Twin Cities North Metro Real Estate ~ Anoka County Blog ~ Forest Lake, Lino Lakes & Ham Lake

Could it be the WINTER to Move Up to a Bigger House? YES!!

Fri, 20 Nov 2009 08:49:03 -0600

So, your family has lived and loved your cute and cozy 1960’s rambler for a few years now. It was perfect for a young, just married couple when you bought it. The bedrooms were on the small side but there was room to grow and it worked perfectly when there were just two of you. Then came the puppy who grew into a huge licking Labrador. And later one baby, then two. Now suddenly 1500 square feet is overrun with chew toys, Little Tikes and Duplos. That cozy little starter home is now cramping your lifestyle. But with the flux in the real estate market, can you afford to move? In many cases, YES!

If the scenario above describes your situation, listen up. You could now be ELIGIBLE for the HOMEBUYERS TAX CREDIT. Yep it is not just for first time buyers anymore! Additionally, you can benefit from the situation that the first time buyer credit has created. The first time buyer tax credit has affected the starter home market in a very positive way. In the north metro areas including Lino Lakes, Blaine, Ham Lake, White Bear and Forest Lake, people are scrambling to find good starter homes for first time buyers prior to the expiration of the first time home credit. Many well priced, single family homes are seeing multiple offers within days of hitting the Twin Cities MLS. The demand for single family homes under $150K is the highest it has been in the past few years.

And better still, there is an amazing selection of homes in the move up category to select from. Historically, if a single family home was sold, that owner had to buy another home creating a chain effect into all different price points. But today’s real estate market offers a unique opportunity as many of the homes being purchased are bank-owned. No one is buying home on the other end. So there move up buyers are seeing a better selection of inventory in the higher price points at great prices. So why move now? To take advantage of the tax credit, buyers must write up an offer for their new home by April 30, 2010. When the incentive is over, the demand for homes could level off a bit. So listing your home THIS winter could make sense as there is a significant demand for starter homes NOW while the deadline for the expiring tax credit is on the horizon.

Are you ready to take advantage of this perfect opportunity to purchase a larger home for your growing family? As a local north metro real estate specialist I can help you assess your current situation and see if is the right time for your family to make a move up!

Note: A special thank you to author and illustrator Elizabeth O. Dulemba for allowing me to use her copyrighted family coloring page as art for my post. If you would like to see more of her coloring pages or her full color art for the children’s books she writes and illustrates, visit her website and blog at www.dulemba.com

If you are buying, selling or relocating to Minnesota and need help from a professional REALTOR®, give me a call or visit my website for a FREE Relocation Packet, Homebuyers Success Packet or sign up for Listingbook Twin Cities Home Search. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

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Bring the Horses! Open House Sunday November 22nd 1-3PM

Wed, 18 Nov 2009 16:03:52 -0600

22201 Holly St NW, Oak Grove, MN

Open Sunday November 22 from 1-3 PM!

9.3 Wooded Acres! 4BR and Huge Garage! Attractively priced at $259,900

Unique 1 1/2 Story with open floor plan!

Beautifully landscaped! Trails through woods are perfect for horses or ATVs!

Check out the extensive and recently expanded garage!

*A 24X62 addition was added in 2008 to the existing 2-stall garage last year to allow plenty of room for all the toys and tools.

*New sidewalks from garage to home in 2009.

*Two stall garage is sheetrocked and insulated. Gas line has been run to the garage to add heat too.

*Inside the home features tons of natural light from windows and skylights enhancing the open floor plan that ties the kitchen, dining and living areas together.

*All living facilities are on the main level but there are two additional bedrooms in the loft area on the second level.

*Beautiful hickory hardwood floors are spread throughout the main level and kept warm in the winter with in-floor WIRSBO hot water heat.

*Kitchen features full walk-in pantry.

*All appliances included. Washer and Dryer New in 2007. Dishwasher New in 2009.

More Photos at www.terieckholm.com

For additional information on the home contact Teri Eckholm, REALTOR, RE/MAX Specialists at 651-336-7073

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Wordless Wednesday (Almost)--LOLCat Plays Chicken!

Wed, 18 Nov 2009 15:47:08 -0600

Okay it is just plain mean to make a cat wear a hat. That said, I couldn't resist. Living on acreage in Anoka County, we get some unusual visitors from time to time. A few weeks ago, our neighbor's three chickens (we have nicknamed them "the ladies") came up onto our front porch and clucked around below our cat's favorite perch. We bought him the hat so he could blend in with them on the next visit. He's not so certain he is pulling it off though.

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Foreclosure Inventory Down; House Prices Up—Are there Still Good Deals on Acreage and Lakeshore in Anoka County?

Wed, 18 Nov 2009 09:42:37 -0600

Absolutely! There are still GREAT deals on many acreage and lakeshore home throughout Anoka County (and Washington County too)!

The $8000 tax credit caused a flurry of activity at the end of the summer. With the original end of November deadline looming, people rushed to snatch up deals on acreage and lakeshore homes throughout Anoka, Chisago, Ramsey and Washington Counties. But now with the extension and expansion of the tax credit, many first time homebuyers and previous owners alike are excited that they too can STILL get a credit but wonder if they missed out on all the good deals. Not a chance. There are still deals to be found throughout the Twin Cities north and east metro!

Looking for a foreclosure, bank-owned or short sale but need to be able to live in the home immediately after closing?

Good news is that foreclosures are no longer always trashed, fixer-uppers. Today's foreclosures can be simply AWESOME! This economy has forced builders and responsible homeowners alike to let amazing properties go back to the bank. Many are still in pristine condition. Some still may require a bit of cleanup or a few cosmetic changes but there are many in move in condition too.

But not ALL deals are foreclosures!

