Life and Homes Central New York

Central NY

Life and

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January

2011

Cashing In On Tax Breaks Mortgage Tips You Can Bank On

Your Guide to Central NY Listings

Complete Real Estate Listing Directory @ LifeandHomes.com

“Experts” Predictions

Life and

Homes

What will the housing market look like in 2011? A (non-exhaustive) review of consumer surveys seems to indicate consumers have a mixed outlook for the coming year.

Oneida County NY, Edition

Published By LISI MERCHANT SOLUTIONS, INC.

A Fannie Mae nationwide survey released in the final quarter of 2010 revealed most Americans believe the housing market has reached bottom, but they are more cautious about owning a home. Nearly half of respondents, (47%), believe home prices will hold steady in 2011, and a respectable seventy percent think it’s a good time to buy a house.

Bankrate’s commissioned survey revealed nearly nine out of 10 survey respondents believe that a home is a good investment for the future, yet a full third of Fannie Mae respondents indicated they would be more likely to rent their next home if they were to make a move, even though 69% of renters think it makes more sense to buy a home.

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

David P. Lisi, RMC

Real Estate Marketing Consultant 315-865-5845 • David@dslisi.com

Doug Duncan, Vice President and Chief Economist, Fannie Mae explains it this way. “Although most Americans believe that home prices have bottomed, they are adopting a much more cautious approach toward buying. Homeowners and renters alike continue to be wary of taking on risk, and they are less confident in the long-term outlook for housing.”

National Association of REALTORS® President, Ron Phipps, has his own spin. “The decision to own a home is a very personal one. But over the long term, owning a home is one of the best ways to build long-term wealth, in addition to providing numerous social benefits that include reduced crime rates, improved childhood education, and increased stability.

After all, a fixed-rate mortgage might last 15 to 30 years; renting is forever.”

So will 2011 be a good year to buy, sell, rent? I can’t predict what’s ahead but I’m confident if anyone can make it through, Central New Yorker’s can. We’re blessed to have a qualified network of real estate participants and community members dedicated to preserving local quality of life. And I have to agree with Mr. Phipps when he says, “We believe that anyone who is able and willing to assume the responsibilities of owning a home should have the opportunity to pursue that dream.”

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

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315-865-5845 Fax 1-315-865-7418 For franchise information call, 315-865-5845 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.

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Mortgage Options

for Military

When military heroes return home from the Middle East, they may find a completely changed housing landscape - which could be good news for them.

In just the last two years, housing prices have plummeted, making homes more affordable than at any time in the last five decades. Now, mortgage rates have seen historic levels, bringing the American dream of home ownership to many.

Making matters better for returning armed service members is the benefit of the Department of Veterans Affairs (VA) loan, a special mortgage program offered exclusively to active and retired military service members as well as to the widows of those who gave their lives in service.

“VA loans are a very underused benefit of being in the military,” said Jay Farner, president of Quicken Loans, the nation’s largest online lender. “With housing prices falling so significantly over the last two years, there is a great opportunity to purchase a home at incredibly affordable prices.”

VA loans are similar to a conventional mortgage but have some very important flexibility. The program, which can be used to purchase as well as refinance a home, requires no down payment, offers relaxed credit score guidelines and allows loan fees to be rolled into the mortgage. In addition, VA loans do not require mortgage insurance, a potentially costly expense regularly paid by homeowners with less than 20 percent equity in their homes.

Energy Help for Elders

Information that many older adults may greet warmly is just what types of energy assistance might be available to them. To help, the Eldercare Locator offers resources and tips: • To find out about energy assistance programs, contact the Eldercare Locator at (800) 677-1116 or visit www.eldercare.gov and get connected with your local Area Agency on Aging.

• Take advantage of special heating assistance funds and no-cutoff eligibility programs from utility providers.

• Make sure your home is energy efficient.

Information is available from the Environmental Protection Agency’s Energy Star program at www.energystar.gov.

kidney problems or high blood pressure in adults.

Dwellings built before the Safe Drinking Water Act amendments of 1986 are especially vulnerable.

Lead can sometimes “leach” from pipes in the water service line entering a building or from welds used on pipes in the home. However, there are several things you can do to decrease or eliminate the threat of lead in your drinking water: Tips to Reduce Your Exposure to Lead • Do not consume water that has been sitting in your home’s plumbing system for more than six hours.

• Run cold water for 15 to 30 seconds before drinking it.

• Use cold water for drinking or cooking.

• Never cook or mix infant formula using hot water from the tap.

• Use a faucet or filters that can remove lead from drinking water.

• Use a professionally installed water filter system on the pipes entering your home as well as under the faucets in your kitchen and bathrooms.

• Get a free, helpful brochure, “Winter Warmth and Safety: Home Energy Tips for Older Adults,” by calling (800) 677-1116.

• Put your filtered water in a safe container— glass or BPA-free plastic.

The Eldercare Locator is a public service of the U.S. Administration on Aging and is administered by the National Association of Area Agencies on Aging. (NAPSI)

• Invest in lead-free, energy-saving plumbing products such as balancing valves and the brass ITT Bell & Gossett ecocirc® water circulating pump that can save a family of four up to 12,000 gallons of water a year.

Drinking Water Get The Lead Out

of LifeandHomes Don’t miss that Special Home you’ve been looking for.

Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

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L i f e and H o m e s

Extended exposure to lead in drinking water can cause adverse health effects ranging from delayed physical and mental development in children to

Free Delivery

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While many people are aware of the dangers of lead in paints and toys, the Environmental Protection Agency (EPA) says potentially toxic lead is most commonly found in a home’s plumbing and water system.

To learn more about how to get the lead out of your drinking water, check out EPA’s Safe Drinking Water Hotline at (800) 426-4791 and website www.epa.gov/safewater/lead/index.html. Explore lead-free and energy-efficient products at www.bellgossett.com. (NAPSI) January

The program has been a moderate success, with the Veterans Affairs office guaranteeing more than 14 million VA loans since the end of World War II. However, this represents only a fraction of those eligible to get the benefit. “There are very few loan options available as flexible as the VA loan. Every veteran should at least investigate before buying or refinancing a home,” Farner added. Several lenders, including Quicken Loans, offer VA loans, and the Veterans Affairs office also offers information on the loan program.

(NAPSI)

newsShorts

Be Aware Of

Bed Bugs:

With bed bug infestations on the rise, you may want to learn more about keeping your home free of these invasive insects.

Bob Hickman, a pest control professional with BASF, works with key researchers, pest management professionals and the public to better understand and improve bed bug control. Here, he offers some insight.

Bed bugs love dark, secluded spaces with a lot of nooks and crannies to hide in. They also need access to humans for their meals. So they do best in places like hotels, hostels, dormitories, camps, apartment buildings and even hospitals, movie theaters and air and rail cabins.

Travel creates risk mainly because you are moving from place to place frequently and using spaces that have been visited by many different people from many different places.

L i f e and H o m e s

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Central New York

How can you tell if there are bed bugs in your room? Most hotels do everything they can to prevent infestation. Taking a few simple steps can lower your risk. When you get to a hotel, check your room for any signs of bed bugs. They could be lurking on the bed itself, in headboards, wall hangings, draperies, furniture or carpets.

Check seams and edges carefully for any live bugs, skeletons, eggs or tiny blood stains.

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newsShorts

when you return. Bed bugs do not tolerate heat, and laundering items will reduce the risk that any stowaways get into your home.

For more information, visit www.bedbuginstitute.com. (NAPSI)

Taking A Trip?

Secure Your Home First Four to five minutes-that could be the difference between whether or not your return home from your trip is ruined by a burglar.

"People don't realize that going on vacation can be an invitation for would-be thieves," says Mike Convery, vice president and chief claim officer at MetLife Auto & Home®. "Or that the average burglary will result in a loss of more than $2,000."

In fact, the Insurance Information Institute indicates nine out of 10 break-ins could have been prevented if homeowners had burglar-proofed their properties.

The simple act of locking your doors before leaving home can go a long way toward deterring a burglar.

According to the U.S. Department of Justice, more than 50 percent of burglars use an unlocked door or window to gain access to a home.

How else can you avoid returning to a home that's been ransacked? Read on for some "Do's" and "Don'ts" from the experts:

It’s a good idea to use the metal luggage rack the hotel provides. Bed bugs cannot easily climb metal. If you have more items with you than fit on the rack, keep them in the bathtub or on the bathroom counter, as smoother surfaces also inhibit bed bug climbing. Avoid putting your clothing, luggage or bags on beds, as this is the most likely place bed bugs may hide. If you are very concerned, bring a plastic trash bag and put your whole suitcase and other luggage in it overnight.

DON'T advertise you're away. Arrange to have the lawn mowed, put lights and electronics on variable timers, and - to really complete the illusion - ask a neighbor to park a car in your driveway.

When you get home, leave your luggage in the garage or another place outside your home, so any bugs hidden in your luggage will not get into your house. Wash and dry every item of clothing in hot water and dry them on high heat immediately

DON'T hesitate to rearrange things. Those expensive belongings, including TVs and stereo systems, might as well have a sign on them saying "Take Me" if they're left in plain view from windows and doors.

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 .

DO make would-be thieves feel both exposed and contained. Choose picket or chain-link fencing instead of solid fencing to create a physical barrier that's less easy to hide behind. Keep hedges clipped to around waist level.

DO get an assist from technology. A solar-powered, motion-sensor light - which doesn't require an electrician to install - illuminates your property so that lurking intruders are easier for neighbors and passing patrol cars to spot.

DON'T hide keys in "secret places" outside your home. Most burglars know where to look. Better to leave a duplicate with someone you trust.

DO invest in a burglar alarm. The most effective ones notify an outside service of trouble, but any kind is a good deterrent. Just make sure there's a friend or family member available to turn it off if it's set off in your absence.

One last thing: "In addition to those preventive measures, all homeowners should complete a personal property inventory," says Convery. "That way, if you are burglarized, you'll already have a detailed list of your valuables for the authorities, which can be a difficult task after the fact."

You can get a free Personal Property Inventory brochure from MetLife Auto & Home by calling (800) 608-0190. (NAPSI)

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315.768.1680 x 203 homes@richardparent.com

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Constableville

$598,000 Russia

$269,900 Columbia

$259,900

3091 Schibley Road - 260 acres of seclusion!

Meticulously expanded 3,600 sq/ft farm house & barn, great rooms, incredible kitchen, ponds, trails, dog kennel & more.

5107 Military Road - Astonishing 2,516 sq/ ft colonial offers surprises throughout, lavish gardens, in ground pool, post card setting!

373 Beebe Road - Fantastic 4 BR colonial and horse or alpaca farm on 18 acres, spacious living room, 6 stall horse barn, tack room, paddocks, landscaping & gardens.

Sauquoit

$250,000 Barneveld

$249,900 Bridgewater

$249,900 Bridgewater

$199,900 Russia

$189,000 Edmeston

$149,900

West Winfield

$139,900 Waterville

$134,900 Russia

$112,500 Little Falls

$102,900 Marcy

$100,000 Norway

$89,900

2446 Timian Road - Approx 35 Acres w/ incredible hillside views! 2,152 sq/ft farmhouse, riding trails, horse paddocks, outbuildings, 3 barns, additional acreage available.

381 Fairview Circle - Enjoy morning tea in exquisite 4 season sunroom, antique wainscoting, private bedroom balconies, quality kitchen, Spanish tile & beautiful hardwoods.

