Mortgage rates were collected from publicly available sources (yahoo.com) on the date stated. The accuracy of the information and the availability of these rates are not guaranteed by the publisher. Rates are provided for informational purposes only and are subject to change without notice. Actual market interest rates may vary.

If you know someone who is considering buying or selling a home, please give us a call. We will provide professional & courteous service along with knowledgeable guidance through the process.

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Gorgeous Marina Hills Home For Sale - 14 Minori Laguna Niguel CA

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 12 May 2009 19:06:43 -0700

Nancy and Heather Cloward | Prudential California Realty | 949-606-6116

14 Minori, Laguna Niguel, CA

This Distinctive Home Features 4 enormous bedrooms plus an office, exercise room, bonus room and 5 full baths. This Home has been highly upgraded

4BR/5BA Single Family House

offered at $1,500,000

Year Built	1994
Sq Footage	3,950
Bedrooms	4
Bathrooms	5 full, 0 partial
Floors	Unspecified
Parking	3 Car garage
Lot Size	Unspecified
HOA/Maint	$102 per month

DESCRIPTION

Nestled in the coastal hills of Laguna Niguel in the Master Planned community of Marina Hills, sits a home with all the grace and beauty drawn by the lines of classic architecture. This two story home with private courtyard, formal living and dining rooms, island kitchen with butler's pantry, breakfast nook, family room, four bedrooms, five full bathrooms plus home office or mother-in-law quarters or fifth bedroom, a loft/bonus room and split 2.5 car garage. Enjoy the view from the large rear yard while entertaining your family and friends. The rear yard features hills, city lights and sunset views and a built-in BBQ. The Marina Hills Recreation Center provides an incredible array of sports activities including competition size swimming pool, relaxing spa, toddler wading pool, six lighted tennis courts, athletic playing fields, tot lots and beautiful wide open spaces. The spectacular community clubhouse and barbeque area is the perfect place to entertain your family & friends.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Walk-in closet	Tile floor
Family room	Living room	Bonus/Rec room
Office/Den	Dining room	Breakfast nook
Dishwasher	Stove/Oven	Microwave
Granite countertop	Stainless steel appliances	Attic
Laundry area - inside	Balcony, Deck, or Patio	Yard

COMMUNITY FEATURES

Clubhouse	Swimming pool(s)	Sauna/Spa
Tennis court(s)	Playground	Secured entry
Wheelchair access

ADDITIONAL PHOTOS

Gorgeous Exterior	Large Patio and Yard
Dramatic Circular Entry	21' ceilings
Updated Kitchen - Granite	Remodeled Master Bath

Contact info:

Nancy and Heather Cloward

Prudential California Realty

949-606-6116

For sale by agent/broker

Equal Opportunity Housing

Posted: May 12, 2009, 2:37pm PDT

The Wedding Season Survival Guide

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Mon, 11 May 2009 23:14:38 -0700

Wedded dish

A wedding is supposed to be all about love. But somewhere between the third course, the sixth toast, and that second piece of cake (come on, you’re celebrating!), you’ll start to feel like it’s all about love handles — yours, specifically.

Whether your hosts go for a traditional sit-down dinner or a trendy buffet, the key for you is smaller portions. You’ll feel like you tried a little bit of everything without feeling stuffed to the brim. Read on for our tips on what to eat. And don’t forget — wear comfortable shoes so you can burn off your dessert on the dance floor.

Cocktails
That fancy signature cocktail with sugar rim? Depending on ingredients, it could cost you anywhere from 250-500 calories! Instead, stick to light beer (each bottle has about 110 calories), wine (120 calories), a wine spritzer (half white wine, half sparkling water for half the calories), or champagne (97 calories per 5-ounce flute). A vodka and soda will also do the trick for 65 calories. A word to the wise: Tonic or another sugary mixer will add about 120 calories per drink.

