Timothy Toye & Associates Realtors



Bottom Left to Right: Rose Young, Valerie Tenneson, Sherry Marie, Kathleen Haskett, Joy Emry, Hannah Stephens
Top Left to Right: Janice Hodges, Kaitlyn Swank, Yvonne Jones, Timothy Toye, Michael Miserlian, Sheldon Appel, Joe Hulbert, Stephanie
Tinetti, Anne Baker

2009 Highest Average Production of any Lake County Realtor Team

Our Team Is On YOUR Side! 
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MichaelFernHeadshot.jpgMICHAEL FERN

Foreclosure/Short-Sale Specialist -Sellers & Buyers Agent

By the way.... are you looking for a foreclosure property in Lake County? Check out Michael's FREE foreclosure listing website. All of the foreclosures and short-sales in Lake County are listed there! 

Michael Fern understands Lake County Real Estate. He's invested in, and developed, numerous properties throughout the County over the years, and as such, has developed an in-depth knowledge of current property values and the local real estate market as a whole. Michael's also a foreclosure and short-sale specialist and is knowledgable in creative financing/no money down and "OPM" techniques. He has more than 20 years of experience as a consummate real estate marketing and business professional.
Michael created and established one of North America's leading national real estate marketing and advertising service providers, whose national clients include Coldwell Banker, Prudential Real Estate Remax, and Century 21, just to name a few.
Several years ago, he established a business relationship with Realtor, Timothy Toye, who acted as Michael's broker on many of Michael's purchase and sale real estate transactions over the years. Their business dealings soon turned into a friendship, and subsequently has become a successful real estate broker/agent relationship.
If you're in the market to either buy or sell a property, or if you're looking for a hot foreclosure or short-sale property, feel free to call Michael on his direct line at (707) 928-1995 or email him at Michael@teamtoye.com for a completely confidential, no-obligation conversation. You'll find him approachable, sincere, friendly and very trustable.

CLICK HERE to find out about how Michael works for YOU!
Michael Fern Real Estate License #01821806

Find out what Michael's clients are saying about him by visiting his
Testimonial Page .

baker.gifANNE BAKER

Experienced in Short Sale
I'm a proud mother of three beautiful teenagers. One has just left the next and is now attending UC Davis so I'm working hard to beat the empty nest blues. I've just relocated to Cloverdale where I''m living with my youngest son, Matt and a few miles from my oldest son Mark. Both are thriving here in this lush bedroom community at the Northern tip of Sonoma County, just below Mendocino County and Lake County, my home away from home. I lived in Lake County for seven years where I launched a successful real estate career built on compassion and an intense desire to help solve our current market crisis one home owner at a time.

I enjoy running immensely and when my son Matt announced he was going to be on the cross country team for Cloverdale High School I decided to move my home base to him. After all, I love driving the Hopland Grade into Lakeport in gorgeous Lake County and it's only an hour commute. There is virtually no traffic. Lake County offers Clear Lake, a bass fisherman's choice in California, stunning panoramic views and a sunny climate with about 10 days a year reaching 110's and 10 more slipping into the 20's. I loved the sun there and I loved running with my friends. But there was one run that beat them all and that was with my son Matt at the Lake County Park on Soda Bay. I decided then that I would move when Rebecca went off to University on September 17, 2011.

I know most of Sonoma County and have lived in Santa Rosa, Sonoma, and Petaluma, where I home schooled my three children for several of the best years of my life. We spent many days learning and exploring many of the local, county, and state parks throughout Sonoma County to the shores of the North Bay. I must admit, the libraries were my favorite destinations. Having young ones so close in age, I rarely made it beyond the children's sections though.

I grew up and left Los Angeles County at age 18 to attend Sonoma State University to study first English then Business. Though I've had my real estate sales license since 1993, my children came first and I set the license aside. In 2005 I picked it up again and learned the art of marketing with CPS Country Air Properties, a valuable education. In 2008 I moved to Timothy Toye & Associates, where Timothy Toye a master in the craft of sales, taught me to close transactions.

