Thursday, September 12, 2013
Hilton Head Island Real Estate: Lowcountry Inspired Kitchens ~ Hilton Head Island
Hilton Head Island Real Estate: Lowcountry Inspired Kitchens ~ Hilton Head Island: Thinking of a kitchen remodel and still want to keep that lowcountry feel? Houzz is a great site for ideas. You're sure to find the kit...
Wednesday, September 11, 2013
America
Battered and bruised, but still flying high and proud!
I saw this flag is flying and waving atop one of our local shrimp boats, docked on Hilton Head Island, SC.
America remembers 9/11. We shall never forget!
Find more articles on HiltonHeadHappenings.com/blog
Monday, September 2, 2013
Does a Pool Add Value to a Home?
Learn how a pool affects the value of your home, and get advice on construction and maintenance costs.
Does a pool add value to a home? No. And
yes.
In general, building a pool is not the best
way to add value to your home. You're better off making physical improvements
to your actual house instead of adding a pool to your yard.
However, a pool can add value to your home in some cases:
However, a pool can add value to your home in some cases:
•If you live in a higher-end
neighborhood and most of your neighbors have pools. In fact, not having a pool
might make your home harder to sell.
•If you live in a warm climate, such
as Florida or Hawaii.
•Your lot is big enough to accommodate
a pool and still have some yard left over for play or gardening.
Still, that's no guarantee you'll get a
return on your investment. At most, your home's value might increase 7% if all
circumstances are right when it comes time to sell. Those circumstances include
the points made above, plus:
•The style of the pool. Does it fit
the neighborhood?
•The condition of the pool. Is it
well-maintained?
•Age of the pool. If you put a pool in
today and sell in 20 years, you probably won't recoup your costs, especially if
the pool needs updating.
•You can attract the right buyer.
Couples with very young children may shy away from pools because of safety
issues, but an older childless couple may fall in love with it.
But only you, the homeowner, can determine
the true return on investment. A pool can add value to your quality of life and
enhance the enjoyment of your home. You can't put a price tag on that.
But we can put a price tag on how much a pool costs to build and maintain.
The Cost to Build a Pool
But we can put a price tag on how much a pool costs to build and maintain.
The Cost to Build a Pool
The average cost in the U.S. to install,
equip, and fill a 600-sq.-ft. concrete pool starts at $30,000.
Add in details like safety fences (most states require them), waterfalls, lighting, landscaping, and perhaps a spa (http://www.houselogic.com/home-advice/pools-spas/what_to_consider_before_building_spa/), and you're easily looking at totals approaching $100,000.
Costs also depend on the type of pool you choose.
Gunite is the most popular in-ground pool. Gunite is a mixture of cement and sand, which can be poured into almost any shape. It has replaced concrete pools as the sought-after standard.
Fiberglass shells and those with vinyl liners fall on the lower end of the budget scale, but the liners typically need replacing every 10 or so years. Changing the liner requires draining the pool and replacing the edging (called coping), so over time, costs add up. Most homebuyers will insist that you replace a vinyl liner, even if it's only a few years old.
Filtration and Heating
Add in details like safety fences (most states require them), waterfalls, lighting, landscaping, and perhaps a spa (http://www.houselogic.com/home-advice/pools-spas/what_to_consider_before_building_spa/), and you're easily looking at totals approaching $100,000.
Costs also depend on the type of pool you choose.
Gunite is the most popular in-ground pool. Gunite is a mixture of cement and sand, which can be poured into almost any shape. It has replaced concrete pools as the sought-after standard.
Fiberglass shells and those with vinyl liners fall on the lower end of the budget scale, but the liners typically need replacing every 10 or so years. Changing the liner requires draining the pool and replacing the edging (called coping), so over time, costs add up. Most homebuyers will insist that you replace a vinyl liner, even if it's only a few years old.
Filtration and Heating
The filtration pump is the biggest energy
hog in a pool system, so you want to get the most efficient pump possible. The
good news here is that new, variable-speed pumps use up to 80% less energy than
old single-speed pumps, cutting operating expenses dramatically. At about $500,
these cost more up front, but some local utilities offer rebates through
participating pool dealers. You can further cut energy costs by setting the
pump to run at non-peak times, when rates for electricity are lower.
