October 2009 Medford Massachusetts Market Report

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Medford, Massachusetts - October 2009 Market Report

Single Family Sold Listings: 12
Average List Price: $386,675

Average Sale Price: $381,117

Average Market Time: 52.67


Condominium Sold Listings: 21

Average List Price: $286,035

Average Sale Price: $276,656

Average Market Time: 86.95


Multi-Family Sold Listings: 9

Average List Price: $442,317

Average Sale Price: $436,622

Average Market Time: 122.56

Great Show to Watch - Holmes on Homes

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Working in real estate for the past 6+ years I do tend to keep an eye on the shows that buyers & sellers watch and with the real estate boom there are alot of shows on. Most of the shows used to be fixing up a house and flipping, now they've morphed into more "Pricing Reality" type shows. Still alot of the shows are "Real Estate Porn" they gloss over alot of the important details like building codes, safety & fire codes etc.

Over the last 6 months or so I discovered a show called "Holmes on Homes" on HGTV. In my opinion it's brilliant. They have homeowners who either recently purchased or recently had a remodel/addition etc. that there's a real problem with. Most of the time the properties seem to the untrained eye to look very nice but soon after the homeowner explains the problems it becomes evident that all work done on homes is not equal. Mike Holmes comes in and reviews what's been done and then gets to work. Alot of the time the problems are aparent from his trained eyes & knowledge, others once they start digging in and demo'ing they find more serious issues.

Tonite's show was a double episode titled "Holmes Inspection 1 & 2". The homeowners had recently purchased the home and even had a home inspection and some very important issues were either overlooked or simply ignored. There was a basement bathroom where the shower didn't drain properly, musty smell & electrical problems. Only after demolition started did they find mold, carpenter ants, 18 junction boxes in 1 room, patches on patches but still not fixing the original problem and more. I think anyone considering purchasing a home should watch these 2 episodes especially. Anyone considering home renovations should also watch to see some of the problems that are hidden when non-permitted or well intentioned handyman work is done. They also found a gas line, electrical line & furnace exhaust all using the same chimney chase which had to be fixed because natual gas & electricity and furnace exhaust don't mix and to make sure the homeowners are safe and not having exhaust gases like carbon monoxide seeping into their home.

Another great topic they covered was drainage & venting of the plumbing system and how a professional plumber doing everything by code & best pratices can have things working properly. They showed how in the old days the rainwater was poured into the plumbing system and not allowed anymore. Homes up here in the northeast still have some of these features in them. They showed how a dry well is used to properly take the rainwater and get it away from the foundation. In urban areas this is very important to control your water run off from your property but to make sure your neighbors water isn't headed to your basement either.

Mike Holmes & his crew really should have a special day named for them with all the good work they do to improve the lives of those they help. You can see the relief in the homeowners faces that the misery & unplanned expenses of shoddy and sometimes illegal work is made right.

Check out the show here: http://www.makeitright.ca/makeitright/Holmes_Media/

His main site Make It Right - http://www.makeitright.ca/makeitright/index.php has alot of great resources for homeowners and homebuyers to be aware of. Check it out, it's really worth it.

Massachusetts REALTOR News - New Smoke Detector Requirements Coming January 1st, 2010

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The Massachusetts Association of REALTORS / Massachusetts REALTOR News

