Winterizing your home! Steps to take for newbies. Or if you’ve been around a while.

October 24, 2020October 24, 2020 Mary2 Comments

Are you a new home owner? Is this your first winter in the northern part of the country? Your house takes on a whole new meaning when it’s what is standing between you and below zero temps, howling winds and piles of snow.

In this post, I want to give you some tips for winterizing your home and heading off potential trouble right when you want it least. These aren’t in any particular order, and almost all of them are easy to accomplish, but NOT doing them can lead to a world of hurt.

Tune up your furnace. Have someone come out and service it and make sure that it’s functioning well. One thing you’ll notice is that furnaces malfunction at the very worst of times – probably because a lot more is being asked of them when it’s very cold and you want this to be the time when your furnace rises to the challenge.

If you have a high efficiency gas furnace, you will have 2 PVC pipes that exhaust out the side of your home. It is really important that these two pipes are free of any obstructions. And if snow gets high enough, you’ll want to make sure that the snow isn’t blocking them either.

Make sure you change the filter, and change it monthly when the weather gets cold and it’s running. Contrary to common belief – you want a thinner filter! We had been spending all kinds of money on “good filters” only to be told by our furnace tech that it actually inhibits airflow and that is BAD for the furnace – you want dirt filtered out but AIR going in for best results.

Boilers that service radiators need attention too! Once a year before it gets cold have someone take a look.

Clean and inspect your chimney. If you have a wood burning stove or fireplace, before you light a fire make sure that the chimney is CLEANED. Soot builds up in the chimney and it is flammable – everyone wants to be able to put their feet up in front of the fire, but no one wants a chimney fire.

Check the batteries and AGE of your CO/smoke detectors. Winter is when carbon monoxide poisonings are most likely to happen. Make sure your batteries are functioning – we like to change them at the fall time change.

Your detectors should have a date on them, but if not know that they should be replaced every 10 years just due to the fact that dust builds up and makes them less dependable. And if it’s time to replace them – think about going with the photoelectric instead of ionization type of detector. I’ve seen demos of the difference and it can be 15 minutes more escape time gained with a photoelectric alarm.

Turn off exterior water. Before it gets truly cold, shut off water to hoses. And if you have pipes that run along exterior walls INSIDE the house – think about putting some insulation around them. Pipes can & do freeze in winter, and when this happens the water doesn’t stay inside the pipe, it flows freely throughout your walls and causes a LOT of damage. This 10 minute task will bring you a lot of peace of mind.

Clean your gutters. When all of that snow and ice melts – it needs a place to go. You want your gutters to be able to guide it AWAY from your house. Having them clean is the way to go.

Cover the TOP of your AC unit. if you have central air, don’t put a full cover over the compressor (it will attract animals looking for shelter and hold moisture in), but if you set a piece of plywood on top and put a couple of bricks on it, it keeps things from getting into the unit.

Change the rotation of your ceiling fans. Fans can switch direction, heat rises and you stay down by the floor, so if you have tall ceilings, change the setting so that the fan rotates CLOCKWISE and the warm air will be pushed downward toward where people are.

Stock up on GRIT. In MN, that’s what they call it. It’s a mix of sand that you can scatter on your sidewalks and driveway to keep yourself from wiping out. I have a friend who broke her ribs trying to walk to her car because of ice. I highly recommend trying to AVOID this with liberal use of GRIT.

Air Seal. This one… is not really DIY, but I dream of doing it to my house because I fear ice dams which are caused when heat gets into attics and melts snow which then freezes on the edge of the roof. This can cause a lot of problems that I don’t want to have. And it takes a suprisingly small amount of heated air to create this issue, so if you can have someone crawl around up in your attic and seal up any hole from wiring, pipes or chimneys that allows warm air up there, you can potentially save yourself a roof and ceiling if winter conditions cause ice dams.

mschumann@kw.com

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Minnesota Pros and Cons

October 9, 2020 MaryLeave a comment

Put on your buffalo plaid flannel shirt, grab your ax, and head to the cabin!

Or something like that.

If you’re thinking about moving to Minnesota you may be wondering if the stereotypes are real – is everyone nice?!? ARE there 10,000 lakes? Does everyone say “you betcha!”? (kinda, more than that & no.)

