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For Just A Little More…

Life and

Homes

House hunting can be exciting, frustrating, exhilarating and exhausting. If you’re just beginning the process, prepare yourself to look at many houses before you find “the one”. Beware, though, of the “super-size” it temptation. You know the drill. You order a small (fill in the blank) and the helpful cashier reminds you that for just a few cents more, you can super-size your order.

Oneida County NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC.

It’s pretty common for potential buyers to lose focus somewhere in the shopping process. You start out looking for three bedrooms and two baths but once you walk through that corner house with the extra room that could be used as a spare room or den, you’re tempted to spend just a little more to get a little more.

Before you know it, instead of looking at houses safely within your target price range, you’re touring homes on the high end of that budget and convincing yourself you “deserve” the extra space.

Publication Franchisee, RMC David P. L isi Corporate Editor Kim L isi Kim@dslisi.com

How to Reach Us

How do you combat the temptation to over-shop? Make a checklist of the things you’ve decided ahead of time are a “must have” for your future home. This David P. Lisi , RMC might include a specific number of bed/bath rooms, location, storage space, Real Estate Marketing Consultant move in condition and, of course, price point. Make a commitment to stick to 315-865-5845 • David@dslisi.com your budget and “must have” list, and if you’re using a real estate agent, insist they only show you listings that meet your specific criteria. Find someone who will hold you to your list and listen when they remind you you’re straying outside your boundaries. Saving just a little more generally yields more favorable results than spending just a little more.

LifeandHomes can make your home search easier. This issue features some of the best real estate deals on the market in a wide variety of price ranges. Visit www.LifeandHomes.com and use our Open Market Listing ServiceTM to view even more real estate listings including residential, commercial, waterfront, multi-family and land/lot properties.

Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com (Please do not send attachments)

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

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

Regional/National Account Executive: Rob T hrasher 315-941-3452

rob.thrasher@gmail.com

Mortgage rates are holding at record lows and the market is brimming with listings. July is shaping up to be a great month for buyers and sellers. Get your checklist together and start house hunting. You know the drill.

i David P. Lis

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

Distribution 1.888.260.3343 x2

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Advertising Deadline August Issue July 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

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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.

You can do that with

vinyl siding?

With the economy making a slow rebound, homeowners continue to look for cost-effective options when building or renovating their home. Natural exterior building materials are often very expensive and require both time and money to maintain. Choosing vinyl and polymeric siding is one way people are saving on building materials. Both siding options, which many considered at one time to be fake-looking or boring, have become one of the most versatile, detailed and eco-friendly home exterior products available on the market today.

Throughout the last few decades, vinyl cladding products have evolved from simple, smooth, non-engineered panels without much detail, to now include hundreds of colors including dark hues, engineered features that drastically improve on-the-wall performance, and computer digitized woodgrains from real wood to create authentic-looking accents and profiles such as shake, shingle and scallops. The ability of manufacturers to create natural-looking products that can be customized for a wide range of home styles means that homeowners in every part of the country can find a style that suits them.

For more information about the attributes of vinyl siding, visit www.plygem.com, and check out www.bsbdesign.com for ideas on personalizing your home with vinyl siding. (ARA)

U.S. Housing and Urban Development (HUD) Secretary Shaun Donovan announced nearly 8,000 homeless veterans will get permanent housing assistance through a HUD rental assistance program that connects homeless veterans from local Veterans Affairs Medical Centers (VAMC) with rental assistance vouchers provided by local public housing agencies. HUD’s Veterans Affairs Supportive Housing Program (HUD-VASH) will provide local public housing agencies with $58.6 million in funding specifically targeted to assist homeless veterans in their area.

The Colors of “Now”--Homeowners interested in giving their spaces a more dramatic pop can join the trend toward incorporating bright, vibrant colors into the home. Profound pinks and rusty oranges can be found playing against off-whites and stony grays to create a space that is sensual, eclectic and worldly.

Playful yellows in combination with pure white and sleek black pack a punch and are great for the home decorator who isn’t afraid to make a bold statement.

“Frivolous choices are a thing of the past,” says Dee Schlotter, paint color expert at The Voice of Color, PPG Pittsburgh Paints. “Today’s color trends have staying power. You renew instead of buying new. You choose sustainable colors with an environmental and economic awareness that’s becoming second nature for us all.”

For a local breakdown of the rental vouchers, visit hud.gov

REAL ESTATE Top Performers

Coldwell Banker- Faith

Linda Peters

315-527-1252 May Sales Volume: $803,800

Whether you want to stick with the classic colors of then, the current colors of now or create your own style, you’ll want a high-quality paint brand that offers a variety of color choices. For example, PPG Pittsburgh Paints has nearly 2,000 colors, unique color palettes and yearly color trends.

Coldwell BankerPrime Properties

Jodie DeCosty 315-723-8554 June Sales Volume: $504,000

To learn more about the latest colors and trends and to find a nearby paint dealer, visit www.voiceofcolor.com. (NAPSI)

Great Job! www.Life and Homes .com

3

L i f e and H o m e s

When you’re ready for a change, you can have a new home without changing your address.

How? With paint. Homeowners looking to change up their decor have found that color trends in home design are deeply rooted in

The Colors of “Then”--For those looking to incorporate a more classic feel into their homes, neutrals such as deep gray-brown, muted and warm beiges and asphalt grayblue are choices that work together to create environments that are calm and organic. Together, they allow for a merging of modern and rustic styles. Creamy whites, serene sea foam blue-green, pale butter and deep bronze-golds with metallic finishes provide a similar feeling, but can create a more refined and romantic space.

For Veterans

■

Decorating Ideas

HUD Housing

July

Colorful Home

both “then” and “now.” The idea of decorating using colors that reflect the new and the old takes shape by showcasing classic, calming neutrals with a few energizing standout colors, such as bright pinks and yellows.

Tips And Gear To Make Travel

More Enjoyable Getting the right on-the-go gear is an easy and affordable way to avoid the stress of traveling and can keep everyone entertained. Here are some helpful tips to make your vacation more enjoyable: • Bring a survival kit--Travel plans don't always go smoothly, so ensure you can keep everyone in good spirits in the unlikely event of a breakdown or airport delay. Essentials such as snacks, sunscreen, bottled water, first-aid supplies and a flashlight can help you weather the unexpected.

The little extras--coloring books and crayons, a favorite pillow or blanket, DVDs to watch en route and a Kindle loaded with your favorite books (available nationwide at Target)--will keep everyone comfortable and occupied.

• Watch the road--Having maps handy will take the hassle out of any road trip--or even the quick drive across town. A GPS navigation system is a must-have to keep your travels headed in the right direction. Most GPS systems can guide you through unfamiliar areas; suggest an alternative route around rush hour traffic; find the closest hospitals, police stations and fuel stations; and perform an increasing array of infotainment functions. Printing out airport or roadside maps ahead of time lets you preplan your pit stops and make the most of every minute.

L i f e and H o m e s

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Central New York

• Keep kids entertained--Keep boredom at bay by bringing along entertaining gadgets such as the RCA 10" portable Blu-ray player ($299.99 at Target) or the new big-screen Nintendo DSi XL handheld that will keep kids of all ages amused for hours, on and off the road.

• Tune in or out--Take your iPhone or iPod Touch and you can use free apps such as Pandora Internet Radio and Shazam to turn your trip into a musical adventure. Just make sure you don't forget an iPhone/iPod car stereo 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 adapter-they're available for almost any car, whether you have an auxiliary input, AM/FM adapter or a tape deck connection. Also, bring along some headphones for those family members who prefer to travel to the beat of their own iPod. • Capture the moment--Don't miss a moment of the fun--capture it on video so you can share and remember your trip for years to come. With the Flip MinoHD Camcorder, it's easy to film your own videos and upload them directly to Facebook or to your computer. The Flip is a stylishly small, pocket-sized device and it's available for $199.99. (NAPSI)

Countrywide

often by 100% or more – and Countrywide then charged the homeowners the marked-up fees.

Countrywide earned substantial profits by funneling default-related services through subsidiaries that it created solely to generate revenue.

According to the FTC, under most mortgage contracts, homeowners must pay for necessary default-related services, but mortgage servicers may not mark up the cost to make a profit or charge homeowners for services that are not reasonable or appropriate to protect the mortgage holder’s interest in the property. (FTC) 59% of homeowners with a mortgage would not consider walking away from their home no matter who much their home is ‘underwater”.

- Survey by Trulia and Realtytrac.

Fined $108 Million For Overcharges Two Countrywide mortgage servicing companies will pay $108 million to settle Federal Trade Commission charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes. The $108 million will be used to reimburse overcharged homeowners.

According to the complaint filed by the FTC, Countrywide’s loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees – fees that could add up to hundreds or even thousands of dollars. When homeowners fell behind on their payments and were in default on their loans, Countrywide ordered property inspections, lawn mowing, and other services meant to protect the lender’s interest in the property, according to the FTC complaint. But rather than simply hire third-party vendors to perform the services, Countrywide created subsidiaries to hire the vendors. The subsidiaries marked up the price of the services charged by the vendors –

LifeandHomes provides Free Access to

High Definition real estate Videos on Demand

Local Homes For Sale Go to

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LH

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

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Rome

$649,900

Forest Ridge Drive, Beaver Creek Estates

• Be the first to know!

