Page 1

Central NY

Life and

Homes

Free April

2010

Bringing people and homes together w w w. L i f e a n d H o m e s . c o m

Seller's

Tips

Federal Remodeling Tax Credit

Memory Making Homes

Complete Real Estate Listing Directory @ LifeandHomes.com


Welcome Home

Life and

Homes

Gridlock in our village means three cars waiting at the stop sign. It's a Mayberry kind of town which suits me just fine. There is a catch. Every visit to the grocery store, post office or church requires a car. I guess that's what caught my eye when a came across the recent study conducted by the Center for Neighborhood Technology. Their research revealed only two in five American communities are affordable to typical households when you factor in the cost of both housing and transportation. (Is This House As Affordable as You Think, pg 3). It's not a topic we hear a lot about but it's certainly something to take into consideration when crunching numbers and deciding the location of your next home purchase. Speaking of crunching numbers, we have some great ideas on how to save on spring home improvement projects in this issue and online at www.LifendHomes. com. You'll find DIY projects and easy cost cuttings tips along with information on how to cash in on the remodeling tax credit which is available through the end of 2010.

Oneida County NY, Edition Published By LifeandHomes Publication Franchise RMC D avid P. Lisi Corporate Editor Kim Lisi Kim@dslisi.com

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com

David P. Lisi , RMC

Local real estate participants report an increase in market activity within the Real Estate Marketing Consultant past few weeks. That's welcome news for any community. If you're putting 315-865-5845 • David@dslisi.com your home on the market, take time to read this month's feature story, Home Inspections Help You Sell. Positioning your home to stand out in a crowded market can be as simple and inexpensive as decluttering, cleaning, completing simple renovations and repairs and ridding the lawn of last year's leaves and debris. Stack the deck in your favor even further by investing in deal-sealer items like a pre-sale home inspection and professional staging. LifeandHomes, LifeandHomes.com and our advertising sponsors stand ready to help as you buy or sell your home. It's our way of supporting the communities we live and work in. This issue and our online, all-inclusive listing service showcases local business services and features for sale listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com and use the easy search options to see even more for sale properties.

i David P. Lis

100% Purchase Money Loans NO Downpayment • NO Monthly PMI Call for Details

(Please do not send attachments)

Or send to: LifeandHomes Magazine PO Box 18 Holland Patent, NY 13354

Account Executive DAVID P. L ISI 315-865-5845 david@dslisi.com

Regional/National Account Executive: Rob T hr ash er 315-941-3452

rob.thrasher@gmail.com

Distribution 1.888.260.3343 x2

Media Partners CYBERVILL AGE cybervillage.com

Advertising Deadline May Issue April 23, 2010

Corporate Office Lisi Merchant Solutions, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com

Central New York

For franchise information call, 315-865-5845

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

L i f e and H o m e s

315-404-5253 Mortgage Originator

Financial Services, Inc. Licensed Mortgage Banker • NYS Banking Department

2

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Anthony Tefel 315-534-2524 Mortgage Originator

LoWEST

Rates in the Area! 10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net

LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2010 Lisi Merchant Solutions, Inc.


Is This House As

Affordable

as You Think?

A new analysis by the Center for Neighborhood Technology (CNT) shows that only two in five American communities—or 39 percent— are affordable for typical households when their transportation costs are considered along with housing costs. The Housing + Transportation (H+TSM) Affordability Index examines 337 metro areas across the country—encompassing 161,000 neighborhoods and 80 percent of the U.S. population—and provides the only comprehensive snapshot of neighborhood affordability by accounting for combined housing and transportation costs associated with a community.

• Seal cracks and holes on the outside of the home, including entry points for utilities and pipes.

LifeandHomes reminds readers that The Census Bureau does not conduct the census via the Internet and does not send out emails. The Census Bureau never asks for your full social security number, PIN numbers, passwords or access information for credit cards banks or financial accounts. You may verify if a collection activity is legitimate by calling your regional census office regarding mail surveys, or call 301-763-INFO (4636) for general Census Bureau information

Don't Let Termites

Put The Bite On Your House

The National Pest Management Association (NPMA),reports termites cause more than $5 billion in property damage each year across the U.S.and damage from wood-boring insects is typically not covered by homeowners' insurance policies.

• Repair leaking faucets, water pipes and AC units. • Repair fasciae, soffits and rotted roof shingles. Some termites are drawn to deteriorating wood. • Replace weather stripping and repair loose mortar around basement foundation and windows. • Store firewood at least 20 feet away from the house and 5 inches off the ground. • Routinely inspect the foundation of your home for signs of mud tubes (used by termites to reach a food source), cracked or bubbling paint, and wood that sounds hollow when tapped. • Direct water away from your house through properly functioning downspouts, gutters and splash blocks. • Visit www.pestworld.org to find a qualified pest professional for additional advice and treatment if necessary. (NAPSI)

Free Delivery of LifeandHomes

Don’t miss that Special Home you’ve been looking for. Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

3

L i f e and H o m e s

The best way to effectively treat an existing termite infestation is through professional pest control, but there are steps homeowners can take to help keep the pests from invading in the first place. For instance, simple things, such as keeping tree branches and shrubbery well trimmed and away from the house, can help.

• Keep basements, attics and crawl spaces well ventilated and dry.

To explore the H+T Index or obtain a copy of Penny Wise, Pound Fuelish visit: http://htaindex.cnt.org/.

Harrisburg PA Mayor Linda Thompson has already been the victim of a census scam. She received and filled out a census form a few weeks ago and didn't realize it was a fake form until her legitimate census form arrived shortly thereafter. "You know, I was just eager to be a leader in the city that fills it out and didn't think that the census had said they don't ask for Social Security numbers and they even asked for my address and where I worked and my job title. So, there you have it -buyer beware," says Thompson. She is now taking steps to prevent identity theft.

April

For most families, transportation is the second largest household expense. The new analysis shows that for many families in “drive ‘til you qualify” zones, savings realized from lower cost housing are eliminated by unexpectedly high transportation costs. Yet, it is difficult for consumers and policymakers to estimate the full costs of a location, including the cost of both housing and of transportation. This lack of information can lead families to unknowingly make housing decisions that cause them to live beyond their means as gas prices rise and commutes grow longer. A community’s average transportation costs can range from 12% of household income in efficient neighborhoods with walkable streets, access to transit, and a wide variety of stores and services to 32% in locations where driving long distances is the only way to reach essential services.

Census Scam Alert

The experts at the NPMA also recommend these tips for controlling termites:


No Drip Savings Drip. Drip. Drip. The average American household wastes more than 10,000 gallons each year from easy-to-fix water leaks, adding up to more than one trillion gallons of water lost annually nationwide. Many of these leaks have do-it-yourself fixes that could cost only a few dollars to address. The U.S. Environmental Protection Agency's (EPA's) Water-Sense program is encouraging homeowners to find and fix leaks to save more than 10 percent on utility bills now and help save water for future generations. 1. Find Leaks: Winter water use can be an indicator of household leaks. If use exceeds 12,000 gallons per month for a family of four, chances are good that you have a leak. Walk around your home with eyes and ears open to find leaks, and don't forget to check pipes. Reveal a silent toilet leak by adding a few drops of food coloring to the tank and wait 15 minutes without flushing. If bowl water changes color, your toilet has a leak. Flush afterwards to avoid staining the bowl or tank.

L i f e and H o m e s

Central New York

2. Fix Leaks: Many times, fixing leaks can be done yourself and doesn't have to cost a thing. Both faucets and showerhead connections can be tightened or sealed. For leaky toilets, the rubber flapper inside the tank is often the culprit. Over time, the flapper decays, but replacing it only costs a few dollars. If you don't feel comfortable with these repairs, a licensed contractor can help. Irrigation systems and outdoor spigots can also have leaks. A WaterSense irrigation partner who is certified in water-efficient irrigation technologies and techniques can ensure your irrigation system works properly. 3. Save Water: Dripping faucets can waste more than 3,000 gallons per year, a showerhead leaking 10 drips per minute about 500 gallons per year, and running toilets 200 gallons 4

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

newsShorts or more each day. Fixing household leaks not only saves water, but also energy and money on utility bills. If you need to replace plumbing fixtures, save even more water by replacing them with WaterSense-labeled models. WaterSense labels toilets, faucets, urinals and--coming soon--showerheads that use at least 20 percent less water and are independently tested and certified to perform as well as or better than standard plumbing fixtures. For more information and tips about how to save water, visit www.epa.gov/watersense. (NAPSI)

utilizing energy efficient windows – is a great first step to take when improving your home’s energy efficiency. To learn more, visit www.plygemwindows.com or www.recovery.gov. (ARA)

Room For What??? "Room to grow" takes on new meaning with this residential listing. Property Information for 7659 Riles Road 4 Bdrm 4 bath 4,400 sq./ft. hillside home on 4 plus acres, 7 min. from Middleton. Master suite with whirlpool and deck. Fieldstone fireplace, wraparound porch, storm/ wine cellar, spectacular room to grow marijuana, open floor plan, elevator and handicap accessible with in-law suite. 2 1/2 car garage with lower level shop. Separate 40' x 60' commercial grade shop with loft, office and 3/4 bath. Perfect for toys or animals. Middleton-Cross Plains schools. $675,000 (Source - www.lovelylisting.com)

Federal Remodeling

Tax Credit

The tax credit for energy efficient replacement windows and doors, originally introduced in 2009 as part of the American Recovery and Reinvestment Act, is set to expire at the end of 2010, making this year the best time for homeowners to replace their windows and upgrade the look and feel of their home. Ply Gem, a leader in the building products industry, offers some tips and guidelines to help homeowners make the most of the energy efficient replacement window tax credit. Homeowners can receive a tax credit worth 30 percent of the purchase price of qualifying energy efficient windows, up to a maximum of $1,500 if purchased and installed by Dec. 31, 2010. To redeem the credit, be sure to save your invoice that shows a breakout of window and installation costs, the National Fenestration Rating Council (NFRC) labels from all windows and doors and the manufacturer’s certificate. Energy efficient windows that meet the tax qualifications offer more savings than a one-time federal tax credit. The Alliance to Save Energy says that sealing and insulating your house – including

LifeandHomes provides Free Access to High Definition real estate Videos on Demand Local Homes For Sale

Go to www.LifeandHomes.com click on

“Video Channel”

LH

To Learn more about Life on Demand videos Contact- V Productions at 315-520-3524 or email: info@dashvproductions.com


FREE Daily Customized Home Searches - Right to Your Inbox!

