Urban Farming and St. Louis Neighborhoods

3 February 10

I recently read Farm City: The Education of An Urban Farmer by Novella Carpenter. Ammmaaaaazing! Check out the New York Times Book Review. In sum, the memoir is about a woman who begins by doing some squat gardening on a vacant lot in “the ghetto” next to her apartment. Ultimately she ends up raising her own food and making charcuterie of her pigs, Big Boy and Little Girl. The book spans several years and takes place in Oakland CA. Entertaining and educational, it discusses food security and the importance of knowing where your food comes from.

Of course the memoir got me thinking about community gardens and the possibilities of vacant lots in St. Louis. The food security movement is taking hold here and St. Louis has many resources for urban farms and community gardens. Below are just a few pictures from around my neighborhood.

img_1952Tower Grove East has a prolific community garden. I know it doesn’t look like much now, but in the Spring Summer and Fall this is one of the most beautiful corners in the neighborhood. Want to live here?

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The same goes for Fox Park Farm. Located at the corner of Russell and California, this space is glorious when in bloom and there always seems to be someone from the neighborhood out there working. Check these home sale listings if you want to know more about housing in the Fox Park neighborhood.

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City Seeds is another enterprise altogether. It’s mission is to foster self-sufficiency in addicted and chronically mentally ill homeless; increase production and distribution of locally grown fresh food for low-income residents, and provide nutrition and food preparation/preservation programs.

As I mentioned above, there are ample opportunities to farm in the city. But there might just be one more coming soon. Check out the photo below. This is a vacant lot at the corner of Minnesota and Arsenal across from the old Bavarian Inn. It is currently owned by a notable St. Louis developer, who taking a cue from the benevolent lot owner in Carpenter’s book, has offered to let neighborhood folks start planting. This blog post is in fact a bit of a fishing expedition to see if there are people out there who would be interested in the opportunity to take on a raised bed or two. There would be no charge to garden, you would be welcome to all your own produce and the owner is even considering providing the raised beds.

Please let me know what you think…..

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One of My Listings Featured on HGTV’s House Hunters

3 February 10

Last summer I was hired to help some Shaw residents sell their house. They had moved here for graduate school. It was time to put the house on the market and move on to the next phase of their lives. My clients LOVED that house and were sad to go, but with the feature on HGTV, they will have a memento that most sellers would die to have.

Here is the lead in from HGTVs website:
Kathleen has finally convinced her fiance, Dan, to move from the suburbs of St. Louis to the city center. They’re on a time crunch and need a new home before their wedding. Kathleen wants a historic home and Dan wants modern upgrades and a parking spot. The first house they see is a Victorian, and has the historic charm Kathleen craves but there’s too much city noise outside. The second home is an historic duplex converted to a single-family home. It’s near Kat’s favorite park but, on the downside, it has with two front doors that Dan thinks look strange. The third home is another classic, but it’s also the smallest. On the upside, it has an updated kitchen and the two-car garage Dan’s been waiting for.

The episode aired last night 28 January and is due to air again 14 February 2010  at 8 and 11PM

Can’t wait to see which house the buyers choose ; )



Getting Ready for Spring

1 February 10

I’m not sure how you feel about January and February in St. Louis, but I could do without. Short days that seems to be primarily filled with an overcast sky and cold, cold winds creeping though every crack in these old city homes. So I’m starting spring early, and apparently so are these sellers. Check out the three fabulous listings that just went up this week, and let me know if you’d like to check them out.


5512 Finkman in Princeton Heights / Southampton
$164,900
Immaculately maintained bungalow in the Princeton Heights neighborhood with first floor laundry. Lots of great features to this charming home on a great South City street.
Visit 5512finkman.com


1720 Chouteau #402 Loft in Lafayette Square
$149,000
A great view of the city, this 2 bed/2bath loft is in the 4th floor of the Eden Lofts in Lafayette Square. Walk to all of the great neighborhood amenities!
Visit 1720chouteau.com


3646 Michigan in Gravois Park
$85,000
This Craftsman style home has all its original charm along with many modern updates. Take a look at the pictures and see why at only $85,000, this home is a great buy.
Visit 3646michigan.com

