Hayward, WI Real Estate
Have you heard enough bad news about real estate?
Yes, the market is slower than what it was three years ago, but ponder this. Hayward area real estate offices were involved in sales of more than $50,000,000 in residential waterfront and off-water homes in 2008! There were 113 waterfront home sales and 106 off-water home sales. This does not include any non-MLS homes that were sold. Not bad and the good new is that sales continue despite all the doom and gloom.
As soon as the Sawyer County fourth quarter and year-end numbers from the Wisconsin Realtors Association are available, I will report them to you. They won't be pretty in comparison to other years but remember $50,000,000 plus! People are still inquiring about properties & my day is scheduled tomorrow to show property - even in this weather!
This weekend is the Seeley Hills Classic Ski Race on Saturday and the Birkie Classic Trail Tour this Sunday. The snow is great and the temps are warming up....it is sunny and beautiful today.
Come on up and see us!
Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Dev & Realty
15617 Railroad Street
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
http://www.garynathan.com/
http://www.haywardwaterfront.com/
Friday, January 16, 2009
Monday, December 22, 2008
Thursday, December 11, 2008
Assessments - Market Impact
Greetings from snowy and beautiful Hayward, Wisconsin!
Every year I say the same thing when we near the end...where did the time go? Another year is almost in the books and it has been one to remember and to forget. So while you are reflecting, I want to call your attention to looking ahead in terms of property assessments.
Most of you know that 2005 ended the boom in real estate around the country and that is true for our area as well. Your property tax bill will be arriving in December and, of course, your real estate taxes are based upon the assessed value of your property. So that raises the question of whether the assessed value and the fair market assessed value (what the market is willing to pay) of your property is realistic?
Your 2008 property tax is based on the assessed value of your property as of January 1, 2008; in Wisconsin we pay real estate taxes in the rears which is different than our friends in Minnesota. So there is no correcting assessments for 2008.
Your local assessor will soon be establishing new values for 2009 which you may want to pay close attention to when you receive your notice this spring. There is an opportunity for you to discuss and review the assessment with your local assessor and even ask for a local board review. If you don't receive a notice, be sure to check with your Town Clerk for a copy of your new assessment. Filing an objection to your assessment is a fairly easy process.
When I review the numbers through the third quarter of this year I have not seen a great deal of change but I believe the fourth quarter numbers will have a much bigger impact due to foreclosures around the state. While most of us would agree that we want our properties to be valued correctly, we don't want to have to pay any more tax than necessary.
If you want more detailed information, please visit the Department of Revenue website at www.dor.state.wi.us/html/govpub.html. This site is very helpful with respect to property taxes and the assessment process.
On the local level:
The big hunt is completed and most folks I talk to said it was more challenging than usual to shoot or even see a big buck.
This is a wonderful time of year to visit Hayward as we prepare for many winter events. Come on up, shop and dine at our local establishments and enjoy our "north woods" atmosphere....you will be glad you did.
Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Developments & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
http://www.garynathan.com/
http://www.haywardwaterfront.com/
Every year I say the same thing when we near the end...where did the time go? Another year is almost in the books and it has been one to remember and to forget. So while you are reflecting, I want to call your attention to looking ahead in terms of property assessments.
Most of you know that 2005 ended the boom in real estate around the country and that is true for our area as well. Your property tax bill will be arriving in December and, of course, your real estate taxes are based upon the assessed value of your property. So that raises the question of whether the assessed value and the fair market assessed value (what the market is willing to pay) of your property is realistic?
Your 2008 property tax is based on the assessed value of your property as of January 1, 2008; in Wisconsin we pay real estate taxes in the rears which is different than our friends in Minnesota. So there is no correcting assessments for 2008.
Your local assessor will soon be establishing new values for 2009 which you may want to pay close attention to when you receive your notice this spring. There is an opportunity for you to discuss and review the assessment with your local assessor and even ask for a local board review. If you don't receive a notice, be sure to check with your Town Clerk for a copy of your new assessment. Filing an objection to your assessment is a fairly easy process.
