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CLASSIFIEDS Homes

Think twice before setting the price

Overprice or underprice? What’s the best strategy?

E1 Times Herald-Record SUNDAY, DECEMBER 8, 2013

Because your business

MATTERS

By Jamie Smith Hopkins

I A. B. C.

The Baltimore Sun

f you want to get the best price for your home, should you: Ask for more than you think it’s worth? Ask for exactly what you think it’s worth?

Ask for less and count on a bidding war to push you over the top?

A study in the Journal of Economic Behavior & Organization this year argues that the answer – despite what you’ve probably heard – is A: overprice. Underpricing doesn’t work for the average seller, the authors say. They suggest that pricing high pays off in an extremely modest way, a boost of about $100 to $200 on average over similar homes. Underpricing in the hope of setting off a bidding war, the study says, nets average sellers a bit less than they otherwise would have received. “The key idea, really, is not necessarily how much more money you will make if you overprice, because that depends on a

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Feature your business for as low as $9.60 per week! Chris Benedetti priced his home to sell quickly, and it did. whole lot of factors,” said study co-author Julia A. Minson, an assistant professor of public policy at Harvard University’s Kennedy School of Government. “We had 14,000 houses we were looking at, so for any particular house, that number is meaningless. ... The main takeaway for all sellers is to not buy into the story that you will make more money if you underprice.”

How fast do you want to sell? Whether overpricing is a smart strategy – as opposed to right-onthe-nose pricing – might depend on how quickly you want to sell. Sales figures from the Baltimore region, which were not part of the study, show a strong connection between how long a home sits on the market and how much the seller has to drop the asking price. The speediest deals in the Bal-

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timore region’s housing market in the past decade – through bubble, bust and aftermath – sold for what the owner originally asked for, on average. After 10 days on the market, the average sales price compared with the asking price started dropping – and kept dropping as time went on, according to data from Rockville, Md.,-based RealEstate Business Intelligence.

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Sunday, December 8, 2013 ∂ TIMES HERALD-RECORD

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Set the right price Continued from page E1

This year, for instance, homeowners who sold after 30 days but within 60 days knocked an average of 7 percent off their original asking price, the company said. The average sellers whose homes sat for six months to a year accepted 13 percent less than they’d originally asked for.

Attractive pricing Chris Benedetti watched his next-door neighbors in Baltimore’s Upper Fells Point wait a couple of months to sell this year and drop their asking price several times. He didn’t want his rowhouse to sit around, particularly since he’d bought a new place. So he took his agent’s advice to ask for $275,000, close to the neighbors’ sale price. Result: He got two offers within a week and a half, gave the would-be buyers a chance to modify their bids, and ended up with a contract for $500 more than his asking price. He’s

scheduled to close on the deal shortly. “The whole story, I think, is the fact that we priced it at a point where it was attractive,” he said. “If we were living there and weren’t in a hurry to sell, then if it took six months, it wouldn’t matter. But when you’re paying the double mortgages, the quicker, the better.” The market statistics showing that price drops increase the longer a home sits on the market make sense to Pat Hiban, who heads a real estate team at Keller Williams in Columbia, Md. He became so frustrated with unrealistically high asking prices during the housing-bust years – when he saw sellers ultimately getting less than they could have received because values fell as they languished on the market – that he set up a blog to talk about the downturn. “The more you try to stretch it in the beginning, the longer you’re going to be on the market, and the more you’re going to end up dropping it,” he said.

Better to wait? Or not? What’s harder to measure is whether sellers are always better off if they set a price that attracts an immediate offer or offers. Could they have done better if they went higher and waited? The downside to data showing how asking prices fall the longer a home sits on the market is that you can’t know for certain the cause. Did it take months to get a deal because the original asking price was too high, or did the seller drop a reasonable price because he got tired of waiting? Or was something else at work? “You can’t run experiments in the housing market,” Minson said. “Basically, what you want to do is have the same house be underpriced or overpriced and see what happens.” She and a colleague, then both at the University of Pennsylvania’s Wharton School, did what struck them as the next best thing: analyzing thousands of single-family home sales in Pennsylvania, Delaware and New Jersey between 2005-09, catching some of the housing

bubble and bust. They looked at the characteristics of each home to try to determine whether it was underpriced or overpriced. According to their study, an asking price of 10 percent to 20 percent more than other properties in the neighborhood equaled a sales-price bump of $117 to $163 for the average home. Overpricing by more than 20 percent produced added gains, though modest ones, they said. That’s for homes that took an average amount of time to sell.

Buyers taking a cue from price Underpricing takes an equally modest amount of money away from average sellers, Minson said. She knows this goes against what many homeowners have heard from real estate agents and others in the industry. But “psychologically, it’s not a very counterintuitive story,” she said. Buyers are subconsciously taking a cue from the asking price. “We just assume that expensive things are nicer,” she said. Jonathan Hill doesn’t know whether Minson’s findings

Is community association president on a witch hunt? BY GARY M. SINGER

choosing which rules to enforce in an arbitrary or capricious way – or that you were singled out for enforcement while other members with the same violations were not. But before you pursue this any further, understand that this would be a very difficult case to prove – and it would be expensive, too. It’s probably just easier to bring your property into compliance.

Sun Sentinel

Q. I live in a neighborhood governed by a community association. Several months ago, I had words with a neighbor who happens to be our association’s president. Since then, I have been receiving warning notices from the management company about every little thing I do in violation of the rules (wrong color mailbox, front lawn too high). Other residents who should be receiving these notes say they haven’t heard a word. What can I do?– Alan A. As small as the violations may seem, you need to follow the rules, even if others aren’t doing so. As the saying goes: Two wrongs don’t make a right. Even though you haven’t spoken to other neighbors who have received violation letters, that doesn’t mean that they aren’t being sent out. You just may not be talking to the actual violators. Sometimes, though, it is

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more than just a coincidence. The association president may really be singling you out as part of a “selective enforcement” campaign. Community

associations are required to treat all their members fairly and equally. You may have a case if you can show that the association is picking and

Gary M. Singer is a Florida attorney and board-certified as an expert in real estate law by the Florida Bar. The information and materials in this column are provided for general informational purposes only and are not intended to be legal advice. No attorney-client relationship is formed. Nothing in this column is intended to substitute for the advice of an attorney, especially an attorney licensed in your jurisdiction. Distributed by MCT Information Services

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would hold true in all markets, given that the bubble and bust hit some states, such as Maryland, differently from the three states she analyzed. Hill, president of RealEstate Business Intelligence, the data arm of the region’s multiplelisting service, also doubts that sellers can “trick the market.” “You’re just going to sit on the market until you come down to where the market is,” he said. Patrick Newport, an economist with market-information firm IHS, sides with the study authors – especially given the state of housing markets in much of the country today. “In most places, I think market conditions are strong enough that ... it just seems a sensible strategy to shoot high and then lower the price if the home just doesn’t sell,” he said.

Is it a bad idea? Still, what the study suggests is a very small impact for the average overpricer or underpricer, said Bob Hunt, a former director of the National Association of Realtors. “That is what, in other contexts, one would call ‘a rounding error,’” he wrote in a piece for the real estate news site Realty Times. Tina C. Beliveau, a real estate agent who leads a team at Cummings & Co. Realtors in Lutherville, Md., is convinced that overpricing is a bad idea. As little as $5,000 or $10,000 above comparable homes can put buyers off, she said. “If there are two gas stations and the one further down the road is 5 cents per gallon less, people don’t go to the more expensive gas station and negotiate with the owner,” she said. “They just buy the cheaper gas. ... The first two weeks on the market, you get the vast majority of your traffic. When you waste that opportunity, you’re playing a game of catch-up forever after that.” But while she and the study’s authors have come to different conclusions about the effect of overpricing, they agree on one thing: Time matters. “If you have lots of money and very little time, then you price your house to sell tomorrow,” Harvard’s Minson said. “If you have infinite time and not that much money, that’s a different story.” Distributed by MCT Information Services


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HudsonValley.com HOMES

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ATTENTION REALTORS: Submit listings at hudsonvalley.com/homes. Deadline is Thursday at noon. Listings will appear two Sundays following date of submission. Questions? Call 346-3253.

