Blogging Oklahoma City

Are You Planning to Buy a Home in 2010?

Tammy Carpenter (Home Team Realty, llc) — Tue, 29 Sep 2009 11:17:18 -0500

October is just a few days away and that means it's time to start planning for next year. Goal setting is a plan for your life and very useful tool. Without goals life just happens and you will find yourself wandering aimlessly through it.

If one of your goals for next year is to buy a new home, start planning now. Below are a few steps you should take to make it happen.

Work up a budget and save for the expenses you will incur. When purchasing a home you will need to have a down payment along with closing costs. Depending upon the type of financing you receive you will need approximately 3.5% - 10% of the cost of the home for down payment and another 3% - 6% for closing costs.

Pay off any and all small bills you have lingering around. When qualifying for a home loan your house payment should not exceed 31% of your gross income and other bills an additional 12% of your gross income. If your other bills are in excess of the 12% limit the difference will be deducted from the amount of house payment you may qualify for.
Find a Realtor. A Realtor can help you pre-qualify with a lender, show you homes in your price range and specifications, assist in negotiating your offer and setting up inspections. The best thing about a Realtor is there is no charge to you as the Buyer.

Setting a goal and planning in advance helps take stress and disappointment out of your life. Planning ahead to purchase one of the largest investments in your life is the best advice a person can receive.

When the time comes to achieve your goal, give me a call and I will be happy to assist you. I give you my commitment to make the journey of purchasing your new home a pleasant and joyful one.

Tammy Carpenter, Broker

Home Team Realty, llc

(405)670-1600

Home For Rent in Del City, OK

Tammy Carpenter (Home Team Realty, llc) — Mon, 21 Sep 2009 15:02:36 -0500

Tammy Carpenter | Home Team Realty, llc | tallyms@cox.net | (405)670-1600

4617 SE 22nd, Del City, OK

Cozy rock home near Tinker AFB. Within walking distance to Mid-Del

schools.

3BR/1BA Single Family House

$650/month

Bedrooms	3
Bathrooms	1 full, 0 partial
Sq Footage	1,000
Parking	1 dedicated
Pet Policy	Small dogs (< 25lbs)
Deposit	$400

see additional photos below

RENTAL FEATURES

- Air conditioning	- Central heat	- Bonus/Rec room
- Stove/Oven	- Laundry area - inside	- Cable-ready

COMMUNITY FEATURES

- Covered parking

LEASE TERMS

One year lease

ADDITIONAL PHOTOS

Photo 1

Photo 2

Contact info:

Tammy Carpenter

Home Team Realty, llc

130572

tallyms@cox.net

(405)670-1600

Equal Opportunity Housing

Posted: Sep 21, 2009, 11:52am PDT

EAGLE HARBOR NOW OPEN

Tammy Carpenter (Home Team Realty, llc) — Fri, 29 May 2009 16:03:38 -0500

Eagle Harbor Opened May 25, 2009

Del City Swimming Pool

located behind Fire Dept and Library

671-2843

9am - 7pm

admission $5 per child all day

Season pass $45

An Explanation of Life (Today's Funny)

Tammy Carpenter (Home Team Realty, llc) — Mon, 15 Dec 2008 14:56:41 -0600

Via Brigita McKelvie - Lehigh Valley, PA, Residential, Rural & Horse Properties (Vision Realty Group):

On the very first day, God created the cow. He said to the cow, "Today I have created you! As a cow, you must go to the field with the farmer all day long. You will work all day under the sun! I will give you a life span of 50 years."

The cow objected, "What? This kind of tough life you want me to live for 50 years? Let me have 20 years, and the 30 years I'll give back to you." So God agreed.

On the second day, God created the dog. God said to the dog, "What you are supposed to do is to sit all day by the door of your house. Any people that come in, you will have to bark at them! I'll give a life span of 20 years."

The dog objected, "What? All day long to sit by the door? No way! I give you back my other 10 years of life!" So God agreed.

On the third day, God created the monkey. He said to the monkey, "Monkeys have to entertain people. You've got to make them laugh and do monkey tricks. I'll give you 20 years life span."

The monkey objected. "What? Make them laugh? Do monkey faces and tricks? Ten years will do, and the other 10 years I'll give you back." So God agreed.

On the fourth day, God created man and said to him, "Your job is to sleep, eat, and play. You will enjoy very much in your life. All you need to do is to enjoy and do nothing. This kind of life, I'll give you a 20 year life span."

The man objected. "What? Such a good life! Eat, play, sleep, do nothing? Enjoy the best and you expect me to live only for 20 years? No way, man!.... Why don't we make a deal? Since the cow gave you back 30 years, and the dog gave you back 10 years and the monkey gave you back 10 years, I will take them from you! That makes my life span 70 years, right?" So God agreed.

AND THAT'S WHY....

In our first 20 years, we eat, sleep, play, enjoy the best and do nothing much. For the next 30 years, we work all day long, suffer and get to support the family. For the next 10 years, we entertain our grandchildren by making monkey faces and monkey tricks. And for the last 10 years, we stay at home, sit by the front door and bark at people!

Top 100 markets! Has yours hit bottom?

Tammy Carpenter (Home Team Realty, llc) — Sun, 14 Dec 2008 15:16:15 -0600

Via Kathryn Gorham Emerald Isle Crystal Coast NC (Green Key Properties):

The Top 100 Markets - has yours hit bottom?
The December 22, 2008 issue of Fortune magazine page 68 & 69: The 2009 Housing Outlook - by Scott Cendrowski

Yesterday I picked up this article and skimmed it as I was heading out to a Christmas party. This morning I had a chance to read it more thoroughly. The sources quoted for the stats in the article are National Association of REALTORS and Moody's Economy.com. The bottom line is the market hasn't turned around YET - but we all knew that. The good news is there is signs of the end being in sight.

