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The Canadian Statesman, Bowmanville, September 30, 1998 Page 11 J Real Estate Deadlines and Policies Deadline for Wednesday Publication is Monday at 12:00 Noon. Any compensation for errors or omissions by The Canadian Statesman will be limited to the value of the space occupied by the error in the advertisement. ^ Please phone 623-3303 and ask for the Real Estate Sales Department j Crime Stoppers Clues Sought in Hold-Up Crime Stoppers and Durham Regional Police arc asking for your assistance assistance in solving a robbery that occurred in Oshawa on September I of this year. Around 5:15 p.m. a i PETER KOWAL Real Estate Limited Broker 52 King St. West Bowmanville Phone: (905) 623-2453 Fax: (905) 623-0136 BOWMANVILLE BUNGALOW Great location, just one block from hospital and close to shopping and bus. 61 x 105 II, lot. 3 bedroom home with gas heat, maintenance-free maintenance-free exterior, fireplace fireplace in living room. Call to see it today. 623-2453. BUILDING LOTS Langstaff Road, Kendal, 6 acre lot - levies paid. $49,500. Hwy. 2, Newcastle .99 acre with 118 ft. frontage; well and bush. $59,900, Rack Island, Rice Lake. Mainland docking and parking parking included. 150'x 150' lot. dust $31,900. DOWNTOWN COMMERCIAL PROPERTIES AVAILABLE: Good investment opportunities. opportunities. Please call office for full details. AFTER HOURS: John Bate* 905-697-1619 Doreen Tillson* Pager 1-888-543-3208 Elaine Kowal* 905-623-5868 BillTuransky** 905-983-5420 Peter Kowal*** 905-623-5868 * Sales Rep. " Assoc. Broker '"Owner/Broker male party walked into a branch of the Canada Trust at l Simcoc Street North. He approached a teller, handing her a hold-up note demanding money. The suspect advised the teller that he was in possession of a gun. The clerk complied, handing over a sum of money which also contained contained a dye pack. As the suspect fled the bank on foot north on Simcoc and then castbound through a nearby alleyway, the dye pack activated. The money was recovered in the alley- way, just north of the bank where it had been discarded, discarded, It was covered in red dye from the pack. The suspect sought in this incident is described as white male, 20-22 years of age with short, fair- coloured hair, 5 foot 10 inches tall with slender build. He reportedly has a deformed left eye with the eyelid half closed as well as a tattoo on his right forearm. forearm. He was last seen wearing wearing a dark coloured T-shirt and pants. It is believed that the red dye would have been transferred to his hands, clothing and shoes. Crime Stoppers will pay a cash reward for any information information that will lead to an arrest in this incident. Callers never have to give their name or testify in court and we do not use Call Display. Remember, Crime Stoppers is interested interested in "What You Know" not "Who You Are". Our numbers are 436-8477 or 1- 800-222-TIPS. Sergeant Kevin Slaney is the police co-ordinator with the Durham Regional Crime Stoppers program and submits this article in the interest of solving crime. ybrAimf Chris & Darlene Hobbs _ WYj Sales Representatives -- 1 "Specializing in Unique and EXCEL Country Properties" (905) 697-1550 HEAD FOR THE HILLS! Stunning custom 2700 sq. ft. home on about an acre! Vaulted ceilings, French doors, skylight, lots of windows windows and walkouts to welcome nature ini Four big bedrooms. Luxury ensuite bath. Beautiful honey oak kilchenl Formal living room and dining rooms. Family room walks out to knockout inground pool! Great big garage! Spotless in and oull On the edge of ihe Ganaraska Forest at Garden Hill $229,900. A LITTLE OLD FASHIONED? Step back to old fashioned family values in this gracious village Victorian! Large pine kitchen overlooks overlooks family room with woodburning woodburning fireplace. Grand