Explore Kosciusko County, IN

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By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 6
If you're planning to purchase your first home, the Indiana Housing and Community Development Authority can help you put money back in your wallet or pocketbook with a Homeownership Tax Credit (also known as a federal MortgageCredit Certificate, or MCC). Here's how the Homeownership Tax Credit works. You obtain a mortgage through a participating lender. In addition to your mortgage, you will receive a certificate that offers you a federal tax credit of up to $2,000 per year. A tax credit is more valuable than a tax deduction because it lowers your actual tax liability, rather than your taxable income. The size of your Homeownership Tax Credit will vary based upon your mortgage amount(see below). On a $90,000 loan, you will receive a credit of 25 percent of the interest that you pay. For...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 9
Photo taken by Greg Miller, for the sole purpose of sharing an interest in photography and promoting our local sites of interest . Feel free to share this picture, we would appreciate due credit.                                ********************************************  We are proud to serve buyers and sellers in all of Kosciusko County. If you are considering selling your home or purchasing a new one in the Warsaw, Syracuse, North Webster, Leesburg, Milford or surrounding areas, we would be honored to assist you. We also specialize in water properties for the lakes of Wawasee, Syracuse, Tippy, Webster, Barbee chain, Papakeechie, Dewart and Waubee.                                                           Sharon & Greg Miller - Realtors®                                               ...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 7
 What a wonderful day we had at the North Webster Church of God today. Not only did we receive a great message from Pastor Boyer on having people in our lives that will keep us accountable in our walk on this earth, as the prophet Nathan was for King David.But also we had 8 baptisms.  What a joy to watch each of those participants give their testimony about coming to Christ. One of those was my 9 year old granddaughter Aubrey.Needless to say I was ecstatic and proud to to be a part of this life event tht started a couple of month ago. The added blessing was 8 un-churched family members in attendance to witness. May God now work in their lives.  
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
Warsaw & Winona Lake,Indiana Real Estate Market Report     May 2009May numbers, of sold single family residence continues the struggle to gain momentum. We ended the month with a 33% decline year to date over 2008 sales figures.  The cooler than normal temperatures for May, certainly did not help entice those looking for a home to venture out. As the weather has improved, so has the activity. We are having a late start to the traditional "busy selling season" but closed out May with 63 homes under contract. Rates have also started to climb, which is a strong indicator of higher demand on the mortgage side of things.   May 09 May 08 % change YTD 09 YTD 08 % change # solds 32 45 -29% 115 172 -33% Avg. sale price 111,266 165,247 -33% 135,808 150,773 -10% Median price 96,700 135,000 -28% 11...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
Syracuse Indiana Market Report May 2009 Housing activity has picked up in the Syracuse area. With 14 closings last month, it pushed the year to date totals ahead of last year. That is a very welcome and hopeful sign that we might be bottoming out and on the rebound. While one month is no  certainity of a rebound, it is cause for increased optimism. We will take any positives that we can get. May 09 May 08 % change YTD 09 YTD 08 % change # solds 14 3 +467% 38 28 + 36% Avg. sale price $120,471 $365,475 -65% $155,607 $284,770 - 45% Avg.median  price $85,250 $181,450 - 53% $88,500 $168,500 - 47% Avg. days on market 109 100 132 115 # pendings 10 # active listings 217   North Webster Market ReportIf you would like further information or market reports on lakes or communities in Kosciusko Coun...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
    North Webster Real estate  Market Report - May 2009The North Webster area housing market continues to struggle due to slowsales for water properties, which is a dominat share of this areas market. For the purposes of this report, I  used the School boundaries that are included in the North Webster elementary school district. This will encompass smallsections of  mailing addresses for Leesburg, Pierceton, Warsaw & Syracuse as well.   May 09 May 08 % change YTD 09 YTD 08 % change # solds 3 5 -40% 18 28 -36% Avg. sale price 147,666 135,500 +9% 173,244 137,127 +26% Avg.median price 193,000 138,000 +40% 162,500 130,000 +25%  D.O.M.* 283 116 +144% 166 132 +33% # pendings 10           # active listings 146            * Average days on the market until sold Syracuse In. Market ReportIf you ...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 2