BEACON $260,000; Ralph Street, 3 BR/1 BA two-story, 1950 sf, blt. 1890, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: Better Homes and Gardens Rand Realty, New Windsor

CORNWALL $295,000; Sycamore Drive, 3 BR/2.1 BA bi-level/high ranch, 2276 sf, 1.5 ac, blt 1971, LA: Better Homes and Gardens Rand Realty, Monroe/ Woodbury/SA: Better Homes and Gardens Rand Realty, Stony Point

HIGHLAND MILLS $137,500; Skyline Drive, 3 BR/2.1 BA raised ranch, 1258 sf, blt 1969, LA: Keller Williams Realty, Highland Mills/SA: Better Homes and Gardens Rand Realty, Central Valley

MIDDLETOWN $169,000; Randall Heights, 3 BR/1 BA ranch, 1976 sf, blt 1957, LA: ARC Realty #1 in Sales, Monroe/SA: John J. Lease Realtors, Middletown

MOUNT HOPE $247,000; Kohler Road, 3 BR/2.1 BA bi-level, 1840 sf, 3 ac, blt 2013, LA: ARC Realty #1 in Sales, Monroe/SA: ARC Realty #1 in Sales, Monroe

CAMPBELL HALL $332,000; Quarry Road, 4 BR/2.1 BA colonial, 2387 sf, 4.5 ac, blt 1986, LA: Century21 E&M Williams Realty, Walden/Montgomery/ SA: Better Homes and Gardens Rand Realty, Goshen

GOSHEN $270,400; Fox Road, 4 BR/2.1 BA split-level, 2299 sf, 5.2 ac, blt 1984, LA: RE/ MAX Benchmark Realty Group, Middletown/SA: RE/MAX Benchmark Realty Group, New Windsor

HIGHLAND MILLS $200,000; Timber Trail, 3 BR/2.1 BA town house, 1575 sf, blt 1978, LA: Weichert, Realtors, Monroe/SA: RE/MAX Benchmark Realty Group, New Windsor

MILTON $281,500; Ridge Road, 3 BR/3 BA bi-level/high ranch, 2200 sf, 1.05 ac, blt 2013, LA: Better Homes and Gardens Rand Realty, New Windsor/ SA: Billesimo Real Estate Inc., Marlboro

NEWBURGH $370,000; Chestnut Lane, 2 BR/2.1 BA ranch, 33131 sf, 3 ac, blt 1957, LA: John J. Lease Realtors, Newburgh/SA: RE/ MAX Benchmark Realty Group, New Windsor

CENTRAL VALLEY $550,000; Greenwich Ave., 4 BR/4 BA colonial, 4040 sf, blt. 2002, LA: John J. Lease Realtors, Newburgh/SA: John J. Lease Realtors, Newburgh

GREENWOOD LAKE $55,500; Fourth Road, 2 BR/1 BA cottage, 720 sf, blt 1940, LA: ARC Realty #1 in Sales, Monroe/SA: ARC Realty #1 in Sales, Monroe

MARLBORO $274,000; Ridge Road, 4 BR/3.1 BA colonial, 2688 sf, 1 ac, blt 1989, LA: John J. Lease Realtors, Newburgh/SA: NonMLS Broker, Further info n/a

MONROE $215,000; Maple Lane, 3 BR/2 BA ranch, 1460 sf, blt 1964, LA: Panarelli Realty, Goshen/SA: Weichert, Realtors, Monroe

NEWBURGH $46,500; West Parmenter St., 3 BR/ 2 BA two-story, 1216 sf, blt. 1900; LA: John J. Lease Realtors, Newburgh SA: John J. Lease Realtors, Newburgh

CHESTER $390,000; Ruth Lane, 4 BR/2.1 BA colonial, 2612 sf, 5 ac, blt 1995, LA: Regal Homes & Properties, LLC, Warwick/ SA: Regal Homes & Properties, LLC, Warwick

GREENWOOD LAKE $270,000; Lake Street, 3 BR/2 BA split-level, 1800 sf, blt 1973, LA: Keller Williams Realty, Highland Mills/SA: ARC Realty #1 in Sales, Monroe

MIDDLETOWN $129,900; Jordan Lane, 3 BR/2.1 BA town house, 1507 sf, blt 2004, LA: John J. Lease Realtors, Middletown/SA: Chewens & Associate LLC, Harriman

MONROE $205,000; Salvatore Court, 2 BR/2.1 BA town house, 1300 sf, blt 1993, LA: Weichert, Realtors, Monroe/SA: Better Homes and Gardens Rand Realty, Central Valley

NEWBURGH $125,000; South Plank Road, 3 BR/2.1 BA multifamily, 1419 sf, blt 1920, LA: RE/ MAX Benchmark Realty Group, New Windsor/SA: RE/MAX Benchmark Realty Group, New Windsor


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HudsonValley.com HOMES

Recent sales

ATTENTION REALTORS: Submit listings at hudsonvalley.com/homes. Deadline is Thursday at noon. Listings will appear two Sundays following date of submission. Questions? Call 346-3253.

NEW WINDSOR $45,000; 18 on the Green, 1 BR/1 BA condo, 750 sf, blt 1965, LA: Century21 E&M Williams Realty, Walden/ Montgomery/SA: Century 21 E&M Williams Realty, Walden/Montgomery

NEW WINDSOR $162,000; Washington Green, 2 BR/2 BA condo, 1029 sf, blt 1989, LA: RE/MAX Benchmark Realty Group, New Windsor/SA: Non-MLS Broker, Further info n/a

WALLKILL $317,576; Ralph Brach Drive, 4 BR/2.1 BA colonial, 2324 sf, 2 ac, blt 2013, LA: Panarelli Realty, Goshen/SA: Regal Homes & Properties, LLC, Warwick

WARWICK $50,000; East Shore Road, 2 BR/1 BA cottage, 862 sf, blt 1945, LA: ARC Realty #1 in Sales, Monroe/SA: ARC Realty #1 in Sales, Monroe

WASHINGTONVILLE $165,000; Peacock Circle, 3 BR/1 BA ranch, 960 sf, 1.7 ac, blt 1965, LA: Better Homes and Gardens Rand Realty, New Windsor/SA: ARC Realty #1 in Sales, Monroe

NEW WINDSOR $219,000; Plover Court, 2 BR/2.1 BA condo, 2132 sf, blt 2003, LA: Bernadette Gillespie, LLC, Newburgh/SA: Taylor Real Estate, Cornwallon-Hudson

SALISBURY MILLS $420,000; Brian Court, 4 BR/2.1 BA colonial, 2846 sf, 3.5 ac, blt 2005, LA: RE/MAX Benchmark Realty Group, Central Valley/SA: Coldwell Banker Residential, New City

WARWICK $390,000; Coppergate Lane, 4 BR/2.1 BA colonial, 3150 sf, 1.3 ac, blt 1999, LA: Regal Homes & Properties, LLC, Warwick/SA: Weichert, Realtors, Monroe

WARWICK $173,000; Park Avenue, 3 BR/1.1 BA ranch, 1586 sf, blt 1967, LA: ARC Realty #1 in Sales, Monroe/SA: Raynor Country Realtors, Warwick

WESTTOWN $345,000; Toad Pasture Road, 2 BR/2.1 BA colonial, 2867 sf, 5 ac, blt 2004, LA: Linda Czubak Realty, Warwick/SA: Better Homes and Gardens Rand Realty, Goshen

