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Thursday, December 20, 2012

California home prices rise 25 percent

Great Article from the San Francisco Chronicle:
http://www.sfgate.com/realestate/article/California-home-prices-rise-25-percent-4129561.php

Private Mortgage Insurance - Are you still paying it?


  • Most lenders require borrowers to pay private mortgage insurance (PMI) on mortgages in which borrowers make a down payment of less than 20 percent. PMI is designed to protect the lender in case the borrower defaults.
  • Once a borrower has made enough payments to boost the equity of the home to 20 percent of the original purchase price, the borrower can ask the lender to cancel the PMI.
  • By law, the lender must cancel PMI at this point as long as the borrower has a history of on-time payments, the borrower can establish the property value has not declined, and there is not a subordinate lien – such as a home equity loan – on the property.
  • If a borrower cannot get the PMI removed at the 20 percent mark, the lender must automatically cancel the PMI when the equity of the home reaches 22 percent (based on the original purchase price). For certain loans defined as “high risk” by the lender, borrowers must wait until equity reaches 23 percent of the original purchase price.
  • If a borrower is unable to get the PMI removed using the previously mentioned tactics, the lender must cancel it once the borrower is halfway through the loan term, provided the borrower is current on payments.
  • The PMI cancellation rules do not apply to loans made by the Federal Housing Administration or Veterans Administration, which have their own requirements for removing the PMI.

Thursday, December 6, 2012

Where to Find Christmas Light Displays

The holiday season is upon us! Many homes and neighborhoods are decorated to the hilt. There's nothing like putting the kids in their jammies, hopping in the car and taking them for that annual Christmas light tour. Here's a list of all the great places in Sac-Placer-El Dorado Counties.

Antelope Christmas Lights
4025 Diane Dr 95843 Lighted Gingerbread home bring toy or food for needy kids-Santa may show up
4825 Clydebank Way 95843 Lite show to music FM 88.7 6:00 to 10:30pm
6635 Sienna Hills Way 95843 Light show to music FM 90.7
8213 Rockbury Way 95843 Check out whose pulling Santa’s sleigh…creative
8776 Palmerson Dr 95843 Retro making sure Santa sees this home while flying by

Carmichael Christmas Lights
8630 Fair Oaks Blvd 95608 Quarter million lights Park in Safeway lot tune FM 107.5 bring non-perishable canned foods

Citrus Heights Christmas Lights
6544 Bitterbush Way 95621 Take a photo with Santa while enjoying a bit of Christmas
6617 Golden Rain Ct 95610 Lots of lights
8135 Orelle Creek Ct 95610 USA Christmas display. Check out this court and Allene Creek Ct.to get into the spirit

Elk Grove Christmas Lights
3316 Lake Terrace Dr 95758 Leaping light display to music
3446 Point Pleasant Rd 95757 over 1/2 acre Christmas displays from Dec 1-Dec 24 M-F 5:15-9:30pm Weekends until 10:30pm
3508 Benedix Way 95758 Synchronized Lights to FM 97.5 5:30-10 pm
5341 Coral Creek Way 95758 Redesigns with strobe lights FM 106.7 5:00-midnite daily
6721 Sao Tiago Way 95757 Animation, bubbles and fog machines M-Thur 5:50-10:30pm, Fri-Sun 5:30-11:00pm
8954 Sedgewick Ct 95624 Loads of LED lights
9626 Marlemont Cir 95758 Disney Christmas
9720 Great Egret Ct 95757 A bit of Disney at Christmas

Fair Oaks Christmas Lights
Fair Oaks Village celebrates annual Christmas in the Village with Santa, parade & more on Dec. 3rd 2:00pm
5640 Kenneth Ave 95628 40K lights for Santa & the Elves
5981 Tanforan Ct 95628 Ice skating rink for penguins and a lot more
7780 Kanihan Ct 95628 Fairy forest of snow and ice, need to walk up walkway to see it all
San Ramon & Fair Oaks Blvd.
Folsom Christmas Lights
1380 Copping Ct 95630 Decorations & over 6K lights to music 5:00-10pm through New Year’s Day

Orangevale Christmas Lights
7312 Saint John Way 95662 Fancy Fan-dangled animated light show Sun-Thurs 6-9:30pm Fri-Sat 6-10:30pm
Dovewood Ct. park your car and enjoy the walk through this Court. Accepting food & money for Food for Families again this year.
Rancho Cordova Christmas Lights
10500 Mills Acres Cir you can see this home lite up from the freeway, lots of lights & Santa on the roof
2958 Mills Park Dr 95670 Christmas music, scenes and lights + American Flag on the roof to guide Santa

