May wildflowers Gordon, WI

Enjoy these local wildflower beauties from Gordon, Wisconsin. This lovely is called Bellwort.

Sold Lower Eau Claire Lake home. 48675 Clearwater Road, Barnes WI

This beautiful northwest Wisconsin lake home in Barnes boasts one of the most stunning views on the Eau Claire Chain of Lakes.  It’s located on Lower Eau Claire Lake, not far from where the Eau Claire River enters Lower Eau Claire after leaving Middle Eau Claire Lake.

To learn more about this home, click Lower Eau Claire Lake Home.

Thinking of selling in Barnes, WI? Call Jean Hedren (that’s me) at (218) 590-6634.  E-mail: jeanhedren@edinarealty.com.

My blog and website: www.JeanHedrenRealtor.com.

NW Wisconsin Property Search: www.JeanHedren.com.

For more drone videos, home tours, and video tours of the boating channels between the Eau Claire Lakes, check out my YouTube channel: YourNWWisconsinRealtor.

Welcome to NW Wisconsin

Click link to launch full page: http://https://sway.office.com/s/JWr3iQ5ym8kFed6q/embed

What type of mortgage loan works best for you?

What type of mortgage loan works best for you? 

Your mortgage loan consultant will be able to discuss the best mortgage loan program for you. Basically all mortgage loans belong to two main groups: conventional and government.

Conventional loans

Two types of conventional loans:

  • Fixed rate: Traditional type of financing. The interest stays the same for the full term of the loan, typically 15 or 30 years with predictable and stable payments.
  • Adjustable rate: An adjustable rate mortgage (ARM) interest is linked to a financial index, such as a treasury security, so the monthly payment can vary over the life of the loan, usually 25 to 30 years. There are lower initial payments. Some ARMs can be converted to fixed rates generally after the first 5 years.

Government loans

  • FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment as little as 3.5 percent and a credit score as low as 580.
    Often called “helper loans,” they give a boost to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits. Talk with your lender to see what the FHA loan limits are in the counties where you are searching.

    And remember, because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.

  • VA loans, backed by the Department of Veterans Affairs, are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.
  • USDA loans, backed by the United States Department of Agriculture mortgage program, are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.
  • WHEDA: Low down payments and below-market interest rates. Interest rate is fixed for 15 to 30 year loan term.

Ready to enter the buyer’s market?

Need help financing a new property? Understanding the loan types is step one, but you’ll need the help of a qualified expert to get you into your dream home.

Reach out today to get help connecting with a trusted, local mortgage specialist.

Start your property search at www.JeanHedren.com

Cabin fever???

It’s been a cold winter here in NW Wisconsin. If you’re experiencing a little cabin fever, and if you’ve been thinking of looking for a place up north, maybe now’s the time. 

Sure, you could wait until May or June. But we have some good values on the market right now here in NW Wisconsin. By starting your search now, you’ll have time to find what you’re looking for, buy it, and close. You’ll be able to get moved, unpacked, and settled in time for some great fishing, boating, swimming, or any other summertime lake activity you most enjoy.

If you’ve got cabin fever, it’s time to start looking for a cabin or lake home here on any of the clear lakes here in Douglas, Washburn, Bayfield, or Sawyer County. If you want to know more about any of the wonderful lakes in NW Wisconsin, check out the Lakes and Rivers of NW Wisconsin tab above.

If you’re thinking of selling, why wait until May or June to put your home on the market? In NW Wisconsin, the real estate market usually gets going in spring. Buyers are already starting to look now. If you’d like to know what your property is worth in today’s market, call Jean Hedren, Edina Realty, NW Wisconsin. 218-590-6634.

Shoreland zoning protects your property values

If you’re shopping for waterfront property, you should know about shoreland zoning and the rules that go with it. No one likes rules. But the first thing you should know is that these rules don’t just benefit fish, birds, and wildlife, they benefit you

By preserving the up north qualities of our lakes and streams, these rules also preserve your property values. Even up here in NW Wisconsin, some lakes have a more urban feel. Other lakes, however, still have a relatively undeveloped feel – even though most of their shoreline is developed. Views are preserved, privacy is preserved, and so are property values.