Rome

$1,495,000 5219 Rome Taberg Road

• Be the first to know!

• Hot new listings & price updates!

Investors!...Beaver Creek Golf Club & Residential Estates For more details & photos, visit www.RichardParentHomes.com

• Tailored to meet your exact needs!

Coldwell Banker Prime Properties

Richard Parent • 315-768-1680x203

Contact me or visit my website for Exciting Details!

West Turin

Sauquoit

$625,000

$349,900

3091 Schibley Road

2446 Timian Road

5 Bedrooms/4 Baths/3,600 sq.ft. 265 acre farm

4 Bedrooms/1 Bath/78 acre farm w/commercial potential

For more details & photos, visit www.RichardParentHomes.com

For more details & photos, visit www.RichardParentHomes.com

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Barneveld

West Winfield

Richard Parent • 315-768-1680x203

Richard Parent • 315-768-1680x203

$274,900

7357 Trenton Road

$269,900

2449 Rt. 8

5 Bedrooms/2 Baths/ 2 Family + Acreage

6 Bedrooms/4 Baths/56 Acres & Views!

For more details & photos, visit www.RichardParentHomes.com

For more details & photos, visit www.RichardParentHomes.com

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Richard Parent • 315-768-1680x203

Russia

$249,900 5089 Military Road - 3.8 Acres 3 Bedrooms /1.5 Baths/ Large Barn

Richard Parent • 315-768-1680x203

West Winfield

g tin

$176,000 390 Fairview Circle - Pristine Ranch

Lis w

Ne

3 Bedrooms /2 Baths

For more details & photos, visit www.RichardParentHomes.com

For more details & photos, visit www.RichardParentHomes.com

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Richard Parent • 315-768-1680x203

Herkimer

$124,900

926 Highland Ave - $2500 Buyer Bonus! 4 Bedrooms /2 Baths

Richard Parent • 315-768-1680x203

Poland

g tin

Lis w

$124,900

50 Coldbrook St - Great Village Location

Ne

3 Bedrooms /2 Baths

For more details & photos, visit www.RichardParentHomes.com

For more details & photos, visit www.RichardParentHomes.com

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Other & Investment

New Construction $119,000

4 Bedrooms/2 Baths

Homes by Barden & Hayward Builders From $280’s

For more details & photos, visit www.RichardParentHomes.com

Rome: Beaver Creek Estates

Coldwell Banker Prime Properties

Richard Parent • 315-768-1680x203

Homes by Barden, ½ Acre Lots From $250’s

$699,000 $150,000 $189,900 $91,000 $64,900 $59,900 $49,900 $34,900 $32,500 $27,500 $19,900

Rome East Utica Rome East Utica Rome Rome East Utica Little Falls

Commercial Lot Commercial Land Commercial Gas Station

6 Bedroom/2 Family Turnkey Machine Shop

3 Bed/1.5 Bath 2 Family 20 Acres New Hartford Park View Estates Rome ½ Acre Lot Deerfield 2 Acre Lot

www.Life and Homes .com

5

L i f e and H o m e s

103 Cramer Road - $1000 Buyer Bonus!

Marcy: Buckland Estates

Little Falls

Richard Parent • 315-768-1680x203

April

Richard Parent • 315-768-1680x203


newsShorts

Home Inspections

Help You Sell When you're ready to sell your home in the current market, you need to take every step you can to ensure a timely sale at the price you want. A surplus of homes for sale means that yours needs to stand out in style, amenities and quality to make an impression on potential buyers. The more steps you take to make your house saleready, the better results you'll get. Currently, home sales are at a historic low -- so what do you need to do to buck that trend? Updated decor and proper staging certainly help present your home well, but don't think that cosmetic fixes are all you need. Buyers want to know the home they're considering is safe and sound, and the best way to establish that is to hire a home inspector. Twenty years ago, it seemed extravagant to hire a home inspector, but today it's standard practice. Buyers will often bring their own inspectors to the table, so you need to start by hiring one yourself. Hiring a professional will give you a realistic perspective on what's going on in the bones of your home.

L i f e and H o m e s

â–

Central New York

"In a down market, a pre-sale inspection can make a home stand out," says David Tamny, president of the American Society of Home Inspectors. "More and more, sellers are obtaining pre-sale inspections to help uncover and address potential issues before the first prospective buyer walks through the door. This simple step allows for better planning and lowers repair costs, adds value to the home, and it could increase the likelihood of an offer." Even if someone in your family is handy, a professional home inspector will be able to point out issues that might go unnoticed by someone who doesn't know the ins and outs of inspecting. Today's buyers are quick to point out flaws uncovered by the home inspectors they bring with them, particularly if the flaws could compromise health or safety. 6

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Buyers can use problems as bargaining chips, causing previously agreed upon prices to be lowered or even the cancellation of a deal. Inspections help uncover imperfections that often can be fixed easily and inexpensively, so it's worth it to get your home inspected before you list it. In addition, a good inspection can raise the likelihood of an offer being placed on your home. Buyers are looking for security. If you can show them

your home has been inspected, they'll feel more comfortable with it. That confidence often equates to more dollars in your pocket when you agree to the sale. The areas covered in home inspections are: the major systems and components such as the foundation, exterior siding, flashing and trim, the roof, plumbing, electrical and heating and cooling units. In addition, some home inspectors offer additional services including radon testing, energy assessments and pool and spa inspections. The current housing market requires a proactive approach to selling, and to get the result you want, you have to think about every aspect of your home. Having a home inspection can add value to the property, speed up the negotiation process, increase the likelihood of an offer and, most importantly, help sell your home. ( ARA)

taLK

RADIO

LiVe AND ON

demAnd Thursday’s at 7:00pm eT. To Be a Part of the Show Call in 646.478.4353 Co-Hosted by Rob Thrasher & Sal Valente

interviewing successful people and revealing their winning strategies. This Month on Spotlight: new Millennium Marketing:

Book networking:

Survive & thrive:

mike Bova, founder of madison

Therese Jensen-Lacey talks

eric Lorri, executive director

County Courier and Publisher

about book networking and her

& founder freedom Guide

for mP3 Publications shares how

inclusion in the new Chicken

dogs, http://www.freedom-

technology and highly effective

soup book, "older & Wiser:

Guidedogs.org , reveals his

marketing tools are fueling rapid

stories of inspiration, Humor,

business tips for surviving and

growth of his upstate newspapers.

and Wisdom about Life at a

thriving through the recession.

Certain age"

Over 3000 Listening Downloads Last Month Your business can be featured on our show! Call us at 315-235-3753.

Join the Conversation

Listen Live or Log On Anytime at www.LifeandHomes.com - Click on Talk Radio


New Hartford $1,600,000

Hamilton

Masterpiece with over 5,000 square feet of luxury amid 15 acres with dramatic views. Deluxe amenities throughout.

Boasting 5 bedrooms and 5.5 baths this home features luxurious upgrades. 2.73 acres with sweeping views of the university.

Marcy

$279,900

Fabulous 4 bedroom transitional with two-story entry, hardwood floors, cherry kitchen with granite, master bedroom suite.

Deerfield

$1,495,000

$279,900

Executive Cape on 2 acres. First floor master suite, hardwood floors, fireplace, formal dining room and much more!

$599,500

New Hartford $459,700

Little Falls

Newly constructed grand home with 4 bedrooms, study with fireplace, deluxe kitchen. Fine quality throughout.

Gorgeous custom built 3 bedroom, 2.5 bath home. Master bedroom suite, quality kitchen, 3 car garage and much more.

Limestone house and barn with sweeping views. Stunning! Hardwood floors, updated bathrooms, and open kitchen area.

Deerfield

Marcy

Clinton

$255,900

Only 4 years old. Features great room with fireplace, oversized master bedroom suite. Excellent location with treed yard.

$149,900

Updated farmhouse on 5 beautiful acres. Featuring 4 bedrooms, loft, country kitchen with woodstove, sun porch with view.

Taberg

$379,000

$118,900

Meticulous 3 bedroom, 2 bath ranch. Open floor plan, kitchen with island and stainless appliances. Many recent upgrades.

Clinton

$339,000

Restored village home. Historic character with modern conveniences. Beautiful master bedroom suite and deluxe kitchen.

Whitesboro

$129,900

This 3 bedroom, 2 bath ranch boasts open floor plan, updated kitchen, family room addition and living room with fireplace.

April ■

www.Life and Homes .com

7

L i f e and H o m e s


SCAMPONE REAL ESTATE 797-7100

G TIN

N

LIS W

E

$299,000

MLS #1000669

G TIN

N

LIS W

E

$117,900

MLS #1000700

EW

N

G TIN

LIS

$72,500

MLS #1000528

New Hartford History combined with charm is what will inspire you to fall in love with this beautiful 1825 home located in the village of New Hartford. Over 4,000 sq ft. 5 Bdrm, 2 ½ baths. An exquisite sunroom leads you to a park like yard with gorgeous gardens and an ivy covered rock wall.

N

E

$259,000

MLS #1000563

South East Utica Charming describes this lovely 2 bedroom ranch. Just imaging what you can do with this open floor plan. Main floor laundry. Nice deck overlooking fenced yard.