Many homes priced to sell are people who have to sell do to a lifestyle change that is not financial. Whether relocating for a new job, getting married or having twins, people have to find new places to live. If a seller is motivated, they are pricing to compete with the foreclosure market. So don't think the only deals are lender mediated or you could miss out on a beauty!

Here are a few of the treasures I noted while perusing the Twin Cities MLS in Anoka and Washington County today:

New Construction on 2+Acres in Ham Lake. Wooded backyard. Walkout basement. Custom built two story 4BR/3BA/3Car home with over 2500 square feet of finished living space. Down $30K Offered at $361,900
Like NEW Rambler on Egg Lake in Hugo. Beautiful views in awesome 2005 Built executive rambler w/granite, mstr suite and more. Awesome 4BR/3BA/3Car home with walkout and over 3000 square feet of finished living space. Sold for $539K in 2006 now offered at $399,900
Almost NEW Coon Lake Treasure Lakeshore PLUS Acreage !! 2005 built 5BR/3BA on almost 3 wooded acres and 200ft on Coon. Home has 1700+ sq ft finished w/lower level sheetrocked and wired for 1700 more. Priced under $380K.
6200+Sq ft Ham Lake 2Sty on 3.5 Acres! 6BR/6BA/4 car built in 2005 with picture perfect landscaping, oak floors and huge master suite. Originally listed at $825K but short sale priced at $545K!
BRAND NEW 2BR/1BA/3Car Linwood Rambler on 2.5 Acres Main flr laundry, hickory cabinets, landscaped yard and framed for 2 BR and bath in lower level! Originally listed at $249K now $235K!
Amazing value on 100 Ft of Forest Lake shoreline. 1988 built 3BR/3BA/2Car remodeled inside and out with breathtaking views of Forest Lake available due to relocation. Tax valued at $530K and NOT a short sale but down $150K being offered at $374,900
3BR/2BA/3CAR on 7 ACRES in Linwood! Built in 2006 custom built rambler in almost new condition. 3 BR on main, private master with whirlpool, front porch. Original asking price $349K but priced short at $249K.

If you are in the market for a great deal on a lakeshore or acreage home, time to get organized because the rules to buy are a bit different in this changed market. Many times you can be submitting your offer to a bank rather than a traditional seller and how they assess your purchase agreement is all business and less heart.

Eight Tips for homebuyers in this CHANGED real estate market:

Don't wait until after the holidays! Homes are being listed every day...even in November and December. If you wait until January 1st to contact a REALTOR and loan officer for preapproval, you will miss out on a deal or two. Many people choose to wait out until after the holidays...smart buyers will be ready to write an offer even if the home is listed a few days before Santa arrives!
Banks LOVE clean offers. Heck...traditional sellers love them too! Buyers MUST be preapproved with credit checked and employment and funds verified. Documentation must accompany the offer or it won't be considered.
Banks reject lowball offers...often without negotiation. They are a business and know the value of the asset they are selling. Traditional sellers often will be offended by an unreasonable offer and less likely to negotiate. Make sure your agent provides comparable sales to review before writing your offer on the purchase agreement so it makes good sense to both you as a buyer and the seller.
Well priced homes get multiple offers. Serious buyers put in their best bid first.
Banks sell homes AS-IS. Homes held in an estate or owned by a relocation company will also routinely require AS-IS agreements.What you see is what you get. Buyers must be prepared to make all necessary repairs out of their own pocket after closing.
Banks will not pay for inspections in most cases. This includes the septic system and/or well. Be prepared as all inspections could end up being the buyer's responsibility. If you chose to inspect the septic or the county requires a septic compliance test, expect to pay $400-$500 for this inspection. A well test will run around $150. A whole house inspection is $350-$500. Conversely, traditional sellers and relocation companies will often negotiate to determine who will pay for some types of the inspections. A basic home inspection is usually paid for by the homebuyer.
Personal property is not included as part of the sale when a lender owns the home. So if the appliances are at the home when you close, they are a bonus. The bank will not remove. But they don't guarantee will remain at the home or that they are in working order. This means if someone breaks in the home prior to the closing and takes them, the bank will not replace. This is not the case with a traditional sale. Make certain every appliance, as well as any other personal property, is listed in the purchase agreement if the home is sold by a traditional seller.
Having your own REALTOR® to represent your interests is essential. The listing agent is under contract to represent the bank or seller of the property. In many cases, banks do not allow a dual agency so if a buyer contacts the listing agent to write the offer, the buyer does not have representation. This means all of your information goes to the seller...the listing agent is required to tell the seller and their representatives everything that you say about your financing and the amount you are able or willing to pay. But the listing agent is not required to tell you anything in return. The listing agent works only for the seller of the property. Having your own REALTOR® to represent your interests in the transaction usually does not cost anything...It is paid for by the seller.

FEATURED Listings in the Twin Cities North Metro:

9+Acres and 5+Garage in Oak Grove $259,900

Rehab and Build Equity in North St. Paul $99,900

Perfect Condo w/Pondview in New Brighton $149,900

Are YOU ready to find a GREAT DEAL on a home in the Twin Cities North Metro? Let me be your professional REALTOR®!

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Speechless Sunday(Almost)--Do I hear a Gobble Gobble??

Sun, 15 Nov 2009 11:01:02 -0600

I have never been a hunter but buying an acreage home in Anoka County does present the perfect hunting opportunity now and then. Sure we see a deer run through the yard (or in front of our car) now and then but sometimes the missed opportunities are just GOLDEN! Just a few days ago, I heard quite a commotion in my backyard. Just a few weeks prior to Thanksgiving and we have a rafter of TURKEYS make a visit. We counted at least 40 of them. Quite an opportunity to take a shot or two...with my camera! Enjoy!

