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“ASK LAURA ABOUT REAL ESTATE” How Do Your Acquire Homestead Protection? NRS 115 is the chapter in the Nevada Revised Statutes that concerns the homestead law. You will need your parcel number and legal description to complete your Homestead form, and this information can be found on your recorded deed. A homestead declaration is valid only for your primary residence. PROCEDURES FOR RECORDING A DECLARATION OF HOMESTEAD: 1. Complete the Homestead Declaration form. (The form must be typed or printed legibly in black ink). Text cannot extend beyond the one-inch margins on all sides of the form. 2. Sign the form in the presence of a Notary Public. 3. Take the completed document to a Clark County Recorder’s office to be recorded: Main Office 500 S. Grand Central Pkwy. 2nd Floor Box 551510 Las Vegas, NV 89155-1510 Laura Harbison Broker/Owner— B.0026537.LLC Seniors Real Estate Specialist ® (SRES) Accredited Buyer Representative ® (ABR) Graduate, REALTOR ® Institute (GRI) Equator Platform Platinum Certification Equator Short Sale Agent Certification Certified Residential Specialist (CRS) Advanced Evaluations Certification At Home With Diversity (AHWD) Broker Price Opinion Resource (BPOR) Probate Specialist Certification (PSC) NVS Institute BPO Certification Five Star BPO Designation Certified Distressed Property Expert ® (CDPE) Resort & Second-Home Property Specialist (RSPS) NAWRB Certified Delegate Spokeswoman Distinguished Real Estate Broker ® (DRB) Laura@HarbisonRealEstate.com www.LauraHarbisonRealEstate.com Call Laura Today! 702-777-1234 Henderson Office at Henderson City Hall 240 S. Water Street 1st Floor Henderson, NV 89015 Northwest Office in Dona Maria Plaza 3211 N. Tenaya Way Suite #118 Las Vegas, NV 89129 4. For information regarding the recording fees, contact the Recorder's Office at 702-455-4336 or visit their website at www.clarkcountynv.gov/recorder. The completed Homestead Declaration can also be mailed to the Recorder's main office. (The Recorder's Office is unable to accept mailed documents for recording at the Northwest Office.) WHAT THE LAW CURRENTLY PROVIDES: When you record a Declaration of Homestead, Nevada law protects the equity in your home up to $605,000 from general creditor claims (unpaid medical bills, bankruptcy, charge card debts, business/personal loans, accidents) but would not preclude a seizure or forced sale of your residence from general creditors if your equity exceeds the $605,000. A creditor may file suit and can record a judgment lien against any real property you own. Recording a Declaration of Homestead protects your principal residence up to the statutory maximum. For example, if the value of your home is $645,000 and you have a first mortgage of $485,000 plus a second mortgage of $10,000, the equity is $150,000. WHAT IS NOT PROTECTED: The Homestead law does not protect you against debts secured by a mortgage or deed of trust, payment of taxes, IRS lien, mechanic's lien, child support or alimony payments. If you need a homestead form, I would be happy to provide that to you. I can also provide you with a copy of your recorded deed and/or your tax record, showing your parcel number and legal description. I cannot give you legal advice though, so if you have any legal questions regarding your homestead form, please consult your attorney. Sharing your goals, Laura Harbison, ABR, AHWD, BPOR, BS, CDPE, CRS, DRB, GRI, RSPS, SRES Realty Executives Southern Nevada Properties Broker/Owner License # B.0026537.LLC 2 October 2023
Sold Is Our Favorite Word...Let Us Make It Yours! Laura Harbison ABR, AHWD, BPOR, BS, CDPE, CRS, DRB, GRI, PSA, PSC, RSPS, SRES Broker/Owner— B.0026537.LLC 770 Coronado Center Dr., Suite 160 Henderson, NV 89052 Office (702) 777-1234 Laura@HarbisonRealEstate.com www.LauraHarbisonRealEstate.com Realty Executives Southern Nevada Properties Is Independently Owned and Operated 108 EMERALD DUNES CIRCLE ANTHEM COUNTRY CLUB Stunning Allegretto floorplan with Casita/Guest house on premium elevated lot in the guard gated community of Anthem Country Club! 1889 SF, 3 BR, 3 BA and 2-car garage. Remodeled island kitchen boasts Quartz countertops with waterfall edge, decorative tile backsplash, breakfast bar, pantry, recessed lighting, pendant lights, tile flooring, reverse osmosis water filter, and stainless-steel refrigerator, gas stove, dishwasher, and microwave. Great room with ceiling fan, 12’ volume ceiling and tile flooring. Large dining area. Owner's suite with ceiling f an, walk-in closet, walnut wood flooring, and bathroom with dual sinks, raised vanities, tile flooring, shower & soaking tub. Secondary bedroom with mirrored closet doors. Detached casita/guest quarters with ceiling fan, tub/shower, and tile flooring. Laundry room, garage with epoxy floor and storage, alarm system and water filtration system. Gated courtyard entry, exposed aggregate walkways & patios, upgraded front door and circular formal entry foyer. Backyard with covered patio, Slumpstone & Wrought Iron View Fencing and so much more! $685,000 7171 ELLESAR AVENUE MOUNTAINS EDGE Stunning one-story home in gated community with solar electric system! Approx. 