7357 Trenton Road - 2 homes for the price of one! Stunning updated Victorian offers a gorgeous kitchen, additional 2 family home, just off Putnam Rd.

7658 Route 20 - Newer built mint ranch!

Oak kitchen, efficient heating, garage, work shop, convenient 1 acre rural setting!

2449 Route 8 - Horse & snowmobile riders’ alert! 56 gorgeous acres & hilltop views, 10 stall horse barn, fenced riding areas, 4,200 sq/ft newly constructed home.

5100 Military Road - Fantastic village setting! 1,820 Sq/Ft 3 BR ranch in move in condition, large open kitchen, finished lower level, studio & work shop, 16 X 32 pool.

540 Doe Rd - Custom 2,900 sq/ft log home, large kitchen w/ center island, upgraded appliances, dramatic vaulted LR, cozy loft, 2 fireplaces, media room & more!

103 Cramer Rd -Warm & cozy nights await in this old world charm 4 BR country homestead.

Original woodwork, hardwood floors elegant DR, views, separate FR & LR, oak kitchen & more!

5089 Military Road - Classic 3 BR federal style home set on park like 3.8 acres! Open kitchen, loft, sunroom, cherry hardwoods, original features, barn/garage, work shop.

5494 Flanagan Road - A great buy & huge upside potential with TLC on this 3 BR 1,863 sq/ft ranch! Whitesboro schools. Priced to sell!

51 Burdick Ave - Stunning kitchen w/ upgraded appliances, Mint 3 BR ranch on 3 + acres, meticulously finished lower level offers 2 cozy family rooms & more!

1440 Newport Gray Road - Spectacular view on 30 acres!“As Is”ranch, large 2 level 275’ dairy barn, great property to enjoy all seasons & recreation activities, near Adirondacks.

Commercial Properties

New Hartford

$84,900 Clark Mills

3532 Oneida Street - Looking for key updates?…stop here! gorgeous kitchen, sun room, new floors, formal dining, private yard, pride of ownership, stunning gardens.

$82,500 Herkimer

76 Millstream Court - Stunning new 1,604 sq/ft ranch! High end upgrades, central air, nice setting, $354 lot rent, mint, Clinton schools.

25 Acre Premier Lot 2 Family 7 City Lots 3 Family 6 Acre Parcels 19 Acre Lot 3 Bedroom Village Home 6.7 Acres

$450,000

Building offers many commercial uses, open interior to suit needs, 3,200 sq/ ft main level & office, large lot, room to expand, plenty of parking.

Eagle Bay

$350,000 Rome

Residential & commercial property, 4 BR home, Restaurant & Bar, 4 room motel, guest cottages, bar, dining & game room, excellent income potential.

$299,900 Rome

Outstanding location offers high traffic & visibility for this 2 pump gas station, room for expansion, well known busy tri corner, solid investment.

$54,900

3,600 sq/ft machine shop shows commercial and residential potential, 2nd floor apartment, close to Erie Blvd & Rt. 365, overhead doors, convenient.

www.RichardParentHomes.com • Office: 315-768-1680 x 203

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L i f e and H o m e s

Timian Road, Sauquoit Clementian Street, East Utica South Street, East Utica South Street, East Utica Bray Road, Sauquoit Fiery Hill Road, Little Falls Monroe Street, Little Falls Furman Mills Rd, Brookfield

$649,900 Thendara

Approx. 40 acre residential 49 home subdivision of partially wooded lots, existing road & homes, home sites offer public water & Rome tax incentives.

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• $75,000 • $74,000 • $65,000 • $50,000 • $38,000 • $34,900 • $27,000 • $19,900

Rome

January

Other Investment/Land Opportunities

$79,900

223 Dewey Ave - Tastefully updated 2 story, Rome $699,000 gorgeous new maple kitchen & stunning bath, formal dining, new windows, updated Prime commercial property located adjacent to Lowe’s Home Improvement, electric & lighting, convenient area. high traffic area, corner location with strong visibility, many possibilities.

Don’t Let High Commissions Take a Bite Out of Your Home’s Equity BRANTINGHAM LAKE

5219 Lily Pond Rd. - Year-round waterfront, 4 bdrms., 2 baths, 2,000 sq. ft., hardwoods, deck. $339,900

CANASTOTA

HERKIMER

901 Westwood Dr. - 4 bdrms., 2 1/2 baths, 2,900+ sq. ft., open floor plan, newer roof, windows and siding. $194,900 120 Church St. - 2 bdrms., 1,400+ sq. ft. $42,900 Cook Rd - JUST lISTeD - land and lakes Development! 5 acres. $29,900

6952 Forbes Rd. - 3 bdrm., 4-years-young Contemporary, 2 1/2 baths, 2,200+ sq. ft., 1+ acre, fireplace, hardwoods. $315,000 HINCKLEY 7345 Willow Acres Rd - 4 bdrms, 2 baths, LAKE 2300 sq. ft, many updates. $147,900 224 MacArthur Rd. - Waterfront!

CHADWICKS 4 bdrms., 2 baths, 3281 Oneida St. - 3 bdrms., 1 1/2 baths, 2,000 sq. ft., open floor plan, fireplace, 1,500+ sq. ft., hardwoods, Sauquoit Schools. $129,900 19 acres. $269,900

CLINTON

Burmaster Rd. - 63 acres. $235,000 1 Elliott Pl. - 4 bdrms., updated 2 1/2 baths, 1,700+ sq. ft., fireplace, newer windows. $194,900 Cleary Rd. - 57+ acres. $185,000 315 Stafford Circle N. - 3 bdrm., 2-year-old Ranch, 2 baths, central air, deck. $174,900

DEERFIELD

7 Beaton Dr - JUST lISTeD - 3 bdrms, 2 baths, 2000 sq. ft. fireplace, updated baths, windows and roof. $164,900

EAST UTICA

711 James St. - 3 bdrms., 2 baths, newer windows and furnace. $89,900 749 Rutger St. - Two units! Great income potential. $67,000 123 Thomas St. - PRICe ReDUCeD - Two family. Separate utilities. $39,900 518-520 Nichols St. - Three Unit! Updated baths. $49,900 1618 Dudley Ave. - 3 bdrm. flats, great income. $34,900 624 Blandina St - JUST lISTeD - Two Unit! Separate Utilities. $64,000 904 Third Ave - JUST lISTeD - Two unit! newer furnace and windows. $41,900

98 New Hartford St. - 3 bdrm. ranch, 2 baths, 1,800 sq. ft., fireplace, new kitchen. $154,900 33 Paris Rd. - Two family! Great income potential. $133,500 10 Bohling Rd. -PRICe ReDUCeD - Village ranch! 3 bdrms., 2 baths, family room,

Central New York

NEWPORT

863 Honey Hill Rd. - 3 bdrm. log home, 1,200+ sq. ft., fireplace, 1+ acre. $149,900 3116 School St. - 4 bdrms., 2 baths, 2,500+ sq. ft., deck, newer windows. $79,900

10 Chestnut St. - 3 bdrms., 2 baths, 1,700+ sq. ft., open floor plan, deck, new roof. $134,900 3-5 Wetmore St. - 3 unit.

Many updates. $129,900

ILION

53 W. River St. - 3 bdrms., updated kitchen, hardwoods, deck. $75,000

NORTH UTICA

LEE

8609 Turin Rd. - 3 bdrm. ranch. $84,900

57 Woodside Ave. - 4 bdrms., 1 full, 2 half baths, formal dining room, corner lot. $94,900

617 Cosby Rd. - 3 bdrm. ranch, 2 baths, hardwoods, fireplace. $119,900 417 Elmhurst Rd. PRICe ReDUCeD - 3 bdrm. Ranch, new roof, windows and siding. $84,900 159 Wilbur St. - 3 bdrms., hardwoods, cherry kitchen, corner lot. $72,900

MARCY

ORISKANY

LITTLE FALLS

REMSEN

6017 Military Rd. - 4 bdrms., 2 baths, 2,200 sq. ft., hardwoods, “3” car garage, Poland School District. $244,900 10579 Steuben St. - 4 bdrms., 1 1/2 baths, new kitchen and baths, hardwoods, newer windows, deck. $89,900

NEW HARTFORD

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 .

SAUQUOIT

9235 Paris Hill Rd. - 3 bdrm., 2 bath, 5-yearsyoung Contemporary, 3,300+ sq. ft., 14+ acres. $379,900 3088 Oneida St. - 3 bdrms., 1,900+ sq. ft., 1 acre, updated kitchen, new roof and windows. $164,900 8330 Pleasant View Dr. - 3 bdrm. Ranch, new kitchen and bath, double lot. $112,000 2681 Mohawk St - JUST lISTeD 4 bdrms, 2 ½ baths, 2000 sq. ft, hardwoods, master suite, deck. $189,900 9587 Holman City Rd - JUST lISTeD 2bdrms, 1100+ sq. ft, deck. $69,900

SCHUYLER

Johnson Road - PRICe ReDUCeD - Private 9+ acres. Frankfort-Schuyler schools. $16,000 41 Louis Rd - JUST lISTeD land and lakes Development! 11 Prime acres. $44,900

SOUTH UTICA

2100 Genesee St. - Commercial opportunity. 2,700 sq. ft., renovated 1st floor, new windows. $179,900 2 Arlington Terrace - PRICe ReDUCeD - 3 bdrm. Ranch, 2 baths, hardwoods, finished basement. $109,900 827 Rose Pl. - 2 family! Separate utilities. $79,900

SYLVAN BEACH

9096 Edward Ohara Ave. - 4 bdrms., 1,500 sq. ft., deck, lake rights. $87,000

VERONA

5600 E. Main St. - Prime commercial Rt. 69/Thomas Rd. - Subdi- acreage! 2+ acres. Frontage on Rt. 365. vided 12+ acres. $95,000 $159,000

5478 Woodlawn Pl. - 3 bdrms., central air, hardwoods, updated kitchen, newer windows and furnace. $89,900

112 Danberry Circle - 3 bdrms., 3 1/2 baths, fire8158 River Rd. - 4 bdrms., 2 1/2 baths, places, cathedral ceilings, “3” 2,300+ sq. ft., Oriskany Schools. $124,900 car garage. $449,900 7733 Starlane Dr. N - 4 bdrms, 1600 sq. Jewel Ridge Estates - neW ft, new roof, furnace and deck. $112,900 COnSTRUCTIOn - new hartford’s newest development offering sweeping views, easy FORESTPORT access, and top-notch construction! 4 bed11821 Woodhull Rd. - Fully established room home plans starting at $279,900 7 Christopher Circle - 3 bdrms., 2 1/2 commercial property. 5,000+ sq. ft., 5+ baths, 2,100+ sq. ft., fireplace, hardwoods, acres. Retail store, plenty of parking, updated kitchen and baths. $199,900 lodging and a leased barn. $319,000 38 Janet Terrace - 4 bdrms., 3 baths, 2,700 sq. ft., flexible floor plan, newer FRANKFORT 107 Sunflower Circle - 3 bdrm., 7-year-old furnace and windows. $199,000 Colonial, 2 1/2 baths, 2,000 sq. ft., fireplace. 2 Twyndom Terrace - PRICe ReDUCeD -5 $239,900 bdrm. ranch, 2 1/2 baths, 2,100+ sq. ft., fireplace, newer roof and windows. $149,900