Why do people like it here?

By “here”, I’m going to say the Twin Cities Metro area + the hinterlands.

PROS:

Minnesota Nice. It’s a midwestern thing, I think. For the most part people look out for their neighbors and are willing to pitch in and help when you need it. They will definitely give you some friendly conversation in the grocery store check out line. I often also read that while Minnesotans are nice, they won’t allow you into their inner circle easily. I honestly don’t think it’s any different here than anywhere else I’ve lived. The way to get close to people in the community is to make the effort yourself – get involved in things you enjoy and you’ll find your group.

Photo by Sharon McCutcheon on Pexels.com

Cultural diversity. Yes, nearly 84% of the population of the STATE is white. Look, it was settled by Scandinavians – they are a pale people. However! Minneapolis has a more diverse population – and with that comes the art, culture & food that makes a city vibrant. If you didn’t know better you might believe that the food would be bland here, and while it’s not like Chicago or New York, you will not be stuck eating tater tot hotdish every day (unless you want to- then have at it!). There is a Vietnamese population that keeps everyone happily eating Pho, and one of my favorite restaurants is Ethiopian, among many others.

Autumn. People talk about going to New England to see the leaves… well, I am 100% sure that New England doesn’t have anything on Minnesota! Autumn here is something to behold. In addition to the leaves, crisp temperatures and apple orchards, if you like birds MN is a hot spot for bird migration in the fall and you can see some very unusual ones. One of my favorite things to do in September is bike over to Longfellow Gardens in the city – it’s a work of art with annuals and perennials and apparently the hummingbirds think so too – they stop on their migration south and there are days when you can see about 100 of them getting rest and fuel for their journey. It gives me awe to see them like that.

Lake Culture. I’m calling it a culture because it really is a way of life here. Even when you live in the city, summers are spent at the MANY lakes in and around the metro area. Swimming at the beaches, eating at the beachside cafes, paddleboarding, kayaking or sailing on the water. Many people have lake cabins here, and spend weekends and holidays there. And winter is no exception, either! If you like cross country skiing on flat surfaces, lakes freeze to depths of many feet and are safe to ski on, many people enjoy ice fishing and park their ice houses out on the lake and while away the day there, and we even have a lot of festivals held on lakes in winter – the Eelpout Festival is HUGE in northern MN, but down in the cities we have things like the Kite Festival and the Art Shanties on Lake Harriet.

CONS! What? yes, there are negatives… according to some people…

Winter… I am wincing as I write this because I like winter, but there are some days in winter here where you kind of question your sanity. Average winter temps are about 10 degrees F. Wind chill adds another dimension. It is cold, but not awful (dress properly! See my video about surviving winter in MN!). We do have cold snaps that are significantly below zero for a few days every winter. In northern MN, a friend of mine posted a photo of her car thermostat showing an external temp of -41. School still happens. Life goes on, you won’t hear a lot of moaning and groaning because it is what it is. Anyone can make it through a couple of nasty cold snaps, but what tends to weigh on people are the short days (the sun sets around 4:30pm and rises at around 8am), and while it’s often quite sunny here, that can feel like not quite enough. Winter also feels like it stretches on a ways. We usually have a frost in the beginning of October and first snowfall (that doesn’t stick) by Halloween.

Slower pace. Once again – this is how you look at it. Personally, I don’t mind. I’ve lived fast paced in Chicago for a long while – LOVED it, but it can also be a big relief to not. The outdoor lifestyle here is naturally kind of a quieter way to be, people hunker down at bars for a drink and a good time with friends in winter, but it’s definitely got a slower pace. If you have kids, one thing that struck me here that I didn’t have in Chicago is that my daughter could play outside without intense scrutiny and people wanting to call DCFS. Kids still play in the park without parents helicoptering around them. It feels nice.

Bland food. Yes – this is the exact opposite of what I said before. But we are talking about MN as a whole here, and while you can find some great options in the cities, you are very likely to encounter a lot of “meat and potatoes” food as a whole. Nothing wrong with meat and potatoes, but sometimes you want something else. Also, the Minnesotan version of “spicey” is comical.

