Your home may 2018

Your Home Finding Your Place in the Heart of Texas

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Reaching Bosque • Brown • Callahan• Coleman • Comanche • Eastland • Erath • Hamilton Hood • Mills • Runnels • San Saba, and Somervell Counties

May 2018

For more information on this featured listing, please see Brooks Real Estate on page 12 & 13.

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Your Home - Heart of Texas

Your Home

Heart of Texas

Advertising: Chris Wood: 254-965-3124 Erath, Somervell, Hood and Bosque counties Chelsea Fulce: 432-271-2019 Brown, Callahan, Comanche, Eastland, Mills and San Saba counties Toby Horton: 325-998-0598 Coleman and Runnels counties Editorial: Autumn Owens: 254-965-3124 Distribution: Patrick Touhey: 254-641-3105

Your Home - Heart of Texas

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REAL ESTATE & APPRAISALS $1,980,000

$1,419,184

0000 FARM ROAD 8 Stephenville,Texas 76401 MLS#: 13546576 360.510 Acres, 15,703,815.60 SqFt, The property has half a lake, 3 tanks, and 4 wells.

Around 100 acres of coastal.

About 75 acres of c...

PENDING

TBD N River North Boulevard Stephenville,Texas 76401 MLS#: 13483298 Approx. 6 ac.

On the corner of State Highway 8 and River North. on the Northwest Corner, great location for your b...

$320,000 11499 FM 205 Stephenville, Texas 76401 MLS#: 13516701 3 Beds, 2/0 Baths, 1,730 SqFt, Built in 1977, 10.000 Acres Motivated Seller. Reduced, Older nice Brick house on 10 Acres, 3-2-2 shop, well, Barns, and septic.

$280,000 000 Tarleton Stephenville,Texas 76401 MLS#: 13646961 2.008 Acres, 87,468.48 SqFT, Great location close to Tarleton, dining, Shopping, banking and Grocery store. Zoned for Multi-famil...

NEW LISTING

Dublin,Texas 76445 MLS#: 13816634 15.000 Acres, 653,400.00 SqFt, Good sandy soil. Great place to build.

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Your Home - Heart of Texas

3 kitchen and bath trends for 2018

W

hen it's time for a home remodel, specifically of a bathroom or kitchen, many homeowners turn to trendy looks as inspiration. Color, texture and material variance, like using different types of tile, lead the way in this year's kitchen and bath trends.

To help amplify the look and appeal of your space, consider these tips from the experts at the National Association of the Remodeling Industry: Try Different Shades White is classic, crisp and always in style, while gray also provides a traditional look. Many designers pair white or gray cabinets, tile and wall color with a pop of color to add interest without overwhelming the space. There are many ways to introduce color, such as a bright

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island or items that are easily switched out like window treatments and artwork.

Combining different shades of white, gray and other neutral colors like beige is an effective way to create a warm and inviting space. One important note to consider when mixing these hues is that they need to be in the same color family. When incorporating white and gray, go for colors that have the same base - either yellow or blue. Mixing a yellow-gray with a blue-white can result in discord that may not "feel" right. A qualified remodeler who has experience in design can provide expert advice and guide the decision-making process to help avoid costly mistakes.

Consider Various Tile Types Another popular treatment in kitchens and bathrooms is to use

different types of tile and surface stone. Incorporating tile of different shapes and texture such as quartz, marble or granite can energize even the smallest space.

Scale provides another way to create interest. To achieve a mosaic feel, look for 1-by-1-foot tiles prepped on larger 12-by-12foot sheets.

Sometimes these sheets include a pre-defined pattern that can help simplify installation.

Pick Alternate Patterns

Tile options are available in many varieties, so it can be difficult to know where to start.

Subway tile, a classic standby, can be invigorated by arranging the rectangular 3-by-6-inch shapes in patterns like herringbone or basket weave. This versatile tile can be used in both traditional kitchens and bathrooms as well as transitional or more contemporary spaces.

Many manufacturers now include textured tile, featuring patterns that carry the look of wood grain; tiles are also available in three-dimensional textures adding movement and interest with easy care. For example, using a variety of gray hues can create a relaxing and warm environment.

Find more trendy tips for home design at NARI.org.

Article courtesy Family Features.

Your Home - Heart of Texas

Saturday, May 5, 2018

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Effortless spring entertaining

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pring brings plenty of reasons to celebrate, from holidays to weddings to baby showers. Even a just-because al fresco brunch is a great way to share time with family and friends while taking advantage of a beautiful day.

Make hosting your next spring gathering a breeze with these entertaining tips for organizing an effortless event: Set the stage for a beautiful table.

Dress up the table with a dainty lace tablecloth for a sweet, traditional spring look. If your approach is more modern, try using a simple runner in a complementary color.

Then turn your attention to the style of the rest of the table. Special touches like flowers, place cards and linens with napkin ring holders can add a touch of elegance in an instant.

Blend function with style. Appearance aside, each table provides an essential function to your event.

Incorporate details like salt and

pepper shakers and condiment dishes within easy reach. When it comes to the tableware, you can add a touch of functional style with Chinet Cut Crystal plates, cups, cutlery and wineglasses. As a fully coordinated line of disposable tableware, the products match nearly any decor, allowing you to create the perfect tablespace. Remember to carefully consider each aspect of your menu to ensure the proper tableware is provided.

Work ahead to ease the weight.

One failsafe way to cut stress and ensure you get to actually enjoy the party: plan ahead. Do as much food prep as you can the day before and set up tables and other decorations ahead of

time. Finish your housework well before the event date so all that's left is quick touch-ups. Remember details like serving spoons and other tableware; setting these out the night before can trim precious minutes when guests are on their way, and using disposable options can help save time during cleanup.