Local loan rates Local Banks

!NNUALPERCENTAGEYIELDS

2ATESCHARGED (OMELOANS

.EWCARLOANS 5SEDCARLOANS -ONEY #ERTIĂŞCATEOFDEPOSIT MARKET MO MO MO MO MO MO MO %QUITY

Berkshire Bank

N/A

0.45

0.5

Catskill Hudson Bank

.40

.35

0.50

1.05

N/A

N/A

N/A

Unsecured Improve- personal ment loans

N/A

N/A

N/A

N/A

.80 7.25@ 7.50@ 8.75@ 9.25@

NA

NA 11.00@

Local Credit Unions Hudson Heritage FCU Kolmar FCU Matteawan FCU

Greater Hudson Bank .05-.60v

0.35

0.50

1.20

8.25

8.25

9.25

9.25

CB

6.50

9.50

Empire State Bank

0.30

0.40

.95

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Mid-Hudson Valley FCU

N/A

O&R EFCU

0.10-0.45

First Fed - Middletown

.55v

.25

.45

NO

N/A

Jeff Bank - Jeffersonville 0.10

0.30

.40

0.75

3.75

Orange County Trust Rondout Savings

.30@

.30

.45

1.00

0.26

0.30

0.55

1.10

N/A

N/A

N/A

4.25v

3.75 ^4.25 ^4.25

5.75

N/A

N/A N/A

N/A

6.25

5.25 5.325 5.250 5.375 ~4.625

N/A

4.50 13.00

N/O

N/O

.15

0.30

0.50

1.05 1.49@ 1.94@ 2.99@ 2.99@ 2.99v@ 10.50 10.50

.15@ 0.351 0.551

.702 1.99@ 1.99@ 1.99@ 1.99@ 4.99@ 5.84@ 8.50@

.351 .35

.10

.35

.67 ~2.39 ~2.39 ~3.34 ~3.34 ~4.00 ~5.25

0.10-0.25

0.30

0.50

1.10 4.375

N/A

N/A

N/A

.25@

0.30

0.45

1.00

7.25

8.25

8.50

N/A

N/A

1.10 ~2.49 ~2.49 ~2.49 ~2.49

.15

.50

7.00

7.50

0.55

.150

State Farm Bank Hometown Bank of HV

0.25

.35

N/A

N/A

Ulster Savings

N/A

.4

N/A

N/A 5.625

N/A

0.30@

N/A 10.25 7.00 14.00 N/A

US Alliance FCU Wallkill Valley Fed. S&L

0.50 1.10@ 2.24@ 2.75@ 3.49@ 3.74@ 1.99@v 1.99@ 10.99@

.25-.60

.25-.35

N/A

N/A

0.35

TEG FCU

N/A

7.25

.35@

Palisades FCU

N/A

2ATESCHARGED

(OMELOANS Unsecured .EWCARLOANS 5SEDCARLOANS -ONEY #ERTIĂŞCATEOFDEPOSIT Improve- personal loans MARKET MO MO MO MO MO MO MO %QUITY ment

N/A 10.00

Sawyer Savings

8.75

!NNUALPERCENTAGEYIELDS

.20@ 0.25@ 0.65

N/A

4.00

4.00

8.00

~3.2

.35@ 2.99@ 2.99@ 2.99@ 2.99@ 4.490@ 1.99@ 9.99@ 1.11

2.24

2.99

2.24

2.24

4.50

NO

9.25

.501 1.004 ~1.99 ~1.99 ~2.99 ~2.99~3.50v/~5.99fN/A 7.99@ .60

N/A

N/A

N/A

N/A

4.25

7.00

N/A

N/A

N/A N/A

4.25v 6.00@ 11.75@

New loans are based on a $10,000 loan. Variable home equity rates are based on the current Prime rate of 3.25%. Fixed home equity and improvement loans are based on $5,000 loan. Unsecured personal loans are based on $2,500 loan. N/A = current rates not available. f = fixed rate. v = variable rate. * = customer rate. NO = not offered. @ = Special rate; - =Contact bank or credit union for details. ^ = for models under two years old. ** = variable APR. ~=as low as. A = auto deduct. CB = contact bank. T = 13 month CD. Data compiled by Shaniquah Gabino: Subject to change without notice. Information is provided by the financial institutions. Compiled 12/06/13.


8E

Sunday, December 8, 2013 ∂ TIMES HERALD-RECORD Apartments

MIDDLETOWN HIGHLAND 120 WICKHAM AVE LARGE 1 BEDROOM + DEN 3 bdrm apt. $900-$1000 End unit, parking next to unit, on-site Unfurnished room $400-$500 laundry, private/quiet neighborhood, next to Loyd Town Hall, near Rte 9W, INCL HEAT/HOT WATER mins to POK Bridge, Metro North, Rte SENIORS WELCOME 9 & Hospitals. $925/mo. Heat & Hot Available immediately Water Included. 1 Month’s Security. Rent & security. No pets. Call 845-453-0047 845-342-6199 LIBERTY Liberty Manor Apartments MIDDLETOWN 14 Maryland Ave. Stay warm in the winter electric & W/D & cool in the summer 2 BEDROOM 1 & 2 bedroom available w to w walk in closet Free Heat/Hot Water 1/2 dry bsmnt for storage 1 car off st parking skylights, tile bath,private yard ,P garden no smoking or dogs LIBERTY, NY $1050 1& 1/2 mo sec & credit ck 845-858-8390

Call Now 794-6660

Wall to Wall Carpet, New Appls, Heat & Hot Water Incl.

MARLBORO

1 BEDROOM APT.

$210/wk. or $750/mo plus sec. Full kit & bath. Pvt entrance, country setting. Ground flr accommodations.

INCLUDES UTILITIES

Call 845-236-7422

MIDDELTOWN Spacious 2 Bedroom Apartment $850 Per Month + Security TENANT PAYS UTILITIES Please Call: 845-283-9394 Rent your home. Call 845-341-1100 ext. 3600

MIDDLETOWN 1 BEDROOM $850/mo No off-street parking. 3 BEDROOM $1,200/mo Off-street parking for 1 car. Available 12/1 Plus Sec & Utilities. No Pets 845-744-6350 MIDDLETOWN

2 BEDROOM APARTMENT ALL UTILITITES INCLUDED 1 MI OUTSIDE OF CITY LIMITS $1,350 per Month + Sec AVAILABLE IMMEDIATELY 845-343-8459 or 845-741-6472

Apartments

MIDDLETOWN $1275/mo.

∂2 bdrms

Apartments

Middletown - Goshen Schools

BREWERY APARTMENTS

Cambridge Manor

1Bedroom Apartments

Super Special

Heat/HW included Income Restrictions apply Equal Housing Opportunity Please call today 845-342-2720

$1000/mo

∂1 BDRM $875 No pets. No security

Lg, Beautiful 1BR, 2 Lg Walk In Closets, Private entry, newly renov with new kit, Exc cond Heat/HW, incl. Call 845-590-4141, 692-2121

845-343-0494 or 845-239-2415 MIDDLETOWN Heat & Hot Water Incl. Pool, on-site laundry, Easy Commute, Close to Shopping. Cats & small dogs now welcome.

MIDDLETOWN

AFFORDABLE!!

