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HOME IN THE COUNTRY

SULLIVAN COUNTY DEMOCRAT

AUGUST, 2013

Recent Home Sales 1. Neversink Township Mobile 2 BR/1 BA Acres: 1.90 Sold For: $12,000 School Tax: $712 Town & County: $412

2 BR/1 BA Acres: .4477 Sold For: $35,000 School Tax: $1,693 Town & County: $1,435

Built: 1968 Listed By: Myrna Ginsberg Real Estate

6. Highland Township Cape Cod/Two Story

5. Lumberland Township Contemporary 3 BR/2 BA Acres: .41 Sold For: $120,000 School Tax: $2,031 Town & County: $2,350

3. Fallsburg Township Ranch

2. Bethel Township Cottage/Ranch Built: 1965 Listed By: Prudential Peters Realty

Built: 1965 Listed By: Paris RE & Associates

4 BR/2 BA Acres: 5.3 Sold For: $167,000 School Tax: $2,843 Town & County: $2,506

4. Thompson Township Townhouse

2 BR/2 BA Acres: .14 Sold For: $60,500 School Tax: $1,945 Town & County: $1,752

Built: 1985 Listed By: Century 21 Country Realty

8. Bethel Township Contemporary/ Ranch

7. Callicoon Township Log Built: 2003 Listed By: Gibson E. McKean, Inc.

2 BR/2 BA Acres: .07 Sold For: $85,000 School Tax: $2,122 Town & County: Listed By: Country $1,563 Homes & Built: 1987 Properties

3 BR/1.5 BA Acres: 6.00 Sold For: $260,000 School Tax: $2,889 Town & County: $2,690

Built: 1961 Listed By: The Rural Connection

4 BR/3.5 BA Acres: 5.00 Sold For: $775,000 School Tax: $11,974 Town & County: $9,326

Built: 2004 Listed By: Chapin Sotheby’s Int’l Realty

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HOME FEATURES Address: 39 Lordville Rd., Equinunk, PA Listing Type: Single family MLS No.: 13-1589 Bedrooms: 3 Bathrooms: 2 Eating Area: Eat-in kitchen, modern kitchen House Size: 2,126 square feet Lot Size: 65,340 square feet (1.5 acres) Year Built: 1920 Interior Features: Family Room lower level, open floor plan. Exterior Features: Deck, patio/coverd deck.

‘Own’ a piece of the Delaware River with this riverfront T Story and photos by Kaitlin Carney

his three-bedroom, two-bath house presents a rare chance to “own” a piece of the Delaware River and realize a fisherman’s dream. It offers 100 feet of river frontage at the end of a gently sloping lawn, with 11⁄2 acres of property. Get fantastic river views from the kitchen deck and second floor bedroom deck. Featuring a walkout family room to a stone patio. Above the two-car garage is a workshop space with great possibilities. Walk to the village from this meticulously maintained home and grounds.

Lot Description: Cleared, flat, not in development, riverfront, view. Lot Financing: Cash conventional Appliances: Dishwasher, garage opener, gas oven/range, refrigerator, smoke detector, washer/dryer hook up. Garage: two car, detached. Cooling: Attic fan, ceiling fan, wall/window AC. Heating: Liquid propane, oil. Basement: Daylight, full finished, heated, outside entrance. Roof: Asphalt/fiberglas. Water Heater: Electric Sewer: In ground, on-site. Water: Spring Additional Rooms: Workshop. Exterior: Vinyl. Floors: Hardwood, tile, wall to wall carpet. Access Road: Paved, public. Price: $259,000.

At top: The expanse of lawn leads to both a small feeder brook and the Delaware River itself. Above: A view of the house with its walkout basement. The garage is on the right. At right: The walls of the basement room are clad in pine. The arrows and medals belong to current owner (with wife Mary) Barry Weinperl, a national indoor and outdoor archery masters champ.

Realtor: John and Mary Fitzgerald, Re/Max Wayne, 1362 Cochecton Turnpike, Tyler Hill, PA. Phone: 570-224-6446.

Additional images on following pages 4 & 5

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At right: the upper level of the garage is a well-insulated (but not heated) workshop area, ripe with possibilities. Below: off the master bedroom is a deck that affords views of the river beyond.

