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Show G4 The Salt Lake Tribune, Sunday, January 28, 1996 Advertising Supplement to The Salt Lake Tribune St. George adopts hillside-building plan : ST. GEORGE, Utah (AP) — Southern Utahresidents like to build their homes on a humdinger of ahillside, a perfect plateau, a majestic mountain or a beaut of a butte. But St. George's fast growth is foreing changes in what the city allows On its hills. I think every yearit becomes more of a public concern,” said Bob Nicholson, St. George Community Development Department director. “People realized the potential to haveall the hills developed The city’s general plan adopted in 1995 calls forstricter regulation of hillsides thanthe current ordinance. But its implementation has been delayed while a committee reviewedit at the request of the Southern Utah HomeBuilder's Association The changes recommended by that committee have been forwarded to the St. George City Council by the planning commission Density would be reduced on steeper slopes from four homes per ° Best Rates in Town ‘ Fireplaces are increasingly popular in many newhomesand arefashionable upgradesin existing homes Buyers can choose from among dozens of manufacturers and models. Thefirst decision involves what kindoffireplace is desired — wood burning or gas? We will focus on gas MUceCe Collartne KIDD 4 MiORTGAGE Pog e ae a AFTER - f OR AR D HOURS Tyr MIKE L INDSAY STUNNING PENTHOUSE! NEW LISTIN OLYMPUS COVE! INCREDIBLE VIEW! ot wihhigh vaulegcatings 4 iprary den. Luxury sD ge walkin wad Priced 10 sel ONLY 5389, 141 E. Second Ave. #902 5 ny & Cal 4851 S. Mountain Lane (3205 €.) \ PRIME HOLLADAY $239,900 bie open CITY CREEK CANYON! 26 E. Kelly Lane (4720 S.) 776 N. East CapitolBlvd.er) £) CUSTOM RAMBLER 10 °93595 E. Danforth Dr."(7350 s) etoone $16: Salt Board of lake teat Realtors”, 1993 Salesman of the Year, 2585 CrestbrookLn (3370 Ss.) Lifetime Member EAST VIEW IN COTTONWOODS! ° Salt Lake Board of Realtors, Fabulous parlaly wooded ol fucked away @ lanein the Coltonwoods. incredible teplaces Sbdrms Sbaths Double garage Neo! Superior Achievement Mountain View. $295,000 9563S. HillsboroughHts Rd (2325 E.) 5037 S, Memory Lane(2000 E.) aakaxs: EAST SANDY CANYON OAKS WAY 580-5567 Gated Norn CoveEstate {ol 2.36 cre right oesae? onCity Creek Canyon. Fiat with inctedibie views! $495,001 4282 North Canyon Oaks Way (250 E.) Jardle gley IneredbleViewsontecuouscule ols at mouth of Millcreek Canyon ning Better views! 20008 MULIOINSS. 47 acre $130,000, 28 Acr aa 3654 E. Gilroy Circle (3695 S$.) ThePrudential Prestige Real Estate & Rocksolid in-real ae 1-800-882-9880 OPEN CONDOSH HOUSES Coma SHADOW RIDGE Pen eT N DAI LY 12-6 188 OUT 1300 peal OPEN 2-4 1532 E. ARLINGTON DRIVE (400 N) FEDERAL HEIGHTS! Classic uropean Tudorontree 4 lined street, Light, spa $89,000. Fabulous condo cious & immaculate! OVER $250,000 ee te DELL CYN! NEW interior! 5 bdrms, 3} ba, neutral colors,tile firs Ig fenced yd, 1g kitchen, 69,91 GALE FRANDSEN M3510 ENCHANTING oa $105,000. Wooded condo ‘community in one ofSalt pee e Neunnat Lake's Finest locations. clubhouse. pool, sauna. etc. Close to amer nities KEVIN JENSEN 268-7244/567-1437 OPEN DAILY 12-6 HOLLYWOOD CONDOS 234 EAST 100 SOUTH Restored & renovated turn of the century condos on Nationalhistorical register. Beautifully restored oak woodwork thruout Many city & mtn views Private & secluded. Low KEVIN JENSEN 69, dabrat OPEN 12-5 letely CONDOS THE COTTONWOODS ATVINE oo! Min view! BUD GAYLORD Call 288-7293, FABULOUS1 bdrm 4 bth re. modeled w/new carpet. ast vicroriAN! aint, vinyl, counter tops. | 9 Clubhouse w/pooi, tennis, sauna, etc. Private & se cluded, Excellent loca tion! $68,5% fe trees, Original ‘ginger KEVIN JENSEN 288-7244 bread’ hoi SCOTTCHRISTENSEN 583-3564 SILVERWOOD! style, 2 barms, bath, ten- | $150,000-$250,000 nis, pool, sauna. Brick | Conylocation! JANIC BLUM ITSTIME! A POOL JANET COLEMAN M amb! be CROSSPOINTE VERY clean, light 1 bdrm 1937 E en Nay HOMES UNDER $150,000 HIGH POINT SUBDIVISION! aed aed: SUGARHOUSE! $73,500 Reducedto theri diculous! Classic brk bun: galow. 