If you're planning to heat your pool, gas heaters are the least expensive to purchase and install, but they typically have the highest operation and maintenance costs. Many pool owners opt instead for electric heat pumps, which extract heat from the surrounding air and transfer it to the water. Heat pumps take longer than gas to warm the pool, but they're more energy-efficient, costing $200 to $400 less to operate per swimming season. Regardless of heating system, covering the pool with a solar blanket to trap heat and reduce evaporation will further lower operating costs.
Maintenance Expenses
If you're planning to heat your pool, gas heaters are the least expensive to purchase and install, but they typically have the highest operation and maintenance costs. Many pool owners opt instead for electric heat pumps, which extract heat from the surrounding air and transfer it to the water. Heat pumps take longer than gas to warm the pool, but they're more energy-efficient, costing $200 to $400 less to operate per swimming season. Regardless of heating system, covering the pool with a solar blanket to trap heat and reduce evaporation will further lower operating costs.
Maintenance Expenses
All pools require that the water be balanced
for proper pH, alkalinity, and calcium levels. They also need sanitizing to
control bacteria and germs, which is where chlorine has traditionally entered
the picture.
These days you have a variety of options, including systems that use bromine, salt, ozone, ionizers, or other chemical compounds that can be less irritating to skin. Chlorine remains the most popular because the upfront costs are reasonable, and you don't have to be as rigid about checking the levels on a set schedule. But as far as your wallet is concerned, they all even out in the end.
In a seasonal swimming climate, budget about $600 annually for maintenance if you shoulder the chemical balancing and cleaning yourself; in a year-round climate, it's more like $15 to $25 per week.
To save yourself the task of once-a-week vacuuming, you can buy a robotic cleaning system for between $500 and $800 that will do the job for you. In locations where the pool must be opened and closed for the season, add another $500 each time for a pro to handle this task.
Insurance and Taxes
These days you have a variety of options, including systems that use bromine, salt, ozone, ionizers, or other chemical compounds that can be less irritating to skin. Chlorine remains the most popular because the upfront costs are reasonable, and you don't have to be as rigid about checking the levels on a set schedule. But as far as your wallet is concerned, they all even out in the end.
In a seasonal swimming climate, budget about $600 annually for maintenance if you shoulder the chemical balancing and cleaning yourself; in a year-round climate, it's more like $15 to $25 per week.
To save yourself the task of once-a-week vacuuming, you can buy a robotic cleaning system for between $500 and $800 that will do the job for you. In locations where the pool must be opened and closed for the season, add another $500 each time for a pro to handle this task.
Insurance and Taxes
A basic homeowners insurance policy
typically covers a pool structure without requiring a separate rider, but you
should increase your liability from the standard amount.
It costs about $30 a year to bump coverage from $100,000 to $500,000. Many underwriters require you to fence in the pool so children can't wander in unsupervised.
In some areas, adding a pool may increase your annual property taxes (http://www.houselogic.com/home-advice/property-taxes/property-tax-appeal/), but it won't necessarily add to your home's selling price. For that reason, try to keep your total building cost between 10% and 15% of what you paid for your house, lest you invest too much in an amenity that won't pay you back.
It costs about $30 a year to bump coverage from $100,000 to $500,000. Many underwriters require you to fence in the pool so children can't wander in unsupervised.
In some areas, adding a pool may increase your annual property taxes (http://www.houselogic.com/home-advice/property-taxes/property-tax-appeal/), but it won't necessarily add to your home's selling price. For that reason, try to keep your total building cost between 10% and 15% of what you paid for your house, lest you invest too much in an amenity that won't pay you back.
Article From HouseLogic.com
By: Julie Sturgeon
Sunday, September 1, 2013
How to Use a Programmable Thermostat to See Real Savings
A programmable thermostat can help you rake in the energy savings, but there's a hitch: You've got to pick one you'll actually use.
It's official: The programmable thermostat
is the VCR of our day. Why? We think they're too complicated.
According to a study by the Lawrence
Berkeley National Lab, nearly 90% of Americans say they've rarely (or never)
programmed their thermostat because they're not sure how to do it.
But it's really not that hard, and it's definitely worth doing because it can save you up to 15% a year on energy costs.
The first step is to pick the thermostat that best suits your scheduling needs so you can "set it and forget it," an approach the U.S. Energy Department advocates to get the most savings.
