From Your First Home to Your Forever Home

The FBI reports a rise in wire fraud schemes, with criminals becoming more skilled at executing these attacks. Today’s fraudsters often use professional-looking emails—complete with proper grammar and email signatures—and various non-email methods such as phone calls, text messages, and chatbots. While these scams require minimal technical skill, they’ve become increasingly convincing. Tools like phishing kits are widely accessible, enabling attackers to craft highly persuasive scams. How Does Real Estate Wire Fraud Happen? In a typical scenario, a cybercriminal compromises an email account using malware. This allows the fraudster to monitor communications and potentially send fraudulent messages. Often operating overseas and beyond the reach of U.S. law enforcement, these criminals exploit moments of trust and urgency in real estate transactions. It’s a serious threat, but by staying vigilant and following these steps, you can protect yourself from wire fraud. Step 1: Establish Trusted Contacts Early At the start of your real estate transaction, obtain verified contact information for your Realtor, Lender, and Title Company. Stick to these trusted phone numbers and email addresses throughout the process. Verify that any messages you receive align with this information. Be cautious about phone numbers or contact details appearing in emails, especially if they differ from what you initially received in person. Sophisticated scams often include convincing fake email correspondence. Step 2: Understand the Process and Stick to It Legitimate title companies will never email wire instructions. For example, Title often provides wire transfer details only via fax or snail mail. Always verify instructions with the title company by contacting the trusted number you obtained from your Realtor earlier. Pro Tip: Indiana's Good Funds Law states if you need to bring more than $10,000 to closing, a wire transfer IS REQUIRED.  Reach out to your title company for guidance well in advance. Step 3: Stay Alert to Changes Most reputable title companies never change wire instructions. If you receive an email or message claiming otherwise, it’s fraudulent. Call your title company immediately to confirm any instructions. Be wary of follow-up calls or emails that claim to validate a fraudulent message—these are common tactics used by scammers. Remember, changes to wire instructions, email addresses, or phone numbers are extremely rare. Approach any such changes with suspicion and verify them with a direct phone call to your trusted contact. Step 4: Recognize Timing as a Key Factor Scammers often strike in the final weeks before closing when homebuyers are busy and distracted. They send “urgent” emails pressuring buyers to “act immediately” or “rush delays.” These are clear red flags. Title companies won’t rush you for wire transfers. Fraudsters may also claim there’s been a “change of plans” requiring a down payment before closing. Never respond hastily; instead, verify any such requests with a phone call. Act Quickly if You’re Targeted If you fall victim to wire fraud and authorize a fraudulent transfer, recovering your money can be challenging. Acting swiftly is crucial. Reporting the incident immediately may increase the chances of retrieving some or all of your funds.  The FBI can initiate its Financial Fraud Kill Chain (FFKC) process to help recover funds from international wire transfers if reported within 72 hours. You will also need to contact your local police department and file a report. This step is essential for both legal and insurance purposes. Protect yourself and your investment by staying informed and vigilant. Criminals rely on distraction and urgency—don’t let them take advantage of you.   Tim VicsikRE/MAX 100Tim@TimVicsik.comwww.ND-Condos.com(574) 329-9587  

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What Does Title Insurance Cover? Imagine sunlight streaming onto your patio, highlighting the beauty of your new home. Now, imagine discovering a hidden legal issue tied to the property’s past ownership. That’s where title insurance steps in to protect your investment. Unlike most insurance policies that guard against future events, title insurance shields homeowners from issues tied to the home’s previous owners. While not mandatory for buyers, it’s often required by mortgage lenders and highly recommended for peace of mind. Let’s break down what title insurance covers—and what it doesn’t. What is Title Insurance? When you purchase a home, you’re not just buying the property—you’re also securing the legal right to own it. But what happens if past issues, like unpaid taxes or an undisclosed heir, surface and challenge your ownership? Title insurance acts as a safeguard against such surprises, ensuring your rights and financial investment are protected.  Typically the Seller will choose the Title Company, or the Mortgage Lender if it's a refinance.  