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Paradise found ... inside a train station alifornia’s Napa Valley or the sun-drenched slopes of the Mediterranean spring to mind when Joe and Maureen Darmetko’s home comes into view. But the vine-covered concrete walls and terra cotta roof enclose a building which once served as thousands of visitors’ first impression of Sullivan County’s Catskills. Built by the New York, Ontario and Western Railway (O&W) in 1898 to replace a wooden station that had burned, this 3,200-square-foot Sullivan County Mission-style structure spent more than half a century welcoming rail passengers to “the mountains.” Sitting above Bloomingburg on the eastern slope of the Shawangunk Ridge, this is indeed where “the mountains” began for many a New York City resident, even if they were continuing on through the adjacent High View Tunnel (an engineering marvel when it opened in the 1870s) up into the Catskills proper. But in 1957, the O&W shuddered its last breath, the victim of a changing economy and transportation methods. Nearby Route

C By Dan Hust Maureen and Joe Darmetko (right) turned a derelict train station (above) into a dazzling home they’ve enjoyed for the past 15 years (top right). Considered the most beautiful station on the former New York, Ontario and Western Railway, the 1898 High View station has become one of the most stunning private homes in Sullivan County, NY. The Darmetkos took their mutual love of design – and their skill in implementing that design – then blended it with original aspects of the building (like the O&W logo, top left) to create a livable home where history is appropriately honored but also where style and aesthetics are warmly embraced.

17, “the Quickway,” was in fact on the verge of offering a new high-speed route through the area. The High View Station, once the busy hub of the Village of Bloomingburg, fell into disuse, save for poultry and pig housing. Visitors still came – but in the form of vandals who stole, defaced or otherwise mutilated every last furnishing. It’s in that state the Darmetkos stumbled across what was simply advertised in 1988 as a “handyman’s special.” “The roof looked like meteors had fallen through it,” Maureen recalled. “This was obviously a little more than a handyman’s special,” Joe added with a laugh. Joe and Maureen were living in Brooklyn then. They had no idea of the property’s history, of its importance to the community, but they did recognize something special – enough to buy it and spend the next decade pouring their hearts (and wallets) into every inch. By the time they moved in circa 1998, the Darmetkos hadn’t just restored the station to its original splendor ... they had

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SULLIVAN COUNTY DEMOCRAT

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turned it into one of the most beautiful and original homes in the entire region. They had accomplished this while raising a family of three and running design businesses in the city – testament to their mutual love of the place. Maureen credited Joe, who was “a man on a mission,” while Joe lauded Maureen. “While I was working [on the house], she was providing me with drawings ... so it was a real tag-team effort,” he said. The result is a home that looks and feels like the train station it always was yet is a spectacular and very personal reflection of the Darmetkos’ style and taste. “Every inch of this place was a discussion,” affirmed Maureen, who, like Joe, enjoys the frequent compliments of how “historically accurate” the house appears. Capturing the station’s character was a key goal, she admitted, but this is their home, not a museum. The wrought iron on the front and back doors, for example, contain the O&W’s logo – but they were designed by Maureen and welded by Joe. The ballroom – host to elaborate themed costume parties thrown by the

The ballroom (top) is perhaps the most spectacular part of the house, featuring the station’s original brick fireplace and arched entranceways. The rest of the space is entirely the Darmetkos’ design, from the rotunda-like ceiling to the elegant center column to the stylish furnishings. Just down the hall is this lavatory (left) employing a Turkish birdbath as a sink. An upstairs bedroom’s rounded ceiling (above) evokes the interior of a railroad passenger car. Inlaid with wood and brick and surrounded by well-groomed vegetation, the home’s entrance walk (right) is warm and welcoming.

AUGUST, 2013

SULLIVAN COUNTY DEMOCRAT

HOME IN THE COUNTRY

couple – has a raised ceiling approximating a rotunda, but the station’s original waiting room featured no such architecture, however fitting it seems. “Historically accurate would be a black slate roof,” Maureen noted, “but no, we did red tile.” That tile clothes the roof so beautifully, so naturally, that O&W railfans – steeped in the railroad’s history – have created models and painted murals incorporating the terra cotta instead of the black slate. “We’re complimented by it,” affirmed Joe. But save for the original brick fireplace, most of the home’s interior reimagines the station far more stylishly than its builders ever envisioned. The former bathrooms are now an expansive kitchen whose floor is covered in Spanish tile. The loading dock has been converted to Joe’s workshop, while what was once simple quarters upstairs for the stationmaster are now outstandingly unique bedrooms for family and friends. Yet the only major addition to the building is Joe and Maureen’s stunning master suite, built above the loading dock. Noticeably different from the earthy tone of the rest of the

The master suite’s shower (left) is enclosed by glass that itself encloses willowy branches which provide both beauty and privacy. The second-floor suite also has a balcony offering a sweeping view of the sumptuous natural surroundings (above). To access this part of the house, the Darmetkos rehabbed the station’s existing stairwell (right), adding wood and iron details which – as guests often mistake – appear wholly original. Beyond the lamp is the door to the master suite, custom-built by Joe and displaying Maureen’s design (incorporating the O&W’s famous logo). The cherrywood kitchen features a fully functional fireplace with a railbed tie and spikes for a mantel, plus slate obtained from the nearby tunnel.