ûRENTAL SPECIALSû û1 & 2 BEDROOMS û

MIDDLETOWN

EVERGREEN MANOR APTS Immediately available Spacious 1 BR

Heat & Hot Water Incl. 1 & 2 Bedroom Apts. Pool, on-site laundry, Easy Commute, Close to Shopping. Cats & Small dogs now welcome

Country Manor (845) 343-2221 www.aptHP.com MIDDLETOWN

BOULDER POINTE

2 & 3 BDRMS AVAIL NOW , UP TO $600 OFF @ Move in GATED COMMUNITY 866-584-0752 boulderpointeapts.com

Some conditions apply

Selling Your Home?

www.aptHP.com MIDDLETOWN

MIDDLETOWN FREE WI-FI

1BR Apt, Newly Renovated with new kitc, A/C, New HW Flrs, Balcony, Incl Heat, Hw, Cooking Gas. Conv to Shop. Pets Ok 845-590-4141 or 845-692-2121

Middletown Village Apts Super Special

2 BEDROOM $1067 - $1132 Heat/HW & Cooking Gas Incld Fully equipped kitchen with DW Wall to Wall carpeting Patio / Balcony with unit EZ access to Rt. 17 & 84 845-343-0300 92 Fitzgerald Dr, Middletown

343.7000

Apartments

Apartments

MIDDLETOWN MONTAGUE, NJ SPACIOUS 3 BDRM DULEX $1300/mo plus util. 1 mo sec. 1st flr Fall Rent Specials LR, kit, DR., 2nd flr, 3 BR & bath. IN COUNTRY CLUB COMMUNITY Brand New Construction Avail. immed. Swim, Fish, Boat, Tennis, Golf & Luxury Apartment Homes μMINISINK SCHOOLS More. $625/mo plus util. One Bedroom apts from $1,325. / Studio Apt. $600 plus util. 1 mo. seAsk About Easy Start Up! Two Bedroom apts from $1,495. curity. Nice quiet residential area 973-402-8648 1-2 month free rent on select apts w/plenty of parking. Avail. immed. Individual Controlled Central Air/ Heat 845-294-4223, 845-545-0212 MONTICELLO Washer / Dryer in each apt Come Home for the Holidays Free Private Fitness Center MIDDLETOWN Club Room Colonial Hill Apts. STUDIO APT Playground / Half Basketball Court All Utilities Included 1 bdrm avail. Free Heat/Hot Water & 888-997-2149 Clean, modern, ground level. Nice Cooking Gas Amenities include: Pool, www.northwoodsny.com yard, private parking, no pets. $772 + sauna, d/w, w/w carpet, a/c, 300 Northwoods Rd $850 sec. Back ground ck req. No re- laundry facility Middletown NY 10940 Call now 794-6660 altor fee. Free DVD player or Micro(Rt 211 to Silver Lakewave with signed lease. *1 year lease and no dogs Scotchtown Rd) Call 845-304-3983 198-202 Monhagen Ave MONTICELLO MIDDLETOWN, NY 1 & 2 BR APARTMENTS MIDDLETOWN ROCKWOOD GARDENS Apts Spaceious 1, 2, 3 bedroom apts, "Get them while they last! " Towne Terrace Apts heat & hot water incl. Check our website: 1&3 Bedroom Apts. Pool! rockwoodgardens-apts.com Quiet! Park-Like Atmosphere. 845-692-2939 845-343-3189 Mon - Fri 9-5; Sat 9-3 MONTICELLO/Sackett Lk Area STUDIO HOME MONROE MIDDLETOWN/SCOTCHTOWN Newly renovated, with deck and yard. 1&2 BR Apts From $1149 $550/mo + utilities. 1 month’s securLAMPLIGHT VILLAGE ity. Call / 845-794-7493 Rent includes heat, hot water, w/w, appliances, C/A, cooking gas. Playground and pool. No pets. Beautiful MONTICELLO VILLAGE VERY PEACEFUL AREA landscaped grounds and quiet setting. FRESHLY PAINTED ÂÂ BRAND NEWÂÂ Non-smoker & No pets. $750/mo. MW Schools. 845-783-4026 ûAPARTMENTSû Call 845-692-4054 2 & 3 BDRMS 2 BATH AVAILABLE, MONROE Modern apts, SS appliances, hardMIDDLETOWN/Scotchtown wood floors, security surveliance Large 2 Bedroom Apt. COUNTRY SQUIRE APTS NO BROKERAGE FEE 3.5 Bath, Sunroom, patio, finished 1BD Apt, lg spacious living rm, din- room & basement, garage, nice locaCALL IVY PERRACE ing rm and bedroom area. Brand tion. No smoking. $1,650/mo plus 855-489-8377 New renov’d kit & bath Pets ok. Utilities. First, Last & Security. 845-590-4141 or 845-692-2121 Sell your home. E-mail realestate@th-record.com Call 845-283-3549 MIDDLETOWN

1 Bed Condos

Northwoods Apartments

Jefferson Gardens

Mins. from shopping & major hwy Call for details: 845-344-0202

Sell your home.

Advertise in the Times Herald-Record

MIDDLETOWN, NY

Silver Lake Gardens

our classifieds help bring readers to your door

Times Herald-Record Sell your home. Classifieds Get Results! Advertise in the Times Herald-Record.

www.recordonline.com

Apartments

MIDDLETOWN

∂3 BDRMS

845

Valley View Gardens

TO PLACE YOUR AD CALL 845-341-1100, option 5 Apartments

Apartments

Studio 1-2-3 BR

Unbeatable value, service & loc.

Sell your home. E-mail realestate@th-record.com

1 bdrm apt

All utilities included

H U D S O N V A L L E Y

.com/homes

Step into your future

NEWBURGH – BALMVILLE, NY

$329,000

MONTGOMERY

OPEN HOUSE SAT. & SUN. 1PM - 3PM

OPEN HOUSE SUN., 12/8 1-4PM

River Views. This 3 Bdrm, 2.5 bath home offers the perfect blend of comfort, style & convenience. Meticulously kept both inside & out. HW floors, gas FP, C/A, updated baths & kitchen w/ granite counter tops & stainless steel appliances, 9ft. ceilings w/ recessed lights, MB has cathedral ceiling.

JOE DEGIRONIMO 845-344-2800 WE SELL NEWBURGH!

GOSHEN, NY

$369,900 AND UP! OPEN HOUSE SAT.12/7 & SUN.12/8,12PM-3PM

HARNESS ESTATES Phase II has begun. Includes hardwood floors, granite counters, GE SS appl & Kohler fixtures. This Cambridge Model is located on Murray Ave #201. There are several models to choose. Come visit Ellen at the Open House! Dir: Rt 17W to Exit 124, N on 207, L on Scotchtown Ave, 3rd R on Murray Ave.

Ellen Barrett 845-742-1131

MIDDLETOWN, NY $249,000 & UP! OPEN HOUSE SUN 12-3PM

BEAVER DAM ESTATES - FREE GEOTHERMAL heat/ac/hw system. No oil/gas bills. Fed Tax credit. Save $$. Oak floors, GE SS appl, Granite tops. Lexington Model one of 30 new homes + 100 floor plans available. Schedule an appointment with builder for personal attention to customize your new home that fits your budget. WEB#537572 Dir: Rt 17W to Exit 120, R-Rte. 211E, R-Chandler, R-Beaver Dam Rd, 2nd R-Tweddle Farm Ln.

Ellen Barrett 845-742-1131

Visit Marion Bruhns 845-744-8100

BALMVILLE, NY

$895,000

OPEN HOUSE SUN 12/8 11-44 PM

LIBERTY COMMONS Luxury Townhomes. Includes Oak Cabinets, GE appl & Kohler fixtures. This model is located on Pinto Rd #35. Come visit Ellen at the Open House!

Dir: NYS Thruway to Exit 6, to Route 17W. Proceed 14 miles to Exit 120 (Middletown). R on Rt 211 E approx 2 miles to Goshen Tpk. At light turn L, continue to Pinto Road.

$324,900 & UP!

THE PINNACLE Luxurious & new with amazing North & South Hudson River views. Classic 2-story home w/ grand entry, oversized deck, gourmet granite kitchen, 3-car garage. Elegant details throughout. Loaded with extras & situated in prime location. MLS#532655. Dir: Rte 9W to rgt on Fostertown Rd to Balmville tree to lft on River Rd, follow to The Pinnacle on rgt.

Serls Prime Properties

Diane Shumway 845.244.2121 / 914.475.1300 www.prudentialserls.com


www.recordonline.com

TO PLACE YOUR AD CALL 845-341-1100, option 5

Sunday, December 8, 2013 ∂ TIMES HERALD-RECORD

9E

!     

      

  

Country 3 bedroom 1 1/2 bath 2 story home and 24 x 24 heated garage w/ loft. Many recent updates, upgraded electric, new septic and well. Woodstove in living room Eat in kitchen, enclosed and insulated front porch. Pretty meadow on 2.56 acres, and borders 384 acres of NYC watershed property. Great for hunting, hiking, ďŹ shing.



