Wimpy Winter Weather Makes it a GREAT Time to Trim Oaks!

We are currently being blessed (or cursed if you are a snow-lover) with a wimpy winter by Minnesota standards. The early season abundance of snow...way back in November has now dwindled to a pretty low amount of snow cover. This means most roofs are not sporting 3 foot icicles and home damaging ice dams. People aren’t breaking their backs shoveling or blowing their budget on snow plowing and salt for their driveways. Yes, this wimpy winter has been a blessing in many regards.

  Another perk of the lack of snow cover means that it will be easier to trim your oak trees this winter. Oak wilt is devastating to trees in Anoka, Washington and Chisago counties as massive oaks are destroyed when this disease spreads. Smart landscaping and maintenance requires you trim oaks in the winter months—before April in Minnesota. Now is the perfect time to avoid exposure to this tree-killing disease and without the normal ice and snow of a Minnesota winter it will be much easier to maneuver ladders and equipment to reach trees on acreage properties.

Oak Wilt Devastates Acreage Several years ago I shared photos of a property in a Ham Lake community where the owners had endured oak wilt on their acreage property for several years. Sadly they did not tackle the issue head-on and in one summer alone, lost approximately a dozen trees. (Read Oak Wilt—A Minnesota Tragedy) While the beautiful grove of mature oak trees is now a memory, the current property owners took the initiative to save the remaining oaks. With treatment and proper care,the remaining oaks have been disease free.

Oak wilt is not just a problem in Ham Lake and Anoka County. It is prevalent in communities from Columbus to Lino Lakes and Forest Lake to Scandia. Whether you live in Anoka, Chisago or Washington County, if you have oaks on your property, you need to take precautions to protect them from this deadly tree-killing disease.

What is Oak Wilt?

Oak wilt is a disease caused by a fungus which attacks the central system of the tree from the roots to leaves.  When the tree attempts to block the fungus, it also blocks all water and nutrients to the branches and leaves. The leaves then wilt, brown and eventually, the tree dies.

Oak wilt spreads through the root systems of near by infected trees and by fungus beetles that carry the oak wilt spores from tree to tree.

How to Protect Your Trees

Keep oaks trimmed and healthy. Trim large mature oaks now as January/February are excellent months to prune oak trees.  If you have your large oaks trimmed now it is a preventative to spring storm damage when heavy, dead branches can fall during tornadoes or straight line winds.

The fungus beetles infect trees that have been recently injured or trimmed. These beetles are very active in the spring and summer months but not active at all during the winter. Oaks should be protected from damage and not trimmed from April through July.

Tree trimming of mature oaks is best left to professionals especially near the power lines. The trimmer should use a bucket truck or a line/pulley system, NOT spiked climbing boots which can damage the tree.

Selling a Home with Oak Wilt?

Be honest and disclose!  A seller think it is acceptable to cut down a diseased tree and not mention this when selling their home. This is not only unethical it could cause expensive legal problems after the sale. Even if a seller doesn’t say anything about oak wilt infected trees that were removed prior to listing the home, most neighbors will inform a new homeowner at some point. 

Cutting down a diseased tree does not prevent the spread of oak wilt. It is likely other trees are infected. If more trees die and the buyer was not properly informed, the seller could be in a legal battle. Bottom line: There is a question regarding diseased trees on the Minnesota Sellers’ Disclosure Form. Fill it out honestly. It is never a good idea to not tell the whole truth on a property disclosure form.  

READY TO MAKE A MOVE? Let me be your professional guide. If you are buying, selling or relocating to Minnesota and need help from a professional REALTOR®, give me, Teri Eckholm of Boardman Realty, a call or visit my website for a FREE Home Buyer Success Guide or FREE Home Value Report. 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 2015 www.terieckholm.com

Walking the Summer Fields to Sell Minnesota Acreage

The acreage throughout Anoka, Chisago and Washington Counties in Minnesota is beautiful in the springtime. I especially love the surprising wild flowers that will appear along with the prairie grass in the fields. Walking through the fields reminds me of a situation from a few years ago. A couple contacted me as part of an interviewing  process to find a new real estate agent for their acreage home in Columbus. It had been unsuccessfully under contract for over a year but the listing was expiring and they need fresh eyes. As part of my job as an acreage REALTOR®, I walked with the husband around the house, through the barn and looked out the barn’s backdoor at the 30+ acres of woods and natural wetland. Looking out the backdoor of the barn, I inquired about a possible trail that would allow buyers to view the perimeter of the land. He confirmed that there was a path but seemed surprised I asked about it.

Evidently, the other REALTOR® didn’t consider the land worth viewing. The seller said, “The previous agent never stepped one foot further beyond where you are standing now to see the land. I don’t think he wanted to get his shoes dirty.”

I was taken aback. How do you sell a home on acreage without walking the land to see what you are selling? I am certain most buyers would request to take a walk before purchasing too. It was no surprise to me that the home had not yet sold.

Selling a home on acreage does take a bit of extra effort. There is research and work involved. From ascertaining that the septic system is in compliance to understanding what a Minnesota unique well number is and where to find it, there are quite a few details that need to be reviewed when a home with significant acreage is listed. Preparing the exterior is kind of like staging the inside of the home. Marking a trail for the potential buyer to follow is crucial for the buyer to fall in love with the entire property. A significant portion of an acreage home’s total value is often tied up in the value of the land. Buyers need to be able to safely walk the land, in order for the home to sell.

