In part 1, I ended with an argument I often hear from people after I describe what a “normal foreclosure market” looks like. There’s always going to be some percentage of people who should not have bought a house and now they’re upside down or late on payments.

The real interesting bit we can see is that there will still be some foreclosures and short sales coming on the market. The argument I hear some people say is:

All the banks were just holding onto their houses. They just hadn’t been listed yet. You’re not seeing them in the charts and graphs you’re using as evidence.

(Much of my briefing is based on Mike Orr’s Cromford Report. A huge thanks to Mike Orr and Tina Tamboer for allowing me to use their work at my presentation and share it here as well.)

To answer those naysayers, let’s look at the “REO” (which is another way of saying “foreclosed property”, not a band who heard it from a friend who heard it from a friend…). The REO then is where the bank has already repossessed the house and is putting it on the market directly. This chart below is REO and includes everything sold between 2007 and 2012. The big blue Pac-Man looking thing on this chart is sales sold through MLS; in other words, 131,000 homes.

(graph, above)
“Sold wholesale” means some big investor bought a bunch of homes at one time. According to the chart, there are only 961 in escrow. When people talk about where to find this mythical crop of homes held back by the bank, you would find them in “Not yet listed.” Well, that’s a whopping 3,047 –not what I would call a wave of foreclosures.

Supply is down, but it’s also increasing.

This is a very interesting thing. Look at this next graph. If you look at December 2010 (far left) all the way into the future, you see a huge drop in supply. Homes being sold by Housing and Urban Development (HUD), the tiny sliver on top in gray, are few and far between and get a ton of offers when they come on the market.

(graph above)
The last two colors on the chart are short sales (light blue) and normal sales (darker blue).

You can see from this same graph that things are moving back up a little. Does that mean that we’re going to get back up to 35,000? No, because you’d have to have the same kind of event that put us into the recession to get back up to those numbers.

Let’s take that same thing, single family residential inventory, and look at the distressed sales.

It’s declined 77%.

That’s in terms of the active distressed listings. For those who don’t know, AWC means ‘Active With Contingencies’. Look at that chart again. See how it’s called “Distressed SFR Inventory (Excluding AWC)”? This means someone has an accepted offer on a short sale, but they’re waiting for their lender to say it’s okay to precede and close on that property. Let’s break it down a bit.

Look at the far right side of the same chart. There are 1,923 Active Distressed homes. It’s a huge decline. But this is the interesting part. Notice the top right corner of the graph, where it breaks down the percentages of the different price ranges listed.

Rather than do each price point, one at a time, let’s look at the combined total, the 81% of homes that are under $300,000. If you make another chart and take out the HUD homes, the REO’s, and the short sales, and compare those to where the normal sales have been…

…there’s basically no change since November 2011.

So what does this U-shaped area represent? I’m speculating here, but in my professional opinion, the normal sales coming back on the market comprise two types of sales: A) People who bought before 2003 or 2004 (so they are able to sell their house, get their money back, maybe make a little bit of money); or B) People who bought a house in 2008 or 2009—which was my advice to people at that time—and now they flipped it, or renovated it and put it back in the market. Those people are adding to the inventory.

The rebounding economy and stronger job numbers, plus incredibly cheap houses, are why–in this next graph–we went from a 3.7 month supply of homes to a one-month supply of homes. By “month supply of homes”, what is meant is that if you shut off the tap and prevented homes from being put on the market, how many months would it take to clear out what’s on there? In this case, it would take us one month to get from a 3.7 month supply of homes to a one-month supply of homes.

This is more drastic than, say, above $1 million homes, but all of this brings me to one point: single family homes that are affordable for most working families will continue to increase, in price and in value, in 2013. That’s even with the increase in inventory that we’ve seen here at the end of 2012.

Prices are rising. This is pretty obvious. You’ve probably heard it in the news. What wasn’t reported on the news, however, is that the rising prices in the last year are only happening at the low ends, under $150,000; far more than they’ve occurred at the high ends. Where’s my evidence? What do I draw from this conclusion? What should you conclude from it?

Stay tuned for Get Your PHX Market Briefing, part 3 where we’ll find out!

If you would like to be part of a future PHX Market Briefing, please contact me at 602-456-9388.

JUMP TO PART 3 OF THE MARKET BRIEFING HERE.