New State Smoke Detector Requirements

11/6/2009

On January 1, 2010, a new regulation regarding the installation and maintenance of smoke detectors will become effective. These new regulations were enacted by the Massachusetts Department of Fire Services and will apply to single and multi-family homes built or most recently substantially altered prior to Jan. 1, 1975 and sold on or after January 1, 2010. Homes built or substantially altered on or after Jan. 1, 1975 are governed by the State Building Code, which already imposes the same requirements & restrictions. The regulations currently require two different types of smoke detectors to be in place depending upon the location in the home. In zones within 20 feet of a kitchen or bathroom, smoke detectors using photo-electric only technology will be required. Outside of the 20-foot kitchen and bath zone(s), both ionization and photoelectric technology must be installed. The battery/hard-wire rules are not changing at the state level. These requirements were developed, in part, based upon research that shows that ionization smoke detectors tend to give false alarms due to fumes given off from typical cooking or steam from a shower. Frequent false alarms often lead residents to disable smoke detectors by removing their batteries. 527 CMR 32.00: Approved Smoke Detectors 32.01: Purpose and Scope 32.02: General Requirements 32.03 Installation of smoke detectors in the vicinity of a kitchen, bathroom or other areas 32.01: Purpose and Scope Pursuant to the Board’s authority under M.G.L. c. 22D, s. 4 to develop a comprehensive fire safety code and under the general regulatory authority of M.G.L. c. 148, sections 10 and 28, the purpose of 527 CMR 32.00 is to enhance public safety by providing further technical qualification to the definitions of “Approved monitored battery power smoke detector” and “Approved primary power smoke detector”, as those words are used in M.G.L. c. 148, sections 26D, E and F. This regulation shall be effective as of January 1, 2010, and shall be the applicable standard for sellers to comply with the provisions of M.G.L. c. 148, s. 26F upon sale and transfer of certain buildings or structures occupied in whole or in part for residential purposes. 31.02 General Requirements (1) Except for smoke detectors located in the vicinity of areas regulated by 527 CMR 32.03, an approved monitored battery power smoke detector, shall consist of a working device, as defined in M.GL.c148, s. 26D, that employs both ionization and photoelectric technology, in either a single unit or by means of two separate units. (2) Except for smoke detectors located in areas regulated by 527 CMR 32.03, an approved primary power smoke detector, shall consist of a working device, as defined in M.GL.c148, s. 26D, that employs both ionization and photoelectric technology, in either a single unit or by means of two separate units. 32.03 Installation of Smoke Detectors In the Vicinity of a Kitchen, Bathroom or Other Areas No smoke detector employing ionization technology shall be installed within 20 feet of an entryway to a kitchen, or bathroom containing a bathtub or shower. The 20-foot measurement shall include and extend into common areas of a multi-family dwelling, if applicable.

The Extended Home Buyer Tax Credit: The Basics for REALTORS, Homebuyers, and Home owners from the National Association of REALTORS.

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Bringing the Dream of Homeownership Within Reach

As part of its plan to stimulate the U.S. housing market and address the economic challenges facing our nation, Congress has passed new legislation that:

• Extends the First-Time Home Buyer Tax Credit of up to $8,000 to first-time home buyers until April 30, 2010.
• Expands the credit to grant up to $6,500 credit to current home owners purchasing a new or existing home between November 7, 2009 and April 30, 2010.

Here is more information about how the Extended Home Buyer Tax Credit can help prospective home buyers become part of the American dream.

Latest news:
Tax Credit Extension a Positive Step Toward Real Estate Recovery (Nov.5)
President's Podcast: Tax Credit Extended (Nov. 5)

Who Qualifies for the Extended Credit?

• First-time home buyers who purchase homes between November 7, 2009 and April 30, 2010.
  
• Current home owners purchasing a home between November 7, 2009 and April 30, 2010, who have used the home being sold or vacated as a principal residence for five consecutive years within the last eight.

To qualify as a “first-time home buyer” the purchaser or his/her spouse may not have owned a residence during the three years prior to the purchase.

If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see: 2009 First-Time Home Buyer Tax Credit.

Which Properties Are Eligible?

The Extended Home Buyer Tax Credit may be applied to primary residences, including: single-family homes, condos, townhomes, and co-ops.

How Much Is Available?

The maximum allowable credit for first-time home buyers is $8,000.

The maximum allowable credit for current homeowners is $6,500.

How is a Buyer's Credit Amount Determined?

Each home buyer’s tax credit is determined by tow additional factors:

1. The price of the home.
2. The buyer's income.

Price

Under the Extended Home Buyer Tax Credit, credit may only be awarded on homes purchased for $800,000 or less.

Buyer Income

Under the Extended Home Buyer Tax Credit, which is effective on November 7, 2009, single buyers with incomes up to $125,000 and married couples with incomes up to $225,000—may receive the maximum tax credit.