My market is the Crystal Coast of NC so of-course my eyes zoomed into that section of the map. Well Raleigh, Charlotte and Greensboro - High Point are the 3 NC markets noted in the survey so I will have to use those as my guiding factor. With many of our buyers and sellers coming from other area of the state this should give insight to our market as well.

Rank City 2008 Median Price 2009 2010

26 Greensboro-High Point $149,240 -2.7% 0.1%

42 Charlotte $199,030 -5.9% -1.6%

45 Raleigh $217,510 -6.2% -0.5%

"It's the billion-dollar question: When will prices rebound? With the economy weakening, probably not next year, when only two out of the top 100 markets in the country are expected to show gains. The bright side: In 2010, 47 markets will swing from negative to positive territory. -- Scott Cendrowski

Well Scott that is accurate in saying only 2 markets, McAllen-Mission, TX and New Orleans, show predicted gains in 2009 and when I looked at the chart and map I saw several other positives.

Four more markets with less than a -1% slide projected: Fort Worth-Arlington, Birmingham, El Paso and Pittsburgh.

There are 10 markets with slide of between -1% and -1.9% slide: Indianapolis, Wichita, Youngstown, OH, Dallas-Irving, Columbia, SC, Little Rock, Oklahoma City, Austin, Rochester, NY, Buffalo-Niagra Falls

Eleven more markets will have between a -2% and -2.9% slide: Omaha, Gary, IN, Dayton, Grand Rapids, Tulsa, Houston, Greenville SC, San Antonio, Greensboro-High Point NC, Albany NY and Syracuse NY

That makes 25% of the market seeing bottom and beginning the turn toward recovery and 2% in recovery. With 47 markets seeing positive gains in price in 2010. I feel like we may be close to the tipping point.

The article broke up the market into sections: 2009 range of price changes
     The West -9.2% (Albuquerque) to -24.9% (Los Angeles)
     The Midwest -1.3% (Indianapolis) to -11.7% (Farmington Hills-Troy, MI)
     The South +2.8% (McAllen-Mission, TX) to -22.8% (Miami-Miami Beach)
     The Northeast -0.9% (Pittsburgh) to -15.8% (Stamford, CN)

California has the most -20+% markets for 2009 but look at 2010 they all drop below -5% with the exception of Los Angeles which comes in at -5.1%. Hopefully this means something has to be selling to get that change year over year.

Not one of the top 100 markets will see double digit negative percentage price changes in 2010. Of the 50 markets still seeing negative price changes in 2010 - 18 of those markets will see less than -2.0%.

Of the 50 markets in 2010 that see positive price changes (including one neutral market Nashville), the South region will see the most positive markets coming in at 21, followed by the midwest with 16, the northeast at 10 and the west with 3.

Charts - by Rank and by Region per December 22, 2008 issue of Fortune magazine
CHART by RANK

Charts - by Rank and by Region per December 22, 2008 issue of Fortune magazine
CHART by REGION

or should I say ... a new beginning

Homes For Rent 11/25/08

Tammy Carpenter (Home Team Realty, llc) — Tue, 25 Nov 2008 14:22:24 -0600

HOME TEAM REALTY,LLC

RENTAL LIST

11/25/08

To schedule a showing, call Tammy (405) 670-1600

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 201 Woodman Lease amount: $650.00 Sect. 8: Yes

City: Midwest City Schools: Mid-Del Bedrooms: 3 Bathrooms: 2

Garage: n/a Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher, refrigerator

Date Available: now Security Deposit: $500 Pets: No

Non-refundable pet fee: N/A

Directions: Reno & Midwest Blvd east to Woodman north to property

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Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent electric

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

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Address: 4801 Creekwood Lease amount: $725.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 2

Garage: 2 Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove,

Date Available: 12/31/08 Security Deposit: $400 Pets: No

Non-refundable pet fee: N/A

Directions: SE 44^th and Bryant south to Oakcliff drive east to Creekwood left to property

Two living areas

I------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Address: 205 Windsor Way Lease amount: $450.00 Sect. 8: Yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 2

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent elec

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: yes

Non-refundable pet fee: 4200

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

Address: 1213 Christine Lease amount: $600.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: window unit

Appliances: stove new carpet, fresh paint

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: NE 10^th & Douglas east to Christine north to property

Address: 5300 Creekwood Lease amount: $650.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 1.5

Garage: 2 Fireplace: no Heat type: Cent gas

Cooling type: cent elec

Appliances: stove

Date Available: 11/1/08 Security Deposit: $400 Pets: yes

Non-refundable pet fee: $200

Directions: SE 44^th & Bryant south to Oakcliff east to Creekwood right to property

Address: 725 Eckroat Lease amount: $550.00 Sect. 8: No

City: __OKC_____ Schools: _Crooked Oak Bedrooms: 2 Bathrooms: _1.5_

Garage: 2_ Fireplace: yes__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove, dishwasher__

Date Available: __now_ Security Deposit: _$400 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 15^th and Bryant west to Grand north to SE 8^th east to property_______________________________________

