Ann Hayden's Real Estate Blog

Kirkwood Missouri Market Statistics December 7, 2008-2009

Mon, 14 Dec 2009 23:01:27 -0600

Kirkwood Missouri Market Statistics

Through December 7, 2008-2009

Residential Statistics:

Units Sold: 493

Average List Price: $333,612

Average Sold Price: $314,661

Average Time on Market: 93

For a market analysis of your particular area, please contact me ahayden@psphomes.com

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

All rights reserved and may not be reproduced or reprinted without express written permission of Ann Hayden, real estate agent with Prudential Select Properties Chesterfield, Ballwin, Wildwood Office. Information deemed reliable but not guaranteed.

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Webster Groves Missouri Market Statistics December 7, 2008-2009

Mon, 14 Dec 2009 22:53:26 -0600

Webster Groves Missouri Market Statistics

Through December 7, 2008-2009

Residential Statistics:

Units Sold: 473

Average List Price: $235,456

Average Sold Price: $224,958

Average Time on Market: 80

For a market analysis of your particular area, please contact me ahayden@psphomes.com

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

New Fannie Mae Automated Underwriting (DU) Eligibility Changes.

Mon, 14 Dec 2009 20:48:35 -0600

Missouri Home Buyers, here is some timely loan news about the changes happening in the loan process. If you are in the process or pre-approved please read the following:

Via George Souto (McCue Mortgage) FHA, CHFA, VA Mortgages CT.:

Today Fannie Mae released Automated Underwriting (DU) Version 8.0 and these changes are bound to have a big impact especially on multi-family houses. Some of the changes included in this release are as follows:

Minimum FICO score 620 (was 580)

2 Unit Owner Occupied Property - maximum LTV 80% for purchase & rate/term refinance (was 90%)

2 Unit Owner Occupied Property - maximum LTV 75% for cash out refinance (was 85%)

2 Unit Investment Property - maximum LTV 75% for purchase & rate/term refinance (was 80%)

Unit Investment Property - maximum LTV 70% for cash out refinance (was 75%)

In addition to the eligibility changes listed above, the updated version (DU 8.0) will limit the maximum allowable total expense ratio to 45 percent, with flexibilities offered up to 50 percent for certain loan case files with strong compensating factors.

If current debts exceed the maximum allowable total expense ratio, the loan case file will receive an Ineligible recommendation. DU will no longer return a Refer recommendation on loan case files that would have otherwise received an Approval, but had exceeded the maximum allowable total expense ratio.

All new cases submitted to DU will now be scored with the 8.0 version and the new eligibility will be applied. New cases submitted prior to today will be scored with the current version DU 7.1 and will continue to score as DU 7.1 on subsequent submissions, however, loans using DU version 7.1 must close by February 12, 2010.

I would STRONGLY recommend that if you have run a Borrowers file through DU before today, and received an Approved/Eligible, but the Borrower has not gone under contract yet, that you run it through DU again. I am sure that there will be many Borrowers that received an Approved Eligible under version 7.1, that will no longer receive an Approved/Eligible under version 8. It would be a shame to have a Realtor that you partner with run around trying to find one of their Buyers a house, and the Buyer no longer qualifies.

If you are a Realtor or a Buyer I would again STRONGLY recommend that you contact the Loan Officer or Broker that you are working with and ask them to run your file(s) through DU to make sure that you have not been affected by this change.

******************************************************************************************************************

Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, andConventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Market Update October 2009 St.Louis, Missouri

Sat, 12 Dec 2009 23:57:31 -0600

Market Update October 2009 St.Louis, Missouri

Real estate in St. Louis, Missouri comparison

October 2008 October 2009:

Average Price: $168,494 $166,241

Homes Sold: 1204 1617

Median Price: $123,500 $133,000

For a market analysis of your particular area, please contact me ahayden@psphomes.com

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Foto Friday....Ready to Leave Town?

Fri, 11 Dec 2009 21:20:26 -0600

Foto Friday....Ready to Leave Town?

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Wordless Wednesday...November 2009 Full Moon Rising

Wed, 09 Dec 2009 21:48:04 -0600

Wordless Wednesday...November 2009 Full Moon Rising

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

How to send flat rate packages to our troops!!

Wed, 09 Dec 2009 09:09:33 -0600

St. Louis, MO Are You Sending Packages to the Troops?...Read THIS!

This is an excellent article on how to send those packages to the troops.