If you've had a great experience and you'd like to use your trusted Title Company, ask your Realtor to write it in to your purchase agreement! Title insurance covers: Claims against your ownership rights: Protects you if someone contests your legal ownership of the property. Legal costs: Helps pay for attorneys if you need to defend your title in court. Financial reimbursement: Covers losses related to past issues up to the policy limit. With title insurance, you can focus on making your house a home without worrying about hidden threats to your ownership. What Title Insurance Doesn’t Cover While title insurance is invaluable, it’s not a catch-all. Here are a few key exclusions: New Issues After Policy Issuance: Problems like unpaid contractor liens after your policy starts aren’t covered. Owner-Created Issues: Any title defects caused by you (e.g., taking out a second mortgage and failing to pay). Legal Violations: Noncompliance with zoning, building codes, or other laws. Current Occupants' Rights: Claims from tenants or others occupying the property. Condemnation: Losses due to government action or land being declared unfit for use. Natural Water Rights: Disputes related to lakes, rivers, or other bodies of water on or near the property. Disclosed Restrictions: Covenant rules you agreed to when purchasing the property. What Does Title Insurance Cover? Title insurance protects against issues tied to the property’s history, including: Unpaid property taxes or liens Fraud or forgery in past deeds Conflicting wills or missing heirs Easements or encroachments Improperly recorded documents In short, it covers many potential headaches so you can focus on enjoying your home. Why Title Insurance Matters Protect Your Money: Avoid financial loss tied to previous owners' mistakes. Cover Legal Costs: Defense against ownership challenges can be expensive—title insurance helps with this. Peace of Mind: Feel secure knowing your property rights are protected. Navigating Title Insurance with Confidence A good Title Company understands the importance of safeguarding your investment. Title issues may not always arise, but when they do, having the right coverage can make all the difference.    Timothy VicsikRE/MAX 100www.ND-Condos.com(574) 329-(574) 329-9587Tim@TimVicsik.com

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Apply for Over 65 Property Tax Deductions Discover Two Ways to Save on Your Property Tax Bill Are you a property owner aged 65 or older in South Bend, Indiana? You could be eligible for significant savings on your property tax bill through two key programs: the Over 65 or Surviving Spouse Deduction and the Over 65 Circuit Breaker Credit. Even those buying on a recorded contract can benefit. Over 65 or Surviving Spouse Deduction With the Over 65 or Surviving Spouse Deduction, you can enjoy a reduction in your home's assessed value of either $14,000 or half the assessed value, whichever is less. This means a lower assessed value and, ultimately, a smaller property tax bill. Eligibility Requirements: Age: Turned 65 or older by December 31 of the prior year. Surviving Spouse: If your spouse was 65 or older at the time of their death, you must be 60 or older and not remarried. Ownership: Own or be paying on a recorded contract for at least one year. Residency: Live in the property as your primary residence. Income: Combined adjusted gross income of $40,000 or less for the prior year, including the income of your spouse and all others who own or pay rent on the property. Assessed Value: Property assessed at $240,000 or less. Other Deductions: Must not be receiving other property tax deductions except for the mortgage, homestead standard and supplemental deductions, and the fertilizer storage deduction. Over 65 Circuit Breaker Credit The Over 65 Circuit Breaker Credit is designed to limit how much your property taxes can increase each year. With this credit, your taxes will increase no more than 2 percent annually. Eligibility Requirements: Age: Turned 65 or older by December 31 of the prior year. Homestead Deduction: Must have qualified for the homestead standard deduction on the property this year and last year. Income: Adjusted gross income of $30,000 or less, or a combined adjusted gross income with your spouse of $40,000 or less. Assessed Value: Gross assessed property value of $200,000 or less on the homestead portion of the property. Ownership: Own, be buying on a recorded contract, or have a beneficial interest in the property. Get Started Don't miss out on these valuable savings opportunities. If you meet the eligibility requirements for either the Over 65 or Surviving Spouse Deduction or the Over 65 Circuit Breaker Credit, you can significantly reduce your property tax burden. For more information or to apply, contact the city-county offices or consult with a local real estate expert like Tim Vicsik at RE/MAX 100. Tim VicsikRE/MAX 100Tim@TimVicsik.com www.ND-Condos.com 