The sellers and I hit it off and I did list that house. When I came to take photos not only did I take the basic interior and exterior shots, I took additional time and walked the land with the seller. (Yes, my shoes did get a bit dirty but it is all part of the job!) During the tour of the land, I took photographs that showed the appeal of the acreage even though a significant portion was wetland. The owner pointed out landmarks and details that would potential buyers would want to know about the property. I took photos from various points along the path. Interestingly, many of the buyers who called me directly to see the listing also walked the land with me and remarked that they remembered the shots as ones they saw on the internet. These pictures were important as they created excitement about the property and were photos that could never have been seen from the front curb or back door of the barn.

The home was sold, but not to a buyer that I brought through the home and property. I did walk the land with several parties before an offer came in.  Another REALTOR® wrote up an acceptable offer after taking his buyer along the mapped and marked trail through the acreage. Whether selling a couple of acres or several dozen, preparation is the key to a successful sale of Minnesota acreage!
 
Selling Acreage? Let me walk the land with you and get it SOLD!If you are buying, selling or relocating to Minnesota and need help from a professional REALTOR®, give me, Teri Eckholm of Boardman Realty, a call or visit my website for a FREE Home Buyer Success Guide or FREE Home Value Report. 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 2014 www.terieckholm.com

Real Estate Word of the Day--Septic System

Buying a home is often a once or twice in a lifetime experience. There are often lots of things to learn. Buying a home on acreage has it's own set of unique terms that the average city-dweller might not have heard before. 

From time to time I am surprised that a simple term I use everyday as a REALTOR® is like a foreign language to some home buyers. It is not unusual to see a glazed look come into a buyer’s eyes when I talked about escrow or earnest money but also when I mention well water, septic systems and compliance tests. The confusion is totally understandable because most home buyers do not buy houses on acreage everyday.

There are so many terms that could possibly confuse a home buyer that I thought an online glossary of real estate terms might be helpful. So I am continuing my series of posts for the first time homebuyer with explanations of the most often used (and sometimes confusing) real estate terms. This way you can skip buying that big “how to buy a house” book or attending that First Time Home Buyer Class and have a quick resource at your fingertips. Today’s Real Estate Term is:

Septic System—If a home is not connected to a public sewer, there will be a private system that will hold and/or process the waste called a septic system. There are several types of systems. They can be a holding tank where all the waste must be pumped out or a tank that releases the waste water back into the environment via a drain field or mound. A private septic system can be owned by the individual property owner or shared by a number of homes. 

It is important to know what type of septic system is on a property. All systems will require maintenance but the type of system, indicates to a buyer how often the maintenance will have to take place and how much it will cost. Shared systems usually are part of an association where fees are collected on a periodic basis to pay for pumping out and maintaining the sewage system. 

It is also important to understand what can and cannot go into a private sewer system in order to keep it in the best condition possible. The cost to replace a private septic system can be in the tens of thousands of dollars. Proper maintenance and care can extend the life of the system by many years.  For additional information check out the University of Minnesota Extension Service's guide to Understanding Your Septic System.

 

Copyright 2014 www.terieckholm.com

Tips for Buying a Foreclosure on Minnesota Acreage

Even as prices rose in the Minneapolis/St. Paul metro this spring and summer, there were still deals to be had on Minnesota Acreage. There are dozens acreage homes that currently listed  throughout the north and eastern suburbs of the Minneapolis/St. Paul area. Not all are foreclosures or short sales either. But if you do decided to attempt to purchase a distressed property, you need to be aware it has vast differences than buying from a more traditional seller. For instance, when buying a bank-owned property most buyers are required to waive their right to a seller’s disclosure. This actually does make sense since no one at the bank actually lived at the home and can properly complete the disclosure. In fact, it is doubtful that anyone at the bank has ever set foot on the property. So when buying a foreclosure on acreage, what other things need to be considered to protect yourself?

**Ask for a Compliance Test for the Septic System.

 

Most rural homes have a private septic system to handle sewage and waste water. Not all systems are created equal. They are designed for the specific property and size of the home. Even a new septic system can fail if not properly maintained. How do you know if the septic system is working? Ask the bank to have a third party inspect the system and  supply a report of compliance. This MUST be written into your purchase agreement as a contingency of purchase. (i.e. Sale is contingent on the buyer reviewing a current compliance certification for the septic system.) Be aware however that often times a bank will say the testing is the responsibility of the buyer. This testing can cost several hundred dollars. But replacing a failing septic will cost thousands!

If you have never lived on a home with a septic system, it is important to educate yourself on how to best maintain your system. Additional information on Septic Systems.

**Well Disclosure is Mandated by State Law

 

In Minnesota, well disclosure is mandated by state law as a part of the Ground Water Protection Act. A seller, even if it is a bank, must provide information on the location and status of all wells on a property at the time of sale. If this information is known and not provided, the buyer has 6 years in which to file a claim against the seller. If you chose to waive your rights when buying a foreclosure AS-IS and it is a large acreage parcel of land, it is a good idea to visit the MN Dept of Health webpage on Finding Abandoned Wells prior to purchase. Abandoned wells can be very expensive to seal properly. Improper sealing is not only illegal, it can be detrimental to the ground water. Additional information on Private Wells.

