The Advocate-Messenger from Danville, Kentucky • Page 30

D2 Sunday, OctO 11, 2015 Home Garden VO -M SS WWW. WS. OM BOYLE Deeds filed recently in the of ce of Boyle County Clerk Trille Bottom include: Troy M. Abbott to Tanner Abbott, property on Pumpkin Run Road, $55,000. James A.

and Kathryn K. Neyouse to Michelle L. Harris, property in Clearview subdivision, $116,500. Brian L. Storz and Shonna R.

Storz to Shonna R. Storz, property on Berwick Drive, property settlement; fair cash value, $190,000. Lisa R. Allen to Nine of Coins LLC, three tracts containing 81.624 acres, 75.88 acres and 71.741 acres on Ky. 37, $679,900.

Ronnie and Norma B. Daugherty to Caldwell Stone Company LLC, property at corner of Baughman Avenue and Gose Pike, $30,000. CASEY Deeds filed recently in the of ce of Casey County Clerk Casey Davis include: Billy G. and Teresa J. Denson to The Denson Group LLC, through Adam G.

Denson, Teresa A. Denson and Justin L. Denson, property on Canoe Creek Road, property exchange with a value of $50,000. The Denson Group LLC to Billy G. Denson and Teresa A.

Denson, tract on Canoe Creek, property exchange with a value of $32,000. Margaret and Hollis Murphy to Meagan and Jackie Davidson, parcel on Ky. 1547, gift; fair market value, $10,000. Kyle and Danielle Hundley to David N. and Emilee B.

Kimbler, about 3.8 acres off of Sunset Pointe Road, $32,000. Berdina S. and Fred Shelton, and Kenny R. and Debbie Wesley to Kenny R. Wesley, their one-half interest in three parcels on Casey County, gift; fair cash value, $165,000.

John D. and Carolee Shugars to Ashley Shugars and Adam Dean, property on Shugar Hill Road, $74,000. Kathy Stinson to William D. and Mary E. Henson, 4.5 acres in Casey County, $15,000.

Ronald and Pauline Wright and Ronald B. and Nicole Wright to Vaughan E. and Gillian M. Catlett, 5.8 acres on Woods Creek, $7,000. Jeremy L.

Lynn to Glenda Lynn and Larry Rodgers, property on Reynolds Creek, $13,000. Mark Montgomery to William J. Wethington, property on road leading from Possum Trot to Clementsville, $24,000. Larry W. Morgan, executor of the D.W.

Morgan estate, to Bank of America, property on Allen Street, $83,001. GARRARD Deeds filed recently in the of ce of Garrard County Clerk Kevin Montgomery include: Myrtle Stump to Phillip C. and Virginia R.S. Stump, two tracts in Garrard County, $65,000. Christopher M.

Cutter and Victoria M. Yeager to Brookfield Relocation property on Eastern Avenue, property transfer; value, $177,000. Brookfield Relocation Inc. to Chelsea Rhinebarger, property on Eastern Avenue, $177,000. James J.

Womack, through Gerald E. Moss, to Ricky E. and Nancy C. Eighmey, property on C. Valley Drive, $20,000.

Mary Hyden, through Ed Hyden, and Ed Hyden and Robin A. Hyden to Richard Greer, property on Ashlock Drive, $134,800. Edwin S. Lemay to BJ Arnold Rentals LLC, property on Hamilton Avenue, $8,000. Johnetta King, Kenneth King and The Bank of New York Mellon, through Johnny O.

Bolton, master commissioner, to The Bank of New York Mellon, property on Rolling Meadows Drive, $112,900. John and Crystal Stevens to Timothy E. and Suzanna M. Couch, property on Swamper Road, $103,000. The Farmers Bank to Valen- tin Chavez, property in Four Guys Realty Inc.

subdivision, $34,000. LINCOLN Deeds filed recently in the of ce of Lincoln County Clerk George O. Spoonamore IV include: Vanderbilt Mortgage and Finance Inc. to Thomas E. and Michelle Phelps, 2.135 acres in Lincoln County, $84,900.

Thomas L. Grif to Brandy and Jameson Cable, two tracts containing 2.069 acres and 1.126 acres on Lizzy Wallen Road, $132,000. Terry and Tabitha Bullock to Don and Connie Armentrout, property on U.S. 27, $41,000. Forcht Bank to Brandon B.

and Kayla Mullins, 1.383 acres in Countryside Estates, $160,000. Michael W. and Kimberly Y. Quinton to Timothy and Elizabeth A. Adams, 30.195 acres in Lincoln County, $135,000.