Second, it’s important to know that certain minimum standards are in place in Wisconsin. In some counties, and even on certain lakes and streams, the rules are more strict. Existing homes, of course, are grandfathered in. But if you’re building on shoreland anywhere in Wisconsin, you’ll need to meet these minimum standards:

  • Lot size. Lots served by a public sanitary sewer must have a minimum average width of 65 feet and a minimum area of 10,000 square feet. “Unsewered” lots must have a minimum average width of 100 feet and minimum area of 20,000 square feet.
  • Buffer strip. Clear-cutting of trees and shrubs isn’t allowed in the strip of land from the ordinary high-water mark to 35′ inland. One exception is for a 30′ wide path, for every 100′ of shoreline, down to the water. That allows you to reach the water, have a great view from your living room, and still protect your privacy. (And also, by the way, preserve the view of whoever lives across the lake.)
  • Setbacks. All buildings and structures must be set back at least 75′ from the ordinary high-water mark. Exceptions include piers and boat-hoists. And, if an existing pattern of development exists, some counties may have a “setback averaging” system that allow homes to be built closer to the water. On certain bodies of water, though, setbacks are increased to 125′ – or, in rare cases, up to 300′.

This is just an overview; for details on these and other shoreland zoning provisions, contact the DNR or county officials. Keep in mind, too, that existing homes are grandfathered in. When you buy one, you obviously can’t do much to change the lot size or setback. You can, however, take steps to restore the buffer of natural vegetation along your home’s waterfront.

But don’t try shoreline restoration just because it’s good for the environment. Do it if you’d like to increase your privacy, see more birds and wildlife, and catch mroe fish. (And also, by the way, spend less time mowing your lawn.)

Buying or selling in NW Wisconsin? Call Jean Hedren, Edina Realty NW Wisconsin Realtor. 218-590-6634. Or visit www.JeanHedren.com.

 

Merry everything

There is nothing in the world so irresistibly contagious as laughter and good humor.

Charles Dickens

The merriest holiday season to you and yours from Jean Hedren, Your Edina Realty NW Wisconsin Realtor.

The North Country Hiking Trail: Bird Sanctuary Clubhouse to Highway 53 Trailhead

The North Country Hiking Trail: Bird Sanctuary Clubhouse to Highway 53 Trailhead, Douglas County, WI

North Country Trail - Bird Sanctuary Clubhouse to Hwy 53 trailhead

North Country Trail – Bird Sanctuary Clubhouse to Hwy 53 trailhead

Looking for good places to hike in northwestern Wisconsin? Check out this 3.3 mile segment of the North Country Scenic Trail. It’s right here in the Gordon-Solon Springs area. Because it traverses relatively open terrain, this segment is a good place to enjoy the vista. Near the north end of the route, there’s also a nice walk-in campsite overlooking Leo Creek.

Please check back now and then; I’ll occasionally be posting more trail segments. I’ll try to include a couple photos with each post, but not enough to take all the fun and mystery out of exploring the trail yourself. Stay tuned…

Bird Sanctuary Clubhouse to Hwy 53

Bird Sanctuary Clubhouse to Hwy 53

Bird Sanctuary Clubhouse to Hwy 53

Bird Sanctuary Clubhouse to Hwy 53

Bird Sanctuary Clubhouse to Hwy 53

Bird Sanctuary Clubhouse to Hwy 53

Finally, here’s a road map to help you find the trailhead:

Road Map

Road Map

Fall activities in Northwest Wisconsin: The Bird Sanctuary (Douglas County)

Fall activities in Northwest Wisconsin: The Bird Sanctuary

If you’re looking for things to do here in Northwestern Wisconsin, you should know about the 4,000-acre Douglas County Wildlife Management Area (DCWMA). On some maps it also appears as the Douglas County State Wildlife Area. Around here, most people just call it “The Bird Sanctuary.”

