I am fortunate to have wonderful neighbors. We watch over each other’s homes when someone goes on vacation. We share tips for how to beautify our lawns and gardens. We even get together for the occasional backyard barbeque.

But I haven’t always been so lucky. When I purchased my first home, my next-door neighbors owned 10 acres of land, but they set up their chicken coop (complete with two roosters who crowed 24/7) on the property line, right next to my bedroom window.

I asked several friends if they’d ever had a bad neighbor, and the answer was a definitive YES. So many people shared “bad neighbor” stories with me, in fact, that I’ve organized them into categories.

“I Live in the City but Pretend I Live in the Country”

  • They have a quarter-acre backyard in which two horses, five dogs, and countless cats reside. The smell of manure wafts through the neighborhood.
  • They let their outdoor cat roam the neighborhood. Said cat sneaks into the neighbors’ homes through open windows and urinates on the furniture.

The Exhibitionist

  • The 60-something with the beer gut who wears nothing but his tighty whities – even while watering his garden.
  • The busty woman who mows her lawn in a string bikini and entertains a different “gentleman caller” every night.

The Loud and the Restless

  • The partiers who set up lawn chairs facing the street in their garage. They sit around chugging beer, swearing at the top of their lungs, smoking “funny” cigarettes, heckling passersby, and blasting country music. Daily from 5p.m. to midnite.
  • Condo neighbors who blast stereos, slam doors, and generally stomp around.

Passive-Aggressive

  • The neighbor in your apartment complex who casually “keys” your brand new car because she’s angry that you won the lottery for the covered parking space.

The Eyesore

  • The folks across the street whose front yard looks like a thrift store drop-off location. Rusty junkers litter the weeded jungle of a yard.

Code-Violation Nazis

  • Neighbors who call the police when you forget to return your garbage can from the curb within two hours after the garbage truck swings through the neighborhood.
  • Self-appointed “enforcers” who have every city code memorized and the city’s offices on speed dial. If you park your car on the street one minute longer than the allotted time, you’re toast.

Property Line Violaters

  • The next-door neighbor who “trims” your trees to improve their view, or cuts down the 100-year-old firs on your side of the property line so they can “let more sun shine” on their property.

Compounding the problem:

The most unfortunate thing about living near a bad neighbor is that bad neighbors usually don’t realize they are bad neighbors. Or they don’t care.

When you politely ask your neighbor to “cease and desist” their unseemly behavior, they often 1) laugh in your face, 2) tell you to shove it where the sun don’t shine, or 3) shrug their shoulders helplessly.

Bottom line: Whether your neighbor has an incessantly-barking Doberman or they paint their front door a putrid color, neighbors from you-know-where can make life miserable.

When you’re house hunting, it’s often difficult to spot potentially bad neighbors, particularly if you’re looking to purchase a condo. But there are a few ways you can be on the lookout:

Hang out in the neighborhood. Drop by at different times during the day…

…when people are heading to work so you can check traffic volumes and observe how fast people zoom down the street.

…on weekends, when folks are more likely to be relaxing outdoors or working in their yards.

…midday, so you can take a stroll through the neighborhood and spot potential eyesore homes and yards. (Make sure you check in with the neighborhood association leadership ahead of time so they know you’re not casing the neighborhood.)

Meet the neighbors. If you’re serious about purchasing in a particular home, introduce yourself to the neighbors adjacent to your would-be home. Ask them non-threatening questions…

…How long have you lived in this neighborhood?

….How do you like living here?

…Have any big changes taken place in your neighborhood over the last few months/years?

…Are there many children in the neighborhood?

…Barking dogs?

…How would you describe an ideal neighbor?

Meet the home owners’ association board members. Within five minutes of meeting the people in charge of enforcing your neighborhood’s rules, you’ll get a good feel for the emotional climate of the neighborhood. If you listen carefully and ask thoughtful questions, you’ll learn about common challenges your neighborhood faces, how they problem solve, and who the troublemakers are.

Call a mediator. If neighborhood issues can’t be resolved through direct, face-to-face negotiations, consider contacting Dispute Resolution Services for Snohomish County, where you can meet with a neutral third party who will help you resolve the problem.

File a complaint. Snohomish County has an online Complaint Investigation request where you can submit a complaint about issues such zoning violations, building without a permit, junkyard conditions, travel trailer occupancy, grading without permits and land use issues.

