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About The Sunday Oregonian. (Portland, Ore.) 1881-current | View Entire Issue (Sept. 26, 1915)
THE SUNDAY OREGONIAX, PORTLAND, SEPTEMBER fG. 19T.". ASSESSOR ASKS AID FROM REALTY MEN i SITES OFFERED FREE IF FACTORIES BUILD TUDOR ARMS APARTMENT COMPLETED AT COST OF $123,000. TIMES HAVE CHANGED SINCE DAYS OF LUTHER Life Insurance One Force With Which to Combat Poverty, Mother of Oirtes Prayer of Leader of German Reformation Not For This Day. y - , . . , ''""' " ;t ' ifl Difficulty of Determining True Value of Property Traced to Source. LUCRATIVE BASIS IS BEST Iractiee of Padding Consideration Xaraed in Deed and of Adding More Stamps Than Xcedcd lor Transaction Scored. BY HENRY E. REED. Assessor of Multpomali County. fFrom address. "How Keal Estate Men snri Assessor Can Work Together," deliv ered before Portland .Realty Board last Fri day.) So far as real estate Is concerned the labors of the Assessor and the realty broker are identical. The Assessor places values upon land and buildings for purposes of public taxation. The real estate broker fixes a value upon a particular parcel of property for a buyer, a seller, a lender of money or a lessee. In determining values, whether for taxation or investment, the Asses sor and the broker should consider pretty much the same factors and ar rive at substantially the same conclu sions. However, it is quite often the case that the values thus sought to be es tablished are widely divergent, as can be testified by the official records, and by current accounts of sales, mort gages and leases. These differences are much more pronounced in a lismg market, such as we had several, years ago, than in a stationary market, such as we now have. It is equally true that valua tions established by a group of realty brokers acting independently of each other will vary more widely than the average figures of the group compared with the figures of the Assessor. Information Sources Mnny. There are a great many sources of Information open to the Assessor in determining the values of lands and buildings. Singly or collectively they have certain worth, but no one is con clusive, except that perhaps two minds may have agreed on a given point. They are like conflicting testimony submitted in a trial, from which the Jury must unravel the truth. New York recognizes 41 sources of informa tion. Tn Multnomah County we use a large number, the more important of which may be listed as follows: Previous assessment for purposes of tax ation. Consideration paid as set forth In re corded deeds. Amount of money loaned on mortgage security, especially when the lender is known to limit loans to a certain fixed percentage of the real value. , Amount offered in good faith by a pur chaser who is ready, willing and able to buy. ' The rental paid. Valje. placed thereon by tho owner. Value placed thereon by the seller after he has sold. Valuo placed thereon by the buyer after he has purchased. Value placed thereon by real estate ex perts. Information volunteered to the Assesssor by persons alleging special information on the subject City services which benefit real estate. Amount and character of traffic in front Of or In the neighborhood . of the property. Nearness of the property to the various lines of transportation. Character of the neighborhood in whicn the property is situated. Recent or contemplated improvements In the neighborhood. Whether or not undesirable elements or nuisances are present In the neighborhood. Grade of the land and how it fits into the citv plan. location, size, shape and utility, includ ing access. Action of the sun. Whether or not the property has water frontage. Whether or not the property has or is In. position to obtain railroad trackage. Cost of construction of buildings, accord ing to figures furnished by owners, archi tects and contractors. Whether or not the buildings are in prnner repair. Factors of cost of buildings a, square foot and a cubic foot. Whether or not the probable uses of the building ' are suited to the neighbor hood in which it is situated. Value of adjacent property. Recent pales in the neighborhood. A'alue of ppoperties of substantially the tame character situated in practically the simu type of neighborhood elsewhere in the . county. Personal Inspection of property by the Assessor or his deputy. Newspaper reports of sales and leases. Testimony given in court proceedings, eed Information VnluelcsN. The best source of information on real estate which the Assessor can have is practically valueless. This is the consideration set forth in the deed