Just Listed: Log Sided Home with Solarium in Sun Country Estates

 
 
 

Located in Three Rivers South with easy access to Sunriver and Bend.

This log sided home is situated on a fenced and gated acre with RV cover, paved drive, garage and 3 room studio. Covered back porch with walk in pantry gives additional space to the home. Open floor plan with laundry off the kitchen. Need office space? The office in this home provides amazing natural light and a setting that makes working from home a pleasure. Solarium is a great place to grow tomatoes or what ever suits you. Primary bedroom has huge walk in closet, and off the bath you will find a stair case leading to a hot tub giving you the feeling of sitting in the treetops.

Listed by Thesa Chambers for West + Main Homes. Please contact Thesa for current pricing + availability.

 
 
 

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New Data Digs Deeper into Fire Risk in Central Oregon

 
 

Fire risk in Bend is higher the closer a property is to the forests surrounding it on the west and south sides of town. The Awbrey Hall Fire in 1990 and the Skeleton Fire in 1996 collectively burned over 20,000 acres in and around Bend and destroyed over 50 structures.

"The lack of a property-specific, climate-adjusted wildfire risk for individual properties has severely hindered everyone from the federal government to your average American," said Matthew Eby, founder and executive director of First Street Foundation, in a press release.

First Street Foundation's model predicts Central Oregon will get at least 4% hotter over the next 30 years, paired with decreasing humidity. The tool gives property owners more information to protect themselves.

"There are things that people can do at the individual, community and landscape level," said Emily Jane Davis, associate professor at Oregon State University and interim fire program director. "We're doing a lot of emphasis on defensible space. So, what can you do to prepare the area immediately around your home so that it doesn't have flammable material?"

To make a defensible space, tall grasses, shrubs and debris should be cleared within 10 feet of a property line. The Deschutes Forest Service does this on a larger scale, thinning hazardous fuels near adjacent communities. Late snowstorms and cool temperatures pushed Central Oregon's fire season back a bit, but the area is still at an increased risk for fire as the region's ongoing drought won't end without at least two years of above average rainfall.

"For areas like Klamath, Lake, Deschutes and Crook counties, we are looking at above normal conditions starting in June. And obviously, as you move through the move through the fire season, and you get to August, larger parts of the states are incorporated in that," Davis said. "The only areas that don't look to be above normal by August would be northwestern Oregon and northeastern Oregon."

Wildfires have become larger and more frequent in more recent years. Last year's Bootleg Fire burned over 400,000 acres of southern Oregon, becoming the largest wildfire in the U.S. at the time. In 2020, thousands of people lost their homes during multiple fires on Labor Day Weekend. In Central Oregon and other sagebrush steppe ecosystems, fires are driven by climate change and invasive grass species that are more resilient to fire, increasing the likelihood of fires spreading. OSU released a study on May 16 that recommended ways to reduce fire risk in these specific ecosystems.

"It's a pretty spectacular ecosystem, but it's incredibly fragile," said Lisa Ellsworth, lead author of the study and a range ecologist in OSU's College of Agricultural Sciences, in a press release. "It was named as one of the most endangered ecosystems in North America because it is so fragile and is so impacted by climate change and by invasive species and by changing fire regimes."

Fires naturally occur in these areas every 50-100 years, and native plants tend to grow slowly and spread out. As invasive grass species move in, more land can be ignited and fires can spread, resulting in double the natural fire frequency.

"If you get a lightning strike and it hits cheatgrass, those fires can rip—I mean, at some times when you see fires across the northward part of the inner Mountain West, when you see 200,000 acres lighting up in a couple of days, that's often fires that are in fairly dry areas where cheatgrass is playing a role," said Erica Fleischman, director of the Oregon Climate Change Research Institute.

A silver lining to this year's drought is it offers less than favorable conditions for those types of grasses. OSU's study on reducing sagebrush steppe fires found prescribed burns are most effective at removing fuel loads, but left areas vulnerable to invasive grasses to establishing themselves in burn sites. Mechanical thinning of fuels reduced flame length, intensity and rate of spread but became less effective reducing spread and intensity after three years. Herbicide treatments tend to be the least effective management, that at best led to a short-term reduction of fuels.

"I feel the pressure of time in these systems," Ellsworth said. "We need to be implementing strategies that preserve our good-condition sagebrush steppe areas and get ahead of this invasive grass and fire feedback cycle that we're in."

Read more on The Source.

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Gen-Zers Are Indeed Buying Houses in the City Predicted to Be Most Popular in 2022

 
 

The experts called it; young home buyers listened.