FYI--A rafter is the correct term for a group or flock of turkeys.

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Wordless Wednesday--Thank You Veterans!

Wed, 11 Nov 2009 17:09:03 -0600

Sometimes a flying flag doesn't affect us but on days like Veteran's Day when our country has just had a very vivid reminder at Fort Hood of how lucky we are that there are so many couragous men and women fighting to protect our freedoms, the flag means so much more. This flag flies over White Bear Lake near my office. Just one of many, many symbolic thank you's to our veterans.

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Birch Ponds Condo in New Brighton MN Open House Sunday November 15th 1-3PM

Wed, 11 Nov 2009 15:38:22 -0600

20 Windsor LN NW #310A, New Brighton, MN

Open Sunday November 15 from 1-3 PM!

Perfect size & Beautiful View! Priced reduced to $149,900

Wonderful third floor condo in secure and convenient Birch Pond Development!

Conveniently located just off Silver Lake Rd and County Rd E.

Huge formal living room area that opens to formal dining area and second bedroom.

Beautiful pond views from every window in the unit!

Eat-in Kitchen with newer appliances and an abundance of storage.

In-unit laundry room, washer and dryer also included!

Walking trails, swimming pool, workout room, workshop area, carwash, guest suite.

So many amenities are available to Birch Pond owners!

More Photos at www.terieckholm.com

For additional information on the home contact Teri Eckholm, REALTOR, RE/MAX Specialists at 651-336-7073.

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Expanded Tax Credit Will Make Moving in a MN Winter Worth the Effort!

Sun, 08 Nov 2009 10:45:13 -0600

Everyone knows that S word associated with a Minnesota Winter: SNOW! The dreaded elements of the season that scare many "sunshine and warmth" lovers out of our great state do present problems when it comes to moving and selling a home. But this year if you wait until spring, you could lose out big time. The expanded and extended tax credit for homebuyers will expire in April 2010 just as the warm winds of spring make a comeback. If you are considering a move in the next 6-12 months, listing your home now could definitely be to your advantage. Here are a few reasons…besides the $6500 tax credit…that might convince you to put your home on the market now:

Buyers who look at homes in the winter months in Minnesota are serious about purchasing a house. There are less “snow” tire-kickers when you have to navigate to showings along icy roads.
Not all first time buyers could find that perfect foreclosure home this summer. Many would prefer to work with a traditional seller who can provide a history of the home on a disclosure.
Buyers like viewing homes where the utilities have not been disconnected, and this is true especially in the winter. As a traditional seller your home isn’t winterized and disconnected like vacant, foreclosed properties. Buyers will definitely feel a warm glow any home with the lights and heat on!
Snow can cover landscaping flaws. If fido has left dead spots in the grass, now one will notice.
Homes look very festive during the holidays! Of course don’t go overboard with the lights…This means NO Griswold decorating! But tasteful holiday décor will make a house feel more like home.

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It Passed! Update on the Extended & Expanded Homebuyer Tax Credit

Fri, 06 Nov 2009 13:30:02 -0600

Did you hear it? That big woosh of air was all of those buyers, sellers, REALTORS, loan officers and title representatives that had a purchase agreement with a November 30, 2009 closing date breathing out a collective sigh of relief. An extension for the tax credit for first time homebuyers was approved by both the house and senate and is scheduled to be signed by the president today. Professionals in the industry were worried about the potential bottleneck of all the closings trying to happen before the original deadline because we all know, S*** Happens on the way to the closing table from time to time. (Yep that stands for STUF…wink, wink!) Most closings will go off without a hitch but occasionally there can be delayed a day or so. However, not closing on time could have cost some first time buyers big bucks had the extension not passed.

And, as many buyers, sellers and real estate professionals had hoped, the Homebuyer Tax Credit was not only extended but expanded to include homebuyers who have owned homes in the past. Specifically someone who has owned a home and lived in it for five consecutive years of the last eight, you could qualify for the up to a $6500 tax credit. There are guidelines and limitations so understanding the program is essential. Here are a few key details of the plan:

First time buyers qualify for up to $8000.
Current Homeowners qualify for up to $6500.
Purchase agreements must be written by April 30, 2010.
Closing must be finalized by July 1, 2010.
Income Limits are $125,000 for a single person or $225,000 for married couples.
Home must not cost more than $800,000

For additional details the NAR has two pdf links to additional information on their website:

NAR Homebuyer Tax Credit Changes

NAR Frequently Asked Questions and Answers on the Homebuyer Tax Credit Changes

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Wordless Wednesday--The Beauty of Fall in Anoka County Minnesota

Wed, 04 Nov 2009 16:27:45 -0600

Fall and all of it's beautiful colors are all but a memory in Anoka County and the north and east Twin Cities metro area. While we have a few reminders as we rake, blow and mulch leaves off of our lawns, it won't be long until we are covered with that winter white stuff. Enjoy the beauty of fall while we can!

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Pohlad Grant Now FHA Approved but Deadline is Looming!

Wed, 04 Nov 2009 16:18:12 -0600

The deadline is looming! Not just for the tax credit for first time homebuyer. Anyone interested in buying a home in the 55106 Dayton’s Bluff area, needs to pay attention to the December 31st deadline for this program too! It’s been a few weeks since I had checked the Dayton’s Bluff website for information on the Pohlad Homebuyer Assistance Incentive Program. This is the program that caused so much excitement for buyer’s in the 55106 zip code earlier this year. But this morning when I clicked over I got a very pleasant surprise! The funds are now approved for FHA financing! If you haven’t heard about it yet, this is a great program for homebuyers looking to buy in St. Paul’s 55106 zip code and available through the Pohlad Family Giving Foundation. However, they are not just giving away money here. The funds are distributed at the time of the purchase of the home as a forgivable loan. So it is not as simple as a homebuyer purchasing a house and walking in to the Dayton's Bluff Neighborhood Housing Services of St. Paul to collect an $8000 check. That said, this is still an awesome opportunity if you want to live on the east side of St. Paul!