Most cities have similar code enforcement divisions, responsible for enforcing municipal codes. Their officers research complaints to determine whether there is a violation, and if so, the extent of the violation. They then determine what action is required.

Here is a PDF link to the City of Everett’s informative brochure about code violations.

The following are violations in the City of Everett if visible from a street, alley, or public or other private property:

  •  Broken or discarded furniture, household equipment or furnishings
  • Shopping carts in the front yard, side yard, rear yard or vacant lot on your property, which is zoned residential by the City
  • Vegetation that is more than 42 inches high (not including vegetation located in flower beds), grass that is more than 12 inches high
  • Cars that are wrecked, taken apart, or inoperable (unless stored or parked lawfully and fenced in connection with the business of a licensed dismantler or licensed vehicle dealer)

What about you?

Have you ever had a troublesome neighbor? How did you resolve the issue?

Derelict House image: Witthaya Phonsawat / FreeDigitalPhotos.net

{ 0 comments }

One of my clients recently asked me about the difference between a Special Warranty Deed and a General Warranty Deed.

I contacted Jayne Boyle, a business development officer at Stewart Title and Escrow in downtown Everett. Jayne has worked in the industry for 20 years and is one of my top “title reps.”

Jayne explained the difference, in layman’s terms:

General Warranty Deed

A General Warranty Deed is typically given on a normal resale transaction. It warrants the property from day one – all the way back in time, as long as there are legal records for that property. This means that the seller guarantees that their title is “clear” and free of defects (called “clouds” on the title). Defects or clouds could include liens or issues with access or encroachment (for example, fence lines are not where they should be).

Special Warranty Deed

Also known as a Bargain and Sale Deed, a Special Warranty Deed limits the seller’s liability to the time period during which they owned the property.

When home buyers see a Special Warranty Deed, they sometimes assume that they’re not covered prior to the current seller. But that’s not true, because the parent seller provides, at their cost, a title insurance policy that goes back to the property’s origins.

Which one is better?

Jayne told me that home sellers have only recently started to become aware that there are two types of deeds. And they do have a choice as to the type of deed. Jayne predicts that because people are looking to limit their liability, the Special Warranty Deed will become much more common.

For the buyer, either type of deed will do the job equally well, because the buyer gets a full title insurance policy.

Choosing a title company

Real estate brokers and lenders have strong relationships with title companies, and we recommend companies we trust to our clients. Jayne explained that title policies from company to company are very similar – they use the same verbiage and offer the same coverage.

But if you want to evaluate title companies on your own, Jayne recommends considering two key factors: the financial health of the title company and their customer service.

Jayne says, “The title is usually ordered at the time of listing a property, because we want to make sure that if there are any things to be fixed, it won’t delay a closing.”

——————————–

If you’re stumped by real estate terms, I’d love to help answer your questions. My name is Joni Kerley and I specialize in Snohomish County, WA real estate.  Give me a call at 425-343-4545.

Image: renjith krishnan / FreeDigitalPhotos.net

{ 0 comments }

One of my clients is buying a home in an older neighborhood off Mukilteo Blvd. in Everett. Her title report records the CCR (also known as CC&R), which stands for Covenants, Conditions, and Restrictions. CCRs are intended for the home buyer, who reads through the covenants and decides whether to agree to them.

This particular neighborhood covenant was signed, dated, and notarized on February 18, 1944. The CCR states that the covenant is binding through January 1, 1960, and then automatically extended “for successive periods of ten (10) years” unless a majority of the owners vote to change said covenants in whole or in part.

The CCR contains the usual stipulations about residence size, as well as rules pertaining to the construction of “Out Buildings.”

There’s even an item about “Noxious Use of Property,” which designates that “no noxious, illegal, or offensive trade, or use of land shall be carried on… or anything which may be, or become, an annoyance or nuisance to the neighborhood.”

Item 9

But one item really caught the attention of the home buyer. It was Item 9: Racial Restrictions. It states:

“No race or nationality other than the White or Caucasian race shall use or occupy any building on any lot, except that this covenant shall not prevent occupancy by domestic servants of a different race of nationality employed by an owner or tenant.”

The home buyer – a single Caucasian mom of two bi-racial sons – was absolutely shocked.  Understandably, she did not want the Racial Restrictions on the title report, so I called the title company and they removed Item 9 from the report.

It’s intriguing and more than a bit disconcerting that these types of restrictions remain on title reports today.