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HOME IN THE COUNTRY

SULLIVAN COUNTY DEMOCRAT

AUGUST, 2013

turned it into one of the most beautiful and original homes in the entire region. They had accomplished this while raising a family of three and running design businesses in the city – testament to their mutual love of the place. Maureen credited Joe, who was “a man on a mission,” while Joe lauded Maureen. “While I was working [on the house], she was providing me with drawings ... so it was a real tag-team effort,” he said. The result is a home that looks and feels like the train station it always was yet is a spectacular and very personal reflection of the Darmetkos’ style and taste. “Every inch of this place was a discussion,” affirmed Maureen, who, like Joe, enjoys the frequent compliments of how “historically accurate” the house appears. Capturing the station’s character was a key goal, she admitted, but this is their home, not a museum. The wrought iron on the front and back doors, for example, contain the O&W’s logo – but they were designed by Maureen and welded by Joe. The ballroom – host to elaborate themed costume parties thrown by the

The ballroom (top) is perhaps the most spectacular part of the house, featuring the station’s original brick fireplace and arched entranceways. The rest of the space is entirely the Darmetkos’ design, from the rotunda-like ceiling to the elegant center column to the stylish furnishings. Just down the hall is this lavatory (left) employing a Turkish birdbath as a sink. An upstairs bedroom’s rounded ceiling (above) evokes the interior of a railroad passenger car. Inlaid with wood and brick and surrounded by well-groomed vegetation, the home’s entrance walk (right) is warm and welcoming.

AUGUST, 2013

SULLIVAN COUNTY DEMOCRAT

HOME IN THE COUNTRY

couple – has a raised ceiling approximating a rotunda, but the station’s original waiting room featured no such architecture, however fitting it seems. “Historically accurate would be a black slate roof,” Maureen noted, “but no, we did red tile.” That tile clothes the roof so beautifully, so naturally, that O&W railfans – steeped in the railroad’s history – have created models and painted murals incorporating the terra cotta instead of the black slate. “We’re complimented by it,” affirmed Joe. But save for the original brick fireplace, most of the home’s interior reimagines the station far more stylishly than its builders ever envisioned. The former bathrooms are now an expansive kitchen whose floor is covered in Spanish tile. The loading dock has been converted to Joe’s workshop, while what was once simple quarters upstairs for the stationmaster are now outstandingly unique bedrooms for family and friends. Yet the only major addition to the building is Joe and Maureen’s stunning master suite, built above the loading dock. Noticeably different from the earthy tone of the rest of the

The master suite’s shower (left) is enclosed by glass that itself encloses willowy branches which provide both beauty and privacy. The second-floor suite also has a balcony offering a sweeping view of the sumptuous natural surroundings (above). To access this part of the house, the Darmetkos rehabbed the station’s existing stairwell (right), adding wood and iron details which – as guests often mistake – appear wholly original. Beyond the lamp is the door to the master suite, custom-built by Joe and displaying Maureen’s design (incorporating the O&W’s famous logo). The cherrywood kitchen features a fully functional fireplace with a railbed tie and spikes for a mantel, plus slate obtained from the nearby tunnel.

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HOME IN THE COUNTRY

SULLIVAN COUNTY DEMOCRAT

AUGUST, 2013

house, the suite is bright, airy and exceedingly elegant, from the chandelier-draped bathtub to the TV discreetly recessed above the balcony door. “We don’t design conventionally,� Maureen acknowledged. For themselves or for the clients for whom Darmetko Design is indispensable. “Of all things,� explained Joe, “if you can make where you live a place you enjoy ... that makes life special.� It could be yours . . . Eager to find new challenges and new possibilities, Joe and Maureen have put this fabulous home on the market. Listed at $979,000, find all the details at www.realtor.com. What could otherwise be a drab equipment shed is instead a handsome complement to the Darmetkos’ home (above). This view from their second-floor balcony also illustrates their love of the art of landscaping, seamlessly incorporating natural and manmade elements. The interior is no less well-designed, most especially the master suite’s bedroom (left) and bath (far left). From the artwork to the trim to the wallpaper made of actual tree bark, this space is truly their own. Hidden behind the painting (a collaboration of Joe & Maureen) are his-&-hers walk-in closets. And the bathtub’s expansive view is of the backyard, ensuring privacy. Creativity extends into the four other upstairs bedrooms (below), one of which features this loudspeaker repurposed as a lamp.