• Hot new listings & price updates!

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

• Tailored to meet your exact needs!

Coldwell Banker Prime Properties

Contact me or visit my website for Exciting Details!

West Turin

$625,000

Richard Parent • 315-768-1680x203

Sauquoit

$329,900

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

$264,900

Richard Parent • 315-768-1680x203

7357 Trenton Road

$249,900 2449 Rt. 8 (Bridgewater)

5 Bedroom Victorian, Acreage & Additional 2 Family!

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

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

Coldwell Banker Prime Properties

Coldwell Banker Prime Properties

Russia

West Winfield

Richard Parent • 315-768-1680x203

$224,500 5089 Military Road - 3.8 Acres

6 Bedrooms/4 Baths/56 Acres & Views!

Richard Parent • 315-768-1680x203

$176,000 390 Fairview Circle - Pristine Ranch

3 Bedrooms /1.5 Baths/ Large Barn

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

West Winfield

Poland

Richard Parent • 315-768-1680x203

$149,900

318 Fairview

Richard Parent • 315-768-1680x203

$114,900

50 Coldbrook St - Great Village Location

3 Bedrooms/2 Baths

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

Little Falls

East Utica

Richard Parent • 315-768-1680x203

Richard Parent • 315-768-1680x203 July

$89,900

1506 Clementian Street

4 Bedrooms/2 Baths- plus barn

Well Kept 2 Family - 3 Bedrooms Each Unit

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

Richard Parent • 315-768-1680x203

www.Life and Homes .com

5

L i f e and H o m e s

103 Cramer Road

■

$109,900

newsShorts Simple Fixes That Will Make

Your Kitchen Feel Brand New When it comes to your kitchen, details make all the difference. It’s often the most used and best-loved room in the house, so having a room that meets your needs and expresses your personality is key. If your kitchen’s design has been frustrating you by creating clutter and giving your home an out-of-date feel, it’s time to make some changes.

The good news is that, because details carry so much weight, making relatively small adjustments can have a lot of impact without being prohibitively expensive.

One of the simplest changes you can make is changing the hardware on your cabinets, but this little move can completely alter the feel of your room.

Whether your cabinets are minimalist, traditional or somewhere in between, you can give them a different spin by changing the finish or style of your cabinet knobs and handles.

Right now, trends are leaning toward softer, muted finishes like oil-rubbed bronze and brushed nickel.

The Aspen line from leading decorative hardware maker Top Knobs is available in wide variety of styles, whether you’re looking to change the cabinet hardware in your kitchen, bath or on your closets.

No matter what kind of decor you have, pay attention to quality. It’s easiest to gauge this if you can feel and see the products in person. While you can go to a show room to test things out, Top Knobs also sends out free samples of its solid, hand-finished metal drawer knobs and handles. You can place a sample order through their website, www.topknobsusa.com, and in a couple of days, you’ll be able to try out new cabinet hardware right at home.

L i f e and H o m e s

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Central New York

“While it used to be that rubbed bronze was used in rustic, cabin-like settings, it’s now being used in a wider variety of kitchen styles,” says David Tyler of Top Knobs. “When it’s styled in a contemporary way, it completely changes the effect and it can be used in kitchens that range from transitional to modern.”

If your cabinets have started to feel dated, it might be time for a complete change. Sleek, modern cabinets with subtle details are growing in popularity, but many homeowners are choosing to combine elements of traditional style with newer developments for a look that is both clean and comfortable.

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 .

Cabinet colors are proliferating, giving you more choices. Today, if you want cherry cabinets, you can choose from an array of warm, rich tones instead of only having one option. For those looking for a fresh, light feeling in the kitchen, white cabinets are still the go-to solution.

It’s OK to get a bit more creative with the color of your walls, letting them say something about you.

When making paint choices, look to color forecasts.

This year, it’s all about tones found in nature, from the bold (coral, turquoise, bright yellow and red) to the soft (blush pink, muted greens and soft browns).

Again, it’s important to see how things will look in your house, so use cabinet and paint samples offered by many retailers. The light in your home could cause the color that won your heart in the store to look totally different.

Perhaps the quickest fix of all, and one that you can make today, is to clear clutter. When too many gadgets crowd your countertops or papers collect on the fridge, the space can feel chaotic. If you need to rearrange the contents of your cabinets to find storage space, make a weekend project out of it.

While you’re doing the re-arranging, look for items that you can do without and set them aside for a yard sale or donation to a charity. The ultimate luxury of having more storage space will mean more than having a gadget you use once a year. When things are all in their right places, you can tackle the next step in reviving the look of your kitchen. (ARA)

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MUSIC Alicia Keys Billy Joel Fleetwood Mac James Taylor The Beatles Mariah Carey Amy Grant Bon Jovi Aerosmith Carie Underwood and more of your favorites

& TALK Spotlight on a Safer Home

Mon thur Friday 3:00 EST with Talk Host Rob Thrasher Most of us have heard about the necessity to soften the water, sometimes pour chemicals into the water and other things, but did you know that there are other tests you should perform on your well water every year? According to the NY State Department of Health, you should test for Coliform every year during the wet seasons. How many of you were not aware of that?

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

New Hartford $1,600,000

New Hartford $529,000

New Hartford $439,000

New Hartford $379,000

Clinton

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

Sophisticated 5 bedroom, 3.5 bath home with distinctive architectural elements, open floor plan, and home theater.

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

Fabulous home with 3,750 sq ft of living space. Open entry, two fireplaces, custom kitchen with granite, 3 car garage.

Restored village home. Historic character with modern conveniences.

Beautiful master bedroom suite and deluxe kitchen.

Deerfield

Rome

Sauquoit

New Hartford $187,000

New Hartford $168,500

Well maintained 3 bedroom 2.5 bath home. Oversized living room and master suite. Finished walk-out basement.

Spacious ranch with 4 bedrooms and 2 full baths. Oversized family room with fireplace and beautiful screened porch.

$279,900

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

$259,900

Meticulous home with soaring ceilings, hardwood floors, fireplace, beautiful landscaping. Adjacent to the Rome Country Club.

$239,900

Updated farmhouse with new kitchen. Detached garage, barn and guesthouse on 7 beautifully landscaped acres with view.

$324,000

Marcy

$279,900

Fabulous 4 bedroom transitional with 2-story entry, hardwood floors, cherry kitchen with granite, master bedroom suite.

Utica

$99,900

Conveniently located 3 bedroom ranch with gorgeous yard and oversized deck. Completely updated interior.

July ■

www.Life and Homes .com

7

L i f e and H o m e s

#1 Coldwell Banker in New York State

Deerfield

$369,900

Stunning 4 bedroom 2.5 bath home located on 10 acres of prime real estate.

Tour this home at: www.5770WalkerRoad. com. Call me today.

Gloria Rocci Ext. 217

Clinton

$288,500

Tucked away on this beautifully landscaped large lot & priced to sell! 4 BR, 2.5 baths, visit www.43HomesteadRoad.com for more details.

Jan Cidzik Ext. 209

Central New York

Clinton

$259,900

Magnificent view and privacy. 3 BRs, 2.5 baths, gorgeous kitchen with all appl. double garage and more on 2.25 acres. Only 10 years young.

Kathy White Ext. 215

Sauquoit

Marcy

$279,900

Buckland Estates - 3 BR/2BA ranch at $279,900 and 4 BR/2.5 bath bedrooms, 2.5 baths priced at $269,900, call for floorplans and location.

Laura Minard Ext. 205

New Hartford

$237,750

Ready for you. New kitchen, Fam. Rm. W/ fireplace, 4 lge bedrooms, 2.5 baths and more. Visit www.1434graffenburgroad. com for more exciting details. Call today.

Kathy White Ext. 215

Home Highlight

■

L i f e and H o m e s

$329,900

4 bedroom updated farmhouse with retail possibilities! 78 acres, incredible hillside views, riding trails, outbuildings, 3 barns & storefront!

Richard Parent Ext. 203

Oneida

Rome

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 .

$259,900

This spacious home boasts soaring ceilings, large windows, hardwood floors and fireplace. Beautifully landscaped, bordering country club.

Gaetano Belmonte Ext. 202

Clinton

$209,000

Reduced. This is a beauty with a magnificent view and private. 3 BRs/2 full BAs, all new hardwood floors & windows. Lots of updates.

Website: www.128fountainview.com Kathy White Ext. 215

Ilion

$290,000

Graceful arches adorn the façade of this distinctive 4BR executive home.

Sunken family Rm w/20ft ceilings, wall of windows and 3 full baths.

Lisa Filletti Ext. 206

Frankfort

$259,900

Meticulous inside and out, enclosed breezeway. Woodmode kitchen cabinets, bedroom on 1st flr., masonry stone fireplace, awesome landscaping.

Gloria Rocci Ext. 217

Colonial Square

$199,900

Dreaming of owning a new home? That dream can come true. Affordable quality homes available. 2BR 2BA w/radiant floor heat. 3BR/2BA @ $219,900.

Laura Minard

Ext. 205

Mohawk

$289,900

Located on 10.7 private acres. Pole Barn with electric, gas & water. Updated interior with custom window treatments. Call for more details.

Debbie Roberts Ext. 239

Cleveland

$259,000

Reduced. 5 BR, 2.5 bath contemporary log home on 25.8 acres, 3 car detached garage & 3,543 SF of living space.