Borrow inspiration from nature. The vivid greens and vibrant hues of fresh flowers during spring can help provide a fresh, inviting look. Depending on your seating arrangements, it may be appropriate to use a single large vase or a series of smaller vessels scattered around the room. Using basic, clear glass, or an option like Chinet Cut Crystal wine-

glasses as vases for smaller buds, lets the focus stay on the flowers, but you can also bring your theme to the table with vases in coordinated colors, textures and styles. If you'll serve from a buffet or offer a dessert table, try adding a bouquet to that table, as well.

Add a signature touch. Make it easy for guests to leave your event with a lasting impression. Individually wrapped desserts or other small edible favors are always a hit.

Or simply offer small bud vases and invite guests to take a piece of the party decor home.

Find more ideas for easy entertaining this spring at MyChinet. com.

Article courtesy Family Features.

Erath County

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Your Home - Heart of Texas

Avoid invasive plant species

I

ntuition may suggest all plants that provide habitats for wildlife and produce oxygen for the atmosphere are good no matter where they are planted. However, non-native plant species that are introduced into areas across North America can pose significant threats to an ecosystem.

Foreign plants can wreak havoc on native plant species and agri-

Erath County

cultural industries. Scores of plants are aggressively invading certain areas of the country.

Invasive species are introduced largely due to human action, such as planting non-native plants. Plants also may be introduced through boating and fishing. Wind and rain may introduce non-native plants to a particular region, while some plants are introduced through animals.

The organization PlayCleanGo.org says that not all nonnative plants are harmful and some can be beneficial. But non-native plants that take over and cause severe damage in areas outside of their normal range are considered to be invasive, and efforts must be made to keep invasives under control.

Gaining awareness of the pathways through which in-

vasives spread can help people avoid introducing invasive species. Some invasive plants are very attractive and they may be for sale at some garden centers, but such plants should be avoided for the benefit of local ecosystems. In addition, weeds and seeds can be hidden in potting mixes or lawn and garden products and essentially sneak their way into regions where they do not belong.

Homeowners who learn to recognize invasive species can decrease their risk of introducing such plants to their properties. The following are some common invasive species: • Garlic mustard • Mayweed • Norway maple • Yellow rocket • Australian pine • Oxeye daisy • Bermuda grass • Ground ivy • Chinese privet • Cotton thistle • Purple loosestrife • Japanese honeysuckle • English ivy • Kudzu • Autumn olive • Paper mulberry People can learn more about invasive species by speaking with lawn and garden professionals.

Courtesy MetroCreative.

Decorating small spaces Your Home - Heart of Texas

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arm weather often inspires renewed vigor in decorating or organizing a home. People who live in apartments, small homes or condos or those who have embraced the “tiny house” movement must rely on

Saturday, May 5, 2018

clever decorating to maximize their spaces. Here are some ideas when space is at a premium.

• Go vertical. Utilize vertical space, such as lights hung on a wall beside a bed instead of lamps on a nightstand or bookshelves

and other shelving to keep items off of the floor.

• Bench seating: Benches can provide more seating when entertaining guests and also can be moved to the living room or elsewhere as needed. Place a small bench in a foyer and put some

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wicker bins beneath for storage.

• Utilize natural light. Rooms that have ample light can seem more spacious. Pull up blinds (or skip them if privacy isn’t an issue) and use the sunshine to help spaces appear more airy.

Courtesy MetroCreative.

Erath County

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Your Home - Heart of Texas

Awnings can make outdoor spaces more comfortable

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any homeowners are eager to step outdoors upon the return of warm weather. Outdoor living spaces have grown in popularity as more and more homeowners embrace opportunities to entertain and lounge around in their yards.

Outdoor entertaining areas can be great, but such spaces may go unused when summer sun makes it uncomfortable to spend time outdoors. But a retractable awning can change all that. Homeowners often find awnings can be worthwhile investments that can be beneficial both inside and outside

Erath County

of the home.

Increase usable yard space Awnings can create privacy and establish boundaries for outdoor living areas. Place an awning over a deck, tables and chairs, or an entire patio area. Some people like to install awnings over a portion of their pools to provide shade for those who want to escape the sun’s rays. Motorized awnings can be retracted with the push of a button, which can help homeowners with physical limitations.

Protect against sun damage Awnings provide excellent protection against sun damage, as they can shield outdoor furniture

from direct sunlight, helping to reduce the chances for discoloration or fading.

Reduce air conditioning costs In addition to shading outdoor living areas, smaller awnings can be placed over southern- and western-facing windows, shielding interiors against the sun’s rays. In turn, this may reduce reliance on air conditioners.

Expand gardening possibilities Some plants require very specific light conditions to grow.

Awnings can protect shadeloving plants from harsh sunlight and filter the sun for plants that require indirect light. They can

be placed over a patio container garden or permanent garden structure.

Add value for buyers For those who may be selling their homes soon, awning may help them receive top dollar.

Today’s buyers want houses that have attractive and functional exteriors, and an awning can provide that competitive advantage over similar homes in the neighborhood.

When renovating outdoor areas, homeowners should not overlook awnings that can make outdoor living spaces more livable.

Article courtesy MetroCreative.

Your Home - Heart of Texas

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Your Home - Heart of Texas

Recognizing and addressing leaf spot

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omeowners who take pride in their properties may be alarmed to notice seemingly spotted leaves on their trees.

Such spots may be indicative of a condition known as leaf spot.

In spite of its appearance, leaf spot is often harmless. According to the Missouri Botanical Garden, leaf spot is a term used to describe a number of diseases that can affect the foliage of ornamentals and shade trees. Often caused by fungi that can spread thanks to wind and/or spring rains, leaf spot also may be a byproduct of bacteria. As unsightly as leaf spot can be, the Missouri Botanical Garden advises that established plants will only be adversely affected by leaf spot if defoliation occurs three or more years in a row.

