Real Estate for St. Louis and St. Charles metro area  

Home     Commercial      Buying Homes      Selling Houses     Life and Senior Planning     Links and Resources   Communities 

     

  Your Professional Realtor of Choice        -        Dwight Puntigan        dpuntiga@charter.net                                 636-219-6242


MENU

Contact Me

Hire a Real Estate Agent 


Property Search

Mortgage Calculations

Buyers Guide

Credit Repair

MAR-CIE Property Search

Business News


Commercial


Economic Development

Saint Peters Mo Local  Info

City Government Links

Seller Questions


Marketing Your Home

Market Time

Projects For Resale

FSBO

Get Pre-Approved

Charts and Graphs

Down Payment Programs

Buying A Bigger Home


Financing

Home Inspections


Homeowners Insurance

Family Budget

Title Insurance

WHAT TO OFFER


LoopNet Property Search

Real Estate Investment

For Investors

1031 Exchange

Foreclosure

Probate Q & A

Reverse Mortgage

Trading Down

Planning For You

Relocation Links

Dwight Puntigan
Pyramid Realty Group
95 Arco Dr.
St. Charles, Mo 63303
Phone      636-219-6242
Alternate  636-493-1414
FAX          636-493-9914
   

                            View Details
Virtual Tour 

354 Putt N Bay Ln, Sunrise Beach, MO
Single Story
Residential
980 sq. ft.
Price Reduced, Fully Furnished
SOLD

 

Announcements


Your opportunity to guide the House of Representatives

You elect and pay taxes to support your representatives. When needed you should help them to choose the proper direction of their choices. Send a message at this link: read more...


Send a message to your Senator

Your Senator works for the tax payer. Use this link to give direction to your employee in the Senate of the United States. read more...


Does Fannie or Freddie own your mortgage

Unlike conventional short sales, a HAFA short sale completely releases you from your mortgage debt after selling the property. This means you will no longer be responsible for the amount that falls "short" of the amount you still owe. The deficiency is guaranteed to be waived by the servicer. HAFA has a less negative effect on your credit score than foreclosure or conventional short sales read more...


Around the clock Foreclosure Counselor

You can call 888-995-HOPE (4673), 24 hours a day, 7 days a week, 365 days a year, to immediately speak to an expert advisor in over 160 languages. Calls are answered within seconds. This valuable, around-the-clock service is available completely free of charge. read more...


Zillow has Pre Foreclosure Listings

The link is for the foreclosure center. Click on the filter button to chose what status you are searching for. read more...


3.8% Transfer Tax?

On March 30, 2010, the Health Care and Education Reconciliation Act of 2010 was signed into law. One of the provisions of this second component of the health care reform law that has received much attention is the creation of a 3.8 percent tax on investment income—defined as interest, read more...


Prescreened Offers of Credit and Insurance

Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer. Prescreened offers — sometimes called "preapproved" offers — are based on information in your credit report that indicates you meet criteria set by the offeror. Usually, prescreened solicitations come via mail, but you also may get them in a phone call or in an email read more...


St. Louis Times Resource Guide

Traditional housing was not designed to accommodate changes due to aging. As we age we can adapt our homes to make them more supportive. Or, we may choose an alternative housing option that better suits our immediate and/or projected needs that may arise later in life. Hundreds of available housing alternatives for older adults appear in greater detail at: read more...


Prescription Drug Side Effects

You are encouraged to report negative side effects of prescription drugs to the FDA read more...


Serving Seniors in the Counties of St. Louis, St. Charles

There are several agencies that provide assistance and information to those who are caring for a loved one or just trying to help a neighbor. One of those is the MEAAA. read more...


Section 8 Housing

When searching for rentals that are accepting section 8 vouchers this read more...


FAMILY EDUCATION

We offer education for people with dementia, their loved ones and caregivers Attend a program in your area read more...


Irrigation Systems

In Saint Peters all back-flow prevention devices must be tested annually by a Missouri state certified tester between April 1 and June 1 with a satisfactory report submitted to the provider of water service in this case Saint Peters. Most cities in the state have a requirement for homes, and commercial activities that may have contaminants backing up into the water supply. See the list of state certified service providers for testing back-flow devices read more...