Here are some of the program's highlights:

*The funds up to $8000 are distributed in the form of a 7 year forgivable deferred loan.

*The loan will have an interest rate of 0%.

*Homebuyers must occupy the property as their principle residence for 7 years.

*Single family homes and duplexes purchases are eligible.

*The funds will be distributed on a first come, first served basis.

*It is only available in the 55106 zip code in St. Paul or 55411 zip code in Minneapolis.

* The funds can be used for down payment and/or closing costs including prepaids.

*First time homebuyers will have to take an approved homebuyer education class.

*Successful, prior homeowners will not have to take a homebuyer class.

*Funds are available to both first time homebuyers and previous homeowners alike.

*There is no maximum household income for the program.

*All homes must close prior to December 31, 2009.

If you are a home buyer interested in buying a home in the Dayton’s Bluff area and want to take advantage of this program, you NEED to be working with a REALTOR® and loan officer that understand the details of how the funding will best work for you. Must of the application process is supplemented by information provided from the mortgage lender or loan officer. Be certain that the people you select to work with really understand how the program works so you don’t miss out on this opportunity. For a pdf document with specific program guidelines for the Pohlad Family Foundation Homebuyer Assistance Incentive Program, CLICK HERE.

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Speechless Sunday--LOLCat~Insert Cheezburger!

Sun, 01 Nov 2009 16:21:06 -0600

While getting ready for vacation a few weeks ago, I tested out our new camera and datacard on our cat. Muffin once again does not want to have a photo taken and is frankly board with the whole process. He yawned just as I snapped the photo. According to my teens, there is an internet theme of lolcats and cheeseburgers so they assured me that "Insert Cheezburger" was the best title for this shot.

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October 2009 Twin Cities Real Estate Market Video Update—Not a Total Comeback but Still Moving Forward!

Sat, 31 Oct 2009 13:19:32 -0500

Althought it is the last day of October, there is still time to share this month's update from the Minneapolis Area Association of REALTORS®.

The October Monthly Skinny points out that even in the cooler September temperatures, theTwin Cities real estate market was hotter than average for early fall. The Twin Cities area saw a 23.5% increase in pending sales in September 2009 as compared to September 2008. Many of these purchase agreements were for homes in the very affordable under $120,000 price range. No doubt due this surge in sales contracts were due to the soon to expire tax credit for first time home buyers. That credit has been such a boon to the lower priced homes that it has really worked down the amount of bank owned properties and there is considerably less inventory in that category going forward.

Short sale properties did not see nearly the same amount of action as there is often timeframe issues when placing an offer on a home that is in a short sale position. With the tax credit deadline looming few first time buyers want to take a chance on a short sale not closing prior to the November 30, 2009 expiration date of the credit as it stands today. Yes, the credit could be extended but it is obvious from the numbers that few buyers wanted to take that chance.

So how does this compare to the real estate market is that for single family homes in Anoka County, Ham Lake, Forest Lake and throughout the Twin Cities north metro? The north metro market has had a similar pattern to the rest of the metro area. We are still dealing with a stagnant townhomes and condo market and single family homes in the higher price points. In both of these catagories, there continues to be some amazing opportunities for buyers as compared to just a few years ago. Move up buyers and downsizers can benefit in this market if they own a home valued under $200,000, the price-point where most first time buyers are looking. Seniors who are down sizing from a reasonably sized/priced home can sell to first time buyers and obtain a condo at a steal of a price. Young families who have overgrown their starter home can move up to a larger home in the $250,000-$300,000 price range and have quite a selection to choose from.

Enjoy the video and remember that positive trends don't equate a comeback as there are still many challenges facing the Twin Cities real estate market. But we are moving forward.

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Friday's Fotos--Happy Halloween~Disney Style!

Fri, 30 Oct 2009 14:12:21 -0500

After returning from a week's vacation in Disneyworld, I figured I'd share some of my favorite "spooky" Disney pictures.

This first one is a photo I took of my drawing from the animation class at Disney's Hollywood Studios. It is a picture of Jack Skellington and Zero from Nightmare before Christmas.

Here's an evening shot outside the Magic Kingdom after the Not So Scary Halloween party.

And last but not the least scariest by any means, a giant fruit bat photograph from the Animal Kingdom. Pretty scary considering there were no screens on the windows to the exhibit.

Happy Halloween Everyone!

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22201 Holly St NW, Oak Grove MN 55011

Thu, 29 Oct 2009 12:01:35 -0500

Welcome to 22201 Holly St NW, Oak Grove !

One-of-a-Kind Showplace on 9.3 Private Wooded Acres!

This property is beautiful inside and out! From the moment you drive up the driveway between the towering oaks, pines and maples, you will know this property is something special. This custom built one and a half story with 4 Bedrooms,1 Bath and 5+Garage stalls won't disappoint.

Check out the extensive and recently expanded garage!

*A 24X62 addition was added in 2008 to the existing 2-stall garage last year to allow plenty of room for all the toys and tools.

*New sidewalks from garage to home in 2009.

*Two stall garage is sheetrocked and insulated. Gas line has been run to the garage to add heat too.

*Beautiful hickory hardwood floors are spread throughout the main level and kept warm in the winter with in-floor WIRSBO hot water heat.

*Kitchen features full walk-in pantry.

*All appliances included. Washer and Dryer New in 2007. Dishwasher New in 2009.