These income limits have changed from the 2009 First-Time Home Buyer Tax Credit limits. If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see 2009 First-Time Home Buyer Tax Credit.

If the Buyer(s)’ Income Exceeds These Limits, Can He/She Still Get a Credit?

Yes, some buyers may still be eligible for the credit.

The credit decreases for buyers who earn between $125,000 and $145,000 for single buyers and between $225,000 and $245,000 for home buyers filing jointly. The amount of the tax credit decreases as his/her income approaches the maximum limit. Home buyers earning more than the maximum qualifying income—over $145,000 for singles and over $245,000 for couples are not eligible for the credit.

Can a Buyer Still Qualify If He/She Closes After April 30, 2010?

Under the Extended Home Buyer Tax Credit, as long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.

Will the Tax Credit Need to Be Repaid?

No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during this three-year period, the full amount credit will be recouped on the sale.

Owning A Home Has Its Benefits

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Owning A Home Has Its Benefits

Opportunity is knocking for those considering homeownership for the first time. Historically low interest rates, lower home prices in most markets and the first-time homebuyer tax credit – part of the American Recovery and Reinvestment Act of 2009 – brought first-timers to the market in droves during the first half of the year.

In fact, these consumers represented about half of home sales logged during much of 2009’s first two quarters, according to the National Association of REALTORS^®, a significant increase from historic levels. And the favorable conditions that prompted many of these buyers are likely to continue. Even the first-time homebuyer tax credit – set to expire Dec. 1 – may get a second wind as legislation is pending in both houses to extend it into the new year.

Today’s opportunities aside, here are eight time-honored reasons why those considering homeownership for the first time should make their move.

1. Pride of Ownership
Owning your own home adds to your own sense of self-esteem and personal pride. The satisfaction that comes from feeling connected to the land you occupy and the home in which you live is ages-old.

2. Security of Tenancy
With homeownership comes stability. When renting, you never know when you may have to move because of new ownership, rent increases or other changes. As a homeowner, you decide when and if you want to move.

3. Privacy
While there are usually some limits on the access landlords have to property, almost all landlords can access your property for necessary inspections and maintenance. For many renters, this lack of privacy is a significant discomfort. Homeowners on the other hand generally have much stronger property rights and experience an increase in perceived and actual privacy.

4. Decorating
Homeowners are free to decorate, remodel and accessorize a home any way they want. Not only do you have the right to make improvements, but the value of those improvements becomes yours as well. Having your living space and exteriors just the way you want them can significantly increase your satisfaction with your living environment.

5. Financial Predictability
When you buy a home with a fixed-rate mortgage, you have more predictability over future housing costs. Because your interest rate never changes, the amount of your payment never changes. Financial planning and credit are more easily managed with a fixed-rate mortgage compared to renting.

6. Building Equity
When you own your own home, you pay rent to yourself instead of a landlord. Most homeowners pay for their purchase by obtaining a mortgage. As you pay off that mortgage, your equity builds and you gain an increasingly larger share in a valuable asset. Over time, that asset can work for you in many ways, such as home equity lines of credit. And of course, a home is a wonderful asset to pass along in an estate.

7. Investment Appreciation
There are certainly no guarantees of property value appreciation. In the long-term, however, real estate valuations almost always increase. This means that when you decide to sell your home, its value may be significantly higher than when you purchased it. The difference in value is called appreciation. You can reinvest that appreciation in other real estate or you may wish to downsize and keep the value of that appreciation for retirement or other purposes.

8. Tax Benefits
In the United States, the cost of home mortgage interest and property taxes are usually tax-deductible. Depending on your circumstances, thousands of dollars in taxes can be saved each year. These tax savings are not limited to federal taxes either. Many states and localities either base their tax system on the federal system or offer similar incentives to homeownership. Some additional benefits are designed specifically for first-time homebuyers. See your tax advisor for additional information.

If you still have doubts, contact a real estate professional in your community. He or she can answer questions you may have about homeownership and explain the buying process to you.