Appetizers
Skip anything fried, for obvious reasons, and the cheese and meat plate (each ounce of cheese has 100 calories — and it’s hard to stop at 4 or 5 chunks). Instead, snack on crudités (avoid the creamy dressing, which packs on extra calories and saturated fat), lean protein if there’s a meat carving station, and seafood. Go for sashimi or classic shrimp cocktail (a bargain at only 125 calories for six shrimp, including a tablespoon of cocktail sauce).

Main course
When you fill out your card, choose a baked or grilled lean protein such as sirloin, fish, or chicken. See if you can ask for sauce on the side. Don’t let the presentation of those potatoes fool you — no matter how well they’re plated, they’re still 260 calories per cup, without butter or other sauce! Request a double portion of the veggies instead so you’re not tempted by the starchy side. And of course, a green salad (dressing on the side) is always fair game — giving you lots of fiber to fill you up faster. At a buffet, stick to one protein and two veggie sides. Skip the starches like pasta, rice, and potatoes, which are full of empty calories.

Dessert
Treat yourself — it is a celebration after all! If there’s a chocolate fountain, dip a few pieces of fruit, a pretzel, or a couple of marshmallows for a small treat that will satisfy your sweet tooth. For the cake people: Make sure you get a piece from the middle, where there’s less frosting, which could save you up to 150 calories compared to an end piece. On buffet tables of sweets, opt for a handful of mixed nuts, which are usually scattered amongst the baked goods. Remember to always drink coffee or tea to fill you up and keep your hands from reaching for more cookies. And if your hosts provide baked goods for the next morning on your way out, politely decline. No need to take extra calories home!

From Skinny and the City

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Laguna Niguel Home for Sale 24175 Paseo Del Campo

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Mon, 11 May 2009 22:31:53 -0700

Nancy and Heather Cloward | Prudential California Realty | 949-606-6116

24175 Paseo Del Campo, Laguna Niguel, CA

Laguna Niguel home for sale, custom craftsman style Laguna Niguel Home for Sale. This home has been completely remodeled and is on an extremely la

4BR/3BA Single Family House

offered at $1,589,000

Year Built	1971
Sq Footage	3,000
Bedrooms	4
Bathrooms	3 full, 0 partial
Floors	Unspecified
Parking	3 Car garage
Lot Size	24,000 sqft
HOA/Maint	$0 per month

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Walk-in closet	Hardwood floor
Family room	Living room	Dining room
Dishwasher	Refrigerator	Stove/Oven
Microwave	Granite countertop	Stainless steel appliances
Attic	Washer	Dryer
Laundry area - inside	Balcony, Deck, or Patio	Yard
Swimming pool	Jacuzzi/Whirlpool

COMMUNITY FEATURES

Garage parking

ADDITIONAL PHOTOS

Front of House

Contact info:

Nancy and Heather Cloward

Prudential California Realty

949-606-6116

For sale by agent/broker

Equal Opportunity Housing

Posted: Apr 18, 2009, 5:24pm PDT

Laguna Niguel Home for Sale - Marina Hills - 8 Bernay

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Mon, 11 May 2009 14:32:54 -0700

Nancy and Heather Cloward | Prudential California Realty | 949-606-6116

8 Bernay, Laguna Niguel, CA

Laguna Niguel Home For Sale, This upgraded home has a remodeled kitchen with granite counters and stainless appliances, crown molding & basebo

5BR/4BA Single Family House

offered at $850,000

Year Built	1989
Sq Footage	2,800
Bedrooms	5
Bathrooms	4 full, 0 partial
Floors	2
Parking	3 Car garage
Lot Size	8,702 sqft
HOA/Maint	$102 per month