  

  

28 acre farm, late 1800’s farmhouse with 3 bedrooms and 2 full baths. Wide board oors, period hardware, wainscoting ceilings and walls in upstairs bedrooms. Brick ďŹ replace in living room with a sunny reading alcove, wood stoves in kitchen and bedrooms supplement the oil f/a heating system. Barn, ponds, ďŹ elds and woods, frontage on the rondout creek.

Impressive cut stone and stucco tudor. Kitchen has large brick hearth w/ indoor grill, cooktop, wall oven. Very formal dining room, w/ french doors to bluestone patio, Large family room with Stone ďŹ replace and a large formal living room. Master suite, and 2 generous bedrooms and full bath on 2nd oor 2nd family room, game room and exercise room with sauna, below. Barn and fenced paddock for horses on 10.65 acres. 2 car garage.





Cute and cozy cottage with very spacious kitchen. Living room offers a pellet stove, and sliders to enclosed front porch which is usable during most weather. New gas range refrigerator, stacking washer and dryer. 2 bedroom and 1 bath. F/a propane heat. Level .38 lot with mountain views. Low taxes, quiet area.

 



Overlooking the Vernooy Kill from the rear deck, sits this well maintained 3 bedroom bi-level. Updated kitchen w/ mission style cabinets, skylights and garden window. Beamed vaullted ceiling in Living room and dining room. 2 full baths. Screened porch. Workshop in basement with space for additional living area.



  



  



 

  

57 Acre farm, large farmhouse with 8 bedrooms, spacious eat in kitchen with freestanding ďŹ replace & breakfast bar, large living room with stone ďŹ replace, ceramic oors. New roof, recent furnace. Large barn with hayloft, fenced corral. Outdoor stone BBQ w/ brick oven. Fields for crops and animals. Additional 159 acres available and adjoins this property w/ a pond. Call for details.

Great buy for this 3 bedroom, 2 bath, totally renovated from top to bottom colonial. 1st oor is open oor plan combining large kitchen w/ center Island and living room. 1 full bath. Upstairs are 3 bedrooms the master is very big and 1 full bath, 2nd story has sliders to rear deck and back yard, 1.8 acres. Move in condition.

Village setting, 2 story renovated 2003. Features 3 bedrooms, 2 baths Pergo and w/w carpeted oors. Small yard for those too busy to spend their time off doing yard work. Double lot w/ out building.

Opportunity to own a private mini estate. Renovated 4 bedroom raised ranch, Updated kitchen w/ ss appliances, granite counters and ceramic tile oor. Beautiful hardwood oors thru out main level. 3 nice sized bedrooms. Down stairs is a family room w/ french doors, a 4th bedroom plus additional ofďŹ ce/den area. The former carriage house has been renovated and is a rental unit, w/ 2 bedrooms. Barn, pond ďŹ elds and woods make up the 141 Acres. Long driveway.

Duplex in hamlet. 2 story living on both sides, each offer 2 bedrooms and 1 bath. Kitchen, living room and dining room on 1st level. Fully rented. One half has been renovated, the other side has original details. Separate utilities, basement and garage for each unit. Great opportunity to live in one side and collect rent from the other. Quiet street.



  

 



1 bedroom 1st oor condo. Kitchen includes dishwasher,range, refrigerator and microwave. Move in condition. Walk in Closet. Combo washer/dryer. Electric heat, rear door to patio with storage closet. Low taxes and maintenance fees.



3 Bedroom ranch w/ 1.5 baths. Large kitchen w/ pantry, formal dining room, entertaining size living room. generous bedrooms with double closets, hardwood oors. Full walk out basement with a ďŹ nished room and storage. One car garage under and one car garage attached at main level. on 1.40 acres Low tax area.

  

  



COMMERCIAL

2 Townhouse complexes, built in 1989. Bldg #1 renovated in 2004 has 2, 3 bedroom 1.5 bath end units 2, 2 bedroom 1.5 bath middle units. Bldg # 2 renovated in 2006 has 2, 3 bedroom 2 bath end units and 2 2 Bedroom 2 bath middle units. All have washer/dryer hookups. Fully rented, tenants pay all utilities. Financials available.

 

 

 

 

 

ULSTER HEIGHTS

$240,000

US Hwy 209 Prime 4 acres with vil water & sewer avail

ULSTER HEIGHTS

$159,000

US Hwy 209 Very near new Napanoch Wal-mart 2.25 Ac

78.5 acres, both sides of the road 48.1 acres, lake frontage wooded

BRIGGS HWY

$600,000

159 acres, pond, ďŹ elds, woods

GREENFIELD PK

$375,000

95.10 acres 1/3 ďŹ elds, 2/3 woods

FALLSBURG

$245,000

25 acre ďŹ eld,+10 acres river frontage

OAK RIDGE

$169,000

47.57 wooded country acres

MARTINFELD RD.

$42,000

11.80 wooded w/ stream & waterfall

$395,000

$450,000

US Hwy 209 Next corner from Wal-mart plaza .75 Acres

$125,000

US Hwy 209 comm bldg opposite shopping Plaza .40Ac

$139,000

N Main Street Store, 3 apts, and small warehouse

$199,000

15,000 sq ft factory & ofďŹ ce space Triple net rental

$3,000.PER MO.

GAIL M. VESELY, LICENSED REAL ESTATE BROKER 845-647-8020 • CELL: 845-901-4553 E-MAIL: GAILMV1954@AOL.COM 28 N. MAIN STREET (RTE. 209), ELLENVILLE, NY • WWW.LUCILLEHANDREALTOR.COM


10E

Sunday, December 8, 2013 ∂ TIMES HERALD-RECORD Apartments

Apartments Newburgh 1 Bedroom w/w carpet, new windows, new appliances. $795.00 per month. 1 mo. rent 1 mo. security. Available 12/15/13. Call M-F 830a5p 845-562-5751.

NEWBURGH, TOWN

NEWBURGH, CITY

3 miles to STEWART Airport Apartment Community on well maintained grounds, with large new decks Beautiful country setting Very private Convenient to all shopping NYS Thruway & Route I 84&train On-site laundry facility On site maintenance Heat & hot water included ***********************

3 BEDROOMS - LIBERTY ST

$950 PER MONTH. + UTILS Freshly painted, 3rd floor. DSS ok. Security & References Req. Call 845-821-5327 AVAILABLE IMMEDIATELY! NEWBURGH, City of 1 BEDROOM APT $600 to $850 2 BEDROOM APT $750 to $950 3 BEDROOM APT $850 to $1,200 No Fee to Tenant • 845-787-2193

GREEN HOUSE APARTMENTS

1, 2 & 3 Bdrms Avail

Milton Townhouses

û 2 BEDROOMS APT û

ALL UTIL’S INCLUDED!!! Hudson River View! Near Waterfront & Restaurants. Upgraded Apartment and Kitchen with Granite Back Splash. - Call 845-554-9448 Newburgh GRAND ST. APT FOR RENT - Spacious, Full Kitchen, Hardwood, 2bdrm apt on 2nd fl in Victorian building, tenant pays heat & elec, no pets, 1st months rent +1 month & half security dep, avail 12/15th, $950 a month call 914-805-5341 or 5257 ask for John. NEWBURGH, TOWN

APARTMENTS

2BD, 1BA & 3BD, 2BA Private Entrances, No Utilities Included. No pets. Call: 845-565-0818 for more information

NEWBURGH, Town of

1 BEDROOM DUPLEX

Country setting in a very nice area, close to highway and shopping. No smoking, no pets. Utilities not included. $875/mo. 1 months’s rent plus security and references. 845-895-9095 or 914-879-9888 btw 9am & 8pm NEW WINDSOR

1, 2, & 3 BRS, Rt. 94 û2 Bedroom Specials û SPACIOUS

Beautifully upgraded with new: Kitchen Baths Carpeting, Pool & play area. Heat & hw incl.