N

E

$94,900

MLS #1000615

EW

N

$799,900

Central New York

MLS #200704203

$209,900

E

$174,900

MLS #1000641

G TIN

Lots of room here! 4 Bedrooms & 2 full baths. Mostly all newer windows, furnace approx. 7 Yrs old, hwh, refrigerator & washer/dryer approx 2 yrs old. Hardwd floors. 1St flr br could be family room. Needs some cosmetic refreshing. Screened-in front porch is great!

N

LIS W

E

$89,900

N TIO UC TR S ON

C W

$253,000

MLS #1000465

East Utica Smart investment in this remodeled 3 bdrm bungalow. New, fully applianced stainless kitchen, new granite bath. Open archway from kit to large, formal dr. Crisp, clean space w/natural light, hardwoods, high ceilings. Updated: windows, exterior doors, electrical, hwh, kitchen insulation, plumbing, maintained & rebuilt furnace.

$1,075,000

Office Exclusive

Nearly new, fully furnished, 3 bdrm, 2 bth, modified a-frame in the heart of the Adirondacks. Year round home situated on over 300’ of beautiful lakefront. A seaside cobblestone breakwall lines 85 feet of this 4th Lake property. Spacious, glass lined lr w/ gas fp, fully applianced kitchen. 2nd flr bdrm loft. Rear deck overlooks 4th Lake, full walk out basement to dock, all toys included in sale! An impeccable year round retreat of lakefront luxury.

South East Utica

Newly constructed 3 bedroom, 2 bath ranch in the Whitetail Meadows development. Gorgeous brick oven kitchen w/maple cabinets, livingroom, diningroom, breezeway. Completed w/lawn, driveway, walkway. Turn key!

Stunning is an understatement! Popular South East Utica area. Completely remodeled, tiled, new windows, c/a., Modified ranch with beautiful layout & abundant principal rms on main level of over 2700 sq ft, 4 bdrm 1 ½ bths. Additional 1700+ sq ft in-law apt on lower level, remodeled, tiled & sep entrc. Amenities galore; massive rooms, formal dining room, lr w/ skylights, eat in, tiled kit, beautiful yard, inground pool & so much more! Entertain w/class!

Frankfort

3 Bedroom, 2 bath ranch, nearly 1800 sq ft, hardwoods, formal diningroom & livingroom, fplcd fr w/built in wet bar, eat in kitchen, master bath. Sliders from kit & master bedroom to private backyard, hot tub inground pool. Many amenities & updates.

4 Bdrm, 2 bth ranch home, completely updated, move in condition. Two new, tiled, full baths (one is mstr bth), refnshd hrdwds, roof less than 1 yr, new plmbng, large kit, lg din area, deck w/jaczzi, nice bdrm sizes, theatre/ fm rm in finished bsmt w/pellet stv. Tastefully put together & wrapped up on 1.6A.

$184,900

Spacious split level home in popular Benton Hills. 3 Bedrooms, 2 baths. Fireplaced lr, dr, family room w/entrance to rear yard. Hardwood under lr & dr carpet. Oversized garage. Great cul de sac location.

New Hartford

South East Utica

MLS #912679

New Hartford

Fourth Lake Year Round Lake Front

New Hartford Lots in Popular Development

$51,500

NE

N

LIS W

$245,900

MLS # 200800287

Land & Building Lots

Sauquoit Emerald Hill Estates. $28,500. Frankfort Rolling hills. All public utilities. From $22,000. Whitetail Meadows All public utilities. From $30,000. South East Utica Over 2 acres. $59,900.

Sylvan Beach 2.89 Acres on Main St., $145,500 Sylvan Beach 6 parcels. $100,000. Lenox Close to Rt. 13 & Sylvan Beach. $39,000. Prime New Hartford development land. 45+ Acres. public water available. $495,000.

L i f e and H o m e s

MLS #1000130

Spacious 4 bdrm, 2 1/2 bath condo. 1St flr master suite. Loft area overlooking fireplaced family rm. Steps away from the golf course and only minutes from shopping 1st. ‘City close yet country quiet’ in this upscale neighborhood.

Popular Higby Hills Estates holds three beautiful lots ready for you to build your dream home. One lot is just under an acre, a second is almost 2 acres, and the third is over 5 acres. All public utilities. All on Pebble Creek Lane. From $51,500.

Verona- Commercial Lakefront The sea shell waterfront this is fully equipped and turn key! A 100’ wall of huge bay windows gives a unique waterfront view w/spectacular sunsets. Property includes living quarters w/private kit & bath, outdoor seating on the veranda, a sandy beach, & an overflow parking lot. Conveniently located from Verona Beach State Park, 1.5 miles from the Village of Sylvan Beach and amusement park, 3 Oneida Indian Nation owned marinas and 10 miles from the Turning Stone Resort Casino.

G TIN

LIS

G TIN

South Utica

G TIN

LIS W

Frankfort Popular rolling hills townhouse. Furnace 3 yrs old. Roof aprx. 5 Yrs old. New windows & newer dishwasher. 1St floor carpet 2 yrs old. 2 Bedroom, 1 1/2 bath w/special use room off master bedroom. These units sell quickly. No association fee!

New Hartford

G TIN

LIS W

FOR A COMPLETE INVENTORY OF LISTINGS & UP TO DATE PROPERTY INFO, VISIT...

scamponerealestate.com 8

We br i n g p e o p l e a n d h o m e s t o g e t h e r .


Your All Inclusive Home Directory Ava

LifeandHomes.com

$5,000

Central New York

$0

9551 Mullen Hill Road

Eastern Adirondack Home and Design

Lot for Sale or Rent

Custom Log Homes

For more details visit www.LifeandHomes.com Type in Quick Search #32673

For more details visit www.LifeandHomes.com Type in Quick Search #32882

Phyllis Goworek • 315-335-2745

John & Donna Brand • 518-644-2328

Oneida County - FSBO FSBO • 0@0.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

Eastern Adirondack Home & Design Owner • vtr2000@earthlink.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$174,900 6945 Stokes Westernville Road

Central New York $149,000

3 bedrooms / 2.0 baths

Land Not Included

For more details visit www.LifeandHomes.com Type in Quick Search #41210

For more details visit www.LifeandHomes.com Type in Quick Search #41041

Joel Siegfried • 315-793-7580

David Sullivan • 315-725-1434

SBG Realty

Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Boonville

$101,915

Chalet Modular Home

K D Homes

Lic. R.E Salesperson • kdhomes@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York $139,000

9582 Hawkinsville Rd

Turn Key

4 bedrooms / 1.5 baths

Land Not Included

For more details visit www.LifeandHomes.com Type in Quick Search #33983

For more details visit www.LifeandHomes.com Type in Quick Search #41040

Realtor, Debbie Raucci • 315-735-9850

David Sullivan • 315-725-1434

Town and City Real Estate Licensed R.E. Agent • djraucci@mindspring.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Caroga Lake

K D Homes

Lic. R.E Salesperson • kdhomes@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$795,000 Adirondack Mt Retreat Canada Lake

Central New York $189,900

6 bedrooms / 2.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41191

For more details visit www.LifeandHomes.com Type in Quick Search #33898

United Country Real Estate/HBE Group, Inc. John Carlin • 315-429-9754

Robert Kessler • 315-525-6204

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Catskill

Oneida County

R. Kessler & Associates Owner • panel@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$350,000 Greene County Gentlemans Farm

Clinton

4 bedrooms / 2.0 baths

3 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33942

For more details visit www.LifeandHomes.com Type in Quick Search #41182

David Posson • 607-316-3758

Barbara Frank • 315-853-4400

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

I live in Vernon w/ my husband.

Working together is Richard’s approach to helping buyers and sellers. Richard provides timely and effective communication while servicing all clients with a high level of full time professional service. Richard has over 30 years of sales, supervisory and national corporate experience and is a member of both Utica & Syracuse MLS systems. While residing in New Hartford with his wife Shirley he provides services throughout central New York. Contact Richard today to help streamline your real estate needs!

I’m an aggressive, honest and hardworking Agent. I love my job and love working with people. My greatest pleasure is the smiles I get when I find their dream home. Call me today with a free market analysis of your homes worth.

Phone: 315-794-8305 Email: jhinman@gurbr.com

Phone: 315-768-1680 Web: RichardParentHomes.com

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com www.Life and Homes .com

9

L i f e and H o m e s

Coldwell Banker Prime Properties

Clinton Real Estate

Richard Parent

Coldwell Banker Faith Properties

15 Kellogg Street

April

Judy Hinman

$299,000


Your custom home is more than just a house. it’s where you dream, retreat, make memories. let Marand custom Homes make your dreams a reality. Central New York

with over 25 years of experience, we deliver exceptional quality and service for all your custom home and remodeling needs.

L i f e and H o m e s

â–

C a l l U s to d a y f o r a F R e e C o n s u l t a t i o n a n d Q u o t e .

Marand Builders & renovators, llc commercial & residential

Mark Barbato

Owner President , Home Builders Association

6848 Mallory road Holland Patent, nY 13354 (P) 315.797.0806

10

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .


