Derek Sandgren - Realtor

Understanding Points, Rates and Fees

2009-02-13T08:43:00.001-08:00

A large part of buying a new home is obtaining financing for the property. Working with a good lender to ensure getting the best interest rate is very important. I have a few great lenders in the Yuba City area that I can recommend. I thought that the article below has some great information about understanding the different aspects and terms of a loan. I hope you find it useful.

Article pulled from Yahoo Real Estate:

Not only do you have to understand what type of mortgage you should choose, you have to understand the costs associated with your mortgage. All of these costs will be paid upon closing your mortgage.

Purchase Points
Purchase points, also known as a "buy-down" or "discount points," are an up-front fee paid to the lender at closing to buy-down or lower your interest rate over the life of the loan. Each point is equal to one percent of your total loan amount. If you have a $100,000 loan, one point would equal $1,000. The more points you buy, the lower your interest rate, but the more money you'll need at closing.

How do you decide whether you should buy points and if so, how many? Well, the decision should be based on how long you plan on living in your home and what you can afford to pay each month toward your mortgage. If you plan on living in your home for more than five years, it's probably a good idea to purchase points. The longer you live in your home, the more you can save on interest over the life of the loan.

Interest Rate
When you get a mortgage, you are charged an interest rate.this is the rate which the lender charges you for using their money to buy a home. It determines how much your monthly payments will be. Generally speaking, the higher the interest rate, the higher your monthly payment.

Mortgage interest rates change constantly.daily, even hourly. If you speak to a lender and are quoted a specific interest rate, that's not to say you'll necessarily get that rate when you close on your loan. Not unless you formally lock-in that rate with the lender.locking in an interest rate will guarantee you get your loan with a particular interest rate. Lenders will allow you to lock in for 15, 45 or 60 days. But the longer you lock in, the more expensive it will be, since it's more of a risk to lenders.

Fees
There are always fees associated with getting a mortgage, these fees cover the cost of processing and underwriting the loan. These fees can include charges for ensuring the title to the home is free and clear; paying for a land survey; or paying for a home appraisal which gives you the estimated value of the property (lenders require an appraisal to close on your mortgage).

Deciding which mortgage to get may depend on what each lender does because different lenders may charge different amounts. Some may charge lesser closing fees to lure you in, but may charge you a higher interest rate, which means you may pay more in the long run. But everyone has different needs.you may or may not be able to afford to pay more at closing and are willing to pay more over the long term.

Before it comes time to close, do your homework, make sure there are no hidden fees, and ask your lender lots of questions so that you understand all the costs involved with your mortgage.

*Please consult your tax advisor

First Time Buyers- Great Time to Buy

2009-02-12T12:49:00.000-08:00

I was reading the Wall Street journal today, and thought that this was a great article about first time homebuyers. Let me know what you think.

Printed in The Wall Street Journal, page D1

By MARY PILON
For years, even as her friends bought huge houses in the expensive Phoenix market, Elizabeth Child remained a renter.

But in January, the airline customer-service agent and her boyfriend closed on their first home. The three-bedroom, two-bath house, complete with granite countertops and a pool, had been listed for $340,000 in late 2007, but the couple bought it for $220,500. "Six months ago I didn't think I would own a home," says Ms. Child, 27 years old. "And now I do. It's so perfect."

Mark Peterman for The Wall Street Journal

Elizabeth Child and William McGeary were able to buy their first home after prices in Phoenix dropped sharply. The housing bust is creating a new group of winners: first-time home buyers. People who sat on the sidelines -- often watching wistfully as their friends became homeowners -- are suddenly in a position to grab some great deals. Indeed, first-time home buyers made up 41% of all buyers at the end of 2008, up from 36% in 2006, according to a recent survey from the National Association of Realtors.

The new buyers are being lured in by home prices that are down about 25% from their peak levels in mid-2006, according to the S&P/Case-Schiller Index. In some markets, prices have dropped even further -- slumping around 40% in Phoenix, Miami and Las Vegas. Lower mortgage rates have also helped make real estate more affordable, and as houses languish on the market longer, more homeowners are willing to negotiate. With Congress considering plans to sweeten a tax credit for first-time home buyers, the picture could get even brighter.

