The Tobin Clark Estate

At the Estate,  Syrie’s crowning glory were the Music Room and the Library. The Music Room, which is 55 feet long and is crowned by 15 foot ceilings with exquisite three dimensional decorations, features antique parquet-de-Versailles floorings, triple gold-gilt moldings, matching fireplaces, Bay Windows and French doors leading to the Grand Terrace was an example of her extraordinary work.  You will notice that it has all shades of white.

The Library is where she brought in dramatic colors of green.  As you walk into The Library you discover pine carving attributed to Grinling Gibbons, woodcarver to St. Paul’s Cathedral under Sir Christopher Wren, and matching eighteenth-century pine bookcases.  This room is featured in Helen Comstock’s “100 Most Beautiful Rooms in America.” And, as you peruse the book you will find several of the rooms listed were designed by Syrie Maugham.

Born in London in 1879, Syrie opened a shop on Baker Street in 1922. As her reputation exploded, she took on interior decorating projects in Palm Beach and California.  The expansion of her design business caused her to open shops in Chicago and New York.  The prices for her pieces were high.  Victor Afia is credited for say, “She knew what she could get away with.  It wasn’t the stuff so much as her talent she was charging for.”  And, Celia Tobin Clark spent a fortunate over the next several years with Syrie as her guide.  In the 1930’s Syrie would say to Celia, “If you don’t have $10,000 to spend today don’t bother.”

Furniture was Syrie’s specialty.  As you wonder through the Tobin Clark Estate, your breath will be taken away with the French provincial antiques and accessories from all over the Continent, plus her own designs.  Each of them receiving the ‘Syrie treatment’. They were pickled or stripped, painted, or finished with a secret craquelure technique. “Cut it down and paint it white,” she would order her craftsmen.

The extraordinary rooms she designed and decorated influenced almost every interior designer, the most notable being –  de Wolfe, Jean-Michel Frank and Frances Elkins.  However, after Syrie closed her shop in New York in 1932, it was Rose Cumming who offered the finest tribute from them all.   It was suggested that Rose take on filling the white furniture gap left behind by Syrie’s exit.  Rose said, “No, white was always Syrie’s.

Syrie Maugham’s interior design has lived on for more than sixty years at the Tobin Clark Estate.  The Hillsborough Mansion with the unassuming name “House-on-Hill”, is still regarded as one of the most spectacular private residences ever created, and one that is certainly without peer in its fine antique English Cotswold style.  Once in a lifetime one is able to acquire a true architectural masterpiece.  That opportunity has now arrived.

For a private viewing of this 35,000 square foot mansion nestled on 6-acres, and host to Presidents and World Leaders,   CONTACT US TODAY. Only fully qualified buyers need to inquire.  The Estate is offered for sale at $29,000,000.  Until next time…Jim Walberg.

Related posts:

1. Tobin Clark Estate: Historic Tobin Clark Estate Host to Presidents and World Leaders
2. The Tobin Clark Estate: A Once In A Lifetime Opportunity For $29 Million
3. The Tobin Clark Estate: David Adler – Architect’s Crown Jewel of San Francisco Estates

The Tobin Clark Estate

David Adler graduated from Princeton in 1904.  And, similar to our oldest son, after graduation Adler travelled extensively in Europe studying all of its varied architectural styles.  He returned to the United States in 1911 and began his illustrious architectural career.  In the late 1920’s Celia Tobin Clark contacted Adler with her dream of building a Cotswold mansion.  She was very involved in every aspect of the design and the building of her breathtaking estate.  Because of Adler’s time spent in Europe, he loved the building materials and the craftsmen of the Continent.  The description of what Adler created can only be appreciated by a firsthand tour.  It is a gift to spend a day at the estate and noticing every little detail of what has been created.