upon the occasion of a conveyance. During the past 25 years the practice has (frown up all over the country of in serting only a nominal consideration in deeds. So universal has this practice become that in some states 95 per cent of the deeds give a nominal considera tion. In Oregon the percentage of nominal considerations is very high, and the true consideration is the ex Ception. I consider the custom a detriment to real estate .operations in that it causes investors to fear that they will be de ceived as to the value of property. It is not unlikely that Congress, to strengthen the Federal income tax law, will in the near future give considera tion to a measure requiring the true consideration to be stated in deeds. Padding of Stamps Practiced. Another source that ought to be of value to the Assessor, but which has proved useless, is the Federal law re quiring a dollar stamp to be affixed to a deed for each $1000 of value transferred. It was the consensus of opinion among delegates to the re cent National tax conference at San Francisco that the affixing of stamps on the deeds means nothing that will help an assessing official, and that the stamps are padded as often as the con sideration is padded. I know of a case in Portland where 60 per cent more stamps than were necessary were put on a deed simply to enhance the amount that might be bor rowed on the property for building pur poses. Information furnished by seller or buyer usually Is dependable, but not in all cases. I know of a sale in Portland that was reported at 200,000. The buyer told a friend in confidence that ho paid a little short of $200,000. or to be exact, $196,000. Neither buyer nor seller would give the Assessor any in formation, but word came indirectly from the seller that he was paid $163, 00s. I have since learned that the actual consideration was $140,000. Productive Value Basis Urged. There are at least two parties to every real estate transaction who know the value of the consideration, whether In cash or in trade. One is the seller and the other is the buyer. As a rule there is added one real estate broker and probably two or more, so that in practice three persons know all the de tails. Whatever may be the attitude of seller and buyer toward the future of the market, it seems to me that the broker Is vitally interested in getting the correct information to the Assessor. J am among those who believe that s v, STRICTIRE LOC.tTKD AT EIGHTEEXTII AND COUCH STREETS. ; Aftrr an expenditure of nearly $125,00u the R. F. Wassell Company recently completed the Tudor Arms Apartment building on the northwest corner of Eighteenth and Couch streets, the site of the old home of the late George H. Williams. The building extends four stories above a ground floor basement. It contains 60 suites of two three and four rooms each. The exterior is of red brick with terra cotta trimmings. The same company is plan ning the erection of a similar structure on the southeast corner of Twentieth and Morrison streets real estate should be bought and sold on the basis of its productive value in normal times. So believing. I think the realty broker and the Assessor can readily work in harmony if they keep in mind the two following points: First The selling price of land, when not speculative, is nothing but the annual rent or product capitalized at the current rate of interest, after the general taxes have first been paid. Second Taxes when equitably levied are paid out of income and not out of capital. Ksisentiala Arc Lost to Sight. In the rapid development which has taken place in the past 10 years we have been prone to lose sight of the two ess2ntiuls above referred to. Heal estate in Portland is in no worse con dition than it is in the general run of cities in the United States, but it is a fact that bona fide investors have been scared out of the city by high asking prices. It is also to be noted that prices and taxes have had a tendency to dis courage the small home owner, who of all people in the community out to be encouraged. Perhaps here as elsewhere the future has been to some extent sac rificed in an effort to do too many big things at once, forgetful of the fact that the payday always comes. But the past is behind us and the problem now is to carry on the necessary public work without further sacrifice of the future. If I were to name the best meet ing ground for realty broker and As sessor I would repeat that real estate should be bought and sold on the basis of its productive value in normal times, that such value should be reflected in the assessment rolls for purposes of taxation, and