Christmas in Comfort 2011 – November 26th

Come enjoy this Saturday, the 26th in downtown Comfort for Christmas in Comfort.  Festivities start in the town square at 10 a.m. with lots of wonderful vendors, a live music stage and plenty of food and beverages.  Don’t forget the famous lighted parade that starts at 7 p.m. so bring your chair and blankets! We’ll see you there!

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ATTENTION LADIES!! GIRL’S NIGHT OUT IN COMFORT, TEXAS

Girls Night Out

An old fashioned holiday spirit awakens in the tiny town of Comfort .

Grab your girlfriends and join local merchants for a magical evening of shopping and yuletide refreshments!

Tuesday, November 15

4:00 pm – 9:00 pm

Fabulous door prizes

814 A Texas Bistro

Accents and Flowers

Antiques on High

Antiquities, Etc.

Blackbird Antiques

Comfort Antique Mall

Comfort Candle Company

Comfort Cellars Winery

Comfort Common

Comfort Crockery ~

Comfort Stampede

Cypress Creek Antiques

High’s Café and Store

Juniper Green Antiques

Kat’s Unique Gifts

Stuff ‘N’ More

Sweet Comfort

The Plaid Goat

The Heart Cottage

The Tinsmith’s Wife

Turkey Ridge Trading Company

Wilson-Clements Antiques

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CREEKSIDE HOME ON HWY 87 JUST BEFORE FALLING WATER – REDUCED TO $389,900

Spacious Family Home between Comfort and Fredericksburg. Creekside with live springs, dam and bridge to original homestead into Falling Water. DSC01722Master and office/2nd bedroom downstairs and 2 spacious bedrooms and bath up. Grounds are very useable for horses, vineyard, etc. Large barn with 2 very deep garage stalls and large apartment (unfinished) above. Private gated entrance and HOA. DSC01719The home is set back making it very pleasant with special views. The creek features just adds so much! Call 830-995-2511 for your personal showing.

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This Burger Means Business – Comfort, Texas Eatery

Folks, in case you haven’t heard … There’s a NEW burger in town.  Conveniently located on the corner of  7th and High Street in downtown Comfort,” 7th Heaven” is serving up burgers out of a fire truck red trolley car .

I spent a little time talking to the owner, James Billingsley.  Being a burger fan, he wanted to make sure that their burger would make a memory with folks.  I put the burger to the test and let me tell you it passed! With 1/2 lb of  savory beef and a delicious  jalepeno cheese bun it was reminiscent of  Alamo Springs Cafe’s legendary burger.

Opened now for about a month 7th Heaven is already gaining great respect around the community for a great place to grab a meal.  Be sure and check it out!

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Comfort Wines are BIG winners!!

The 2010 Houston Livestock and Rodeo International Wine Competition has awarded Comfort’s own Singing Water Vineyard a Gold Medal for it’s 2009 Merlot.  The 2008 Texas Reserve, 2009 Pinot Grigio and their newest addition, the 2008 Freedom, all took home Silver medals. The 2008 Freedom also took home the Reserve Class Champion.  Make a trip to Singing Water Vineyards and try all the wines for yourself. We recommend  you bring a sack lunch and enjoy a picnic in the tree house.

www.singingwatervineyards.com/

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JANUARY TO SEPTEMBER SALES UP IN COMFORT, TEXAS

Increases in sales of Farm and Ranch and Lots/Acreage provided the stimulus for total real estate sales increases in Comfort, Texas so far this year. Looks like hill country land is coming back in vogue again!

On the other hand, residential sales are down so far this year. As I quickly look through the residential sales so far in 2010 (14 so far compared to 16 last year during the same time period), I am reminded that many of them were at deep discounts from original list price. The average list price to sales price ratio was 88.4%

ComfortJantoJune0910As for the outlook for THE ENTIRE HILL COUNTRY for the balance of the year, here are some things to consider:

Tax rates are set to increase next year. Current land owners: This year may be an opportune time to realize gains on real estate at lower tax rates.

There is currently a “glut” of residential properties on the market.  Since there is so much competition, homes that are “average” just aren’t selling.  Prices are being reduced time and time again in order to get market attention. As such, we believe that by end of year there will be some great “buys” on homes that need a little TLC.

We’d love to serve you whatever your real estate needs are.  We work from Leon Springs to Mountain Home, Bandera to Johnson City.  Give us a call!