Ryan Kirch

Clinton

Ext. 222

$199,900

WOW. 2,756 square feet. 5 BR/2 BA cherry kitchen with granite counters, all new replacement windows, two story barn and so much more. Website: www.3338stateroute12b.com Kathy White Ext. 217

Holland Patent $299,900 8815 Thompson Road This 6 year young ranch sits on 10.4 acres! Dramatic LR w/fireplace; kitchen has corian counters and fully equipped, master suite w/private bath, 2 additional bedrooms, and office. Incredible views from the front porch. Call today.

Jodie DeCosty Ext. 201

8

$310,000

This 4 bedroom 2.5 bath home sits on almost 7 acres. Cherry woodmode kit., lge GR, private library & outdoor veranda.

Call me for your private showing.

Jan Cidzik Ext. 209

4957 Commercial Drive Yorkville NY

Call 768.1680

New Hartford

$187,000

Meticulous 2-story center hall home on very desirable street. Featuring 3 bedrooms, 2.5 baths, oversized livingroom.

Gaetano Belmonte

West Winfield

Ext. 202

$149,900

Enjoy morning tea in exquisite 4 season sunroom, Bruner Mansion antique wainscoting, private bedroom balconies & Woodmode kitchen. A quality home.

Richard Parent Ext. 203

East Utica

$89,900

Strong curb appeal in this large E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, each unit offers 3 Br’s. Call for more details.

Richard Parent Ext. 203

New Hartford

$179,900

Updated spacious Colonial w/large rooms and almost a 1/2 acre of property.

New stucco exterior, roof, patio, porch, & insulated windows. Call for more details.

Scott Kelley Ext. 242

New Hartford

$119,900

Cute as a button! Updated througout; eat-in kitchen opens to LR. Features 3 BRs, vaulted ceilings, & hardwoods plus much more. Call for details.

Jodie DeCosty Ext. 201

Deerfield

$219,900

New Hartford

$168,500

Spacious ranch boasting oversized family room with fireplace, 4 bedrooms, 2 full baths and hardwood floors.

Gaetano Belmonte

Holland Patent

Ext. 202

$117,500

Amazing village home with updates galore! Formal LR & DR, updated country kitchen, 1.5 newer baths, office, 1st floor laundry, 3 bedrooms.

Jodie DeCosty Ext. 201

Deerfield

$249,500

Extremely well maintained 3 bedroom 2.5 bath home. A must see!

3 BR/2.5 bath contemporary home. Vaulted ceilings, eat-in kitchen, formal dining, 1st flr Mstr. & laundry area. Whitesboro Schools.

Laura Minard

Diana Raymond

Ext. 205

Ext. 207

New Hartford

$156,900

Delightful Colonial in meticulous shape.

Classic design with numerous updates; gleaming hardwoods, working fireplace, updated kitchen with its own Formal DR. Scott Kelley Ext. 242

Clinton

$114,900

Move right in to this Clinton charmer! Character throughout, LR, DR, country kitchen, 1st fl laundry, newer bathroom, 3 bdr, sun & side porch. Call for updates.

Jodie DeCosty

Ext. 201

Holland Patent

$69,500

Charming 2 story with 1.8 acres. Updated kitchen, bath & laundry rooms. 2 roomy bedrooms, 1 bath, and attached 2 stall garage. Betty hurry!

Jodie DeCosty Ext. 201

Camden

$155,000

1700 SF contemporary offering 3BR, 2.5 baths, and an attached 2 car garage. Large finished walkout bsmt. w/workshop.

“Prime location”.

Ryan Kirch Ext. 222

Utica

$99,900

Updated 3 bedroom ranch with open floor plan. Convenient location. Gorgeous yard with oversized deck.

Gaetano Belmonte

Clinton

Ext. 202

$69,900

Brand new doublewide in Applewood Community/Clinton School District. Bring your things & move right in! Offering 3 bedrooms, 2 full baths.

Jodie DeCosty Ext. 201

July ■

www.ColdwellBankerPrime.com

www.Life and Homes .com

9

L i f e and H o m e s

The Area’s Premiere Real Estate Search Engine!

#1 Selling Coldwell Banker in the Mohawk Valley 2306 Genesee Street, Utica, New York

FAITH PROPERTIES

735-2222

http://lori.centralnewyork.com

Thinking of Buying or Selling?

Contact Me Today For a Full Time Professional Advice & Service

Lori D’Onofrio Hamlin Associate Broker LoriHamlin@roadrunner.com Cell: 315-790-0990 Office: 315-735-2222 x41 Fax: 315-735-1727

New Hartford

$298,900

What a home. Large kit w/ bfast bar, eat-in w/ skylight, spacious fr w/ wet bar, master bedroom w/ attached sun room w/ cathedral ceilings w/ skylights w/ another sliding door leading to wooded deck, newer roof, furnace.

Central New York ■

L i f e and H o m e s

Whitesboro

$124,000

Your quintessential cape cod in a wonderful neighborhood, 3 bedrooms, 1.5 Baths, hardwood floors, covened patio, beautiful back yard. Vinyl siding.

MLS# 1000418 15 White Birch, E. Utica

$29,900

MLS# 1001882 Mohawk St, New Hartford $49,900

$104,900

Spacious rooms, . Formal LR, DR, 2 full baths, hot tub, hard wood floors, 4 bedrooms, 2 stair cases, 1st floor laundry, walk-up attic & much more to see.

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 .

$179,900

Move-in condition, sprawling ranch on approx 6.75 Acres, lg eat-in kit w/ new counters, sink, floor, microwave, dishwasher & stove.

Lots for Sale

Whitesboro

10

Holland Patent

Utica

$54,900

Adorable, meticulously maintained 3 BR bungalow.

Bright eat-in kit, formal LR & DR. New windows, 1 yr old furnace, hardwood floors, large front porch.

MLS# 912483 Thompson Rd,HollandPatent $19,900 MLS# 912598 Bell Hill Rd, Deerfield

$19,900

Your All Inclusive Home Directory Agusta

LifeandHomes.com Clayville

$240,000

$399,900

2063 Route 26

266 Rider Road

7 Bedrooms / 5.0 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41516

For more details visit www.LifeandHomes.com Type in Quick Search #41624

New Nest Realty

Prudential J.R. Carucci Real Estate

Amy La Clair • 315-790-4153

Christine Ossont • 315-733-0463

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

Realtor • cossont@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Ava

Licensed Mortgage Banker NYS Banking Dept

Clinton

$5,000

9551 Mullen Hill Road

$475,000 6/8 Taylor Ave / 41.5 Utica Street

215 Acres, $5,000-$25,000 per acre

Development Opportunity

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

For more details visit www.LifeandHomes.com Type in Quick Search #41608

Oneida County - FSBO

Clinton Real Estate

Phyllis Goworek • 315-335-2745

Barbara Frank • 315-853-4400

FSBO

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

Ava

$174,900 6945 Stokes Westernville Road

Clinton

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41611

SBG Realty

Clinton Real Estate

Joel Siegfried • 315-793-7580

Barbara Frank • 315-853-4400

Broker/Owner • info@sbg-realty.com

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Barneveld

$219,900

69 Stebbins Drive

Licensed Mortgage Banker NYS Banking Dept

Clinton

$229,000

$249,000

8365 Sand Road

124 Utica Street

5 Bedrooms / 2.5 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41627

For more details visit www.LifeandHomes.com Type in Quick Search #41033

Prudential J.R. Carucci Real Estate

Clinton Real Estate

Len Pugh • 315-736-4443

Barbara Frank • 315-853-4400

• lpugh@prudentialcarucci.com

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

Catskill

$350,000 Greene County Gentlemans Farm

Clinton

4 Bedrooms / 2.0 Baths

6 Bedrooms / 3.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #33931

Posson Realty LLC

Clinton Real Estate

David Posson • 607-316-3758

Barbara Owens • 315-853-4400

Broker/Owner • possonrealty@frontiernet.net

Associate Broker • info@barbaraowens.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

1

#

Customer Service

315.335.8073

A Tradition of Customer Service that lives on in our Prudential Team! www.prudentialcarucci.com

(315) 733-0463

www.Life and Homes .com

11

L i f e and H o m e s

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

■

7710 McKern Rd Rome, NY

Joseph R. Carucci Real Estate 600 French Rd., New Hartford

July

MidState Contracting Barry Kotary

$269,900

3667 Harding Road

LifeandHomes.com Clinton

Your All Inclusive Home Directory Deerfield

$92,500

10442 Doyle Road

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.5 Baths

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

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

Clinton Real Estate

Coldwell Banker Prime Properties

Barbara Owens • 315-853-4400

Gaetano Belmonte • 315-768-1680

Associate Broker • info@barbaraowens.com

Realtor • Homes@GaetanoBelmonte.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

Deerfield

$114,900

302 Tumbleweed

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41538

For more details visit www.LifeandHomes.com Type in Quick Search #41355

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

Clinton

Licensed Mortgage Banker NYS Banking Dept

Durhamville

$229,900

5293 Charles St.

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41371

For more details visit www.LifeandHomes.com Type in Quick Search #41476

Dick Stanton Real Estate

Amy Abdoo • 315-794-2653

Mike McNaughton • 315-264-3081

Broker/Owner • blon316@aol.com

Assoc. Broker • mike@mcnaughtonhouse.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

Constableville

$127,000 3706 Sweeney Road / 15 Acres

Durhamville/

3 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41486

Barbara Dunn • 315-337-1677

Thelma Chase • 315-363-5464

Don Kingsley Real Estate

Broker/Owner • dunrealt@aol.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

Constableville

Licensed Mortgage Banker NYS Banking Dept

Durhamville/

$99,900

$154,900

3708 Sweeney Road

6651 Higginsville Rd.

2 Bedrooms / 1.0 Baths

3 Bedrooms / 3.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41484

Barbara Dunn • 315-337-1677

Thelma Chase • 315-363-5464

Barbara Dunn Realty

Don Kingsley Real Estate

Broker/Owner • dunrealt@aol.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

Central New York

$99,900

6659 Higginsville Rd.

Barbara Dunn Realty

Laura Minard Coldwell Banker Prime Properties

You don’t need to be an expert to buy or sell real-estate! You need an expert working for you. I supply you with the information you need to make informed choices. We can work together to get you and your family what you need in the time you need it. Pick up the phone and interview me for the job of being your Agent!

