Property Search

Assessor Home Page search Real Property Records Parcel Number Owner Name Address Assessor Maps Parcel Maps Inquiry Tax District Maps Parcel Book Index Map Parcel Map Index Manufactured Housing (Mobile Home) Records Owner Name Address Account Number Parcel Number Business Personal Property Records Business Name Address Account Number Parcel Number Declaration Information Road Document Listing Parcel Number Document Number Recorded Documents Document Number Recorded Maps Book/File/Page Number Building Sketches Parcel Number Office locations: - - - Select Location - - - - - - - - Main Office - - - - - - - - - - - Northwest Office - - - - - - - Henderson Office - - - Search our site ASSESSOR RECORDS AND MAPS If you are a new visitor to our site, please scroll down this page for important information regarding the Assessor transactions. Assessor's Office Disclaimer: The Clark County Assessor's Office makes every effort to produce and publish the most current and accurate information possible. No warranties, expressed or implied, are provided for the data herein, its use, or its interpretation. The assessed values are subject to change before being finalized for ad valorem tax purposes. The Assessor parcel maps are for assessment use only and do NOT represent a survey. The Assessor parcel maps are compiled from official records, including surveys and deeds, but only contain the information required for assessment. See the recorded documents for more detailed legal information. (Notice: Occasionally, some Assessor files are closed for routine maintenance and may be unavailable for a few minutes.) Road Document Listing Inquiry: Information on roads and other right-of-way parcels may be obtained by clicking on one of the above links under the Road Document Listing link. You must have either an eleven (11) digit parcel number or the recorded document number to use the Road Document Listing Transaction. You can also obtain the Road Document Listing in either of the Assessor's Office Locations. Viewing Assessor Maps: Adobe Reader is FREE. If you do not have the Reader it can be downloaded from the Adobe site by clicking the following button. Once you have downloaded the Reader, it is NOT necessary to perform the download a second time to access the maps. Once installed on your computer system, Adobe Reader launches automatically once a map item is selected. Note: It will take approximately two (2) minutes or longer for the map files to load. Using Adobe Reader Download the Adobe Reader Optimal Browsers: We've tested our content across many browsers and recommend that for the best viewing of our pages that you use Microsoft Internet Explorer or Netscape Navigator (or Communicator). To download the latest versions of either one of these programs, please click on one of the following links: Netscape Navigator (or Communicator) Microsoft Internet Explorer Some browsers may experience difficulty displaying the maps. For help please click on one of the following options. Netscape Navigator 7 Microsoft Internet Explorer for Windows 95/NT Microsoft Internet Explorer 6

Buy House

Amazon.com: House of 1,000 Corpses: DVD: Chad Bannon,William Bassett,Karen Black,Erin Daniels,Dennis Fimple,Walton Goggins,Sid Haig,Chris Hardwick,Jennifer Jostyn,Irwin Keyes,Matthew McGrory,Sheri Moon,Bill Moseley,Robert Allen Mukes,Michael J. Pollard,David Reynolds (VII),Tom Towles,Rainn Wilson,Harrison Young Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Great horror movies with NO co... : A list by mellowb780 Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 113 used & new from $7.34 Have one to sell? House of 1,000 Corpses (2003) Starring: Sid Haig , Bill Moseley Director: Rob Zombie Rating: See larger image Share your own customer images List Price: $14.98 Price: $9.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.99 (33%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Tuesday, January 3? Choose One-Day Shipping at checkout. See details 113 used & new available from $7.34 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape House of 1000 Corpses (Spanish) (Sub) $49.98 $47.48 2 used & new from $47.48 VHS Tape House of 1000 Corpses $9.98 $9.48 32 used & new from $0.84 Other Versions (Audio CD) Audio CD House of 1000 Corpses $18.98 $14.99 81 used & new from $2.98 Better Together Buy this DVD with The Devil's Rejects (Unrated Widescreen Edition) DVD ~ Sid Haig today! Total List Price: $42.96 Buy Together Today: $27.98 Customers who bought this DVD also bought The Devil's Rejects (Unrated Widescreen Edition) DVD ~ Sid Haig Saw (Widescreen Edition) DVD ~ Leigh Whannell Land of the Dead (Unrated Edition) DVD ~ Simon Baker