Picking the Right Thermostat
There are four types of programmable thermostats, each with a distinctive scheduling style:
But it's really not that hard, and it's definitely worth doing because it can save you up to 15% a year on energy costs.
The first step is to pick the thermostat that best suits your scheduling needs so you can "set it and forget it," an approach the U.S. Energy Department advocates to get the most savings.
Picking the Right Thermostat
There are four types of programmable thermostats, each with a distinctive scheduling style:
•7-day programming. Best for individuals or families with erratic schedules, since
this is the most flexible option. It lets you program a different
heating/cooling schedule for each day of the week. Average price range: $55-$125.
•5-1-1 programming. One heating/cooling schedule for the week, plus you can schedule a
different heating/cooling plan for Saturday and Sunday. Average price range:
$35-$78.
•5-2 programming. Same as 5-1-1 programming, except Saturday and Sunday will have
the same heating/cooling plan. Average price range: $28-$30.
•1-week programming. You can only set one heating/cooling plan that will be repeated
daily for the entire week. Average price range: $20-$23.
You'll need a program for both the cooler
months and the warmer months.
TIP: Before buying
a programmable thermostat, identify the type of equipment used to heat and cool
your home so you can check for compatibility. For example, do you have central
heating and cooling, or just a furnace or baseboard heating? Otherwise, you may
not reap the rewards of energy savings and may risk harming your heating and
cooling
(http://www.houselogic.com/maintenance-repair/preventative-home-maintenance/heating-cooling/)
equipment.
Programming the Thermostat
Most programmable thermostats have a
pre-programmed setting that's supposed to be for the typical American family.
But what family is typical these days? You need to adjust the thermostat's
settings so it's in sync with the life you and your family lead instead of some
mythical family.
Programming options are based on:
Programming options are based on:
•Wake Time
•Sleep Time
•Leave Time
•Return Time
The U.S Department of Energy suggests the
following settings in order to shave up to 15% off your energy bill:
Winter months:
Winter months:
•For the hours you're home and awake,
program the temp to 68 deg F.
•Lower by 10 deg; to 15 deg;
for the hours you're asleep or out of the house.
Summer months:
•For the hours you're home, program
air conditioning to 78 deg F.
•For the days you don't need cooling,
manually shut off the AC. Keep in mind, it will kick back on if the house gets
too warm.
•Program the AC to shut off during the
hours you're out of the house.
Here are a few programming timing tips that
can help you create the best set-it-and-forget-it heating and cooling schedule
for your home:
•Shut down heat or air conditioning 20
to 30 minutes before you leave home each day.
•Turn on heat or air conditioning 20
to 30 minutes before you come home each day.
•Reduce the heating or cooling 60
minutes before you go to sleep each night.
•Increase heating or cooling about 30
minutes before you wake up each morning.
Spend time tweaking your program for a few
days to make sure it feels right.
TIP: With a
Wi-Fi-enabled thermostat, you can control your home's temperature while on the
go. That way, you're not wasting energy if you're running late or forgot to
create a new program before going on vacation.
FYI: A
furnace does NOT have to work harder to warm a house after the temperature has
been set low during the day.
Thermostats That Make Programming Easier
Want something that's simpler? Newer more
high-tech models have simplified the process:
•The Nest Learning Thermostat: It creates a custom heating and cooling schedule for your home
based on motion detection technology. Plus since it is Wi-Fi, it can be
controlled remotely. Price: $250.
•Honeywell Wi-Fi Smart Thermostat: This device makes it easy to create a custom heating and cooling
plan. Unlike conventional programmable thermostats, it has a large color
interface that displays a simple menu that walks you through all the
programming steps. It also "learns" your home and will send you
personal notifications if the temperature is not right, or if there's a power
outage. Price: $199.
FYI:
Thermostats made prior to 2001 may contain mercury. To see if your programmable
thermostat contains mercury, check with the manufacturer. If you decide to
dispose of a thermostat that contains mercury, check out how to do so safely in
your area at Thermostat Recycling Corporation
(http://www.thermostat-recycle.org/). (Not sure why mercury is so bad? Here's
the skinny: It's toxic and it never breaks down. When it enters the waste
stream, it permanently damages the ecosystem.)