Call today for move-in specials!

845-562-4107

NEW WINDSOR

Selling Your Home? Make Your Home at our classifieds help bring readers to your door

Times Herald-Record Classifieds Get Results!

NEW WINDSOR

Starting at $915

$500 Free in rent when you move in by December 15th; Only 2 apartments available!! Heat & Hot Water Included Spacious 1 BD & 1Bd Dens Air Conditioning, Pool Close to shopping. Close to transportation

Call Today For more info (877) 871-7323 Mon- Fri 9-5

NEW HAMPTON 2 bedroom, 1 full bath duplex for rent Minisink School District $1200.00 a month Electric Included - Heat Separate One Month Security - One Pet Allowed - Laundry Hookup available Call 845-343-6443 between 9-5

SOUTHGATE VILLAGE

A caring community with 24 hour emergency maintenance. Largest 1&2 br with beautiful wood decks & play area. Heat and h/w included. No pets. 845.561.1180 Please visit us on the web : southgatevillageapts.com

F atured

HOMES

BEAUTIFUL COUNTRY PROPERTY

New Construction Colonial located on 2.7 acres in prestigious Restorative Estates subdivision. Feats 4 bedrooms, 2.5 baths, hardwood floors, fireplace & central A/C. Kitch boasts 9’ ceilings, maple cabinetry & granite countertops. Master bedroom w/walk-in closets, tray ceilings, Jacuzzi tub & full sized tiled shower. Heated garage, full walk-out basement & back deck complete this amazing home located in the desired Minisink Valley S/D.

335 OLD MOUNTAIN ROAD

4 Acres - Barn, 2 Horse Stalls, Stream & 3 spring-fed Ponds. Spacious Cape Cod, 2/3 bdrms, 2 baths, woodstove & fieldstone wall. New Roof, Inground Pool, Deck, Convenient tri-state area near I-84 & train. Minisink Valley Schools. A Must See Home!

$244,000

CALL: JOYCE KLIMKIEWICZ ASSOCIATE BROKER CELL: 845 665 5074 OFC: 845 610 6065

To Advertise on this page contact

Jen Olsen

Call (845)381-5777

845-341-1100 ext. 3600

www.RealtyPromotions.net

Rates As Low As $59

Now $339,900

WINDSOR TERRACE 1 BDRM $935-$970 3 BDRM $1419

www.towermgt.com 1 Month Security Heat and Hotwater Included On-Site Parking Laundry Facilities On-Site Close to Shopping & Transportation Now allowing pets 25lbs or less

845-561-1034 for further information PORT JERVIS

TUDOR GARDEN APTS 1 & 2 Bedrooms From $765 per month Heat & H/W Included È Call 845-856-3398

SLATE HILL 2 Bedroom Apartment Minutes to Middletown Big Kitchen, Laundry/Bath, Front realestate@th-record.com Porch, Attic Storage, Off Street Parking, Natural Gas Heat, Immaculate, Well Insulated. No Smoking/Dogs. PORT JERVIS $1000 + 1 1/2 Mo Security 3 BEDROOM APARTMENT References Required LR, Bath, DR, Kitchen, W/D Hookup Call: 845-858-8390 Leave Message and Attic Storage. FRESH PAINT - NEW CARPET SUGARLOAF $925 Per Month + Utilities BEAUTIFUL 1 BEDROOM Security - References - No Pets Private Apartment for Person Call: 845-627-0448 Share Converted Barn $1,195 Includes Utilities PORT JERVIS Please Call: 845-537-9171 25 EAST MAIN STREET NEWLY RENOVATED WALDEN

2 BEDROOM

Town of Wallkill

NEW WINDSOR

Sell your home. E-mail

On 1st Floor Small Pets OK, Parking Included $800 Per Month Includes Heat Tenant Pays Electric PLEASE CALL: 516-661-1133

TOWN OF GREENVILLE

Apartments

336 Old Forge Hill New Windsor New: Saturday Hrs 10am-4pm

2BR/2.5BA Avail starting at $1250

www.Greenhouseaptsny.com NEWBURGH, CITY OF GRAND STREET

TO PLACE YOUR AD CALL 845-341-1100, option 5

Apartments

Beautiful 2 Bedroom Apt. RECENTLY RENOVATED 2 PARKING SPACES, VERY LARGE ROOMS, NATURAL GAS. $1,000 PER MONTH PLUS UTILITIES PLEASE CALL 201-923-9199 WALDEN TIN BROOK APTS 2 BDRMS Private entry leads into open floor plan. Central a/c, natural gas heat, d/w, gas range, w/d connection, large closets, private deck. Beautiful yard. No pets/smoking. Refs & sec req. Avail. Jan 845-255-5047

Apartments WOODRIDGE Looking for a place to call home Look no further BELLE HARBOUR APTS. Is your answer 2 bdrm avail With Free Heat / Hot Water. 794-6660 *Qualified new applicants only

www.recordonline.com Condos & Townhouses for Rent MONTICELLO

Winwood Condos for Rent

Property for Rent

WARWICK

Heritage Green Apts. Super Special

1&2Br, heat & hot water included. Excellent Condition, No Pets. 1 1/2 mo security required. Senior discount offered

845-987-2306

MOUNT HOPE/HOWELLS Beautiful 3BR home. New kitchen and applis. Located on a quiet piece of property. $1400/mo+ utils (approx $300/mo) Excellent refs required. Please call 845-590-4141