StrangeLand DVD ~ Kevin Gage Explore Similar Items : in DVD , in Music Storyline Genres: Horror Tagline: The most shocking tale of carnage ever seen. Plot Outline: Two teenage couples traveling across the backwoods of Texas searching for urban legends of serial killers end up as prisoners of a bizarre and sadistic backwater family of serial killers. Plot Synopsis: In "House of 1000 Corpses", two young couples take a misguided tour onto the back roads of America in search of a local legend known as Dr. Satan. Lost and stranded, they are set upon by a bizarre family of psychotics. Murder, cannibalism and satanic rituals are just a few of the 1000+ horrors that await. Plot Keywords: Rabbit Suit | Roadside Attraction | Music Score Composed By Director | Body In Trunk | Corpse | Ghoul | Haunted House | Independent Film | 1970s | Blood | Gore | Murder | (Show all 60 plot keywords recommended by customers) Product Details Actors: Sid Haig , Bill Moseley , Sheri Moon , Karen Black , Chris Hardwick , See more Directors: Rob Zombie Format: Closed-captioned, Color, Ntsc Rated: (Not for sale to persons under age 18.) Studio: Lions Gate DVD Release Date: August 12, 2003 Run Time: 88 min (original theatrical or airing runtime) Average Customer Review: Based on 612 Reviews From IMDb: Quotes & Trivia ASIN: B00009MGEM Amazon.com Sales Rank: #1,516 in DVD Theatrical Release Information US Theatrical Release Date: April 11, 2003 MPAA: for strong sadistic violence/gore, sexuality and language. Production Company: Universal Pictures USA Box Office: $13 Million Budget Estimate: $7 Million Filming Locations: Universal Studios, Universal City, California, USA Editorial Reviews Amazon.com It's sick! It's twisted! It's House of 1,000 Corpses , and it's more fun than a wholesome bowl of "Agatha Crispies"! Dropped by two studios (Universal and MGM) and doomed to obscurity until Lions Gate Films gave it a limited theatrical release, Rob Zombie's gonzo horror flick is a blood-spattered throwback to the gore-fests of the '70s, lending new meaning to the term "box-office gross ." Most critics misunderstood this unbridled exercise in graphic style and violence, but for devoted horror buffs it's a refreshing rebuttal to the comparatively "polite" frights of the post- Scream era. While paying homage to The Texas Chainsaw Massacre , Last House on the Left , Motel Hell , and other gory classics, Zombie's ramshackle plot (two young couples are terrorized by an inbred family of homicidal maniacs) lacks a crucial sense of dread, but his pastiche of vivid colors, grainy fetish-films, and photo-negative imagery is guaranteed to hold your attention. A bona-fide cult item, this House is definitely worth a visit... if you dare. --Jeff Shannon Customers who viewed this DVD also viewed The Texas Chainsaw Massacre DVD ~ Jessica Biel House of 1000 Corpses ~ Various Artists House of Wax (Widescreen Edition) DVD ~ Elisha Cuthbert The Devil's Rejects ~ Original Soundtrack Explore Similar Items : in DVD , in Music , and in Toys & Games Spotlight Reviews Write an online review and share your thoughts with other customers. 45 of 61 people found the following review helpful: THE BOOGYMAN IS REAL, AND YOU FOUND HIM!! , August 16, 2003 Reviewer: Pamela Scarangello (Middletown, NJ USA) - See all my reviews I snatched this DVD off the shelf the day of its release, and for good reason. "House of 1000 Corpses" is absolutely the greatest grisly horror film I've ever seen! Watching the movie in its original theatrical premiere gave me the thrills and chills, and I don't even listen to any of Rob Zombie's music. What makes this film quite excellent is that it has finally reawakened the celluloid corpse of the horror genre; before this, Hollywood has churned out an obscene number of dull PG-13 teeny bopper flicks, including "Scream" and "I Know What you Did Last Summer." While paying homage to the low-budget shockfests of the 1960's and 70's, Zombie gives "House" a post-millenium twist with acidic photo negativity and twisted montages incorporating topless strippers, mutilated cadavers and snippets from campy black-and-white monster movies (provided by Dr. Wolfenstein's Creature Feature Marathon). Rob Zombie himself commented that a majority of "House's" gritty home video footage was shot through a hand-held camera in parts of Zombie's own basement! Also notice how NO high-tech computer effects were used; because "House" is set in the rural American South in 1977, the makers intended to stay true to that period (not to mention achieve realistic gore without overspending the budget). And of course the larger-than-life characters of "House of 1000 Corpses" are just as memorable as those in "The Rocky Horror Picture Show." In fact, in the DVD's featurette, Sig Haig happily confessed how he would like to see this film presented in any tiny theatre where audiences can yell back at the screen! Who wouldn't love to visit Captain Spaulding's Museum of Monsters and Madman and sample a bag of tasty fried chicken? Would you dare purchase a ticket to the scary Murder Ride and learn the legend of Dr. Satan? Or how about the psychotic Spiderfly family, who light up the flickering candles on Halloween night and fiendishly participate in a gruesome celebration (one in which cheerleaders are gagged, tied up and tortured)? Better yet, when was the last time a cinema fanatic witnessed a cult ritual of blood and fire, dedicated to the famous Dr. Satan himself?! Although I enjoy watching this film from beginning to end, I do have a few favorite moments. The first that immediately comes in my head is none other than the creepy Murder Ride, complete with cross-shaped tombstones, animatronic zombies and the awesome Captain telling the tragic tales of real-life serial murderers, molesters and cannibals (most notably Ed Gein, the notorious killer whose farmhouse was borrowed for "The Texas Chainsaw Massacre.") I love the part when Baby (Sherie Moon) struts her way to the stage in her glittering evening gown, lip-synching to "I Wanna Be Loved by You" like a cute Hollywood starlet. Such bizarre charm! Yet another moment that stands out in my mind is when the sadistic Otis (Bill Moseley) lops off a victim's right hand with an axe...all while the funky Commodore's hit "She's a Brick House" blares on the radio! Mother Firefly (played by the voluptuous Karen Black) sort of reminds me of a blond, venomous Sharon Osbourne from the South! You kiddies will be happy to know that actors Sid Haig, Sherie Moon AND Bill Moseley actually host the different menus on the DVD; after returning to their delightfully creepy roles in the film, they each provide color commentary DIRECTLY TO YOU! Unfortunately, the list of extras DOES NOT include any hardcore deleted scenes, but if you carefully listen to Zombie's commentary, you might get just a hint as to which kind of footage was edited out. The interviews segment is quite interesting to watch too. I think I like the part when Sid Haig (clown greasepaint and all) chose "House of Wax" as his most favorite horror movie. Each interview even unveils a brand new character action figure! I can hardly wait to see what Rob Zombie has in store for us in the future, when he prepares to unleash an even more violent sequel! RIP Dennis Fimple. Was this review helpful to you? ( Report this ) 42 of 58 people found the following review helpful: Much better than you might think , July 2, 2003 Reviewer: N. Durham "Big Evil" (Reading, PA) - See all my reviews Fans have anxiously awaited Rob Zombie's directorial film debut for over 3 and a half years now, and while the finished product of House of 1000 Corpses isn't scary one bit, it's a very fun dirty little film that reminds us that horror films are supposed to be fun. In the late 70's, four kids go cross country and come across hearing the legend of Dr. Satan; an insane doctor who performed ghoulish experiments on his patients. Soon they pick up a hitchhiker (the oh so hot Sheri Moon; Rob Zombie's real life girlfriend), and from this point any veteran fan of horror films knows whats going to happen next. Soon we meet her family which includes Trilogy of Terror vixen Karen Black and the always excellent Bill Moseley. Next there are plenty of predictable scares followed by some nice gore and make up effects, and the film bares a stunning resemblance to the original Texas Chainsaw Massacre. Zombie partly succeeded his intention; to make a truly scary horror film like the ones of old, and while House of 1000 Corpses isn't the most brilliant piece of horror film (or the most intelligent for that matter), it's a fun ride nonetheless, and Zombie shows some true directorial talent. The performances are great with Moseley stealing the entire show, his performance bearing striking similarities to his zany and hilarious deliverance of Chop Top in Texas Chainsaw Massacre 2, and the cast also includes a foul mouthed clown faced Sid Haig and a southern drawl spewing Walt Goggins (Shane on TV's The Shield). All in all, House of 1000 Corpses is a gritty little movie that horror buffs will find some appreciation for. If you find you like this check out older horror films like Texas Chainsaw Massacre 1 & 2, Last House on the Left, and the original Hellraiser. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 0 of 5 people found the following review helpful: Movie of 1000 Minutes , December 10, 2005 Reviewer: Chris Chris Chris - See all my reviews Read my review and learn, Rob Zombie: A good guitar riff can get you a 3-minute song, but for a feature length movie you need a good story. More is less. Was this review helpful to you? ( Report this ) 3 of 5 people found the following review helpful: Disturbing , December 5, 2005 Reviewer: A. Vegan (Ontario Canada) - See all my reviews I consider myself a huge horror fan and I think "House of 1000 Corpses" is probably one of the worst horror movies, ever. In "House of 1000 Corpses", Jerry, Bill, Mary, and Denise take a trip to the American roads in order to collect material for a book about offbeat roadside attractions. At some point, Bill decides to stop at a gas station ran by an extremely weird man in a clown suit named Captain Spaulding. The place is very bizarre and tacky, but since Jerry and Bill live for that kind of rarities...they love the place!. Captain Spaulding nicely invites the two guys to take a look at the "murder ride". After finally managing to persuade the girls, the four friends take a look at the weird attraction. That's how they become aware of the local legend of Doctor Satan. A weird creature who devoted his entire life to experiment with people and turn them into monsters. Apparenly, Dr Satan was hung from a tree by a bunch angry villagers. That tree is not far away from the "murder ride". Obviously, Bill and Jerry insist Captain Spaulding on letting them know the way to that tree and he finally accedes. In the middle of the road, they pick up weird hitchhiker, a blonde girl named "Baby". The car breaks down all of a sudden, but Baby nicely offers some help and invites them to stay at her place while her brother fixes the car. Unfortunately, Baby and her family are a bunch of sadistic maniac who enjoy celebrating Halloween in a grotesque way. "House of 1000 Corpses" is nothing but a "Texas Chainsaw Massacre" rip-off. The film is very disturbing as some scenes and images were defiantely very creepy. Its also very gory but that doesn't mean its scary. It also sometimes goes over the top on the gore. Was this review helpful to you? ( Report this ) 0 of 2 people found the following review helpful: Starts off good.. , November 28, 2005 Reviewer: Disappointed (California) - See all my reviews Captain Spaulding, Tiny, and Mother Firefly are great characters, very well acted. Otis isn't bad, except for his terrible wig and makeup job. This movie has some good scenes, mostly in the first third, but it moves like an overlong music video, the "shocks" aren't very shocking (especially since almost every gag is stolen directly from Texas Chainsaw Massacre), and the last half hour will put you to sleep. Not suspenseful or really scary even, but a good first 45 minutes or so. Devil's Rejects is a much better film. Was this review helpful to you? ( Report this ) 2 of 6 people found the following review helpful: Oh no, not "Doctor Satan"! , November 22, 2005 Reviewer: Anders Nissen (Falun, Sweden, Europe) - See all my reviews A good title. Promising storyline. Young people in the middle of nowhere, bound to get into serious trouble. However, Rob Zombie gets most of the things just half-right. The young people go on a tour (at a gas station!) where serial killers are presented. Promising idea, but the result is a display of some odd people with strange interests. Not scary, and not amusing - not even fascinating - just a shrug. The climax of the tour is the story about "Dr Satan". He was an evil doctor and was hanged in a trea by the locals. The tree is not far from the gas station, so why not check it out? A flat tire and a "helpful" girl later, the young people are dining with a strange family. Maybe it could have developed in an interesting way, but it gets stuck. In retrospect, even this "Dr Satan" thing is just too uncreative. What kind of name is that? No mystery, just a blunt attempt to have an evil sounding name. Whatever happened to "Michael Myers", "Freddy Kreuger", "Damien Thorne", or "Jason Voorhees"? No, Rob Zombie gotto have the most evilest of evilier of names. The basic problems are: Too many bad guys, more strangeness than scary stuff, and not so good music. The result is that there is virtually no direction. Odd things happen. Strange people appear. The young people get scared or die - and as a viewer I don't really care which. You need one killer to be scared of, not strange people popping up here and there. Any increasing of the number of killers needs careful thought and working out. Or you will end up with a mess. Trust me. Was this review helpful to you? ( Report this ) See all 612 customer reviews... Listmania! The Worst Movies : by Shauna N. Rushing "shauna2332"... 