HUD House Alert - Marlborough MA

Address:	158 BOSTON POST R 1B, MARLBOROUGH MA 01752 (Middlesex county)
Price:	$50,000
As-Is Value:	$50,000
Appraisal Date:	07/10/09
Bed/Bath:	2/1
Rooms:	4
Units:	1
Sqft:	0
Year:	1965
LBP Disclosure:	Click here to view the LBP Disclosure Addendum
Type:	Attached
Financing:	Insured (IN)
List Date:	11/06/09
List Type:	New
Bid Deadline:	11/15/09 at 23:59:59
Priority:	Owner Occupant
Property Condition:	Click here to view the Property Condition Report
Status:	Property Available for Bidding (Owner Occupant Priority)
HOA Fees:	$175
MORE INFORMATION:	Only HUD registered Brokers can place a bid. Click here to find a HUD registered broker in your area. Click here to learn how to submit a bid.

Don't Be Left Out in the Cold

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Like it or not Massachusetts has alot of protections for it's citizens especially when it comes to heat & living in the commonwealth. This week we usually see a real push for collections from the utility companies and setting up payment plans & budgets, please for everyones health and safety be patient and work with customer service reps. they're just trying to do their jobs & keep everyone warm & happy. In this challenging economy it's very important to exercise humanity and make sure to keep an eye out for your fellow citizens, especially the elderly, less fortunate or those struggling. I found this article on the Attorney Generals blog. It's a great resource to keep in mind and pass along to friends to keep others in mind.

10/29/2009 - from the official blog of Attorney General Martha Coakley - http://blog.ago.state.ma.us/blog/2009/10/dont-be-left-out-in-the-cold.html

Don’t Be Left Out in the Cold

It is the end of October and already the first flurries of the season have come and gone. With freezing temperatures lurking, don’t be left out in the cold.

Between November 15 and March 15, the Massachusetts Winter Moratorium prevents Massachusetts’ utility companies from shutting off your heating fuel or the service that you need to run your heating system (i.e. a gas furnace with electrical switch.) because of an inability to pay. However, you will still be responsible for payment during this time and charges will continue be applied to your account. The Winter Moratorium applies only to the period of November 15th through March; it does not apply if your service has been shut off prior to November 15th for non-payment.

If you are having trouble paying your utility bills there may be some help out there for you. The AGO’s Public Inquiry & Assistance Center may be able to help mediate in the case of a shut off or to help with a payment plan. You can contact the consumer hotline at (617) 727-8400 Monday through Friday from 10 a.m. to 4 p.m. If you can prove a financial hardship, have a child less than 12 months of age, someone in the home has a documented serious illness, or everyone in the home is over the age of 65, the Massachusetts Department of Public Utilities may also be able to take your complaint and provide some assistance. You can contact your local Community Action Program for assistance.

MWRA work on Nov. 4 may cause discolored water in areas of Medford - Medford, MA - Medford Transcript

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MWRA work on Nov. 4 may cause discolored water in areas of Medford - Medford, MA - Medford Transcript

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Medford - A Great Reminder for Everyone

On Wednesday, Nov. 4, the MWRA will be performing work that may cause discolored water in parts of Medford in the higher elevations bordered by Broadway, Willard Avenue and Mystic Avenue.

The work is part of an ongoing water pipeline rehabilitation project. Customers may experience reduced water pressure on that day and discolored water and for a day or two after this work.

If discolored water does occur, it will result from a small amount of iron in the pipes. While safe for drinking, cooking and other uses, please note that iron will stain light colored items in your laundry, especially when bleach is used.

Residents should check water clarity before washing any white or lighter colored laundry during this period of work.

Please call MWRA at 617-305-5950 if you have any questions.

