Tiffany Pesonen - RE/MAX Regal | San Ardo, CA Real Estate


One thing that you’ll need to think about when you’re buying a home is that of property taxes. Many first-time homebuyers don’t even consider the property taxes in the midst of their excitement of buying the perfect home. There’s many different kinds of tax issues that homebuyers might face when they purchase a home. We’ll educate you on how to tackle the issue of property taxes. 


Do Your Research


You should most definitely research property taxes before you buy a home. You don’t want to be surprised to find out that your new home will have special assessments or a huge tax rate increase in the near future. Some things to look out for:


  • Tax rate increases
  • Home reassessments
  • Supplemental tax bills


The first question that you should ask your realtor is “What is the current tax bill?” This will give you a good starting point for your property tax research. 


Supplemental Tax Bills


A supplemental tax bill is basically a new homeowner’s overlapping bill of the previous owner’s taxes. Sometimes, this can include construction or additions made to the home that have increased the property value. This is also known as a “reassessment of property value.” Work with your realtor to discover whether this will be an issue.  


Multiple Taxes For One Property


Depending upon where you are, you could face more than one kind of property tax. Special taxes imposed by states, counties and districts, as well as water and sewer can create additional fees. 


Why You Have An Escrow Account


Homeowners are often required to have an escrow account. This will set aside funds for these types of expenses. The loan company will give an estimate of the amount of taxes and insurance due. Then, costs such as taxes and insurance are taken out of this account. If you are paying these fees through an escrow account, you should keep a close eye on it. Sometimes, payments fail to be made on time. You as the homeowner are then responsible for any late fees. You want to avoid these problems by checking the account frequently.   


How Property Taxes Are Calculated


Property taxes are generally based on the value of the home. Each state and city uses their own formulas in order to calculate these fees. This is what can make property taxes a bit unpredictable. Property taxes can increase or decrease over time due to these factors that are included in each municipality’s formula.               


Tax Credits


A tax credit is a rebate that’s provided by the city or state. This could be in the form of an income tax credit. As home values have risen, so haven’t property tax bills, so these credits are welcome in today’s economy. 


Tax Deferrals


Some people are eligible for property tax deferrals. This allows the homeowner to pay all or part of the property tax until a later date when a home is sold. Many deferrals are geared towards low-income homes and senior citizens. These people would most benefit from this type of savings. Be careful though if you fall into one of these categories. Some states have much higher income taxes than property taxes, so the fees end up evening out. 


The most important thing you can do when it comes to property taxes is your research. Once you have numbers, you can make a more informed decision about purchasing a property.


If you plan to sell your house in the foreseeable future, it often helps to declutter. That way, you can eliminate excess items from your house and make it easy for buyers to envision what life may be like if they purchase your residence.

Before you start to declutter, there are several steps that you should follow to achieve the best-possible results, and these are:

1. Consider Which Items That You Want to Keep

One homeowner's treasure is another's clutter, and vice-versa. Thus, you'll want to take a close look at your personal belongings and determine which items are keepers and which items are clutter.

If you find that you have lots of clutter, there is no need to worry. Remember, you can always sell excess items at a yard sale or online. You also may be able to donate various excess items to charity or give them to family members or friends.

2. Examine Clutter in Each Room of Your Home

Clutter rarely is confined to one room of a house. As such, you'll want to closely examine each room of your home and identify all clutter before you list your residence.

Oftentimes, it helps to make a home decluttering checklist that includes each area of your home. This checklist will enable you to take a room-by-room approach to remove clutter and may help you streamline the decluttering process.

3. Evaluate Your Storage Options

Although you likely will find plenty of clutter in your home, you may identify a wide range of items that you want to keep too. At the same time, you probably want to remove as many items from your house to show off the true size and beauty of your home to potential buyers.

Ultimately, it helps to evaluate storage options prior to decluttering. This will ensure that you have plans in place to store myriad items as you start to remove clutter from your house.

Many home sellers choose to rent storage units for their personal belongings. These units generally can be rented on a monthly basis and enable home sellers to keep their belongings safe until their houses are sold. Furthermore, it may be beneficial to pick up storage bins to temporarily store myriad belongings in your house's attic or basement.

If you need extra assistance as you prepare to declutter your house, it frequently helps to reach out to a real estate agent. This housing market professional can offer expert decluttering tips, as well as guide you along the home selling journey.

A real estate agent will set up home showings and open house events, negotiate with a buyer's agent on your behalf and much more. Therefore, with a real estate agent on your side, you can increase the likelihood of a quick, profitable home selling experience.

Ready to declutter and list your residence? Follow the aforementioned steps, and you can eliminate clutter and move closer to selling your house.