While leaf spot is often harmless, homeowners should still learn to recognize it and document its presence to ensure it does not become a long-term problem.

How to recognize leaf spot Because leaf spot is an umbrella term that refers to various diseases, its symptoms can vary depending on which type of leaf spot is affecting a tree.

• Spots: The spots of leaf spot vary in size and color depend-

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ing on the plant, the organism that’s affecting it and the stage of development. Spots are typically brown, but can be tan or black as well.

• Margins: Another sign of leaf spot is the presence of concentric rings or dark margins on the leaves around the infected areas.

• Black dots: If fungus is the cause of the leaf spot, the fungal bodies may appear as black dots in the spots. These dots may be within the rings or in central clusters.

• Yellow leaves: Some leaves that are infected with leaf spot turn yellow and drop prematurely.

If leaf spots are not noticed immediately, they may gradually combine to form large blotches.

How to address leaf spot Leaf spot does not necessarily need to be addressed. As the Missouri Botanical Garden notes, many trees tolerate leaf spot and suffer little to no damage. In addition, the University of Minnesota Extension notes that the majority of leaf spot diseases affect only a small percentage of infected trees’ overall leaf area and are only minimal stressors on the trees.

But homeowners who want to

address leaf spot can take certain steps to do so.

• Remove infected leaves. As infected leaves fall, homeowners can remove them so the spores that caused the initial infection cannot be blown onto healthy leaves and spread the disease.

• Remove dead twigs. Removing dead twigs also can help get rid of spores that can contribute to infection.

• Change watering techniques.

When watering trees, homeowners who want to prevent leaf spot or stop it from spreading can

avoid overhead watering, instead using soaker hoses. Watering early in the day also can give foliage ample time to dry off before nightfall.

• Prune plants. Pruning plants promotes healthy air circulation and reduces crowding, which can help keep foliage dry, making trees less vulnerable to leaf spot.

As unsightly as it can appear, leaf spot is often harmless. But homeowners can take steps to prevent it and stop it from spreading to healthy leaves.

Article courtesy MetroCreative.

Your Home - Heart of Texas

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Your Home - Heart of Texas

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7151 FM 1702, Comanche

Hunting anyone? These 246 acres are the ultimate weekend getaway place complete with plenty of wildlife, seasonal creek, newly lined tank, living quarters, and 2 water wells. Ride your ATV, enjoy the views, and get away from it all. The rolling terrain includes large live oak clusters, post oak, shin oak and other hard woods. There are native grasses for your cattle, but pastures could be cultivated for improved grasses or food plots. Also included are RV hookups, excellent perimeter fencing, and a large metal barn with 2 roll up doors, water and electricity. The all-weather road gives easy access to all the improvements. Located approx. 2 hours south of Ft. Worth and 2 hours north of Austin. Come and see!

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NEWLY LISTED 58.67 acres just outside Hamilton city limits with city water. One lot, ž acre, is in Indian Oaks subdivision, located on Cheyenne Mesa. Property is currently used to run cattle but could make a great new housing development!

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Your Home - Heart of Texas

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Your Home - Heart of Texas

What you should know about fair housing

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ifty years ago, President Lyndon B. Johnson—your fellow Texan—signed into law the Civil Rights Act of 1968, which among other things, prohibits discrimination in housing.

The Fair Housing Act protects you and everyone else from discrimination based on race, color, national origin, religion, sex, familial status or disability. This list is known as the seven protected classes.

How the Fair Housing Act benefits you Sellers and landlords can’t discriminate in the sale or rental of property on the basis of someone’s race, color, sex, disability, familial status, or national origin. They also can’t tell their real estate agents or property managers to limit property availability

Brown County

based on the same seven classes, establish terms or conditions in purchasing or rental that are discriminatory, or advertise that a property is available only to people of a certain race, color, national origin, religion, sex, familial status or disability.

If you think you’ve been the victim of a Fair Housing Act violation, report it to the U.S. Department of Housing and Urban Development at 800-669-9777 or hud.gov/fairhousing.

There are local laws, too Local laws can expand upon the seven classes covered by federal law. For example, some cities prohibit discrimination based on factors such as veteran status, sexual orientation, gender identity, marital status, student status, and age.

Texas Realtors pledge to do more Texas Realtors abide by the

Code of Ethics, which outlines their duties to provide consumers with high-quality service and treat everyone fairly. The Code of Ethics mirrors the Fair Housing Act in that that Realtors can’t deny equal professional services to anyone because of their race, color, religion, sex, disability, familial status, or national origin. But, the Code of Ethics adds sexual orientation and gender identity to the list, which means Realtors pledge to go beyond what the law requires.

Texas Realtors are proud to fulfill the promise of the Fair Housing Act and help all Texans find property. If you would like to learn more about how a Texas Realtor can help you, visit texasrealestate. com.

Distributed by the Heartland Association of Realtors, President’s column.

Your Home - Heart of Texas

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How to conserve energy throughout summer

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nergy bills tend to be high in summertime, when many people crank up their air conditioners in an attempt to combat the heat. For some households, higher energy bills might be stretching their budgets, while others might be looking for ways to reduce their carbon footprints.

Conserving energy can help homeowners save money and help the planet at the same time.

And reducing energy consumption in the summer does not require men and women to sacrifice comfort in the name of conservation. In fact, various strategies can help homeowners and apartment dwellers reduce their summertime energy con-

sumption.

• Stop cooling an empty home.

A cool home might be the ultimate necessity during summer heat waves, but there’s no reason to cool a residence when no one is home. According to the U.S. Department of Energy, operating thermostats more efficiently can help homeowners trim their cooling costs by as much as 10 percent. One way to be more efficient with thermostats is to keep the house warmer than normal when no one is home. Programmable thermostats can be set so air conditioning units turn on shortly before residents arrive home, ensuring the house is comfortable and no energy is wasted.