Via Marchel Peterson Spring TX Real Estate E-Pro ABR (Results Realty):

It is hard for out troops being away from friends and family during the holiday season. This makes it an ideal time to send them a flat rate package. Last year at this time our son was in the middle of his second tour of Iraq and he loved getting goodies from home. With him doing two tours I learned the ins and outs of sending him flat rate packages. On our son's first tour he was based at a town called Hit just northwest of Ramadi; the base was so small they really didn't even have a PX to speak of. For 6 months of his tour he was on the graveyard shift so if we didn't send food he was pretty much stuck eating MRE's. Needless to say I became an expert at sending care packages so I am going to pass my knowledge forward as I know there are many other soldiers like him who would love some extra care packages.

If you don't know a soldier but would like to help a soldier you can adopt a soldier through Soldiers Angels. You adopt them for the duration of their tour though, it is not just a one time thing. Our son told me there are a lot of soldiers that are alienated from families for one reason or another and don't receive much. Soldier's Angels sounds like the remedy for that problem.

You must mail your package to a particular soldier. You cannot send a package without a soldier's name or it will be just discarded. Another way to find a soldier is to ask friends and family if they know anyone. You will be amazed at how many people know of someone that has been deployed.

Figuring out how to send these packages was a learning experience. The first time I sent one I arrived at the post office with this big heavy box and spent something like $30 in shipping. I happened upon a really nice postal worker. He saw I was shipping to an APO in Iraq and turned me on to Flat rate shipping provided by our USPS. He told me that I could send several of the flat rate boxes for less than it would cost me to send the one big box.

When I sent him boxes on his first tour there were only two sizes available but there are now four different sizes of flat rate boxes.  The two smaller boxes hold about the same amount but are made totally different. One is long and narrow and the other is short and squatty. The new larger box holds about 50% more and since I found out about it I have used it exclusively. It cost me $10.95 to ship using this box and I can make it as heavy as I want to. Normally this flat rate box cost $12.95 but the postal service gives a $2.00 discount when you ship to an APO. To be quite honest I'm not even sure what the current charge is on the smaller box as I now only use the large one. Any amount of material may be enclosed as long as the box is not modified and the contents fit inside. .

These boxes are provided to us free from our USPS and you can pick them up at most post offices prior to shipping. The only time I had trouble finding them was the Christmas season as the post office was having problems keeping them in stock. At the same time you pick the flat rate boxes up you will also want to pick up some "Customs Declaration and Dispatch Notices" and some priority mail address labels. You will need to fill out the Customs Declaration and you are going to need to put in a description of what you are sending. It says detailed but you can just write things like 6 cans of soup, 2 packages of crackers, candy, 3 cans of tuna etc. That will suffice for detailed. You will need to put in a value and I always marked treat as abandoned. You will then need to date and sign the form. You have to press hard as there are 6 copies to go through. I always filled out an address label also and put it on the box. I had a postal worker tell me to fill both out just in case the customs declaration came off.

I am sorry but there are no short cuts to standing in line. YOU CAN NOT USE THE SPEEDY CHECK OUT MACHINE. My neighbor did that the first time she sent a package to her son and it came back to her because she had not added the customs declaration page.

The soldiers love getting useful stuff. Our daughter is a flight attendant for a charter company that moves our troops and she told me that someone sent some marines off with lei's which they proceeded to give to the flight attendants. The thought was nice but I think they would have preferred something that was useful to them. I sent things like soup, tuna, crackers, summer sausage, non-perishable cheese, candy. You get the idea anything that is non-perishable. At Christmas I always sent homemade cookies and candy to our son.  He isn't that crazy about sweets but he always shared them. You can be assured that if the soldier you are sending to doesn't like what you sent they will pass it on to someone that does.

So should you hear about someone that is stationed over in Iraq or Afghanistan you now know how to mail them a box of goodies using these wonderful flat rate boxes provided to us by our postal service.

Amazingly I found these packages typically got to their destination in less than a week. Whether I was sending them to Germany (as that was where our son was first stationed) or Iraq they always arrived. One time I sent the package to his old Germany APO address and the package went back to Fort Hood and then on to Iraq (it took about a month but it arrived safe and sound). About the only time I did not us the flat rate boxes was when I sent Ramon noodles or the time I sent an air mattress bed as it didn't fit.

_________________________________________________________________________________________________

If you are buying or relocating to Spring Texas and need help from a professional REALTOR®, Marchel can be reached at Marchel@AgentwithResults.com or by phone at 832-721-8332.

If you would like information about Spring TX please visit my websites at www.AgentwithResults.com and at www.ResultsRealtytx.com. The AgentwithResults site is rich in Content about Spring and the surrounding areas of Tomball, The Woodlands and Magnolia. If you prefer pictures with your content then visit my ResultsRealtyTX site.

Want to find out about new Spring TX properties immediately as they come on the market, then click here to sign up for a free automatic notification of new listings.