City Garden Montessori: Where Map Testing Meets the Montessori Method

25 January 10

City Garden Montessori is in its second year as a St Louis City Charter School and is now accepting applications for next year’s kindergarten enrollment. Applications are due February 12th. Please contact Christie Huck at 314-664-7646 for more information

Recently one of my past clients invited me to visit City Garden Montessori. She has been a St Louis City resident and advocate for a long time, but had been sending her oldest son to a private school in Clayton. Last year they moved into the Shaw neighborhood and made a very fortunate discovery: City Garden Montessori. Since enrolling her son in the St. Louis City Charter school, she has been really excited by the experience and has been thrilled with the changes she has seen in her son. The Montessori Method of self direction and active engagement has done wonders for her highly gifted and very active 6 year old.

The school is located at the corner of Spring and Russell in the Shaw neighborhood. There are four classrooms in total including the pre-school program. (Pre-school is tuition based and serves ages two and half-five). The charter school includes one kindergarten class (age 5) and two elementary classes which in traditional Montessori fashion are mixed ages similar to the traditional grades of 1-3. Each classroom has two teachers. EACH CLASS HAS TWO TEACHERS!

When I visited one of the elementary rooms I saw lots of independent study, a math presentation and a lot of reading. In addition to academics the children have work tasks which include cleaning chores, animal duty or volunteering at a community soup kitchen. Additionally there is no shortage of parent volunteers. Some parents have organized a gardening committee as evidence by the raised beds and composting stations outside.

To learn more about Montessori Education in general click here.

To learn more about Montessori Education in St. Louis click here.

From the City Garden website:
City Garden Montessori Charter School is a tuition-free, public elementary school, serving the Botanical Heights, Forest Park Southeast Shaw, and portions of the Southwest Garden and Tiffany neighborhoods in the City of St. Louis.

Don’t live in the identified boundaries? click here
There are ample opportunities to move into the area with homes ranging from the low 100s to the 600s
If you are interested in the school but don’t live in the area, call anyway. If there are open spots in the kindergarten, they will consider children who live outside of the identified area.

Interviewing Lenders and the New Good Faith Estimate

15 January 10
markandersonheadshotThis post was written by a guest blogger Mark Anderson who is a loan office with Pulaski Bank. He specializes in helping first time home buyers through what can often be a very confusing process. He considers himself more of a consultant than a salesperson. He takes client education seriously and his level of customer service is unmatched. If you have any questions about this post or home financing in general please check out his business website.

Effective January 1, 2010, Congress instituted new rules regarding the Good Faith Estimate. Geared toward shutting down predatory lending practices, the rules make it nearly impossible for a mortgage company to quote one set of fees at application and deliver something different at closing.

While the aim is good, the law of unintended consequences has already come into play. Shopping for the best mortgage will now be more difficult and more complicated.

I have often complained about the old Good Faith Estimate and I agree that a change was important. The form had to meet some basic standards, but overall, comparing apples to apples was not easy if you didn’t know what to look for. The old Good Faith Estimate itemized all of the fees associated with a loan closing, including third party charges ultimately not determined by the lender. Lenders could make their bottom line appear artificially attractive by estimating third party fees low. Also, lenders used a variety of confusing, sometimes downright deceptive terms to hide the true cost of their own services. For example, while ‘Tax Service Fee’ sounds like a government imposed charge, it could be $50, $500 or really any number the lender felt like imposing. Maybe some of the fee actually was paid to request tax return transcripts, but I routinely saw my competitors charging outlandish amounts which clearly were not legitimate third party costs.

For this reason, I encouraged my clients to isolate the lender fees and compare those against other quotes, without regard to the varying estimates for third party charges. If the loan officer refused to itemize the actual lender fees, I advised people to walk away.

The new Good Faith Estimate is great in that the true lender cost is reflected very clearly and separated from third party fees. It is now referred to as the ‘cost of origination’. While I am happy with this change, there is a fundamental flaw to the new GFE: lenders are not going to issue them until you select them as your lender. This is because the lender now has a legal responsibility to be so precise that it is simply impractical to issue the form before you file a full application and have a property officially under contract.