Sacramento Christmas Lights
Fab 40′s is always a must to see & drive by between 40th and 48th. Enjoy driving through the Fab 40′s to take in the beautiful lights.
1841 48th St.
Old Sac is always decked out for Christmas so be sure to go
Be sure to drive by 53rd & S Street 95819
2604 Morley Way, Sac 95864 accepting donations for homeless youth. starts De.1 7-10pm M-Thurs, Fri & Sat till 11pm
2973 Mendel Way sac 95833 turn to FM 99.5, starts 5-10 pm
3601 Kranhold Way sac 95827 5:30 pm-11:00pm Dec 1-Jan 1
4349 Figwood Way Sac 95864
4429 Alderwood Way sac 95864
4821 F Pkwy Sac 95823 “nightmare Before Christmas theme
7712 Countryfield Dr sac 95828 Winter wonderland in the snow!
452 Little River Wy Sac 95831 Angry Bird Light show
3961 Fair Oaks Blvd. Sac 95864 Bring a toy to donate to Sutter Hosp.
3037 San Dollar Way, Sacramento, 95821 from 5:00-11:00 pm through 12/31
8117 Mills Gap Way, Scramento 95828

Cameron Park Christmas Lights
4260 Spring Meadow Rd. 95862
2806 Holly Hills Lane off Cambridge Rd. I’m told the street will be decked out for the 11th year. Can food drive starts Dec. 1 – Dec.17th. Cameron Park Fire Dept will stop by Dec.9th and Santa will make an appearance. Hot chocolate & cookies will be served.

Placerville Christmas Lights
446 Canal St. 95667

Granite Bay Christmas Lights
6103 Oakbridge Drive The Holden Family year after year provide a spectacular Christmas display not to be missed year after year

Lincoln Christmas Lights
874 Glasgow Ct 95648 Check out the Grinch and all the characters ice skating along with neighborhood homes on Court
Rocklin Christmas Lights
4906 Charter Rd 95765 Traditional Christmas with 30K lights Dec 4-31st 7-10pm hot drinks available, bring canned food for Food Bank
Pebble Creek Dr & Strand Rd.

Roseville Christmas Lights
107 Striker Ct 95747 Four houses decorated for years & 8,500 lights on just one tree
2204 Thurton Dr 95747 Lights and music synchronized to 97.5 FM
533 Twinwood Loop 95678 several homes on the street with light show 97.5 FM & candy-cane arches over sidewalks thrill the kids
607 Falcon Way 95661 28K lights, moving reindeer & whole lot more
Davis Christmas Lights
2725 Henri Ct 95618 Check out Candy Cane Ct.where 7 houses decorate. Sunday-Thurs 6:00-9:00pm Fri & Sat 6:00-10pm. They collect for the needy in Davis