Click the button to the left to search our local MLS.

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Copyright © 2009 Marchel Peterson, All Rights Reserved. *How to send flat rate packages to our troops!!*

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

And Now the Rest of the Picture... Where Are We Follow Up

Tue, 08 Dec 2009 22:53:19 -0600

And Now the Rest of the Picture... Where Are We Follow Up

Lambert International Airport, St. Louis, MO... Not sure if they still call it International.

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Wildwood, MO Stop by Prudential Select Properties December 8th for Holiday Shopping

Mon, 07 Dec 2009 22:46:15 -0600

Wildwood, MO Stop by Prudential Select Properties December 8th for Holiday Shopping

December the 8th, 2009

Vendor Day at Prudential Select Properties

16442 Village Plaza View Dr.

Wildwood, MO 63011

Stop by and check out the vendors displaying their wares.

Mary Kay Cosmetics, Smashed Chefs, Ginkgo Adventurers, Mississippi Valley Exteriors, ABC Moving Company, Identity Theft and Prepaid Legal, Cutco Cutlery, Scentsy, Internet Website Database, Juice Plus, Cabi Clothing, etc...

You might be able to pick up a gift for someone on your holiday list.

Vendors will be at the office from 9:30 a.m. until 11 a.m. or until all customers are waited on..

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Budweiser Holiday Light Tour- St. Louis Missouri

Mon, 07 Dec 2009 22:03:27 -0600

Budweiser Holiday Light Tour- St. Louis Missouri

Come see the holiday lights on display at the Budweiser Brewery in St. Louis, Missouri. Evening tours will be held on December the 11th and the 18th. Tour hours will be extended until 9 p.m. on these two Friday evenings.

Anheuser Busch has spared no expense. There are over one million lights on display. Not to mention free samples at the end of your nearly one hour tour of the brewery. And the gift shop will be open for those holiday gift purchases.

So stop by and see the pretty holiday lights for FREE!

The brewery is located at 12th & Lynch Sts. in St. Louis, MO 63118.

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Speechless Sunday.....Where are We?

Sun, 06 Dec 2009 19:56:03 -0600

Speechless Sunday.....Where are We?

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Foto Friday.....Don't Be THIS During the Holidays

Fri, 04 Dec 2009 21:53:44 -0600

Foto Friday.....Don't Be THIS During the Holidays

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Fifth Anniversary Celebration at Wines of Wildwood in Wildwood, MO

Thu, 03 Dec 2009 22:52:03 -0600

Fifth Anniversary Celebration at Wines of Wildwoodin Wildwood, MO

Friday, December 4th, 7 until 9 p.m.

Come to the Wines of Wildwood's Fifth Anniversary Celebration and Open House.

Cost $10 at the door, no reservations required.

Super giveaways and attendance prizes.

20 or more wines to sample and yummy holiday food compliments of Simply Sue's Cafe located in Wildwood, MO

Stop by and tell Carl and the crew congrats on another year!

Wines of Wildwood is located off Highway 100/Manchester Rd. to south on Taylor to left into Dierberg's Town Center.

2418 Taylor Road
Dierbergs Town Center
Wildwood, MO 63040

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Wordless Wednesday....Beauty Above Sadness Below

Wed, 02 Dec 2009 22:29:16 -0600

Wordless Wednesday....Beauty Above Sadness Below

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

One Lucky Mutt Holiday Open House and 4 Year Anniversary

Tue, 01 Dec 2009 10:49:25 -0600

One Lucky Mutt Holiday Open House and 4 Year Anniversary

Saturday December 5, 2009

9 a.m. until 5 p.m.

Save 20% Store wide*

11 a.m. until 2 p.m. Caricatures, Chair Massages

Refreshments for people and pets alike, free samples, nail trims, prizes, pet psychic, pop-art pet artist.

Stop by to have some fun and enjoy some treats! Be sure to tell them where you heard about the open house.

*20% off excludes all dog/cat foods, treats and supplements

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Speechless Sunday.... Where There is Smoke?

Sun, 29 Nov 2009 23:06:55 -0600

Speechless Sunday.... Where There is Smoke?

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Silent Saturday....All Decked Out for the Holidays

Sat, 28 Nov 2009 23:59:26 -0600

Silent Saturday....All Decked Out for the Holidays

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

© Ann Hayden, 2008-2009.

Missouri Record Breaking Day

Fri, 27 Nov 2009 21:41:24 -0600

Missouri Record Breaking Day..

No, not the totals of the sales made on Black Friday for Missouri but for the record of the latest day of the first freeze. The growing season officially ended today with the first freeze of the 2009 fall season. The long standing record was November 26, 1902.

