Real Estate CNY October 2015

MEMBER

Syracuse, New York • October 2015 • Volume 2 - Issue 10

2,200 ACRE ADIRONDACK PRESERVE

ADIRONDACKS | Adjoins 214,000 Acre State Preserve | Immaculate New Log Home | Hunting Lodge | Private Lake

Canaan Realty Agent Ad

Allen Olmsted

Your New York Land Realtor

Licensed Real Estate Salesperson Canaan Realty

(315) 682 4500

www.crookedlakepreserve.com

Heather Ryan

Licensed Real Estate Broker Weichert, Realtors – The Bollinger Group

(315) 378 9381

Heather@thebollingergroup.net A Supplement to Eagle News

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RealEstateCNY.com

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3

MOVING FYI:

Avoid internet moving scams

There are many moving service providers listed on local classifieds websites. However, don’t be mistaken to assume that these are all legit moving companies. Some of them are not licensed and operate without proper qualifications. More importantly, these “movers” will not have insurance coverage and will not be able to provide adequate reimbursement in case of damages to your goods.

Craigslist and other online classified sites are probably one of the best places for selling products that you no longer need or purchasing items that you do need at a very affordable price. It is also the place that one can get affordable services like lawn care, carpentry among others.

On-line classified websites also attract several scammers and a moving scam is no exception. Too often on those sites you can see a moving offer that may appear to be too good to be true.

One would be very surprised to discover that what they perceive as professional negotiations with movers is really a professional scam artist at work. All of this can be prevented if you follow some of the rules that we have outlined for you.

The first sign that confirms that the moving company you are dealing with is a fraud is that they can move you for $40/hr(includes two men and one truck) or less.

Usually reputable companies are the ones who invest in websites and See ‘Moving scams’ page 10

Breathtaking Mountain Views

44 MOHAWK WAY

PROPERTY ID #151033

$775,000

Elizabethtown - High Peaks Mountain Views, Privacy and Location. This Exquisite newer home has all that you could possibly want- Central vacuum, baseboard vacuum in kitchen, radiant heat w/ each room zoned, heated garage floors, heated storage shed, amazing lighting, abundance of storage, large walk in closets. Only a few minutes from Elizabethtown, 30 mins to Lake Placid/Whiteface/ High Peaks or Lake Champlain.

Christine Benedict

Real Estate Salesperson (518) 562-9999

Rolling Ridge Farm

CAZENOVIA

CNY #S324507

$715,000

1830’s homestead on the Historic Registry, is located just outside quaint Cazenovia village. The Estate comprises an outstanding home of quintessential Federal-style charm on 28 acres with updated barns and three ponds.

Patricia M. Carmeli

Licensed R.E. Sales Person (315) 655-1025

Terri Peter & Assoc. and CBPP offers Country Charm, But Close To It All. MLS# S341845

FAYETTEVILLE

$272,000

7015 Woodchuck Hill Road - Unreserved Real Estate Auction October 28th at 12:30. Open House 1 hour prior to closing or by appointment. Amazing and unique farmhouse/colonial built in 1834. It has original wood floors, beams, wainscoting, cupboards, china cabinet and bookcases. There is a first floor master suite, updated kitchen with granite counters, 1st floor laundry, sunroom and patio all on over 1 1/2 acres. Just lovely!!!!

Jim Kirby in conjunction with Terri Peters & Associates Antiques, Fine Art, Real Estate

Licensed R.E. Salesperson (315) 214-2280

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Cove r Home

Private Preserve with over 2,200 acres nestled in the Adirondack Mountains in Upstate New York.

This privately held estate boasts several unique features including a large, private lake suitable for landing planes, numerous creeks and streams, an immaculate four bedroom log home, two separate sleeping cabins, kitchen cabin, hunting cabin and a private dock onto the Beaver River at the South end of the

property. This is a complete getaway location. Solar or generator power at each of the different building locations. Over eight miles of interior, maintained roads easily get you through this immense property, along with an additional ten miles of ATV trails for easy access to your favorite spots. If you are seeking a unique Adirondack experience please call Allen or Heather for more details and schedule a private tour, or visit www.crookedlakepreserve.com Priced at only $3,500,000. Premium owner financing available.