I was listening to the news recently. They were siting the Case-Shiller index talking about what the average home price was in America. This always seemed absurd to me. You could tell me that the average temperature in America is 75° and that doesn’t help me plan a trip. So I got to thinking, it would be great to have a sort of one-stop shop where people could come in and talk to people like Jeannie Bolger, Mike Orr, or myself.

So this past Tuesday, that’s what I did. We had a room of about 25 people. Some were buying houses, some selling them. Some were investors, some realtors, some mortgage brokers. Some were just curious. Another reason I did this was because I just wanted my friends to have this information. I know the market. I work hard to understand the market. We’ve been fighting some of the same myths over the past three years and I wanted to clear the air.

I covered several things in my presentation:

• The home delinquency rate in America and in Maricopa County
• The inventory that’s currently out there
• Some interesting trends hidden inside the data.

Much of my briefing was based on Mike Orr’s Cromford Report. (Thanks to Mike Orr and Tina Tamboer for allowing me to share their work at the presentation and here as well.) I’m a huge fan of this report. If The Cromford Report were like the Grateful Dead, I would just follow them around everywhere, like a groupie. It’s very easy to understand, has helpful visuals, and is easy to digest. Mike is not only behind The Cromford Report, he’s also the director of the Center for Real Estate Theory and Practice at the W. P. Carey School of Business.

Orr made this great statement, which he calls the Coiled Spring Theory:

The longer it takes for prices to respond, the larger prices are going to be.

I think that’s very true in the market right now. For greater Phoenix, the local average sales price per square foot, in just the last year, has seen a 30% increase in prices. Is that going to happen again this coming year? Quite possibly. And that has a lot to do with the number of homes left on the market, and where the next ones are coming from.

Before we get to that, let’s talk about delinquency. This is when people are simply late on their loans. They may foreclose. They may short sale.

I have heard the following phrase a lot over the past year:

We don’t know what the banks are hiding.

I like Mike Orr’s response to that. He says what they’re really saying is:

We’re too lazy to check.

It’s really easy to see what’s coming downstream from the banks. You can see it in several ways. First, by looking at the number of delinquency filings at the county courts. You can see who’s getting notices that they’re late on their loan and are in danger of being foreclosed. Second, you can see it in the number of trustee sales.

When you look at these numbers (see pictured graph, below), you see that Phoenix has no shadow inventory.

Phoenix was well above the USA average in 2009 and 2010 for the number of delinquent loans or foreclosures. Today, we’re below USA average. We’re number 38.

Below is another great snapshot of where we are.

Nevada is in a world of hurt right now. But things in Arizona are not what you have been hearing in the news over the last few years. It’s just not like that anymore for us. In fact, one of the reasons we saw the two big drops in Arizona (note the AZ drop-offs in the above graph) is that title companies got really good at processing short sales and they got us through that. So in Arizona, residential foreclosures are down.

If you want to see the big picture of why there is no shadow inventory, this next chart is a great thing to look at. I was saying it in Aug, 2011 (“If I have to hear another person predict a massive “shadow inventory” I’m going to turn green, and you wouldn’t like me when I turn green…) and I said it again this past July when I wrote about Countervailing Forces (you remember the graphic: two monopoly houses dueling with light sabers. I crack me up, sometimes.)

On this chart, that line on the bottom is the normal level at which people expect to see foreclosures in the market. There’s always going to be some percentage of people who should not have bought the house and now they’re upside down late on payments. The real interesting bit here is that based on this chart we can see that there are still going to be some things coming onto the market or those people are going to be short selling. They’ll find a way through it, but they’ll have a better chance at a better way through it then they would have three years ago.

Some people argue that I’m not looking in the right place. They’ll say,

All those banks are just holding onto their houses. They just haven’t been listed yet. You’re not seeing them in this chart.

Well those people will have to keep arguing, or holding their breath, until part 2 of this series on Get Your PHX Market Briefing. That’s when I’ll share how I answer those people and I’ll share some relevant and interesting insights about the inventory that’s actually out here in Central Phoenix.

If you would like to be part of a future PHX Market Briefing, please contact me at 602-456-9388.

[train photo: andrew_j_w] [modified with permission by Ken Clark]

JUMP TO PART 2 OF THE MARKET BRIEFING HERE.

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“Phoenix’s Innovation and Efficiency efforts are leading the way nationally,” said Mayor Greg Stanton. “As a leader of the city, I get my best ideas from listening to people. We want to put as many of the city’s best ideas forward as possible.”