OK – that is IT for me today! Let me know if you think this sounds like something you can handle. 😉

mschumann@kw.com

612-234-5703

Home Buying · Living in Minneapolis · Neighborhood Tours

Is your kid headed to the U?

June 28, 2020 MaryLeave a comment

In the past couple of months I’ve had multiple people contact me as they explore housing options for their kids as they head off to college – either as an undergraduate coming from overseas to attend college in the US, or somewhat more locally, students from other parts of the US to pursue a graduate degree here in MN.

One parent in particular said that he had focused on tuition costs while saving for college and didn’t really give much thought to the fact that housing alone would be another $1000-$2000 / mo. Ouch. And that is to share a dorm room with between one and 3 other people.

So, maybe you start to think about renting an apartment instead? Well, rents here are not any better even if your space may be larger. Is renting a space the best way to spend your housing dollar? Possibly! But another thing to think about is buying a place and reaping the rental rewards for yourself, while enjoying possible tax benefits and putting your dollars toward an asset that you can eventually sell.

I used nerdwallet to see if this would be a “smart” move and made some assumptions – one that you’re buying a condo or a home with a purchase price of $300K and that because your family member is living there that you can put 20% down (not 25% as in an investment property). I also assumed that the interest rate would be around 3.5% which is actually HIGH for loans these days if you have decent credit. Why the BIG arrow and the underline and the exclamation point? Well, look at that payment!

This week I viewed condos that could have 3-4 students in them and were NICE listed at around $300K, walking distance or easy public transit to the U and they were getting $3000/mo in rent.

I’m quite literally sitting here wishing that I had $60K to put down RIGHT NOW so I could buy that condo and start bringing in an additional $1500/mo in rental income. (ok – this is a goal of mine for my own kid and yes, she’s only 12, and, ok, she may not attend the UMN, BUT!!!, I still have deep desires for income properties near the U.)

Median sales price in Marcy Holmes by the U over the past 3 years compared to the Twin Cities as a whole.

I even like this graph that shows that days on market are longer there – more of a buyers market! 🙂

OK – today’s video is a little tour of the area. I hope you like it. Let me know if you have questions!

mschumann@kw.com

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Living in Minneapolis · Neighborhood Tours

Four things to love about the Tangletown neighborhood!

June 19, 2020June 19, 2020 Mary1 Comment

I’m staying closer to home this week and highlighting another great neighborhood in south Minneapolis. I like to drive through here and let my jaw hang open looking at all of the beautiful homes.

#1 The homes…

This neighborhood is just chock full of very well cared for old homes. If you like the character and quality of homes built in the 1920’s, Tangletown is the place. Watch the video for a peek at the homes there, or just take a gander at the photo for this post which I took on a walk a few days ago.

Tangletown also has a row of Lustron homes along Nicollet Ave. One came up for sale last year and I was able to view it. It was like walking into a museum show piece – the owner had kept everything original and used period furnishings as well, but added a private outdoor patio / entertaining space that was ogle-worthy. If you’ve never seen a Lustron home read this article written about that particular home. It’s not everyone’s cup of tea, but I love that there is still room for different home styles and tastes.

Photo credit to Creator: Benjamin Clasen
Copyright 2019

If you are looking for history and charm this neighborhood should be at the top of your list. And it’s positively bucolic – the winding streets, well landscaped yards, terraced gardens, and mature trees give you the very best of what a city neighborhood can offer.

#2 I love a walkable neighborhood!

This is definitely a residential area, but as is typical in Minneapolis you’ll see little corners within neighborhoods that have a coffee shop, cafe or little boutique of some sort. On the larger streets – Nicollet, Lyndale or 50th there are little shopping centers and more to offer.

Tangletown has within its borders: Kowalski’s grocery, Starbucks and Caribou coffee, one of the best stocked liquor stores in the city – South Lyndale Liquors. If you need some obscure liquor to make your special cocktail they likely have it, along with a large selection of local craft beers. The Washburn library is a friendly place with a wide selection of books and activities and they are happy to help you get a copy of whatever you’re looking for brought to this branch. On Nicollet you can get your bagels or other fresh breads and sandwiches at Sunstreet Bread or St. Louis Bagelry. I like to throw a little love toward the local Ace hardware stores here too – Tangletown has one, and I have found them to be the most helpful places to buy whatever you need for your home. If you want some farm to table food and an outdoor patio – head to Wise Acre Eatery. And one of the best garden shops in the city – Tangletown Gardens – is located right next door.