25 Greatest Horror Films Ever ... : by craig whitten Great horror movies with NO co... : by mellowb780 So You'd Like to... Hold A Truly Twisted Movie Party, don't invite the kids! : by ebacm knarf , One who has to apologise to his family See some of the BEST horror movies EVER!! : by Elaine , Lifetime Horror Aficianado Be Entertained Via DVD : by Joshua Miller , Movie freak Fun Facts from IMDb.com: Awards Click here to see more Awards Fantasporto: International Fantasy Film Award for Best Special Effects Nominations Click here to see more Nominations Fantasporto: International Fantasy Film Award for Best Film Teen Choice Awards: Teen Choice Award for Choice Movie - Horror/Thriller Trivia Click here to see more Trivia Universal pictures (original production company) refused to release the film, believing it would be given an "NC-17" rating by the MPAA. Filmed in 2000, and not released until three years later. Goofs Click here to see more Goofs When the kids are trying to leave the Firefly house compound, it's raining and their windshield wipers are on. When Rufus smashes the windshield, they are off. Crazy Credits Click here to see more Crazy Credits After the last scene, the words "The End?" are shown. The end credits show a dedication to Dennis Fimple (Grampa Hugo) who passedaway in 2002, the year before the movie was finally released. Movie Connections Click here to see more Movie Connections Followed by: The Devil's Rejects References: Animal Crackers | Freaks | Horse Feathers | Duck Soup | A Night at the Opera | A Day at the Races | Go West | Alice in Wonderland | Creature from the Black Lagoon | The Night of the Hunter | What Ever Happened to Baby Jane? | Spider Baby, or The Maddest Story Ever Told | Planet of the Apes | True Grit | Last House on the Left | Manson | The House of Seven Corpses | The Texas Chain Saw Massacre | The Child | Halloween | Mother's Day | The Funhouse | The Evil Dead | This Is Spinal Tap | Reservoir Dogs | Army of Darkness Quotes Click here to see more Quotes Otis : It's all true. The bogeyman is real and you found him. Captain Spaulding : I know what your problem is. Bill Hudley : What's that? Captain Spaulding : Ya'll think us folk from the country's real funny-like, dontcha? Bill Hudley : Jerry... Captain Spaulding : Yeah, well saddle up the mule, ma. Slide me some grits, I's got to get me some edu-cation, uh hu hu hu. Bill Hudley : Jerry... Captain Spaulding : You a******! For more information about "House of 1,000 Corpses" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Bassett, William H DVD > Actors & Actresses > ( B ) > Black, Karen DVD > Actors & Actresses > ( F ) > Fimple, Dennis DVD > Actors & Actresses > ( G ) > Goggins, Walton DVD > Actors & Actresses > ( H ) > Haig, Sid DVD > Actors & Actresses > ( J ) > Jostyn, Jennifer DVD > Actors & Actresses > ( K ) > Keyes, Irwin DVD > Actors & Actresses > ( M ) > Moseley, Bill DVD > Actors & Actresses > ( P ) > Pollard, Michael J DVD > Actors & Actresses > ( T ) > Towles, Tom DVD > Genres > Horror > General DVD > Genres > Horror > Slasher Flicks DVD > Genres > Horror > Things That Go Bump > Occult DVD > Genres > Horror > Things That Go Bump > Zombies Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect. Propose corrections using our Online Catalog Update Form . The page contains typographical errors. The page takes too long to load. The page has a software bug in it. Content violates Amazon.com's policy on offensive language . Product offered violates Amazon.com's policy on items that can be listed for sale. Comments or Examples: Examples: Missing information such as dimensions and model number, typos, inaccuracies, etc. Where's My Stuff? • Track your recent orders . • View or change your orders in Your Account . Shipping & Returns • See our shipping rates & policies . • Return an item (here's our Returns Policy ). Need Help? • Forgot your password? Click here . • Redeem or buy a gift certificate. • Visit our Help department . Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Musical Instruments Health/Personal Care Pet Supplies Travel Cell Phones & Service Outlet Auctions zShops Everything Else Automotive for Amazon.com Home | Directory of All Stores Our International Sites: Canada | United Kingdom | Germany | Japan | France | China Help | Shopping Cart | Your Account | Sell Items | 1-Click Settings Investor Relations | Press Room | Careers Conditions of Use | Privacy Notice © 1996-2005, Amazon.com, Inc. or its affiliates

property listing in your

