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Saint Peters : Real Estate Advice

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  • Local Info3
  • Home Buying3
  • Home Selling0
  • Market Conditions2

Activity 12
Wed Feb 24, 2016
Cate Fowler asked:
I work from home and need safe, secure, clean, moderately upscale rental property with open floor plan, 2-3 good size BRs, 1-2 baths, utility room to accommodate full size washer/gas dryer,…
0 votes 0 Answers Share Flag
Sun Jul 26, 2015
Mauleu answered:
How many days total was this house on market before 2009 sale & how many listings

12 lookout dr., ledgewood nj 07852
0 votes 11 answers Share Flag
Wed Mar 18, 2015
Yanoska Diaz answered:
This is a question for a local police department. It is inappropriate for a real estate agent to answer it as he/she may be in violation of anti-discriminatory law.
0 votes 1 answer Share Flag
Wed May 7, 2014
Deborah Sciarrino answered:
Tax sales are different than bank foreclosures, and it takes a LOOOONG time to actually get the property and then it is NOT free and clear, you have only bought the tax lien. You are still responsible for paying any existing liens, from mortgages, mechanics, etc. So before you buy, make sure the home has a low mortgage or no mortgage (title search).

But the sale is in August for the entire state of MO, I believe the third week. You basically buy a property for the amount of back taxes, then the property owner has one year to pay you back (with interest... very low interest). A few months before the year is up you need to start sending notifications to the property owner and anyone else who may have a claim on the property (you need a title company to run a title search at your own cost... this is currently reimbursable in St. Charles Co, if you do not get the property) via certified letter that you intend to take possession at the end of your one year waiting period. Then you hope that the owner does not pay the back taxes... almost all of them do pay usually in the last couple months.

The list is available at the county courthouses... posted on an artists tripod, it is also printed in the county paper, and usually is online. The list is huge and changes daily as folks pay their taxes. The list at the courthouse is the most accurate as the staff marks off the paid properties as they happen, but unless you live nearby it is frustratingly old school.

Once you decide which county you want to buy in, that is it, since they all happen the same week/day of August. Show up in person to bid, the room will be full, but only a few folks actually buy. I have done it, bought four or five, three paid before 6 months had passed and one paid the last week of the 1 year deadline, after I had sent my certified letters, and run the title search.

So no tax sales for me anymore, too much time, money out the door and no real return compared to the leg work.
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0 votes 3 answers Share Flag
Tue Apr 1, 2014
Deborah Sciarrino answered:
Hi Michelle,

I ran a search and there are 5 rental properties on the MLS that look like they would work. Three show they allow pets, all are 3 bedroom or more, in FHNSD, from 800-1545 a month. Don't know if you are still looking, but thought I throw it out there.

Good Luck!
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1 vote 1 answer Share Flag
Tue Apr 1, 2014
Deborah Sciarrino answered:
This response is not timely, but for anyone looking for rentals in St. Charles County, there are some great homes available, and some do allow pets.
0 votes 1 answer Share Flag
Tue Feb 11, 2014
Dan M. Kimm answered:
St. Peters is a wonderful community. I have many happy clients that have bought in St. Peters over the years. I can assist you in finding your own new home. 314-302-5477
0 votes 2 answers Share Flag
Mon Mar 11, 2013
Anna Ramos answered:
Hi Pam. You can use to check School Districts in the entire USA, you can use an address to locate the District. The website is excellent, and offers lots of useful information to determine which one better fits your needs.
Let me know if you have any questions, I will be happy to assist
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Thu Jul 5, 2012
Christopher Pagli answered:
Hi, You can check, it's a great site for service provider recommendations.

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Tue Jul 3, 2012
Suzanne MacDowell answered:
This is really a question for your attorney, I am NOT an attorney, however, I believe the waiting period would be 2 years. I had a situation not long ago that involved both a bankruptcy and a foreclosure. My recollection is the bankruptcy had a waiting period of two years and the foreclosure, three years. But check all that with your attorney. The rules change and so do underwriting standards and I am neither an attorney nor an underwriter. ... more
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Wed May 9, 2012
J answered:
This may be considered what I call "peggy-back" debt. This way of thinking continues the treadmill and cycle of debt accumulation. You never own anything and owe everybody. An investment should benefit you from a financial perspective. I would suggest paying down your existing debt with the $10K. First, consider paying down or paying off the credit cards and then start paying more toward your mortgage loan. Every week put money in to an account that will at least give you something back.

Using a credit card to pay monthly bills and and other expenses, THEN paying the credit card bill off before the due date is beneficial for those who earn points/cash refunds from a credit card at 0 APR and no annual fee. Doing this requires restraint in spending. The key here is understanding how credit card available balances, usage, and payoffs affect a credit score.

The economy has taught everybody to be wiser with their money. Borrowing and then borrowing more is not the answer. Learn how money can work for you rather than how your money is working for someone else. Good luck to you!
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0 votes 6 answers Share Flag
Wed Mar 23, 2011
Connie Antoniou answered:
There are a couple of issues to resolve before deciding what direction to go.

1. Ask the agent if she has permission from the seller to be a "Dual Agent." A Dual Agent is limited being a mediator for the seller and buyer.

2. Do you feel that this agent did a good job for you when you purchased your home?

3. If the answer to the above is "Yes", then you should ask yourself if you have enough knowledge about the current market conditions to work with a Realtor who can only function as a mediator for you.
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