For more information or to arrange a meeting, please contact: Allen Olmsted at (315) 682-4500 or Heather Ryan at (315) 378-9381

(315) 434-8889 2501 James St., Suite 100 Syracuse, NY 13206 RealEstateCNY.com is published monthly by Community Media Group LLC. Each month, 30,000 copies are produced and distributed through Eagle News’ six community weeklies, as well as at high traffic locations throughout Onondaga and Madison counties, including selected Wegmans and Tops Friendly Market locations. All phone numbers are for the (315) area code unless otherwise stated on the advertisement. RealEstateCNY.com is a trademark of Community Media Group LLC, and is produced in conjunction with QuestCom Incorporated.

All real estate advertised in RealEstateCNY.com is subject to the Federal Fair Housing Act of 1968, which makes it illegal to advertise preference, limitation or discrimination based on race, religion, sex, age, national origin, disability, marital status or presence of children or an intention to take any preference, limitation or discrimination.

Community Media Group LLC will not knowingly accept for publication any advertising for real estate which violates the law. All dwellings advertised are available on an equal opportunity basis.

All rights reserved. Copying or reproduction of this publication, in whole or in part, is strictly prohibited.

Every effort has been made to assure the accuracy of the information contained herein. However, the publisher cannot guarantee such accuracy. All properties are subject to prior sale or withdrawal without notice. Listings & advertising are subject to errors, omissions, and/or changes without notice.

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5

When Buying or Selling It’s Better To Use A

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BALDWINSVILLE

Judy and David NuHavun

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Lee Baldwin

Lic. Real Estate Broker o: (315) 372-3028 | Central NY Real Estate Group

Cazenovia

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o: (315) 699-3200 | Hunt Real Estate

Fayetteville Manlius

Patricia M. Carmeli

Deana Bollinger Ingram

Lic. Real Estate Salesperson o: (315) 655-1025 | RealtyUSA

Associate Broker / Owner o: (315) 637-0555 | Weichert Realtors

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Lic. Associate Real Estate Broker o: (315) 373-0440 x.224 | Berkshire Hathaway CNY Realty

o: (315) 449-6732 | Hunt Real Estate ERA

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CLAY/BREWERTON Ila Allen

o: (315) 699-3200 | Hunt Real Estate

Lic. Associate Real Estate Broker o: (315) 373-0440 x.224 | Berkshire Hathaway CNY Realty

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o: (315) 546-4996 | Hunt Real Estate

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o: (315) 420-9049 | Hunt Real Estate

SYR - UNIVERSITY AREA Esther Zorn

o: (315) 243-8550 | Berkshire Hathaway CNY Realty

o: (315) 410-7653 | Exit Eagan Real Estate

SKANEATELES SPAFFORD

Lic. Real Estate Salesperson

Barbara B. Ferro

David Hanlon

Lic. Associate Real Estate Broker

Lic. Real Estate Salesperson o: (315) 637-0555 | Weichert Realtors/The Bollinger Group

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Linda A. Roche

Lic. Associate Real Estate Broker

o: (315) 685-0111 x.315 | RealtyUSA

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MORTGAGE F.Y.I A quick look at rates and points The interest rate determines the monthly interest payments over the lifetime of the loan. A “point” or “discount point” is equivalent to 1 percent of the loan amount and usually reduces or “discounts” the loan rate by an eighth of a percentage point.

For example: You want to get a loan for $100,000 to buy a home.

Each “point” would cost you one point of $100,000 or $1,000 but would reduce your loan’s interest rate by .125 percent. The lender might offer you an 8 percent loan with zero points, a 7.875 percent loan with one point, or a 7.75 percent loan with two points.

Points, like the down payment, are paid at closing. In some cases, lenders will allow borrowers to finance the points over the term of the loan. Lenders sometimes use points to make their interest rates appear lower. Be aware that lower interest rate offered by a lender may translate into higher points requirements.