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Homestead Property Assessments in Indiana: 2024 Basics Breaking Down Key Points Property Tax Bills: Homeowners across Indiana are receiving their pay-2024 property tax bills. These bills are based on 2023 property assessments. Payments are due in two installments: May 10th and November 12th, 2024. Notice of Assessment: In April, many residential taxpayers receive a Notice of Assessment (Form 11) from their county assessors. This form establishes the 2024 assessed property value for next year’s (pay-2025) bills. Some counties combine the 2024 assessments and pay-2024 tax bills into one form, including the assessment in the tax comparison statement portion of the bill. Market-Based Assessments: Indiana property taxes are market-based and paid in arrears. Assessments reflect the market value in use as of January of the assessment year. Tax bills are based on the previous year’s assessment. This year’s bills (pay-2024) are determined by 2023 property assessments. Bills are capped at 1% of the homestead’s gross assessed value, per the Indiana Constitution. Additional taxes may be added through school referenda and other voter-approved projects. Appealing Assessments: Homeowners can appeal an assessment before the resulting bills are calculated. Determining Market Value Property Assessments Objective Measures: Assessed values must be tied to “objective measures of market value.” For homestead residences, assessments should generally align with a home’s potential sale price. Assessment Increases: Homeowners might be surprised by increased assessments despite no renovations or improvements. Residential assessments should move with the previous year’s market: In 2022, the median sale price of an existing home in Indiana was $235,000. This price rose 4% to a $242,000 statewide median in 2023. A typical Indiana home’s assessed values would be expected to rise about 4% from January 2023 to January 2024. This increase in the 2024 property assessment would show up in pay-2025 tax bills. Local Market Variations: Housing prices vary dramatically from county to county and even block to block. Assessments reflect local market conditions from year to year. References Indiana Department of Local Government Finance Indiana Property Tax Benefits Market Value in Use Definitions and Guidelines   Tim VicsikRE/MAX 100(574) 329-9587Tim@TimVicsik.com www.ND-Condos.com    

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  Understanding Property Taxes in Indiana: How They Are Calculated, Paid, and Why They're Paid in Arrears Property taxes are a fundamental aspect of homeownership in Indiana, impacting both current homeowners and prospective buyers. To navigate this system effectively, it's essential to grasp how property taxes are calculated, paid, and the reason they are paid in arrears. Here’s a comprehensive guide to help you understand these key aspects. How Property Taxes are Calculated Assessment Process: Property taxes in Indiana are based on the assessed value of the property. County assessors determine this value using factors such as property size, location, and comparable sales in the area. Assessments are typically conducted every few years to ensure fairness and accuracy. Tax Rate: Once the assessed value is determined, property taxes are calculated using a tax rate set by local taxing authorities. These authorities include cities, counties, school districts, and other local entities. The tax rate is expressed as a percentage of the assessed value. Each taxing authority sets its own rate, contributing to the total property tax bill.  View your St Joseph or Elkhart County Tax cards here.  Deductions and Exemptions: Indiana offers various deductions and exemptions that can lower a homeowner’s property tax burden. Examples include the Homestead Deduction for primary residences and the Mortgage Deduction for mortgage interest paid. Why Property Taxes are Paid in Arrears Property taxes in Indiana are paid in arrears, meaning that they are paid after the tax year has ended. Here’s why this system is in place: Assessment Timing: Assessments are conducted periodically (typically every few years). By paying taxes in arrears, homeowners are billed based on the property's assessed value from the previous assessment period. This ensures that taxes are levied on the property’s actual value during that time frame. Budgeting and Planning: Paying taxes in arrears allows homeowners to budget and plan for their tax obligations more effectively. They have a clearer understanding of their tax liabilities based on the previous year’s assessed value.  Estimate your current year tax bill here.  How Property Taxes are Paid Billing and Due Dates: Property tax bills are issued annually by the county treasurer's office. The due dates for property tax payments vary by county but often fall in the spring and fall. Homeowners receive a tax statement outlining the total amount due, including any applicable deductions. Payment Options: Indiana provides several payment options: Direct Payment: Homeowners can pay directly to the county treasurer’s office by mail, in person, or online. Escrow Accounts: Many homeowners with mortgages pay property taxes through an escrow account held by their mortgage lender. The lender collects a portion of the estimated taxes each month as part of the mortgage payment and pays the taxes on the homeowner’s behalf. Penalties for Non-Payment: Failure to pay property taxes on time can result in penalties and interest charges. It’s crucial for homeowners to adhere to payment deadlines to avoid additional costs. Additional Considerations Property Tax Caps: Indiana imposes caps on property tax rates, limiting the amount that property taxes can increase annually. These caps provide stability and predictability for homeowners regarding their property tax liabilities. Appealing Assessments: Homeowners have the right to appeal their property assessment if they believe it is inaccurate or unfair. This involves providing evidence to support their claim and following the county's appeals process. Understanding the intricacies of property taxes in Indiana enables homeowners to manage their financial responsibilities effectively. Whether you’re buying a new home or have lived in Indiana for years, knowing how property taxes are calculated, paid, and why they are paid in arrears ensures you can navigate this aspect of homeownership confidently and responsibly.  Click here for a Glossary of Property Tax Terms.  Tim VicsikRE/MAX 100(574) 329-9587Tim@TimVicsik.com www.ND-Condos.com  