When I review the numbers through the third quarter of this year I have not seen a great deal of change but I believe the fourth quarter numbers will have a much bigger impact due to foreclosures around the state. While most of us would agree that we want our properties to be valued correctly, we don't want to have to pay any more tax than necessary.
If you want more detailed information, please visit the Department of Revenue website at www.dor.state.wi.us/html/govpub.html. This site is very helpful with respect to property taxes and the assessment process.
On the local level:
The big hunt is completed and most folks I talk to said it was more challenging than usual to shoot or even see a big buck.
This is a wonderful time of year to visit Hayward as we prepare for many winter events. Come on up, shop and dine at our local establishments and enjoy our "north woods" atmosphere....you will be glad you did.
Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Developments & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
http://www.garynathan.com/
http://www.haywardwaterfront.com/
Thursday, December 04, 2008
HOME REMODELING = HAPPY RETURNS
Greetings from cold but mosquito-free Hayward, WI!
For most of my life it seems that I have been involved in remodeling and many times I have wondered if it is really worth it. If you are considering a rehab job, here are some thoughts and statistics from the latest National Assn. of Realtors “Remodeling’s 2008-2009 Cost vs. Value Report”.
On average, you can expect to recoup about 67% of your investment in 30 different home improvement projects. The projects range from kitchen and bathroom remodeling to the addition of a master suite, a garage or build-out of your attic. At the height of the housing boom in 2005 (yes, just 3+ years ago) home owners received an average payback of about 87% on these same projects. Still 67% is a pretty high rate when you consider our weak housing market. And remember that this is a national average; our area would tend to be higher because of lower labor costs.
Guess what the top project paybacks are.......ok, I won’t keep you in suspense. Exterior projects like siding, decks and windows (see my friends at Glassworks---an unpaid ad) lead the way for recovery on dollars spent. And why not, all of the above provide great curb appeal. According to the report only kitchen re-dos can compare to the exterior projects.
We do have to take into consideration that the cost recouped for any project depends on a variety of factors including the look of the finished project, condition of the rest of the house and the value of other homes in the neighborhood.
From my perspective, renovations do more than just give us good payback when we sell. Keep in mind you get to live in and enjoy the renovation; a buyer has less to do when you sell which also results in less negotiation over imperfections. Less stress for buyers usually means more money for the seller.
For most of my life it seems that I have been involved in remodeling and many times I have wondered if it is really worth it. If you are considering a rehab job, here are some thoughts and statistics from the latest National Assn. of Realtors “Remodeling’s 2008-2009 Cost vs. Value Report”.
On average, you can expect to recoup about 67% of your investment in 30 different home improvement projects. The projects range from kitchen and bathroom remodeling to the addition of a master suite, a garage or build-out of your attic. At the height of the housing boom in 2005 (yes, just 3+ years ago) home owners received an average payback of about 87% on these same projects. Still 67% is a pretty high rate when you consider our weak housing market. And remember that this is a national average; our area would tend to be higher because of lower labor costs.
Guess what the top project paybacks are.......ok, I won’t keep you in suspense. Exterior projects like siding, decks and windows (see my friends at Glassworks---an unpaid ad) lead the way for recovery on dollars spent. And why not, all of the above provide great curb appeal. According to the report only kitchen re-dos can compare to the exterior projects.
We do have to take into consideration that the cost recouped for any project depends on a variety of factors including the look of the finished project, condition of the rest of the house and the value of other homes in the neighborhood.
From my perspective, renovations do more than just give us good payback when we sell. Keep in mind you get to live in and enjoy the renovation; a buyer has less to do when you sell which also results in less negotiation over imperfections. Less stress for buyers usually means more money for the seller.
Remember my blog back a couple of weeks where I talked about growing up in a farm home….take a look at the picture attached taken over Thanksgiving vacation. On the left is my brother, Dennis, at our old farm home. If you think the outside looks bad, you should see the inside! No amount of money could rehab this place! We didn’t leave it this way but you wouldn’t want all the boring details.