living and dining dining rooms with high ceilings and warm wood floors. Three bedrooms. Two baths. Gas heal. Large detached garage. Spacious, private hedged yard with circular drive and towering trees! A delightful lifestyle home in the village of Oronol $189,900. ■■■llllllllllllllllllllll Broker ROYAL LEPAGE Independently Owned and ^^^llllllllllllllllllllll Operated FRANK REAL ESTATE 234 King Street East, Bowmanville Telephone 623-3393 Toronto Lino 686-1035 INDUSTRIAL UNITS FOR $700 PER MONTH Located in Bowmanville, Modern building with drive-in door and 18 foot ceilings. Call John Shewchuk* 623-3393 or 623-5927. 75 ACRES IN NEWCASTLE 2 road frontages with stream. 15 acres of beautiful park-like property with pine and cedar trees. This is the perfect property to build your dream home. Just listed listed at $167,900. Call Charlie Reid* 623-3393 or 983-5914. 116 ACRES- OVERLOOKING OSHAWA Looking for a great spot to build your dream home? 95 acres of workable land and 2 acre pond. Very private. Asking $269,900. Call Charlie Reid* 623-3393 or 983-5914. ^LlMl STROLL TO EVERYTHING Roomy century home with big dining room and 3+1 bedrooms, In a groat area In Bowmanville. Asking $139,900. Call DirkWoudstra* 623-3393 or 987-1350. jp$gj hiss MAGNIFICENT STONE SIDESPLIT • LESKARD Absolutely gorgeous will) oak kllclion, sunken living room, formal formal dining room, 3 bedrooms anil 3 Unllis, Has a llnlslmd family family room with walkout lo Sunroom and a 10 x 30' Innround pool. Also lias a pnvod dilvowny wfih a 2-cnr garngo. Asking $259,900. Call Chnrllo Reid* fion-Mon nr 983-5914. 3 BEDROOM, 2 STOREY WITH GARAGE Finished baseman!, gas heal, above ground pool, and now rool, Located In Bowmanville closo lo schools. Asking $119,900, Call DirkWoudstra* 623-3393 or 987-1350. Hospital Foundation Big Winner in Golf Tourney What better way to honour the winners of the 1st Annual Memorial Hospital Foundation Golf Tournament than with a Bed Pan Trophy! David Webb, Brian Nicholl, Craig Fowlis and Paul Notarandrca recorded the lowest score in the scramble format tournament to take home the prized trophy. Taking part in the ceremonies were LPGA Hall of Fame: Sandra Post, CFTO Sports Anchor Joe Tilley, and tournament organizers Paul Morris and Dave McQuillan. The big winner winner on the day was the Hospital Foundation after more than $14,000 was raised during the tournament. Agricultural Calendar Oct. 1-4 Markham Fair (contact 905-642-3247) Oct. 1 7:00 p.m. York Holstein Show, Markham Fair Oct. 6 8:00 p.m. York Region Federation of Agriculture Annual Meeting, York Region Civic Centre, Newmarket Oct. 8 11:45 a.m. Agri-Outlook, OMAFRA, Port Perry Oct. 10-12 Woodbridge Fair (contact 905-851- 6274) Oct. 22 7:00 p.m. Durham Region Plowing Banquet, Grccnbank United Church Oct. 24 Durham East 4-H Awards Night, Baseline Community Centre, Bowmanville Oct. 27 8:00 p.m. Durham Region Federation of Agriculture Annual Meeting, OMAFRA, Port Perry Nov. 3 8:00 p.m. York Region Federation of Agriculture Meeting, York Region Civic Centre, Newmarket Nov. 5-14 Royal Winter Fair, Toronto (contact 416- 393-6400) Nov. 8-9 Scotiabank Hays Classic Dairy 4-H Show, Royal Winter Fair, Toronto Nov. 12 7:00 p.m. Shepherd's Calendar Meeting, Dick and Marilyn Kuiperij's, Woodvillc How to Save for a Down Payment This article is provided by local Realtors and the Ontario Real Estate Association (OREA) for the benefit of consumers in the real estate market. Owning your own home has a lot of payoffs, especially especially these days when mortgage rates are still among the lowest lowest in 30 years. There are also many housing options available available in a wide range of prices. Simply put, you can carry a home of your own for no more than what you would pay in rent. And, unlike renting, renting, your payments go toward increasing the equity in your