At the end of 2021, all eyes were still on Austin as the city in America where everyone wanted to move. In fact, the market there was so hot that one homeowner’s house value jumped $100,000 in less than a year. But these days, at least when it comes to young, first-time buyers, moving out West is more appealing than settling down in the Lone Star State. According to the latest data from Lending Tree, Gen-Zers (those born between 1997 and 2012) are in favor of putting down roots in Salt Lake City. The news shouldn’t come as a total shock, as just this past December, Realtor.com’s team of forecasters predicted it would be the most popular place to buy a home this year, thanks to its scenic biking and hiking trails and easy access to outdoor recreation. 

But it isn’t just nature that’s drawing 20-somethings to the capital city—it’s also stability. Salt Lake City has the largest share of mortgages (16 percent!) offered to Gen-Z residents. So even those who have just graduated from college can feel confident moving to the metro area. If you’re looking to make a move over the summer (like 60 percent of the country), here’s the average credit score among Gen-Z home buyers in the top-five most popular cities, to give you an idea of where you’ll need to be financially.

  • Salt Lake City: 701

  • Louisville, Kentucky: 699

  • Oklahoma City: 697

  • Cincinnati: 702

  • Indianapolis: 699

On the opposite end of the spectrum, it’s no surprise that New York and San Francisco hold the lowest percentage of mortgages given to Gen-Z buyers at less than 4.5 percent. Of course, if you have your heart set on a pricier coastal location, the best step you can take to nail down a great monthly rate is to pay down other debts in order to boost your credit score. Equity, here you come.

Get more like this on Domino.

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7 Must-Know Hacks and Tips for Pet-Proofing Your Home

 
 

Welcoming a pet into your home can be a huge source of joy, but it also requires lots of responsibility.

On top of feeding and caring for your pet, you’ll need to take active steps to make sure they’re safe — and, at the same time, protect your home from potential damage.

With a bit of strategic thinking and the right tools, you can create a pet-safe, pet-proof space where you and your animal companion can thrive. Not sure where to start? Here are seven smart hacks and tips for new pet owners, as suggested by experts. 

First and foremost: Exercise and entertain your pet.

If you have a cat or dog, doing your part to keep them active and amused can go a long way as a pet-proofing measure. 

Veterinarian Lindsay Butzer, a PetMeds partner, suggests exercising your dog for 20 to 30 minutes every day to keep them content. Cats may not need as much exercise as an active dog, but they do need entertainment to stay out of mischief and satisfy their hunting instincts, so make sure to incorporate plenty of mentally stimulating playtime throughout the day, whether with a wand toy or puzzle toy. 

Sneakily transition your cat to a scratching post.

It can be frustrating when your cat scratches your furniture, but it’s a totally natural behavior that helps them keep their nails healthy. Providing your cat with a scratching post is the best way to protect your furniture and prevent bad habits from developing, says veterinarian and behaviorist Paola Cuevas of Hepper

If your cat is already in the habit of scratching, overcoming it can be tough. Cuevas suggests placing an alternative scratching area (you can even DIY a cat scratcher!) near the furniture your cat is currently scratching, and covering that with double-sided tape, which repels cats. When your cat scratches the new post, offer a word of praise or a treat to reinforce the good behavior. Then, once your cat develops a history of only using the scratching post, gradually relocate it. 

Sometimes, accidental scratching happens. Another hack, from Butzer: “Trim your cat’s nails every two weeks to keep them short and blunt so they can’t pierce and scratch through furniture and cloth.”

Offer your pup lots of fun chewable items to make your furniture less enticing.

A dog who’s bored, stressed, or under-stimulated might develop a chewing habit. Keep your furniture and other belongings safe by giving your dog other things to chew. For puppies, who go through teething just like babies, Cuevas suggests providing chewing toys and teething-specific treats to provide some relief without sacrificing your shoes. Many pet stores sell teething toys, but in a pinch, she suggests a frozen carrot. 

For adult dogs, bones are a must. Butzer suggests one bone a day, plus an assortment of large plastic or rope toys your dog can carry around and chew on. To make them last longer, choose toys that are too large for your pet — that way, it’ll take them more time to chew on it. 

In a pinch, Butzer says a bitter training spray that leaves a nasty taste in your pet’s mouth when they attempt to chew your furniture legs, or even your shoes, can help. 

Invest in a gate from the get-go.

If there are any areas of your home you don’t want your pet to go into — especially areas with potentially poisonous or unsafe items — it’s important to close them off. Brianna Nelson, associate buyer at Pet Supplies Plus, suggests investing in a gate or exercise pen to set some boundaries. 