The long and short is that despite the weak housing market remodeling dollars spent is still a solid investment.
Come on up and see us; there is ice on the small lakes and just starting on the big lakes; word has it that fishing is very good. Have a great weekend and enjoy!
Life is a Gift…Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
http://www.garynathan.com/
http://www.haywardwaterfront.com/
Come on up and see us; there is ice on the small lakes and just starting on the big lakes; word has it that fishing is very good. Have a great weekend and enjoy!
Life is a Gift…Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
http://www.garynathan.com/
http://www.haywardwaterfront.com/
Friday, November 21, 2008
NO SURPRISE - Q3 HOME SALES DOWN
Greetings from Hayward, WI!
Third quarter home sales and median prices slipped this past quarter as compared to the third quarter of 2007, this according to a recent report from the Wisconsin Realtors Assn.
Wisconsin existing home sales were off by 16.7% while median prices finished 5.3% lower at an average of $160,000. Nationally existing home sales were down 7.7% with some pockets of the U.S. starting to show some positive signs,
Sawyer County results showed that existing home sales for Q3 totaled 76 as compared to 101 sales for the same period in 2007. The median price sank to $170,000 as compared to $180,000 a year ago. Interestingly enough that median price of $170,000 for Q3 is exactly where we finished in 2007 in average median price. Like the nation and the State there are areas in Sawyer County that have fared better than others.
Is there any good news? Since 2001 housing has still appreciated 24.4%; owning your own home continues to be a good investment. Mortgage rates remain very favorable and banks are willing to loan money to qualified buyers. Inventories are high so buyers have much to choose from. According to William Malkansian, president of the Wisconsin Realtors Assn., modest downward price adjustments can actually be a healthy thing in a soft market. Buying in this market should result in solid appreciation over the long term.
But the really big news is that the sacred holiday has arrived, yes it is Deer Season in Wisconsin and it opens on Saturday. Have a great weekend and plan to make a trip to Hayward soon. Happy Thanksgiving and safe travels as well.
Life is a Gift…Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
www.garynathan.com
www.haywardwaterfront.com
Third quarter home sales and median prices slipped this past quarter as compared to the third quarter of 2007, this according to a recent report from the Wisconsin Realtors Assn.
Wisconsin existing home sales were off by 16.7% while median prices finished 5.3% lower at an average of $160,000. Nationally existing home sales were down 7.7% with some pockets of the U.S. starting to show some positive signs,
Sawyer County results showed that existing home sales for Q3 totaled 76 as compared to 101 sales for the same period in 2007. The median price sank to $170,000 as compared to $180,000 a year ago. Interestingly enough that median price of $170,000 for Q3 is exactly where we finished in 2007 in average median price. Like the nation and the State there are areas in Sawyer County that have fared better than others.
Is there any good news? Since 2001 housing has still appreciated 24.4%; owning your own home continues to be a good investment. Mortgage rates remain very favorable and banks are willing to loan money to qualified buyers. Inventories are high so buyers have much to choose from. According to William Malkansian, president of the Wisconsin Realtors Assn., modest downward price adjustments can actually be a healthy thing in a soft market. Buying in this market should result in solid appreciation over the long term.
But the really big news is that the sacred holiday has arrived, yes it is Deer Season in Wisconsin and it opens on Saturday. Have a great weekend and plan to make a trip to Hayward soon. Happy Thanksgiving and safe travels as well.
Life is a Gift…Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
www.garynathan.com
www.haywardwaterfront.com
Saturday, November 15, 2008
Bailout Locally
Greetings from the North Woods!
The bailout has been talked about and written about a great deal but how does it affect us locally? While we have not suffered as many foreclosures or a real estate bubble that has burst, we have certainly been affected. From my perspective, the biggest issue facing all of us as buyers, sellers, realtors, etc. is the tight mortgage and credit markets. How quickly and "effectively" the bailout plan is implemented will have a big effect on buyers securing the credit they need in order to purchase the real estate we have to sell.