Home Sewage Treatment Systems

An explanation with diagrams of the sewage drain system in the house, sewage lift systems when needed, septic, drain fields, and lagoon. read more...

3.8% Transfer Tax?

On March 30, 2010, the Health Care and Education Reconciliation Act of 2010 was signed into law. One of the provisions of this second component of the health care reform law that has received much attention is the creation of a 3.8 percent tax on investment income—defined as interest, read more...


Prescreened Offers of Credit and Insurance

Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer. Prescreened offers — sometimes called "preapproved" offers — are based on information in your credit report that indicates you meet criteria set by the offeror. Usually, prescreened solicitations come via mail, but you also may get them in a phone call or in an email read more...


St. Louis Times Resource Guide

Traditional housing was not designed to accommodate changes due to aging. As we age we can adapt our homes to make them more supportive. Or, we may choose an alternative housing option that better suits our immediate and/or projected needs that may arise later in life. Hundreds of available housing alternatives for older adults appear in greater detail at: read more...


Prescription Drug Side Effects

You are encouraged to report negative side effects of prescription drugs to the FDA read more...


Serving Seniors in the Counties of St. Louis, St. Charles

There are several agencies that provide assistance and information to those who are caring for a loved one or just trying to help a neighbor. One of those is the MEAAA. read more...


Section 8 Housing

When searching for rentals that are accepting section 8 vouchers this read more...


FAMILY EDUCATION

We offer education for people with dementia, their loved ones and caregivers Attend a program in your area read more...


Irrigation Systems

In Saint Peters all back-flow prevention devices must be tested annually by a Missouri state certified tester between April 1 and June 1 with a satisfactory report submitted to the provider of water service in this case Saint Peters. Most cities in the state have a requirement for homes, and commercial activities that may have contaminants backing up into the water supply. See the list of state certified service providers for testing back-flow devices read more...


Home Sewage Treatment Systems

An explanation with diagrams of the sewage drain system in the house, sewage lift systems when needed, septic, drain fields, and lagoon. read more...

 
Dwight Puntigan

Is now a good time to buy?  Interest rates are still extremely low.  Credit requirements need higher scores.  Some programs may need more money down.  Yes this can be a good time to find a new home or a second house as an investment.

Is this a good time to sell?  The pool of buyers has become smaller.  Credit restrictions, loss of employment, foreclosures, loss of first time home buyer tax credit, limits on jumbo loans all have created a decrease in the number of buyers.  The number of bargain seekers has not decreased.  If you need to sell your home talk to me about your situation and the best method for you to achieve your goal.  Marketing, pricing, and staging will provide a solid platform to launch a sale.

Beauty is in the eye of the beholder, particularly when it comes to buying a home. Features that attract one home-buyer may repel another.

However, the one feature of interest to every home-buyer is price. Getting the most home for your money is paramount. The real problem is figuring out whether that fixer-upper on one street is a better buy than the home in next-to-new condition two blocks away. That’s why knowing what to look for before you buy can save you time, energy and money down the line.

Local Communities   Use the community pages to find individualized portal searches for many of the cities in the St Charles, Arnold, Saint Louis metro area.  The links on each city page will provide daily news, school calendars, news at city hall, events, MLS portals for each school district, and the city as a whole, there also is a zip code map showing the city boundaries.  Call and ask me for sellers disclosures and other documents.
 
The first step is figuring out what kind of house you need. A good buy is only a good buy if it meets your current and future living requirements. Before shopping for a home, decide how much space you and your family require. How many bedrooms, bathrooms? Is a family room necessary? Do you need a layout that will accommodate a lot of entertaining? Do you prefer a spacious or compact work space in the kitchen? If you have small children, can the house easily be childproofed?

Evaluate the front and back yards. Is there enough space to accommodate your children? Do you want a park-like or garden setting? Do you enjoy yard work and gardening, or do you want a low-maintenance yard? Take into consideration the cost of extensive landscaping and upkeep.
Bigger Home
Next, determine how much work is required to make the house you are considering livable. Make an honest assessment of your fix-it abilities. How much work are you willing to do or pay someone else to do? Do you have basic decorating, carpentry and plumbing skills? If you plan to learn as you go, make sure you have accurately determined what you are getting into. Ask an experienced friend, family member or your real estate agent for their opinion, and be sure to consider how much remodeling inconvenience the rest of the family can handle.

