Your E-Pro REALTOR:
Judy Levin
September 2019
Real
Leelanau County Specialist


5 Questions to Ponder If You’re Thinking of Buying Your Very First Home
Sometimes it’s simply a small notion that someone at work mentioned. A coworker just bought a first home and they just keep talking about it. Or maybe you start noticing For Sale signs around that were there, but you never noticed them. Perhaps your real estate agent friend keeps telling you it’s time to buy and stop renting. Whatever the motive, buying a first home is a pretty big step. All homeowners remember buying their very first home. Pretty much every detail. They remember where they close and can remember what their settlement agent looked like. They certainly remember the down payment and closing costs and getting the keys to the home handed over to them. It’s pretty exciting. If these
Mortgage Rates
U.S. averages as of September 2019:


30 yr. fixed: 3.55%
15 yr. fixed: 3.03%
5/1 yr. adj: 3.32%






thoughts are swirling in your head, ask these questions to see if they can push you across the goal line.
      How much money do I need? You’ll need
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10 Easy Solutions for Creating More Storage at Home
     If you’re frustrated with the lack of storage in your home, you’re not alone. Forbes reports that, "Most buyers are looking for extra storage space to organize and declutter their homes. Garage storage solutions and walk-in pantries rank high for organizing and concealing items.”
      Take a new look at your house Don’t have enough linen space? Maybe there’s a corner or niche that could be turned into a closet. It might just take an open mind and a fresh outlook to reimagine a space. 
      Pick the right furniture "A hardworking family needs a hardworking living area, one that uses every inch of space available,” said Better Homes and Gardens. "Built-in



Finding Down Payment Money
     One of the biggest challenges, if not the biggest challenge, is coming up with the money for a down payment on a home. Even if someone is taking advantage of the new conventional 3.0 percent down program or the FHA mortgage, most every loan requires some sort of a down payment. While 3.0 percent doesn’t sound like a whole lot, if you’re buying your first home it usually is. On a $250,000 home, that comes out to $7,500. That’s not even mentioning closing costs. But there are sources for down payment funds that might sometimes be overlooked.
      The Bank. Okay, this is the obvious source. From a checking or a savings account, accessing readily available cash from a bank account is the most common. Consumers can save up a little each month until the minimum amount of funds needed have accrued. The lender will ask for copies of the most recent bank statements showing available funds as well as documenting the source of those

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September 2019

Troubled Waters In Fishtown

The Ticker - By Craig Manning

An effort to raise funds to overhaul Fishtown in Leland has hit a “wave” of issues, thanks to record high water levels there.

For years, the Fishtown Preservation Society (FPS) has been seeking $1.6 million and applying for permits with the goal of launching a rehabilitation project for the shanties and infrastructure that make up Fishtown. FPS Executive Director Amanda Holmes now tells The Ticker the price tag for those projects will be markedly more expensive than projected.

But Holmes says the high water levels in Lake Michigan have created a crisis for Fishtown, damaging key structures and causing the predicted costs of rehabilitation to skyrocket. Heavy spring rainfall also caused an increased flow of water over the Leland Dam and off nearby roads – all flowing down into the low-lying area that is Fishtown.

“All the water from different parts of Leland is just rushing down into Fishtown, such that, when there's a big rain, it's like having six rivers flowing down on us,” Holmes says. In addition, the area has been hit by several seiches off Lake Michigan this summer – causing water levels to fluctuate dramatically in a matter of minutes.

Together, these factors have caused the Leland River – which bisects Fishtown’s lakeside location – to swell dramatically. On a typical day, Holmes says water levels now hover just a couple inches below the docks. On days with storms or seiches, the water comes surging up onto the docks and into Fishtown itself.

The results have been destructive in more ways than one. Holmes says the water coming over the Leland Dam will often sweep into the river “like whitewater.” In turn, this heavy flow creates currents that have carved away the foundations under some of the shanties and put undue pressure on the docks that house the Joy and the Janice Sou, Fishtown’s two commercial fishing boats. The damage will add major cost to Fishtown’s rehabilitation.

The flooding has also been a problem for Fishtown businesses. Village Cheese Shanty, a beloved sandwich shop, and Leland Gal, a high-end décor boutique, have both dealt with flooding. Falling Waters Lodge, the hotel situated right on the river, has weathered canceled reservations.

“We get calls every day where people are asking, 'Is Fishtown closed? We've heard it's flooded.’ And that's been a really tough thing on all of the businesses,” Holmes says, adding that the average day in Fishtown is fine, with water levels close to the docks but no flooding. Even so, the issue has scared some tourists away and has put business owners on guard.