                          Summer has officially begun on Wawasee with the arrival of The Memorial weekend and all the Lake enthusiasts. The biggest enjoyment for me was participating in the return of the Sunday morning "Boat in Worship". With an estimated 50 - 75 boats and a shore audience of about 100, it was a well attended gathering by those who came together to worship the Lord. Kudos to Pastors Cox & Steffan for an outstanding service and a job well done.Special thanks to The Frog for the use of the Lillypad dinner boat for the services to be held on. Services will be held every Sunday at 8:30 A.M. in the Conklin Bay area outside of The Oakwood Inn thru Labor Day. Photo taken by Sharon and Greg Miller, and may not be reproduced without permission of Sharon and Greg Miller, Century...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 7
Thinking of a lake home for vacations or just weekend get aways? Lake Wawasee is the lake for you. From sailing to power boating, from fishing to wakeboarding, Wawasee offers it all.   To learn more about water properties on beautiful Lake Wawasee call your local specialist. We can tour homes by car or by boat. Lake Wawasee is Indiana's largest natural lake with approx. 3000 acres. Greg & Sharon Miller           
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
The Truth about Local Foreclosures   Many Things have been written and reported negatively about home foreclosures. While Kosciusko County is not immune to this, we are not nearly as bad as the reports out there suggest. Here are the Facts:  Currently in Kosciusko County Sold foreclosures YTD = 14    List price to sale price = 51,864/ 48,437 Current active foreclosures = 33    Current pending = 17 That's less than 5% of the current 973 homes for sale.   Many think that foreclosures are way up.Below are the actual figures from the Kosciusko County Sheriff sales of foreclosured proerties.   Sheriff's Deed recordings per year: Look at 2004 & 2005 when the economy was "really churning", Then look at 2008. Not a lot of difference. 2003=128           2004 = 190 2005 = 179          2006 = 162 ...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
I thought I would take a historical look at homes prices for Lake Wawasee as they pertain to Lake front homes and condominiums. I have compiled statistics for the years 2001 - 2008. On the charts below you will find the average sales price and number of sold properties for each given year. As you can clearly see 2008 was a year filled with uncertainty that affected lake properties even more so than the rest of the local market.                                           For my report on current numbers of active listings Click Here To search specific active listings Click Here If you are buying or selling a Lake property, we can help. Just contact us anytime. sharonandgreg.com         Greg@wawaseerealestate.com  Sharon@wawaseerealestate.com
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 4
 The ice is gone, piers are going in and the crappie are working their way into the channels. As I  walk by the big blue monster in my drive, I am eager to pull that shrink wrap off and start prepping our boat for its annual launch. Eager to spend a sunny day  on our beautiful Lake Wawasee . Last year just seemed different with marina gas around $5 a gallon, the lake traffic was down.  Also I have anxious anticipation of  a improved housing market around the Lake.Last year was flat no doubt about it.Interest rates hovering around 6% and most sellers still holding on to that 05-06 appraisal, in hopes that their home would somehow sell at a premium only to realize in October that  they were not immune to this downturn. While yes there are still many overpriced listings out there.[Personal...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
   Real estate market in Kosciusko county for the month of March continued to lag behind the previous year.  The greatest encouraging sign of improvement in our market is the number of current homes under contract through our Multiple Listing Service, is up to 115 and active listings are down to 942.  Here are the statistics for sold residential homes for March 2009 as posted in the Kosciusko county MLS.                         March :              2009          vs.           2008                                                                                                                                        # of sold Homes -                         46        -                   67 Average sale price  -                 $127,425        -        $122,630 Median sale price   -        ...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 0
What a great time Sharon & I had at the Milford elementary school Spring music program "Rock-in the Decades. As the kids sang and danced us through each decade of music from the 60's up through the 90's. Kudos to the Milford staff and music dept. for a job well done in teaching and leader the children. We always look forward to coming and watching our grand daughter Kiana Peete and her classmates perform,because we have come to learn that a great entertaining time will be had.Can't wait till next years Christmas program.                                                                                                                                                     
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 1