home. So, what's stopping you? For most people who have never owned a home before, it's the initial down payment and the ability to keep up with the monthly financial obligations (mortgage payment, payment, insurance, utilities, maintenance). The effort to save for and buy a home may require you to make significant changes in your way of life. For most people, it means changing their spending and lifestyle habits to support the additional additional costs of saving for, paying for, and maintaining a home. ' One of the best ways of saving for a down payment is to take advantage of government government programs available to first-time home buyers. A real estate professional can help you understand how these programs work and ensure that you get the maximum benefit possible. RRSP Home Buyers' Plan Contribute to a Registered Retirement Savings Plan (RRSP) regularly and to the maximum allowed. The federal federal government's RRSP Home Buyers' Plan enables eligible taxpayers to withdraw withdraw up to $20,000 tax free from their plan to buy or build a qualifying home. The amount of money withdrawn must be repaid within 15 years. If you buy the qualifying home together with your spouse or other individuals, each person can withdraw up to $20,000 tax free. A government government form must be completed for each withdrawal. Generally, an RRSP holder holder can participate in the Home Buyers' Plan only once in a lifetime. The pamphlet, Home Buyers' Plan (HBP) - For 1998 Participants, is available available from Revenue Canada and will help you determine if you arc considered a firsttime firsttime home buyer. A qualifying home is a housing unit located in Canada. Those participating in 1998 have to buy or build a home before Oct. 1, 1999. You must also agree to occupy occupy the home as your principle residence no later than one year after buying or building it. Once you occupy the home, there is no minimum period of time that you have to live there. Ontario Home Ownership Savings Plan (OHOSP) OIIOSP is a provincial program where participants receive interest on the money they deposit and may receive a lax credit. If you earn less than $40,000 a year, or if you and your spouse have a combined combined income of less than $80,000, you can benefit from the program, To be eligible, eligible, you must be an Ontario resident over 18 years of age with a social insurance number number and have never owned a home, While there is no limit to the amount of money you may deposit in your OIIOSP, you can only receive OIIOSP tax credits on annual contributions contributions of $2,000 ($-1,000 per couple) or less, Depending on your annual income and the amount of money you invest, you can earn up to $500 individually individually or $ 1,000 a couple in OIIOSP tax credits. Participants are eligible for tax credits for five consecutive consecutive years and must close the plan and use the funds to pur chase a home by the end of the seventh year. Otherwise, OHOSP tax credits must be repaid with interest. CUSTOMER SERVICE 1 st PRIORITY John Fowler Sales Representative Off. 623-3393 Broker ROYAL LePAGE mdepentty Owned ■■■■llllllllllllllllllllll and Operated FRANK REAL ESTATE 234 King Street East, Bowmanville Res. 623-7928 FIRST HOME BUYERS... Take a drive lo tho country to see this 3 bedroom bungalow which features a large kitchen, family room and a huge yard backing onto treed area. A must see at the price of only $ 109,900, For more info, call Joanne Simpion-Mulder at 623-4445 or page at 576-5300, Joanne Simpson- Mulder Sales Representative REALTY SHIRMAX ESTATE SALE: $254,900. Don't miss out on this beautiful dream century home. Upgraded: windows, insulation, wiring, plumbing, newer furnace, new well and system. Four (5) bedrooms, formal living and dining room, family room with fireplace, large kitchen with main floor laundry. Insulated workshop/garage and two other large out buildings. All on 1.4 treed acres including perennial beds and goldfish ponds. For appointment call: (905) 786-9806. Tour on the net: http://membcrs.spree.coin/ctf_design/liouse/index.htm cjp Ellie Kinnear Sales Representative Ontugc. 