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L i f e and H o m e s

111 Park Ave - JUST lISTeD - 4 bdrms, 2 baths, 1800+ sq. ft, updated kitchen, new windows, deck. $139,900

NEW YORK MILLS

Floyd

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Oriskany

hardwoods, fenced yard. $109,900 Bogner Brae - 17 prime acres. Ideal for subdivision. $109,900 128 Clinton Rd. - PRICe ReDUCeD -3 bdrm. Ranch, 1 1/2 baths, hardwoods, deck, deep lot. $99,900 1 Larchmont Dr. - 3 bdrm. ranch. Family room, newer furnace. $94,900 1905 Tilden Ave -3 bdrm, Sherman hills Ranch, 2 baths, fireplace, hardwoods. $149,900 6 Wilbur Rd - JUST lISTeD - 2 bdrms, open floor plan, deck. $79,900 Chestnut Dr - JUST lISTeD Chestnut hills Building lot. $32,400

ROME

7988 Northwood Dr. - 4 bdrms., 3 baths, 2,000+ sq. ft., fireplace, deck, newer roof. $134,900 6343 Pillmore Dr. - 3 bdrm. ranch, 1,200 sq. ft., hardwoods. $84,900 429 E. Locust St. - 3 bdrm. ranch, updated furnace and roof. $74,900 130 Victory Dr. - 3 BRs, 1,100+ sq. ft., hardwoods, newer furnace. $59,900 213 E. Whitesboro St. - 5 bdrms., 1 1/2 baths, 1st floor laundry, newer roof and furnace. $46,900 1017 Clinton St - JUST lISTeD 2 bdrm, Ranch, oak kitchen. $69,900

WEST TURIN

3091 Schibley Rd. - 260 acres! Remodeled 5 bdrm., 4 baths, 3,600 sq. ft., vaulted ceilings, rolling meadows and ponds, incredible views. $550,000

WEST UTICA

1223 Butternut St. - PRICe ReDUCeD - 3 bdrms., formal dining, hardwoods, covered porch. $79,000

WHITESBORO

11 Hollywood Dr. - 4 bdrm. Ranch, 2 1/2 baths, 1,500 sq. ft., hardwoods. $154,000 1 Collins Ave. - 3 bdrms., 2,200+ sq. ft., hardwoods, updated kitchen, new furnace with 1 bdrm. in-law apt. $139,900

YORKVILLE

6 Trinity Ave. - PRICe ReDUCeD! 2 bdrms., hardwoods, formal dining. $64,900

NOW UNDER CONSTRUCTION 0 ,00 9 8 $2

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Move into one of these homes this spring! Enjoy quality construction and a convenient location. Each home offers various amenities such as granite countertops, hardwood flooring, high ceilings, fireplace, stainless

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steel appliances, two-story entry, stone accent and much more. These fabulous prices are for the complete package; including land, house, and upgrades. Contact Gaetano today for floor plans, photos and more details.

January ■

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L i f e and H o m e s

#1 Coldwell Banker in New York State R DE

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Marcy

$299,000

Utica

$247,000

Great Investment Opportunity! This 3300 square foot property has a cafe, and a lucrative sports bar. Upstairs: 3 BR 1 BA apt. with a LR & DR that is tastefully done.

Gloria Rocci

Westmoreland

Ext. 217

$209,900

This 4 bedroom, 2.5 bath is the perfect family home. New construction, seeing is believing!! Call Laura Minard.

Laura Minard

Featured Home

Ext. 205

Marcy

$289,000

St. Lawrence River

$195,000

Waterfront condo...penthouse level.

Newly constructed, 2 BR, central air, fireplace, front and rear balconies. Price includes a boat slip & carport.

Debbie Roberts Ext. 239

Clinton

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Excellent floorplan, spacious home with hardwood floors, living room, family room, 4 bedrooms. Select your colors to customize this home!

Gaetano Belmonte Ext. 202

$159,999

Historic village home within walking distance of Village Green, shopping and schools. Flexible floorplan, large principal rooms.

Gaetano Belmonte Ext. 202

Deerfield 5802 Graham

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Two-story entry, stunning greatroom with fireplace, deluxe master suite, spacious eat-in kitchen . Select your cabinets and colors now!

Gaetano Belmonte Ext. 202

Central New York

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Marcy

$289,000

Fabulous 4 bedroom, 2.5 bath home. 2 story foyer, fireplace, deluxe kitchen.

Master suite with 2 walk-in closets.

Gaetano Belmonte

Clinton

Ext. 202

$189,900

Spacious ranch with hardwood floors, cathedral ceilings, built-in bookcases, gas fireplace in family room, new carpets.

Gaetano Belmonte

Yorkville

Ext. 202

$150,000

Commercial Building located in high traffic & visibility area. Onsite parking and 2-stall detached gar. This building can be an office or retail. www.1211champlinave.com

Lisa Filletti

Ext. 206

Marcy

$279,900

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

Laura Minard Ext. 205

Russia

$189,000

Classic 3 BR federal style home set on park like 3.8 acres! Open kitchen & loft, original features, 4 fireplaces, newer furnace, barn, work shop.

Richard Parent Ext. 203

Waterville

$149,900

Mint 3 BR ranch! Custom oak kitchen, private family room, efficient zone heating, huge rear deck, garage & work shop, 1 acre rural setting!

Richard Parent Ext. 203

Floyd

Utica

New Hartford

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 .

$149,000

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

Gaetano Belmonte

4957 Commercial Drive Yorkville NY

Call 768.1680 8

$189,900

Colonial Square intergenerational community, offering twin and single family homes starting under $200,000. Reduced property taxes. Newest Model is open.

Laura Minard Ext. 205

$249,500

Fantastic 2 story contemporary on 2.78 acres. 3 bedrooms & 2.5 baths with a first floor master bedroom. Den on second floor could be modified to a fourth bedroom.

Diana Raymond Ext. 207

$269,500

Lovely well maintained home with large rooms for family & friends. Well applianced kitchen w/ quality cabinets & corian counters, hot tub, 4 season room.

Gloria Rocci Ext. 217

Ext. 202

Frankfort

$164,500

Beautiful ranch on 6 acres w/pond, 3 BR/2BA, attached oversized double stall garage, country setting. Affordable taxes.

Scott Kelley Ext. 242

Marcy

$100,000

A great buy & huge upside potential with TLC on this 3 BR 1,863 sq/ft ranch! Bright kitchen, hardwoods, Whitesboro schools, priced to sell!

Richard Parent

Utica

Ext. 203

$69,900

New roof!! Brand new gleaming hardwoods!! Beautifully maintained home, priced to sell. Must see!!

Ext. 211

$135,000

New Hartford

$94,500

Immaculate 3 bed/1bath ranch. Updated carpeting, appliances, tankless water heater, vinyl sided with new windows. Affordable in the New Hartford School District.

Scott Kelley Ext. 242

Deerfield

$202,000

Exceptionally well maintained home. Opper Kitchen w/island & appliances, formal dining, living, family room w/stone fireplace.

Spacious bedrooms, multi level deck.

Laura Minard Ext. 205

Whitesboro

$129,900

3 BR’s, huge living Rm, for. D/R, sun room, Lg. F/R with gas fireplace. Updated kitchen with newer appliances, over 1,500 square feet to call your own. Great location.

Kathy White Ext. 215

New Hartford

$84,900

Looking for key updates?.....stop here!

Gorgeous kitchen, new windows & furnace, pride of ownership throughout, absolutely a move in!

Richard Parent Ext. 203

Utica

$25,000

Reduced to sell Can be packaged with 1123 Dudley & 1128 Neilson. Each floor has 3 bedrm 1 bath. Needs cosmetics only.

Pat Townsend

Ext. 218

New Hartford

$127,500

Cape style home with 4 bedrooms, hardwood floors, newer kitchen cabinets and appliances, den addition and fenced yard.

Gaetano Belmonte Ext. 202

Utica

$80,000

Convenient location! This 3 bedroom ranch features a full basement, central air, hardwood floors and 1.5 baths, plus a 2 overhead garage.

Lisa Filletti Ext. 206

Utica

$25,000

Reduced. Can be packaged with 1101 & 1128 Neilson. Lge 1 family that was converted from a 2 family. Special use room on second floor.

Pat Townsend Ext. 218

Utica

$117,000

Spacious Well Kept Home! Brick fireplace in living room, 3 BR’s, hardwoods, 1st flr. laundry. Bsmt. level has kit.,BR, & BA. Great for college kids or in-laws. Double lot.

Gloria Rocci Ext. 217

East Utica

$73,000

Strong curb appeal in this spacious E. Utica 2 family home, let your rent pay your mortgage! Separate utilities, 3 Br’s each apt.

Richard Parent Ext. 203

North Utica

$129,000

3 BR ranch on corner lot. Freshly painted interior, updated bath, new carpeting. 3 car heated garage with work bench.

Pat Townsend Ext. 218

January

Yulanda Robinson

Marcy

Spacious ranch on 3/4 of an acre of land. Walk up attic great for storage or expansion. Hardwoods throughout under carpeting. One owner property.

Debbie Roberts Ext. 239

■

www.ColdwellBankerPrime.com

into Your Smartphone: OR Go to our Mobile Platform: m.Coldwellbankerprime.com

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9

L i f e and H o m e s

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Marcy

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$99,900

Wow! Located in Adirondack Park. Groomed snowmobile trails, x country skiing, 4 wheelers. 6 Acres. Great for horses.

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$149,900

Russia

$550,000

Wow!! Fabulous space in this over sized split level. 2700 Sq. Ft. of open floor plan. Offers lots of options. Fireplace.

Great deck to private yard. Freshly painted.

Linda Peters

Associate Broker Cell: 315-527-1252 Email: LindaAPeters@gmail.com Popular neighborhood in Marcy, with easy access everywhere. One owner 3 bedroom 2bath ranch. Deck, 2 stall garage with pull down attic. Open floor plan.

Steuben

$295,000

Once in a lifetime. Miles of views. Penn Mt groomed trails. Pasture, barn and access to horse trails. Private 15 acres. More land available. Foothills of Adirondacks

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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 .

Open Market Listing Service™ Ava

LifeandHomes.com Clinton

$5,000

$169,900

9551 Mullen Hill Road

4 Old Boorne Drive

215 Acres • $5,000 - $25,000 per Acre

3 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42415

Oneida County - FSBO

Clinton Real Estate

Phyllis Goworek • 315-335-2745

Barbara Frank • 315-853-4400

FSBO • 0@0.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

Chadwicks

Licensed Mortgage Banker NYS Banking Dept

Clinton

$177,500

$285,000

3590 Oneida Street

8179 Kellogg Street

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41359

For more details visit www.LifeandHomes.com Type in Quick Search #41867

Hunt For Homes

Clinton Real Estate

Jean Hunt • 315-725-4700

Barbara Owens • 315-853-4400

Broker/Owner • JeanHunt1@adelphia.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

Clark Mills

Licensed Mortgage Banker NYS Banking Dept

Clinton

$129,900

$729,900

4705 Clinton Street

21 Chestnut Street

3 Bedrooms / 1.5 Baths

5 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41986

For more details visit www.LifeandHomes.com Type in Quick Search #41984

Clinton Real Estate

Clinton Real Estate

Barbara Owens • 315-853-4400

Barbara Owens • 315-853-4400

Associate Broker • info@barbaraowens.com

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

Clinton

Licensed Mortgage Banker NYS Banking Dept

Clinton

$439,900

$104,900

76 College Street

7841 Kellogg

5 Bedrooms / 2.5 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42414

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

Clinton Real Estate

Coldwell Banker Prime Properties

Barbara Frank • 315-853-4400

Jodie DeCosty • 315-723-8554

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

Lic RE Associate Broker • jodiedecosty@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

Constableville

$289,900

$99,900

30 Fountain Street

3708 Sweeney Road

2 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42295

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

Clinton Real Estate

Barbara Dunn Realty

Barbara Frank • 315-853-4400

Barbara Dunn • 315-337-1677

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

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Laura Minard

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

800-432-8669 www.SuperiorPlusEnergy.com

KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com www.Life and Homes .com

11

L i f e and H o m e s

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

Bill Lake Homes

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

■

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

featuring

January

KD Homes

Coldwell Banker Prime Properties

newsShorts

Don't Overlook These Tax Breaks On Your 2010 Return Every year, taxpayers miss out on hundreds or thousands of dollars in tax breaks simply because they don't know the benefits exist.