The good news here is that once you have selected a lender, made your application and gone under contract, you will receive a Good Faith Estimate that will be amazingly close to the final number at closing. However, since it is impractical for the lender to issue a GFE ahead of time, how can you really shop for the best deal before making a commitment?

Unfortunately lenders will now provide informal quotes that don’t have to meet any government standards. At least the old Good Faith Estimate looked fairly similar from lender to lender. Now, borrowers are going to be faced with such a variety of quote sheets that it will be that much more difficult to compare them.

Despite the problems the new GFE causes with initial disclosure from your lender, you can still exercise control over the quote process in much the same way I recommended before January 1. While the quotes will look different and while they might not be a very good reflection on the actual costs, you can still demand that your lender tell you what they charge.

My main concern with this whole new process is that there was at least some regulation of the old Good Faith Estimate. Now, as a consumer, you will simply have to exert your knowledge as power and show your lender you are aware of the recent changes. Let them know you are also aware that you will always have the ability to move to another lender if their non-regulated initial quote looks much more attractive than the formal GFE.

Coming Soon!

12 January 10

Whew! Been a long time since I updated the blog. I have to admit I slacked off in December as I was winding down from a very busy and productive year. I thought January would be the opportune time to start blogging a new, but the phone hasn’t really stopped ringing and it looks like I am going to be busy with some wonderfully diverse new listings.

So as I am easing back into it, let me just start with a few sneak peeks at some coming soon properties.

Tower Grove East

29xx Minnesota: 3 beds/1.5 baths and 1 car brick garage. If you love wood work then you will love this house! All system updates were done about 5 years ago along with the roof. Extra insulation in the attic keeps this home particularly warm and the fully fenced backyard with brick patio is an oasis! Wood floors throughout and custom School House fixtures complete the package. $159,900

Shaw

40xx Shenandoah: 2beds plus office/1.5 baths and 2 car-garage-port. With approximately 1700 SQ FT of living space and full basement. First floor has woodfloors with living room, dining room and large kitchen. Upstairs has 2 large bedrooms punctuate by a huge office $174,500.

Gravois Park:

36xx Michigan: 3 beds/1 bath and 1 car garage. The first floor of this 1.5 story Craftsman is perfect for entertaining with a circular flow and hardwood floors. Upstairs there are three large bedrooms and 1 full bath. The closets are a nice surprise. The wide front porch is inviting and the two story enclosed rear porch adds a mud room and office to this home. $85,000

Home Sales During the Holidays

30 November 09

Everyone always wants to know if they should list their home (or keep it listed) during the holidays. There are a couple answers to that question. YES, because homes do sell in the months of December and January. NO, because traffic tends to slow down and there aren’t as many buyers out looking. NO, because it’s a hectic time of year and it’s too difficult to ship-shape for showings. YES, because there are people who MUST buy and if your house isn’t listed then those buyers won’t see it. NO, because it’s already been on the market for 6 months and there haven’t been any takers yet. YES, because there’s typically less inventory and less to choose from so your chances might actually be better.

In the end (like everything in else in the real estate world) the answer will be different for each house and each special set of circumstances. But here is a little data from the MLS about past sales during the holidays. I mapped a section of St. Louis City: South of 40, curving around River Des Peres, then back up the Mississippi to downtown.

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Here’s what I looked for: Any house that sold in the month of December or January that was listed between 100K-300K

December 2004: 138 SOLD   January 2005: 75 SOLD
December 2005: 150 SOLD  January 2006: 107 SOLD
December 2006: 142 SOLD  January 2007: 80 SOLD
December 2007: 113 SOLD  January 2008: 66 SOLD
December 2008: 57 SOLD   January 2009: 32 SOLD

The idea here is that if a home closed in December chances are the buyers walked through sometime in November or early December. If the home closed in January, chances are the buyers came through in December or early January. So, based on past data from the MLS, it looks like there is a decline in viewing traffic during the month of December. But based on the number of solds in January, there are indeed people out there shopping for a home in December.

