FOR SALE

→ 67 Zinnia Ln - Napa

$529,900

Napa County

67 Zinnia Lane

Offered for $529,900

4 Bedrooms | 3 Baths | 2,714 sq. ft.

FEATURES

• MLS ID:324079937
• 4 Bedrooms
• 3 Baths
• 2,714 sq. ft.
• +/- 1/2 Acre Lot

• Development: Circle Oaks
• HOA: Yes
• Topography: Woods & Hills
• Open Concept
• Investment Opportunity

• Flip it - Keep It
• Rustic Charm
• Wood Burning Stove
• Multiple Building Sites
• Open Concept Layout

• Lots of Natural Light
• Downstairs Development Potential
• Potential AirBnB
• Between Napa and Solano Counties
• Views

SUMMARY

Charming Country Fixer - A Rare Investment Opportunity in the Heart of Circle Oaks

Every home has a story, and this one is ready for its next chapter—waiting for you to shape its future. Nestled on a serene ½-acre lot, this property offers an enchanting retreat with endless potential. With just a bit of TLC, this diamond in the rough can become a bespoke country oasis, whether as a primary residence, a vacation getaway, or a lucrative investment property.

The main living space welcomes you with rustic charm, featuring a cozy wood-burning stove and an open-concept layout, while natural light pours through the windows, creating a warm, inviting ambiance. The kitchen offers rustic appeal, with plenty of space for culinary creativity. Downstairs, a partially finished lower level hints at exciting possibilities—transform it into an in-law unit with a private entrance and kitchenette, ideal for multi-generational living or rental income.

Step outside to discover two spacious decks, each a perfect setting for morning coffee, evening cocktails, or gatherings with friends, all set against the breathtaking countryside views. The outdoors becomes an extension of your living space, where you can immerse yourself in nature's beauty.

Discover Life in Circle Oaks

Tucked within the rolling hills of Napa County, Circle Oaks is an unincorporated community that offers a unique blend of rustic tranquility and proximity to the best of wine country. Located just 15 minutes from downtown Napa, this area provides a peaceful escape without sacrificing easy access to renowned restaurants, boutique shopping, and cultural attractions. Nearby, the scenic landscapes of Gordon Valley and Wooden Valley invite you to explore local wineries, creating opportunities for weekend adventures.

LISTING AGENT

WHO YOU WORK WITH MATTERS

Emily, Melinda and Kaily

DRE Lic# 01726029

DRE Lic# 02153614

DRE Lic# 02224415

The Capp's are fourth  and fifth generation wine growers in the Suisun Valley wine region. The Capp family name has been synonymous with agriculture, grapes and wine.  Spending almost 20 years in the title and mortgage industry Melinda, Emily and Kaily Capp bring over 16 years combined real estate sales experience. Backed by NavigateRE and the RESAAS reach of over 436,000 agents in over 100+ countries you can trust your home will gain true global exposure.

"Every home has a unique story and we would like the opportunity to tell yours. With a focused approach of analysis, communication, perseverance and patience that sets us apart from our peers. The Capp and Capp team listens to their clients, then using their extensive knowledge of inventory, financing and contacts, they empower their clients to make informed, satisfying decisions."

If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Solano and Napa Counties are your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.

SELL WITH US

BUY WITH US

Min Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Max Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Bed 1 2 3 4 5 6 7 8 Bath 1 2 3 4 5 6 7 8

Wherever you're going... We'll get you there!

We see home as more than a house, so we approach real estate as more than a transaction. It's how we build relationships - by making people feel happy and confident about the biggest investment of their lives. This is more than our profession; it's our passion because our family never forgets how much home truly means to you and your family. So when you're ready for your next moment or your next adventure, call The NavigateRE. We'll help you get there.

TESTIMONIALS

WHAT OUR HAPPY CLIENTS SAY...

"Melinda Capp is a great agent. She made sure I understood all the paperwork and she answered all of my questions. Melinda also helped me purchase my first home under the asking price. She treated me like family. I can’t wait to purchase my second home. If you’re buying a home make sure you contact Melinda Capp!"

-CLIFF COOL

"Melinda is awesome at what she does. She helped my husband and I buy our first home in 2010 and recently helped us sale our home in 2017. She is very knowledgeable, professional and overall great person."

-Shermeka Jones

"Melinda was so wonderful throughout the whole process of buying my first home. She helped me close on my dream home in 15 days! She was fast with the paperwork and always available for any questions or assistance. I would highly recommend Melinda to anyone looking to buy or sell a home!"