For example, as you enter the hand carved front door you are standing in the gallery with a floor that is marble, laid without mortar, point to point, to create a deep pattern of optical illusion. The walls are dowel-joined Jacobean paneling, purchased through Stair and Andrew in London. Eighteenth-Century English oak surrounds the gentleman’s cloak room, where special shallow cupboards were fashioned to hold shaving mugs. For the master sitting room, the owner and architect chose oak paneling, circa 1724, from Royal House Cononley; and the chandelier, constructed a few years later, is Waterford, purchased from a descendant of the actor Edmund Kean. Pine carving attributed to Grinling Gibbons, woodcarver to St. Paul’s Cathedral under Sir Christopher Wren, and matching eighteenth-century pine bookcases grace to library, which is featured in Helen Comstock’s 100 Most Beautiful Rooms in America.

For more than sixty years, the Hillsborough Mansion with the unassuming name “House-on-Hill” has been cited as one of the most spectacular private residences ever created, and one that is certainly without peer in its fine antique English style.  After its construction, full-grown trees were transplanted from as far away as the Monterrey Peninsula, rose terraces and formal courtyards were laid out amid the oak groves and lawns, and multiple-trunk olive trees were pruned to dip low over matching reflecting pools set in a stone terrace. Completely by hand, an architectural treasure was built – all mellowed brick, Carmel stone and half timbers on the outside, with 35,000 square feet of honey-colored woods, silver, crystal, leaded glass and four hundred year old parquetry on the inside.

It has been written that for several years prior to building the Mansion, Mrs. Clark had been collecting ideas, clippings, photographs and other inspirations for her home. And it is known that during its somewhat lengthy construction, the estate pulled many local laborers and one failing planning mill right through the Depression. In two years alone, more than one million dollars was poured into the local economy, and at least three area firms were spared from bankruptcy.   Once in a lifetime an estate of this magnitude becomes available for sale.  That opportunity has now arrived.  The Mansion is priced at $29,000,000.  For further information contact Jim Walberg. Until next time…

Related posts:

1. Tobin Clark Estate: Historic Tobin Clark Estate Host to Presidents and World Leaders
2. The Tobin Clark Estate: A Once In A Lifetime Opportunity For $29 Million
3. The Tobin Clark Estate: Interior Designer, Syrie Maugham’s Finest Work!

In the 1920s, Mrs. Celia Tobin Clark, an heiress to the Hibernia Bank fortune, commissioned architect David Adler to create a Cotswold Tudor Mansion on a secluded hilltop of some 400 acres just south of San Francisco. Full-grown trees were transplanted from as far away as the Monterey Peninsula, rose terraces and formal courtyards were laid out amid the oak groves and lawns, and multiple-trunk olive trees were pruned to dip low over matching reflecting pools set in a stone terrace. Completely by hand, an architectural treasure was built.

Upon completion in 1931, the home was filled with interior decor by Syrie Maugham (wife of Somerset), paintings by Van Dyke and Sir Joshua Reynolds, Queen Anne paneling, eighteenth century Chinese wall coverings, a rare Dubois writing table and over two hundred other items sent from England and the Continent.  With a prized view overlooking San Francisco’s Lower Bay and the rolling landscape far to the west, ‘House-on-Hill’ now rests on a more manageable six acres, without the original Adler-designed sixteen-stall stables, ten-car garage and “laundry group”.  Little else, though, has been sacrificed, and the house remains quietly tucked away behind the espaliered magnolias and majestic pines of a cherished Hillsborough setting.

In the gallery, the floor is marble, laid without mortar, point to point, to create a deep pattern of optical illusion. The walls are dowel-joined Jacobean paneling, purchased through Stair and Andrew in London. Eighteenth-Century English oak surrounds the gentleman’s cloak room, where special shallow cupboards were fashioned to hold shaving mugs. For the master sitting room, the owner and architect chose oak paneling, circa 1724, from Royal House Cononley; and the chandelier, constructed a few years later, is Waterford, purchased from a descendant of the actor Edmund Kean. Pine carving attributed to Grinling Gibbons, woodcarver to St. Paul’s Cathedral under Sir Christopher Wren, and matching eighteenth-century pine bookcases grace the library, featured in Helen Comstock’s one 100 Most Beautiful Rooms in America.