**Are there any underground fuel tanks?

Often people looking at acreage for the first time will have questions about the huge propaneMinnesota State Fire Marshal as well as the Minnesota Pollution Control Agency.
fuel tank located near the home. These tanks are usually only seen in the city at gas stations where homeowners fill their small propane tanks for the weekend BBQ. In the country, the large tanks are in many backyards as the source of fuel to heat the home and run appliances. But what if there is no visible tank? Don’t immediately assume the home is heated with natural gas. Homes on large acreage are rarely heated with natural gas as the cost of bringing the gas line to the home can be cost prohibitive. Check for underground fuel tanks or an fuel oil tank in the basement. Even if there is a propane tank visible, there could be an old fuel tank on the property either above or underground. The removal of underground fuel storage tanks can be dangerous and is regulated by the

**Check the Trees! 

Buying a home AS-IS also applies to the landscaping. If there are dead trees on the property, it would be a good idea to assess them to see if they died due to a disease. The big three in Minnesota are oak wilt, Dutch elm and the Emerald Ash Borer.

Not every question about buying an acreage property is unique to bank-owned homes. CLICK HERE for more answers to common questions buyers have when purchasing a home on Minnesota acreage. Also, keep in mind to consider all options. Many buyers have found after weighing all the pros and cons that the best deal on a home with acreage may not be a foreclosure or short sale!

   
Copyright 2013 www.terieckholm.com

Trim Oaks NOW in the Frosty Winter Months to Prevent Oak Wilt!

It's going to be crazy cold this weekend...You know what I mean. That bone-chilling, below zero for a high, weather love to hate. We love boasting how tough we are as Minnesotans who can endure temps that can turn and ordinary banana into a hammer in a matter of minutes. But we hate having to be out in it ourselves for any length of time. Good think these temps really only show up every few years. The ice fishermen and Winter Carnival people are going to love it though.

One thin that these cold January temperatures are perfect for is trimming oak trees! You heard me...trimming an old in the winter is the BEST time. It prevents the spread of oak wilt because the beetles are dormant in the cold weather. By spring, when these devastating creatures become active again, the cuts where branches were trimmed will have healed.

Oak wilt is devastating to trees in Anoka and Chisago counties as massive oaks are destroyed when this disease spreads. Smart landscaping and maintenance requires you trim oaks in the winter months—before April in Minnesota. Now in this frosty January weather, it is the perfect time to avoid exposure to this tree-killing disease.

Oak Wilt Devastates Acreage A few years back I shared photos of a property that is in my own Ham Lake neighborhood where the owners had dealt with oak wilt on their acreage property for several years. Or, more accurately, they ignored it until the city red-tagged the trees every at the end of the summer. In one season alone, this property lost nearly a dozen trees. (Read Oak Wilt—A Minnesota Tragedy) While the beautiful thicket of mature oak trees is now long gone, I am very happy that the new  property owners took the initiative to save the remaining oaks. With treatment and proper care, they have lost only one small tree in the past several years.

Oak wilt is not just a problem in Ham Lake and Anoka County. It is prevalent in communities from Columbus to Lino Lakes and Forest Lake to North Branch, Scandia and Linwood. Whether you live in Anoka, Chisago or Washington County, if you have oaks on your property, you need to take precautions to protect them from this deadly tree-killing disease.

What is Oak Wilt?

Oak wilt is a disease caused by a fungus which attacks the central system of the tree from the roots to leaves.  When the tree attempts to block the fungus, it also blocks all water and nutrients to the branches and leaves. The leaves then wilt, brown and eventually, the tree dies.

Oak wilt spreads through the root systems of near by infected trees and by fungus beetles that carry the oak wilt spores from tree to tree. For additional information on oak wilt from the University of MN Extention Service

How to Protect Your Trees

Keep oaks trimmed and healthy. Trim large mature oaks now as January/February are excellent months to prune oak trees.  If you have your large oaks trimmed now it is a preventative to spring storm damage when heavy, dead branches can fall during tornadoes or straight line winds.

The fungus beetles infect trees that have been recently injured or trimmed. These beetles are very active in the spring and summer months but not active at all during the winter. Oaks should be protected from damage and not trimmed from April through July.

Tree trimming of mature oaks is best left to professionals especially near the power lines. The trimmer should use a bucket truck or a line/pulley system, NOT spiked climbing boots which can be damaging to the tree.

Selling a Home with Oak Wilt?

Be honest and disclose!  A seller might be tempted to cut down a diseased tree and not say a word to a new buyer. This is not only unethical it could cause expensive legal problems after the sale. Even if a seller doesn’t say anything about oak wilt infected trees that were removed prior to listing the home, most neighbors will. Cutting a tree diseased tree does not prevent the spread of oak wilt. It is likely other trees are infected. If more trees die and the buyers were not properly informed, the seller could be in a legal battle with an irate buyer. Bottom line: There is a question regarding diseased trees on the Minnesota Sellers’ Disclosure Form. Fill it out honestly and be prepared to remove the diseased trees properly and safely, if asked. It is never a good idea to not tell the whole truth on the property disclosure form.  