Your All Inclusive Home Directory Clinton

LifeandHomes.com Clinton

$149,900

3804 Fountain Street

128 Fountain View

3 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41180

For more details visit www.LifeandHomes.com Type in Quick Search #41227

Clinton Real Estate

Coldwell Banker Prime Properties

Barbara Frank • 315-853-4400

Kathy White • 315-723-7741

Lic. R. E. Broker • info@clintonrealestateny.com

Lic. R. E. Broker • e_realty@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Clinton

$147,500

3338 State Route 12-B

3 bedrooms / 2.0 baths

4 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41111

For more details visit www.LifeandHomes.com Type in Quick Search #41226

Coldwell Banker Prime Properties

Barbara Owens • 315-853-4400

Kathy White • 315-723-7741

Associate Broker • info@barbaraowens.com

Lic. R. E. Broker • e_realty@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Clinton

$99,900

131 Homewood Drive

3 bedrooms / 1.0 baths

3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41019

For more details visit www.LifeandHomes.com Type in Quick Search #41163

Don Kingsley Real Estate

Barbara Owens • 315-853-4400

Thelma Chase • 315-363-5464

Associate Broker • info@barbaraowens.com

Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Coldbrook

$169,900

$179,900

1 Utica Street

417 Main Street

3 bedrooms / 2.0 baths

6 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33724

For more details visit www.LifeandHomes.com Type in Quick Search #41187

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Jodie DeCosty • 315-723-8554

Laura Minard • 315-525-1974

Lic RE Associate Broker • jodiedecosty@cbpp.com

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ne

$117,900

3161 Route 12B

Clinton Real Estate

g tin

$209,000

28 Kirkland Avenue

Clinton Real Estate

Lis w

$234,500

Clinton

Licensed Mortgage Banker NYS Banking Dept

Constableville

$174,900

$99,900

171 Sanford Avenue

3708 Sweeney Road

4 bedrooms / 2.5 baths

2 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41205

For more details visit www.LifeandHomes.com Type in Quick Search #41212

Coldwell Banker Prime Properties

Barbara Dunn Realty

Jodie DeCosty • 315-723-8554

Barbara Dunn • 315-337-1677

Lic RE Associate Broker • jodiedecosty@cbpp.com

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Melissa Clark Realtor

April

I Have The Key To All Your Real Estate Needs! Call Me Today...

600 French Road New Hartford, NY 13413

Phone: 315-733-0463x227 Cell: 315-723-5584 Email: mclark@prudentialcarucci.com

www.Life and Homes .com

11

L i f e and H o m e s

Joseph R. Carucci Real Estate


LifeandHomes.com

Your All Inclusive Home Directory

Constableville

$127,000 3706 Sweeney Road / 15 Acres

Herkimer

3 bedrooms / 1.0 baths

58 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41211

For more details visit www.LifeandHomes.com Type in Quick Search #33945

Barbara Dunn Realty

Barbara Dunn • 315-337-1677 Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$279,000

Broker/Owner • possonrealty@frontiernet.net

Licensed Mortgage Banker NYS Banking Dept

Holland Patent

$34,900

4 bedrooms / 2.5 baths

0 bedrooms / 0.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41153

For more details visit www.LifeandHomes.com Type in Quick Search #33613

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$255,900

SBG Realty

Joel Siegfried • 315-793-7580 Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Holland Patent

$419,900

110 Keri Lane

7210 Glass Factory Rd

3 bedrooms / 2.0 baths

5 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41154

For more details visit www.LifeandHomes.com Type in Quick Search #41232

Coldwell Banker Prime Properties Gaetano Belmonte • 315-768-1680 Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Hamilton

$149,900

Coldwell Banker Faith Properties Jay Groah • 315-272-3975 Licensed R.E. Agent • jlgroah@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Kirkland

$135,000

6878 Airport Road

8058 Limberlost Road

4 bedrooms / 2.0 baths

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41206

For more details visit www.LifeandHomes.com Type in Quick Search #41181

Jodie DeCosty • 315-723-8554

Barbara Frank • 315-853-4400

Coldwell Banker Prime Properties Lic RE Associate Broker • jodiedecosty@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$68,500

Clinton Real Estate

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lakeport

333 Eureka

100 Harbor Shore Drive

3 bedrooms / 1.0 baths

4 bedrooms / 0.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33857

For more details visit www.LifeandHomes.com Type in Quick Search #33879

Anthony Fumarola • 315-732-3456

Maria E. Dailey • 315-336-0433

A.Fumarola /Joyce Realty Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

David Posson • 607-316-3758 Low Mortgage Rates • Homestead Financial 315-768-1980

8651 Edwards Rd

Gaetano Belmonte • 315-768-1680

Joanne Shedd

Dorothy Neumann

Licensed Sales Agent

NeuDot Realty

Assist 2 Sell

Assist 2 Sell

Seller’s & Buyer’s 1st Choice. America’s Leading Discount Real Estate Company

Posson Realty LLC

10442 Doyle Road

Coldwell Banker Prime Properties

L i f e and H o m e s

$230,000 Southern Herkimer County Farm

I can save sellers thousands! I call it “Full Service with $avings!”

Selling FSBO? This year, more than ever, is not the time to go it alone. Buyers have many homes to choose from. A realtor provides maximum exposure, screens prospects, has contacts with attorneys, home inspectors, surveyors, lenders, contractors. We guide you through the maze of contracts, disclosures, marketing, setbacks and myriad of details. More than ever, you need a friend on your side; someone who knows the market, the risks, the ropes. Now an approved HUD broker. You need Neu.Dot Realty.

National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Smith Inspection Services, llc Serving Central NY and the Mohawk Valley

Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests 35 Years Commercial Construction Experience 5 Years Home Inspection Experience PO Box 126, Sherrill, NY 13461

Phone: 315-790-1997 Email: jshedd@assist2sell.com

12

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Phone: 315-527-3542 Email: dneumann@neudotrealty.com

Call 315-363-8074


Your All Inclusive Home Directory Lee Center

LifeandHomes.com

$159,900

Marcy

9321 State Rt. 26N

$154,900 6386 Glass Factory Road

3 bedrooms / 1.5 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33878

For more details visit www.LifeandHomes.com Type in Quick Search #41213

RE/Max All Pro

Tony Abone • 315-339-2222

Stephen Dellerba • 315-725-9152

Broker/Owner • proabone@cnymail.com

Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Litlle Falls

Prudential J.R. Carucci Real Estate

$165,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$192,500

Kyser Lake Camp

71 Walnut Street

4 bedrooms / 1.0 baths

5 Units

For more details visit www.LifeandHomes.com Type in Quick Search #41189

For more details visit www.LifeandHomes.com Type in Quick Search #41201

United Country Real Estate/HBE Group, Inc. John Carlin • 315-429-9754 Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Little Falls

$66,900

Bruce Ward & Company

Anna Duffy • 315-717-3957 Lic. R.E Salesperson • bward@brucewardusa.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$143,000

Johnny Cake Rd.

9 Morris Circle

0 bedrooms / 0.0 baths

3 bedrooms / 1.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33805

For more details visit www.LifeandHomes.com Type in Quick Search #41194

Amy Abdoo • 315-794-2653

Assist2Sell Seller’s and Buyer’s 1st Choice! Joanne Shedd • 315-790-1997

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Lyme

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$199,900 10380 Duck Harbor Road

New Hartford

2 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41233

For more details visit www.LifeandHomes.com Type in Quick Search #41234

Jay Groah • 315-272-3975

Steve & Rick Buck • 315-736-0865

Coldwell Banker Faith Properties Licensed R.E. Agent • jlgroah@gmail.com

Buck Construction

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$259,000

Mallory Road

$124,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$699,900

6181 Morris Rd.

112 Danberry Circle

3 bedrooms / 1.0 baths

3 bedrooms / 3.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33927

For more details visit www.LifeandHomes.com Type in Quick Search #33965

Amy Abdoo • 315-794-2653

Jay Groah • 315-272-3975

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Coldwell Banker Faith Properties Licensed R.E. Agent • jlgroah@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Carrie Podagrosi A. Fumarola Realty Inc.

April

Joyce Realty

800-432-8669

www.uticaromeproperty.com

www.mohawkhcs.com www.Life and Homes .com

13

L i f e and H o m e s

46 Genesee Street New Hartford, NY 13413 Office: 315-732-3456 Cell: 315-723-3021 Fax: 315-735-9057


LifeandHomes.com Ohio

t on fr r e at

W

Your All Inclusive Home Directory Rome

$59,000

220 Ridge Road

2 bedrooms / 1.0 baths

Commercial

For more details visit www.LifeandHomes.com Type in Quick Search #40989

For more details visit www.LifeandHomes.com Type in Quick Search #41171

Mike McNaughton • 315-264-3081

Tony Abone • 315-339-2222

Dick Stanton Real Estate

RE/Max All Pro

Assoc. Broker • mike@mcnaughtonhouse.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

Licensed Mortgage Banker NYS Banking Dept

Rome

$99,500

104-106 3rd St - 2 unit

2 bedrooms / 1.0 baths

3 bedroom each

For more details visit www.LifeandHomes.com Type in Quick Search #33938

For more details visit www.LifeandHomes.com Type in Quick Search #41230

Thelma Chase • 315-363-5464

Denise Witchley • 315-337-0841

Homecoming Realty

Assoc. Broker • thinkthelma@twcny.rr.com

Licensed R.E. Agent • witchleydenisem@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Otsego

$325,000 Otsego County Dairy Farm

Rome

5 bedrooms / 0.0 baths

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33943

For more details visit www.LifeandHomes.com Type in Quick Search #33616

David Posson • 607-316-3758

Tracy Winterton • 315-335-3843

1St. Rome Realty

Broker/Owner • possonrealty@frontiernet.net

Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Paris

Licensed Mortgage Banker NYS Banking Dept

Rome

$69,900

2 Carmel Drive

2 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33984

For more details visit www.LifeandHomes.com Type in Quick Search #33595

Tony Pavia • 315-735-9850

Tracy Winterton • 315-335-3843

1St. Rome Realty

Lic. R.E. Salesperson • apavia8453@aol.com

Lic. R.E Salesperson • tlwinterton@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$189,000

$125,000

111 W Thomas - 8 unit

5600 Golly Road

Commercial

5 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33843

For more details visit www.LifeandHomes.com Type in Quick Search #33615

Barbara Dunn • 315-337-1677

Laura Minard • 315-525-1974

Barbara Dunn Realty

Coldwell Banker Prime Properties

Broker/Owner • dunrealt@aol.com

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$64,000

12 Gridley Blvd

Town and City Real Estate

SBG Realty and I would like to thank everyone for a great 2009 From Jan. 1 to April 30 all listings with me will be reduced commissions.