Locally, our financial institutions are very solid and actively making loans to qualified buyers. However the overall market meltdown and economic slowdown has triggered tighter lending policies. Gone, for the most part, are the days of zero to low down payments.
There are postives in all of this! Current lending policies cause people to only borrow according to affordability. Financial institutions have implemented plans to help keep people in their homes and forestall foreclosures. People are also having to budget and plan better. Sellers are more realistic in pricing and buyers are better at due diligence. Overall, I believe it can bring a new energy to the market. It is usually in the toughest circumstances that we learn the best lessons.
Additionally, I remain optimistic because the phone has kept ringing and deals are coming together. Traditionally November usually marks the beginning of the slowest period in real estate. Fortunately, that gives us time to reload and get ready for Valentines Day when the real estate market begins another busy season. The last time I checked, they weren't making more real estate - especially lakeshore!
Have a wonderful weekend and come on up and see us soon...Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
www.garynathan.com
www.haywardwaterfront.com
The bailout has been talked about and written about a great deal but how does it affect us locally? While we have not suffered as many foreclosures or a real estate bubble that has burst, we have certainly been affected. From my perspective, the biggest issue facing all of us as buyers, sellers, realtors, etc. is the tight mortgage and credit markets. How quickly and "effectively" the bailout plan is implemented will have a big effect on buyers securing the credit they need in order to purchase the real estate we have to sell.
Locally, our financial institutions are very solid and actively making loans to qualified buyers. However the overall market meltdown and economic slowdown has triggered tighter lending policies. Gone, for the most part, are the days of zero to low down payments.
There are postives in all of this! Current lending policies cause people to only borrow according to affordability. Financial institutions have implemented plans to help keep people in their homes and forestall foreclosures. People are also having to budget and plan better. Sellers are more realistic in pricing and buyers are better at due diligence. Overall, I believe it can bring a new energy to the market. It is usually in the toughest circumstances that we learn the best lessons.
Additionally, I remain optimistic because the phone has kept ringing and deals are coming together. Traditionally November usually marks the beginning of the slowest period in real estate. Fortunately, that gives us time to reload and get ready for Valentines Day when the real estate market begins another busy season. The last time I checked, they weren't making more real estate - especially lakeshore!
Have a wonderful weekend and come on up and see us soon...Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
www.garynathan.com
www.haywardwaterfront.com
Saturday, November 08, 2008
Rise & Shine!
Growing up on the farm in North Dakota was a good thing; the hard work kept me off the streets and taught me many good lessons about living. It would bug the heck out of me when my dad would call up the stairs of our small two-story farm home at 4:30 or 5:00 am and say “get up the day is a-wastin” or “rise and shine”. I wanted to yell back “I’ll rise but don’t expect me to shine." That would have been a seriously dumb thing to do!
There were many tough times, like six foot snow banks to crawl over just to get to the barn to milk cows, hail that shredded crops or putting up hay in 100 degree heat. Sometimes there wasn’t much money but dad and my mom just kept working.
People would say “what are you going to do”? My dad’s answer typically was “I’m going to get up, put my pants on and go to work." Dad didn’t always know what the results would be but he worked through the tough times.
Times are pretty tough in our economy and in real estate. Personally, I’m not complaining about the real estate business but I know it has been very hard for many people and I do feel for them. I don’t have all the answers but I am an optimist and my mantra continues to be “rise and shine”, put my pants on and go to work.
It’s Saturday morning…..have a wonderful weekend…..I’m going to work!
Life is a Gift…Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad Street
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
www.garynathan.com
www.haywardwaterfront.com
There were many tough times, like six foot snow banks to crawl over just to get to the barn to milk cows, hail that shredded crops or putting up hay in 100 degree heat. Sometimes there wasn’t much money but dad and my mom just kept working.
People would say “what are you going to do”? My dad’s answer typically was “I’m going to get up, put my pants on and go to work." Dad didn’t always know what the results would be but he worked through the tough times.