"Buyers are now coming back into those hard-hit markets to take advantage," says Lawrence Yun, chief economist for the Realtors' association. "It's a buyer's market."

Write to Mary Pilon at mary.pilon@wsj.com

Printed in The Wall Street Journal, page D1

Fannie Eases Its Investor Loan Rules

2009-02-12T09:38:00.001-08:00

To speed recovery of the housing market, Fannie Mae in March will begin purchasing and guaranteeing mortgages for borrowers carrying loans on as many as nine other properties, up from the current limit of three.
However, the number of months of reserve payments that must be held by investors will rise to six in June from two currently.

Renting vs Home Ownership

2009-02-11T16:24:00.000-08:00

Are you a Renter wondering about the benefit that can come from Home Ownership? Here’s some things to consider:

(1) Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay, and some of the costs involved in buying your home.

(2) Gains. Between 1998 and 2002, national home prices increased at an average of 5.4 percent annually. And while there’s no guarantee of appreciation, a 2001 study by the NATIONAL ASSOCIATION OF REALTORS found that a typical homeowner has approximately $50,000 of unrealized gain in a home.

(3) Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

(4) Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

(5) Predictability. Unlike rent, your mortgage payments don’t go up over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will rise.

(6) Freedom. The home is yours. You can decorate any way you want and be able to benefit from your investment for as long as you own the home.

(7) Stability. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.

To calculate whether renting or buying is the best financial option for you, use the link below to access calculator courtesy of Ginnie Mae.

Rent Vs. Buy Calculator

Virtual Tours

2009-02-08T18:31:00.000-08:00

All homes that we market receive a Virtual Tour. It is a great way to get extra market exsposure for your home.

Alternative text for browsers that do not understand IFrames.

Home sales rising in weak market

2009-02-08T18:11:00.000-08:00

Foreclosures and a three-year price plunge continue to drive a rise in home sales in the Mid-Valley and elsewhere in recession-wracked California.

Yuba and Sutter counties more than doubled the number of freestanding houses sold in December compared to a year earlier, according to a report Wednesday from MDA DataQuick of San Diego.

Eighty-five houses changed hands last month in Yuba County — down from 106 in November but well above the 40 sold in December 2007. In Sutter County, 103 houses were sold in December, up from 89 in November and 43 the previous December.

A glut of foreclosed homes has slashed median home prices in Yuba-Sutter and throughout the Central Valley, as defaults have mounted on high-risk mortgage loans that linked artificially low early payments to much larger ones later. DataQuick reported an 48 percent jump in home sales across California from a year earlier, to 38,000 houses and condominiums.

Median home prices dropped to $170,000 in Sutter County and $152,000 in Yuba County, extending a three-year tumble of sale prices from their 2005 peaks north of $300,000. Those values remain well below the statewide $249,000 median, itself down more than $150,000 over the past year.

Homes seized by banks from insolvent owners dominate the Mid-Valley market, accounting for 79.1 percent of Yuba County sales and 64.8 of those in Sutter County. Private sellers' need to compete with the "foreclosure price" have put banks in charge of price levels and kept them low, according to Lloyd Leighton, owner of Lloyd Leighton Realtors in Yuba City.

"The foreclosures are the market," he said Thursday. "Anyone who wants to be a seller in today's market has to be willing to compete with the foreclosures."

Subprime mortgages' role in the collapsing real estate market has radically shifted housing demand, steering it toward modestly sized and priced homes and away from the newer and larger houses that commanded a half-million dollars or more at the local market's peak.

Mid-Valley brokers reported stronger demand for houses smaller than 2,000 square feet and below $200,000, while late-model luxury homes continue to languish — partly because of lenders' unwillingness to extend "jumbo loans" above $417,000.

With the drying-up of easy loans — some of which effectively accepted borrowers' stated incomes on the honor system — that drove up home buying in the 2000s, buyers must rely more on federally backed loans that demand stricter proof of ability to make the monthly payments, said Sarah Becker of RE/MAX Gold in Yuba City.

"We're seeing a lot more homes bought with government loans, which are harder to obtain," said Becker. "Probably 80 percent of the offers are made (with financing from) the (Federal Home Administration) now. Three years ago, we wouldn't see even one FHA deal out of 100 offers."