The Tobin Clark Estate is now available for sale offered at $29 million.  For a private tour of the estate CONTACT US today – only fully qualified Buyers.  Until next time…Jim Walberg

Related posts:

1. The Tobin Clark Estate: David Adler – Architect’s Crown Jewel of San Francisco Estates
2. The Tobin Clark Estate: A Once In A Lifetime Opportunity For $29 Million
3. The Tobin Clark Estate: Interior Designer, Syrie Maugham’s Finest Work!

This magnificent 35,000 square foot estate, now on six acres,  evokes all the ambience and grandeur of another era.  Featured as a Decorator Showcase in the early 1990’s, this circa 1930 Cotswold Tutor mansion has been meticulously renovated with a superb level of fine craftsmanship, architectural design and interior finishes. Secluded from view behind classic wrought-iron gates, one enters the grounds of this estate through a dramatic lighted cobblestone drive into a large motor court with a spectacular stone fountain – a truly grand entrance for the most elegant of galas.

An elegant black and white marble reception foyer greets guests, with a carved balustrade staircase leading to opulent public rooms;  a banquet-sized formal dining room with carved marble fireplace and oversized French Doors leading to the Loggia and Grand Terrace; a cozy Library with 17th Century English paneling;  and the crowning glory, The Music Room.  This spectacular chamber, which is 55 feet long and is crowned by 15 foot ceilings with exquisite three dimensional decorations, features antique parquet-de-Versailles floorings, triple gold-gilt moldings, matching fireplaces, Bay Windows and French doors leading to the Grand Terrace.  The Music Room of Tobin Clark Estate is featured in Helen Comstock’s as one of the 100 Most Beautiful Rooms In America.

Other features of the Tobin Clark mansion include 9+ bedrooms, 11 baths, 11 fireplaces, main kitchen, service pantry and kitchen, super-luxurious master quarters, a VIP suite (host to Heads of State), a handsome Bar Room, separate Guest Apartment, Wine Vault, Exercise Room and a huge Recreation/Media Room. The property also enjoys a six car garage and state-of-the-art systems, including sound, lighting, security and intercom throughout.

Upon completion in 1931, the home was filled with interior decor by Syrie Maugham (wife of Somerset), paintings by Van Dyke and Sir Joshua Reynolds, Queen Anne paneling, eighteenth century Chinese wall coverings, a rare Dubois writing table and over two hundred other items sent from England and the Continent.  With a prized view overlooking San Francisco’s Lower Bay and the rolling landscape far to the west, ‘House-on-Hill’ now rests on a more manageable six acres, without the original Adler-designed sixteen-stall stables, ten-car garage and “laundry group”.  Little else, though, has been sacrificed, and the house remains quietly tucked away behind the espaliered magnolias and majestic pines of a cherished Hillsborough setting.

Now viewing the lights surrounding San Francisco Bay, the 6-acre grounds offer an oasis featuring a Grand Terrace, rolling lawns, pool with guest house, a balustrade Rose Garden and manicured formal gardens with statuary. The exquisitely landscaped grounds are also fully lighted, wired for sound throughout and completely secured and gated.  We would be glad to arrange a PRIVATE SHOWING for only the most discriminating and qualified buyer.  Offered at $29,000,000 US.  Until next time…Jim Walberg

Related posts:

1. Tobin Clark Estate: Historic Tobin Clark Estate Host to Presidents and World Leaders
2. The Tobin Clark Estate: David Adler – Architect’s Crown Jewel of San Francisco Estates
3. The Tobin Clark Estate: Interior Designer, Syrie Maugham’s Finest Work!

• Home Prices: We may still see some downward price adjustments in the $1 million-plus market by the end of 2011,  however the real estate sweet spot in the East Bay is still either side of $700,000.  Buyers are much more cautious in giving up a down payment because “cash is king” today.  WATCH for mortgage interest rates to stay low for at least the next four years encouraging Buyers to purchase homes.




• Home Equity: James Parrott, a top White House housing adviser said this week. “As the value of a family’s home has dropped the past four years, it can really go from a lever of savings to a drain on savings.” This has definitely chilled consumer spending as there is less and less discretionary funds in the families budget.  The Bay Area predictions are that we will have at least a 1.5% annual appreciation on home equity for the next four years.  WATCH for when this factor gets into the 4% range.