"Figuring out what tax breaks are available, whether you qualify, and what forms you need can be tricky," says Jessi Dolmage of TaxACT, makers of tax preparation software. Dolmage offers some tips for taking advantage of commonly missed deductions and credits: * If you paid for child care in 2010, you may be eligible for the Child and Dependent Care Credit. Day care, pre-kindergarten, before-school and after-school programs and summer day camp for children 13 or younger qualify. The care must have been provided so that you, and your spouse, if filing jointly, could work or look for work (exceptions apply for full-time students and the disabled).

L i f e and H o m e s

■

Central New York

The credit amount varies based on filing status and adjusted gross income, but the maximum benefit is 35 percent of expenses for joint filers with an adjusted gross income of $15,000. Eligible expenses are reduced by dependent care benefits provided by your employer that you deduct or exclude from your income. Payment for care cannot be paid to a spouse, a dependent on your return, or to a child who will not be age 19 or older by the end of the year even if he or she is not your dependent; thus, care provider(s) must be identified on your return. * 2010 is the last year to claim the Nonbusiness Energy Credit, worth up to 30 percent of the costs for many energy-efficient home improvements. Up to $1,500 for 2009 and 2010 combined can be claimed, but only for the year during which the improvements were made. Other green improvements like solar hot water property, geothermal heat pumps and wind energy property may qualify for the Residential Energy Efficient Property Credit. * If you travel in order to provide services at charitable events, you may be able to take a miscellaneous deduction. Deductible expenses include transportation costs, out-of-pocket expenses for your car, taxi fares or other costs of transportation between the airport or station, and your hotel, lodging and meals. The trip should include little to no personal recreation or vacation. Be sure to keep receipts and detailed documentation.

12

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

* Be rewarded for contributing to your employersponsored retirement plan or an individual retirement arrangement (IRA). The Retirement Savings Contributions Credit is worth up to $1,000 for taxpayers born before Jan. 2, 1992 ($2,000 for joint filers). The non-refundable credit is a percentage of the qualifying contribution amount minus distribution amounts, with the highest rates given to lower incomes. * If you spent money looking for a job in the same field during 2010, you may qualify for a miscellaneous deduction. Employment agency fees, resume printing and postage costs and travel to and from the area (if the travel was primarily to look for a new job) are eligible. You aren't eligible if you're looking for your

first job or there was substantial time between the end of your last job and the time you looked for a new one.

"Affordable, do-it-yourself tax software and online solutions make getting all your credits and deductions easy and fast," Dolmage says. "The program walks you through each credit and deduction, and completes the necessary forms. Solutions like TaxACT also guarantee your biggest refund and make getting every credit and deduction you deserve easy."

Details about these and other 2010 tax breaks can be found at www.irs.gov. TaxACT Free Federal Edition, available at www.taxact.com, guides you through these tax benefits, and allows you to prepare, print and e-file your federal return free. (ARA)

FREE

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Spotlight on our Talk Radio Shows • Home Business Show - Successful entrepreneurs working from home • Home improvements Show - Design and technology that enhances our lives • Home Buying and Selling Show - Tip and tricks for a difficult real estate market • Lifestyles at Home - Birthdays, Holidays and Special Events

Radio & Talk

listen live or log On anytime at www.lifeandhomes.com - Click on Talk Radio

Open Market Listing Service™

LifeandHomes.com

Constableville

$127,000 3706 Sweeney Road / 15 Acres

Ilion

3 Bedrooms / 1.0 Baths

Restaurant or Office

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

For more details visit www.LifeandHomes.com Type in Quick Search #41760

$89,000 161 Second St - Commercial

Barbara Dunn Realty

Dominion Homes

Barbara Dunn • 315-337-1677

Amy Abdoo • 315-794-2653

Broker/Owner • dunrealt@aol.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

Dolgeville

Licensed Mortgage Banker NYS Banking Dept

Ilion

$135,000

$128,900

83 South Main Street

44 South Fourth Ave

4 Bedrooms / 1.0 Baths

Open House • Jan 9 • 1pm - 3pm

For more details visit www.LifeandHomes.com Type in Quick Search #42440

For more details visit www.LifeandHomes.com Type in Quick Search #42065

Bruce Ward & Company

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

Leslie Nicolette • 315-985-0212

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

Lic. R.E Salesperson • dnicolette@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

Eaton

Licensed Mortgage Banker NYS Banking Dept

Ilion

$33,900

$18,900

5767 Mill St

174 Otsego St.

3 Bedrooms / 1.0 Baths

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41933

For more details visit www.LifeandHomes.com Type in Quick Search #41581

Dominion Homes

Dominion Homes

Amy Abdoo • 315-794-2653

Amy Abdoo • 315-794-2653

Broker/Owner • blon316@aol.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

Floyd

Licensed Mortgage Banker NYS Banking Dept

Lee

$285,500

$118,500

7615 Oakview Terrace

6319 Meadow Drive

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41868

For more details visit www.LifeandHomes.com Type in Quick Search #42326

Gladys Winterton • 315-334-1046

Tony Abone • 315-339-2222

Clemens-Beckley Real Estate

RE/Max All Pro

Lic. R.E Salesperson • GLADYSWINTERTON@YAHOO.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

Herkimer

Licensed Mortgage Banker NYS Banking Dept

Lee

$58,000

$295,000

355 King Street

6420 Emerald Circle N.

3 Bedrooms / 1.5 Baths

4 Bedrooms / 2 Full Baths/ 1 Half Bath

For more details visit www.LifeandHomes.com Type in Quick Search #42426

For more details visit www.LifeandHomes.com Type in Quick Search #42438

Leslie Nicolette • 315-985-0212

Tony Abone • 315-339-2222

Bruce Ward & Company

RE/Max All Pro

Lic. R.E Salesperson • dnicolette@twcny.rr.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

Licensed Mortgage Banker NYS Banking Dept

Customer Service

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

(315) 733-0463

www.Life and Homes .com

13

L i f e and H o m e s

315-334-1046

1

#

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420 N. Washington St. Rome, NY 13440

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

January

Clemens-Beckley Real Estate, Inc.

LifeandHomes.com Madison

Open Market Listing Service™ New Hartford

$18,900

16 E. Lake Rd.

25 South Hills Drive

Building Lot • 5+ Acres

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41900

For more details visit www.LifeandHomes.com Type in Quick Search #42191

Dominion Homes

New Nest Realty

Amy Abdoo • 315-794-2653

Amy La Clair • 315-790-4153

Broker/Owner • blon316@aol.com

Broker/Owner • info@newnestrealty.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

Marcy

$299,900 Buckland Estates - New Construction

New Hartford

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #42439

Prudential J.R. Carucci Real Estate

Buck Construction • 315-736-0865

Christine Ossont • 315-733-0463

Contractor/Developer • alyssabuck@buckconstruction.net

Realtor • cossontre@earthlink.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Montague

Licensed Mortgage Banker NYS Banking Dept

Oneida

$72,000

$299,900

Rector Road - Tug Hill

1855 West Road

2 Bedrooms / 1.0 Baths

5 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42434

For more details visit www.LifeandHomes.com Type in Quick Search #42133

Nu-Day Realty

Hunt Real Estate ERA

Virginia Lyndaker • 315-376-7915

Sue Rosendale • 315-374-7451

Broker/Owner • nuday@northnet.org

Lic. R. E. Agent • srosendale@huntrealestate.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

Oriskany Falls

$244,900

$69,000

52 Woodberry Road

Valley View Road

5 Bedrooms / 2.5 Baths

5+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #42142

For more details visit www.LifeandHomes.com Type in Quick Search #42335

Coldwell Banker Faith Properties

New Nest Realty

Jay Groah • 315-272-3975

Amy La Clair • 315-790-4153

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

Broker/Owner • info@newnestrealty.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

Remsen

$184,900

$45,000

307 Higby Road

Starr Hill - Prime Acreage

3 Bedrooms / 2.5 Baths

15 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #42017

For more details visit www.LifeandHomes.com Type in Quick Search #42445

NeuDot Realty

Oneida County - FSBO

Dorothy Neumann • 315-527-3542

Al Lindsey • 270-977-8555

Broker/Owner • neu.dot@gmail.com

FSBO • arl@lindsey-family.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

Licensed Mortgage Banker NYS Banking Dept

Advanced Home Inspection Service LLC

15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester

■

L i f e and H o m e s

$127,900

13 Bohling Road

Buck Construction

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

Professional & Courteous Real Estate Services

NAHI

Don Archer

NRPP

Call 315-792-9029

http://www.advancedhomeis.com 14

$185,000

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 .

Effective & Affordable Advertising

Print • Online • Radio • TV & Video

315.865.5845

David@LifeandHomes.com

media

“Trust in the Lord with all your Heart.” Prov. 3:5

340 Main Street Oneida, NY 13421

HUNT Real Estate Corp. invites you to celebrate our 100th year in business - Proudly assisting thousands of families with all of their real estate & homeownership needs.

315-363-5533 Ryan Kirch

Licensed R.E. Salesperson Hunt Real Estate ERA

Cell: 315-264-4198 Office: 315-363-5533 Email: ryan.kirch@huntrealestate.com

Rome

$114,300 Camden

This spacious ranch offers a large cherry eat in kitchen and formal dining room, open to a spacious living room with a wood burning fireplace.

$199,900 Vienna

This three bedroom, 2 bath ranch home is move in ready, offers a family friendly layout, large rooms, an eat in kitchen with a breakfast bar, a finished basement with a dance floor!

D XE MI

Camden

$137,500 Rome

Charming 2 story on five acres! Offers 3 spacious second floor bedrooms, and a 10x12 bedroom/ den or office on the first floor. A large eat in center island kitchen w/ breakfast nook.

$77,900 Camden

Home offers beauty and detail you can’t find for the money! The woodwork, colums , original fixtures and hardware will take you back in time, the entry will take your breath away .

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

Nearly New

Magnificent large ranch, 3 bedroom 2 bath, living room and family room with fireplace, all appliances, great corner lot! $79,000

$163,000

Contemporary style home with 3-4 bedrooms, 2.5 bathrooms, first floor laundry, a great kitchen with breakfast bar open to the family room, serving window to the dining area.

Annsville

$269,900 Camden

This 4 bedroom 2 bath home has a lot of extras to offer, with 10 private ares, 650 ft of waterfront on florence creek tree house with electrical service and inground pool!

$139,500

Operate your own business and let the tenants pay for the building, or invest in your future!

The first floor is a large office space, set up for a podiatrist.