California's 523,624 foreclosed homes were the most in the U.S. in 2008 and placed the Golden State third in the percentage of houses in default, behind Florida and Arizona, according to RealtyTrac Inc., another real estate research service.

SINGLE-FAMILY HOMES

Sutter County

• December: 103

• November: 89

• December 2007: 43

Yuba County

• December: 85

• November: 106

• December 2007: 40

MEDIAN HOME PRICES

Sutter County

• December: $170,000

• November: $170,000

• December 2007: $235,000

Yuba County

• December: $152,000

• November: $155,000

• December 2007: $217,000

PERCENTAGE OF SALES FROM FORECLOSURES

Sutter County

• December: 64.8

• November: 69.9

• December 2007: 44.4

Yuba County

• December: 79.1

• November: 72.6

• December 2007: 37.8

By Howard Yune/Appeal-Democrat

Selling your home

2009-02-08T17:55:00.000-08:00

Selling your home in today’s declining market is tough, that’s why you need to have an experienced team to facilitate the sale of your home. In 2008, The Sandgren Real Estate sold 67 homes in the Yuba and Sutter area. When selling your home in a declining market price is very important. Interest rates are still historically low and buyers are looking for “a good deal”. The majority of the properties on the market are bank owned properties or REO’s that are priced at or below market value in order to generate a quick sale. Pricing your home competitive with these REO’s is imperative. Condition also plays a large role in the sale of your home. Because many of the properties on the market are REO’s, buyers are used to viewing homes that need some work. A well taken care of home will often generate more interest and command a slightly higher price.

When looking for a Realtor to help sell your home, be sure to ask about their marketing strategies. While placing the home on the MLS is important, its only one facet of an experienced realtors marketing plan. Did you know that over 80% of home buyers look at the internet first for homes before doing anything else? This is why The Sandgren Real Estate group focuses our marketing effort online. All of our home listings get a professionally done Virtual Tour (Sample Virtual Tours). These virtual tours help you appreciate the beauty and important features about your home as well as move your home higher when buyers do search’s on sites such Google and Realtor.com. We also create a video of your home that’s placed on YouTube. Video provides another great medium for potential buyers to find and view your home. Here is a sample video that we have created:

1015 Martin Ct, Yuba City CA

How many other Realtors do you know that include this service as part of their standard marketing plan? When selling your home it is not only important to market your home to potential buyers, but to other Real Estate Agents in the community as well. The majority of the time, the buyer for your home will already be working with a Realtor. This is why it is imperative that the agent selling your home has a good reputation and working relationship with the other top producing Realtors. The Sandgren Real Estate Team always attends the weekly association of realtors meeting. If your home is a new to the market, it will also be placed on the Brokers Tour. This tour occurs on Tuesdays and allows other agents to walk thru your home. It is typical to get between 15 and 30 agents viewing your property in a single day and a great way to generate extra exposure to the market. You would be surprised at how many of these broker tours result in Purchase Offers for your home.

If you’re thinking of selling your home and would like to get a good idea about the value of your home or to just looking to discuss your options, please fill out the form below and we will contact you as soon as possible. You can also call us anytime, Derek (530) 844-0505 or Brian (530) 300-2420. We look forward to hearing from you.

Area foreclosures climb

2007-07-16T08:58:00.000-07:00

Area foreclosures climb

Ashley Gebb of the Appeal Democrat in Marysville reports on foreclosures in the area:

Yuba County ranked second highest in the state for the percentage of foreclosure sales last month, data shows.

ForeclosureRadar, a Discovery Bay company that tracks every auction in California, determined Yuba County had one foreclosure sale for every 2,252 residents. Company founder Sean O’Toole said the company does not analyze the reason behind the numbers, but he guessed it’s linked to a rise in growth. Counties with a lot of land for new development are more likely to have higher foreclosure rates.

Sutter County ranked sixth highest with one foreclosure sale for every 2,534 residents, and Colusa County ranked 23rd, with one foreclosure for every 7,171 residents. Nadia Artero, branch manager at Countrywide Home Loans in Yuba City, said she has noticed a large number of foreclosures in the area recently. “All you have to do is look in the newspaper every day at the notices of default,” she said.