• New Home Construction: “With all of the economic turmoil, both domestic and international, there’s not much that points to an improving new home market at any point in the near future,” said Ara Hovnanian, chief executive of Hovnanian Enterprises Inc. - the U.S.’s seventh-largest builder.  WATCH for when the major new home builders breaking ground on their stalled product.  We will then be getting closer to the end of this economic downturn.  The health of the new home builders is critical to our country’s economic health.

• Home Rentals: In my 30+ years of serving East Bay real estate I have never seen such a “hot” rental market – from the low end to the luxury homes!  People have to live somewhere, and it is stressful! And, as people exit homes that area underwater they immediately move to the rental market.  East Bay rentals are at least 10% more expensive this year than even 2010.  WATCH for when home rental rates start to fall back to typical – $1.25 per square foot.

There has never been a better time for Buyers to purchase a home in the Bay Area!  Mortgage interest rates are at all-time lows, and there is not much left of price reductions with the core markets.  The challenge is still JOBS, and consumer FEAR.  With cash being “king” it is a big decision today for a Buyer to let go of a significant down payment for a home.  They are often afraid they may run out of cash with this crazy economy so paralysis kicks in.

Our task is to be the bearer of CORRECT information about our various micro-home markets.  If you just look at the Danville housing market, it is extremely healthy given there is less than 2-months of home inventory for sale today.  And, we still have less than 9% of the Danville home sales being either Short Sales or Bank Owned.  There are too many benefits to home ownership to not take action when it is such a great Buyer’s market.

If you would like a FREE equity analysis of your home, please CONTACT US TODAY.  It would be our pleasure to review your specific situation and provide recommendations for the appropriate steps to take in order to manage through these challenging economic times.  Until next time…Jim Walberg

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1. East Bay Real Estate: The New Normal – Five Key Factors!
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Even though the new loan limits will serve 95% of the home Buyer needs in the U.S., it will highly impact the housing markets in the Bay Area.  NAHB Chairman, Bob Nielsen confirmed, “The lower limits will place a constraint on home buying in high-cost housing markets, such as those along the coasts and in California. It is the last thing we need in a housing market that is still struggling to get back on its feet.” It will definitely impact the Luxury home market the most in the Bay Area.  So, why not buy a home today if you are planning to purchase one in 2011?

Under present Conforming Loan Limits, 8.32 million owner-occupied homes are priced above the existing FHA loan limits. Under the changes set to take place on October 1^st, an additional 3.87 million owner-occupied homes will be above the loan limit = a total number of homes ineligible for FHA-insured mortgages to 12.2 million.  This will make it even more difficult for families within the high priced regions to sell their homes, adding additional pressures on top of very challenging financial times.

When a Buyer purchases a home that goes above the new GSE limit, it will require them to secure non-conforming loans that currently have been about 60 basis points (0.6 percentage points) higher than conforming loans.  In addition, based on a report by the Federal Housing Finance Agency (FHFA),  the non-conforming mortgages are expected to be 50 (0.5 percentage points) to 75 (0.75 percentage points) basis points higher on their stated interest rates.

An economist at Capital Economics, Paul Dales, has a different opinion about the impact in the changes of this regulation, however with similar concerns to its negative outcome. “The scheduled reduction in conforming mortgage loan limits at the start of October is unlikely to trigger a further precipitous fall in house prices as some have suggested.  Nevertheless,  it certainly won’t help the (housing) market at a time when millions of households already can’t obtain a mortgage.”

Mr. Dales references the FHFA studies which find that the lower loan limits, “…will only affect 250 counties, or just 8% of the 3,000 counties in the U.S.…in 2010 the GSE’s provided just 50,000 mortgages ($3 billion) where the loan amount was above the new limits. That’s just 5% of all new mortgages provided by the GSE’s last year and 3-4% of new loans issued by all lenders.” What Mr. Dales doesn’t acknowledge is the impact it will still have on the higher priced counties that are within the 250 that are actually affected – many of which are in the Bay Area.