2 a 4 bath frple, gora INA MAMICCRS —sanaree UNRIVALED VALUE Nice contemp fir plan, 4 d, 3 ba, vaulted celling, 5087 $ ee DR 8958 Lariat Dr. oms, 3 baths, 2 ps, Soop S00 YOu Mus! Veen Hondertu 100 us fmiy! Updated! |e LIPMAN Country French2st! Unique 364-6266/288-7247 |s2 w/great room, spacious ca 0 BEV HARRIES | msit sulte, 4 trpics! A buy| puaNe cau | INCREDIBLE VIEW! at $379,900. 288-7267/466-5673 BEV HARRIES 277-2585 REAL SHOW STOPPER! |S bdrm, 3 ba brk tmbiet 2 GALE FRANDSEN 943-3150 HUGE YARD! iew lot. 3 bdrm 3 |imiytms, nowal ts, trmt dining, nice private yard. ae w/greot tlt ling “Luxuty geek.patio, Close to town OPEN 44-2 3b |& 4 U. $304,400. 4907 E VINTAGE WOODS| right 900 433180| ReVINJENSEN 28-7214 CT. (5050 $) | xAruybNen 963-6466]| GALE FRANOSEN w/portico, 3 bdrms, 3| Dane By m1 Are your monthly payments rising faster than a : y balloon? other home? Arethere any special services to help someonelike us? A. Real estate agents and mortgagelenders are ready, willing and able to help you moveto a new home. You do not needto wait to payoff your present mortgagebefore buying another home. To buy a newhouse, youneedto sell your existing homeanduse the moneyfor a down payment. Realty agents are familiar with the process of helping people buy a new house while theyareselling their current home. Contact an agent and ask him or her to explain how you can buy a new homecontingent on the sale of your existing home 20 en) oR Debt Consolidation ARM Conversions Extra Cash from your Equity FR ADVANCED: MORTGAGE 273-3377 EOL Ace ai oeMu aS UTAH SANDY! IMMACULATE! eee CANYON miy hm on s ‘e-|2ST only 6 mos old. Un 277-2585 [OREN ATTWOOD Great |r valedvalue, quality, & atkout jextras! § barns 3 bihs 4874866]|DanRooexs If you are going to the expense of installing a gas fireplace, you might as well spend a little more money for the safety of your family. Insist ona direct venting em. These systems useonlyoutsideair for combustion, havea sealedfirebox, and exhaust flue gasesdirectly to theoutside. Direct-venting systems will not backdraft into your home, which can cause headaches, nausea or worse Direct venting has the addedbenefit ofoften eliminating the need for a conventional chimney and can be much easier and moreflexible to install Gas fireplaces are more convenient and eliminate the needof adding fuel. While gas fireplaces consumea non-renewablenatural resource, quality units burn cleanly without emitting particles and smoke. unlike wood As with any major purchase, it is recommendedthat you buya quality model backed with a solid warranty A directly vented modelwill eliminate drafts, be moreefficient, and give you the peace of mind ofits inherent safety. Thermostatically controlled and variable speedfans will permit maximumflexibility and comfort Doug Balleine, the authorof this article, is president of Balleine Energy Consulting in Layton Q. When negotiating to buy a house in 1993, we couldnotget financing because of mybadcredit The real estate agent handling the deal suggested that a relative buy the house in his nameandquit-claim the property to us. The plan sounded good so we put up the downpayment and mybrother bought the house. But the plan backfired when my brother discovereda clause in his mortgagethat triggers full repayment ofthe loan should heattempt to quit-claim the house to another. How can weget control of the house? . All mortgages today contain what is called a non- assumption non-alientation or due-on-sale clause. This prohibits sale, assignment ortransfer of the property and assumption of the underlying mortgage without the lender’s approval Bythe way, your original plan is a form of loan fraud and should never be attempted Since you are paying the mortgage. taxes, insurance and mainte- nancefor the property, your brother is under “no debt burden.” His only concern would be yourfailure to pay the mortgageon time, resulting in delinquency, default or foreclosure, which would damagehis credit CHASE MORTGAGE HOME MORTG \GE @ @ @ @ Free Pre-Qualifieation “Credit Problems (OK) Purchase & Refinances | YOU'LL BE THE WINNER neP NEW Country French 2st the mortgage payments on it and an- maculate 2300 + sqtt With this updated gem! ambler w/gres urb ap Neutralcolors. 