$175,000

6199 Lorena Road

Posson Realty LLC

L i f e and H o m e s

$49,000

313 Loucks St

Don Kingsley Real Estate

$1995 or 4% if sold by another broker.

Call J. E. Siegfried at

315-796-2258 14

$275,000

Rt 8

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Licensed Mortgage Banker NYS Banking Dept

MidState Contracting Barry Kotary 7710 McKern Rd Rome, NY

315.335.8073

Siding • Decks Windows • Additions Overhead Doors Fully Insured FREE Estimates

Several log home plans are available, with many different log styles to choose from. We offer 3 species of wood and optional roof systems. The possibilities are endless...

"Our goal is to provide you with a no pressure, turn-key home building experience log or stick built."

Q Log Homes Q Timber Frame Construction Q Fireplaces Q Basements Q Decks Q Custom Kitchens Q Additions

Q General Contracting Q Carpentry Q Plumbing Q Masonry Q Roofing Q Electrical work

START LIVING YOUR DREAM TODAY!

Call Dean Case 315-942-4949 • Cell 315-534-3319 • Fax 315-942-2527 Adirondack Builders, Inc. is an independently owned and authorized dealer/builder for Tennesee Log Homes.


Affordable Quality Homes Stick Built & Modular COMING SOON!

!

Video Tour

oN so g N Mi Co

Complete Home Packages Starting at !

Westmoreland

www.lifeandhomes.com

QSN #33898

!

oN so g N Mi Co

!

oN so g N Mi Co

Deerfield

oN so g N Mi Co

Westmoreland

R. kessler

25 years. Our Passion is complete satisfaction and Quality for all of our customers. Quality is the only way we build! Thank you to all of our new customers, their business, and the kind recommendations they’ve given.

& ASSOCIATES

Don’t rush your new home for the tax credit. We will give you the credit either way!

Robert Kessler Holland Patent, NY P. 315.525.6204 F. 917.534.6024 E. panel@dreamscape.com

We all fall down. Its the getting back up that really counts. Keep the Faith!

H. Palmer Properties, LLC

Investor’s Specials

315.868.8668 • howiepq@yahoo.com

14 Barns Ave , Utica

$58,000

• 2 Family • 3 Bedrooms Each • Fully Renovated • Replacement Windows • Vinyl Siding • Fully Rented $1,000 Monthly Income

1013 Hope St , Utica

$58,000

QSN 41142

$58,000

• 2 Family • 3 Bedrooms Each • Brick Home • Parking Across the Street • Fully Renovated • Fully Rented $1,000 Monthly Income

1008 Hope St , Utica

$58,000

• 2 Family • 2 Bedrooms Each • Fully Renovated • Fully Rented $850 Monthly Income

For more information, go to www.LifeandHomes.com and type in the QSN #.

$232,000 Price Negotiable Gross Monthly Income

$4,100 Properties can be purchased separately. ROP Permits in City of Utica for all properties.

www.Life and Homes .com

15

L i f e and H o m e s

QSN 41144

Package Deal! All 4 Properties

• 3 Family • 2 One Bedroom Units • 1 Three Bedroom Unit • Fully Renovated • Vinyl Siding • Fully Rented $1,250 Monthly Income

1021 Hope St , Utica

April

QSN 41143

Holland Patent

H o m e B u i l d e r , S i t e D e v e l o p m e n t, P r o j e c t M a n a g e m e n t

R. Kessler and Associates has been building and renovating homes throughout the Northeast for over

QSN 41141

$149,900


Central New York â–

L i f e and H o m e s

16

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .


There are 3 words to know to Successfully Buy & Sell Real Estate in Central New York.

John Brown Team

John Brown

Veronica Bunce Coe

Lori Scalise

Marcia Archibald

Cindy Brown-Major

Michelle Gorea Thompson

Cliff Ganey

Cindy Lazzaros

Leading agent in central New York for nearly 2 decades 735-2222 x26 • www.johnbrownsells.com • johnbrownsells@yahoo.com

April ■

www.Life and Homes .com

17

L i f e and H o m e s


Central New York â–

L i f e and H o m e s

18

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .


Your All Inclusive Home Directory Rome

LifeandHomes.com Salisbury Center

$38,000

$79,500

507 E. Bloomfield St.

Creekside Colonial

3 bedrooms / 1.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33874

For more details visit www.LifeandHomes.com Type in Quick Search #41188

Amy Abdoo • 315-794-2653

United Country Real Estate/HBE Group, Inc. John Carlin • 315-429-9754

Dominion Homes Broker/Owner • blon316@aol.com

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Sauquoit

$0

$139,900

406 W. Oak Street

9509 Pinnacle Road

4 bedrooms / 3.5 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33770

For more details visit www.LifeandHomes.com Type in Quick Search #41199

Maria E. Dailey • 315-336-0433

Jean Hunt • 315-725-4700

National M&D Dailey Realty

Hunt For Homes

Broker/Owner • dailey.realty@gmail.com

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Sauquoit

$55,500

$129,900

534 Mill Brook Road

3233 Mohawk Street

3 bedrooms / 1.5 baths

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33899

For more details visit www.LifeandHomes.com Type in Quick Search #41198

We Buy/Sell Houses • 315-264-9235

Jean Hunt • 315-725-4700

Oneida County Real Estate Investors

Hunt For Homes

Investor • phpenterprises@hotmail.com

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Stittville

$149,900

$144,900

611-613 Chatham St.

8541 State Route 365

3 bedrooms / 2.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41170

For more details visit www.LifeandHomes.com Type in Quick Search #41195

Tony Abone • 315-339-2222

Assist2Sell Seller’s and Buyer’s 1st Choice! Joanne Shedd • 315-790-1997

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

Licensed Mortgage Banker NYS Banking Dept

Stratford

$119,500

211 E Linden Street

$124,900 Recreational Home/Camp

3 bedrooms / 1.5 baths

4 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41169

For more details visit www.LifeandHomes.com Type in Quick Search #41190

RE/Max All Pro

United Country Real Estate/HBE Group, Inc. John Carlin • 315-429-9754

Tony Abone • 315-339-2222 Broker/Owner • proabone@cnymail.com

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

8086 Seneca Tpke Clinton, NY 13323 info@lewisseamlessgutter.com

April

315-732-9577

Gaetano’s Clients Enjoy Professional Real Estate Home Staging

No Job Too Small!

Go to SellingCentralNewYork.com or call 768.1680 x202

www.Life and Homes .com

19

L i f e and H o m e s

Services Include: - kitchen-bathroom remodels - trim work and painting - flooring - windows and doors - seamless gutters and covers


LifeandHomes.com Sylvan Beach

Your All Inclusive Home Directory Utica

$67,000

706 Nichols St.

Rent to Own

6 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #32684

For more details visit www.LifeandHomes.com Type in Quick Search #41115

Steve Ruscitto • 315-762-4488

Amy Abdoo • 315-794-2653

Oneida County Real Estate Investors

Dominion Homes

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$69,000

$59,900

503 16th Ave

717 Plant Street / 2 unit

Rent to Own

0 bedrooms / 0.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #32685

For more details visit www.LifeandHomes.com Type in Quick Search #33992

Steve Ruscitto • 315-762-4488

Joel Siegfried • 315-793-7580

Oneida County Real Estate Investors

SBG Realty

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Broker/Owner • info@sbg-realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Unadilla Forks

$149,900 6459 County Highway 18

Utica

3 bedrooms / 2.0 baths

6 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41231

For more details visit www.LifeandHomes.com Type in Quick Search #32737

Jay Groah • 315-272-3975

Tony Myers • 315-525-6291

$74,900 15 Hampden Place - 2 family

Coldwell Banker Faith Properties

The Nehemiah Fund

Licensed R.E. Agent • jlgroah@gmail.com

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$74,500 1203 Francis St - Multi Family

Utica

6 bedrooms / 4.0 baths

4 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #32832

For more details visit www.LifeandHomes.com Type in Quick Search #32157

Anthony Fumarola • 315-732-3456

Tony Myers • 315-525-6291

The Nehemiah Fund

Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$59,900

3 Sherman Place

A.Fumarola /Joyce Realty

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$124,900

$319,900

914 Mildred

North Utica

4 bedrooms / 2 baths / 2 half baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41193

For more details visit www.LifeandHomes.com Type in Quick Search #34001

Assist2Sell Seller’s and Buyer’s 1st Choice! Joanne Shedd • 315-790-1997

Steve & Rick Buck • 315-736-0865

Buck Construction

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Contractor/Developer • stevebuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Amy Abdoo Dominion Homes

Amy is a NYS licensed Real Estate Broker. For the last 6 years she has enjoyed working primarily with marketing foreclosures with several different banks and outsourcers. She resides in Clinton and when not “Helping You Make Our House Your Home”, she spends time with her husband and three boys. Give her a call or email for your Real Estate needs.

L i f e and H o m e s

$13,900

1314 Vienna Rd

Phone: 315-794-2653 Email: Blon316@aol.com

20

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .


QSN#33888

Rome

QSN#41156

$179,900 Rome

For sale is an old farmhouse and farm buildings. All buildings in poor condition.Farm/pasture in past.Age of buildings uncertain.Taxes have not been verified/updated.Acreage is approx. Buildings could be sold separately. Nice area for hobby farm.Small pond with stream.

QSN#33858

Floyd

QSN#33926

$54,900

Your new home awaits...Take advantage of the home buyers credit before end of april with this wonderful home that has many updates; new carpet, floors, paint, doors. Nice sized rooms with large closets. Main floor laundry. Large kitchen. Nice and bright!Welcome

QSN#41157

$84,900 Rome

3 Bed/1 Bath Very Nice 2 Story Home. Downstairs has been remodeled to include new Kitchen, new Bath w/ Double Sinks, a Computer area and French Doors Leading to a Patio off the Kitchen. Large Yard. Plenty of Parking.