-Haley Hull

For 12/21/2024

30 Year Fixed	6.875%
15 Year Fixed	6.25%
7/6 ARM	7.25%

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

Mortgage calculator estimates are provided by NavigateRE and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.

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FOR SALE

→ +/-131 Acres Quail Ridge - Napa

$2,900,000

Napa

Quail Ridge Road

+/- 131 Acres Land

Offered for $2,900,000

+/- 131 Acre Lot

Prime Development

Multiple Building Sites

360 Degree Views

$2,900,000

SUMMARY

Every Home Has a Story, and yours awaits to be unveiled on this Expansive Lot! Situated within the heart of this coveted neighborhood lies a true gem, Here, you'll discover an opportunity to actualize the lifestyle you've always envisioned—a pristine canvas awaiting your discerning touch.

Envision stepping beyond the threshold into your own personal sanctuary, where the horizons of possibility stretch as far as the eye can see. Transform this sprawling lot into a verdant garden retreat, adorned with flourishing flora and serene water features. Imagine cultivating a thriving vegetable garden, reaping the rewards of your labor with each abundant harvest. Alternatively, picture a tranquil outdoor haven, offering respite from the demands of daily life amidst the tranquility of your private domain.

Embrace the journey of homeownership and embark on an odyssey brimming with limitless possibilities and untapped potential. From intimate gatherings with loved ones to moments of quiet contemplation, this is where your narrative truly begins. Welcome home to a place where dreams take root and legacies are forged—your story starts here!"

FEATURES

MLS ID: 324078600

+/- 131 Acres

Development Site

Multiple Building Sites

Gated Property

Views: Bay, Bridges, City, Mountains, Orchard, Panoramic, Ridge, Valley, Vineyard

Roads: Dirt, Paved

Topographry: Woods Topography, Gently Sloped, Hillside, Hilltop, Hilly, Rolling, Trees

Electricity: At Lot Line

Gordon Valley - Napa County

Development Status: Building Site Cleared

Email Melinda

Download Digital Book Here

Download Digital Book Here

FEATURES

MLS ID: 324078600

+/- 131 Acres

Development Site

Multiple Building Sites

Gated Property

Views: Bay, Bridges, City, Mountains, Orchard, Panoramic, Ridge, Valley, Vineyard

Roads: Dirt, Paved

Topographry: Woods Topography, Gently Sloped, Hillside, Hilltop, Hilly, Rolling, Trees

Electricity: At Lot Line

Gordon Valley - Napa County

Development Status: Building Site Cleared

Email Melinda

LISTING AGENT

WHO YOU WORK WITH MATTERS

Emily, Melinda and Kaily

DRE Lic# 01726029

DRE Lic# 02153614

DRE Lic# 02224415

The Capp's are fourth  and fifth generation wine growers in the Suisun Valley wine region. The Capp family name has been synonymous with agriculture, grapes and wine.  Spending almost 20 years in the title and mortgage industry Melinda, Emily and Kaily Capp bring over 16 years combined real estate sales experience. Backed by NavigateRE and the RESAAS reach of over 436,000 agents in over 100+ countries you can trust your home will gain true global exposure.

"Every home has a unique story and we would like the opportunity to tell yours. With a focused approach of analysis, communication, perseverance and patience that sets us apart from our peers. The Capp and Capp team listens to their clients, then using their extensive knowledge of inventory, financing and contacts, they empower their clients to make informed, satisfying decisions."

If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Solano and Napa Counties are your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.

SELL WITH US

BUY WITH US

Min Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Max Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Bed 1 2 3 4 5 6 7 8 Bath 1 2 3 4 5 6 7 8

Wherever you're going... We'll get you there!

We see home as more than a house, so we approach real estate as more than a transaction. It's how we build relationships - by making people feel happy and confident about the biggest investment of their lives. This is more than our profession; it's our passion because our family never forgets how much home truly means to you and your family. So when you're ready for your next moment or your next adventure, call The NavigateRE. We'll help you get there.

TESTIMONIALS

WHAT OUR HAPPY CLIENTS SAY...

"Melinda Capp is a great agent. She made sure I understood all the paperwork and she answered all of my questions. Melinda also helped me purchase my first home under the asking price. She treated me like family. I can’t wait to purchase my second home. If you’re buying a home make sure you contact Melinda Capp!"