And schools are walkable too! Washburn High School and Justice Page Middle School are located within Tangletown.

#3 Bike paths!

Ok – this isn’t unique to Tangletown, but they are right on one of the BEST bike paths in the city. The one that follows along Minnehaha Creek and connects the chain of lakes to Minnehaha Falls.

I should probably change the heading to “Minnehaha Creek” because it’s not just the path, but the creek itself. We often walk along the path and my dog loves to jump in for a swim. People also kayak or float on inner tubes down the creek in the summer. Just make sure you get off the creek before you hit the falls!

Last year I saw some kids fishing there and they pulled out an ENORMOUS fish. And it wasn’t the largest caught in the creek – check out this story from MPR on a monster sturgeon caught in the creek last year:

#4 Easy Access to Downtown

If you live in Tangletown you can be in the heart of Minneapolis in literally 10 minutes via the freeway (35W). Your commute can’t get much better than that.

So you get that neighborhood feel, walkable amenities, outdoor fun AND easy access to the more urban parts of Minneapolis.

Median home prices for Tangletown over 3 years as compared to TC Metro

mschumann@kw.com

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Living in Minneapolis · Neighborhood Tours

Ahhhh… Victoria. Seriously one of my very favorite towns!

June 13, 2020 MaryLeave a comment

I don’t live there, but I think it would be way better than a sharp stick to the eye. (My mom says that… sorry if you’re grossed out).

I do, however, spend time in Victoria whenever I get the chance.

My favorite things to do there are camp in the Carver Park Reserve – it’s not crowded, it’s clean, there is a really nice little beach, and a LOT of walking/hiking trails.

I also like camping there because it’s short trip into this adorable town for a civilized lunch, a glass of beer and / or an ice cream cone. I like my camping with a side of delicious food that I don’t have to cook. Haters… save it.

Victoria is located near the Landscape Arboretum and the UMN Apple House so you can get first dibs on the apple crop. Minnesotans are very in tune with apple varieties and that may be because the U breeds apples (is that the right term?) – they experiment and develop new varieties. Love your Honey Crisp? Thank the UMN. Into SweeTango’s … UMN.

Anyway – I’ve been out there a lot lately and not minding a bit. Check out what Victoria has to offer. Let me know if you have questions or ideas about another place you’d like to see. 🙂

mschumann@kw.com

612-234-5703

Living in Minneapolis

My summer Twin Cities to-do list!

May 26, 2020 MaryLeave a comment

I’m posting this on Memorial Day and it’s the start of summer, but we have some different challenges to deal with this summer while we still try to have as much fun as possible in the warm weather. So with that in mind I am presenting my list of 6 things to do this summer that are really fun and still allow for social distancing. #6 is INSANE and the one I most want to do. 🙂

Best things to do in Minneapolis / Best things to do in the Twin Cities

#1: Regular theaters are closed, but this may mean the rebirth of the drive-in! Minnesota still has several that have hung on and our love of movies and lack of theaters may be the shot in the arms that these theaters need. 🙂 My first pick is the Elko Drive-in theater. No, it’s not down the street from my house, but it’s more than a movie. Its a DRIVE-IN! When I was a kid my mom used to take us in the station wagon and we had our sleeping bags in the back and snacks ready. The “kid” movie was usually first and then they would play one for adults – thinking kids would have knocked out by then? The beauty of it then was that you paid by the car, not the person. Mom loved this. Unfortunately, Elko prices by the person $10 for adults and $5 for kids 12 & under. You can see what’s playing here: https://www.elkospeedway.com/drivein/

#2: Minnehaha Falls & Sea Salt Eatery

If you’re in the city head over to Minnehaha Falls and walk the trails. You can really work your glute muscles by climbing the stairs back up from the Falls when you’re done, about a 100 steps – you can challenge your family & see who wimps out – and even if they do they still have to get up there somehow, so see ya at the top! If it’s hot out you can wade in the creek and cool off – there are little “beach” areas that allow you to easily get in and out. While this year is not the same as past years and you won’t get to gather and listen to music and share picnic tables while drinking beer… (memories!) you can still order carry-out from Sea Salt Eatery and pick it up from the window and take it to a spot for a picnic. Check out Sea Salt’s online ordering here: https://www.seasaltmpls.com/

Chillaxing (I know that’s not cool. I’m not cool)

#3 Rent a Pontoon!