Often times, certain cleaning rituals are saved for spring-cleaning, certain cleaning rituals that should occur more than once a year. One of those things that fall into this category is your refrigerator. You open your refrigerator, stare into it trying to find something to eat or drink, find that something or not, and then close the fridge. This happens multiple times a day, but how often do you go into your fridge with intentions of cleaning it out? And by, “clean it out,” I don’t just mean to toss the nearest thing to you that looks like it morphed into a creature inside of your tupperware. A refrigerator needs a good cleaning every couple of months to avoid any unwanted stenches, difficult clean ups from unknown spills, and expired food/drinks. Here are a few tips to keeping your refrigerator clean: Go Through Every 2-3 Months: Go through your fridge every two to three months. It’s so easy to lose track of what is in your fridge, from throwing leftovers in, to fruit and vegetables, and eggs and milk. And don’t forget about your freezer. Check for food that is no longer any good or has past best buy dates and anything in your freezer that looks freezer burnt and throw it away. Wipe down Every 2-3 Months: When you are cleaning out old food from your fridge, take the time to wipe it out too. Spills can happen without you knowing and can leave your fridge sticky, slimy and even stinky. By wiping your fridge out every so often you can avoid those issues. Rotate: After going through the items in your refrigerator and freezer, make sure to rotate any duplicate items. Rotating means to put the oldest item in the front so that you use that one first. This will help ensure that you are eating foods and drinking drinks before they go back therefore causing less waste. This will also help you save money in the long run. It may sound tedious but the more often you do it the less work there will be each time. Happy cleaning!

Businessman with city viewThere are many reasons you may find yourself in a new city or state, far from home and your comfort zone, possibly even your family and friends. Whether you’ve decided to close the gap between your long-distance-relationship, were transferred to a new city by your company, are uprooting yourself for the college or university of your dreams, or are simply seeking new opportunities and fresh faces, getting familiar with a new community be disheartening. As a real estate agent, I see this often. Meeting new people and becoming acquainted with a new area may be easier if you follow some of the suggestions I offer to buyers new to any given area: Put yourself out there. Most towns and cities find ways to encourage their residents to come together as a tight knit community, in fact some cities may even have a planning board or association dedicated to this. Many areas may have outdoor venues and pavilions for varying activities such as free concerts or even large group work-outs. Keep an eye out for any mixers or activities in your new neighborhood. Pick up a hobby! If you’ve recently moved to a new city surrounded by water try out kayaking! Find something you enjoy and you will more likely than not find other like-minded people out and about practicing the same hobby. If you’ve moved to a city or area where walking to and from varying destinations, walk! If you’ve moved to Boston, or a city similar to Boston, try walking to work rather than taking public transportation. This is a great way to get situated in a new area. Not only will you learn the different roads and geography of your new city, you may find a hidden gem off the beaten path that you would’ve never noticed otherwise. Which leads me to my next suggestion: Seek out hidden gems! Sometimes small businesses, gyms, pizza places, and coffee shops are the best way to meet people and get a feel for the residents of a certain area. Look for smaller establishments and you’ll be sure to find a very serious group of ‘regulars.’ This is another good way to fit into the community and a good way to meet people. Plus you’re experiencing all your area has to offer rather than dining at or hanging around corporate locations you can find all over the country! If you’re moving to my area from far away, I’d be happy to walk you through the change as your real estate professional!  

Buying a home represents a life-changing decision. As such, you'll want to look beyond the price of a residence as you search for your dream house.

Ultimately, there are many factors beyond price that you should consider as you pursue your ideal residence, including:

1. A Home's Location

For most homebuyers, a house's location is the number one factor when they explore the real estate market, and perhaps it is easy to understand why.

Finding a home in a location that is convenient for you is priceless. And if you know how to conduct a comprehensive home search, you can quickly discover a high-quality home in a wonderful location.

As you prepare to kick off your home search, consider whether you'd like to live in a city or town. This will enable you to narrow your home search.

You also may want to consider homes that are located near work or school. By doing so, you can ensure that you won't have to travel too far to get to destinations that you frequently visit.

2. A Home's Condition

A home may look like a great investment at first, but its condition may have deteriorated over time. Thus, you'll want to take a close look at a house's condition before you finalize a home purchase.

Typically, a homebuyer will complete a property inspection after a home seller accepts an offer on a residence. This inspection will enable a homebuyer to perform an in-depth assessment of a residence and learn about its strengths and weaknesses. Then, a homebuyer can determine whether to move forward with a home acquisition.

If a property inspector discovers myriad issues that impact a home's condition, a homebuyer may want to reconsider his or her offer. At this point, a homebuyer can still walk away from a home purchase. Or, a homebuyer can ask the home seller to complete various home improvements as well.

On the other hand, a homebuyer who falls in love with a house may choose to proceed with a home purchase, regardless of the residence's condition. If you choose this option, however, it is important to consider the potential long-term ramifications of your decision.

3. Your Future

It is paramount for a homebuyer to find a house that he or she can enjoy for years to come. Therefore, a homebuyer should consider his or her future before finalizing a home purchase.

For example, if you plan to settle down and start a family, you may want to evaluate houses that are close to schools. Conversely, if you eventually want to work in the big city, you may want to consider homes that will make it easy to commute into the city day after day.

Don't forget to hire a real estate agent to help you during the homebuying journey too. With a real estate agent at your side, you should have no trouble examining a broad range of top-notch houses that won't force you to break your budget.




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