Monday, December 3, 2012

November Home Sales - Folsom

202 Wales Dr #202 Folsom, CA 95630-2851  $   83,350.00
240 Natoma Station Dr #D27 Folsom, CA 95630-7971  $ 100,000.00
1100 Moon Cir #1123 Folsom, CA 95630-4142  $ 135,000.00
1300 Moon Cir #1337 Folsom, CA 95630-4149  $ 150,000.00
811 Sibley St Folsom, CA 95630-3249  $ 161,500.00
801 Rumsey Way Folsom, CA 95630-2817  $ 165,000.00
227 Marsalla Dr Folsom, CA 95630-7201  $ 199,500.00
1701 Esplanade Cir #1701 Folsom, CA 95630-7368  $ 200,000.00
402 Ferry Cir #402 Folsom, CA 95630-4003  $ 205,000.00
115 Winchester Ct Folsom, CA 95630-4837  $ 210,000.00
4603 Esplanade Cir #4603 Folsom, CA 95630-7382  $ 214,000.00
1130 School St Folsom, CA 95630-3112  $ 217,000.00
101 Joseph Way Folsom, CA 95630  $ 220,000.00
103 Econome Ct Folsom, CA 95630-4869  $ 224,900.00
508 Willow Creek Dr Folsom, CA 95630-4862  $ 230,000.00
676 Diamond Glen Cir Folsom, CA 95630-3168  $ 235,000.00
129 CERRITO Dr Folsom, CA 95630  $ 240,000.00
104 Abrozo Ct Folsom, CA 95630-4933  $ 240,000.00
216 Talisman Dr Folsom, CA 95630-2726  $ 250,000.00
110 Lembi Dr Folsom, CA 95630-3287  $ 260,000.00
102 Janewood Ct Folsom, CA 95630-2710  $ 260,000.00
616 Willow Creek Dr Folsom, CA 95630-4854  $ 263,000.00
206 Tacana Dr Folsom, CA 95630-2226  $ 265,000.00
452 Lone Spur Dr Folsom, CA 95630-6173  $ 270,000.00
1720 Parkway Dr Folsom, CA 95630-7393  $ 280,000.00
520 Heiler Ct Folsom, CA 95630-6220  $ 281,000.00
140 Larkin Cir Folsom, CA 95630-3232  $ 282,000.00
130 Elkins Cir Folsom, CA 95630-8027  $ 286,000.00
109 Crossing Way Folsom, CA 95630-5510  $ 290,000.00
1557 Borrasca Dr Folsom, CA 95630-5722  $ 296,000.00
102 Hesiler Ct Folsom, CA 95630-8048  $ 300,000.00
373 Seaton Dr Folsom, CA 95630-7947  $ 303,300.00
155 John Henry Cir Folsom, CA 95630-8134  $ 316,000.00
1108 Ballard Ct Folsom, CA 95630-8554  $ 320,000.00
98 Barnhill Dr Folsom, CA 95630-8735  $ 320,000.00
2247 Daltrey Way Folsom, CA 95630-8512  $ 320,000.00
1177 Cobble Fields Ct Folsom, CA 95630-7658  $ 320,000.00
115 S Fork Way Folsom, CA 95630-2082  $ 329,000.00
651 Hancock Dr Folsom, CA 95630-4912  $ 335,000.00
102 Thorndike Way Folsom, CA 95630-6821  $ 340,000.00
1320 Bugby Lane Dr Folsom, CA 95630  $ 342,834.00
368 Lone Spur Dr Folsom, CA 95630-6176  $ 345,000.00
246 Barnhill Dr #37 Folsom, CA 95630-8735  $ 346,334.00
1049 Perazzo Cir Folsom, CA 95630-7667  $ 350,000.00
1316 Bugby Lane Dr Folsom, CA 95630  $ 353,977.00
236 Barnhill Dr Folsom, CA 95630-8735  $ 363,935.00
116 Vierra Cir Folsom, CA 95630-5433  $ 365,000.00
2005 Horseshoe Glen Cir Folsom, CA 95630-6294  $ 369,000.00
1129 GALSTON Dr Folsom, CA 95630-6135  $ 369,000.00
110 Rocky Cove Ct Folsom, CA 95630-2333  $ 372,750.00
247 Silberhorn Dr Folsom, CA 95630-6744  $ 385,000.00
996 Hildebrand Cir Folsom, CA 95630-6309  $ 385,000.00
476 Lone Spur Dr Folsom, CA 95630-6173  $ 389,000.00
1312 Humbug Creek Dr Folsom, CA 95630-7662  $ 389,000.00
1188 Burwick Ln Folsom, CA 95630-6139  $ 390,200.00
113 REBECCA Way Folsom, CA 95630-4944  $ 395,000.00
132 Honey Cook Cir Folsom, CA 95630-5446  $ 401,000.00
1141 Kidder Way Folsom, CA 95630-7319  $ 405,000.00
1284 Freswick Dr Folsom, CA 95630-5301  $ 405,000.00
1280 Withers Ct Folsom, CA 95630-8449  $ 415,000.00
125 Grey Canyon Dr Folsom, CA 95630-2011  $ 419,000.00
121 Pradera Ct Folsom, CA 95630-4932  $ 421,000.00
171 American River Canyon Dr Folsom, CA 95630-1552  $ 453,250.00
106 Oak Rock Cir Folsom, CA 95630-2016  $ 460,000.00
1761 Langholm Way Folsom, CA 95630-5317  $ 465,000.00
1126 Kidder Way Folsom, CA 95630-7318  $ 470,000.00
244 Luna Cir Folsom, CA 95630-7744  $ 474,000.00
1325 Muirkirk Ct Folsom, CA 95630-6141  $ 475,000.00
1124 Widgeon Ct Folsom, CA 95630-8582  $ 475,000.00
1289 Lorden Ct Folsom, CA 95630-8400  $ 480,000.00
416 Wellsley Ct Folsom, CA 95630-7962  $ 480,000.00
100 Bunker Ct Folsom, CA 95630-4831  $ 480,000.00
123 Hillswood Dr Folsom, CA 95630-2118  $ 485,000.00
2076 Tarbolton Cir Folsom, CA 95630-6132  $ 492,100.00
157 Hopper Ln Folsom, CA 95630-6725  $ 500,000.00
1564 Freswick Dr Folsom, CA 95630-5308  $ 540,000.00
115 Cascade Falls Dr Folsom, CA 95630-1553  $ 549,000.00
2148 Hidden Falls Dr Folsom, CA 95630-6317  $ 555,000.00
124 Darrington Dr Folsom, CA 95630-2258  $ 665,000.00
118 Del Norte Vista Way Folsom, CA 95630  $ 688,000.00
633 Westchester Dr Folsom, CA 95630-6250  $ 769,000.00