This deserves a huge round of applause!

The Innovation and Efficiency Task Force went to work January 2010, with private sector members and city executives serving together. Ideas flow through the Task Force to a subcommittee and then to the full City Council. In this excellent 10-minute video the City Celebrates $59 million in Innovation and Efficiency Savings (with numerous specific examples) and announces a $100 million Goal.

“The leadership from Mayor Stanton and Councilman Gates, the full City Council, our Task Force members and hard work from city staff have created a culture of innovation,”said City Manager and Task Force creator, David Cavazos. “Innovative ideas and sound financial management are at the heart of what we do here at the city of Phoenix, and we will continue to find new ideas and solutions.”

Marty Schultz, Task Force Member, and Senior Policy Dir. Brownstein/Hyatt/Farber/Schrek had this to say about the people in the private sector who are involved:

“They are actually very smart people who have finance backgrounds, service backgrounds, and management backgrounds, and have been able to work closely with the city staff.”

This brings to mind a string of programs Mayor Stanton and the city have initiated: In June, I told you about the unveiling of “Go Green Like Your Grocer”, a community energy efficiency showcased at AJ’s Fine Foods; in August, the innovate community-engaging website ‘My Plan Phx’ opened an opportunity for residents to help shape the future of the city through participation in updating the city’s General Plan (Conserve Create ConnectPHX), and planning for the communities along the light rail line (ReinventPHX). This short 1:30 video gives a good idea of what My Plan PHX is all about.

As a former State Legislator and the former state Energy Office Director, I have a strong understanding of energy efficiency in homes. I participated in Energize Phoenix on my property in Garfield, as have many others. That’s a significant bonus when people work with me as their agent. Of the two homes I’ve renovated in Central Phoenix, I did the Energize Phoenix program on my 1925 Arts and Crafts Bungalow. (The other home is a 1948 “war baby” tract home). I understand the attractions and challenges of old homes, as well as how to identify quality new homes. So, please let me know if I can apply my experience to help you buy or sell an energy efficient home in Phoenix.

 [innovation image: seth1492][usa image: Kyle McDonald]

Thank you again to Amber Harrold of Camelbackpackers Hostel. Amber and her family put out an incredible spread for us, including local craft beer, wine and even camel-shaped cookies. If she went to those lengths for us, you can feel good recommending your friends to say at CamelbackPackers Hostel when they come through town.

As we roll in to the cooler weather we start to think about family and all of the holidays centered on spending time together.

This month, please join us for our first annual Get Your PHX Family Thanksgiving. You’ve all been so supportive of Get Your PHX and Cenpho businesses for so long that you really are part of the family. So, before you head off for your “other” family dinners in late November, please join your Get Your PHX family for one special thanksgiving meal.

Hob Nobs owners Bob and Sharilyn are preparing a very warm reception for us. In addition to their regular, vast menu of goodies, Hob Nobs is offering a Thanksgiving Sandwich special for just $10 -that’s a turkey and cranberry sandwich and a drink. In addition, they are offering a $1.99 craft bottle of beer, to be announced.

Hob Nobs is also organizing for their most popular musical act, DirtMusic, to entertain us for Get Your PHX. This band has travelled around the world to play its mix of alternative blues and bluegrass. You don’t want to miss this.

And, of course, I will be hosting the monthly raffle. Don’t miss out. Your PHX family misses you!

PLEASE NOTE: THIS IS A TWO-NIGHT EVENT. DEC. 5TH AND 12.

Friends, it is official. Phoestivus is on and bigger than ever. Not only will we have over 50 vendors. Not only will we have at least 6 food trucks. Not only will we have feats of strength, an airing of grievances and the worlds largest Phoestivus pole (as far as you know).

Not only that, friends. But this:

I saw a movie recently (“Heist: Who Stole the American Dream?“), which featured our own Kimber Lanning, Local First Arizona’s founder and director since its inception. We got to talking about why it’s important to consider moving to a credit union as your bank of choice.For years, I had been thinking about the prospect of closing my national bank account and opening an account at a local credit union.

Well, it is finally time and I need your help. Allow me to explain.

To start, and for the sake of this series, let’s just say that I bank with “CitWellsiBank of America.”