Appeal-Democrat records show that 85 ads were taken out for notice of trustee sales in June, compared with 60 in January. Artero said a decrease in property values since October 2005 has contributed to the increase. Many people purchase homes with 100 percent financing and use adjustable-rate mortgages. The rate jumps out of their price range when it eventually changes, and people end up owing more than their homes are worth. “People can’t afford the home, can’t afford to refinance and were probably stretched just to get the home to begin with,” she said. Artero’s advice to homebuyers is to use a fixed-rate or more conservative loan. Once someone reaches foreclosure, it’s difficult to keep the home, she said. “That’s tough, really tough,” she said. “It’s an ugly time right now for a lot of people.”

ForeclosureRadar reported that foreclosures now represent 16 percent of all new and resale home sales in the state. California had 6,960 homes sold at auction in June, a 95 percent increase from January. However, there was almost no increase from May to June.
“We’ll keep our fingers crossed that it will stay that way,” O’Toole said.

Common Closing Costs for Buyers

2007-07-13T14:44:00.000-07:00

Common Closing Costs for Buyers

The lender must disclose a good faith estimate of all settlement costs. A check to cover your closing costs will probably have to be a cashier’s check. The title company or other entity conducting the closing will tell you the required amount for:

Downpayment

Loan origination fees

Points, or loan discount fees, you pay to receive a lower interest rate

Appraisal fee

Credit report

Private mortgage insurance premium

Insurance escrow for homeowners insurance, if being paid as part of the mortgage

Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.

Deed recording fees

Title insurance policy premiums

Survey

Inspection fees—building inspection, termites, etc.

Notary fees

Prorations for your share of costs, such as utility bills and property taxes

A Note About Prorations: Because such costs are usually paid on either a monthly or yearly basis, you might have to pay a bill for services used by the sellers before they moved. Proration is a way for the sellers to pay you back or for you to pay them for bills they may have paid in advance. For example, the gas company usually sends a bill each month for the gas used during the previous month. But assume you buy the home on the 6th of the month. You would owe the gas company for only the days from the 6th to the end for the month. The seller would owe for the first five days. The bill would be prorated for the number of days in the month, and then each person would be responsible for the days of his or her ownership.

5003 State Hwy 70

2007-06-18T10:18:00.000-07:00

For Sale

5003 State Hwy 70

Premium commercial land located near the corner of Hwy 20 and Marysville road. Great nine acre parcel zoned Rural Commercial with 590 feet of frontage road onto Hwy 20. Potential uses are retail establishments, automotive service stations, general offices and much more. Very high traffic count. Potential to acquire additional 40 acres of commercial property if desired. This property is just east of Browns Valley Auto, Truck and RV Performance Center.

Priced At: $600,000

View the Virtual Tour of this Property at: http://ts.rtvpix.com/tour/RC/tour.view.ltr.php?utl=RC-7584-Y1NVK7-01

To learn more about this property, please visit: www.HomesInYuba.com or www.SandgrenRE.com.