Short sales were a natural for me. I have empathy for the homeowner who just lost their job or their spouse, for the mother who was diagnosed with cancer, and for the senior whose social security was reduced by half. I understand the gas prices were more than some could bear so relocation was imminent. It all hurts and I want to help those who are willing to do something to help our nation get back on track. Sometimes I've encouraged my clients to press into a loan modification harder. Sometimes, I've suggested a client see an attorney who has advised against short sale. In the end, if a short sale is viable I'm ready for the next step and I'm ready to the end. I get along with everyone so I don't mind calling the negotiators and working out the many quirks and kinks that arise throughout the transaction. I don't mind working with the agent who has never done the short sale. I'm patient yet tenacious in closing. If there is help to be had through a short sale, I'm here to provide the experienced service. To find out more about a home short sale visit my short sale information Website at http://hosted.cdpe.com/148937.

You can reach me most quickly by email at ambakes@gmail.com second by phone at (707) 245-6090.

Click Here to see a short video about Lake County by Anne Baker

Find out what Anne's clients are saying about her by visiting her Testimonial Page

Anne Baker Real Estate License #01165299

JoyEmry.jpgJOY EMRY

Real Estate is Joy Emry's passion starting with Anthony School of Real Estate in 1979 to learn more about the Real Estate field and how she could enter it as an investor. Joy began buying and selling property, building and remodeling homes, developing bare land for resale.

Joy's background includes 14 years as an owner of Higher Grounds Landscaping. While working directly with contractors and property owners, she developed valuable business management skills, and sense of loyalty to her clients.

As of 2002 she became a licensed Realtor and an Accredited Staging Professional in 2004 applying her powerful staging techniques to prepare homes for sale.

Now a Rancher and Horse Breeder Joy has experience with rural and ranch properties. She enjoys the ambiance of small towns and is dedicated to being part of the community. Being a resident of Lakeport and an office in Cobb, working Lake County, along with Sonoma, Mendocino and Napa Counties, you can have confidence in Joys experience and skills to achieve your Real Estate goals.

Call Joy at (707) 486-9271, or email her at Joy@TeamToye.com

Joy Emry Real Estate License #01349572

Find out what Joy's clients are saying about her by visiting her Testimonial Page.


I've been selling homes in Lake County since receiving my license in 1998. I am constantly amazed at all of the unique and beautiful areas we have here in our county to explore and enjoy I especially enjoy representing Buyers when I can educate them about the process of buying a home and have helped hundreds to buy their first homes!  I have nicknamed myself a "research junkie" because I love to research homes until I am satisfied that I have found the very best deal that many clients can buy.  I am also a teacher at heart and love to educate my clients and make them feel they are very much a part of and understand every part of their purchase.  Buying a home truly is the American Dream and I gain a lot of satisfaction out of seeing my clients achieve that dream.  Throughout the years, I have developed a network of professionals that have consistently given my clients sound advice.  I kind of "adopt" my clients into my family and, like a protective mother, I demand the best treatment for them.  I see people at their best and their worst throughout the very stressful, but always rewarding process of buying a home and I make myself available at (almost) all hours of the day or night because I understand the pressure they go through and the many questions that are racing through their mind.  I encourage them to contact me often!  I am happy to say that I have had very few escrows fall through over the years.  I work hard to make sure that the transaction can succeed before I begin.  I love happy endings! Before joining TeamToye, I worked for Re/Max in Lake County for nine years, receiving many awards including: *2002 Presidents Club, Executive Club and Top Listing Agent of the Year *04 & 05 & 2006: 100% & Multi Million Dollar Club *2007 Multi Million Dollar Club & Feb sales agent of the month *2008 May sales agent of month & 100% Club award *2009 April sales agent of the month & Dec listing agent of the month I am a graduate of Realtors Institute and have the GRI designation.  I also have a certification in dealing with "Distressed Properties" - aka, short sales and REO's.  Though this market has been very sad in many ways, it is also the best time that I have seen since I received my license for Buyers to achieve their dream of home ownership!  The deals out there and the interest rates available are incredible!  Just as some believed the home values would only go up, many people will wait too long and miss the awesome opportunities available right now.  With the surrounding markets having a 20% increase in purchase prices and multiple offers being submitted on the best deals, now is the time for Buyers to grab onto the opportunities available to them!  When you are looking for an experienced, caring agent that will work to take the confusion out of the process and make you an active participant, call me anytime on (707) 272-2876 or email me at Yvonne@TeamToye.com .