The North Webster Elementary schools 4th grade boys basketball team wrapped up an undefeated season thursday afternoon with a hard fought victory over the Syracuse boys team. It was such a team effort as they showed that teamwork really does payoff. I have thoroughly enjoyed watching this team play this year. I look forward to watching their progression in the years ahead.  Congratulations on a great season. Job well done. Extra kudoo's to my grandson Rylan Kuhn                                                                                                                            Photos provided by Greg Miller
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 1
  2009 Home & Garden ShowSponsored by the Kosciuko County Home Builders AssociationMarch 20 - 22YMCA  Raquet Center                                                         3919 N S.R. 15                                                              WarsawFri. 1 pm  - 8  pmSat. 10 am - 8 pmSun. 1 pm - 5 pmIt's time again for the annual Home & Garden Show                                                                                        Come get new Ideas for the Home, Lanscaping  AdviceCabinets, Floor coverings,Pools and spas Over 140  Vendor BoothsStop by Booth 202 just inside the main entranceThats where you will find our Century21 Integrity Group Display
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 2
Would you like to sell your home, but you have been hearing all the negatives out there about low prices? " I'm not about to give up all my hard earned equity and give it away" you say. I say, "you need to consider the home  you would buy if your home sold, before deciding  whether to sell or not."  If your home were to sell, you are probably going to buy another one. Your new home will fall into one of three categories.  If you fall into scenario 2 or 3 below, take the plunge and list your home."Two out of three ain't bad" as the song goes. Let's take a look at the three possible scenario's. First : You want to downsize into a less expensive home. This would be the one instance that you do not want to sell at this time. Say your current home is a large home that just a couple of years ...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 4
Have you ever had one of those moments in time that was so wonderful that it will be forever ingrained in your mind? One of those moments that you will replay in your mind for years to come. One of those moments that no matter if you live to be a hundred years old, you will never forget that moment. It will always make you smile. Yesterday , I had such a moment. It started out very normal. My wife Sharon & I were to watch our 8 year old granddaughter Aubrey, who was not going to school because of a bully issue from a  classmate.Mom and dad were going to school to address that issue. As we already had some errands planned and a lunch date set, we decided to go ahead and just have her tag along. We have five grandchildren all together ranging from 2 to 10, so it is special when you just ...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 4
          A Hint of Spring on Lake Wawasee   The trees are still bare, the piers are still sitting on the shore, but the beauty of Lake Wawasee is priceless. As we strolled along the public access shore line with our Shepherd and terrier, how awesome it was to see the ripples flowing across the lake made by the wind and the three fishing boats (yes Boats). Today it was 65 degrees and to think just 3 days ago our lake was completely covered with ice. Goose poop has already arrived and the dogs did not hesitate to wash their feet at the public boat ramp Brrrrrrrr!! Although the ground is still soft from the melting snow the lake is open and boats are floating, fishing lines are out and the smell of spring is in the air. After a long cold winter nothing is more beautiful than to see our L...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 1
February Solds for Warsaw IndianaAs we head into March eagerly awaiting springs arrival, it appears that the real estate activity is really beginning to pick up momentum. At the end of Feb. the Warsaw market had 22 closed transactions and another 38 homes under contract. Below is a compilation of the homes that closed in the month of February. Address City  Bdrms   Full  Baths Sq.Ft. Days Market  Sold Price 2516 Oriole Ln WARSAW     2   1 980  43  $15,000.00 1217 Wooster Rd WINONA      2   1 768  31  $55,000.00 1116 E Winona Ave WARSAW     2   1 744  118  $74,900.00 1028 E Market St WARSAW     4   1 1796  75  $77,000.00 850 W Monoquet Rd WARSAW     3   2 1404  36  $80,000.00 1500 Chestnut St WINONA     3   2 1972  355  $80,000.00 534 N Parker Street WARSAW     3   1 1107  37  $95,000.00...
By Greg Miller, Florida Home Loans - Conventional,FHA,USDA,VA
(Ruoff Home Mortgage )
Comments 7
 First Time Home Buyers Tax Credit Guidelines have been announced. Below you  will find the highlights of the program * Seek advice from a professional tax advisor for specific tax calculations and timing for claiming the tax credit.  Should you need any assistance or simply have a question, feel free to Contact us at sharonandgreg@Century21.com FEATURE   FIRST-TIME HOMEBUYER FEDERAL INCOME TAX CREDIT: EFFECTIVE FOR PURCHASES ON OR AFTER JANUARY 1, 2009 AND BEFORE DECEMBER 1, 2009 Amount of Credit   The amount of the homebuyer federal income tax credit is the lesser of 10% of the cost of the home bought or $8,000. Eligible Property   Any single-family residence (including a condo, co-op, or townhouse) may be an eligible property under the homebuyer income tax credit, provided it will be...

Kosciusko County, IN Real Estate Professionals