Address: ___401 S Grand Lease amount: __$650.00_ Sect. 8:__no

City: __OKC_____ Schools: _Crooked Oak Bedrooms: 3 Bathrooms: _1

Garage: 2_ Fireplace: no__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove, dishwasher__

Date Available: __now_ Security Deposit: _$600 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 15^th and Bryant west to Grand north to property_______________________________________

Address: ___3017 SE 57th_________Lease amount: __$775.00_ Sect. 8:__yes

City: _Oklahoma City_____ Schools: _OKC Bedrooms: 4 Bathrooms: _2_

Garage: 0_ Fireplace: yes__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove,__

Date Available: __now_ Security Deposit: _$400 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 59^th & Bryant north to SE 57^th east to property_____

2 living areas

SOLD AND CLOSED IN 33 DAYS

Tammy Carpenter (Home Team Realty, llc) — Wed, 03 Sep 2008 11:03:07 -0500

3609 SE 24th, Del City, OK

SOLD AND CLOSED IN 33 DAYS

Who says the market is slow in Oklahoma?

This newly remodeled home in Del City sold and closed within 33 days of it's lisitng. I'm a firm believer a property in good condition and priced within the market will sell. If you would like to know the marketability of your home, give me a call at (405)202-3690.

Tammy Carpenter

FHA...the time to act is now!

Tammy Carpenter (Home Team Realty, llc) — Wed, 03 Sep 2008 10:44:14 -0500

Via Larry Bettag Illinois FHA Specialist:

FHA mortgages are the best thing out there. Now representing over 40% of the market in this economy, this once dinasour of a program that was thought to be near extinction is now the buzz for most home buyers. What does FHA give you as a homebuyer?

1) The loan is assumable. If you want to, when you sell your home, you can get your mortgage to be assumed by future homebuyers. If rates climb to 9% and the rate your in is 6.5%, you can have your mortgage be assumed by a future homebuyer;

2) Gifts are still allowed for downpayments. No other program is as agressive in getting buyers into loans. Conventional loans require a minimum of 3% of the buyer's own funds to be invested into the purchase. No so with FHA. FHA allows gifts for the entire downpayment.

3) Downpayment Assistance, albeit for the time being short lived, can still be used to puchase a home. In other words, a non for profit downpayment assistance company can get you in the home by providing for your entire downpayment;

4) Non-occupant co-borrowers - are allowed. The primary borrower doesn't even need to qualify by their own merits. I see this a lot for parents who want to buy a home and have their college child live in it during their schooling;

5) Non-traditional credit. FHA has a manual called the 4155. The 4155 specifically says "the lack of credit is not sufficient reason to deny a borrower." That means that even if you don't have credit you still have the opportunity to buy a home. You'll never find this with a conventional loan;

6) Credit in general - FHA allows for manual underwriting and automated underwriting. That means that if your credit is less than stellar, that, in and of itself will not bar you from obtaining a loan.

7) Appraisals - Appraisals have been streamlined to look more like Fannie Mae and Freddie Mac. What does that mean to you? You won't have all of the headaches that you initially would have in order to get an appraisal approved. A lot less conditions for appraisals;

8) Increased loan limits - FHA has raised the county loan limits nationally. Those of you who thought your loan was too big to refinance....that's not the case anymore. With expanded loan limits, this just might be perfect. Plus FHA is more agressive in what they'll permit for cash-out refinances. This is huge!

There are a myriad of other FHA pluses to help you consider buying a home, but if you're looking to buy. The FHA Modernization Act has brought FHA back to the forefront. Call me today to find out more about your homebuying options.

DEL CITY'S CITY WIDE GARAGE SALE

Tammy Carpenter (Home Team Realty, llc) — Wed, 03 Sep 2008 10:19:14 -0500

CITY OF DEL CITY

CITY WIDE GARAGE SALE

SEPTEMBER 5- 6- 7, 2008

The city of Del City is hosting a City Wide garage sale the first weekend of September. There will be no charge for the permits.

Pick up your free permit at

City of Del City

4517 SE 29^th, Del City, OK

For more information call (405)677-5741

FHA Financing Changes...

Tammy Carpenter (Home Team Realty, llc) — Fri, 29 Aug 2008 10:14:24 -0500

I found this post very informative and want to share it with you.

Via Ken Pederson, Certified Mortgage Planner:

FHA financing is undergoing some changes as a result of the "Housing and Economic Recovery Act" or HERA. Here are a few of the major changes.

*No more seller-funded Down Payment Assitance programs. Grants and gift money is still OK.
*Buyer contributions will be increased from 3% to 3.5%
*The recent credit-score driven mortgage insurance costs are being postponed.
*For most FHA home purchases and refinances, there is a small bump from 1.5% to 1.75% for the Upfront Premium that is financed and the monthly renewal cost is increasing from .50% to .55%. This is a minor change that won't alter qualifying or anyones ability to qualify for a home.

FHA home financing has dramtically increased their market share of loans due to the HUGE tightening changes that conventional (FNMA and FHLMC) and private mortgage insurance companies have initiated over the past 10 months. FHA is flexible, has more credit score flexibility and more down payment options and similar and even sometimes lower interest rates.
Primary benefits of FHA:
*6% seller concession is allowed
*3.5% buyer contribution may be gifted to the buyer
*Non-occupying co-borrowers are allowed to help with qualifying
*FHA says they have no minimum credit score, but most investors have their own limitations, often in the 580 range.
*1-4 unit properties, owner-occupied only, may be purchased with small down payment

Luckily for me, FAIRWAY Independent Mortgage is a fully approved FHA Lender which gives us many advantages over mortgage brokers that are not approved FHA lenders or acting as a broker. Be safe, work with a fully approved FHA lender and mortgage banker.