Unless you are ready and able to tackle a major remodel, look for a house or condominium that needs only cosmetic improvements. These include painting, wallpapering and replacing items like flooring, window treatments, bathroom and kitchen fixtures, light fixtures, cabinet and interior door hardware and appliances. Remember that even these simple changes can be costly if you have to make many of them.
Financing
Beware of improvements that seem easy enough at first glance but may turn into major headaches and require a lot of money once you’ve moved in. Remodeled kitchens and bathrooms, changes to the floor plan, room additions and redesigned landscaping are examples of seemingly minor changes that can easily eat away the money you thought you saved by selecting a so-called “bargain priced” home. Of course, you may be perfectly willing to spend whatever money is needed to customize the house to match your tastes and needs.
Graphs and Charts
Make sure major systems in the house are in good working condition. The furnace, air-conditioning and plumbing should be up to date, since repairs can be costly. Your agent can arrange to have a professional inspector determine whether the electrical wiring and any room additions are to code. Local utilities often offer free or low-cost inspections to tell you if the house is energy-efficient.
Home Inspections
Look for a house with universally popular selling points. If you’re impressed, the next buyer down the line is bound to be, too. For example, a roomy, modern easy-to-clean kitchen is the best selling point a home can have. A house with only one bathroom is less desirable than a house with two or more. Many buyers expect at least three bedrooms, with a master bedroom that offers a feeling of privacy. Lots of storage space and closets, especially walk-in closets, will be a real selling point. Family rooms or “great rooms” also are desirable. On closer examination, a house that looks like a bargain may lack some of these key features.
MLS Search
Don’t forget the old adage: location, location, location. Unless you’re looking for a fixer-upper, the house should be in a condition that is comparable to other homes in the neighborhood. Avoid buying the biggest or fanciest home on the block. Consider the amount of traffic or noise. Homes located in a quiet area away from a busy street will command a higher price. Make sure the schools in your district have a reputation for quality education and safety. Nearby supermarkets, gas stations, restaurants and theaters also will make a location more desirable.
Down Payment Programs
Good community facilities also add appeal; pools, athletic fields, community centers, libraries and hospitals all add to a neighborhood’s value and desirability. Transportation needs also should be considered. Is local public transit available? How long are typical commutes to places of current and potential employment? Are there several alternate route? How close is a major airport? All of these can affect a home’s pricing.
Home Buyer's Guide
Consider the cost of living in a home. It’s important to consider not only purchase price but the monthly cost of living in a home. Estimate your utility and maintenance costs. For example, will the house need to be painted on a regular basis and will you need to spend money maintaining a swimming pool? Ask your agent about the property tax rate and whether increases are anticipated. Will you have to pay special assessments for a homeowner’s association? Consider the point in the life cycle of major household systems, such as the furnace, air conditioning, roof and kitchen appliances.

You can find a bargain! Your first step should be to seek out a knowledgeable real estate agent with experience in the market areas where you wish to purchase a home. Your agent can help you locate those properties that truly are “bargains” and help find the home that most closely matches your desires and needs.  To see how the market is doing in the community of interest and see available listings use this link
Communities  

 

Tips To Get Your House and Yard in Seasonal Shape

 

As we hopefully begin to wrap up another summer of strange weather, most of the country needs to prepare for what may be an unusual winter with more snowfall.

Below is a simple checklist to ensure that your indoor and outdoor areas are in top-notch shape for the changing of the seasons:

Indoor Maintenance
Clean or replace your furnace filter. A dirty filter can lower the efficiency of your home’s HVAC system. If the filter is reusable, remove it, wash down with a hose and then re-insert. Otherwise, you’ll want to replace it with a new one.

Test your air conditioning system. If you wait until the first hot day of the season day to check it and have a problem, you’ll probably be waiting quite a while to have it serviced! 

Check caulking around all doors and windows. Improper caulking allows for moisture to get inside your walls and cause mold. This is also the perfect time to wash/clean all windows and replace torn or damaged screens as necessary.  When doing screen maintenance it may be necessary to replace all the screen on a side of the house to match the screen color and texture.