Plus, if you’re bringing home a new pet, you can use the gate or pen to help your new roomie gradually familiarize themselves with your home. “Start small with the main room they will be in, and slowly introduce them to more rooms over time as they adapt and get more comfortable,” Nelson says. 

Butzer says crate training can also help. Crates don’t just keep animals out of areas you don’t want them to be in; many animals feel safe having their own, dedicated space. And both can help cut down on destructive behavior. If you do spring for a crate, Butzer recommends giving your dog a bone, such as a digestible rawhide or bully stick, for four- to five-hour rest periods to keep them busy and happy. Also remember that, according to The Humane Society of the United States, you should never use a crate as punishment or leave a dog in a crate for too long (for puppies under six months old, that’s just three or four hours). 

Choose the right upholstery. 

When you have a pet, some amount of wear and tear is inevitable. So whenever you’re in the market for new furniture, selecting durable, stain-proof fabric can be a major game changer. Nelson suggests distressed leather, which she says repels odors and is easy to clean. Other tightly woven fabrics, such as microfiber, are also great for pets. Suede and silk, on the other hand, are easy to damage and stain, so they’re not the best options for pet owners.

Use a trash can with a pet-proof lid in the kitchen.

Pet-proofing your home also involves making your space safe for a curious animal. According to Cuevas, the kitchen is many pets’ favorite spot in the house — it’s where tasty treats and delicious, enticing smells happen. Unfortunately, it’s also where accidents and medical issues can happen, so it’s important to create kitchen safety rules to prevent accidents. In general, make sure you don’t leave out any temptations for your pet before you step out of the kitchen. Never leave food leftovers behind, and be especially careful with pet-toxic food

But even beyond that, Cuevas suggests using a pet-safe trash bin with a pet-proof lid to prevent dogs and cats from scavenging in the kitchen’s trash and leftovers. 

Lock away anything toxic.

This one may sound like a given, but it’s absolutely worth repeating: Keep any toxic or irritating substance, like cleaning chemicals and insecticides, away from your pet’s reach — ideally, locked in a box, cabinet, or room where your pest can’t access them. 

It takes a little extra time, money, and work to make your home a haven for you and your pet, but you’ll both be happier when you put a little extra effort in.

For the full article, visit Apartment Therapy.

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More buyers opt for adjustable-rate mortgages as rates rise

 
 

Rising interest rates are making adjustable-rate mortgages an increasingly attractive alternative to common 30-year, fixed-rate home loans.

ARMs made up 13% of all home loans by dollar volume in March, their highest share since January 2020, according to CoreLogic.

The increase coincides with a sharp rise in mortgage rates. The average weekly rate on a 30-year mortgage slipped this week to 5.25% from 5.3% last week, which was the highest level since 2009, according to mortgage buyer Freddie Mac. The average rate was 3% a year ago.

Rising mortgage rates, in conjunction with sharply higher home prices, make homeownership less affordable.

“It’s natural for homebuyers to be looking at ways to reduce that mortgage payment, and one of the ways is to use an adjustable-rate mortgage,” said Selma Hepp, deputy chief economist at CoreLogic.

Adjustable-rate mortgages don’t make it any easier to qualify for financing, but they do offer buyers some flexibility with their monthly mortgage payments in the first few years of the loan term.

For example, a homebuyer who takes out a typical 5/1 ARM will have a low, fixed rate for the first five years of the loan. After that, the loan adjusts to an adjustable interest rate, which could be higher or lower, until the debt is paid off, or the buyer refinances the loan.

Such loans became less attractive the last couple of years as average long-term mortgage rates fell to an all-time low.

ARMs’ share of all loans by dollar value sank to just 4% in January 2021 from 13% a year earlier, according to CoreLogic. ARMs have made up between 10% and 19% of all loans by dollar value over the last 12 years.

At the height of the last housing boom in 2005 ARMs represented just under 45%, CoreLogic said.

Back then, such home loans were more common because lenders could sign up homebuyers for a loan and then take it off their balance sheet by selling it to investment banks that made a big business of selling mortgage-backed securities to investors. Far looser lending criteria also set up many loans to default when they adjusted to a higher rate.

Such a scenario isn’t in the cards now, however, as banks have beefed up their lending standards since the Great Recession.

“We still see very solid underwriting standards,” Hepp said. “The last few years have been some of the best underwritten loans, irrespective of what people use as their mortgage type.”

Keep reading.

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