DESCRIPTION

NESTLED IN THE COASTAL HILLS OF LAGUNA NIGUEL IN THE MASTER PLANNED COMMUNITY OF MARINA HILLS. THIS UPGRADED HOME FEATURES FORMAL LIVING AND DINING ROOMS, KITCHEN WITH GRANITE COUNTER TOPS AND STAINLESS APPLIANCES, BREAKFAST NOOK, FAMILY ROOM WITH A FIREPLACE AND BAR AREA, 5 LARGE BEDROOMS ONE ON THE MAIN FLOOR WITH ATTACHED BATHROOM COULD BE AN OFFICE. THE LARGE MASTER BEDROOMS HAS A FIREPLACE AND A BALCONY, THE MASTER BATHROOM HAS BEEN UPGRADED. THE MARINA HILLS RECREATION CENTER PROVIDES AN INCREDIBLE ARRAY OF SPORTS ACTIVITIES INCLUDING COMPETITION SWIMMING POOL AND SPA, NIGHT LIGHTED TENNIS COURTS, ATHLETIC PLAYING FIELDS, TOT LOTS AND BEAUTIFUL WIDE OPEN SPACES. THE SPECTACULAR COMMUNITY CLUBHOUSE AND BAR-BE-QUE AREA IS THE PERFECT PLACE TO SOCIALIZE WITH NEWFOUND FRIENDS AND NEIGHBORS.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Walk-in closet	Family room
Living room	Office/Den	Dining room
Breakfast nook	Stove/Oven	Microwave
Granite countertop	Stainless steel appliances	Laundry area - inside
Balcony, Deck, or Patio	Yard

COMMUNITY FEATURES

Clubhouse	Swimming pool(s)	Sauna/Spa
Tennis court(s)	Playground	Secured entry
Wheelchair access

ADDITIONAL PHOTOS

Front of Home	Kitchen
Living Room/ Dining Room	Family Room
Master bedroom	Backyard

Contact info:

Nancy and Heather Cloward

Prudential California Realty

949-606-6116

For sale by agent/broker

Equal Opportunity Housing

Posted: May 11, 2009, 11:16am PDT

First Taste of Summer

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Fri, 08 May 2009 21:52:21 -0700

Eat this dessert now

Summer’s right around the corner, which means more fruit! Put it to good use by making fruit salad. It makes a great post-barbecue dessert — and good breakfast leftovers (mix it into yogurt) for the next few days. This berry fruit salad recipe packs a nutrition punch: It’s also chock full of antioxidants and phytochemicals, which help fight cancer, heart disease, and age-related eye damage. Plus, blueberries, blackberries, and raspberries have the highest fibercontent of all fruits. Not a fan of berries? Feel free to substitute whatever fruits you like; mangos, kiwis, apples, bananas, and pineapples all make great additions.

If you’re feeling a bit lazy, buy a bag of frozen mixed berries or fruits and defrost them overnight in the fridge. They’ll taste pretty close to the real thing — and be just as nutritious — without all that chopping.

Berry Fruit Salad

Serves: 6

Total time: 10 minutes

Ingredients:

1 pint strawberries, de-stemmed and chopped
1 pint blackberries
1 pint blueberries
¼ cup orange juice
2 tablespoons lemon juice
½ cup raspberries
4 tablespoons walnuts, finely chopped
4 tablespoons shredded coconut
10 mint leaves, for garnish

Instructions:

Put strawberries, blackberries, and blueberries in a bowl.
Add in orange juice and lemon juice. Gently mix.
Top with raspberries (so they won’t get smashed), walnuts, coconut, and mint leaves.
Serve in bowls or martini glasses.