that the substantial real estate man and the Assessor should be in accord on the question of the ap proximate correctness of those values. Double Base Idea Criticised. I am satisfied that such a method would be beneficial to. the community at large, that it would be acceptable to investors of all classes, and that in the long run it would be better for the real estate broker. There may be quick and large profits in selling a piece of land in 1915 for what it may be expected to be Worth in 1925, whereas it is as sessed on the basis of its actual value in 1915, but it is not a healthy con dition. There should not be in the minds of the realty broker, the inves tor or the Assessor one basis of values for taxation and an entirely . different and higher basis of value for selling. Another thing in which the real es tate man is directly interested is a fairly steady millage tax within a given taxing district. The Assessor has noth ing to do with this except to extend the taxes on the roll." While millage rates do not tell much, a fairly con stant rate would be desirable in that it would give people at least a general Idea of what percentage of their in comes is appropriated for public taxes. A study of tax rates for all purposes in Portland tho past 50 years is inter esting Interest In Budgets Sought. Only on two occasions had the rate been the same for consecutive years these were 1S7S and 1S79, when the rate was 27 mills, and 1903 and 1904, when the rate was 40 mills. In the period of 1S65 to 1S74, the rate varied from 25 to 34 mills and averaged at 29.41 mills. In the period of 1S75 to 1884, the rate ranged from 20 to 31.6 mills and averaged at a little short of 27 mills. In the period of 1885 to 1894 the rate ranged from 24.1 to 32.45 mills, atjd averaged at 28.76 mills. In the pe riod of 1895 to 1904, the rate ranged from 24 to 40 mills and averaged at 32.07 mills. In the period 1905 to 1914. the rate ranged from 14.2 mills to 27 mills and averaged at 20.15 mills. All references to years are years of the assessment and tax roll. Another way in which the real estate man can help the community, if not the Assessor directly, is by taking an interest in public budgets and by en couraging others to do the same thing. Public expense means taxes, and taxes have an intimate relation to the sell ing value of property, because they are capitalized and deducted from the gross value of the property. RANCH BRINGS $50,000 PROPERTY FORMERLY OWNED BY JAY BOWERMAN AOAIX TRADED. C. E. Bolds Takes Title to 1950 Acres, Giving Home on Tualatin and ' ' Other Houses. The former Jay Bowerman ranch of approximately 1950 acres of wheat, sit uated near Olex, Gilman County, was sold last week to C. E. Bolds. of the Portland realty firm of Grussi & Bolds, at a consideration understood to be in the neighborhood of $50,000. The sale was handled through L. K. Moore and the Lueddemann Company, who sold the same ranch several months ago i for Mr. Bowerman to J. L. Smith. Nearly all of the ranch is under cul tivation and it is equipped thoroughly with stock, buildings and machinery. Mr. Bolds left yesterday for the ranch to look after the seeding of new crops. As part of the purchase price Mr. Bolds gave title to 40 acres and an at tractive Summer home located on the Tualatin River not far from Portland, a Piedmont residence, placed in the trade at a valuation of $8500, and an Irvington residence, traded at a value of $9000. He also assumed an existing mortgage of about $15,000 on the ranch. 00 HOE SOLD Mrs. W. A. Gordon Sells to C. A. Burkhardt. SMALL DEALS NUMEROUS Fred Sechtein Transfers Three Par cels for $58,500, City to Sell for Taxes 2 8 Lots, and 10,00 0 Acre Project Jieported. The outstanding transaction of the week in realty circles was the sale of Mrs. W. A. Gordon's palatial residence and grounds on Portland Heights to C. A. Burkhardt, general manager of the Alaska Fisheries Company, at a re ported cash consideration of $30,000. Both principals were represented by Ivan Humason. The sale involves the transfer of nearly four acres of ground on the north side of Montgomery drive, near Twenty-second street. The Gordon resi dence was erected three years ago. The first two stories are of brick and the remaining portion is of frame. The building contains 12 rooms and a large ballroom in the attic. The ground slopes gradually to the north, with many beautiful winding paths. Much of the natural growth, in cluding dogwood and maple trees, has been preserved and shrubbery has been planted to supplement the landscaping. Mr. Burkhardt already has plans un der way for the