November Home Sales - El Dorado Hills

3285 Tea Rose Dr El Dorado Hills, CA 95762-6568  $ 273,000.00
4335 Brisbane Cir El Dorado Hills, CA 95762-5376  $ 285,000.00
4508 Cartina Way El Dorado Hills, CA 95762-5450  $ 295,000.00
1403 Teally Pl El Dorado Hills, CA 95762-5317  $ 305,000.00
3776 Park Dr El Dorado Hills, CA 95762-4556  $ 320,000.00
2621 Hoffman Ct El Dorado Hills, CA 95762-4038  $ 323,000.00
3523 ROLPH Way El Dorado Hills, CA 95762-4416  $ 348,000.00
4330 Lombardia Way El Dorado Hills, CA 95762-5446  $ 350,000.00
1954 Shelby Cir El Dorado Hills, CA 95762  $ 355,000.00
3054 Brackenwood Pl El Dorado Hills, CA 95762-7841  $ 355,000.00
1659 Wyndham Way El Dorado Hills, CA 95762-5368  $ 355,000.00
4102 Bayberry Cir El Dorado Hills, CA 95762-7610  $ 359,000.00
4864 Dalewood Dr El Dorado Hills, CA 95762-7523  $ 360,000.00
3524 Brandt Ct El Dorado Hills, CA 95762  $ 360,000.00
1333 Cromwell Ct El Dorado Hills, CA 95762  $ 360,000.00
312 Stagestop Ct El Dorado Hills, CA 95762  $ 368,600.00
3054 Montrose Way El Dorado Hills, CA 95762-9677  $ 370,000.00
434 Maul Oak Ct El Dorado Hills, CA 95762-3930  $ 390,000.00
1016 Penniman Dr El Dorado Hills, CA 95762-5210  $ 411,500.00
2104 Bailey Cir El Dorado Hills, CA 95762-9661  $ 415,000.00
7037 Rosado Dr El Dorado Hills, CA 95762-7649  $ 430,000.00
2204 Rookery Pl El Dorado Hills, CA 95762-7802  $ 435,000.00
4333 Rimini Way El Dorado Hills, CA 95762-5470  $ 435,000.00
1547 Daunting Dr El Dorado Hills, CA 95762-7658  $ 442,800.00
1004 Autumn Trail Way El Dorado Hills, CA 95762-5038  $ 443,888.00
930 Apero Way El Dorado Hills, CA 95762-7732  $ 452,000.00
5064 Courtney Way El Dorado Hills, CA 95762-5478  $ 455,000.00
4114 Redondo Dr El Dorado Hills, CA 95762-7554  $ 458,000.00
7102 Hearst Dr El Dorado Hills, CA 95762-5486  $ 462,510.00
2610 Clarksville Rd Rescue, CA 95672-9417  $ 470,000.00
5050 Skellig Rock Way El Dorado Hills, CA 95762-7691  $ 499,000.00
1150 Villagio Dr El Dorado Hills, CA 95762-5527  $ 500,000.00
1129 Manning Dr El Dorado Hills, CA 95762  $ 500,000.00
7004 Hearst Dr El Dorado Hills, CA 95762-5485  $ 515,000.00
2014 Stonebriar Dr El Dorado Hills, CA 95762-9676  $ 535,000.00
1272 Terracina Dr El Dorado Hills, CA 95762-5403  $ 565,000.00
6513 Goya Way El Dorado Hills, CA 95762  $ 568,993.00
5055 Winterfield Dr El Dorado Hills, CA 95762-9308  $ 579,000.00
6048 Southerness Dr El Dorado Hills, CA 95762-7690  $ 590,000.00
2008 Haeling Pl El Dorado Hills, CA 95762  $ 599,000.00
2412 Loch Way El Dorado Hills, CA 95762  $ 625,000.00
801 Royal Troon Pl El Dorado Hills, CA 95762-7689  $ 676,000.00
1314 Cromwell Ct El Dorado Hills, CA 95762  $ 775,000.00
1440 Crocker Dr El Dorado Hills, CA 95762  $ 850,000.00