PA's Best Lender
Ken Pederson
Certified Mortgage Planner, CMPS
717-431-9299

DEL CREST SOFTBALL SCHEDULE

Tammy Carpenter (Home Team Realty, llc) — Fri, 29 Aug 2008 09:52:33 -0500

Date	Day	Falcon Softball Opponent	Place	Time
Postponed	Thursday	Choctaw	Home	4:00
Cancelled	Friday	Tounament	Carl Albert	TBA
Cancelled	Saturday	Tounament	Carl Albert	TBA
8/26/2008	Tuesday	Kerr	Away	4:00
Postponed	Thursday	Carl Albert	Home	4:00
9/2/2008	Tuesday	Nicoma Park	Home	4:00
9/4/2008	Thursday	Jarman (DH)	Away	4:00
9/9/2008	Tuesday	Kerr	Away	4:00
9/11/2008	Thursday	Carl Albert (DH)	Away	4:00
9/16/2008	Tuesday	Monroney (DH)	Away	4:00
9/18/2008	Thursday	Choctaw (DH)	Away	4:00
9/29/2008	Monday	Nicoma Park	Away	4:00

Last updated: Aug 26 2008 01:14:35 pm CST

Pasted from <http://sc.mid-del.net/education/components/scrapbook/default.php?sectiondetailid=26605>

Rental List Updated 8/21/08

Tammy Carpenter (Home Team Realty, llc) — Thu, 21 Aug 2008 13:17:28 -0500

CENTURY 21 MALONE'S HOMES

RENTAL LIST

08/21/08

To schedule a showing, call Tammy (405) 802-1429

or visit www.DelCityRealtor.com

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 3604 SE 15th Lease amount: $495.00 Sect. 8: Yes

City: Del City Schools: Mid-Del Bedrooms: 2 Bathrooms: 1

Garage: 1 car Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove

Date Available: now Security Deposit: $400 Pets: No

Non-refundable pet fee: N/A

Directions: SE 15^th between Bryant and Sunnylane

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Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent electric

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

Address: 3329 Dentwood Lease amount: $650.00 Sect. 8: Yes

City: Del City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove,

Date Available: 5/23/08 Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: SE 29^th & Bryant south to Dentwood east to property

New carpet, fresh paint

Address: 257 Windsor Way Lease amount: $500.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: $200

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

Address: 205 Windsor Way Lease amount: $525.00 Sect. 8: Yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1.5

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent elec

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

Address: 1213 Christine Lease amount: $600.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: window unit

Appliances: stove new carpet, fresh paint

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: NE 10^th & Douglas east to Christine north to property

Address: 8751 St. Georgeway Lease amount: $395.00 Sect. 8: Yes

City: Midwest City Schools: Mid-Del Bedrooms: 1 Bathrooms: 1

Garage: 0 Fireplace: no Heat type: Cent gas

Cooling type: cent elec

Appliances: stove, dishwasher, washer & dryer

Date Available: now Security Deposit: $300 Pets: no

Non-refundable pet fee: N/A

Directions: E. Reno & Midwest Blvd east to Woodman north to St. Georgeway east to property

Address: 110 Kendra Lease amount: $475.00 Sect. 8: Yes

City: Del City Schools: Mid-Del Bedrooms: 2 Bathrooms: 1.5

Garage: 0 Fireplace: no Heat type: Cent gas

Cooling type: cent elec

Appliances: stove, dishwasher

Date Available: Now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: Reno & Midwest Blvd east to Kendra north to property

Condo

Address: ___725 Eckroat_________Lease amount: __$575.00_ Sect. 8:__no

City:    __OKC_____   Schools: _Crooked Oak        Bedrooms: 2 Bathrooms:     _1.5_

Garage:            2_        Fireplace:         yes__   Heat type:     Cent gas__

Cooling type: _Central___

Appliances:     _stove, dishwasher__

Date Available:           __now_                       Security Deposit:       _$400 Pets: _No_

Non-refundable pet fee:          n/a__

Directions:       SE 15^th and Bryant west to Grand north to SE 8^th east to property_______________________________________

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Address: ___625 SW 38^th Pl_________Lease amount: __$950.00_            Sect. 8:__no

City:    __Moore_____   Schools: _Moore      Bedrooms: 3 Bathrooms:     _2_

Garage:            2_        Fireplace:         yes__   Heat type:     Cent gas__

Cooling type: _Central___

Appliances:     _stove, dishwasher, __

Date Available:           __now_                       Security Deposit:       _$600 Pets: _Yes_

Non-refundable pet fee:          $200__

Directions:                    Apple Valley Addition off of Toby Keith Blvd south of Broadway_____

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Address: ___401 S Grand    Lease amount: __$650.00_      Sect. 8:__no

City:    __OKC_____   Schools: _Crooked Oak        Bedrooms: 3 Bathrooms:     _1

Garage:            2_        Fireplace:         no__    Heat type:     Cent gas__

Cooling type: _Central___

Appliances:     _stove, dishwasher__

Date Available:           __now_                       Security Deposit:       _$600 Pets: _No_

Non-refundable pet fee:          n/a__

Directions:       SE 15^th and Bryant west to Grand north to property_______________________________________

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Address: ___3017 SE 57th_________Lease amount: __$650.00_ Sect. 8:__yes

City:    _Oklahoma City_____   Schools: _OKC       Bedrooms: 3 Bathrooms:     _2_