Like most banks, my bank charges these fees unless I carry a certain balance; difficult for a small business to do. I suspect credit unions have fees of their own. However, that money has to go somewhere, but I’d rather have it go to a local credit union and keep the money in the local economy. Did you know that when you spend your money locally, four times that amount stays in local circulation, than if you spend it on a national chain or, in this case, a bank?

Credit unions, by design, are investors in their local economy (I think you could make the case that we wouldn’t have the same damage to our economy if we were all using credit unions that weren’t too big to fail. The big banks prior to the recession were doing big credit default swaps, bundling loans (great 2-minute video clip explanation from William Hurt film, “Too Big to Fail” at the link), and selling off collateralized debt obligations.

So when I was talking to Kimber at the movie, I got to thinking about the things were holding me back and I realized that they are probably the same things that hold back other people:

Time. This is probably the biggest impediment to making the switch. My suspicion is that it’s going to take a lot of time to research credit unions, narrow it down to one, set up all of my business accounts, personal accounts, savings accounts so that it’s an exact replication of what I currently have and like. Not to mention learning new things like how to navigate their online offerings, their apps (if they have them) and how to move money around between banks the process.

Uncertainty. Will the credit union have a similar setup on its website interface? How easy will it be to get cash from a credit union with, presumably, fewer locations and ATMs. Where will I get cash if I need it? The big banks tell us we have to go to an ATM or a branch to get money, but we’re smart consumers; we know we can just visit the local supermarket and get cash back and there’s no ATM fees this way. Am I to expect the same level of trust/uncertainty when considering a relationship with a local credit unions?

Security. We’ve been duped into believing that big, national banks are the only ones who take security seriously. How often are local credit unions information compromised? We know it happens to the big banks. What measures do local credit unions take and how do they compare to the national banks?

Over the course of the next two months, I’ll be doing a series on my personal experience in setting up and moving from my big national bank to a local credit union. The first one, which you’re reading now, is defining The Problem: time, uncertainty, and security.

I’m going to do it for everyone, putting these posts up. And I’d love to have your comments as we do it. Tell me what you’ve experienced. Please help me get started by answering these questions:

1) Have you ever considered moving to a credit union?

2) What has kept you from seriously considering a credit union? What’s been holding you back? Why did you decide against a credit union?

3) What credit union do you recommend (or not recommend) and why?

I look forward to our journey together. (Read Part 2, “Credit Unions: Funnel it Down”.)

jp

The 4^th annual Grand Avenue Festival is this Saturday, October 20^th
and community involvement is a huge component!

The focus for this year’s celebration is the vibrant culture, art, history and adaptive re-use of the Lower Grand Avenue Arts and Small Business District and adjoining neighborhoods.

Opportunities abound!

Coffee, Cookies & Crafts

Hanging Gardens & Woven Fences & Trashy Sculptures

Grand Trashy Hat Promenade

Bands on Grand Performances (free)

Food

Free tours of the Historic Commercial Building and Adaptive Reuse, begin at 8 am and continue hourly until 11 am, courtesy of the Phoenix Revitalization Corporation (PRC), followed by Free screenings of “The Greenest Building,” shown at the conclusion of the tour.

Check out the Festival on Facebook

Official Festival Flyer [download, print, share!]

With widespread attention and growing support for a trolley on the Grand Avenue Rail Project to boot and a Final Report from Greening America’s Capitals, Grand Avenue is poised to bust open in a big way this year…but we need community support…your support to make it happen!

Recent developments along Lower Grand Avenue reveal an emerging, grassroots effort to revitalize the area. In 1998, a federally funded Weed and Seed project, which aimed to reduce violent crime by “weeding” out offenders and “seeding” community services, kick-started a partnership between city, federal, and state agencies, as well as the local faith community, residents, businesses, and nonprofits. This partnership has led to a 40 percent reduction in violent crime over the last 10 years. Artists have colonized the street, taking advantage of inexpensive vacant and underused warehouse and shop spaces.” ~ Greening America’s Capitals

(Greening America’s Capitals selected Phoenix in 2011 as one of five nationwide cities.)

“[Phoenix] asked for assistance to improve the Lower Grand Avenue streetscape, making it more environmentally, pedestrian-, and bicycle-friendly while also maintaining the neighborhood’s artistic character. The EPA design team will explore options that use green infrastructure techniques suitable for arid climates to capture and treat stormwater runoff. Design options might also include improvements to pedestrian crossings, transit shelters, bicycle paths, and trolleys.”