*Inside the home features tons of natural light from windows and skylights enhancing the open floor plan that ties the kitchen, dining and living areas together.

*All living facilities are on the main level but there are two additional bedrooms in the loft area on the second level.

*Prefer a master suite? Convert the smaller upstairs BR into a dream master bath!

*The acreage is inviting to the nature lover with landscaped areas near the home with perennial gardens.

*A recently dug (and DNR approved pond) attracts area wildlife to the front of the home.

*Trails for walking or riding wind throughout the acreage for nature-lovers who like to explore.

NOTE: This is NOT a foreclosure or short sale property! Buyers will get a quick answer on any submitted offer as this home is being sold as part of a family estate.

Need to know more information about this unique opportunity to own this beautiful home on picturesque Anoka County acreage? Call me, Teri Eckholm/ReMax Specialists at 651-336-7073 or visit www.terieckholm.com and click featured homes to see more photos.

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Wordless Wednesday--Fair View of Minneapolis Skyline

Wed, 14 Oct 2009 16:42:09 -0500

For the first time in many years the Department of Natural Resources opened the tower at the Minnesota state fair so fairgoers could have a view of the Twin Cities from several directions at 65 feet above the earth. Only downside to the view was you had to climb up and down the stairs. But what a view of downtown Minneapolis!

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Speechless Sunday(Almost)--Ready or Not, It's Coming!

Sun, 11 Oct 2009 14:28:50 -0500

Put this one in the "Perpetuating the Minnesota Myth" file as this is not normal, but....SNOW is here!

No...I am not ready for this kind of weather! It snowed in MN yesterday...not even an inch but enough to stick on the grass and trees. It is the earliest snow fall in 24 YEARS in the Twin Cities. Of course it melted by the afternoon but no one wants to go from the 80's one week to the 30's the next. And...can you believe it?...The weather gurus are forecasting 2-4 INCHES more for the Monday morning commute? It is going to be a long winter this year!

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2009 3rd Quarter Real Estate Market Statistics for Lino Lakes, MN

Sun, 11 Oct 2009 14:19:10 -0500

Looking for a good deal on lakeshore or acreage in the Minneapolis/St. Paul area north metro? Lino Lakes, MN in Anoka County might be just the ticket. 2009 had seen an abundance of sales in the lower price points with bank owned and lender mediated properties impacting the market. Traditional homes had longer market times and by the end of the 3rd quarter properties were starting to move in even the higher price points.

Lino Lakes has a good mixture of lakeshore, acreage and townhome residences but is more known for having a bit of space between the houses. It conveniently located near the junction of the 35E and 35W split, just north of the Twin Cities, Lino Lakes is a 33 square miles treasure. With 13 lakes and acres of beautiful protected wetland, the community is served by three school districts; Centennial District #12, Forest Lake District #831, and White Bear Lake District #624. The gem attraction is the pristine 2,700-acre Rice Creek Chain of Lakes Regional Park Reserve is situated within the heart of the city. Lino Lakes is committed to maintain this treasure and its natural settings and wildlife habitats for years to come.

Like other communities in the Twin Cities, Lino Lakes homes priced under $300,000 are selling while those priced over $300,000 are lingering on the market. Inventory is way down in the under $200,000 single family home category and sales are strong up in the $200,000 to $300,000 categories for both single family and townhomes. The third quarter cumulative days on market (CDOM) statistic is much lower than for the average CDOM first quarter of 2009 (142 versus 192). It is also better than the CDOM for all of 2008 (142 versus 160). Looking at current inventory levels and the rate of sales for single family homes priced under $200,000, there is about 3-4 months of inventory. And a bit higher with 7-8 months of inventory at the $200K-$300K price point. Surprisingly even the inventory levels in the $300K-$400K range of Lino Lakes single family homes has made quite a bit of progress this summer. This category also is under a year's worth of inventory as it has about 10-11 months worth. Hopefully this will be a trend we see continue as we end 2009 and one that will continue into the new year.

Townhomes continue to struggle even with the $8000 tax credit for first time buyersthat helped make so much difference in the single family home market. In every price category, there continues to be significant inventory and this doesn't include all of the non-MLS listed new construction townhomes in the area either. Motivated sellers will have to be very aggressive with their pricing if they need to sell a townhome in Lino Lakes. Buyers considering townhomes in the Twin Cities north metro have quite an opportunity to make a deal in the Lino Lakes area.

1st Quarter Lino Lakes residential real estate statistics for single family homes:
Under $200,000~ 11 Active Listings, 10 Pending Listings, 8 Sold Listings, 164 CDOM
$200,000-$300,000 ~ 42 Active Listings, 9 Pending Listings, 16 Sold Listings, 146 CDOM
$300,000-$400,000 ~ 28 Active Listings, 4 Pending Listings, 9 Sold Listings, 101 CDOM
$400,000-$500,000 ~ 20 Active Listings, 1 Pending Listings, 1 Sold Listings, 91 CDOM
$500,000 and Up~ 10 Active Listings, 0 Pending Listings, 0 Sold Listings
1st Quarter Lino Lakes residential real estate statistics for townhomes and condos:

Under $200,000~ 26 Active Listings, 1 Pending Listings, 4 Sold Listings, 162 CDOM
$200,000-$300,000 ~ 11 Active Listings, 4 Pending Listings, 0 Sold Listings
$300,000-$400,000 ~5 Active Listings, 0 Pending Listings, 0 Sold Listings

Lakeshore available in Lino Lakes as of 10/11/2009

6 Active Listings

Lino Lakes lakeshore price range: $342,900-$1,118,000
1 Home on Amelia Lake
1 Home on Otter Lake
4 Homes on Reshanau Lake

Acreage properties available in Lino Lakes as of 10/11/2009

15 properties listed on 1-2 Acres priced between $149,900-$619,000.
5 properties listed on 2.1-5 Acres priced between $180,000-$349,900
5 properties listed on 5.1-10 Acres priced between $349,000-$1,118,000
1 property listed on 10.96 Acres priced at $595,000
1 property listed on 29.52 Acres priced at $749,000
1 property listed on 80 Acres priced at $6,000,000

Click HERE to Search for Minnesota Lakeshore Home!