315-525-1974 Cell Phone Anytime • lauraminard@cbpp.com

■

$44,000

7349 Pryor Rd

Dominion Homes

L i f e and H o m e s

$219,900

7841 Kellogg

Coldwell Banker Prime Properties

Phone: 315-768-1680 x 205 Web: lauraminard.com

12

$279,000

3161 Route 12B

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

www.sBG-realty.com Top 10 things to do whether you are buying or selling: 1. Call Joel Siegfried

KD Homes

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!

(He will handle the rest.)

KD Homes Rt 12 Waterville, NY 13480

841-8700

286 Genesee St Suite 1 Utica, NY 13502

315-796-2258

email kdhomes@frontiernet.net web kdhomesny.com

Your All Inclusive Home Directory Hamilton

LifeandHomes.com

$160,000

Lakeport

7683 McCormick Rd.

100 Harbor Shore Drive

5 Bedrooms / 2.0 Baths

6,000 Sq Ft Townhouse

For more details visit www.LifeandHomes.com Type in Quick Search #33709

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

Dominion Homes

Amy Abdoo • 315-794-2653

Maria E. Dailey • 315-336-0433

Broker/Owner • blon316@aol.com

Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

National M&D Dailey Realty

$54,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Marcy

$299,900

333 Eureka

Buckland Estates

3 Bedrooms / 1.0 Baths

New Construction

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

For more details visit www.LifeandHomes.com Type in Quick Search #41653

A.Fumarola /Joyce Realty

Anthony Fumarola • 315-732-3456 Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Holland Patent

Buck Construction

Buck Contruction • 315-736-0865 Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$29,900 8651 Edwards Rd - Land for Sale

Marcy

8 Acres

3 Bedrooms / 2.0 Baths

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

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

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

$69,900

$151,900

6386 Glass Factory Rd

Prudential J.R. Carucci Real Estate Stephen Dellerba • 315-725-9152 Lic. R. E. Agent • sdellerba@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$94,500

8801 Thompson

38 Church Street

2 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41598

For more details visit www.LifeandHomes.com Type in Quick Search #41324

Jodie DeCosty • 315-723-8554

Leslie Nicolette • 315-985-0212

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

Kirkland

$59,900

Bruce Ward & Company Lic. R.E Salesperson • dnicolette@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$79,000

4216 Bristol Rd.

14 Dixon Road

3 Bedrooms / 1.0 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33832

For more details visit www.LifeandHomes.com Type in Quick Search #41648

Amy Abdoo • 315-794-2653

Anthony Fumarola • 315-732-3456

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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

Kay Real Estate Kay Real Estate, established in 1983, has been serving Oneida and surrounding areas for 25 years. Their success can be partly attributed to the community itself by being centrally located between 2 major cities helping to make Oneida an excellent place to reside. Please feel free to contact us to discuss how we can assist you with your real estate needs.

126 Main St., Oneida, NY • 315.363.9191 • www.kaysteam.com www.Life and Homes .com

13

L i f e and H o m e s

No Job Too Small!

Licensed Mortgage Banker NYS Banking Dept

■

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

Broker/Owner • anthony.fumarola@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

July

315-732-9577

A.Fumarola /Joyce Realty

LifeandHomes.com New Hartford

Your All Inclusive Home Directory New Hartford

$349,900

10132 Mallory Rd.

10 Woodlawn Village

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41626

Buck Construction

Prudential J.R. Carucci Real Estate

Buck Contruction • 315-736-0865

Willinette Cohen • 315-733-0463

Contractor/Developer • alyssabuck@buckconstruction.net

• info@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$255,000

14 Colonial Drive

4 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41599

For more details visit www.LifeandHomes.com Type in Quick Search #33822

RE/Max All Pro

Jodie DeCosty • 315-723-8554

Tony Abone • 315-339-2222

Lic RE Associate Broker • jodiedecosty@cbpp.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

New Hartford

Licensed Mortgage Banker NYS Banking Dept

Norwich

24 Deerpath Drive

$249,900

$350,000 Chenango County Dairy Farm

5 Bedrooms / 3.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41634

For more details visit www.LifeandHomes.com Type in Quick Search #41529

Kay Real Estate

Posson Realty LLC

Jayne Wentworth • 315-363-9191

David Posson • 607-316-3758

Assoc. Broker • kayhomes@dreamscape.com

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Licensed Mortgage Banker NYS Banking Dept

Norwich

3 Slaytonbush Lane

$295,900

$450,000 Chenango Cty Equine Facility

3 Bedrooms / 3.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41625

For more details visit www.LifeandHomes.com Type in Quick Search #41528

Prudential J.R. Carucci Real Estate

Posson Realty LLC

Edward Jeckel • 315-733-0463

David Posson • 607-316-3758

Lic R.E Associate Broker • ejekel@prudentialcarucci.com

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

Licensed Mortgage Banker NYS Banking Dept

Oneida

$179,500

217 Sands Street

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41361

For more details visit www.LifeandHomes.com Type in Quick Search #41638

Kay Real Estate

Stephen Dellerba • 315-725-9152

Chris Rosbrook • 315-363-9191

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

Lic. R.E Salesperson • kayhomes@dreamscape.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

$154,900

26 Rockport Road

Prudential J.R. Carucci Real Estate

Licensed Mortgage Banker NYS Banking Dept

Barbara Dunn Realty NYS License#: 16000019454

Brian Dornburgh 315-865-6793 814-512-2275

bdornburgh@twcny.rr.com

Professional Affordable

■

L i f e and H o m e s

$133,000

26 South Hills Drive

Coldwell Banker Prime Properties

&

Done on Time.

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com 14

$259,900

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 .

We don’t only inspect, we educate you about your new home and give you

Peace of Mind.

Dorothy Neumann NeuDot Realty

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.

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

Kathy White Lic. Assoc. R.E. Broker

4957 Commercial Dr Yorkville, NY 13495

315-768-1680

We Never Stop Moving Relocating Families for over 23 years!

Clinton

New Hartford

$699,900

$237,750

4074 Cleary Road

1434 Graffenburg Road

A Clinton Masterpiece Enjoy the experience & beauty of total privacy on almost 14 acres. This truly unique custom built home has it all. Brazilian hardwoods, vaulted ceilings, mostly granite counter tops, butlers pantry & wine center.

2nd flr. loft overlooking the gracious fireplace Living Rm 3.5 baths & more in over 4,000 square feet of living space.

For complete information, visit www.4074clearyroad.com

Absolutely a beautiful ready to move in Colonial. All new kitchen and appliances. Warm and inviting family room with wood burning fireplace, Formal dining room, huge living room, some replacement windows, new french door to a private 61’ deck which houses a out side wood stove for cozy nights under the stars. Check out the web site at www.1434graffenburgroad.com

Clinton

Clinton

$199,000

$259,000

3338 State Route 12B

3871 Skyline Drive

Beautifully remolded Victorian home with tons of updates offering 2,752 Square feet of living space. 4 or 5 Bedrooms, 2 full baths, Library, Fireplace, gorgeous hardwood floors, Beautiful formal living room Formal D/R, a gorgeous cherry kitchen with granite counters and all new appliances, main floor laundry.

Check out the web site www.3338stateroute12b.com

This home is only 10 years young and offers space, light and a magnificent view on 2.25 acres. Located near Hamilton College this home features include 2.5 baths, 3 spacious bedrooms,a gorgeous kitchen with a center island, solid surface counter tops and all appliances.

Plenty of storage and pantry space in the hall. Check out the web site at www.3871skylinedrive.com

Clinton

$209,000

128 Fountain View This beautifully maintained home is ready for immediate occupancy and offers 3 bedrooms and 2 baths, Open living room with a red brick fireplace and a beautiful view, formal dining room. All appliances are included plus a walk out basemement. Hardwood floors in all the bedrooms. Tiled floors in baths, entrance and kitchen. Check out the web site at www.128fountainview.com

ot tL N cA VA

$18,000 Ridgecrest Rd Lot size 140’ X 240’ Perfect location and setting for a A-Frame , Raised Ranch or Split Level. Wooded and sloaping wtih an Adirondack feel. Water, Sewer and Electric available at the Road.

Whitesboro School System. Just minutes form North Utica and Route 49.