 

Copyright 2013 www.terieckholm.com

Tips for Buying a Foreclosed Home on Minnesota Acreage

Though prices are starting to edge upward in the Minneapolis/St Paul metro area, current prices on acreage properties in the north and east metro are still extremely attractive. Throughout Anoka County, Chisago County and northern Washington County there many homes on large and small acreage that are quite affordable. However, buying a foreclosure is different than buying a  home from a more traditional seller. The biggest difference when buying a bank-owned property is that buyers almost always required to waive their right to a seller’s disclosure. This actually does make sense since no one at the bank actually lived at the home and can properly complete the disclosure. In fact, it is doubtful that anyone at the bank has ever set foot on the property or even the state of Minnesota for that matter. So when buying a foreclosure on acreage, what other things need to be considered to protect yourself and do your due diligence?

**Ask for a Compliance Test for the Septic System.

 

Most rural homes have a private septic system to handle sewage and waste water. Not all systems are created equal. They are designed for the specific property and size of the home. Even a new septic system can fail if not properly maintained. How do you know if the septic system is working? Ask the bank to have a third party inspect the system and  supply a report of compliance. This MUST be written into your purchase agreement as a contingency of purchase. (i.e. Sale is contingent on the buyer reviewing a current compliance certification for the septic system.) Some banks will not do this test, so be prepared to pay for a compliance test yourself or assume the cost associated with any potential septic failure in the future.

If you have never lived on a home with a septic system, it is important to educate yourself on how to best maintain your system. Additional information on Septic Systems.

**Well Disclosure is Mandated by State Law

 

In Minnesota, well disclosure is mandated by state law as a part of the Ground Water Protection Act. A seller, yes even a bank, must provide information on the location and status of all wells on a property at the time of sale. If this information is known and not provided, the buyer has 6 years in which to file a claim against the seller.

If you chose to waive your rights to disclosures when buying a foreclosure AS-IS and it is a large acreage parcel of land, it is a good idea to visit the MN Dept of Health webpage on Finding Abandoned Wells prior to purchase. Abandoned wells can be very expensive to seal properly. Improper sealing is not only illegal, it can be detrimental to the ground water. 

**Are there any underground fuel tanks?

Often people looking at acreage for the first time will have questions about the huge propane fuel tank located near the home. These tanks are usually only seen in the city at gas stations where homeowners fill their small propane tanks for the weekend BBQ. In the country, the large tanks are in many backyards as the source of fuel to heat the home and run appliances.

But what if there is no visible tank?  Could there be an underground fuel tank somewhere on the property?

Don’t immediately assume the home is heated with natural gas. Homes on large acreage are rarely heated with natural gas as the cost of bringing the gas line to the home can be cost prohibitive. Check for underground fuel tanks. Even if there is a propane tank visible, there could be still be an old fuel tank on the property either above or underground. While this is a required disclosure by a traditional seller, a bank will not know whether there is an underground tank or not. The removal of underground fuel storage tanks can be expensive and dangerous. The removal procedure is regulated by the Minnesota State Fire Marshal as well as the Minnesota Pollution Control Agency.  

**Check the Trees! 

Buying a home AS-IS also applies to the landscaping. If there are dead trees on the property, it would be a good idea to assess them to see if they died due to a disease. Many times the value of the acreage is in the mature trees surrounding the home but there are several diseases and parasites that can wipe out acreage landscaping. The big three to be concerned with in Minnesota are oak wilt, Dutch elm and the Emerald Ash Borer.

Copyright 2012 www.terieckholm.com

Our Wimpy Winter is the PERFECT Time to Trim Your Oaks!

Are you totally loving the lack of snow this very wimpy Minnesota winter has brought us so far? We have been blessed this winter with a lack of snow (or cursed if you are into snowmobiling and/or cross country skiing). Our roughly 15 inches of snow has meant that roofs are not sporting 3 foot icicles and there is parking on both sides of city streets. People aren’t breaking their backs shoveling or wallets paying for a new snow blower if the old one stops running. Yes, this wimpy winter is a blessing in many regards.

A less though of perk of the lack of snow cover means that it will be easier to trim your oak trees this winter. Oak wilt is devastating to trees in Anoka and Chisago counties as massive oaks are destroyed when this disease spreads. Smart landscaping and maintenance requires you trim oaks in the winter months—before April in Minnesota. Now is the perfect time to avoid exposure to this tree-killing disease and without the normal ice and snow of a Minnesota winter it will be much easier to maneuver ladders and equipment to reach trees on acreage properties.

Oak Wilt Devastates Acreage A few years ago I shared photos of a property in a Ham Lake community where the owners had dealt with oak wilt on their acreage property for several years. Or, more accurately, they chose not to deal with it.  In one summer alone, this property lost nearly a dozen trees. (Read Oak Wilt—A Minnesota Tragedy) While the beautiful thicket of mature oak trees is now a memory, new  property owners took the initiative to save the remaining oaks. I am happy to report that with treatment and proper care, they have lost only one small tree in the past five years.

Oak wilt is not just a problem in Ham Lake and Anoka County. It is prevalent in communities from Columbus to Lino Lakes and Forest Lake to Scandia. Whether you live in Anoka, Chisago or Washington County, if you have oaks on your property, you need to take precautions to protect them from this deadly tree-killing disease.

