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We had an excellent experience using Timothy Toye as our real estate agent. Timothy was very professional. He put a lot of effort into marketing our houses, kept us up to date with market conditions, made suggestions on what improvements to make and made suggestions on who we might hire to make those improvements. Timothy has years of experience and it shows. He was able to find houses we were interested in when we were looking for houses to buy and was a great help with negotiations. I would definitely recommend Timothy to anyone looking to buy or sell a house.

Marsal Renovations, Seller

Timothy helped my mom and I buy two properties within the last six months. He kept appointments, did research, answered questions and explained things. He was patient, made himself available, responded in a timely manner, and followed through with things. And he made sure that the sellers honored their commitment. He even walked up a steep 4 acre hill side to delineate our new property line. We would and will use Timothy again. We give him our best regards

Joyce & Craig, Buyers

I highly recommend Timothy Toye & his associates for their professional demeanor & knowledgeable assistance in selling our Clear Lake Riviera home.
He was willing to work with my son as I have been wrought with the responsiblities of a critically ill husband. 
Since we had located a buyer, we were able to use his 2-4-6 commission program to lessen our selling expenses.
It was refresing to find an honest & capable realtor to handle the various problems associated with the sale of an older property.

Joyce Morrison, owner

After checking with two other real estate agents in the Clearlake area to list our property, Michael Fern was the only one willing to work with us. Timothy Toye & Associates and Michael went the second mile! Our property was listed, shown, and sold with escrow closing within 30 days! Not only was Michael and the office staff very efficient, but were also friendly and helpful to keep us informed concerning the progress of the sale. 

We would highly recommend them to anyone wishing for a good experience in the sale of their property.

Duane and Alice Ferguson 

"My name is Erika Fabo. Over the past 5 years I have used the firm of Timothy Toye & Associates for many transactions. I feel that everyone at Timothy Toye & Associates that I dealt with, from my agent Michael Fern to all of the office staff were true professionals. I would definitely recommend using this firm, to anyone." 

-A very satisfied customer! Erika Fabo, Middletown

"Timothy Toye reality was recommended to us by a friend. We're happy she did and we would recommend Toye to handle your real estate needs. A one service. We live over 2 hours from Lake County and our entire sale was handled by telephone, internet, and fax." 

-George & Randi Clements, Kelseyville Homeowners

"I was extremely pleased with my experience in buying my new home through your agency. It was necessary to purchase via a long distance transaction and your agency was very considerate and helpful. Your staff was very attentive to mu concerns and I felt I was treated as a valued buyer.  Thank you for making this a manageable and comfortable process."- Carol Lango

Thank you so much for helping my family get this house. You and your wonderful staff really got it done for us! Hope to work with your team again soon.
Thanks, Jim Darcy and Family 

 Tim Toye & all his staff are all professionals, efficient & sincerely caring for a customer.  This is my first time to do business with them & I am very much impressed with their quality of service.  I am contracting with them as our property manager to handle our Kelseyville property.
 Thank you, Loy C. Rayos
 Oct. 31, 2012

I had a great experience working with Timothy Toye & his associates.  He was very professional, patiently & persistently getting me into a house I'm incredibly pleased with!  I enjoyed working with him & his team.  He got me into a wonderful house at an excellent price.  It was a lot of work, but he hung in there & got me what I wanted.  I'm so happy with my house.  Tim did a great job!
 His staff was wonderful too, courteous, prompt, professional, hardworking & enjoyable to talk to.  I enjoyed working with Timothy Toye & his team.  I feel happy to recommend them.
 Sincerely, Noelle  Kuebeth, L.M.T. 

We were pleased with the whole process and appreciated the sensitive way you worked with our neighbor.
 Brian and Tina Campbell, Loch Lomond 

Dear Timothy and Team,  

Thank you all so much for all your hard work. I couldn't have bought such a wonderful home if it weren't for all you did. I just wanted to drop you a line to say thank you all. I appreciate your help!  