Rome

$179,900

Think! This beautiful building houses an adorable upstairs apartment plus beautiful retail space - currently home to a gift boutique. A greenhouse for additional space, plus a warehouse in the rear. Lots and lots of updates have been made. Possibilities galore! Think of what you can do.

QSN#33755

$67,900

Bring your suitcases! Adorable 2 bedroom - bigger than it looks.Well kept, clean. Located on a less-travelled street. Master bed has large walk in closet. Nice sitting room upstairs. Great sun porch facing large back yard. Owner needs to find and close on suitable housing.

Rome

$34,900

4 Bed/2 Bath Nice 2 Family Home. Spacious. Good Condition. Large Backyard- to Creek. Garage and plenty of parking. Nice Investment. Furnace for downstairs is 2½ years old.

Denise Witchley Lic. Real Estate Broker/Owner 337-0841 office 335-6971 cell 337-7973 fax

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440

Whitesboro

$99,900

Versatile village home offers 4 bedrooms, 2 baths, Large foyer w/natural woodwork, many updates, very well maintained. Lends itself to an in-law or 2 family. Has 2 kitchens & can be switched back to separate utilities. MLS #1000056 Call 736-8000

Yorkville

$69,900

Bungalow home with an expanded 2nd level 2 bdrm apartment 1st floor features 3 bdrms. Great for in-law or 2 family. Great price in the Whitesboro School District. MLS# 913363 Call 736-8000

April

Whitesboro

$159,900

$188,500

Out in the country you’ll find this immaculately cared for & updated Raised Ranch on over 1 acre. 3 or 4 bedrooms, Din Rm, Fam. Rm., Sun rm. Appliances, 2 stall attached & 4 Stall Detached Garages. Convenient to Utica-RomeGriffiss MLS# 913225 Call 736-8000

Whitesboro

$285,000

Springs coming! Get ready to enjoy your summer fun in this meticulously cared for Colonial Home on a private Cul-de-sac location. Like new 4 bedrooms 2.5 Baths, Family rooom w/ Fireplace. Updated throughout. Granite countertops, 16’ x 16’ Three Season Sun room. MLS# 1000082 Dan Lazarek (315) 542-4338

www.Life and Homes .com

21

L i f e and H o m e s

Floyd

Just Listed! Completely Updated Spacious 3 Bedroom Ranch W/ Open Floor Plan. Features a New Kitchen, Formal Dining Room, New Bath, Hardwood Floors, Beautiful Family/Sun room Which Leads To Deck & Private Yard. New Bonus Family Room in Lower Level. 2 Stall Garage. Last Home on a Dead End Street. Take a Look at This HOT NEW LISTING Before it’s Gone! MLS# 1000828 Bob Spencer 601-0170 Office 736-8000


LifeandHomes.com Utica

Your All Inclusive Home Directory Westmoreland

$239,900

132 Pazdur Blvd

3 bedrooms / 2.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #33999

For more details visit www.LifeandHomes.com Type in Quick Search #41196

Steve & Rick Buck • 315-736-0865

Jean Hunt • 315-725-4700

Buck Construction

Hunt For Homes

Contractor/Developer • stevebuck@buckconstruction.net

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

ly mi a F

tiul

M

Licensed Mortgage Banker NYS Banking Dept

Utica

$62,900 905 Springate Street - 2 units

Westmoreland

6 bedrooms / 2.0 baths

3 bedrooms / 2.0 baths

For more details visit www.LifeandHomes.com Type in Quick Search #32023

For more details visit www.LifeandHomes.com Type in Quick Search #41031

Tony Myers • 315-525-6291

Maria E. Dailey • 315-336-0433

$225,000 6062 Lower Lawrence St.

The Nehemiah Fund

National M&D Dailey Realty

Investor • tonymyers@verizon.net

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$149,900

18 Symphony Place

3 bedrooms / 1.0 baths

4 bedrooms / 2.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41228

For more details visit www.LifeandHomes.com Type in Quick Search #41183

Kathy White • 315-723-7741

Laura Minard • 315-525-1974

Coldwell Banker Prime Properties

Lic. R. E. Broker • e_realty@verizon.net

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$87,900

55 Main Street

3 bedrooms / 2.0 baths

3 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41164

For more details visit www.LifeandHomes.com Type in Quick Search #33894

Thelma Chase • 315-363-5464

Rob Savoy • 315-337-2229

Royal Realty

Assoc. Broker • thinkthelma@twcny.rr.com

Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vienna

Licensed Mortgage Banker NYS Banking Dept

Yorkville

$64,900

141 Whitesboro Street

2 bedrooms / 0.5 baths

5 bedrooms / 1.5 baths

For more details visit www.LifeandHomes.com Type in Quick Search #41192

For more details visit www.LifeandHomes.com Type in Quick Search #41225

Thelma Chase • 315-363-5464

Dorothy Neumann • 315-527-3542

NeuDot Realty

Assoc. Broker • thinkthelma@twcny.rr.com

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

featuring

Bill Lake Homes

A different kind of home built with pride & integrity by professionals.

Bill Lake has been the leader in building energy efficient custom homes for over 43 years. Call Dave today!

$89,900

7436 St Rt 13

Don Kingsley Real Estate

L i f e and H o m e s

$157,000

5613 Rt 31

Don Kingsley Real Estate

KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

22

$368,000

4902 State Route 5

Coldwell Banker Prime Properties

KD Homes

$34,900

North Utica

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

hardwood flooring • stair parts • molding

We Stock

KILN DRIED cherry, walnut, maple, butternut, ash, oak, exotics and woodworking supplies Visit our website anytime www.lakeshorehardwoods.com

266 Manwaring Road, Pulaski, NY 13142 • 315-298-6407


6377 State Route 233, Rome NY • 315-336-7323

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment More Available - Come in for a List! iCe

Pr

4 Bedroom Large New 4 Bedroom 2 Bath Ranch. New Range and Refrigerator, Great for Kids, on Cul-De-Sac, Large Deck and Storage Shed $58,900

Our Best Buy

Just Remodeled 3 Bedroom 2 Bath Ranch, Central Air, Carport Storage Shed, New Carpet $35,900

On Cul-De-Sac

Very Nice 3 Bedroom 2 Bath Ranch on Cul-De-Sac. Fireplace, Oversized Insulated Garage New Roof, New Carpet, New Windows $49,900

iCe

Pr

Beautiful Ranch Near New Owner Transferred. Pristine 3 Bedroom 2 Bath Ranch, Central Air, New Windows, Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan. 1½ Car Garage, Large Deck, Some Harwood Floors, Jacuzzi. Reduced- Must Sell! $48,900 Owner Anxious. $59,900

Otsego County

$325,000

$350,000

Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $54,900

$649,900

$230,000

Southern Herkimer County NY. Gentleman’s Farm. 58 acres. Very nice 2 story 4 bdrm home. Well kept & maintained. In ground swimming pool. 2 car garage. Good 2 story 36x70 barn. Room for 25 head of cattle. Drive in mow. Hold appox. 5,000 bales of hay. Very nice year round stream. Decent fencing for beef or horses. Great Hunting. Great place for a road side stand. Close to all! Asking $230,000.

www.Life and Homes .com

23

L i f e and H o m e s

Washington County Farm. 383 acre dairy farm situated on a very quiet road with beautiful views of the Adirondack Mountains. 230 acres tillable all in hay. 120 acres of woods. Balance pasture. Good 95 stall Dairy barn ready to milk. Machinery Building, 3rd barn for hay storage. Very nice 5 bedroom home. Year round stream. Awesome hunting. Close to Lake George. Easy to get to from Albany. Mins from I87. Asking $649,000 additional land available for purchase.

Herkimer

Catskill, NY. Minutes to I87. 100 miles from NYC. 60+/- acre Gentleman’s Farm. Outstanding views of the Catskill Mountains. Great for vegetable growing. 2 large pole barns. Good 2 story 4 bdrm 2 bth Brick Cape style home. Trout stream. Good fishing & hunting. This is a great place to raise beef or horses, make hay & grow vegetables. Fair offers are being considered! Reduced to sell from $400,000 to $350,000.

Washington County

D He as L s

April

Otsego County Dairy Farm - 150 m/l acres. Good 2 story 49 stall barn. 45x45 shop & machinery building, 45x45 young stock barn. 2 upright silos w/good un-loaders. Nice 2 story 5 bedroom home set up for two families. 2 small ponds. Very quiet road, beautiful views, nice location. Farm borders nice large state forest. Owner is retiring. Asking $325,000.

Catskill

D He as L s


You Gotta Have Faith.