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment New Homes on Display from $72,000!

New Home - Now on Display

This new 3 bedroom 2 bath home has it all - fireplace, all kitchen appliancesenergy star. Located on a pretty high lot. $72,500 Financing Available

New Listing

Very Nice 2 Bedroom 2 Bath Ranch, Dense Woods in Back, Central Air, Deck, All Appliances, New Roof, W/D Negotiable. Come See. $41,900

Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $52,000 www.Life and Homes .com

15

L i f e and H o m e s

D

CE

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Near New

Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan.

Owner Anxious. $59,900 $54,900

January

R

New Listing

E US

20,000 Rome

This corner building lot is located in a quiet neighborhood, close to parks, shopping, library and schools. Located on a designated snowmobile trail.

U ED

Large 3 Bedroom, 2 Bath Ranch. Central Air, Backs Up to Woods, Fireplace, Large Deck. $40,000

$265,000

Scenic paradise, enjoy natural light and views of nature from every room. This 3,543 square ft. Log mansion on 25.81 Acres is an amazing buy!

Average Home

Days On Market: Yorkville $149,900

2353 Douglas Ave Welcome home to this beautiful raised ranch in an always-popular neighborhood on a private dead-end street! a

,900 Westmoreland $299

6451 Bartlett Rd accessible model Fantastic wheelchair-lt for incredibly home designed & buidern twist! easy living with a mo

Sylvan Beach $89, 900

Central New York

7334 Lakeshore Drive Nice open floor pla n with great outdoor living, a lakeview dec k, new roof, water heater, huge fireplace.

$94,900

3 0 Days

www.GetP ackingCN

Y.com

73 Prospect Street An instant classic, this bea ates the warmth & charm utiful home radiof a bygone era.

New Hartf ord $ 244,90 0

0 Bridgewater$169,90

9706 US Highway 20 custom chalet priAbsolutely delightful 14 acre outdoor vately situated on a this home! love ’ll You d! oun playgr

Floyd $65,000

7404 Camroden rd e w/ lrg bedrooms, 3Bd 1ba, 2 story homlot and more! newer windows, acre

52 W Absoluoodberry rd colonialtely beautiful ov that rad iates wersized woodb armth a e nd charrry m!

South Utica $89,900

2011 Sunset Ave remodeled 3 bed Absolutely stunningst-See interior!

2 ba bungalow! Mu

Jorda n Guy Operations

FAITH PROPERTIES

The Jay Groah Team

â–

L i f e and H o m e s

Utica

94

Our DOM :

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

Coldwell Banker Faith Properties

November Stars

2306 Genesee Street Utica, New York 735-2222

www.CentralNewYork.com FAITH PROPERTIES www.Life and Homes .com

17

L i f e and H o m e s

Jay Groah

â–

Bozena Sroczyk Linda Peters

January

Congratulations to these Top Selling Agents!

SCAMPONE REAL ESTATE 797-7100

WE WISH YOU A PROSPEROUS & HEALTHY 2011

LET US OPEN A NEW DOOR FOR YOU THIS YEAR G TIN

LIS W

NE

EW

N

W

NE

West Utica

$87,500

Totally renovated 5 bedroom, 2 full bath home. First floor laundry, new vinyl windows, GFA furnace. Ready for a new owner. Shows well. Additional adjacent lot included 39x102. New plumbing and wiring. MLS #1004051 ICE

PR

N IO CT RU ST N CO

Oriskany

New Hartford

$249,000

$239,900

Newly Constructed 3 bdrm 2 bth ranch in the Whitetail Meadows development.

Gorgeous brick oven kitchen w/ maple cabinets, LR, DR, breezeway. Completed w/ lawn, driveway, walkway.

Turn key! MLS #1000465 $164,900

This 3 Bedroom, 2 Bath ranch has the best of both worlds.; country living, yet just one mile from the Parkway.

Many recent updates from the kitchen to the family room. Giant bonus room could be used as 4th bedroom.

Frankfort schools. MLS #1003816

South East Utica

$129,900

Updated and maintained property, both inside and out. New driveway, landscaping, fencing, windows & bath. Hardwoods throughout & freshly painted 3 bdrm, 1 1/2 bath in very desireable East Utica location.

Updated furnace & electrical. Well built steel beam construction. Very comfortable living! MLS #1003579

$399,000

Unique English Tudor situated on a private wooded setting. 2760 sq ft of classic style & outstanding craftsmanship.

4 bdrm, 2 full baths, 2 half baths. Updated kitchen & baths, featuring mosaic tiles & stainless appliances. Open LR/DR, great FR w/ FP & beamed ceiling & wet bar.

Mstr suite has gas FP. Avanti sound system throughout. Too many amenities to mention. MLS #911363

South East Utica

Nearly new Country Cape situated on a partially wooded private lot. 1st flr mstr suite, FR w/ FP. Great kit w. brkfst area. Formal ining leads to Trex Decks & enclosed sunporch. 3 more bdrms, bath & attic access on 2nd lvl Finished basement w/ wet bar, ½ bath & office. MLS #1002513

Frankfort

D TE IVA OT

R LE

SEL

M

$240,000

D TE IVA OT

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L i f e and H o m e s

South East Utica

$239,900

Whitesboro

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

Just move in to this immaculate home! Newer windows, roof & siding. New landscaping, new doors, gleaming hrdwds, freshly painted. Possible building lot to the right of property.

MLS #1003562

Ilion

$159,000

East Utica - Commercial $139,900

Over 4200 sq ft of living area in this historical home built in 1864 by the Remington Brothers. Currently set up as a 2 fam, can be 1 fam. Would make a great B&B. Beautiful grounds bordered by Steelcrk on the E. side.

Floor plan can work for so many different needs. Hdwd flrs, sunrooms, spacious, must see! MLS #1003277

Fully equipped turn key tavern currently operating as Salutes, formerly Lasseks Tavern. Completely renovated w/ 2 yr old 20x20 addition, open air kitchen, cathedral ceilings, knotty pine interior w/ skylites. Just needs a new owner.

MLS #1003199

North Utica

North Utica

124,900

Warm sunprch, bright, lrg fr w/frplc, dry bar & built-ins, frml dr, new fully apl kit w/crmc tile. New 1/2 bth, furnace, hwh, ‘enhanced’ hrdwds thruout. Leo kline updted full bth w/transfrbl wrnty.

New 2tier deck. House sits on 3 lots, fenced, backs to woods for privacy.

New lndscpng. Nice property!

MLS #1003525

scamponerealestate.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 .

Stunning contemporary 4 bdrm, 2 bath colonial w/all the extras! Sunken lr w/built in entertainment center & tongue & groove handcrafted beamed cathedral style ceiling. Custom kithen w/10’ granite 2 tiered island. Gleaming hdwds. Too many features to mention in this superb home w/archtectural drama! Situated on a double lot! A must see! MLS #1003563

New Hartford Condo $235,000

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

18

$324,900

Spawling, Renovated 4 bedrm, 3 bath ranch. 3 Fireplaces, Hrdwds, New Windows, Roof, Kitchen & Bath.

Formal LR w/ FP, formal DR. Master bath. Main floor laundry, finished room in basement w/ 3rd fireplace.

Sliders from FR to new deck. Large yard. Most sought after locations!

MLS #1000563

R LE SEL

Frankfort

Popular area. Completely Remodeled, C/A., Modified ranch with beautiful layout & abundant principal rms on main level. Over 2700 sq ft, 4 bdrm, 1 1/2 bths, 1700 sq ft in-law apt on lower level, sep entrc. Amenities galore, massive rooms, formal dining, beautiful yard, inground pool & so much more! MLS #200800287

■

Central New York

South East Utica

$219,000

$114,900

Unique 2 bedrm, 1 bath ranch in great area. Has many updates; kit, vaulted LR w/ FP, vaulted DR, Vaulted master bedrm. Beautiful hardwoods throughout & ceramic in kit. Newer windows, CA, fenced yard, large shed, 1½ stall garage & lge front deck makes this a wonderful turn key home MLS #1003218

D TE IVA OT

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SEL

Open Market Listing Service™

LifeandHomes.com

Remsen

$298,000 10040 Bardwell Mills Road

Rome

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42090

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

Anthony Fumarola • 315-732-3456

Maria E. Dailey • 315-336-0433

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$154,000

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$59,500

534 Mill Brook Road

3 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42327

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

Tracy Winterton • 315-335-3843

We Buy/Sell Houses • 315-264-9235

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$62,900

Oneida County Real Estate Investors Investor • phpenterprises@hotmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$106,000

531 Dealing St

8388 Turin Road

2 Bedrooms / 1.0 Baths

1 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42419

For more details visit www.LifeandHomes.com Type in Quick Search #42325

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

Rome

$266,900

RE/Max All Pro

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$109,900

8105 Pine Brook Lane

211 E Linden Street

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41026

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

Clemens-Beckley Real Estate Edward Beer • 315-334-1046 • EBEER@TWCNY.RR.COM

RE/Max All Pro

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$79,900 6794 Rt 233 Westmoreland Road

Schuyler

2 Bedrooms / 1.0 Baths

1 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42437

For more details visit www.LifeandHomes.com Type in Quick Search #42418

Hunt For Homes

Jean Hunt • 315-725-4700

Be Sure With Secure

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

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

Barbara Dunn Realty Wishing Everyone a

Healthy, Happy and

Prosperous New Year!

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

19

L i f e and H o m e s

www.Securehomeinspections.com

Dominion Homes

Licensed Mortgage Banker NYS Banking Dept

■

PH: 315 859 1778

Well flow/ septic dye/ water purity testing Complete interior, exterior, and grounds inspection

Amy Abdoo

Low Mortgage Rates • Homestead Financial 315-768-1980

January

Pre-purchase Residential Inspections Helping the perspective home buyer with a quality home inspection 40 years experience in the building industry - 12 years experience inspecting homes in New York State Lic# 16000003057 certified Inspector

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

Licensed Mortgage Banker NYS Banking Dept

Secure Home Inspections

$52,500 3443 Route 5 (Herkimer Rd)

Anthony Fumarola • 315-732-3456

Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Cell: 315 542 4622

406 W. Oak Street

6559 Elmer Hill Road

1St. Rome Realty

Dominick M Tofolo Jr.

$305,000

LifeandHomes.com Sherrill

Open Market Listing Service™

$179,900

3 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42444

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

Sue Rosendale • 315-374-7451

Steve Ruscitto • 315-762-4488

Lic. R. E. Agent • srosendale@huntrealestate.com

Licensed Mortgage Banker NYS Banking Dept

Stanwix

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sylvan Beach

Salon - Income Potential

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42079

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

Jill Shafer • 315-334-1046

Steve Ruscitto • 315-762-4488

Lic. R.E Salesperson • JILLEATON2@HOTMAIL.COM

$69,000

503 16th Ave Seller Financing

Oneida County Real Estate Investors Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Steuben

$295,000 10403 North Steuben Road

Turin

3 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42449

For more details visit www.LifeandHomes.com Type in Quick Search #42436

Linda Peters • 315-527-1252

Virginia Lyndaker • 315-376-7915

Coldwell Banker Faith Properties Lic R.E Associate Broker • LindaAPeters@gmail.com

Licensed Mortgage Banker NYS Banking Dept

Steuben

$75,000 4004 MacKey Road - Tug Hill

Nu-Day Realty

Broker/Owner • nuday@northnet.org

Low Mortgage Rates • Homestead Financial 315-768-1980

$219,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$119,750

10108 Starr Hill Road

29-35 Devereaux Street

4 Bedrooms / 2.0 Baths

Drive-thru Bank

For more details visit www.LifeandHomes.com Type in Quick Search #42347

For more details visit www.LifeandHomes.com Type in Quick Search #42213

Jodie DeCosty • 315-723-8554

Maria E. Dailey • 315-336-0433

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

Licensed Mortgage Banker NYS Banking Dept

Stratford

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

Low Mortgage Rates • Homestead Financial 315-768-1980

$235,000

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

167 Avery Road

$78,000 1601 Brinkerhoff Ave - 2 Unit

4 Bedrooms / 1.0 Baths

8 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42450

For more details visit www.LifeandHomes.com Type in Quick Search #42442

Debbie Sicilia • 518-495-5770

Kim Perry • 315-723-6340

Kinship Properties

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

Licensed Mortgage Banker NYS Banking Dept

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.