Pricier, but a lot of fun if you have up to about 10 people that you want to spend the day with is to rent a pontoon boat and spend time on the water and the beaches of the St. Croix River. It is a MASSIVE river that borders MN, and it’s only about a 40 minute drive to get to Stillwater MN or Hudson to rent one. We have done this several summers in a row. You can take your food on board and just hang out and relax all day long. We love it as a way to bring the “water culture” of Minnesota to guests. It’s especially nice because it appeals to all ages – my senior citizen mom loves it as much as my daughter.

#4 Bike the Midtown Greenway or bike paths

Even if you’re just visiting the city, this is a nice way to spend the day and there are day use bike rentals all over the city – our service is called Nice Ride https://www.niceridemn.com/ . It’s great because you never have to loop back to where you started, you can drop your bike at any station and grab a meal, or catch an Uber or a cab to where ever you want to go next. I love that this is an option now – for people that live here and want to use it for transportation or if you want to explore the Greenway, Grand Rounds bike trails around the lakes, or even make your way through the city in the bike lanes.

#5: Walker Art Center – Minneapolis Sculpture Garden

If you just want to wander and take in some art, the sculpture garden is a great place to go. They recently rehabbed the entire park and added a lot of new art that you can interact with. Then stop in the Walker or okay some mini golf nearby as well. And if you feel like exploring a little more, cross the bridge over the freeway and you’ll be in Loring Park – another little gem in Minneapolis.

#6 (this is my favorite) Drive a tank!

I am so intrigued with this idea. I’m not very interested in anything military, but the idea that you can actually DRIVE A TANK?!?! That just sounds FUN!!

It’s on my bucket list. I really wish I had first hand experience with this one. I would love to hear from you if you do!

They have changed their offerings a little bit for this year, but hey. Still looks awesome. It’s located in Kasota MN, which is about an hour south west of the city, but it seems like an experience worth driving for!

https://www.driveatank.com/

What are your favorite things to do in the Twin Cities?

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Living in Minneapolis

Moving to Minneapolis?

February 28, 2020February 26, 2020 MaryLeave a comment

Little joke for you – How do you get a Minnesotan to apologize? Step on their foot! ha ha! OPE!

We moved to MPLS several years ago for my husband’s job and before that happened I had given Minnesota approximately ZERO thought and had no idea what to expect. We came from Chicago and even though it’s also an upper-midwestern city, something about MINNESOTA seemed like a whole different animal – a COLD animal that lives in the middle of “fly-over” country. Well, I was pleasantly surprised and today I’m going to share a little about why. And, yes, it gets cold, but honestly, I love having 4 really distinct and wonderful seasons to fully enjoy and it seems that Minnesotans feel the same.

Minneapolis and the Twin Cities metro area are pretty big! There are about 3.4Million people living here. It’s not Podunk.

All of those people support a pretty thriving economy with low unemployment, the HQ of many large companies like Target, Best Buy, United Healthcare, 3M, Cargill etc… and thriving mid and small sized businesses as well.

While the Twin Cities aren’t on the same scale as Chicago, we enjoy a lot of the same benefits – an international airport, fine dining – if you’re a foodie you’ll be glad to know that we have James Beard award winning restaurants. If you’re a beer lover – there are 56 breweries here.

There are Lots of theaters from smaller local theater companies to larger venues that host traveling companies and Broadway productions.

There are 55 museums in the Twin Cities! The Walker hosts contemporary art, the Minneapolis Institute of Art has art spanning 5,000 years and 6 continents and it’s FREE! Some other highlights that we enjoyed a lot when my kid was younger were the Children’s Theater (located inside the MIA), the Children’s Museum and the most amazing hands on museum – the Science Museum of Minnesota, that one shouldn’t be missed!