• Narrow the gap between indoor and outdoor temperatures.

The DOE notes that the smaller the difference between the temperature indoors and outside the lower cooling costs will be. While it may be tempting to set thermostats to room temperature (68 F) on days when temperatures reach 90 F or above, that’s an enormous temperature gap that will result in a high energy bill. Instead, the DOE recommends setting thermostats to 78 F whenever possible.

• Open the windows at night.

Daytime temperatures, particularly during the dog days of summer, may necessitate the use of air conditioners. But men

and women who live in climates where temperatures drop considerably at night can sleep with their windows open. This reduces energy consumption and saves money, and can be a great way to introduce fresh air into a home during a time of year when air can become stagnant.

• Do not set air conditioner thermostats at lower than normal temperatures when turning them on. The DOE notes that setting thermostats at lower than normal temperatures when turning air conditioners on will not cool homes any faster than setting them at typical temperatures.

Such a strategy will only lead to excessive energy consumption and higher energy bills.

• Install ceiling fans. Ceiling fans can improve cooling efficiency in a home. According to the DOE, ceiling fans allow men and women who use air conditioners to raise the thermostats on their AC units about 4 F without adversely affecting comfort levels.

Men and women who live in temperate climates may find that ceiling fans are enough to keep rooms cool without the need for air conditioners.

Homeowners can combat high utility bills and excessive energy consumption during the summer with various eco- and budgetfriendly strategies.

Article courtesy MetroCreative.

Brown County

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Brown County

Your Home - Heart of Texas

Your Home - Heart of Texas

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Your Home - Heart of Texas

FEBRUARY 2018

You Can’t Live Here: The Enduring Impacts of Restrictive Covenants The 50th anniversary of the Fair Housing Act represents an opportunity to remind ourselves not only of the importance of the law in shaping the real estate landscape today, but also to look back on what the situation was like before it was enacted, when the process of buying or renting a home was decidedly unfair for millions of Americans.

During the first few decades of the twentieth century, a property’s value wasn’t defined just by architectural details, curb appeal, and neighborhood features, but also by the people who lived in the community. In determining property value, explained a standard appraisal text in 1931, “we must recognize the customs, habits and characteristics of various strata of society and races of peoples.” The presence of an African-American family in a neighborhood populated by whites, for example, or an Italian family in a neighborhood populated by Northern Europeans, was generally believed to have detrimental effects on property values and social order.

In the early 20th century, many cities in the South and the Mid-Atlantic used zoning ordinances to keep blacks, whites and other ethnicities in their own neighborhoods.

Baltimore enacted the first racial zoning ordinance in 1910, and within a few years the practice was widespread in the region. When the U.S. Supreme Court declared a Louisville, Kentucky racial zoning ordinance as unconstitutional in 1917, restrictive covenants became the preferred method of accomplishing the same end.

A typical restrictive covenant was a contract among property owners prohibiting sales of homes to blacks or other minorities for a specified period of time, usually twenty years. Because the covenants were private agreements, they were not covered under laws seeking to prevent discrimination. They quickly became a popular method of ruling who could live in a neighborhood and

who could not, and were in widespread use in major cities such as Chicago, Seattle, and St. Louis.

Restrictive covenants proved so effective in segregating neighborhoods and stabilizing the property values of white families that they soon became an integral part of the federal government’s discriminatory housing practices. “If a neighborhood is to retain stability, it is necessary that properties shall continue to be occupied by the same social and racial classes,” stated the Federal Housing Administration’s influential Underwriting Manual. From 1934 on, the FHA recommended the inclusion of restrictive covenants in the deeds of homes it insured, and instituted a policy known as redlining, refusing to insure homes in African-American neighborhoods.

Civil rights lawyers began challenging restrictive covenants and redlining policies in courts beginning in the 1930s, but met with limited success. But in the 1940s, the massive societal changes brought about by World War II began to change the tide, albeit slowly. In 1948, the Supreme Court’s landmark decision in the Shelley v.

Kraemer case held that racially restrictive covenants were unenforceable in court. The following year, the FHA reversed course, instructing its field offices not to reject applications for mortgage insurance solely because they might violate existing restrictive covenants. The change, however, only applied to new applications for mortgage insurance; not until 1968 was the policy fully overturned, when Congress explicitly prohibited racial discrimination in housing financing as part of the Fair Housing Act. The real estate industry and the National Association of Real Estate Boards (as the National Association of REALTORS® was called at the time) were complicit in these restrictions. In 1924, the Code of Ethics was revised to include Article 34, which stated: “A REALTOR® should never be instrumental in introducing into a

Continues on page 19

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Continued from page 18 neighborhood a character of property or occupancy, members of any race or nationality, or any individuals whose presence will clearly be detrimental to property values in that neighborhood.” The language regarding “race or nationality” was removed from the Code of Ethics in 1950 in response to the Shelley v. Kraemer decision.

In the 4th quarter of 2017, the Census Bureau reported that the home ownership rate among white, non-Hispanic Americans was 72.7 percent, while for African-Americans the rate was just 42.1 percent. That enormous disparity can in large part be attributed to restrictive covenants and other discriminatory practices of the past. “Equity that families have in their homes is the main source of wealth for middle-class Americans,” explains author Richard Rosenstein in his book The Color of Law (Liveright Publishing, 2017). “African American families today, whose parents and grandparents were denied participation in the equity-accumulating boom of the 1950s and 1960s, have great difficulty catching up today.”

