Your Dreams - Become - MARCH 2020
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MARCH 2020
WEST CENTRAL OHIO’S REAL ESTATE GUIDE
Your
A MONTHLY PUBLICATION OF THE LIMA NEWS
Dreams
Become !
Pick up your free copy at The Lima News - 3515 Elida Rd., Lima, OH
OH-70174995T
2 Thursday, March 5, 2020 Real Estate MarketPlace The Lima News
A lesson in building a
backyard retaining wall
Flat, even landscapes are often stone base will help anchor the
coveted in backyards. However, flat courses and serve to promote drain-
backyards are not always so easy to age. The Family Handyman says to
find. Fortunately, varied terrain does bury the first course of the retaining
not mean that certain landscaping wall one-tenth the height of the wall
plans are entirely off limits, especially to prevent soil behind it from push-
for homeowners willing to build retain- ing the bottom out.
ing walls. • Check for level. When placing
Retaining walls help turn steep blocks or timbers, make sure they
slopes in a yard into terraced focal are even with the first and peri-
points. They also can reduce soil ero- odically check for level as you go,
sion in hilly areas and can be used for advises the home improvement
aesthetic purposes, like raised plant- retailer Lowes®.
ers, or to create more usable space • Stagger and set back. The next row
within the yard. When an inground pool of blocks or material should be posi-
or pond is cut into a backyard hill, a tioned so that the joints are stag-
retaining wall helps keep the remaining gered for blocks, bricks or wood. A
portion of that hill from collapsing into masonry blade will be needed to cut
the cut-away area. the harder materials; a circular saw
will cut timber. Also, work against
REAL ESTATE
When contemplating retaining
wall projects, a lesson in physics and gravity by setting the second course
engineering may be needed. A sturdy slightly back from the first to help
MarketPlace
and long-lasting retaining wall needs push back against the soil that is
to be built in a way that will take into trying so hard to push forward.
consideration the force of the soil and Repeat the process as each level is
the point at which the soil will begin to placed. Many retaining wall prod-
slide away, advises the experts at The ucts are made with a lip to create
Family Handyman. If these calculations this set back.
C & G Mortgage .......................5 Kerns Fireplace ........................8 seem beyond the scope of your ability, • Go with the grade. For especially
Citizens National Bank .............4 Liberty National Bank ...............6 installation of a retaining wall is a job
best left to a professional. If you are
steep slopes, a gradual step-up de-
sign may be more secure and more
First Federal Bank ....................7 West Ohio Community Action...3 ready to forge ahead, these tips can get appealing than a very tall retaining
you started. However, it’s important to wall. Each level of a stepped design
All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal
to advertise “any preference, limitation or discrimination because of race,Color, religion, sex, note the potential benefits of working should be done like the first.
handicap, familial status or national origin, or intention to make any such preference or limitation, with others who have already built a • Backfill with stone for drainage.
or discrimination.” We will not knowingly accept any advertising which is in violation of the law. All retaining wall.
persons are hereby informed that all dwellings are available on an equal opportunity basis. For further Using a layer of stone behind the
information,Call HUD, Toll Free at 1-800-669-9777. All houses subject to prior Changes without • Safety first: Call to have under- retaining wall can help successfully
notice. The Lima News reserves the right to refuse any advertising which we deem unsuitable for ground utilities plotted and marked direct water away so it will not in-
any publication. No liability assumed for errors or omissions of advertisers from the index. Unless
otherwise noted, all photographs, artwork and ad designs printed in Real Estate Marketplace are before beginning any excavation. crease the weight of the soil behind
the sole property of The Lima News and may not be duplicated or reprinted without The Lima News’
• Map out your trench and begin to the wall and push against the retain-
express written permission. The Lima News and advertisers are not responsible for any typographical,
dig. The trench should have a level, ing wall, advises The Home Depot.
production or ad Copy errors, including inaccurate information provided by advertisers.
Real Estate Marketplace is a monthly publication designed to bring home buyers compacted base as it will be the Retaining walls serve different
and sellers together. foundation for which the retain- purposes in a yard. Building such a wall
Published by The Lima News – Lima, OH 45807 – (419) 993-2040 ing wall materials, be they blocks, requires planning and careful execution
OH-70174993T
bricks or wood, sit in. A crushed to ensure the job is done correctly.