construction, of a ga rage to match the residence and will make further improvements to the place in the near future. East Flanders Street Home Sold. Through the agency of F. E. Taylor Company, F. L. Uurfey last week sold a modern residence at 1137 East Fland ers street to Edwin Foster, traffic manager of the Willamette Valley Southern Railroad. The price paid is understood to have been $6000. IrvlnKton Home Bringrs (7300. G. L. Brown, an Irvington builder, last week sold a newly-completed eight-room Dutch Colonial residence lo cated at 521 East Twenty-fifth street North, near Brazee street, Irvington, to F. L. Beal, manager of the St. Helens Creosoting Company. The sale price was $7500. Simultaneous with this sale Mr. Brown commenced the erec tion of a $6500 residence on the corner adjoining. Alberta Street Bulldlns Sold. A two-story and basement frame and cement building at 846 Alberta street containing a large storeroom on the ground floor and two flats upstairs was sold last week by L. E. Symmons to Charles Milo for $3500. paid all in cash The deal was handled by Stanley S Thompson. The building covers a lot 50 by 90 feet. Mock's Bottom Offered City. The Port of Portland Commission last week received a communication from Percy H. Klyth offering Mock's Bottom for sale at $360,000. The property in cludes about 400 acres opposite Swan Island and below the plant of the Port land Flouring Mills Company. It is suggested that the property might be used as a dumping ground for dredged material. Recently Swan Island was of fered to the Commission for $300,000. Both proposals will probably be con sidered by the Commission October 14. Several Small Sales Recorded. O. P. B. Armfield and associates have taken title through J. S. Black to lot 11, block 2, Caroline Addition. A consid eration of $1250 is cited in a deed trans ferring title to lot 14, Houston Acres, from C. J. Littlepage to L. J. Fenton. For $1400, Ferdinand Lange has deeded LAURELHURST IS SITE .-.... RESIDENCE OP i t lit i t re 4 XSXW 7 SsSaai ! lot 4, block 65, Vernon, to Margaret L. Taylor. Sheriff Transfers Fonhan Lot. G. C. Morris took title through Sheriff Hurlburt last week to a lot on the east side of East Thirty-third street near Junker street, in Foxchase Addi tion. The deed cited $2539 as the con sideration. Two S.1.00 Sales Closed.' According to a deed filed at the Courthouse last week Benjamin A. Gif ford has sold lot 7. block 24. Rose City Park, to D. Derthick for $3500. The same consideration was quoted in a deed transferring title in lot 21, block 7, Park View Replat, from R. A. Wilkins to Mary J. Walker. Hoyt Street Corner Deeded. Two lots at the southeast corner of Sixteenth and Hoyt streets have been transferred by Mary Richet to E. J. Hy land. A nominal consideration was cited in the deed, filed last week. City to Conduct Flrnt Sale. The first sale to be held by the city to satisfy delinquent interest and in stallments on bonded street and sewer assessments has been arranged by City Auditor Barbur to be held next Thurs day, when 28 parcels will be offered for sale. Other sales will be held later. S000 Sale Is Reported. The Joseph Herald reports that Ces ser Gasper has paid Hayes Kernan $8000 for 130 acres of land south of Joseph. The place was owned formerly by Jess Marr. Sell wood Corner Is Sold. Two lots on the north side of Clack amas avenue between East Tenth and East Eleventh streets have been sold by Mr. and Mrs. W. II. Myers to W. A. Blakeley and associates for a reported consideration of $1300. lO,0O0-Acre Project Planned. Plans have been prepared by the Co lumbia Agricultural Company, which has already reclaimed 6000 acres of delta land along the Columbia River near Clatskanie, for the reclamation of approximately 10,000 additional acres. Robert Lee Ringer has been commis sioned to construct a concrete tide gate that will contain about 700 cubic yards and that will cost approximately $10. 000. The company dredge is already at work. Valuable Land Deeded. Three parcels of property, reported by the deeds to be worth $58,500, were transferred last week by Fred Sechlem to the Sechtem Improvement Company. Property on the east side of Sixth street between Everett and Flanders street was transferred at a considera tion of $30,000: a lot on the northeast corner of Grand avenue and East Burn side street was valued at $25,000; and four lots on the northwest corner of Dakota and Macadam streets were quoted at $3300. 