Racially Restrictive Covenants

Prior to the 1960s, many covenants were used for segregationist purposes. However, African Americans openly defied these covenants, and in 1948, the U.S. Supreme court ruled racially restrictive covenants unenforceable, in Shelley v. Kraemer.

However, private contracts kept them alive until The Fair Housing Act of 1968 banned discriminating on the basis of race or color.

What’s in a CCR?

Typically, CCRs cover the following topics:

  • Exterior paint colors
  • Required siding
  • Pet restrictions, including rules about barking dogs, unchained pets, livestock and poultry, and breeding for profit
  • Road maintenance fees
  • Easement rights (such as a pathway for power lines)
  • Storing RVs or dead vehicles on the property
  • In-home businesses
  • Clutter
  • Tree-cutting
  • Outdoor television antenna (whether they’re allowed, and if so, placement of antenna)
  • Parking
  • Garage use (some CCRs specify that garages are to be used only for parking vehicles, not as storage units, home offices, or man caves)
  • Maintenance of joint property (such as a neighborhood swimming pool or playground)
  • Fencing (whether fences are allowed, and if so, which type and how high)
  • Set backs (how far homes must be from streets and interior lot lines)
  • Home rentals
  • Common areas (times at which exercise rooms, tennis courts, or pools can be used)
  • Trash (where trash receptacles must be stored; how soon cans must be taken in from the street after the garbage is collected)

And, of course, there are rules about how to change or void the covenants!

Chime In

Does your home’s CCR contain any unusual rules? Please share them.

{ 0 comments }

Our recent snow and windstorms brought with them a rash of power outages throughout Snohomish County. One of my friends was without power for five days. She “survived” with the aid of a wood stove, candles, and a camp stove (said camp stove was used outdoors).

During these chilly winter days, people get creative in all the wrong ways in an attempt to keep warm or decrease their power bill. They…

  • Use the oven as a space heater
  • Light candles and leave them unattended
  • Plug too many electronics into an extension cord
  • Overload the circuits with space heaters
  • Cook in the fireplace

These activities are the most common culprits of house fires. According the National Fire Protection Association (NFPA), there are an average of 373,900 house fires in the U.S. every year, resulting in $7.1 billion in annual damages.

The last thing any of us want is for our home to burn down – and even worse – for anyone to be trapped inside a home that’s burning down.

Valentine’s month is a perfect time to review fire safety tips and escape routes with your loved ones and housemates.

Here’s a checklist of things to review:

Smoke alarms, fire extinguishers, and carbon monoxide detectors

Almost two-thirds of home fire deaths result from fires in which no smoke alarms are present or in which smoke alarms fail to operate.

Test every smoke alarm in your home to make sure each is working properly, and change the batteries twice a year (Valentine’s Day is an ideal date to change those batteries).

Check the expiration date on fire extinguishers, and place extinguishers within easy reach on each level of your home – particularly in the kitchen, bedrooms, and garage. Keep in mind that there are different classes of fire extinguishers – some put out wood fires; others put out grease fires or electrical fires. Invest in the appropriate type or buy multi-purpose extinguishers that can be used on different types of fires.

Carbon monoxide is an odorless, tasteless, invisible gas resulting from the incomplete combustion of any flame-fueled (non-electric) device, such as a range, oven, clothes dryer, furnace, fireplace, grill, space heater, vehicle, or water heater.

Place carbon monoxide detectors on a wall about 5 feet above the floor, or on the ceiling. If you have a multi-story home, each floor needs its own detector. Of course, you’ll want to avoid placing the detector near the fireplace or flame-producing appliance.

Candles

From 2005-2009, an estimated 12,860 home structure fires were started by candles.

While candles provide romantic ambiance, they can be oh-so-dangerous when left unattended, or when children or pets are present.

The best solution is to invest in flameless LED candles. These battery-operated beauties are inexpensive, are made of scented wax, and they flicker and glow just like real candles.

Kitchen

Two of every five home fires start in the kitchen – more than any other place in the home.

The best way to prevent kitchen fires is to stay in the kitchen when you’re cooking on the stovetop. Store matches, dish towels, and flammable liquids as far as possible from the oven. Be sure to keep a Class B or multi-purpose fire extinguisher within reach to use on grease fires.

