Saturday, December 29, 2007

A Realtor’s Role—A Glimpse and Opportunity to Become a Friend

This holiday season I was blessed with a ringing cell phone. Not just one client or contact but several. New prospects. Current buyers and sellers. Past clients and friends. And of course other agents.

Each situation and reason for calling was unique. As I consider each of these contacts I realize once again how my position as a Realtor provides a glimpse like a look through the keyhole into lives. Each phone call is the beginning to a story and often the caller is asking me to play a role. When I answer a call, it could be a romantic love story and exciting adventure or sad tragic tale. As a professional real estate agent, I play this role throughout the year but during the past few weeks many stories tugged at my heart.

Just before Thanksgiving, I received a call from a young man asking to see a listing of mine in Forest Lake. He and his fiancé just drove by the home and wanted to see it the next day as they were excited by the idea of purchasing their first home. Over these past few weeks, I shared many evenings of showing homes and meeting with their families. This excited young couple decided on property and if all goes according to plan they will start the New Year in their new home.


A week before Christmas I received a response to a newspaper advertisement for a Ham Lake lakeshore home. The gentleman caller is looking for something private on a full recreational lake. During the conversation he shared that he had just finished building a beautiful lake home in Alexandria two years ago. He had lost his lovely bride of 61 years a short time ago and he didn’t want to go there anymore. He was contemplating a new lakehome nearer the cities.

Last week I showed a home a few days before Christmas. It was perfect for my clients! I called the listing agent and left a voicemail. A day later I receive a call. The agent had a family medical emergency. He had another agent to handle his files but that agent decided to go on a holiday leave. Patiently and professionally, I dealt with the original agent. Unfortunately, the medical situation was serious and the family member died. Negotiations though delayed at times have been successful for both parties.


The calls don't always go as expected and the topics do not always stay exactly on real estate. A Realtor works with people and families all in different stages of life. This is important to me and the part of real estate that I truly enjoy.

As I review the holiday cards I receive from past clients sharing photos of growing grandchildren or news of adoptions and births, I realize that the role of Realtor is more than being a sales person or processor of paperwork. As I step into my clients’ lives to assist them with the sale of their property or purchase of their first home, I get a glimpse of their world and the opportunity to become their friend.


If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 Teri Eckholm http://www.terieckholm.com/

Monday, December 24, 2007

What Alvin and the Chipmunks taught me about Communication

On my seventh October birthday, I received one of my favorite presents; The Chipmunk’s Christmas album. I couldn’t wait to share it with my friends at school. I told all my school friends about it for nearly two months. My wonderful, understanding second grade teacher said I could bring it in the week before the holiday so I waited as patiently as a second grader can wait.

The day of the party, I walked into the classroom, carefully holding my prized vinyl disc with the smiling cartoon characters on the cover. And there was a substitute.
My beloved teacher was ill and wouldn’t be returning until after the holiday!

I was crushed as I loved my young teacher and wanted to share my favorite song with her. (Yes, it is Christmas Time is Here.) The substitute was a retired educator from a totally different era. In my youthful eyes, she looked ancient! She was very kind and said we would play the album after lunch.

The record was stored away until after lunch and recess. Finally, the moment to play my favorite song from The Chipmunks had finally arrived. I still remember standing over the record player as the teacher said, “That can’t be right…It sounds funny. We must have it on the wrong speed.” I tried to explain and show the 33 1/3 speed marker on the album as she adjusted the wonderfully, high childlike Chipmunk voices to an extremely slow speed adult voice just as Alvin shouted, “Okaaay Dave!” and broke into the painfully slow melody… “Christmas, Christmas Time is Here”.

I pointed out that “Dave” sounded wrong with such a slow voice and the Chipmunks were supposed to sound high and squeeky. They were Chipmunks after all! The retired substitute teacher never did understand. I was frustrated and started crying. My friends were bored. And the album was a flop at school as the substitute refused to play it at the correct speed.

Thinking back on that incident, I learned a lot about communicating. I learned that not everyone sees or hears things the same way. As a Realtor, communication skills are essential in working with buyers and sellers.

  • Where I may hear the freeway noise in the backyard of a property, a home buyer might appreciate the background sounds of the city so they don’t feel so isolated.

  • When I explain to a seller what needs to be done to put a home on the market, details must be provided. Clean, paint and declutter can mean different things to different people.

  • Background music in a home can be a wonderful staging touch but since a seller doesn’t know who will be coming into the home, soft instrumentals might be much safer than other music genre.