Bird Sanctuary Clubhouse to Hwy 53

Here’s a quick overview, courtesy of the Friends of the Bird Sanctuary. To learn more about the Bird Sanctuary, you can visit their website.

First, you should know The Bird Sanctuary isn’t just for birders and wildlife watchers. It’s also a great place for picnicking, berry-picking, hiking, backcountry skiing, and snowshoeing.

On their website, the Friends of the Bird Sanctuary also mention that this is a great place for “wildflower observations.” That’s a nice way of saying you can look and take all the photos you want, but please don’t pick them. Some of these wildflowers, even if locally abundant, are apparently quite rare.

The North Country Hiking Trail runs through The Bird Sanctuary, and you can also hike on lots of other trails. Horseback riding is allowed on designated trails.

(Tip: Whether you’re hiking or riding, the Bird Sanctuary’s open terrain can be a good place to escape summer’s mosquitos and deer flies. You’ll still encounter a few, but not quite as many as you would in the nearby woods.)

Although none of the hiking trails within The Bird Sanctuary are designated for biking, its the paved and dirt roads are great for biking. (Some of the sand roads, however, are quite soft.) Nearby, you’ll also find lots more roads and trails.

As part of their educational outreach, The Friends of the Bird Sanctuary sponsor an annual series of fun programs and outings, many of them with a hands-on outdoor component. They’re led by wildlife biologists, naturalists, historians, and other experts from around the region.

If you’d like to watch sharptail grouse dance in April and early May, you can reserve the ground blind that’s positioned right nest to their dancing grounds. It’s free of charge, and a rare opportunity to watch this fascinating courtship ritual.

For a modest fee, you can also rent The Bird Sanctuary clubhouse for an event of your own. It’s a popular venue for summertime wedding receptions, birthday parties, and other events. Be sure to make your reservation well ahead of time.

Why This Habitat is Different

The first thing you’ll notice is the wide open spaces. The Bird Sanctuary is one of the our region’s final remnants of grassland savanna—small stands of pine and oak sprinkled through open grassland, with a few clumps of hazel and aspen thrown in for good measure. Until the arrival of European settlers, naturally-occurring fires created an ever-shifting mosaic of these grassland clearings, which are sometimes called “northern pine savannas” or “northern oak savannas.”

Early settlers didn’t think much of these places. They called them “barrens.” Over the years, as newcomers plowed fields, planted trees, and suppressed fires, these open areas gradually disappeared. These grasslands—and the wildlife they support—once covered over a third of Wisconsin. Today fewer than 40,000 acres remain, and 4,000 of those acres are right here in the Bird Sanctuary.

Many species depend on this unique ecosystem, and much of what little remains is in isolated pockets too small to maintain the genetic diversity that’s necessary for species’ long-term survival. Northern Wisconsin has only a few remaining contiguous pieces of grassland savanna that are as large as the one preserved here.

The Bird Sanctuary also happens to be a great great habitat for humans to explore. For directions to the Bird Sanctuary, click here.

Stairway to Bond Lake Heaven, Wascott WI

8088 E Matthias Rd, Wascott, WI. Offered at $400,000. This 3 bedroom home boasts the best view of Bond Lake, one of NW Wisconsin’s clearest lakes. 20′ Secchi Disk clarity.

Spacious cedar home with master suite, amazing views from most rooms, sauna, plus bunk room over the garage. Recently the seller painted the deck and stairs to the lake. Yes, there is some elevation here. That’s why the view is so great. The stairs are sturdy and there are a couple of log benches to rest and soak in the view.

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And, if this isn’t enough, there is a navigable channel between Bond and Leader Lake. Although each has its own character, both of these deep, clear lakes are often mentioned together as one hyphenated name. There’s even a Bond Leader Lake Road in the neighborhood.

Leader Lake is a limited-access lake; its only public access is by canoe or kayak from a carry-in landing just off Bass Lake Road. Or, you can launch your boat on Bond Lake and follow the channel that connects the two lakes.

If you’d like to see this home on Bond Lake please don’t hesitate to give me a call. Jean Hedren, Edina Realty NW Wisconsin at 218-590-6634.