What is Oak Wilt?

Oak wilt is a disease caused by a fungus which attacks the central system of the tree from the roots to leaves.  When the tree attempts to block the fungus, it also blocks all water and nutrients to the branches and leaves. The leaves then wilt, brown and eventually, the tree dies.

Oak wilt spreads through the root systems of near by infected trees and by fungus beetles that carry the oak wilt spores from tree to tree. For additional information on oak wilt from the University of MN Extention Service CLICK HERE.

How to Protect Your Trees

Keep oaks trimmed and healthy. Trim large mature oaks now as January/February are excellent months to prune oak trees.  If you have your large oaks trimmed now it is a preventative to spring storm damage when heavy, dead branches can fall during tornados or straight line winds.

The fungus beetles infect trees that have been recently injured or trimmed. These beetles are very active in the spring and summer months but not active at all during the winter. Oaks should be protected from damage and not trimmed from April through July.

Tree trimming of mature oaks is best left to professionals especially near the power lines. The trimmer should use a bucket truck or a line/pulley system, NOT spiked climbing boots which can damage the tree.

Selling a Home with Oak Wilt?

Be honest and disclose!  A seller might be tempted to cut down a diseased tree and not say a word to a new buyer. This is not only unethical it could cause expensive legal problems after the sale. Even if a seller doesn’t say anything about oak wilt infected trees that were removed prior to listing the home, most neighbors will. Cutting a tree diseased tree does not prevent the spread of oak wilt. It is likely other trees are infected. If more trees die and the buyers were not properly informed, the seller could be in a legal battle with an irate buyer. Bottom line: There is a question regarding diseased trees on the Minnesota Sellers’ Disclosure Form. Fill it out honestly and be prepared to remove the diseased trees properly and safely, if asked. It is never a good idea to not tell the whole truth on the property disclosure form. 

If you are buying, selling or relocating to Minnesota and need help from a professional REALTOR®, give me, Teri Eckholm of RE/MAX Specialists, a call or visit my website for a FREE Relocation Packet or Homebuyers Success 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 2012 www.terieckholm.com

Buying a Home Soon? A Good Credit Score Will Save You MONEY!

Thinking of  buying  a house soon? You know you your credit report and FICO Score will affect your new home purchase, but did you ever think of how much an affect it has? I was reading an article by a fellow REALTOR® today who pointed out that a 20-40 point lower credit score will mean you will be paying quite a bit more in closing costs than someone who's FICO score is a bit higher. That is SERIOUS money out of your pocket!

When buying a first home, it is imperative to keep your closing costs as low as possible. That way you can have money in reserve for any repairs, updates and expenses that will come with home ownership. Being aware of your credit score and how it affects the cost of a loan could save you thousands.

Copyright 2011 www.terieckholm.com

Buying a Foreclosed Home on Minnesota Acreage

The current prices on Minnesota Acreage are nothing short of astounding. There dozens acreage homes that are currently available throughout the north and eastern suburbs of the Minneapolis/St. Paul area. However, buying a foreclosure is different than buying from a more traditional seller. The biggest difference when buying a bank-owned property is that buyers are required to waive their right to a seller’s disclosure. This actually does make sense since no one at the bank actually lived at the home and can properly complete the disclosure. In fact, it is doubtful that anyone at the bank has ever set foot on the property. So when buying a foreclosure on acreage, what other things need to be considered to protect yourself?

**Ask for a Compliance Test for the Septic System.

 

Most rural homes have a private septic system to handle sewage and waste water. Not all systems are created equal. They are designed for the specific property and size of the home. Even a new septic system can fail if not properly maintained. How do you know if the septic system is working? Ask the bank to have a third party inspect the system and  supply a report of compliance. This MUST be written into your purchase agreement as a contingency of purchase. (i.e. Sale is contingent on the buyer reviewing a current compliance certification for the septic system.)

If you have never lived on a home with a septic system, it is important to educate yourself on how to best maintain your system. Additional information on Septic Systems.

**Well Disclosure is Mandated by State Law

 

In Minnesota, well disclosure is mandated by state law as a part of the Ground Water Protection Act. A seller must provide information on the location and status of all wells on a property at the time of sale. If this information is known and not provided, the buyer has 6 years in which to file a claim against the seller. If you chose to waive your rights when buying a foreclosure AS-IS and it is a large acreage parcel of land, it is a good idea to visit the MN Dept of Health webpage on Finding Abandoned Wells prior to purchase. Abandoned wells can be very expensive to seal properly. Improper sealing is not only illegal, it can be detrimental to the ground water. Additional information on Private Wells.

**Are there any underground fuel tanks?

Often people looking at acreage for the first time will have questions about the huge propane fuel tank located near the home. These tanks are usually only seen in the city at gas stations where homeowners fill their small propane tanks for the weekend BBQ. In the country, the large tanks are in many backyards as the source of fuel to heat the home and run appliances. But what if there is no visible tank? Don’t immediately assume the home is heated with natural gas. Homes on large acreage are rarely heated with natural gas as the cost of bringing the gas line to the home can be cost prohibitive. Check for underground fuel tanks. Even if there is a propane tank visible, there could be an old fuel tank on the property either above or underground. The removal of underground fuel storage tanks can be dangerous and is regulated by the Minnesota State Fire Marshal as well as the Minnesota Pollution Control Agency.  