Theresa Osborne

Kathryn Woodruff

Licensed R.E. Salesperson

Licensed R.E. Salesperson

315-506-5220

315-480-2215

Gorgeous Contemporary

MLS #S336957

Lovely, Updated Colonial

Mary Anne Cramer

Licensed R.E. Sales Person (315) 671-1624

MLS #S339777 Live On The Water!

5940 Commane Rd.

$389,500

Lafayette - 8.95 acres of privacy. This home has many wonderful amenities, large living room with stone fireplace, hot tub room, pool with waterfall. Huge heated workshop, Finished basement with wet bar, living room and full bath. Kitchen equipped with appliances. Bedroom on the main level currently being used as a office with a custom built wrap around desk. Three car garage with new roof. A must see. Conveniently located 10 minutes from Syracuse.

112 Foxcroft Ln.

MLS #S329937

4142 Westshore Manor Rd.

$599,000

Licensed Associate Real Estate Broker

315-436-1937

Spruce Ridge Transitional

Deana Bollinger Ingram

MLS #S339957

507 Cleveland Blvd,

MLS #S340746

$307,900

Manlius - Private, landscaped half acre. Located within walking distance to 3 schools and all village amenities, but without village taxes. Beautiful lg kitchen with solid surface counters, peninsula and plenty of storage incl pantry. French doors lead to screened porch overlooking backyrd w/perennial gardens and a lrg deck. LR & Fam Rm both have FPs and hardwoods. Main bedroom suite has vaulted ceiling, whirlpool tub and 4 closets - 2 are walk-in! Lg guest suite has its own bathrm as well. Basement finished space is perfect for entertaining!

Jamesville - Ever dreamed of leaving work and be water skiing in 10 minutes? Ideal spot on Jamesville Reservoir in sought after JD School district. Detailed craftsmanship throughout this spacious home with living room, stone fireplace in great room, grand formal dining room, main floor master suite, office, library, 1st & 2nd floor laundry, oversized garage with storage, over one and a half acre grounds.

Fantastic Hardiplank siding, radiant heating on 1st floor & baseboard on 2nd floor (both gas fired).

Walk to the dock from your huge screened porch no need to travel, vacation at home!

Located On A Golf Course

Mallards Landing

$109,800

Manlius - Charming home located on a golf course! Beautiful landscaping welcomes you home. The home features a large living room with a nice sitting area, two bedrooms, a large full bath with custom vanity and cabinetry. There is a large, eat in kitchen. The rear views from the rear deck are breathtaking! Relax on your deck and watch the sunset. Beautiful gardens surround the home. Nothing to do but move in. This home won’t last long. Call for a showing today.

MLS #S341147

4598 Widgeon Path

$649,000

Manlius - Grand, Stringer Model balances tradition of fine craftsmanship w/ modern amenities & flowing floor plan of today’s living. Handsome library w/ cherry, formal living room, formal dining room fit for entertaining w/ built-in buffet & wet bar, French doors lead to a sun-filled room. Kitchen fit for a gourmet cook & is outfitted w/ stainless steel appliances.

Breakfast area open to family room w/ fireplace.

There is also a large mudroom & laundry room. Front or back stairs to large master suite, 2 bd w/ shared bath, study & sitting area, 4th bd w/ bath. Lower level w/ fam. rm, full bath & storage.

4453 Twin Pines Dr.

$499,900

Manilus - Pristine and fully modern transitional on 1.1 acres of wooded grounds in Spruce Ridge. Bright twostory foyer, custom trim and fine details throughout, French doors to home office (or main floor bedroom) & formal living room leading to grand dining room, gourmet kitchen has Brookhaven cabinets, Professional 48” Thermador gas range/oven with hood, Sub-zero refrigerator and freezer, Bosch dishwasher, granite counters, farm sink with Franke faucet, pantry, large center island & bright two-story breakfast area open to stunning twostory family room with wall of windows and limestone gas fireplace. Three car garage leads to laundry/mud room. Luxurious master w/ hardwoods, tray ceiling, huge walk-in-closet, and spa-like bath. Finished lower level. Private deck, patio with water fountain.