3,269 SF, 3 BR plus den/office, 3.5 BA and 3-car garage on premium .26 acre cul-de-sac lot. Gourmet island kitchen boasts granite countertops, upgraded custom cabinets, breakfast bar, nook, walk-in pantry and SS appliances. Living room, dining room and spacious living room with gas fireplace. Owner’s suite with coffered ceiling, walk-in closet and bath with raised vanities, dual sinks, garden tub & shower. Private backyard with pool with water features and solar cover, covered patio plus Pergola patio with stamped concrete & synthetic grass. $888,800 618 SANDPIPER RUN LANE CADENCE VILLAGE Gorgeous one-story Toll Brothers home with pool & spa! 3 BR plus den/office, 3 BA, 2264 SF, 3-car garage. Kitchen boasts upgraded cabinets, stainless steel appliances, granite countertops, R/O system and large pantry. Tons of electrical upgrades! Gorgeous wet bar with beverage refrigerator. Premium cul-de-sac lot with low maintenance landscaping. Backyard oasis with pool & spa, covered paver patio. Laundry room with cabinets & utility sink. Tankless water heater, alarm system & so much more! Upgraded front elevation with stone accents. You can’t duplicate this high quality home for this price today! $749,900 2886 EVERGOLD DRIVE CHAPARRAL AT SOUTHFORK One-story, 4 BR, 3.5 BA, 2548 SF, 3-car garage home with sparkling pool & spa! Gourmet island kitchen boasts corian countertops, upgraded cabinets, breakfast bar, nook, walk-in pantry, menu desk, wood flooring, R/O, built-in double oven, gas cooktop, microwave, two-drawer dishwasher & refrigerator. Formal living room and dining room with wood flooring. Family room with gas fireplace with raised hearth. Owner’s suite with walk-in closet with mirrored closet doors, wood flooring and bathroom with raised vanity, dual sinks, travertine flooring, soaking tub & separate shower. Fourth BR/guest quarters with exterior door access and interior access with ceiling fan, laminate wood flooring and bath with walk-in shower. Leased solar electric system. Private backyard with pool & spa, covered patio, synthetic grass and more! $650,000 2557 TERRYTOWN AVENUE SUN CITY ANTHEM Popular Washington floorplan in 55+ age-restricted community with fabulous amenities! This 2 BR, 2 BA, 1260 SF, 2-car garage home boasts great room with ceiling fan. Kitchen with stainless steel appliances, pot shelves, recessed lighting and large pantry. Dining area with ceiling fan. Spacious owner’s suite with bay window and walk-in closet. Hobby room/office. Oversized garage with gas water heater and washer & dryer. Covered patio and mature landscaping on automatic irrigation system. Security door, 2-tone paint, upgraded carpet, dual pane windows, solar screens & more! $449,000 2021 POPPYWOOD AVENUE SUN CITY MACDONALD RANCH A premier 55+ age-restricted community! 2 BR, 2 BA, 1418 SF, 2-car garage. Spacious great room, formal dining room, and kitchen with all appliances, nook, walk-in pantry, breakfast bar and pot shelves. Owner’s suite features a bay window, double door entry, walk-in closet, and bath with make-up vanity, raised vanity, double sinks, shower and linen closet. Generous secondary bedroom and hobby room. Plantation shutters, blinds and tile on diagonal. Rear yard with covered patio, low maintenance landscape, and more! Great community amenities! $410,000 5208 SUMMERGLADE DRIVE PROMENADE AT THE MEADOWS ESTATE One-story 2 BR, 2 BA, 1258 SF, 2-car garage townhome in guard gated 55+ age-restricted community with fabulous location! Open floorplan with spacious great room, dining area and kitchen with breakfast bar, recessed lighting and tile flooring. Primary suite with ceiling fan, walk-in closet, slider to patio and bath with tub, separate shower and tile flooring. Secondary bedroom with ceiling fan and walk-in closet, secondary bath with shower. Laundry room, courtyard entry, security door and rear covered patio. Community clubhouse, pool & so much more! $248,800 3
Page 1: 2O23 October For your Health, Wealt
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