The Grand Avenue Festival is sponsored in part by the Grand Avenue Merchants’ Assoc.; Phoenix Revitalization Corp.; Oasis on Grand; Glass Lab Metal Lab; Abromovitz Grand Avenue Partners, LLC; Arizona Pedal Cabs; Phoenix New Times; Dunlap & Magee Property Management.

Let me tell you a few reasons why I think my new listing on Roosevelt and 10th Ave is a great opportunity.

1) It is a short sale and very well priced. There are so few short sales left. That’s good, but it also means fewer chances to get some great deals.

2) It is very close to all the great things downtown. It is close to Grand Ave. galleries and Roosevelt Row, as well as one of my favorite places to appease my sweet tooth: Treehouse Bakery.

3) It has a garage, which is rare downtown.

4) The owner did a lot of work on the kitchen, which you get to benefit from. Oh, and the wood floors look great.

5) There are two rooms, each of which has its own little den. That’s perfect for first time home buyers or renters.

This home is only $135,000 –or whatever we convince the bank to take!

Please give me call if you’d like to see it at 602-456-9388.

The next time you are around Copper Star Coffee or one of the other locally owned gems on 7th Ave, swing in to the Woodlea Historic Neighborhood and see the my listing at 1109 W. MacKenzie.

Or, you can touch on this link to see the listing right now.

This is truly great renovation. Check out the “before” picture, below. The owners made it their goal to retain and respect the historic qualities of this 1,445 square foot, 3br/1.75ba home on a double lot of land. When you make an offer on this house you actually have to write in the sale of two lots. This is a great big space in an established CenPho historic neighborhood. 

The owners kept the original marble honeycomb tile and flat subway tile in the kitchen and bathroom. They also completely renovated the wood floors and kept the original kitchen vent hood for a touch of historic charm. 

They made detached garage operable again by rebuilding much of the structure. They added fixtures and features throughout the house, but also added new touches like an expanded master bathroom, a 21-SEER air conditioner in the master addition, a patio sitting area. They also re-built the front porch over-hang. Other modern touches include the 6-burner stainless steel stove and recessed lighting.

I was hosting our first open house last week and the neighbors were thrilled with the work that had been done. You will be, too.

I used to live in this neighborhood and I can tell you it is a great place to live, with wonderful people and easy access around town.

Please give me a call at 602-456-9388 to see the home.

==========Pre-renovation Photo===========

This November (right before the holiday season and Phoenix’s peak months for tourism), Union at the Biltmore, located on the east end of Biltmore Fashion Park between Stingray Sushi and Season 52, will open 7,200 square feet of retail space in an exciting effort to highlight the mix or “union” of national shops with 18 one-of-a-kind small retailers from the local Phoenix community.

Matt Haldane of the Phoenix Business Journal reported that  Kimber Lanning, executive director of the Phoenix-based non-profit, Local First Arizona, was a consultant on the project.

Confirmed locally owned independent boutiques include Whoopie Baking Co., Citrine Natural Beauty Bar, Paris Envy and Frances Vintage.

Francis original store on Central Avenue and Camelback Road is not moving. In fact, owner Georganne Bryant has said that she’s hoping this smaller store at Union will drive business to her larger store at the original location.

On August 18^th, the Arizona Republic reported that Union had 11 signed leases out of the 18 total retail spaces available. Without a project like this, many of these stores would not be able to afford the rent.

A Phoenix New Times article said that each shop will be allotted 200-500 sq. feet of retail space with a year-long lease, giving mall shoppers a small preview of what their business has to offer. I read in another article that of the leases are for one year, but a couple of tenants have signed on for three.

Says the Arizona Republic:

Frances owner Georganne Bryant hopes to benefit from the Biltmore name but mainly wants to reach a customer who wouldn’t usually have wandered into her shop on Central Avenue and Camelback Road. Frances sells gifts and clothing for men, women and children.

“I was looking to expand, and I really love Phoenix, and they approached me with the project and it just seemed like a perfect fit,” she said. “It’s just kind of a different traffic area and a different location.”

She plans to use her Union location to draw customers to her larger shop, which will carry items not found at the Biltmore location.

“It’ll be like, ‘If you like this (the 500-square-foot shop), you’ll love this (the 2,000-square-foot shop),” she said.

The project was started by Mary Boyd-Williams (Senior Leasing Manager for Macerich) who’d been thinking for a long time about how to bring local flavor into the Biltmore.