Nutrition content:
Per serving (about 1 1/4 cup): 116 calories, 3 g fat. 1 g saturated fat, 23 g carbohydrate, 7 g fiber, 2 g protein, 278 mg potassium

From Skinny and the City

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Chandon

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 19:36:15 -0700

Marina Hills Homes For Sale

Chandon Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Chandon*
Sold	4 Chandon	C	3/3	1,500	$385,000	1/29/09
Backup Offers	157 Chandon	A	2/2	1,090	$310,000
Active	33 Chandon	A	2/2	1,009	$325,000
Active	127 Chandon		2/2	1,100	$381,500
Hold	104 Chandon	C	2/3	1,300	$414,900

Now for a quick look at some Marina Hills Stats using the MLS Data. In Marina Hills there is currently 15 “Active Listings” out of the 15 “Active Listings”, 4 of them are considered distressed properties. A distressed property would be a short sale (selling for less than what is owed) or a Bank Owned Property. In Marina Hills currently there are no Bank Owned Properties, but there are 4 Short Sales on the market. Since Jan 1st 8 properties in Marina Hills have closed “Escrow”. Two were distressed properties (1 bank owned and 1 short sale). The average sold price in Marina Hills currently is $702,750 at $310.75 per square foot. Since April 1st, 6 properties in Marina Hills have come on the market, and there are currently 7 properties in “Escrow”. With these Stats our market is not being that effected by distressed properties compared to other areas. However, we are seeing a significant increase in buyer activity as well as multiple offers again, and that’s a good thing.

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Encore

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 19:33:47 -0700

Marina Hills Homes For Sale

Encore Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Encore*
Active	203 Fleurance St	C	2/2	1,108	$425,000
Active	65 Fleurance St	A	2/2	1,100	$443,000
Active	105 Fleurance St	4	2/3	1,300	$458,000
Hold	36 Fleurance St	B	2/2	1,100	$472,000

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Monaco

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 17:26:08 -0700

Marina Hills Homes For Sale

Monaco Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Monaco*
Sold	40 Son Bon	D	3/3	1,879	8,308	$525,000	3/24/09
Sold	8 Vienna	C	3/3	1,737	3,913	$570,000	2/11/09
Sold	12 Joyeuse	3	3/3	1,737	4,713	$560,000	2/13/09
Sold	10 Alsace	D	3/3	1,865	3,558	$589,000	4/24/09
Backup Offers	17 Son Morell	2	3/3	1,438	4,966	$515,000
Backup Offers	10 Andorra	2	3/3	1,534	4,813	$589,000
Backup Offers	4 Son Bon	A	2/2	1,222	4,839	$589,000
Backup Offers	24 Villamoura	C	3/3	1,566	4,630	$589,900
Active	38 Son Bon	C	3/3	1,737	3,733	$675,000
Active	18 Mercato	3	3/3	1,675	3,957	$549,000

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Terricina

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 17:23:25 -0700

Marina Hills Homes For Sale

Terricina Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Terricina*
Active	34 Amarante	B	4/3	1,950	6,614	$720,000
Active	32 Narboone	3	4/3	1,950	6,000	$779,000

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Bel Fiore

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 17:20:16 -0700

Marina Hills homes for sale

Bel Fiore Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Bel Fiore*
Active	10 Siros	A	3/3	2,000	9,654	$780,000

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Siena

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 17:17:31 -0700

Marina Hills Homes for Sale

Siena Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills*	*Siena*
Backup Offers	76 Pienza	A	3/3	1,800	9,075	$809,000
Active	68 Siena	2	3/3	2,000	9,465	$780,000
Active	50 Pienza	B	3/3	2,150	8,122	$849,000

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Amarante

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 17:14:49 -0700

Marina Hills Homes For Sale

Amarante Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Amarante*
Sold	10 Bergamo	A	4/3	2,500	6,633	$788,000	4/24/09
Sold	19 Agia	D	4/4	3,000	8,509	$805,000	4/13/09
Hold	17 Agia	A	4/3	2,447	8,487	$800,000 - 825,000
Hold	16 Tramonti	B	5/3	2,600	9,732	$800,000 - 839,900

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Vistara

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 17:11:35 -0700

Marina Hills Homes For Sale

Vistara Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Vistara*
Active	12 Argos		5/3	3,000	6,000	$949,500
Active	14 Cala D Or	2	4/4	3,200	11,424	$1,199,990