   



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building’s energy use and loss is measured; the R-value of insulation in a wall is insufficient in determining the wall’s thermal performance. Effective elimination of air infiltration has a much greater effect than simply assessing thermal resistance of a type of insulation. The primary goal in achieving energy efficiency should be sealing the building envelope. The lower the rate of air exchange, the better the overall insulation of a building, especially when one considers that the leaked air is replaced by outside air. Not only is the conditioned air lost, but it is replaced with air at the same temperature and humidity as outside air, making systems work harder to maintain a constant temperature inside. EPA Energy Star classification permits a building to have up to four air exchanges per hour; spray foam insulation performs even better, with two or fewer air exchanges per hour, but fiberglass results in eight air exchanges per hour, double the EPA standard. “Construction doesn’t make many large forward strides,� explained Petersheim. “We basically build the same way we have for the last 75 years. Pex plumbing pipes are a good recent example of construction material progress, Contributed photo outperforming copper piping in Foam insulation achieves much better efficiency than nearly every way. Spray foam insutraditional batt or blown fiberglass. lation is another example, with a rapidly expanding eight percent market that have high R-values will result in heat share.� (or cooled air) that will be lost at a slower Spray foam insulation can be categorate (like using an insulated coffee mug or rized as closed cell and open cell. Closed a cooler). R-value is a measure of insulacell is dense, rigid foam with a small, tion’s ability to resist heat traveling compact cell structure. It is filled with gas through it; the higher the R-value the betthat makes the insulation value as high as ter the thermal performance of the insupossible. Open cell is foam with tiny cells lation. that are not completely closed, giving it a Problem is, R-values don’t take air sponge-like appearance. It has an R-value exchange into account, or assembly and of approximately R-6 per inch, compared installation effects such as thermal to blown fiberglass, which typically has an bridges, thermal mass and moisture conR-value of R-2 to R-4 per inch. But tent, which all have a significant impact remember the R-value doesn’t tell the on thermal properties. whole story. “It’s like measuring car safety by the Petersheim continued, “While this techstrength of the seat belt and ignoring the shatterproof glass, strengthened steel side nological breakthrough is widely accepted as being up to four times more effective panels, anti-lock brakes and air bags,� than traditional fiberglass batt insulation, explains Charles Petersheim, founder of New York State Code relies exclusively on EcoTech Spray Foam. R-value measurements. This slows the In fact, it is widely understood that conservation effort and costs the conmanaging air exchange, not just thermal sumer money.� resistance, is where the biggest energy Real-world performance tests show a savings can be found. house insulated with spray foam is typiThe time has come to update how a nergy-efficient building is top of mind these days, but is it being measured wrong? According to the U.S. Department of Energy, the typical American family spends at least $2,000 per year on home utility bills, with 50-70 percent of the energy used to heat and cool their homes. Inadequate insulation and air leakage are the leading causes of energy waste, with an average 2,500 square-foot home having more than a half mile of cracks and crevices. This equates to up to 30 percent or more of a home’s heating and cooling costs, according to the Department of Energy. Most states have adopted building code requirements for R-values in an effort to reduce energy consumption, under the assumption that building with materials

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The skinny (figures) on home insulation Are we measuring green wrong? R-values may be costing you money

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AUGUST, 2013

ciency, require up to double that amount, as illustrated below: • R-42 in ceilings – requires 11” of foam • R-21 in walls – requires 6” of foam • R-30 in basement ceiling – requires 7.5” of foam Outdated code requirements are artificially inflating the cost of foam insulation and creating excess waste by requiring more foam than necessary, while inhibiting conversion to a greener, more efficient product capable of dramatically reducing our carbon footprint and providing energy savings of 30–50 percent. For more information on EcoTech Spray Foam, call 557-0055, email info@ecotechsprayfoam.com or visit www.EcoTechSprayFoam.com.