Have questions or need help programming
your thermostat? Below are tech support numbers for popular manufacturers:
•Honeywell: Wi-Fi Models:
1-855-733-5465
•Honeywell: All other thermostats:
1-800-468-1502
•Hunter: 1-888-830-1326
•White Rodgers: 1-800-284-2925
•Trane: 1-877-288-7707
Article From HouseLogic.com
By: Deirdre Sullivan
Saturday, August 31, 2013
What Does Homeowners Insurance Cover?
You'd be surprised at what your home insurance policy doesn't cover. Here's what is and isn't covered by your insurance.
What does your homeowners insurance
(http://www.houselogic.com/protect-your-home/home-insurance/) cover? The short
answer is: "A basic homeowners insurance policy (called HO-1 in insurance
lingo) covers your home and possessions if they're damaged or destroyed by
these things:
•Fire
•Lightning
•Windstorm (unless you live in a hurricane zone)
•Hail (not available everywhere)
•Explosion
•Riots
•Civil commotion
•Aircraft (and things falling from aircraft)
•Vehicles (and things thrown from vehicles)
•Smoke
•Vandalism (although some policies exclude this)
•Malicious mischief
•Theft
•Volcanic eruption
•Lightning
•Windstorm (unless you live in a hurricane zone)
•Hail (not available everywhere)
•Explosion
•Riots
•Civil commotion
•Aircraft (and things falling from aircraft)
•Vehicles (and things thrown from vehicles)
•Smoke
•Vandalism (although some policies exclude this)
•Malicious mischief
•Theft
•Volcanic eruption
But many states don't allow this basic
policy to be sold. Instead, you have to buy an upgraded policy that covers more
perils.
Upgraded Homeowners Insurance
That upgraded policy (called HO-2) adds
protection to your home and possessions from even more perils. You get
protection from everything on the HO-1 list (above) plus:
•Falling objects
•The weight of ice, snow, or sleet
•Flooding from your appliances,
plumbing, HVAC, or fire-protection sprinkler system
•Damage to electrical parts caused by
artificially generated electrical currents (such as a power surge not caused by
lightning). But damaged electronics such as computers aren't covered.
•Glass breakage
•Abrupt collapse (say from termite
damage)
That same list applies to the homeowners
insurance you buy for a condominium or co-op (except then it's called HO-6
instead of HO-2).
With HO-1, HO-2, and HO-6, what you see is
what you get. So if zombies attacked your home, your HO-1 or HO-2 wouldn't
cover the damage because zombies aren't on the list of specific things those
policies cover.
The Most Complete Homeowners Insurance
The most complete and protective form of
homeowners insurance (called HO-3) covers you for all perils except some
specific ones like:
•Floods
•Earthquakes
•Wars
•Nuclear accidents
•Landslides
•Mudslides
•Sinkholes
•Earthquakes
•Wars
•Nuclear accidents
•Landslides
•Mudslides
•Sinkholes
With this policy, if zombies attacked,
you'd be covered because zombies weren't specifically excluded by your HO-3
policy.
What Homeowners Insurance Doesn't Cover
No matter which basic policy you get, it's not going to cover everything than can damage or destroy your home. Typical homeowners policies don't cover:
No matter which basic policy you get, it's not going to cover everything than can damage or destroy your home. Typical homeowners policies don't cover:
•Bad things that happen because you
failed to maintain your home (like mold
(http://www.houselogic.com/home-advice/home-insurance/homeowners-insurance-mold-covered/)
)
•Hurricanes
•Floods
•Earthquakes
•Mudslides
•Landslides
•Sinkholes
•War
•Nuclear accidents
•Sewer backups
•Ground movement and holes caused by
mining (known as mine subsidence insurance)
•Pollution
You can buy additional policies to cover
some but not all of those perils (a quick Google search didn't turn up any
nuclear accident coverage).
Other Things Homeowners Insurance Covers
In addition to covering your home,
homeowners insurance also covers four more things:
1. Your outbuildings, landscaping, and
hardscaping. If you have outbuildings (like a
barn), landscaping, or hardscaping (like fences), your homeowners policy most
likely covers those for up to 10% of your policy amount (5% for plants).
For example, if you have $100,000 in
homeowners insurance and someone drives into your fence, the policy would cover
10%, or $10,000 in repairs.
Sometimes policies exclude damage to
outbuildings, landscaping, or hardscaping caused by a particular peril (like
wind).