Love, Noelle  

Thank you all for working hard to sell the acreage.  We very much appreciated all your efforts!  You managed to do what no other agency did & that was a close !  Bravo on your marketing!
 All the best! Kellie Risso

Overall experience is Excellent.  T. T. best I have ever worked with! 

 Scott McCrea

I was running in circles until I met Timothy Toye & Associates.  They were beyond perfect.
 Ed Taylor

I just wanted to tell you that it was such a pleasure working with you!  I dealt with a number of Lake County agents during this transaction.  None were as professional and easy to work with as the Timothy Toye team.  Thanks so much for everything!
 Janneh C. Frost , Trillium Real Estate

Testimonials for Timothy Toye 


"Timothy and his team just completed the sale of my home in Whispering Pines, CA. I picked Timothy as my real estate agent specifically because of his unique expertise in handling real estate transactions in the Cobb area. The entire process of selling my home proved beyond any doubt that I made a perfect choice of the agent. Selling homes in the Whispering Pines is not simple because of some unique conditions like community operated water access or unusual fire hazard situation. In my specific case the extra challenge stemmed from the fact that the home is by common standards a "mountain cottage" while its interior falls more into a category of a modern elegant city home. I was hoping for getting a bit of a premium on the sale price because of the quality interior but I kept my expectations low being realistic about how the local area homes typically sell. Timothy made my dreams come through. He listened carefully to my preferences. He suggested the close-to-optimal listing price and cleverly handled the process of making price adjustments to land a deal at a very sweat price point. The whole experience of interacting with Timothy's team at various points of the sale cycle was very pleasant and as smooth as one can wish for. I cannot find words to adequately express my appreciation for the service I received from this real estate business." -Z Sufelta

"We at Lake Marine are very happy! We really appreciate all the work put into this. We cannot wait to settle down in the new property and improve the company's success and outcome." - Carolina Cardenas

"The Ease of selling these properties, long distance as well, was made simple because of the professional manner of the individuals involved. There is no thing that I would have improved this transaction experience." - Glen Pierpoint

"Every aspect of my purchase was handled perfectly" - Matthew Uribe 

"Thanks so much for your efforts.  You earned your commission several times over on this deal. Have a great day" Doug B.

"Thank you!  We appreciate all your help!  It went so fast and we are excited for the future!  It was a pleasure doing business with you!" - Melissa and Tony 

"We have dealt with many Real Estate companies over the years.  Timothy Toye & Associates has been one of our best and most professional experience. He and his staff really stayed on top of the "Short Sale" transaction.  He understood our concerns and kept us updated as needed. Thank you." - Carolyn Czapleski 

"Timothy was the most professional of all staying on top of every aspect of this "Hud" sale, my lender, and the escrow company.  I was ready to walk away a couple of times because of the various factors that lead to a closing date that was 6 weeks later than anticipated, but Timothy's steadfast persistence, and calmness helped hold me in place, and now I have a beautiful home that I got at a good price." - Margaret Linde 

"I couldn't ask for a more supportive, professional, and understanding agent. Thank you times a million." - L. Cade

"I wanted to take the time to tell you "Thank You" again for all of the time you spent working on our house. I know it was exhausting. Just wanted you to know that you are appreciated. Best of luck :-)" - Kim & Kevin Mildenberger, Cobb

"Timothy Toye is very professional, the virtual tour is extremely informative. Timothy is very prompt. I just recommend him to someone in the Riviera."- Bess Sage, Kelseyville

"Timothy Toye and his team worked very hard for us and received immediate offers. All things proceeded smoothly, and we were always able to count on Timothy and his staff for helping us with every need we had as sellers." - Gary & Dennis, Cobb 

"I told Tim Toye I wanted to sell a residence I owned.  He said he would be glad to be of service.  I believe he informed me within days that he had an offer.  It was within the range I wanted.  The sale closed four weeks or so later.  Fast, efficient, painless.  Timothy Toye & Associates are all pros." - D Nevraumont

"One more time it has been a pleasure working with you on this deal, your professionalism is what made this challenging deal possible. Thank you, Tim, once again." - Pepe Mendoza - Bilingual Realtor

"It was clear that Timothy Toye was more interested in understanding our situation and willing to wait (with us) for the right deal. "

After a couple of false starts with other agents in the area, we contacted Timothy Toye (originally found him on the web) to explore the idea of buying a house at Clear Lake.