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cally four times more energy efficient than one with fiberglass batt insulation. Data shows that four inches of spray foam can insulate as well, or better than ten inches of fiberglass batt. In a spray foam application the first inch of foam achieves 85 percent energy efficiency, providing a complete air seal. Two inches of foam increases that efficiency to 95.4 percent, and so on as illustrated below: • 4” of foam = 97.7 percent • 5” of foam = 98.1 percent • 6” of foam = 98.4 percent The law of diminishing returns and common sense show that more than four to six inches of foam is overkill. However, current building codes, based exclusively on R-values, instead of actual energy effi-

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A. ALPORT & SON INC

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Phone: (845) 482-4300 • Fax: (845) 482-4433 E-mail: diane@preferredhomes.net Website: www.preferredhomes.net

RELAX in this beautifully WONDERFUL VIEWS renovated 2BR/1.5BA cotfrom this charmtage. Great open floor plan ing 1890’s farmw/fabulous flow. Enjoy spahouse. New renocious, bright & airy vations, open family/dining room w/ glass doors lovely deck w/ floortoplan, newly views of Lake. Updated&kitchen w/island, granite counters, painted interior etc. Close to partial Swinging Bridge Lake, swim, boat, fish, Bethel exterior, Woods, racino/racetrack, new roof. Rocking restaurants, shopping & more. Just bring your toothbrush & relax! Only $159,900 chair porch, wide

CUTE AS A BUTTON YEAR ROUND COMFORTABLE FARMHOUSE completely 2BR/2BA ranch renovated w/HW floors, in lake commutinned ceiling EIK, new nity. Newinroof, roof,refrigerator, gutters, siding, boiler, w/d,radiators, LR w/WS, cast iron insulated large family windows, Insulation. Large level partially fenced room & 3 seabackson yardenclosed great for kids/pets. Also available for Rent.porch Moveadds in. Priced sell.usuable space. $99,900 even to more Great

845-434-7500 (Mon.-Fri. 7 am - 5 pm) COME VISIT OUR NEW KOHLER SHOWROOM ALPO-128049

2 d

Plumbing • Heating • Pump Supplies 5337 Route 42, South Fallsburg, NY

PREF-126808

i

AUGUST, 2013

Serving your PLUMBING & HEATING needs for over 70 YEARS

i

D.J.M. Landscape Materials

NEVER clean your gutters again!

845-295-6984

We Deliver/Pick Up By Bulk & Save • Credit Cards Accepted OWNERS TONY & JOHN www.djmdealers.com

GUARANTEED! 845-482-5259 http://www.leafguardinc.com

Jerry Kracke 10 Ryan Rd. North Branch, N.Y. 12766

CLGU-104084

• Grinnell . . . Authorized Dealer • Unilock . . . Authorized Dealer • Straw Hay & Sod • Landscape Fabric • Stone Facing • Stone Works . . . (Owens Corning cultured stone) • Field Stone • Blue Stone . . . cut to size • Gravel . . . all types/sizes • Bags . . . peat moss/organic soil/soil

DJMD-117504 DJMG-126831

• Decorative Stones • Colored Mulches • Stone Dust • Top Soil . . . screened/unscreened • Sand . . . All types (Beach . . . White/Tan) • Mason & Concrete • Retaining Wall Blocks • Pavers

The only One-Piece seamless debris-shedding gutter on the market today. CLGU-088438

Yard Tractors, Chainsaws, Lawn Mowers, Zero Turns In Stock and Ready

JOHN H. ESCHENBERG INC. Dennis, Raymond, Danny, Cathy Sales and Service ® ESCH-128273

3965 Rt. 17B, Callicoon, N.Y. 12723 Gift Certificates Always Available!

845-887-5350

“A Lifetime of Enjoyment” CPOO-113868 ZAHL-126572

HOME IN THE COUNTRY

SULLIVAN COUNTY DEMOCRAT

AUGUST, 2013

15H

CLOSE-OUT SALE! NOW THRU SUNDAY, SEPTEMBER 8TH, 2013

LOCALLY OWNED AND OPERATED

Unless otherwise noted.

LABOR DAY SAVINGS 50

% select tools OFF

% 0 5OFF

ELITE®

SAVE $50

$

4999 GearWrench

• WALL OVENS • SLIDE • COOKTOPS IN RANGES

HOT

SALE

® 20-pc. ratcheting wrench set Standard and Metric sizes 00935720

CLOSEOUT PRICES

$

3999

SALE

Craftsman 26-pc. wrench set 00946935/6

1999

SALE

Craftsman Evolv™ impact sockets 00916886/7

UP TO

We can order it!