HUD House Alert - Framingham MA

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Property 251-284512

Address:	3 UNIVERSAL ST 2, FRAMINGHAM MA 01702 (Middlesex county)
Price:	$45,000
As-Is Value:	$45,000
Appraisal Date:	10/20/09
Bed/Bath:	1/1
Rooms:	3
Units:	1
Sqft:	603
Year:	1968
LBP Disclosure:	Click here to view the LBP Disclosure Addendum
Type:	Attached
Financing:	Insured (IN)
List Date:	10/30/09
List Type:	New
Bid Deadline:	11/08/09 at 23:59:59
Priority:	Owner Occupant
Property Condition:	Click here to view the Property Condition Report
Status:	Property Available for Bidding (Owner Occupant Priority)
MORE INFORMATION:	Only HUD registered Brokers can place a bid. Click here to find a HUD registered broker in your area. Click here to learn how to submit a bid. Click here to connect to CitySide. Click here to learn more about HUD homes, Click here for HUD home purchases Forms

11/02/2009 Upcoming Auctions in Middlesex County, MA

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11/02/2009 Upcoming Auctions in Middlesex County, MA

MIDDLESEX NORTH

Billerica
11/11/09 02:00 PM 226 Pollard St
Owner:Floyd Vogan
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:20498/131 D:09/07/06
Source:Billerica Minute-Man (10/22/09)
Atty:Harmon Law Offices 617-558-0500

Chelmsford
11/06/09 10:00 AM 104 Concord Rd
Owner:Darshan Koticha
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:19535/245 D:11/16/05
Source:Chelmsford Independent (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/17/09 01:00 PM 29 Beech St
Owner:Andrea Reilly
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:20198/144 D:06/14/06
Source:Chelmsford Independent (10/22/09)
Atty:Reneau Longoria 978-921-2670

Dracut
11/12/09 12:00 PM 24 Wyman Rd
Owner:Andrew S Thompson
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:10500/30 D:10/27/99
Source:Sun (The) (10/21/09)
Atty:Orlans Moran PLLC 617-502-4100

11/16/09 04:00 PM 31 Douglas Rd
Owner:William Bernard
Lender:GMAC Mortgage LLC Deposit:$10,000
Bk/Pg:21990/245 D:02/25/08
Source:Sun (The) (10/23/09)
Atty:Harmon Law Offices 617-558-0500

11/16/09 02:00 PM 49 Parker Ave U:17
Owner:Johnny So
Lender:US Bk Deposit:$5,000
Bk/Pg:20038/105 D:04/25/06
Source:Sun (The) (10/23/09)
Atty:Harmon Law Offices 617-558-0500

11/17/09 03:00 PM 91 Donohue Rd U:10
Owner:Bethany Macleod
Lender:US Bk Deposit:$10,000
Bk/Pg:20361/252 D:07/28/06
Source:Sun (The) (10/21/09)
Atty:Reneau Longoria 978-921-2670

Lowell
11/09/09 01:00 PM 652 Wilder St
Owner:John Berfi
Lender:UBS RE Securities Inc Deposit:$5,000
Bk/Pg:20963/243 D:02/08/07
Source:Sun (The) (10/23/09)
Atty:Harmon Law Offices 617-558-0500

11/12/09 02:00 PM 33 Canton St
Owner:Joseph Auguste
Lender:Steel Mtn Capital 1 LLC Deposit:$5,000
Bk/Pg:21022/49 D:02/23/07
Source:Sun (The) (10/22/09)
Atty:Orlans Moran PLLC 617-502-4100

11/12/09 10:00 AM 240 Jackson St U:629
Owner:Mcquaid LLC
Lender:Butler Bk Deposit:$10,000
Bk/Pg:19225/40 D:09/01/05
Source:Sun (The) (10/22/09)
Atty:David J Plunkett 978-458-6162

11/13/09 01:00 PM 15 Foch St
Owner:Founette Momplaisir
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:20688/88 D:11/06/06
Source:Sun (The) (10/23/09)
Atty:Marinosci Ceritto&Shap

11/16/09 11:00 AM 361 Hildreth St U:24
Owner:Anthony W Graffeo
Lender:Deustsche Bank Natl T Co Deposit:$5,000
Bk/Pg:20136/129 D:05/24/06
Source:Sun (The) (10/23/09)
Atty:Harmon Law Offices 617-558-0500

11/16/09 10:00 AM 18 Rogers St
Owner:Valias R Herold Jr
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:17697/252 D:08/06/04
Source:Sun (The) (10/23/09)
Atty:Harmon Law Offices 617-558-0500