Featured Home

Holland Patent 8815 Thompson Road

Marcy

$299,900

Why build when you can own this 6 year young ranch set on 10.4 Acres! Dramatic living room with fireplace, kitchen has corian counters and fully equipped, master suite with private bath, 2 additional bedrooms & full bath, office, 1st fl laundry. Front porch for your enjoyment of the incredible view!

July

Jodie DeCosty

■

Lic. Assoc. R.E. Broker

315-768-1680

PRIME PROPERTIES

For more information go to www.coldwellbankerprime.com and type in MLS # 1001843

www.Life and Homes .com

15

L i f e and H o m e s

4957 Commercial Dr Yorkville, NY 13495

Average Home

Days On Market: N.Utica $154,900

94

Floyd $139,900

Our DOM :

3 0 Days

www.GetP ackingCN 812 Herkimer Road, on a beautiful Historic Three-Family d.

1.8 acre park-like yar

Rome $79,900

703 Lee Street ranch! Gorgeous Beautiful remodeled h. st-See. new kitchen and bat Mu

Y.com

8140 Glenwood Dr Fantastic neighborhood ranch. Central air, an for this raised acre lot.

Kirkl and $229,9 00

999 WhatFountain St new coa value! 18r0eet, Kirkland nstruc tion ra0 s.f. 3 bed 2 nch in C b linton!a

Marcy $119,900

5502 Maynard Par Beautifully Renova k, 2.5 bath home! ted 2,000 s.f. 4 bed

S. Utica $109,900

0 Barneveld $229,90

Sauquoit $99,900

Central New York

12 Gridley Blvd tom! Great ranch with New from top to Bot beautiful corner lot. huge 2 stall garage and

Road 8824 Parker Hollowold Greek Revival Incredible 200-year es. acr 5 on e hom

Jorda n Guy Operations

Faith Properties The Jay Groah Team

â–

L i f e and H o m e s

2812 Milton Pl, Lovely Remodeled S.U Superb Neighborhood!tica Bungalow.

Licensed Real Estate Sales Agents

315.735.2222 (office) 315.272.3975 (jay) 315.725.1608 (brandon)

Jay

Listing Co ordinator

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 .

Bra ndon ialist Bu yer Spec

#1 Selling Coldwell Banker in the Mohawk Valley FAITH PROPERTIES

2306 Genesee Street, Utica, New York

735-2222

Visit www.CentralNewYork.com for the best local searches!

May Stars July â–

Jay Groah

Kelli Inserra

www.Life and Homes .com

17

L i f e and H o m e s

Congratulations to these Two Top Selling Agents!

SCAMPONE REAL ESTATE 797-7100

EW

N

G TIN

LIS

$349,000

MLS #1001710

G TIN

Verona Beach Premium 100’ waterfront lot on South Shore w/ spectacular sunset views! Build your dream summer retreat or your year round lakefront condo or home. Perfectly located; 1.5 miles to the hustle of Sylvan Beach and 10 miles to the Turningstone Resort Casino. Here you can have it all!

LIS W

NE

$109,900

New Hartford

$299,000

MLS #1000669

$205,000

MLS #912805

$159,000

Central New York

MLS #1001409

$134,900

N

ICE

PR

Totally renovated townhouse in rolling hills. Newer roof, new kitchen, flooring, appliances, windows, insulation, heating & air conditioning. Better than new.

Nicely Done.

G TIN

LIS W

NE

$109,900

New Hartford Newly constructed 3 bdrm, 2 bath ranch

EW

N

ICE

PR

in the whitetail meadows development.

$249,900

MLS #1000465

Gorgeous brick oven kitchen w/maple cabinets, lr, dr, breezeway. Completed w/lawn, driveway, walkway. Turn key!

$224,000

MLS #1001373

Frankfort Much sought after one level unit in rolling hills. Totally renovated, new kitchen flooring, appliances, windows, roof, insulation, heating & air conditioning. Better than new! Nicely done.

South East Utica Popular SE Utica location offers this 4 bdrm colonial in mint condition. Situated on over 1 acre w/private rear yard.

Gorgeous updated kit, fr w/full wall of brick fireplace & hdwds. Generous sized bedrooms. If you are quality conscious, this is the home for you!

New Hartford

Frankfort

New Hartford

Traditional architecture embraces modern day living in this 4 bdrm, 1 ½ bath brick colonial.

Center hall foyer lends way to large principal rms, formal dining, fp in fr. Hrdwd flring & crisp, clean lines carry throughout. Classic built ins in almost every room boasts character & a rich interior distinguishes a 1st flr study/den. Sunporch embraces comfort & relaxation. 2 Stl grg. W/loft. A must see!

Contemporary styled home located on cul-de-sac in rolling hills, features 3 br, 2 1/2 bths. Master suite on 1st flr. Balcony overlooking fr & dr. Front end eat in kit.

Oversized 2 stall garage. Great covered porch in rear. Good value, great location.

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.

$184,500

MLS #1001414

$164,900

MLS # 1000641

South East Utica

Sylvan Beach

East Utica

Pride of ownership shows thru on this wonderful 4/5 br cape. Meticulously maintained w/beautiful gardens w/in the fenced yard.

Great fam rm w/pellet stove, lr, dr & 1 1/2 bths. Hdwds under 1st flr carpet. Radiant heat on 1st flr. A home you’ll be proud to call your own in this sought after location.

Immaculate updated, 3 bdrm, 1 bth, year round home. Situated on a double lot with a covered pavilion. Completely renovated in 1995 w/open concept of living room & kitchen. Let your summer fun start here or enjoy all year round.

Updated 3 bedroom, 1 bath ranch in a very desirable East Utica location. All new vinyl windows, drive, interior & exterior doors. New bath, freshly painted interior, hardwoods throughout. Updated furnace & electrical. Steel beam construction.

$154,900

MLS #1001534

$139,900

MLS # 1001081

New Hartford

Utica

South Utica

All new interior from floors & walls to ceiling, windows, furnace, kitchen & baths. 3 bdrm, 2.5 bath, w/ 1st floor master, master bath, 1st fl laundry, formal dining overlooks sunken family room, tiled foyer & kitchen, 2 bdrms & playrm/computer rm on 2nd floor. New York Mills schools. Situated on a double lot w/ screened sun porch. All new & incredible buy!

Well maintained historical building situated close to state office building, Oneida County court house and retail businesses. Property has 2 separate deeds, one designated for office building, one for parking lot included in sale.

See broker for additional information.

Affordable South Utica colonial with newer roof, recently painted stucco exterior. Large walk-in closet for 2nd floor bedroom. Spacious LR&DR, Hardwoods under carpet. 1st floor laundry & 1/2 bath. Large entry w/ closet. Convenient location.

$94,500

MLS #1000833

$59,900

MLS #1001626

L i f e and H o m e s

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MLS #1000989

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 bedrooms, 2.5 baths. An exquisite sunroom leads you to a park like yard with gorgeous gardens and an ivy covered rock wall.

EW

Frankfort

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

scamponerealestate.com

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 Oneida - Outside

LifeandHomes.com Rome

$116,900

$175,000

1064 Palmer Drive

6199 Lorena Road

2 Bedrooms / 1.0 Baths

Owner will sell seperately. Call agent for details.

For more details visit www.LifeandHomes.com Type in Quick Search #41636

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

Kay Real Estate

1St. Rome Realty

Janet Mautner • 315-363-9191

Tracy Winterton • 315-335-3843

Assoc. Broker • kayhomes@dreamscape.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

Oneida - Inside

Licensed Mortgage Banker NYS Banking Dept

Rome

$112,500

$259,900

362 Cleveland Ave

8103 Pinebrook Lane

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41637

For more details visit www.LifeandHomes.com Type in Quick Search #41370

Kay Real Estate

Coldwell Banker Prime Properties

Janet Mautner • 315-363-9191

Gaetano Belmonte • 315-768-1680

Assoc. Broker • kayhomes@dreamscape.com

Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Watertown

Licensed Mortgage Banker NYS Banking Dept

Rome

$279,000

$29,900

25030 Co. Rte. 53

507 E. Bloomfield St.

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41539

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

Lake Ontario Rlty

Dominion Homes

April Marvin • 315-778-8042

Amy Abdoo • 315-794-2653

Lic. R. E. Salesperson • lakeontariorealty@yahoo.com

Broker/Owner • blon316@aol.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

$135,000

$387,000

401 W Dominick Street

406 W. Oak Street

0 Bedrooms / 0.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41623

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

National M&D Dailey Realty

National M&D Dailey Realty

Maria E. Dailey • 315-336-0433

Maria E. Dailey • 315-336-0433

Broker/Owner • dailey.realty@gmail.com

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

Rome

Licensed Mortgage Banker NYS Banking Dept

Rome

$275,000

$59,900

220 Ridge Street

534 Mill Brook Road

Commercial

3 Bedrooms / 1.5 Baths

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

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

RE/Max All Pro

Oneida County Real Estate Investors

Tony Abone • 315-339-2222

We Buy/Sell Houses • 315-264-9235

Broker/Owner • proabone@cnymail.com

Investor • phpenterprises@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

Smith Inspection Services, llc

PO Box 126, Sherrill, NY 13461

Call 315-363-8074

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

Area’s Commercial Leader

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.

www.prudentialcarucci.com

(315) 733-0463

www.Life and Homes .com

19

L i f e and H o m e s

35 Years Commercial Construction Experience 5 Years Home Inspection Experience

"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

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Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests

Joseph R. Carucci Real Estate 600 French Rd., New Hartford

July

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...

