Debbie Sinagoga
As a resident of the Pinnacle Peak area, Debbie has the knowledge and expertise of the local real estate market to help you find the right home or property. You may search the MLS system in the privacy of your home through www.PropertiesInScottsdale.net. Then contact Debbie to discuss your real estate options as a buyer or seller and to submit your questions for the next issue’s “Ask Debbie” column.
Ask Debbie...
Q: HOW DO I DETERMINE IF I HAVE THE APPROPRIATE HOMEOWNER’S COVERAGE ON MY HOME? A: Your home may be the biggest investment you will ever make. So, in order to protect your investment in this ever-changing real estate market, it is crucial to understand the key components to determining the appropriate coverage on your home. First, make sure your home is insured for at least 100% of its estimated replacement cost. Next, understand the difference between “Market Value” and “Replacement Cost.” Market value is the amount a buyer is willing to pay, including land, regardless of how much it would cost to rebuild the home. Replacement cost is the rebuilding cost necessary to repair or replace the entire home and is not considered the market value, the land value, or the outstanding mortgage loan owed on the home. Finally, be aware of any architectural details or unique building materials that may affect your estimated replacement cost, such as upgraded bathrooms or kitchens (including cabinetry); additional rooms or living space; custom molding or arched windows. Building contractors and professional replacement cost appraisers are a good source for obtaining an estimated replacement cost for your home. You may also contact your local insurance agent. Information provided in this column is from Mike Bucca of State Farm Insurance Company.
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Featured Properties TALUS AT TROON NORTH Custom Territorial by RS Homes 4 Bedrooms + Den / 3.5 Baths / Great Room Floorplan / Down-Valley Views • $1,247,500 www.tourfactory.com/655698
TROON RIDGE ESTATES Cul-de-sac Lot with Pinnacle Peak and Troon Mountain Views / 4 Bedrooms / Gourmet Kitchen Hardwood Floors / 3 Stone Fireplaces • $1,150,000 www.tourfactory.com/573095
pamper your houseguests PINNACLE PEAK VISTAS Territorial Custom Home on 1.5 Acres Gourmet Kitchen / 4 Bedrooms / 3.5 Baths Pool with City Light and Sunset Views • $1,125,000 http://www.visualtour.com/show.asp?T=2221558
SILVERLEAF CUSTOM HOMESITE Largest Building Lot in The Parks in Silverleaf Backs to Two Fairways / Corner Lot McDowell Mountain Views $875,000
TROON RIDGE ESTATES Territorial Home / Mountain Views 3 Bedrooms / 3 Baths / 2-Car Garage $750,000 www.tourfactory.com/540233
SHEA CORRIDOR One-Acre Lot in Scottsdale Territorial Home with Pool / Private Tennis Court Great Room $619,000
WINDY WALK ESTATES Contemporary Custom in Troon Great Room with Contemporary Kitchen Mountain and City Light Views • $599,000 www.tourfactory.com/590005
AHWATUKEE FOOTHILLS 3 Bedroom + Den / 3 Baths / 3-Car Garage Mountain Views / Mosaic Glass Tile Pool Ancient Stone Patio • $439,000 www.tourfactory.com/665523
DEBBIE SINAGOGA
Debbie.Sinagoga@SothebysRealty.com www.PropertiesInScottsdale.net If your home is currently listed, this is not a solicitation for that listing.
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Arizona Homeowner November / 2010
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Creating a Stand-Out Guest Room
infused with earthy flavors Ocean Prime’s Goat Cheese Raviolis