11/17/09 02:00 PM 47 Magnolia St
Owner:Paulo Lima
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:20550/248 D:09/28/06
Source:Sun (The) (10/21/09)
Atty:Reneau Longoria 978-921-2670

11/17/09 03:00 PM 1600 Middlesex St
Owner:Nicholas P Fotopolous
Lender:Silva Brothers Inv Inc Deposit:$5,000
Bk/Pg:15712/60 D:07/15/03
Source:Sun (The) (10/26/09)
Atty:Connell & Connell

Tewksbury
11/18/09 01:00 PM 94 Marston St
Owner:Paul A King Jr
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:18590/34 D:03/31/05
Source:Tewksbury Advocate (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/20/09 11:00 AM 135 Elm St
Owner:Joseph W Thomas
Lender:Saugus FCU Deposit:$10,000
Bk/Pg:18187/38 D:12/10/04
Source:Tewksbury Advocate (10/22/09)
Atty:Laura White Brandow 781-843-5000

11/20/09 10:00 AM 120 Greenmeadow Dr
Owner:Michele Gantz
Lender:Saugus FCU Deposit:$10,000
Bk/Pg:20380/23 D:08/01/06
Source:Tewksbury Advocate (10/22/09)
Atty:Laura White Brandow 781-843-5000

MIDDLESEX SOUTH

Ashby
11/19/09 02:00 PM 152 Foster Rd
Owner:Robert H Ordway Sr
Lender:First Horizon Home Loans Deposit:$5,000
Bk/Pg:51004/69 D:03/28/08
Source:Shirley Oracle (10/23/09)
Atty:Orlans Moran PLLC 617-502-4100

11/20/09 09:00 AM 630 Turnpike Rd
Owner:Darlene D Lielasus
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:49050/157 D:02/21/07
Source:Shirley Oracle (10/23/09)
Atty:Harmon Law Offices 617-558-0500

Ayer
11/12/09 09:00 AM 8 Groton Harvard Rd U:1
Owner:Hoyt Bowman
Lender:One West Bk Deposit:$5,000
Bk/Pg:48599/44 D:11/28/06
Source:Shirley Oracle (10/23/09)
Atty:Harmon Law Offices 617-558-0500

11/20/09 11:00 AM 14 Lawton St U:B
Owner:Stephen C Wentzell
Lender:Citimortgage Inc Deposit:$5,000
Bk/Pg:48927/392 D:01/18/07
Source:Shirley Oracle (10/23/09)
Atty:Harmon Law Offices 617-558-0500

Boxboro
11/12/09 12:00 PM 555 Old Harvard Rd
Owner:Bruce S Brinkerhoff
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:34229/155 D:12/04/01
Source:Beacon (10/22/09)
Atty:Orlans Moran PLLC 617-502-4100

Cambridge
11/03/09 09:00 AM 10 Museum Way U:2122
Owner:Victor H Pena
Lender:HSBC Bank USA Deposit:$15,000
Bk/Pg:49444/220 D:05/09/07
Source:Cambridge Chronicle (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/05/09 12:00 PM 55-57 Elm St
Owner:Eric N Reyburn
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:50397/332 D:11/08/07
Source:Cambridge Chronicle (10/22/09)
Atty:Bendett & Mchugh 860-677-2868

11/10/09 03:00 PM 35-41 Jay St
Owner:Emanuel Carreiro
Lender:US Bk Deposit:$10,000
Bk/Pg:36818/342 D:10/21/02
Source:Cambridge Chronicle (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/12/09 11:00 PM 280 Walden St
Owner:Eric N Reyburn
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:47224/33 D:04/03/06
Source:Cambridge Chronicle (10/22/09)
Atty:Orlans Moran PLLC 617-502-4100

11/17/09 02:00 PM 195 Mount Auburn St
Owner:Richard W Pmonagle
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:49112/132 D:03/05/07
Source:Cambridge Tab (10/23/09)
Atty:Jon S Davis 781-834-9181

Framingham
11/02/09 02:00 PM 82 Edmands Rd
Owner:Amelia Foley
Lender:HSBC Bank USA Deposit:$10,000
Bk/Pg:46431/462 D:11/04/05
Source:Metro West (10/23/09)
Atty:Harry Castleman 617-227-5660