3-4 bdrms r a! 2 bths Privatelocations! Move HARVARD. ¢ BRICK RAMBLER kout bsmt, 4 yrs old. | righ street ee iauctHUM, CRS bo ath w/iovely w/great curb appeal! New | 921 000 roofin'92, some hdwd firs Pere ELLIOTT 241-7035 288-7272/584-4246 580-7054 TOO EAGAE 288-7268 wont900last! 4447 S. 3600 W | TERRY LANDA ino UPMAN 364-4266 JEREMY RANCH OPEN 1-4 GREAT RAMBLER baths, mn fir study & indry, | 4154 W waikout bsmt, 3 car gar TO SELL YOUR HOME! YOU CAN SAVE er WILLOWCREEK! 572-6222 ses4rey| DAN wilarge deck, 1 car gar JONDA so ROGERS AhTAM ces age. Full appliance pkg $78,900 Call today! MOVEIN t DUANE CLEMENT sTratt bat ms, 2|LARGE MSIR, Ig closets 288-7267 /466-5673 | [1 fabulous mnfir laundry, 3 garage, bdims, 2 bath trilevell New tub, & 160 much WOODHOLLOW carpet & paint make this 2bdrms, 2 baths. Pool, ten more list! 268-7293 @ steal! $148,900. nis. 2408 S. ElizabethSt BUD GAYLORD PETER ELLIOTT 244-7035 (1150 &) TERRY LANDA 580-7054 AL SAITO 5824724 (pat CANYON ACRES! OPEN 2:30PROPERTY Con MANY NEW UPGRADES 4690 S WESTVIEW DR untty IVING 4800+ sq, 4 bdrms, 3 bth ONELEVEL LIVING! (3320.8 in this 2 newcarpet $20,000+ in Great 3 bdrm w/a ba MI OLYMPUS! City views, tambletliving, bams,of-| every Bdrm! Lof. while des. 48 acte. FABstall bam. Asking $494,90 | ULGUSMIN mly rooms, new| white kitchen. Neut VIEWS!$189,900 | VinciNia GOODIN’ 2764264 PETER kitchen. GOOD PRICE! $192,506 ELLIOTT 249-7035 VIKI LYNGLE 597-3620 GALE FRANDSEN 943-3180 TERRY LANDA 580-7054 1964 E 9800 S TOTALLY UPDATED! Imma: culate multi, New ap-| pliances. Lg mstr bdrm witrplc, Fmly rm w/trplc Monicured yard, Covered patio. Pond. Custom shed. $158,900 Must see! JUDY MALOUF 272-4416 By George Karvel Knight-Ridder Newspapers Q. Although therearelots of programs forfirst-time homebuyers, I neverhear anything for people wanting to sell their first home and moveup. We wouldliketo sell our house which has a loan balance of about 0,000. Weexpect to haveit paid off in three years. If we buy another house now, how do we avoid making payments on two mortgages? Do we rent the house we now own, so we can make YALE colonial iapaeiou s rooms barms, 3 baths. Hdwd firs, Covedceiling, $354 0,00 GALE FRANDSEN 288.7248) Fantastic mstr w/12' ceil ings, gorgeousIg kitchen, recessed lites, French dr leading to stream & footbridge! 5 bdrms, 3 bths, 3 car garage, $370,000 TERRY LANDA 580-7054 PETER ELLIOT 244-7035, Thebest gas fireplaces typically have an AFUEof 70 percent, which is not as efficient as the worst gas furnace (which must have an AFUE of at least 80 percent to besoldin the United States). Be careful to compare AFUE ratings. The AFUE(Annual Fuel Utilization Efficiency) is the standard by which gas appliances arerated. It is a measure that includes all losses (start-up, cool-down, pilot ete.) and is an accuratereflection of how a gas fireplace will performin your home Be wary of manufacturer “efficiencies,” that are not AFUEs. These numbers may come from tests without rigid AFUErestrictions. The quoted “efficiency” may have been obtained in optimized and unrealistic conditions. Gas fireplaces are generallyeither radiant or circulating. Radiant fireplaces have fans; however. the quality of fans can vary widely. The best circulating systems are quiet, and havea variable speed control and/or a thermostatic control Thecontrol system for the burner is important for comfort as well as efficiency. Some models cannot be adjusted — they areeither onor off Better models permit the user to adjust the burnerfor better comfort and someevenhavebuilt-in thermostats that automatically reduce the heat output and flamesize ARIANA Q&A: How can first-time homeowners DON’T PAY sell first house so they can buy second? ee TREASURE! ready to enjoy $99,999 Ua! 74, 900 oni fireplaces in this segment, and focus on wood-burningfireplaces in the Feb. 18 “Energy Update.’ Besides being both beautiful and relaxing, gas fireplaces can bepractical sources of heat. Some have even been tested as wall furnaces so they are approvedforinstallationin bedrooms and bathrooms. As room heaters they are especially well-suited for homes that have family rooms partially, or fully, below the ground Gasfireplace manufacturers offer a full line of models, including inserts; gas stoves; and a dozen of metal and trim packages. Models are available with two, three and even fourglass sides, so that no matter whereyou sit, it is possible to see the fire Manysizes are available, fromthe largest, designed for visual impact, to small and thin models, designed for easyinstallation in small spaces Castes GREAT DUPLEX! Side x side 2 barm duplex community in one of Sale| MICHELLE HAAG 486-404 led 4 Lake's finest locations. TODD EAGAR 2687268 i aore paint, interior Clubhouse, pool, hottub: oak tail, Pride of tennis etc. Close fo ameni OPEN 4-4 | Joors. ownership! $124,900 ties 5962 S HOLLADAY BLVD. BEV TRAVIS 288-7284 KEVIN JENSEN 288.7244/562-2470 2700 E CURE YOUR HOUSE THE FABULOUS HUNTING BLUES! WATERSIDE CONDOS m on quiet culdesac! 7265 SOUTH 1300 EAST eam cometrue! Extra 00 ar OPEN DAILY 12:6 jown-in insulation, newer 3646268 carpets 1&2 bdrm remodeled TURID LIPMi up. $135,000 1889 LOREN ATTWOOD units trom $63,000 10 KENDRA HALL 487.9566 and leave everyone else alone. The K.H. Traveller Construction employee said the tougher ordinance is for aesthetics only I think they’re really stretching the imagination for health, welfare and safety,” he said. “They're strengthening it only to slow growth and maybeto cap growth. ‘I really can’t think of manyhills left that can be developed. It’s kind of a moot point.” The amended ordinance gives no personal benefit to developers, who will have to cut through another layer of bureaucracy, said Jeff Adams, a builder and committee member Gas fireplaces: A practical source of energy ODA POIN Construction ‘Loans half acre to one homeperacre, but developers couldreceive a density bonus by moving homesto lower slopes The proposalalso includes a 20foot building height limit and stricter setbacks. Most of the prominenthills in thecity are cuestas. which have a gentle slope on oneside and a steep slope on theother side of the ridge line “I don’t knowif anyone individual would sayit’s the most ideal or that it suits any individual perfect- * Nicholson said of the final proPosal. “It is a product that, at least at the end, the committee endorsed as fair and reasonable.” Resident Dick Dixon would prefer no development at all onhillsides “It brings housesoff the steeper slopes, but it still allows houses on the side of the hill and for themto build roads,” Dixon said of the density bonus. ‘“There’s no way we can prevent the destruction of the hills To project manager Gail Maxwell, a fair solution would be for the city council to prohibit development on a few prominent hillsides, compensate the property owners. 944-394] FREE PRE-APPROVALS GUARANTEED LOWEST RATES CREDIT PROBLEMS/BANKRUPTCIES-OK FAST LOAN PROCESSING a 6%% aie Diab 30 YR 15 YR GALL 487+1400 OR #4800-673:0600 Work For You! “Rates subject to change daily NATIONAL Purchase - Refinance MORTGAGE eRe) a ela OEP Rois hy 535-4664 feleehemeerBURTOke reeRermee REE 7.125% AyLL KB (cma)(ae) LM (s miabde) 6.125% cedtll) es) feeSE) |