14,000 Ranch Sale Reported. At a valuation of approximately $22 per acre. John Wells has sold a full section of land in Sprague River Valley, described as in township 36 south, range 14 east. The buyers are Edward and George Bloomingcamp, of Bly, a place near Klamath Falls. Mill Property Goes for Mortgage. As a result of a court decree folow ing a suit to foreclose a mortgage for $1,250,000 the entire properties of the Wendling-Johnson Lumber Company, in Douglas and Lane counties, have been purchased by the bondholders of the Michigan Trust Company at a con sideration of $1,050,000. The sale in volves a large tract of fir timber near the mouth of the Siuslaw River and a large mill at Acme. Sheriff Deeds Two Properties. Through Sheriff Hurlburt the Con solidated Investment Company received title recently to the western half of two lots or the southeast corner of Umatilla avenue and East Fourth street. A Sheriff's deed was also' given in the transfer, to Jacob Bozemer of two lots and a fractional third lot in Fruitvale. Morton to Have Sew Building. MORTON. Wash., Sept. 25. (Special.) Postmaster J. M. Jones has the lum ber on the ground and has let the con tract for the erection of a building to take the place of one he lost in the recent fire in Morton. The new build ing is to adjoin the postofflce. OF ATTRACTIVE HOME. '.TW.v.ii -v. ; yysr-Wfr-.-- t -.iZ s. R - II. TCRREY. : WW-. -.2 Realty Board Committee Has Plan to Attract Commend able Enterprises. BENEFIT TO CITY IS AIM Xanies of 3 4 Prominent Citizens Arc Brought Up Among Applications for Affiliate Memberships. Meeting to Be Friday. Who knows of reliable manufacturers who with to establish a legitimate fac tory enterprise in Portland? The members of the Portland Realty Board, particularly the factory sites committee of that organization, of which L. W. Cronan Is chairman, have a number of desirable factory sites in view that the respective property own ersers are willing to donate to com mendable factory enterprises. "We have been working mighty hard on this question but we have met with the hearty co-operation of almost all property owners." reported Mr. Cronan at last Friday's meeting of the Board. "The large property owners stand will ing to give land for the location of factories that will utilize our raw ma terials. The Chamber of Commerce is entering into the spirit of this cam paign in splendid shape and we will undoubtedly- be able to report definite progress shortly. "Mind you. we do not want to at tract any enterprises but those which will add to Portland's payroll and be a credit to this community. If pos sible, we wish to locate factories that will help to bolster the Portland lum ber market and bring back good times to all the allied industries of Port land " The special membership committees of the Board reported the applications last Friday of 34 prominent Portland citizens who desire to become affiliate members of the Portland Realty Board. This number is in addition to the 47 affiliate members who were announced the week preceding and who were voted in Friday in a body under an order suspending the rules. In two weeks the committees obtained the memberships of 81 affiliate members and the plan is to increase the num ber to 100 before the committee is honorably discharged from duty. Among those whose-names were read for the first time last Friday were: William D. Wheelwright. H. 1 Pittock, A. E. Doyle, Ilurh Hume, Fisher-Thor-sen Company, Sherman-Clay Company, the Ladd Estate, the Meade Estate, the Blumauer Estate, Jennings & Co., John H. Burgard, O. E. Heintz, John S. Beall, I. B. McBride, A. H. Averill. Charles R. Frazier, the Owl Drug Com pany, w. E. Ayer and Dr. Andrew C Smith. Instead of holding the regular noon luncheon meeting next Friday. the Board will hold an impromptu gather ing that evening in the rooms of the Chamber of Commerce. Portland Firm Gets Bin Contract. The contract for the construction of the group of state buildings to be erected at Medical Lake, Wash., was awarded last week to the firm of Boya john & Arnold, of Portland, at a con tract price of $227,000. which was the low bid among 20 proposals. S. c. Erickson. of Tacoma. obtained the award for the construction of the school for the blind to be built at Vancouver. His bid was $58,695. Prominent Architects Comins- F. A. Naramore, chairman of the en tertainment committee of the Portland chapter of the American Institute of Architects, is preparing plans for the reception of a group of 30 or 40 archi tects who will arrive in Portland Octo ber 3 on their way to San Francisco, where the directors of the institute will hold a special board meeting. At the head of the delegation will be the in stitute president. It. Clipston Sturgis, of Boston. The party will not