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Owning a Home

Home ownership has been a great investment for me. I bought my first house in November 2006 for $192K (with 20% down.) I sold it in August 2009 for $250K. I put $56K down on a nicer place and $20K in the bank.

My house is 100 years old, but is in great shape. New furnace, new roof, new AC, new water heater and sprinkler system. I'm not too worried about any major expenses, beyond basic maintenance.

Property taxes in my city are comparatively low - $1400/yr for my house.

And don't forget that mortgage interest and points are tax deductible. I take my refund and pay down the principal. I make paying off my loan as soon as possible a priority. During the course of my 30 yr. fixed rate, total interest paid will equal the purchase price of the house itself. I'd like to avoid that.
 
Having gone full circle from renting to ownership and now back to renting, I'm liking the renting.
Shortly after moving in the hot water heater went. With 1 phone call it was replaced in 24 hours at no cost to me.
There is no snow removal or lawncare for me to worry about.
At my age the chances of me living long enough to pay off a mortgage are slim to none. Add to the cost of maintaining and being single, I'm ok renting.
 
Thynight said:
Is there a way I can find out what my prospective property taxes may be? What does it go off of? Size and value?
Click to expand...

It's usually a percentage of the city's appraisal value of the property plus buildings. You should be able to access that info. at "said city".gov, and type in the address.

Keep smilin'!! :kiss:(*8*)
Chaz ;)
 
Kyanimal said:
It's usually a percentage of the city's appraisal value of the property plus buildings. You should be able to access that info. at "said city".gov, and type in the address.

Keep smilin'!! :kiss:(*8*)
Chaz ;)
Click to expand...

Thank you.


First I need to find some land that I want to build on though.
 
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