John Colby


Posted by John Colby on 10/26/2017


662 Spring St, Athol, MA 01331

Single-Family

$207,900
Price

7
Rooms
2
Beds
1/1
Full/Half Baths
Single Floor Living with Nearly 2 acres in a Great Neighborhood ! Walking distance to schools and less than a mile to Ellinwood Country Club !..This well built & spacious Ranch style home has a recent architectural shingle roof , & Andersen windows along with brand new Stainless kitchen appliances ! Oversized 2 car attached garage and walkup attic. There are very few single level homes available !
Open House
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Tags: Athol   Real Estate   Single-Family   01331  
Categories: New Homes  


Posted by John Colby on 10/24/2017

This Single-Family in Royalston, MA recently sold for $352,500. This Colonial style home was sold by John Colby - Colby Realty.


5 The Common, Royalston, MA 01368

Single-Family

$379,900
Price
$352,500
Sale Price

9
Rooms
4
Beds
2
Baths
This home built in 1820 took full advantage of location and solar orientation on the Vibrant Royalston Common ! This home has been painstakingly updated to today's standards yet has retained all of the charm of the 19th Century ! Even the Discriminating Buyer will appreciate the care and thoughfulness put into this property ! Equestrians will love the back field area and roughly 5 acres yet on the charming Royalston Common.. A Gorgeous Dining Room with Brilliant Stained Glass windows will provide a memorable setting for new memories ! There are 4 bedrooms & 2 full baths w/updated Title 5 system ! Other features include , 4 fireplaces, Wide Board Floors of Hard Pine, Fir and Oak ! Fully rewired & Insulated Home. Discreet Solar Panels provide Tremendous Energy Savings ! The attached Post and Beam Barn Offers a wonderful place to work on hobbies or projects. Don't forget to really enjoy the Summer Room with it's own Fireplace just off the barn & Kitchen & next to the spacious Woods

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Categories: Sold Homes  


Posted by John Colby on 10/22/2017

Junk beginning to pile up in your home? Or have you noticed that you no longer use half of the things you own? Is your closet overflowing with clothes, shoes, and handbags? It might be time to think about clearing those things out of you home. Doing so will make you feel liberated and bring extra space that you may not have seen in years. Below are a few of the different ways in which you can free yourself of unwanted belongings. Garage/Yard Sale: Garage or yard sales are a great way to sell your old/unwanted things. These options make you some money and get your stuff out the door fast. It will take a little work on your part, as you need to advertise and prepare. Be sure to promote through online resources, post signs and even place an ad in the newspaper. Itís also important to prepare in advance making sure you have everything you need such as tables and hanging racks. Donate: Donating your unwanted possessions is a great alternative to selling them at a yard sale. And it often requires no work to you. Many foundations send trucks out in search of donations. If you have the extra space hold onto your things and wait for a truck to be in your area. If you donít have that extra space you can always bring it to places like the Salvation Army. Sell it: Selling your things is another great way to do away with your unwanted possessions. There are multiple avenues that you can take when selling including online and consignment. For online there are sites like eBay, the use of your own social media, craigslist and multiple apps such as letgo, Close5, and Vinted. There is also the option of selling your things to a consignment shop. There are many options for getting rid of your old and unwanted belongings. And it may be that you want to use a combination of the ways listed above. As the age old saying goes, one manís junk is another manís treasure.




Tags: garage sale   yard sale  
Categories: Uncategorized  


Posted by John Colby on 10/19/2017


106 Farnsworth, Athol, MA 01331

Single-Family

$309,900
Price

7
Rooms
3
Beds
1/1
Full/Half Baths
Located about 80 minutes from Boston is this Real Year Round Waterfront on White Pond ! White Pond is a Private access clear water pond just 2 miles from Quabbin Reservoir & 30 minutes to the Amherst/Northampton 5 College area... This is an Lifetime Opportunity ! Built in 1978 this well built property has many updates including a huge composite waterfront deck for relaxing. No maintenance time overlooking your personal waterfront ! It will be nearly impossible to find a year round home with .45 acres on the water for this price ! This home is designed for Low Maintenance with Vinyl siding, Andersen windows, and Natural Landscaping (no mowing needed)
Open House
Thursday
October 19 at 11:00 AM to 1:00 PM
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Location: 106 Farnsworth, Athol, MA 01331    Get Directions

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Categories: Open House  


Posted by John Colby on 10/15/2017

If you are thinking of buying your first home, youíre thinking of making the single biggest purchase of your entire lifetime. Real estate is complex. From getting finances in order to understanding the entire process to securing the home you love, thereís so much that youíll need to know when it comes to buying your first home. 


What Is A Down Payment?


A down payment is a one-time cash payment that youíll provide at the closing table when you buy a home. How much your down payment is will have an effect on how much your monthly mortgage payment will be. It will also affect your initial home equity value. 


Should You Keep Renting?


First, youíll need to think of a savings goal and a timeline. The general rule is that if you own a home for at least 5 years, you have gotten your ďmoneyís worthĒ out of the closing costs and the fees you paid at the time you purchased your home. If you donít think youíll stay in a home for at least 5 years before making another move, you may want to consider renting until you know where you want to settle. 


What Can You Afford? 


Youíll need to calculate just how much home you can afford. Look at potential monthly mortgage payments plus taxes, fees, insurance, utilities and other monthly expenses that you have.


In dual-income households, itís nice if the living expenses can be covered just by one personís paycheck. Once you have an idea of your budget, you can price out homes that will meet your needs and be in your price range. 


Why You Should Save More


The best practice in buying a home is to put 20% down on the house. With this sizable down payment, it will be easier to get approved for a mortgage. Youíll also avoid needing PMI (private mortgage insurance.) This is an additional cost for people who put down less than a 20% down payment. This can cost you a lot of money each month, so itís best to save as much as you can for that initial down payment. 


Donít be discouraged. You can still buy a home with a lower percentage of a down payment, but youíll have to pay for the PMI and include the additional expense in your budget. The Federal Housing Administration has many different options available that allow you to put a smaller down payment on a home, so do your homework.  


How To Save 

           

Once you get an idea of about how much youíll spend on your home, you need to take action and start saving. There are many ways that you can save automatically without even thinking about it. You can choose a fixed amount or percentage of your paycheck and save it automatically into the house fund. Save as much as you can so youíll be able to make your home purchase more quickly. You may even want to consider putting your money into a money market account for a higher return on your savings once you reach a certain goal. 


Donít Forget To Save Your Bonuses


Whether you have received a gift or a sizable Christmas bonus, make sure that you put that money away towards your home purchase. Every little bit helps. While we may have an inclination to want to spend the money on more immediate things, youíll be happy that you saved your money when you head to purchase your house! 


Use Your IRA


The IRS allows a tax benefit for first time home buyers. You can take out up to $10,000 out of your IRA or Roth IRA for a first time home purchase. Your Roth IRA account must be at least 5 years old in order for you to do this. Distributions from this account are tax-free, but youíll need to pay tax if you withdraw form a traditional IRA. You should discuss any withdrawals that you do make with your financial advisor and your tax advisor. This could be an opportunity for you to build your wealth in a new way, so make an informed decision. 


Happy saving and happy house hunting!







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