After one conversation, we saw a huge difference. He was professional, courteous and had the business acumen that we’d been looking for. It was also clear that he was more interested in understanding our situation and willing to wait (with us) for the right deal.

His e-mail service allowed us to explore all available options for almost a year without having to travel to Clear Lake every time something new became available. He was always available to talk about new properties when something came up.

Timothy’s knowledge of the area and vast experience of property sales were very evident at every step of the process that followed. He has a wonderful internal strength that is often displayed externally in a very calming presence to those around.

Once we were ready to purchase, Timothy found exactly what we were looking for in a short period of time. His patience, care for all parties involved, and ability to negotiate through tough situations were critical to our being able to close the deal with favorable terms to all.

Throughout the process, we were completely satisfied with everything. For us as somewhat picky buyers from the Bay Area, this really highlighted Timothy’s skill in working with people.

If you’re looking to Buy or Sell homes/property in or around Clear Lake, there is no one better to work with than Timothy Toye.

Marcus Jacoby

". . .I couldn't imagine dealing with anyone as professional & pleasant as Timothy. Would most definitely recommend your services further."

Nirit Stephens

After listing my lots with Timothy Toye, we received an offer within one month and closed escrow in less than 40 days. This is astounding in today's economy. I was pleased with his results and expect to do business with him again.
Timothy Toye and his staff worked diligently to promote the listing of my lots, using a detailed description on his website to list all the features. Unlike most realtors, he was very thorough in taking many photos and researching the lots for future development. He highlighted the property with numerous photos and made sure all the utilities were mentioned. 
Many other listings for land were competing for buyers at the same time, but none had such well-written text and photos as mine. Timothy and his staff were always available to return my calls or emails and reached me quickly as things developed. He was honest in his assessment of pricing the proerty, but respected my decision.

Eileen G.,

April 17, 2013

In a terrible market, Timothy has sold two of our three properties at a good price with no hassles. What more could you ask for?

Barry Flicker

"The entire experience was flawless thanks to your talent -- we are both very grateful to have the pleasure of meeting you and witnessing a complex transaction skillfully handled from start to finish! Much gratitude, 

- Sanna and David of Whispering Pines 2016

We recently listed our lot, for sale, with Timothy Toye and Associates.  We had our lot listed for a year with another firm. When the second listing period ended we decided to list with Timothy. Timothy got it on the internet right away, he also made sure it was known locally that it was for sale.  Timothy sold our lot shortly after listing with him.  He was wonderful about keeping us informed as well as getting back with us when we had questions.  We highly recommend Timothy and Associates. 

Sincerely, Dennis and Patti Paul



Testimonials for Michael Fern 
Homestead Real Estate


Thank you for all your help with making this happen. We are very happy with the outcome and the great service we rec'd. I absolutely will recommend your name to friends and family. You were a joy to work with."

"Michael, thank you for finding my new home. It fits exactly the requirements I had mentioned to you. Your help in finding what I wanted, knowledge of the local market and assistance establishing a reasonable offer which I could afford and would be acceptable to the seller was key to the sale. Michael, you went beyond my expectations ! Your low key, no pressure approach, attention to detail and your obvious desire to help your customer makes it a pleasure to work with. You are not only an Agent but now a friend." 