Happy Holidays!

Two Fantastic New Listings in Tower Grove East

22 November 09

Things have been very busy lately, which explains the lack of blog updates. But I wanted to make everyone aware of two great new listings I am currently co-listing with Christopher Thiemet at Circa Properties. Take a look at the sites and slideshows below!

3534 Halliday
Visit 3534halliday.com
View the Slideshow:

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2622 Louisiana
Visit 2622louisiana.com
View the Slideshow:

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Open Houses in Carondelet: Sunday November 15th, 1-3PM

14 November 09

See 3 wonderful Carondelet listings on Sunday, offered by three area specialists!

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5406 IDAHO
$200,000
3 Beds 2.5 Baths
MLS #:90057915
OFFERED BY: Dawn Griffin, Circa Properties 314-413-7086

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1154 DOVER PLACE
$289,900
3 Beds 2.5 Baths
MLS #:90039653
OFFERED BY: Brian Magill, Expert Realtors 314-415-2141

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750 BELLERIVE $224,900
3 Beds 2 Baths
MLS #:90053654
OFFERED BY: Thomas Burfield, Prudential Alliance 314-956-4619

The Amazing Transformation of 5406 Idaho: Before and After Shots of My New Listing in Carondelet

10 November 09

5406 Idaho, 63111 has 3 bedrooms, 2.5 baths and 2 car garage. It is currently available for $200,000 where nearby houses of this caliber are selling for 220-240K. Come by this weekend to experience it for yourself (Open Sunday, November 15, 1-3PM). For now check out the other photos and floor plans at http://5406Idaho.com

LOCATION: While Carondelet Park itself is reason enough to love this location, especially interesting are all the other amenities within walking distance. According to Google Maps, it is exactly 1.2 miles from 5406 Idaho to Loughborough Commons. That means that you can skip across the supremely well manicured park to Schnucks, Lowes, Panera or Starbucks without having to get in your car. Around the corner is a Walgreens in case you need to make a mid-night run for cough drops. If you are craving Mexican, El Burrito Loco is just a 7 minute walk from the front door. Want something a little more upscale? Try Iron Barley, that’s just a quarter mile in the opposite direction. Hate having to get in your car for a 45 minute round trip to the gym? Problem solved, the new Rec Plex is opening in Carondelet Park on November 19th where you can take a spinning class or go for a swim.

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Interior Finish Quality: This is really a before and after moment. This home was not simply “rehabbed” it was RE-Imagined. What was once a dark, choppy ,claustrophobic interior is now a bright and versatile floor plan. The public and private spaces are perfectly separated and the magic equation of 3 beds, 2.5 baths and 2 car garage has been achieved without any of the awkwardness that sometimes accompanies this kind of transition. QUALITY is the the first word that comes to mind when I think of the work done here.

A couple of quick examples: All the original wood windows have been re-glazed, with sashes re-aligned and hardware updated. All of the bedroom closets are furnished with Saint Louis Closet Co. built-ins, all bathroom fixtures are MOEN and the kitchen exhaust really vents to the outside. In addition to QUALITY workmanship the interior is also highly FUNCTIONAL. One of the bedrooms is on the first floor. Since it has it’s own private entrance, it is perfect for a home office. For those of us who work from home and who have clients coming and going, the private entrance will be a coveted benefit. The master bedroom is a TRUE suite with a lovely master bath and walk-in closet. The mudroom is full of windows and offers a great space for taking off shoes, storing bags and bringing your plants in during the cold. And the large, open great room is perfect for entertaining friends.

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Value: Below is a CMA report from the St. Louis MLS. This search includes all homes within 1/2 mile radius that are either ACTIVE or have SOLD within the last year priced above 150K. The tax records do not accurately reflect the square footage at 5406 Idaho. Architectural drawings show the space measures nearly 2100 square feet. Based on size, layout, amenities and quality of construction, 5406 Idaho blows the competition away. Looking at the comps below Idaho proves itself a real value.

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View more pictures, floor plans and information at the web site:
5406idaho.com