Garage:            0_        Fireplace:         yes__   Heat type:     Cent gas__

Cooling type: _Central___

Appliances:     _stove,__

Date Available:           __now_                       Security Deposit:       _$400 Pets: _No_

Non-refundable pet fee:          n/a__

Directions:                    SE 59^th & Bryant north to SE 57^th east to property_____

2 living areas

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7500 Tax Credit FAQ

Tammy Carpenter (Home Team Realty, llc) — Mon, 18 Aug 2008 18:39:34 -0500

Information for First Time Home Buyers. The following are questions and answers regarding the Tax Credit

Via Ron Bolton:

Who is eligible to claim the $7,500 tax credit?
First time home buyers purchasing any kind of home-new or resale-are eligible for the tax credit. To qualify for the tax credit, a home purchase must occur on or after April 9, 2008 and before July 1, 2009. For the purposes of the tax credit, the purchase date is the date when closing occurs.

What is the definition of a first-time home buyer?
The law defines "first-time home buyer" as a buyer who has not owned a principal residence during the three-year period prior to the purchase. For married taxpayers, the law tests the homeownership history of both the home buyer and his/her spouse. For example, if you have not owned a home in the past three years but your spouse has owned a principal residence, neither you nor your spouse qualifies for the first-time home buyer tax credit. Ownership of a vacation home or rental property not used as a principal residence does not disqualify a buyer as a first-time home buyer.

How do I claim the tax credit? Do I need to complete a form or application?
Participating in the tax credit program is easy. You claim the tax credit on your federal income tax return. No other applications or forms are required. No pre-approval is necessary; however, prospective home buyers will want to be sure they qualify for the credit under the income limits and first-time home buyer tests.

What types of homes will qualify for the tax credit?
Any home purchased by an eligible first-time home buyer will qualify for the credit, provided that the home will be used as a principal residence and the buyer has not owned a home in the previous three years. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats.

Instead of buying a new home from a home builder, I have hired a contractor to construct a home on a lot that I already own. Do I still qualify for the tax credit?
Yes. For the purposes of the home buyer tax credit, a principal residence that is constructed by the home owner is treated by the tax code as having been "purchased" on the date the owner first occupies the house. In this situation, the date of first occupancy must be on or after April 9, 2008 and before July 1, 2009.

In contrast, for newly-constructed homes bought from a home builder, eligibility for the tax credit is determined by the settlement date.

What is "modified adjusted gross income"?
Modified adjusted gross income or MAGI is defined by the IRS. To find it, a taxpayer must first determine "adjusted gross income" or AGI. AGI is total income for a year minus certain deductions (known as "adjustments" or "above-the-line deductions"), but before itemized deductions from Schedule A or personal exemptions are subtracted. On Forms 1040 and 1040A, AGI is the last number on page 1 and first number on page 2 of the form. For Form 1040-EZ, AGI appears on line 4 (as of 2007). Note that AGI includes all forms of income including wages, salaries, interest income, dividends and capital gains.

To determine modified adjusted gross income (MAGI), add to AGI certain amounts such as foreign income, foreign-housing deductions, student-loan deductions, IRA-contribution deductions and deductions for higher-education costs.

If my modified adjusted gross income (MAGI) is above the limit, do I qualify for any tax credit?
Possibly. It depends on your income. Partial credits of less than $7,500 are available for some taxpayers whose MAGI exceeds the phaseout limits. The credit becomes totally unavailable for individual taxpayers with a modified adjusted gross income of more than $95,000 and for married taxpayers filing joint returns with an AGI of more than $170,000.

Can you give me an example of how the partial tax credit is determined?
Just as an example, assume that a married couple has a modified adjusted gross income of $160,000. The applicable phaseout to qualify for the tax credit is $150,000, and the couple is $10,000 over this amount. Dividing $10,000 by $20,000 yields 0.5. When you subtract 0.5 from 1.0, the result is 0.5. To determine the amount of the partial first-time home buyer tax credit that is available to this couple, multiply $7,500 by 0.5. The result is $3,750.

Here's another example: assume that an individual home buyer has a modified adjusted gross income of $88,000. The buyer's income exceeds $75,000 by $13,000. Dividing $13,000 by $20,000 yields 0.65. When you subtract 0.65 from 1.0, the result is 0.35. Multiplying $7,500 by 0.35 shows that the buyer is eligible for a partial tax credit of $2,625.

Please remember that these examples are intended to provide a general idea of how the tax credit might be applied in different circumstances. You should always consult your tax advisor for information relating to your specific circumstances.

Does the credit amount differ based on tax filing status?
No. The credit is in general equal to $7,500 for a qualified home purchase, whether the home buyer files taxes as a single or married taxpayer. However, if a household files their taxes as "married filing separately" (in effect, filing two returns), then the credit of $7,500 is claimed as a $3,750 credit on each of the two returns.

Are there any circumstances for which buyers whose incomes are at or below the $75,000 limit for singles or the $150,000 limit for married taxpayers might not be able to claim the full $7,500 tax credit?
In general, the tax credit is equal to 10% of the qualified home purchase price, but the credit amount is capped or limited at $7,500. For most first-time home buyers, this means the credit will equal $7,500. For home buyers purchasing a home priced less than $75,000, the credit will equal 10% of the purchase price.

I heard that the tax credit is refundable. What does that mean?
The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer a check for a portion or even all of the amount of the refundable tax credit.