Nelson Grubbs to Ronald and Dorcas Blackwell, lot in Arcadia Heights subdivision, $6,500. Donnie and Sally Dotson to Joseph E. Dotson, two tracts in Country Living subdivision, gift; fair cash value, $150,000. William R. and Raye Ann Clark to Trevor H.

and Chelsea Clark, about 1.28 acres on Stingy Creek Road, $100,000. Paul N. and Bonnie Todd to John G. Carnes Trust, property in Oakwood Estates subdivision, $178,000. David R.

Cook and Leslie Ann Smith to Jacob O. Greer, property in Happy Hollow Farms subdivision, $92,000. Steven L. and Tammy S. Goode to Clark D.

Mongeau, property on Cold Springs Drive, $154,500. Donnie and Sally Dotson to Donnie E. Dotson, two tracts in Country Living subdivision, gift; fair cash value, $150,000. EKR Investments LLC to Kentucky Lodging and Development Company property on Main Street, Crab Orchard, $75,000. Don and Sally Dotson to Curu LLC, property in Run Development, $1,875,000.

Don and Sally Dotson to Curu LLC, lot in Run Development, $125,000. Larry Doss to Matthew D. Henderson, 8.235 acres on Ky. 643, $28,500. Jeff and Crystal E.

Goodin to Ronald C. and Krystal Goodin, property in Hamilton Homes subdivision, Waynesburg, on Ellison Ridge Road, $25,000. Linda King to Roberta Giordani, 1.44 acres on Clear Fork Road, $119,900. William Mullins Jr. to Jack and Darlene Ables, 5.274 acres on Pine Grove Road, $7,000.

Jack and Darlene Ables to William Mullins property in Pine Grove, $7,000. True Investments LLC to Stephen and Lecia True, two parcels in Silver Flats subdivision, property transfer; fair cash value, $165,000. MERCER Deeds filed recently in the of ce of Mercer County Clerk Chris Horn include: PNC Bank to Murl and Elizabeth Pitchford, property on East Of ce Street, $5,500. Michael D. and Kathy Matherly to Brenda E.

Steele, property on Elizabeth Court, $115,000. Tanya G. and Ebelio Roblero to Derrick A. and Heather D. Blacketer, property on Harrods Trace Drive, $116,500.

Carlie D. Gammill to Kenneth Grigsby, property in Brightleaf South subdivision, gift; fair cash value, $145,000. Myra Morgan to Cindy Gilkison, one-third interest in 24.17 acres on McAfee Lane, Salvisa, $15,000. Lois and David Randell to Sonya R. and Timothy Shannon, 10.043 acres in Mercer County, gift; fair cash value, $150,000.

Linda and John Hockersmith III to Luci and John W. Hockersmith IV, property on Old Louisville Road, Salvisa, gift; value not listed. Rose M. and James W. Bryant Jr.

to Harold D. and Helen F. Baker, two parcels off of West Lane, $9,000. Elite Electric Inc. to Urban Spaces LLC, three lots on Cogar Avenue, $120,000.

Don Moore and Vicky Moore to Jill L. and Michael D. Preston, property on La Colline, $230,000. Deidra L. Hair to Danny G.

and Joyce H. Lane, property in Chimney Rock subdivision, $60,000. Patrick L. Brown to Lynette G. Boyd, 3.25 acres in Mercer County, $9,000.

Terry and Twana Dean to Kevin K. and Angie Wethington, 90.46 acres in Mercer and Boyle counties, $205,000. JM Elliott Properties LLC to Ruth A. Smith, property in Scenic Hills subdivision, $96,500. Carroll and Rowena Rousey, Chase Meade and Ginger Meade, property on Elizabeth Court, $95,000.

Thomas H. and Ruth Matney to James Arnold, property in Bright Leaf Estates subdivision, $138,000. Loretta J. Ellis to Whitney Z. Johns, .135 of an acre in Mercer County, $1,550.

Ronald S. and Janis A. Kratzwald to Christine C. McCoy, property on North Main Street, $145,000. Clay and Andrea Whitenack to Jared P.

and Laura E. Long, property on Beaumont Avenue, $200,000. Real Estate Holdings LLC to R. Paul Bosse, about 10 acres in Woods Pointe subdivision, property transfer; fair cash value, $33,500. Kenneth J.

and Meshayla D. Doughty to Christian Albertson and Samantha McCrosky, property in Alexander Heights subdivision, $148,500. Joan B. and Frank K. Sewell Jr.

to Brooke Fatzinger, property on Woodsland Drive, $98,000. Cherokee Development Co. to Linda Murray, two tracts on Elizabeth Court, property transfer; fair cash value, $112,000. All prospective home buyers should first get preapproved for a mortgage. best to seek the highest loan amount possible.