L i f e and H o m e s

â–

Central New York

Each Office is Independently Owned and Operated

2306 Genesee Street Utica, New York www.Central New York.com

24

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

735-2222


Anthony Vaccarelli Audrey Johnson

Cindy Lazzaro

JC Pantola

Barb Roberts

Jenny Carabin

Jim Lenahan

Ben Tringo

Bitsy Maye-Rattler Bozena Sroczyk

Susan Martorell

John Brown

Cindy Major

Jonathon Smoulcey Judy Hinman

Cliff Ganey

Deborah Hapanowicz

Keith Schuderer

Bert McCumber

Derby Family

Kelli Inserra

Diane Lockwood

Linda Peters

Henri Abiyaghi

Lori Hamlin

Ismail Yildirim

Lori Scalise

Jay Groah

Michelle Faga

Marcia Archibald Pauline Nicoterra

Veronica Coe

Rick Rodio

Rosemarie Costello

April â–

www.Life and Homes .com

25

L i f e and H o m e s


735-8515

Campion-Weeks

Adeline Griffiths Alice Donnelly

141 Genesee St., New Hartford www.campionweeks.com Voted Top Residential Real Estate Compnay

Anne Hameline Anthony Desarro

Azza Diorgi Brett Lojewski

Old Forge

$529,000

Lovely year round contemporary home. 3BR, 2 baths, cathedral ceiling, stone FP. 133 ft sandy beach front. MLS#803024 www.Campionweeks.com 735-8515

Rome

$350,000

Exceptional opportunity to own this “One of a Kind” 5 bedrm brick colonial. FR, DR, library, 3 full and 2 half baths. Maids quarters. 3 car carriage house w/ apt. Inground pool. MLS#912768 www.Campionweeks.com 735-8515

Brantingham Lake

$309,900

Waterfront, year around home on the lake. Great views, 2 bedrms, many updates. 1 bedrm guest cottage. 2 car garage. MLS#913245 www.Campionweeks.com 735-8515

Sauquoit

$284,900

Beautiful 5 bd, 2.5 bath colonial in Emerald Hill Estates. DR, FR, finished lower level. Double Garage. MLS#1000711 www.Campionweeks.com 735-8515

Carla Dochterman Carol Chiarello

Carole Owen Caroline Marino

Marcy

$229,900

Beautiful & spacious brick ranch on 6+ acres. Fireplace, new windows & doors. FR, DR, in-law apt, double garage. MLS#1000532 www.Campionweeks.com 735-8515

Whitesboro

$299,900

Wonderful 4 bd colonial w/ a contemporary flair. Fr, master suite, 2.5 baths. Applianced kit. Double garage. MLS#1000624 www.Campionweeks.com 735-8515

New Hartford

$249,000

Transitional, professional office. Currently a law office. Excellent village location. Rentals on 2nd floor. Waiting room, reception, conference room. MLS#911696 www.Campionweeks.com 735-8515

Westmoreland

$189,000

Open floor plan we love! 4 Bedroom, 2 bath log home. DR, well built. Park-like setting. MLS#1000228 www.Campionweeks.com

Dave Malozzi Kim Johnson

735-8515

Linda Cavalier Linda Kuzniar

New Hartford

$169,900

Ranch style condo w/ open concept. Dining area, 2 bedrooms, 2 baths. Vaulted ceiling, treed yard. Full basement, attached garage. MLS#1000235 www.Campionweeks.com 735-8515

New Hartford

$175,000

Well maintained 3 bedrm townhouse in Oxford Heights. Dining area, 2.5 baths. Updated roof, appliances, flooring. Nice deck, att gar. MLS#1000636 www.Campionweeks.com 735-8515

Floyd

$169,900

Wonderful contemporary in a private setting. 3 Bedrms, 2.5 baths. New kit & baths. DR, 2 car garage. Holland Patent schools. MLS#912281 www.Campionweeks.com 735-8515

Prospect

$149,900

Attractive 4 bedrm, 1.5 bath village home. Family rm, dining rm, modern kit, large garage. Pretty yard backs up to park. Holland Patent schools. MLS#912774 www.Campionweeks.com 735-8515

Luis Montero Marilyn Valvo

Mark Canter MaryBeth Roberts

Yorkville

$164,900

Generous size 3 bedrm, 2 bath ranch. DR, fireplace, sunroom overlooks great yard. FR in lower level, 2 car att garage. MLS#912853 www.Campionweeks.com 735-8515

Sauquoit

$144,900

Lovely remodeled ranch with dramatic flair. New, state of the art kit, stainless appliances, stone fireplace, 4 bedrms, 1.5 baths. Double gar. MLS#913299 www.Campionweeks.com 735-8515

East Utica

$124,900

Neat & clean 4 bedrm cape. Lge kit w/ appliances, new deck& roof. Att. garage, double lot. MLS#1000667 www.Campionweeks.com

735-8515

East Utica

$129,000

Michael Grassi Pat LoGuidice

Vinyl sided 3 bedrm, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage. MLS#1000409 www.Campionweeks.com 735-8515

Central New York

Paul Durrigan Rosemary Nicotera

Ruth Fanelli Sabrina Arcuri

Boonville

$105,900

$125,000

Spacious 4 bedrm, 2.5 bath colonial on 4 acres. DR, FR, sunroom. Great view from front porch. 2 car att garage. Being sold As-Is. MLS#912568 www.Campionweeks.com 735-8515

Whitesboro

$119,900

Great 3/4 bedrm home with original woodwork & hardwood floors. DR, updated kitchen & bath. 2 car garage. Large lot. MLS#913095 www.Campionweeks.com 735-8515

East Utica

$74,900

Nice 3 bedrm apt income property. One 2 bedrm apt, two 1 bedrm apts. Separate utilities, vinyl siding. MLS#1000225 www.Campionweeks.com 735-8515

Sam Vedete

Susan Alberico

Tom Conte

Tom Mazzotta

Vera Sadallah

Wade Evans

L i f e and H o m e s

Beautiful,charming village home. 4 bedrms, 1.5 baths, den DR, great yard. Garage. Wonderful detail throughout. MLS#911869 www.Campionweeks.com 735-8515

Remsen

Yorkville

$79,900

Quaint & neat 3 bedrm home. DR, sunroom, updated applianced kitchen. 2 car garage. Double lot. 2 BRs down, 1 BR up. Vinyl siding, most new windows.

MLS#911716 www.Campionweeks.com

26

735-8515

Schuyler

$61,000

Immaculate, newer 3 bedrm, 2 bath double wide. Den or 4th BR, central air, deck. Appliances. Located in park just over city line. MLS#1000396 www.Campionweeks.com 735-8515

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

New Hartford

$64,000

Formerly a church & meeting hall. Approx 3000 sq ft on main level. Zoned for 1 or 2 family home. MLS#1000497 www.Campionweeks.com

735-8515

Chadwicks

$58,000

Nice 2 bedrm home in Sauquoit school district. Att garage, full basement. Convenient location. MLS#913327 www.Campionweeks.com

735-8515


mortgageCorner

Everything You Need To Know About A Remortgage By James Copper

When looking to remortgage, your aim is to switch to a deal that is more beneficial to you and saves you money/increases flexibility etc, whether this be sticking with your present lender or changing to another. What Are The Benefits Of Remortgaging? Remortgaging is a chance to switch from an inadequate mortgage and take full advantage of current products available such as fixed rate, tracker or discount mortgages which can offer you more competitive rates. Choosing the right deal for you is just as important when remortgaging as it was the very first time. Consideration should be given on your prediction of future interest rates, your own risk assessment, your income and the balance of the loan outstanding. You will also need to weigh up your monetary needs and present circumstance. Adverse Credit Remortgages also enables you to cut loose from a dissatisfactory lender as there is nothing to say you should stay with the same one. Doing either of these things when remortgaging may considerably reduce your monthly out goings. This is just one benefit of deciding to remortgage. Say for example you have a loan of 100,000 and are paying a rate of 7.5% interest; you then switch to another lender which has a rate of just 7% interest. This would mean you would be saving 31 each month, that's nearly 400 per annum.

able to recommend certain people in association with them that could lower your costs. There maybe early repayment charges on your existing mortgage. This is when there is a penalty if you redeem the mortgage within a fixed period of time after commencing. For example, this could be additional pay of three to six months or a percentage of the loan amount. When looking at the cost of a remortgage you also have to look at the possible longer term benefits of the process and the money you could save. Quick Action Plan If still indecisive on whether remortgaging could work for you, run through the following points: Communicate with your existing lender and ask for a redemption statement. This indicates any penalties you will be charged in the event of remortgaging. It also states the amount still left to pay on your current mortgage. When looking at a remortgage deal be sure to look at all the small print and ask the lender to clearly show what your potential repayments would be. It

Armed with these facts and figures you should then weigh up whether remortgaging will benefit you and whether the long term savings will outweigh the immediate costs of remortgaging. James Copper enjoys writing on all aspects of finance. He works for Any Loans who specialise in the Adverse Credit Remortgage and Adverse Credit Mortgages. Source: 1starticles.info

Within three days of receiving your application for financing, lenders must provide a “Truth In Lending Disclosure Statement” giving you complete financial information about the loan.

NO Downpayment • NO Monthly PMI Call for Details

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

Licensed Mortgage Banker • NYS Banking Department

315-534-2524 Mortgage Originator

LoWEST

Rates in the Area! 10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net www.Life and Homes .com

27

L i f e and H o m e s

Financial Services, Inc.

Anthony Tefel

315-404-5253 Mortgage Originator

April

The Cost Of A Remortgage As with your original mortgage, a survey to confirm the value of your property will need to be done as the first one will no longer be valid. Add onto this solicitor fees and administrative costs, however these will be lower than mortgaging for the first time and depending on your lender, they may be

Add up all costs payable with any new lender i.e., the arrangement and administrative fees. Legal fees should also be added on, these will vary depending on where you go and the value of your property.

100% Purchase Money Loans

Sometimes money tied up in the house could be put to better use else where. For an amount larger than what is needed to repay your original mortgage, remortgaging can release some of this equity to put towards investing in a new business venture or maybe even another property. How Long Will The Process Take? The process of remortgaging tends to be faster than that of a normal mortgage (but slower than adverse credit loans) as in this case you're not buying a property. The whole process without considering individual circumstances should take on average six weeks.

is always useful to ask for something in writing to use as a reference.


FinancialPlanning

should You Convert Your traditional iRa to a Roth iRa in 2010? Sal Valente

a very important retirement rule has changed in 2010. in the past, only persons with adjusted gross income below $100,000 could open a Roth iRa. However, in 2010, that income cap went away. and, as an additional incentive to consider a Roth iRa, the income taxes required for converting an existing Traditional iRa or employer Plan (401(k), 403(b), etc) to a Roth iRa can be spread out over 2011 and 2012. no taxes would be due in 2010.

The Roth iRa differs from the Traditional iRa. With the Roth, monies grow tax-deferred and withdrawals are not subject to income taxes. You can contribute to a Roth iRa after age 70 ½ if you have earned income. There is no required minimum distribution (although beneficiaries will be subject to a minimum distribution). Contributions to a Roth iRa are not tax-deductible.