30%

OFF

all grills & patio sets Advertised savings range from 5%-30%.

SAVE $80

SAVE $210

$

18999

88 389 Proform

CLOSEOUT

SALE

BBQ Pro™ 4-burner gas grill with stainless steel lid 07123676‡‡

®

CrossWalk 397 treadmill 00624843 Was 599.99

ORDER MILLIONS OF ITEMS FROM OUR IN-STORE KIOSK

While quantities last.

SAVE $200

$

39988 NordicTrack GX 4.5

CLOSEOUT ®

recumbent cycle 00621983 Was 599.99 While quantities last.

WHY NOT LEASE IT?

$

Don’t see it?

Offer good thru 9/7/13. Fitness equipment requires some assembly.

$

SAVE $40

your choice SAVE $20

NO

CREDIT REQUIRED

LEASE IT

FREE SHIPPING TO YOUR DOOR

Take It Home Today*

SAVE $70

SAVE $250

$

$

27999

SALE

Kenmore® 4-burner stainless steel gas grill with side burner 07116142‡‡

34999

Grandview® 7-pc. patio set 07112203 Umbrella and base sold separately.

‡‡

Gas tank sold separately. Grills require some assembly.

Low Payments

Flexible Payment Schedule

See an associate for how Leasing can work for you.

SEHS-128684

KENMORE

Advertised savings range from 5%-50%.

*Mattresses may not be taken home same day.

25 Sullivan Avenue Liberty, NY 12754 Storewide Clearance Sale Huge Closeouts Discountinued Appliance and Snowblower Sale 50 - 75% Off Phone: 845.292.7580 Hours: M-F: 9:30 AM - 7:00 PM Sat: 9:30 AM - 6:00 PM Sun: 11:00 AM - 4:00 PM

16H

HOME IN THE COUNTRY

SULLIVAN COUNTY DEMOCRAT

AUGUST, 2013

25% OFF SELECTED GROUPS OF SHRUBS SHURBS 15 Acres of Top Quality Trees and Shrubs Saturday, August 31st, 9am

HUGE TREE and SHRUB AUCTION

Thousands of Flowering Trees & Shrubs

FEATURING:

LARGE SELECTION OF PERENNIALS, GRASSES, GROUND COVERS AND VINES

25% OFF Selected Groups of Trees & Shrubs

Largest Selection of Deer Resistant Trees & Shrubs

DERI-126512

Maples Japanese Red Maple Oaks • White Birch & other assorted shade trees!

Nursery Well Stocked! New Items Arriving Daily!

MANF-128641

HUGE Variety of Fruit & Flowering Trees & Shrubs

Hundreds of Freshly Dug Flowering Trees in Bloom, and Many Varieties and Sizes of Freshly Dug Evergreen Trees, Assorted Shade and Ornamental Trees, Flowering, and Evergreen Shrubs and Much, Much More!

HUGE Selection of EVERGREEN TREES 2-10 ft Trees

Blue Spruce • Norway Spruce White Spruce • White Pine Canadian Hemlock Concolor & Douglas Fir Green Giant Arborvitae Emerald Green Arborvitae & other assorted evergreen trees! MANF-128647

MANZA FAMILY FARM

Delivery Available • Planting can be arranged 845-692-4364 • Direct Nursery Line: 845-866-1379 Quickway Exit 120E onon211E on 730STATE RT 211 • Montgomery 730 RT 211 • MONTGOMERY Quickway Exit 120E towards Montgomery left or Rt. towards 17K to Rt. 211,Montgomery Montgomery 4 miles on right leftOPEN or Rt. 17K to Rt.-211, OPEN 7 DAYS 8AM - 5PM 7 DAYS 8AM 5PM Montgomery 4 miles on right. www.manzafamilyfarm.netwww.manzafamilyfarm.net

WE OFFER COMPLETE INSURANCE PROGRAMS Personal Coverage • Boats • Automobile • Homeowners

• Umbrella Policy • Valuable Property

Business Coverage Merrell Benco www.mbagency.com 796-1500

• Liability, Fire, Crime, Marine • Worker’s Compensation • Package Policies • Business Automobile

Lawrence Miller associates www.lbmillerinsurance.com 292-2100

67 East Broadway, Monticello, NY

MAGE-128284


Home in the Country Fall 2013