Serving Central NY and the Mohawk Valley

LifeandHomes.com Rome

Your All Inclusive Home Directory Salisbury

$79,900

1009 Seneca Street

661 Military Road

3 Bedrooms / 1.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41629

For more details visit www.LifeandHomes.com Type in Quick Search #41631

Debbie Santa Croce • 315-797-1724

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754

Prudential J.R. Carucci Real Estate • dsanta1227@hotmail.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

Sylvan Beach

$83,000

1314 Vienna Rd

5 Bedrooms / 2.0 Baths

Financing Available

For more details visit www.LifeandHomes.com Type in Quick Search #41628

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

Joan Abend • 315-733-0463

Steve Ruscitto • 315-762-4488

Oneida County Real Estate Investors

Lic R.E Associate Broker • JABEND@PRUDENTIALCARUCCI.COM

Investor • steve@cnyres-q.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

Sylvan Beach

$104,500

503 16th Ave

3 Bedrooms / 1.0 Baths

Financing Available

For more details visit www.LifeandHomes.com Type in Quick Search #41622

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

Tony Abone • 315-339-2222

Steve Ruscitto • 315-762-4488

Oneida County Real Estate Investors

Broker/Owner • proabone@cnymail.com

Investor • steve@cnyres-q.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

Utica

$106,900

$74,900

111 E Sycamore Street

29-31 Leslie - 2 Unit

4 Bedrooms / 2.0 Baths

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41550

For more details visit www.LifeandHomes.com Type in Quick Search #41573

Tony Abone • 315-339-2222

Dorothy Neumann • 315-527-3542

RE/Max All Pro

NeuDot Realty

Broker/Owner • proabone@cnymail.com

Broker/Owner • neu.dot@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Salisbury

Licensed Mortgage Banker NYS Banking Dept

Utica

$169,900

$24,900

554 Irondale Road

1120 Schuyler

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41632

For more details visit www.LifeandHomes.com Type in Quick Search #41646

NeuDot Realty

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754

Dorothy Neumann • 315-527-3542

Lic. R.E. Broker • hbegroup@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

Licensed Mortgage Banker NYS Banking Dept

Central New York

$69,000

1009 Sherman Avenue

RE/Max All Pro

Carrie Podagrosi A. Fumarola Realty Inc.

Joyce Realty

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L i f e and H o m e s

$67,000

509 North Madison

Prudential J.R. Carucci Real Estate

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

20

$59,500

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

Advanced Home Inspection Service LLC 15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester Well flow/Septic Dye/Water Purity Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects

NAHI

Don Archer

NRPP

Call 315-792-9029

http://www.advancedhomeis.com

800-432-8669 www.SuperiorPlusEnergy.com

NEW HOMES MODULAR “IT’S SIMPLE”

LAND STEAL 50% OFF

All Remaining Lots To Be Sold At 1/2 Price Beautiful & Affordable Home Sites FROM 5 ACRES TO 40 ACRES • PRICES FROM $14,900

We can give you better specifications, more upgraded features, and a higher quality home

Special Onsite Financing Available “Buy Now - Build Later” THIS IS THE BEST DEAL AROUND

And we can do all this for less money.

POND VIEW

BRING US YOUR BEST DEAL

Private family community for fun & investment 35 Exceptional homesites set on 235 acres Riding trails, stocked fish ponds, sunset views

- WE WILL BEAT IT! Stick Built Quality Modular Homes

Direct Snowmobile & ATV Trails Out Your Door To The Ridge Runners Clubhouse

Middleville, Herkimer County, NY Ph. (315) 891-3254

Ph: 315-891-3254

QSN#41520 QSN#41521

Wampsville

$199,900

A beautiful mix of old world charm and modern conveniences. Home completely renovated.

Quality craftmanship abounds. Ceramic tiles, floors, kitchen island, cabinets, windows, carpets, baths, garages, septic, water heater and I’m sure I missed a few - all new! Lovely yard. Plenty of space for play and entertaining inside and out.

QSN#41379

“The Key to your front door”

Rome

$59,900

3 bed ranch - could be 4. Has main floor laundry. Nice layout. Convenient location.

Good sized back yard.

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

QSN#41157

QSN#41380

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

$87,900

4 bed 2 full bath home with tons of space. Good sized rooms. Sliding doors from both the formal dining room and family room downstairs lead to deck and above ground pool. Large back yard.

Convenient location!

Rome

$65,900

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

$149,900

Rome

$174,900

Farm/Land Commercial

Rome (Sale Pending) 2 Family

QSN #33888

QSN #33926

$29,900

QSN #33755

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

www.Life and Homes .com

21

L i f e and H o m e s

3 bed 2 full bath mobile home.Open floor plan.

Nice and bright. Fireplace in living room; double closets in master suite; ramp; super back deck, central air and private back yard.

Rome

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$57,000

July

Rome

LifeandHomes.com Utica

Your All Inclusive Home Directory Utica

$52,000

1602 Sherman Drive

6 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41442

Joel Siegfried • 315-793-7580

Joseph Colacicco • 315-733-0463

SBG Realty

Prudential J.R. Carucci Real Estate

Broker/Owner • info@sbg-realty.com

Lic. R. E. Salesperson • jcolaciccio@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Utica

3 Sherman Place

$59,900

$115,000 10 Foery Drive Unit #309

4 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41441

Tony Myers • 315-525-6291

Joseph Colacicco • 315-733-0463

The Nehemiah Fund

Prudential J.R. Carucci Real Estate

Investor • tonymyers@verizon.net

Lic. R. E. Salesperson • jcolaciccio@prudentialcarucci.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

Utica

$74,900 15 Hampden Place - 2 family

Utica

6 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41633

Tony Myers • 315-525-6291

Mark Enjem • 315-292-3200

Senshine Real Estate

Investor • tonymyers@verizon.net

Lic. R.E Salesperson • wirelessone26@yahoo.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Utica

$145,000

429 Larchmont Ave

$62,900 905 Springate Street - 2 units

4 Bedrooms / 1.5 Baths

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41365

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

Assist2Sell Seller’s and Buyer’s 1st Choice!

Joanne Shedd • 315-790-1997

Tony Myers • 315-525-6291

The Nehemiah Fund

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

Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Licensed Mortgage Banker NYS Banking Dept

Vernon

$319,900

3426 Burns

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41660

Buck Contruction • 315-736-0865

Judy Hinman • 315-794-8305

Coldwell Banker Faith Properties

Contractor/Developer • alyssabuck@buckconstruction.net

Agent • jhinman@gurbr.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

Utica

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$399,000

North Utica

Buck Construction

L i f e and H o m e s

$109,500

1800 Holland Ave

The Nehemiah Fund

Whitesboro $119,900

New Hartford $104,900

Desirable location for this 3

Adorable 2 large bedroom ranch,

2 baths, hardwoods upstairs and down, spacious dining room, fireplaced living room, 2 car detached garage. Must see!

MLS # 1001836

bedroom, 1.5 Bath ranch!

Hardwood floors, 2 year old roof, new furnace in 2008. Attached garage. very large yard.

MLS # 1000889

hardwoods, new windows, furnace.

Lic. R.E. Associate Broker

315-723-7210

dhapanowicz@gurbr.com

$94,900

Licensed Mortgage Banker NYS Banking Dept

Wonderful condition, 4 bedrooms,

Deborah Hapanowicz

22

$229,900

717 Plant Street / 2 unit

Interested in Buying or Selling?

Give me a call.

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 .

Quiet, popular neighborhood in New Hartford school district.

MLS # 10001930

Coldwell Banker Faith Properties 2306 Genesee St. Utica, NY 13502

2400 Sunset Ave Utica, NY 13502

(P) 797.2400

Alex Sen Broker

Ed Kasperovich Sales Agent

Mark Enjem Sales Agent

(C) 725.7167

(C) 534.3484

(C) 292.3200

“True Service with Savings”

Utica

$104,900

1800 Holland Ave Landmark, one of a kind estate with 8 bedrooms, 7 full & 3 half baths. Artist room, library, FR, DR, 3 acres. MLS#1000530 MARK ENJEM

Utica

$315,000

5 Russet Bush Lane Spacious contemporary, a must see MLS#1001896 ALEX SEN

Utica

$94,900

1223 South St A nice home, renovated interior, new kitchen, bonus kitchen on the second floor, oversized two-car garage. MLS#913407 ED KASPEROVICH

Utica

$109,900

New Hartford

$229,000

45 Wadsworth Lane 3 bdrm,2 baths, central air, pool, nice.

MLS#911053 ALEX SEN

Cedar Lake

$129,000

Clinton

$198,000

Frankfort

3561 State Route 12 A nice 4 bedroom, 2 bath home on 4 acres with a 3 story renovated barn.New siding, has a new kitchen, nice floors.Clinton schools! MLS#1000284 ALEX SEN

842 Center Rd. Home with 15 acres

Whitesboro

Utica

$64,900

MLS#1000986 ALEX SEN

Litchfield Welcoming renovated year round home, deck, security system, back up generator, garage.