Reals.com - A Comprehensive Directory of Real Estate Properties Listings by state The #1 Real Estate Directory Offers links and information to real estate related sites. Submit a Site | Contacts Foreclosure Real Estate • Real Estate Classifieds • Realtor® Supply Store • Real Estate Articles • Top 100 Search Listing Find real estate and property listing in your area. Select a State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Features · Real Estate Classifieds · Business Opportunity · Commercial Real Estate · Comparable Sales · Condominium · Directories and Guides · For Sale By Owner · Foreclosure Real Estate · Free Property Listing · Golf Property · Lands and Ranch · Luxury Homes · New Homes · Resort and Lodging Find Local Services Real Estate Foreclosures Get instant access to the most accurate national database of bank and foreclosed properties. Shop Online The Largest Selection of Real Estate Marketing Tools, Supplies, and Services Traffic Package Market your real estate web site throughout the web and get MAXIMUM exposure Submit a Site | Company Info | Site Index | Contact Us | Link to Us Terms of Use and Privacy Policy Information contained herein is deemed accurate and correct, but no warranty is implied or given. © Reals.com 2004. All rights reserved.

New Home

Buying a Home - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Buying a Home Information by State Esta página en español Print version Email this to a friend Counseling and Education Housing counseling agencies can give you advice about buying a home. Find a housing counselor near you. Common questions Homeownership videos More from HUD Mortgage glossary FHA mortgage limits HUD approved lenders HUD approved condos Healthy homes Environmental maps Energy info About appraisals Links Rural housing loan programs Loan programs for veterans Freddie Mac Fannie Mae US Postal Service Mover's Guide The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! Nine steps to buying a home Figure out how much you can afford Know your rights Shop for a loan Learn about homebuying programs Shop for a home Make an offer Get a home inspection Shop for homeowners insurance Sign papers Step 1: Figure out how much you can afford What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The calculators below can help, but it is best to visit a lender to find out for sure. How much home can you afford? Buying vs. Renting Need help with your downpayment and/or closing costs? Homebuying programs in your state A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that downpayment! Find a housing counselor near you Step 2: Know your rights Fair Housing: Equal Opportunity for All - brochure Real Estate Settlement Procedures Act (RESPA) Borrower's rights Predatory lending Back to Top Step 3: Shop for a loan Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan. Looking for the best mortgage: shop, compare, negotiate - brochure Let FHA help you Step 4: Learn about homebuying programs Homebuying programs in your state FHA loan programs offer lower downpayments and are a good option for first-time homebuyers. Let FHA help you HUD's special homebuying programs Good Neighbor Next Door Program - for police officers, teachers, firefighters and emergency medical technicians Homeownership for public housing residents Indian Home Loan Guarantee Program (Section 184) Step 5: Shop for a home Choose a real estate agent Wish list - what features do you want? Home-shopping checklist take this list with you when comparing homes Homes for sale (including HUD homes) " Fixer-uppers " - home purchase and repair programs Manufactured (mobile) homes Build a home If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing. Back to Top Step 6: Make an offer Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale. Making an offer Step 7: Get a home inspection Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs. For Your Protection Get a Home Inspection Step 8: Shop for homeowners insurance Lenders require that you have homeowners insurance. Be sure to shop around. Homeowners insurance 12 ways to lower your homeowners insurance costs Step 9: Sign papers You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign! Settlement Costs and Helpful Information Content updated December 1, 2005 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Buy Property