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Real Estate Websites Might Be Sharing Your Data Ever wonder how those "perfect" homes keep popping up in your online ads? It might not be magic, but the way large real estate websites operate. While they're valuable tools for finding properties, it's important to understand how your information might be used. Here's the deal: Selling Leads: These websites often act as middlemen, collecting your search criteria and connecting you with agents. This connection comes at a cost, as the website might sell your information (leads) to agents who pay for access. Targeted Advertising: Based on your searches and browsing behavior, these websites can build a profile of your interests and preferences. This data is then sold to advertisers who can target you with specific real estate-related ads, from mortgage lenders to home improvement companies. So, what does this mean for you? Limited control: While most websites have privacy policies outlining data usage, it's crucial to understand what information is being collected and how it's being used. Targeted ads: Be prepared to see relevant, but potentially unwanted, real estate-related ads popping up across your online ventures. Here are some tips to consider: Use a Local Realtor:  Obtain a local Realtor, an agent not obligated to pay 25-35% of their commission to a third-party reseller may be working harder than an agent being fed "leads" via email.  Review privacy policies: Before submitting any personal information, take the time to understand the website's privacy policy. Limit information sharing: Be mindful of the details you share. Consider using a separate email address for real estate searches to minimize data collection. Use incognito/private browsing: This can help limit the amount of data websites can track and collect about your searches. Remember: Knowledge is power. By understanding how these websites operate, you can make informed decisions about how much information you share and be more cautious about your online browsing habits.   Let's get to know the three biggest Real Estate Portals! Getting to know The Big Three U.S. Real Estate Portals: Zillow, Realtor.com, and Homes.com Let's dive into the key facts and recent developments surrounding the three biggest real estate portals in the U.S.: Zillow, Realtor.com, and Homes.com. Market Share and Traffic Zillow reigns supreme: Zillow boasts the most significant traffic among the three, followed by Realtor.com. However, both saw traffic dips in 2023 due to market factors. Homes.com on the rise: Owned by the commercial real estate giant CoStar, Homes.com is experiencing significant growth and is expected to receive further investment. CoStar aims to challenge Zillow's dominance. Ownership and Business Models Zillow: Owned by Zillow Group, a publicly traded company. Generates revenue primarily through selling buyer leads (Premier Agent) and exploring new models like commission sharing, enhanced listings, and mortgage services. Realtor.com: Owned by Move, Inc., which is partially owned by News Corp and REA Group. Sells leads and advertising space to agents and brokers. Homes.com: Owned by CoStar Group. Pledges not to sell leads and focuses on charging agents for premium visibility packages on their listings. This model is common outside the U.S. User-Friendly Features All three portals offer similar features like keyword search, filters, virtual tours, and scrollable photos. Financial Performance and News Zillow: Share price recovered slightly after the iBuying shutdown. Continues to innovate and reported revenue exceeding half a billion dollars in Q2 FY23. Realtor.com: Faced traffic and revenue drops in 2023 and underwent a CEO change. Aims to regain the top spot from Zillow. Homes.com: Benefited from CoStar withdrawing from the Realtor.com acquisition, positioning it for significant investment. CoStar celebrated surpassing Redfin and Realtor.com in traffic for the first time. This article provides a snapshot of the competitive landscape among the leading U.S. real estate portals. As the market continues to evolve, it will be interesting to see how these companies adapt and compete for dominance.   Schedule a no-obligation consultation to discuss your home-buying goals Browse my current listings and find your perfect match! Follow me on social media for insider tips and market updates   Tim Vicsik - BrokerRE/MAX 100(574) 329-9587Tim@TimVicsik.com www.ND-Condos.com