Bicycling is HUGE in the Twin Cities – year ’round!- and there are 4,000 miles of bike trails in the metro area – from designated lanes on city streets, converted rail lines like the Midtown Greenway and Luce Line Trails, and the 40 miles of paved bike/ walk paths called the Grand Rounds that wind around the many lakes residing within the city of Minneapolis.

Speaking of the lakes (and parks!) the Minneapolis Park District wins strings of awards every year and are an integral part of living here. Most people live within 10 minutes of a park, and have access to community centers, park programming, tennis and pickleball courts, wading pools, beaches and restaurants. If you visit Lake Harriet or Bde Mka Ska you can rent sail boats, kayaks, or paddle boards and have a great day on the lake while taking in the skyline.

If you are a sports fan – we have you covered! We have professional football, baseball, men’s and women’s basketball, soccer and hockey teams. No matter what the season, there is no reason not watch your favorite sport. And if that’s not enough we are neck deep in college sports as well!

There are 34 colleges and universities in the TC area, including the main campus’ of the University of Minnesota – of the best public research universities in the US. The U has many famous alum – including Bob Dylan, Chief Justice Warren Burger and if that’s not enough to convince you – Ric Flair! Minneapolis has a very educated population – 70% of all adults have at least some college education!

Minneapolitans and Minnesotans are “outsiders” all year long – winter doesn’t keep anyone inside. From the Art Shanties on Lake Harriet, to Holidazzle and Winter Carnival, and the Luminary Loppet – people here don’t let winter stand in the way of having a good time. Of course, summer is outside all the time either at the lakes and parks or festivals like block parties, the Aquatennial, Minnesota Fringe Fest, or get something fried on a stick at the Minnesota State Fair.

The Housing market in Minneapolis is currently very “hot”, the average home price is nearly $280,000 in the Twin Cities, but that varies drastically by neighborhood. If you like being in the heart of the city there are a lot of brand new buildings or repurposed industrial buildings and flour mills downtown on Mississippi River for condo living in the middle of everything.

As you move outward to the north – there are more affordable neighborhoods, and Northeast is somewhat hip and artsy. To the south and west of downtown are well established neighborhoods with large gracious homes and as you move further south you gradually get into fairly solidly single family neighborhoods, with a lot of home built in the early & mid 20^th century.

Rentals in MPLS are generally between $1400 and $2500/mo. St. Paul is less expensive for rentals and homes than Minneapolis as a general rule.

The first is that there is great access to good healthcare in the Twin Cities – from the University of Minnesota Medical center, to Abbott Northwestern, to the renowned Mayo Clinic to our south in Rochester MN.

If you love shopping – you’ll be happy to know that MN does not tax clothing purchases, so you can go to the Mall of America and shop yourself silly without paying a dime to the government. There is also no tax on groceries in MN – not the case everywhere, so it’s nice to not have regressive taxes.

If you have questions about any aspect of life in the TC or have a topic you’d be interested in seeing a video on, I’d love to hear from you!

mschumann@kw.com

Neighborhood Tours

Neighborhood tour – Eagan MN

February 1, 2020February 5, 2020 MaryLeave a comment

I’ve been talking to several people interested in the suburbs of Minneapolis so this week I decided to poke around Eagan MN. I live in Minneapolis, so of course I’ve been to Eagan before, but what is fun about these tours is that it makes me dig a little deeper and look a little closer at the details of a community and really think about living there and what would be a plus or a minus.

Deciding on suburbs of Minneapolis?

Housing in Eagan

Eagan has very diverse housing options. Lots of apartments (rents around $1800/mo), condos, townhouses/twin homes, typical suburban homes from the late ’80’s and through the ’90’s, and even a couple of incredible mansions.

On the low end of the price points in Eagan are condos that run about $100k for 2 bedrooms. They are midrise, shared laundry, well maintained and a great option if you live alone, don’t want maintenance, want an apartment near the city as a second home etc.

Townhouses similar to those in the video are in the high $200 – mid $300K range, and some of the larger and newer town homes in Eagan are $450-500K.

Single family homes run the gamut from 1970’s ramblers to an outright castle, but homes in the subdivisions of Eagan tend to be set on .3 – about 1 acre lots and are larger, lots of them with 3 car garages and minimum of 4 beds, 3,000 SF. Prices sit in the mid $500’s as a median.