PUBLIC NOTICE ONEIDA & MADISON COUNTY NY We publish a FREE Water Quality Report.

To use this free public resource, visit the website.

http://Safer-Homes.CyberVillage.com Or Google: Safer Homes CyberVillage

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

Buyer’s Realty Group

Lic. R. E. Salesperson • k.perry9767@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Oneida County Real Estate Investors

$98,000 6851 Rome Oriskany Rd - Commercial

Clemens-Beckley Real Estate

■

Seller Financing

Investor • steve@cnyres-q.com

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

$67,000

1314 Vienna Rd

Hunt Real Estate ERA

20

Sylvan Beach

304 W Hamilton Ave

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Open Market Listing Service™

LifeandHomes.com

Utica

$24,900 1120 Schuyler - Multi Family

Utica

4 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

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

For more details visit www.LifeandHomes.com Type in Quick Search #41842

$15,900

152 Country Road

NeuDot Realty

Prudential J.R. Carucci Real Estate

Dorothy Neumann • 315-527-3542

Gene Primarolo • 315-723-8462

Broker/Owner • neu.dot@gmail.com

Lic. R.E Salesperson • genop67@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

Utica

$74,900 1635-1637 Holland Ave - 2 Family

Vernon

6 Bedrooms / 2.0 Baths

3+ Acres

For more details visit www.LifeandHomes.com Type in Quick Search #42343

For more details visit www.LifeandHomes.com Type in Quick Search #42052

Cooper Street

Oneida County - FSBO

New Nest Realty

Rick Andrew • 315-534-0555

Amy La Clair • 315-790-4153

FSBO • rickjandrew@gmail.com

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$28,000

Licensed Mortgage Banker NYS Banking Dept

Vernon

$209,900

$169,000

North Utica

6 Black Ave East

2 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33997

For more details visit www.LifeandHomes.com Type in Quick Search #41694

Buck Construction

New Nest Realty

Buck Construction • 315-736-0865

Amy La Clair • 315-790-4153

Contractor/Developer • alyssabuck@buckconstruction.net

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

QSN#42443

Licensed Mortgage Banker NYS Banking Dept

QSN#42087

QSN#42417

“The Key to your front door”

Rome

$59,900

Rome

$39,900

535 W.Embargo St 3 Bedroom, 2 story home. Adorable starter.

Large kitchen. Front porch and covered patio in back yard. Area for parking. Special use room - additional bath? office? exercise room? You decide...but you have to call first!

8680 Gore Rd 3 bedroom 2 bath single wide mobile home located on just less than 1 acre. Nice country setting. Master bed and bath. Cash only sale, please.

QSN#41379

QSN#42088

Lee Center

$84,900

9174 Sulphur Springs Rd Welcome home to this adorable 3 bedroom cape cod in the Town of Lee. Nice and bright floor plan. Well cared for. Super yard! One stall garage. Full basement. Owner wants offers!

QSN#33888

$57,000

Rome

$87,900

7879 W. Thomas St Owner built 3 bedroom, 1 full bath ranch with plenty of potential. 2 stall attached garage, full basement and large yard. Convenient location.

2 porch areas. Hardwood floors. Kitchen is nice size. Bright family room. Owner wants offers!

Rome

$125,000

6607 Bartlett Rd Approx 34 acres is home to this farmhouse and outbuildings. All buildings need TLC. Nice area. Westmoreland school district. Time to roll up your sleeves and get serious!

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

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

www.Life and Homes .com

21

L i f e and H o m e s

110 Abbe Blvd.

3 bedroom, 2 full bath doublewide is waiting for you! Master suite, fireplace, central air, centrally located, move in condition, open floor plan and a super back deck - need I say more?

337-0841 office 335-6971 cell 337-7973 fax

■

Rome

January

Denise Witchley Lic. Real Estate Broker/Owner

LifeandHomes.com

Open Market Listing Service™

Vernon

$149,900 4966 State Route 26 Rome Rd

Westmoreland

3 Bedrooms / 1.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41934

For more details visit www.LifeandHomes.com Type in Quick Search #42170

Amy La Clair • 315-790-4153

Buck Construction • 315-736-0865

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

$299,900

Westmoreland

$129,900

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42155

For more details visit www.LifeandHomes.com Type in Quick Search #42134

Amy La Clair • 315-790-4153

Sue Rosendale • 315-374-7451

Licensed Mortgage Banker NYS Banking Dept

Verona

$139,900

Hunt Real Estate ERA

Lic. R. E. Agent • srosendale@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitesboro

$147,900

6137 Happy Valley Road

55 Main St

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42441

For more details visit www.LifeandHomes.com Type in Quick Search #41953

Sue Rosendale • 315-374-7451

Rob Savoy • 315-337-2229

Hunt Real Estate ERA

Lic. R. E. Agent • srosendale@huntrealestate.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Waterville

$127,000

Royal Realty

Broker/Owner • info@royal1realty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Whitestown

141 Osborne

$145,500 6973 Rome Oriskany Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42100

For more details visit www.LifeandHomes.com Type in Quick Search #42345

Douglas Lemery • 315-841-8834

Jodie DeCosty • 315-723-8554

Lemery Realty

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

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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

Watson

$65,000 Buck Point Road #4 - Beaver Lake

Whitestown

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42432

For more details visit www.LifeandHomes.com Type in Quick Search #41935

Virginia Lyndaker • 315-376-7915

Amy La Clair • 315-790-4153

Nu-Day Realty

Broker/Owner • nuday@northnet.org

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

Licensed Mortgage Banker NYS Banking Dept

2 Bedrooms / 2.5 Baths

Low Mortgage Rates • Homestead Financial 315-768-1980

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

Jodie DeCosty Lic. Assoc. R.E. Broker

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

■

Contractor/Developer • alyssabuck@buckconstruction.net

Low Mortgage Rates • Homestead Financial 315-768-1980

7547 State Route 5

Broker/Owner • info@newnestrealty.com

L i f e and H o m e s

Buck Construction

4140 Churton Road

New Nest Realty

35 Years Commercial Construction Experience 5 Years Home Inspection Experience PO Box 126, Sherrill, NY 13461

Call 315-363-8074 22

$239,900

6000 Eureka Rd.

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 .

4957 Commercial Drive Yorkville NY 13495 www.ColdwellBankerPrime.com/jodie.decosty Cell: 315-723-8554 Email: jodie.decosty@coldwellbankerprime.com

$85,000 5122 Westmoreland Road

New Nest Realty

Broker/Owner • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

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

(315) 733-0463

1 COMPTON RD., NEW HARTFORD

24 FOXCROFT ROAD, NEW HARTFORD

Beautiful Expanded Cape in one of New Hartford’s Prime Locations on a Private 1 Acre landscaped lot.

Lrg LR, DR, 5 BRs (1st flr Mstr/Bath) & 4 Full Baths.

Exquisite Hdwds, Library, Steam shower, Wine Cellar, Replacement windows. Great home, Must See! Joan Abend, Assoc. Broker ext. 216

Special 5 Bedroom Woodberry Hills Colonial with many beautiful rooms and flexible room use. Light, bright, quality updates! Huge Master Suite with extraordinary Master Bath. Over 4,000 sq/ft of living space in such a convenient location!

Chris Ossont, Assoc. Broker ext. 104

$354,000

$349,900

MLS#1000553

MLS#1002276

10 WOODLAND VILLAGE, NEW HARTFORD

47 WOODBERRY RD., NEW HARTFORD

Stunning 3 BR, 2.5 Bath, 2,200 sq/ft Home! Totally Renovated Kit. & Baths. Kit w/ Quartz Countertops, Maple Cabinets & New Appliances opens to fireplaced FR w/ bookshelves. Lrg Mstr BR overlooks vaulted LR. Cul-de-sac lot. Bsmt Rec Rm. C/A. Many Updates!

Willinette Cohen ext. 218

Picturesque Woodberry Hills Colonial w/ 4 BRs, 2 Full Baths, 2 Half Baths. Spacious Foyer, Lrg Kit. w/ eating area, Lrg LR & FR w/ bookshelves. 2 fireplaces.

Mud Rm, 1st flr Laundry. Fin Bsmt Rec Rm. Patio, Basketball Ct. Private rear yard backs to woods.

Chris Ossont, Assoc. Broker ext. 104

$249,000

$239,900

MLS#1001919

MLS#1003402

117 CLARION DR., WHITESBORO

219 HIGBY RD., NEW HARTFORD

Outstanding Whitesboro Colonial w/ 4 BRs, 2.5 Baths & mostly hdwds. Lrg LR, FR w/ fieplace, Formal DR, Heated Sunrm, Finished Bsmt w/ Rec Rm & office. Many updates. Double deep 255 ft yard.

Professionally landscaped w/ perennials.

Chris Ossont, Assoc. Broker ext. 104

New Hartford Colonial with 4 Bedrooms, 2.5 Baths. Sauna. Tastefully updated w/ superb décor!

Beautiful Stone Exterior. 2 Car Attached Garage.

Great Convenient Neighborhood & Location!

$219,900

$218,900

217 RAMBLEWOOD DR., DEERFIELD

ext. 104 MLS#1000658

26 SOUTH HILLS DR., NEW HARTFORD

Large 4 Bedroom Ramblewood Estates Colonial.

Open, Bright, Huge Kit.-Eating Area-Family Rm + Fireplace. Lrg LR. Formal DR. Rec Rm. Den/Study.

Boiler 5 yrs old. Roof-5 yrs. Sunrm. Covered Porch. Private fenced yard. Great neighborhood. W’boro Schools.

Chris Ossont, Assoc. Broker ext. 104

$214,900

Chris Ossont, Assoc. Broker

MLS#1003489

Spacious Ranch with spectacular views, 4 Bedrooms, 2 with bath on suite, 3 1/2 total baths, Liv Rm & Family Rm w/ fireplace. Very flexible floor plan, 2 car attached, 1 car detached.

Call 733-0463

$209,000

MLS#1001269

MLS#1002847

34 MEADOWBROOK DR., NEW HARTFORD

96 HARTFORD TERR., NEW HARTFORD

Inviting Ranch with Covered Front Porch, Living Rm w/ firepl., Dining Rm, 2 Bdrms + sm Br/Den on 1st flr, 2 addtl. BRs on lower level. Lrg Family Rm. 2 Stairways. Lrg Garage. Porch. Large Covered Deck.