Times are pretty tough in our economy and in real estate. Personally, I’m not complaining about the real estate business but I know it has been very hard for many people and I do feel for them. I don’t have all the answers but I am an optimist and my mantra continues to be “rise and shine”, put my pants on and go to work.
It’s Saturday morning…..have a wonderful weekend…..I’m going to work!
Life is a Gift…Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad Street
Hayward, WI 54843
715-699-4040
nathan@cheqnet.net
www.garynathan.com
www.haywardwaterfront.com
Friday, October 31, 2008
Bailout
Greetings from sunny and warm Hayward!
Many people ask what kind of an affect the Emergency Economic Stabilization Act will have going forward as it relates to real estate. It certainly will affect buyers and sellers and overall consumer confidence; freeing up cash and credit is critical as well as working through more of the mortgage mess.
For the most part, I don’t see any immediate results; this is the kind of plan that will take several months before we see results but I believe the outcome will be positive. Add to the soft real estate market, the election and the financial crisis around the globe and one can feel like a deer in head lights.
The upside is that U.S. home sales were up last month, though median price was down and U.S. inventory of homes moved much lower. In addition, home mortgage rates are in great shape and local banks in particular are eager to loan to credit-worthy buyers. Locally we still have a good inventory of homes which is good for buyers.
Amidst all this turmoil folks still are shopping for that “up north retreat” and the opportunity to build family memories. Personally, I believe the real estate debacle got us here and will lead us out again as has been the case historically. The U.S. is not shrinking, nor are we in Sawyer County, so housing will continue to be a need for primary home owners as well as a “want” when it comes to secondary home owners.
If we can weather what went on in 2008, I am confident we can deal with the bailout plan and make 2009 another success.
Come on up and enjoy our beautiful north woods, fresh air and lakes…Life is a Gift…..Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad Street
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
http://www.garynathan.com/
Many people ask what kind of an affect the Emergency Economic Stabilization Act will have going forward as it relates to real estate. It certainly will affect buyers and sellers and overall consumer confidence; freeing up cash and credit is critical as well as working through more of the mortgage mess.
For the most part, I don’t see any immediate results; this is the kind of plan that will take several months before we see results but I believe the outcome will be positive. Add to the soft real estate market, the election and the financial crisis around the globe and one can feel like a deer in head lights.
The upside is that U.S. home sales were up last month, though median price was down and U.S. inventory of homes moved much lower. In addition, home mortgage rates are in great shape and local banks in particular are eager to loan to credit-worthy buyers. Locally we still have a good inventory of homes which is good for buyers.
Amidst all this turmoil folks still are shopping for that “up north retreat” and the opportunity to build family memories. Personally, I believe the real estate debacle got us here and will lead us out again as has been the case historically. The U.S. is not shrinking, nor are we in Sawyer County, so housing will continue to be a need for primary home owners as well as a “want” when it comes to secondary home owners.
If we can weather what went on in 2008, I am confident we can deal with the bailout plan and make 2009 another success.
Come on up and enjoy our beautiful north woods, fresh air and lakes…Life is a Gift…..Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad Street
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
http://www.garynathan.com/
Friday, October 24, 2008
Stork Report
While all the world is in a tizzy over the economy and our nation is stumbling through stock market mania, a nasty election process, job lay-offs and more.....I have some very uplifting news.
Amanda, my personal associate, and her husband, Jeremy are the proud new parents of "Macie Lynn" who was born into this world on Wednesday at 11:55 am. She is healthy and is 6 lbs. 6 oz. and has dark hair and eyes. Fortunately, she is beautiful like her mother and has her father's quiet disposition. Yes, Macie's parents are proud and so are we!
So in light of all the bad stuff that is going on, we give thanks to the Lord for all that is good and especially for family and friends.
Despite the doom and gloom we continue to answer the phones, show and sell properties and are thankful we live in Hayward, WI. This kind of economic turmoil tends to favor real estate investment so we are hopeful, remain optimistic and look forward to the challenges in 2009.