Laundry Room

Dryer lint, begone! I know it’s a pain, but it’s important to clean the lint screen after every load. Other ways to reduce the possibility of a dryer fire is to regularly clean the area under the lint filter as well as the dryer ducts and the dryer exhaust exits.

As an extra safety precaution, never leave your dryer unattended. In other words, when you leave the house, turn your dryer off.

Extension Cords

No matter how many electrical outlets a home has, it seems as if there are never enough of them. As a result, many of us string extension cords everywhere, and we plug in way more gaming consoles, TVs, cable boxes, stereos, computers, and cell phone chargers than is safe.

Different types of electronics suck different amounts of electricity. You need to know which electronics will load up your circuits, and you must make sure the extension cord you’re using exceeds the amperage requirements of the device you’re plugging in to it.

Do not attempt to plug a 3-prong plug into a 2-prong extension cord!

I also recommend investing in heavy-duty power strips with built-in surge protectors. When lightning strikes and power spikes, a surge protector will help protect expensive TV/stereo components as well as your computer and printer.

Space Heaters

I love space heaters, and these days, they come in all shapes and sizes (there’s even one called the Mini Cube, that looks just like a real fireplace)

But space heaters are fire hazards; The U.S Consumer Product Safety Commission estimates that more than 25,000 residential fires every year are associated with space heaters.

The leading cause of space heater fires is placing combustibles too close to the heater. Make sure there is three feet of open space around your heater, and ground the heater by plugging it directly into a 3-prong outlet – never plug a space heater in to an extension cord or power strip.

Finally, don’t leave space heaters on when you aren’t in the room.

Escape Plan

Make sure everyone in your household knows where the list of emergency fire, police, and medical phone numbers is posted.

And create an escape plan from every room in your home, both upstairs and downstairs.

At night, turn off all the lights and do a practice fire drill.

—————————————————–

I’m Joni Kerley. I care about the safety of your home and especially, for those who live in your home.

I specialize in helping people buy and sell homes in greater Snohomish County.  Give me a call at 425-343-4545.

Resources:

{ 0 comments }

2011 has been a great year here on the Everett Area Real Estate blog. We’ve journeyed through time, investigated housing components, organized our living quarters, and shared relevant tax tips. Yeah, we’ve been busy.

Here’s a look at the top 5 most popular posts of last year:

1. History of Snohomish County Homes: The Victorian

So, what’s the story behind the Victorian ages of homes? What’s the deal with all the elaborate woodwork, turrets, scallops, and massive covered porches? Prior to the Victorian era (we’re talking late 1875-1900), homeowners could only dream about luxuries such as central heating, indoor running water, and artificial lighting. The comforts of home enjoyed in the late 1800s, early 1900s were brought about by a few key elements.

2. Single and Shopping for a House: Tips for Women Going Solo

We’ve come a long way, baby. And no, I’m not talking about Virginia Slims (“You’ve got your own cigarette now, baby, you’ve come a long long way!” Such a misguided marketing strategy . . . .). Ah, but for the independent, single women out there, we truly have come a long way in the home ownership category.

3. Homeowner Taxes: To Deduct or Not, that is the Question

As a new homeowner, you may have a few questions about the elusive tax terminology being batted about among talk show hosts and news pundits. Okay, okay, they’re probably talking about Jennifer Aniston’s new hairdo for her upcoming movie. Again. Here at the Everett Area Real Estate blog, we’re going to get a jump start on The Tax Man; this will be especially helpful for you homeowner newbies. So, rather than waiting until next spring to sort through all the rules, regulations, and your recycle bin, have a plan: make a list, check it twice, and set up your system now. Trust me, when April 14th arrives, you’ll thank me.

4Going Green One Room at a Time: The Bathroom

Are you Eco Friendly? Are you using Bio-Based Products? Are you aware of the toxicity of your home’s Volatile Organic Compound output? I know. Sometimes, it’s not easy being green. If the thought of “going green” sends you into a tailspin of overload paralysis, consider the wisdom in using baby steps and taking one room at a time. Keeping in mind the old adage, “Rome wasn’t built in a day,” let’s take a step back and look at making environmentally friendly improvements to one of the most-used rooms in your home: the bathroom.

5. Sustainable Housing: It’s Not Your Mother’s Mobile Home

It seems everyone’s going green these days; let’s acknowledge our Seattle roots (pun intended) and take a look at today’s version of the prefab home and their emphasis on sustainable living. Prefabricated homes aren’t new – they’ve been around since the early 1900s, thanks to Mr. Richard W. Sears and his handy mail-order Modern Homes program.