Rogers S. – Hidden Valley Lake, CA 

"Many thanks for all your help in our quest to find our new home. You took the time and put forth the effort to find the ideal place to live here in “God's Country”, Lake County. We look forward to dealing with you in the future and now consider you to be a good friend! " 

Dave D. – LUCERNE, CA 

"I'm definitely a happy customer.  Thank you for everything. This really has been a fun process. I can't wait to buy another house with you in a few years! " 

Susan E. – Anderson Springs, Cobb CA 

"Mike, you've been amazing! I honestly appreciate every bit of time 

you've spent with us, and I had no idea that there were people like 

you in this industry. You took alot of the intimidation out of it, 

and made me realize what's possible. Thank you so much." 

S.F. – Cobb, CA. 

Dear Mike, 

You are the master of turnaround! Real Estate sales maven and rock and roll star! Very impressive my friend! Thanks for everything.
 David L. – Mt Hannah, Cobb CA

" We are first time home buyers in a complicated real estate market. Michael Fern was patient, professional and hand-held us through a complicated and emotional process. He also had to weave between my wife and I who had somewhat different ideas of what we wanted!Bottom line ... we found our "dream house", got a great price for it and that would not have happened without Michael's extended efforts and professional help!"

 D. & P. - Cobb, CA

"After a day of looking at great deals that required extensive renovation, I gave Michael feedback that we needed a new house to retire in and that was all one level..no stairs, short driveway but beautiful view. The very NEXT DAY Michael showed us our dream house that was a short sale and met all the above criteria and more...we love it. We felt Michael was there for us every step of the way. Thank you!" 

Patricia - Cobb, CA. 

Testimonials for Anne Baker


I am writing this letter on behalf of Anne Baker. I cannot even begin to thank you enough for her time, effort, and diligence in selling our house via a short sale. I would shudder to imagine the amount of time Anne spent on our account. Not only was she on top of every single issue which arose (planned or other), but Anne also made herself available to me and my wife on a daily, as-needed basis.

Being a teacher, the best way I can describe how thorough and professional Anne performed would be to relate it to teaching a chapter in class. When I teach I make sure I am more prepared than I need to be, ready with additional examples or explanations. This is just an example of how prepared Anne was through this entire 6 month process. She answered every question, responded to every request, and completely supplied us with additional information so we knew exactly what was taking place. My only regret is that now that we do not live in Lake County, it is difficult to recommend Anne (and you), to perspective buyers or sellers.

I just cannot express enough how thankful I am that Anne was our realtor. The short sale is new to most people - and quite complicated – and takes a great deal of patience to work through. Anne never wavered in her preparation and because of that, we had complete confidence that the sale would be a success. If all of your employees are as dedicated as Anne, I'm sure you deserve all the success that comes your way.

Thank you again for everything. This was a difficult process that could not have gone any better, thanks to you your staff. I would recommend you to anyone and everyone, and should we ever be in the market again our only phone call will be to you.

Thank you so much, David (and Anna) Blair (Successful Short Sale)

Anne was wonderful and Michael and I suggest her to ALL who need selling their home. She's golden!! M&C F
(REO: Bank Owned with Tough Bank and Obtaining FHA Loan) 

Timothy Toye & Associates was an excellent choice for me. I had already tried another agency which didn't work out. Timothy Toye & Associates understood my needs and how to treat me like a person. They were very accommodating and on top of everything. I am very happy to have bought a house with them. I really enjoyed working with Anne, my agent, she was wonderful!
Thanks, C. C. (First time homebuyer) (REO: Bank Owned with five competing offers)

I especially liked Anne Baker's calm and patient approach.
M&Y M (Out-of-Area Sellers)

Anne did an excellent job. She was very positive & helpful and at the same time was very professional... T&D S (Seller Finance Purchase) 

Anne turned a bad situation into a livable one. R&S B
(Short Sale Success Stort: Original Country Wide Loan and Buyer obtained FHA203K Loan)