Quiet Comfortable Living LUXURY 1 & 2 Large Bedrooms. Balcony, Laundry facilities 2nd floor. H/HW included. Security system, intercom & elevator. Close to shopping Raceway & Golf courses. No pets. NEW WINDSOR WURTSBORO Owner/Management on premises. 3 BDRM BRICK RANCH 1 & 2 Bedroom Apts. Call 845-791-8420 LR, DR, EIK, basement, w/d hook-up, Small house very private, just renovator cell 845-807-7193 yard and parking. No pets/smokers. ed, no pets. 1 BR $600 - 2 BR $850. $1,475/Mo plus Utilities. One month security and one month NEW WINDSOR 1st Month’s Security &References 1 BEDROOM rent. Avail. immediately. Call 917-972-1426 Call 845-222-2196 Dennis Squire Village Condo newly painted, tiles, SMALLWOOD WURTSBORO: use of the pool, heat included! 2 BD, 2 BA Spacious Mfd. Home $850 mo plus elec. no pets 3 BDRMS, 1 BATH in Blue Sky Manor, New Carpet & Sec req’d. Sec. 8 OK RECENTLY RENOVATED Lino. Deck, Shed, Wash/Dryer. Call 845-300-2998 or 845-591-1674 w/d hookup. New Carpet & wood $795/Mo + Util, Security. 888-4600 floors. Front porch. Oil heat. Nice Homes for Rent quiet area. $950/mo plus security & WURTSBORO references. Small pets ok. Rent or TOWN OF MAMAKATING 2 SINGLE FAMILY Rent w/option. 845-392-6547 2 BRM APT FOR RENT DWELLINGS IN DEER PARK COUNTRY PEACEFUL LIVING ∂ 2 Bedroom Private Home SOUTH FALLSBURGH SENOR DISCOUNT Move in Ready - $950 NICE 2 BDRM ∂ 1 Bedroom Private Home $800 A MONTH Just Remodeled - $850 + Utilities, Security and References MOBILE HOME Both 1 & 2 Bedroom Homes Have plus garage on 1 acre. Nice kitchen , Please Call: 845-883-0669, Huge Yard Space Located in Excel- 1 bath. Close to shopping. $900 plus 845-883-9025 or 845-551-4516 lent Neighborhood. Both with Brand utilities. 1 month security plus New Furnaces & Hot Water Heaters. references. 917-701-5003 Furnished Apartments PLEASE CALL: 845-551-4463 email: sam@filmart.com MIDDLETOWN ALL AREAS WARWICK 2 Bedroom Apts Realtor Fee only $795 Best Location! Highland Park Mgmt. 3 bdrm 1½ ba duplex HOMES/DUPLEX 856 - 4400 Includes heat, Starts at $1080 & up $750-Sprw-Bush-1BR Cottge-All util inc Patio & 1 car garage hot water, a/c, dishwasher, w/d. $1000-Schola-3BR-1.5BA-rnch-No fee! $1550/mo. plus utilities. Located on Call 845-978-5493. $1000-Pn Bsh-2br-1.5ba-dplx- wdeck Kings Highway. No brokers Fee FOR MORE INFO CALL (Must fill out credit app.) on quiet Cul-de-Sac w big yd & ldry rm $1075-Mill Rft-3Br rnch dplx-excl cond 845-374-3720 $1100-Glen Spy-2br-1.5ba Lg Cabn fpl MIDDLETOWN $1100-Slte Hll-3br-2ba-Moble ¾ac-MV Mobile Homes for Rent ALL UTILITIES INCLUDED $1150-SnrseLkPA-3br-1ba-rnch nice yd $1200-Barryvill-3BR-2BA-Colonial-FDR Studio $ 800 CIRCLEVILLE $1250-Port Jervis- Huge 4BR-1.5Ba hs Beautiful home/trailer located on Furnished, micro & fridge. $1280-Mntgmy-2BR dplx-lg-Inc all util nice piece of prop. New kitchen, carNo pets/smoking. 1 month rent plus 1 month security. $1295-Barryvl-3BR-2ba-rvrfnt-deck-gar peting though out, 2 BR. $990/mo Please Call ........845-537-0707 $1300-Mtwn-3BR dplx Irwin Ave-porch + gas & elec. Excellent refs req. $1300-Greenvll-3BR-rnch-Inc gas +elec Call 590-4141 or 692-2121 $1300-Blmbrg-3BR-1BA-Dplx-Pvt-Mint! MONROE $1350-Westbrkvle-3 BR-2Ba- pvt 4 ac village of South Blooming $1400-Mtwn- 3BR Hs on Dead End St. Grove monroe mailing address $1600-Waldn-3BA-2ba-w/hw fncd yd Heat,electric & gas Incld Go to orangewestrealty.com Studio $850 w/ private Lake View, New Floors, Orange-West Realty 856-4400 New Bath and New Kitchen. Great Location and Peaceful . No pets. CAMPBELL HALL 3 BEDROOM RANCH Only 1 month sec. w/VAULTED CEILINGS 845-783-8172 or 845-774-3389 1 Bath, 1.4 Groomed ac in beautiful quiet neighborhood. 2 car garage, 2 MONTICELLO, Village of sheds, front porch, rear deck off EIK & LARGE 1 BEDROOM APT 660 sqft, ground floor w/private en- W/D. Washingtonville schls. Close to trance, Heat/HW/garbage/parking train. Credit ck. $1,600/mo + utils, Included. Tenant pays gas & electric. 1 refs & 2 mo sec. 845-978-9700. months’ rent and 1 month’s security. Close to H. depot/Walmart/Shoprite. CLARYVILLE (Neversink , NY) 5 Minutes to Bus Station. Available Im"Upstairs of Home" mediately. $750 per month. Newly Renovated. Tri-Valley School Call 860-605-4747 Dist., 2-3 BR, 1 BA, W/D Hook-up, Nice Yard. $800/mo Plus Utilities. Commercial & Industrial Please Call 914-523-9466

WALLKILL, HAMLET OF GOSHEN CORP Charming Quiet Garden Apts EIK, Washer/dryer on site, lease & HAS OFFICE SUITES AVAILABLE From 600 to 2,100 SF spaces security. STUDIO AND 1BEDROOM Close to Courts, Banks, Post Office & $750 PER MONTH Dining. 201-953-5684 or 845-895-2791 Call 914-443-1113 WALLKILL LARGE 1 BEDROOM APARTMENT Private Acres, Completely remodeled Kitchen and Bathroom. PETS ALLOWED AVAILABLE IMMEDIATELY Located on Route 300 $850 Per Month + Utilities Call: 914-489-7229

Homes for Rent

CUDDEBACKVILLE EXECUTIVE NEW 3 + BEDROOMS 1.5 Bath, spacious townhouse, stainless steal appliances, hardwood floors. Available Now. A very special O’Leary Home. 11 miles to Middletown. Lawn and snow plowing included. Reduced Price $1,275/Mo. No Realtors Fee 845-856-8513

GOSHEN Ideal location for your office or business needs. Office suites catered HUGUENOT, NY to your needs. Close to all major TWO BEDROOM RANCH Z highways. Bright, clean,1 bath, LR, DR, breezeCall 845-283-3623 way w/2 car garage, on 1+ acres, priCondos & Townhouses for Rent vate setting, 1 mile outside Port Jervis, NY. 1 mile from shopping, train and Delaware River. $1,390 per month, MIDDLETOWN Rent $1,400. This Townhouse has 3 plus utilities and 2 month’s security. Call (914) 443-1866 Bdrms, kitchen, dining room, living room, 1.5 baths, backyard, driveway parking. Goshen Schools. Just mi- MONTICELLO, Area nutes to Orange Regional Hospital, PRIVATE 2 BEDROOM Shopping and all major Hwys. First, COTTAGE Z Last rent. Deposit Required. No pets, Newly Renovated, Near Exit 107. no smokers, . Principals only. $850 Plus Utilities. Call 347-796-0089 References and Security. Call Evenings 845-796-3610 Sell your home. E-mail realestate@th-record.com

Rent your apartment. Call 845-341-1100 ext. 3600

Roommate Wanted WURTSBORO AREA

SHARE HOUSE VICTORIAN 5 BDRM 4½ baths, private bdrm & bath, large LR, DR & game room with pool table, $450.00 INCLUDES: UTILITIES, CABLE AND WIFI. PLEASE CALL: 904-226-1700

Rooms MONROE AREA

LARGE SUNNY....

Carpeted rooms w/priv. bath/, fplcs, ext. porches, patios, kitchen, W/D, free cable TV. All utils incl $775 & up on Country Estate. N/S or pets. 845-238-2150 NEW WINDSOR

BEAUTIFUL ROOM

Overlooking Mountains In the Hudson Valley $675 Includes Heat & Cable Full Bath, Overlooks Deck & LG Yard PLEASE CALL: 347-427-7000 PLATTEKILL

FULLY FURNISHED RM $495/mo

$125 wkly. Shared bathroom & kitchen. All utilities incld. TV, laundry & parking also incld. No pets. Males only. Call 845-566-0437

Make Some Extra Cash! Clean out that attic this weekend and

sell “don’t needs” in classified.


www.recordonline.com

TO PLACE YOUR AD CALL 845-341-1100, option 5

Sunday, December 8, 2013 ∂ TIMES HERALD-RECORD

The search for your dream home is over. Browse Over 15,000 Detailed Property Listings Daily Plus, find . . . Realtor Contacts, Open House Listings, Mortgage Lenders, Neighborhood Guides, Maps, Buyer Tips, Articles & more.

Selling? List with us! Call 1-800-295-2181 or 845-343-7000, or place your ad Online.