The Lima News Real Estate MarketPlace Thursday, March 5, 2020 3
A guide to buying
and setting up
a bird bath
Warm weather means more oppor- general types of bird bath: standing
tunities to spend time outdoors while pedestal, hanging bath, deck-mount-
at home. Whether your favorite form ed, and ground-level. In general, the
of outdoor recreation includes sitting lower a bird bath is to the ground, the
on the patio reading or digging in the more likely birds are to use it. Most
garden, there’s a good chance that natural sources of water birds use
you will be sharing the space with lo- are on or near the ground. Therefore,
cal wildlife. Optimizing opportunities ground-level bird baths may be the
to view and interact with backyard best investments.
wildlife can make the great outdoors
It is important to keep the water
even more enjoyable.
in a bird bath shallow (around two
The Cornell Lab of Ornithology inches of water or less). This enables
indicates that there are around 2,059 birds to splash around safely and
bird species on the continent of wade in.
Need Help Help
Help
North America. Red-winged black-
birds, yellow-rumped warblers, Birds do not want to slide around,
so a material that is coated and slip- Need
Need
American robins, and chipping spar-
pery, like glazed ceramic or glass,
rows are among the most commonly
seen birds in North America. may not be too popular. Rough stone With
WithThat
That
Making a backyard hospitable to
or a bird bath modified with pea
gravel or rocks can give birds steady
With
Down
Down That
Payment?
Payment?
Down Payment?
birds can increase the chances for footing. If yourIfIfincome your
yourincome isisless
is less
income lessthan
than thetheamount
than amount
the amount listed
listed on
onthe
listed onthechart
the
sightings and hearing their sweet chart below below
chart below and
andyou youhave
and younothave
have owned
not notaowned
owned home ina the
a home home last
in in three
thethe
songs. Installing a bird bath can be a Place the bird bath in the shade if last three years
last years and you
three andwant
years andto want
you purchase
you to in
want toAllen
purchase County,
purchase in in you
AllenAllen
step in the right direction. possible to ensure the water is coolIfCounty,
your may income
you
County, qualify may is to
you less than
earnqualify
qualify
may upto
the$6,000
toamount
to earn upforto
earn listed
a down
up $6,000 onforthe
payment
to $6,000 a on
for a
and fresh. Locate it by a tree so thechart
downbelow adown
home
payment and in on
payment youaCity
the have
on
home of not
Lima
a home
in the owned
and amay
youCity
in City
the of home
ofbe
Lima inandthe
eligible
Limaand upfor
up
Bird baths can make yards more birds can hop up to a branch and last three
to $3,000 limitedfor afunds
years
to $3,000 andainhome
for
home areas
you
in outside
thewant
in toofthe
the of
rest rest theCounty.
City.
purchase
of the County.in Allen
attractive to birds. Birds require County, youHome may qualify to earn up to $6,000 for a are provided by the
a supply of fresh, clean water for
preen afterwards. All About Birds also
Home Home ownership
ownership
ownership classes
classes
classes areareprovided
provided by the the
says that a bird bath is more attrac-down payment on a home in the City of Lima and up
drinking and bathing. By setting up
tive if it has a dripping or moving to $3,000 Lima
West Lima
for a homeAllen OhioAllen
in the restCouncilCommunity
Council on Action
Community
of the County.on Community Affairs. Partnership
Affairs.
a bath, homeowners can attract not Anyone
Anyone wishing
wishing toattend
to attend thethe home
home ownership
ownership class class
must must have
havehave submitted
submitted an an
water feature, as this is often irresist-Anyone wishing to attend the home ownership class must submitted an
only seed-loving birds, but those
that don’t eat seeds and wouldn’t
ible to birds. application
no later
application
no
application
later than
Community
than
and and and
been Home ownership classes are provided by the
been
been
two weeks
twoAction
weeks
approved.
before
Partnership
before theno
Applications
approved.Applications
approved. Applications need
the start
later
start of
than
of thethe
two
need
need to
to be
class.
be received
to received by
by West
be received LACCA
byOhio
LACCA
weeks before the start of the class.
class.
normally congregate around feeders, Another way to ensure the bath will 1 PERSON
Lima Allen Council on Community Affairs.