As Alvin, Simon and Theodore make their way into the hearts of a new generation, the communication lessons remain. Not everything sounds right to all people but it just maybe music to the ears of others.

Have a Very Merry Christmas!

If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.


Copyright 2007 Teri Eckholm http://www.terieckholm.com/

Tuesday, December 18, 2007

Twas the Week Before Christmas and all through the County—I’m Showing Houses!

Here it is a week prior to the Christmas Holidays and I am frantically getting ready as I always do this time of year. But in the midst of shopping for presents, sending packages, wrapping gifts and baking cookies, I have to set up and show homes to clients.

A normal year would see a slow down around the holidays but this year real estate has been anything but normal. Buyers have been out there all year long but with change on the horizon for 2008 in the mortgage industry,
some buyers are very motivated to find the perfect home now!

So off we went this weekend for showings throughout White Bear Lake, Forest Lake and Hugo and Ham Lake….Surprisingly most of the homes we saw were well prepared for our visit. Christmas trees were lit and added extra sparkle. Sidewalks were shoveled at most homes. And the chocolate chip cookies were a nice touch…Hope they were meant for us and not Santa.

Not all stockings were hung with care in preparation for our visit. The one home owner that did not bother to shovel their driveway after the huge 8-12 inch snowfall last week, did miss out on a sales opportunity. The home was not bad inside but when a homeowner doesn’t bother to maintain the exterior, the interior is reviewed with an extra critical eye. The potential sale was lost as my buyers trekked up the hard packed uneven snow banks to the front door. The Rainbow Goldfish crackers left in a pile on the table were not as appealing as the cookies at the other home either.

Sellers make the most of this week and the opportunity it presents! If a buyer requests a showing on your home, make it available and make them welcome. Many buyers are very serious this time of year! A beautifully prepared home could mean the best present of all for a seller; an acceptable offer all wrapped up for the holidays!


If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Saturday, December 15, 2007

And the Winner is….The One Who DIDN’T Enter!

Ever hear the saying, "You can’t win if you don’t enter?"

Well, maybe you can. Before you enter that next drawing at your local department store, sporting event, or county fair, think twice.

Yesterday, I was listening to a local radio program as I cruised home from showing homes listed throughout Forest Lake and Ham Lake. In between Christmas carols, the DeeJays were fielding phone calls from people who had been scammed.

One gal called in with a story that got my attention. She had entered to win a prize at Spookyworld, a Halloween event in the Twin Cities, a few years back. A few days after the event, she received a call announcing that she had won the grand prize. What she didn’t realize was the caller had stolen the box of entries. She was told to claim her prize they needed her personal information. I don’t know if it was to direct deposit a cash prize or to notify the IRS of her winnings, but she was asked for and provided personal account personal information. She was scammed for thousands of dollars and it took over two years to straighten out the mess.

We are all certain that we wouldn’t be dumb enough to give out a credit card or social security number…but would we? This lady was convinced the call was legitimate by the fast-talking scam artist. After all, the caller knew she had entered to win a specific prize at Spookyworld and the day she had entered. He was very good; she was totally convinced she had won.

As a Realtor, I have often thought of putting a prize drawing box into businesses to collect names of people interested in learning more about buying a first home or relocating to Anoka County, Minnesota. Now I am no longer certain that is a great idea.

What if someone took that box and pretended to be me? I would feel terrible if a similar situation occurred. From this point on, every time I collect names and addresses, I will be vigilant to protect them as this scam was an eye-opener. I have always protected my clients' personal information as if it were my own and potential clients are no less important to me.

If the box is not locked down, think twice about that entry. And if someone calls saying you won a prize, don’t give out ANY personal information over the phone. Be cautious. Don’t get caught up in the excitement of winning and lose your identity!


If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 Teri Eckholm http://www.terieckholm.com/

Thursday, December 13, 2007

A Snapshot of Real Estate Across the Twin Cities and the US

This week I took part in a real estate experiment of sorts. Actually it was more of a survey of days on the market (DOM) for homes sold across the US. Several of my colleagues and I are tired of the gloom and doom numbers being touted by the national media. While things are slower in certain areas of the nation, the overall numbers are not as bad as the talking heads on the nightly news suggest.

See, real estate is local. Remember the real estate mantra…Location. Location. Location? We have to consider the location to get a true picture of the real estate market place.