Your homepage for Hudson Valley homes. from Hudson Valley Media Group

11E


12E

Sunday, December 8, 2013 ∂ TIMES HERALD-RECORD

Term

Rate Pts. dn

THE BERKSHIRE BANK

15-yr Fixed 3.375 20-yr fixed 4.125 30-yr Fixed 4.250 15 Yr Fixed Jumbo 5.000 30-yr Fixed Jumbo 5.250

0.00 0.00 0.00 .50 .50

varies varies varies varies varies

$545 $545 $545 $570 $570

3.464 4.200 4.305 5.118 5.320

— — — — — —

— — — — — —

4.237 3.362 3.112 4.112 1.990 1.990

30-yr Fixed Conf. 4.375 15-yr Fixed Conf. 3.375 30-yr Jumbo Non-Conf. 4.500 20-yr Conf. 4.250

Call Hudson Heritage at 845-561-5607 for more rates and mortgage options. Special rates, contact credit union for details.

http://www.hhfcu.org

— — — —

5% 5% 20% 5%

800-797-6669 — — — —

Hometown Bank

800-249-3832

30 Yr Fixed 15 Yr Fixed Fixed Construction 5/1ARM SONYMA

Rate Pts. dn

Fees

APR

4.625 3.625 4.50 3.375 5.000

$145 $145 $145 $145 $145

4.676 3.705 7.367 3.063 5.622

0 0 1 0 0

20%* 20%* 10% 20%* 3%

• FREE preapprovals • Fast and convenient local closings Member FDIC

www.rhemortgage.com Competitive Closing Costs and Approval Within 24 hours. Licensed Mortgage Banker, NYS Department of Financial Services NMLS#20517

Rates change frequently - call for current quote today! Rates and terms quoted are for qualified applicants only. *e.g. 360 monthly payments of $5.52 per $1,000 borrowed **e.g. 180 monthly payments of $7.91 per $1,000 borrowed

This is space available for your company to display its lending rates! Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

• Fixed and variable rates with choice of terms • SONYMA mortgages with down payment assistance

4.41 3.43 4.53 4.29

SUPERIOR MORTGAGE CO., INC. OF 30-year Fixed 4.000 0.00 5% 20 YR Fixed 3.875 0.00 5% 15- year Fixed 3.125 0.00 5% FHA 30YR 3.750 0.00 3.5%

NEW YORK 845-928-2845 — 4.200 NO INCOME LOANS AVAILABLE 0 4.155 "Best practices 0 3.398 lending" 0 3.880 100% Financing, Lower Fico Score, Goverment Loans, Better than Commercial Properties, SBA, No Income. your bank All With UNBEATABLE Rates and Service.

This is space available for your company to display its lending rates!

This is space available for your company to display its lending rates!

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

MID HUDSON VALLEY FEDERAL CREDIT UNION 30-yr. Fixed Conf. 4.625 15-yr Fixed Conf. 3.375 5/1 ARM 3.750 SONYMA Low Interest 5.000 SONYMA Achieving the Dream 4.250

0 0 0 0 0

5% 5% 5% 3% 3%

http://www.mhvfcu.com

Call Call Call Call Call

NATIONWIDE EQUITIES

ULSTER SAVINGS BANK

800-451-8373 EXT. 5002 4.648 3.413 3.365 5.023 4.272

Now is a great time to purchase or refinance with rates at historic lows. Contact Denise Quinn at 845-522-3844 email address DQUINN@ MHVFCU.COM or Tim Zwart at 845-594-9056 or TZWART@ MHVFCU.COM.

COME HOME TO LOW MORTGAGE RATES AND FAST ANSWERS

201-529-1401

Purchase or refinance.

REVERSE MORTGAGE

• Fixed and variable rates with choice of terms

EXPERTS, NATIONWIDE EQUITIES, OFFERS REVERSE MORTGAGES TO ALL HOME OWNERS 62 OR OLDER

Apply online, or call to schedule your appointment with one of our mortgage consultants, any day of the week!

800-249-3832

CALL LEN NMLS #65781 AT 201-529-1401 M/F 8:30-5:00

3.500 3.750 4.375

0.00 0.00 0.00

INTRODUCING OUR NEW MOBILE APP FOR ANY DEVICE

845-341-5000 20% 20% 20%

— — —

3.51 3.76 4.38

www.orangecountytrust.com

For more info on our residential loan products call Deanna 341-5036

Download Today! Member FDIC

www.HometownBankHV.com

It shouldn't be that hard to find a good lender that will treat you with prompt, courteous service. Occasionally, there are a few.

That's where we come in.

To Advertise on this mortgage page, please contact Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

5% 5% —

Please Call 3.476 Please Call 4.685 Please Call 6.176

845-294-7922

*Points include discount and/or origination fees. Interest only programs available. ‘=Fees(Application+Appraisal+ Credit+ Processing) 2nd Home, PRIMARY, 2nd Home, Investment, Land & Construction Loans Available. Primary, Investment, Land & Construction Loans Available

http://www.ulstersavings.com

This is space available for your company to display its lending rates! WALDEN SAVINGS BANK

• Fast and convenient local closings

LIC. MORTGAGE BANKER NYS DEPT. OF FINANCIAL SERVICES NMLS 1408 NATIONWIDE EQUITIES IS LICENSED BANKERS IN 42 STATES

0.00 0.00 0.00

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

• FREE preapprovals

BUYING A HOME? WITH ONLY 45% DOWN YOU MAY QUALIFY FOR A REVERSE PURCHASE MORTGAGE, WITH NO MONTHLY MORTGAGE PAYMENTS NECESSARY

ORANGE COUNTY TRUST CO.

15-yr Fixed 3.375 30-yr Fixed 4.625 FHA 30-yr Fixed 4.250

• SONYMA mortgages with down payment assistance

TAX FREE CASH-NO MORTGAGE PAYMENTS CALL TODAY FOR FREE INFORMATION TO SEE IF A REVERSE MORTGAGE WORKS FOR YOU.

10-yr 15-yr 20-yr

Fees APR Comments

Rochester Home Equity, Inc. NMLS#20517 Licensed Mortgage Banker – NYS Department of Financial Services 180 Office Park Way, Suite 2000 • Pittsford, New York 14534 (585) 263-4353 or (800) 797-6669 *30/**15 yr Rate - 30/15 yr APR

*UP TO 95% FINANCING AVAILABLE

845-561-5607

Rate Pts. dn

ROCHESTER HOME EQUITY, INC.

LOCAL PROFESSIONAL, PERSONAL SERVICE IS JUST A PHONE CALL AWAY

Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066 0.00 0.00 0.00 0.00 — —

Term

845-294-6151

This is space available for your company to display its lending rates!

30-yr Fixed 4.125 15-yr. Fixed 3.250 3/1 ARM 3.000 7/1 ARM 4.000 Home Equity Loan 1.990 Home Equity Line 1.990

www.recordonline.com

Fees APR Comments

www.berkbank.com

HUDSON HERITAGE FCU

TO PLACE YOUR AD CALL 845-341-1100, option 5

30yr Fixed 15yr Fixed 10/1 ARM 5/1 ARM 3/1 ARM HELOC

4.500% 3.500% 4.125% 3.375% 3.125% 3.250%

0 0 0 0 0 0

845-457-7700 20% 20% 15% 15% 15% —

$450 $450 $450 $450 $450 $0

www.waldensavingsbank.com

4.531% 3.541% 3.818% 3.315% 3.243% 3.250%

Construction,Land and First Time Homebuyers. Rates and fees subject to change without notice. Your rate and term may vary and cannot be determined until you apply and are approved for a loan. Equal Housing Lender. Member FDIC.

This is space available for your company to display its lending rates! Please Call Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

WALLKILL VALLEY S&L ASSOC. 15 Year Fixed Rate 20 Year Fixed Rate 30 Year Fixed Rate 5/1 ARM 10/1 ARM

3.625 4.125 4.625 3.375 4.125

0 0 0 0 0

varies varies varies varies varies

845-895-2051 — — — — —

3.685 4.210 4.673 3.395 4.195

Commercial & Residential Loans available. For more information contact: Commercial - James O'Brien 895-2051 ext. 245 Residential - Melissa Flickenschild 895-2051 ext. 226 www.wallkill.com

The Times Herald-Record assumes no liability for typographical errors or omissions. To display information, lenders only should contact Muriel Boykin 845-346-3115 or Angel Barnard 845-346-3066

RATES ARE SUPPLIED BY LENDERS & ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Sunday, December 8th, 2013  

Sunday Real Estate Classifieds section from the Times Herald-Record and HudsonValley.com/homes.