Thanks for joining me in 2011– I look forward to learning more about the real estate world together in 2012. My name is Joni Kerley, specializing in the greater Snohomish County. Please give me a call (425-343-4545) regarding your home buying or selling questions.

{ 0 comments }

How to Add More Space to Your Place

by Joni Kerley on December 26, 2011 · 0 comments

in Businesses,Homeowner Tips

Ahh, the sights, smells, and sounds of Christmas. There’s nothing like the holidays to bring the family together. Which can be both good and bad—usually at the same time. If you hosted out-of-town guests, you know what I’m talking about.

Are you feeling the post-holiday squeeze?

Was your Christmas celebration a bit . . . cramped?

Left you longing for an extra room, or two?

Did the pitter patter of little feet (nieces, nephews, grandchildren, etc.) leave you with a slight tick in your left eye? Perhaps your holiday festivities were more like the angst-ridden Griswolds than nostalgic schmaltz of Meet Me In St. Louis?

Perhaps you need more room. Then again, perhaps you need a new room.

Better Homes & Gardens  published a book several years ago dedicated to the task of maximizing your square footage. It’s titled Complete Basements, Attics, & Bonus Rooms (Better Homes & Gardens, Des Moines, Iowa, 2002).

BH&G suggests the following steps to get you started:

  1. Explore your options (Convert your garage into an office or spare room? Add onto your existing structure? Remodel an old attic?)
  2. Asses your available space (How much square footage do you currently have? How much do you need? Do you need to add more space or just make better use of your current space?)
  3. Develop your design idea  (Do you need to consult with a professional architect, plumber, or designer? You can get plenty of ideas online , as well as from local contractors).
  4. Gather your materials (Consider green options; they may be a bit more expensive but can save you money in the long run).
  5. Fine tune your plan (If you are contracting out the work, be sure to get several bids from a variety of companies).
  6. Gather your tools (Again, be willing to spend a bit more here. Carefully chosen, high-quality tools can make all the difference).
  7. Finishing touches (You’re in the home stretch – stick with it! Here’s where you firm up detailed decisions such as paint, trim, room accessories, etc.; if possible, try to FINISH your project; call in a favor from a friend if needed. Your sense of accomplishment and usability of the finished project depends on completion ).

The idea is to makes all your space “livable space” and it’s not really a new idea. Over the years, clever folks have tweaked their homes to incorporate extra guest rooms, home offices, man-caves, and more recently, the mom-cave.

City dwellers from places such as Japan and Hong Kong are no strangers to space limitations; this ingenious architect from Hong Kong may be taking things a bit too far . . . but his ideas are definitely impressive.

Once again, Happy Holidays to you and yours this year. For questions regarding real estate in  Snohomish County, I’d love to help. My name is Joni Kerley; feel free to give me a call at 425-343-4545.

Photo Credit: dublindays; used courtesy of stock.xchng

{ 0 comments }

Housing: An Economic Forecast for 2012

December 19, 2011

Any meteorologist worth his (or her) salt knows that in order to provide an accurate forecast, he’s got to do three things: 1) Check today’s conditions. 2) Check the history of pressure changes. 3) Check the current cloud cover. Makes Sense. In order to get a sneak peek into the future of housing, let’s take [...]

Read the full article →

Puget Sound Homeowners: Use Skylights to Brighten Your Home

December 12, 2011

There’s nothing like stringing Christmas lights to get up you up close and personal with the condition of your roof. And the status of your life insurance policy (but that’s for another post). As Northwesterners, we know we’re not called “The Evergreen State” for nothing. We also know all that lush greenery is green for a [...]

Read the full article →

Quick Tips for Selling Your Home During the Holidays

December 5, 2011

November and December may not be the most convenient time to put your house on the market, but there are some definite benefits to doing so.  In fact, last December in King County, roughly 34 percent more houses sold in December than in November. It’s true that the number of house hunters may decrease during [...]

Read the full article →

Investing in a Vacation Home – Now’s a Good Time!

November 28, 2011

We’ve officially passed the 30-day count down. Autumn decorations are coming down, Christmas trees are going up. So the big question is: what are your plans for Christmas? If you are one of the 7.9 million Americans who own a vacation home, you might be heading to the beach or the mountains to celebrate and get [...]

Read the full article →