Based on this theory,
Ashley Drake Gephart, Keller Williams Realtor in Albuquerque, New Mexico compiled current information from Realtors throughout the US for her post, US Real Estate Agents Weigh In. Ashley wanted honest numbers from communities across the nation from actual agents. So as she puts it, “without any fluff or twisting of numbers, here they are…”






Looking at these numbers without the added analysis from someone working the market, you might be concerned about a 248 DOM for November. But what I pointed out to Ashley is that Ham Lake is a very specific area in the north end of the Twin Cities. Only dozen or so properties sell each month. During November, three high-end properties were sold. These homes list priced at $475,000-$750,000 take a significantly longer time to sell as I have indicated in previous
Ham Lake market posts. The fact that three high end properties sold in one month, though skewing the DOM, is actually a good sign for the Ham Lake market.

Here is a picture of how the Ham Lake DOM stacks up against the county DOM for the north and northeast Twin Cities metro:




**All Statistical information based on information from the REGIONAL MULTIPLE LISTING SERVICE of MINNESOTA, INC. for the period of 9/1/07 through 11/30/07.


DOM numbers are cumulative meaning that if a home was re-listed several times with the same or a different Realtor, ALL of the days on the market counted. It also includes every residential property whether in foreclosure or new construction; townhome or single family. When unique situations or designs are broken out, the numbers can change dramatically. Townhomes are taking longer to sell as are homes in foreclosure. New construction homes can be on the market for one day when a buyer sees a model but selects a different lot not currently MLS listed.

Note the other anomaly in Chisago County in October with a 229 DOM. Out of the 39 homes sold, one had a 1083 DOM. Yes, that is nearly 3 years! Some homes for whatever reason, can take that long to sell but it does not present a true picture of the market. Notice that in November, the Chisago County DOM was back to 130 days.

In my market, I tell people considering selling their home that the average time on the market in the north and northeast metro is approximately 4 months. The further from the Twin Cities and the higher your price, the longer it will take to sell your home. If your home is not in the optimal condition, it will take longer.

I also tell buyers looking to buy that first home or move into something bigger, it is a great time to buy! Just look at all of the options you have with so many great homes on the market AND low interest rates. A great combination for home buyers!

Bottomline here is this: If you want a true picture of the real estate market call an experienced Realtor who works in that community and ask. It’s not gloom and doom all over.

Need more information on the Albuquerque market or any of the other markets listed? Here are the links to the agents that provided the information for Ashley’s article.


FEATURED Listings in Ham Lake and Forest Lake Minnesota:

If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 Teri Eckholm http://www.terieckholm.com/

Saturday, December 8, 2007

Sticking with Home Buyers until the Dream is Reality

It’s a bright sunny early spring afternoon in 2006, my cell phone rings.
“Hi my name is Ben Johnson and you worked with my in-laws a few years back. They are in that great home in Scandia.”

“Sure, Ben, I know who you are. I spoke with your wife, Kim, a few years back but you weren’t ready to make a move then.”

“Well we are now! Could you show us a few homes tomorrow? We are interested in a few horse properties that are on the market in Isanti and Anoka Counties.”

“Great! I will set them up!”

So began the journey to the perfect home for the Johnson family. This story does have a very happy ending but the middle was rather a long drawn out process. Ben and Kim had a home to sell. When they sold their first home a decade before, it sold in a matter of days. Like most Twin Cities homeowners a few years ago, they were certain that their home would sell quickly, even in the slower market. Many people had said they were interested in the two-story, centrally located St. Paul home. But FSBO is not as easy as it would seem. After exhausting their contacts, they listed with me at the end of the summer of 2006.

From our first meeting, the Johnsons opted to sign a buyer’s representation agreement with me. I represented the couple in the search for their dream home. Kim and Ben’s dream was to live on acreage so they wouldn’t have to board their daughters’ horses. The Johnson’s wanted land to ride on and prairie views of beautiful private sunsets. Driving from North Branch to Linwood and Stacy to Scandia, we scoured the countryside. We found many perfect places for this family while they waited for their home to sell so they could write a non-contingent offer.

Over the holidays, the Johnsons chose to remove their home from the market. Their busy schedule included celebrating with a number of children and grandchildren. Showings didn’t fit in the plan. During the time their home was temporarily off of the MLS, a buyer contacted me as my sign was still in the yard. She was ready to buy and love the home from the outside and the photos online. The day the house re-listed, she wrote an offer which was accepted.

Of course this was the first big snowstorm of 2007 and the Johnsons and I trekked out in the elements to see new homes. After viewing properties from East Bethel to Chisago, the perfect home was found in Forest Lake. Unfortunately, the person buying their home wasn't a good buyer; the earnest money check bounced. So we were back to the drawing board.