Pretty 2 or 3 BR, 1.5 Bath Cape in a wonderful New Hartford Village location. Lrg LR w/ hdwds & fireplace. Formal DR. Newer Oak Kitchen. Large Family Rm addition leads to deck. One car attached garage.

Chris Ossont, Assoc. Broker ext. 104

Chris Ossont, Assoc. Broker

$169,900

ext. 104

$144,900

MLS#200900573

MLS#1004038

8169 CIDER STREET, ORISKANY

10 FOERY DR. #106, S. UTICA

Excellent 3 BR Ranch in a very good location.

Replacement windows throughout. New Kitchen. A beautiful home on a nice lot 115 x 181.

Enjoy a 1 BR Mstr Suite Ranch Condo located in a Historical Utica Landmark. 1.5 Baths. Upscale Contemporary & Meticulous! Move-in Condition, Completely Updated. Cen/Air. Security System.

Garage. Must See! Stephen Dellerba ext. 212

Len Pugh, Assoc. Broker

$124,900

ext. 203

$124,900

MLS#1003455

MLS#1003886

Superb Location! Private lot. One floor Ranch Style Home. Approx. 1,000 sq/ft. New Beautiful Bath. New partial roof over garage & 3rd BR. Price reflects home needing TLC. Possibilities for investment property.

Willinette Cohen

Joan Abend, Assoc. Broker

ext. 218

$63,900

MLS#1002334

ext. 216 MLS#1003834

142 COUNTRY RD., SCHUYLER Well cared for mobile home with 2 Bedrooms.

Cathedral ceilings and fresh paint. New furnace and hot water tank. This is located in Strawberry Hills Park, a 55+ park.

Eugene Primarolo

$16,900

www.prudentialcarucci.com

ext. 128 MLS#1002724

www.Life and Homes .com

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L i f e and H o m e s

$74,900

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6403 MALLORY RD., MARCY

Nice 3 Bedroom Country Home with attached 2 car garage, hardwood floors, replacement windows and a 30 x 40 heater pole barn for the hobbyist or a small business.

January

6622 ROUTE 5, WESTMORELAND

#1 Selling Company in Utica, Rome, and 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

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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

JC Pantola

Audrey Johnson

Jenny Carabin

Barb Roberts

Jim Lenahan

Ben Tringo

Bitsy Maye-Rattler Bozena Sroczyk

Susan Martorell

John Brown

Patti Palumbo

Cindy Major

Judy Hinman

Cliff Ganey

Deborah Hapanowicz

Keith Schuderer

Bert McCumber

Derby Family

Kelli Inserra

Diane Lockwood

Linda Peters

Henri Abiyaghi

Lori Hamlin

Ismail Yildirim

Lori Scalise

Jay Groah

Michelle Faga

Marcia Archibald Pauline Nicoterra

Veronica Coe

Rick Rodio

Susan Bradley

Rosemarie Costello Brandon Borowiec

735-8515

Campion-Weeks New Hartford

$349,000

Fabulous, custom 4 bd, 3.5 bath home. Approx 300 s/f, finished basement, FR,DR, loft, great kit, att double gar, inground pool.

MLS#1004000 www.Campionweeks.com 735-8515

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

Southeast Utica

$259,900

Gorgeous Dutch Colonial with beautiful cherry kit, solarian breakfast area, DR, FR, study, 5 BRs, 3.5 baths. 3 car gar. Inground pool.

MLS#912864 www.Campionweeks.com 735-8515

Sauquoit

$214,900

Well appointed 4 BR, 2.5 bath colonial.

Applianced kitchen, DR, FR, HW floors, 2 car garage.

MLS#1002191 www.Campionweeks.com 735-8515

New Hartford

Azza Diorgi

Mark Canter

Susan Alberico

Caroline Marino

Sam Vedete

Vera Sadallah

Adeline Griffiths

Alice Donnelly

$219,000

Gracious 4/5 BD split level on quiet cul-desac. FR, DR, 2 full & 2 half baths, 2 car garage.

Woodmode kitchen, newer baths.

MLS#1002641 www.Campionweeks.com 735-8515

Anne Hameline Anthony Desarro

Brett Lojewski Carla Dochterman

Whitesboro

$279,900

Exceptional, 5 yr old 4 bedroom, 2.5 bath colonial. Stunning kitchen, DR, FR, office.

Large deck, double garage.

MLS#1003256 www.Campionweeks.com 735-8515

Whitesboro

$159,900

Gorgeous village home. 3 BDs, 1.5 baths, FR, DA. Totally redone. Pool, lge 2 car garage w/ party room & hot tub above.

MLS#1002608 www.Campionweeks.com 735-8515

Central New York

Yorkville

$149,900

New Hartford

$234,000

Beautifully maintained 3 BD, 2 bath ranch. DR, FR, 2 car att garage. New roof. Wooded yard.

MLS#1003996 www.Campionweeks.com

Yorkville

735-8515

$197,500

Fabulous 1900 s/f ranch with patio overlooking golf course. 3 BDs, 3 baths, FR, DR, attached garage.

MLS#1002966 www.Campionweeks.com 735-8515

South Utica

$92,500

Great 5 bedroom ranch with 2.5 baths, DR, FR, 2 car attached garage. NY Mills schools.

Updated 3 bd colonial. Modern kitchen, DR, 1.5 baths. Fenced yard. Garage.

MLS#1003926 www.Campionweeks.com

MLS#1002426 www.Campionweeks.com

South Utica

735-8515

$88,000

Nice 2 story with newer roof & furnace. Formal DR, 1st floor laundry, fenced yard.

735-8515

$79,900

Spacious, vinyl sided 3 bedroom ranch.

Sunroom, large kitchen, oversize garage.

Many updates.

MLS#1001730 www.Campionweeks.com 735-8515

$194,500

Great home with spacious master suite. 3 bedrms, 2.5 baths, DR, fireplace, 2 car att garage. Park-like yard.

MLS#1002195 www.Campionweeks.com 735-8515

New Hartford

$149,900

Easy to maintain a 3 bd, 2.5 bath townhouse.

FR, freshly painted, all appliances. Garage.

Possible owner financing.

MLS#1003538 www.Campionweeks.com 735-8515

New York Mills

$119,900

Immaculate, 1 owner 3 BD ranch. Sunroom, attached garage. New carpets, HW floors, full basement. Freshly painted interior.

MLS#1003060 www.Campionweeks.com 735-8515

Whitesboro

$69,900

Nicely priced 3 bd village home. DR, den, sunporch. Garage.

MLS#1003941 www.Campionweeks.com

735-8515

Barneveld

$149,900

4 bd, 2 bath raised ranch in cul-de-sac. Many updates including kit & baths. New roof, generous back yard. 2 car gar. Owner looking for offers.

MLS#1002209 www.Campionweeks.com 735-8515

Rome

$129,900

Immaculate 3 bedroom, 2 bath ranch. Dining area, finished basement. Attached garage.

MLS#1003737 www.Campionweeks.com

New Hartford

Carole Owen

Dave Malozzi

Kim Johnson

Linda Cavalier

Linda Kuzniar

Luis Montero

Marilyn Valvo

$148,500

Wonderful, spacious 3 bedroom, 2 bath brick ranch. Updates, FR, attached garage. Westmoreland schools.

MLS#1003582 www.Campionweeks.com 735-8515

Whitesboro

Carol Chiarello

MaryBeth Roberts Michael Grassi

735-8515

$89,900

Wonderful farm house with approx 3200 s/f of living space. FR, DR, in-law apt. 4/5 bedrms, 2 baths. 2 car garage. Price Drastically Reduced!

MLS#912433 www.Campionweeks.com 735-8515

Pat LoGuidice

Paul Durrigan

Rosemary Nicotera

Ruth Fanelli

Sabrina Arcuri

Tom Conte

Tom Mazzotta

Wade Evans

Jerry Orsaeo

Jonathan Smoulcey

L i f e and H o m e s

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MLS#1001143 www.Campionweeks.com

Whitesboro

735-8515

Whitesboro

East Utica

$62,900

Well maintained 3 family w/ separate utilities.

Some updates, parking. Excellent investment.

MLS#1001795 www.Campionweeks.com

26

735-8515

West Utica

$69,900

East Utica

$65,900

Well maintained 3 bedroom, 1.5 bath home. Large kitchen, DR, Home Warranty.

Spacious, vinyl sided 4 BD, 2 bath home.

Updated kit, baths, roof & some windows.

MLS#1002035 www.Campionweeks.com

MLS#1002722 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

West Utica

$64,500

Nice 4 BD, 2 bath home. Large LR, DR. Updated windows, siding, roof etc. 2 car garage.

MLS#1003535 www.Campionweeks.com

735-8515

January â–

www.Life and Homes .com

27

L i f e and H o m e s

MVLS#41784

Kinship Properties Two Locations to Serve You! St. Johnsville, N.Y. 518-568-2776 315-429-9750 NEW! Dolgeville, N.Y. www.KinshipProperties.com

FEATURED PROPERTY

Salisbury

Stratford

$235,000

Fort Plain

Ephratah

$109,900

St. Johnsville

Beautiful acreage (83.5 acres) with 2 streams & 2 ponds, quad trails, barn, Christmas trees, apple tree, 2 stall attached garage. Land goes back to state land, great for hunters, snowmobilers, horse farm.

Call Debbie Sicilia 518-495-5770

$185,000

A beautiful single family home in a country setting w/ 3 acres of land, fenced in play area for children and a great view of the valley.

Plenty of room, an open floor plan, 2 full baths, skylights and a finished basement.

Call Bob Snell 518-321-9897

$495,000

A SNOWMOBILER AND NATURE LOVER’S PARADISE! Previously known as Pine Ridge Ski Area. This magnificent 3bdrm and 1 bath log cabin is located on 200 picturesque acres. Spacious land features open cross country and snowmobile trails that run throughout property and have adjoining trails that you could ride forever.

Call Heidi Mouyos 315-717-7269

A beautiful farmhouse, renovated from top to bottom. This home is a Horse Lovers Dream, with 1.8 acres, 595’road frontage, a 2 stall garage with workshop & loft, great hunting, snowmobile/4- wheeler trails close by Call Debbie Sicilia 518-495-5770

$89,900

A beautiful single family home in a nice residential neighborhood. This home offers 3 bedrooms, a large kitchen, an open living room, lots of natural woodwork, replacement windows throughout, a 4-year- old furnace and central air.

Call Bob Snell 518-321-9897

From our family to yours we wish youRealtor a Merry Christmas anded Happy New Year. & Certifi Home Stager Cindy K. Lazzaro

Central New York

John Brown’s Team Coldwell Banker Faith Properties 2306 Genesee Street Utica, NY 13502 CK.Lazzaro@gmail.com 315-735-2222x30 Office • 585-317-1056 Cell

Oneida

414 Oxford St.

$134,900

3-4 bedroom home with 2 baths, lovely home recently remodeled within

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Feature Home

last 2-3 years. A great family home with fully fenced back yard that has a great patio, new decking and more. Laundry on first floor. Nice quiet neighborhood

28

Thelma Chase

within walking distance to everything. this says WELCOME HOME like no other!

Associate Broker

Wonderful Family Home Just For You! 4 Bedrooms! Great Location! Call Today!

Don Kingsley Real Estate 315-363-5464 thinkthelma@twcny.rr.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 .

mortgageCorner

How To Identify

Mortgage Fraud Activities Mortgage fraud is a word describing a broad variety of criminal activities with the intention to misrepresent or omit data on a mortgage loan application to obtain a loan or a huge loan amount. In the courts, it’s prosecuted as wire fraud, mail fraud, bank fraud and money laundering with up to thirty years imprisonment.