DEAR MR. MYERS: We are planning to buy our first home soon, so we are following your advice to get preapproved for a mortgage. However, we have received some con icting advice from my father and the real estate agent we expect to use. My dad says we should apply for as small of a loan as possible to improve our chances of getting approved. Our agent, though, says we should ask for the highest amount possible, in part to broaden our choices among the properties that are available.

What do you think we should do? ANSWER: Follow the realty advice, and ask for the highest amount possible. Buyers always should get preapproved for a mortgage before starting their house-hunting trek, in part because it makes a seller more con dent that a proposed deal can be completed successfully and can close quickly. That puts a buyer who has been pre- approved is in a lot better bargaining position than a buyer who In reality, the bank or mortgage broker that you intend to use to finance the transaction will ultimately decide how much you can borrow based on your income, credit score, available down payment and other factors. But your agent is correct: You should ask for the highest amount you can get in order to broaden your property choices, as long as con dent that you comfortably can handle the higher monthly mortgage payments that would be required. As a bonus, having access to the highest preapproval amount possible gives you a nancial cushion to help pay for any unanticipated expenses that seemingly always arise after a sale agreement is tentatively reached such as higher-than-expected closing costs or to fix up the home after you move in.

DEAR MR. MYERS Is it true that homeowners in Hawaii can take a tax deduction for each of the trees that grow on their property? ANSWER: Yes, provided the tree is classi ed by authorities as an based either on its age, size, rareness, historic value or a handful of other criteria. The program was created in 1975 by state legislators in an effort to preserve the island unique beauty. The sizable deductions are nothing to throw a pineapple at. Property owners can take up to a $3,000 income-tax write-off for each of their trees that are deemed exceptional to cover the cost of their maintenance chores like pruning and fertilizing them.

There are a couple of strings attached. For starters, the deduction can be taken only once every three years. In addition, work must be done by a certi ed arborist. Nonetheless, more than 1,000 trees have quali ed for status since the program began, and the number is growing every year. REAL ESTATE TRIVIA: Maine legislators levy a spe- cial 1.5 cent tax per pound on farmers and dealers who grow or distribute blueberries, the of cial fruit.

The revenue is used to promote the crop and fund agricultural research. DEAR MR. MYERS: What is considered an FICO credit score? ANSWER Fair, Isaac the creator of the FICO score used in about 90 percent of all lending decisions by banks, use a past and current financial information to rank them in a range between 301 and 850. The higher, the better and the lower interest rate that likely pay for a mortgage, car loan or credit card. Generally, a FICO score of 750 or more is considered A score of 700 to 749 is 650 to 699 is and 600 to 649 is credit is anything below 600.

DEAR MR. MYERS: About two months ago, you wrote that the Federal Reserve Board likely would raise short-term interest rates by the end of this year. But at its September meeting, the board decided to leave rates where they are. Does this mean a rate increase is the ANSWER: No. Fed Chairwoman Janet Yellen explained that the September decision to leave rates unchanged was designed to give its policymakers more time to assess the impact of weakened economy and the resulting stock-market turmoil it has created in the U.S.

and around the world. Yellen said that the decision was a and added that the central bank still expects to raise rates by the end of the year. The rate hike could come as early as October, or at the following meeting in December. The anticipated quarter-point increase is part of the plan to slowly raise short-term rates to 3 or 4 percent up from virtually zero today to curb corporate and consumer borrowing and thus keep the economy from overheating. Our booklet, Talk about Living explains how even low- and middle-income homeowners can now reap the same bene ts that creating an inexpensive trust once provided only to the wealthiest families.

For a copy, send $4 and a self-addressed, stamped envelope to D. P.O. Box 4405, Culver City, CA 90231-4405. Net proceeds this month will be donated to the Wounded Warriors Project to help disabled war veterans and their families. Bold columns, roof tiles and arched windows give this sumptuous home a sunny Mediterranean ambiance.

Every room offers a view of both the columned inner courtyard and the world outside. Ceilings in the entry, dining room and living room are nearly two stories high. Lanais on the upper level add even more outdoor living space. For more details, log onto www.Hom Pla Week or call 1 8 0 0 6 3 4 0 1 2 3 PLAN 11-118 i ving Area 3509 3000 SERIES Veracruz Bedroom 12'9" 14' Bedroom 12'8" 10'4" Suite 18'10" 21'4" Lanai Open to Entry Below Open to Dining Below Open to Living Below Dn Dn Garage 21'4" 29'8" Media Room 18'8" 14' Dining 17'8" 18'2" Living 15'8" 16'9" Family 10'5" 18'8" Utility Kitchen Court Yard Covered Patio Gazebo Up Up 2015 Associated Designs, Inc. PROPERTY TRANSFERS DEEDS FILED RECENTLY IN AREA COURTHOUSES When seeking preapproval, ask for largest mortgage possible ABOUT REAL ESTATE David Myers Syndicated Columnist.