-CLIFF COOL

"Melinda is awesome at what she does. She helped my husband and I buy our first home in 2010 and recently helped us sale our home in 2017. She is very knowledgeable, professional and overall great person."

-Shermeka Jones

"Melinda was so wonderful throughout the whole process of buying my first home. She helped me close on my dream home in 15 days! She was fast with the paperwork and always available for any questions or assistance. I would highly recommend Melinda to anyone looking to buy or sell a home!"

-Haley Hull

For 12/21/2024

30 Year Fixed	6.875%
15 Year Fixed	6.25%
7/6 ARM	7.25%

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

Mortgage calculator estimates are provided by NavigateRE and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.

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SOLD

→ 156 Lakewood Ave., Vallejo

$550,000

🛏 3 Bedrooms

🛁 1 Bathrooms

🔲 1,132 sq. ft.

🗓️ Year Built 1954

💲 535,000

SUMMARY

Every Home Has a Story, and yours awaits to be unveiled on this Expansive Lot! Situated within the heart of this coveted neighborhood lies a true gem, Here, you'll discover an opportunity to actualize the lifestyle you've always envisioned—a pristine canvas awaiting your discerning touch.

Envision stepping beyond the threshold into your own personal sanctuary, where the horizons of possibility stretch as far as the eye can see. Transform this sprawling lot into a verdant garden retreat, adorned with flourishing flora and serene water features. Imagine cultivating a thriving vegetable garden, reaping the rewards of your labor with each abundant harvest. Alternatively, picture a tranquil outdoor haven, offering respite from the demands of daily life amidst the tranquility of your private domain.

Embrace the journey of homeownership and embark on an odyssey brimming with limitless possibilities and untapped potential. From intimate gatherings with loved ones to moments of quiet contemplation, this is where your narrative truly begins. Welcome home to a place where dreams take root and legacies are forged—your story starts here!"

SPECIFICATIONS

 

 

 

 

MLS ID: 324019519 Bedrooms: 3 Bathrooms: 1 Square Feet: 1,132 Year Built: 1954

Lot Size: 11,326 sq. ft. Subdivision: Castlewood Gardens Size: Single Story Parking: 2 Car Garage  HOA: No

 

 

 

🗓️ Schedule Showing

📧 Contact Us

📞 707.803.0598

 

FEATURES

• Fireplace
• Wood like Floors
• Microwave
• Stove

• Oven
• Dishwasher
• Open Living
• Updated Kitchen

• Backyard Deck
• Shed
• Large Patio
• Provacy

LISTING AGENT

WHO YOU WORK WITH MATTERS

Emily, Melinda and Kaily

DRE Lic# 01726029

DRE Lic# 02153614

DRE Lic# 02224415

The Capp's are fourth  and fifth generation wine growers in the Suisun Valley wine region. The Capp family name has been synonymous with agriculture, grapes and wine.  Spending almost 20 years in the title and mortgage industry Melinda, Emily and Kaily Capp bring over 16 years combined real estate sales experience. Backed by NavigateRE and the RESAAS reach of over 436,000 agents in over 100+ countries you can trust your home will gain true global exposure.

"Every home has a unique story and we would like the opportunity to tell yours. With a focused approach of analysis, communication, perseverance and patience that sets us apart from our peers. The Capp and Capp team listens to their clients, then using their extensive knowledge of inventory, financing and contacts, they empower their clients to make informed, satisfying decisions."

If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Solano and Napa Counties are your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.

SELL WITH US

BUY WITH US

Min Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Max Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Bed 1 2 3 4 5 6 7 8 Bath 1 2 3 4 5 6 7 8

Wherever you're going... We'll get you there!

We see home as more than a house, so we approach real estate as more than a transaction. It's how we build relationships - by making people feel happy and confident about the biggest investment of their lives. This is more than our profession; it's our passion because our family never forgets how much home truly means to you and your family. So when you're ready for your next moment or your next adventure, call The NavigateRE. We'll help you get there.

TESTIMONIALS

WHAT OUR HAPPY CLIENTS SAY...

"Melinda Capp is a great agent. She made sure I understood all the paperwork and she answered all of my questions. Melinda also helped me purchase my first home under the asking price. She treated me like family. I can’t wait to purchase my second home. If you’re buying a home make sure you contact Melinda Capp!"