Mr. Dales continues with his opinion of the Conforming Loan limit changes by saying, “Those left on the outside of the loan limits will just need to get Jumbo Loans, even though they come at a higher price.” What Dales doesn’t mention is that Jumbo Home Loans come with even tougher credit standards.  Plus, they are already very difficult to obtain given the microscopic scrutiny of the Jumbo Loan marketplace.

Again, if you are thinking of buying a home in 2011 you should RUSH to your lender and Realtor to see if they can close the home loan and escrow before October 1^st.  CONTACT ME TODAY if you want to take action or if you need a referral to professionals to help you in your local community.  Until next time…Jim Walberg

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1. East Bay Real Estate: Home Loan Refinance Crisis – Difficult To Get A Loan!
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These three Bay Area regions are either 20% away from their 2007 home prices or are very close to what prices were in 2007, especially the Palo Alto area.  And, there is still a wide pricing gap just miles from each of these regions.  The working class communities that surround these three regions are still suffering – from East Palo Alto to Brentwood/Antioch.  East Palo Alto is down 62% from their highs in 2007, with similar numbers for Brentwood/Antioch.  The higher priced communities have had an easier recovery time since they did not have as dramatic price corrections the past four years.  We may be seeing the “new normal” for Bay Area home prices no matter what the location.

The additional challenge today for any Buyer is finding a lender to fund their mortgage.  With Banks changing how they qualify a borrower and making it very difficult for them, you have families that have the down payment to get into these Top 3 regions who are not able to meet the lenders’ new guide lines.  So, who is dominating the home purchases are all-cash buyers – almost a third of all home sales in these Top 3 Bay Area regions.  In addition, in the working class neighborhoods the all-cash Buyers are snapping up the $200,000+ properties because the rental markets are very HOT.  Today one can rent a condo for $1.40+ per square foot!  So, the investor can have their property cash flow day-one!

A bonus “tip” for a place to purchase a home in the Bay Area is Napa.  Case/Shiller is predicting that between 2011 to 2016 there will be an 11% growth in home values in Napa.  Napa had a severe crash after 2007 of 50%, however it appears Napa home prices are coming back with a bang, with projections of a 13.4% growth in 2012!  Let me know your thoughts on what is happening in your community.  Because we all know that real estate is local not National, no matter what you read or are told.  CONTACT ME for any of your real estate questions.  Until next time…Jim Walberg.

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1. East Bay Real Estate: 2011 – End Of The Housing Crash!
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The 2011 Luxury Home Marketing luxury seller results are not that surprising, however there are many Realtors who read these results and will need to reposition themselves to better serve this group of home sellers.  Here are the 2011 survey results.

1. Knowledge – The Realtor is knowledgeable as to who the Buyers are that would purchase a luxury home?
2. The Realtor’s current inventory -  The Realtor’s luxury listings confirms they are in this niche market.
3. Internet Skills – The Realtor has an active blog, a Facebook business page and a LinkedIn page.
4. The Realtor fully qualifies potential Buyers before an appointment is scheduled for them to tour the home.
5. Ability to be discrete – Being discrete about their personal information is a key requirement of luxury home sellers.
6. Luxury inventory knowledge – The Realtor knows the regional luxury home marketplace.
7. Has an understanding of the mortgage market and has referrals to top loan brokers.
8. The Realtor has a Luxury real estate designation.
9. The Realtor is associated with a National real estate company.
10. The Luxury home seller likes the Realtor – The seller believes they will have a good relationship with the Realtor throughout the process.

If you would like more information about this important survey for the Luxury Home seller, CONTACT US today.  We would be glad to speak with you about your specific questions.  Until next time…Jim Walberg

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The reason families and people are making the decision to NOT pay their mortgage is obvious.  Their home’s value is underwater with no near future hope for its value to reach what is owned on it for years to come.  So, people stop making their mortgage payments knowing that they will be able to live in their home up to two years or more because lenders have so much inventory already that they are not going to foreclose until some of it is sold.

This very long delay allows people to use their mortgage payment for items that allows them to get back into a healthy financial position with you and I paying for the Feds guarantee of any loses to banks.  It certainly does not seem fair to me, but it is the reality of what is going on.  How about this statistic from RealtyTrac?  Nationwide, foreclosures completed (REOs) in the first quarter of 2011 took an average of 400 days from the initial default notice to the REO, up from 340 days in the first quarter of 2010 and more than double the average 151 days it took to foreclose in the first quarter of 2007.  In New York and New Jersey it takes over 900 days!

