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Displaying blog entries 11-17 of 17

Montgomery AL Real Estate For Sale: 1860 Cobbs Ford Rd

Monday, March 9, 2015
by The Hat Team

Montgomery Homes For Sale:

1860 Cobbs Ford Rd, Millbrook, AL 36111
MLS #315708

Great Business Space!

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Current use Auto sales! Approximate 500 sq.ft. heated and cooled. 3 room office, 2,000 sq. ft heated showroom, 3,500 sq. ft. heated shop, half bath in shop area also half bath off showroom area. Two roll up doors to shop. Showroom has fold out glass doors.  Includes security System, fixtures/furniture, display window.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

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Fast and Easy But Is It Accurate?

Monday, March 9, 2015
by The Hat Team

There are sites all over the web that offer to tell you what your home is worth.  Simply plug in your address and email and you’ll get a value.  It’s fast; it’s easy but is it accurate?

325000The value is determined by what is called an Automated Valuation Model (AVM) that analyzes public record data with computer decision logic.  Square footage, age, number of bedrooms and location are easily definable objective data.  The challenge is identifying, measuring and comparing the subjective data.

An AVM cannot identify how unique features might add or detract from the value, if the market is declining or why the comparable sales apply or don’t apply to the subject property.  Is a home worth more because it is near shopping or less because it is across the street from a high-traffic commercially zoned property?

Experienced professionals are more likely to make proper adjustments for condition, market appeal and positive and negative influences.

Imagine that you’re going out for dinner and you consult HamburgerAVM.com to tell you how much a hamburger is worth.  It might be accurate based on condiments, vegetables and weight but can it address things like taste, quality, cleanliness, service, convenience or atmosphere.  You certainly couldn’t present the printout to the waiter to negotiate a lower price.

An AVM can be a tool that a homeowner, prospective buyer, mortgage officer, appraiser or real estate agent can use to get a quick idea of price but there are inherent limitations that can only be considered by personal examination balanced with experience in the market place.

Experience and understanding of the subject property and the marketplace are critical to having confidence that a value is accurate.  Any person could go through the same steps to arrive at a value but an experienced, well-trained professional is far more likely to assess all of the variables more accurately.

Information courtesy of Montgomery AL Realtor Sandra Nickel, Hat Team.

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Montgomery AL Foreclosure Trends for January 2015

Friday, March 6, 2015
by The Hat Team

In January, the number of properties that received a foreclosure filing in Montgomery, AL was 2% higher than the previous month and 55% lower than the same time last year, according to RealtyTrac.com.

Montgomery AL Foreclosure Status Distribution

The current distribution of foreclosures based on the number of active foreclosure homes in Montgomery, AL.

Auctions accounted for 39.6% of foreclosure activity in January 2015 and Bank-owned properties accounted for 60.4%.

montgomery al foreclosure

Montgomery AL Foreclosure Activity by Month

The number of Bank-Owned properties increased 88.2% compared to the previous month and decreased 22.0% from the previous year in January. The number of Auctions decreased 40.0% compared to the previous month and 72.4% from the previous year.

montgomery al foreclosure

Montgomery AL Foreclosure Geographical Comparison

Montgomery AL foreclosure activity was 0.03% lower than national statistics,0.03% higher than Alabama numbers and 0.01% higher than Montgomery County statistics in January 2015.

montgomery al foreclosure

Are you or someone you know behind on mortgage payments and facing a Montgomery foreclosure? You do have options. A short sale may be the answer to saving you, your family and your home. I am a Certified Distressed Property Expert (CDPE) with specialized training in helping families avoid foreclosure. Give me a call for a private consultation.

Search all Montgomery AL Real Estate And Homes For Sale.

Sandra Nickel and the Hat Team have distinguished themselves as leaders in the Montgomery AL real estate market. Sandra assists buyers looking for Montgomery real estate for sale and aggressively markets Montgomery AL homes for sale. Sandra is also an expert in helping families avoid foreclosure through short sales and is committed to helping families in financial hardship find options. For more information you can visit AvoidForeclosureMontgomery.com.

Interested in buying a bank-owned home. Get bank-owned listings alerts FREE!

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Montgomery AL Home For Sale: 254 E Fairview Ave

Thursday, March 5, 2015
by The Hat Team

Montgomery AL Home For Sale: 

254 E Fairview Ave, Montgomery AL 36105
MLS# 315734

Updated South Hull Charmer!