Yvonne Jones Real Estate License # 01245211

Find out what Yvonne's clients are saying about her by visiting her
Testimonial Page .

Janice2103.jpgJANICE HODGES

“Where Owning Becomes Reality”

Specializes in Real Estate Investments, Wineries, Sustainable Communities, Farms, Collectives & Off-Grid Living. 

Janice Hodges brings to her real estate profession a diverse range of people skills and business experience over 30 years which serves her well in selling real estate in Lake County, where she absolutely loves helping people find their dream home, or helping them sell their current home and take the next important step in their lives.

Beginning with working with her father in his import export business in 1980 in Long Beach California where she learned valuable business and entrepreneurial skills, she has worked as a counselor in Mendocino County, sold airline tickets, opened a successful Child Care Facility, and worked as an investment consultant, as well as a tax preparer, all in Lake County. She holds bachelor degrees in both Business and in Psychology, with concentrations in finance, management, marketing, accounting & wine.

Janice has been involved in her spiritual and sustainable practices for many years now; living off the grid herself, she obtained a license in Permaculture just a few years ago. She has helped many people become more sustainable on their property, and understand the importance of sustainability and alternative energy practices, helping them ‘live off the grid’ by installing alternative energy sources, gray water systems, organic gardens and food forests. Janice is now in school to obtain her certification in Sustainability and Green Building Practices which she plans to incorporate in her Real Estate career.

In her first year in real estate, Janice was the top rookie in Lake County.

Janice Hodges Real Estate License #01882693
Click Here to see a short video  by Janice Hodges.


Valerie has been involved in some kind of Real Estate all her life. Her father was a Real Estate Broker in Kelseyville back in 1972. While attending Kelseyville High School she worked in her father’s R.E. office as an assistant in Appraising land and homes in the Lake County area. Later she sold Real Estate in Sonoma County. In 1990 Valerie and her family moved to Coeur’d Alene, Idaho and sold Real Estate there. Nine years later she moved back to Lake County, living back in Corinthian Bay with her family. In 1999 she took a break from selling Real Estate and home-schooled her two children while still managing some Real Estate investments.
Valerie loves the Real Estate business and enjoys working with the Team at Timothy Toye and Associates. She also loves Lake County and helping others find their dream home or investment property.

Valerie Tenneson Real Estate License # 00835382

Get in touch with Valerie at 707-481-2669 or valerie@teamtoye.com

KathleenAhartheadshot.jpgKATHLEEN HASKETT

I moved with my family to Middletown from Colorado in 1988. I graduated from Middletown High School and went into the Military. I served as a Military Police Officer in the CA Army National Guard for 4 years and received an Honorable Discharge. I continued to live in Lake County where I choose to raise my 3 girls. In 2006, I pursued my dream of getting my Real Estate License and I have been helping people get into homes of their dreams ever since. My children are all grown now and beautiful adults and I have been blessed with 3 grandchildren.
I bought a home with my now husband, Ron, in May 2015 on Cobb Mountain and we lost it to the Valley Fire but we have decided to rebuild and continue to keep Cobb as our home.