It certainly does not seem fair to any of us that people are using their mortgage payment to better their financial position, actually using our money to do so. Remember the Feds (us) are guaranteeing every dollar lost by the banks from loans that are settled for less than the original loan amount.  What is happening with the practice of not making mortgage payments for up to two years and still living in your home as if nothing is happening seems completely wrong to me.  And, no matter if it is wrong, $50 Billion is being funded by us (Feds).

Here is today’s foreclosure reality as described by the CEO of RealtyTrac,  James Saccacio reported, “The first delay occurs between delinquency and foreclosure, when lenders and services are no longer automatically pushing loans that are more than 90 days delinquent into foreclosure but are waiting longer to allow for loan modifications, short sales and possibly other disposition alternatives,” Saccacio continued. “Data from the Mortgage Bankers Association shows that about 3.7 million properties are in this seriously delinquent stage. The second delay occurs after foreclosure has started, when lenders are taking much longer than they were just a few years ago to complete the foreclosure process.”

Now, my doom and gloom report needs to be put into perspective.  Remember, ALL real estate is local, not National.  In the East Bay’s San Ramon Valley, foreclosures make up less than 20% of home sales today, and it is one of the best times to buy homes in our region. However, we are seeing a new trend in the higher end price points – strategic foreclosures after the homeowner has purchased another property.  What this means is after they have their new home they just walk away from their original one. And, in one case, the homeowner sued the bank for loan fraud and created the agreed upon foreclosure as a “legal settlement of a law suit” so it did not affect his credit.  Strategic foreclosures are important to watch to see if it becomes a trend of luxury real estate owners whose homes are under water.  More to come on this topic.

CONTACT US TODAY if you want to become a Buyer or Seller.  Rates have never been lower, and home prices are holding steady.  If you are going to buy a home this year, please contact us today to begin the process.  Interest rates will rise before the end of the year.  Until next time…

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People who currently own homes are probably not very happy about how prices have significantly corrected in the past three+ years.  Sellers of homes are upset because of the price they have to sell their home for.  Buyers are even more upset because of the unbelievable hurdles required to secure a loan in order to even make a purchase. So, what would cause me to such a fan of buying a home today.

People who understand today’s real estate are buying NOW!

John Paulson is the manager of a hedge fund that made $20 billion betting against the crazy housing bubble.  Last Fall he said, “If you don’t own a home buy one. If you own one home, buy another one. And, if you own two homes buy a third one and then lend your relatives the money to buy a home.”  WOW! Great advice from a really smart guy.  Mr. Paulson and I do not believe that long term interest rates will get any lower.  Since his speech they have gone up .5% = 4.75% today. I believe interest rates at the end of 2011 could even reach 6% or more. So, if you are going to buy a home today buy it before June.

The asset you want during inflation is real estate!

We do not currently have inflation. However, with the economic policies in our country today, I don’t see how we can avoid it in the future.  China, India, and Europe are in the midst of fighting inflation today. We won’t be too far behind them.  Real estate is an asset that most people hold for seven or more years. And, it is an asset you definitely want during periods of inflation. It is time to make a home purchase before inflation starts so you can take advantage it when it comes.

The demand for homes is coming back!

In the San Ramon Valley, for example, the sought after community of Windemere has bottomed out and the $700,000 price range of homes has never been hotter for buyers.  Another example are the sales of luxury homes in Alamo over $1.5 million.  Those sales have increased in 2010 to 50 compared to only 37 sales in 2009.  People’s confidence in the market hitting bottom is starting to surface.  Another smart guy, Warren Buffet,  predicted the bottom of the housing markets in the U.S. would be this year.  I am certainly not Mr. Buffet, however I do agree.

Hopefully, my opinions regarding why to buy a home NOW will cause some discussions that will lead to actual purchases.  CONTACT ME TODAY for assistance with all of your real estate needs.  Until next time….

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