depart until the morning of October 5. While here they will be driven over the Co lumbia River Highway and dined at one of the roadside taverns, driven over the favorite drives in and about Port land, will be given an opportunity to inspect a typical Western sawmill and will be dined at the Waverley Country Club. EI Tovar Gets ftlOOO Cottasc. Brong Company took out a permit last week for the construction of a one-story frame cottage at 403 Staf ford street, in El Tovar Addition, at a cost of about $1000. The work is in charge of F. C. Barnehoff. Church Repairs Cost 1000. The officers of the Third Baptist Church have ordered extensive repairs to be made to their building at 256 Knott street. The estimated cost of the work is $1000. Ilulldrr Starts Four $lHOO Homes. W. J. Hallock. an active builder, took out building permits last week for the construction of four one and a half story residences in Crestview Addition. They will be located at 17S0, 17S4 and 17S8 Sandy Boulevard and at "IS East Seventieth street. Each of the new dwellings will cost $1800. Six One-Story Houses Started. Among the numerous building per mits issued at the City Hall last week six called for the erection of one story frame residences. For the Powell Valley Trust Company. Reed Brothers have started a $2200 home at 36 Meikle Place. Laurelhurst; Eli Simonsen has begun work on a $1200 dwelling at 1130 East Twentieth street. North, in Vernon Addition: Edward Kurzet has commis sioned Homer Granger to build a $1300 cottage on Minerva street. Central Park Addition; Niles O. Eklund has started a one-story frame residence at 438 East Fifty-fifth street. North. Elmhurst; Mrs. D. X. Lash has directed S. J. Cham purney to build a $1500 bungalow at 68S Leland street,, in Colonial Heights, and C. A. Hoy has commenced the erec tion of a $1500 dwelling at 1737 Divis ion street, in Vail Addition, for H. Vail. Boller-IIouse Will Cost 93000. The Shell Oil Company took out a building permit last week for the con struction of a brick boiler-house on its property at Willbridge, near the Linn ton road. The estimated cost of this minor work, which is but a part of a $500,000 improvement project, is given as $3000. Permit Given for "Taxpayer." Officers of the Lewis Investment Company obtained a permit last week to construct a one-story store building on the northwest corner of Thirteenth and Washington streets. The structure will be in the nature of a "taxpayer" and will cost about $10,000. The con tract has been let by the architect, David C. Lewis, to the Friberg-Mc-Lennan Company. $,000 Building Plans Progress. Architects Sutton & Whitney have completed tentative plane for the con struction of a two-story brick automo bile store to be erected on the north east corner of Davis street and Broad way for the occupancy of the Pacific KisselKar branch. The plans have gone to San Francisco to receive the O. K, -of W, Lk Hughson. The lease of BY TIE INSURANCE EDITOR. TIME' invariably destroys the fitness of five thoughts of men. It was Martin Lttther, the great leader of the German rformation, who said, "Lord God, I thar.dlc thee that thou hast been pleased to make me a poor and indi gent man uion earth. I have neither hcuse nor lar.vl nor money to leave be hind me." In Luther's tiVne there may have been no disgrace to iVe in poverty and leave nothing upon wjiich his family could subsist. However, the reformer's prayer is not in keeping with the highest ideals of the present day. It was probably Jiis intention to dis credit the actual walue of wealth in the eyes of his people and to em phasize the fact tha.t even though he be poor -on earth tlxis poverty would be rewarded with riches in the king dom to come. But what of his favmily who were compelled to continue t'Jieir earthly ex istence in poverty? Hisf.ory informs us that when Luther .died hv! left his wife and. four children starv.ing and des titute. Yet in the very foundation upon which he based the grel t Lutheran doctrine the Holy Bible which he him self translated into Germaun, we find the passage which says, "It" any pro vide for not his own, ami specially the corner was arranged throsugh H. G. Terry. The building will crxst about $25,000. The same architects have drawn plane for the frame buildings to be built adjoining the Armory building for the use of the Manufacturers' and Land Products- Show. Both buildings will be of the one-story type and will cover ground areas of 75x260 fec and 30x80 feet. Two Bunaralows Commenced. Representing B. Pardete. the -contracting firm of Stick & Johnson has started the erection of a $1500 bunga low at 10S7 