Because of the increasing fraud in the past few years, some states have also started to enact their own penalties for this crime. Here are some examples of a mortgage fraud: Undisclosed kickbacks like putting up a deal with a seller to give you cash or a check across the table to get brand new roof and also the lender isn’t aware of it because it’s not disclosed on the purchase contract; addendum or the estimate closing statement, then it is considered as a mortgage fraud.

If a borrower without a down payment borrows a down payment from the seller in exchange of giving a seller a silent second mortgage, which is not recorded and hidden from the mortgage lender.

Some dishonest borrowers without an earnest cash deposit can state in the contract that the deposit was paid outside of escrow.

Lying on your real estate loan application, even tiny items could constitute a fraud.

Nevertheless, many borrowers a hedge a little here and there usually because they do not know better or perhaps even worse, since the real estate professional suggested the idea.

If a real estate person approaches you and ask you to be a part of a mortgage fraud scheme, and if you suspect any mortgage fraud, be sure to report it to authorities immediately. Remember that if a deal that sounds too good to be true is possibly a scam.

Furthermore, bear in mind that a mortgage fraud is a prosecutable crime and is against the law. If you have the suspicion that you are being asked to be a part of it or urged to break the law, inform a reputable real estate attorney or the licensing authority in your state before you move forward with your plans.

Mortgage fraud is a growing crime rate that’s threatening to hurt land owners, businesses and also the economy as well. Protect your home and its equity and avoid falling victim to fraudulent activities by identifying and knowing the signs of mortgage fraud. Be sure to know how to report fraud to your state or the federal authorities so that they can stop scam artists from preying on innocent people.

Article by Molly Friess Real Estate, Prudential Jack White R.E. (Article provided by Uberarticles)

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

Falsifying employment earnings by inflating their income above and beyond the W-2. In other words, intentionally making false entries on income received each month.

Financial Services, Inc. 315-404-5253 Mortgage Originator

Licensed Mortgage Banker • NYS Banking Department

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

Adam Hearty

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If you have two purchases and send the false contract with the higher value sales to the mortgage lender with the hope of acquiring a better appraisal.

January

Down payment gifts you have to repay. Both parties, the recipient and giver commit loan fraud if the gift is to be repaid since gifts can’t be repaid.

Home Service network

Exclusive Members That Have Shown Exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Heating

Builders ADIRONDACK BUILDERS 315-942-4949 Log Homes, Basements, Custom Kitchens, Member Since 08/09

Additions, Carpentry. General Contracting.

Electrical Work. Log Homes, Basements, Custom Kitchens, Additions, Carpentry. General Contracting. Electrical Work.

MOHAWK HOME COMFORT SERVICES 800-432-8669 Heating Oil, Kerosene, Diesel, Gasoline & Member Since 09/07

Member Since 09/07

tion System on the Market.

Energy ENERGY & INSULATION SOLUTIONS 315-285-5074 Serving all of the North Country. From the Member Since 04/10

takes” to ensure that you are thrilled with your new system and energy efficiency.

Home Inspection HOME PRO HOME INSPECTIONS Professional & curteous service -certified & 315-768-6823 315-723-2258 insured. Inspections for buyers & sellers include: Member Since 11/07

Excavating BCS EXCAVATING 315-841-3573 Deansboro • Servicing CNY. Bobcat and mini Member Since 03/06

excavator, Septic, Sewer,Trenching, Posthole Drilling, Demolition

Fireplaces & Stoves THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 CNY’s Source for Warmth! Fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. Also Member Since02/08

Central New York

TRU-LINE LANE & FLOOR 315-735-5299 High quality dust free floor refinishing. Genera-

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L i f e and H o m e s

mantles, custom stone work, custom hearths.

Free estimates.

Flooring tions of high tech methods, knowledge and hard working values provides a stress free experience.

Furniture IRONWOOD FURNITURE 315-853-7300 Serving CNY. Quality Amish Solid Wood Furniture

30

Member Since 05/10

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Modular Homes NEW HOMES MODULAR CO 315-891-3254 Serving CNY. “The Best Homes at the Best Prices.”

Member Since 06/07

We will not be undersold. “Stickbuilt Quality” Modular Homes.

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SMITH INSPECTION SERVICES, LLC Serving CNY and the Mohawk Valley. Pre-listing 315-363-8074

Member Since 05/10

tion of Kitchen Design Center & Custom Stair & Millwork.We handle Yorktowne & Kraftmaid Cabinetry

Log Homes

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COUNTRY SUBURBAN HEATING & AIR CONDITIONING 315-735-5300 Country Suburban will do “Whatever it

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KITCHEN DESIGN CENTER Serving CNY. Check out our winning combina315-724-7049

at Affordable Prices. See our great selection of Tables, Chairs, Hutches, Bookcases, Bedrooms, and much, much more. www.IronwoodCNY.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 .

& Buyer inspections, Septic Systems, Inspections & Dye Tests,Water Purity.The Only Local NYS DOH ELAP Certified Continuous Monitor Radon Testing Lab in Oneida County.

SHIRE INSPECTION SERVICES, INC Performing quality inspections at a reasonable 315-420-2832 Member Since 01/09

price, I pride myself in providing a comprehensive, independent evaluation of your home!

Insulation

Overhead Doors OVERHEAD DOOR CO. OF UTICA, INC 315-768-7886 Over 50 years combined door experience Member Since 05/10

Stone & Landscaping Products MADDEN CONCRETE & MASONRY SUPPLY 315-724-8111 Retaining Walls, Patios, Mulch & Stone, Fire Pits Member Since 03/08

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with fully trained service tech’s. We offer 24 hr emergency service 7 days a week.

Residential or commercial.

& Places, Masonry Tools, Decorative Stone. Call Today For All Your Landscaping Needs.

Insured. Energy Saving Benefits. Free Estimates

Swimming Pools

Insurance LIBERTY MUTUAL 315-732-6000 I’ve helped people save hundreds of dollars and I’d x53538 like to help you too. Multi Policy Discount • Special Member Since 09/10

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Kitchen & Baths EMPIRE BATH & KITCHEN, INC. 315-733-0408 Empire is a locally owned company featuring Member Since 04/08

a complete kitchen & bath showroom. Our cabinet lines include: Omega, Plain N’ Fancy and Armstrong. Let our design team help you with your next project.

TREEN’S POOLS 315-717-6499 Sales • Service • Repairs • Installation • Quality & Member Since 04/09

Dependable Service for 20 Years.

Waterproofing WILCOX BASEMENT SYSTEMS, INC 315-896-3979 Serving All of CNY. Basement & Crawlspace Member Since 03/07

Waterproof Solutions. Foundation Repair. www.wilcoxbasement.com

Laura Minard

4957 Commercial Drive Yorkville NY

768.1680 Ext. 205 525-1974 Cell

New Year New Home New Construction Buckland Estates from $269,900 3 Bed, 2 Bath Ranch $299,900 Under Construction Westmoreland 4 Bed, 2.5 Bath $209,900 affordable

PRICE CHANGE Deerfield $202,900 3 bed 2.5 bath 2 car. Perfect move in condition! Great home for the holidays with quick closing available. Check out this price!

3/4 bedroom 1 bath $44,900 Original, natural woodwork & hardwood floors. Well cared for family home. Monthly payment less than rent!

Colonial Square from $189,900 3 Bed, 2 Bath, 2 Car on full basement! Twin Home ready now! New Year in your New Home!

2 Bed, 2 Bath, 1 Car- Radiant Floor Heat - Twin Home!

3 Bed, 2 Bath, 2 Car Detached Home full of luxury features.

Must see if you want amazing!

Colonial Square Nearly Complete!

Buckland Estates Colonial Square

Colonial Square Newest Model Open!

Under Construction!

Colonial Square Single Family!

For more information on these and other homes in the area go to www.LauraMinard.com or email lauraminard@cbpp.com

Serving the Mohawk Valley Since 1976

732-3113 2617 Genesee Street

Utica, NY 13501 www.century21.com

Mulholland Rd • Vienna • $349,999

Maxwell Rd • Kirkland • $350,000

MLS 1001246 - 613 N Madison Street, Rome $129,900 MLS: 1003088 - 454 Tamarack Street, North Utica $124,900 MLS 1003494 - 9614 Morgan Road, Clayville $108,900

Round Barn Rd • Holland Patent • $109,500

2007 Manufactured home is 28x68 and features 3 bedrooms, 2 baths, wood burning fireplace and is on 6.33 acres in a nice country setting. Holland Patent school district and convenient to Utica, Rome or Marcy!

MLS: 1003555

MlS: 1003309 - 38 Cove Road, Lee MLS 1000722 - 5645 Ottman $19,900 Road, Vernon $155,000 MLS: 200701540 - Paris Road, New 1MLS 910952- 5302 Brown Road, Hartford $79,900 Verona $495,000 MLS 200702937 - Ives Road, Marcy 1MLS 1002673 - 1315 Oswego $25,000 Street, West Utica $44,900

Briarcliff Ave • North Utica • $99,900 Ranch home in extra nice condition!

Updated kitchen and bathroom, three bedrooms, one bath,expanded living area, eat in kitchen,maintenence free exterior, storage shed and manicured yard! Utica school district.

MLS: 1003179

MLS: 1003611 - Doyle Road, Deerfield $30,000 MLS: 1003126 - Doyle Road, Brookfield $19,500 MLS: 1003692 - McGraw Road, Schuyler $160,000

www.Life and Homes .com

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MLS: 200801201 - 825 Albro Road - Hamilton $189,500 MLS 1002567 - 3300 Route 20 & 46, Bouckville $167,500 MLS: 1002415 - 521 Doe Road, Bridgewater $189,500

Crooked Brook Rd • Deerfield • $289,900

This home features a geo thermal forced air heating system with central air. Kitchen with island, oak cabinets, silestone counters & ge appliances. Stone fireplace burns wood, jacuzzi in master bath. Attached 3 car garage, chain link fenced yard on 11.6 Acres in Whitesboro school district MLS: 1000366

Broker/Owner

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Owner’s been here over 60 years, house needs cosmetic updating 38x40 post & beam barn built 1840 40x80 steel barn mature yard quiet rural setting 100+ acres tillable some heavy woodlots open meadows views spectacular property is suited to subdivide large parcels for upscale homes in country setting MLS: 1002395

Art VanVechten

January

New construction 2006. Quality workmanship and tastefully done. Oak kitchen, Amana appliances, cathedral foyer, 16x20 deck and 24x30 heated a/c garage with 9 doors. Large seeded lawn area and comfortable set back from street for privacy. Convenient to Utica/ Rome, Syracuse Oneida Lake.

MLS: 200702688

Jon Purdy Bill Gamett Dick Nikodem Mary Taylor Kathy Maine Tiffany Accattato

Laura Minard

Licensed Real Estate Salesperson

Twin Home Prices from $189,900

315-768-1680 Ext 205 OfďŹ ce 315-525-1974 Cell Lauraminard@cbpp.com

www.ColonialSquareTwinHomes.com

$299,900

Come to an

Open Ho use Call L aura for S howing

Buckland Estates

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.

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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#42170

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

Marcy

NEW CONSTRUCTION

$319,900

North Utica

NEW CONSTRUCTION

$219,900

315.736.0865

stevebuck@buckconstruction.net