Below is from a series of emails I’ve had with David Bannister, our guest today on the Real Estate Hour, as we delve into the large eco-system many of us just call “the laguna”. Over 250 square miles, this vital eco-system provides flood control and supports a diverse, intricate eco-system of wetlands, forests and all sorts of winged creatures big and small plus many a critter! I’ll let David give us a thorough explanation of one of Sonoma County’s Natural Resources! We will be talking about their annual “Tree-a-Thon” where hundreds of trees are planted to aid in the restoration of the Laguna. To make a DONATION click HERE!
Today, thanks to the efforts of the Laguna Foundation and others, people are starting to realize that the “purposes” the Laguna has been put to over the last 160 years by humans are not the only purposes of an ecosystem. We try to make people realize that natural systems like the Laguna provide a host of ecosystem services to humans:
- Flood protection-It is estimate that the 1964 Guerneville flood would have been 40 feet higher if not for the Laguna holding water back and releasing it slowly to the Russian.
- Carbon sequestration in riparian forests –Hence the Treeathon? Let’s also make sure we explain these concepts in listener friendly terms! But I find this very intriguing that this great bio-mass called the Laguna, in a very healthy state, would aid in slowing global warming.
- Natural beauty and the ecotourism that follows—What are all those cars doing parked there? I never see anyone but the cars are always around the bridge? Docent led trips? Fisherman?
- Wildlife habitat and some of that wildlife becomes food sources- Salmon/steelhead, deer, waterfowl, etc. Is the CTS in this mix? Continue reading Today’s Show! Laguna Foundation–David Bannister on why we need to preseve the Laguna De Santa Rosa!
Judicial and Non-Judicial Foreclosures
Each state in the U.S. handles it’s real estate foreclosures differently, it’s important to understand those differences and know your specific state’s procedures. The terms used and time frames vary greatly from state to state, but the following information provides a general overview of the different processes and considerations. If you haven’t done so yet, you can review our guide to each state’s procedures at foreclosure procedures.
Judicial foreclosures are processed through the courts, beginning with the lender filing a complaint and recording a notice of Lis Pendens. The complaint will state what the debt is, and why the default should allow the lender to foreclose and take the property given as security for the loan. The homeowner will be served notice of the complaint, either by mailing, direct service, or publication of the notice, and will have the opportunity to be heard before the court. If the court finds the debt valid, and in default, it will issue a judgment for the total amount owed, including the costs of the foreclosure process. After the judgment has been entered, a writ will be issued by the court authorizing a sheriff’s sale. The sheriff’s sale is an auction, open to anyone, and is held in a public place, which can range from in front of the courthouse steps, to in front of the property being auctioned. Sheriff’s sales will require either cash to be paid at the time of sale, or a substantial deposit, with the balance paid from later that same day up to 30 days after the sale. Check your local procedures carefully. At the end of the auction, the highest bidder will be the owner of the property, subject to the court’s confirmation of the sale. After the court has confirmed the sale, a sheriff’s deed will be prepared and delivered to the highest bidder, when that deed is recorded, the highest bidder is the owner of the property.
Non-Judicial Foreclosures(California is this!)
Non-judicial foreclosures are processed without court intervention, with the requirements for the foreclosure established by state statutes. When a loan default occurs, the homeowner will be mailed a default letter, and in many states, a Notice of Default will be recorded at approximately the same time. If the homeowner does not cure the default, a Notice of Sale will be mailed to the homeowner, posted in public places, recorded at the county recorder’s office, and published in area legal publications. After the legally required time period has expired, a public auction will be held, with the highest bidder becoming the owner of the property, subject to their receipt and recordation of the deed. Auctions of non-judicial foreclosures will generally require cash, or cash equivalent either at the sale, or very shortly thereafter.
It is important to note that each non-judicial foreclosure state has different procedures. Some do not require a Notice of Default, but start with a Notice of Sale. Others require only the publication of the Notice of Sale to announce the sale, with no direct owner notification required. You need to know the specific procedure for your state. The following from: http://www.all-foreclosure.com/judicial.htm
This week CAL FIRE’s, Fire Prevention Chief – George Morris III will be calling in to discuss “Defensible Space” and how to keep your home safe in the event of a wildfire, as well as other tips for home owners.
You can find some great information on the California Department of Forestry Website; http://www.fire.ca.gov.
Careful when determining property lines. Remember, the only person qualified for this is a surveyor. The neighbor who swears THIS is the corner of his property and THAT’S the corner of YOUR property may be basing HIS information on erroneous advice given him when HE bought it years back. Don’t perpetuate bad data by assuming, because he’s lived there for 30 years, he really KNOW of what he speaks!! GET IT SURVEYED! It’s NOT that expensive to have a surveyor come out and mark your corners. I’d take it a step further and get all lines of your acreage delineated so ALL parties (THAT next door neighbor) KNOW the REAL boundary lines!
And PLEASE don’t rely on a Plat map from the County Assesor. There’s a reason the phrase “For assessment purposes only” in on a plat map–they are NOT accurate! I had a large parcel, some 600 acres–as per the assesor’s parcel map–become 540 acres ONCE it was surveyed!! Hope this keeps you OUT of trouble!
17 Sonoma County farm markets to choose from! Thanks to the Press Democrat for compiling these! Spring is the season for Farmer’s Markets! Nothing anchors us to our area more than to see the bounty of our very fertile county spread out before you in a horn of plenty at a local Farmer’s Market. Just add the creativity of our citizens and chefs and PRANG! Great eats!
Published in the Press Democrat: Saturday, May 15, 2010 at 3:00 a.m.
- Cotati Farmers Market, 4:30 to 7:30 p.m. Thursdays, June 3 through September at La Plaza Park, Old Redwood Highway and West Sierra Avenue. 795-5508. cotati.org.
- Duncans Mills Farmers Market, 11 a.m. to 4 p.m. Saturdays, late May through Continue reading Farmer’s Markets blooming with the Season–17 Farmer’s Markets for Sonoma County
Country property Primer: If your gonna BE Country—
Start THINKIN’ Country!
I had a client call me once saying he’d grown weary of living in the city and had a dream to live on 5 acres in the Country. He insisted on being show 5 Acre properties. I asked him what he was used to? He replied, “I grew up and still live in the “Avenues” of San Francisco. Lot sizes, bit bigger than a large priority mail stamp! O.K. C’mon up and we’ll do some country.
The first bit of land I showed him was a nice 1 acre parcel in the South Sebastopol area. Really not THAT treed, some Eucaluptus but pretty much pasture land. We walked out onto the land and I pointed out the corners ONLY not even telling him how much land he was actually taking in. He ASSUMED 5 acres. He looked at me with a rather astounded look on his face and blurted, “I had no idea how BIG 5 Acres IS!” I then told him it was a 1 Acre parcel. Continue reading New Blog Series–Country Property Primer! How to Proceed,Buy,Sell your real estate “In Country”