1 '****^-**T** mA, excel.com realty inc. 600 Grandview St. S., Unit #8, Oshawa, Ontario PRICED TO SELL! $103,800. This nicely decorated semi In great North End Bowmanville offers forced air heating, 3 bedrooms, eat-in kitchen kitchen and a large deck with private back yard. Won't last at this price. Call Ellie today at .905-721-1144 or 431-0461. SPOTLESS FREEHOLD! 5 APPLIANCES! $116,900. Eat-in kitchen wilh oak cabinets and built-in dishwasher, walkout, 3 bedrooms, bedrooms, gas heal, attached garage. Call Ellie at 905-721-1144 or 431-0461* Del's Mortgage Watch Today's Best Rate for First Mortgages. * Best Rates as of September 30th, 1998 ADJUSTABLE RATE MORTGAGE... 6.19% 6 Months 6.50% 4 Year 6.20% I Year 6.25% 5 Year 6.20% 2 Year 6.29% 7 Year 6.40% 3 Year 6.18% 10 Year 6.55% NOTE: We handle the transfer of an existing mortgage at No Cost! WE ALSO ARRANGE: • Second Mortgages • Credit Lines • Personal Loans CALL: DEL DYKSTRA 697-3300 nci TnM4r FINANCIALLTD ' I Division Street I wIM MORTGAGES Bowmanville TOP 1 BOWMANVILLE Exceptional Adult Lifestyle Condominiums ■ 79 suite condominium residence ■ Located in the historic centre of Bowmanville ■ Small town friendliness, big city amenities ■ 1,2 or 3 bedroom models are available ■ Open concept designs with patios or balconies ■ Some suites with panoramic view of Lake Ontario ■ Complete array of recreational amenities Priced from $ 98,900 Site Hours: Thursday - Sunday 11 a.m. - 4 p.m. (905) 623-4445 Represented by Exit Realty Shirmax oj.p. wm cornerstone realty ltd., realtor 104 King St £., Bowmanville 623-6000 CENTRAL STARTER David Vinyl clad| 4 bedroom, 1 1/2 storey. Newer gas Passant" hea1, eal-ln kitchen, mature trees. Asking $109,000. Assoc. Broker Als& $45,900. 3/4 acre building lot Over 23 Years $219,900. Country rancher on 3 acres, of Service trout stream For a market evaluation of your home, please ask for David Passant**, Associate Broker, todayl 623-6000 Marg Bain* Sales Rep. Call for details at (905) 623-6000 ALL YOU CAN ASK FOR Comes with this well decorated and landscaped landscaped 4 bedroom, 2 storey home located In one of Bowmanville's choice areas. Main lloor family room with fireplace, separate dining room, circular staircase loads to master bedroom bedroom wilh huge ensuite and sitting area. The oat-in kitchen has walkout to yard and play area. Asking $219,900. Call Marg Bain* (905) 623-6000, OPEN HOUSE SUNDAY, 1 - 4 p.m. 70 HART BLVD., NEWCASTLE window overlooks 138 It. fenced yard with lovely gardens, multi-level decking, above ground pool and hot tub. Spacious roc room. Gas heat. $146,900, Go Highway 2 to Rudell Road, south on Rudell to Hart. Follow signs. Call Linda McLennan" (905) 623-6000, Call Linda McLennan" Associate Broker 623-6000 SENIORS OR FIRST TIMERS This beautiful raised bungalow wilh 1 1/2 car garage Is tastefully decorated. In River Valley Estates In Bowmanville, It has an open concept living room/dining room and oat-in kllclion wilh loads ol oak cupboards, finished roc room with llroplaco, 3 bedrooms (2 up, 1 down), 2 ■ 4 pc, bathrooms. Control air, A pions- uro lo vlow and priced to sell at $143,900, Tills won't Inst so call Ron Mooro now at 623-6000. \ -, V -r '4 m Ssisil DON'T DELAY Charming 3 bodroom semi with foncod yard, ont-ln kitchen, loads ol cupboards, gas Into houso, Closo to downtown Bowmnnvlllo and schools. Idonl lor first lime buyers, carries loss than rent. Call Ron Mooro' lo Inspect 623-6000, I !•;■,•' fit. j'tvjr nil; 'V-b vt -'U n.v '.vy - r<c i 'V w^v; v? r-.H i v'Ui 'id 1 ?. d'Vi VP. ,!nv ' r \ '?y ,-ï ,.7