Normally, I close with Life Is Good....Enjoy....but I think it is time to coin a new phrase....Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
http://www.garynathan.com/
Amanda, my personal associate, and her husband, Jeremy are the proud new parents of "Macie Lynn" who was born into this world on Wednesday at 11:55 am. She is healthy and is 6 lbs. 6 oz. and has dark hair and eyes. Fortunately, she is beautiful like her mother and has her father's quiet disposition. Yes, Macie's parents are proud and so are we!
So in light of all the bad stuff that is going on, we give thanks to the Lord for all that is good and especially for family and friends.
Despite the doom and gloom we continue to answer the phones, show and sell properties and are thankful we live in Hayward, WI. This kind of economic turmoil tends to favor real estate investment so we are hopeful, remain optimistic and look forward to the challenges in 2009.
Normally, I close with Life Is Good....Enjoy....but I think it is time to coin a new phrase....Life is a Gift...Live It!
Gary Nathan
Amanda Mavis
Woodland Dev. & Realty
15617 Railroad St.
Hayward, WI 54843
715-699-4040
nathan@garynathan.com
http://www.garynathan.com/
Friday, October 03, 2008
Current Sales Statistics!
Greetings!
It's a beautiful, sunny and crisp morning in northern Wisconsin and the colors are terrific; we had a pretty hard frost in town last night.
Several folks have asked how things are going in our market so Chris (my colleague in the office) provided some quick “lake home” statistics.
- Sawyer County has had 122 lake home sales (condos and single family) over the past 12 months (10/2/07 – 10/2/08).
- The average sale price was $336,884 (93% of list price).
- The previous 12 months (10/2/06 – 10/2/07) we had 151 sales with an average sale price of $328,262 (94% of list).
- The number of units sold is down 19% and the average price is up 2.6% although the % of sale price/list price went down by a point.
This information is according to the local Multiple Listing Service so it provides pretty good data for properties that are listed on the MLS. Of course, there are sales occurring that aren't. The positive side of me sees this news from the perspective that average price and sale price to list price is holding pretty steady. In spite of all the bad news, this has been a very good year for many of us!
This weekend is Cranberry Festival in Stone Lake and Apple Fest in Bayfield so come on up and enjoy the fall colors and fun.
Life is Good…..Enjoy!
Gary A. Nathan
Amanda Mavis
Woodland Developments & Realty
15617 Railroad Street, Hayward, WI 54843
715-699-4040 Cell
715-634-2110 Office
715-634-2884 Fax
nathan@cheqnet.net
www.garynathan.com
www.haywardwaterfront.com
It's a beautiful, sunny and crisp morning in northern Wisconsin and the colors are terrific; we had a pretty hard frost in town last night.
Several folks have asked how things are going in our market so Chris (my colleague in the office) provided some quick “lake home” statistics.
- Sawyer County has had 122 lake home sales (condos and single family) over the past 12 months (10/2/07 – 10/2/08).
- The average sale price was $336,884 (93% of list price).
- The previous 12 months (10/2/06 – 10/2/07) we had 151 sales with an average sale price of $328,262 (94% of list).
- The number of units sold is down 19% and the average price is up 2.6% although the % of sale price/list price went down by a point.
This information is according to the local Multiple Listing Service so it provides pretty good data for properties that are listed on the MLS. Of course, there are sales occurring that aren't. The positive side of me sees this news from the perspective that average price and sale price to list price is holding pretty steady. In spite of all the bad news, this has been a very good year for many of us!
This weekend is Cranberry Festival in Stone Lake and Apple Fest in Bayfield so come on up and enjoy the fall colors and fun.
Life is Good…..Enjoy!
Gary A. Nathan
Amanda Mavis
Woodland Developments & Realty
15617 Railroad Street, Hayward, WI 54843
715-699-4040 Cell
715-634-2110 Office
715-634-2884 Fax
nathan@cheqnet.net
www.garynathan.com
www.haywardwaterfront.com
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