Sacramento region default notices hit record highs

2007-06-18T10:15:00.000-07:00

Sacramento region default notices hit record highs

Both notices of default, the first sign that homeowners are having trouble making payments, and foreclosures reached historic highs across much of the Sacramento area during first quarter reported Sami Siddiqui, President of GreatWest GMAC Real Estate.The statistics are the newest indication of stress in one of California’s most troubled major housing markets. They come as spring sales already are slowing amid a glut of resale inventory and tightening of borrowing standards by lenders.Real estate industry analysts call the region’s defaults an echo from the surge of home loans made during the summer of 2005 as the region’s real estate market soared. That summer, capital region buyers stretched their hardest to buy homes, with about 76 percent using adjustable rate loans, according to DataQuick Information Systems of La Jolla.Many of those loans, as well as refinancing to tap housing boom equity for things like swimming pools and cars, are resetting to higher payments and pressuring the area’s economy."You can’t party forever and our inventory of foreclosed listings shows it”, said Sami Siddiqui of GreatWest GMAC Real Estate.Notices of default -- issued after a homeowner misses at least two monthly mortgage payments -- reached their highest levels ever during this year’s first quarter in Amador, El Dorado, Sacramento, Sutter, Yolo and Yuba counties, DataQuick reported.The number of defaults stopped rising only in Placer County. Nevada County remains below previous highs reached in the 1990s, DataQuick reported.First-quarter foreclosure numbers also reached highs across much of the region -- in Sacramento, Placer, El Dorado, Yolo and Sutter counties -- according to DataQuick, which tracks county property records.DataQuick said 1,505 homeowners in Amador, El Dorado, Nevada, Placer, Sacramento, Sutter, Yolo and Yuba counties lost their houses to foreclosure during January, February and March. That’s up from 865 the previous three months.DataQuick reported just 143 foreclosures in the eight-county region in the first quarter of 2006."Lender inventory of foreclosed properties has increased and will continue to increase” said Brodie Stephens, a Manager at GreatWest GMAC Real Estate.DataQuick attributed part of the record-breaking numbers to a greater supply of homes and loans in the Sacramento region since previous records were established during the recession-plagued mid-1990s. But the bigger factor is a combination of risky 2005 and 2006 loans and falling home prices that make it difficult for owners to refinance out of trouble. Even in a time when the economy continues to generate job growth, selling the house is becoming harder.The Sacramento region has plenty of troubled company. Statewide, defaults reached a 10-year high during the year’s first quarter. Among major urban counties Riverside and Contra Costa counties also had record levels of defaults, DataQuick reported.Nationally, Yuba County ranked ninth and Sacramento 16th among more than 1,000 counties for the percentage increase of defaults from the first quarter of 2006, according to Foreclosures.com, a Fair Oaks-based Web site that tracks them for investors. Placer and El Dorado counties ranked 19th and 20th.

829 Santi Court

2007-05-03T10:35:00.000-07:00

829 Santi Court

Price Reduced - $312,000

Bedrooms: 4
Bathrooms: 2
Square Feet: 1832
Price: $312,000

Beautiful 4 bedroom 2 bath home in Yuba City. This home was built in 2004 and filled with upgrades including whole house fan, custom window coverings, designer paint, large tile entry, landscaped front and back yard, fenced dog run, and much more. Immaculate condition. Home is located at the end of a quiet cul-de-sac. Minutes from Lowes, Home Depot, and Walmart.

View the virtual tour of this property at: http://tours.justsnooping.com/2278375/

For more information about this property please visit: www.homesInYuba.com or www.sandgrenRE.com.

Current Listings - Land For Sale

2006-12-14T10:03:00.000-08:00

To search all of the available properties in Sacramento, Yuba City, Marysville, Colusa, Gridley and surrounding areas, please visit:

www.HomesInYuba.com

Land For Sale In Marysville

4497 Chippewa Trail, Marysville

10.14 ACRES AT A GREAT PRICE!! EASY ACCESS TO HIGHWAY 65, CLOSE PROXIMITY TO MARYSVILLE AND WHEATLAND. CAN BE USED FOR HOMESITE AND PATURE/AG. PARCEL CAN POSSIBLY BE SPLIT ONCE. AGENT IS CHECKING WITH COUNTY. ELEC. TO PROPERTY. SEASONAL STREAM RUNS THROUGH PROPERTY-CAN BE USED FOR IRRIGATION.

For More information please visit: www.HomesInYuba.com
Virtual Tour: http://tours.justsnooping.com/2227181/

5791 Montclair Avenue, Marysville

Nice sized lot at a great price! Only $42,500 for over 1/3 of an acre. Sewer and water, Electricity connections available. Lot ready to build on or move in mobile home. Lot is located between 5787 Montclair Ave. and 5795 Montclair Ave. This is a very quiet area. SALE PENDING.

For More information please visit: http://www.homesinyuba.com
Virtual Tour: http://tours.justsnooping.com/2243406/

Land For Sale In Oroville

Feather River Blvd, Oroville

M2/Industrial lot for sale. Sewer, water and power available at the road. Just across the street from the movie theater and Mini Storage. Owner willing to carry with 25% down. M2 uses include all uses listed under Manufacturing, Transportation and Public Utilities, Wholesale Trade and Construction in Standard Industrial Classification Manual. With a use permit hotels, motels, bars, cafes, restaurants, public buildings, and banks are allowed.