11/05/09 01:00 PM 37-39 Gilbert St
Owner:Neylor Depaula
Lender:US Bk Deposit:$10,000
Bk/Pg:45250/278 D:05/24/05
Source:Metro West (10/21/09)
Atty:Harmon Law Offices 617-558-0500

11/12/09 12:00 PM 150 2nd St U:211
Owner:Braulio M Godinho
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:49142/243 D:03/06/07
Source:Metro West (10/21/09)
Atty:Harmon Law Offices 617-558-0500

11/12/09 10:00 AM 270 Grant St
Owner:Jenna M Loughlin
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:47193/100 D:03/30/06
Source:Metro West (10/21/09)
Atty:Harmon Law Offices 617-558-0500

11/12/09 12:00 PM 80-A Long Ave
Owner:Mario A Sannicandro
Lender:One West Bk Deposit:$10,000
Doc#:1386618 D:08/26/05
Source:Metro West (10/21/09)
Atty:Harmon Law Offices 617-558-0500

11/12/09 01:00 PM 9 Weld St U:49
Owner:Raimundo F Desouza
Lender:MERS Deposit:$5,000
Bk/Pg:50325/321 D:11/06/07
Source:Metro West (10/22/09)
Atty:Orlans Moran PLLC 617-502-4100

11/13/09 03:00 PM 156 Bishop Dr U:156
Owner:Ritesh Patel
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:40886/314 D:09/12/03
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/13/09 01:00 PM 379 Hollis St
Owner:Dionicio Rodriguez
Lender:US Bk Deposit:$10,000
Bk/Pg:45951/1 D:08/24/05
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

Hopkinton
11/13/09 03:00 PM 9 Downey Pl
Owner:Steven Moschini
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:49566/393 D:06/05/07
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

Lexington
11/17/09 03:00 PM 391 Lowell St
Owner:Pattammal Nadanasundaram
Lender:US Bk Deposit:$15,000
Bk/Pg:44602/94 D:02/03/05
Source:Lexington Minute Man (10/22/09)
Atty:Harmon Law Offices 617-558-0500

Marlborough
10/06/09 03:00 PM 12 Short St
Owner:Daniel T Coughlin
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:48153/60 D:09/08/06
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/02/09 11:00 AM 66 2nd Rd
Owner:Dione L F Pimental
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:47270/25 D:03/24/06
Source:Metro West (10/26/09)
Atty:Ablitt Law Offices 781-246-8995

11/05/09 12:00 PM 271 Mechanic St
Owner:Michael F Waeger
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:43822/29 D:09/30/04
Source:Metro West (10/21/09)
Atty:Harmon Law Offices 617-558-0500

11/06/09 04:00 PM 608 Boston Post Rd U:1
Owner:Timothy B Hannon
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:45143/405 D:05/05/05
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/13/09 09:00 AM 64 Howland St
Owner:Reina Henriquez
Lender:National City RE Svcs LLC Deposit:$5,000
Bk/Pg:39686/592 D:06/24/03
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/13/09 09:00 AM 587 Lincoln St
Owner:Afonso V Baiao
Lender:US Bk Deposit:$5,000
Bk/Pg:43989/255 D:10/27/04
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/13/09 12:00 PM 24 Longfellow Ter
Owner:Lynn M Friend
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:41418/100 D:11/07/03
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/13/09 04:00 PM 46 Summit Ave
Owner:Geison R Fonseca
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:44958/134 D:04/05/05
Source:Metro West (10/22/09)
Atty:Harmon Law Offices 617-558-0500

11/18/09 03:00 PM 19 Peters Ave
Owner:Jussy Barbosa
Lender:Marlborough SB Deposit:$10,000
Bk/Pg:42238/16 D:03/12/04
Source:Metro West (10/22/09)
Atty:Gerald S Cournoyer Jr

Natick
11/20/09 10:00 AM 2 Durant Rd
Owner:Giovanni B R Bravin
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Doc#:1348878 D:09/13/04
Source:Natick Tab (10/23/09)
Atty:Harmon Law Offices 617-558-0500