-CLIFF COOL

"Melinda is awesome at what she does. She helped my husband and I buy our first home in 2010 and recently helped us sale our home in 2017. She is very knowledgeable, professional and overall great person."

-Shermeka Jones

"Melinda was so wonderful throughout the whole process of buying my first home. She helped me close on my dream home in 15 days! She was fast with the paperwork and always available for any questions or assistance. I would highly recommend Melinda to anyone looking to buy or sell a home!"

-Haley Hull

For 12/21/2024

30 Year Fixed	6.875%
15 Year Fixed	6.25%
7/6 ARM	7.25%

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

Mortgage calculator estimates are provided by NavigateRE and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.

Loading Contact Me...

Why Overpricing Your House Can Cost You

If you’re trying to sell your house, you may be looking at this spring season as the sweet spot – and you’re not wrong. We’re still in a seller’s market because there are so few homes for sale right now. And historically, this is the time of year when more buyers move, and competition ticks up. That makes this an exciting time to put up that for sale sign.

But while conditions are great for sellers like you, you’ll still want to be strategic when it comes time to set your asking price. That’s because pricing your house too high may actually cost you in the long run.

The Downside of Overpricing Your House

The asking price for your house sends a message to potential buyers. From the moment they see your listing, the price and the photos are what’s going to make the biggest first impression. And, if it’s priced too high, you may turn people away. As an article from U.S. News Real Estate says:

“Even in a hot market where there are more buyers than houses available for sale, buyers aren't going to pay attention to a home with an inflated asking price.”

That’s because no homebuyer wants to pay more than they have to, especially not today. Many are already feeling the pinch on their budget due to ongoing home price appreciation and today’s mortgage rates. And if they think your house is overpriced, they may write it off without even stepping foot in the front door, or simply won’t make an offer if they think it’s priced too high.

If that happens, it’s going to take longer to sell. And ideally you don’t want to have to think about doing a price drop to try to re-ignite interest in your house. Why? Some buyers will see the price cut as a red flag and wonder why the price was reduced, or they’ll think something is wrong with the house the longer it sits. As an article from Forbes explains:

“It’s not only the price of an overpriced home that turns buyers off. There’s also another negative component that kicks in. . . . if your listing just sits there and accumulates days on the market, it will not be a good look. . . . buyers won’t necessarily ask anyone what’s wrong with the home. They’ll just assume that something is indeed wrong, and will skip over the property and view more recent listings.”

Your Agent’s Role in Setting the Right Price

Instead, pricing it at or just below current market value from the start is a much better strategy. So how do you find that ideal asking price? You lean on the pros. Only an agent has the expertise needed to research and figure out the current market value for your home.

They’ll factor in the condition of your house, any upgrades you’ve made, and what other houses like yours are selling for in your area. And they’ll use all of that information to find that target number. The right price will bring in more buyers and make it more likely you’ll see multiple offers too. Plus, when homes are priced right, they still tend to sell quickly.

Bottom Line

Even though you want to bring in top dollar when you sell, setting the asking price too high may deter buyers and slow down the sales process.

Let’s connect to find the right price for your house, so we can maximize your profit and still draw in eager buyers willing to make competitive offers.

Quail Ridge Dr

October 10, 2024

3 Bedroom | 1 Bath | 1,132 sq. ft. – $450,000

Read More

156 Lakewood Ave

October 10, 2024

3 Bedroom | 1 Bath | 1,132 sq. ft. – $450,000

Read More

Why Overpricing Your House Can Cost You

April 5, 2024

If you’re trying to sell your house, you may be looking at this spring season as the sweet spot – and you’re not wrong. We’re still in a seller’s market because there are so few homes for sale right now.

Read More

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WHO YOU WORK WITH MATTERS

Emily, Melinda and Kaily

DRE Lic# 01726029

DRE Lic# 02153614

DRE Lic# 02224415

The Capp's are fourth  and fifth generation wine growers in the Suisun Valley wine region. The Capp family name has been synonymous with agriculture, grapes and wine.  Spending almost 20 years in the title and mortgage industry Melinda, Emily and Kaily Capp bring over 16 years combined real estate sales experience. Backed by NavigateRE and the RESAAS reach of over 436,000 agents in over 100+ countries you can trust your home will gain true global exposure.

"Every home has a unique story and we would like the opportunity to tell yours. With a focused approach of analysis, communication, perseverance and patience that sets us apart from our peers. The Capp and Capp team listens to their clients, then using their extensive knowledge of inventory, financing and contacts, they empower their clients to make informed, satisfying decisions."