254 e fairview ave

Lots of living space for the money! This updated South Hull Charmer has old world charm and space galore. So much character (even the ever-present Cloverdale "slope") throughout with spacious living and dining rooms, large updated kitchen, and bonus area with two bedrooms and a half bath on the 2nd floor perfect for growing family. Lots of natural light at all times of the day. Beautiful fenced back yard sports a party deck with "Sunsetter" automatic awning for afternoon shade. Detached workshop provides additional storage. Convenient to both Cloverdale dining/entertainment districts and just a few minutes to Downtown's vibrant entertainment scene.

Marketed by Montgomery Realtor Sandra Nickel, Hat Team REALTORS!

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Montgomery AL Real Estate For Sale: 191 Canyon Rd

Wednesday, March 4, 2015
by The Hat Team

Montgomery Homes For Sale:

191 Canyon Rd Wetumpka, AL 36092
MLS #315697

Contemporary Style Home in the Foothills of Blue Ridge!


California contemporary in the foothills of Blue Ridge!  Current owner bought from original owner in 1978!! Home has not been offered for sale or on the market for 37 years! Rustic wood and stone exterior with plenty of floor to ceiling glass. Stone fireplace with gas insert! Long lasting metal roof. Decks surround the living area of house. Needs kitchen, bath, carpet and paint updates. If you are willing to do some updating you could have a showplace convenient to Montgomery or Wetumpka! Still verifying lot size, owner thinks between 1 to 1.5 acres.

Marketed by Montgomery Alabama Realtor Sandra Nickel, Sandra Nickel Hat Team.

 

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Save on Homeowner's Insurance

Tuesday, March 3, 2015
by The Hat Team

Insurance is a way to hedge the risk of a possible loss on an asset that a person or entity cannot afford.  The cost of the coverage is determined by risk and exposure to the insurer and reflected in the premium.

insuranceAnother way to say it is: don’t buy insurance when you can afford the loss.  If you have a mortgage on your home, you must have insurance.  It is probably prudent for most people to have property insurance but certain coverage might be avoided because you can afford the loss if you were to have an occurrence.

  1. Call your current agent and review your insurance coverage.  Ask if there are any available discounts whether your property qualifies for now or after certain improvements are made.  Monitored alarm systems, dead bolts, smoke detectors, updated electrical, certain types and ages of roofs among other things may be eligible for individual discounts.
     
  2. Compare the newly revised coverage and premium with other reputable agencies and insurers.  Shopping can be time consuming but experts agree that the exercise can be valuable and should be considered every few years.
     
  3. Deductibles are an easy way to affect the premium based on the initial amount of loss that the insured wants to assume.  The higher the deductible, the lower the premium.  Determine the amount of risk you want to assume and select an appropriate deductible.
     
  4. Consider bundling your home and auto policies for possible discounts and leverage for better service.
     
  5. Don’t become a co-insurer.  Most policies stipulate that a building must be insured for at least a certain percentage, usually 80% of its insured value to be able to collect the full amount of a partial loss.  Insured value is not always the same as market value.  The land is not considered in the value but replacement cost of the dwelling is.

It isn’t possible to purchase insurance after a loss; it must be purchased before a loss is incurred.  Premiums are based on careful analysis of insurer’s loss and overhead expense plus a profit.  As a homeowner and an insured, it would be equally wise to analyze coverage, claim service, your risk tolerance and the premium you’ll pay for that coverage.

Information courtesy of Sandra Nickel Hat Team REALTORS.

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Montgomery AL Real Estate For Sale: 2467 Wildwood Dr

Sunday, March 1, 2015
by The Hat Team

Montgomery Homes For Sale:

2467 Wildwood Dr Montgomery, AL 36111
MLS #315552

Stunning McGehee Estate’s Home! 

Wonderful family home on a beautiful lot in one of Montgomery's most desirable neighborhoods. This lovely McGehee Estate's home has room to spread out and lots of privacy - every room has its own bath plus a separate guest house. Entertaining is a breeze with the open floor plan, updated kitchen with high end appliances, wet bar and French doors that open on to the patio from the kitchen, dining room and master. Master has a sitting room/office/study, three walk-in closets and huge bathroom with separate his and her baths. Don't miss the huge laundry room with half bath and locked storage closet. This is a great home waiting for its next big family to enjoy!

Marketed by Montgomery Alabama Realtors, Sandra Nickel Hat Team.

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Displaying blog entries 11-17 of 17

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