A few weeks into March and my clients were more dedicated than ever to find the perfect home. Kim and Ben had just had a new roof put on the house and made every repair recommended by the truth-in-housing inspector. They decided to offer a warranty on their home so a new buyer wouldn’t have to worry about an older dryer or boiler. They lowered their list price and showings picked up. The home they had their eyes on in Forest Lake sold but new homes were coming on the market to consider.

As spring turned to summer, my clients were home sellers frustrated with the market. The Johnsons dropped the price again. Weeks later, we were contacted by an agent that another offer was coming in. Out we headed again to find a perfect place to call home. This time there were homes in Scandia, Stacy, Columbus, North Branch and Linwood to consider. Again a perfect Scandia home was located.

The offer did arrive by fax the next day. It was from an investor who wanted to close within days. When the sellers countered with a new closing date, the investor rejected the counteroffer and bought a different home. A week later the Scandia home went into pending. Another dream faded away.

As August approached, Ben and Kim remained positive and determined to have a new home for the school year. Another price adjustment and another offer came in. Third time was definitely the charm!

Now, it was crunch time! A perfect horse property was available. It was a second choice to the Scandia home. An offer was written, accepted and on a bright sunny fall afternoon, both homes closed. Their dream was finally a reality.

See, the lesson here is a professional Realtor is in it with you for the long haul. I stuck with my clients through flighty buyers and a rough market. I showed them homes in four counties and several communities for over a year until the timing was right.

When I checked in on the Johnson family a few weeks after closing, Kim and Ben were happy with their new home. Of course there were hiccups that need to be resolved but overall the family was satisfied and at home. Their children were adjusting well, the horses were grazing in the back and life was returning to a new normal on 10 acres in the country.

This is why I am a Realtor. I make dreams reality no matter how long it takes.

*The story is true though in interest of my clients’ privacy, I did change the names.


More Articles on Buying Real Estate that might be of interest:
Are You a BUBBA?
Rent VS Buy? It's Time to Revisit the Question!
How to Choose a Realtor—Why a Good Friend is Not Always a Good Option
How to Choo-Choose a Realtor and Avoid a Train Wreck!

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If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 www.terieckholm.com

Thursday, December 6, 2007

Raking in Winter? Yeah, You Betcha!

Winter has come early this year. It looks like we will have a traditional white Christmas...or more accurately, a white December this year. Here we are not even a week into the month and Twin Citians are looking at record snow totals.

The snow has accumulated out of the inch range and into the foot range in Forest Lake and Ham Lake. As a home owner in Anoka County, where the snow has started to pile up, it was time to take action. To avoid the headaches that come with the snow melting off of the roof and refreezing at the eaves, here is a quick reminder.

Avoid ice dams, rake that roof! Yep, pull that funny looking backwards shovel with the extension pole out of the garage and carefully pull off the snow.
So how does it work? Carefully raise the rake over the edge of the roof as far back as the rake will reach and pull down the snow. Be certain to wear a hat, boots and gloves as there is a good chance that snow WILL land on you!

Don’t have a roof rake? This is the year to make the $20-30 investment. Ice dams will form early when the roof is not properly insulated. We take precautions along the edge of our additions as icicles have formed their most quickly in the past. Icicles, while pretty, are a clear sign of ice dam formation.

Not a do-it-yourselfer? Or, do you have a two story home where the rake won’t reach? Call in a professional to remove the snow. Ignoring the problem and repairing a roof or interior ceiling due to ice and water damage could cost thousands!


If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 www.terieckholm.com

Wednesday, December 5, 2007

Forest Lake Skyscape Construction Continues


Residents and visitors alike do a double take as they pass through Forest Lake, Minnesota this December as construction continues on the new water tower.

Though the photo is not strikingly different from the
original I posted last week, if you look closely there are some marked differences. Note the yellow appendage to the tank bowl. Yes, folks that is a ladder. No fear of heights allowed when working on this project. Can you even imagine taking a hike up that ladder? Yikes.
Before the 12 plus inches of powdery snow that made skiers, snowboarders and snowmobilers alike shout in exuberant exclamation hit Forest Lake this weekend, I snapped a shot of one of the huge sections on the ground that was being prepared to be lifted into place for the top of the tower. It is directly under the arrow. Can you see the edge of it coming up near the crane? It's HUGE!