“We had to change our whole protocol for how we open and close the store every day, which takes an extra 20 minutes each morning and afternoon,” says Leland Gal proprietor Maggie Mielczarek. Store employees now pack the majority of merchandise into plastic bins at the end of each day, placing those bins on tables that are two feet off the ground. So far, it’s been effective: The store was flooded twice in a single day earlier this summer, but managed to salvage all merchandise. “The most anxious part about it for me is knowing that, at any moment, I might have to close at the busiest time of the year and just wait,” Mielczarek says.

While there’s no saying when water levels might go back down again, FPS is hopeful that it will be able to get started on rehabilitation efforts this fall. Those projects would include several steps intended to prevent future flooding, such as improving drainage infrastructure and raising vulnerable shanties to sit a few inches higher above the water. FPS, which owns the majority of the buildings and properties in Fishtown, has been seeking out permits and bids for the projects. Holmes says the earliest bids came in “significantly higher” than the $1.6 million projection, but adds many donors have already come forward to help.

“This is very much a community effort, and that community spans across the country,” Holmes says. “Donations have come in from everywhere, because of how people just love this place. Whether it's a touchstone for their summers, or where they remember learning to fish, or where they had their last trip with grandpa, it's all of those things for people. So those who are helping, that’s why they’re doing it.”

PHOTO OF THE MONTH:

BEAUTIFUL VINEYARDS OF M-204 BETWEEN SUTTONS BAY AND LAKE LEELANAU S-curve ...

Photo By Ken Scott

PROPERTY OF THE MONTH: Click Here to View the Full Listing and More Photos

REAL ESTATE INFORMATION:

NEW LISTINGS

18675 Bonnie Jean Drive Traverse City $314,500

Click Here to View the Full Listing and More Photos

SOLD

13066 N. Cherrywood Court Northport
MLS 1864744 $129,900
2 bed 1 bath, ranch shared waterfront

Click Here to View the Full Listing and More Photos

CREATED SALE

2402 S. Sandy Beach $476,000.00
100 ft S Lake Leelanau. 3 bedrooms 2 bath ranch

Pending

905 N Duck Lake Trail, Leland $2,250,000
MLS 1862544
3 bed 3.5 bath 4,330 square feet, 304 ft direct lake Michigan 16.22 acres

Click Here to View the Full Listing and More Photos

SANDWICH AND DELI MARKET OF THE MONTH:
Photo From Market 22’s Website

MARKET 22 ACROSS FROM LITTLE TRAVERSE LAKE ON M-22

So delicious All the food is excellent. Fresh and handmade…so many good dishes and things to go. The price is right and you will love going to this special place.

Hours of Operations
Monday, Thursday, Friday 11 – 8:30
Saturday 9 – 8:30
Sunday 9 – 2:30
Tuesday and Wednesday – CLOSED

497 E. Harbor HWY. Maple City MI 49664

Phone: 231-228-6422
Dine in OR Take Out

Click Here to View Market 22s Website

RECIPE OF THE MONTH

Photo and recipe from NYTimes Cooking By David Tanis

Pork Chops With Apples and Cider

Time: About 1 hour
Yield: 4 to 6 servings

INGREDIENTS

FOR THE SPICED SALT
1/4 teaspoon black peppercorns
3 cloves
4 allspice berries
2 tablespoons roughly chopped sage
1 and 1/2 tablespoons kosher salt

FOR THE PORK AND SAUCE
6 boneless pork chops, 4 ounces each, about 1/2-inch thick
2 large apples
2 tablespoons butter
All-purpose flour, for dusting
1/2 cup hard cider, plus 2 tablespoons
2 teaspoons Dijon mustard
1 and 1/2 cups chicken broth
2 teaspoons potato starch dissolved in 2 tablespoons cold water
3 tablespoons crème fraîche
1 tablespoon Calvados, apple brandy or Cognac, optional
2 tablespoons finely cut chives
2 tablespoons chopped parsley

Preparation

Step One: Make the spice salt: Put peppercorns, cloves, allspice and sage in a spice mill or mortar and grind to a powder. Remove to a bowl and stir in salt. Season pork chops on both sides with salt mixture. (There will be some salt mixture remaining; use it to season the sauce, Step 4.) Cover and leave chops at room temperature to absorb seasonings for at least 30 minutes.