**Check the Trees! 

Buying a home AS-IS also applies to the landscaping. If there are dead trees on the property, it would be a good idea to assess them to see if they died due to a disease. The big three in Minnesota are oak wilt, Dutch elm and the Emerald Ash Borer.

Copyright 2011www.terieckholm.com

Molehills into Mountains on Minnesota Acreage

Ever hear the saying, "You are making a mountain out of a molehill?" It is used when someone is making a big deal out of trivial issue. BUT if you are trying to sell your home and a mole make a hill in your yard, it's not so trivial! Especially if you have spent thousands on landscaping for your property. Their destructive activity could cause concern to any lawn-loving Minnesotan and potential home buyer.

Pocket gophers, along with their little mole friends, are the bane of the countryside. These small little rodents cause serious damage to lawns and landscaping across Anoka County. Pocket gophers leave huge dirt mounds above ground and their runs will crisscross around your yard deep beneath the earth. Moles and Vole trails are the windy runs just below the surface of your lawn. There have been years where the ones in my yard look similar to an aerial view of "spaghetti junction" where 35E and 694!

Spring is a busy reproductive time for these little pesky creatures. As the ground thaws, homeowners the activity is going to begin. Gophers, moles and voles can have several litters in a season. If you do not want your yard overrun with dirt mounds and the dead damaged trails on your lawn all summer, it is best to address the pocket gopher/mole problem in early spring when the snow finally melts and the ground thaws.As a REALTOR® working throughout the Twin Cities north metro, I know that buyers from the city often become concerned when they see several huge dirt piles in a seller's front yard. It seems that these creatures have a knack for knowing when a home is put on the market and choose that time to dig a huge molehill. I have had several frantic sellers call the day after they have listed with their first ever gopher mound in their yard.

Similarly, when walking a property, buyers will from time to time stumble as the ground sinks beneath them when they discover a newly dug mole or vole trail. It can be a huge concern to a home buyer as these trails tend to ruin the sod and other landscaping.

Whether you are a buyer, seller or someone who owns a home on acreage, maintaining your landscape is paramount. Here are ideas to eliminate the mounds and trails from your yard.

How to get rid of moles, voles or pocket gophers:

1. Get rid of their food supply. Pocket gophers eat grub worms that live in the dirt. If you chemically treat your lawn to kill the grub worms, the pocket gophers move on. Usually to your neighbors' yard.
   
2. Mole repellents can also be used to change the taste of the grub worms. This can be purchased at a store or you can mix your own. One cup of dish soap, one ounce of Castor oil and ¼ cup of cayenne pepper mixed together and spread with a garden sprayer should do the trick. Of course this method again just moves the pests to your neighbors' yard.
3. Ultrasonic Devices. I had a client who had some success with this method last year. The high pitched sound emitted by the unit is designed to sound like another gopher. Since these are territorial animals, they move on. Again, probably to your neighbors' yard.
4. Use a poison for gophers and moles. This is effective but if you have pets or children, there are risks. Your pet could dig up the poison or the poisoned gopher and become ill or die.
5. Set underground traps. This is an effective method with results that you can see. The wire traps are set underground in near the gopher mound. When a gopher moves through the burrow, he is killed in the trap.

If you are buying, selling or relocating to Minnesota and need help from a professional REALTOR®, give me, Teri Eckholm of RE/MAX Specialists, a call or visit my website for a FREE Relocation Packet or Homebuyers Success 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 2015 www.terieckholm.com

Beware of Dangers Lurking in the Underbrush on Minnesota Acreage!

Anoka, Chisago, and Washington Counties in Minnesota boast some of the most beautiful, desirable acreage properties in the state. As a REALTOR® in the Columbus, Ham Lake, Forest Lake and Lino Lakes area, I have to walk acres with my home buyers to assess the land. I walk the perimeter of properties with potential acreage sellers to understand the property lines. Whenever showing homes on Minnesota acreage, I am prepared. There are dangers lurking in the underbrush.

Poison Ivy--Be aware and on the look out for these poisonous plants as they are all over in Minnesota yards and wooded areas. Many property owners don't even realize the plants are poison ivy. Poison ivy is found all over the US while a close relative poison oak is found most often in the west. The plants to have a similar look and exposure to either of these plants will cause a similar, painfully itchy reaction.

Poison Ivy in Summer

• Classic poison ivy is in full swing
• Some leaves are notched and some are not
• New leaves are shiny and still somewhat reddish
• Older leaves are duller in color

Photo courtesy of http://www.poison-ivy.org/
Poison ivy can be a ground cover, a vine or a bush. One small neglected patch can spread very quickly to a huge area. Exposure to this plant is an itchy nightmare that can last for several weeks unless treated with prescription medicines, usually steroids. These plants can leave oil on clothing which can spread in the laundry. Be aware of this hazard when walking in any wooded area that you are unfamiliar with.
Think you know what poison ivy looks like? Take a quick poison ivy PHOTO QUIZ
Wood Ticks/Deer Ticks—While the woods are often a haven for white-tailed deer, the beauty of these animals is overshadowed by a frightening reality. Deer ticks are carriers of Lyme disease; a painful disease that can be quite debilitating if untreated. Deer ticks (or Blacklegged ticks) are rarely found in maintained yards and are very tiny and often not noticed even after having bitten a host. The best defense is prevention of a deer tick bite.