Macerich is one of the largest owners of regional and community shopping centers in the United States, with 95 malls in 19 states; in 2002, they acquired Phoenix-based Westcor Partners and became the dominant mall operator in Phoenix. The Westcor portfolio included some of the leading retail assets in the country, including the Scottsdale Fashion Square mall, Scottsdale Borgata, Chandler Fashion Center, and Phoenix Biltmore Fashion Square.

With the introduction of the Union space this November, Biltmore hopes to start hosting events that highlight the community by bringing in local artists. According to the Phoenix Business Journal,

The shops at Union will mark a soft opening Nov. 8, followed by a three-day grand opening weekend Nov. 9-11.”

The Queen Creek Olive Mill is excited to bring our passion for simple, delicious and healthy cuisine to the Biltmore area with Trattoria del Piero, along with our new retail location for Oils and Olives,” said Perry Rea, owner.  “We hope to create a special culinary and shopping experience where locavores can shop and dine with us while enjoying our family recipes and delicious products.”

 A Complete list of Union at the Biltmore shops:

Bonafide Goods is a new concept from Greg Eveloff of The Clotherie.  Offering a modern interpretation of classic American men’s clothing, hats and accessories, it also will house Phoenix’s first micro-haberdashery.

Customatic.com brings together years of experience designing and building great architecture, furniture and interior items to create custom pieces for the modern home.

Oils and Olives by Queen Creek Olive Mill will offer its popular branded products.  Customers can explore the vast selection of signature extra virgin olive oils, balsamic vinegars, stuffed olives, and tapenades along with bath and body products made with extra virgin olive oil, daily fresh baked breads and a unique selection of other local treasures.

For the People is a modern gift and home accessories store with a focus on functional design. Featuring brands such as Alessi, the store will give customers access to great lifestyle design products and give talented designers an exciting venue to show and sell their work.

Frances & Charlie Newsstand will offer unique, hand-selected gifts including jewelry, candles, paper goods and books, as well as a variety of magazines, newspapers and specialty publications featuring fashion, design, art, living and global news.  

Lilly is a vintage-inspired women’s boutique  offering  the latest fashion apparel, celebrity jewelry lines, chic and unique housewares, distinctive gifts, handbags, accessories and much more.

Little Artika, a Biltmore Fashion Park favorite, returns to the center in UNION.  Offering cool stuff for small humans from lines like duc duc, muu kids, SkipHop, Nurseryworks and DwellStudio, Little Artika delivers outstanding products for children, newborn and up.

Me Myself & Eye is a sunglass boutique that pushes the boundaries of expectation, self expression and individuality by offering the highest quality of fashion-forward sunglasses, readers and accessories. Operated by the owners of Sassy Glasses Optical Boutique, Me Myself & Eye offers the same superior customer service as its parent store with a focus on unique sunglasses and readers.

R & R Surplus carries women’s active wear that can be worn on the street or in the studio.  These relaxed yet fashionable clothes are from the creators of Fitigues.

Royal Coffee will open a second location at Biltmore, brewing their popular roasts alongside a selection of fresh pastries.

Smeeks will bring their assortment of sweet treats and toys to UNION, offering the best old-time favorites – from handcrafted lollipops, toffee, caramels and marshmallows to yo-yos and shrinky-dinks.

Trattoria del Piero will bring to UNION the dedication and passion for good food found at del Piero at the Mill. Featuring all new simple and delicious sandwiches and salads, the menu will include the famous Kalamata sandwich as well as signature cocktails.  Using family recipes, handcrafted extra virgin olive oils and the best local and seasonal ingredients, del Piero has garnered both local and national acclaim and was featured on the Food Network’s “Best Thing I Ever Ate” in 2010. The menu exemplifies a dedication to delicious, healthy and uncomplicated food. Trattoria del Piero will serve breakfast and lunch and a full service restaurant for the evenings complimented by a full bar.

White House Flowers is an appealing, one-of-a-kind florist offering home accessories, gifts and repurposed and renewed treasures with a casual urban look, as well as traditional European-style furnishings.

The Willows Home and Garden offers simple yet sophisticated home décor items along with apparel and in-home design services.  They carry antique objects and a beautiful selection of exclusive lines including: Bella Notte Linens, Italian Vietri table top dishes, Michael Stars t-shirts, CP Shade apparel and a variety of unusual jewelry.