For example, if a qualified home buyer expected, notwithstanding the tax credit, federal income tax liability of $5,000 and had tax withholding of $4,000 for the year, then without the tax credit the taxpayer would owe the IRS $1,000 on April 15th. Suppose now that taxpayer qualified for the $7,500 home buyer tax credit. As a result, the taxpayer would receive a check for $6,500 ($7,500 minus the $1,000 owed).

What is the difference between a tax credit and a tax deduction?
A tax credit is a dollar-for-dollar reduction in what the taxpayer owes. That means that a taxpayer who owes $7,500 in income taxes and who receives a $7,500 tax credit would owe nothing to the IRS.

A tax deduction is subtracted from the amount of income that is taxed. Using the same example, assume the taxpayer is in the 15 percent tax bracket and owes $7,500 in income taxes. If the taxpayer receives a $7,500 deduction, the taxpayer's tax liability would be reduced by $1,125 (15 percent of $7,500), or lowered from $7,500 to $6,375.

Can I claim the tax credit if I finance the purchase of my home under a mortgage revenue bond (MRB) program?
No. The tax credit cannot be combined with the MRB home buyer program.

I live in the District of Columbia. Can I claim both the DC first-time home buyer credit and this new credit?
No. You can claim only one.

I am not a U.S. citizen. Can I claim the tax credit?
Maybe. Anyone who is not a nonresident alien (as defined by the IRS), who has not owned a principal residence in the previous three years and who meets the income limits test may claim the tax credit for a qualified home purchase. The IRS provides a definition of "nonresident alien" in IRS Publication 519.

Does the credit have to be paid back to the government? If so, what are the payback provisions?
Yes, the tax credit must be repaid. Home buyers will be required to repay the credit to the government, without interest, over 15 years or when they sell the house, if there is sufficient capital gain from the sale. For example, a home buyer claiming a $7,500 credit would repay the credit at $500 per year. The home owner does not have to begin making repayments on the credit until two years after the credit is claimed. So if the tax credit is claimed on the 2008 tax return, a $500 payment is not due until the 2010 tax return is filed. If the home owner sold the home, then the remaining credit amount would be due from the profit on the home sale. If there was insufficient profit, then the remaining credit payback would be forgiven.

Why must the money be repaid?
Congress's intent was to provide as large a financial resource as possible for home buyers in the year that they purchase a home. In addition to helping first-time home buyers, this will maximize the stimulus for the housing market and the economy, will help stabilize home prices, and will increase home sales. The repayment requirement reduces the effect on the Federal Treasury and assumes that home buyers will benefit from stabilized and, eventually, increasing future housing prices.

Because the money must be repaid, isn't the first-time home buyer program really a zero-interest loan rather than a traditional tax credit?
Yes. Because the tax credit must be repaid, it operates like a zero-interest loan. Assuming an interest rate of 7%, that means the home owner saves up to $4,200 in interest payments over the 15-year repayment period. Compared to $7,500 financed through a 30-year mortgage with a 7% interest rate, the home buyer tax credit saves home buyers over $8,100 in interest payments. The program is called a tax credit because it operates through the tax code and is administered by the IRS. Also like a tax credit, it provides a reduction in tax liability in the year it is claimed.

If I'm qualified for the tax credit and buy a home in 2009, can I apply the tax credit against my 2008 tax return?
Yes. The law allows taxpayers to choose ("elect") to treat qualified home purchases in 2009 as if the purchase occurred on December 31, 2008. This means that the 2008 income limit (MAGI) applies and the election accelerates when the credit can be claimed (tax filing for 2008 returns instead of for 2009 returns). A benefit of this election is that a home buyer in 2009 will know their 2008 MAGI with certainty, thereby helping the buyer know whether the income limit will reduce their credit amount.

For a home purchase in 2009, can I choose whether to treat the purchase as occurring in 2008 or 2009, depending on in which year my credit amount is the largest?
Yes. If the applicable income phaseout would reduce your home buyer tax credit amount in 2009 and a larger credit would be available using the 2008 MAGI amounts, then you can choose the year that yields the largest credit amount.

Is there any way for a home buyer to access the money allocable to the credit sooner than waiting to file their 2008 tax return?
Yes. Prospective home buyers who believe they qualify for the tax credit are permitted to reduce their income tax withholding. Reducing tax withholding (up to the amount of the credit) will enable the future home buyer to accumulate cash by raising his/her take home pay. This money can then be applied to the downpayment. Buyers should adjust their withholding amount on their W-4 via their employer or through their quarterly estimated tax payment. IRS Publication 919 contains rules and guidelines for income tax withholding.

RENTAL LIST 04/22/08

Tammy Carpenter (Home Team Realty, llc) — Tue, 22 Apr 2008 10:26:21 -0500

CENTURY 21 MALONE'S HOMES

RENTAL LIST

04/22/08

To schedule a showing, call Tammy 202-3690

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 3808 Corbett Dr Lease amount: $875.00 Sect. 8: No

City: Del City Schools: Mid-Del Bedrooms: 3 Bathrooms: 2

Garage: 2 car Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher, refrigerator

Date Available: now Security Deposit: $400 Pets: Yes

Non-refundable pet fee: $200

Directions: S.E. 29^th & Sunnylane south to Corbett west to address

----2 living areas, approx 1500sf-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent electric

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

Address: 213 E Kittyhawk Lease amount: $495.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 2 Bathrooms: 1

Garage: 0 Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, refrigerator

Date Available: 5/15/08 Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: SE 15^th & Air Depot east to E. Lockheed south to E. Kittyhawk east to property