2. Damage or loss of your personal
belongings. Your homeowners policy covers your
family's belongings, even when you take them out of the house. If your child
heads to college with a laptop and it's stolen, that's probably covered by your
homeowners insurance policy.
A home insurance policy covers a lot of
your personal belongings, but not necessarily everything.
You'll need additional insurance if you
have many expensive items like jewelry, furs, or antiques.
Policies will either state that your personal belongings are insured for replacement cost or cash value.
Policies will either state that your personal belongings are insured for replacement cost or cash value.
Replacement cost means that the insurance
company will pay the full cost of replacing an item (such as the laptop
mentioned above, or a sofa damaged in a fire) once you show a receipt. Cash
value means the insurance company will issue you a check for the amount that
the laptop or sofa would have been worth when it was stolen or destroyed.
3. Temporary living expenses if your
home is so damaged you can't live in it. When you
can't live in your home, your homeowners insurance covers your living expenses,
including hotel bills and meals. But, you can't live in the hotel forever and
eat lobster every night on the insurance company's tab. Your policy will have
limits on how long you stay and how much you can spend.
4. Injuries or accidents at your house. Homeowners insurance coverage includes liability - meaning it
covers you when you or your family members cause injuries or damage. This
coverage also pays when your dog bites someone (medical payments) or someone
falls and injures themselves.
Add an umbrella policy
(http://www.houselogic.com/home-advice/umbrella-insurance/whats-covered-umbrella-insurance)
to boost your liability coverage into the millions.
Homeowners Insurance for Older Homes
There's another kind of homeowners
insurance (HO-8) used when your home is so old it would be impossible to
replace. It couldn't be built like the original -- that is, new electrical code
wouldn't permit the same electrical, etc.
An HO-8 policy covers the same perils as
the basic HO-1, but will only pay you the repair cost or market value instead
of the replacement value.
If your home is old, but not so old that
it's historic, you might want another homeowners insurance coverage. A
"law and ordinance" policy covers the cost of rebuilding using
today's building codes. It's good to have if the building codes have changed a
lot (for example, in Florida) since your home was built.
Article From HouseLogic.com
Friday, August 30, 2013
DIY Wish List: Function Trumps Form
A new study examines which outdoor projects DIYers would love to do . . . but probably won't.
When it comes to picking outdoor DIY
projects, we found it interesting that homeowners opt for functionality over
form - and even finances, according to a new survey of U.S. homeowners. That's
music to our pragmatic ears.
By a wide margin, homeowners say they prefer functional projects (57%) over those that just look good (28.3%) or have financial value (14.7%).
By a wide margin, homeowners say they prefer functional projects (57%) over those that just look good (28.3%) or have financial value (14.7%).
But just because DIYers desire a project,
that doesn't mean they're going to strap on a tool belt and actually do it. The
survey also reveals the most-wanted projects a DIYer is least likely to do:
High-skill/high-effort projects, like building a deck or privacy fence
(http://www.houselogic.com/home-advice/fences/fencing-guide-options/), probably
will never make it off the DIYer's wish list.
The most-desirable projects promise to make
outdoor time more fun; but the ones homeowners probably will do are the
easiest, like planting a garden or spreading around some landscaping pebbles.
Take a look at these numbers crunched by the
Home Projects Council, a group of home improvement experts that sponsored the
online survey of 1,278 homeowners planning outdoor home improvement projects in
2013.
Top-5 Desirable Outdoor Projects
1. Plant a garden (49.1%): Anyone with a shovel and some seeds can try this project, though
it'll take some experience to grow temperamental veggies, like tomatoes
(http://www.houselogic.com/home-advice/plants-trees/how-grow-your-best-tomatoes-ever/).
2. Landscaping with pebbles, stones, or
rocks (28.3%): Attractive landscaping
(http://www.houselogic.com/home-advice/landscaping-gardening/landscaping-home-value/)
adds value to your home by boosting curb appeal
(http://www.houselogic.com/home-topics/curb-appeal/). And it doesn't take much
effort to spread pea gravel in garden paths to add color and texture.
Tip: Edge your
path to keep the gravel from spreading.
3. Build a deck
(http://www.houselogic.com/home-topics/how-to-add-a-deck/) (22.8%): A deck is a great way to create outdoor living space, especially
when your yard is sloped. Deck maintenance
(http://www.houselogic.com/home-advice/decks/deck-care-and-maintenance) is
easy, too: A coat of sealer will keep it looking good.