For More information please visit: http://www.homesinyuba.com
Virtual Tour: http://tours.justsnooping.com/2244767/

2809 El Noble Avenue, Oroville

Great city lot ready to build on. This property is located on a quiet street within walking distance to local schools. Water and sewer connections available. Lot is 0.11 of an acre, 48 ft x 100 ft. Pefect location for a new home.

For More information please visit: http://www.homesinyuba.com
Virtual Tour: http://tours.justsnooping.com/2244767/

Land For Sale In Wheatland

3243 Rancho Road, Wheatland

THIS SUBJECT PROPERTY IS 10 ACRES OF M1/INDUSTRIAL LAND LOCATED IN "YUBA COUNTY RANCHO ROAD INDUSTRIAL AND COMMERCIAL PARK" AND HAS THE ADDED BENEFIT OF BEING IN THE YUBA COUNTY ENTERPRISE ZONE. THIS CHOICE PARCEL FRONTS HWY 65, AND IS ALMOST DIRECTLY ACROSS THE HWY FROM THE AMPHITHEATRE, PROPOSE RACING COMPLEX AND AMERICAN INDIAN GAMBLING COMPLEX. OWNER WILLING TO CARRY.

For More information please visit: http://www.homesinyuba.com
Virtual Tour: http://tours.justsnooping.com/2226484/

Current Listings - Homes For Sale

2006-12-13T12:18:00.000-08:00

To search all of the available properties in Sacramento, Yuba City, Marysville, Colusa, Gridley and surrounding areas, please visit:

www.HomesInYuba.com

Homes In Yuba City

2531 Aurora Drive, Yuba City

SOLD

This is a new luxury 4 bedroom, 2 bath home at Diamond Pointe sub-division built by Western Development. Included in the home are luxurious carpeting, elegant ceramic tile entry, raised panel doors, energy efficient vinyl windows, dramatic 9’ ceilings, Corian counter tops throughout and a fully landscaped front and back yard. YOU SAVE OVER $37,000!!! Seller to pay closing costs.

For More information please visit: www.HomesInYuba.com
Virtual Tour: http://tours.justsnooping.com/2204669/

1899 Redhaven Ave, Yuba City

SOLD

Beautiful home just 1 year old. Home has many upgrades including: Corian counter tops and sinks, Custom tile work in master bath, Upgraded fixtures, Upgraded appliance package, Premium flooring throughout, Central Vacuum, Security System, Custom interior paint, Window coverings, Gated RV Parking, Extra large cement patio, Plumbed for gas BBQ, Fully finished garage with extra lighting and outlets & 8' foot door panel. All on a large corner lot with 9' ceilings and NO MELLO ROO'S. PRICE REDUCED TO $345,000.

For More information please visit: www.HomesInYuba.com
Virtual Tour: http://tours.justsnooping.com/2239497/

1611 Redhaven, Yuba City

SOLD

A great floor plan at a great price. Home is only 3 years old. Many upgrades including tile entryway, corian counter top's, extra wide breakfast counter, fully landscaped backyard, 3 car garage, central vacuum, wood blinds and much more...all combined in the best selling floor plan.

For More information please visit: http://www.HomesInYuba.com

Virtual Tour: http://tours.justsnooping.com /2258362/

Homes In Live Oak

10453 Nevada Street, Live Oak

SOLD

Nice 3 bedroom 1 ½ bath home in Live Oak. Excellent location for easy commute to Chico or Yuba City. Large back yard with huge patio. RV parking possible. Great Price. Please call for showing. Price Reduced-Distress Sale.

For More information please visit: http://www.HomesInYuba.com
Virtual Tour: http://tours.justsnooping.com /2237364/

Homes In Marysville Oak

11043 B State Hwy 70, Marysville

A Great ranch style home on 5+ acres. Only 10 minutes from downtown Marysville. Mature walnut trees provide excellent income. This property has one AG well and one domestic well. Large maintained back yard with gunite pool and large covered patio's; great for entertaining. Enjoy a country setting minutes from town. Large master bedroom with walk-in closet. Master bath has dual vanities with separate shower and tub. A MUST SEE! Please take a look at our virtual tour for more pictures. Price Just Reduced.

For More information please visit: http://www.HomesInYuba.com

Virtual Tour: http://tours.justsnooping.co m/2248149/