Although passage of the Fair Housing Act in 1968 represented a huge step towards ensuring that all Americans have a chance to live where they choose, dismantling these racially discriminatory practices has been a continual, decades-long process. For REALTORS® and others in the real estate community, there’s still much to do.

For more information, resources and to get involved, visit www.FairHousing.realtor

Brown County

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I

| Saturday May 5, 2018

Your Home - Heart of Texas

Make moving much easier

t should come as no surprise that spring kicks off one of the busiest times of year in the housing market. Warm weather makes it more comfortable to see and display homes, leading to more listings and open houses.

According to the U.S. Census Bureau, the average person in the United States changes residences more than 11 times in his or her lifetime. With each move, the process of moving may become more familiar. But even the most practiced nomad can find moving to be an overwhelming experience.

Those on the cusp of moving and nervous about packing up and leaving can employ a few tricks to make moving much easier.

Research areas carefully Buyers are advised to do their research when seeking new towns or cities to call home. There are

Brown County

many factors to consider, including school district ratings, proximity to shopping, distance from work/commute times, availability of transportation, climate, and crime ratings.

Before falling in love with a particular home, potential buyers can visit the area in which the home is located during a typical weekday to get a feel for the atmosphere. Check out shopping centers, observe the residents and drive by the schools and businesses. This can help paint an accurate picture that may or may not differ from that depicted in the real estate listing.

Stack the deck Working with qualified professionals who have gone through the moving process before can make for easier work for buyers and sellers. Ask for recommendations regarding real estate companies, real estate attorneys, home

inspectors, insurance agents, and all of the other people who will assist with buying, selling and moving. Carefully vet these professionals, relying on third-party reviews as well as any information provided by the Better Business Bureau.

Secure temporary storage It can help to put some belongings into a storage center prior to moving, and then gradually take items from the storage unit to your new home. This will free up space to make repairs to your new home and give you time to figure out decorating schemes while ensuring clutter won’t get in the way of renovation projects.

New homeowners also can take their time sorting through boxes and getting rid of items they may not need in their new homes.

Get estimates and verify licensing The BBB advises consumers

to verify all licensing for movers. Solicit at least three in-home estimates and get those figures in writing. Confirm insurance coverage for the company chosen, and be sure to have all agreed upon information spelled out explicitly in a written contract. Red flags to consider include movers who don’t make on-site inspections for estimates and those who demand payment in advance before the move.

Have a first-week survival kit New homeowners can pick up takeout restaurant menus and premade grocery store meals.

In addition, stock up on staples such as paper plates, toilet tissue, light bulbs, and cleaning supplies in advance of the move so you won’t have to unpack everything at mealtime or when you want to clean after arriving at your new home.

Article courtesy MetroCreative.

Your Home - Heart of Texas

Saturday, May 5, 2018

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VOTED #1 MORTGAGE LENDER IN BROWN COUNTY

MARY BARNES Vice President / Mortgage Lending NMLS# 266574 Citizens National Bank NMLS# 405710

Go to https://www.cnb-brownwood.com/ images/Image/Application-MortgageLoan-Prequalification.pdf for downloadable application.

Documents to submit with Citizens National Bank Mortgage Application: (Both Borrower and Co-Borrower)

We are your independent, locally owned mortgage lender committed to giving you the best customer service in town. We build relationships on trust and integrity, providing clear, honest information about the most important purchase you will make.

Our Mortgage Loan Specialists are trained to tailor each loan program to offer you the best rate and loan term for your lifestyle and future.

For more information, please contact: 325-643-3545 between 9:00 AM and 4:00 PM BR-00082738

Brown County

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| Saturday May 5, 2018

Your Home - Heart of Texas

325-641-3105

START A NEWSPAPER SUBSCRIPTION

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Your Home - Heart of Texas

Saturday, May 5, 2018

Summer movie nights in your own backyard

L

ooking for a way to get the most out of your summer evenings? Make it a night at the drive-in at home! With the right equipment and planning, you can easily enjoy your favorite movies under the stars, right in your own backyard. Here are a few simple steps for bringing your new favorite tradition to life.

The Setup Designing your outdoor screening space is a simple process. To begin, determine where your screen

should be placed. You will want your screen positioned where there is minimal light once the house lights are off and the sun has set. There should be ample space for guest seating, and room for the projector’s image throw distance. For optimal image quality, your projector should be elevated.

For seating, an assortment of lawn chairs, floor chairs, outdoor ottomans and outdoor rugs will accommodate preferences for guests of all ages.

Since you will be limiting ambient light as much as possible,

keeping pathways lit for safety purposes is a sensible exception. Solar LED pathway lights are a tasteful accent that will keep guests safe around tripping hazards.

The Basics Select the right projector. Since outdoor settings include a number of light sources that are not always within your control, such as street lights and moonlight, choosing a projector with the right lumen level for your space is critical for clear image projection.

As a rule, the more ambient light

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in your backyard, the higher you will want your projector’s lumen level to be.

The second component to consider is sound. No home theater system is complete without quality sound, and your outdoor screening experience is no exception. Your guests will appreciate an audio source with enough output to cut through ambient noise.

For simplicity and convenience, consider an all-in-one outdoor movie theater kit, such as the one offered by Improvements, which is Wi-Fi enabled and features everything your backyard home theater needs, including a 1,200 lumen projector with 800x480 DPI, Bluetooth speaker and a 90-inch screen.

The Extra Details Since you’ll most likely be waiting for the sun to set before starting the movie, get creative with activities for both kids and adults to pass the time. It’s a smart step to spray the area for bugs before guests arrive, and keep additional pest control solutions on hand.

Hosting an outdoor movie party is a fun opportunity to put a twist on movie theater snacks, especially ideas that can be prepared in advance. However, fresh popcorn is an absolute must.

Creating a drive-in theater in your backyard is easier than you think. With the right equipment, and some planning, the most difficult step will be picking out the movie.