4. Create a fire or BBQ pit (20.5%): This retro project evokes 1950s dads flipping burgers over a
handmade brick pit. Today, you're more likely to install a gas grill
(http://www.houselogic.com/photos/appliances/grills-gone-wild/slide/pretty-in-pork/)
in the pit, which makes the stainless steel seem less industrial and more
homey.
5. Build a patio or walkway with pavers
or bricks (19.2%): These stone hardscapes are
elegant, functional, and long-lasting.
Top 5 Projects DIYers Wouldn't Do on a Bet
Hey, a guy can dream, and then hire a pro to:
Hey, a guy can dream, and then hire a pro to:
•Pour concrete slabs for patios,
steps, or sidewalks.
•Install a garden pond.
Article From HouseLogic.com
By: Lisa Kaplan Gordon
Thursday, August 29, 2013
Survey: More Renters Want to Become Homeowners
Homeownership as a priority is on the upswing. And a look back shows perceptions about owning weren't as negative during the recession as the media suggested.
Americans have favored buying over renting,
even during the recent Great Recession, and this year is no different. The 2013
National Housing Pulse Survey, by the NATIONAL ASSOCIATION OF
REALTORS found Americans overwhelmingly believe owning a home is a
good financial decision, and a majority of renters say homeownership is one of
their highest priorities for the future.
During the recession, much media coverage of homeownership focused on the idea that lots of people thought renting was much smarter than buying. But that wasn't necessarily the case as a look back shows.
The decline in home prices and turmoil in the housing markets did influence consumers' perception of housing as a sound investment -- but not by nearly as much as the media made it appear.
From 2007 to 2011, based on earlier Pulse surveys, the share of people who thought buying a home was a good financial decision dropped from about 85% to 73% and the share of people who were "not so strongly" positive grew. By 2013, we're back to 80% thinking homeownership is a sound financial decision.
You can interpret that dip two ways. Some would say homeowners were resilient as prices declined. Others would say the recession was a wake up call for investors who viewed the real estate market as a short-term investment.
Regardless of which way you see it, most of us have returned to the much more realistic viewpoint that real estate is a solid, if long-term, investment.
This year's Home Pulse survey also found:
During the recession, much media coverage of homeownership focused on the idea that lots of people thought renting was much smarter than buying. But that wasn't necessarily the case as a look back shows.
The decline in home prices and turmoil in the housing markets did influence consumers' perception of housing as a sound investment -- but not by nearly as much as the media made it appear.
From 2007 to 2011, based on earlier Pulse surveys, the share of people who thought buying a home was a good financial decision dropped from about 85% to 73% and the share of people who were "not so strongly" positive grew. By 2013, we're back to 80% thinking homeownership is a sound financial decision.
You can interpret that dip two ways. Some would say homeowners were resilient as prices declined. Others would say the recession was a wake up call for investors who viewed the real estate market as a short-term investment.
Regardless of which way you see it, most of us have returned to the much more realistic viewpoint that real estate is a solid, if long-term, investment.
This year's Home Pulse survey also found:
•Eight in 10 Americans think buying a
home is a good financial decision.
•68% believe now is a good time to buy
a home.
•36% of renters are now thinking about
purchasing a home, up from 25% last year.
•The proportion of renters who say
they prefer to rent dropped from 31% to 25%.
•Half of renters say that eventually
owning a home is one of their highest personal priorities, up to 51% from 42%.
Those renters should be in a good position
to buy given that home prices are pretty affordable (unless you're a bus driver
in San Francisco). Rising interest rates could come into play, but anything
around 6% looks good compared with the double-digit interest rates of the
1980s.
Attitudes toward the housing market have also improved over the years. Nearly four in 10 Americans (38%) said their local market was more active this year, compared with 51% of people who reported a slowdown in local activity last year.
There is also less concern than in the past about the drop in home values; almost half (49%) said housing prices in their area are more expensive than a year ago.
Attitudes toward the housing market have also improved over the years. Nearly four in 10 Americans (38%) said their local market was more active this year, compared with 51% of people who reported a slowdown in local activity last year.
There is also less concern than in the past about the drop in home values; almost half (49%) said housing prices in their area are more expensive than a year ago.
Article From HouseLogic.com
By: Dona DeZube
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