Hopefully, I will be in town when one of the giant sections is raised into place. Of course, I think with all of the snow, it will be a day or two until this piece is dug out.
If you are buying, selling or relocating to Forest Lake, Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.
Copyright 2007 www.terieckholm.com

Sunday, December 2, 2007

Sleigh Bells Ring are You Listening?—Winter is a Great Time to BUY a Home!


A fresh blanket of snow covers the landscape across the Twin Cities from North St. Paul to East Bethel and Ham Lake to Scandia. Winter is not a time to hide from the elements and wait until spring to make a home buying decision! Although making a move in a Minnesota winter’s snow and ice is not ideal, the timing could not be more perfect to buy a home and get a GREAT DEAL!

Here are the Top Ten Reasons to Buy a Home THIS Winter!
Reason 10—Holiday Décor. Visiting homes this time of year will really put you in the holiday spirit. Many homeowners use this opportunity to deck the halls with hopes that there will be a purchase agreement in their Christmas stocking!

Reason 9—Check Window Efficiency. No that frost on the window is not a holiday decoration! Subzero temperatures really put windows to the test. Some windows will fog between the glass panes, others will ice up on the interior and then there are those that stay crystal clear in the cold. This energy efficiency test can only be done when the temperature is extreme outside.

Reason 8—Low Traffic/Less Competition. While most Minnesotans are shopping at the Mall of America for gifts or attending “A Christmas Carol” at the Guthrie Theater, savvy home buyers are visiting homes with their Realtor!


Reason 7—Realtors have Tons of Time. Most Realtors are not juggling several clients and will be able to spend more time scouring the MLS to find the perfect home for their buyers!

Reason 6—Tightened 2008 Mortgage Guidelines. In the first quarter of 2008, most borrowers who have good credit, but have FICO scores below 680, will be required to pay more points at closing or incur a higher interest rate. The amount that a borrower could be forced to pay, even if they've never been late on a payment, could be as much as 2.00% in points or an interest rate that's 1.00% higher than the going rate.

Reason 5—Check the Heating System. Whether the home is heated with a forced air furnace or a hot water boiler, checking out the heating system in the summer is hard to do. On a cold Minnesota evening, a furnace problem is very obvious!

Reason 4—Builders Discounts. New Construction developments hoping to clear inventory before the end of the year will often slash prices. Buyers ready to buy non-contingent are in the best position for a deal…Especially when they are accompanied by their agent to assist with the negotiations!

Reason 3—Low Interest Rates. Just after Thanksgiving, interest rates dropped to the lowest point in 25 months! If you don’t buy now, you could miss a great opportunity to cash in on the lowest rates since October 2005.

Reason 2—Amazing Inventory. Whether you are looking for a starter town home, a single family home, a private country estate, a McMansion or a lakeshore paradise, there are probably a slew of properties for you to select from. A search of lakeshore in Anoka, Chisago and Washington Counties alone, yields nearly 100 available homes. Now that is a great selection!

And, drumroll please, The Number 1 Reason for Buying in the Winter—Motivated Sellers. Homes that stay on the market in December and January in the Twin Cities are homes that need to be SOLD! If they are motivated enough to suffer through a Christmas Eve showing, they probably are willing to negotiate on the price as well!
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If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 www.terieckholm.com

Saturday, December 1, 2007

Uniquely Minnesota Artful Distractions—Hometown Version: Giant Polar Bear in White Bear Lake

Buying a car in the north and east Twin Cities metro usually means a trip down Highway 61. It is the mecca of new and used cars! Ever since I can remember one a huge Uniquely Minnesota Artful Distraction, the big polar bear at Polar Chevrolet, has been greeting auto buyers from the shore of Goose Lake just outside of the city of White Bear Lake. There were years where the polar bear donned sunglasses and a painted swimsuit in the summer or a scarf to ward off the winter cold but this year he is just bare.

For nearly half of a century, the giant bear has towered over cars enticing buyers and delighting youngsters. As toddlers, my own kids loved to pass the bear as we traveled up from North St. Paul to Forest Lake. From time to time we still take the slower route up Hwy 61 when returning from Maplewood Mall or my Keller Williams Real Estate office in Vadnais Heights. It is always fun to pass by and wave at the huge bear!


Other Uniquely Minnesota Artful Distractions:
If you are buying, selling or relocating to Minnesota and need help from a professional Realtor, give me a call or visit my website for a FREE Relocation Packet. I specialize in acreage and lakeshore properties in the north and east Twin Cities metro area including Ham Lake, Lino Lakes and all communities in the Forest Lake School District! Serving Anoka, Chisago, Ramsey and Washington Counties in Minnesota.

Copyright 2007 www.terieckholm.com