Jim Humbard - Legg & Company Real Estate

New Price! $265,000

Own a piece of serenity and quietness in rural Dickson County. Come put your personal touches to this spacious home on 9 acres with pond. Rolling sloping land with trails and privacy. Handicap accessible with ramp. Cozy up to the warmth of the fireplace in the den. Centrally located between Dickson, Clarksville and Erin. New metal roof. 20 x 10 storage shed. Property as-is. View additional details about this listing: https://go.realtracs.com/1D4NnAb

9 acres with pond! $275,000
Own a piece of serenity and quietness in rural Dickson County. Come put your personal touches to this spacious home rolling sloping land with trails and privacy. Handicap accessible with ramp. Cozy up to the warmth of the fireplace in the den. Centrally located between Dickson, Clarksville and Erin. New metal roof. 20 x 10 storage shed. Property as-is. View additional details about this listing: https://go.realtracs.com/1Aix37T

9 acres with pond $275,000
Own a piece of serenity and quietness in rural Dickson County. Come put your personal touches to this spacious home with Rolling sloping land with trails and privacy. Handicap accessible with ramp. Cozy up to the warmth of the fireplace in the den. Centrally located between Dickson, Clarksville and Erin. New metal roof. 20 x 10 storage shed. Property as-is. View additional details about this listing: https://go.realtracs.com/1AL6dBz

9 acres with pond!

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Affordable $239,900, Space (1820 square feet) and commuting convenience (less than 10 minutes to two interstate access's) are highlights of this home. Large living room with gas fireplace. Handicap accessible primary suite with 2 full bathrooms, one with handicap shower, second with soaker tub and large walk through closet. Spacious eat-in kitchen with full window wall overlooking back yard and neighboring woods. Second bedroom with double closet and third room with closet. Third full bathroom in adjacent hall. Wheelchair accessible back door entry. 1 acre lot with garage and storage shed. Garage is 30x24 with single overhead door, Additional storage shed. Gas furnace replaced in June 2017. Home has 2 bedroom septic see attached record. Size and location highly desirable. Bring your decorating ideas and make this a forever home. View additional details about this listing: https://go.realtracs.com/17bh665

3 bedrooms 1 1/2 baths 1 acre $255,000
Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin. FHA appraisal on file, home is ready for new owner. First buyers loss, your gain! View additional details about this listing: https://go.realtracs.com/12PPp0e

Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin. FHA appraisal on file, home is ready for new owner. First buyers loss, your gain! View additional details about this listing: https://go.realtracs.com/12PPnAU

3 bedrooms 1 1/2 baths 1 acre $255,000 Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin. FHA appraisal on file, home is ready for new owner. First buyers loss, your gain! View additional details about this listing: https://go.realtracs.com/12CXQAN

3 bedrooms 1 1/2 baths 1 acre $255,000 Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin. FHA appraisal on file, home is ready for new owner. First buyers loss, your gain! View additional details about this listing: https://go.realtracs.com/12CXN7a

Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin View additional details about this listing: https://go.realtracs.com/10NQj3f

3br 1 1/2 bth 1acre Move In Ready!

3br 1 1/2 bth 1acre Move In Ready! 3br 1 1/2 bth 1acre Move In Ready!

Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin

Click here for details:
https://www.remax.com/TN/BON-AQUA/home-details/10183-N-TWIN-SPRINGS-RD-BON-AQUA-TN-37025/695648318043801935/M00000574/2566483

Beautiful move-in ready home on 1 acre located in quiet, peaceful neighborhood close to !40 and I840 entrances 6-8 minutes. New flooring and freshly painted throughout! Large 24 x 12 covered porch for enjoying the peace and serenity of neighboring land and woods,100+ acres! 20 x12 shop building with lean-to. Metal roof, newer HVAC and water heater for years of worry free living. Vacant and ready for you! Come enjoy what peaceful country living has to offer! Easy commute to Nashville & Franklin View additional details about this listing: https://go.realtracs.com/102iNAy