Buying Property in France Web TransitionsAbroad.com Home Work Study Travel Living As seen in Transitions Abroad Magazine March/April 2000 Related Topics Living Abroad Related Articles Legal Living in France Moving to France Buying a Home in France Property in France How to Find It, Buy It, And Live in It By Phyllis Cohen Buying property in France is not just for movie stars and celebrities. Ordinary people with a passable knowledge of French (or a friend who speaks it) and a lot of patience can acquire a bit of magic too. But before you attempt it, arm yourself with knowledge of how to find your special place, how to buy it, and how to live in it. Finding the Place As you look for what you want, here are several things to bear in mind: Don’t expect American state-of-the-art appliances, floor layouts, or conveniences. Part of the charm of old buildings is that they are old, and that includes the kitchens and plumbing. Decide if you want a pied-à-terre (a small place where you can comfortably stay for several weeks or months at a time) or a year-round residence. Generally, an apartment is sold with an empty kitchen—four walls and a water outlet. There are stores that will help you design and install your own kitchen, ranging from pre-fabricated cabinets at IKEA to a kitchen created by cuisinistes . Get at least three estimates as well as references before selecting your vendor. If you will be in a city, decide whether or not you will have a car. Parking in Paris is difficult; having a parking place can greatly increase the resale value of your place. France offers a wide variety of locales. Before you go to the effort of buying something, you really need to explore. Paris itself is divided into 20 arrondissements , each with its own character. If you are willing to live in the banlieue , or suburbs, prices drop dramatically. Properties in the countryside are considerably cheaper. Finding the right house or flat is more complicated than in the U.S. There is no such thing as Multiple Listings in France. Only 30 percent of real estate transactions occur with the help of realtors; the rest are directly between buyer and seller. As a foreigner, you might be more comfortable working through an agent, or agent immobilier , who knows the laws of France. Getting Started Let’s say you’ve decided to buy an appartement in Paris. Walk the streets to find an area you like, then hunt down some agencies that look promising. You can also check out the listings and realtors in various magazines, newspapers, and on the Internet. There is relatively little new construction in Paris. Those apartment complexes that are being developed are usually sold when ground is first broken; in other words, you basically buy an apartment two years before it is completed. Occasionally, you will find almost-completed apartments listed in newspapers and real estate magazines.If you are truly brave, you can buy a place at auction. Notices appear in newspapers such as Le Figaro and the International Herald Tribune. Let the buyer beware. At least take an architect with you when you go to look at the offering. Reading Listings No matter where you find your listings, they will all be posted as À Louer (For Rent) and À Vendre (To Buy). They will also tell you what arrondissement (if in Paris) or département (if in the rest of the country) the property is located in. Perhaps most importantly, they will give you the size in square meters and the number of rooms. Most apartments in Paris are small. Studios are 100-200 square feet, some smaller. Three-bedroom apartments are frequently under 1,000 square feet. Listings will tell you how many rooms there are other than the kitchen. A studio is one room. A one-bedroom apartment will have two pièces, or two rooms, plus the kitchen. Bedrooms are almost uniformly small, while the living rooms are comparatively large. Bear in mind that the French follow the European convention of counting the first floor as the ground floor (Rez-de-Chauseé or RdC); the second floor in American terminology is the first floor in Europe. Generally, the higher the floor, the more expensive the property. Closing the Deal Once you have decided on a place you like at a mutually-agreed upon price, you and the seller sign a document known as a promesse de vente . This is a legally binding document that confirms that the seller must sell the property to the buyer. The buyer, however, has 11 days to change his mind. The seller must also provide to the buyer an accurate floor plan of the apartment or house. All sales in France are conducted with notaires. Both the buyer and seller has his own notaire and they confirm that all aspects of the sale are done according to law. If you are buying a condominium, there will be a set of rules that govern the building. As an owner, you are a co-proprietaire and are bound by the laws of the building. Owners collectively determine such things as whether you are allowed to install a satellite antenna on your balcony, whether the building as a whole will subscribe to cable TV, how often and how much money will be spent on repainting the walls, etc. Do not make the mistake (as we did) of not personally reading