• Dress Appropriately—When walking acreage with underbrush or on property that has not been maintained, wear long sleeves and tuck in pant legs. Hats are a good idea to keep ticks out of your hair and off your head!
  
• Use Bug Spray—Effective repellents include DEET and Permanone. Spray clothing with Permanone repellent prior to wearing as it is not to be sprayed directly on the skin. DEET can be used on clothing and/or skin.

For additional information on ticks commonly found in Minnesota, read article “Ticks and Their Control”, by Jeffery D. Hahn

Of course ticks aren’t the only biting critters on acreage. If walking an acreage property in the evening or near a lake or wetland, I am prepared to ward off mosquitoes, deer flies and no-see-ems too. Luckily, the advice for ticks, a good bug spray with DEET, a hat and long sleeves, works to a keep bites from these pests to a minimum as well.


Copyright 2010 Teri Eckholm 

Considering a Move to a MN Hobby Farm or Acreage? Important Considerations for Homebuyers!

Over a decade ago out family came across a home being renovated on just under 3 acres in the country. It was a bit of a drive from North St. Paul and Maplewood, the quiet little suburbs where we had spent most of our lives. But there was something intriguing about the beautiful landscape with dozens of towering oaks and pines. We loved the idea that our two boys who were just starting school at the time could play hide and seek and ride their bikes right in our own yard. We made the leap without considering all of the differences that faces us switching from a city to a rural life.

Now as a REALTOR® in the north metro, I show homes to other families looking for the same escape from the city that we sought years ago. I notice that the same questions continue to come up whether considering a hobby farm in Columbus, an acreage lakeshore home in East Bethel, a horse property in Scandia or an executive estate in Ham Lake. Though the properties that are being considered are only 15-20 miles from the nightlife of downtown Minneapolis, there are significant differences in the way of life out in the country. Here are some important questions and considerations that face my clients as they make their move from the city to the acreage in Anoka and Chisago Counties.

**Does the home have a Septic or Private Sewer system?

Most rural homes have a private septic system. Not all systems are created equal. They are designed for the specific property and size of the home. Even a new septic system can fail if not properly maintained. How do you know if the septic system is working? Is there a required inspection at the point of sale? Not all rural communities will require a septic inspection. Some like Wyoming and Columbus do for every sale, some like East Bethel only require if you are near a lake or river but others have no point of sale inspection requirement for the septic. To protect your interests when buying an acreage homes with a septic system, require the seller to supply a report of compliance from a certified septic inspector in your purchase agreement. If you have never lived on a home with a septic system, it is important to educate yourself on how to best maintain your system. Additional information on Septic Systems.

**Does the home have access to city water or a private well? Do I need a water softener or other water treatment system?

Families new to the concept of well water have many questions regarding its safety. Traditionally, well water is tested for bacteria and nitrates at the time of sale by the seller. A lead test for well water is required only for FHA loans. If you want the well test for your property to include other contaminants, it must be specified in the purchase agreement. Annual water testing is recommended for all home owners with wells. Additional information on Private Wells and how to locate your MN Unique Well Number.

One question often asked by home buyers considering a property with a private well is about water treatment options available. Many homes with private wells have water softeners to treat the water in the home. Some will go one step further and have a reverse osmosis water treatment system in the kitchens as a drinking water supply.
**Is there a natural gas supply to the home or will a propane tank be located on the property?

Often people looking at acreage will have questions about the huge propane fuel tank located near the home. These tanks are usually see only at gas stations where homeowners fill their small propane tanks for the weekend BBQ. In the country, the large tanks are in many backyards as the source of fuel to heat the home and run appliances. As a fuel source the differences are not noticeable. Propane is the least expensive cleanest fuel if a home does not have access to natural gas.

**Does the home have access to cable or high speed internet or will a satellite connection be required? Can I get high speed internet through the phone line? Does the property have cable access? What are the alternatives if DSL is not available through the phone or cable lines?
A decade ago, these were not questions that few people cared about in the rural communities. Today our interconnected world brings these questions to the forefront. Believe it or not, there are still many homes in Lino Lakes, Ham Lake, Forest Lake and East Bethel that do not have cable lines or high speed internet available through the phone lines. If your family lives on the internet and could not live without a high-speed connection, it is essential to find out whether a home has access. The alternative of direct satellite high speed internet is significantly more expensive.
**Is the road frontage paved? If the road is not paved, how often is it maintained by the city/county?

When our family first moved to our home to a rural area in MN, the road was not paved. We were nearly a mile down this soft, sandy dirt road. We moved in the late fall and had no idea of the extremely poor condition of the road in the April rain of spring. It was treacherous at times. The regrading was done by the city on a schedule so we would have a pot-holed road for days. Our road has been paved for years now but the memories of the rutted spring road still remain.