MLS#1001946 ALEX SEN

10 Clyne Place Nice, move in ready.

1575 West St A great home, many updates.

MLS#1001476 ED KASPEROVICH

MLS#1001135 ED KASPEROVICH

Utica

Yorkville

$119,900

$125,900

1807 Crouse St Nicely redone on a double lot

2216 Caroline St. A great brick cape, many updates

MLS#913332 ED KASPEROVICH

MLS#912212 ED KASPEROVICH

Rome

69,900

Clinton

$119,000

Utica

$60,000

$89,900

1637 Sunset Ave Great investment/cash flow property, 5 units fully rented.

MLS#913120 - MultiFamily ALEX SEN

$119,000

Utica

$72,900

518 W Dominick St 4 unit with store front, renovated

4 McBride Ave Nice two family, new roof, renovated 1st flr.

1328 Mary St 2 family with updates and large garage

MLS#200800008 - Multi-Family ALEX SEN

MLS#913167 - Multi-family ALEX SEN

MLS#911508 - Multi-family ALEX SEN

Utica

Utica

July

1541 St. Vincent St. 2 Buildings fully rented total of 6 units. Many updates, plenty of parking. A great income property.

MLS#200900350 - Multi-Family ALEX SEN

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MLS#1001887 - Multi-family ED KASPEROVICH

$84,900

1616 Bleecker St Turn-key two family with plenty of parking. First floor totally renovated.

MLS#913333 ED KASPEROVICH

Utica 1004 Cornelia St 5,100sq ft downtown MLS#911448 - Commercial ALEX SEN

$59,900

Yorkville

$49,900

2205 Whitesboro St Village lot with a large garage, great for workshop or storage, new electrical entrance.

MLS#912214 ED KASPEROVICH

www.Life and Homes .com

23

L i f e and H o m e s

$79,900

414 Ontario st A great two-family with a large detached garage

#1 Selling Coldwell Banker in the Mohawk Valley 2306 Genesee Street, Utica, New York

Visit www.CentralNewYork.com for the best local searches!

L i f e and H o m e s

â–

Central New York

FAITH PROPERTIES

24

735-2222

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 .

Sandra Walser

Cindy Lazzaro

Anthony Vaccarelli Audrey Johnson

JC Pantola

Jenny Carabin

Barb Roberts

Jim Lenahan

Ben Tringo

Susan Martorell

Bitsy Maye-Rattler Bozena Sroczyk

John Brown

Patti Palumbo

Cindy Major

Judy Hinman

Cliff Ganey

Keith Schuderer

Deborah Hapanowicz

Bert McCumber

Derby Family

Kelli Inserra

Linda Peters

Diane Lockwood

Henri Abiyaghi

Lori Hamlin

Lori Scalise

Ismail Yildirim

Jay Groah

Marcia Archibald Pauline Nicoterra

Michelle Faga

Veronica Coe

Rick Rodio

Rosemarie Costello

July 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

New Hartford

$1,300,000

Landmark, one of a kind estate with 8 bedrooms, 7 full & 3 half baths. Artist room, library, FR, DR, 3 acres.

MLS#1001442 www.Campionweeks.com 735-8515

New Hartford

$539,900

Picturesque view from this fabulous contemporary. Great room, cathedral ceilings, gourmet kitchen, DR, 1st floor master. 3.5 baths, sunroom, 3 car garage.

MLS#101154 www.Campionweeks.com 735-8515

Marcy

$229,900

Beautiful & spacious brick ranch on 6+ acres.

4 bedrooms, fireplace, new windows & doors.

FR, DR, in-law apt, double garage.

MLS#100532 www.Campionweeks.com 735-8515

Sauquoit

$279,900

Beautiful 5 bedroom, 2.5 bath colonial. FR, DR, 2 car garage. Finished basement. Emerald Hill Estates location. Great view.

MLS#1000711 www.Campionweeks.com 735-8515

Carla Dochterman Carol Chiarello

Carole Owen Caroline Marino

Whitesboro

$197,000

Spacious 3 bedroom, 2 bath cape. Custom kitchen, FR, enclosed breezeway, attached garage. 2200 s/f MLS#1001846 www.Campionweeks.com 735-8515

New Hartford

$169,900

Stylish & elegant 2 bedrm, 2.5 bath condo in Sherman Oaks. DR, FR, garage. Completely renovated.

MLS#101432 www.Campionweeks.com 735-8515

Whitesboro

$179,900

Wonderful 4 bedrm colonial. FR, DR, fireplace, deck, large yard. 2 car garage.

MLS#1001686 www.Campionweeks.com

735-8515

Frankfort

$199,900

Large country ranch w/ 3 bedrooms, 2 baths on 2.5 acres. DR, oversize 2 car garage.

Sauquoit schools.

MLS#1001720 www.Campionweeks.com 735-8515

Dave Malozzi Kim Johnson

Linda Cavalier Linda Kuzniar

Whitesboro

$175,000

Immaculate 3 bedroom, 2 bath ranch. Fireplace, HW floors, updated roof, furnace & carpet. 2 car garage.

MLS#1001835 www.Campionweeks.com 735-8515

Westmoreland

$175,000

Open floor plan we love! 4 bedroom, 2 bath log home. DR, well-built. Park like setting.

MLS#1000228 www.Campionweeks.com

735-8515

New Hartford

$159,900

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

$169,000

Well maintained 3 bedrm townhouse in Oxford Heights. Dining area, 2.5 baths. Updated roof, appliances, flooring. Nice deck. Att gar.

MLS#100636 www.Campionweeks.com 735-8515

Luis Montero Marilyn Valvo

Mark Canter MaryBeth Roberts

New Hartford

$178,900

Unique property offering 3 bd, 1.5 bath ranch on 1.6 acre setting. Att. garage plus lge 2 car garage w/ 800 sq ft in-law apt. Inground pool, updates.

MLS#100709 www.Campionweeks.com 735-8515

East Utica

$119,900

Vinyl sided 3 bedroom, 1.5 bath cape in popular area. Enclosed patio, DR. Needs a little TLC. Attached garage.

MLS#1000409 www.Campionweeks.com 735-8515

South Utica

$122,900

Updated, immaculate 3 bedroom home in desireable neighborhood. DR, 2 car garage.

Oversize, park-like, fenced yard.

MLS#1000810 www.Campionweeks.com 735-8515

Ilion

$115,900

Michael Grassi Pat LoGuidice

Immaculate 3 bedrm cape. DR, eat-in kit. Gar. Many updates. Home Warranty.

MLS#101424 www.Campionweeks.com

735-8515

Central New York

Paul Durrigan Rosemary Nicotera

Ruth Fanelli Sabrina Arcuri

East Utica

$124,900

Neat & clean 4 bedroom cape. Large kitchen, appliances, new deck & roof. Attached garage.

735-8515

$74,900

Cute, vinyl sided cape with front & back decks, 3 bedrooms, sunroom, garage. Freshly painted interior.

MLS#1001623 www.Campionweeks.com 735-8515

Whitesboro

$89,900

Spacious, vinyl sided 3 bedroom ranch. Sunroom, large kitchen, oversized garage. Many updates.

MLS#1001730 www.Campionweeks.com

735-8515

Blossvale

$89,900

Split level needing some TLC. 2 acres, large 3 car garage to rear. Some updating. Camden schools.

MLS#1001736 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

■

MLS#1001848 www.Campionweeks.com

Whitesboro

East Utica

$64,900

Nice 3 apartment income property. One 3 bedroom apartment, two 1 bedroom apartments.

Separate utilities, vinyl siding.

MLS#1000225 www.Campionweeks.com 735-8515

26

West Utica

$69,900

New York Mills

$69,900

Wonderful 4 bedroom bungalow. Gleaming hard wood floors, DR, 2 car garage. Vinyl siding.

Neat & clean, vinyl sided cape. Dining area, 1.5 baths. 1st floor laundry room.

MLS#1001105 www.Campionweeks.com

MLS#1001780 www.Campionweeks.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 .

735-8515

735-8515

East Utica

$49,900

Affordable & spacious 3 bedroom 2 story.

Dining room. Being sold as-is.

MLS#1001869 www.Campionweeks.com

735-8515

Your All Inclusive Home Directory Vernon

LifeandHomes.com West Leyden

$160,000

$139,900

9 Black Ave, East

4157 Mud Lake Rd

3 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41547

For more details visit www.LifeandHomes.com Type in Quick Search #41649

Amy La Clair • 315-790-4153

Anthony Fumarola • 315-732-3456

New Nest Realty

A.Fumarola /Joyce Realty

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

Broker/Owner • anthony.fumarola@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

$154,900

4588 Verona Street 4 Bedrooms / 2.0 Baths

Licensed Mortgage Banker NYS Banking Dept

s re

Ac 5 .