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10 Essential Documents for a Smooth Homebuying Journey Buying a house is an exciting yet complex process. While navigating open houses and negotiating offers might be thrilling, ensuring you have the proper documentation is crucial for a smooth and successful transaction. Missing even a single document can cause delays or even derail your dream home purchase. Here's a breakdown of the 10 key documents you'll need throughout the different stages of buying a house: Pre-Approval Stage: Personal Identification: A valid government-issued ID like a driver's license or passport (not expired). Proof of Income: Pay stubs, bank statements, and tax returns to verify your financial standing. Financial Statements: Credit report and proof of any outstanding debts (e.g., student loans, car loans). Loan Documents: Pre-approval letter and completed mortgage application. Offer and Contract Stage: Purchase Agreement and Related Contracts: This outlines the terms of the sale, including price, contingencies, and closing details. Review it thoroughly with your real estate agent. Property-Related Documents: Appraisal, survey, and title search. These are crucial for understanding the property's condition and ensuring the seller has the legal right to sell. Closing Stage: Closing Disclosure Document: This document details all final closing costs associated with the purchase. Carefully review it with your real estate professional or attorney. Title Insurance Policy: Protects you from any unforeseen issues with the property's title. Deed: This legal document officially transfers ownership of the property from the seller to you. Settlement Statement: Provides a breakdown of all closing costs divided between buyer and seller. Staying Organized: Managing numerous documents can feel overwhelming. Here are some tips: Create a dedicated folder: Organize all paper and digital documents for easy access. Utilize digital tools: Cloud storage services allow secure and accessible backups. Make copies: Keep physical copies in a separate location for safekeeping. Seek Professional Guidance: Real estate agents and attorneys can ensure you collect and review documents accurately. These professionals can guide you through the entire process, making your home-buying journey smoother and less stressful. Remember, with proper document preparation and professional support, you can confidently turn your dream of homeownership into reality.   Schedule a no-obligation consultation to discuss your home-buying goals Browse my current listings and find your perfect match! Follow me on social media for insider tips and market updates   Tim Vicsik - BrokerRE/MAX 100(574) 329-9587Tim@TimVicsik.com www.ND-Condos.com

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Navigating the Student Housing Market: Tips for Investing Near University Campuses Champions Way Townhomes at Eddy Street Commons   In the vibrant real estate landscape of Indiana, particularly in South Bend near the University of Notre Dame, investing in student housing can be a lucrative venture. As a seasoned Realtor with RE/MAX 100, I've witnessed the ebb and flow of the student housing market, and I'm here to provide valuable insights for savvy investors and ND families. Understanding the Dynamics Investing near university campuses introduces unique dynamics shaped by the student population. Beyond the conventional factors, such as location and property size, consider the specific needs of students. Proximity to campus, amenities, resale, and a safe neighborhood are paramount. Understanding the ebb and flow of the academic calendar can also guide your investment strategy, ensuring your property is attractive year-round.  See Related: When is the best time to sell my Notre Dame Property Key Considerations for Buyers Proximity Matters: The closer, the better. Students appreciate convenience, and properties within walking or biking distance of the University of Notre Dame tend to be in high demand.  See Related: Navigating the South Bend Condo Market Amenities Beyond Basics: While basics like Wi-Fi and laundry facilities are essential, offering unique amenities can set a property apart. Think parking spaces (some condos are limited to 1 or 2 spaces per unit regardless of the number of bedrooms), snow removal, or public transportation stops.  Local Regulations: Stay informed about local regulations regarding student housing. Compliance is crucial to avoid legal issues and ensure a smooth operation.  County regulations apply to many residences restricting the number of tenants per any given property.  HOA Health and Restrictions:  An HOA can restrict factors that may be important to you as a buyer, factors such as pets and renting should be addressed up front to avoid issues post-closing. The health of an HOA is an often overlooked item, be sure to verify they're in good health to avoid problems or large special assessments later. See Related: Understanding Condo Reserve Funds Property Types Available:  Explore a diverse range of properties near Notre Dame, including condos, townhouses, single-family homes, and investment opportunities. Your ideal South Bend home awaits!  