November Home Sales - CameronPark/Shingle Springs/Rescue

3085 Garden Cir #3 Cameron Park, CA 95682-8512  $   97,500.00
3160 NAVION Ct #1 Cameron Park, CA 95682-8152  $ 140,000.00
3040 Granada Ct #19 Cameron Park, CA 95682-8151  $ 165,000.00
2836 Pine Creek Ct Cameron Park, CA 95682-9248  $ 182,000.00
3080 Emerald Ct Cameron Park, CA 95682-8536  $ 183,500.00
3302 Oxford Rd Cameron Park, CA 95682-9138  $ 198,500.00
4201 Creekside Dr Shingle Springs, CA 95682-9759  $ 210,000.00
3163 Gateway Dr Cameron Park, CA 95682-9236  $ 215,000.00
2751 CAMBRIDGE Rd Cameron Park, CA 95682-9250  $ 222,500.00
9500 Falcon Haven Rd Shingle Springs, CA 95682-9766  $ 230,299.00
2701 Sandhurst Dr Cameron Park, CA 95682-9197  $ 247,000.00
2885 Alhambra Dr Cameron Park, CA 95682-8857  $ 260,000.00
3157 BENTLEY Dr Rescue, CA 95672-9409  $ 260,800.00
3170 Bentley Dr Rescue, CA 95672-9408  $ 265,000.00
3221 Doe Ct Cameron Park, CA 95682-9234  $ 268,000.00
2980 Calido Ct Cameron Park, CA 95682-8133  $ 272,000.00
3312 Oxford Rd Cameron Park, CA 95682-9138  $ 275,000.00
4457 S Shingle Rd Shingle Springs, CA 95682-7523  $ 285,000.00
3580 Sudbury Rd Cameron Park, CA 95682-8228  $ 305,000.00
1780 Needmore Dr Shingle Springs, CA 95682-9752  $ 315,000.00
4241 Valtara Rd Cameron Park, CA 95682-8990  $ 318,000.00
4511 Creekside Dr Shingle Springs, CA 95682-8332  $ 319,900.00
1524 Arrowbee Dr Placerville, CA 95667-9378  $ 338,000.00
4877 Byrd Foote Dr Shingle Springs, CA 95682-9349  $ 339,000.00
3533 Castlebrook Rd Cameron Park, CA 95682-8616  $ 339,900.00
4200 Ciello Ct Cameron Park, CA 95682-7726  $ 340,500.00
4540 Studebaker Rd Placerville, CA 95667-8605  $ 350,000.00
3016 Moliner Dr Cameron Park, CA 95682-7957  $ 360,000.00
2760 HILLCREST Dr Cameron Park, CA 95682-9281  $ 365,000.00
2626 Julie Ct Cameron Park, CA 95682-7803  $ 375,000.00
415 ASHLAND Ct Cameron Park, CA 95682-7661  $ 380,000.00
4601 Holiday Lake Dr Shingle Springs, CA 95682-8420  $ 396,000.00
2310 Dunnings Rd Shingle Springs, CA 95682  $ 404,000.00
3580 Culver Ln Cameron Park, CA 95682-7625  $ 422,000.00
2066 Riesling Way Shingle Springs, CA 95682-7730  $ 440,000.00
3954 Chariot Cir Rescue, CA 95672-9614  $ 455,000.00
3435 Cambridge Rd Cameron Park, CA 95682-9024  $ 460,000.00
6181 Bridgeport Dr Cameron Park, CA 95682-7667  $ 475,000.00
5578 Amber Fields Dr Shingle Springs, CA 95682-8076  $ 475,000.00
2401 Skinner Ln Rescue, CA 95672  $ 500,000.00
4120 Black Oak Dr Shingle Springs, CA 95682-9476  $ 545,000.00
5355 Amber Fields Dr Shingle Springs, CA 95682-8069  $ 576,750.00
4900 ROCKING HORSE Ln Shingle Springs, CA 95682-9576  $ 638,000.00
4431 Spring Meadow Rd Cameron Park, CA 95682-9629  $ 883,500.00

Saturday, December 1, 2012

Just Sold! 3113 Tamalpais Way Sacramento, CA



Congratulations Sarah!!!

Just Listed! 2781 Ranch Road Placerville, CA 95667





This is your Dream Home!  Built in 2004, this house is in move-in condition with granite counters & stainless steel appliances in the kitchen, wood and tile flooring throughout.  Owners have lovingly maintained this unique property inside & out w/ garage cabinets, rock retaining walls, finished storage basement w/ wine cellar area, fully landscaped with appox. 4,000 bulbs, 25KW generator, water softening & reverse osmosis sys & RV parking with sewage disposal site.
$459,000.00
4 Bedrooms 2.5 Baths
2366'
2.469 Acres
MLS Listing #12070361