For additional information on any current Lino Lakes real estate listing or for additional information on buying a home in Lino Lakes contact Teri Eckholm directly at 651-336-7073.

**All Statistical information sold based on information from the REGIONAL MULTIPLE LISTING SERVICE of MINNESOTA, INC. for the period of 7/1/09 through 9/30/09.
Home Sales Statistics for other communities in the north metro:

Lino Lakes MN Real Estate Market Statistics 2nd Quarter 2009
Forest Lake MN Real Estate Market Statistics 2nd Quarter 2009
Forest Lake MN Real Estate Market Statistics 3rd Quarter 2009
Blaine, MN Real Estate Market Statistics 2nd Quarter 2009
Ham Lake Real Estate Market Statistics 2nd Quarter 2009
Ham Lake, MN Real Estate Market Statistics for 3rd Quarter 2009

More Anoka County Articles that Might be of Interest:

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Speechless Sunday--Pumpkin Patch Time!

Sun, 04 Oct 2009 17:36:48 -0500

What could be more fun than a fall visit to the pumpkin patch? If you like to pick your own, try Lendt's just west of 35E on County Road 22 in Wyoming or Pinetree just east of 35 E and northof County Road 22 in the Linwood/Stacy area.

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2009 3rd Quarter Real Estate Market Statistics for Ham Lake, MN

Fri, 02 Oct 2009 19:17:04 -0500

It will probably not come as a surprise that the unique Ham Lake name wasn't the first choice by the settler's to the area. After all, not many towns would chose to be named after a cut of pork (but the lake really does look like a ham hock from an aerial view). Incorporated in 1974, Ham Lake became a city after over a hundred years of humble but steady growth. The area was first settled in 1855 by a group of Scottish men on the southwest side of Ham Lake. The original name of the community was Glen Carey, which is the Scottish translation of "beautiful valley". Following a prairie fire in 1857, the first settlers moved but the community was resettled again. The new Scandinavian settlers had a hard time with the pronunciation of Glen Carey and soon the fledging community was known as Ham Lake...most probably because the lake in the area has a unique "ham-hock" shape. Anoka County officially was recognized Ham Lake as a township in 1871. In the early 1900's Central Avenue (Highway 65) was a slow commute as it was a wagon trail through the sand and swampland. And we think going through stop light after stop light slows traffic. Though it was graveled and paved at some point, it 1954 before was expanded to four lanes.

There are still four lanes on Highway 65 but traffic is traveling at a brisk 65 mph round the clock now as more people commute to the north. There are many people who look to the Ham Lake area for acreage, executive, luxury and lakeshore homes. However, lately the real estate market has been quite sluggish throughout Anoka County. Ham Lake, MN is seeing homes sell in 2009. There are bright spots across the board with homes selling in all price categories under $400,000, but the bulk of sales is found in the under $300,000 price categories.

New construction sales are not just stagnant; they have completely stopped with only one builder owned new construction home sold since the first of the year. The average Cumulative Days-on-Market (CDOM) is bouncing around in this Anoka County town...down a bit from first quarter in Ham Lake at 202 days, to 158 in the 2nd quarter and back up to 175 for the 3rd quarter.

Inventory is down in Ham Lake from the levels seen in 2008. There are currently 122 homes listed as active on the Twin Cities MLS but a good portion of those homes are in high price categories that are not seeing much activity. Homes over $500K continue to linger on the market for month after month. Homeowners considering selling a home in the Ham Lake area must consider the average time to sell a home in the Twin Cities north metro is approximately 6-8 months but high priced homes are selling in 2-3 years! Right now average inventory levels indicate there is about 15-16 months of inventory in Ham Lake. Having a good price strategy for your home and being prepared for showings will be essential if planning to sell a home in this Anoka County community in 2009.

3rd Quarter 2009 Ham Lake residential real estate statistics for single family homes:

Under $200,000~ 25 Active Listings, 6 Pending Listings, 10 Sold Listings, CDOM 202 (All existing homes)

$200,000-300,000~ 33 Active Listings, 2 Pending Listings, 10 Sold Listings, CDOM 120 (New Construction Subgroup ~ 2 Active, 0 Pending, 0 Sold)

$300,000-400,000~ 36 Active Listings, 5 Pending Listings, 3 Sold Listings, CDOM 295 (New Construction Subgroup ~ 8 Active, 1 Pending, 0 Sold)

$400,000-$500,000~ 9 Active Listings, 1 Pending Listings, 1 Sold Listings, CDOM 130 (New Construction Subgroup ~ 2 Active, 0 Pending, 0 Sold)

$500,000 and Up~ 19 Active Listings, 1 Pending Listings, 0 Sold Listings, (New Construction Subgroup ~ 2 Active, 0 Pending, 0 Sold)

Lakeshore available in the City of Ham Lake

6 Active Listings

Ham Lake lakeshore price range: $185,000-$950,000

7 Homes on Coon Lake
1 Home on Lake Netta
1 Home on Ham Lake
2 Homes on Little Coon Lake

**All Statistical information based on information from the REGIONAL MULTIPLE LISTING SERVICE of MINNESOTA, INC. for the period of 7/1/09 through 9/30/09.

Click HERE to Search for Minnesota Lakeshore or Acreage Home!