24

West Leyden

$139,900

4157 Mud Lake Road 4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41385

For more details visit www.LifeandHomes.com Type in Quick Search #41364

Amy La Clair • 315-790-4153

Carrie Podagrosi • 315-723-3021

New Nest Realty

A.Fumarola /Joyce Realty

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

Agent • cpodagrosi@yahoo.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

$120,000

5939 Cooper Street

w

Ne

3 Bedrooms / 1.0 Baths

n tio uc tr s on

C

Westmoreland

$224,900

6000 Eureka Road 4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41557

For more details visit www.LifeandHomes.com Type in Quick Search #41645

Amy La Clair • 315-790-4153

Laura Minard • 315-525-1974

New Nest Realty

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

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

Coldwell Banker Prime Properties

$89,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$170,000

5612 Rt 31

5860 Bartlett Road

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41517

Thelma Chase • 315-363-5464

Amy La Clair • 315-790-4153

Don Kingsley Real Estate Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Verona

$149,500

New Nest Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$359,900

6047 Route 46

18 Symphony Place

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41635

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

Jayne Wentworth • 315-363-9191

Laura Minard • 315-525-1974

Kay Real Estate

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Nest Realty July ■

Amy La Clair

Professional & Courteous Real Estate Services

(315)790-4153 visit us on the web @ www.newnestrealty.com

www.Life and Homes .com

27

L i f e and H o m e s

Licensed Real Estate Broker

Lot owners

homeowners We Remodel Too! Hey, call us 738-9458

$159,900.00 On Your Lot 3 Bedrooms, 2 baths Full Basement, 2 Car Garage (stone optional).

Not Included- Water Well Sewer, Finished Landscaping and Interior Painting

• Garages • Decks • Additions • Kitchens • Baths • Sunrooms

L&A BuiLders

Or Let Us Design Your New “Dream Home.”

Whitesboro’s Elegant “Hart’s ViEW tErracE” Still has 4 Choice Suites Available (1) 3+ Acre Parcel • (1) 5+ Acre Parcel • (2) 1/3 Acre Lots

Over 50 Years of Quality Custom Homes, Dependability, & Fair Prices

Phone: 738-9458 or 723-0823 Mailing Address: Box 4625 Utica, NY 13504 Email: labuilders_utica@hotmail.com

#1 Selling Coldwell Banker in the Mohawk Valley FAITH PROPERTIES

2306 Genesee Street, Utica, New York

Each Office is Independently Owned and Operated

315-525-7600

Visit www.CentralNewYork.com/Bozena for the best local searches!

Thinking of Buying or Selling?

Central New York

Contact Me Today For a Full Time Professional Advice & Service

Bozena Sroczyk

$69,900

Utica - 2 Units

$84,900

Utica - 3 Units

$139,900

Yorkville

$79,900

South Utica

$84,900

New Hartford

$104,900

Very well maintained 2 family with 3 bedroom each floor. Separate utilities. Newer siding, windows, 1st floor bath and kitchen. 315-525-7600

Well maintained 2 Family with 3 bedrooms on the 1st floor and 2 large bedrooms on 2nd floor. Great location, so close to many conveniences. 315-525-7600

Commercial 3 story brick building. Current use level 1: Bar/ Restaurant with all equipment, level 2: apt with 3 bedrooms and level 3: apt with 4 bedrooms. 315-525-7600

Associate Broker sroczykb@yahoo.com Cell: 315-525-7600 Fax: 315-735-1727

■

L i f e and H o m e s

Utica - 2 Units

Spacious Bungalow offers 3 bedrooms, 1.5 Baths, nice living room. Formal dining room, hardwood floors, new counter top, & tile. 315-525-7600

28

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 .

Move in Condition! 2 story w/ 4BDRMS, 2 full baths w/ jacuzzi tub. Appliances included.

Many Updates! 315-525-7600

Nice 3 bedroom ranch with all appliances. Newer roof, bath and sun room. Convenient location, close to school and shopping. 315-525-7600

mortgageCorner

Modify or Refinance?

The real estate industry is confusing enough without all of the jargon that gets thrown around. Borrowers who don’t understand the meaning of this jargon can find themselves paying a hefty price for their lack of understanding. Two terms that are often confused are “loan modification” and “mortgage refinance”. These two terms describe two different practices that ultimately accomplish the same desired effect, a lower monthly payment for the borrower.

Home loan modifications modify the terms of an original mortgage contract, but in most cases maintain the amount of time that remains on the contract. For example, home loan modifications approved 10 years into a 30 year loan will continue to have 20 years remaining on the loan. Home loan modifications reduce monthly payments, in most cases, by reducing the amount of interest the lender collects from the time of modification approval to the time of the expiration of the contract. Home loan modifications do not generally add time to a loan, which is good for borrowers who want to stay on track with their original 30 year plan.

No matter which option the borrower chooses, it is important for them to remember that a lower monthly payment is not a blank check issued by their lenders. A lower monthly payment often means that saving for the future becomes easier. If a monthly payment is lowered, the borrower is urged to put away as much of their monthly savings as they can into savings accounts

and low risk investment options. This will ensure that the borrower has a bit of a cushion should financial trouble arise again in the future. If a borrower is able to pay off their mortgage without having to dig into their financial cushion, they can treat the funds as an additional source of retirement income.

Author Timothy G.McFarlin is an Attorney at McFarlin & Geurts with expertise in a variety of practice areas including real estate law, debt reorganization, bankruptcy, business litigation, and consumer law and mortgage litigation. (www.mcfarlinlaw.com) (Source: ArticleBlast)

The worst housing markets forecast by Housing Predictor in 2010 are projected to do better than what was first forecast at the beginning of the year, according to the latest update of the worst 25 markets.

- www.housingpredictor.com

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

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

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

Anthony Tefel 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

29

L i f e and H o m e s

315-404-5253 Mortgage Originator

■

In general, it is best not to add time to a loan if it can be avoided. The reason to avoid adding time to a loan is simple; the borrower simply has no way of telling the future and has no way

of knowing how financially secure they will be in another 30 years. Keeping the length of a loan down shortens the amount of time that the borrower has to look into the future. For many, it is far easier to predict how financially secure they will be in 10 years rather than 30.

A person who plans on retiring after their home is paid off would risk having to spend their retirement check on their mortgage if the mortgage is refinanced to another 30 year term rather than modified to a lower interest rate.

July

Mortgage refinancing, on the other hand, takes the amount that remains on one loan and extends it to a full 30 year loan, starting the clock all over again for the borrower. While it is true that mortgage refinancing will lower payments, borrowers must ask themselves “at what cost”.

If a borrower doesn’t care about the length of their loan, only the amount of their monthly payment, then a refinance may be the best option.

by: Timothy McFarlin

Home Service network

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30

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■

L i f e and H o m e s

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in New York State Gloria Rocci 768.1680 Ext. 217

PRIME PROPERTIES 4957 Commercial Drive Yorkville NY

868-8686 Cell Frankfort

Deerfield

$259,900

2672 Albany Road QUALITY prevails throughout this wonderful 4 bedroom home… an open floorplan makes for easy entertaining. Meticulous landscaping & attention to details offset this property.

Call me at 868-8686. MLS # 1001440

$369,900

5770 Walker Road PRICELESS! Secluded on 10 acres of lavish landscaping, this luxurious home is one of a kind...too many amenities to mention. Call me for details at 868-8686. MLS # 1001441

www.coldwellbankerprime.com/gloria.rocci

Herkimer County

$179,000

$199,900

$230,000

$550,000

480 acre farm 180 acres tillable. Balance woods and pasture. Good 2 story 4 bdrm home w/2 car garage. Very cheap inexpensive power. Farm has a beautiful year round stream. Several ponds.

Excellent hunting & fishing. Close to 300 miles of snowmobiling & ATV trails. This would make a wonderful farm to raise beef, horses, make hay.

Lots of road frontage. A great investment property.

Close to the Adirondack Mountains. Not far from Route 90 Thruway. Easy to get to.

www.Life and Homes .com

31

L i f e and H o m e s

Southern Herkimer County Gentleman’s Farm w/58 acres & Beautiful home. Very nice 2 story 4 bdrm home. Well kept & maintained. Good 2 story 36x70 barn. Room for 25 head of cattle.

Farm has a very nice year round stream. Decent fencing for beef. Lots of deer & turkey. This would make an excellent farm to run beef or horses. Great place for a road side stand. 20 mins from shopping & several hospitals. 5 mins to schools.

Oneida County

■

Herkimer County Hobby Farm. 100+/- acres 25 acres in pasture and fields. Balance woods and large beaver ponds. Awesome white tail deer & turkey hunting. Good 2 story 5 bdrm Colonial Brick home in good condition. Large rooms high ceilings. Good spacious home. Good 40x80 pole barn for horses or beef, machine and hay storage.

2 story barn, has been used for additional storage.

Close to I90, shopping, hospitals close by. Not far to the Adirondack Mountains.

Herkimer County

July

Near Little Falls, NY. 35 acres of beautiful land with a large 3 story 10 bedroom Victorian Home.

This beautiful home is a well maintained home with some remodeling done, but most of the original woodwork is still intact. Large rooms, high ceilings would make a beautiful Bed n Breakfast situated on a quiet road. Overlooking Adirondack Park. Mins from I90 Thruway.

Unbelievable hunting, fishing, hiking, skiing, and snowmobiling trails all within minutes drive.

Within an hour of Albany International Airport.

Herkimer County

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

We won’t be

undersold.

We will beat

any price!

Come to an

Open Ho use Call L aura for S howing

Competitive Pricing 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

Marcy

Buckland Estates

Westmoreland North Utica

$299,900

Brand new beautiful one story home with a full basement, stone entry, hardwood floors, two stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.

QSN#41645

New Construction in desirable Westmoreland location. 4 bedroom, 3 baths, 2300 sq ft, attached 2 car garage.

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