Address: 257 Windsor Way Lease amount: $525.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: $200

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

Address: 4221 SE 50^th Terr Lease amount: $625.00 Sect. 8: No

City: Del City Schools: Mid-Del Bedrooms: 3 Bathrooms: 1.5

Garage: 2 Fireplace: yes Heat type: cent gas

Cooling type: cent elec

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: Corner of SE 50^th Terr and Sunnylane

Address: 1213 Christine Lease amount: $600.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: window unit

Appliances: stove new carpet, fresh paint

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: NE 10^th & Douglas east to Christine north to property

Address: 8751 St. Georgeway Lease amount: $395.00 Sect. 8: Yes

City: Midwest City Schools: Mid-Del Bedrooms: 1 Bathrooms: 1

Garage: 0 Fireplace: no Heat type: Cent gas

Cooling type: cent elec

Appliances: stove, dishwasher, washer & dryer

Date Available: now Security Deposit: $300 Pets: no

Non-refundable pet fee: N/A

Directions: E. Reno & Midwest Blvd east to Woodman north to St. Georgeway east to property

Address: 1601 Breckenridge Lease amount: $450.00 Sect. 8: yes

City: Del City Schools: Mid-del Bedrooms: 2 Bathrooms: 1

Garage: 0 Fireplace: no Heat type: wall heat

Cooling type: window unit

Appliances: stove new carpet, fresh paint

Date Available: now Security Deposit: $350 Pets: no

Non-refundable pet fee: N/A

Directions: SE 15^th & Sunnylane west to Karen south to Breckenridge west to property

RENTAL LIST 04/01/2008

Tammy Carpenter (Home Team Realty, llc) — Tue, 01 Apr 2008 11:16:06 -0500

CENTURY 21 MALONE'S HOMES

RENTAL LIST

04/0108

To schedule a showing, call Tammy 202-3690

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 4225 Sunnyview Lease amount: $600.00 Sect. 8: No

City: Del City Schools: Mid-Del Bedrooms: 3 Bathrooms: 1.5

Garage: 1 car Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: Yes

Non-refundable pet fee: $200

Directions: S.E. 29^th & Sunnylane south to SE 41^st east to Sunnyview south to property

Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent electric

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

Address: 2837 SE 45 Lease amount: $650.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 1.5

Garage: 2 Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove

Date Available: now Security Deposit: $400 Pets: yes

Non-refundable pet fee: $200

Directions: SE 44^th & Bryant west to Madera Blvd south to SE 45^th east to property

Address: 257 Windsor Way Lease amount: $525.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: $200

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

DEL AIRE MARKET REPORT

Tammy Carpenter (Home Team Realty, llc) — Wed, 19 Mar 2008 12:08:03 -0500

Del Aire Market Report

Del City, OK

March 19, 2008

Currently Active Listings

Active 9

Current list prices $83,400 - $70,000

Average list price $129,277

Currently Pending Listings

Pending 3

Average pending price $129,300

Sold in the last 90 Days

Sold 6

Average sales price $123,933

Average Days on Market 50

For information on the marketability of your home, give Tammy Carpenter a call at (405)202-3690

This information is provided by the OKCMLS.

DEL MAR HILLS MARKET REPORT

Tammy Carpenter (Home Team Realty, llc) — Wed, 19 Mar 2008 12:00:16 -0500

Del Mar Hills Market Report

Del City, OK

March 19, 2008

Currently Active Listings

Active 2

Current list prices $76,500 - $114,900

Average list price $95,700

Currently Pending Listings

Pending 3

Average pending price $86,966

Sold in the last 90 Days

Sold 2

Average sales price $66,000

Average Days on Market 62

For information on the marketability of your home, give Tammy Carpenter a call at (405)202-3690

This information is provided by the OKCMLS.

DEL RANCHO MARKET ANALYSIS

Tammy Carpenter (Home Team Realty, llc) — Wed, 19 Mar 2008 11:54:32 -0500

Del Rancho Market Report

Del City, OK

March 19, 2008

Currently Active Listings

Active 10

Current list prices $53,000 - $79,800

Average list price $61,790

Currently Pending Listings

Pending 5

Average pending price $49,800

Sold in the last 90 Days

Sold 1

Average sales price $72,500

Average Days on Market 142

For information on the marketability of your home, give Tammy Carpenter a call at (405)202-3690

This information is provided by the OKCMLS.

DEL CREST HEIGHTS MARKET REPORT

Tammy Carpenter (Home Team Realty, llc) — Wed, 19 Mar 2008 11:47:48 -0500

Del Crest Heights Market Report

Del City, OK

March 19, 2008

Currently Active Listings

Active 11

Current list prices $68,500 - $119,900

Average list price $83,772

Currently Pending Listings

Pending 6

Average pending price $86,100

Sold in the last 90 Days

Sold 4

Average sales price $78,387

Average Days on Market 47

For information on the marketability of your home, give Tammy Carpenter a call at (405)202-3690

This information is provided by the OKCMLS.

MANSFIELD MARKET REPORT

Tammy Carpenter (Home Team Realty, llc) — Wed, 19 Mar 2008 11:39:20 -0500

Mansfield Market Report

Del City, OK

March 19, 2008

Currently Active Listings

Active 9

Current list prices $30,000 - $89,000

Average list price $62,777

Currently Pending Listings

Pending 1

Average pending price $30,400

Sold in the last 90 Days

Sold 4

Average sales price $52,500

Average Days on Market 60

For information on the marketability of your home, give Tammy Carpenter a call at (405)202-3690

This information is provided by the OKCMLS.