I love Lake County and its beauty. The community spirit in Lake County is truly a beautiful thing and it is a wonderful place to call home.  

Whether you are buying, selling or looking for that investment property, I would love to help you achieve that dream.

Follow Kathleen on Facebook! Kathleen Haskett, Realtor - Timothy Toye & Associates 
Ph: 707-262-2479
License # 01731615

Realtor 202596

A former IT project manager with a master's degree in environmental policy, Rose has been in Lake County since 2008 and has been building her real estate career since 2016, in "Team Toye's" Cobb and Lakeport offices. Rose appreciates the rural lifestyles, small-town connections, and breathtaking views available here in Lake County. 

She grew up on a farm in rural Kentucky and her hard-working ethic began there. Rose has always been interested in the details of home and place, and in her real estate work she pays close attention to the specific characteristics of a place or location that speak to what you and your family need in a home. There are so many different and unique locales in Lake County to explore, and she looks forward to helping you find your next home or property investment here.

Contact Rose Young 

Phone: 707-533-9433 

Email: Rose@teamtoye.com

©NickElias-TIMTOYE-071117-6703.jpgJOE HULBERT

Realtor 01979160

Real Estate has always been my dream. Now, I have the opportunity to live my dream by Relationship selling, Making new friends and helping them make the toughest decision buying their new home, as easy as possible.

After graduating High School in 1980 from Anderson Valley High in Boonville, CA.  I started off in construction. Mostly doing underground construction, building pads for hospitals and schools, and paving streets on HWY 101 in Santa Rosa. As well as, some carpentry. I was raised in the Mendocino County and raised my family there too. I was married in 1984 and had two beautiful children. This new change in life made me want to succeed even more. We all want to give our children more than we had growing up. I studied Business and tried to learn Spanish at the college of Mendocino in Ukiah. However, starting a family took priority and providing for them leads me into my new career, Auto sales. It wasn't Real Estate, but a great education to lead me too my goals.

In the early 90s I began selling in the auto industry at Thurston and to my surprise, I was leading our region in customer satisfaction responses within two years! The highest level that Toyota or Chevrolet had ever seen at that time. After a little extra training from a seasoned salesman, my sales shot through the roof. To set myself apart from the “car salesman reputation”  I was honest, even if the truth hurt. Plus a good follow up system. Following up is very important to me. The most important question is the question my clients ask. If I don't know the answer, I'll find the answer and get the information to them. I pride myself on honesty and communication, and believe that all people respect this, including myself. I had multiple awards, plaques and trophies, and In 2015 The Valley Fire took them all except the memories of my achievements. Twelve years as a salesman, two years as a finance manager and two years as a service writer.

With my experience I feel confident that I'm ready to help clients make the best decision when buying their new home. A home is where we plant roots and build a strong foundation to raise our family and watch our children grow. It’s to my belief that, our family is the most important thing in life so, the home that we raise our family in, is equally important. For these reasons, buying a home is the biggest decision we will ever make in our lives time. Buying a business is a big decision but, where our family sleeps safely and soundly is still the most important decision we will make.

I'm ready to help you make this decision, and make new friends along the way. Your success is my success. When you are ready, I'm here for you... 

Contact me at any time 707-272-9905 or by email at Joe@teamtoye.com




Sherry Marie heads up our property management department, which she has developed from when we first formed our team in 2007. She had previous experience working in property management for Remax Lake County Real Estate in Lakeport. She also has extensive experience as a realtor assistant and escrow coordinator.  

Sherry has lived in Lake County, on Cobb Mountain since 1979, where she has raised her family. She is an avid golfer and let you know about the best places to play.  Sherry can help find you find a home to rent or if you are a landlord, a tenant as well as do full management including rent collection and maintenance. 

Sherry can be contacted at 707-928-6404 or emailed at sherry@teamtoye.com


Timothy Toye & Associates, Realtors
Timothy Toye & Associates, Realtors
(707) 928-6900