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Marina Hills Homes for Sale - Heights

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 16:59:16 -0700

Marina Hills Homes for Sale

Heights Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Heights*
Sold	20 Denia	3	4/3	3,500	10,555	$1,400,000	1/2/09

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

marina hills homes for sale - Palacio

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Tue, 05 May 2009 16:55:49 -0700

Marina Hills Homes For Sale

Palacio Homes For Sale

Marina Hills Market Update for 01/01/09 - 4/30/09
Status	Address	Plan	BR/BA	SQFT	Lot Size	Price	Closed

*Marina Hills Palacio*
Backup Offers	4 Nicosia	4	5/4	3,580	14,475	$1,300,000
Active	3 Phaedra	4	5/4	3,500	12,000	$1,395,000

# of properties that have closed escrow from 1/1 - 4/30 since 2000.

2000 - 38 closed properties @ $190.30 per sqft.

2001 - 53 closed properties @ $219.06 per sqft.

2002 - 42 closed properties @ $236.25 per sqft.

2003 - 41 closed properties @ $281.15 per sqft.

2004 - 43 closed properties @ $348.17 per sqft.

2005 - 34 closed properties @ $367.92 per sqft.

2006 - 18 closed properties @ $442.26 per sqft.

2007 - 20 closed properties @ $448.61 per sqft.

2008 - 7 closed properties @ $364.10 per sqft.

2009 - 8 closed properties @ $310.75 per sqft. plus 7 properties currently in “Escrow”

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Housing Inventory SnapShot

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Fri, 01 May 2009 21:42:19 -0700

Housing Inventory Snapshot

We hope you will find the following snapshot of local Real Estate inventory interesting. The table represents aggregated values based on MLS data for the specified date.

Housing Inventory Snapshot	April 27, 09
	Average List Price	Median List Price	Average Days On Market
Los Angeles County, CA
Single Family under $600K	$314,954	$299,900	119
Single Family over $600K	$1,358,774	$967,000	118
Condo/Townhome under $400K	$227,002	$219,800	125
Condo/Townhome over $400K	$644,082	$559,900	113
Orange County, CA
Single Family under $1M	$581,641	$582,000	108
Single Family over $1M	$2,910,290	$1,849,000	134
Condo/Townhome under $600K	$302,555	$289,500	107
Condo/Townhome over $600K	$1,171,960	$959,000	123
Riverside County, CA
Single Family under $700K	$221,847	$195,000	135
Single Family over $700K	$1,110,624	$889,000	171
Condo/Townhome under $500K	$145,369	$123,500	122
Condo/Townhome over $500K	N/A	N/A	N/A
San Bernardino County, CA
Single Family under $700K	$223,772	$185,000	127
Single Family over $700K	$1,491,665	$1,100,000	168
Condo/Townhome under $450K	$171,173	$169,900	114
Condo/Townhome over $450K	N/A	N/A	N/A

MORTGAGE. National Averages (April 27, 09)*
30-year fixed	Rate - 4.99%	APR - n/a%
15-year fixed	Rate - 4.76%	APR - n/a%
5/1 ARM	Rate - 4.23%	APR - n/a%

If you know someone who is considering buying or selling a home, please give us a call. We will provide professional & courteous service along with knowledgeable guidance through the process.

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

Cupcake fever

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Fri, 10 Apr 2009 17:17:33 -0700

Decadent Chocolate-Chocolate Cupcakes

Serves: 8

Total time: About 45 minutes

Cupcake ingredients:

¾ cup all-purpose flour
½ cup unsweetened cocoa powder
1 teaspoon baking powder
½ cup brown sugar
2 egg whites
¼ cup applesauce
1/8 teaspoon ground cinnamon
1 teaspoon vanilla extract
2 teaspoons canola oil
½ cup skim milk
¼ cup semisweet chocolate chips

Frosting ingredients:

2 ounces unsweetened baking chocolate (about 2 squares)
1 tablespoon butter
1/3 cup milk
2 cups confectioner’s sugar
1 teaspoon vanilla

Cooking instructions: Cupcakes

Preheat oven to 350˚F. Prepare muffin tin by lining 8 cups with paper liners.
In a large bowl, combine flour, cocoa, baking powder, and baking soda.
In a separate bowl, combine, sugar, egg whites, applesauce, cinnamon, vanilla, and canola oil. Beat the ingredients together with an electric mixer until blended (about 1 minute).
Gently stir in the flour mixture and milk.
Sprinkle in the semisweet chocolate chips.
Pour batter into muffin cups. Bake 22-25 minutes. To check if done, dip a toothpick in the middle of a cupcake; it should come out clean.

Nutrient content (without frosting):
Per serving (1 cupcake): 151 calories, 4 g fat, 2 g saturated fat, 28 g carbohydrate, 2 g fiber, 4 g protein, 255 mg sodium

Cooking instructions: Frosting*

Melt the chocolate**, butter, and milk together in the microwave (about 1-2 minutes or until melted).
Cool until lukewarm and stir in sugar and vanilla.
Beat with an electric beater until thick.

*This recipe makes about 1 cup of frosting. I suggest glazing each cupcake with 1 tablespoon of frosting (about 75 calories).
** If you’d rather vanilla cream frosting, just leave out the baking chocolate.

Nutrient content (with frosting)
Per serving (1 cupcake with 1 tablespoon frosting): 225 calories, 6.5 g fat, 3.5 g saturated fat, 41 g carbohydrate, 2.5 g fiber, 5 g protein, 260 mg sodium

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

On The Bright Side

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Wed, 08 Apr 2009 09:58:38 -0700

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

FIRST TIME HOME BUYER TAX CREDIT

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Sun, 05 Apr 2009 22:25:47 -0700

The homebuyer tax credit is one of 10 key provisions of the American Recovery and Reinvestment Act signed by President Obama into law on Feb. 17, 2009.

The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not require repayment. Most of the mechanics of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com

C.A.R. LAUNCHES MORTGAGE PROTECTION PROGRAM

Heather & Nancy Cloward The Cloward Team (Prudential California Realty) — Sun, 05 Apr 2009 22:18:09 -0700

FYI: To help provide first-time home buyers with peace of mind when purchasing a home, the C.A.R. Housing Affordability Fund (C.A.R.H.A.F.) is offering a new mortgage protection program to first-time home buyers.

Through the Housing Affordability Fund’s Mortgage Protection Program, first-time home buyers who lose their jobs due to layoffs may be eligible to receive up to $1,500 per month for up to six months to help make their mortgage payments. A qualified co-buyer also can participate in the program, for a monthly benefit of $750 per month for up to six months. Program benefits also include coverage for accidental disability and a $10,000 death benefit. C.A.R.’s Housing Affordability Fund is dedicating $1 million toward its Mortgage Protection Program this year, and estimates that up to 3,000 families will benefit from the program throughout 2009.

To qualify for the Mortgage Protection Program, applicants must:
. Be a first-time home buyer – someone who has not owned a home in the last three years
. Open escrow April 2, 2009, or later, and close on or before Dec. 31, 2009
. Use a California REALTOR® in the transaction
. Purchase the property in California
. Be a W-2 employee (cannot be self-employed or military personnel)

First-time home buyers must request an application for the H.A.F. Mortgage Protection Program from their REALTOR®. For applications and other information on this exciting new program, go to www.car.org/aboutus/hafmainpage/ or contact Monica Rodriguez at (213) 739-8380 or monicar@car.org.

Please contact us for any further questions

www.TheClowardTeam.com

Nancy & Heather Cloward

Prudential California Realty

Direct: 949-495-2819 or 949-228-4523

Nancy@NancyCloward.com or Heather@HeatherCloward.com