Articles on Ham Lake, Lakeshore and Minnesota that might be of interest:

Home Sales Statistics for other communities in the north metro:

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Real Estate Investor? Home Buyer? Analyze the Cash Flow on YOUR Home Purchase!

Fri, 02 Oct 2009 08:26:32 -0500

When buying a home or making any big investment for that matter, a shrewd buyer will want to understand the long term value of the purchase they are making and compare this to the cash outlay over time. Smart investors will run the numbers to see what the return on their investment will be on any real estate purchase. So it would make sense that homeowners do the same thing. But how does a homebuyer or first time investor “run the numbers”?

RE/MAX makes that easy. If you are considering buying a home, visit the my webpage on the RE/MAX.com site by CLICKING HERE to check it out. Start by clicking one of my featured listings, the local property search from the tool bar or one of two featured searches at the bottom of the page. Set up a search and click on any listing in the Twin Cities. Off on the left side of the page there is a tool bar for each specific listing. Notice the calculator icon with Cash Flow Analysis at the bottom of the tool bar. Click that button.

It opens a new window for RE/MAX North Central’s cash flow analyzer for investors and homeowners. On the main page, basic equity and cash flow numbers are given but the reports can be personalized to your unique situation too. The analyzer assumes a 20% down payment and 30 year fixed rate loan but if you are putting down 3.5% for your first home in an FHA program, you can adjust the numbers for a better idea of your equity position in 5, 10 or 20 years. For investors, the rental competition is analyzed for the market as well as your potential monthly cash flow. This analysis can also be tweaked to better reflect your unique buying situation.

The RE/MAX cash flow analyzer is simple to use and gives essential information to any home buyer at the click of a mouse! Best of all, buyers can analyze any property currently listed on the Twin Cities MLS not just the RE/MAX featured listings. If you are considering buying a home, probably the single biggest investment you will ever make, you owe it to yourself to check it out!

Check out the RE/MAX Cash Flow Analyzer!

Buying a Home? Check out my new HOME BUYER'S BLOG!

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2009 3rd Quarter Real Estate Market Statistics for Forest Lake MN

Thu, 01 Oct 2009 11:47:16 -0500

Forest Lake, Minnesota is well known throughout the Twin Cities area. It was a favorite summer vacation spot, an annual ice fishing tournament tradition or as a destination when going for a Sunday a drive in the country in days gone by. Today, the lakeside cabins have been replaced with year round residences, the fishing tourney is but a memory and the farms are few and far between in this third ring St. Paul suburb.

Real estate in Forest Lake, MN in north Washington County and east Anoka County has seen homes priced under $200,000 continue to sell in the 3rd quarter which is consistent with most of the Twin Cities area. A total of 24 single family homes priced under $200K were sold in Forest Lake and Forest Lake Township during this time period. This is a 50% increase in unit sales from the previous quarter. The Cumulative Days on Market (CDOM) Statistic was again slightly lower than the previous quarter with 126 CDOM compared to 129 CDOM in the 2nd quarter. This is quite a bit better than what was seen in the first half of 2008 when the CDOM ranged from 211-286. This surge in home sales in the lower price points is almost certainly a result of the $8000 first time homebuyer tax credit.

It appears the high end homes will continue to struggle into 2009 with only 2 homes sold over $400,000. Obviously, there weren't too many first time buyers looking at homes in THIS price range. And as most of the homes sold in the lower price points were foreclosures or vacant homes, there wasn't the "move-up" activity seen in a normal market. When the lower value home sold in the past, a family generally moved to a larger more valuable home. Not the case in this market...and the statistics in Forest Lake back this scenario up. Forest Lake continues to have about 5-6 YEARS of lakeshore and executive home inventory...much of it on the very desirable Forest Lake's picturesque First Lake.

With this abundance of inventory, some sellers have aggressively priced their home to sell. Facing another winter with an empty home is not an option many home sellers want to consider so it is now a great time for buyers to get deals. There are a few beautiful homes are currently on the market in Forest Lake at amazing prices; many are lakeshore and acreage properties. With this much inventory, motivated sellers will need to be flexible on pricing.

There are 45 active lakeshore homes for sale in the Forest Lake area and some are at attractive and affordable price points. Many have been on the market for several months; some over a year. With the amazing low interest rates and few high-end buyers, it could be a great time to negotiate a deal on your piece of Forest Lake Minnesota shoreline!

3rd Quarter 2009 Forest Lake real estate statistics for single family homes:

Under $200,000~ 34 Active Listings, 10 Pending Listings, 24 Sold Listings, 126 CDOM (Lakeshore Subgroup ~ 0 Active, 1 Pending, 2 Sold)

$200,000-$300,000 ~ 56 Active Listings, 8 Pending Listings, 9 Sold Listings, 207 CDOM (Lakeshore Subgroup ~ 7 Active, 1 Pending, 0 Sold)

$300,000-$400,000 ~ 32 Active Listings, 4 Pending Listings, 4 Sold Listings, 87 CDOM (Lakeshore Subgroup ~ 4 Active, 2 Pending, 0 Sold)

$400,000-$500,000 ~ 13 Active Listings, 0 Pending Listings, 3 Sold Listing, 306 CDOM (Lakeshore Subgroup ~ 8 Active, 0 Pending, 1 Sold)

$500,000 and Up~ 38 Active Listings, 0 Pending Listings, 1 Sold Listings, 306 CDOM (Lakeshore Subgroup ~ 26 Active, 0 Pending, 1 Sold)

Lakeshore available in the Forest Lake area:

45 Active Listings, 4 Pending Listings, 4 Sold Listings

Forest Lake lakeshore price range:

$259,000-$2,600,000

41 Homes on Forest Lake
1 Homes on Clear Lake
2 Home on Comfort Lake
1 Home on Shields Lake

1 Home on Shields Lake

**All Statistical information based on information from the REGIONAL MULTIPLE LISTING SERVICE of MINNESOTA, INC. for the period of 7 /1/09 through 9/30/09.