2 PEOPLE
1 PERSON 21 PEOPLE 23 PEOPLE3 4 PEOPLE
City of
3 PEOPLE 4 PEOPLE
4 5
5 PEOPLE
PEOPLE
5
6 PEOPLE 7 PEOPLE 8 PEOPLE
6 PEOPLE
6 7 PEOPLE
7 8 PEOPLE
8
indicates All About Birds. Experts be used is to keep it clean and main- City ofLima$30,700 $31,300
person $35,800 peopLe $40,250peopLe $44,700 peopLe $48,300 $51,900 peopLe
peopLe peopLe $55,450 $59,050
peopLe
Anyone wishing
Only
$31,300 to attend
$35,800
$35,100 the home
$40,250
$39,500 ownership
$44,700
$43,850 class
$48,300
$47,400 must
$51,900
$50,900 have submitted
$55,450
$54,440 $59,050an
$57,900
surmise that birds may bathe to tained. Change the water every day Lima OnlyCity of $30,700 $35,100 $39,500 $43,850 $47,400 $50,900 $54,440 $57,900
application and been approved. Applications need
$31,700 $37,400 $42,050 $46,700 $50,450 $54,200 $57,950 $61,650 to be received by LACCA
maintain their feathers. or two. Rinse off the bath to remove Allen County LimaCounty
Allen only $25,480 $29,120 $32,760 $36,335 $39,260 $42,185 $45,110 $47,970
no laterIncludesthan $25,480
$19,200
City of Lima
two weeks
$29,120
$21,950 before
$32,760
$24,700 the start $36,335
$27,400 of the class. $42,185
$39,260
$29,600 $31,800 $45,110
$34,000 $47,970
$36,200
Not all bird baths are constructed droppings, bugs and other debris. Includes City of Lima
1 For
PERSON 2 PEOPLE
additional 3 PEOPLE 4contact
information PEOPLE the
5 PEOPLE 6 PEOPLE 7 PEOPLE
Home Ownership program8 at
PEOPLE
the in the same fashion. Many bird Once birds learn there is a com- CityFor additional information contact the Home Ownership program at
of 419-227-0158 419-227-2586
Ext. $51,900
122 $55,450 $59,050 40551791
40361411
40680020
OH-70121463T
40551791
40361411
baths sold in stores are better suited fortable bath nearby, they may be Lima Only $31,300 $35,800 $40,250 $44,700 $48,300
419-227-0158 Ext. 122
for decoration than for serving as more apt to visit a yard and may even (Qualifi cations may vary with different programs.)
(Qualifications may vary with different programs.)
(Qualifications may vary with different programs.) 40565024
functional baths. There are four become frequent guests. Allen County $25,480 $29,120 $32,760 $36,335 $39,260 $42,185 $45,110 $47,970
Includes City of Lima
For additional information contact the Home Ownership program at
818
4 Thursday, March 5, 2020 Real Estate MarketPlace The Lima News
Decor ideas to give homes
a fresh look this spring
Spring is a season of rejuvenation, • Declutter: Clutter is often con-
and that spirit of renewal can take quered during spring cleaning
hold inside a home. sessions, but homeowners who
Warm weather and longer hours of want to create more free-flowing
daylight make spring a perfect time to interior spaces can downsize their
imagine a home’s interior design in a furniture and/or look for multipur-
new light. The following are a handful pose features that make it hard for
of decor ideas that may inspire home- clutter to take over a room. Create
owners to give their homes an entirely more open space in entertaining
new look this spring. areas by mounting the television
• Wallpaper: Wallpaper fell out of and getting rid of a bulky entertain-
favor years ago, but new styles ment center. Create even more
that aren’t so heavily patterned space by replacing rarely used
can make for wonderful additions end tables with a storage ottoman
to any room. Large-scale prints where books and magazines can
can give a room a whole new feel be stored to give a room a fresh,
without giving homeowners or clean look.
their guests the impression that • Accent features: Sometimes the
they have stepped back in time. A
smallest changes to an interior
simple, mural-style floral wallpaper
space make the biggest impres-
on the walls surrounding a table in
a breakfast nook can bring nature sion. Replace dated accents like
inside. vases and table lamps with newer
items that reflect the latest styles
• Pastel colors: Nothing embodies and trends. Such adjustments
the spring quite like pastel colors. won’t break the bank, and they can
If colorful, bright flowers dot the give rooms a whole new feel.
garden in the backyard, homeown-
ers can bring those uplifting pas- Spring is a great time to reconsider
tels inside by painting an accent home interiors. This spring home-
wall or even adding some brightly owners can embrace various strate-
colored accent furniture to rooms gies, both big and small, to give their
that could use a lift. homes a whole new feel.