East Twenty-fifth striet North. L. D. Jackson has directed Homer Granger to build a $1000 bunfni low on Burr street, in Marengo AddV tion. Contractors Will Re Selected. Jacobberger & Smith, the architects chosen to draw plans for the proposed $30,000 building to be built by Gay Lombard for the Oregon Motorcar Com pany, at the southeast corner of Park and Davis streets, will invite selected contractors to submit proposals for the work. The plans will be ready for figures some time this week. The building will cover a full quarter block. Glafke Building to Start Soon. Plans will be completed probably this week for the two-story brick produce warehouse to be built on East Third and East Alder streets for W. B. Glafke. According to the estimates placed by the architects. Camp & DuTuy. the cost will approximate $30,000. Viaduct Will Cost 953,000. Plans have been completed by the city engineering department for a con crete viaduct to be built on Union avenue, from Bryant street to the Co lumbia boulevard, across the tracks of the O.-W. R. & X. railroad, and bids will be invited shortly. The viaduct will form part of the approach to the interstate bridge; the Portland Rail way, Light & Power Company will pay part of the expense, which is estimated at $53,000. Contract Awarded for $20,000 Home. The general contract for the con struction of the $20,000 three-story resi dence to be built for Gordon Voorhies at . Golf Park, has been awarded to Davis & Oppenlander and the plumbing contract to Thomas D. Maddocks. The plans are being drawn in the archi tectural office of David C. Lewis. Repair Contracts Are Let. Anton Tellar has received the gen eral contract for the alterations to be made to the building of the Blaesing granite works at Third and Madison. The plate glass will be furnished by the Central Door & Lumber Company. The plans for the remodeling were drawn by Emil Schacht and call for an expenditure of about $4000. Hclshts Home to Cost About SMOOO. What will become the residence of Mrs. If. E. Starett, formerly of Chicago, will be completed and ready for oc cupancy in about 60 days. The loca tion is on Sherwood Drive, toward the gulch from the W. S. Dinwiddie resi dence, mid commands an unobstructed view looking toward the river. The residence is of the English type and will cost aiout $8000. In addition to the main rooms on the two lower floors there will be three rooms in th third-floor attic. A fea ture will be the sleeping porch and the view porches. The architect is John V. Bennee and the builder M. W. Lorenz. Club IMans to Rebuild. Officials of the Portland Golf Club have announced that the club building near Raleigh Station, which was re cently destroyed by fire, will be re built, but the definite announcement of the building plans has not yet been made. A building1 committee has been delegated to look after the details. Gas Company Spenda UOOO. The Portland Gas Sc. Codte Company has commissioned George Langford to erect a one-story reinforced concrete compressure plant near East Eleventh and Division streets. The structure will cover a ground srpace of 31x41 feet and will cost about $t0u0. Rend to Get Brick. Gtraxe Building;. George F. Hoover, ag-ent for the Ford car at Bend, has commenced the erec tion of a brick garage building on a 50xl00-foot lot near tho Oregon Hotel, on Greenwood avenue. The structure will be of fireproof consatmction. Zoo BulldlnKs Will Cost I00O. Purchasing Agent Wood, has been di rected by the City Council to invite bids for the construction of sheds to be built in Washington Park far the shel ten of the city buffalo anrt elk. The estimated cost of the work is, $1600. Plana Are I p for .0,OOO Sewer. Plans are virtually completed for about $50,000 worth of work n the re construction of the Tanner crrtek trunk sewer and for the replacement of such pipe as is in need of repair. The work MURPHY BED ANNOUNCEMENT The Murphy Door Beds may be seen on display at the Simmons. Manufacturing Co.'s Warehouse, 17th and Thurman streets, Port land, Or. We will announce later the permanent address of our display room. For information call or write the Simmons Manufacturing ' Company 17th and Thurman Streets Telephones Marshall 437, A 4371 for those of his own house, he is worse than an infidel." t'ndoubtedly no Christian leader or reformer of the present day would be justified in offering such a prayer. That is, if there were persons aenen dent upon him. The world respects a good provider one who realizes that it is his sacred duty to make provision against poverty for his family. It has been said that poverty is no disgrace to