Article courtesy StatePoint.

Brown County

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| Saturday May 5, 2018

Your Home - Heart of Texas

EARLY OFFICE 111B Early Blvd • Early, TX 325-646-2444

1�800�429�8384

LAKE BROWNWOOD OFFICE • 7551 Hwy 279 • Brownwood, TX • 325-784-5270

See all our properties and virtual tours at www.tootiekellyrealestate.com

Carolyn Kelly, Realtor 325-642-3596

***REDUCED*** $75,000 5828 Taco Trail Brownwood Super nice Home on. 285 Lot on Taco Trail. 3 BR 2 bath.

1820 Sq ft. Has screen in back porch, aerobic septic system. Beautiful views of Lake Brownwood. Easy access to the water. Beautiful trees. A must see.

MLS CK13446090

***SOLD***

***REDUCED*** $90,000

3856 CR 234

Brownwood

A rare find just minute from town. A 2 BR 1 Bath home sets on 14 acres. Has 3 storage buildings and 5 RV hook ups. One of the RV’s stays with the property. Has a 30X50 shop with concrete floor and wiring. House an property needs a little TLC.Has a Hugh covered back porch.This could be made a beautiful place. At this price it won’t last long. MLS LV13791383

$495,000 5531 CR 594 Brownwood

LAKE LIVING AT ITS FINEST 4B 3.5B,3 CAR GARAGE, BRICK CUSTOM BUILT HOME 2011, 3498 SQ FT. 2 CH & A BEAUTIFUL ARCHWAYS WITH PILLARS TO OPEN FLOOR PLAN, 2 LIVING AREAS,TRAY CEILINGS,TO SUNROOMTO PERGOLATO SEEAWESOMEVIEW OF LAKE.HICKORY HAND SCRAPED FLOORING,BATHROOMS- CUSTOM TILE FLOORS. KITCHEN HAS IT ALL CUSTOM CABINETRY, MOSIAC TILE,GRANITE TOPS & SERVING BAR, STAINTEEL APPL, GAS COOKTOP, & ISLAND. OPEN LIVING AREA WITH GAS DECORATIVE FIREPLACE.TEN FOOT CEILING. LARGE MASTER SUITE WITH LARGE MASTER BATH HAS JETTED TUB, TILED WALK-IN SHOWER, CUSTOM CABINETS,GRANITE TOPS. BONUS ROOM ABOVE GARAGE. BOAT DOCK& LIFT WITH NEW ENCAPSULATION & TREX DECKING. SELLER HAS MADE GOLF CART ROAD FOR EASY ACCESS TO DOCK. MLS CK13674610

$225,000

CR 384

Rising Star

Seventy five acres in Rising star has two tanks and 30 acres is mesquite brush good for hunting. Has a lot of road frontage. Co Op water, has old wind mill that needs repair. There is also ten more acres with a shop that can be bought at a additional price.

MLS LV13791432

***INCOME PRODUCING***

$291,600

6932 Dublin

Brownwood

INCOME RENTAL PRODUCING PROPERTY INCLUDES 3 DUPLEXES WITH 2B 1B BRICK RENTAL WITH CH&A ,ALL ELECTRIC WATER PAID BY LANDLORD. EACH DUPLEX HAS 1620 SQ FT. 810 SQ FT PER 2B 1B UNIT. COOKSTOVE IS APPLIANCE PROVIDED. WASHER AND DRYER HOOKUPS ARE LOCATED IN THE KITCHEN OF EACH UNIT. SMALL STORAGE CLOSET ON BACK PORCH. PARTIALLY FENCED. CURRENT RENTAL INCOME IS LOW DUE TO SOME OF TENANTS BEING THERE A LONG TERM. UNITS COULD BE SOLD SEPERATELY FOR $97,200 WOULD INCLUDE 1620 SQ FT BRICK DUPLEX. 2 RENTALS.= 2B 1B. SELLER IS A LICENSED REAL ESTATE BROKER MLS CK13743925

COMMERCIAL Tootie Kelly 784-5270 Broker

Lloyd VanZandt, 325-200-1908

lloyd@tootiekellyrealestate.com

ONE OFTHE FEW NICE SUBDIVISIONWITHAWESOME LAKEVIEW LEFTWITH PROEPERTYAVAILABLE & 2.45TREE COVEREDACRES. 3B 2B BRICK HOME WITH NEW PLANK WOOD FLOORING, OPEN CONCEPT LIVING ,DINNING & KITCHEN AREA.PANTRY, LOTS OF CABINETS, BRICK INSERT FIREPLACE, LARGE GLASS SLIDING DOORS TO SEE LAKE VIEW GOES OFF TO COVERED PATIO. LARGE LAUNDRY ROOM OFF OF OVERSIZED GARAGE WITH STORAGE. SPRINKLER SYSTEM. PROPERTY INCLUDES:WOODEN WALKWAY DOWN TO TWO 1300+ SQ FT BUILDING COULD BE USED FOR QUEST ETC. EACH HAS CH-A,BATH, KITCHEN & SLEEPING AREAS. ONE HOUSE HAS GAME ROOM,BAR,& POOLTABLE.MOST FURNITURE &APPL.CANALSO BE PURCHASED .MLS CK13741371

***REDUCED***

$109,950 300 Pency Dr Brownwood

Completely remodeled 2 bedroom possibly 3 and 1 bath darling home. It also has very spacious rooms.