If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Solano and Napa Counties are your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.

SELL WITH US

BUY WITH US

Min Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Max Price $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Bed 1 2 3 4 5 6 7 8 Bath 1 2 3 4 5 6 7 8

Wherever you're going... We'll get you there!

We see home as more than a house, so we approach real estate as more than a transaction. It's how we build relationships - by making people feel happy and confident about the biggest investment of their lives. This is more than our profession; it's our passion because our family never forgets how much home truly means to you and your family. So when you're ready for your next moment or your next adventure, call The NavigateRE. We'll help you get there.

TESTIMONIALS

WHAT OUR HAPPY CLIENTS SAY...

"Melinda Capp is a great agent. She made sure I understood all the paperwork and she answered all of my questions. Melinda also helped me purchase my first home under the asking price. She treated me like family. I can’t wait to purchase my second home. If you’re buying a home make sure you contact Melinda Capp!"

-CLIFF COOL

"Melinda is awesome at what she does. She helped my husband and I buy our first home in 2010 and recently helped us sale our home in 2017. She is very knowledgeable, professional and overall great person."

-Shermeka Jones

"Melinda was so wonderful throughout the whole process of buying my first home. She helped me close on my dream home in 15 days! She was fast with the paperwork and always available for any questions or assistance. I would highly recommend Melinda to anyone looking to buy or sell a home!"

-Haley Hull

For 12/21/2024

30 Year Fixed	6.875%
15 Year Fixed	6.25%
7/6 ARM	7.25%

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

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Bottom Line

Chances are at some point in your life you’ve heard the phrase, home is where the heart is. There’s a reason that’s said so often. Becoming a homeowner is emotional.

So, if you’re trying to decide if you want to keep on renting or if you’re ready to buy a home this year, here’s why it’s so easy to fall in love with homeownership.

Customizing to Your Heart’s Desire

Your house should be a space that’s uniquely you. And, if you’re a renter, that can be hard to achieve. When you rent, the paint colors are usually the standard shade of white, you don’t have much control over the upgrades, and you’ve got to be careful how many holes you put in the walls. But when you’re a homeowner, you have a lot more freedom. As the National Association of Realtors (NAR) says:

“The home is yours. You can decorate any way you want and choose the types of upgrades and new amenities that appeal to your lifestyle.”

Whether you want to paint the walls a cheery bright color or go for a dark moody tone, you can match your interior to your vibe. Imagine how it would feel to come home at the end of the day and walk into a space that feels like you.

Greater Stability for the Ones You Love Most

One of the hardest things about renting is the uncertainty of what happens at the end of your lease. Does your payment go up so much that you have to move? What if your landlord decides to sell the property? It’s like you’re always waiting for the other shoe to drop. Jeff Ostrowski, a business journalist covering real estate and the economy, explains how homeownership can give you more peace of mind in a Money Geek article:

“Homeownership means you are the boss and have the biggest say in your lifestyle and family decisions. Suppose your kids are in public school and you don’t want to risk having them change schools because your landlord doesn’t renew your lease. Owning a home would remove much of the risk of having to move.”

A Feeling of Belonging

You may also find you feel much more at home in the community once you own a house. That’s because, when you buy a home, you’re staking a claim and saying, I’m a part of this community. You’ll have neighbors, block parties, and more. And that’ll give you the feeling of being a part of something bigger. As the International Housing Association explains:

“. . . homeowning households are more socially involved in community affairs than their renting counterparts. This is due to both the fact that homeowners expect to remain in the community for a longer period of time and that homeowners have an ownership stake in the neighborhood.”

The Emotional High of Achieving Your Dream

Becoming a homeowner is a journey – and it may have been a long road to get to the point where you’re ready to take the plunge. If you’re seriously considering leaving behind your rental and making this commitment, you should know the emotions that come with this owning a home are powerful. You’ll be able to walk up to your front door every day and have that sense of accomplishment welcome you home.

Bottom Line

A home is a place that reflects who you are, a safe space for the ones you love the most, and a reflection of all you’ve accomplished. Let’s connect if you’re ready to break up with your rental and buy a home.

If you’re getting ready to buy a home, it’s exciting to jump a few steps ahead and think about moving in and making it your own. But before you get too far down the emotional path, there are some key things to keep in mind after you apply for your mortgage and before you close. Here’s a list of things to remember when you apply for your home loan.