When the thermometer goes up, it’s important to keep your air conditioning usage from burning a hole in your wallet. Try these five energy-saving tips that could chill your home and your bills.
1. Fans are your friend.
Whether they’re connected to your ceiling or plugged into a wall outlet, fans are the key to maximizing the effectiveness of your AC unit. If you have ceiling fans, make sure they’re rotating counterclockwise to force the air downward. If you have some plug-in fans lying around, position them as low to the ground as possible to circulate the cool air resting near the floor.
2. Stick to a schedule.
Try precooling your home before the heat of the day so your HVAC system won’t have to work so hard when the sun is at its peak. Whether you have a classic turn-dial unit or a smart thermostat that can adjust the temperature for you, try to run your air conditioning as little as possible between the hours of 2 and 6 p.m.
3. Seal and save.
Like a pesky insect, heat can sneak into your home through the cracks in your doors and window frames. Don’t let it! Get a roll or two of weatherstripping tape from your local hardware store, and you can keep the AC in and the heatwave out in a matter of minutes.
4. Stay shady.
Natural lighting is lovely, but it can make your house as hot as a sauna. If you don’t have the budget or expertise to add specially coated windows to your rooms, installing some simple blinds, shades, or curtains should do the trick. Blocking out the sunlight and utilizing energy-efficient lightbulbs throughout the day will be much friendlier on your room temperature and your wallet.
5. Check for incentives.
Some cities are encouraging residents to reduce their energy consumption through rebates and other incentives. These range from cash rebates for giving your local power company permission to adjust your smart thermostats as needed, to tax credits for energy-efficient renovations like re-insulating your home and adding solar panels to your roof.
If you have any other questions about reducing your power bill, I’m always a text, email, or phone call away

Spring Forward on March 12th

This weekend, adjust your clocks forward by one hour. Most people find it convenient to change their clocks before they go to bed on Saturday night.

With the Spring Buying Season just around the corner, now’s the time to start getting your House ready to Sell. And the best way to determine where to spend your time and money is to work with a trusted Real Estate Agent who can help you understand which improvements are most valuable in your local market. Let me put my years of experience to work for you. Jim Humbard 931-623-3650

February 2023

***THE TEN COMMANDMENTS OF BUYING A HOME***
1. Thou shalt not change jobs, become self‐employed or quit your job.
2. Thou shalt not buy a car, truck or van (or you may be living in it)!
3. Thou shalt not use charge cards excessively or let your accounts fall behind.
4. Thou shalt not spend money you have set aside for closing.
5. Thou shalt not omit debts or liabilities from your loan application.
6. Thou shalt not buy furniture.
7. Thou shalt not originate any kinds of inquiries into your credit.
8. Thou shalt not make large deposits without first checking with your loan officer.
9. Thou shalt not change bank accounts.
10. Thou shalt not co‐sign a loan for anyone

Bob Vila’s 10 “Must Do” Projects for March March is good time to bring some order to your home, and refresh the house after it's been closed tight for winter. Here's what's on our March to-do list.

Have you started thinking ahead to 🌸 SPRING 🌸 yet?

The biggest shock to homebuyers is the soaring mortgage rates of 2022 that doubled in one year resulting in approximately 15 million mortgage ready buyers displaced from the market due to affordability issues.

As of February 23, 2023, the 30-year fixed rate mortgage was at 6.5%. While that is twice as high as it was on January 6, 2022, it is still lower than the 7.75% average rate since April 2, 1971, according to the Freddie Mac Primary Mortgage Market Survey.

When rates increase at a rapid pace like this, it takes time for the public to adjust and begin to accept it as the new normal.

Prior to the housing bust that led to the Great Recession, the normal for mortgage rates was in the 6% range and existing home sales were over 6.5 million for three years. From 2007 to 2014, home sales were closer to 5 million with 2008-2011 at just above 4 million annually.

From January 17, 2008 to March 5, 2020, mortgage rates averaged 4.32%. In this 12-year period, buyers experienced some of the lowest mortgage rates ever and became to expect that rates would always be that low.

Then, during the hardest part of the pandemic, the government took unprecedented actions to influence rates even lower to where they averaged 3.06% between March 5, 2020 and March 17, 2022.

It appears that mortgage rates have peaked in this latest cycle. In December 2022, the rates came down for four straight weeks following two weeks of slightly higher rates. The question is what to anticipate for 2023.

The National Association of REALTORS® is expecting mortgage rates to be below 6% in the last half of 2023 possibly, 5.5% to 5.7%. Zillow's chief economist believes rates will drop to around 5.5% for 2023. The Mortgage Bankers Association expects that "30-year mortgage rates will end 2023 at 5.3%." Fannie Mae forecasts rates will end 2023 at 5.7%.

Relying on the experts, rates are not going to return to the unusual levels during the pandemic or even in the past 12-14 years. The new normal may well indeed be at the mid-5% level and when the public gets use to it, sales will begin to rise again.

Some buyers may need to adjust their price points because higher payments are directly impacted by the higher rates. Even if they could have afforded more with the lower rates, that was a missed opportunity. When the Fed gets inflation under control and the market rebounds from the pent-up demand, another window could be lost.

David Stevens, CEO of Mountain Lake Consulting, and former Assistant Secretary of Housing recently said in a LinkedIn post talking about the housing market in 2023 "So be advised...this may be the one and only window for the next few years to get into a buyers' market. And remember...as the Federal Reserve data shows...home prices only go up and always recover from recessions no matter how mild or severe. Long term homeowners should view this market...right now...as a unique buying opportunity."

Call to discuss how 2023 has benefits for you!

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