There are a number of factors to consider when deciding whether to convert to a Roth iRa: time frame until retirement, income taxes, benefits and investment options, to name a few. as with all key financial decisions which may impact your retirement, seeking advice from a qualified professional is advised.

Life Insurance = Sound Financial Strategy

to Convert your iRa or not to Convert your iRa? that is the Question. Get the answer: Central New York

if you are wondering whether or not it makes sense to convert your Traditional iRa to a Roth iRa in 2010, i can help. for your complimentary consultation contact:

L i f e and H o m e s

6 Tower Place albany, nY 12203 (315) 717-4913 (Cell) www.capitalfinancialplanning.net sal.valente@ingfp.com

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

READ MORE

Salvatore t. Valente iii Vice President

(Read Complete Article at: www.lifeandhomes.com/cny. Click

on Financial Planning tab at top of page.

the difficult Search for dividends When shares tumble, investors often flee to dividend stocks in order to benefit from streams of income, even as valuations plunge. But this time, there’s a glitch: it wasn’t just valuations that got hammered in this downturn. The fourth quarter of 2008 was also the worst quarter for dividends since at least 1956, when standard and Poor’s started keeping such records. READ MORE

Securities and investment advisory services offered through ING Financial Partners, Member SIPC. Capital Financial Planning is not a subsidiary of nor controlled by ING Financial Partners.

28

There are at least three very good reasons to include life insurance to your financial strategy: Reason 1: Take today a group of 100 people at the age of 25. according to the social security administration (ssa Publication no. 13-11871, april 2000) 16 of them already died when the group reaches the age of 65. The number of people who needs to be supported by family and charities at that age is 66.

(Read Complete Article at: www.lifeandhomes.com/cny. Click

on Financial Planning tab at top of page.


Superior Homes of Central New York, Inc

“When buying everything new, our manufactured homes are the best buy in housing” Site Development... We are set up to install perimiter block walls, skirting pad and basements. We also install Wells, Septic Systems, Driveway, Electrical Hook-up. No contractors are needed. Land - Home... Let us put together a Land/Home package with the home of your dreams and site development on your land or ours. Financing... We work hard to find you a good interest rate, to finance your home/land/ site development. Up to 30 years. Now is the time to buy interest rate are at an all time low. Take Trades... Let your old home work for you, we take older homes in trade towards your downpayment. Home Only... We can place a new home on your land or in a community setting, and work with you to get you financing you need.

4850 Route 69, Rome, NY 13440 • www.superiorhomes.info

Call 315-336-3911

Rome

$149,000

Route 69 2 Bedrooms (3 & 4 Unfinished upstairs) / 1 Bath Full Cellar • 1920 square feet • Attached 2 Stall Garage • Forced Air Oil Brand New 2.5 Acres • 200 feet road frontage

April ■

Visit or Call 315-865-7418 • lms1960.globalmobile1.com

www.Life and Homes .com

29

L i f e and H o m e s

It doesn’t get any better


Home Service network

exclusive Members that Have shown exceptional customer service

The Missing Pieces to a Hassle-Free Home Furniture

Builders AdirondAcK BuiLders 315-942-4949 log Homes, Basements, custom kitchens, Member since 08/09

additions, carpentry. General contracting. electrical work. log Homes, Basements, custom kitchens, additions, carpentry. General contracting. electrical work.

ironWood FurniTure 315-853-7300 serving cnY. Quality amish solid wood furniture

neW Homes moduLAr co 315-891-3254 serving cnY. “the Best Homes at the Best Prices.”

Member since 09/07

Member since 06/07

at affordable Prices. see our great selection of tables, chairs, Hutches, Bookcases, Bedrooms, and much, much more. www.ironwoodcnY.com

Heating Oil Cabinetry & Countertops KnoTTY BY nATure 315-822-0010 on the corner of rt. 8 & 20 mins from Utica.

moHAWK Home comForT serVices 800-432-8669 Heating oil, kerosene, diesel, Gasoline & 800-765-6511 Heating equip. Propane in Madison/oneida 800-692-2525

Member since 11/07

Member since 09/07

custom cabinetry, flooring, & Molding for all your needs.

THe HeArTH sHoP @ uniV. BLdG suPPLY 315-337-3340 easy track closet systems - estimates, design, 315-732-2350 installation.the More economical, easy installaMember since 02/08

Member since 10/06

adirondacks to lake ontario.we come to you!

Central New York

Bcs eXcAVATinG 315-841-3573 deansboro • servicing cnY. Bobcat and mini

& Buyer inspections, septic systems, inspections & dye tests,water Purity.the only local nYs doH elaP certified continuous Monitor radon testing lab in oneida county.

Insulation enVironmenTAL conTrAcTinG 315-269-7900 serving cnY. specializing in spray-on-foam. fully Member since 09/07

insured. energy saving Benefits. free estimates

Kitchen & Baths emPire BATH & KiTcHen, inc. 315-733-0408 empire is a locally owned company featuring Member since 04/08

excavator, septic, sewer,trenching, Posthole drilling, demolition

Fireplaces & Stoves

L i f e and H o m e s

custom cabinetry, flooring, & Molding for all your needs.

mercial needs. accent your home with new outdoor lighting, hanging lights, chandelier and bathroom light fixtures.

Excavating

THe HeArTH sHoP @ uniV. BLdG suPPLY 315-337-3340 cnY’s source for warmth! fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. also

30

Remodeling

Member since 11/07

Member since 07/08

miLLs eLecTricAL suPPLY 315-337-5760 serving cnY for all your residential and com-

Member since02/08

serving cnY. Pick Your Package, lock in Your Price. Get directtV and lock in the best price on the best programming for 12 months.

rAce consTrucTion 315-534-2307 interior & exterior remodeling. all Phases of

smiTH insPecTion serVices, LLc serving cnY and the Mohawk Valley. Pre-listing 315-363-8074

Electrical Supplies

Member since 03/06

Member since 07/07

Home Pro Home insPecTions on the corner of rt. 8 & 20 mins from Utica. 315-822-0010

enerGY & insuLATion soLuTions 315-285-5074 serving all of the north country. from the

Member since 10/07

J.K. sATeLLiTe 315-339-1930

construction. siding,windows, Garages, decks. specializing in infloor Heating.

tion system on the Market.

Energy Member since 04/10

we will not be undersold. “stickbuilt Quality” Modular Homes.

Satellite

counties. www.mohawkhcs.com

Home Inspection Closets

Modular Homes

mantles, custom stone work, custom hearths. free estimates.

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

a complete kitchen & bath showroom. our cabinet lines include: omega, Plain n’ fancy and armstrong. let our design team help you with your next project.

KiTcHen desiGn cenTer serving cnY. check out our winning combina315-724-7049 Member since 07/08

tion of kitchen design center & custom stair & Millwork.we handle Yorktowne & kraftmaid cabinetry

Stone & Landscaping Products mAdden concreTe & mAsonrY suPPLY 315-724-8111 retaining walls, Patios, Mulch & stone, fire Pits Member since 03/08

& Places, Masonry tools, decorative stone. call today for all Your landscaping needs.

Swimming Pools Treen’s PooLs 315-717-6499 sales • service • repairs • installation • Quality & Member since 04/09

dependable service for 20 Years.

Waterproofing WiLcoX BAsemenT sYsTems, inc 315-896-3979 serving all of cnY. Basement & crawlspace Member since 03/07

waterproof solutions. foundation repair. www.wilcoxbasement.com

Well Drilling AW KincAid inc 315-697-7720 well drilling & water systems. established 1916. Member since 10/07

well drilling- rotary & cable tool.water Pumps serviced & installed. certified by national Ground water assoc.


Utica Landlords Association Time: 6:30 When: 3rd Monday each month Where: City Hall, common council chamber Next Meeting: 4/19/10

• great networking tool • list of Tenants evicted for the past 2 yrs provided to landlords • we are a growing group of landlords that care about our properties and how we are portrayed in the media, come join us and make your voice heard • no landlord is to small we have people with 1 duplex and up, the power is in the numbers

Monthly guest speakers each covering areas of concern we face as landlords, ie: • police dept • fire dept • codes dept • property insurance • income taxes • Section 8 • Dept of Social Services • City of Utica Corporation Counsel • City Marshals

contact us 725-9298 (John) 868-8668 (Howard)

April ■

www.Life and Homes .com

31

L i f e and H o m e s


Laura Minard

Licensed Real Estate Salesperson

315-768-1680 Ext 205 Office 315-525-1974 Cell Lauraminard@cbpp.com www.ColonialSquareTwinHomes.com

Twin Home Prices from $189,900

Come to an

Open Ho use Call L aura for S howing

Under Construction North Utica

QSN#33997

Central New York

2 bedroom, 2 bath town home with granite countertops, central air-conditioning, and a 12x12 back deck, with the other half of the town home still available for sale in which the home buyer can upgrade to their personal preference and satisfaction.

â–

L i f e and H o m e s

$209,900

New Hartford

QSN#33998

$349,900

3 bedroom, 2 ½ bath two story colonial with a full, walk-out basement, stone entry, hardwood floors, three stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.

North North Utica Utica

QSN#33999

3 bedroom, 2 bath home with hardwood floors, designer series gas fireplace, vaulted ceilings, stone masonry, energy star windows, formal dining room, granite countertops, and 80% reduced property taxes.

To See the Progress of the Homes Pictured Above, Log On to www.LifeandHomes.com and type in the QSN#.

105 Main Street Whitesboro, NY 32

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

$239,900

North Utica

QSN# 34001

$319,900

North Utica

New Construction

$219,900

315.736.0865

stevebuck@buckconstruction.net

Life and Homes Central New York  

LifeandHomes offers an extensive network of real estate resources and information, connecting real estate industry professionals and the com...

Read more
Read more
Similar to
Popular now
Just for you