all regulations before you sign. As a foreigner, it is advisable to hire an avocat , or lawyer, who specializes in real estate. In case of a disagreement, you are far better off having someone who knows the law and knows how to speak French. Tax Considerations Before buying property in France, you should know that the Government of France has very specific inheritance laws. By law, on your death your property is divided equally between your spouse and your surviving children. There are some steps you can take to ensure that the surviving spouse can continue to live in the house or flat. Speak with a lawyer about this before you buy the property. You will pay between 8 and10 percent in taxes and fees. If you buy an apartment less than five years old, however, you will pay only 3 to 5 percent or less. Ask also about property taxes, which tend to be less in Paris than in the country. Generally, you will be responsible for both a land and a habitation tax. A larger question is your residency status. If you reside in France full time and earn a living here, you will become part of the French social system. The taxes are extraordinarily high (more than 50 percent). Again, you should seek the advice of a tax attorney who is familiar with both the American and French taxation systems. You can get a list of attorneys from the U.S. Consulate. Financing If you are able to pay cash for your new home, you will not need a mortgage, and many properties for sale in the country might well be within reach of your savings kitty. If you need a mortgage, things become a bit more complicated. A French bank will issue a mortgage to expats as long as you can show regular income. By French law the total of all of your mortgage payments worldwide cannot be more than 30 percent of your total income.Lastly, you must have mortgage insurance for a large mortgage and a physical examination at the bank’s expense. If you do not fall neatly into an income category (e.g., you are retired without a fixed income), Banque Woolwich is a good resource. The staff are used to dealing with expats and speak excellent English (Banque Woolwich, 9, rue Boudreau, 75009 Paris; 011-331-42-684-221, fax 011-331-474- 203-23; www.woolwich.co.uk ). Mary Fort is branch manager.The good news is that mortgages in France currently have excellent rates. Most mortgages (or “prets”) are for 15 years and currently run 4.5 percent annually. Once you are here in France, an excellent book to read is At Home in Paris , published by the Junior Service League of Paris. It gives all sorts of hints on differences of living in the States versus France (like how to make sure your laundry pipes don’t clog up with deposits). Living in France is a free publication, in English, that gives useful information on housing, employment, banking, insurance, etc. It can be found at various establishments around Paris that cater to foreigners. To absorb the flavor of a buying experience, read Peter Mayle’s A Year in Provence or Francis Mayes’ Under the Tuscan Sun. Both give agonizingly accurate pictures of the adventure of buying property abroad. All in all, buying property in France might seem like a daunting experience, but it is not an unpleasant one. Contrary to France’s reputation of being inhospitable to foreigners, we have found the opposite to be true. With the notable exception of a few surly cab drivers, we have found the French to be polite and helpful. And as we take our evening walks across the Alexander III bridge we can’t help but be amazed that a small part of this City of Lights belongs to us! Real Estate Listings De Particulier A Particulier (From Buyer to Seller), published weekly on Thursdays, is the most popular nationwide resource. L’Hebdo Immobilier (Weekly Realtor), published weekly on Wednesdays, also has an Internet site at www.immobilierenfrance.com . Demeures de France, a bi-monthly publication that specializes in upscale offerings, is in English and in French and also has an Internet site at www.demeures.com . Demeures de Charme is similar to Demeures de France, and is also in English and in French. FUSAC , a bi-weekly free publication for English-speaking residents of Paris, has advertisements for rentals, purchases, and agencies which can help you do either. FUSAC is available at many locations around the city including W.H. Smith and Brentano’s, two English-language bookstores. PHYLLIS COHEN and her husband Bob have taken a year off from their software company, packed their bags, and moved to Paris (See " Moving to France " in the January February Issue of Transitions Abroad Magazine). Web TransitionsAbroad.com Home Work Study Travel Living Disclaimer ©Transitions Abroad