Things you may like about living in Eagan

Location

Eagan is ideally situated. It is close to the airport & an easy commute to both downtown Minneapolis and St. Paul via 35 E or W.

Parks

Eagan also has easy access to a large park system. On the north side is Fort Snelling which is part of the National Parks. There are also two off leash dog parks in that area – one close to the airport and another a little further north at Minnehaha Falls.

To the south is Lebanon Hills Park – this place is amazing. The visitor’s center is quite new and clean, the park itself is very well maintained. There are many many hiking trails to take and it is a great place to go with kids. I took my daughter there last fall and we selected a 3 mile hike and were given a map that told us which trail markers to follow. The trails are really well marked! I love that! We saw so many animals and birds on our walk and while we weren’t completely alone the park is large enough that even when there are a lot of people visiting you are still able to achieve that feeling of having spent time in the quiet of nature. If you have horses, there are trails marked for that as well.

Eagan has 27 soccer fields and 56 parks – 14 of which have outdoor skating rinks in winter.

Shopping

“The Mall” as people here call it. The Mall of America is not actually located IN Eagan but it is right next door. I confess to having not been there until last weekend and I was surprised at how much I actually liked it! It’s not mobbed with people. The variety of stores is really nice and there are things there that are harder to come by in other places. The amusement park and roller coasters were larger than I expected and look like a lot of fun – we did Flyover America and loved it!

There is a brand new Costco on the north side of the city, and unlike the one in St. Louis Park, the parking lot doesn’t make you want to tear your hair out (or that other person that can’t park’s hair out… it’s occurred to me and I am a peaceful person… ). It’s a joy to shop there. A zen experience compared to SLP.

If you like Walmart – there is a shopping center with Walmart on the north side of the city and for the True Minnesotans™ who want to shop their hometown retailer, there is a large shopping area with Target in the triangle between 77 and 35E.

Finally – Eagan is home to Twin Cities Premium Outlet Mall on the NE side of the city.

Family fun

In summer, Eagan has an outdoor pool and water park called Cascade Bay. Summer in MN we just soak up as much outside time as we can, and this place looks like a lot of fun if you have kids.

Eagan Civic Arena has 2 indoor ice skating rinks that are open year round – if you live in MN, this might be one of your concerns! Hockey. It’s a thing here.

Schools and libraries

Speaking of kids – the schools in Eagan are rated fairly highly by Great Schools, so if you are looking for quality public education, this may be a good place to look. There are also quite a few private schools in the area.

Last, but for me not least, they have a large library (Westcott) that is open 7 days a week. The library is something that my family has made great use of over the years – children’s programming in the early years and now just feeding the voracious readers in my house without spending ALL the money.

Top employers in Eagan

Eagan is home to Thomson Reuters, Blue Cross Blue Shield of MN, UPS, Ecolab, and while maybe not a “top employer”, it is also home to the Minnesota Vikings training facility – and that place is hard to miss as you drive down 494. 😉

Demographics

Eagan is home to 67,509 people.

More than half of the population has a bachelors degree or higher.

The median income in Eagan is $82,265.

If you don’t like driving to downtown you can commute on the MVTA busses. They are clean! I always mention this after living in Chicago and spending a lot of time on busses and trains that had suspicious odors and stains. I loved the transit system there, but not everyone behaves well, so I appreciate it here.

I hope this helps if you’re considering Eagan as your next place to live!

Questions? leave a comment or tap one of the links below.

mschumann@kw.com

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Home Buying · Uncategorized

How long does it take to buy a home?

January 17, 2020February 5, 2020 MaryLeave a comment

If you have never purchased a home before the whole process may feel like a big mystery.

Stop by my YouTube Channel for more info on real estate & living in Minneapolis!

It’s something most people don’t do more than a few times in their lives and it’s the biggest purchase that you’ll likely make in your life. Well, good news! It’s not as complicated as you may think!

6-12 months from your purchase…

To answer the question “How long does it take to buy a house?” though – the answer is “it depends”! Don’t you love that? It makes me think about when I was a kid and wanted something – “Mom! Can we…?” “It depends…”. Ugh.