Check/replace fire extinguishers. Make sure each unit meets current safety standards and check the gauges to ensure they are charged and ready for use.

Test smoke and fire alarms, replacing batteries and cleaning dust from the covers.

Clean ceiling fans. Whether you utilize overhead fans year-round or only during the warmer months, wipe down blades with an all-purpose cleaner. In addition to a providing a calming breeze, ceiling fans increase the overall airflow throughout your home.  If you use weights on the blades for balancing, be careful not to move them while dusting.

Dust and check wattage of light bulbs. While cleaning each bulb, check for correct wattage. A fire can result within a light fixture, wall or ceiling if the wattage used in a fixture is too high.  Remember that dimmers are only for incandescent bulbs.

In the summer the air conditioner dehumidifies the air, but in the winter we need to make sure that the humidifier is cleaned, water turned on, drain hooked up and ready to go.  In the spring clean and store humidifiers. Unless you reside in a very dry climate, you probably won’t need them until Fall or Winter.  Storage area will also be needed for any space heaters that are in winter use.

Deep cleaning carpets is a seasonal-cleaning must. Consider purchasing a steam cleaner for your home – not only will it come in handy during twice-yearly major cleaning sessions, but it will also prove to be a lifesaver if you have pets or children in the home.

Clean out your refrigerator and freezer. If you have a coil-back refrigerator, vacuum the coils at least twice each year for maximum efficiency. Wipe down interior and exterior surfaces, and place new boxes of baking soda in each to maintain overall freshness.  You may want to use white vinegar to clean the inside surfaces.

Spring is the optimal time to perform both indoor and outdoor pest control. Even if you aren’t currently experiencing a pest problem, it’s best to undergo preventative treatment rather than wait until warmer temperatures potentially create an issue.  It is less expensive to treat for termites than it is to repair damage.

Outdoor Maintenance
Check for possible damage to the roof.  Look for missing, cracked or broken shingles and make note of any needed repairs. For safety reasons, you may want to consider hiring a qualified professional to take care of any repair work that needs to be done. The Home Depot offers professional, efficient roof installation services at a competitive price. Clean gutters and downspouts and make sure they are directing water away from the house.

Cut back tree limbs and shrubs growing within five feet of the house or that are brushing up against the roof. You will create better ventilation, help dry out surfaces and prevent possible damage.

Check for and repair cracks in driveway/sidewalk. Spring is the best time to seal cracks in the driveway or any other concrete.  Bouncing a basketball on the concrete can by sound tell you where there is a hollow area under the concrete that has washed out or maybe full of water.

Pressure wash  your deck/patio and bring outdoor furniture out of storage.  Make sure to wipe down each piece thoroughly prior to placing on a freshly-washed surface.  Be careful of the damage that too much water pressure can cause.

Check garden hoses for dry rot and inspect hose faucets for possible freeze damage that may have occurred during the winter months.  Do not leave the hose connected if it is still probable to freeze.

Clean/condition your outdoor grill by first rinsing all outside surfaces with water.  If grease has loosened on the grill grates and inside of the grill, wipe off using grill cleaner and paper towels. Follow by washing with a mild detergent and water. Rinse well and wipe dry.

By taking the time to prepare your home seasonally, you’ll be able to focus more on enjoying activities, longer days and mild weather and less on household fixes and repairs.  When it is dark by the time we finish supper it is more difficult to keep up with maintenance tsks.

Summer is for the kids to be outside.  Toys in the driveway, bikers on the street, kids, balls and pets running out into the street.  When the season changes there are school bus stops.  Remember the difference between a residential street and a commercial thoroughfare.  Take pride in the neighborhood.

 

    Manta Logo  StumbleUpon Logo 
 

Hotfrog US online business directory   Dwight Puntigan on Zillow   Dwight Puntigan - Real Estate Agent

 

Logo by MerchantCircle Product Team Mountain View 94040
   

Increase your website traffic with Attracta.com
Real-Estate-Agents.com

Dwight Puntigan, Realtor, 1365 Cave Springs Estates Dr, Saint Peters, MO  63376