If you are considering acreage, remember many rural roads are not paved. Try to visit the property on several occasions and under differing conditions to determine the condition of any unpaved access roads. Talk to the city and county to understand the maintenance schedule for the road. Also be sure to ask if there are any plans to pave the road in the future and what would be assessed per property owner for the project.

**Is there wildlife?

Well maybe not lions and tigers, but we have sited bears and foxes seen near our home. We also have pheasant, hawks, bald eagles, raccoons, several varieties of squirrels and deer. A flock of a couple dozen wild turkeys have made their home in our neighborhood too. And an owl and a hawk both nest in trees in near our property. I rarely saw blue jays, cardinals or hummingbirds in the city, but in our rural home we see them on a daily basis. While exciting, the downside is sometimes the wildlife comes in. I don’t know anyone that doesn’t have an occasional field mouse enter their home.
**Is hunting allowed?
In some rural areas hunting is still allowed depending on the amount of acreage, the development restrictions and city and county rules. It was a rude awakening for us to discover our neighbors were allowed to hunt. Imagine our shock that first deer opener when the hunters came out in blaze orange to hunt in the woods next to our home. The property owner, at our request, posted the land and the hunters left. The land has since been developed but it is something everyone moving should understand before buying any acreage home. Check with the city and county for all ordinances regarding firearms.

**Where are the schools?

The public school districts in rural communities can be vast. In Forest Lake District 831 in Minnesota for example, students come from communities as far west as Ham Lake, as far south as Lino Lakes, as far east as Scandia and as far north as Stacy! It you drive from the western border to the eastern border of the district, it takes almost 45 minutes, one way! This particular school district has only one high school so your children’s best friend from school could literally live almost an hour from your home. It pays to research the school district prior to any housing decisions.

Also school alternatives can be limited. Communities in the city have dozens of private and charter school options. These options are much lower in rural areas due to the smaller population.

**Can we have a bonfire and burn all this debris?
There are strict state and local restrictions regarding burning of construction debris and yard waste. There are restrictions on the size of the fire and what can be burned. Many construction materials cannot be burned because they release chemicals into the air that pose an environmental hazard. There are times of the year where burning is only allowed by permit and sometimes not at all. Before burning it is best to check the local restrictions as well as the DNR.
**Where do we shop? How far to the nearest corner store, gas station, shopping center and mall?
Depending on how often you like to shop, this may or may not be a big concern. But it is always nice to know how far you will have to go for a gallon of milk for breakfast or a gallon of gas for the lawn mower.
**How long does it take to cut the grass?
If your yard is over an acre with few trees, you might consider a lawn tractor. Many people on acreage only cut certain areas leaving the rest to grow to a natural prairie. Another consideration would be whether or not to install an irrigation system for the sod near the home.**Wow! There are a lot of trees! Do I have to worry about oak wilt?Oak wilt is a big concern in Anoka and Chisago counties. Many of the communities have information and programs to help protect and save the oak trees from this disease.
**What about emergencies? How far to the nearest hospital? Where is the nearest fire station? Who provides police protection?
No one wants to think about these things when moving but accidents and illnesses do happen. It was a long hour drive to Children’s Hospital in St. Paul when son fell and needed stitches in his upper lip. If the nearest fire station is staffed with volunteers and over five miles away, it will seem like a lifetime during those 5-10 minutes while you wait for the fire truck to show up to YOUR home. Many rural communities do not have police officers but are patrolled by the county sheriff’s department. Understand your options before an emergency occurs because it will likely take a bit longer if you are in a rural area.

With a little planning your move to a home on acreage can be a great one!




Copyright 2010 Teri Eckholm

Dropping Calls at Home? Raving about AIRAVE in Ham Lake MN!

Sometimes living in “the sticks” can be frustrating. The area of Ham Lake where we live (near Carlos Avery and Coon Lake is a virtual dead zone for most cell phone service. When we moved here years ago, few people had cell phones or needed to be so “connected”. But as a REALTOR®, it is very difficult to keep in contact with buyers and sellers when you have poor cell phone service. And I have noticed that I am not the only one that finds a good connection on the MUST HAVE list for a home either. I have noticed over the years of selling acreage throughout that things have changed. These days it is a common occurrence to see buyer flip out their phone in during a showing in communities like Ham Lake, Linwood, Wyoming or Columbus to see how many bars of service they will receive at a particular home.
When I switched over to Sprint from previous wireless provider about a decade ago, it was because the sale person handed me a Twin Cities coverage map that included Ham Lake. I happily headed home with my new phone but soon discovered I had NO service. I remember calling tech support and having a smart-mouthed tech quip, “What do you expect us to do? Put a tower in your yard?” Not missing a beat, I answered, “YES!” He responded that my neighbors might not be too pleased. (Actually, they would have been ecstatic as they need answer their phones at home from time to time too.)

Okay…so there is no tower in our yard. And our unenhanced service is still less than perfect but Sprint did finally come up with a solution—The AIRAVE. It’s like a mini cell tower for your home. It takes about 5 minutes to set up through your broadband connection and it really works! Now I no longer have to stand in the middle of my driveway facing east without moving to have enough of a signal to use my cell phone.

So homebuyers if you find the perfect home at the perfect price but there aren’t enough bars to make a call on your cell phone, the Sprint AIRAVE might be the perfect solution!

Copyright 2010 Teri Eckholm