Well, one of the most important first steps is getting ready financially. If you have a good credit score (700+) you’ll likely not have a problem getting a mortgage. Many people have some work to do here first though. That means that you need to find out what your FICO score is (you are entitled to a free credit report annually at AnnualCreditReport.com). When you see your report there may be things on it that you want to dispute because you’ve paid them. You can also see what debts you owe – the goal is to get your debt to income ratio low. Lenders want the sum of your payments to creditors to be under 43% of your income for TOTAL payments – including your mortgage!

You’ll also want to make sure you have money for a down payment (minimum of 3.5% of the purchase price) and potential closing costs (2.5 – 3% of the purchase price) as well as cash on hand for things like home inspections and any deposits you may need for services, plus moving expenses.

If you need assistance in finding a loan officer that can help you find the best mortgage for you, ask a realtor! We work with them ALL THE TIME and typically know who is reliable, provides good service and has a nice array of loan products that they can offer you.

If you are a cash buyer, your timeline will include inspection and title search, but you can close FAR more quickly.

3 months from your purchase…

OK – that’s the hard part over! NOW you can start looking for a home. Because you have your finances in order, you know what you can afford. And your agent will know what you can afford as well! While it is a lot of fun to look at homes that are super fancy, if you can’t buy them… it’s a waste of time.

Finding the right home can be really fast or not as much. Some of that depends on you, and some is dependent on the market. As I type this, in Minneapolis, it is 110% a sellers market for anything under $350K. Homes are going quick, and inventory is low, so you may be outbid if you find one or there simply may not be a home available that meets your needs. However – you’ve done your homework, you have financing lined up and a down payment ready so when you find something you can submit a strong offer and push yourself to the top of the pile!

6-8 weeks from move in …

You find a home that you LOVE! You submit an offer that is attractive to the seller and you are prepared to close with! They ACCEPT!!

You will submit your earnest money (I have a video on that on my YouTube channel!) Typically, in Minnesota, that starts the clock on the inspection period. Frequently this is 10 days in which you have the opportunity to have a home inspector look at the house and give you an idea of what you are actually buying and if there are “material facts” that would inhibit your “quiet enjoyment” of the home. In other words – is there anything alarming that should be fixed before you can safely & comfortably inhabit the home?

Inspectors find things. If the items they find are things that you are willing to fix yourself, then ok. Or you can request the sellers fix it or rebate some of the purchase price so that it can be fixed in the future at no cost to you. If you cannot come to an agreement you can cancel the contract but you’ll be back to the house search stage … I need a flow chart in here. 🙂

30-45 days from move in …

Most lenders can get your loan underwritten and ready within 30 days. During this same time, a title search will be conducted and the sellers will complete any repairs agreed upon. If you have an FHA loan it can take an extra couple of days.

So! How long does it take to close on a home? It can be as little as a week or two for a cash buyer or as much as a year if you need to get your financial house in order. It’s all dependent on preparation on your part and being ready to make a clean offer.

Have a question? Leave a comment or tap one of the icons below.

mschumann@kw.com

Uncategorized

Hi – I’m Mary!

January 17, 2020March 28, 2020 MaryLeave a comment

Welcome to the blog… 🙂

I’m a realtor in Minneapolis and there is so much to love about my job and and my city!

The most satisfying thing for me is helping someone find a home of their own. I love it because I know what a difference buying my first home – age 26, single, making very little money, with the help of down payment assistance – made in my life. It enabled me to “build wealth”, as is said in the biz. What that means is that my money went toward an asset and that asset appreciated and that let me translate that little house into something else. A choice I would not have had otherwise. And that cycle has repeated. I am a home ownership advocate!

I’m also a thrifty / mechanically minded person, so having the chance to learn how to take care of a home and depend on as few people as possible while I do so makes me happy. I love fixing things. I love improving my home. I love understanding how things work. It’s empowering to me.

I also love history and love old homes. Living in Minneapolis gives me the chance to indulge in some eye candy! We have housing stock that is from over 100 years old to brand new loft conversions in old flour mills on the river. My neighborhood is one of the “newer” ones and the houses have their charms even at the spring chicken age of 80.

Finally, since I am not native to Minneapolis, I love learning about living in Minneapolis and life in Minnesota and I hope to share some of my discoveries with you.