OH-70175006T
OH-70165322T
The Lima News Real Estate MarketPlace Thursday, March 5, 2020 5
5 outdoor projects
that add value
Exterior renovations can enhance • Fire pit: A fire pit can be used for
the appearance of a property and much of the year. In the spring and
make it more enjoyable for home- summer, the firepit is a great place
owners. Certain renovations have to congregate to roast marshmal-
the potential to add value to a home, lows or sip wine and gaze into the
while others may do the opposite. fire. In the fall, the fire pit can make
Learning which one have the largest for a cozy retreat. A fire pit that has
return on investment can help home- a gas burner is low-maintenance,
owners select features that will have and the National Association of
the most positive impact. Landscape Professionals says that
most can recoup about $4,000 of
Curb appeal goes a long way their $6,000 average price tag.
toward attracting potential buyers.
According to the National Associa- • Softscaping: Hardscaping refers to
tion of Realtors, first impressions of structures like outdoor kitchens
a property have a strong influence or decks. Softscaping involves the
on buyers. Landscaping and external living elements of the landscape.
Hiring a landscape designer to
features can do much to influence
install trees, shrubs, natural edg-
such impressions. .
ing, and rock elements can do
• Lawn care program: Investing in wonders toward improving the NO
a lawn care program that consists look and value of a home. UPFRONT
of fertilizer and weed control ap-
plication and can be transferred
• Pool or water feature: In certain FEES!
markets, particularly hot climates,
over to a subsequent home owner Lima
a pool or another water feature 419-224-7334 ∙ 800-482-3515
is an attractive feature. NAR says is a must-have. However, in other
#OURTEOUS 0ROFESSIONAL 3ERVICE 523 W. High St.
such a care program can recover areas where outdoor time is
$1,000 in value of the $330 aver- limited, a pool or water feature %STABLISHED IN WHY RENT WHEN YOU CAN BUY?
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choosing materials for projects,
an idea of how a pool will fare in a
those that offer low-maintenance
benefits can be preferential. given neighborhood. Refinance or Purchase. Just Tell Us How Much!
These include low-maintenance
EQUAL HOUSING
Outdoor improvements can im- OPPORTUNITY
LOAN AMOUNT MONTHLY PMT. $0 Down Payment
patio materials, composite deck- prove the marketability of a home, as Required.
ing, vinyl fencing, and inorganic well as enhance its appearance and $50,000 $255.03
Term is 30 Years.
mulched beds. function. $75,000 $381.70 Fixed rate is 4.50%
ACCREDITED
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6 Thursday, March 5, 2020 Real Estate MarketPlace The Lima News
The differences between
organic and inorganic mulches
The benefits of mulch are widely distinguish between these two classes because they help soil retain mois-
known among lawn and garden can help homeowners choose the best ture, improve soil fertility and help to
enthusiasts. By insulating soil from mulch for their properties. deter weed growth.
extreme temperatures, helping soil to Organic mulch Inorganic mulches
retain moisture and preventing weed Organic mulches are made up Inorganic mulches are permanent
growth, mulch can help plants, trees of materials that decompose over because they do not decompose over
and gardens thrive, even during pe- time. The experts at BobVila.com time. Gravel, brick chips and crushed
riods when Mother Nature can make note that, because they decompose stone are examples of inorganic
that very difficult. over time, organic mulches must be mulches. Homeowners who do not in- they can be detrimental to plants in
Novice gardners may find replenished on a regular bais. Hard- tend to plant after laying mulch may areas where weather tends to be very
themselves a little confused when wood and softwood chips are among lean toward inorganic mulches, as dry and hot.
visiting a lawn and garden center to the most popular and recognizable they won’t require much work, if any, The right mulch for a given property
purchase mulch. That’s because there organic mulches. Evergreen needles, after being laid. However, the Chicago depends on a host of factors. Under-
are various types of mulches. One of leaves, grass clippings, and compost Botanic Garden notes that inorganic standing the differences between
the ways to simplify that is to break mixes also fall under the organic mulches do not improve soil quality. organic and inorganic mulches is a
mulches down into two main classes: mulch umbrella. Many gardening In fact, because inorganic mulches great first step toward finding the right
organic and inorganic. Learning to enthusiasts prefer organic mulches like rocks and stones absorb heat, mulch for your landscape.