And if you were among the crazy shoppers braving the cold this morning for bargains, I say, "Next year can we start the sales at 11 a.m.?? PLEASE??"

Yes, my daughter, sister in law and nieces from Georgia went on a shopping spree. And now we are all very tired and ready to hit the hay.

Hope everyone enjoyed Thanksgiving and Black Friday...

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

St. Louis Company Offers FREE Ride for Intoxicated Drivers November 25, 2009

Wed, 25 Nov 2009 18:23:53 -0600

St. Louis Company Offers FREE Ride for Intoxicated Drivers November 25, 2009

The STL ScooterGuy's, Professional Designated Driver Service, will be giving free rides to people wanting to be safe and not drive drunk this first night of the holiday season. You must call before 3 a.m. and one of the employees will show up, put a scooter in your trunk, and drive you and your vehicle safely to your home.

The biggest reason people do not take a free ride is they do not want to have to go back to get their vehicle the next day. This company solves this problem.

After midnight tonight, is when most people are killed by drunk drivers. Be safe tonight!

314-255-1800, you may also buy a membership for $60 a year. Go to this site for more info: STL ScooterGuys. SO why chance getting a ticket or worse being involved in a fatal accident, get your membership today. The life you save may be your own.

By the way, the free rides tonight will be paid for by Captain Morgan. Call after 9p.m. but before 3 a.m.

To make an online reservation go to: Online reservation.

Real estate needs: www.SelectAnn.com. For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

St. Louis Missouri Market Report 2008 vs. 2009

Tue, 24 Nov 2009 22:51:47 -0600

St. Louis Missouri Market Report 2008 vs. 2009

These are system wide totals through September 2008 and 2009. Average list price appears to be increasing.

Inventory is not as high as in 2008. Listings are needed! Please contact me at: www.SelectAnn.com to find out your homes value in this market.

The days on market has not increased by much.

All information compiled using data from the St. Louis MLS, Mid-America Regional Information Systems (Maris).

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

Speechless Sunday....Contrasting Colors

Sun, 22 Nov 2009 22:26:38 -0600

Speechless Sunday....Contrasting Colors

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

Foto Friday.... Last One for 2009

Fri, 20 Nov 2009 23:29:14 -0600

Foto Friday.... Last One for 2009

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

Tax Credit and Foreclosure Seminar Dec. 3rd, 2009 Prudential Select Wildwood, MO

Thu, 19 Nov 2009 22:01:25 -0600

Tax Credit and Foreclosure Seminar Dec. 3rd, 2009 Prudential Select Wildwood, MO

Mark your calendar and be sure to attend
this free presentation!
Thursday, December 3rd, 7:00-8:00pm

How the expanded tax credit and foreclosure market
may benefit you!

$8,000 Federal Income Tax Credit to qualified First Time Buyers
$6,500 Federal Income Tax Credit to qualified existing homeowners
Increased income limits - $125,000 single, $225,000 married
How to get Free, Current, Accurate Foreclosure listings
What's a "Short Sale" and how it's different from a Foreclosure
Learn how you can capitalize on this temporary combination of low mortgage rates, affordable prices and tax credits!
Get a FREE Credit Report

RSVP by replying to this message
or by calling Ann Hayden 636-399-7544

Don't Miss Out of YOUR Pot of Gold!

Our location - 16442 Village Plaza View Drive, Wildwood 63011
2 miles west of Manchester & Clarkson Roads on the Northwest corner of Manchester and Westglen Farms Drive in lovely Wildwood, MO

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

Washington Missouri Jimmy John's Customer Appreciation Day 11-21-09

Thu, 19 Nov 2009 21:40:38 -0600

Washington Missouri: Jimmy John's Customer Appreciation Day Saturday November 21st, 2009.

Be sure to stop by the local Jimmy John's sub shop on Saturday for the deal of the day!

8" Sub Sandwish for just $1.00, yes their regular $4.25 sandwiches will be on special. This deal will last only from 11 a.m. until 3 p.m. with a limit of one deal per person.

The Jimmy John's is located int he new Phoenix Center near Target and US Cellular.

3061 Phoenix Center Dr. Washington, MO

Jimmy John's is home to the "world's greatest gourmet sandwiches".

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com

Wordless Wednesday....The Wrong Side of the Tracks...

Wed, 18 Nov 2009 22:49:10 -0600

Wordless Wednesday........The Wrong Side of the Tracks...

Real estate needs: www.SelectAnn.com . For all your real estate needs in the St. Louis area. Updated daily. Sign on for FREE! Whether you are buying or selling, let me help you!

Ann Hayden Realtor St. Louis Missouri

For All Your real estate needs: www.SelectAnn.com