I have been working with Anne Baker for over a month and have found her to be the most diligent hardworking agent I have ever worked with. She makes you feel like you have a valuable resorce that will enable you to find the right property and position an offer that will get you to the closing. Anne Also talks about all of the benefits of the Lake county area to make sure you understand the potential value of the property as we all start to come out of this economic depression. You have a great asset in having her on your team!
Very best regards, D. J. (Investor)

 Rendee and Anne Rock!!! D. P. (Investor)

Anne Baker has worked as a Realtor® as part of Team Toye for about 3 years. In that time I have seen someone take on the unique challenge of building her personal real estate sales business from the ground up in a time of unprecedented financial hardship in the local economy where home prices have fallen between 60-75% since 2005, to the point that she is the top agent on our team, at the time of this writing, the most productive office in Lake County, and one of the top few agents in the whole of the County.
 I see the reason for Anne's success a consistent dedication to developing the craft of selling real estate, understanding her own qualities as assets, overcoming any weaknesses and maintaining a discipline of steady work habits and creativity in response to the client situations she encounters, such that it is really no accident she has done as well as she does, but nonetheless must be commended as a significant achievement for anyone.
 Anne has a gentle personality and has proven that success is not tied to what we might presume is any particular character type, is completely trustable in my dealings with her, and someone I value deeply as a friend and a member of our sales team.
 Timothy Toye, Owner/Broker 

"Anne and Iris handled everything perfectly. They're outstanding realtors. You should be proud to have them working for you." - Stephen Jenkins 

Testimonials for Valerie Tenneson


Our Realtor, Valerie Tenneson has been a more than satisfactory agent. She answers your questions promptly and accurately and has been on top of things. She never missed a beat and we would definitely use her again.

Matt and Sabrina Doughty 

I just wanted to thank you for the nice gift you gave us, and for assisting us with the purchase of our new home. We really appreciated having you as our realtor, and felt like you always had our best interest at heart. I always appreciated your calm demeanor, and the fact that yo never tried to push houses on us that weren't the right fit for our needs. You are great at what you do, and we really appreciate you representing us!
Thanks again, and see you around town :-)

Sincerely, Aaron and Jennifer Dorman  

This note is to verify excellent services relieved by me Robert Salinas from Real Estate Agent, Valerie Tenneson. She was prompt, very helpful, and made the buying process easily negotiable. I would recommend Valerie's services to anyone looking for a home. Again, thank you very much for all of your help purchasing my new home.

Sincerely,  Robert Salinas 

"I want to express my gratitude to Valerie for helping me sell my property and then negotiating the purchase of another. Valerie was very patient and supportive while I struggled to accomplish all of the inspections for the sale of my property. She worked hard to promote the house and gave me pointers on minor details that needed to be tended too. Valerie showed the house rain or shine, no perspective customer was tuned away! I highly recommend Valerie as a great agent to help when making difficult decisions as she is calm and practical. I feel that her diligence and positive attitude are a good combination when dealing with a challenging sale or purchase of property. I am thankful to have encountered a real estate agent who I could trust to help make a good, informed decision."

 - Natasha Robinson 2016 

Testimonials for Janice Hodges


Property Management Testimonials 

'Tim Toye & all his staff are all professionals, efficient & sincerely caring for a customer. This is my first time to do business with them & I am very much impressed with their quality of service. I am contracting with them as our property manager to handle our Kelseyville property."

Thank you, Loy C. Rayos


"Pi made the home buying experience a breeze. She understands the local market and processes, and navigates them with expertise. We had some complex repairs to work out, and Pi handled everything professionally through lots of back and forth among buyer, seller and contractors. Pi is straight-forward and level-headed; I could always count on her to to be my rock when things got stressful on my end. She is easy to reach and will do in-depth research to find answers to any questions that come up. I highly recommend Pi for all your real estate needs!" Laura Curley
Timothy Toye and Associates
Timothy Toye and Associates
(707) 928-6900
16360 Hwy. 175 Cobb CA 95426
no name available Timothy Toye and Associates