Step Two: Peel, quarter and core apples, then cut each apple into 12 wedges. Melt 1 tablespoon butter in a wide skillet and raise heat to medium-high. Add apple wedges in one layer and brown gently on one side, about 2 minutes. Brown on the other side and cook for 2 minutes more, or until apples are cooked through but still firm. Remove apples from pan and keep warm.

Step Three: Add 1 tablespoon butter to pan and swirl to melt. Dust pork chops with flour, and place in pan and brown gently for about 4 minutes per side. Adjust heat if necessary to keep pork from cooking too quickly. Remove chops and keep warm on a platter in a low oven. Discard remaining butter.

Step Four: Add ½ cup cider to pan, raise heat to high and cook down to a syrup. Add mustard and chicken broth, and bring to a boil, then reduce heat to a simmer. Add potato starch and stir with a wire whisk as the sauce thickens. Stir in crème fraîche. Season to taste with remaining spiced salt. Add 2 tablespoons cider and the Calvados, if using. Cook for 1 minute more.

Step Five: Spoon sauce over the chops, then spoon the apples around the platter. Sprinkle with chives and parsley.

Judy’s Movie Reviews

NETFLIX DVD

SOMETHING WILD

Jeff Daniels plays a bored businessman when Melanie Griffith kidnaps him for a weekend trip. They pose as a married couple at her high school reunion, but her husband(Ray Liotta) shows up freshly out of jail and then all hell breaks loose. These actors were at the beginning of their careers. 3 out of 5 stars

TO WONG FOO, THANKS FOR EVERYTHING, JULIE NEWMAR

This is a fun, crazy comedy about three NY drag queens, ( Patrick Swayze, Wesley Snipes, John Lequizamo) on their way to a Hollywood Beauty Pageant when they get stranded in a small Midwestern town….O boy what fun…Swayze is amazing… Loved it 4 out of 5 stars

NETFLIX STREAMING

AMERICAN FACTORY

A documentary produced by Michelle and Barack Obama. When a Chinese company reopens a shuttered factory in Ohio there was a big culture clash.. An interesting movie that lays everything on the line. 3.5 out of 5 stars.

CHERRY BLOSSOM 14

GOOD BOYS

This is one funny and good movie. It is about 12 year olds coming of age. Each one of these actors is superb. Lots of fun! 3.5 out of 5 stars

STATE AND BIJOU BY THE BAY

Click Here to View What is Coming Soon

The Bijou By the Bay

BLINDED BY THE LIGHT

A 16 year old British Pakistani is living in a small town in England during the 80’s. His parents want him to work hard so he can be a professional but what he really likes is Bruce Springsteen music. With the Boss music he finally has the courage to stand up to his parents. This based on a true story. A crowd pleaser. 4 out of 5 stars

The State

THE PEANUT BUTTER FALCON

I sponsored this for the Film Festival and it was superb!!! Rotten tomato rating is 94%. A young man with Down’s Syndrome escapes from a nursing home so he can join his hero in a favorite wrestling camp. How he get there is one great adventure. So much fun, heartwarming with fun chase scenes. Run don’t walk to see this one. 4.5 out of 5 stars..

THE SUTTONS BAY COMMUNITY THEATRE

THE FAREWELL

A New York Chinese family finds out their Mother and Grandmother is dying of lung cancer. It is the Chinese tradition not to tell the dying person until get it gets close to the end. How they manage a trip to China without the Grandmother finding out she is dying is very interesting. I highly recommend this film. 4.5 out of 5 stars

Click Here to View What is Coming Soon

FEATURED VIDEO OF THE MONTH:

The first ever Iron Man 70.3 race in Traverse City Michigan! 2,500 athletes competed.

Video by Bangladeshian

Click Here to access the METROPOLITIAN OPERA LIVE Website

Click Here to access the Traverse City Official Website

Click Here to access City Opera House Website

Click Here to access Interlochen Center For the Art Official Website

Click Here for the Leelanau Farmer Market Schedule

There are so many wonderful properties for you to buy in Leelanau County. You are never more than 5 miles from a body of water to look at and take a swim or a trip on your boat. Please call me or text me at

231-218-7653 from 8 am to 9pm. Of course, email me at judy@judylevin.com

I look forward to assisting you with your goals and dreams.

Thanks,
Judy






  Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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Judy Levin,CRS e-PRO
E-mail: judy@judylevin.com
Website: http://www.judylevin.com
231- 218-7653
Coldwell Banker Schmidt
231-271-6161
71 Fourth Street
Suttons Bay Michigan 49682


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