See Related: The difference between a Condo vs Townhome Exploring Opportunities Near University of Notre Dame South Bend, Indiana, presents promising opportunities for investors or families eyeing student housing near the renowned University of Notre Dame. The city's growth and the university's influence make it a hotspot for real estate ventures. For a detailed look at current listings and investment opportunities near the University of Notre Dame, visit my website here. As your trusted Realtor, I am committed to helping you navigate the student housing market successfully. Frequently Asked Questions Q: Are student housing investments recession-resistant? A: While no investment is entirely recession-proof, student housing tends to be resilient. The demand for education remains steady, influencing a consistent need for student accommodations. Q: How can I attract student tenants? A: To attract student tenants, focus on proximity to campus, safety, and desirable amenities. Several property managers specialize in Notre Dame properties and can handle the collection of rent, repairs, and general questions by tenants.  Q: What financing options are available for student housing investments? A: Financing options vary, but traditional mortgages, private lenders, and government-backed loans are common. It's essential to explore options that align with your financial goals and investment strategy. Q: How can I stay updated on local student housing market trends? A: Visit www.ND-Condos.com and create your free online account.  You can set up property searches and market updates to keep you informed based on city, zip code, neighborhood, or specific radius from campus.     Schedule a no-obligation consultation to discuss your home-buying goals Browse my current listings and find your perfect match! Follow me on social media for insider tips and market updates   Tim Vicsik - BrokerRE/MAX 100(574) 329-9587Tim@TimVicsik.com www.ND-Condos.com

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Simonton Lake Retreats - Your Gateway to Lakeside Living Tranquil Waters and Scenic Views Simonton Lake offers a picturesque setting, with tranquil waters that beckon residents to unwind and embrace a serene lifestyle. Imagine waking up to the gentle ripples of the lake, the melodious calls of resident birds, and panoramic views that captivate your senses. A Haven for Water Enthusiasts For those who cherish aquatic adventures, Simonton Lake is a haven. Whether it's fishing, kayaking, or simply basking in the sun on a lazy afternoon, this lake caters to a diverse range of water enthusiasts. As a Realtor, I've had the pleasure of helping clients discover homes that seamlessly blend with this lakeside paradise. Simonton Lake Real Estate - Your Dream Home Awaits If you've ever dreamed of waking up to the sun dancing on the lake's surface, Simonton Lake real estate holds the key to turning that dream into a reality. From charming cottages to modern lakeside estates, there's a home for every taste and lifestyle. Let me guide you through the available listings and find your perfect lakeside retreat.   FAQs About Simonton Lake Living: FAQ 1: What makes Simonton Lake a unique place to live? Simonton Lake stands out for its perfect blend of tranquility and recreational opportunities. The serene setting coupled with various water activities makes it a unique destination for those seeking a lakeside lifestyle near Elkhart. FAQ 2: Are there public access points for water activities on Simonton Lake? Absolutely! Simonton Lake provides public access points for residents and visitors to enjoy water activities. Whether you're into boating, fishing, or kayaking, there are convenient spots to launch your aquatic adventures. FAQ 3: What types of homes are available around Simonton Lake? Simonton Lake real estate offers a diverse range of options, from cozy cottages to spacious lakeside estates. Whether you're a first-time homebuyer or looking for a vacation retreat, there's a home style to suit every taste and preference. FAQ 4: How far is Simonton Lake from essential amenities in Elkhart? One of the remarkable aspects of Simonton Lake living is its proximity to Elkhart's amenities. Residents can enjoy the peace of lakeside living without sacrificing the convenience of being just a short drive away from shopping, dining, and entertainment options.   Proximity to Elkhart's Delights Simonton Lake isn't just about the water; it's also about the convenience of being close to Elkhart's amenities. Enjoy a seamless blend of lakeside tranquility and easy access to shopping, dining, and entertainment. If you're looking for the best of both worlds, boat up to Flippin Cow and enjoy a lakeside meal (or get it to go for a fabulous sunset dinner)!   Your Simonton Lake Journey Begins Here As a Realtor based in Indiana, I take pride in uncovering gems like Simonton Lake for my clients. If the idea of lakeside living resonates with you, let's embark on a journey to explore the available real estate options. Your dream home by the shimmering waters of Simonton Lake awaits. Contact me today to start your Simonton Lake adventure.   Schedule a no-obligation consultation to discuss your home-buying goals Browse my current listings and find your perfect match! Follow me on social media for insider tips and market updates   Tim Vicsik - BrokerRE/MAX 100(574) 329-9587Tim@TimVicsik.com www.ND-Condos.com

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