This home sets down the street from the Wild Duck Marina. Across the street are beautiful views of Lake Brownwood. The property has large storage building and work shop. Also two fenced lots with beautiful oak trees. It is a must see. MLS LV13753466

$175,000 7057 Secrect Meadow Lane May Brownwood

LOTS OF POTENTIAL WITH THIS SMALL MOBILE HOME RENTAL PARK. 5 UNITS OF PROJECTED RENTALS SITTING IN A SHADED PARK LIKE SETTING ON 3.16 ACRES. ALL RENTAL UNITS HAVE THEIR OWN ELECT. & WATER METERS. 2 AEROBIC SEPTIC SYSTEMS SERVICES ALL UNITS AND EVEN POSSIBLITY OF ANOTHER UNIT. PERHAPS THE CABIN THAT IS USED FOR SHOP COULD BE MADE A RENTAL. SELLER LIVES IN THE DOUBLWIDE MH. THAT COULD RENT FOR A $1000. 1B 1B MH ISNT RENTED CURRENTLY BEING UDATED FOR NEW TENANT. INCOME IS THE PROJECTED WITH ALL UNITS RENTED.$3350 PER MO.INCOME. SELLER PAYS SEPTIC MAINTENCE & MOWING EXPENSESJUST FOR SELLERS DOUBLEWIDE LOT.LARGE CONTAINER ON PROPERTY FOR STORAGE. RENTERS PAY THEIR OWN TRASH,ELECT.WATER, & MOWING EXPENSE. MLS CK13792279

$58,000 4090 Thunderbird Dr May

$53,000 Lot 15 Rolling Hills Brownwood

Commercial property in lake community of Lake Brownwood. Has been a store, laundromat, game room, storage or many other business. Also has an older mobile home that conveys. MLS CK11919779

Secluded Lakefront Tree Covered lot on lake Brownwood gated subdivision. Lot#15. 80 x 259 lot size. Water and Electric available. Lot#16 is also available for sale for $55,000. Next to this one.

MLS CK13767941

***REDUCED***

***REDUCED***

$99,950 4100 Thunderbird Drive Lake Brownwood Grocery Store and gas station fully equipped.

Located in May Texas at Lake Brownwood in lake community. This is a great deal and an opportunity to start your own business. Inventory is negotiable. Hardware store next door is also available to purchase at $58,000.00.Also includes 2 lots on Cutter Circle. MLS LV11917958

$49,000 4092 CR 192 Bangs

13.46 ACRES TOTALLY FENCED WITH FAIRLY NEW FENCING. GREAT PLACE TO BUILD ELECTRIC AVAILABLE BUT NO RURAL WATER AVAILABLE CLOSE TO PROPERTY. HOME NEXT DOOR HAS A WATER WELL. FEW SCATTERED MESQUITE TREES. COULD BE POSSIBLE DOVE HUNTING PLANT SUNFLOWERS. MLS CK13814926

***SHOP W/ACREAGE***

***SOLD***

$179,000 509 Early Blvd Early Prime Real Estate location in a high traffic area. Office building is open concept. Large covered parking area and a spacious lot in the back of the building. MLS TK13630999

HUNTERS DREAM

$189,900 7470 Tres Colinas Lane Brownwood

$3,200 Per Acre CR 115 Brownwood

$385,000 231 Avolyn Dr Lake Brownwood, TX

Awesome 4b 3b brick 2 story brick home on 4.03 Acres 3996 sq ft, 1800 sq ft shop & septic, wood stove. Lots of paella windows.

2 Living areas, wood burning fp, 2 dining areas, solarium, gorgeous wood staircase. Downstairs large master bedroom & bath & sauna. Large walk-in closet. Luxury vinyl hardwood look floors. Metal roof. 4 Ch & a units. Nice quiet neighbor country feel, 1 neighbor & is located at the end of the subdivision. This property is ideal place for a wedding venues or lakefront rentals weekly or by the day. Taxes are with exemptions. MLS CK12142689

$44,500

4500 Shawnee

May

$64,950 3510 Bounding Main Dr May

986.594 ac. with Pecan Bayou river frontage. Rolling hill country with large Live Oaks, Post oaks, Mesquite & large Pecan trees on river.

Property has a mountain in the interior of the property with scenic views from the top. Approx. 6192.30 ft. of river frontage on Pecan Bayou. Seller has built new fence around most of the property and has put new cross fences in the interior property & an abundance of deer, turkey, hogs, quail, dove & excellent fishing, with 5 tanks. THIS IS A HUNTERS DREAM!!!! MLS TK13033490

***PENDING***

***COMMERCIAL PROPERTY***

PRICE REDUCED

PRICE REDUCED

$395,000 1200 N Early Blvd Early

$1,800 per Acre 8237 Hwy 83 Paducah, TX

$265,000 111 B Early Blvd. Early, Tx

4345 Iroquois Dr

May

NICE LOT IN NICE SUBDIVIISION THUNDERBIRD BAY. HAS ACCESS TO BOAT RAMP AND SWIMMING POOLS PAVED ROAD. THE 2004 CAMPER AND LOT WITH DECK AND CARPORT. COMMISION IS $1500 TOTAL FOR LIST AGENT AND SELLING AGENT TO SPLIT. MLS CK13736314

BUILDING 2 - IS 1,600 SQ. FT. WITH 2 OVERHEAD DOORS WITH OFFICE AND BATH PROPERTY FRONTS INDUSTRIAL BLVD. OFFICE AND BATH ROUGHED IN. THIS BUILDING IS SET UP FOR BODY SHOP WITH PAINT BOOTH FOR $8,500. PAINT BOOTH NEEDS TTO BE ERECTED. BUILDNING HAS MUTIPLE USES. WIL SELL WITH OR WITHOUT PAINT BOOTH. BUILDING 3 - IS 1,200 SQ. FT.WITH 1 OVERHEAD DOOR, OFFICE WITH BATHROOM WITH SHOWER. BUILDING HAS BEEN USED AS A CABINET SHOP, BUT HAS MULTIPLE USES. BUILDING 2 & 3 ARE LESS THAN 1 YEAR OLD. SELLER WILL SELL ALL OR SEPARATE. WILL LEASE WITH OPTION TO BUY. OWNER WILL CONSIDER FINANCING.SELLER IS A LICENSED ROKER. MLS TK13821263

***COMMERCIAL***

$179,000 1501 4th Brownwood

This property is extremely spacious. It includes large front area, 3 offices, a supply room, a very spacious kitchen with dining area. The shower is in its own room right next door to the bathroom.

