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Homeowner Dilemmas

Judy Naimo, Homeowner Dilemmas: An annual real estate check-up

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Judy Naimo

Judy Naimo and friend

Most of us pay more attention to tax write-offs at the end of the year. When our birthdays roll around or our health insurance premiums go up, we tend to think about medical checkups.

And we are reminded to check our wills and trusts when we hear about the death of someone we know. When the weather gets warmer and the days get longer we start thinking about planting brightly colored flowers.

But unless something goes wrong with an appliance or there is a water leak, most of us take the health of our homes for granted. We assume that if we do not see it, the problem is not there. And just like a visit to the doctor, we put off checking our home and yard systems.

Where DID the time go?

I cannot tell you how many times I ask someone how old their roof is or how old their dishwasher is, and unless they are very new, invariably they will answer that these items are newer than they really are. This is not an intentional misrepresentation; it is just that “time gets away from us.”

'An Ounce of Prevention'

Consider having an annual home checkup. A yearly appointment with your real estate professional to go over family goals and how they impact the many factors of your property ownership could save you time and money. Even if you are renting, many of the same issues affect you.

Here are a few questions to ask yourself:

• Have there been any changes in the law that impact your housing situation?

• What are current interest rates?

• Have they changed enough so that you should refinance?

• Are they low enough so that you can afford to buy now?

• Do you understand your property tax bill?

• Are you aware of the programs in Napa County that can reduce your bill?

• Is your homeowner’s insurance or renter’s insurance up to date?

• Do you know what a home warranty is?

• Did you have a warranty in the past and want to get a new one?

• Do you know what homes are selling for in your neighborhood?

• Do you know what your home is worth?

• Have you received something in the mail or read something online?

about loans or real estate, that confuses or frightens you?

• Have you had a roof, chimney or pest inspection in the last five years?

Saving time and money

If you have questions, let’s have a chat. I may be able to point out things that you are either not aware of or may have forgotten. Taking time to review every year may very well save you time and money.

If my 40 years of selling homes in this beautiful valley can save you time and money, please pass this tip to your friends.

Check out Napa Valley's most expensive home, a $25m estate located in Deer Park at 850 Sanitarium Road. "The warm modern design features an open floor plan connecting living, dining, cooking, and family rooms, a 2,000 bottle wine library, luxurious primary suite, massage room, gym, two offices, media/theatre room, infinity edge pool, outdoor kitchen, and a full two-suite guest apartment with its own living room and view deck."

Contact Judy Naimo at

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