RealEstateCNY.com

Mortgage F.Y.I Fed delays rate hike, mortgages remain cheap Staff reports

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60 FREE GALLONS Earlier this year, it seemed like a sure thing that the Federal Reserve would raise interest rates this fall for the first time in nearly a decade.

But the Fed tossed a curveball in September, announcing that no interest rate hike is pending, and with weaker jobs reports from late summer and early fall, it now seems likely that the Fed won’t raise rates until late this year, or perhaps next year.

Although the baseline rates established by the Fed don’t necessarily correspond to mortgage rates, this news does suggest that the historically low mortgage interest rates Central New Yorkers have experienced over the last few years are likely to continue for at least the next few months.

Most local banks are currently offering 30-year fixed mortgage rates of around 3.8 percent, down from 4.3 percent a year ago, according to CNN Money. Although there has been some minor fluctuation in these rates over the last several years, with the inactivity of the Fed, rates have been pretty consistent.

Whether the Fed will act is an unknown, just as what the exact impact on mortgage rates will be. But what we do know for certain is that mortgage rates right now are historically low, and anyone looking to lock that in for the next 30 years would be wise to do so within the next few months.

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INSURANCE F.Y.I Home insurance: How much coverage do you need?

When it comes to your home, make sure to have enough insurance to cover:  Your property and belongings: The better your coverage, the less you will have to pay out of your own pocket if disaster strikes.  Self-protection: You need enough liability coverage to protect yourself from lawsuits resulting from your negligence or events that could occur One-Owner Colonial/Split

MLS #S332814

on your property.  Lender requirements: Your housing lender will require you to cover the house for at least the amount of the mortgage or the replacement cost of the dwelling.  Policy requirements: Insurers may

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impose some coverage requirements for replacement cost protection.

Preferred plans usually require policy limits at 100% of replacement cost.

Standard plans usually require policy limits of at least 80% of replacement cost.

Rolling Ridge Farm

MLS #S324507

Licensed Associate Real Estate Broker

O: 315-446-8291 C: 315-243-7305 F: 315-446-0018 eve@realtyusa.com 7593 CAVALRY CIR.

$169,500

Manlius - This unique home, has most magnificent and private, tree-lined grounds with flowers, plantings, water features and a lovely tea house equipped with electricity. Hardwoods throughout, Finished lower level features a playroom.

Mary Anne Cramer

Licensed R.E. Sales Person (315) 671-1624

CAZENOVIA

$715,000

1830’s homestead on the Historic Registry, is located just outside quaint Cazenovia village. The Estate comprises an outstanding home of quintessential Federal-style charm on 28 acres with updated barns and three ponds.

Patricia M. Carmeli

Licensed R.E. Sales Person (315) 655-1025

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Moving scams from page 3 the link so that their customers can not only locate them, but they can also view some of the services offered. Even if a mover does not have a webpage, blogs are free and can be used for anything, even advertising your own company.

Even a listing in the local Yellow Pages would prove that the moving ad is a legitimate one. These are the ads that appear in physical directory books as well as the online version of The Yellow Pages. The online version is free and anyone who is serious about their moving business should at least advertise in the electronic yellow pages.

Being a member of the Better Business Bureau (BBB) also shows integrity for a company. So if you are thinking about getting into the moving business, the Better Business Bureau is the first office that you should visit.

In addition, a legitimate moving company would also be registered with the Chamber of Commerce, Movers Association or Department of Transportation among like groups. If

your prospective classified advertiser is not on the list then you might have some problems. Similarly, if the moving company provides a telephone number for which to be reached and your call directly goes to voicemail or someone casually answers the phone with a simple “hello” then you know that it is either a scam or a relatively new and inexperienced company.

Also, you may not have heard about the moving company before, but that does not mean that they do not exist.

You should network with a few friends and family members to find out if anyone knows about the moving company and the kind of service that they offer.

And while we can all use a bargain wherever we may go to shop, it is probably never a good thing to choose a moving company that has low prices.

Chances are you may actually end up getting the type of service that you have paid for. Instead spend a little extra for a well-established moving company. It’s worth every penny especially when your personal items are involved.

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