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Fredricksburg Food & Wine Fest

Toast to Texas Join the experience in downtown Fredricksburg at the Marktplatz ( 100 block of West Main Street).  October 23 , 2010 Fredricksburg Food and Wine  Fest will be celebrating  20 years this of this event. Enjoy the fall weather and  some of the fine tastes of  Texas food, wine, music, shopping and more. This event is from 12pm to 7pm. Adult tickets are $20 (under 21) $5 (12-under) Free.  Get started planning your trip and have fun!grapes

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FUN PICTURES FROM YESTERDAY’S SNOW IN THE HILL COUNTRY

Here are a few pictures from yesterday’s snow:

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Tailgate Party in the Hill Country with Frosty

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Snow Chilled Longhorn

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ANNUAL RENEWABLE ENERGY ROUNDUP – FRIDAY – SUNDAY, 9/25-9/26

iStock_000008495614XSmallgREEN eNERGYNext weekend is the 10 th Annual Renewable Energy Roundup & Green Living Fair featuring:

Over 7500 people are expected to attend this gathering.  You won’t want to miss it!

Hours:

A 3-day pass is available at $20.  Daily passes are:

For more information, Go to www.TheRoundup.org

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With Texas Hills Come Valleys, Rivers (& Flooding): How to Handle Flood Plain Issues

Beautiful Creek View in the Hill Country

Beautiful Creek View in the Hill Country (available with Cabin www.hillcountryvacationrental.com)

The Texas Hill Country is full of beautiful hills, valleys, rivers, and creeks (like the one pictured to the left).

You’d think that every one moving to the Hill Country would want something like that.   Beautiful, Live water! Ahhhhh…. You can almost feel your blood pressure falling, can’t you?

Well … Maybe. Maybe not!  For some it might actually increase their blood pressure.  So .. it just depends!

As with many things in life, with every plus, there is a minus and with live water comes the possibility of flooding.  You just have to weigh the good with the bad and determine if it is right for you!

I had someone call me not too long and say that they wanted a live water property that was not in the flood plain.   Kindof a problem, you think?

In some places, especially here in Comfort, a very large portion of the community is in the flood plain.    The river and creek that caused the original settlers to settle there also caused those settlers much difficulty through the years.  In fact, Comfort’s “main” street (e.g., the place where the majority of the town’s businesses are located) is now “High Street” because businesses relocated to “higher” ground after numerous floods.

So .. for many properties in the Hill Country, including properties in Kerrville, Bandera, Center Point, Fredericksburg, etc., you will have to weigh flood insurance into the overall budget.

When faced with flood plain issues, one term can be especially confusing.

100-Year Flood – The term 100-year flood is misleading. It is not the flood that will occur once every 100 years. Rather, it is the flood that has a one percent chance of being equaled or exceeded in any given year. Thus, the 100-year flood could occur more than once in a relatively short period of time. The 100-year flood is also known as the base flood or 1 percent annual flood.

So, how do you know whether the property you are looking at is in the floodplain?  You will want to locate the the Flood Insurance Rate Map (FIRM) for your area.  Here is a portion of Comfort, Texas (Panel 90 in Kendall County):

Flood Insurance Map for Comfort, Texas

Flood Insurance Map for Comfort, Texas

What you will notice is that there are different zones shown as wells as various numbers.  For areas in the Hill Country, you will be concerned with Zones A & B.  Zone B is considered to be in the “flood fringe area” (e.g., the risk of flooding is less than 1%; however, still a possibility).  Many mortgage companies still require coverage for properties in Zone B.

Zone A is definitely in the high risk portion of the flood plain.  Often, Zone A will be broken down into subareas ranging from Zone A-1 to Zone A-30.  If your property is in a Zone A area, you will definitely need flood insurance and the Flood Insurance Rate Map will tell your insurance agent how to price your premium.  Flood insurance premiums are federally regulated. Often, individuals and lenders will ask for a Flood Insurance Certificate in order to better define the risk of flooding and can help save in premiums.

A Flood Insurance Certificate is prepared by a surveyor who certifies the Base Flood Elevation (BFE) that the property is in, the Lowest Floor Elevation(LFE), and the Lowest Adjacent Grade (LAG).

Base Flood Elevation (BFE) – The Base Flood Elevation is the height of the base flood, usually in feet, in relation to the National Geodetic Vertical Datum of 1929, the North American Vertical Datum of 1988, or other datum referenced in the Flood Insurance Study report, or average depth of the base flood, usually in feet, above the ground surface.

The other two terms, LFE and LAG give perspective as to where the house is relative to the BFE.  If it is above the BFE, insurance rates could be less than standard FIRM rates.  If the house is at or below the BFE, the insurance rates likely will remain at the FIRM rates.

Whether your house was built (or substantially improved) prior to the community’s first Flood Insurance Rate Map (FIRM) or not will factor into how much you pay in flood insurance premiums.  Ask your insurance agent.

For other terms related to flood plain, go to:

nfipmapterminology

Or if you would like information on a specific area or property, we’d love to help you.  You can draw on our expertise of Hill Country real estate and the dynamics related to it.

We’d love to be your Hill Country Home & Ranch Team!  830-995-2511.

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