CALLING ALL INVESTORS!!

Tammy Carpenter (Home Team Realty, llc) — Thu, 13 Mar 2008 12:53:01 -0500

Tammy Carpenter | Century 21 Malone's Homes | tallyms@cox.net | (405)202-3690

645 SE 12th, Oklahoma City, OK

Great Investment Package

3 Bdrm Single Family House

offered at $480,000

Year Built	1920
Sq Footage	1,170
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	Unspecified
Parking	Unspecified
Lot Size	6,750 sqft
HOA/Maint	$0 per month

DESCRIPTION

Package of 32 units within 1 mile of each other. Priced at $480,000. Potential rental income over $6,000 per month. To be cash as-is. Call or e-mail for full property list. Tallyms@cox.net

see additional photos below

ADDITIONAL PHOTOS

Seller contact info:

Tammy Carpenter

Century 21 Malone's Homes

tallyms@cox.net

(405)202-3690

For sale by agent/broker

Equal Opportunity Housing

Posted: Mar 13, 2008, 8:48am PDT

ARE YOU A FREEGAN?

Tammy Carpenter (Home Team Realty, llc) — Thu, 28 Feb 2008 09:53:31 -0600

Yesterday afternoon I was able to catch the Oprah show. She had guests on that practiced freeganism.

Freeganism is when a person dumpster dives for food and other household items, not because they have to because they choose to. There was one younger couple (a doctor and an engineer) that has been doing it for a couple of years now, they showed the things they had dug out of the garbage. You can click on the blue link to view the video.

My question is have you ever found another person's discarded items that you brought home to use? I know I have. When I was younger my step dad owned a commercial trash service, he would always tell me "One mans junk is another man's treasure". I'm not saying I'm going to dig in the dumpster for my food, but I have found used carpeting, exercise equipment and a few pieces of furniture. It's not below me neither to ask for the throwaways at the grocery store for my chickens either, they won't always give it to you. I think we as a society have come to live in a throw away world and it's a shame when their are so many that do without.

SPOT Clinic Open House

Tammy Carpenter (Home Team Realty, llc) — Tue, 26 Feb 2008 15:19:04 -0600

Volunteers for Animal Welfare's

SPOT Clinic Open House

Annual Meeting & Election

Saturday, March 1st, 2008

Time: 10:00am - 12:00pm

Where: 2017 S Santa Fe, Oklahoma City, OK 73109

Go to www.vawokc.org to download a map.

Click on SPOT Clinic and then on Map & Directions.

Discussions: FUR BALL, 2008, JUNE 7TH FUNDRAISING EVENT

RENTAL LIST UPDATED 02/25/2008

Tammy Carpenter (Home Team Realty, llc) — Tue, 26 Feb 2008 14:51:06 -0600

CENTURY 21 MALONE'S HOMES

RENTAL LIST

02/25/08

To schedule a showing, call Tammy 202-3690

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 705 Eckroat Lease amount: $650.00 Sect. 8: No

City: Oklahoma City Schools: Oklahoma City Bedrooms: 3 Bathrooms: 2

Garage: 2 car Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: No

Non-refundable pet fee: N/A

Directions: S.E. 15^th & Bryant west to Grand north to SE 8^th east to Eckroat north to property

Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

Address: 4017 SE 45 Lease amount: $650.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 3 Bathrooms: 1.5

Garage: none Fireplace: no Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: SE 44^th & Sunnylane west to Dimple south to SE 45^th west to property

Address: 5929 SE 67^th St. Lease amount: $950.00 Sect. 8: No

City: Oklahoma City Schools: Mid-Del Bedrooms: 3 Bathrooms: 2

Garage: 2 Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $600 Pets: yes

Non-refundable pet fee: $200

Directions: I-240 & Sooner north on Sooner to SE 67^th east to property

Address: 257 Windsor Way   Lease amount: $525.00           Sect. 8: yes

City:    Midwest City   Schools: OKC            Bedrooms:      3          Bathrooms:     1

Garage:            1          Fireplace:         no        Heat type:     cent gas

Cooling type: cent electric

Appliances:     stove, dishwasher

Date Available:           now                 Security Deposit:       $400    Pets: no

Non-refundable pet fee:          $200

Directions:       Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Super Clean 4 bedroom in Oklahoma City

Tammy Carpenter (Home Team Realty, llc) — Tue, 12 Feb 2008 13:58:24 -0600

Tammy Carpenter | Century 21 Malone's Homes | tallyms@cox.net | (405) 202-3690

6913 Ashby Terrace, Oklahoma City, OK

Super Clean Four Bedroom

4 Bdrm Single Family House

offered at $69,900

Year Built	1961
Sq Footage	1,216
Bedrooms	4
Bathrooms	1 full, 0 partial
Floors	1
Parking	1 Uncovered spaces
Lot Size	9,240 sqft
HOA/Maint	$0 per month

DESCRIPTION

Seller will pay $1000 towards Buyer's closing cost on this super clean four bedroom home with full price offer. Master bedroom has a fireplace or could be used as a three bedroom two living areas. New carpet and fresh paint. Square footage to be verified by Buyer

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
Stove/Oven	Laundry area - inside	Yard

ADDITIONAL PHOTOS

Seller contact info:

Tammy Carpenter

Century 21 Malone's Homes

tallyms@cox.net

(405) 202-3690

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 12, 2008, 9:35am PST