Newton
11/04/09 09:00 AM 10 Oakland Ave U:10
Owner:James Mcmahon
Lender:DLJ Mortgage Capital Inc Deposit:$10,000
Bk/Pg:48619/5 D:12/01/06
Source:Newton Tab (10/21/09)
Atty:Ablitt Law Offices 781-246-8995

11/11/09 03:00 PM 78 North St
Owner:Peter L Segal
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:40920/552 D:07/29/03
Source:Newton Tab (10/21/09)
Atty:Shechtman Halperin Savage 401-272-1400

11/12/09 11:00 AM 614 California St
Owner:Sophia Jamsri
Lender:US Bk Deposit:$10,000
Bk/Pg:47976/226 D:08/11/06
Source:Newton Tab (10/21/09)
Atty:Reneau Longoria 978-921-2670

Pepperell
11/20/09 01:00 PM 16 Ashley St
Owner:Lenny M Story
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:35612/300 D:05/29/02
Source:Shirley Oracle (10/23/09)
Atty:Harmon Law Offices 617-558-0500

Somerville
11/10/09 03:00 PM 74 Rush St
Owner:William Dossantos
Lender:One West Bk Deposit:$10,000
Bk/Pg:49787/225 D:07/12/07
Source:Somerville Journal (10/22/09)
Atty:Harmon Law Offices 617-558-0500

Stow
11/17/09 12:00 PM 225 Hudson Rd
Owner:Dennis J Coffey
Lender:Radant Systems Inc Deposit:$5,000
Bk/Pg:34829/405 D:02/14/02
Source:Maynard Beacon (10/22/09)
Atty:Jon S Davis 781-834-9181

Sudbury
11/16/09 02:00 PM 9 Pokonoket Ave
Owner:Robert E Newis
Lender:Commonwealth Coop Bk Deposit:$5,000
Bk/Pg:41766/315 D:01/09/04
Source:Sudbury Town Crier (10/22/09)
Atty:Jon S Davis 781-834-9181

Townsend
11/18/09 10:00 AM 64 Ash St
Owner:Thomas J K Hoyland
Lender:Workers CU Deposit:$5,000
Bk/Pg:35487/388 D:05/16/02
Source:Shirley Oracle (10/23/09)
Atty:Lisa Zappala Wood 978-772-2284

11/20/09 10:00 AM 192 Mason Rd
Owner:Phillip I Mcbain
Lender:US Bk Deposit:$10,000
Bk/Pg:48928/90 D:01/26/07
Source:Shirley Oracle (10/23/09)
Atty:Harmon Law Offices 617-558-0500

Waltham
11/18/09 01:00 PM 110 Circle Dr
Owner:Kevin D Gaudet
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:46934/576 D:11/15/05
Source:Daily News Tribune (10/21/09)
Atty:Reneau Longoria 978-921-2670

Watertown
11/18/09 02:00 PM 140 Nichols Ave
Owner:Genuino N Darocha
Lender:Deustsche Bank Natl T Co Deposit:$10,000
Doc#:1420070 D:08/24/06
Source:Watertown Tab & Press (10/23/09)
Atty:Reneau Longoria 978-921-2670

11/19/09 01:00 PM 290 Pleasant St U:203
Owner:Nancy Dyer
Lender:MERS Deposit:$5,000
Bk/Pg:50559/22 D:12/28/07
Source:Watertown Tab & Press (10/23/09)
Atty:Orlans Moran PLLC 617-502-4100

Wayland
11/18/09 09:00 AM 51 Riverview Cir
Owner:Daniel Clifford
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:44981/498 D:04/05/05
Source:Wayland Weston Town Crier (10/22/09)
Atty:Orlans Moran PLLC 617-502-4100

Weston
11/17/09 04:00 PM 24 Drabbington Way
Owner:Ronald G Clapp
Lender:JP Morgan Chase Bk Deposit:$10,000
Bk/Pg:33666/214 D:09/14/01
Source:Wayland Weston Town Crier (10/22/09)
Atty:Harmon Law Offices 617-558-0500