Also has a large 5 bay shop with a bathroom, automatic doors, and another bay that opens in the back of the building. There is also plenty of parking in the back. It is a must see and is move in ready. Excellent location.... MLS TK13631093

$55,000 5160 Tamarack Dr May

Very nice 2 BR 1 bath single wide mobile home with lake view. It has a large walk in closet in the master bed room. A large back porch with a hot tub and under ground storm cellar. Also has outside building that could be extra living quarters. Large shop with folding doors. lots of room for all your toys. Lots of beautiful oak trees for shade. Furniture is negotiable.

MLS CK13600031

***REDUCED***

LAKESIDE PROPERTY WITH COUNTRY FEEL 1.87 ACRES, 3B 2B MODULAR HOME 1792 SQ FT. STONE FIREPLACE.VAULTED CEILINGS IN THE LIVING AREA. GREAT VIEW OF THE LAKE BWD. 3 COVERED PARKING SPACES. CIRCLE DR. NICE DECKS FRONT AND BACK OF HOME. STORM CELLAR. 154 FT OF LAKE FRONTAGE.APPROX 300 FT OUT AT SPILLWAY THERES 7FT DEEP WATER ( PER SELLER). ALL KITCHEN APPLIANCES CONVEY. LOCATED OFF OF BAPTIST ENCAMPMENT RD. SURVEY & FLOOD ELEVATION CERT. ON FILE. HOME IS NOT IN A FLOOD ZONE. 2 X 500 GALLON SEPTIC TANKS. MLS CK13796669

$13,000

***REDUCED***

***REDUCED***

Very nice 2 BR 2Bath single wide Mobile home.

Has two nice storage building in back. Fenced in back yard with lots of beautiful oak trees.Sets on two lots. LV13742400

1360.65 ac ranch, lots to offer. Over 1mi river frontage. Excellent cow place or for hunting. Abundance of whitetail, mule deer, turkey, quail, wild hogs. Fishing in river, 3 ponds. 2 mi paved HWY 83 frontage. 3b1b 1638 sqft rock home, 3b1b 1240 sqft guest house. 2100 sqft metal implement bldg w-21x66 shed, 8x40 cargo strg, 24x28 metal shed, 5 water wells 50-80ft deep, solar powered. 2 springs in river run year round. 10 1k lb feeders. 10 nice deer blinds. 100 acres cultivation. Wooded rolling hills to river bottom land. Owner will consider financing. MLS TK37685

Lake Front Cabin! 1 bedroom, 1 bath lake front cabin.

This cute little cabin would be great for weekend fishing trip or those hot summer days. Open Concept living area, fishing pier, boat carport, L shaped covered porch, and plenty of shade. There is also a boat dock assessable if needed. Needs a little TLC! Motivated seller bring all offers!!! MLS LV13769327

***COMMERCIAL***

Great Commercial Property on busy Hwy. High traffic count up to 21,000 cars per day. 2,500 sq. Ft. Total with part of building being used as Real Estate office, and the other part being used as Meat Market. Building was remodeled and brought up to city codes in 2007.

Building has 2 central heat and air units, bathroom and storage building. Seller is a licensed Real Estate Broker.

MLS TK13067107

***REDUCED***

$28,000 7156 Bally Castle Dr Brownwood 3B 1B SINGLEWIDE MOBILE HOME SITTING ON 7 NICE TREE COVERED LOTS. PROPERTY GOES TO THE OTHER ROAD BEHIND THE MOBILE HOME. ALL FURNITURE AND APPLIANCES CONVEY. HOME NEEDS TLC SO CASH BUYER PREFERED. MLS CK13810334

***COMMERCIAL*** $99,500 7551 Hwy 279 S Brownwood

1,768 sq.ft. nice office building in good shape, has just been painted on outside of building. has reception room 3 rooms for offices, central h&a, on .47 acre, 1 1&2 bathrooms, storage building, lots of storage space, on corner lot, high traffic count. 1 mile form lake Brownwood, paved frontage on 2 sides, all desks and fixtures are negotiable. owner will finance or will lease with option to buy. MLS TK13441564

***SOLD***

$72,000

8066 CR 564

Brownwood

CUTE LAKE 1B 1B COTTAGE WITH NICE SHADE TREES ON THIS CORNER LOT. JUST A PEEK OF THE LAKE BUT THE LAKE IS JUST RIGHT ACROSS THE STREET! LARGE LIVING AREA, WITH SUN ROOM LOTS OF WINDOWS.HOME IS 1200 SQ FT PER SELLER. DOUBLE CAR CARPORT. LARGE LAUNDRY ROOM THAT POSSIBLY BE MADE ANOTHER BEDROOM. ALL APPLIANCES, WINDOW UNITS AND DEARBORN HEATERS CONVEY. MLS CK 13785181

$79,000

8018 CR 564

Brownwood

Close to the lake 3B 1.5B Brick home CH&A in a nice quiet neighborhood. Setting on 2 lots. Large living area & dining. Double car carport. Above ground pool conveys. (Needs new liner) laundry room. Appliances are neg. Depending on sale price. Fenced oversized back yard goes to the other road behind home that is CR 601. With a little TLC Good be very nice place. MLS CK13765204

BR-00089412

$189,000 8080 CR 572 BROWNWOOD

Brown County