Make Your Dream Home A Reality!
Liberty National Bank has the loan to meet your needs:
•First-time homebuyers special
•Construction loans
•Fixed Rates
•USDA loans - 100% financing available
•Variable Rates
Angela Dawn Hersh Stop by or fill out our Online Mortgage application at Ryan J. Lane
Assistant Vice President
Vice President of
Mortgage Lending www.MyLiberty.bank. Mortgage and Consumer Lender
ahersh@MyLiberty.bank rlane@MyLiberty.bank
Expect the Best®
NMLS ID #: 466766 NMLS ID #: 564318
Ada Office: 419-634-5015 Kenton Office: 419-673-1217
www.MyLiberty.bank
OH-70174978T
Certain restrictions may apply. Subject to credit approval.
The Lima News Real Estate MarketPlace Thursday, March 5, 2020 7
Mulching
mistakes to avoid
Landscape features vary significantly Virginia Tech and Virginia State
from house to house. Some homeown- University recommends applying
ers may prefer water features on their mulch no less than two inches in
properties, while others focus on flowers depth. Anything less than that will
that would be the envy of a botanical prove ineffective at preventing weed
garden. Regardless of those preferences, growth and helping the soil retain
lawn and garden enthusiasts who want moisture, and that means you will
to make their properties as idyllic as need to water more often.
possible may eventually look to mulch to • Poorly located mulch: Mulch
help them accomplish that goal. should not be placed too close to
Mulch helps soil retain moisture, plant stems or tree trunks. When it
which promotes strong, healthy flow- is, tissue is so wet that it makes for
ers, plants, trees, and shrubs. And be- a perfect environment for disease
cause soil beneath mulch retains more and insect infestation.
moisture than soil that’s not protected • Failing to mulch to the drip line:
by mulch, homeowners won’t have to The drip line of a tree refers to the
spend as much time watering mulched outermost circumference of the tree’s
landscapes. That saves time and canopy from which water drips onto
conserves water, which can be a big the ground. The VCE recommends HOME MORTGAGES
benefit in areas prone to drought and/ mulching to the drip line of a plant or
or especially hot summers. Mulch also tree, which ensures the plant or tree
helps to suppress weed growth, which will get the most out of the mulch. Dream Loan.
can ensure all that hard work needed
to create an eye-catching garden won’t
Mulching to the drip line also mini-
mizes competition from the grass, Dream Home.
be compromised by the presence of leading to stronger plants and trees.
unsightly, thirsty weeds.
• Failing to weed before mulching:
Mulching seems like a simple task, Weeds should be removed prior to
and it can be. But that does not mean mulching. If they’re not, the mulch
homeowners cannot make mistakes can provide the same growing envi-
when mulching. The following are some ronment for weeds that you’re trying
common mulching mistakes to avoid as to create for your plants and trees. eMail PA N N I N G FA M I LY NE W CONSTRUC TION HOMEOWNERS
lawn and garden season hits full swing. Mulching benefits a landscape in Dear Eagle,
• Not enough mulch: Mulch is inef- myriad ways, especially when home- We started our marriage over 35 years ago with a
fective when spread too thin. The owners avoid some common mulching promise. Both of us wanted to live in a house that
Virginia Cooperative Extension at mistakes. we built ourselves. You helped us get the loan in
just 30 days. Thank you!
Sincerely, The Panning Family
Watch their story and
start your conversation at
First-Fed.com/EagleMail
OH-70175005T
2600 Allentown Rd., Lima | 419-224-2265
Offer of credit subject to credit approval.
NMLS# 424191 2565 Shawnee Rd., Lima | 419-221-1312
8 Thursday, March 5, 2020 Real Estate MarketPlace The Lima News OH-70175004T
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