a man. but that it is con foundedly inconvenient, also fhat it is a wicked woman's tempter, a good woman's perdition, a proud woman's curse and a melancholy woman's hal ter. Surely no fair-minded or home loving man desires to leave the mother of his children unfortified against the attack of this monster. Poverty is the mother of crimes arid want is the father of them. You have only to scan the news columns of the daily paper to learn that this marriage is prolific. Poverty is the only load which is the heavier the more lovel ones there are to assist in bearing it. Poverty is the one weak link in tho chain of American civilization and it may be that in life insurance we have found an answer to Luther's sacrifice. Life Insurance is one force with which to combat poverty. It is one great human power that will help to eliminate the weak link from this great chain. involves a considerable portion of the business and warehouse district of tho West Side. St. Johns Is Site for ftlSOO Home. M. F. Sloan obtained a building per mit last week for the erection of a one story frame cottage to be constructed on the north side of Hartman street, near Central avenue. tt. Johns. The contract has been let to J. H. Dalbow for $1800. Home Started on Brazee Street. Pursuant to plans designed by W. v Woodworth. G. L. Brown has begun tha erection of a two-and-a-half-story frame residence at S03 Brazee street The probable cost of the residence is given as $6500. Bungalows Will Cost flT.OO Kacb. S. S. Kingery has started work on a one-story frame dwelling, to be built for Frank Stainor at 1334 Corbett street, to cost $1500. L. C. Pheaver wilt spend a similar sum on a one-story cottage which R. F. Doty has under way at 3301 Sixty-second street. Council Crest Home fonts -."iOO. For K. Gilbert a two-story frame Tesidence has been started at 1037 Hillsdale avenue. Council Crest. It will oost about $2500. The plans were drawn ly G. 1'. Dunham and th contract has Iveen awarded to K. C. Oberle. Holladay Park Gets l.'.OO Residence. Following plans drawn by 1". E. Bow man & Co., a two-story frame rcs'dem e is being constructed by Cont r.n-tor A. It. Rice at 6S6 Clackamr.s trc-t. in Holladay Park Addition. Tin- owner i3 Mrs. J. M. Barry. sevkkaij m'ii.iit;s i. i:sr.n Wliodesalers Tuke I-i;L?-l Morrison Street Properly. The following leases wore closed last week through the Stanley S. Thompson Company: Store room on the northeast corner of Broadway and Everett streets, to the Storage Battery Service Company, by Cord Songstake, owner. No. 36S-370 and 372 East Morrison street to L. C. Davidson & Co.. by Mrs. Mary B. Knowles, owner. The entire premises will be used for wholesale and retail crockery and glassware. No. 245 Grand avenue, a large store and basement leased by H. Heitkemper to J. M. Wesley, an Eastern man re cently arrived in Portland, who is tak ing the premises for the manufacture of mattresses and pillows. No. 594 Alberta street, store room, has been leased to K. L. Duncan by Mrs. Mary T. Howard, for grocery store and meat market. No. 47 Grand avenue, leased by Sol Hart to Hodges & Glover, manufactur er's agent. This is a small store room in a cement building. Vancouver Apple Tree Sijflit Xovel, VANCOUVER. Wash., Sept. 25 (Special.) The unusual sight of buds, blossoms, green apples and full ripe apples can be "seen on an apple tree growing on the grounds of W. A. Davis, 1505 B street, in this city. Directors of Prominent Life Insurance Agencies Members of Life Underwriter Aisociation of Oregon Wm. Goldman, Manager. MANHATTAN LIr'li. li. Colton, Manager, MASSACHUSETTS MUTUAL. LIFE, Chamber of Commerce Blag. K. Lb Harmon, Manager, l-ENN MUTUAL. LiFt:. Northwestern Bank lildg. Horace Mecklem, Manager NEW ENGLAND MUTUAL. LIFE. Northwestern Hank Bids. Alma 1. Katz. Manager. MUTUAL, LIFE INSURANCE CO. OF NT. T. Corbett Bldg. G. M. Slocum. Mgr. RELIANCE I.Ib'E INS. CO.. Pittsburg, Pa. COS Mcr&an Bldg., Portland, Or. fa. P. LoekwooJ, Vice-Prea. and Gen. Mgr. COL.UMHIA LIKE & TUUST CO., 2U2 Slevons Bldg. Pettis-Gro.?mayer Co.. General Agenta, THE TKAVELEKS' INS. CO.. 300-310 Wilcox Bldg E. W. Amesbiiry. Manager. NORTHWESTERN MUTKAL, 1.1KK INS. CO. Northwestern Bunk Uldg. Western Oregon Acency, t'OLI'MiilA LIKE & TKl'ST CO.. Ftlls Bl!3. Gen. Agts.. 104 Stevens Bldg. BUILDERS' SUPPLIES and HOME SUGGESTIONS A J.C. ENGLISH CO. LIGHTING FIXTURES EL Irvlnjc and Union Avenue. Factory to Consumer. Phones E 14.".. C tGO. Phone Main 1005. THE Morgan Wallpaper Co. WALLPAPER 213 rvontl Street Ktnr Salmon Street- There Is a Good Paint House in Portland TIMMS, CRESS & CO 1 S4 Second Street