Click HERE to Search for Minnesota Lakeshore Home!

Articles on Forest Lake, Lakeshore and Minnesota Real Estate that might be of interest:

Home Sales Statistics for other communities in the north metro:
· Forest Lake, MN Real Estate Market Statistics First Quarter 2009
· Forest Lake MN Real Estate Market Statistics 2nd Quarter 2009
· Forest Lake, MN Real Estate Market Statistics 2008 Year End Report
· Blaine, MN Real Estate Market Statistics for Second Quarter 2009
· Lino Lakes MN Real Estate Market Statistics 2nd Quarter 2009
· Ham Lake Real Estate Market Statistics 2nd Quarter 2009

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Speechless Sunday--Skol Vikings!

Sun, 27 Sep 2009 12:10:20 -0500

For all the football fanatics out there...This guy is a year-round fixture in the front yard of a Roseville home. I took this photo a year or so ago....Wonder if he now has a number four painted in gold on his back? Maybe not yet but if plays keep coming in the final seconds of the game, it could be added to the back of the shirt rather easily!

Buying a Home? Check out my new HOME BUYER'S BLOG!

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TEN GREAT Reasons North St Paul, MN is a Perfect Place to Call Home!

Sun, 27 Sep 2009 07:53:12 -0500

People love living in North St Paul. And I am not talking about living on the north side of Minnesota's capital city; I am referring to the City of North St Paul, located just EAST of St. Paul Minnesota along Highway 36. It is a quaint little town with a rich history that was founded in 1870 by Henry Castle on the banks of Silver Lake. He named the town's main streets after his children, Henry, Helen, Margaret and Charles. When it incorporated in 1887, 221 people called the Village of North St. Paul home. From those humble beginnings, the town has grown considerably. As of 2008, nearly 12,000 people call the City of North St. Paul, Minnesota home.

Here is a top ten list of reasons why this community is such a great place to live.

#10-Water and Electric. Most cities provide the basic utilities of water and electricity to its residents. But few communities can boast water from five wells drilled deep into the earth for a pure, natural source of drinking water and their own power grid like North St. Paul can!

#9-Local Police and Fire. The City of North St. Paul is proud to have its own police department and volunteer fire department.

#8-Cowern Elementary, Richardson Elementary and North St Paul High School. Go Polars! North St. Paul has two K-5 grade schools and a high school within its borders. Cowern Elementary is located on the south side of 36 at Margaret St and South Ave. While both Richardson Elementary and North High School are located on the north side of 36. Richardson bisects 16th Avenue and North is located along 11th Avenue. All three schools are an integral part of the North St. Paul/Maplewood/Oakdale School District #622.

#7-Silver Lake Park, Beach and Fishing Pier. Many North St. Paul children have learned to swim on brisk summer mornings in the water of Silver Lake , a tradition that continues into today! And few resident can say they have never dropped by the annual Historical Society summer Ice Cream Social for a vanilla cone scooped by a neighbor. Although there are several other parks and playgrounds scattered throughout North St. Paul, Silver Lake is one of the most often visited.

#6-Unique taste treats! Homemade French fries at Village Pizza, Broasted Chicken from Pizza Factory and award winning homemade ice cream from the HomeTown Creamery ice cream shop are just a few of the delectable treats served daily in North St. Paul.

#5-Booya! The fall tradition of the North St. Paul fireman's booya is an experience that no resident of North St Paul can resist! After a night of cooking up a ‘secret recipe'stew in giant pots, the volunteer fire department serves up their brew for all. Whether purchased by the bowl or pot, it is a fall tradition enjoyed by community residents for nearly a century!

#4- Friday Night History Cruz. Love classic cars? Spend a Friday evening in North St. Paul for the History Cruz. Hundreds of car enthusiasts invade the main street of downtown North St. Paul, 7th Avenue, to show off their prized vehicles and see the shiny chrome fenders of yesteryear.

#3-The Snowman. The snowman has been greeting the residents of North St. Paul since it was constructed in the 1970's. It was originally downtown behind what is now K&J Catering, but later moved to a park at the corner of Hwy 36 and Margaret Street. For those keeping statistics, the snowman is 44 feet tall and ways about 20 tons!

#2-Eclectic Options for Living. Whether you want the convenience of a low-maintenance townhome, a historical turn of the century treasure, a 1950's rambler or bungalow, or a recently constructed, modified two story, you can find an affordable option to rent or purchase in North St Paul.

#1-Friendly People. The number one reason for living in North St Paul is the welcoming community atmosphere. Isn't that what most people search for in a place to call home?

FEATURED NORTH ST. PAUL LISTING:

2338 South Ave E, North St. Paul, MN 55109

Additional Articles that might be of interest:

Think You Could be At Home in North St. Paul, MN?

Buying a Home? Check out my new HOME BUYER'S BLOG!

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Wordless Wednesday--Excellent Marketing "Hook"!

Wed, 23 Sep 2009 18:44:27 -0500

Ever wonder what merging the first time homebuyer credit and the cash for clunkers programs marketing plan might look like?

This "sign" attracts a lot of attention in the Forest Lake/Columbus/Lino Lakes area just north of the 35 E/W split.

Unfortunately, just a day after I snapped this shot, the program ended with a bang! The "hook" gave way and the whole RV landed on the ground...and it had such potential as a fixer-upper too! LOL!

Buying a Home? Check out my new HOME BUYER'S BLOG!

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