Don’t Deposit Large Sums of Cash

Lenders need to source your money, and cash isn’t easily traceable. Before you deposit any cash into your accounts, discuss the proper way to document your transactions with your loan officer.

Don’t Make Any Large Purchases

It’s not just home-related purchases that could disqualify you from your loan. Any large purchases can be red flags for lenders. People with new debt have higher debt-to-income ratios (how much debt you have compared to your monthly income). Since higher ratios make for riskier loans, borrowers may no longer qualify for their mortgage. Resist the temptation to make any large purchases, even for furniture or appliances.

Don’t Cosign Loans for Anyone

When you cosign for a loan, you’re making yourself accountable for that loan’s success and repayment. With that obligation comes higher debt-to-income ratios as well. Even if you promise you won’t be the one making the payments, your lender will have to count them against you.

Don’t Switch Bank Accounts

Lenders need to source and track your assets. That task is much easier when there’s consistency among your accounts. Before you transfer any money, speak with your loan officer.

Don’t Apply for New Credit

It doesn’t matter whether it’s a new credit card or a new car. When your credit report is run by organizations in multiple financial channels (mortgage, credit card, auto, etc.), it will have an impact on your FICO® score. Lower credit scores can determine your interest rate and possibly even your eligibility for approval.

Don’t Close Any Accounts

Many buyers believe having less available credit makes them less risky and more likely to be approved. This isn’t true. A major component of your score is your length and depth of credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both of those parts of your score.

Do Discuss Changes with Your Lender

Be upfront about any changes that occur or you’re expecting to occur when talking with your lender. Blips in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved. If your job or employment status has changed recently, share that with your lender as well. Ultimately, it’s best to fully disclose and discuss your intentions with your loan officer before you do anything financial in nature.

Bottom Line

You want your home purchase to go as smoothly as possible. Remember, before you make any large purchases, move your money around, or make major life changes, be sure to consult your lender – someone who’s qualified to explain how your financial decisions may impact your home loan.

If you’ve owned your house for at least a couple of years, there’s something you’re going to want to know more about – and that’s home equity. If you’re not familiar with that term, Freddie Mac defines it like this:

“. . . your home’s equity is the difference between how much your home is worth and how much you owe on your mortgage.”

That means your equity grows as you pay down your home loan over time and as home values climb. While it’s true home prices dipped slightly last year, they rebounded and have been climbing in many areas since then. Here’s why that price growth is good news for you.

In the latest Equity Insights Report, Selma Hepp, Chief Economist at CoreLogic, explains:

“With price gains continuing to help homeowners build wealth, equity has reached a new high and regained losses that resulted from declines last year. And while the average U.S. homeowner gained over $20,000 in additional equity compared with the third quarter of 2022, some markets are seeing larger increases as price growth catches up.”

And that figure is just for the last year. To help you really understand how that number can add up over time, the report also says the average homeowner with a mortgage has more than $300,000 in equity. That much equity can have a big impact.

Here are a few examples of how you can put your home equity to work for you.

1. Buy a Home That Fits Your Needs

If your current space no longer meets your needs, it might be time to think about moving to a bigger home. And if you’ve got too much space, downsizing to a smaller one could be just right. Either way, you can put your equity toward a down payment on something that fits your changing lifestyle.

2. Reinvest in Your Current Home

And, if you’re not ready to move just yet, you can use the equity you have to improve your current home. But it’s important to consider the long-term benefits certain upgrades can bring to your home’s value. A real estate agent is a great resource on which projects to prioritize to get the greatest return on your investment when you sell later on.

3. Pursue Personal Ambitions

Home equity can also serve as a catalyst for realizing your life-long dreams. That could mean investing in a new business venture, retirement, or funding an education. While you shouldn’t use your equity for unnecessary spending, using it responsibly for something meaningful and impactful can really make a difference in your life.

4. Understand Your Options to Avoid Foreclosure

While the number of foreclosure filings remains below the norm, there are still some homeowners who go into foreclosure each year. If you’re in a tough spot financially, having a clear understanding of your options can help. Equity can act as a cushion if you’re not able to make your mortgage payments on time.

Bottom Line

If you want to know how much equity you have in your home, let’s connect. That way you have someone who can do a professional equity assessment report on how much you’ve built up over time. Then let’s talk through how you can use it to help you reach your goals.